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Figures in million except per share data
2008
2007
2006
2005
2004
Results of operations
Operating revenue
819.62
724.42
445.16
378.74
337.12
Operating expenses
531.07
522.46
319.23
275.80
259.94
Profit before tax
288.55
201.96
125.93
103.45
77.18
Net profit
286.05
196.96
103.43
95.95
72.18
 
Balance Sheet
Total investments
5,079.41
4,174.88
3,473.88
2,927.44
2,372.65
Total Deposits
2,177.79
2,124.82
1,480.68
1,217.82
1,010.44
Total liabilities
4,700.36
3,843.98
3,236.61
2,676.72
2,187.33
Statutory & other reserves
276.67
174.80
109.40
91.75
64.80
Paid-up capital
460.46
328.90
299.00
230.00
180.00
Capital employed 1
4,550.94
3,793.66
3,140.85
2,581.76
1,661.06
Shareholders' equity
921.31
635.26
498.10
390.75
284.40
           
Cash flow
Operating revenue
819.62
724.42
445.16
378.74
337.12
Operating expenses
531.07
522.46
319.23
275.80
259.94
Profit before tax
288.55
201.96
125.93
103.45
77.18
Ordinary shares information
Earning per share
62.12
59.89
33.99
48.79
40.10
Earning per share (restated) 2
62.12
42.78
22.46
20.84
15.68
Dividend
40B
40B
20, 10B
30B
20
Book value (end of period)
200.09
193.15
166.59
169.89
158.00
Ordinary shares outstanding (end of period)
4.60
3.29
2.99
2.30
1.80
Year end market price per share
1105.50
592.50
281.00
414.25
n/a
Market capitalization
5,088.08
1948.08
840.19
952.78
n/a
Market value addition per share
905.41
399.35
114.41
244.36
n/a
Financial ratios (%)
Return on average investment
6.18
5.15
3.23
3.62
3.65
Return on average assets
5.66
4.80
3.04
3.46
3.44
Return on average equity
36.75
34.76
23.27
28.42
29.07
Equity to assets
16.39
14.18
13.34
12.74
11.51
Efficiency ratio 3
17.10
19.54
24.05
15.95
18.43
Current ratio (times)
1.31
2.22
2.09
2.70
1.32
Price earnings ratio (times)
17.80
9.89
8.27
8.49
n/a
Deposit investment ratio
46.49
47.14
42.16
42.04
50.41
Debt equity ratio (times)
3.94
4.97
5.31
5.61
4.84
Coverage / reserve against NPL
64.10
68.72
48.37
54.89
52.61
Non performing assets to loans / leases 4
7.78
8.02
10.86
9.89
8.58
 
Others
No. of branches
3
2
2
2
2
Economic Value Added
243.26
167.67
37.60
76.42
118.76
Enterprise Value 5
8,337.31
4,877.64
3,315.60
3,074.82
n/a
 
 
1. Capital employed represents shareholders' equity and long-term borrowings
2. Adjusted to reflect the 40 percent bonus share declared in April 2007
3. Efficiency ratio represents management expenses as a percentage of net interest income (total interest
--- income minus financial expenses) plus non-interest income
4. Non-performing assets means all overdue rentals / installments past due in excess of 5 months plus
--- future outstanding principals not fallen due of those loans / leases
5. Represents market capitalization plus debt minus cash and cash equivalents