Financial Highlights

Operating Results for the Year

2025

Rs.000

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
Gross Income42,813,92139,552,22347,586,93536,202,75024,492,76924,354,24727,507,82126,070,61122,016,07915,744,337
Operating profit before tax9,316,9756,188,5763,508,2671,998,1161,926,7822,060,8592,960,2583,606,3303,306,9952,130,568
Taxation6,944,7034,913,1272,644,749648,7211,620,4791,656,8232,461,6632,532,7442,023,0651,489,280
Profit after tax2,372,2731,275,449863,5181,349,395306,303404,036498,5951,073,5861,283,930641,288
Profit distributed to shareholders3,549,583522,4221,339,5941,458,769279,005148,995418,126993,5591,113,803518,605
Assets & Liabilities----
Customer Deposits283,715,707253,664,002226,079,615210,301,323187,752,465172,882,632149,599,829141,559,974139,827,365107,031,721
Loans & Advances (Gross)302,539,821244,788,394213,962,635215,372,502189,039,666167,099,050144,693,551137,769,683130,324,846108,102,760
Total Assets362,175,745323,831,355299,717,438285,395,150245,889,512221,109,151199,978,929176,937,319169,259,202130,913,894
Total Liabilities340,238,019305,443,211281,851,716269,169,023230,496,189205,994,834185,013,608162,227,205159,646,453124,915,039
Shareholder's Fund21,937,72618,388,14417,865,72216,226,12715,393,32215,114,31714,965,32214,710,1159,612,7495,998,946
Profitability
Non Performing Loan RatioN/AN/AN/AN/A8.71%10.11%9.63%5.40%3.27%2.85%
Impaired Loans (Stage 3) to Total Loans Ratio(%)4.06%6.25%8.80%6.53%------
Return on assets ( Operating Profits) %1.70%1.03%0.40%0.47%0.78%1.09%1.57%2.08%2.20%1.79%
Return on equity %11.77%7.04%5.07%8.54%1.99%2.72%3.36%10.70%16.45%11.04%
Regulatory Ratios %
Capital Adequacy Ratios
As per Basel II - Tier I ( minimum ratio of 5%) %N/AN/AN/AN/AN/AN/AN/AN/AN/A6.50%
As per Basel II - Tier II ( minimum ratio of 10%) %N/AN/AN/AN/AN/AN/AN/AN/AN/A9.27%
As per Basel III - Common equity Tier I capital ratio %9.79%9.65%10.09%8.29%8.72%10.34%10.90%11.58%8.73%N/A
As per Basel III - Total Tier I capital ratio %9.79%9.65%10.09%8.29%8.72%10.34%10.90%11.58%8.73%N/A
As per Basel III - Total Capital ratio %14.50%15.65%17.28%15.22%14.27%14.94%16.27%13.61%12.57%N/A
Liquidity Ratios
Statutory liquid assets ratio %N/AN/A38.73%27.83%26.18%29.30%32.38%24.27%26.27%21.25%
Liquidity Coverage Ratio (%) (Minimum Requirement - 100% )
Rupee (%)207.00%402.00%976.00%N/AN/AN/AN/AN/AN/AN/A
All Currency (%)207.00%402.00%976.00%N/AN/AN/AN/AN/AN/AN/A
Net Stable Funding Ratio (%) - (Minimum Requirement - 100%)130.00%152.00%174.00%N/AN/AN/AN/AN/AN/AN/A