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Group |
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Bank |
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2008 |
2007 |
Change |
2008 |
2007 |
Change |
| |
Rs. Mn |
Rs. Mn |
% |
Rs. Mn |
Rs. Mn |
% |
| Results for the Year |
|
|
|
|
|
|
| Gross Income |
43,960.022 |
35,206.860 |
24.86 |
44,115.249 |
35,222.918 |
25.25 |
| Profit before Financial VAT and Taxation |
9,507.716 |
8,342.611 |
13.17 |
9,611.610 |
8,256.491 |
16.41 |
| Profit before Taxation |
7,416.248 |
6,790.849 |
9.21 |
7,520.142 |
6,704.729 |
12.16 |
| Provision for Taxation |
3,295.842 |
2,638.396 |
24.92 |
3,251.770 |
2,601.164 |
25.01 |
| Profit after Taxation |
4,120.406 |
4,152.453 |
(0.77) |
4,268.372 |
4,103.565 |
4.02 |
| Revenue to the Governments |
5,414.510 |
4,224.216 |
28.18 |
5,370.438 |
4,186.984 |
28.27 |
| Gross dividends |
1,786.498 |
1,856.285 |
(3.76) |
1,786.498 |
1,856.285 |
(3.76) |
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| At the Year End |
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| Shareholders’ Funds (Capital and Reserves) |
26,226.050 |
24,357.891 |
7.67 |
25,891.229 |
23,936.037 |
8.17 |
| Deposits from customers |
199,865.203 |
183,087.880 |
9.16 |
199,880.986 |
183,110.135 |
9.16 |
| Gross loans and advances to customers |
186,681.482 |
178,726.737 |
4.45 |
186,885.529 |
178,878.233 |
4.48 |
| Total Assets |
281,567.040 |
268,385.230 |
4.91 |
281,213.685 |
267,939.639 |
4.95 |
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| Information per Ordinary Share (Rs.) |
|
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|
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|
|
| Earnings (Basic) |
16.36 |
17.04 |
(3.99) |
16.96 |
16.84 |
0.71 |
| Dividends |
N/A |
N/A |
N/A |
7.00 |
7.00 |
– |
| Net Assets Value per Ordinary Share |
105.16 |
93.79 |
12.12 |
103.81 |
92.09 |
12.73 |
| Market value at the year end - voting |
N/A |
N/A |
N/A |
67.00 |
147.00 |
(54.42) |
| Market value at the year end - non-voting |
N/A |
N/A |
N/A |
49.00 |
74.50 |
(34.23) |
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| Ratios |
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| Return on average shareholders’ funds (%) |
16.29 |
20.57 |
(20.81) |
17.13 |
20.63 |
(16.97) |
| Return on average assets (%) |
1.50 |
1.69 |
(11.24) |
1.55 |
1.67 |
(7.19) |
| Price earnings (times) - Ordinary voting shares |
4.10 |
8.62 |
(52.44) |
3.95 |
8.73 |
(54.75) |
| Price earnings (times) - Ordinary non-voting shares |
3.00 |
4.37 |
(31.35) |
2.89 |
4.42 |
(34.62) |
| Year on year growth in earnings (%) |
(0.77) |
100.37 |
(100.77) |
4.02 |
103.89 |
(96.13) |
| Year on year growth in dividends on ordinary shares (%) |
– |
40.00 |
(100.00) |
– |
40.00 |
(100.00) |
| Dividend yield (%) - Ordinary voting shares |
N/A |
N/A |
N/A |
10.45 |
4.76 |
119.54 |
| Dividend yield (%) - Ordinary non-voting shares |
N/A |
N/A |
N/A |
14.29 |
9.40 |
52.02 |
| Dividend cover on ordinary shares (times) |
N/A |
N/A |
N/A |
2.42 |
2.29 |
5.68 |
| Dividend cover on preference shares (times) |
101.28 |
36.91 |
174.40 |
104.92 |
36.48 |
187.61 |
| Total Dividend cover (times) |
2.31 |
2.24 |
3.12 |
2.39 |
2.21 |
8.14 |
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| Statutory Ratios |
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| Liquid assets (minimum 20%) |
N/A |
N/A |
N/A |
24.82 |
24.24 |
2.39 |
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| Capital Adequacy Ratios (Basel II) |
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| Tier I (minimum required 5%) |
10.55 |
10.00 |
5.50 |
10.51 |
9.99 |
5.21 |
| Tier I & II (minimum required 10%) |
13.13 |
12.98 |
1.16 |
13.09 |
12.99 |
0.77 |
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