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Quarterly Financial Indicators

GBTI is pleased to offer its customers and the public, information on the financial performance of the Bank, through a series of Financial Indicators. This page will be updated soon after the end of every financial quarter and is a part of our objective of providing adequate public disclosure on our financial operations.

 
  2016
 
  Q1 2016 Q2 2016 Q3 2016 Q4 2016
1.0 Capital Adequacy      
1.1 QualifyingCapital /Risk -weighted assets 23.97 26.72 28.28 25.76
1.2 Tier 1 Capital/ Risk weighted assets 23.12 23.12 23.12 23.12
1.3 Tier 11 Capital/ risk-weighted assets 0.31 0.35 1.22 0.09
1.4 Capital & Reserves/Total assets 13.55 12.99 13.19 14.11
2.0 Lending to connected parties¹      
2.1 Related party loans/Gross loans 6.81 4.33 5.63 5.35
2.2 Related party loans/capital base 30.13 17.79 22.53 22.13
2.3 Director exposure/related party loans 9.03 9.05 0.54 0.58
3.0 Assets Composition
     
3.1 Business enterprise/Gross loans 68.99 64.58 68.05 67.28
3.2 Agriculture/Gross loans 7.94 8.02 7.96 6.53
3.3 Mining and Quarrying / Gross loans
4.10 3.64 2.35 2.49
3.4 Manufacturing/Gross loans 24.15 19.75 23.15 20.27
3.5 Services / Gross loans 32.79 33.17 34.59 37.99
3.6 Households / Gross loans 6.87 10.00 7.15 9.39
3.7 Top 20 borrowers /Total exposure 33.98 34.57 35.41 34.33 
3.8 Top 20 borrowers exposure / capital base 234.92 222.65 218.34 214.84
4.0 Assets Quality      
4.1 Non performing loans / Gross loans 25.57 25.51 30.42 24.01 
4.2 Non performing loans / Gross assets 12.30 12.20 13.42 11.60 
4.3 Non performing net of reserve for Loans losses / capital and reserves 70.72 67.81 75.63 56.11 
4.4 Non- performing loans / capital reserves 93.52 97.52 105.77 85.61 
4.5 Reserves for loan losses / non performing loans 24.38 30.46 28.50 34.46 
4.6 Total on-balance sheet assets / capital and reserves 760.53 799.54 788.12 738.12 
4.7 Gross loans/ Deposits 59.07 58.44 54.47 61.94 
4.8 Gross loans / Gross assets 48.09 47.81 44.12 48.31 
4.9 Risk weighted assets / (on plus off balance sheet assets) 44.92 43.20 39.99 44.29 
4.10 Contingent liabilities / Gross assets 2.08 2.08 1.79 2.55
4.11 Large exposure / capital base 225.85 199.07 190.26 196.70
4.12 Reserves for loan losses / Gross Loans 6.23 7.77 8.67 8.27
5.0 Earnings and profitability      
5.1 Returns on assets 0.38 0.53 0.48 0.60 
5.2 Returns on equity 2.78 3.98 3.67 4.43 
5.3 Net interest income / operating income 70.95 71.09 72.31 72.56 
5.4 Non interest income / operating income 15.21 15.17 16.85 16.66 
5.5 Operating expenses / operating income 71.35 59.81 65.63 63.99 
5.6 Foreign exchange gain / operating income 7.73 6.75 9.47 10.31 
5.7 Interest expense / interest income 16.32 16.19 15.84 12.93 
5.8 Non- interest income / operating expenses 21.31 25.36 25.68 26.03 
5.9 Personnel expenses / operating expenses 30.77 33.76 31.12 23.84 
5.10 Earning assets / average total assets 79.33 78.84 73.82 74.95 
5.11 Non-Interest expenses / Operating Income 57.51 46.07 46.07 53.21 
5.12 Personnel expenses / non interest expenses 38.17 43.83 44.33 28.66 
5.13 Net operating income / average total assets 0.47 0.69 0.58 0.73 
5.14 Operating expenses / average total assets 1.17 1.03 1.11 1.29 
5.15 Operating expenses / Operating Income 71.35 59.81 65.63 63.99 
5.16 Interest rate spread (Prime lending rate - Small savingsrate) 8.55 8.55 8.55 5.29 
Liquidity      
6.1 Interest expenses / average earning assets 0.29 0.30 0.30 0.29 
6.2 Net interest income / average earning assets 1.48 1.56 1.62 1.95 
6.3 Liquid assets / Gross assets 20.31 25.55 24.94 24.40
6.4 Liquid assets / total demand and time liabilities 25.23 31.78 31.12 30.66
6.5 Deposits /Gross loans 169.30 171.11 183.59 161.45
6.6 Deposits / Earning assets 111.46 112.13 122.26 110.58
6.7 Deposits / Gross assets 81.42 81.80 81.00 77.99
  2015
 
  Q1 2015 Q2 2015 Q3 2015 Q4 2015
1.0 Capital Adequacy      
1.1 QualifyingCapital /Risk -weighted assets 25.00 24.22 24.16 21.92
1.2 Tier 1 Capital/ Risk weighted assets 17.92 23.12 23.12 23.12
1.3 Tier 11 Capital/ risk-weighted assets 0.39 1.04 1.04 0.25
1.4 Capital & Reserves/Total assets 12.85 13.07 13.03 13.64
2.0 Lending to connected parties¹      
2.1 Related party loans/Gross loans 5.58 5.20 5.62 7.83
2.2 Related party loans/capital base 21.69 21.64 24.67 36.98
2.3 Director exposure/related party loans 11.46 11.68 11.06 7.33
3.0 Assets Composition
     
3.1 Business enterprise/Gross loans 72.78 72.52 71.35 70.12
3.2 Agriculture/Gross loans 7.13 10.01 7.64 7.32
3.3 Mining and Quarrying / Gross loans
4.55 4.50 4.28 3.75
3.4 Manufacturing/Gross loans 26.12 23.64 23.75 22.60
3.5 Services / Gross loans 34.98 34.37 35.69 36.44
3.6 Households / Gross loans 4.31 4.70 5.54 7.20
3.7 Top 20 borrowers /Total exposure 36.43 37.26 35.69 34.31
3.8 Top 20 borrowers exposure / capital base 214.96 223.11 236.58 230.73
4.0 Assets Quality      
4.1 Non performing loans / Gross loans 16.62 16.34 22.48 24.31
4.2 Non performing loans / Gross assets 7.80 7.69 10.68 12.88
4.3 Non performing net of reserve for Loans losses / capital and reserves 41.41 38.92 63.67 73.54
4.4 Non- performing loans / capital reserves 62.30 60.45 84.16 97.58
4.5 Reserves for loan losses / non performing loans 33.41 35.61 24.34 24.63
4.6 Total on-balance sheet assets / capital and reserves 798.90 786.46 787.95 757.38
4.7 Gross loans/ Deposits 57.63 56.78 57.30 66.85
4.8 Gross loans / Gross assets 46.91 47.05 47.50 53.00
4.9 Risk weighted assets / (on plus off balance sheet assets) 47.66 47.44 45.67 50.61
4.10 Contingent liabilities / Gross assets 2.66 2.65 2.34
4.11 Large exposure / capital base 198.04 200.84 227.59 253.03
4.12 Reserves for loan losses / Gross Loans 5.55 5.82 5.47 5.99
5.0 Earnings and profitability      
5.1 Returns on assets 0.44 0.67 0.51 0.51
5.2 Returns on equity 3.44 5.15 3.91 3.82
5.3 Net interest income / operating income 71.55 69.11 64.08 66.39
5.4 Non interest income / operating income 14.77 18.74 22.79 21.13
5.5 Operating expenses / operating income 62.70 51.06 59.61 67.51
5.6 Foreign exchange gain / operating income 8.45 12.74 15.95 14.05
5.7 Interest expense / interest income 16.06 14.95 17.01 15.82
5.8 Non- interest income / operating expenses 23.55 36.71 38.23 31.29
5.9 Personnel expenses / operating expenses 36.28 34.78 34.79 25.78
5.10 Earning assets / average total assets 72.54 70.09 73.54 76.77
5.11 Non-Interest expenses / Operating Income 49.01 38.91 46.48 55.03
5.12 Personnel expenses / non interest expenses 46.41 45.65 44.63 31.62
5.13 Net operating income / average total assets 0.58 0.97 0.70 0.63
5.14 Operating expenses / average total assets 0.98 1.01 1.03 1.32
5.15 Operating expenses / Operating Income 62.70 51.06 59.61 67.51
5.16 Interest rate spread (Prime lending rate - Small savingsrate) 8.55 8.55 8.55 8.55
Liquidity      
6.1 Interest expenses / average earning assets 0.29 0.34 0.32 0.32
6.2 Net interest income / average earning assets 1.51 1.93 1.57 1.72
6.3 Liquid assets / Gross assets 24.29 30.93 25.26
6.4 Liquid assets / total demand and time liabilities 30.41 37.00 30.92 24.04
6.5 Deposits /Gross loans 173.51 176.11 174.53 149.58
6.6 Deposits / Earning assets 118.81 127.33 120.90 108.07
6.7 Deposits / Gross assets 81.40 82.87 82.91 79.28
  2014
 
  Q1 2014 Ended 31 Mar Q2 2014 Ended 30 Jun  
1.0 Capital Adequacy      
1.1 QualifyingCapital /Risk -weighted assets 17.87 21.63  
1.2 Tier 1 Capital/ Risk weighted assets 17.63 17.63  
1.3 Tier 11 Capital/ risk-weighted assets 0.24 0.32  
1.4 Capital & Reserves/Total assets 12.07 12.21  
2.0 Lending to connected parties¹      
2.1 Related party loans/Gross loans 2.80 4.55  
2.2 Related party loans/capital base 15.23 20.23  
2.3 Director exposure/related party loans 19.46 12.46  
3.0 Assets Composition
     
3.1 Business enterprise/Gross loans 73.04 74.88  
3.2 Agriculture/Gross loans 9.43 10.44  
3.3 Mining and Quarrying / Gross loans
5.27 5.20  
3.4 Manufacturing/Gross loans 26.95 24.94  
3.5 Services / Gross loans 35.07 34.30  
3.6 Households / Gross loans 4.75 4.89  
3.7 Top 20 borrowers /Total exposure 36.72 36.28  
3.8 Top 20 borrowers exposure / capital base 304.46 241.94  
4.0 Assets Quality      
4.1 Non performing loans / Gross loans 6.00 8.46  
4.2 Non performing loans / Gross assets 3.02 4.03  
4.3 Non performing net of reserve for Loans losses / capital and reserves (1.16) 10.74  
4.4 Non- performing loans / capital reserves 25.87 33.95  
4.5 Reserves for loan losses / non performing loans 104.48 68.35  
4.6 Total on-balance sheet assets / capital and reserves 855.36 841.90  
4.7 Gross loans/ Deposits 60.14 56.82  
4.8 Gross loans / Gross assets 50.44 47.66  
4.9 Risk weighted assets / (on plus off balance sheet assets) 51.10 49.18  
4.10 Contingent liabilities / Gross assets 2.61 2.19  
4.11 Large exposure / capital base 311.02 237.39  
4.12 Reserves for loan losses / Gross Loans 6.26 5.78  
5.0 Earnings and profitability      
5.1 Returns on assets 0.63 0.60  
5.2 Returns on equity 5.60 4.90  
5.3 Net interest income / operating income 51.05 72.38  
5.4 Non interest income / operating income 20.06 14.68  
5.5 Operating expenses / operating income 51.21 54.03  
5.6 Foreign exchange gain / operating income 13.17 7.54  
5.7 Interest expense / interest income 21.26 15.16  
5.8 Non- interest income / operating expenses 39.18 27.18  
5.9 Personnel expenses / operating expenses 34.82 35.83  
5.10 Earning assets / average total assets 73.06 74.41  
5.11 Non-Interest expenses / Operating Income 37.43 41.09  
5.12 Personnel expenses / non interest expenses 47.65 47.11  
5.13 Net operating income / average total assets 0.91 0.85  
5.14 Operating expenses / average total assets 0.96 1.00  
5.15 Operating expenses / Operating Income 51.21 54.03  
5.16 Interest rate spread (Prime lending rate - Small savingsrate) 8.40 8.40  
Liquidity      
6.1 Interest expenses / average earning assets 0.33 0.32  
6.2 Net interest income / average earning assets 1.24 1.79  
6.3 Liquid assets / Gross assets 22.94 29.83  
6.4 Liquid assets / total demand and time liabilities 27.35 35.41  
6.5 Deposits /Gross loans 166.28 175.98  
6.6 Deposits / Earning assets 113.00 120.90  
6.7 Deposits / Gross assets 83.87 83.88  
  2012 – 2013
 
  Q1 2012 Ended 31 Mar Q2 2012 Ended 30 Jun Q3 2012 Ended 30 Sep Q4 2012 Ended 31 Dec Q1 2013 Ended 31 Mar Q2 2013 Ended 30 Jun Q3 2013 Ended 30 Sep Q4 2013 Ended 31 Dec
1.0 Capital Adequacy                
1.1 QualifyingCapital /Risk -weighted assets 22.88 18.56 18.45 - 15.89 20.42 19.11 17.02
1.2 Tier 1 Capital/ Risk weighted assets 22.18 22.18 17.92   15.96 19.58 17.92 17.92
1.3 Tier 11 Capital/ risk-weighted assets 0.46 0.38 0.37   0.83 0.84 0.36 0.04
1.4 Capital & Reserves/Total assets 9.63 9.65 9.63   10.11 9.76 9.99 10.65
2.0 Lending to connected parties¹                
2.1 Related party loans/Gross loans 5.02 4.35 3.43   4.00 4.06 2.97 4.30
2.2 Related party loans/capital base 19.23 18.92 17.01   17.57 19.39 14.59 23.74
2.3 Director exposure/related party loans 4.57 5.29 6.88   8.47 8.39 13.73 10.13
3.0 Assets Composition
               
3.1 Business enterprise/Gross loans 77.15 76.59 73.68   78.42 78.20 78.15 77.10
3.2 Agriculture/Gross loans 7.10 9.19 7.08   7.66 7.95 7.86 9.81
3.3 Mining and Quarrying / Gross loans
5.34 4.78 6.55   5.39 6.24 5.81 5.03
3.4 Manufacturing/Gross loans 21.34 21.65 21.46   28.88 27.80 26.39 24.80
3.5 Services / Gross loans 43.36 40.98 38.59   36.48 36.21 38.08 37.46
3.6 Households / Gross loans 6.59 6.32 6.14   4.77 5.28 4.98 4.71
3.7 Top 20 borrowers /Total exposure 32.60 35.49 38.17   33.49 34.46 34.87 35.86
3.8 Top 20 borrowers exposure / capital base 257.89 293.84 326.37   272.93 304.34 309.15 327.08
4.0 Assets Quality                
4.1 Non performing loans / Gross loans 5.34 4.98 4.04   5.82 5.33 6.06 5.96
4.2 Non performing loans / Gross assets 1.87 1.87 1.66   2.37 2.14 2.15 2.75
4.3 Non performing net of reserve for Loans losses / capital and reserves (16.87) (14.82) (15.40)   (5.53) (6.66) (7.24) (2.44)
4.4 Non- performing loans / capital reserves 20.10 20.06 17.84   24.19 22.59 26.00 26.61
4.5 Reserves for loan losses / non performing loans 183.94 173.87 186.34   122.86 129.47 127.86 109.18
4.6 Total on-balance sheet assets / capital and reserves 1075.13 1070.73 1071.97   1018.47 1053.97 1034.53 968.39
4.7 Gross loans/ Deposits 41.01 44.10 48.11   48.55 46.69 48.75 56.28
4.8 Gross loans / Gross assets 35.01 37.62 41.18   40.79 40.21 41.45 46.10
4.9 Risk weighted assets / (on plus off balance sheet assets) 40.02 45.88 44.76   48.35 41.99 43.31 47.26
4.10 Contingent liabilities / Gross assets 1.62 3.47 2.37   2.81 2.10 3.68 3.40
4.11 Large exposure / capital base 236.67 275.19 305.58   276.26 294.59 301.25 312.53
4.12 Reserves for loan losses / Gross Loans 9.82 8.66 7.53   7.15 6.90 7.75 6.51
5.0 Earnings and profitability                
5.1 Returns on assets 0.44 0.56 0.95   0.52 0.60 0.57 0.66
5.2 Returns on equity 4.62 5.84 10.12   5.31 6.00 5.73 6.35
5.3 Net interest income / operating income 61.98 66.79 65.44   63.27 62.80 64.92 61.78
5.4 Non interest income / operating income 18.45 16.92 19.80   20.34 24.28 21.35 21.89
5.5 Operating expenses / operating income 57.59 52.64 48.92   52.48 49.44 50.24 49.27
5.6 Foreign exchange gain / operating income 9.91 8.58 11.04   11.76 14.68 9.85 13.35
5.7 Interest expense / interest income 23.99 19.61 18.41   20.57 17.06 17.46 20.91
5.8 Non- interest income / operating expenses 32.04 32.15 40.47   38.76 49.12 42.49 44.42
5.9 Personnel expenses / operating expenses 35.69 34.24 35.82   36.84 36.98 40.81 31.27
5.10 Earning assets / average total assets 77.61 77.90 77.52   78.20 78.86 77.83 77.50
5.11 Non-Interest expenses / Operating Income 38.03 36.35 34.15   36.10 36.53 36.51 32.94
5.12 Personnel expenses / non interest expenses 54.06 49.58 51.31   53.57 50.05 56.16 46.78
5.13 Net operating income / average total assets 0.62 0.81 0.95   0.75 0.88 0.83 0.97
5.14 Operating expenses / average total assets 0.84 0.90 0.91   0.83 0.87 0.84 0.94
5.15 Operating expenses / Operating Income 57.59 52.64 48.92   52.48 49.44 50.24 49.27
5.16 Interest rate spread (Prime lending rate - Small savingsrate) 8.00 8.00 8.25   8.40 8.40 8.40 8.40
Liquidity                
6.1 Interest expenses / average earning assets 0.37 0.36 0.36   0.35 0.29 0.30 0.40
6.2 Net interest income / average earning assets 1.17 1.48 1.60   1.35 1.42 1.40 1.52
6.3 Liquid assets / Gross assets 22.15 24.54 26.28   24.34 24.09 21.09 23.12
6.4 Liquid assets / total demand and time liabilities 25.92 28.40 31.71   29.47 33.62 24.64 27.30
6.5 Deposits /Gross loans 243.84 226.76 207.84   205.97 214.17 205.14 177.68
6.6 Deposits / Earning assets 120.77 125.08 124.70   115.27 119.30 119.46 112.51
6.7 Deposits / Gross assets 85.38 85.32 85.58   84.01 86.12 85.03 81.92
  2010 - 2011
 
  Q1 2010
Ended
31 Mar
Q2 2010
Ended
30 Jun
Q3 2010
Ended
30 Sep
Q4 2010
Ended
31 Dec
Q1 2011
Ended
31 Mar
Q2 2011
Ended
30 Jun
Q3 2011
Ended
30 Sep
Q4 2011
Ended
31 Dec
1.0 Capital Adequacy                
1.1 QualifyingCapital /Risk -weighted assets 24.15 24.71 25.64 20.55 25.12 23.57 22.18 20.91
1.2 Tier 1 Capital/ Risk weighted assets 24.19 24.70 23.74 19.03 23.71 22.25 20.67 19.50
1.3 Tier 11 Capital/ risk-weighted assets (0.04) 0.01
1.90 1.52 1.41 132.28 1.24 1.17
1.4 Capital & Reserves/Total assets 10.35 10.16 10.27 10.02 9.63 10.65 10.51 9.79
2.0 Lending to connected parties¹                
2.1 Related party loans/Gross loans 10.73 10.69 10.41 10.17 9.78 9.34 6.53 4.92
2.2 Related party loans/capital base 36.38 35.53 37.89 41.98 35.07 34.55 26.22 21.13
2.3 Director exposure/related party loans 2.23 1.67 2.06 1.96 2.16 2.06 5.69 4.32
3.0 Assets Composition
               
3.1 Business enterprise/Gross loans 79.85 79.25 79.56 75.06 75.94 73.83 75.75 74.86
3.2 Agriculture/Gross loans 5.76 5.28 5.08 4.28 5.24 5.02 5.50 6.44
3.3 Mining and Quarrying / Gross loans
4.64 4.15 7.56 6.51 6.24 6.62 5.43 4.81
3.4 Manufacturing/Gross loans 30.28 27.30 23.71 22.98 22.85 20.94 21.56 19.60
3.5 Services / Gross loans 39.17 41.52 42.21 41.29 41.61 41.26 43.26 44.01
3.6 Households / Gross loans 6.99 6.56 6.56 7.65 6.76 7.17 6.54 6.75
3.7 Top 20 borrowers /Total exposure 29.24 32.69 29.78 31.68 34.75 38.16 37.06 31.44
3.8 Top 20 borrowers exposure / capital base 266.14 273.94 267.99 292.79 274.19 305.54 305.60 271.94
4.0 Assets Quality                
4.1 Non performing loans / Gross loans 6.78 5.98 4.48 7.82 5.47 5.80 5.03 5.39
4.2 Non performing loans / Gross assets 1.83 1.75 1.38 2.57 1.72 1.99 1.79 1.82
4.3 Non performing net of reserve for Loans losses / capital and reserves (22.84) (26.33) (28.99) (15.39) (22.33) (20.00) (20.79) (17.59)
4.4 Non- performing loans / capital reserves 18.39 17.96 14.04 26.75 18.60 19.43 17.68 19.24
4.5 Reserves for loan losses / non performing loans 224.20 246.65 306.48 157.52 220.06 202.96 217.56 191.40
4.6 Total on-balance sheet assets / capital and reserves 1007.39 1028.33 1016.89 1040.37 1079.74 978.00 989.59 1058.06
4.7 Gross loans/ Deposits 32.74 35.55 37.49 40.38 37.28 40.21 41.65 39.47
4.8 Gross loans / Gross assets 26.92 29.21 30.84 32.88 31.48 34.26 35.55 33.75
4.9 Risk weighted assets / (on plus off balance sheet assets) 32.16 34.20 34.71 40.83 36.03 39.73 40.79 39.04
4.10 Contingent liabilities / Gross assets 1.68 3.66 2.42 2.20 2.43 4.48 3.33 1.65
4.11 Large exposure / capital base 108.44 103.42 225.45 262.63 243.36 259.71 280.71 279.86
4.12 Reserves for loan losses / Gross Loans 15.20 14.75 13.72 12.32 12.04 11.77 10.93 10.31
5.0 Earnings and profitability                
5.1 Returns on assets 0.76 0.50 0.70 0.39 0.57 0.45 0.54 0.53
5.2 Returns on equity 7.38 4.90 6.88 3.82 5.82 4.49 5.14 5.23
5.3 Net interest income / operating income 48.50 53.82 59.96 57.29 56.75 61.48 60.24 62.36
5.4 Non interest income / operating income 27.65 21.65 18.93 18.72 18.55 18.07 19.53 19.30
5.5 Operating expenses / operating income 59.95 60.41 60.19 67.77 49.48 61.04 59.78 56.56
5.6 Foreign exchange gain / operating income 19.86 14.30 13.28 11.44 11.46 10.78 11.39 11.92
5.7 Interest expense / interest income 32.97 31.30 26.04 29.52 30.32 24.93 25.14 22.70
5.8 Non- interest income / operating expenses 46.12 35.84 31.44 27.63 37.50 29.60 32.66 34.12
5.9 Personnel expenses / operating expenses 26.01 27.49 24.56 26.04 37.48 31.68 31.31 30.87
5.10 Earning assets / average total assets 74.96 73.68 78.51 76.79 69.23 75.26 80.50 82.24
5.11 Non-Interest expenses / Operating Income 36.10 35.89 39.08 43.77 24.78 40.62 39.54 38.24
5.12 Personnel expenses / non interest expenses 43.19 46.28 37.81 40.32 74.82 47.61 47.32 45.65
5.13 Net operating income / average total assets 0.76 0.72 0.85 0.59 0.85 0.66 0.73 0.75
5.14 Operating expenses / average total assets 1.14 1.10 1.29 1.24 0.83 1.04 1.09 0.97
5.15 Operating expenses / Operating Income 59.95 60.41 60.19 67.77 49.48 61.04 59.78 56.56
5.16 Interest rate spread (Prime lending rate - Small savingsrate) 13.50 13.00 13.00 13.00 13.90 7.75 7.75 8.00
Liquidity                
6.1 Interest expenses / average earning assets 0.62 0.61 0.60 0.58 0.59 0.46 0.47 0.40
6.2 Net interest income / average earning assets 1.26 1.33 1.71 1.39 1.35 1.40 1.40 1.38
6.3 Liquid assets / Gross assets 32.31 33.08 22.07 24.48 27.76 29.80 24.79 26.38
6.4 Liquid assets / total demand and time liabilities 41.52 42.45 26.87 29.52 32.82 33.37 29.05 30.50
6.5 Deposits /Gross loans 305.46 281.31 266.73 247.65 268.26 248.70 240.10 253.39
6.6 Deposits / Earning assets 116.46 117.37 111.48 113.98 130.84 122.23 122.54 128.97
6.7 Deposits / Gross assets 82.24 82.16 82.26 81.42 84.45 85.20 85.36 85.52
 

¹ Related parties include Directors, Senior Officers and shareholders with 20 percent or more shares.


High & Young Streets, Kingston, Georgetown, Guyana, South America tel.+592 231 4400-8 . fax. +592 231-4411 . SWIFT: GUTIGYGE
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