Key Figures
Key Figures (In GHS milion)
Activity
2016 | 2017 | Variation | |
Deposits |
680 | 884 |
30.2% |
Loans |
447 | 495 |
10.7% |
Number of branches at the end of the financial year |
26 | 26 |
0.0% |
Structure
2016 | 2017 | Variation | |
Total Assets |
1,144 |
1,343 |
17.4% |
Shareholders’ equity |
163 |
188 |
15.3% |
Average number of employees |
398 |
356 |
-10.6% |
Capital Adequacy Ratio
2016 | 2017 | |
Tier 1 |
127 | 149 |
Tier 2 |
- | - |
Risk Weighted Asset (RWA) |
716 | 876 |
Tier 1 + Tier 2 / RWA (%) |
17.7% | 17.0% |
Income
|
2016 | 2017 |
Variation |
Net operating income |
112 | 122 |
9.0 % |
Operating expenses |
76 | 80 |
22.4% |
Gross operating profit |
36 | 42 |
16.7% |
Cost of risk (in value) (**) |
11 | 9 | -21.3% |
Net income |
24 | 24 |
-1 % |
Operating ratio (%) |
67.7% | 65.6% |
|
Cost of risk (%) |
2.7% | 1.8% |
|
Return on Assets (ROA %) |
2.1% | 1.9% |
|
Rentabilité des fonds propres | 21.0% | 18.2% |
(*) y compris fonds pour risques bancaires généraux