| Income Statement |
| Interest Income | 108,631,000 | 7.696% | 100,868,000 | 52,826,000 | | (Interest Expense) | (75,898,000) | 16.637% | (65,072,000) | (22,449,000) | | Net Interest Income / (Expense) | 32,733,000 | -8.557% | 35,796,000 | 30,377,000 | | Other Operating Income | 33,121,000 | 9.447% | 30,262,000 | 20,243,000 | | Operating Income | 65,854,000 | -0.309% | 66,058,000 | 50,620,000 | | (Operating Expense) | (33,043,000) | 3.034% | (32,070,000) | (32,701,000) | | (Charge for Bad Debts) | (3,414,000) | -0.957% | (3,447,000) | (3,584,000) | | Operating Profit / (Loss) | 29,397,000 | -3.746% | 30,541,000 | 14,335,000 | | Exceptional Items | -- | -- | -- | -- | | Profit / (Loss) before Taxation | 32,309,000 | 6.462% | 30,348,000 | 17,058,000 | | Taxation | (7,310,000) | -- | (5,789,000) | (809,000) | | Minority Interests | (1,020,000) | -- | (1,026,000) | (690,000) | | Profit / (Loss) Attributable to Shareholders | 22,917,000 | 2.162% | 22,432,000 | 14,346,000 | | | | EPS / (LPS) (cts) | 125.000 | 8.696% | 115.000 | 72.000 | | DPS (cts) | 87.000 | 42.623% | 61.000 | 32.000 | | | | Dividend Payout Ratio (%) | 69.600% | -- | 53.043% | 44.444% | | NBV Per Share ($) | 10.307 | 7.125% | 9.621 | 8.763 |
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| Financial Ratio |
| Net Interest Margin (%) | 1.220% | -- | 1.200% | 1.220% | | Interest Expense / Interest Income (%) | 69.868% | -- | 64.512% | 42.496% | | Operating Expense / Operating Income (%) | 50.176% | -- | 48.548% | 64.601% | | ROAA (%) | 0.757% | -- | 0.749% | 0.486% | | ROAE (%) | 12.377% | -- | 12.354% | 7.629% | | No. of Branches | -- | -- | -- | -- |
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