Financial Highlights
| GROUP | BANK | ||||||
| 2011 | 2010 | Change % | 2011 | 2010 | Change % | ||
| Results for the Year (Rs. Mn.) | |||||||
| Income | 45,465.364 | 41,481.762 | 9.60 | 45,483.389 | 41,521.531 | 9.54 | |
| Profit Before Financial VAT and Taxation | 12,591.592 | 12,009.384 | 4.85 | 12,510.367 | 12,026.311 | 4.02 | |
| Profit Before Taxation (PBT) | 11,068.620 | 9,300.466 | 19.01 | 10,987.395 | 9,317.393 | 17.92 | |
| Provision for Taxation | 2,973.468 | 3,790.472 | (21.55) | 2,939.567 | 3,794.100 | (22.52) | |
| Profit After Taxation (PAT) | 8,095.152 | 5,509.994 | 46.92 | 8,047.828 | 5,523.293 | 45.71 | |
| Revenue to the Governments | 4,197.280 | 6,582.708 | (36.24) | 4,163.379 | 6,586.336 | (36.79) | |
| Gross Dividends | 4,904.701 | 2,645.950 | 85.37 | 4,904.701 | 2,645.950 | 85.37 | |
| At the Year End (Rs. Mn.) | |||||||
| Shareholders’ Funds (Capital and Reserves) | 44,567.657 | 33,512.576 | 32.99 | 44,226.727 | 33,302.052 | 32.80 | |
| Deposits | 318,404.310 | 259,744.567 | 22.58 | 318,461.431 | 259,778.911 | 22.59 | |
| Gross Loans and Advances | 283,184.195 | 223,796.523 | 26.54 | 283,343.645 | 224,020.088 | 26.48 | |
| Total Assets | 441,333.906 | 370,257.944 | 19.20 | 441,099.286 | 370,060.142 | 19.20 | |
| Information per Ordinary Share (Rs.) | |||||||
| Earnings (Basic) | 10.09 | 7.20 | 40.14 | 10.04 | 7.22 | 39.06 | |
| Earnings (Diluted) | 9.97 | 7.15 | 39.44 | 9.91 | 7.17 | 38.21 | |
| Dividends - Cash | – | – | – | 4.00 | 5.00 | (20.00) | |
| Dividends - Shares | – | – | – | 2.00 | 2.00 | – | |
| Net Assets Value | 54.52 | 43.81 | 24.45 | 54.10 | 43.53 | 24.28 | |
| Market Value at the Year end - Voting | N/A | N/A | – | 100.00 | 259.90 | (61.52) | |
| Market Value at the Year end - Non-Voting | N/A | N/A | – | 74.50 | 162.00 | (54.01) | |
| Ratios | |||||||
| Return on Average Shareholders’ Funds (%) | 20.74 | 17.71 | 3.03 | 20.76 | 17.87 | 2.89 | |
| Return on Average Assets (%) | 1.99 | 1.59 | 0.40 | 1.98 | 1.60 | 0.38 | |
| Price Earnings (times) - Ordinary Voting Shares | N/A | N/A | 10.16 | 17.76 | (42.79) | ||
| Price Earnings (times) - Ordinary Non-Voting Shares | N/A | N/A | 7.57 | 11.07 | (31.62) | ||
| Year on Year growth in Earnings (%) | 46.92 | 31.41 | 15.51 | 45.71 | 28.30 | 17.41 | |
| Dividend Yield (%) - Ordinary Voting Shares | N/A | N/A | 6.00 | 2.69 | 3.31 | ||
| Dividend Yield (%) - Ordinary Non-Voting Shares | N/A | N/A | 8.05 | 4.32 | 3.73 | ||
| Dividend Cover per Ordinary Shares (times) | N/A | N/A | 1.64 | 2.09 | (21.53) | ||
| Statutory Ratios | |||||||
| Liquid Assets (%) | N/A | N/A | – | 26.21 | 29.74 | (3.53) | |
| Capital Adequacy Ratios | |||||||
| Tier I (%) - Minimum Requirement (5%) | 12.11 | 10.86 | 1.25 | 12.11 | 10.87 | 1.24 | |
| Tier I & II (%) - Minimum Requirement (10%) | 13.01 | 12.26 | 0.75 | 13.01 | 12.27 | 0.74 | |
Financial Goals and Achievements
| Financial Indicator - Bank | Goal | Achievement | |||||
| 2011 | 2010 | 2009 | 2008 | 2007 | |||
| Return on Average Assets (%) | Over 2 | 1.98 | 1.60 | 1.43 | 1.55 | 1.67 | |
| Return on Average Shareholders’ Funds (%) | Over 20 | 20.76 | 17.87 | 15.83 | 17.13 | 20.63 | |
| Growth in Income (%) | Over 20 | 9.54 | (5.07) | (0.85) | 25.25 | 43.95 | |
| Growth in Profit After Taxation (%) | Over 20 | 45.71 | 28.30 | 0.86 | 4.02 | 103.89 | |
| Growth in Total Assets (%) | Over 20 | 19.20 | 14.81 | 14.62 | 4.95 | 19.63 | |
| Dividend per Share (Rs.) | Over 5.00 | 6.00 | 7.00 | 7.00 | 7.00 | 7.00 | |
| Capital Adequacy Ratios: Group | |||||||
| Tier I (%) - Minimum Requirement (5%) | Over 8 | 12.11 | 10.86 | 11.92 | 10.55 | 10.60 | |
| Tier I & II (%) - Minimum Requirement (10%) | Over 13 | 13.01 | 12.26 | 13.93 | 13.13 | 13.71 | |