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BALANCE SHEET 2008 2009 2010
ASSETS Rupees in '000
Cash and balances with treasury banks 16,029,666 19,385,850 22,565,190
Balances with other banks 3,967,816 8,374,640 3,787,538
Lendings to financial institutions 4,479,754 4,649,059 9,194,186
Investments 35,464,972 66,885,617 102,100,063
Advances 128,818,242 135,039,901 152,784,254Operating fixed assets 8,345,054 9,332,361 10,084,422
Deferred tax assets 0 0 0
Other assets 9,021,883 10,686,010 14,264,476
TOTAL ASSETS 206,127,387 254,353,438 314,780,129LIABILITIES
Bills payable 2,584,828 2,945,670 3,089,984
Borrowings 15,190,148 19,300,163 25,554,777
Deposits and other accounts 167,505,312 205,912,903 255,908,149
Sub-ordinated loans 2,996,100 5,994,900 5,992,500
Liabilities against assets subject to finance lease 16,573 11,543 5,556
Deferred tax liabilities 16,173 333,925 85,507
Other liabilities 4,779,448 4,866,463 8,111,431
TOTAL LIABILITIES 392,257,292 480,946,386 603,207,530NET ASSETS 13,038,805 14,987,871 16,032,225
OWNER'S EQUITY
Share capital 4,058,774 5,073,467 6,427,440
Reserves 7,689,227 7,287,041 7,712,855
Unappropriated profits 338,225 803,716 679,638
Non-Controling intrest 16,111 17,263 28,728
Surplus on Revaluation of Assets 936,468 1,806,384 1,183,564
TOTAL OWNER'S EQUITY 13,038,805 14,987,871 16,032,225
TOTAL LIABILITIES + OWNER'S EQUITY 206,127,387 254,353,438 314,780,129
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2011 2012
26,168,206 24,435,422
6,236,116 8,865,303
1,613,584 6,341,474
133,655,387 145,354,253
150,712,556 143,727,8359,451,033 8,901,522
0 0
16,028,838 15,585,465
343,865,720 353,211,274
2,756,032 3,700,156
17,274,979 8,376,740
291,499,395 306,929,729
6,990,100 6,987,300
2,893 1,018
46,908 83,139
7,413,555 7,305,811
655,327,118 673,121,823
17,881,858 19,827,381
7,070,184 8,130,711
8,135,795 8,541,776
1,380,018 1,114,869
28,377 29,441
1,267,484 2,010,584
17,881,858 19,827,381
343,865,720 353,211,274
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BALANCE SHEET 2008 2009 2010 2011
ASSETS
Cash and balances with treasury banks 7.78% 7.62% 7.17% 7.61%
Balances with other banks 1.92% 3.29% 1.20% 1.81%
Lendings to financial institutions 2.17% 1.83% 2.92% 0.47%
Investments 17.21% 26.30% 32.44% 38.87%
Advances 62.49% 53.09% 48.54% 43.83%Operating fixed assets 4.05% 3.67% 3.20% 2.75%
Deferred tax assets 0.00% 0.00% 0.00% 0.00%
Other assets 4.38% 4.20% 4.53% 4.66%
TOT L SSETS 100.00% 100.00% 100.00% 100.00%LIABILITIES
Bills payable 1.25% 1.16% 0.98% 0.80%
Borrowings 7.37% 7.59% 8.12% 5.02%
Deposits and other accounts 81.26% 80.96% 81.30% 84.77%
Sub-ordinated loans 1.45% 2.36% 1.90% 2.03%
Liabilities against assets subject to finance lease 0.01% 0.00% 0.00% 0.00%Deferred tax liabilities 0.01% 0.13% 0.03% 0.01%
Other liabilities 2.32% 1.91% 2.58% 2.16%
TOTAL LIABILITIES 93.67% 94.11% 94.91% 94.80%
NET ASSETS 6.33% 5.89% 5.09% 5.20%
OWNER'S EQUITY
Share capital 1.97% 1.99% 2.04% 2.06%
Reserves 3.73% 2.86% 2.45% 2.37%
Unappropriated profits 0.16% 0.32% 0.22% 0.40%
Non-Controling intrest 0.01% 0.01% 0.01% 0.01%
Surplus on Revaluation of Assets 0.45% 0.71% 0.38% 0.37%
TOTAL OWNER'S EQUITY 6.33% 5.89% 5.09% 5.20%
TOTAL LIABILITIES + OWNER'S EQUITY 100.00% 100.00% 100.00% 100.00%
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2012
6.92%
2.51%
1.80%
41.15%
40.69%
2.52%
0.00%
4.41%
100.00%
1.05%
2.37%
86.90%
1.98%
0.00%0.02%
2.07%
94.39%
5.61%
2.30%
2.42%
0.32%
0.01%
0.57%
5.61%
100.00%
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BALANCE SHEET 2008 2009 2010 2011
ASSETS
Cash and balances with treasury banks 100.00% 120.94% 140.77% 163.25%
Balances with other banks 100.00% 211.06% 95.46% 157.17%
Lendings to financial institutions 100.00% 103.78% 205.24% 36.02%
Investments 100.00% 188.60% 287.89% 376.87%
Advances 100.00% 104.83% 118.60% 117.00%Operating fixed assets 100.00% 111.83% 120.84% 113.25%
Deferred tax assets 100.00% 0.00% 0.00% 0.00%
Other assets 100.00% 118.45% 158.11% 177.67%
TOT L SSETS 100.00% 123.40% 152.71% 166.82%LIABILITIES
Bills payable 100.00% 113.96% 119.54% 106.62%
Borrowings 100.00% 127.06% 168.23% 113.72%
Deposits and other accounts 100.00% 122.93% 152.78% 174.02%
Sub-ordinated loans 100.00% 200.09% 200.01% 233.31%
Liabilities against assets subject to finance lease 100.00% 69.65% 33.52% 17.46%Deferred tax liabilities 100.00% 2064.71% 528.70% 290.04%
Other liabilities 100.00% 101.82% 169.71% 155.11%
TOTAL LIABILITIES 100.00% 123.97% 154.72% 168.83%
NET ASSETS 100.00% 114.95% 122.96% 137.14%
OWNER'S EQUITY
Share capital 100.00% 125.00% 158.36% 174.20%
Reserves 100.00% 94.77% 100.31% 105.81%
Unappropriated profits 100.00% 237.63% 200.94% 408.02%
Non-Controling intrest 100.00% 107.15% 178.31% 176.13%
Surplus on Revaluation of Assets 100.00% 192.89% 126.39% 135.35%
TOTAL OWNER'S EQUITY 100.00% 114.95% 122.96% 137.14%
TOTAL LIABILITIES + OWNER'S EQUITY 100.00% 123.40% 152.71% 166.82%
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2012
152.44%
223.43%
141.56%
409.85%
111.57%
106.67%
0.00%
172.75%
171.36%
143.15%
55.15%
183.24%
233.21%
6.14%514.06%
152.86%
172.66%
152.06%
200.32%
111.09%
329.62%
182.74%
214.70%
152.06%
171.36%
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PROFIT & LOSS ACCOUNT 2008 2009 2010
Mark-up / return / interest earned 18,395,742 22,590,230 27954956
Mark-up / return / interest expensed 10,647,277 13,542,210 17931715
Net mark-up / interest income 7,748,465 9,048,020 10023241
Provision against non-performing loans and advances - net 3,824,778 2,324,377 2319280
Impairment loss on available for sale investments 0 431,058 382764Provision / (reversal) for diminution in the value of investments 508 76,784 267873
Provision against purchase under resale arrangement 0 82,674 65808
Bad debts written off directly 247,360 0 0
Net mark-up / interest income after provisions 3,675,819 6,133,127 6987516
Non mark-up / interest income
Fee, commission and brokerage income 1,418,588 1,382,346 1329477
Dividend income 173,743 162,537 209,922
Income from dealing in foreign currencies 873,512 528,159 13,011
Gain on sale of securities - net 42,824 143,717 213,735
Unrealised gain / Loss on revaluation of investments 22,375 -405 -3,799
Other income 343,435 409,191 471,707
Total non-markup / interest income 2,874,477 2,625,545 2,234,053
6,550,296 8,758,672 9,221,569
Non mark-up / interest expenses
Administrative expenses 6,035,800 7,124,693 7,937,367
Other provisions / write offs 739 0 30,136
Other charges 10,987 34,368 42,453
Total non-markup / interest expenses 6,047,526 7,159,061 8,009,956
502,770 1,599,611 1,211,613
Share of profit of associate 0 0 38,014
Extra ordinary / unusual items 0 0 0
Profit before taxation 502,770 1,599,611 1,249,627
Taxation 87,715 530,747 330,166
Profit after taxation 415,055 1,068,864 919,461
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2011 2012
32,768,950 32,404,345
22,699,089 22,973,385
10069861 9,430,960
1,630,123 2,342,473
122,421 148,575-15,775 201,265
34,702 0
0 1,043
8298390 6737604
1,297,332 1,173,558
289,470 1,036,249
772,495 884,724
310,384 688,424
80 986
348,009 532,275
3,017,770 4,316,216
11,316,160 11,053,820
8,787,381 9,226,563
0 8,633
86,784 80,381
8,874,165 9,315,577
2,441,995 1,738,243
12,949 27,814
0 0
2,454,944 1,766,057
749,737 476,912
1,705,207 1,289,145
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PROFIT & LOSS ACCOUNT 2008 2009 2010 2011 2012
Mark-up / return / interest earned 100.00% 100.00% 100.00% 100.00% 100.00%
Mark-up / return / interest expensed 57.88% 59.95% 64.15% 69.27% 70.90%
Net mark-up / interest income 42.12% 40.05% 35.85% 30.73% 29.10%
Provision against non-performing loans and advances - net 20.79% 10.29% 8.30% 4.97% 7.23%
Impairment loss on available for sale investments 0.00% 1.91% 1.37% 0.37% 0.46%Provision / (reversal) for diminution in the value of investm 0.00% 0.34% 0.96% -0.05% 0.62%
Provision against purchase under resale arrangement 0.00% 19.18% 0.24% 0.11% 0.00%
Bad debts written off directly 1.34% 0.00% 0.00% 0.00% 0.00%
Net mark-up / interest income after provisions 19.98% 27.15% 25.00% 25.32% 20.79%
Non mark-up / interest income
Fee, commission and brokerage income 7.71% 6.12% 4.76% 3.96% 3.62%
Dividend income 0.94% 0.72% 0.75% 0.88% 3.20%
Income from dealing in foreign currencies 4.75% 2.34% 0.05% 2.36% 2.73%
Gain on sale of securities - net 0.23% 0.64% 0.76% 0.95% 2.12%
Unrealised gain / Loss on revaluation of investments 0.12% 0.00% -0.01% 0.00% 0.00%
Other income 1.87% 1.81% 1.69% 1.06% 1.64%
Total non-markup / interest income 15.63% 11.62% 7.99% 9.21% 13.32%
35.61% 38.77% 32.99% 34.53% 34.11%
Non mark-up / interest expenses
Administrative expenses 32.81% 31.54% 28.39% 26.82% 28.47%
Other provisions / write offs 0.00% 0.00% 0.11% 0.00% 0.03%
Other charges 0.06% 0.15% 0.15% 0.26% 0.25%
Total non-markup / interest expenses 32.87% 31.69% 28.65% 27.08% 28.75%
2.73% 7.08% 4.33% 7.45% 5.36%
Share of profit of associate 0.00% 0.00% 0.14% 0.04% 0.09%
Extra ordinary / unusual items 0.00% 0.00% 0.00% 0.00% 0.00%
Profit before taxation 2.73% 7.08% 4.47% 7.49% 5.45%
Taxation 0.48% 2.35% 1.18% 2.29% 1.47%
Profit after taxation 2.26% 4.73% 3.29% 5.20% 3.98%
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PROFIT & LOSS ACCOUNT 2008 2009 2010 2011
Mark-up / return / interest earned 100.00% 122.80% 151.96% 178.13%
Mark-up / return / interest expensed 100.00% 127.19% 168.42% 213.19%
Net mark-up / interest income 100.00% 116.77% 129.36% 129.96%
Provision against non-performing loans and advances - net 100.00% 60.77% 60.64% 42.62%
Impairment loss on available for sale investments 100.00% 0.00% 0.00% 0.00%Provision / (reversal) for diminution in the value of investm 100.00% 15114.96% 52730.91% -3105.31%
Provision against purchase under resale arrangement 100.00% 0.00% 0.00% 0.00%
Bad debts written off directly 100.00% 0.00% 0.00% 0.00%
Net mark-up / interest income after provisions 100.00% 166.85% 190.09% 225.76%
Non mark-up / interest income
Fee, commission and brokerage income 100.00% 97.45% 93.72% 91.45%
Dividend income 100.00% 93.55% 120.82% 166.61%
Income from dealing in foreign currencies 100.00% 60.46% 1.49% 88.44%
Gain on sale of securities - net 100.00% 335.60% 499.10% 724.79%
Unrealised gain / Loss on revaluation of investments 100.00% -1.81% -16.98% 0.36%
Other income 100.00% 119.15% 137.35% 101.33%
Total non-markup / interest income 100.00% 91.34% 77.72% 104.99%
100.00% 133.71% 140.78% 172.76%
Administrative expenses 100.00% 118.04% 131.50% 145.59%
Other provisions / write offs 100.00% 0.00% 4077.94% 0.00%
Other charges 100.00% 312.81% 386.39% 789.88%
Total non-markup / interest expenses 100.00% 118.38% 132.45% 146.74%
100.00% 318.16% 240.99% 485.71%
Share of profit of associate 100.00% 0.00% 0.00% 0.00%
Extra ordinary / unusual items 100.00% 0.00% 0.00% 0.00%
Profit before taxation 100.00% 318.16% 248.55% 488.28%
Taxation 100.00% 605.08% 376.41% 854.74%
Profit after taxation 100.00% 257.52% 221.53% 410.84%
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2012
176.15%
215.77%
121.71%
61.24%
0.00%39619.09%
0.00%
0.42%
183.30%
82.73%
596.43%
101.28%
1607.57%
4.41%
154.99%
150.16%
168.75%
152.86%
1168.20%
731.60%
154.04%
345.73%
0.00%
0.00%
351.27%
543.71%
310.60%
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Liquidity RatiosCurrent Ratio = Current Assets/Current Liabilities
Year 2008 2009 2010 2011 2012
current assets
current liabilities 63,998,354 69,675,314 88,985,011 84,078,845 75,503,441
current ratio 0 0 0 0 0
Advance to Deposit Ratio= Advances (gross)/Total Deposits
Year 2008 2009 2010 2011 2012
Advances (gross) 139,830,973 147,633,745 168,435,880 167,381,246 162,855,583
Total Deposits 170,501,412 211,907,803 261,900,649 298,489,495 313,917,029
Advance to Deposit Ratio 0.820116217 0.696688574 0.643128914 0.560760927 0.518785437
Cash to Liabilities Ratio= Cash/ Current Liabilities
Year 2008 2009 2010 2011 2012
Cash 19,997,482 27,760,490 26,352,728 32,404,322 33,300,725
Current Liabilities 63,998,354 69,675,314 88,985,011 84,078,845 75,503,441
Cash to Current Liabilit ies Ratio 0.312468693 0.398426479 0.296147943 0.385403986 0.441049104
Debt Ratios
Debt Ratio= Total Liabilities/Total Assests
Year 2008 2009 2010 2011 2012Total Liabilities 193,088,582 239,365,567 298,747,904 325,983,862 333,383,893
Total Assests 193,090,590 239,367,576 298,749,914 325,985,873 333,385,905
Debt Ratio 0.999989599 0.999991605 0.999993271 0.99999383 0.999993964
Debt to Equity Ratio= Total Liabilities/ Owner's Equity
Year 2008 2009 2010 2011 2012
Total Liabilities 417,398,434 509,115,744 634,088,416 689,823,350 710,766,001
Owner's Equity 417,400,442 509,117,753 634,090,426 689,825,361 710,768,013
Debt to Equity Ratio 1.00 1.00 1.00 1.00 1.00
Time Intrest Earned Ratio=Profits before Intrest & Taxes/Intrest (Financing cost)
Year 2008 2009 2010 2011 2012
Profits before Intrest & Taxes 11,150,047 15,141,821 19,181,342 25,154,033 24,739,442
Intrest (Financing cost) 10,647,277 13,542,210 17931715 22,699,089 22,973,385
Time Intrest Earned Ratio 1.05 1.12 1.07 1.11 1.08
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Profitability Ratios
Profit before Tax Margin= (Profit before Taxation/ Intrest Earned) x100
Year 2008 2009 2010 2011 2012
Profit before Taxation 502,770 1,599,611 1,249,627 2,454,944 1,766,057
Intrest Earned 18,395,742 22,590,230 27954956 32,768,950 32,404,345
Proft before tax margin 3% 7% 4% 7% 5%
Gross Spread Ratio = Net Mark-up Income / Gross Mark-up Income
Year 2008 2009 2010 2011 2012
Net Mark-up Income 9,428 10,067 9,392 7,743 7,743
Gross Mark-up Income 32,402 32,766 27,329 22,587 18,393
Gross Spread Ratio 29.10% 30.72% 34.37% 34.28% 42.10%
Return on Asset= (Net Profit after tax/ Total Assets) x100
Year 2008 2009 2010 2011 2012
Net Profit after tax 415,055 1,068,864 919,461 1,705,207 1,289,145
Total Assets 458,893 1,113,706 958,192 1,737,548 1,317,293
Return on Assets 90.45% 95.97% 95.96% 98.14% 97.86%
Return on Equity= Net Profit after tax/ Owner's Equity
Year 2008 2009 2010 2011 2012
Net Profit after tax 415,055 1,068,864 919,461 1,705,207 1,289,145
Owner's Equity 417,063 1,070,873 921,471 1,707,218 1,291,157
Return on Equity 99.52% 99.81% 99.78% 99.88% 99.84%
Analysis For Investor
Earning Per Share= Net Profit after Tax/ Number of Share Outstanding
Year 2008 2009 2010 2011 2012
Net Profit after tax 415,055 1,068,864 919,461 1,705,207 1,289,145
Number of Share Outstanding 405,877,308 507,346,700 642,744,335 707,018,400 813,071,084
Earning Per Share 0.001022612 0.002106772 0.001430524 0.002411828 0.001585526
Price Earning Ratio= Market Price Share/Earning per share
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Year 2008 2009 2010 2011 2012
Market Price Share 14.57 27.3 17.69 10.03 17.22
Earning per share 0.95 2.18 1.48 2.30 1.54
Price Earning Ratio 15.33684211 12.52293578 11.9527027 4.360869565 11.18181818
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Curent Ratio
Advance to deposit ratio
0
0.5
1
1.52
2.5
3
2008 2009 2010 2011 2012
CURRENT RATIO
0
0 .5
1
1. 5
2
2 .5
3
2 0 0 8 2 0 09 2 0 10 2 0 11 2 0 12
Advance t o Deposi t
0
0 .5
1
1. 5
2
2 .5
3
2 0 0 8 2 0 0 9 20 10 2 011 2 0 12
Cash t o L iabi l i t i es Rat io
0
0 .5
1
1. 5
2
2 .5
3
2 0 0 8 20 0 9 2 0 10 2 0 11 20 12
D e bt R a t i o
0
0 .5
1
1. 5
2
2 .5
3
2 0 08 20 0 9 2 0 10 20 11 2 012
Deb t t o Eq ui t y Rat i o
0
0 .5
1
1. 5
2
2 .5
3
T ime In t e r s t E ar n ed Rat io
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0
0 . 5
1
1. 5
2
2 . 5
3
20 08 200 9 2 010 20 11 20 12
P r o f i a x M a r g i n t B e f o r e T
0
0 .5
1
1.5
2
2 .5
3
20 08 20 09 20 10 2 011 20 12
Gross Spr ead Rat io
0
0 . 5
1
1.5
2
2 . 5
3
20 08 20 09 2 010 20 11 20 12
Ret urn on Asset
0
0 . 5
1
1. 5
2
2 . 5
3
20 08 20 09 2010 20 11 20 12
Ret urn on Equi t y
0
0 . 5
1
1. 5
2
2 . 5
3
20 08 20 09 2010 20 11 20 12
Earning per Shar e
2 .5
3
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0
0 .5
1
1.5
2
.
20 08 20 09 20 10 20 11 2 012
Pr ic e Ear n ing Ra t io
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