بانک سینا

پنج شنبه،06 اردیبهشت 1403
بانک سینا
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    • Financial analysis
               
       The 3-year performance indexes at a glance:
       
      2012-2013
      2013-2014
      2014-2015
       
      Profitability ratios
      68
      42
      15
      Total revenue growth rate (percentage)
      58
      87
      (51)
      Net profit growth  rate (percentage)
      3.22
      4.45
      1.73
      ROA (return on asset) - (percentage)
      31
      47
      18
      ROE (return on equity) - (percentage)
      432
      807
      235
      EPS in IRR
      275
      687
      200
      DPS in IRR
      Performance efficiency ratios
      85
      88
      92
      Balance of loans principle and deposits amount to total deposits (percentage)
      74
      76
      75
      Balance of loans principle and deposits amount to total assets (percentage)
      254,459
      340,555
      442,207
      Balance of deposits per branch (IRR millions)
      218,662
      295,583
      386,702
      Lending per branch (IRR millions)
      21
      22
      20
      Total revenue to average assets ratio (percentage)
      1.77
      1.67
      1.78
      General and administrative costs to average assets ratio (percentage)
      79
      73
      86
      Interest income to total income ratio     (percentage)
      Operational risks (percentage)
      46
      30
      22
      Capital adequacy  ratio (percentage)
      Activities development
      46
      30
      22
      Total customer deposits growth rate (percentage)
      43
      33
      20
      Total lending growth rate (percentage)
      275
      277
      255
      Branches
      2,420
      2,446
      2,363
      Employees (full- time equivalent)
      Leverage ratio
      90
      91
      90
      Debt ratio (percentage)
      Human resources and efficiency  ratios
      6,927
      9,699
      11,310
      Total revenue per capita
      28,769
      38,633
      49,151
      Customers deposits per capita
      33,625
      44,684
      56,568
      Total assets per capita
      24,721
      33,531
      42,788
      Total lending & deposits per capita

       

       

      Consolidated balance sheet as at March 20, 2015

       
      March 20, 2015
      March 20, 2014
       
      March 20, 2015
      March 20, 2014
      IRR (million)
      IRR (million)
      IRR (million)
      IRR (million)
      Assets:
       
       
      Liabilities:
       
       
      Cash
      742,069
      801,143
      Due to Central Bank of Iran
      1,255,596
      0
      Due from Central Bank of Iran
      16,481,892
      10,523,769
      Due to other banks and financial institutions
      2,338,798
      12,288,034
      Due from other banks and financial institutions
      24,491,761
      28,366,873
      Demand deposits
      5,158,814
      6,059,570
      Loans to nongovernmental parties
      84,702,135
      63,203,605
      Term deposits
      119,305,316
      87,445,950
      Investment in stocks and other securities
      7,235,561
      7,059,824
      Other deposits and advances received
      1,837,568
      374,316
      Other accounts and notes receivable
      6,322,379
      5,476,166
      Dividends payable
      45,766
      21,049
      Tangible fixed assets
      2,275,214
      2,102,438
      Income tax
      968,808
      907,762
      Intangible assets
      2,460,567
      2,358,954
      Provisions and other liabilities
      3,592,756
      3,627,888
      Other assets
      4,263,431
      3,113,128
      Provision for staff termination benefits
      451,720
      317,038
       
       
       
      Total liabilities
      134,955,142
      111,041,607
       
       
       
       
       
       
       
       
       
      Shareholders’ equity:
       
       
       
       
       
      Capital
      6,000,000
      6,000,000
       
       
       
      Ongoing capital increase
      3,844,748
      0
       
       
       
      Subsidiaries capital from assets revaluation
      26,000
      26,000
       
       
       
      Shares held by subsidiaries
      (28,979)
      0
       
       
       
      Legal reserve
      2,152,808
      1,789,144
       
       
       
      Retained earnings
      2,025,290
      4,149,149
       
       
       
      Totalshareholders’ equity
      14,019,867
      11,964,293
      Total Assets
      148,975,009
      123,005,900
      Total liabilities & shareholders’ equity
      148,975,009
      123,005,900