Net Interest Income equalled RwF 3,830 million in Q3 2011, down 6.9% q-o-q and up 29.3% y-o-y. Net Fee &
Commission Income amounted to RwF 1,156 million in Q3 2011, up 17.1% q-o-q and 114.9% y-o-y. Total Operating
Income (Revenue) reached RwF 7,756 million in Q3 2011, up 9.0% q-o-q and 48.9% y-o-y. Total Operating Costs
increased by 21.7% q-o-q and 45.9% y-o-y to RwF 3,699 in Q3 2011. Cost/Income ratio reached 44.5% in Q3 2011
down from 49.5% in Q2 2011 and from 50.9% in Q3 2010.
Annualised ROAA reached 3.3% in Q3 2011, whereas annualised ROAE reached 17.4% in Q3 2011. The reduction in
RoAA and RoAE was as a result of the additional capital raised in the IPO from 1st September, 2011.
Total Assets grew by 10.9% q-o-q and 57.8% y-o-y (up 38.5% YTD 2011), reaching RwF 273,802 million as at 30
September 2011. Net Loans grew by 12.6% q-o-q and 34.8% y-o-y (up 23.6% YTD 2011), reaching RwF 125,308
million as at 30 September 2011. Client Deposits amounted to RwF 172,270 million, down up 2.0% q-o-q and up
36.4% y-o-y (up 27.0% YTD 2011). Net Loans/Total Assets ratio stood at 45.8% as at 30 September 2011 vs. 53.6% as
at 30 September 2010. Net Loans/Client Deposits ratio reached 72.7% as at 30 September 2011 vs. 73.6% as at 30
September 2010.

copy pasted

net profits up 42.7%.
http://www.bk.rw/documen...3rd%20Quarter%202011.pdf

I've got a copy of it in pdf. was sent to me by email

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A quick scan

q-o-q profits - flat

y-o-y profits – 42.6% up

The balance sheet has grown significantly resulting to an increase in the market share by
total assets from 27.4% at YE 2010 to 33.4% as at 30th September 2011

Overall: - Expect a good dividend YE