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Interim Financial Statements As Of 30 September 2020

Balance Sheet
As of 30 September 2020-Unaudited

 

 

30-Sep-20

US$

(Unaudited)

CIFRS

31-Dec-19

US$

(Audited)

ASSETS
Cash on hand          120,787,395            85,296,900
Balances with the Central Bank          298,034,967         213,118,865
Due from banking & financial institutions            16,456,202            15,818,539
Loans and advances to customers- net      1,453,779,184      1,293,005,023
Other assets            30,242,625            13,022,688
Deferred tax assets              6,070,491              6,467,838
Goodwill            17,380,030            17,380,030
Software              2,438,747              2,369,838
Property and equipment            15,743,162            14,787,841
Right of Use Assets                             -               13,315,124
TOTAL ASSETS      1,960,932,803      1,674,582,686
LIABILITIE AND SHAREHOLDERS' EQUITY
LIABILITIES
Deposits from customers and other financial institutions      1,176,777,140         947,411,222
Subordinated debt            44,000,000            44,000,000
Borrowings          401,991,441         365,971,306
Current tax liabilities              6,817,383              8,896,377
Other liabilities            33,699,115            27,736,213
Employee pension liabilities            17,578,528            20,596,063
Lease liabilities                            -               11,971,106
Total Liabilities      1,680,863,607      1,426,582,287
SHAREHOLDERS' EQUITY
Share capital          150,000,000         150,000,000
Regulatory reserve            12,570,464            12,570,464
Retained earnings            85,429,936            85,429,935
Profit for current year            32,068,796                            -  
Total Shareholders’ equity          280,069,196         248,000,399
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY      1,960,932,803      1,674,582,686

Income Statement
For the period from 1 January 2020 to 30 September 2020-Unaudited

 

 

01-Jan
 to 30 September 2020
 US$
 (Unaudited)

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

Operating income
Interest income                 141,842,207                 166,965,257
Interest expense                  (55,738,216)                  (66,008,944)
Net interest income                    86,103,991                 100,956,313
Net fees and commissions                      6,836,577                      2,839,932
Other income                      5,666,778                      4,019,426
Total operating profit                    98,607,345                 107,815,671
Net FX Unrealized Gain/(Loss)                        (887,163)                                    -  
Allowance for bad and doubtful loans                    (9,321,064)                    (5,372,451)
Provision for Off Balance Sheet Expense                        (130,628)                                    -  
Provision for Cash in other Banks Expense                            (7,977)                                    -  
Other operating expenses                  (47,957,025)                  (56,610,901)
Profit before income tax                    40,303,488                   45,832,319
Income tax expense                    (8,234,692)                    (8,678,488)
Net profit for the period                    32,068,796                   37,153,831
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