Balance Sheet and Profit and Loss Accounts 2000 - 2001

Consolidated Balance Sheet as at December 31st, 2001 as compared with December 31st, 2000

ASSETS 31.12.2000 31.12.2001 1. Available and Realizable 4,159,516,922 3,757,950,891 Cash-Central Bank-CCP 619,995,991 1,057,703,206 Banks 3,075,818,956 2,434,403,984 Call money (lendings) 0 0 Other short-term assets 463,701,975 265,843,701 2. Loans and advances 21,546,376,902 24,970,579,203 Current account debtors 15,219,885,442 17,755,371,942 Coffee loans 1,217,941,495 826,924,939 Rice loans 205,469,894 202,128,903 Bills and commitments 4,903,080,071 6,186,153,419 3. Portfolio 0 777,143,499 Treasury certificates 0 777,143,499 4. Sundry assets 3,832,620,287 5,344,231,123 5. Investments 96,303,680 96,303,680 Share capital 96,303,680 96,303,680 6. Fixed assets 2,966,402,983 3,614,518,061 Land 123,750,000 140,834,500 Premises 2,125,746,610 2,472,525,263 Equipment and furniture 635,117,734 924,020,030 Start-up costs 81,788,639 77,138,268 TOTAL ASSETS 32,601,220,774 38,560,726,457
LIABILITIES 31.12.2000 31.12.2001 1. Short-term liabilities 5,039,949,227 5,963,431,061 Prefered creditors 1,315,677,560 1,182,282,430 Banks 394,160,277 966,552,526 Refinancing from the Central Bank 2,962,124,870 3,568,864,390 Other short-term liabilities 367,986,520 245,731,715 2. Deposits 20,993,046,885 24,714,057,028 At sight deposits 15,812,150,683 19,039,865,000 Term deposits 4,153,545,719 4,414,562,245 Savings accounts 697,350,483 762,629,783 Casj vouchers 330,000,000 497,000,000 3. Sundry liabilities 2,356,474,088 2,913,479,698 4. Capital and reserves 2,740,500,000 3,667,500,000 Capital 340,000,000 340,000,000 Legal reserve 31,000,000 34,000,000 Available reserve 358,500,000 358,500,000 General provision for risk 2,011,000,000 2,935,000,000 5. Results 1,471,250,574 1,302,258,670 Profit carried forward 141,428,265 181,250,574 Net profit 1,329,822,309 1,121,008,096 TOTAL LIABILITIES 32,601,220,774 38,560,726,457
Consolidated Profit and Loss Account as at December 31st, 2001
DEBIT 31.12.2000 31.12.2001 1. Interest paid 1,820,441,073 1,883,191,455 2. Staff expenses 668,393,253 763,787,620 3. Other operating expenses 896,485,370 1,085,283,432 4. Corporate and other taxes 1,201,230,233 1,140,740,225 5. Depreciation 202,916,524 268,429,372 6. Provision for credit losses 73,445,828 116,672,902 7. Net income 1,329,822,309 1,121,008,096 TOTAL 6,192,734,590 6,379,113,102
CREDIT 31.12.2000 31.12.2001 1. Interests and commissions on loans 3,971,435,214 4,562,087,709 2. Revenues from operations 1,340,740,174 1,062,301,520 3. Revenues from portfolio 266,025,966 67,957,104 4. Other revenues 614,533,236 686,766,769 TOTAL 6,192,734,590 6,379,113,102