| USD | |
|---|---|
| OD-Sight: | 121.6000 |
| TT-Clean | 121.8000 |
| BC-Selling | 122.8000 |
| EURO | |
|---|---|
| OD-Sight: | 139.9180 |
| BC-Selling | 145.3361 |
| TT-Clean | 140.1503 |
| POUND | |
|---|---|
| OD-Sight: | 158.3631 |
| BC-Selling | 164.0107 |
| TT-Clean | 158.6274 |
| JPY | |
|---|---|
| OD-Sight: | 0.7721 |
| BC-Selling | 0.8398 |
| TT-Clean | 0.7734 |
|
Figure in Million |
|||||
|
BALANCE SHEET METRIC |
2012 |
2011 |
2010 |
2009 |
2008 |
|
Authorized capital |
10,000 |
10,000 |
10,000 |
2,000 |
2,000 |
|
Paid up capital |
1,989 |
1,989 |
1,989 |
920 |
920 |
|
Shareholders' equity |
2,328 |
2,217 |
2,146 |
1,018 |
1,020 |
|
Deposits |
15,611 |
13,877 |
12,188 |
7,605 |
6,787 |
|
Borrowings |
155 |
- |
1,000 |
- |
- |
|
Loans and advances |
12,250 |
11,334 |
8,266 |
6,256 |
5,786 |
|
Credit to deposit ratio (Gross) |
78.47% |
81.67% |
67.82% |
82.26% |
85.25% |
|
Credit to deposit ratio - Gross (excluding OBU loans) |
78.47% |
81.67% |
67.82% |
82.26% |
85.25% |
|
Investments |
2,796 |
1,953 |
1,472 |
710 |
645 |
|
Fixed Assets |
165 |
92 |
48 |
39 |
37 |
|
Interest bearing assets |
10,697 |
10,337 |
7,198 |
4,771 |
4,206 |
|
Total assets |
19,545 |
17,391 |
15,578 |
9,428 |
8,521 |
|
INCOME STATEMENT METRIC |
2012 |
2011 |
2010 |
2009 |
2008 |
|
Net interest income (excluding Investment Income) |
407 |
598 |
305 |
353 |
112 |
|
Non-interest income |
64 |
55 |
43 |
22 |
18 |
|
Investment Income |
319 |
115 |
179 |
72 |
49 |
|
Non Investment Income (Exchange, fees & charges) |
96 |
132 |
91 |
44 |
37 |
|
Operating Revenue |
886 |
900 |
618 |
491 |
216 |
|
Operating Profit (Profit before provision and tax) |
300 |
499 |
325 |
288 |
30 |
|
Provision for loans, investment and other assets |
123 |
275 |
163 |
136 |
- |
|
Profit before tax |
177 |
224 |
162 |
152 |
30 |
|
Profit after tax (PAT) |
101 |
69 |
63 |
42 |
27 |
|
CAPITAL METRIC |
2012 |
2011 |
2010 |
2009 |
2008 |
|
Risk weighted assets (RWA) under Basel II (Basel I for 2008). |
18,018 |
14,914 |
13,537 |
5,723 |
4,983 |
|
Core capital (Tier 1) |
1,744 |
1,984 |
1,793 |
1,003 |
954 |
|
Supplementary capital (Tier 2) |
136 |
135 |
103 |
79 |
65 |
|
Total Capital / Regulatory capital (Tier 1 and 2) |
1,880 |
2,119 |
1,896 |
1,082 |
1,019 |
|
Statutory capital (Paid up capital and statutory reserve) |
2,168 |
2,132 |
2,087 |
986 |
955 |
|
Capital adequacy ratio (Regulatory capital/RWA) [Basel II from 2009 & Basel I for 2008]-Solo Basis. |
10.43% |
14.21% |
14.01% |
18.91% |
20.45% |
|
Core capital (Tier 1) to RWA |
9.68% |
13.30% |
13.25% |
17.53% |
19.15% |
|
RWA to total assets [Basel II from 2009 & Basel I for 2008] |
92.19% |
85.76% |
86.90% |
60.70% |
58.48% |
|
CREDIT QUALITY |
2012 |
2011 |
2010 |
2009 |
2008 |
|
Non performing/classified loans (NPLs) |
1,553 |
997 |
1,068 |
1,485 |
1,580 |
|
Specific Provision |
438 |
460 |
367 |
279 |
- |
|
General Provision |
107 |
103 |
89 |
59 |
- |
|
NPL to total loans and advance |
12.87% |
9.56% |
13.18% |
23.74% |
27.30% |
|
TRADE BUSINESS METRIC |
2012 |
2011 |
2010 |
2009 |
2008 |
|
Export |
3058 |
2219 |
1200 |
1021 |
979 |
|
Import (LC) |
5426 |
7389 |
4404 |
3513 |
2277 |
|
Guarantee |
387 |
519 |
101 |
104 |
399 |
|
Remittance |
360 |
183 |
102 |
13 |
6 |
|
EFFICIENCY/PRODUCTIVITY RATIOS |
2012 |
2011 |
2010 |
2009 |
2008 |
|
Return on average equity (ROE) |
4.34% |
3.11% |
2.94% |
4.13% |
2.65% |
|
Return on average assets (ROA) (PAT/average assets) |
0.52% |
0.40% |
0.40% |
0.45% |
0.32% |
|
Cost to income ratio (Operating expense/Total Revenue) |
66.10% |
44.60% |
47.30% |
41.20% |
86.20% |
