GROUP				BANK
As at December 31,		2015 US $ ’000	2014 US $ ’000	Change %		2015 US $ ’000	2014 US $ ’000	Change %
Assets
Cash and cash equivalents		139,487	156,048	(10.61)		139,046	155,822	(10.77)
Balances with Central Banks		195,775	148,572	31.77		195,775	148,572	31.77
Placements with banks		119,275	109,783	8.65		119,275	109,783	8.65
Securities purchased under resale agreements		55,512	311,754	(82.19)		55,512	311,754	(82.19)
Derivative financial assets		28,569	3,477	721.66		28,569	3,477	721.66
Other financial instruments – Held-for-trading		53,114	47,875	10.94		53,114	47,875	10.94
Loans and receivables to banks		4,170	4,170	–		4,170	4,170	–
Loans and receivables to other customers		3,537,448	3,076,285	14.99		3,524,905	3,067,964	14.89
Financial investments – Available-for-sale		1,417,010	1,621,075	(12.59)		1,416,887	1,620,949	(12.59)
Financial investments – Held-to-maturity		–	–	–		–	–	–
Financial investments – Loans and receivables		400,447	381,658	4.92		400,447	381,658	4.92
Investments in subsidiaries		–	–	–		8,582	9,164	(6.35)
Investments in associates		725	804	(9.83)		308	335	(8.06)
Property, plant & equipment		77,568	84,259	(7.94)		69,157	75,317	(8.18)
Intangible assets		6,133	6,479	(5.34)		3,232	3,323	(2.74)
Leasehold property		745	824	(9.59)		517	571	(9.46)
Other assets		83,920	79,912	5.02		83,903	79,769	5.18
Total assets		6,119,898	6,032,975	1.44		6,103,399	6,020,503	1.38
Liabilities
Due to Banks		220,530	194,242	13.53		210,330	191,154	10.03
Derivative financial liabilities		13,117	9,029	45.28		13,117	9,029	45.28
Securities sold under repurchase agreements		778,701	941,287	(17.27)		779,638	942,599	(17.29)
Other financial liabilities - Held-for-trading		–	–	–		–	–	–
Due to other customers/Deposits from customers		4,328,971	4,005,044	8.09		4,329,530	4,005,762	8.08
Other borrowings		69,273	88,056	(21.33)		69,273	88,056	(21.33)
Current tax liabilities		20,990	15,417	36.15		20,825	15,119	37.74
Deferred tax liabilities		3,244	21,765	(85.10)		1,600	19,476	(91.78)
Other provisions		13	14	(7.14)		13	14	(7.14)
Other liabilities		109,256	133,709	(18.29)		107,860	131,998	(18.29)
Due to subsidiaries		–	–	–		182	146	24.66
Subordinated liabilities		83,165	85,226	(2.42)		83,061	83,578	(0.62)
Total liabilities		5,627,260	5,493,789	2.43		5,615,429	5,486,931	2.34
Equity
Stated capital		161,322	162,372	(0.65)		161,322	162,372	(0.65)
Statutory reserves		34,148	32,744	4.29		34,147	32,744	4.28
Retained earnings		30,994	33,435	(7.33)		30,447	32,223	(5.51)
Other reserves		265,826	310,275	(14.32)		262,054	306,233	(14.43)
Total equity attributable to equity holders of the Bank		492,290	538,826	(25.59)		487,970	533,572	(8.55)
Non-controlling interest		348	360	(3.33)		–	–	–
Total equity		492,638	539,186	(8.63)		487,970	533,572	(8.55)
Total liabilities and equity		6,119,898	6,032,975	1.44		6,103,399	6,020,503	1.38
Contingent liabilities and commitments		3,615,902	2,667,071	35.22		3,615,902	2,667,071	35.58
Net assets value per ordinary share (US $)		0.56	0.62	(9.68)		0.56	0.62	(9.68)

Exchange Rate of 1 US $ was Rs. 144.15 as at December 31, 2015 (Rs. 132.15 as at December 31, 2014).