Annual Report 2007
Annual Report 2007
Annual Report 2007
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A n n u a l R e p o r t 2 0 0 7<br />
Key Figures<br />
USD ’000 <strong>2007</strong> 2006* Change<br />
Balance Sheet Data<br />
Total Assets 218,315 132,535 65%<br />
Gross Loan Portfolio 184,375 110,772 66%<br />
Business Loan Portfolio 162,369 99,006 64%<br />
USD < 10,000 76,365 50,780 50%<br />
USD > 10,000 < 50,000 62,501 38,290 63%<br />
USD > 50,000 < 150,000 18,136 8,508 113%<br />
USD > 150,000 5,367 1,428 276%<br />
Agricultural Loan Portfolio 19,508 10,846 80%<br />
Housing Improvement Loan Portfolio 1,932 636 204%<br />
Other 566 284 99%<br />
Allowance for Impairment on Loans 5,493 3,853 43%<br />
Net Loan Portfolio 178,882 106,919 67%<br />
Liabilities to Customers 78,216 45,125 73%<br />
Liabilities to Banks and Financial Institutions 76,714 35,185 118%<br />
Shareholders’ Equity 18,191 8,843 106%<br />
Income Statement<br />
Operating Income 21,502 13,078 64%<br />
Operating Expenses 18,329 10,968 67%<br />
Operating Profit Before Tax 3,173 2,110 50%<br />
Net Profit 2,850 1,546 84%<br />
Key Ratios<br />
Cost/Income Ratio 74.52% 70.64% 5%<br />
ROE 21.08% 18.11% 16%<br />
Capital Ratio 13.30% 12.46% 7%<br />
Operational Statistics<br />
Number of Loans Outstanding 57,581 39,350 46%<br />
Number of Loans Disbursed within the Year 54,990 40,808 35%<br />
Number of Business and Agricultural Loans Outstanding 57,163 39,170 46%<br />
Number of Deposit Accounts 100,952 42,945 135%<br />
Number of Staff 813 555 46%<br />
Number of Branches and Outlets 25 18 39%<br />
* Some figures differ from those in the 2006 annual report<br />
as they have been adjusted to reflect new calculation<br />
methods.
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