Year

Total Assets
Deposits
Advances
Investments
Pre-Tax Profit
After-Tax Profit
Earnings Per Share (Rs.)
No. of Branches
No. of Employees

2008
817758
624939
412987
170822
23001
15459
8.36
1276
15441

Rupees in Millions
2009
2010
2011
944583 1037750 1149578
727465
832152
927421
475243
477507
525046
217643
301324
319531
21300
24415
26011
17562
17563
17605
9.49
9.49
9.52
1287
1289
1300
16248
16457
16924

2012
1309339
1037785
657381
343538
23258
16163
8.74
1317
16440

400000
350000
300000
250000
200000
150000
100000
50000
0

Investments(Rs. In Million)
301324

319531

343538

217643
170822

2008

2009

2010

2011

2012

Rupees in Millions
Year
Share Capital
Reserves
Borrowings
Deposits
Other Liabilities
Horizontal Analysis (%)
Share Capital
Reserves
Borrowings
Deposits
Other Liabilities

2008
8,969
19,941
40,458
624,939
39,656
100
100
100
100
100

2009
2010
2011
10,764
13,455
16,818
22,682
24,450
25,343
45,278
20,104
26,372
727,465 832,152 927,421
42,269
46,160
53,951
120
114
112
116
107

150
123
50
133
116

188
127
65
148
136

2012
18,500
28,818
50,251
1,037,785
55,628
206
145
124
166
140

39,656

2008

Other Liabilities (,000)

53,951
39,656

42,269

2009

55,628

46,160

2010

2011

2012

Rupees in Millions
Year
2008
Lending's to Financial Institutions
17,128,032
Investments
170,822,491
Advances
412,986,865
Operating Fixed Assets 24,217,655
Other Assets
44,550,347
Horizontal Analysis (%)
Lending's to Financial Institutions100
Investments
100
Advances
100
Operating Fixed Assets
100
Other Assets
100

2009
19,587,176
217,642,822
475,243,431
25,147,192
59,666,438
114
127
115
104
134

2010
23,025,156
301,323,804
477,506,564
26,888,226
53,496,240

2011
44,380,396
319,531,213
525,045,764
27,453,815
65,973,449

2012
8,272,645
343,537,529
657,381,154
27,949,833
80,162,206

48 (,000)
Other Assts

134
176
90,000,000
116
80,000,000
111
70,000,000
120

259
187
127
113
148

201
159
115
180

60,000,000
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000
2008

2009

2010

2011

2012

er Assts (,000)

2012

Assets
Cash and balances with
treasury banks
Balances with other banks
Lending's to financial
institutions
Investments
Advances
Operating fixed assets
Deferred tax assets
Other assets

2008

2009

2010

2011

106503756
38344608

115,827,868
28,405,564

115,442,360
30,389,664

131,675,907
27,581,695

17128032
170822491
412986865
24217655
3204572
44550347
817758326

19,587,176
217,642,822
475,243,431
25,147,192
3,062,271
59,666,438
944,582,762

23,025,156
301,323,804
477,506,564
26,888,226
6,952,666
53,496,240
1,035,024,680

44,380,396
319,531,213
525,045,764
27,453,815
7,935,497
65,973,449
1,149,577,736

10219061

10,621,169

8,006,631

9,104,710

40458926
624939016

45,278,138
727,464,825

20,103,591
832,151,888

26,371,675
927,421,438

25274

42,629

106,704

76,477

39656831
715299108
102459218

42,269,623
825,676,384
118,906,378

46,160,038
906,528,852
128,495,828

55,628,666
1,158,061,555
151,277,750

8969751
19941047
52456204
81367002
21092216
102459218

10,763,702
22,681,707
60,696,510
94,141,919
24,764,459
118,906,378

13,454,628
24,450,244
65,857,438
103,762,310
24,733,518
128,495,828

18,500,114
28,818,528
68,715,995
116,034,637
35,243,113
151,277,750

LIABILITIES
Bills payable
Borrowings from financial
institutions
Deposits and other accounts
Sub-ordinated loans
Liabilities against assets
subject to finance lease
Deferred tax liabilities net
Other liabilities

Net Assets
Represented By
Share capital
Reserves
Unappropriated Profit
Surplus

2012
158,332,708
30,222,338
8,272,645
343,537,529
657,381,154
27,949,833
3,480,892
80,162,206
1,309,339,305
14,367,639
50,250,684
1,037,784,947

29,619

2008
(%)

2009
(%)

2011
(%)

2012
(%)

100

109

(108)

124

149

Balances with other banks

Lending's to financial
institutions

100

74

(79)

72

79

Investments

100

114

(134)

259

48

100

127

(176)

187

201

Advances

100

115

(116)

127

159

Operating fixed assets

100

104

(111)

113

115

Deferred tax assets

100

96

(217)

248

109

Other assets

100

134

(120)

148

180

100

116

(127)

141

160

Bills payable
Borrowings from financial
institutions

100

104

(78)

89

141

100

112

(50)

65

124

Deposits and other accounts

100

116

(133)

148

166

Sub-ordinated loans
Liabilities against assets
subject to finance lease

100

169

(422)

303

117

100

107

(116)

140

140

Assets
Cash and balances with
treasury banks

2010
(%)

Deferred tax liabilities net

55,628,666
1,158,061,555
151,277,750
18,500,114
28,818,528
68,715,995
116,034,637
35,243,113
151,277,750

Other liabilities

100

115

(127)

162

162

Net Assets

100

116

(125)

148

148

Share capital

100

120

(150)

206

206

Reserves

100

114

(123)

145

145

Unappropriated Profit

100

116

(126)

131

131

100

116

(128)

143

143

100

117

(117)

167

167

100

116

(125)

148

148

Surplus

Rupees in Millions
Markup/Return/Interest earned
Markup/Return/Interest Expensed

2008

2009

2010

2011

60,942,798
23,884,768

77,947,697
40,489,649

88,472,134
45,250,476

95,325,179
48,515,618

Net markup/interest income

37,058,030
Provisions against non-performing advances
10,593,565
Provision for diminution in the value of investments
373,249
Provision against off balance sheet obligations 4,000
10,970,814
Net Markup
26,087,216

37,458,048
11,043,469
605,629
20,237
11,669,335
25,788,713

43,221,658
7,011,046
2,954,678
3,965
9,969,689
33,251,969

46,809,561
6,201,358
3,137,768
9,339,126
37,470,435

8,930,391
1,920,336
3,028,165
4,591,894
2,355
552,216
44,814,070

9,631,579
1,099,493
2,211,139
2,512,363
6,730
2,171,336
50,884,609

9,587,856
1,747,073
3,132,461
2,390,211
(41,011)
2,520,458
56,807,483

Non Markup /Interest Income

Fee, Commission & brokreage
7,925,370
Dividend income
2,878,932
Income from dealing in foreign currencies 3,969,057
Gain on lsale & redemption of securities
395,427
Investments classified as held for trading
1,707
Other income
1,245,269
Total Income
42,503,078

Non Markup /Interest Expenses

Administration expenses
Other provisions written off
Other charges
Total non markup/interest expenses
Profit before Taxation

18,171,198
747,521
583,361
19,502,080
23,000,998

22,571,470
620,780
321,647
23,513,897
21,300,173

26,202,577
148,026
118,887
26,469,490
24,415,119

30,117,272
541,186
137,852
30,796,310
26,011,173

Taxation:

11,762,650
(4,220)
7,542,408

8,871,513
(4,133,282)
(999,904)
17,561,846

9,835,048
(939,256)
(2,043,887)
17,563,214

9,193,471
260,000
(1,047,020)
17,604,722

Current
Prior Years
Deferred

Profit after taxation

2012
100,092,132
56,417,827

Rupees in Millions

2008
(%)

2009
(%)

2010
(%)

Markup/Return/Interest earned
Markup/Return/Interest Expensed

100
100

128
170

145
189

43,674,305
7,155,149
842,111
7,997,260
35,677,045

Net markup/interest income

100

101

117

Provisions against non-performing advances

100

104

66

Provision for diminution in the value of investments

Provision against off balance sheet obligations

100
100

162
506

792
99

100

106

91

Net Markup

100

99

127

10,706,506
3,626,356
3,703,319
3,220,442
(2,472)
2,595,171
59,526,367

Fee, Commission & brokreage

100

113

122

Dividend income

100

67

38

Income from dealing in foreign currencies

100

76

56

Gain on lsale & redemption of securities

100

1,161

635

Investments classified as held for trading

Other income

100
100

138
44

394
174

Total Income

100

105

120

35,736,823
371,514
160,324
36,268,661
23,257,706

Administration expenses

100

124

144

Other provisions written off

100

83

20

Other charges
Total non markup/interest expenses

100
100

55
121

20
136

Profit before Taxation

100

93

106

7,526,333
(431,262)
16,162,635

Taxation:

100

75

84

100
100

23,694
233

48,433
233

Current

Prior Years
Deferred
Profit after taxation

2011
(%)

2012
(%)

156
203

164
236

126

118

59

68

841
-

226
-

85

73

144

137

121

135

61

126

79

93

604

814

(2,403)
202

(145)
208

134

140

166

197

72

50

24
158

27
186

113

101

78

64

24,811
233

10,219
214

Year
Ratio%

2008 2009 2010 2011 2012

0.13 0.13 0.12 0.17 0.47

Loan Loss Coverage

Year
Ratio%

2008 2009 2010 2011 2012

112.4 97.77 89.57 93.47 91.17

Debt to Equity

Year
Ratio%

2008 2009 2010 2011 2012

47.42 58.01 62.99 57.56 66.08

advances to deposits

Year
Ratio%

2008 2009 2010 2011 2012

4.09 2.85 2.96 3.07 2.69

Cash Ratio

Year
Ratio%

2008 2009 2010 2011 2012

0.83 0.96 1.02
1 1.12

current ratio

Year
Ratio%

2008 2009 2010 2011 2012

0.025 0.041 0.052 0.047 0.036

Return on deposits

Year
Ratio%

2008 2009 2010 2011 2012

0.011 0.021 0.026 0.024 0.018

return on investment

Year
Ratio%

2008 2009 2010 2011 2012

2.92 3.95 4.25 4.12 4.13

return on capital

Year
Ratio%

2008 2009 2010 2011 2012

0.03 0.05 0.06 0.05 0.05

assets turnover

Year
Ratio%

2008 2009 2010 2011 2012

29.57 37.72 38.59 37.63 25.36

net profit margin

Year
Ratio%

2008 2009 2010 2011 2012

57.17 56.55 59.65 55.48 37.74

gross profit margin