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Figures in million except per share data
2005
2004
2003
2002
2001
Results of operations
Operational income
378.74
337.12
219.52
129.82
70.72
Operational expenses
275.80
259.94
157.70
94.58
50.65
Profit from operation
102.94
77.18
61.82
35.24
20.07
Provision for doubtful losses
47.00
87.50
16.30
8.34
8.15
Provision for tax
7.50
5.00
23.00
-
-
Profit after tax
95.95
72.18
38.82
35.24
20.07
 
Balance Sheet
Total investments
2,679.00
2,202.17
1,480.58
949.03
515.32
Average investments
2,440.59
1,841.38
1,214.81
732.18
337.21
Provision for doubtful losses
169.80
122.80
35.30
19.00
10.66
Total liabilities
2,676.72
2,187.33
1,521.59
894.12
501.89
Shareholders' equity
390.75
284.40
212.22
143.40
123.16
Statutory reserve
52.46
33.27
18.83
11.06
4.02
Paid-up capital
230.00
180.00
150.00
100.00
100.00
 
Per share data and no. of shares
Earning per share
48.79
40.10
21.57
30.29
17.81
Dividend per share
30B
20.00
20B
20.00
15.00
Book value per share
169.89
158.00
141.48
143.40
123.16
Total shares outstanding (end of the period)
2.30
1.80
1.50
1.00
1.00
Weighted average shares outstanding
1.97
1.52
1.29
1.00
0.75
Total free float shares
0.5
 - - - -
Total shares under lock-in
1.8
 - - - -
 
Financial ratios
Return on average investment (%)
3.93
3.92
3.20
4.81
5.95
Return on average shareholders' equity (%)
28.42
29.07
21.83
26.44
22.78
Efficiency ratio (%) (1)
72.82
77.11
71.84
72.85
71.62
Operating expenses to average investment (%)
11.30
14.12
12.98
12.92
15.02
Dividend payout ratio (%)
61.49
49.88
92.72
66.03
84.22
Capital adequacy ratio (%) (2)
14.60
13.00
13.95
16.04
24.54
Debt equity ratio
6.85
7.69
7.17
6.24
4.08
Provision for doubtful losses to total investment (%)
6.34
5.58
2.38
2.00
2.07
1. Efficiency ratio is the percentage of operating expenses to operating income.
2. Capital adequacy ratio is the percentage of total capital to total liabilities (Minimum standard is 6%)

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