|
As at |
2024 |
2023 |
||||||
|---|---|---|---|---|---|---|---|---|
|
31st December |
30th September |
30th June |
31st March |
31st December |
30th September |
30th June |
31st March |
|
|
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
|
|
Statement of Financial Position |
||||||||
|
Total assets |
1,777,941 |
1,684,435 |
1,640,586 |
1,631,194 |
1,541,948 |
1,485,871 |
1,421,325 |
1,306,049 |
|
Financial assets at amortised cost - loans & advances |
860,152 |
811,392 |
786,863 |
775,057 |
756,436 |
748,725 |
781,287 |
785,947 |
|
Financial liabilities at amortised cost - due to depositors |
1,455,864 |
1,380,493 |
1,339,119 |
1,317,238 |
1,253,643 |
1,201,715 |
1,138,917 |
1,064,554 |
|
Total equity |
166,538 |
156,721 |
152,566 |
146,444 |
147,873 |
143,022 |
131,915 |
125,030 |
|
For the quarter ended |
2024 |
2023 |
||||||
|---|---|---|---|---|---|---|---|---|
|
31st December |
30th September |
30th June |
31st March |
31st December |
30th September |
30th June |
31st March |
|
|
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
Rs Mn |
|
|
Statement of Profit or Loss |
||||||||
|
Net interest income |
19,419 |
19,445 |
20,691 |
20,453 |
19,205 |
18,887 |
16,055 |
18,143 |
|
Net fee & commission income |
4,551 |
4,255 |
4,229 |
4,474 |
4,268 |
4,855 |
4,364 |
5,399 |
|
Net (loss)/gain from trading |
(1,553) |
2,135 |
2,156 |
(4,515) |
(928) |
(15) |
12 |
1,693 |
|
Net (loss)/gain on derecognition of financial assets |
(8,135) |
223 |
281 |
399 |
152 |
137 |
194 |
108 |
|
Net other operating income |
1,088 |
(2,254) |
(176) |
327 |
751 |
2,789 |
(671) |
(4,426) |
|
Total operating income |
15,370 |
23,804 |
27,181 |
21,138 |
23,448 |
26,653 |
19,954 |
20,917 |
|
Less: Impairment (reversal)/charge |
(17,123) |
(779) |
1,801 |
4,372 |
5,708 |
7,212 |
307 |
6,921 |
|
Net operating income |
32,493 |
24,583 |
25,380 |
16,766 |
17,740 |
19,441 |
19,647 |
13,996 |
|
Less: Total operating expenses |
11,244 |
9,983 |
9,657 |
8,448 |
8,128 |
8,054 |
8,380 |
7,894 |
|
Taxes on financial services |
4,403 |
3,231 |
3,456 |
2,077 |
1,874 |
2,586 |
2,532 |
1,615 |
|
Income tax expense |
7,311 |
4,695 |
4,509 |
2,886 |
2,948 |
4,114 |
3,698 |
1,861 |
|
Profit for the period |
9,535 |
6,674 |
7,758 |
3,355 |
4,790 |
4,687 |
5,037 |
2,626 |
|
Other comprehensive income for the period |
283 |
(2,519) |
(1,636) |
2,077 |
52 |
6,421 |
1,834 |
170 |
|
Total comprehensive income for the period |
9,818 |
4,155 |
6,122 |
5,432 |
4,842 |
11,108 |
6,871 |
2,796 |
|
For the quarter ended |
2024 |
2023 |
||||||
|---|---|---|---|---|---|---|---|---|
|
31st December |
30th September |
30th June |
31st March |
31st December |
30th September |
30th June |
31st March |
|
|
Market price per share (Rs) |
||||||||
|
Highest |
119.00 |
80.00 |
82.70 |
80.90 |
74.00 |
79.20 |
57.50 |
59.30 |
|
Lowest |
77.10 |
67.10 |
75.20 |
66.00 |
60.00 |
59.90 |
44.10 |
33.00 |
|
Closing |
118.25 |
77.70 |
78.30 |
80.00 |
70.50 |
70.00 |
55.90 |
52.50 |
|
As at |
2024 |
2023 |
||||||
|---|---|---|---|---|---|---|---|---|
|
31st December |
30th September |
30th June |
31st March |
31st December |
30th September |
30th June |
31st March |
|
|
Income & Profitability |
||||||||
|
Interest margin (%) |
4.90 |
5.01 |
5.18 |
5.24 |
5.16 |
5.19 |
5.19 |
5.60 |
|
Return on assets (before tax) (%) |
2.84 |
2.46 |
2.32 |
1.59 |
2.12 |
2.15 |
1.99 |
1.38 |
|
Return on equity (after tax) (%) |
17.74 |
15.67 |
14.90 |
9.04 |
12.65 |
12.49 |
12.10 |
8.37 |
|
Cost to Income Ratio (%) |
44.95 |
38.94 |
37.47 |
39.97 |
35.68 |
36.03 |
39.82 |
37.74 |
|
Regulatory Capital |
||||||||
|
Common Equity Tier 1 Capital Ratio (%) |
16.75 |
16.72 |
16.98 |
15.18 |
16.35 |
14.37 |
13.89 |
12.51 |
|
Total Tier 1 Capital Ratio (%) |
16.75 |
16.72 |
16.98 |
15.18 |
16.35 |
14.37 |
13.89 |
12.51 |
|
Total Capital Ratio (%) |
19.38 |
19.54 |
19.96 |
18.22 |
19.56 |
17.73 |
17.36 |
16.12 |
|
Leverage Ratio (%) |
7.24 |
7.26 |
6.46 |
5.72 |
6.39 |
6.29 |
6.76 |
6.68 |
|
Assets Quality |
||||||||
|
Impaired Loans (Stage 3) Ratio % |
4.69 |
5.27 |
5.70 |
5.53 |
5.87 |
5.93 |
5.49 |
5.39 |
|
Impairment (Stage 3) to Stage 3 Loans Ratio (%) |
60.08 |
57.92 |
58.77 |
59.18 |
57.80 |
54.68 |
54.20 |
52.75 |
|
Regulatory Liquidity Requirement |
||||||||
|
Statutory Liquid Assets Ratio - Bank* |
n/a |
n/a |
n/a |
52.79 |
47.76 |
45.39 |
35.56 |
28.27 |
|
Liquidity Coverage Ratio (%) - Rupee |
340.11 |
399.48 |
329.07 |
407.42 |
453.16 |
383.66 |
227.94 |
216.19 |
|
Liquidity Coverage Ratio (%) - All Currency |
307.36 |
303.25 |
299.48 |
307.77 |
312.47 |
299.36 |
228.79 |
182.91 |
|
Net Stable Funding Ratio (%) |
198.66 |
198.60 |
195.48 |
189.57 |
184.20 |
172.91 |
165.16 |
157.02 |
|
Memorandum Information |
||||||||
|
Credit Rating - Fitch |
AA-(lka) |
A (lka) |
A (lka) |
A (lka) |
A (lka) |
A (lka) |
A (lka) |
A (lka) |
|
Number of Employees |
4,428 |
4,352 |
4,328 |
4,297 |
4,179 |
4,071 |
4,035 |
4,034 |
|
Number of Branches |
229 |
229 |
229 |
229 |
229 |
229 |
229 |
229 |
n/a - not applicable
*Effective 15th June 2024, CBSL has discontinued the requirement to maintain the Statutory Liquid Assets Ratio.