2007

2006  (restated)

  Percentage change

Revenues:

Interest income (note 30)

$   82,950,497

     70,176,819

             18

Less: interest expenses (note 30)

     65,843,747

     57,916,049

             14

Net interest income

     17,106,750

     12,260,770

             40

Non-interest income, net

Fee and commission income, net (note 30)

       3,655,799

       3,162,031

             16

Gain on financial assets and liabilities measured at fair value through profit or loss (note 7)

       9,662,658

       7,645,272

             26

Realized gain or loss on available-for-sale financial assets (note 11)

       3,708,502

       6,727,144

           (45)

Realized gain or loss on held to maturity financial assets

          (18,024)

             3,936

         (558)

Gain or loss on investments under equity method (note 13)

       2,479,225

       4,289,777

           (42)

Foreign exchange gain or loss, net

          879,111

         683,156

            29

Loss on asset impairment (notes 3, 14, 15, 16 and 17)

         (99,430)

          (7,971)

       (1,147)

Other non-interest income (loss) (note 30)

Gross written premium

     45,759,703

     32,764,416

            40

Service fee

     17,384,204

     20,230,512

           (14)

Policyholders’ reserve premium

     10,581,224

       8,418,053

            26

Government auxiliary income

     18,144,279

     20,990,220

           (14)

Other miscellaneous revenue

       4,821,909

       3,337,969

            44

Benefits and claims