Performance Highlights - Liberty

Performance Highlights

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.