Full annual report - African Bank - Investoreports

2007 2006 2005 2004 2003
>ABIL in perspective
50,07 54,75 55,83 50,35 43,80 (Interest income + gross assurance income +
non-interest income)/average gross advances
8,9 8,5 7,9 7,7 6,7 Charge for credit losses/average gross
advances
23,6 26,8 27,5 30,0 35,5 Operating expenses/(interest income + gross
assurance income + non-interest income)
11,8 14,7 15,4 15,1 15,5 Operating expenses/average gross advances
10 890 7 727 6 454 6 129 6 314 Total outstanding advances at the end of the
period excluding the partially written off book
3 004 2 213 1 642 2 246 2 625 Outstanding balance of loans that have more
than three cumulative instalments in arrears
excluding partially written off book
1 892 1 435 1 117 1 657 1 961 Balance of all impairment provisions
(including insurance reserves) raised against
advances
27,6 28,6 25,4 36,6 41,6 Non-performing loans/gross advances
17,4 18,6 17,3 27,0 31,1 Total impairment provisions/gross advances
63,0 64,8 68,0 73,8 74,7 Total impairment provisions/NPLs
5,9 6,4 19,7 13,5 13,1 Net bad debts written off/average gross
advances
32,8 35,5 36,2 40,4 44,5 Group qualifying capital/group assets at risk
28,4 31,9 32,9 34,7 40,8 (Tier 1 capital + Tier 2 capital)/risk weighted
assets as per Banks Act requirements
9,7 9,9 12,2 12,7 14,5 Interest expense/average interest bearing
liabilities
African Bank Investments Limited | Integrated Report for the year ended 30 September 2012 17