Who We Are

Vision

To be the acknowledged leader
and chosen partner in providing financial
solutions through inspired people

Mission

Combining entrepreneurial spirit with empowered people and
leading edge technology to constantly exceed stakeholder
expectations

Our Values

  • Treasure professional and personal integrity at all times
  • Demonstrate mutual respect in all our interactions
  • Passionate about everything we do
  • Committed to being customer centric
  • Courage to change, challenge and be different
  • Demonstrate unity in diversity

Financial Highlights
& Financial Goals / Performance

Our performance
in 2016

The Bank surpassed its excellent
performance of the preceding year to record
another exceptional performance.

20.1

Billion33.9%

Profit Before Tax

595

Billion16.9%

Total Gross Loans

623

Billion18.3%

Total Deposits

Cost / Income

42.5%

Gross NPA

1.8%

ROE

19.9%

ROA

1.8%

Bank

Group

2016

2015

%

2016

2015

%

Rs Mn

Rs Mn

Change

Rs Mn

Rs Mn

Change

Results For the Year

Income

84,351

61,153

37.9

95,991

70,027

37.1

Net profit before income tax

20,146

15,050

33.9

22,499

16,160

39.2

Income tax on profits

6,002

4,601

30.5

6,834

5,064

34.9

Net profit after taxation

14,143

10,449

35.4

15,665

11,096

41.2

Gross dividends

3,517

3,451

1.9

3,517

3,451

1.9


At the Year End

Shareholders’ funds (Capital and Reserves)

77,017

65,051

18.4

91,291

75,564

20.8

Deposits from customers

623,495

527,126

18.3

635,371

536,133

18.5

Gross loans and receivables to customers

595,514

509,525

16.9

608,966

518,586

17.4

Total assets

858,874

725,208

18.4

901,451

757,585

19.0


Information per ordinary share

Earnings (Rs)

34.25

25.41

34.8

35.73

25.67

39.2

Dividends (Rs)

8.50

8.50

-

-

-

Dividend yield (%) - Voting

3.78

4.04

(6.4)

-

-

Dividend yield (%) - Non Voting

4.47

4.78

(6.4)

-

-

Net asset value (Rs)

186.11

160.29

16.1

220.61

186.20

18.5

Market value (Rs) - Voting

225.00

210.60

6.8

-

-

Market value (Rs) - Non voting

190.00

177.90

6.8

-

-


Ratios

Return on average shareholders’ funds (%)

19.91

16.59

17.69

14.71

Price earning (Times) - Voting

6.57

8.29

6.30

8.21

Price earning (Times) - Non Voting

5.55

7.00

5.32

6.93

Dividend cover (Times)

4.02

3.03

4.45

3.22


Capital Adequacy Ratios

Tier 1 (%) (Statutory minimum ratio required is 5%)

11.22

10.53

11.51

10.99

Total capital (%) (Statutory minimum ratio required is 10%)

15.27

12.70

15.37

13.11

Note: Information are based on LKASs/SLFRSs.

2012

2013

2014

2015

2016

Medium 
Term Goals

Key Performance Indicators

Return on Average Assets (%)

1.8

1.5

1.7

1.6

1.8

Over 1.8

Return on Average Shareholders' Funds (%)

17.8

14.3

16.0

16.6

19.9

Over 20.0

Cost / Net Income Ratio (Excl Financial VAT) (%)

53.0

46.0

47.4

45.9

42.5

Below 40.0

Dividend per Share (Rs)

8.50

8.50

8.50

8.50

8.50

Payout of 30%


Capital Adequacy (Bank)

Tier 1 Capital Ratio (%) (Statutory Minimum Ratio Required is 5%)

13.9

13.0

12.2

10.5

11.2

11.0

Total Capital Ratio (%) (Statutory Minimum Ratio Required is 10%)

16.6

16.5

14.8

12.7

15.3

15.5