	Group			Bank
	2009	2008	VAR	2009	2008	VAR
	USD'000	USD'000	%	USD'000	USD'000	%
Profit & Loss

Gross Earnings	1,916,989	1,780,364	8%	1,756,932	1,599,340	10%

Profit Before Taxation	242,544	472,096	-49%	219,509	411,856	-47%

Profit After Taxation	142,429	437,379	-67%	126,957	391,372	-68%


Balance Sheet
Loans and Advances	4,641,077	3,869,598	21%	4,476,662	3,593,820	25%

Advances Under Finance Lease	36,829	39,221	-6%	35,324	33,484	5%

Deposit Liabilities	7,852,288	10,103,733	-22%	7,433,632	9,896,233	-25%

Shareholders' Funds	2,259,485	2,945,746	-23%	2,196,541	2,876,618	-24%

Total Assets	11,101,692	15,186,927	-27%	10,523,049	14,277,851	-26%