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Financial


Financial Indicators

MAJOR FINANCIAL INDICATORS AND RATIOS 2010 & 2009

 

Amounts in Thousand USD

 

 

 

 

 

 

 

2010

 

2009

 

Change

Major Operating Results

 

 

 

 

 

Net interest and commission

134,344

 

132,054

 

1.73%

Income before taxes

104,185

 

85,252

 

22.20%

Income for the year-Bank Shareholders

73,261

 

61,849

 

18.50%

Gross income

159,004

 

166,249

 

-4.36%

Earnings per share-Bank Shareholders

0.732

 

0.619

 

18.22%

 

 

 

 

 

 

Major Balance Sheet Items

 

 

 

 

 

Total assets

2,939,303

 

3,016,728

 

-2.57%

Direct Credit facilities - net

1,650,879

 

1,536,176

 

7.47%

Customers deposits and cash margins

2,011,231

 

1,916,136

 

4.96%

Total equity-Bank shareholders

457,767

 

404,192

 

13.25%

 

 

 

 

 

 

Major Financial Ratios

 

 

 

 

 

Operating assets / Total assets

92.90%

 

94.80%

 

 

Return on average assets

3.50%

 

2.88%

 

 

Return on average Owners' equity

23.70%

 

22.27%

 

 

Capital adequacy ratio

20.32%

 

17.76%

 

 

Financial leverage ratio

15.87%

 

13.69%

 

 

 

 

 

 

 

 

Efficiency Indicators

 

 

 

 

 

Gen. & Admin. expense / Average assets

1.42%

 

1.40%

 

 

Gen. & Admin. expense / Average earnings

20.26%

 

17.15%

 

Non – performing loans / Gross credit facilities

3.20%

 

3.00%

 

 

Non – performing loans Coverage Ratio

108.58%

 

115.26%

 

 

 

 

 

 

 

 

Off - Balance sheet items

575,144

 

486,274

 

18.28%