INCOME STATEMENT
FOR THE QUARTER ENDED 30TH  SEPTEMBER 2004
						(AMOUNT IN MILLION SHILLINGS)
				Current quarter	Previous	Current year	Previous year
				quarter	Quarter	Cummulative	Cummulative
				ending 30.09.04	ending 30.06.04	ending 30.09.04	30.09.03
1	Interest Income			6,720	6,343	19,319	15,744
2	Interest Expense			(530)	(506)	(1,509)	(1,363)
3	Net Interest Income			6,190	5,837	17,810	14,381
4	Bad Debts Written Off			(342)	(77)	(434)	(579)
5	Provision For Bad & Doubtful Debts			2,392	47	711	374
6	Non Interest Income:			4,903	4,230	13,893	13,031
	6.1 Foreign Exchange Profit/(Loss)			834	1,236	4,029	4,291
	6.2 Commissions And Fees			4,069	2,994	9,864	8,740
7	Non Interest Expense			(6,622)	(7,232)	(19,083)	16,889)
8	Losses/(Recoveries) on behalf  of the Government			(3,605)	(255)	(3,869)	208
	of Tanzania
9	Operating Income Before Tax			2,916	2,550	9,028	10,526
	and Extraordinary Items
##	Extraordinary Gains (Losses)			-	-	-	-
##	Income Tax Provisions			(1,027)	337	(1,652)	(3,327)
##	Profits attributable to shareholders			1,889	2,887	7,376	7,199
	Number Of Employees			799	809	799	792
	PERFORMANCE INDICATORS
	(i) Return on average total assets*			2%	3%	2%	2%
	(ii) Return on ordinary Shareholders' Funds			20%	31%	26%	28%
	(iii)Non interest expense to gross income			57%	68%	57%	59%
	(iv) Interest margin to average interest earning assets			7%	6%	7%	6%