Key Figures
Key Figures (In GHS milion)
Activity
| 2019 | 2020 | Variation | |
|
Deposits |
1,084 | 1,200 |
10.7% |
|
Loans |
726 | 745 |
2.7% |
|
Number of branches at the end of the financial year |
26 | 26 |
0.0% |
Structure
| 2019 | 2020 | Variation | |
|
Total Assets |
2,048 |
2,057 |
0.4% |
|
Shareholders’ equity |
596 |
645 |
8.3.% |
|
Average number of employees |
349 |
346 |
-0.9% |
Capital Adequacy Ratio
| 2019 | 2020 | |
|
Tier 1 |
518 | 571 |
|
Tier 2 |
- | - |
|
Risk Weighted Asset (RWA) |
1,274 | 1,448 |
|
Tier 1 + Tier 2 / RWA (%) |
40.7% | 39.4% |
Income
|
|
2019 | 2020 |
Variation |
|
Net Operating income |
217 | 236 |
8.8% |
|
Operating expenses (including depreciation and amortization) |
107 | 113 |
5.6% |
|
Gross operating profit |
110 | 123 |
11.8% |
|
Cost of risk (in value) (*) |
20 | 23 | 14.0% |
|
Operating ratio (%) |
49.3% | 47.9% |
|
|
Cost of risk (%) |
3.2.% | 3.2% |
|
|
Return on Assets (ROA %) |
3.9% | 3.1% |
|
| Return on Equity | 18.4% | 11.8% |
(*) Including general provision
Annual Report
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