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 Qrt 4
1.0 Capital Adequacy
1.1 QualifyingCapital /Risk -weighted assets 27.90
1.2 Tier 1 Capital/ Risk weighted assets 27.67
1.3 Tier 11 Capital/ risk-weighted assets 0.25
1.4 Capital & Reserves/Total assets 12.97
2.0 Lending to connected parties ¹
2.1 Related party loans/Gross loans 8.19
2.2 Related party loans/capital base 24.68
2.3 Director exposure/related party loans 1.03
3.0 Assets Composition
3.1 Business enterprise/Gross loans 71.66
3.2 Agriculture/Gross loans 8.76
3.3 Mining and Quarrying / Gross loans 2.86
3.4 Manufacturing/Gross loans 24.25
3.5 Services / Gross loans 35.80
3.6 Households / Gross loans 10.47
3.7 Top 20 borrowers /Total exposure 34.44
3.8 Top 20 borrowers exposure / capital base 195.85
4.0 Assets Quality
4.1 Non performing loans / Gross loans 27.21
4.2 Non performing loans / Gross assets 9.36
4.3 Non performing net of reserve for Loans losses / capital and reserves 50.39
4.4 Non- performing loans / capital reserves 74.41
4.5 Reserves for loan losses / non performing loans 32.27
4.6 Total on-balance sheet assets / capital and reserves 794.91
4.7 Gross loans/ Deposits 41.96
4.8 Gross loans / Gross assets 34.40
4.9 Risk weighted assets / (on plus off balance sheet assets) 39.88
4.10 Contingent liabilities / Gross assets 3.24
4.11 Large exposure / capital base 157.95
4.12 Reserves for loan losses / Gross Loans 8.78
5.0 Earnings and profitability
5.1 Returns on assets 0.20
5.2 Returns on equity 1.51
5.3 Net interest income / operating income 59.97
5.4 Non interest income / operating income 26.70
5.5 Operating expenses / operating income 78.41
5.6 Foreign exchange gain / operating income 12.09
5.7 Interest expense / interest income 18.18
5.8 Non- interest income / operating expenses 34.05
5.9 Personnel expenses / operating expenses 36.61
5.10 Earning assets / average total assets 67.97
5.11 Non-Interest expenses / Operating Income 65.09
5.12 Personnel expenses / non interest expenses 44.11
5.13 Net operating income / average total assets 0.24
5.14 Operating expenses / average total assets 0.87
5.15 Operating expenses / Operating Income 78.41
5.16 Interest rate spread (Effective lending rate – Small savingsrate) 5.82
6.0 Liquidity
6.1 Interest expenses / average earning assets 0.21
6.2 Net interest income / average earning assets 0.95
6.3 Liquid assets / Gross assets 29.33
6.4 Liquid assets / total demand and time liabilities 36.25
6.5 Deposits /Gross loans 238.30
6.6 Deposits / Earning assets 132.98
6.7 Deposits / Gross assets 81.97
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.