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REPUBLIC BANK (GUYANA) LIMITED
Financial Indicators for the quarter ended September 30, 2009
Qrt 4
1
1.1
1.2
1.3
14
1.4
Capital Adequacy
Capital / risk-adjusted assets
Tier 1 capital / risk-weighted assets
Tier 11 capital / risk-weighted assets
C
Capital
i l / totall assets
19.98%
19.38%
19.98%
6.90%
6 90%
2
2.1
2.2
2.3
Lending to connected parties*
Related party loans / total loans
Related party loans / capital base
Director exposure/related party exposure
1.34%
6.08%
13.30%
3
3.1
3.2
3.3
3.4
3.5
3.6
3.7
3.8
Asset composition
Business enterprise / total loans
Agriculture / total loans
Mining and quarry / total loans
Manufacturing / total loans
Services / total loans
Households / total loans
Top twenty borrowers/total exposure
Top twenty borrowers/capital base
5.91%
9.71%
1.42%
6.33%
25.84%
50.79%
17.69%
228.09%
4
Asset quality
4.1 Nonperforming loans / total loans
4.2 Nonperforming loans / total assets
4.3 Nonperforming net of provisions / capital and reserves
4.4 Nonperforming
and reserves
p
g loans / capital
p
4.5 Provision for loan losses / nonperforming loans
4.6 Total on balance sheet assets / capital and reserves
4.7 Gross loans / deposits
4.8 Gross loans / total assets
4.9 Risk weighted assets/total assets
4.10 Contingent liabilities / total assets
4.11 Large exposure/capital base
1.79%
0.48%
2.06%
5.69%
63.79%
1181.28%
30.65%
26.96%
33.98%
1.60%
228.09%
5
Earnings and profitability
5.1 Return on assets
5.2 Return on equity
q y
5.3 Net interest income / gross income
5.4 Net interest income / operating income
5.5 Non-interest income / operating income
5.6 Operating expenses / operating income
5.7 Foreign exchange gain / operating income
5.8 Interest expense / interest income
5.9 Non-interest income / operating expenses
5.10 Personnel expenses / operating expenses
5.11 Earnings assets / average total assets
5.12 Non-interest expenses / gross income
p
p
5.13 Personnel expenses
/ non-interest expenses
5.14 Net operating income / average total assets
5.15 Operating expenses / average total assets
5.16 Operating expenses / total income
5.17 Interest rate spread (Prime lending rate - Small s/v rate)
2.10%
25.06%
61.57%
153.51%
57.73%
111.23%
37.55%
18.20%
51.90%
48.70%
76.88%
45.16%
48.12%
0.78%
0.86%
44.62%
6.48%
6 Liquidity
6.1 Interest expense / average earning assets
0.35%
6.2 Net interest income / average earning assets
1.57%
6.3 Liquid assets / total assets
54.20%
6.4 Liquid assets / total demand and time liabilities
211.99%
6.5 Deposits / total loans
326.29%
6.6 Deposits / total loans and investments
117.23%
6.7 Deposits / total assets
87.98%
* Related parties include directors, senior officers and shareholders with 20% or more shares.