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| Annual Reports |
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| Financial Highlights |
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| Selected financial data for the Bank, derived on the basis of its non-consolidated audited |
| financial statements, prepared in accordance with the International Financial Reporting Standards |
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in thousands of MKD |
| Income (for the period) |
2007 |
2006(1) |
2005 |
| Net income from interest |
1.478.371 |
1.182.374 |
935.977 |
| Net income from fees and commission |
464.418 |
361.433 |
325.308 |
| Profit before provisions and taxes |
1.087.249 |
917.832 |
754.889 |
| Profit before taxes |
631.183 |
482.305 |
419.032 |
| Net profit for the period |
556.775 |
404.277 |
363.096 |
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| Balance (end of year) |
2007 |
2006 |
2005 |
| Total assets |
42.468.411 |
29.450.265 |
22.436.504 |
| Loans to non-banking customers |
22.699.921 |
15.707.331 |
11.659.229 |
| Non-bank customer deposits |
27.354.371 |
18.542.382 |
12.737.369 |
| Borrowings from banks |
8.513.645 |
5.959.529 |
6.037.506 |
| Capital and reserves |
3.755.434 |
2.822.846 |
2.755.322 |
| Equity |
2.396.328 |
1.662.288 |
1.662.288 |
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| Operational ratios(2) |
2007 |
2006 |
2005 |
| ROA return on total assets (before taxes) |
1,76% |
1,86% |
2,15% |
| ROA return on total assets (after taxes) |
1,55% |
1,56% |
1,87% |
| ROE return on equity (before taxes) |
23,10% |
20,63% |
18,21% |
| ROE return on equity (after taxes) |
19,82% |
16,81% |
15,47% |
| Equity/Total assets |
6,16% |
6,23% |
8,17% |
| Capital adequacy |
12,90% |
12,17% |
14,44% |
| Cost/Income Ratio |
48,80% |
46,28% |
47,06% |
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| Facts and figures |
2007 |
2006 |
2005 |
| Number of shareholders |
532 |
532 |
295 |
| Number of shares |
785.621 |
693.866 |
693.866 |
| Dividend per share (in MKD) |
713 |
537 |
484 |
| Dividend /Nominal value per share |
71% |
54% |
48% |
| Dividend/Equity |
21,21% |
22,42% |
20,20% |
| Net profit/Number of shares |
781 |
583 |
523 |
| Number of employees |
564 |
436 |
359 |
| Number of Branches and Counters |
33 |
24 |
22 |
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| Official Central Bank rate (at year end) |
2007 |
2006 |
2005 |
| EUR 1=MKD |
61,20 |
61,17 |
61,18 |
| USD 1=MKD |
41,66 |
46,45 |
51,86 |
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| Note: |
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| 1) According to the application of IFRS in Macedonia, certain items of the income statement were reconciled |
| 2) Operational ratios have been calculated on the average balance of the Bank's capital and assets |
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