| Nine Months Income statement dated 30 sept 2018 |
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US’000 |
N’000 |
| Gross earnings |
1,869,766 |
572657907 |
| Interest Income |
1,156,100 |
354,081,637 |
| Interest Expense |
-453,396 |
-138,862,726 |
| Net Interest Income |
702,704 |
215,218,911 |
| net trading income |
277,627 |
85,029,515 |
| other operating income |
57,519 |
17,616,488 |
| operating income |
1,366,952 |
418,659,806 |
| Operating profit before impairment charges |
531,181 |
162,686,132 |
| Operating profit after impairment charge |
314,268 |
96,251,645 |
| Profit before tax |
314,495 |
96,321,169 |
| income tax |
-67,935 |
-20,806,622 |
| profit after tax |
246560 |
75,514,547 |
| Profit for the period |
247,223 |
75,717,606 |
| earnings per share ( cents and Kobo) basic |
0.8 |
246 |
| earnings per share ( cents and Kobo) diluted |
0.8 |
245 |
Q1 Income statement dated 31 March 2018
| US’000 | N’000 | Gross earnings | 649,624 | 198,615,156 | Interest Income | 414,031 | 126,585,273 | Interest Expense | (165,933) | (50,732,129) | Net Interest Income | 248,098 | 75,853,144 | Net Fees and commission Income | 106267 | 32489928 | net trading income | 112,104 | 34,274,524 | other operating income | (1,506) | (460,442) | other operating income | - | - | operating income | 464,963
| 142,157,154 | Personnel expense | (123,904) | (37,882,240) | Depreciation and Amortization | (24,682) | (7,546,241) | Other Operating expense | (137,371) | (41,999,622) | operating expense | (285,957) | (87,428,103) | Operating profit before impairment charges | 179,006 | 54,729,051 | Net impairment loss | (68,156) | (20,837,922) | Operating profit after impairment charge | 110,850 | 33,891,129 | Profit before tax | 110,906 | 33,908,250 | income tax | (20,133) | (6,155,436) | profit after tax | 90,773 | 27,752,814 | Profit for the period | 91,135 | 27,863,491 | other comprehensive income/ ( loss ) | (135,694) | (41,486,819) | Total compressive income/ (loss ) | (44,559) | (13,623,328) | earnings per share (cents and Kobo) basic | 0.31 | 96.0 | earnings per share ( cents and Kobo) diluted | 0.31 | 95.0 |
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| Q3 Income statement dated 30 sept 2018 |
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US’000 |
N’000 |
| Gross earnings |
612,403 |
188069483 |
| Interest Income |
364,209 |
111,866,691 |
| Interest Expense |
-140,694 |
-43,216,863 |
| Net Interest Income |
223,515 |
68,649,829 |
| net trading income |
85,169 |
26,162,570 |
| operating income |
456,063 |
140,047,056 |
| Operating profit before impairment charges |
184,015 |
56,498,799 |
| Operating profit after impairment charge |
101,561 |
31,191,158 |
| Profit before tax |
101,661 |
31,221,837 |
| income tax |
-23,123 |
-7,100,018 |
| profit after tax |
78538 |
24,121,819 |
| Profit for the period |
78,679 |
24,165,213 |
| earnings per share ( cents and Kobo) basic |
0.25 |
79 |
| earnings per share ( cents and Kobo) diluted |
0.26 |
79 |
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