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Profit & Loss

Yr to Sep 2008 2009
Net Interest Income 7,222 11,646
Provision of Doubtful Debts (931) (3,238)
Non Interest Income 4,198 4,859
Total Operating Income 10,489 13,267
Non Interest Expense 5,238 7,171
Profit Before Tax 5,251 6,096
Income Tax (1,384) (2,579)
Outside Equity Int. (73) (71)
Profit After Tax 3,794 3,446
Significant Items after Tax 65 n/a
Reported Profit after Tax 3,859 3,446

Ratio Analysis

Yr to Sep 2008 2009
Net Interest Margin  (%) 1.9 2.2
Interest Spread  (%) 1.3 1.9
Non-Int Inc/Total Inc  (%) 40.0 36.6
Tot Op. Inc/Tot Assets  (%) 2.4 2.2
ROE  (%) 21.3 10.0
ROA  (%) 0.9 0.6
Cost to Income  (%) 43.7 40.6
Equity/Assets  (%) 4.5 6.2

Cashflow Summary

Yr to Sep 2008 2009
Interest Income 28,801 30,791
Interest Expense & Prov. (21,389) (19,149)
Cash from Operations (10,727) 20,761
Proceeds from Issues (103) 2,890
Dividends Paid (1,945) (2,752)
Change in Assets 64,727 150,039
Change in Liabilities 62,786 133,240
Free Cashflow to Equity (12,668) 3,962
Cash At Beginning 2,243 4,809
Net Increase in Cash 2,526 (1,480)
Exchange Rate Adjust n/a n/a
Cash At End 4,809 3,272

Multiple Analysis

Yr to Sep 2008 2009
P/E  (x) 12.2 19.5
P/E  rel All Ind  (x) n/a 1.6
P/E  rel All Ind ex banks  (x) n/a 1.5
P/E  sector  (x) n/a 9.0
P/E  rel sector  (x) n/a 2.2

Balance Sheet Summary

Yr to Sep 2008 2009
Cash 4,809 3,272
Due from Other Banks 22,272 19,075
Trading Securities 43,694 39,472
Loans and Advances 313,545 463,459
Total PP&E 505 888
Other Non Earning Assets 54,723 63,421
Total Assets 439,548 589,587
Deposits 233,730 329,456
Due to Other Banks 15,861 9,235
Bonds & Notes 113,087 150,771
Other Liabilities 52,021 58,288
Total Liabilities 419,776 553,016
Share Capital 6,593 23,496
Retained Earnings 10,999 11,197
Other Equity 2,180 1,878
Total Shareholder Equity 19,772 36,571

Assumptions

Dividends

Date
Dividend
17-May-10
65c 100% Franked Payable 02-Jul-10
09-Nov-09
60c 100% Franked Payable 21-Dec-09
18-May-09
56c 100% Franked Payable 02-Jul-09
05-Nov-08
72c 100% Franked Payable 17-Dec-08
19-May-08
70c 100% Franked Payable 02-Jul-08
07-Nov-07
68c 100% Franked Payable 18-Dec-07
17-May-07
63c 100% Franked Payable 02-Jul-07
16-Nov-06
60c 100% Franked Payable 13-Dec-06
01-Jun-06
56c 100% Franked Payable 03-Jul-06
17-Nov-05
51c 100% Franked Payable 14-Dec-05

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