| Income Statement |
| Interest Income | 97,872,000 | -9.904% | 108,631,000 | 100,868,000 | | (Interest Expense) | (63,078,000) | -16.891% | (75,898,000) | (65,072,000) | | Net Interest Income / (Expense) | 34,794,000 | 6.296% | 32,733,000 | 35,796,000 | | Other Operating Income | 33,480,000 | 1.084% | 33,121,000 | 30,262,000 | | Operating Income | 68,274,000 | 3.675% | 65,854,000 | 66,058,000 | | (Operating Expense) | (36,428,000) | 10.244% | (33,043,000) | (32,070,000) | | (Charge for Bad Debts) | (3,850,000) | 12.771% | (3,414,000) | (3,447,000) | | Operating Profit / (Loss) | 27,996,000 | -4.766% | 29,397,000 | 30,541,000 | | Exceptional Items | -- | -- | -- | -- | | Profit / (Loss) before Taxation | 29,907,000 | -7.434% | 32,309,000 | 30,348,000 | | Taxation | (6,776,000) | -- | (7,310,000) | (5,789,000) | | Minority Interests | (846,000) | -- | (1,020,000) | (1,026,000) | | Profit / (Loss) Attributable to Shareholders | 21,102,000 | -7.920% | 22,917,000 | 22,432,000 | | | | EPS / (LPS) (cts) | 121.000 | -3.200% | 125.000 | 115.000 | | DPS (cts) | 75.000 | -13.793% | 87.000 | 61.000 | | | | Dividend Payout Ratio (%) | 61.983% | -- | 69.600% | 53.043% | | NBV Per Share ($) | 11.541 | 11.979% | 10.307 | 9.621 |
|
| Financial Ratio |
| Net Interest Margin (%) | 1.360% | -- | 1.220% | 1.200% | | Interest Expense / Interest Income (%) | 64.449% | -- | 69.868% | 64.512% | | Operating Expense / Operating Income (%) | 53.356% | -- | 50.176% | 48.548% | | ROAA (%) | 0.675% | -- | 0.757% | 0.749% | | ROAE (%) | 11.014% | -- | 12.377% | 12.354% | | No. of Branches | -- | -- | -- | -- |
|
|
|
|