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The Bank's performance

Key Financial Indicators

The financial data on NLB Tutunska banka’s operation are displayed in accordance with the legal regulations applied in the Republic of Macedonia and with the International Financial Reporting Standards  (IFRS).

Key financial indicators on the basis of revised unconsolidated financial statements, prepared in compliance with the legal regulations applied in the Republic of Macedonia
 
Income statement (in million MKD)20072008200920102011
Net interest income1,4781,8351,7511,8381,803 
Net non-interest income6459501,1521,0551,254 
Operating expenses1,0361,3071,7291,6361,801 
Profit prior to taxation627742455473661 
Profit for the year553677443471660 
 
Balance sheet (in million MKD)20072008200920102011
Total assets42,47551,05754,93962,65961,556 
Loans to non-financial sector22,70030,17230,65533,42036,006 
Deposits of non-financial sector27,35436,46141,86446,94245,770 
Capital and reserves3,7624,5684,3484,5955,024 
 
Main indicators (%)20072008200920102011
Return on Equity (ROE) gross22.8721.3511.6611.8015.58 
Return on Assets (ROА) gross1.741.560.890.801.06 
Cost/Income48.8147.1158.9356.5558.91 
Capital adequacy12.9013.5713.0513.1613.48 
 
Key financial indicators on the basis of revised unconsolidated financial statements, prepared in compliance with the International Financial Reporting Standards (IFRS)
 
Income statement (in million MKD)20072008200920102011
Net interest income1,4781,8351,7511,8331,803 
Net non-interest income6458439911,0521,242 
Operating expenses1,0361,2981,5871,6691,830 
Profit prior to taxation631741444473660 
Profit for the year557676433471658 
 
Balance sheet (in million MKD)20072008200920102011
Total assets42,46851,04955,00762,70561,667 
Loans to non-financial sector22,70030,17229,85132,93035,359 
Deposits of non-financial sector27,35436,46140,38345,75544,158 
Capital and reserves3,7554,5614,3314,3945,008 
 
Main indicators (%)20072008200920102011
Return on Equity (ROE) gross23.1021.3511.5412.1215.96 
Return on Assets (ROА) gross1.761.590.840.801.06 
Capital adequacy12.9013.5713.0513.1613.48 
 
Official exchange rate of NBRM (at the end of the year) 20072008200920102011
EUR 1=MKD61.2061.4161.1761.5161.51 
USD 1=MKD41.6643.5642.6746.3147.53 
 
Note:
1) The operating indicators have been calculated on the basis of the average status of the Bank’s capital and assets.