Imara African Cement Report Africa, the last cement frontier Angola ...

Table 9: Regional Banking Comparatives (cont.)
Total
Assets
(US$m)
Gross
Income
(US$m)
Attr.
Income
(US$m)
Net
interest
margin
Cost/
income
ratio
Effective
tax rate
Loans/
Deposits
NPL/ Prov exp/
Advances Advances
Debt/
Equity
RoAE
RoAA
Loans/
Equity
Rough
CAR
Bank
29,010 2,857 975 7.4% 35.2% 4.3% 66.4% 0.0% 3.2% 10.2% 2103.8% 129.4% 4.5 12.8% Angola
8,341 741 227 9.0% 32.1% 0.8% 41.1% 6.1% 4.5% 30.9% 2.6% 3.2 13.6% Banco BAI
4,151 479 143 7.8% 20.7% 18.6% 54.4% 1.9% 54.5% 31.5% 3.7% 4.0 16.0% Banco BIC
1,472 135 37 6.3% 58.9% 0.0% 68.2% 2.9% 0.0% 102.6% 2.3% 5.8 16.0% Banco BPA
5,857 722 119 9.0% 44.5% 3.3% 67.6% 5.0% 0.0% 32.5% 2.7% 5.1 12.1% Banco BPC
1,329 86 119 4.4% 61.6% 2.7% 71.9% 2.2% 0.0% 17.1% 2.2% 3.9 18.7% Banco Millennium
7,862 694 329 6.4% 25.0% 0.7% 95.4% 0.7% 0.5% 7993.5% 489.4% 6.0 6.8% BESA
55,761 5,586 892 8.4% 61.1% 22.9% 71.7% 7.3% 1.2% 22.9% 17.3% 3.0% 2.0 18.8% Nigeria
5,150 491 72 6.0% 70.0% 31.2% 88.3% 8.8% 1.1% 14.3% 6.6% 1.5% 2.9 19.2% Access Bank Nigeria
14,751 1,485 214 7.1% 64.9% 23.7% 78.8% 8.2% 1.9% 36.0% 10.3% 1.5% 3.8 16.6% First Bank
3,446 401 51 5.9% 76.8% 12.1% 97.6% 5.5% -0.1% -17.2% 6.0% 1.6% 2.5 34.1% First City Merchant Bank
7,474 785 252 11.6% 51.5% 17.3% 80.2% 6.8% 1.8% 31.2% 19.3% 3.5% 0.5 20.6% Guaranty Trust Bank
2,461 363 61 12.5% 70.2% 30.1% 95.2% 8.7% 0.4% 28.9% 11.5% 2.6% 2.4 23.2% Stanbic IBTC
10,352 859 4 7.5% 75.3% 16.5% 49.6% 9.5% 2.9% 46.5% 0.4% 0.0% 3.8 12.8% UBA
12,126 1,202 239 6.1% 55.3% 25.2% 46.5% 5.9% 0.6% 7.7% 30.7% 5.1% 1.0 15.6% Zenith Bank
9,047 826 94 6.6% 65.9% 31.6% 64.7% 8.0% 3.0% 49.0% 9.9% 1.3% 4.4 16.0% Cote d'Ivoire
9,047 826 94 6.6% 65.9% 31.6% 64.7% 8.0% 3.0% 49.0% 9.9% 1.3% 4.4 16.0% Ecobank Transnational Inc.
1,365 230 51 7.8% 47.5% 28.6% 48.6% 5.4% 3.0% 26.7% 38.8% 4.5% 2.8 14.1% Ghana
320 55 6 7.8% 52.0% 24.9% 77.1% 5.2% 5.0% 123.6% 13.8% 2.0% 3.5 19.1% Cal Bank
1,045 175 45 7.8% 47.2% 28.9% 46.5% 5.4% 2.9% 19.6% 40.6% 4.7% 2.7 13.7% Stanchart Ghana
5,881 756 225 6.8% 43.3% 18.0% 60.5% 4.4% 1.7% 46.3% 53.0% 3.8% 6.2 15.4% Botswana
922 137 11 14.7% 80.3% 27.6% 62.7% 5.5% 0.5% 150.6% 16.7% 1.3% 7.3 7.0% BancABC
1,790 275 88 8.7% 39.0% 24.0% 62.3% 1.5% 2.8% 47.9% 45.3% 4.9% 4.6 20.4% Barclays Botswana
2,018 245 88 4.9% 40.3% 10.0% 67.7% 2.5% 0.8% 21.3% 49.8% 3.3% 6.2 15.1% First National Bank of Bots.
1,151 98 39 5.0% 49.2% 21.1% 39.1% 14.8% 1.5% 72.7% 87.2% 3.2% 9.3 7.8% Stanchart Botswana
465,598 38,057 6,472 2.9% 58.6% 28.8% 101.3% 5.3% 1.0% 95.1% 15.6% 1.0% 8.6 8.8% South Africa
101,310 10,714 1,148 4.0% 58.3% 27.5% 124.4% 7.7% 1.2% 316.6% 15.2% 1.1% 8.9 11.0% ABSA
98,688 10,031 2,880 2.8% 53.7% 26.7% 83.9% 4.3% 0.8% 10.9% 19.3% 1.2% 7.6 9.3% First Rand
76,643 3,759 866 2.9% 55.8% 24.2% 95.5% 3.9% 1.1% 61.3% 17.4% 1.1% 11.8 8.6% Nedbank
188,956 13,554 1,578 2.1% 63.7% 33.2% 101.3% 5.1% 1.1% 25.0% 12.3% 0.8% 7.7 7.1% Standard Bank
943 164 25 15.1% 60.0% 42.6% 56.3% 6.9% 3.5% 55.0% 23.5% 2.2% 4.7 12.5% Zambia
507 81 14 11.3% 62.5% 53.3% 43.7% 5.3% 3.8% 11.8% 14.4% 1.3% 4.2 10.9% Stanchart Zambia
436 83 11 16.2% 59.3% 39.6% 59.9% 7.4% 3.4% 67.2% 26.1% 2.5% 4.8 13.0% ZANACO
414 30 (14) 2.2% 64.9% 29.1% 19.9% 0.0% 0.0% 0.0% 21.3% 0.6% 0.2 109.6% Zimbabwe
166 6 3 1.4% 73.1% 35.0% 2.4% 0.0% 0.0% 0.0% 14.6% 1.2% 0.1 123.4% Barclays Bank Zimbabwe
146 17 2 2.6% 57.5% 28.5% 26.5% 0.0% 0.0% 0.0% 39.1% 3.7% 0.2 91.2% CBZ Holdings
15 1 1 1.2% 46.4% 16.8% 76.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.3 112.8% FBC Holdings
12 0 (0) 11.1% 73.8% 16.4% 4.3% 0.0% 0.0% 0.0% 14.6% 1.2% 0.0 167.8% NMBZ
75 7 (19) 1.2% 75.2% 19.5% 28.5% 0.0% 0.0% 0.0% -7.9% -21.0% 0.1 89.8% ZBFH
1,019 137 46 11.1% 43.2% 30.3% 69.2% 3.1% 0.7% 0.0% 39.5% 7.2% 3.1 18.7% Malawi
199 27 9 13.3% 43.0% 26.6% 61.5% 7.0% 0.5% 0.0% 36.0% 8.2% 2.2 23.4% First Merchant Bank
496 65 22 11.1% 43.1% 31.0% 65.8% 0.0% 0.9% 0.0% 37.6% 6.3% 3.1 17.4% National Bank of Malawi
323 46 14 9.3% 43.4% 32.4% 78.4% 3.6% 0.5% 0.0% 43.9% 7.4% 3.6 16.6% Standard Bank Malawi
332 42 10 8.3% 66.0% 28.8% 74.7% 8.4% 2.4% 0.0% 24.5% 3.5% 3.2 24.6% Rwanda
332 42 10 8.3% 66.0% 28.8% 74.7% 8.4% 2.4% 0.0% 24.5% 3.5% 3.2 24.6% Bank of Kigali
9,622 1,331 133 11.0% 57.3% 32.4% 80.1% 8.3% 2.8% 10.2% 24.7% 3.9% 4.0 18.8% Kenya
1,875 334 (33) 10.8% 68.2% 46.2% 99.7% 5.9% 1.2% 8.8% 16.5% 1.8% 6.2 11.9% Barclays Bank Kenya
1,257 159 (9) 8.9% 58.9% 29.3% 78.9% 12.4% 1.0% 1.3% 25.0% 3.5% 3.9 17.4% Co-operative Bank of Kenya
1,145 197 48 17.8% 52.2% 22.1% 88.6% 5.3% 4.7% 33.2% 26.2% 7.4% 1.5 36.3% Equity Bank
2,212 300 46 9.7% 55.7% 30.3% 68.1% 16.5% 5.8% 0.0% 31.7% 3.5% 4.9 12.5% Kenya Commercial Bank
1,186 111 14 7.9% 52.9% 30.5% 29.0% 10.0% 7.6% 0.0% 22.5% 2.7% 1.6 13.2% National Bank of Kenya
540 67 12 5.6% 47.4% 30.1% 78.3% 3.7% 0.9% 8.9% 21.9% 3.3% 4.7 18.5% National Industrial Credit Bank
1,407 162 54 6.2% 49.4% 31.1% 54.9% 4.0% 1.0% 0.0% 28.3% 3.3% 3.8 12.5% Stanchart Kenya
9,655 736 234 4.9% 38.9% 16.9% 85.7% 2.6% 0.4% 33.7% 19.3% 2.5% 5.0 16.3% Mauritius
6,212 497 162 4.7% 41.1% 15.9% 89.1% 3.4% 0.3% 27.1% 23.1% 2.7% 5.9 14.7% Mauritius Commercial Bank
3,443 239 72 5.2% 35.3% 18.6% 80.0% 1.4% 0.6% 44.6% 13.2% 2.3% 3.6 18.8% State Bank of Mauritius
903 58 11 11.6% 53.0% 27.9% 68.8% 2.6% -1.3% 30.5% 46.5% 5.3% 7.1 14.4% Uganda
199 23 4 8.6% 74.7% 31.6% 107.8% 8.0% -0.7% 244.5% 16.0% 2.2% 3.8 19.8% DFCU Bank Ltd
703 35 7 12.0% 49.9% 27.3% 63.2% 1.8% -1.4% 0.0% 50.8% 5.8% 7.5 13.6% Stanbic Uganda
19,740 2,081 1,740 5.5% 42.1% 8.8% 50.1% 3.5% 1.6% 2.5% 21.2% 2.7% 4.1 26.3% Egypt
8,695 546 250 5.4% 40.2% 15.5% 55.4% 2.7% 2.0% 4.0% 25.7% 2.9% 4.5 13.2% CIB
2,397 414 181 8.7% 52.0% 9.3% 0.0% 0.0% 1.6% 0.0% 9.3% 2.8% 1.1 93.7% EFG Hermes
8,648 1,120 1,309 3.9% 40.1% -2.3% 66.8% 6.5% 1.1% 1.3% 19.8% 2.4% 5.0 13.4% National Société Génerale Banque
56,964 2,471 756 3.5% 43.8% 31.0% 83.8% 3.7% 0.4% 22.9% 16.9% 1.2% 8.3 8.2% Morocco
26,915 1,416 417 3.4% 43.5% 32.9% 78.5% 5.4% 0.5% 43.5% 19.4% 1.6% 9.1 8.9% Attijariwafa
10,938 281 156 3.8% 22.1% 24.8% 105.4% 0.0% 0.4% 0.0% 22.5% 1.4% 2.4 8.8% BCP
19,110 775 183 3.7% 59.6% 31.9% 78.6% 3.1% 0.1% 0.0% 8.4% 0.5% 11.0 6.5% BMCE
10,254 345 93 3.2% 44.6% 23.0% 94.4% 5.7% 0.7% 51.1% 13.2% 1.6% 8.5 11.8% Tunisia
2,909 120 23 2.6% 47.9% 22.4% 80.1% 7.4% 1.0% 113.8% 16.6% 1.2% 13.8 9.8% Attijari Bank
4,703 134 24 2.8% 56.3% 29.7% 80.7% 10.2% 0.5% 35.1% 9.5% 0.7% 8.9 9.1% BIAT
2,643 91 45 3.9% 29.9% 15.7% 116.7% 0.0% 0.8% 38.4% 15.6% 2.6% 5.6 15.8% Banque de Tunisie
4.2% 4.7% 203% 4.2% 54.7% 27.2% 90.2% 5.2% 1.1% 65.4% 17.7% 1.6% 7.3 11.6% Weighted Average inc SA
4.5% 5.4% 172% 6.0% 49.2% 25.0% 74.5% 5.0% 1.1% 23.6% 20.7% 2.4% 5.5 15.6% Weighted Average ex SA
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