Financial Highlights
Figure in million (unless stated otherwise)
| SL | Particular | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|
| 1 | Authorized capital | 30,000.00 | 30,000.00 | 30,000.00 | 30,000.00 | 30,000.00 |
| 2 | Paid up capital | 23,140.00 | 23,140.00 | 19,140.00 | 19,140.00 | 19,140.00 |
| 3 | Total capital (Tier-I+Tier-II) | 58,075.81 | 54,322.81 | 44,596.31 | 43,189.82 | 37,128.33 |
| 4 | Required capital | 57,930.50 | 53,823.05 | 44,341.90 | 40,408.89 | 36,562.52 |
| 5 | Surplus/(shortage) of capital | 145.30 | 499.75 | 254.41 | 2,780.93 | 565.82 |
| 6 | Capital to Risk Weighted Asset Ratio (CRAR) | 10.03% | 10.09% | 10.06% | 10.69% | 10.16% |
| 7 | Total assets | 895,387.08 | 866,046.48 | 805,988.41 | 778,603.91 | 683,157.58 |
| 8 | Total deposits | 691,409.37 | 675,548.46 | 649,440.78 | 641,819.15 | 568,911.14 |
| 9 | Total loans and advances | 548,473.94 | 533,707.17 | 459,580.05 | 403,037.41 | 349,861.30 |
| 10 | Total contingent liabilities and commitments | 85,918.92 | 94,744.23 | 120,881.92 | 105,174.55 | 121,570.94 |
| 11 | Credit deposit ratio | 79.33% | 79.00% | 70.77% | 62.80% | 61.50% |
| 12 | Total classified loans | 146,033.38 | 179,984.47 | 75,995.50 | 59,359.80 | 43,181.70 |
| 13 | Percentage of classified loans against total loans | 26.63% | 33.72% | 16.54% | 14.73% | 12.34% |
| 14 | Import | 210,957.20 | 220,413.70 | 143,582.20 | 126,650.00 | 147,181.80 |
| 15 | Export | 97,398.20 | 114,681.00 | 139,920.90 | 154,454.20 | 145,373.60 |
| 16 | Foreign remittance | 75,532.10 | 76,078.10 | 72,022.00 | 90,081.80 | 106,336.30 |
| 17 | Income from investment | 11,664.06 | 11,350.63 | 14,414.82 | 16,597.90 | 18,260.44 |
| 18 | Operating profit | 7,093.66 | 9,788.97 | 11,369.48 | 10,038.29 | 10,720.50 |
| 19 | Profit after tax and provision | 246.44 | 248.98 | 2,686.50 | 2,605.48 | 4,807.88 |
| 20 | Provision kept against loans and advances (G+S) including OBS exposures | 39,296.98 | 33,920.65 | 29,614.04 | 24,869.90 | 21,661.71 |
| 21 | Provision kept against classified loans and advances | 31,309.38 | 30,804.01 | 23,910.51 | 19,914.24 | 17,670.80 |
| 22 | Provision surplus/(deficit) against loans and advances | 62.33 | 0.90 | 59.39 | 251.56 | 83.77 |
| 23 | Cost of fund | 6.63% | 7.10% | 7.28% | 8.05% | 7.94% |
| 24 | Cost of deposit (%) | 4.26% | 4.34% | 4.47% | 5.49% | 6.76% |
| 25 | Average return on loans and advances | 6.40% | 7.15% | 8.04% | 8.54% | 9.35% |
| 26 | Interest spread | 2.14% | 2.81% | 3.58% | 3.05% | 2.59% |
| 27 | Net spread | 1.48% | 1.77% | 2.06% | ||
| 28 | Earning assets | 622,452.95 | 568,956.07 | 610,004.45 | 605,444.04 | 548,634.47 |
| 29 | Non earning assets | 272,934.13 | 297,090.42 | 195,983.96 | 173,159.87 | 134,523.10 |
| 30 | Return on investment (ROI) | 6.89% | 8.37% | 6.90% | 7.19% | 8.61% |
| 31 | Return on assets (ROA) after tax | 0.03% | 0.03% | 0.33% | 0.33% | 0.70% |
| 32 | Return on equity (ROE) | 0.49% | 0.46% | 5.23% | 5.22% | 11.44% |
| 33 | Earning per share (EPS) | 1.06 | 1.17 | 14.04 | 13.61 | 25.12 |
| 34 | Net operating income per share | 30.66 | 46.20 | 59.40 | 52.45 | 56.01 |
| 35 | Net assets value per share (NAVPS) | 217.23 | 235.77 | 268.36 | 260.66 | 219.63 |
| 36 | Net operating cash flow per share (NOCFPS) | 63.46 | (151.15) | (167.99) | 103.13 | 165.93 |