| Financial Ratios
|
| Indices
|
March 2013
|
March 2014
|
March 2015
|
| Capital Adequacy Ratios (%)
|
Capital Adequacy
|
21.47
|
18.85
|
19.84
|
| Equity to Assets
|
15.18
|
13.91
|
15.2
|
| Facilities Granted to Equity
|
4.03
|
4.33
|
4.23
|
| Deposits to Equity
|
5.28
|
5.81
|
5.27
|
| Liquidity (%)
|
Deposits to Assets
|
80.1
|
80.79
|
80.07
|
| Asset Equity(%)
|
Facilities Reserves to Total Facilities Granted
|
3.82
|
3.44
|
3.76
|
| Profitability Ratios
|
Return on Equity (ROE) %
|
31.72
|
32.11
|
21.07
|
| Return on Assets (ROA) %
|
5.11
|
4.65
|
3.08
|
| Earning Per Share (EPS) in IRR
|
441.6
|
522.3
|
301.02
|
| Dividend Per Share (DPS) in IRR
|
250
|
320
|
200
|
| Facilities Composition (%)
|
Facilities Granted to Total Deposits
|
76.37
|
74.47
|
80.37
|
| Facilities Granted to Total Assets
|
61.17
|
60.17
|
64.35
|
| Growth (%)
|
Assets Growth
|
33.94
|
26.99
|
17.75
|
| Deposits Growth
|
39.06
|
28.1
|
16.69
|
| Facilities Growth
|
27.28
|
25.4
|
25.52
|
| Total Income Growth
|
37.29
|
30.76
|
27.4
|
| Net Profit Growth
|
34.67
|
18.29
|
-19.31
|
| Liability Growth
|
37.4
|
28.89
|
15.99
|
| Efficiency Indices (Million IRR)
|
Per Capital Income
|
13,087
|
16,671
|
20,092
|
| Deposits to Human Capital
|
70,070
|
87,440
|
96,528
|
| Facilities Granted to Human Capital
|
53,514
|
65,119
|
77,574
|