Financial
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Financial Indicators
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MAJOR FINANCIAL INDICATORS AND RATIOS 2005 & 2004 |
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Amounts in Thousand USD |
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2005 |
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2004 |
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Change
% |
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Major
Operating Results |
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Net interest and
commission |
59,470 |
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45,292 |
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31.3 |
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Gross income |
85,822 |
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60,176 |
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42.6 |
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Income before
taxes |
55,436 |
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39,027 |
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42.1 |
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Income for the
year-Bank Shareholders |
35,983 |
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26,186 |
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37.4 |
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Earnings per
share-Bank Shareholders |
0.90 |
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0.65 |
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37.5 |
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Major Balance
Sheet Items |
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Total assets |
1,987,970 |
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1,250,086 |
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59.0 |
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Direct Credit
facilities - net |
971,756 |
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628,247 |
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54.7 |
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Customers
deposits |
1,112,757 |
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757,622 |
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46.9 |
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Total
equity-Bank shareholders |
145,100 |
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118,434 |
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22.5 |
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Major
Financial Ratios |
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Operating assets
/ Total assets |
91.9% |
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91.7% |
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Return on
average assets |
3.42% |
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3.45% |
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Return on
average Owners' equity |
40.13% |
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35% |
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Gen. & Admin.
expense / Average assets |
1.59% |
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1.87% |
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Capital adequacy
ratio |
13.13% |
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15.57% |
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Non – performing
loans / Gross credit facilities |
0.6% |
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1.3% |
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Non – performing
loans Coverage Ratio |
193% |
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134% |
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Contra
Accounts |
474,320 |
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381,468 |
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24.3 |
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