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 2010
Ended 31 Mar Q2
Ended
30 Jun Q3
Ended
30 Sept Q4
Ended 31 Dec Q1 2011 Ended 31 Mar Q2 2011 Ended 30 Jun

1.0 Capital Adequacy

1.1 QualifyingCapital /Risk -weighted assets 24.15 24.71 25.64 20.55 25.12 23.57

1.2 Tier 1 Capital/ Risk weighted assets 24.19 24.70 23.74 19.03 23.71 22.25

1.3 Tier 11 Capital/ risk-weighted assets (0.04) 0.01
1.90 1.52 1.41 132.28

1.4 Capital & Reserves/Total assets 10.35 10.16 10.27 10.02 9.63 10.65

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

2.2 Related party loans/capital base 36.38 35.53 37.89 41.98 35.07 34.55

2.3 Director exposure/related party loans 2.23 1.67 2.06 1.96 2.16 2.06

3.0 Assets Composition

3.1 Business enterprise/Gross loans 79.85 79.25 79.56 75.06 75.94 73.83

3.2 Agriculture/Gross loans 5.76 5.28 5.08 4.28 5.24 5.02

3.3 Mining and Quarrying / Gross loans
4.64 4.15 7.56 6.51 6.24 6.62

3.4 Manufacturing/Gross loans 30.28 27.30 23.71 22.98 22.85 20.94

3.5 Services / Gross loans 39.17 41.52 42.21 41.29 41.61 41.26

3.6 Households / Gross loans 6.99 6.56 6.56 7.65 6.76 7.17

3.7 Top 20 borrowers /Total exposure 29.24 32.69 29.78 31.68 34.75 38.16

3.8 Top 20 borrowers exposure / capital base 266.14 273.94 267.99 292.79 274.19 305.54

4.0 Assets Quality

4.1 Non performing loans / Gross loans 6.78 5.98 4.48 7.82 5.47 5.80

4.2 Non performing loans / Gross assets 1.83 1.75 1.38 2.57 1.72 1.99

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)

4.4 Non- performing loans / capital reserves 18.39 17.96 14.04 26.75 18.60 19.43

4.5 Reserves for loan losses / non performing loans 224.20 246.65 306.48 157.52 220.06 202.96

4.6 Total on-balance sheet assets / capital and reserves 1007.39 1028.33 1016.89 1040.37 1079.74 978.00

4.7 Gross loans/ Deposits 32.74 35.55 37.49 40.38 37.28 40.21

4.8 Gross loans / Gross assets 26.92 29.21 30.84 32.88 31.48 34.26

4.9 Risk weighted assets / (on plus off balance sheet assets) 32.16 34.20 34.71 40.83 36.03 39.73

4.10 Contingent liabilities / Gross assets 1.68 3.66 2.42 2.20 2.43 4.48

4.11 Large exposure / capital base 108.44 103.42 225.45 262.63 243.36 259.71

4.12 Reserves for loan losses / Gross Loans 15.20 14.75 13.72 12.32 12.04 11.77

5.0 Earnings and profitability

5.1 Returns on assets 0.76 0.50 0.70 0.39 0.57 0.45

5.2 Returns on equity 7.38 4.90 6.88 3.82 5.82 4.49

5.3 Net interest income / operating income 48.50 53.82 59.96 57.29 56.75 61.48

5.4 Non interest income / operating income 27.65 21.65 18.93 18.72 18.55 18.07

5.5 Operating expenses / operating income 59.95 60.41 60.19 67.77 49.48 61.04

5.6 Foreign exchange gain / operating income 19.86 14.30 13.28 11.44 11.46 10.78

5.7 Interest expense / interest income 32.97 31.30 26.04 29.52 30.32 24.93

5.8 Non- interest income / operating expenses 46.12 35.84 31.44 27.63 37.50 29.60

5.9 Personnel expenses / operating expenses 26.01 27.49 24.56 26.04 37.48 31.68

5.10 Earning assets / average total assets 74.96 73.68 78.51 76.79 69.23 75.26

5.11 Non-Interest expenses / Operating Income 36.10 35.89 39.08 43.77 24.78 40.62

5.12 Personnel expenses / non interest expenses 43.19 46.28 37.81 40.32 74.82 47.61

5.13 Net operating income / average total assets 0.76 0.72 0.85 0.59 0.85 0.66

5.14 Operating expenses / average total assets 1.14 1.10 1.29 1.24 0.83 1.04

5.15 Operating expenses / Operating Income 59.95 60.41 60.19 67.77 49.48 61.04

5.16 Interest rate spread (Prime lending rate - Small savingsrate) 13.50 13.00 13.00 13.00 13.90 7.75

Liquidity

6.1 Interest expenses / average earning assets 0.62 0.61 0.60 0.58 0.59 0.46

6.2 Net interest income / average earning assets 1.26 1.33 1.71 1.39 1.35 1.40

6.3 Liquid assets / Gross assets 32.31 33.08 22.07 24.48 27.76 29.80

6.4 Liquid assets / total demand and time liabilities 41.52 42.45 26.87 29.52 32.82 33.37

6.5 Deposits /Gross loans 305.46 281.31 266.73 247.65 268.26 248.70

6.6 Deposits / Earning assets 116.46 117.37 111.48 113.98 130.84 122.23

6.7 Deposits / Gross assets 82.24 82.16 82.26 81.42 84.45 85.20

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

* Downloadable copy of Financial Indicators (Legal-size paper)
* Downloadable copy of Financial Highlights