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  • Group Facts & Figures

Financial and balance sheet highlights, key ratios, capital ratio and other performance information

  • Description (USD million - Consolidated basis)
  • Balances , 31-Dec-15
  • Balances , 31-Dec-14
  • Total Assets
  • 16,149
  • 14,915
  • Customers' Deposits
  • 12,187
  • 11,147
  • Total Deposits & CDs
  • 12,188
  • 11,147
  • Total Loans to Customers
  • 4,250
  • 4,174
  • Performing Loans to Customers
  • 4,253
  • 4,171
  • Non-Perfomring Loans (net)
  • -2
  • 3
  • Investment Securities
  • 6,708
  • 5,893
  • Shareholders' Equity (inlcuding Net Profit)
  • 1,991
  • 1,815
  • Net Profit of the Period
  • 187
  • 176

Ratio / Indicator

  • Profitability
  • Balances , 31-Dec-15
  • Balances , 31-Dec-14
  • Return on Average Assets (ROAA)
  • 1.20%
  • 1.23%
  • Return on Average Equity (ROAE)
  • 9.81%
  • 10.53%
  • Return on Average Common Equity (ROACE)
  • 13.61%
  • 16.24%
  • Asset Utilization Ratio
  • 2.76%
  • 2.89%
  • Cost to Income Ratio
  • 43.88%
  • 43.51%
  • Non Interest Income / Operating Income
  • 34.00%
  • 35.23%

 

  • Operating Efficiency
  • Balances , 31-Dec-15
  • Balances , 31-Dec-14
  • Number of Staff
  • 1,835
  • 1,732
  • Number of Branches and banking units
  • 85
  • 83
  • Total Deposits per average staff ($000's)
  • 6,833
  • 6,669
  • Total Deposits per branch ($000's)
  • 143,379
  • 134,300
  • Net Income per average staff ($000's)
  • 105
  • 105
  • Net Income per branch ($000's)
  • 2,196
  • 2,119

 

  • Liquidity & Cash Management
  • Balances , 31-Dec-15
  • Balances , 31-Dec-14
  • Loans to Deposits Ratio
  • 34.88%
  • 37.44%
  • Deposits / Asset
  • 75.47%
  • 74.74%
  • Total Liquid Assets / Total Liabilities
  • 83.11%
  • 80.71%

 

  • Capital Adequacy
  • Balances , 31-Dec-15
  • Balances , 31-Dec-14
  • Equity to Asset Ratio
  • 12.33%
  • 12.17%
  • Capital Adequacy Ratio - Basel III
  • 13.61%
  • 14.25%
  • Core Capital Adequacy Ratio - Basel III
  • 13.51%
  • 14.17%

 

  • Common Share Performance
  • Balances , 31-Dec-15
  • Balances , 31-Dec-14
  • Basic Earnings per Share (Basic EPS) (USD)
  • 1.96
  • 2.09
  • Diluttive Earnings per Share (USD)
  • 1.96
  • 2.09
  • Basic EPS / Common Share Market Price
  • 10.30%
  • 11.22%
  • Price to Common Earnings - P/E Ratio
  • 9.71
  • 8.91
  • Price to Common Book Value - M/B Ratio
  • 1.28
  • 1.37

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