2019 2018

total or 8,278,684,469 7,390,246,811

net profit after tax 2,772,040,725 2,368,947,434
pretax oi 4,932,086,312 4,907,759,273
total asset 446,760,121,547 402,749,098,793
total shareholder's equity 32,783,019,810 29,900,251,891
earning per share (restated) 2.39 2.04
eps (basic) 2.39 2.40
price earning ratio (times) 5.56 8.61
book value/ share price per share 13.30 17.60
total risk weighted assets 314,868.22 332,831.86
tire 1 capital 27,254.27 25,012.30
tire 2 capital 18,981.88 17,938.31
Total Liabilities 413,977,101,737 372,848,846,902
cash 26,403,416,203 22,790,705,537
curent liabilities 2,529,349,463 1,524,824,518
current asset 4,480,094,498 3,466,682,775
cs 1,054,130,654 1,054,130,654
interest expense 20,150,935,922 16,024,496,884
total provision 3,346,598,157 2,482,487,538
total operating expense 12,430,206,957 10,902,268,512
total operating income 20,708,891,426 18,292,515,323
net interest income 10,797,809,142 9,242,435,760
investment income 4,853,217,348 4,430,705,298
non inerest income 22-24 10,797.81 9,242.44
12,430.21 12,430.21 12,430.21
tme 0.562042216952995 0.482694301457031
ece 0.595757252310856 0.664085976897964
ame 0.018530491128737 0.018349505518815
fme 13.6277903663628 13.4697560495879
roe 0.08455721105212 0.079228343715494

liquidity ratio 1.77 2.27

cash ratio 10.44 14.95

roa 0.01 0.01

em 13.6277903663628 13.4697560495879
roe 0.08455721105212 0.079228343715494

net working capital 1950745035.00 1941858257.00

car 14.68% 12.90%

profitability ratios:
eps
roa
roe
net interest margin 0.024169142726102 0.022948371052098
net non interest margirn 0 0
net bank operating margin 0.018530491128737 0.018349505518815

market value ratio:

book value per share ratio 31 28
eps 2.62969368595935 2.24729963502228
price earning ratio 5.05762327795527 7.8316214383337

financial liverage ratio:

debt to asset ratio 0.926620532520938 0.925759605718279
debt to equity ratio 12.6277903663628 12.4697560495879
interest coverage ratio 0.410833744945894 0.461184327002425
debt to capital ratio 0.926620532520938 0.925759605718279
asset to equity ratio 13.6277903663628 13.4697560495879

effeciency ratio 0.715931171327112 0.689579339154843

 2017
7,951,408,495
2,433,908,495
5,461,408,495
363,314,800,137
26,510,257,804
2.31
2.31
10.22
23.60
305,850.28
23,595.90
13,323.94
336,804,542,333
23,914,511,782
1,700,520,008
3,440,490,404
1,054,130,654
12,087,387,278 12,430.21
2,490,000,000 10,902
9,430,859,996 9,430.86
17,382,268,491
8,946,769,359
4,097,003,932
8,946.77
12,430.21 12,430.21 12,430.21 12,430.21 12,430.21
0.445655822527884
0.686847933725734
0.021885726901303
13.7046875523851
0.09181006510743

2
14.06

0.006699172436912
13.7046875523851
0.09181006510743

1739970396.00
12.07%
0.024625391962085
0
0.021885726901303

25
2.30892488114666
10.2212073648233

0.927032265699048
12.7046875523851
0.657826899405481
0.927032265699048
13.7046875523851

0.63327222455729
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