| USD | |
|---|---|
| TT-Clean | 119.0000 |
| TT-Selling | 119.0000 |
| OD-Sight: | 119.0000 |
| BC-Selling | 120.0000 |
| EURO | |
|---|---|
| OD-Sight: | 124.9280 |
| BC-Selling | 134.4872 |
| TT-Clean | 125.3600 |
| POUND | |
|---|---|
| OD-Sight: | 146.3269 |
| BC-Selling | 154.6432 |
| TT-Clean | 146.8357 |
| JPY | |
|---|---|
| BC-Selling | 0.8030 |
| TT-Clean | 0.7365 |
|
Figure in Million |
|||||
|
BALANCE SHEET METRIC |
2018 |
2017 |
2016 |
2015 |
2014 |
|
Authorized capital |
10,000 |
10,000 |
10,000 |
10,000 |
10,000 |
|
Paid up capital |
1,989 |
1,989 |
1,989 |
1989 |
1989 |
|
Shareholders' equity |
1,273 |
3,495 |
3,466 |
3,404 |
3,329 |
|
Deposits |
31,633 |
30,009 |
25,223 |
24,208 |
23,020 |
|
Borrowings |
334 |
180 |
7 |
203 |
25 |
|
Loans and advances |
22,148 |
19,284 |
16,634 |
16,059 |
15,742 |
|
Credit to deposit ratio (Gross) |
70.02% |
64.26% |
65.95% |
66.34% |
68.38% |
|
Credit to deposit ratio - Gross (excluding OBU loans) |
70.02% |
64.26% |
65.95% |
66.34% |
68.38% |
|
Investments |
4,972 |
4,731 |
4,223 |
4,106 |
3,728 |
|
Fixed Assets |
218 |
143 |
143 |
157 |
180 |
|
Interest bearing assets |
33,828 |
26,725 |
21,404 |
15,273 |
10,856 |
|
Total assets |
38,028 |
36,395 |
31,167 |
30,050 |
28,248 |
|
INCOME STATEMENT METRIC |
2018 |
2017 |
2016 |
2015 |
2014 |
|
Net interest income (excluding Investment Income) |
737 |
738 |
611 |
453 |
630 |
|
Non-interest income |
71 |
59 |
61 |
62 |
115 |
|
Investment Income |
302 |
328 |
331 |
280 |
303 |
|
Non Investment Income (Exchange, fees & charges) |
158 |
138 |
106 |
88 |
173 |
|
Operating Revenue |
1,267 |
1,253 |
1,109 |
883 |
1,221 |
|
Operating Profit (Profit before provision and tax) |
(284) |
302 |
216 |
8 |
342 |
|
Provision for loans, investment and other assets |
1,832 |
156 |
91 |
- |
221 |
|
Profit before tax |
(2,116) |
146 |
100 |
8 |
121 |
|
Profit after tax (PAT) |
(2,231) |
29 |
25 |
2 |
29 |
|
CAPITAL METRIC |
2018 |
2017 |
2016 |
2015 |
2014 |
|
Risk weighted assets (RWA) under Basel II |
38,791 |
30,204 |
26,719 |
26,197 |
24,284 |
|
Core capital (Tier 1) |
-2,707 |
797 |
338 |
1,047 |
1,236 |
|
Supplementary capital (Tier 2) |
148 |
127 |
122 |
136 |
176 |
|
Total Capital / Regulatory capital (Tier 1 and 2) |
-2,559 |
924 |
460 |
1,183 |
1,411 |
|
Statutory capital (Paid up capital and statutory reserve) |
2,264 |
2,264 |
2,234 |
2,210 |
2,208 |
|
Capital adequacy ratio (Regulatory capital/RWA) |
-6.60% |
3.06% |
1.72% |
4.52% |
5.81% |
|
Core capital (Tier 1) to RWA |
-6.98% |
2.64% |
1.27% |
4.00% |
5.09% |
|
RWA to total assets |
79.43% |
82.99% |
85.73% |
87.18% |
85.97% |
|
CREDIT QUALITY |
2018 |
2017 |
2016 |
2015 |
2014 |
|
Non performing/classified loans (NPLs) |
8,583 |
5,598 |
6,255 |
5,037 |
4,886 |
|
Specific Provision |
2,499 |
765 |
741 |
683 |
649 |
|
General Provision |
89 |
89 |
89 |
103 |
131 |
|
Total Provision |
2,588 |
854 |
830 |
786 |
780 |
| NPL to total loan and advance | 38,75% | 39,03% | 37.60% | 31,37% | 31,68% |
|
TRADE BUSINESS METRIC |
2018 |
2017 |
2016 |
2015 |
2014 |
|
Export |
6,174 |
2,284 |
2,629 |
2,302 |
3,340 |
|
Import (LC) |
5,034 |
4,719 |
3,846 |
2,843 |
4,503 |
|
Guarantee |
|
|
|
|
|
|
Remittance |
1,722 |
1,187 |
1,173 |
978 |
714 |
|
EFFICIENCY/PRODUCTIVITY RATIOS |
2018 |
2017 |
2016 |
2015 |
2014 |
|
Return on average equity (ROE) |
-175.26% |
0.83% |
0.72% |
0.06% |
0.87% |
|
Return on average assets (ROA) (PAT/average assets) |
-5.87% |
0.08% |
0.08% |
0.55% |
0.10% |
|
Cost to income ratio (Operating expense/Total Revenue) |
109.35% |
87.98% |
80.52% |
99.06% |
71.98% |
