20,125 employees
25 countries
9.7 million customers

Data as of December 31, 2018

  • Current
  • Archive

Key Financials - Consolidated Reports

    in KMAD
Business Activity 2018 FTA 2017 2017 2016
Customer Deposits 332,005,586 316,210,403 316,210,403 286,264,527
Customer Loans 305,059,677 279,682,245 285,995,046 271,627,179
Financial position 2018 FTA 2017 2017 2016
Total assets 509,925,715 471,474,889 475,660,126 428,766,067
Shareholder's Equity 50,471,394 46,058,720 50,801,049 47,411,083
Results 2018 2017 2017 2016
Net Interest Margin 13,994,695 12,908,326 12,908,326 11,612,899
Net Fee Income 5,034,348 4,786,997 4,786,997 4,418,274
Net Banking Income 22,370,716 21,644,776 21,644,776 19,673,327
General Operating Expenses -10,713,108 -9,980,845 -9,980,845 -9,142,898
Gross Operating Income 11,657,608 11,663,931 11,663,931 10,530,429
Cost of risk -1,723,565 -2,168,124 -2,168,124 -2,001,359
Net Income 6,735,205 6,583,965 6,583,965 5,653,125
Net Income Group Share 5,706,129 5,390,902 5,390,902 4,757,421

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 2018201720162015
Customer Loans 192,683,277179,237,875 174,926,696 164,250,424
Customer Deposits 234,507,882225,368,841 208,833,653 200,959,041
Financial position 20182017 2016 2015
Total assets 350,620,082319,371,242 299,526,626 288,120,647
Share Capital 2,098,5972,035,272 2,035,272 2,035,272
Results 20182017 2016 2015
Net Interest Margin7,346,3777,010,544 6,853,590 6,757,666
Net Fee Income 1,812,3261,637,034 1,493,767 1,355,911
Net Banking Income 12,186,55511,502,724 14,235,602 10,840,770
General Operating Expenses 4,717,4334,507,747 4,285,515 4,121,966
Gross Operating Income 7,539,9827,304,09310,111,707 6,725,514
Net Operating Income6,480,0236,291,804 8,698,642 5,207,730
Net Income 4,603,9834,158,011 6,935,048 3,665,418

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