Asset-Liability Assessment

Assets and Liabilities( in Birr Totalmillions) Liquid Assets Total Asset Total Deposit Total Loans NBE bill purchase Liquidity Ratios (in percent) Liquid Assets to Deposit Liquid Assets to Total Asset Loan to Deposit Loans including bills to deposit Deposits (in Birr millions) Demand Deposits Savings Deposits Certificate of Deposits Total Deposit Deposits (in percent) Demand Deposits Savings Deposits Certificate of Deposits Maturity Gap (in Birr millions) On demand Within 3 months Between 3 to 6 months 3-12 months After 1 year Deposit By Range (in Birr millions) Below Birr 100,000 From Birr 100,001-500,000 From Birr 500,001-1,000,000 From Birr 1,000,001-5,000,000 From Birr 5,000,001-10,000,000 From Birr 10,000,00115,000,000 From Birr 15,000,00120,000,000 From Birr 20,000,00150,000,000 Above Birr 50,000,000 Total Deposit By Range (in percent) Below Birr 100,000 From Birr 100,001-500,000 From Birr 500,001-1,000,000 From Birr 1,000,001-5,000,000 From Birr 5,000,001-10,000,000 From Birr 10,000,00115,000,000 From Birr 15,000,00120,000,000 From Birr 20,000,00150,000,000 Above Birr 50,000,000 Deposit By Range (in number) Below Birr 100,000 From Birr 100,001-500,000

Liquidity
Sep-10

Dec10

Mar11

Jun-11

Sep-11

Sep-10

Dec10

Mar11

Jun-11

Sep-10

Dec10

Mar11

Jun-11

Sep-10

Dec10

Mar11

Jun-11

Sep-10

Dec10

Mar11

Jun-11*

Sep-10

Dec10

Mar11

Jun-11

Sep-10

Dec10

Mar11

Jun-11

Sep-10

Dec10

Mar11

Jun-11

Bunna International Bank S.C

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Asset-Liability Assessment
From Birr 500,001-1,000,000 From Birr 1,000,001-5,000,000 From Birr 5,000,001-10,000,000 From Birr 10,000,00115,000,000 From Birr 15,000,00120,000,000 From Birr 20,000,00150,000,000 Above Birr 50,000,000 Total Off balance sheet Items (in BirrLetters millions) o/w of Credit (excl margin) o/w Guarantees & Performance bonds o/w Loan Commitment Total Off-balance sheet items Risk weighted off-balance sheet items Off-Balance Sheet to Total Assets (in %) Off-Balance Sheet to Capital (in %) OBRWA/ TRWA (in percent) Average Deposit (In Birr) Average Loans (in Birr millions) Largest Deposit (> 5 million deposit) to Total Deposit (Top 27)

Jun-09

Jun10

Sep10

Dec-10

Jun-11

Bunna International Bank S.C

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Asset-Liability Assessment

Interest Rate Risk Table Interest Rate Risk Indicators

Jun10 Sep-10

Dec10

Mar11

Jun-11

Effective Interest Rate On Loans Effective interest rate on Earning assets (including bills) Effective Interest Rate On Deposits Spread (effective rate) Net Interest Margin*(annualized) Interest cost to Interest income Interest Rate Gap (Loan vs saving and JunDecMarSep-10 CDs) 10 10 11 Jun-11 On demand (computation up to march) Within three months 3-6 months 6-12 months >1 year Fixed Rate Re-pricing Gap (only for JunDecMarSep-10 CDs) 10 10 11 Jun-11 On demand (computation up to march) Within three months 3-6 months 6-12 months >1 year Variable Rate Re-pricing Gap (loan vs JunDecMarSep-10 saving) 10 10 11 Jun-11 On demand (computation up to march) Within three months 3-6 months 6-12 months >1 year Interest sensitive assets to total assets Interest Sensitive Liabilities to Total Liabilities Interest income to total income * Net Interest income to Average Loans NA- Not applicable due to change in assumption and time change classification

Bunna International Bank S.C

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Asset-Liability Assessment

Foreign Exchange Risk Table

Net Foreign Currency Position Foreign Currency Assets(in Birr millions) Foreign Currency Liabilities *(in Birr millions) Net Foreign Currency Position (in Birr millions) Net Foreign currency position by selected Currency Type*** Foreign Currency Assets (USD millions) Foreign Currency Liabilities (USD millions) Net Position (long) (USD millions) Foreign Currency Assets (EURO millions) Foreign Currency Liabilities (EURO millions) Net Position (short) (EURO millions) Foreign Currency Assets (JPY millions) Foreign Currency Liabilities (JPY millions) Net Position (short) (JPY millions) FX Revaluation gain/loss** FX revaluation gains(in Birr millions) FX revaluation losses(in Birr millions) Net FX Revaluation Gain/loss(in Birr millions) FX Revaluation gain/loss by major currencies Revaluation Gains USD EURO Revaluation Losses USD EURO Net FX Revaluation gain/loss by major currencies USD EURO Foreign Funding Concentration (in %) Top 10 to total inflow Top 5 to total inflow Jun10 Sep10 Dec-10 Mar11 Jun-11

Jun10

Sep10

Dec-10

Mar11

Jun-11

Jun10

Sep10

Dec-10

Mar11

Jun-11

Jun10

Sep10

Dec-10

Mar11

Jun-11

Jun10

Sep10

Dec-10

Mar11

Jun-11

*Including P/O ** including dealing gains and losses

Bunna International Bank S.C

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Asset-Liability Assessment

Classified Loans (in Birr millions) Number of borrowers Special Mention loans Sub-standard loans Doubtful loans Loss Loans NPLs Classified Loans (in percent from the total loans) Special Mention loans Sub-standard loans Doubtful loans Loss Loans NPLs Concentration by Economic Sector ( in percent) Export Import Domestic Trade Industry Building Transportation Hotel and Tourism Agriculture Consumer Other Concentration by Loan Maturity (in percent) Short-term Medium-term Long-term Concentration by Product Type (in percent) Term loan Merchandise loan Pre-shipment loan Advances Others Loans to Large Borrowers Top ten loans (in percent of total loans) 5% or more of capital loans (in #) 10% or more of capital loans (in #) Collateral Held (in percent) Building only Building and others Merchandise Machinery Vehicles Mixed (vehicle, machinery, merchandise) Sales contracts, P/G, C/G, Receivable Provident fund, Shares Certificate, L/C Clean (ESL)

Credit Risk
Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Jun10

Jun11

Bunna International Bank S.C

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Asset-Liability Assessment
Clean non-staff

Bunna International Bank S.C

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Asset-Liability Assessment
Credit Risk Table continued Related party loans Related party loans (in Birr millions) Related party to total capital (in percent) Provision held for NPLS (in Birr millions) Sub-standard Loans Doubtful Loans Loss Loans Total provision held for NPLS Loan Provision to NPLs (in percent) Sub-standard loans Doubtful loans Loss Loans Total provision to NPLS Loan Provision plus recovery to NPLs (in percent) loans Sub-standard Doubtful loans Loss Loans Total NPLS Jun-09 Jun10 Jun10 Sep10 Sep10 Dec10 Dec10 Mar11 Mar11 Jun11 Jun11

Jun-09

Jun-09

Jun10

Sep10

Dec10

Mar11

Jun11

Jun-09

Jun10

Sep10

Dec10

Mar11

Jun11

Bunna International Bank S.C

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Asset-Liability Assessment

Capital and Profitability

Capital (in Birr millions) Risk Weighted Assets ( in Birr millions) On Balance sheet RWA (in Birr millions) Off Balance sheet RWA (in Birr millions) Total Capital (in Birr millions) CAR (in percent) On BRWA to Total on BS Asset (in percent) Off BRWA to Total off BS Asset (in percent) Risky loans (as per risk conversion) to on BS asset Risky loan commitments(as per risk conversion) to OBS asset Profitability Profit Level ( in Birr millions) Jun09 Jun10 Sep10

Dec10

Mar11

Jun11

Jun09

Jun10

Sep10

Dec10

Mar11

Jun11

on BRWA- On balance sheet risk weighted asset, off BRWA- off balance sheet risk weighted asset

Bunna International Bank S.C

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