rpl;b ghq;f; vd;.v.> nfhok;g>,yq;if.

Transcription

1 rpl;b ghq;f; vd;.v.> nfhok;g>,yq;if. Rated AAA (lka) by Fitch Ratings Lanka Ltd. tukhdf;$w;wpd; RUf;fk; fhrg;gha;r;ry;fs; $w;w tpupthd tukhd mwpf;if Kjy; tiu Kjy; tiu tl;b tukhdk; 1,877,305 2,384,758 tl;br; nrytpdk; 555, ,157 Njwpa tl;b tukhdk; 1,322,051 1,804,601 fl;lzk; kw;wk; juf tukhdk; 550, ,203 fl;lzk; kw;wk; jufr; nrytpdk; 59,255 51,120 Njwpa fl;lzk; kw;wk; juf tukhdk; 491, ,083 Njwpa tl;b> fl;lzk; kw;wk; juf tukhdk; 1,813,711 2,282,684 Njwpa th;j;jfk; %ykhd tukhdk;/(nryt) 335, ,922 epjpapay; KjyPLfs; %ykhd Njwpa,yhgk;/(el;lk;) - 1,004 Vida njhopw;ghl;l tukhdk; (Njwpa) 485, ,683 nkhj;j njhopw;ghl;l tukhdk; 2,634,634 3,181,293 fopf;ff : fld;fs; kw;wk; Vida el;lq;fsf;fhd ngwkjp Fiwg;G (15,486 ) (99,486 ) Njwpa njhopw;ghl;l tukhdk; 2,650,120 3,280,779 fopf;ff: njhopw;ghl;l nrytpdq;fs; jdpg;gl;l nrytpdq;fs; 512, ,168 Vida nrytpdq;fs; 705, ,595 ngwkjp$l;lg;gl;l tupf;f Kd;duhd njhopw;ghl;l,yhgk;/(el;lk;) 1,432,756 2,114,016 fopf;ff: epjpapay; gzpfs; kpjhd ngwkjp$l;lg;gl;l tup 124, ,616 ngwkjp$l;lg;gl;l tupf;f gpd;duhd njhopw;ghl;l,yhgk;/(el;lk;) 1,307,877 1,835,400,izf; fk;gdpfs; kw;wk; $l;l Kaw;rpfspd;,yhgg; gq;f - - tupf;f Kd;duhd,yhgk;/(el;lk;) 1,307,877 1,835,400 fopf;ff : tupr; nrytpdq;fs; 333, ,708 Mz;bw;fhd,yhgk;/(el;lk;) 974,162 1,291,692 rhl;lj;jf;fj: jiyikf; fk;gdpapd; cupikahsu;fsf;f 974,162 1,291,692 fl;lg;ghl cupikaw;w gq;fjhuu;fs; ,162 1,291,692 gq;nfhd;wpd; rk;ghj;jpak; Kjy; tiu Kjy; tiu Mz;bw;fhd,yhgk;/(el;lk;) 974,162 1,291,692 tup epq;fyhd Vida tphpthd tukhdk; Fwpj;Jiuf;fg;gl;l md$yj; jpl;lq;fspd; kpjhd fhg;gpl;lf; fzpg;g Mjhak;/(,og;G) (27,578 ) (31,472 ) ; ; ; tpw;gidf;fupa epjpapay; nrhj;jf;fspd; epju khw;wq;fs; 55,153 40,439 ehza gupth;j;jid tpist 23,296 - tpwg; idff; f fpilff; f $ba epjpapay nrhjj; ff; SfF; khww; gg; ll; Njwpa njhif - (1,004 ) tup epq;fyhf> Mz;bw;fhd Vida tpupthd tukhdk; 50,871 7,963 Mz;bw;fhd nkhj;j tpupthd tukhdk; 1,025,033 1,299,655 gpd;tuntuf;fr; rhl;lj;jf;fj: jha; epwtdj;jpd; gq;fjhuu;fs; 1,025,033 1,299,655 fl;lg;gl;l cupikaw;w gq;fjhuu;fs; - - ; r; ; njhopw;ghl;l eltbf;iffspypue;jhd fhrg;gha;r;ry;fs; tl;b kw;wk; jufg;gz tukjpfs; 2,517,297 2,819,162 tl;b kw;wk; jufg;gz nfhlg;gdtfs; (624,002 ) (630,327 ) Vida nraw;ghl;l eltbf;iffspypue;j tukjp 538, ,886 Copah;fSf;fhd gzf; nfhlg;gdt (483,912 ) (494,112 ) Vida Nkyjpfr; nrytfs; (801,659 ) (906,200 ) nraw;ghl;lr; kw;wk; nghwg;gf;fspyhd khw;wj;jpw;f Kd; nraw;ghl;l,yhgk; 1,146,024 1,396,409 nraw;ghl;lr; nrhj;jf;fspd; (mjpfhpg;g)/tpo;r;rp Vida thbf;ifahsh;fs; kw;wk; tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; (188,074 ) 640,415 xoq;fglj;jy; Nehf;fj;jpw;fhf itj;jpuf;fk; itg;gf;fs; (99,243 ) 13,440 tq;fpapy;,lg;gl;ls;sit (4,395,749 ) 649,361 Vida 14,658 32,043 (4,668,409 ) 1,335,259 nraw;ghl;l nghwg;gf;fspd; mjpfhpg;g/(tpo;r;rp) thbf;ifahsh;fs; kw;wk; tq;fpfspd; itg;gf;fs; 5,862,571 2,010,515 Vida fld;gliffs; (1,096,972 ) 1,583,801 Vida 27,951 38,716 thpfsf;f Kd; nraw;ghl;l eltbf;iffs; %yk; cuthf;fg;gl;l/gpunahfpf;fg;gl;l epfu fhr 1,271,166 6,364,700 nryj;jg;gl;l tukhd thp (540,101 ) (589,341 ) nraw;ghl;l eltbf;iffs; %yk; cuthf;fg;gl;l/gpunahfpf;fg;gl;l epfu fhr 731,065 5,775,359 KjyPl;L eltbf;iffspy; gpunahfpf;fg;gl;l epfu fhr epjp KjyLP fspd tpwg; id> Kjphr; p kww; k nfhst; dt Kykhd epfu tukhdk; 860,541 (5,180,627 ) fhzp>,ae;jpu cgfuzq;fspd; nfhs;tdt (41,799 ) (42,056 ) fhzp>,ae;jpu cgfuzq;fspd; tpw;gid %ykhd tukhdk; 16, KjyPl;L eltbf;iffspy; gpunahfpf;fg;gl;l epfu fhr 834,920 (5,222,188 ) epjp eltbf;iffs; %ykhd fhrg;gha;r;ry;fs; gz khw;wj;jpd; tpist 23,296 40,401 jiyikf; fhupahyaj;jpw;f khw;wg;gl;l,yhgk; - (1,207,136 ) epjp eltbf;iffs; %yk; cuthf;fg;gl;l/ (gpunahfpf;fg;gl;l) epfu fhr 23,296 (1,166,735 ) fhr kw;wk; fhrf;fr; rkkhditfspd; epfu mjpfhpg;g/(tpo;r;rp) 1,589,281 (613,564 ) tul Muk;gj;jpy; fhr kw;wk; fhrf;fr; rkkhditfs; 1,803,454 2,417,018 tul,wjpapy; fhr kw;wk; fhrf;fr; rkkhditfs; 3,392,735 1,803,454 fhr kw;wk; fhrf;fr; rkkhditfspd;,zf;fg;ghl ifapys;s fhr 450, ,600 tq;fpfspys;s kpjpfs; 2,830,114 1,332,971 Nfhuypd; kw;wk; FWfpa mwptpj;jypd; Nghpy; ngwf;$b gzk; 111,936 47,883 3,392,735 1,803,454 epjpapay; epiyikfs; mwpf;if Nkyjpf jfty; - rpl;b FOkk; ,y; cs;sthuhdj ,y; cs;sthuhdj fhr kw;wk; fhrf;fr; rkkhditfs; 3,392,735 1,803,454 kj;jpa tq;fpfsldhd kpjpfs; 514, ,784 tq;fpfspys;s,ug;gf;fs; 7,021,260 2,625,511 ngwjp epjpapay; rhjdq;fs; 274, ,032 tpw;gidf;fhf itf;fg;gl;ls;s Vida epjpapay; 6,287,009 6,550,894 tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; 3,011,900 2,402,416 Vida thbf;ifahshfsf;fhd fld;fs; kw;wk; tukjpfs; 8,166,815 8,661,816 epjpapay; KjyPLfs; - tpw;gidf;f fpilf;fj;jf;fjhf cs;sit 5,140,248 5,377,651 Mjdk;> nghwpfs; kw;wk; cgfuzq;fs; 82,526 71,366 gpw;nghlg;gl;l thpr; 20,877 25,658 Vida 370, ,316 nkhj;jr; 34,282,754 28,818,898 tq;fpfsf;fr; nryj;jg;gl Ntz;bait 1,104,726 1,848,818 ngwjp epjpapay; rhjdq;fs; 218, ,967 Vida thbf;ifahshfsf;f nryj;jg;gl Ntz;bait 19,386,093 12,788,923 Vida fld;ghlfs; 2,163,165 3,260,137 elg;g thpg; 329, ,828 Copau; eyd;fs; 234, ,178 Vida 470, ,621 nkhj;jg; 23,907,295 19,468,472 gq;f %yjdk; $wg;gl;l %yjdk;/xjf;fg;gl;l %yjdk; 1,524,250 1,524,250 epajpr; rl;l xjf;f epjpak; 485, ,058 gpbj;j itf;fg;gl;l tutha;fs; 7,763,083 6,191,857 Vida xjf;fq;fs; 602,360 1,197,261 nkhj;j gq;f %yjdk; 10,375,459 9,350,426 nkhj;j gq;f %yjdk; kw;wk; 34,282,754 28,818,898 vjphghuh kw;wk; fld;ghlfs; 13,954,143 12,798,201 tpq;qhgd jfty;fs; CopaHfspd; vz;zpf;if fpisfspd; vz;zpf;if 1 1 (kpy;ypad; lhyh;fspy;> gq;f njhiffs; kw;wk; cs;sthuhf Fwpg;gplg;gl;Ls;sit jtpu) gd;dpuz;l khjq;fs;; (fzf;fha;t nra;ag;glhjj) gd;dpuz;l khjq;fs;; tl;br; nrytpdk; jtph;e;j nkhj;j tukhdk; (kpy;. m.nlhyh) $ 76,882 $ 76,419 fld ;,ogg; > md$yf ; nfhlgg; dt kww; k ; Nfhhpfi; ffsff; hd Vwg; hl 7,467 8,514 tukhd thpfsf;f Kd; njhlh;r;rpahd nraw;ghlfspypue;j tukhdk; 14,364 19,497 Rupees Thousands rpl;bf&g;gpd; epfu tukhdk; 7,313 13,673 gq;nfhd;wpw;fhd Ijhf;fpa rk;ghj;jpak; njhlh;r;rpahd nraw;ghlfs; %ykhd tukhdk; $ 2.21 $ 4.27 rpl;bf&g;gpd; epfu tukhdk; (,og;g) (kpy;. m.nlhyh) gq;ffs; (kpy;ypad;fspy;) ruhrhp mbg;gil 3, ,035.8 ruhrhp Ijhf;fpaJ 3, ,041.6 epjp tpfpjq;fs; 2014> 4Mk; fhyhz;lf;fupaj (fzf;fha;t nra;ag;glhjj) 2013> 4Mk; fhyhz;lf;fupaj nghj chpikg;gq;fpd; %ykhd tukhdk; 3.4% 7.0% Tier 1 %yjdg; nghj tpfpjk; 10.56% 10.11% Tier 1 %yjd tpfpjk; 11.45% 10.74% njupt nra;ag;gl;l nraw;ghl;l Fwpfhl;bfs; nkhj;j %yjd tpfpjk; 12.80% 12.08% fld;,og;gpw;fhd nkhj;j Vw;ghL nkhj;jf; fldpd; rjtpjj;jpy; 5.95% 5.43% Ie;njhifj; jut (gq;nfhd;wpd; Gj;jfg; ngwkjp jtpu gpy;ypad;fspy;) eilkiwf; fhyk; 31/12/2014,y; cs;sthuhdj Kd;idaf; fhyk; 31/12/2013,y; cs;sthuhdj xoq;fglj;jk; %yjd NghJik fu %yjdk; (gb 1 %yjdk;). kpy;ypad; 9,344 9,473 nkhj;j %yjdk;>. kpy;ypad; 9,386 9,516 fu %yjd NghJik tpfpjk;>,lh;neh;t epiwnaw;wg;gl;l nrhj;jf;fspd; % (Mff;Fiwe;j %yjd NghJik tpjk; 5%) 42.36% 33.86% nkhj;j %yjd NghJik tpfpjk;>,lh;neh;t epiwnaw;wg;gl;l nrhj;jf;fspd; % (Mff;Fiwe;j %yjd NghJik tpjk; 10%) 42.55% 34.02% nrhj;jf;fspd; juk; (fld;fspd; juk;) nkhj;j nraw;glh Kw;gzq;fs; tpjk; (epwj;jp itf;fg;gl;l tl;b epq;fyhf) 0.00% 0.00% Njwpa nraw;glh Kw;gzq;fs; tpjk;, (epwj;jp itf;fg;gl;l tl;b kw;wk; Vw;ghL vd;gtw;wpd; NjwpaJ) 0.00% 0.00%,yhg,aYik tl;b kpif % 4.29% 6.33% nrhj;jf;fspd; kpjhd tutha; % (thpf;f Kd;) 4.24% 6.44% chpik kpjhd tutha; % 9.82% 13.29% xoq;fglj;jk; jputj;jd;ik epajpr; rl;l jputr;nrhj;j> cs;ehl;l tq;fpj;njhopy; gphpt (&.kpy;) 17,744 11,837 epajpr; rl;l jputr;nrhj;j> ntspehl;l tq;fpj;njhopy; gphpt (&.kpy;) 43 2,453 epajpr; rl;l jputr;nrhj;j tpjk; (Mff;Fiwe;j jputr;nrhj;j tpjk; 20%) cs;ehl;l tq;fpj;njhopy; gphpt % 86.93% ntspehl;l tq;fpj;njhopy; gphpt % 70.62% nkhj;jr; $ 1,843 $ 1,880 nkhj;j itg;gf;fs; rpl;bf&g; gq;fjhuh;fspd; chpikg;gq;f gq;nfhd;wpd; nghjthd Gj;jfg; ngwkjp $ $ gq;nfhd;wpd; cwjpahd Gj;jfg; ngwkjp cwjpaiiu: fpno ifnahg;gkpl;buf;fk; nfhok;g> rpw;wp ghq;f; NAapd; gpujk epiwntw;w mjpfhhp kw;wk; gpujk epjp mjpfhhp Mfpa ehq;fs; $l;lhf gpd;tutdtw;iw cwjpg;glj;jfpd;nwhk;. (m) NkNy jug;gl;ls;s mwpf;iffs; kj;jpa tq;fpapdhy; tpghpf;fg;gl;l tbtikg;g kw;wk; tiutpyf;fzq;fsf;f mikthfnt jahhpf;fg;gl;ls;sd. (M),e;j mwpf;iffspys;s jfty;fs;> fzf;fha;t nra;ag;gl;lit vd;w Fwpg;gplg;glhtpl;lhy;> tq;fpapd; fzf;fha;t nra;ag;glhj fzf;ffspypue;j ngwg;gl;lit. xg;gk; xg;gk; utpd; g];ehaf;f mrq;f B rpy;th rpw;wp ehl;bd; mjpfhu; gpujk epjpapay; mjpfhup

2 rpl;b ghq;f; vd;.v.> nfhok;g>,yq;if. Rated AAA (lka) by Fitch Ratings Lanka Ltd. gq;f %yjdk; kw;wk;,ug;gf;fspy; khw;wk; gw;wpa mwpf;if xjf;f %yjdk;/epakpj;j %yjdk; thf;fupikas;s rhjhuz gq;ffs; thf;fupikaw;w rhjhuz gq;ffs; xjf;fg;gl;l %yjdk; rl;lupjpahd xjf;f epjpak; KjyPl;L epjpf; fzf;f gupkhw;wr; rkg;glj;jiff; fzf;f tpw;gidf;f cs;s xjf;fq;fs; gupkhw;wr; rkg;glj;jif xjf;fk; gpbj;jitj;j tutha;fs; nkhj;jk; fl;lg;glj;jhj cupik Total Equity 01/01/14,y; cs;sthwhd kpjp (Muk;g epyit)) - - 1,524, , ,350 5,170 53, ,749 6,191,857 9,350,426-9,350,426 fhyg;gfjpf;fhd nkhj;j midj;ijak; cs;slf;fpa tukhdk; fhyg;gfjpf;fhd,yhgk; / (el;lk;) , , ,162 Vida midj;ijak; cs;slf;fpa tukhdk; (Njwpa tup) ,153 - (27,578 ) 27,575-27,575 fhyg;gfjpf;fhd nkhj;j midj;ijak; cs;slf;fpa tukhdk; , ,584 1,001,737-1,001,737 gq;f itj;jpug;gth;fspd; gupth;j;jid> gq;f Neubahf mq;fpfhuk; jha;fk;gdpf;f khw;wg;gl;l,yhgk; fhyg;gfjpapy; xjf;fj;jpw;f khw;wpaj ,708 66, (114,893 ) fhyg;gfjpapy; xjf;fj;jpypue;j khw;wpaj (739,535 ) , ehza gupth;j;jid tpist ,296-23,296-23,296 gq;fjhuu;fsldhd nkhj;jg; gupth;j;jid ,708 (673,350 ) , ,642 23,296-23,296 31/12/14,y; cs;sthwhd kpjp (,Wjp epyit) - - 1,524, ,766-5, , ,045 7,763,083 10,375,459-10,375,459 epjpapay; rhjdq;fspd; mstpl;l mbg;gilapyhd gfg;gha;t epjpapay; $w;wf;fhd Fwpg;Gfs; elg;gf; fhyg;gfjp - 31 brk;gu; 2014 th;j;jfj;jpw;fhf re;ijg; ngwkjpapy; Kjph;tpw;fhf fld; jph;g;gdtr; tpw;gidf;f fhg;g nkhj;jk; itf;fg;gl;ls;sj epakpf;fg;gl;lit itf;fg;gl;ls;sit nryt cs;sit eilkiwf; fhyk; 31/12/2014,y; cs;sthwhdj Kd;idaf; fhyk; 31/12/2013,y; cs;sthwhdj ; ; ; ; fhr kw;wk; fhrf;f epfuhditfs; ,392, ,392,735 kj;jpa tq;fpaldhd kpjpfs; , ,027 tq;fpfsldhd,ug;gf;fs; ,021, ,021,260 ngwjp epjpapay; rhjdq;fs; 274, ,739 tpw;gidf;fupa Vida epjpapay; rhjdq;fs; 6,287, ,287,009 tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; ,011, ,011,900 Vida thbfi; fahsuf; Sff; hd fldf; s kww; k tukjpfs; ,166, ,166,815 epjpapay; KjyPLfs; ,140,248 5,140,248 nkhj;j epjpapay; 6,561, ,106,737 5,140,248-33,808,733 tq;fpfsf;fr; nryj;jg;gl Ntz;bait ,104, ,104,726 ngwjp epjpapay; rhjdq;fs; 218, ,594 Vida thbf;ifahsu;fsf;f nryj;j Ntz;bait ,386, ,386,093 Vida fld;ghlfs; ,163, ,163,165 nkhj;j epjpapay; 218, ,653, ,872,578 Kd;ida fhyg;gfjp - 31 brk;gh; 2013 th;j;jfj;jpw;fhf re;ijg; ngwkjpapy; Kjph;tpw;fhf fld; jph;g;gdtr; tpw;gidf;f fhg;g nkhj;jk; itf;fg;gl;ls;sj epakpf;fg;gl;lit itf;fg;gl;ls;sit nryt cs;sit fhr kw;wk; fhrf;f epfuhditfs; ,803, ,803,454 kj;jpa tq;fpaldhd kpjpfs; , ,784 tq;fpfsldhd,ug;gf;fs; ,625, ,625,511 ngwjp epjpapay; rhjdq;fs; 488, ,032,yhgk; my;yj el;lk; Clhf epaha kjpg;gpl;by; cs;s Vida epjpapay; 6,550, ,550,894 tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; ,402, ,402,416 Vida thbfi; fahsuf; Sff; hd fldf; s kww; k tukjpfs; ,661, ,661,816 epjpapay; KjyPLfs; - - 5,377,651-5,377,651 nkhj;j epjpapay; 7,038, ,907,981 5,377,651-28,324,558 tq;fpfsf;fr; nryj;jg;gl Ntz;bait ,848, ,848,818 ngwjp epjpapay; rhjdq;fs; 417, ,967 Vida thbf;ifahsu;fsf;f nryj;j Ntz;bait ,788, ,788,923 Vida fld;ghlfs; ,260, ,260,137 nkhj;j epjpapay; 417, ,897, ,315,845 1) Vida thbf;ifahsu;fsf;fhd fld;fsk; tukjpfsk; nkhj;j fld;fsk; tukjpfsk; 8,230,169 8,740,656 fop: jdpg;gl;l kjpg;gf; Fiwg;G $l;l kjpg;gf; Fiwg;G; (63,354 ) (78,840 ) Njwpa fld;fsk; tukjpfsk;,yhgk;/el;lj;jpd}lhf epahag;ngwkjpapy; Fwpg;gpl;lit 8,166,815 8,661,816 fop: Njwpa fld;fsk; tukjpfsk;,yhgk;/el;lj;jpd}lhfepahag;ngwkjpapy; Fwpg;gpl;lit - - Njwpa fld;fsk; tukjpfsk; 8,166,815 8,661,816 2) Vida thbf;ifahsu;fsf;fhd fld;fsk; tukjpfsk; - cw;gj;jpfshy; cw;gj;jpfshy; - cs;ehl;l ehzak; Nkyjpf tiugfs; 2,155,542 2,520,646 gj;jpuq;fs; / th;j;jf Mtzq;fs; 1, gzpahsh; fld;fs; 143, ,524 FWfpa fhy fld;fs; 3,182,279 3,334,260 cg njhif 5,482,648 6,009,601 cw;gj;jpfshy; - ntspehl;l ehzak; Nkyjpf tiugfs; 826,009 1,031,924 gj;jpuq;fs; / th;j;jf Mtzq;fs; ,357 FWfpa fhy fld;fs; 1,920,889 1,612,774 cg njhif 2,747,521 2,731,055 njhif 8,230,169 8,740,656 3) fhyg;gfjpf;fhd jdpg;gl;ll kw;wk; jpuz;l ngwkjp Fiwg;Gfspd; mirtfs; jdpg;gl;l ngwkjp Fiwg;G Muk;g epyit - -,yhgf; $w;wpy; tpjpf;fg;gl;lj/kps; vojg;gl;lj - - fhyg;gfjpapy; gjptopf;fg;gl;lit - - Vida,af;fq;fs; - -,Wjp epyit - - jpuz;l ngwkjp Fiwg;G Muk;g epyit 78, ,325,yhgf; $w;wpy; tpjpf;fg;gl;lj/kps; vojg;gl;lj (15,486 ) (99,485 ) Vida,af;fq;fs;,Wjp epyit 63,354 78,840 njhif 63,354 78,840 4) Vida thbf;ifahsu;fsf;fhd fld;fsk; tukjpfsk; - cw;gj;jpfshy; cw;gj;jpfshy; - cs;ehl;l ehzak; Nfs;tp itg;gf;fs; (eilkiwf; fzf;f) 4,698,032 3,642,943 Nrkpg;G itg;gf;fs; 3,020,389 2,431,712 jtiz itg;gf;fs; 4,028,829 3,450,612 Vida itg;gf;fs; 85, ,462 cg njhif 11,833,027 9,667,729 cw;gj;jpfshy; - ntspehl;l ehzak; Nfs;tp itg;gf;fs; (eilkiwf; fzf;f) 3,568, ,649 Nrkpg;G itg;gf;fs; 3,181,568 1,244,027 jtiz itg;gf;fs; 708, ,683 Vida itg;gf;fs; 94,085 92,835 cg njhif 7,553,066 3,121,194 njhif 19,386,093 12,788,923 Nuwan's D:\Duplicate Server\Statements\Citi Bank\12 Months Ended AUDITED 2014\Citi_Statement 12 Months Ended English AUDITED x 10??

3 tukhdf;$w;wpd; RUf;fk; Kjy; tiu Kjy; tiu tl;b tukhdk; 1,877,305 2,384,758 tl;br; nrytpdk; 555, ,157 Njwpa tl;b tukhdk; 1,322,051 1,804,601 fl;lzk; kw;wk; juf tukhdk; 550, ,203 fl;lzk; kw;wk; jufr; nrytpdk; 59,255 51,120 Njwpa fl;lzk; kw;wk; juf tukhdk; 491, ,083 Njwpa tl;b> fl;lzk; kw;wk; juf tukhdk; 1,813,711 2,282,684 Njwpa th;j;jfk; %ykhd tukhdk;/(nryt) 335, ,922 epjpapay; KjyPLfs; %ykhd Njwpa,yhgk;/(el;lk;) - 1,004 Vida njhopw;ghl;l tukhdk; (Njwpa) 485, ,683 nkhj;j njhopw;ghl;l tukhdk; 2,634,634 3,181,293 fopf;ff : fld;fs; kw;wk; Vida el;lq;fsf;fhd ngwkjp Fiwg;G (15,486 ) (99,486 ) Njwpa njhopw;ghl;l tukhdk; 2,650,120 3,280,779 fopf;ff: njhopw;ghl;l nrytpdq;fs; jdpg;gl;l nrytpdq;fs; 512, ,168 Vida nrytpdq;fs; 705, ,595 ngwkjp$l;lg;gl;l tupf;f Kd;duhd njhopw;ghl;l,yhgk;/(el;lk;) 1,432,756 2,114,016 fopf;ff: epjpapay; gzpfs; kpjhd ngwkjp$l;lg;gl;l tup 124, ,616 ngwkjp$l;lg;gl;l tupf;f gpd;duhd njhopw;ghl;l,yhgk;/(el;lk;) 1,307,877 1,835,400,izf; fk;gdpfs; kw;wk; $l;l Kaw;rpfspd;,yhgg; gq;f - - tupf;f Kd;duhd,yhgk;/(el;lk;) 1,307,877 1,835,400 fopf;ff : tupr; nrytpdq;fs; 333, ,708 Mz;bw;fhd,yhgk;/(el;lk;) 974,162 1,291,692 rhl;lj;jf;fj: jiyikf; fk;gdpapd; cupikahsu;fsf;f 974,162 1,291,692 fl;lg;ghl cupikaw;w gq;fjhuu;fs; ,162 1,291,692 gq;nfhd;wpd; rk;ghj;jpak; - - tpupthd tukhd mwpf;if Kjy; tiu Kjy; tiu Mz;bw;fhd,yhgk;/(el;lk;) 974,162 1,291,692 tup epq;fyhd Vida tphpthd tukhdk; Fwpj;Jiuf;fg;gl;l md$yj; jpl;lq;fspd; kpjhd fhg;gpl;lf; fzpg;g Mjhak;/(,og;G) (27,578 ) (31,472 ) ; ; ; tpw;gidf;fupa epjpapay; nrhj;jf;fspd; epju khw;wq;fs; 55,153 40,439 ehza gupth;j;jid tpist 23,296 - tpwg; idff; f fpilff; f $ba epjpapay nrhjj; ff; SfF; khww; gg; ll; Njwpa njhif - (1,004 ) tup epq;fyhf> Mz;bw;fhd Vida tpupthd tukhdk; 50,871 7,963 Mz;bw;fhd nkhj;j tpupthd tukhdk; 1,025,033 1,299,655 gpd;tuntuf;fr; rhl;lj;jf;fj: jha; epwtdj;jpd; gq;fjhuu;fs; 1,025,033 1,299,655 fl;lg;gl;l cupikaw;w gq;fjhuu;fs; - -

4 epjpapay; epiyikfs; mwpf;if ,y; cs;sthuhdj ,y; cs;sthuhdj fhr kw;wk; fhrf;fr; rkkhditfs; 3,392,735 1,803,454 kj;jpa tq;fpfsldhd kpjpfs; 514, ,784 tq;fpfspys;s,ug;gf;fs; 7,021,260 2,625,511 ngwjp epjpapay; rhjdq;fs; 274, ,032 tpw;gidf;fhf itf;fg;gl;ls;s Vida epjpapay; 6,287,009 6,550,894 tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; 3,011,900 2,402,416 Vida thbf;ifahshfsf;fhd fld;fs; kw;wk; tukjpfs; 8,166,815 8,661,816 epjpapay; KjyPLfs; - tpw;gidf;f fpilf;fj;jf;fjhf cs;sit 5,140,248 5,377,651 Mjdk;> nghwpfs; kw;wk; cgfuzq;fs; 82,526 71,366 gpw;nghlg;gl;l thpr; 20,877 25,658 Vida 370, ,316 nkhj;jr; 34,282,754 28,818,898 tq;fpfsf;fr; nryj;jg;gl Ntz;bait 1,104,726 1,848,818 ngwjp epjpapay; rhjdq;fs; 218, ,967 Vida thbf;ifahshfsf;f nryj;jg;gl Ntz;bait 19,386,093 12,788,923 Vida fld;ghlfs; 2,163,165 3,260,137 elg;g thpg; 329, ,828 Copau; eyd;fs; 234, ,178 Vida 470, ,621 nkhj;jg; 23,907,295 19,468,472 gq;f %yjdk; $wg;gl;l %yjdk;/xjf;fg;gl;l %yjdk; 1,524,250 1,524,250 epajpr; rl;l xjf;f epjpak; 485, ,058 gpbj;j itf;fg;gl;l tutha;fs; 7,763,083 6,191,857 Vida xjf;fq;fs; 602,360 1,197,261 nkhj;j gq;f %yjdk; 10,375,459 9,350,426 nkhj;j gq;f %yjdk; kw;wk; 34,282,754 28,818,898 vjphghuh kw;wk; fld;ghlfs; 13,954,143 12,798,201 tpq;qhgd jfty;fs; CopaHfspd; vz;zpf;if fpisfspd; vz;zpf;if 1 1

5 gq;f %yjdk; kw;wk;,ug;gf;fspy; khw;wk; gw;wpa mwpf;if xjf;f %yjdk;/epakpj;j %yjdk; thf;fupikas;s rhjhuz gq;ffs; thf;fupikaw;w rhjhuz gq;ffs; xjf;fg;gl;l %yjdk; rl;lupjpahd xjf;f epjpak; KjyPl;L epjpf; fzf;f gupkhw;wr; rkg;glj;jiff; fzf;f tpw;gidf;f cs;s xjf;fq;fs; gupkhw;wr; rkg;glj;jif xjf;fk; gpbj;jitj;j tutha;fs; nkhj;jk; fl;lg;glj;jhj cupik Total Equity 01/01/14,y; cs;sthwhd kpjp (Muk;g epyit)) - - 1,524, , ,350 5,170 53, ,749 6,191,857 9,350,426-9,350,426 fhyg;gfjpf;fhd nkhj;j midj;ijak; cs;slf;fpa tukhdk; fhyg;gfjpf;fhd,yhgk; / (el;lk;) , , ,162 Vida midj;ijak; cs;slf;fpa tukhdk; (Njwpa tup) ,153 - (27,578 ) 27,575-27,575 fhyg;gfjpf;fhd nkhj;j midj;ijak; cs;slf;fpa tukhdk; , ,584 1,001,737-1,001,737 gq;f itj;jpug;gth;fspd; gupth;j;jid> gq;f Neubahf mq;fpfhuk; jha;fk;gdpf;f khw;wg;gl;l,yhgk; fhyg;gfjpapy; xjf;fj;jpw;f khw;wpaj ,708 66, (114,893 ) fhyg;gfjpapy; xjf;fj;jpypue;j khw;wpaj (739,535 ) , ehza gupth;j;jid tpist ,296-23,296-23,296 gq;fjhuu;fsldhd nkhj;jg; gupth;j;jid ,708 (673,350 ) , ,642 23,296-23,296 31/12/14,y; cs;sthwhd kpjp (,Wjp epyit) - - 1,524, ,766-5, , ,045 7,763,083 10,375,459-10,375,459

6 fhrg;gha;r;ry;fs; $w;w njhopw;ghl;l eltbf;iffspypue;jhd fhrg;gha;r;ry;fs; tl;b kw;wk; jufg;gz tukjpfs; 2,517,297 2,819,162 tl;b kw;wk; jufg;gz nfhlg;gdtfs; (624,002 ) (630,327 ) Vida nraw;ghl;l eltbf;iffspypue;j tukjp 538, ,886 Copah;fSf;fhd gzf; nfhlg;gdt (483,912 ) (494,112 ) Vida Nkyjpfr; nrytfs; (801,659 ) (906,200 ) nraw;ghl;lr; kw;wk; nghwg;gf;fspyhd khw;wj;jpw;f Kd; nraw;ghl;l,yhgk; 1,146,024 1,396,409 nraw;ghl;lr; nrhj;jf;fspd; (mjpfhpg;g)/tpo;r;rp Vida thbf;ifahsh;fs; kw;wk; tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; (188,074 ) 640,415 xoq;fglj;jy; Nehf;fj;jpw;fhf itj;jpuf;fk; itg;gf;fs; (99,243 ) 13,440 tq;fpapy;,lg;gl;ls;sit (4,395,749 ) 649,361 Vida 14,658 32,043 (4,668,409 ) 1,335,259 nraw;ghl;l nghwg;gf;fspd; mjpfhpg;g/(tpo;r;rp) thbf;ifahsh;fs; kw;wk; tq;fpfspd; itg;gf;fs; 5,862,571 2,010,515 Vida fld;gliffs; (1,096,972 ) 1,583,801 Vida 27,951 38,716 thpfsf;f Kd; nraw;ghl;l eltbf;iffs; %yk; cuthf;fg;gl;l/gpunahfpf;fg;gl;l epfu fhr 1,271,166 6,364,700 nryj;jg;gl;l tukhd thp (540,101 ) (589,341 ) nraw;ghl;l eltbf;iffs; %yk; cuthf;fg;gl;l/gpunahfpf;fg;gl;l epfu fhr 731,065 5,775,359 KjyPl;L eltbf;iffspy; gpunahfpf;fg;gl;l epfu fhr epjp KjyLP fspd tpwg; id> Kjphr; p kww; k nfhst; dt Kykhd epfu tukhdk; 860,541 (5,180,627 ) fhzp>,ae;jpu cgfuzq;fspd; nfhs;tdt (41,799 ) (42,056 ) fhzp>,ae;jpu cgfuzq;fspd; tpw;gid %ykhd tukhdk; 16, KjyPl;L eltbf;iffspy; gpunahfpf;fg;gl;l epfu fhr 834,920 (5,222,188 ) epjp eltbf;iffs; %ykhd fhrg;gha;r;ry;fs; gz khw;wj;jpd; tpist 23,296 40,401 jiyikf; fhupahyaj;jpw;f khw;wg;gl;l,yhgk; - (1,207,136 ) epjp eltbf;iffs; %yk; cuthf;fg;gl;l/ (gpunahfpf;fg;gl;l) epfu fhr 23,296 (1,166,735 ) fhr kw;wk; fhrf;fr; rkkhditfspd; epfu mjpfhpg;g/(tpo;r;rp) 1,589,281 (613,564 ) tul Muk;gj;jpy; fhr kw;wk; fhrf;fr; rkkhditfs; 1,803,454 2,417,018 tul,wjpapy; fhr kw;wk; fhrf;fr; rkkhditfs; 3,392,735 1,803,454 fhr kw;wk; fhrf;fr; rkkhditfspd;,zf;fg;ghl ifapys;s fhr 450, ,600 tq;fpfspys;s kpjpfs; 2,830,114 1,332,971 Nfhuypd; kw;wk; FWfpa mwptpj;jypd; Nghpy; ngwf;$b gzk; 111,936 47,883 3,392,735 1,803,454

7 Nkyjpf jfty; - rpl;b FOkk; (kpy;ypad; lhyh;fspy;> gq;f njhiffs; kw;wk; cs;sthuhf Fwpg;gplg;gl;Ls;sit jtpu) gd;dpuz;l khjq;fs;; (fzf;fha;t nra;ag;glhjj) gd;dpuz;l khjq;fs;; ; ; ; tl;br; nrytpdk; jtph;e;j nkhj;j tukhdk; (kpy;. m.nlhyh) $ 76,882 $ 76,419 fld,ogg; > md$yf nfhlgg; dt kww; k Nfhhpfi; ffsff; hd Vwg; hl 7,467 8,514 tukhd thpfsf;f Kd; njhlh;r;rpahd nraw;ghlfspypue;j tukhdk; 14,364 19,497 Rupees rpl;bf&g;gpd; epfu tukhdk; Thousands 7,313 13,673 gq;nfhd;wpw;fhd Ijhf;fpa rk;ghj;jpak; njhlh;r;rpahd nraw;ghlfs; %ykhd tukhdk; $ 2.21 $ 4.27 rpl;bf&g;gpd; epfu tukhdk; (,og;g) (kpy;. m.nlhyh) gq;ffs; (kpy;ypad;fspy;) ruhrhp mbg;gil 3, ,035.8 ruhrhp Ijhf;fpaJ 3, , > 4Mk; fhyhz;lf;fupaj (fzf;fha;t nra;ag;glhjj) 2013> 4Mk; fhyhz;lf;fupaj epjp tpfpjq;fs; nghj chpikg;gq;fpd; %ykhd tukhdk; 3.4% 7.0% Tier 1 %yjdg; nghj tpfpjk; 10.56% 10.11% Tier 1 %yjd tpfpjk; 11.45% 10.74% nkhj;j %yjd tpfpjk; 12.80% 12.08% fld;,og;gpw;fhd nkhj;j Vw;ghL nkhj;jf; fldpd; rjtpjj;jpy; 5.95% 5.43% Ie;njhifj; jut (gq;nfhd;wpd; Gj;jfg; ngwkjp jtpu gpy;ypad;fspy;) nkhj;jr; $ 1,843 $ 1,880 nkhj;j itg;gf;fs; rpl;bf&g; gq;fjhuh;fspd; chpikg;gq;f gq;nfhd;wpd; nghjthd Gj;jfg; ngwkjp $ $ gq;nfhd;wpd; cwjpahd Gj;jfg; ngwkjp cwjpaiiu: fpno ifnahg;gkpl;buf;fk; nfhok;g> rpw;wp ghq;f; NAapd; gpujk epiwntw;w mjpfhhp kw;wk; gpujk epjp mjpfhhp Mfpa ehq;fs; $l;lhf gpd;tutdtw;iw cwjpg;glj;jfpd;nwhk;. (m) NkNy jug;gl;ls;s mwpf;iffs; kj;jpa tq;fpapdhy; tpghpf;fg;gl;l tbtikg;g kw;wk; tiutpyf;fzq;fsf;f mikthfnt jahhpf;fg;gl;ls;sd. (M),e;j mwpf;iffspys;s jfty;fs;> fzf;fha;t nra;ag;gl;lit vd;w Fwpg;gplg;glhtpl;lhy;> tq;fpapd; fzf;fha;t nra;ag;glhj fzf;ffspypue;j ngwg;gl;lit. xg;gk; xg;gk; utpd; g];ehaf;f mrq;f B rpy;th rpw;wp ehl;bd; mjpfhu; gpujk epjpapay; mjpfhup

8 epjpapay; rhjdq;fspd; mstpl;l mbg;gilapyhd gfg;gha;t elg;gf; fhyg;gfjp - 31 brk;gu; 2014 th;j;jfj;jpw;fhf re;ijg; ngwkjpapy; Kjph;tpw;fhf fld; jph;g;gdtr; tpw;gidf;f fhg;g nkhj;jk; itf;fg;gl;ls;sj epakpf;fg;gl;lit itf;fg;gl;ls;sit nryt cs;sit fhr kw;wk; fhrf;f epfuhditfs; ,392, ,392,735 kj;jpa tq;fpaldhd kpjpfs; , ,027 tq;fpfsldhd,ug;gf;fs; ,021, ,021,260 ngwjp epjpapay; rhjdq;fs; 274, ,739 tpw;gidf;fupa Vida epjpapay; rhjdq;fs; 6,287, ,287,009 tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; ,011, ,011,900 Vida thbfi; fahsuf; Sff; hd fldf; s kww; k tukjpfs; ,166, ,166,815 epjpapay; KjyPLfs; ,140,248 5,140,248 nkhj;j epjpapay; 6,561, ,106,737 5,140,248-33,808,733 tq;fpfsf;fr; nryj;jg;gl Ntz;bait ,104, ,104,726 ngwjp epjpapay; rhjdq;fs; 218, ,594 Vida thbf;ifahsu;fsf;f nryj;j Ntz;bait ,386, ,386,093 Vida fld;ghlfs; ,163, ,163,165 nkhj;j epjpapay; 218, ,653, ,872,578 Kd;ida fhyg;gfjp - 31 brk;gh; 2013 th;j;jfj;jpw;fhf re;ijg; ngwkjpapy; Kjph;tpw;fhf fld; jph;g;gdtr; tpw;gidf;f fhg;g nkhj;jk; itf;fg;gl;ls;sj epakpf;fg;gl;lit itf;fg;gl;ls;sit nryt cs;sit fhr kw;wk; fhrf;f epfuhditfs; ,803, ,803,454 kj;jpa tq;fpaldhd kpjpfs; , ,784 tq;fpfsldhd,ug;gf;fs; ,625, ,625,511 ngwjp epjpapay; rhjdq;fs; 488, ,032,yhgk; my;yj el;lk; Clhf epaha kjpg;gpl;by; cs;s Vida epjpapay; 6,550, ,550,894 tq;fpfsf;fhd fld;fs; kw;wk; tukjpfs; ,402, ,402,416 Vida thbfi; fahsuf; Sff; hd fldf; s kww; k tukjpfs; ,661, ,661,816 epjpapay; KjyPLfs; - - 5,377,651-5,377,651 nkhj;j epjpapay; 7,038, ,907,981 5,377,651-28,324,558 tq;fpfsf;fr; nryj;jg;gl Ntz;bait ,848, ,848,818 ngwjp epjpapay; rhjdq;fs; 417, ,967 Vida thbf;ifahsu;fsf;f nryj;j Ntz;bait ,788, ,788,923 Vida fld;ghlfs; ,260, ,260,137 nkhj;j epjpapay; 417, ,897, ,315,845

9 njupt nra;ag;gl;l nraw;ghl;l Fwpfhl;bfs; eilkiwf; fhyk; 31/12/2014,y; cs;sthuhdj Kd;idaf; fhyk; 31/12/2013,y; cs;sthuhdj xoq;fglj;jk; %yjd NghJik fu %yjdk; (gb 1 %yjdk;). kpy;ypad; 9,344 9,473 nkhj;j %yjdk;>. kpy;ypad; 9,386 9,516 fu %yjd NghJik tpfpjk;>,lh;neh;t epiwnaw;wg;gl;l nrhj;jf;fspd; % (Mff;Fiwe;j %yjd NghJik tpjk; 5%) 42.36% 33.86% nkhj;j %yjd NghJik tpfpjk;>,lh;neh;t epiwnaw;wg;gl;l nrhj;jf;fspd; % (Mff;Fiwe;j %yjd NghJik tpjk; 10%) 42.55% 34.02% nrhj;jf;fspd; juk; (fld;fspd; juk;) nkhj;j nraw;glh Kw;gzq;fs; tpjk; (epwj;jp itf;fg;gl;l tl;b epq;fyhf) 0.00% 0.00% Njwpa nraw;glh Kw;gzq;fs; tpjk;, (epwj;jp itf;fg;gl;l tl;b kw;wk; Vw;ghL vd;gtw;wpd; NjwpaJ) 0.00% 0.00%,yhg,aYik tl;b kpif % 4.29% 6.33% nrhj;jf;fspd; kpjhd tutha; % (thpf;f Kd;) 4.24% 6.44% chpik kpjhd tutha; % 9.82% 13.29% xoq;fglj;jk; jputj;jd;ik epajpr; rl;l jputr;nrhj;j> cs;ehl;l tq;fpj;njhopy; gphpt (&.kpy;) 17,744 11,837 epajpr; rl;l jputr;nrhj;j> ntspehl;l tq;fpj;njhopy; gphpt (&.kpy;) 43 2,453 epajpr; rl;l jputr;nrhj;j tpjk; (Mff;Fiwe;j jputr;nrhj;j tpjk; 20%) cs;ehl;l tq;fpj;njhopy; gphpt % 86.93% ntspehl;l tq;fpj;njhopy; gphpt % 70.62%

10 epjpapay; $w;wf;fhd Fwpg;Gfs; eilkiwf; fhyk; 31/12/2014,y; cs;sthwhdj Kd;idaf; fhyk; 31/12/2013,y; cs;sthwhdj 1) Vida thbf;ifahsu;fsf;fhd fld;fsk; tukjpfsk; nkhj;j fld;fsk; tukjpfsk; 8,230,169 8,740,656 fop: jdpg;gl;l kjpg;gf; Fiwg;G $l;l kjpg;gf; Fiwg;G; (63,354 ) (78,840 ) Njwpa fld;fsk; tukjpfsk;,yhgk;/el;lj;jpd}lhf epahag;ngwkjpapy; Fwpg;gpl;lit 8,166,815 8,661,816 fop: Njwpa fld;fsk; tukjpfsk;,yhgk;/el;lj;jpd}lhfepahag;ngwkjpapy; Fwpg;gpl;lit - - Njwpa fld;fsk; tukjpfsk; 8,166,815 8,661,816 2) Vida thbf;ifahsu;fsf;fhd fld;fsk; tukjpfsk; - cw;gj;jpfshy; cw;gj;jpfshy; - cs;ehl;l ehzak; Nkyjpf tiugfs; 2,155,542 2,520,646 gj;jpuq;fs; / th;j;jf Mtzq;fs; 1, gzpahsh; fld;fs; 143, ,524 FWfpa fhy fld;fs; 3,182,279 3,334,260 cg njhif 5,482,648 6,009,601 cw;gj;jpfshy; - ntspehl;l ehzak; Nkyjpf tiugfs; 826,009 1,031,924 gj;jpuq;fs; / th;j;jf Mtzq;fs; ,357 FWfpa fhy fld;fs; 1,920,889 1,612,774 cg njhif 2,747,521 2,731,055 njhif 8,230,169 8,740,656 3) fhyg;gfjpf;fhd jdpg;gl;ll kw;wk; jpuz;l ngwkjp Fiwg;Gfspd; mirtfs; jdpg;gl;l ngwkjp Fiwg;G Muk;g epyit - -,yhgf; $w;wpy; tpjpf;fg;gl;lj/kps; vojg;gl;lj - - fhyg;gfjpapy; gjptopf;fg;gl;lit - - Vida,af;fq;fs; - -,Wjp epyit - - jpuz;l ngwkjp Fiwg;G Muk;g epyit 78, ,325,yhgf; $w;wpy; tpjpf;fg;gl;lj/kps; vojg;gl;lj (15,486 ) (99,485 ) Vida,af;fq;fs;,Wjp epyit 63,354 78,840 njhif 63,354 78,840 4) Vida thbf;ifahsu;fsf;fhd fld;fsk; tukjpfsk; - cw;gj;jpfshy; cw;gj;jpfshy; - cs;ehl;l ehzak; Nfs;tp itg;gf;fs; (eilkiwf; fzf;f) 4,698,032 3,642,943 Nrkpg;G itg;gf;fs; 3,020,389 2,431,712 jtiz itg;gf;fs; 4,028,829 3,450,612 Vida itg;gf;fs; 85, ,462 cg njhif 11,833,027 9,667,729 cw;gj;jpfshy; - ntspehl;l ehzak; Nfs;tp itg;gf;fs; (eilkiwf; fzf;f) 3,568, ,649 Nrkpg;G itg;gf;fs; 3,181,568 1,244,027 jtiz itg;gf;fs; 708, ,683 Vida itg;gf;fs; 94,085 92,835 cg njhif 7,553,066 3,121,194 njhif 19,386,093 12,788,923