Financial
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Financial Indicators
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MAJOR FINANCIAL INDICATORS AND RATIOS 2010 & 2009 |
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Amounts in Thousand USD |
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2010 |
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2009 |
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Change
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Major
Operating Results |
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Net interest and
commission |
134,344 |
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132,054 |
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1.73% |
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Income before
taxes |
104,185 |
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85,252 |
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22.20% |
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Income for the
year-Bank Shareholders |
73,261 |
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61,849 |
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18.50% |
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Gross income |
159,004 |
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166,249 |
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-4.36% |
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Earnings per
share-Bank Shareholders |
0.732 |
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0.619 |
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18.22% |
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Major Balance
Sheet Items |
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Total assets |
2,939,303 |
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3,016,728 |
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-2.57% |
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Direct Credit
facilities - net |
1,650,879 |
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1,536,176 |
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7.47% |
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Customers
deposits and cash margins |
2,011,231 |
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1,916,136 |
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4.96% |
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Total
equity-Bank shareholders |
457,767 |
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404,192 |
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13.25% |
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Major
Financial Ratios |
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Operating assets
/ Total assets |
92.90% |
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94.80% |
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Return on
average assets |
3.50% |
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2.88% |
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Return on
average Owners' equity |
23.70% |
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22.27% |
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Capital adequacy
ratio |
20.32% |
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17.76% |
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Financial leverage ratio |
15.87% |
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13.69% |
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Efficiency Indicators |
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Gen. & Admin.
expense / Average assets |
1.42% |
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1.40% |
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Gen. & Admin.
expense / Average earnings |
20.26% |
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17.15% |
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Non – performing
loans / Gross credit facilities |
3.20% |
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3.00% |
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Non – performing
loans Coverage Ratio |
108.58% |
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115.26% |
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Off - Balance sheet items |
575,144 |
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486,274 |
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18.28% |
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