Results for the year – (Rs. Bn.)
|
|
|
|
|
|
|
|
|
Gross income
|
|
139.657
|
115.605
|
20.81
|
|
138.049
|
114.357
|
20.72
|
Operating profit before taxes on financial services
|
|
32.144
|
28.173
|
14.10
|
|
31.643
|
28.064
|
12.75
|
Profit before taxation (PBT)
|
|
26.099
|
23.280
|
12.11
|
|
25.591
|
23.183
|
10.39
|
Income tax expenses
|
|
8.236
|
6.654
|
23.77
|
|
8.047
|
6.602
|
21.90
|
Profit after taxation (PAT)
|
|
17.863
|
16.627
|
7.44
|
|
17.544
|
16.581
|
5.81
|
Revenue to the Governments
|
|
15.323
|
11.587
|
32.24
|
|
15.127
|
11.472
|
31.86
|
Gross dividends
|
|
6.571
|
6.478
|
1.44
|
|
6.571
|
6.478
|
1.44
|
Position at the year end – (Rs. Bn.)
|
|
|
|
|
|
|
|
|
Shareholders’ funds (stated capital and reserves)
|
|
119.398
|
107.995
|
10.56
|
|
118.406
|
107.099
|
10.56
|
Deposits from customers
|
|
994.371
|
857.270
|
15.99
|
|
983.037
|
850.128
|
15.63
|
Gross loans and advances
|
|
897.956
|
760.454
|
18.08
|
|
890.229
|
754.708
|
17.96
|
Total assets
|
|
1,319.912
|
1,155.821
|
14.20
|
|
1,303.485
|
1,143.374
|
14.00
|
Information per ordinary share (Rs.)
|
|
|
|
|
|
|
|
|
Earnings (Basic)
|
|
17.55
|
17.05
|
2.93
|
|
17.36
|
17.03
|
1.94
|
Dividends – Cash
|
|
–
|
–
|
–
|
|
4.50
|
4.50
|
–
|
Dividends – Shares
|
|
–
|
–
|
–
|
|
2.00
|
2.00
|
–
|
Net assets value
|
|
118.13
|
108.44
|
8.94
|
|
117.15
|
107.54
|
8.94
|
Market value at the year end – Voting
|
|
N/A
|
N/A
|
–
|
|
115.00
|
135.80
|
(15.32)
|
Market value at the year end – Non-voting
|
|
N/A
|
N/A
|
–
|
|
95.00
|
105.00
|
(9.52)
|
Ratios
|
|
|
|
|
|
|
|
|
Return on average shareholders’ funds – (ROE) (%)
|
|
15.71
|
17.78
|
(2.07)
|
|
15.56
|
17.88
|
(2.32)
|
Return on average assets – (ROA) (%)
|
|
1.44
|
1.53
|
(0.09)
|
|
1.43
|
1.54
|
(0.11)
|
Total impairment provision as a % of gross loans and advances (%)
|
|
3.38
|
2.37
|
(1.01)
|
|
3.27
|
2.29
|
(0.98)
|
Cost of risk (%)
|
|
0.98
|
0.13
|
(0.85)
|
|
0.96
|
0.09
|
(0.87)
|
Non-performing loans ratio – Gross (%)
|
|
–
|
–
|
–
|
|
3.24
|
1.88
|
(1.36)
|
Non-performing loans ratio – Net (%)
|
|
–
|
–
|
–
|
|
1.71
|
0.92
|
(0.79)
|
Price earnings – Ordinary voting shares (times)
|
|
N/A
|
N/A
|
–
|
|
6.62
|
7.97
|
(16.93)
|
Dividend Yield – Ordinary voting shares (%)
|
|
N/A
|
N/A
|
–
|
|
5.65
|
4.79
|
0.86
|
Dividend cover on ordinary shares (times)
|
|
N/A
|
N/A
|
–
|
|
2.67
|
2.62
|
0.05
|
Statutory ratios (%)
|
|
|
|
|
|
|
|
|
Liquid assets ratio – Domestic Banking Unit (DBU)
|
|
N/A
|
N/A
|
–
|
|
24.47
|
27.28
|
(2.81)
|
Liquid assets ratio – Off Shore Banking Unit (OBC)
|
|
N/A
|
N/A
|
–
|
|
30.20
|
30.95
|
(0.75)
|
Capital Adequacy Ratios (under Basel III) (%)
|
|
|
|
|
|
|
|
|
Common Equity Tier (CET) I capital ratio (Minimum requirement – 2018 – 7.375%, 2017 – 6.250%)
|
|
11.434
|
12.122
|
(0.688)
|
|
11.338
|
12.111
|
(0.773)
|
Tier I capital ratio (Minimum requirement – 2018 – 8.875%, 2017 – 7.750%)
|
|
11.434
|
12.122
|
(5.68)
|
|
11.338
|
12.111
|
(0.773)
|
Total capital ratio (Minimum requirement – 2018 – 12.875%, 2017 – 11.750%)
|
|
15.626
|
15.701
|
(0.075)
|
|
15.603
|
15.746
|
(0.143)
|
Liquidity coverage ratio (%)
|
|
|
|
|
|
|
|
|
Rupee – (Minimum requirement – 2018 – 90%, 2017 – 80%)
|
|
N/A
|
N/A
|
–
|
|
236.20
|
272.15
|
(35.95)
|
All currency – (Minimum requirement – 2018 – 90%, 2017 – 80%)
|
|
N/A
|
N/A
|
–
|
|
238.69
|
209.17
|
29.50
|