OUR NETWORK
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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% |