Professional Documents
Culture Documents
Years 2006 (‘000) 2007 (‘000) 2008 (‘000) Years 2006 (‘000) 2007 (‘000) 2008 (‘000)
Total Equity 11,053,230 12,265,987 12,971,363 Total Equity 11,053,230 12,265,987 12,971,363
2 56
54
1.5 52
50
1
48
0.5 46
44
0
2006 2007 2008
2006 2007 2008
Years 2006 (‘000) 2007 (‘000) 2008 (‘000) Years 2006 (‘000) 2007 (‘000) 2008 (‘000)
Share 2,004,333 3,006,499 4,058,774
Share 2,004,333 3,006,499 4,058,774
holder’s
holder’s
Equity
Equity
Total Fixed 3,810,331 5,128,428 8,266,458
Total Assets 166,033,588 182,171,885 206,191,138
Assets
Results 1.20 1.65 1.96 Results 52.60 58.62 49.09
•
Credit Risk Ratios
Nonperforming assets to loans •ANNUAL PROVISION FOR LOAN LOSSES TO EQUITY CAPITAL
Years 2006 (‘000) 2007 (‘000) 2008 (‘000) Years 2006 (‘000) 2007 (‘000) 2008 (‘000)
0.1 0.7
0.6
0.08
0.5 Non-Performing Loans
0.06 0.4 to Advances
0.04 0.3 Provisions to Non-
0.2 Performing Loans
0.02
0.1
0 0
2006 2007 2008
CONCLUSION
• The year 2007 was a volatile year for the banking
sector in terms of profitability.
• The bank is either not very efficient at collecting
the outstanding loans or has a very liberal loans
distribution policy.
• bank may face considerable credit risk from its
loan defaulters.
• The liquidity of the bank has maintained a
consistent trend.
• The solvency of the company has been
successfully maintained over the year.