Ratios of Knsb
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8/3/2019 Ratios of Knsb
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2010
Current liabilities
Saving Bank ac (24:76) 385105324.29
current ac 472914876.50
Bill for collection 6592255.64
Branch Adjustment 8688069.63
overdue int reserve 2458297.00int payable 35226403.71
other liabilities 1229886799.76
Total 2140872026.53
Current Assets
Cash in hand 99557032.21
Balance with other banks 312056941.21
Investment (short term) 1113371461.03
st advances 2556998328.40
int recievables:
on investment 93009863.60
on lons adv 1662449.63
Bills receivable 6592255.64
other assets:
income tax refund 27943780.00
fbt refund 7956.00
clearing adjustment 2634460.49
sundr debt 86147.14
doon vally UC bank 9157.00
Total 4213929832.35
current ratio= current assets/ current liabilities
2010 1.97
2011 2.14
Absolute liquid ratio 411613973.42
2010 0.192264633
2011 0.195690689
External Equity:
Deposits 6494662360.76
Bills for Collection 6592255.64
Branch Adjustment 8688069.63
Overdue Interest reserve 2458297.00
Int Payable 35226403.71
Other Liabilities 1229886799.76
Total 7777514186.50
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Internal Equity
Subscribed Capital 85887760.00
Reserve and surplus 535669945.92
P/L ac 78149260.62
Total 699706966.54
Debt Equit Ratio external/internal
2010 11.12
2011 10.78
working Capiat 2073057805.82
Net Assets 8,526,217,188.42
wc ratio 0.24
2073057806
3531182310
0.
2000000000.
4000000000.
6000000000.
8000000000.
10000000000.
12000000000.
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2011
474513905.17
653388510.29
6319814.75
2579686.0046297860.00
1926496468.95
3109596245.16
116520712.60
491998318.40
2139503961.03
3753215261.59
81426088.96
2452824.08
6319814.75
48825630.98
7956.00
496829.49
11000.00
157.00
6640778554.88
608519031.00
8227132181.07
6319814.75
2579686.00
46297860.00
1926496468.95
10208826010.77
C1.80
1.90
2.00
2.10
2.20
20102011
Current Ratio
0.00
500000000.00
1000000000.00
1500000000.00
2000000000.00
2500000000.00
3000000000.00
3500000000.00
2010 2011
2000000000.00
4000000000.00
6000000000.00
8000000000.00
10000000000.00
12000000000.00
Exte
Inte
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151662840.00
683428064.24
111958521.55
947049425.79
3531182309.72
11,113,745,650.01
0.32
10.60
10.70
10.80
10.90
11.00
11.10
11.20
2010
0.00
2010 2011
0
0
0
0
0
0
0
2010 2011
Net Working capital
Net Assets
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0.19
0.191
0.192
0.193
0.194
0.195
0.196
2010
2011
Absolute Liquid ratio
Absol
urrent Ratio
Current Ratio
0.00
1000000000.00
2000000000.00
3000000000.00
4000000000.00
5000000000.00
6000000000.00
7000000000.00
2010 2011
Current Labilities
Current Assets
Liquid Liabilities
Absolute Liquid Assets
rnal Equities
rnal Equities
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2011
Debt Equity Ratio
Debt Equity Ratio
0.00
0.05
0.10
0.15
0.20
0.25
0.30
0.35
2010 2011
Net Working Capital Ratio
Net Working Capital Ratio
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ute Liquid ratio
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2010
Fixed Assets:
Premises 4,293,584.33
Furniture and Fixture 36,466,229.74
40,759,814.07
Current AssetsCash in hand 99557032.21
Balance with other banks 312056941.21
Investment (short term) 1113371461.03
st advances 2556998328.40
int recievables:
on investment 93009863.60
on lons adv 1662449.63
Bills receivable 6592255.64
other assets:
income tax refund 27943780.00
fbt refund 7956.00
clearing adjustment 2634460.49
sundr debt 86147.14
doon vally UC bank 9157.00
Total 4213929832.35
Current Assets to fixed Assets ratio current assets/fixed assets
2010 103.38
2011 163.47
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2011
4,365,171.71
36,257,430.15
40,622,601.86
116520712.60
491998318.40
2139503961.03
3753215261.59
81426088.96
2452824.08
6319814.75
48825630.98
7956.00
496829.49
11000.00
157.00
6640778554.88
-
50.00
100.00
150.00
200.00
20102011
Current Assets to fixed As
-
1,000,000,000.00
2,000,000,000.00
3,000,000,000.00
4,000,000,000.00
5,000,000,000.00
6,000,000,000.00
7,000,000,000.00
2010 20
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sets ratio
Current Assets to fixed
Assets ratio
11
Fixed Assets
Current Assets
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Outside Liability 2010
DEPOSITS AND OTHER ACCOUNTS
Term Deposits
Fixed Deposit 4,004,631,628.52
Mini Deposit 357,953,806.15
Recurring Deposit 53,622,588.00Security MD Agents 933,943.70
Savings Bank Deposits 1,604,605,517.89
Current Deposits 472,914,876.50
BILLS FOR COLLECTION 6,592,255.64
BRANCH ADJUSTMENTS 8,688,069.63
OVERDUE INTEREST RESERVE 2,458,297.00
INTEREST PAYABLE 35,226,403.71
OTHER LIABILITIES
Bills and Draft Payable 1,153,698,048.16
Dividend Payable 3,473,880.00
Sundry Creditors 2,985,310.30
Provision for Bonus/Closing/Exgratia 4,673,401.00
Service Charges 94,155.00
Other Branch Clearing -
Provision for Gratuity 5,250,286.00
Provision for DICGC 3,859,110.00
Deffered Tax Liability 1,491,293.28
Provision for Income Tax 38,763,563.82
Share Capital (Doon Valley UC Bank) 961,700.00
Staff Security (Doon Valley UC Bank) 4,250.00
Term Deposit Adjustment 3,568.00Provision for CA Fees 243,780.20
Provision for Donation 225,000.00
Provision for Electricity Bill 500.00
Other Liabilities (Doon Valley UC Bank) 6,457.00
Bills Payable (Doon Valley UC Bank) 500.00
Staff Provision 406,267.00
Provision for Cooperative Education Fund -
Total 7,763,768,456.50
Total Assets 8,526,217,188.42
Solvency ratio outside liability/total assets
2010 0.910575966
2011 0.916879289
-
2,000,000,000.00
4,000,000,000.00
6,000,000,000.00
8,000,000,000.00
10,000,000,000.00
12,000,000,000.00
2010
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2011
5,058,771,642.38
478,966,360.15
58,260,935.00603,461.70
1,977,141,271.55
653,388,510.29
6,319,814.75
-
2,579,686.00
46,297,860.00
1,824,752,135.05
5,189,050.00
4,129,018.20
11,500,000.00
827.00
1,083,724.98
-
4,136,715.00
1,491,423.66
53,623,173.06
950,600.00
4,250.00
12,488.00393,155.00
-
-
-
-
352,111.00
15,000.00
10,189,963,212.77
11,113,745,650.01
0.906
0.908
0.91
0.912
0.914
0.916
0.918
2010
2011
Solvency
2011
Total Outside Liability
Total Assets
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Ratio
Solvency Ratio
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2010
SHAREHOLDERS FUND
Subscribed Capital 85887760.00
Reserve and surplus 535669945.92
P/L ac 78149260.62
Total 699706966.54
Total Assets 8,526,217,188.42
PROPRIETARY RATIO shareholders fund/total assets
2010 0.082
2011 0.085
NPAIT 78,144,260.62
SHAREHOLDERS FUND 699706966.54
Return on Shareholder Equity 11.17
RESERVE & SURPLUS 535669945.92
CAPITAL 85,887,760.00
RESERVE & SURPLUS TO CAPITAL RATI res &surplus/cap
6.24
Total Assets 8,526,217,188.42
NPAIT 78,144,260.62
Return on Total Assets NPAIT/Total Assets
0.009165174
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2011
151662840.00
683428064.24
111958521.55
947049425.79
11,113,745,650.01
111,952,521.55
947049425.79
11.82
683428064.24
151,662,840.00
4.51
11,113,745,650.01
111,952,521.55
0.010073338
0.00
2000000000.00
4000000000.00
6000000000.00
8000000000.00
10000000000.00
12000000000.00
2010 2011
Shareholders
Total Assets
-
100,000,000.00
200,000,000.00
300,000,000.00
400,000,000.00
500,000,000.00
600,000,000.00
700,000,000.00
800,000,000.00
900,000,000.00
1,000,000,000.00
2010 2011
Net Profit After inter
tax
Shareholders Equity
10.80
11.00
11.20
11.40
11.60
11.80
12.00
2010
Re
100
200
300
400
500
600
700
800
0.0086
0.0088
0.009
0.0092
0.0094
0.0096
0.0098
0.01
0.0102
2010 2011
Return on Total Assets
Return on Total Asse
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fund
0.080
0.081
0.082
0.083
0.084
0.085
0.086
2010
PRO
st and
2011
turn on Shareholder Equity
Return on Shareholder
Equity
0.00
00000.00
00000.00
00000.00
00000.00
00000.00
00000.00
00000.00
00000.00
2010 2011
RESERVE & SURPLUS
CAPITAL
-
1.00
2.003.00
4.00
5.00
6.00
7.00
2010 2011
RESERVE & SURPLUS TO CAPITAL RATIO
RESERVE & SURPLUS TO
CAPITAL RATIO
ts
8,526,217,188.42
11,113,745,650.0
1
6,000,000,000.00
8,000,000,000.00
10,000,000,000.00
12,000,000,000.00
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78,144,260.62 111,952,521.55
-
2,000,000,000.00
4,000,000,000.00
2010 2011
Total Assets Net Profit After Interest & Tax
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2011
PRIETARY RATIO
PROPRIETARY RATIO
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Composition of deposits
Saving A/c 24
Current A/c 8
Mini Deposit A/c 6
FDRs 62
Non Performin Assets (NPAs)
2008-09 165.67
2009-10 189.49
2010-11 158.34
2010-11 2009-10 2008-09
Current Accounts 6533.89 4729.15 2671.29
Saving Bank Accounts 19771.41 16046.06 12856.34
Mini Deposit Accounts 4789.66 3579.54 2833.42
Fixed deposits Accounts 51176.36 40591.87 30302.85
0
10000
20000
30000
40000
50000
60000
Current
Accounts
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Saving A/c
24%
Current A/c
8%
Mini Deposit A/c
6%
FDRs
62%
Composition of deposits
(2010-11)
140
145
150
155
160
165
170
175
180
185
190
2008-09 2009-10 2010-11
Non Performin Assets (NPAs) 165.67 189.49 158.34
Rupee
inL
cs
Non Performin Assets (NPAs)
2010-11
2009-10
2008-09
Saving
Bank
Accounts
Mini
Deposit
Accounts
Fixed
deposits
Accounts
2010-112009-10
2008-09
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