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INTERNET BANK

The most convenient way to handle all your finances without ever visiting a physical bank branch

CAREER
ONLINE BANKING
Performance Highlights
Financial information Credit Ratings IR Contacts

Highlights

 

Market Shares 2013 2014 2015 2016 2017 *9M 2018
Total Assets 7.7% 7.8% 6.3% 5.5% 5.2% 4.9%
Total Loan Portfolio 6.2% 5.8% 4.4% 3.9% 4.3% 4.4%
Total Customer Accounts 11.8% 12.0% 8.6% 7.5% 6.7% 6.8%

 

Key Operating Data 2013 2014 2015 2016 2017 *9M 2018
Number of Branches & Outlets  498   517   553  583  588   332
Number of Mobile Branches  105  112  114  114  114  112
Number of ATMs  342  386  425  468  495  511
Number of POS  1,494  1,968  2,597  2,934  2,225  1,804
Number of Employees 5,205 5,507 5,874 5,674 5,072 4,258

 

Key Financial Data 2013 2014 2015 2016 2017 *9M 2018 
Total Assets 1,293,614 1,578,357 1,573,746 1,613,085 1,703,477 1,851,839
Gross Loan Portfolio  626,902  739,762  698,460  704,564  866,551  997,443
Customer Accounts  1,158,671  1,412,981  1,244,023  1,292,053  1,346,288  1,502,962
Shareholders Equity  114,108  124,657  130,850  185,231  217,333  252,934
Capital  118,030  139,078  165,008  214,439  232,494  252,804
Risk Weighted Assets  950,819  1,024,043  1,189,508  1,149,962  1,355,391  1,498,996

 

Income Statement Highlights 2013 2014 2015 2016 2017 *9M 2018
Interest Income  155,144  219,015  251,147  270,146  295,309  250,556
Interest Expense  99,058  112,113  116,397  119,364  113,764  93,023
Net Interest Income  56,086  106,902  134,750  150,782  181,545  157,533
Net Non-interest Income  34,457  41,641  46,057  43,114  49,848  22,236
Total Operating Income  90,543  148,543  180,807  193,896  231,393  179,769
Operating Expenses  77,713  97,613  113,532  127,477  134,775  97,544
Net Income  18,065  21,774  32,146  47,714  53,014  44,542

 

Financial Ratios** 2013 2014 2015 2016 2017 *9M 2018
ROE 17.2% 17.8% 24.2% 31.7% 27.0% 25.4%
ROA 1.6% 1.5% 2.1% 3.1% 3.3% 3.3%
Cost to Income 85.8% 65.7% 62.8% 65.7% 58.2% 54.3%
Cost of Risk -0.8% 3.6% 4.5% 3.1% 4.9% 4.4%
Tier 1 Capital Adequacy Ratio 11.4% 11.9% 9.1% 12.4% 12.4% 13.6%
Total Capital Adequacy Ratio 12.4% 13.6% 13.9% 18.6% 17.2% 16.9%
*Unaudited preliminary results
**ROE, ROA and Cost of Risk is calculated based on 13 month average respective balance sheet components. Only end-of-year balance sheet is audited.