BOK Income Statement Quarterly
 
Period ended: 31/12/2014 31/03/2015 30/06/2015 30/09/2015 31/12/2015
Period length: 3 months 3 months 3 months 3 months 3 months
Unit: RWF b RWF b RWF b RWF b RWF b
Statement type: Audited Unaudited Unaudited Unaudited Unaudited
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Interest Income 13.1 14.1 14.3 15.5 16.1
Interest Expense 3.0 3.1 3.4 3.5 3.8
Net Interest Income 10.1 11 10.9 12.0 12.3
           
Net Fee & Commission Income 2.5 2.5 2.8 2.9 3.2
Net Income from Documentary Operations 0.1 0.1 0.1 0.1 0.2
FX Related Income 1.6 1.5 1.8 1.2 0.8
Other Non-interest Income 0.2 0.0 0.1 0.2 0.1
Net Non-Interest Income 4.4 4.1 4.8 4.4 4.3
Total Operating Income 14.5 15.1 15.7 16.4 16.6
           
Recurring Operating Costs
Personnel Cost -2.2 -3.0 -3.1 -3.0 -3.0
Bonus Pool -0.9 -0.5 -0.5 -0.9 -1.1
Administration and General Expenses -2.4 -2.2 -2.5 -2.9 -3.9
Depreciation & Amortisation -1.2 -0.9 -1.0 -1.0 -0.9
Total Recurring Operating Costs -6.7 -6.6 -7.1 -7.8 -8.9
Pre-Provision Operating Profit 7.8 8.5 8.6 8.6 7.7
Net Loan Loss Provisions -4.2 -2.1 -2.1 -2.5 -3.1
Gains on Recovery 1.3 0.3 0.4 0.5 0.9
Net Impairment on Loans & Advances -2.9 -1.8 -1.7 -2.0 -2.2
Profit Before Tax 4.9 6.7 6.9 6.6 5.5
Income Tax Expense -0.9 1.4 1.5 1.3 1.0
Net Income 4.0 5.3 5.4 5.3 4.5