Professional Documents
Culture Documents
Period End Date 31-03-2013 31-03-2014 31-03-2015 31-03-2016 31-03-2017 31-03-2018 31-03-2019 31-03-2020
Period Length 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months
Statement Date 31-03-2014 31-03-2014 31-03-2015 31-03-2016 31-03-2018 31-03-2018 31-03-2019 31-03-2020
Update Type Original Original Original Original Reclassification Original Original Original
Standardized Currency INR INR INR INR INR INR INR INR
Reporting Currency INR INR INR INR INR INR INR INR
Reporting Unit Thousands Thousands Thousands Thousands Thousands Thousands Thousands Thousands
Source IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS
Source Date 02-06-2014 02-06-2014 29-05-2015 07-06-2016 13-07-2018 13-07-2018 04-06-2019 11-07-2020
Original Announcement Date 09-05-2013 12:00 08-05-2014 12:00 12-05-2015 12:00 26-05-2016 12:00 19-05-2017 12:00 10-05-2018 12:00 14-05-2019 14:55 23-06-2020 14:35
Complete Statement Complete Complete Complete Complete Complete Complete Complete Complete
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Template Type Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating
Source Type Finalized Finalized Finalized Finalized Finalized Finalized Finalized Finalized
Interest & Dividend Income/(Expense) - Net - Finance 75,428,371 78,793,251 84,438,965 83,130,987 89,033,353 93,046,632 102,149,107 114,367,522
Revenue from Business Activities - Total 75,428,371 78,793,251 84,438,965 83,130,987 89,033,353 93,046,632 102,149,107 114,367,522
Provision & Impairment for Loan Losses 25,184,611 31,511,117 30,400,904 38,772,361 70,874,963 141,807,041 114,478,903 128,363,808
Selling, General & Administrative Expenses - Total 36,992,903 36,702,426 36,179,447 35,189,679 37,698,755
Operating Profit before Non-Recurring Income/Expense 30,659,308 20,644,180 27,833,834 17,671,737 3,167,609 -66,326,626 -39,296,233 -36,513,117
Income before Discontinued Operations & Extraordinary Items 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Loans & Receivables - Total 2,081,021,860 2,291,044,266 2,556,545,654 2,673,540,019 2,864,665,770 2,887,605,825 2,969,321,530 3,150,494,069
Investments - Total 808,304,456 937,231,839 940,929,835 892,083,461 1,121,489,595 1,237,801,240 1,260,466,426 1,524,138,968
Total Assets 3,121,337,676 3,537,809,023 3,816,159,307 4,046,959,024 4,527,044,402 4,874,059,951 4,940,388,422 5,506,832,685
Deposits - Total 2,637,615,730 2,976,756,397 3,168,699,172 3,427,200,092 3,758,990,098 4,085,016,357 4,159,152,695 4,506,684,524
Common Equity - Total 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Tangible Total Equity 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Earning Assets 3,051,430,207 3,459,004,826 3,721,255,708 3,858,385,684 4,314,380,384 4,619,819,009 4,660,247,693 5,225,695,230
Net Cash Flow from Operating Activities -56,081,700 19,710,700 -61,766,400 123,547,300 -65,790,200 54,596,800 -78,891,800 -85,913,000
Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile 1,509,200 1,937,800 2,208,100 2,441,100 2,360,400 3,627,100 3,680,400 4,112,600
Capital Expenditures - Net - Cash Flow 3,338,900 3,574,300 2,548,100 16,684,100 1,840,000 3,189,300 2,922,300 3,708,000
Net Change in Cash - Total 5,352,500 68,624,800 -6,948,500 68,982,000 35,462,800 166,187,000 -63,952,300 120,602,500
Book Value per Share 289.8 293.1 310.8 333.0 348.8 214.8 150.2 98.71
Tangible Book Value per Share 289.8 293.1 310.8 333.0 348.8 214.8 150.2 98.71
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
Shares used to calculate Diluted EPS - Total 551,900 605,900 633,300 661,800 687,400 755,600 1,175,000 2,320,819
Dividend Yield - Common Stock - Gross - Issue Specific - % 3.7% 7.8% 0.8% 4.6% 1.3%
Dividend Yield - Common Stock - Net - Issue Specific - % 3.7% 7.8% 0.8% 4.6% 1.3%
Profitability / Return
Interest & Dividend Income/(Expense) - Net - Finance Percentage of Earning Assets 2.42 2.35 2.19 2.18 2.08 2.20 2.31
Efficiency Ratio - % 26.0% 33.8% 31.0% 32.1% 16.6% 19.0% 26.4% 23.0%
Income before Tax Margin - % 40.6% 26.2% 33.0% 21.2% 3.9% 71.4% 38.4% 35.2%
Net Margin - % 28.6% 21.5% 21.1% 16.3% 6.2% 56.4% 28.9% 25.3%
Return on Earning Assets - % 0.5% 0.5% 0.4% 0.1% 1.2% 0.6% 0.6%
Return on Average Total Assets - % (Income before Discontinued Operations & Extraordinary
0.5% 0.5% 0.3% 0.1% 1.1% 0.6% 0.6%
Items)
Growth
Interest & Dividend Income/(Expense) - Net - Finance 75,428,371 78,793,251 84,438,965 83,130,987 89,033,353 93,046,632 102,149,107 114,367,522
Revenue from Business Activities - Total 75,428,371 78,793,251 84,438,965 83,130,987 89,033,353 93,046,632 102,149,107 114,367,522
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
Common Shares - Outstanding - Total 596,794 630,306 635,779 687,441 687,441 1,168,573 1,763,016 3,422,819
Deposits - Total 2,637,615,730 2,976,756,397 3,168,699,172 3,427,200,092 3,758,990,098 4,085,016,357 4,159,152,695 4,506,684,524
Loans & Receivables - Total 2,081,021,860 2,291,044,266 2,556,545,654 2,673,540,019 2,864,665,770 2,887,605,825 2,969,321,530 3,150,494,069
Total Assets 3,121,337,676 3,537,809,023 3,816,159,307 4,046,959,024 4,527,044,402 4,874,059,951 4,940,388,422 5,506,832,685
Capital Ratio
Capital Adequacy - Total (%) 10.8% 10.2% 10.6% 11.8% 11.5% 11.8% 12.8%
Capital Adequacy - Tier 1 (%) 7.5% 7.5% 8.1% 9.0% 9.0% 9.5% 10.8%
Capital Adequacy - Core Tier 1 (%) 7.2% 8.0% 7.7% 7.6% 8.0% 9.4%
Capital Adequacy - Tier 2 (%) 3.3% 2.7% 2.4% 2.8% 2.4% 2.3% 2.1%
Liquidity Coverage Ratio - Basel 3 - % 111.7% 126.2% 138.7% 106.6% 128.8% 185.4%
Loans - Non-Performing & Impaired Percentage of Shareholders Equity - Common 51.8% 65.9% 105.6% 140.6% 196.7% 184.0% 145.3%
Loans to Deposits (End of Period) 0.79 0.77 0.81 0.78 0.76 0.71 0.71 0.70
Total Debt Percentage of Total Assets 7.6% 8.3% 9.3% 7.7% 9.1% 9.4% 8.7% 9.5%
Total Debt Percentage of Total Capital 57.9% 61.3% 64.2% 57.5% 63.2% 64.5% 61.8% 60.8%
Total Debt Percentage of Total Equity 137.6% 158.7% 178.9% 135.2% 172.0% 182.0% 161.8% 155.4%
Period End Date 31-03-2013 31-03-2014 31-03-2015 31-03-2016 31-03-2017 31-03-2018 31-03-2019 31-03-2020
Period Length 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months 12 Months
Statement Date 31-03-2014 31-03-2014 31-03-2015 31-03-2016 31-03-2018 31-03-2018 31-03-2019 31-03-2020
Update Type Original Original Original Original Reclassification Original Original Original
Standardized Currency INR INR INR INR INR INR INR INR
Reporting Currency INR INR INR INR INR INR INR INR
Reporting Unit Thousands Thousands Thousands Thousands Thousands Thousands Thousands Thousands
Source IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS
Source Date 02-06-2014 02-06-2014 29-05-2015 07-06-2016 13-07-2018 13-07-2018 04-06-2019 11-07-2020
Original Announcement Date 09-05-2013 12:00 08-05-2014 12:00 12-05-2015 12:00 26-05-2016 12:00 19-05-2017 12:00 10-05-2018 12:00 14-05-2019 14:55 23-06-2020 14:35
Complete Statement Complete Complete Complete Complete Complete Complete Complete Complete
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Template Type Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating Bank - Operating
Source Type Finalized Finalized Finalized Finalized Finalized Finalized Finalized Finalized
Revenues
Interest & Dividend Income/(Expense) - Net - Finance 75,428,371 78,793,251 84,438,965 83,130,987 89,033,353 93,046,632 102,149,107 114,367,522
Interest & Dividend Income - Finance - Total 251,247,007 293,493,942 320,839,621 321,988,008 326,599,801 327,479,992 340,666,589 372,311,238
Interest Income - Loans/Deposits 193,390,690 219,188,883 241,672,989 244,741,994 238,236,386 239,123,488 249,731,936 262,789,815
Interest & Fees on Loans & Receivables 191,404,620 217,403,558 239,772,512 236,580,609 229,431,010 227,729,752 237,719,210 250,786,979
Interest Income - Deposits to Other Financial Institutions 1,986,070 1,785,325 1,900,477 8,161,385 8,805,376 11,393,736 12,012,726 12,002,836
Interest & Dividend Income - Investment Securities - Finance 56,710,330 72,704,532 76,688,696 75,351,454 86,950,960 87,799,652 90,033,427 105,728,598
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 56,710,330 72,704,532 76,688,696 75,351,454 86,950,960 87,799,652 90,033,427 105,728,598
Interest & Dividend Income - Other - Finance 1,145,987 1,600,527 2,477,936 1,894,560 1,412,455 556,852 901,226 3,792,825
Interest Expense - Finance - Total 175,818,636 214,700,691 236,400,656 238,857,021 237,566,448 234,433,360 238,517,482 257,943,716
Interest Expense - Operational Financing - Business 173,076,257 209,387,401 230,337,339 233,448,683 237,566,448 234,433,360 238,517,482 249,556,145
Interest Expense - External Financing Business 2,742,379 5,313,290 6,063,317 5,408,338 8,387,571
Revenue from Business Activities - Total 75,428,371 78,793,251 84,438,965 83,130,987 89,033,353 93,046,632 102,149,107 114,367,522
Operating Expenses
Provision & Impairment for Loan Losses 25,184,611 31,511,117 30,400,904 38,772,361 70,874,963 141,807,041 114,478,903 128,363,808
Selling, General & Administrative Expenses - Total 36,992,903 36,702,426 36,179,447 35,189,679 37,698,755
Labor & Related Expenses including Stock-Based Compensation in Selling, General &
36,992,903 34,342,028 32,552,336 31,509,285 33,586,186
Administrative Expenses
Depreciation in Selling, General & Administrative Expenses 2,360,398 3,627,111 3,680,394 4,112,569
Other Operating Expense/(Income) - Net 19,584,452 26,637,954 26,204,227 -10,306,014 -21,711,645 -18,613,230 -8,223,242 -15,181,924
Other Operating Income - Total 25,537,194 28,189,651 35,230,061 36,335,268 49,387,667 49,983,343 44,709,817 52,647,316
Other Operating Expense 45,121,646 54,827,605 61,434,288 26,029,254 27,676,022 31,370,113 36,486,575 37,465,392
Operating Expenses - Total 44,769,063 58,149,071 56,605,131 65,459,250 85,865,744 159,373,258 141,445,340 150,880,639
Operating Profit
Operating Profit before Non-Recurring Income/Expense 30,659,308 20,644,180 27,833,834 17,671,737 3,167,609 -66,326,626 -39,296,233 -36,513,117
Non-Operating Expenses
Sale of Tangible & Intangible Fixed Assets - Gain/(Loss) -16,925 25,753 -39.45 -17,914 258,322 -84,659 29,650 -39,448
Normalized Pre-tax Profit 30,642,383 20,669,933 27,833,795 17,653,823 3,425,931 -66,411,285 -39,266,583 -36,552,565
Non-Recurring Income/Expense
Pre-Tax Income
Income before Taxes 30,642,383 20,669,933 27,833,795 17,653,823 3,425,931 -66,411,285 -39,266,583 -40,276,265
Taxes
Income Taxes 9,063,100 3,707,900 10,017,400 4,137,800 -2,126,200 -13,937,600 -9,792,100 -11,298,500
Provision for Income Tax Expense- Unclassified 9,063,100 3,707,900 10,017,400 4,137,800 -2,126,200 -13,937,600 -9,792,100 -11,298,500
Net Income after Tax 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Income before Discontinued Operations & Extraordinary Items 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Net Income before Minority Interest 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Net Income
Net Income after Minority Interest 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Income Available to Common Shares 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Income available to Common excluding Extraordinary Items 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Shares used to calculate Basic EPS - Total 551,900 605,900 633,300 661,800 687,400 755,600 1,175,000 2,320,819
EPS - Basic - including Extraordinary Items Applicable to Common - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Basic - excluding Extraordinary Items - Normalized - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -10.88
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Earnings Allocation Factor - Basic - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Shares used to calculate Basic EPS - Issue Specific 551,900 605,900 633,300 661,800 687,400 755,600 1,175,000 2,320,819
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -10.88
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Diluted Income available to Common excluding Extraordinary Items 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Shares used to calculate Diluted EPS - Total 551,900 605,900 633,300 661,800 687,400 755,600 1,175,000 2,320,819
EPS - Diluted - including Extraordinary Items Applicable to Common - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Diluted - excluding Extraordinary Items - Normalized - Total 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -10.88
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue
21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -28,977,765
Specific
Earnings Allocation Factor - Diluted - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Shares used to calculate Diluted EPS - Issue Specific 551,900 605,900 633,300 661,800 687,400 755,600 1,175,000 2,320,819
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -12.49
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific 39.10 27.99 28.13 20.42 8.08 -69.45 -25.08 -10.88
DPS - Common - Gross - Issue - By Announcement Date 8.00 10.70 1.30 6.00 1.95
DPS - Common - Net - Issue - By Announcement Date 8.00 10.70 1.30 6.00 1.95
Earnings before Interest & Taxes (EBIT) 30,659,308 20,644,180 27,833,834 17,671,737 3,167,609 -66,326,626 -39,296,233 -36,513,117
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 32,168,508 22,581,980 30,041,952 20,112,837 5,528,009 -62,699,515 -35,615,833 -32,400,517
Depreciation & Amortization - Supplemental 1,509,174 1,937,795 2,208,118 2,360,398 3,627,111 3,680,394 4,112,569
Depreciation Expense - Total - Supplemental 1,509,174 1,937,795 2,208,118 2,360,398 3,627,111 3,680,394 4,112,569
Depreciation/Amortization - Total
Depreciation, Depletion & Amortization - Total 1,509,200 1,937,800 2,208,118 2,441,100 2,360,400 3,627,111 3,680,400 4,112,600
Depreciation - Total 1,509,200 1,937,800 2,208,118 2,441,100 2,360,400 3,627,111 3,680,400 4,112,600
Labor & Related Expenses - Total 36,992,903 34,342,028 32,552,336 31,509,285 33,586,186
Labor & Related Expenses - Supplemental 36,992,903 34,342,028 32,552,336 31,509,285 33,586,186
Auditor Fees
Normalized
Normalized after Tax Profit 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -25,254,065
Normalized Net Income from Continuing Operations 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -25,254,065
Normalized Net Income - Bottom Line 21,579,283 16,962,033 17,816,395 13,516,023 5,552,131 -52,473,685 -29,474,483 -25,254,065
Earnings before Interest & Taxes (EBIT) - Normalized 30,642,383 20,669,933 27,833,795 17,653,823 3,425,931 -66,411,285 -39,266,583 -36,552,565
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 32,151,583 22,607,733 30,041,913 20,094,923 5,786,331 -62,784,174 -35,586,183 -32,439,965
Lease Expenses
Other
Interest & Dividend Income after Loan Loss Provision - Net - Finance 50,243,760 47,282,134 54,038,061 44,358,626 18,158,390 -48,760,409 -12,329,796 -13,996,286
Revenue after Loan Provisions - Net - Finance 276,431,618 325,005,059 351,240,525 360,760,369 397,474,764 469,287,033 455,145,492 500,675,046
Interest Expense 175,818,636 214,700,691 236,400,656 238,857,021 237,566,448 234,433,360 238,517,482 257,943,716
Non-Interest Expense - Bank 19,601,377 26,612,201 26,204,266 26,704,803 14,732,459 17,650,876 26,936,787 26,279,979
Operating Expenses 44,769,063 58,149,071 56,605,131 65,459,250 85,865,744 159,373,258 141,445,340 150,880,639
Selling, General & Administrative Expenses excluding Research & Development Expenses 36,992,903 36,702,426 36,179,447 35,189,679 37,698,755
Company Fundamentals - Balance Sheet
Company Name Union Bank of India Ltd (UNBK.BO)
Country India
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Parent
Scaling Thousands
Period Annual
Export Date 28-06-2021
Statement Data 2013 2014 2015 2016 2017 2018 2019 2020
Period End Date 31-03-2013 31-03-2014 31-03-2015 31-03-2016 31-03-2017 31-03-2018 31-03-2019 31-03-2020
Statement Date 31-03-2014 31-03-2014 31-03-2015 31-03-2016 31-03-2018 31-03-2018 31-03-2019 31-03-2020
Update Type Original Original Original Original Reclassification Original Original Original
Standardized Currency INR INR INR INR INR INR INR INR
Reporting Currency INR INR INR INR INR INR INR INR
Reporting Unit Thousands Thousands Thousands Thousands Thousands Thousands Thousands Thousands
Source IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS IND ARS
Source Date 02-06-2014 02-06-2014 29-05-2015 07-06-2016 13-07-2018 13-07-2018 04-06-2019 11-07-2020
Original Announcement Date 09-05-2013 12:00 08-05-2014 12:00 12-05-2015 12:00 26-05-2016 12:00 19-05-2017 12:00 10-05-2018 12:00 14-05-2019 14:55 23-06-2020 14:35
Complete Statement Complete Complete Complete Complete Complete Complete Complete Complete
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Bank - Non- Bank - Non- Bank - Non- Bank - Non- Bank - Non- Bank - Non- Bank - Non- Bank - Non-
Template Type Differentiated Differentiated Differentiated Differentiated Differentiated Differentiated Differentiated Differentiated
Source Type Finalized Finalized Finalized Finalized Finalized Finalized Finalized Finalized
Assets
Cash & Short-Term Deposits Due from Banks - Total 162,103,891 230,728,721 223,780,219 292,762,204 328,225,019 494,411,944 430,459,737 551,062,193
Cash & Short-Term Deposits Due from Banks 54,474,714 46,531,947 73,149,436 136,714,995 163,020,545 284,247,251 222,495,100 349,879,210
Funds with Central Banks 107,629,177 184,196,774 150,630,783 156,047,209 165,204,474 210,164,693 207,964,637 201,182,983
Loans & Receivables - Total 2,081,021,860 2,291,044,266 2,556,545,654 2,673,540,019 2,864,665,770 2,887,605,825 2,969,321,530 3,150,494,069
Banking Related Loans - Net 2,081,021,860 2,291,044,266 2,556,545,654 2,673,540,019 2,864,665,770 2,887,605,825 2,969,321,530 3,150,494,069
Investments - Total 808,304,456 937,231,839 940,929,835 892,083,461 1,121,489,595 1,237,801,240 1,260,466,426 1,524,138,968
Property, Plant & Equipment - Net - Total 24,790,071 26,084,685 26,819,532 39,398,728 38,944,150 38,333,328 37,622,928 47,625,172
Other Assets - Total 45,117,398 52,719,512 68,084,067 149,174,612 173,719,868 215,907,614 242,517,801 233,512,283
Total Assets
Total Assets 3,121,337,676 3,537,809,023 3,816,159,307 4,046,959,024 4,527,044,402 4,874,059,951 4,940,388,422 5,506,832,685
Liabilities
Deposits - Total 2,637,615,730 2,976,756,397 3,168,699,172 3,427,200,092 3,758,990,098 4,085,016,357 4,159,152,695 4,506,684,524
Debt - Total 237,972,745 293,166,177 353,599,816 309,573,518 412,258,730 456,807,681 428,638,249 524,862,533
Debt - Long-Term - Total 237,972,745 293,166,177 353,599,816 309,573,518 412,258,730 456,807,681 428,638,249 524,862,533
Long-Term Debt excluding Capitalized Leases 237,972,745 293,166,177 353,599,816 309,573,518 412,258,730 456,807,681 428,638,249 524,862,533
Debt - Non-Convertible - Long-Term 237,972,745 293,166,177 353,599,816 309,573,518 412,258,730 456,807,681 428,638,249 524,862,533
Other Liabilities - Total 72,787,314 83,132,870 96,251,500 81,273,345 116,033,640 81,268,201 87,727,404 137,429,182
Other Liabilities 72,787,314 83,132,870 96,251,500 81,273,345 116,033,640 81,268,201 87,727,404 137,429,182
Total Liabilities
Total Liabilities 2,948,375,789 3,353,055,444 3,618,550,488 3,818,046,955 4,287,282,468 4,623,092,239 4,675,518,348 5,168,976,239
Shareholders' Equity
Shareholders' Equity - Attributable to Parent Shareholders - Total 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Common Equity Attributable to Parent Shareholders 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Common Equity - Contributed 7,077,942 7,413,063 6,357,788 6,874,411 12,284,411 11,685,734 17,630,163 34,228,189
Common Stock - Issued & Paid 7,077,942 7,413,063 6,357,788 6,874,411 6,874,411 11,685,734 17,630,163 34,228,189
Equity - Non-Contributed - Reserves & Retained Earnings 165,883,945 177,340,516 191,251,031 222,037,658 227,477,523 239,281,978 247,239,911 303,628,257
Retained Earnings - Total 165,883,945 177,340,516 191,251,031 222,037,658 227,477,523 239,281,978 247,239,911 303,628,257
Common Equity - Total 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Total Liabilities & Equity 3,121,337,676 3,537,809,023 3,816,159,307 4,046,959,024 4,527,044,402 4,874,059,951 4,940,388,422 5,506,832,685
Common Shares - Issued - Total 596,794 630,306 635,779 687,441 687,441 1,168,573 1,763,016 3,422,819
Common Shares - Outstanding - Total 596,794 630,306 635,779 687,441 687,441 1,168,573 1,763,016 3,422,819
Common Shares - Authorized - Issue Specific 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000 3,000,000
Common Shares - Issued - Issue Specific 596,794 630,306 635,779 687,441 687,441 1,168,573 1,763,016 3,422,819
Common Shares - Outstanding - Issue Specific 596,794 630,306 635,779 687,441 687,441 1,168,573 1,763,016 3,422,819
Asset Allocation Factor - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Debt including Finance and Operating Lease Liabilities 237,972,745 293,166,177 353,599,816 309,573,518 412,258,730 456,807,681 428,638,249 524,862,533
Debt Related
Net Debt 75,868,854 62,437,456 129,819,597 16,811,314 84,033,711 -37,604,263 -1,821,488 -26,199,660
Debt Maturity
Other
Cash & Cash Equivalents - Total 162,103,891 230,728,721 223,780,219 292,762,204 328,225,019 494,411,944 430,459,737 551,062,193
Cash & Securities 970,408,347 1,167,960,560 1,164,710,054 1,184,845,665 1,449,714,614 1,732,213,184 1,690,926,163 2,075,201,161
Cash & Short Term Investments - Total 162,103,891 230,728,721 223,780,219 292,762,204 328,225,019 494,411,944 430,459,737 551,062,193
Debt - including Preferred Equity & Minority Interest - Total 237,972,745 293,166,177 353,599,816 309,573,518 412,258,730 456,807,681 428,638,249 524,862,533
Earning Assets 3,051,430,207 3,459,004,826 3,721,255,708 3,858,385,684 4,314,380,384 4,619,819,009 4,660,247,693 5,225,695,230
Invested Assets - Total 808,304,456 937,231,839 940,929,835 892,083,461 1,121,489,595 1,237,801,240 1,260,466,426 1,524,138,968
Net Book Capital 248,830,741 247,191,035 327,428,416 245,723,383 323,795,645 213,363,449 263,048,586 311,656,786
Net Operating Assets 248,830,741 247,191,035 327,428,416 245,723,383 323,795,645 213,363,449 263,048,586 311,656,786
Shareholders Equity - Common 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Tangible Total Equity 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Tangible Book Value 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Total Book Capital 410,934,632 477,919,756 551,208,635 538,485,587 652,020,664 707,775,393 693,508,323 862,718,979
Total Capital 410,934,632 477,919,756 551,208,635 538,485,587 652,020,664 707,775,393 693,508,323 862,718,979
Total Long Term Capital 172,961,887 184,753,579 197,608,819 228,912,069 239,761,934 250,967,712 264,870,074 337,856,446
Footnotes
Capital Adequacy - Total (Value) 258,850,000 289,320,000 343,340,000 328,170,000 327,960,000 377,900,000
Capital Adequacy - Tier 1 (Value) 189,920,000 222,960,000 262,800,000 258,570,000 263,880,000 317,107,800
Capital Adequacy - Core Tier 1 (Value) 183,200,000 217,680,000 224,630,000 216,410,000 223,280,000 277,130,000
Capital Adequacy - Hybrid Tier 1 (included in Tier 1 Capital - Value) 6,720,000 5,280,000 38,170,000 42,160,000 40,600,000 39,977,800
Capital Adequacy - Tier 2 (Value) 68,930,000 66,360,000 80,540,000 69,600,000 64,080,000 60,766,704
Capital Adequacy - Total (%) 10.8% 10.2% 10.6% 11.8% 11.5% 11.8% 12.8%
Capital Adequacy - Tier 1 (%) 7.5% 7.5% 8.1% 9.0% 9.0% 9.5% 10.8%
Capital Adequacy - Core Tier 1 (%) 7.2% 8.0% 7.7% 7.6% 8.0% 9.4%
Capital Adequacy - Tier 2 (%) 3.3% 2.7% 2.4% 2.8% 2.4% 2.3% 2.1%
Liquidity Coverage Ratio - Basel 3 - % 111.7% 126.2% 138.7% 106.6% 128.8% 185.4%
Loans - Non-Performing & Impaired 95,640,000 130,310,000 241,710,000 337,122,800 493,699,300 487,291,500 490,853,000