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.
Quarterly Financial Indicators
Qrt 1 | Qrt 2 | Qrt 3 | Qrt 4 | ||
---|---|---|---|---|---|
1.0 | Capital Adequacy | ||||
1.1 | QualifyingCapital /Risk -weighted assets | 16.36 | |||
1.2 | Tier 1 Capital/ Risk weighted assets | 16.32 | |||
1.3 | Tier 11 Capital/ risk-weighted assets | 0.04 | |||
1.4 | Capital & Reserves/Total assets | 12.12 | |||
2.0 | Lending to connected parties ¹ | ||||
2.1 | Related party loans/Gross loans | 11.53 | |||
2.2 | Related party loans/capital base | 35.32 | |||
2.3 | Director exposure/related party loans | 10.51 | |||
3.0 | Assets Composition | ||||
3.1 | Business enterprise/Gross loans | 72.22 | |||
3.2 | Agriculture/Gross loans | 9.00 | |||
3.3 | Mining and Quarrying / Gross loans | 2.26 | |||
3.4 | Manufacturing/Gross loans | 19.48 | |||
3.5 | Services / Gross loans | 41.48 | |||
3.6 | Households / Gross loans | 10.90 | |||
3.7 | Top 20 borrowers /Total exposure | 28.65 | |||
3.8 | Top 20 borrowers exposure / capital base | 196.64 | |||
4.0 | Assets Quality | ||||
4.1 | Non performing loans / Gross loans | 17.40 | |||
4.2 | Non performing loans / Gross assets | 6.09 | |||
4.3 | Non performing net of reserve for Loans losses / capital and reserves | 26.70 | |||
4.4 | Non- performing loans / capital reserves | 51.79 | |||
4.5 | Reserves for loan losses / non performing loans | 48.45 | |||
4.6 | Total on-balance sheet assets / capital and reserves | 850.24 | |||
4.7 | Gross loans/ Deposits | 42.75 | |||
4.8 | Gross loans / Gross assets | 35.01 | |||
4.9 | Risk weighted assets / (on plus off balance sheet assets) | 69.11 | |||
4.10 | Contingent liabilities / Gross assets | 1.16 | |||
4.11 | Large exposure / capital base | 163.31 | |||
4.12 | Reserves for loan losses / Gross Loans | 8.43 | |||
5.0 | Earnings and profitability | ||||
5.1 | Returns on assets | 0.33 | |||
5.2 | Returns on equity | 2.71 | |||
5.3 | Net interest income / operating income | 61.78 | |||
5.4 | Non interest income / operating income | 30.19 | |||
5.5 | Operating expenses / operating income | 75.26 | |||
5.6 | Foreign exchange gain / operating income | 15.06 | |||
5.7 | Interest expense / interest income | 11.50 | |||
5.8 | Non- interest income / operating expenses | 40.11 | |||
5.9 | Personnel expenses / operating expenses | 28.61 | |||
5.10 | Earning assets / average total assets | 86.78 | |||
5.11 | Non-Interest expenses / Operating Income | 67.23 | |||
5.12 | Personnel expenses / non interest expenses | 32.03 | |||
5.13 | Net operating income / average total assets | 0.36 | |||
5.14 | Operating expenses / average total assets | 1.10 | |||
5.15 | Operating expenses / Operating Income | 78.41 | |||
5.16 | Interest rate spread (Effective lending rate – Small savingsrate) | 7.65 | |||
6.0 | Liquidity | ||||
6.1 | Interest expenses / average earning assets | 0.14 | |||
6.2 | Net interest income / average earning assets | 1.0 | |||
6.3 | Liquid assets / Gross assets | 22.00 | |||
6.4 | Liquid assets / total demand and time liabilities | 27.05 | |||
6.5 | Deposits /Gross loans | 233.90 | |||
6.6 | Deposits / Earning assets | 106.08 | |||
6.7 | Deposits / Gross assets | 81.89 | |||
¹ Related parties include directors, Senior Officers and shareholders with 20 percent or more shares. |
Qrt 1 | Qrt 2 | Qrt 3 | Qrt 4 | ||
---|---|---|---|---|---|
1.0 | Capital Adequacy | ||||
1.1 | QualifyingCapital /Risk -weighted assets | 27.90 | 29.76 | 28.00 | 28.07 |
1.2 | Tier 1 Capital/ Risk weighted assets | 27.67 | 29.45 | 27.71 | 28.00 |
1.3 | Tier 11 Capital/ risk-weighted assets | 0.25 | 0.31 | 0.29 | 0.08 |
1.4 | Capital & Reserves/Total assets | 12.97 | 12.53 | 12.50 | 12.06 |
2.0 | Lending to connected parties ¹ | ||||
2.1 | Related party loans/Gross loans | 8.19 | 9.87 | 11.45 | 9.98 |
2.2 | Related party loans/capital base | 24.68 | 28.56 | 36.40 | 32.75 |
2.3 | Director exposure/related party loans | 1.03 | 10.05 | 9.63 | 4.96 |
3.0 | Assets Composition | ||||
3.1 | Business enterprise/Gross loans | 71.66 | 72.60 | 73.90 | 73.87 |
3.2 | Agriculture/Gross loans | 8.76 | 8.69 | 9.24 | 9.38 |
3.3 | Mining and Quarrying / Gross loans | 2.86 | 2.72 | 2.58 | 2.43 |
3.4 | Manufacturing/Gross loans | 24.25 | 21.63 | 19.43 | 20.93 |
3.5 | Services / Gross loans | 35.80 | 39.56 | 42.64 | 41.12 |
3.6 | Households / Gross loans | 10.47 | 11.78 | 10.83 | 10.21 |
3.7 | Top 20 borrowers /Total exposure | 34.44 | 34.16 | 33.20 | 32.06 |
3.8 | Top 20 borrowers exposure / capital base | 195.85 | 204.80 | 216.53 | 216.53 |
4.0 | Assets Quality | ||||
4.1 | Non performing loans / Gross loans | 27.21 | 25.92 | 23.41 | 19.49 |
4.2 | Non performing loans / Gross assets | 9.36 | 8.75 | 8.44 | 7.15 |
4.3 | Non performing net of reserve for Loans losses / capital and reserves | 50.39 | 46.33 | 44.31 | 32.13 |
4.4 | Non- performing loans / capital reserves | 74.41 | 72.14 | 69.71 | 58.67 |
4.5 | Reserves for loan losses / non performing loans | 32.27 | 35.79 | 36.43 | 45.24 |
4.6 | Total on-balance sheet assets / capital and reserves | 794.91 | 824.07 | 825.47 | 820.42 |
4.7 | Gross loans/ Deposits | 41.96 | 41.16 | 44.27 | 45.25 |
4.8 | Gross loans / Gross assets | 34.40 | 33.78 | 36.07 | 36.69 |
4.9 | Risk weighted assets / (on plus off balance sheet assets) | 39.88 | 38.44 | 39.78 | 38.73 |
4.10 | Contingent liabilities / Gross assets | 3.24 | 3.07 | 2.79 | 2.06 |
4.11 | Large exposure / capital base | 157.95 | 157.82 | 169.10 | 172.64 |
4.12 | Reserves for loan losses / Gross Loans | 8.78 | 9.27 | 8.53 | 8.82 |
5.0 | Earnings and profitability | ||||
5.1 | Returns on assets | 0.20 | 0.27 | 0.34 | 0.37 |
5.2 | Returns on equity | 1.51 | 2.08 | 2.71 | 2.97 |
5.3 | Net interest income / operating income | 59.97 | 64.50 | 61.38 | 69.20 |
5.4 | Non interest income / operating income | 26.70 | 25.25 | 32.15 | 24.34 |
5.5 | Operating expenses / operating income | 78.41 | 70.97 | 61.67 | 67.77 |
5.6 | Foreign exchange gain / operating income | 12.09 | 10.33 | 14.04 | 11.75 |
5.7 | Interest expense / interest income | 18.18 | 13.70 | 9.54 | 8.54 |
5.8 | Non- interest income / operating expenses | 34.05 | 35.59 | 52.13 | 35.92 |
5.9 | Personnel expenses / operating expenses | 36.61 | 38.00 | 41.69 | 30.89 |
5.10 | Earning assets / average total assets | 67.97 | 74.59 | 78.85 | 81.02 |
5.11 | Non-Interest expenses / Operating Income | 65.09 | 60.72 | 55.20 | 61.30 |
5.12 | Personnel expenses / non interest expenses | 44.11 | 44.41 | 46.58 | 34.15 |
5.13 | Net operating income / average total assets | 0.24 | 0.36 | 0.48 | 0.52 |
5.14 | Operating expenses / average total assets | 0.87 | 0.87 | 0.77 | 1.09 |
5.15 | Operating expenses / Operating Income | 78.41 | 70.90 | 61.67 | |
5.16 | Interest rate spread (Effective lending rate – Small savingsrate) | 5.82 | 6.82 | 6.21 | 6.21 |
6.0 | Liquidity | ||||
6.1 | Interest expenses / average earning assets | 0.21 | 0.18 | 0.11 | 0.13 |
6.2 | Net interest income / average earning assets | 0.95 | 1.13 | 1.02 | 1.41 |
6.3 | Liquid assets / Gross assets | 29.33 | 30.91 | 23.61 | 23.31 |
6.4 | Liquid assets / total demand and time liabilities | 36.25 | 38.07 | 29.27 | 29.04 |
6.5 | Deposits /Gross loans | 238.30 | 242.98 | 225.89 | 220.97 |
6.6 | Deposits / Earning assets | 132.98 | 122.57 | 114.44 | 111.41 |
6.7 | Deposits / Gross assets | 81.97 | 82.08 | 81.47 | 81.08 |
¹ Related parties include directors, Senior Officers and shareholders with 20 percent or more shares. |
2020 | Qrt 1 | Qrt 2 | Qrt 3 | Qrt 4 | |
1.0 | Capital Adequacy | ||||
1.1 | QualifyingCapital /Risk -weighted assets | 31.62 | 32.26 | 31.65 | 30.95 |
1.2 | Tier 1 Capital/ Risk weighted assets | 31.31 | 31.98 | 31.40 | 30.69 |
1.3 | Tier 11 Capital/ risk-weighted assets | 0.31 | 0.28 | 0.25 | 0.25 |
1.4 | Capital & Reserves/Total assets | 14.02 | 13.94 | 13.56 | 13.20 |
2.0 | Lending to connected parties ¹ | ||||
2.1 | Related party loans/Gross loans | 7.68 | 8.71 | 8.21 | 8.05 |
2.2 | Related party loans/capital base | 22.85 | 24.67 | 23.30 | 23.62 |
2.3 | Director exposure/related party loans | 0.32 | 0.60 | 0.38 | 0.66 |
3.0 | Assets Composition | ||||
3.1 | Business enterprise/Gross loans | 68.71 | 69.90 | 67.17 | 67.70 |
3.2 | Agriculture/Gross loans | 7.53 | 8.00 | 10.00 | 11.73 |
3.3 | Mining and Quarrying / Gross loans | 2.93 | 2.67 | 2.81 | 2.91 |
3.4 | Manufacturing/Gross loans | 19.66 | 21.71 | 20.30 | 19.10 |
3.5 | Services / Gross loans | 38.59 | 37.53 | 34.06 | 33.95 |
3.6 | Households / Gross loans | 9.72 | 9.57 | 9.66 | 11.16 |
3.7 | Top 20 borrowers /Total exposure | 34.26 | 32.53 | 33.93 | 33.63 |
3.8 | Top 20 borrowers exposure / capital base | 201.06 | 176.60 | 191.45 | 191.56 |
4.0 | Assets Quality | ||||
4.1 | Non performing loans / Gross loans | 32.30 | 30.55 | 30.13 | 28.59 |
4.2 | Non performing loans / Gross assets | 11.71 | 11.30 | 10.67 | 9.88 |
4.3 | Non performing net of reserve for Loans losses / capital and reserves | 59.57 | 59.27 | 57.28 | 53.25 |
4.4 | Non- performing loans / capital reserves | 86.68 | 83.80 | 81.19 | 77.20 |
4.5 | Reserves for loan losses / non performing loans | 31.27 | 29.27 | 29.46 | 31.02 |
4.6 | Total on-balance sheet assets / capital and reserves | 740.29 | 741.67 | 761.19 | 781.42 |
4.7 | Gross loans/ Deposits | 44.90 | 45.62 | 43.44 | 42.45 |
4.8 | Gross loans / Gross assets | 36.25 | 36.99 | 35.40 | 34.55 |
4.9 | Risk weighted assets / (on plus off balance sheet assets) | 38.69 | 40.16 | 39.12 | 38.16 |
4.10 | Contingent liabilities / Gross assets | 0.46 | 1.62 | 1.36 | 0.47 |
4.11 | Large exposure / capital base | 144.92 | 135.19 | 138.25 | 140.94 |
4.12 | Reserves for loan losses / Gross Loans | 10.10 | 8.94 | 8.87 | 8.87 |
5.0 | Earnings and profitability | ||||
5.1 | Returns on assets | 0.17 | 0.28 | 0.29 | 0.38 |
5.2 | Returns on equity | 1.18 | 2.01 | 2.08 | 2.83 |
5.3 | Net interest income / operating income | 64.04 | 68.81 | 65.97 | 63.36 |
5.4 | Non interest income / operating income | 24.56 | 19.71 | 22.50 | 26.90 |
5.5 | Operating expenses / operating income | 86.22 | 73.80 | 70.46 | 63.43 |
5.6 | Foreign exchange gain / operating income | 12.34 | 8.46 | 9.69 | 13.31 |
5.7 | Interest expense / interest income | 15.12 | 14.30 | 14.89 | 13.32 |
5.8 | Non- interest income / operating expenses | 28.49 | 26.70 | 31.93 | 42.41 |
5.9 | Personnel expenses / operating expenses | 39.56 | 37.96 | 36.92 | 37.45 |
5.10 | Earning assets / average total assets | 78.57 | 76.69 | 76.48 | 73.24 |
5.11 | Non-Interest expenses / Operating Income | 74.81 | 62.31 | 58.92 | 53.70 |
5.12 | Personnel expenses / non interest expenses | 45.58 | 44.96 | 44.15 | 44.24 |
5.13 | Net operating income / average total assets | 0.17 | 0.32 | 0.35 | 0.49 |
5.14 | Operating expenses / average total assets | 1.06 | 0.90 | 0.83 | 0.85 |
5.15 | Operating expenses / Operating Income | 86.22 | 73.80 | 70.46 | 63.43 |
5.16 | Interest rate spread (Effective lending rate – Small savingsrate) | 6.52 | 5.27 | 5.48 | 5.73 |
6.0 | Liquidity | ||||
6.1 | Interest expenses / average earning assets | 0.18 | 0.18 | 0.18 | 0.18 |
6.2 | Net interest income / average earning assets | 1.00 | 1.10 | 1.03 | 1.16 |
6.3 | Liquid assets / Gross assets | 20.55 | 28.47 | 25.04 | 33.24 |
6.4 | Liquid assets / total demand and time liabilities | 25.84 | 35.61 | 31.16 | 41.23 |
6.5 | Deposits /Gross loans | 222.73 | 219.19 | 230.18 | 235.58 |
6.6 | Deposits / Earning assets | 113.63 | 116.96 | 118.10 | 122.16 |
6.7 | Deposits / Gross assets | 80.74 | 81.08 | 81.49 | 81.40 |
¹ Related parties include directors, Senior Officers and shareholders with 20 percent or more shares. |
2019 | Q1 2019 |
Q2 2019 |
Q3 2019 |
Q4 2019 |
1.0 Capital Adequacy | ||||
1.1 QualifyingCapital /Risk -weighted assets | 26.57 | 28.66 | 31.51 | 31.16 |
1.2 Tier 1 Capital/ Risk weighted assets | 28.64 | 28.37 | 31.21 | 30.85 |
1.3 Tier 11 Capital/ risk-weighted assets | (2.07) | 0.29 | 0.31 | 0.30 |
1.4 Capital & Reserves/Total assets | 13.58 | 13.82 | 13.92 | 14.14 |
2.0 Lending to connected parties | ||||
2.1 Related party loans/Gross loans | 7.54 | 8.35 | 7.22 | 7.06 |
2.2 Related party loans/capital base | 23.94 | 25.40 | 20.63 | 20.78 |
2.3 Director exposure/related party loans | 0.36 | 0.27 | 0.57 | 0.52 |
3.0 Assets Composition | ||||
3.1 Business enterprise/Gross loans | 66.66 | 66.68 | 66.12 | 68.58 |
3.2 Agriculture/Gross loans | 7.14 | 6.39 | 7.66 | 7.47 |
3.3 Mining and Quarrying / Gross loans | 4.40 | 5.36 | 5.45 | 2.93 |
3.4 Manufacturing/Gross loans | 18.74 | 20.59 | 17.01 | 20.99 |
3.5 Services / Gross loans | 36.38 | 34.34 | 36.00 | 37.19 |
3.6 Households / Gross loans | 10.12 | 10.32 | 9.13 | 9.59 |
3.7 Top 20 borrowers /Total exposure | 36.42 | 37.16 | 33.82 | 40.99 |
3.8 Top 20 borrowers exposure / capital base | 215.11 | 210.47 | 190.05 | 247.16 |
4.0 Assets Quality | ||||
4.1 Non performing loans / Gross loans | 29.55 | 30.72 | 33.26 | 31.21 |
4.2 Non performing loans / Gross assets | 11.89 | 12.03 | 12.03 | 11.40 |
4.3 Non performing net of reserve for Loans losses / capital and reserves | 60.86 | 61.40 | 61.18 | 56.09 |
4.4 Non- performing loans / capital reserves | 91.17 | 90.51 | 89.87 | 83.78 |
4.5 Reserves for loan losses / non performing loans | 33.24 | 32.17 | 31.92 | 33.05 |
4.6 Total on-balance sheet assets / capital and reserves | 766.75 | 752.63 | 747.19 | 734.92 |
4.7 Gross loans/ Deposits | 49.87 | 48.76 | 44.85 | 45.49 |
4.8 Gross loans / Gross assets | 40.23 | 39.14 | 36.16 | 36.53 |
4.9 Risk weighted assets / (on plus off balance sheet assets) | 42.83 | 43.64 | 39.53 | 39.32 |
4.10 Contingent liabilities / Gross assets | 3.25 | 3.78 | 2.45 | 2.26 |
4.11 Large exposure / capital base | 221.19 | 148.68 | 121.74 | 159.32 |
4.12 Reserves for loan losses / Gross Loans | 9.82 | 9.88 | 10.62 | 10.32 |
5.0 Earnings and profitability | ||||
5.1 Returns on assets | 0.30 | 0.16 | 0.32 | 0.49 |
5.2 Returns on equity | 2.19 | 1.17 | 2.34 | 3.52 |
5.3 Net interest income / operating income | 66.57 | 61.91 | 64.62 | 62.83 |
5.4 Non interest income / operating income | 20.52 | 24.11 | 23.19 | 27.06 |
5.5 Operating expenses / operating income | 73.32 | 88.53 | 72.76 | 62.33 |
5.6 Foreign exchange gain / operating income | 12.41 | 14.25 | 13.83 | 16.58 |
5.7 Interest expense / interest income | 16.25 | 18.42 | 15.88 | 13.87 |
5.8 Non- interest income / operating expenses | 27.98 | 27.24 | 31.87 | 43.41 |
5.9 Personnel expenses / operating expenses | 38.00 | 35.52 | 38.88 | 32.61 |
5.10 Earning assets / average total assets | 79.74 | 77.52 | 75.76 | 80.43 |
5.11 Non-Interest expenses / Operating Income | 60.40 | 74.55 | 60.56 | 52.22 |
5.12 Personnel expenses / non interest expenses | 46.13 | 42.18 | 46.71 | 38.93 |
5.13 Net operating income / average total assets | 0.37 | 0.14 | 0.38 | 0.60 |
5.14 Operating expenses / average total assets | 1.02 | 1.11 | 1.01 | 0.99 |
5.15 Operating expenses / Operating Income | 73.32 | 88.53 | 72.76 | 62.33 |
5.16 Interest rate spread (Effective lending rate – Small savingsrate) | 5.64 | 5.74 | 6.43 | 6.53 |
6.0 Liquidity | ||||
6.1 Interest expenses / average earning assets | 0.23 | 0.23 | 0.22 | 0.21 |
6.2 Net interest income / average earning assets | 1.17 | 1.00 | 1.19 | 1.28 |
6.3 Liquid assets / Gross assets | 19.54 | 27.29 | 21.73 | 28.93 |
6.4 Liquid assets / total demand and time liabilities | 24.72 | 34.60 | 27.40 | 36.46 |
6.5 Deposits /Gross loans | 200.50 | 205.07 | 222.98 | 219.81 |
6.6 Deposits / Earning assets | 112.60 | 116.19 | 117.46 | 110.55 |
6.7 Deposits / Gross assets | 80.67 | 80.27 | 80.64 | 80.29 |
¹ Related parties include Directors, Senior Officers and shareholders with 20 percent or more shares.
2018 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 |
1.0 Capital Adequacy | ||||
1.1 QualifyingCapital /Risk -weighted assets | 36.76 | 29.44 | 29.17 | 29.17 |
1.2 Tier 1 Capital/ Risk weighted assets | 36.80 | 31.15 | 31.33 | 26.70 |
1.3 Tier 11 Capital/ risk-weighted assets | (0.04) | (1.71) | (2.16) | (1.95) |
1.4 Capital & Reserves/Total assets | 14.77 | 13.80 | 13.79 | 13.55 |
2.0 Lending to connected parties¹ | ||||
2.1 Related party loans/Gross loans | 4.97 | 5.74 | 7.08 | 6.30 |
2.2 Related party loans/capital base | 14.85 | 18.71 | 22.69 | 20.41 |
2.3 Director exposure/related party loans | 0.71 | 0.55 | 0.43 | 0.45 |
3.0 Assets Composition | ||||
3.1 Business enterprise/Gross loans | 68.81 | 69.27 | 68.11 | 69.39 |
3.2 Agriculture/Gross loans | 5.34 | 6.65 | 6.00 | 6.92 |
3.3 Mining and Quarrying / Gross loans | 4.36 | 4.58 | 4.62 | 3.96 |
3.4 Manufacturing/Gross loans | 20.18 | 21.39 | 20.41 | 20.31 |
3.5 Services / Gross loans | 38.92 | 36.65 | 37.08 | 38.20 |
3.6 Households / Gross loans | 8.32 | 7.89 | 8.51 | 10.24 |
3.7 Top 20 borrowers /Total exposure | 34.00 | 36.99 | 37.04 | 38.37 |
3.8 Top 20 borrowers exposure / capital base | 171.23 | 210.82 | 211.06 | 223.09 |
4.0 Assets Quality | ||||
4.1 Non performing loans / Gross loans | 29.78 | 27.56 | 27.19 | 26.81 |
4.2 Non performing loans / Gross assets | 12.59 | 12.14 | 11.69 | 11.23 |
4.3 Non performing net of reserve for Loans losses / capital and reserves | (59.59) | (60.30) | (57.20) | (55.95) |
4.4 Non- performing loans / capital reserves | 88.97 | 91.73 | 88.41 | 86.30 |
4.5 Reserves for loan losses / non performing loans | 33.02 | 34.26 | 35.30 | 35.17 |
4.6 Total on-balance sheet assets / capital and reserves | 706.54 | 755.87 | 756.51 | 768.43 |
4.7 Gross loans/ Deposits | 53.21 | 54.96 | 53.54 | 53.47 |
4.8 Gross loans / Gross assets | 42.28 | 44.03 | 42.98 | 41.89 |
4.9 Risk weighted assets / (on plus off balance sheet assets) | 37.27 | 41.82 | 41.32 | 46.77 |
4.10 Contingent liabilities / Gross assets | 2.13 | 3.57 | 3.51 | 3.44 |
4.11 Large exposure / capital base | 127.31 | 141.99 | 148.19 | 178.90 |
4.12 Reserves for loan losses / Gross Loans | 9.83 | 9.44 | 9.60 | 9.43 |
5.0 Earnings and profitability | ||||
5.1 Returns on assets | 0.31 | 0.33 | 0.29 | 0.42 |
5.2 Returns on equity | 2.07 | 2.34 | 2.07 | 3.09 |
5.3 Net interest income / operating income | 72.71 | 63.99 | 66.56 | 59.87 |
5.4 Non interest income / operating income | 13.78 | 23.61 | 19.64 | 27.39 |
5.5 Operating expenses / operating income | 75.11 | 72.42 | 79.36 | 71.15 |
5.6 Foreign exchange gain / operating income | 5.77 | 16.00 | 11.14 | 18.45 |
5.7 Interest expense / interest income | 15.67 | 16.22 | 17.18 | 17.55 |
5.8 Non- interest income / operating expenses | 18.34 | 32.61 | 24.74 | 38.49 |
5.9 Personnel expenses / operating expenses | 36.81 | 38.97 | 35.70 | 28.77 |
5.10 Earning assets / average total assets | 77.59 | 81.36 | 80.70 | 79.54 |
5.11 Non-Interest expenses / Operating Income | 61.59 | 60.03 | 65.56 | 58.40 |
5.12 Personnel expenses / non interest expenses | 44.88 | 47.01 | 43.22 | 35.05 |
5.13 Net operating income / average total assets | 0.35 | 0.41 | 0.29 | 0.42 |
5.14 Operating expenses / average total assets | 1.05 | 1.06 | 1.10 | 1.04 |
5.15 Operating expenses / Operating Income | 75.11 | 72.42 | 79.36 | 71.15 |
5.16 Interest rate spread (Prime lending rate – Small savingsrate) | 5.64 | 5.64 | 5.64 | 5.64 |
6.0 Liquidity | ||||
6.1 Interest expenses / average earning assets | 0.25 | 0.23 | 0.24 | 0.23 |
6.2 Net interest income / average earning assets | 1.32 | 1.20 | 1.14 | 1.10 |
6.3 Liquid assets / Gross assets | 23.21 | 21.75 | 18.49 | 28.31 |
6.4 Liquid assets / total demand and time liabilities | 29.85 | 27.66 | 23.59 | 35.79 |
6.5 Deposits /Gross loans | 187.93 | 181.94 | 186.79 | 187.02 |
6.6 Deposits / Earning assets | 114.98 | 109.15 | 110.07 | 109.19 |
6.7 Deposits / Gross assets | 79.46 | 80.12 | 80.29 | 78.34 |
¹ Related parties include Directors, Senior Officers and shareholders with 20 percent or more shares.
2017 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 |
1.0 Capital Adequacy | ||||
1.1 QualifyingCapital /Risk -weighted assets | 33.52 | 33.63 | 33.08 | 29.95 |
1.2 Tier 1 Capital/ Risk weighted assets | 33.88 | 33.50 | 32.63 | 29.84 |
1.3 Tier 11 Capital/ risk-weighted assets | (0.36) | 0.13 | 0.45 | 0.12 |
1.4 Capital & Reserves/Total assets | 14.71 | 14.88 | 15.44 | 15.08 |
2.0 Lending to connected parties¹ | ||||
2.1 Related party loans/Gross loans | 3.31 | 5.43 | 5.74 | 5.39 |
2.2 Related party loans/capital base | 10.58 | 17.42 | 19.53 | 19.73 |
2.3 Director exposure/related party loans | 1.21 | 0.80 | 0.71 | 0.64 |
3.0 Assets Composition | ||||
3.1 Business enterprise/Gross loans | 66.93 | 68.15 | 67.48 | 68.05 |
3.2 Agriculture/Gross loans | 6.32 | 6.03 | 6.02 | 5.01 |
3.3 Mining and Quarrying / Gross loans | 2.00 | 2.61 | 3.68 | 4.46 |
3.4 Manufacturing/Gross loans | 20.59 | 21.47 | 21.04 | 18.22 |
3.5 Services / Gross loans | 38.03 | 38.04 | 36.74 | 40.35 |
3.6 Households / Gross loans | 9.95 | 9.85 | 9.12 | 10.82 |
3.7 Top 20 borrowers /Total exposure | 33.92 | 34.54 | 34.87 | 38.70 |
3.8 Top 20 borrowers exposure / capital base | 171.22 | 177.92 | 196.73 | 220.43 |
4.0 Assets Quality | ||||
4.1 Non performing loans / Gross loans | 23.55 | 26.73 | 28.92 | 24.33 |
4.2 Non performing loans / Gross assets | 10.61 | 11.93 | 13.52 | 11.57 |
4.3 Non performing net of reserve for Loans losses / capital and reserves | 51.21 | 60.09 | 62.31 | 50.84 |
4.4 Non- performing loans / capital reserves | 74.60 | 82.88 | 91.53 | 80.11 |
4.5 Reserves for loan losses / non performing loans | 31.35 | 27.50 | 31.92 | 36.53 |
4.6 Total on-balance sheet assets / capital and reserves | 703.38 | 694.91 | 677.05 | 692.46 |
4.7 Gross loans/ Deposits | 55.99 | 55.48 | 58.97 | 61.51 |
4.8 Gross loans / Gross assets | 45.03 | 44.63 | 46.75 | 47.55 |
4.9 Risk weighted assets / (on plus off balance sheet assets) | 40.60 | 40.61 | 40.88 | 41.86 |
4.10 Contingent liabilities / Gross assets | 2.26 | 2.08 | 2.86 | 3.95 |
4.11 Large exposure / capital base | 158.23 | 167.70 | 162.85 | 205.38 |
4.12 Reserves for loan losses / Gross Loans | 7.38 | 7.35 | 9.23 | 8.89 |
5.0 Earnings and profitability | ||||
5.1 Returns on assets | 0.46 | 0.15 | 0.40 | 0.62 |
5.2 Returns on equity | 3.16 | 1.00 | 2.62 | 4.09 |
5.3 Net interest income / operating income | 60.68 | 66.96 | 65.85 | 62.22 |
5.4 Non interest income / operating income | 26.67 | 18.80 | 23.13 | 28.07 |
5.5 Operating expenses / operating income | 66.25 | 95.79 | 71.80 | 55.70 |
5.6 Foreign exchange gain / operating income | 20.11 | 11.44 | 14.88 | 19.93 |
5.7 Interest expense / interest income | 17.25 | 17.54 | 14.34 | 13.50 |
5.8 Non- interest income / operating expenses | 40.27 | 19.62 | 32.21 | 50.39 |
5.9 Personnel expenses / operating expenses | 33.26 | 26.10 | 34.22 | 26.03 |
5.10 Earning assets / average total assets | 75.53 | 73.97 | 79.37 | 79.56 |
5.11 Non-Interest expenses / Operating Income | 53.60 | 81.52 | 60.77 | 45.99 |
5.12 Personnel expenses / non interest expenses | 41.11 | 30.66 | 40.42 | 31.52 |
5.13 Net operating income / average total assets | 0.59 | 0.07 | 0.46 | 0.85 |
5.14 Operating expenses / average total assets | 1.15 | 1.51 | 1.17 | 1.06 |
5.15 Operating expenses / Operating Income | 66.25 | 95.79 | 71.80 | 55.70 |
5.16 Interest rate spread (Prime lending rate – Small savingsrate) | 5.29 | 5.59 | 5.59 | 5.59 |
6.0 Liquidity | ||||
6.1 Interest expenses / average earning assets | 0.29 | 0.30 | 0.23 | 0.23 |
6.2 Net interest income / average earning assets | 1.39 | 1.42 | 1.37 | 1.50 |
6.3 Liquid assets / Gross assets | 23.33 | 26.22 | 16.51 | 25.79 |
6.4 Liquid assets / total demand and time liabilities | 29.48 | 33.08 | 21.29 | 33.10 |
6.5 Deposits /Gross loans | 178.62 | 180.26 | 169.56 | 162.57 |
6.6 Deposits / Earning assets | 116.82 | 115.67 | 106.20 | 110.27 |
6.7 Deposits / Gross assets | 80.43 | 80.45 | 79.27 | 77.31 |
¹ Related parties include Directors, Senior Officers and shareholders with 20 percent or more shares.
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 |
6.0 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 |
6.0 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 | ||
6.0 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 | |
6.0 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 |
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.