GTBank Business and Financial Performance
Income Statement evolution
N'bn
Gross Earnings
Interest income
Interest expense
Q1 2014
Q2 2014
Q3 2014
Q4 2014
FY 2014
67.5
65.4
66.3
79.4
278.6
48.5
51.2
48.4
52.5
200.6
(13.8)
(14.4)
(14.7)
(15.3)
(58.2)
Net interest income
34.7
36.8
33.7
37.2
142.4
Loan impairment charges
(1.3)
(4)
(1)
(0.8)
7.1
Net interest income after loan impairment charges
33.5
32.7
32.7
36.4
135.3
Fee and commission income
12.4
12.4
13.5
9.7
48
Fee and commission expense
(0.6)
(0.3)
(0.6)
(0.6)
(2.1)
Net fee and commission income
11.7
12.1
12.9
9.2
45.9
Net Trading Income
3.5
2.4
3.5
18.9
28.3
Other income
3.1
(0.6)
0.9
(1.7)
1.7
Net impairment reversal on financial assets
0.2
0.5
(0.3)
Operating Income
51.9
46.8
49.9
62.5
211.1
Operation Expenses
(23.9)
(21.5)
(22.7)
(26.6)
(94.7)
Profit before income tax
Income tax expense
Profit after Tax
28
25.3
27.2
35.9
116.4
(4.9)
(4.5)
(4.5)
(3.8)
(17.7)
23.1
20.9
22.7
32
98.7
13
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