Quarterly Financial Indicators

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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.

2021

		Qrt 1	Qrt 2	Qrt 3
1.0	Capital Adequacy
1.1	QualifyingCapital /Risk -weighted assets	27.90	29.76	28.00
1.2	Tier 1 Capital/ Risk weighted assets	27.67	29.45	27.71
1.3	Tier 11 Capital/ risk-weighted assets	0.25	0.31	0.29
1.4	Capital & Reserves/Total assets	12.97	12.53	12.50

2.0	Lending to connected parties ¹
2.1	Related party loans/Gross loans	8.19	9.87	11.45
2.2	Related party loans/capital base	24.68	28.56	36.40
2.3	Director exposure/related party loans	1.03	10.05	9.63

3.0	Assets Composition
3.1	Business enterprise/Gross loans	71.66	72.60	73.90
3.2	Agriculture/Gross loans	8.76	8.69	9.24
3.3	Mining and Quarrying / Gross loans	2.86	2.72	2.58
3.4	Manufacturing/Gross loans	24.25	21.63	19.43
3.5	Services / Gross loans	35.80	39.56	42.64
3.6	Households / Gross loans	10.47	11.78	10.83
3.7	Top 20 borrowers /Total exposure	34.44	34.16	33.20
3.8	Top 20 borrowers exposure / capital base	195.85	204.80	216.53

4.0	Assets Quality
4.1	Non performing loans / Gross loans	27.21	25.92	23.41
4.2	Non performing loans / Gross assets	9.36	8.75	8.44
4.3	Non performing net of reserve for Loans losses / capital and reserves	50.39	46.33	44.31
4.4	Non- performing loans / capital reserves	74.41	72.14	69.71
4.5	Reserves for loan losses / non performing loans	32.27	35.79	36.43
4.6	Total on-balance sheet assets / capital and reserves	794.91	824.07	825.47
4.7	Gross loans/ Deposits	41.96	41.16	44.27
4.8	Gross loans / Gross assets	34.40	33.78	36.07
4.9	Risk weighted assets / (on plus off balance sheet assets)	39.88	38.44	39.78
4.10	Contingent liabilities / Gross assets	3.24	3.07	2.79
4.11	Large exposure / capital base	157.95	157.82	169.10
4.12	Reserves for loan losses / Gross Loans	8.78	9.27	8.53

5.0	Earnings and profitability
5.1	Returns on assets	0.20	0.27	0.34
5.2	Returns on equity	1.51	2.08	2.71
5.3	Net interest income / operating income	59.97	64.50	61.38
5.4	Non interest income / operating income	26.70	25.25	32.15
5.5	Operating expenses / operating income	78.41	70.97	61.67
5.6	Foreign exchange gain / operating income	12.09	10.33	14.04
5.7	Interest expense / interest income	18.18	13.70	9.54
5.8	Non- interest income / operating expenses	34.05	35.59	52.13
5.9	Personnel expenses / operating expenses	36.61	38.00	41.69
5.10	Earning assets / average total assets	67.97	74.59	78.85
5.11	Non-Interest expenses / Operating Income	65.09	60.72	55.20
5.12	Personnel expenses / non interest expenses	44.11	44.41	46.58
5.13	Net operating income / average total assets	0.24	0.36	0.48
5.14	Operating expenses / average total assets	0.87	0.87	0.77
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

6.0	Liquidity
6.1	Interest expenses / average earning assets	0.21	0.18	0.11
6.2	Net interest income / average earning assets	0.95	1.13	1.02
6.3	Liquid assets / Gross assets	29.33	30.91	23.61
6.4	Liquid assets / total demand and time liabilities	36.25	38.07	29.27
6.5	Deposits /Gross loans	238.30	242.98	225.89
6.6	Deposits / Earning assets	132.98	122.57	114.44
6.7	Deposits / Gross assets	81.97	82.08	81.47
	¹ Related parties include directors, Senior Officers and shareholders with 20 percent or more shares.

2020

	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

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

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

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

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

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

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

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

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.