• Profit before income tax expense was $715m for the year ended 31 December 2016, an increase of $98m or 15.9%, compared with 2015. Profit before income tax expense was $251m for the fourth quarter of 2016, an increase of $279m compared with the fourth quarter of 2015.

  • Profit attributable to the common shareholder was $486m for the year ended 31 December 2016, an increase of $72m or 17.4%, compared with 2015. Profit attributable to the common shareholder was $178m for the fourth quarter of 2016, an increase of $216m compared with the fourth quarter of 2015.

  • Return on average common equity was 10.6% for the year ended 31 December 2016 and 15.4% for the fourth quarter of 2016 compared with 9.6% and (0.9%) respectively for the same periods in 2015.

  • The cost efficiency ratio was 60.4% for the year ended 31 December 2016 and 63.5% for the fourth quarter of 2016 compared with 58.2% and 69.4% respectively for the same periods in 2015.

  • Total assets were $94.7bn at 31 December 2016 compared with $94.0bn at 31 December 2015.

  • Common equity tier 1 capital ratio was 10.5%, the tier 1 ratio was 12.5% and the total capital ratio was 13.5% at 31 December 2016. Respectively the common equity tier 1 capital ratio was 10.1%, the tier 1 ratio was 12.1% and the total capital ratio was 13.5% at 31 December 2015.