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                                A                         B
1
2
3 CONSOLIDATED BALANCE SHEET
4                                                     April 04
5                                                     K' Million
6 ASSETS
7 Notes and Coins                                         134,732
8 Balances with Bank of Zambia                            721,280
9 OMO and collateral Deposits                                 11,429
10 Balances with Financial Institutions in Zambia         178,969
11 Balances with Financial Institutions Abroad           1,054,632
12 Investment in Government Securities                   1,625,561
13 Investment in securities                               251,632
14 Loans and Leases                                      1,641,694
15 Less: Allowances for loan losses (ALL)                     77,309
16 Net Loans and leases                                  1,564,385
17 Bills of Exchange                                           1,418
18 Inter-branch                                               63,883
19 Fixed Assets                                           171,330
20 Other Assets                                           297,715
21 TOTAL ASSETS                                          6,076,967
22 SHAREHOLDERS' FUNDS & LIABILITIES
23 Demand Deposits                                       3,089,761
24 Savings Deposits                                       738,195
25 Time Deposits                                          622,424
26 Total Deposits                                        4,450,380
27 Balances Due to Bank of Zambia                             13,581
28 Balances Due to Financial Institutions in Zambia       136,894
29 Balances Due to Financial Institutions Abroad          236,167
30 Bills of Exchange                                            104
31 Inter-branch                                               46,194
32 Other Liabilites                                       482,876
33 Other Borrowed Funds                                       77,437
34 Total Liabilities                                     5,443,633
35 SHAREHOLDERS' FUNDS
36 Paid Share Capital                                         58,068
37 Share premium                                               2,548
38 Retained Earnings (loss)                               404,676
39 Current year Profit (loss)                                 45,774
40 Revaluation reserves (Fixed Assets)                        73,216
41 Statutory reserves                                         45,535
42 Other Reserves                                              3,519
43 Total Reserves                                         575,266
44 SHAREHOLDERS' FUNDS                                    633,334
45 SHAREHOLDERS' FUNDS & LIABILITIES                     6,076,967
46
47 Off balance sheet                                      596,285
48
49 Gross Non-performing Loans                             100,857
50 Provision                                                  77,229
51 Net                                                        23,628
52 20 Largest Deposits
53         Demand A/c                                    1,122,305
54         Savings A/c                                        12,988
55         Time A/c                                       152,432
56         Call A/c                                           15,157
57 Total                                                 1,302,882
58                                                                     3/5/2011 8:47 AM
                                          A                                   B
1 TRENDS IN ZAMBIAN BANKS
2 APPENDIX 2A                                                                              K'million
3 CONSOLIDATED CAPITAL POSITION
4                                                                          April 04
5                                                                         K' Million
6 I. PRIMARY (TIER 1) CAPITAL
7 Paid-up Capital                                                              58,048
8 Share Premium                                                                   2,529
9 Retained earnings                                                           466,368
10 General reserves                                                               4,183
11 Statutory reserves                                                          45,535
12 Other Reserves                                                                      0
13 Minority interests in subsidiaries                                          12,120
14 Total Reserves                                                             518,634
15 Sub total                                                                  588,782
16 Deduct:
17 Goodwill and other intangible assets                                                0
18 Investments in unconsolidated subsidiaries and associates                      1,948
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)                                                                  1,948
23 Other adjustments
24 Unrealised exchange gains                                                           0
25 Provision for loan losses                                                           0
26 Assets of Little or no realisable value                                        8,601
27 Other adjustments                                                              3,960
28 Total Other Adjustments                                                     12,561
29 Sub total (A) + (B)                                                         14,509
30 TOTAL PRIMARY CAPITAL                                                      574,273
31 MINIMUM REQUIRED
32 (Larger of K 2,000 or 5% of risk based assets)                             149,670
33 EXCESS (DEFICIENCY)                                                        424,602
34 II. SECONDARY (TIER 2) CAPITAL
35 Eligible preferred shares                                                           0
36 Eligible subordinated term debt                                             48,568
37 Eligible loan stock/capital                                                         0
38 Revaluation reserves ( 40% )                                                29,029
39 Other ( Specify )                                                                   0
40 TOTAL SECONDARY CAPITAL                                                     77,597
41 EILIGIBLE SECONDARY CAPITAL                                                 77,597
42 ELIGIBLE TOTAL CAPITAL (Regulatory Capital)                                651,870
43 MINIMUM CAPITAL REQUIREMENT                                                289,946
44 EXCESS (DEFICIENCY)                                                        361,924
45 Risk Weighted Assets                                                     2,890,504
46
47 Tier 1                                                                             20
48 Total                                                                              23
                                A                            B

4 CONSOLIDATED CUMMULATIVE INCOME POSITION
5                                                        April 04
6                                                        K' Million
7 INTEREST INCOME                                           289,361
8 Loans and Overdrafts                                      115,918
9 From banks and financial institutions                       5,549
10 Total Securities                                         161,384
11 Treasury Bills                                            86,498
12 GRZ bonds                                                 74,265
13 Money Market                                                  621
14 Other Securities                                                 0
15 Trading securities                                               0
16 Leasing                                                    5,422
17 credit/Debit cards                                               0
18 All other                                                  1,088
19 INTEREST EXPENSES                                         53,076
20 Deposits                                                  32,619
21 Demand                                                     6,911
22 Savings                                                    8,799
23 Time                                                      16,909
24 Paid to banks and other financial institutions             3,152
25 Loans                                                      2,551
26 Deposits                                                      601
27 Subordinated Debt                                          3,561
28 All other                                                 13,744
29 NET INTEREST INCOME                                      236,285
30 PROVISION                                                  9,219
31 General                                                    1,196
32 Specific                                                   8,023
33 NET INTEREST INCOME AFTER PROVISION                      227,066

34 NON-INTEREST INCOME                                      151,413
35 Commissions, fees and service charges/fees                80,250
36 Foreign Exchange                                          60,549
37 Fees from foreign exchange transactions                    7,909
38 Realised trading gains (losses)                           43,883
39 Unrealised trading gains (losses) from f/x holdings        8,757
40 Dividend income                                                  0
41 All other                                                 10,615
42 TOTAL NET INCOME                                         378,480
43 NON-INTEREST EXPENSES                                    276,834
44 Salaries and employee benefits                           136,325
45 Occupancy Expenses                                        12,885
46 Equipment Expenses                                        16,531
47 Depreciation                                              12,298
48 Education and Training                                     2,296
49 Audit, legal & professional fees                           5,797
50 Insurance                                                  4,257
51 Frauds and forgeries                                       1,964
52 All other                                                 84,481
53 NET INCOME (LOSS) BEFORE TAX                             101,646
54 TAX                                                       27,568
55 NET INCOME AFTER TAX                                      74,078

				
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