Financial Highlights

Key performance indicators	2021/22	2020/21	%
Financial performance (Rs. Mn.)
Gross revenue	17,572	16,623	6
Net interest income	9,038	7,595	19
Net operating income	10,220	7,919	29
Profit before tax	5,268	3,467	52
Profit after tax	3,612	2,557	41
Position as at the year end (Rs. Mn.)
Loans and receivables to customers	78,725	75,058	5
Total assets	105,420	94,331	12
Total equity	17,648	14,052	26
Deposits from customers	52,217	48,999	7
Financial ratios (%)
Profitability perspective (%)
Operating profit margin	33.05	24.60
Net interest margin	9.05	8.10
Cost to income ratio (Excluding taxes on financial services)	38.65	41.00
Return on average assets (ROA) – after tax	3.62	2.73
Investor perspective
Earnings per share (Rs.)	51.75	36.64
Earnings yield (%)	22.43	33.31
Return on equity (ROE) (%) – after tax	22.79	19.97
Dividend per share	3.75*	7.50
Dividend yield (%)	1.63	6.82
Dividend cover (Times)	13.80	4.89
Dividend payout (%)	7.25	20.47
Net assets value per share (Rs.)	252.63	201.34
Market value per share – closing – voting (Rs.)	230.75	110.00
Market value per share – closing – non-voting (Rs.)	86.10	71.90
Market capitalisation (Rs. Mn.)	14,623	7,283
Price to earnings (Times)	4.46	3.00
Statutory ratios (%)
Capital adequacy
Tier I (minimum requirement – 8%)	15.16	12.10
Tier I and II (minimum requirement – 12%)	17.07	15.34
Statutory liquidity ratio	14.14	14.19
Non-performing advances ratio (%)
Gross NPL (Net of IIS)	5.89	7.00
Net non-performing loans (Net of IIS and provisions)	0.11	2.21

* Proposed