Summary Financial Table

	9 months to Dec 2009 N'million	12 months to Mar 2009 N'million	9 months to Dec 2009 N'million	12 months to Mar 2009 N'million
	The Group		The Bank
Major balance sheet items
Total assets and contingencies	3,144,947	2,706,292	2,203,770	1,982,395
Total assets	2,172,346	2,009,914	1,772,454	1,667,422
Loans and advances	1,078,452	740,397	1,022,486	684,107
Deposits	1,339,142	1,194,455	1,236,599	1,071,836
Share capital	14,504	12,432	14,504	12,432
Shareholders' funds	309,558	337,405	317,487	351,054
Major profit and loss account items
Gross earnings	196,408	217,630	175,355	184,536
Charge for doubtful accounts	(40,624)	(19,439)	(41,462)	(13,959)
Profit before exceptional item and taxation	11,585	53,799	7,689	46,110
Exceptional item	-	(26113)	-	-
Profit after exceptional item before taxation	11,585	27,686	7,689	46,110
Information technology development levy	(107)	(526)	(76)	(461)
Taxation	(8,289)	(14,591)	(6,338)	(10,575)
Profit after taxation	3,189	12,569	1,275	35,074
Dividend
Declared	2,900	33,565	2,900	33,565
Information per 50k ordinary share
Earnings (basic)	N	N	N	N
Basic	0.11	0.51	0.04	1.41
Adjusted	0.11	0.51	0.04	1.41
Net assets	10.67	13.57	10.94	14.12
Total assets
– actual	74.89	80.84	61.10	67.06
– adjusted	-	-	-	-
Stock Exchange quotation at 31 March	-	-	14.05	15.80
Ratios	%	%	%	%
Cost to income	73.43	66.35	71.97	67.75
Return on assets	0.53	2.68	0.43	2.77
Return on shareholders' funds	1.03	3.73	0.40	9.99
Capital adequacy	15.8	24.69	21.33	30.24
Number of branches/agencies and subsidiaries	610	536	570	510
Number of staff	8,757	8,537	8,221	8,203
Number of shares in issue (million)	29,008	24,864	29,008	24,864