Value Creation

The main purpose of our business is to create value for our stakeholders. Doing so, calls for a proactive approach to understand how our business context is evolving, determine how these changes are impacting LBF’s value creation capacity and take actions to safeguard the interests of our stakeholders. For long term sustainability, LBF’s business model magnets from the six capitals and scorecard delivers us with the framework against which we reflect how we transform, increase or decrease capitals in generating value creation outputs.

Value Creation Indicators

Transforming the stocks of capital through our business activities, we create value by developing and distributing a range of innovative and reliable products and services.

Macro Dimension Indicator Measurement 2019/20 2020/21
Economic wellbeing Economic value created
Economic value distributed to:
Depositors and Lenders
Employees
Government
Shareholders
Rs. Million

Rs. Million
Rs. Million
Rs. Million
Rs. Million
43,30.14

13,218.85
2,986.63
5,014.32
-
6,148.39

11,125.01
2,955.81
4,651.00
1,662.17
Social wellbeing Community development programmes
Staff volunteered hours
Number
Hours
12
20,131
22
5,764
Environment and landscape Environment related projects
Water consumption
Water consumption per Rs. million of profit
Trees planted/ distributed
Trees saved from recycling
Investment on green initiatives
Paper recycled
Energy consumption
Energy per Rs. million of profit
Total carbon footprint
Total carbon footprint per Rs. million of profit
Number
m3
m3
Number
Number
Rs. million
Kg
GJ
GJ
tCO2e
tCO2e
5
39,793
7.67
34,853
94
9.54
5501
20,538
3.96
4,484
0.11
15
31,013
4.56
6,180
68
1.01
3986
15,418.08
2.27
3,110
0.10
Business sophistication Total outlets
Total branches
CDM machines
Branches outside western province
Gold loan centres
New outlets opened
Number
Number
Number
Number
Number
Number
165
129
23
84
36
2
169
152
24
88
17
4
Infrastructure and quality of services Investment on ICT
Online transactions
Investment on freehold land and building
Rs. Million
Number
Rs. Million
115.65
Over 400,000
230.13
46.40
Over 1,000,000
481.96
Employee wellbeing Total workforce
Employees hired
Training programs carried out
Investment on training and development
Total training hours
Average hours of training per employee
Staff remuneration and benefits
Number
Number
Number
Rs. Million
Hours
Hours
Rs. Million
3,606
1,291
137
18.56
52,788
14.73
3,005.18
3,536
999
19
4.01
7,737
2.17
2,959.82
Reputation Brand value (Brand Finance)
Brand ranking (Brand Finance)
Credit rating (Fitch Rating)
Rs. Million
Number
Rating
5,133
29
A- (lka)
6,237
25
A- (lka)
Customers Total customer base
Customer financial solutions
Number
Number
Over 600,000
30
Over 600,000
31

Value Creation Management

LBF’s goal of value creation to its stakeholder has always kept the Company to leverage on building core strengths that have collaborated the Company’s capitals to the business domains.

pdf-download
Value Generated
pdf-download
Value Distributes
pdf-download
Value Created Business Model
pdf-download
Value Created Score Card
pdf-download
Carbon Footprint
pdf-download
Value Creation For Stakeholders
LB sustainability
Rs.
24.09
 Mn
Total Sustainability Cost
15492
Total Volunteer Hours
827
Trees Saved
684
Active Volunteers
48,643
 Kg
Waste Paper Recycled
3,480

tCO2e

Neutralized Carbon Footprint
28
CSR Initiatives