Financial Highlights

Operating Results for the Year	2022 Rs.000	2021 Rs.000	2020 Rs.000	2019 Rs.000	2018 Rs.000	2017 Rs.000	2016 Rs.000	2015 Rs.000	2014 Rs.000	2013 Rs.000	2012 Rs.000	2011 Rs.000
Gross Income	36,202,750	24,492,769	24,354,247	27,507,821	26,070,611	22,016,079	15,744,337	12,510,119	11,186,356	10,994,635	9,514,803	7,616,082
Operating profit before tax	1,998,116	1,926,782	2,060,859	2,960,258	3,606,330	3,306,995	2,130,568	1,484,064	1,400,341	686,790	1,492,426	1,976,323
Taxation	648,721	1,620,479	1,656,823	2,461,663	2,532,744	2,023,065	1,489,280	954,913	1,058,054	495,086	946,936	860,599
Profit after tax	1,349,395	306,303	404,036	498,595	1,073,586	1,283,930	641,288	529,152	342,287	191,704	545,491	1,115,724
Profit distributed to shareholders	1,458,769	279,005	148,995	418,126	993,559	1,113,803	518,605	576,338	350,010	191,207	545,491	1,115,724
Assets & liabilities	-	-	-
Customer Deposits	210,301,323	187,752,465	172,882,632	149,599,829	141,559,974	139,827,365	107,031,721	87,753,700	72,525,365	62,606,491	54,669,870	46,108,862
Loans & Advances (Gross)	215,372,502	189,039,666	167,099,050	144,693,551	137,769,683	130,324,846	108,102,760	89,469,402	62,005,439	60,093,466	53,667,171	47,199,757
Total Assets	285,395,150	245,889,512	221,109,151	199,978,929	176,937,319	169,259,202	130,913,894	106,780,543	92,359,182	78,812,373	68,841,822	59,775,986
Total Liabilities	269,169,023	230,496,189	205,994,834	185,013,608	162,227,205	159,646,453	124,915,039	101,163,108	86,933,327	74,969,379	64,570,450	55,553,635
Shareholder's Fund	16,226,127	15,393,322	15,114,317	14,965,322	14,710,115	9,612,749	5,998,946	5,617,434	5,425,855	3,842,993	4,271,372	4,222,351
Profitability
Non Performing Loan Ratio	8.46%	8.71%	10.11%	9.63%	5.40%	3.27%	2.85%	4.00%	7.60%	7.30%	4.34%	2.28%
Return on assets ( Operating Profits) %	0.47%	0.78%	1.09%	1.57%	2.08%	2.20%	1.79%	1.49%	1.09%	0.54%	1.66%	2.94%
Return on equity %	8.54%	1.99%	2.72%	3.36%	10.70%	16.45%	11.04%	9.80%	7.39%	4.73%	12.84%	29.75%
Regulatory Ratios %
Capital Adequacy Ratio
As per Basel II - Tier I ( minimum ratio of 5%) %	N/A	N/A	N/A	N/A	N/A	N/A	6.50%	7.56%	8.87%	10.98%	10.30%	11.84%
As per Basel II - Tier II ( minimum ratio of 10%) %	N/A	N/A	N/A	N/A	N/A	N/A	9.27%	10.53%	9.26%	11.36%	10.61%	12.18%
As per Basel III - Common equity Tier I capital ratio %	8.29%	8.72%	10.34%	10.90%	11.58%	8.73%	N/A	N/A	N/A	N/A	N/A	N/A
As per Basel III - Total Tier I capital ratio %	8.29%	8.72%	10.34%	10.90%	11.58%	8.73%	N/A	N/A	N/A	N/A	N/A	N/A
As per Basel III - Total Capital ratio %	15.22%	14.27%	14.94%	16.27%	13.61%	12.57%	N/A	N/A	N/A	N/A	N/A	N/A
Statutory liquid assets ratio %	27.83%	26.18%	29.30%	32.38%	24.27%	26.27%	21.25%	21.77%	35.51%	25.51%	23.30%	21.17%