| Profitability (Rs Mn) |
|
|
|
|
|
|
| Gross income |
195,321 |
226,154 |
(13.6) |
206,569 |
236,504 |
(12.7) |
| Total operating income |
87,494 |
90,973 |
(3.8) |
94,089 |
95,463 |
(1.4) |
| Impairment (reversal)/charge |
(11,728) |
20,149 |
(158.2) |
(11,871) |
20,210 |
(158.7) |
| Operating expenses |
39,333 |
32,457 |
21.2 |
42,802 |
34,966 |
22.4 |
| Operating profit before taxes on financial services |
59,889 |
38,368 |
56.1 |
63,158 |
40,287 |
56.8 |
| Taxes on financial services |
13,167 |
8,607 |
53.0 |
13,970 |
9,085 |
53.8 |
| Profit before income tax |
46,722 |
29,760 |
57.0 |
49,188 |
31,202 |
57.6 |
| Income tax expense |
19,402 |
12,620 |
53.7 |
20,485 |
13,277 |
54.3 |
| Profit for the year |
27,321 |
17,140 |
59.4 |
28,703 |
17,924 |
60.1 |
| Assets and Liabilities (Rs Mn) |
|
|
|
|
|
|
| Deposits from banks and customers |
1,469,222 |
1,264,470 |
16.2 |
1,500,506 |
1,287,379 |
16.6 |
| Gross loans and advances |
964,576 |
877,317 |
9.9 |
1,009,261 |
911,925 |
10.7 |
| Total equity |
166,538 |
147,873 |
12.6 |
177,882 |
157,830 |
12.7 |
| Total liabilities |
1,611,403 |
1,394,075 |
15.6 |
1,659,113 |
1,429,545 |
16.1 |
| Total assets |
1,777,941 |
1,541,948 |
15.3 |
1,836,995 |
1,587,376 |
15.7 |
| Investor Information |
|
|
|
|
|
|
| Net asset value per share (Rs) |
142.01 |
126.10 |
12.6 |
151.69 |
134.59 |
12.7 |
| Market price per share (Rs) |
118.25 |
70.50 |
67.7 |
|
|
|
| Earnings per share - Basic/Diluted (Rs) |
23.30 |
14.62 |
59.4 |
24.48 |
15.28 |
60.1 |
| Total dividend per share (Rs) |
9.35 |
5.85 |
59.8 |
|
|
|
| Cash dividend per share (Rs) |
9.35 |
5.85 |
59.8 |
|
|
|
| Dividend cover (times) |
2.49 |
2.50 |
(0.4) |
|
|
|
| Dividend payout ratio (%) |
40.13 |
40.02 |
0.3 |
|
|
|
| Gross dividend (Rs Mn) |
10,965 |
6,860 |
59.8 |
|
|
|
| Market capitalisation (Rs Mn) |
138,672 |
82,675 |
67.7 |
|
|
|
| Other Ratios |
|
|
|
|
|
|
| Return on average assets (before tax) (%) |
2.84 |
2.12 |
34.0 |
2.88 |
2.14 |
34.6 |
| Dividend yield (%) |
7.91 |
8.30 |
(4.7) |
|
|
|
| Earnings yield (%) |
19.70 |
20.74 |
(5.0) |
20.70 |
21.67 |
(4.5) |
| Price earning ratio (times) |
5.08 |
4.82 |
5.4 |
4.83 |
4.61 |
4.8 |
| Price to book value (times) |
0.83 |
0.56 |
48.2 |
0.78 |
0.52 |
50.0 |
| Total impairment on loans as a % of gross loans and advances |
10.83 |
13.78 |
(21.4) |
10.63 |
13.66 |
(22.2) |
| Stage 3 impairment to Stage 3 loans ratio (%) |
60.08 |
57.80 |
3.9 |
59.73 |
56.72 |
5.3 |
| Impaired loans (Stage 3) ratio (%) |
4.69 |
5.87 |
(20.1) |
4.70 |
6.15 |
(23.6) |
| Cost of risk (%) |
0.31 |
2.04 |
(84.8) |
0.28 |
1.96 |
(85.7) |
| Cost to income ratio (excluding taxes on financial services) (%) |
44.95 |
35.68 |
26.0 |
45.49 |
36.63 |
24.2 |
| CASA ratio (%) |
33.99 |
33.40 |
1.8 |
33.27 |
32.80 |
1.4 |
| Loans to deposits ratio (%) |
65.65 |
69.38 |
(5.4) |
67.26 |
70.84 |
(5.1) |
| Leverage ratio (%) |
7.24 |
6.39 |
13.3 |
7.58 |
6.73 |
12.6 |
| Net stable funding ratio (%) |
198.66 |
184.20 |
7.9 |
|
|
|
| Fitch Rating |
AA-(lka) Stable* |
A(lka) Stable |
|
|
|
|
