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Dialuna, 18 Februari 2019                                      AWEMainta                                                                     5





        Aruba Bank shows continuous growth in market share in 2018
        The pioneer bank maintains position of largest commercial bank in Aruba.


        Aruba Bank started out on a good path in 2018! A continued leadership position, a brand with remarkable market
          presence, an innovative spirit, engaged employees dedicated to delivering a superior experience, set the tune for
        another record year for Aruba Bank.

          A year marked by an increased focus on the customer and the strengthening of their experience along their journey
        with Aruba Bank to ensure a continued Superior Experience.

        We hereby express our sincere gratitude for the unwavering support and trust from all our stakeholders, customers
           and employees who have made us the pioneer bank on the island, with a total market share of 44%.


        Summary of consolidated statement of nancial position as at December 31, 2018



                              Assets                                                          2018               2017

                              Cash resources                                                519.242            440.081
                              Investment securities                                         227.982            221.821

                              Loans and advances to customers                             1.426.396          1.307.050

                              Premises and equipment                                          58.435            62.110

                              Other assets                                                    36.676            32.052

                              Total Assets                                             2.266.731          2.063.114



                                                                                                                  2017
                               Shar
                               Shar
                                                                                                                  2017
                                                                                               2018
                                                                                               2018
                               Shareholder’s equity and liabilitieseholder’s equity and liabilitieseholder’s equity and liabilities  2018  2017
                                                                                             320.976
                                                                                                                281.527
                                                                                                                281.527
                                                                                             320.976
                               Shareholder                                                   320.976            281.527
                               Shareholder
                               Shareholder’s equity’s equity’s equity
                               Due to other banks                                               5.549              8.322
                               Due to other banks
                               Due to other banks
                                                                                                5.549
                                                                                                                   8.322
                                                                                                                   8.322
                                                                                                5.549
                                                                                                              1.732.942
                                                                                                              1.732.942
                                                                                           1.895.304
                                                                                           1.895.304
                               Deposits from customers
                               Deposits from customers                                     1.895.304          1.732.942
                               Deposits from customers
                                                                                              44.902
                                                                                              44.902
                               Other liabilities
                               Other liabilities
                               Other liabilities                                              44.902             40.323
                                                                                                                 40.323
                                                                                                                 40.323
                              T T
                                                                                                           2.063.114
                                                                                        2.266.731
                                                                                        2.266.731
                                                                                                           2.063.114
                              Total shareholder’s equity and liabilitiesotal shareholder’s equity and liabilitiesotal shareholder’s equity and liabilities  2.266.731  2.063.114
        Summary of consolidated statement of income 2018
                                                                                             2018               2017
                              Result from banking activities                               118.037             113.693
                              Other operating income                                          3.414              2.847
                              Operating income                                          121.451             116.540
                              Personnel, general and administrative expenses               (57.678)            (53.990)
                              Depreciation                                                   (9.160)            (9.136)
                              Operating expenses                                        (66.838)            (63.126)
                                                                                             (3.196)             1.940
                              Net operating income                                        51.417              55.354

                                                                                             (9.882)           (12.518)

                              Net income                                                  41.535              42.836






         For additional information please visit us at:
         https://www.arubabank.com/aboutus/annual-report.
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