Half Yearly Report -10-

 Other                              1 803 989        2          974 219      2 
----------------------------  ---------------  -------  ---------------  ----- 
                               --------------   ------   --------------   ---- 
----------------------------  ---------------  -------  ---------------  ----- 
                                   73 131 880      100       57 913 589    100 
----------------------------  ---------------  -------  ---------------  ----- 
                                    =========      ===        =========    === 
----------------------------  ---------------  -------  ---------------  -----

The material concentration of loans and advances are in the industrial sector at 33% (2010 - 50%).

15.3 Allowance for impairment losses on loans and advances

 
                                           30 
                                         June                                31 December 
                                         2011                                       2010 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
                     Specific       Portfolio         Total      Specific      Portfolio           Total 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
                          US$             US$           US$           US$            US$             US$ 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
 At 1 
  January           1 057 977               -     1 057 977       106 105              -         106 105 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
 Charge 
  against 
  profits           1 346 063               -     1 346 063       971 803              -         971 803 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
 Charge 
 against 
 Regulatory 
 reserve                    -               -             -             -              -               - 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
 Bad debts 
  written 
  Off                   (389)               -         (389)      (19 931)              -        (19 931) 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
               --------------   -------------   -----------   -----------   ------------   ------------- 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
                                                                    1 057 
 Balance            2 403 651               -     2 403 651           977              -       1 057 977 
------------  ---------------  --------------  ------------  ------------  -------------  -------------- 
                    =========        ========       =======       =======        =======        ======== 
------------  ---------------  --------------  ------------  ------------  -------------  --------------

15.4 Non-performing loans and advances

 
                                                  30 June     31 December 
                                                     2011            2010 
-----------------------------------------  --------------  -------------- 
                                                      US$             US$ 
-----------------------------------------  --------------  -------------- 
 Total non-performing loans and advances        6 235 915       4 017 400 
-----------------------------------------  --------------  -------------- 
 Provision for impairment loss on 
  loans and advances                          (2 403 651)     (1 057 977) 
-----------------------------------------  --------------  -------------- 
 Suspended interest                             (906 281)       (627 975) 
-----------------------------------------  --------------  -------------- 
                                            -------------   ------------- 
-----------------------------------------  --------------  -------------- 
 Residue                                        2 925 983       2 331 448 
-----------------------------------------  --------------  -------------- 
                                                 ========        ======== 
-----------------------------------------  --------------  --------------

The residue on these accounts represents recoverable portions covered by realisable security.

16. PROPERTY AND EQUIPMENT

 
                           Land                           Furniture 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                            and          Computer            Furand              Motor 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                      buildings         equipment          fittings           vehicles           Total 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                            US$               US$               US$                US$             US$ 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 
 COST 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Deemed cost 
  at 1 January                                                                                   4 346 
  2010                2 711 709           503 325           982 502            148 515             051 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Additions                2 102           214 274           407 003            108 804         732 183 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Impairment 
  loss                (298 811)                 -                 -                  -       (298 811) 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Disposals                    -                 -                 -           (37 200)        (37 200) 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                  -------------       -----------     -------------        -----------   ------------- 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Balances at 
  31 December                                                                                    4 742 
  2010                2 415 000           717 599         1 389 505            220 119             223 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                                                                                                 1 421 
 Additions                1 449           322 313           507 235            590 250             247 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Net transfers 
  in from 
  Investment 
  property               65 000                 -                 -                  -          65 000 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Revaluation 
  gain           200 000                        -                 -                  -         200 000 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Disposals                    -                 -                 -                  -               - 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                  -------------     -------------     -------------       ------------     ----------- 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Balance at 30                                                                                   6 428 
  June 2011           2 681 449         1 039 912         1 896 740            810 369             470 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                  -------------     -------------     -------------       ------------     ----------- 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 ACCUMULATED 
  DEPRECIATION 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Balance at 1 
  January 
  2010                       11           204 192           509 556             49 905         763 664 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Charge for 
  the year                   58           113 114           140 375             43 985         297 532 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Disposals                    -                 -                 -           (16 866)        (16 866) 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
                 --------------    --------------   ---------------      -------------    ------------ 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Balance at 31 
  December                                                                                       1 044 
  2010                       69           317 306           649 931             77 024             330 
--------------  ---------------  ----------------  ----------------  -----------------  -------------- 
 Charge for

Nmbz Holdings Ld (LSE:NMB)
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