INCOME STATEMENT
 FOR THE QUARTER ENDED 31  DECEMBER,2006
(AMOUNT IN MILLION SHILLINGS)
    Current  Previous Current year   Previous year 
    quarter quarter Cumulative  Cummulative 
    ending 31.12.2006 ending 30.09.2006 ending 31.12.2006 ending 31.12.2005
         
1 Interest Income                        15,210                          14,920                          55,641                            36,956
         
2 Interest Expense                        (1,786)                           (1,544)                          (5,707)                            (3,063)
         
3 Net Interest Income                        13,423                          13,377                          49,934                            33,893
         
4 Bad Debts Written Off                                 -                                     -                                       -                                       -
         
5 Provision For Bad & Doubtful Debts                        (1,927)                           (1,313)                          (3,778)                                  (43)
         
6 Non Interest Income:                          6,788                            5,802                          25,144                            22,537
  6.1 Foreign Exchange Profit/(Loss)                          2,029                            1,763                            8,126                              8,707
  6.2 Commissions And Fees                          4,759                            4,039                          17,018                            13,830
         
7 Non Interest Expense                        (9,235)                           (8,671)                        (34,627)                          (30,297)
         
8 Losses/(Recoveries) on behalf  of the Government                              (11)                              (198)                      (515)                            (1,037)
   of Tanzania        
         
9 Operating Income Before Tax                          9,039                            8,997                          36,157                            25,052
  and Extraordinary Items        
         
10 Extraordinary Gains (Losses)                                 -                                     -                                     -                                       -  
         
11 Income Tax Provisions                            (601)                           (3,267)                          (9,754)                            (6,946)
         
12 Profits attributable to shareholders 8,438 5,730 26,403 18,106
 
  Number Of Employees 857 826 857 801
PERFORMANCE INDICATORS
  (i) Return on average total assets 5% 3% 4% 3%
  (ii) Return on ordinary Shareholders' Funds 48% 36% 37% 37%
  (iii)Non interest expense to gross income 42% 42% 43% 51%
  (iv) Interest margin to average interest earning assets 8% 9% 8% 8%