Ten yearstatistical summary

	2021/22	2020/21	2019/20	2018/19	2017/18	2016/17	2015/16	2014/15	2013/14	2012/13
	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000	Rs. ’000
Operating results
Income	17,572,154	16,622,791	17,362,985	16,240,520	11,784,862	8,591,218	7,486,004	6,907,077	6,267,086	4,311,850
Interest income	15,194,413	14,877,242	15,636,833	14,174,517	10,117,149	7,587,180	6,647,024	6,251,533	5,895,604	4,087,387
Interest expenses	6,156,858	7,282,499	8,998,331	8,949,018	6,662,828	4,699,482	3,588,413	3,381,455	3,553,403	2,386,570
Non-interest income	2,377,741	1,745,549	1,726,152	2,066,003	1,667,713	1,004,038	838,980	655,544	481,482	302,206
Operating expenses (Including VAT)	6,147,352	5,873,339	6,092,731	5,180,136	3,435,217	2,664,235	2,643,648	2,574,201	2,093,715	1,378,740
Profit/(loss) before income tax	5,267,944	3,466,953	2,271,923	2,111,366	1,686,817	1,227,501	1,253,944	951,420	729,968	624,282
Income tax on profit	1,655,864	909,999	434,873	401,173	285,629	220,986	248,790	249,686	168,755	135,118
Profit/loss after taxation	3,612,080	2,556,954	1,837,050	1,710,193	1,401,188	1,006,515	1,005,154	701,734	561,213	489,164
Liabilities and shareholders’ funds
Customer deposits	52,216,802	48,999,341	43,305,775	47,222,578	44,709,832	32,601,836	30,887,693	27,079,134	24,518,193	17,771,173
Borrowings	31,239,137	26,822,967	32,657,672	30,817,488	19,195,517	13,032,648	12,345,820	4,824,245	4,314,338	2,763,083
Other liabilities	3,685,859	4,079,981	5,066,071	3,732,225	3,583,543	1,429,915	1,861,067	1,526,248	1,213,714	922,665
Deferred taxation	630,110	376,460	609,271	1,336,061	860,819	628,721	479,764	282,079	145,383	31,912
Shareholders’ funds	17,648,075	14,052,220	11,556,360	8,870,269	7,152,399	6,241,165	5,051,968	4,302,003	3,576,914	2,965,098
Total liabilities and shareholders’ funds	105,419,983	94,330,969	93,195,149	91,978,621	75,502,110	53,934,285	50,626,312	38,013,709	33,768,542	24,453,931
Assets
Loans and receivables to customers (Net)	78,725,310	75,058,331	72,422,827	71,582,081	59,438,349	43,189,010	38,538,920	29,378,799	25,724,945	19,450,587
Cash and short term funds	18,403,020	11,089,139	11,889,393	14,150,350	10,749,272	5,695,608	7,765,844	4,734,541	3,168,727	1,540,598
Property, plant and equipment	4,256,548	3,090,338	2,950,554	2,384,016	2,029,222	1,839,091	1,606,958	1,421,343	1,004,471	657,718
Other assets	4,035,105	5,093,161	5,932,375	3,862,174	3,285,267	3,210,576	2,714,590	2,479,026	3,870,400	2,805,028
Total assets	105,419,983	94,330,969	93,195,149	91,978,621	75,502,110	53,934,285	50,626,312	38,013,709	33,768,542	24,453,931
Ratios
Growth in income (%)	6	(4)	7	38	37	15	8	8	45	52
Growth in interest expenses (%)	(15)	(19)	1	34	42	31	6	5	49	82
Growth in other expenses (%)	5	(4)	(10)	51	29	1	3	23	52	32
Growth in profit after tax (%)	41.26	39.19	7.42	22	39	1	43	25	15	(6)
Growth in total assets (%)	12	1	1	22	40	7	33	13	38	47
Earnings per share (Rs.)	51.75	36.64	26.32	30.05	25.80	18.53	18.51	12.92	10.33	9.99
Return on average assets (%)	3.62	2.73	1.98	2.04	2.17	1.93	2.27	1.96	1.93	2.38
Dividend per share (Rs.)	3.75*	7.50	–	5.00	5.00	3.50	3.50	3.50	3.00	2.75

* Proposed