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	Group	Group	Bank	Bank
	15 months 2009	15 months 2008	15 months 2009	15 months 2008
	N'm	N'm	N'm	N'm

Gross Earnings	277,300	211,639	259,147	190,120

Interest and similar income	193,545	138,737	186,019	137,814

Interest and similar expense	83,957	53,294	82,836	49,964

Net interest sncome	109,588	85,443	103,183	87,850

Fee and commission income	50,045	49,511	46,021	41,680

Foreign exchange trading income	19,687	6,174	17,369	5,427

Underwriting profit	2,345	2,472	-	-

Trusteeship income	42	51	-	-

Income from investments	1,326	3,444	484	-

Other income	5,205	7,147	4,254	5,199

Operating income	188,238	154,242	171,131	140,156

Operating expenses	113,288	87,562	103,410	81,321

Diminution in asset values	39,865	10,568	36,148	9,876

Profit before tax and extraordinary items	35,085	56,112	31,753	48,959

Extra-ordinary item	-	8	-	20

Profit before taxation	35,085	56,120	31,753	48,939

Taxation	14,482	4,127	13,388	2,415

Profit after taxation	20,603	51,993	18,365	46,524

Non controlling interest	(106)	(384)	-	-


Profit attributable to Group shareholders	20,497	51,609	18,365	46,524

APPROPRIATIONS

Statutory reserve	2,755	6,979	2,755	6,979
Contingency reserve	169	103	-	-
Retained earnings reserve	17,573	44,527	15,610	39,545
	20,497	51,609	39,546,242	46,524

Earnings per share (basic/diluted)	82k	383k	73k	345k
Earnings per share (adjusted)	82k	205k	73k	185k
Dividend per share (proposed/paid)	45k	170k	45k	170k

	Group	Group	Bank	Bank
	15 months 2009	12 months 2008	15 months 2009	12 months 2008
	USD'000	USD'000	USD'000	USD'000

Gross earnings	1,916,989	1,780,364	1,756,932	1,599,340

Interest and similar income	1,337,987	1,167,093	1,285,959	1,159,328

Interest and similar expense	(580,399)	(448,323)	(572,650)	(420,311)

Net interest income	757,588	718,770	713,309	739,017

Fee and commission income	345,964	416,500	318,146	350,623

Foreign exchange trading income	136,097	51,937	120,073	45,653

Underwriting profit	16,211	20,795	-	-

Trusteeship income	290	429	-	-

Income from investments	9,167	28,972	3,346	-

Other income	35,982	60,122	29,407	43,737


Operating Income	1,301,299	1,297,525	1,184,281	1,179,030

Operating expenses	(783,166)	(736,595)	(714,879)	(684,094)

Diminution in asset values	(275,589)	(88,901)	249,893	83,080

Profit before tax and extra-ordinary items	242,544	472,029	219,509	411,856

Extra-ordinary items	-	67	-	(168)

Profit before tax	242,544	472,096	219,509	(9,225)

Taxation	(100,115)	(34,717)	(92,552)	(20,316)

Profit after tax	142,429	437,379	126,957	391,372

Non controlling interest	(733)	(3,230)	-	-

Profit attributable to Group shareholders	141,696	434,149	126,957	391,372

APPROPRIATIONS

Statutory reserve	19,045	58,170	19,045	58,709

Contingency reserve	1,168	866	-	-

Retained earnings reserve	121,483	374,573	107,912	332,663

	141,696	434,149	126,957	391,372

Earnings per share (basic/diluted)	82k	383k	73k	345k
Earnings per share (adjusted)	82k	205k	73k	185k
Earnings per share (proposed/paid)	45k	170k	45k	170k