SL Trading code

1 IDLC
IDLC
IDLC
IDLC
IDLC
2 LANKABAFIN
LANKABAFIN
LANKABAFIN
LANKABAFIN
LANKABAFIN
3 PRIMEFIN
PRIMEFIN
PRIMEFIN
PRIMEFIN
PRIMEFIN

Company Name

IDLC
IDLC
IDLC
IDLC
IDLC

Finance
Finance
Finance
Finance
Finance

Ltd.
Ltd.
Ltd.
Ltd.
Ltd.

Year
End

Year

31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec
31-Dec

2011
2012
2013
2014
2015
2011
2012
2013
2014
2015
2011
2012
2013
2014
2015

Cash

Balance with
other banks and
financial
institutions

417,453,356
565,594,055
744,490,114
728,913,992
891,869,744
118,809,589
162,721,707
194,402,709
337,547,216
516,273,295

2,133,007,415
3,275,459,753
7,111,427,413
7,256,039,490
12,543,322,538
2,022,806,796
1,514,003,636
2,350,845,060
1,903,881,535
1,427,389,298

59,568,740
204,192,495
117,897,644
121,900,663
172,553,778

544,717,347
781,230,612
500,200,526
577,851,754
1,313,109,080

Balance S
Money at call
and on short
notice
670,000,000
40,000,000

Fixed assets
Loans, advances
including
Total Investment
and lease
premises, furniture
and fixtures

Other assets

549,596,742
387,543,923
786,553,016
2,636,025,841
3,392,468,561
3,569,127,500
3,395,216,186
3,515,894,297
4,840,291,911
4,372,854,794

26,357,104,245
32,595,178,553
40,941,257,690
47,068,955,362
55,211,824,250
15,515,078,032
18,633,845,150
24,841,142,850
30,396,386,719
41,819,015,931

355,694,293
471,830,413
395,723,936
380,542,124
537,098,683
189,056,039
238,132,007
291,414,287
310,992,989
1,291,853,287

681,684,403
448,259,040
449,931,305
856,111,436
857,870,414
965,119,493
1,394,764,076
871,192,887
1,241,267,775
1,020,498,293

1,300,164,193
1,193,609,479
967,560,066
1,259,607,748
927,765,138

10,396,598,999
11,433,699,033
12,901,715,481
13,443,614,332
14,362,636,774

327,674,192
327,619,010
325,235,741
361,523,962
360,314,247

2,487,518,286
2,079,301,138
2,527,205,504
2,702,122,325
2,637,256,558

Balance Sheet
Non
Banking/non
financial
institutional
Assets

Non-Financial
assets held for
sale

Total Assets

Total Borrowing

Deposits

31,164,540,454
37,783,865,737
50,429,383,474
58,926,588,245
73,434,454,190
22,379,997,449
25,338,682,762
32,064,892,090
39,030,368,145
50,447,884,898

4,565,821,153
4,333,821,600
8,827,892,450
9,198,032,173
10,585,582,747
8,456,176,635
8,837,322,438
11,597,381,469
11,711,474,316
9,006,817,980

17,638,848,598
22,998,899,099
30,187,439,084
36,595,119,049
47,624,565,293
5,309,623,960
7,615,919,305
10,827,261,549
16,760,552,643
30,106,707,729

15,116,241,757
16,019,651,767
17,339,814,962
18,466,620,784
19,773,635,575

4,019,152,726
2,795,522,546
2,865,064,682
3,294,967,451
3,093,925,014

4,315,609,590
5,614,795,490
6,770,963,595
7,763,327,204
9,544,207,157

Income Statement

Total Liabilities

Paid-up Capital

Total S/h equity

Interest income

27,184,067,833
33,090,571,890
45,066,623,505
52,398,756,879
65,648,491,983
16,292,766,351
18,672,073,402
25,035,397,620
32,807,491,142
44,098,631,961

990,000,000
1,237,500,000
1,608,750,000
2,010,937,500
2,513,671,870
823,515,000
1,894,084,500
2,083,492,950
2,187,667,590
2,406,434,340

3,980,472,621
4,693,293,847
5,362,759,969
6,527,831,366
7,785,962,207
6,087,231,098
6,666,609,360
7,029,494,470
6,222,877,003
6,349,252,937

3,942,101,471
4,853,769,697
6,215,848,512
7,431,871,158
8,251,180,347
2,358,586,879
2,677,493,737
3,516,033,094
3,965,489,195
4,787,247,300

10,431,844,765
10,913,064,548
12,089,978,325
13,156,426,752
15,232,082,036

1,624,502,880
2,274,304,030
2,729,164,830
2,729,164,830
2,729,164,830

4,684,396,992
5,106,587,219
5,249,836,637
5,310,194,032
4,541,553,539

1,313,236,929
1,452,480,283
1,592,214,361
1,630,592,686
1,442,666,720

Income Statement
Interest paid on
Deposit &
Borrowings

Net Interest
Income

Investment
Income

Commission
Exchange &
Brokerage

Other Operating
income

2,364,389,738
3,102,879,252
4,137,607,275
4,543,097,395
4,833,191,104
1,396,568,663
2,147,517,286
2,730,923,423
3,032,890,469
3,714,884,740

1,577,711,733
1,750,890,445
2,078,241,237
2,888,773,763
3,417,989,243
962,018,216
529,976,451
785,109,671
932,598,726
1,072,362,560

(107,841,926)
57,894,350
53,480,772
48,365,964
372,098,181
152,147,796
175,431,383
747,945,881
198,763,111
436,307,012

462,752,097
336,660,324
289,756,436
359,076,106
356,949,912
763,978,226
479,758,258
477,642,305
677,064,510
562,067,448

227,252,920
257,794,715
341,034,612
361,507,263
440,864,639
135,618,442
204,745,402
207,214,972
258,701,186
450,938,098

1,006,608,135
1,327,489,669
1,367,146,301
1,282,453,862
1,396,679,672

306,628,794
124,990,614
225,068,060
348,138,824
45,987,048

491,119,530
170,315,422
142,279,733
246,018,685
(386,130)

190,966,083
110,334,181
98,813,643
74,654,238
61,441,038

249,442,571
235,982,836
316,301,597
151,341,316
58,997,084

Profit from
Total Operating
Merchant Bank
Income

Total Operating
Expenses

2,159,874,824
2,403,239,834
2,762,513,057
3,657,723,096
4,587,901,975
2,013,762,680
1,389,911,494
2,217,912,829
2,067,127,533
2,521,675,118
1,238,156,978
641,623,053
782,463,033
820,153,063
166,039,040

913,460,730
1,058,105,008
1,244,470,721
1,463,648,048
1,647,787,749
626,840,582
793,651,503
892,079,846
1,284,844,621
1,611,968,975
190,945,616
170,768,923
213,886,561
270,662,002
315,144,629

Non-operating
Income

Profit before
provision
1,246,414,094
1,345,134,826
1,518,042,336
2,194,075,048
2,940,114,226
1,386,922,098
596,259,991
1,325,832,983
782,282,912
909,706,143
1,047,211,362
470,854,130
568,576,472
549,491,061
(149,105,589)

Profit before tax

1,216,602,518
1,252,188,166
1,325,201,146
2,186,526,327
2,628,503,451
1,304,044,197
510,309,775
997,135,949
433,609,377
532,843,411
954,200,873
413,080,810
469,191,556
492,922,432
(419,656,448)

NPAT

500,282,954
712,821,226
669,466,122
1,245,508,897
1,459,224,581
859,059,881
348,018,182
954,552,560
453,986,869
420,928,514
772,812,543
300,190,227
370,679,822
469,732,120
(427,494,889)

Cash Flow from

Operating
Activities
15,422,855
425,573,188
1,949,883,278
(424,978,824)
5,180,050,037
(738,616,865)
(568,063,099)
(1,654,805,948)
1,410,468,159
2,965,936,804
15,067,883
181,481,628
221,850,010
725,802,554
986,736,975

Unclassified Loan

4,946,395,510
30,293,520,808
38,129,361,940
45,703,177,145
53,128,592,344
10,153,191,909
18,111,313,222
23,909,928,612
29,164,473,060
40,479,834,452
8,141,212,152
8,786,517,217
9,956,843,983
10,782,490,058
11,084,075,995

Notes
Classified Loan
(NPL)

General Provision

Specific
Provision
Maintained

593,804,072
645,161,450
2,811,895,750
1,365,778,217
2,083,231,906
925,612,000
522,531,928
931,214,238
1,231,913,659
1,339,181,479

261,792,583
314,480,897
309,553,401
369,113,353
433,526,520
61,548,000
154,402,121
205,981,235
270,271,713
356,551,924

865,930,903
533,562,454
710,920,673
843,205,615
1,146,459,026
536,575,176
187,367,202
410,999,353
479,912,128
526,281,216

564,067,026
964,835,255
822,114,573
670,741,542
1,259,320,377

87,461,708
125,991,607
116,702,556
140,182,877
189,875,129

227,932,819
269,434,893
230,697,444
51,133,555
224,706,415

Net NPL

(272,126,831)
111,598,996
2,100,975,077
522,572,602
936,772,880
389,036,824
335,164,726
520,214,885
752,001,531
812,900,263
336,134,207
695,400,362
591,417,129
619,607,987
1,034,613,962

SL Trading code Year

1 IDLC
IDLC
IDLC
IDLC
IDLC
2 LANKABAFIN
LANKABAFIN
LANKABAFIN
LANKABAFIN
LANKABAFIN
3 PRIMEFIN

2011
2012
2013
2014
2015

PRIMEFIN
PRIMEFIN
PRIMEFIN
PRIMEFIN

Operating
Net Profit Cost to Income
Profit
Margin
Ratio
Margin

ROE

ROA

2011

54.79%
49.51%
44.44%
49.22%
55.60%
85.38%
51.91%
63.08%
52.13%
52.67%
94.28%

21.16%
22.97%
16.18%
27.42%
30.19%
61.51%
16.21%
34.95%
14.97%
11.33%
76.77%

42.29%
44.03%
45.05%
40.02%
35.92%
31.13%
57.10%
40.22%
62.16%
63.92%
15.42%

12.57%
15.19%
12.48%
19.08%
18.74%
14.11%
5.22%
13.58%
7.30%
6.63%
16.50%

1.61%
1.89%
1.33%
2.11%
1.99%
3.84%
1.37%
2.98%
1.16%
0.83%
5.11%

2012
2013
2014
2015

44.17%
49.14%
50.30%
11.51%

22.61%
27.11%
36.63%
-30.61%

26.62%
27.34%
33.00%
189.80%

5.88%
7.06%
8.85%
-9.41%

1.87%
2.14%
2.54%
-2.16%

2011
2012
2013
2014
2015

ROI

Net NPL to Total

Deposit to
Loans and
Loan to Deposit
Debt to Equity
Total Assets
Advances

EPS

91.03%
183.93%
85.11%
47.25%
43.01%
24.07%
10.25%
27.15%
9.38%
9.63%
59.44%

-4.91%
0.36%
5.13%
1.11%
1.70%
3.51%
1.80%
2.09%
2.47%
1.94%
3.86%

149.43%
141.72%
135.62%
128.62%
115.93%
292.21%
244.67%
229.43%
181.36%
138.90%
240.91%

56.60%
60.87%
59.86%
62.10%
64.85%
23.72%
30.06%
33.77%
42.94%
59.68%
28.55%

682.94%
705.06%
840.36%
802.70%
843.16%
267.65%
280.08%
356.15%
527.21%
694.55%
222.69%

5.05
5.76
4.16
6.19
5.81
9.61
1.77
4.58
2.02
1.76
4.14

25.15%
38.31%
37.29%
-46.08%

7.13%
5.49%
5.41%
8.38%

203.64%
190.54%
173.17%
150.49%

35.05%
39.05%
42.04%
48.27%

213.71%
230.29%
247.76%
335.39%

1.04
1.1
1.59
-1.53

P/E Ratio
34.28
20.74
18.89
15.09
10.95
23.03
37.58
15.25
23.91
16.48

Operating Profit Margin

Formula
Total Operating Income/Interest Income

2011
54.79%

2012
49.51%

Operating Profit Margin

55.60%

54.79%
49.51%
44.44%

Operating Profit Margin

2011

49.22%

2012

2013
Year

2014

2015

Net Profit Margin

Formula
Net Income/Interest Income

2011
21.16%

2012
22.97%

Net Profit Margin

30.19%
27.42%

Net Profit Margin

21.16%

22.97%

16.18%

16.18%

2011

2012

2013
Year

2014

2015

Cost to Income Ratio

Formula
Total Operating Expense/Total Operating Income

2011
42.29%

2012
44.03%

Cost to Income
42.29%

44.03%

45.05%
40.02%

35.92%

Cost to Income

2011

2012

2013
Year

2014

2015

EPS

Formula
Net Income/Number of Share Outstanding

2011
5.05

2012
5.76

Earning per Share

6.19
5.76
5.05

5.81

Earning per Share

6.19
5.76

5.81

5.05
Earning per Share
4.16

2011

2012

2013
Year

2014

2015

Debt to Equity

Formula
Total Debt/Total Equity

2011
682.94%

2012
705.06%

Debt to Equity
840.36%

682.94%

802.70%

843.16

705.06%

Debt to Equity

2011

2012

2013
Year

2014

2015

Deposit to Total Assets

Formula
Total Deposit/Total Asset

2011
56.60%

2012
60.87%

Deposit to Total Asset

64.85%

62.10%
60.87%

Deposit to Total Asset

59.86%

56.60%

2011

2012

2013
Year

2014

2015

Loan to Deposit

Formula
Total Deposit/Total Asset

2011
149.43%

2012
141.72%

Loan to Deposit
149.43%

141.72%

135.62%

128.62%

115.93

Loan to Deposit

Loan to Deposit

2011

2012

2013
Year

2014

2015

Net NPL to Total Loans and Advances

Formula

2011
-4.91%

Net NPL/Total Loan

2012
0.36%

Non Performing Loan to Total Loan

5.13%

NPL to Total Loan

1.11%

1.70%

0.36%

2011

2012

2013

2014

2015

-4.91%

Year
ROE

Formula
Net Profit/Total Equity

2011
12.57%

2012
15.19%

Return on Equity
19.08%

18.74%

Return on Equity

Return on Equity
12.57%

2011

19.08%

18.74%

2014

2015

15.19%
12.48%

2012

2013
Year

ROA

Formula

2011
1.61%

Net Profit/Total Asset

2012
1.89%

Return on Asset
2.11%
1.89%

1.99%

1.61%

Return on Asset

2011

1.33%

2012

2013
Year

2014

2015

2011

2012

2013

2014

2015

Year
ROI

Formula
Net Profit/Total Investment

2011
91.03%

2012
183.93%

Return on Investment
183.93%

Return on Investment
91.03%

2011

85.11%

2012

2013
Year

47.25%

43.01%

2014

2015

2013
44.44%

2014
49.22%

2015
55.60%

Margin
55.60%
49.22%

2014

2015

2013
16.18%

2014
27.42%

rgin
30.19%
27.42%

2015
30.19%

2014

2015

2013
45.05%

2014
40.02%

2015
35.92%

me
40.02%
35.92%

2014

2015

2013
4.16

2014
6.19

hare
6.19

5.81

2015
5.81

hare
6.19

5.81

2014

2015

2013
840.36%

2014
802.70%

uity
802.70%

2014

843.16%

2015

2015
843.16%

2013
59.86%

2014
62.10%

2015
64.85%

Total Asset
64.85%

62.10%

2014

2015

2013
135.62%

2014
128.62%

posit
128.62%
115.93%

2015
115.93%

2014

2015

2013
5.13%

2014
1.11%

2015
1.70%

n to Total Loan

1.70%

1.11%

2014

2015

2013
12.48%

2014
19.08%

quity
19.08%

18.74%

2015
18.74%

quity
19.08%

18.74%

2014

2015

2013
1.33%

2014
2.11%

sset
2.11%

2014

1.99%

2015

2015
1.99%

2014

2015

2013
85.11%

2014
47.25%

vestment

47.25%

43.01%

2014

2015

2015
43.01%

Operating Profit Margin

Formula
Total Operating Income/Interest Income

85.38%

2011
85.38%

Operating Profit Margin

63.08%

Operating Profit Margin

51.91%

2011

2012
51.91%

2012

2013
Year

52.13%

52.67

2014

201

Net Profit Margin

Formula
Net Income/Interest Income

2011
61.51%

2012
16.21%

Net Profit Margin

61.51%

Net Profit Margin

34.95%

16.21%

14.97%

11.33

16.21%

2011

2012

14.97%

2013
Year

2014

11.33

201

Cost to Income Ratio

Formula
Total Operating Expense/Total Operating Income

2011
31.13%

2012
57.10%

Cost to Income Ratio

62.16%

63.92

57.10%

Cost to Income

40.22%

31.13%

2011

2012

2013
Year

2014

EPS

Formula
Net Income/Number of Share Outstanding

2011
9.61

2012
1.77

Earning per Share

9.61

Earning per Share

201

9.61

Earning per Share

4.58

1.77

2011

2012

2013
Year

2.02

1.7

2014

201

Debt to Equity

Formula
Total Debt/Total Equity

2011
267.65%

2012
280.08%

Debt to Equity

694.5

527.21%

Debt to Equity
356.15%
267.65%

280.08%

2011

2012

2013
Year

2014

Deposit to Total Assets

Formula
Total Deposit/Total Asset

2011
23.72%

2012
30.06%

201

Deposit to Total Asset

59.68

Deposit to Total Asset

42.94%

30.06%

33.77%

23.72%

2011

2012

2013
Year

2014

201

Loan to Deposit

Formula
Total Loan/Total Deposit

2011
292.21%

2012
244.67%

Loan to Deposit
292.21%
244.67%

Loan to Deposit

229.43%
181.36%

138.9

2011

2012

2013
Year

2014

201

2011

2012

2013
Year

2014

201

Net NPL to Total Loans and Advances

Formula

2011
3.51%

Net NPL/Total Loan

2012
1.80%

Non Performing Loan to Total Loan

3.51%

NPL to Total Loan

2.47%
2.09%

1.94

1.80%

2011

2012

2013
Year

2014

201

ROE

Formula

2011
14.11%

Net Profit/Total Equity

2012
5.22%

Return on Equity
14.11%

13.58%

Return on Equity
7.30%
5.22%

6.63

Return on Equity
7.30%

6.63

5.22%

2011

2012

2013
Year

2014

201

ROA

Formula

2011
3.84%

Net Profit/Total Asset

2012
1.37%

Return on Asset
3.84%

2.98%

Return on Asset

1.37%

1.16%

0.83

2011

2012

2013
Year

2014

ROI

Formula
Net Profit/Total Investment

2011
24.07%

2012
10.25%

Return on Investment
27.15%
24.07%

201

Return on Investment
27.15%
24.07%

Return on Investment

10.25%

2011

2012

2013
Year

9.38%

9.63

2014

201

2013
63.08%

2014
52.13%

2015
52.67%

Margin

52.13%

52.67%

2014

2015

2013
34.95%

2014
14.97%

rgin

14.97%

11.33%

2015
11.33%

14.97%

11.33%

2014

2015

2013
40.22%

2014
62.16%

2015
63.92%

Ratio
63.92%

62.16%

2014

hare

2015

2013
4.58

2014
2.02

2015
1.76

2.02

1.76

2014

2015

2013
356.15%

2014
527.21%

2015
694.55%

ity
694.55%

527.21%

2014

2015

2013
33.77%

2014
42.94%

2015
59.68%

l Asset
59.68%

42.94%

2014

2015

2013
229.43%

2014
181.36%

osit

181.36%
138.90%

2014

2015

2015
138.90%

2014

2015

2013
2.09%

2014
2.47%

2015
1.94%

to Total Loan

2.47%
1.94%

2014

2015

2013
13.58%

2014
7.30%

uity

7.30%

6.63%

2015
6.63%

7.30%

6.63%

2014

2015

2013
2.98%

2014
1.16%

2015
0.83%

sset

1.16%
0.83%

2014

2015

2013
27.15%

stment

2014
9.38%

2015
9.63%

stment

9.38%

9.63%

2014

2015

Operating Profit Margin

Formula
Total Operating Income/Interest Income

2011
94.28%

2012
44.17%

Operating Profit Margin

94.28%

Operating Profit Margin

44.17%

49.14%

50.30%

11.51

2011

2012

2013
Year

2014

201

Net Profit Margin

Formula
Net Income/Interest Income

2011
76.77%

2012
22.61%

Net Profit Margin

76.77%

Net Profit Margin

36.63%
22.61%

2011

2012

27.11%

2013

2014

201

-30.6

2011

2012

2013

2014

201

-30.6

Year
Cost to Income Ratio

Formula
Net Income/Interest Income

2011
0.00%

2012
0.00%

2013
49.14%

2014
50.30%

2015
11.51%

Margin

50.30%

11.51%

2014

2015

2013
27.11%

2014
36.63%

rgin

36.63%

2014

2015
-30.61%

2015
-30.61%

2014

2015
-30.61%

2013
0.00%

2014
0.00%

2015
0.00%