Page 12 - Ecobank Gambia Annual Report 2020

Financial Statements & Annual Report

Highlights

2020 2019 %
D’000 D’000
Income Statement 19%
Profit before tax 487,649 408,452 21%
Post-tax profits 349,753 288,804 12%
Total Revenue 899,829 803,959 24%
Net interest income 449,315 360,959
Operating expenses 398,990 375,092 6%
Impairment 293%
Balance sheet 13,190 3,353
Total Assets 17%
Loans & Advances 10,904,073 9,290,911 (35%)
Customer Deposits 1,095,955 1,680,346
Equity 8,987,134 7,804,174 15%
Ratios 1,297,750 1,072,895 21%
Earnings Per Share (Bututs)
Return on Asset (ROA) 0.77 0.63 22%
Return on Equity (ROE) 4.5% 4.4% 2%
Capital Adequacy 37.6% 38.7%
Cost Income Ratio 34.1% 24.5% (3%)
Liquidity Ratio 44.3% 46.7% 39%
Non-Performing Loans (NPLs) 109.9% 94.6% (5%)
NPL Ratio 18,276 25,204 16%
Gearing Ratio 1.6% 1.5% (27%)
2.9% 4.2%
7%
(31%)

10 Ecobank Gambia Annual Report 2020 www.ecobank.com