MBA Profile of Banks 2013 Edition Updated

Table
of Contents
Preamble.3
Members
ABCBankingCorporationLtd4
AfrAsiaBankLimited10
BankofBaroda.16
BankOneLimited20
BanquedesMascareignesLte.24
BanyanTreeBankLimited.30
BarclaysBankMauritiusLimited.32
BramerBankingCorporationLtd.36
CenturyBankingCorporationLtd40
DeutscheBank(Mauritius)Limited44
HabibBankLimited48
HSBCBank(Mauritius)Limited.52
InvestecBank(Mauritius)Limited..56
MauritiusPostandCooperativeBankLtd.60
P.TBankInternasionalIndonesia....64
SBI(Mauritius)Ltd.68
StandardBank(Mauritius)Limited72
StandardCharteredBank(Mauritius)Limited..76
StateBankofMauritiusLtd.80
TheHongkongandShanghaiBankingCorporationLimited.86
TheMauritiusCommercialBankLtd.90
ANoteofCaution&Disclaimer96
MBAPROFILEOFBANKS2
Preamble
TheMBAProfileofBanksprovidesanoverviewofthequalitativeandquantitativefeaturesofeach
ofthe21MemberbanksoftheMBA.
A short synopsis on each Member bank covering its corporate structure, ownership and succinct
rangeofactivities,aswellasitsMissionandVisionstatementsandcontactdetailsispresented.The
publicationalsoincludesthesummariesforthelastthreeyearsfinancialdataforallMemberbanks
basedontheauditedfinancialstatements.
It is believed that this publication will achieve its aim of promoting the wider dissemination of,
relevant banking information and enable users to gain a greater insight into the performance and
trendsofthebankingsectorinMauritius.
Thisdocumentwillcontinuetobeupdatedasandwhenbanksauditedannualfinancialstatements
are released, and the latest version will be posted on the MBA website (www.mba.mu) for
reference.
ThecontributionofallMemberbanksinthecompilationandpublicationofthesixtheditionofthe
MBAProfileofBanksisdeeplyappreciatedandacknowledged.
AishaC.Timol
ChiefExecutive,MBA
October2013
MBAPROFILEOFBANKS3
ContactDetails:
ABCBankingCorporationLtd
HeadOffice&MainBranch
7,DukeofEdinburghAvenue
PlacedArmes,PortLouis,Mauritius
Tel:(230)2068000
Fax:(230)2080088
Email:info@abcbanking.mu
Website:www.abcbanking.mu
MBAPROFILEOFBANKS4
ABC Banking Corporation Ltd

ABCBankingCorporationLtd,thebankingarmoftheABCGroupofCompanieswasfirstestablished
in 1997 as a leasing company under the name of ABC Finance & Leasing Ltd and subsequently
obtained its banking licence on 1 June 2010. It is the first leasing company in Mauritius to have
successfullyconvertedintoaBank.
On9December2010,ABCBankingCorporationLtdstartedoperationsasafullfledgedcommercial
bankatPort Louiswitha solidbaseofdepositand leasingportfolio.TheBankhasbeenaimingat
excellent service delivery driven by innovation and operating on the most advanced banking
technologyplatforminthemarket.
The bank has been segmented through the following lines of business; Retail Banking, Corporate
Banking,Leasing,InternationalBankingandTreasuryServicesandprovidesabroadmixoffinancial
products and services to businesses as well as individuals, including the ABC Debit MasterCard,
Home Loans and Student Loans, and ABC Premier Savings Account. At 30 April 2013, the total of
customerdepositsheldbythebankhasexceededRs5.8billion.
Vision:
Bethepreferredandtrustedbankinourstakeholdersquestforexcellence.
Mission:
We strive to delight our customers whilst delivering on our responsibilities towards the country,
community&environment.Weshallalsodrivethecontinuousdevelopmentofthebankasadiverse,
yetoneteam.Assuchwecommittoupholdtheshareholderstrustinus.
MBAPROFILEOFBANKS5

STATEMENTOFFINANCIALPOSITION
AsAt30June
ASSETS
Cashandcashequivalents
Duefromfinancialinstitutions
Loansandadvancestocustomers
Investmentsecurities
Property,Plantandequipment
Intangibleassets
Deferredtaxassets
Currenttaxassets
Otherassets
Totalassets
LIABILITIES
Depositsfromcustomers
Otherborrowedfunds
Currenttaxliabilities
Otherliabilities
Preferenceshares
Totalliabilities
Shareholders'Equity
Statedcapital
Retainedearnings
Otherreserves
Capitalandreservesattributabletoequityownersofthe
Bank
Totalequityandliabilities
Group
2011
MUR
2012
MUR
383,521,559
120,592,750
2,370,947,816
1,259,757,398
31,047,186
15,376,480
8,685,814
5,849,073
330,666,899
4,526,444,975
3,937,395,089
629,732
164,512,919
182,407,187
4,284,944,927
234,516,240
(7,018,608)
14,002,416
241,500,048
4,526,444,975
641,381,015
153,784,482
1,921,910,516
73,111,850
26,951,873
15,335,001
8,047,743
5,849,073
238,254,635
3,084,626,188
2,529,119,244
874,955
162,618,917
167,745,689
2,860,358,805
201,013,920
7,547,047
15,706,416
224,267,383
3,084,626,188
2010
MUR
264,226,826
163,467,776
2,062,823,621
13,641,156
8,169,505
185,771
11,315,384
193,297,097
2,717,127,136
2,185,646,974
26,484,030
6,390,345
134,444,389
112,759,396
2,465,725,134
201,013,920
26,195,366
24,192,716
251,402,002
2,717,127,136
Note:
TheAuditedFinancialStatementsfortheyearended30June2013forABCBankingCorporationLtd
(Group)isnotyetavailable.
MBAPROFILEOFBANKS6

STATEMENTOFCOMPREHENSIVEINCOME
ForTheYearEnded30June
Interestincome
Interestexpense
Netinterestincome
Feeandcommissionincome
Feeandcommissionexpense
Netfeeandcommissionincome
Otherincome
Provisionforcreditimpairmentonfinancialassets
Personnelexpenses
Depreciationandamortisation
Otherexpenses
Operatingprofitandprofitbeforetax
Incometaxexpense
(Loss)/Profitfortheyear
Group
2011
MUR
2012
MUR
297,302,672
(231,577,898)
65,724,774
22,905,631
(1,591,385)
21,314,246
13,114,130
100,153,150
(27,080,069)
(46,383,809)
(7,271,430)
(34,621,567)
(115,356,875)
(15,203,725)
638,070
(14,565,655)
244,504,232
(199,752,243)
44,751,989
18,374,995
(1,218,739)
17,156,256
30,772,190
92,680,435
(29,821,922)
(41,283,275)
(6,080,418)
(36,893,978)
(114,079,593)
(21,399,158)
(3,833,952)
(25,233,110)
2010
MUR
297,611,819
(233,388,877)
64,222,942
17,985,532
17,985,532
1,127,893
83,336,367
(22,999,992)
(21,202,488)
(1,894,912)
(16,285,094)
(62,382,486)
20,953,881
(4,444,761)
16,509,120
Note:
TheAuditedFinancialStatementsfortheyearended30June2013forABCBankingCorporationLtd
(Group)isnotyetavailable.
MBAPROFILEOFBANKS7

AsAt30June
ASSETS
Duefromfinancialinstitutions
Investmentinsubsidiary
Property,Plantandequipment
Intangibleassets
Deferredtaxassets
Currenttaxassets
Otherassets
Totalassets
LIABILITIES
Otherborrowedfunds
Otherliabilities
Preferenceshares
Totalliabilities
Shareholders'Equity
Statedcapital
(Accumulatedlosses)/Retainedearnings
Otherreserves
Capitalandreserves
Bank
2012
MUR
2013
MUR
1,180,200,869
985,271,614
2,430,191,520
2,166,577,625
119,585,273
15,185,060
9,433,475
3,920,166
399,328,701
7,309,694,303
6,593,970,793
50,378,328
171,233,815
182,407,187
6,997,990,123
304,871,110
(3,985,651)
10,818,721
311,704,180
7,309,694,303
383,006,543
120,592,750
2,370,947,816
1,259,757,398
3,000,000
30,311,349
15,330,036
8,640,826
5,849,073
330,666,899
4,528,102,690
3,937,395,089
629,732
165,027,636
182,407,187
4,285,459,644
234,516,240
(5,875,610)
14,002,416
242,643,046
4,528,102,690
2011
MUR
640,804,653
153,784,482
1,922,895,798
73,111,850
3,000,000
25,977,398
15,218,893
8,002,756
5,849,073
238,254,635
3,086,899,538
2,530,619,244
874,955
162,618,917
167,745,689
2,861,858,805
201,013,920
8,320,397
15,706,416
225,040,733
3,086,899,538
MBAPROFILEOFBANKS8

Interestincome
Interestexpense
Netinterestincome
Bank
2012
MUR
2013
MUR
338,143,578
(262,576,399)
75,567,179
34,063,579
(1,819,185)
32,244,394
297,302,672
(231,577,898)
65,724,774
22,905,631
(1,591,385)
21,314,246
2011
MUR
244,468,991
(199,752,243)
44,716,748
18,374,995
(1,218,739)
17,156,256
Otherincome
Provisionforcreditimpairmentonfinancialassets
Personnelexpenses
Otherexpenses
20,170,304
127,981,877
(16,783,258)
(52,947,195)
(8,420,701)
(46,470,984)
(124,622,138)
13,114,130
100,153,150
(27,080,069)
(46,383,809)
(6,963,128)
(34,560,221)
(114,987,227)
30,772,190
92,645,194
(29,821,922)
(41,283,275)
(5,769,097)
(36,794,963)
(113,669,257)
Operatingprofit/(loss)beforetax
Tax(expense)/credit
Profit/(Loss)fortheyear
3,359,739
(1,136,258)
2,223,481
(14,834,077)
638,070
(14,196,007)
(21,024,063)
(3,833,952)
(24,858,015)
MBAPROFILEOFBANKS9

ContactDetails:
AfrAsiaBankLimited
BowenSquare
10,DrFerrireStreet
PortLouis,Mauritius
Tel:(230)2085500
Fax:(230)2138850
Email:afrasia@afrasiabank.com
Website:www.afrasiabank.com
blog.afrasiabank.com
MBAPROFILEOFBANKS10
AfrAsia Bank Limited

HeadquarteredintheMauritiusInternationalFinancialCentre,AfrAsiaBankisaboutiquefinancial
services provider, serving the AfricaAsia trade and investment corridor and operating as an
integrated bank, combining its strengths and expertise in three core divisions namely; Private
BankingandWealthManagement,CorporateandInvestmentBankingandInternationalBanking
Solutions.
InadditiontoitsanchorMauritianshareholderGML,thelargestconglomerateontheisland,other
strongstrategicpartnersincludePROPARCO(subsidiaryoftheAgenceFranaisedeDveloppement
andothermajorfinancialinstitutions),IntrasiaCapital(Singapore)andAsiaBridge.TheBankscore
banking and transactional capabilities are also complemented by its asset management arm, AXYS
Capital Management and its investment banking arm, AfrAsia Corporate Finance based in South
Africa.
AfrAsia Banks global structure comprises of representative offices in South Africa, namely Cape
TownandJohannesburgandastrategicstakeinAfrAsiaKingdomZimbabweLimited(AKZL).Products
and services offered by the bank include corporate and project finance, debt capital market and
bond issuance, structured trade finance, treasury, global custody services, investment banking,
amongstothers.
The Bank, incorporated in 14 January 2007, currently employs 149 staff with its subsidiaries/
associate companies. AfrAsia Bank has been recognised for its unremitting dedication, receiving
severalawardsamongstwhichtheBestLocalPrivateBankinMauritiusin2012&2013(Euromoney),
BestOnlineReporting2013(PriceWaterHouseCoopersMauritius)andBestPrivateBankinMauritius
in2011(Euromoney).
CorporatePhilosophy:
AfrAsia Bank aims to be the reference point for Corporate & Investment Banking, Private Banking
andGlobalBusinessSolutionslinkingMauritiusandtheAfricaAsiatradecorridorbybeingcloserto
thosemarkets.
MBAPROFILEOFBANKS11

Group
AsAt30June
2013
2012
MUR
MUR
ASSETS
CashandbalanceswithCentralBank
1,598,715,632
676,371,624
Duefrombanks
9,009,843,939
3,527,186,481
Derivativefinancialinstruments
68,581,360
190,544,328
Financialinvestmentsheldfortrading
532,685,518
1,162,543,500
14,007,752,016 12,784,321,295
Investmentinjointventure
55,177,034
53,393,539
Investmentinassociates
225,313,514
408,444,360
Financialinvestmentsavailableforsale
40,722,657
14,999,997
Financialinvestmentsheldtomaturity
5,807,802,824
3,506,007,725
Equipment
28,763,936
14,321,946
Intangibleassets
15,420,212
17,094,812
Deferredtaxassets
8,055,035
7,681,088
Otherassets
165,323,024
29,440,868
Totalassets
31,564,156,701 22,392,351,563
LIABILITIESANDEQUITY
Duetobanks
881,908,278
8,516,013
66,241,883
126,912,147
27,224,339,709 19,626,670,732
Debtsissued
940,323,447
688,625,890
22,175,979
9,631,747
Otherliabilities
231,773,086
150,243,695
Totalliabilities
29,366,762,382 20,610,600,224
Equityattributabletoequityholdersoftheparent
Issuedcapital
1,694,593,418
1,398,457,492
Retainedearnings
290,049,913
289,421,575
Otherreserves
212,750,988
93,872,272
Totalequity
2,197,394,319
1,781,751,339
Totalliabilitiesandequity
31,564,156,701 22,392,351,563
2011
MUR
1,085,084,764
3,945,077,133
181,201,384
441,804,000
8,549,378,712
46,616,525
7,684,689
2,560,492,783
13,364,250
13,591,022
2,532,127
19,907,408
16,866,734,797
28,483,333
125,325,638
14,962,435,979
547,090,779
18,385,558
116,129,669
15,797,850,956
921,638,335
100,758,107
46,487,399
1,068,883,841
16,866,734,797
MBAPROFILEOFBANKS12

Interestincome
Interestexpense
Netinterestincome
Feesandcommissionincome
Feesandcommissionexpense
NetFeesandCommissionIncome
NetTradingincome
Otheroperatingincome
Totaloperatingincome
Reversalofimpairmentcharge/(NetAllowanceforcredit
impairment)
Netoperatingincome
Personnelexpenses
Depreciationofequipment
Amortisationofintangibleassets
Otheroperatingexpenses
Totaloperatingexpenses
Operatingprofit
Shareofprofitofjointventure
Shareof(loss)/profitofassociates
Profitbeforetax
Taxexpense
Profitfortheyear
Group
2012
MUR
2013
MUR
986,611,615
(620,362,470)
366,249,145
179,492,120
(21,367,222)
158,124,898
193,093,707
9,336,696
726,804,446
2011
MUR
829,224,426
543,026,048
(506,702,114) (324,266,104)
322,522,312
218,759,944
116,006,675
53,752,370
(14,620,861) (11,037,085)
101,385,814
42,715,285
62,062,243
107,997,630
1,608,361
341,655
487,578,730
369,814,514
1,152,052 (24,874,478)
727,956,498 462,704,252
(197,632,225)
(172,852,372)
(4,695,949) (3,227,502)
(5,714,166)
(4,031,198)
(118,000,522) (92,310,605)
(326,042,862) (272,421,677)
401,913,636 190,282,575
16,283,494 6,777,014
(177,483,655)
93,403,802
240,713,475 290,463,391
(37,678,683) (20,086,630)
203,034,792 270,376,761
(25,299,641)
344,514,873
(126,720,957)
(3,058,647)
(3,601,221)
(68,561,015)
(201,941,840)
142,573,033
5,703,724
2,662,251
150,939,008
(26,552,498)
124,386,510
MBAPROFILEOFBANKS13

AsAt30June
ASSETS
CashandbalanceswithCentralBank
Duefrombanks
Otherfinancialassetsheldfortrading
Investmentinsubsidiaries
Financialinvestmentsheldtomaturity
Equipment
Intangibleassets
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Duetobanks
Debtsissued
Amountduetosubsidiary
Otherliabilities
TotalLiabilities
Equityattributabletoequityholdersoftheparent
Issuedcapital
Retainedearnings
Otherreserves
Totalequity
2013
MUR
Bank
2012
MUR
1,598,715,632
9,009,807,334
25,637,161
532,685,518
14,007,752,016
383,115,237
5,807,802,824
28,756,687
15,420,212
8,055,035
41,951,992
31,459,699,648
881,908,278
49,697,684
27,232,616,080
883,069,803
57,253,644
22,175,979
138,309,815
29,265,031,283
1,694,593,418
290,007,317
210,067,630
2,194,668,365
2011
MUR
676,371,624
3,527,119,302
123,782,046
1,162,543,500
12,784,435,754
363,163,638
3,506,007,725
14,313,604
17,094,812
7,637,567
29,365,439
22,211,835,011
1,085,084,764
3,944,929,389
101,097,074
441,804,000
8,549,378,712
25,000,000
2,560,492,783
13,354,813
13,591,022
2,494,027
19,900,410
16,762,149,432
8,516,013
28,483,333
63,249,865
48,321,328
19,628,367,164 14,962,538,164
565,479,715
421,574,481
123,146,176
125,516,298
9,631,747
18,385,558
131,281,959
97,941,160
20,529,672,639 15,702,760,322
1,398,457,492
189,817,849
93,887,031
1,682,162,372
921,638,335
91,263,376
46,487,399
1,059,389,110
31,459,699,648 22,211,835,011 16,762,149,432
MBAPROFILEOFBANKS14

Interestincome
Interestexpense
Netinterestincome
986,614,164 829,230,689
543,017,482
(620,367,037) (506,702,307) (324,271,915)
366,247,127 322,528,382
218,745,567
Feesandcommissionincome
Feesandcommissionexpense
NetFeesandCommissionIncome
176,526,845 116,006,675
53,752,370
(20,730,461) (14,576,701) (10,942,605)
155,796,384 101,429,974
42,809,765
Bank
2012
MUR
2013
MUR
2011
MUR
132,453,791
9,336,696
663,833,998
62,056,737
11,210,410
497,225,503
107,978,574
144,357
369,678,263
NetTradingincome
Reversalofimpairmentcharge/(NetAllowanceforcredit
impairment)
Netoperatingincome
1,152,052
(24,874,478) (25,299,641)
664,986,050 472,351,025
344,378,622
Personnelexpenses
Operatingprofit
(197,632,225)
(4,694,856)
(5,714,166)
(116,857,206)
(324,898,453)
340,087,597
Profitbeforetax
Taxexpense
(126,720,957)
(3,046,724)
(3,601,221)
(68,297,982)
(201,666,884)
142,711,738
340,087,597
200,359,817
142,711,738
(37,491,675) (20,092,051) (26,567,883)
Profitfortheyear
(172,852,372)
(3,226,406)
(4,031,198)
(91,881,232)
(271,991,208)
200,359,817
302,595,922 180,267,766
116,143,855
MBAPROFILEOFBANKS15
ContactDetails:
BankofBaroda
BankofBarodaBuilding
22,SirWilliamNewtonStreet
PortLouis,Mauritius
Tel:(230)2081504/05
Fax:(230)2083892
Email:bobgen@intnet.mu
Website:www.bankofbarodamu.com
MBAPROFILEOFBANKS16
Bank of Baroda
BankofBarodawasestablishedon20July1908asaregionalbankinIndia.Ithasnowbecomeone
ofthelargestPublicSectorBanksinIndiahavingahistoryofcontinuousprofitssinceitsinception.
BankofBarodaoperatesinoverseasterritoriessince1953andhaspresencein25countrieswitha
globalnetworkofover4250branches.
Mauritiusoperations:BankofBarodahasbeenpresentinMauritiussince1962,andhaspresently7
domesticbrancheswithonsiteATMsandoneoffshoreBankingUnit.Moreover,thereisonemobile
bankingunitwhichisuniqueandprovidesdoorstepbankingservicesinabout30villagesthroughout
theislandsince1965.Thebankhasbuiltupasatisfactoryperformancetrailoverthelast50yearsin
Mauritius.
IthasonlineconnectivitywithallitsbranchesinMauritiusandalmostalltheoperationsofthebank
areundercorebankingSolution(CBS)whichenhancesthegoodcustomerservice.OurVISAdebit
card can be used on any ATM with VISA LOGO either locally or internationally. Internet banking
facilityisalsoinplaceforthetechsavvycustomers.
Coupled with the technology, other services such as worldwide transfer of funds, direct debits,
various attractive loans and deposit schemes, international banking products such as foreign
currencyloans,tradefinanceetcarealsoofferedtoourvaluedcustomers.
MissionStatement:
Tobeatoprankingnationalbankofinternationalstandardscommittedtoaugmentstakeholders
valuethroughconcern,careandcompetence.
MBAPROFILEOFBANKS17
Bank of Baroda
AsAt31March
ASSETS
Securitiesandotherinvestments
Investmentproperties
Property,plantandequipment
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Depositsfrombanks
Borrowingsfrombanks
Currentincometaxliabilities
Deferredincometaxliabilities
Retirementbenefitobligations
Otherliabilities
Totalliabilities
Shareholders'Equity
AssignedCapital
Reserves
Retainedearnings
2013
MUR'000
793,534
13,683,120
18,261,837
23,304
117,793
238
162,441
33,042,267
16,027,109
13,283,247
2,358,619
5,629
12,522
234,906
31,922,032
200,860
442,711
476,664
1,120,235
33,042,267
2012
MUR'000
860,616
11,091,137
14,861,060
23,304
114,239
170,390
27,120,746
8,669,449
14,897,422
2,245,360
8,388
4,888
12,344
240,790
26,078,641
200,860
396,108
445,137
1,042,105
27,120,746
2011
MUR'000
488,268
8,225,698
12,583,938
16,768
85,398
142,632
21,542,702
5,701,711
11,957,005
2,628,089
8,006
4,805
13,485
267,201
20,580,302
200,860
343,666
417,874
962,400
21,542,702
MBAPROFILEOFBANKS18
Bank of Baroda
ForTheYearEnded31March
Interestincome
Interestexpense
Netinterestincome
Otherincome
Operatingincome
Net(reversal)/impairmentlossonfinancialassets
Personnelexpenses
Depreciationofproperty,plantandequipment
Otherexpenses
Profitbeforeincometax
Incometaxexpense
NetProfitfortheyear
2013
MUR'000
832,311
(624,393)
207,918
16,026
27,530
43,556
251,474
(4,845)
32,230
4,361
35,016
66,762
184,712
(12,946)
171,766
2012
MUR'000
2011
MUR'000
788,939 606,676
(576,085) (407,764)
212,854 198,912
17,710 13,937
43,298 35,560
61,008 49,497
273,862 248,409
48,379 (23,639)
30,808 (32,464)
2,997 (4,090)
28,358 (30,888)
110,542 (91,081)
163,320 157,328
(19,515) (21,202)
143,805 136,126
MBAPROFILEOFBANKS19
ContactDetails:
BankOneLimited
16,SirWilliamNewtonStreet,
PortLouis,Mauritius
Tel:(230)2029200
Fax:(230)2104712
Email:info@bankone.mu
Website:www.bankone.mu
MBAPROFILEOFBANKS20
Bank One Limited

BankOneisa50:50jointventure(JV)betweenCIELGroupofMauritiusandI&MBankofKenya.
TheJVtookoverthebankinFeb2008whichwasrebrandedasBankOne.BankOneisauniversal
bankprovidingarangeofbankingandfinancialproductsandserviceswhichincludetransactionand
deposits accounts, personal finance, trade finance, corporate finance and capital market services,
andahostofotheruniquebankingservices,withtailormadesolutionsforRetailBanking,Corporate
Banking,PrivateBanking&WealthManagementandInternationalBanking.
BankOneisamediumsizebankinMauritiuswithanassetbaseofoverMUR19.4millionandabove
300employees.ItoperateswithsixteenbranchesthroughoutMauritiusandhasawelldistributed
networkofATMsandfullyoperationalBankingplatform.Withaclientbaseofabove50,000serviced
byateamofhighlyprofessionalsinafullycomputerizedonlineITenvironment,theBankalsooffers
internationalDebitCard,VisaCard,VisaprepaidCardasawellasecommercefacilities.
BankOnealsocontributestovarioussocialactivitiesunderprivilegedthroughFoundationNouveau
Regard,arecognisedNGOinitiatedbyCIELGroup
OurVision:
Tobeamongsttheleadingdomesticbanksknownforitsexcellenceandaregionalplayer.
MBAPROFILEOFBANKS21
Bank One Limited

AsAt31December
ASSETS
Derivativeassetsheldforriskmanagement
Loansandadvancestobanks
Intangibleassets
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Derivativeliabilitiesheldforriskmanagement
Otherborrowedfunds
Subordinatedliabilities
Otherliabilities
TotalLiabilities
Shareholders'Equity
StatedCapital
Sharecapitalpendingallotment
Callsonshares
Otherreserves
Retainedearnings
2012
MUR'000
2011
MUR'000
2010
MUR'000
4,315,788
12,984
11,947,585
1,567,109
328,909
55,371
31,873
1,143,963
3,187,034
5,094
117,247
9,087,874
1,814,166
320,117
51,289
36,983
1,056,137
3,339,743
6,258
100,459
7,965,781
1,415,166
322,116
46,152
49,461
703,478
19,403,582
15,675,941
13,948,614
17,198,221
3,037
367,505
330,815
10,020
359,777
14,118,085
3,406
323,096
15,307
265,978
12,598,708
5,995
281,376
6,115
249,738
18,269,375
14,725,872
13,141,932
551,456
164,326
418,425
551,456
123,051
275,562
551,456
103,652
151,574
1,134,207
950,069
806,682
19,403,582
15,675,941
13,948,614
MBAPROFILEOFBANKS22
Bank One Limited

ForTheYearEnded31December
Interestincome
Interestexpense
Netinterestincome
Nettradingincome
OperatingIncome
Netimpairmentlossonfinancialassets
Personnelexpenses
Otherexpenses
Profitonsaleandrecoveryofassets
Incometaxexpense
Profitfortheyear
2012
MUR'000
2011
MUR'000
2010
MUR'000
903,845
(507,199)
396,646
825,496 731,286
(469,306) (439,124)
356,190 292,162
142,481
(35,424)
107,057
129,063 114,249
(25,327) (19,694)
103,736 94,555
135,291
8,462
143,753
109,900 57,416
299 10,278
110,199 67,694
647,456
570,125
454,411
(46,025)
(232,913)
(35,649)
(112,579)
(427,166)
220,290
4,378
224,668
(21,300)
203,368
(35,615)
(203,078)
(35,043)
(93,720)
(367,456)
202,669
202,669
(27,381)
175,288
(26,421)
(173,235)
(34,640)
(83,593)
(317,889)
136,522
59,322
195,844
(27,556)
168,288
MBAPROFILEOFBANKS23
ContactDetails:
BanquedesMascareignesLte
Level8,OneCathedralSquare
16JulesKoenigStreet
PortLouis,Mauritius
Tel:(230)2078600
Fax:(230)2124983/2131675
Email:serviceclient@bm.mu
Website:www.banquedesmascareignes.mu
MBAPROFILEOFBANKS24
Banque des Mascareignes Lte

BanquedesMascareignesisawhollyownedsubsidiaryofGroupeBPCE,France.Foundedin2009,
GroupeBPCEservesatotalof36millioncustomers.GroupeBPCEpursuesallthedifferentactivities
of a banking specialist through: The cooperative retail banking networks comprised of 19 Banque
Populairebanksand17CaissesdEpargneinFranceandaninternationalnetworkofbanksunderthe
supervisionofBPCEIOM.
A number of subsidiaries including Banque 1818 and Natixis, the Groups specialized corporate &
investmentbanking,assetmanagementandfinancialservicesarm,apubliclylistedcompanyonthe
Paris stock exchange. The central institution BPCE defines the strategy and assumes
responsibility for the control and coordination of the Group. All the credit institutions affiliated to
BPCEarecoveredbyaguaranteeandsolidaritymechanism.
Banque des Mascareignes Lte beneficiates from the support of Groupe BPCE and aims at
developing synergies within the Group so as to enrich its range of valueadded and innovative
productsandservices.
With a retail network of 12 branches and aForeign Exchange deskatSSR International Airport,
BanquedesMascareignesservesindividualandprofessionalcustomersaswellasSMEsandPrivate
Bankingcustomersthroughouttheisland.Thebankalsoprovidesacomprehensiverangeofspecific
productsandservicestolargeCorporatesandInternationalBankingcustomers.
MissionStatement:
Mieuxseconnatrepourinstaurerdesrelationsdeconfiancedurables.
MBAPROFILEOFBANKS25

Group
AsAt31December
ASSETS
Goodwill
Intangibleassets
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Depositsfrombanks
Borrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
StatedCapital
Retainedearnings
Otherreserves
Equityattributabletotheequityholdersoftheparent
Noncontrollinginterests
Totalequity
2012
MUR'000
2011
MUR'000
2,290,888
1,653,246
14,714,919
1,605,904
75,707
69,485
9,145
157,805
719,997
2,515,861
2,816,033
13,103,943
1,638,462
73,816
89,650
13,419
65,291
640,085
21,297,096
20,956,560
1,286,670
13,311,624
4,215,105
621,200
15,972
630,097
11,835,434
6,646,846
501,093
21,646
542,404
20,080,668
19,547,423
1,499,016
(432,711)
143,562
1,209,867
6,561
1,216,428
838,734
392,000
162,848
1,393,582
15,555
1,409,137
21,297,096
20,956,560
MBAPROFILEOFBANKS26

Group
Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Netincomefromotherfinancialinstrumentscarriedatfairvaluethrough
profitorloss
OperatingIncome
Personnelexpenses
Operatingleaseexpenses
Otherexpenses
Operatingprofitbeforeimpairment
(Loss)/Profitbeforetax
Incometaxcredit/(Charge)
2012
MUR'000
2011
MUR'000
902,081 908,248
(423,604) (414,425)
478,477 493,823
122,871 123,099
(34,111) (19,902)
88,760 103,197
80,345
(655)
45,091
124,781
89,637
1,126
27,673
118,436
692,018 715,456
(210,740) (187,250)
(37,580) (34,512)
(43,356) (46,716)
(164,977) (136,399)
(456,653) (404,877)
235,365
(1,013,994)
(778,629)
55,207
(723,422)
310,579
(221,220)
89,359
(1,299)
88,060
MBAPROFILEOFBANKS27

AsAt31December
ASSETS
Intangibleassets
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Depositsfrombanks
Borrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
StatedCapital
Retainedearnings
Otherreserves
Totalequity

2012
MUR'000
Bank
2011
MUR'000
2010
MUR'000
2,180,659
1,653,246
14,684,614
1,570,446
106,072
50,651
2,916
155,888
711,403
2,467,357
2,816,033
13,097,346
1,625,308
106,072
63,590
6,018
64,265
699,189
1,168,801
5,873,359
11,528,766
1,553,112
73,706
15,764
18,731
615,763
21,115,895
20,945,178
20,848,002
1,286,670
13,129,066
4,215,105
621,200
15,972
548,351
11,793,005
6,647,225
501,093
21,646
545,804
12,366,011
6,458,669
336,218
24,110
358,113
19,816,364
19,508,773
19,543,121
1,499,016
(357,347)
157,862
838,734
445,546
152,125
838,734
325,181
140,966
1,299,531
1,436,405
1,304,881
21,115,895
20,945,178
20,848,002
MBAPROFILEOFBANKS28

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Netincomefromotherfinancialinstrumentscarriedatfair
valuethroughprofitorloss
OperatingIncome
Personnelexpenses
Otherexpenses
Operatingprofitandprofitbeforetax
Incometaxexpense

2012
MUR'000
Bank
2011
MUR'000
2010
MUR'000
892,704
(418,683)
474,021
906,162 860,752
(407,010) (378,098)
499,152 482,654
115,433
(33,897)
81,536
118,600 136,474
(19,544) (17,495)
99,056 118,979
77,074
88,334 106,082
(655)
35,562
111,981
1,126
37,021 25,313
126,481 131,395
667,538
724,689 733,028
(1,012,845)
(205,737)
(34,188)
(31,371)
(130,990)
(1,415,131)
(220,004) (110,959)
(183,096) (162,185)
(32,696) (29,332)
(38,406) (32,434)
(107,164) (140,362)
(581,366) (475,272)
(747,593)
54,983
(692,610)
143,323 257,756
(1,717) (30,423)
141,606 227,333
MBAPROFILEOFBANKS29
ContactDetails:
BanyanTreeBankLimited
Level13,Tower1,Nexteracom,Cybercity
Ebene,Mauritius
Tel:(230)4681101
Fax:(230)4681902
Email:info@banyantreebank.com
Website:www.banyantreebank.com
MBAPROFILEOFBANKS30
BanyanTree Bank Limited

BanyanTree Group, promoted by finance professionals with over three decades of banking
experience, has partnered with wellknown IndoMauritian business persons and global strategic
investors to establish BanyanTree Bank a fullservice bank in Mauritius. The Group is currently
managingtwoprivateequityfundsinMauritiuswithAssetsUnderManagementof~US$250Mn.
The fund makes investments in fast growing middle market companies in India and has received
commitmentsfromreputedglobaldevelopmentbanksandfinancialinstitutions.
BanyanTreeBankLimitedcommencedoperationsinFebruary2013.Thebankisattheforefrontof
technological innovation and is committed to enhance the user experience by providing
differentiatedandinnovativeproducts.TheBankaimstoofferproductsandsolutionsthatarecost
effectiveandencouragesavingsbyindividualsandcorporates.
The Bank employs a technology driven philosophy that pushes for development of products and
services based on the Banks technical abilities. This technologyenabled model helps deliver
maximumvaluetocustomersintheformofhigherinterestratesondepositsandlowerfees.
Vision:
BanyanTreeBankwillleveragetechnologytooffercosteffectivesolutionstoourcustomers.
MBAPROFILEOFBANKS31
ContactDetails:
BarclaysBankMauritiusLimited
ManagingDirectorsOffice
6thFloor,BarclaysHouse
68/68ACyberCity
Ebene,Mauritius
Tel(230)4041042
Fax(230)4044806
Email:barclays.mauritius@barclays.com
Website:www.barclays.com/africa/mauritius
MBAPROFILEOFBANKS32
Barclays Bank Mauritius Limited

BarclayspresenceinMauritiusdatesbackto1919,andeversincethen,thebankhasplayedakey
role in the expansion of business on the island. Barclays in Mauritius operates as a locally
incorporated entity since 1 June 2013 with Barclays Bank PLC UK remaining the ultimate holding
company.Itispresentinbothdomesticandinternationaldivisionsofthefinancialsector.
Barclays Mauritius provides a range of banking services to personal and corporate customers.
Personal services comprise a range of current and savings accounts, currency accounts, loans
includinghomeloansandmultipurposeloans;creditcards,ATMsandtelephonebanking.Business
services include lending products, trade and export finance, asset financeand many specialist
services such as treasury, foreign exchange and capital markets capability. Barclays Mauritius
employsmorethan800staffandhasmorethan150,000customers.
Barclays was the first bank in Mauritius to be granted an offshore banking licence and engages in
banking activities in all foreign currencies. The International Banking offers traditional banking
servicestoaglobalclientbaseconsistingoflargemultinationalcompaniesandprivateclients.
GoalandPurpose:
ThegoalofBarclaysistobetheGoTobank.
Ourpurposeistohelppeopleachievetheirambitionsintherightway.
MBAPROFILEOFBANKS33
Barclays Bank PLC

AsAt31December
ASSETS
Cashandbalanceswithbanks
Tradingassets
Intangibleassets
Goodwill
Retirementbenefitassets
Investmentinsubsidiarycompany
Deferredincometaxassets
Otherassets
AssetsClassifiedasheldforsale
Totalassets
LIABILITIES
Depositsfrombanks
Otherborrowedfunds
Currentincometaxliabilities
Deferredincometaxliabilities
Provisions
Otherliabilities
Totalliabilities
Equityandreserves
Assignedcapital
Retainedearnings
Reserves
Totalequityandreserves
Totalliabilities,equityandreserves
2012
MUR'm
2011
MUR'm
2010
MUR'm
43,968
36
49
941
35,360
9,238
486
86
67
1
174
2,866
93,272
9
93,281
34,077
32
37
150
45,876
8,234
515
102
63
2
9
149
2,444
91,690
91,690
35,091
80
50
116
43,829
9,515
649
85
66
20
203
176
2,570
92,450
92,450
30
72,822
31
8,300
46
64
68,718
22
14,619
62
8
39
683
84,215
232
6,880
363
7,475
91,690
97
79,670
33
2,969
104
7
196
556
11
22
704
81,966
3,696
6,763
856
11,315
93,281
83,632
237
8,007
574
8,818
92,450
MBAPROFILEOFBANKS34
Barclays Bank PLC

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Net(loss)/incomefromotherfinancialinstrumentscarried
atfairvalue
Operatingincome
Personnelexpenses
Otherexpenses
Incometaxexpense
Profitfortheyear
2012
MUR'm
2011
MUR'm
3149
(1,263)
1,886
515
(46)
469
449
37
486
2,841
(212)
(968)
(70)
(113)
(479)
(1,842)
999
19
1,018
3,000
(1,147)
1,853
485
(45)
440
541
2010
MUR'm
3,677
(1,423)
2,254
558
(79)
479
736
22 (13)
123 1,325
686 2,048
2,979
(56)
(938)
(83)
(99)
(455)
(1,631)
1,348
(168)
1,180
4,781
603
1,198
72
117
404
2,394
2,387
(9)
2,378
MBAPROFILEOFBANKS35
ContactDetails:
BramerBankingCorporationLtd
26,BourbonStreet
PortLouis,Mauritius
Tel:(230)4054400
Fax:(230)2134792
Email:info@bramerbank.mu
Website:www.bramerbank.mu
MBAPROFILEOFBANKS36
Bramer Banking Corporation Ltd

Bramer Banking Corporation, formerly known as South East Asian Bank, was licensed by Bank of
Mauritius in August 1988 and started operations in June 1989. The Bank has merged with The
Mauritius Leasing Company Limited, the leading asset finance provider in Mauritius, in May 2012
andthemergedentitywaslistedontheStockExchangeofMauritiusasfrom9thMay2012.Bramer
BankshareshavebeenincludedintheSEM7Indexofequitieswiththehighestmarketcapitalization
asfromOctober2012.
AsatMarch2013,BramerBankhadtotalassetsofMUR11.7bn.TheBankoffersawidechoiceof
financing,depositsandtransactionalfacilitiestomeetthepersonalandbusinessrequirementsofits
clientele. It also operates leasing and microfinance services including Islamic Leasing (Ijaarah),
followingthemergerwithMauritiusLeasing.
Bramer Bank has a network of 19 branches across the island in line with its mission to deliver
proximityservicestoitscustomers.ItalsoprovidesPrivateBankingServicestocaterforthehighnet
worth segment. Bramer Banks International Banking division provides a range of crossborder
banking services, including project finance and finance syndication in view to meet the complex
financingrequirementsofinternationalinvestorsandcorporates.
MissionStatement:
Generate enhanced shareholder returns through delivery of excellent, differentiated products and
servicestogrowingbusinessesandaspiringindividuals.
MBAPROFILEOFBANKS37

2012
MUR'000
AsAt31December
ASSETS
Tradingassets
Assetsheldforsale
Investmentindebentures
Intangibleassets
Currenttaxassets
Deferredtaxassets
Otherassets
Totalassets
2011
MUR'000
2010
MUR'000
LIABILITIES
Tradingliabilities
Otherborrowedfunds
Deferredtaxliabilities
Provisions
Otherliabilities
Totalliabilities
Shareholders'Equity
Sharecapital
Retainedearnings
Otherreserves
Totalequity
658,551
116
6,216,096
899,784
128,225
450,000
940,077
59,580
2,060
10,690
1,513,309
901,934
58
3,764,384
1,125,097
1,743,911
3,533,885
388,550
326,760
76,067
5,932
864,337
176,200
67,666
664
454,641
10,878,488
7,064,569
6,365,517
8,524,826
85
379,914
295,000
15,801
6,140,896
33,674
265,000
5,617,695
1,225
58
150,000
7,891
10,374
183,263
4,351
6,046
182,917
9,673,548
6,641,098
5,962,292
1,000,792
133,549
70,599
200,000
162,646
60,825
200,000
153,890
49,335
1,204,940
423,471
403,225
10,878,488
7,064,569
6,365,517
457,922
MBAPROFILEOFBANKS38

ForTheEightMonthsPeriodEnded/YearEnded31
December
Interestincome
Interestexpense
Netinterestincome
Dividendincome
value
Operatingincome
Netimpairmentonfinancialassets
Personnelexpenses
Otherexpenses
Profitbeforeexceptionalitemsandincometax
Exceptionalitem
Profitafterexceptionalitemsbeforeincometax
Incometaxexpense
Profitfortheperiod/year
2012*
MUR'000
2011
MUR'000
2010
MUR'000
500,250
(306,878)
193,372
425,652 318,432
(251,333) (174,841)
174,319 143,591
54,155
(2,448)
51,707
79,706 51,429
79,706 51,429
31
69 66
38,725
38,756
121,905 109,359
121,975 109,425
283,835
376,000 304,445
4,678
111,979
15,689
40,828
100,849
274,023
19,048
135,534
23,321
48,001
100,253
326,157
9,812
9,812
6,730
16,542
49,843 47,908
(26,484)
23,359
(3,847) (4,528)
19,512 43,380
18,327
112,637
16,257
32,822
76,494
256,537
Note:
*TheStatementofComprehensiveIncomefortheyear2012isfortheeightmonthsperiodended31
December2012.
MBAPROFILEOFBANKS39
ContactDetails:
CenturyBankingCorporationLtd
Suite405,4thFloor,BarklyWharf
CaudanWaterfront,PortLouis
Mauritius
Tel:(230)2133400
Fax:(230)2139200
Website:www.cbc.com.mu
MBAPROFILEOFBANKS40
Century Banking Corporation Ltd

Century Banking Corporation Ltd, formed as a result of the strategic partnership between Qatari
investorsthroughDomasolLimitedandBritishAmericanInvestmentGroup,isthefirstIslamicBank
licensedbyBankofMauritius.Thebankwasgranteditsbankinglicenceon3September2010and
starteditsoperationson31March2011.
Century Banking Corporation Ltds initial focus is on wholesale banking, treasury and wealth
management, targeting the markets of Africa and Asia, including Mauritius and Middle East. By
offering tailormade Sharia compliant products and services, the bank aims to ease the access of
clientstoIslamicproductswithintheIslamicfinancefraternity.
Vision:
LeadershipthrougheffectiveperformanceinShariacompliantbankingpractices.
Mission:
Drivenbyaselflessbeliefthatpersonalisedservicewillbuildvaluedrelationshipswhendeliveredwith
integrity.
MBAPROFILEOFBANKS41

AsAt31December
ASSETS
Murabahafinancing,net
Commodityplacementsthroughbanks
Currentaccountwithsubsidiary
Receivablesandprepayments
Deferredtaxassets
Totalassets
LIABILITIES
Tradeandotherpayables
Specialcharityaccountfund
Totalliabilities
Shareholders'Equity
Sharecapital
Shareapplicationmonies
Accumulatedlosses
Totalequity
2012
MUR
2011
MUR
2010
MUR
29,985,718 160,189,093 197,241,771

163,881,748 54,924,033
32,000,000
11,267,203 13,394,520 864,876

14,900,000
644,295
5,523,569 1,661,197 7,923,947

12,238,513 5,709,467
270,441,046 235,878,310 206,030,594
64,944 238,756
43,282,636 3,682,803
14,369,576
271,921
3,224
735,559
11,333,745
43,347,580 18,291,135 12,344,449
260,120,000 260,120,000 200,120,000

50,000,000
(83,026,534) (42,532,825) (6,433,855)

227,093,466 217,587,175 193,686,145
270,441,046 235,878,310 206,030,594
MBAPROFILEOFBANKS42

Incomefrom:
Murabahafinancing
Commodityplacementsthroughbanks
Investments
Fees
Operatingincome
Personnelexpenses
Allowanceforcreditimpairment
Otherexpenses
Lossbeforetaxation
Taxation
Totalcomprehensivelossfortheyear
2012
MUR
2011
MUR
2010
MUR
10,778,389
1,542,673
130,812
1,501,900
13,953,774
914,254
320,000
1,234,254
36,678,942
4,441,517
3,736,654
1,638,817
14,480,599
60,976,529
24,081,242
3,480,517
2,586,055
12,655,897
42,803,711
269,000
2,988,628
22,110
2,125,441
5,405,179
(47,022,755)
6,529,046
(40,493,709)
(41,569,457) (5,405,179)
5,470,487 (500,621)
(36,098,970) (5,905,800)
MBAPROFILEOFBANKS43

ContactDetails:
DeutscheBankMauritiusLimited
4thFloor,BarklyWharfEast
LeCaudanWaterfront,
PortLouis,Mauritius
Tel:(230)2027878
Fax:(230)2027898
Email:dbml.enquiries@list.de.com
Website:www.db.com/mauritius
MBAPROFILEOFBANKS44
Deutsche Bank (Mauritius) Limited

Deutsche Bank is a leading global investment bank with a strong and profitable private clients
franchise. Established in 1870, it is listed on both the Frankfurt and New York Stock Exchanges.
Deutsche Bank is present in 74 countries with over 100,000 employees. A leader in Germany and
Europe,thebankiscontinuouslygrowinginNorthAmerica,Asiaandkeyemergingmarkets.
DeutscheBank(Mauritius)Limited(DBML),whosemainofficeisbasedinPortLouis,isafullyowned
subsidiaryofDeutscheBankAG,Germany.DBMLwasincorporatedin1998andbeganoperatingin
early1999.Thebankprovidesacomprehensiverangeofglobalbusinessbankingservicestofinancial
institutionsandintermediaries,internationalbusinessgroupsandprivateclientsthroughitsPrivate
WealthManagement,FiduciaryandGlobalTransactionBankingdivisions.DeutscheBankalsorunsa
large insourcing operations base in Mauritius, which services a number of Deutsche Bank offices
worldwide. Currently, the bank employs a total staff complement of over 250. In 2009, Deutsche
Bank(Mauritius)LimitedopenedanotherofficesituatedinEbne.
OurValues:
Performance:Wearecommittedtoaresultorientedculture
Trust:Webehavereliably,fairlyandhonestly.
Teamwork: We benefit from the diversity of our business and our people by working together to
achievesuccess.
Innovation: We are constantly challenging conventional wisdom and developing new solutions to
meetcustomerrequirements.
ClientFocus:Weplacecustomersatthecentreofouractivitiesandtheydriveallthatwedo.
MissionStatement:
We compete to be the leading global provider of financial solutions, creating lasting value for our
clients,ourshareholders,ourpeopleandthecommunitiesinwhichweoperate.Weaspiretobethe
leadingclientcentricglobaluniversalbank.
MBAPROFILEOFBANKS45

AsAt31December
ASSETS
Otherassets
Totalassets
LIABILITIES
Otherborrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
Sharecapital
RevenueReserves
Otherreserves
Totalequity
2012
USD
2011
USD
621,312,035
508,191,801
2010
USD
2,670,538
5,471,297
350,362,690
484,004,561
6,488,000
3,078,981
6,439,918
1,507,775
2,180,165
528,982
118,514
396,833
1,137,645,671
850,374,150
4,732,269
810,405,363
285,930,893
56,045
2,429,747
554,915,799
253,457,110
75,217
2,796,157
691,696,911
288,110,793
73,439
2,235,244
1,098,822,048
811,244,283
982,116,387
7,800,330
17,885,026
13,138,267
38,823,623
1,137,645,671
7,800,330 7,800,330
18,433,142 17,671,187
12,896,395 10,937,470
39,129,867
36,408,987
850,374,150 1,018,525,374
MBAPROFILEOFBANKS46

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Operatingincome
Personnelexpenses
Otherexpenses
2012
USD
2011
USD
5,423,265
(2,279,820)
3,143,445
4,602,000 4,543,506
(1,545,947) (2,101,309)
3,056,053 2,442,197
875,598
(146,009)
729,589
860,237 830,761
(133,285) (102,004)
726,952 728,757
740,414
4,266,131
5,006,545
1,194,703 2,616,749
4,652,788 3,363,767
5,847,491 5,980,516
8,879,579
9,630,496 9,151,470
3,091,963
194,545
657,463
1,932,501
5,876,472
3,559,859
195,355
825,090
2,209,499
6,789,803
3,003,107
Incometaxexpense
Profitfortheyear
2010
USD
(123,038)
2,880,069
3,389,661
175,958
717,014
1,668,426
5,951,059
2,840,693 3,200,411
(119,813) (14,098)
2,720,880 3,186,313
MBAPROFILEOFBANKS47

ContactDetails:
HabibBankLtd
30LouisPasteurStreet
PortLouis,Mauritius
Tel:(230)2177600
Fax:(230)2163829
Email:hbl@hbl.intnet.mu
Website:www.hbl.com/mauritius
MBAPROFILEOFBANKS48
Habib Bank Limited

Habib Bank Limited (HBL) has a presence in 25 countries (including France, USA, UK Singapore,
Seychelles, Dubai, China amongst others) worldwide, serving a customer base of over 5 million
with a network of over 1500 branches across the globe, with its Head Office located in Karachi,
Pakistan.TheAgaKhanFundforEconomicDevelopment(AKFED)acquired51%oftheshareholding
of HBL in Feb 2004. Established as a branch in Mauritius, HBL started its operations in 1964.
CurrentlytheBankhasanetworkof3brancheswith2additionalupcomingbranchesin2013.
KeyhighlightsofHBLGroup:
RatedAAA(longterm)andA1+(shortterm)
AssetBaseUSD16.5billion
LatestAcquisition:
CitibanksCustomerPortfolioinPakistan
HabibsonsoperationsinUnitedKingdom
HimalayanBankLtd,Nepal(20%)
DiamondTrustBankLtd,Kenya(11.21%)
KyrgyzInvestmentandCreditBank(18%)
MissionStatement:
Tomakecustomersprosper,ourstafftoexcelandcreatevalueforstakeholders.
MBAPROFILEOFBANKS49
Habib Bank Limited

AsAt31December
ASSETS
Equipment
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Otherborrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
Assignedcapital
Statutoryreserve
Retainedearnings
Totalequity
2012
MUR'000
125,133
1,026,707
433,663
5,657
6,968
95,542
1,693,670
1,280,341
345
2,354
46,056
1,329,096
200,000
60,700
103,874
364,574
1,693,670
2011
MUR'000
88,947
936,363
483,125
8,092
6,298
89,288
1,612,113
1,212,868
2
2,749
46,507
1,262,126
200,000
58,512
91,475
349,987
1,612,113
2010
MUR'000
255,820
676,462
544,509
10,256
6,416
68,161
1,561,624
1,096,097
86,000
1,527
39,247
1,222,871
200,000
56,827
81,926
338,753
1,561,624
MBAPROFILEOFBANKS50
Habib Bank Limited

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Operatingincome
Personnelexpenses
Depreciation
Otherexpenses
Incometaxexpense
Profitfortheyear
2012
MUR'000
2011
MUR'000
94,258
(29,298)
64,960
85,420
(27,442)
57,978
2,611
5,377
3,563
8,940
69,529
(2,398)
(31,592)
(3,451)
(4,505)
(12,310)
(54,256)
15,273
(4,098)
11,234
2,814
5,525
2,725
8,250
76,024
(2,052)
(35,790)
(3,541)
(3,811)
(12,571)
(57,765)
18,259
(3,672)
14,587
2010
MUR'000
79,107
(32,410)
46,697
3,632
8,151
3,588
11,739
62,068
(4,935)
(32,445)
(3,685)
(4,652)
(10,403)
(56,120)
5,948
(748)
5,200
MBAPROFILEOFBANKS51
Contactdetails:
HSBCBank(Mauritius)Limited
6thFloor,HSBCCentre,
18,CyberCity
Ebene,Mauritius
Phone:(230)4038333
Fax:(230)4030999
Email:global.business@hsbc.co.mu
Website:www.hsbc.co.mu
MBAPROFILEOFBANKS52
HSBC Bank (Mauritius) Limited

HSBC was one of the first banks to set up an Offshore Banking Unit in Mauritius in 1991, and has
growntobethelargestofitskindinMauritius.Itscapabilitieshavebeenenhancedwiththeopening
ofalocallyincorporatedsubsidiary,HSBCBank(Mauritius)Limited.Throughthesubsidiary,HSBCis
abletooffermanyofitsglobalcustomersmoresophisticatedfinancialproductsandstructures.
The history of the HSBC Group in Mauritius can be traced back to 1859, when the Chartered
MercantileBankofIndia,LondonandChina(theforerunneroftheMercantileBankLtd)established
a branch in PortLouis. In Mauritius, HSBC operates 2 entities as a branch of The Hongkong and
Shanghai Banking Corporation Limited and as a locally incorporated subsidiary, HSBC Bank
(Mauritius)Limited.
GroupValues:
Opentodifferentideasandcultures
Connectedwithourcustomers,communityandeachother
Dependableanddoingtherightthing
MBAPROFILEOFBANKS53

AsAt31December
ASSETS
Tradingassets
Equipment
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Depositsfrombanks
Tradingliabilities
Derivativesliabilitiesheldforriskmanagement
Otherborrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
Statedcapitalpaidup
Retainedearnings
Otherreserves
Totalequityattributabletoequityholders
Totalequityandshareholders'equity

2012
USD'000
2011
USD'000
2010
USD'000
886,460
37,643
6,504
773,575
2,716,470
44
13
25,818
1,359,788
66,967
195
713,581
2,433,729
57
17
16,320
1,303,189
26,640
536,686
1,998,283
30
72
9,270
4,446,527
4,590,654
3,874,170
198
4,023,025
12,875
71,294
1,469
16,401
230
4,242,392
40,034
1,055
38,324
942
12,734
235
3,602,164
19,081
7,392
16,962
769
4,603
4,125,262
4,335,711
3,651,206
72,957
148,138
100,170
72,957
84,655
97,331
72,957
57,056
92,951
321,265
254,943
222,964
4,446,527
4,590,654
3,874,170
MBAPROFILEOFBANKS54

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Netincome/(loss)fromotherfinancialinstrumentscarried
atfairvalue
Operatingincome
Personnelexpenses
Depreciation
Otherexpenses
Totalexpenses
Incometaxexpense
Profitfromcontinuingoperation
Profitfromdiscontinuedoperation,netoftax
Profitfortheyear

2012
USD'000
2011
USD'000
2010
USD'000
64,268
(2,006)
62,262
45,443 34,608
(1,230) (880)
44,213 33,728
12,258
(7,157)
5,101
11,599 8,312
(2,643) (1,635)
8,956 6,677
8,318
6,275 8,878
382
79
8,779
298 386
70 68
6,643 9,332
76,142
59,812 49,737
(2,886)
(141)
(24)
(3,751)
(6,802)
(2,420) (2,029)
(144) (130)
(31) (31)
(2,717) (1,953)
(5,312) (4,143)
69,340
(2,845)
66,495
4
66,499
54,500
(2,016)
52,484
4
52,488
45,594
(2,045)
43,549
44
43,593
MBAPROFILEOFBANKS55
Contactdetails:
InvestecBank(Mauritius)Limited
6thFloor,DiasPierBuilding
LeCaudanWaterfront
Caudan,PortLouis
Mauritius
Tel:+2302074000
Fax:+2302074002/3
Email:infomru@investec.co.mu
Website:www.investec.com
MBAPROFILEOFBANKS56
Investec Bank (Mauritius) Limited
Investec is an international, specialist banking group that provides a diverse range of financial
products and services to a select client base. Since inception in 1974, the Investec group has
expandedthroughacombinationofsubstantialorganicgrowthandaseriesofstrategicacquisitions.
Today, Investec has an efficient integrated international business platform with linked companies
listedinJohannesburgandLondonnamely,InvestecLimitedandInvestecplc.
Investec Bank (Mauritius) Limited (the Bank) was established as a wholly owned subsidiary of
InvestecBankLimited(inSouthAfrica)in1997.InitiallytheBankfocusedexclusivelyonstructured
financeand tradefinance transactions. Ithassince expandedits offeringto coverawide rangeof
products including treasury, foreign exchange, money markets, capital markets, property finance,
projectfinance,aircraftfinanceandprivatebanking.TheBanktakesdepositsandprovidesloansin
all major currencies including the South African Rand and the Mauritian Rupee into most
geographicalregionswheretheInvestecgrouphasafootprint.TheBankhasassetsinexcessofUSD
1billionandmaintainsextremelystrongcapitalandliquidityratiosoperatingwithintheregulatory
standardsofbothMauritiusandSouthAfrica.
The Bank provides specialised services which are complimented by dedicated personal service,
competitiveratesanddistinctiveproducts.
Missionstatement:
We strive to be a distinctive specialist bank, driven by commitment to our core philosophies and
values.
MBAPROFILEOFBANKS57

AsAt31March
2013
USD000'
ASSETS
Cashandbalanceswithcentralbank
Duefrombanks
Noncurrentassetheldforsale
Amountduefromholdingbank
Amountduefromgroupcompanies
Investmentinsubsidiaries
Equipment
Deferredtaxassets
Otherassets
Totalassets
1,371,598
LIABILITIES
Depositbybanks
Securitiessoldunderrepurchaseagreementwithbank
Amountsduetoholdingbank
Amountsduetogroupcompanies
Duetocustomers
Debtsecuritiesinissue
Otherliabilities
Totalliabilities
3,527
119,378
3,234
35,554
13,788
666,854
217,060
1,015
7,082
1,067,492
Equity
Statedcapital
Othersreserves
Retainedearnings
56,478
43,065
204,563
Totalequity
304,106
4,556
340,995
31,584
189,756
18,625
3,122
772,245
4,915
15
387
262
5,136
1,371,598
2012
USD000'
3,823
221,030
28,837
153,198
13,530
3,067
724,764
4,915
15
485
250
6,988
1,160,902
2,039
5,265
240,460
10,647
397,730
219,904
20
13,725
889,790
56,478
38,256
176,378
271,112
1,160,902
2011
USD000'
6,752
129,458
13,208
38,900
27,720
24,991
24,849
558,736
4,915
15
537
78
589
830,748
80,058
12,449
86,001
20,600
372,685
495
8,347
580,635
56,478
33,370
160,265
250,113
830,748
MBAPROFILEOFBANKS58

ForTheYearEnded31Mar
Interestincome
Interestexpense
Netinterestincome
2012
USD000'
2011
USD000'
55,797
(14,820)
40,977
43,791
(9,676)
34,115
2,758
(1,054)
1,704
(5,825)
47,182
(12,474)
34,708
15,687
19
45,700
(7,970)
(1,433)
36,297
(4,759)
(127)
(5,191)
(10,077)
26,220
(630)
25,590
16,402
(242)
3,670
(504)
3,166
Nettradingincome/(loss)
Net(loss)/gainonfinancialinstrumentsdesignatedatfair
valuethroughprofitorloss
Netotheroperatingincome/(loss)
1,327
(1,199)
44,271
Impairmentlossesonloansandadvances
Impairmentlossonnoncurrentassetheldforsale
2013
USD000'
(377)
NetOperatingincome
43,894
Personnelexpenses
(4,080)
(126)
(5,439)
(9,645)
Profitbeforetax
Incometaxexpense
Profitfortheyear
34,249
(1,255)
32,994
2,808
(883)
1,925
(7,945)
44,848
(364)
(12,615)
31,869
(4,554)
(133)
(4,519)
(9,206)
22,663
(1,476)
21,187
MBAPROFILEOFBANKS59
ContactDetails:
MauritiusPostandCooperativeBankLtd
PortLouis,Mauritius
Tel:(230)4059400
Fax:(230)2087270
Email:mpcb@mpcb.mu
Website:www.mpcb.mu
MBAPROFILEOFBANKS60
Mauritius Post and Cooperative Bank Ltd

TheMauritiusPostandCooperativeBankLtd(MPCB)wasformedasaresultofamergerbetween
theNewCooperativeBankLtdandthePostOfficeSavingsBankinAugust2003andhasnowbeen
operatingfornearly10years.
Thebanksmainshareholdersare:
TheMauritiusPostLtd44.30%,
GovernmentofMauritius35.72%,
TheSugarInvestmentTrustLtd10%,
TheDevelopmentBankofMauritiusLtd8.93%
CooperativeCreditSocieties1.05%
MPCBLtdhasanetworkof16branchesacrosstheislandwith17onsiteATMsand4offsiteATMs.As
partofthebanksagreementwithTheMauritiusPostLtd,inareaswherethereisnoMPCBbranch,
basicbankingservicesareprovidedatthePostOffices.Inadditiontoofferingarangeofproducts
and services encompassing Personal Banking, Corporate Banking, Trade Finance and Treasury
services, the bank continues to enlarge its product portfolio to include new financial products to
meetmarketneeds.
VisionStatement:
Tobe aworldclassinternationalfinancialservices providerofchoicewith strategicandinnovative
offerings.
MissionStatement:
To create value for our stakeholders reliably by delivering profitably personalized quality financial
products and service excellence through integrity, continuous innovation, teamwork and
performancedrivenculture.
MBAPROFILEOFBANKS61

AsAt31December
ASSETS
Tradingassets
Heldtomaturityinvestments
Investmentproperty
Otherassets
Totalassets
2012
MUR
2011
MUR
2010
MUR
268,162,056
335,353,320
225,137,262
683,347,452
573,434,299
341,689,996
1,235,113,778 1,310,628,550 1,204,600,202
11,410,861,906 8,824,667,237 7,461,916,262
352,538,095
229,407,846
222,077,636
84,000,000
72,000,000
1,013,712,860
837,686,974
615,897,513
14,963,736,147 12,195,178,226 10,143,318,871
LIABILITIES
Otherborrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
Sharecapital
StatutoryReserve
Retainedearnings
GeneralBankingReserve
Revaluationreserves
Totalequity
12,795,888,769 10,563,380,990
568,438,976
454,166,738
415,993,430
155,198,630
29,050,200
25,864,266
19,252,156
16,732,331
98,118,724
65,859,476
13,926,742,255 11,281,202,431
383,962,400
383,962,400
98,139,050
79,686,335
454,203,238
349,637,856
90,709,840
90,709,840
9,979,364
9,979,364
1,036,993,892
913,975,795
8,813,706,050
436,419,713
24,329,806
8,852,358
58,967,845
9,342,275,772
383,962,400
62,746,431
267,548,096
76,806,808
9,979,364
801,043,099
14,963,736,147 12,195,178,226 10,143,318,871
MBAPROFILEOFBANKS62

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Otherincome
OperatingIncome
Personnelexpenses
Depreciation
Otherexpenses
Incometaxexpense
Profitfortheyear
2012
MUR
2011
MUR
1,083,686,464
(556,839,093)
526,847,371
95,480,230
56,646,240
5,593,617
62,239,857
684,567,458
(71,856,934)
(187,571,910)
(36,594,780)
(46,364,188)
(141,632,573)
200,547,073
(77,528,976)
123,018,097
929,634,914
(477,597,084)
452,037,830
74,763,472
50,244,397
16,944,000
67,188,397
593,989,699
(66,196,514)
(164,669,586)
(33,765,445)
(39,127,884)
(126,850,619)
163,379,651
(50,446,955)
112,932,696
2010
MUR
854,488,683
(418,763,769)
435,724,914
70,391,866
50,687,104
6,258,978
56,946,082
563,062,862
(118,074,015)
(135,789,153)
(21,526,577)
(33,057,086)
(109,126,652)
145,489,379
(42,888,451)
102,600,928
MBAPROFILEOFBANKS63

ContactDetails:
P.TBankInternasionalIndonesia
5thFloor,BarklyWharf
LeCaudanWaterfront
PortLouis,Mauritius
Tel:(230)2106365
Fax:(230)2105458
Email:biimrt@intnet.mu
Website:bii.intnet.mu
MBAPROFILEOFBANKS64
P.T Bank Internasional Indonesia

TheIndonesianbankhas415branchesextendingover28provincesofIndonesia,aswellasoverseas
branchesinMauritiusandMumbai.ItsHeadOfficeislocatedinJakarta,Indonesia.
Established in 1959, P.T Bank Internasional Indonesia TBK became listed on the Jakarta Stock
Exchangein1989.Asat31March2013,itsshareholdersare;
SorakFinancialHoldingsPte.Ltd54.33%,
MaybankOffshoreCorporateServices(Labuan)Sdn.Bhd42.96%,
Public2.71%.
P.TBankInternasionalIndonesiaobtaineditsbankinglicenseandcommenceditsbankingoperations
inMauritiusin1998.Thebankoffersarangeofservicesincludingdeposits,tradefinance,corporate
banking,remittanceservicesandalsooperatesanonlineplatform.
Vision:
BetheBESTFinancialServicesProviderintheMarketWeServe.
Mission:
HumanizingFinancialServices.
MBAPROFILEOFBANKS65

AsAt31December
ASSETS
LoanandadvancesPersonal
Availableforsalefinancial
Investment
Otherassets
Equipment
Intangibleassets
Totalassets
LIABILITIES
Depositsfrombanks
Otherliabilities
Totalliabilities
Shareholders'Equity
Assignedcapital
Retainedearnings
Availableforsalereserve
Otherreserves
Totalequity
2012
USD
2011
USD
2010
USD
35,876,659
3987
1,059,147
270,914
42,118
37,252,825
1,905
12,293,938
11,625
19,404
12,326,872
14,010,000
9,335,656
59,147
1,521,150
24,925,953
37,252,825
34,543,473
3,466
1,080,534
55,035
55,197
35,737,705
935
11,550,687
15,215
9,700
11,576,537
14,010,000
8,667,415
80,534
1,403,219
24,161,168
35,737,705
37,544,682
4,458
1,118,930
95,711
22,872
38,786,653
1,000
15,503,911
13,621
16,236
15,534,768
14,010,000
7,861,877
1,380,008
23,251,885
38,786,653
MBAPROFILEOFBANKS66

Interestincome
Interestexpense
Netinterestincome
OperatingIncome
Personnelexpenses
Otherexpenses
Incometaxexpense
Profitfortheyear
2012
USD
2011
USD
1,050,728
(2,078)
1,048,650
292,081
29,519
1,370,250
(245,161)
(66,402)
(15,787)
(221,592)
(548,942)
821,308
(35,136)
786,172
770,286
(11,691)
758,595
579,231
349,994
1,687,820
(223,285)
(72,119)
(13,897)
(389,563)
(698,864)
988,956
(41,276)
947,680
2010
USD
258,308
(12,498)
245,810
944,273
760,875
1,950,958
(198,424)
(63,821)
(15,702)
(691,791)
(969,738)
981,220
(49,000)
932,220
MBAPROFILEOFBANKS67
Contactdetails:
SBI(Mauritius)Ltd
SBITower,Mindspace
45,EbeneCyberCity
Mauritius
Tel:(230)4044900
Fax:(230)4546890
Email:info@sbimauritius.com
Website:www.sbimauritius.com
MBAPROFILEOFBANKS68
SBI (Mauritius) Ltd

SBI (Mauritius) Ltd (SBIML) was formed as a result of the amalgamation, in October 2008, of the
IndianOceanInternationalBankLtd,adomesticbank,withtheSBIInternational(Mauritius)Ltd,a
global business bank, which had been operating in Mauritius since 1989. SBIML is a locally
incorporatedbankandasubsidiaryoftheStateBankofIndia,thelargestcommercialbankinIndia.
SBI(Mauritius)Ltdhasthefollowingshareholders:
StateBankofIndia93.4%
StateInvestmentCorporationLtd,Mauritius1.7%
IndianOceanGeneralAssuranceLtd1.2%
Othersmallshareholders3.7%
SBIML offers a range of advances and deposit products for both corporate and retail customers,
apartfromremittancefacilitiestoanywhereintheworldandinallthemajorforeigncurrencies.
It also provides a comprehensive range of global business banking services to corporate financial
institutionsandintermediaries.Thebankoperates15branchesinMauritiusincludingRodriguesand
19ATMsatdifferentlocations.Itemployssome234peoplelocally.
Vision:
TobethefirstchoicesolutionproviderforallbankingServices.
Tobeasymboloftrust,efficiencyandcourteousservice.
ToprotectandpromoteinterestsofallStakeholdersthroughwelltrainedand,uprightanddedicated
professionals.
Tostriveforconstantimprovementinproducts,processesanddeliverychannels.
MBAPROFILEOFBANKS69
SBI (Mauritius) Ltd

AsAt31March
ASSETS
Retirementbenefitobligation
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Otherborrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
StatedCapital
Sharepremium
Retainedearnings
Otherreserves
Totalequity
2012
USD
2013
USD
215,956,075
79,552,160
689,220,782
196,253,505
9,156,477
809,250
541,908
26,670,284
1,218,160,441
910,699,222
123,970,350
160,739
18,086,262
1,052,916,573
48,627,188
54,078,062
47,476,255
15,062,363
165,243,868
1,218,160,441
66,844,558
6,103,233
726,331,869
126,897,739
9,744,320
840,559
39,037,577
975,799,855
649,747,657
146,434,925
813,222
19,239,994
816,235,798
48,627,188
54,078,062
43,247,747
13,611,060
159,564,057
975,799,855
2011
USD
208,379,286
2,730,399
792,151,287
161,129,404
9,355,442
622,156
48,410,496
1,222,778,470
938,054,459
115,134,225
924,901
19,939,670
1,074,053,255
48,627,188
54,078,062
34,618,258
11,401,707
148,725,215
1,222,778,470
MBAPROFILEOFBANKS70
SBI (Mauritius) Ltd

ForTheYearEnded31March
Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Operatingincome
Personnelexpenses
Depreciation
Otherexpenses
Incometaxexpense
Profitfortheyear
2012
USD
2013
USD
46,482,193
(28,029,408)
18,452,785
2,856,654
1,571,263
173,772
1,745,035
23,054,474
(4,812,811)
(3,612,322)
(778,366)
(3,028,886)
(12,232,385)
10,822,089
(1,270,697)
9,551,392
53,881,104
(28,977,744)
24,903,360
2,840,653
2,025,125
910,790
2,935,915
30,679,928
(7,343,467)
(3,620,725)
(949,981)
(2,880,791)
(14,794,964)
15,884,964
(1,155,947)
14,729,017
2011
USD
47,433,519
(29,139,834)
18,293,685
7,052,791
1,934,231
758,471
2,692,702
28,039,178
(6,340,038)
(3,039,667)
(703,060)
(2,905,123)
(12,987,888)
15,051,290
(944,724)
14,106,566
MBAPROFILEOFBANKS71
Contactdetails:
StandardBank(Mauritius)Limited
Level9,TowerA
1CyberCity
Ebene
Mauritius
Tel:+2304025000
Fax:+2304025050
Email:chiefexecutive.mauritius@standardbank.mu
Website:www.standardbank.mu
MBAPROFILEOFBANKS72
Standard Bank (Mauritius) Limited

Standard Bank (Mauritius) Limited started operations in 2001 as an offshore bank and it started
operating as a commercial bank in 2006. The bank is part of the Standard Bank Group, Africas
largest bank by assets and earnings. The group has direct, ontheground representation in 18
Africancountriesmakingitoneofthelargestbankingnetworksonthecontinent.Itprovidesglobal
connectionsbackedbydeepinsightsintothecountrieswhereitoperates.
Standard Bank Mauritius offers Corporate and Investment Banking and Wealth Management
services to multinational companies, large domestic corporate, governments, parastatals,
international companies, financial institutions and high net worth individuals. The Corporate and
Investment Banking division serves a wide range of requirements for banking, finance, trading,
investment,riskmanagementandadvisoryservices.CorporateandInvestmentBankingdeliversthis
comprehensiverangeofproductsandservicesrelatingto:InvestmentBanking;GlobalMarkets;and
TransactionalProductsandServices.
StandardBankoffersPrivateBankingandWealthManagementservicestoaddressthefinancialand
wealthplanningneedsofhighnetworthclients.
Strategy:
We aim to build the leading African financial services organisation using all our competitive
advantagestothefull.
We will focus on delivering superior sustainable shareholder value by serving the needs of our
customers through firstclass, ontheground operations in chosen countries in Africa. We will also
connectotherselectedemergingmarketstoAfricaandtoeachother,applyingoursectorexpertise,
particularlyinnaturalresources,globally.
Our key differentiator is our people who are passionate about our strategy, wherever in the world
theyarebased.
MBAPROFILEOFBANKS73

AsAt31December
ASSETS
Tradingassets
Equipment
Intangibleassets
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Depositfrombanks
Tradingliabilities
Otherborrowedfunds
Otherliabilities
TotalLiabilities
Shareholders'Equity
ShareCapital
Retainedearnings
Otherreserves
Totalequityattributabletoequityholders
2012
USD
2011
USD
2010
USD
1,460,621,533
174,622,254
54,245,767
133,031,384
408,522,858
17,894,462
4,692,712
50,104
2,579,000
18,218,257
2,274,478,331
343,813,634
1,539,402,206
4,929,039
54,443,336
213,334,482
45,000,000
159,303
7,429,503
2,208,511,503
35,000,000
23,413,336
7,553,692
65,967,028
2,274,478,531
729,309,883 1,982,991,291
267,669,335
135,969,120
23,370,433
35,832,521
7,284,847
57,332,820
414,336,817
255,073,720
22,877,552
9,676,023
1,897,602
2,273,780
94,182
145,893
455,000
272,000
10,444,117
13,307,116
1,477,739,768 2,492,874,284
289,541,634
788,308,477
270,630,077
22,301,665
1,873,850
20,000,000
595,507
72,516,698
2,165,127,105
135,280,165
35,839,972
4,942,338
20,000,000
119,104
5,968,507
6,771,862
1,399,219,717 2,440,597,244
35,000,000
20,000,000
35,940,359
26,362,800
7,579,692
5,914,240
78,520,051
52,277,040
1,477,739,768 2,492,874,284
MBAPROFILEOFBANKS74

Interestincome
Interestexpense
Netinterestincome
Nettradingincome
value
OperatingIncome
Personnelexpenses
Otherexpenses
Operatingprofit
Incometaxexpense
2012
USD
2011
USD
2010
USD
8,272,162
25,029,484
(11,290,566)
13,738,918
7,259,596
(578,857)
6,680,739
9,069,327
202,516
276,918
8,751,596
(195,352)
292,484
9,166,459
256,282
295,982
8,586,692
36,014,485
29,586,116
(2,705,888)
(7,892,422)
(784,958)
(627,632)
(5,132,697)
(17,143,597)
12,442,519
12,442,519
(1,174,800)
11,267,719
21,854,151
31,936,301
(12,953,964)
18,982,337
8,852,303
(571,751)
8,280,552
(33,366,120)
(8,419,233)
(785,671)
(561,427)
(5,858,276)
(48,990,727)
(12,976,242)
(12,976,242)
449,219
(12,527,023)
21,367,081
(12,874,023)
8,493,058
5,099,696
(325,295)
4,774,401
8,034,428
(1,788,646)
(7,598,222)
(782,334)
(639,115)
(6,346,622)
(17,154,939)
4,699,212
4,699,212
(522,240)
4,176,972
MBAPROFILEOFBANKS75
ContactDetails:
StandardCharteredBank(Mauritius)Limited
6thFloor,RafflesTowers
Lot19,CyberCity
Ebene,Mauritius
Tel:(230)4036500
Fax:(230)4665161
Email:info.scbm@sc.com
Website:www.standardchartered.com/mu
MBAPROFILEOFBANKS76
Standard Chartered Bank (Mauritius) Limited

StandardCharteredBank(Mauritius)Limited(SCBM)wasestablishedinMay2002,andisawholly
ownedsubsidiaryofStandardCharteredBankintheUK.TheultimatebeneficialownerofSCBMis
StandardCharteredPLC,whichislistedontheLondonandHongKongstockexchangesaswellasthe
BombayandNationalStockExchangesinIndia.StandardCharteredhasinvestedoverUSD50million
inMauritiusinthelast4yearstoimplementitsWholesaleBankstrategytobetheGatewaytoAfrica
foritsclients.SCBMcurrentlyhasastaffstrengthof85.
Standard Chartered is a leading international banking group. It has operated for over 150years in
some of the worlds most dynamic markets and earns more than 90 per cent of its income and
profits in Asia, Africa and the Middle East. This geographic focus and commitment to developing
deeprelationshipswithclientsandcustomershasdriventheBanksgrowthinrecentyears.
With 1,700 offices in 70 markets, the Group offers exciting and challenging international career
opportunitiesfornearly87,000staff.TheBankiscommittedtobuildingasustainablebusinessover
thelongtermandistrustedworldwideforupholdinghighstandardsofcorporategovernance,social
responsibility,environmentalprotectionandemployeediversity.StandardCharteredsheritageand
valuesareexpressedinitsbrandpromise,Hereforgood.
StandardCharteredBank(Mauritius)Ltdholdsafullfledgedbankinglicence,servingcorporateand
institutional clients and offers a range of onshore and offshore services including: Multicurrency
accounts, Cash management services, International payments and transfers, Trade services,
Securitiesservices,Clientaccess,Treasuryproducts,Creditfacilities.
MissionStatement:
Theworldsbestinternationalbank,leadingthewayinAsia,AfricaandtheMiddleEast.
MBAPROFILEOFBANKS77

AsAt31December
ASSETS
Tradingassets
Derivativefinancialassets
Intangibleasset
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Derivativefinancialliabilities
Otherborrowedfunds
Incometaxliability
Otherliabilities
Totalliabilities
Shareholders'Equity
Sharecapital
Retainedearnings
Otherreserves
Totalequityattributabletoequityholdersoftheparent
2012
USD'000
2011
USD'000
2010
USD'000
205,601
640,706
185,828
1,075,143
42,392
765,701
121,320
1,084
38,711
350,114
478,505
819,331
377,606
1,218,940
196,183
777,880
121,320
1,204
41,381
3,127
62,838
225,524
404,935
91,440
1,055,723
3,426,600
4,098,315
3,439,660
624,867
184,936
1,829,364
72,000
2,482
1,028
345,795
3,060,472
939,517
348,924
2,316,697
87,000
6,483
41,806
863,683
97,405
2,092,630
57,000
6,018
42,704
3,740,427
3,159,440
232,652
97,454
36,022
232,652
109,682
15,554
207,652
63,276
9,292
366,128
357,888
280,220
3,426,600
4,098,315
3,439,660
1,482,278
96,320
1,117
36,821
3,921
41,581
MBAPROFILEOFBANKS78

Interestincome
Interestexpense
Netinterestincome
Netfeeandcommission(expense)/income
Net(loss)/incomefromotherfinancialinstrumentscarried
atfairvalue
Otheroperating(loss)/income
Operatingincome
Personnelexpenses
Otherexpenses
Operatingexpenses
Incometaxexpense
Profitfortheyear
2012
USD'000
2011
USD'000
2010
USD'000
191,394
(138,371)
53,023
173,271
(111,923)
61,348
191,001
(104,666)
86,335
10,834
(4,178)
6,656
11,033
(8,460)
2,573
4,198
(6,242)
(2,044)
(8,696)
20
(8,676)
5,743
9,450
15,193
(37,248)
(3,018)
(40,266)
51,003
79,114
44,025
3,532
(6,229)
(530)
(3,027)
(11,852)
(18,106)
(5,593)
(4,354)
(394)
(3,021)
(8,822)
(22,184)
(2,064)
(2,402)
(274)
(527)
(6,250)
(11,517)
32,897
(1,401)
31,496
56,930
(2,335)
54,595
32,508
(1,459)
31,049
MBAPROFILEOFBANKS79
Contactdetails:
StateBankofMauritiusLtd
ChiefExecutivesOffice
Level14,StateBankTower
1QueenElizabethIIAvenue,
PortLouis,Mauritius
Tel:(230)2021111
Fax:(230)2021234
Swift:STCBMUMU
Email:sbm@sbmgroup.mu
Website:www.sbmgroup.mu
MBAPROFILEOFBANKS80
State Bank of Mauritius Ltd

Establishedin1973,StateBankofMauritiusLtd(SBM)isnowaleadingfinancialservicesinstitution
inMauritiusandhasastrongfranchisewithamarketshareofover20%indomesticadvancesand
deposits.SBMalsooperates3branchesinIndiaand2branchesinMadagascar.SBMisthesecond
largestlistingontheofficialmarketoftheStockExchangeofMauritius,withamarketcapitalisation
ofmorethanUSD1billionasatMay2013.Itisheldbysome16,500shareholders.
SBMcatersforawiderangeofcustomersegmentsincludingPersonal,SME,Corporate,CrossBorder
andFinancialInstitutions andoffersa suiteofproductsandservicesthat coversdeposits, lending,
trade finance, cards, leasing, treasury, insurance and investment products, as well as a range of
paymentservices.SBMservicesover430,000customersthroughmultichannelcapabilitiesincluding
branches,ATMs,POS,internet,mobileandcallcentre.
Vision:
Tobetheleadingproviderofpremierintegratedfinancialservicesintheregionthroughadedicated
andcompetentprofessionalteam.
Mission:
Value creation for all stakeholders by achieving consistent improvement in returns and continued
enhancementinservicelevels.
MBAPROFILEOFBANKS81

AsAt30June
ASSETS
TradingAssets
Loanstoandplacementswithbanks
Propertyandequipment
IntangibleAssets
MandatorybalanceswithCentralBanks
Otherassets
2012
MUR'000
Group
2011
MUR'000
2010
MUR'000
Totalassets
LIABILITIES
Depositsfrombanks
Depositsfromnonbankcustomers
Tradingliabilities
Otherborrowedfunds
Otherliabilities
Totalliabilities
Shareholders'Equity
ShareCapital
Retainedearnings
OtherReserves
6,993,395
6,744,422 5,501,822
1,511,936
146,113 148,224
254,168
943,359
62,273,473 56,741,302 43,731,741

19,430,791 23,570,849 24,160,809
2,672,885 2,786,920
2,853,003
86865
54,148
77,373
4,966,156
4,180,104
2,892,794
552,146
560,589
473,553
98,741,815
95,727,806
79,839,319
115,946
218,252
195,628
76,158,615
70,888,333
61,502,326
164,353
141,077
84,964
18,371
2,924,795
7,124,674
2,083,289
287,931
176,292
245,335
88,291
177,349
178,705
1,059,373
1,031,326
893,076
80,817,675
79,757,303
65,183,323
303,740 303,740 303,740

14,708,408 12,839,632 11,514,037
2,911,992
2,827,131
2,838,219
17,924,140
15,970,503
14,655,996
98,741,815
95,727,806
79,839,319
MBAPROFILEOFBANKS82

INCOMESTATEMENT
Interestincome
Interestexpense
Netinterestincome
NetFeeandCommissionIncome
Dividendincome
Nettradingincome
Noninterestincome
Operatingincome
Personnelexpenses
Otherexpenses
Noninterestexpense
Profitbeforenetimpairmentlossonfinancialassets
Operatingprofit
Shareofprofitofassociates
Taxexpense
Profitfortheyear
2012
MUR'000
5,897,800
(2,699,107)
3,198,693
1,187,424
(32,525)
1,154,899
230,714
449,810
34,094
1,869,517
5,068,210
(992,133)
(176,527)
(497,085)
(1,665,745)
3,402,465
(253,560)
3,148,905
81,515
3,230,420
(612,923)
2,617,497
Group
2011
MUR'000
2010
MUR'000
4,901,190
4,867,484
(2,402,661)
(2,374,327)
2,498,529 2,493,157
919,750
660,473
(39,402)
(12,472)
880,348
648,001
219,821
205,582
(4,946)
3,210
610,758
487,477
1,705,981
1,344,270
4,204,510
3,837,427
(909,364)
(784,133)
(183,711)
(166,345)
(404,545)
(422,898)
(1,497,620)
(1,373,376)
2,706,890
2,464,051
(319,255)
(318,425)
2,387,635
2,145,626
87,027
66,622
2,474,662
2,212,248
(461,567) (353,408)
2,013,095 1,858,840
MBAPROFILEOFBANKS83

AsAt30June
ASSETS
Tradingassets
Loansandplacementswithbanks
Propertyandequipment
Intangibleassets
Otherassets
Totalassets
LIABILITIES
Depositsfrombanks
Depositsfromnonbankcustomers
Tradingliabilities
Otherborrowedfunds
Otherliabilities
TotalLiabilities
Shareholders'Equity
ShareCapital
Retainedearnings
OtherReserves
2012
MUR'000
6,964,275
254,168
1,511,936
62,017,430
15,042,044
2,664,445
85,437
4,671,915
511,626
93,723,276
214,657
75,533,152
164,353
18,371
2,924,795
287,558
88,254
960,460
80,191,600
303,740
13,453,336
(225,400)
13,531,676
93,723,276
Bank
2011
MUR'000
6,502,047
146,113
943,359
56,052,338
22,138,108
2,779,732
55,846
3,866,714
501,113
92,985,370
262,531
70,396,081
141,077
7,124,674
171,701
177,246
941,453
79,214,763
303,740
10,187,914
3,278,953
13,770,607
92,985,370
2010
MUR'000
5,195,931
148,224
43,094,855
22,552,091
2,846,929
82,189
2,586,145
397,920
76,904,284
253,073
60,914,910
84,964
2,083,289
245,559
178,578
823,549
64,583,922
303,740
9,041,522
2,975,100
12,320,362
76,904,284
MBAPROFILEOFBANKS84

Interestincome
Interestexpense
Netinterestincome
Dividendincome
Nettradingincome
Noninterestincome
Operatingincome
Personnelexpenses
Otherexpenses
Noninterestexpense
Profitbeforenetimpairmentlossonfinancialassets
Operatingprofit
Taxexpense
Profitfortheyear
2012
MUR'000
5,687,956
(2,593,942)
3,094,014
1,121,496
(30,805)
1,090,691
1,699,771
447,288
11,806
3,249,556
6,343,570
(964,045)
(177,737)
(451,425)
(1,593,207)
4,750,363
(173,897)
4,576,466
4,576,466
(562,323)
4,014,143
Bank
2011
MUR'000
4,727,620
(2,317,247)
2,410,373
859,310
(37,469)
821,841
221,101
(4,946)
447,488
1,485,484
3,895,857
(884,730)
(183,587)
(362,820)
(1,431,137)
2,464,720
(220,390)
2,244,330
2,244,330
(417,414)
1,826,916
2010
MUR'000
4,707,368
(2,299,239)
2,408,129
611,234
(12,001)
599,233
204,985
3,210
446,360
1,253,788
3,661,917
(761,405)
(166,466)
(381,925)
(1,309,796)
2,352,132
(248,928)
2,103,204
2,103,204
(346,692)
1,756,512
MBAPROFILEOFBANKS85
Contactdetails:
TheHongkongandShanghaiBankingCorporationLimited
HeadOffice
HSBCCentre
18,CyberCity
Ebene,Mauritius
Tel:(230)4038333
Fax:(230)4038300
Email:hsbcmauritius@hsbc.co.mu
Website:www.hsbc.co.mu
MBAPROFILEOFBANKS86
The Hongkong and Shanghai Banking Corporation Limited

The Hongkong and Shanghai Banking Corporation Limited is the founding member of the HSBC
Group,whichservesaround60millioncustomersthroughfourglobalbusinesses:RetailBankingand
WealthManagement,CommercialBanking,GlobalBankingandMarkets,andGlobalPrivateBanking.
The HSBC Group's network covers 6,900 offices in 84 countries and territories in six geographical
regions:Europe,HongKong,RestofAsiaPacific,MiddleEastandNorthAfrica,NorthAmericaand
Latin America. With assets of US$2,721 billion at 30 September 2012, HSBC is one of the worlds
largestbankingandfinancialservicesorganisations.
InMauritius,throughits11fullservicedomesticbranches,HSBCoffersawiderangeofproductsand
services to local customers including retail accounts, credit cards, personal and home loans and
custodyservices.
GroupValues:
Opentodifferentideasandcultures
Connectedwithourcustomers,communityandeachother
Dependableanddoingtherightthing
MBAPROFILEOFBANKS87
The HongKong and Shanghai Banking Corporation Limited

AsAt31December
ASSETS
Tradingassets
Intangibleasset
Deferredtaxassets
Otherassets
Assetsheldforsale
Totalassets
LIABILITIES
Depositsfrombanks
Tradingliabilities
Otherborrowedfunds
Otherliabilities
Liabilitiesheldforsale
Totalliabilities
Shareholders'funds
Assignedcapital
Retainedearnings
Otherreserves
Totalshareholders'funds
Totalliabilitiesandshareholders'funds

2012
MUR'000
3,081,589
551,756
245,440
9,582,666
7,849,488
224,934
3,030
19,572
1,746,482
3,681,847
26,986,804
2011
MUR'000
2010
MUR'000
2,026,003
561,450
90,652
950,400
14,469,184
8,889,795
291,701
9,876
13,970
1,685,811
4,622,830
84,048
3,428
802,508
15,174,161
8,455,900
296,556
14,617
1,407,938
28,988,842
30,861,986
1,875,783
83,647
684,946
13,601,794
24,716,181
62,495
22,030,206
181,591
3,946,659
57,955
887,167
1,080,797
22,666,715
34,316
4,314,961
74,803
13,636
728,316
27,166,073
28,913,544
239,265
1,392,180
639,178
239,265
1,101,876
481,628
239,265
1,174,733
534,444
2,270,623
1,822,769
1,948,442
26,986,804
28,988,842
30,861,986
367,873
8,034,205
67,933
MBAPROFILEOFBANKS88
The HongKong and Shanghai Banking Corporation Limited

INCOMESTATEMENT
Interestincome
Interestexpense
Netinterestincome
Nettradingincome
Netincome/(loss)fromotherfinancialinstrumentscarried
atfairvalue
Operatingincome
Netimpairmentgain/(loss)onfinancialassets
Personnelexpenses
Depreciationandamortization
Otherexpenses
Totalexpenses
Incometaxexpense
Profitfromcontinuingoperation
Lossfromdiscontinuedoperation,netoftax
Profitfortheyear

2012
MUR'000
2011
MUR'000
2010
MUR'000
818,613
(66,416)
752,197
912,831 1,028,970
(103,654)
(114,117)
809,177 914,853
120,056
(3,138)
116,918
131,455 132,163
(2,035) (574)
129,420 131,589
206,787
209,701 223,523
2,027
72,760
281,574
414 7,026
38,695 43,769
248,810 274,318
1,150,689
1,187,407 1,320,760
15,426
808 38,095
(220,179)
(33,042)
(20,149)
(285,306)
(558,676)
(222,995)
(193,549)
(28,966) (26,206)
(22,008) (12,980)
(284,935)
(334,855)
(558,904)
(567,590)
607,439
(95,540)
511,899
(162,408)
349,491
629,311
(61,007)
568,304
(261,029)
307,275
791,265
(99,733)
691,532
(292,258)
399,274
MBAPROFILEOFBANKS89
ContactDetails:
TheMauritiusCommercialBankLtd
HeadOffice
PortLouis,Mauritius
Tel:(230)2025000
Fax:(230)2087054
Email:contact@mcb.co.mu
Website:www.mcb.mu
MBAPROFILEOFBANKS90
The Mauritius Commercial Bank Ltd

Establishedin1838,TheMauritiusCommercialBankLtd(MCB)istheoldestMauritianbankandis
listed on the Stock Exchange of Mauritius since 1989. In line with its vision of being the obvious
choiceforfinancialservicesintheregionandbeyond,theMCBhasovertimeextendeditsbusiness
to various countries. The MCB is now established in Maldives, Seychelles, Madagascar and
Mozambiquethroughdedicatedsubsidiaries.Besides,thebankispresentinFrance,ReunionIsland
andMayottethroughitsassociatecompany,BanqueFranaiseCommercialeOcanIndienwhichisa
jointventurewithSocitGnrale,aswellasinFranceandJohannesburgthroughrepresentative
offices. The Group has also diversified and entrenched its participation into nonbank financial
serviceslikefactoringandleasing,aswellasacomprehensiverangeofinvestorservices.
Withover18,000shareholders,includinglocalandforeigninvestors,itsmarketcapitalizationasat
30 April 2013 stood at approximately Rs 48 bn, making it the largest on the Stock Exchange of
Mauritius.
MCBhasover750,000individualandinstitutionalcustomersandastaffcountofmorethan2,400.
TheBanksMauritianbusinessisanchoredonanextensivenetworkof40branches,162onsiteand
offsiteATMs,andabove4,700pointofsaleterminals,alongsideprovidingInternetBankingservices
andadedicatedcustomerContactCentre.
OurVision:
Everyday,wewillhelpmakesomethinghappen.
OurMission:
Wewillkeepfindingwaystomeettheneedsofourcustomers.
Wewilllistentothemandhelpthemachievetheirgoals.
Wewillhelppeoplewithideastobeentrepreneurs.
Wewillbeworthyofourshareholdersconfidence.
Wewilldowhatwecantomaketheworldabetter,greenerplace.
Andwewillnevergoaway.
MBAPROFILEOFBANKS91
The Mauritius Commercial Bank Limited

AsAt30June
ASSETS
Goodwillandotherintangibleassets
Deferredtaxassets
Otherassets
Totalassets
LIABILITIES
Depositsfrombanks
Otherborrowedfunds
Otherliabilities
TotalLiabilities
Shareholders'Equity
ShareCapitalandsharepremium
Retainedearnings
Othercomponentsofequity
LessTreasuryShares
Equityattributabletotheordinaryequityholdersofthe
parent
Noncontrollinginterests
Totalequity
2013
MUR'000
Group
2012
MUR'000
2011
MUR'000
(360,057)
11,071,228
32,057
2,457,646
135,183,050
16,873,501
6,713,495
976,858
6,316,085
14,877
9,089,260
2,682,362
191,410,419
1,319,030
149,558,227
274,868
7,434,431
240,364
97,868
4,796,441
163,721,229
2,593,395
19,565,121
4,342,410
26,500,926
(364,765)
29,432,261
1,622,065
31,054,326
26,136,161
1,553,029
27,689,190
23,728,973
1,571,537
25,300,510
216,563,388
191,410,419
172,689,479
15,394,108
120,955
3,789,813
148,034,666
22,446,957
6,377,761
977,813
6,312,841
15,534
9,882,327
3,210,613
216,563,388
1,737,230
164,376,019
167,297
13,392,661
249,552
91,803
5,494,500
185,509,062
2,615,838
22,412,225
4,764,255
29,792,318
9,211,566
55,357
2,538,727
119,901,032
17,555,272
6,740,979
1,079,472
5,918,072
18,944
7,475,414
2,194,644
172,689,479
1,711,987
134,497,780
41,619
5,153,730
1,278,856
323,105
46,212
4,335,680
147,388,969
2,581,709
16,898,668
4,615,779
24,096,156
(367,183)
MBAPROFILEOFBANKS92

INCOMESTATEMENT
Interestincome
Interestexpense
Netinterestincome
Otherincome
Profitarisingfromdealingsinforeigncurrencies
Netgain/(loss)fromfinancialinstrumentscarriedatfair
value
Dividendincome
Netgainonsaleofsecurities
Incomefromoutofcourt settlement
Operatingincome
Noninterestexpense
Salariesandhumanresourcedevelopment
Employeebenefits
Depreciation
Other
Impairmentofintangibleassets
Operatingprofit
Shareofprofitofassociates
Profitbeforetax
Incometaxexpense
Profitfortheyear
2013
MUR'000
Group
2012
MUR'000
2011
MUR'000
11,686,394
(4,639,343)
7,047,051
3,193,627
(564,158)
2,629,469
925,159
206,333
37,128
23,915
154,391
1,346,926
11,023,446
(2,354,046)
(275,327)
(555,810)
(241,866)
(1,569,382)
(4,996,431)
6,027,015
(1,081,027)
4,945,988
257,262
5,203,250
(853,582)
4,349,668
11,140,000
(4,755,245)
6,384,755
2,684,133
(456,891)
2,227,242
1,429,863
(251,765)
58,999
33,030
126,087
1,396,214
10,008,211
(2,149,847)
(200,463)
(535,666)
(216,043)
(1,513,482)
(4,615,501)
5,392,710
(518,809)
(1,206)
4,872,695
162,391
5,035,086
(888,111)
4,146,975
9,924,655
(4,038,370)
5,886,285
2,225,100
(343,537)
1,881,563
1,038,326
59,086
86,828
102,204
138,901
1,425,345
250,000
9,443,193
(1,952,134)
(201,443)
(412,063)
(209,993)
(1,246,038)
(4,021,671)
5,421,522
(315,089)
(24,428)
5,082,005
288,020
5,370,025
(853,365)
4,516,660
MBAPROFILEOFBANKS93

AsAt30June
ASSETS
Investmentsinsubsidiaries
Goodwillandotherintangibleassets
Otherassets
Totalassets
LIABILITIESANDSHAREHOLDERS'EQUITY
Depositsfrombanks
Otherborrowedfunds
Otherliabilities
TotalLiabilities
Shareholders'Equity
ShareCapitalandsharepremium
Retainedearnings
Othercomponentsofequity
LessTreasuryShares
Totalequity
2013
MUR'000
14,614,633
120,955
3,659,727
138,981,434
17,274,855
876,156
3,679,902
691,896
5,442,042
8,039,278
193,380,878
3,408,512
150,918,634
167,297
13,103,722
241,946
49,654
4,814,880
172,704,645
2,615,838
17,511,459
3,852,089
23,979,386
(360,057)
23,619,329
196,323,974
Bank
2012
MUR'000
9,762,837
32,057
2,287,026
127,396,940
12,385,486
1,644,074
3,537,307
818,676
5,543,947
7,588,498
2,599,599
173,596,447
2,776,618
138,032,675
274,868
7,008,400
202,738
63,836
4,138,499
152,497,634
2,593,395
15,221,962
3,648,221
21,463,578
(364,765)
21,098,813
173,596,447
2011
MUR'000
8,257,202
55,357
2,268,761
112,345,481
13,617,560
879,012
3,447,710
919,264
5,147,598
6,262,909
2,096,442
155,297,296
2,829,395
124,849,823
41,619
4,499,307
1,278,856
297,809
13,095
3,660,851
137,470,755
2,581,709
12,164,060
3,447,955
18,193,724
(367,183)
17,826,541
155,297,296
MBAPROFILEOFBANKS94

Interestincome
Interestexpense
Netinterestincome
Otherincome
Profitarisingfromdealingsinforeigncurrencies
Netgain/(loss)fromfinancialinstrumentscarriedatfair
value
Dividendincome
Netgainonsaleofsecurities
Incomefromoutofcourtsettlement
Operatingincome
Noninterestexpense
Salariesandhumanresourcedevelopment
Employeebenefits
Depreciation
Other
Impairmentofintangibleassets
Operatingprofit
Profitbeforetax
Incometaxexpense
Profitfortheyear
2013
MUR'000
10,544,759
(4,211,344)
6,333,415
2,601,828
(411,373)
2,190,455
775,743
206,333
91,482
19,916
54,327
1,147,801
9,671,671
(2,030,463)
(275,327)
(406,897)
(201,030)
(1,245,027)
(4,158,744)
5,512,927
(1,055,277)
4,457,650
4,457,650
(695,502)
3,762,148
Bank
2012
MUR'000
10,067,396
(4,321,466)
5,745,930
2,204,326
(342,108)
1,862,218
1,231,954
(251,783)
917,105
8,847
1,906,123
9,514,271
(1,878,725)
(200,463)
(399,238)
(196,879)
(1,199,375)
(3,874,680)
5,639,591
(509,241)
(1,206)
5,129,144
5,129,144
(669,495)
4,459,649
2011
MUR'000
8,995,292
(3,643,407)
5,351,885
1,852,414
(263,212)
1,589,202
891,404
59,115
157,823
5,648
61,389
1,175,379
250,000
8,366,466
(1,705,403)
(201,443)
(285,172)
(189,444)
(1,024,174)
(3,405,636)
4,960,830
(305,405)
(24,428)
4,630,997
4,630,997
(726,653)
3,904,344
MBAPROFILEOFBANKS95
A Note of Caution
Memberbankshavedifferentsizes,havedifferentcapitalstructures,offerdifferentmixofproducts
and services and have different areas of specialization. It should be stressed that interpreting and
using data in this report requires caution and that operating characteristics of the various banks
shouldbeconsidered.
Disclaimer
While all due care has been taken in the preparation of this document, the MBA does not accept
responsibilityforanylosssufferedbyanyperson/entityrelyingontheinformationcontainedinthis
publication or arising from any shortcoming, defect or inaccuracy through inadvertence or
otherwise.
The contents of this booklet are made available for information purposes only and on the
understandingthattheMBAisnotprovidingprofessionaladvice.
MBAPROFILEOFBANKS96
Level15,NewtonTower
SirWilliamNewtonStreet
PortLouis,Mauritius
Tel:(230)21323902132391
Fax:(230)2130968
Email:mba@mba.mu
Website:www.mba.mu
MBAPROFILEOFBANKS97

MBA Profile of Banks 2013 Edition Updated

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Table

ABC Banking Corporation Ltd

ABC Banking Corporation Ltd

ABC Banking Corporation Ltd

ABC Banking Corporation Ltd

ABC Banking Corporation Ltd

AfrAsia Bank Limited

AfrAsia Bank Limited

AfrAsia Bank Limited

AfrAsia Bank Limited

31,459,699,648 22,211,835,011 16,762,149,432

AfrAsia Bank Limited

Bank One Limited

Bank One Limited

Bank One Limited

Banque des Mascareignes Lte

Banque des Mascareignes Lte

Banque des Mascareignes Lte

Banque des Mascareignes Lte

Banque des Mascareignes Lte

BanyanTree Bank Limited

Barclays Bank Mauritius Limited

Barclays Bank PLC

Barclays Bank PLC

Bramer Banking Corporation Ltd

Bramer Banking Corporation Ltd

Bramer Banking Corporation Ltd

Century Banking Corporation Ltd

Century Banking Corporation Ltd

29,985,718 160,189,093 197,241,771

11,267,203 13,394,520 864,876

5,523,569 1,661,197 7,923,947

270,441,046 235,878,310 206,030,594

43,347,580 18,291,135 12,344,449

260,120,000 260,120,000 200,120,000

(83,026,534) (42,532,825) (6,433,855)

Century Banking Corporation Ltd

Deutsche Bank (Mauritius) Limited

Deutsche Bank (Mauritius) Limited

Deutsche Bank (Mauritius) Limited

Habib Bank Limited

Habib Bank Limited

Habib Bank Limited

HSBC Bank (Mauritius) Limited

HSBC Bank (Mauritius) Limited

HSBC Bank (Mauritius) Limited

Investec Bank (Mauritius) Limited

Investec Bank (Mauritius) Limited

Investec Bank (Mauritius) Limited

Mauritius Post and Cooperative Bank Ltd

Mauritius Post and Cooperative Bank Ltd

14,963,736,147 12,195,178,226 10,143,318,871

14,963,736,147 12,195,178,226 10,143,318,871

Mauritius Post and Cooperative Bank Ltd

P.T Bank Internasional Indonesia

P.T Bank Internasional Indonesia

P.T Bank Internasional Indonesia

SBI (Mauritius) Ltd

SBI (Mauritius) Ltd

SBI (Mauritius) Ltd

Standard Bank (Mauritius) Limited

Standard Bank (Mauritius) Limited

Standard Bank (Mauritius) Limited

Standard Chartered Bank (Mauritius) Limited