2020/21
Rs. ’000 |
2019/20
Rs. ’000 |
2018/19 Rs. ’000 |
2017/18
Rs. ’000 |
2016/17
Rs. ’000 |
2015/16
Rs. ’000 |
2014/15
Rs. ’000 |
2013/14
Rs. ’000 |
2012/13
Rs. ’000 |
2011/12
Rs. ’000 |
|
Operating results | ||||||||||
Revenue | 16,622,791 | 17,362,985 | 16,240,520 | 11,784,862 | 8,591,218 | 7,486,004 | 6,907,077 | 6,267,086 | 4,311,850 | 2,892,653 |
Interest income | 14,877,242 | 15,636,833 | 14,174,517 | 10,117,149 | 7,587,180 | 6,647,024 | 6,251,533 | 5,895,604 | 4,087,387 | 2,555,433 |
Interest expenses | 7,282,499 | 8,998,331 | 8,949,018 | 6,662,828 | 4,699,482 | 3,588,413 | 3,381,455 | 3,553,403 | 2,386,570 | 1,311,936 |
Non-interest income | 1,745,549 | 1,726,152 | 2,066,003 | 1,667,713 | 1,004,038 | 838,980 | 655,544 | 481,482 | 302,206 | 337,220 |
Operating expenses (Including taxes on financial services) | 5,873,339 | 6,092,731 | 5,180,136 | 3,435,217 | 2,664,235 | 2,643,648 | 2,574,201 | 2,093,715 | 1,378,740 | 1,048,410 |
Profit before tax | 3,466,953 | 2,271,923 | 2,111,366 | 1,686,817 | 1,227,501 | 1,253,944 | 951,420 | 729,968 | 624,282 | 532,307 |
Income tax expense | 909,999 | 434,873 | 401,173 | 285,629 | 220,986 | 248,790 | 249,686 | 168,755 | 135,118 | 13,840 |
Profit after tax | 2,556,954 | 1,837,050 | 1,710,193 | 1,401,188 | 1,006,515 | 1,005,154 | 701,734 | 561,213 | 489,164 | 518,467 |
Liabilities and equity | ||||||||||
Deposits from customer | 48,999,341 | 43,305,775 | 47,222,578 | 44,709,832 | 32,601,836 | 30,887,693 | 27,079,134 | 24,518,193 | 17,771,173 | 11,699,663 |
Interest-bearing borrowings | 26,822,967 | 32,657,672 | 30,817,488 | 19,195,517 | 13,032,648 | 12,345,820 | 4,824,245 | 4,314,338 | 2,763,083 | 2,155,694 |
Other liabilities | 4,079,981 | 5,066,071 | 3,732,225 | 3,583,543 | 1,429,915 | 1,861,067 | 1,526,248 | 1,213,714 | 922,665 | 456,069 |
Deferred tax liabilities | 376,460 | 609,271 | 1,336,061 | 860,819 | 628,721 | 479,764 | 282,079 | 145,383 | 31,912 | – |
Total equity | 14,052,220 | 11,556,360 | 8,870,269 | 7,152,399 | 6,241,165 | 5,051,968 | 4,302,003 | 3,576,914 | 2,965,098 | 2,302,503 |
Total liabilities and equity | 94,330,969 | 93,195,149 | 91,978,621 | 75,502,110 | 53,934,285 | 50,626,312 | 38,013,709 | 33,768,542 | 24,453,931 | 16,613,929 |
Assets | ||||||||||
Loans and receivables to customers | 75,058,331 | 72,422,827 | 71,582,081 | 59,438,349 | 43,189,010 | 38,538,920 | 29,378,799 | 25,724,945 | 19,450,587 | 13,469,076 |
Cash and short term funds | 11,089,139 | 11,889,393 | 14,150,350 | 10,749,272 | 5,695,608 | 7,765,844 | 4,734,541 | 3,168,727 | 1,540,598 | 626,231 |
Property, plant and equipment | 3,090,338 | 2,950,554 | 2,384,016 | 2,029,222 | 1,839,091 | 1,606,958 | 1,421,343 | 1,004,471 | 657,718 | 470,980 |
Other assets | 5,093,161 | 5,932,375 | 3,862,174 | 3,285,267 | 3,210,576 | 2,714,590 | 2,479,026 | 3,870,400 | 2,805,028 | 2,047,642 |
Total assets | 94,330,969 | 93,195,149 | 91,978,621 | 75,502,110 | 53,934,285 | 50,626,312 | 38,013,709 | 33,768,542 | 24,453,931 | 16,613,929 |
Ratios | ||||||||||
Growth in income (%) | (4) | 7 | 38 | 37 | 15 | 8 | 8 | 45 | 52 | 28 |
Growth in interest expenses (%) | (19) | 1 | 34 | 42 | 31 | 6 | 5 | 49 | 82 | 44 |
Growth in other expenses (%) | (4) | (10) | 51 | 29 | 1 | 3 | 23 | 52 | 32 | 39 |
Growth in profit after tax (%) | 39.19 | 7.42 | 22 | 39 | 1 | 43 | 25 | 15 | (6) | (3) |
Growth in total assets (%) | 1 | 1 | 22 | 40 | 7 | 33 | 13 | 38 | 47 | 60 |
Earnings per share (Rs.) | 36.64 | 26.32 | 30.05 | 25.80 | 18.53 | 18.51 | 12.92 | 10.33 | 9.99 | 10.28 |
Return on average assets (%) | 2.73 | 1.98 | 2.04 | 2.17 | 1.93 | 2.27 | 1.96 | 1.93 | 2.38 | 3.84 |
Dividend per share (Rs.) | 7.50* | - | 5.00 | 5.00 | 3.50 | 3.50 | 3.50 | 3.00 | 2.75 | 2.50 |
* Proposed