Professional Documents
Culture Documents
balance sheet
2011
% change amount
ASSETS
CURRENT ASSETS
1.cash and balance with treasury banks
In Hand
local currency
foreign currency
national price bonds
With The State Bank Of Pakistan In:
local currency current accounts
foreign currency current account
foreign currency deposits account
With National Bank Of Pakistan In:
local currenurrent accountscy c
total cash and balance with treasury banks
2.balances with other banks
In Pakistan
on current account
on deposit account
Outside Paksitan
on current account
on deposit account
total balances with other banks
3.lendings to financial institutions
repurchase agreement lendings(reverse repo)
purchase under resale agreement of equity security
funded trade finance
provision against reverse repo
net lendings to financial institutions
4.investments
Available for sale securities
Market Treasury Bills
5.61%
-11.12%
-52.12%
3906099
971932
8688
28.60%
24.92%
-0.13%
19.18%
12651165
2391749
5359856
20402770
38.21%
15.97%
878692
26168181
39.21%
-40.93%
542606
283861
4.00%
146.24%
64.74%
1292950
4115638
6235055
-95.68%
0.00%
57.55%
23.37%
-82.65%
360501
200000
1214267
-183184
1591584
32.40%
93,097,039
145.35%
53.98%
3.55%
-10.67%
-61.69%
67.40%
139.35%
48.51%
-32.96%
18,796,995
1,637,867
1,574,714
67,000
4,895,969
372,762
8,150,281
948,612
133,555
-29.22%
-2.84%
8.36%
-14.15%
5.03%
523,726
1,070,676
1,038,061
1,728,334
449,729
51.62%
53,703
37.04%
0.00%
11.56%
-16.33%
30.83%
185,000
114789
-420,806
-661,294
133,756,712
-2.08%
5255.76%
139,289,784
3,103,127
6,477,358
671,147
319,125
11,213,180
6,305,678
-16,291,514
-132,130
-245,046
150,710,709
43,329
8,080,756
1,224,730
9,348,815
7,145,152
165,990
1,454,544
2,960,034
3,485,578
327,317
50,691
46,447
8,834
398,325
-97,662
15,945,250
343,756,306
-10.81%
2,756,032
-32.47%
-8.72%
17,212,842
60,628
33.73%
6.79%
6.77%
-88.91%
89,523,862
141,028,007
56,633,911
11,509
Margin accounts
-21.22%
Others
37.78%
Financial institutions
Remunerative deposits
244.55%
Nonremunerative deposits
-61.51%
total depostits and other accounts
13.90%
NON CURRENT LIAB
4.sub ordinated loans
Term Finance Certificates I
-0.04%
Term Finance Certificates II
-0.04%
Term Finance Certificates III
-0.04%
Term Finance Certificates IV
total sub ordinated loans
16.65%
5.liabilities against assets subject to finance lease
6.deferred tax liabilities
Deferred credits / (debits) arising due to:
Accelerated tax depreciation
-4.10%
Provision against nonperforming advances
excess of 1% of total advances
-225.66%
classified in substandard category
-113.70%
Deficit on revaluation of available for sale securities
-183.67%
total deferred tax liabilities
93.43%
7.other liabilities
Markup / return / interest payable in local currency
20.60%
Markup / return / interest payable in foreign currencies
187.25%
Unearned income / commission
-18.82%
Accrued expenses
-6.24%
Advance payments
-18.35%
Security deposit against lease / Ijarah financing
-20.31%
Unclaimed dividends
-0.56%
Unrealised loss on forward foreign exchange contracts net
Branch adjustment account
-20.36%
Payable to defined contribution plan
6220.90%
Payable against purchase of listed shares
-28.36%
Withholding taxes payable
92.20%
Federal excise duty payable
-90.58%
Workers Welfare Fund
327.81%
2,416,273
380,598
1,507,056
1,777
291,502,993
1,496,100
1,496,400
2,997,600
1,000,000
6,990,100
711,324
404,730
7,883
231,453
165,394
2,059,529
76,145
188,368
338,596
52,068
3,044,275
39,157
0
622,392
22,376
162,103
43,795
2,503
108,000
Others
total other liabilities
total liabilities
EQUITY
share capital
reserves
unappropriated profit
surplus on revaluation of assets
total equity
total liabilities and equity
-10.20%
-8.75%
9.15%
615,114
7,374,421
326,062,410
10.00%
5.79%
85.54%
7.09%
11.07%
9.22%
7070184
8136440
1302158
1267484
17776266
343,756,306
et
011
2010
% of total
% changeamount
% of total
1.14%
0.28%
0.00%
3698621
1093497
18146
1.18%
0.35%
0.01%
3.68%
0.70%
1.56%
5.94%
9837640
1914623
5366912
17119175
0.26%
7.61%
635749
22565188
0.16%
0.08%
389770
480534
0.38%
1.20%
1.81%
1243196
1671362
3784862
0.10%
0.06%
0.35%
-0.05%
0.46%
8349938
200000
770730
-148482
9172186
27.08%
70,313,741
3.13%
0.61%
1.71%
5.44%
0.00%
0.20%
7.17%
0.00%
0.00%
0.12%
0.15%
0.00%
0.40%
0.53%
1.20%
0.00%
2.65%
0.06%
0.24%
-0.05%
2.91%
0.00%
0.00%
22.34%
5.47%
0.48%
0.46%
0.02%
1.42%
0.11%
2.37%
0.28%
0.04%
7,661,238
1,063,673
1,520,717
75,000
12,779,061
222,681
3,405,240
638,767
199,210
0.15%
0.31%
0.30%
0.50%
0.13%
0.00%
0.02%
0.00%
0.05%
0.03%
-0.12%
-0.19%
38.91%
0.00%
0.00%
40.52%
0.90%
739,941
1,101,980
957,964
2,013,203
428,184
1.88%
0.20%
0.09%
0.00%
3.26%
1.83%
0.00%
-4.74%
-0.04%
35,419
135,000
114789
-377,210
-790,401
102,238,197
142,242,261
57,940
8,791,362
1,103,349
311,162
8,428,437
7,501,252
-15,222,798
-132,190
2.43%
0.34%
0.48%
0.02%
4.06%
0.07%
1.08%
0.20%
0.06%
0.00%
0.24%
0.35%
0.30%
0.64%
0.14%
0.00%
0.01%
0.00%
0.04%
0.04%
-0.12%
-0.25%
32.49%
0.00%
0.00%
45.20%
0.02%
0.00%
2.79%
0.35%
0.10%
2.68%
2.38%
0.00%
-4.84%
-0.04%
-0.07%
43.84%
-296,638
152,784,137
-0.09%
48.55%
0.01%
2.35%
0.36%
2.72%
1,670,316
8,317,647
0
9,987,963
0.53%
2.64%
0.00%
3.17%
2.08%
0.05%
0.42%
0.86%
1.01%
0.10%
0.01%
0.01%
0.00%
0.12%
-0.03%
4.64%
100.00%
7,441,717
146,993
1,226,284
2,839,632
2,138,640
0
33,254
43,193
1,811
417,056
-98,121
14,190,459
314,722,992
2.36%
0.05%
0.39%
0.90%
0.68%
0.00%
0.01%
0.01%
0.00%
0.13%
-0.03%
4.51%
100.00%
0.80%
0.00%
5.01%
0.02%
3,089,984
25,488,358
66,419
0.98%
0.00%
8.10%
0.02%
26.04%
41.03%
16.48%
0.00%
66,943,251
132,060,695
53,043,324
103,746
21.27%
41.96%
16.85%
0.03%
0.70%
0.11%
3,067,234
276,239
0.97%
0.09%
0.44%
0.00%
84.80%
437,397
4,617
255,936,503
0.14%
0.00%
81.32%
0.44%
0.44%
0.87%
0.29%
2.03%
1,496,700
1,497,000
2,998,800
0
5,992,500
0.48%
0.48%
0.95%
0.00%
1.90%
0.21%
741,757
0.24%
0.12%
0.00%
0.07%
0.05%
-322,083
-57,527
-276,640
85,507
-0.10%
-0.02%
-0.09%
0.03%
0.60%
0.02%
0.55%
0.10%
0.02%
8.86%
0.01%
1,707,739
26,508
232,043
361,119
63,769
3,820,305
39,376
62,587
781,487
354
226,276
22,786
26,568
25,245
0.54%
0.01%
0.07%
0.11%
0.02%
1.21%
0.01%
0.02%
0.25%
0.00%
0.07%
0.01%
0.01%
0.01%
0.18%
0.01%
0.05%
0.01%
0.00%
0.03%
0.18%
2.15%
94.85%
684,977
8,081,139
298,740,410
0.22%
2.57%
94.92%
2.06%
2.37%
0.38%
0.37%
5.17%
100.00%
6427440
7691319
701819
1183564
16004142
314,744,552
2.04%
2.44%
0.22%
0.38%
5.09%
100.01%
Askari Bank
Income Statement
2011
% change
SALES
MARKUP / RETURN / INTEREST EARNED
On loans and advances to:
i) Customers
ii) Financial institutions
On investments
i) Available for sale securities
ii) Held to maturity securities
iii) Held for trading
On deposits with financial institutions
On securities purchased under resale agreements
total interest earned
CGS
MARKUP / RETURN / INTEREST EXPENSED
On deposits
On securities sold under repurchase agreements
On subordinated loans
On call money borrowings
On refinance borrowings from SBP
On long term finance for export oriented projects from SBP
On other short term borrowings
total interest expensed
Net markup / interest income
PROVISION FOR LOAN LOSES
Provision against nonperforming loans and advances net
mpairment loss on available for sale investments
Provision for diminution in the value of investments
Provision against repurchase agreement lendings
Bad debts written off directly
total provision for loan loses
OTHER INCOME
Non markup / interest income
Fee, commission and brokerage income
Dividend income
Income from dealing in foreign currencies
Gain on sale of securities net
Federal Government Securities
Market Treasury Bills
Pakistan Investment Bonds
Term Finance Certificates
Shares Listed
Others
-2.28%
15.74%
77.59%
27.91%
-49.98%
-30.23%
19.90%
25.24%
120.23%
5.63%
-69.37%
-3.48%
-17.04%
-63.70%
26.55%
7.18%
-6.09%
37.89%
5.72%
2675.86%
112.22%
226.94%
-132.89%
539.39%
44.55%
23.09%
-99.08%
23.41%
-13.55%
-9.65%
3.66%
6.61%
0.09%
5.82%
119.63%
9.39%
-41.14%
-13.31%
8.09%
90.03%
-1.14%
-45.53%
-81.40%
40.00%
8.33%
3.60%
10.58%
95.05%
118.18%
104.42%
11.09%
89.51%
152.63%
13838.60%
137.92%
72.58%
-23.69%
609.07%
68.93%
Askari Bank
Income Statement
2011
amount
% of total
% change
2010
amount
% of total
17,704,368
86,448
50.11%
0.24%
18,117,192
74,692
60.89%
0.25%
13,876,815
543,789
2,916
188,957
363,058
32,766,351
39.28%
1.54%
0.01%
0.53%
1.03%
92.74%
7,813,748
425,135
0
377,791
520,350
27,328,908
26.26%
1.43%
18,816,220
2,010,892
921,388
52,632
834,023
55,509
8,919
22,699,583
10,066,768
53.26%
5.69%
2.61%
0.15%
2.36%
0.16%
0.03%
64.25%
28.49%
15,023,859
913,089
872,312
171,816
864,061
66,909
24,570
17,936,616
9,392,292
50.49%
3.07%
2.93%
0.58%
2.90%
0.22%
0.08%
60.28%
31.57%
1,630,123
122,421
43,596
34,702
0
1,830,842
4.61%
0.35%
0.12%
0.10%
0.00%
5.18%
2,319,280
382,764
296,530
65,808
0
3,064,382
7.79%
1.29%
1.00%
0.22%
0.00%
10.30%
1,193,986
289,470
772,495
3.38%
0.82%
2.19%
1,271,467
209,922
730,693
113,283
26,825
17,308
-52,271
202,067
307,212
0.32%
0.08%
0.05%
-0.15%
0.57%
0.87%
4,081
12,640
5,294
158,909
31,603
212,527
4.27%
0.71%
2.46%
0.00%
0.00%
0.01%
0.04%
0.02%
0.53%
0.11%
0.71%
1.27%
1.75%
91.85%
0.00%
-354
38,017
20
17,450
284,271
339,758
2,902,921
0.11%
0.00%
0.05%
0.80%
0.96%
8.22%
30,886
2,180
14,140
328,836
376,042
2,800,297
4,155,672
165,706
129,699
2,350
1,047,204
51,647
144,992
315,054
1,016,418
125,618
73,685
16,000
13,448
741,172
76,634
564,013
8,639,312
0
11.76%
0.47%
0.37%
0.01%
2.96%
0.15%
0.41%
0.89%
2.88%
0.36%
0.21%
0.05%
0.04%
2.10%
0.22%
1.60%
24.45%
0.00%
3,898,188
165,563
122,565
1,070
957,305
87,748
167,246
291,466
534,869
127,072
135,277
86,015
9,606
684,196
0
544,432
7,812,618
0
0.00%
0.00%
0.10%
0.01%
0.05%
1.11%
1.26%
9.41%
13.10%
0.56%
0.41%
0.00%
3.22%
0.29%
0.56%
0.98%
1.80%
0.43%
0.45%
0.29%
0.03%
2.30%
1.83%
26.26%
49,240
37,544
86,784
8,726,096
0.14%
0.11%
0.25%
24.70%
25,245
17,208
42,453
7,855,071
0.00%
0.08%
0.06%
0.14%
26.40%
2,412,751
6.83%
1,273,136
4.28%
832,723
47,670
785,053
1,627,698
2.36%
0.13%
2.22%
4.61%
0.00%
0.12%
0.06%
4.78%
100.00%
329,617
342
329,959
943,177
1.11%
0.00%
1.11%
3.17%
0.00%
0.18%
0.01%
3.36%
100.00%
40,723
19,783
1,688,204
35,329,514
53,362
2,790
999,329
29,753,517
Ratios
1
2
3
4
5
6
7
8
9
10
11
12
ROE=NI/TE
ROA =NI/TA
EM=TA/TE
NET PROFIT MARGIN=NET PROFIT/INCOME
AU=TOTAL REV/TA
(NIM)NET INTERSET MARGIN=NII/EARNING ASSETS
ER expense ratio =(total operating expense/TA)
EARNING BASE=EA/TA
EFFICIENCY RATIO=NON INT EXP/NET INT INCOME+NON INT INCOME
SPREAD=INT INCOME/EA-INT EXP/INT BEARING LIABILITIES
BURDEN=NON INT EXP-NON INT INCOME/TA
yield on assets= II/TA
13
14
15
16
17
18
21
22
23
24
25
foreign deposits
retail CDs
other borrowed funds
subordinated notes and debentures
Liquidity Ratios=CA/CL
GROSS PROFIT MARGIN=GROSS PROFIT/INCOME
DEBT TO EQUITY= TL/E
2011
2010
9%
0%
19.3
5%
10%
7%
10%
39%
67%
15%
2%
10%
6%
0%
19.7
3%
9%
8%
9%
35%
64%
25%
2%
9%
7%
1%
3%
0.23%
6%
1%
2%
0.10%
1.19
2.25
0.27
0.20
1.02
0.04
18.67
0.12
0.09
0.02
13%
8%
0.02
5%
58%
0.05
0.59
0.11
0.27
0.02
0.02
0.12
0.22
0.03
0.02
249,332,395
224,996,120
Liquidity Ratios
29 total equity/TA
30 core deposits/TA
laibility yields
31
32
33
34
foreign deposits
retail CDs (fixed deposits)
other borrowed funds (other liab)
subordinated notes and debentures
35
36
37
38
foreign deposits
retail CDs
other borrowed funds
subordinated notes and debentures
0.14
0.36
0.03
0.03
0.16
0.30
0.04
0.03
0.01
0.01
0.00
0.01
0.01
0.00
1.43
1.06
3.01
1.39
0.87
0.21
OE as a %age of OI
42 salaries and employee benefits
43 expenses of premises and fixed assets
44 other non interest expense
135,348,296
1.06
0.05
111,410,383
1.36
0.08