CALCULATE THE TOTAL STAFF EXPENSES FOR THE CURRENT YEAR

Audited Audited Current Year Prior Period Profitability Net operating profit/(loss) after tax ($'000) 3,891 7,536 As a percentage of average total assets 2.38% 5.13% Size - as at end of financial year Total assets ($'000) 165,539 161,463 The percentage change in total assets over 12 months 2.52% 22.08% Capital Adequacy - as at end of financial year Tier 1 Capital ($'000) 29.434 30,317 Tier 1 capital to total risk-weighted assets ratio 21.33% 22.20% Total Capital ($'000) 31,508 32,824 Capital adequacy ratio 22.83% 24.04%Balance Sheet The Balance Sheet for the Fiji Operations as prepared under the IFRSs should be (S'000) ($'000) reported here and should include, but should not be limited to, the following: Cash and liquid assets 5,218 4.788 Balance with the Reserve Bank of Fiji Receivables due from other financial institutions Securities held Loans (including advances to customers and similar facilities) 135,755 133,299 Provision for doubtful debts (5,472) (4,071) Fixed assets 2,666 2,987 Asset held for Sale 1,416 1,416 Available for sale financial assets 21,533 19,552 Investment Property 2,150 2,061 Intangible Asset 1,195 921 Prepayment & Other Receivables 1,078 510 Total Assets 165,539 161,463 Deposits of Promissory Notes of statutory bodies Payables due to other financial institutions Deposits and borrowings 124,005 118,131 Amounts owed to other depositors Certificates of deposits Promissory Notes and other liabilities evidenced by paper Other borrowed funds Others 7,254 8,418 Issued and paid up or assigned capital 30,000 28,500 Capital reserves Revaluation reserves 775 800 General reserves for credit losses 2,876 2,876 Other reserves Retained earnings 629 2,738Audited Audited Current Year Prior Period Asset Quality - as at end of financial year Total impaired assets (on- and off-balance sheet) ($000) 16,653 12,712 As a percentage of total assets 10.06% 7.87% Total individually assessed provisions ($000) 2,687 1,127 Total collectively assessed provisions ($'000) 2,785 2,944 Total provisions as a percentage of total impaired assets 32.86% 32.02% General reserves for credit losses ($00) 2,876 2,876 Peak Credit Exposure Concentrations - number of counterparties or groups of closely-related counterparties in relation to the total capital of the credit institution A 10% to 20% of total capital 20% to 25% of total capital Over 25% of total capital Peak Connected Persons Credit Exposures - for all connected persons Peak end-of -day credit exposure amount ($000) As a percentage of total capital 0.00% 0.00% K Maximum peak end-of-day aggregate credit exposure to all connected persons as a percentage of total capital 25.00% 25.00%Audited Audited Current Year Prior Period Income Statement The Income Statement for the Fiji Operations as prepared under the IFRSs should be ($'000) ($'000) reported here and should include, but should not be limited to, the following: Interest and similar income 21,675 20,209 Interest and similar expense (5,393) (4,273) Dividend income Fee and commission revenue 898 959 Fee and commission expense Other revenues arising from financial instruments Gains less losses arising from dealing securities Other expenses arising from financial instruments Gains less losses arising from investment securities Gains less losses arising from dealing in foreign currencies Other operating revenue 1 16 Bad and doubtful debts (including provisions for impairment) (6,383) (1,663) Recoveries of bad and doubtful debts 304 261 General administration expense Other operating expense (6,315) (6,093) Net profit/(loss) before tax 4,902 9,400 Net profit/(loss) after tax 3,891 7,536