BS by tyndale

VIEWS: 26 PAGES: 3

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                                A                         B
1
2
3 CONSOLIDATED BALANCE SHEET
4                                                     February 04
5                                                     K' Million
6 ASSETS
7 Notes and Coins                                          107,488
8 Balances with Bank of Zambia                             648,830
9 OMO and collateral Deposits                                  6,877
10 Balances with Financial Institutions in Zambia          177,676
11 Balances with Financial Institutions Abroad           1,144,373
12 Investment in Government Securities                   1,454,557
13 Investment in securities                                251,911
14 Loans and Leases                                      1,424,555
15 Less: Allowances for loan losses (ALL)                     67,688
16 Net Loans and leases                                  1,356,867
17 Bills of Exchange                                           1,002
18 Inter-branch                                               41,264
19 Fixed Assets                                            172,952
20 Other Assets                                            320,698
21 TOTAL ASSETS                                          5,684,494
22 SHAREHOLDERS' FUNDS & LIABILITIES
23 Demand Deposits                                       2,826,822
24 Savings Deposits                                        699,632
25 Time Deposits                                           532,114
26 Total Deposits                                        4,058,568
27 Balances Due to Bank of Zambia                             18,669
28 Balances Due to Financial Institutions in Zambia        105,615
29 Balances Due to Financial Institutions Abroad           185,578
30 Bills of Exchange                                            108
31 Inter-branch                                               48,633
32 Other Liabilites                                        546,782
33 Other Borrowed Funds                                       80,882
34 Total Liabilities                                     5,044,834
35 SHAREHOLDERS' FUNDS
36 Paid Share Capital                                         57,068
37 Share premium                                               2,529
38 Retained Earnings (loss)                                424,468
39 Current year Profit (loss)                                 32,663
40 Revaluation reserves (Fixed Assets)                        73,118
41 Statutory reserves                                         41,090
42 Other Reserves                                              8,725
43 Total Reserves                                          582,592
44 SHAREHOLDERS' FUNDS                                     639,660
45 SHAREHOLDERS' FUNDS & LIABILITIES                     5,684,494
46
47 Off balance sheet                                       505,437
48
49 Gross Non-performing Loans                                 81,018
50 Provision                                                  37,732
51 Net                                                        43,286
52 20 Largest Deposits                                           -
53         Demand A/c                                    1,006,368
54         Savings A/c                                        12,893
55         Time A/c                                        116,220
56         Call A/c                                           29,529
57 Total                                                 1,165,010
58                                                                     3/14/2010 3:07 AM
                                          A                                   B
1 TRENDS IN ZAMBIAN BANKS
2 APPENDIX 2A                                                                              K'million
3 CONSOLIDATED CAPITAL POSITION
4                                                                         February 04
5                                                                         K' Million
6 I. PRIMARY (TIER 1) CAPITAL
7 Paid-up Capital                                                               57,048
8 Share Premium                                                                   2,529
9 Retained earnings                                                            457,130
10 General reserves                                                               8,725
11 Statutory reserves                                                           41,090
12 Other Reserves                                                                      0
13 Minority interests in subsidiaries                                           11,883
14 Total Reserves                                                              509,494
15 Sub total                                                                   578,405
16 Deduct:
17 Goodwill and other intangible assets                                                0
18 Investments in unconsolidated subsidiaries and associates                      2,051
19 Lending of a capital nature to subsidiaries and associates                          0
20 Holding of other banks on financial institutions capital instruments                0
21 Assets pledged to secure liabilities                                                0
22 Sub total (A)                                                                  2,051
23 Other adjustments
24 Unrealised exchange gains                                                           0
25 Provision for loan losses                                                           0
26 Assets of Little or no realisable value                                        7,905
27 Other adjustments                                                              4,862
28 Total Other Adjustments                                                      12,767
29 Sub total (A) + (B)                                                          14,818
30 TOTAL PRIMARY CAPITAL                                                       563,587
31 MINIMUM REQUIRED
32 (Larger of K 2,000 or 5% of risk based assets)                              132,476
33 EXCESS (DEFICIENCY)                                                         431,111
34 II. SECONDARY (TIER 2) CAPITAL
35 Eligible preferred shares                                                           0
36 Eligible subordinated term debt                                              48,930
37 Eligible loan stock/capital                                                         0
38 Revaluation reserves ( 40% )                                                 29,248
39 Other ( Specify )                                                                   0
40 TOTAL SECONDARY CAPITAL                                                      78,178
41 EILIGIBLE SECONDARY CAPITAL                                                  78,178
42 ELIGIBLE TOTAL CAPITAL (Regulatory Capital)                                 641,765
43 MINIMUM CAPITAL REQUIREMENT                                                 257,799
44 EXCESS (DEFICIENCY)                                                         383,966
45 Risk Weighted Assets                                                      2,568,743
46
47 Tier 1                                                                           22
48 Total                                                                            25
                                A                            B

4 CONSOLIDATED CUMMULATIVE INCOME POSITION
5                                                        February 04
6                                                        K' Million
7 INTEREST INCOME                                            121,720
8 Loans and Overdrafts                                        44,950
9 From banks and financial institutions                        2,631
10 Total Securities                                           71,479
11 Treasury Bills                                             40,852
12 GRZ bonds                                                  30,339
13 Money Market                                                  288
14 Other Securities                                                0
15 Trading securities                                              0
16 Leasing                                                     2,239
17 credit/Debit cards                                              0
18 All other                                                     422
19 INTEREST EXPENSES                                          26,165
20 Deposits                                                   17,149
21 Demand                                                      3,384
22 Savings                                                     4,201
23 Time                                                        9,564
24 Paid to banks and other financial institutions              1,295
25 Loans                                                         915
26 Deposits                                                      380
27 Subordinated Debt                                           1,542
28 All other                                                   6,180
29 NET INTEREST INCOME                                        95,555
30 PROVISION                                                   3,338
31 General                                                     1,218
32 Specific                                                    2,120
33 NET INTEREST INCOME AFTER PROVISION                        92,218

34 NON-INTEREST INCOME                                        60,857
35 Commissions, fees and service charges/fees                 30,008
36 Foreign Exchange                                           25,911
37 Fees from foreign exchange transactions                     3,147
38 Realised trading gains (losses)                            15,148
39 Unrealised trading gains (losses) from f/x holdings         7,616
40 Dividend income                                                 0
41 All other                                                   4,938
42 TOTAL NET INCOME                                          153,075
43 NON-INTEREST EXPENSES                                     104,869
44 Salaries and employee benefits                             51,478
45 Occupancy Expenses                                          5,208
46 Equipment Expenses                                          5,695
47 Depreciation                                                5,152
48 Education and Training                                        820
49 Audit, legal & professional fees                            2,195
50 Insurance                                                   1,894
51 Frauds and forgeries                                        1,541
52 All other                                                  30,886
53 NET INCOME (LOSS) BEFORE TAX                               48,206
54 TAX                                                        12,308
55 NET INCOME AFTER TAX                                       35,898

								
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