note: find the risk and the profitability ratio and the 8key financial ratios of the three years

2019 2018 2017 9.964 6.363 4.431 6 30.371 23.81 0 4.812 23.928 42.965 0 68.337 0.414 4.646 113.732 -22.17 91.562 -45.461 -29.615 25.391 -0.409 -2.922 50.301 -15.232 35.069 1.621 -0.764 78.925 - 14.732 64.193 -30.31 -20.277 13.6061 2 3 CONSOLIDATED STATEMENT OF INCOME 4 CONTINUING OPERATION 5 Interest income Investment income - net 7 Gain on bargain purchase of a subsidiary 8 Fees and commissions- net 9 Foreign currency gains-net 10 Share of result associates- net 11 TOTAL INCOME 12 Interest expenses 13 operating income before expenses and provisions 14 salaries and benefits 15 Genaral and administrative expenses 16 operating income before provisions and tax 17 Impairment loss on investments 18 provision for losses against unfunded participation 19 Expected credit losses reversals (provision) 20 profit before tax from continuing operations 21 Taxation-net 22 Profit after tax from continuing operations 23 Discntinued operations 24 Net profit from discntinued operations 25 Net profit before reclassification adjustments 26 Reclassification adjustments 27 PROFIT(loss) FOR THE YEAR 28 NET PROFIT ATTRIBUTABLE TO NON-CONTROLLING INTERESTS 29 NET PROFIT (loss) ATTRIBUTABLE TO SHAREHOLDERS OF THE PARENT -15.862 -9.73 16.486 9.477 0 0 -0.462 0 0 -0.805 -2.306 10.495 0.095 10.59 1.615 18.101 -2.027 16.074 0 2.895 0 -1.018 5.102 0 0 0 0.524 3.268 8.37 0 11.114 0 0 11.114 16.074 4.654 11.42 87.765 -79.395 0.455 1.021 10.093 -79.85 2019 2018| 2017 71.369 CONSOLIDATED STATEMENT OF FINANCIAL POSITION ASSETS Demand and call deposits with bank Placements with banks Investment carried at fair value through statement of income investment carried at fair value through profit and loss investment carried at fair value through other comprehensive income investment carried at amortised cost Non-trading investment Loans and receivables Other assets investment in associates investment properties Property and equepment Goodwill and other intangible assets TOTAL ASSETS LIABILITIES Due to banks and other financial institutions Deposite from customer Loans payable Long term bonds Other liabilities TOTAL LIABILITIES EQUITY Share capital Share premium statutory reserve General reserve Fair value reserve Foregin currency translation reserve Retained earning CAPITAL AND RESERVES ATTRIBUTABLE TO THE SHAREHOLDERS OF THE PARENT Perpetual tier 1 capital Non-controling interestes in equity TOTAL EQUITY TOTAL LIABILITIES AND EQUITY 236.11 0 97.778 131.048 0.28 0 27.778 62.933 75.774 102.713 51.849 65.591 923.223 0 307.784 22.647 36.875 131.948 90.965 590.219 0 116.132 5.687 52.032 31.763 -6.009 -4.569 15.911 210.947 33 89.057 333.004 923.223 143.511 97.993 108.529 68.577 0 19.268 81.852 0 167.647 0 0.494 0 0 221.566 25.191 4.216 61.097 31.82 71.513 77.512 107.629 105.093 39.394 1.679 66.634 52.39 873.49 680.114 0 0 220.879| 250.211 32.608 31.018 67.033 98.658 131.739 0 106.375 37.358 558.634 417.245 0 0 101.132| 101.132| 5.687 5.687 50.89 49.881 30.621 29.612 -10.1211 12.867 -4.534 -3.871 13.318 7.659 186.993 202.967 33 94.863 26.902 314.856 262.869 873.49 680.114 33 A B 2,019 D 2,017 2,0181 18.101 -79.395 0 0 11.019 0 -0.5241 0 10.4951 0 87.765 -3.268 5.102 0 0 18.101 0 0 3.479 -4.646 2.105 0.764 0 0 0.797 2.922 2.895 0.462 -3.902 0 0 0 1.615 0 0 0 8.617 -9.964 -7.294 0 CONSOLIDATED STATEMENT OF CASH FLOWS OPERATING ACTIVITIES Net (loss)Profit before tax Reclassificatin adjustment Net profit from discountinued operations Net profit for the year from continuing opreation Profit before tax from continuing operations ADJUSTMENTS FOR NON-CASH ITEMS: Depreciation and amortisation Share of results of associates- net Provision for doubtful loans-net Impairment loss on investment (GAIN)loss on investment carried at fair value through statement of income Expected credit losses (reversals)/provisions Provision for losses against unfunded participation (Gain)loss on investment carried at fair value throug profit and loss Interest income Gain on fair valuation of investment properties Gain on sale of an associate and subsidiaries Gain on sales of non-trading investment Interest expense Dividend income other non-cash items Taxation Gain due to reclassification of investment loss on sale of an associate Gain on bargain purchase of a subsidiary operating profit before changes in operating assets and liabilities CHANGES IN OPERATING ASSETS AND LIABILITIES: Placements with banks with original maturities of more than ninety days Investments carried at fair value through profit and loss Investments carried at fair value through other comprehensive income Investments carried at amortised cost Non-trading investment Loans and receivables Other assets Due to banks and other financial institutions Deposites from customers Other liabilities 0 2.306 0.805 0.794 -6.363 -0.124 0 0 14.732 -1.669 0 0 -23.81 -2.732 -2.668 4.369 15.232 -1.907 ol 22.17 -4.196 0 0 0 -0.719 1.018 0 -0.664 0 0 0 -0.031 0.5231 -23.9281 0.409 0 0 -14.65 6.754 0 0 6.845 29.812 -0.284 -7.308 29.224 0.214 -15.5261 0.142 51.804 0 0 0 0 -1.299 -4.6261 86.905 -9.961 -10.395 0 187.165 -3.472| 1178.46 7.805 74.289 29.332 -476.011 1.591 -954.192 -4.81 -13.924 0 9.922 18.543 4.196 -0.2 0.524 6.415 -14.01 1.669 -0.2 3.268 28.687 -26.279 1.907 -0.2 -0.195 24.982 -0.195 0 84.404 0 3.008 0 0 -8.247 0.384 0 -2.106 0 Net assets of disposal group classified as held for sale Interest recevied Interest paid Dividend income Donations Directors remuneration Net cash from operating activities INVESTING ACTIVITIES Deferred consideration paid on acquisition of a subsidiary investments in associates -net investment properties-net Property and equipment-net Investment in subsidiaries-net of cash acquired NET CASH USED IN INVESTING ACTIVITIES FINANCING ACTIVITIES Share capital issued Repayment of loans interest payment on tier 1 capital securities Repayment of subordinated debt long term bonds NET CASH (USED IN) FROM FINANCING ACTIVITIES Foreign currency translation adjustment Movement in non-controlling intrests NET CHANGE IN CASH AND CASH EQUIVALENTS Cash and cash equivalents at 1 january CASH AND CASH EQUIVALENTS AT 31 DECEMBER -9.669 0 15 -30.158 -3.513 0 0 0 5.137 681.837 0 -1.035 -1.793 29.641 -23.568 0 -20.224 710.443 0 0 0l -277.7751 -31.6251 -553.467 -3.513 -3.513 0 -50 131.739 0 96.601 -884.755 0.422 33.605 -8.631 -75.09 71.176 -190.815 166.252 357.067 237.428 0 0 -18.671 -0.4 -0.208 55.1561 237.428 292.584 risk 2019 2018 2,017 credit risk liquidity risk price risk interest rate risk capital risk 2019 2018 2017 0.03% 0.02% 0.03% profitability ratios BROA ROE net interest margin 1 net noninterest margin 2 net operting margin 3 earnings spread ENPM 5 AU SEM 2019 2018 2017 38 key financial ratios efficency ratio operating leverage 1 non-interest income 2 loan loss provision% nonperforming loans% 4 tier 1 risk-adjusted capital ratio 5 ROA 5 ROE 2019 2018 2017 9.964 6.363 4.431 6 30.371 23.81 0 4.812 23.928 42.965 0 68.337 0.414 4.646 113.732 -22.17 91.562 -45.461 -29.615 25.391 -0.409 -2.922 50.301 -15.232 35.069 1.621 -0.764 78.925 - 14.732 64.193 -30.31 -20.277 13.6061 2 3 CONSOLIDATED STATEMENT OF INCOME 4 CONTINUING OPERATION 5 Interest income Investment income - net 7 Gain on bargain purchase of a subsidiary 8 Fees and commissions- net 9 Foreign currency gains-net 10 Share of result associates- net 11 TOTAL INCOME 12 Interest expenses 13 operating income before expenses and provisions 14 salaries and benefits 15 Genaral and administrative expenses 16 operating income before provisions and tax 17 Impairment loss on investments 18 provision for losses against unfunded participation 19 Expected credit losses reversals (provision) 20 profit before tax from continuing operations 21 Taxation-net 22 Profit after tax from continuing operations 23 Discntinued operations 24 Net profit from discntinued operations 25 Net profit before reclassification adjustments 26 Reclassification adjustments 27 PROFIT(loss) FOR THE YEAR 28 NET PROFIT ATTRIBUTABLE TO NON-CONTROLLING INTERESTS 29 NET PROFIT (loss) ATTRIBUTABLE TO SHAREHOLDERS OF THE PARENT -15.862 -9.73 16.486 9.477 0 0 -0.462 0 0 -0.805 -2.306 10.495 0.095 10.59 1.615 18.101 -2.027 16.074 0 2.895 0 -1.018 5.102 0 0 0 0.524 3.268 8.37 0 11.114 0 0 11.114 16.074 4.654 11.42 87.765 -79.395 0.455 1.021 10.093 -79.85 2019 2018| 2017 71.369 CONSOLIDATED STATEMENT OF FINANCIAL POSITION ASSETS Demand and call deposits with bank Placements with banks Investment carried at fair value through statement of income investment carried at fair value through profit and loss investment carried at fair value through other comprehensive income investment carried at amortised cost Non-trading investment Loans and receivables Other assets investment in associates investment properties Property and equepment Goodwill and other intangible assets TOTAL ASSETS LIABILITIES Due to banks and other financial institutions Deposite from customer Loans payable Long term bonds Other liabilities TOTAL LIABILITIES EQUITY Share capital Share premium statutory reserve General reserve Fair value reserve Foregin currency translation reserve Retained earning CAPITAL AND RESERVES ATTRIBUTABLE TO THE SHAREHOLDERS OF THE PARENT Perpetual tier 1 capital Non-controling interestes in equity TOTAL EQUITY TOTAL LIABILITIES AND EQUITY 236.11 0 97.778 131.048 0.28 0 27.778 62.933 75.774 102.713 51.849 65.591 923.223 0 307.784 22.647 36.875 131.948 90.965 590.219 0 116.132 5.687 52.032 31.763 -6.009 -4.569 15.911 210.947 33 89.057 333.004 923.223 143.511 97.993 108.529 68.577 0 19.268 81.852 0 167.647 0 0.494 0 0 221.566 25.191 4.216 61.097 31.82 71.513 77.512 107.629 105.093 39.394 1.679 66.634 52.39 873.49 680.114 0 0 220.879| 250.211 32.608 31.018 67.033 98.658 131.739 0 106.375 37.358 558.634 417.245 0 0 101.132| 101.132| 5.687 5.687 50.89 49.881 30.621 29.612 -10.1211 12.867 -4.534 -3.871 13.318 7.659 186.993 202.967 33 94.863 26.902 314.856 262.869 873.49 680.114 33 A B 2,019 D 2,017 2,0181 18.101 -79.395 0 0 11.019 0 -0.5241 0 10.4951 0 87.765 -3.268 5.102 0 0 18.101 0 0 3.479 -4.646 2.105 0.764 0 0 0.797 2.922 2.895 0.462 -3.902 0 0 0 1.615 0 0 0 8.617 -9.964 -7.294 0 CONSOLIDATED STATEMENT OF CASH FLOWS OPERATING ACTIVITIES Net (loss)Profit before tax Reclassificatin adjustment Net profit from discountinued operations Net profit for the year from continuing opreation Profit before tax from continuing operations ADJUSTMENTS FOR NON-CASH ITEMS: Depreciation and amortisation Share of results of associates- net Provision for doubtful loans-net Impairment loss on investment (GAIN)loss on investment carried at fair value through statement of income Expected credit losses (reversals)/provisions Provision for losses against unfunded participation (Gain)loss on investment carried at fair value throug profit and loss Interest income Gain on fair valuation of investment properties Gain on sale of an associate and subsidiaries Gain on sales of non-trading investment Interest expense Dividend income other non-cash items Taxation Gain due to reclassification of investment loss on sale of an associate Gain on bargain purchase of a subsidiary operating profit before changes in operating assets and liabilities CHANGES IN OPERATING ASSETS AND LIABILITIES: Placements with banks with original maturities of more than ninety days Investments carried at fair value through profit and loss Investments carried at fair value through other comprehensive income Investments carried at amortised cost Non-trading investment Loans and receivables Other assets Due to banks and other financial institutions Deposites from customers Other liabilities 0 2.306 0.805 0.794 -6.363 -0.124 0 0 14.732 -1.669 0 0 -23.81 -2.732 -2.668 4.369 15.232 -1.907 ol 22.17 -4.196 0 0 0 -0.719 1.018 0 -0.664 0 0 0 -0.031 0.5231 -23.9281 0.409 0 0 -14.65 6.754 0 0 6.845 29.812 -0.284 -7.308 29.224 0.214 -15.5261 0.142 51.804 0 0 0 0 -1.299 -4.6261 86.905 -9.961 -10.395 0 187.165 -3.472| 1178.46 7.805 74.289 29.332 -476.011 1.591 -954.192 -4.81 -13.924 0 9.922 18.543 4.196 -0.2 0.524 6.415 -14.01 1.669 -0.2 3.268 28.687 -26.279 1.907 -0.2 -0.195 24.982 -0.195 0 84.404 0 3.008 0 0 -8.247 0.384 0 -2.106 0 Net assets of disposal group classified as held for sale Interest recevied Interest paid Dividend income Donations Directors remuneration Net cash from operating activities INVESTING ACTIVITIES Deferred consideration paid on acquisition of a subsidiary investments in associates -net investment properties-net Property and equipment-net Investment in subsidiaries-net of cash acquired NET CASH USED IN INVESTING ACTIVITIES FINANCING ACTIVITIES Share capital issued Repayment of loans interest payment on tier 1 capital securities Repayment of subordinated debt long term bonds NET CASH (USED IN) FROM FINANCING ACTIVITIES Foreign currency translation adjustment Movement in non-controlling intrests NET CHANGE IN CASH AND CASH EQUIVALENTS Cash and cash equivalents at 1 january CASH AND CASH EQUIVALENTS AT 31 DECEMBER -9.669 0 15 -30.158 -3.513 0 0 0 5.137 681.837 0 -1.035 -1.793 29.641 -23.568 0 -20.224 710.443 0 0 0l -277.7751 -31.6251 -553.467 -3.513 -3.513 0 -50 131.739 0 96.601 -884.755 0.422 33.605 -8.631 -75.09 71.176 -190.815 166.252 357.067 237.428 0 0 -18.671 -0.4 -0.208 55.1561 237.428 292.584 risk 2019 2018 2,017 credit risk liquidity risk price risk interest rate risk capital risk 2019 2018 2017 0.03% 0.02% 0.03% profitability ratios BROA ROE net interest margin 1 net noninterest margin 2 net operting margin 3 earnings spread ENPM 5 AU SEM 2019 2018 2017 38 key financial ratios efficency ratio operating leverage 1 non-interest income 2 loan loss provision% nonperforming loans% 4 tier 1 risk-adjusted capital ratio 5 ROA 5 ROE