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Other Links   Balance Sheet as at 31 December 

RO  or  US
  Statement of Income and Retained Earnings

RO  or  US
Balance Sheet as at 31 December 

Amount in RO.'000
  2002   2001   2000   1999   1998   1997   1996   1995   1994   1993
Assets                                           
Cash and balances with                                     
Central banks 149,532   22,254   39,432   19,631   36,561   18,095   18,266   14,806   11,737   9,926
Treasury Bills 31,863   57,038   76,464   40,898   36,325   12,948   23,000   7,500   7,450   18,750
Government Securities 28,303   39,410   40,150   12,379   7,850   5,487   5,277   5,777   4,857   3,362
Placements with banks 65,409   93,767   145,619   77,237   33,955   121,667   62,538   63,660   50,131   41,678
Loans and advances 1,225,830   1,098,067   996,650   582,146   530,404   445,504   291,087   239,953   219,976   189,477
Investment securities 14,015   11,967   8,503   6,552   5,705   4,939   2,355   1,634   1,042   270
Tangible fixed assets 9,757   7,507   7,941   5,164   5,450   5,175   4,774   4,711   4,660   4,495
Other assets 17,726   16,446   22,206   2,724   2,744   2,446   1,791   1,918   1,637   2,001
                     
Total Assets 1,542,435 1,346,456 1,336,965 746,731 658,994 616,261 409,088 339,959 301,490 269,959
                     
Liabilities and Shareholders' Funds                                 
                      
Liabilities                                      
Deposits from banks 229,546   225,461   275,524   159,483   101,084   80,574   51,770   42,098   32,221   24,301
Customers' deposits 963,322   816,303   809,178   478,149   457,699   444,300   313,676   264,756   239,482   220,103
Certificates of deposit 95,471   73,748   40,802   1,319     -    -     -    -    -    -
Other liabilities 40,380   33,536   32,832   16,156   14,665   19,254   8,205   5,225   4,300   5,027
Taxation 6,353   3,366   3,045   1,833    -     -    -    -    -    -
Proposed dividends  -    -    -   6,000   7,500   5,000   5,000   2,700   3,600    -
Subordinated liabilities 54,010   66,910   66,910   21,290   21,290   15,900   3,000    -    -    -
  1,389,082 1,219,324 1,228,291 684,230 602,238 565,028 381,651 314,779 279,603 249,431
Shareholders' Funds                                      
Share capital 49,037   45,538   45,538   30,000   30,000   20,000   20,000   18,000   18,000   15,000
Share premium 4,482   177   -   -   -   -   -   -   -   -
Convertible Bonds 27,100   27,098   -   -   -   -   -   -   -   -
Proposed increase in share capital  -    -    -    -    -   16,501    -    -    -    -
Proposed issue of bonus shares 2,452    -    -    -    -   5,000    -   2,000    -   3,000
General reserve 15,500   11,382   11,382   5,000   4,000   3,000   2,000   1,500   1,000   450
Non-distributable reserves 37,473   37,200   32,520   22,955   19,309   5,479   3,828   3,094   2,487   2,043
Proposed dividends 7,356   4,904   9,107   -   -   -   -   -   -   -
Retained profit 9,953   833   10,127   4,546   3,447   1,703   1,609   586   400   35
  153,353   127,132   108,674   62,501   56,756   51,233   27,437   25,180   21,887   20,528
                     
Total Liabilities and Shareholders' Funds 1,542,435   1,346,456