Information on the creation and distribution of economic value provides a basic indication of how the Bank has created wealth for its stakeholders.
| For the year ended 31st December | 2024 | 2023 |
|---|---|---|
| Rs Mn | Rs Mn | |
| Direct Economic Value Generated | ||
| Interest income | 183,055 | 203,447 |
| Exchange loss | (4,220) | (1,887) |
| Commission income | 22,289 | 22,910 |
| (Loss)/gain from investments | (7,015) | 943 |
| Other income | 1,207 | 473 |
| 195,316 | 225,886 | |
| Economic Value Distributed | ||
| To Depositors and Lenders | ||
| Interest expense | 99,552 | 126,735 |
| 99,552 | 126,735 | |
| Operating Costs | ||
| Depreciation and amortisation | 3,088 | 2,644 |
| Fee and commission expense | 4,780 | 4,023 |
| Other operating expense | 17,725 | 15,181 |
| 25,593 | 21,848 | |
| To Employees | ||
| Salaries | 11,444 | 9,571 |
| Other benefits | 6,613 | 4,679 |
| 18,057 | 14,250 | |
| Payments to Government | ||
| Income tax expense | 12,275 | 11,811 |
| Taxes on financial services | 13,167 | 8,607 |
| Crop insurance levy | 273 | 172 |
| 25,715 | 20,590 | |
| To Community | ||
| Corporate social responsibility projects | 60 | 91 |
| Corporate leadership programme for school leavers and undergraduates | 129 | 117 |
| Donations | 1 | 1 |
| 190 | 209 | |
| Payments to Providers of Capital | ||
| Interest to debt securities holders | 3,495 | 4,423 |
| Dividend to shareholders | 10,965 | 6,860 |
| 14,460 | 11,283 | |
| Economic value distributed | 183,567 | 194,915 |
| Economic value retained (after payment of dividend to shareholders) | 11,749 | 30,971 |
| 195,316 | 225,886 |