Comparison of ISLAMIC & CONVENTIONAL Banking

Classification of Banks

Large Banks Medium Size Banks Small Banks

Bases:Shares OutstandingTotal AssetsTotal EmployeesCoverage

Large Banks National Bank of Pakistan

Habib Bank Limited

United Bank Limited

Muslim Commercial Bank

Allied Bank Limited

Bank Al-Falah

Medium Size Banks Standard Chartered Bank

Askari Bank Limited

Bank Al-Habib

Habib Metropolitan Bank

NIB

Meezan Bank

Soneri Bank Limited

Small Banks Silkbank Limited

Summit Bank Limited

HSBC

Bank of Khyber

Barclays Bank

Mybank Limited

JS Bank Limited

Samba Bank

Deutsche Bank AG

First Women Bank

Bank of Tokyo

Dubai Islamic Bank

Dawood Islamic bank Ltd.

BankIslami

Comparison

v/s

(Quick Facts)

Incorporated on January 27, 1997 Products: Murabaha,

Ijarah,

Diminishing Musharakah,

ATM/Debit Card,

Savings,

Consumer Banking etc.

Revenue

PKR 5.1 Billion (2009)

Net Income

PKR 1,025 Million (2009) Employees

3,669 (2009)

Quick Facts)

NIB was incorporated in

March 2003It has branches all over the country

Total assets as of March 31,

2011 are Rs. 150 bn.

Its goal is to be amongst the

top five banks of Pakistan.

It has over 3000 employees.

Business areas are;

Retail Banking and Transaction

Banking

Small Medium Enterprises and

Commercial Banking Group

Corporate and Investment

Banking Group / Financial

Institutions

Treasury of Capital Market

Group

Financial Viewpoint

Bank Cash & Bank

Investments

Lending to financial institutions

Investments Loans & advances – net of provisioins

Operating fixed& intangible assets

Other assets

Total Assets

Meezan 22,739 50,519 10,512 53,995 3,096 17,949 158,810

NIB 1 1,789 50,209 6,429 74,584 6,900 14,646 164,557

Bank Bills Payable Borrowings Deposits Subordinated Loans

Other liabilities

Equity Total

Meezan 1,767 5,829 131,068 --

7,719 12,427 158,810

NIB 1,335 42,362 99,112 3,996 3,867 13,885 164,557

Assets: Rupees in Million

Liabilities & Equity: Rupees in Million

Financial Viewpoint

Bank Spread Provisions/(reversals)

Non-markup Operating income

Operating expenses

Profit (Loss) before tax

Taxation Profit (Loss) after tax

Meezan 5,678 1 ,496 2,911 7 ,094 4,724 2,370 544 1,826

NIB 3,015 10,041 2,274 (4,752) 7,337 (12,089) (2,382) (9,707)

Income Statement: Rupees in Million

ProfitabilityProfit before Taxes:

Tip: Profit before Taxes = Operating income minus Operating costs

*NIB incurred a loss of Rs. 12.1bn compared to profit of Rs. 1.6 billion last year.

Returns

Return on Average Equity (ROAE):

Tip: ROAE is profit before tax as a percentage of average equity.

Spread:

Difference between markup/return/interest earned on loans and advances as a percentage of average loans and advances, at two year ends, and mark-up/return/interest expense of deposits as a percentage of average deposits, at two year ends.

Net Interest Profit RationMark-up/return/interest earned (before provisions) as a percentage of interest bearing assets less markup/return/interest expensed as a percentage of interest bearing liabilities.

Fee, commission & brokerage, rent, income from dealing in foreign currencies, profit on sale of fixed & other assets and other non-fund receipts.

Non-Funded Income:

Costs:Operating cost Includes all expenses charged to arrive at profit before tax excluding cost of funds and provisions.

Offerings

Loan & Advances:

Market share in Offerings

LiquidityThe ratio of total average advances to total average deposits

Deposits

Other Criteria

EPS

Credit Ratings

Legend & Number of Branches

Bs d kha