N’million

Gross earnings

745,189

Interest Income

474,628

Interest Expense

(216,637)

Net Interest Income

257,991

Fees and commission Income

90,143

net trading income

157,974

other operating income

22,444

impairment charges on financial assets

(98,227)

net interest income after impairment charge on financial assets

159,764

Personnel expense

(64,459)

Other operating expense

(148,346)

Amortization of intangible assets

(1,631)

Depreciation on property and equipment

(12,428)

profit before tax

203,461

Minimum tax

(4,350)

income tax

(21,178)

profit after tax

177,933

Fair value movements on equity instruments

(2,551)

gain on available foreign currency translation differences for foreign operations

5,233

Total compressive income

180,615

earnings per share ( Kobo)

566

N’million

Gross earnings

169,192

Interest Income

142,618

Interest Expense

(46,720)

Net Interest Income

95,898

Fees and commission Income

20,837

net trading income

1,712

other operating income

4,025

impairment charges on financial assets

(4,573)

net interest income after impairment charge on financial assets

91,325

Personnel expense

(15,566)

Other operating expense

(43,917)

Amortization of intangible assets

(526)

Depreciation on property and equipment

(3,889)

profit before tax

54,001

Minimum tax

 - 

income tax

(6,922)

profit after tax

47,079

Fair value movements on equity instruments

1,250

gain on available foreign currency translation differences for foreign operations

3,532

Total compressive income

51,861

earnings per share ( Kobo)

150