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Highlights

 

Market Shares 2013 2014 2015 2016 2017 2018
Total Assets 7.7% 7.8% 6.3% 5.5% 5.2% 4.7%
Total Loan Portfolio 6.2% 5.8% 4.4% 3.9% 4.3% 3.9%
Total Customer Accounts 11.8% 12.0% 8.6% 7.5% 6.7% 6.4%

 

Key Operating Data 2013 2014 2015 2016 2017 2018
Number of Branches & Outlets  498   517   553  583  588   334
Number of Mobile Branches  105  112  114  114  114 110
Number of ATMs  342  386  425  468  495  527
Number of POS  1,494  1,968  2,597  2,934  2,225  1,578
Number of Employees 5,205 5,507 5,874 5,674 5,072 4,491

 

Key Financial Data 2013 2014 2015 2016 2017 2018 
Total Assets 1,293,614 1,578,357 1,573,746 1,613,085 1,703,477  1,840,233
Gross Loan Portfolio  626,902  739,762  698,460  704,564 866,551  1,061,646
Customer Accounts  1,158,671  1,412,981  1,244,023  1,292,053  1,346,288  1,482,249
Shareholders Equity  114,108  124,657  130,850  185,231  217,333  270,366
Capital  118,030  139,078  165,008  214,439  232,494  271,169
Risk Weighted Assets  950,819  1,024,043  1,189,508  1,149,962  1,355,391  1,531,726

 

Income Statement Highlights 2013 2014 2015 2016 2017 2018
Interest Income  155,144  219,015  251,147  270,146  295,309  302,009
Interest Expense  99,058  112,113  116,397  119,364  113,764  119,456
Net Interest Income  56,086  106,902  134,750  150,782  181,545  182,544
Net Non-interest Income  34,457  41,641  46,057  43,114  49,848  46,656
Total Operating Income  90,543  148,543  180,807  193,896  231,393  229,200
Operating Expenses  77,713  97,613  113,532  127,477  134,775  128,173
Net Income  18,065  21,774  32,146  47,714  53,014  57,200

 

Financial Ratios** 2013 2014 2015 2016 2017 2018
ROE 17.2% 17.8% 24.2% 31.7% 27.0% 23.8%
ROA 1.6% 1.5% 2.1% 3.1% 3.3% 3.1%
Cost to Income 85.8% 65.7% 62.8% 65.7% 58.2% 55.9%
Cost of Risk -0.8% 3.6% 4.5% 3.1% 4.9% 3.8%
Tier 1 Capital Adequacy Ratio 11.4% 11.9% 9.1% 12.4% 12.4% 14.0%
Total Capital Adequacy Ratio 12.4% 13.6% 13.9% 18.6% 17.2% 17.7%

 
*Preliminary Unaudited Data
**In the denominator of ROE, ROA and Cost of Risk 13 month average respective balance sheet components are used. Only end-of-year balance sheet is Audited.