| Total income |
485,405 |
542,187 |
(10.5) |
494,922 |
551,867 |
(10.3) |
| Net interest income |
167,552 |
91,188 |
83.7 |
171,728 |
95,510 |
79.8 |
| Profit before taxes on financial services |
135,300 |
53,006 |
155.3 |
136,925 |
54,695 |
150.3 |
| Profit before tax |
106,904 |
40,342 |
165.0 |
108,221 |
41,773 |
159.1 |
| Profit after tax |
64,387 |
26,694 |
141.2 |
65,061 |
27,618 |
135.6 |
| Value to the Government |
65,931 |
25,948 |
154.1 |
66,969 |
26,999 |
148.0 |
| Total assets |
4,985,139 |
4,411,748 |
13.0 |
5,048,671 |
4,467,760 |
13.0 |
| Gross loans and advances |
2,436,162 |
2,457,772 |
(0.9) |
2,482,029 |
2,491,981 |
(0.4) |
| Deposits due to customers |
4,208,603 |
3,882,232 |
8.4 |
4,245,532 |
3,909,581 |
8.6 |
| Total liabilities |
4,682,579 |
4,160,034 |
12.6 |
4,726,224 |
4,195,181 |
12.7 |
| Total equity |
302,560 |
251,715 |
20.2 |
322,448 |
272,579 |
18.3 |
| Basic earnings per share |
2,575 |
1,068 |
141.2 |
2,600 |
1,103 |
135.8 |
| Net assets value per share |
12,102 |
10,069 |
20.2 |
12,852 |
10,858 |
18.4 |
| Return on average assets |
2.3 |
0.9 |
1.4 |
2.3 |
0.9 |
1.4 |
| Return on average equity |
23.2 |
10.6 |
12.6 |
21.9 |
10.1 |
11.8 |
| Interest margin |
3.6 |
2.1 |
1.5 |
3.6 |
2.2 |
1.4 |
| Cost to income |
40.1 |
55.7 |
(15.6) |
41.3 |
56.8 |
(15.5) |
| Loans to deposits |
57.9 |
63.3 |
(5.4) |
58.5 |
63.7 |
(5.2) |
| Debt to equity |
26.8 |
32.2 |
(5.4) |
|
|
|
| Impairment provision as a percentage of gross loans and advances |
10.6 |
10.1 |
0.5 |
10.5 |
10.1 |
0.4 |
| Impaired loans (Stage 3) |
7.2 |
5.1 |
2.1 |
|
|
|
| Impairment (Stage 3) to Stage 3 loans |
53.6 |
60.4 |
(6.8) |
|
|
|
| Liquidity coverage ratio (Rupee) (Minimum requirement - 100%) |
329.0 |
316.0 |
13.0 |
|
|
|
| Liquidity coverage ratio (All currency) (Minimum requirement - 100%) |
269.6 |
227.2 |
42.4 |
|
|
|
| Net stable funding ratio (Minimum requirement - 100%) |
157.9 |
145.0 |
12.9 |
|
|
|
| Leverage ratio (Minimum requirement - 3%) |
4.4 |
4.8 |
(0.4) |
4.6 |
5.0 |
(0.4) |
| Common Equity Tier 1 Capital (Minimum requirement- 8.50%) |
12.0 |
11.7 |
0.3 |
12.2 |
12.1 |
0.1 |
| Tier 1 Capital (Minimum requirement- 10.00%) |
13.0 |
12.8 |
0.2 |
13.1 |
13.1 |
- |
| Total Capital (Minimum requirement - 14.00%) |
16.6 |
15.8 |
0.8 |
16.7 |
16.2 |
0.5 |
