*878# iBank - GTBank Kenya

GUARANTY TRUST BANK (KENYA) LIMITED STATEMENT OF FINANCIAL POSITION AS AT 30TH SEPTEMBER 2015
I. STATEMENT OF FINANCIAL POSITION
BANK
31st Dec
31st Mar
30th June
30th Sept
30th Sept
2014
2015
2015
2015
2014
Shs ‘000
Shs ‘000
Shs ‘000
Shs ‘000
Shs ‘000
(Audited) (Un -Audited) (Un -Audited) (Un -Audited) (Un - Audited)
GROUP
31st Dec
31st Mar
30th June
30th Sept
2014
2015
2015
2015
Shs ‘000
Shs ‘000
Shs ‘000
Shs ‘000
(Audited) (Un -Audited) (Un -Audited) (Un -Audited)
150,913
1,931,207
-
201,413
2,200,388
-
184,178
3,443,856
-
247,695
4,633,174
-
199,931
1,567,228
-
840,868
1,931,207
-
768,299
2,200,388
-
753,660
3,443,856
-
881,200
4,633,174
-
614,875
1,567,228
-
-
-
-
-
-
-
-
-
-
-
2,450,042
43,756
3,016,651
24,230
2,650,054
23,517
3,139,732
26,153
2,471,227
-
2,450,042
2,761,897
3,016,651
4,302,275
2,650,054
2,390,907
3,139,732
3,241,442
2,471,227
2,026,516
5,455,836
230,910
1,602,769
7,091,607
160,948
1,872,666
7,300,951
152,257
733,323
3,649,549
145,790
1,626,248
4,140,755
152,493
3,035,297
5,455,836
230,910
1,602,769
7,091,607
160,948
1,872,666
7,300,951
152,257
733,323
3,649,549
145,790
1,626,248
4,140,755
152,493
3,035,297
775,772
2,714,396
30th Sept
2014
Shs ‘000
(Un -Audited)
A. ASSETS
1 Cash (both local and foreign)
2 Balances with Central Bank of Kenya
3 Kenya Government and other securities
held for dealing purposes
4 Financial Assets at fair value through
profit and loss
5 Investment Securities:
a).Held to Maturity:
i).Kenya Government securities
ii).Other securities
b). Available for sale
i).Kenya Government securities
ii).Other securities
6 Deposits and balances due from local
banking institutions
7 Deposits and balances due from
banking institutions abroad
8 Tax recoverable
9 Loans and advances to customers (net)
10 Balances due from banking institutions
in the group
11 Investments in associates
12 Investments in subsidiary companies
13 Investments in Joint Ventures
14 Investment properties
15 Property,plant and equipment
16 Prepaid lease rentals
17 Intangible assets
18 Deferred tax asset
19 Retirement benefit asset
20 Other assets
21 TOTAL ASSETS
B LIABILITIES
22 Balances due to Central Bank of Kenya
23 Customer deposits
24 Deposits and balances due to local
banking institutions
25 Deposits and balances due to foreign
banking institutions
26 Other money market deposits
27 Borrowed funds
28 Balances due to banking institutions
in the group
29 Tax payable
30 Dividends Payable
31 Deferred tax liability
32 Retirement benefit liability
33 Other liabilities
34 TOTAL LIABILITIES
C SHAREHOLDERS’ EQUITY
35 Paid up/Assigned capital
36 Share premium/(discount)
37 Revaluation reserves
38 Retained earnings/Accumulated Losses
39 Statutory Loan Loss Reserve
40 Other Reserves
41 Proposed dividends
42 Non controlling Interest
43 Capital grants
44 TOTAL SHAREHOLDERS’ EQUITY
45 TOTAL LIABILITIES AND
SHAREHOLDERS’ EQUITY
III. OTHER DISCLOSURES
1,963,528
2,009,781
1,125,935
995,035
3,009,200
3,747,723
2,886,763
3,535,562
10,678,396 12,440,594
1,311,022
306,301
10,893,074
188,884
11,207,219
206,161
12,374,541
32,536
29,538
55,649
17,625,632 19,347,818
- 1,032,324
17,622,459
237,844
18,288,203
206,161
19,890,159
32,536
2,165,747 2,432,747
455,771
501,376
37,148
257,518
17,914
11,953
796,398
510,006
28,103,601 32,991,926
2,432,747
517,906
240,065
26,169
569,651
31,366,413
2,737,026
537,269
261,166
19,867
606,931
30,169,915
2,737,026
525,658
250,999
40,860
638,249
29,161,835
1,046,998 1,174,519
70,363
617,405
151,523
299,148
950,197
605,509
37,862,176 45,554,406
1,215,564
577,021
220,117
786,550
41,832,286
1,256,798
591,174
207,286
963,973
41,717,493
1,278,738
581,477
223,112
1,014,064
40,564,039
16,090,711 17,734,223
970,617 2,068,770
16,951,760
434,900
16,581,418
226
16,061,675
-
27,936,344 29,449,780
970,617 2,068,770
26,545,098
434,900
27,351,078
226
26,962,924
-
896,940
1,235,154
1,389,604
946,482
1,055,522
902,162
1,253,181
1,688,110
1,127,828
1,175,862
200,589
2,568,452
196,026
4,011,256
200,589
4,477,192
195,976
4,321,048
200,640
3,476,257
273,767
-
272,024
4,014,082
277,249
4,477,192
277,287
4,321,048
288,923
3,476,257
83,011
35,203
554,720
546,261
21,365,040 25,826,893
93,763
550,315
24,098,123
16,877
437,791
22,499,818
32,355
11,922
547,298
21,385,669
83,011
35,200
54,942
136,049
849,228 1,159,859
31,070,071 38,388,945
93,785
22,068
1,094,099
34,632,501
16,877
54,506
940,196
34,089,046
32,355
70,039
823,624
32,829,984
1,276,480 1,276,480
3,608,917 3,888,534
(3,644)
(11,362)
1,790,442 1,934,477
66,366
76,904
6,738,561 7,165,033
28,103,601 32,991,926
1,276,480
3,888,534
(16,713)
2,032,408
87,581
7,268,290
31,366,413
1,276,480
4,192,814
(29,825)
2,154,503
76,125
7,670,097
30,169,915
1,276,480
4,192,814
(50,991)
2,280,887
76,976
7,776,166
29,161,835
1,276,480 1,276,480
3,608,917 3,888,534
(3,644)
(11,362)
1,668,888 1,787,316
92,735
129,047
53,462
49,055
95,267
46,391
6,792,105 7,165,461
37,862,176 45,554,406
1,276,480
3,888,534
(16,713)
1,905,510
127,145
(30,093)
48,922
7,199,785
41,832,286
1,276,480
4,192,814
(29,826)
2,023,339
116,113
(22,824)
72,351
7,628,447
41,717,493
1,276,480
4,192,814
(50,991)
2,076,238
129,119
37,998
72,397
7,734,055
40,564,039
30th Sept
2014
Shs ‘000
(Un -Audited)
NON-PERFORMING LOANS AND
ADVANCES
Gross non-performing loans and
advances
Less:
b) Interest in Suspense
c) Total Non-Performing Loans and
Advances (a-b)
Less:
d) Loan Loss Provisions
e) Net Non-Performing Loans (c-d)
f) Discounted Value of Securities
g) Net NPLs Exposure (e-f)
2) Insider Loans and Advances
a) Directors, shareholders and associates
b) Employees
c) Total Insider Loans and Advances
and Other Facilities
3) Off-Balance Sheet Items
a) Letters of credit, guarantees,
acceptances
b) Forwards, swaps and options
c) Other contingent liabilities
d) Total Contingent Liabilities
4) Capital Strength
a) Core capital
b) Minimum Statutory Capital
c) Excess/(Deficiency)
d) Supplementary Capital
e) Total capital (a+d)
f) Total risk weighted assets
g) Core capital/total deposit liabilities
h) Minimum Statutory Ratio
i) Excess/(Deficiency)
j) Core capital/ total risk weighted assets
k) Minimum Statutory Ratio
l) Excess/(Deficiency) (j-k)
m) Total capital/ total risk weighted assets
n) Minimum Statutory Ratio
o) Excess/(Deficiency) (m-n)
5) Liquidity
a) Liquidity Ratio
b) Minimum Statutory Ratio
c) Excess/(Deficiency) (a-b)
31st Dec
2014
BANK
31st Mar
2015
30th June
2015
30th Sept
2015
30th Sept
2014
Shs ‘000
Shs ‘000
Shs ‘000
Shs ‘000
Shs ‘000
(Audited) (Un -Audited) (Un -Audited) (Un -Audited) (Un - Audited)
31st Dec
2014
GROUP
31st Mar
2015
30th June
2015
Shs ‘000
Shs ‘000
Shs ‘000
Shs ‘000
(Audited) (Un -Audited) (Un -Audited) (Un -Audited)
1)
a)
524,221
471,969
601,356
606,923
629,200
1,654,617
1,664,684
1,759,955
1,776,770
2,027,616
195,536
328,685
203,035
268,933
211,005
390,350
223,546
383,377
234,112
395,088
375,095
1,279,522
426,128
1,238,556
460,457
1,299,499
541,908
1,234,862
593,942
1,433,674
203,085
125,600
125,600
-
207,003
61,930
61,930
-
209,671
180,679
180,679
-
211,558
171,819
171,819
-
216,479
178,609
178,609
-
421,830
857,693
857,693
-
529,179
709,377
709,377
-
491,740
807,758
807,758
-
421,232
813,630
813,630
-
529,993
903,681
903,681
-
233,318
50,504
283,822
247,778
48,879
296,657
119,289
31,723
151,012
329,139
34,964
364,103
541,395
44,116
585,511
264,196
204,028
468,224
274,426
175,319
449,745
163,420
55,736
219,155
478,183
50,119
528,302
547,271
150,625
697,896
1,142,941
1,289,035
1,065,139
1,512,315
1,551,887
1,992,877
2,242,209
1,361,874
1,903,107
1,809,205
385,426
1,045,721
2,574,088
31,206
1,105,962
2,426,202
9,759,341
1,420,256
12,244,736
10,335,323
1,895,879
13,743,516
8,008,478
1,927,101
11,487,465
385,426
2,768,295
5,146,598
31,206
3,049,840
5,323,254
9,759,341
2,004,351
13,125,566
10,335,323
2,638,086
14,876,515
8,008,478
2,030,928
11,848,610
4,320,555 4,666,745
1,000,000 1,000,000
3,320,555 3,666,745
198,643
194,859
4,519,197 4,861,603
17,645,579 18,750,469
26.9%
26.3%
10.5%
8.0%
16.4%
18.3%
24.5%
24.9%
10.5%
10.5%
14.0%
14.4%
25.6%
25.9%
14.5%
14.5%
11.1%
11.4%
4,710,371
1,000,000
3,710,371
200,340
4,910,711
16,745,334
27.8%
8.0%
19.8%
28.1%
10.5%
17.6%
29.3%
14.5%
14.8%
4,777,112
1,000,000
3,777,112
174,511
4,951,623
17,280,280
28.8%
8.0%
20.8%
27.6%
10.5%
17.1%
28.7%
14.5%
14.2%
4,839,914
1,000,000
3,839,914
170,267
5,010,181
18,540,400
30.1%
8.0%
22.1%
26.1%
10.5%
15.6%
27.0%
14.5%
12.5%
57.0%
20.0%
37.0%
53.6%
20.0%
33.6%
47.2%
20.0%
27.2%
53.4%
20.0%
33.4%
45.3%
20.0%
25.3%
The financial statements are extracts from the books of the Institution. The complete set of quarterly financial statements, statutory and
qualitative disclosures can be accessed on the institution’s website www.gtbank.co.ke. They may also be accessed at the institution’s
head office located on Plot 1870 Woodvale Close - Westlands.
IBUKUN ODEGBAIKE
MANAGING DIRECTOR
MARY M’MUKINDIA
DIRECTOR
II. STATEMENT OF COMPREHENSIVE INCOME
1.0 INTEREST INCOME
1.1 Loans and advances
1.2 Government securities
1.3 Deposits and placements with banking
institutions
1.4 Other Interest Income
1.5 Total Interest Income
1,133,748
656,841
68,534
1,551,302
888,825
94,412
413,152
230,693
29,022
787,306
465,892
82,155
1,215,117
639,227
258,339
2,106,617
819,804
94,541
2,816,941
1,129,643
129,623
699,543
289,854
32,127
1,338,974
575,638
88,614
2,052,943
798,151
267,437
24,748
1,883,871
31,358
2,565,897
5,219
678,085
9,530
1,344,884
14,149
2,126,832
24,748
3,045,709
31,358
4,107,565
5,219
1,026,743
9,530
2,012,756
14,149
3,132,680
771,530
38,433
1,024,985
74,272
274,491
18,767
530,718
38,628
800,535
59,280
1,292,442
39,562
1,696,090
75,621
380,528
25,011
731,911
49,104
1,091,051
78,206
13,841
823,805
1,060,066
18,506
1,117,763
1,448,134
4,563
297,821
380,264
9,177
578,523
766,361
13,841
873,656
1,253,176
17,977
1,349,982
1,695,728
24,065
1,795,776
2,311,789
5,966
411,505
615,238
12,040
793,055
1,219,702
18,299
1,187,556
1,945,124
73,394
102,661
15,440
55,381
80,329
143,803
174,723
25,072
87,723
130,321
96,560
50,750
75,269
146,821
63,222
77,153
36,176
12,929
13,475
75,665
33,232
41,671
113,849
61,949
49,140
228,736
165,333
172,263
291,894
211,087
168,527
87,149
47,027
24,585
172,851
104,396
95,828
229,822
199,330
119,652
295,973
1,356,039
389,858
1,837,992
78,019
458,284
205,949
972,310
305,267
1,558,443
710,136
2,405,863
846,231
3,158,020
183,832
799,070
460,798
1,680,500
679,125
2,624,249
24,056
379,906
42,034
93,464
33,722
34,921
540,491
44,494
127,705
45,793
7,671
129,806
14,041
34,989
17,890
27,714
274,675
25,233
73,473
40,608
44,843
418,245
39,388
108,842
67,091
236,492
849,694
70,158
148,506
87,292
230,801
1,113,450
69,441
202,024
118,164
11,585
270,974
21,515
56,381
39,784
42,332
568,301
37,870
116,917
94,695
130,742
867,301
62,350
175,588
152,919
5,887
235,433
814,503
541,536
13,301
344,546
1,151,252
686,740
6,261
92,473
303,130
155,153
12,521
204,876
659,099
313,210
18,782
366,278
1,063,469
494,974
10,012
573,185
1,975,338
430,526
22,036
869,532
2,625,448
532,572
20,442
205,361
626,043
173,026
12,521
456,486
1,329,122
351,377
50,623
711,109
2,150,632
473,617
2.0 INTEREST EXPENSES
2.1 Customer deposits
2.2 Deposits and placements from banking
institutions
2.3 Other Interest Expenses
2.4 Total Interest Expenses
3.0 NET INTEREST INCOME/(LOSS)
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4.0 OTHER OPERATING INCOME
4.1 Fees and commissions on loans and
advances
4.2 Other Fees and Commissions
4.3 Foreign exchange trading income (loss)
4.4 Dividend Income
4.5 Other income
4.6 Goodwill on Acqusition of subsidiary
4.7 Total Non-Interest Income
5.0 TOTAL OPERATING INCOME
6.0 OPERATING EXPENSES
6.1 Loan Loss Provision
6.2 Staff costs
6.3 Directors’ emoluments
6.4 Rentals Charges
6.5 Depreciation charge on property and
equipment
6.6 Amortisation Charges
6.7 Other operating expenses
6.8 Total Operating Expenses
7.0 Profit/(Loss) before tax and
exceptional items
8.0 Exceptional items
9.0 Profit/(Loss) after exceptional items
10.0 Current tax
11.0 Deferred tax
12.0 Profit/(Loss) after tax and exceptional
items
13.0 Other Comprehensive Income
13.1 Gains/(Loss) from translating the
financial statements of foreign
operations
13.2 Fair value changes in available -for-sale
financial assets
13.3 Revaluation surplus on Property, plant
and equipment
13.4 Share of other comprehensive income
of associates
13.5 Income tax relating to components of
other comprehensive income
14.0 Other comprehensive income for the
year net of tax
15.0 Total comprehensive income for
the year
Attributable to:
Non Controlling Interest
Equity Holders of the Parent
-
-
-
-
-
-
-
-
-
-
541,536
(162,461)
379,075
686,740
(141,168)
(11,924)
533,647
155,153
(46,546)
108,607
313,210
(93,963)
219,247
494,974
(148,492)
346,482
430,526
(178,629)
(1,434)
250,463
532,572
(150,754)
64,827
446,645
173,026
(53,756)
119,270
351,377
(106,021)
245,356
473,617
(165,051)
308,566
-
-
-
-
-
(6,962)
(33,447)
(73,584)
(70,214)
(9,392)
1,835
(5,883)
(5,350)
(18,463)
(39,629)
1,835
(5,883)
(5,350)
(18,463)
(39,629)
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1,835
(5,883)
(5,350)
(18,463)
(39,629)
(5,126)
(39,330)
(78,935)
(88,678)
(49,021)
380,910
527,764
103,257
200,784
306,853
245,337
407,315
40,335
156,679
259,545
2,886
242,450
(3,540)
410,855
2,530
37,805
4,947
151,732
4,992
254,553
30th Sept
2015
Access the following services:
• Check balance
• Get a Mini Statement
• Transfer money to your own account, other GTBank accounts or other banks
• Transfer money to M-Pesa
• Pay Bills
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Guaranty Trust Bank (Kenya) Ltd is regulated by the Central Bank of Kenya
*Terms & Conditions apply