Half Yearly Report -18-
31 Agosto 2011 - 1:00AM
UK Regulatory
Tier 3 ratio 1.8% 1.7%
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Total capital adequacy ratio 13.5% 17.5%
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RBZ minimum required 10.0% 10.0%
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5. SEGMENT INFORMATION
For management purposes, the Bank is organised into four
operating segments based on products and services as follows:
Retail Banking - Individual customers deposits and consumer
loans, overdrafts, credit card facilities and funds transfer
facilities. Corporate Banking - Loans and other credit facilities
and deposit and current accounts for corporate and institutional
customers. Treasury - Money market investment, securities trading,
accepting and discounting of instruments and foreign currency
trading. International Banking - Handles the Bank's foreign
currency denominated banking business and manages relationships
with correspondent banks
Management monitors the operating results of its business units
separately for the purpose of making decisions about resource
allocation and performance assessment. Segment performance is
evaluated based on operating profit or loss which in certain
respects is measured differently from operating profit or loss in
the financial statements. Income taxes are managed on a Bankwide
basis and are not allocated to operating segments.
Interest income is reported net as management primarily relies
on net interest revenue as a performance measure, not the gross
income and expense.
Transfer prices between operating segments are on arm's length
basis in a manner similar to transactions with third parties.No
revenue from transactions with a single external customer or
counterparty amounted to 10% or more of the Bank's total revenue in
2011 and 2010.
5. SEGMENT INFORMATION
The following table presents income and profit and certain asset
and liability information regarding the bank's operating segments
and service units:
For the six months ended 30 June 2011
Retail Corporate International
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Banking Banking Treasury Banking Unallocated Total
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
US$ US$ US$ US$ US$ US$
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Income
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Third party 5 633 400 8 539 391 1 305 348 574 408 (104 580) 15 947 967
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Inter -
segment - - - - - -
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
---------- ------------- ----------- ----------- ------------ --------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Total
operating
income 5 633 400 8 539 391 1 305 348 574 408 (104 580) 15 947 967
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Impairment
losses on
loans and
advances (218 726) (1 127 337) - - - (1 346 063)
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------ -------------- ----------- --------- ------------ --------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Net operating
income 5 414 674 7 412 054 1 305 348 574 408 (104 580) 14 601 904
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------ -------------- ------------ ---------- ----------- ---------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Results
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Interest and
similar
income 1 859 651 6 621 780 820 517 - - 9 301 948
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Interest and
similar
expense (851 887) (2 855 342) - - - (3 707 229)
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------ ------------- ------------- ------------ ------------ -------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Net interest
income 1 007 764 3 766 438 820 517 - - 5 594 719
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------- -------------- ------------- ------------ --------- -------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Fee and
commission
income 3 773 749 1 917 610 (18 696) 574 408 - 6 247 071
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Fee and
commission
expense - - - - - -
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------- ------------ ------------ ----------- ------------ -------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Net fees and
commission
income 3 773 749 1 917 610 (18 696) 574 408 - 6 247 071
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------- ------------ ------------ ----------- ----------- -------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Depreciation
of property
and
equipment 125 875 15 038 6 323 5 363 103 407 256 006
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Segment
profit/ (3 490
(loss) 1 666 371 2 955 815 1 296 736 185 154 417) 2 613 659
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Income tax
expense - - - - - (723 521)
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
------------- ------------- ------------ ------------ --------------- -------------
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Profit/(loss) (3 490
for the year 1 666 371 2 955 815 1 296 736 185 154 417) 1 890 138
--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
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--------------- -------------- --------------- -------------- -------------- ---------------- ----------------
Retail Corporate International
------------- -------- ---------- --------- -------------- ------------ ------
Banking Banking Treasury Banking Unallocated Total
------------- -------- ---------- --------- -------------- ------------ ------
US$ US$ US$ US$ US$ US$
------------- -------- ---------- --------- -------------- ------------ ------
Assets and
Liabilities
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Capital 1 421
expenditure 490 499 117 457 36 443 49 833 727 015 247
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