Financial HIGHLIGHTS

Key performance indicators	2020/21	2019/20	%
Financial performance (Rs. Mn.)
Gross revenue	16,623	17,363	(4)
Net interest income	7,595	6,639	14
Net operating income	7,919	6,812	16
Profit before tax	3,467	2,272	53
Profit after tax	2,557	1,837	39
Position as at the year end (Rs. Mn.)
Loans and receivables to customers	75,058	72,423	4
Total assets	94,331	93,195	1
Total equity	14,052	11,556	22
Deposits from customers	48,999	43,306	13
Financial ratios (%)
Profitability perspective (%)
Operating profit margin	24.60	15.73
Net interest margin	8.10	7.17
Cost to income ratio (Excluding VAT on FS)	41.00	48.79
Return on average assets (ROA) – after tax	2.73	1.98
Investor perspective
Earnings per share (Rs.)	36.64	26.32
Earnings yield (%)	33.31	36.50
Return on equity (ROE) (%) – after tax	19.97	17.99
Dividend per share	7.50	–
Dividend yield (%)	6.82	–
Dividend cover (Times)	4.89	–
Dividend payout (%)	20.47	–
Net assets value per share (Rs.)	201.34	165.58
Market value per share – closing – voting (Rs.)	110.00	72.10
Market value per share – closing – non-voting (Rs.)	71.90	44.80
Market capitalisation (Rs. Mn.)	7,283	4,750
Price to earnings (Times)	3.00	2.74
Statutory ratios (%)
Capital adequacy
Tier I (minimum requirement – 5%)	12.10	10.25
Tier I and II (minimum requirement – 10%)	15.34	13.29
Statutory liquidity ratio	14.19	15.28
Non-performing advances ratio (%)
Gross NPL (Net of IIS)	7.00	7.54
Net NPL (Net of IIS and provisions)	2.21	4.24

Comparative KPIs except the statutory ratios have been adjusted to reflect the effect of amalgamation.