|
 |
| |
| |
2003 |
2002¹ |
2001 |
| |
|
|
| Operating profit |
1,386 |
1,473 |
1,291 |
| Net profit attributable to members (NPAM) |
1,025 |
1,097 |
997 |
| NPAM excluding goodwill amortisation |
1,455 |
1,375 |
1,130 |
| |
|
|
| Total assets |
159,595 |
149,445 |
151,462 |
| Customer loans |
64,335 |
60,709 |
68,208 |
| Customer deposits |
108,041 |
101,315 |
106,771 |
| Total shareholders' funds |
14,896 |
14,237 |
13,613 |
|
|
|
| Basic earnings |
0.68 |
0.74 |
0.78 |
| Basic earnings excluding goodwill amortisation |
0.98 |
0.93 |
0.89 |
| Gross dividend |
0.30 |
0.30 |
0.30 |
| Net assets backing |
9.75 |
9.30 |
8.98 |
| |
|
|
| Return on average total shareholders' funds |
7.04 |
7.94 |
8.81 |
| Return on average total shareholders' funds (excluding goodwill amortisation) |
9.99 |
9.95 |
9.99 |
| Operating expenses as % of income before operating expenses |
43.9 |
44.6 |
48.9 |
| Capital adequacy |
|
|
|
| Tier I |
10.5 |
10.3 |
12.2 |
| Total |
15.1 |
15.5 |
17.4 |
| ¹ Figures for 2002 have been restated to reflect the changes in accounting policy as detailed in Note 2.2 to the financial statements. |
| |
 |
| |
|
|
|
|
|
| |
 |
|
 |
|
 |
 |
2003: $1,025 million (-6.6%)
2002¹: $1,097 million |
|
Income Before Operating Express
2003: $4,198 million (+1.3%)
2002¹: $4,146 million |
|
Net Interest Income
2003: $2,375 million (-10.2%)
2002¹: $2,645 million |
 |
2003: $1,025 million (-6.6%)
2002¹: $1,097 million |
|
Ratio of Operating Expenses to
Income Before Operating Expenses*
2003: 43.9% (-0.7 percentage points)
2002¹: 44.6%
* Excluding goodwill amortisation |
|
Non-Interest Income
2003: $1,823 million (+21.5%)
2002¹: $1,501 million |
| |
|
|
|
|
|
| |
 |
|
 |
|
 |
|
Total Shareholders’ Funds
2003: $14.9 billion (+4.9%)
2002¹: $14.2 billion |
|
Total Shareholders’ Funds
2003: $159.6 billion (+6.8%)
2002¹: $149.4 billion |
|
Total (Tier I & II)
2003: 15.1%
2002¹: 15.5% |
|
ROE*
2003: 9.99% (+0.04 percentage points)
2002¹: 9.95%
*Excluding goodwill amortisation |
|
ROE*
2003: 0.94% (+0.03 percentage points)
2002¹: 0.91%
*Excluding goodwill amortisation |
|
Tier I
2003: 10.5%
2002¹: 10.3% |
| |
| ¹ Figures for 2002 have been restated to reflect the change in accounting policy as detailed in Note 2.2 to the
financial statements. |
|