Term Paper on Trust Bank Limited

Submitted to:
Tasneema Afrin
Course Instructor: Financial Information Analysis
Submitted by:
Group 3
Ayasha Sultana (62)
Syeda Salwa Bakht (65)
Rakshanda Zihan (72)
Md. Shabit Shafiullah (80)
Utal Antor (95)
Syed Ashhab Zaman (97)
BBA 19 | IBA
Date of Submission: 17 June, 2014

*All workings are based on the unconsolidated financial statements of Trust Bank Limited. Every year's val
No.
1 Total Interest Income (TII)
Interest Income/Profit on Investment
Income from Investments
Income from Treasury bills
Income from Bangladesh Bank bills
Income from Treasury bonds
Income from Reverse REPO
Income from Other Approved Securities
Income from Debentures & Bond
Profit on Investment of TIB*
Profit on Investmement in Islamic Bank Bond

2 Total Interest Expenses (TIE)

Interest/Profit paid on deposits and borrowings etc.

3 Total Non Interest Income (TNII)

Commission, exchange and brokerage
Other operating income
Income from Investments
Dividend Income

4 Total Non Interest Expenses (TNIE)

Total operating expenses

5 Special Income (SI)

Income from Investment
Profit on sale of Securities
Gain from sales of shares

6 Special Expenses (SE)

Provision for loans & advances/Investments

Provision for Diminution in value of Investment
Other provision
Provision for Taxation

7 Total Assets (TA)

8 Total Revenue Generating Assets (TRAG)

Investments
Loans and Advances/Islami Banking Investments

9 Interest Bearing Liabilities (IBL)

Borrowings from other banks, financial institutions and agents
Deposits and other accounts
Bills Payable
Savings Bank/Mudaraba Savings Deposits
Fixed Deposits/Mudaraba Term Deposits
Bearer Certificates of Deposit
Other Deposits

10 Net Income After Tax (NIAT)

11 Total Operating Revenue (TOR)

Interest income/Profit on Investment
Income from investments
Commission, exchange and brokerage
Other operating income
Total Operating Revenue (TOR)
12 Total Equity (TE)

13 Weighted Average Number of Ordinary Outstanding Shares

14 Profit Attributable to Ordinary Outstanding Shareholders

ncial statements of Trust Bank Limited. Every year's values have been taken from that year's annual report.

2009
4,027,199,131

2010
4,686,638,621

2011
6,271,814,846

23,965,208
616,650,555
10,151,280
17,294,160
4,695,260,334

517,523,957
54,945
9,084,660
71,909,839
15,064,530
5,300,276,552

878,799,241
101,236,370
6,792,500
7,258,642,957

2009
3,112,822,489

2010
3,213,947,255

2011
5,386,471,372

2009
355,614,342
412,645,488

2010
465,133,566
741,418,369

2011
606,497,350
194,177,684

24,331,156
792,590,986

32,328,818
1,238,880,753

97,585,927
898,260,961

2009
1,109,313,775

2010
1,365,390,204

2011
1,499,890,322

2009

2010

2011

92,639,065
92,639,065

317,841,405
317,841,405

275,522,874
14,514,211
290,037,085

2009
212,426,000
-20,692,205
16,046,017
539,668,471
747,448,283

2010
53,500,000
11,134,747
72,662,701
865,588,249
1,002,885,697

2011
182,232,000
69,557,420
4,589,988
687,990,813
944,370,221

2009
54,206,648,607

2010
58,276,332,285

2011
76,215,221,143

2009
8,705,609,007
32,663,107,783
41,368,716,790

2010
8,559,939,769
39,799,923,991
48,359,863,760

2011
9,654,676,043
50,801,744,235
60,456,420,278

2009
153,403,792

2010
463,945,447

2011
2,343,073,502

602,883,159
4,230,046,723
38,774,898,962

656,010,698
5,336,185,241
38,739,716,060

555,764,433
5,822,755,118
51,281,760,689

43,761,232,636

45,195,857,446

60,003,353,742

2009
610,905,838

2010
1,274,775,554

2011
616,209,088

2009
4,027,199,131
785,031,424
355,614,342
412,645,488
5,580,490,385

2010
4,686,638,621
963,808,154
465,133,566
741,418,369
6,856,998,710

2011
6,271,814,846
1,374,451,123
606,497,350
194,177,684
8,446,941,003

2009
3,754,866,056

2010
5,025,357,187

2011
5,526,760,548

Shares
2009
18,480,052

2010
22,176,062

2011
266,112,740

2009
610,905,838

2010
1,274,775,554

2011
616,209,088

lders

2012
8,343,784,809

2013
7,068,518,649

61,660,138
686,389,640
88,075,329
11,027,280
9,190,937,196

30,489,642
6,451,000
1,023,038,476
172,603
56,985,708
16,860,510
8,202,516,588

2012
7,053,722,027

2013
6,457,552,417

2012
572,896,012
231,242,009

2013
540,585,223
212,170,614

42,566,453
846,704,474

13,529,958
766,285,795

2012
1,843,409,678

2013
1,342,934,498

2012

2013

16,922,080
16,922,080

5,326,558
5,326,558

2012
432,975,000
699,007
29,932,904
511,125,844
974,732,755

2013
362,278,000
14,331,265
77,731,043
498,024,842
952,365,150

2012
2013
95,260,778,173 112,231,217,843

2012
13,622,109,812
54,616,060,058
68,238,169,870

2103
16,706,203,270
72,078,611,428
88,784,814,698

2012
2,834,806,984

2013
2,942,115,132

925,782,935
6,590,789,934
64,824,367,795

923,790,264
8,303,126,175
76,305,121,488

75,175,747,648

88,474,153,059

2012
182,699,290

2013
221,276,876

2012
8,343,784,809
906,640,920
572,896,012
231,242,009
10,054,563,750

2013
7,068,518,649
1,152,854,455
540,585,223
212,170,614
8,974,128,941

2012
6,512,890,952

2013
6,731,425,524

2012
330,931,177

2013
380,541,220

2012
182,699,290

2013
221,276,876

*TIB means Trust Bank Islamic Banking. Any profit earned on these operations are in effect a form of interest.

form of interest.

Workings No.

1,2,7
3,4,7
5,6,7

TII-TIE/TA
TNII-TNIE/TA
SI-SE/TA
ROA

Return on Assets (ROA)

2009
2010
2011
0.0292
0.0358
0.0246
-0.0058
-0.0022
-0.0079
-0.0121
-0.0118
-0.0086
1.13%
2.19%
0.81%

2012
0.0224
-0.0105
-0.0101
0.19%

2013
0.0155
-0.0051
-0.0084
0.20%

Workings No.

10,11
11,7
7,12

NIAT/TOR
TOR/TA
TA/TE
ROE

2009
0.1095
0.1029
14.4364
16.27%

Return on Equity (ROE)

2010
2011
0.1859
0.0730
0.1177
0.1108
11.5965
13.7902
25.37%
11.15%

2012
0.0182
0.1055
14.6265
2.81%

2013
0.0247 *This is known as the Ne
0.0800 *This is known as the As
16.6727 *This is known as the Fin
3.29%

*This is known as the Net Profit Margin

*This is known as the Asset Utilization Ratio or Total Asset Turnover
*This is known as the Financial Leverage or Equity Multiplier

Workings No.

7
12
#1 ROA

TA
TE
EM
ROA
ROE

Relationship between ROA and ROE

2009
2010
2011
2012
54,206,648,607 58,276,332,285 76,215,221,143 95,260,778,173
3,754,866,056 5,025,357,187 5,526,760,548 6,512,890,952
14.43637344
11.59645576
13.79021589
14.62649672
0.0113
0.0219
0.0081
0.0019
16.27%
25.37%
11.15%
2.81%

2013
112,231,217,843
6,731,425,524
16.67272667
0.0020
3.29%

Workings No.

1
2

TII
TIE
NII

Net Interest Income (NII) or Net Interest Margin (NIM)

2009
2010
2011
2012
4,695,260,334 5,300,276,552 7,258,642,957 9,190,937,196
3,112,822,489 3,213,947,255 5,386,471,372 7,053,722,027
1,582,437,845 2,086,329,297 1,872,171,585 2,137,215,169

gin (NIM)
2013
8,202,516,588
6,457,552,417
1,744,964,171

Workings No.

#3 NII
8

Net Interest Margin as a % of Total Revenue Generating Assets

2009
2010
2011
NIM
1,582,437,845 2,086,329,297 1,872,171,585
TRGA
41,368,716,790 48,359,863,760 60,456,420,278
NIM as a % of TRGA
3.83%
4.31%
3.10%

enue Generating Assets

2012
2013
2,137,215,169 1,744,964,171
68,238,169,870 88,784,814,698
3.13%
1.97%

Workings No.

3
4
8

Net Non Interest Margin as a % of Total Revenue Generating Assets

2009
2010
2011
TNII
792,590,986 1,238,880,753
898,260,961
TNIE
1,109,313,775 1,365,390,204 1,499,890,322
NNIM
-316,722,789 -126,509,451 -601,629,361
TRGA
41,368,716,790 48,359,863,760 60,456,420,278
NNIM as a % of TRGA
-0.77%
-0.26%
-1.00%

venue Generating Assets

2012
2013
846,704,474
766,285,795
1,843,409,678 1,342,934,498
-996,705,204 -576,648,703
68,238,169,870 88,784,814,698
-1.46%
-0.65%

Workings No.

14
13

Earning Per Share (EPS)

2009
Profit Attributable to Ordinary Outstanding Shares
610,905,838
Weighted Average Number of Ordinary Outstanding Shares
18,480,052
EPS
33.06

Share (EPS)
2010
2011
2012
2013
1,274,775,554 616,209,088 182,699,290 221,276,876
22,176,062 266,112,740 330,931,177 380,541,220
57.48
2.32
0.55
0.58

Workings No.

1,8
2,9

TII/TRGA
TIE/IBL
ES

Earnings Spread (ES)

2009
2010
2011
2012
0.1134978 0.1096007 0.1200641 0.1346891
0.071131965 0.0711115 0.0897695 0.0938298
0.0424
0.0385
0.0303
0.0409

2013
0.0923865
0.072988
0.0194

2009
Interest Sensitive Assets (ISA)
Balance with other banks and financial institutions
Over 1 Year but not more than 5 Years
Over 5 Years
Loans and Advances including Bills Purchased and Discounted
Over 1 Year but not more than 5 Years
Over 5 Years
Total ISA

0
0

9,783,526,909
3,139,624,420
12,923,151,329

Interest Sensitive Liabilitites (ISL)

Borrowings from other banks, financial institutions and agents
Over 1 Year but within 5 Years
Over 5 Years
Deposits and Other Accounts
Bills payable
Savings Bank Deposits/Mudaraba Savings Deposits
Total ISL
Total Bank Size

Ratios:
Interest Sensitive Gap

74,422,584
0

602,883,159
4,230,046,723
4,907,352,466
54,206,648,607

2009
8,015,798,863

Relative Interest Sensitive Gap

0.1479

Interest Sensitivity Ratio

2.6334

2010

2011

2012

2013

0
0

0
0

0
0

0
0

11,144,025,593 12,543,104,618 15,307,327,147

6,818,603,159
6,076,828,476
3,882,210,050
17,962,628,752 18,619,933,094 19,189,537,197

13,647,893,501
8,636,537,534
22,284,431,035

nsitive Assets (ISA)

tive Liabilitites (ISL)

0
0

656,010,698
5,336,185,241
5,992,195,939

1,727,837,204
501,970,588

6,590,789,934
0

1,600,000,000
0

555,764,433
925,782,935
5,822,755,118
4,329,758,940
8,608,327,343 11,846,331,809

923,790,264
8,303,126,175
10,826,916,439

58,276,332,285 76,215,221,143 95,260,778,173 112,231,217,843

2010

2011

2012

2013

11,970,432,813

10,011,605,751

7,343,205,388

11,457,514,596

0.2054

0.1314

0.0771

0.1021

2.9977

2.1630

1.6199

2.0582

Investment
On demand
Upto 1 month
Over 1 month but not more than 3 months
Over 3 months but not more than 1 year
Upto 1 year
Over 1 year but not more than 5 years
Over 5 years
Total Investments
Less than 1 year
Over 1 year but less than 5 years
Over 5 years
Investment Maturity Strategy

Investment Maturity Strategy

2009
2010
2011
674,560,238 1,008,513,588 1,190,661,222
149,730,900
2,642,000
192,982,664
492,387,575
385,629,678
1,402,903,480 1,008,513,588 1,685,690,797
4,387,575,232 6,260,224,075 4,628,989,763
2,915,130,295 1,291,202,106 3,339,995,483
8,705,609,007 8,559,939,769 9,654,676,043
2009
2010
2011
16%
12%
17%
50%
73%
48%
33%
15%
35%
Front End Load

Front End Load

Front End Load

80%
70%
60%
50%
Less than 1 year
40%

Over 1 year but less than 5 years

Over 5 years

30%
20%
10%
0%
2009

2010

2011

2012

2013

tegy

but less than 5 years

2012
3,279,300
2,639,256,136
445,611,870
2,912,443,085
6,000,590,391
540,000,000
7,081,519,421
13,622,109,812
2012
44%
4%
52%

2013
3,460,800
1,814,254,392
926,438,844
7,431,221,060
10,175,375,096
1,378,701,841
5,152,126,333
16,706,203,270
2013
61%
8%
31%

Barbell

Front End Load

Source of Data
Balance Sheet

Notes to Investment: Maturity Wise Grouping

stment: Maturity Wise Grouping

Cash Position Indicator

Cash
Deposits
Cash and Deposits
Total Assets
Cash Position Indicator

2009
3,433,828,769
48,464,639,673
51,898,468,442
54,206,648,607
0.9574

2010
4,641,502,209
50,413,290,971
55,054,793,180
58,276,332,285
0.9447

Short Term Securities

Total Assets
Liquid Securities Indicator

1,402,903,480
54,206,648,607
0.0259

1,008,513,588
58,276,332,285
0.0173

Loans and Leases

Provision for Loans and Leases
Net Loans and Leases
Total Assets
Capacity Ratio

32,663,107,783
212,426,000
32,450,681,783
54,206,648,607
0.5986

39,799,923,991
53,500,000
39,746,423,991
58,276,332,285
0.6820

2009
437,348,059

2010
519,467,958

206,812,291
2,270,191,145
1,069,480,000
540,000,000
3,550,000,000

507,149,171
231,243,573
0
0
0

674,560,238
149,730,900
192,982,664
385,629,678

1,008,513,588
0
0
0

7,184,931,825
7,184,931,825
3,217,024,353
7,149,219,383
34,212,842,361

5,099,223,861
3,606,231,220
3,849,091,227
9,282,748,931
24,103,669,529

Money Market Assets

Cash In Hand
Balance with Other Banks
On demand
Upto 1 month
Over 1 month but not more than 3 months
Over 3 months but not more than 1 Year
Money at Call
Investments
On demand
Upto 1 month
Over 1 month but not more than 3 months
Over 3 months but not more than 1 Year
Loans and Advances
On demand
Upto 1 month
Over 1 month but not more than 3 months
Over 3 months but not more than 1 Year
Total Money Market Assets
Money Market Liabilities
Borrowings from Other Banks
On demand
Upto 1 month
Over 1 month but not more than 3 months
Over 3 months but not more than 1 Year
Deposits and other accounts
On demand

2009

2010

0
0
5,247,000
40,225,791

463,945,447
0
0
0

4,529,532,531

7,883,096,592

Upto 1 month
Over 1 month but not more than 3 months
Over 3 months but not more than 1 Year
Total Money Market Liabilities
Hot Money Ratio

8,164,791,010
8,164,791,010
17,937,500,074
38,842,087,416
0.881

7,902,898,456
14,688,281,202
16,363,997,894
47,302,219,591
0.510

Scheme Deposits under Conventional Banking

Scheme Deposits under Islamic Banking (Mudaraba)
Deposit Under Schemes
Total Assets
Core Deposit Ratio

3,244,506,691
9,038,344
3,253,545,035
54,206,648,607
0.0600

3,742,144,956
31,269,956
3,773,414,912
58,276,332,285
0.0648

Conventional Banking Current Account

Islamic Banking (Al-wadeeah) Current Account
Demand Deposit
Term Deposit
Deposit Composition Ratio

2,202,202,211
17,303,487
2,219,505,698
38,774,898,962
0.0572

2,698,132,604
33,016,922
2,731,149,526
38,739,716,060
0.0705

2011
5,699,053,332
65,819,509,706
71,518,563,038
76,215,221,143
0.9384

2012
8,204,226,900
82,997,326,078
91,201,552,978
95,260,778,173
0.9574

2013
9,993,680,824
99,152,361,329
109,146,042,153
112,231,217,843
0.9725

Source of Data
Balance Sheet Cash
Balance Sheet Deposits and Other Accounts
Balance Sheet

Total Assets

1,685,690,797
76,215,221,143
0.0221

6,000,590,391
95,260,778,173
0.0630

10,175,375,096
112,231,217,843
0.0907

Balance Sheet
Balance Sheet

Notes to Investment: Maturity Wise Grou

Total Assets

50,801,744,235
182,232,000
50,619,512,235
76,215,221,143
0.6642

54,616,060,058
432,975,000
54,183,085,058
95,260,778,173
0.5688

72,078,611,428
362,278,000
71,716,333,428
112,231,217,843
0.6390

Balance Sheet,
Profit and Loss,

Loans and Advances/Islami Banking Invest

Provision for loans and advances /Investm

Balance Sheet

Total Assets

2011
1,087,074,071

2012
2,080,875,831

2013
2,000,585,481

Balance Sheet
Balance Sheet

Asset side Notes: Maturity Grouping of Ba

1,175,937,367
122,995,550
2,549,000,000
0
1,440,000,000

1,609,360,854
256,869,760
0
50,000,000
11,750,000,000

1,803,827,640
2,939,596,223
570,250,000
250,000,000
2,400,000,000
Balance Sheet

Asset side Notes: Maturity Grouping of Inv

1,190,661,222
2,642,000
492,387,575
0

3,279,300
2,639,256,136
445,611,870
2,912,443,085

3,460,800
1,814,254,392
926,438,844
7,431,221,060
Balance Sheet

Asset side Notes: Maturity Grouping of Lo

Balance Sheet

Liability side Notes: Maturity grouping of B

Balance Sheet

Liability side Notes: Maturity grouping of D

8,014,358,957
2,880,738,424
5,721,026,685
15,565,687,075
40,242,508,926

5,251,875,469
3,757,641,448
7,530,563,336
18,886,442,608
57,174,219,697

7,207,861,143
4,556,050,183
4,556,050,183
27,722,054,388
64,181,650,337

2011

2012

2013

0
113,265,710
0
0

0
316,518,662
51,828,832
529,572,080

0
278,440,255
64,370,488
999,304,389

9,666,620,744

1,846,971,881

1,846,971,881

12,721,038,498
19,462,771,646
3,193,121,246
45,156,817,844
0.891

26,436,900,000
31,310,943,326
17,572,752,820
78,065,487,601
0.732

19,035,799,366
32,453,706,816
17,488,724,311
72,167,317,506
0.889

5,325,017,412
61,005,829
5,386,023,241
76,215,221,143
0.0707

7,423,494,630
92,559,143
7,516,053,773
95,260,778,173
0.0789

9,259,476,555
120,264,895
9,379,741,450
112,231,217,843
0.0836

Balance Sheet
Balance Sheet

Notes to Deposits: Fixed Deposits/Mudar

Notes to Deposits: Fixed Deposits/Mudara

Balance Sheet

Total Assets

4,010,903,169
31,054,040
4,041,957,209
51,281,760,689
0.0788

5,759,466,654
40,009,201
5,799,475,855
64,824,367,795
0.0895

8,400,031,900
88,779,707
8,488,811,607
76,305,121,488
0.1112

Balance Sheet
Balance Sheet

Notes to Deposits: Current / Al-wadeeah C

Notes to Deposits: Current / Al-wadeeah C

Balance Sheet

Fixed Deposits / Mudaraba Term Deposits

posits and Other Accounts

otes to Investment: Maturity Wise Grouping

ans and Advances/Islami Banking Investments

ovision for loans and advances /Investments

set side Notes: Maturity Grouping of Balance with other Banks

set side Notes: Maturity Grouping of Investments

set side Notes: Maturity Grouping of Loans and Advances

ability side Notes: Maturity grouping of Borrowings with other banks

ability side Notes: Maturity grouping of Deposits and other accounts

otes to Deposits: Fixed Deposits/Mudaraba Term Deposits

otes to Deposits: Fixed Deposits/Mudaraba Term Deposits

otes to Deposits: Current / Al-wadeeah Current Accounts and other Accounts

otes to Deposits: Current / Al-wadeeah Current Accounts and other Accounts

xed Deposits / Mudaraba Term Deposits

Par Value
Surplus
Undivided Profit
Provision for Loan Losses
GAAP Capital Requirement

2009
1,848,005,200
182,001,600
463,963,772
212,426,000
2,706,396,572

2010
2,217,606,200
1,123,067,166
53,500,000
3,394,173,366

2011
2,661,127,400
1,034,915,074
182,232,000
3,878,274,474

Par Value
Surplus
Undivided Profit
Provision for Loan Losses
Equity Reserve
Minority Interest
Subordinated Debenture
Perpetual Preferred Stock
RAP Capital Requirement

1,848,005,200
182,001,600
463,963,772
212,426,000
2,706,396,572

2,217,606,200
1,123,067,166
53,500,000
3,394,173,366

2,661,127,400
1,034,915,074
182,232,000
2,000,000,000
5,878,274,474

Current Market Price per Share

No of Shares Outstanding
Market Value Capital

434.00
18,480,052
8,020,342,568

753.25
22,176,062
16,704,118,702

42.90
266,112,740
11,416,236,546

2012
3,459,465,640
532,225,500
546,623,857
432,975,000
4,971,289,997

2013
3,805,412,200
532,225,500
278,093,829
362,278,000
4,978,009,529

Source of Data
Balance Sheet
Balance Sheet
Balance Sheet
Profit and Loss

Paid-up Capital
Share Premium Account
Retained Earnings
Provision for Loans and Advances/Investments

3,459,465,640
532,225,500
546,623,857
432,975,000
2,000,000,000
6,971,289,997

3,805,412,200
532,225,500
278,093,829
362,278,000
2,000,000,000
6,978,009,529

Balance Sheet
Balance Sheet
Balance Sheet
Profit and Loss

Paid-up capital
Share premium
Retained earnings
Provision for Loans and Advances/Investments

Balance Sheet

Notes to Borrowings from Other Banks, Financial Institu

25.00
345,946,564
8,648,664,100

20.00
380,541,220
7,610,824,400

Financial Highlights, DSE

Financial Highlights, DSE

Close Price
Total number of securities

Loans and Advances/Investments

Loans and Advances/Investments

owings from Other Banks, Financial Institutions And Agents

Par Value
Surplus
Undivided Profit
Minority Interest
Cumulative Perpetual Preferred Stock
Core Capital
Total Assets
Leverage Ratio

2009
1,848,005,200
182,001,600
463,963,772
2,493,970,572
54,206,648,607
0.0460

Leverage Ratio
2010
2,217,606,200
1,123,067,166
3,340,673,366
58,276,332,285
0.0573

ge Ratio

Source of Data
2011
2,661,127,400
1,034,915,074
3,696,042,474
76,215,221,143
0.0485

2012
3,459,465,640
532,225,500
546,623,857
4,538,314,997
95,260,778,173
0.0476

2013
3,805,412,200
532,225,500
278,093,829
4,615,731,529
112,231,217,843
0.0411

Balance Sheet
Balance Sheet
Balance Sheet

Paid-up Capital
Share Premium Account
Retained Earnings

Paid-up Capital
Share Premium Account
Retained Earnings

Par Value
Surplus
Undivided Profit
Minority Interest
Cumulative Perpetual Preferred Stock
Tier I or Core Capital

Tier I or Core Capital

2009
2010
1,848,005,200
2,217,606,200
182,001,600
463,963,772
1,123,067,166
2,493,970,572
3,340,673,366

ore Capital

Source of Data
2011
2,661,127,400
1,034,915,074
3,696,042,474

2012
3,459,465,640
532,225,500
546,623,857
4,538,314,997

2013
3,805,412,200
532,225,500
278,093,829
4,615,731,529

Balance Sheet
Balance Sheet
Balance Sheet

Paid-up Capital
Share Premium Account
Retained Earnings

Paid-up Capital
Share Premium Account
Retained Earnings

Provision for Loan Losses

Unsecured Subordinated Non-Convertible Bond/ Subordinated Bonds
Mandatory Convertible Bond/Debenture
Cumulative Prefered Stock
Intermediate Term Preferred Stock
Equity Notes
Tier II or Supplemental Capital

Tier II or Supplemental Capital

2009
212,426,000
212,426,000

r Supplemental Capital

Source of data
2010
53,500,000
53,500,000

2011
182,232,000
2,000,000,000
2,182,232,000

2012
432,975,000
2,000,000,000
2,432,975,000

2013
362,278,000
2,000,000,000
2,362,278,000

Profit and Loss

Balance Sheet

Provision for Loans and Advances/Investments

Notes to Borrowings from Other Banks, Financial Institutions And Agents

Tier I or Core Capital

Total Risk Weighted Assets (TRA)
Tier I or Core Capital to TRA

Tier I or Core Capital to TRA

2009
2010
2011
2,493,970,572
3,340,673,366
3,696,042,474
33,297,681,000
63,209,700,000
71,758,100,000
7%
5%
5%

Source of Data
2012
4,538,314,997
72,166,700,000
6%

2013
4,615,731,529
88,042,300,000
5%

Sheet # 17 Tier I or Core Cap

Balance Sheet

Notes to Capital: Capital Adequacy Rat

apital: Capital Adequacy Ratio under SOLO Basis

Tier I or Core Capital

Tier II or Supplemental Capital
Tier I + Tier II
Total Risk Weighted Assets (TRA)
Tier I + Tier II to TRA

Tier I + Tier II to TRA

2009
2010
2011
2,493,970,572 3,340,673,366 3,696,042,474
212,426,000
53,500,000 2,182,232,000
2,706,396,572 3,394,173,366 5,878,274,474
33,297,681,000 63,209,700,000 71,758,100,000
8%
5%
8%

Source of Data
2012
2013
4,538,314,997 4,615,731,529
2,432,975,000 2,362,278,000
6,971,289,997 6,978,009,529
72,166,700,000 88,042,300,000
10%
8%

Sheet # 17 Tier I or Core Cap

Sheet # 18 Tier II or Sup Cap
Balance Sheet

Notes to Capital: Capital Adequacy Ratio unde

ital Adequacy Ratio under SOLO Basis

Workings No.
Internal Capital Growth Rate
2009
2010
2011
2012
2013
10,11
Net Profit Margin
0.1095 0.1859 0.0730 0.0182 0.0247
11,7
Asset Utilization
0.1029 0.1177 0.1108 0.1055 0.0800
7,12
Equity Multiplier
14.4364 11.5965 13.7902 14.6265 16.6727
10, Sheet #17 Retention Ratio
0.7595 0.8810 1.6795 2.9919 1.2568
IGCR
12.36% 22.35% 18.73% 8.39% 4.13%