Financial Highlights

Operating Results for the Year

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 Income 27,507,821 26,070,61122,016,07915,744,33712,510,11911,186,35610,994,6359,514,8037,616,082
Operating profit before tax 2,960,258 3,606,3303,306,9952,130,5681,484,0641,400,341686,7901,492,4261,976,323
Taxation 2,461,663 2,532,7442,023,0651,489,280954,9131,058,054495,086946,936860,599
Profit after tax 498,595 1,073,5861,283,930641,288529,152342,287191,704545,4911,115,724
Profit distributed to shareholders 418,126 993,5591,113,803518,605576,338350,010191,207545,4911,115,724

Assets & liabilities

Customer Deposits 149,599,829 141,559,974139,827,365107,031,72187,753,70072,525,36562,606,49154,669,87046,108,862
Loans & Advances (Gross) 144,693,551 137,769,683130,324,846108,102,76089,469,40262,005,43960,093,46653,667,17147,199,757
Total Assets 199,978,929 176,937,319169,259,202130,913,894106,780,54392,359,18278,812,37368,841,82259,775,986
Total Liabilities 185,013,608 162,227,205159,646,453124,915,039101,163,10886,933,32774,969,37964,570,45055,553,635
Shareholder's Fund 14,965,322 14,710,1159,612,7495,998,9465,617,4345,425,8553,842,9934,271,3724,222,351

Profitability

Non Performing Loan Ratio9.63%5.40%3.27%2.85%4.00%7.60%7.30%4.34%2.28%
Return on assets ( Operating Profits) %1.57%2.08%2.20%1.79%1.49%1.09%0.54%1.66%2.94%
Return on equity %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/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/A9.27%10.53%9.26%11.36%10.61%12.18%
As per Basel III - Common equity Tier I capital ratio %10.90%11.58%8.73%N/AN/AN/AN/AN/AN/A
As per Basel III - Total Tier I capital ratio %10.90%11.58%8.73%N/AN/AN/AN/AN/AN/A
As per Basel III - Total Capital ratio %16.27%13.61%12.57%N/AN/AN/AN/AN/AN/A
Statutory liquid assets ratio %32.38%24.27%26.27%21.25%21.77%35.51%25.51%23.30%21.17%
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