The Bank went a long way in terms of balance sheet utilization. Since 2002, loans have risen from 25% to 81% of deposits in 2012 (and nearly eight-fold in absolute terms). Having said that, the Bank is still well positioned to continue growing when capital adequacy ratio accounted for 15.3% at the end of 2012.
Well, with average ROE of over 21% in the last 5 years, the business remains bloody attractive and profitable.
Helgi Library 
