Guyana Bank for Trade & Industry Ltd. (GBTI)

Financial Indicators
The Guyana Bank for Trade and Industry Limited is pleased to offer to its customers and the public, information on the financial performance of the Bank, through a series of Financial Indicators.

These will be updated on a Quarterly basis and is a part of our objective of providing adequate public disclosure on our financial operations.

Q1
Ended 31.Mar Q2
Ended
30.Jun Q3
Ended
30.Sept Q4
Ended 31.Dec.

1.0 Capital Adequacy

1.1 QualifyingCapital /Risk -weighted assets 20.16 21.36 20.10

1.2 Tier 1 Capital/ Risk weighted assets 20.19 21.39 21.13

1.3 Tier 11 Capital/ risk-weighted assets (0.03)
(0.03) (0.03)

1.4 Capital & Reserves/Total assets 9.76 10.02 10.20

2.0 Lending to connected parties¹

2.1 Related party loans/Grossl loans 12.84 12.62 11.68

2.2 Related party loans/capital base 39.75 37.77 38.56

2.3 Director exposure/related party loans 1.19 1.56 2.08

3.0 Assets Composition

3.1 Business enterprise/Gross loans 83.3 81.96 81.85

3.2 Agriculture/Gross loans 6.27 6.27 5.80

3.3 Mining and Quarrying / Gross loans
5.99 5.72 4.97

3.4 Manufacturing/Gross loans 34.17 32.90 30.47

3.5 Services / Gross loans 36.94 37.06 40.61

3.6 Households / Gross loans 12.68 13.57 6.10

3.7 Top 20 borrowers /Total exposure 30.97 26.60 32.35

3.8 Top 20 borrowers exposure / capital base 256.91 224.31 280.56

4.0 Assets Quality

4.1 Non performing loans / Gross loans 11.57 10.28 8.31

4.2 Non performing loans / Gross assets 3.00 2.60 2.25

4.3 Non performing net of reserve for Loans losses / capital and reserves (12.90) (17.71) (19.55)

4.4 Non- performing loans / capital reserves 32.09 27.10 23.01

4.5 Reserves for loan losses / non performing loans 140.21 165.37 184.98

4.6 Total on-balance sheet assets / capital and reserves 1069.74 1043.06 1023.37

4.7 Gross loans/ Deposits 31.62 30.97 33.35

4.8 Gross loans / Gross assets 25.94 25.28 27.04

4.9 Risk weighted assets / (on plus off balance sheet assets) 40.04 38.82 39.87

4.10 Contingent liabilities / Gross assets 3.64 1.72 2.08

4.11 Large exposure / capital base 102.55 98.02 99.40

4.12 Reserves for loan losses / Gross Loans 16.22 17.00 15.38

5.0 Earnings and profitability

5.1 Returns on assets 0.42 0.38 0.48

5.2 Returns on equity 4.27 4.02 4.94

5.3 Net interest income / operating income 49.07 51.44 51.85

5.4 Non interest income / operating income 27.15 22.68 21.98

5.5 Operating expenses / operating income 70.02 67.65 56.33

5.6 Foreign exchange gain / operating income 21.17 16.16 14.84

5.7 Interest expense / interest income 32.64 33.47 33.55

5.8 Non- interest income / operating expenses 38.78 33.53 39.01

5.9 Personnel expenses / operating expenses 22.92 25.03 25.64

5.10 Earning assets / average total assets 66.98 69.22 70.03

5.11 Non-Interest expenses / Operating Income 46.25 41.77 30.16

5.12 Personnel expenses / non interest expenses 34.70 40.54 47.91

5.13 Net operating income / average total assets 0.55 0.54 0.74

5.14 Operating expenses / average total assets 1.28 1.12 0.95

5.15 Operating expenses / Operating Income 70.02 67.65 56.33

5.16 Interest rate spread (Prime lending rate - Small savingsrate) 13.50 13.50 13.50

Liquidity

6.1 Interest expenses / average earning assets 0.66 0.63 0.64

6.2 Net interest income / average earning assets 1.36 1.26 1.26

6.3 Liquid assets / Gross assets 28.23 19.98 28.10

6.4 Liquid assets / total demand and time liabilities 34.32 25.95 34.19

6.5 Deposits /Gross loans 316.26 322.91 299.86

6.6 Deposits / Earning assets 124.55 117.43 117.56

6.7 Deposits / Gross assets 82.02 81.64 81.09

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

* Downloadable copy of Financial Indicators
* Downloadable copy of Financial Highlights