Financial Indicators

Financial indicators on June 30th 2017

 

(000` USD)

6/30/2018 

12/31/2017

Balance sheet
Total assets 3,712,422 3,659,377
Loans and advances to customers 1,161,503 1,172,497
Investment securities 1,430,468 1,372,431
Customer deposits 2,939,477 2,867,899
Share capital 274,350 274,350
Total shareholder's equity 422,511 391,400
Performance indicators
Capital adequacy ratio 16.76% 14.28%
Return on average assets (RoAA) 1.99% 2.16%
Return on equity (RoE) 19.96% 20.51%
Non-performing loans / Total loans (PAR90) 4.74% 4.92%
Income statement
Net profit 29,232 58,877
Net interest margin 63,027 111,342
Non - interest income, net -202 8,057
Operating expenses -26,780 -48,178
Impairment of loans -1,251 -1,546
Human resources
Number of staff 1,298 1,292
Number of branches / agencies (*) 93 93
     
Exchange Rate - USD/Lek 108.13 111.1

 

(*) - As at June 30th 2018, there are 67 operative branches in Albania and 26 units in Kosovo.