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SELECTED DATA ON THE KENYAN BANKING SECTOR FOR THE PERIOD BETWEEN 2000-2011

Figures in Millions
BANKS
ABN-AMRO Bank
African Banking Corporation Ltd.
Akiba Bank Ltd
Bank of Africa
Bank of Baroda
Bank of India
Barclays Bank of Kenya Ltd
Biashara Bank of Kenya Ltd
Bullion Bank Ltd.
CFC Bank Ltd.
Charterhouse Bank Ltd.
Chase Bank Ltd.
Citibank, N.A.
City Finance Bank Ltd.
Commercial Bank of Africa Ltd.
Consolidated Bank of Kenya ltd.
Co-operative Bank of Kenya Ltd.
Co-operative Merchant Bank Ltd.
Credit Agricole Indosuez
Credit Bank Ltd.
Daima Bank Ltd.
Delphis Bank Ltd.
Development Bank of Kenya Ltd.
Diamond Trust Bank Kenya Ltd.
Dubai Bank Ltd.
EABS Bank
Ecobank Bank Ltd
Equatorial Commercial Bank Ltd.
Equity Bank
Euro Bank Ltd.
Family Bank Ltd
Fidelity Commercial Bank Ltd.
Fina Bank Ltd.
First American Bank Ltd.
Giro Commercial Bank Ltd.
Guardian Bank Ltd.
Gulf African Bank Ltd
Habib AG Zurich
Habib Bank Ltd.
Imperial Bank Ltd.
Industrial Development Bank Ltd.
Investment & Mortgages Bank Ltd.
Jamii Bora Bank
Kenya Commercial Bank Ltd
K-Rep Bank Ltd.
Middle East Bank of Kenya Ltd.
National Bank of Kenya Ltd
National Industrial Credit Bank Ltd.
Oriental Commercial Bank
Paramount-Universal Bank Ltd.
Prime Bank Ltd.
Southern Credit Banking Corp. Ltd.
Stanbic Bank Kenya Ltd.
Standard Chartered Bank Ltd
Transnational Bank Ltd.
Trust Bank Ltd.
UBA Kenya Bank Ltd
Victoria Commercial Bank Ltd

2000
RESERVES AND
SHAREHOLDERS
CAPITAL

2001

NON PERFOMING TOTAL


LOANS
LOANS

PROFIT
BEFORE
TAX

TOTAL
ASSETS

2,261
324
589

868
369
532

8,818
1,640
1,506

489
34
26

16,546
3,612
3,309

370
319
10,339
354
211
1,439
265
319
2,295
304
1,551
982
1,489
185
645
322
89
86
1,206
1,055
258

467
86
4,115
85
1,060
180
97
3
198
531
936
775
7,764
2,137
304
306
761
2,196
1,357
743
91

1,328
716
44,520
879
1,114
5,447
777
390
10,042
630
5,017
1,304
16,803
2,764
3,132
964
945
3,119
2,922
1,892
311

47
94
2,983
60
-249
243
77
26
619
-122
370
-14
-1,414
-156
68
26
-46
-731
84
175
-1

3,806
3,019
84,118
2,410
1,697
9,773
1,524
908
22,500
875
14,482
3,253
27,852
4,362
8,122
2,011
1,292
5,553
4,513
5,494
686

367

505

1,344

30

108

889

1,703

15

218
475
1,027
357
606

372
796
1,550
864
2,284

957
2,760
3,954
2,714
3,839

288
261
458
1,293
1,076

92
199
307
1,145
787

6,470
507
661
2,156
2,210

PROFIT BEFORE
TAX

TOTAL
ASSETS

2002

SHAREHOLDERS
EQUITY

NON PERFORMING TOTAL


LOANS
LOANS

PROFIT BEFORE
TAX

TOTAL
ASSETS

40.94
22.01

3,717.00
4,527.00

352.00
605.00

213
543

1,340
2,452

44
19

4,065
5,158

52.09
115.53
4,215.49
70.81

4,391.00
3,572.00
89,923.00
2,751.00

383.00
383.00
11,401.00
376.00

270
57
5,951
24

1,260
851
47,615
938

41
63
2,518
52

5,604
5,122
105,378
3,062

145.22
92.21
30.00
699.24
1.51
477.11
(13.14)
(439.28)
(365.91)
62.76
37.62
(38.81)
(518.13)
106.66
38.23
10.15

10,569.00
2,474.00
1,038.00
41,850.00
1,008.00
20,374.00
4,368.00
30,786.00
4,242.00
8,803.00
1,881.00
1,255.00
3,725.00
4,269.00
6,232.00
963.00

1,459.00
328.00
334.00
4,015.00
390.00
1,703.00
802.00
1,992.00
(181.00)
723.00
348.00
38.00
(667.00)
1,014.00
1,043.00
296.00

225
87
1
296
386
544
745
5,924
1,726
255
121
480
1,920
951
339
69

5,398
720
476
12,388
569
4,586
1,061
16,667
2,530
2,526
684
669
2,518
2,131
1,916
325

187
105
47
1,159
15
351
77
102
45
31
-1
-277
39
107
-28
65

12,674
2,511
1,401
36,108
933
19,617
4,160
41,810
6,532
2,133
1,318
4,222
3,463
6,942
980
2,965

2,523

27.39

2,677.00

372.00

178

917

-1,071

3,820

1,960

(76.90)

2,506.00

31.00

930

1,543

22

1,454

2
51
121
20
56

1,558
5,514
7,480
4,704
5,258

25.85
51.60
227.50
29.59
55.64

1,517.00
5,846.00
8,386.00
5,272.00
4,850.00

237.00
508.00
1,145.00
375.00
635.00

298
514
913
851
1,466

816
2,893
3,347
2,925
2,716

73
191
33
64
82

6,622
8,138
5,239
5,205
4,345

743
931
2,140
1,827
4,028

106
79
113
-65
138

3,473
3,247
3,613
2,449
8,658

112.85
98.10
147.62
(221.38)
101.10

3,946.00
3,514.00
4,370.00
2,905.00
8,848.00

354.00
316.00
525.00
524.00
1,078.00

42
107
235
583
461

732
792
2,563
1,466
3,695

110
187
-98
109
-3,199

3,561
5,285
2,011
9,416
92,382

19,750
5
510
26,079
1,219

43,829
438
1,631
37,181
4,781

-693
14
111
-1,631
451

93,518
972
5,062
44,934
8,738

169.47
56.89
80.10
(322.58)
377.04

89,904.00
1,202.00
5,173.00
50,394.00
9,821.00

6,406.00
549.00
677.00
2,457.00
2,326.00

19,989
6
300
14,582
923

39,569
740
1,528
26,119
4,702

86
60
390
340
9

1,736
5,021
53,618
10,826
1,715

260
416
311
1,017
4,554
439
-1,160

358
304
606
1,814
2,694
717
11,708

958
1,586
1,218
4,355
18,103
1,088
12,196

17
47
-14
-439
3,119
22
-1,582

1,716
3,181
1,997
9,078
59,846
2,578
13,300

12.09
55.29
(64.11)
(290.44)
3,205.07
221.09

1,771.00
3,862.00
3,936.00
8,456.00
67,479.00
2,762.00

268.00
476.00
1,108.00
754.00
4,672.00
640.00

283
98
657
793
1,601
341

783
1,618
1,511
3,400
15,106
991

71
14
35
3,217
122
22

4,767
3,517
9,704
74,495
3,075
3,738

455

662

2,001

21

3,652

20.01

3,275.00

465.00

274

1,565

2002

2003

SHAREHOLDERS
EQUITY

NON PERFORMING TOTAL


LOANS
LOANS

NON PERFORMING
LOANS (NPLS)

2004

TOTAL
ASSETS

TOTAL LOANS

SHARE
HOLDERS
EQUITY

PRE TAX
PROFIT

PROFIT BEFORE
TAX

TOTAL
ASSETS

SHAREHOLDERS
EQUITY

NON PERFORMING PROFIT BEFORE


TOTAL LOANS
LOANS
TAX

382
620

152
891

1,644
3,277

144
1,011

1,795
2,723

3,833
4,176

426
689

66
-754

114
-62

4,321
5,009

504
(10.30)

130,467
1,042,648
234,485
9,081,239

2,130,829
2,714,538
2,797,686
69,768,719

415
774
9,989
396

258
82
7,925
13

1,533
1,081
52,829
787

298
120
8,844

1,886
1,452
60,039

8,044
5,829
97,001

823
885
11,022

143
176
4,764

274
123
5,413

8,654
6,342
115,800

969
959
12,485

1,507
401
366
4,067
396
1,568
624
1,794
752
370
28
824
809
1,051
306
416

354
128
1
348
265
525
711
8,778
172
139
450
1,991
708
161
92
149

6,312
1,027
684
11,554
484
4,975
1,487
22,596
2,136
693
651
2,173
1,791
2,780
510
1,080

422
143
2
466
126
503
846
8,195

8,047
1,568
937
8,795
347
4,625
1,589
23,250

13,811
2,632
1,710
33,769
650
18,341
2,442
32,518

1,601
475
471
4,172
406
1,648
636
2,130

254
107
59
826
11
544
12
183

354
43
-92
356
11
416
-71
354

18,474
3,773
2,128
26,043
624
21,394
4,579
62,088

1,702
503
(17.42)
3,510
2.64
1,812
(12.57)
3,299

30
162
513
1,286
407
128
97

3,343
912
576
1,675
1,108
5,015
510

4,809
2,145
404
2,211
2,693
8,571
783

740
404
-274
650
901
1,175
355

1
47
-119
-230
126
180
9

47
-3
94
193
31
103
218

2,708
1,060
2,780
11,691
1,146
3,023
7,161

419
0.91
934
1,223
373
508
1,271

-980

1,633

2,646

119

1,537

2,941

460

96

1,776

0.65

248

228

776

554
1,199
397
663
375

442
841
741
1,202
56

2,776
3,289
2,773
2,449
740

205
397
626
743
946

833
2,869
3,283
2,981
2,776

1,235
5,851
6,660
4,257
4,066

260
629
1,243
420
681

18
105
150
33
52

-51
214
14
119
56

6,564
9,630
5,166
4,851
4,596

373
617
355
1,093
4,316

73
235
567
583
20,175

819
2,812
1,344
3,519
36,175

52
33
241
543
448

725
890
3,109
1,280
5,498

4,030
3,569
4,921
1,486
12,130

409
406
742
274
1,596

77
95
254
-85
285

92
268
-90
372
1,076

609
687
1,917
2,498
280

18
406
14,897
947
361

1,185
1,313
28,593
5,381
816

15,620
97
326
16,432
759

33,418
1,561
1,512
31,106
7,447

58,067
2,174
3,455
25,977
11,142

4,681
689
711
2,154
2,576

856
120
79
492
359

543
433
649
4,667
715
479

194
516
316
1,399
418
258

2,032
1,669
2,919
17,048
1,039
1,414

299
216
660
200
1,345
217

873
2,065
1,968
4,110
19,328
838

1,209
5,232
3,264
9,974
64,241
1,439

284
604
463
945
6,368
867

182

1,746

3,336

492

122.8

393,952
534,023
118,277
386,237
115,139
485,196
780,662
8,663,321

11,199,634
1,983,136
1,293,593
9,814,650
333,574
5,648,091
1,579,270
33,023,932

417.6
122.4
61.2
1,284.90
-46.7
613.7
-12.7
705.6

166,572
500,893

1,396,296
552,233

89.8

263,213

770,357

187,332

616,771

166.0
363.5
29.0
7.2

166,572

1,396,296

(6.49)
1,325
431
715
448

196,257
548,473
577,183
774,013
910,632

1,195,961
3,086,639
5,306,264
3,273,717
3,222,462

3,453
6,286
1,844
15,664
81,797

413
876
(48.74)
1,721
7,978

373,296
453,724
766,030

4,198,043
1,226,232
8,468,385

110
36
743
373
-369

2,851
4,366
59,727
17,549
2,874

757
713
2,625
2,644
(95.07)

15,777,723

42,348,284

11
82
49
-151
4,011
121

12
103
61
154
2,691
1,035

2,048
6,006
4,453
11,959
70,310
2,832

31

45

3,750

7.5
238.4
123.7
5,401.50

109.0
500.5

16.2
94.7
-5.6
56.4
146.8
20.7
304.8
489.4

399,801

1,702,419

292
670
504
1,771
5,419
1,009

589,512
1,127,826
433,384
394,462
651,574
100,410
1,631,842
217,794

11,854,340
1,354,982
890,197
2,782,770
2,158,701
7,077,673
26,960,203
1,044,065

1,908.60
48.1
115.2
859.1
403.3
-85.7
15.8
125.0
31.0
439.8
3,500.30
59.1

507

50,631

1,926,490

123.7

2005

2006

SHAREHOLDERS
EQUITY

TOTAL ASSETS

NON
PERFORMING
LOANS

TOTAL LOANS

PROFIT BEFORE
TAX

TOTAL
ASSETS
(GROSS)

SHAREHOLDERS
EQUITY

2007

TOTAL LOANS

PROFIT
BEFORETAX

NON PERFORMING LOANS

GROSS
ASSETS

SHAREHOLDERS
EQUITY

6,099

586

145,262

2,707,287

140

6591

677

3,549,896

184,481

185

6,700

812

7,898
10,150
8,177
129,237

652
1,069
858
13,177

29,324
248,554
80,544
11,877,000

3,060,483
3,480,423
2,386,838
70,267,827

61
373
278
6,624

8515
12809
9538
149039

978
1,263
1,023
14,862

6,856,438
8,937,671
4,448,355
108,085,974

141,183
415,651
259,205
6,582,012

158
497
474
7,079

8,093
15,245
10,610
167,475

1,263
1,532
1,312
17,564

27,171
5,510
2,948
37,019
691
36,463
5,069
71,532

2,718
581
562
5,355
370
2,331
699
4,057

748,003
308,263
89,697
353,522
257,361
916,520
801,787
9,742,231

11,891,086
2,545,807
1,707,330
10,109,317
354,864
11,918,284
1,709,721
36,507,720

679
124
111
1,530
-17
1,311
16
1,233

31869
4501
4800
44831
731
45002
4100
77227

2,990
670
636
6,256
354
3,631
722
4,810

44,204,538

2,965,625

921

29,467

3,339

5,139,219
18,153,603
192,536
26,308,845
2,750,737
53,293,245

284,352
128,630
54,670
1,098,163
694,551
6,605,429

180
1,782
28
1,402
26
2,288

5,999
48,533
920
40,178
5,392
75,278

696
7,330
326
4,518
748
6,807

3,386

464

262,839

1,748,942

90

2610

510

1,809,656

212,913

131

3,582

562

3,288
18,749
1,954
10,658

1,050
1,416
386
1,287

232,872
85,707
229,091
1,548,863

1,197,489
10,586,064
889,900
4,325,822

127
685
20
47

3800
26153
1690
10600

1,068
2,609
397
1,571

3,438,979
25,460,278
957,275

374,664
269,203
445,194

157
869
14
117

4,999
31,130
2,214
11,210

1,144
4,670
403
1,688

4,286
12,341

579
1,594

121,125
519,377

1,913,264
5,743,428

94
1,100

4145
22391

617
2,201

5,125,851
2,306,663
40,857,796

2,889,815
183,826
2,227,687

73
2,364

5,116
54,640

670
14,917

1,938
8,589

270
847

141,320
485,270

1,100,325
3,726,242

26
147

2600
8531

287
972

9,123
3,446
8,633

1,277
319
1,054

431
757

676,576
903,868

3,489,031
3,326,548

59
48

5700
5712

495
788

41
25

5,970
6,494

528
805

5,351
3,250
9,896

543
428
1,122

47,856
85,637
337,847

1,169,065
697,293
4,452,396

165
6
387

5900
3900
12400

650
446
1,353

404,900
118,214
467,244
294,717
999,252
119,355
43,001
445,874

268
49
115

6,082
5,679

5,889,836
2,786,845
6,189,638
868,259
3,410,818
3,552,655
1,932,165
2,077,109
988,273
8,276,121

204
107
564

6,440
4,022
12,386

742
522
1,580

24,515

2,057

684,629

11,323,697

936

30054

2,795

25,886,893

1,743,793

1,294

30,389

3,867

104,487
3,952
5,596
65,211
23,349
2,624
2,485
8,938
5,030
17,573
104,274
2,654

9,969
790
794
3,223
2,722
723
301
722
519
2,032
9,508
1,048

10,005,038
110,276
240,603
17,146,219
705,865
998,749
287,412
401,955
694,271
124,128
1,679,449
365,160

39,593,341
2,467,835
1,644,325
38,140,284
14,748,356
1,139,760
1,006,384
3,524,859
2,098,363
8,836,144
34,710,772
1,388,948

3,035
152
100
934
675
-65
31
191
32
917
3,798
46

115592
5350
5159
70125
29240
2124
3000
12417
5404
31246
114162
2820

11,481
898
842
3,848
3,035
673
426
1,318
533
2,738
10,039
1,122

79,343,099
5,934,644
1,651,305
8,950,145
29,954,948
957,908
1,268,045
9,425,710
2,654,508

7,970,359
1,086,772
242,540
1,970,322
1,031,988
453,498
234,075
676,296
708,673

43,298,819
1,440,702

1,066,807
397,757

3,863
190
94
1,610
1,048
209
43
317
41
1,194
4,897
81

124,527
7,303
3,333
52,098
32,673
2,367
3,371
14,374
6,354
35,086
92,966
3,664

12,846
1,018
879
4,967
4,735
819
456
1,926
560
3,357
10,816
1,103

4,836

562

31,339

1,963,113

128

4698

581

2,778,208

10,191

151

4,196

657

2007

2008

TOTAL LOANS

PROFIT BEFORE
NON PERFORMING LOANS
TAX

2009

SHAREHOLDERS
EQUITY

GROSS ASSETS

TOTAL LOANS

NON
PERFORMING
LOANS

PROFIT BEFORE
TAX

NET ASSETS

SHAREHOL
DERS
EQUITY

TOTAL LOANS

PROFIT
NON-PERFORMING
BEFORE
LOANS
TAX

3,549,896

184,481

224

6,826

968

3,549,896

184,481

257

9,118

1,145

3,549,896

184,481

480

6,856,438
8,937,671
4,448,355
44,204,538

141,183
415,651
259,205
6,582,012

93
633
609
8,016

12,823
18,787
12,143
172,113

1,662
1,910
1,690
20,463

6,856,438
8,937,671
4,448,355
44,204,538

141,183
415,651
259,205
6,582,012

260
726
609
9,002

16,978
22,399
15,586
169,788

2,511
2,565
2,069
24,210

6,856,438
8,937,671
4,448,355
108,085,974

141,183
415,651
259,205
6,582,012

484
1,828
991
10,775

18,153,603

2,965,625

7,118

18,153,603

2,965,625

247
3,353
-3
1,694
85
3,337

10,477
47,839
587
51,248
5,543
91,022

845
9,190
323
4,949
846
13,933

5,139,219
18,153,603
192,536
18,153,603
2,750,737
26,308,845

284,352
128,630
54,670
1,098,163
694,551
6,605,429

98,401
0
13,169
51,581
519
58,904
7,565
114,234

8,143
0
1,223
11,077
315
6,323
927
16,103

2,965,625

284,352
128,630
54,670
1,098,163
694,551
6,605,429

1,333
0
318
3,055
-7
1,768
117
3,727

44,204,538

5,139,219
18,153,603
192,536
18,153,603
2,750,737
26,308,845

5,139,219
18,153,603
192,536
26,308,845
2,750,737
53,293,245

284,352
128,630
54,670
1,098,163
694,551
6,605,429

535
2,879
2,695
258
5,559
34

1,809,656

212,913

79

3,803

666

1,809,656

212,913

83

3,840

728

1,809,656

212,913

236

3,438,979
25,460,278
957,275

374,664
269,203
445,194

171
1,305
7
67

6,634
42,073
2,167
12,589

1,229
5,334
411
1,743

3,438,979
25,460,278
957,275

374,664
269,203
445,194

188
1,634
9

8,289
47,509
2,147

1,363
6,263
463

3,438,979
25,460,278
957,275

374,664
269,203
445,194

2,872
3
188

5,125,851
2,306,663
40,857,796

2,889,815
183,826
2,227,687

-8
4,757

4,477
78,001

676
19,660

5,125,851
2,306,663
40,857,796

2,889,815
183,826
2,227,687

-1,151
77
5,570

16,134
4,528
98,434

2,148
730
23,337

5,125,851
2,306,663
40,857,796

2,889,815
183,826
2,227,687

(34)
9,312
501

5,889,836
2,786,845
6,189,638
868,259
3,410,818
3,552,655
1,932,165
2,077,109
988,273
8,276,121

404,900
118,214
467,244
294,717
999,252
119,355
43,001
445,874

531
73
82

10,713
4,397
10,201

1,557
424
1,171

-307
126

3,189
6,154

775
608

44
-382
242

6,284
5,000
6,622

835
1,273
774

5,889,836
2,786,845
6,189,638
868,259
3,410,818
3,552,655
1,932,165
2,077,109
988,273
8,276,121

404,900
118,214
467,244
294,717
999,252
119,355
43,001
445,874

343
52
23
-152
185
61
-162
286
197
802

13,683
5,539
12,836
4,457
7,026
7,316
7,750
7,438
4,729
15,755

1,853
490
1,198
663
857
873
1,150
958
747
2,247

5,889,836
2,786,845
6,189,638
868,259
3,410,818
3,552,655
1,932,165
2,077,109
988,273
8,276,121

404,900
118,214
467,244
294,717
999,252
119,355
43,001
445,874

377
151
(160)
634
112
47
248
235
560
1,248

25,886,893

1,743,793

146

4,561

620

25,886,893

1,743,793

1,752

44,486

7,419

25,886,893

1,743,793

3,004

65,343,099
5,934,644
1,651,305
8,950,145
29,954,948
957,908
1,268,045
9,425,710
2,654,508

7,970,359
1,086,772
242,540
1,970,322
1,031,988
453,498
234,075
676,296
708,673

5,188
1,912
20,058
1,129
877
6,208
5,529
944
492
3,075
483
11,390

7,970,359
1,086,772
242,540
1,970,322
1,031,988
453,498
234,075
676,296
708,673

6,426
-289
44
2,159
1,529
33
42
564
-730

180,041
7,685
3,177
52,327
46,326
3,421
3,418
24,173
4,964

22,398
1,107
904
7,908
6,434
982
527
3,065
-5

79,343,099
5,934,644
1,651,305
8,950,145
29,954,948
957,908
1,268,045
9,425,710
2,654,508

7,970,359
1,086,772
242,540
1,970,322
1,031,988
453,498
234,075
676,296
708,673

(84)
11,538
111
206
2,698
2,416
183
281
770

1,066,807
397,757

37,022
13,780
181,974
8,431
3,448
44,588
43,609
2,774
3,552
20,455
5,463
100,392

65,343,099
5,934,644
1,651,305
8,950,145
29,954,948
957,908
1,268,045
9,425,710
2,654,508

43,298,819
1,440,702

1,620
673
5,394
-472
30
1,797
1,474
68
51
460
6
4,709

43,298,819
1,440,702

1,066,807
397,757

6,726
88

124,806
3,705

13,807
1,325

43,298,819
1,440,702

1,066,807
397,757

7,668
159

2,778,208

10,191

121

3,710

1,235

2,778,208

10,191

-213
216

1,216
5,130

996
935

2,778,208

10,191

(138)
311

1,313
-

85,450
-

2,104
-

2010
NET ASSETS

SHAREHOLDERS
EQUITY

2011
TOTAL LOANS

TOTAL
NON PERFORMING
SHAREHOLDER
LOANS
FUNDS

TOTAL NONPERFORMING
LOANS AND
ADVANCES

PROFIT BEFORE
INCOME TAX

TOTAL ASSETS

LOANS & ADVANCES

10,297

1,631

3,376,495

264,036

1,785,945

212,777

226,966

11,985,504

6,100,506

26,699
32,332
19,671
172,691

2,945
4,744
2,756
31,465

10,731,958
9,100,165
4,622,017
98,390,298

166,915
391,288
223,209
8,255,564

4,466,042
5,374,130
3,109,065
26,802,616

351,401
506,866
148,136
6,312,142

308,166
836,298
532,947
5,345,672

35,666,342
37,645,962
21,774,721
176,822,000

18,422,946
16,238,615
6,252,898
91,826,606

107,139

10,035

43,947,467

3,127,279

9,811,476

1,313,958

1,402,089

117,355,511

68,162,016

21,859
62,070
63,592
10,479
153,984
4,530

1,715
12,882
7,474
1,477
20,202
948

5,675,132
21,832,994
247,849
28,572,303
3,179,920
56,677,272

236,108
126,080
71,807
1,171,369
725,629
6,275,420

2,258,460
13,987,510

238,320
144,944

408,116
1,956,655

26,031,585
70,660,205

13,975,736
29,321,628

7,852,386
1,606,819
19,667,184

1,793,285
748,475
4,039,096

1,361,011
139,730
3,992,034

66,939,320
13,191,849
164,306,920

35,175,079
7,234,325
95,116,120

10,650

1,489

1,852,293

244,356

935,212

325,684

16,237

5,028,040

2,388,573

58,606
1,874
26,892

8,057
596
5,004

3,797,186
37,419,219
1,048,418

409,643
1,927,242
470,647

1,527,034
8,936,231
623,028

987,734
610,840
312,142

104,807
1,620,856
36,370

12,135,868
67,255,813
2,043,682

5,739,920
45,947,678
1,250,472

10,399
133,890
20,188

906
28,308
3,127

5,029,394
2,770,380
53,802,673

2,133,239
264,036
3,696,422

2,309,314

1,709,061

126,024

28,305,332

11,508,619

29,647,744

3,265,334

5,273,206

156,324,887

90,851,088

8,209
14,112
6,380
10,234
8,031
9,594
8,127
5,426
29,326
19,399

801
1,336
565
1,340
948
1,224
1,118
896
4,270
3,095

6,848,130
3,034,181
9,056,629

389,507
120,152
523,813

3,409,783
3,657,247
3,062,034
2,172,892
2,172,892
8,979,895

241,800
771,965
2,611

3,217,916
888,344
1,256,623
778,415
1,486,312
1,021,407
1,246,389
1,159,029
977,121
3,656,333

1,195,519
320,756
488,139
189,621
165,580
337,127
271,416
86,835
38,681
638,438

288,955
121,643
160,630
14,801
176,524
88,223
22,547
66,122
120,437
1,015,585

21,933,765
8,981,090
14,573,900
7,068,611
11,561,206
8,554,350
10,663,970
9,146,780
6,724,852
24,116,111

11,726,319
4,989,097
6,639,471
3,401,050
5,906,676
5,015,419
6,232,560
2,401,159
1,885,533
14,506,786

62,552

12,980

28,707,610

1,160,955

1,723
223,025
7,670
4,018
60,027
54,776
4,558
4,420
32,444

1,020
40,876
1,158
1,027
9,930
7,896
1,138
785
3,898

103,668,250
5,280,700
1,371,311
10,622,562
29,616,616
1,175,897
1,352,964
9,037,824
2,778,785

10,546,287
1,192,283
41,668
1,927,242
1,129,509
365,358
250,102
529,600
691,982

13,616,110
983,514
39,906,862
1,260,436
1,026,615
9,550,688
8,493,625
1,256,537
860,580
3,932,804

858,450
144,669
11,607,115
825,868
30,288
1,085,419
1,820,326
394,993
361,385
669,232

2,145,996
-39,943
5,418,928
102,904
36,494
1,103,069
1,503,625
155,292
83,281
465,877

71,135,125
1,651,197
244,819,834
8,441,483
4,474,172
66,299,185
62,781,623
4,849,798
4,875,326
37,506,105

44,292,439
309,959
159,539,609
5,735,376
2,480,055
24,497,951
44,515,093
2,719,474
1,918,397
17,157,568

142,880
4,762

20,210
1,541

50,281,116
1,607,751

1,196,255
385,895

17,872,860

739,213

3,463,110

153,447,312

83,690,475

2,363
6,215

889
1,103

807,301
1,198,236

6,506

2,984,317

-82,016
139,776

4,367,623
6,523,644

620,167
3,735,747

124,176
484,666

PROFIT
BEFORE
TAX(
millions)

TOTAL
ASSETS (
millions)

RESERVES AND
TOTAL
SHAREHOLDER NON PERFOMING
LOANS (
S CAPITAL (
LOANS( millions)
millions)
millions)

PROFIT BEFORE
TAX( millions)

TOTAL
ASSETS(
millions)

SHAREHOLDERS
EQUITY( millions)

34
26

3612
3309

324
589

369
532

1640
1506

41
22

3717
4527

352
605

47
94
2983
60
-249
243
77
26
619
-122
370
-14
-1414
-156
68
26
-46
-731
84
175
-1

3806
3019
84118
2410
1697
9773
1524
908
22500
875
14482
3253
27852
4362
8122
2011
1292
5553
4513
5494
686

370
319
10339
354
211
1439
265
319
2295
304
1551
982
1489
185
645
322
89
86
1206
1055
258

467
86
4115
85
1060
180
97
3
198
531
936
775
7764
2137
304
306
761
2196
1357
743
91

1328
716
44520
879
1114
5447
777
390
10042
630
5017
1304
16803
2764
3132
964
945
3119
2922
1892
311

52
116
4215
71

4391
3572
89923
2751

383
383
11401
376

145
92
30
699
2
477
-13
-439
-366
63
38
-39
-518
107
38
10

10569
2474
1038
41850
1008
20374
4368
30786
4242
8803
1881
1255
3725
4269
6232
963

1459
328
334
4015
390
1703
802
1992
-181
723
348
38
-667
1014
1043
296

30

2523

367

505

1344

27

2677

372

15

1960

108

889

1703

-77

2506

31

2
51
121
20
56

1558
5514
7480
4704
5258

218
475
1027
357
606

372
796
1550
864
2284

957
2760
3954
2714
3839

26
52
228
30
56

1517
5846
8386
5272
4850

237
508
1145
375
635

106
79
113
-65
138

3473
3247
3613
2449
8658

92
199
307
1145
787

743
931
2140
1827
4028

113
98
148
-221
101

3946
3514
4370
2905
8848

354
316
525
524
1078

-693
14
111
-1631
451

93518
972
5062
44934
8738

288
261
458
1293
1076
31530
6470
507
661
2156
2210

19750
5
510
26079
1219

43829
438
1631
37181
4781

169
57
80
-323
377

89904
1202
5173
50394
9821

6406
549
677
2457
2326

17
47
0
-439
3119
22
-1582

1716
3181
1997
9078
59846
2578
13300

260
416
311
1017
4554
439
-1160

358
304
606
1814
2694
717
11708

958
1586
1218
4355
18103
1088
12196

12
55
-64
-290
3205
221

1771
3862
3936
8456
67479
2762

268
476
1108
754
4672
640

21
81356

3652
514180

455
81356

662
101309

2001
264467

20
8941

3275
555390

465
54035

NON PERFORMING
LOANS( millions)

TOTAL
LOANS(
millions)

PROFIT BEFORE
TAX( millions)

TOTAL
ASSETS(
millions)

SHAREHOLDERS
EQUITY( millions)

NON PERFORMING
LOANS( millions)

TOTAL
LOANS(
millions)

213
543

1340
2452

44
19

4065
5158

382
620

152
891

1644
3277

270
57
5951
24

1260
851
47615
938

41
63
2518
52

5604
5122
105378
3062

415
774
9989
396

258
82
7925
13

1533
1081
52829
787

225
87
1
296
386
544
745
5924
1726
255
121
480
1920
951
339
69

5398
720
476
12388
569
4586
1061
16667
2530
2526
684
669
2518
2131
1916
325

187
105
47
1159
15
351
77
102
45
31
-1
-277
39
107
-28
65

12674
2511
1401
36108
933
19617
4160
41810
6532
2133
1318
4222
3463
6942
980
2965

1507
401
366
4067
396
1568
624
1794
752
370
28
824
809
1051
306
416

354
128
1
348
265
525
711
8778
172
139
450
1991
708
161
92
149

6312
1027
684
11554
484
4975
1487
22596
2136
693
651
2173
1791
2780
510
1080

178

917

-1071

3820

-980

1633

2646

930

1543

22

1454

248

228

776

298
514
913
851
1466

816
2893
3347
2925
2716

73
191
33
64
82

6622
8138
5239
5205
4345

554
1199
397
663
375

442
841
741
1202
56

2776
3289
2773
2449
740

42
107
235
583
461

732
792
2563
1466
3695

110
187
-98
109
-3199

3561
5285
2011
9416
92382

373
617
355
1093
4316

73
235
567
583
20175

819
2812
1344
3519
36175

19989
6
300
14582
923

39569
740
1528
26119
4702

86
60
390
340
9

1736
5021
53618
10826
1715

609
687
1917
2498
280

18
406
14897
947
361

1185
1313
28593
5381
816

283
98
657
793
1601
341

783
1618
1511
3400
15106
991

71
14
35
3217
122
22

4767
3517
9704
74495
3075
3738

543
433
649
4667
715
479

194
516
316
1399
418
258

2032
1669
2919
17048
1039
1414

274
67552

1565
231657

5630

595848

50542

70799

245611

PRE TAX
PROFIT(
millions)

TOTAL
ASSETS(
millions)

SHARE
HOLDERS
EQUITY(
millions)

NON PERFORMING
LOANS (NPLS)(
millions)

TOTAL LOANS(
millions)

TOTAL
ASSETS(
millions)

PROFIT BEFORE
TAX( millions)

66
-754

3833
4176

426
689

144
1011

1795
2723

114
-62

4321
5009

143
176
4764

8044
5829
97001

823
885
11022

298
120
8844

1886
1452
60039

274
123
5413

8654
6342
115800

254
107
59
826
11
544
12
183

13811
2632
1710
33769
650
18341
2442
32518

1601
475
471
4172
406
1648
636
2130

422
143
2
466
126
503
846
8195

8047
1568
937
8795
347
4625
1589
23250

354
43
-92
356
11
416
-71
354

18474
3773
2128
26043
624
21394
4579
62088

1
47
-119
-230
126
180
9

4809
2145
404
2211
2693
8571
783

740
404
-274
650
901
1175
355

30
162
513
1286
407
128
97

3343
912
576
1675
1108
5015
510

47
-3
94
193
31
103
218

2708
1060
2780
11691
1146
3023
7161

96

2941

460

119

1537

1776

18
105
150
33
52

1235
5851
6660
4257
4066

260
629
1243
420
681

205
397
626
743
946

833
2869
3283
2981
2776

-51
214
14
119
56

6564
9630
5166
4851
4596

77
95
254
-85
285

4030
3569
4921
1486
12130

409
406
742
274
1596

52
33
241
543
448

725
890
3109
1280
5498

92
268
-90
372
1076

3453
6286
1844
15664
81797

856
120
79
492
359

58067
2174
3455
25977
11142

4681
689
711
2154
2576

15620
97
326
16432
759

33418
1561
1512
31106
7447

110
36
743
373
-369

2851
4366
59727
17549
2874

11
82
49
-151
4011
121

1209
5232
3264
9974
64241
1439

284
604
463
945
6368
867

299
216
660
200
1345
217

873
2065
1968
4110
19328
838

12
103
61
154
2691
1035

2048
6006
4453
11959
70310
2832

31
13545

3336
487028

492
57289

182
64449

1746
261945

45
14982

3750
639150

NON PERFORMING
LOANS (' 000) in
thousands

SHAREHOLDERS
EQUITY( millions)

504
-10
969
959
12485

1702
503
-17
3510
3
1812
-13
3299
419
1
934
1223
373
508
1271

TOTAL LOANS ('


PROFIT BEFORE
000) in
TAX( millions)
thousands

2130829
2714538
2797686
69768719

130467
1042648
234485
9081239

11199634
1983136
1293593
9814650
333574
5648091
1579270
33023932

413
876
-49
1721
7978

6099

586

8
238
124
5402

7898
10150
8177
129237

652
1069
858
13177

393952
534023
118277
386237
115139
485196
780662
8663321

418
122
61
1285
-47
614
-13
706

27171
5510
2948
37019
691
36463
5069
71532

2718
581
562
5355
370
2331
699
4057

1396296
552233

166572
500893

90

3386

464

770357

263213

616771

187332

166
364
29
7

3288
18749
1954
10658

1050
1416
386
1287

1396296

166572

109
501

4286
12341

579
1594

1195961
3086639
5306264
3273717
3222462

196257
548473
577183
774013
910632

16
95

1938
8589

270
847

-6
56

6082
5679

431
757

147
21
305

5351
3250
9896

543
428
1122

489

24515

2057

104487
3952
5596
65211
23349
2624
2485
8938
5030
17573
104274
2654

9969
790
794
3223
2722
723
301
722
519
2032
9508
1048

4836
818935

562
79159

4198043
1226232
8468385

373296
453724
766030

42348284

15777723

1702419

399801

292
670
504
1771
5419
1009

11854340
1354982
890197
2782770
2158701
7077673
26960203
1044065

589512
1127826
433384
394462
651574
100410
1631842
217794

1909
48
115
859
403
-86
16
125
31
440
3500
59

507
61103

1926490
277097432

50631
49224795

124
18972

757
713
2625
2644
-95

SHAREHOLDERS
EQUITY( millions)

123

-6
1325
431
715
448

TOTAL ASSETS(
millions)

NON
PERFORMING
LOANS (' 000) in
thousands

TOTAL LOANS ('


000) in thousands

PROFIT BEFORE
TAX( millions)

TOTAL
ASSETS
(GROSS)(
millions)

SHAREHOLDERS
EQUITY( millions)

NON PERFORMING (' 000) in


thousands

145262

2707287

140

6591

677

184481

29324
248554
80544
11877000

3060483
3480423
2386838
70267827

61
373
278
6624

8515
12809
9538
149039

978
1263
1023
14862

141183
415651
259205
6582012

748003
308263
89697
353522
257361
916520
801787
9742231

11891086
2545807
1707330
10109317
354864
11918284
1709721
36507720

679
124
111
1530
-17
1311
16
1233

31869
4501
4800
44831
731
45002
4100
77227

2990
670
636
6256
354
3631
722
4810

2965625

262839

1748942

90

2610

510

212913

232872
85707
229091
1548863

1197489
10586064
889900
4325822

127
685
20
47

3800
26153
1690
10600

1068
2609
397
1571

374664
269203
445194

121125
519377

1913264
5743428

94
1100

4145
22391

617
2201

141320
485270

1100325
3726242

26
147

2600
8531

287
972

676576
903868

3489031
3326548

59
48

5700
5712

495
788

47856
85637
337847

1169065
697293
4452396

165
6
387

5900
3900
12400

650
446
1353

404900
118214
467244
0
294717
999252
0
119355
43001
445874

684629

11323697

936

30054

2795

1743793

10005038
110276
240603
17146219
705865
998749
287412
401955
694271
124128
1679449
365160

39593341
2467835
1644325
38140284
14748356
1139760
1006384
3524859
2098363
8836144
34710772
1388948

3035
152
100
934
675
-65
31
191
32
917
3798
46

115592
5350
5159
70125
29240
2124
3000
12417
5404
31246
114162
2820

11481
898
842
3848
3035
673
426
1318
533
2738
10039
1122

7970359
1086772
242540
1970322
1031988
453498
234075
676296
708673

31339
64751409

1963113
365598977

128
26374

4698
947076

581
93165

10191

284352
128630
54670
1098163
694551
6605429

2889815
183826
2227687

1066807
397757

46502882

TOTAL LOANS ('


000) in thousands

PROFIT
BEFORETAX (
millions)

GROSS
ASSETS(
millions)

NON PERFORMING
SHAREHOLDERS
LOANS (' 000) in
EQUITY( millions)
thousands

TOTAL LOANS ('


000) in thousands

3549896

185

6700

812

184481

3549896

6856438
8937671
4448355
108085974

158
497
474
7079

8093
15245
10610
167475

1263
1532
1312
17564

141183
415651
259205
6582012

6856438
8937671
4448355
44204538

44204538

921

29467

3339

2965625

18153603

5139219
18153603
192536
26308845
2750737
53293245

180
1782
28
1402
26
2288

5999
48533
920
40178
5392
75278

696
7330
326
4518
748
6807

284352
128630
54670
1098163
694551
6605429

5139219
18153603
192536
18153603
2750737
26308845

1809656

131

3582

562

212913

1809656

3438979
25460278
957275

157
869
14
117

4999
31130
2214
11210

1144
4670
403
1688

374664
269203
445194

3438979
25460278
957275

73
2364

5116
54640

670
14917

2889815
183826
2227687

5125851
2306663
40857796

5889836
2786845
6189638
868259
3410818
3552655
1932165
2077109
988273
8276121

268
49
115

9123
3446
8633

1277
319
1054

41
25

5970
6494

528
805

204
107
564

6440
4022
12386

742
522
1580

404900
118214
467244
0
294717
999252
0
119355
43001
445874

5889836
2786845
6189638
868259
3410818
3552655
1932165
2077109
988273
8276121

25886893

1294

30389

3867

1743793

25886893

79343099
5934644
1651305
8950145
29954948
957908
1268045
9425710
2654508

3863
190
94
1610
1048
209
43
317
41
1194
4897
81

124527
7303
3333
52098
32673
2367
3371
14374
6354
35086
92966
3664

12846
1018
879
4967
4735
819
456
1926
560
3357
10816
1103

7970359
1086772
242540
1970322
1031988
453498
234075
676296
708673

65343099
5934644
1651305
8950145
29954948
957908
1268045
9425710
2654508

1066807
397757

43298819
1440702

151
35150

4196
995996

657
125134

10191
46502882

2778208
472322195

5125851
2306663
40857796

43298819
1440702

2778208
611394208

PROFIT BEFORE
TAX( millions)

GROSS ASSETS(
millions)

NON
SHAREHOLDERS
PERFORMING
EQUITY( millions) LOANS (' 000) in
thousands

TOTAL LOANS ('


PROFIT BEFORE
000) in
TAX( millions)
thousands

NET ASSETS(
millions)

224

6826

968

184481

3549896

257

9118

93
633
609
8016

12823
18787
12143
172113

1662
1910
1690
20463

141183
415651
259205
6582012

6856438
8937671
4448355
44204538

260
726
609
9002

16978
22399
15586
169788

7118

2965625

18153603

98401
0
13169
51581
519
58904
7565
114234

1313
247
3353
-3
1694
85
3337

10477
47839
587
51248
5543
91022

845
9190
323
4949
846
13933

284352
128630
54670
1098163
694551
6605429

5139219
18153603
192536
18153603
2750737
26308845

1333
0
318
3055
-7
1768
117
3727

79

3803

666

212913

1809656

83

3840

171
1305
7
67

6634
42073
2167
12589

1229
5334
411
1743

374664
269203
445194

3438979
25460278
957275

188
1634
9

8289
47509
2147

-8
4757

4477
78001

676
19660

2889815
183826
2227687

5125851
2306663
40857796

-1151
77
5570

16134
4528
98434

531
73
82

10713
4397
10201

1557
424
1171

-307
126

3189
6154

775
608

44
-382
242

6284
5000
6622

835
1273
774

404900
118214
467244
0
294717
999252
0
119355
43001
445874

5889836
2786845
6189638
868259
3410818
3552655
1932165
2077109
988273
8276121

343
52
23
-152
185
61
-162
286
197
802

13683
5539
12836
4457
7026
7316
7750
7438
4729
15755

146

4561

620

1743793

25886893

1752

44486

1620
673
5394
-472
30
1797
1474
68
51
460
6
4709

37022
13780
181974
8431
3448
44588
43609
2774
3552
20455
5463
100392

5188
1912
20058
1129
877
6208
5529
944
492
3075
483
11390

7970359
1086772
242540
1970322
1031988
453498
234075
676296
708673

65343099
5934644
1651305
8950145
29954948
957908
1268045
9425710
2654508

6426
-289
44
2159
1529
33
42
564
-730

180041
7685
3177
52327
46326
3421
3418
24173
4964

1066807
397757

43298819
1440702

6726
88

124806
3705

121
42465

3710
1190921

1235
160173

-213
216
47557

1216
5130
1350527

85450
-

10191
46502882

2778208
472322195

SHAREHOLD NON-PERFORMING
TOTAL LOANS ('
ERS EQUITY( LOANS (' 000) in
000) in thousands
millions)
thousands

PROFIT
BEFORE
TAX(
millions)

1145

184481

3549896

2511
2565
2069
24210

141183
415651
259205
6582012

6856438
8937671
4448355
108085974

8143
0
1223
11077
315
6323
927
16103

2965625

44204538

284352
128630
54670
1098163
694551
6605429

5139219
18153603
192536
26308845
2750737
53293245

535
2879
2695
258
5559
34

728

212913

1809656

1363
6263
463

374664
269203
445194

2148
730
23337

NET ASSETS(
millions)

SHAREHOLDERS
EQUITY( millions)

NON PERFORMING
LOANS (' 000) in
thousands

480

10297

1631

264036

484
1828
991
10775

26699
32332
19671
172691

2945
4744
2756
31465

166915
391288
223209
8255564

10035

3127279

21859
62070
63592
10479
153984
4530

1715
12882
7474
1477
20202
948

236108
126080
71807
1171369
725629
6275420

236

10650

1489

244356

3438979
25460278
957275

2872
3
188

58606
1874
26892

8057
596
5004

409643
1927242
470647

2889815
183826
2227687

5125851
2306663
40857796

-34
9312
501

10399
133890
20188

906
28308
3127

2133239
264036
3696422

1853
490
1198
663
857
873
1150
958
747
2247

404900
118214
467244
0
294717
999252
0
119355
43001
445874

5889836
2786845
6189638
868259
3410818
3552655
1932165
2077109
988273
8276121

377
151
-160
634
112
47
248
235
560
1248

8209
14112
6380
10234
8031
9594
8127
5426
29326
19399

801
1336
565
1340
948
1224
1118
896
4270
3095

389507
120152
523813

7419

1743793

25886893

3004

62552

12980

1160955

22398
1107
904
7908
6434
982
527
3065
-5

7970359
1086772
242540
1970322
1031988
453498
234075
676296
708673

79343099
5934644
1651305
8950145
29954948
957908
1268045
9425710
2654508

-84
11538
111
206
2698
2416
183
281
770

1723
223025
7670
4018
60027
54776
4558
4420
32444

1020
40876
1158
1027
9930
7896
1138
785
3898

10546287
1192283
41668
1927242
1129509
365358
250102
529600
691982

13807
1325

1066807
397757

43298819
1440702

7668
159

142880
4762

20210
1541

1196255
385895

-138
311
74275

2363
6215
1678113

889
1103
265805

996
935
190481

2104
-

10191
46502882

2778208
611394208

107139
-

241800
771965
2611
124176
484666

52256115

TOTAL LOANS ('


000) in thousands

TOTAL
PROFIT BEFORE
TOTAL ASSETS (' SHAREHOLDER
INCOME TAX ('
000) in thousands FUNDS (' 000) in
000) in thousands
thousands

TOTAL NONPERFORMING
LOANS AND
ADVANCES (' 000)
in thousands

LOANS & ADVANCES (' 000)


in thousands

3376495

226966

11985504

1785945

212777

6100506

10731958
9100165
4622017
98390298

308166
836298
532947
5345672

35666342
37645962
21774721
176822000

4466042
5374130
3109065
26802616

351401
506866
148136
6312142

18422946
16238615
6252898
91826606

43947467

1402089

117355511

9811476

1313958

68162016

5675132
21832994
247849
28572303
3179920
56677272

408116
1956655

26031585
70660205

2258460
13987510

238320
144944

13975736
29321628

1361011
139730
3992034

66939320
13191849
164306920

7852386
1606819
19667184

1793285
748475
4039096

35175079
7234325
95116120

16237

5028040

935212

325684

2388573

3797186
37419219
1048418

104807
1620856
36370

12135868
67255813
2043682

1527034
8936231
623028

987734
610840
312142

5739920
45947678
1250472

5029394
2770380
53802673

126024

28305332

2309314

1709061

11508619

5273206

156324887

29647744

3265334

90851088

288955
121643
160630
14801
176524
88223
22547
66122
120437
1015585

21933765
8981090
14573900
7068611
11561206
8554350
10663970
9146780
6724852
24116111

3217916
888344
1256623
778415
1486312
1021407
1246389
1159029
977121
3656333

1195519
320756
488139
189621
165580
337127
271416
86835
38681
638438

11726319
4989097
6639471
3401050
5906676
5015419
6232560
2401159
1885533
14506786

2145996
-39943
5418928
102904
36494
1103069
1503625
155292
83281
465877

71135125
1651197
244819834
8441483
4474172
66299185
62781623
4849798
4875326
37506105

13616110
983514
39906862
1260436
1026615
9550688
8493625
1256537
860580
3932804

858450
144669
11607115
825868
30288
1085419
1820326
394993
361385
669232

44292439
309959
159539609
5735376
2480055
24497951
44515093
2719474
1918397
17157568

3463110

153447312

17872860

739213

83690475

1852293

6848130
3034181
9056629
3409783
3657247
3062034
2172892
2172892
8979895
28707610
103668250
5280700
1371311
10622562
29616616
1175897
1352964
9037824
2778785
50281116
1607751

2984317
682952819

-82016
139776
40259044

4367623
6523644
1807970603

807301
1198236
257154253

6506
45295771

620167
3735747
999429205

TOTAL LOANS
264467000

2000

TOTAL LOANS (' 000) in thousands

231657000

2001

TOTAL LOANS (' 000) in thousands

245611000

2002

TOTAL LOANS (' 000) in thousands

261945000

2003

TOTAL LOANS (' 000) in thousands

492247950

2004

TOTAL LOANS (' 000) in thousands

365598977

2005

TOTAL LOANS (' 000) in thousands

611394208

2006

TOTAL LOANS (' 000) in thousands

472322195

2007

TOTAL LOANS (' 000) in thousands

472322195

2008

TOTAL LOANS (' 000) in thousands

611394208

2009

TOTAL LOANS (' 000) in thousands

682952819

2010

LOANS & ADVANCES (' 000) in thousands

800000000
700000000
Total Loans (000)

TOTAL LOANS (' 000) in thousands

600000000
500000000
400000000
300000000
200000000
100000000
0
2000

2001

Total Loans

Total Loans
2 per. Mov. Avg. (Total Loans)

2001

2002

2003

2004

2005

2006

Years

2007

2008

2009

2010

2 per. Mov. Avg. (Total Loans)

PROFITS
PROFIT BEFORE TAX( millions)

8136
8941
5630
13545
14982
18972
26374
35150
42465
47557
74275

PROFIT BEFORE TAX( millions)


PROFIT BEFORE TAX( millions)
PRE TAX PROFIT( millions)
PROFIT BEFORE TAX( millions)
PROFIT BEFORE TAX( millions)
PROFIT BEFORE TAX( millions)
PROFIT BEFORETAX ( millions)

Pre Tax Profit(Millions)

80000
70000
PROFIT BEFORE TAX( millions)
60000
PROFIT BEFORE TAX( millions)
50000
PROFIT BEFORE INCOME TAX (' 000) in thousands40000
30000
20000
10000
0
PROFIT BEFORE TAX( millions)

2000

2001

2002

2003

2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010

2004

Pre Tax Profit

2005
Years

Pre Tax Profit

Profit
2 per. Mov. Avg. (Profit)

2006
Years

2007

2008

2009

2010

TOTAL ASSETS ( millions)


TOTAL ASSETS( millions)
TOTAL ASSETS( millions)
TOTAL ASSETS( millions)
TOTAL ASSETS( millions)
TOTAL ASSETS (GROSS)( millions)
GROSS ASSETS( millions)
GROSS ASSETS( millions)
NET ASSETS( millions)
NET ASSETS( millions)
TOTAL ASSETS (' 000) in thousands

Total Assest(Millions)

TOTAL ASSETS( millions)

1800000
1600000
1400000
1200000
1000000
800000
600000
400000
200000
0

TOTAL ASSETS
514180
555390
595848
487028
639150
818935
947076
995996
1190921
1350527
1678113
2000

2001

2002

2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2003

Total Assets

2004

2005

2006

Years

2007

Total Assets

Total Assets
2 per. Mov. Avg. (Total Assets)

2007

2008

2009

2010

NON PERFORMING
101309000
67552000
70799000
64449000
27709743
64751409
46502882
46502882
46502882
46502882
52256115

NON PERFORMING LOANS (' 000) in thousands


NON PERFORMING LOANS (' 000) in thousands
NON PERFORMING LOANS (' 000) in thousands
NON PERFORMING LOANS (' 000) in thousands
NON PERFORMING LOANS (' 000) in thousands
NON PERFORMING (' 000) in thousands
NON PERFORMING LOANS (' 000) in thousands
NON PERFORMING LOANS (' 000) in thousands
NON-PERFORMING LOANS (' 000) in thousands
NON PERFORMING LOANS (' 000) in thousands

Non Performing Loans(Millions)

NON PERFORMING LOANS (' 000) in thousands

120000000
100000000
80000000
60000000

2000
2001
2002
2003
Non
2004
2005
2006
2007
2008
2009
2010

TOTAL NON-PERFORMING LOANS AND ADVANCES (' 000) in thousands


40000000

20000000
0
2000

2001

2002

2003

2004

Non-Performing Loans

Non Perfoming Loans

2 per. Mov. Avg. (Non


Perfoming Loans)
2005

2006

Years

2007

2008

2009

2010

2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010

SHARE HOLDER EQUITY (Millions)


SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)
SHARE HOLDER EQUITY (Millions)

Shareholders Equity (Millions)

SHAREHOLDERS EQUITY
81356
54035
50542
57289
61103
79159
93165
125134
160173
190481
265805

300000
250000
200000
150000
100000
50000
0
2000

2001

Shareholders Equity

Shareholders Equity
2 per. Mov. Avg. (Shareholders Equity)

2001

2002

2003

2004

2005

2006

Years

2007

2008

2009

2010

. Avg. (Shareholders Equity)

TOTAL LOANS

PROFITS

TOTAL ASSETS

NON PERFORMING

SHAREHOLDERS EQUITY

264,467,000

8,136

514,180

101,309,000

81,356

231,657,000

8,941

555,390

67,552,000

54,035

245,611,000

5,630

595,848

70,799,000

50,542

261,945,000

13,545

487,028

64,449,000

57,289

492,247,950

14,982

639,150

27,709,743

61,103

365,598,977

18,972

818,935

64,751,409

79,159

611,394,208

26,374

947,076

46,502,882

93,165

472,322,195

35,150

995,996

46,502,882

125,134

472,322,195

42,465

1,190,921

46,502,882

160,173

611,394,208

47,557

1,350,527

46,502,882

190,481

682,952,819

74,275

1,678,113

52,256,115

265,805

999,429,205

40,259

1,807,971

45,295,771

257,154

Returnofassets
0.016
0.016
0.009
0.028
0.023
0.023
0.028
0.035
0.036
0.035
0.044

Amountofcredit
514.347
417.107
412.204
537.844
770.160
446.432
645.560
474.221
396.602
452.708
406.977

LevelofNPLS
0.383
0.292
0.288
0.246
0.056
0.177
0.076
0.098
0.098
0.076
0.077

0.050
0.045 y = 0.0001x2 +
0.0016x +
0.040
0.0123
0.035
0.030
0.025
0.020
0.015
0.010
0.005
0.000

900.000
800.000

700.000
Return on
Assets
Poly.
(Return on
Assets)

Amount of credit

Rate of Return

Return on Assets

600.000
500.000
400.000
300.000
200.000

100.000
0.000

Years

0.450
0.400 y
0.350
0.300 =
0.250
0
0.200 .
0.150 0
0.100 0
0.050 4
3
0.000
2000
Years

Leve
l of
NPL

Poly
.
(Lev
el of
NPL)

Manageme
nt of
Capital
Management of Capital

Level of Non-Performing Loans

Level of Non
Performing
Loans

14.000
12.000
10.000
8.000
6.000
4.000
2.000
0.000

M
an
ag
e
m
en
t
of
Ca
pit
al

y
=
0
2
0
0
0
Years

2000
Years

Years

Managementofcapital Managementofcapital33
6.320
0.158
10.278
0.097
11.789
0.085
8.501
0.118
10.460
0.096
10.345
0.097
10.166
0.098
7.959
0.126
7.435
0.134
7.090
0.141
6.313
0.158

Year
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010

Amount of Credit
900.000
800.000

700.000
600.000
500.000
400.000
y = -5.8837x2 + 64.304x + 382.48

300.000
200.000

100.000
0.000
2000

2001

2002

2003

2004

2005

2006

Years

2007

2008

2009

2010

Amount of Credit
Poly. (Amount of Credit)

PROFIT

TOTAL ASSETS

NON
PERFOMING
LOANS

CAPITAL

TOTAL LOANS

34

3612

324

369

1640

26

3309

589

532

1506

47

3806

370

467

1328

94

3019

319

86

716

2983

84118

10339

4115

44520

60

2410

354

85

879

-249

1697

211

1060

1114

243

9773

1439

180

5447

77

1524

265

97

777

26

908

319

390

619

22500

2295

198

10042

-122

875

304

531

630

370

14482

1551

936

5017

-14

3253

982

775

1304

-1414

27852

1489

7764

16803

-156

4362

185

2137

2764

68

8122

645

304

3132

26

2011

322

306

964

-46

1292

89

761

945

-731

5553

86

2196

3119

84

4513

1206

1357

2922

175

5494

1055

743

1892

-1

686

258

91

311

30

2523

367

505

1344

15

1960

108

889

1703

1558

218

372

957

51

5514

475

796

2760

121

7480

1027

1550

3954

20

4704

357

864

2714

56

5258

606

2284

3839

106

3473

288

92

743

79

3247

261

199

931

113

3613

458

307

2140

-65

2449

1293

1145

1827

138

8658

1076

787

4028

31530
-693

93518

6470

19750

43829

14

972

507

438

111

5062

661

510

1631

-1631

44934

2156

26079

37181

451

8738

2210

1219

4781

17

1716

260

358

958

47

3181

416

304

1586

1997

311

606

1218

-439

9078

1017

1814

4355

3119

59846

4554

2694

18103

22

2578

439

717

1088

-1582

13300

-1160

11708

12196

21

3652

455

662

2001

41

3717

352

213

1340

22

4527

605

543

2452

52

4391

383

270

1260

116

3572

383

57

851

4215

89923

11401

5951

47615

71

2751

376

24

938

145

10569

1459

225

5398

92

2474

328

87

720

30

1038

334

476

699

41850

4015

296

12388

1008

390

386

569

477

20374

1703

544

4586

-13

4368

802

745

1061

-439

30786

1992

5924

16667

-366

4242

-181

1726

2530

63

8803

723

255

2526

38

1881

348

121

684

-39

1255

38

480

669

-518

3725

-667

1920

2518

107

4269

1014

951

2131

38

6232

1043

339

1916

10

963

296

69

325

27

2677

372

178

917

-77

2506

31

930

1543

26

1517

237

298

816

52

5846

508

514

2893

228

8386

1145

913

3347

30

5272

375

851

2925

56

4850

635

1466

2716

113

3946

354

42

732

98

3514

316

107

792

148

4370

525

235

2563

-221

2905

524

583

1466

101

8848

1078

461

3695

169

89904

6406

19989

39569

57

1202

549

740

80

5173

677

300

1528

-323

50394

2457

14582

26119

377

9821

2326

923

4702

12

1771

268

283

783

55

3862

476

98

1618

-64

3936

1108

657

1511

-290

8456

754

793

3400

3205

67479

4672

1601

15106

221

2762

640

341

991

20

3275

465

274

1565

44

4065

382

152

1644

19

5158

620

891

3277

41

5604

415

258

1533

63

5122

774

82

1081

2518

105378

9989

7925

52829

52

3062

396

13

787

187

12674

1507

354

6312

105

2511

401

128

1027

47

1401

366

684

1159

36108

4067

348

11554

15

933

396

265

484

351

19617

1568

525

4975

77

4160

624

711

1487

102

41810

1794

8778

22596

45

6532

752

172

2136

31

2133

370

139

693

-1

1318

28

450

651

-277

4222

824

1991

2173

39

3463

809

708

1791

107

6942

1051

161

2780

-28

980

306

92

510

65

2965

416

149

1080

-1071

3820

-980

1633

2646

22

1454

248

228

776

73

6622

554

442

2776

191

8138

1199

841

3289

33

5239

397

741

2773

64

5205

663

1202

2449

82

4345

375

56

740

110

3561

373

73

819

187

5285

617

235

2812

-98

2011

355

567

1344

109

9416

1093

583

3519

-3199

92382

4316

20175

36175

86

1736

609

18

1185

60

5021

687

406

1313

390

53618

1917

14897

28593

340

10826

2498

947

5381

1715

280

361

816

71

4767

543

194

2032

14

3517

433

516

1669

35

9704

649

316

2919

3217

74495

4667

1399

17048

122

3075

715

418

1039

22

3738

479

258

1414

66

3833

426

144

1795

-754

4176

689

1011

2723

143

8044

823

298

1886

176

5829

885

120

1452

4764

97001

11022

8844

60039

254

13811

1601

422

8047

107

2632

475

143

1568

59

1710

471

937

826

33769

4172

466

8795

11

650

406

126

347

544

18341

1648

503

4625

12

2442

636

846

1589

183

32518

2130

8195

23250

4809

740

30

3343

47

2145

404

162

912

-119

404

-274

513

576

-230

2211

650

1286

1675

126

2693

901

407

1108

180

8571

1175

128

5015

783

355

97

510

96

2941

460

119

1537

18

1235

260

205

833

105

5851

629

397

2869

150

6660

1243

626

3283

33

4257

420

743

2981

52

4066

681

946

2776

77

4030

409

52

725

95

3569

406

33

890

254

4921

742

241

3109

-85

1486

274

543

1280

285

12130

1596

448

5498

856

58067

4681

15620

33418

120

2174

689

97

1561

79

3455

711

326

1512

492

25977

2154

16432

31106

359

11142

2576

759

7447

11

1209

284

299

873

82

5232

604

216

2065

49

3264

463

660

1968

-151

9974

945

200

4110

4011

64241

6368

1345

19328

121

1439

867

217

838

31

3336

492

182

1746

114

4321

504

2130829

130467

-62

5009

-10

2714538

1042648

2797686

234485

69768719

9081239

274

8654

969

123

6342

959

5413

115800

12485

354

18474

1702

11199634

393952

43

3773

503

1983136

534023

-92

2128

-17

1293593

118277

356

26043

3510

9814650

386237

11

624

333574

115139

416

21394

1812

5648091

485196

-71

4579

-13

1579270

780662

354

62088

3299

33023932

8663321

47

2708

419

-3

1060

1396296

166572

94

2780

934

552233

500893

193

11691

1223
770357

263213

616771

187332

1396296

166572

31

1146

373

103

3023

508

218

7161

1271

1776

-51

6564

-6

1195961

196257

214

9630

1325

3086639

548473

14

5166

431

5306264

577183

119

4851

715

3273717

774013

56

4596

448

3222462

910632

92

3453

413

268

6286

876

-90

1844

-49

4198043

373296

372

15664

1721

1226232

453724

1076

81797

7978

8468385

766030

110

2851

757

42348284

15777723

36

4366

713

743

59727

2625

1702419

399801

373

17549

2644

-369

2874

-95

11854340

589512

1354982

1127826

12

2048

292

890197

433384

103

6006

670

2782770

394462

61

4453

504

2158701

651574

154

11959

1771

7077673

100410

2691

70310

5419

26960203

1631842

1035

2832

1009

1044065

217794

45

3750

507

1926490

50631

123

6099

586

145262

2707287

7898

652

29324

3060483

238

10150

1069

248554

3480423

124

8177

858

80544

2386838

5402

129237

13177

11877000

70267827

418

27171

2718

748003

11891086

122

5510

581

308263

2545807

61

2948

562

89697

1707330

1285

37019

5355

353522

10109317

-47

691

370

257361

354864

614

36463

2331

916520

11918284

-13

5069

699

801787

1709721

706

71532

4057

9742231

36507720

90

3386

464

262839

1748942

166

3288

1050

232872

1197489

364

18749

1416

85707

10586064

29

1954

386

229091

889900

10658

1287

1548863

4325822

109

4286

579

121125

1913264

501

12341

1594

519377

5743428

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