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KEY FIGURES

Balance Sheet as at	30/09/2012		30/06/2012		31/03/2012		31/12/2011
	Unaudited		Unaudited		Unaudited		Audited

Assets

Cash and bank balances at central banks	406,324,329	534,380,751	385,967,728	296,471,902
Due from banks	1,887,021,761	1,697,998,847	1,207,304,355	992,082,842
Loans and advances to customers	1,163,149,400	1,137,840,327	1,124,537,337	1,319,752,098
Interest-bearing securities	222,478,112	233,233,891	198,996,361	192,172,181
Participating interests	56,174	59,034	59,034	59,034
Property and equipment	10,204,252	8,141,014	6,642,622	5,139,238
Prepayments and accrued income	27,341,248	30,850,162	25,755,137	32,521,217
Other assets	30,344,634	3,726,977	19,268,511	2,560,852

Total assets	3,746,919,910	3,646,231,003	2,968,531,085	2,840,759,364

Liabilities

Due to banks	157,461,140	125,997,866	129,314,725	110,484,958
Funds entrusted	3,163,641,252	3,088,054,002	2,438,950,219	2,305,958,081
Accruals and deferred income	45,080,713	37,313,022	31,522,977	26,812,660
Other liabilities	4,000,777	23,771,226	2,971,171	37,722,394
Fund for general banking risks	1,591,603	1,591,603	1,591,603	1,591,603
Subordinated loan	90,000,000	90,000,000	90,000,000	90,000,000
Shareholder's equity	285,144,424	279,503,284	274,180,390	268,189,668

Total liabilities and shareholders' equity	3,746,919,910	3,646,231,003	2,968,531,085	2,840,759,364


Profit and Loss account

Net interest income	34,257,402	23,286,341	12,525,408	48,983,739
Net commission income	7,072,910	4,981,583	2,623,075	8,290,230
Result on financial transaction	3,699,469	3,960,098	-1,348,264	7,627,261
FX and other income	1,180,786	996,758	461,692	1,453,480

Total income	46,210,567	33,224,780	14,261,911	66,354,710

Staff expense	13,089,001	8,851,035	4,335,855	14,559,813
General and administrative expense	6,434,897	4,405,987	1,944,074	12,921,259
Depreciation	1,022,987	635,909	315,238	2,011,007

Operating expense	20,546,885	13,892,931	6,595,167	29,492,079
Value adjustment to receivables	5,512,317	4,736,259	2,250,000	9,391,433

Total expense	26,059,202	18,629,190	8,845,167	38,883,512

Result before taxation	20,151,366	14,595,590	5,416,744	27,471,198

Taxation	4,523,909	3,498,954	1,441,538	-8,819,861

*Net profit*	*15,627,457*	*11,096,636*	*3,975,206*	*36,291,059*

BIS ratio under Basel II	19.3%	20.5%	20.3%	18.2%
Cost to income ratio	44.5%	41.8%	46.2%	44.4%
Average number of FTE	122	121	122	119

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