Financial Performance

Balance sheet: key components (US Dollars in millions)	3Q2011	2Q2011	1Q2011	YE2010	YE2009	YE2008
Total assets	3,232.9	2,198.1	2,285.2	2,222.2	1,987.3	2,317.8
Loan portfolio before provisions	2,376.9	1,808.8	1,772.9	1,714.4	1,705.7	2,029.5
Corporate	1,811.0	1,408.3	1,363.8	1,293.4	1,224.8	1,447.2
Retail	565.9	400.4	409.2	420.9	481.0	582.3
Customer accounts	2,042.5	1,147.9	1,022.9	1,005.8	727.0	863.5
Corporate	991.9	436.6	331.0	364.6	252.4	404.4
Retail	1050.6	711.3	691.9	641.2	474.6	459.0
Total equity	587.9*	450.3	441.1	434.8	375.7	451.2

P&L: key components (US Dollars in millions)	3Q2011	2Q2011	1Q2011	YE2010	YE2009	YE2008
Net interest income	111.4	44.9	22.3	126.2	127.4	136.1
Net non-interest income	38.7	20.0	9.8	26.9	38.5	65.3
Operating incomebefore provisions	150.1	64.8	32.1	153.1	165.9	201.5
Operating expenses	(66.7)	(36.5)	(17.3)	(69.5)	(60.9)	(77.7)
Profitbefore provisions and tax	83.4	28.3	14.7	83.6	105.0	123.8
Provisions	(19.9)	(9.3)	(9.3)	(12.1)	(161.1)	(116.3)
Net profit	47.9	14.2	3.8	54.4	(54.3)	15.3

Performance ratios	3Q2011	2Q2011	1Q2011	YE2010	YE2009	YE2008
ROE	12.5%	6.5%	3.5%	13.4%	(13.1%)	3.3%
ROA	2.3%	1.3%	0.7%	2.6%	(2.5%)	0.7%
Cost to Income	44.5%	55.6%	54.0%	45.4%	36.7%	38.6%
Net interest margin	6.2%	4.6%	4.5%	6.9%	6.8%	6.8%

Capital ratio	3Q2011	2Q2011	1Q2011	YE2010	YE2009	YE2008
Capital Adequacy Ratio	26.2%	25.5%	25.7%	26.2%	25.3%	21.4%

* including unregistered share capital reflected in respective liabilities item