Annual Results Results Snapshot
Figures in Million
Standalone Annual Results
Dec'05
Dec'04
Dec'03
Dec'02
Dec'01
Dec'00
Dec'99
Interest Earned
525.62
549.56
598.05
659.52
703.90
667.56
666.55
Income On Investments
57.54
67.65
73.98
81.07
78.29
80.47
98.00
Interest On Balances With Rbi Other Inter Bank Funds
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest / Discount On Advances / Bills
468.04
481.89
524.01
577.41
624.52
586.64
568.19
Others
0.04
0.02
0.06
1.04
1.09
0.44
0.36
Other Income
200.31
186.05
177.77
201.87
161.77
178.87
176.00
Total Income
725.93
735.61
775.82
861.39
865.67
846.43
842.54
Interest Expended
252.38
280.85
305.21
349.71
386.37
377.18
382.83
Net Interest Income
273.25
268.71
292.84
309.81
317.54
290.38
283.72
Total Expenditure (Excl Depreciation)
320.82
326.95
318.87
352.06
308.40
317.60
327.38
Employee Cost
138.46
134.52
138.50
140.10
140.38
138.17
134.71
Other Operating Expenses
110.46
109.11
106.06
111.27
119.17
140.43
143.57
Operating Profit Before Provisions and Contingencies
202.80
178.09
190.13
194.61
201.04
180.90
154.01
Exceptional Items
-50.07
-50.28
-38.39
-35.00
-30.13
-29.25
-21.67
Provisions and contingencies
31.52
23.96
51.87
62.70
79.54
70.43
66.16
Profit Before Tax
121.21
103.85
99.87
96.92
91.37
81.22
66.18
Tax
36.20
29.10
28.80
28.28
28.90
26.23
16.46
Profit After Tax
85.01
74.75
71.07
68.64
62.47
54.99
49.72
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
85.01
74.75
71.07
68.64
62.47
54.99
49.72
Face Value
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Reserves
1,195.47
1,100.59
950.11
816.34
792.58
722.41
679.53
Earnings per share (EPS)
8.99
7.87
7.48
7.22
6.57
5.79
5.23
Diluted Earnings per share
8.99
7.87
7.48
7.22
6.57
5.79
5.23
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Gross Profit Margin
23.06%
18.9%
16.7%
14.69%
12.98%
12.17%
9.93%
PAT Margin
16.17%
13.6%
11.88%
10.41%
8.88%
8.24%
7.46%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
15.6%
15.8%
14.7%
13.5%
13.6%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
45.90
62.71
80.49
80.49
0.00
0.00
0.00
Amount of Net NPAs
45.90
62.71
80.49
80.49
0.00
0.00
0.00
% of Net NPAs
0.33%
0.45%
0.6%
0.62%
0.0%
0.0%
0.0%
% of Gross NPAs
0.33%
0.45%
0.6%
0.62%
0.0%
0.0%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Dec 2005 is -4.37% vs -8.09% in Dec 2004
Net Profit
YoY Growth in year ended Dec 2005 is 13.79% vs 5.06% in Dec 2004
Operating Profit (PBDIT)
YoY Growth in year ended Dec 2005 is 13.87% vs -6.31% in Dec 2004
% of Net NPAs
YoY Growth in year ended Dec 2005 is -0.12% vs -0.15% in Dec 2004
% of Gross NPAs
YoY Growth in year ended Dec 2005 is -0.12% vs -0.15% in Dec 2004
Compare Annual Results Of Berner Kantonalbank AG With
Figures in Million
Consolidate Annual Results
Change(CHF)
Change(%)
Interest Earned
0
0
0.00
Income On Investments
0
0
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0
0
0.00
Interest / Discount On Advances / Bills
0
0
0.00
Others
0
0
0.00
Other Income
0
0
0.00
Total Income
0
0
0.00
Interest Expended
0
0
0.00
Net Interest Income
0
0
0.00
Total Expenditure (Excl Depreciation)
0
0
0.00
Employee Cost
0
0
0.00
Other Operating Expenses
0
0
0.00
Operating Profit Before Provisions and Contingencies
0
0
0.00
Exceptional Items
0
0
0.00
Provisions and contingencies
0
0
0.00
Profit Before Tax
0
0
0.00
Tax
0
0
0.00
Profit After Tax
0
0
0.00
Extraordinary Items
0
0
0.00
Prior Period Expenses
0
0
0.00
Other Adjustments
0
0
0.00
Net Profit
0
0
0.00
Face Value
0
0
0.00
Reserves
0
0
0.00
Earnings per share (EPS)
0
0
0.00
Diluted Earnings per share
0
0
0.00
Operating Profit Margin (Excl OI)
0%
0%
0.00
0.00%
Gross Profit Margin
0%
0%
0.00
0.00%
PAT Margin
0%
0%
0.00
0.00%
Net Interest Margin
0%
0%
0.00
0.00%
Return on Assets
0%
0%
0.00
0.00%
CASA (%)
0%
0%
0.00
0.00%
CASA Amount
0
0
0.00
Capital Adequacy Ratio (Total)
0%
0%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0%
0%
0.00
0.00%
Provision Coverage Ratio (%)
0%
0%
0.00
0.00%
Amount of Gross NPAs
0
0
0.00
Amount of Net NPAs
0
0
0.00
% of Net NPAs
0%
0%
0.00
0.00%
% of Gross NPAs
0%
0%
0.00
0.00%
Public Share Holdings (%)
0%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0%
0%
0.00
0.00%
Pledged Capital (%)
0%
0%
0.00
0.00%
Number of ATMs
0
0
0.00
Number of Branches
0
0
0.00
Annual - Interest Earned
Interest Earned 52.56 Million
in Dec 2005Figures in Million
YoY Growth in year ended Dec 2005 is -4.37% vs -8.09% in Dec 2004
Annual - Net Profit
Net Profit 8.50 Million
in Dec 2005Figures in Million
YoY Growth in year ended Dec 2005 is 13.79% vs 5.06% in Dec 2004
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 20.28 Million
in Dec 2005Figures in Million
YoY Growth in year ended Dec 2005 is 13.87% vs -6.31% in Dec 2004
Annual - % of Net NPAs
% of Net NPAs 0.33%
in Dec 2005Figures in %
YoY Growth in year ended Dec 2005 is -0.12% vs -0.15% in Dec 2004
Annual - % of Gross NPAs
% of Gross NPAs 0.33%
in Dec 2005Figures in %
YoY Growth in year ended Dec 2005 is -0.12% vs -0.15% in Dec 2004
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