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Financial Statements As of 31 December 2020

Balance Sheet
As of 31 December 2020-Audited

 

CIFRS

31-Dec-20

US$

(Audited)

CIFRS

31-Dec-19

US$

(Audited)

ASSETS
Cash on hand                    112,449,694                      85,296,900
Balances with the Central Bank                    347,765,470                    213,118,865
Due from banking & financial institutions                      14,507,186                      15,818,539
Loans and advances to customers- net                 1,551,574,179                 1,293,005,023
Other assets                      20,517,283                      13,022,688
Deferred tax assets                        6,202,335                        6,467,838
Goodwill                      17,380,030                      17,380,030
Software                        3,009,642                        2,369,838
Property and equipment                      17,357,825                      14,787,841
Right of Use Assets                       16,631,777                      13,315,124
TOTAL ASSETS              2,107,395,421              1,674,582,686
LIABILITIE AND SHAREHOLDERS' EQUITY
LIABILITIES
Deposits from customers and other financial institutions                 1,282,172,981                    947,411,222
Subordinated debt                      63,750,000                      44,000,000
Borrowings                    375,502,609                    365,971,306
Current tax liabilities                      10,222,127                        8,896,377
Other liabilities                      37,103,838                      27,736,213
Employee pension liabilities                      23,701,504                      20,596,063
Lease liabilities                      15,393,794                      11,971,106
Total Liabilities                 1,807,846,853                 1,426,582,287
SHAREHOLDERS' EQUITY
Share capital                    193,000,000                    150,000,000
Regulatory reserve                      11,936,141                      12,570,464
Retained earnings                      94,612,427                      85,429,935
Profit for current year                                     -                                        -  
Total Shareholders’ equity                    299,548,568                    248,000,399
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY              2,107,395,421              1,674,582,686

Income Statement
For the period from 1 January 2020 to 31 December 2020-Audited

 

CIFRS
01-Jan
to 31 December 2020
 US$
 (Audited)

CIFRS
01-Jan
 to 31 December 2019
 US$
 (Audited)

Operating income
Interest income                    203,086,588                    166,965,257
Interest expense                     (81,406,370)                    (66,008,944)
Net interest income                    121,680,218                    100,956,313
Net fees and commissions                        4,722,029                        2,839,932
Other income                        6,895,186                        4,019,426
Total operating profit                    133,297,433                    107,815,671
Net FX Unrealized Gain/(Loss)                                     -                                        -  
Allowance for bad and doubtful loans                     (15,571,732)                      (5,372,451)
Provision for Off Balance Sheet Expense                                     -                                        -  
Provision for Cash in other Banks Expense                                     -                                        -  
Other operating expenses                     (63,814,487)                    (56,610,901)
Profit before income tax                      53,911,214                      45,832,319
Income tax expense                     (12,363,045)                      (8,678,488)
Net profit for the period                      41,548,169                      37,153,831
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