Performance Highlights - Liberty

Performance Highlights

Highlights

Market Shares	2013	2014	2015	2016	2017	2018	2019	2020	2021
Total Assets	7.7%	7.8%	6.3%	5.5%	5.2%	4.7%	4.5%	5.2%	5.1%
Total Loan Portfolio	6.2%	5.8%	4.4%	3.9%	4.3%	3.9%	3.9%	4.4%	4.6%
Total Customer Accounts	11.8%	12.0%	8.6%	7.5%	6.7%	6.4%	5.9%	6.2%	5.9%

Key Operating Data	2013	2014	2015	2016	2017	2018	2019	2020	2021
Number of Branches & Outlets	498	517	553	583	588	334	334	341	367
Number of Mobile Branches	105	112	114	114	114	110	100	108	107
Number of ATMs	342	386	425	468	495	527	577	617	631
Number of POS	1,494	1,968	2,597	2,934	2,225	1,578	5080	7114	7187
Number of Employees	5,205	5,507	5,874	5,674	5,072	4,491	4,587	4,550	4,374

Key Financial Data	2013	2014	2015	2016	2017	2018	2019	2020	2021
Total Assets	1,293,614	1,578,357	1,573,746	1,613,085	1,703,477	1,840,233	2,134,971	2,989,810	3,112,556
Gross Loan Portfolio	626,902	739,762	698,460	704,564	866,551	1,061,646	1,269,216	1,733,612	2,030,630
Customer Accounts	1,158,671	1,412,981	1,244,023	1,292,053	1,346,288	1,482,249	1,565,088	2,173,356	2,233,650
Shareholders Equity	114,108	124,657	130,850	185,231	217,333	270,366	307,804	308,265	349,842
Capital	118,030	139,078	165,008	214,439	232,494	271,169	330,141	306,902	342,241
Risk Weighted Assets	950,819	1,024,043	1,189,508	1,149,962	1,355,391	1,531,726	1,802,789	2,227,010	2,319,960

Income Statement Highlights	2013	2014	2015	2016	2017	2018	2019	2020	2021
Interest Income	155,144	219,015	251,147	270,146	295,309	302,009	270,186	289,705	359,506
Interest Expense	99,058	112,113	116,397	119,364	113,764	119,456	104,538	133,877	149,116
Net Interest Income	56,086	106,902	134,750	150,782	181,545	182,544	165,648	155,828	210,391
Net Non-interest Income	34,457	41,641	46,057	43,114	49,848	46,656	45,066	40,321	37,089
Total Operating Income	90,543	148,543	180,807	193,896	231,393	229,200	210,713	196,149	247,480
Operating Expenses	77,713	97,613	113,532	127,477	134,775	128,173	145,697	158,345	167,788
Net Income	18,065	21,774	32,146	47,714	53,014	57,200	36,913	(4,910)	42,352

Financial Ratios**	2013	2014	2015	2016	2017	2018	2019	2020	2021
ROE	17.2%	17.8%	24.2%	31.7%	27.0%	23.8%	12.0%	-1.6%	12.9%
ROA	1.6%	1.5%	2.1%	3.1%	3.3%	3.1%	1.7%	-0.2%	1.4%
Cost to Income	85.8%	65.7%	62.8%	65.7%	58.2%	55.9%	79.0%	108.4%	78.7%
Cost of Risk	-0.8%	3.6%	4.5%	3.1%	4.9%	3.8%	2.1%	3.3%	1.8%
Tier 1 Capital Adequacy Ratio	11.4%	11.9%	9.1%	12.4%	12.4%	14.0%	12.2%	9.0%	10.5%
Total Capital Adequacy Ratio	12.4%	13.6%	13.9%	18.6%	17.2%	17.7%	18.3%	13.8%	14.8%

*Preliminary Unaudited Data

**In the denominator of ROE, ROA and Cost of Risk 13 month average respective balance sheet components are used. Only end-of-year balance sheet is Audited.