| Income Statement |
| Interest Income | 1,153,262,000 | -7.112% | 1,241,557,000 | 1,247,366,000 | | (Interest Expense) | (580,488,000) | -10.924% | (651,675,000) | (630,133,000) | | Net Interest Income / (Expense) | 572,774,000 | -2.900% | 589,882,000 | 617,233,000 | | Other Operating Income | 168,097,000 | 21.205% | 138,688,000 | 128,382,000 | | Operating Income | 740,871,000 | 1.688% | 728,570,000 | 745,615,000 | | (Operating Expense) | (227,225,000) | 1.540% | (223,779,000) | (220,152,000) | | (Charge for Bad Debts) | (133,359,000) | 10.216% | (120,998,000) | (137,237,000) | | Operating Profit / (Loss) | 380,287,000 | -0.914% | 383,793,000 | 388,226,000 | | Exceptional Items | -- | -- | -- | -- | | Profit / (Loss) before Taxation | 380,623,000 | -0.977% | 384,377,000 | 389,377,000 | | Taxation | (40,833,000) | -- | (48,095,000) | (56,917,000) | | Minority Interests | (884,000) | -- | (705,000) | 193,000 | | Profit / (Loss) Attributable to Shareholders | 333,486,000 | 1.527% | 328,469,000 | 327,543,000 | | | | EPS / (LPS) (cts) | 130.000 | -0.763% | 131.000 | 131.000 | | DPS (cts) | 38.870 | -3.548% | 40.300 | 40.000 | | | | Dividend Payout Ratio (%) | 29.900% | -- | 30.763% | 30.534% | | NBV Per Share ($) | 14.004 | 5.388% | 13.288 | 12.600 |
|
| Financial Ratio |
| Net Interest Margin (%) | 1.200% | -- | 1.330% | 1.500% | | Interest Expense / Interest Income (%) | 50.334% | -- | 52.489% | 50.517% | | Operating Expense / Operating Income (%) | 30.670% | -- | 30.715% | 29.526% | | ROAA (%) | 0.774% | -- | 0.833% | 0.898% | | ROAE (%) | 9.548% | -- | 10.150% | 10.908% | | No. of Branches | -- | -- | -- | -- |
|
|
|
|