19,754 employees
26 countries
9.1 million customers

Data as of December 31, 2017

  • Current
  • Archive

Key Financials - Consolidated Reports

    in KMAD
Business Activity 2017 2016 2015 2014
Customer Deposits 316,210,403 286,264,527 274,514,736 257,881,178
Customer Loans 285,995,046 271,627,179 252,918,815 255,056,498
Financial position 2017 2016 2015 2014
Total assets 475,660,126 428,766,067 411,078,692 401,843,640
Shareholder's Equity 50,801,049 47,411,083 41,229,157 40,401,978
Results 2017 2016 2015 2014
Net Interest Margin 12,908,326 11,612,899 11,400,934 11,026,273
Net Fee Income 4,786,997 4,418,274 4,040,284 3,875,165
Net Banking Income 21,644,776 19,673,327 18,997,018 19,449,755
General Operating Expenses -9,980,845 -9,142,898 -8,810,724 -8,508,773
Gross Operating Income 11,663,931 10,530,429 10,186,295 10,940,982
Cost of risk -2,168,124 -2,001,359 -2,217,045 -3,034,430
Net Income 6,583,965 5,653,125 5,300,168 5,140,484
Net Income Group Share 5,390,902 4,757,421 4,501,781 4,355,244

Key Financials - Consolidated Reports

     in KMAD
Business Activity 2013 2012 2011 2010 2009
Customer Deposits 237,607,910 227,019,046 218,815,270 201,447,928 194,705,935
Customer Loans 250,749,882 247,628,093 230,681,667 200,216,617 178,992,641
Financial position 2013 2012 2011 2010 2009
Total assets 385,579,553 368,304,877 343,452,049 306,655,319 290,347,222
Shareholder's Equity 37,935,183 35,394,656 30,280,097 28,025,283 24,782,219
Results 2013 2012 2011 2010 2009
Net Interest Margin 10,580,080 10,035,570 9,765,426 8,898,774 7,368,540
Net Fee Income 3,729,908 3,563,544 3,159,255 2,878,420 2,203,574
Net Banking Income 17,877,445 17,048,941 15,882,074 14,666,576 13,255,170
General Operating Expenses -7,947,805 -7,683,746 -7,202,298 -6,422,409 -5,405,289
Gross Operating Income 9,929,641 9,365,195 8,679,776 8,244,167 7,849,881
Cost of risk -1,866,633 -1,221,748 -749,701 -1,218,243 -988,329
Net Income 5,066,237 5,309,072 5,302,162 4,744,433 4,590,892
Net Income Group Share 4,141,115 4,500,769 4,458,745 4,102,489 3,940,837
  • Current
  • Archive

Key Financials - Parent Company Results

     in KMAD
Business Activity 20172016201520142013
Customer Loans 179,237,875174,926,696 164,250,424 170,228,295 168,897,359
Customer Deposits 225,368,841208,833,653 200,959,041 190,719,730 174,134,658
Financial position 20172016 2015 2014 2013
Total assets 319,371,242299,526,626 288,120,647 288,818,390 292,349,868
Share Capital 2,035,2722,035,272 2,035,272 2,035,272 2,035,272
Results 20172016 2015 2014 2013
Net Interest Margin7,010,5446,853,590 6,757,666 6,558,876 6,487,336
Net Fee Income 1,637,0341,493,767 1,355,911 1,269,742 1,265,049
Net Banking Income 11,502,72414,235,602 10,840,770 11,448,552 10,135,404
General Operating Expenses 4,507,7474,285,515 4,121,966 3,926,742 3,736,322
Gross Operating Income 7,304,09310,111,707 6,725,514 7,444,684 6,389,526
Net Operating Income6,291,8048,698,642 5,207,730 5,437,246 4,826,841
Net Income 4,158,0116,935,048 3,665,418 3,544,114 3,289,487

Key Financials - Parent Company Results

    in KMAD
Business Activity2012201120102009
Customer Loans 167,656,801 157,605,524 138,803,053 122,321,368
Customer Deposits 171,916,418 165,590,451 157,047,962 154,216,342
Financial position 2012201120102009
Total assets 276,166,523 253,328,494 227,460,112 225,880,310
Share Capital 2,012,431 1,929,960 1,929,960 1,929,960
Results2012201120102009
Net Interest Margin 6,414,629 6,321,953 5,821,124 4,944,102
Net Fee Income 1,252,387 1,132,225 1,073,729 998,756
Net Banking Income 9,665,297 8,973,062 8,238,233 7,050,577
General Operating Expenses 3,561,793 3,345,908 3,113,867 2,881,043
Gross Operating Income 6,154,718 5,640,845 5,163,029 4,826,692
Net Operating Income 5,005,394 4,629,248 4,353,283 4,289,323
Net Income 3,309,697 3,154,677 3,006,525 2,797,007