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Financial


Financial Indicators

MAJOR FINANCIAL INDICATORS AND RATIOS 2005 & 2004

 

Amounts in Thousand USD

 

 

 

 

 

 

 

2005

 

2004

 

Change

%

Major Operating Results

 

 

 

 

 

Net interest and commission

59,470

 

45,292

 

31.3

Gross income

85,822

 

60,176

 

42.6

Income before taxes

55,436

 

39,027

 

42.1

Income for the year-Bank Shareholders

35,983

 

26,186

 

37.4

Earnings per share-Bank Shareholders

0.90

 

0.65

 

37.5

 

 

 

 

 

 

Major Balance Sheet Items

 

 

 

 

 

Total assets

1,987,970

 

1,250,086

 

59.0

Direct Credit facilities - net

971,756

 

628,247

 

54.7

Customers deposits

1,112,757

 

757,622

 

46.9

Total equity-Bank shareholders

145,100

 

118,434

 

22.5

 

 

 

 

 

 

Major Financial Ratios

 

 

 

 

 

Operating assets / Total assets

91.9%

 

91.7%

 

 

Return on average assets

3.42%

 

3.45%

 

 

Return on average Owners' equity

40.13%

 

35%

 

 

Gen. & Admin. expense / Average assets

1.59%

 

1.87%

 

 

Capital adequacy ratio

13.13%

 

15.57%

 

 

Non – performing loans / Gross credit facilities

0.6%

 

1.3%

 

 

Non – performing loans Coverage Ratio

193%

 

134%

 

 

Contra Accounts

474,320

 

381,468

 

24.3