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	BANK
	2009	2008	2007	2006	2005
	N'000	N'000	N'000	N'000	N'000

ASSETS EMPLOYED

Cash and balances with central bank	115,044	232,267	141,981	151,380	42,202
Treasury bills	225,371	396,772	249,815	156,471	92,230
Loans and advances	669,261	422,874	223,007	201,971	125,663
Advances under finance lease	5,281	3,940	2,445	1,716	841
Investment securities	144,189	54,591	31,919	10,045	5,214
Investments in subsidiaries	36,096	16,935	13,605	4,537	925
Other assets	12,758	23,476	101,163	9,107	4,756
Propert and equipment	75,171	48,085	34,544	23,102	15,079
	1,573,196	1,680,032	883,941	610,769	332,885


Customers deposits	1,111,328	1,164,460	568,012	392,864	233,413
Claims payable	-	-	4,749	2,263	3,169
Borrowings	35,984	40,431	21,948	12,750	-
Current income tax	5,718	3,549	5,125	3,857	2,050
Other liabilities	88,683	131,207	170,088	98,184	56,013
Deferred income tax liabilities	3,100	1,902	1,186	450	450

	1,244,813	1,341,549	771,108	510,368	295,095

FINANCED BY
Share capital	12,559	8,372	4,633	4,587	3,000
Share premium	255,047	255,047	69,237	67,760	18,224
Share reserves	60,777	75,064	38,963	28,054	16,566
	328,383	338,483	112,833	100,401	37,790

Acceptances and guarantees	606,594	704,386	294,445	149,203	41,005

PROFIT AND LOSS ACCOUNT
Gross Earnings	254,147	190,120	89,194	58,222	34,913
Interest expense	(82,836)	(49,964)	(18,733)	(10,463)	(5,620)
Operating expenses	(103,410)	(81,321)	(45,107)	(31,298)	(18,153)
Loan loss expense	(36,148)	(9,879)	(2,065)	(1,307)	(1,975)

Profit before tax and extra-ordinary items	31,753	48,959	23,289	15,154	9,165
Extra-ordinary items	-	-	-	-	-

Profit before tax	31,753	48,939	23,289	15,154	9,165

Income tax	13,388	2,415	5,780	3,665	2,009

Profit after tax	18,365	46,524	17,509	11,489	7,156

Dividend proposed		28,466	9,266	6,600	4,200

Transfer to reserves	18,365	18,058	8,243	4,889	2,956

Earnings per share (basic):	73k	345k	189k	191k	136k
Earnings per share(adjusted):	73k	185k	105k	124k	119k

	BANK
	2008	2007	2006	2005	2004
	USD'000	USD'000	USD'000	USD'000	USD'000

ASSETS EMPLOYED

Cash and short term funds	9,423,436	4,488,899	2,844,329	1,362,901	921,675
Loans and advances	3,516,122	1,738,793	1,576,600	925,394	403,714
Other Facilities	49,301	37,450	17,866	23,937	-
Advances under finance lease	33,063	19,471	13,550	6,355	6,411
Other assets	252,134	118,197	71,885	35,929	24,911
Investments	597,431	362,599	115,116	46,378	33,475
Fixed assets	408,659	275,141	182,382	113,914	71,602
	14,280,147	7,040,549	4,821,728	2,514,808	1,461,788


FINANCED BY

Share capital	71,153	36,900	36,210	22,664	11,709
Share premium	2,167,532	551,470	534,930	137,676	-
Reserves for Small Scale Industries	31,693	29,703	29,440	19,493	14,100
Other reserves	606,249	280,640	192,036	105,653	92,711
Deposits	9,870,869	4,524,190	3,101,474	1,763,341	991,269
Other liabilities	1,142,735	1,354,741	775,114	423,158	339,667
Other Facilities	49,799	37,829	17,866	23,937	-
Taxation	30,162	40,818	30,451	15,487	10,314
Deferred taxation	16,161	9,447	3,552	3,399	2,018
Borrowings	293,792	174,813	100,655	-	-
	14,280,146	7,040,549	4,821,728	2,514,808	1,461,788

Acceptances and guarantees	5,986,271	2,345,239	1,177,888	309,774	165,635

Total assets plus contingents	20,266,418	9,385,788	5,999,616	2,824,581	1,627,424

Gross Earnings	1,615,364	710,424	459,634	263,757	180,955
Interest expense	(424,613)	(149,209)	(82,598)	(42,458)	(25,194)
Operating expenses	(723,182)	(361,517)	(247,084)	(137,142)	(104,327)

Loan loss expense	(51,649)	(14,204)	(10,318)	(14,920)	(3,003)

Profit before tax	415,919	185,494	119,634	69,236	48,430

Income tax	(20,524)	(46,035)	(28,936)	(15,176)	(9,180)

Profit after tax	395,395	139,460	90,699	54,060	39,250

Dividend proposed	-	73,799	52,104	31,729	16,393

Dividend	78,744	52,569	33,157	16,378	8,197

Transfer to reserves	474,139	118,229	71,752	38,709	31,053