Annual Report 2012 - National Savings Bank

255TEN YEARS AT A GLANCE(Rs Mn)Year Ended December 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012RatiosIncome Growth 12.32 25.92 11.88 12.41 (3.01) 9.64 15.21 26.15 33.79 20.74 0.54 (7.04) 13.96Interest Margin 1.7 2.6 4.1 4.1 3.2 3.2 3.2 3.4 4.0 4.4 4.1 2.8NIM/Gross Income 14.2 20.6 33.6 39.9 31.7 30.4 26.5 23.4 26.1 33.3 38.2 25.5Personnel Cost/Gross Income 6.9 9.2 10.3 11.5 10.5 11.2 8.8 7.5 6.9 7.4 8.9 7.7Overheads (Excluding Prov.)/Gross Income 9.7 12.2 13.6 15.7 14.4 15.1 12.6 11.2 10.7 12.0 13.5 12.0Profit Before Tax/Gross Income 6.2 13.4 20.8 21.3 16.3 14.3 10.7 7.5 13.9 19.5 19.9 11.6Contribution to theGOSL/Gross Income 9.7 9.8 11.4 16.7 14.6 14.6 12.9 10.4 14.6 20.2 17.1 11.1Cost to Deposits 1.4 1.7 2.2 2.2 2.0 2.3 2.2 2.4 2.7 2.7 2.0 1.7Cost to Income with VAT 61.2 47.7 43.5 47.0 50.4 59.4 56.5 58.5 55.5 48.9 45.4 54.6Cost to Income without VAT 61.2 47.7 36.9 37.9 39.4 46.7 44.9 46.1 38.8 32.4 36.4 45.7Return on averageSharehlder’s Funds (ROE) 14.2 26.2 42.6 29.4 17.6 14.8 12.0 7.5 22.7 27.3 26.61 18.28Return on average Assets (ROA) 1.2 0.8 1.7 2.5 2.2 1.6 1.5 1.3 1.1 2.1 2.6 2.13 1.26Deposits as % of Assets 91.3 91.0 90.4 90.8 90.9 91.1 90.1 87.1 88.2 88.3 88.0 90.5 89.8Profit per Employee (Rs. ’000) 456 359 893 1,545 1,551 1,196 1,207 1,152 1,077 2,382 3,205 2,826 1,972Deposit per Employee (Rs. ’000) 38,341 43,728 50,395 60,068 67,855 70,043 73,184 82,073 90,157 107,378 116,513 128,809 146,308Other InformationNo of Employees 2,742 2,717 2,670 2,683 2,655 2,890 2,900 2,867 2,879 2,915 3,050 3,275 3,128No of Branches 100 11 116 119 128 128 130 130 137 157 186 210 219Post Offices/Sub Post Offices 3 4042 4049 4045 4056 4043 4048 4042 4,045 4,055 4,053 4,058 4,053Account Holders (Million) 12.9 13.1 13.5 13.7 14.2 14.6 15.1 15.5 15.6 16.3 16.7 17.0 17.4* Note: Highlighted information is based on LKAS/SLFRSNATIONAL SAVINGS BANK . ANNUAL REPORT 2012