Professional Documents
Culture Documents
Board of Directors
Mr. Christos Papadopoulos Mr. Mohsin Ali Nathani Mr. Andrew James Hardacre Mr. Raheel Ahmed Mr. Najam I. Chaudhri Mr. Shahid Zaki Mr. Parvez Ghias Chairman Chief Executive Officer
Registered Office
Standard Chartered Bank (Pakistan) Limited P.O. Box No. 5556, I.I. Chundrigar Road Karachi 74000 Pakistan Tel: (021) 32450000 Fax: (021) 32414914
Main Office
Standard Chartered Bank (Pakistan) Limited P.O. Box No. 5556, I.I. Chundrigar Road Karachi 74000 Pakistan Tel: (021) 32450000 Fax: (021) 32414914 Chairman Member Member
Company Secretary
Mr. Rahim Panjwani
Website
www.standardchartered.com.pk
Auditors
M/s KPMG Taseer Hadi & Co Chartered Accountants
Legal Advisors
Haidermota & Co Barristers at Law & Corporate Counselors
www.standardchartered.com.pk
01
Table of Contents
Page Notice of Annual General Meeting Directors Report Managements Statements on Internal Controls and Risk Management Framework Report of Shariah Advisor Auditors Report on Statement of Compliance with the Code of Corporate Governance Statement of Compliance with the Code of Corporate Governance Auditors Report to the Members Un-Consolidated Financial Statements Auditors Report to the Members on Consolidated Financial Statements Consolidated Financial Statements Pattern of Shareholding Form of Proxy 03 05 08 12 14 15 19 20 85 86 149
02
www.standardchartered.com.pk
www.standardchartered.com.pk
03
3. 4.
ii) In case of corporate entity, the Board of Directors' resolution / power of attorney with specimen signature of the nominee shall be produced at the time of the Meeting. B. For Appointing Proxies: i) In case of individuals, the account holder or sub-account holder and / or the person whose securities are in group account and their registration details are uploaded as per the Regulations, shall submit the proxy form as per the above requirement.
ii) The proxy form shall be witnessed by two persons whose names, addresses and CNIC numbers shall be mentioned on the form. iii) Attested copies of CNIC or the passport of the beneficial owners and the proxy shall be furnished with the proxy form. iv) The proxy shall produce his original CNIC or original passport at the time of the Meeting. v) In case of corporate entity, the Board of Directors' resolution / power of attorney with specimen signature shall be submitted along with proxy form to the Bank. Statement under section 160(1) (b) The meeting fee payable to the non-executive members of the Board was approved by the Board of Directors in terms of Article 60 of the Articles of Association of the Bank. This meeting fee requires approval of the shareholders in Annual General Meeting in terms of paragraph C-2 of Regulation G-1 of prudential regulations for Corporate / Commercial Banking issued by the State Bank of Pakistan. The non-executive members of the Board are interested in the payment of fees and remaining members of the Board have no interest in the matter.
04
www.standardchartered.com.pk
Directors Report
On behalf of the Board of Directors, I am pleased to present the Directors' Report of Standard Chartered Bank (Pakistan) Limited (SCBPL) along with the audited financial statements and auditors' report thereon for the year ended 31 December 2010. Economy The year 2010 ended on a challenging note due to the damage caused by the floods, estimated at USD 10 billion (5.2% of GDP) by the World Bank with 20 million people displaced and significant damage to crops and public infrastructure. However, the economy has received a significant boost through record high exports and remittances. Record high remittances and strong growth in rural incomes due to higher commodity prices (including cotton, wheat and sugar) will sustain private consumption spending and offset impact of floods on the economy. FX reserve position has strengthened to USD 17.2 billion by end 2010 compared to USD 15 billion at end of 2009, supporting a more stable PKR which depreciated 1.8% in 2010 compared to 8% in 2009. The Banking sector remains well capitalized, although the Capital Adequacy Ratio (CAR) has declined to 13.8% by September 2010 against 13.9% in June, primarily due to increase in non-performing loans (NPLs). NPLs to loans ratio increased to 14% by September 2010 compared to 12.9% in June. The key challenges for policy makers are to control headline inflation and reduce the buildup in public debt. Headline inflation remains high, printing 15.5% in December 2010 from 10.5% in December 2009, reflecting a spike in prices of essential food commodities in the wake of the floods. The State Bank of Pakistan (SBP) has raised the FY 2011 inflation forecast to 16% in FY 2011 from its pre-flood target of 11.5%. Similarly, delays in tax reforms have led to a sharp increase in government debt, rising to 66% of GDP by September 2010 compared to 56% in September 2009. This has raised concerns over debt sustainability, with the credit default swap (CDS) rising to 950bps in January 2011 from 650bps at end of 2009. Operating Results and Business Overview
Balance Sheet Paid-up capital Total equity Deposits Advances - gross Advances - net Investments - net
December 31, 2010 (PKR millions) 38,716 51,073 220,266 157,906 139,269 72,637 FY 2010 (PKR millions) 23,433 12,851 588 9,994 4,431 5,563 3,606
(Restated) December 31, 2009 (PKR millions) 38,716 47,717 206,958 141,230 124,447 83,785 (Restated) FY 2009 (PKR millions) 23,167 12,127 238 10,802 9,418 1,384 746
Profit and Loss Revenue Administrative expenses Other non mark-up expenses Operating profit (before provisions and tax) Provisions (net of recoveries) Profit before tax Profit after tax
The 2010 financials reflect improved performance in the backdrop of a challenging business environment, uncertain political and security situation and the increase in financial stress caused by the recent floods. Our profits (before tax) have grown from PKR 1.4 billion last year to PKR 5.6 billion in 2010, with earnings per share up at PKR 0.93 per share from PKR 0.19 per share in 2009. This is testimony of our good banking fundamentals, sound balance sheet strength, brand image, and above all, our resilience to the headwinds posed by the economic downturn. The growth in profitability can be attributed to the drop in provisions by more than 50% from PKR 9.4 billion to PKR 4.4 billion, as we reap benefits of our prudent group provisioning policies and high loss coverage against non performing loans (NPL) maintained consistently in times of heightened credit risk and extreme pressure on asset quality. Our NPL to gross loans ratio has also improved from 15% to 14%, while our loss coverage ratio is currently as high as 84%. Revenue remains stable in comparison with last year, with the shift in assets and revenue composition in favour of wholesale banking, as we continue to remain vigilant and conservative on the consumer asset front. Despite the cut down in high yield consumer assets, wholesale banking has provided the requisite stability to the Bank's top line through an enduring stream of both interest income on lending, and fee based revenues from trade, capital markets and other global market operations. Consumer banking emphasis remains on mobilisation of deposits, with an increase of 17% in country current and saving deposits from PKR 149 billion to PKR 174 billion. Overall deposits have grown by 6% due to the shedding of relatively expensive term deposits in line with our strategy to re-profile the deposit base in favour of low cost current and saving deposits. Resultantly, our cost of funds has improved from 4.8% last year to 4.5% in 2010. Our focus on mobilising deposits provides us adequate levels of liquidity, sufficient pool of low cost funds for enforcing our asset creation strategies, and at the same time widens our customer base with opportunities to cross sell our product suite. We continue to exercise tight control over costs. Administrative expenses (excluding Head Office expenses under the 'Advisory and Service Agreement - SLA') have increased marginally by 5% despite persistent inflationary pressures and the necessary investment in human resources aimed at hiring and retaining the best available talent in the industry. Our head office expenditure has increased by 8% primarily due to the adverse variance in foreign exchange rates. We will continue with our resolve to create value for our shareholders through effective cost management, while investing prudently for implementing our strategies. Total assets stood at PKR 322 billion at Dec 31, 2010 against PKR 313 billion at end last year. Total equity has increased from PKR 48 billion at Dec 31, 2009 to PKR 51 billion. Return on assets has improved from 0.26% to 1.14% while return on equity is up at 7.3% from 1.65%. The balance sheet is highly liquid with advances to deposits ratio of 63%, given the high momentum in deposit build-up versus the slow growth in advances, especially in the consumer segment. The surplus liquidity generated by deposits is currently largely being deployed in short term risk free government securities, in order to position the Bank's book for any interest rate shift. We have a strong capital base with a capital adequacy ratio of 12.2% against a regulatory requirement of 10%. Outlook Although the future economic environment remains uncertain we see good business opportunities for the banking sector. We are ready to face the challenges that lie ahead and harness business opportunities on the back of our balance sheet strength, effective capital and risk management practices, brand image and an able management team. We will continue to strive to achieve excellence in customer services through our customer focused approach and understanding of our customers evolving needs. We aim to be the banker of choice for our customers.
www.standardchartered.com.pk Annual Report 2010 05
Directors Report
Dividend Final cash dividend of 6% (PKR 0.6 per share) has been recommended by the Board of Directors for approval at the fifth Annual General Meeting of the Bank's shareholders. External Annual Audit The financial statements of SCBPL have been audited without any qualification by the auditors of the Bank, namely KPMG Taseer Hadi & Co., Chartered Accountants. Credit Rating Pakistan Credit Rating Agency (PACRA) maintained the Bank's long-term and short-term ratings of "AAA" (Triple A) and "A1+" (A One Plus) respectively in 2010. The Bank's outstanding two listed subordinated TFCs have also been assigned "AAA" rating. These ratings denote the lowest expectation of credit risk emanating from an exceptionally strong capacity for timely payment of financial commitments. Sustainability Through our sustainability strategy we seek to strengthen relationships between our business, community, government and customers. As the largest international bank in Pakistan, SCBPL is in a strong position to be a force for good in the communities where we conduct our business. We are committed to deliver on our brand promise, Here for good, by making a meaningful difference in the community. We have a two prong approach to Sustainability in Pakistan whereby we both roll out our local programs and Group programs. Our local program focuses on Education where on one hand we provide more than 1,600 scholarships to underprivileged students while on the other we support institutions of higher learning like the Institute of Business Administration (IBA). Seeing is Believing is our Group program and aims to help eradicate blindness; it was launched in Pakistan towards the end of 2004. So far, some 200,000 cataract operations have been performed through our contributions, while a 20% reduction in Cataract blindness is attributable to the efforts of the Bank. In recognition of our overall efforts in this cause, the Bank is the only corporate partner of Government of Pakistan on preventable blindness eradication. To address the impact of the devastating effects of the floods of 2010, the Bank adopted a two-pronged focus: "Immediate" term focusing on Relief efforts and "Medium term" focusing on Rehabilitation. The Bank's efforts in the immediate term, helped provide relief to 100,000 people (15,000 families). The Bank encourages its employees to help their local community develop through contributing their knowledge, skills and talents, and provides paid leave to enable them to undertake volunteering activities which support the Bank's Sustainability strategy. In 2010, SCBPL employees logged some 2,000 volunteering days as opposed to only 23 last year. Performance of the Group In compliance with section 236(5) of the Companies Ordinance, 1984, attached with this report are the consolidated financial statements of SCBPL and its subsidiaries (the Group) namely - Standard Chartered Leasing Limited, Standard Chartered Services of Pakistan (Private) Limited and Standard Chartered Modarba, for the year ended December 31, 2010. Operating Results
Balance Sheet Paid-up capital Total equity Deposits Advances - gross Advances - net Investments - net
December 31, 2010 (PKR millions) 38,716 52,100 220,188 163,713 144,722 72,294 FY 2010 (PKR millions) 23,707 12,998 592 10,117 4,359 5,758 3,741
(Restated) December 31, 2009 (PKR millions) 38,716 48,670 206,916 146,632 129,460 83,264 (Restated) FY 2009 (PKR millions) 23,441 12,249 228 10,964 9,448 1,516 872
Profit and Loss Revenue Administrative expenses Non mark-up expenses Operating profit (before provisions and tax) Provisions (net of recoveries) Profit before tax Profit after tax
Corporate Governance
As required by the Code of Corporate Governance (the Code), a prescribed statement by the Board, along with Auditors' Review Report thereon, forms part of this Annual Report. The directors are pleased to give the following statement as required by clause (xix) of the Code: The financial statements present fairly the Bank's state of affairs, results of its operations, cash flows and changes in equity. Proper books of accounts of the Bank have been maintained. Appropriate accounting policies have been consistently applied in the preparation of financial statements except for the changes described in note 2.7 to the financial statements, and accounting estimates are based on reasonable and prudent judgment.
06
www.standardchartered.com.pk
Directors Report
The International Financial Reporting Standards and International Accounting Standards as applicable in Pakistan have been followed in the preparation of financial statements. The system of internal control is sound in design and has been effectively implemented and monitored. There is no doubt upon the Bank's ability to continue as a going concern. There has been no material departure from the best practices of corporate governance, as detailed in the listing regulations. Summarized key operating and financial data is tabulated in this Annual Report. Details of Board meetings held and attended by the directors form part of this report. All the statutory liabilities, if any, have been adequately disclosed in the financial statements.
Statements on Internal Controls and Risk Management Framework The management of SCBPL is responsible for establishing and maintaining a system of adequate internal controls and procedures. Management's statements on Internal Controls and Risk Management Framework form part of this Annual Report. Directors' Meetings Seven (7) meetings of the Board of Directors of SCPBL were held during the year. Attendance by each director was as follows:
S No
Name
1 2 3 4 5 6 7 8 9 10
Shayne Nelson, Chairman (resigned in October 2010) Christos Papadopoulos, Chairman (appointed in October 2010) Badar Kazmi, Chief Executive Officer (resigned in September 2010) Mohsin Nathani, Chief Executive Officer (appointed in September 2010) Shahid Zaki, Director Najam I. Chaudhri, Director Raheel Ahmed, Director (appointed in September 2010) Andrew James Hardacre, Director Parvez Ghias, Director Mahendra Gursahani, Director (resigned in September 2010)
* Leave of absence was granted to the Directors who could not attend some of the meetings. Statement of investments of Provident, Gratuity and Pension Funds Value of investments including accrued income of provident and gratuity funds as at December 31, 2010 on the basis of un-audited accounts is: Provident Fund Management Staff Gratuity Fund Non- Management Staff Gratuity Fund Management Staff Pension Fund Non- Management Staff Pension Fund Pattern of Shareholding The pattern of shareholding as required under section 236(2)(d) of the Companies Ordinance, 1984, and Clause (xix) of the Code of Corporate Governance forms part of this Annual Report. At December 31, 2010, Standard Chartered Bank, UK (holding company) held 98.99% shares of SCBPL. External Auditors The Audit Committee has suggested the name of KPMG Taseer Hadi & Co., Chartered Accountants as external auditors of the Bank for the next term. The Board of Directors, on the suggestion of Audit Committee recommended the name of retiring auditors KPMG Taseer Hadi & Co., Chartered Accountants as external auditors for the next term. The retiring auditors, being eligible, offer themselves for re-appointment in the forthcoming Annual General Meeting. Appreciation and Acknowledgment We take this opportunity to express our gratitude to our customers and business partners for their continued support and trust. We offer sincere appreciation to the State Bank of Pakistan for their guidance and cooperation extended to the Bank. Finally, we are also thankful to our associates, staff and colleagues for their committed services provided to our valued customers. On behalf of the Board PKR '000 1,376,221 742,620 36,929 45,282 71,134
Internal Controls
Management of Standard Chartered Bank (Pakistan) Limited (the Bank) is responsible for establishing and maintaining a sound system of internal controls aimed at achieving the following objectives of the Bank: 1. Efficiency and effectiveness of operations Compliance with applicable laws and regulations Reliability of financial reporting The Management has adopted different strategies to ensure effective monitoring and improvement of internal controls. These include Internal Audit and Assurance and Operational Risk Management & Assurance Framework (ORMAF) in which assurance responsibilities are divided into three lines of defense i.e. first being the business function, second is the Operational Risk Assurance and support from Group Internal Audit is the third line of defense. The policies and procedures in all significant areas and as per the directives of the regulators have been duly approved by the Board. An organization structure has been established which supports clear lines of communication and tiered levels of authority with accountability. The Bank has an effective Internal Audit & Assurance Department, which reports directly to the Audit Committee of the Board. The department periodically carries out reviews of branches and Head Office departments / units to monitor the compliance of Bank's policies and procedures based on a plan which is approved by the Audit Committee. The Bank has further strengthened its Internal Audit function, during the year 2010, by performing more detailed risk-based audits of its overall operations. This process involves alignment of Internal Audit framework, responsibilities and tools with the international best practices, resulting in more proactive role of Internal Audit in timely identification, reporting and monitoring of controls. Internal control policies, tools and reporting structures have been enhanced to provide greater clarity over roles and responsibilities. Relevant training materials have also been updated and deployment is underway. Management gives due consideration to the recommendations made by the internal and external auditors for improvements in the internal control system and take timely action to implement such recommendations. The management has in place evaluation and approval procedures for major capital expenditure and other transactions. There is an annual budgeting and strategic planning process. Financial forecasts are reviewed during the year on a periodic basis to reflect significant changes in business environment. Regular reporting and monitoring of financial performance of the departments and the Bank as a whole, using operating statistics and monthly management accounts which highlight key performance indicators and variance from budgets and forecasts is in place. Review and implementation of health, safety, environment and contingency management processes and other significant policies are carried out and reporting mechanism is in place. The Bank is also in the process of adopting an internationally accepted Committee of Sponsoring Organization of the Treadway Commission (COSO) Internal Controls Integrated Framework and available best international practices in relation to Internal Controls over Financial Reporting (ICFR) for the implementation of SBP guidelines on Internal Controls. The Bank has devised a well defined and comprehensive Internal Control Program along the lines of staged roadmap, as suggested by SBP. Accordingly, the Bank has completed a detailed documentation of the existing processes and controls, together with a comprehensive gap analysis of the control design and development of implemented remediation plans for the gaps. Furthermore, the bank has developed a comprehensive management testing and reporting framework for ensuring ongoing operating effectiveness of majority of key controls and has significantly addressed the design improvement opportunities identified to complete the project related initiatives. Simultaneously, the bank has also deployed its resources in the form of a cross-functional dedicated team comprising personnel from various functions to complete the work on Quality Assurance/Validation on the implemented remediation plans.
2. 3. 4.
5. 6. 7. 8.
9. 10.
08
www.standardchartered.com.pk
Credit Risk
Credit risk is the risk that a counterparty will not settle its obligation in accordance with agreed terms. Credit exposures include both individual borrowers and groups of connected counterparties and portfolios in the banking and trading books. Procedures for managing credit risk are determined by risk function and businesses jointly under the guidance from the parent company and under delegation by the Board. Risk is co-located along side the businesses to maximize the efficiency of decision making, but they have a reporting line which is independent and separate from the business lines in to the Chief Risk Officer. The businesses working with risk take responsibility for managing pricing for risk, portfolio diversification, and overall quality of assets in compliance with Bank policies, business strategy and underwriting standards.
www.standardchartered.com.pk Annual Report 2010 09
Market Risk
The Bank recognizes market risk as the exposure created by potential changes in market prices and rates. The Bank is exposed to market risk arising principally from customer driven transactions. Market risk is managed by a Market risk function (middle office), which is independent of the Treasury (front office) and reports in to the Chief Risk Officer and operates under an oversight and guidance on policy setting by the Group. Limits are established within delegated authorities from the Board and the unit monitors exposures against these limits. The Bank uses historic simulation to measure VaR on all market risk related activities. VaR models are back tested against actual results to ensure pre-determined levels of accuracy are maintained. Market risk function complements the VaR measurement by regularly stress testing market risk exposures to highlight potential risks that may arise from extreme market events that are rare but plausible.
Liquidity Risk
The Bank defines liquidity risk as the risk that the Bank either does not have sufficient financial resources available to meet all its obligations and commitments as they fall due, or can access them only at excessive cost. It is the policy of the Bank to maintain adequate liquidity at all times and for all currencies. Hence the Bank aims to be in a position to meet all obligations, to repay depositors, to fulfill commitments to lend and to meet any other commitments. Liquidity risk management is governed by ALCO, which is chaired by the Chief Executive Officer. ALCO is responsible for both statutory and prudential liquidity. These responsibilities are managed through the provision of authorities, policies and procedures agreed under delegated authority from the Board, and coordinated by the ALCO.
Operational Risk
Operational risk is the risk of direct or indirect loss due to an event or action resulting from the failure of internal processes, people and systems, or from external events. The Bank seeks to ensure that key operational risks are managed in a timely and effective manner through a framework of policies, procedures and tools to identify, assess, monitor, control and report such risks. New changes in our Operational Risk Framework are made effective from 1st of January 2010. Fundamental to the design of changes applicable to Operational Risk Framework is the principle that businesses and functions are responsible for the identification, assessment, mitigation, monitoring, reporting and general management of the operational risks within the scope of their direct organizational responsibilities and that the Risk Function controls the level of operational risk exposure, ensuring that it remains within acceptable limits. Thus Operational Risk is integral part of the Risk Management function, and Operational Risk Officers report independently to Chief Risk Officer of the Bank. The Operational Risk (ORC) Committee has been established as a sub-committee of the Risk Committee to supervise and direct the management of operational risks across the Bank. ORC is also responsible for ensuring that adequate and appropriate policies and procedures are in place and are being complied with.
10
www.standardchartered.com.pk
Reputational Risk
Reputational risk is any material adverse effect on the relations between the Bank and any one of its significant stakeholders. It is Bank policy that the protection of the Bank's reputation should take priority over all activities including revenue generation at all times. Reputational risk is not a primary risk, but will arise from the failure to effectively mitigate one or more of country, credit, liquidity, market, legal, regulatory and operational risk. It may also arise from the failure to comply with Social, Environmental and Ethical standards. All staff are responsible for day to day identification and management of reputational risk.
Pension Risk
Pension risk is the risk of having to meet an actuarially assessed shortfall in the Bank's pension schemes.
Capital Risk
Capital risk is the risk arising from sub-optimal allocation of capital or increase in cost of capital.
Strategic Risk
Strategic risk is the risk arising from failure to optimise the earnings potential of the Bank's franchise.
Legal Risk
Legal Risk is the risk of unexpected loss, including reputational loss arising from defective transaction or contracts, claims being made or some other event resulting in a liability or other loss for the Bank, failure to protect the title to and ability to control the rights to assets of the Bank (including intellectual property rights), changes in the law or jurisdiction risk. The Bank manages legal risk through Legal function, Legal risk policies and procedures and effective use of its internal and external lawyers. By order of the Board
www.standardchartered.com.pk
11
The year under review was the seventh year of Islamic commercial banking for Standard Chartered Bank (Pakistan) Limited (SCBPL) through the Saadiq platform. During this year the bank arranged a number of structured transactions after due approval from the Shariah Advisor. Business Review At the close of the year ended December 31, 2010 the bank had total financing assets of Rs.13,091 Million. The breakup of these assets in different modes of Islamic finance is as follows:
Diminishing Musharika 58.7% Murabaha 13.4% Ujrah (Saadiq Credit Card) 0.2% Sukuk Bonds 27.7%
The year under review SCBPL selected several Islamic financing modes for the investment. Significant percentage of the assets (59%) has been financed using the Diminishing Musharakah mode, (28 %) represents Sukuk holdings under various Islamic financing modes and Murabaha transactions (including Export refinance) represented 13% of the portfolio. SCBPL apart from other structured transactions issued a notable award winning Syndicated Islamic L/C Facility for Karachi Electric Supply Company. The Syndicated facility was closed in conjunction with other banks in the market. Shariah Review Annual Shariah Review was carried out on a test check basis and Standard Agreements for Murabaha, Diminishing Musharakah, import and export finance along with the relevant supplemental documents including declarations, purchase invoices, description of assets and recovery of payments etc were reviewed. The allocation of funds, weightages, profit sharing ratios, profits and losses relating to Mudaraba accounts and the overall Shariah compliance of the bank's operation and their alignment with the Shariah guidelines were also checked. As part of continuous improvement necessary recommendations and corrective measures were suggested including that SCBPL shall emphasis on improving the process flow in certain areas. An action plan was agreed for the implementation of recommended changes and all issues identified were duly addressed by management.
12 Annual Report 2010 www.standardchartered.com.pk
Subject to the aforesaid, the affairs of SCBPL, were found to have been carried out in accordance with the rules and principles of Shariah including Fatawas of the Shariah Advisor and SBP regulations and guidelines related to Shariah compliance. Late Payment Charity During the year an amount of approximately Rs 4.141 million was transferred to the charity account and the same amount was disbursed after due approval of the Shariah Advisor. Training SCBPL Saadiq team provides continuous training to all stakeholders. During the year under review a total of 11 sessions were held including Shariah specific and product related trainings. This includes an Islamic Banking certification program with the cooperation of Centre for Islamic Economics. The management maintains continuous emphasis on training as it is an essential ingredient to ensure Shariah compliance of Saadiq products. Branch Conversion In order to extend reach of its Islamic banking services to its customers, during the year SCB Pakistan has converted five of its conventional branches to Islamic banking in Karachi, Lahore and Quetta as per the branch conversion process approved by SBP and Shariah Advisor. Recommendation 1- As Islamic business of the bank is growing, the bank must endeavor to improve awareness about Islamic banking through various programs for its customers and general public. 2- The same awareness program should also be arranged for senior management of the bank to improve their understanding on Islamic banking. 3- The management should continue emphasis on training of sales staff and relationship managers as they can be a bridge for increasing the level of awareness among customers. May Allah Subhanah wa Ta'ala accept our endeavors and grant us Ikhlas to fulfill our responsibility towards Islamic banking which is very mingled between service of deen and service for ourselves.
Muhammad Abdul Mubeen Shariah Advisor Standard Chartered Bank (Pakistan) Ltd.
www.standardchartered.com.pk
13
Review Report to the Members on Statement of Compliance With Best Practices of Code of Corporate Governance
We have reviewed the Statement of Compliance with the best practices contained in the Code of Corporate Governance prepared by the Board of Directors of Standard Chartered Bank (Pakistan) Limited to comply with listing regulations of the Karachi, Lahore and Islamabad Stock Exchanges where the Bank is listed. The responsibility for compliance with the Code of Corporate Governance is that of the Board of Directors of the Bank. Our responsibility is to review, to the extent where such compliance can be objectively verified, whether the Statement of Compliance reflects the status of the Bank's compliance with the provisions of the Code of Corporate Governance and report if it does not. A review is limited primarily to inquiries of the Bank personnel and review of various documents prepared by the Bank to comply with the Code. As part of our audit of financial statements we are required to obtain an understanding of the accounting and internal control systems sufficient to plan the audit and develop an effective audit approach. We have not carried out any special review of the internal control system to enable us to express an opinion as to whether the Board's statement on internal control covers all controls and the effectiveness of such internal controls. Further sub-regulation (xiii)(a) of Listing Regulations 35 notified by the Karachi Stock Exchange (Guarantee) Limited vide circular no. KSE/N-269 dated 19 January 2009 requires the Company to place before the Board of Directors for their consideration and approval related party transactions distinguishing between transactions carried out on terms equivalent to those that prevail in arm's length transactions and transactions which are not executed at arm's length price recording proper justification for using such alternate pricing mechanism. Further, all such transactions are also required to be separately placed before the audit committee. We are only required and have ensured compliance of requirement to the extent of approval of related party transactions by the board of directors and placement of such transactions before the audit committee. We have not carried out any procedures to determine whether the related party transactions were undertaken at arm's length price or not. Based on our review, nothing has come to our attention which causes us to believe that the Statement of Compliance does not appropriately reflect the Bank's Compliance, in all material respects, with the best practices contained in the Code of Corporate Governance as applicable to the Bank for the year ended 31 December 2010.
KPMG Taseer Hadi & Co. Chartered Accountants Syed Iftikhar Anjum
14
www.standardchartered.com.pk
4. 5.
6. 7. 8. 9.
10.
11.
www.standardchartered.com.pk
15
15.
All Directors are provided with an Orientation Pack on their appointment. Two orientation sessions for INEDs were held in April and June 2010 respectively. Two INEDs have completed "The Board Development Series (BDS)" program offered by Pakistan Institute of Corporate Governance (PICG) in 2009 whereas one INED is already a faculty member of PICG. Remaining Directors will acquire BDS certification in due course of time. The Bank has complied with all the corporate and financial reporting requirements. The Audit Committee of the Board comprises of 3 members. Two Directors including the Chairman are INEDs and the other one is an Executive Director. The meetings of the Audit Committee are held at least once every quarter prior to approval of interim and final results of the Company and as required by the Code. The Board has set up an effective internal control (Audit & Assurance) department. The Internal Control Department reports directly to the Chairman of the Board Audit Committee. The statutory auditors of the Bank have confirmed that they have been given a satisfactory rating under the quality control review programme of the Institute of Chartered Accountants of Pakistan, that they or any of the partners of the firm, their spouses and minor children do not hold shares of the Bank and that the firm and all its partners are in compliance with International Federation of Accountants (IFAC) guidelines on code of ethics as adopted by Institute of Chartered Accountants of Pakistan. The statutory auditors or the persons associated with them have not been appointed to provide other services except in accordance with the listing regulations and the auditors have confirmed that they have observed IFAC guidelines in this regard. All material information as described in clause (xxiii) of the Code has been disseminated to the Stock Exchanges and Securities and Exchange Commission of Pakistan in a timely manner. The company has complied with the requirements as stipulated in clause 35 (xiii) (a) of the Listing Regulations relating to related party transactions. All other material principles contained in the Code have been complied with.
21.
16
www.standardchartered.com.pk
2006
2007
2008
2009
2010
Revenue Operating Profit Profit before Tax Profit after Tax Net Mark-up Income before provision Non Mark-up Income Non Mark-up Expenses Shareholders Equity Total Assets Advances - net Investments - net Deposits Expense / Income Ratio Advances / Deposits Ratio Return on Equity Return on Assets
7,726 5,364 5,427 4,057 5,276 2,450 2,362 8,406 111,668 50,215 25,359 83,646 31% 60% 53% 3.90%
14,023 8,923 7,360 5,709 10,336 3,687 5,100 40,230 246,318 129,004 34,629 156,878 36% 82% 23.48% 3.19%
22,339 10,179 4,126 2,767 16,192 6,147 12,160 43,066 255,545 119,537 40,696 177,162 54% 67% 6.64% 1.10%
22,985 10,330 1,014 608 16,419 6,566 12,655 42,769 264,629 125,601 29,587 174,552 55% 72% 1.42% 0.23%
23,167 10,802 1,384 746 16,284 6,883 12,365 47,717 312,845 124,447 83,785 206,958 53% 60% 1.65% 0.26%
23,433 9,994 5,563 3,606 17,278 6,155 13,439 51,073 321,923 139,269 72,637 220,266 57% 63% 7.30% 1.14%
www.standardchartered.com.pk
17
Financial Statements
For the year ended 31 December 2010
(d)
KPMG Taseer Hadi & Co. Chartered Accountants Syed Iftikhar Anjum
www.standardchartered.com.pk
19
ASSETS Cash and balances with treasury banks Balances with other banks Lendings to financial institutions Investments Advances Operating fixed assets Intangible assets Deferred tax assets Other assets LIABILITIES Bills payable Borrowings from financial institutions Deposits and other accounts Sub-ordinated loans Other liabilities NET ASSETS REPRESENTED BY: Share capital Reserves Unappropriated profit Surplus / (deficit) on revaluation of assets - net of deferred tax CONTINGENCIES AND COMMITMENTS
Note 4 5 6 7 8 9 10 11 12
13 14 15 16 17
18 19 20 21
The annexed notes 1 to 42 form an integral part of these un-consolidated financial statements.
20
www.standardchartered.com.pk
24 7.11 25
26 27 28
The annexed notes 1 to 42 form an integral part of these un-consolidated financial statements.
www.standardchartered.com.pk
21
(i) Surplus / deficit on revaluation of 'Available for Sale' securities is presented under a separate head below equity as 'surplus / deficit on revaluation of assets' in accordance with the requirements specified by the State Bank of Pakistan vide its BSD circular 20 dated 04 August 2000 and BSD circular 10 dated 13 July 2004. (ii) Surplus on revaluation of fixed assets is presented under a separate head below equity as 'surplus / deficit on revaluation of assets' in accordance with the requirements of section 235 of the Companies Ordinance, 1984. The annexed notes 1 to 42 form an integral part of these un-consolidated financial statements.
22
www.standardchartered.com.pk
31
The annexed notes 1 to 42 form an integral part of these un-consolidated financial statements.
www.standardchartered.com.pk
23
Total
--------------------------- (Rupees in '000) ---------------------------Balance as at 31 December 2008 (as presented) Effect of change in accounting policy with respect to share based payment transactions (note 2.7.1) Balance as at 31 December 2008 (as restated) Total Comprehensive income for the year Profit for the year Other Comprehensive income Actuarial loss on defined benefit plan - net of tax Transactions with owners, recorded directly in equity Share based payment transactions (contribution from holding company) Payment against share based payment transactions (to holding company) Transfer to statutory reserve Balance as at 31 December 2009 (as restated) Total Comprehensive income for the year Profit for the year Other Comprehensive income Actuarial gain on defined benefit plan - net of tax Transactions with owners, recorded directly in equity Share based payment transactions (contribution from holding company) Payment against share based payment transactions (to holding company) Transfer to statutory reserve Transferred from surplus on revaluation of fixed asset - net of deferred tax Balance as at 31 December 2010 1,410 3,607,025 1,410 3,607,025 3,605,615 3,605,615 38,715,850 1,036,090 133,873 910,275 109,559 (226,782) (117,223) (133,873) 3,974,288 109,559 (226,782) (117,223) 44,636,503 (13,914) 731,646 (13,914) 731,646 745,560 745,560 38,715,850 38,715,850 1,036,090 1,036,090 776,402 776,402 44,010,120 11,960 44,022,080
38,715,850
1,036,090
721,123 1,631,398
The annexed notes 1 to 42 form an integral part of these un-consolidated financial statements.
24
www.standardchartered.com.pk
These financial statements are separate financial statements of the Bank in which investments in subsidiaries are accounted for on the basis of direct equity interest rather than on the basis of reported results. Consolidated financial statements are presented separately. 2. 2.1 BASIS OF PREPARATION Basis of presentation In accordance with the directives of the Federal Government regarding the shifting of the banking system to Islamic modes, the State Bank of Pakistan has issued various circulars from time to time. One permissible form of trade related mode of financing comprises of purchase of goods by the Bank from its customers and immediate resale to them at appropriate mark-up in price on deferred payment basis. The purchases and sales arising under these arrangements are not reflected in these financial statements as such but are restricted to the amount of facility actually utilised and the appropriate portion of mark-up thereon. 2.2 Statement of compliance These financial statements have been prepared in accordance with approved accounting standards as applicable in Pakistan. Approved accounting standards comprise of such International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB) and Islamic Financial Accounting Standards (IFAS) issued by the Institute of Chartered Accountants of Pakistan (ICAP) as are notified under the Companies Ordinance, 1984, provisions of and directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962 and the directives issued by State Bank of Pakistan. In case the requirements differ, the provisions of and directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962 and the directives issued by the State Bank of Pakistan shall prevail. The Securities and Exchange Commission of Pakistan has approved and notified the adoption of International Accounting Standard 39, 'Financial Instruments: Recognition and Measurement' (IAS 39) and International Accounting Standard 40, 'Investment Property' (IAS 40). The requirements of these standards have not been followed in the preparation of these financial statements as the State Bank of Pakistan has deferred the implementation of these standards for banks in Pakistan till further instructions. However, investments have been classified and valued in accordance with the requirements of various circulars issued by the State Bank of Pakistan. 2.3 Basis of measurement These financial statements have been prepared under the historical cost convention, except that certain available for sale, trading and derivative financial instruments have been measured at fair value, whereas certain fixed assets are stated at revalued amounts less accumulated depreciation and accumulated impairment losses, where applicable. 2.4 Use of estimates and judgments The preparation of financial statements in conformity with approved accounting standards requires management to make judgments, estimates and assumptions that effect the application of accounting policies and reported amounts of assets, liabilities, income and expenses. Actual results may differ from these estimates. The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised if the revision affects only that period, or in the period of the revision and future periods if the revision affects both current and future periods.
www.standardchartered.com.pk
25
Change in accounting estimate During the current period, the Bank has changed its estimate of useful life for motor vehicles and buildings on leasehold land. The useful life of motor vehicles has been changed from 5 years to 3 years, whereas in case of buildings on leasehold land, the estimate of economic life for capital expenditure incurred on leasehold buildings after January 1, 2010 has been revised from 15 years to 10 years. The management believes that the revised useful lives of motor vehicles and buildings on leasehold land will more appropriately reflect the pattern in which economic benefits are expected to be consumed by the Bank through continuing use of these assets. The change in accounting estimate has been applied prospectively in accordance with the requirements of International Accounting Standard 8, Accounting Policies, Changes in Accounting Estimates and Errors (IAS 8). Had the accounting estimate not been changed, the profit before tax would have been higher by Rs 9.934 million, while profit after tax would have been higher by Rs 6.457 million. The effect on future periods is not estimated to be material.
2.6
Functional and presentation currency These financial statements are presented in Pakistan Rupees, which is the Banks functional currency. Except as indicated, financial information presented in Pakistan Rupees has been rounded to the nearest thousand.
2.7
2.7.1 IFRS 2 Amendment The Standard Chartered Group operates share based payment plans for employees of its subsidiaries and branches. The services are received by the Bank, while the share based payment transactions are settled by the Group. In June 2009, the International Accounting Standards Board (IASB) issued amendments to International Financial Reporting Standard (IFRS) 2: Share-based payment effective 1 January 2010, which specify the accounting for group cash settled share based payment transactions in the separate financial statements of subsidiaries and branches. The revised IFRS 2 requires that entities receiving the services shall measure the services received as an equity settled share based payment transaction, regardless of intra-group repayment arrangements. Accordingly, the expense for share awards is now determined by reference to the fair value of options granted and credited to equity as a contribution from parent. The fair value of equity instruments granted is based on the market prices, or determined using an appropriate valuation technique, at the date of grant. Previously, the services received by the Bank were measured as cash settled share based payment transactions; cash settled awards were revalued at each balance sheet date with any changes in fair value charged or credited to profit and loss. The change in accounting policy has been applied retrospectively. This change in accounting policy will not have any effect on the Bank's liability towards its parent, which will continue to be determined and recorded on cash settled basis. The liability would now be settled through debiting the equity. The change had the following effect on these financial statements: 2010 2009 -------- (Rupees in '000) --------150,905 117,223 52,817 41,028 98,088 76,195
Increase in Profit before tax Increase in taxation charge Increase in Profit after tax
The retained earnings at 31 December 2008 increased by Rs. 11,960 thousand. The effect on earning per share is not material. 2.7.2 IFAS 1 adoption During the year the Bank has adopted Islamic Financial Accounting Standard 1, Murabaha (IFAS 1) notified by the Securities and Exchange Commission of Pakistan. The application of this standard did not have any effect on these financial statements. The financing under Murabaha mode is disclosed in note 41.1
26
www.standardchartered.com.pk
www.standardchartered.com.pk
29
30
www.standardchartered.com.pk
www.standardchartered.com.pk
31
5.1 6.
This includes balances of Rs. 758.120 million (2009: Rs. 2,179.389 million) held with other branches and subsidiaries of Standard Chartered Group outside Pakistan. LENDINGS TO FINANCIAL INSTITUTIONS Repurchase agreement lendings (Reverse Repo) Placements 6.1 6.2 6,457,638 23,964,247 30,421,885 3,446,217 17,121,847 20,568,064
6.1
These carry mark-up at rates ranging from 12.3 percent to 13.8 percent per annum (2009: 11 percent to 12.4 percent per annum) payable at maturity, and are due to mature by February 2011. These arrangements are governed under Master Repurchase Agreements. This represents placements with other branches and subsidiaries of Standard Chartered Group outside Pakistan at mark-up rates ranging from 0.15 percent to 1.22 percent per annum (2009: 0.15 percent and 0.53 percent per annum), and are due to mature by August 2011. Particulars of lending In local currency In foreign currencies 6,457,638 23,964,247 30,421,885 3,446,217 17,121,847 20,568,064
6.2
6.3
6.4
Held by bank
Market Treasury Bills Pakistan Investment Bonds 5,307,638 1,150,000 6,457,638
Total
Held by bank
3,446,217 3,446,217
Total
6.4.1 The market value of securities held as collateral against lendings to financial institutions amounted to Rs. 6,360.864 million (2009:Rs. 3,466.652 million).
32
www.standardchartered.com.pk
Given as collateral
Total
Held by bank
Given as collateral
Total
----------------------------------- (Rupees in '000) -----------------------------------7,932,763 161,588 18,958 18,958 18,958 (2,721) 16,237 7,932,763 161,588 50,579,193 10,375,882 86,987 3,625,000 44,500 42,000 730,589 73,578,502 7,265,191 1,928 186,460 58,609,847 10,853,046 86,987 1,800,000 44,500 42,000 730,589 79,620,548 4,778,239 19,009 4,797,248 4,797,248 2,773 4,800,021 7,265,191 1,928 186,460 63,388,086 10,872,055 86,987 1,800,000 44,500 42,000 730,589 84,417,796 (77,278) 84,340,518 179,835 (735,817) 83,784,536
7.3 7.11
7.2
Investments by segment Federal Government Securities Market Treasury Bills Pakistan Investment Bonds Fully paid up ordinary shares Listed companies Unlisted companies Investment in subsidiaries Standard Chartered Services of Pakistan (Private) Limited Standard Chartered Modarba Standard Chartered Leasing Limited Bonds and Term Finance Certificates Sukuk and Ijarah Bonds Term Finance Certificates Other investments (mutual funds) Total investment at amortised cost Less: Provision for diminution in the value of investments Surplus on revaluation of held for trading securities - net Deficit on revaluation of available for sale securities - net Total Investments
Note
2010 2009 -------- (Rupees in '000) --------58,511,956 10,537,470 86,987 44,500 42,000 730,589 3,625,000 73,578,502 (133,157) 73,445,345 81,601 (889,545) 72,637,401 77,278 55,879 55,879 133,157 2,341 130,816 133,157 70,653,277 10,873,983 86,987 44,500 42,000 730,589 1,800,000 186,460 84,417,796 (77,278) 84,340,518 179,835 (735,817) 83,784,536 3,827 76,324 (2,873) 73,451 77,278 1,653 75,625 77,278
Annual Report 2010 33
7.3
Particulars of provision for diminution in the value of investments Opening balance Charge for the year Reversals Net charge Closing balance
7.3.1
7.3.1 The details of provision held against investments are as follows: Ordinary shares of unlisted companies - available for sale Subsidiaries
7.12
www.standardchartered.com.pk
7.5
Rating
Cost
Market value
Rating
Cost
Market value
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------7.6 Federal Government Securities Market Treasury Bills Pakistan Investment Bonds 7.7 Particulars of shares held - listed Unrated Unrated 50,579,193 10,375,882 60,955,075 50,544,997 9,520,186 60,065,183 Unrated 63,388,086 Unrated 10,872,055 74,260,141 63,457,418 10,066,906 73,524,324
2010
2009 Rating
2010
2009
(Number of shares)
Cost
Market value
22 22
Rating
Cost
Market value
-
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------7,500 2,800 11,000 4,800 3,500 7,500 2,800 11,000 4,800 3,500 Sakrand Sugar Mills Limited Bawany Sugar Mills Limited Dadabhoy Cement Limited Khurshid Spinning Mills Taj Textile Mills Limited Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated
All shares are ordinary shares of Rs. 10 each. 7.8 Particulars of units / certificates held in mutual funds 2010 2009
2010
2009 Rating
(Number of units)
Cost
Market value
433 433
Rating
Cost
Market value
-
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------13,788 7.9 13,788 National Investment (Unit)Trust Unrated Unrated
2010
2009
Khushali Bank Limited Ordinary Shares of Rs. 10 each Chief Executive: M. Ghalib Nishtar Pakistan Export Finance Guarantee Agency Limited Chairman : Mr Muneer Kamal Society for Worldwide Interbank Fund Transfer Provision for diminution in the value - note 7.3.1
2010
A-/A-2
2009
Rating A-/A-2
2010
83,088
2009
83,088
(Rupees in '000)
573,769
573,769
Unrated
Unrated
3,004
3,004
Unrated
Unrated
34
www.standardchartered.com.pk
Rating
Cost
Market value
Rating
Cost
Market value
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------7.10 Bonds and Term Finance Certificates Wapda Sukuk Bonds Pakistan International Airlines (PIA) Sukuk Bonds GOP Ijarah Sukuk Bonds Unrated Unrated Unrated 300,000 1,325,000 2,000,000 3,625,000 300,000 1,325,000 1,999,892 3,624,892 Unrated Unrated N/A 300,000 1,500,000 1,800,000 2010 83,842 (2,241) 81,601 300,000 1,500,000 1,800,000 2009 177,650 5 2,180 179,835
7.11
Unrealized gain / (loss) on revaluation of investments classified as held for trading Market Treasury Bills Pakistan Investment Bonds Listed Term Finance Certificates
7.12
Investment in Subsidiaries
2010
2009
Standard Chartered Services of Pakistan (Private) Limited - 100% owned Standard Chartered Modarba - Listed 20% owned Standard Chartered Leasing Limited - Listed 86.45% owned Provision for diminution in the value 7.12.4 & 7.3.1
2009
7.12.1 The above investments in subsidiaries are strategic investments of the Bank. 7.12.2 Standard Chartered Services of Pakistan (Private) Limited (100% owned by the Bank) exercises control over Standard Chartered Modarba as its management company and also has a direct economic interest of 10 percent. Therefore, Standard Chartered Modarba is considered a subsidiary of the Bank. 7.12.3 The market value of investments in listed subsidiaries, namely, Standard Chartered Modarba and Standard Chartered Leasing Limited at 31 December 2010 amounted to Rs. 42.252 million and Rs. 240.205 million respectively (2009: Rs. 40.482 million and Rs. 215.677 million respectively). 7.12.4 The Bank periodically reviews its investment in Standard Chartered Leasing Limited (SCLL) for evidence of any impairment. The recoverable amount of investment in SCLL is determined with reference to its value in use. The bank uses present value techniques and financial projections of SCLL to calculate its value in use. The calculation for current year are based on company's budget for year ending 30 June 2011 and forecasts for subsequent four years. These have been discounted using pre tax discount rate of 24.7%. Terminal value determined is based on long term earnings multiple for the leasing sector. Based on the valuation an impairment of Rs. 130.82 million (2009: Rs. 75.625 million) has been recorded. 8. ADVANCES Loans, cash credits, running finances, etc. - In Pakistan - Outside Pakistan Bills discounted and purchased (excluding treasury bills) - Payable in Pakistan - Payable outside Pakistan Advances - gross Provision for non-performing advances Advances - net of provision 8.1 8.1.1 Particulars of advances In local currency In foreign currencies Short term (for upto one year) Long term (for over one year)
www.standardchartered.com.pk
Note
2010 2009 -------- (Rupees in '000) --------147,338,159 147,338,159 3,133,517 7,434,767 10,568,284 157,906,443 134,642,412 134,642,412 2,314,548 4,273,402 6,587,950 141,230,362 (16,783,638) 124,446,724
8.3
(18,637,030) 139,269,413
8.1.2
Provision Required
Domestic Overseas Total
Provision Held
Domestic Overseas Total
Total
--------------------------------------------------- (Rupees in '000) ------------------------------------------------2,113,942 2,141,058 17,852,709 22,107,709 22,107,709 2,113,942 2,141,058 17,852,709 22,107,709 22,107,709 369,798 991,601 16,609,886 17,971,285 665,745 18,637,030 369,798 991,601 16,609,886 17,971,285 665,745 18,637,030 369,798 991,601 16,609,886 17,971,285 665,745 18,637,030 369,798 991,601 16,609,886 17,971,285 665,745 18,637,030
Provision Required
Domestic Overseas
990,118 1,149,507 13,346,008 15,485,633 1,298,005 16,783,638 -
Provision Held
Domestic Overseas
990,118 1,149,507 13,346,008 15,485,633 1,298,005 16,783,638 -
Total
3,965,960 2,559,424 14,863,096 21,388,480 21,388,480
Total
990,118 1,149,507 13,346,008 15,485,633 1,298,005 16,783,638
Total
990,118 1,149,507 13,346,008 15,485,633 1,298,005 16,783,638
8.2.1
At 31 December 2010, the provision requirement has been reduced by Rs. 610.771 million (31 December 2009: Rs. 749.951 million) being benefit of Forced Sale Value (FSV) of commercial, residential and industrial properties (land and building only) held as collateral, in accordance with the requirements specified by SBP BSD Circular 10 dated 20 October 2009. Had the said benefit not been available profit for the year before taxation would have been higher by Rs. 139.180 million (after accounting for the discounting of FSV's benefit taken in previous year). Increase in profit amounting to Rs. 397.001 million due to the said FSV benefit is not available for distribution of cash and stock dividend. Particulars of provision against non-performing advances 2010 2009
8.3
Specific
Opening balance Charge for the year Reversals Amounts written off Other movements Closing balance 8.4 Particulars of write offs
General
Total
Specific
General
Total
----------------------------------- (Rupees in '000) -----------------------------------15,485,633 1,298,005 16,783,638 10,319,389 1,795,417 12,114,806 8,234,580 (4,182,001) 4,052,579 (1,330,264) (236,663) 17,971,285 1,252,382 (1,884,642) (632,260) 665,745 9,486,962 (6,066,643) 3,420,319 8,492,969 (561,640) 7,931,329 657,861 (1,155,273) (497,412) 1,298,005 9,150,830 (1,716,913) 7,433,917 (2,746,838) (18,247) 16,783,638
Note 10.3
2010 2009 -------- (Rupees in '000) --------1,330,264 1,648,084 2,978,348 1,768,480 1,209,868 2,978,348 2,746,838 2,797,334 5,544,172 720,400 4,823,772 5,544,172
8.4.1
Against provisions Charged and written off during the year Write-offs of Rs. 500,000 and above Write-offs of below Rs. 500,000 Details of loans written-off of Rs. 500,000 and above
8.4.2 8.5
In terms of sub-section (3) of section 33A of the Banking Companies Ordinance, 1962, the statement in respect of written-off loans or any other financial relief of five hundred thousand rupees or above allowed to a person(s) during the year ended 31 December 2010 is given in Annexure 1.
36
www.standardchartered.com.pk
9.1 9.2
Cost / Valuations At 1 January 2010 Additions during the year Transfers / write offs Deletions At 31 December 2010 Depreciation At 1 January 2010 Charge for the year Transfers / write offs Deletions At 31 December 2010 Net book value Rate of depreciation
--------------------------- (Rupees in '000) ---------------------------5,315,577 1,389,895 3,391,346 76,071 10,172,889 82,010 24,936 107,013 503 214,462 4,561 (17,888) (197,797) (211,124) (4,720) (64,846) (9,546) (79,112) 5,402,148 1,392,223 3,235,716 67,028 10,097,115 95,349 2,607 97,956 5,304,192 6.67% 541,294 77,473 (12,856) (3,772) 602,139 790,084 2,654,863 347,831 (195,261) (63,876) 2,743,557 492,159 49,297 20,454 (9,122) 60,629 6,399 33.33% 3,245,454 541,107 (205,510) (76,770) 3,504,281 6,592,834
www.standardchartered.com.pk
37
Cost / Valuation At 1 January 2009 Additions during the year Revaluation surplus recorded Transfers / write offs Deletions At 31 December 2009 Depreciation At 1 January 2009 Charge for the year Revaluation adjustments* Transfers / write offs Deletions At 31 December 2009 Net book value Rate of depreciation
--------------------------- (Rupees in '000) ---------------------------3,184,054 463,580 3,372,504 74,733 7,094,871 23,658 97,289 95,514 10,577 227,038 3,150,127 3,150,127 (1,042,151) 831,756 (40,430) 110 (250,715) (111) (2,730) (36,242) (9,349) (48,432) 5,315,577 1,389,895 3,391,346 76,071 10,172,889 755,182 72,149 (449,612) (377,638) (81) 5,315,577 6.67% 249,683 90,801 203,457 (2,647) 541,294 848,601 2,259,181 468,777 (37,662) (35,433) 2,654,863 736,483 41,291 13,319 110 (5,423) 49,297 26,774 20% 3,305,337 645,046 (449,612) (211,733) (43,584) 3,245,454 6,927,435
* The revaluation adjustments relate to the accumulated depreciation as at the revaluation date that was eliminated against the gross carrying amount of the revalued buildings. 9.3 The Bank's owned land and buildings were revalued by an independent accredited professional valuer, Iqbal A. Nanjee & Co. (Private) Limited. The valuation performed by the valuer was based on active market prices, adjusted for any difference in the nature, location or condition of the specific land and building. The date of revaluation was 31 December 2009. The revaluation resulted in a net surplus of Rs. 3,599.739 million over the book value. If the owned land and buildings were measured using the cost model, the carrying amounts would have been as follows: 2010 2009 -------- (Rupees in '000) --------Cost Accumulated depreciation Carrying amount 2,252,021 (535,959) 1,716,062 2,165,450 (449,612) 1,715,838
The movement in surplus on revaluation of fixed assets is given in note 20.1 to the financial statements. 9.4 9.5 As at 31 December 2010, the cost of fully depreciated property and equipment still in use amounted to Rs 2,518.206 million (2009: Rs. 2,233.888 million). Depreciation rates for furniture, fixtures and office equipment are as follows: Furniture and fixtures Printers Other office equipment Computer equipment ATM machines 33.33 33.33 20 33.33 14.28 percent percent percent percent percent
38
www.standardchartered.com.pk
1,501 1,352 15,364 5,713 5,198 3,818 3,604 2,372 2,367 2,188 2,142 1,878 1,865 1,474 1,244 1,195 1,035 920 1,120 1,038 1,029 901 59,318
1,501 485 15,364 5,713 5,198 3,812 3,604 2,372 2,367 2,188 2,142 1,284 1,790 1,474 1,244 1,195 1,035 639 1,120 1,038 1,029 571 57,165
85 54 411 539 1,038 649 284 93 600 155 131 770 368 8 81 123 211 320 511 478 550 454 7,913
85 (813) 411 539 1,038 643 284 93 600 155 131 176 293 8 81 123 211 39 511 478 550 124 5,760
Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Employee Service Rules Insurance Claim Employee Service Rules
M/s. Mohammad Ibrahim Osman Soomro Mr. Muhammad Saeed M/s. National Traders M/s. National Traders M/s. Muhammad Shahid Soomro M/s. Farhan & Company M/s. Farhan & Company M/s. Muhammad Hashim & Sons Mr. Muhammad Ibrahim Osman M/s. National Traders Mr. Muhammad Saeed M/s. National Traders M/s. Farhan & Company M/s. Mohammad Shahid Soomro M/s. National Traders Mr. Muhammad Saeed M/s. Mohammad Shahid Soomro M/s. National Traders Car Sold to Mr. Mohammd Hassan Raza (Veh #.LRK-6616) Car Sold to Ali Nawaz Khan (Veh #. LWL-3488) M/s. Adamjee Insurance Company Limited Car Sold to Muhammad Munir Kharadi (Veh #. APN-695)
Vehicles
Items having book value of less than Rs. 250,000 and cost of less than Rs. 1,000,000: Leased hold improvements Furniture, fixtures and office equipment Vehicles Total 10. INTANGIBLE ASSETS 1,867 12,469 5,458 79,112 1,786 12,455 5,364 76,770 81 14 94 2,342 265 1,256 2,705 12,139 184 1,242 2,611 9,797
2010
Goodwill Core deposits intangible Customer relationships intangible Brand names Computer Software Total
Cost At 1 January 2010 Additions during the year At 31 December 2010 Depreciation At 1 January 2010 Charge for the year At 31 December 2010 Net book value Rate of amortisation
----------------------------------------- (Rupees in '000) -----------------------------------------26,095,310 26,095,310 26,095,310 1,982,413 1,982,413 1,521,572 239,776 1,761,348 221,065 774,680 774,680 609,335 72,095 681,430 93,250 389,400 389,400 129,998 38,935 168,933 220,467 300,190 38,160 338,350 254,916 32,258 287,174 51,176 20% - 33.33% 29,541,993 38,160 29,580,153 2,515,821 383,064 2,898,885 26,681,268
2009
Cost At 1 January 2009 Transfers / write offs At 31 December 2009 Depreciation At 1 January 2009 Charge for the year Transfers / write offs At 31 December 2009 Net book value Rate of amortisation 10.1 10.2 26,095,310 26,095,310 26,095,310 1,982,413 1,982,413 1,195,382 326,190 1,521,572 460,841 774,680 774,680 497,065 112,270 609,335 165,345 389,400 389,400 91,066 38,932 129,998 259,402 300,198 (8) 300,190 223,428 31,496 (8) 254,916 45,274 20% 29,542,001 (8) 29,541,993 2,006,941 508,888 (8) 2,515,821 27,026,172
As at 31 December 2010, the gross carrying amount of fully amortised intangible assets (computer software) still in use amounted to Rs. 204.529 million (2009: Rs. 130.679 million). The recoverable amount for the purpose of assessing impairment on goodwill on acquisition of Union Bank Limited was based on value in use. The calculations are based on the 2011 budget approved by management, which has then been extrapolated for a further period of 19 years using a steady long term forecast GDP growth rate and a terminal value determined based on a long term earnings multiple. The cash flows are discounted using a pre-tax discount rate which reflects the current market rate appropriate for the business. For the calculation as at 31 December 2010, the bank has used a long term forecast GDP growth rate of 5.7 percent and a discount rate of 24.7 percent. The management believes that any reasonable possible changes to the key assumptions on which calculation of recoverable amount is based, would not cause the carrying amount to exceed the recoverable amount.
www.standardchartered.com.pk
39
Available for sale investments Provisions for loans and advances Other assets Fixed assets Surplus on revaluation of Fixed Assets Goodwill Actuarial gains on retirement benefits
11.1
At 1 January 2009
At 31 December 2009
Available for sale investments Accumulated business losses Provisions for loans and advances Other assets Fixed assets Surplus on revaluation of Fixed Assets Goodwill Actuarial gains on retirement benefits
11.1
The Finance Act, 2010 amended the Seventh Schedule to the Income Tax Ordinance, 2001 whereby the limit for claiming provisions for advances and off balance sheet items in respect of Consumer and SME advances has been enhanced from 1% to 5% of gross Consumer and SME advances. In case of Corporate advances, the limit continues to be 1% of gross Corporate advances. The management carried out an exercise as of 31 December 2010 and based on that concluded that the Bank would achieve a deduction for provisions in excess of the limit prescribed by the Income Tax Ordinance, 2001 in future years. Accordingly, deferred tax asset of Rs. 2,040 million has been recognised on such provisions for income years 2009 and 2010. The Seventh Schedule has been further amended through Finance Act, 2010 by introducing transitional provisions, whereby amounts provided for against irrecoverable or doubtful advances in tax year 2008 (income year 2007) and prior years, would be allowed in the tax year in which these advances are actually written off. The management considers that the amendment made vide Finance Act, 2009 in respect of provisions for bad debts being allowed at 1% of total advances is applicable for tax year 2010 (income year 2009), whereas for tax year 2009 (income year 2008), the provision for bad debts would continue to be allowed under the Seventh Schedule at the time of actual write-off. Accordingly, the deferred tax asset recognized upto 31 December 2008 relating to provisions for advances and off balance sheet items amounting to Rs. 4,240 million has been carried forward.
40
www.standardchartered.com.pk
12.
OTHER ASSETS Income / mark-up accrued in local currency Income / mark-up accrued in foreign currencies Advances, deposits, advance rent and other prepayments Receivable from defined benefit plans Receivable from defined contribution plans Advance taxation (payments less provisions) Branch adjustment account Unrealized gain on forward foreign exchange contracts Interest rate derivatives and currency options - positive fair value Receivable from SBP / Government of Pakistan Receivable from associated undertakings Receivable from Standard Chartered Bank, Sri Lanka operations Non-banking assets acquired in satisfaction of claims Tax compensation under section 102 of the Income Tax Ordinance, 2001 Bank acceptances Unsettled trades Others Provision against other assets
Note
12.2
12.1
12.1
Provision against other assets Opening balance Charge for the year Other movements Closing balance 205,190 96,726 301,916 107,303 69,469 28,418 205,190 107,303 107,303
12.2
Market value of non-banking assets acquired in satisfaction of claims amounted to Rs 91.983 million at 31 December 2010.
Note
13. BILLS PAYABLE In Pakistan Outside Pakistan 14. BORROWINGS FROM FINANCIAL INSTITUTIONS In Pakistan Outside Pakistan 14.1 Particulars of borrowings with respect to currencies In local currency In foreign currencies 14.2 Details of borrowings secured / unsecured Secured Borrowings from State Bank of Pakistan under Export Refinance (ERF) scheme Repurchase agreement borrowings (Repo) State Bank of Pakistan - LTFF State Bank of Pakistan - LTF - Export Oriented Projects Unsecured Call borrowings Overdrawn nostro accounts
2010 2009 -------- (Rupees in '000) --------5,468,828 223,036 5,691,864 4,700,431 144,207 4,844,638
14.2.4
www.standardchartered.com.pk
41
Note
Customers - Fixed deposits - Savings deposits - Current accounts (non-remunerative) - Margin accounts - Special exporters' account Financial Institutions - Non-remunerative deposits 15.1 15.2
2010 2009 -------- (Rupees in '000) --------45,968,703 90,401,741 81,552,663 951,052 930,283 219,804,442 58,401,746 79,299,603 67,475,564 753,904 240,396 206,171,213 786,737 206,957,950
15.1
461,320 220,265,762
This includes Rs. 93.610 million (2009: Rs. 334.559 million) against balances of other branches and subsidiaries of Standard Chartered Group operating outside Pakistan. Particulars of deposits In local currency In foreign currencies 173,998,222 46,267,540 220,265,762 169,003,606 37,954,344 206,957,950
16.
16.1
The Bank issued subordinated Term Finance Certificates in three issues. The first issue of Rs 750 million was fully repaid during 2008. The outstanding second and third issues of Rs 750 million and Rs 1,000 million respectively are unsecured and are subordinated to the depositors and other creditors of the bank, and carry the following terms: Year of Issue Rating Rate Second Issue 2003 AAA 0.75% above the cutoff yield of last successful auction of five years PIB Third Issue 2005 AAA 2.00% above the six months Karachi InterBank Offered Rate ("KIBOR") prevailing one working day prior to the beginning of each semi annual period 7 years
5% 10.75% 7 years
42
www.standardchartered.com.pk
Note
2010 2009 -------- (Rupees in '000) --------2,298,819 2,453 1,950,382 158,759 634,219 876,589 3,172,162 11,682 1,591,763 84,556 523,216 326,019 10,174,486 10,614,728 16,957 86,518 129,979 86,864 8,437,213 799,299 36,055,442
17.1 17.2
10,654,614 4,867,708 78,871 83,465 112,836 660,074 5,042,995 47,046 373,134 27,841,964
4,000,000,000
40,000,000
40,000,000
Ordinary shares of Rs. 10 each Fully paid in cash Issued in terms of scheme of amalgamation
29,397,850
9,318,000 38,715,850
These represent 892,554,151 shares of Rs 10 each issued and allotted at par to Standard Chartered Bank, United Kingdom against transfer of entire undertaking of SCB Branch Business by SCB to the Bank, and 39,245,852 shares issued and allotted at par credited as fully paid up to persons who were registered shareholders of Union Bank. These shares have been issued in accordance with the scheme of amalgamation duly approved by State Bank of Pakistan on 4 December 2006. At 31 December 2010, Standard Chartered Bank , United Kingdom, held 98.99% shares of the Bank. Reserves Share premium Statutory reserve
18.4 19.
Note
19.1 19.2
2010 2009 -------- (Rupees in '000) --------1,036,090 1,631,398 2,667,488 1,036,090 910,275 1,946,365
19.1 19.2
This represents excess of fair value of the shares over par value of shares issued to registered shareholders of Union Bank in terms of the amalgamation scheme. In accordance with the Banking Companies Ordinance, 1962, the Bank is required to transfer twenty percent of its profit of each year to a reserve fund until the amount in such fund equals the paid-up capital of the Bank.
www.standardchartered.com.pk Annual Report 2010 43
20.
Note
2010 2009 -------- (Rupees in '000) --------3,551,020 (578,045) 2,972,975 3,558,566 (478,281) 3,080,285
20.1 20.2
Guarantees relating to Islamic Banking Business amount to Rs. 2,039 million (2009: Rs. 3,112 million). Trade-related contingent liabilities Letters of credit 21.2.1 15,182,936 20,169,332
21.2.1 21.3
Letters of credit relating to Islamic Banking Business amount to Rs. 1,045 million (2009: Rs. 2,113 million). Other contingencies Claims against the Bank not acknowledged as debt 21.3.1 12,432,208 12,045,661
21.3.1
This includes claims for penal interest and additional surcharge amounting to Rs. 138.058 million (2009: Rs. 128.345 million) claimed by Customs authorities in respect of certain bank guarantees issued on behalf of a customer in favour of Collector of Customs, Government of Pakistan. The guarantees remaining outstanding against the said customer at 31 December 2010 amount to Rs. 80.827 million (2009: Rs. 80.827 million). The bank has referred the claims to Alternate Dispute Resolution (ADR) Committee, where it is yet to come up for a hearing. The bank considers that the above amounts are not payable and if it is required to settle the claims, it would be able to recover them from the customer.
44
www.standardchartered.com.pk
2010 2009 -------- (Rupees in '000) --------19,914,750 17,348,621 15,368,507 2,176,875 33,108,590 1,290,420 16,284,600 26,262,941 3,067,658 842,000 23,597,145 1,108,140
With Banks for Hedging Market Making With FIs other than banks Hedging Market Making With other entities for Hedging Market Making Total Hedging Market Making
34 -
61 98 120
2009 Total Market Making * At the exchange rate prevailing at the end of the reporting period.
Contracts with banks represent contracts entered with branches of Standard Chartered Bank, UK to obtain cover against the contracts with customers, except for 12 contracts with local banks having notional principal of Rs 21,069 million. 21.6.2 Maturity analysis Interest Rate Swaps Remaining Maturity Upto 1 month 1 to 3 months 3 to 6 months 6 months to 1 year 1 to 2 years 2 to 3 years 3 to 5 years 5 to 10 years Above 10 years
Number of Contracts Notional Principal Mark to Market Positive
Negative
Net
1 5 6 10 16 29 17 14 -
www.standardchartered.com.pk
45
2010 2009 2010 -------- (Rupees in '000) --------17,882,098 62,607 22,508 8,844,295 1,146,110 614 27,958,232 18,688,275 141,004 34,734 7,124,259 34 664,611 323 26,653,240
26.
ADMINISTRATIVE EXPENSES Salaries, allowances etc. Charge / (income) for defined benefit plans Contributions to defined contribution plans Rent, taxes, insurance, electricity etc. Legal and professional charges Communications Repairs and maintenance Rentals against hire / operating lease arrangements Stationery and printing Advertisement and publicity Donations Auditors' remuneration Depreciation Amortization Travelling, conveyance and vehicles' running Reimbursement of executive and general administrative expenses Others
Note
(Restated) 2010 2009 -------- (Rupees in '000) --------4,193,162 994 266,637 1,086,608 97,381 447,413 819,580 23,574 182,045 144,515 20,195 23,242 541,107 383,064 117,459 3,764,765 739,527 12,851,268 3,801,332 (2,620) 131,350 1,011,452 118,291 503,016 626,062 28,211 170,177 216,035 22,341 17,238 645,046 508,888 95,015 3,477,215 758,080 12,127,129
26.1 26.2
46
www.standardchartered.com.pk
2010 2009 -------- (Rupees in '000) --------13,000 5,270 1,500 180 100 13,000 3,350 1,774 1,500 600 500 500 400 200 200 100
28.
OTHER CHARGES Loss / (income) from Sri Lanka branch operations Charge / (reversal) against fine and penalties imposed by SBP Worker's Welfare Fund (WWF) 28.1 (40,246) 60,119 112,836 132,709 77,610 (52,823) 104,976 129,763
28.1
Consequent to Sale and Purchase Agreement (SPA) signed between Standard Chartered Bank, Sri Lanka (SCBSL) and Standard Chartered Bank (Pakistan) Limited (SCBPL), the Sri Lanka branch operations of SCBPL were amalgamated with SCBSL with effect from close of business on 10 October 2008. A closing audit of the branch was carried out at 10 October 2008, which identified additional losses (net of recoveries and other items recorded subsequent to 10 October 2008) of Rs. 77.610 million. According to the terms of SPA, unproductive debts, staff of SCBPL who are not retained by the purchaser, 'their corresponding housing loans and assets arising from litigation which cannot be assigned are held in trust with SCBSL. In case any recoveries are made or costs are incurred in respect of assets held in trust, these would be passed on to SCBPL. Accordingly, the income from Sri Lanka branch operations in the current year mainly represents recoveries (net of expenses) in respect of assets held in trust. TAXATION For the year - Current - Deferred For prior years'
29.
(Restated) 2010 2009 -------- (Rupees in '000) --------1,168,652 819,335 1,987,987 (30,884) 1,957,103 5,562,718 1,946,951 (10,890) 21,042 1,957,103 1,849,695 (1,385,905) 463,790 174,152 637,942 1,383,502 484,226 (1,948) (18,488) 174,152 637,942
29.1
Relationship between tax expense and accounting profit Profit before taxation Tax at the applicable tax rate of 35% (2009: 35%) Incomes (dividend, capital gain etc.) at reduced rates Expenses that are not deductible in determining taxable income Prior year provision
www.standardchartered.com.pk
47
30.
EARNINGS PER SHARE - BASIC AND DILUTED Profit for the year Weighted average number of ordinary shares in issue during the year
(Restated) 2010 2009 -------- (Rupees in '000) --------3,605,615 3,871,585,021 745,560 3,871,585,021
-------------- (Rupees) -------------Earnings per share - basic and diluted 31. CASH AND CASH EQUIVALENTS Cash and balances with treasury banks Balances with other banks 32. STAFF STRENGTH Permanent Temporary / on contractual basis / direct contracts Bank's own staff at the end of year Outsourced Total staff strength 33. 33.1 DEFINED BENEFIT PLANS General description Non Management Staff Pension Fund The plan provides pension calculated at 50% of the average pensionable salary after completing 30 years of service. The employees of the bank are entitled to either pension or gratuity, but not both. However, the employees of ANZ Grindlays Bank transferred to the bank are entitled to both pension and gratuity and the minimum number of years required for entitlement of pension is 25 years for these employees. Pension is calculated as 1/120 times the last drawn merged salary for each year of service. Non Management Staff Gratuity Fund The plan provides a lump sum gratuity calculated at one month's salary for each completed year of service (maximum 39 months) after completing 5 years of service. For the employees of ex-ANZ Grindlays Bank, the plan provides a lump sum calculated at 50% of last drawn merged salary for each completed year of service (maximum 36 months) after completing 5 years of service. However, if the employee is not entitled for pension, the percentage is increased to 100%. The employees of SCB are entitled to either pension or gratuity, but not both. Management Staff Pension Fund The plan is closed to active employees. The entire liability is in respect of existing pensioners. 0.93 0.19
------------- Number ------------3,074 2 3,076 1,783 4,859 2,957 3 2,960 2,082 5,042
48
www.standardchartered.com.pk
SCB Non Management Pension Fund 2010 2009 33.3 Reconciliation of (receivable) / payable from / to defined benefit plan Present value of defined benefit obligations Fair value of plan assets (Asset) / liability recognised Movement in defined benefit obligation Obligation as at 1 January Current service cost Interest cost Benefits paid Actuarial (gain) / loss on obligation Past service cost resulting from change in Rules Obligation as at 31 December 33.5 Movement in fair value of plan assets Fair value as at 1 January Expected return on plan assets Benefits paid Actuarial gain / (loss) on plan assets Fair value as at 31 December 33.6 Movement in (receivable) / payable from / to defined benefit plan Balance as at 1 January Charge for the year Actuarial (gain) / loss on plan assets Balance as at 31 December 33.7 Charge for defined benefit plan Current service cost Interest cost Expected return on plan assets Recognition of past service cost 33.8 Actual return on plan assets - Expected return on plan assets - Actuarial gain / (loss) on plan assets 33.9 Cumulative amount of actuarial gains / (losses) recoginised in comprehensive income Expected contributions for next year Components of plan assets as a percentage of total plan assets Bonds Cash and net current assets Others 97% 3% 0% 76% 24% 0% 8,652 (1,939) 6,713 9,599 (3,248) 6,351 388 6,960 (8,652) (389) (1,693) 219 6,654 (9,599) (2,726) (14,189) (1,693) (832) (16,714) (22,398) (2,726) 10,935 (14,189) 72,888 8,652 (5,939) (1,939) 73,662 72,694 9,599 (6,157) (3,248) 72,888 58,699 388 6,960 (5,939) (2,771) (389) 56,948 50,296 219 6,654 (6,157) 7,687 58,699
(Rupees in '000) 56,948 (73,662) (16,714) 58,699 (72,888) (14,189) 42,222 (37,182) 5,040 35,574 (34,931) 643 39,094 (46,335) (7,241) 42,667 (46,861) (4,194) 138,264 (157,179) (18,915) 136,940 (154,680) (17,740)
33.4
5,106 (5,106) -
29,985 -
29,153
(5,435) -
(4,249)
42,253 -
39,730
66,803 -
64,634
33.10 33.11
99% 1% 0%
98% 2% 0%
92% 8% 0%
www.standardchartered.com.pk
49
33.12
Five year data on surplus / (deficit) of the plans and experience adjustments Present value of defined benefit obligation Fair value of plan assets Surplus Experience adjustments on plan liabilities - loss / (gain) Experience adjustments on plan assets - loss / (gain)
----------------------------- (Rupees in '000) -----------------------------138,264 157,179 18,915 (4,247) 330 136,940 154,680 17,740 (7,621) 3,566 112,326 148,852 36,526 (7,620) (3,027) 243,948 333,183 89,235 (26,188) (22,440) 278,940 494,838 215,898 (6,675) 7,094
34.
SHARE BASED PAYMENTS The Bank's employees participate in the following share compensation plans for the acquisition of shares in the ultimate holding company, Standard Chartered Plc. The market value of shares is denominated in pounds sterling at the time of grant. i) International Sharesave Scheme The International Sharesave Scheme was first launched in 1996 and made available to all employees of the Bank. Employees have the choice of opening a three-year or a five-year savings contract. Within a period of six months after the third or fifth anniversary, employees may exercise the awards and receive any benefit in cash; alternatively, the employee may elect to have the savings, plus interest, repaid in cash. The price at which they may purchase shares is at a discount of up to 20 percent on the share price at the date of the invitation. There are no performance conditions attached to options granted. The options granted do not confer any right to participate in any share issue of any other company. Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year Adjustment due to right issue At 31 December
The weighted average price at the time the options were exercised during 2010 was 17.61 (2009: 14.07).
2010 2009 Weighted average exercise price 9.31 No. of options 112
Weighted average remaining life Expected Contractual years years
8.32/14.63
3.33/5.33
2.19
3.33/5.33
2.16
The intrinsic value of vested International Sharesave cash-settled awards as at 31 December 2010 was 19,688 thousand (2009: Rs. 17,601 thousand). ii) Restricted Share Scheme The Restricted Share Scheme is a discretionary share incentive scheme for high performing and high potential staff at any level of the organisation whom the Group wishes to motivate and retain. Except upon appointment when an executive director may be granted an award of restricted shares, the Restricted Share Scheme is not applicable to the Group's executive directors, as it has no performance conditions attached to it. Fifty percent of the award vests two years after the date of the grant and the remainder after three years. The awards granted under this scheme are nil cost options with any benefit payable in cash. The options granted do not confer any right to participate in any share issue of any other company.
50
www.standardchartered.com.pk
Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year Adjustment due to right issue At 31 December
85 34 (13) (7) 99
The weighted average price at the time the options were exercised during 2010 was 17.94 (2009: 10.78).
2010 2009 No. of options 99 Weighted average remaining life Expected Contractual years years 7 5.04
Weighted average remaining life Weighted Expected Contractual average years exercise price years 5.4 -
N/A
The intrinsic value of vested Restricted Share Scheme cash-settled awards as at 31 December 2010 was Rs. 54,530 thousand (2009 : Rs. 49,002 thousand). iii) Supplementary Restricted Share Scheme The Group operates a Supplementary Restricted Share Scheme which can be used to defer part of an employee's annual bonus in shares. The plan is principally used for employees in the global markets area and is similar to the RSS outlined above for three important factors: executive directors are specifically prohibited from the plan; no new shares can be issued to satisfy awards; and there is no individual annual limit. Movements in the number of share options held by the Bank's employees are as follows:Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year At 31 December
2010 Range of exercise price Weighted average exercise price No. of options 6
5 6 (2) (3) 6
5 5
Weighted average remaining life Weighted Contractual average Expected years exercise price years 5 2.08 -
N/A
The intrinsic value of vested Supplementary Restricted Share Scheme cash-settled awards as at 31 December 2010 was Rs. 3,191 thousand (2009 : Rs. Nil). iv) Executive Share Option Scheme (closed) The Executive Share Option Scheme is an intrinsic part of the Group's executive directors' and senior managers' total remuneration. An EPS performance criterion needs to be met before the options can be exercised. Executive share options are exercisable after the third, but before the tenth anniversary of the date of grant with any benefit payable in cash. The exercise price is based on the share price at the date of grant and options can normally only be exercised if a performance condition is satisfied. The options granted do not confer any right to participate in any share issue of any other company.
www.standardchartered.com.pk
51
Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year At 31 December
2010 Range of exercise price Weighted average exercise price No. of options -
1 (1) -
1 1
8.19 8.19
Weighted average remaining life Weighted Contractual average Expected years exercise price years 5 -
7.89
The intrinsic value of vested Executive Share Option Scheme cash-settled awards as at 31 December 2010 was Rs. nil (2009: Rs. 946 thousand). v) Performance Share Plan The Performance Share Plan is designed as an intrinsic part of total remuneration for the Group's executive directors and for a small number of the Group's most senior executives. The awards granted under this scheme are nil cost options. Certain performance criteria need to be met before the options can be exercised. The option granted do not confer any right to participate in any share issue of any other company. Movements in the number of share options held by the Bank's employees are as follows:
2010 Number ('000) 2009 Number ('000)
At 1 January Granted during the year Exercised during the year Lapsed during the year Adjustment due to right issue At 31 December
2010 Range of exercise price Weighted average exercise price No. of options 73
85 10 (21) (4) 3 73
2009 No. of options 85
61 27 (3) 85
Weighted average remaining life Weighted Contractual average Expected years exercise price years 7.76 -
N/A
The intrinsic value of vested Performance Share Plan cash-settled awards as at 31 December 2010 was Rs. 14,978 thousand (2009: Rs. 31,169 thousand). vi) The total expense recognised in respect of above schemes on equity settled basis amounts to Rs. 47.733 million (2009: Rs. 109.559 million) and is included in managerial remuneration. As also explained in note 2.7.1 in detail, the Bank's liability towards its parent, however continues to be determined and recorded on cash settled basis.
52
www.standardchartered.com.pk
2010
Note Director's remuneration / fees Managerial remuneration Contribution to defined contribution plan Rent and house maintenance Utilities Medical Others Number of persons 35.1 35.3
2009
2010
2009
2010
2009
----------------------------------- (Rupees in '000) -----------------------------------264,439 3,214 7,013 1,753 1,097 277,516 2 96,763 2,986 6,515 1,631 916 108,811 1 3,355 3,355 3 3,225 3,225 3 1,673,962 151,858 336,576 84,144 7,200 80,936 2,334,676 812 1,631,721 128,271 25,515 6,173 6,182 48,559 1,846,421 655
35.1 The director's remuneration / fees represents remuneration paid to the Bank's 3 non-executive directors (2009: 3) for attending Board and Sub-Committee meetings. 35.2 The Chief Executive is entitled to Bank provided free use of furnished accommodation. The Chief Executive and some of the executives are also provided with Bank maintained cars. In addition, the Chief Executive and some of the executives are also reimbursed for cost of medical expenses and other benefits like club subscription, education etc. 35.3 Managerial remuneration also includes charge against share compensation plans. 36. FAIR VALUE OF FINANCIAL INSTRUMENTS On-balance sheet financial instruments Except for investment in subsidiaries, unlisted companies, fixed term advances of over one year, staff loans and fixed term deposits of over one year, the fair value of on balance sheet financial assets and liabilities are not significantly different from their book value as these assets and liabilities are either short term in nature or are frequently re-priced. The fair value of fixed term advances of over one year, staff loans, fixed term deposits of over one year and investment in equity of unlisted companies cannot be calculated with sufficient reliability due to nonavailability of relevant active market for similar assets and liabilities. The fair value of investment in quoted subsidiaries is disclosed in note 7.12.3 to these financial statements.
www.standardchartered.com.pk
53
* **
83,691 457,416 541,107 73,312 309,752 383,064 286,498,251 54,496,829 340,995,080 13,135,761 8,971,948 22,107,709 11,133,711 7,503,319 18,637,030 106,050,373 164,799,460 270,849,833 1.99% 0.17% 1.73% 6.34% 3.51% 4.53%
* **
114,151 530,895 645,046 101,628 407,260 508,888 274,007,082 55,904,168 329,911,250 13,099,803 8,288,677 21,388,480 10,295,204 6,488,434 16,783,638 110,354,424 154,773,932 265,128,356 0.51% 0.10% 0.44% 6.43% 3.86% 4.83%
** Segment cost of funds have been computed based on the average balances. The management reviews the performance of Corporate and Institutional Banking and Global Markets as one business segment, namely Wholesale Banking. Therefore the business activities of the Bank have been presented in two segments, Wholesale and Consumer Banking. Wholesale Banking Deposits, trade and other lending activities for corporates and financial institutions. It also includes the overall management of treasury of the Bank, which entails various cash and interest risk management products for customers. The products include FX forwards, FX options and interest rate swaps. Consumer Banking Wealth management, deposits, mortgages, auto finance, unsecured lending (credit cards, personal loans etc.) and SME lending (including SME trade).
54
www.standardchartered.com.pk
758,120 1,633,622 93,610 23,964,247 12,890 4,867,708 19,059 128,720 23,327 885,244 1,004,935 563 77,874 520 1,126 117,187 42,834
2,179,389 36,075 334,559 17,121,847 16,056 10,614,728 32,230 132,884 6,773 794,789 896,575 42,126 87,183 575 2,815 130,470 21,469
www.standardchartered.com.pk
55
5,585 1,430 86 498,809 15,259 21,493 7,367 311 12,815 6,292 29,965 162,176 266,637 994 3,482 120,992 3,355 (17,292)
2,682 1,163 314,446 14,204 4,074 57,698 6,933 8,892 5,360 7,488 238,700 131,350 (2,620) 11,226 315,994 3,225 21,512
Loans and advances Key management personnel Subsidiaries Deposits Group companies Subsidiaries Key management personnel Others
---------------------- (Rupees in '000) ------------------------130,470 87,183 102,087 3,452,472 (115,370) (3,539,655) 117,187 -
56
www.standardchartered.com.pk
Tier I Capital Fully paid-up capital Balance in share premium account General reserves as disclosed on the balance sheet Un-appropriated / un-remitted profits (net of accumulated losses, if any) Less: Book value of goodwill and other intangibles Other deductions (50 percent of investments in equity and other regulatory capital of majority owned securities or other financial subsidiaries not consolidated in the balance sheet) Total Tier I Capital------------> Tier II Capital Sub-ordinated debt - upto maximum of 50 percent of 'Total eligible Tier 1 capital' General provisions or general reserves for loan losses - upto maximum of 1.25 percent of 'Risk Weighted Assets' Revaluation reserves (upto 45 percent) Less: Other deductions (50 percent of investments in equity and other regulatory capital of majority owned securities or other financial subsidiaries not consolidated in the balance sheet) Total Tier II Capital------------> Total Regulatory Capital Base
www.standardchartered.com.pk
57
The Bank is also in the process of developing and documenting its three year capital plan as part of its Internal Capital Adequacy Assessment Process (ICAAP) for Basel II, which will also be submitted to SBP. The ICAAP lays down each material risk to be assessed, the relevant mitigants to be considered, and appropriate level of capital required. This process aims to ensure that a strong governance culture and framework is embedded in the capital planning and assessment methodology and is frequently revisited. The Bank adheres to the calculation of capital requirements for credit, market and operational risk as per the guidelines of SBP, for Basel II. For credit risk, the Bank uses the 'Standardized Approach'. The Bank uses reputable and SBP approved rating agencies (ECAIs) for deriving risk weights for specific credit exposures. These are consistently applied across the Bank's credit portfolio for both on and off balance sheet exposures. The ECAIs used for rating various types of exposures are tabled in note 39.3 to these financial statements. For the purposes of Credit Risk Mitigation under the 'Standardised Approach', the Bank follows the instructions laid down by SBP vide their Circular No. 08 dated 27 June 2006 with regard to eligibility of collaterals, valuation and management. Where a transaction is secured by an eligible collateral and meets the eligibility criteria and minimum requirements as laid down by SBP, the Bank reduces its exposure under that particular transaction by taking into account the risk mitigating effect of the collateral for the calculation of capital requirement. The Bank calculates its capital requirement for market risk in its portfolio, based on the methodology provided by SBP which takes account of specific and general market risk capital charge for interest rate risk using the duration method. For calculation of operational risk capital charge, the business activities of the Bank are divided into eight business lines: corporate finance, trading and sales, retail banking, commercial banking, payments and settlement, agency services, asset management and retail brokerage. The Bank's operations are mapped into these eight business lines as per the criteria laid down by SBP vide Circular No 08 dated 27 June 2006. Within each business line, gross income is the broad indicator that serves as a proxy for the scale of business operations and thus the likely scale of operational risk exposure within each of these business lines. The capital charge for each business line is calculated by multiplying gross income by beta factors assigned by SBP to that business line. Beta serves as a proxy for the industry-wide relationship between the operational risk loss experience for a given business line and the aggregate level of gross income for that business line. The total capital charge is calculated as the three-year average of the simple summation of the regulatory capital charges across each of the business lines in each year. The 'Standardised Approach' is preferred over the 'Basic Indicator Approach' so as to arrive at a capital charge that is reflective of the risks associated with each of the Bank's business lines. The Bank's approach for mitigating operational risk is further detailed in note 40.8 to these financial statements. The capital requirements for the Bank as per the major risk categories are indicated below :
---------------------- (Rupees in '000) ------------------------1,908 147,415 1,932,755 9,041,256 1,164,719 164,173 369,380 1,435,506 4,781 173,811 1,459,528 6,932,850 1,784,653 187,982 533,489 2,017,257 19,083 1,474,156 19,327,553 90,412,563 11,647,198 1,641,732 3,693,810 14,355,069 47,809 1,738,106 14,595,284 69,328,506 17,846,533 1,879,820 5,334,887 20,143,501
1,430,120 1,630,902
1,412,406 1,424,688
40,696,402 174,447,942
58
www.standardchartered.com.pk
2009
Net amount
4,477,498 4,343,317 1,632,997 8,635,337 3,096,233 14,508,050 746,352 494,640 849,572 19,083 84,077,476 19,690,609 142,571,164
Rating Category
0% 20% 50% 100% 150% 0% 20% 50% 100% 150% 0% 20% 50% 100% 150% 50% upto 150%
Deduction CRM
8,377,917 2,686,851 (2,878,446) 18,239,473 14,508,050 (164,880) 85,918,263 3,398,287 43,016,848 6,677,132 179,779,495
Amount outstanding
12,298,453 4,283,281 1,965,897 22,722,050 18,882,308 406,992 142,043 93,700,258 3,462,838 31,873 123,364,147 34,324,567 315,584,707
Deduction CRM
8,702,960 1,647,109 19,424,704 9,441,154 (71,022) 93,700,258 2,770,271 (15,936) 42,104,407 6,966,355 184,670,260
Net amount
3,595,493 2,636,172 1,965,897 3,297,346 9,441,154 406,992 213,065 692,567 47,809 81,259,740 27,358,212 130,914,447
Banks
Sovereigns etc
Unrated including retail All Other Exposures Total CRM= Credit Risk Mitigation
* Amount outstanding represents Original Exposure in the case of On-balance sheet items and the Credit Equivalent Exposure in the case of Off-balance sheet items Types of exposures and ECAI's used 39.3 JCR - VIS PACRA STANDARD AND POORS MOODY'S FITCH The Bank adheres to the mapping instructions issued by SBP on the Revised Regulatory Capital Framework under Basel II, issued vide BSD Circular No. 8 of 2006 dated 27 June 2006, vide BSD Circular Letter No. 09 of 2007 dated 24 August 2007, vide BSD Letter No. BSD/BAI-2/201/1141/2009 dated 2 December 2009 and vide BSD Circular No. 5 of 2010 dated 5 October 2010 with regard to credit ratings to be used. These are as follows: LONG-TERM RATING GRADES MAPPING Corporate Banks Sovereigns
Risk Weightage
20%
Fitch Ratings
AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCCC C D
PACRA
AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCCC C D
JCR VIS
AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCCC C D
Risk Weightage
20% 50% 100% 150%
Fitch Ratings
F1+ F1 F2 F3 B C D
PACRA
A-1 A-2 A-3 Others
JCR VIS
A-1 A-2 A-3 Others
www.standardchartered.com.pk
59
19.20 7,074,002 0.79 106,750 13.89 134,395,094 20.14 51,709,863 100.00 220,265,762
2009 Advances - Gross (Rupees in '000) Chemical and pharmaceuticals Agri business Textile Communication Insurance Telecommunications and information technology Cement Sugar Automobile and transportation equipment Transportation Financial Electronics and electrical appliances Production and transmission of energy Shoes and leather garments Individuals Others 7,806,043 2,345,602 22,818,276 1,884,459 70,705 4,815,892 5,934,649 2,249,588 1,603,693 2,255,744 5,690,961 3,912,261 22,963,112 796,976 29,314,697 26,767,704 141,230,362 Percent 5.53 1.66 16.16 1.33 0.05 3.41 4.20 1.59 1.14 1.60 4.03 2.77 Deposits (Rupees in '000) 6,625,432 103,348 909,248 6,591,327 1,608,955 5,063,616 6,577 33,500 969,530 3,082,640 2,889,060 4,731,243 Percent 3.20 0.05 0.44 3.18 0.78 2.45 0.02 0.47 1.50 1.40 2.29 4.28 0.02 57.32 22.60 100.00 Contingencies and Commitments (Rupees Percent in '000) 4,945,654 1,591,874 618,457 5,031,744 451,509 74,917 2,457,378 238,463 45,031 4,747,693 14,014,260 11,972 500 33,209,433 67,438,885 7.33 2.36 0.92 7.46 0.67 0.11 3.64 0.36 0.07 7.04 20.78 0.02 49.24 100.00
16.26 8,867,324 0.56 33,896 20.76 118,671,424 18.95 46,770,830 100.00 206,957,950
www.standardchartered.com.pk
61
2010 Classified Advances Specific Provision held 104,010 9,300 6,516,600 8,646 399,692 190,452 3,386,034 7,356,551 17,971,285
Chemical and pharmaceuticals Agri business Textile Footwear and Leather garments Automobile and transportation equipment Financial Production and transmission of energy Individuals Others 40.1.5 Segment by sector
186,004 164,447 1,800 1,800 7,092,549 6,399,357 20,069 8,142 614,614 398,251 41 41 550,431 285,592 3,552,223 1,984,909 9,370,749 6,243,094 21,388,480 15,485,633
2010 Advances (Rupees in '000) Public / Government Private 26,829,322 131,077,121 157,906,443 % Deposits (Rupees in '000) % Contingencies and Commitments (Rupees % in '000) 2.31% 97.69% 100%
40.1.6
Details of non-performing advances and specific provisions by sector 2010 Classified Advances Specific Provision held 17,971,285 17,971,285 2009 Classified Advances Specific Provision held
22,107,709 22,107,709
2010
Profit before taxation Total assets employed Net Assets employed Contingencies and Commitments
Pakistan
2009 Profit before taxation Pakistan Total assets employed Net Assets Contingencies employed and Commitments 47,716,788 67,438,885 47,716,788 67,438,885
62
www.standardchartered.com.pk
Pakistan rupee United States dollar Great Britain pound Euro Swiss Franc Others
232,400,108 208,215,108 37,812,440 52,163,503 4,075,795 4,038,016 5,512,661 5,988,864 19,474 19,331 370,502 21,945 280,190,980 270,446,767
2009 Assets Liabilities Off-balance sheet items Net foreign currency exposure
Pakistan rupee United States dollar Great Britain pound Euro Swiss Franc Others
226,103,909 197,165,664 35,193,830 55,701,425 4,130,602 4,116,567 4,944,431 5,599,065 18,163 17,134 37,430 50,921 270,428,365 262,650,776
21,292,962 50,231,207 (18,573,036) (39,080,631) (412,779) (398,744) (1,480,749) (2,135,383) (24,383) (23,354) (802,015) (815,506) 7,777,589
40.3.1 Currency risk is the risk that the value of a financial instrument will fluctuate due to changes in foreign exchange rates. 40.3.2 The management sets limits on the level of exposure by currency in total, for both overnight and intra day positions which are monitored daily.
www.standardchartered.com.pk
63
2010 Exposed to yeid / interest rate risk Over one Over two Over three year to years to years to two years three years five years Over five years to ten years Over ten years Non interest bearing financial instruments
Total
Over three Over six months to months to six months one year
-----------------------------------------------------------------------(Rupees in '000)------------------------------------------------------------------------
0.00% 0.00%
24,087,842 821,931
6,827,499 -
1,761,835 1,761,835
4.50% 30,421,885 20,610,409 11.34% 72,637,401 37,638,316 13.99% 139,269,413 67,776,150 12,952,508 280,190,980 132,852,374 0.00% 5,691,864 7.04% 15,914,343 792,459 6.62% 220,265,762 107,306,780 12.92% 1,135,900 237,500 27,438,898 270,446,767 108,336,739 9,744,213 24,515,635
17,310,484 17,310,484
22,040,652 22,040,652
13,815,128 13,815,128
16,243,785 16,243,785
Forward Borrowing Interest Rate Swap Foreign Currency Option Forward Foreign Exchange Contracts Off-balance sheet gap Total yield / interest risk sensitivity gap Cumulative yield / interest risk sensitivity gap
1,761,835 (83,387,975)
80,803,585 100,138,648
Total
Exposed to yeid / interest rate risk Over one Over two Over three year to years to years to two years three years five years
-----------------------------------------------------------------------(Rupees in '000)------------------------------------------------------------------------
0.26%
21,521,550 2,238,182
5,576,905 -
882,651 882,651
3.10% 20,568,064 18,754,658 12.18% 83,784,536 23,267,063 14.27% 124,446,724 64,348,412 17,869,309 270,428,365 111,947,038 4,844,638 8.15% 15,747,326 6,550,197 6.99% 206,957,950 103,556,740 13.91% 1,523,000 149,600 33,577,862 262,650,776 110,256,537 7,777,589 1,690,501
92,422,042 540,000 3,931,538 1,468,199 25,547,285 14,715,277 121,900,865 16,723,476 (19,281,412) 5,494,914 (11,503,823) 7,185,415
27,128,177 48,552,213 10,530,200 27,128,177 48,552,213 10,530,200 (24,991,737) (22,539,957) 5,002,200 (23,970,562) (20,439,478) 66,410,532 45,971,054 7,879,398 53,850,452
64
www.standardchartered.com.pk
www.standardchartered.com.pk
65
Assets Cash and balances with treasury banks Balances with other banks Lendings to financial institutions Investments Advances Other assets Operating fixed assets Intangible assets Deferred tax assets
24,087,842 821,931 30,421,885 72,637,401 139,269,413 18,008,022 6,601,893 26,681,268 3,393,322 321,922,977
Liabilities Bills payable Borrowings Deposits and other accounts Sub-ordinated loans Other liabilities Net assets Share capital Reserves Unappropriated profit Surplus on revaluation of assets - net
5,691,864 15,914,343 220,265,762 1,135,900 27,841,964 270,849,833 51,073,144 38,715,850 2,667,488 6,716,831 2,972,975 51,073,144
31,187,249
2009 Total Over one Over three Over six Over one Over two Over three Over five Over ten month to months to months to year to years to years to years to years three months six months one year two years three years five years ten years ----------------------------------------------------------------(Rupees in '000)---------------------------------------------------------------------Upto one month
Assets Cash and balances with treasury banks Balances with other banks Lendings to financial institutions Investments Advances Other assets Operating fixed assets Intangible assets Deferred tax assets
21,521,550 2,238,182 20,568,064 83,784,536 124,446,724 22,104,680 6,995,784 27,026,172 4,159,452 312,845,144
3,867,500 3,867,500
Liabilities Bills payable Borrowings Deposits and other accounts Sub-ordinated loans Other liabilities Net assets Share capital Reserves Unappropriated profit Deficit on revaluation of assets - net
4,844,638 15,747,326 206,957,950 1,523,000 36,055,442 265,128,356 47,716,788 38,715,850 1,946,365 3,974,288 3,080,285 47,716,788
3,867,500
66
www.standardchartered.com.pk
Note
2009 -------- (Rupees in '000) --------113,723 557,362 3,624,892 87,391 524,863 1,800,000 1,254,219 5,086,874 133,119 55,375 1,190,530 10,132,371 3,099,484 1,719,601 3,181,834 198,160 114,300 816,811 9,130,190 1,002,181 200,000 802,181 1,002,181
41.3
1,758,147 7,552,373 28,196 211,224 582,735 14,428,652 5,381,984 2,222,316 3,440,267 417,692 805,000 444,835 12,712,094 1,716,558 200,000 1,516,666 (108) 1,716,558
Charity fund Opening balance Additions during the year Payments / utilization during the year Closing balance
www.standardchartered.com.pk
67
The Bank is in the process to fully comply with documentation requirements of IFAS 1 in respect of Murabaha transactions. DATE OF AUTHORIZATION These financial statements were authorized for issue in the Board of Directors meeting held on 03 March 2011.
68
www.standardchartered.com.pk
Al-Noor Traders
Alam Sher Market, St reet No. 5, Ana r-Kali Bazaar, Faisalabad. 47 - Gosha-I-Ahbab, Phase III, Peco / Multan Road, Lahore.
Muhammad Anwer / House No. 49, Road No. 103, Mohallah Madina Town. Block Z, Faisalabad. / CNIC 33100-7904250-5. Mr. Farasat Yasin / House No. 45. Awan Town, Gosha-I-Ahbab, Phase III, Peco Road, Link Multan Road, Laho re / CNIC 352028273747-5 (1) Mr. Sher Asfandyar Khan R/o (Current): Syasi Boat View, House # 36, Clifton Karachi. (Permanent): House # 59, St reet# 2, Sector E/7, Islamabad. CNIC # 423017437453-1 (2) Mrs. Naheed Asfand, R/o (Current): Syasi Boat View, House # 36, Clifton Karachi. (Permanent): House # 59, St reet# 2, Sector E/7, Islamabad. CNIC# 42301-0246760-2
Habib-ul-Rehman
3,996,804
1,712,586
5,709,390
946,804
2,189,029
3,135,833
FY Corporation
31,245,133
7,521,002
38,766,135
12,995,233
12,835,017
25,830,250
103,270,525
51,189,837
154,460,362
11,180,525
58,681,237
69,861,762
3) D/o Tariq Jameel (3) Mahvish Tariq, R/o House# C46,Darakhshan Vilaz Phase VI, DHA, Karachi.CNIC# 42301-1534168-2 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 ASAD SYED REZA SYED ALI RAZA SAFVI ABDULL AZIZ SYED ADIL HUSSAIN ABDUL MAJEED CHOUDHA RY SYED HASSAN I LYAS FAISAL NASIR ASIM SHAFIQUE KAMRAN KHAN SYED MUHAMMAD IR FAN QADRI RIZWAN AHMED SYED ALI MAZHAR NAQVI MIAN RIZ WAN AHMAD MUNAWAR KHAN BABER ALI ZAHID HUSSAIN DAR MARIA ZULFIQAR KHAN MUHAMMAD SHOAIB KAMAL M ADEEL QADIR ANJUM SHAHZAD MUHAMMAD SALEEM SHAHID HUSSAIN MUHAMMAD FARHAN KHAN TANVEER TAHIR WASEEM KHAN FAISAL YOUNUS MOHAMMAD NAZIM ABDUL RASHEED MOHAMMAD KAMRAN SAEED AHMED ALMANSOO RY MOHAMMAD ISRAR KHAN JAHANZAIB SIDDIQUI ASRAR KHAN SHAHZAD AZIZ AHMED KHAN SYED AKMAL ALI SHAH NAQVI RAZA ABBAS NOOR MUHAMMAD KHURRAM SHEIKH JAHANGIR I LYAS RANA BABAR IQBAL NOOR WALI 160, BANGLORE TOWN K & N CENTER SHAHRAH-EFAISAL HOUSE NO 1 AGHA BAGH THEE LANDHI MALIR CITY KOHI G GHULAM MUHAMMAD BUILDING, OKH AY MEMON, STREET# 05, 23 K, BLOCK 2, P.E.C.H.S., HOUSE # NE-461 , MOHALA DHEWKILAHI BUKSH UMER ROAD 391-Y LCCHS LAHORE CANTT H# 290 MOHALA SABZAZAR SCHEME MULTAN ROAD BLOCK-E ALLAMA IQBAL TOWN FLAT NO 15 2ND FLOOR JAMAL PLAZA F 10 MARKAZ ISD FLAT NO C-6 RUFI PARADISE BLOCK 18 GULISHTAN E JOH HOUSE NO-82 H/A S ATTELITE TOWN RWP HOUSE #22/23, R AVI PARK QILA LACHMAN SINGH LHR H NO-67-68, RAJPUT TOWN NEAR E.M.E COLONY LHR. HOUSE # N-3701 BLOCK I METROVILLE III GULSHAN-E-IQ H NO 36 ST NO 29 ABDUL KARIM ROAD QILA GUJAR SINGH HOUSE NO. G203,, CHUSHTIA COLONY NEAR MOHAMMADI MO H# 6-A, ST # 86, G-6/3, ISB. B-107, FORTE SULTAN OPP, AIRPO RT TELEPHONE EXCHA 9150901460121 4250116137379 4230177909055 4220162136781 3740596971669 27063352072 3520205666357 3520258128945 1720196974821 4220103786233 3740567356287 3520228249171 3110151844425 1220186825013 NA NA 6110191457058 4250183817051 SYED HUZUR N AWAB SYED AGHA SHUJA SAFVI KABIR AHMED SYED MUKH TAR ALI SHA MUHAMMAD SADIQ SYED I LYAS ALI NA SHAFIQUE UR REHMAN SHEIKH M AKRAM KHAN SYED AHSAN UL HAQ QADRI SH IFTIKHAR AHMED SYED MAZHAR HUSSAIN NAQVI MIAN SAKHI MUHAMMAD NA NA NA NA NA NA GHULAM SA RWAR NAZIR MUHAMMAD JAN MUHAMMAD SOOMRO MUHAMMAD QASIM KHAN ABDUL JABAR ATTA MOHAMMAD KHAN YOUNUS CHUGHTAI ABDUL WAHID NA MOHD HUSSAIN MAQSOOD AHMED ABDUL QAUUM JAVED SIDDIQUI NA NA SYED AKRAM ALI SHAH NAQVI MOHAMMAD BOO TA JALIL HUSSAIN MIAN SHEIKH MUHAAMD YOUNAS MUHAMMAD I LYAS QURE RANA MUHAMMAD ALI KHAN HASHIM ALI 709,404 678,704 680,646 680,646 564,404 532,179 561,490 509,130 640,345 508,227 696,506 533,014 554,527 530,724 488,000 501,927 522,339 554,360 621,739 572,445 630,954 599,901 482,684 568,703 699,484 506,338 508,972 537,502 551,589 725,403 703,638 585,577 616,831 705,941 911,454 487,670 666,903 575,432 571,401 602,156 10,493 13,882 14,180 9,020 32,110 31,567 11,882 12,179 28,660 11,206 10,848 8,919 8,102 3,759 3,449 12,494 6,162 19,679 7,350 12,389 18,412 20,841 13,737 7,624 18,042 (3,240) (24,506) (903) (449)
719,897 678,704 694,528 694,826 573,424 564,289 593,057 505,890 640,345 508,227 672,000 544,896 566,706 559,384 499,206 501,927 533,187 563,279 621,739 571,542 639,056 599,901 482,684 572,462 702,933 518,832 515,134 557,181 558,939 725,403 703,638 597,966 616,831 724,353 932,295 487,670 680,640 583,056 589,443 601,707
690,977 596,150 601,575 680,646 513,282 1,027,438 532,179 561,490 509,221 572,844 535,180 632,211 561,888 584,122 549,108 515,260 520,157 555,295 552,857 566,781 602,927 662,068 561,895 501,083 555,827 706,438 536,383 532,701 563,426 568,262 613,520 579,089 603,914 537,392 751,477 967,315 508,198 680,641 605,324 596,591 607,361
700,646 641,228 660,659 760,853 520,674 1,114,919 592,831 612,252 509,221 572,844 535,180 632,211 561,888 584,122 549,108 515,260 520,157 555,295 552,857 566,781 602,927 662,068 561,895 501,083 555,827 706,438 536,383 532,701 563,426 568,262 613,520 579,089 603,914 537,392 751,477 967,315 508,198 680,641 605,324 596,591 607,361
HOUSE# 107/B VII OLD CIVIL LINE NEAR THANA FATEH S 3650275708769 BHAWAL GHARBI P.O. KHAS TEHSIL & DISTT SARA ALAMGI H# 3.S.16 GALI #6, BLOCK#21, SARGODHA C -1/2 ALLIANCE ARCADE BLOCK -15 GULISTAN E JOUHAR H # K-V-45/21, MIRA PIR LINE, ST # 2, NEAR PATHAN L-3012 METROWELL III SCHEME 33 GULZAR-E-HIJARI BLO HOUSE # F-14, GULFISHAN SOCIET Y, AZEEM PURA, MALIR FLATE # D-10, KDA AP PARTMENTS BLOCK A, NORTH NAZIM H# 313, USMANIA SOCIETY GROUND FLOOR NAZIMABAD # 1 SERVEY # 1502, RFDP PIPRI CHOWK GULSHAN AL HADEED F# C-36, MADIHA HEIGHTS SECTOR 5-1, NO RTH KARACHI HOUSE # 27/5, AREA-B-1, LIAQU ATABAD, 2- ARTILLE RY ROAD, R.A. BAZAR, PESH AWAR CANT T, H # 110/1, ST # 26 PHASE V, DHA B-510 SECTOR 35-A ZAMAN TOWN KORANGI NO. 4 HOUSE NO-1 , S T-24 MOHALLAH DAR UL SHAKOH DOMORIA BUKHARI CHOWK, BUKHARI PLAZA, SHAHDR FAISAL PARK, 3420310635957 3840364821461 4330166134625 4240118223913 4250129307193 4250154776887 4210108240885 4210160095333 4250182634271 4210160137473 4210122711485 1730101111559 4230190867915 4220147036143 3520286911907 3520224483137
HOUSE# 1,STREET# 6-A, QAZI PARK, SHAHDARA TOWN, 3520015497099 H # 21-D ST # 33 SUNNY VIE W, PARK SHALIMAR LINK ROAD H # 2 ST # 2 TAJ PURA SHAD BAGH NEAR BANK AL HABIB PLOT -401 AL MARIAM A PARTMENT G-4 GOLD STREET NEAR 4220196968689 3520278764105 4230157999725
ST # 3, MAIN BAZAR ASHRA FABAD SHEIKHUPURA ROAD 3310068762409 H # 3, MOHALLA DAUDZAI NEAR HIGHER SECONDARY SCHOO 1730171836371
www.standardchartered.com.pk
69
Sr. No.
Name
Address
Principal
Principal
Total Balance
45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94
MUHAMMAD SHAHBAZ MUHAMMAD AN WAR NISAR AHMAD SHAIKH SAJJAD SALEEM MUGHAL MUHAMMAD QASIM BUTT SAJID MAERAJ M/S MADNI COMMUNIC ATION ALI INDUSTRIES SONO SHOES TARIQ ISMAIL KHALID N CHEEMA MOHAMMAD ALI MUHAMMAD MUBASHIR MOHAMMAD SAFDAR KIRAN SAIF ISHTIAQUE HUSSAIN ASMA ARSALAN MUHAMMAD MUJAHID IMTIAZ AHMED AYAZ ELAHI MUJEEB UR REHMAN MUHAMMAD IQBAL M KASHIF N AWAZ SAIFULLAH KHAN B A ZAFAR AURORA HUSSAIN SABRI IRSHAD AHMED MUHAMMAD ASKARI NAEEM SADIQ M FAREED KHAN AFTAB UD DIN MUHAMMAD AKRAM DANIYAL B ALI AMER IKRAM IFTEKHAR NISAR AMIR RAZA RIAZ RAJA MOHD TARIQ FAIZAN GHANI AKBER SAIFI RAZIA SHAHID ANJUM IKRAM SAJID NAZIR FARRUKH SALEEM ASIM IKRAM MALHI MALIK ABDUL WAHEED M. HUSSAIN SABIR MOHAMMAD RASHID NAVEED MUSH TAQ SALEEM AZIZ KHAN FAZAL GHAF FAR KHAN
H # 27 MOHALLA GOSHABAD PECO ROAD MULTAN ROAD F-118/2 MA RTON QUA RTER JAMSHED ROAD H# K -77, K BLOCK MU LTAN ROAD SABZAZAR SHOP -02 VIP SHOPPING CENTER SADIQ ABAD H# 4, ST# 9 MAHALA CHAHMIRAN LAHORE TAHSEEL 3/6, SCHEME MOR, MU LTAN ROAD
NA S SHAFIQ AHMED SH RASHID AHMED SALEEM PE RVEZ MUGHAL MUHAMMAD AHSAAN BUTT NA ZULFIQAR ALAM MUHAMMAD RASHEED NA NA CH HSAN MOHD MOHIB ALI IQBAL AHMED NA ARIF MASOOD AFZAL HUSSAIN ARSALAN J AWAD MOHAMMAD YAMIN ALTAF HUSSAIN NA KHALIL UR REHMAN FAZAL ELAHI CH ANWAR AHMED GUL ADAM PAYARA LAL MUHAMMAD HUSSAIN M AHMED SYED TAQI MUHMMMAD N SAIDQ ALI MUHAMMAD SAEED KHAN SHEIKH RIAZ UD DIN CH AMEERUDDIN NA NA NISAR AHMED SHEIKH RIAZ HUSSAIN RAJA MOHAMMAD ASHRAF NA BADAR MANZOOR SAFI MUHAMMAD SHAHID AZAM SHEIKH MUHAMMAD IKRAM SHEIKH MUHAMMAD NAZIR MUHAMMAD SALEEM MUHAMMAD IKRAM MALIK ABDUL RASHEED NA NA MUSH TAQ AHMED NA NA
611,085 613,447 806,861 507,640 675,249 632,418 644,098 525,768 645,770 482,139 481,040 462,351 493,260 494,816 622,907 469,028 335,392 482,902 473,081 481,509 713,352 483,314 381,401 459,995 415,650 339,428 420,899 387,521 499,479 435,955 398,408 445,304 516,621 671,003 477,975 471,690 476,928 449,994 522,338 310,344 577,916 340,708 479,474 498,960 418,006 452,899 485,425 477,008 419,875 1,319,812
22,785 8,105 9,177 17,764 6,658 8,194 18,346 27,253 159,925 115,488 81,382 79,404 67,082 46,779 57,563 105,584 79,213 41,375 51,869 89,055 99,252 92,431 80,599 93,560 139,672 135,160 109,842 94,672 99,395 100,501 67,023 79,262 13,791 10,180 34,423 140,616 40,800 24,959 32,953 15,551 152,815 31,328 177,531
18,650 15,491 38,258 9,656 5,910 9,642 15,551 39,511 10,902 15,601 5,078 15,179 29,070 11,936 5,652 66,725 63,862 32,879 97,843 9,541 11,168 10,440 6,841 3,904 15,278 6,143 13,765 14,844 59,957 18,803 876 3,730 18,240 4,668 1,199 21,150 4,535 21,315
633,870 621,552 816,038 525,404 681,907 640,612 662,444 553,021 645,770 660,714 612,019 581,991 582,320 567,808 679,328 542,142 480,487 573,017 530,057 538,456 817,586 611,636 485,768 546,246 575,935 542,962 588,938 595,206 603,692 546,518 509,349 519,168 520,525 686,281 563,380 485,481 500,873 499,261 522,338 510,917 637,519 341,584 508,163 550,153 422,674 452,899 502,175 650,973 455,738 1,518,658
639,282 597,660 588,331 542,646 663,578 657,046 615,548 572,150 663,779 616,311 612,019 620,711 646,409 636,371 756,822 611,467 530,352 623,680 630,374 649,023 850,165 625,350 518,125 578,788 611,109 565,186 614,263 606,916 638,540 555,437 514,088 561,437 528,294 694,635 606,881 594,929 583,901 606,570 649,190 636,700 703,800 512,763 758,706 611,301 548,430 635,952 640,615 645,424 542,066 919,751
639,282
588,331 542,646 663,578 657,046 615,548 572,150 663,779 616,311 612,019 620,711 646,409 636,371 756,822 611,467 530,352 623,680 630,374 649,023 850,165 625,350 518,125 578,788 611,109 565,186 614,263 606,916 638,540 555,437 514,088 561,437 528,294 694,635 606,881 594,929 583,901 606,570 649,190 636,700 703,800 512,763 758,706 611,301 548,430 635,952 640,615 645,424 542,066 919,751
70/1 5TH STREET OFF KH AYABAN-E-B PHASE-VI DEFENCE HOUSE NO 375/B SARFRAZ RAFIQUE ROAD LAHORE CANTT HOUSE NO M/6 AVER SHINE SQUARE BLOCK 10 , GULSHAN NEW LEATHER GOLD 108-B NEW LE ATH ER GOLD PANROMA C LASER HAIR TRANSPLANT 4-A, AL SH EIKH PLAZA, 1ST F H NO.116,,, EDEN AVENUE EX T.. AIRPO RT RD LAHORE.. A-144 BLOCK 13-C GULSHAN E IQBAL H NO 1836/A, BLOCK # 1, M ATROVEL 3, NEW BAO JEE RESTURANT 32 HAIDER ROAD, SADDAR FLAT NO.A 306 ,3rd FLR , AL HABIB AP PARTMENTS, BLO 96/1 24TH STREET KH AYABAN-E-MUHAFIZ PHASE 6 D.H.A SHABIS TAN MOTORS/SHABIS TAN CINEMA FRONT FACE COMMI H NO 61 G 2 WAPDA TOWN KIRAN CLINIC NAWAZ BAKERS & GENERAL STORE 25- A GILLANI MARKET S.K.CORPOR ATION 22-C SOUTH PARK AVENUE PHASE II EX SALON DON ATO SHOP-2 BLDG #-C-15- C KH AYABAN E SEHA CASH DE PARTEMEN TAL STORE. SHOP N O 4,5,6 BLOCK A. R 1282 BLOCK 17 F B AREA HOUSE # SU-75 BRIGADIAR HOUSE ASKARI IV RASHID MIN H NO P 158 ST NO 06 DHOBI GHAT FAREED TRADERS FAREED TRADERS SHOP NO-4 MASJID E H NO 100/5 WARSEE ES TATE SAINT JOHN PARK FAST LINKS RAH AT ESTATE RAHAT MKT AZIZ BH ATTI RD L M/S DS SOURCING (PVT) LTD 18-A N ISAR ROAD NEAR PO MALLHI SPO RTS (PVT) LTD. DASKA ROAD SIALKOT PAKIST GENERAL MOTORS STORES 18A AZIZ MAHAL MOHAN RD OPP 34-AL HAMD PLAZA URDU BAZAR LAHORE
4230173272563 4220152466285 4200004748413 3520067699239 6110130217249 3520186111308 4220161979699 4230169209060 6110117974397 4230189250283 4230130160847 3740570387973 3520233906297 3520293066471 4220130896155 4200004873681 6110147510481 4210107838383 4210116699069 3310008667205 4210196299305 3520198331311 3520121771769 3520114740689 30065027189 4200003638473 3520252008071
FLAT # 4, PLOT # 3-C 28TH TAUHEED COMM PHASE V, D. 3740141510881 HOUSE NO 104, EDEN AVENUE LAHORE CANTT H NO 100/1 MAIN KHAYABAN -E - SHAHEEN PHASE 6 DHA H NO 45 GULGERG AVENUE LALAZAR NO 1 JHELUM ROAD MALLHI SPO RTS PVT LTD DASKA ROAD P O BOX 1025 H NO 5 ST NO A-25 NEW WASAN PURA A-18, BLOCK-C NO RTH NAZIMABAD MALHI SPO RTS PVT LTD DOBURJI MAL IHAN, DASKA ROAD OBAID ASSOCI ATES A I AL MINAR MA RKET CIRCULAR ROA MARDAN MACHINE RY STORE FO WARA M ARKET NEW BUS STAN PLATO SURGICAL STREET NO 5 PREM NAGAR, NAVEED PROPE RTY ADVISOR OFFICE N O 54/10 TULSA ROA HOUSE NO.14-A 2ND WEST ST PHASE-1 DHA KARACHI OFFICE NO 7,1ST FLOOR, ALI PLAZA,6TH ROAD, RAWALPINDI 3520125567131 4230166845085 3740502064474 3460346728147 3520224215793 4220163403423 3460360035967 3520226988177 1610112524313 3460339332773 3740558281863 6110103950107 1560254842117
70
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145
SHAMRAIZ KHAN TANVIR NABI MALIK FAISAL KH MUHAMMAD USMAN ABDUL HAMEED SALAHUD DIN AHMED RAHID SAMI SHEIKH ABDUL M ATEEN TARIQ MAHMOOD SHEHRYAR GHANI IRFAN B QURESHI SHAHAB N AHMED SABAHAT JABEEN N A BUTT ASIF RAFIQ ZULFIQAR ALI CH OMER AIZAZ SHEIKH MUHAMMAD NASIR NAVEED EJAZ PARACHA KHAWAJA SHAKEEL JAM SALEEM ALI SH MUHAMMAD SOHAIL SALMAN MASOOD GHULAM NAKSHBAND SOHAIL FAROOQ FAROOQ HASSAN AQEEL ABBAS MUHAMMAD MUBEEN IMTIAZ A FARSHAVI BABAR Y KHAN MUHAMMAD SHIRAZ SHEIK M AFZAL S ASIM ALI EHSAN ELLAHI ASHRAF ALI MUHAMMAD IDRESS JAVAID IQBAL RIASAT WASEEM AHMED MALIK SHAHZAD ZIA UR REHMAN LUK WASEEM AHMAD WASEEM AHMAD GHULAM MOHAMMAD TANYA S HABIB ANIKA KHAN SALMAN MASOOD MAQBOOL AHMED MUHAMMED WASIM UMER FAREED ASGHAR MUHAMMAD UMAIR SAJID FAROOQ
HASSAN GARMENTS B-343 COMMERCIAL MARKET SATTELITE GN ASSOCI ATES 354 BLOCK D JOHAR TOWN TAJ PURA MAIN ROAD IMAM DIN HOUSE QUALITY THREAD IND MAIN JHUMRA R OAD OPP NISHATBAD
MUHAMMAD ISHAQ GHULAM NABI NA KH MUHAMMAD SALEEM CHOUDH RY MANGU KHAN ABDUL RASHID NA SHEIKH ABDUL HAMEED MASOOD UR REHMAN IJLAL GHANI ABDUL GHAFUR QURESHI RAFI NASEER KAISER SALEEM SHEIKH MALIK SALEEM MUHAMMAD RAFIQ GHAUS CH MIRAJ DIN AIZAZ MUNZOOR SHEIKH ABDUL RASHEED MALIK EJAZ HUSSAIN PARACHA KHAWAJA ABDUL RASHEED NAWAB JAM SADIQ ALI KHAN SHIEKH MUHAMMAD YOUNUS NA MUSTAQ AHMED QAYYUM JILANI MUHAMMAD YAQOOB M NIAZ QAYAMUDDIN MALIK ALLAH BUX NA SHEIKH MUHAMMAD IQBAL NA NA NA NA GHULAM MOHAMMAD RIASAT ALI ABDUL RASHID MIRZA MUH TAR BAIG NA ABDUL RASHID ABDUL RASHID SHAHNAWAZ KHAN JAMALI SHEHLIN AY ATTA ULLAH KHAN NA NA MOHAMMAD SADIQ MUHAMMAD UMAR ASHFAQ ALI KID WAI FAZAL ELAHI GHULAM FAROOQ PARAC
494,668 363,809 389,032 435,049 809,968 494,959 425,907 348,784 761,016 497,734 392,975 484,794 445,922 377,237 396,984 279,843 358,509 425,368 339,471 495,839 411,013 325,909 488,113 333,220 345,193 392,059 31,663 269,841 141,233 497,932 425,094 388,493 376,163 480,125 455,380 291,937 436,767 499,900 388,832 452,040 999,993 499,975 460,575 446,237 496,425 485,301 641,528 452,401 440,092 209,241 436,132
35,172 86,650 107,978 91,266 33,523 25,101 141,065 73,685 48,836 21,915 28,316 13,663 27,448 9,154 13,514 6,187 111,501 310 38,902 79,251 34,650 44,849 46,214 16,791 1,265 103,352 4,567 44,832 14,726 33,281 14,572 25,203 60,084 105,511 19,108 340 49,858 34,267 33,253 14,366 43,352
6,048 84,208 32,007 42,478 1,112 1,740 11,070 2,734 11,450 13,263 37,984 1,098 13,926 239 46,225 4,640 696 57,622 38,067 2,844 27,392 19,282 2,804 48,178 59,324 71,492 6,496 16,415 12,211 379 3,212 97,277 13,935 83,908 33,001 208 10,859 3,366 34,716 8,792 6,988
535,888 534,667 529,017 568,793 811,080 496,699 470,500 376,619 913,531 584,682 479,795 507,807 488,164 391,139 470,657 293,637 372,719 489,177 489,039 498,993 477,307 424,442 525,567 426,247 450,731 480,342 39,424 389,608 145,800 554,975 425,094 388,493 391,268 516,618 469,952 414,417 510,786 499,900 578,251 504,149 999,993 499,975 460,575 446,785 557,142 522,934 676,244 494,446 454,458 209,241 486,472
634,663 615,696 593,604 621,187 807,100 502,151 525,945 526,313 706,979 616,964 654,116 599,275 563,149 550,696 608,825 508,246 575,780 561,292 554,430 645,576 592,655 543,692 628,488 504,029 594,864 584,488 618,225 535,587 544,447 661,010 532,325 552,675 534,669 654,806 610,125 521,485 661,553 617,559 603,627 591,331 1,236,965 622,304 582,620 618,412 657,587 635,878 643,649 599,341 570,163 632,797 917,049
634,663 615,696 593,604 621,187 807,100 502,151 525,945 526,313 706,979 616,964 654,116 599,275 563,149 550,696 608,825 508,246 575,780 561,292 554,430 645,576 592,655 543,692 628,488 504,029 594,864 584,488 618,225 535,587 544,447 661,010 532,325 552,675 534,669 654,806 610,125 521,485 661,553 617,559 603,627 591,331 1,236,965 622,304 582,620 618,412 657,587 635,878 643,649 599,341 570,163 632,797 917,049
BISMILLAH INTERN ATIONAL FL AT# 02 1ST FLOOR AF TAB 8110140700197 P HOUSE 10/B SOUTH PARK ST SUNSET BOULE VARD DEFENCE 106 1ST FLOOR PARK TOWER CLIFTON KARACHI HOUSE # 789, BLOCK G-4, JOHAR TOWN,LAHORE KARWAN E OHAD OFFICE#10-12 SHALIMAR PLAZA CHANDNI FEROZ SONS PRINTERS PVT LTD GROUND FLOOR VARIAWA B CANOPOES INTERN ATIONAL LTD PVT O FFICE NO 9-10 2ND 9 A2/1 8TH CENTRAL STREET PHASE II D.H.A KARACHI P LG SHIMLA TOWER 5 D AVIS ROAD J-87 D H A LAHORE CANTT 101-102 SAEED COLONY NO 1 CANAL ROAD SOOSAN 1ST FLOOR HAQ BAHOO MARKET PAKKI TH ATHI SAMANABAD 37-P, GULBERG II SUPER ARMY STORES 6-7 NEW PAF MA RKET SARFRAZ RAFI HOUSE NO 34 STREET NO 27 VALLEY ROAD WESTRAGE KHALIL ULLAH INTERPRISES 1-2 BASEMENT MIRRAN HUSS LAND LORD HOUSE F 61/4 BLOCK 4 CLIFTON AMIR ENTERPRISES SHAIKH MALL 24/ 34 KFC BASEMENT Z HOUSE # 115, STREET # 12, F-11/1, ISLAMABAD. H NO 621 SECTOR 4-C SAEEDABAD BALDIA TOWN H NO 87 ST NO 4 HILL TOWN MANZOOR COLONY HASSAN BROTHERS 18 SHALIMAR PLAZ A AZIZ BHATTI ROAD HOUSE 235 D BLOCK S ATELLITE TOWN R AWALPINDI MOBILE WORLD SUITE 25 FEROZE ELE CTRONICS MKT ABDU FALCON TEXTILES,FL AT NO.101, 1st FLR,RABIA HOUSE,T HOUSE NO 1 CHAMBA HOUSE LANE GORI H NO 29-B GULBERG TIME AGENCIES 907 9TH FLOOR GUL TOWER I I CHUNDRIG L-04, ALAM NAGAR MALIR SAUDABAD 4230180095745 51486124628 3520163604373 6110177699175 4220106554479 6110158672153 4230172544943 3520226157388 3520193889123 3310034725741 3520224379125 3520280516107 3520236640735 3740537136625 3520014542855 4230134966633 3740549224863 1730149147231 4240119177535 4230133961475 3740562714265 6110155319915 4230110801351 4220109025313 3520228652207 3310064948635 4230110993771 4220165245865
M.B. DYES CHEMICAL AND SILK IND. P LT NO 439,440 SE 4220107477555 H NO 142 BEHIND RABIA TRUST HOSPI TAL BATALA GMC CONSTRUCTION COM PANY H NO A- 191, BLOCK NO 5 G H NO 144 A ST NO 8 SABZAZAR COLONY 181-C GULBERG COLONY H NO 36 ST NO 36 MAIN BAZAR BIBI PAKDAMAN 3310033297103 4220141231923 3630242808087 3310034709463 3520214106997
AZ LUCK GROUP SUITE # 17 1ST FLO OR D AVIS HEIGHTS 3520070224457 181-C GULBERG COLONY FAISALABAD FAISALABAD 181-C GULBERG COLONY FAISALABAD FLAT # 510,5TH FLOOR, SEA WORLD APT T,SHRIN JINAH C 14 8TH STREET KH AYBAN-E-JABAL PHASE# V DHA ANIKA KHAN ? HOUSE # 19-A/II, SUNSET AVENUE HOUSE NO 4 KHALID ROAD PESH AWAR CANTT SH NASEER AHMED & CO. 107,1/ F,COMMERCE CENTRE HASR HNO C-55 BLOCK 10, AISHA MANZIL, F.B AREA, NR ARS 16/A/II GOLF COURSE ROAD NO 4 PHASE 4 DHA 3310034709463 3310034709463 4310105260427 3830225619146 4230161410906 1730149147231 4230110669631 4210110555237 4200005489635
UMAIR GARMENTS NEAR SE RVIS SHOES S ATIANA ROAD 3310073948071 SAJID PARACHA & SONS ROOM NO 208 SUNNY PLAZA HASRA 4230108607291
www.standardchartered.com.pk
71
Sr. No.
Name
Address
Principal
Principal
Total Balance
146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195
SH MOHAMMAD AFZAL MANSOOR ALI PONA WALA SHAHID BIN SHAMSHER SAIFULLAH KHAN SARFARAZ AHMED MALIK MUHAMMAD IMRAN MUHAMMAD IQBAL IMRAN YOUSAF NAUSHAD SADIQ NADEEM MAJID ASGHAR CHEEMA DARA SHAIKH NAEEM SADIQ IMAMUDDIN SHAIKH QAZI IR FAN NAWAZ FAHAD KHUSHI ABID HUSSAIN IHSAN ASGHAR MUHAMMAD IR FAN NADEEM AHMED DAR SHAIS TA YAMEEN HUSSAIN SABRI GULZAR AHMAD TALIB HUSSAIN M SOHAIL SYED HAMAD HUSNAIN ZAIDI FARZANA MUFTI ABDUL QADIR HUMAYUN SIDDIQ ABDUL RAUF MUHAMMAD J AVED M ARJUMAND FAROOQ BAHADUR ALI ZA FAR MUHAMMAD IR FAN MUDASSAR MUSH TAQ MANSOOR ALI MUHAMMAD N AWAZ KARIM IBRAHIM CH AZIZ UR REHMAN ABDUL Q AYYAM IFTEKHAR NISAR SHEIKH NIAZ AHMED ASHIQ HUSSAIN M YOUSAF AMJAD MUNIR FAIZ AHMED MOAZZAM MASAUD M IMRAN KAMIL ASIM IFTIKHAR SHAHID JALIL SHAMRAIZ KHAN
TIME AGENCIES 907, 9TH FLR GUL TOWERS I.I.CHUNDRIG PLOT NO G-3, FL AT NO X-403,AL HABIB ARCADEBLOCK 7, 179 F F D H A H NO 40, ST NO 8B AREA, 36-BLANDHI NO 5 FLAT # 7 SUMAIRA ARCADE BLOCK N NORTH NAZIMABADKARAC H NO 27 JAMAL ST NO 2SANDA KHURD H NO 61 G 2WAPDA TOWNKIRAN CLINIC 92-B-1M M ALAM ROADGULBERG IIILAHORE A-402 AL-ZEHRA GARDENGARDEN EASTKARACHI H 119 BABAR BLOCK NEW GARDEN TOWN 269/1BLOCK RPHASE 2DHALAHORE TOWN HOUSE NO 9AMAR VILLAS PLOT NO 20/ADR ZIA UDDIN HOUES NO P-158 STREET NO 6 DHOBIGHAT FAISLABAD 15/CSUNSET LANE 1PHASE II EXT DHAKARACHI H NO 983 WARD NO 6KABUL ROAD CANTT 179-M GULBERG III 730-K GULIS TAN COLONY FAISALABAD ZEESHAN BUILDING STMOH. DIN PURA CAPITAL ROADSIALK H NO P-1549, ST NO 8 PARTAP NAGARJAMIA MASJID SHREE H NO 13/169 MOH TIBBA TANCHISIALKOT
4230110993771 4230101170633 3520151413525 4220130896155 4210155182103 3520216919377 3520233906297 3520287703609 4220104442206 3520290209729 3520207538427 4230165170841 3310008667205 4230162550705 3460207087699 3520217145145 3310036008687 3460322270047 3310007212693 3460371514089
NA SALEH BAHI PON AWALA SHAMSHER ALI GUL ADAM KASHIF AFRIDI MUHAMMAD IMRAN FAZAL ELAHI NA SHIRAZ NA NA M A SHAIKH SAIDQ ALI NA QAZI MUHAMMAD N AWAZ NA MANZOOR HUSSAIN ASGHAR ALI MUHAMMAD EHSAN M YOUSUF DAR MUJAHID BUTT MUHAMMAD HUSSAIN NA MIRZA KHAN NA NA FAISAL SU LTAN MUFTI NA MOHAMMAD SIDDIQ ABDUL AZIZ MOHRKHAN MUHAMAMD TARHAV NA PAYARA LAL MUHAMAMD YASIN MUSH TAQ AHMAD CH MANZOOR ALI KHAN MUHAMMAD SIDDIQUE IBRAHIM PARDHAN NA NA NISAR AHMED GHULAM NABI SHEIKH GHULAM HUSSAIN ABDUL GHAFOOR M IBRAHIM NA MOHAMMAD KAMIL IFTEKHAR AHMAD CHOUDH RY ABDUL JALIL MUHAMMAD ISHAQ
443,270 499,617 557,948 500,741 500,803 501,583 501,780 462,808 599,217 918,655 779,871 501,632 500,710 872,231 487,306 720,476 489,066 501,564 429,349 449,746 536,852 999,650 397,440 688,764 579,426 400,799 472,969 658,328 549,546 417,665 471,804 484,599 492,162 449,905 474,274 434,436 498,481 458,355 501,064 443,403 443,127 482,244 404,922 491,647 484,776 739,288 720,427 439,637 498,753 499,244
90,994 63,507 92,400 81,269 80,410 93,229 77,452 112,161 142,803 129,112 54,752 64,987 121,537 83,367 121,387 53,777 76,933 61,082 41,873 74,381 138,240 94,651 95,274 80,066 100,619 74,852 16,718 60,562 52,141 49,769 68,249 54,328 49,483 39,316 60,038 60,823 38,231 95,315 36,690 36,482 39,574 55,602 91,208 74,532 61,282 99,221 48,202 27,453 26,990
443,270 590,611 621,455 593,141 582,072 581,993 595,009 540,260 711,378 1,061,458 908,983 556,384 565,697 993,768 570,673 841,863 542,843 578,497 490,431 491,619 611,233 1,137,890 492,091 784,038 659,492 501,418 547,821 675,046 610,108 469,806 521,573 552,848 546,490 499,388 513,590 494,474 559,304 496,586 596,379 480,093 479,609 521,818 460,524 582,855 559,308 800,570 819,648 487,839 526,206 526,234
579,052 499,617 557,948 500,741 500,803 501,583 501,780 462,808 599,217 918,655 779,871 501,632 500,710 872,231 487,306 709,535 489,066 501,564 429,349 449,746 536,852 1,001,680 397,440 688,764 579,426 394,410 475,148 640,682 551,576 419,695 471,804 484,599 492,162 449,905 474,274 427,919 498,481 460,385 487,779 443,403 443,127 484,274 404,922 476,958 484,776 739,729 724,650 440,416 500,783 499,244
106,745 64,950 108,187 82,504 81,643 109,049 90,423 131,053 168,550 150,970 70,090 93,054 148,205 101,678 122,881 68,731 95,779 85,149 55,624 103,018 191,653 115,851 132,015 110,974 121,157 92,796 17,829 105,335 90,568 88,159 107,681 83,170 86,091 67,110 83,084 95,270 88,129 120,575 84,796 73,668 92,497 99,899 122,771 134,352 142,351 190,254 108,159 95,565 95,148
579,052 606,362 622,898 608,928 583,307 583,226 610,829 553,231 730,270 1,087,205 930,841 571,722 593,764 1,020,436 588,984 832,416 557,797 597,343 514,498 505,370 639,870 1,193,333 513,291 820,779 690,400 515,567 567,944 658,511 656,911 510,263 559,963 592,280 575,332 535,996 541,384 511,003 593,751 548,514 608,354 528,199 516,795 576,771 504,821 599,729 619,128 882,080 914,904 548,575 596,348 594,392
HOUSE NO 5STREET NO 35KH AYABAN E MUHAFIZPHASE- 4230141352732 6 DH 153/B,STREET 48F-10/4ISLAMABAD 126 H BLOCK MODEL TOWN STREET NO. 5HOUSE NO. 48BUS TAN COLONYCOTLUCH PAHTLA HOUSE NO C 230 BLOCK NO 10 F B AREA HOUSE # 180-E,STREET # 2,SIR SYED ROAD RAWALPINDI C 1101BONVIS TA AARTMENTS KEHKASHANCLIFTIONKARACHI B 81 BLOCK 10-AGULSHAN E IQBALKARACHI B 211 BLOCK 18 GULSHAN E IQBAL B 157 BLOCK 2GULIS TAN E JOHARKARACHI 805-Z DEFENCE H # 57 ARMY HOUSING SOCIETY DEFENCE FLAT NO 5 3RD FLOORBLD # 23-C BADAR COMM. STREET N H NO 74-FBLOCK CS ATTELITE TOWNNEAR BILAL HOSPI TALR H NO.378ST NO.3 GURUNANIK PURANEAR GOVT COLLEGE FAI h no 21/c, f4SHAHBAZ LANE 2,PHASE VI, DEFENCE H NO 74 CHOHAN ROADISLAMPURABUND ROAD A/1 BARVERLY HILLS VELASBLOCK 798 BATH ISLAND KARACHI 24/ SHADMAN COLONY NO.1 H NO 127 ST NO 65 F-11/4 61-B-1 3RD SUNSET STREETPHASE II EXTD H A KARACHI H # 12/25 GREEN VIEW COLONYGHULAM MUHAMMAD ABADFAI 6110147510481 3520233177921 3520188759393 4210133447135 3740533055427 4230128344916 4220107973617 4220103611231 4250114254545 3520187858293 3520126840555 4200004873681 3740559267485 3540339384339 4200004658413 3650206184399 4230178588101 3520254621937 3420206813663 4200003638473 3310046863389 4200005017289 HOUSE # 1/4-ESTREET # 10G-7/2ISLAMABAD H NO 9 ST NO 7PREME GALLI DILMUHAMMAD ROAD 82-GGULBERG IIILAHORE C 41 ZAHRA CENTRE BLOC KG HAID RY NORTH NAZIMABAD 6110144898815 3520230167783 3520228083345 4210119332531 3520224830919 HOUSE NO 74 21 AIKER SCHEMESAMANABADLAHORE H NO O/810-CST NO 15FEROZE PURAOPP NAZ CANIMAR AWAL 3520201484059 3740533258963
72
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245
ABID RAFIQ RAJA M TARIQ HANIF GHAF FAR S NASIR AHMED MAHMOOD HUSSAIN RAHID SAMI MIAN LIAQ AT ALI TAMIM AHMAD MUHAMMAD ALI NAVEED UL HAQ MALIK SHAHZAD M ABBAS NADEEM FARRUKH SALEEM RASHID SAMI SULTAN ALI MUNAWAR HUSSAIN TARIQ SHOAIB AHMED MUHAMMAD FAYYAZ SAHIBZADA SHAHID SHAHID BUTT IQBAL HUSSAIN FAIZAN GHANI M SIDDIQUE SALAM HAMID GHULAM KIBRIA ABIDA SHAHEEN NASIM RAZA S IMTIAZ HAIDER NAVEED ASGHAR BUTT SHEIKH MH SHAFIQ UZMA JUNAID KALEEM SALEEM KHURRAM BUTT MUHAMMAD ALI IRFAN AHMED NAMRA S MAQSOOD M JUNAID ARSHAD ABUL HASSAN AGHA AZHAR ALI H YOUSAF AHMEDANI SHAKEEL AHMED CH ALLAH DIT TA SHAD BASHIR AHMAD USMAN AHMAD BUTT RIZWAN MASOOD SOHAIL NASEEM SYED ALI IMRAN PARVEZ RAHIM IMRAN SALIM M IMRAN ZA FAR KHAN
KARIMI ST NO.32 H NO.3 PEER GHAZI ROADICHRA FLAT NO 428 TAUHEED COMM STREETPLOT NO 3/CPHASE V 10 GULNAR APPT 2ND FLOOR CHOUDH RY KHALIQ UZ ZAMAN 84-A CANAL VIEW SOCIETY 77-A MODEL TOWNLAHORE 112/1 KHAYABAN E RAH AT 8TH STREET 14-A ,D/I GHALIB ROAD GULBERG III 7-P MODEL TOWNLAHORE H # 40-F EMPRESS ROADOPP AMERICAL COMSL ATELAHORE 207 GARDEN BLOCKNEW GARDEN TOWNLAHORE 36 EMPRESS PARKBIBI PAKDAMANLAHORE 10 JINNAH PARKINDUSTRIAL AREAGULBERG 11LAHORE A-18, BLOCK CNO RTH NAZIMABAD 112/1 STREET NO 8KH AYABAN E RAH ATPHASE VI DHA
3520221793135 3740141510881 4230101430199 3520228211163 3520234508939 4230188338155 3520227509503 3520014951857 3520253920409 3520218762441 3520214106997 3520226290191 4220163403423 4200002868719
M RAFIQUE RAJA MOHAMMAD ASHRAF GHAFFAR MOTI WALA S M ANWER NA SAMI AHMED MIAN MOHD IBRAHIM KHAIRET IBNE RASA TAJ UD DIN MIAN ABDUL HAQ MIRZA MUH TAR BAIG MUHAMMAD RASHEED MUHAMMAD SALEEM SAMI AHMED JAFRI BUKSH ELAHI CHAUDH RY ABDUL KARIM MIAN GHULAM AHMED MUHAMMAD L ATIF SHEIKH JAMIL UR REHM NA AHMED ALI NA NAZAM DIN ABDUL WAHEED HAMID NA PEER SARDAR ALI CH MUHAMMAD SHARIF S NASEER HAIDER RIZVI MALIK SALEEM MUHAMMAD SHARIF MUHAMMAD JUNAID ARSHAD SH MUHAMMAD SALEEM SABAR BUTT MUHAMMAD SIDDIQUE KHALIL AHMED S SHAHID MAQSOOD MIAN M ARSHAD LATE SULTAN ALI AGHA YOUSUF ALI NA MOHAMMAD AMIN NA MOHAMMAD SARWAR FAYYAZ AHMAD BUTT MASOOD ALAM MOHAMMAD NASEEM S MUS TANIR RAZA (LATE) S.A RAHIM NA ZAFAR HUSSAIN KHAN
455,405 846,125 438,011 509,182 539,176 999,630 954,147 453,524 498,677 492,319 497,377 501,493 491,390 440,178 492,432 463,191 158,092 510,318 499,996 487,277 438,435 469,307 469,569 920,000 442,245 499,496 567,469 591,212 378,694 611,718 582,214 486,522 416,404 498,322 492,321 466,946 541,502 499,107 495,430 591,941 448,811 581,965 208,985 488,372 497,047 473,090 496,920 498,996 383,254 416,081
50,138 21,278 11,125 13,063 45,112 25,366 24,402 37,495 13,487 67,872 39,991 27,515 15,214 14,830 54,286 14,012 4,520 167,597 12,514 12,362 24,068 10,914 45,202 50,703 11,356 82,925 16,389 39,071 4,909 67,222 12,442 41,031 22,745 13,102 14,673 135,320 17,181 13,164 27,883 14,764 24,852 16,407 5,725 135,612 12,145 12,544 13,381 14,454 71,515 17,342
505,543 867,403 449,136 522,245 584,288 1,024,996 978,549 491,019 512,164 560,191 537,368 529,008 506,604 455,008 546,718 477,203 162,612 677,915 512,510 499,639 462,503 480,221 514,771 970,703 453,601 582,421 583,858 630,283 383,603 678,940 594,656 527,553 439,149 511,424 506,994 602,266 558,683 512,271 523,313 606,705 473,663 598,372 214,710 623,984 509,192 485,634 510,301 513,450 454,769 433,423
441,541 861,155 440,041 526,212 525,030 986,666 954,147 454,964 498,677 492,319 490,154 494,114 493,420 501,708 470,047 463,191 994,761 464,941 501,992 461,574 451,234 471,743 458,312 910,682 460,641 478,474 578,583 591,212 470,000 584,190 573,981 479,897 418,434 493,700 490,936 431,345 625,055 485,061 475,713 877,586 450,220 600,000 439,937 490,982 494,838 480,060 490,934 498,986 374,361 412,450
85,230 164,285 84,175 100,124 102,835 137,101 180,630 111,835 82,796 148,883 107,820 95,007 106,507 106,308 84,933 99,957 181,232 169,865 83,189 88,585 86,057 78,197 116,296 24,943 87,722 123,037 124,352 138,785 89,705 130,446 110,153 121,100 102,614 93,764 106,698 154,358 133,249 79,669 92,973 165,861 123,484 128,881 81,203 243,220 95,652 91,826 94,009 108,762 135,819 109,633
526,771 1,025,440 524,216 626,336 627,865 1,123,767 1,134,777 566,799 581,473 641,202 597,974 589,121 599,927 608,016 554,980 563,148 1,175,993 634,806 585,181 550,159 537,291 549,940 574,608 935,625 548,363 601,511 702,935 729,997 559,705 714,636 684,134 600,997 521,048 587,464 597,634 585,703 758,304 564,730 568,686 1,043,447
B-1-303/2, SUN BEACH APPTPHAES II BLOCK 9 GULISTAN 4210170337523 H NO P 182/3 ST NO 17MOHALLAH CHIBAN 309/N DHA 78-E1 JOHAR TOWN 94/1 26TH STREET PHASE VI D H A 31-B M A M C H S 31-B MUHAMMAD LI MEMORIAL FLAT NO 1 FIRST FLOOR RAZZAQ WAHAB MANZIL MANSFIEL 11-ARMY HOUSING SCHEMEDEFENCELAHORE 201-Q PHASE IID H ALAHORE CANTTLAHORE 299ST NO 8CAVALARY GROUNDEXTLAHORE HOUSE # 53STREE T-32F-6/1ISLAMABAD FLAT 70 KOTHI RAJAN BAGH M AYO HOSPI TAL 61/2BLOCK WDHALAHORE B 39 BLK 13FEDERAL B AREAKARACHI J-87DHALAHORE CANTT 165-QDHALAHORE 68 APHASE 2CCHS MODEL TOWNLINK ROADLAHORE PLOT # 42 FL AT 2BLOCK 1 SECTOR C-1TOWN SHIPLAHORE H NO 3 ST 41 MANOHAR STNICOLSON ROADLAHORE H NO.P-261 ST NO.10 TAJ COLONY SARGODHA ROADFAISALA D-31 BLOCK 7GULSHAN E IQBALKARACHI 57/4,KHAYABAN E BUKHARI PHASE 6D.H.AKARACHI 68-A PHASE IIGECHSLAHORE PLOT NO JM 135, FL AT NO 205, 2nd FLOORROSE GARDEN, B-145BLOCK 18GULSHAN-E-IQBALKARACHI BANGLOWS 27 BLOCK 3OVERSEAS HOUSING STADIUM ROADKA 619/2 SECTOR Z DHA 88/DSARDAR STREE TALLAMA IQBAL ROADLAHORE CHAK NO 7.J.B FAISALABAD 15-XX PHASE IIIDHALAHORE H NO 10 ST NO 4-X BLOCKPOEPLES COLONY H NO Q 74KORANGI NO 2 HOUSE NO D-B/22AMROHA SOCIETYSCHEME 33, GULIS TAN E 81/2 24TH STREET PHASE-6 DHA I H 7FALECON HOUSE COMPLEXOPP CENTRE POINTGULBERG H NO 503SECTOR G-IJOHAR TOWNLAHORE 3310009124915 27066403710 3520286679513 4230184631919 4220146464369 4230109398505 3520125567131 3520114586381 3520116104541 6110187426001 33793243252 3520136661731 4210154830365 3520193889123 3520109939441 3520222704678 3520259443481 3520229177787 3310006822847 4220155666771 4230118142030 3520223849459 4220176176265 4220165751337 4220194611155 27374278417 3520236382103 3310217632491 3520227546641 3410123976987 4220121486169 4220159393709 4230109334297 3520270854731 3520227440057
573,704 728,881 521,140 734,202 590,490 571,886 584,943 607,748 510,180 522,083
www.standardchartered.com.pk
73
Sr. No.
Name
Address
Principal
Principal
Total Balance
1,185,138 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 IMTIAZ M SARFARAZ MUHAMMAD USMAN SOHAIL RAZA AKH TAR FIAZ AHMED IFTIKHAR AHMED IMTIAZ AHMED KHAN M RAFIQUE IMRAN BUKHSH IMRAN KHAN ABBASI MALIK AMJAD ALI CH GHULAM QUMAIS SHEIKH HUM AYUN MUHAMMAD NOUMAN M NADIM IQBAL KHAN ABDUL MAJEED ZAFAR MEHMOOD MUHAMMAD IMRAN ABDUL AZEEM KHAN JAMSHEED H GHAS WALA GHULAM MUHAMMAD SAHLIANI RASHID QAMAR RANA RIAZ AHMED MALIK A WAHEED WASEEM RAFIQ MUHAMMAD NAEEM MUHAMMAD AKRAM NASIR JAMIL KHAN AASHIK ALI BHUTTO MOHAMMAD SHARIF SHEIKH M AFZAL BUTT FAYYAZ AHMAD KHAN SOHAIL HAFEEZ S ZULQARNAIN SHAH NASIR IKRAM WALI MOHAMMAD KHAWAR MAQSOOD KHAWAR MAQSOOD MOHAMMAD SHAMS UZ ZAMAN M ASLAM ZAHEER AHMED RAFAQAT ALI Aftab Ahmad Qazi MALIK MUHAMMAD AN WAR AMIR MAJEED RUKHSANA SYD M RIZ WAN MUKHRAR AHMED CH SAJJAD AHMED ABBASI F 371 JAHANGEER RD PATEL PARAKARACHI R 887 BLOCK 19F B AREAKARACHI H # 121WALAYAT HOMESCHAKLALA IIIR AWALPINDI 177 HASEEB BLOCKAZAM GARDEN MU LTAN ROADLAHORE H NO 16, STREET NO 10BLOCK 4-D, NAZIMABAD KARACHI UPPER STO RY BHATTIPROPE RTY CENTREREHMAN SHAHEED RO H NO 242, SECTOR 33/CKORANGI NO 02 26-D-1 GHALIB ROAD GULBERG III 4220109025313 4210199691105 3740503497785 3520230570747 3410151382431 3420103939341 4220126672211 3520207701375 MALIK ALLAH BUX M MUKH TAR ALI NA CH ABDUL AZIZ SHEIKH IMTIAZ AHMED IMAM DIN ILYAS AHMED KHAN M CHANAN DIN SHEIKH MOULA BUKSH HUKAM DAD KHAN ABBASI MALIK GHULAM HUSSAIN NA NA NAWAB DIN MUHAMMAD ASLAM KHAN ABDUL S ATTAR MALIK BASHIR BAHADUR NAJEEB UDDIN ABDUL QYOOM KHAN HORMUZD R GHAS WALLA SHAHNAWAZ KHAN JAMALI SHEHLIN AY QAMAR UDDIN SIDDIQUI NA MALIK ABDUL RASHEED MOHAMMAD RAFIQ MUHAMMAD BASHIR FAQIR MUHAMMAD JAMIL AHMED KHAN NAWAB NAHI BUKSH BHUTTO ABDUL RAHMAN MUHAMMAD HUSSAIN BUTT GHULAM HUSSAIN KHAN NA SHABIR HUUSAIN SHAH MUHAMMAD IKRAM MALIK NA MAQSOOD ALAM MAQSOOD ALAM CH IRSHAD MUHAMMAD NA BASHIR AHMAD RASHID AHMED MUHAMMAD ZAFRAN QAZI MALIK M YAMEEN NA AZHAR QUDOSI NA ABDUL GHA FAR CHAUDH RY ZAFAR IQBAL ABBASI 538,162 727,095 473,808 489,909 489,170 464,093 474,421 449,290 738,833 477,794 484,019 989,108 638,353 353,538 462,000 867,383 599,999 498,542 484,197 448,545 483,246 761,544 416,841 759,838 519,343 499,746 496,266 415,833 13,642 18,444 12,132 101,662 13,407 14,361 70,774 11,433 17,680 25,107 16,385 9,078 11,729 22,564 47,864 148,877 19,458 12,044 19,282 10,731 13,489 15,065 1,471,758 1,068,667 677,657 1,789,922 1,076,702 516,327 816,674 1,154,449 1,954,814 1,954,814 699,061 213,448 220,705 289,573 4,723,959 1,825,954 2,268,808 6,208,783 1,886,907 931,436 2,681,988 2,299,399 5,674,804 5,674,804 2,106,939 1,598,068 327,888 987,402 551,804 745,539 485,940 591,571 502,577 478,454 545,195 460,723 756,513 477,794 484,019 1,014,215 654,738 362,616 473,729 889,947 647,863 498,542 484,197 597,422 483,246 781,002 428,885 779,120 530,074 513,235 511,331 415,833 6,195,717 2,894,621 2,946,465 7,998,705 2,963,609 1,447,763 3,498,662 3,453,848 7,629,618 7,629,618 2,806,000 1,811,516 548,593 1,276,975 10,546,570 1,289,348 9,587,135 3,792,518 2,877,989 4,847,381 1,000,000 801,797 480,354 497,770 494,828 445,239 452,845 449,976 738,217 486,035 483,862 990,000 628,862 484,210 462,000 844,265 575,011 499,000 485,000 395,424 454,587 743,772 417,744 758,329 478,710 479,653 494,353 430,661 4,234,305 1,147,572 2,946,465 2,894,934 991,397 2,059,285 520,921 4,343,138 829,618 7,399,618 1,850,307 648,173 548,593 1,276,975 10,631,532 1,836,073 9,587,136 3,792,518 2,877,989 4,847,381 1,461,914 185,138 152,378 67,926 198,452 69,732 94,622 220,111 86,969 142,609 105,031 106,135 191,348 55,224 93,866 89,392 118,930 146,858 96,510 93,774 177,031 73,386 147,426 90,998 146,471 92,426 93,312 108,432 93,263 1,266,950 1,954,814 954,175 548,280 696,222 564,560 539,861 672,956 536,945 880,826 591,066 589,997 1,181,348 684,086 578,076 551,392 963,195 721,869 595,510 578,774 572,455 527,973 891,198 508,742 904,800 571,136 572,965 602,785 523,924 4,234,305 1,147,572 4,213,415 2,894,934 991,397 2,059,285 520,921 4,343,138 2,784,432 6,570,000 1,954,814 (2,784,432) 1,850,307 220,705 544,968 4,155,204 1,609,175 1,197,248 42,415 617,662 648,173 769,298 1,821,943 10,631,532 1,836,073 13,742,340 5,401,693 4,075,237 4,889,796 2,079,576
F 604 BLK 15RUFI PARADISEGULIS TAN E JOHARKARACHI 4220146141827 H NO 62ST NO 7-CSECTOR F-10/3ISLAMABAD HOUSE # 11,HUSSAINABAD COLONYGAS PLUS FILLING STAT HOSUE NO 731STREET NO 74G/74/4ISLAMABAD 39/CASKARI IIICANT S TATIONKARACHI H.NO.535ST.NO.11G-8/2ISLAMABAD 6110152520181 1730190588483 6110132165955 4230158097873 6110119389817
133P A F COLONYZA FAR SHAHEED ROADCANTTLAHORE 3520198361479 F 44/3BLOCK 4CLIFTONKARACHI HOUSE NO 15GHALIB COLONYNEAR SHAHBAB CHOWKNADEEM S HOUSE # C-52/1BLOCK 13D/1 GULSHAN E IQBALNEAR HAPP H NO A-60/DRIZ WAN SOCIETY SCHEME 33UNIVERSITY ROAD FLAT NO A-2FAJ KOT WALLA BAGH AVARI COLONYBEHIND PH M-4, SEA WORLD AP PARTMENTSSHERREN JINNAH COLONYBLO 15-B BLOCK AS M C H SKARACHI H.NO.F-833/13NEAR HO LY FAMILYRAWALPINDI B/67MAIN ALLAMA SHABBIRUSMANI ROADBLOCK A FAISAL T 21 AST NO 1C AVALARY GROUNDCANTTLAHORE H NO.5-A MUHALLA 3-MOZANG ROADNEAR EHSAN HOSPI TAL H NO 335, ST NO 4LIAQU ATABAD BILLY'S TOWER, AP PARTMENT NO 702-A8TH FLOOR, RASHI F 5 BLOCK 3 K D A SCHEME 5 KEHKESHAN CLIFTON KHI HOUSE NO B 4 SECTOR 11 A NO RTH KHI 27/6 CANAL PARK GULBERG II LHR 352 3 DHA LHR CANTT HOUSE NO 386 ST NO 43 G-9/1 ISL 5-USMAN STREET MODEL TOWN LINK RD LHR H N 268 SEC G 10/4 ISD HOUSE NO 2603 PEER ELAHI BUX COLONY KHI HOUSE NO 9 A BLOCK B GOV T. REVENUE EMPLOYEES CO OP HOUSE NO 9 A BLOCK B GOV T. REVENUE EMPLOYEES CO OP 675 SHADMAN COLONY LHR H NO 41 ST F W BLOCK MADINA TOWN FSD 47 1 Y BLOCK ISLAM HOSPI TAL ROAD PEOPLES COLONY G 241-C FAISAL TOWN LHR HOUSE # 05 STREET # 09 SECTOR G-3 PHASE-2 HAYATABAD FLAT NO 607 DATA APPARTMENT NEAR MUHAMMADI MASJID 101 WEST WIND ES TATE FL-11 CLIFTON BL-2 KEHKASHAN HOUSE NO 90 MAIN DOUBLE RD F-1011 ISL 164- ISLAM BLK AZAM GARDEN MU LTAN RD LHR HOUSE NO 36 ST NO 1 SECTOR 2 AIR PO RT EMPLOYES CO HOUSE NO 6 R AWAL TOWN ISL 4230144954433 3520215969385 4220104078185 4210198302269 4230186373433 4310105260427 4220152010499 3740556064683 3520226988177 3520144268557 3520232761655 4210114847965 4130492042507 51586054326 4210116185515 3520253789251 27344188399 10189425889 3520257228963 6110119773389 4200005103897 3520228734597 3520228734597 3520245661691 3310034355283 28591075091 3520213082545 1730183469503 4230176563139 51765042657 6110121611758 24676467645 3740503847497 6110119729451
84,961 10,461,609 461,947 2,237,777 1,041,856 862,928 42,415 350,112 827,401 7,349,358 2,750,662 2,015,061 4,804,966 1,111,802
1,461,914
74
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342
IRFANA MUM TAZ M UL HASSAN KHAN AFTAB UD DIN IFTIKHAR ALI OSTO MIAN ABDUL HAKEEM JAM SHAIF ALI M NAEEM KHAN KAZIM RAZA ASIF ALI KHAN M ALI M RAMZAN CH ARSHAD MUM TAZ TAHIR FAZIL MOHAMMAD ARIF QURESHI S GHALIB HUSSAIN TAHIR SIDDIQUE IMTIAZ HUSSAIN IRFAN QASIM M SHAKEEL ABID ALI ABID S SABIH AHMED RIAZ HUSSAIN KHAN ASIF ALI SYED AZHAR HUSSAIN SHAHZAD CHOUDHA RY ABDUL GHAFOOR QURESHI MOHAMMAD I LYAS M YAHYA AHMED SYED MUKH TAR HUSSAIN RIZVI AMJADULLAH KHAN MARIAM AF TAB KHURRAM AKH TAR MOHAMMAD J AVAID IQBAL MOHAMMAD IMRAN M ANWAR SAJID MIAN IMRAN AHMED ASIF MANZOOR SYED NASIR IQBAL ASIF J AVED MOHAMMAD TOUFEEQ SYED SHAHID HUSSAIN SHAH SADIQ HUSSAIN SHAH SH M SALEEM RIASAT ALI AMIR MIRZA MAHMOOD AHMED CHAUDH RY M AZEEM S ASHRAF NASEEM
4 A 7/11 NAZIMABAD NO 4 KHI H NO B 4 ST 40 F 7/1 ISD 100/5 WARSI STREET ST JOHN PARK LHR D 901 AL MUS TAF HOME FRERE TOWN CLIFTON KHI HOUSE NO 721 21 ACRE SCHEME SAMNABAD LHR H NO 35 19TH STREET KH AYABAN E MUJAHID DHA PH V KH HOUSE NO 22 BLK A NEW SHALIMAR HOUSING SCHEME LHR ASIF ARCADE 205 28/3 BXJCHS BAHADURABAD KHI 1 B /2 22ND STREET PHASE V DHA KHI P-1546 ALI STREET NO 10 GULIS TAN COLONY NEAR ALLAH HOUSE NO 856 ST NO 20 G-10/1 ISL DEFENCE ROAD OPP USAMA ST NEW LALAZAR HOUSE NO 14M 21 C MUSLIM TOWN LHR HOUSE NO B 1030 S ATELITE TOWN RWP H NO L 19 BLOCK 13 GULSHAN E IQBAL KHI H NO 243 ST NO 4 SECTOR F 10/3 ISD FLAT NO 4 NAJEEB PLAZA 1-9 MARKAZ ISL B 5 HASHOO GARDEN 63 GARDEN EAST KHI HOUSE NO C-164 BLK 6 FB AREA KHI 560 F JOHAR TOWN LHR 162 29 ST KH MUHAFIZ PHASE VI DHA KHI C-256 BLK NO 10 FB AREA KHI HOSUE NO 40 16 ST MOHAMMADI TRADE GARI KH ATAR KHI 55, 57/4 NEW GULGASH AT SADIQIA ROAD ALI DILKUSHA S 3 A/3 26TH STREET PHASE V EXT DHA KHI HOUSE NO 408 1 SHADMAN COLONY LHR HOUSE NO 2 ST NO 1 SAMANABAD LHR 15/3 FLAT NO G 2 ZUBAIDA PLACE C P BERAR COOP H SO 6 B 5TH STREET PHASE 1 DHA KARACHI HOUSE NO C 33/1 1ST FLOOR BLOCK 13 D I GULSHAN E I FLAT NO 5 H NO 112 B MAIN GULBERG ROAD LHR FLATNO 117 MARINA ELE VATIONS BLOCK 2 1ST FLOOR CLI HOUSE NO 3 W Z MADINA TOWN FSD H NO 758 ST NO 3 SECTOR I 10/2 ISL
4210117871052 10161697434 3520198331311 4220138277141 3520223449065 4420144587713 3520125004637 4220126185343 51446051826 3310005905233 6110132079837 3740596021695 3520289188553 3740568583177 4200004503443 21561151739 6110118867297 4220105896503 4200005641851 3520264051305 4230132396201 4210126285095 4200005017231 3630210377937 4230107264845 3520287039835 3520014710161 4220177918277 4230191147845 4220120290939 3520224191578 4230192835189 3310031490563 6110143313749
WARIS ALI GILANI MUHAMMAD YOUSUF KHAN SHEIKH RIAZ UD DIN NA NA NAWAB JAM AN WAR ALI GHULAM NABI L ATE SHEIKH MEHMOOD NOOR MOHAMMAD GULLZAR MUHAMMAD RAJA MOHAMMAD SABIR NA CH. MOHAMMAD FAZIL IFTIKHAR AHMED QURES S SHOUK AT HUSSAIN MUHAMMAD SADDIQUE MIR M SHAFI QASIM ALI SHER ALI MUHAMMAD TAHIR MALIK MUHAMMAD YOUSAF SYED WASI AHMED AHMED HUSSAIN KHAN ASHIQ HUSSAIN SYED ZULFIQAR HUSSAIN HAJI CHANAN DIN RAFIQ AHMAD QURESHI BASHIR AHMED NA SYED ZA FAR HUSSAIN RIZVI NA AFTAB AHMED SHEIKH AKHTER ALI MEMON MUHAMMAD TU FAIL MUHAMMAD YAQOOB M FAZIL MIAN MANZOOR AHMED MANZOOR AHMED SYED MOHAMMAD IQBAL ABDUL HAMEED M KHALID RASHID SYED TAJ MOHAMMAD SHAH NA SH ABDUL HAFEEZ NOOR HASSAN MAHMOOD AHMAD MIRZA MANZOOR HUSSAIN CHAUDARY ABDUL RAHIM NA
1,178,004 2,926,602
3,609,349 7,272,037
4,787,353 10,198,639 11,998,027 4,833,645 5,282,092 23,997,905 4,863,797 3,003,768 11,998,205 1,542,415 1,834,260 3,198,006 16,788,045 6,586,696 8,196,389 1,701,868 1,744,458 2,292,461 1,489,959 2,695,651 6,143,869 2,476,595 9,129,484 6,983,953 11,952,000 8,512,612 1,570,912 534,360 14,809,090 2,093,225 5,963,169 2,499,571 5,026,685 2,656,999 6,600,001 2,999,860 2,199,783 13,994,621 1,996,514 1,259,726 1,198,665 5,998,908 3,498,977 3,394,450 2,963,202 8,398,564 6,799,562 5,299,772
1,750,443 1,750,443 10,198,639 3,280,777 1,996,387 1,345,381 23,997,905 2,057,960 3,003,768 11,998,205 1,542,414 1,834,260 3,198,006 10,705,980 1,451,645 3,889,079 1,701,868 1,744,458 4,199,766 1,489,959 3,221,921 6,143,869 3,547,038 3,761,679 6,983,562 11,952,000 11,981,852 1,570,912 534,361 14,809,090 739,906 5,958,923 2,499,571 5,155,498 1,450,024 5,600,000 1,071,589 2,852,105 13,994,619 1,996,514 745,972 1,198,665 1,979,304 4,234,955 3,394,450 1,159,835 8,398,543 6,799,561 2,036,940 4,284,557 14,483,196 3,280,777 1,996,387 1,345,381 3,911,553 2,704,549 (22,790,901) 2,057,960 1,276,887 3,587,946 (692,709) 12,000,000 4,599,636 (4,597,841) 2,185,376 642,962 746,043 1,326,923 45,008 733,363 2,580,303 4,524,929 10,705,980 1,451,645 3,889,079 1,746,876 2,477,821 1,882,496 487,764 (2,805,034) 2,122,092 632,133 2,324,628 743,259 5,176,101 681,311 226,438 5,670,323 698,812 1,051,575 596,204 3,221,921 8,468,497 3,547,038 3,761,679 7,726,821 17,128,101 11,981,852 2,252,223 760,799 20,479,413 739,906 1,185,581 1,185,581 2,644,410 (906,736) 1,358,326 1,358,326 1,450,024 5,600,000 1,071,589 2,852,105 6,521,156 1,584,459 (9,057,922) 2,832,052 835,538 519,531 1,386,755 745,972 1,718,196 1,979,304 4,234,955 4,781,205 1,159,835 1,324,995 961,705 (8,035,253) 5,622,079 1,471,419 (2,648,901) 2,036,940 -
1,113,531 22,884,374 2,004,044 776,534 3,409,677 489,989 532,967 848,536 2,859,753 2,227,234 8,588,528 1,052,426 1,301,293 2,349,470
1,400,956 15,387,089 1,431,961 413,188 45,008 501,087 24,473 409,251 787,949 1,606,568 910,529 485,103 99,414 2,785,701 3,194,037 393,813 146,503 4,313,586 461,610 198,647 749,756 72,821 451,618 976,125 1,038,442 825,612 193,264 536,882 732,753 300,159 1,375,638 1,283,014 934,782 842,646 119,550 1,854,280 1,370,681 5,154,735 7,783,201 1,656,860 1,243,371 2,267,988 1,080,708 1,907,702 4,537,301 1,566,066 8,644,381 6,884,539 9,166,299 5,318,575 1,177,099 387,857 10,495,504 1,631,615 5,764,522 1,749,815 4,953,864 2,205,381 5,623,876 1,961,418 1,374,171 13,801,357 1,459,632 526,973 898,506 4,623,270 2,215,963 2,459,668 2,120,556 8,279,014 4,945,282 3,929,091
H NO GF 3 BUILDING NO 36 SE AVIEW TOWN SHIP PHASE 4230101134881 5 H 546 NISH TAR BLOCK ALLAMA IQBAL TOWN LHR MANZOOR VILLA STREET NEAR LASANI GARDEN NEW NORH G 81/3 30TH STREET KH AYABAN E SEHAR PHASE 6 DHA KHI 144 B MODEL TOWN GUJRAN WALA 9 NSHTAR BLOCK ALLAMA IQBAL TOWN LHR BUKHARI ST JAHANGEER ABAD DAK KHANA KHAS TEH DISTT HOUSE NO 372 ST NO 59 G 11/2 ISL 3952 A MOHALLAH WALWAT HASSAN PARWANA ROAD MULTAN HOUSE NO 12 MAIN ROAD SAR FARAZ COLONY NEAR ZEESHAN HOUSE NO 821 A FIRDOUS ST MUGHAL ABAD TENCH BAHTIA D 1 UNIVERSAL HEIGHTS FL 7 BLOCK 16 GULIS TAN E JOH 7/33 FAZLIA COLONY FEROZEPUR ROAD ICHRA LHR FLAT NO 502 A 5TH FLOOR RO YAL APPARTMENT KDA 1 SB 3520229108901 3630236220521 4230161746067 3410176027663 3520230667753 3630202014495 6110135622863 3630268187597 3310018686671 3740502485269 4220129829927 3520211292197 4220106627044
www.standardchartered.com.pk
75
Sr. No.
Name
Address
Principal
Principal
Total Balance
343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391
SHEIKH KHALID PE RVAIZ RIZWAN AKRAM JAVAID IQBAL AN WAR M ALI M ALI CH. ARAFATAFZAL KAMRAN JAMILA HASHMI FAYYAZ AHMED KHAN GUL IMRAN KHALID MEHMOOD KHAN m.ramzan rana JAWED IQBAL IMTIAZ AHMAD SYED MAQSOOD HYDER SHAH JABAR MEHMOOD MUGHAL MUHAMMAD N AWAZ GHANZA FAR IQBAL MUHAMMAD YOUNIS RAJA LIAQ AT ALI KHAN MUHAMMAD YAQOOB MALIK SAJJID JAMSHAID SHAHID AKH TAR ALI ASGHAR MUHAMMAD ZAKI MUNEER SYED MUBASHAR ALAM SHAHZAD WASEEM ARSHAD TARANNUM SABEEN NASEER AHMED ANJUM ARA SHAUK AT HAYAT KHYZER H AYAT MUHAMMAD AMIN MUHAMMAD ARIF BUTT AMJAD KHAN IMRAN RIAZ JUNAID YOUNUS MUHAMMAD YAMEEN KHAN RAO MUHAMMAD SHAHID MOHSIN ABDUL RASHEED SHAMA ASIF IFTIKHAR ALI MUHAMMAD AQIL JAVAID ZAHID IQBAL KHALID MEHMOOD SARDAR MOHAMMAD ZAHEER AMJAD IQBAL MUHAMMAD RAFI MUHAMMAD ILYAS
15 B NEW MUSLIM TOWN LHR H NO 1/1 B ST NO 8 BL I AL FAISAL TOWN GHAZI ROAD JAVAID IQBAL AWAN H NO 152 A BLOCK C MARGHZAR COLO FLAT NO 9 3RD FLOOR MOU WALA VIEW PIND 46/3 BLOCK 3 FLAT NO 9 3RD FLOOR MOU WALA VIEW PIND 46/3 BLOCK 3 23-B AGRO BASE FALATES SHADMAN MARKET LAHORE 75716 H NO A-62/2 SHAH FAISAL COLONY KHI NEA R JAMIA MA H NO 63 21 ACRE SCHEME SAMANABAD LHR OPP. MADARSA MINHAJ UL QURAN, KHANE WAL ROAD, STREE 14-A SECTOR B NASIR BAGH ROAD POLICE COLONY KARA 122/II J BLOCK LAHORE H#PD #03/A-5GHOSIA COLONY RAWALPINDI ALI PAPER GHAZI ROAD MILL AT ROAD YASEEN TOWN NEAR HOUSE NO 179 BLOCK C GULBERG COLONY FSD R-402 SECTOR 16-A ,BUFFER ZONE NORTH KARACHI JALIL TOWN NEAR MUGHAL MEHAL CHANDA DA QILA POST O NEAR COCA COLA FACTORY HOUSE NO 13 MUMTAZ ABAD MAI H NO 5 STREET 02 DHOK MEHRAN POST OFFICE MORGAH DIN HOUSE STREET# 1 AMEER PARK D.C ROAD GUJRAN WALL D-472 SATELLITE TOWN RWP HOUSE # 314 ,STREET # 65 ,A-8/3 ,ISLAMABAD . E 109 SAJID JAMSHAID STREET S ATELITE TOWN RWP H NO 17 LANE NO 6 LALA ZAR 1M RWP HOUSE NO. 291/B, S ATELLITE TOWN, R AWALPINDI. H # B-100 ,22ND STREET KHY SEHAR ,DHA PHASE VI KAR
3520269082603 3520133628247 3520237956571 4230179344303 4230179344303 3520298453603 4220102777011 3520228326334 3630266622041 1730179380737 3520273467621 3740503179161 3520103001589 3310032990913 4210196739629 3410163225951 3630299138971 3740504241283 3410131840663 21253137357 6110161988985 3740504756493 3740539284865 3740550578037 4230111016961
SHEIKH MUHAMMAD ASHIQ MUHAMMAD AKRAM KHAN MALIK KHUDA BUKSH NA NA CH. AFZAL ALI SHAFI ULLAH SAIFULAH KHAN SHAHNAWAZ KHAN KHAK WANI DILAWAR KHAN SHIEKH NOOR HUSSAIN GHULAM AHMED KHAN CH ALUD DIND SINDHU ABDUL MAJEED S MASHOOQ HUSSAIN S NA MUHAMMAD H AYYAT RIYS AT KHAN DIN MUHAMMAD NAIM AT KHAN MALIK MOHAMMAD HUSSAIN NA GHULAM MOHAMMAD KHAN EID MUHAMMAD TAMANNA COL MUHAMMAD MUNEER NA NAWAB DIN NA ALI AHMAD NA NUSRAT FAHMEEM ABDUL REHMAN NA NASEER AHMED Hayyat Khan RIAZ AHMED SHEIKH NA MUHAMMAD YASEEN KHAN RAO MUHAMMAD MOHSIN ALI KHAN ABDUL S ATTAR SAMEERA SHAFQ AT IJAZ ALI SANA ULLAH NA MIRAJDIN SARDAR NASEER Muhammad Sharif MOHAMMAD SHAFI HAJI MUHAMMAD BASHIR
2,292,060 827,864 359,460 1,818,887 1,818,887 350,024 42,713 1,954,114 571,246 672,995 826,507 258,376 666,232 158,768 434,197 1,623,553 308,851 35,778 4,504,121 4,697,267 2,614,833 414,328 752,378 670,948 1,810,117 438,537 905,634 3,729,019 343,998 2,125,929 168,016 429,191 1,053,479 2,379,753 2,128,509 2,496,079 1,383,214
6,093,799 1,932,964 1,130,318 2,680,862 2,680,862 1,149,508 429,546 5,840,828 6,227,974 1,024,307 11,770,703 740,641 1,327,160 11,340,482 1,249,093 3,646,406 2,285,642 1,362,677 14,489,951 15,174,637 7,284,335 1,241,611 1,098,534 1,828,450 19,174,030 1,255,708 1,681,387 9,916,475 655,236 2,967,365 2,328,473 6,170,250 2,245,172 6,619,021 4,970,585 7,471,457 4,543,483
8,385,859 2,760,828 1,489,778 4,499,749 4,499,749 1,499,532 472,259 7,794,942 6,799,220 1,697,302 12,597,210 999,017 1,993,392 11,499,250 1,683,290 5,269,959 2,594,493 1,398,455 18,994,072 19,871,904 9,899,168 1,655,939 1,850,912 2,499,398 20,984,147 1,694,245 2,587,021 13,645,494 999,234 5,093,294 2,496,489 6,599,441 3,298,651 8,998,774 7,099,094 9,967,536 5,926,697 13,841,578 4,699,883 12,834,445 19,959,082 1,987,223 9,973,244 4,227,459 3,000,000 10,798,511 4,898,485 5,387,380 1,499,987
8,385,859 2,760,828 1,489,778 4,000,000 4,017,831 1,499,532 472,259 7,794,942 966,447 2,425,168 2,015,941 999,018 2,824,557 11,498,912 1,683,289 4,229,147 2,860,314 1,398,455 18,994,072 19,871,905 9,899,168 1,655,939 2,634,730 1,315,996 5,619,246 584,943 3,662,761 13,645,493 1,408,935 2,806,198 741,082 6,599,440 1,256,873 5,975,563 7,099,093 9,967,536 2,288,050 13,841,578 4,699,883 3,637,064 860,810 2,823,156 9,972,850 1,126,760 755,831 10,798,511 4,898,486 5,387,381 1,499,986
3,546,493
11,932,352 2,448,800 2,113,510 4,000,000 4,017,831 2,149,462 514,972 11,175,637 966,447 2,425,168 2,015,941 1,423,806 2,824,557 2,312,743 1,999,999 4,229,147 2,860,314 1,434,233 22,061,795 22,962,281 14,162,958 2,373,327 2,634,730 1,315,996 5,619,246 584,943 3,662,761 19,308,610 1,408,935 2,806,198 741,082 2,416,278 1,256,873 5,975,563 10,052,263 14,287,811 2,288,050 14,094,272 4,121,328 3,637,064 860,810 2,823,156 4,635,782 1,126,760 755,831 12,369,145 6,968,022 1,790,840 1,752,271
121/A PIA EMPLOYES CO OPER ATIVE HOUSING SOCIETY 3520288528393 LH NVI 60 5 6 AL MADAD PAK COLONY TIMBER MARKET LHR HOUSE NO 162 29TH ST PHASE 4 DHA KHI 3520290395603 4230127748724
H # 19-5 ,MUGHAL ST # 1 ,BAHAR SHAH ROAD ,D-BLOCK 3520115124221 H # 295 ,BLOCK -D ,PHASE 1 ,DHA LAHORE . FLAT # 203 ,2ND FLOOR ,SAIEMA HE AVEN BLOCK 4 ,GULS HOUSE # 651 ,BLOCK -W PHASE -III ,DHA LAHORE . HOUSE # 4 ,R AVI PARK ,QILA LAQSHMAN SINGH R AVI ROAD H # 130, BLOCK -G ,JOHAR TOWN LAHORE . 26/9 WARIS ROAD LAHORE OLD NATIONAL SCHOOL FOR THE DEAF, SATELLITE TOWN G 50-G/2, P.E.C.H SOCIETY KARACHI . HOUSE NO 87/2 DIG HOUSE OFF SHAHRA-E-IRAN CLIFTON HOUSE NO.P-140, STREET NO. 3, CHANDANI STREET, AL HOUSE # 258 DOHS-I GUJRANWALA CANTT House No.4 G reen Fort No.1 Raiwind Road, Lahore. R-45 SECTOR-11-B NO RTH KARACHI NEAR TELEPHONE EXCH H# 88-D Block#B PCSIR Phase 1 Laho re House # 211-B, Satellite Town Gujranwala House # 46-A St reet No 1 Chowk Makki Data Naga r, L (Old) House # 25, St reet # 4, Chaklala Scheme III, Roma Show room 1.5km Bypass Sialkot Road Gujranwal Plot No.2,Flat No. 01 2nd Floor Shalizar Plaza M House # 721 N Block Samnabad, Laho re. 3650201785926 4220193928205 3520108576323 3520242410111 3520240408347 3520204375181 3410105254053 4220104593615 4230189167333 3310090189803 3410120636961 3520225497894 4210113849785 3520226701353 3410178375549 3520227803605 3740594989917 3410194724701 3520257096009 3520226364085
252,694 13,588,884 1,570,926 1,175,366 1,331,420 705,266 132,232 199,303 956,379 2,242,065 1,266,896 180,071 375,231 3,128,957 11,659,079 18,627,662 1,281,957 9,841,012 4,028,156 2,043,621 8,556,446 3,631,589 5,207,309 1,124,756
1,978,052 (2,556,607) -
1,088,973 (6,426,041) -
76
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441
MALIK MUHAMMAD ASIF QAISER ABBAS BUKHARI AZHAR MASOOD JAVED IQBAL GOHAR JAVED IQBAL GOHAR MIAN HAMID RAFIQUE SAEED AHMED RASHID KHAN MALIK MUZAFAR IQBAL BARA IMRAN SHAHEEN SHEIKH ABDUL QUDDUS MUHAMMAD I LYAS Syed Naseem Hussain Jaf ree KHALID MAHMOOD KHALID MAHMOOD JAVAID ALI M SALEEM CH NAJAB AT HUSSAIN CH NAJAB AT HUSSAIN AZHAR HUSSAIN MUHAMMAD SOHAIL MASOOD AHMED ZAFAR MASOOD ABDUL RASHEED A LVI HAMID RASOOL KHAN ASIF ALI MUHAMMAD MUBEEN JAMIL MOHAMMAD TAHIR NADEEM PERVAIZ ALI KHAN SAMI UZ ZAMAN TAZEEM KAUSAR ZAHEER UD DIN BABAR TAHIR N AWAZ MUNIR AHMED MUHAMMAD SADIQ MUHAMMAD TASNIM MUHAMMAD ISMAIL BH ATTI SHAN KHAN ALTAF HUSSAIN SALEEMI MANSSOR UL HAQ MUHAMMAD ALI CHAUD RY RIASAT ALI MUHAMMAD NASEEM CH. MUHAMMAD NAEEM SAFDAR WARRAICH REHMAN WE AVING MUHAMMAD KAHALID SHAHBAZ MUHAMMAD SIDDIQUE LIAQAT ALI WE AV RANA JAVED IQBAL
FLAT NO-121 PLOT NO-FL-10 MARINE DRIVE BLOCK-2 CLI 39 D Gulbe rg 2 Lahore HOUSE NO.384 NIZAM BLOCK, ALLAMA IQBAL TOWN LAHORE 15 Nishtar Block Allama Iqbal town Lahore 15 Nishtar Block Allama Iqbal town Lahore F 3/4 A Afghani Road Samanabad Lahore HOUSE NO. 62/I BLOCK - A PHASE - 1 D.H.A. LAHORE. HOUSE NO: 22,23,24 GULSHAN-E-ZAHOOR SECTOR 2/A JAC BARA TRADER & M.M. EMBROIDE RY OFFICE NO. 1 NIR ADI HOUSE NO. 14 - A/7 ILIM DIN STREET KOMBOH COLONY C H. NO. 57, STREET # 39, SECTOR F-10/4, ISLAMABAD.
4230151483593 3520213824787 NA 3520230199895 3520230199895 3520229594533 3520197219239 4230188439713 3520207399703 3520270258243 6110121110081
MALIK MUHAMMAD USMAN GHULAM ABBAS BUK NA CHAUDH RY SHABU DIN CHAUDH RY SHABU DIN MIAN M RAFIQUE NA ARSHAD KHAN MALIK NAZOOR AHMED MALIK SHAHEEN ASIF SHEIKH ABDUL RAUF MIAN MUHAMMAD IBRAHIM NA MUHAMMED MOBIN SIDDIQUI MUHAMMED MOBIN SIDDIQUI Malik Muhammad Sharafat ALLAH BAKSH NA NA NA NA NA SHER MUHAMMAD AL HAJJ FAIZ AHMED MUHAMMAD RAFIQ KHAN SHEIKH RUS TAM ALI MUHAMMAD ASIF M SADDIQUE NA SHER ALI KHAN CH MAHMOOD NA NASEER UDDIN CH RAB N AWAZ CH NAZIR AHMED CHUHAD RY MUHAMMAD SHARIF HAJI GHULAM NABI NA SULTAN HASSAN KHAN NA NA NA NOOR HASSAN ALI MUHAMMAD
35,642 762,674 211,522 221,018 221,018 543,733 912,892 757,952 501,056 103,830 5,146,063 63,253 805,393 4,926,808 4,926,808 1,685,377 396,417 847,083 847,083 116,475 2,936,740 103,459 191,819 1,160,013 3,750,024 1,389,413 367,419 45,078 769,355 398,935 831,770 4,011,177
2,802,696 7,237,307 1,887,368 2,048,162 2,048,162 1,347,758 17,475,506 2,435,613 14,489,527 1,572,283 14,641,818 4,380,390 9,190,602 5,343,192 5,343,192 3,010,593 1,301,848 1,692,594 1,692,594 8,079,049 9,159,348 7,081,554 13,698,155 3,479,623 10,749,865 6,809,497 10,624,975 2,249,278 4,320,373 7,514,700 1,765,868 2,949,973
2,838,338 7,999,981 2,098,890 2,269,180 2,269,180 1,891,491 18,388,398 3,193,565 14,990,583 1,676,113 19,787,881 4,443,643 9,995,995 10,270,000 10,270,000 4,695,970 1,698,265 2,539,677 2,539,677 8,195,524 12,096,088 7,185,013 13,889,974 4,639,636 14,499,889 8,198,910 10,992,394 2,294,356 5,089,728 7,913,635 2,597,638 6,961,150 19,996,327 8,133,032 2,316,687 2,976,077 3,322,825 9,666,645 4,269,223 3,050,000 6,597,537 6,008,745 3,879,110 7,240,248 2,603,967 13,994,851 11,428,960 4,436,838 8,145,928 29,729,065
3,748,519 3,054,725 709,794 551,759 563,113 1,891,491 8,000,022 3,193,564 14,990,583 1,676,112 19,787,881 4,443,432 2,259,279 2,067,101 1,934,782 4,000,000 1,698,265 379,676 2,439,676 8,203,463 4,724,212 5,420,487 13,889,611 4,639,635 14,499,890 8,198,910 3,445,152 2,294,356 933,584 1,505,789 3,214,826 7,181,773 19,996,327 8,133,032 2,316,687 2,975,940 3,191,934 1,383,187 1,365,955 1,236,052 2,654,668 3,518,222 3,879,110 7,239,311 3,649,513 19,325,855 11,428,960 3,217,781 3,815,708 33,084,312
1,850,122 3,054,725 709,794 551,759 563,113 2,687,078 8,000,022 3,705,469 1,490,103 774,323 23,293,440 682,313 2,259,279 2,067,101 1,934,782 4,000,000 2,434,335 1,438,779 2,060,000 792,784 4,724,212 5,420,487 4,175,700 2,714,092 11,096,156 9,588,323 3,445,152 639,519 933,584 1,505,789 3,214,826 7,181,773 5,676,000 8,617,320 1,453,920 805,874 1,228,697 1,383,187 1,365,955 1,236,052 2,654,668 3,518,222 4,231,080 2,049,315 3,649,513 19,325,855 15,748,300 3,217,781 3,815,708 33,084,312
1,693,454 (15,193,934) 190,716 (1,092,505) 7,444,710 (3,939,151) 521,038 (4,282,157) 736,070 1,059,103 -
MADNI CENTER 3RD FLOOR MAIN AWAN TOWN LAHORE 3520256960197 78218 HOUSE NO. 1067 AMEER PURA GREEN ACERS FARM RAIWIND 3520014628003
HNO 119-B KH-E- SHEHAR PHASE VI PAKISTAN DEFENCE 4230108566689 O HNO 119-B KH-E- SHEHAR PHASE VI PAKISTAN DEFENCE 4230108566689 O HOUSE NO. 76-77 BABAR STREET NATIONAL PARK SANDA R H 95 ST 17 A CHAKLALA SCHEME 3 RWP 103 A ST NO 6 CHAKLALA 3 RWP 103 A ST NO 6 CHAKLALA 3 RWP 229- MUSLIM TOWN NO 1 SARGODHA RD FSD HOUSE# C-103 BLOCK-04 GULSHAN-E-IQBAL H # 1450, ST # 33 G-11/2 196-C, SHAH JAMAL COLONY, 696-MAIN BAGRIAN ROAD, GREEN TOWN LH # 10A ST # 2A PRAHIM NAGAR RI WAZ GARDEN HOUSE# 402-A SHADMAN 1 H NO 104, BLOCK H PHASE 4, DHA H # 3, ST 3 12 SHALIM STREE T, SAHAR ROAD SUBLIME EXCLUSIVE LADIES WEAR COMITTE ST. MUHALLA 538 SHEET# 2 UPPER GIZRI HOUSE # 8,GANJ BAKHS ROAD BHAI BHAI STREET,ICHHRA HOUSE # 457-CC, PHASE-I V, DHA, D-1837 INSIDE SHAHALAM NEAR FAWARA CHOWK H # 15,ST # 48 ISLAMABAD COLONY REHMANI ST # 390/16, 390/15 N R HAFIZ BUILDING 3520259491553 3740523874491 3740503933467 3740503933467 3310007968663 4220154308785 6110117836189 3520235288157 3520230050089 3520202785027 3520271459093 3520121045887 3520154698015 3410170493023 4230158033755 3520227057519 3520121915388 3520233915253 3520236975609 3520108067075
266,518 (1,921,355) -
5,725,289 14,271,038 2,453,843 718,340 42,363 46,999 963,109 405,876 304,837 2,259,960 2,119,478 1,002,143 103,063 1,105,835 4,288,866 3,299,188 1,350,039 614,628 5,679,189 1,598,347 2,933,714 3,275,826 8,703,536 3,863,347 2,745,163 4,337,577 3,889,267 2,876,967 7,137,185 1,498,132 9,705,985 8,129,772 3,086,799 7,531,300
8,387,814 (22,708,141) 3,398,612 (2,914,324) 948,104 (1,810,871) 345,699 (2,515,765) 374,291 (2,337,528) -
STREET# 20 HOUSE# 2 MOHALLAH EMPRESS PARK BIBI 3520206393495 PAK HOUSE NO.133-S BLOCK MODEL TOWN P-111, AL AZIZ STREET FACTORY AREA H# 14 STREET# 1 HE AVEN HAB TAT CANNAL ROAD KEHKASHAN ST # 10, NEAR BASHISH T-E-ZAHRA 227-B PEOPLES COLONY H # 1227/8-B MUHALLAH SHAFI PURA P-12 SARFARAZ COLONY NIAN ROAD 436/24 ST # 5 ANAR COLONY P.O LADHE WALA LADHE WALA WARRAICH HOUSE NO. 1241/D, RAB SHAH CHOWK GHULAM MUHAMMAD HOUSE NO P-60 STREET NO1 SAR FARAZ COLONY PEOPLES C 454-FC,ST # 01 MASHALLA MANZIL , ANSAR COLONY CHAK # 67J.B;SIDHAR, JHANG ROAD, FAISALABAD NOOR SHAH ROAD SAHIWAL. 3520222031899 3310042449205 3310075010961 3630251390683 3520216024325 3630299684315 3310018686671 3630299169443 3410151926461 3310043972289 3310070043423 3630254092823 3310009622967 3650247699753
3,355,246 26,373,819
www.standardchartered.com.pk
77
Sr. No.
Name
Address
Principal
Principal
Total Balance
442 443 444 445 446 447 448 449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491
MUHMMAD ASHRAF BUTT RANA MUHAMMAD SALEEM AKHTAR MUHMMAD SHHABIR AFZAAL AHMED AFZAL MUNEER HUSSAIN MIRZA AHMED TARIQ BAIG ZAFAR ABBAS SHEIKH MUHMMAD ASLAM ALLAH YAR MUHMMAD J AWED CH.TALIB HUSSAIN JAVID IQBAL MALIK GHULAM YASEEN M.MUHAMMAD IBRAHIM MIAN NASEER AHMED GHULAM RASOOL SABIR MUHAMMAD TASLEEM KHAN MUHAMMAD TASLEEM KHAN MAHER FALAK SHER ABUDL KHALIQ ZAHOOR AHMED MOHAMMAD YASIN MUHAMMAD TARIQ CH. MUSH TAQ AHMED AMIR BILAL MUHAMMAD IJAZ KHALID AZIZ DILSHAD AHMED SHARIQ AN WAR HUSNAIN AHMED SAEED AKH TAR SHOAIB AFROZE MOHAMMAD YASIN ARSHADI NAVEED IQBAL KHIZER H AYAT TARIQ SALEEM REHMAT ALI MUHAMMAD HAZZAQ NAYA SAVERA MATTITAL ZARI CENTRE MUHMMAD J AVAID ASHRAF ALI AYUB DURRANI MUHAMMAD SULMAN MUHAMMAD SHAHBAZ MUHAMMAD ASHIQ MUHAMMAD JAVED JALAL SHAHZAD ALI MEHRUNISA SAIMA MAZARI SHEIKH MUHAMMAD KHALID RAFI
ZAKA NOUMAN AND CO, GHALLA MANDI SHEIKHUPURA NAYA SAWARA SHOP # 11 GREEN MARKET VEHARI HASSAN MARKET TEHSIL BAZAR HASIL PUR
MUHMMAD ASLAM BUTT HAJI RANA MUHAMMAD ALI KHAN HAHI DIN MUHMMAD GHULAM ALI BASHIR AHMED MIRZA N AWAB BAIG GHUZAN FAR ALI SHAH NAZIR AHMED FAZAL YAR MUH FAIZ MUHAMMAD NA HAJI ALLAH WASAYA FAZAL DEEN NA CH UMER DIN NA NA NA NA NA NA MOHAMMAD HANIF CHAUD RY MAKHAN NA NA NA NA NA HAJI AHMED YAR KHAN NA NA NA NA NA MUHAMMAD SHARIF MISKEEN ALI REHMAT ULLAH SULTAN AHMED FIDA HUSSAIN HURAJ CHOTOO KHAN NA
949,366
1,199,887 658,732 224,491 4,671,037 165,037 1,612,106 835,235 523,460 573,176 773,175 1,213,226 257,678 268,615 1,591,208 584,975 564,498 642,462 642,462 989,018 200,049 62,361 266,045 130,206 12,455 1,156,570 366,045 1,850,086 339,785 611,795 400,085 3,074,724 230,542 357,990 625,393 312,785 341,910 740,703 594,536 292,545 132,070 146,263 2,944,015 209,293 1,375,948 320,360 499,337 157,873 765,205 1,155,848
14,702,756 1,937,658 802,717 13,626,918 614,397 3,365,836 1,836,707 1,567,454 2,522,836 3,716,179 3,674,832 741,583 915,352 3,591,775 2,199,532 7,231,902 2,035,455 2,035,455 2,331,885 481,951 2,010,669 18,998,773 2,064,784 862,094 4,023,516 1,209,003 3,708,515 999,400 18,085,042 817,334 6,281,978 678,139 841,242 1,114,503 625,133 934,478 2,156,866 7,285,122 823,637 7,867,679 834,860 -
15,902,643 2,596,390 1,027,208 18,297,955 779,434 4,977,942 2,671,942 2,090,914 3,096,012 4,489,354 4,888,058 999,261 1,183,967 5,182,983 2,784,507 7,796,400 2,677,917 2,677,917 3,320,903 682,000 2,073,030 19,264,818 2,194,990 874,549 5,180,086 1,575,048 5,558,601 1,339,185 18,696,837 1,217,419 9,356,702 908,681 1,199,232 1,739,896 937,918 1,276,388 2,897,569 7,879,658 1,116,182 7,999,749 981,123 949,366 17,883,263 3,252,998 8,013,363 2,567,946 3,103,435 2,436,812 5,846,893 5,957,377
12,531,135 2,596,390 686,098 18,297,956 779,434 6,884,633 3,701,034 1,040,914 632,269 1,512,621 4,888,058 999,261 883,967 5,908,756 2,784,507 1,074,856 1,002,990 2,677,917 3,320,904 682,000 700,869 19,264,810 1,048,602 874,003 5,180,087 1,575,048 7,474,782 1,339,185 6,281,983 1,531,746 12,542,681 908,681 1,077,429 2,388,193 731,000 1,276,389 2,897,569 552,442 648,591 1,909,670 981,123 658,606 11,804,519 531,291 3,776,894 2,828,706 1,147,658 509,098 6,154,851 1,220,419
969,872 -
(504,370) -
12,531,135 3,061,892 686,098 2,976,000 1,072,853 6,884,633 3,701,034 1,892,174 632,269 1,512,621 6,759,364 1,189,445 1,081,974 5,908,756 3,204,461 1,074,856 1,002,990 3,694,862 4,606,347 765,000 700,869 9,262,558 1,048,602 580,705 7,189,881 2,153,142 7,474,782 1,593,590 6,281,983 1,531,746 12,542,681 1,083,977 1,347,467 2,388,193 731,000 1,530,000 3,985,504 552,442 648,591 1,909,670 1,303,988 658,606 11,804,519 531,291 3,776,894 2,828,706 1,147,658 509,098 6,154,851 1,220,419
GHALLA MANDI, PATTOKI.DIST T.KASUR. PH.0494-420843 3510313695213 7/8 JAMIA MASJID GHALLA MANDI VEHARI QAUID-E-AZAM ROAD KEHROR PACCA GREEN HOUSE, LAHORE ROAD TEHSIL CHINNIOT 4-B GHALLA MANDI VEHARI 067-3364371 MEHAR AGRO SE RVESES, CHOWK ALLAH WARAY WALA, MAIL KHAWAR AGRO SE RVICE THANA ROAD MITTRO MAILSI DIST JAWAD BROTHERS GRAIN MARKET JAHANIA COLONY CORPOR ATION MAIN BAZAR HASILPUR FAISAL AGRI CENTRE SHUJABAD ROAD ADDA LAR TEH MUL DISPOSAL ROAD SHARQPUR 3660314659355 3620204685005 3320149541009 3660314642385 3620209257431 3660247916155 3610102728415 3120362119655 3630231459695 3520282497755
6,089,124 (21,411,080) 293,419 745,498 1,871,306 377,425 445,225 1,086,187 1,016,945 1,285,443 260,925 105,762 (187,241) (247,218) (666,233) (177,925) -
NASEER ENTERPRISES GULZAR CENTRE OP P. GENERAL 3630204469975 BUS KISSAN HERI YALI CENTRE DUN YA PUR ROAD BASTI MALOO 8-B,MASJID MARKET GRAIN MARKET VEHARI 8-B,MASJID MARKET GRAIN MARKET VEHARI MAHER & CO , RAI LWAY ROAD SUJAHBAD DISTT MULTAN OLD LUDDEN ROAD KARAMPUR TEHSIL MAILSI DISTT VEHA Z.A. TRADING COM PANY, KHARAL MARKET BY PASS ROAD, GHALLA MANDI, SHEIKHUPURA QARTABA AGRO SE RVICES, RAI LWAY ROAD SHUJABAD AREA MANGA QILA NEW MANGA MANDI PIND POST OFFICE 51-B GRAIN MARKET VEHARI OFF/0673365246 NAZEER CORPOR ATION QUAID-E-AZAM ROAD KEHROR PACCA MAIN BAZAR HASILPUR OFF/0622441141 FADDAH CHOWK MAILSI RES/0673751490 GHALLA MANDI RAHIM YAR KHAN 47-B GREEN MARKET VEHARI OFF/0673363898 90-B IQBAL ROAD VEHARI OFF/0673366373 SHARWANI TRADERS ALLAMA IQBAL MARKET MAILSI CHAUDHA RY TRADERS CHOWK DOKO TA TEH MAILSI DISTT V MAIN BAZAR HASILPUR OFF/0622448382 KHARAL ZARI CORPOR ATION LUDDEN ROAD KARAM PUR TEH 39/B GRAIN MARKET VEHARI OFF/0673363060 PHOOL ZARI CORPOR ATION, SABZI MANDI , GT ROAD, KA REHMAT TRADERS ADDA VANJARI NAYA SAVERA NEAR CHUNGI NO.14 BAH AWAL PUR ROAD MU KAHKASHAN ST # 5, NEAR SHOUK AT HOMES, PIPPLI ROAD, ADDA MIAN PAKHI HOUSE L-27, SECTOR 5A-3, NO RTH KARACHI, KARACHI. CALPAK TECHNOLOGIES/COMPUTER MALL 1-3/A 100HABIB H NO 580-J MUHAMMAD ALI JOHER TOWN LAHORE. 5321116 38/12 ICHRA ROAD NEAR USMAN BAZAR LAHORE HOUSE 8 STREET 2 PIR MAKKY R AVI ROAD LAHORE H.NO 1, ST 2, M ATARANI ICHRA LAHORE. HOUSE 1/2 STREET NO 39 GLANI STREET RASOOL PUR 138 EDEN EVENUE DEFENCE ROAD CANTT LAHORE. 5728274 H. NO. P-316 HAMZA CHOWK, KH AYABAN COLONY 2, FAISA 3630378732345 3660359057017 3660359057017 3630448638865 3660290596387 3130312187389 3540439244305 3630443481431 3520204175857 3660314637477 3620209175297 3120317179613 3660274889425 3130323801059 3660357630447 3660314612469 3660210484073 3660250071303 3120316965971 3660332102349 3660348544267 3410271181245 3610404985593 3630202714445 3630284801395 3660363635299 50289523363 6110137894129 3520242418733 3520227304163 3520225248109 3520228089809 3520225435907 27056544802 3310041294925
2,033,097 (12,035,349) 83,628 2,009,794 578,094 500,267 339,435 465,742 494,867 1,087,935 322,865 (376,926) (245,862) (164,139) (195,704) (241,256) -
MOHAMMAD ASLAM KHAN DURRANI 14,939,248 NA SIRAJ DIN CH M BO TA CH JALAL UD DIN ZULFIQAR ALI NA SHEIKH MUHAMMAD RAFI 3,043,705 6,637,415 2,247,586 2,604,098 2,278,939 5,081,688 4,801,529
78
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 515 516 517 518 519 520 521 522 523 524 525 526 527 528 529 530 531 532 533 534 535 536 537 538 539 540 541
SHEIKH MUHAMMAD KHALID RAFI NAEEM RASHID MIAN SHAHBAZ MOHY UD DIN KARIM KHAN SHEIKH MOHAMMAD IR FAN EJAZ KHALID DR.SHAHIDA YAHYA JAN AMIR MAJEED SYED RAFIA KHALID JAVAID MALIK MUHAMMAD AFTAB SALEEM MIRZA M AKBER BAIG RIAZ AHMED FAHAD ALI KHAN QAISER L ATIF SAEED AHMED BABAR MAHBOOB MUHAMMAD AFZAAL TAHIR AJAZ HASSAN TAHIR AJAZ HASSAN SYED SHAKIR HUSSAIN RIZVI ARSHAD MAHMOOD M.SHAHBAZ HAMID MEHMOOD MIR NAMRA SHAHID MAQSOOD MOHAMMAD N AVEED TAUSEEF RAZA TAUSEEF RAZA MOHAMMAD ASIF MUSH TAQ SALEEM ANEES AHMED GHULAM QADIR ASIF MALIK AZAM ALI TOOR TAHIR ALI CH.TANVEER AHMED MUHAMMAD AZHAR ALI SHEIKH MUHAMMAD NASARULLAH SHAHID ABBAS AIJAZ ALI HAFIZ MOHAMMAD ISHAQ FEROZUDDIN GHOURI & OR FAYSAL NIAZ KARIM IBRAHIM PARDHAN DODA KHAN BHUTTO DODA KHAN BHUTTO MUSH TAQ AHMED NAUSHAD JAMIL USMAN JAVED IQBAL KHAN MOHAMMAD SALEEM MUHAMMAD FAROOQ
H. NO. P-316 HAMZA CHOWK, KH AYABAN COLONY 2, FAISA HOUSE NO 8, IR FAN STREET SANDAN KALAN LAHORE. H.NO 14 A Q BLOCK GULBERG II LAHORE 03008452993/57 ADENWALA HEIGHTS PAINT HOUSE FL 701, 7TH FLOOR G 154-A MIRAJ STREET HABIB ULLAH ROAD LAHORE. 631583 FLAT 306 3RD FLOOR WONDER TOWER BLOCK-B OPP SI
SHEIKH MUHAMMAD RAFI NA MIAN GHULAM MOHIUDDIN JAFFER ALI KARIM SAC HAJI MUHAMMAD SHARIF ALI ZAKI NA NA KHALID PE RVAIZ MUHAMMAD ASLAM MALIK CH MOHAMMAD ZESHAN QAYYUM ASLAM MIRZA MEHBOOB BAIG CHANAN DIN MOHAMMAD YOUNUS KHAN CH MUHAMMAD L ATIF NA MEHBOOB ILAHI WALI MOHAMMAD AIJAZ HASSAN AIJAZ HASSAN S SHOKAT NA SIRAJ DIN GHULAM MOHY UD DIN S SHAHID MAQSOOD MUHAMMAD NASEEM MUHAMMAD L ATIF MUHAMMAD L ATIF MUSH TAQ AHMED ANIS AHMED MUNEER AHMED MOUGHAL CHARAGH UD DIN MALIK AZAM ALI TOOR NA BASHEER AHMED SHAD MUHAMMAD ASLAM ALI NA NA GHULAM MUS TAFA MUHAMMAD RAFI NA IBRAHIM PARDHAN RIZWAN AHMED RIZWAN AHMED QAMARUDDIN MOHAMMAD USMAN IQBAL AHMED KHAN AYUB NA
4,801,529 1,570,551 1,457,070 1,225,148 2,652,288 2,865,779 2,165,735 7,126,585 2,266,929 1,498,876 4,157,894 8,381,292 3,613,363 1,240,722 18,011,550 5,810,199 4,430,757 1,378,029 2,549,940 5,225,402 5,225,402 3,792,144 711,224 5,639,000 8,797,222 26,141,606 5,770,844 4,911,280 4,911,280 678,231 3,172,474 5,791,774 3,727,703 9,870,828 9,553,453 2,669,874 1,465,649 12,188,723 5,730,377 2,189,824 3,050,031 709,681 11,942,239 11,231,629 11,231,629 1,654,382 5,008,785 18,053,116 7,388,801 2,737,667
1,155,848 234,509 146,195 210,305 529,526 420,942 1,199,121 265,613 324,765 1,036,846 1,482,926 675,948 235,861 1,071,465 296,123 615,139 1,144,540 1,144,540 807,090 151,940 1,212,399 3,480,176 4,557,862 730,908 1,120,209 1,120,209 100,964 21,601 1,303,509 550,505 2,356,294 1,696,607 537,063 293,400 4,233,516 1,381,100 243,611 451,833 2,301 1,605,097 3,118,129 3,118,129 429,813 1,189,496 142,483 205,394 158,844
(23,295) -
5,957,377 1,805,060 1,457,070 1,371,343 2,862,593 3,395,305 2,586,677 8,325,706 2,532,542 1,823,641 5,194,740 9,864,218 4,289,311 1,476,583 17,988,255 6,881,664 4,430,757 1,674,152 3,165,079 6,369,942 6,369,942 4,599,234 863,164 6,851,399 12,277,398 30,699,468 6,501,752 6,031,489 6,031,489 779,195 3,194,075 7,095,283 4,278,208 12,227,122 11,250,060 3,206,937 1,759,049 16,422,239 7,111,477 2,433,435 3,501,864 711,982 13,547,336 14,349,758 14,349,758 2,084,195 6,198,281 18,195,599 7,594,195 2,896,511
2,458,063 522,871 729,132 821,429 3,113,076 2,218,024 960,697 8,287,730 926,006 1,108,369 3,194,744 5,460,009 2,796,580 930,462 1,362,651 1,762,614 961,841 1,071,213 842,573 3,463,210 3,159,815 2,570,166 540,244 3,834,662 7,012,913 16,982,011 5,529,505 3,318,165 500,000 873,030 576,735 2,446,924 3,655,000 6,681,928 11,040,000 1,733,057 1,719,667 10,976,540 2,171,124 1,474,131 1,048,604 584,018 2,803,349 9,713,317 7,648,182 1,323,698 6,671,710 7,489,744 756,795 712,600
2,458,063 522,871 729,132 821,429 3,113,076 2,218,024 960,697 8,287,730 926,006 1,108,369 3,194,744 5,460,009 2,796,580 930,462 1,362,651 1,762,614 961,841 1,071,213 842,573 3,463,210 3,159,815 2,570,166 540,244 3,834,662 7,012,913 16,982,011 5,529,505 3,318,165 500,000 873,030 576,735 2,446,924 3,655,000 6,681,928 11,040,000 1,733,057 1,719,667 10,976,540 2,171,124 1,474,131 1,048,604 584,018 2,803,349 9,713,317 7,648,182 1,323,698 6,671,710 7,489,744 756,795 712,600
H.NO 186 STREE T-6 SECTOR L-1 PHASE-III H AYATABAD P 1730156067502 FLAT 10, 101 WEST WIND ES TATES FL-11, CLIFTON, K HOUSE AS-17 ROW III BLOCK-A KDA SCHEME 33 GULZAR-E HOUSE NO 792 BLOCK-Z, PAHSE III, DHA LAHORE. 574 H.NO 5 STREET 1 JUSTICE SHAREEF SCHEME SAMNABAD H.NO NA 470/471 , 7TH ROAD NEW MALPUR RAWALPINDI. H.NO D 1 , REHMAN VILLAS SHAH KH AWAR TOWN, LAHORE GALI 16 2 D , QADRI STREET J AVED MARKET MOHAMMA H.NO 55/1 B 5 21ST STREET OFF KHY E MUJAHID PHAS H NO 35/5 STREET 1 CROWN PARK BAGH BAN PURA LAHOR HOUSE NO. 61 B, STREET NO.156, CHOWK BABA AZAM, IC HOUSE 8 UNION PARK SAMANABAD LAHORE 03004815489/7 HOUSE NO. 25 STREET NO. 43 PAK COLONY TIMBER MARKE H 165/L-3 BLOCK-3 PECHS NEAR FAIZE I AAM HOSPITAL H 165/L-3 BLOCK-3 PECHS NEAR FAIZE I AAM HOSPITAL H.NO.A-144 BLOCK-I NO RTH NAZIMABAD NEAR FIVE STAR UBL ZA FARWAL DISTRICT NARO WAL AND FAMILY AT ADDRE 38/12 ISHRA ROAD USMAN BAZAR ISHRA LAHORE 0300944 4230168315725 4220137742282 3520015155799 3520229969331 3740552254987 3520153616805 3520162080905 4230129904893 3520158889997 3520229029401 3520268371563 3440216207933 4220116086365 4220116086365 4210156334385 3410185989983 3520227304163
H 199, D-BLOCK EME HOUSING SOCIETY MU LTAN ROAD, 3520111333915 LA 57/4, KHAYABAN E BOKHA RY PHASE VI DHA KARACHI NEAR DEFENCE VIEW 2 BUNGLOWS K/9 PLOT 27/9 DEH DHI HOUSE NO. 5/2 HAIDER STREET SHAM NAGAR CHOUBURJI L HOUSE NO. 5/2 HAIDER STREET SHAM NAGAR CHOUBURJI L H.NO 07 ST 03 MUS TAFA PARK SHAHLIMAR LINK ROAD, LA HOUSE 60 SHAR FABAD STREET NO. 4 BLOCK-3 BAHADURA FLAT A-105 1ST FLOOR HAMI LTON COU RT BLOCK-7 CLIFTO HOUSE A-28 SECTOR-V SUB SECTOR-II GULSHAN-EMAYMAR HOUSE NO. 206 NASH TAR BLOCK ALLAMA IQBAL TOWN LAHO HOUSE NO. 10 ZUBAIDA PARK MU LTAN RD LAHORE. 755278 H.NO 285 B MODEL TOWN GUJRAN WALA 03008641007/3257 48/2, BANK COLONY INDAR NAGAR BAS TAMI ROAD SAMANAB PRIME BEACH VIEW ARCADE FL AT 501 5TH FLOOR BLOCK HOUSE 338 NARGIS BLOCK ALLAMA IQBAL TOWN LAHORE. 4230118142030 4220105527847 3520258428177 3520258428177 3520116047039 4220144305065 4520898455391 4210117505007 3520281009105 3520270700129 3410124823339 3520263107309 3520154122303 3520260662785
BUNGLOW NO C 331 PRIME VILLAS GULIS TAN E SAJJAD 4120148558749 H H.NO 25 STREET 5 MOHALLAH MURADPURA HOSPI TAL RO GHOURI PLOT B 112 BLOCK 10 A, SCHEME 24, GULSH HOUSE # 108 KHY E SHUJJ AT PHASE 6, DHA HOUSE 3 8, B/1, 28TH STREE T, OFF KH AYABAN E SHAMSH HOUSE 3 8, B/1, 28TH STREE T, OFF KH AYABAN E SHAMSH HOUSE NO. B - 22, BLOCK - 3, GULSHAN-E-IQBAL, HOUSE# A-61/2 GULIS TAN-E-JOHAR BLOCK-14 37 / II, MAIN KH Y-E-BAHARIA PHASE V, D.H.A. SHOP # 280/26-B, L ATIF CLOTH MARKE T, M.A JINNAH R H # 2/9, ST # 37, MOH QILA MOHAMMAD, R AVI ROAD 3520171320777 50257058933 4230178588101 4230120449815 4230120449815 4220196310317 4220166755321 4230156619827 4230107769589 3520247743659
www.standardchartered.com.pk
79
Sr. No.
Name
Address
Principal
Principal
Total Balance
542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558 559 560 561 562 563 564 565 566 567 568 569 570 571 572 573 574 575 576 577 578 579 580 581 582 583 584 585 586 587 588 589 590
MANSOOR WAHID IRFAN WAHID AZRA SYED SHABBIR HUSSAIN NAQVI EJAZ ALI KHAN SABIHA JUNAID FAROOQI ABBUL HASSAN ABBUL HASSAN MOHAMMAD SALMAN MUHAMMAD AKBAR ARAIN IMRAN SABIR HAMZA TARIQ SAIGAL HAMZA TARIQ SAIGAL MOHAMMAD FAROOQ MOHAMMAD FAROOQ FAHEEM AHMED YASMEEN AHMED ZENOBIA RAZA BAIG KHALID RASHEED MAHMOOD UZZAMAN KHAN MAHMOOD UZZAMAN KHAN RASHID AKHTER SHEIKH MOHAMMAD ARSHAD JABBAR KHALID MEHMOOD KHALID MEHMOOD MUHAMMAD KHALID YOUNUS KAMAL YOUNUS KAMAL MOHAMMAD SALEEM MEHMOOD MANSOOR ALI MOHAMMAD AMIR MOHAMMAD AMIR GULZAR AHMED GULZAR AHMED MUHAMMAD AZAD MOHAMMAD AZIZUDDIN MOHAMMAD AZIZUDDIN MOHAMMAD J AVED MUNIR AHMED WASEEM SAAD AT SYED AHMED OBAID JAWAID MAHMOOD IQBAL MUNIR IQBAL MUNIR HAMMAD HASSAN CHEEMA HAMMAD HASSAN CHEEMA ANAS MUS TAFA GHULAM SAFDAR RASOOL MUHAMMAD HASHIM SIDDIQUE
HOUSE # 91/2 SABA AVENUE PHASE 5,EXT DHA HOUSE # 91/2 SABA AVENUE DHA PHASE V EXT APARTMENT # 1,FIRST FLOOR,PLOT # C- 26TH BADAR COM HOUSE # F-68,JAFRIA MASJID MANGHOPIR ROAD QASBA T APPARTMENT # TP-8, 5TH FLOOR, ,MALL SQUARE,BLOCK-B B-99, BLOCK# 6 GULSHAN-E-IQBAL PLOT# JM 135 ROSE GARDEN 2ND FLOOR FL AT#205 BURGAR PLOT# JM 135 ROSE GARDEN 2ND FLOOR FL AT#205 BURGAR
ABDUL WAHID ABDUL WAHID NADEEM LIAQU AT MUHAMMAD HUSSAIN NAQVI IFTIKHAR ALI KHAN MOHAMMAD JUNAID FAROOQI LATE SULTAN ALI LATE SULTAN ALI NA NA MOHAMMED SABIR NA NA NA NA MOHAMMAD AHMED KHAN HASSAN BHARD AY NA CHOUDA RY ABDUL RASHEED QAMAR UZZAMAN KHAN (L ATE) QAMAR UZZAMAN KHAN (L ATE) ABDUL QADEER KHAN JABBAR QURESHI NA NA ABDUL HAMEED NA NA SULEMAN MANSOOR ALI VIRANI MOHAMMAD ISHAQ MOHAMMAD ISHAQ NA NA ABDUL AZIZ NA NA ABDUL AZIZ JAMIL TALIB M SAAD AT ALI MIR MAKHDOOM ALI MAHMOOD MANZOOR NA NA MOHAMMAD ASLAM MOHAMMAD ASLAM HASSAN ABBAS GHULAM RASOOL NA
10,842,539 19,205,335 798,090 990,447 8,477,289 9,112,612 5,338,994 5,338,994 1,696,622 10,871,492 5,945,271 19,478,41 4 19,478,414 4,016,788 4,016,788 2,180,123 2,956,367 1,368,889 4,882,292 6,527,850 6,527,850 19,008,044 5,122,139 5,066,447 5,066,447 2,883,159 16,675,269 16,675,269 5,736,640 1,405,911 9,625,302 9,625,302 14,000,164 14,000,164 4,854,104 4,949,667 4,949,667 1,009,580 1,076,960 2,833,241 19,686,383 2,094,148 17,221,413 17,221,413 5,427,218 5,427,218 5,040,795 22,977,101 6,289,844
194,120 978,709 202,619 181,110 82,375 76,158 76,158 344,232 122,172 212,675 1,022,007 1,022,007 96,176 96,176 30,540 427,649 100,265 365,465 296,089 296,089 4,073,668 1,210,821 1,278,125 1,278,125 4,068,241 4,068,241 1,904,522 279,708 1,632,990 1,632,990 898,282 898,282 1,830,958 260,222 260,222 170,106 230,210 831,338 2,457,461 355,072 3,839,219 3,839,219 313,067 313,067 130,669 2,662,354 1,571,538
(29) -
11,036,659 20,184,044 1,000,709 1,171,557 8,477,260 9,194,987 5,415,152 5,415,152 2,040,854 10,993,664 6,157,946 20,500,421 20,500,421 4,112,964 4,112,964 2,210,663 3,384,016 1,469,154 5,247,757 6,823,939 6,823,939 23,081,712 6,332,960 6,344,572 6,344,572 2,883,159 20,743,510 20,743,510 7,641,162 1,685,619 11,258,292 11,258,292 14,898,446 14,898,446 6,685,062 5,209,889 5,209,889 1,179,686 1,307,170 3,664,579 22,143,844 2,449,220 21,060,632 21,060,632 5,740,285 5,740,285 5,171,464 25,639,455 7,861,382
1,710,935 9,264,891 655,163 527,764 607,433 1,181,975 1,605,111 644,740 749,229 1,094,593 2,092,352 1,862,917 3,727,504 1,284,163 711,570 656,354 1,146,950 676,608 976,631 1,371,146 1,744,718 11,193,852 2,620,148 3,246,167 2,946,728 908,684 947,000 15,200,000 4,115,145 1,829,013 1,036,280 4,504,112 4,685,735 4,621,193 3,642,316 1,064,558 814,486 508,500 776,772 1,775,803 1,200,000 2,747,741 1,206,231 10,009,276 1,008,397 658,097 503,823 556,230 3,633,968
1,710,935 9,264,891 655,163 527,764 607,433 1,181,975 1,605,111 644,740 749,229 1,094,593 2,092,352 1,862,917 3,727,504 1,284,163 711,570 656,354 1,146,950 676,608 976,631 1,371,146 1,744,718 11,193,852 2,620,148 3,246,167 2,946,728 908,684 947,000 15,200,000 4,115,145 1,829,013 1,036,280 4,504,112 4,685,735 4,621,193 3,642,316 1,064,558 814,486 508,500 776,772 1,775,803 1,200,000 2,747,741 1,206,231 10,009,276 1,008,397 658,097 503,823 556,230 3,633,968
FLAT # A-104/A GREY GARDEN BLOCK 16, GULISTAN-E-J 4250114296809 APARTMENT # A - 13, 4TH FLOOR, AAMIR SQUARE, MOOS HOUSE # 55-S BLOCK 6 PECHS HOUSE # 128/3 27TH STREE T,KHAYABAN-E-BUKHARI PHAS HOUSE # 128/3 27TH STREE T,KHAYABAN-E-BUKHARI PHAS FLAT # 13,SANA HEIGHTS KMCHS, JUSTIC INAMULLAH ROA FLAT # 13,SANA HEIGHTS KMCHS, JUSTIC INAMULLAH ROA APPT# B-311 3RD FLOOR BIL LY`S PARADISE PHASE II BL R-343 SECTOR# 15-A-5 , BUFFER ZONE NORTH KARACHI A-113, BLOCK # 4, GULIS TAN-E-JOUHAR, HOUSE# B-28,STREET# 25, MODEL COLONY, F-33 CLIFTON BLOCK-5 F-33 CLIFTON BLOCK-5 74/B, 33RD STREET PHASE V, EXTENSION KH YABAN- ES FLAT # D - 27, NOMAN HE AVEN, 4TH FLOOR,B / 15, GU HOUSE # 194/1, GALI-20, ROAD G, BIHAR COLONY, LIY HOUSE # 194/1, GALI-20, ROAD G, BIHAR COLONY, LIY HOUSE # 528, BLOCK # III, ZINDA PIR STREET, MASAN R-1,ROW Z-2,BLOCK# 10-A, GULSHAN-E-IQBAL, R-1,ROW Z-2,BLOCK# 10-A, GULSHAN-E-IQBAL, FLAT# 508, ANA CROWN PALACE, 64/4 NISH TAR ROAD,GA FLAT # 45, GULSHAN-E-ALI, E - III / 4, NAZIMABAD HOUSE B-78 BLOCK 12 GULIS TAN E JOUHAR HOUSE B-78 BLOCK 12 GULIS TAN E JOUHAR E - 33 / 1 BLOCK - 4 GULSHAN IQBAL, E - 33 / 1 BLOCK - 4 GULSHAN IQBAL, GULSHAN PLAZA, 1ST FLOOR, FUTURE FOCUS INTERN ATION 4230197763275 4220141546067 4230123560607 4230123560607 4230188359257 4230188359257 4220194238389 4210196506709 4220105445366 4220175124543 4230194082011 4230194082011 4130433055785 4220117526583 4230109987285 4230109987285 4240119108731 4210118694547 4210118694547 4230115819745 4210116565411 4220153216627 4220153216627 4220173302415 4220173302415 3740505285241
A-29, STREET NO 07, GULSHAN-E- FAISAL, B ATH ISLAND 4230164982747 A-29, STREET NO 07, GULSHAN-E- FAISAL, B ATH ISLAND 4230164982747 HOUSE NO R-422, SECTOR 8-B, GULSHAN-E-ZAHOOR, J - 1, GULIS TAN APPARTMENT, LANE # 7, GULISTAN CO HOUSE# 20,AN WAR STREE T, CHAMAN BAGH RAJH GARH, RI 50-Q,101, BLOCK 2, KARACHI PECHS, 4220186624167 3522112030663 3520229558813 4220145094791
FLAT NO. 701, 7TH FLOOR, CHAP PAL RESO RT,BLOCK - A, 4230151948475 HOUSE # 103/I 6TH STREET OFF KH E RAH AT, PHASE 6, HOUSE # 103/I 6TH STREET OFF KH E RAH AT, PHASE 6, HOUSE NO 80-1, KH-E-HAFIZ, PHASE V1,DHA HOUSE NO 80-1, KH-E-HAFIZ, PHASE V1,DHA 4200004752307 4200004752307 6110192422261 6110192422261
E-65, BLOCK F, MOB # 03002002777 NO RTH NAZIMABAD. 4210185652825 11-J, SUN FLOWER HOUSING SCHEME, MAIN CANAL ROAD, B - 359 FAISAL TOWN 6110174237379 3520239119883
80
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
591 592 593 594 595 596 597 598 599 600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 619 620 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635
MUHAMMAD MOEEN SAFDER MUHAMMAD MOEEN SAFDER ABDUL RASHID ABDUL RASHID ABDUL RASHID MUHAMMAD ARIF MUHAMMAD ARIF MUHAMMAD HASHIM ASAD ALI MALIK ASAD ALI MALIK ABDUL RASHEED AYAZ KHAN AYAZ KHAN MUHAMMAD IQBAL ATARA ZAMIN RAZA ZAMIN RAZA SYED MOHAMMAD NADEEM SHAH BUKHARI SAALIM SALAM ANSARI SAALIM SALAM ANSARI UMER H AYAT AMIR NAFEES CHEEMA MUSH TAQ AHMED SHAKIR SABBIR MASHKOOR AHMED KHAN MASHKOOR AHMED KHAN MUJAHID N AWAZ SYED MUHAMMAD ABUL FARAHA ZAIDI MANSOOB HASSAN DURANI LUQMAN ALI AFZAL MUHAMMAD ASHRAF IRFAN AHMAD IRFAN AHMAD NAEEM MUM TAZ SAHIBZADA SYED ZIA MUHAMMAD SHAH HAMDANI HUSSAIN KHALID RASHEED KHALID RASHEED MANSOOR ADIL AHAD NAZIR AHAD NAZIR MIRZA SHUJ AT ALI BAIG TAHIR MEHMOOD ATTA MUHAMMAD MERAJ UL ISLAM NIAZ AHMED KHOKAR
HOUSE # 885 E BLOCK JOHAR TOWN HOUSE # 885 E BLOCK JOHAR TOWN C-16, DHORAJEE COLONY, C-16, DHORAJEE COLONY, C-16, DHORAJEE COLONY , HOUSE # 58-59, BLOCK B, KAZIMABAD, MODEL COLONY, HOUSE # 58-59, BLOCK B, KAZIMABAD, MODEL COLONY, B-93 BLOCK -7 GULIS TAN E JAUHAR HOUSE # 9, STREET # 95, SECTOR I-8/4, HOUSE # 9, STREET # 95, SECTOR I-8/4, FLAT# 501 ZOHRA CLASSIC BRITTO ROAD SOLDIER BAZAR H # 4 A/1, 4TH STREET PHASE I, DHA H # 4 A/1, 4TH STREET PHASE I, DHA 66/SHER SHAH BLOCK NEW GARDEN TOWN FLAT # 107, JJ LUXU RY APPARTMENT, BEHIND HUSSAINI FLAT # 107, JJ LUXU RY APPARTMENT, BEHIND HUSSAINI BANGLOW # E/292, MAIN AIRPO RT RD NEAR SIDDIQUE PLA H # GFI/44, SEA VIEW AP PARTMENTS DHA H # GFI/44, SEA VIEW AP PARTMENTS DHA H # 113/A, BLOCK # A, UNIT # 4, LATIFABAD, CAPITAL ROAD NEAR HUSSAIN BIN TARIQ HOSPI TAL, FLAT # 706/G3 HAMI LTON COU RT NEAR III TALWAR H# 3, STREET# 39, SANT NAGAR H # A-204,SECTOR 11-B NO RTH NAZIMABAD H # A-204,SECTOR 11-B NO RTH NAZIMABAD 14 NATIONAL COLONY REHMAN PURA H # A-44, SECTOR T-2 GULSHAN-E-M AYMAR H # R-645, BLOCK # 19 F.B. AREA THE MONAL PEER SOH AWA GOOKINA MORR FLAT # A-6-7, BUILDING-25, CRESCENT COMPLEX, BLOC 329-F JOHAR TOWN 329-F JOHAR TOWN PLAZA SHOES SAID NAGRI MARKE T, OFFICE # 15, 2ND FLOOR MASCO PLAZA JINNAH AVENUE 2 B APPARTMENT, PLOT 16-A QASR AY HUSSAINI SHABIRA HOUSE NO 212 BLOCK # 2,SECTOR B-II TOWN SHIP HOUSE NO 212 BLOCK # 2,SECTOR B-II TOWN SHIP H# B-66, BLOCK -H NO RTH NAZIMABAD KARACHI
3520263886633 3520263886633 4220182405755 4220182405755 4220182405755 4250180736197 4250180736197 4210144286131 6110168858763 6110168858763 4230121581565 4230161323777 4230161323777 4220107122819 4220101129595 4220101129595 4130423001125 4230103370707 4230103370707 4130484732089 3460247211737 4230109661219 3520246354689 4210190548647 4210190548647 3520250732289 4250122487547 4210103686599 3520218851777 4210107574347 3330108891471 3330108891471 3410150332105 3740132493253 4230110316279 3520285685871 3520285685871 4210107879601
SAFDER HUSSAIN SAFDER HUSSAIN ABDUL KARIM LAKHANI ABDUL KARIM LAKHANI ABDUL KARIM LAKHANI SHER BAHADUR SHER BAHADUR M QASIM MALIK M IQBAL MALIK M IQBAL NA SHAIKH AMEER MOHAMMAD SHAIKH AMEER MOHAMMAD NA NA NA
7,341,381 7,341,381 23,775,433 23,775,433 23,775,433 5,025,419 5,025,419 1,640,162 21,668,127 21,668,127 17,262,201 21,782,235 21,782,235 8,538,537 3,260,319 3,260,319
1,662,113 1,662,113 5,009,867 5,009,867 5,009,867 226,051 226,051 48,820 7,149,483 7,149,483 3,276,123 3,210,566 3,210,566 552,918 803,093 803,093 3,731,576 2,462,172 2,462,172 2,196,306 425,866 595,538 718,471 1,729,637 1,729,637 937,689 447,930 571,192 349,414 453,745 1,273,481 1,273,481 1,009,983 402,918 1,227,529 514,095 514,095 422,729 562,823 562,823 223,066 1,872,373 375,521 3,438,430 256,013
9,003,494 9,003,494 28,785,300 28,785,300 28,785,300 5,251,470 5,251,470 1,688,982 28,817,610 28,817,610 20,538,324 24,992,801 24,992,801 9,091,455 4,063,412 4,063,412 17,166,673 12,361,836 12,361,836 21,569,082 3,273,962 2,707,896 3,716,451 9,016,054 9,016,054 5,335,703 1,938,276 2,368,257 26,959,554 11,686,669 8,059,685 8,059,685 5,597,517 4,174,487 8,734,478 2,413,149 2,413,149 15,295,077 13,366,480 13,366,480 7,982,882 16,633,575 6,783,634 15,292,163 3,671,707
1,555,878 8,329,408 1,758,570 1,934,012 21,132,800 1,261,766 706,968 1,775,902 18,672,612 6,661,494 553,480 2,137,245 2,292,026 521,507 4,489,138 4,365,182 11,385,577 620,409 7,459,661 12,951,746 894,803 1,687,276 3,632,235 527,741 6,697,809 4,618,151 1,301,422 939,273 540,197 3,984,486 936,057 7,360,000 1,258,863 599,712 2,448,681 1,627,975 1,178,366 2,624,283 3,346,642 509,156 2,285,467 886,568 1,271,027 6,424,668 689,496
1,555,878 8,329,408 1,758,570 1,934,012 21,132,800 1,261,766 706,968 1,775,902 18,672,612 6,661,494 553,480 2,137,245 2,292,026 521,507 4,489,138 4,365,182 11,385,577 620,409 7,459,661 12,951,746 894,803 1,687,276 3,632,235 527,741 6,697,809 4,618,151 1,301,422 939,273 540,197 3,984,486 936,057 7,360,000 1,258,863 599,712 2,448,681 1,627,975 1,178,366 2,624,283 3,346,642 509,156 2,285,467 886,568 1,271,027 6,424,668 689,496
SYED MOHAMMAD SAEED SHAH BUKHARI 13,435,097 MOHAMMAD ABDUL SALAM ANSARI MOHAMMAD ABDUL SALAM ANSARI MUBARAK HUSSAIN CHAUDH RY NAFEES CHEEMA MOHAMMAD HUSAIN SABBIR ALI SHABBIR AHMED KHAN SHABBIR AHMED KHAN MUHAMMAD N AWAZ S ZAFAR MEHDI ZAIDI SARWAR HUSSAIN SHEIKH MOHAMMAD AFZAL ZULFIQAR AHMED NASRULLAH KHAN NASRULLAH KHAN MUM TAZ AHMED NA AMEER ALI NA NA MUHAMMAD ZUBAIR NAZIR GHAF FAR NAZIR GHAF FAR MIRZA UBAIDULLAH BAIG CH NOOR MUHAMMAD NA SIRAJ UL ISLAM NISAR AHMED KHAN 9,899,664 9,899,664 19,372,776 2,848,096 2,112,358 2,997,980 7,286,417 7,286,417 4,398,014 1,490,346 1,797,065 26,610,140 11,232,924 6,786,204 6,786,204 4,587,534 3,771,569 7,506,949 1,899,054 1,899,054 14,872,348 12,803,657 12,803,657 7,759,816 14,761,202 6,408,113 11,853,733 3,415,694
A-1-209, HOME LAND APP T, BLOCK # 13-C, GULSHAN-E- 4220146529697 A-1-209, HOME LAND APP T, BLOCK # 13-C, GULSHAN-E- 4220146529697 F#D-18, 2ND FLOOR RUQ AYYA SQUARE BLOCK 14- F B AREA FALCON ENGINEERING 14, 4TH FLOOR UNITED PLAZA BLU FLAT # 207-C, 2ND FLOOR, FL-2, JINNAH VIEW MAINS H # 426, ST # 21, GAZE NIGAR R-168 AREA 37 F & J KHURRAM ABAD KANDHI # 1 4210121822135 6110199431749 4130338007353 4230198851223 4220184851569
www.standardchartered.com.pk
81
Sr. No.
Name
Address
Principal
Principal
Total Balance
NIAZ AHMED KHOKAR ATIF ZUBAIR MUHAMMAD ASAD SHEIKH MUHAMMAD ASHRAF
R-168 AREA 37 F & J KHURRAM ABAD KANDHI # 1 KDA SCHEME # 1 HOUSE# S T-1/B
4220184851569 4220127431665
NISAR AHMED KHAN ZUBAIR ASLAM MUHAMMAD AKBER ABDUL GHAF FAR
1,196,961 14,012,164 572,099 1,692,482 1,262,123 578,943 8,472,625 1,147,132 1,714,920 769,229 5,602,112 1,073,726 534,032 1,145,384 11,905,963 1,652,843 689,996 937,429 8,069,739 4,710,924 1,410,666 5,760,000 2,027,848 678,097 3,127,791 1,353,345 4,724,228 723,221 1,519,755 1,856,922 9,600,000 8,800,000 10,498,968 4,199,961 6,104,733 2,011,289 1,440,201 922,094
FLAT -4 PLOT -130 10TH COMMERCIAL STREET PHASE -I 4230129432233 389/B, AMEER KHUSROO ROAD BLOCK , 7/8, ADAMJEE NA H # B-217, BLOCK D NO RTH NAZIMABAD SOHA MENSION, 3RD FLOOR, GK - 2/2, NEAR BANGAL HOU HOUSE # 87, ACN, SECTOR 1, HOUSE # D-3, ARBAN HEA LTH CENTRE, LANDHI # 3, FLAT # 012-A-1 BLOCK 13-D/3, S AVANA CITY GULSHANFLAT # M-03, CHAPLE RESO RT, BLOCK I, CLIFTON. FLAT # M-03, CHAPLE RESO RT, BLOCK I, CLIFTON. 4220166270805
640 641 642 643 644 645 646 647 648 649 650 651 652 653 654 655 656 657 658 659 660 661 662 663 664 665 666 667 668 669 670 671 672 673
KHALID IQBAL KHAN IDREES MUHAMMAD AHSAN ASHRAF SYED MOHAMMAD KHALID MUHAMMAD SALEEM ZIAUDDIN SHAIKH ZIAUDDIN SHAIKH JAWED JAWED ABDUL RAUF MUHAMMAD RAFIQ MUHAMMAD SALMAN MANZOOR SIDDIQUI EXPRESS SE RVICES SOHAIL HAMEED BUTT MOHAMMAD ZAHID IMRAN ALI NASIR MEHMOOD BUTT SYED ZULFIQAR AHSAN BUKHARI MUHAMMAD SALEEM SAIF UR REHMAN MUHAMMAD IMTIAZ MUHAMMAD IMTIAZ MAMOON RASHEED MAMOON RASHEED MUHAMMAD JUNAID MUHAMMAD IR FAN S.M ABBAS HASAN ABIDI SYED BURHAN HUSSAIN RAZI ULLAH KHAN MUHAMMAD NADEEM BUTT IJAZ PASHA FARZAND ALI J AVED KHAWAJA ZA FAR IQ BUSHRA NADEEM
NA MOHAMMED CH M ASHRAF HUSSAIN NA NOOR UL ISLAM JAMAL UDDIN SHAIKH JAMAL UDDIN SHAIKH MUHAMMAD MUHAMMAD MUHAMMAD HAJI D AWOOD NA NA NA ABDUL HAMEED BUTT MOHAMMAD IQBAL WALI MOHAMMAD SAJAWAL HUSSAIN GHULLAM HUSSAIN BUTT SYED M. AHSAN BUKHARI (L ATE) NA NA NA NA ABDUR RAHEED ABDUR RAHEED SULEMAN HABIB MUHAMMAD I LYAS SIBTE HASAN ABIDI SYED SAJJAD HUSSAIN WASI ULLAH KHAN (L ATE) MUHAMMAD HANIF BUTT GHULAM ABBAS PASHA MUHAMMAD DIN (L ATE) KHAWAJ FAZAL ELLAHI NADEEM LERASAB
14,021,004 5,208,347 6,828,261 3,825,565 6,708,232 5,784,908 5,784,908 8,548,828 8,548,828 1,830,223 17,797,782 4,404,605 2,932,809 3,820,747 5,937,275 3,872,729 7,447,066 4,987,429 4,229,181 1,848,939 2,748,059 2,748,059 4,595,642 4,595,642 8,660,898 1,252,730 8,250,000 7,289,476 7,723,629 3,119,708 4,497,109 3,946,115 1,074,757 7,390,942
209,047 63,185 1,411,987 191,921 924,613 924,613 788,969 788,969 349,414 7,381,758 887,861 515,558 408,692 -
14,230,051 5,271,532 8,240,248 4,017,486 6,708,232 6,709,521 6,709,521 9,337,797 9,337,797 2,179,637 25,179,540 5,292,466 3,448,367 4,229,439 5,937,275 3,872,729 7,447,066 4,987,429 4,229,181 1,848,939 2,748,059 2,748,059 4,595,642 4,595,642 8,660,898 1,252,730 8,250,000 7,289,476 7,723,629 3,119,708 4,497,109 3,946,115 1,074,757 7,390,942
1,262,123 578,943 8,472,625 1,147,132 1,714,920 769,229 5,602,112 1,073,726 534,032 1,145,384 11,905,963 1,652,843 689,996 937,429 5,937,275 3,872,729 1,410,666 5,760,000 2,027,848 678,097 3,127,791 1,353,345 4,724,228 723,221 1,519,755 1,856,922 8,250,000 8,800,000 7,723,629 3,115,585 6,104,733 2,011,289 1,440,201 922,094
2,132,464 1,384,421 -
(546,226) -
FLAT # 113, BLOCK -B, RUFI HE AVEN, GULSHAN-E-IQBAL 4220107975439 FLAT # 113, BLOCK -B, RUFI HE AVEN, GULSHAN-E-IQBAL 4220107975439 HOUSE # A-80,BLOCK 9 YASEENABAD FEDERAL B AREA 4210417175947 NEW TRUCK S TAND, MARIPUR G ATE NO.1, GALI NO. 4, P 5220410568123 HOUSE # A-17,BLOCK-17, SHALIMAR BANGLO W, GULIS TAN OFF.NO.I, 1ST FLOOR GHOUS PLAZA, M SOHAIL HAMEED BUT T, XX-56 COMMERCIAL AREA, KHAYAB HOUSE # B-192, BLOCK # 4-A, GULSHAN-E-IQBAL FLAT # 1A/1, PLOT # FL-8, BLOCK # 2 SEA CLIFF AP RT C-36, DARAKSHAN VILLAS, BEACH AVENUE D.H.A. PHASE 4220105787037 3330232823513 3520197472545 4220194792149 4230122958029 4220106563855
FLAT NO. FF2, BLOCK-B1, PHASE V EX T. SEA VIEW AP PA 4230131747869 FL-1 IST FLOOR 14-C 6TH ZAMZAMA COMM LANE PHASE V B-202 ASHIANA II BLOCK NO 17 GULSHAN-E-IQBAL FLAT # P-1, 5TH. FLOOR, MADINA HEIGHTS BLOCK # 7 & FLAT # P-1, 5TH. FLOOR, MADINA HEIGHTS BLOCK # 7 & C NO 91 BLOCK D NO RTH NAZIMABAD C NO 91 BLOCK D NO RTH NAZIMABAD CF-105/B-IV FL AT NO B-8 3RD FLOOR AL HBIB CASTLE C FLAT NO 17 AL MADINA HEIGHTS BLOCK7/8 DHORAJEE C.P FLAT # A-4 4TH FLOOR MARINE BLESSINGS BLOCK-3 , CL B-88, BLOCK 7, KDA SCHEME 36 GULIS TAN-E-JOUHAR B-268 BLOCK 14, GULIS TAN-E- JAUHAR KARACHI NEAR CO HOUSE # 39/2, RAI-E-AMAN STREET # 1, SHAGAN COLONY HOUSE NO. 145, STREET NO. 6 ASKARI X B - 1160, SATELLITE TOWN HOUSE NO 431/1 MOHALLAH NASIRABAD ST NO 15 HOUSE # 149, STREET # 6 ASKARI-10, R AWALPINDI 4230109029607 4220172092995 4220105414133 4220105414133 4210111450217 4210111450217 4230109358893 4220106667233 4230178325333 4210115822789 4220153100277 3740597191329 6110115726431 3740551246435 3740502527997 3740590057276
82
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
HOUSE # 11-A, SECTOR 4-B, KH AYABAN-E-SIR SYED HOUSE # 8, SU RVEY # 15, P.A.F OFFICER COLONY, ZARA 282-G-4, JOHAR TOWN, LAHORE,
2,265,260 -
www.standardchartered.com.pk
83
KPMG Taseer Hadi & Co. Chartered Accountants Syed Iftikhar Anjum
www.standardchartered.com.pk
85
ASSETS Cash and balances with treasury banks Balances with other banks Lendings to financial institutions Investments Advances Operating fixed assets Intangible assets Deferred tax assets Other assets LIABILITIES Bills payable Borrowings from financial institutions Deposits and other accounts Sub-ordinated loans Other liabilities NET ASSETS REPRESENTED BY: Share capital Reserves Unappropriated profit Attributable to equity holders of the bank Minority interest Surplus / (deficit) on revaluation of assets - net of deferred tax CONTINGENCIES AND COMMITMENTS
Note 4 5 6 7 8 9 10 11 12
13 14 15 16 17
18 19
20 21
The annexed notes 1 to 42 form an integral part of these consolidated financial statements.
86
www.standardchartered.com.pk
24 7.10 25
26 27 28
------------- (Rupees) -------------BASIC / DILUTED EARNINGS PER SHARE The annexed notes 1 to 42 form an integral part of these consolidated financial statements.
www.standardchartered.com.pk
87
(i) Surplus / deficit on revaluation of 'Available for Sale' securities is presented under a separate head below equity as 'surplus / deficit on revaluation of assets' in accordance with the requirements specified by the State Bank of Pakistan vide its BSD circular 20 dated 04 August 2000 and BSD circular 10 dated 13 July 2004. (ii) Surplus on revaluation of fixed assets is presented under a separate head below equity as 'surplus / deficit on revaluation of assets' in accordance with the requirements of section 235 of the Companies Ordinance, 1984. The annexed notes 1 to 42 form an integral part of these consolidated financial statements.
88
www.standardchartered.com.pk
31
www.standardchartered.com.pk
89
Total
Minority Interest
Total
------------------------------------------- (Rupees in '000) -------------------------------------------Balance as at 31 December 2008 (as presented) Effect of change in accounting policy with respect to share based payment transactions (note 2.7.1) Balance as at 31 December 2008 (as restated) Total Comprehensive income for the year Profit for the year Other Comprehensive income Actuarial loss on defined benefit plan - net of tax Transactions with owners, recorded directly in equity Share based payment transactions (contribution from holding company) Payment against share based payment transactions (to holding company) Transfer to statutory reserve Dividend paid to minority shareholders Expenditure on issue of right shares Balance as at 31 December 2009 (as restated) Total Comprehensive income for the year Profit for the year Other Comprehensive income Actuarial gain on defined benefit plan - net of tax Transactions with owners, recorded directly in equity Share based payment transactions (contribution from holding company) Payment against share based payment transactions (to holding company) Transfer to statutory reserve Dividend paid to minority shareholders Transferred from surplus on revaluation of fixed assets - net of deferred tax Balance as at 31 December 2010 1,410 3,665,822 1,410 3,665,822 76,443 1,410 3,742,265 3,664,412 3,664,412 76,443 3,740,855 38,715,850 1,036,090 147,663 1,016,257 109,559 (226,782) (117,223) (147,663) (3,366) 4,049,209 109,559 (226,782) (117,223) (3,366) 44,817,406 (59,900) (520) 772,504 109,559 (226,782) (117,223) (59,900) (3,886) 45,589,910 (13,914) 800,594 (13,914) 800,594 57,903 (13,914) 858,497 814,508 814,508 57,903 872,411 38,715,850 38,715,850 1,036,090 1,036,090 868,594 868,594 44,125,441 11,960 44,137,401 775,021 775,021 44,900,462 11,960 44,912,422
38,715,850
1,036,090
732,882 1,749,139
(61,720) 787,227
The annexed notes 1 to 42 form an integral part of these consolidated financial statements.
90
www.standardchartered.com.pk
These financial statements are consolidated financial statements of Standard Chartered Bank (Pakistan) Limited and its subsidiaries ("the Group"). 2. 2.1 BASIS OF PREPARATION Basis of presentation In accordance with the directives of the Federal Government regarding the shifting of the Grouping system to Islamic modes, the State Bank of Pakistan has issued various circulars from time to time. One permissible form of trade related mode of financing comprises of purchase of goods by the Bank from its customers and immediate resale to them at appropriate mark-up in price on deferred payment basis. The purchases and sales arising under these arrangements are not reflected in these financial statements as such but are restricted to the amount of facility actually utilised and the appropriate portion of mark-up thereon. 2.2 Statement of compliance These financial statements have been prepared in accordance with approved accounting standards as applicable in Pakistan. Approved accounting standards comprise of such International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB) and Islamic Financial Accounting Standards (IFAS) issued by the Institute of Chartered Accountants of Pakistan (ICAP) as are notified under the Companies Ordinance, 1984, provisions of and directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962 and the directives issued by State Bank of Pakistan. In case the requirements differ, the provisions of and directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962 and the directives issued by the State Bank of Pakistan shall prevail. The Securities and Exchange Commission of Pakistan has approved and notified the adoption of International Accounting Standard 39, 'Financial Instruments: Recognition and Measurement' (IAS 39) and International Accounting Standard 40, 'Investment Property' (IAS 40). The requirements of these standards have not been followed in the preparation of these financial statements as the State Bank of Pakistan has deferred the implementation of these standards for banks in Pakistan till further instructions. However, investments have been classified and valued in accordance with the requirements of various circulars issued by the State Bank of Pakistan. 2.3 Basis of measurement These financial statements have been prepared under the historical cost convention, except that certain available for sale, trading and derivative financial instruments have been measured at fair value whereas certain fixed assets are stated at revalued amounts less accumulated depreciation and accumulated impairment losses, where applicable. 2.4 Use of estimates and judgments The preparation of financial statements in conformity with approved accounting standards requires management to make judgments, estimates and assumptions that effect the application of accounting policies and reported amounts of assets, liabilities, income and expenses. Actual results may differ from these estimates. The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised if the revision affects only that period, or in the period of the revision and future periods if the revision affects both current and future periods.
www.standardchartered.com.pk
91
Change in accounting estimate During the current period, the Bank has changed its estimate of useful life for motor vehicles and buildings on leasehold land. The useful life of motor vehicles has been changed from 5 years to 3 years, whereas in case of buildings on leasehold land, the estimate of economic life for capital expenditure incurred on leasehold buildings after 1 January 2010 has been revised from 15 years to 10 years. The management believes that the revised useful lives of motor vehicles and buildings on leasehold land will more appropriately reflect the pattern in which economic benefits are expected to be consumed by the Bank through continuing use of these assets. The change in accounting estimate has been applied prospectively in accordance with the requirements of International Accounting Standard 8, Accounting Policies, Changes in Accounting Estimates and Errors (IAS 8). Had the accounting estimate not been changed, the profit before tax would have been higher by Rs 9.934 million, while profit after tax would have been higher by Rs 6.457 million. The effect on future periods is not estimated to be material.
2.6
Functional and presentation currency These financial statements are presented in Pakistan Rupees, which is the Groups functional currency. Except as indicated, financial information presented in Pakistan Rupees has been rounded to the nearest thousand.
2.7
2.7.1 IFRS 2 Amendment The Standard Chartered Group operates share based payment plans for employees of its subsidiaries and branches. The services are received by the Bank, while the share based payment transactions are settled by the Group. In June 2009, the International Accounting Standards Board (IASB) issued amendments to International Financial Reporting Standard (IFRS) 2: Share-based payment effective 1 January 2010, which specify the accounting for group cash settled share based payment transactions in the separate financial statements of subsidiaries and branches. The revised IFRS 2 requires that entities receiving the services shall measure the services received as equity settled share based payment transaction, regardless of intra-group repayment arrangements. Accordingly, the expense for share awards is now determined by reference to the fair value of options granted and credited to equity as a contribution from parent. The fair value of equity instruments granted is based on the market prices, or determined using an appropriate valuation technique, at the date of grant. Previously, the services received by the Bank were measured as cash settled share based payment transactions; cash settled awards were revalued at each balance sheet date with any changes in fair value charged or credited to profit and loss. The change in accounting policy has been applied retrospectively. This change in accounting policy will not have any effect on the Bank's liability towards its parent, which will continue to be determined and recorded on cash settled basis. The liability would now be settled through debiting the equity. The change had the following effect on these financial statements: 2010 2009 -------- (Rupees in '000) --------150,905 117,223 52,817 41,028 98,088 76,195
Increase in Profit before tax Increase in taxation charge Increase in Profit after tax
The retained earnings at 31 December 2008 increased by Rs. 11,960 thousand. The effect on earning per share is not material. 2.7.2 IFAS 1 adoption During the year the Bank has adopted Islamic Financial Accounting Standard 1, Murabaha (IFAS 1) notified by the Securities and Exchange Commission of Pakistan. The application of this standard did not have any effect on these financial statements. The financing under Murabaha mode is disclosed in note 41.1
92
www.standardchartered.com.pk
www.standardchartered.com.pk
93
94
www.standardchartered.com.pk
www.standardchartered.com.pk
95
96
www.standardchartered.com.pk
This includes balances of Rs. 758.120 million (2009: Rs. 2,179.389 million) held with other branches and subsidiaries of Standard Chartered Group outside Pakistan. LENDINGS TO FINANCIAL INSTITUTIONS Repurchase agreement lendings (Reverse Repo) Placements 6.1 6.2 6,457,638 23,964,247 30,421,885 3,446,217 17,121,847 20,568,064
6.1
These carry mark-up at rates ranging from 12.3 percent to 13.8 percent per annum (2009: 11 percent to 12.4 percent per annum) payable at maturity, and are due to mature by February 2011. These arrangements are governed under Master Repurchase Agreements. This represents placements with other branches and subsidiaries of Standard Chartered Group outside Pakistan at mark-up rates ranging from 0.15 percent to 1.22 percent per annum (2009: 0.15 percent and 0.53 percent per annum), and are due to mature by August 2011. Particulars of lending In local currency In foreign currencies 6,457,638 23,964,247 30,421,885
2009
6.2
6.3
6.4
Held by bank
Market Treasury Bills Pakistan Investment Bonds 5,307,638 1,150,000 6,457,638
Total
Held by bank
3,446,217 3,446,217
Total
The market value of securities held as collateral against lendings to financial institutions amounted to Rs. 6,360.864 million (2009:Rs. 3,466.652 million).
98
www.standardchartered.com.pk
Held by bank
Given as collateral
Total
Held by bank
Given as collateral
Total
----------------------------------- (Rupees in '000) -----------------------------------7,932,763 161,588 18,958 18,958 18,958 (2,721) 16,237 7,932,763 161,588 50,600,556 10,375,882 1,363 86,987 3,625,000 280,189 65,234 73,129,562 7,265,191 1,928 186,460 58,609,847 10,853,045 10,551 6,364 86,987 1,800,000 154,799 68,750 79,043,922 4,778,239 19,009 4,797,248 4,797,248 2,773 4,800,021 7,265,191 1,928 186,460 63,388,086 10,872,054 10,551 6,364 86,987 1,800,000 154,799 68,750 83,841,170 (21,643) 83,819,527 179,835 (735,701) 83,263,661
7.3 7.10
7.2
Investments by segment Federal Government Securities Market Treasury Bills Pakistan Investment Bonds Fully paid up ordinary shares Listed companies Unlisted companies Bonds and Term Finance Certificates Sukuk and Ijarah Bonds Term Finance Certificates Other investments (mutual funds) Total investment at amortised cost Less: Provision for diminution in the value of investments Surplus on revaluation of held for trading securities - net Deficit on revaluation of available for sale securities - net
2010 2009 -------- (Rupees in '000) --------58,533,319 70,653,277 10,817,659 11,028,781 86,987 3,690,234 1,363 73,129,562 (27,341) 73,102,221 81,601 (889,547) 72,294,275 10,551 86,987 1,868,750 186,460 6,364 83,841,170 (21,643) 83,819,527 179,835 (735,701) 83,263,661
7.3
Particulars of provision for diminution in the value of investments Opening balance Charge for the year Reversals Net charge Closing balance 21,643 15,688 (9,990) 5,698 27,341 12,751 11,765 (2,873) 8,892 21,643
7.3.1
7.3.1 The details of provision held against investments are as follows: Ordinary shares of unlisted companies - available for sale Ordinary shares of listed companies - available for sale Units / certificates of mutual funds - available for sale Sukuk bonds - held to maturity 2,341 25,000 27,341 1,653 5,971 4,019 10,000 21,643
www.standardchartered.com.pk
99
7.5
Rating
Cost
Market value
Rating
Cost
Market value
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------7.6 Federal Government Securities Market Treasury Bills Pakistan Investment Bonds 7.7 Particulars of shares held - listed Unrated Unrated 50,600,556 10,375,882 60,976,438 50,566,358 9,520,186 60,086,544 Unrated 63,388,086 Unrated 10,872,054 74,260,140 63,457,418 10,066,905 73,524,323
2010
2009 Rating
Pakistan Telecommunication Company Limited AMZ Ventures Limited Sakrand Sugar Mills Limited Bawany Sugar Mills Limited Dadabhoy Cement Limited Khurshid Spinning Mills Taj Textile Mills Limited Provision for diminution in the value of investments - note 7.3.1
2010
2009
(Number of shares) - 260,000 - 183,000 7,500 7,500 2,800 2,800 11,000 11,000 4,800 4,800 3,500 3,500
Cost
Market value
22 22
Rating
Cost
Market value
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------N/A N/A Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated Unrated 10,046 505 10,551 (5,971) 4,580 2009 4,589 106 4,695
22
4,695
All shares are ordinary shares of Rs. 10 each. 7.8 Particulars of units / certificates held in mutual funds
2010
2010
2009
National Investment (Unit)Trust First Dawood Mutual Fund Provision for diminution in the value of investments - note 7.3.1
Rating
Cost
Market value
1,796 1,796
Rating
Cost
Market value
1,363 981 2,344
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------Unrated N/A 1,363 1,363 1,363 2010 Unrated 4-Star 1,363 5,001 6,364 (4,019) 2,345 2009
1,796
2,344
7.9
Rating
Cost
Market value
Rating
Cost
Market value
------------ (Rupees in '000) ------------- ------------ (Rupees in '000) ------------Wapda Sukuk Bonds Pakistan International Airlines Sukuk Bonds GoP Ijarah Sukuk Bonds Unrated Unrated Unrated 300,000 1,325,000 2,000,000 3,625,000 300,000 1,325,000 1,999,892 3,624,892 Unrated Unrated N/A 300,000 1,500,000 1,800,000 300,000 1,500,000 1,800,000
www.standardchartered.com.pk
2010
8,000,000
2009
8,000,000 Khushali Bank Limited Ordinary Shares of Rs. 10 each Chief Executive: M. Ghalib Nishtar Pakistan Export Finance Guarantee Agency Limited Chairman : Mr Muneer Kamal Society for Worldwide Interbank Fund Transfer
2010
A-/A-2
2009
Rating A-/A-2
2010
83,088
2009
83,088
(Number of shares)
(Rupees in '000)
573,769
573,769
Unrated
Unrated
3,004
3,004
Unrated
Unrated
Provision for diminution in the value of investments - note 7.3.1 8. ADVANCES Loans, cash credits, running finances, etc. - In Pakistan - Outside Pakistan Net investment in Finance Lease / Ijarah Finance - In Pakistan - Outside Pakistan Ijarah contracts accounted for under IFAS 2 Bills discounted and purchased (excluding treasury bills) - Payable in Pakistan - Payable outside Pakistan Advances - gross Provision for non-performing advances Advances - net of provision 8.1 8.1.1 Particulars of advances In local currency In foreign currencies Short term (for upto one year) Long term (for over one year) 8.5 Note
2010
2009
(Rupees in '000) 147,607,997 134,728,057 147,607,997 134,728,057 8.2 3,161,249 3,161,249 2,375,742 3,440,775 3,440,775 1,875,239
8.3
3,133,517 2,314,548 7,434,767 4,273,402 10,568,284 6,587,950 163,713,272 146,632,021 (18,991,715) (17,171,867) 144,721,557 129,460,154
139,256,861 123,995,458 5,464,696 5,464,696 144,721,557 129,460,154 97,878,638 89,903,855 46,842,919 42,556,299 144,721,557 129,460,154
8.1.2
www.standardchartered.com.pk
2010
Later than one and less than five years 1,450,402 398,401 1,848,803 (201,372) 1,647,431 Over five years Total
2009
Later than Not later one than one year and less than five years 1,829,248 278,090 2,107,338 (442,795) 1,664,543 1,588,493 418,346 2,006,839 (230,607) 1,776,232 Over five years Total
-------------------------------------------- (Rupees in '000) ------------------------------------------Lease rental receivable Residual value Minimum Lease payments Financial charges for future periods Present value of minimum lease payments 8.3 Ijarah Contracts accounted for under IFAS 2 The following is a statement of assets leased out subsequent to 1 July 2008 that have been accounted for under Islamic Financial Accounting Standard 2, 'Ijarah' (IFAS 2): 1,682,103 240,149 1,922,252 (408,434) 1,513,818 3,132,505 638,550 3,771,055 (609,806) 3,161,249 3,417,741 696,436 4,114,177 (673,402) 3,440,775
2010
Cost Accumulated depreciation Net book value Cost
2009
Accumulated depreciation Net book value
------------------------------ (Rupees in '000) -----------------------------Tangible Plant, machinery and equipment Motor vehicles 8.4 1,674,770 1,552,034 3,226,804 443,421 407,641 851,062 1,231,349 1,144,393 2,375,742 1,218,411 991,094 2,209,505 192,491 141,775 334,266 1,025,920 849,319 1,875,239
Advances include Rs. 22,581.390 million (31 December 2009: Rs. 22,003.706 million) which have been placed under non-performing status as detailed below:
Provision Required
Domestic Overseas
15,922 391,950 1,013,765 16,902,482 18,324,119 667,596 18,991,715 -
Provision Held
Domestic Overseas
15,922 391,950 1,013,765 16,902,482 18,324,119 667,596 18,991,715 -
Total
58,301 2,139,758 2,166,314 18,217,017 22,581,390 22,581,390
Total
15,922 391,950 1,013,765 16,902,482 18,324,119 667,596 18,991,715
Total
15,922 391,950 1,013,765 16,902,482 18,324,119 667,596 18,991,715
Provision Required
Domestic
14,897 1,038,116 1,235,149 13,576,695 15,864,857 1,307,010 17,171,867
Provision Held
Domestic
14,897 1,038,116 1,235,149 13,576,695 15,864,857 1,307,010 17,171,867
Overseas
-
Total
165,005 4,021,719 2,654,039 15,162,943 22,003,706 22,003,706
Overseas
Total
14,897 1,038,116 1,235,149 13,576,695 15,864,857 1,307,010 17,171,867
Overseas
Total
14,897 1,038,116 1,235,149 13,576,695 15,864,857 1,307,010 17,171,867
At 31 December 2010, the provision requirement has been reduced by Rs. 610.771 million (31 December 2009: Rs. 749.951 million) being benefit of Forced Sale Value (FSV) of commercial, residential and industrial properties (land and building only) held as collateral, in accordance with the requirements specified by SBP BSD Circular 10 dated 20 October 2009. Had the said benefit not been available profit for the year before taxation would have been higher by Rs. 139.180 million (after accounting for the discounting of FSV's benefit taken in previous year). Increase in profit amounting to Rs. 397.001 million due to the said FSV benefit is not available for distribution of cash and stock dividend . 2010 8.5 Particulars of provision against non-performing advances: Opening balance Charge for the year Reversals Amounts written off Other movements Closing balance
102 Annual Report 2010
2009
Specific
General
Total
Specific
General
Total
----------------------------------- (Rupees in '000) -----------------------------------15,864,857 1,307,010 17,171,867 10,614,653 1,795,417 12,410,070 8,246,716 1,250,375 9,497,091 8,581,701 663,553 9,245,254 (4,208,761) (1,889,789) (6,098,550) (561,907) (1,155,272) (1,717,179) 4,037,955 (639,414) 3,398,541 8,019,794 (491,719) 7,528,075 (1,342,030) (1,342,030) (2,750,148) (2,750,148) (236,663) (236,663) (19,442) 3,312 (16,130) 18,324,119 667,596 18,991,715 15,864,857 1,307,010 17,171,867
www.standardchartered.com.pk
8.6.2 8.7
In terms of sub-section (3) of section 33A of the Banking Companies Ordinance, 1962, the statement in respect of written-off loans or any other financial relief of five hundred thousand rupees or above allowed to a person(s) during the year ended 31 December 2010 is given in Annexure 1. 8.8 Particulars of loans and advances to directors, associated companies, etc. i) Debts due by directors, executives or officers of the bank or any of them either severally or jointly with any other persons Balance at beginning of the year Loans granted during the year Repayments Balance at end of the year ii) Debts due by companies or firms in which the directors of the bank are interested as directors, partners or in the case of private companies as members Balance at beginning of the year Loans granted during the year Repayments Balance at end of the year iii) Debts due by subsidiary companies, controlled firms, managed modarabas and other related parties Balance at beginning of the year Loans granted during the year Repayments Balance at end of the year
8.9 Contractual rentals receivable- Ijarah contracts commencing 1 July 2008
2010
Not later than one year Later than one Later than and less than five years five years 2,255,476 343,721 2,599,197 220 220 Total Not later than one year
2009
Later than one and less than five years 1,550,131 244,512 1,794,643 Later than five years Total
-------------------------------------------- (Rupees in '000) ------------------------------------------Rentals receivable Residual value Total future Ijarah payments receivable 512,961 11,775 524,736 2,768,657 355,496 3,124,153 699,766 586 700,352 338 338 2,250,235 245,098 2,495,333
9.
OPERATING FIXED ASSETS Capital work-in-progress Property and equipment 9.1 9.2
2010 2009 -------- (Rupees in '000) --------9,059 6,597,166 6,606,225 68,349 6,935,566 7,003,915
9.1
Capital work-in-progress Civil works Advance payment towards property and equipment Consultants' fee and other charges 2,387 6,252 420 9,059 18,004 47,162 3,183 68,349
www.standardchartered.com.pk
--------------------------- (Rupees in '000) ---------------------------5,315,577 82,010 4,561 5,402,148 95,349 2,607 97,956 5,304,192 1,389,895 24,936 (17,888) (4,720) 1,392,223 541,294 77,473 (12,856) (3,772) 602,139 790,084 3,406,663 107,345 (197,797) (64,846) 3,251,365 2,665,450 349,686 (195,261) (63,876) 2,755,999 495,366 81,375 10,193,510 503 214,794 (211,124) (12,251) (81,817) 69,627 10,115,363 51,200 21,407 (10,504) 62,103 7,524 3,257,944 543,915 (205,510) (78,152) 3,518,197 6,597,166
Cost / Valuation At 1 January 2009 Additions during the year Revaluation surplus recorded Revaluation adjustments* Transfers / write offs Deletions At 31 December 2009 Depreciation At 1 January 2009 Charge for the year Revaluation adjustments* Transfers / write offs Deletions At 31 December 2009 Net book value Rate of depreciation
--------------------------- (Rupees in '000) ---------------------------3,184,054 23,658 3,599,739 (449,612) (1,042,151) (111) 5,315,577 463,580 97,289 831,756 (2,730) 1,389,895 3,392,838 96,830 (43,420) (39,585) 3,406,663 86,434 7,126,906 10,576 228,353 3,599,739 (449,612) 110 (253,705) (15,745) (58,171) 81,375 10,193,510
* The revaluation adjustments relate to the accumulated depreciation as at the revaluation date that was eliminated against the gross carrying amount of the revalued buildings. 9.3 The Bank's owned land and buildings were revalued by an independent accredited professional valuer, Iqbal A. Nanjee & Co. (Private) Limited. The valuation performed by the valuer was based on active market prices, adjusted for any difference in the nature, location or condition of the specific land and building. The date of revaluation was 31 December 2009. The revaluation resulted in a net surplus of Rs. 3,599.739 million over the book value. If the owned land and buildings were measured using the cost model, the carrying amounts would have been as follows: 2010 2009 -------- (Rupees in '000) --------Cost Accumulated depreciation Carrying amount The movement in surplus on revaluation of fixed assets is given in note 20.1 to the financial statements. 9.4 9.5 As at 31 December 2010, the cost of fully depreciated property and equipment still in use amounted to Rs. 2,518.206 million (2009: Rs. 2,233.888 million). Depreciation rates for furniture, fixtures and office equipment are as follows: Furniture and fixtures Printers Other office equipment Computer equipment ATM machines
104 Annual Report 2010 www.standardchartered.com.pk
1,501 1,352
1,501 485 15,364 5,713 5,198 3,812 3,604 2,372 2,367 2,188 2,142 1,284 1,790 1,474 1,244 1,195 1,035 639 1,120 1,038 1,029 571 672 479 231 58,547
85 54 411 539 1,038 649 284 93 600 155 131 770 368 8 81 123 211 320 511 478 550 454 484 641 430 9,468
85 (813) 411 539 1,038 643 284 93 600 155 131 176 293 8 81 123 211 39 511 478 550 124 146 66 20 5,992
Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Tender Employee Service Rules Insurance Claim Employee Service Rules Employee Service Rules Employee Service Rules Employee Service Rules
M/s. Mohammad Ibrahim Osman Soomro Mr. Muhammad Saeed M/s. National Traders M/s. National Traders M/s. Muhammad Shahid Soomro M/s. Farhan & Company M/s. Farhan & Company M/s. Muhammad Hashim & Sons Mr. Muhammad Ibrahim Osman M/s. National Traders Mr. Muhammad Saeed M/s. National Traders M/s. Farhan & Company M/s. Mohammad Shahid Soomro M/s. National Traders Mr. Muhammad Saeed M/s. Mohammad Shahid Soomro M/s. National Traders Car Sold to Mr. Mohammd Hassan Raza (Veh #.LRK-6616) Car Sold to Ali Nawaz Khan (Veh #. LWL-3488) M/s. Adamjee Insurance Company Limited Car Sold to Muhammad Munir Kharadi (Veh #. APN-695) Car Sold to Jawed Anwar Car Sold to Rehan Anjum Car Sold to Farhat Ansari
15,364 5,713 5,198 3,818 3,604 2,372 2,367 2,188 2,142 1,878 1,865 1,474 1,244 1,195 1,035 920 1,120 1,038 1,029 901 1,010 1,054 641 62,023
Vehicles
Items having book value of less than Rs. 250,000 and cost of less than Rs. 1,000,000 Leased hold improvements Furniture, fixtures and office equipment Vehicles 1,867 12,469 5,458 81,817 1,786 12,455 5,364 78,152 81 14 94 3,665 265 1,256 2,705 13,694 184 1,242 2,611 10,029
10
INTANGIBLE ASSETS
2010
Goodwill Core deposits intangible Customer relationships intangible Brand names Computer Software Total
Cost At 1 January 2010 Additions during the year At 31 December 2010 Depreciation At 1 January 2010 Charge for the year At 31 December 2010 Net book value Rate of amortisation
----------------------------------------- (Rupees in '000) -----------------------------------------26,095,310 26,095,310 26,095,310 1,982,413 1,982,413 1,521,572 239,776 1,761,348 221,065 774,680 774,680 609,335 72,095 681,430 93,250 389,400 389,400 129,998 38,935 168,933 220,467 302,448 38,860 341,308 257,174 32,278 289,452 51,856 20% - 33.33% 29,544,251 38,860 29,583,111 2,518,079 383,084 2,901,163 26,681,948
2009
Cost At 1 January 2009 Transfers / write offs At 31 December 2009 Depreciation At 1 January 2009 Charge for the year Transfers / write offs At 31 December 2009 Net book value Rate of amortisation 10.1 10.2 26,095,310 26,095,310 26,095,310 1,982,413 1,982,413 1,195,382 326,190 1,521,572 460,841 774,680 774,680 497,065 112,270 609,335 165,345 389,400 389,400 91,066 38,932 129,998 259,402 302,456 (8) 302,448 225,686 31,496 (8) 257,174 45,274 20% 29,544,259 (8) 29,544,251 2,009,199 508,888 (8) 2,518,079 27,026,172
As at 31 December 2010, the gross carrying amount of fully amortised intangible assets (computer software) still in use amounted to Rs. 204.529 million (2009:Rs. 130.679 million). The recoverable amount for the purpose of assessing impairment on goodwill on acquisition of Union Bank Limited was based on value in use. The calculations are based on the 2011 budget approved by management, which has then been extrapolated for a further period of 19 years using a steady long term forecast GDP growth rate and a terminal value determined based on a long term earnings multiple. The cash flows are discounted using a pre-tax discount rate which reflects the current market rate appropriate for the business. For the calculation as at 31 December 2010, the bank has used a long term forecast GDP growth rate of 5.7 percent and a discount rate of 24.7 percent. The management believes that any reasonable possible changes to the key assumptions on which calculation of recoverable amount is based, would not cause the carrying amount to exceed the recoverable amount.
www.standardchartered.com.pk
Available for sale investments Provisions for loans and advances Other assets Fixed assets Surplus on revaluation of Fixed Assets Goodwill Actuarial gains on retirement benefits
(109,204) (37,674) 59,717 4,063 (770,445) (853,543) 2009 (Charge) / credit to profit and loss
At 1 January 2009
Debit/ (credit) to equity/ other comprehensive income (417,179) (41,173) 7,492 (450,860)
At 31 December 2009
Available for sale investments Accumulated business losses Provisions for loans and advances Other assets Fixed assets Surplus on revaluation of Fixed Assets Goodwill Actuarial gains on retirement benefits
11.1
The Finance Act, 2010 amended the Seventh Schedule to the Income Tax Ordinance, 2001 whereby the limit for claiming provisions for advances and off balance sheet items in respect of Consumer and SME advances has been enhanced from 1% to 5% of gross Consumer and SME advances. In case of Corporate advances, the limit continues to be 1% of gross Corporate advances. The management carried out an exercise as of 31 December 2010 and based on that concluded that the Bank would achieve a deduction for provisions in excess of the limit prescribed by the Income Tax Ordinance, 2001 in future years. Accordingly, deferred tax asset of Rs. 2,040 million has been recognised on such provisions for income years 2009 and 2010. The Seventh Schedule has been further amended through Finance Act, 2010 by introducing transitional provisions, whereby amounts provided for against irrecoverable or doubtful advances in tax year 2008 (income year 2007) and prior years, would be allowed in the tax year in which these advances are actually written off. The management considers that the amendment made vide Finance Act, 2009 in respect of provisions for bad debts being allowed at 1% of total advances is applicable for tax year 2010 (income year 2009), whereas for tax year 2009 (income year 2008), the provision for bad debts would continue to be allowed under the Seventh Schedule at the time of actual write-off. Accordingly, the deferred tax asset recognized upto 31 December 2008 relating to provisions for advances and off balance sheet items amounting to Rs. 4,240 million has been carried forward.
www.standardchartered.com.pk
12.
OTHER ASSETS Income / mark-up accrued in local currency Income / mark-up accrued in foreign currencies Advances, deposits, advance rent and other prepayments Receivable from defined benefit plans Receivable from defined contribution plans Advance taxation (payments less provisions) Branch adjustment account Unrealized gain on forward foreign exchange contracts Interest rate derivatives and currency option - positive fair value Receivable from SBP / Government of Pakistan Receivable from associated undertakings Receivable from Standard Chartered Bank, Sri Lanka operations Non-banking assets acquired in satisfaction of claims Tax compensation under section 102 of the Income Tax Ordinance Bank acceptances Unsettled trades Others Provision against other assets
Note
12.1
Provision against other assets Opening balance Charge for the year Reversal for the year Other movements Closing balance
12.2
Market value of non-banking assets acquired in satisfaction of claims amounted to Rs 91.983 million at 31 December 2010.
Note
13. BILLS PAYABLE In Pakistan Outside Pakistan 14. BORROWINGS FROM FINANCIAL INSTITUTIONS In Pakistan Outside Pakistan 14.1 Particulars of borrowings with respect to currencies In local currency In foreign currencies 14.2 Details of borrowings secured / unsecured Secured Borrowings from State Bank of Pakistan under Export Refinance (ERF) scheme Repurchase agreement borrowings (Repo) Murabaha finance State Bank of Pakistan - LTFF State Bank of Pakistan - LTF - Export Oriented Projects Unsecured Call borrowings Overdrawn nostro accounts
2010 2009 -------- (Rupees in '000) --------5,468,828 223,036 5,691,864 4,700,431 144,207 4,844,638
14.2.4
www.standardchartered.com.pk
Note
2010 2009 -------- (Rupees in '000) --------45,968,703 90,327,218 81,549,312 951,052 930,283 219,726,568 461,320 220,187,888 58,401,746 79,270,851 67,462,191 753,904 240,396 206,129,088 786,737 206,915,825
This includes Rs. 93.610 million (2009: Rs. 334.559 million) against balances of other branches and subsidiaries of Standard Chartered Group operating outside Pakistan. Particulars of deposits In local currency In foreign currencies 173,920,348 46,267,540 220,187,888 16.1 1,135,900 168,961,481 37,954,344 206,915,825 1,523,000
16.
16.1
The Bank issued subordinated Term Finance Certificates in three issues. The first issue of Rs. 750 million was fully repaid during 2008. The outstanding second and third issues of Rs. 750 million and Rs. 1,000 million respectively are unsecured and are subordinated to the depositors and other creditors of the bank, and carry the following terms: Second Issue 2003 AAA 0.75% above the cutoff yield of last successful auction of five years PIB Third Issue 2005 AAA 2.00% above the six months Karachi InterBank Offered Rate ("KIBOR") prevailing one working day prior to the beginning of each semi annual period 7 years
5% 10.75% 7 years
www.standardchartered.com.pk
Note
2010 2009 -------- (Rupees in '000) --------2,334,863 2,453 60,544 1,980,022 1,965,165 158,759 847,214 876,589 10,654,614 4,867,708 78,871 83,465 112,836 660,074 5,042,995 820,382 1,300,602 47,046 373,134 32,267,336 3,191,582 11,682 64,787 1,891,785 1,605,643 84,556 717,845 326,019 10,174,486 10,614,728 16,957 86,518 132,876 86,864 8,437,213 751,176 785,008 799,299 39,779,024
17.1 17.2
17.3 17.4
The estimated share of profit payable on participatory and unsecured Musharika facilities ranges from 10.55% to 11.50% per annum and are due to mature by August 2011. The estimated share of profit payable on participatory and unsecured Certificates of Musharika ranges from 11% to 15% per annum and are due to mature by May 2014. Due to Holding Company On account of reimbursement of executive and general administrative expenses Others 4,158,379 709,329 4,867,708 10,156,091 458,637 10,614,728
17.4
Provision against off-balance sheet obligations Opening balance (Reversal) / charge for the year Other movements Closing balance 86,518 (3,053) 83,465 76,762 19,976 (10,220) 86,518
18. 18.1
4,000,000,000
2,939,785,018
Ordinary shares of Rs. 10 each Fully paid in cash Issued in terms of scheme of amalgamation
29,397,850
931,800,003
9,318,000 38,715,850
3,871,585,021
These represent 892,554,151 shares of Rs. 10 each issued and allotted at par to Standard Chartered Bank, United Kingdom against transfer of entire undertaking of SCB Branch Business by SCB to the Bank, and 39,245,852 shares issued and allotted at par credited as fully paid up to persons who were registered shareholders of Union Bank. These shares have been issued in accordance with the scheme of amalgamation duly approved by State Bank of Pakistan on 4 December 2006.
www.standardchartered.com.pk
Note
19.1 19.2
2010 2009 -------- (Rupees in '000) --------1,036,090 1,749,139 2,785,229 1,036,090 1,016,257 2,052,347
This represents excess of fair value of the shares over par value of shares issued to registered shareholders of Union Bank in terms of the amalgamation scheme. In accordance with the Banking Companies Ordinance, 1962, the Bank is required to transfer twenty percent of its profit of each year to a reserve fund until the amount in such fund equals the paid-up capital of the Bank. The Board of Directors in its meeting held on March 3, 2011 has announced a final cash dividend of 6% (Re 0.6 per share) in respect of the year ended December 31, 2010 (2009: Rs. NIL per share). These financial statements for the year ended December 31, 2010 do not include the effect of these appropriations which will be accounted for subsequent to the year end. SURPLUS / (DEFICIT) ON REVALUATION OF ASSETS - NET OF TAX Surplus / (deficit) arising on revaluation of: Fixed assets Securities 20.1 20.2 3,551,020 (578,047) 2,972,973 3,558,566 (478,165) 3,080,401
20.
20.1
Surplus on revaluation of fixed assets Surplus on revaluation of fixed assets as at 1 January Surplus on revaluation of owned properties recorded during the year Transferred to unappropriated profit in respect of incremental depreciation charged during the year - net of deferred tax Related deferred tax liability Surplus on revaluation of fixed assets as at 31 December - gross Less: Related deferred tax liability on: Revaluation surplus as at 1 January Revaluation surplus recorded during the year Incremental depreciation charged during the year transferred to profit and loss account Surplus on revaluation of fixed assets as at 31 December - net of tax 3,599,739 (7,546) (4,063) (11,609) 3,588,130 (41,173) 4,063 (37,110) 3,551,020 3,599,739 3,599,739 (41,173) (41,173) 3,558,566
20.2
Surplus / (deficit) on revaluation of Available for Sale securities Market Treasury Bills Pakistan Investment Bonds Sukuk and Ijarah Bonds Listed shares and units of mutual funds Related deferred tax asset (34,198) (855,696) (108) 455 (889,547) 311,500 (578,047) 69,332 (805,149) 116 (735,701) 257,536 (478,165)
21. 21.1
CONTINGENCIES AND COMMITMENTS Transaction-related contingent liabilities Guarantees issued favouring: - Government - Others 21.1.1 30,962,886 16,542,077 34,059,679 13,209,874
21.1.1 21.2
Guarantees relating to Islamic Banking Business amount to Rs. 2,039 million (2009: Rs. 3,112 million). Trade-related contingent liabilities Letters of credit 21.2.1 15,182,936 20,169,332
21.2.1 21.3
Letters of credit relating to Islamic Banking Business amount to Rs. 1,045 million (2009: Rs. 2,113 million). Other contingencies Claims against the Bank not acknowledged as debt 21.3.1 12,432,208 12,045,661
www.standardchartered.com.pk
2010 2009 -------- (Rupees in '000) --------19,914,750 17,348,621 15,368,507 2,176,875 33,108,590 1,290,420 16,284,600 26,262,941 3,067,658 842,000 23,597,145 1,108,140
Counterparties With Banks for Hedging Market Making With FIs other than banks Hedging Market Making With other entities for Hedging Market Making Total Hedging Market Making 34 46,277,918 1,449,000 77,294,940 125,021,858 145,494,759 102 102 204 416 4,400,360 4,400,360 8,800,720 7,863,076
61 98 120
2009 Total Market Making * At the exchange rate prevailing at the end of the reporting period
Contracts with banks represent contracts entered with branches of Standard Chartered Bank, UK to obtain cover against the contracts with customers, except for 12 contracts with local banks having notional principal of Rs. 21,069 million. 21.6.2 Maturity analysis Interest Rate Swaps Remaining Maturity Upto 1 month 1 to 3 months 3 to 6 months 6 month to 1 year 1 to 2 year 2 to 3 years 3 to 5 years 5 to 10 years Above 10 years
Number of Contracts Notional Principal Negative Mark to Market Positive
Net
1 5 6 10 16 29 17 14 -
www.standardchartered.com.pk
2010 2009 -------- (Rupees in '000) --------18,474,431 62,607 22,508 8,863,572 1,146,110 614 28,569,842 19,266,256 141,004 34,734 7,135,299 34 664,611 323 27,242,261
26.1 26.2
www.standardchartered.com.pk
2010 2009 -------- (Rupees in '000) --------13,000 5,270 1,500 180 100 13,000 3,350 1,774 1,500 600 500 500 400 200 200 100
Consequent to Sale and Purchase Agreement (SPA) signed between Standard Chartered Bank, Sri Lanka (SCBSL) and Standard Chartered Bank (Pakistan) Limited (SCBPL), the Sri Lanka branch operations of SCBPL were amalgamated with SCBSL with effect from close of business on 10 October 2008. A closing audit of the branch was carried out at 10 October 2008, which identified additional losses (net of recoveries and other items recorded subsequent to 10 October 2008) of Rs. 77.610 million. According to the terms of SPA, unproductive debts, staff of SCBPL who are not retained by the purchaser, 'their corresponding housing loans and assets arising from litigation which cannot be assigned are held in trust with SCBSL. In case any recoveries are made or costs are incurred in respect of assets held in trust, these would be passed on to SCBPL. Accordingly, the income from Sri Lanka branch operations in the current year mainly represents recoveries (net of expenses) in respect of assets held in trust.
29.
TAXATION For the year - Current - Deferred For prior years - Current - Deferred
(Restated) 2010 2009 -------- (Rupees in '000) --------1,194,171 853,543 2,047,714 (30,884) (30,884) 2,016,830 5,757,685 2,015,190 21,042 (10,890) (8,512) 2,016,830 1,855,061 (1,385,905) 469,156 99,829 74,323 174,152 643,308 1,515,719 530,502 (18,488) (11,521) 174,152 (31,337) 643,308
29.1
Relationship between tax expense and accounting profit Profit before taxation Tax at the applicable tax rate of 35% (2009:35%) Expenses that are not deductible in determining taxable income Incomes (dividend, capital gain etc.) at reduced rates Prior year provision Others
www.standardchartered.com.pk
30.
EARNINGS PER SHARE - BASIC AND DILUTED Profit for the year attributable to equity holders of the bank Weighted average number of ordinary shares in issue during the year
(Restated) 2010 2009 -------- (Rupees in '000) --------3,664,412 3,871,585,021 814,508 3,871,585,021
-------------- (Rupees) -------------Earnings per share - basic and diluted 31. CASH AND CASH EQUIVALENTS Cash and balances with treasury banks Balances with other banks 32. STAFF STRENGTH Permanent Temporary / on contractual basis / direct contracts Group's own staff at the end of the year Outsourced Total Staff Strength 33. 33.1 DEFINED BENEFIT PLANS General description Non Management Staff Pension Fund The plan provides pension calculated at 50% of the average pensionable salary after completing 30 years of service. The employees of the bank are entitled to either pension or gratuity, but not both. However, the employees of ANZ Grindlays Bank transferred to the bank are entitled to both pension and gratuity and the minimum number of years required for entitlement of pension is 25 years for these employees. Pension is calculated as 1/120 times the last drawn merged salary for each year of service. Non Management Staff Gratuity Fund The plan provides a lump sum gratuity calculated at one month's salary for each completed year of service (maximum 39 months) after completing 5 years of service. For the employees of ex-ANZ Grindlays Bank, the plan provides a lump sum calculated at 50% of last drawn merged salary for each completed year of service (maximum 36 months) after completing 5 years of service. However, if the employee is not entitled for pension, the percentage is increased to 100%. The employees of SCBPL are entitled to either pension or gratuity, but not both. Management Staff Pension Fund The plan is closed to active employees. The entire liability is in respect of existing pensioners. 0.95 0.21
------------- Number ------------3,123 2 3,125 1,795 4,920 3,007 3 3,010 2,101 5,111
www.standardchartered.com.pk
Discount rate Expected rate of increase in salary in future years Expected rate of return on plan assets Expected long term rate of increase in pension Mortality rate Withdrawal rate
2009 12.5% p.a. 12.5% p.a. 12.5% p.a. 6.5% p.a. LIC (1975-79) ultimate mortality table rated down one year Light
SCB Management Pension Fund 2010 2009 Total 2010 2009
(Rupees in '000) 35,574 (34,931) 643 39,094 (46,335) (7,241) 42,667 (46,861) (4,194) 138,264 (157,179) (18,915) 136,940 (154,680) (17,740)
www.standardchartered.com.pk
33.12
Five year data on surplus / (deficit) of the plans and experience adjustments ----------------------------- (Rupees in '000) -----------------------------Present value of defined benefit obligation Fair value of plan assets Surplus Experience adjustments on plan liabilities - loss / (gain) Experience adjustments on plan assets - loss / (gain) 138,264 157,179 18,915 (4,247) 330 136,940 154,680 17,740 (7,621) 3,566 112,326 148,852 36,526 (7,620) (3,027) 243,948 333,183 89,235 (26,188) (22,440) 278,940 494,838 215,898 (6,675) 7,094
34.
SHARE BASED PAYMENTS The Bank's employees participate in the following share compensation plans for the acquisition of shares in the ultimate holding company, Standard Chartered Plc. The market value of shares is denominated in pounds sterling at the time of grant. i) International Sharesave Scheme The International Sharesave Scheme was first launched in 1996 and made available to all employees of the Bank. Employees have the choice of opening a three-year or a five-year savings contract. Within a period of six months after the third or fifth anniversary, employees may exercise the awards and receive any benefit in cash; alternatively, the employee may elect to have the savings, plus interest, repaid in cash. The price at which they may purchase shares is at a discount of up to 20 percent on the share price at the date of the invitation. There are no performance conditions attached to options granted. The options granted do not confer any right to participate in any share issue of any other company. Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year Adjustment due to right issue At 31 December
The weighted average price at the time the options were exercised during 2010 was 17.61 (2009: 14.07).
2010 Range of exercise price Weighted average exercise price 10.43 No. of options 109 Weighted average remaining life Weighted Expected Contractual average years years exercise price 3.33/5.33 2.19 9.31 No. of options 112 2009 Weighted average remaining life Expected Contractual years years 3.33/5.33 2.16
8.32/14.63
The intrinsic value of vested International Sharesave cash-settled awards as at 31 December 2010 was Rs. 19,688 thousand (2009: Rs. 17,601 thousand). ii) Restricted Share Scheme The Restricted Share Scheme is a discretionary share incentive scheme for high performing and high potential staff at any level of the organisation whom the Group wishes to motivate and retain. Except upon appointment when an executive director may be granted an award of restricted shares, the Restricted Share Scheme is not applicable to the Group's executive directors, as it has no performance conditions attached to it. Fifty percent of the award vests two years after the date of the grant and the remainder after three years. The awards granted under this scheme are nil cost options with any benefit payable in cash. The options granted do not confer any right to participate in any share issue of any other company. Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year Adjustment due to right issue At 31 December
85 34 (13) (7) 99
The weighted average price at the time the options were exercised during 2010 was 17.94 (2009: 10.78).
www.standardchartered.com.pk
N/A
The intrinsic value of vested Restricted Share Scheme cash-settled awards as at 31 December 2010 was Rs. 54,530 thousand (2009: Rs. 49,002 thousand). iii) Supplementary Restricted Share Scheme The Group operates a Supplementary Restricted Share Scheme which can be used to defer part of an employee's annual bonus in shares. The plan is principally used for employees in the global markets area and is similar to the RSS outlined above for three important factors: executive directors are specifically prohibited from the plan; no new shares can be issued to satisfy awards; and there is no individual annual limit. Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year At 31 December
2010 Range of exercise price Weighted average exercise price No. of options 6
5 6 (2) (3) 6
5 5
Weighted average remaining life Weighted Contractual average Expected years exercise price years 5 2.08 -
N/A
The intrinsic value of vested Supplementary Restricted Share Scheme cash-settled awards as at 31 December 2010 was Rs. 3,191 thousand (2009 : Rs. Nil). iv) Executive Share Option Scheme (closed) The Executive Share Option Scheme is an intrinsic part of the Group's executive directors' and senior managers' total remuneration. An EPS performance criterion needs to be met before the options can be exercised. Executive share options are exercisable after the third, but before the tenth anniversary of the date of grant with any benefit payable in cash. The exercise price is based on the share price at the date of grant and options can normally only be exercised if a performance condition is satisfied. The options granted do not confer any right to participate in any share issue of any other company. Movements in the number of share options held by the Bank's employees are as follows:
Weighted average exercise price Number ('000) per share 2010 Weighted average exercise price Number ('000) per share 2009
At 1 January Granted during the year Exercised during the year Lapsed during the year At 31 December
2010 Range of exercise price Weighted average exercise price No. of options -
1 (1) -
1 1
8.19 8.19
Weighted average remaining life Weighted Contractual average Expected years exercise price years 5 -
7.89
The intrinsic value of vested Executive Share Option Scheme cash-settled awards as at 31 December 2010 was Rs. nil (2009: Rs. 946 thousand). v) Performance Share Plan The Performance Share Plan is designed as an intrinsic part of total remuneration for the Group's executive directors and for a small number of the Group's most senior executives. The awards granted under this scheme are nil cost options. Certain performance criteria need to be met before the options can be exercised. The option granted do not confer any right to participate in any share issue of any other company.
www.standardchartered.com.pk Annual Report 2010 117
Movements in the number of share options held by the Bank's employees are as follows:
2010 Number ('000) 2009 Number ('000)
At 1 January Granted during the year Exercised during the year Lapsed during the year Adjustment due to right issue At 31 December
2010 Range of exercise price Weighted average exercise price No. of options 73
85 10 (21) (4) 3 73
2009 No. of options 85
61 27 (3) 85
Weighted average remaining life Weighted Expected Contractual average years years exercise price 7.76 -
N/A
The intrinsic value of vested Performance Share Plan cash-settled awards as at 31 December 2010 was Rs. 14,978 thousand (2009: Rs. 31,169 thousand). vi) The total expense recognised in respect of above schemes on equity settled basis amounts to Rs. 47.733 million (2009: Rs.109.559 million) and is included in managerial remuneration. As also explained in note 2.7.1 in detail, the Bank's liability towards its parent, however continues to be determined and recorded on cash settled basis. 35. COMPENSATION OF CHIEF EXECUTIVE AND EXECUTIVES Chief Executive Directors Executives
2010
Director's remuneration / fees Managerial remuneration Contribution to defined contribution plan Rent and house maintenance Utilities Medical Others Number of persons 35.1 35.2 35.1 35.3
2009
2010
2009
2010
2009
----------------------------------- (Rupees in '000) -----------------------------------3,355 3,225 264,439 3,214 7,013 1,753 1,097 277,516 2 96,763 2,986 6,515 1,631 916 108,811 1 3,355 3 3,225 3 1,700,660 153,530 342,019 87,664 8,518 80,936 2,373,327 822 1,644,310 129,167 30,205 9,313 6,723 48,559 1,868,277 664
The director's remuneration / fees represents remuneration paid to the Bank's 3 non-executive directors (2009: 3) for attending Board and SubCommittee meetings. The Chief Executive is entitled to Bank provided free use of furnished accommodation. The Chief Executive and some of the executives are also provided with Bank maintained cars. In addition, the Chief Executive and some of the executives are also reimbursed for cost of medical expenses and other benefits like club subscription, education etc. Managerial remuneration also includes charge against share compensation plans. FAIR VALUE OF FINANCIAL INSTRUMENTS Except for investment in unlisted companies, fixed term advances of over one year, staff loans and fixed term deposits of over one year, the fair value of on balance sheet financial assets and liabilities are not significantly different from their book value as these assets and liabilities are either short term in nature or are frequently re-priced. The fair value of fixed term advances of over one year, staff loans, fixed term deposits of over one year and investment in equity of unlisted companies cannot be calculated with sufficient reliability due to non-availability of relevant active market for similar assets and liabilities. The fair value of investment classified as held to maturity amounted to Rs. 331.247 million (2009: Rs. 211.264 million).
35.3 36.
www.standardchartered.com.pk
* **
84,704 459,211 543,915 73,332 309,752 383,084 289,176,218 57,450,778 346,626,996 13,154,634 9,426,756 22,581,390 11,138,025 7,853,690 18,991,715 108,584,859 166,612,472 275,197,331 1.31% 5.08% 1.88% 6.34% 3.51% 4.53%
115,238 533,299 648,537 101,628 407,260 508,888 277,452,029 57,565,724 335,017,753 13,212,997 8,790,709 22,003,706 10,299,285 6,872,582 17,171,867 112,885,714 156,024,099 268,909,813 0.55% 0.07% 0.48% 6.43% 3.86% 4.83%
** Segment cost of funds have been computed based on the average balances. The management reviews the performance of Corporate and Institutional Banking and Global Markets as one business segment, namely Wholesale Banking. Therefore the business activities of the group have been presented in two segments, Wholesale and Consumer Banking. Wholesale Banking Deposits, trade and other lending activities (including murahaba and ijarah) for corporates and financial institutions. It also includes the overall management of treasury of the Bank, which entails various cash and interest risk management products for customers. The products include FX forwards, FX options and interest rate swaps. Consumer Banking Wealth management, deposits, mortgages, auto finance, unsecured lending (credit cards, personal loans etc.), consumer leases and SME lending (including SME trade).
www.standardchartered.com.pk Annual Report 2010 119
2010 2009 -------- (Rupees in '000) --------758,120 1,633,622 93,610 23,964,247 12,890 4,867,708 19,059 128,720 23,327 885,244 1,004,935 563 117,187 42,834 50,921 885 18,915 231 831 2,179,389 36,075 334,559 17,121,847 16,056 10,614,728 32,230 132,884 6,773 794,789 896,575 130,470 21,469 26,613 17,740 111,047 29,209 12,518
811 69,133 88 773 3,764,765 539,504 (17,904) 48,539 5,585 1,430 86 498,809 15,259 162,176 266,637 994 3,482 120,992 3,355 (17,292)
5,239 129,198 36,760 72 3,477,215 673,974 1,237,225 76,724 2,682 1,163 314,446 14,204 238,700 131,350 (2,620) 11,226 315,994 3,225 21,512
---------------------- (Rupees in '000) ------------------------Loans and advances Key Management Personnel Deposits Group companies Key Management Personnel Others 39 39.1 CAPITAL ASSESSMENT AND ADEQUACY Capital Structure The Bank's lead regulator, State Bank of Pakistan (SBP) sets and monitors capital requirements for the Bank as a whole. Effective 31 December 2008, SBP has advised all banks to calculate their capital requirements based on Basel II accord under the standardised approach. The transition to the 'Advanced Approaches' of Basel II has been made discretionary for banks, and is subject to prior written approval from SBP. In implementing the current capital requirements, SBP requires the Bank to maintain a prescribed total capital to total risk-weighted assets ratio. As at the year end, SBP's minimum prescribed capital adequacy ratio is 10 percent. The Bank's ratio is compliant with this minimum benchmark. The Banks regulatory capital is analysed into three tiers: Tier I capital, which includes ordinary share capital, capital and other reserves (except exchange translation reserve), minority interest, and unappropriated profit. Goodwill and other intangibles are deducted from tier I capital. Tier II capital includes sub-ordinated debt, revaluation reserves on assets and impairment allowances that are not held against identified debts. Sub-ordinated debt is limited to 50 percent of tier I capital. Information on the terms, conditions and other features of the Bank's sub-ordinated debt currently in issue is given in note 16 to these financial statements. Revaluation reserves are eligible upto 45 percent for treatment as tier II capital. There is also a restriction on the amount of impairment allowances that are not held against identified debts upto 1.25 percent of total risk weighted assets. Tier III supplementary capital consists of short term sub-ordinated debt solely for the purpose of meeting a proportion of the capital requirements for market risk. The Bank currently does not have any tier III capital. Total of tier II and III capital is limited to tier I capital. 50 percent of the amount of investments in subsidiaries and associates not consolidated on the balance sheet is deducted from both tier I and tier II capital. 2010 2009 -------- (Rupees in '000) --------38,715,850 38,715,850 1,036,090 1,036,090 1,749,139 1,016,257 6,838,790 4,049,209 787,227 772,504 (26,681,948) 22,445,148 (27,026,172) 18,563,738
Annual Report 2010 121
Tier I Capital Fully paid-up capital Balance in share premium account General reserves as disclosed on the balance sheet Un-appropriated profit Minority in equity of subsidiaries Less: Book value of goodwill and other intangibles Shortfall in provision required against classified assets Deficit on account of revaluation of investments held in AFS category Other deductions (50 percent of investments in equity and other regulatory capital of majority owned securities or other financial subsidiaries not consolidated in the balance sheet) Total Tier I Capital------------>
www.standardchartered.com.pk
Tier II Capital Sub-ordinated debt - upto maximum of 50 percent of 'Total eligible Tier I capital' General provisions or general reserves for loan losses - upto maximum of 1.25 percent of 'Risk Weighted Assets' Revaluation reserves (upto 45 percent) Less: Other deductions (50 percent of investments in equity and other regulatory capital of majority owned securities or other financial subsidiaries not consolidated in the balance sheet) Total Tier II Capital------------> Total Regulatory Capital Base
39.2 Capital Adequacy
2,261,319 24,706,467
3,299,867 21,863,605
The Banks capital management approach is driven by its desire to maintain a strong capital base to support the development of its business, to meet regulatory capital requirements at all times and to maintain good credit ratings, maximising shareholder value and at the same time maintaining investor, creditor and market confidence. The capital position is reviewed and monitored by the Asset and Liability Committee (ALCO) of the Bank. Regular reviews help to ensure that adequate levels of capital and an optimum mix of the different components of capital are maintained by the Bank to support the strategy. This is integrated with the Banks annual planning process that takes into consideration business growth assumptions across products and business segments and the related impact on capital resources. The following matters are taken into account while reviewing the Bank's capital position: a) regulatory capital requirements; b) forecast demand for capital to maintain the credit ratings; c) increases in demand for capital due to business growth, market shocks or stresses; d) available supply of capital and capital raising options; e) internal controls and governance for managing the Banks risk, performance and capital; and f) maximisation of shareholder value.
The Bank is also in the process of developing and documenting its three year capital plan as part of its Internal Capital Adequacy Assessment Process (ICAAP) for Basel II, which will also be submitted to SBP. The ICAAP lays down each material risk to be assessed, the relevant mitigants to be considered, and appropriate level of capital required. This process aims to ensure that a strong governance culture and framework is embedded in the capital planning and assessment methodology and is frequently revisited. The Bank adheres to the calculation of capital requirements for credit, market and operational risk as per the guidelines of SBP, for Basel II. For credit risk, the Bank uses the 'Standardized Approach'. The Bank uses reputable and SBP approved rating agencies (ECAIs) for deriving risk weights for specific credit exposures. These are consistently applied across the Bank's credit portfolio for both on and off balance sheet exposures. The ECAIs used for rating various types of exposures are tabled in note 39.3 to these financial statements. For the purposes of Credit Risk Mitigation under the 'Standardised Approach', the Bank follows the instructions laid down by SBP vide their Circular No. 08 dated 27 June 2006 with regard to eligibility of collaterals, valuation and management. Where a transaction is secured by an eligible collateral and meets the eligibility criteria and minimum requirements as laid down by SBP, the Bank reduces its exposure under that particular transaction by taking into account the risk mitigating effect of the collateral for the calculation of capital requirement. The Bank calculates its capital requirement for market risk in its portfolio, based on the methodology provided by SBP which takes account of specific and general market risk capital charge for interest rate risk using the duration method. For calculation of operational risk capital charge, the business activities of the Bank are divided into eight business lines: corporate finance, trading and sales, retail banking, commercial banking, payments and settlement, agency services, asset management and retail brokerage. The Bank's operations are mapped into these eight business lines as per the criteria laid down by SBP vide Circular No 08 dated 27 June 2006. Within each business line, gross income is the broad indicator that serves as a proxy for the scale of business operations and thus the likely scale of operational risk exposure within each of these business lines. The capital charge for each business line is calculated by multiplying gross income by beta factors assigned by SBP to that business line. Beta serves as a proxy for the industry-wide relationship between the operational risk loss experience for a given business line and the aggregate level of gross income for that business line. The total capital charge is calculated as the three-year average of the simple summation of the regulatory capital charges across each of the business lines in each year. The 'Standardised Approach' is preferred over the 'Basic Indicator Approach' so as to arrive at a capital charge that is reflective of the risks associated with each of the Bank's business lines. The Bank's approach for mitigating operational risk is further detailed in note 40.8 to these financial statements.
www.standardchartered.com.pk
2009
Net amount
4,506,929 4,483,024 1,632,997 8,719,197 3,116,233 14,508,050 746,352 494,640 849,572 19,083 89,084,687
Rating Category
0% 20% 50% 100% 150% 0% 20% 50% 100% 150% 0% 20% 50% 100% 150% 50% upto 150%
Deduction CRM
8,495,639 2,826,557 (2,906,399) 18,319,473 14,508,050 (164,880) 86,219,814 3,398,287 43,021,393
Amount outstanding
12,244,135 4,256,360 1,965,897 112,673 22,789,759 18,882,308 406,992 142,043 93,855,056 3,462,838 31,873 128,413,324
Deduction CRM
8,659,506 1,633,649 (56,336) 19,478,871 9,441,154 (71,022) 93,855,056 2,770,271 (15,936) 42,137,052
Net amount
3,584,629 2,622,711 1,965,897 169,009 3,310,888 9,441,154 406,992 213,065 692,567 47,809 86,276,272 27,540,501 136,271,494
Banks
Sovereigns etc.
All other exposures 26,533,828 6,677,177 19,856,651 34,506,905 6,966,404 Total 328,412,526 180,395,111 148,017,415 321,070,163 184,798,669 CRM= Credit Risk Mitigation * Amount outstanding represents Original Exposure in the case of On-Balance Sheet items and the Credit equivalent exposure in the case of Off-balance sheet items. 39.3 Types of exposures and ECAI's used Corporate JCR - VIS PACRA STANDARD AND POORS MOODY'S FITCH Banks Sovereigns
The Bank adheres to the mapping instructions issued by SBP on the Revised Regulatory Capital Framework under Basel II, issued vide BSD Circular No. 8 of 2006 dated 27 June 2006, vide BSD Circular Letter No. 09 of 2007 dated 24 August 2007, vide BSD Letter No. BSD/BAI-2/201/1141/2009 dated 2 December 2009 and vide BSD Circular No. 5 of 2010 dated 5 October 2010 with regard to credit ratings to be used. These are as follows:
www.standardchartered.com.pk
Risk Weightage
20%
Fitch Ratings
AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCCC C D
PACRA
AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCCC C D
JCR VIS
AAA AA+ AA AAA+ A ABBB+ BBB BBBBB+ BB BBB+ B BCCC+ CCC CCCCC C D
Risk Weightage
20% 50% 100% 150%
Fitch Ratings
F1+ F1 F2 F3 B C D
PACRA
A-1 A-2 A-3 Others
JCR VIS
A-1 A-2 A-3 Others
40.
RISK MANAGEMENT Through its risk management structure, the Bank seeks to manage efficiently the core risks: credit, market, country, and liquidity risk. These arise directly through the Banks commercial activities whilst compliance and regulatory risk, operational risk and reputational risks are normal consequences of any business undertaking. The basic principles of risk management followed by the bank include: Balancing risk and reward Risk is taken in support of the requirements of the Banks stakeholders. Risk should be taken in support of the Bank's strategy and within its risk appetite. Responsibility Given the Bank is in the business of taking risk, it is everyones responsibility to ensure that risk taking is both disciplined and focused. The Bank takes account of its social, environmental and ethical responsibilities in taking risk to produce a return. Accountability Risk is taken only within agreed authorities and where there is appropriate infrastructure and resource. All risk taking must be transparent, controlled and reported. Anticipation The Bank looks to anticipate future risks and to maximise awareness of all risk. Competition We seek competitive advantage through efficient and effective risk management and control. Risk management The Bank aims to implement best practices and have a specialist risk function of international standards, with strength in depth, experience across risk types and economic scenarios. Ultimate responsibility for the effective management of risk rests with the Companys Board of Directors. Acting within an authority delegated by the Board, the Executive Committee reviews specific risk areas and monitors the activities of the Risk Committee (RC) and the Asset and Liability Committee (ALCO). RC headed by Chief Risk Officer (CRO), through authority delegated by the Board, is responsible for credit risk, market risk, operational risk, compliance risk and regulatory risk, legal risk and reputational risk. ALCO, through authority delegated by the Board, is responsible for liquidity risk, for structural interest rate and foreign exchange exposures, and for capital ratios.
www.standardchartered.com.pk
www.standardchartered.com.pk
7.69 3,118,225 2.29 139,164 19.26 984,202 0.59 8,408,199 0.03 1,203,223 3.70 5,112,133 5.28 22,824 1.84 19,205 1.78 932,293 1.42 2,640,009 0.40 1,477,200 1.70 2,846,214 18.90 7,074,002 0.76 106,750 13.57 134,395,094 20.79 51,709,151 100.00 220,187,888
2009 Advances - Gross (Rupees in '000) Chemical and pharmaceuticals Agri business Textile Communication Insurance Telecommunications and information technology Cement Sugar Automobile and transportation equipment Transportation Financial Electronics and electrical appliances Production and transmission of energy Shoes and leather garments Individuals Others 8,454,261 2,379,457 23,230,696 2,026,224 70,705 4,851,011 6,016,469 2,617,261 2,071,541 2,255,744 5,678,490 4,045,451 23,864,633 799,182 29,481,595 28,789,301 146,632,021 Percent Deposits (Rupees in '000) Percent 3.20 0.05 0.44 3.19 0.78 2.45 0.00 0.02 0.47 1.49 1.38 2.29 4.29 0.02 57.33 22.60 100.00 Contingencies and Commitments (Rupees Percent in '000) 4,945,654 1,591,874 618,457 5,031,744 451,509 74,917 2,457,378 238,463 45,031 4,747,693 14,014,260 11,972 500 33,209,433 67,438,885 7.33 2.36 0.92 7.46 0.67 0.11 3.64 0.35 0.07 7.04 20.78 0.02 0.00 49.25 100.00
5.77 6,625,432 1.62 103,348 15.84 909,248 1.38 6,591,327 0.05 1,608,955 3.31 5,063,616 4.10 6,577 1.78 33,500 1.41 969,530 1.54 3,082,640 3.87 2,846,935 2.76 4,731,243 16.28 8,867,324 0.55 33,896 20.11 118,671,424 19.63 46,770,830 100.00 206,915,825
www.standardchartered.com.pk
2010 Classified Advances Specific Provision held 109,936 9,300 6,595,554 9,457 402,277 190,452 3,441,120 7,566,023 18,324,119
Chemical and pharmaceuticals Agri business Textile Footwear and leather garments Automobile and transportation equipment Financial Production and transmission of energy Individuals Others
210,807 178,016 1,800 1,800 6,972,786 6,397,849 21,206 9,048 866,701 570,737 41 41 550,431 285,592 3,622,804 2,046,036 9,757,130 6,375,738 22,003,706 15,864,857
2010 40.1.5 Segment by sector Advances (Rupees in '000) Public / Government Private 26,829,322 136,883,950 163,713,272 % Deposits (Rupees in '000) % Contingencies and Commitments (Rupees % in '000) 2.31% 97.69% 100%
40.1.6
Details of non-performing advances and specific provisions by sector 2010 Classified Advances Specific Provision held 18,324,119 18,324,119 2009 Classified Advances Specific Provision held
22,581,390 22,581,390
2010
Profit before taxation Total assets employed Net Assets employed Contingencies and Commitments
Pakistan
52,100,069 52,100,069
62,687,899 62,687,899
2009 Profit before taxation Pakistan Total assets employed Net Assets Contingencies employed and Commitments 48,670,311 67,438,885 48,670,311 67,438,885
www.standardchartered.com.pk
Pakistan rupee United States dollar Great Britain pound Euro Swiss Franc Others
237,709,635 212,563,732 37,812,440 52,163,503 4,075,795 4,038,016 5,512,661 5,988,864 19,474 19,331 370,502 21,945 285,500,507 274,795,391
2009 Assets Liabilities Off-balance sheet items Net foreign currency exposure
Pakistan rupee United States dollar Great Britain pound Euro Swiss Franc Others
230,655,456 200,800,365 35,193,830 55,701,425 4,130,602 4,116,567 4,944,431 5,599,065 18,163 17,134 37,430 50,921 274,979,912 266,285,477
21,292,962 51,148,053 (18,573,036) (39,080,631) (412,779) (398,744) (1,480,749) (2,135,383) (24,383) (23,354) (802,015) (815,506) 8,694,435
40.3.1 Currency risk is the risk that the value of a financial instrument will fluctuate due to changes in foreign exchange rates. 40.3.2 The management sets limits on the level of exposure by currency in total, for both overnight and intra day positions which are monitored daily.
www.standardchartered.com.pk
2010 Exposed to yeid / interest rate risk Over one Over two Over three year to years to years to two years three years five years Over five years to ten years Over ten years Non interest bearing financial instruments
Total
Over three Over six months to months to six months one year
-----------------------------------------------------------------------(Rupees in '000)------------------------------------------------------------------------
0.00%
24,087,885 921,931
6,827,499 -
1,761,835 1,761,835
4.50% 30,421,885 20,610,409 11.34% 72,294,275 37,661,852 13.99% 144,721,557 68,531,868 13,052,974 285,500,507 133,631,628 0.00% 5,691,864 7.04% 15,914,343 792,459 6.62% 220,187,888 107,232,257 12.92% 1,135,900 237,500 31,865,396 274,795,391 108,262,216 10,705,116 25,369,412
17,310,484 17,310,484
22,040,652 22,040,652
13,815,128 13,815,128
16,243,785 16,243,785
Forward Borrowing Interest Rate Swap Foreign Currency Option Forward Foreign Exchange Contracts Off-balance sheet gap Total yield / interest risk sensitivity gap Cumulative yield / interest risk sensitivity gap
(1,422,441) 10,420,961
1,761,835 (88,201,527)
Total
Exposed to yeid / interest rate risk Over one Over two Over three year to years to years to two years three years five years
-----------------------------------------------------------------------(Rupees in '000)------------------------------------------------------------------------
0.26% 0.00%
21,521,592 2,305,891
5,576,905 -
882,651 882,651
3.10% 20,568,064 18,754,658 12.18% 83,263,661 23,977,468 14.27% 129,460,154 65,007,003 17,860,550 274,979,912 113,316,033 4,844,638 8.15% 15,847,326 6,650,197 6.99% 206,915,825 103,527,988 13.91% 1,523,000 149,600 37,154,688 266,285,477 110,327,785 8,694,435 2,988,248
92,422,042 540,000 3,931,538 1,468,199 25,547,285 14,715,277 121,900,865 16,723,476 (19,281,412) 5,494,914 (10,586,977) 8,483,162
27,128,177 48,552,213 10,530,200 27,128,177 48,552,213 10,530,200 (24,991,737) (22,539,957) 5,002,200 (23,392,502) (19,988,420) 71,619,448 51,631,028 7,158,157 58,789,185
www.standardchartered.com.pk
www.standardchartered.com.pk
24,087,885 921,931 30,421,885 72,294,275 144,721,557 18,132,579 6,606,225 26,681,948 3,429,115 327,297,400
Liabilities Bills payable Borrowings Deposits and other accounts Sub-ordinated loan - TFCs Other liabilities Net assets Share capital Reserves Unappropriated profit Surplus / (deficit) on revaluation of assets Minority interest
5,691,864 15,914,343 220,187,888 1,135,900 32,267,336 275,197,331 52,100,069 38,715,850 2,785,229 6,838,790 2,972,973 787,227 52,100,069
31,187,249
2009 Total Assets Cash and balances with treasury bank Balances with other banks Lendings to financial institutions Investments Advances Other assets Operating fixed assets Intangible assets Deferred tax assets Liabilities Bills payable Borrowings Deposits and other accounts Sub-ordinated loan - TFCs Other liabilities Net assets Share capital Reserves Unappropriated profit Surplus / (deficit) on revaluation of assets Minority interest Over one Over three Over six Over one Over two Over three Over five Over ten month to months to months to year to years to years to years to years three months six months one year two years three years five years ten years ----------------------------------------------------------------(Rupees in '000)---------------------------------------------------------------------21,521,592 2,305,891 18,754,658 23,319,544 58,929,959 10,406,223 28,225 31,032 135,297,124 4,844,638 6,691,799 172,771,216 149,600 6,449,868 190,907,121 (55,609,998) 1,813,406 28,145,975 13,343,421 7,360,303 56,442 61,722 50,781,269 6,047,330 15,814,358 18,861,193 40,722,881 10,058,388 10,365,557 8,046,769 402,076 84,660 92,583 18,991,645 2,556,160 5,468,358 872,688 8,897,206 10,094,439 10,039,712 6,583,706 1,460,298 169,319 185,166 18,438,201 28,102 10,616,674 237,500 2,987,089 13,869,365 4,568,836 3,819,146 10,933,736 270,571 338,211 255,977 15,617,641 350,872 1,536,836 436,700 283,742 2,608,150 13,009,491 1,714,304 10,413,161 394,735 337,709 125,876 12,985,785 158,527 704,051 449,200 4,619,741 5,931,519 7,054,266 3,581,033 11,059,828 1,524,202 742,310 100,918 4,229,453 21,237,744 7,870 4,332 250,000 5,361,009 5,623,211 15,614,533 2,278,390 10,149,574 382,814 1,379,539 26,172,898 40,363,215 6,666 343,693 350,359 40,012,856 3,867,500 3,867,500 3,867,500 Upto one month
21,521,592 2,305,891 20,568,064 83,263,661 129,460,154 22,201,222 7,003,915 27,026,172 4,229,453 317,580,124 4,844,638 15,847,326 206,915,825 1,523,000 39,779,024 268,909,813 48,670,311 38,715,850 2,052,347 4,049,209 3,080,401 772,504 48,670,311
www.standardchartered.com.pk
Note
2010 2009 -------- (Rupees in '000) --------113,723 557,362 3,624,892 87,391 524,863 1,800,000 1,254,219 5,086,874 133,119 55,375 1,190,530 10,132,371 3,099,484 1,719,601 3,181,834 198,160 114,300 816,811 9,130,190 1,002,181
41.3
1,758,147 7,552,373 28,196 211,224 582,735 14,428,652 5,381,984 2,222,316 3,440,267 417,692 805,000 444,835 12,712,094 1,716,558
www.standardchartered.com.pk
Charity fund Opening balance Additions during the year Payments / utilization during the year Closing balance 41.2 Profit and Loss Profit / return earned on financings, investments and placements Return on deposits and others dues expensed Net spread earned Provision against non performing financing Net spread after provisions Other income Fees, commission and brokerage income Other income Total other income Other expenses Administrative expenses Profit before taxation 41.3 42.
The Bank is in the process to fully comply with documentation requirements of IFAS 1 in respect of Murabaha transactions. DATE OF AUTHORIZATION These financial statements were authorized for issue in the Board of Directors meeting held on 03 March 2011.
www.standardchartered.com.pk
3,996,804 1 Al-Noor Traders Alam Sher Market, St reet No. 5, Ana r-Kali Bazaar, Faisalabad. 47 - Gosha-I-Ahbab, Phase III, Peco / Multan Road, Lahore. Muhammad Anwer / House No. 49, Road No. 103, Mohallah Madina Town. Block Z, Faisalabad. / CNIC 33100-7904250-5. Mr. Farasat Yasin / House No. 45. Awan Town, Gosha-I-Ahbab, Phase III, Peco Road, Link Multan Road, Laho re / CNIC 352028273747-5 Habib-ul-Rehman 31,245,133 Mian Muhammad Yasin
1,712,586 7,521,002 -
5,709,390
946,804
2,189,029 -
3,135,833
38,766,135
12,995,233
12,835,017 -
25,830,250
FY Corporation
103,270,525
51,189,837 -
154,460,362
11,180,525
58,681,237 -
69,861,762
(1) Mr. Sher Asfandyar Khan R/o (Cur rent): 1) S/o Jahangir Khan Syasi Boat View, House # 36, Clifton Karachi. (Permanent): House # 59, St reet# 2, Sector E/7, Islamabad. CNIC # 423017437453-1 2) W/o Sher Asfandyar Khan (2) Mrs. Naheed Asfand, R/o (Cur rent): Syasi Boat View, House # 36, Clifton Karachi. (Permanent): House # 59, St reet# 2, Sector E/7, Islamabad. CNIC# 42301-0246760-2 3) D/o Tariq Jameel (3) Mahvish Tariq, R/o House# C46,Darakhshan Vilaz Phase VI, DHA, Karachi.CNIC# 42301-1534168-2 QAMAR ZAMAN KHAN 42301-1080022-5 FARHANA QAMAR 42301-0970890-4 USMAN ZAMAN KHAN 42301-1114944-7 SALMAN ZAMAN KHAN 42301-1080023-7 SULTAN ZAMAN KHAN
11,841,587
5,646,120
108,763
17,596,470
6,100,736
5,646,120 108,763
11,855,619
QAMAR ZAMAN KHAN 1,590,194 SULTAN ZAMAN KHAN 903,200 2,493,394 1,090,195 903,200 1,993,395
QAMAR ZAMAN KHAN 42301-1080022-5 FARHANA QAMAR 42301-0970890-4 USMAN ZAMAN KHAN 42301-1114944-7 SALMAN ZAMAN KHAN 42301-1080023-7
QAMAR ZAMAN KHAN 609,327 SHABBIR HUSSAIN MR. SYED MUHAMMAD SHAKIR SHAH 390,308 193,585 25,434 1,266,456 1,266,456 390,308 193,585 25,434 719,025 719,025 609,327
6 7
HOUSE # 657 MUHALLAH PLOT # 38 LIAQUAT COLONY HYDERABAD 12-M BLOCK 6 P.E.C.H.S. KARACHI
SKAKIR HUSSAIN - 41303-3791238-3 SYED MUHAMMAD ADIL SHAH 42301-1069835-5 AFRINA ADIL 42301-3125949-0 IJLAL RAZI 42201-2708622-7
MR. ATHER MAHMOOD MOAZZAM BILAL 42201-8536638-1 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 ASAD SYED REZA SYED ALI RAZA SAFVI ABDULL AZIZ SYED ADIL HUSSAIN ABDUL MAJEED CHOUDHARY SYED HASSAN I LYAS FAISAL NASIR ASIM SHAFIQUE KAMRAN KHAN SYED MUHAMMAD IR FAN QADRI RIZWAN AHMED SYED ALI MAZHAR NAQVI MIAN RIZ WAN AHMAD MUNAWAR KHAN BABER ALI ZAHID HUSSAIN DAR MARIA ZULFIQAR KHAN MUHAMMAD SHOAIB KAMAL M ADEEL QADIR ANJUM SHAHZAD MUHAMMAD SALEEM SHAHID HUSSAIN MUHAMMAD FARHAN KHAN TANVEER TAHIR WASEEM KHAN 160, BANGLORE TOWN K & N CENTER SHAHRAH-EFAISAL HOUSE NO 1 AGHA BAGH THEE LANDHI MALIR CITY KOHI G GHULAM MUHAMMAD BUILDING, OKH AY MEMON, STREET# 05, 23 K, BLOCK 2, P.E.C.H.S., HOUSE # NE-461 , MOHALA DHEWKILAHI BUKSH UMER ROAD 391-Y LCCHS LAHORE CANTT H# 290 MOHALA SABZAZAR SCHEME MU LTAN ROAD BLOCK-E ALLAMA IQBAL TOWN FLAT NO 15 2ND FLOOR JAMAL PLAZA F 10 MARKAZ ISD FLAT NO C-6 RUFI PARADISE BLOCK 18 GULISHTAN E JOHAR HOUSE NO-82 H/A S ATTELITE TOWN RWP HOUSE #22/23, R AVI PARK QILA LACHMAN SINGH LHR H NO-67-68, RAJPUT TOWN NEAR E.M.E COLONY LHR. HOUSE # N-3701 BLOCK I METROVILLE III GULSHAN-EIQ H NO 36 ST NO 29 ABDUL KARIM ROAD QILA GUJAR SINGH HOUSE NO. G203,, CHUSHTIA COLONY NEAR MOHAMMADI MO H# 6-A, ST # 86, G-6/3, ISB. B-107, FORTE SULTAN OPP, AIRPO RT TELEPHONE EXCHA 9150901460121 4250116137379 4230177909055 4220162136781 3740596971669 27063352072 3520205666357 3520258128945 1720196974821 4220103786233 3740567356287 3520228249171 3110151844425 1220186825013 NA NA 6110191457058 4250183817051 MR. RIAZ-UD-DIN BILAL SYED HUZUR N AWAB SYED AGHA SHUJA SAFVI KABIR AHMED SYED MUKH TAR ALI SHAH MUHAMMAD SADIQ SYED I LYAS ALI NA SHAFIQUE UR REHMAN SHEIKH M AKRAM KHAN SYED AHSAN UL HAQ QADRI SH IFTIKHAR AHMED SYED MAZHAR HUSSAIN NAQVI MIAN SAKHI MUHAMMAD NA NA NA NA NA NA GHULAM SA RWAR NAZIR MUHAMMAD JAN MUHAMMAD SOOMRO MUHAMMAD QASIM KHAN ABDUL JABAR ATTA MOHAMMAD KHAN 709,404 678,704 680,646 680,646 564,404 532,179 561,490 509,130 640,345 508,227 696,506 533,014 554,527 530,724 488,000 501,927 522,339 554,360 621,739 572,445 630,954 599,901 482,684 568,703 10,493 13,882 14,180 9,020 32,110 31,567 11,882 12,179 28,660 11,206 10,848 8,919 8,102 3,759 678,704 694,528 694,826 573,424 593,057 505,890 (3,240) 640,345 508,227 672,000 (24,506) 544,896 566,706 559,384 499,206 501,927 533,187 563,279 621,739 BHAWAL GHARBI P.O. KHAS TEHSIL & DISTT SARA ALAMGI H# 3.S.16 GALI #6, BLOCK#21, SARGODHA C -1/2 ALLIANCE ARCADE BLOCK -15 GULISTAN E JOUHAR H # K-V-45/21, MIRA PIR LINE, ST # 2, NEAR PATHAN L-3012 METROWELL III SCHEME 33 GULZAR-E-HIJARI BLO HOUSE # F-14, GULFISHAN SOCIET Y, AZEEM PURA, MALIR 3420310635957 3840364821461 4330166134625 4240118223913 4250129307193 4250154776887 571,542 (903) 639,056 599,901 482,684 572,462 555,827 501,083 555,827 561,895 501,083 662,068 561,895 602,927 662,068 566,781 602,927 552,857 566,781 555,295 552,857 520,157 555,295 515,260 520,157 549,108 515,260 584,122 549,108 561,888 584,122 632,211 561,888 535,180 632,211 572,844 535,180 509,221 572,844 561,490 50,762 509,221 564,289 532,179 60,652 612,252 513,282 1,027,438 7,392 87,481 1,114,919 592,831 680,646 80,207 520,674 601,575 59,084 760,853 596,150 45,078 660,659 719,897 690,977 9,669 641,228 700,646
HOUSE# 107/B VII OLD CIVIL LINE NEAR THANA FATEH S 3650275708769
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
702,933 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 FAISAL YOUNUS MOHAMMAD NAZIM ABDUL RASHEED MOHAMMAD KAMRAN SAEED AHMED ALMANSOO RY MOHAMMAD ISRAR KHAN JAHANZAIB SIDDIQUI ASRAR KHAN SHAHZAD AZIZ AHMED KHAN SYED AKMAL ALI SHAH NAQVI RAZA ABBAS NOOR MUHAMMAD KHURRAM SHEIKH JAHANGIR I LYAS RANA BABAR IQBAL NOOR WALI MUHAMMAD SHAHBAZ MUHAMMAD AN WAR NISAR AHMAD SHAIKH SAJJAD SALEEM MUGHAL MUHAMMAD QASIM BUTT SAJID MAERAJ M/S MADNI COMMUNIC ATION ALI INDUSTRIES SONO SHOES TARIQ ISMAIL KHALID N CHEEMA MOHAMMAD ALI MUHAMMAD MUBASHIR MOHAMMAD SAFDAR KIRAN SAIF ISHTIAQUE HUSSAIN ASMA ARSALAN MUHAMMAD MUJAHID IMTIAZ AHMED AYAZ ELAHI MUJEEB UR REHMAN MUHAMMAD IQBAL M KASHIF N AWAZ SAIFULLAH KHAN B A ZAFAR AURORA HUSSAIN SABRI IRSHAD AHMED MUHAMMAD ASKARI NAEEM SADIQ M FAREED KHAN AFTAB UD DIN MUHAMMAD AKRAM DANIYAL B ALI 70/1 5TH STREET OFF KH AYABAN-E-B PHASE-VI DEFENCE HOUSE NO 375/B SARFRAZ RAFIQUE ROAD LAHORE CANTT HOUSE NO M/6 AVER SHINE SQUARE BLOCK 10 , GULSHAN NEW LEATHER GOLD 108-B NEW LE ATH ER GOLD PANROMA C LASER HAIR TRANSPLANT 4-A, AL SH EIKH PLAZA, 1ST F H NO.116,,, EDEN AVENUE EX T.. AIRPO RT RD LAHORE.. A-144 BLOCK 13-C GULSHAN E IQBAL H NO 1836/A, BLOCK # 1, M ATROVEL 3, NEW BAO JEE RESTURANT 32 HAIDER ROAD, SADDAR FLAT NO.A 306 ,3rd FLR , AL HABIB AP PARTMENTS, BLO 96/1 24TH STREET KH AYABAN-E-MUHAFIZ PHASE 6 D.H.A SHABIS TAN MOTORS/SHABIS TAN CINEMA FRONT FACE COMMI H NO 61 G 2 WAPDA TOWN KIRAN CLINIC NAWAZ BAKERS & GENERAL STORE 25- A GILLANI MARKET S.K.CORPOR ATION 22-C SOUTH PARK AVENUE PHASE II EX SALON DON ATO SHOP-2 BLDG #-C-15- C KH AYABAN E SEHAR CASH DE PARTEMEN TAL STORE. SHOP N O 4,5,6 BLOCK A. R 1282 BLOCK 17 F B AREA HOUSE # SU-75 BRIGADIAR HOUSE ASKARI IV RASHID MIN H NO P 158 ST NO 06 DHOBI GH AT FAREED TRADERS FAREED TRADERS SH OP NO-4 MASJID E H NO 100/5 WARSEE ES TATE SAINT JOHN PARK FAST LINKS RAH AT ESTATE RAHAT MKTAZIZ BH ATTI RD L M/S DS SOURCING (PVT) LTD 18-A N ISAR ROAD NEAR PO FLATE # D-10, KDA AP PARTMENTS BLOCK A, NORTH NAZIM H# 313, USMANIA SOCIETY GROUND FLOOR NAZIMABAD # 1 SERVEY # 1502, RFDP PIPRI CHOWK GULSHAN AL HADEED F# C-36, MADIHA HEIGHTS SECTOR 5-1, NORTH KARACHI HOUSE # 27/5, AREA-B-1, LIAQUATABAD, 2- ARTILLE RY ROAD, R.A. BAZAR, PESH AWAR CANT T, H # 110/1, ST # 26 PHASE V, DHA B-510 SECTOR 35-A ZAMAN TOWN KORANGI NO. 4 HOUSE NO-1 , S T-24 MOHALLAH DAR UL SHAKOH DOMORIA BUKHARI CHOWK, BUKHARI PLAZA, SHAHDR FAISAL PARK, 4210108240885 4210160095333 4250182634271 4210160137473 4210122711485 1730101111559 4230190867915 4220147036143 3520286911907 3520224483137 YOUNUS CHUGH TAI ABDUL WAHID NA MOHD HUSSAIN MAQSOOD AHMED ABDUL QAUUM JAVED SIDDIQUI NA NA SYED AKRAM ALI SHAH NAQVI MOHAMMAD BOO TA JALIL HUSSAIN MIAN SHEIKH MUHAAMD YOUNAS MUHAMMAD I LYAS QURE RANA MUHAMMAD ALI KHAN HASHIM ALI NA S SHAFIQ AHMED SH RASHID AHMED SALEEM PE RVEZ MUGHAL MUHAMMAD AHSAAN BUTT NA ZULFIQAR ALAM MUHAMMAD RASHEED NA NA CH HSAN MOHD MOHIB ALI IQBAL AHMED NA ARIF MASOOD AFZAL HUSSAIN ARSALAN J AWAD MOHAMMAD YAMIN ALTAF HUSSAIN NA KHALIL UR REHMAN FAZAL ELAHI CH ANWAR AHMED GUL ADAM PAYARA LAL MUHAMMAD HUSSAIN M AHMED SYED TAQI MUHMMMAD N SAIDQ ALI MUHAMMAD SAEED KHAN SHEIKH RIAZ UD DIN CH AMEERUDDIN NA 699,484 506,338 508,972 537,502 551,589 725,403 703,638 585,577 616,831 705,941 911,454 487,670 666,903 575,432 571,401 602,156 611,085 613,447 806,861 507,640 675,249 632,418 644,098 525,768 645,770 482,139 481,040 462,351 493,260 494,816 622,907 469,028 335,392 482,902 473,081 481,509 713,352 483,314 381,401 459,995 415,650 339,428 420,899 387,521 499,479 435,955 398,408 445,304 516,621 3,449 12,494 6,162 19,679 7,350 12,389 18,412 20,841 13,737 7,624 18,042 22,785 8,105 9,177 17,764 6,658 8,194 18,346 27,253 159,925 115,488 81,382 79,404 67,082 46,779 57,563 105,584 79,213 41,375 51,869 89,055 99,252 92,431 80,599 93,560 139,672 135,160 109,842 94,672 99,395 100,501 67,023 518,832 515,134 557,181 558,939 725,403 703,638 597,966 616,831 724,353 932,295 487,670 H # 21-D ST # 33 SUNNY VIE W, PARK SHALIMAR LINK RO 4220196968689 H # 2 ST # 2 TAJ PURA SHAD BAGH NEAR BANK AL HABIB PLOT -401 AL MARIAM A PARTMENT G-4 GOLD STREET NEAR ST # 3, MAIN BAZAR ASHRA FABAD SHEIKHUPURA ROAD H # 3, MOHALLA DAUDZAI NEAR HIGHER SECONDARY SCHOOL H # 27 MOHALLA GOSHABAD PECO ROAD MULTAN ROAD F-118/2 MA RTON QUA RTER JAMSHED ROAD H# K -77, K BLOCK MU LTAN ROAD SABZAZAR SHOP -02 VIP SHOPPING CENTER SADIQ ABAD H# 4, ST# 9 MAHALA CHAHMIRAN LAHORE TAHSEEL 3/6, SCHEME MOR, MU LTAN ROAD 3520278764105 4230157999725 3310068762409 1730171836371 NA 4220199083769 3520265689921 6110167416261 3520250626075 3310057293727 4250192872341 3520226290191 3520296121699 4230173272563 4220152466285 4200004748413 3520067699239 6110130217249 3520186111308 4220161979699 4230169209060 6110117974397 4230189250283 4230130160847 3740570387973 3520233906297 3520293066471 4220130896155 4200004873681 6110147510481 4210107838383 4210116699069 3310008667205 4210196299305 3520198331311 3520121771769 3520114740689 680,640 583,056 589,443 601,707 (449) 633,870 621,552 816,038 525,404 681,907 640,612 662,444 553,021 645,770 660,714 18,650 612,019 15,491 581,991 38,258 582,320 9,656 567,808 5,910 679,328 9,642 542,142 15,551 480,487 39,511 573,017 10,902 530,057 15,601 538,456 5,078 817,586 15,179 611,636 29,070 485,768 11,936 546,246 5,652 575,935 66,725 542,962 63,862 588,938 32,879 595,206 97,843 603,692 9,541 546,518 11,168 509,349 10,440 519,168 6,841 520,525 3,904 528,294 561,437 514,088 555,437 638,540 606,916 614,263 565,186 611,109 578,788 518,125 625,350 850,165 649,023 630,374 623,680 530,352 611,467 756,822 636,371 646,409 620,711 612,019 616,311 663,779 572,150 615,548 657,046 663,578 542,646 588,331 597,660 639,282 607,361 596,591 605,324 680,641 508,198 967,315 751,477 537,392 603,914 579,089 613,520 568,262 563,426 532,701 536,383 706,438 -
706,438 536,383 532,701 563,426 568,262 613,520 579,089 603,914 537,392 751,477 967,315 508,198 680,641 605,324 596,591 607,361 639,282 597,660 588,331 542,646 663,578 657,046 615,548 572,150 663,779 616,311 612,019 620,711 646,409 636,371 756,822 611,467 530,352 623,680 630,374 649,023 850,165 625,350 518,125 578,788 611,109 565,186 614,263 606,916 638,540 555,437 514,088 561,437 528,294
www.standardchartered.com.pk
686,281 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 AMER IKRAM IFTEKHAR NISAR AMIR RAZA RIAZ RAJA MOHD TARIQ FAIZAN GHANI AKBER SAIFI RAZIA SHAHID ANJUM IKRAM SAJID NAZIR FARRUKH SALEEM ASIM IKRAM MALHI MALIK ABDUL WAHEED M. HUSSAIN SABIR MOHAMMAD RASHID NAVEED MUSH TAQ SALEEM AZIZ KHAN FAZAL GHAF FAR KHAN SHAMRAIZ KHAN TANVIR NABI MALIK FAISAL KH MUHAMMAD USMAN ABDUL HAMEED SALAHUD DIN AHMED RAHID SAMI SHEIKH ABDUL M ATEEN TARIQ MAHMOOD SHEHRYAR GHANI IRFAN B QURESHI SHAHAB N AHMED SABAHAT JABEEN N A BUTT ASIF RAFIQ ZULFIQAR ALI CH OMER AIZAZ SHEIKH MUHAMMAD NASIR NAVEED EJAZ PARACHA KHAWAJA SHAKEEL JAM SALEEM ALI SH MUHAMMAD SOHAIL SALMAN MASOOD GHULAM NAKSHBAND SOHAIL FAROOQ FAROOQ HASSAN AQEEL ABBAS MUHAMMAD MUBEEN IMTIAZ A FARSHAVI BABAR Y KHAN MUHAMMAD SHIRAZ SHEIK M AFZAL MALLHI SPO RTS (PVT) LTD. DASKA ROAD SIALKOT PAKISTAN GENERAL MOTORS STORES 18A AZIZ MAHAL MOHAN RD OPP 34-AL HAMD PLAZA URDU BAZAR LAHORE 30065027189 4200003638473 3520252008071 NA NISAR AHMED SHEIKH RIAZ HUSSAIN RAJA MOHAMMAD ASHRAF NA BADAR MANZOOR SAFI MUHAMMAD SHAHID AZAM SHEIKH MUHAMMAD IKRAM SHEIKH MUHAMMAD NAZIR MUHAMMAD SALEEM MUHAMMAD IKRAM MALIK ABDUL RASHEED NA NA MUSH TAQ AHMED NA NA MUHAMMAD ISHAQ GHULAM NABI NA KH MUHAMMAD SALEEM CHOUDH RY MANGU KHAN ABDUL RASHID NA SHEIKH ABDUL HAMEED MASOOD UR REHMAN IJLAL GHANI ABDUL GHAFUR QURESHI RAFI NASEER KAISER SALEEM SHEIKH MALIK SALEEM MUHAMMAD RAFIQ GHAUS CH MIRAJ DIN AIZAZ MUNZOOR SHEIKH ABDUL RASHEED MALIK EJAZ HUSSAIN PARACHA KHAWAJA ABDUL RASHEED NAWAB JAM SADIQ ALI KHAN SHIEKH MUHAMMAD YOUNUS NA MUSTAQ AHMED QAYYUM JILANI MUHAMMAD YAQOOB M NIAZ QAYAMUDDIN MALIK ALLAH BUX NA SHEIKH MUHAMMAD IQB NA 671,003 477,975 471,690 476,928 449,994 522,338 310,344 577,916 340,708 479,474 498,960 418,006 452,899 485,425 477,008 419,875 1,319,812 494,668 363,809 389,032 435,049 809,968 494,959 425,907 348,784 761,016 497,734 392,975 484,794 445,922 377,237 396,984 279,843 358,509 425,368 339,471 495,839 411,013 325,909 488,113 333,220 345,193 392,059 31,663 269,841 141,233 497,932 425,094 388,493 79,262 13,791 10,180 34,423 140,616 40,800 24,959 32,953 15,551 152,815 31,328 177,531 35,172 86,650 107,978 91,266 33,523 25,101 141,065 73,685 48,836 21,915 28,316 13,663 27,448 9,154 13,514 6,187 111,501 310 38,902 79,251 34,650 44,849 46,214 16,791 1,265 103,352 4,567 44,832 15,278 563,380 6,143 485,481 500,873 FLAT # 4, PLOT # 3-C 28TH TAUHEED COMM PHASE V, D. 3740141510881 HOUSE NO 104, EDEN AVENUE LAHORE CANTT H NO 100/1 MAIN KHAYABAN -E - SHAHEEN PHASE 6 DHA H NO 45 GULGERG AVENUE LALAZAR NO 1 JHELUM ROAD MALLHI SPO RTS PVT LTD DASKA ROAD P O BOX 1025 H NO 5 ST NO A-25 NEW WASAN PURA A-18, BLOCK-C NO RTH NAZIMABAD MALHI SPO RTS PVT LTD DOBURJI MAL IHAN, DASKA ROAD OBAID ASSOCI ATES A I AL MINAR MA RKET CIRCULAR ROAD MARDAN MACHINE RY STORE FO WARA MARKET NEW BUS STAN PLATO SURGICAL STREET NO 5 PREM NAGAR, NAVEED PROPE RTY ADVISOR OFFICE N O 54/10 TULSA ROAD HOUSE NO.14-A 2ND WEST ST PHASE-1 DHA KARACHI OFFICE NO 7,1ST FLOOR, ALI PLAZA,6TH ROAD, RAWALPINDI HASSAN GARMENTS B-343 COMMERCIAL MARKET SATTELITE GN ASSOCI ATES 354 BLOCK D JOHAR TOWN TAJ PURA MAIN ROAD IMAM DIN HOUSE QUALITY THREAD IND MAIN JHUMRA ROAD OPP NISHATBAD 3520125567131 4230166845085 3740502064474 3460346728147 3520224215793 4220163403423 3460360035967 3520226988177 1610112524313 3460339332773 3740558281863 6110103950107 1560254842117 3740533258963 3520224987625 3520135645319 3310009041737 13,765 499,261 14,844 522,338 510,917 59,957 637,519 18,803 341,584 876 508,163 3,730 550,153 18,240 422,674 4,668 452,899 502,175 1,199 650,973 21,150 455,738 4,535 1,518,658 21,315 535,888 6,048 534,667 84,208 529,017 32,007 568,793 42,478 811,080 1,112 496,699 1,740 470,500 51486124628 3520163604373 6110177699175 4220106554479 6110158672153 4230172544943 3520226157388 3520193889123 3310034725741 3520224379125 3520280516107 3520236640735 3740537136625 3520014542855 4230134966633 3740549224863 1730149147231 4240119177535 4230133961475 3740562714265 6110155319915 4230110801351 4220109025313 3520228652207 3310064948635 4230110993771 11,070 376,619 HOUSE # 789, BLOCK G-4, JOHAR TOWN,LAHORE KARWAN E OHAD OFFICE#10-12 SHALIMAR PLAZA CHANDNI FEROZ SONS PRINTERS PVT LTD GROUND FLOOR VARIAWA B CANOPOES INTERN ATIONAL LTD PVT O FFICE NO 9-10 2ND 9 A2/1 8TH CENTRAL STREET PHASE II D.H.A KARACHI P LG SHIMLA TOWER 5 D AVIS ROAD J-87 D H A LAHORE CANTT 101-102 SAEED COLONY NO 1 CANAL ROAD SOOSAN 1ST FLOOR HAQ BAHOO MARKET PAKKI TH ATHI SAMANABAD 37-P, GULBERG II SUPER ARMY STORES 6-7 NEW PAF MA RKET SARFRAZ RAFI HOUSE NO 34 STREET NO 27 VALLEY ROAD WESTRAGE KHALIL ULLAH INTERPRISES 1-2 BASEMENT MIRRAN HUSS LAND LORD HOUSE F 61/4 BLOCK 4 CLIFTON AMIR ENTERPRISES SHAIKH MALL 24/ 34 KFC BASEMENT Z HOUSE # 115, STREET # 12, F-11/1, ISLAMABAD. H NO 621 SECTOR 4-C SAEEDABAD BALDIA TOWN H NO 87 ST NO 4 HILL TOWN MANZOOR COLONY HASSAN BROTHERS 18 SHALIMAR PLAZ A AZIZ BHATTI ROAD HOUSE 235 D BLOCK S ATELLITE TOWN R AWALPINDI MOBILE WORLD SUITE 25 FEROZE ELE CTRONICS MKT ABDU FALCON TEXTILES,FL AT NO.101, 1st FLR,RABIA HOUSE,T HOUSE NO 1 CHAMBA HOUSE LANE GORI H NO 29-B GULBERG TIME AGENCIES 907 9TH FLOOR GUL TOWER I I 2,734 913,531 11,450 584,682 13,263 479,795 37,984 507,807 1,098 488,164 13,926 391,139 239 470,657 46,225 293,637 4,640 372,719 696 489,177 57,622 489,039 38,067 498,993 2,844 477,307 27,392 424,442 19,282 525,567 2,804 426,247 48,178 450,731 59,324 480,342 71,492 39,424 6,496 389,608 16,415 145,800 554,975 12,211 425,094 388,493 552,675 532,325 661,010 544,447 535,587 618,225 584,488 594,864 504,029 628,488 543,692 592,655 645,576 554,430 561,292 575,780 508,246 608,825 550,696 563,149 599,275 654,116 616,964 706,979 526,313 525,945 502,151 807,100 621,187 593,604 615,696 634,663 919,751 542,066 645,424 640,615 635,952 548,430 611,301 758,706 512,763 703,800 636,700 649,190 606,570 583,901 594,929 606,881 694,635 -
694,635 606,881 594,929 583,901 606,570 649,190 636,700 703,800 512,763 758,706 611,301 548,430 635,952 640,615 645,424 542,066 919,751 634,663 615,696 593,604 621,187 807,100 502,151 525,945 526,313 706,979 616,964 654,116 599,275 563,149 550,696 608,825 508,246 575,780 561,292 554,430 645,576 592,655 543,692 628,488 504,029 594,864 584,488 618,225 535,587 544,447 661,010 532,325 552,675
BISMILLAH INTERN ATIONAL FL AT# 02 1ST FLOOR AF TAB 8110140700197 P HOUSE 10/B SOUTH PARK ST SUNSET BOULE VARD DEFENCE 106 1ST FLOOR PARK TOWER CLIFTON KARACHI 4230180095745
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
CHUNDRIG 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 S ASIM ALI EHSAN ELLAHI ASHRAF ALI MUHAMMAD IDRESS JAVAID IQBAL RIAS AT WASEEM AHMED MALIK SHAHZAD ZIA UR REHMAN LUK WASEEM AHMAD WASEEM AHMAD GHULAM MOHAMMAD TANYA S HABIB ANIKA KHAN SALMAN MASOOD MAQBOOL AHMED MUHAMMED WASIM UMER FAREED ASGHAR MUHAMMAD UMAIR SAJID FAROOQ SH MOHAMMAD AFZAL MANSOOR ALI PONA WALA SHAHID BIN SHAMSHER SAIFULLAH KHAN SARFARAZ AHMED MALIK MUHAMMAD IMRAN MUHAMMAD IQBAL IMRAN YOUSAF NAUSHAD SADIQ NADEEM MAJID ASGHAR CHEEMA DARA SHAIKH NAEEM SADIQ IMAMUDDIN SHAIKH QAZI IR FAN NAWAZ FAHAD KHUSHI ABID HUSSAIN IHSAN ASGHAR MUHAMMAD IR FAN NADEEM AHMED DAR SHAIS TA YAMEEN HUSSAIN SABRI GULZAR AHMAD TALIB HUSSAIN M SOHAIL SYED HAMAD HUSNAIN ZAIDI FARZANA MUFTI ABDUL QADIR HUMAYUN SIDDIQ L-04, ALAM NAGAR MALIR SAUDABAD 4220165245865 NA NA NA GHULAM MOHAMMAD RIASAT ALI ABDUL RASHID MIRZA MUH TAR BAIG NA ABDUL RASHID ABDUL RASHID 376,163 480,125 455,380 291,937 436,767 499,900 388,832 452,040 999,993 499,975 14,726 33,281 14,572 25,203 60,084 105,511 19,108 340 49,858 34,267 33,253 14,366 43,352 90,994 63,507 92,400 81,269 80,410 93,229 77,452 112,161 142,803 129,112 54,752 64,987 121,537 83,367 121,387 53,777 76,933 61,082 41,873 74,381 138,240 94,651 95,274 80,066 100,619 74,852 16,718 60,562 379
391,268 534,669 516,618 654,806 469,952 610,125 414,417 521,485 510,786 3630242808087 3310034709463 3520214106997 3520070224457 3310034709463 3310034709463 4310105260427 3830225619146 4230161410906 1730149147231 4230110669631 4210110555237 4200005489635 13,935 499,900 578,251 83,908 504,149 33,001 999,993 499,975 460,575 446,785 ATTA ULLAH KHAN NA NA MOHAMMAD SADIQ MUHAMMAD UMAR ASHFAQ ALI KID WAI FAZAL ELAHI GHULAM FAROOQ PARAC NA SALEH BAHI PON AWALA SHAMSHER ALI GUL ADAM KASHIF AFRIDI MUHAMMAD IMRAN FAZAL ELAHI NA SHIRAZ NA NA M A SHAIKH SAIDQ ALI NA QAZI MUHAMMAD N AWAZ NA MANZOOR HUSSAIN ASGHAR ALI MUHAMMAD EHSAN M YOUSUF DAR MUJAHID BUTT MUHAMMAD HUSSAIN NA MIRZA KHAN NA NA FAISAL SU LTAN MUFTI NA MOHAMMAD SIDDIQ 446,237 496,425 485,301 641,528 452,401 440,092 209,241 436,132 443,270 499,617 557,948 500,741 500,803 501,583 501,780 462,808 599,217 918,655 779,871 501,632 500,710 872,231 487,306 720,476 489,066 501,564 429,349 449,746 536,852 999,650 397,440 688,764 579,426 400,799 472,969 658,328 549,546 208 557,142 10,859 522,934 3,366 676,244 34,716 494,446 8,792 454,458 209,241 486,472 6,988 443,270 4230110993771 4230101170633 3520151413525 4220130896155 4210155182103 3520216919377 3520233906297 3520287703609 4220104442206 3520290209729 3520207538427 4230165170841 3310008667205 4230162550705 3460207087699 3520217145145 3310036008687 3460322270047 3310007212693 3460371514089 4230141352732 6110147510481 3520233177921 3520188759393 4210133447135 590,611 621,455 593,141 582,072 581,993 595,009 540,260 711,378 1,061,458 908,983 556,384 565,697 993,768 570,673 841,863 542,843 578,497 490,431 491,619 611,233 1,137,890 492,091 784,038 659,492 501,418 547,821 675,046 610,108 449,746 536,852 1,001,680 397,440 688,764 579,426 394,410 475,148 640,682 551,576 55,624 103,018 191,653 115,851 132,015 110,974 121,157 92,796 17,829 105,335 429,349 85,149 500,710 872,231 487,306 709,535 489,066 501,564 93,054 148,205 101,678 122,881 68,731 95,779 501,583 501,780 462,808 599,217 918,655 779,871 501,632 81,643 109,049 90,423 131,053 168,550 150,970 70,090 557,948 500,741 500,803 64,950 108,187 82,504 499,617 106,745 579,052 599,341 570,163 632,797 917,049 618,412 657,587 635,878 643,649 1,236,965 622,304 582,620 661,553 617,559 603,627 591,331 -
534,669 654,806 610,125 521,485 661,553 617,559 603,627 591,331 1,236,965 622,304 582,620 618,412 657,587 635,878 643,649 599,341 570,163 632,797 917,049 579,052 606,362 622,898 608,928 583,307 583,226 610,829 553,231 730,270 1,087,205 930,841 571,722 593,764 1,020,436 588,984 832,416 557,797 597,343 514,498 505,370 639,870 1,193,333 513,291 820,779 690,400 515,567 567,944 658,511 656,911
M.B. DYES CHEMICAL AND SILK IND. P LT NO 439,440 SE 4220107477555 H NO 142 BEHIND RABIA TRUST HOSPI TAL BATALA GMC CONSTRUCTION COM PANY H NO A- 191, BLOCK NO 5 G H NO 144 A ST NO 8 SABZAZAR COLONY 181-C GULBERG COLONY H NO 36 ST NO 36 MAIN BAZAR BIBI PAKDAMAN AZ LUCK GROUP SUITE # 17 1ST FLOOR DAVIS HEIGHTS 181-C GULBERG COLONY FAISALABAD FAISALABAD 181-C GULBERG COLONY FAISALABAD FLAT # 510,5TH FLOOR, SEA WORLD APT T,SHRIN JINAH C 14 8TH STREET KH AYBAN-E-JABAL PHASE# V DHA ANIKA KHAN ? HOUSE # 19-A/II, SUNSET AVENUE HOUSE NO 4 KHALID ROAD PESH AWAR CANTT SH NASEER AHMED & CO. 107,1/ F,COMMERCE CENTRE HASR HNO C-55 BLOCK 10, AISHA MANZIL, F.B AREA, NR ARS 16/A/II GOLF COURSE ROAD NO 4 PHASE 4 DHA 3310033297103 4220141231923
3,212 97,277
UMAIR GARMENTS NEAR SE RVIS SHOES S ATIANA ROAD 3310073948071 SAJID PARACHA & SONS ROOM NO 208 SUNNY PLAZA HASRA TIME AGENCIES 907, 9TH FLR GUL TOWERS I.I.CHUNDRIGAR PLOT NO G-3, FL AT NO X-403,AL HABIB ARCADEBLOCK 7, 179 F F D H A H NO 40, ST NO 8B AREA, 36-BLANDHI NO 5 FLAT # 7 SUMAIRA ARCADEBLOCK N NORTH NAZIMABADKARACHI H NO 27 JAMAL ST NO 2SANDA KHURD H NO 61 G 2WAPDA TOWNKIRAN CLINIC 92-B-1M M ALAM ROADGULBERG IIILAHORE A-402 AL-ZEHRA GARDENGARDEN EASTKARACHI H 119 BABAR BLOCK NEW GARDEN TOWN 269/1BLOCK RPHASE 2DHALAHORE TOWN HOUSE NO 9AMAR VILLAS PLOT NO 20/ADR ZIA UDDIN HOUES NO P-158 STREET NO 6DHOBI GH ATFAISLABAD 15/CSUNSET LANE 1PHASE II EXT DHAKARACHI H NO 983 WARD NO 6KABUL ROAD CANTT 179-M GULBERG III 730-K GULIS TAN COLONY FAISALABAD ZEESHAN BUILDING STMOH. DIN PURA CAPITAL ROADSIALK H NO P-1549, ST NO 8 PARTAP NAGARJAMIA MASJID SHREE H NO 13/169 MOH TIBBA TANCHISIALKOT HOUSE NO 5STREET NO 35KH AYABAN E MUHAFIZPHASE-6 DH 153/B,STREET 48F-10/4ISLAMABAD 126 H BLOCK MODEL TOWN STREET NO. 5HOUSE NO. 48BUS TAN COLONYCOTLUCH PAHTLA HOUSE NO C 230 BLOCK NO 10 F B AREA 4230108607291
HOUSE # 180-E,STREET # 2,SIR SYED ROAD RAWALPINDI 3740533055427 C 1101BONVIS TA AARTMENTS KEHKASHANCLIFTIONKARACHI B 81 BLOCK 10-AGULSHAN E IQBALKARACHI B 211 BLOCK 18 GULSHAN E IQBAL 4230128344916 4220107973617 4220103611231
www.standardchartered.com.pk
179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227
ABDUL RAUF MUHAMMAD J AVED M ARJUMAND FAROOQ BAHADUR ALI ZA FAR MUHAMMAD IR FAN MUDASSAR MUSH TAQ MANSOOR ALI MUHAMMAD N AWAZ KARIM IBRAHIM CH AZIZ UR REHMAN ABDUL Q AYYAM IFTEKHAR NISAR SHEIKH NIAZ AHMED ASHIQ HUSSAIN M YOUSAF AMJAD MUNIR FAIZ AHMED MOAZZAM MASAUD M IMRAN KAMIL ASIM IFTIKHAR SHAHID JALIL SHAMRAIZ KHAN ABID RAFIQ RAJA M TARIQ HANIF GHAF FAR S NASIR AHMED MAHMOOD HUSSAIN RAHID SAMI MIAN LIAQ AT ALI TAMIM AHMAD MUHAMMAD ALI NAVEED UL HAQ MALIK SHAHZAD M ABBAS NADEEM FARRUKH SALEEM RASHID SAMI SULTAN ALI MUNAWAR HUSSAIN TARIQ SHOAIB AHMED MUHAMMAD FAYYAZ SAHIBZADA SHAHID SHAHID BUTT IQBAL HUSSAIN FAIZAN GHANI M SIDDIQUE SALAM HAMID GHULAM KIBRIA ABIDA SHAHEEN NASIM RAZA S IMTIAZ HAIDER
B 157 BLOCK 2GULIS TAN E JOHARKARACHI 805-Z DEFENCE H # 57 ARMY HOUSING SOCIETY DEFENCE FLAT NO 5 3RD FLOORBLD # 23-C BADAR COMM. STREET N H NO 74-FBLOCK CS ATTELITE TOWNNEAR BILAL HOSPI TALR H NO.378ST NO.3 GURUNANIK PURANEAR GOVT COLLEGE FAI h no 21/c, f4SHAHBAZ LANE 2,PHASE VI, DEFENCE H NO 74 CHOHAN ROADISLAMPURABUND ROAD A/1 BARVERLY HILLS VELASBLOCK 798 B ATH ISLANDKARACHI 24/ SHADMAN COLONY NO.1 H NO 127 ST NO 65 F-11/4 61-B-1 3RD SUNSET STREETPHASE II EXTD H AKARACHI H # 12/25 GREEN VIEW COLONYGHULAM MUHAMMAD ABADFAI
4250114254545 3520187858293 3520126840555 4200004873681 3740559267485 3540339384339 4200004658413 3650206184399 4230178588101 3520254621937 3420206813663 4200003638473 3310046863389 4200005017289
ABDUL AZIZ MOHRKHAN MUHAMAMD TARHAV NA PAYARA LAL MUHAMAMD YASIN MUSH TAQ AHMAD CH MANZOOR ALI KHAN MUHAMMAD SIDDIQUE IBRAHIM PARDHAN NA NA NISAR AHMED GHULAM NABI SHEIKH GHULAM HUSSAIN ABDUL GHAFOOR M IBRAHIM NA MOHAMMAD KAMIL IFTEKHAR AHMAD CHOUDH RY ABDUL JALIL MUHAMMAD ISHAQ M RAFIQUE RAJA MOHAMMAD ASHRAF GHAFFAR MOTI WALA S M ANWER NA SAMI AHMED MIAN MOHD IBRAHIM KHAIRET IBNE RASA TAJ UD DIN MIAN ABDUL HAQ MIRZA MUH TAR BAIG MUHAMMAD RASHEED MUHAMMAD SALEEM SAMI AHMED JAFRI BUKSH ELAHI CHAUDH RY ABDUL KARIM MIAN GHULAM AHMED MUHAMMAD L ATIF SHEIKH JAMIL UR REHM NA AHMED ALI NA NAZAM DIN ABDUL WAHEED HAMID NA PEER SARDAR ALI CH MUHAMMAD SHARIF S NASEER HAIDER RIZVI
417,665 471,804 484,599 492,162 449,905 474,274 434,436 498,481 458,355 501,064 443,403 443,127 482,244 404,922 491,647 484,776 739,288 720,427 439,637 498,753 499,244 455,405 846,125 438,011 509,182 539,176 999,630 954,147 453,524 498,677 492,319 497,377 501,493 491,390 440,178 492,432 463,191 158,092 510,318 499,996 487,277 438,435 469,307 469,569 920,000 442,245 499,496 567,469 591,212
52,141 49,769 68,249 54,328 49,483 39,316 60,038 60,823 38,231 95,315 36,690 36,482 39,574 55,602 91,208 74,532 61,282 99,221 48,202 27,453 26,990 50,138 21,278 11,125 13,063 45,112 25,366 24,402 37,495 13,487 67,872 39,991 27,515 15,214 14,830 54,286 14,012 4,520 167,597 12,514 12,362 24,068 10,914 45,202 50,703 11,356 82,925 16,389 39,071
469,806 521,573 552,848 546,490 499,388 513,590 494,474 559,304 496,586 596,379 480,093 479,609 521,818 460,524 582,855 559,308 800,570 819,648 487,839 526,206 526,234 505,543 867,403 449,136 522,245 584,288 1,024,996 978,549 491,019 512,164 560,191 537,368 529,008 506,604 455,008 546,718 477,203 162,612 677,915 512,510 499,639 462,503 480,221 514,771 970,703 453,601 582,421 583,858 630,283
419,695 471,804 484,599 492,162 449,905 474,274 427,919 498,481 460,385 487,779 443,403 443,127 484,274 404,922 476,958 484,776 739,729 724,650 440,416 500,783 499,244 441,541 861,155 440,041 526,212 525,030 986,666 954,147 454,964 498,677 492,319 490,154 494,114 493,420 501,708 470,047 463,191 994,761 464,941 501,992 461,574 451,234 471,743 458,312 910,682 460,641 478,474 578,583 591,212
90,568 88,159 107,681 83,170 86,091 67,110 83,084 95,270 88,129 120,575 84,796 73,668 92,497 99,899 122,771 134,352 142,351 190,254 108,159 95,565 95,148 85,230 164,285 84,175 100,124 102,835 137,101 180,630 111,835 82,796 148,883 107,820 95,007 106,507 106,308 84,933 99,957 181,232 169,865 83,189 88,585 86,057 78,197 116,296 24,943 87,722 123,037 124,352 138,785
510,263 559,963 592,280 575,332 535,996 541,384 511,003 593,751 548,514 608,354 528,199 516,795 576,771 504,821 599,729 619,128 882,080 914,904 548,575 596,348 594,392 526,771 1,025,440 524,216 626,336 627,865 1,123,767 1,134,777 566,799 581,473 641,202 597,974 589,121 599,927 608,016 554,980 563,148 1,175,993 634,806 585,181 550,159 537,291 549,940 574,608 935,625 548,363 601,511 702,935 729,997
HOUSE # 1/4-ESTREET # 10G-7/2ISLAMABAD H NO 9 ST NO 7PREME GALLI DILMUHAMMAD ROAD 82-GGULBERG IIILAHORE C 41 ZAHRA CENTRE BLOC KG HAID RY NORTH NAZIMABAD
HOUSE NO 74 21 AIKER SCHEMESAMANABADLAHORE H NO O/810-CST NO 15FEROZE PURAOPP NAZ CANIMAR AWAL KARIMI ST NO.32 H NO.3 PEER GHAZI ROADICHRA FLAT NO 428 TAUHEED COMM STREETPLOT NO 3/CPHASE V 10 GULNAR APPT 2ND FLOOR CHOUDH RY KHALIQ UZ ZAMAN 84-A CANAL VIEW SOCIETY 77-A MODEL TOWNLAHORE 112/1 KHAYABAN E RAH AT 8TH STREET 14-A ,D/I GHALIB ROAD GULBERG III 7-P MODEL TOWNLAHORE H # 40-F EMPRESS ROADOPP AMERICAL COMSL ATELAHORE 207 GARDEN BLOCKNEW GARDEN TOWNLAHORE 36 EMPRESS PARKBIBI PAKDAMANLAHORE 10 JINNAH PARKINDUSTRIAL AREAGULBERG 11LAHORE A-18, BLOCK CNO RTH NAZIMABAD 112/1 STREET NO 8KH AYABAN E RAH ATPHASE VI DHA B-1-303/2, SUN BEACH APPTPHAES II BLOCK 9GULIS TAN H NO P 182/3 ST NO 17MOHALLAH CHIBAN 309/N DHA 78-E1 JOHAR TOWN 94/1 26TH STREET PHASE VI D H A 31-B M A M C H S 31-B MUHAMMAD LI MEMORIAL FLAT NO 1 FIRST FLOOR RAZZAQ WAHAB MANZIL MANSFIEL 11-ARMY HOUSING SCHEMEDEFENCELAHORE 201-Q PHASE IID H ALAHORE CANTTLAHORE 299ST NO 8CAVALARY GROUNDEXTLAHORE HOUSE # 53STREE T-32F-6/1ISLAMABAD FLAT 70 KOTHI RAJAN BAGH M AYO HOSPI TAL 61/2BLOCK WDHALAHORE B 39 BLK 13FEDERAL B AREAKARACHI
3520201484059 3740533258963 3520221793135 3740141510881 4230101430199 3520228211163 3520234508939 4230188338155 3520227509503 3520014951857 3520253920409 3520218762441 3520214106997 3520226290191 4220163403423 4200002868719 4210170337523 3310009124915 27066403710 3520286679513 4230184631919 4220146464369 4230109398505 3520125567131 3520114586381 3520116104541 6110187426001 33793243252 3520136661731 4210154830365
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276
NAVEED ASGHAR BUTT SHEIKH MH SHAFIQ UZMA JUNAID KALEEM SALEEM KHURRAM BUTT MUHAMMAD ALI IRFAN AHMED NAMRA S MAQSOOD M JUNAID ARSHAD ABUL HASSAN AGHA AZHAR ALI H YOUSAF AHMEDANI SHAKEEL AHMED CH ALLAH DIT TA SHAD BASHIR AHMAD USMAN AHMAD BUTT RIZWAN MASOOD SOHAIL NASEEM SYED ALI IMRAN PARVEZ RAHIM IMRAN SALIM M IMRAN ZA FAR KHAN IMTIAZ M SARFARAZ MUHAMMAD USMAN SOHAIL RAZA AKH TAR FIAZ AHMED IFTIKHAR AHMED IMTIAZ AHMED KHAN M RAFIQUE IMRAN BUKHSH IMRAN KHAN ABBASI MALIK AMJAD ALI CH GHULAM QUMAIS SHEIKH HUM AYUN MUHAMMAD NOUMAN M NADIM IQBAL KHAN ABDUL MAJEED ZAFAR MEHMOOD MUHAMMAD IMRAN ABDUL AZEEM KHAN JAMSHEED H GHAS WALA GHULAM MUHAMMAD SAHLIANI RASHID QAMAR RANA RIAZ AHMED MALIK A WAHEED WASEEM RAFIQ MUHAMMAD NAEEM MUHAMMAD AKRAM
J-87DHALAHORE CANTT 165-QDHALAHORE 68 APHASE 2CCHS MODEL TOWNLINK ROADLAHORE PLOT # 42 FL AT 2BLOCK 1 SECTOR C-1TOWN SHIPLAHORE H NO 3 ST 41 MANOHAR STNICOLSON ROADLAHORE H NO.P-261 ST NO.10 TAJ COLONY SARGODHA ROADFAISALA D-31 BLOCK 7GULSHAN E IQBALKARACHI 57/4,KHAYABAN E BUKHARI PHASE 6D.H.AKARACHI 68-A PHASE IIGECHSLAHORE PLOT NO JM 135, FL AT NO 205, 2nd FLOORROSE GARDEN, B-145BLOCK 18GULSHAN-E-IQBALKARACHI BANGLOWS 27 BLOCK 3OVERSEAS HOUSING STADIUM ROADKA 619/2 SECTOR Z DHA 88/DSARDAR STREE TALLAMA IQBAL ROADLAHORE CHAK NO 7.J.B FAISALABAD 15-XX PHASE IIIDHALAHORE H NO 10 ST NO 4-X BLOCKPOEPLES COLONY H NO Q 74KORANGI NO 2 HOUSE NO D-B/22AMROHA SOCIETYSCHEME 33, GULIS TAN E 81/2 24TH STREET PHASE-6 DHA I H 7FALECON HOUSE COMPLEXOPP CENTRE POINTGULBERG H NO 503SECTOR G-IJOHAR TOWNLAHORE F 371 JAHANGEER RD PATEL PARAKARACHI R 887 BLOCK 19F B AREAKARACHI H # 121WALAYAT HOMESCHAKLALA III R AWALPINDI 177 HASEEB BLOCKAZAM GARDEN MU LTAN ROADLAHORE H NO 16, STREET NO 10BLOCK 4-D, NAZIMABAD KARACHI UPPER STO RY BHATTIPROPE RTY CENTREREHMAN SHAHEED ROAD H NO 242, SECTOR 33/CKORANGI NO 02 26-D-1 GHALIB ROAD GULBERG III F 604 BLK 15RUFI PARADISEGULISTAN E JOHARKARACHI H NO 62ST NO 7-CSECTOR F-10/3ISLAMABAD HOUSE # 11,HUSSAINABAD COLONYGAS PLUS FILLING STATION HOSUE NO 731STREET NO 74G/74/4ISLAMABAD 39/CASKARI IIICANT S TATIONKARACHI H.NO.535ST.NO.11G-8/2ISLAMABAD
3520193889123 3520109939441 3520222704678 3520259443481 3520229177787 3310006822847 4220155666771 4230118142030 3520223849459 4220176176265 4220165751337 4220194611155 27374278417 3520236382103 3310217632491 3520227546641 3410123976987 4220121486169 4220159393709 4230109334297 3520270854731 3520227440057 4220109025313 4210199691105 3740503497785 3520230570747 3410151382431 3420103939341 4220126672211 3520207701375 4220146141827 6110152520181 1730190588483 6110132165955 4230158097873 6110119389817
MALIK SALEEM MUHAMMAD SHARIF MUHAMMAD JUNAID ARSHAD SH MUHAMMAD SALEEM SABAR BUTT MUHAMMAD SIDDIQUE KHALIL AHMED S SHAHID MAQSOOD MIAN M ARSHAD LATE SULTAN ALI AGHA YOUSUF ALI NA MOHAMMAD AMIN NA MOHAMMAD SA RWAR FAYYAZ AHMAD BUTT MASOOD ALAM MOHAMMAD NASEEM S MUS TANIR RAZA (LATE) S.A RAHIM NA ZAFAR HUSSAIN KHAN MALIK ALLAH BUX M MUKH TAR ALI NA CH ABDUL AZIZ SHEIKH IMTIAZ AHMED IMAM DIN ILYAS AHMED KHAN M CHANAN DIN SHEIKH MOULA BUKSH HUKAM DAD KHAN ABBASI MALIK GHULAM HUSSAIN NA NA NAWAB DIN MUHAMMAD ASLAM KHAN ABDUL S ATTAR MALIK BASHIR BAHADUR NAJEEB UDDIN ABDUL QYOOM KHAN HORMUZD R GHAS WALLA
378,694 611,718 582,214 486,522 416,404 498,322 492,321 466,946 541,502 499,107 495,430 591,941 448,811 581,965 208,985 488,372 497,047 473,090 496,920 498,996 383,254 416,081 538,162 727,095 473,808 489,909 489,170 464,093 474,421 449,290 738,833 477,794 484,019 989,108 638,353 353,538 462,000 867,383 599,999 498,542 484,197 448,545
4,909 67,222 12,442 41,031 22,745 13,102 14,673 135,320 17,181 13,164 27,883 14,764 24,852 16,407 5,725 135,612 12,145 12,544 13,381 14,454 71,515 17,342 13,642 18,444 12,132 101,662 13,407 14,361 70,774 11,433 17,680 25,107 16,385 9,078 11,729 22,564 47,864 148,877 19,458 12,044 19,282 10,731 13,489 15,065
383,603 678,940 594,656 527,553 439,149 511,424 506,994 602,266 558,683 512,271 523,313 606,705 473,663 598,372 214,710 623,984 509,192 485,634 510,301 513,450 454,769 433,423 551,804 745,539 485,940 591,571 502,577 478,454 545,195 460,723 756,513 477,794 484,019 1,014,215 654,738 362,616 473,729 889,947 647,863 498,542 484,197 597,422 483,246 781,002 428,885 779,120 530,074 513,235 511,331
470,000 584,190 573,981 479,897 418,434 493,700 490,936 431,345 625,055 485,061 475,713 877,586 450,220 600,000 439,937 490,982 494,838 480,060 490,934 498,986 374,361 412,450 1,000,000 801,797 480,354 497,770 494,828 445,239 452,845 449,976 738,217 486,035 483,862 990,000 628,862 484,210 462,000 844,265 575,011 499,000 485,000 395,424 454,587 743,772 417,744 758,329 478,710 479,653 494,353
89,705 130,446 110,153 121,100 102,614 93,764 106,698 154,358 133,249 79,669 92,973 165,861 123,484 128,881 81,203 243,220 95,652 91,826 94,009 108,762 135,819 109,633 185,138 152,378 67,926 198,452 69,732 94,622 220,111 86,969 142,609 105,031 106,135 191,348 55,224 93,866 89,392 118,930 146,858 96,510 93,774 177,031 73,386 147,426 90,998 146,471 92,426 93,312 108,432
559,705 714,636 684,134 600,997 521,048 587,464 597,634 585,703 758,304 564,730 568,686 1,043,447 573,704 728,881 521,140 734,202 590,490 571,886 584,943 607,748 510,180 522,083 1,185,138 954,175 548,280 696,222 564,560 539,861 672,956 536,945 880,826 591,066 589,997 1,181,348 684,086 578,076 551,392 963,195 721,869 595,510 578,774 572,455 527,973 891,198 508,742 904,800 571,136 572,965 602,785
133P A F COLONYZA FAR SHAHEED ROADCANTTLAHORE 3520198361479 F 44/3BLOCK 4CLIFTONKARACHI HOUSE NO 15GHALIB COLONYNEAR SHAHBAB CHOWKNADEEM S HOUSE # C-52/1BLOCK 13D/1 GULSHAN E IQBALNEAR HAPP H NO A-60/DRIZ WAN SOCIETY SCHEME 33UNIVERSITY ROAD FLAT NO A-2FAJ KOT WALLA BAGH AVARI COLONYBEHIND PH M-4, SEA WORLD AP PARTMENTSSHERREN JINNAH COLONYBLO 15-B BLOCK AS M C H SKARACHI H.NO.F-833/13NEAR HO LY FAMILYRAWALPINDI B/67MAIN ALLAMA SHABBIRUSMANI ROADBLOCK A FAISAL T 21 AST NO 1C AVALARY GROUNDCANTTLAHORE H NO.5-A MUHALLA 3-MOZANG ROADNEAR EHSAN HOSPI TAL H NO 335, ST NO 4 LIAQUATABAD 4230144954433 3520215969385 4220104078185 4210198302269 4230186373433 4310105260427 4220152010499 3740556064683 3520226988177 3520144268557 3520232761655 4210114847965
SHAHNAWAZ KHAN JAMALI SHEHLINAY 483,246 QAMAR UDDIN SIDDIQUI NA MALIK ABDUL RASHEED MOHAMMAD RAFIQ MUHAMMAD BASHIR FAQIR MUHAMMAD 761,544 416,841 759,838 519,343 499,746 496,266
www.standardchartered.com.pk
277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325
NASIR JAMIL KHAN AASHIK ALI BHUTTO MOHAMMAD SHARIF SHEIKH M AFZAL BUTT FAYYAZ AHMAD KHAN SOHAIL HAFEEZ S ZULQARNAIN SHAH NASIR IKRAM WALI MOHAMMAD KHAWAR MAQSOOD KHAWAR MAQSOOD MOHAMMAD SHAMS UZ ZAMAN M ASLAM ZAHEER AHMED RAFAQAT ALI AFTAB AHMAD QAZI MALIK MUHAMMAD ANWAR AMIR MAJEED RUKHSANA SYD M RIZ WAN MUKHRAR AHMED CH SAJJAD AHMED ABBASI IRFANA MUM TAZ M UL HASSAN KHAN AFTAB UD DIN IFTIKHAR ALI OSTO MIAN ABDUL HAKEEM JAM SHAIF ALI M NAEEM KHAN KAZIM RAZA ASIF ALI KHAN M ALI M RAMZAN CH ARSHAD MUM TAZ TAHIR FAZIL MOHAMMAD ARIF QURESHI S GHALIB HUSSAIN TAHIR SIDDIQUE IMTIAZ HUSSAIN IRFAN QASIM M SHAKEEL ABID ALI ABID S SABIH AHMED RIAZ HUSSAIN KHAN ASIF ALI SYED AZHAR HUSSAIN SHAHZAD CHOUDHA RY ABDUL GHAFOOR QURESHI MOHAMMAD I LYAS
BILLY'S TOWER, AP PARTMENT NO 702-A8TH FLOOR, RASHI F 5 BLOCK 3 K D A SCHEME 5 KEHKESHAN CLIFTON KHI HOUSE NO B 4 SECTOR 11 A NO RTH KHI 27/6 CANAL PARK GULBERG II LHR 352 3 DHA LHR CANTT HOUSE NO 386 ST NO 43 G-9/1 ISL 5-USMAN STREET MODEL TOWN LINK RD LHR H N 268 SEC G 10/4 ISD HOUSE NO 2603 PEER ELAHI BUX COLONY KHI HOUSE NO 9 A BLOCK B GOV T. REVENUE EMPLOYEES CO OP HOUSE NO 9 A BLOCK B GOV T. REVENUE EMPLOYEES CO OP 675 SHADMAN COLONY LHR H NO 41 ST F W BLOCK MADINA TOWN FSD 47 1 Y BLOCK ISLAM HOSPI TAL ROAD PEOPLES COLONY G 241-C FAISAL TOWN LHR HOUSE # 05 STREET # 09 SECTOR G-3 PHASE-2 HAYATABAD FLAT NO 607 DATA APPARTMENT NEAR MUHAMMADI MASJID 101 WEST WIND ES TATE FL-11 CLIFTON BL-2 KEHKASHAN HOUSE NO 90 MAIN DOUBLE RD F-1011 ISL 164- ISLAM BLK AZAM GARDEN MU LTAN RD LHR HOUSE NO 36 ST NO 1 SECTOR 2 AIR PO RT EMPLOYES CO HOUSE NO 6 R AWAL TOWN ISL 4 A 7/11 NAZIMABAD NO 4 KHI H NO B 4 ST 40 F 7/1 ISD 100/5 WARSI STREET ST JOHN PARK LHR D 901 AL MUS TAF HOME FRERE TOWN CLIFTON KHI HOUSE NO 721 21 ACRE SCHEME SAMNABAD LHR H NO 35 19TH STREET KH AYABAN E MUJAHID DHA PH V KH HOUSE NO 22 BLK A NEW SHALIMAR HOUSING SCHEME LHR ASIF ARCADE 205 28/3 BXJCHS BAHADURABAD KHI 1 B /2 22ND STREET PHASE V DHA KHI P-1546 ALI STREET NO 10 GULIS TAN COLONY NEAR ALLAH HOUSE NO 856 ST NO 20 G-10/1 ISL DEFENCE ROAD OPP USAMA ST NEW LALAZAR HOUSE NO 14M 21 C MUSLIM TOWN LHR HOUSE NO B 1030 S ATELITE TOWN RWP H NO L 19 BLOCK 13 GULSHAN E IQBAL KHI H NO 243 ST NO 4 SECTOR F 10/3 ISD FLAT NO 4 NAJEEB PLAZA 1-9 MARKAZ ISL B 5 HASHOO GARDEN 63 GARDEN EAST KHI HOUSE NO C-164 BLK 6 FB AREA KHI 560 F JOHAR TOWN LHR 162 29 ST KH MUHAFIZ PHASE VI DHA KHI C-256 BLK NO 10 FB AREA KHI HOSUE NO 40 16 ST MOHAMMADI TRADE GARI KH ATAR KHI 55, 57/4 NEW GULGASH AT SADIQIA ROAD ALI DILKUSHA S 3 A/3 26TH STREET PHASE V EXT DHA KHI HOUSE NO 408 1 SHADMAN COLONY LHR HOUSE NO 2 ST NO 1 SAMANABAD LHR
4130492042507 51586054326 4210116185515 3520253789251 27344188399 10189425889 3520257228963 6110119773389 4200005103897 3520228734597 3520228734597 3520245661691 3310034355283 28591075091 3520213082545 1730183469503 4230176563139 51765042657 6110121611758 24676467645 3740503847497 6110119729451 4210117871052 10161697434 3520198331311 4220138277141 3520223449065 4420144587713 3520125004637 4220126185343 51446051826 3310005905233 6110132079837 3740596021695 3520289188553 3740568583177 4200004503443 21561151739 6110118867297 4220105896503 4200005641851 3520264051305 4230132396201 4210126285095 4200005017231 3630210377937 4230107264845 3520287039835 3520014710161
JAMIL AHMED KHAN NAWAB NAHI BUKSH BHUTTO ABDUL RAHMAN MUHAMMAD HUSSAIN BUTT GHULAM HUSSAIN KHAN NA SHABIR HUUSAIN SHAH MUHAMMAD IKRAM MALIK NA MAQSOOD ALAM MAQSOOD ALAM CH IRSHAD MUHAMMAD NA BASHIR AHMAD RASHID AHMED MUHAMMAD ZAFRAN QAZI MALIK M YAMEEN NA AZHAR QUDOSI NA ABDUL GHA FAR CHAUDH RY ZAFAR IQBAL ABBASI WARIS ALI GILANI MUHAMMAD YOUSUF KHAN SHEIKH RIAZ UD DIN NA NA NAWAB JAM AN WAR ALI GHULAM NABI L ATE SHEIKH MEHMOOD NOOR MOHAMMAD GULLZAR MUHAMMAD RAJA MOHAMMAD SABIR NA CH. MOHAMMAD FAZIL IFTIKHAR AHMED QURES S SHOUK AT HUSSAIN MUHAMMAD SADDIQUE MIR M SHAFI QASIM ALI SHER ALI MUHAMMAD TAHIR MALIK MUHAMMAD YOUSAF SYED WASI AHMED AHMED HUSSAIN KHAN ASHIQ HUSSAIN SYED ZULFIQAR HUSSAIN HAJI CHANAN DIN RAFIQ AHMAD QURESHI BASHIR AHMED
415,833 -
1,471,758 1,068,667 677,657 1,789,922 1,076,702 516,327 816,674 1,154,449 1,954,814 1,954,814 699,061 213,448 220,705 289,573
4,723,959 1,825,954 2,268,808 6,208,783 1,886,907 931,436 2,681,988 2,299,399 5,674,804 5,674,804 2,106,939 1,598,068 327,888 987,402
415,833 6,195,717 2,894,621 2,946,465 7,998,705 2,963,609 1,447,763 3,498,662 3,453,848 7,629,618 7,629,618 2,806,000 1,811,516 548,593 1,276,975 10,546,570 1,289,348 9,587,135 3,792,518 2,877,989 4,847,381
430,661 4,234,305 1,147,572 2,946,465 2,894,934 991,397 2,059,285 520,921 4,343,138 829,618 7,399,618 1,850,307 648,173 548,593 1,276,975 10,631,532 1,836,073 9,587,136 3,792,518 2,877,989 4,847,381
523,924 4,234,305 1,147,572 4,213,415 2,894,934 991,397 2,059,285 520,921 4,343,138 2,784,432 6,570,000 1,850,307 648,173 769,298 1,821,943 10,631,532 1,836,073 13,742,340 5,401,693 4,075,237 4,889,796
1,954,814 (2,784,432) 220,705 544,968 4,155,204 1,609,175 1,197,248 42,415 617,662 4,284,557 -
84,961 10,461,609 461,947 2,237,777 1,041,856 862,928 42,415 350,112 1,178,004 2,926,602 827,401 7,349,358 2,750,662 2,015,061 4,804,966
1,461,914 1,111,802 4,787,353 3,609,349 10,198,639 7,272,037 11,998,027 974,232 11,023,795 4,833,645 900,631 885,655 3,933,014 5,282,092 4,396,437 23,997,905 1,113,531 22,884,374 4,863,797 2,004,044 776,534 3,409,677 489,989 532,967 848,536 1,400,956 1,431,961 413,188 45,008 501,087 24,473 409,251 787,949 1,606,568 910,529 485,103 99,414 2,785,701 3,194,037 393,813 2,859,753 3,003,768 2,227,234 11,998,205 8,588,528 1,542,415 1,052,426 1,834,260 1,301,293 3,198,006 2,349,470 16,788,045 15,387,089 6,586,696 5,154,735 8,196,389 7,783,201 1,701,868 1,656,860 1,744,458 1,243,371 2,292,461 2,267,988 1,489,959 1,080,708 2,695,651 1,907,702 6,143,869 4,537,301 2,476,595 1,566,066 9,129,484 8,644,381 6,983,953 6,884,539 11,952,000 9,166,299 8,512,612 5,318,575 1,570,912 1,177,099 1,570,912 681,311 11,981,852 11,952,000 5,176,101 6,983,562 743,259 3,761,679 3,547,038 6,143,869 2,324,628 3,221,921 1,489,959 632,133 4,199,766 487,764 (2,805,034) 1,744,458 733,363 1,701,868 45,008 3,889,079 1,451,645 10,705,980 3,198,006 1,326,923 1,834,260 746,043 1,542,414 642,962 11,998,205 4,599,636 (4,597,841) 3,003,768 1,276,887 (692,709) 2,057,960 23,997,905 2,704,549 (22,790,901) 1,345,381 1,996,387 3,280,777 10,198,639 1,750,443 1,461,914 -
2,079,576 1,750,443 14,483,196 3,280,777 1,996,387 1,345,381 3,911,553 2,057,960 3,587,946 12,000,000 2,185,376 2,580,303 4,524,929 10,705,980 1,451,645 3,889,079 1,746,876 2,477,821 1,882,496 2,122,092 3,221,921 8,468,497 3,547,038 3,761,679 7,726,821 17,128,101 11,981,852 2,252,223
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
534,360 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 M YAHYA AHMED SYED MUKH TAR HUSSAIN RIZVI AMJADULLAH KHAN MARIAM AF TAB KHURRAM AKH TAR MOHAMMAD J AVAID IQBAL MOHAMMAD IMRAN M ANWAR SAJID MIAN IMRAN AHMED ASIF MANZOOR SYED NASIR IQBAL ASIF J AVED MOHAMMAD TOUFEEQ SYED SHAHID HUSSAIN SHAH SADIQ HUSSAIN SHAH SH M SALEEM RIASAT ALI AMIR MIRZA MAHMOOD AHMED CHAUDH RY M AZEEM S ASHRAF NASEEM SHEIKH KHALID PE RVAIZ RIZWAN AKRAM JAVAID IQBAL AN WAR M ALI M ALI CH. ARAFATAFZAL KAMRAN JAMILA HASHMI FAYYAZ AHMED KHAN GUL IMRAN KHALID MEHMOOD KHAN M.RAMZAN RANA JAWED IQBAL IMTIAZ AHMAD syed maqsood hyder shah JABAR MEHMOOD MUGHAL MUHAMMAD N AWAZ GHANZA FAR IQBAL MUHAMMAD YOUNIS RAJA LIAQ AT ALI KHAN MUHAMMAD YAQOOB MALIK SAJJID JAMSHAID SHAHID AKH TAR ALI ASGHAR MUHAMMAD ZAKI MUNEER SYED MUBASHAR ALAM SHAHZAD WASEEM ARSHAD TARANNUM SABEEN 15/3 FLAT NO G 2 ZUBAIDA PLACE C P BERAR COOP H SO 6 B 5TH STREET PHASE 1 DHA KARACHI HOUSE NO C 33/1 1ST FLOOR BLOCK 13 D I GULSHAN E I FLAT NO 5 H NO 112 B MAIN GULBERG ROAD LHR FLATNO 117 MARINA ELE VATIONS BLOCK 2 1ST FLOOR CLI HOUSE NO 3 W Z MADINA TOWN FSD H NO 758 ST NO 3 SECTOR I 10/2 ISL 4220177918277 4230191147845 4220120290939 3520224191578 4230192835189 3310031490563 6110143313749 NA SYED ZA FAR HUSSAIN RIZVI NA AFTAB AHMED SHEIKH AKHTER ALI MEMON MUHAMMAD TU FAIL MUHAMMAD YAQOOB M FAZIL MIAN MANZOOR AHMED MANZOOR AHMED SYED MOHAMMAD IQBAL ABDUL HAMEED M KHALID RASHID SYED TAJ MOHAMMAD SHAH NA SH ABDUL HAFEEZ NOOR HASSAN MAHMOOD AHMAD MIRZA MANZOOR HUSSAIN CHAUDA RY ABDUL RAHIM NA SHEIKH MUHAMMAD ASHIQ MUHAMMAD AKRAM KHAN MALIK KHUDA BUKSH NA NA CH. AFZAL ALI SHAFI ULLAH SAIFULAH KHAN SHAHNAWAZ KHAN KHAK WANI DILAWAR KHAN SHIEKH NOOR HUSSAIN GHULAM AHMED KHAN CH ALUD DIND SINDHU ABDUL MAJEED S MASHOOQ HUSSAIN S NA MUHAMMAD H AYYAT RIYS AT KHAN DIN MUHAMMAD NAIM AT KHAN MALIK MOHAMMAD HUSSAIN NA GHULAM MOHAMMAD KHAN EID MUHAMMAD TAMANNA COL MUHAMMAD MUNEER NA NAWAB DIN NA 146,503 4,313,586 461,610 198,647 749,756 72,821 451,618 976,125 1,038,442 825,612 193,264 536,882 732,753 300,159 1,375,638 1,283,014 934,782 842,646 119,550 1,854,280 1,370,681 2,292,060 827,864 359,460 1,818,887 1,818,887 350,024 42,713 1,954,114 571,246 672,995 387,857 14,809,090 10,495,504 2,093,225 1,631,615 5,963,169 5,764,522 2,499,571 1,749,815 5,026,685 4,953,864 2,656,999 2,205,381 6,600,001 H NO GF 3 BUILDING NO 36 SE AVIEW TOWN SHIP PHASE 4230101134881 5 H 546 NISH TAR BLOCK ALLAMA IQBAL TOWN LHR MANZOOR VILLA STREET NEAR LASANI GARDEN NEW NORH G 81/3 30TH STREET KH AYABAN E SEHAR PHASE 6 DHA KHI 144 B MODEL TOWN GUJRAN WALA 9 NSHTAR BLOCK ALLAMA IQBAL TOWN LHR BUKHARI ST JAHANGEER ABAD DAK KHANA KHAS TEH DISTT HOUSE NO 372 ST NO 59 G 11/2 ISL 3952 A MOHALLAH WALWAT HASSAN PARWANA ROAD MULTAN HOUSE NO 12 MAIN ROAD SAR FARAZ COLONY NEAR ZEESHAN HOUSE NO 821 A FIRDOUS ST MUGHAL ABAD TENCH BAHTIA D 1 UNIVERSAL HEIGHTS FL 7 BLOCK 16 GULIS TAN E JOH 7/33 FAZLIA COLONY FEROZEPUR ROAD ICHRA LHR FLAT NO 502 A 5TH FLOOR RO YAL APPARTMENT KDA 1 SB 15 B NEW MUSLIM TOWN LHR H NO 1/1 B ST NO 8 BL I AL FAISAL TOWN GHAZI ROAD JAVAID IQBAL AWAN H NO 152 A BLOCK C MARGHZAR COLO FLAT NO 9 3RD FLOOR MOU WALA VIEW PIND 46/3 BLOCK 3 FLAT NO 9 3RD FLOOR MOU WALA VIEW PIND 46/3 BLOCK 3 23-B AGRO BASE FALATES SHADMAN MARKET LAHORE 75716 H NO A-62/2 SHAH FAISAL COLONY KHI NEA R JAMIA MA H NO 63 21 ACRE SCHEME SAMANABAD LHR OPP. MADARSA MINHAJ UL QURAN, KHANE WAL ROAD, STREE 14-A SECTOR B NASIR BAGH ROAD POLICE COLONY KARA 122/II J BLOCK LAHORE H#PD #03/A-5GHOSIA COLONY RAWALPINDI ALI PAPER GHAZI ROAD MILL AT ROAD YASEEN TOWN NEAR HOUSE NO 179 BLOCK C GULBERG COLONY FSD R-402 SECTOR 16-A ,BUFFER ZONE NORTH KARACHI NEAR JALIL TOWN NEAR MUGHAL MEHAL CHANDA DA QILA POST O NEAR COCA COLA FACTORY HOUSE NO 13 MUMTAZ ABAD MAI H NO 5 STREET 02 DHOK MEHRAN POST OFFICE MORGAH DIN HOUSE STREET# 1 AMEER PARK D.C ROAD GUJRAN WALL D-472 SATELLITE TOWN RWP HOUSE # 314 ,STREET # 65 ,A-8/3 ,ISLAMABAD . E 109 SAJID JAMSHAID STREETS ATELITE TOWN RWP H NO 17 LANE NO 6 LALA ZAR 1M RWP HOUSE NO. 291/B, S ATELLITE TOWN, RAWALPINDI. H # B-100 ,22ND STREET KHY SEHAR ,DHA PHASE VI KAR 3520229108901 3630236220521 4230161746067 3410176027663 3520230667753 3630202014495 6110135622863 3630268187597 3310018686671 3740502485269 4220129829927 3520211292197 4220106627044 3520269082603 3520133628247 3520237956571 4230179344303 4230179344303 3520298453603 4220102777011 3520228326334 3630266622041 1730179380737 3520273467621 3740503179161 3520103001589 3310032990913 4210196739629 3410163225951 3630299138971 3740504241283 3410131840663 21253137357 6110161988985 3740504756493 3740539284865 3740550578037 4230111016961 5,623,876 2,999,860 1,961,418 2,199,783 1,374,171 13,994,621 13,801,357 1,996,514 1,459,632 1,259,726 526,973 1,198,665 898,506 5,998,908 4,623,270 3,498,977 2,215,963 3,394,450 2,459,668 2,963,202 2,120,556 8,398,564 8,279,014 6,799,562 4,945,282 5,299,772 3,929,091 8,385,859 6,093,799 2,760,828 1,932,964 1,489,778 1,130,318 4,499,749 2,680,862 4,499,749 2,680,862 1,499,532 1,149,508 472,259 429,546 7,794,942 5,840,828 6,799,220 6,227,974 1,697,302 1,024,307 12,597,210 826,507 11,770,703 999,017 258,376 666,232 158,768 434,197 1,623,553 308,851 35,778 4,504,121 4,697,267 2,614,833 414,328 752,378 670,948 1,810,117 438,537 905,634 3,729,019 740,641 1,993,392 1,327,160 11,499,250 11,340,482 1,683,290 1,249,093 5,269,959 3,646,406 2,594,493 2,285,642 1,398,455 1,362,677 18,994,072 14,489,951 19,871,904 15,174,637 9,899,168 7,284,335 1,655,939 1,241,611 1,850,912 1,098,534 2,499,398 1,828,450 20,984,147 19,174,030 1,694,245 1,255,708 2,587,021 1,681,387 13,645,494 4230127748724 9,916,475 13,645,493 5,663,117 3,662,761 584,943 5,619,246 1,315,996 2,634,730 1,655,939 717,388 9,899,168 4,263,790 19,871,905 8,055,630 (4,965,254) 18,994,072 7,813,639 (4,745,916) 1,398,455 35,778 2,860,314 4,229,147 1,683,289 685,998 (369,288) 11,498,912 1,310,246 (10,496,415) 2,824,557 999,018 424,788 2,015,941 2,425,168 966,447 7,794,942 3,380,695 472,259 42,713 1,499,532 649,930 4,017,831 4,000,000 1,489,778 623,732 2,760,828 1,148,574 (1,460,602) 8,385,859 3,546,493 2,036,940 6,799,561 1,471,419 (2,648,901) 8,398,543 961,705 (8,035,253) 1,159,835 3,394,450 1,386,755 4,234,955 1,979,304 1,198,665 519,531 745,972 1,996,514 835,538 13,994,619 1,584,459 (9,057,922) 2,852,105 1,071,589 5,600,000 1,450,024 5,155,498 596,204 (4,393,376) 2,499,571 1,051,575 (906,736) 5,958,923 698,812 (5,472,154) 739,906 14,809,090 5,670,323 534,361 226,438 -
760,799 20,479,413 739,906 1,185,581 2,644,410 1,358,326 1,450,024 5,600,000 1,071,589 2,852,105 6,521,156 2,832,052 745,972 1,718,196 1,979,304 4,234,955 4,781,205 1,159,835 1,324,995 5,622,079 2,036,940 11,932,352 2,448,800 2,113,510 4,000,000 4,017,831 2,149,462 514,972 11,175,637 966,447 2,425,168 2,015,941 1,423,806 2,824,557 2,312,743 1,999,999 4,229,147 2,860,314 1,434,233 22,061,795 22,962,281 14,162,958 2,373,327 2,634,730 1,315,996 5,619,246 584,943 3,662,761 19,308,610
121/A PIA EMPLOYES CO OPER ATIVE HOUSING SOCIETY 3520288528393 LH NVI 60 5 6 AL MADAD PAK COLONY TIMBER MARKET LHR HOUSE NO 162 29TH ST PHASE 4 DHA KHI 3520290395603
www.standardchartered.com.pk
999,234 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 SAEED AHMED RASHID KHAN Malik Muzafar Iqbal Bara IMRAN SHAHEEN SHEIKH ABDUL QUDDUS MUHAMMAD I LYAS Syed Naseem Hussain Jafree KHALID MAHMOOD KHALID MAHMOOD JAVAID ALI M SALEEM CH NAJAB AT HUSSAIN CH NAJAB AT HUSSAIN AZHAR HUSSAIN MUHAMMAD SOHAIL MASOOD AHMED ZAFAR MASOOD ABDUL RASHEED A LVI HAMID RASOOL KHAN ASIF ALI MUHAMMAD MUBEEN Muhammad Ilyas MALIK MUHAMMAD ASIF Qaiser Abbas Bukhari AZHAR MASOOD Javed Iqbal Gohar Javed Iqbal Gohar NASEER AHMED ANJUM ARA SHAUK AT HAYAT KHYZER H AYAT MUHAMMAD AMIN MUHAMMAD ARIF BUTT AMJAD KHAN IMRAN RIAZ JUNAID YOUNUS MUHAMMAD YAMEEN KHAN RAO MUHAMMAD SHAHID MOHSIN Abdul Rasheed Shama Asif IFTIKHAR ALI Muhammad Aqil Javaid Zahid Iqbal Khalid Mehmood Sardar Mohammad Zaheer Amjad Iqbal H # 19-5 ,MUGHAL ST # 1 ,BAHAR SHAH ROAD ,D-BLOCK H # 295 ,BLOCK -D ,PHASE 1 ,DHA LAHORE . FLAT # 203 ,2ND FLOOR ,SAIEMA HE AVEN BLOCK 4 ,GULS HOUSE # 651 ,BLOCK -W PHASE -III ,DHA LAHORE . HOUSE # 4 ,R AVI PARK ,QILA LAQSHMAN SINGH RAVI ROAD H # 130, BLOCK -G ,JOHAR TOWN LAHORE . 26/9 WARIS ROAD LAHORE OLD NATIONAL SCHOOL FOR THE DEAF, SATELLITE TOWN G 50-G/2, P.E.C.H SOCIETY KARACHI . HOUSE NO 87/2 DIG HOUSE OFF SHAHRA-E-IRAN CLIFTON HOUSE NO.P-140, STREET NO. 3, CHANDANI STREET, AL House # 258 DOHS-I Gujranwala Cantt House No.4 G reen Fort No.1 Raiwind Road, Lahore. R-45 SECTOR-11-B NO RTH KARACHI NEAR TELEPHONE EXCH H# 88-D Block#B PCSIR Phase 1 Lahore House # 211-B, Satellite Town Gujranwala House # 46-A St reet No 1 Chowk Makki Data Nagar, L (Old) House # 25, St reet # 4, Chaklala Scheme III, Roma Show room 1.5km Bypass Sialkot Road Gujranwal Plot No.2,Flat No. 01 2nd Floor Shalizar Plaza M House # 721 N Block Samnabad, Lahore. FLAT NO-121 PLOT NO-FL-10 MARINE DRIVE BLOCK-2 CLI 39 D Gulbe rg 2 Lahore HOUSE NO.384 NIZAM BLOCK, ALLAMA IQBAL TOWN LAHORE 15 Nishtar Block Allama Iqbal town Lahore 15 Nishtar Block Allama Iqbal town Lahore F 3/4 A Afghani Road Samanabad Lahore HOUSE NO. 62/I BLOCK - A PHASE - 1 D.H.A. LAHORE. HOUSE NO: 22,23,24 GULSHAN-E-ZAHOOR SECTOR 2/A JAC BARA TRADER & M.M. EMBROIDE RY OFFICE NO. 1 NIR ADI HOUSE NO. 14 - A/7 ILIM DIN STREET KOMBOH COLONY C H. NO. 57, STREET # 39, SECTOR F-10/4, ISLAMABAD. 3520115124221 3650201785926 4220193928205 3520108576323 3520242410111 3520240408347 3520204375181 3410105254053 4220104593615 4230189167333 3310090189803 3410120636961 3520225497894 4210113849785 3520226701353 3410178375549 3520227803605 3740594989917 3410194724701 3520257096009 3520226364085 4230151483593 3520213824787 NA 3520230199895 3520230199895 3520229594533 3520197219239 4230188439713 3520207399703 3520270258243 6110121110081 NA ARSHAD KHAN MALIK NAZOOR AHMED MALIK SHAHEEN ASIF SHEIKH ABDUL RAUF MIAN MUHAMMAD IBRAHIM NA MUHAMMED MOBIN SIDDIQUI MUHAMMED MOBIN SIDDIQUI Malik Muhammad Sharafat ALLAH BAKSH NA NA NA NA NA SHER MUHAMMAD AL HAJJ FAIZ AHMED MUHAMMAD RAFIQ KHAN SHEIKH RUS TAM ALI MUHAMMAD ASIF ALI AHMAD NA NUSRAT FAHMEEM ABDUL REHMAN NA NASEER AHMED Hayyat Khan RIAZ AHMED SHEIKH NA MUHAMMAD YASEEN KHAN RAO MUHAMMAD MOHSIN ALI KHAN ABDUL S ATTAR SAMEERA SHAFQ AT IJAZ ALI SANA ULLAH NA MIRAJDIN SARDAR NASEER Muhammad Sharif MOHAMMAD SHAFI HAJI MUHAMMAD BASHIR MALIK MUHAMMAD USMAN GHULAM ABBAS BUK NA CHAUDH RY SHABU DIN CHAUDH RY SHABU DIN 343,998 2,125,929 168,016 429,191 1,053,479 2,379,753 2,128,509 2,496,079 1,383,214 655,236 5,093,294 2,967,365 2,496,489 2,328,473 6,599,441 6,170,250 3,298,651 2,245,172 8,998,774 6,619,021 7,099,094 4,970,585 9,967,536 7,471,457 5,926,697 4,543,483 13,841,578 252,694 13,588,884 4,699,883 1,570,926 1,175,366 1,331,420 705,266 132,232 199,303 956,379 2,242,065 1,266,896 180,071 375,231 35,642 762,674 211,522 221,018 221,018 543,733 912,892 757,952 501,056 103,830 5,146,063 63,253 805,393 4,926,808 4,926,808 1,685,377 396,417 847,083 847,083 116,475 2,936,740 103,459 191,819 1,160,013 3,750,024 1,389,413 3,128,957 12,834,445 11,659,079 19,959,082 18,627,662 1,987,223 1,281,957 9,973,244 9,841,012 4,227,459 4,028,156 3,000,000 2,043,621 10,798,511 8,556,446 4,898,485 3,631,589 5,387,380 5,207,309 1,499,987 1,124,756 2,838,338 2,802,696 7,999,981 7,237,307 2,098,890 1,887,368 2,269,180 2,048,162 2,269,180 2,048,162 1,891,491 1,347,758 18,388,398 17,475,506 3,193,565 2,435,613 14,990,583 14,489,527 1,676,113 1,572,283 19,787,881 14,641,818 4,443,643 MADNI CENTER 3RD FLOOR MAIN AWAN TOWN LAHORE 3520256960197 78218 HOUSE NO. 1067 AMEER PURA GREEN ACERS FARM RAIWIND HNO 119-B KH-E- SHEHAR PHASE VI PAKISTAN DEFENCE O HNO 119-B KH-E- SHEHAR PHASE VI PAKISTAN DEFENCE O HOUSE NO. 76-77 BABAR STREET N ATIONAL PARK SANDA R H 95 ST 17 A CHAKLALA SCHEME 3 RWP 103 A ST NO 6 CHAKLALA 3 RWP 103 A ST NO 6 CHAKLALA 3 RWP 229- MUSLIM TOWN NO 1 SARGODHA RD FSD HOUSE# C-103 BLOCK-04 GULSHAN-E-IQBAL H # 1450, ST # 33 G-11/2 196-C, SHAH JAMAL COLONY, 696-MAIN BAGRIAN ROAD, GREEN TOWN LH # 10A ST # 2A PRAHIM NAGAR RI WAZ GARDEN HOUSE# 402-A SHADMAN 1 H NO 104, BLOCK H PHASE 4, DHA 3520014628003 4230108566689 4230108566689 3520259491553 3740523874491 3740503933467 3740503933467 3310007968663 4220154308785 6110117836189 3520235288157 3520230050089 3520202785027 3520271459093 3520121045887 4,380,390 9,995,995 9,190,602 10,270,000 5,343,192 10,270,000 5,343,192 4,695,970 3,010,593 1,698,265 1,301,848 2,539,677 1,692,594 2,539,677 1,692,594 8,195,524 8,079,049 12,096,088 9,159,348 7,185,013 7,081,554 13,889,974 13,698,155 4,639,636 3,479,623 14,499,889 10,749,865 8,198,910 6,809,497 10,992,394 367,419 10,624,975 3,445,152 8,198,910 1,389,413 14,499,890 5,933,211 (9,336,945) 4,639,635 2,009,129 (3,934,672) 13,889,611 1,565,832 (11,279,743) 5,420,487 4,724,212 8,203,463 952,552 (8,363,231) 2,439,676 1,059,103 (1,438,779) 379,676 1,059,103 1,698,265 736,070 4,000,000 1,934,782 2,067,101 2,259,279 4,443,432 521,038 (4,282,157) 19,787,881 7,444,710 (3,939,151) 1,676,112 190,716 (1,092,505) 14,990,583 1,693,454 (15,193,934) 3,193,564 1,309,859 (797,954) 8,000,022 1,891,491 795,587 563,113 551,759 709,794 3,054,725 3,748,519 439,131 (2,337,528) 1,499,986 627,076 (374,791) 5,387,381 625,035 (4,221,576) 4,898,486 2,069,536 10,798,511 4,401,767 (2,831,133) 755,831 1,126,760 9,972,850 1,088,973 (6,426,041) 2,823,156 860,810 3,637,064 4,699,883 1,978,052 (2,556,607) 13,841,578 252,694 2,288,050 9,967,536 4,320,275 7,099,093 2,953,170 5,975,563 1,256,873 6,599,440 725,647 (4,908,809) 741,082 2,806,198 1,408,935 -
1,408,935 2,806,198 741,082 2,416,278 1,256,873 5,975,563 10,052,263 14,287,811 2,288,050 14,094,272 4,121,328 3,637,064 860,810 2,823,156 4,635,782 1,126,760 755,831 12,369,145 6,968,022 1,790,840 1,752,271 1,850,122 3,054,725 709,794 551,759 563,113 2,687,078 8,000,022 3,705,469 1,490,103 774,323 23,293,440 682,313 2,259,279 2,067,101 1,934,782 4,000,000 2,434,335 1,438,779 2,060,000 792,784 4,724,212 5,420,487 4,175,700 2,714,092 11,096,156 9,588,323 3,445,152
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
2,294,356 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448 449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 JAMIL MOHAMMAD TAHIR NADEEM PERVAIZ ALI KHAN SAMI UZ ZAMAN TAZEEM KAUSAR ZAHEER UD DIN BABAR TAHIR N AWAZ MUNIR AHMED MUHAMMAD SADIQ MUHAMMAD TASNIM MUHAMMAD ISMAIL BH ATTI SHAN KHAN ALTAF HUSSAIN SALEEMI MANSSOR UL HAQ MUHAMMAD ALI CHAUD RY RIASAT ALI MUHAMMAD NASEEM H # 3, ST 3 12 SHALIM STREE T, SAHAR ROAD SUBLIME EXCLUSIVE LADIES WEAR COMITTE S T. MUHALLA 538 SHEET# 2 UPPER GIZRI HOUSE # 8,GANJ BAKHS ROAD BHAI BHAI STREET,ICHHRA HOUSE # 457-CC, PHASE-I V, DHA, D-1837 INSIDE SHAHALAM NEAR FAWARA CHOWK H # 15,ST # 48 ISLAMABAD COLONY REHMANI ST # 390/16, 390/15 N R HAFIZ BUILDING 3520154698015 3410170493023 4230158033755 3520227057519 3520121915388 3520233915253 3520236975609 3520108067075 M SADDIQUE NA SHER ALI KHAN CH MAHMOOD NA NASEER UDDIN CH RAB N AWAZ CH NAZIR AHMED CHUHAD RY MUHAMMAD SHARIF HAJI GHULAM NABI NA SULTAN HASSAN KHAN NA NA NA NOOR HASSAN ALI MUHAMMAD 45,078 769,355 398,935 831,770 4,011,177 2,249,278 5,089,728 4,320,373 7,913,635 7,514,700 2,597,638 1,765,868 6,961,150 2,949,973 19,996,327 5,725,289 14,271,038 8,133,032 2,453,843 718,340 42,363 46,999 963,109 405,876 304,837 2,259,960 2,119,478 1,002,143 103,063 1,105,835 4,288,866 3,299,188 1,350,039 614,628 5,679,189 2,316,687 1,598,347 2,976,077 STREET# 20 HOUSE# 2 MOHALLAH EMPRESS PARK BIBI 3520206393495 PAK HOUSE NO.133-S BLOCK MODEL TOWN P-111, AL AZIZ STREET FACTORY AREA H# 14 STREET# 1 HE AVEN HAB TAT CANNAL ROAD KEHKASHAN ST # 10, NEAR BASHISH T-E-ZAHRA 227-B PEOPLES COLONY H # 1227/8-B MUHALLAH SHAFI PURA P-12 SARFARAZ COLONY NIAN ROAD 436/24 ST # 5 ANAR COLONY 3520222031899 3310042449205 3310075010961 3630251390683 3520216024325 3630299684315 3310018686671 3630299169443 3410151926461 3310043972289 3310070043423 3630254092823 3310009622967 3650247699753 3540411458357 3660311870937 3120317179705 2,933,714 3,322,825 3,275,826 9,666,645 8,703,536 4,269,223 3,863,347 3,050,000 2,745,163 6,597,537 4,337,577 6,008,745 3,889,267 3,879,110 2,876,967 7,240,248 7,137,185 2,603,967 CH. MUHAMMAD NAEEM SAFDAR WARRAICH P.O LADHE WALA LADHE WALA WARRAICH REHMAN WE AVING MUHAMMAD KAHALID SHAHBAZ MUHAMMAD SIDDIQUE LIAQAT ALI WE AV RANA JAVED IQBAL MUHMMAD ASHRAF BUTT RANA MUHAMMAD SALEEM AKH TAR MUHMMAD SHHABIR AFZAAL AHMED AFZAL MUNEER HUSSAIN MIRZA AHMED TARIQ BAIG ZAFAR ABBAS SHEIKH MUHMMAD ASLAM ALLAH YAR MUHMMAD J AWED CH.TALIB HUSSAIN JAVID IQBAL MALIK GHULAM YASEEN M.MUHAMMAD IBRAHIM MIAN NASEER AHMED GHULAM RASOOL SABIR MUHAMMAD TASLEEM KHAN MUHAMMAD TASLEEM KHAN MAHER FALAK SHER ABUDL KHALIQ ZAHOOR AHMED MOHAMMAD YASIN MUHAMMAD TARIQ CH. MUSH TAQ AHMED AMIR BILAL MUHAMMAD IJAZ HOUSE NO. 1241/D, RAB SHAH CHOWK GHULAM MUHAMMAD HOUSE NO P-60 STREET NO1 SAR FARAZ COLONY PEOPLES C 454-FC,ST # 01 MASHALLA MANZIL , ANSAR COLONY CHAK # 67J.B;SIDHAR, JHANG ROAD, FAISALABAD NOOR SHAH ROAD SAHI WAL. ZAKA NOUMAN AND CO, GHALLA MANDI SHEIKHUPURA NAYA SAWARA SHOP # 11 GREEN MARKET VEHARI HASSAN MARKET TEHSIL BAZAR HASIL PUR CHAUDHA RY MUHAMAD SAFDAR WARRAICH NA NA NA ABDUL RASHEED RANA MUHAMMAD KHAN MUHMMAD ASLAM BUTT HAJI RANA MUHAMMAD ALI KHAN HAHI DIN MUHMMAD GHULAM ALI BASHIR AHMED MIRZA N AWAB BAIG GHUZAN FAR ALI SHAH NAZIR AHMED FAZAL YAR MUH FAIZ MUHAMMAD NA HAJI ALLAH WASAYA FAZAL DEEN NA CH UMER DIN NA NA NA NA NA NA MOHAMMAD HANIF CHAUD RY MAKHAN NA NA 1,498,132 13,994,851 9,705,985 11,428,960 8,129,772 4,436,838 3,086,799 8,145,928 7,531,300 29,729,065 3,355,246 26,373,819 15,902,643 1,199,887 14,702,756 2,596,390 658,732 224,491 4,671,037 165,037 1,612,106 835,235 523,460 573,176 773,175 1,213,226 257,678 268,615 1,591,208 584,975 564,498 642,462 642,462 989,018 200,049 62,361 1,937,658 1,027,208 802,717 18,297,955 GHALLA MANDI, PATTOKI.DIST T.KASUR. PH.0494-420843 3510313695213 7/8 JAMIA MASJID GHALLA MANDI VEHARI QAUID-E-AZAM ROAD KEHROR PACCA GREEN HOUSE, LAHORE ROAD TEHSIL CHINNIOT 4-B GHALLA MANDI VEHARI 067-3364371 MEHAR AGRO SE RVESES, CHOWK ALLAH WARAY WALA, MAIL KHAWAR AGRO SE RVICE THANA ROAD MITTRO MAILSI DIST JAWAD BROTHERS GRAIN MARKET JAHANIA COLONY CORPOR ATION MAIN BAZAR HASILPUR FAISAL AGRI CENTRE SHUJABAD ROAD ADDA LAR TEH MUL DISPOSAL ROAD SHARQPUR 3660314659355 3620204685005 3320149541009 3660314642385 3620209257431 3660247916155 3610102728415 3120362119655 3630231459695 3520282497755 13,626,918 779,434 614,397 4,977,942 3,365,836 2,671,942 1,836,707 2,090,914 1,567,454 3,096,012 2,522,836 4,489,354 3,716,179 4,888,058 3,674,832 999,261 741,583 1,183,967 915,352 5,182,983 3,591,775 2,784,507 NASEER ENTERPRISES GULZAR CENTRE OP P. GENERAL 3630204469975 BUS KISSAN HERI YALI CENTRE DUNYA PUR ROAD BASTI MALOO 8-B,MASJID MARKET GRAIN MARKET VEHARI 8-B,MASJID MARKET GRAIN MARKET VEHARI MAHER & CO , RAI LWAY ROAD SUJAHBAD DISTT MULTAN OLD LUDDEN ROAD KARAMPUR TEHSIL MAILSI DISTT VEHA Z.A. TRADING COM PANY, KHARAL MARKET BY PASS ROAD, GHALLA MANDI, SHEIKHUPURA QARTABA AGRO SE RVICES, RAI LWAY ROAD SHUJABAD AREA MANGA QILA NEW MANGA MANDI PIND POST OFFICE 51-B GRAIN MARKET VEHARI OFF/0673365246 NAZEER CORPOR ATION QUAID-E-AZAM ROAD KEHROR PACCA 3630378732345 3660359057017 3660359057017 3630448638865 3660290596387 3130312187389 3540439244305 3630443481431 3520204175857 3660314637477 3620209175297 2,199,532 7,796,400 7,231,902 2,677,917 2,035,455 2,677,917 2,035,455 3,320,903 2,331,885 682,000 481,951 2,073,030 2,010,669 19,264,818 266,045 18,998,773 2,194,990 130,206 12,455 1,156,570 366,045 2,064,784 874,549 862,094 5,180,086 4,023,516 1,575,048 1,209,003 1,575,048 578,094 5,180,087 2,009,794 874,003 83,628 (376,926) 1,048,602 19,264,810 2,033,097 (12,035,349) 700,869 682,000 260,925 (177,925) 3,320,904 1,285,443 2,677,917 1,016,945 1,002,990 1,074,856 2,784,507 1,086,187 (666,233) 5,908,756 883,967 445,225 (247,218) 999,261 377,425 (187,241) 4,888,058 1,871,306 1,512,621 632,269 1,040,914 745,498 105,762 3,701,034 6,884,633 779,434 293,419 18,297,956 6,089,124 (21,411,080) 686,098 2,596,390 969,872 (504,370) 12,531,135 33,084,312 3,815,708 3,217,781 11,428,960 4,319,340 19,325,855 3,649,513 7,239,311 756,862 (5,946,858) 3,879,110 1,466,998 (1,115,028) 3,518,222 2,654,668 1,236,052 1,365,955 1,383,187 3,191,934 374,291 (2,337,528) 2,975,940 345,699 (2,515,765) 2,316,687 948,104 (1,810,871) 8,133,032 3,398,612 (2,914,324) 19,996,327 8,387,814 (22,708,141) 7,181,773 3,214,826 1,505,789 933,584 2,294,356 266,518 (1,921,355)
639,519 933,584 1,505,789 3,214,826 7,181,773 5,676,000 8,617,320 1,453,920 805,874 1,228,697 1,383,187 1,365,955 1,236,052 2,654,668 3,518,222 4,231,080 2,049,315 3,649,513 19,325,855 15,748,300 3,217,781 3,815,708 33,084,312 12,531,135 3,061,892 686,098 2,976,000 1,072,853 6,884,633 3,701,034 1,892,174 632,269 1,512,621 6,759,364 1,189,445 1,081,974 5,908,756 3,204,461 1,074,856 1,002,990 3,694,862 4,606,347 765,000 700,869 9,262,558 1,048,602 580,705 7,189,881 2,153,142
www.standardchartered.com.pk
5,558,601 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491 492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 515 516 517 518 519 520 KHALID AZIZ DILSHAD AHMED SHARIQ AN WAR HUSNAIN AHMED SAEED AKH TAR SHOAIB AFROZE MOHAMMAD YASIN ARSHADI NAVEED IQBAL KHIZER H AYAT TARIQ SALEEM REHMAT ALI MUHAMMAD HAZZAQ NAYA SAVERA MATTITAL ZARI CENTRE MUHMMAD J AVAID ASHRAF ALI AYUB DURRANI MUHAMMAD SULMAN MUHAMMAD SHAHBAZ MUHAMMAD ASHIQ MUHAMMAD J AVED JALAL SHAHZAD ALI MEHRUNISA SAIMA MAZARI SHEIKH MUHAMMAD KHALID RAFI SHEIKH MUHAMMAD KHALID RAFI NAEEM RASHID MIAN SHAHBAZ MOHY UD DIN KARIM KHAN SHEIKH MOHAMMAD IR FAN EJAZ KHALID DR.SHAHIDA YAHYA JAN AMIR MAJEED SYED RAFIA KHALID JAVAID MALIK MUHAMMAD AF TAB SALEEM MIRZA M AKBER BAIG RIAZ AHMED FAHAD ALI KHAN QAISER L ATIF SAEED AHMED BABAR MAHBOOB MUHAMMAD AFZAAL TAHIR AJAZ HASSAN TAHIR AJAZ HASSAN SYED SHAKIR HUSSAIN RIZVI ARSHAD MAHMOOD M.SHAHBAZ HAMID MEHMOOD MIR MAIN BAZAR HASILPUR OFF/0622441141 FADDAH CHOWK MAILSI RES/0673751490 GHALLA MANDI RAHIM YAR KHAN 47-B GREEN MARKET VEHARI OFF/0673363898 90-B IQBAL ROAD VEHARI OFF/0673366373 SHARWANI TRADERS ALLAMA IQBAL MARKET MAILSI CHAUDHA RY TRADERS CHOWK DOKO TA TEH MAILSI DISTT V MAIN BAZAR HASILPUR OFF/0622448382 KHARAL ZARI CORPOR ATION LUDDEN ROAD KARAM PUR TEH 39/B GRAIN MARKET VEHARI OFF/0673363060 PHOOL ZARI CORPOR ATION, SABZI MANDI , GT ROAD, KA REHMAT TRADERS ADDA VANJARI NAYA SAVERA NEAR CHUNGI NO.14 BAH AWALPUR ROAD MU KAHKASHAN ST # 5, NEAR SHOUK AT HOMES, PIPPLI ROAD, ADDA MIAN PAKHI HOUSE L-27, SECTOR 5A-3, NO RTH KARACHI, KARACHI. CALPAK TECHNOLOGIES/COMPUTER MALL 1-3/A 100HABIB H NO 580-J MUHAMMAD ALI JOHER TOWN LAHORE. 5321116 38/12 ICHRA ROAD NEAR USMAN BAZAR LAHORE HOUSE 8 STREET 2 PIR MAKKY R AVI ROAD LAHORE H.NO 1, ST 2, M ATARANI ICHRA LAHORE. HOUSE 1/2 STREET NO 39 GLANI STREET RASOOL PUR 138 EDEN EVENUE DEFENCE ROAD CANTT LAHORE. 5728274 H. NO. P-316 HAMZA CHOWK, KH AYABAN COLONY 2, FAISA H. NO. P-316 HAMZA CHOWK, KH AYABAN COLONY 2, FAISA HOUSE NO 8, IR FAN STREET SANDAN KALAN LAHORE. H.NO 14 A Q BLOCK GULBERG II LAHORE 03008452993/57 ADENWALA HEIGHTS PAINT HOUSE FL 701, 7TH FLOOR G 154-A MIRAJ STREET HABIB ULLAH ROAD LAHORE. 631583 FLAT 306 3RD FLOOR WONDER TOWER BLOCK-B OPP SI 3120317179613 3660274889425 3130323801059 3660357630447 3660314612469 3660210484073 3660250071303 3120316965971 3660332102349 3660348544267 3410271181245 3610404985593 3630202714445 3630284801395 3660363635299 50289523363 6110137894129 3520242418733 3520227304163 3520225248109 3520228089809 3520225435907 27056544802 3310041294925 3310041294925 3520273308871 3520227574761 4220102427743 3520265072121 3520227454779 NA NA NA HAJI AHMED YAR KHAN NA NA NA NA NA MUHAMMAD SHARIF MISKEEN ALI REHMAT ULLAH SULTAN AHMED FIDA HUSSAIN HURAJ CHOTOO KHAN NA 949,366 1,850,086 339,785 611,795 400,085 3,074,724 230,542 357,990 625,393 312,785 341,910 740,703 594,536 292,545 132,070 146,263 2,944,015 209,293 1,375,948 320,360 499,337 157,873 765,205 1,155,848 1,155,848 234,509 146,195 210,305 529,526 420,942 1,199,121 265,613 324,765 1,036,846 1,482,926 675,948 235,861 1,071,465 296,123 615,139 1,144,540 1,144,540 807,090 151,940 1,212,399 3,480,176 3,708,515 1,339,185 999,400 18,696,837 18,085,042 1,217,419 817,334 9,356,702 6,281,978 908,681 678,139 1,199,232 841,242 1,739,896 1,114,503 937,918 625,133 1,276,388 934,478 2,897,569 2,156,866 7,879,658 7,285,122 1,116,182 823,637 7,999,749 7,867,679 981,123 834,860 949,366 17,883,263 MOHAMMAD ASLAM KHAN DURRANI 14,939,248 NA SIRAJ DIN CH M BO TA CH JALAL UD DIN ZULFIQAR ALI NA SHEIKH MUHAMMAD RAFI SHEIKH MUHAMMAD RAFI NA MIAN GHULAM MOHIUDDIN JAFFER ALI KARIM SAC HAJI MUHAMMAD SHARIF ALI ZAKI NA NA KHALID PE RVAIZ MUHAMMAD ASLAM MALIK CH MOHAMMAD ZESHAN QAYYUM ASLAM MIRZA MEHBOOB BAIG CHANAN DIN MOHAMMAD YOUNUS KHAN CH MUHAMMAD L ATIF NA MEHBOOB ILAHI WALI MOHAMMAD AIJAZ HASSAN AIJAZ HASSAN S SHOKAT NA SIRAJ DIN GHULAM MOHY UD DIN 3,043,705 6,637,415 2,247,586 2,604,098 2,278,939 5,081,688 4,801,529 4,801,529 1,570,551 1,457,070 1,225,148 2,652,288 2,865,779 2,165,735 7,126,585 2,266,929 1,498,876 4,157,894 8,381,292 3,613,363 1,240,722 18,011,550 5,810,199 4,430,757 1,378,029 2,549,940 5,225,402 5,225,402 3,792,144 711,224 5,639,000 8,797,222 3,252,998 8,013,363 2,567,946 3,103,435 2,436,812 5,846,893 5,957,377 5,957,377 1,805,060 1,457,070 1,371,343 2,862,593 3,395,305 2,586,677 8,325,706 FLAT 10, 101 WEST WIND ES TATES FL-11, CLIFTON, K HOUSE AS-17 ROW III BLOCK-A KDA SCHEME 33 GULZAR-E HOUSE NO 792 BLOCK-Z, PAHSE III, DHA LAHORE. 574 H.NO 5 STREET 1 JUSTICE SHAREEF SCHEME SAMNABAD H.NO NA 470/471 , 7TH ROAD NEW MALPUR RAWALPINDI. H.NO D 1 , REHMAN VILLAS SHAH KH AWAR TOWN, LAHORE GALI 16 2 D , QADRI STREET J AVED MARKET MOHAMMA H.NO 55/1 B 5 21ST STREET OFF KHY E MUJAHID PHAS H NO 35/5 STREET 1 CROWN PARK BAGH BAN PURA LAHOR HOUSE NO. 61 B, STREET NO.156, CHOWK BABA AZAM, IC HOUSE 8 UNION PARK SAMANABAD LAHORE 03004815489/7 HOUSE NO. 25 STREET NO. 43 PAK COLONY TIMBER MARKE H 165/L-3 BLOCK-3 PECHS NEAR FAIZE I AAM HOSPITAL H 165/L-3 BLOCK-3 PECHS NEAR FAIZE I AAM HOSPITAL H.NO.A-144 BLOCK-I NO RTH NAZIMABAD NEAR FIVE STAR UBL ZA FARWAL DISTRICT NARO WAL AND FAMILY AT ADDRE 38/12 ISHRA ROAD USMAN BAZAR ISHRA LAHORE 0300944 H 199, D-BLOCK EME HOUSING SOCIETY MU LTAN ROAD, LA 4230168315725 4220137742282 3520015155799 3520229969331 3740552254987 3520153616805 3520162080905 4230129904893 3520158889997 3520229029401 3520268371563 3440216207933 4220116086365 4220116086365 4210156334385 3410185989983 3520227304163 3520111333915 2,532,542 1,823,641 5,194,740 9,864,218 4,289,311 1,476,583 17,988,255 (23,295) 6,881,664 4,430,757 1,674,152 3,165,079 6,369,942 6,369,942 4,599,234 863,164 6,851,399 12,277,398 7,012,913 3,834,662 540,244 2,570,166 3,159,815 3,463,210 842,573 1,071,213 961,841 1,762,614 1,362,651 930,462 2,796,580 5,460,009 3,194,744 1,108,369 926,006 8,287,730 960,697 2,218,024 3,113,076 821,429 729,132 522,871 2,458,063 1,220,419 6,154,851 509,098 1,147,658 2,828,706 3,776,894 531,291 11,804,519 658,606 981,123 322,865 1,909,670 648,591 552,442 2,897,569 1,087,935 1,276,389 494,867 (241,256) 731,000 2,388,193 1,077,429 465,742 (195,704) 908,681 339,435 (164,139) 12,542,681 1,531,746 6,281,983 1,339,185 500,267 (245,862) 7,474,782 -
7,474,782 1,593,590 6,281,983 1,531,746 12,542,681 1,083,977 1,347,467 2,388,193 731,000 1,530,000 3,985,504 552,442 648,591 1,909,670 1,303,988 658,606 11,804,519 531,291 3,776,894 2,828,706 1,147,658 509,098 6,154,851 1,220,419 2,458,063 522,871 729,132 821,429 3,113,076 2,218,024 960,697 8,287,730 926,006 1,108,369 3,194,744 5,460,009 2,796,580 930,462 1,362,651 1,762,614 961,841 1,071,213 842,573 3,463,210 3,159,815 2,570,166 540,244 3,834,662 7,012,913
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
30,699,468 521 522 523 524 525 526 527 528 529 530 531 532 533 534 535 536 537 538 539 540 541 542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558 559 560 561 562 563 564 565 566 567 568 569 NAMRA SHAHID MAQSOOD MOHAMMAD N AVEED TAUSEEF RAZA TAUSEEF RAZA MOHAMMAD ASIF MUSH TAQ SALEEM ANEES AHMED GHULAM QADIR ASIF MALIK AZAM ALI TOOR TAHIR ALI CH.TANVEER AHMED MUHAMMAD AZHAR ALI SHEIKH MUHAMMAD NASARULLAH SHAHID ABBAS AIJAZ ALI HAFIZ MOHAMMAD ISHAQ FEROZUDDIN GHOURI & OR FAYSAL NIAZ KARIM IBRAHIM PARDHAN DODA KHAN BHUTTO DODA KHAN BHUTTO MUSH TAQ AHMED NAUSHAD JAMIL USMAN JAVED IQBAL KHAN MOHAMMAD SALEEM MUHAMMAD FAROOQ MANSOOR WAHID IRFAN WAHID AZRA SYED SHABBIR HUSSAIN NAQVI EJAZ ALI KHAN SABIHA JUNAID FAROOQI ABBUL HASSAN ABBUL HASSAN MOHAMMAD SALMAN MUHAMMAD AKBAR ARAIN IMRAN SABIR HAMZA TARIQ SAIGAL HAMZA TARIQ SAIGAL MOHAMMAD FAROOQ MOHAMMAD FAROOQ FAHEEM AHMED YASMEEN AHMED ZENOBIA RAZA BAIG KHALID RASHEED MAHMOOD UZZAMAN KHAN MAHMOOD UZZAMAN KHAN RASHID AKHTER SHEIKH MOHAMMAD ARSHAD JABBAR KHALID MEHMOOD 57/4, KHAYABAN E BOKHA RY PHASE VI DHA KARACHI NEAR DEFENCE VIEW 2 BUNGLOWS K/9 PLOT 27/9 DEH DHI HOUSE NO. 5/2 HAIDER STREET SHAM NAGAR CHOUBURJI L HOUSE NO. 5/2 HAIDER STREET SHAM NAGAR CHOUBURJI L H.NO 07 ST 03 MUS TAFA PARK SHAHLIMAR LINK ROAD, LAHORE HOUSE 60 SHAR FABAD STREET NO. 4 BLOCK-3 BAHADURA FLAT A-105 1ST FLOOR HAMI LTON COU RT BLOCK-7 CLIFTON HOUSE A-28 SECTOR-V SUB SECTOR-II GULSHAN-EMAYMAR HOUSE NO. 206 NASH TAR BLOCK ALLAMA IQBAL TOWN LAHO HOUSE NO. 10 ZUBAIDA PARK MU LTAN RD LAHORE. 755278 H.NO 285 B MODEL TOWN GUJRAN WALA 03008641007/3257 48/2, BANK COLONY INDAR NAGAR BAS TAMI ROAD SAMANAB PRIME BEACH VIEW ARCADE FL AT 501 5TH FLOOR BLOCK HOUSE 338 NARGIS BLOCK ALLAMA IQBAL TOWN LAHORE. 4230118142030 4220105527847 3520258428177 3520258428177 3520116047039 4220144305065 4520898455391 4210117505007 3520281009105 3520270700129 3410124823339 3520263107309 3520154122303 3520260662785 S SHAHID MAQSOOD MUHAMMAD NASEEM MUHAMMAD L ATIF MUHAMMAD L ATIF MUSH TAQ AHMED ANIS AHMED MUNEER AHMED MOUGHAL CHARAGH UD DIN MALIK AZAM ALI TOOR NA BASHEER AHMED SHAD MUHAMMAD ASLAM ALI NA NA GHULAM MUS TAFA MUHAMMAD RAFI NA IBRAHIM PARDHAN RIZWAN AHMED RIZWAN AHMED QAMARUDDIN MOHAMMAD USMAN IQBAL AHMED KHAN AYUB NA ABDUL WAHID ABDUL WAHID NADEEM LIAQU AT MUHAMMAD HUSSAIN NAQVI IFTIKHAR ALI KHAN MOHAMMAD JUNAID FAROOQI LATE SULTAN ALI LATE SULTAN ALI NA NA MOHAMMED SABIR NA NA NA NA MOHAMMAD AHMED KHAN HASSAN BHARD AY NA CHOUDA RY ABDUL RASHEED QAMAR UZZAMAN KHAN (L ATE) QAMAR UZZAMAN KHAN (L ATE) ABDUL QADEER KHAN JABBAR QURESHI NA 26,141,606 5,770,844 4,911,280 4,911,280 678,231 3,172,474 5,791,774 3,727,703 9,870,828 9,553,453 2,669,874 1,465,649 12,188,723 5,730,377 2,189,824 3,050,031 709,681 11,942,239 11,231,629 11,231,629 1,654,382 5,008,785 18,053,116 7,388,801 2,737,667 10,842,539 19,205,335 798,090 990,447 8,477,289 9,112,612 5,338,994 5,338,994 1,696,622 10,871,492 5,945,271 19,478,414 19,478,414 4,016,788 4,016,788 2,180,123 2,956,367 1,368,889 4,882,292 6,527,850 6,527,850 19,008,044 5,122,139 5,066,447 4,557,862 730,908 1,120,209 1,120,209 100,964 21,601 1,303,509 550,505 2,356,294 1,696,607 537,063 293,400 4,233,516 1,381,100 243,611 451,833 2,301 1,605,097 3,118,129 3,118,129 429,813 1,189,496 142,483 205,394 158,844 194,120 978,709 202,619 181,110 82,375 76,158 76,158 344,232 122,172 212,675 1,022,007 1,022,007 96,176 96,176 30,540 427,649 100,265 365,465 296,089 296,089 4,073,668 1,210,821 1,278,125 6,501,752 6,031,489 6,031,489 779,195 3,194,075 7,095,283 4,278,208 12,227,122 11,250,060 3,206,937 1,759,049 16,422,239 7,111,477 2,433,435 3,501,864 711,982 50257058933 4230178588101 4230120449815 4230120449815 4220196310317 4220166755321 4230156619827 4230107769589 3520247743659 4230164373399 4230134924421 4230109811488 4240156022773 4210117982611 4220191844302 4220176176265 4220176176265 13,547,336 HOUSE # 108 KHY E SHUJJ AT PHASE 6, DHA HOUSE 3 8, B/1, 28TH STREE T, OFF KH AYABAN E SHAMSH HOUSE 3 8, B/1, 28TH STREE T, OFF KH AYABAN E SHAMSH HOUSE NO. B - 22, BLOCK - 3, GULSHAN-E-IQBAL, HOUSE# A-61/2 GULIS TAN-E-JOHAR BLOCK-14 37 / II, MAIN KH Y-E-BAHARIA PHASE V, D.H.A. SHOP # 280/26-B, L ATIF CLOTH MARKE T, M.A JINNAH R H # 2/9, ST # 37, MOH QILA MOHAMMAD, R AVI ROAD HOUSE # 91/2 SABA AVENUE PHASE 5,EXT DHA HOUSE # 91/2 SABA AVENUE DHA PHASE V EXT APARTMENT # 1,FIRST FLOOR,PLOT # C- 26TH BADAR COM HOUSE # F-68,JAFRIA MASJID MANGHOPIR ROAD QASBA T APPARTMENT # TP-8, 5TH FLOOR, ,MALL SQUARE,BLOCK-B B-99, BLOCK# 6 GULSHAN-E-IQBAL PLOT# JM 135 ROSE GARDEN 2ND FLOOR FL AT#205 BURGAR PLOT# JM 135 ROSE GARDEN 2ND FLOOR FL AT#205 BURGAR 14,349,758 14,349,758 2,084,195 6,198,281 18,195,599 7,594,195 2,896,511 11,036,659 20,184,044 1,000,709 1,171,557 8,477,260 (29) 9,194,987 5,415,152 5,415,152 2,040,854 10,993,664 6,157,946 4220141546067 4230123560607 4230123560607 4230188359257 4230188359257 4220194238389 4210196506709 4220105445366 4220175124543 4230194082011 4230194082011 4130433055785 4220117526583 4230109987285 20,500,421 HOUSE # 128/3 27TH STREE T,KHAYABAN-E-BUKHARI PHAS HOUSE # 128/3 27TH STREE T,KHAYABAN-E-BUKHARI PHAS FLAT # 13,SANA HEIGHTS KMCHS, JUSTIC INAMULLAH ROA FLAT # 13,SANA HEIGHTS KMCHS, JUSTIC INAMULLAH ROA APPT# B-311 3RD FLOOR BIL LY`S PARADISE PHASE II BL R-343 SECTOR# 15-A-5 , BUFFER ZONE NO RTH KARACHI A-113, BLOCK # 4, GULIS TAN-E-JOUHAR, HOUSE# B-28,STREET# 25, MODEL COLON Y, F-33 CLIFTON BLOCK-5 F-33 CLIFTON BLOCK-5 74/B, 33RD STREET PHASE V, EXTENSION KH YABAN- ES FLAT # D - 27, NOMAN HE AVEN, 4TH FLOOR,B / 15, GU HOUSE # 194/1, GALI-20, ROAD G, BIHAR COLON Y, LIY 20,500,421 4,112,964 4,112,964 2,210,663 3,384,016 1,469,154 5,247,757 6,823,939 6,823,939 23,081,712 6,332,960 6,344,572 3,246,167 2,620,148 11,193,852 1,744,718 1,371,146 976,631 676,608 1,146,950 656,354 711,570 1,284,163 3,727,504 1,862,917 2,092,352 1,094,593 749,229 644,740 1,605,111 1,181,975 607,433 527,764 655,163 9,264,891 1,710,935 712,600 756,795 7,489,744 6,671,710 1,323,698 7,648,182 9,713,317 2,803,349 584,018 1,048,604 1,474,131 2,171,124 10,976,540 1,719,667 1,733,057 11,040,000 6,681,928 3,655,000 2,446,924 576,735 873,030 500,000 3,318,165 5,529,505 16,982,011 -
16,982,011 5,529,505 3,318,165 500,000 873,030 576,735 2,446,924 3,655,000 6,681,928 11,040,000 1,733,057 1,719,667 10,976,540 2,171,124 1,474,131 1,048,604 584,018 2,803,349 9,713,317 7,648,182 1,323,698 6,671,710 7,489,744 756,795 712,600 1,710,935 9,264,891 655,163 527,764 607,433 1,181,975 1,605,111 644,740 749,229 1,094,593 2,092,352 1,862,917 3,727,504 1,284,163 711,570 656,354 1,146,950 676,608 976,631 1,371,146 1,744,718 11,193,852 2,620,148 3,246,167
BUNGLOW NO C 331 PRIME VILLAS GULIS TAN E SAJJAD 4120148558749 H H.NO 25 STREET 5 MOHALLAH MURADPURA HOSPI TAL RO GHOURI PLOT B 112 BLOCK 10 A, SCHEME 24, GULSH 3520171320777
FLAT # A-104/A GREY GARDEN BLOCK 16, GULIS TAN-E- 4250114296809 J APARTMENT # A - 13, 4TH FLOOR, AAMIR SQUARE, MOOS HOUSE # 55-S BLOCK 6 PECHS 4230197763275
www.standardchartered.com.pk
6,344,572 570 571 572 573 574 575 576 577 578 579 580 581 582 583 584 585 586 587 588 589 590 591 592 593 594 595 596 597 598 599 600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 KHALID MEHMOOD MUHAMMAD KHALID YOUNUS KAMAL YOUNUS KAMAL MOHAMMAD SALEEM MEHMOOD MANSOOR ALI MOHAMMAD AMIR MOHAMMAD AMIR GULZAR AHMED GULZAR AHMED MUHAMMAD AZAD MOHAMMAD AZIZUDDIN MOHAMMAD AZIZUDDIN MOHAMMAD J AVED MUNIR AHMED WASEEM SAAD AT SYED AHMED OBAID JAWAID MAHMOOD IQBAL MUNIR IQBAL MUNIR HAMMAD HASSAN CHEEMA HAMMAD HASSAN CHEEMA ANAS MUS TAFA GHULAM SAFDAR RASOOL MUHAMMAD HASHIM SIDDIQUE MUHAMMAD MOEEN SAFDER MUHAMMAD MOEEN SAFDER ABDUL RASHID ABDUL RASHID ABDUL RASHID MUHAMMAD ARIF MUHAMMAD ARIF MUHAMMAD HASHIM ASAD ALI MALIK ASAD ALI MALIK ABDUL RASHEED AYAZ KHAN AYAZ KHAN MUHAMMAD IQBAL ATARA ZAMIN RAZA ZAMIN RAZA SYED MOHAMMAD NADEEM SHAH BUKHARI SAALIM SALAM ANSARI SAALIM SALAM ANSARI UMER H AYAT AMIR NAFEES CHEEMA MUSH TAQ AHMED SHAKIR SABBIR MASHKOOR AHMED KHAN HOUSE # 194/1, GALI-20, ROAD G, BIHAR COLON Y, LIY HOUSE # 528, BLOCK # III, ZINDA PIR STREE T, MASAN R-1,ROW Z-2,BLOCK# 10-A, GULSHAN-E-IQBAL, R-1,ROW Z-2,BLOCK# 10-A, GULSHAN-E-IQBAL, FLAT# 508, ANA CROWN PALACE, 64/4 NISH TAR ROAD,GA FLAT # 45, GULSHAN-E-ALI, E - III / 4, NAZIMABAD HOUSE B-78 BLOCK 12 GULIS TAN E JOHAR HOUSE B-78 BLOCK 12 GULIS TAN E JOHAR E - 33 / 1 BLOCK - 4 GULSHAN IQBAL, E - 33 / 1 BLOCK - 4 GULSHAN IQBAL, GULSHAN PLAZA, 1ST FLOOR, FUTURE FOCUS INTERN ATION 4230109987285 4240119108731 4210118694547 4210118694547 4230115819745 4210116565411 4220153216627 4220153216627 4220173302415 4220173302415 3740505285241 NA ABDUL HAMEED NA NA SULEMAN MANSOOR ALI VIRANI MOHAMMAD ISHAQ MOHAMMAD ISHAQ NA NA ABDUL AZIZ NA NA ABDUL AZIZ JAMIL TALIB M SAAD AT ALI MIR MAKHDOOM ALI MAHMOOD MANZOOR NA NA MOHAMMAD ASLAM MOHAMMAD ASLAM HASSAN ABBAS GHULAM RASOOL NA SAFDER HUSSAIN SAFDER HUSSAIN ABDUL KARIM LAKHANI ABDUL KARIM LAKHANI ABDUL KARIM LAKHANI SHER BAHADUR SHER BAHADUR M QASIM MALIK M IQBAL MALIK M IQBAL NA SHAIKH AMEER MOHAMMAD SHAIKH AMEER MOHAMMAD NA NA NA SYED MOHAMMAD SAEED SHAH BUKHARI MOHAMMAD ABDUL SALAM ANSARI MOHAMMAD ABDUL SALAM ANSARI MUBARAK HUSSAIN CHAUDH RY NAFEES CHEEMA MOHAMMAD HUSAIN SABBIR ALI SHABBIR AHMED KHAN 5,066,447 2,883,159 16,675,269 16,675,269 5,736,640 1,405,911 9,625,302 9,625,302 14,000,164 14,000,164 4,854,104 4,949,667 4,949,667 1,009,580 1,076,960 2,833,241 19,686,383 2,094,148 17,221,413 17,221,413 5,427,218 5,427,218 5,040,795 22,977,101 6,289,844 7,341,381 7,341,381 23,775,433 23,775,433 23,775,433 5,025,419 5,025,419 1,640,162 21,668,127 21,668,127 17,262,201 21,782,235 21,782,235 8,538,537 3,260,319 3,260,319 13,435,097 9,899,664 9,899,664 19,372,776 2,848,096 2,112,358 2,997,980 7,286,417 1,278,125 4,068,241 4,068,241 1,904,522 279,708 1,632,990 1,632,990 898,282 898,282 1,830,958 260,222 260,222 170,106 230,210 831,338 2,457,461 355,072 3,839,219 3,839,219 313,067 313,067 130,669 2,662,354 1,571,538 1,662,113 1,662,113 5,009,867 5,009,867 5,009,867 226,051 226,051 48,820 7,149,483 7,149,483 3,276,123 3,210,566 3,210,566 552,918 803,093 803,093 3,731,576 2,462,172 2,462,172 2,196,306 425,866 595,538 718,471 1,729,637 2,883,159 20,743,510 20,743,510 7,641,162 1,685,619 11,258,292 11,258,292 14,898,446 14,898,446 6,685,062 5,209,889 5,209,889 A-29, STREET NO 07, GULSHAN-E- FAISAL, B ATH ISLAND 4230164982747 HOUSE NO R-422, SECTOR 8-B, GULSHAN-E-ZAHOOR, J - 1, GULIS TAN APPARTMENT, LANE # 7, GULIS TAN CO HOUSE# 20,AN WAR STREE T, CHAMAN BAGH RAJH GARH, RI 50-Q,101, BLOCK 2, KARACHI PECHS, FLAT NO. 701, 7TH FLOOR, CHAP PAL RESO RT,BLOCK A, HOUSE # 103/I 6TH STREET OFF KH E RAH AT, PHASE 6, HOUSE # 103/I 6TH STREET OFF KH E RAH AT, PHASE 6, HOUSE NO 80-1, KH-E-HAFIZ, PHASE V1,DHA HOUSE NO 80-1, KH-E-HAFIZ, PHASE V1,DHA 4220186624167 3522112030663 3520229558813 4220145094791 4230151948475 4200004752307 4200004752307 6110192422261 6110192422261 1,179,686 1,307,170 3,664,579 22,143,844 2,449,220 21,060,632 21,060,632 5,740,285 5,740,285 5,171,464 E-65, BLOCK F, MOB # 03002002777 NO RTH NAZIMABAD. 4210185652825 11-J, SUN FLOWER HOUSING SCHEME, MAIN CANAL ROAD, B - 359 FAISAL TOWN HOUSE # 885 E BLOCK JOHAR TOWN HOUSE # 885 E BLOCK JOHAR TOWN C-16, DHORAJEE COLONY, C-16, DHORAJEE COLONY, C-16, DHORAJEE COLONY, HOUSE # 58-59, BLOCK B, KAZIMABAD, MODEL COLONY, HOUSE # 58-59, BLOCK B, KAZIMABAD, MODEL COLONY, B-93 BLOCK -7 GULIS TAN E JAUHAR HOUSE # 9, STREET # 95, SECTOR I-8/4, HOUSE # 9, STREET # 95, SECTOR I-8/4, FLAT# 501 ZOHRA CLASSIC BRITTO ROAD SOLDIER BAZAR H # 4 A/1, 4TH STREET PHASE I, DHA H # 4 A/1, 4TH STREET PHASE I, DHA 66/SHER SHAH BLOCK NEW GARDEN TOWN FLAT # 107, JJ LUXU RY APPARTMENT, BEHIND HUSSAINI FLAT # 107, JJ LUXU RY APPARTMENT, BEHIND HUSSAINI BANGLOW # E/292, MAIN AIRPO RT RD NEAR SIDDIQUE PLAZA H # GFI/44, SEA VIEW AP PARTMENTS DHA H # GFI/44, SEA VIEW AP PARTMENTS DHA H # 113/A, BLOCK # A, UNIT # 4, L ATIFABAD, CAPITAL ROAD NEAR HUSSAIN BIN TARIQ HOSPI TAL, FLAT # 706/G3 HAMI LTON COU RT NEAR III TALWAR H# 3, STREET# 39, SANT NAGAR H # A-204,SECTOR 11-B NO RTH NAZIMABAD 6110174237379 3520239119883 3520263886633 3520263886633 4220182405755 4220182405755 4220182405755 4250180736197 4250180736197 4210144286131 6110168858763 6110168858763 4230121581565 4230161323777 4230161323777 4220107122819 4220101129595 4220101129595 4130423001125 4230103370707 4230103370707 4130484732089 3460247211737 4230109661219 3520246354689 4210190548647 25,639,455 7,861,382 9,003,494 9,003,494 28,785,300 28,785,300 28,785,300 5,251,470 5,251,470 1,688,982 28,817,610 28,817,610 20,538,324 24,992,801 24,992,801 9,091,455 4,063,412 4,063,412 17,166,673 12,361,836 12,361,836 21,569,082 3,273,962 2,707,896 3,716,451 9,016,054 527,741 3,632,235 1,687,276 894,803 12,951,746 7,459,661 620,409 11,385,577 4,365,182 4,489,138 521,507 2,292,026 2,137,245 553,480 6,661,494 18,672,612 1,775,902 706,968 1,261,766 21,132,800 1,934,012 1,758,570 8,329,408 1,555,878 3,633,968 556,230 503,823 658,097 1,008,397 10,009,276 1,206,231 2,747,741 1,200,000 1,775,803 776,772 508,500 814,486 1,064,558 3,642,316 4,621,193 4,685,735 4,504,112 1,036,280 1,829,013 4,115,145 15,200,000 947,000 908,684 2,946,728 -
2,946,728 908,684 947,000 15,200,000 4,115,145 1,829,013 1,036,280 4,504,112 4,685,735 4,621,193 3,642,316 1,064,558 814,486 508,500 776,772 1,775,803 1,200,000 2,747,741 1,206,231 10,009,276 1,008,397 658,097 503,823 556,230 3,633,968 1,555,878 8,329,408 1,758,570 1,934,012 21,132,800 1,261,766 706,968 1,775,902 18,672,612 6,661,494 553,480 2,137,245 2,292,026 521,507 4,489,138 4,365,182 11,385,577 620,409 7,459,661 12,951,746 894,803 1,687,276 3,632,235 527,741
www.standardchartered.com.pk
Sr. No.
Name
Address
Principal
Principal
Total Balance
9,016,054 619 620 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635 636 637 638 639 640 641 642 643 644 645 646 647 648 649 650 651 652 653 654 655 656 657 658 659 660 661 662 663 664 665 666 667 MASHKOOR AHMED KHAN MUJAHID N AWAZ SYED MUHAMMAD ABUL FARAHA ZAIDI MANSOOB HASSAN DURANI LUQMAN ALI AFZAL MUHAMMAD ASHRAF IRFAN AHMAD IRFAN AHMAD NAEEM MUM TAZ SAHIBZADA SYED ZIA MUHAMMAD SHAH HAMDANI HUSSAIN KHALID RASHEED KHALID RASHEED MANSOOR ADIL AHAD NAZIR AHAD NAZIR MIRZA SHUJ AT ALI BAIG TAHIR MEHMOOD ATTA MUHAMMAD MERAJ UL ISLAM NIAZ AHMED KHOKAR NIAZ AHMED KHOKAR ATIF ZUBAIR MUHAMMAD ASAD SHEIKH MUHAMMAD ASHRAF KHALID IQBAL KHAN IDREES MUHAMMAD AHSAN ASHRAF SYED MOHAMMAD KHALID MUHAMMAD SALEEM ZIAUDDIN SHAIKH ZIAUDDIN SHAIKH JAWED JAWED ABDUL RAUF MUHAMMAD RAFIQ MUHAMMAD SALMAN MANZOOR SIDDIQUI EXPRESS SE RVICES SOHAIL HAMEED BUTT MOHAMMAD ZAHID IMRAN ALI NASIR MEHMOOD BUTT SYED ZULFIQAR AHSAN BUKHARI MUHAMMAD SALEEM SAIF UR REHMAN MUHAMMAD IMTIAZ MUHAMMAD IMTIAZ MAMOON RASHEED MAMOON RASHEED H # A-204,SECTOR 11-B NO RTH NAZIMABAD 14 NATIONAL COLONY REHMAN PURA H # A-44, SECTOR T-2 GULSHAN-E-M AYMAR H # R-645, BLOCK # 19 F.B. AREA THE MONAL PEER SOH AWA GOOKINA MORR FLAT # A-6-7, BUILDING-25, CRESCENT COMPLEX, BLOC 329-F JOHAR TOWN 329-F JOHAR TOWN PLAZA SHOES SAID NAGRI MARKE T, OFFICE # 15, 2ND FLOOR MASCO PLAZA JINNAH AVENUE 2 B APPARTMENT, PLOT 16-A QASR AY HUSSAINI SHABIRA HOUSE NO 212 BLOCK # 2,SECTOR B-II TOWN SHIP HOUSE NO 212 BLOCK # 2,SECTOR B-II TOWN SHIP H# B-66, BLOCK -H NO RTH NAZIMABAD KARACHI 4210190548647 3520250732289 4250122487547 4210103686599 3520218851777 4210107574347 3330108891471 3330108891471 3410150332105 3740132493253 4230110316279 3520285685871 3520285685871 4210107879601 SHABBIR AHMED KHAN MUHAMMAD N AWAZ S ZAFAR MEHDI ZAIDI SARWAR HUSSAIN SHEIKH MOHAMMAD AFZAL ZULFIQAR AHMED NASRULLAH KHAN NASRULLAH KHAN MUM TAZ AHMED NA AMEER ALI NA NA MUHAMMAD ZUBAIR NAZIR GHAF FAR NAZIR GHAF FAR MIRZA UBAIDULLAH BAIG CH NOOR MUHAMMAD NA SIRAJ UL ISLAM NISAR AHMED KHAN NISAR AHMED KHAN ZUBAIR ASLAM MUHAMMAD AKBER ABDUL GHAF FAR NA MOHAMMED CH M ASHRAF HUSSAIN NA NOOR UL ISLAM JAMAL UDDIN SHAIKH JAMAL UDDIN SHAIKH MUHAMMAD MUHAMMAD MUHAMMAD HAJI DAWOOD NA NA NA ABDUL HAMEED BUTT MOHAMMAD IQBAL WALI MOHAMMAD SAJAWAL HUSSAIN GHULLAM HUSSAIN BUTT SYED M. AHSAN BUKHARI (L ATE) NA NA NA NA ABDUR RAHEED ABDUR RAHEED 7,286,417 4,398,014 1,490,346 1,797,065 26,610,140 11,232,924 6,786,204 6,786,204 4,587,534 3,771,569 7,506,949 1,899,054 1,899,054 14,872,348 12,803,657 12,803,657 7,759,816 14,761,202 6,408,113 11,853,733 3,415,694 3,415,694 19,572,024 1,967,600 9,791,963 14,021,004 5,208,347 6,828,261 3,825,565 6,708,232 5,784,908 5,784,908 8,548,828 8,548,828 1,830,223 17,797,782 4,404,605 2,932,809 3,820,747 5,937,275 3,872,729 7,447,066 4,987,429 4,229,181 1,848,939 2,748,059 2,748,059 4,595,642 4,595,642 1,729,637 937,689 447,930 571,192 349,414 453,745 1,273,481 1,273,481 1,009,983 402,918 1,227,529 514,095 514,095 422,729 562,823 562,823 223,066 1,872,373 375,521 3,438,430 256,013 256,013 5,622,044 26,863 439,407 209,047 63,185 1,411,987 191,921 924,613 924,613 788,969 788,969 349,414 7,381,758 887,861 515,558 408,692 5,335,703 1,938,276 2,368,257 26,959,554 11,686,669 8,059,685 8,059,685 5,597,517 4,174,487 8,734,478 2,413,149 2,413,149 15,295,077 13,366,480 A-1-209, HOME LAND APP T, BLOCK # 13-C, GULSHAN-E- 4220146529697 A-1-209, HOME LAND APP T, BLOCK # 13-C, GULSHAN-E- 4220146529697 F#D-18, 2ND FLOOR RUQ AYYA SQUARE BLOCK 14- F B ARE FALCON ENGINEERING 14, 4TH FLOOR UNITED PLAZA BLU FLAT # 207-C, 2ND FLOOR, FL-2, JINNAH VIEW MAIN S H # 426, ST # 21, GAZE NIGAR R-168 AREA 37 F & J KHURRAM ABAD KANDHI # 1 R-168 AREA 37 F & J KHURRAM ABAD KANDHI # 1 KDA SCHEME # 1 HOUSE# S T-1/B FLAT -4 PLOT -130 10TH COMMERCIAL STREET PHASE I 389/B, AMEER KHUSROO ROAD BLOCK , 7/8, ADAMJEE NA H # B-217, BLOCK D NO RTH NAZIMABAD SOHA MENSION, 3RD FLOOR, GK - 2/2, NEAR BANGAL HOU HOUSE # 87, ACN, SECTOR 1, HOUSE # D-3, ARBAN HEA LTH CENTRE, LANDHI # 3, FLAT # 012-A-1 BLOCK 13-D/3, S AVANA CITY GULSHANFLAT # M-03, CHAPLE RESO RT, BLOCK I, CLIFTON. FLAT # M-03, CHAPLE RESO RT, BLOCK I, CLIFTON. 4210121822135 6110199431749 4130338007353 4230198851223 4220184851569 4220184851569 4220127431665 4230129432233 4220166270805 4420640093807 4230179494799 3740502183931 4220148333167 4220176370977 4230196026707 4230196026707 13,366,480 7,982,882 16,633,575 6,783,634 15,292,163 3,671,707 3,671,707 25,194,068 1,994,463 10,231,370 14,230,051 5,271,532 8,240,248 4,017,486 6,708,232 6,709,521 6,709,521 9,337,797 FLAT # 113, BLOCK -B, RUFI HE AVEN, GULSHAN-E-IQBAL 4220107975439 FLAT # 113, BLOCK -B, RUFI HE AVEN, GULSHAN-E-IQBAL 4220107975439 HOUSE # A-80,BLOCK 9 YASEENABAD FEDERAL B AREA 4210417175947 NEW TRUCK S TAND, MARIPUR G ATE NO.1, GALI NO. 4, P 5220410568123 HOUSE # A-17,BLOCK-17, SHALIMAR BANGLO W, GULIS TAN OFF.NO.I, 1ST FLOORGHOUS PLAZA, M SOHAIL HAMEED BUT T, XX-56 COMMERCIAL AREA, KHAYAB HOUSE # B-192, BLOCK # 4-A, GULSHAN-E-IQBAL FLAT # 1A/1, PLOT # FL-8, BLOCK # 2 SEA CLIFF AP RT C-36, DARAKSHAN VILLAS, BEACH AVENUE D.H.A. PHASE 4220105787037 3330232823513 3520197472545 4220194792149 4230122958029 4220106563855 9,337,797 2,179,637 25,179,540 5,292,466 3,448,367 4,229,439 5,937,275 3,872,729 7,447,066 4,987,429 4,229,181 FL-1 IST FLOOR 14-C 6TH ZAMZAMA COMM LANE PHASE V B-202 ASHIANA II BLOCK NO 17 GULSHAN-E-IQBAL FLAT # P-1, 5TH. FLOOR, MADINA HEIGHTS BLOCK # 7 & FLAT # P-1, 5TH. FLOOR, MADINA HEIGHTS BLOCK # 7 & C NO 91 BLOCK D NO RTH NAZIMABAD C NO 91 BLOCK D NO RTH NAZIMABAD 4230109029607 4220172092995 4220105414133 4220105414133 4210111450217 4210111450217 1,848,939 2,748,059 2,748,059 4,595,642 4,595,642 723,221 4,724,228 1,353,345 3,127,791 678,097 2,027,848 5,760,000 1,410,666 3,872,729 1,384,421 (546,226) 5,937,275 2,132,464 937,429 689,996 1,652,843 11,905,963 1,145,384 534,032 1,073,726 5,602,112 769,229 1,714,920 1,147,132 8,472,625 578,943 1,262,123 1,692,482 572,099 14,012,164 1,196,961 689,496 6,424,668 1,271,027 886,568 2,285,467 509,156 3,346,642 2,624,283 1,178,366 1,627,975 2,448,681 599,712 1,258,863 7,360,000 936,057 3,984,486 540,197 939,273 1,301,422 4,618,151 6,697,809 -
6,697,809 4,618,151 1,301,422 939,273 540,197 3,984,486 936,057 7,360,000 1,258,863 599,712 2,448,681 1,627,975 1,178,366 2,624,283 3,346,642 509,156 2,285,467 886,568 1,271,027 6,424,668 689,496 1,196,961 14,012,164 572,099 1,692,482 1,262,123 578,943 8,472,625 1,147,132 1,714,920 769,229 5,602,112 1,073,726 534,032 1,145,384 11,905,963 1,652,843 689,996 937,429 8,069,739 4,710,924 1,410,666 5,760,000 2,027,848 678,097 3,127,791 1,353,345 4,724,228 723,221
www.standardchartered.com.pk
8,660,898 668 669 670 671 672 673 674 675 676 677 678 679 680 MUHAMMAD JUNAID MUHAMMAD IR FAN S.M ABBAS HASAN ABIDI SYED BURHAN HUSSAIN RAZI ULLAH KHAN MUHAMMAD NADEEM BUTT IJAZ PASHA FARZAND ALI J AVED KHAWAJA ZA FAR IQ BUSHRA NADEEM MALIK MEHARBAN MUHAMMAD SAQIB J AVED BUTT MALIK EJAZ HUSSAIN CF-105/B-IV FL AT NO B-8 3RD FLOOR AL HBIB CASTLE C FLAT NO 17 AL MADINA HEIGHTS BLOCK7/8 DHORAJEE C.P FLAT # A-4 4TH FLOOR MARINE BLESSINGS BLOCK-3 , CL B-88, BLOCK 7, KDA SCHEME 36 GULISTAN-E-JOHAR B-268 BLOCK 14, GULIS TAN-E- JAUHAR KARACHI NEAR CO HOUSE # 39/2, RAI-E-AMAN STREET # 1, SHAGAN COLONY HOUSE NO. 145, STREET NO. 6 ASKARI X B - 1160, SATELLITE TOWN HOUSE NO 431/1 MOHALLAH NASIRABAD ST NO 15 HOUSE # 149, STREET # 6 ASKARI-10, RAWALPINDI HOUSE # 11-A, SECTOR 4-B, KH AYABAN-E-SIR SYED HOUSE # 8, SU RVEY # 15, P.A.F OFFICER COLON Y, ZARA 282-G-4, JOHAR TOWN, LAHORE, 4230109358893 4220106667233 4230178325333 4210115822789 4220153100277 3740597191329 6110115726431 3740551246435 3740502527997 3740590057276 3740579115961 3520199157689 3520217461005 SULEMAN HABIB MUHAMMAD I LYAS SIBTE HASAN ABIDI SYED SAJJAD HUSSAIN WASI ULLAH KHAN (LATE) MUHAMMAD HANIF BUTT GHULAM ABBAS PASHA MUHAMMAD DIN (L ATE) KHAWAJ FAZAL ELLAHI NADEEM LERASAB SHER ZAMAN M SHUJ AT MALIK GHOS 8,660,898 1,252,730 8,250,000 7,289,476 7,723,629 3,119,708 4,497,109 3,946,115 1,074,757 7,390,942 9,919,609 6,312,651 2,599,863 1,710,236,845 1,252,730 8,250,000 7,289,476 7,723,629 3,119,708 4,497,109 3,946,115 1,074,757 7,390,942 9,919,609 6,312,651 2,599,863 6,104,733 2,011,289 1,440,201 922,094 658,267 6,312,651 1,108,423 2,265,260 3,115,585 1,084,376 7,723,629 2,775,339 8,800,000 8,250,000 2,974,827 (1,624,827) 1,856,922 1,519,755 -
1,519,755 1,856,922 9,600,000 8,800,000 10,498,968 4,199,961 6,104,733 2,011,289 1,440,201 922,094 658,267 8,577,911 1,108,423
508,581,946 1,013,236,400
3,232,055,191 1,776,061,555
www.standardchartered.com.pk
PATTERN OF SHAREHOLDERS
AS OF 31 DECEMBER 2010
<-- HAVING SHARES--> FROM TO 1 101 501 1001 5001 10001 15001 20001 25001 30001 35001 40001 45001 50001 55001 60001 65001 70001 75001 85001 90001 95001 100001 110001 115001 125001 130001 135001 140001 165001 170001 175001 185001 210001 215001 235001 240001 245001 260001 295001 300001 305001 315001 455001 495001 525001 570001 725001 2595001 3070001 3832335001 100 500 1000 5000 10000 15000 20000 25000 30000 35000 40000 45000 50000 55000 60000 65000 70000 75000 80000 90000 95000 100000 105000 115000 120000 130000 135000 140000 145000 170000 175000 180000 190000 215000 220000 240000 245000 250000 265000 300000 305000 310000 320000 460000 500000 530000 575000 730000 2600000 3075000 3832340000
SHARES HELD 54866 736531 1153129 7568205 6236830 1745840 1306041 1421393 816233 676641 711238 340049 396055 514827 291287 374278 469337 75000 75817 175975 91500 398900 103045 226350 117500 386708 400943 139147 427000 165500 175000 175600 188400 215000 220000 237164 241862 247232 261469 300000 304500 305694 315880 459415 500000 530000 570712 727468 2599729 3074570 3832339162 3871585021
PERCENTAGE 0.0014 0.0190 0.0298 0.1955 0.1611 0.0451 0.0337 0.0367 0.0211 0.0175 0.0184 0.0088 0.0102 0.0133 0.0075 0.0097 0.0121 0.0019 0.0020 0.0045 0.0024 0.0103 0.0027 0.0058 0.0030 0.0100 0.0104 0.0036 0.0110 0.0043 0.0045 0.0045 0.0049 0.0056 0.0057 0.0061 0.0062 0.0064 0.0068 0.0077 0.0079 0.0079 0.0082 0.0119 0.0129 0.0137 0.0147 0.0188 0.0671 0.0794 98.9863 100.0000
www.standardchartered.com.pk
CATEGORIES OF SHAREHOLDERS
AS OF 31 DECEMBER 2010
PARTICULARS DIRECTORS, CEO & CHILDREN ASSOCIATED COMPANIES NIT & ICP BANKS, DFI & NBFI INSURANCE COMPANIES MODARABAS & MUTUAL FUNDS GENERAL PUBLIC (LOCAL) GENERAL PUBLIC (FOREIGN) OTHERS FOREIGN COMPANIES SHARES HOLDERS 7 1 1 16 7 8 7892 1312 107 12 9363 SHAREHOLDING 7 3832339162 3250 2762149 157784 259516 24846627 4934876 5782493 499157 3871585021 PERCENTAGE 0.0000 98.9863 0.0001 0.0713 0.0041 0.0067 0.6418 0.1275 0.1494 0.0129 100.0000
CONSOLIDATED DETAILS
A) Directors, Chief Executive Officer, their spouse and minor children Sr. # 1 2 3 4 5 6 7 Name Mr. Christos A. Papadopoulos Mr. Mohsin Ali Nathani Mr. Andrew James Hardacre Mr. Raheel Ahmed Mr. Najam I. Chaudhri Mr. Shahid Zaki Mr. Parvez Ghias Total Shares Held 1 530,001 1 1 1 1 1 530,007 % 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
B) Associated Companies, Undertakings and Related Parties 1 Standard Chartered Bank U.K. 3,832,339,162 98.99
D) Shareholders Holding 10% or More 1 Standard Chartered Bank U.K. 3,832,339,162 98.99
www.standardchartered.com.pk
Form of Proxy
5TH ANNUAL GENERAL MEETING STANDARD CHARTERED BANK (PAKISTAN) LIMITED
I/We.... of..being member(s) of Standard Chartered Bank (Pakistan) Limited holding.Ordinary shares hereby appoint of..or failing him/her....of...who is/are also member(s) of Standard Chartered Bank (Pakistan) Limited as my/our Proxy in my/our absence to attend and vote for me/us and on my/our behalf at the Annual General Meeting of the Bank to be held on March 30, 2011 and/or any adjournment thereof.
Signed this _________________day of _______________________ 2011. Folio No. Signature on Rs. 5/Revenue Stamp
WITNESSES: 1. Signature: Name: Address: CNIC No. Passport No. 2. Signature: Name: Address: CNIC No. Passport No.
Note: 1. The Proxy Form should be deposited at the registered office of the Bank, as soon as possible but not later than 48 hours before the time of holding the meeting, failing which, Proxy Form will not be treated as valid. 2. No person shall act as proxy unless he/she is a member of the Bank.
Fold here
Company Secretary Standard Chartered Bank (Pakistan) LIimited P.O.Box No. 5556, I.I.Chundrigar Road, Karachi 74000, Pakistan
Fold here
Fold here
Fold here
Fold here
Fold here
Fold here