OUR NETWORK
Find our ATMs, Service-Centers, Cash Payment Terminals and other physical touchpoints on an interactive map
| Market Shares | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total Assets | 4.5% | 5.2% | 5.14% | 5.15% | 5.12% | 5.13% | 5.50% |
| Total Loan Portfolio | 3.9% | 4.4% | 4.58% | 5.54% | 5.56% | 5.81% | 5.91% |
| Total Customer Accounts | 5.9% | 6.2% | 5.86% | 5.83% | 5.80% | 5.34% | 5.96% |
| Key Operating Data | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|
| Number of Branches & Outlets | 334 | 341 | 367 | 353 | 354 | 353 | 356 | |
| Number of Mobile Branches | 100 | 108 | 107 | 102 | 102 | 103 | 102 | |
| Number of ATMs | 577 | 617 | 631 | 632 | 643 | 662 | 665 | |
| Number of POS | 5080 | 7114 | 7187 | 7765 | 7959 | 9096 | 9408 | |
| Number of Employees | 4,587 | 4,550 | 4,374 | 4,606 | 4,790 | 5,023 | 5,111 |
| Key Financial Data | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 2,134,972 | 2,989,811 | 3,112,555 | 3,640,589 | 4,095,597 | 4,917,056 | 5,515,592 |
| Gross Loan Portfolio | 1,269,215 | 1,733,613 | 2,030,630 | 2,541,577 | 2,992,709 | 3,687,907 | 4,032,512 |
| Customer Accounts | 1,565,088 | 2,173,356 | 2,233,650 | 2,689,669 | 3,033,490 | 3,227,446 | 3,703,990 |
| Shareholders Equity | 307,805 | 308,266 | 349,841 | 414,661 | 495,737 | 609,333 | 671,374. |
| Income Statement Highlights | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Interest Income | 270,185 | 289,704 | 368,537 | 441,651 | 522,672 | 614,804 | 343,998 |
| Interest Expense | 104,538 | 133,877 | 149,117 | 191,641 | 235,049 | 281,232 | 161,529 |
| Net Interest Income | 165,647 | 155,827 | 219,420 | 250,010 | 287,623 | 333,572 | 182,469 |
| Net Non-interest Income | 45,066 | 40,322 | 28,060 | 54,631 | 58,046 | 63,875 | 29,872 |
| Total Operating Income | 210,713 | 196,149 | 247,480 | 304,641 | 345,669 | 397,447 | 212,341 |
| Operating Expenses | 145,697 | 158,346 | 167,807 | 192,985 | 211,648 | 246,976 | 128,989 |
| Net Income | 36,913 | -4,911 | 42,351 | 63,285 | 81,047 | 103,357 | 62,020 |
| Financial Ratios** | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| ROE | 12.8% | -1.6% | 12.9% | 16.6% | 17.8% | 18.7% | 19.37% |
| ROA | 1.86% | -0.19% | 1.39% | 1.9% | 2.1% | 2.3% | 2.38% |
| Cost to Income | 69.1% | 80.7% | 67.8% | 63.3% | 61.2% | 62.1% | 60.4% |
| Cost of Risk | 2.3% | 3.3% | 1.8% | 1.1% | 1.4% | 0.9% | 0.33% |
| Tier 1 Capital Adequacy Ratio | 12.2% | 9.0% | 10.5% | 11.1% | 13.3% | 14.0% | 14.43% |
| Total Capital Adequacy Ratio | 18.3% | 13.8% | 14.8% | 14.2% | 15.4% | 16.7% | 17.40% |
