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