Answer the following questions. Download the Excel file in Reports to answer the questions. Also consult the student manual available in the Help folder (top right) Rates on fixed, floating, installment and mortgage loans were reduced by 0.3 percent (from 9.3% to 9.0% etc.). Which loans, in percent change, were impacted the most and which the least? b. Rates on savings deposits, retail CDs and long-term retail deposits were increased by 1%. Which deposits, in percent change, were impacted the most and which the least? You put in $25,000 for reserve requirements. Why is the reserve requirement showing a different number? Explain. d. Explain the numbers under "excess reserves" and "discount window advances." 1 There are no interest rates for retail and corporate demand deposits. What likely factors can explain the change in volume of deposits? Answer the following questions. a. Rates on fixed, floating, installment and mortgage loans remained the same. Which loans, in percent, were impacted the most and which the least? b. Rates on savings deposits, retail CDs and long-term retail deposits were increased by 1%. Which deposits, in percent, were impacted the most and which the least? c. Explain the numbers under "Reserve requirements," "Excess reserves" and "Discount window advances." Q0 Q1 19,699.06.. 50 19,824 0 0 0.00.. . 0.00 0.00.J.) 186,385.17.4.2 89 ,250,950 210,925.11.4.3 274,286.69 4.3 226,161.91.2 13% 9% 5% 2% 216,402.47.4.) 216,025.61 . 219,728.38 120,000.00 120,000.00 US 14,739.00.4.3 3,731.62.4.3 14,370.53.2 4,177.97.4.2 . . 1,081,119.14 . . 1,020,470.58 25,000.00.4. 50,000.00 97,296,85 3 105,099 Summary Balance Sheet ASSETS Required Reserves (at the Bahrain Central Bank) Excess Reserve Balances Interbank Lending (at BHIBOR) Business Loans - Fixed Rate Business Loans - Floating Rate Retail Loans - Fixed Rate Mortgages - Fixed Rate Government Bonds Fixed Assets Allowances for Impairment TOTAL ASSETS LIABILITIES Interbank Borrowing (at BHIBOR) Retail Current Account Deposits Corporate Current Account Deposits Wholesale Deposits Savings Account Deposits 2.quarter Fixed Deposits 8-quarter Fixed Deposits Discount Window Advances Net Worth and Retained Earnings TOTAL LIABILITIES AND NET WORTH Income and Expense Report CURRENT REVENUE Fee Income Retail Current Account Deposits Corporate Current Account Deposits Interest Income Business Loans - Fixed Rate Summary Economy Market 1 149,000.00 . 129,327,18 99,193.71.4.) 93,145.67 132,000.00.4.3 121,504.77.4.) 202,554.92...) 220,948.26 174,396.20.4. 179,576.48 .. 76,754.41.. 61,450.21.4. 91,269.72 92,572.01. 1,020,470.58 ... 1,081,119.14.. 7% -6% 13% 6% 9% 3% QO Q1 488.98...) 297.58.4.2 525.50 279.44.4.3 NII Interest Income 4,737.26.4.3 23,135.364.0 10,252.024. 4,327.16., Bank 1 + QO Q1 488.98.U. 50 525 . 297.58 279.44.4.3 NII Interest Income 4,737.26.2.3 23,135.36) 10,252.02.). 4,327.16.4. . 5,145.85 . . 5,515.62 5,885.75 0,5 6,099.48.4. . 24 4,855 1,869.00 . 4,913.99 1,8G9.00 0.00..) 0.00 0.00.. 0.0 22,869.57...) . 23,940,29 Income and Expense Report CURRENT REVENUE Fee Income Retail Current Account Deposits Corporate Current Account Deposits Interest Income Business Loans - Fixed Rate Business Loans - Floating Rate Retail Loans - Fixed Rate Mortgages - Fixed Rate Government Bonds Interbank Lending (at BHIBOR) Short-term Gain from Government Bonds TOTAL REVENUE CURRENT EXPENSES Interest Expense Interbank Borrowing (at BHIBOR) Retail Current Account Deposits Corporate Current Account Deposits Wholesale Deposits Savings Account Deposits 8-quarter Fixed Deposits 2 quarter Fixed Deposits Discount Window Advances Impairment Allowances Advertising Retail Loans Mortgages Retail Current Account Deposits Corporate Current Account Deposits us Depasier Interest Expense 12,883.34...) 264.38..) 0.00) 528.75 0.00) . 6.0 . 1,725.90 . 0.00 . 18 .1,948 1,518.81.4.3 3,269.93. 3,038.32..) 1,771.11.) 1,939.91.. 3,437.842.5 3,610.70... 1,417.96.) 1,255.26.3 49 ,1,080 130.00 60.00 380.00) 150.00.4. 80.00...) . 420.00 . . 50.00 . . 610.00 250.00 290.00 580.00.4.3 290.00.4. 610.00 250.00 290.00 . 50.00 140.00 60.00.4.3 613.97.4.3 55.00 579.21.4.3 27.50 ..) 465.96.4.5 656.73.7.) 819.36.. 671.24.) 30.00.4) 650.01.4.3 802.40.4.3 890.44.4.3 710.77.4.3 30.00.45 562.01 Corporate Current Account Deposits 2-quarter Fixed Deposits Savings Account Deposits 8-quarter Fixed Deposits Other Non-interest Operating costs Deposit Insurance Premium Interbank Funding (at BHIBOR) Business Loans - Fixed Rate Business Loans - Floating Rate Retail Loans - Fixed Rate Mortgages - Fixed Rate Government Bonds Retail Current Account Deposits Corporate Current Account Deposits DD Costs Offset by Excess Reserves Wholesale Deposits Savings Account Deposits 2-quarter Fixed Deposits 8-quarter Fixed Deposits Fixed Operating costs Other Transaction Costs Restructuring Charges TOTAL EXPENSES NET CURRENT OPERATING EARNINGS Taxes on Current Earnings Realized (Long-term) Capital Gains Taxes Applicable to Capital Gains Total Taxes TOTAL NET INCOME 522.64 310.69 0.00 279.44.4.3 . . 0.00 . . 55.00 36.30.4. . . 321.28 362.43.4.3 202.44.4.3 . . 115.69 101.28.4.5 87.20.4. 0.00.4) 120.08.4.3 0.00.4.3 19,188.42.4.) 3,681.16.4.) 1,288.40.4.3 0.00 .. 743.48.4.) 15.11.. 0.00.4.3 21,936.77.4.3 2,003.52.. 701.23 0.00.. 0.00 . . 0.00 1,288.40.4.2 701.23.4.3 1,302.29.7.) 2.392.75 Rank Balance Sheet on 01 20 Q1 . 50. 19,824 19,699.06.4.2 0.00.4.3 . . 0.00 0.00.4.3 0.00.4.3 4.23% 4.23% 186,385.17.4.3 9.30% . . 210,925.11 9.00% 121,945.01.4.3 4.00% 129,005.88.4.1 4.00% 129,005.88.4. 4.00% 145,280.81 .. 3.70% . 55,248.11 55,915.17.4.3 11.00% Bank Balance Sheet ASSETS Required Reserves Excess Reserves Interbank Lending (at BHIBOR) BHIBOR (Rate) Business Loans - Fixed Rate Business Loans - Fixed Rate (Rate) Business Loans - Floating Rate, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) Retail Loans - Fixed Rate, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) T+3 T+3 (rate) T+4 T+4 (rate) Mortgages - Fixed Rate, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) T+3 T+3 (rate) T+4 T+4 (rate) Summary Economy Market 1 11.00% 55,915.17.4.3 11.00% . . 49,567.59 11.00% . . 49,567.59 .. 55,671.60 11.00% 55,671.60 11.00% 65,007.55.4.1 10.70% 11.00% 28,587.07 .. 53. 26,809 9.00% 9.00% 26,809.53 28,051.55 9.00% 9.00% .. 28,051.55 . . 28,887.73 9.00% 9.00% 28,887.73 . . 21,510.51 9.00% 9.00% Bank 1 + .. 21,510.51 . 26,171.02 9.00% 9.00% 26,171.02 . 29,772.73 9.00% 9.00% . 29,772.73 . . 26,235.46 9.00% 9.00% . 235.46 ,26 32,289.85 9.00% 8.70% T+5 T+5 (rate) T+6 T+6 (rate) T+7 T+7 (rate) T+8 T+8 (rate) Government Bonds, maturing start of: T+1 T+2 T+3 T+4 T+5 T+6 T+2 T+8 Fixed Assets Allowances for Impairment TOTAL ASSETS LIABILITIES Interbank Borrowing (at BHIBOR) Interbank Borrowing (BHIBOR rate) Current Account Deposits Retail Retail (rate) Corporate Corporate (rate) Wholesale Deposits, maturing start of: T+1 T+1 (rate) . . 15,000.00 15,000.00 15,000.00 15,000.00 . . 15,000.00 . . 15,000.00 . . 15,000.00 . . 15,000.00 . . 15,000.00 15,000.00 . . 15,000.00 15,000.00 . . 15,000.00 . 15,000.00 15,000.00 . 15,000.00 14,739.00 14,370.53 . . 3,731.62 4,177.97 1,020,470.58 . . 1,081,119.14 25,000.00 50,000.00 4.23% 4.23% . . 97,796.85 105,099.34 0.00% 0.00% 99,193.71 .. 67 93,145 0.00% 0.00% 33,000.00 . . 33,000.00 5.23% 5.23% 33,000.00 . 33,000.00 5.23% 5.23% . . 33,000.00 33,000.00 5.23% 5.23% 33,000.00 . . 50,000.00 5.23% 5.23% 121,504.77 . . 18. 129,327 5.00% 6.00% . . 100,195.26 102,359.66 6.00% 6.00% . 102,359.66 . 118,588.60 6.00% 7.00% . . 23.133.43 . . 296.18 ,22 T+2 T+2 (rate) T+3 T+3 (rate) T+4 T+4 (rate) Savings Account Deposits Savings Account Deposits (rate) 2-quarter Fixed Deposits, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) 8-quarter Fixed Deposits, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) T+3 T+3 (rate) T+ T+4 (rate) T+5 T+5 (rate) T+6 T+6 (rate) T+ T+7 (rate) T+8 T+8 (rate) Discount Window Advances 7.50% 7.50% . . 18. 22,296 762.15 ,20 7.50% 7.50% 20,762.15 . 201.33 ,21 7.50% 7.50% . . 201.33 ,21 . . 21,324.05 7.50% 7.50% .. 21,324.05 . . 21,457.20 7.50% 7.50% . . 21,457.20 21,802.59 7.50% 7.50% 21,802.59 22,419.27 7.50% 7.50% . . 22,419.27 28,313.71 7.50% 8.50% . 76,754.41 . . 61,450.21 Summary Economy Market 1 Bank 1 + 9.23% 9.23% 91,269.72.4.3 .. 92,572.01 . . 1,081,119.14 . . 1,020,470.58 QO Q1 120,000.00 ...) 120,000.00 120,757.63.9. . 120,757.63 . . 1,000.00 1,000.00 . . 15,000.00 15,000.00.4.3 1,004,94 1,004.94 .. 4.23% 179 Discount Window Advances (rate) 180 EQUITY CAPITAL 181 Net Worth and Retained Earnings 182 TOTAL LIABILITIES AND NET WORTH 183 184 Government Bond Portfolio Report 185 Book Value of Portfolio 186 Market Value of Portfolio 187 Maturing start of: 188 Quarter 189 Market Price (T) 190 Bank Holdings 191 Quarter T+1 192 Market Price (T+1) 193 Market Yield (T+1) 194 Coupon Amount (T+1) 195 Bank Holdings 196 Quarter T+2 197 Market Price (T+2) 198 Market Yield (T+2) 199 Coupon Amount (T+2) 200 Bank Holdings 201 Quarter T+3 202 Market Price (T+3) 203 Market Yield (T+3) 204 Coupon Amount (T+3) 205 Bank Holdings 206 Quarter T+4 207 Market Price (T+4) 208 Market Yield (T+4) 209 Coupon Amount (T+4) 62.30 15,000.00 4.23% 62.30.4. 15,000.00.4.3 .. 1,006.87 .. 1,006.87 4.83% 62.30.4.- 4.83% 62.30.4. 15,000.00 .. . 15,000.00 1,008.77 5.03% 62.30.4.) 1,008.77 .. 5.03% 62.30.4.) 15,000.00 . . 15,000.00 68 1,009 . 68. 1,009 5.23% 62.30.4.3 5.23% 62.30.4. Summary Economy Market 1 Bank 1 + and 15,000.00 . 15,000.00 . 1,009,00 . 1,009.00 5.48% 5.48% 62.30.4.2 . . 62.30 15,000.00 15,000.00 . 1,007.13 1,007.13 5.73% 5.73% 62.30.4.3 62.30.4.) . . 15,000.00 . 15,000.00 . 1,004.12 1,004.12 5.98% 62.30.9.) 5.98% 62.30.4) 15,000.00 15,000.00 210 Bank Holdings 211 Quarter T+5 212 Market Price (T+5) 213 Market Yield (T+5) 214 Coupon Amount (T+5) 215 Bank Holdings 216 Quarter T+6 217 Market Price (T+6) 218 Market Yield (T+6) 219 Coupon Amount (T+6) 220 Bank Holdings 221 Quarter T+7 222 Market Price (T+7) 223 Market Yield (T+7) 224 Coupon Amount (T+7) 225 Bank Holdings 226 Quarter T+8 227 Market Price (T+8) 228 Market Yield (T+8) 229 Coupon Amount (T+8) 230 231 232 Price Per Share 233 Current quarter 234 Prior quarter 235 Market Value of Equity 236 Current quarter 237 Prior quarter 238 Book Value of Equity 239 Current quarter 240 Prior quarter Summary . . 1,000.00 . . 1,000.00 6.23% 62.30.4.) 6.23% 62.30.2.5 Capitalization Report Qo Q1 108.35.4.3 110.34.4.3 92.77.4.) 108.35.4.3 . . 108,346.33 .. 110,339.95 . 92,773.60 . . 108,346.33 91,269.72.. . . 92,572.01 91,269.72 91,269.72.4.3 Economy Market 1 Bank 1 + + Ready 1,000,000 1,000,000 1,000,000 1,000,000 0 0 0 0 0.00.4.3 0.00.4.3 0.00.4.3 0.00 0 0 0 0 . . 0.00 0.00.4.3 0.00.4.- 0.00.. . 0.00 241 Number of Shares Outstanding 242 Current quarter 243 Prior quarter 244 Number of shares Sold by Management 245 Current quarter 246 Prior quarter 247 Price of Shares Sold by Management 248 Current quarter 249 Prior quarter 250 Number of shares Sold by Regulators 251 Current quarter 252 Prior quarter 253 Price of Shares Sold by Regulators 254 Current quarter 255 Prior quarter 256 Dividends Paid 257 Current quarter 258 Prior quarter 259 Net Total Assets 260 Current quarter 261 Prior quarter 262 Risk-weighted Assets 263 Current quarter 264 Prior quarter 265 Basel Tier I Ratio 266 Current quarter 267 Prior quarter 268 Basel Tier I+II Ratio 269 Current quarter 270 Prior quarter 271 Capital/Asset Ratio Summary Economy Ready 0.00.4.3 0.00.. 0.00.4.- . 1,081,119.14 1,020,470.58 1,008,415.50.9.1 1,020,470.58.4.3 776,490.34 835,608.42.9. 776,490.34.4.3 765,026.29.4. 11.75% 11.93% 11.08% 11.75% 12.23% 12.37% 11.58% 12.23% Market 1 Bank 1 + 8.94% 9.05% 8.56% 8.94% QO Q1 . 188,092.02 156.40.4.) 0.08% 0.15% 186,385.17.4.3 197.01.us 0.11% 0.18% 270.56 . 380.03 . 01. 121,945 . 123,134.93 257.07 0.21% 0.34% 208.69.4.3 0.17% 0.34% 934.21.4.3 848.62 272 Current quarter 273 Prior quarter 274 275 Loan Performance Report 276 Business Loans - Fixed Rate 277 Matured Last Quarter (BHD 1,000s) 278 Defaulted (BHD 1,000s) 279 Percent Defaulted 280 Percent Nonperforming 281 Nonperforming (BHD 1,000s) 282 Business Loans - Floating Rate 283 Matured Last Quarter (BHD 1,000s) 284 Defaulted (BHD 1,000s) 285 Percent Defaulted 286 Percent Nonperforming 287 Nonperforming (BHD 1,000s) 288 Retail Loans - Fixed Rate 289 Matured Last Quarter (BHD 1,000s) 290 Defaulted (BHD 1,000s) 291 Percent Defaulted 292 Percent Nonperforming 293 Nonperforming (BHD 1,000s) 294 Mortgage Loans - Fixed Rate 295 Matured Last Quarter (BHD 1,000s) 296 Defaulted (BHD 1,000s) 297 Percent Defaulted 298 Percent Nonperforming 299 Nonperforming (BHD 1,000s) 300 TOTAL 301 TOTAL Matured Last Quarter (BHD 1,000s) 302 TOTAL Defaulted (BHD 1,000s) Summary Economy Market 1 Ready 91. 48,385 291.88.4.3 0.60% 1.10% 2,375.32.9. 55,248.11.4.3 385.24.4.2 0.70% 1.15% . 2,610.14 .. 26,206.97 .. 28,587.07 16.58.9.) 0.06% 0.11% 237.12.4.3 17.97.4.) 0.06% 0.12% 253.59.4.2 . . 385,819.83 . 392,165.36 721.93.2.5 808.90.U. Bank 1 + 721.93.. 808.90.4.3 4,177.97.4.3 3,731.62 Qo Q1 0.00.4.3 . . 0.00 25,000.00 0.00 . . 25,000.00 . . 0.00 50,000.00 0.00.. 0.00.4) 33,000.00 . . 15,000.00 0.00 . . 0.00 50,000.00 15,000.00 0.00.4.3 0.00.4.3 . . 0.00 302 TOTAL Defaulted (BHD 1,000s) 303 TOTAL Nonperforming (BHD 1,000s) 304 305 Decisions 306 Quantities 307 Target Reserves for Deposits 308 Interbank Lending (at BHIBOR) 309 Interbank Borrowing (at BHIBOR) 310 90-day Wholesale Deposits to Issue 311 180-day Wholesale Deposits to Issue 312 360-day Wholesale Deposits to Issue 313 New 8-quarter Government Bonds to Purchase 314 Government Bonds to Sell, due start of T+2 315 Government Bonds to Sell, due start of T+3 316 Government Bonds to Sell, due start of T+4 317 Government Bonds to Sell, due start of T+5 318 Government Bonds to Sell, due start of T+6 319 Government Bonds to Sell, due start of T+7 320 Government Bonds to Sell, due start of T+8 321 Rates 322 Business Loans - Fixed Rate 323 Business Loans - Floating Rate 324 Retail Loans - Fixed Rate 325 Mortgage Loans 326 Corporate Current Account Deposits 327 Retail Current Account Deposits 328 Savings Account Deposits 329 2-quarter Fixed Deposits 330 8-quarter Fixed Deposits 331 Advertising 332 Ads, Retail Loans 0.00.4.3 0.00 ...) . 0.00 0.00 0.00 0.00 0.00 0.00 0.00.45 0.00.4.3 9.30% 4.00% 11.00% 9.00% 0.00% 0.00% 5.00% 6.00% 7.50% 9.00% 3.70% 10.70% 8.70% 0.00% 0.00% 6.00% 7.00% 8.50% 150.00.4.3 150.00.4.) AAAA Ann Summary Economy Market 1 Bank 1 + Ready Answer the following questions. Download the Excel file in Reports to answer the questions. Also consult the student manual available in the Help folder (top right) Rates on fixed, floating, installment and mortgage loans were reduced by 0.3 percent (from 9.3% to 9.0% etc.). Which loans, in percent change, were impacted the most and which the least? b. Rates on savings deposits, retail CDs and long-term retail deposits were increased by 1%. Which deposits, in percent change, were impacted the most and which the least? You put in $25,000 for reserve requirements. Why is the reserve requirement showing a different number? Explain. d. Explain the numbers under "excess reserves" and "discount window advances." 1 There are no interest rates for retail and corporate demand deposits. What likely factors can explain the change in volume of deposits? Answer the following questions. a. Rates on fixed, floating, installment and mortgage loans remained the same. Which loans, in percent, were impacted the most and which the least? b. Rates on savings deposits, retail CDs and long-term retail deposits were increased by 1%. Which deposits, in percent, were impacted the most and which the least? c. Explain the numbers under "Reserve requirements," "Excess reserves" and "Discount window advances." Q0 Q1 19,699.06.. 50 19,824 0 0 0.00.. . 0.00 0.00.J.) 186,385.17.4.2 89 ,250,950 210,925.11.4.3 274,286.69 4.3 226,161.91.2 13% 9% 5% 2% 216,402.47.4.) 216,025.61 . 219,728.38 120,000.00 120,000.00 US 14,739.00.4.3 3,731.62.4.3 14,370.53.2 4,177.97.4.2 . . 1,081,119.14 . . 1,020,470.58 25,000.00.4. 50,000.00 97,296,85 3 105,099 Summary Balance Sheet ASSETS Required Reserves (at the Bahrain Central Bank) Excess Reserve Balances Interbank Lending (at BHIBOR) Business Loans - Fixed Rate Business Loans - Floating Rate Retail Loans - Fixed Rate Mortgages - Fixed Rate Government Bonds Fixed Assets Allowances for Impairment TOTAL ASSETS LIABILITIES Interbank Borrowing (at BHIBOR) Retail Current Account Deposits Corporate Current Account Deposits Wholesale Deposits Savings Account Deposits 2.quarter Fixed Deposits 8-quarter Fixed Deposits Discount Window Advances Net Worth and Retained Earnings TOTAL LIABILITIES AND NET WORTH Income and Expense Report CURRENT REVENUE Fee Income Retail Current Account Deposits Corporate Current Account Deposits Interest Income Business Loans - Fixed Rate Summary Economy Market 1 149,000.00 . 129,327,18 99,193.71.4.) 93,145.67 132,000.00.4.3 121,504.77.4.) 202,554.92...) 220,948.26 174,396.20.4. 179,576.48 .. 76,754.41.. 61,450.21.4. 91,269.72 92,572.01. 1,020,470.58 ... 1,081,119.14.. 7% -6% 13% 6% 9% 3% QO Q1 488.98...) 297.58.4.2 525.50 279.44.4.3 NII Interest Income 4,737.26.4.3 23,135.364.0 10,252.024. 4,327.16., Bank 1 + QO Q1 488.98.U. 50 525 . 297.58 279.44.4.3 NII Interest Income 4,737.26.2.3 23,135.36) 10,252.02.). 4,327.16.4. . 5,145.85 . . 5,515.62 5,885.75 0,5 6,099.48.4. . 24 4,855 1,869.00 . 4,913.99 1,8G9.00 0.00..) 0.00 0.00.. 0.0 22,869.57...) . 23,940,29 Income and Expense Report CURRENT REVENUE Fee Income Retail Current Account Deposits Corporate Current Account Deposits Interest Income Business Loans - Fixed Rate Business Loans - Floating Rate Retail Loans - Fixed Rate Mortgages - Fixed Rate Government Bonds Interbank Lending (at BHIBOR) Short-term Gain from Government Bonds TOTAL REVENUE CURRENT EXPENSES Interest Expense Interbank Borrowing (at BHIBOR) Retail Current Account Deposits Corporate Current Account Deposits Wholesale Deposits Savings Account Deposits 8-quarter Fixed Deposits 2 quarter Fixed Deposits Discount Window Advances Impairment Allowances Advertising Retail Loans Mortgages Retail Current Account Deposits Corporate Current Account Deposits us Depasier Interest Expense 12,883.34...) 264.38..) 0.00) 528.75 0.00) . 6.0 . 1,725.90 . 0.00 . 18 .1,948 1,518.81.4.3 3,269.93. 3,038.32..) 1,771.11.) 1,939.91.. 3,437.842.5 3,610.70... 1,417.96.) 1,255.26.3 49 ,1,080 130.00 60.00 380.00) 150.00.4. 80.00...) . 420.00 . . 50.00 . . 610.00 250.00 290.00 580.00.4.3 290.00.4. 610.00 250.00 290.00 . 50.00 140.00 60.00.4.3 613.97.4.3 55.00 579.21.4.3 27.50 ..) 465.96.4.5 656.73.7.) 819.36.. 671.24.) 30.00.4) 650.01.4.3 802.40.4.3 890.44.4.3 710.77.4.3 30.00.45 562.01 Corporate Current Account Deposits 2-quarter Fixed Deposits Savings Account Deposits 8-quarter Fixed Deposits Other Non-interest Operating costs Deposit Insurance Premium Interbank Funding (at BHIBOR) Business Loans - Fixed Rate Business Loans - Floating Rate Retail Loans - Fixed Rate Mortgages - Fixed Rate Government Bonds Retail Current Account Deposits Corporate Current Account Deposits DD Costs Offset by Excess Reserves Wholesale Deposits Savings Account Deposits 2-quarter Fixed Deposits 8-quarter Fixed Deposits Fixed Operating costs Other Transaction Costs Restructuring Charges TOTAL EXPENSES NET CURRENT OPERATING EARNINGS Taxes on Current Earnings Realized (Long-term) Capital Gains Taxes Applicable to Capital Gains Total Taxes TOTAL NET INCOME 522.64 310.69 0.00 279.44.4.3 . . 0.00 . . 55.00 36.30.4. . . 321.28 362.43.4.3 202.44.4.3 . . 115.69 101.28.4.5 87.20.4. 0.00.4) 120.08.4.3 0.00.4.3 19,188.42.4.) 3,681.16.4.) 1,288.40.4.3 0.00 .. 743.48.4.) 15.11.. 0.00.4.3 21,936.77.4.3 2,003.52.. 701.23 0.00.. 0.00 . . 0.00 1,288.40.4.2 701.23.4.3 1,302.29.7.) 2.392.75 Rank Balance Sheet on 01 20 Q1 . 50. 19,824 19,699.06.4.2 0.00.4.3 . . 0.00 0.00.4.3 0.00.4.3 4.23% 4.23% 186,385.17.4.3 9.30% . . 210,925.11 9.00% 121,945.01.4.3 4.00% 129,005.88.4.1 4.00% 129,005.88.4. 4.00% 145,280.81 .. 3.70% . 55,248.11 55,915.17.4.3 11.00% Bank Balance Sheet ASSETS Required Reserves Excess Reserves Interbank Lending (at BHIBOR) BHIBOR (Rate) Business Loans - Fixed Rate Business Loans - Fixed Rate (Rate) Business Loans - Floating Rate, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) Retail Loans - Fixed Rate, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) T+3 T+3 (rate) T+4 T+4 (rate) Mortgages - Fixed Rate, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) T+3 T+3 (rate) T+4 T+4 (rate) Summary Economy Market 1 11.00% 55,915.17.4.3 11.00% . . 49,567.59 11.00% . . 49,567.59 .. 55,671.60 11.00% 55,671.60 11.00% 65,007.55.4.1 10.70% 11.00% 28,587.07 .. 53. 26,809 9.00% 9.00% 26,809.53 28,051.55 9.00% 9.00% .. 28,051.55 . . 28,887.73 9.00% 9.00% 28,887.73 . . 21,510.51 9.00% 9.00% Bank 1 + .. 21,510.51 . 26,171.02 9.00% 9.00% 26,171.02 . 29,772.73 9.00% 9.00% . 29,772.73 . . 26,235.46 9.00% 9.00% . 235.46 ,26 32,289.85 9.00% 8.70% T+5 T+5 (rate) T+6 T+6 (rate) T+7 T+7 (rate) T+8 T+8 (rate) Government Bonds, maturing start of: T+1 T+2 T+3 T+4 T+5 T+6 T+2 T+8 Fixed Assets Allowances for Impairment TOTAL ASSETS LIABILITIES Interbank Borrowing (at BHIBOR) Interbank Borrowing (BHIBOR rate) Current Account Deposits Retail Retail (rate) Corporate Corporate (rate) Wholesale Deposits, maturing start of: T+1 T+1 (rate) . . 15,000.00 15,000.00 15,000.00 15,000.00 . . 15,000.00 . . 15,000.00 . . 15,000.00 . . 15,000.00 . . 15,000.00 15,000.00 . . 15,000.00 15,000.00 . . 15,000.00 . 15,000.00 15,000.00 . 15,000.00 14,739.00 14,370.53 . . 3,731.62 4,177.97 1,020,470.58 . . 1,081,119.14 25,000.00 50,000.00 4.23% 4.23% . . 97,796.85 105,099.34 0.00% 0.00% 99,193.71 .. 67 93,145 0.00% 0.00% 33,000.00 . . 33,000.00 5.23% 5.23% 33,000.00 . 33,000.00 5.23% 5.23% . . 33,000.00 33,000.00 5.23% 5.23% 33,000.00 . . 50,000.00 5.23% 5.23% 121,504.77 . . 18. 129,327 5.00% 6.00% . . 100,195.26 102,359.66 6.00% 6.00% . 102,359.66 . 118,588.60 6.00% 7.00% . . 23.133.43 . . 296.18 ,22 T+2 T+2 (rate) T+3 T+3 (rate) T+4 T+4 (rate) Savings Account Deposits Savings Account Deposits (rate) 2-quarter Fixed Deposits, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) 8-quarter Fixed Deposits, maturing start of: T+1 T+1 (rate) T+2 T+2 (rate) T+3 T+3 (rate) T+ T+4 (rate) T+5 T+5 (rate) T+6 T+6 (rate) T+ T+7 (rate) T+8 T+8 (rate) Discount Window Advances 7.50% 7.50% . . 18. 22,296 762.15 ,20 7.50% 7.50% 20,762.15 . 201.33 ,21 7.50% 7.50% . . 201.33 ,21 . . 21,324.05 7.50% 7.50% .. 21,324.05 . . 21,457.20 7.50% 7.50% . . 21,457.20 21,802.59 7.50% 7.50% 21,802.59 22,419.27 7.50% 7.50% . . 22,419.27 28,313.71 7.50% 8.50% . 76,754.41 . . 61,450.21 Summary Economy Market 1 Bank 1 + 9.23% 9.23% 91,269.72.4.3 .. 92,572.01 . . 1,081,119.14 . . 1,020,470.58 QO Q1 120,000.00 ...) 120,000.00 120,757.63.9. . 120,757.63 . . 1,000.00 1,000.00 . . 15,000.00 15,000.00.4.3 1,004,94 1,004.94 .. 4.23% 179 Discount Window Advances (rate) 180 EQUITY CAPITAL 181 Net Worth and Retained Earnings 182 TOTAL LIABILITIES AND NET WORTH 183 184 Government Bond Portfolio Report 185 Book Value of Portfolio 186 Market Value of Portfolio 187 Maturing start of: 188 Quarter 189 Market Price (T) 190 Bank Holdings 191 Quarter T+1 192 Market Price (T+1) 193 Market Yield (T+1) 194 Coupon Amount (T+1) 195 Bank Holdings 196 Quarter T+2 197 Market Price (T+2) 198 Market Yield (T+2) 199 Coupon Amount (T+2) 200 Bank Holdings 201 Quarter T+3 202 Market Price (T+3) 203 Market Yield (T+3) 204 Coupon Amount (T+3) 205 Bank Holdings 206 Quarter T+4 207 Market Price (T+4) 208 Market Yield (T+4) 209 Coupon Amount (T+4) 62.30 15,000.00 4.23% 62.30.4. 15,000.00.4.3 .. 1,006.87 .. 1,006.87 4.83% 62.30.4.- 4.83% 62.30.4. 15,000.00 .. . 15,000.00 1,008.77 5.03% 62.30.4.) 1,008.77 .. 5.03% 62.30.4.) 15,000.00 . . 15,000.00 68 1,009 . 68. 1,009 5.23% 62.30.4.3 5.23% 62.30.4. Summary Economy Market 1 Bank 1 + and 15,000.00 . 15,000.00 . 1,009,00 . 1,009.00 5.48% 5.48% 62.30.4.2 . . 62.30 15,000.00 15,000.00 . 1,007.13 1,007.13 5.73% 5.73% 62.30.4.3 62.30.4.) . . 15,000.00 . 15,000.00 . 1,004.12 1,004.12 5.98% 62.30.9.) 5.98% 62.30.4) 15,000.00 15,000.00 210 Bank Holdings 211 Quarter T+5 212 Market Price (T+5) 213 Market Yield (T+5) 214 Coupon Amount (T+5) 215 Bank Holdings 216 Quarter T+6 217 Market Price (T+6) 218 Market Yield (T+6) 219 Coupon Amount (T+6) 220 Bank Holdings 221 Quarter T+7 222 Market Price (T+7) 223 Market Yield (T+7) 224 Coupon Amount (T+7) 225 Bank Holdings 226 Quarter T+8 227 Market Price (T+8) 228 Market Yield (T+8) 229 Coupon Amount (T+8) 230 231 232 Price Per Share 233 Current quarter 234 Prior quarter 235 Market Value of Equity 236 Current quarter 237 Prior quarter 238 Book Value of Equity 239 Current quarter 240 Prior quarter Summary . . 1,000.00 . . 1,000.00 6.23% 62.30.4.) 6.23% 62.30.2.5 Capitalization Report Qo Q1 108.35.4.3 110.34.4.3 92.77.4.) 108.35.4.3 . . 108,346.33 .. 110,339.95 . 92,773.60 . . 108,346.33 91,269.72.. . . 92,572.01 91,269.72 91,269.72.4.3 Economy Market 1 Bank 1 + + Ready 1,000,000 1,000,000 1,000,000 1,000,000 0 0 0 0 0.00.4.3 0.00.4.3 0.00.4.3 0.00 0 0 0 0 . . 0.00 0.00.4.3 0.00.4.- 0.00.. . 0.00 241 Number of Shares Outstanding 242 Current quarter 243 Prior quarter 244 Number of shares Sold by Management 245 Current quarter 246 Prior quarter 247 Price of Shares Sold by Management 248 Current quarter 249 Prior quarter 250 Number of shares Sold by Regulators 251 Current quarter 252 Prior quarter 253 Price of Shares Sold by Regulators 254 Current quarter 255 Prior quarter 256 Dividends Paid 257 Current quarter 258 Prior quarter 259 Net Total Assets 260 Current quarter 261 Prior quarter 262 Risk-weighted Assets 263 Current quarter 264 Prior quarter 265 Basel Tier I Ratio 266 Current quarter 267 Prior quarter 268 Basel Tier I+II Ratio 269 Current quarter 270 Prior quarter 271 Capital/Asset Ratio Summary Economy Ready 0.00.4.3 0.00.. 0.00.4.- . 1,081,119.14 1,020,470.58 1,008,415.50.9.1 1,020,470.58.4.3 776,490.34 835,608.42.9. 776,490.34.4.3 765,026.29.4. 11.75% 11.93% 11.08% 11.75% 12.23% 12.37% 11.58% 12.23% Market 1 Bank 1 + 8.94% 9.05% 8.56% 8.94% QO Q1 . 188,092.02 156.40.4.) 0.08% 0.15% 186,385.17.4.3 197.01.us 0.11% 0.18% 270.56 . 380.03 . 01. 121,945 . 123,134.93 257.07 0.21% 0.34% 208.69.4.3 0.17% 0.34% 934.21.4.3 848.62 272 Current quarter 273 Prior quarter 274 275 Loan Performance Report 276 Business Loans - Fixed Rate 277 Matured Last Quarter (BHD 1,000s) 278 Defaulted (BHD 1,000s) 279 Percent Defaulted 280 Percent Nonperforming 281 Nonperforming (BHD 1,000s) 282 Business Loans - Floating Rate 283 Matured Last Quarter (BHD 1,000s) 284 Defaulted (BHD 1,000s) 285 Percent Defaulted 286 Percent Nonperforming 287 Nonperforming (BHD 1,000s) 288 Retail Loans - Fixed Rate 289 Matured Last Quarter (BHD 1,000s) 290 Defaulted (BHD 1,000s) 291 Percent Defaulted 292 Percent Nonperforming 293 Nonperforming (BHD 1,000s) 294 Mortgage Loans - Fixed Rate 295 Matured Last Quarter (BHD 1,000s) 296 Defaulted (BHD 1,000s) 297 Percent Defaulted 298 Percent Nonperforming 299 Nonperforming (BHD 1,000s) 300 TOTAL 301 TOTAL Matured Last Quarter (BHD 1,000s) 302 TOTAL Defaulted (BHD 1,000s) Summary Economy Market 1 Ready 91. 48,385 291.88.4.3 0.60% 1.10% 2,375.32.9. 55,248.11.4.3 385.24.4.2 0.70% 1.15% . 2,610.14 .. 26,206.97 .. 28,587.07 16.58.9.) 0.06% 0.11% 237.12.4.3 17.97.4.) 0.06% 0.12% 253.59.4.2 . . 385,819.83 . 392,165.36 721.93.2.5 808.90.U. Bank 1 + 721.93.. 808.90.4.3 4,177.97.4.3 3,731.62 Qo Q1 0.00.4.3 . . 0.00 25,000.00 0.00 . . 25,000.00 . . 0.00 50,000.00 0.00.. 0.00.4) 33,000.00 . . 15,000.00 0.00 . . 0.00 50,000.00 15,000.00 0.00.4.3 0.00.4.3 . . 0.00 302 TOTAL Defaulted (BHD 1,000s) 303 TOTAL Nonperforming (BHD 1,000s) 304 305 Decisions 306 Quantities 307 Target Reserves for Deposits 308 Interbank Lending (at BHIBOR) 309 Interbank Borrowing (at BHIBOR) 310 90-day Wholesale Deposits to Issue 311 180-day Wholesale Deposits to Issue 312 360-day Wholesale Deposits to Issue 313 New 8-quarter Government Bonds to Purchase 314 Government Bonds to Sell, due start of T+2 315 Government Bonds to Sell, due start of T+3 316 Government Bonds to Sell, due start of T+4 317 Government Bonds to Sell, due start of T+5 318 Government Bonds to Sell, due start of T+6 319 Government Bonds to Sell, due start of T+7 320 Government Bonds to Sell, due start of T+8 321 Rates 322 Business Loans - Fixed Rate 323 Business Loans - Floating Rate 324 Retail Loans - Fixed Rate 325 Mortgage Loans 326 Corporate Current Account Deposits 327 Retail Current Account Deposits 328 Savings Account Deposits 329 2-quarter Fixed Deposits 330 8-quarter Fixed Deposits 331 Advertising 332 Ads, Retail Loans 0.00.4.3 0.00 ...) . 0.00 0.00 0.00 0.00 0.00 0.00 0.00.45 0.00.4.3 9.30% 4.00% 11.00% 9.00% 0.00% 0.00% 5.00% 6.00% 7.50% 9.00% 3.70% 10.70% 8.70% 0.00% 0.00% 6.00% 7.00% 8.50% 150.00.4.3 150.00.4.) AAAA Ann Summary Economy Market 1 Bank 1 + Ready
