STATEMENT OF COMPREHENSIVE INCOME

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2 STATEMENT OF COMPREHENSIVE INCOME FOR THE 3 MONTHS ENDED VARIANCE FOR THE YEAR ENDED VARIANCE Audited Audited % % Rs.('000) Rs.('000) Rs.('000) Rs.('000) Income 3,068,185 2,340, ,166,450 7,937, Interest Income 2,735,691 2,103, ,325,027 7,297, Interest Expenses (1,639,016) (980,319) (67) (5,945,707) (3,551,986) (67) Net Interest Income 1,096,675 1,122,984 (2) 4,379,320 3,745, Fee and Commission Income 272, , , , Net Fee and Commission Income 272, , , , Net gain/(loss) from trading (199) (2,078) (6,974) 114 Other Operating Income (net) 79,866 (25,642) ,850 84, ,666 (27,720) ,813 77, Total Operating Income 1,448,875 1,305, ,220,743 4,385, Impairment (Charges) / Reversal for loans and other losses (287,443) (76,363) (276) (400,307) (116,023) (245) Net Operating Income 1,161,431 1,229,229 (6) 4,820,436 4,269, Operating Expenses Personnel Expenses (260,707) (212,592) (23) (1,026,041) (862,316) (19) Depreciation of Property & Equipment 32,767 (65,963) 150 (197,828) (174,845) (13) Amortisation of Intangible Assets (2,200) (1,561) (41) (6,256) (5,276) (19) Other Operating Expenses (205,413) (197,858) (4) (887,503) (638,560) (39) Operating Profit before Value Added Tax on Financial Services 725, ,254 (3) 2,702,808 2,588,065 4 Value Added Tax on Financial Services (49,555) (33,317) (49) (176,249) (149,952) (18) Profit before Taxation 676, ,937 (6) 2,526,560 2,438,112 4 Income Tax Expense (210,223) (205,696) (2) (823,895) (724,118) (14) Profit for the Year 466, ,241 (9) 1,702,665 1,713,994 (1) Other Comprehensive Income / (Expenses) Available for Sale Financial Assets Sri Lanka Government securities (1,476) - 3,768 - Equity Securities (8,822) 982 (998) (22,651) (78,259) (71) Reclassification Adjustments for gain/(loss) 4,342 7,288 (40) 24,611 20, (5,955) 8,270 (172) 5,728 (57,761) (110) Income Tax (Charge) / Credit Relating to Components of O - (2,316) 100 (1,604) - Other Comprehensive Income for the Year, Net of Taxes (5,955) 5,954 (200) 4,125 (57,761) (107) Total Comprehensive Income for the Year, Net of Taxes 460, ,196 (11) 1,706,790 1,656,233 3 Earnings Per Share (Rs)

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5 CASH FLOW STATEMENT Year Ended 31 March Audited Audited Cash Flows From / (Used in) Operating Activities Rs.('000) Rs.('000) Profit before Income Tax Expense 2,532,288 2,380,352 Adjustments for Depreciation 197, ,845 Amortisation of Intangible Assets 6,256 5,276 Impairment provision 400, ,023 Interest cost on Finance Lease 4,355 5,132 Loss/(Profit) from Sale of Investments - (4,660) Diminution/(Appreciation) in value of investments 18,300 85,404 Loss/(Profit) on disposal of property & equipment (8,454) (10,279) Provision/(reversal) for Defined Benefit Plans 18,324 11,261 Dividend Received (2,459) (2,250) Notional Tax Credit on Interest on Treasury Bills (29,535) (11,271) Withholding Tax attributed to Fixed Deposit & professional fees (77,489) (6,766) Operating Profit before Working Capital Changes 3,060,118 2,743,068 (Increase)/Decrease in Loans and Advances (3,681,880) (5,261,486) (Increase)/Decrease in Lease Rentals Receivable & Stock out on hire (4,985,659) (7,702,012) (Increase)/Decrease in Other Financial Assets (467,566) (251,991) (Increase)/Decrease in Other Non Financial Assets (190,224) (78,371) Increase/(Decrease) in Amounts Due to Customers 11,573,775 6,906,883 Increase/(Decrease) in Other Financial Liabilities 638,011 - Increase/(Decrease) in Other Non Financial Liabilities 73, ,044 Cash Generated from Operations 6,020,086 - (3,235,865) - Retirement Benefit Liabilities Paid (2,324) (899) Taxes Paid (950,066) (882,506) Net Cash From/(Used in) Operating Activities 5,067,695 (4,119,271) Cash Flows from / (Used in) Investing Activities Acquisition of Property, Plant & Equipment (432,863) (1,595,905) Acquisition of Intangible Assets (10,585) (14,934) Proceeds from Sales of Property, Plant & Equipment 10,836 10,279 Sale/(Purchase) of financial investments- available- for- sale (368,323) 130,337 Dividend Received 2,459 2,250 Net Cash Flows from/(used in) Investing Activities (798,476) (1,467,973) Cash Flows from / (Used in) Financing Activities Payment under Finance Lease Liabilities (12,008) (10,823) Net Cash Flow from Securitised Borrowings, Syndicated Loans and Other Bank Facilities (1,926,336) 4,367,862 Net Cash Flow from Debt Instruments Issued and Other borrowings 686,541 1,046,818 Dividends Paid (346,286) (242,400) Net Cash Flows from/(used in) Financing Activities (1,598,089) 5,161,457 Net Increase in Cash and Cash Equivalents 2,671,130 (425,787) Cash and Cash Equivalents at the beginning of the year 470, ,837 Cash and Cash Equivalents at the end of the year 3,141, ,051

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7 EXPLANATORY NOTES The Statement of Financial Position, Statement of Comprehensive Income, Statement of Changes in Equity and Cash Flow Statement, ha been prepared in accordance with Sri Lanka Accounting Standards comprising of Sri Lanka Financial Reporting Standards & Lanka Accounting Standards (hereafter referred as SLFRS ), laid down by the Institute of Chartered Accountants of Sri Lanka and these SLFR effective from April 1, 2012 and comparatives (year 2012) too are reclassified and re-measured. There have been no material events occurring after the balance sheet date that require adjustments to or disclosure in the Financial Statements except the Board of Directors has declared a final dividend of Rs.6.50/- per share totaling to Rs.450 Million on 28th May The Commitment & Contingencies as at 31st March 2013 is Rs.1,246 Mn & as at 31st March 2012 is Rs.628.6Mn. Information on Shares Share Price During the Quarter Highest Rs Lowest Rs Closing Rs No of Ordinary Share Issued As At 69,257,142 69,257,142 Information on Listed Debentures Debt Equity Ratio % % Quick Asset Ratio 13.62% 8.73% Interest Cover Interest Rate of Comparable Government Securities 11.45% 10.75% Market Price During Three Months Not Traded Not Traded Interest Yield As At Date of Last Trade Not Traded Not Traded Yield To Maturity of Trade Done Not Traded Not Traded Capital Adequacy SELECTED PERFORMANCE INDICATORS Checked by As At As At Core Capital to Risk Weighted Asset Ratio (Minimum 5%) 14.02% 12.53% Total Capital to Risk Weighted Asset Ratio (Minimum 10%) 15.40% 14.81% Capital Funds to Total Deposit Liabilities Ratio 13.75% 14.60% Profitability Return on Avg Shareholders' Funds -Annualized 36.72% 50.86% Return on Avg Assets (After Tax) -Annualized 3.52% 4.69% (Based on Sri Lanka Accounting Standards effected prior to April 1, 2012) Asset Quality (Rs.'Mn) For the Period Ended Non-Performing Accommodation (Net of Interest in Suspense) 1, Total Accommodations (Net of Interest in Suspense) 55,084 43,291 Net Total Accommodations (Net of Provision for Bad & Doubtful Debts 54,317 42,705 & Interest in Suspense) Liquidity (Rs.'Mn) Required Minimum Amount of Liquid Asset 3,757 2,631 Available Amount of Liquid Asset 5,403 2,872 Required Minimum Amount of Government Securities 1,723 1,172 Available Amount of Government Securities 2,833 1,267 CASH AND CASH EQUIVALENTS IN THE CASH FLOW STATEMENT Cash & Bank Balances 1,171, ,506 Money at call and short notice 2,848,036 1,284,730 Bank Overdrafts (878,493) (1,484,186) Total Cash and Cash Equivalents Rs. 3,141, ,051

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