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Below is a table displaying our financial highlights from the 2007 Annual Report.
|
For the year (GH˘ Million) |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
|
Total Income |
4.39 |
5.30 |
8.72 |
13.12 |
15.42 |
19.06 |
25.61 |
|
Net Operating profits 1 |
2.23 |
2.27 |
4.58 |
7.37 |
7.93 |
9.02 |
12.27 |
|
Profits before tax |
1.87 |
1.91 |
3.59 |
5.94 |
6.79 |
7.80 |
10.54 |
|
Net Profits |
1.18 |
1.26 |
1.94 |
3.71 |
4.53 |
5.61 |
8.08 |
|
At year end (GH˘ Million) |
|
Shareholders’ Funds |
2.98 |
3.67 |
4.73 |
7.15 |
10.09 |
13.73 |
19.79 |
|
Total Deposits |
21.61 |
30.01 |
39.17 |
50.90 |
57.09 |
70.83 |
109.77 |
|
Total Assets |
31.76 |
46.97 |
62.43 |
89.83 |
98.24 |
123.04 |
219.68 |
|
Ratios (%) |
|
Return on average Equity |
44.6 |
37.8 |
46.1 |
62.5 |
52.5 |
47.05 |
48.18 |
|
Cost to Income 2 |
49.3 |
57.1 |
47.4 |
43.8 |
45.9 |
49.92 |
48.20 |
|
Capital Adequacy 3 |
13.5 |
11.7 |
11.1 |
1 2.6 |
12.1 |
13.28 |
11.85 |
|
Per Ordinary Share (GH˘) |
|
|
|
|
|
|
|
|
Earnings |
0.12 |
0.13 |
0.19 |
0.37 |
0.45 |
0.56 |
0.81 |
|
Dividend |
0.05 |
0.06 |
0.09 |
0.13 |
0.16 |
0.20 |
0.20 |
Below is a table displaying our financial highlights from the 2006 Annual Report.
|
For the year (Cedi billion)
|
2002 |
2003 |
2004 |
2005 |
2006 |
|
| Total Income |
53.0 |
87.2 |
131.2 |
154.2 |
190.59 |
| Net Operating profits 1 |
22.7 |
45.8 |
73.7 |
79.3 |
90.17 |
| Profits before tax |
19.1 |
35.9 |
59.4 |
67.9 |
77.96 |
| Net Profits |
12.6 |
19.4 |
37.1 |
45.3 |
56.05 |
At year end (Cedi billion)
|
| Shareholders’ Funds |
36.7 |
47.3 |
71.5 |
100.9 |
137.35 |
| Total Deposits |
300.1 |
391.7 |
509.0 |
570.9 |
708.25 |
| Total Assets |
469.7 |
624.3 |
898.3 |
982.4 |
1,230.42 |
Ratios (%)
|
| Return on average Equity |
37.8 |
46.1 |
62.5 |
52.5 |
47.05 |
| Cost to Income 2 |
57.1 |
47.4 |
43.8 |
45.9 |
49.92 |
| Capital Adequacy 3 |
9.09 |
11.58 |
14.63 |
16.08 |
13.28 |
|
Per Ordinary Share (˘)
|
| Earnings |
1,257 |
1,937 |
3,713 |
4,530 |
5,613 |
| Dividend |
566 |
872 |
1,300 |
1,585 |
1,965 |
1 Before Bad Debt Provision & Depreciation
2 Excluding Depreciation
3 Required Minimum – 10%
Balance Sheet Figures
Per Ordinary Share
Ratio %
Below is a table displaying our financial highlights from the 2004 Annual Report.
|
For the year (Cedi billion)
|
2001 |
2002 |
2003 |
2004 |
2005 |
|
| Total Income |
43.9 |
53.0 |
87.2 |
131.2 |
154.2 |
| Net Operating profits 1 |
22.3 |
22.7 |
45.8 |
73.7 |
79.3 |
| Profits before tax |
18.7 |
19.1 |
35.9 |
59.4 |
67.9 |
| Net Profits |
11.8 |
12.6 |
19.4 |
37.1 |
45.3 |
At year end (Cedi billion)
|
| Shareholders’ Funds |
29.8 |
36.7 |
47.3 |
71.5 |
100.9 |
| Total Deposits |
216.1 |
300.1 |
391.7 |
509.0 |
570.9 |
| Total Assets |
317.6 |
469.7 |
624.3 |
898.0 |
982.4 |
Ratios (%)
|
| Return on average Equity |
44.6 |
37.8 |
46.1 |
62.5 |
52.5 |
| Cost to Income 2 |
49.3 |
57.1 |
47.4 |
43.8 |
45.9 |
| Capital Adequacy 3 |
13.5 |
11.7 |
11.1 |
12.6 |
12.1 |
|
Per Ordinary Share (˘)
|
| Earnings |
1,182 |
1,257 |
1,937 |
3,713 |
4,530 |
| Dividend |
532 |
566 |
872 |
1,300 |
1,585 |
(1) Before Bad Debt Provision & Depreciation
(2) Excluding Depreciation
(3) Required Minimum – 6%
 
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