Page 10 - Capricorn IAR 2020

GROUP AT A GLANCE FIVE-YEAR FINANCIAL OVERVIEW GROUP CHAIRMAN’S MESSAGE
FIVE-YEAR FINANCIAL OVERVIEW
Statement of Comprehensive Income (N$’000)
Total income
Operating profit*
Profit after tax
Total comprehensive income Earnings per share (cents) Headline earnings per share (cents) Dividends per share (cents)
Statement of financial position
Total assets
Total loans and advances to customers Total deposits
Net asset value per share (cents)
Performance indicators (%)
Return on average equity
Return on average assets
Impairment charges to average gross loans and advances Non-interest income as % of operating income
Cost to income ratio
Closing share price (cents) at 30 June
Price to book ratio at closing price per share
Price earnings ratio at closing price per share
Capital adequacy (%)
Total risk-based capital ratio
* Discontinued operations included for 2019
Total income (N$ million)
4,000 3,500 3,000 2,500 2,000 1,500 1,000
500 000
Five year CAGR
11.0% 5.8% 2.6% 3.5%
(0.2%) 0.9% (1.2%)
14.5% 11.2% 12.3% 11.1%
2016
2017
2018
2019
2020
2,411,946 1,171,014 905,048 938,513 181.2 181.2 66
2,647,682 1,194,679 917,621 931,055 180.4 181.6 68
3,044,065 1,168,117 934,435 986,240 180.7 157.9 60
3,492,357 1,325,772 1,015,299 1,023,901
181.6 181.5 66
3,505,610
1,300,362
856,412
926,827
40,078,622
148.6
39,323,264
157.2
1,232
50
32,333,653 42,920,914 47,433,686 50,677,955 26,598,023 33,433,922 36,234,418 38,049,583 23,724,128 31,571,561 33,948,091 36,984,725
856 1,003 1,099 1,136
56,338,126
22.9 19.5 3.0 2.4 0.24 0.19 40.6 38.5 50.2 53.9 1,724 1,809 2.01 1.80 9.5 10.0
17.3 16.3 2.1 2.1 0.23 0.30 41.3 40.2 60.6 60.8 1,723 1,600 1.6 1.4 9.5 8.8
12.6
1.6
0.76
44.5
59.4
1,399
1.1
9.4
15.8 16.8 15.4 14.9
14.7
Net asset value per share (cents)
1,500 1,200 900 600 300
80 70 60 50 40 30 20 10
10 8 6 4 2 0
Dividend per share (cents)
2016 2017 2018 2019 2020 Price-to-earnings (ratio)
1,500 1,200 900 600 300 0
2.5 2.0 1.5 1.0 0.5 0.0
2016
2017
2018
2019
2020
2016 2017 2018 2019 2020 Operating profit (N$ million)
2016 2017 2018 2019 2020
Price-to-book (ratio)
8
2016
2017
2018
2019
2020
2016 2017
2018 2019 2020
1.1
1,232
1,300 3,505
9.4
50