Financial Highlights

Operating Results for the Year

2024

Rs.000

2023

Rs.000

2022

Rs.000

2021

Rs.000

2020

Rs.000

2019

Rs.000

2018

Rs.000

2017

Rs.000

2016

Rs.000

2015

Rs.000
Gross Income39,552,22347,586,93536,202,75024,492,76924,354,24727,507,82126,070,61122,016,07915,744,33712,510,119
Operating profit before tax6,188,5763,508,2671,998,1161,926,7822,060,8592,960,2583,606,3303,306,9952,130,5681,484,064
Taxation4,913,1272,644,749648,7211,620,4791,656,8232,461,6632,532,7442,023,0651,489,280954,913
Profit after tax1,275,449863,5181,349,395306,303404,036498,5951,073,5861,283,930641,288529,152
Profit distributed to shareholders522,4221,339,5941,458,769279,005148,995418,126993,5591,113,803518,605576,338

Assets & liabilities

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Customer Deposits253,664,002226,079,615210,301,323187,752,465172,882,632149,599,829141,559,974139,827,365107,031,72187,753,700
Loans & Advances (Gross)244,788,394213,962,635215,372,502189,039,666167,099,050144,693,551137,769,683130,324,846108,102,76089,469,402
Total Assets323,831,355299,717,438285,395,150245,889,512221,109,151199,978,929176,937,319169,259,202130,913,894106,780,543
Total Liabilities305,443,211281,851,716269,169,023230,496,189205,994,834185,013,608162,227,205159,646,453124,915,039101,163,108
Shareholder's Fund18,388,14417,865,72216,226,12715,393,32215,114,31714,965,32214,710,1159,612,7495,998,9465,617,434

Profitability

Non Performing Loan RatioN/AN/A8.46%8.71%10.11%9.63%5.40%3.27%2.85%4.00%
Return on assets ( Operating Profits) %1.03%0.40%0.47%0.78%1.09%1.57%2.08%2.20%1.79%1.49%
Return on equity %7.04%5.07%8.54%1.99%2.72%3.36%10.70%16.45%11.04%9.80%

Regulatory Ratios %

Capital Adequacy Ratio
As per Basel II - Tier I ( minimum ratio of 5%) %N/AN/AN/AN/AN/AN/AN/A6.50%7.56%
As per Basel II - Tier II ( minimum ratio of 10%) %N/AN/AN/AN/AN/AN/AN/A9.27%10.53%
As per Basel III - Common equity Tier I capital ratio %9.51%10.09%8.29%8.72%10.34%10.90%11.58%8.73%N/AN/A
As per Basel III - Total Tier I capital ratio %9.51%10.09%8.29%8.72%10.34%10.90%11.58%8.73%N/AN/A
As per Basel III - Total Capital ratio %15.52%17.28%15.22%14.27%14.94%16.27%13.61%12.57%N/AN/A
Statutory liquid assets ratio %34.86%38.73%27.83%26.18%29.30%32.38%24.27%26.27%21.25%21.77%