Impact to Stakeholders

Investor

ROE

19.9%

ROA

1.8%

Gross dividends

Rs3.5 Bn

Holding period return

10.9%

Compared to the
decline of 9.7%
in ASPI

Supplier

Utilities

Rs 490 Mn

Rent

Rs 955 Mn

Technology providers

Rs 585 Mn

 
 
 

Customer

251

Branches

485

ATMs

  • Offering choice and convenience through omni channels (branches, ATMs, electronic and mobile banking)
  • New products and services to cater to customer needs such as Payment and Cash Management, Wally-E, Ijarah
  • Faster turnaround times through process improvements

Community & Environment

Taxes

Rs10.4 Bn

 

Rs 105 Bn

Disbursed to SME and microfinance customers

 

432

Entrepreneurship
development
programmes

 

1,083,819 kWh

Energy saved

Employee

Training per employee

39 Hrs

Employee benefits

Rs 8.7 Bn

  • Empowerment and equal opportunities
  • Career development and recognition

Regulator

Strengthen stability of the banking industry through prudent management and policies, fair banking practices and by ensuring compliance to regulations (LAR –24.2% CAR-15.3% against the regulator minimum of 20% and 10% respectively)



Analysis of Value Addition

Rs Bn

  • Value allocated to employees : 7.9

  • To providers of capital : 3.4

  • To Government : 9.5

  • To expansion and growth : 4.9

Rs Bn

  • Value allocated to employees : 8.7

  • To providers of capital : 3.5

  • To Government :10.4

  • To expansion and growth : 10.6