Our year in review

In the context of the volatile, uncertain, complex and ambiguous operating environment we continued to meet the aspirations of our stakeholders. Our results demonstrate the strength of our Organisation, the resilience of our business model, the soundness of our strategy, the robustness of our risk management framework, and the high quality of our customer base. PAT swelled by 41% YoY to Rs. 3,612 Mn. ROA to 3.62% and ROE to 22.79%. NPA ratio (gross) reduced by 111 bps YoY to 5.89% and the NPA ratio (net) by a phenomenal 210 bps to 0.11%.