Financial Highlights

Operating Results for the Year

2022

Rs.000

2021

Rs.000

2020

Rs.000

2019

Rs.000

2018

Rs.000

2017

Rs.000

2016

Rs.000

2015

Rs.000

2014

Rs.000

2013

Rs.000

2012

Rs.000

2011

Rs.000
Gross Income36,202,75024,492,76924,354,247 27,507,821 26,070,61122,016,07915,744,33712,510,11911,186,35610,994,6359,514,8037,616,082
Operating profit before tax1,998,1161,926,7822,060,859 2,960,258 3,606,3303,306,9952,130,5681,484,0641,400,341686,7901,492,4261,976,323
Taxation648,7211,620,4791,656,823 2,461,663 2,532,7442,023,0651,489,280954,9131,058,054495,086946,936860,599
Profit after tax1,349,395306,303404,036 498,595 1,073,5861,283,930641,288529,152342,287191,704545,4911,115,724
Profit distributed to shareholders1,458,769279,005148,995 418,126 993,5591,113,803518,605576,338350,010191,207545,4911,115,724

Assets & liabilities

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Customer Deposits210,301,323187,752,465172,882,632 149,599,829 141,559,974139,827,365107,031,72187,753,70072,525,36562,606,49154,669,87046,108,862
Loans & Advances (Gross)215,372,502189,039,666167,099,050 144,693,551 137,769,683130,324,846108,102,76089,469,40262,005,43960,093,46653,667,17147,199,757
Total Assets285,395,150245,889,512221,109,151 199,978,929 176,937,319169,259,202130,913,894106,780,54392,359,18278,812,37368,841,82259,775,986
Total Liabilities269,169,023230,496,189205,994,834 185,013,608 162,227,205159,646,453124,915,039101,163,10886,933,32774,969,37964,570,45055,553,635
Shareholder's Fund16,226,12715,393,32215,114,317 14,965,322 14,710,1159,612,7495,998,9465,617,4345,425,8553,842,9934,271,3724,222,351

Profitability

Non Performing Loan Ratio8.46%8.71%10.11%9.63%5.40%3.27%2.85%4.00%7.60%7.30%4.34%2.28%
Return on assets ( Operating Profits) %0.47%0.78%1.09%1.57%2.08%2.20%1.79%1.49%1.09%0.54%1.66%2.94%
Return on equity %8.54%1.99%2.72%3.36%10.70%16.45%11.04%9.80%7.39%4.73%12.84%29.75%

Regulatory Ratios %

Capital Adequacy Ratio
As per Basel II - Tier I ( minimum ratio of 5%) %N/AN/AN/AN/AN/AN/A6.50%7.56%8.87%10.98%10.30%11.84%
As per Basel II - Tier II ( minimum ratio of 10%) %N/AN/AN/AN/AN/AN/A9.27%10.53%9.26%11.36%10.61%12.18%
As per Basel III - Common equity Tier I capital ratio %8.29%8.72%10.34%10.90%11.58%8.73%N/AN/AN/AN/AN/AN/A
As per Basel III - Total Tier I capital ratio %8.29%8.72%10.34%10.90%11.58%8.73%N/AN/AN/AN/AN/AN/A
As per Basel III - Total Capital ratio %15.22%14.27%14.94%16.27%13.61%12.57%N/AN/AN/AN/AN/AN/A
Statutory liquid assets ratio %27.83%26.18%29.30%32.38%24.27%26.27%21.25%21.77%35.51%25.51%23.30%21.17%