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-3\charscalex100 \ul0\nosupersub\cf24\f25\fs20 Preface ...\tab \up0 \expndtw-3\c
harscalex100 ..v\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\s
lmult0\par\pard\li1440\sb9\sl-230\slmult0\fi0\tldot\tx10520 \up0 \expndtw-3\char
scalex100 Executive Summary\u8230?\u8230?\u8230?\u8230?\u8230?\u8230?...\tab \up
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40\sb0\sl-230\slmult0\par\pard\li1440\sb11\sl-230\slmult0\fi0\tldot\tx10635 \up0
\expndtw-3\charscalex100 Introduction ...\tab \up0 \expndtw-3\charscalex100 .1\
par\pard\li1680\sb0\sl-230\slmult0\par\pard\li1680\sb121\sl-230\slmult0\fi0\tldo
t\tx10405 \up0 \expndtw0\charscalex100 1.1\ul0\nosupersub\cf27\f28\fs16 \ul0\no
supersub\cf24\f25\fs20 Methodology ...\tab \up0 \expndtw0\charscalex100 2\par\pa
rd\li1680\sb0\sl-228\slmult0\fi0\tldot\tx10333 \up0 \expndtw0\charscalex100 1.2\
ul0\nosupersub\cf27\f28\fs16 \ul0\nosupersub\cf24\f25\fs20 Concepts and Definit
ions ...\tab \up0 \expndtw0\charscalex100 . 3\par\pard\li1680\sb1\sl-230\slmult0
\fi0\tldot\tx10182 \up0 \expndtw0\charscalex100 1.3\ul0\nosupersub\cf27\f28\fs16
\ul0\nosupersub\cf24\f25\fs20 Performance Indicators ...\tab \up0 \expndtw0\ch
arscalex100 .. 14\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\
slmult0\par\pard\li1440\sb11\sl-230\slmult0\fi0 \up0 \expndtw-1\charscalex100 Re
view and Financial Analysis\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\s
b0\sl-230\slmult0\par\pard\li1440\sb11\sl-230\slmult0\fi288\tldot\tx10434 \up0 \
expndtw-1\charscalex100 Banks ...\tab \up0 \expndtw-1\charscalex100 ...2 4\par\p
ard\li1440\sb118\sl-230\slmult0\fi288\tldot\tx10434 \up0 \expndtw-1\charscalex10
0 Development Finance Institutions (DFIs) ...\tab \up0 \expndtw-1\charscalex100
...7 1\par\pard\li1440\sb120\sl-230\slmult0\fi288\tldot\tx10485 \up0 \expndtw-1\
charscalex100 Leasing Companies ...\tab \up0 \expndtw-1\charscalex100 ..8 2\par\
pard\li1440\sb121\sl-230\slmult0\fi288\tldot\tx10485 \up0 \expndtw-1\charscalex1
00 Investment Banks ...\tab \up0 \expndtw-1\charscalex100 ..9 5\par\pard\li1440\
sb121\sl-230\slmult0\fi288\tldot\tx10383 \up0 \expndtw-1\charscalex100 Mutual Fu
nds (Close Ended) ...\tab \up0 \expndtw-1\charscalex100 ..1 05\par\pard\li1440\s
b120\sl-230\slmult0\fi288\tldot\tx10384 \up0 \expndtw-1\charscalex100 Modaraba C
ompanies ...\tab \up0 \expndtw-1\charscalex100 ..1 23\par\pard\li1440\sb120\sl-2
30\slmult0\fi288\tldot\tx10334 \up0 \expndtw-1\charscalex100 Exchange Companies
...\tab \up0 \expndtw-1\charscalex100 ...1 52\par\pard\li1440\sb118\sl-230\slmul

t0\fi288\tldot\tx10384 \up0 \expndtw-1\charscalex100 Insurance Companies ...\tab

\up0 \expndtw-1\charscalex100 ..1 79\par\pard\li1440\sb121\sl-230\slmult0\fi288
\tldot\tx10384 \up0 \expndtw-1\charscalex100 Housing Finance ...\tab \up0 \expnd
tw-1\charscalex100 ..2 36\par\pard\li1440\sb120\sl-230\slmult0\fi288\tldot\tx103
34 \up0 \expndtw-1\charscalex100 Venture Capital ...\tab \up0 \expndtw-1\charsca
lex100 ...2 40\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb0\sl-230\slm
ult0\par\pard\li1440\sb0\sl-230\slmult0\par\pard\li1440\sb177\sl-230\slmult0\fi0
\tldot\tx10333 \up0 \expndtw-3\charscalex100 Appendix ...\tab \up0 \expndtw-3\ch
arscalex100 ...2 47\par\pard\li1440\sb118\sl-230\slmult0\fi0\tldot\tx10397 \up0
\expndtw-3\charscalex100 Explanatory Notes ...\tab \up0 \expndtw-3\charscalex100
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g5}{\bkmkend Pg5}\par\pard\li6341\sb0\sl-184\slmult0\par\pard\li6341\sb0\sl-184\
slmult0\par\pard\li6341\sb0\sl-184\slmult0\par\pard\li6341\sb19\sl-184\slmult0\f
i0\tx9837 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial St
atement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf8\f9\fs16 2011\par\pard\ql \li1440\sb0\sl-368\slmult0 \par\pard\ql\li14
40\sb113\sl-368\slmult0 \up0 \expndtw0\charscalex97 \ul0\nosupersub\cf22\f23\fs3
2 Preface \par\pard\qj \li1440\ri1184\sb269\sl-300\slmult0 \up0 \expndtw-6\chars
calex100 \ul0\nosupersub\cf25\f26\fs22 The financial sector, one of the most imp
ortant components of the country\u8223?s economy having a share of around \up0 \
expndtw-6\charscalex100 5% in the Gross Domestic Product essentially requires a
sound, stable and robust financial system for economic \up0 \expndtw-7\charscale
x100 well being of the country and its populace. \par\pard\qj \li1440\ri1244\sb2
89\sl-290\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf30\f31\fs22 Pa
kistan\u8223?s\ul0\nosupersub\cf25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 finan
cial\ul0\nosupersub\cf25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 sector\ul0\nosu
persub\cf25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 represents\ul0\nosupersub\cf
25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 a\ul0\nosupersub\cf25\f26\fs22 \ul0\
nosupersub\cf30\f31\fs22 well-developed\ul0\nosupersub\cf25\f26\fs22 \ul0\nosup
ersub\cf30\f31\fs22 integration\ul0\nosupersub\cf25\f26\fs22 \ul0\nosupersub\cf
30\f31\fs22 of\ul0\nosupersub\cf25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 insti
tutions\ul0\nosupersub\cf25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 of\ul0\nosup
ersub\cf25\f26\fs22 \ul0\nosupersub\cf30\f31\fs22 a\ul0\nosupersub\cf25\f26\fs2
2 \ul0\nosupersub\cf30\f31\fs22 diversified nature \up0 \expndtw-3\charscalex10
0 including \ul0\nosupersub\cf25\f26\fs22 Banks, DFIs, Investment Banks, Leasing
Companies, Modaraba Companies, Housing Finance, \up0 \expndtw-1\charscalex100 M
utual Funds, Insurance Companies, Exchange Companies and Venture Capital
. Disclosure and \up0 \expndtw0\charscalex103 transparency in information on b
usiness activities of financial institutions are therefore of immense \up0 \expn
dtw-3\charscalex100 importance to all stakeholders. \par\pard\qj \li1440\sb0\sl290\slmult0 \par\pard\qj\li1440\ri1226\sb21\sl-290\slmult0 \up0 \expndtw0\charsc
alex100 An overview of business and financial conditions of financial institutio
ns is presented in a structured \up0 \expndtw-2\charscalex100 manner in form of
financial statements. For large financial institutions, the financial statements
are often \up0 \expndtw-2\charscalex100 complex and are prepared under internat
ional accounting standards. These statements usually include an \up0 \expndtw-1\
charscalex100 extensive set of notes to the financial statements. The notes typi
cally describe each item on the balance \up0 \expndtw-3\charscalex100 sheet, inc
ome statement and cash flow statement in further detail. \par\pard\qj \li1440\sb
0\sl-291\slmult0 \par\pard\qj\li1440\ri1184\sb19\sl-291\slmult0 \up0 \expndtw-4\
charscalex100 The stakeholders and users, on the other hand, require financial i
ndicators that can provide information on \line \up0 \expndtw-2\charscalex100 ho
w well the company is performing and what may happen in future. In order to meet
the growing needs \line \up0 \expndtw-2\charscalex100 of the users, Statistics
& Data Warehouse Department carries out analysis of the financial statements of
all \line \up0 \expndtw0\charscalex100 financial institutions on annual basis. E

very endeavour is made to select useful and accurate data from \line \up0 \expnd
tw-3\charscalex100 financial statements and compute ratios that can provide valu
able clues about the financial health of these \line \up0 \expndtw-3\charscalex1
00 institutions. The analysis is published in form of this publication namely \u
8220?Financial Statements Analysis of \line \up0 \expndtw-6\charscalex100 Financ
ial Sector\u8221?. The publication covers analysis of financial statements of fi
nancial institutions for the period \line \up0 \expndtw-9\charscalex100 2007-11.
\par\pard\qj \li1440\ri1206\sb290\sl-290\slmult0 \up0 \expndtw-6\charscalex100
It is hoped that the publication will provide a tool to researchers, policy make
rs and investors to understand the \up0 \expndtw-7\charscalex100 activities and
performance of financial sector in Pakistan. Comments on the analysis and sugges
tions for further \up0 \expndtw-9\charscalex100 improvements of the publication
are very welcome. \par\pard\ql \li1440\sb0\sl-253\slmult0 \par\pard\ql\li1440\sb
0\sl-253\slmult0 \par\pard\ql\li1440\sb115\sl-253\slmult0 \up0 \expndtw-9\charsc
alex100 (Dr Azizullah Khattak) \par\pard\ql \li1440\sb27\sl-253\slmult0 \up0 \ex
pndtw-9\charscalex100 Director \par\pard\ql \li1440\sb47\sl-253\slmult0 \up0 \ex
pndtw-9\charscalex100 Statistics & DWH Department \par\pard\ql \li6060\sb0\sl-27
6\slmult0 \par\pard\ql\li6060\sb0\sl-276\slmult0 \par\pard\ql\li6060\sb0\sl-276\
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i0\tx9837 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial St
atement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf8\f9\fs16 2011\par\pard\ql \li1440\sb0\sl-368\slmult0 \par\pard\ql\li14
40\sb0\sl-368\slmult0 \par\pard\ql\li1440\sb105\sl-368\slmult0 \up0 \expndtw0\ch
arscalex97 \ul0\nosupersub\cf22\f23\fs32 Executive Summary \par\pard\ql \li1440\
sb0\sl-253\slmult0 \par\pard\ql\li1440\sb194\sl-253\slmult0\tx4661\tx6793 \up0 \
expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Financial statements anal
ysis of \tab \up0 \expndtw0\charscalex100 182 companies from \tab \up0 \expnd
tw0\charscalex101 10 sectors namely Banks, DFIs, Leasing \par\pard\qj \li14
40\ri1234\sb43\sl-380\slmult0 \up0 \expndtw0\charscalex100 Companies, Investment
Banks, Mutual Funds, Modarabas, Exchange Companies, Insurance Companies, \up0 \
expndtw-2\charscalex100 Housing Finance and Venture Capital are included in this
publication for the period 2007-11. \par\pard\qj \li1440\sb0\sl-380\slmult0 \pa
r\pard\qj\li1440\ri1239\sb1\sl-380\slmult0 \up0 \expndtw0\charscalex100 The bala
nce sheet size of the banking sector expanded in calender year (CY)11 and total
assets of the \up0 \expndtw-4\charscalex100 sector grew from Rs. 7.2 trillion in
CY10 to Rs. 8.3 trillion in CY11, showing an increase of 15.4 percent. \up0 \ex
pndtw-4\charscalex100 Profit before tax increased by 49.1 percent in CY11 over t
he previous year. \par\pard\qj \li1440\sb0\sl-380\slmult0 \par\pard\qj\li1440\ri
1254\sb1\sl-380\slmult0 \up0 \expndtw-3\charscalex100 DFIs reflected an increase
in their balance sheet size during 2011. Total equity registered a growth of 6.
4 \up0 \expndtw0\charscalex104 percent over the last year. The profit before tax
decreased by 29.3 percent, whereas profit after tax \up0 \expndtw-3\charscalex1
00 decreased by 64.2 percent during the year. \par\pard\qj \li1440\sb0\sl-373\sl
mult0 \par\pard\qj\li1440\ri1261\sb13\sl-373\slmult0 \up0 \expndtw-2\charscalex1
00 Outlook of leasing sector in the country has not been encouraging during fisc
al year (FY)11. Asset base \line \up0 \expndtw-1\charscalex100 decreased by 9.5
percent over the period, from Rs 37.1 billion in FY10 to Rs 33.5 billion in FY11
. The \line \up0 \expndtw-3\charscalex100 sector showed profits before and after
taxation of Rs.176.2 million & Rs.64.7 million respectively during \line \up0 \
expndtw-4\charscalex100 FY11. \par\pard\qj \li1440\sb0\sl-380\slmult0 \par\pard\
qj\li1440\ri1239\sb2\sl-380\slmult0 \up0 \expndtw-3\charscalex100 The performanc
e of investment banks has deteriorated over the year. Analysis revealed that the
ir balance \up0 \expndtw-1\charscalex100 sheet size squeezed by 7.2 percent in F
Y11 over FY10. The aggregate share capital remained the same. \up0 \expndtw0\cha

rscalex102 Losses before and after tax have been Rs. 0.6 billion and Rs. 0.7 bil
lion respectively in FY11. Gross \up0 \expndtw-3\charscalex100 revenue also witn
essed a decrease of 17.0 percent during FY11. \par\pard\qj \li1440\sb0\sl-380\sl
mult0 \par\pard\qj\li1440\ri1257\sb1\sl-380\slmult0 \up0 \expndtw-3\charscalex10
0 Balance sheet size of mutual funds contracted by 17.1 percent in FY11 over FY1
0. Total assets decreased \up0 \expndtw0\charscalex102 from Rs 31.2 billion in F
Y10 to Rs 25.8 billion in FY11. Net income was Rs. 4.3 billion in FY11 as \up0 \
expndtw-3\charscalex100 compared to Rs. 3.0 billion for FY10. \par\pard\qj \li14
40\sb0\sl-380\slmult0 \par\pard\qj\li1440\ri1255\sb1\sl-380\slmult0 \up0 \expndt
w-2\charscalex100 Modaraba companies performed well during FY11. Total assets in
creased from Rs. 24.5 billion in FY10 \up0 \expndtw0\charscalex102 to Rs 26.3 bi
llion in FY11 showing an increase of 7.6 percent over FY10. Total equity witness
ed an \up0 \expndtw0\charscalex100 increase of 7.6 percent in FY11 over FY10. Pr
ofit before and after tax, significantly increased by 74.5 \up0 \expndtw-3\chars
calex100 percent & 67.2 percent respectively in FY11. \par\pard\ql \li6027\sb0\s
l-276\slmult0 \par\pard\ql\li6027\sb0\sl-276\slmult0 \par\pard\ql\li6027\sb74\sl
-276\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf17\f18\fs24 vi
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}
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{\shp {\*\shpinst\shpleft9743\shptop1154\shpright10917\shpbottom1197\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g7}{\bkmkend Pg7}\par\pard\li6341\sb0\sl-184\slmult0\par\pard\li6341\sb0\sl-184\
slmult0\par\pard\li6341\sb0\sl-184\slmult0\par\pard\li6341\sb19\sl-184\slmult0\f
i0\tx9837 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial St
atement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf8\f9\fs16 2011\par\pard\qj \li1440\ri1252\sb372\sl-380\slmult0 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Exchange companies exhibited
an expansion in their balance sheet size during the period under review. \up0 \e
xpndtw-2\charscalex100 Total assets increased by 5.7 percent to stand at around
Rs 7.6 billion during CY11 as compared to Rs 7.2 \up0 \expndtw-1\charscalex100 b
illion in CY10. Decrease in profit before and after taxation of 31.0 percent and
39.9 percent respectively \up0 \expndtw-2\charscalex100 was recorded in CY11 ov
er CY10. \par\pard\qj \li1440\ri1239\sb281\sl-380\slmult0 \up0 \expndtw0\charsca
lex100 CY11 turned out to be positive for insurance sector in Pakistan. The aggr
egate insurance business grew \up0 \expndtw0\charscalex102 sharply during CY11.
Its balance sheet size expanded by 12.6 percent and reached Rs 501.8 billion in
\up0 \expndtw-2\charscalex100 CY11. Profit before and after taxation increased c
onsiderably during CY11. \par\pard\qj \li1440\sb0\sl-380\slmult0 \par\pard\qj\li
1440\ri1238\sb1\sl-380\slmult0 \up0 \expndtw0\charscalex104 In the housing finan
ce sector, there have been two companies available, i.e., Asian Housing Finance
\up0 \expndtw0\charscalex104 Limited and House Building Finance Corporation (HBF
C). Total assets witnessed an increase of 1.7 \up0 \expndtw0\charscalex104 perce
nt to stand at Rs 19.6 billion in FY11 as compared to Rs. 19.2 billion in FY10.
House Building \up0 \expndtw-2\charscalex100 Finance Corporation (HBFC) showed a
profit before taxation of Rs.169.0 billion. \par\pard\qj \li1440\sb0\sl-380\slm
ult0 \par\pard\qj\li1440\ri1243\sb1\sl-380\slmult0 \up0 \expndtw0\charscalex100
Venture capital reflected contraction in balance sheet size during the period un
der review. Total equity \up0 \expndtw0\charscalex103 contracted by around 59 pe
rcent during FY11. Total assets base stood at 5.1 billion in FY11. Venture \up0
\expndtw-2\charscalex100 Capital showed losses before and after taxation of abou
t Rs 1.1 billion in FY11. \par\pard\ql \li5993\sb0\sl-276\slmult0 \par\pard\ql\l
i5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5
993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li599
3\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\
sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb
0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\
sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl
-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-2
76\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276
\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\s
lmult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slm
ult0 \par\pard\ql\li5993\sb0\sl-276\slmult0 \par\pard\ql\li5993\sb0\sl-276\slmul
t0 \par\pard\ql\li5993\sb222\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf17\f18\fs24 vii

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{\shp {\*\shpinst\shpleft1310\shptop1154\shpright9700\shpbottom1197\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\shp {\*\shpinst\shpleft9700\shptop791\shpright9743\shpbottom1154\shpfhdr0\shpb
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
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{\shp {\*\shpinst\shpleft9700\shptop1154\shpright9743\shpbottom1197\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
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{\shp {\*\shpinst\shpleft9743\shptop1154\shpright10917\shpbottom1197\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P

g8}{\bkmkend Pg8}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\
slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0\f
i0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial S
tatement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-368\slmult0 \par\pard\ql\li1
728\sb113\sl-368\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf22\f23\f
s32 Introduction \par\pard\qj \li1728\ri1231\sb163\sl-380\slmult0 \up0 \expndtw0
\charscalex102 \ul0\nosupersub\cf25\f26\fs22 Statistics and Data Warehouse Depar
tment strives hard to disseminate quality statistics. It not only \line \up0 \ex
pndtw0\charscalex104 produces primary data but also provides secondary data with
analysis to the various stakeholders \line \up0 \expndtw0\charscalex100 includi
ng researchers and policy makers. As the performance of financial sector reflect
s the financial \line \up0 \expndtw-2\charscalex100 health of an economy, standa
rd analytical tools are used to gauge the performance of this vital sector. \par
\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb52\sl-253\slmult0 \up0
\expndtw-3\charscalex100 The analysis\ul0\super\cf33\f34\fs20 1\ul0\nosupersub\
cf25\f26\fs22 includes the following sectors\ul0\super\cf33\f34\fs20 2\ul0\nosu
persub\cf25\f26\fs22 :\par\pard\sect\sectd\sbknone\cols2\colno1\colw6309\colsr16
0\colno2\colw5631\colsr160\ql \li3235\sb0\sl-253\slmult0 \par\pard\ql \li3235\sb
0\sl-253\slmult0 \par\pard\ql \li3235\sb7\sl-253\slmult0 \up0 \expndtw0\charscal
ex105 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\
nosupersub\cf25\f26\fs22 Banks\par\pard\ql \li3235\sb34\sl-253\slmult0 \up0 \ex
pndtw0\charscalex106 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\
f36\fs22 \ul0\nosupersub\cf25\f26\fs22 DFIs\par\pard\ql \li3235\sb36\sl-253\sl
mult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\no
supersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Investment Banks\par\pard
\ql \li3235\sb35\sl-253\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf3
4\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Leasing Companies\par\pard\qj \li3235\ri707\sb7\sl-287\slmult0 \up0 \expndtw0\c
harscalex100 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Modaraba Companies \line \up0 \expndtw0\charsca
lex100 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0
\nosupersub\cf25\f26\fs22 Insurance Companies\par\pard\column \ql \li6469\sb0\s
l-253\slmult0 \par\pard\ql \li6469\sb0\sl-253\slmult0 \par\pard\ql \li20\sb7\sl253\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\
ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Exchange Companies\
par\pard\qj \li20\ri2729\sb6\sl-288\slmult0 \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\c
f25\f26\fs22 Mutual Funds (close ended) \up0 \expndtw0\charscalex101 \ul0\nosup
ersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\
f26\fs22 Housing Finance\par\pard\ql \li20\sb29\sl-253\slmult0 \up0 \expndtw0\c
harscalex101 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Venture Capital \par\pard\sect\sectd\sbknone \q
j \li1728\ri1246\sb137\sl-380\slmult0 \up0 \expndtw0\charscalex100 Consolidation
is provided at the beginning of each sector\u8223?s analysis. For banks, consol
idation is at \up0 \expndtw-3\charscalex100 different levels. At first level, ov
erall consolidation of all banks including foreign banks is given. The \up0 \exp
ndtw-2\charscalex100 information and ratios relating to number of ordinary share
s, dividend earning per share and breakup \up0 \expndtw0\charscalex104 value per
share are not taken into consideration because foreign banks do not have such t
ype of \up0 \expndtw-3\charscalex100 information. The level of consolidation for
banks is as follows: \par\pard\ql \li2088\sb0\sl-253\slmult0 \par\pard\ql\li208
8\sb112\sl-253\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf34\f35\fs2
2 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
All B
anks (overall) \par\pard\ql \li3528\sb0\sl-253\slmult0 \par\pard\ql\li3528\sb174
\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\f
s22 \ul0\nosupersub\cf25\f26\fs22 Local Banks \par\pard\ql \li3528\ri3253\sb3
2\sl-393\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\
fs22 \ul0\nosupersub\cf25\f26\fs22 Public Sector Banks \line \up0 \expndtw-4\
charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs

22 Private Sector Banks \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosup

ersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Specialized Banks \line \up
0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersu
b\cf25\f26\fs22 Foreign Banks \par\pard\qj \li1728\ri1245\sb278\sl-380\slmult0
\up0 \expndtw-2\charscalex100 Similarly, consolidated analysis of insurance com
panies is also provided to reflect financial health of \up0 \expndtw-3\charscale
x100 Insurance Sector. The level of consolidation is as follows: \par\pard\ql \l
i2088\sb0\sl-253\slmult0 \par\pard\ql\li2088\sb132\sl-253\slmult0 \up0 \expndtw0
\charscalex103 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs
22 \ul0\nosupersub\cf25\f26\fs22
Insurance Companies (overall) \par\pard\q
j \li1728\sb0\sl-200\slmult0 \par\pard\qj\li1728\sb0\sl-200\slmult0 \par\pard\qj
\li1728\sb0\sl-200\slmult0 \par\pard\qj\li1728\sb0\sl-200\slmult0 \par\pard\qj\l
i1728\ri1331\sb71\sl-200\slmult0 \up0 \expndtw-1\charscalex100 \ul0\super\cf36\f
37\fs20\ul0\super\cf36\f37\fs19 1\ul0\nosupersub\cf37\f38\fs16 Since each sector
has peculiar business activities, therefore, for analysis separate set of varia
bles was taken into consideration. Similarly, an \up0 \expndtw-1\charscalex100 a
ssociated set of financial ratios has also been selected for each sector. \par\p
ard\ql \li1728\sb34\sl-184\slmult0 \up0 \expndtw-1\charscalex100 \ul0\super\cf36
\f37\fs19 2\ul0\nosupersub\cf39\f40\fs20 \ul0\nosupersub\cf37\f38\fs16 Sector-w
ise list of analyzed financial institutions is provided in \u8220?appendix\u8221
? at the end of the text. \par\pard\ql \li6205\sb180\sl-276\slmult0 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 1
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0 \up0 \expndtw-1\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosu
persub\cf25\f26\fs22 Takaful\par\pard\ql \li1728\sb0\sl-322\slmult0 \par\pard\
ql \li1728\sb88\sl-322\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf16
\f17\fs28 1.1\ul0\nosupersub\cf40\f41\fs28 \ul0\nosupersub\cf16\f17\fs28 Metho
dology\par\pard\column \ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \li6629\sb0\s
l-184\slmult0 \par\pard\ql \li20\sb175\sl-184\slmult0\tx3521 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Financial
Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011 \par\
pard\sect\sectd\sbknone \qj \li1728\ri1261\sb81\sl-376\slmult0 \up0 \expndtw0\ch
arscalex103 \ul0\nosupersub\cf25\f26\fs22 Methodology used for analysis is ratio
analysis because it is a powerful tool to analyze financial \line \up0 \expndtw
-1\charscalex100 statements of any company. Ratio analysis measures inter-relati
onship between various items of the \line \up0 \expndtw0\charscalex100 financial
statements. Ratios are taken as guide lines for these are useful in evaluating
a company\u8223?s \line \up0 \expndtw-2\charscalex100 financial position and ope
ration and making comparison with results in previous years or with others \line
\up0 \expndtw0\charscalex100 in the same industry. The primary objective of rat
io analysis is to point out areas requiring further \line \up0 \expndtw0\charsca

lex102 investigation. Ratios are calculated from the following financial stateme
nts and relevant notes to \line \up0 \expndtw-3\charscalex100 accounts. \par\par
d\ql \li3168\sb0\sl-253\slmult0 \par\pard\ql\li3168\sb0\sl-253\slmult0 \par\pard
\ql\li3168\sb0\sl-253\slmult0 \par\pard\ql\li3168\sb27\sl-253\slmult0 \up0 \expn
dtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\
f26\fs22 Balance Sheet \par\pard\ql \li3168\sb147\sl-253\slmult0 \up0 \expndtw
-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26
\fs22 Profit and Loss Account \par\pard\qj \li3168\ri5738\sb43\sl-380\slmult0
\up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupe
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ow Statement \par\pard\qj \li1728\ri1199\sb281\sl-380\slmult0 \up0 \expndtw0\cha
rscalex107 Total equity is computed as the sum of ordinary share capital plus re
serve & surplus plus un\up0 \expndtw-2\charscalex100 appropriated profit/loss
while the revaluation, intangible assets etc. are clubbed together in \u8222?oth
ers\u8223? of \up0 \expndtw0\charscalex100 total equity section. For foreign ban
ks, the ordinary share capital is replaced by head office capital \up0 \expndtw3\charscalex100 account. Since the financial sector comprises variety of financi
al institutions having peculiar business \up0 \expndtw-3\charscalex100 activitie
s, therefore, variables used for analysis would be different for each sector. \p
ar\pard\ql \li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \pa
r\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\
pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pa
rd\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard
\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\q
l\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\
li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li
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osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-322\slmult0 \par\pard\ql\l
i1728\sb157\sl-322\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf16\f17
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and Definitions \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb10
0\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Bank
s and Development Finance Institutions (DFIs) \par\pard\ql \li1728\sb123\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Following va
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lmult0 \par\pard\ql\li2179\sb72\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf29\f30\fs24 Shareholders\u8217? Equity \par\pard\ql \li2628\sb123
\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The
sum of following items except \u8220?others\u8221? is considered for analysis: \
par\pard\qj \li3168\ri2086\sb26\sl-400\slmult0 \up0 \expndtw-2\charscalex100 \u3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Ordinary Sha
re Capital or Head Office Account (in case of foreign bank) \up0 \expndtw-4\char
scalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Reserves \par\pard\ql \li3168\ri3155\sb17\sl-380\slmult0 \up0 \expndtw-4\charsca
lex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Unappropriated Profit/Loss \line \up0 \expndtw-5\charscalex100 \u-3913?\ul0\nosupe
rsub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Others \par\pard\ql \li2179\s
b0\sl-276\slmult0 \par\pard\ql\li2179\sb50\sl-276\slmult0 \up0 \expndtw0\charsca
lex100 \ul0\nosupersub\cf29\f30\fs24 Liabilities \par\pard\ql \li2628\sb3\sl-253
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Bills Paya
bles, borrowings and deposits being the major items contributing toward
s \par\pard\qj \li2628\ri1217\sb23\sl-380\slmult0 \up0 \expndtw0\charscalex100 l
iabilities of banks and DFIs are taken for analysis, the remaining heads of liab
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0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Bills Payables \par\
pard\ql \li3168\ri5181\sb34\sl-390\slmult0 \up0 \expndtw-4\charscalex100 \u-3913
?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Borrowing from F
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b\cf25\f26\fs22 Others \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\li
2179\sb49\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf29\f30\
fs24 Assets \par\pard\qj \li2628\ri1251\sb39\sl-380\slmult0 \up0 \expndtw0\chars
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\cols2\colno1\colw7778\colsr160\colno2\colw4162\colsr160\ql \li2179\sb0\sl-276\s
lmult0 \par\pard\ql \li3168\sb53\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u
l0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupers
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s24 \ul0\nosupersub\cf17\f18\fs24 Balances with Other Banks\par\pard\ql \li316
8\sb84\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf18
\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Lending to Financial Institutions\par\
pard\ql \li3168\sb84\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \u-3913?\ul0\n
osupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Investment\par\pard\ql \
li3168\sb84\sl-276\slmult0 \up0 \expndtw-5\charscalex100 \u-3913?\ul0\nosupersub
\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Gross Advances\par\pard\ql \li217
9\sb0\sl-276\slmult0 \par\pard\ql \li2179\sb1\sl-276\slmult0 \up0 \expndtw0\char
scalex101 \ul0\nosupersub\cf29\f30\fs24 Profit and Loss Account\par\pard\column
\ql \li2628\sb0\sl-276\slmult0 \par\pard\ql \li20\sb53\sl-276\slmult0 \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f
19\fs24 \ul0\nosupersub\cf17\f18\fs24 Advances -Non-Performing/Classified\par\p
ard\qj \li20\ri1128\sb15\sl-360\slmult0 \up0 \expndtw-5\charscalex100 \u-3913?\u
l0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Provision Against Adv
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nosupersub\cf17\f18\fs24 Advances Net of Provision \up0 \expndtw-6\charscalex100
\u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Fixed Asse
ts\par\pard\ql \li20\sb70\sl-276\slmult0 \up0 \expndtw-9\charscalex100 \u-3913?\
ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Others \par\pard\sec
t\sectd\sbknone \li2628\sb137\sl-253\slmult0\fi0 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf25\f26\fs22 The following items are included for analysis. The
relevant figures are obtained from profit\par\pard\sect\sectd\sbknone \li2628\sb
126\sl-253\slmult0\fi0 \up0 \expndtw-3\charscalex100 and loss accounts and notes
to financial statements.\par\pard\sect\sectd\sbknone \li2628\sb143\sl-276\slmul
t0\fi540\tx7976\tx8473 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf17\f18\fs
24 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Interes
t Earned\tab \up0 \expndtw-4\charscalex100 \u-3913?\tab \up0 \expndtw-4\charscal
ex100 Non-Interest Income\par\pard\sect\sectd\sbknone \li2628\sb84\sl-276\slmult
0\fi540\tx7976\tx8473 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf18
\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Interest Expensed\tab \up0 \expndtw-4\
charscalex100 \u-3913?\tab \up0 \expndtw-4\charscalex100 Non-Interest Expense\pa
r\pard\ql \li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb124\sl-276\slmult0 \u
p0 \expndtw-3\charscalex100 3
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0 \expndtw-5\charscalex100 Administrative Expenses\par\pard\li3168\sb85\sl-276\s
lmult0\fi0\tx7976\tx8473 \up0 \expndtw-5\charscalex100 \u-3913?\ul0\nosupersub\c
f18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Provision and Write-offs\tab \up0 \
expndtw-5\charscalex100 \u-3913?\tab \up0 \expndtw-5\charscalex100 Profit/Loss b
efore Tax\par\pard\li3168\sb84\sl-276\slmult0\fi0\tx7976\tx8473 \up0 \expndtw-5\
charscalex100 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs
24 Net Interest Income after Provision\tab \up0 \expndtw-5\charscalex100 \u-391
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b195\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24
Other Items \par\pard\ql \li3168\sb0\sl-253\slmult0 \par\pard\ql\li3168\sb50\sl253\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?
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calex100 \ul0\nosupersub\cf25\f26\fs22 Outstanding shares at end of the period a
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cf35\f36\fs22 \ul0\nosupersub\cf28\f29\fs22 Cash Dividend \par\pard\qj \li388
8\ri1268\sb0\sl-380\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f2
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0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosu
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b23\sl-380\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf25\f26\fs22 Th
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\ul0\nosupersub\cf28\f29\fs22 Cash Generated from Operating Activities \par\p
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pndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf2
8\f29\fs22 Commitment and Contingencies \par\pard\qj \li3888\ri1235\sb0\sl-380
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 This is an
off balance sheet item. The detail is given in notes to accounts and \line \up0
\expndtw-2\charscalex100 the sum of all kinds of commitments and contingencies i
s taken for analysis. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li172
8\sb27\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs2
4 Leasing Companies \par\pard\ql \li1728\sb123\sl-253\slmult0 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf25\f26\fs22 Following variables are involved in th
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rd\ql\li2179\sb72\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f29\f30\fs24 Shareholders\u8217? Equity \par\pard\qj \li2628\ri1210\sb19\sl-380\
slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Shareholders
\u8223? equity includes share capital, reserves and un-appropriated profit/loss.
Any \up0 \expndtw-3\charscalex100 other item(s) mentioned in the balance sheet
under shareholders\u8223? equity is pooled under the \up0 \expndtw-7\charscalex1
00 head \u8222?others\u8223?. \par\pard\ql \li2179\sb106\sl-276\slmult0 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Liabilities \par\pard\qj \li2
628\ri1205\sb39\sl-380\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf2
5\f26\fs22 Borrowings from financial institutions and deposits with financial in
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d\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\
ql\li6205\sb174\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1
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pndtw-4\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf35
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cf25\f26\fs22 Net Finance-Investment \line \up0 \expndtw-4\charscalex100 \u-39
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\par\pard\ql \li2808\ri3970\sb2\sl-400\slmult0 \up0 \expndtw-4\charscalex100 \u
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rd\qj \li2628\ri2393\sb22\sl-400\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
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pooled under \u8222?others\u8223? \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nos
upersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash and Balances with Ce
ntral Bank \par\pard\ql \li2808\ri3274\sb0\sl-400\slmult0 \up0 \expndtw-4\charsc
alex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 B
alances with Other Banks \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupe
rsub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Placement with Other Banks \
line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\n
osupersub\cf25\f26\fs22 Others \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pa
rd\ql\li2179\sb8\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
29\f30\fs24 Profit and Loss Account \par\pard\qj \li2628\ri1251\sb39\sl-380\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The amounts repo
rted under the following heads are extracted from profit and loss accounts \up0
\expndtw-4\charscalex100 along with relevant notes to accounts: \par\pard\li2808
\sb0\sl-253\slmult0\par\pard\li2808\sb80\sl-253\slmult0\fi0\tx7302 \up0 \expndtw
-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26

\fs22 Income from Operating Lease\tab \up0 \expndtw-2\charscalex100 \u-3913?\u

l0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Administrative Expe
nses\par\pard\li2808\sb143\sl-253\slmult0\fi0\tx7302 \up0 \expndtw-2\charscalex1
00 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Income
from Investment\tab \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\
f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Profit/Loss before Tax\par\pard\li2808
\sb141\sl-253\slmult0\fi0\tx7302 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosu
persub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Income from Finances\tab \
up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosuper
sub\cf25\f26\fs22 Profit/Loss after Tax\par\pard\ql \li2808\sb129\sl-253\slmul
t0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nos
upersub\cf25\f26\fs22 Other Income \par\pard\ql \li2179\sb268\sl-276\slmult0 \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Other Items \par\pard
\ql \li2808\sb0\sl-253\slmult0 \par\pard\ql\li2808\sb30\sl-253\slmult0 \up0 \exp
ndtw-4\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf35\
f36\fs22 \ul0\nosupersub\cf28\f29\fs22 No. of Ordinary Shares \par\pard\qj \l
i2808\ri3444\sb0\sl-400\slmult0\fi631 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf25\f26\fs22 The number of shares outstanding as on balance sheet date \up0
\expndtw-3\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub
\cf28\f29\fs22 Cash Dividend \par\pard\qj \li3439\ri1237\sb0\sl-380\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The amount of cash div
idend is taken as percentage of the dividend declared during \up0 \expndtw-3\cha
rscalex100 the period. \par\pard\ql \li6205\sb0\sl-276\slmult0 \par\pard\ql\li62
05\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205
\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb105\sl-276\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf17\f18\fs24 5
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz99\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s

p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}

}}
{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g13}{\bkmkend Pg13}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li2808\sb0\sl-253\slmult0 \par\pard\ql\l
i2808\sb243\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf25\f2
6\fs22 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf28\f29\fs22 St
ock Dividend \par\pard\qj \li3439\ri1250\sb23\sl-380\slmult0 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf25\f26\fs22 The number of bonus shares declared is
also taken as percentage amount during the \up0 \expndtw-3\charscalex100 period.
\par\pard\ql \li2808\sb125\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913
?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf28\f29\fs22 Cash Generated f
rom Operating Activities \par\pard\ql \li3439\sb127\sl-253\slmult0 \up0 \expndtw
-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The amount is taken from the cash
flow statement. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb5
2\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Inv
estment Banks \par\pard\ql \li2179\sb0\sl-253\slmult0 \par\pard\ql\li2179\sb150\
sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Follo
wing variables are used in the analysis of investment banks: \par\pard\ql \li217
9\sb0\sl-276\slmult0 \par\pard\ql\li2179\sb72\sl-276\slmult0 \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf29\f30\fs24 Shareholders\u8217? Equity \par\pard\ql
\li2628\sb123\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25
\f26\fs22 The composition and explanation of shareholders\u8223? equity is same
as explained earlier. \par\pard\ql \li2179\sb148\sl-276\slmult0 \up0 \expndtw0\c
harscalex100 \ul0\nosupersub\cf29\f30\fs24 Liabilities \par\pard\qj \li2628\ri12
37\sb19\sl-380\slmult0\fi55 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f2
6\fs22 The amount of current and non-current liabilities is taken from the balan
ce sheet and the \up0 \expndtw-3\charscalex100 sum of these two is the same as t
otal liabilities of the company. \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pa
rd\ql\li2179\sb50\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f29\f30\fs24 Assets \par\pard\qj \li2722\ri1234\sb19\sl-380\slmult0 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Current assets are classified in
to \u8222?cash and bank balances\u8223? and \u8222?others\u8223? while non-curre
nt \up0 \expndtw-2\charscalex100 assets are divided into three heads i.e., long

term investment, fixed assets, and others.\par\pard\sect\sectd\sbknone\cols2\col

no1\colw6765\colsr160\colno2\colw5175\colsr160\ql \li2957\sb0\sl-276\slmult0 \pa
r\pard\ql \li2957\sb52\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf29\f30\fs24 Current Assets\par\pard\ql \li3168\sb152\sl-276\slmult0 \up0 \
expndtw-5\charscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf
18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Cash and Banks Balances\par\pard\ql
\li3168\sb153\sl-276\slmult0 \up0 \expndtw-8\charscalex100 \u-3913?\ul0\nosupers
ub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Others\par\pard\ql \li2179\sb0\
sl-276\slmult0 \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql \li2179\sb22
8\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Prof
it and Loss Account\par\pard\column \ql \li6925\sb0\sl-276\slmult0 \par\pard\ql
\li20\sb52\sl-276\slmult0 \up0 \expndtw-3\charscalex100 Non-Current Assets\par\p
ard\qj \li224\ri2303\sb26\sl-429\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosu
persub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17
\f18\fs24 Long Term Investment \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosu
persub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Fixed Assets\par\pard\ql \
li224\sb130\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub
\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Others \par\pard\sect\sectd\sbkn
one \qj \li2498\ri1254\sb24\sl-380\slmult0 \up0 \expndtw0\charscalex107 \ul0\nos
upersub\cf25\f26\fs22 The following items are taken for analysis. The relevant f
igures are taken from profit \up0 \expndtw-3\charscalex100 and loss account and
notes to financial statements. \par\pard\ql \li3168\sb105\sl-253\slmult0 \up0 \e
xpndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf
25\f26\fs22 Gross Revenues \par\pard\qj \li3168\ri5023\sb26\sl-400\slmult0 \up
0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersu
b\cf25\f26\fs22 Administrative and Operating Expenses \up0 \expndtw-4\charscal
ex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Ope
rating Profit \par\pard\ql \li3168\ri3359\sb1\sl-400\slmult0 \up0 \expndtw-4\cha
rscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Profit/Loss before Tax \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupe
rsub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Profit/Loss after Tax \par\p
ard\ql \li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pa
rd\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard
\ql\li6205\sb59\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf1
7\f18\fs24 6
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
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}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
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}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\shp {\*\shpinst\shpleft1728\shptop3857\shpright3655\shpbottom3881\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;4;(0,24);(1927,24);(1927,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g14}{\bkmkend Pg14}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6469\colsr160\c
olno2\colw5471\colsr160\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql \li2179\sb0\s
l-276\slmult0 \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql \li2179\sb0\s
l-276\slmult0 \par\pard\ql \li2179\sb114\sl-276\slmult0 \up0 \expndtw0\charscale
x101 \ul0\nosupersub\cf29\f30\fs24 Other Items\par\pard\ql \li2827\sb134\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 These includ
e:\par\pard\ql \li3168\sb141\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-391
3?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 No. of Ordinary
Shares\par\pard\ql \li3168\sb143\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \
u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Divid
end\par\pard\ql \li3168\sb143\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-39
13?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Stock Dividend
\par\pard\column \ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \li6629\sb0\sl-184\

slmult0 \par\pard\ql \li20\sb175\sl-184\slmult0\tx3521 \up0 \expndtw-2\charscale

x100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Financial Secto
r\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011 \par\pard\s
ect\sectd\sbknone \ql \li3168\sb148\sl-253\slmult0 \up0 \expndtw-4\charscalex100
\ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosup
ersub\cf25\f26\fs22 Cash Generated from Operating Activities \par\pard\ql \li1
728\sb128\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\
fs24 Mutual Funds (Close Ended) \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\par
d\ql\li1728\sb10\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf
25\f26\fs22 The analysis includes the following variables: \par\pard\ql \li2179\
sb128\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24
Shareholders\u8217? Equity \par\pard\ql \li2539\sb143\sl-253\slmult0 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The composition and explanatio
n of shareholders\u8223? equity is same as explained earlier. \par\pard\ql \li21
79\sb128\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs
24 Liabilities \par\pard\qj \li2448\ri1254\sb39\sl-380\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf25\f26\fs22 As the financial activities of mutual
funds are limited, the composition of liabilities is divided \up0 \expndtw-4\ch
arscalex100 into two heads as follows: \par\pard\qj \li3168\ri5829\sb204\sl-400\
slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul
0\nosupersub\cf25\f26\fs22 Payable to Investment Adviser \up0 \expndtw-4\chars
calex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Others \par\pard\ql \li2179\sb103\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf29\f30\fs24 Assets \par\pard\qj \li2448\ri1209\sb19\sl-380\slmu
lt0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The asset base of
mutual fund is also not broad, therefore, for analysis it is limited to three \
line \up0 \expndtw-2\charscalex100 items. These are available in the company\u82
23?s balance sheet and notes to financial statements. \par\pard\ql \li3168\sb0\s
l-253\slmult0 \par\pard\ql\li3168\sb72\sl-253\slmult0 \up0 \expndtw-4\charscalex
100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash
and Banks Balances \par\pard\ql \li3168\sb147\sl-253\slmult0 \up0 \expndtw-4\cha
rscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Investment \par\pard\ql \li3168\sb147\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Othe
rs \par\pard\ql \li2179\sb128\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf29\f30\fs24 Profit and Loss Account \par\pard\qj \li2448\ri1243\sb9
9\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The
following items are taken into consideration for analysis. The releva
nt figures are \up0 \expndtw-2\charscalex100 obtained from profit and loss acc
ount and notes to financial statements. \par\pard\li2477\sb131\sl-253\slmult0\fi
0\tx6846 \up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \u
l0\nosupersub\cf25\f26\fs22 Interest Income\tab \up0 \expndtw-3\charscalex100 \
u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Other Inco
me\par\pard\li2477\sb16\sl-253\slmult0\fi0\tx6846\tx8991\tx9697 \up0 \expndtw-3\
charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs
22 Dividend Income\tab \up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosupersub\cf
35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Remuneration\tab \up0 \expndtw-3\ch
arscalex100 to\tab \up0 \expndtw-3\charscalex100 Management\par\pard\li2477\sb2\
sl-253\slmult0\fi4728 \up0 \expndtw-2\charscalex100 Co-advisor\par\pard\li2477\s
b13\sl-253\slmult0\fi0\tx6846 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosuper
sub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Net Gain on Sale of Investment
\tab \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\n
osupersub\cf25\f26\fs22 Remuneration to Trustees/Custodian\par\pard\li2477\sb1
6\sl-253\slmult0\fi0\tx6846 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersu
b\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Net Unrealized Gain\tab \up0 \ex
pndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf2
5\f26\fs22 Brokerage, Commission /Fee\par\pard\li2477\sb16\sl-253\slmult0\fi0\
tx4019\tx5065\tx6860 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\
f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Income\tab \up0 \expndtw-2\charscalex10
0 from\tab \up0 \expndtw-2\charscalex100 Future\tab \up0 \expndtw-2\charscalex10

0 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Adminis

trative
and
General\par\pard\li2477\sb1\sl-253\slmult0\fi271\tx7220 \up0 \
expndtw-2\charscalex100 Transactions\tab \up0 \expndtw-2\charscalex100 Expenses\
par\pard\li2477\sb13\sl-253\slmult0\fi0\tx6860 \up0 \expndtw-2\charscalex100 \u3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Capital Gain\
tab \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\no
supersub\cf25\f26\fs22 Other Expenses\par\pard\ql \li6205\sb0\sl-276\slmult0 \
par\pard\ql\li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl-276\slmult0 \pa
r\pard\ql\li6205\sb66\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf17\f18\fs24 7
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s

hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
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{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
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{\shp {\*\shpinst\shpleft1728\shptop4094\shpright4827\shpbottom4118\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 3099}}{\sp{\sn geoBottom}{\sv 24}}
{\sp{\sn pVerticies}{\sv 8;4;(0,24);(3099,24);(3099,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g15}{\bkmkend Pg15}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\l
i2179\sb201\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30
\fs24 Other Items \par\pard\qj \li2448\ri1267\sb99\sl-380\slmult0 \up0 \expndtw0
\charscalex103 \ul0\nosupersub\cf25\f26\fs22 The information on the following is
extracted from the balance sheet and relevant notes to \up0 \expndtw-3\charscal
ex100 financial statements: \par\pard\ql \li3168\ri3329\sb4\sl-400\slmult0 \up0
\expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\
cf25\f26\fs22 No. of Ordinary Shares \line \up0 \expndtw-4\charscalex100 \u-39
13?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Dividend
\par\pard\ql \li3168\sb122\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?
\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Stock Dividend \p
ar\pard\ql \li3168\sb127\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\u
l0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Generated from
Operating Activities \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li172
8\sb72\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf29\f30\fs2
4 Modaraba Companies \par\pard\ql \li1728\sb203\sl-253\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf25\f26\fs22 Following variables are included in t
he analysis of modaraba companies: \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\
pard\ql\li2179\sb52\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf29\f30\fs24 Certificate Holders Equity \par\pard\qj \li2448\ri1205\sb99\sl-38
0\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Modaraba co
mpany issues certificates instead of shares. Therefore the amount subscribed \li
ne \up0 \expndtw0\charscalex100 through issuing certificates is termed as certif
icate capital. For analysis, certificate holders\u8223? \line \up0 \expndtw-2\ch
arscalex100 equity is the sum of \u8222?certificate capital\u8223?, \u8222?reser
ves\u8223?, and un-appropriated profit/loss. Any other \line \up0 \expndtw-2\cha
rscalex100 items under the section of certificate holders equity is pooled under
the head of \u8222?others\u8223?. \par\pard\ql \li3168\sb125\sl-253\slmult0 \up
0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersu
b\cf25\f26\fs22 Certificates Capital \par\pard\ql \li3168\sb147\sl-253\slmult0
\up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosup
ersub\cf25\f26\fs22 Reserves \par\pard\ql \li3168\ri3111\sb6\sl-400\slmult0 \u
p0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupers
ub\cf25\f26\fs22 Un-appropriated Profit/Loss \line \up0 \expndtw-4\charscalex1

00 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Others

\par\pard\ql \li2179\sb243\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nos
upersub\cf29\f30\fs24 Liabilities \par\pard\ql \li2448\sb203\sl-253\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 These include current an
d non-current liabilities taken from the balance sheet. \par\pard\ql \li2179\sb0
\sl-276\slmult0 \par\pard\ql\li2179\sb72\sl-276\slmult0 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf29\f30\fs24 Assets \par\pard\qj \li2448\ri1240\sb99\sl-3
80\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The curre
nt and non-current assets and their break up are taken from balance sheet. In ca
se of \line \up0 \expndtw-1\charscalex100 current assets the amount of cash and
bank balances is taken separately while the remaining \line \up0 \expndtw-2\char
scalex100 current assets are pooled under \u8220?others\u8221?. Similarly, long
term investment and fixed assets are \line \up0 \expndtw-2\charscalex100 taken i
ndividually while the remaining non-current assets are pooled under \u8220?other
s\u8221?. \par\pard\li3170\sb113\sl-276\slmult0\fi0\tx7590 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf29\f30\fs24 Current Assets\tab \up0 \expndtw-3\charsc
alex100 Non-Current Assets\par\pard\li3170\sb146\sl-253\slmult0\fi300\tx7810 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub
\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash and Banks Balances\tab \up0
\expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub
\cf25\f26\fs22 Long Term Investment\par\pard\li3170\sb143\sl-253\slmult0\fi300
\tx7810 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul
0\nosupersub\cf25\f26\fs22 Others\tab \up0 \expndtw-2\charscalex100 \u-3913?\u
l0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Fixed Assets\par\pa
rd\ql \li7810\sb161\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub
\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf25\f26\f
s22 Others \par\pard\ql \li6205\sb0\sl-276\slmult0 \par\pard\ql\li6205\sb0\sl276\slmult0 \par\pard\ql\li6205\sb156\sl-276\slmult0 \up0 \expndtw-3\charscalex1
00 \ul0\nosupersub\cf17\f18\fs24 8
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
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{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
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{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
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{\shp {\*\shpinst\shpleft1728\shptop4749\shpright4104\shpbottom4774\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz192\shplid5
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2376}}{\sp{\sn geoBottom}{\sv 25}}
{\sp{\sn pVerticies}{\sv 8;4;(0,25);(2376,25);(2376,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g16}{\bkmkend Pg16}\par\pard\li2179\sb0\sl-184\slmult0\par\pard\li2179\sb0\sl-18
4\slmult0\par\pard\li2179\sb0\sl-184\slmult0\par\pard\li2179\sb19\sl-184\slmult0
\fi4450\tx10125 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financ
ial Statement Analysis of Financial Sector\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf8\f9\fs16 2011\par\pard\li2179\sb0\sl-276\slmult0\par\pard\li2179
\sb215\sl-276\slmult0\fi0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf29\f30
\fs24 Profit and Loss Account\par\pard\li2179\sb0\sl-253\slmult0\par\pard\li2179
\sb88\sl-253\slmult0\fi268 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f2
6\fs22 The following items are taken for analysis. The relevant figures are take
n from profit and loss\par\pard\li2179\sb128\sl-253\slmult0\fi268 \up0 \expndtw2\charscalex100 account and notes to financial statements.\par\pard\sect\sectd\s
bknone\cols2\colno1\colw6167\colsr160\colno2\colw5773\colsr160\ql \li3360\sb141\
sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs
22 \ul0\nosupersub\cf25\f26\fs22 Gross Revenues\par\pard\ql \li3360\sb177\sl253\slmult0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Operating Expenses\par\pard\ql \li3360\sb179\sl
-253\slmult0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Operating Profit\par\pard\ql \li2179\sb167\sl276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Other Ite

ms\par\pard\ql \li2448\sb204\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\n

osupersub\cf25\f26\fs22 These include:\par\pard\column \ql \li20\sb144\sl-276\sl
mult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\n
osupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Modaraba Company Manage
ment Fee\par\pard\ql \li20\sb153\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u
-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Profit/Loss
before Tax\par\pard\ql \li20\sb156\sl-276\slmult0 \up0 \expndtw-4\charscalex100
\u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Profit/L
oss after Tax \par\pard\sect\sectd\sbknone \qj \li3168\ri3133\sb30\sl-380\slmult
0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosup
ersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 No. of certificates outstan
ding as mentioned in balance sheet. \up0 \expndtw-4\charscalex100 \u-3913?\ul0\n
osupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Dividend \par\pard
\ql \li3168\sb125\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosu
persub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Stock Dividend \par\pard\q
l \li3168\sb147\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupe
rsub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Generated from Operatin
g Activities \par\pard\ql \li1728\sb128\sl-276\slmult0 \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf29\f30\fs24 Exchange Companies \par\pard\ql \li1728\sb0\s
l-253\slmult0 \par\pard\ql\li1728\sb130\sl-253\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf25\f26\fs22 Following variables are included for analysis
of exchange companies: \par\pard\ql \li2179\sb128\sl-276\slmult0 \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Shareholders\u8217? Equity \par\pa
rd\ql \li3168\sb0\sl-253\slmult0 \par\pard\ql\li3168\sb30\sl-253\slmult0 \up0 \e
xpndtw-4\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf3
5\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Share Capital \par\pard\ql \li3168\s
b147\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosupersub\cf35\f
36\fs22 \ul0\nosupersub\cf25\f26\fs22 Reserves \par\pard\ql \li3168\ri3252\sb
43\sl-380\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36
\fs22 \ul0\nosupersub\cf25\f26\fs22 Accumulated Profit/Loss \line \up0 \expnd
tw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f
26\fs22 Others \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\li2179\sb5
0\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Liab
ilities \par\pard\ql \li3168\sb203\sl-253\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf25\f26\fs22 These include: \par\pard\ql \li3168\sb147\sl-253\s
lmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0
\nosupersub\cf25\f26\fs22 Current Liabilities \par\pard\ql \li3168\sb127\sl-25
3\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \
ul0\nosupersub\cf25\f26\fs22 Non-current Liabilities \par\pard\ql \li2179\sb14
8\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Ass
ets \par\pard\ql \li2448\sb203\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf25\f26\fs22 These include: \par\pard\li2637\sb0\sl-276\slmult0\par
\pard\li2637\sb63\sl-276\slmult0\fi0\tx7251 \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf29\f30\fs24 Current Assets\tab \up0 \expndtw-3\charscalex100 Non-Cur
rent Assets\par\pard\li2637\sb150\sl-276\slmult0\fi240\tx7717 \up0 \expndtw-3\ch
arscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Cash and Banks Balances\tab \dn3 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f19\fs24
\ul0\nosupersub\cf17\f18\fs24 Long Term Investment\par\pard\li2637\sb153\sl-27
6\slmult0\fi240\tx7717 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs
22 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Others
\tab \dn2 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\no
supersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Fixed Assets\par\pard\li
6205\sb158\sl-276\slmult0\fi1512 \up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosu
persub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Others\par\pard\li6205\sb0
\sl-276\slmult0\par\pard\li6205\sb33\sl-276\slmult0\fi0 \up0 \expndtw-3\charscal
ex100 9
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
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{\shp {\*\shpinst\shpleft1728\shptop6838\shpright4025\shpbottom6862\shpfhdr0\shp
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{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{

\sn geoRight}{\sv 2297}}{\sp{\sn geoBottom}{\sv 24}}
{\sp{\sn pVerticies}{\sv 8;4;(0,24);(2297,24);(2297,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g17}{\bkmkend Pg17}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\l
i2179\sb0\sl-276\slmult0 \par\pard\ql\li2179\sb145\sl-276\slmult0 \up0 \expndtw0
\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Profit and Loss Account \par\pard\q
l \li2448\ri2933\sb99\sl-380\slmult0\tx3168 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf25\f26\fs22 The following items are taken from profit and loss accou
nt of the company: \line\tab \up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosupers
ub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Revenues \par\pard\ql \li3168\
ri5915\sb4\sl-400\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\
cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Admin and General Expenses \up0 \
expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\c
f25\f26\fs22 Profit/Loss before Tax \line \up0 \expndtw-4\charscalex100 \u-391
3?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Profit/Loss aft
er Tax \par\pard\ql \li2179\sb243\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf29\f30\fs24 Other Items \par\pard\ql \li2448\ri2418\sb99\sl-380
\slmult0\tx3168 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The
following items are extracted mainly from notes to accounts of the company: \lin
e\tab \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\
nosupersub\cf25\f26\fs22 No. of Ordinary Shares \par\pard\ql \li3168\sb125\sl253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Cash Dividend \par\pard\ql \li3168\sb147\sl-253
\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \u
l0\nosupersub\cf25\f26\fs22 Stock Dividend \par\pard\ql \li3168\sb147\sl-253\s
lmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0
\nosupersub\cf25\f26\fs22 Cash Generated from Operating Activities \par\pard\q
l \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb52\sl-276\slmult0 \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Housing Finance \par\pard\ql \l
i1728\sb143\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f2
6\fs22 Following variables are involved in the analysis of housing finance compa
ny: \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\li2179\sb52\sl-276\slmu
lt0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Shareholders\u82
17? Equity \par\pard\qj \li2448\ri1259\sb99\sl-380\slmult0 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf25\f26\fs22 The total shareholders\u8223? equity is t
aken as sum of share capital, reserves, and un-appropriated \up0 \expndtw0\chars
calex100 profit/loss while other items in the shareholders\u8223? equity section
of balance sheet are pooled \up0 \expndtw-3\charscalex100 under \u8220?others\u
8221?. \par\pard\ql \li3168\ri3760\sb4\sl-400\slmult0 \up0 \expndtw-4\charscalex
100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Share
Capital \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs
22 \ul0\nosupersub\cf25\f26\fs22 Reserves \par\pard\ql \li3168\ri3118\sb0\sl400\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Un-appropriated profit/Loss \line \up0 \expndtw
-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26
\fs22 Others \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\li2179\sb88\
sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Liabil
ities \par\pard\qj \li2448\ri1246\sb99\sl-380\slmult0 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf25\f26\fs22 These include current and non-current liabilit
ies, the amounts of lease finance and long-term \up0 \expndtw-2\charscalex100 fi

nance are extracted from \u8220?non-current liabilities\u8221? section while the

remaining items of non\up0 \expndtw-3\charscalex100 current liabilities are poo
led under \u8220?others\u8221?. \par\pard\ql \li3168\sb125\sl-253\slmult0 \up0 \
expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\c
f25\f26\fs22 Current liabilities \par\pard\ql \li3168\sb147\sl-253\slmult0 \up
0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersu
b\cf25\f26\fs22 Noncurrent liabilities \par\pard\ql \li6145\sb0\sl-276\slmult0
\par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \
par\pard\ql\li6145\sb60\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupe
rsub\cf17\f18\fs24 10
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz99\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s

hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1728\shptop7160\shpright3530\shpbottom7184\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz271\shplid5
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1802}}{\sp{\sn geoBottom}{\sv 24}}
{\sp{\sn pVerticies}{\sv 8;4;(0,24);(1802,24);(1802,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g18}{\bkmkend Pg18}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6469\colsr160\c
olno2\colw5471\colsr160\ql \li3799\sb0\sl-253\slmult0 \par\pard\ql \li3799\sb0\s
l-253\slmult0 \par\pard\ql \li3799\sb0\sl-253\slmult0 \par\pard\ql \li3799\sb0\s
l-253\slmult0 \par\pard\ql \li3799\sb203\sl-253\slmult0 \up0 \expndtw0\charscale
x103 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\n
osupersub\cf25\f26\fs22 Lease Finance\par\pard\ql \li3799\sb127\sl-253\slmult0
\up0 \expndtw0\charscalex102 \ul0\nosupersub\cf34\f35\fs22 \u-3880?\ul0\nosuper
sub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Long Term Finance\par\pard\ql
\li3799\sb126\sl-253\slmult0 \up0 \expndtw0\charscalex108 \ul0\nosupersub\cf34\
f35\fs22 \u-3880?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Others\par\pard\ql \li2179\sb129\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul
0\nosupersub\cf29\f30\fs24 Assets\par\pard\column \ql \li6629\sb0\sl-184\slmult0
\par\pard\ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \li20\sb175\sl-184\slmult0
\tx3521 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial Stat
ement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf8\f9\fs16 2011 \par\pard\sect\sectd\sbknone \ql \li2448\sb207\sl-253\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The following it
ems of current and non-current assets are taken for analysis: \par\pard\li2637\s
b144\sl-276\slmult0\fi0\tx7292 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf2
9\f30\fs24 Current Assets\tab \up0 \expndtw-4\charscalex100 Non-Current Assets\p
ar\pard\li2637\sb149\sl-276\slmult0\fi180\tx7698\tx8072 \up0 \expndtw-4\charscal
ex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\
nosupersub\cf25\f26\fs22 Cash and Banks Balances\tab \dn2 \expndtw-4\charscale
x100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\tab \dn2 \expndtw-4\charscalex100 In
vestment in Housing Finance\par\pard\li2637\sb156\sl-276\slmult0\fi180\tx7698\tx
8072 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\no
supersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Others\tab \dn3 \expndtw
-4\charscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\tab \dn3 \expndtw-4\char
scalex100 Fixed Assets\par\pard\li7698\sb156\sl-276\slmult0\fi0\tx8072 \up0 \exp
ndtw-10\charscalex95 \u-3913?\tab \up0 \expndtw-10\charscalex95 Others\par\pard\
ql \li2179\sb0\sl-276\slmult0 \par\pard\ql\li2179\sb3\sl-276\slmult0 \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Profit and Loss account \par\pa
rd\ql \li2448\ri3203\sb122\sl-400\slmult0\tx3168 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf25\f26\fs22 The items included in the analysis are: \line\tab \
up0 \expndtw-3\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosuper
sub\cf25\f26\fs22 Revenue \par\pard\qj \li3168\ri5676\sb0\sl-400\slmult0 \up0
\expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\
cf25\f26\fs22 Admin. and Operating Expenses \up0 \expndtw-4\charscalex100 \u-3

913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Other Expense

s \par\pard\ql \li3168\ri3598\sb0\sl-400\slmult0 \up0 \expndtw-4\charscalex100 \
u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Profit bef
ore Tax \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs2
2 \ul0\nosupersub\cf25\f26\fs22 Profit after Tax \par\pard\ql \li2179\sb0\sl276\slmult0 \par\pard\ql\li2179\sb9\sl-276\slmult0 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf29\f30\fs24 Other Items \par\pard\ql \li2448\sb203\sl-253\slm
ult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 These include:
\par\pard\ql \li3168\ri3329\sb26\sl-400\slmult0 \up0 \expndtw-4\charscalex100 \u
-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 No. of Ordi
nary Shares \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36
\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Dividend \par\pard\ql \li3168\sb102\
sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs
22 \ul0\nosupersub\cf25\f26\fs22 Stock Dividend \par\pard\ql \li3168\sb147\sl
-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22
\ul0\nosupersub\cf25\f26\fs22 Cash Generated from Operating Activities \par\
pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\p
ard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\par
d\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\
ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql
\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\l
i6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6
145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb260\sl-276\slmult0 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf17\f18\fs24 11
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz99\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g19}{\bkmkend Pg19}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\l
i1728\sb201\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30
\fs24 Venture Capital \par\pard\ql \li1728\sb203\sl-253\slmult0 \up0 \expndtw-3\
charscalex100 \ul0\nosupersub\cf25\f26\fs22 Following variables are included in
the analysis of venture capital: \par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pa
rd\ql\li2179\sb72\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f29\f30\fs24 Shareholders\u8217? Equity \par\pard\qj \li2448\ri1203\sb99\sl-380\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The sharehol
ders\u8223? equity is the sum of share capital, reserve and un-appropriated prof
it/loss, \up0 \expndtw-4\charscalex100 while the remaining items are pooled unde
r \u8222?others\u8223?. \par\pard\ql \li3168\sb105\sl-253\slmult0 \up0 \expndtw4\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\
fs22 Share Capital \par\pard\ql \li3168\sb147\sl-253\slmult0 \up0 \expndtw-3\c
harscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs2
2 Reserves \par\pard\ql \li3168\ri3091\sb26\sl-400\slmult0 \up0 \expndtw-4\cha
rscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22
Un Appropriated Profit/Loss \line \up0 \expndtw-4\charscalex100 \u-3913?\ul0\n
osupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Others \par\pard\ql \li
2179\sb243\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\
fs24 Liabilities \par\pard\ql \li2448\ri5313\sb99\sl-380\slmult0\tx3168 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 These include current and no
n-current liabilities. \line\tab \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosu
persub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Current Liabilities \par\p
ard\ql \li3168\sb125\sl-253\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\n
osupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Non-Current Liabilities
\par\pard\ql \li2179\sb268\sl-276\slmult0 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf29\f30\fs24 Assets \par\pard\ql \li2448\sb203\sl-253\slmult0 \up0 \ex
pndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The current and non-current
assets include.\par\pard\sect\sectd\sbknone\cols2\colno1\colw7012\colsr160\colno
2\colw4928\colsr160\ql \li3576\sb0\sl-276\slmult0 \par\pard\ql \li3576\sb80\sl-2
76\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Current A
ssets\par\pard\ql \li3997\sb146\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul

0\nosupersub\cf25\f26\fs22 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersu

b\cf25\f26\fs22 Cash and Bank Balances\par\pard\ql \li3997\sb179\sl-253\slmult
0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosu
persub\cf25\f26\fs22 Investment\par\pard\ql \li3997\sb179\sl-253\slmult0 \up0
\expndtw-1\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\
cf25\f26\fs22 Others\par\pard\ql \li2179\sb0\sl-276\slmult0 \par\pard\ql \li21
79\sb0\sl-276\slmult0 \par\pard\ql \li2179\sb251\sl-276\slmult0 \up0 \expndtw0\c
harscalex101 \ul0\nosupersub\cf29\f30\fs24 Profit and Loss Account\par\pard\ql \
li2448\sb204\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f
26\fs22 The following items are included in the analysis.\par\pard\ql \li3168\sb
143\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f3
6\fs22 \ul0\nosupersub\cf25\f26\fs22 Income\par\pard\ql \li3168\sb141\sl-253\
slmult0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f36\fs22 \ul
0\nosupersub\cf25\f26\fs22 Admin. and Operating Expense\par\pard\ql \li3168\sb
144\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-3913?\ul0\nosupersub\cf35\f3
6\fs22 \ul0\nosupersub\cf25\f26\fs22 Operating Profit\par\pard\ql \li3168\sb1
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charscalex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f19\fs2
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lsr160\ql \li3917\sb156\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul
0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Net Premium\par\pard
\ql \li3917\sb154\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosu
persub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Gross Premium\par\pard\ql
\li3917\sb156\sl-276\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupers
ub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Gross Claims\par\pard\ql \li21
79\sb0\sl-276\slmult0 \par\pard\ql \li2179\sb142\sl-276\slmult0 \up0 \expndtw0\c
harscalex101 \ul0\nosupersub\cf29\f30\fs24 Other Items\par\pard\ql \li2448\sb273
\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf17\f18\fs24 These
include:\par\pard\ql \li3168\sb0\sl-253\slmult0 \par\pard\ql \li3168\sb174\sl-2
53\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 \u-3913?\
ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 No. of Ordinary Sh
ares\par\pard\ql \li3168\sb143\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-3
913?\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Dividend
\par\pard\ql \li3168\sb144\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \u-3913?
\ul0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Stock Dividend\pa
r\pard\ql \li3168\sb140\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u-3913?\ul
0\nosupersub\cf35\f36\fs22 \ul0\nosupersub\cf25\f26\fs22 Cash Generated from
Operating Activities\par\pard\ql \li1728\sb0\sl-322\slmult0 \par\pard\ql \li1728
\sb223\sl-322\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf43\f44\fs28
1.3\ul0\nosupersub\cf44\f45\fs28 \ul0\nosupersub\cf16\f17\fs28 Performance In
dicators\par\pard\column \ql \li20\sb156\sl-276\slmult0 \up0 \expndtw-4\charscal
ex100 \ul0\nosupersub\cf17\f18\fs24 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\
nosupersub\cf17\f18\fs24 Underwriting Profit\par\pard\qj \li20\ri1857\sb26\sl432\slmult0 \up0 \expndtw-4\charscalex100 \u-3913?\ul0\nosupersub\cf18\f19\fs24
\ul0\nosupersub\cf17\f18\fs24 Profit before Tax \line \up0 \expndtw-4\charsca
lex100 \u-3913?\ul0\nosupersub\cf18\f19\fs24 \ul0\nosupersub\cf17\f18\fs24 Pr
ofit after Tax \par\pard\sect\sectd\sbknone \qj \li1728\ri1258\sb233\sl-380\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Pakistan\u8223?s
financial sector is an integration of institutions of diversified nature includ
ing Banks DFIs, \line \up0 \expndtw-2\charscalex100 Leasing Companies, Modaraba
Companies, Insurance Companies, Investment Banks, etc. Therefore, \line \up0 \ex
pndtw-1\charscalex100 ratios used to analyze these sectors may be different in s
ome cases as different sectors have peculiar \line \up0 \expndtw0\charscalex106
business activities but some ratios are common to all sectors. Some important ra
tios and their \line \up0 \expndtw-3\charscalex100 explanations are given below
which may be read in combination with the analysis sheet of each sector \line \u

p0 \expndtw-4\charscalex100 separately. \par\pard\ql \li1728\ri3704\sb78\sl-480\

slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Efficiency/Pr
ofitability Ratio \line \up0 \expndtw0\charscalex100 Spread Ratio \par\pard\ql \
li3168\sb248\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf28\f
29\fs22 = \par\pard\ql \li6145\sb268\sl-276\slmult0 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf17\f18\fs24 14
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz99\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}

{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}

}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft3348\shptop14173\shpright4678\shpbottom14193\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz948\shplid5
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1330}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;4;(0,20);(1330,20);(1330,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g22}{\bkmkend Pg22}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\ri1329\sb372\sl-380\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Spread is the gap between
interest rate a bank charges on loans and rate pays on deposits. The amount \up
0 \expndtw-2\charscalex100 of total interest earned divided by the total interes
t paid to depositors as mentioned in the income \line \up0 \expndtw-3\charscalex
100 statement. This ratio is useful for Banks and DFIs. \par\pard\ql \li1728\sb0
\sl-276\slmult0 \par\pard\ql\li1728\sb30\sl-276\slmult0 \up0 \expndtw0\charscale
x101 \ul0\nosupersub\cf29\f30\fs24 Net Interest Margin Ratio \par\pard\ql \li504
3\sb180\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs
16 -\par\pard\li3168\sb0\sl-198\slmult0\fi0\tx6980 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf28\f29\fs22 =\tab \up0 \expndtw-3\charscalex100 \ul0\nosupers
ub\cf25\f26\fs22 *100\par\pard\qj \li1728\ri1237\sb237\sl-380\slmult0 \up0 \expn
dtw-1\charscalex100 This ratio indicates the earning capacity through core banki
ng business by utilizing all assets. Banks \up0 \expndtw0\charscalex100 normally
borrow from savers and lend to investors. It is the ratio between the differenc
e of interest \up0 \expndtw-2\charscalex100 income and interest expense to total
assets. It is also useful for Banks and DFIs. \par\pard\ql \li1728\sb0\sl-276\s
lmult0 \par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf29\f30\fs24 Return on Assets (ROA) \par\pard\qj \li1728\sb0\sl-38
0\slmult0 \par\pard\qj\li1728\ri1265\sb159\sl-380\slmult0 \up0 \expndtw0\charsca
lex105 \ul0\nosupersub\cf25\f26\fs22 This ratio expresses the capacity of earnin
g profit by a bank on its total assets employed in the \up0 \expndtw0\charscalex
103 business. It is calculated as percentage of net profit after tax to total as
sets. It is useful for whole \up0 \expndtw-3\charscalex100 financial sector. \pa
r\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb30\sl-276\slmult0 \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Return on Equity (ROE)
\par\pard\ql \li5437\sb223\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nos
upersub\cf25\f26\fs22 *100 \par\pard\qj \li1728\ri1263\sb323\sl-380\slmult0 \up0
\expndtw0\charscalex100 Total Shareholders\u8223? Equity (Pakistani Banks) = Sh
are Capital + Reserves + Un-appropriated Profit \up0 \expndtw-3\charscalex100 (L
oss) \par\pard\ql \li1728\sb105\sl-253\slmult0 \up0 \expndtw-2\charscalex100 Tot
al Shareholders\u8223? Equity (Foreign Banks) =H.O Capital Account + Reserves +U
nremitted Profit \par\pard\qj \li1728\ri1253\sb23\sl-380\slmult0 \up0 \expndtw0\
charscalex102 This ratio expresses the return on shareholders\u8223? equity. ROE
is a direct measure of returns to the \up0 \expndtw-2\charscalex100 shareholder
s. It is calculated as a percentage of the net profit after tax to total Shareh
olders\u8223? equity. It \up0 \expndtw-3\charscalex100 is also useful for whole
financial sector. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\s

b30\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 N

on-Interest Income to Total Assets Ratio \par\pard\qj \li1728\sb0\sl-380\slmult0
\par\pard\qj\li1728\ri1243\sb379\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf25\f26\fs22 Ratio on incomes earned other than mark-up e.g. cap
ital gains, commission, fee to total assets etc. This \up0 \expndtw-3\charscalex
100 ratio expresses how much income is earned other than mark-up through other f
unctions of the bank by \up0 \expndtw-4\charscalex100 employing total assets. It
is useful for Banks and DFIs. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard
\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\q
l\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb22\sl-276\slmult0 \up0 \expndt
w-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 15
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz99\shplid0
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 72}}
{\sp{\sn pVerticies}{\sv 8;4;(0,72);(43,72);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft1598\shptop1154\shpright9988\shpbottom1197\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz101\shplid1
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 8390}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(8390,43);(8390,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop791\shpright10031\shpbottom1154\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz103\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 363}}
{\sp{\sn pVerticies}{\sv 8;4;(0,363);(43,363);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft9988\shptop1154\shpright10031\shpbottom1197\shpfhdr0\sh
pbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz105\shplid3
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 43}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(43,43);(43,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}

{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz107\shplid4
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1174}}{\sp{\sn geoBottom}{\sv 43}}
{\sp{\sn pVerticies}{\sv 8;4;(0,43);(1174,43);(1174,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft3348\shptop3473\shpright6925\shpbottom3493\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz191\shplid5
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 3577}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;4;(0,20);(3577,20);(3577,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft3394\shptop5957\shpright4894\shpbottom5977\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz264\shplid6
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 1500}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;4;(0,20);(1500,20);(1500,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft3394\shptop8230\shpright5436\shpbottom8250\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz339\shplid7
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2042}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;4;(0,20);(2042,20);(2042,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}
{\shp {\*\shpinst\shpleft3394\shptop11886\shpright5508\shpbottom11906\shpfhdr0\s
hpbxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz436\shplid8
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 2114}}{\sp{\sn geoBottom}{\sv 20}}
{\sp{\sn pVerticies}{\sv 8;4;(0,20);(2114,20);(2114,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;10;16384;45824;1;45824;1;45824;1;45824;24577;32768}
}
{\sp{\sn fFillOK}{\sv 1}}{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fillColor}{\sv 0}}{\s
p{\sn fLine}{\sv 0}}{\sp{\sn lineType}{\sv 0}}{\sp{\sn fArrowheadsOK}{\sv 1}}{\s
p{\sn fBehindDocument}{\sv 1}}{\sp{\sn lineColor}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g23}{\bkmkend Pg23}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18

4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\l
i1728\sb201\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30
\fs24 Interest Ratio \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728
\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1238\sb59\sl-380\slmult0 \up0 \expndtw
0\charscalex104 \ul0\nosupersub\cf25\f26\fs22 This ratio expresses the payment o
f interest mainly to depositors. The lower the ratio, the less the \up0 \expndtw
-3\charscalex100 company is burdened by debt expenses. It is useful for Banks an
d DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl-276\
slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Administrativ
e Expenses to Profit before Tax \par\pard\qj \li1728\sb0\sl-370\slmult0 \par\par
d\qj\li1728\sb0\sl-370\slmult0 \par\pard\qj\li1728\ri1243\sb27\sl-370\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 This ratio expresses t
he relationship between administrative expenses and profit before tax. Its purpo
se \up0 \expndtw-2\charscalex100 is to evaluate the overhead structure of a fina
ncial institution and calculate the administrative expenses \up0 \expndtw-2\char
scalex100 as a percentage of profit before tax. It is useful for whole financial
sector. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb52\sl-276
\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf29\f30\fs24 Net Interest
Income after Provision to Total Assets \par\pard\ql \li1728\sb0\sl-253\slmult0
\par\pard\ql\li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb0\sl-253\slmult0 \p
ar\pard\ql\li1728\sb104\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf25\f26\fs22 This is the ratio between interests earned less provision to
total assets.\ul0\nosupersub\cf28\f29\fs22 \ul0\nosupersub\cf25\f26\fs22 It is
useful for Banks and DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\
li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb0\sl-276\slmult0 \par\pard\ql\li
1728\sb60\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\f
s24 Non-Interest Expenses to Total Income \par\pard\qj \li1728\sb0\sl-380\slmult
0 \par\pard\qj\li1728\ri1213\sb359\sl-380\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf25\f26\fs22 The ratio expresses the percentage of non-interest
expenses to total income which reflects efficiency of \up0 \expndtw-2\charscale
x100 management in applying the banks\u8223? resources. It is useful for Banks a
nd DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl-276
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Administrat
ive Expenses to Non-Interest Income \par\pard\qj \li1728\sb0\sl-380\slmult0 \par
\pard\qj\li1728\ri1233\sb379\sl-380\slmult0 \up0 \expndtw0\charscalex104 \ul0\no
supersub\cf25\f26\fs22 This ratio expresses total administrative expenses to non
-interest income. It gives percentage of \up0 \expndtw-2\charscalex100 administr
ative expenses incurred in earning non-interest income. It is useful for Banks a
nd DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb30\sl-276
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Earnings pe
r Share (EPS) \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl
-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-2
76\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276
\slmult0 \par\pard\ql\li6145\sb28\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \
ul0\nosupersub\cf17\f18\fs24 16
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g24}{\bkmkend Pg24}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\qj \li1728\ri1251\sb372\sl-380\slmult0 \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 EPS is the ratio between n
et profit after tax to number of shares outstanding at the end of the year as \u
p0 \expndtw-1\charscalex100 shown in balance sheet and its relevant notes to acc
ounts. It is useful for whole financial sector except \up0 \expndtw-1\charscalex
100 for Modaraba Companies where certificates are issued for raising capital. \p
ar\pard\ql \li1728\sb246\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupe
rsub\cf29\f30\fs24 Return on Capital Employed (ROCE) \par\pard\ql \li4431\sb0\sl
-184\slmult0 \par\pard\ql\li4431\sb0\sl-184\slmult0 \par\pard\ql\li4431\sb12\sl184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf45\f46\fs16 -\par\pa
rd\qj \li1728\ri1247\sb95\sl-380\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosu
persub\cf25\f26\fs22 ROCE is a ratio that indicates the efficiency and profitabi
lity of a company\u8223?s capital investments. The \up0 \expndtw-3\charscalex100
amount of capital employed is calculated by subtracting current liabilities fro
m total assets. It is useful \up0 \expndtw-3\charscalex100 for whole financial s
ector except for banks, DFIs, Insurance, mutual fund. \par\pard\ql \li1728\sb0\s
l-276\slmult0 \par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf29\f30\fs24 Return on Revenue (ROR) \par\pard\qj \li1728\s
b0\sl-380\slmult0 \par\pard\qj\li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1
256\sb259\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\
fs22 This is a measure of a company\u8223?s profitability, calculated as net inc
ome divided by revenue. This ratio \up0 \expndtw-3\charscalex100 is useful for L
easing Company, Mutual Fund, etc. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\p
ard\ql\li1728\sb70\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf29\f30\fs24 Lease Ratio \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\l
i1728\ri1261\sb239\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf25\f26\fs22 The core function of a leasing company is to earn profit from oper
ating and financial lease. This ratio \up0 \expndtw-2\charscalex100 expresses ho
w much portion of total income is being generated through its core business. It
is useful \up0 \expndtw-2\charscalex100 for leasing company. \par\pard\ql \li172
8\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf29\f30\fs24 Operating Expense Ratio \par\pard\ql \l
i4885\sb203\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f2
6\fs22 *100 \par\pard\qj \li1728\ri1251\sb83\sl-380\slmult0 \up0 \expndtw-3\char
scalex100 It is a measure of operating efficiency i.e., how well the management
controls its expenses. Operating \up0 \expndtw-1\charscalex100 expense ratio can
be used to gauge the general health of the core or other businesses. It is usef
ul for \up0 \expndtw-3\charscalex100 Modaraba and Investment Banks. \par\pard\ql
\li1728\sb246\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29
\f30\fs24 Gain Ratio \par\pard\qj \li1728\sb0\sl-400\slmult0 \par\pard\qj\li1728
\ri1246\sb202\sl-400\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\
f26\fs22 A total gain comprises gain on sales of securities, gain on re-measurem
ent, gain on disposal of long\up0 \expndtw-2\charscalex100 term investment, etc.
It is useful for Mutual Fund. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard
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ndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 17
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
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\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
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osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\l
i1728\sb201\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30
\fs24 Trading Income Ratio \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\
li1728\ri1265\sb299\sl-380\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf25\f26\fs22 The core business of mutual fund is to gain from trading of shares
and securities and the higher ratio \up0 \expndtw-1\charscalex100 reflects that

funds are being efficiently managed. Both figures are taken from the income sta
tement. It \up0 \expndtw-3\charscalex100 is useful for Mutual Fund. \par\pard\ql
\li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb30\sl-276\slmult0 \up0 \expndt
w0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Modaraba Management Fees to Opera
ting Profit \par\pard\ql \li4848\sb203\sl-253\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf25\f26\fs22 *100 \par\pard\qj \li1728\sb0\sl-380\slmult0 \
par\pard\qj\li1728\ri1234\sb3\sl-380\slmult0 \up0 \expndtw-1\charscalex100 This
shows cost of management as a percentage of operating profit. The percentage of
total fund used \line \up0 \expndtw-2\charscalex100 to cover expenses associated
to Modaraba management fees. It is useful for Modaraba Companies. \par\pard\ql
\li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb90\sl-276\slmult0 \up0 \expndtw
0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Management Expenses Ratio \par\par
d\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1269\sb219\sl-380\slmult0
\up0 \expndtw0\charscalex103 \ul0\nosupersub\cf25\f26\fs22 For mutual funds mana
gement expenses ratio is calculated by dividing remuneration to adviser by \up0
\expndtw-3\charscalex100 total expenses. \par\pard\ql \li1728\sb0\sl-276\slmult0
\par\pard\ql\li1728\sb30\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosup
ersub\cf29\f30\fs24 Net Investment in Finance Lease to Total Assets \par\pard\qj
\li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1264\sb179\sl-380\slmult0 \up0
\expndtw0\charscalex103 \ul0\nosupersub\cf25\f26\fs22 This ratio expresses the
relationship of net investment in finance lease to total assets. This ratio is \
up0 \expndtw-3\charscalex100 useful for leasing companies. \par\pard\ql \li1728\
sb0\sl-276\slmult0 \par\pard\ql\li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb
34\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Ear
ning per Certificate \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728
\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1233\sb39\sl-380\slmult0 \up0 \expndtw
0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The ratio between profits after ta
x to number of certificates is an important efficiency ratio because it \up0 \ex
pndtw-2\charscalex100 reflects how much amount is earned on each certificate. It
is useful for Modaraba Companies. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\
pard\ql\li1728\sb30\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\
cf29\f30\fs24 Claims incurred to Net Premium Ratio \par\pard\ql \li4673\sb223\sl
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ar\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \pa
r\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\
pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb68\sl-276\slmult0 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 18
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g26}{\bkmkend Pg26}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\qj \li1728\ri1264\sb372\sl-380\slmult0 \up0
\expndtw0\charscalex104 \ul0\nosupersub\cf25\f26\fs22 This expresses the efficie
ncy of insurance company and is calculated as the claim incurred on net \up0 \ex
pndtw0\charscalex102 premium. Higher ratio indicates that the incurrence of clai
ms is more than premium. It is useful for \up0 \expndtw-3\charscalex100 insuranc
e companies. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb210\s
l-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Underwr

iting profit to Net profit \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\

li1728\ri1258\sb279\sl-380\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf25\f26\fs22 The ratio shows the percentage of underwriting profit as of net pr
ofit. Underwriting profit is net of \up0 \expndtw0\charscalex104 underwriting in
come and expenses of the cost of obtaining new policies. This ratio is useful fo
r \up0 \expndtw-3\charscalex100 insurance companies. \par\pard\ql \li1728\sb0\sl
-276\slmult0 \par\pard\ql\li1728\sb110\sl-276\slmult0 \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf29\f30\fs24 Investment Income to Net Premium \par\pard\qj
\li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1243\sb279\sl-380\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The ratio shows the relat
ionship between investment income and net premium. This is one of the ratios \up
0 \expndtw-3\charscalex100 used to measure efficiency of an insurance company. \
par\pard\ql \li1728\sb308\sl-322\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf16\f17\fs28 Liquidity Ratios \par\pard\ql \li1728\sb216\sl-276\slmult0
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Cash and Balances wi
th Banks to Total Assets \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql\li
1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb0\sl-253\slmult0 \par\pard\ql\li17
28\sb144\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\f
s22 This ratio expresses the percentage of total assets available in the form of
highly liquid assets. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li17
28\sb52\sl-276\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs2
4 Total Deposit and other Accounts to Total assets \par\pard\ql \li1728\sb0\sl-2
53\slmult0 \par\pard\ql\li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb237\sl-2
53\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The ratio
shows what percentage of total assets comprises total deposits and other accoun
ts. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb52\sl-276\slmu
lt0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Investment and T
otal Assets \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\sb0\sl-3
80\slmult0 \par\pard\qj\li1728\ri1259\sb39\sl-380\slmult0 \up0 \expndtw0\charsca
lex100 \ul0\nosupersub\cf25\f26\fs22 The ratio between Investment and total asse
ts shows investment activity with reference to its total \up0 \expndtw-3\charsca
lex100 assets. It indicates the portion of total assets used for investment in v
arious venues. This ratio is useful \up0 \expndtw-4\charscalex100 for banks, DFI
s and insurance companies. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\
li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li
6145\sb178\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18
\fs24 19
{\shp {\*\shpinst\shpleft9988\shptop719\shpright10031\shpbottom791\shpfhdr0\shpb
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}}
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{\shp {\*\shpinst\shpleft3394\shptop6056\shpright4916\shpbottom6076\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft3394\shptop11967\shpright4745\shpbottom11987\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g27}{\bkmkend Pg27}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\l
i1728\sb201\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30
\fs24 Advances and Total Assets \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\par
d\qj\li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1270\sb39\sl-380\slmult0 \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 This ratio expresses t
he relationship of advances (net) to total assets. This ratio is useful for bank
s and \line \up0 \expndtw-3\charscalex100 DFIs. \par\pard\ql \li1728\sb0\sl-276\
slmult0 \par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw0\charscalex102 \ul
0\nosupersub\cf29\f30\fs24 Total Liabilities to Total Assets \par\pard\qj \li172
8\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1259\sb159\sl-380\slmult0 \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The ratio shows the proportion o
f banks assets, which are financed through debt. This ratio is useful \up0 \expn
dtw-3\charscalex100 for banks and DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0
\par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupe
rsub\cf29\f30\fs24 Gross Advances to Deposits \par\pard\ql \li4642\sb203\sl-253\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 *100 \par\pa
rd\qj \li1728\ri1235\sb363\sl-380\slmult0 \up0 \expndtw0\charscalex105 The ratio
expresses the percentage of gross advances to deposits and expresses the utiliz
ation of \line \up0 \expndtw-2\charscalex100 deposits in the core business of a

bank, i.e., intermediation. This ratio is useful for banks and DFIs. \par\pard\q
l \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expnd
tw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Gross advances to Borrowing and
Deposits \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\sb0\sl-380\
slmult0 \par\pard\qj\li1728\ri1251\sb59\sl-380\slmult0 \up0 \expndtw0\charscalex
103 \ul0\nosupersub\cf25\f26\fs22 The ratio expresses the percentage of gross ad
vances to deposits and borrowings. This ratio shows \up0 \expndtw-1\charscalex10
0 activity of a banking business as it reflects that advances are being made mor
e/less than deposits. This \up0 \expndtw-2\charscalex100 ratio is useful for ban
ks and DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl
-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Current
Ratio \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\sb0\sl-380\slm
ult0 \par\pard\qj\li1728\ri1260\sb139\sl-380\slmult0 \up0 \expndtw0\charscalex10
6 \ul0\nosupersub\cf25\f26\fs22 This ratio shows how many times current assets c
over current liabilities and the strength of the \up0 \expndtw0\charscalex102 co
mpany to pay immediate liabilities. This ratio is used for whole financial secto
r except for banks \up0 \expndtw-3\charscalex100 and DFIs. \par\pard\ql \li1728\
sb106\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24
Long Term Investment to Total Assets \par\pard\qj \li1728\sb0\sl-360\slmult0 \pa
r\pard\qj\li1728\ri1240\sb295\sl-360\slmult0 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf25\f26\fs22 The ratio between long-term investments to total assets
shows investment activity with reference to its \up0 \expndtw-2\charscalex100 t
otal assets. It indicates the portion of total assets used to invest in differen
t venues. \par\pard\ql \li6145\sb230\sl-276\slmult0 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf17\f18\fs24 20
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}}
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g28}{\bkmkend Pg28}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-322\slmult0 \par\pard\ql\l
i1728\sb0\sl-322\slmult0 \par\pard\ql\li1728\sb35\sl-322\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf16\f17\fs28 Assets Quality Ratios \par\pard\ql
\li1728\sb216\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\
f30\fs24 Non-Performing Loans (NPLs) to Gross Advances \par\pard\qj \li1728\sb0\
sl-380\slmult0 \par\pard\qj\li1728\ri1266\sb239\sl-380\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf25\f26\fs22 This ratio expresses the quality of l
oan portfolio of a bank. It shows the percentage of NPLs as gross \up0 \expndtw2\charscalex100 advances made by a bank and evaluates assets quality based on lo
an portfolio. This ratio is useful for \up0 \expndtw-3\charscalex100 banks and D
FIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb30\sl-276\slm
ult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Provision again
st NPLs and Gross Advances \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\
li1728\ri1256\sb259\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf25\f26\fs22 The ratio between provisions against classified loans/advances to
gross advances reflects the quality of \up0 \expndtw-3\charscalex100 advances o
f banks and DFIs. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb
90\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 NP
Ls to Equity Ratio \par\pard\ql \li4863\sb0\sl-184\slmult0 \par\pard\ql\li4863\s

b0\sl-184\slmult0 \par\pard\ql\li4863\sb12\sl-184\slmult0 \up0 \expndtw-2\charsc

alex100 \ul0\nosupersub\cf9\f10\fs16 \u8223? \par\pard\ql \li1728\sb198\sl-230\s
lmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf26\f27\fs20 Where, \par\p
ard\qj \li1728\ri1845\sb20\sl-340\slmult0\fi50 \up0 \expndtw-3\charscalex100 Tot
al Shareholders\u8223? Equity (Pakistani Banks) = Share Capital + Reserves + Unappropriated Profit (Loss) \up0 \expndtw-3\charscalex100 Total Shareholders\u822
3? Equity (Foreign Banks) =H.O Capital Account + Reserves +Unremitted Profit \pa
r\pard\qj \li1728\ri1252\sb207\sl-380\slmult0 \up0 \expndtw-4\charscalex100 \ul0
\nosupersub\cf25\f26\fs22 The ratio between NPLs to shareholders\u8223? equity i
ndicates the exposure of the common shareholders to \up0 \expndtw-5\charscalex10
0 NPLs. This ratio is useful for banks and DFIs. \par\pard\ql \li1728\sb0\sl-276
\slmult0 \par\pard\ql\li1728\sb30\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf29\f30\fs24 NPLs write-off to NPLs Provision Ratio \par\pard\ql
\li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb0\sl-253\slmult0 \par\pard\ql\
li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb0\sl-253\slmult0 \par\pard\ql\li
1728\sb11\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\
fs22 This ratio is calculated for banks and DFIs. \par\pard\ql \li1728\sb0\sl-27
6\slmult0 \par\pard\ql\li1728\sb72\sl-276\slmult0 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf29\f30\fs24 NPLs Provision to NPLs Ratio \par\pard\qj \li1728\
sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1265\sb239\sl-380\slmult0 \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The ratio reflects what percentag
e of provision has been made against NPLs. This ratio is useful for \up0 \expndt
w-3\charscalex100 Banks and DFIs. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\p
ard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\par
d\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb82\sl-276\slmult0 \up0 \exp
ndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 21
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{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
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{\shp {\*\shpinst\shpleft3394\shptop2820\shpright4606\shpbottom2840\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft3394\shptop5172\shpright5232\shpbottom5192\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
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4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-322\slmult0 \par\pard\ql\l
i1728\sb157\sl-322\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf16\f17
\fs28 Capital/Leverage Ratios \par\pard\ql \li1728\sb276\sl-276\slmult0 \up0 \ex
pndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Capital Ratio \par\pard\ql \l
i4863\sb140\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10
\fs16 \u8223? \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb146\
sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Where
, \par\pard\qj \li1728\ri1262\sb23\sl-380\slmult0 \up0 \expndtw0\charscalex100 T
otal Shareholders\u8223? Equity \ul0\nosupersub\cf26\f27\fs20 (Pakistani Banks)
\ul0\nosupersub\cf25\f26\fs22 = Share Capital + Reserves + Un-appropriated Prof
it \up0 \expndtw-3\charscalex100 (Loss) \par\pard\ql \li1728\sb105\sl-253\slmult
0 \up0 \expndtw-2\charscalex100 Total Shareholders\u8223? Equity (Foreign Banks)
=H.O Capital Account + Reserves +Unremitted Profit. \par\pard\qj \li1728\ri1271
\sb23\sl-380\slmult0 \up0 \expndtw0\charscalex100 The ratio between shareholders
\u8223? equity and total assets expresses the percentage of equity in total \up0
\expndtw-3\charscalex100 assets. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\p
ard\ql\li1728\sb110\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf29\f30\fs24 Contingent Liabilities and Commitment to Shareholders\u8217? Equi
ty \par\pard\ql \li6589\sb203\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf25\f26\fs22 *100 \par\pard\ql \li5211\sb0\sl-144\slmult0 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs16 \u8223? \par\pard\qj \li1728\ri
1252\sb60\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\
fs22 The ratio between contingent liabilities and commitments to shareholders\u8
223? equity expresses exposure \up0 \expndtw-3\charscalex100 of contingent liabi
lities and commitments by banks. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pa
rd\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f29\f30\fs24 Break-Up Value per Share \par\pard\ql \li4863\sb120\sl-184\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs16 \u8223? \par\pard\qj
\li1728\ri1262\sb335\sl-380\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf25\f26\fs22 Break-up Value is net worth per share and is an important criter

ion to measure financial soundness of \up0 \expndtw-4\charscalex100 a company. T

he break-up value is calculated for whole financial sector except in case of for
eign banks \up0 \expndtw-4\charscalex100 and Modaraba Companies. \par\pard\ql \l
i1728\sb106\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f3
0\fs24 Deposits to Equity Ratio \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\par
d\ql\li1728\sb0\sl-253\slmult0 \par\pard\ql\li1728\sb0\sl-253\slmult0 \par\pard\
ql\li1728\sb4\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\
f26\fs22 The ratio shows the relationship between total deposits in a bank to th
e total shareholders\u8223? equity. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par
\pard\ql\li1728\sb72\sl-276\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf29\f30\fs24 Break-up Value per Certificate \par\pard\qj \li1728\sb0\sl-380\s
lmult0 \par\pard\qj\li1728\ri1247\sb239\sl-380\slmult0 \up0 \expndtw-3\charscale
x100 \ul0\nosupersub\cf25\f26\fs22 Break-up value is net worth per certificate a
nd is one of the important criteria to measure the financial \up0 \expndtw-3\cha
rscalex100 soundness of a company. This ratio is calculated for Modaraba Compani
es only. \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl-276
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf29\f30\fs24 Capital Rat
io (Modaraba Company) \par\pard\ql \li5633\sb0\sl-184\slmult0 \par\pard\ql\li563
3\sb16\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs16
\u8223? \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb204\sl-27
6\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 22
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{\shp {\*\shpinst\shpleft3394\shptop14104\shpright6262\shpbottom14124\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
g30}{\bkmkend Pg30}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-18
4\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0
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Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf8\f9\fs16 2011\par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\l
i1728\ri1271\sb192\sl-380\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f25\f26\fs22 The ratio expresses the percentage of equity in total assets. It is
calculated for Modaraba Companies \line \up0 \expndtw-3\charscalex100 only. \pa
r\pard\ql \li1728\sb108\sl-322\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosuper
sub\cf16\f17\fs28 Cash Flow Ratios \par\pard\ql \li1728\sb276\sl-276\slmult0 \up
0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 Cash Flow to Profit afte
r Tax \par\pard\ql \li3168\sb223\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf28\f29\fs22 = \par\pard\qj \li1728\ri1261\sb283\sl-380\slmult0 \
up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 The ratio expresses pr
oportions of cash being spun off from ongoing operations. This ratio is useful \
up0 \expndtw-3\charscalex100 for the whole financial sector. \par\pard\ql \li172
8\sb0\sl-276\slmult0 \par\pard\ql\li1728\sb50\sl-276\slmult0 \up0 \expndtw0\char
scalex102 \ul0\nosupersub\cf29\f30\fs24 Cash flow to Current Liabilities Ratio \
par\pard\qj \li1728\sb0\sl-370\slmult0 \par\pard\qj\li1728\ri1267\sb337\sl-370\s
lmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf25\f26\fs22 The ratio refl
ects cash generation strength of a company to meet current liabilities. This rat
io is \line \up0 \expndtw0\charscalex104 calculated for all sectors except inves
tment banks, insurance companies, banks, DFIs and mutual \line \up0 \expndtw-3\c
harscalex100 funds. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\
sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb
0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\
sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl

-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-2

76\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276
\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\s
lmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slm
ult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmul
t0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0
\par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \
par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \pa
r\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\
pard\ql\li6145\sb152\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersu
b\cf17\f18\fs24 23
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{\shp {\*\shpinst\shpleft10031\shptop1154\shpright11205\shpbottom1197\shpfhdr0\s
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}}\par\pard\sect\sectd\fs24\paperw12240\paperh15840\pard\sb0\sl-240{\bkmkstart P
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4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li43
85\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385
\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\s
b0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0
\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\s
l-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl368\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-36
8\slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\
slmult0 \par\pard\ql\li4385\sb0\sl-368\slmult0 \par\pard\ql\li4385\sb0\sl-368\sl
mult0 \par\pard\ql\li4385\sb21\sl-368\slmult0 \up0 \expndtw0\charscalex97 \ul0\n
osupersub\cf22\f23\fs32 Review and Financial Analysis
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r160\colno2\colw3865\colsr160\colno3\colw1975\colsr160\ql \li1728\sb0\sl-276\slm
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ult0 \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb0\sl-276\slm
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lmult0 \par\pard\ql \li6434\sb0\sl-253\slmult0 \par\pard\ql \li6434\sb0\sl-253\s
lmult0 \par\pard\ql \li6434\sb0\sl-253\slmult0 \par\pard\ql \li6434\sb0\sl-253\s
lmult0 \par\pard\ql \li6434\sb0\sl-253\slmult0 \par\pard\ql \li6434\sb0\sl-253\s
lmult0 \par\pard\ql \li344\sb136\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \u
l0\nosupersub\cf28\f29\fs22 Major Components of Assets\par\pard\ql \li6110\sb0\s
l-184\slmult0 \par\pard\ql \li20\sb50\sl-184\slmult0 \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf9\f10\fs16 4,500\par\pard\column \ql \li10125\sb0\sl-184\sl
mult0 \par\pard\ql \li10125\sb0\sl-184\slmult0 \par\pard\ql \li20\sb175\sl-184\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\q
l \li10281\sb0\sl-184\slmult0 \par\pard\ql \li10281\sb0\sl-184\slmult0 \par\pard
\ql \li10281\sb0\sl-184\slmult0 \par\pard\ql \li10281\sb0\sl-184\slmult0 \par\pa
rd\ql \li10281\sb0\sl-184\slmult0 \par\pard\ql \li10281\sb0\sl-184\slmult0 \par\
pard\ql \li10281\sb0\sl-184\slmult0 \par\pard\ql \li10281\sb0\sl-184\slmult0 \pa
r\pard\ql \li10281\sb0\sl-184\slmult0 \par\pard\ql \li10281\sb0\sl-184\slmult0 \
par\pard\ql \li10281\sb0\sl-184\slmult0 \par\pard\ql \li10281\sb0\sl-184\slmult0
\par\pard\ql \li10281\sb0\sl-184\slmult0 \par\pard\ql \li177\sb2\sl-184\slmult0
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ctd\sbknone\cols3\colno1\colw5701\colsr160\colno2\colw2591\colsr40\colno3\colw36
18\colsr160\ql \li1728\sb77\sl-253\slmult0 \up0 \expndtw0\charscalex104 \ul0\nos
upersub\cf25\f26\fs22 CY10 to Rs \up0 \expndtw0\charscalex103 8.3 trillion in CY
11,\par\pard\ql \li1728\sb126\sl-253\slmult0 \up0 \expndtw0\charscalex107 regist
ering an increase of \up0 \expndtw-3\charscalex100 15.4\par\pard\ql \li1728\s
b126\sl-253\slmult0 \up0 \expndtw0\charscalex102 percent. Investment grew by
\up0 \expndtw-3\charscalex100 42\par\pard\qj \li1728\ri708\sb25\sl-379\slmult0 \
up0 \expndtw0\charscalex107 percent while gross advances \up0 \expndtw-2\c
harscalex100 increased by \up0 \expndtw-1\charscalex100 1 percent in CY11.\p
ar\pard\qj \li1728\ri706\sb0\sl-379\slmult0 \up0 \expndtw0\charscalex104 Lending
to financial institutions \line \up0 \expndtw0\charscalex105 decreased by Rs
6.7 billion or 3.1 \line \up0 \expndtw0\charscalex101 percent in CY11 over
CY10. In \line \up0 \expndtw-1\charscalex100 case of Pakistani banks, the amoun
t \line \up0 \expndtw0\charscalex100 of lending increased by 6.4 percent \line \
up0 \expndtw0\charscalex111 in CY11, however in case of\par\pard\column \ql

\li269\sb33\sl-184\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f1

0\fs16 4,000\par\pard\ql \li269\sb33\sl-184\slmult0 \up0 \expndtw-1\charscalex10
0 3,500\par\pard\ql \li269\sb34\sl-184\slmult0 \up0 \expndtw-1\charscalex100 3,0
00\par\pard\ql \li269\sb33\sl-184\slmult0 \up0 \expndtw-1\charscalex100 2,500\pa
r\pard\ql \li269\sb33\sl-184\slmult0\tx1429 \up0 \expndtw-1\charscalex100 2,000\
tab \up0 \expndtw-1\charscalex100 15%\par\pard\ql \li269\sb33\sl-184\slmult0 \up
0 \expndtw-1\charscalex100 1,500\par\pard\ql \li269\sb33\sl-184\slmult0 \up0 \ex
pndtw-1\charscalex100 1,000\par\pard\ql \li391\sb34\sl-184\slmult0\tx2299 \up0 \
expndtw-1\charscalex100 500\tab \up0 \expndtw-2\charscalex100 -3%\par\pard\ql \l
i553\sb33\sl-184\slmult0 \up0 \expndtw-2\charscalex100 0\par\pard\ql \li996\sb1\
sl-184\slmult0 \up0 \expndtw-3\charscalex100 Cash &\par\pard\ql \li883\sb1\sl-18
4\slmult0 \up0 \expndtw0\charscalex103 Cash Equl.
Lending\par\pard\ql \li20\s
b88\sl-184\slmult0\tx1117\tx1985 \up0 \expndtw-2\charscalex100 CY 10\tab \up0 \e
xpndtw-1\charscalex100 776\tab \up0 \expndtw-1\charscalex100 215\par\pard\ql \li
20\sb74\sl-184\slmult0\tx1117\tx1985 \up0 \expndtw-2\charscalex100 CY 11\tab \up
0 \expndtw-1\charscalex100 896\tab \up0 \expndtw-1\charscalex100 208\par\pard\ql
\li22\sb74\sl-184\slmult0\tx1090\tx1973 \up0 \expndtw-3\charscalex100 Growth(%)
\tab \up0 \expndtw-1\charscalex100 15%\tab \up0 \expndtw-2\charscalex100 -3%\par
\pard\column \ql \li540\sb0\sl-144\slmult0\tx1824 \up0 \expndtw-1\charscalex100
42%\tab \up0 \expndtw-1\charscalex100 40%\par\pard\ql \li1820\sb34\sl-177\slmult
0 \up0 \expndtw-1\charscalex100 35%\par\pard\ql \li1820\sb2\sl-177\slmult0 \up0
\expndtw-1\charscalex100 30%\par\pard\ql \li1820\sb2\sl-177\slmult0 \up0 \expndt
w-1\charscalex100 25%\par\pard\ql \li1820\sb1\sl-178\slmult0 \up0 \expndtw-1\cha
rscalex100 20%\par\pard\ql \li1820\sb0\sl-177\slmult0 \up0 \expndtw-1\charscalex
100 15%\par\pard\ql \li1820\sb2\sl-177\slmult0 \up0 \expndtw-1\charscalex100 10%
\par\pard\ql \li1820\sb2\sl-177\slmult0 \up0 \expndtw-1\charscalex100 5%\par\par
d\ql \li1409\sb0\sl-144\slmult0\tx1825 \up0 \expndtw-1\charscalex100 1%\tab \up0
\expndtw-1\charscalex100 0%\par\pard\ql \li1821\sb35\sl-177\slmult0 \up0 \expnd
tw-2\charscalex100 -5%\par\pard\ql \li1820\sb2\sl-177\slmult0 \up0 \expndtw-2\ch
arscalex100 -10%\par\pard\ql \li20\sb3\sl-184\slmult0\tx908 \up0 \expndtw-3\char
scalex100 Investmen\tab \up0 \expndtw-2\charscalex100 Advances\par\pard\ql \li32
7\sb35\sl-144\slmult0 \up0 \expndtw-2\charscalex100 t\par\pard\ql \li168\sb111\s
l-184\slmult0\tx1041 \up0 \expndtw-1\charscalex100 2,171\tab \up0 \expndtw-1\cha
rscalex100 3,780\par\pard\ql \li168\sb74\sl-184\slmult0\tx1041 \up0 \expndtw-1\c
harscalex100 3,081\tab \up0 \expndtw-1\charscalex100 3,817\par\pard\ql \li202\sb
74\sl-184\slmult0\tx1116 \up0 \expndtw-1\charscalex100 42%\tab \up0 \expndtw-1\c
harscalex100 1%\par\pard\sect\sectd\sbknone\cols2\colno1\colw5956\colsr160\colno
2\colw5984\colsr160\ql \li1728\sb138\sl-253\slmult0 \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf25\f26\fs22 foreign banks, it declined by 49.7%\par\pard\ql
\li1728\sb129\sl-253\slmult0 \up0 \expndtw-3\charscalex100 in CY11.\par\pard\qj
\li1728\ri959\sb22\sl-379\slmult0\tx4269 \up0 \expndtw-1\charscalex100 Banks adv
ances increased to Rs 3.8 \line \up0 \expndtw0\charscalex105 trillion in CY1
1, showing an \line \up0 \expndtw0\charscalex105 increase of 1 percent over
CY10. \line \up0 \expndtw0\charscalex101 Non-performing
loans \tab \up0 \exp
ndtw-3\charscalex100 (NPLs)\par\pard\ql \li1728\sb105\sl-253\slmult0 \up0 \expnd
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9\sb31\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf28\f29\fs2
2 Analysis of Advances\par\pard\ql \li20\sb70\sl-184\slmult0\tx4170 \up0 \expndt
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arscalex100 4,000\tab \up0 \expndtw-1\charscalex100 7%\tab \up0 \expndtw-1\chars
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lt0 \up0 \expndtw-1\charscalex100 2,000\par\pard\ql \li20\sb36\sl-184\slmult0\tx
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r\pard\ql \li20\sb29\sl-184\slmult0\tx2039\tx4170 \up0 \expndtw-1\charscalex100
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00 500\tab \up0 \expndtw-1\charscalex100 1%\tab \up0 \expndtw-1\charscalex100 1%
\par\pard\ql \li302\sb28\sl-184\slmult0\tx3763\tx4170 \up0 \expndtw-2\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0%\tab \up0 \expndtw-1\charscalex100 0%\
par\pard\ql \li825\sb1\sl-158\slmult0 \up0 \expndtw-3\charscalex100 Adv. \par\pa
rd\sect\sectd\sbknone \li1728\sb0\sl-144\slmult0\fi5166\tx7792\tx8496\tx9373 \dn
3 \expndtw0\charscalex102 Gross\tab \up0 \expndtw0\charscalex102 NPL\tab \up0 \e
xpndtw0\charscalex102 Provision\tab \up0 \expndtw0\charscalex102 Adv. Net\par\pa
rd\sect\sectd\sbknone \li1728\sb16\sl-233\slmult0\fi0\tx3513\tx5865\tx6895\tx781
7\tx8680\tx9482 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf25\f26\fs22 compa
red to Rs\tab \up0 \expndtw0\charscalex102 562 billion in\tab \dn2 \expndtw0
\charscalex102 \ul0\nosupersub\cf9\f10\fs16 CY 10\tab \dn3 \expndtw0\charscalex1
02 3,780\tab \dn3 \expndtw0\charscalex102 562\tab \dn3 \expndtw0\charscalex102 3
73\tab \dn3 \expndtw0\charscalex102 3,407\par\pard\sect\sectd\sbknone \li1728\sb
130\sl-253\slmult0\fi0\tx5865\tx6895\tx7817\tx8680\tx9482 \dn4 \expndtw0\charsca
lex102 \ul0\nosupersub\cf25\f26\fs22 CY10. NPLs to advances ratio\tab \up0 \
expndtw0\charscalex102 \ul0\nosupersub\cf9\f10\fs16 CY 11\tab \up0 \expndtw0\cha
rscalex102 3,817\tab \up0 \expndtw0\charscalex102 573\tab \up0 \expndtw0\charsca
lex102 399\tab \up0 \expndtw0\charscalex102 3,417\par\pard\li5867\sb9\sl-184\slm
ult0\fi0\tx6970\tx7832\tx8694\tx9556 \up0 \expndtw-2\charscalex100 Growth(%)\tab
\dn2 \expndtw-2\charscalex100 1%\tab \dn2 \expndtw-2\charscalex100 2%\tab \dn2
\expndtw-2\charscalex100 7%\tab \dn2 \expndtw-2\charscalex100 0%\par\pard\ql \li
1728\sb0\sl-198\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf25\f26\fs
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lt0 \up0 \expndtw-2\charscalex100 as compared to 9.8 percent in CY10. NPLs to to
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0cc3483819511a2e7a018aaf2fc1efda22591e4365f06919a68a68c278ebc76b146f1c5244e5e13f
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2f017c1df05f867c51a6c7731e9dae58e9f23dfd80bc85edae5ece5ba9ee05b4d35b492dbb4f0aa4
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40051451400514514005145140051451400514514005145140051451400514514005145140051451
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}}}}}\pard\sb0\sl-240{\bkmkstart Pg34}{\bkmkend Pg34}\par\pard\sect\sectd\sbknon
e\cols2\colno1\colw6589\colsr40\colno2\colw5471\colsr160\ql \li1728\sb0\sl-276\s
lmult0 \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb0\sl-276\s
lmult0 \par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb114\sl-276
\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 P\ul0\nosupe
rsub\cf42\f43\fs19 ROFITABILITY AND \ul0\nosupersub\cf29\f30\fs24 O\ul0\nosupers
ub\cf42\f43\fs19 PERATING \ul0\nosupersub\cf29\f30\fs24 E\ul0\nosupersub\cf42\f4
3\fs19 FFICIENCY\par\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li1728\sb5
4\sl-253\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf25\f26\fs22 In t
erms of profitability of banking\par\pard\ql \li1728\sb126\sl-253\slmult0 \up0 \
expndtw-1\charscalex100 sector, CY11 witnessed an increase\par\pard\ql \li6107\s
b37\sl-230\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf49\f50\fs20 4
00.0\par\pard\column \ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \li6629\sb0\sl184\slmult0 \par\pard\ql \li20\sb175\sl-184\slmult0\tx3521 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Financial S
ector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\par
d\ql \li7240\sb0\sl-230\slmult0 \par\pard\ql \li7240\sb0\sl-230\slmult0 \par\par
d\ql \li7240\sb0\sl-230\slmult0 \par\pard\ql \li7240\sb0\sl-230\slmult0 \par\par
d\ql \li631\sb168\sl-230\slmult0\tx1785 \up0 \expndtw-3\charscalex100 \ul0\nosup
ersub\cf49\f50\fs20 CY 11\tab \up0 \expndtw-3\charscalex100 CY 10 \par\pard\sect
\sectd\sbknone \li1728\sb0\sl-198\slmult0\fi0\tx2807 \up0 \expndtw0\charscalex10
1 \ul0\nosupersub\cf25\f26\fs22 of around\tab \up0 \expndtw0\charscalex101 49.1
percent in profit\par\pard\sect\sectd\sbknone\cols3\colno1\colw5349\colsr160
\colno2\colw2526\colsr160\colno3\colw3915\colsr160\ql \li1728\sb42\sl-253\slmult
0 \up0 \expndtw-2\charscalex100 before tax to Rs169.7 billion during\par\pard\qj
\li1728\ri354\sb24\sl-379\slmult0 \up0 \expndtw-1\charscalex100 CY11 compared t
o Rs 113.8 billion \up0 \expndtw0\charscalex102 in CY10. Profit after tax increa
sed \up0 \expndtw0\charscalex100 from Rs 71.2 billion in CY10 to Rs \up0 \expndt
w0\charscalex101 112.7 billion in CY11, showing an \up0 \expndtw-3\charscalex100
increase of 58.3 percent.\par\pard\qj \li1728\ri353\sb0\sl-379\slmult0 \up0 \ex
pndtw-2\charscalex100 Looking at the efficiency, the return \up0 \expndtw0\chars
calex103 on assets \up0 \expndtw0\charscalex104 (ROA) and return on\par\pard
\qj \li1728\ri352\sb0\sl-379\slmult0 \up0 \expndtw-2\charscalex100 equity (ROE)
both increased during \line \up0 \expndtw0\charscalex100 CY11. ROE increased
from 11.7\par\pard\column \ql \li619\sb132\sl-230\slmult0\tx1804 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf49\f50\fs20 200.0\tab \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf50\f51\fs16 169.7\par\pard\ql \li1799\sb125\sl-184\slmul
t0 \up0 \expndtw-2\charscalex100 113.8\par\pard\ql \li821\sb21\sl-230\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf49\f50\fs20 0.0\par\pard\ql \li137
2\sb78\sl-230\slmult0 \up0 \expndtw-3\charscalex100 Profit Before\par\pard\ql \l
i1540\sb15\sl-230\slmult0 \up0 \expndtw-2\charscalex100 Taxation\par\pard\ql \li
5509\sb0\sl-184\slmult0 \par\pard\ql \li5509\sb0\sl-184\slmult0 \par\pard\ql \li
5509\sb0\sl-184\slmult0 \par\pard\ql \li5509\sb0\sl-184\slmult0 \par\pard\ql \li
5509\sb0\sl-184\slmult0 \par\pard\ql \li5509\sb0\sl-184\slmult0 \par\pard\ql \li
1484\sb25\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\f
s16 CY 10\par\pard\ql \li5509\sb0\sl-184\slmult0 \par\pard\ql \li1328\sb146\sl-1
84\slmult0 \up0 \expndtw-1\charscalex100 53.2%\par\pard\ql \li20\sb171\sl-184\sl
mult0\tx995 \up0 \expndtw-1\charscalex100 60.0%\tab \up0 \expndtw-1\charscalex10
0 45.6%\par\pard\column \ql \li8547\sb0\sl-184\slmult0 \par\pard\ql \li382\sb105
\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf50\f51\fs16 112.
7\par\pard\ql \li423\sb74\sl-184\slmult0 \up0 \expndtw-2\charscalex100 71.2\par\

pard\qj \li8185\sb0\sl-244\slmult0 \par\pard\qj \li20\ri2951\sb14\sl-244\slmult0

\tx133 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf49\f50\fs20 Profit After
\line\tab \up0 \expndtw-2\charscalex100 Taxation\par\pard\ql \li1728\sb0\sl-184\
slmult0 \par\pard\ql \li1728\sb0\sl-184\slmult0 \par\pard\ql \li1728\sb0\sl-184\
slmult0 \par\pard\ql \li1728\sb0\sl-184\slmult0 \par\pard\ql \li1728\sb0\sl-184\
slmult0 \par\pard\ql \li1728\sb0\sl-184\slmult0 \par\pard\ql \li147\sb23\sl-184\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf9\f10\fs16 CY 11\par\par
d\sect\sectd\sbknone\cols3\colno1\colw5349\colsr160\colno2\colw1756\colsr160\col
no3\colw4685\colsr160\ql \li1728\sb140\sl-253\slmult0 \up0 \expndtw0\charscalex1
02 \ul0\nosupersub\cf25\f26\fs22 percent in CY10 to 14.5 percent in\par\pard\qj
\li1728\ri350\sb22\sl-379\slmult0 \up0 \expndtw0\charscalex105 CY11 while ROA in
creased from \line \up0 \expndtw0\charscalex102 1.0 percent in CY10 to 1.4 perce
nt \line \up0 \expndtw0\charscalex106 in CY11. Spread ratio of banking \line \up
0 \expndtw0\charscalex103 sector increased to 53.2 percent in \line \up0 \expndt
w-3\charscalex100 CY11 from 45.6 percent in CY10.\par\pard\column \ql \li5509\sb
0\sl-184\slmult0 \par\pard\ql \li20\sb55\sl-184\slmult0 \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf9\f10\fs16 40.0%\par\pard\ql \li5509\sb0\sl-184\slmult0
\par\pard\ql \li20\sb97\sl-184\slmult0 \up0 \expndtw-1\charscalex100 20.0%\par\p
ard\ql \li5589\sb0\sl-184\slmult0 \par\pard\ql \li100\sb97\sl-184\slmult0 \up0 \
expndtw-1\charscalex100 0.0%\par\pard\ql \li681\sb76\sl-184\slmult0 \up0 \expndt
w-2\charscalex100 Spread Ratio\par\pard\column \ql \li7467\sb0\sl-184\slmult0 \p
ar\pard\ql \li409\sb134\sl-184\slmult0 \up0 \expndtw-1\charscalex100 14.5%\par\p
ard\ql \li72\sb137\sl-184\slmult0\tx1442 \up0 \expndtw-1\charscalex100 11.7%\tab
\up0 \expndtw-1\charscalex100 1.4%\par\pard\ql \li2354\sb1\sl-123\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf32\f33\fs12 CY 11\par\pard\ql \li1100
\sb0\sl-144\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf9\f10\fs16 1
.0%\par\pard\ql \li2017\sb1\sl-110\slmult0 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf32\f33\fs12 CY 10\par\pard\ql \li7415\sb0\sl-184\slmult0 \par\pard\ql
\li20\sb45\sl-184\slmult0\tx1005 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf9\f10\fs16 ROE\tab \up0 \expndtw-2\charscalex100 ROA\par\pard\sect\sectd\sbkno
ne\cols2\colno1\colw7851\colsr60\colno2\colw4189\colsr160\ql \li1728\sb138\sl-25
3\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 On the inco
me side, interest/mark-up income during CY11 was Rs\par\pard\ql \li1728\sb126\sl
-253\slmult0 \up0 \expndtw-3\charscalex100 630.6 billion in CY10 witnessing an\p
ar\pard\ql \li6292\sb0\sl-180\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf49\f50\fs20 Interest Income\par\pard\ql \li1728\sb0\sl-198\slmult0 \up0 \e
xpndtw0\charscalex105 \ul0\nosupersub\cf25\f26\fs22 increase of Rs \up0 \expnd
tw0\charscalex105 19 billion or \up0 \expndtw-3\charscalex100 3\par\pard\ql \l
i1728\sb132\sl-253\slmult0\tx2747\tx3515 \up0 \expndtw-3\charscalex100 percent\t
ab \up0 \expndtw-3\charscalex100 over\tab \up0 \expndtw0\charscalex109 CY10.
Non-\par\pard\column \ql \li20\sb138\sl-253\slmult0 \up0 \expndtw0\charscalex100
649.8 billion as compared to Rs\par\pard\ql \li8009\sb0\sl-230\slmult0 \par\par
d\ql \li118\sb107\sl-230\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f49\f50\fs20 Non-Interest Income\par\pard\sect\sectd\sbknone\cols2\colno1\colw52
25\colsr160\colno2\colw6715\colsr160\ql \li1728\sb130\sl-253\slmult0 \up0 \expnd
tw0\charscalex101 \ul0\nosupersub\cf25\f26\fs22 interest/non-markup income al
so\par\pard\ql \li1728\sb126\sl-253\slmult0\tx3722 \up0 \expndtw-1\charscalex100
increased from Rs\tab \up0 \expndtw-2\charscalex100 105.5 \up0 \expndtw-3\cha
rscalex100 billion\par\pard\qj \li1728\ri228\sb14\sl-389\slmult0 \up0 \expndtw-1
\charscalex100 during CY10 to Rs 111.1 billion \line \up0 \expndtw-1\charsc
alex100 during CY11, depicting an increase \line \up0 \expndtw-3\charscalex100 o
f \up0 \expndtw-2\charscalex100 5.3 percent over CY10.\ul0\nosupersub\cf17\f18\f
s24 Interest\par\pard\ql \li1728\sb120\sl-276\slmult0\tx4216 \up0 \expndtw0\cha
rscalex114 income
to
total\tab \up0 \expndtw-3\charscalex100 income\par\pa
rd\column \ql \li21\sb0\sl-180\slmult0\tx1237\tx2812 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf49\f50\fs20 100.0%\tab \up0 \expndtw-2\charscalex100 85.7%\
tab \up0 \expndtw-2\charscalex100 85.4%\par\pard\ql \li121\sb67\sl-230\slmult0 \
up0 \expndtw-2\charscalex100 80.0%\par\pard\ql \li121\sb134\sl-230\slmult0 \up0
\expndtw-2\charscalex100 60.0%\par\pard\ql \li121\sb133\sl-230\slmult0 \up0 \exp
ndtw-2\charscalex100 40.0%\par\pard\ql \li1682\sb0\sl-180\slmult0\tx3262 \up0 \e

xpndtw-2\charscalex100 14.3%\tab \up0 \expndtw-2\charscalex100 14.6%\par\pard\ql

\li121\sb0\sl-180\slmult0 \up0 \expndtw-2\charscalex100 20.0%\par\pard\ql \li22
3\sb138\sl-230\slmult0 \up0 \expndtw-2\charscalex100 0.0%\par\pard\ql \li1365\sb
78\sl-230\slmult0\tx2945 \up0 \expndtw-3\charscalex100 CY 10\tab \up0 \expndtw-3
\charscalex100 CY 11 \par\pard\sect\sectd\sbknone \qj \li1728\ri1248\sb14\sl-420
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf17\f18\fs24 decreased t
o 85.4 percent in CY11 as compared to 85.7 percent in CY10. Non-interest income
\up0 \expndtw-3\charscalex100 increased from 14.3 percent in CY10 to 14.6 percen
t in CY11. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-27
6\slmult0 \par\pard\ql\li6145\sb167\sl-276\slmult0 \up0 \expndtw-3\charscalex100
26 \par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart
Pg35}{\bkmkend Pg35}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 All Banks - Overall\tab \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0
\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\cha
rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6678\tx7758\tx8838\tx991
8\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total eq
uity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
435,990,804\tab \up0 \expndtw-1\charscalex100 505,469,823\tab \up0 \expndtw-1\ch
arscalex100 582,598,286\tab \up0 \expndtw-1\charscalex100 610,649,234\tab \up0 \
expndtw-1\charscalex100 778,832,788\par\pard\li900\sb0\sl-161\slmult0\fi194\tx66
78\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Share capital/head office capital account\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 231,530,188\tab \up0 \expndtw-1\charscal
ex100 277,045,918\tab \up0 \expndtw-1\charscalex100 322,555,374\tab \up0 \expndt
w-1\charscalex100 348,918,576\tab \up0 \expndtw-1\charscalex100 452,485,661\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 118,940,698\tab \up0 \expndtw-1\
charscalex100 148,257,246\tab \up0 \expndtw-1\charscalex100 163,552,147\tab \up0
\expndtw-1\charscalex100 180,833,697\tab \up0 \expndtw-1\charscalex100 189,042,
759\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx10998
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated p
rofit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 85,519,918
\tab \up0 \expndtw-1\charscalex100 80,166,659\tab \up0 \expndtw-1\charscalex100
96,490,765\tab \up0 \expndtw-1\charscalex100 80,896,961\tab \up0 \expndtw-1\char
scalex100 137,304,368\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7833\tx8
913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 108,613,
011\tab \up0 \expndtw-1\charscalex100 62,957,129\tab \up0 \expndtw-1\charscalex1
00 84,003,150\tab \up0 \expndtw-1\charscalex100 88,490,784\tab \up0 \expndtw-1\c
harscalex100 30,545,204\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6573\tx7653\tx
8733\tx9813\tx10893 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 4,626,769,389\tab \up0 \expndtw-1\charscalex100 5,074,573,572\tab
\up0 \expndtw-1\charscalex100 5,864,049,257\tab \up0 \expndtw-1\charscalex100 6
,489,714,495\tab \up0 \expndtw-1\charscalex100 7,485,707,062\par\pard\li900\sb6\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 82,075,093\tab \up0 \expndtw-1\charscalex10
0 69,530,488\tab \up0 \expndtw-1\charscalex100 71,535,885\tab \up0 \expndtw-1\ch
arscalex100 75,421,757\tab \up0 \expndtw-1\charscalex100 85,260,553\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2

\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institu

tions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 452,050,15
0\tab \up0 \expndtw-1\charscalex100 460,028,229\tab \up0 \expndtw-1\charscalex10
0 659,274,039\tab \up0 \expndtw-1\charscalex100 550,000,562\tab \up0 \expndtw-1\
charscalex100 682,357,699\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653
\tx8733\tx9813\tx10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3,854,364,311\tab \up0 \expndtw-1\charscalex100 4,226,432,569\t
ab \up0 \expndtw-1\charscalex100 4,797,876,214\tab \up0 \expndtw-1\charscalex100
5,513,826,158\tab \up0 \expndtw-1\charscalex100 6,322,197,404\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 238,279,835\tab \up0 \expndtw1\charscalex100 318,582,286\tab \up0 \expndtw-1\charscalex100 335,363,119\tab \u
p0 \expndtw-1\charscalex100 350,466,018\tab \up0 \expndtw-1\charscalex100 395,89
1,406\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6573\tx7653\tx8733\tx9813\tx1089
3 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1
to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 5,171,373,204\tab \up0 \expndtw-1\charscalex100 5,643,000,524\tab \up0 \expn
dtw-1\charscalex100 6,530,650,693\tab \up0 \expndtw-1\charscalex100 7,188,854,51
3\tab \up0 \expndtw-1\charscalex100 8,295,085,054\par\pard\li900\sb6\sl-161\slmu
lt0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 469,267,797\tab \up0 \expndtw1\charscalex100 477,615,770\tab \up0 \expndtw-1\charscalex100 537,292,488\tab \u
p0 \expndtw-1\charscalex100 595,747,312\tab \up0 \expndtw-1\charscalex100 702,54
3,356\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx109
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with o
ther banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 147,5
10,726\tab \up0 \expndtw-1\charscalex100 184,087,341\tab \up0 \expndtw-1\charsca
lex100 195,972,436\tab \up0 \expndtw-1\charscalex100 180,579,242\tab \up0 \expnd
tw-1\charscalex100 193,129,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\t
x7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 190,577,446\tab \up0 \expndtw-1\charscalex100 188,41
4,080\tab \up0 \expndtw-1\charscalex100 238,445,016\tab \up0 \expndtw-1\charscal
ex100 214,680,843\tab \up0 \expndtw-1\charscalex100 207,938,045\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1,275,225,750\tab \up0 \expndtw-1\charsca
lex100 1,085,196,330\tab \up0 \expndtw-1\charscalex100 1,708,679,933\tab \up0 \e
xpndtw-1\charscalex100 2,171,288,430\tab \up0 \expndtw-1\charscalex100 3,080,510
,473\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx1089
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,842,331,732\tab
\up0 \expndtw-1\charscalex100 3,417,406,346\tab \up0 \expndtw-1\charscalex100 3
,564,239,824\tab \up0 \expndtw-1\charscalex100 3,779,635,789\tab \up0 \expndtw-1
\charscalex100 3,816,668,337\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7
758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 204,625,366\tab \up0 \expndtw-1\charscalex100 313,020
,509\tab \up0 \expndtw-1\charscalex100 425,320,610\tab \up0 \expndtw-1\charscale
x100 562,428,103\tab \up0 \expndtw-1\charscalex100 572,907,695\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 159,434,804\tab \up0 \expnd
tw-1\charscalex100 237,965,887\tab \up0 \expndtw-1\charscalex100 304,669,387\tab
\up0 \expndtw-1\charscalex100 372,648,121\tab \up0 \expndtw-1\charscalex100 399
,438,060\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx
10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net

of provision (C5 - C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f

57\fs12 2,682,896,928\tab \up0 \expndtw-1\charscalex100 3,179,440,459\tab \up0 \
expndtw-1\charscalex100 3,259,570,437\tab \up0 \expndtw-1\charscalex100 3,406,98
7,668\tab \up0 \expndtw-1\charscalex100 3,417,230,277\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 168,544,767\tab \up0 \expndtw-1\charscalex100 191,
279,879\tab \up0 \expndtw-1\charscalex100 192,043,955\tab \up0 \expndtw-1\charsc
alex100 203,638,519\tab \up0 \expndtw-1\charscalex100 217,209,736\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 237,349,790\tab \up0 \expndtw-1
\charscalex100 336,966,665\tab \up0 \expndtw-1\charscalex100 398,646,428\tab \up
0 \expndtw-1\charscalex100 415,932,499\tab \up0 \expndtw-1\charscalex100 476,524
,167\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmul
t0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 383,579,497\tab \up0 \expndtw-1\charscalex10
0 482,070,799\tab \up0 \expndtw-1\charscalex100 593,703,103\tab \up0 \expndtw-1\
charscalex100 630,569,606\tab \up0 \expndtw-1\charscalex100 649,831,706\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expenses\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 183,686,714\tab \u
p0 \expndtw-1\charscalex100 246,295,314\tab \up0 \expndtw-1\charscalex100 326,05
8,617\tab \up0 \expndtw-1\charscalex100 337,719,590\tab \up0 \expndtw-1\charscal
ex100 404,285,777\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\
tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net
markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 199,892,786\tab \up0 \expndtw-1\charscalex100 235,775,485\tab \up0 \ex
pndtw-1\charscalex100 276,157,706\tab \up0 \expndtw-1\charscalex100 287,472,434\
tab \up0 \expndtw-1\charscalex100 345,569,612\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6753\tx7758\tx8838\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 61,165,329\tab \up0 \expndtw-1\charscalex100
104,266,763\tab \up0 \expndtw-1\charscalex100 113,917,187\tab \up0 \expndtw-1\ch
arscalex100 78,361,932\tab \up0 \expndtw-1\charscalex100 60,819,829\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income afte
r provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 141
,321,995\tab \up0 \expndtw-1\charscalex100 130,344,598\tab \up0 \expndtw-1\chars
calex100 162,212,990\tab \up0 \expndtw-1\charscalex100 212,455,704\tab \up0 \exp
ndtw-1\charscalex100 297,336,503\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753
\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 92,849,866\tab \up0 \expndtw-1\charscalex100 103,289,49
2\tab \up0 \expndtw-1\charscalex100 106,091,369\tab \up0 \expndtw-1\charscalex10
0 105,468,634\tab \up0 \expndtw-1\charscalex100 111,109,122\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 125,859,144\tab \up0 \expn
dtw-1\charscalex100 166,010,509\tab \up0 \expndtw-1\charscalex100 190,059,825\ta
b \up0 \expndtw-1\charscalex100 207,934,611\tab \up0 \expndtw-1\charscalex100 22
9,862,158\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\t
x10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrat
ive expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 123
,286,772\tab \up0 \expndtw-1\charscalex100 160,702,985\tab \up0 \expndtw-1\chars
calex100 182,414,959\tab \up0 \expndtw-1\charscalex100 201,053,704\tab \up0 \exp
ndtw-1\charscalex100 227,574,365\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678
\tx7833\tx8913\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 107,153,118\tab \up0 \expndtw-1\charscalex100 63,261,1
97\tab \up0 \expndtw-1\charscalex100 69,304,886\tab \up0 \expndtw-1\charscalex10
0 113,795,360\tab \up0 \expndtw-1\charscalex100 169,664,520\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx10998 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77,935,097\tab \up0 \expndt
w-1\charscalex100 43,415,974\tab \up0 \expndtw-1\charscalex100 48,198,550\tab \u
p0 \expndtw-1\charscalex100 71,158,233\tab \up0 \expndtw-1\charscalex100 112,718
,176\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\t
x6678\tx7893\tx8838\tx9918\tx10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Cash generated from operating activities\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 418,781,554\tab \up0 \expndtw-1\charsc
alex100 1,849,272\tab \up0 \expndtw-1\charscalex100 604,337,114\tab \up0 \expndt
w-1\charscalex100 502,982,911\tab \up0 \expndtw-1\charscalex100 1,007,041,199\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments and contige
ncies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,205,635,
962\tab \up0 \expndtw-1\charscalex100 2,565,591,273\tab \up0 \expndtw-1\charscal
ex100 3,078,623,557\tab \up0 \expndtw-1\charscalex100 3,121,226,583\tab \up0 \ex
pndtw-1\charscalex100 3,728,294,254\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/prof
itability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spre
ad ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
52.11%\tab \up0 \expndtw-1\charscalex100 48.91%\tab \up0 \expndtw-1\charscalex1
00 46.51%\tab \up0 \expndtw-1\charscalex100 45.59%\tab \up0 \expndtw-1\charscale
x100 53.18%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1027
8\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net mark
up/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 3.87%\tab \up0 \expndtw-1\charscalex100 4.18%\tab \up0 \expndtw-1
\charscalex100 4.10%\tab \up0 \expndtw-1\charscalex100 4.07%\tab \up0 \expndtw-1
\charscalex100 2.96%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx91
98\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 17.88%\tab \up0 \expndtw-1\charscalex100 8.59%\tab \up0 \expndtw
-1\charscalex100 8.27%\tab \up0 \expndtw-1\charscalex100 11.65%\tab \up0 \expndt
w-1\charscalex100 14.47%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 1.51%\tab \up0 \expndtw-1\charscalex100 0.77%\tab \up0 \expn
dtw-1\charscalex100 0.74%\tab \up0 \expndtw-1\charscalex100 0.99%\tab \up0 \expn
dtw-1\charscalex100 1.36%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 1.80%\tab \up0 \expndtw-1\charscalex10
0 1.83%\tab \up0 \expndtw-1\charscalex100 1.62%\tab \up0 \expndtw-1\charscalex10
0 1.47%\tab \up0 \expndtw-1\charscalex100 1.34%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after provisions) to to
tal assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
2.73%\tab \up0 \expndtw-1\charscalex100 2.31%\tab \up0 \expndtw-1\charscalex100
2.48%\tab \up0 \expndtw-1\charscalex100 2.96%\tab \up0 \expndtw-1\charscalex100
3.58%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/intere
st expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 47.89%\tab \up0 \expndtw-1\charscalex100 51.09%\t
ab \up0 \expndtw-1\charscalex100 54.92%\tab \up0 \expndtw-1\charscalex100 53.56%
\tab \up0 \expndtw-1\charscalex100 62.21%\par\pard\li900\sb19\sl-161\slmult0\fi1

94\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup

ersub\cf51\f52\fs14 8.Admin. expesne to profit before tax. (D8/D9)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.15\tab \up0 \expndtw-1\char
scalex100 2.54\tab \up0 \expndtw-1\charscalex100 2.63\tab \up0 \expndtw-1\charsc
alex100 1.77\tab \up0 \expndtw-1\charscalex100 1.34\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7
/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26.42%\
tab \up0 \expndtw-1\charscalex100 28.36%\tab \up0 \expndtw-1\charscalex100 27.16
%\tab \up0 \expndtw-1\charscalex100 28.25%\tab \up0 \expndtw-1\charscalex100 30.
21%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx1146
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense
to non-markup/interest income(D8/D6)(times)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1.33\tab \up0 \expndtw-1\charscalex100 1.56\tab \u
p0 \expndtw-1\charscalex100 1.72\tab \up0 \expndtw-1\charscalex100 1.91\tab \up0
\expndtw-1\charscalex100 2.05\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\l
i900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total
assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 11.93%\tab \up0 \expndtw-1\charscalex100 11.73%\tab \up0 \expndtw-1\charscalex
100 11.23%\tab \up0 \expndtw-1\charscalex100 10.80%\tab \up0 \expndtw-1\charscal
ex100 10.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investm
ent to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 24.66%\tab \up0 \expndtw-1\charscalex100 19.23%\tab \up0 \expndtw-1\c
harscalex100 26.16%\tab \up0 \expndtw-1\charscalex100 30.20%\tab \up0 \expndtw-1
\charscalex100 37.14%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9
138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Advances net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 51.88%\tab \up0 \expndtw-1\charscalex100 56.
34%\tab \up0 \expndtw-1\charscalex100 49.91%\tab \up0 \expndtw-1\charscalex100 4
7.39%\tab \up0 \expndtw-1\charscalex100 41.20%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 74.53%\tab \up0 \expndtw-1\charscalex
100 74.90%\tab \up0 \expndtw-1\charscalex100 73.47%\tab \up0 \expndtw-1\charscal
ex100 76.70%\tab \up0 \expndtw-1\charscalex100 76.22%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89.47%\tab \up0 \expnd
tw-1\charscalex100 89.93%\tab \up0 \expndtw-1\charscalex100 89.79%\tab \up0 \exp
ndtw-1\charscalex100 90.27%\tab \up0 \expndtw-1\charscalex100 90.24%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/
B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73.74%\tab \
up0 \expndtw-1\charscalex100 80.86%\tab \up0 \expndtw-1\charscalex100 74.29%\tab
\up0 \expndtw-1\charscalex100 68.55%\tab \up0 \expndtw-1\charscalex100 60.37%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to bor
rowing & deposits C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 66.00%\tab \up0 \expndtw-1\charscalex100 72.92%\tab \up0 \expndtw-1
\charscalex100 65.31%\tab \up0 \expndtw-1\charscalex100 62.33%\tab \up0 \expndtw
-1\charscalex100 54.49%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li9
00\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loans to gross adv
ances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.
20%\tab \up0 \expndtw-1\charscalex100 9.16%\tab \up0 \expndtw-1\charscalex100 11
.93%\tab \up0 \expndtw-1\charscalex100 14.88%\tab \up0 \expndtw-1\charscalex100

15.01%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision aga
inst NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 5.61%\tab \up0 \expndtw-1\charscalex100 6.96%\tab \up0 \expn
dtw-1\charscalex100 8.55%\tab \up0 \expndtw-1\charscalex100 9.86%\tab \up0 \expn
dtw-1\charscalex100 10.47%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.NPLs to total equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 46.93%\tab \up0 \expndtw-1\charscalex100 61.93%\tab \up0 \exp
ndtw-1\charscalex100 73.00%\tab \up0 \expndtw-1\charscalex100 92.10%\tab \up0 \e
xpndtw-1\charscalex100 73.56%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.NPLs write off to NPLs provision (D4/C7)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 38.36%\tab \up0 \expndtw-1\charscalex100 43.8
2%\tab \up0 \expndtw-1\charscalex100 37.39%\tab \up0 \expndtw-1\charscalex100 21
.03%\tab \up0 \expndtw-1\charscalex100 15.23%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.92%\tab \up0 \expndtw-1\chars
calex100 76.02%\tab \up0 \expndtw-1\charscalex100 71.63%\tab \up0 \expndtw-1\cha
rscalex100 66.26%\tab \up0 \expndtw-1\charscalex100 69.72%\par\pard\li900\sb15\s
l-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I
.Capital /leverage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 8.43%\tab \up0 \expndtw-1\charscalex100 8.96%\tab \up0 \expndtw-1\chars
calex100 8.92%\tab \up0 \expndtw-1\charscalex100 8.49%\tab \up0 \expndtw-1\chars
calex100 9.39%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1
0383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commi
tments & contingencies to total equity (E2/A) (times)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 7.35\tab \up0 \expndtw-1\charscalex100 5.0
8\tab \up0 \expndtw-1\charscalex100 5.28\tab \up0 \expndtw-1\charscalex100 5.11\
tab \up0 \expndtw-1\charscalex100 4.79\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Total deposit to total equity (B3/A) (times)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.84\tab \up0 \expndtw-1\charsca
lex100 8.36\tab \up0 \expndtw-1\charscalex100 8.24\tab \up0 \expndtw-1\charscale
x100 9.03\tab \up0 \expndtw-1\charscalex100 8.12\par\pard\ql \li944\sb7\sl-184\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow r
atio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9243\tx10383\tx1146
3 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated f
rom operating activities to profit after tax (E1/D10) (times)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.37\tab \up0 \expndtw-1\charscale
x100 0.04\tab \up0 \expndtw-1\charscalex100 12.54\tab \up0 \expndtw-1\charscalex
100 7.07\tab \up0 \expndtw-1\charscalex100 8.93\par\pard\ql \li6127\sb0\sl-161\s
lmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slm
ult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmul
t0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb158\sl-161\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 27
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ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0
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f54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\cha
rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6678\tx7758\tx8838\tx991
8\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total eq
uity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
416,570,840\tab \up0 \expndtw-1\charscalex100 470,965,547\tab \up0 \expndtw-1\ch
arscalex100 546,749,512\tab \up0 \expndtw-1\charscalex100 575,850,581\tab \up0 \
expndtw-1\charscalex100 736,145,954\par\pard\li900\sb0\sl-161\slmult0\fi194\tx66
78\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 214,444,697\tab \up0 \expndtw-1\charscalex100 244,915,598\tab \up0 \
expndtw-1\charscalex100 287,671,156\tab \up0 \expndtw-1\charscalex100 314,927,76
9\tab \up0 \expndtw-1\charscalex100 413,765,908\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
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b \up0 \expndtw-1\charscalex100 163,459,432\tab \up0 \expndtw-1\charscalex100 18
0,708,124\tab \up0 \expndtw-1\charscalex100 188,893,473\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx10998 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 83,185,445\tab \up0 \expndtw-1\charsca
lex100 77,868,488\tab \up0 \expndtw-1\charscalex100 95,618,924\tab \up0 \expndtw
-1\charscalex100 80,214,688\tab \up0 \expndtw-1\charscalex100 133,486,573\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7833\tx8913\tx9993\tx11073 \dn2 \exp
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scalex100 63,489,982\tab \up0 \expndtw-1\charscalex100 84,112,627\tab \up0 \expn
dtw-1\charscalex100 88,781,586\tab \up0 \expndtw-1\charscalex100 30,702,014\par\
pard\li900\sb39\sl-155\slmult0\fi44\tx6573\tx7653\tx8733\tx9813\tx10893 \dn3 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,473,437,078\
tab \up0 \expndtw-1\charscalex100 4,873,983,320\tab \up0 \expndtw-1\charscalex10
0 5,658,751,947\tab \up0 \expndtw-1\charscalex100 6,290,968,977\tab \up0 \expndt
w-1\charscalex100 7,272,962,102\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\t
x7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 78,328,193\tab \up0 \expndtw-1\charscalex100 65,107,084\tab \up0 \expndt
w-1\charscalex100 67,938,226\tab \up0 \expndtw-1\charscalex100 69,858,475\tab \u
p0 \expndtw-1\charscalex100 81,275,225\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 432,584,922\tab \up0 \expndtw-1\charsca
lex100 442,681,300\tab \up0 \expndtw-1\charscalex100 642,543,459\tab \up0 \expnd
tw-1\charscalex100 534,575,425\tab \up0 \expndtw-1\charscalex100 660,893,348\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accou
nts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,737,263,10
5\tab \up0 \expndtw-1\charscalex100 4,078,494,404\tab \up0 \expndtw-1\charscalex
100 4,636,939,784\tab \up0 \expndtw-1\charscalex100 5,357,495,365\tab \up0 \expn
dtw-1\charscalex100 6,154,326,577\par\pard\li900\sb19\sl-161\slmult0\fi194\tx667
8\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 225,260,858\tab \up0 \expndtw-1\charscalex100 287,700,532\t
ab \up0 \expndtw-1\charscalex100 311,330,478\tab \up0 \expndtw-1\charscalex100 3
29,039,712\tab \up0 \expndtw-1\charscalex100 376,466,952\par\pard\li900\sb39\sl155\slmult0\fi44\tx6573\tx7653\tx8733\tx9813\tx10893 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,998,680,127\tab \up0 \e
xpndtw-1\charscalex100 5,408,438,849\tab \up0 \expndtw-1\charscalex100 6,289,614
,086\tab \up0 \expndtw-1\charscalex100 6,955,601,144\tab \up0 \expndtw-1\charsca
lex100 8,039,810,070\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6678\tx7758\tx883
8\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 445,344,022\tab \up0 \expndtw-1\charscalex100 442,680,478\t
ab \up0 \expndtw-1\charscalex100 502,499,262\tab \up0 \expndtw-1\charscalex100 5
62,952,771\tab \up0 \expndtw-1\charscalex100 664,067,113\par\pard\li900\sb19\sl161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 142,213,130\tab \up0 \expndtw-1\ch
arscalex100 165,718,117\tab \up0 \expndtw-1\charscalex100 179,702,590\tab \up0 \
expndtw-1\charscalex100 176,507,499\tab \up0 \expndtw-1\charscalex100 188,700,36
2\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financia
l institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
74,168,615\tab \up0 \expndtw-1\charscalex100 158,500,096\tab \up0 \expndtw-1\cha
rscalex100 206,327,062\tab \up0 \expndtw-1\charscalex100 178,200,677\tab \up0 \e
xpndtw-1\charscalex100 189,583,974\par\pard\li900\sb19\sl-161\slmult0\fi194\tx65
73\tx7653\tx8733\tx9813\tx10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,248,798,605\tab \up0 \expndtw-1\charscalex100 1,062,603,406\tab \up0
\expndtw-1\charscalex100 1,656,307,323\tab \up0 \expndtw-1\charscalex100 2,091,
478,733\tab \up0 \expndtw-1\charscalex100 2,967,129,069\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2,751,665,342\tab \up0 \expndtw-1\charscalex10

0 3,312,965,635\tab \up0 \expndtw-1\charscalex100 3,469,125,954\tab \up0 \expndt

w-1\charscalex100 3,708,140,800\tab \up0 \expndtw-1\charscalex100 3,743,452,773\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performi
ng/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20
3,448,143\tab \up0 \expndtw-1\charscalex100 309,884,247\tab \up0 \expndtw-1\char
scalex100 418,929,619\tab \up0 \expndtw-1\charscalex100 553,335,344\tab \up0 \ex
pndtw-1\charscalex100 565,307,173\par\pard\li900\sb19\sl-161\slmult0\fi194\tx667
8\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 157,223,346\tab \up0 \expndtw-1\charscalex100 235,446,65
8\tab \up0 \expndtw-1\charscalex100 299,881,001\tab \up0 \expndtw-1\charscalex10
0 366,781,129\tab \up0 \expndtw-1\charscalex100 392,634,151\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,594,441,996\tab \up0
\expndtw-1\charscalex100 3,077,518,977\tab \up0 \expndtw-1\charscalex100 3,169,2
44,953\tab \up0 \expndtw-1\charscalex100 3,341,359,671\tab \up0 \expndtw-1\chars
calex100 3,350,818,622\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx
8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
66,577,174\tab \up0 \expndtw-1\charscalex100 187,582,375\tab \up0 \expndtw-1\cha
rscalex100 188,454,465\tab \up0 \expndtw-1\charscalex100 201,415,400\tab \up0 \e
xpndtw-1\charscalex100 215,033,249\par\pard\li900\sb19\sl-161\slmult0\fi194\tx66
78\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 227,136,585\tab \up0 \expndtw-1\charscalex100 313,835,400\tab
\up0 \expndtw-1\charscalex100 387,078,431\tab \up0 \expndtw-1\charscalex100 403,
686,393\tab \up0 \expndtw-1\charscalex100 464,477,681\par\pard\li900\sb14\sl-184
\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Prof
it & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\t
x9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Mark
up/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 368,333,275\tab \up0 \expndtw-1\charscalex100 463,838,210\tab \up0 \expndtw-1
\charscalex100 571,440,077\tab \up0 \expndtw-1\charscalex100 610,157,558\tab \up
0 \expndtw-1\charscalex100 625,803,993\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 175,541,831\tab \up0 \expndtw-1\charscalex100 237,1
96,646\tab \up0 \expndtw-1\charscalex100 313,861,482\tab \up0 \expndtw-1\charsca
lex100 332,625,929\tab \up0 \expndtw-1\charscalex100 392,102,677\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 192,791,447\tab \up0 \e
xpndtw-1\charscalex100 226,641,564\tab \up0 \expndtw-1\charscalex100 266,091,815
\tab \up0 \expndtw-1\charscalex100 277,581,629\tab \up0 \expndtw-1\charscalex100
333,724,999\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8838\tx999
3\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisio
ns and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 58,426,217\tab \up0 \expndtw-1\charscalex100 99,698,545\tab \up0 \expndtw-1\ch
arscalex100 109,190,178\tab \up0 \expndtw-1\charscalex100 75,740,441\tab \up0 \e
xpndtw-1\charscalex100 59,473,036\par\pard\li900\sb19\sl-161\slmult0\fi194\tx667
8\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 136,959,768\tab \up0 \expndtw-1\chars
calex100 125,735,437\tab \up0 \expndtw-1\charscalex100 156,872,452\tab \up0 \exp
ndtw-1\charscalex100 205,142,052\tab \up0 \expndtw-1\charscalex100 286,796,495\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8838\tx9918\tx10998 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 87,927,50

5\tab \up0 \expndtw-1\charscalex100 97,517,397\tab \up0 \expndtw-1\charscalex100

100,482,691\tab \up0 \expndtw-1\charscalex100 100,630,451\tab \up0 \expndtw-1\c
harscalex100 106,557,701\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\
tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 119,082,194\tab \up0 \expndtw-1\charscalex100 155,635,765\tab
\up0 \expndtw-1\charscalex100 178,005,794\tab \up0 \expndtw-1\charscalex100 198
,397,770\tab \up0 \expndtw-1\charscalex100 220,132,012\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 117,431,866\tab \up0 \expndtw-1\charsc
alex100 150,384,735\tab \up0 \expndtw-1\charscalex100 170,516,859\tab \up0 \expn
dtw-1\charscalex100 191,692,767\tab \up0 \expndtw-1\charscalex100 217,940,592\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7833\tx8913\tx9918\tx10998 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before ta
xation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 104,645,4
80\tab \up0 \expndtw-1\charscalex100 63,254,685\tab \up0 \expndtw-1\charscalex10
0 70,155,458\tab \up0 \expndtw-1\charscalex100 111,748,712\tab \up0 \expndtw-1\c
harscalex100 164,064,098\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\
tx8913\tx9993\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 76,175,349\tab \up0 \expndtw-1\charscalex100 42,765,351\tab \u
p0 \expndtw-1\charscalex100 49,007,928\tab \up0 \expndtw-1\charscalex100 70,198,
522\tab \up0 \expndtw-1\charscalex100 109,057,518\par\pard\li900\sb14\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other it
ems\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary sh
ares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,413,538\
tab \up0 \expndtw-1\charscalex100 24,452,483\tab \up0 \expndtw-1\charscalex100 2
8,727,998\tab \up0 \expndtw-1\charscalex100 31,439,491\tab \up0 \expndtw-1\chars
calex100 41,323,258\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx936
0\tx10440\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/
A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\ta
b \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus share
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \
expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expn
dtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6678\tx7784\tx8838\tx9918\tx10998 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activitie
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 419,615,976\ta
b \up0 \expndtw-1\charscalex100 (30,881,293)\tab \up0 \expndtw-1\charscalex100 5
77,721,142\tab \up0 \expndtw-1\charscalex100 490,297,865\tab \up0 \expndtw-1\cha
rscalex100 978,817,338\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx
8733\tx9813\tx10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 2,692,648,071\tab \up0 \expndtw-1\charscalex100 2,165,108,445\tab
\up0 \expndtw-1\charscalex100 2,689,531,535\tab \up0 \expndtw-1\charscalex100 2
,675,985,776\tab \up0 \expndtw-1\charscalex100 3,271,877,496\par\pard\li900\sb14
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi19
4\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 52.34%\tab \up0 \expndtw-1\charscalex100 48.86%\tab \u
p0 \expndtw-1\charscalex100 46.57%\tab \up0 \expndtw-1\charscalex100 45.49%\tab
\up0 \expndtw-1\charscalex100 53.33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\char

scalex100 \ul0\nosupersub\cf56\f57\fs12 3.86%\tab \up0 \expndtw-1\charscalex100

4.19%\tab \up0 \expndtw-1\charscalex100 4.10%\tab \up0 \expndtw-1\charscalex100
3.99%\tab \up0 \expndtw-1\charscalex100 2.91%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.18\tab \up0 \expndtw-1\charscalex100
0.09\tab \up0 \expndtw-1\charscalex100 0.09\tab \up0 \expndtw-1\charscalex100 0.
12\tab \up0 \expndtw-1\charscalex100 0.15\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1.52%\tab \up0 \expndtw-1\charscalex100 0.7
9%\tab \up0 \expndtw-1\charscalex100 0.78%\tab \up0 \expndtw-1\charscalex100 1.0
1%\tab \up0 \expndtw-1\charscalex100 1.36%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.76%\tab \up0 \exp
ndtw-1\charscalex100 1.80%\tab \up0 \expndtw-1\charscalex100 1.60%\tab \up0 \exp
ndtw-1\charscalex100 1.45%\tab \up0 \expndtw-1\charscalex100 1.33%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(afte
r prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 2.74%\tab \up0 \expndtw-1\charscalex100 2.32%\tab \up0 \expndtw-1
\charscalex100 2.49%\tab \up0 \expndtw-1\charscalex100 2.95%\tab \up0 \expndtw-1
\charscalex100 3.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7
.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47.66%\tab \up0 \expndtw-1\charscal
ex100 51.14%\tab \up0 \expndtw-1\charscalex100 54.92%\tab \up0 \expndtw-1\charsc
alex100 54.51%\tab \up0 \expndtw-1\charscalex100 62.66%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.12\ta
b \up0 \expndtw-1\charscalex100 2.38\tab \up0 \expndtw-1\charscalex100 2.43\tab
\up0 \expndtw-1\charscalex100 1.72\tab \up0 \expndtw-1\charscalex100 1.33\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expe
nse to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 26.10%\tab \up0 \expndtw-1\charscalex100 27.72%\tab \up0 \expndtw
-1\charscalex100 26.49%\tab \up0 \expndtw-1\charscalex100 27.91%\tab \up0 \expnd
tw-1\charscalex100 30.06%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 10.Admin. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.34\tab \up0 \expndtw-1\c
harscalex100 1.54\tab \up0 \expndtw-1\charscalex100 1.70\tab \up0 \expndtw-1\cha
rscalex100 1.90\tab \up0 \expndtw-1\charscalex100 2.05\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.56\tab \up0 \expndtw-1\charscal
ex100 1.75\tab \up0 \expndtw-1\charscalex100 1.71\tab \up0 \expndtw-1\charscalex
100 2.23\tab \up0 \expndtw-1\charscalex100 2.64\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity
ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash eq
uivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 11.75%\tab \up0 \expndtw-1\charscalex100 11.25%\tab \up0 \exp
ndtw-1\charscalex100 10.85%\tab \up0 \expndtw-1\charscalex100 10.63%\tab \up0 \e
xpndtw-1\charscalex100 10.61%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 24.98%\tab \up0 \expndtw-1\charscalex100 19.65%\tab

\up0 \expndtw-1\charscalex100 26.33%\tab \up0 \expndtw-1\charscalex100 30.07%\ta

b \up0 \expndtw-1\charscalex100 36.91%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 51.90%\tab \up0 \expndtw-1\
charscalex100 56.90%\tab \up0 \expndtw-1\charscalex100 50.39%\tab \up0 \expndtw1\charscalex100 48.04%\tab \up0 \expndtw-1\charscalex100 41.68%\par\pard\li900\s
b39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 74.76%\tab \up0 \expn
dtw-1\charscalex100 75.41%\tab \up0 \expndtw-1\charscalex100 73.72%\tab \up0 \ex
pndtw-1\charscalex100 77.02%\tab \up0 \expndtw-1\charscalex100 76.55%\par\pard\l
i900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total asse
ts (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89.49%\
tab \up0 \expndtw-1\charscalex100 90.12%\tab \up0 \expndtw-1\charscalex100 89.97
%\tab \up0 \expndtw-1\charscalex100 90.44%\tab \up0 \expndtw-1\charscalex100 90.
46%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances t
o deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 73.63%\tab \up0 \expndtw-1\charscalex100 81.23%\tab \up0 \expndtw-1\charscale
x100 74.81%\tab \up0 \expndtw-1\charscalex100 69.21%\tab \up0 \expndtw-1\charsca
lex100 60.83%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross
advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 65.99%\tab \up0 \expndtw-1\charscalex100 73.28%\tab \
up0 \expndtw-1\charscalex100 65.71%\tab \up0 \expndtw-1\charscalex100 62.93%\tab
\up0 \expndtw-1\charscalex100 54.93%\par\pard\li900\sb15\sl-184\slmult0\fi44 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratio
s\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan
to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 7.39%\tab \up0 \expndtw-1\charscalex100 9.35%\tab \up0 \expndtw-1\cha
rscalex100 12.08%\tab \up0 \expndtw-1\charscalex100 14.92%\tab \up0 \expndtw-1\c
harscalex100 15.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx919
8\tx10278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Provisions against NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 7.44%\tab \up0 \expndtw-1\charscalex100 7.11%\
tab \up0 \expndtw-1\charscalex100 8.64%\tab \up0 \expndtw-1\charscalex100 9.89%\
tab \up0 \expndtw-1\charscalex100 10.49%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 48.84%\tab \up0 \expndtw-1\charscalex100
65.80%\tab \up0 \expndtw-1\charscalex100 76.62%\tab \up0 \expndtw-1\charscalex1
00 96.09%\tab \up0 \expndtw-1\charscalex100 76.79%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 37.16%\tab \up0 \expndt
w-1\charscalex100 42.34%\tab \up0 \expndtw-1\charscalex100 36.41%\tab \up0 \expn
dtw-1\charscalex100 20.65%\tab \up0 \expndtw-1\charscalex100 15.15%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C
7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.28%\tab
\up0 \expndtw-1\charscalex100 75.98%\tab \up0 \expndtw-1\charscalex100 71.58%\t
ab \up0 \expndtw-1\charscalex100 66.29%\tab \up0 \expndtw-1\charscalex100 69.46%
\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult
0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 8.33%\tab \up0 \expndtw-1\charscalex100 8.71%\tab

\up0 \expndtw-1\charscalex100 8.69%\tab \up0 \expndtw-1\charscalex100 8.28%\tab

\up0 \expndtw-1\charscalex100 9.16%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.46\tab \up0 \expnd
tw-1\charscalex100 4.60\tab \up0 \expndtw-1\charscalex100 4.92\tab \up0 \expndtw
-1\charscalex100 4.65\tab \up0 \expndtw-1\charscalex100 4.44\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.45\tab \up0 \expndtw
-1\charscalex100 19.26\tab \up0 \expndtw-1\charscalex100 19.03\tab \up0 \expndtw
-1\charscalex100 18.32\tab \up0 \expndtw-1\charscalex100 17.81\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.97\tab
\up0 \expndtw-1\charscalex100 8.66\tab \up0 \expndtw-1\charscalex100 8.48\tab \
up0 \expndtw-1\charscalex100 9.30\tab \up0 \expndtw-1\charscalex100 8.36\par\par
d\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx81
60\tx9243\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Cash generated from opration activities to profit after tax (E4/D10) (ti
mes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.51\tab \u
p0 \expndtw-1\charscalex100 -0.72\tab \up0 \expndtw-1\charscalex100 11.79\tab \u
p0 \expndtw-1\charscalex100 6.98\tab \up0 \expndtw-1\charscalex100 8.98\par\pard
\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\
ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 28
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g37}{\bkmkend Pg37}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 Public Sector Banks - Overall\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197
\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expnd
tw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw
-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx88
38\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.
Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 90,977,453\tab \up0 \expndtw-1\charscalex100 93,237,138\tab \up0 \expndt
w-1\charscalex100 107,010,826\tab \up0 \expndtw-1\charscalex100 105,265,258\tab
\up0 \expndtw-1\charscalex100 127,855,842\par\pard\li900\sb0\sl-161\slmult0\fi19
4\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 16,671,332\tab \up0 \expndtw-1\charscalex100 18,544,359\tab \u
p0 \expndtw-1\charscalex100 21,339,327\tab \up0 \expndtw-1\charscalex100 24,030,
254\tab \up0 \expndtw-1\charscalex100 41,414,299\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 24,729,769\tab \up0 \expndtw-1\charscalex100 29,033,178\tab
\up0 \expndtw-1\charscalex100 31,486,173\tab \up0 \expndtw-1\charscalex100 27,9
23,238\tab \up0 \expndtw-1\charscalex100 29,278,867\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 49,576,352\tab \up0 \expndtw-1\charscalex1
00 45,659,601\tab \up0 \expndtw-1\charscalex100 54,185,326\tab \up0 \expndtw-1\c
harscalex100 53,311,766\tab \up0 \expndtw-1\charscalex100 57,162,676\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 51,320,469\tab \up0 \expndtw-1\charscalex
100 18,749,454\tab \up0 \expndtw-1\charscalex100 24,580,515\tab \up0 \expndtw-1\
charscalex100 40,149,918\tab \up0 \expndtw-1\charscalex100 41,347,659\par\pard\l
i900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8733\tx9813\tx10893 \dn3 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 893,595,159\tab \up0
\expndtw-1\charscalex100 930,323,564\tab \up0 \expndtw-1\charscalex100 1,049,63
9,678\tab \up0 \expndtw-1\charscalex100 1,185,232,528\tab \up0 \expndtw-1\charsc
alex100 1,397,449,415\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7833\tx89
13\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8
,541,822\tab \up0 \expndtw-1\charscalex100 11,663,371\tab \up0 \expndtw-1\charsc
alex100 12,159,963\tab \up0 \expndtw-1\charscalex100 8,970,578\tab \up0 \expndtw
-1\charscalex100 10,375,239\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx78
33\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Borrowings from financial institutions\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 30,071,917\tab \up0 \expndtw-1\charscalex100 53,67
5,530\tab \up0 \expndtw-1\charscalex100 62,285,275\tab \up0 \expndtw-1\charscale
x100 35,045,634\tab \up0 \expndtw-1\charscalex100 74,790,720\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9813\tx10893 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 812,969,640\tab \up0 \expndt
w-1\charscalex100 819,683,051\tab \up0 \expndtw-1\charscalex100 926,628,132\tab

\up0 \expndtw-1\charscalex100 1,087,487,521\tab \up0 \expndtw-1\charscalex100 1,

248,192,841\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993
\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/mis
c. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
2,011,780\tab \up0 \expndtw-1\charscalex100 45,301,612\tab \up0 \expndtw-1\chars
calex100 48,566,308\tab \up0 \expndtw-1\charscalex100 53,728,795\tab \up0 \expnd
tw-1\charscalex100 64,090,615\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6573\tx7
653\tx8733\tx9813\tx10893 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1,035,893,081\tab \up0 \expndtw-1\charscalex100 1,04
2,310,156\tab \up0 \expndtw-1\charscalex100 1,181,231,019\tab \up0 \expndtw-1\ch
arscalex100 1,330,647,704\tab \up0 \expndtw-1\charscalex100 1,566,652,916\par\pa
rd\li900\sb6\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treas
ury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 111,25
8,061\tab \up0 \expndtw-1\charscalex100 119,322,457\tab \up0 \expndtw-1\charscal
ex100 129,608,813\tab \up0 \expndtw-1\charscalex100 135,642,657\tab \up0 \expndt
w-1\charscalex100 153,973,921\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 43,513,302\tab \up0 \expndtw-1\charscalex100 44,286,770\tab \
up0 \expndtw-1\charscalex100 33,955,399\tab \up0 \expndtw-1\charscalex100 36,122
,514\tab \up0 \expndtw-1\charscalex100 34,009,639\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 28,017,600\tab \up0 \expndtw-1\ch
arscalex100 20,394,708\tab \up0 \expndtw-1\charscalex100 23,263,730\tab \up0 \ex
pndtw-1\charscalex100 33,849,174\tab \up0 \expndtw-1\charscalex100 66,120,024\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 296,355,059\tab \up0 \expnd
tw-1\charscalex100 204,784,000\tab \up0 \expndtw-1\charscalex100 262,331,351\tab
\up0 \expndtw-1\charscalex100 380,720,883\tab \up0 \expndtw-1\charscalex100 479
,516,725\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx
10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advanc
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 526,923,813\t
ab \up0 \expndtw-1\charscalex100 629,389,241\tab \up0 \expndtw-1\charscalex100 7
02,632,358\tab \up0 \expndtw-1\charscalex100 718,055,264\tab \up0 \expndtw-1\cha
rscalex100 788,464,677\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx
8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 44,053,993\tab \up0 \expndtw-1\charscalex100 102,628,919\ta
b \up0 \expndtw-1\charscalex100 118,528,163\tab \up0 \expndtw-1\charscalex100 16
8,813,094\tab \up0 \expndtw-1\charscalex100 166,430,443\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39,203,981\tab \up0 \expndtw-1\cha
rscalex100 68,723,074\tab \up0 \expndtw-1\charscalex100 80,452,578\tab \up0 \exp
ndtw-1\charscalex100 93,825,342\tab \up0 \expndtw-1\charscalex100 96,999,775\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisio
n (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 487,71
9,832\tab \up0 \expndtw-1\charscalex100 560,666,167\tab \up0 \expndtw-1\charscal
ex100 622,179,780\tab \up0 \expndtw-1\charscalex100 624,229,922\tab \up0 \expndt
w-1\charscalex100 691,464,902\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 29,537,449\tab \up0 \expndtw-1\charscalex100 28,051,915\tab \up0 \expndtw1\charscalex100 29,890,350\tab \up0 \expndtw-1\charscalex100 32,465,159\tab \up0
\expndtw-1\charscalex100 33,839,457\par\pard\li900\sb19\sl-161\slmult0\fi194\tx

6753\tx7833\tx8913\tx9993\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\

cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 39,491,778\tab \up0 \expndtw-1\charscalex100 64,804,139\tab
\up0 \expndtw-1\charscalex100 80,001,596\tab \up0 \expndtw-1\charscalex100 87,61
7,395\tab \up0 \expndtw-1\charscalex100 107,728,248\par\pard\li900\sb14\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit
& loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8838\tx9
918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup
/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
71,174,301\tab \up0 \expndtw-1\charscalex100 82,390,735\tab \up0 \expndtw-1\cha
rscalex100 100,164,255\tab \up0 \expndtw-1\charscalex100 112,480,667\tab \up0 \e
xpndtw-1\charscalex100 128,941,668\par\pard\li900\sb19\sl-161\slmult0\fi194\tx67
53\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 32,896,942\tab \up0 \expndtw-1\charscalex100 42,609,185
\tab \up0 \expndtw-1\charscalex100 59,860,679\tab \up0 \expndtw-1\charscalex100
67,660,293\tab \up0 \expndtw-1\charscalex100 77,559,526\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,277,359\tab \up0 \expndtw-1\c
harscalex100 39,781,550\tab \up0 \expndtw-1\charscalex100 40,303,576\tab \up0 \e
xpndtw-1\charscalex100 44,820,374\tab \up0 \expndtw-1\charscalex100 51,382,142\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-o
ffs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,287,953\ta
b \up0 \expndtw-1\charscalex100 30,489,527\tab \up0 \expndtw-1\charscalex100 32,
491,627\tab \up0 \expndtw-1\charscalex100 13,736,092\tab \up0 \expndtw-1\charsca
lex100 12,227,283\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\
tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net
markup/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 30,989,906\tab \up0 \expndtw-1\charscalex100 9,292,02
3\tab \up0 \expndtw-1\charscalex100 7,811,949\tab \up0 \expndtw-1\charscalex100
31,729,814\tab \up0 \expndtw-1\charscalex100 44,341,083\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,795,675\tab \up0 \expndtw-1\c
harscalex100 21,028,786\tab \up0 \expndtw-1\charscalex100 23,742,739\tab \up0 \e
xpndtw-1\charscalex100 20,153,147\tab \up0 \expndtw-1\charscalex100 22,950,040\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,563,
511\tab \up0 \expndtw-1\charscalex100 23,756,378\tab \up0 \expndtw-1\charscalex1
00 28,073,776\tab \up0 \expndtw-1\charscalex100 32,695,068\tab \up0 \expndtw-1\c
harscalex100 32,233,064\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\t
x8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 17,311,928\tab \up0 \expndtw-1\charscalex100 21,993,798\tab \up0 \exp
ndtw-1\charscalex100 26,787,981\tab \up0 \expndtw-1\charscalex100 31,644,453\tab
\up0 \expndtw-1\charscalex100 37,303,271\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6753\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 33,235,659\tab \up0 \expndtw-1\charscalex100
6,564,431\tab \up0 \expndtw-1\charscalex100 3,480,912\tab \up0 \expndtw-1\charsc
alex100 31,592,317\tab \up0 \expndtw-1\charscalex100 29,411,229\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,856,716\tab \up0 \ex
pndtw-1\charscalex100 5,642,453\tab \up0 \expndtw-1\charscalex100 6,672,253\tab
\up0 \expndtw-1\charscalex100 22,372,156\tab \up0 \expndtw-1\charscalex100 19,88
4,505\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0

\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\

tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 1,667,133\tab \up0 \expndtw-1\charscalex100 1,854,436\
tab \up0 \expndtw-1\charscalex100 2,133,932\tab \up0 \expndtw-1\charscalex100 2,
403,025\tab \up0 \expndtw-1\charscalex100 4,141,430\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0
\expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \ex
pndtw-1\charscalex100 N/A\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280
\tx9360\tx10440\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\
charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\char
scalex100 N/A\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7784\tx9078\tx99
18\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash ge
nerated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 117,131,331\tab \up0 \expndtw-1\charscalex100 (45,155,885)\tab
\up0 \expndtw-1\charscalex100 974,839\tab \up0 \expndtw-1\charscalex100 126,587
,260\tab \up0 \expndtw-1\charscalex100 107,145,797\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 453,678,543\tab \up0 \expndtw-1\chars
calex100 294,175,142\tab \up0 \expndtw-1\charscalex100 290,828,179\tab \up0 \exp
ndtw-1\charscalex100 453,490,628\tab \up0 \expndtw-1\charscalex100 598,692,115\p
ar\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 53.78%\tab \up0 \expndtw-1\charscale
x100 48.28%\tab \up0 \expndtw-1\charscalex100 40.24%\tab \up0 \expndtw-1\charsca
lex100 39.85%\tab \up0 \expndtw-1\charscalex100 39.85%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.70%\tab \up0 \expndt
w-1\charscalex100 3.82%\tab \up0 \expndtw-1\charscalex100 3.41%\tab \up0 \expndt
w-1\charscalex100 3.37%\tab \up0 \expndtw-1\charscalex100 3.28%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.26\tab \up0 \expndt
w-1\charscalex100 0.06\tab \up0 \expndtw-1\charscalex100 0.06\tab \up0 \expndtw1\charscalex100 0.21\tab \up0 \expndtw-1\charscalex100 0.16\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.30%\tab \up0 \expndtw-1
\charscalex100 0.54%\tab \up0 \expndtw-1\charscalex100 0.56%\tab \up0 \expndtw-1
\charscalex100 1.68%\tab \up0 \expndtw-1\charscalex100 1.27%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total a
ssets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
.91%\tab \up0 \expndtw-1\charscalex100 2.02%\tab \up0 \expndtw-1\charscalex100 2
.01%\tab \up0 \expndtw-1\charscalex100 1.51%\tab \up0 \expndtw-1\charscalex100 1
.46%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx113
58 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/inte
rest income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 2.99%\tab \up0 \expndtw-1\charscalex100 0.89%\t
ab \up0 \expndtw-1\charscalex100 0.66%\tab \up0 \expndtw-1\charscalex100 2.38%\t
ab \up0 \expndtw-1\charscalex100 2.83%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers

ub\cf51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\t

ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.22%\tab \up0 \
expndtw-1\charscalex100 51.72%\tab \up0 \expndtw-1\charscalex100 59.76%\tab \up0
\expndtw-1\charscalex100 60.15%\tab \up0 \expndtw-1\charscalex100 60.15%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit b
efore tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.52\tab \up0 \expndtw-1\charscalex100 3.35\tab \up0 \expndtw-1\chars
calex100 7.70\tab \up0 \expndtw-1\charscalex100 1.00\tab \up0 \expndtw-1\charsca
lex100 1.27\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-mark
up/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 19.31%\tab \up0 \expndtw-1\charscalex100 22.97%
\tab \up0 \expndtw-1\charscalex100 22.66%\tab \up0 \expndtw-1\charscalex100 24.6
5%\tab \up0 \expndtw-1\charscalex100 21.22%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.87\tab
\up0 \expndtw-1\charscalex100 1.05\tab \up0 \expndtw-1\charscalex100 1.13\tab \
up0 \expndtw-1\charscalex100 1.57\tab \up0 \expndtw-1\charscalex100 1.63\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8223\tx9303\tx10383\tx11463 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14.31\tab \up0
\expndtw-1\charscalex100 3.04\tab \up0 \expndtw-1\charscalex100 3.13\tab \up0 \e
xpndtw-1\charscalex100 9.31\tab \up0 \expndtw-1\charscalex100 4.80\par\pard\li90
0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 14.94%\tab \up0 \expndtw-1\charscalex100 1
5.70%\tab \up0 \expndtw-1\charscalex100 13.85%\tab \up0 \expndtw-1\charscalex100
12.91%\tab \up0 \expndtw-1\charscalex100 12.00%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 28.61%\tab \up0 \expndtw-1\charsc
alex100 19.65%\tab \up0 \expndtw-1\charscalex100 22.21%\tab \up0 \expndtw-1\char
scalex100 28.61%\tab \up0 \expndtw-1\charscalex100 30.61%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets
(C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47.08%\t
ab \up0 \expndtw-1\charscalex100 53.79%\tab \up0 \expndtw-1\charscalex100 52.67%
\tab \up0 \expndtw-1\charscalex100 46.91%\tab \up0 \expndtw-1\charscalex100 44.1
4%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total
assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78
.48%\tab \up0 \expndtw-1\charscalex100 78.64%\tab \up0 \expndtw-1\charscalex100
78.45%\tab \up0 \expndtw-1\charscalex100 81.73%\tab \up0 \expndtw-1\charscalex10
0 79.67%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabil
ities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 86.26%\tab \up0 \expndtw-1\charscalex100 89.26%\tab \up0 \expndtw-1\
charscalex100 88.86%\tab \up0 \expndtw-1\charscalex100 89.07%\tab \up0 \expndtw1\charscalex100 89.20%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 64.81%\tab \up0 \expndtw-1\charscalex100 76.78%\tab \up0 \
expndtw-1\charscalex100 75.83%\tab \up0 \expndtw-1\charscalex100 66.03%\tab \up0
\expndtw-1\charscalex100 63.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978
\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-

1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 62.50%\tab \up0 \expndtw-1\charsca

lex100 72.07%\tab \up0 \expndtw-1\charscalex100 71.05%\tab \up0 \expndtw-1\chars
calex100 63.97%\tab \up0 \expndtw-1\charscalex100 59.60%\par\pard\li900\sb15\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.A
ssets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8058\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 8.36%\tab \up0 \expndtw-1\charscalex100 16.31%\tab
\up0 \expndtw-1\charscalex100 16.87%\tab \up0 \expndtw-1\charscalex100 23.51%\t
ab \up0 \expndtw-1\charscalex100 21.11%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.49%\tab \up0 \expndtw-1\
charscalex100 10.92%\tab \up0 \expndtw-1\charscalex100 11.45%\tab \up0 \expndtw1\charscalex100 13.07%\tab \up0 \expndtw-1\charscalex100 12.30%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48.42%\tab \up0 \
expndtw-1\charscalex100 110.07%\tab \up0 \expndtw-1\charscalex100 110.76%\tab \u
p0 \expndtw-1\charscalex100 160.37%\tab \up0 \expndtw-1\charscalex100 130.17%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs
provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 18.59%\tab \up0 \expndtw-1\charscalex100 44.37%\tab \up0 \expndtw-1\charscal
ex100 40.39%\tab \up0 \expndtw-1\charscalex100 14.64%\tab \up0 \expndtw-1\charsc
alex100 12.61%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provi
sion against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 88.99%\tab \up0 \expndtw-1\charscalex100 66.96%\tab \up0 \expnd
tw-1\charscalex100 67.88%\tab \up0 \expndtw-1\charscalex100 55.58%\tab \up0 \exp
ndtw-1\charscalex100 58.28%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\p
ard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.78%\tab \up0 \expndt
w-1\charscalex100 8.95%\tab \up0 \expndtw-1\charscalex100 9.06%\tab \up0 \expndt
w-1\charscalex100 7.91%\tab \up0 \expndtw-1\charscalex100 8.16%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total
equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 4.99\tab \up0 \expndtw-1\charscalex100 3.16\tab \up0 \expndtw-1\charscale
x100 2.72\tab \up0 \expndtw-1\charscalex100 4.31\tab \up0 \expndtw-1\charscalex1
00 4.68\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx
11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up val
ue per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 54.57\tab \up0 \expndtw-1\charscalex100 50.28\tab \up0 \expndtw-1\charscalex
100 50.15\tab \up0 \expndtw-1\charscalex100 43.81\tab \up0 \expndtw-1\charscalex
100 30.87\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10323\
tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total depo
sit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 8.94\tab \up0 \expndtw-1\charscalex100 8.79\tab \up0 \expndtw
-1\charscalex100 8.66\tab \up0 \expndtw-1\charscalex100 10.33\tab \up0 \expndtw1\charscalex100 9.76\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl
-161\slmult0\fi0\tx7143\tx8160\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities to p
rofit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 4.91\tab \up0 \expndtw-1\charscalex100 -8.00\tab \up0 \expndtw1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 5.66\tab \up0 \expndtw-1\
charscalex100 5.39\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb

0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63

\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 29
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0 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmu
lt0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0
\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\
charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\ch
arscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx
10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tota
l equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 1,028,116\tab \up0 \expndtw-1\charscalex100 1,135,800\tab \up0 \expndtw-1\ch
arscalex100 1,058,318\tab \up0 \expndtw-1\charscalex100 1,084,517\tab \up0 \expn
dtw-1\charscalex100 1,645,428\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\tx7
998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 283,650\tab \up0 \expndtw-1\charscalex100 283,650\tab \up0 \expndtw-1\cha
rscalex100 283,650\tab \up0 \expndtw-1\charscalex100 283,650\tab \up0 \expndtw-1
\charscalex100 1,080,038\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\

tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs

14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20
7,336\tab \up0 \expndtw-1\charscalex100 228,540\tab \up0 \expndtw-1\charscalex10
0 228,540\tab \up0 \expndtw-1\charscalex100 233,282\tab \up0 \expndtw-1\charscal
ex100 284,991\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un app
ropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
537,130\tab \up0 \expndtw-1\charscalex100 623,610\tab \up0 \expndtw-1\charscale
x100 546,128\tab \up0 \expndtw-1\charscalex100 567,585\tab \up0 \expndtw-1\chars
calex100 280,399\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8010\tx9138\t
x10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Oth
ers\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 60,128\tab \
up0 \expndtw-1\charscalex100 (32,767)\tab \up0 \expndtw-1\charscalex100 35,049\t
ab \up0 \expndtw-1\charscalex100 21,504\tab \up0 \expndtw-1\charscalex100 74,136
\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx9993\tx11073 \dn
3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1
to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,897,332
\tab \up0 \expndtw-1\charscalex100 6,200,688\tab \up0 \expndtw-1\charscalex100 9
,164,693\tab \up0 \expndtw-1\charscalex100 11,597,139\tab \up0 \expndtw-1\charsc
alex100 14,408,971\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9138\
tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bi
lls payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 193,
321\tab \up0 \expndtw-1\charscalex100 101,993\tab \up0 \expndtw-1\charscalex100
89,020\tab \up0 \expndtw-1\charscalex100 102,182\tab \up0 \expndtw-1\charscalex1
00 96,417\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10158\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings
from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 21,543\tab \up0 \expndtw-1\charscalex100 27,140\tab \up0 \expndtw-1
\charscalex100 31,328\tab \up0 \expndtw-1\charscalex100 966,885\tab \up0 \expndt
w-1\charscalex100 51,100\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 7,682,468\tab \up0 \expndtw-1\charscalex100 5,939,308\tab \up0 \
expndtw-1\charscalex100 8,756,793\tab \up0 \expndtw-1\charscalex100 10,195,214\t
ab \up0 \expndtw-1\charscalex100 13,814,854\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7278\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 132,247\tab
\up0 \expndtw-1\charscalex100 287,552\tab \up0 \expndtw-1\charscalex100 332,858\
tab \up0 \expndtw-1\charscalex100 446,600\par\pard\li900\sb39\sl-155\slmult0\fi4
4\tx6813\tx7893\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 8,985,576\tab \up0 \expndtw-1\charscalex
100 7,303,721\tab \up0 \expndtw-1\charscalex100 10,258,060\tab \up0 \expndtw-1\c
harscalex100 12,703,160\tab \up0 \expndtw-1\charscalex100 16,128,535\par\pard\li
900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury
banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 809,657\ta
b \up0 \expndtw-1\charscalex100 575,929\tab \up0 \expndtw-1\charscalex100 713,14
0\tab \up0 \expndtw-1\charscalex100 836,311\tab \up0 \expndtw-1\charscalex100 97
3,701\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11
238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with
other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 384,
792\tab \up0 \expndtw-1\charscalex100 400,761\tab \up0 \expndtw-1\charscalex100
586,849\tab \up0 \expndtw-1\charscalex100 600,228\tab \up0 \expndtw-1\charscalex
100 561,555\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\tx1015
8\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending
to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,245,000\tab \up0 \expndtw-1\charscalex100 350,849\tab \up0 \expndtw1\charscalex100 1,136,025\tab \up0 \expndtw-1\charscalex100 926,323\tab \up0 \ex

pndtw-1\charscalex100 1,605,946\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 3,159,640\tab \up0 \expndtw-1\charscalex100 2,264,088\tab \up0 \expndtw1\charscalex100 4,097,423\tab \up0 \expndtw-1\charscalex100 3,430,251\tab \up0 \
expndtw-1\charscalex100 4,730,434\par\pard\li900\sb19\sl-161\slmult0\fi194\tx681
3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 3,129,582\tab \up0 \expndtw-1\charscalex100 3,409,842\tab \up0 \exp
ndtw-1\charscalex100 3,481,854\tab \up0 \expndtw-1\charscalex100 6,535,694\tab \
up0 \expndtw-1\charscalex100 7,901,127\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6978\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 85,282\tab \up0 \expndtw-1\charscalex100 1
05,512\tab \up0 \expndtw-1\charscalex100 207,633\tab \up0 \expndtw-1\charscalex1
00 430,232\tab \up0 \expndtw-1\charscalex100 523,443\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6978\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 66,075\tab \up0 \expndtw-1\charscale
x100 105,512\tab \up0 \expndtw-1\charscalex100 207,633\tab \up0 \expndtw-1\chars
calex100 227,554\tab \up0 \expndtw-1\charscalex100 200,064\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,063,507\tab \up0 \exp
ndtw-1\charscalex100 3,304,330\tab \up0 \expndtw-1\charscalex100 3,274,221\tab \
up0 \expndtw-1\charscalex100 6,308,140\tab \up0 \expndtw-1\charscalex100 7,701,0
63\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 148,686\tab \up0 \ex
pndtw-1\charscalex100 174,833\tab \up0 \expndtw-1\charscalex100 203,972\tab \up0
\expndtw-1\charscalex100 188,248\tab \up0 \expndtw-1\charscalex100 229,344\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 174,294\tab \up0 \ex
pndtw-1\charscalex100 232,931\tab \up0 \expndtw-1\charscalex100 246,430\tab \up0
\expndtw-1\charscalex100 413,659\tab \up0 \expndtw-1\charscalex100 326,492\par\
pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\
tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 685,346\tab \up0 \expndtw-1\charscalex100 736,103\tab
\up0 \expndtw-1\charscalex100 896,476\tab \up0 \expndtw-1\charscalex100 1,374,54
8\tab \up0 \expndtw-1\charscalex100 1,918,759\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 171,694\tab \up0 \expndtw-1\charscalex100 2
12,601\tab \up0 \expndtw-1\charscalex100 408,000\tab \up0 \expndtw-1\charscalex1
00 763,841\tab \up0 \expndtw-1\charscalex100 1,176,451\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 513,652\tab \up0 \expndtw-1\char
scalex100 523,502\tab \up0 \expndtw-1\charscalex100 488,476\tab \up0 \expndtw-1\
charscalex100 610,707\tab \up0 \expndtw-1\charscalex100 742,308\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8058\tx9078\tx10218\tx11373 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,065\tab \up0 \expndtw-1
\charscalex100 50,153\tab \up0 \expndtw-1\charscalex100 179,549\tab \up0 \expndt
w-1\charscalex100 76,899\tab \up0 \expndtw-1\charscalex100 5,475\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after

provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 495,5

87\tab \up0 \expndtw-1\charscalex100 473,349\tab \up0 \expndtw-1\charscalex100 3
08,927\tab \up0 \expndtw-1\charscalex100 533,808\tab \up0 \expndtw-1\charscalex1
00 747,783\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-marku
p/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 82,485\tab \up0 \expndtw-1\charscalex100 90,343\tab \up0 \expndtw-1\charscal
ex100 66,879\tab \up0 \expndtw-1\charscalex100 57,141\tab \up0 \expndtw-1\charsc
alex100 253,719\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx
10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Nonmarkup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 339,650\tab \up0 \expndtw-1\charscalex100 373,249\tab \up0 \expndtw-1
\charscalex100 462,060\tab \up0 \expndtw-1\charscalex100 536,272\tab \up0 \expnd
tw-1\charscalex100 601,399\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 332,517\tab \up0 \expndtw-1\charscalex100 367,798\tab \up0 \expnd
tw-1\charscalex100 451,930\tab \up0 \expndtw-1\charscalex100 533,679\tab \up0 \e
xpndtw-1\charscalex100 600,986\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\t
x7998\tx9090\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 238,422\tab \up0 \expndtw-1\charscalex100 190,443\tab \
up0 \expndtw-1\charscalex100 (86,254)\tab \up0 \expndtw-1\charscalex100 54,677\t
ab \up0 \expndtw-1\charscalex100 400,103\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6918\tx7998\tx9090\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 157,887\tab \up0 \expndtw-1\charscalex100 106
,020\tab \up0 \expndtw-1\charscalex100 (80,101)\tab \up0 \expndtw-1\charscalex10
0 23,711\tab \up0 \expndtw-1\charscalex100 258,547\par\pard\li900\sb14\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other i
tems\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1123
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary
shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 28,365\ta
b \up0 \expndtw-1\charscalex100 28,365\tab \up0 \expndtw-1\charscalex100 28,365\
tab \up0 \expndtw-1\charscalex100 28,365\tab \up0 \expndtw-1\charscalex100 108,0
04\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6918\tx7950\tx8973\tx10110\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activ
ities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 214,391\ta
b \up0 \expndtw-1\charscalex100 (930,303)\tab \up0 \expndtw-1\charscalex100 2,10
8,232\tab \up0 \expndtw-1\charscalex100 (521,807)\tab \up0 \expndtw-1\charscalex
100 1,070,465\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commit
ments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 198,418\tab \up0 \expndtw-1\charscalex100 202,048\tab \up0 \expndtw-1\cha
rscalex100 226,087\tab \up0 \expndtw-1\charscalex100 201,272\tab \up0 \expndtw-1
\charscalex100 297,230\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability rat
ios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/
D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 74.95%\tab \

up0 \expndtw-1\charscalex100 71.12%\tab \up0 \expndtw-1\charscalex100 54.49%\tab

\up0 \expndtw-1\charscalex100 44.43%\tab \up0 \expndtw-1\charscalex100 38.69%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest
margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 5.72%\tab \up0 \expndtw-1\charscalex100 7.17%\tab \up0 \expndtw-1\charscalex10
0 4.76%\tab \up0 \expndtw-1\charscalex100 4.81%\tab \up0 \expndtw-1\charscalex10
0 4.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on eq
uity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0.15\tab \up0 \expndtw-1\charscalex100 0.09\tab \up0 \expndtw-1\charscalex100
-0.08\tab \up0 \expndtw-1\charscalex100 0.02\tab \up0 \expndtw-1\charscalex100
0.16\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx10278\tx113
58 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on asset
s (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.76%\tab \up0 \expndtw-1\charscalex100 1.45%\tab \up0 \expndtw-1\charscalex100
-0.78%\tab \up0 \expndtw-1\charscalex100 0.19%\tab \up0 \expndtw-1\charscalex100
1.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx1
1358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/in
terest income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.92%\tab \up0 \expndtw-1\charscalex100 1.24%\tab \up0
\expndtw-1\charscalex100 0.65%\tab \up0 \expndtw-1\charscalex100 0.45%\tab \up0
\expndtw-1\charscalex100 1.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\t
x8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 6.Net markup/interest income(after prov.) to total assets(D5/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.52%\tab \up0 \expnd
tw-1\charscalex100 6.48%\tab \up0 \expndtw-1\charscalex100 3.01%\tab \up0 \expnd
tw-1\charscalex100 4.20%\tab \up0 \expndtw-1\charscalex100 4.64%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/i
nterest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 25.05%\tab \up0 \expndtw-1\charscalex100 28.88%\tab \up0 \expndtw-1\cha
rscalex100 45.51%\tab \up0 \expndtw-1\charscalex100 55.57%\tab \up0 \expndtw-1\c
harscalex100 61.31%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx924
0\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.
Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1.39\tab \up0 \expndtw-1\charscalex100 1.93
\tab \up0 \expndtw-1\charscalex100 -5.24\tab \up0 \expndtw-1\charscalex100 9.76\
tab \up0 \expndtw-1\charscalex100 1.50\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.23%\tab \up0 \exp
ndtw-1\charscalex100 45.16%\tab \up0 \expndtw-1\charscalex100 47.96%\tab \up0 \e
xpndtw-1\charscalex100 37.46%\tab \up0 \expndtw-1\charscalex100 27.68%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup
/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 4.03\tab \up0 \expndtw-1\charscalex100 4.07\tab \up0 \expndtw
-1\charscalex100 6.76\tab \up0 \expndtw-1\charscalex100 9.34\tab \up0 \expndtw-1
\charscalex100 2.37\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx924
0\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11
.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 5.57\tab \up0 \expndtw-1\charscalex100 3.74\tab \up0 \expndtw-1\char
scalex100 -2.82\tab \up0 \expndtw-1\charscalex100 0.84\tab \up0 \expndtw-1\chars
calex100 2.39\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\s
lmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.29%\tab \up0
\expndtw-1\charscalex100 13.37%\tab \up0 \expndtw-1\charscalex100 12.67%\tab \u

p0 \expndtw-1\charscalex100 11.31%\tab \up0 \expndtw-1\charscalex100 9.52%\par\p

ard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total asset
s (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35.16%\
tab \up0 \expndtw-1\charscalex100 31.00%\tab \up0 \expndtw-1\charscalex100 39.94
%\tab \up0 \expndtw-1\charscalex100 27.00%\tab \up0 \expndtw-1\charscalex100 29.
33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of
provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 34.09%\tab \up0 \expndtw-1\charscalex100 45.24%\tab \up0 \expn
dtw-1\charscalex100 31.92%\tab \up0 \expndtw-1\charscalex100 49.66%\tab \up0 \ex
pndtw-1\charscalex100 47.75%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 85.50%\tab \up0 \expndtw-1\charscalex100 81.32%\tab \up0
\expndtw-1\charscalex100 85.37%\tab \up0 \expndtw-1\charscalex100 80.26%\tab \u
p0 \expndtw-1\charscalex100 85.65%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx697
8\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 87.89%\tab \up0 \expndtw-1\charscalex100 8
4.90%\tab \up0 \expndtw-1\charscalex100 89.34%\tab \up0 \expndtw-1\charscalex100
91.29%\tab \up0 \expndtw-1\charscalex100 89.34%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40.74%\tab \up0 \expndtw-1\chars
calex100 57.41%\tab \up0 \expndtw-1\charscalex100 39.76%\tab \up0 \expndtw-1\cha
rscalex100 64.11%\tab \up0 \expndtw-1\charscalex100 57.19%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/
(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40.62%\t
ab \up0 \expndtw-1\charscalex100 57.15%\tab \up0 \expndtw-1\charscalex100 39.62%
\tab \up0 \expndtw-1\charscalex100 58.55%\tab \up0 \expndtw-1\charscalex100 56.9
8%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0
\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.73%\tab \up0 \expndtw1\charscalex100 3.09%\tab \up0 \expndtw-1\charscalex100 5.96%\tab \up0 \expndtw1\charscalex100 6.58%\tab \up0 \expndtw-1\charscalex100 6.62%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10278\tx11358 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gross advan
ces (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex10
0 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 3.48%\tab \up0 \expndtw-1\charscalex100 2.53%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C
6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.29%\tab \
up0 \expndtw-1\charscalex100 9.29%\tab \up0 \expndtw-1\charscalex100 19.62%\tab
\up0 \expndtw-1\charscalex100 39.67%\tab \up0 \expndtw-1\charscalex100 31.81%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs
provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 27.34%\tab \up0 \expndtw-1\charscalex100 47.53%\tab \up0 \expndtw-1\charscal
ex100 86.47%\tab \up0 \expndtw-1\charscalex100 33.79%\tab \up0 \expndtw-1\charsc
alex100 2.74%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9063\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provis
ion against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 77.48%\tab \up0 \expndtw-1\charscalex100 100.00%\tab \up0 \expnd
tw-1\charscalex100 100.00%\tab \up0 \expndtw-1\charscalex100 52.89%\tab \up0 \ex
pndtw-1\charscalex100 38.22%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expnd

tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\

pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10278\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.44%\tab \up0 \expn
dtw-1\charscalex100 15.55%\tab \up0 \expndtw-1\charscalex100 10.32%\tab \up0 \ex
pndtw-1\charscalex100 8.54%\tab \up0 \expndtw-1\charscalex100 10.20%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to
total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0.19\tab \up0 \expndtw-1\charscalex100 0.18\tab \up0 \expndtw-1\char
scalex100 0.21\tab \up0 \expndtw-1\charscalex100 0.19\tab \up0 \expndtw-1\charsc
alex100 0.18\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx103
23\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break u
p value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 36.25\tab \up0 \expndtw-1\charscalex100 40.04\tab \up0 \expndtw-1\chars
calex100 37.31\tab \up0 \expndtw-1\charscalex100 38.23\tab \up0 \expndtw-1\chars
calex100 15.23\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1
0383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total
deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 7.47\tab \up0 \expndtw-1\charscalex100 5.23\tab \up0 \ex
pndtw-1\charscalex100 8.27\tab \up0 \expndtw-1\charscalex100 9.40\tab \up0 \expn
dtw-1\charscalex100 8.40\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb
8\sl-161\slmult0\fi0\tx7143\tx8160\tx9164\tx10244\tx11463 \dn2 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities
to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 1.36\tab \up0 \expndtw-1\charscalex100 -8.77\tab \up0 \expn
dtw-1\charscalex100 -26.32\tab \up0 \expndtw-1\charscalex100 -22.01\tab \up0 \ex
pndtw-1\charscalex100 4.14\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\l
i6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6
127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 30
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lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 NATIONAL BANK OF PAKISTAN\tab \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slm
ult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2
\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\c
harscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\t
x9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tota
l equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 69,270,631\tab \up0 \expndtw-1\charscalex100 81,367,002\tab \up0 \expndtw-1\
charscalex100 95,855,355\tab \up0 \expndtw-1\charscalex100 105,687,665\tab \up0
\expndtw-1\charscalex100 112,736,906\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6
813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 8,154,319\tab \up0 \expndtw-1\charscalex100 8,969,751\tab \up0 \exp
ndtw-1\charscalex100 10,763,702\tab \up0 \expndtw-1\charscalex100 13,454,629\tab
\up0 \expndtw-1\charscalex100 16,818,286\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 15,772,124\tab \up0 \expndtw-1\charscalex100 19,941,047\tab \up0 \
expndtw-1\charscalex100 23,395,059\tab \up0 \expndtw-1\charscalex100 25,129,425\
tab \up0 \expndtw-1\charscalex100 26,206,507\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 45,344,188\tab \up0 \expndtw-1\charscalex100 52,4
56,204\tab \up0 \expndtw-1\charscalex100 61,696,594\tab \up0 \expndtw-1\charscal
ex100 67,103,611\tab \up0 \expndtw-1\charscalex100 69,712,113\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 47,067,023\tab \up0 \expndtw-1\charscalex100 21,
092,216\tab \up0 \expndtw-1\charscalex100 24,937,197\tab \up0 \expndtw-1\charsca
lex100 25,611,167\tab \up0 \expndtw-1\charscalex100 23,057,503\par\pard\li900\sb
39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10893 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 645,855,939\tab \up0 \expnd
tw-1\charscalex100 715,299,108\tab \up0 \expndtw-1\charscalex100 825,460,717\tab
\up0 \expndtw-1\charscalex100 906,719,635\tab \up0 \expndtw-1\charscalex100 1,0
17,685,691\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills paya
ble\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,061,902\ta
b \up0 \expndtw-1\charscalex100 10,219,061\tab \up0 \expndtw-1\charscalex100 10,
621,169\tab \up0 \expndtw-1\charscalex100 8,006,631\tab \up0 \expndtw-1\charscal
ex100 9,104,710\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx
9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borro
wings from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 10,886,063\tab \up0 \expndtw-1\charscalex100 40,458,926\tab \u
p0 \expndtw-1\charscalex100 44,828,138\tab \up0 \expndtw-1\charscalex100 19,657,

207\tab \up0 \expndtw-1\charscalex100 26,371,675\par\pard\li900\sb19\sl-161\slmu

lt0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 591,907,435\tab \up0 \expndtw-1\charscal
ex100 624,939,016\tab \up0 \expndtw-1\charscalex100 727,513,013\tab \up0 \expndt
w-1\charscalex100 832,134,054\tab \up0 \expndtw-1\charscalex100 927,415,132\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 36,000,539\tab \u
p0 \expndtw-1\charscalex100 39,682,105\tab \up0 \expndtw-1\charscalex100 42,498,
397\tab \up0 \expndtw-1\charscalex100 46,921,743\tab \up0 \expndtw-1\charscalex1
00 54,794,174\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx981
3\tx10893 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total as
sets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 762,193,593\tab \up0 \expndtw-1\charscalex100 817,758,326\tab \up0 \
expndtw-1\charscalex100 946,253,269\tab \up0 \expndtw-1\charscalex100 1,038,018,
467\tab \up0 \expndtw-1\charscalex100 1,153,480,100\par\pard\li900\sb6\sl-161\sl
mult0\fi194\tx6753\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 94,873,249\tab \up0 \expndtw
-1\charscalex100 106,503,756\tab \up0 \expndtw-1\charscalex100 116,668,514\tab \
up0 \expndtw-1\charscalex100 115,657,025\tab \up0 \expndtw-1\charscalex100 131,8
43,291\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11
073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with
other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 37,4
72,832\tab \up0 \expndtw-1\charscalex100 38,344,608\tab \up0 \expndtw-1\charscal
ex100 28,786,397\tab \up0 \expndtw-1\charscalex100 30,743,368\tab \up0 \expndtw1\charscalex100 28,069,897\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx783
3\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 21,464,600\tab \up0 \expndtw-1\charscalex100 17,128,032\
tab \up0 \expndtw-1\charscalex100 19,683,526\tab \up0 \expndtw-1\charscalex100 2
3,051,171\tab \up0 \expndtw-1\charscalex100 44,360,727\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 210,787,868\tab \up0 \expndtw-1\charscalex100 170,
822,491\tab \up0 \expndtw-1\charscalex100 217,596,037\tab \up0 \expndtw-1\charsc
alex100 301,078,498\tab \up0 \expndtw-1\charscalex100 319,527,254\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 375,090,202\tab \up0 \expndtw-1\char
scalex100 457,828,029\tab \up0 \expndtw-1\charscalex100 531,103,507\tab \up0 \ex
pndtw-1\charscalex100 540,130,378\tab \up0 \expndtw-1\charscalex100 594,588,647\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performi
ng/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38
,317,552\tab \up0 \expndtw-1\charscalex100 56,502,583\tab \up0 \expndtw-1\charsc
alex100 71,174,034\tab \up0 \expndtw-1\charscalex100 86,871,353\tab \up0 \expndt
w-1\charscalex100 88,324,597\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7
833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 34,413,102\tab \up0 \expndtw-1\charscalex100 44,841,164\tab \
up0 \expndtw-1\charscalex100 55,765,068\tab \up0 \expndtw-1\charscalex100 61,243
,623\tab \up0 \expndtw-1\charscalex100 67,479,438\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 340,677,100\tab \up0 \expndtw-1\c
harscalex100 412,986,865\tab \up0 \expndtw-1\charscalex100 475,338,439\tab \up0
\expndtw-1\charscalex100 478,886,755\tab \up0 \expndtw-1\charscalex100 527,109,2
09\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073

\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \

up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25,922,979\tab \up0 \
expndtw-1\charscalex100 24,217,655\tab \up0 \expndtw-1\charscalex100 25,200,870\
tab \up0 \expndtw-1\charscalex100 27,620,697\tab \up0 \expndtw-1\charscalex100 2
8,126,754\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\t
x11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc
. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30,994,
965\tab \up0 \expndtw-1\charscalex100 47,754,919\tab \up0 \expndtw-1\charscalex1
00 62,979,486\tab \up0 \expndtw-1\charscalex100 60,980,953\tab \up0 \expndtw-1\c
harscalex100 74,442,968\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li9
00\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50,569,481\tab \up0 \expndt
w-1\charscalex100 60,942,798\tab \up0 \expndtw-1\charscalex100 78,124,796\tab \u
p0 \expndtw-1\charscalex100 88,681,381\tab \up0 \expndtw-1\charscalex100 95,689,
741\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest
expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,940
,011\tab \up0 \expndtw-1\charscalex100 23,884,768\tab \up0 \expndtw-1\charscalex
100 40,448,291\tab \up0 \expndtw-1\charscalex100 45,169,744\tab \up0 \expndtw-1\
charscalex100 48,516,517\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\
tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 33,629,470\tab \up0 \expndtw-1\charscalex100 37,058,030\tab \up
0 \expndtw-1\charscalex100 37,676,505\tab \up0 \expndtw-1\charscalex100 43,511,6
37\tab \up0 \expndtw-1\charscalex100 47,173,224\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6813\tx7833\tx8913\tx9993\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 4,722,735\tab \up0 \expndtw-1\charscalex100
10,970,814\tab \up0 \expndtw-1\charscalex100 11,820,292\tab \up0 \expndtw-1\cha
rscalex100 10,009,482\tab \up0 \expndtw-1\charscalex100 9,358,165\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after
provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 28,90
6,735\tab \up0 \expndtw-1\charscalex100 26,087,216\tab \up0 \expndtw-1\charscale
x100 25,856,213\tab \up0 \expndtw-1\charscalex100 33,502,155\tab \up0 \expndtw-1
\charscalex100 37,815,059\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833
\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 13,544,845\tab \up0 \expndtw-1\charscalex100 16,415,862\tab \u
p0 \expndtw-1\charscalex100 19,109,332\tab \up0 \expndtw-1\charscalex100 18,150,
883\tab \up0 \expndtw-1\charscalex100 19,754,420\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 14,391,079\tab \up0 \expndtw-1\charsc
alex100 19,502,080\tab \up0 \expndtw-1\charscalex100 23,766,703\tab \up0 \expndt
w-1\charscalex100 27,030,751\tab \up0 \expndtw-1\charscalex100 26,116,002\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,205,911\tab \up0
\expndtw-1\charscalex100 18,171,198\tab \up0 \expndtw-1\charscalex100 22,816,66
5\tab \up0 \expndtw-1\charscalex100 26,732,045\tab \up0 \expndtw-1\charscalex100
30,760,815\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993
\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(l
oss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 28,060,501\tab \up0 \expndtw-1\charscalex100 23,000,998\tab \up0 \expndtw-1
\charscalex100 21,198,842\tab \up0 \expndtw-1\charscalex100 24,622,287\tab \up0
\expndtw-1\charscalex100 26,116,002\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c

f51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \

ul0\nosupersub\cf56\f57\fs12 19,033,773\tab \up0 \expndtw-1\charscalex100 15,458
,590\tab \up0 \expndtw-1\charscalex100 17,449,042\tab \up0 \expndtw-1\charscalex
100 17,738,405\tab \up0 \expndtw-1\charscalex100 17,709,165\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx100
53\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of
ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
815,432\tab \up0 \expndtw-1\charscalex100 896,975\tab \up0 \expndtw-1\charscalex
100 1,076,370\tab \up0 \expndtw-1\charscalex100 1,345,463\tab \up0 \expndtw-1\ch
arscalex100 1,681,829\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9
093\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.75%\tab \up0 \expndtw-1\charscalex100 65.00%\tab \up0 \expndtw-1\charscalex100
75.00%\tab \up0 \expndtw-1\charscalex100 0.75%\tab \up0 \expndtw-1\charscalex10
0 0.75%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9093\tx10248\tx
11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock divide
nd/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.10%\tab \up0 \expndtw-1\charscalex100 20.00%\tab \up0 \expndtw-1\charscalex100
25.00%\tab \up0 \expndtw-1\charscalex100 0.25%\tab \up0 \expndtw-1\charscalex10
0 0.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx9993\tx1
1073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generate
d from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 78,804,419\tab \up0 \expndtw-1\charscalex100 2,532,681\tab \up0 \exp
ndtw-1\charscalex100 40,806,019\tab \up0 \expndtw-1\charscalex100 92,320,340\tab
\up0 \expndtw-1\charscalex100 41,185,585\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 385,849,667\tab \up0 \expndtw-1\charscalex100
241,861,468\tab \up0 \expndtw-1\charscalex100 236,732,608\tab \up0 \expndtw-1\ch
arscalex100 405,881,788\tab \up0 \expndtw-1\charscalex100 520,889,244\par\pard\l
i900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 66.50%\tab \up0 \expndtw-1\charscalex100 60.8
1%\tab \up0 \expndtw-1\charscalex100 48.23%\tab \up0 \expndtw-1\charscalex100 49
.07%\tab \up0 \expndtw-1\charscalex100 49.30%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.41%\tab \up0 \expndtw-1\chars
calex100 4.53%\tab \up0 \expndtw-1\charscalex100 3.98%\tab \up0 \expndtw-1\chars
calex100 4.19%\tab \up0 \expndtw-1\charscalex100 4.09%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.27\tab \up0 \expndtw-1\chars
calex100 0.19\tab \up0 \expndtw-1\charscalex100 0.18\tab \up0 \expndtw-1\charsca
lex100 0.17\tab \up0 \expndtw-1\charscalex100 0.16\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.50%\tab \up0 \expndtw-1\charscal
ex100 1.89%\tab \up0 \expndtw-1\charscalex100 1.84%\tab \up0 \expndtw-1\charscal
ex100 1.71%\tab \up0 \expndtw-1\charscalex100 1.54%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets (
D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.78%\tab
\up0 \expndtw-1\charscalex100 2.01%\tab \up0 \expndtw-1\charscalex100 2.02%\tab
\up0 \expndtw-1\charscalex100 1.75%\tab \up0 \expndtw-1\charscalex100 1.71%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest in

come(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\n

osupersub\cf56\f57\fs12 3.79%\tab \up0 \expndtw-1\charscalex100 3.19%\tab \up0 \
expndtw-1\charscalex100 2.73%\tab \up0 \expndtw-1\charscalex100 3.23%\tab \up0 \
expndtw-1\charscalex100 3.28%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 33.50%\tab \up0 \expndtw-1
\charscalex100 39.19%\tab \up0 \expndtw-1\charscalex100 51.77%\tab \up0 \expndtw
-1\charscalex100 50.93%\tab \up0 \expndtw-1\charscalex100 50.70%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax
. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.51\tab \up0 \expndtw-1\charscalex100 0.79\tab \up0 \expndtw-1\charscalex100
1.08\tab \up0 \expndtw-1\charscalex100 1.09\tab \up0 \expndtw-1\charscalex100 1.
18\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/intere
st expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 22.45%\tab \up0 \expndtw-1\charscalex100 25.21%\tab \up0
\expndtw-1\charscalex100 24.44%\tab \up0 \expndtw-1\charscalex100 25.30%\tab \u
p0 \expndtw-1\charscalex100 22.62%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx71
43\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.05\tab \up0 \ex
pndtw-1\charscalex100 1.11\tab \up0 \expndtw-1\charscalex100 1.19\tab \up0 \expn
dtw-1\charscalex100 1.47\tab \up0 \expndtw-1\charscalex100 1.56\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23.34\tab \up0 \expndtw1\charscalex100 17.23\tab \up0 \expndtw-1\charscalex100 16.21\tab \up0 \expndtw1\charscalex100 13.18\tab \up0 \expndtw-1\charscalex100 10.53\par\pard\li900\sb1
4\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 17.36%\tab \up0 \expndtw-1\charscalex100 17.71%
\tab \up0 \expndtw-1\charscalex100 15.37%\tab \up0 \expndtw-1\charscalex100 14.1
0%\tab \up0 \expndtw-1\charscalex100 13.86%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 27.66%\tab \up0 \expndtw-1\charscalex1
00 20.89%\tab \up0 \expndtw-1\charscalex100 23.00%\tab \up0 \expndtw-1\charscale
x100 29.01%\tab \up0 \expndtw-1\charscalex100 27.70%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.70%\tab \u
p0 \expndtw-1\charscalex100 50.50%\tab \up0 \expndtw-1\charscalex100 50.23%\tab
\up0 \expndtw-1\charscalex100 46.13%\tab \up0 \expndtw-1\charscalex100 45.70%\pa
r\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total asset
s (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.66%\
tab \up0 \expndtw-1\charscalex100 76.42%\tab \up0 \expndtw-1\charscalex100 76.88
%\tab \up0 \expndtw-1\charscalex100 80.17%\tab \up0 \expndtw-1\charscalex100 80.
40%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities
to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 84.74%\tab \up0 \expndtw-1\charscalex100 87.47%\tab \up0 \expndtw-1\chars
calex100 87.23%\tab \up0 \expndtw-1\charscalex100 87.35%\tab \up0 \expndtw-1\cha
rscalex100 88.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gr
oss advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers

ub\cf56\f57\fs12 63.37%\tab \up0 \expndtw-1\charscalex100 73.26%\tab \up0 \expnd

tw-1\charscalex100 73.00%\tab \up0 \expndtw-1\charscalex100 64.91%\tab \up0 \exp
ndtw-1\charscalex100 64.11%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 62.23%\tab \up0 \expndtw-1\charscalex10
0 68.81%\tab \up0 \expndtw-1\charscalex100 68.77%\tab \up0 \expndtw-1\charscalex
100 63.41%\tab \up0 \expndtw-1\charscalex100 62.34%\par\pard\li900\sb15\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets
quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-p
erforming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 10.22%\tab \up0 \expndtw-1\charscalex100 12.34%\tab \up
0 \expndtw-1\charscalex100 13.40%\tab \up0 \expndtw-1\charscalex100 16.08%\tab \
up0 \expndtw-1\charscalex100 14.85%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
304\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 9.79%\tab \up0 \expndtw-1\charscalex100 10.50%\tab \up0 \expndtw-1\charsca
lex100 11.34%\tab \up0 \expndtw-1\charscalex100 11.35%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55.32%\tab \up0 \expndtw-1
\charscalex100 69.44%\tab \up0 \expndtw-1\charscalex100 74.25%\tab \up0 \expndtw
-1\charscalex100 82.20%\tab \up0 \expndtw-1\charscalex100 78.35%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (
D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.72%\ta
b \up0 \expndtw-1\charscalex100 24.47%\tab \up0 \expndtw-1\charscalex100 21.20%\
tab \up0 \expndtw-1\charscalex100 16.34%\tab \up0 \expndtw-1\charscalex100 13.87
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against
NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 89.81%\tab \up0 \expndtw-1\charscalex100 79.36%\tab \up0 \expndtw-1\charscal
ex100 78.35%\tab \up0 \expndtw-1\charscalex100 70.50%\tab \up0 \expndtw-1\charsc
alex100 76.40%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1
\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11358 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.09%\tab \up0 \expndtw-1\charscale
x100 9.95%\tab \up0 \expndtw-1\charscalex100 10.13%\tab \up0 \expndtw-1\charscal
ex100 10.18%\tab \up0 \expndtw-1\charscalex100 9.77%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5
/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.57
\tab \up0 \expndtw-1\charscalex100 2.97\tab \up0 \expndtw-1\charscalex100 2.47\t
ab \up0 \expndtw-1\charscalex100 3.84\tab \up0 \expndtw-1\charscalex100 4.62\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per shar
e (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 84.95\t
ab \up0 \expndtw-1\charscalex100 90.71\tab \up0 \expndtw-1\charscalex100 89.05\t
ab \up0 \expndtw-1\charscalex100 78.55\tab \up0 \expndtw-1\charscalex100 67.03\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to tota
l equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 8.54\tab \up0 \expndtw-1\charscalex100 7.68\tab \up0 \expndtw-1\charscal
ex100 7.59\tab \up0 \expndtw-1\charscalex100 7.87\tab \up0 \expndtw-1\charscalex
100 8.23\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0
\fi0\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nos

upersub\cf51\f52\fs14 1.Cash generated from opration activities to profit after

tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 4.14\tab \up0 \expndtw-1\charscalex100 0.16\tab \up0 \expndtw-1\charscalex1
00 2.34\tab \up0 \expndtw-1\charscalex100 5.20\tab \up0 \expndtw-1\charscalex100
2.33\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmu
lt0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\slmul
t0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 31
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g40}{\bkmkend Pg40}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SINDH BANK LTD.\tab \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\
tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf55\f56\fs18 Item
s\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f55\fs16 2010\tab \up0
\expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx10544\tx
11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,749,561\par\par
d\li900\sb0\sl-161\slmult0\fi194\tx10544\tx11073 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Share capital\tab \dn2 \expndtw-2\charscalex100 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,000,000\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11238 \dn2 \expndtw-2\charscalex1

00 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \dn2 \expndtw-2\charscalex100 -\

tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 149,912\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11238 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 599,64
9\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11250 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \dn2 \expndtw-2\charscalex10
0 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (86,548)\par
\pard\li900\sb39\sl-155\slmult0\fi44\tx10544\tx11073 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 37,067,110\par\pard\li900\sb6\sl-161\slmult0\fi
194\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Bills payable\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 42,251\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx10544\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Borrowings from financial institutions\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,012,647\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11073 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
3,517,740\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11238 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \dn
2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 494,472\par\pard\li900\sb39\sl-155\slmult0\fi44\tx10544\tx11073 \dn
3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C
4 + C8 to C10)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47,730,123\par\
pard\li900\sb6\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,655,815\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11238 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other
banks\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 243,519\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10
544\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lendin
g to financial institutions\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,905,410\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx10544\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.Investments\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26,081,535\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Gross advances\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,259,330\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx10544\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11598 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7
)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 7,259,330\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed ass
ets\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 584,054\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/mi
sc. assets\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1,000,460\par\pard\li900\sb14\sl-184\slmult0\fi44

\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss acc

ount\par\pard\li900\sb1\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 3,704,280\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expense
d\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 2,241,345\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net marku
p/interest income\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 1,462,935\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Provisions and write-offs\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31,382\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1,431,553\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11238 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest in
come\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 222,183\par\pard\li900\sb19\sl-161\slmult0\fi194\tx1054
4\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-mark
up/interest expenses\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 513,773\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx10544\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 8.Administrative expenses\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 513,773\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \dn2 \expndtw-2\charscale
x100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,139,963
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11238 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \dn2 \
expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 749,561\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\sl
mult0\fi194\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.No. of ordinary shares\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,000,000\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx10544\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Cash dividend\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx10544\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \dn2 \expndtw-2\charscalex1
00 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11073 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \
dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 18,654,331\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx110
73 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and
contigencies\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 25,311,295\par\pard\li900\sb14\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ra
tios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx10544\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3
/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 39.49%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544
\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net marku
p/interest margin (D1-D2)/C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.07%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx10544\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c

f51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \dn2 \expndtw-2\charscalex100

-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.07\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx10544\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \dn2 \expndtw-2
\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11358 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to to
tal assets (D6/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 0.47%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx10544\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 6.Net markup/interest income(after prov.) to total assets(D5/C)\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 3.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to
markup/interest income (D2/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 60.51%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx10544\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \dn
2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 0.45\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest e
xpense to total income D7/(D1+D6)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.08%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx10544\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (tim
es)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 2.31\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per
share (D10/E1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 0.75\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\
par\pard\li900\sb0\sl-161\slmult0\fi194\tx10544\tx11357 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1
+C2)/C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 3.98%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx1054
4\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investme
nt to total assets (C4/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54.64%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx10544\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 15.21%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx10544\tx11297 \dn3 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\t
ab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49.27%\par\pard\li900\sb6\sl-16
1\slmult0\fi194\tx10544\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.66%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11297 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \
dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 30.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11297 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to b
orrowing & deposit C5/(B2+B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.87%\par\pard\li900\sb15\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.A
ssets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx10544\tx11357 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan t
o gross advances (C6/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\par\pard\li900\sb19\sl-161\sl

mult0\fi194\tx10544\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f

52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11357 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx116
24 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off
to NPLs provisions (D4/C7)\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw
-2\charscalex100 -\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11624 \up0
\expndtw-2\charscalex100 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\par\pard\li900\sb14\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.
Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx10544\tx11297
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/
C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 22.52%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\t
x11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments
& contingencies to total equity (E5/A) (times)\tab \dn2 \expndtw-2\charscalex10
0 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.35\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11403 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 10.75\par\pard\li900\sb19\sl-161\slmult0\fi194\tx10544\tx11463 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (
B3/A) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2.19\par\pard\ql \li944\sb7\sl-184\slmult0 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\
pard\li1094\sb8\sl-161\slmult0\fi0\tx10544\tx11403 \dn2 \expndtw-1\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities to prof
it after tax (E4/D10) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.89\par\pard\ql \li6127\sb0\
sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl
-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 32
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g41}{\bkmkend Pg41}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 THE BANK OF KHYBER\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi
90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54
\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsc
alex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscal
ex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,
568,253\tab \up0 \expndtw-1\charscalex100 5,677,816\tab \up0 \expndtw-1\charscal
ex100 5,040,633\tab \up0 \expndtw-1\charscalex100 5,604,119\tab \up0 \expndtw-1\
charscalex100 9,700,427\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx
8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
4,002,984\tab \up0 \expndtw-1\charscalex100 4,002,984\tab \up0 \expndtw-1\chars
calex100 5,004,001\tab \up0 \expndtw-1\charscalex100 5,004,001\tab \up0 \expndtw
-1\charscalex100 8,228,001\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx789
3\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1,323,077\tab \up0 \expndtw-1\charscalex100 1,436,359\tab \up0 \expndtw-1\charsc
alex100 435,342\tab \up0 \expndtw-1\charscalex100 548,039\tab \up0 \expndtw-1\ch
arscalex100 722,501\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx903
0\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 242,192\tab \up0 \expndtw-1\charscalex100 238,473\tab \up0 \expndtw-1\cha
rscalex100 (398,710)\tab \up0 \expndtw-1\charscalex100 52,079\tab \up0 \expndtw1\charscalex100 749,925\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7950\t
x9078\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 307,9
77\tab \up0 \expndtw-1\charscalex100 (996,600)\tab \up0 \expndtw-1\charscalex100
921,664\tab \up0 \expndtw-1\charscalex100 3,796,254\tab \up0 \expndtw-1\charsca
lex100 665,067\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx99
93\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total l
iabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 23,863,487\tab \up0 \expndtw-1\charscalex100 26,657,773\tab \up0 \expndtw-1
\charscalex100 32,848,273\tab \up0 \expndtw-1\charscalex100 41,393,930\tab \up0
\expndtw-1\charscalex100 58,058,972\par\pard\li900\sb6\sl-161\slmult0\fi194\tx69
18\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 348,952\tab \up0 \expndtw-1\charscalex100 122,516\tab \up0 \expndtw
-1\charscalex100 229,973\tab \up0 \expndtw-1\charscalex100 280,665\tab \up0 \exp
ndtw-1\charscalex100 281,292\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7
998\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Borrowings from financial institutions\tab \up0 \expndtw-1\charscalex10

0 \ul0\nosupersub\cf56\f57\fs12 1,321,396\tab \up0 \expndtw-1\charscalex100 910,

691\tab \up0 \expndtw-1\charscalex100 5,147,036\tab \up0 \expndtw-1\charscalex10
0 2,894,759\tab \up0 \expndtw-1\charscalex100 10,391,732\par\pard\li900\sb19\sl161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,410,828\tab \up0 \expndtw-1\c
harscalex100 24,732,195\tab \up0 \expndtw-1\charscalex100 26,285,794\tab \up0 \e
xpndtw-1\charscalex100 36,981,351\tab \up0 \expndtw-1\charscalex100 45,548,423\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabiliti
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 782,311\tab \
up0 \expndtw-1\charscalex100 892,371\tab \up0 \expndtw-1\charscalex100 1,185,470
\tab \up0 \expndtw-1\charscalex100 1,237,155\tab \up0 \expndtw-1\charscalex100 1
,837,525\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx1
1073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets
(C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 29,739,717\tab \up0 \expndtw-1\charscalex100 31,338,989\tab \up0 \expndtw
-1\charscalex100 38,810,570\tab \up0 \expndtw-1\charscalex100 50,794,303\tab \up
0 \expndtw-1\charscalex100 68,424,466\par\pard\li900\sb6\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1,364,853\tab \up0 \expndtw-1\charscalex1
00 1,557,715\tab \up0 \expndtw-1\charscalex100 1,542,102\tab \up0 \expndtw-1\cha
rscalex100 5,079,720\tab \up0 \expndtw-1\charscalex100 2,802,781\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,728,016\tab \up0 \expnd
tw-1\charscalex100 3,362,946\tab \up0 \expndtw-1\charscalex100 2,403,698\tab \up
0 \expndtw-1\charscalex100 1,502,684\tab \up0 \expndtw-1\charscalex100 1,527,561
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financia
l institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
,858,000\tab \up0 \expndtw-1\charscalex100 2,282,494\tab \up0 \expndtw-1\charsca
lex100 1,810,846\tab \up0 \expndtw-1\charscalex100 2,562,093\tab \up0 \expndtw-1
\charscalex100 1,800,566\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\
tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
8,945,856\tab \up0 \expndtw-1\charscalex100 8,985,441\tab \up0 \expndtw-1\charsc
alex100 17,925,911\tab \up0 \expndtw-1\charscalex100 19,852,730\tab \up0 \expndt
w-1\charscalex100 36,684,689\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7
833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 12,174,026\tab \up0 \expndtw-1\charscalex100 14,925,119\tab \up0 \expndtw
-1\charscalex100 14,820,746\tab \up0 \expndtw-1\charscalex100 21,272,033\tab \up
0 \expndtw-1\charscalex100 25,284,711\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 2,301,268\tab \up0 \expndtw-1\charscalex100
3,331,487\tab \up0 \expndtw-1\charscalex100 4,457,159\tab \up0 \expndtw-1\chars
calex100 4,117,581\tab \up0 \expndtw-1\charscalex100 3,938,731\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,088,386\tab \up0 \expndt
w-1\charscalex100 2,281,305\tab \up0 \expndtw-1\charscalex100 2,984,784\tab \up0
\expndtw-1\charscalex100 3,033,700\tab \up0 \expndtw-1\charscalex100 2,996,912\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provi
sion (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,
085,640\tab \up0 \expndtw-1\charscalex100 12,643,814\tab \up0 \expndtw-1\charsca
lex100 11,835,962\tab \up0 \expndtw-1\charscalex100 18,238,333\tab \up0 \expndtw

-1\charscalex100 22,287,799\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx79
98\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 213,025\tab \up0 \expndtw-1\charscalex100 187,589\tab \up0 \expndtw-1\chars
calex100 1,013,670\tab \up0 \expndtw-1\charscalex100 1,121,554\tab \up0 \expndtw
-1\charscalex100 1,301,822\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx789
3\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 2,544,327\tab \up0 \expndtw-1\charscalex100 2,318,990\tab \up0 \expnd
tw-1\charscalex100 2,278,381\tab \up0 \expndtw-1\charscalex100 2,437,189\tab \up
0 \expndtw-1\charscalex100 2,019,248\par\pard\li900\sb14\sl-184\slmult0\fi44 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account
\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earn
ed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,380,380\tab
\up0 \expndtw-1\charscalex100 2,958,865\tab \up0 \expndtw-1\charscalex100 3,390
,014\tab \up0 \expndtw-1\charscalex100 4,207,155\tab \up0 \expndtw-1\charscalex1
00 6,946,827\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx100
53\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/
interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 1,845,360\tab \up0 \expndtw-1\charscalex100 1,897,816\tab \up0 \expndtw-1\ch
arscalex100 2,390,388\tab \up0 \expndtw-1\charscalex100 2,925,066\tab \up0 \expn
dtw-1\charscalex100 4,551,942\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx
7893\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 535,020\tab \up0 \expndtw-1\charscalex100 1,061,049\tab \
up0 \expndtw-1\charscalex100 999,626\tab \up0 \expndtw-1\charscalex100 1,282,089
\tab \up0 \expndtw-1\charscalex100 2,394,885\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6918\tx7998\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 659,384\tab \up0 \expndtw-1\charscalex100 238
,593\tab \up0 \expndtw-1\charscalex100 1,261,819\tab \up0 \expndtw-1\charscalex1
00 322,766\tab \up0 \expndtw-1\charscalex100 244,624\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6870\tx7998\tx9030\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisions\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (124,364)\tab \up
0 \expndtw-1\charscalex100 822,456\tab \up0 \expndtw-1\charscalex100 (262,193)\t
ab \up0 \expndtw-1\charscalex100 1,604,855\tab \up0 \expndtw-1\charscalex100 2,1
50,261\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx1
1238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/in
terest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
745,552\tab \up0 \expndtw-1\charscalex100 339,755\tab \up0 \expndtw-1\charscalex
100 383,702\tab \up0 \expndtw-1\charscalex100 59,677\tab \up0 \expndtw-1\charsca
lex100 730,010\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1
0158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-m
arkup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 543,763\tab \up0 \expndtw-1\charscalex100 956,315\tab \up0 \expndtw-1\
charscalex100 920,279\tab \up0 \expndtw-1\charscalex100 951,391\tab \up0 \expndt
w-1\charscalex100 1,285,458\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx79
98\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 522,723\tab \up0 \expndtw-1\charscalex100 654,869\tab \up0 \expn
dtw-1\charscalex100 719,453\tab \up0 \expndtw-1\charscalex100 943,680\tab \up0 \
expndtw-1\charscalex100 1,468,480\par\pard\li900\sb19\sl-161\slmult0\fi194\tx697
8\tx7998\tx9030\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 91,014\tab \up0 \expndtw-1\charscalex100 205,896\tab
\up0 \expndtw-1\charscalex100 (798,770)\tab \up0 \expndtw-1\charscalex100 713,1
41\tab \up0 \expndtw-1\charscalex100 1,285,458\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6918\tx7998\tx9030\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\

nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\cha

rscalex100 \ul0\nosupersub\cf56\f57\fs12 219,437\tab \up0 \expndtw-1\charscalex1
00 137,348\tab \up0 \expndtw-1\charscalex100 (637,183)\tab \up0 \expndtw-1\chars
calex100 563,486\tab \up0 \expndtw-1\charscalex100 872,308\par\pard\li900\sb14\s
l-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E
.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1015
8\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of o
rdinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
00,298\tab \up0 \expndtw-1\charscalex100 400,298\tab \up0 \expndtw-1\charscalex1
00 500,400\tab \up0 \expndtw-1\charscalex100 500,400\tab \up0 \expndtw-1\charsca
lex100 822,800\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9168\tx1
0248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash
dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\t
ab \up0 \expndtw-1\charscalex100 25.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.64%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus
shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7893\tx8973\tx10053\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from op
erating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 (2,390,426)\tab \up0 \expndtw-1\charscalex100 1,626,745\tab \up0 \expndtw-1\c
harscalex100 6,445,596\tab \up0 \expndtw-1\charscalex100 1,804,102\tab \up0 \exp
ndtw-1\charscalex100 13,250,791\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 4,641,163\tab \up0 \expndtw-1\charscalex100 5,208,484\t
ab \up0 \expndtw-1\charscalex100 6,966,342\tab \up0 \expndtw-1\charscalex100 7,5
60,301\tab \up0 \expndtw-1\charscalex100 9,270,649\par\pard\li900\sb14\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficie
ncy ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\t
x8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 22.48%\tab \up0 \expndtw-1\charscalex100 35.86%\tab \up0 \expndt
w-1\charscalex100 29.49%\tab \up0 \expndtw-1\charscalex100 30.47%\tab \up0 \expn
dtw-1\charscalex100 34.47%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx811
8\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1.80%\tab \up0 \expndtw-1\charscalex100 3.39%\tab
\up0 \expndtw-1\charscalex100 2.58%\tab \up0 \expndtw-1\charscalex100 2.52%\tab
\up0 \expndtw-1\charscalex100 3.50%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.04\tab \up0 \expndtw-1\charscalex100 0.02\tab \
up0 \expndtw-1\charscalex100 -0.13\tab \up0 \expndtw-1\charscalex100 0.10\tab \u
p0 \expndtw-1\charscalex100 0.09\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038
\tx8118\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0.74%\tab \up0 \expndtw-1\charscalex100 0.44%\tab \u
p0 \expndtw-1\charscalex100 -1.64%\tab \up0 \expndtw-1\charscalex100 1.11%\tab \
up0 \expndtw-1\charscalex100 1.27%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx70
38\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.51%\tab \up0 \expndtw-1\c
harscalex100 1.08%\tab \up0 \expndtw-1\charscalex100 0.99%\tab \up0 \expndtw-1\c
harscalex100 0.12%\tab \up0 \expndtw-1\charscalex100 1.07%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6975\tx8118\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.)

to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5

7\fs12 -0.42%\tab \up0 \expndtw-1\charscalex100 2.62%\tab \up0 \expndtw-1\charsc
alex100 -0.68%\tab \up0 \expndtw-1\charscalex100 3.16%\tab \up0 \expndtw-1\chars
calex100 3.14%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Marku
p/interest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 77.52%\tab \up0 \expndtw-1\charscalex100
64.14%\tab \up0 \expndtw-1\charscalex100 70.51%\tab \up0 \expndtw-1\charscalex10
0 69.53%\tab \up0 \expndtw-1\charscalex100 65.53%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (time
s)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.74\tab \up0
\expndtw-1\charscalex100 3.18\tab \up0 \expndtw-1\charscalex100 -0.90\tab \up0
\expndtw-1\charscalex100 1.32\tab \up0 \expndtw-1\charscalex100 1.14\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense t
o total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 17.40%\tab \up0 \expndtw-1\charscalex100 28.99%\tab \up0 \expndtw-1\ch
arscalex100 24.39%\tab \up0 \expndtw-1\charscalex100 22.30%\tab \up0 \expndtw-1\
charscalex100 16.74%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx93
03\tx10323\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
0.Admin. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.70\tab \up0 \expndtw-1\charsc
alex100 1.93\tab \up0 \expndtw-1\charscalex100 1.88\tab \up0 \expndtw-1\charscal
ex100 15.81\tab \up0 \expndtw-1\charscalex100 2.01\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0.55\tab \up0 \expndtw-1\charscalex10
0 0.34\tab \up0 \expndtw-1\charscalex100 -1.27\tab \up0 \expndtw-1\charscalex100
1.13\tab \up0 \expndtw-1\charscalex100 1.06\par\pard\li900\sb14\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity rat
ios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11358
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equiv
alent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 17.12%\tab \up0 \expndtw-1\charscalex100 15.70%\tab \up0 \expndt
w-1\charscalex100 10.17%\tab \up0 \expndtw-1\charscalex100 12.96%\tab \up0 \expn
dtw-1\charscalex100 6.33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058
\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 30.08%\tab \up0 \expndtw-1\charscalex100 28.67%\tab \up0
\expndtw-1\charscalex100 46.19%\tab \up0 \expndtw-1\charscalex100 39.08%\tab \u
p0 \expndtw-1\charscalex100 53.61%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
78\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 33.91%\tab \up0 \expndtw-1\char
scalex100 40.35%\tab \up0 \expndtw-1\charscalex100 30.50%\tab \up0 \expndtw-1\ch
arscalex100 35.91%\tab \up0 \expndtw-1\charscalex100 32.57%\par\pard\li900\sb39\
sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.99%\tab \up0 \expndtw1\charscalex100 78.92%\tab \up0 \expndtw-1\charscalex100 67.73%\tab \up0 \expndt
w-1\charscalex100 72.81%\tab \up0 \expndtw-1\charscalex100 66.57%\par\pard\li900
\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (
B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80.24%\tab
\up0 \expndtw-1\charscalex100 85.06%\tab \up0 \expndtw-1\charscalex100 84.64%\ta
b \up0 \expndtw-1\charscalex100 81.49%\tab \up0 \expndtw-1\charscalex100 84.85%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to de
posits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5

6.86%\tab \up0 \expndtw-1\charscalex100 60.35%\tab \up0 \expndtw-1\charscalex100

56.38%\tab \up0 \expndtw-1\charscalex100 57.52%\tab \up0 \expndtw-1\charscalex1
00 55.51%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross adva
nces to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 53.55%\tab \up0 \expndtw-1\charscalex100 58.20%\tab \up0
\expndtw-1\charscalex100 47.15%\tab \up0 \expndtw-1\charscalex100 53.35%\tab \up
0 \expndtw-1\charscalex100 45.20%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\pa
r\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to
gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 18.90%\tab \up0 \expndtw-1\charscalex100 22.32%\tab \up0 \expndtw-1\chars
calex100 30.07%\tab \up0 \expndtw-1\charscalex100 19.36%\tab \up0 \expndtw-1\cha
rscalex100 15.58%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Pr
ovisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex10
0 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14.26%\tab \up0 \exp
ndtw-1\charscalex100 11.85%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 41.33%\tab \up0 \expndtw-1\charscalex100 58.68%\tab \
up0 \expndtw-1\charscalex100 88.42%\tab \up0 \expndtw-1\charscalex100 73.47%\tab
\up0 \expndtw-1\charscalex100 40.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 31.57%\tab \up0 \expndtw-1\charscale
x100 10.46%\tab \up0 \expndtw-1\charscalex100 42.28%\tab \up0 \expndtw-1\charsca
lex100 10.64%\tab \up0 \expndtw-1\charscalex100 8.16%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 90.75%\tab \up0 \expndtw
-1\charscalex100 68.48%\tab \up0 \expndtw-1\charscalex100 66.97%\tab \up0 \expnd
tw-1\charscalex100 73.68%\tab \up0 \expndtw-1\charscalex100 76.09%\par\pard\li90
0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978
\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 18.72%\tab \up0 \expndtw-1\charscalex100 18.12%\tab \up0 \expnd
tw-1\charscalex100 12.99%\tab \up0 \expndtw-1\charscalex100 11.03%\tab \up0 \exp
ndtw-1\charscalex100 14.18%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx82
23\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.83\tab \up0 \expndtw-1\char
scalex100 0.92\tab \up0 \expndtw-1\charscalex100 1.38\tab \up0 \expndtw-1\charsc
alex100 1.35\tab \up0 \expndtw-1\charscalex100 0.96\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.91\tab \up0 \expndtw-1\charsc
alex100 14.18\tab \up0 \expndtw-1\charscalex100 10.07\tab \up0 \expndtw-1\charsc
alex100 11.20\tab \up0 \expndtw-1\charscalex100 11.79\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.85\tab \up0 \ex
pndtw-1\charscalex100 4.36\tab \up0 \expndtw-1\charscalex100 5.21\tab \up0 \expn
dtw-1\charscalex100 6.60\tab \up0 \expndtw-1\charscalex100 4.70\par\pard\ql \li9
44\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7004\tx8163\tx9164
\tx10383\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C

ash generated from opration activities to profit after tax (E4/D10) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -10.89\tab \up0 \exp
ndtw-1\charscalex100 11.84\tab \up0 \expndtw-1\charscalex100 -10.12\tab \up0 \ex
pndtw-1\charscalex100 3.20\tab \up0 \expndtw-1\charscalex100 15.19\par\pard\ql \
li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li
6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 33
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g42}{\bkmkend Pg42}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 THE BANK OF PUNJAB\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi
90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54
\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsc
alex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscal
ex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7893\tx8973\tx10004\
tx11084 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15
,110,453\tab \up0 \expndtw-1\charscalex100 5,056,520\tab \up0 \expndtw-1\charsca
lex100 5,056,520\tab \up0 \expndtw-1\charscalex100 (7,111,043)\tab \up0 \expndtw
-1\charscalex100 (6,976,480)\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78

93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52

\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 4,230,379\tab \up0 \expndtw-1\charscalex100 5,287,974\tab \up0 \expndtw-1\
charscalex100 5,287,974\tab \up0 \expndtw-1\charscalex100 5,287,974\tab \up0 \ex
pndtw-1\charscalex100 5,287,974\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 7,427,232\tab \up0 \expndtw-1\charscalex100 7,427,232\tab \up0 \expndtw-1\c
harscalex100 7,427,232\tab \up0 \expndtw-1\charscalex100 2,012,492\tab \up0 \exp
ndtw-1\charscalex100 1,914,956\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7844\tx8924\tx9944\tx11024 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3,452,842\tab \up0 \expndtw-1\charscalex100 (7,658,686)\tab \up
0 \expndtw-1\charscalex100 (7,658,686)\tab \up0 \expndtw-1\charscalex100 (14,411
,509)\tab \up0 \expndtw-1\charscalex100 (14,179,410)\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7844\tx8924\tx9993\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 3,885,341\tab \up0 \expndtw-1\charscalex100 (1,313,395)\t
ab \up0 \expndtw-1\charscalex100 (1,313,395)\tab \up0 \expndtw-1\charscalex100 1
0,720,993\tab \up0 \expndtw-1\charscalex100 17,637,501\par\pard\li900\sb39\sl-15
5\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 215,978,401\tab \up0 \expndtw-1\cha
rscalex100 182,165,995\tab \up0 \expndtw-1\charscalex100 182,165,995\tab \up0 \e
xpndtw-1\charscalex100 225,521,824\tab \up0 \expndtw-1\charscalex100 270,228,671
\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10158\tx11238 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 937,647\tab \up0 \expn
dtw-1\charscalex100 1,219,801\tab \up0 \expndtw-1\charscalex100 1,219,801\tab \u
p0 \expndtw-1\charscalex100 581,100\tab \up0 \expndtw-1\charscalex100 850,569\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financi
al institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
17,842,915\tab \up0 \expndtw-1\charscalex100 12,278,773\tab \up0 \expndtw-1\char
scalex100 12,278,773\tab \up0 \expndtw-1\charscalex100 11,526,783\tab \up0 \expn
dtw-1\charscalex100 24,963,566\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\t
x7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 191,968,909\tab \up0 \expndtw-1\charscalex100 164,072,532\
tab \up0 \expndtw-1\charscalex100 164,072,532\tab \up0 \expndtw-1\charscalex100
208,176,902\tab \up0 \expndtw-1\charscalex100 237,896,692\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,228,930\tab \up0 \expndtw-1\char
scalex100 4,594,889\tab \up0 \expndtw-1\charscalex100 4,594,889\tab \up0 \expndt
w-1\charscalex100 5,237,039\tab \up0 \expndtw-1\charscalex100 6,517,844\par\pard
\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to
C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 234,974,19
5\tab \up0 \expndtw-1\charscalex100 185,909,120\tab \up0 \expndtw-1\charscalex10
0 185,909,120\tab \up0 \expndtw-1\charscalex100 229,131,774\tab \up0 \expndtw-1\
charscalex100 280,889,692\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\
tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 14,210,302\tab \up0 \expndtw-1\charscalex100 10,685,05
7\tab \up0 \expndtw-1\charscalex100 10,685,057\tab \up0 \expndtw-1\charscalex100
14,069,601\tab \up0 \expndtw-1\charscalex100 16,698,333\par\pard\li900\sb19\sl161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,927,662\tab \up0 \expndtw-1\cha

rscalex100 2,178,455\tab \up0 \expndtw-1\charscalex100 2,178,455\tab \up0 \expnd

tw-1\charscalex100 3,276,234\tab \up0 \expndtw-1\charscalex100 3,607,107\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial instit
utions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,450,000
\tab \up0 \expndtw-1\charscalex100 633,333\tab \up0 \expndtw-1\charscalex100 633
,333\tab \up0 \expndtw-1\charscalex100 7,309,587\tab \up0 \expndtw-1\charscalex1
00 7,447,375\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx999
3\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investme
nts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73,461,695\t
ab \up0 \expndtw-1\charscalex100 22,711,980\tab \up0 \expndtw-1\charscalex100 22
,711,980\tab \up0 \expndtw-1\charscalex100 56,359,404\tab \up0 \expndtw-1\charsc
alex100 92,492,813\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838
\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gr
oss advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 136
,530,003\tab \up0 \expndtw-1\charscalex100 153,226,251\tab \up0 \expndtw-1\chars
calex100 153,226,251\tab \up0 \expndtw-1\charscalex100 150,117,159\tab \up0 \exp
ndtw-1\charscalex100 153,430,862\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 3,349,891\tab \up0 \expndtw-1\charscalex100 42,68
9,337\tab \up0 \expndtw-1\charscalex100 42,689,337\tab \up0 \expndtw-1\charscale
x100 77,393,928\tab \up0 \expndtw-1\charscalex100 73,643,672\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,636,418\tab \up0 \expndtw-1
\charscalex100 21,495,093\tab \up0 \expndtw-1\charscalex100 21,495,093\tab \up0
\expndtw-1\charscalex100 29,320,465\tab \up0 \expndtw-1\charscalex100 26,323,361
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of prov
ision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13
3,893,585\tab \up0 \expndtw-1\charscalex100 131,731,158\tab \up0 \expndtw-1\char
scalex100 131,731,158\tab \up0 \expndtw-1\charscalex100 120,796,694\tab \up0 \ex
pndtw-1\charscalex100 127,107,501\par\pard\li900\sb19\sl-161\slmult0\fi194\tx681
3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 3,252,759\tab \up0 \expndtw-1\charscalex100 3,471,838\tab \up0 \expnd
tw-1\charscalex100 3,471,838\tab \up0 \expndtw-1\charscalex100 3,534,660\tab \up
0 \expndtw-1\charscalex100 3,597,483\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 5,778,192\tab \up0 \expndtw-1\charscalex100 14,497,299\tab \
up0 \expndtw-1\charscalex100 14,497,299\tab \up0 \expndtw-1\charscalex100 23,785
,594\tab \up0 \expndtw-1\charscalex100 29,939,080\par\pard\li900\sb14\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit &
loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx999
3\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/i
nterest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
7,539,094\tab \up0 \expndtw-1\charscalex100 17,752,969\tab \up0 \expndtw-1\chars
calex100 17,752,969\tab \up0 \expndtw-1\charscalex100 18,217,583\tab \up0 \expnd
tw-1\charscalex100 20,682,061\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 13,939,877\tab \up0 \expndtw-1\charscalex100 16,614,000\tab
\up0 \expndtw-1\charscalex100 16,614,000\tab \up0 \expndtw-1\charscalex100 18,80
1,642\tab \up0 \expndtw-1\charscalex100 21,073,271\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,599,217\tab \up0 \expndtw-1\charsc
alex100 1,138,969\tab \up0 \expndtw-1\charscalex100 1,138,969\tab \up0 \expndtw-

1\charscalex100 (584,059)\tab \up0 \expndtw-1\charscalex100 (391,210)\par\pard\l

i900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx10053\tx11133 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,887,769\tab \up0 \
expndtw-1\charscalex100 19,229,967\tab \up0 \expndtw-1\charscalex100 19,229,967\
tab \up0 \expndtw-1\charscalex100 3,326,945\tab \up0 \expndtw-1\charscalex100 2,
587,637\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7784\tx8864\tx10004\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/i
nterest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1,711,948\tab \up0 \expndtw-1\charscalex100 (18,090,998)\tab \
up0 \expndtw-1\charscalex100 (18,090,998)\tab \up0 \expndtw-1\charscalex100 (3,9
11,004)\tab \up0 \expndtw-1\charscalex100 2,196,427\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,422,793\tab \up0 \expndtw-1\chars
calex100 4,182,826\tab \up0 \expndtw-1\charscalex100 4,182,826\tab \up0 \expndtw
-1\charscalex100 1,885,446\tab \up0 \expndtw-1\charscalex100 1,989,708\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expense
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,289,019\tab
\up0 \expndtw-1\charscalex100 2,924,734\tab \up0 \expndtw-1\charscalex100 2,924,
734\tab \up0 \expndtw-1\charscalex100 4,176,654\tab \up0 \expndtw-1\charscalex10
0 3,716,432\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administ
rative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
2,250,777\tab \up0 \expndtw-1\charscalex100 2,799,933\tab \up0 \expndtw-1\charsc
alex100 2,799,933\tab \up0 \expndtw-1\charscalex100 3,435,049\tab \up0 \expndtw1\charscalex100 3,959,217\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7784
\tx8864\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 4,845,722\tab \up0 \expndtw-1\charscalex100 (16,832,906)\tab
\up0 \expndtw-1\charscalex100 (16,832,906)\tab \up0 \expndtw-1\charscalex100 6,
202,212\tab \up0 \expndtw-1\charscalex100 469,703\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7784\tx8864\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,445,619\tab \up0 \expndtw-1\charsc
alex100 (10,059,505)\tab \up0 \expndtw-1\charscalex100 (10,059,505)\tab \up0 \ex
pndtw-1\charscalex100 4,046,554\tab \up0 \expndtw-1\charscalex100 294,924\par\pa
rd\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 423,038\tab \up0 \expndtw-1\charscalex100 528,797\tab \up0 \expndt
w-1\charscalex100 528,797\tab \up0 \expndtw-1\charscalex100 528,797\tab \up0 \ex
pndtw-1\charscalex100 528,797\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx
8384\tx9464\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 0.00%\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7008\tx8384\tx9464\tx10248\tx11328 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.35%\tab \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \dn2 \expndtw-2\charscalex
100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
753\tx7784\tx8864\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 40,502,947\tab \up0 \expndtw-1\charscale
x100 (48,385,008)\tab \up0 \expndtw-1\charscalex100 (48,385,008)\tab \up0 \expnd

tw-1\charscalex100 32,984,625\tab \up0 \expndtw-1\charscalex100 32,984,625\par\p

ard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigenci
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 62,989,295\ta
b \up0 \expndtw-1\charscalex100 46,903,142\tab \up0 \expndtw-1\charscalex100 46,
903,142\tab \up0 \expndtw-1\charscalex100 39,847,267\tab \up0 \expndtw-1\charsca
lex100 42,923,697\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\p
ar\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10215\tx11295 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.52%\tab \up0 \
expndtw-1\charscalex100 6.42%\tab \up0 \expndtw-1\charscalex100 6.42%\tab \up0 \
expndtw-1\charscalex100 -3.21%\tab \up0 \expndtw-1\charscalex100 -1.89%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10215\tx11295 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin
(D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.53%
\tab \up0 \expndtw-1\charscalex100 0.61%\tab \up0 \expndtw-1\charscalex100 0.61%
\tab \up0 \expndtw-1\charscalex100 -0.25%\tab \up0 \expndtw-1\charscalex100 -0.1
4%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8160\tx9240\tx10320\tx11400
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity
(ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
29\tab \up0 \expndtw-1\charscalex100 -1.99\tab \up0 \expndtw-1\charscalex100 -1.
99\tab \up0 \expndtw-1\charscalex100 -0.57\tab \up0 \expndtw-1\charscalex100 -0.
04\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8055\tx9135\tx10278\tx11358
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets
(ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.
89%\tab \up0 \expndtw-1\charscalex100 -5.41%\tab \up0 \expndtw-1\charscalex100 5.41%\tab \up0 \expndtw-1\charscalex100 1.77%\tab \up0 \expndtw-1\charscalex100
0.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11
358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/int
erest income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 2.31%\tab \up0 \expndtw-1\charscalex100 2.25%\tab \up0 \
expndtw-1\charscalex100 2.25%\tab \up0 \expndtw-1\charscalex100 0.82%\tab \up0 \
expndtw-1\charscalex100 0.71%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx
8055\tx9135\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 6.Net markup/interest income(after prov.) to total assets(D5/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.73%\tab \up0 \expndt
w-1\charscalex100 -9.73%\tab \up0 \expndtw-1\charscalex100 -9.73%\tab \up0 \expn
dtw-1\charscalex100 -1.71%\tab \up0 \expndtw-1\charscalex100 0.78%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10143\tx11223 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup
/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 79.48%\tab \up0 \expndtw-1\charscalex100 93.58%\tab \up0 \expndtw-1\c
harscalex100 93.58%\tab \up0 \expndtw-1\charscalex100 103.21%\tab \up0 \expndtw1\charscalex100 101.89%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8160\t
x9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.46\tab \up0 \expndtw-1\charscalex100
-0.17\tab \up0 \expndtw-1\charscalex100 -0.17\tab \up0 \expndtw-1\charscalex100
0.55\tab \up0 \expndtw-1\charscalex100 8.43\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.97%\tab \up0
\expndtw-1\charscalex100 13.33%\tab \up0 \expndtw-1\charscalex100 13.33%\tab \up
0 \expndtw-1\charscalex100 20.78%\tab \up0 \expndtw-1\charscalex100 16.39%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-ma
rkup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0.42\tab \up0 \expndtw-1\charscalex100 0.67\tab \up0 \exp
ndtw-1\charscalex100 0.67\tab \up0 \expndtw-1\charscalex100 1.82\tab \up0 \expnd

tw-1\charscalex100 1.99\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8084\t
x9164\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 10.51\tab \up0 \expndtw-1\charscalex100 -19.02\tab \up0 \expndtw
-1\charscalex100 -19.02\tab \up0 \expndtw-1\charscalex100 7.65\tab \up0 \expndtw
-1\charscalex100 0.56\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\
sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (
C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.87%\t
ab \up0 \expndtw-1\charscalex100 6.92%\tab \up0 \expndtw-1\charscalex100 6.92%\t
ab \up0 \expndtw-1\charscalex100 7.57%\tab \up0 \expndtw-1\charscalex100 7.23%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total a
ssets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31.
26%\tab \up0 \expndtw-1\charscalex100 12.22%\tab \up0 \expndtw-1\charscalex100 1
2.22%\tab \up0 \expndtw-1\charscalex100 24.60%\tab \up0 \expndtw-1\charscalex100
32.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net
of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 56.98%\tab \up0 \expndtw-1\charscalex100 70.86%\tab \up0 \
expndtw-1\charscalex100 70.86%\tab \up0 \expndtw-1\charscalex100 52.72%\tab \up0
\expndtw-1\charscalex100 45.25%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\
tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 81.70%\tab \up0 \expndtw-1\charscalex100 88.25%\tab
\up0 \expndtw-1\charscalex100 88.25%\tab \up0 \expndtw-1\charscalex100 90.85%\ta
b \up0 \expndtw-1\charscalex100 84.69%\par\pard\li900\sb6\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 91.92%\tab \up0 \expndtw-1\charscalex1
00 97.99%\tab \up0 \expndtw-1\charscalex100 97.99%\tab \up0 \expndtw-1\charscale
x100 98.42%\tab \up0 \expndtw-1\charscalex100 96.20%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.12%\tab \up0 \expndtw-1\c
harscalex100 93.39%\tab \up0 \expndtw-1\charscalex100 93.39%\tab \up0 \expndtw-1
\charscalex100 72.11%\tab \up0 \expndtw-1\charscalex100 64.49%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit
C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 65.0
7%\tab \up0 \expndtw-1\charscalex100 86.89%\tab \up0 \expndtw-1\charscalex100 86
.89%\tab \up0 \expndtw-1\charscalex100 68.33%\tab \up0 \expndtw-1\charscalex100
58.37%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slm
ult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.45%\tab \up0 \expn
dtw-1\charscalex100 27.86%\tab \up0 \expndtw-1\charscalex100 27.86%\tab \up0 \ex
pndtw-1\charscalex100 51.56%\tab \up0 \expndtw-1\charscalex100 48.00%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gro
ss advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\char
scalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 19.53%\tab \up0 \expndtw-1\charscalex100 17.16%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9063\tx9975\tx11055 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders
equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22
.17%\tab \up0 \expndtw-1\charscalex100 844.24%\tab \up0 \expndtw-1\charscalex100
844.24%\tab \up0 \expndtw-1\charscalex100 -1,088.36%\tab \up0 \expndtw-1\charsc

alex100 -1,055.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.N
PLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 71.60%\tab \up0 \expndtw-1\charscalex100 89.46%\tab \up
0 \expndtw-1\charscalex100 89.46%\tab \up0 \expndtw-1\charscalex100 11.35%\tab \
up0 \expndtw-1\charscalex100 9.83%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
78\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 78.70%\tab \up0 \expndtw-1\charscalex100 50
.35%\tab \up0 \expndtw-1\charscalex100 50.35%\tab \up0 \expndtw-1\charscalex100
37.88%\tab \up0 \expndtw-1\charscalex100 35.74%\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /l
everage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10
215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capita
l ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.
43%\tab \up0 \expndtw-1\charscalex100 2.72%\tab \up0 \expndtw-1\charscalex100 2.
72%\tab \up0 \expndtw-1\charscalex100 -3.10%\tab \up0 \expndtw-1\charscalex100 2.48%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10320\tx11
400 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments &
contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 4.17\tab \up0 \expndtw-1\charscalex100 9.28\tab \up
0 \expndtw-1\charscalex100 9.28\tab \up0 \expndtw-1\charscalex100 -5.60\tab \up0
\expndtw-1\charscalex100 -6.15\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\
tx8223\tx9303\tx10244\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 35.72\tab \up0 \expndtw-1\charscalex100 9.56\tab \up
0 \expndtw-1\charscalex100 9.56\tab \up0 \expndtw-1\charscalex100 -13.45\tab \up
0 \expndtw-1\charscalex100 -13.19\par\pard\li900\sb19\sl-161\slmult0\fi194\tx708
3\tx8163\tx9243\tx10244\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 12.70\tab \up0 \expndtw-1\charscalex1
00 32.45\tab \up0 \expndtw-1\charscalex100 32.45\tab \up0 \expndtw-1\charscalex1
00 -29.28\tab \up0 \expndtw-1\charscalex100 -34.10\par\pard\ql \li944\sb7\sl-184
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow
ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9303\tx10383\tx11
328 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated
from opration activities to profit after tax (E4/D10) (times)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.11\tab \up0 \expndtw-1\charscal
ex100 4.81\tab \up0 \expndtw-1\charscalex100 4.81\tab \up0 \expndtw-1\charscalex
100 8.15\tab \up0 \expndtw-1\charscalex100 111.84\par\pard\ql \li6127\sb0\sl-161
\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\s
lmult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul
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s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
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alex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-19
7\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nos
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838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A
.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 335,558,244\tab \up0 \expndtw-1\charscalex100 385,359,458\tab \up0 \exp
ndtw-1\charscalex100 448,140,588\tab \up0 \expndtw-1\charscalex100 472,942,974\t
ab \up0 \expndtw-1\charscalex100 604,889,679\par\pard\li900\sb0\sl-161\slmult0\f
i194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 182,923,895\tab \up0 \expndtw-1\charscalex100 210,865,136\t
ab \up0 \expndtw-1\charscalex100 250,825,234\tab \up0 \expndtw-1\charscalex100 2
75,390,507\tab \up0 \expndtw-1\charscalex100 356,844,077\par\pard\li900\sb19\sl161\slmult0\fi194\tx6753\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 92,324,287\tab \up0 \expndtw-1\charscalex100 116,70
9,912\tab \up0 \expndtw-1\charscalex100 129,499,179\tab \up0 \expndtw-1\charscal
ex100 147,117,474\tab \up0 \expndtw-1\charscalex100 150,212,920\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 60,310,062\tab \up0 \expndtw-1
\charscalex100 57,784,410\tab \up0 \expndtw-1\charscalex100 67,816,175\tab \up0
\expndtw-1\charscalex100 50,434,993\tab \up0 \expndtw-1\charscalex100 97,832,682
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11024 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54,306,190\tab \up0 \expndtw1\charscalex100 41,246,518\tab \up0 \expndtw-1\charscalex100 55,865,074\tab \up0
\expndtw-1\charscalex100 44,519,030\tab \up0 \expndtw-1\charscalex100 (15,367,7
73)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6573\tx7653\tx8733\tx9813\tx10893
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(
B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,445,
854,766\tab \up0 \expndtw-1\charscalex100 3,809,313,808\tab \up0 \expndtw-1\char

scalex100 4,474,936,926\tab \up0 \expndtw-1\charscalex100 4,962,869,192\tab \up0

\expndtw-1\charscalex100 5,733,906,437\par\pard\li900\sb6\sl-161\slmult0\fi194\
tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 69,288,789\tab \up0 \expndtw-1\charscalex100 52,687,992\tab \up0
\expndtw-1\charscalex100 55,027,426\tab \up0 \expndtw-1\charscalex100 60,505,85
8\tab \up0 \expndtw-1\charscalex100 70,475,916\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 315,173,884\tab \up0 \expndtw-1
\charscalex100 305,687,636\tab \up0 \expndtw-1\charscalex100 496,966,731\tab \up
0 \expndtw-1\charscalex100 419,118,618\tab \up0 \expndtw-1\charscalex100 508,175
,430\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx1089
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and oth
er accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,90
9,973,436\tab \up0 \expndtw-1\charscalex100 3,244,927,861\tab \up0 \expndtw-1\ch
arscalex100 3,696,318,107\tab \up0 \expndtw-1\charscalex100 4,250,619,218\tab \u
p0 \expndtw-1\charscalex100 4,888,454,466\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 151,418,657\tab \up0 \expndtw-1\charscalex100 206,0
10,319\tab \up0 \expndtw-1\charscalex100 226,624,662\tab \up0 \expndtw-1\charsca
lex100 232,625,498\tab \up0 \expndtw-1\charscalex100 266,800,625\par\pard\li900\
sb39\sl-155\slmult0\fi44\tx6573\tx7653\tx8733\tx9813\tx10893 \dn3 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,835,719,200\tab
\up0 \expndtw-1\charscalex100 4,235,919,784\tab \up0 \expndtw-1\charscalex100 4
,978,942,588\tab \up0 \expndtw-1\charscalex100 5,480,331,196\tab \up0 \expndtw-1
\charscalex100 6,323,428,343\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6678\tx77
58\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 330,722,925\tab \up0 \expndtw-1\charscalex100 320,5
17,786\tab \up0 \expndtw-1\charscalex100 370,158,326\tab \up0 \expndtw-1\charsca
lex100 423,371,995\tab \up0 \expndtw-1\charscalex100 506,215,607\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80,978,851\tab \up0 \expnd
tw-1\charscalex100 103,115,398\tab \up0 \expndtw-1\charscalex100 127,593,768\tab
\up0 \expndtw-1\charscalex100 127,673,217\tab \up0 \expndtw-1\charscalex100 141
,320,818\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx
10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to f
inancial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 144,267,071\tab \up0 \expndtw-1\charscalex100 137,405,388\tab \up0 \expndt
w-1\charscalex100 182,548,618\tab \up0 \expndtw-1\charscalex100 144,242,701\tab
\up0 \expndtw-1\charscalex100 122,588,383\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6678\tx7758\tx8733\tx9813\tx10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 936,617,336\tab \up0 \expndtw-1\charscalex100 845,773,291\tab \
up0 \expndtw-1\charscalex100 1,382,688,908\tab \up0 \expndtw-1\charscalex100 1,6
96,420,171\tab \up0 \expndtw-1\charscalex100 2,468,168,101\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 2,129,767,639\tab \up0 \expndtw-1\charscale
x100 2,582,387,596\tab \up0 \expndtw-1\charscalex100 2,664,890,312\tab \up0 \exp
ndtw-1\charscalex100 2,875,221,875\tab \up0 \expndtw-1\charscalex100 2,840,379,9
78\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-perfo
rming/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
128,088,718\tab \up0 \expndtw-1\charscalex100 184,544,581\tab \up0 \expndtw-1\c
harscalex100 270,852,209\tab \up0 \expndtw-1\charscalex100 351,693,460\tab \up0

\expndtw-1\charscalex100 364,289,152\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6753\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 95,687,146\tab \up0 \expndtw-1\charscalex100 145,648,
689\tab \up0 \expndtw-1\charscalex100 198,582,490\tab \up0 \expndtw-1\charscalex
100 252,080,464\tab \up0 \expndtw-1\charscalex100 275,241,209\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx9813\tx10893 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,034,080,493\tab \up
0 \expndtw-1\charscalex100 2,436,738,907\tab \up0 \expndtw-1\charscalex100 2,466
,307,822\tab \up0 \expndtw-1\charscalex100 2,623,141,411\tab \up0 \expndtw-1\cha
rscalex100 2,565,138,769\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\
tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
133,328,851\tab \up0 \expndtw-1\charscalex100 154,423,798\tab \up0 \expndtw-1\c
harscalex100 153,471,610\tab \up0 \expndtw-1\charscalex100 163,861,660\tab \up0
\expndtw-1\charscalex100 176,095,495\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 175,723,673\tab \up0 \expndtw-1\charscalex100 237,945,216\ta
b \up0 \expndtw-1\charscalex100 296,173,536\tab \up0 \expndtw-1\charscalex100 30
1,620,041\tab \up0 \expndtw-1\charscalex100 343,901,170\par\pard\li900\sb14\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Pr
ofit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6678\tx7758\tx8838
\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Ma
rkup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 287,468,766\tab \up0 \expndtw-1\charscalex100 370,761,372\tab \up0 \expndtw
-1\charscalex100 460,314,435\tab \up0 \expndtw-1\charscalex100 486,294,541\tab \
up0 \expndtw-1\charscalex100 484,676,021\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 137,649,901\tab \up0 \expndtw-1\charscalex100 189
,477,389\tab \up0 \expndtw-1\charscalex100 247,726,810\tab \up0 \expndtw-1\chars
calex100 259,347,973\tab \up0 \expndtw-1\charscalex100 309,342,602\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 149,818,868\tab \up0
\expndtw-1\charscalex100 181,283,983\tab \up0 \expndtw-1\charscalex100 221,100,8
85\tab \up0 \expndtw-1\charscalex100 226,946,568\tab \up0 \expndtw-1\charscalex1
00 274,784,302\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9
993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provis
ions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 46,568,286\tab \up0 \expndtw-1\charscalex100 67,875,442\tab \up0 \expndtw-1\
charscalex100 74,874,595\tab \up0 \expndtw-1\charscalex100 60,248,131\tab \up0 \
expndtw-1\charscalex100 46,392,613\par\pard\li900\sb19\sl-161\slmult0\fi194\tx66
78\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 104,770,698\tab \up0 \expndtw-1\char
scalex100 113,412,163\tab \up0 \expndtw-1\charscalex100 146,197,065\tab \up0 \ex
pndtw-1\charscalex100 169,223,241\tab \up0 \expndtw-1\charscalex100 235,980,997\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 61,874,1
83\tab \up0 \expndtw-1\charscalex100 70,125,358\tab \up0 \expndtw-1\charscalex10
0 70,429,526\tab \up0 \expndtw-1\charscalex100 75,509,790\tab \up0 \expndtw-1\ch
arscalex100 80,213,564\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx
8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 95,778,014\tab \up0 \expndtw-1\charscalex100 125,060,096\tab \u
p0 \expndtw-1\charscalex100 143,019,662\tab \up0 \expndtw-1\charscalex100 159,00

9,575\tab \up0 \expndtw-1\charscalex100 181,596,419\par\pard\li900\sb19\sl-161\s

lmult0\fi194\tx6753\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 94,277,551\tab \up0 \expndtw-1\charscalex
100 122,545,992\tab \up0 \expndtw-1\charscalex100 137,112,537\tab \up0 \expndtw1\charscalex100 153,363,449\tab \up0 \expndtw-1\charscalex100 174,512,078\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx10998 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxati
on\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 69,834,448\ta
b \up0 \expndtw-1\charscalex100 52,529,021\tab \up0 \expndtw-1\charscalex100 63,
542,898\tab \up0 \expndtw-1\charscalex100 77,693,011\tab \up0 \expndtw-1\charsca
lex100 131,080,868\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913
\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.P
rofit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 51,435,338\tab \up0 \expndtw-1\charscalex100 34,800,231\tab \up0 \ex
pndtw-1\charscalex100 40,603,888\tab \up0 \expndtw-1\charscalex100 46,343,893\ta
b \up0 \expndtw-1\charscalex100 86,737,494\par\pard\li900\sb14\sl-184\slmult0\fi
44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par
\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,314,321\tab \up
0 \expndtw-1\charscalex100 21,086,511\tab \up0 \expndtw-1\charscalex100 25,082,5
24\tab \up0 \expndtw-1\charscalex100 27,539,050\tab \up0 \expndtw-1\charscalex10
0 35,684,408\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx104
40\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash di
vidend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \
up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0
\expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw
-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\c
harscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6678\tx7833\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 297,933,704\tab \up0
\expndtw-1\charscalex100 16,415,664\tab \up0 \expndtw-1\charscalex100 576,781,07
4\tab \up0 \expndtw-1\charscalex100 363,931,590\tab \up0 \expndtw-1\charscalex10
0 869,494,291\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6573\tx7653\tx8733\tx98
13\tx10893 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitm
ents and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2,228,515,711\tab \up0 \expndtw-1\charscalex100 1,847,899,393\tab \up0 \ex
pndtw-1\charscalex100 2,372,671,025\tab \up0 \expndtw-1\charscalex100 2,207,087,
299\tab \up0 \expndtw-1\charscalex100 2,658,456,710\par\pard\li900\sb14\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Effici
ency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\
tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 52.12%\tab \up0 \expndtw-1\charscalex100 48.90%\tab \up0 \expnd
tw-1\charscalex100 48.03%\tab \up0 \expndtw-1\charscalex100 46.67%\tab \up0 \exp
ndtw-1\charscalex100 56.69%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx81
18\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 3.91%\tab \up0 \expndtw-1\charscalex100 4.28%\tab
\up0 \expndtw-1\charscalex100 4.27%\tab \up0 \expndtw-1\charscalex100 4.14%\tab
\up0 \expndtw-1\charscalex100 2.77%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0.15\tab \up0 \expndtw-1\charscalex100 0.09\tab
\up0 \expndtw-1\charscalex100 0.09\tab \up0 \expndtw-1\charscalex100 0.10\tab \u

p0 \expndtw-1\charscalex100 0.14\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038
\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1.34%\tab \up0 \expndtw-1\charscalex100 0.82%\tab \u
p0 \expndtw-1\charscalex100 0.82%\tab \up0 \expndtw-1\charscalex100 0.85%\tab \u
p0 \expndtw-1\charscalex100 1.37%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx703
8\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.61%\tab \up0 \expndtw-1\ch
arscalex100 1.66%\tab \up0 \expndtw-1\charscalex100 1.41%\tab \up0 \expndtw-1\ch
arscalex100 1.38%\tab \up0 \expndtw-1\charscalex100 1.27%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.)
to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2.73%\tab \up0 \expndtw-1\charscalex100 2.68%\tab \up0 \expndtw-1\charscal
ex100 2.94%\tab \up0 \expndtw-1\charscalex100 3.09%\tab \up0 \expndtw-1\charscal
ex100 3.73%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/i
nterest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 47.88%\tab \up0 \expndtw-1\charscalex100 51.
10%\tab \up0 \expndtw-1\charscalex100 53.82%\tab \up0 \expndtw-1\charscalex100 5
3.33%\tab \up0 \expndtw-1\charscalex100 63.82%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.35\tab \up0 \e
xpndtw-1\charscalex100 2.33\tab \up0 \expndtw-1\charscalex100 2.16\tab \up0 \exp
ndtw-1\charscalex100 1.97\tab \up0 \expndtw-1\charscalex100 1.33\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to to
tal income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 27.42%\tab \up0 \expndtw-1\charscalex100 28.37%\tab \up0 \expndtw-1\charsc
alex100 26.95%\tab \up0 \expndtw-1\charscalex100 28.30%\tab \up0 \expndtw-1\char
scalex100 32.15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\t
x10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Ad
min. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.52\tab \up0 \expndtw-1\charscalex
100 1.75\tab \up0 \expndtw-1\charscalex100 1.95\tab \up0 \expndtw-1\charscalex10
0 2.03\tab \up0 \expndtw-1\charscalex100 2.18\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 2.81\tab \up0 \expndtw-1\charscalex100 1.6
5\tab \up0 \expndtw-1\charscalex100 1.62\tab \up0 \expndtw-1\charscalex100 1.68\
tab \up0 \expndtw-1\charscalex100 2.43\par\pard\li900\sb14\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\pa
r\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent
to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 10.73%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \expndtw-1\ch
arscalex100 10.00%\tab \up0 \expndtw-1\charscalex100 10.05%\tab \up0 \expndtw-1\
charscalex100 10.24%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 24.42%\tab \up0 \expndtw-1\charscalex100 19.97%\tab \up0 \exp
ndtw-1\charscalex100 27.77%\tab \up0 \expndtw-1\charscalex100 30.95%\tab \up0 \e
xpndtw-1\charscalex100 39.03%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 53.03%\tab \up0 \expndtw-1\charscale
x100 57.53%\tab \up0 \expndtw-1\charscalex100 49.53%\tab \up0 \expndtw-1\charsca
lex100 47.86%\tab \up0 \expndtw-1\charscalex100 40.57%\par\pard\li900\sb39\sl-15

5\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex10

0 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.87%\tab \up0 \expndtw-1\cha
rscalex100 76.61%\tab \up0 \expndtw-1\charscalex100 74.24%\tab \up0 \expndtw-1\c
harscalex100 77.56%\tab \up0 \expndtw-1\charscalex100 77.31%\par\pard\li900\sb6\
sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89.84%\tab \up0
\expndtw-1\charscalex100 89.93%\tab \up0 \expndtw-1\charscalex100 89.88%\tab \up
0 \expndtw-1\charscalex100 90.56%\tab \up0 \expndtw-1\charscalex100 90.68%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposit
s (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73.19%
\tab \up0 \expndtw-1\charscalex100 79.58%\tab \up0 \expndtw-1\charscalex100 72.1
0%\tab \up0 \expndtw-1\charscalex100 67.64%\tab \up0 \expndtw-1\charscalex100 58
.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances
to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 66.04%\tab \up0 \expndtw-1\charscalex100 72.73%\tab \up0 \expn
dtw-1\charscalex100 63.55%\tab \up0 \expndtw-1\charscalex100 61.57%\tab \up0 \ex
pndtw-1\charscalex100 52.63%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\par
d\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross
advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 6.01%\tab \up0 \expndtw-1\charscalex100 7.15%\tab \up0 \expndtw-1\charscalex10
0 10.16%\tab \up0 \expndtw-1\charscalex100 12.23%\tab \up0 \expndtw-1\charscalex
100 12.83%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10278
\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision
s against NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 23.51%\tab \up0 \expndtw-1\charscalex100 5.64%\tab \up0
\expndtw-1\charscalex100 7.45%\tab \up0 \expndtw-1\charscalex100 8.77%\tab \up0
\expndtw-1\charscalex100 9.69%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\
tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 38.17%\tab \up0 \expndtw-1\charscalex100 47.89%\t
ab \up0 \expndtw-1\charscalex100 60.44%\tab \up0 \expndtw-1\charscalex100 74.36%
\tab \up0 \expndtw-1\charscalex100 60.22%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48.67%\tab \up0 \expndtw-1\chars
calex100 46.60%\tab \up0 \expndtw-1\charscalex100 37.70%\tab \up0 \expndtw-1\cha
rscalex100 23.90%\tab \up0 \expndtw-1\charscalex100 16.86%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 74.70%\tab \up0 \ex
pndtw-1\charscalex100 78.92%\tab \up0 \expndtw-1\charscalex100 73.32%\tab \up0 \
expndtw-1\charscalex100 71.68%\tab \up0 \expndtw-1\charscalex100 75.56%\par\pard
\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\t
x7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 8.75%\tab \up0 \expndtw-1\charscalex100 9.10%\tab \up0 \ex
pndtw-1\charscalex100 9.00%\tab \up0 \expndtw-1\charscalex100 8.63%\tab \up0 \ex
pndtw-1\charscalex100 9.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx82
23\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.64\tab \up0 \expndtw-1\char
scalex100 4.80\tab \up0 \expndtw-1\charscalex100 5.29\tab \up0 \expndtw-1\charsc
alex100 4.67\tab \up0 \expndtw-1\charscalex100 4.39\par\pard\li900\sb19\sl-161\s

lmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100

\ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.32\tab \up0 \expndtw-1\charsc
alex100 18.28\tab \up0 \expndtw-1\charscalex100 17.87\tab \up0 \expndtw-1\charsc
alex100 17.17\tab \up0 \expndtw-1\charscalex100 16.95\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.67\tab \up0 \ex
pndtw-1\charscalex100 8.42\tab \up0 \expndtw-1\charscalex100 8.25\tab \up0 \expn
dtw-1\charscalex100 8.99\tab \up0 \expndtw-1\charscalex100 8.08\par\pard\ql \li9
44\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9243
\tx10383\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash generated from opration activities to profit after tax (E4/D10) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.79\tab \up0 \expnd
tw-1\charscalex100 0.47\tab \up0 \expndtw-1\charscalex100 14.21\tab \up0 \expndt
w-1\charscalex100 7.85\tab \up0 \expndtw-1\charscalex100 10.02\par\pard\ql \li61
27\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127
\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 35
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g44}{\bkmkend Pg44}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\

pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no

supersub\cf57\f58\fs24 ALBARAKA BANK (PAKISTAN) LIMITED\tab \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex
100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \ex
pndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expn
dtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\t
x8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 2,811,700\tab \up0 \expndtw-1\charscalex100 4,051,584\tab \up0 \expn
dtw-1\charscalex100 3,487,571\tab \up0 \expndtw-1\charscalex100 6,883,176\tab \u
p0 \expndtw-1\charscalex100 7,293,546\par\pard\li900\sb0\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 3,000,000\tab \up0 \expndtw-1\charscalex100 4,500,000\tab \up0 \e
xpndtw-1\charscalex100 4,500,000\tab \up0 \expndtw-1\charscalex100 8,935,200\tab
\up0 \expndtw-1\charscalex100 8,935,200\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx7278\tx8358\tx9438\tx10518\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 82
,074\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx8924\tx10004\tx110
84 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated
profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (188,300
)\tab \up0 \expndtw-1\charscalex100 (448,416)\tab \up0 \expndtw-1\charscalex100
(1,012,429)\tab \up0 \expndtw-1\charscalex100 (2,052,024)\tab \up0 \expndtw-1\ch
arscalex100 (1,723,728)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx8058\t
x9213\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,007
,855\tab \up0 \expndtw-1\charscalex100 17,255\tab \up0 \expndtw-1\charscalex100
5,388\tab \up0 \expndtw-1\charscalex100 (764,099)\tab \up0 \expndtw-1\charscalex
100 (769,063)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7833\tx8913\tx999
3\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total li
abilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 5,121,920\tab \up0 \expndtw-1\charscalex100 12,468,548\tab \up0 \expndtw-1\c
harscalex100 16,269,491\tab \up0 \expndtw-1\charscalex100 54,644,587\tab \up0 \e
xpndtw-1\charscalex100 66,020,396\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978
\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 99,753\tab \up0 \expndtw-1\charscalex100 148,403\tab \up0 \expndtw-1\
charscalex100 262,691\tab \up0 \expndtw-1\charscalex100 427,600\tab \up0 \expndt
w-1\charscalex100 451,030\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998
\tx9138\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Borrowings from financial institutions\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 68,908\tab \up0 \expndtw-1\charscalex100 725,000\ta
b \up0 \expndtw-1\charscalex100 20,000\tab \up0 \expndtw-1\charscalex100 2,756,8
92\tab \up0 \expndtw-1\charscalex100 1,736,120\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 4,552,909\tab \up0 \expndtw-1\charscalex10
0 10,892,602\tab \up0 \expndtw-1\charscalex100 15,081,242\tab \up0 \expndtw-1\ch
arscalex100 49,324,209\tab \up0 \expndtw-1\charscalex100 61,559,026\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 400,350\tab \up0 \expndt
w-1\charscalex100 702,543\tab \up0 \expndtw-1\charscalex100 905,558\tab \up0 \ex
pndtw-1\charscalex100 2,135,886\tab \up0 \expndtw-1\charscalex100 2,274,220\par\
pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7833\tx8913\tx9993\tx11073 \dn3 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C

8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,941,

475\tab \up0 \expndtw-1\charscalex100 16,537,387\tab \up0 \expndtw-1\charscalex1
00 19,762,450\tab \up0 \expndtw-1\charscalex100 60,763,664\tab \up0 \expndtw-1\c
harscalex100 72,544,879\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx
8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 991,301\tab \up0 \expndtw-1\charscalex100 909,378\tab \
up0 \expndtw-1\charscalex100 1,337,892\tab \up0 \expndtw-1\charscalex100 4,460,2
57\tab \up0 \expndtw-1\charscalex100 3,945,481\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 419,737\tab \up0 \expndtw-1\charscalex100 1
95,134\tab \up0 \expndtw-1\charscalex100 959,078\tab \up0 \expndtw-1\charscalex1
00 7,409,620\tab \up0 \expndtw-1\charscalex100 7,577,186\par\pard\li900\sb19\sl161\slmult0\fi194\tx6813\tx7998\tx8973\tx10218\tx11598 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,350,000\tab \up0 \expnd
tw-1\charscalex100 320,000\tab \up0 \expndtw-1\charscalex100 1,600,000\tab \up0
\expndtw-1\charscalex100 80,000\tab \up0 \expndtw-1\charscalex100 0\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 2,275,123\tab \up0 \expndtw-1\charsca
lex100 2,756,159\tab \up0 \expndtw-1\charscalex100 3,356,705\tab \up0 \expndtw-1
\charscalex100 15,617,589\tab \up0 \expndtw-1\charscalex100 26,179,416\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,623,663\tab \up0 \expndtw-1\c
harscalex100 7,788,664\tab \up0 \expndtw-1\charscalex100 9,760,212\tab \up0 \exp
ndtw-1\charscalex100 28,820,378\tab \up0 \expndtw-1\charscalex100 29,601,824\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8058\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing
/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,13
8\tab \up0 \expndtw-1\charscalex100 13,537\tab \up0 \expndtw-1\charscalex100 1,2
13,994\tab \up0 \expndtw-1\charscalex100 3,735,780\tab \up0 \expndtw-1\charscale
x100 4,466,038\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8058\tx9078\tx1
0053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provi
sion against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2,138\tab \up0 \expndtw-1\charscalex100 11,181\tab \up0 \expndtw-1\charsca
lex100 320,969\tab \up0 \expndtw-1\charscalex100 1,923,180\tab \up0 \expndtw-1\c
harscalex100 1,991,116\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx
8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 2,621,525\tab \up0 \expndtw-1\charscalex100 7,777,483\tab \u
p0 \expndtw-1\charscalex100 9,439,243\tab \up0 \expndtw-1\charscalex100 26,897,1
98\tab \up0 \expndtw-1\charscalex100 27,610,708\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 953,864\tab \up0 \expndtw-1\charscalex100 1,619,029\tab
\up0 \expndtw-1\charscalex100 1,741,736\tab \up0 \expndtw-1\charscalex100 2,732
,332\tab \up0 \expndtw-1\charscalex100 2,798,165\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 329,925\tab \up0 \expndtw-1\charscalex100 2,960
,204\tab \up0 \expndtw-1\charscalex100 1,327,796\tab \up0 \expndtw-1\charscalex1
00 3,566,668\tab \up0 \expndtw-1\charscalex100 4,433,923\par\pard\li900\sb14\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.P
rofit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 381,172\tab \up0 \expndtw-1\charscalex100 1,060,376\tab \up0 \expndtw-1\c

harscalex100 1,914,228\tab \up0 \expndtw-1\charscalex100 2,198,794\tab \up0 \exp

ndtw-1\charscalex100 6,699,178\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\t
x7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 125,011\tab \up0 \expndtw-1\charscalex100 598,062\tab \up0
\expndtw-1\charscalex100 1,234,890\tab \up0 \expndtw-1\charscalex100 1,658,608\
tab \up0 \expndtw-1\charscalex100 5,001,222\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 256,161\tab \up0 \expndtw-1\charscalex100 4
62,314\tab \up0 \expndtw-1\charscalex100 679,338\tab \up0 \expndtw-1\charscalex1
00 540,186\tab \up0 \expndtw-1\charscalex100 1,697,956\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7053\tx8133\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,032\tab \up0 \expndtw-1\charscale
x100 1,811\tab \up0 \expndtw-1\charscalex100 344,009\tab \up0 \expndtw-1\charsca
lex100 764,375\tab \up0 \expndtw-1\charscalex100 227,176\par\pard\li900\sb19\sl161\slmult0\fi194\tx6918\tx7998\tx9078\tx10110\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisio
ns\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 248,129\tab \
up0 \expndtw-1\charscalex100 464,125\tab \up0 \expndtw-1\charscalex100 335,329\t
ab \up0 \expndtw-1\charscalex100 (224,189)\tab \up0 \expndtw-1\charscalex100 1,9
25,132\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9078\tx10158\tx1
1238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/in
terest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
63,763\tab \up0 \expndtw-1\charscalex100 95,111\tab \up0 \expndtw-1\charscalex10
0 301,855\tab \up0 \expndtw-1\charscalex100 247,021\tab \up0 \expndtw-1\charscal
ex100 482,058\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10
053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-ma
rkup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 395,546\tab \up0 \expndtw-1\charscalex100 950,599\tab \up0 \expndtw-1\c
harscalex100 1,436,066\tab \up0 \expndtw-1\charscalex100 1,595,139\tab \up0 \exp
ndtw-1\charscalex100 1,926,488\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\t
x7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 395,539\tab \up0 \expndtw-1\charscalex100 949,634\tab \up0 \e
xpndtw-1\charscalex100 1,410,569\tab \up0 \expndtw-1\charscalex100 1,508,590\tab
\up0 \expndtw-1\charscalex100 1,910,731\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6930\tx7950\tx9030\tx10004\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 (83,654)\tab \up0 \expndtw-1\charscalex100 (3
91,363)\tab \up0 \expndtw-1\charscalex100 (798,882)\tab \up0 \expndtw-1\charscal
ex100 (1,572,307)\tab \up0 \expndtw-1\charscalex100 480,702\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6930\tx7950\tx9030\tx10004\tx11238 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (57,499)\tab \up0 \expndtw
-1\charscalex100 (260,116)\tab \up0 \expndtw-1\charscalex100 (564,013)\tab \up0
\expndtw-1\charscalex100 (1,039,595)\tab \up0 \expndtw-1\charscalex100 410,370\p
ar\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 300,000\tab \up0 \expndtw-1\charscalex100 450,000\tab \up0 \e
xpndtw-1\charscalex100 450,000\tab \up0 \expndtw-1\charscalex100 893,520\tab \up
0 \expndtw-1\charscalex100 893,520\par\pard\li900\sb19\sl-161\slmult0\fi194\tx70
08\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c
harscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c
harscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168

\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.S

tock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\t
x10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cas
h generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 2,457,242\tab \up0 \expndtw-1\charscalex100 406,132\tab \u
p0 \expndtw-1\charscalex100 2,173,889\tab \up0 \expndtw-1\charscalex100 8,797,05
0\tab \up0 \expndtw-1\charscalex100 10,255,250\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 4,297,712\tab \up0 \expndtw-1\charscalex1
00 3,064,151\tab \up0 \expndtw-1\charscalex100 8,660,685\tab \up0 \expndtw-1\cha
rscalex100 14,532,742\tab \up0 \expndtw-1\charscalex100 12,436,239\par\pard\li90
0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult
0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 67.20%\tab \up0 \expndtw-1\charscalex100 43.60%\
tab \up0 \expndtw-1\charscalex100 35.49%\tab \up0 \expndtw-1\charscalex100 24.57
%\tab \up0 \expndtw-1\charscalex100 25.35%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.86%\tab \up0 \expndtw-1\charscal
ex100 2.80%\tab \up0 \expndtw-1\charscalex100 3.44%\tab \up0 \expndtw-1\charscal
ex100 0.89%\tab \up0 \expndtw-1\charscalex100 2.34%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.02\tab \up0 \expndtw-1\charsca
lex100 -0.06\tab \up0 \expndtw-1\charscalex100 -0.16\tab \up0 \expndtw-1\charsca
lex100 -0.15\tab \up0 \expndtw-1\charscalex100 0.06\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6975\tx8055\tx9135\tx10215\tx11358 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.64%\tab \up0 \expndtw-1\charsc
alex100 -1.57%\tab \up0 \expndtw-1\charscalex100 -2.85%\tab \up0 \expndtw-1\char
scalex100 -1.71%\tab \up0 \expndtw-1\charscalex100 0.57%\par\pard\li900\sb19\sl161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total asset
s (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.71%
\tab \up0 \expndtw-1\charscalex100 0.58%\tab \up0 \expndtw-1\charscalex100 1.53%
\tab \up0 \expndtw-1\charscalex100 0.41%\tab \up0 \expndtw-1\charscalex100 0.66%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10215\tx11358 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest
income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 2.78%\tab \up0 \expndtw-1\charscalex100 2.81%\tab \
up0 \expndtw-1\charscalex100 1.70%\tab \up0 \expndtw-1\charscalex100 -0.37%\tab
\up0 \expndtw-1\charscalex100 2.65%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 32.80%\tab \up0 \exp
ndtw-1\charscalex100 56.40%\tab \up0 \expndtw-1\charscalex100 64.51%\tab \up0 \e
xpndtw-1\charscalex100 75.43%\tab \up0 \expndtw-1\charscalex100 74.65%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit befo
re tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 -4.73\tab \up0 \expndtw-1\charscalex100 -2.43\tab \up0 \expndtw-1\charsc
alex100 -1.77\tab \up0 \expndtw-1\charscalex100 -0.96\tab \up0 \expndtw-1\charsc
alex100 3.97\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-mar

kup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex

100 \ul0\nosupersub\cf56\f57\fs12 88.90%\tab \up0 \expndtw-1\charscalex100 82.27
%\tab \up0 \expndtw-1\charscalex100 64.80%\tab \up0 \expndtw-1\charscalex100 65.
22%\tab \up0 \expndtw-1\charscalex100 26.83%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.20\ta
b \up0 \expndtw-1\charscalex100 9.98\tab \up0 \expndtw-1\charscalex100 4.67\tab
\up0 \expndtw-1\charscalex100 6.11\tab \up0 \expndtw-1\charscalex100 3.96\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.19\tab \up0
\expndtw-1\charscalex100 -0.58\tab \up0 \expndtw-1\charscalex100 -1.25\tab \up0
\expndtw-1\charscalex100 -1.16\tab \up0 \expndtw-1\charscalex100 0.46\par\pard\
li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8
118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 15.78%\tab \up0 \expndtw-1\charscalex1
00 6.68%\tab \up0 \expndtw-1\charscalex100 11.62%\tab \up0 \expndtw-1\charscalex
100 19.53%\tab \up0 \expndtw-1\charscalex100 15.88%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.44%\tab \up0 \expndtw-1\cha
rscalex100 16.67%\tab \up0 \expndtw-1\charscalex100 16.99%\tab \up0 \expndtw-1\c
harscalex100 25.70%\tab \up0 \expndtw-1\charscalex100 36.09%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total ass
ets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 29.32
%\tab \up0 \expndtw-1\charscalex100 47.03%\tab \up0 \expndtw-1\charscalex100 47.
76%\tab \up0 \expndtw-1\charscalex100 44.27%\tab \up0 \expndtw-1\charscalex100 3
8.06%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to tot
al assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
50.92%\tab \up0 \expndtw-1\charscalex100 65.87%\tab \up0 \expndtw-1\charscalex1
00 76.31%\tab \up0 \expndtw-1\charscalex100 81.17%\tab \up0 \expndtw-1\charscale
x100 84.86%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total lia
bilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 57.28%\tab \up0 \expndtw-1\charscalex100 75.40%\tab \up0 \expndtw
-1\charscalex100 82.33%\tab \up0 \expndtw-1\charscalex100 89.93%\tab \up0 \expnd
tw-1\charscalex100 91.01%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058
\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 57.63%\tab \up0 \expndtw-1\charscalex100 71.50%\tab \up
0 \expndtw-1\charscalex100 64.72%\tab \up0 \expndtw-1\charscalex100 58.43%\tab \
up0 \expndtw-1\charscalex100 48.09%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 56.77%\tab \up0 \expndtw-1\char
scalex100 67.04%\tab \up0 \expndtw-1\charscalex100 64.63%\tab \up0 \expndtw-1\ch
arscalex100 55.34%\tab \up0 \expndtw-1\charscalex100 46.77%\par\pard\li900\sb15\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 0.08%\tab \up0 \expndtw-1\charscalex100 0.17%\t
ab \up0 \expndtw-1\charscalex100 12.44%\tab \up0 \expndtw-1\charscalex100 12.96%
\tab \up0 \expndtw-1\charscalex100 15.09%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7304\tx8384\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosup

ersub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2

\expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.29%\tab \up0 \expndtw-1\charsc
alex100 6.67%\tab \up0 \expndtw-1\charscalex100 6.73%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.08%\tab \up0 \expndtw-1\c
harscalex100 0.33%\tab \up0 \expndtw-1\charscalex100 34.81%\tab \up0 \expndtw-1\
charscalex100 54.27%\tab \up0 \expndtw-1\charscalex100 61.23%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6903\tx8058\tx9063\tx10218\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/
C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 375.68%\tab
\up0 \expndtw-1\charscalex100 16.20%\tab \up0 \expndtw-1\charscalex100 107.18%\t
ab \up0 \expndtw-1\charscalex100 39.75%\tab \up0 \expndtw-1\charscalex100 11.41%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8058\tx9138\tx10218\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against N
PL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 100.00%\tab \up0 \expndtw-1\charscalex100 82.60%\tab \up0 \expndtw-1\charscal
ex100 26.44%\tab \up0 \expndtw-1\charscalex100 51.48%\tab \up0 \expndtw-1\charsc
alex100 44.58%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1
\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31.45%\tab \up0 \expndtw-1\charscal
ex100 24.50%\tab \up0 \expndtw-1\charscalex100 17.65%\tab \up0 \expndtw-1\charsc
alex100 11.33%\tab \up0 \expndtw-1\charscalex100 10.05%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity
(E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
.53\tab \up0 \expndtw-1\charscalex100 0.76\tab \up0 \expndtw-1\charscalex100 2.4
8\tab \up0 \expndtw-1\charscalex100 2.11\tab \up0 \expndtw-1\charscalex100 1.71\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per s
hare (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.37
\tab \up0 \expndtw-1\charscalex100 9.00\tab \up0 \expndtw-1\charscalex100 7.75\t
ab \up0 \expndtw-1\charscalex100 7.70\tab \up0 \expndtw-1\charscalex100 8.16\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total
equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1.62\tab \up0 \expndtw-1\charscalex100 2.69\tab \up0 \expndtw-1\charscalex
100 4.32\tab \up0 \expndtw-1\charscalex100 7.17\tab \up0 \expndtw-1\charscalex10
0 8.44\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\f
i0\tx7004\tx8160\tx9240\tx10320\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Cash generated from opration activities to profit after ta
x (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 -42.74\tab \up0 \expndtw-1\charscalex100 -1.56\tab \up0 \expndtw-1\charscalex
100 -3.85\tab \up0 \expndtw-1\charscalex100 -8.46\tab \up0 \expndtw-1\charscalex
100 24.99\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\
slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 36
{\shp {\*\shpinst\shpleft900\shptop14760\shpright11790\shpbottom14760\shpfhdr0\s
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g45}{\bkmkend Pg45}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 ALLIED BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\
tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18
,408,391\tab \up0 \expndtw-1\charscalex100 20,805,117\tab \up0 \expndtw-1\charsc
alex100 25,857,515\tab \up0 \expndtw-1\charscalex100 31,191,174\tab \up0 \expndt
w-1\charscalex100 37,761,572\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 5,386,370\tab \up0 \expndtw-1\charscalex100 6,463,644\tab \up0 \expndtw-1\
charscalex100 7,110,008\tab \up0 \expndtw-1\charscalex100 7,821,009\tab \up0 \ex
pndtw-1\charscalex100 8,603,110\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 6,050,713\tab \up0 \expndtw-1\charscalex100 5,804,776\tab \up0 \expndtw-1\c
harscalex100 6,582,845\tab \up0 \expndtw-1\charscalex100 7,516,910\tab \up0 \exp
ndtw-1\charscalex100 8,762,745\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 6,971,308\tab \up0 \expndtw-1\charscalex100 8,536,697\tab \up0
\expndtw-1\charscalex100 12,164,662\tab \up0 \expndtw-1\charscalex100 15,853,255
\tab \up0 \expndtw-1\charscalex100 20,395,717\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n

osupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers

ub\cf56\f57\fs12 1,469,851\tab \up0 \expndtw-1\charscalex100 1,550,497\tab \up0
\expndtw-1\charscalex100 4,062,279\tab \up0 \expndtw-1\charscalex100 4,798,456\t
ab \up0 \expndtw-1\charscalex100 5,717,786\par\pard\li900\sb39\sl-155\slmult0\fi
44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 300,231,481\tab \up0 \expndtw-1\charscalex100 3
44,340,055\tab \up0 \expndtw-1\charscalex100 388,421,058\tab \up0 \expndtw-1\cha
rscalex100 413,976,778\tab \up0 \expndtw-1\charscalex100 472,409,254\par\pard\li
900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,494,384\tab \up0 \expndtw-1\char
scalex100 2,952,490\tab \up0 \expndtw-1\charscalex100 3,162,429\tab \up0 \expndt
w-1\charscalex100 4,118,791\tab \up0 \expndtw-1\charscalex100 4,015,317\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial ins
titutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,933
,656\tab \up0 \expndtw-1\charscalex100 27,778,151\tab \up0 \expndtw-1\charscalex
100 39,818,532\tab \up0 \expndtw-1\charscalex100 20,774,450\tab \up0 \expndtw-1\
charscalex100 49,993,200\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\
tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 263,972,382\tab \up0 \expndtw-1\charscalex100 297,475,321\tab \u
p0 \expndtw-1\charscalex100 328,872,559\tab \up0 \expndtw-1\charscalex100 371,28
0,948\tab \up0 \expndtw-1\charscalex100 399,560,790\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 9,831,059\tab \up0 \expndtw-1\charscalex1
00 16,134,093\tab \up0 \expndtw-1\charscalex100 16,567,538\tab \up0 \expndtw-1\c
harscalex100 17,802,589\tab \up0 \expndtw-1\charscalex100 18,839,947\par\pard\li
900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C1
0)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 320,109,723\t
ab \up0 \expndtw-1\charscalex100 366,695,669\tab \up0 \expndtw-1\charscalex100 4
18,340,852\tab \up0 \expndtw-1\charscalex100 449,966,408\tab \up0 \expndtw-1\cha
rscalex100 515,888,612\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8
913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 29,739,857\tab \up0 \expndtw-1\charscalex100 23,653,754\t
ab \up0 \expndtw-1\charscalex100 26,435,683\tab \up0 \expndtw-1\charscalex100 31
,265,658\tab \up0 \expndtw-1\charscalex100 36,479,765\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6918\tx7893\tx8973\tx10158\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 668,449\tab \up0 \expndtw-1\charscal
ex100 2,096,779\tab \up0 \expndtw-1\charscalex100 1,280,591\tab \up0 \expndtw-1\
charscalex100 579,700\tab \up0 \expndtw-1\charscalex100 1,679,121\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,419,241\tab \u
p0 \expndtw-1\charscalex100 15,793,183\tab \up0 \expndtw-1\charscalex100 28,122,
932\tab \up0 \expndtw-1\charscalex100 11,488,944\tab \up0 \expndtw-1\charscalex1
00 1,361,754\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx991
8\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investme
nts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 83,958,463\t
ab \up0 \expndtw-1\charscalex100 82,646,595\tab \up0 \expndtw-1\charscalex100 94
,673,100\tab \up0 \expndtw-1\charscalex100 121,158,730\tab \up0 \expndtw-1\chars
calex100 195,789,638\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx88
38\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
78,524,257\tab \up0 \expndtw-1\charscalex100 223,639,777\tab \up0 \expndtw-1\cha

rscalex100 249,925,187\tab \up0 \expndtw-1\charscalex100 268,532,972\tab \up0 \e

xpndtw-1\charscalex100 262,143,554\par\pard\li900\sb19\sl-161\slmult0\fi194\tx67
53\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 11,354,923\tab \up0 \expndtw-1\charscalex100 13
,771,895\tab \up0 \expndtw-1\charscalex100 16,281,178\tab \up0 \expndtw-1\charsc
alex100 18,688,166\tab \up0 \expndtw-1\charscalex100 20,452,465\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,116,977\tab \up0 \expnd
tw-1\charscalex100 10,667,769\tab \up0 \expndtw-1\charscalex100 12,542,665\tab \
up0 \expndtw-1\charscalex100 15,430,262\tab \up0 \expndtw-1\charscalex100 17,703
,717\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx1099
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of
provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 168,407,280\tab \up0 \expndtw-1\charscalex100 212,972,008\tab \up0 \expndtw-1\
charscalex100 237,382,522\tab \up0 \expndtw-1\charscalex100 253,102,710\tab \up0
\expndtw-1\charscalex100 244,439,837\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 7,548,628\tab \up0 \expndtw-1\charscalex100 11,134,436\tab \up0 \e
xpndtw-1\charscalex100 12,459,586\tab \up0 \expndtw-1\charscalex100 15,371,118\t
ab \up0 \expndtw-1\charscalex100 18,095,123\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 11,367,805\tab \up0 \expndtw-1\charscalex100 18,398,9
14\tab \up0 \expndtw-1\charscalex100 17,986,438\tab \up0 \expndtw-1\charscalex10
0 16,999,548\tab \up0 \expndtw-1\charscalex100 18,043,374\par\pard\li900\sb14\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.
Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx89
13\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 21,201,422\tab \up0 \expndtw-1\charscalex100 30,570,540\tab \up0 \expndtw
-1\charscalex100 41,144,667\tab \up0 \expndtw-1\charscalex100 45,011,184\tab \up
0 \expndtw-1\charscalex100 51,828,897\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 10,019,004\tab \up0 \expndtw-1\charscalex100 17,272,
724\tab \up0 \expndtw-1\charscalex100 22,421,218\tab \up0 \expndtw-1\charscalex1
00 22,465,506\tab \up0 \expndtw-1\charscalex100 26,696,185\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,182,418\tab \up0 \expndtw1\charscalex100 13,297,816\tab \up0 \expndtw-1\charscalex100 18,723,449\tab \up0
\expndtw-1\charscalex100 22,545,678\tab \up0 \expndtw-1\charscalex100 25,132,71
2\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and wri
te-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,714,84
2\tab \up0 \expndtw-1\charscalex100 3,156,001\tab \up0 \expndtw-1\charscalex100
4,511,166\tab \up0 \expndtw-1\charscalex100 4,083,385\tab \up0 \expndtw-1\charsc
alex100 3,009,024\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\
tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net
markup/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 8,467,576\tab \up0 \expndtw-1\charscalex100 10,141,81
5\tab \up0 \expndtw-1\charscalex100 14,212,283\tab \up0 \expndtw-1\charscalex100
18,462,293\tab \up0 \expndtw-1\charscalex100 22,123,688\par\pard\li900\sb19\sl161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,920,099\tab \up0 \expndtw-1\
charscalex100 4,896,915\tab \up0 \expndtw-1\charscalex100 6,078,257\tab \up0 \ex

pndtw-1\charscalex100 5,867,378\tab \up0 \expndtw-1\charscalex100 7,263,796\par\

pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest exp
enses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,434,599\
tab \up0 \expndtw-1\charscalex100 8,917,790\tab \up0 \expndtw-1\charscalex100 9,
718,918\tab \up0 \expndtw-1\charscalex100 11,914,322\tab \up0 \expndtw-1\charsca
lex100 14,129,619\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\
tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Adm
inistrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 6,018,346\tab \up0 \expndtw-1\charscalex100 8,121,805\tab \up0 \expndtw-1\c
harscalex100 9,517,584\tab \up0 \expndtw-1\charscalex100 11,344,090\tab \up0 \ex
pndtw-1\charscalex100 13,289,101\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 5,953,076\tab \up0 \expndtw-1\charscalex100 6,120,940\
tab \up0 \expndtw-1\charscalex100 10,571,622\tab \up0 \expndtw-1\charscalex100 1
2,415,279\tab \up0 \expndtw-1\charscalex100 15,257,865\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,076,158\tab \up0 \expndtw-1\c
harscalex100 4,156,686\tab \up0 \expndtw-1\charscalex100 7,149,310\tab \up0 \exp
ndtw-1\charscalex100 8,283,817\tab \up0 \expndtw-1\charscalex100 10,256,173\par\
pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7
998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 538,637\tab \up0 \expndtw-1\charscalex100 646,364\tab \up0 \expn
dtw-1\charscalex100 711,001\tab \up0 \expndtw-1\charscalex100 782,101\tab \up0 \
expndtw-1\charscalex100 860,311\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\
tx8013\tx9093\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 0.15%\tab \up0 \expndtw-1\charscalex100 25.00%\tab \up0 \expndtw-1\cha
rscalex100 40.00%\tab \up0 \expndtw-1\charscalex100 0.40%\tab \up0 \expndtw-1\ch
arscalex100 0.50%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9093\
tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.St
ock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 0.20%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \expndtw-1\cha
rscalex100 10.00%\tab \up0 \expndtw-1\charscalex100 0.10%\tab \up0 \expndtw-1\ch
arscalex100 0.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7998\tx8913\
tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cas
h generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 46,349,828\tab \up0 \expndtw-1\charscalex100 563,633\tab \
up0 \expndtw-1\charscalex100 10,687,333\tab \up0 \expndtw-1\charscalex100 36,199
,585\tab \up0 \expndtw-1\charscalex100 86,857,938\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 117,080,646\tab \up0 \expndtw-1\charsc
alex100 126,060,778\tab \up0 \expndtw-1\charscalex100 120,551,592\tab \up0 \expn
dtw-1\charscalex100 108,128,287\tab \up0 \expndtw-1\charscalex100 173,528,427\pa
r\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 52.74%\tab \up0 \expndtw-1\charscalex
100 43.50%\tab \up0 \expndtw-1\charscalex100 45.51%\tab \up0 \expndtw-1\charscal
ex100 50.09%\tab \up0 \expndtw-1\charscalex100 48.49%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.49%\tab \up0 \expndtw
-1\charscalex100 3.63%\tab \up0 \expndtw-1\charscalex100 4.48%\tab \up0 \expndtw

-1\charscalex100 5.01%\tab \up0 \expndtw-1\charscalex100 4.87%\par\pard\li900\sb

19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.22\tab \up0 \expndtw
-1\charscalex100 0.20\tab \up0 \expndtw-1\charscalex100 0.28\tab \up0 \expndtw-1
\charscalex100 0.27\tab \up0 \expndtw-1\charscalex100 0.27\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.27%\tab \up0 \expndtw-1\
charscalex100 1.13%\tab \up0 \expndtw-1\charscalex100 1.71%\tab \up0 \expndtw-1\
charscalex100 1.84%\tab \up0 \expndtw-1\charscalex100 1.99%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total as
sets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.
22%\tab \up0 \expndtw-1\charscalex100 1.34%\tab \up0 \expndtw-1\charscalex100 1.
45%\tab \up0 \expndtw-1\charscalex100 1.30%\tab \up0 \expndtw-1\charscalex100 1.
41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx1135
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/inter
est income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 2.65%\tab \up0 \expndtw-1\charscalex100 2.77%\ta
b \up0 \expndtw-1\charscalex100 3.40%\tab \up0 \expndtw-1\charscalex100 4.10%\ta
b \up0 \expndtw-1\charscalex100 4.29%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47.26%\tab \up0 \e
xpndtw-1\charscalex100 56.50%\tab \up0 \expndtw-1\charscalex100 54.49%\tab \up0
\expndtw-1\charscalex100 49.91%\tab \up0 \expndtw-1\charscalex100 51.51%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit be
fore tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1.01\tab \up0 \expndtw-1\charscalex100 1.33\tab \up0 \expndtw-1\charsc
alex100 0.90\tab \up0 \expndtw-1\charscalex100 0.91\tab \up0 \expndtw-1\charscal
ex100 0.87\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-marku
p/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 25.61%\tab \up0 \expndtw-1\charscalex100 25.14%\
tab \up0 \expndtw-1\charscalex100 20.58%\tab \up0 \expndtw-1\charscalex100 23.42
%\tab \up0 \expndtw-1\charscalex100 23.91%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (
times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.54\tab
\up0 \expndtw-1\charscalex100 1.66\tab \up0 \expndtw-1\charscalex100 1.57\tab \u
p0 \expndtw-1\charscalex100 1.93\tab \up0 \expndtw-1\charscalex100 1.83\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9243\tx10323\tx11403 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.57\tab \up0 \e
xpndtw-1\charscalex100 6.43\tab \up0 \expndtw-1\charscalex100 10.06\tab \up0 \ex
pndtw-1\charscalex100 10.59\tab \up0 \expndtw-1\charscalex100 11.92\par\pard\li9
00\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 9.50%\tab \up0 \expndtw-1\charscalex100 7
.02%\tab \up0 \expndtw-1\charscalex100 6.63%\tab \up0 \expndtw-1\charscalex100 7
.08%\tab \up0 \expndtw-1\charscalex100 7.40%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 26.23%\tab \up0 \expndtw-1\charscalex
100 22.54%\tab \up0 \expndtw-1\charscalex100 22.63%\tab \up0 \expndtw-1\charscal
ex100 26.93%\tab \up0 \expndtw-1\charscalex100 37.95%\par\pard\li900\sb19\sl-161

\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10

0 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 52.61%\tab \
up0 \expndtw-1\charscalex100 58.08%\tab \up0 \expndtw-1\charscalex100 56.74%\tab
\up0 \expndtw-1\charscalex100 56.25%\tab \up0 \expndtw-1\charscalex100 47.38%\p
ar\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total asse
ts (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 82.46%
\tab \up0 \expndtw-1\charscalex100 81.12%\tab \up0 \expndtw-1\charscalex100 78.6
1%\tab \up0 \expndtw-1\charscalex100 82.51%\tab \up0 \expndtw-1\charscalex100 77
.45%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilitie
s to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 93.79%\tab \up0 \expndtw-1\charscalex100 93.90%\tab \up0 \expndtw-1\char
scalex100 92.85%\tab \up0 \expndtw-1\charscalex100 92.00%\tab \up0 \expndtw-1\ch
arscalex100 91.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.G
ross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 67.63%\tab \up0 \expndtw-1\charscalex100 75.18%\tab \up0 \expn
dtw-1\charscalex100 75.99%\tab \up0 \expndtw-1\charscalex100 72.33%\tab \up0 \ex
pndtw-1\charscalex100 65.61%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 62.22%\tab \up0 \expndtw-1\charscalex1
00 68.76%\tab \up0 \expndtw-1\charscalex100 67.79%\tab \up0 \expndtw-1\charscale
x100 68.49%\tab \up0 \expndtw-1\charscalex100 58.31%\par\pard\li900\sb15\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Asset
s quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx
10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Nonperforming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 6.36%\tab \up0 \expndtw-1\charscalex100 6.16%\tab \up0
\expndtw-1\charscalex100 6.51%\tab \up0 \expndtw-1\charscalex100 6.96%\tab \up0
\expndtw-1\charscalex100 7.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\
tx8384\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 5.02%\tab \up0 \expndtw-1\charscalex100 5.
75%\tab \up0 \expndtw-1\charscalex100 6.75%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 61.68%\tab \up0 \expndtw-1\charscalex
100 66.19%\tab \up0 \expndtw-1\charscalex100 62.96%\tab \up0 \expndtw-1\charscal
ex100 59.91%\tab \up0 \expndtw-1\charscalex100 54.16%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26.83%\tab \up0 \exp
ndtw-1\charscalex100 29.58%\tab \up0 \expndtw-1\charscalex100 35.97%\tab \up0 \e
xpndtw-1\charscalex100 26.46%\tab \up0 \expndtw-1\charscalex100 17.00%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs
(C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89.10%\
tab \up0 \expndtw-1\charscalex100 77.46%\tab \up0 \expndtw-1\charscalex100 77.04
%\tab \up0 \expndtw-1\charscalex100 82.57%\tab \up0 \expndtw-1\charscalex100 86.
56%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slm
ult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 5.75%\tab \up0 \expndtw-1\charscalex100 5.67%\
tab \up0 \expndtw-1\charscalex100 6.18%\tab \up0 \expndtw-1\charscalex100 6.93%\
tab \up0 \expndtw-1\charscalex100 7.32%\par\pard\li900\sb19\sl-161\slmult0\fi194

\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosuper

sub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.36\tab \up0 \ex
pndtw-1\charscalex100 6.06\tab \up0 \expndtw-1\charscalex100 4.66\tab \up0 \expn
dtw-1\charscalex100 3.47\tab \up0 \expndtw-1\charscalex100 4.60\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.18\tab \up0 \expn
dtw-1\charscalex100 32.19\tab \up0 \expndtw-1\charscalex100 36.37\tab \up0 \expn
dtw-1\charscalex100 39.88\tab \up0 \expndtw-1\charscalex100 43.89\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/
A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14.34
\tab \up0 \expndtw-1\charscalex100 14.30\tab \up0 \expndtw-1\charscalex100 12.72
\tab \up0 \expndtw-1\charscalex100 11.90\tab \up0 \expndtw-1\charscalex100 10.58
\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7
083\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Cash generated from opration activities to profit after tax (E4/
D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.
37\tab \up0 \expndtw-1\charscalex100 0.14\tab \up0 \expndtw-1\charscalex100 1.49
\tab \up0 \expndtw-1\charscalex100 4.37\tab \up0 \expndtw-1\charscalex100 8.47\p
ar\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \pa
r\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 37
{\shp {\*\shpinst\shpleft900\shptop14760\shpright11790\shpbottom14760\shpfhdr0\s
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xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz29\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 3510}}{\sp{\sn geoBottom}{\sv 188}}{\sp{\sn shapePath}{\sv 4}}
{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;9;16384;45824;1;45824;1;45824;1;45824;32768}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g46}{\bkmkend Pg46}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 ASKARI BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\
tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12
,099,645\tab \up0 \expndtw-1\charscalex100 12,034,895\tab \up0 \expndtw-1\charsc
alex100 13,164,224\tab \up0 \expndtw-1\charscalex100 14,819,933\tab \up0 \expndt
w-1\charscalex100 16,585,997\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 3,006,499\tab \up0 \expndtw-1\charscalex100 4,058,774\tab \up0 \expndtw-1\
charscalex100 5,073,467\tab \up0 \expndtw-1\charscalex100 6,427,440\tab \up0 \ex
pndtw-1\charscalex100 7,070,184\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 6,948,336\tab \up0 \expndtw-1\charscalex100 7,667,141\tab \up0 \expndtw-1\c
harscalex100 7,287,041\tab \up0 \expndtw-1\charscalex100 7,712,855\tab \up0 \exp
ndtw-1\charscalex100 8,135,795\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2,144,810\tab \up0 \expndtw-1\charscalex100 308,980\tab \up0 \
expndtw-1\charscalex100 803,716\tab \up0 \expndtw-1\charscalex100 679,638\tab \u
p0 \expndtw-1\charscalex100 1,380,018\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 166,342\tab \up0 \expndtw-1\charscalex100 936,468\tab \up0 \expndtw-1\c
harscalex100 1,823,647\tab \up0 \expndtw-1\charscalex100 1,212,292\tab \up0 \exp
ndtw-1\charscalex100 1,295,861\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6678\tx
7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 169,905,898\tab \up0 \expndtw-1\charscalex100 193,219,775\t
ab \up0 \expndtw-1\charscalex100 239,365,567\tab \up0 \expndtw-1\charscalex100 2
98,747,904\tab \up0 \expndtw-1\charscalex100 325,983,862\par\pard\li900\sb6\sl-1
61\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2,627,051\tab \up0 \expndtw-1\charscalex100 2,
584,828\tab \up0 \expndtw-1\charscalex100 2,945,670\tab \up0 \expndtw-1\charscal
ex100 3,089,984\tab \up0 \expndtw-1\charscalex100 2,756,032\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,553,525\tab \up
0 \expndtw-1\charscalex100 15,190,148\tab \up0 \expndtw-1\charscalex100 19,300,1
63\tab \up0 \expndtw-1\charscalex100 25,554,777\tab \up0 \expndtw-1\charscalex10
0 17,274,979\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx991
8\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits
and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 143,036,707\tab \up0 \expndtw-1\charscalex100 167,676,572\tab \up0 \expndtw1\charscalex100 205,912,903\tab \up0 \expndtw-1\charscalex100 255,908,149\tab \u
p0 \expndtw-1\charscalex100 291,499,395\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers

ub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul

0\nosupersub\cf56\f57\fs12 6,688,615\tab \up0 \expndtw-1\charscalex100 7,768,227
\tab \up0 \expndtw-1\charscalex100 11,206,831\tab \up0 \expndtw-1\charscalex100
14,194,994\tab \up0 \expndtw-1\charscalex100 14,453,456\par\pard\li900\sb39\sl-1
55\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 182,171,885\tab \up0 \expn
dtw-1\charscalex100 206,191,138\tab \up0 \expndtw-1\charscalex100 254,353,438\ta
b \up0 \expndtw-1\charscalex100 314,780,129\tab \up0 \expndtw-1\charscalex100 34
3,865,720\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx
11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and bal
ances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 13,356,055\tab \up0 \expndtw-1\charscalex100 16,029,635\tab \up0 \expn
dtw-1\charscalex100 19,385,850\tab \up0 \expndtw-1\charscalex100 22,565,190\tab
\up0 \expndtw-1\charscalex100 26,168,206\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 3,497,054\tab \up0 \expndtw-1\charscalex100 3,954
,814\tab \up0 \expndtw-1\charscalex100 8,374,640\tab \up0 \expndtw-1\charscalex1
00 3,787,538\tab \up0 \expndtw-1\charscalex100 6,236,116\par\pard\li900\sb19\sl161\slmult0\fi194\tx6753\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,444,143\tab \up0 \expn
dtw-1\charscalex100 4,479,754\tab \up0 \expndtw-1\charscalex100 4,649,059\tab \u
p0 \expndtw-1\charscalex100 9,194,186\tab \up0 \expndtw-1\charscalex100 1,613,58
4\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9918\tx10998 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39,431,005\tab \up0 \ex
pndtw-1\charscalex100 35,677,755\tab \up0 \expndtw-1\charscalex100 66,885,617\ta
b \up0 \expndtw-1\charscalex100 102,100,063\tab \up0 \expndtw-1\charscalex100 13
3,655,387\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\t
x10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advan
ces\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 108,188,767\
tab \up0 \expndtw-1\charscalex100 139,830,973\tab \up0 \expndtw-1\charscalex100
147,633,745\tab \up0 \expndtw-1\charscalex100 168,435,880\tab \up0 \expndtw-1\ch
arscalex100 167,381,246\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\t
x8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 6,907,591\tab \up0 \expndtw-1\charscalex100 11,689,417\tab
\up0 \expndtw-1\charscalex100 17,725,451\tab \up0 \expndtw-1\charscalex100 21,5
98,648\tab \up0 \expndtw-1\charscalex100 23,645,541\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 7,408,605\tab \up0 \expndtw-1\charscal
ex100 11,012,731\tab \up0 \expndtw-1\charscalex100 12,593,844\tab \up0 \expndtw1\charscalex100 15,651,626\tab \up0 \expndtw-1\charscalex100 16,668,690\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5
-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100,780,162
\tab \up0 \expndtw-1\charscalex100 128,818,242\tab \up0 \expndtw-1\charscalex100
135,039,901\tab \up0 \expndtw-1\charscalex100 152,784,254\tab \up0 \expndtw-1\c
harscalex100 150,712,556\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx9993\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
5,128,428\tab \up0 \expndtw-1\charscalex100 8,266,458\tab \up0 \expndtw-1\chars
calex100 9,332,361\tab \up0 \expndtw-1\charscalex100 10,084,422\tab \up0 \expndt
w-1\charscalex100 9,451,033\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx78
93\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 5,535,038\tab \up0 \expndtw-1\charscalex100 8,964,480\tab \up0 \expnd

tw-1\charscalex100 10,686,010\tab \up0 \expndtw-1\charscalex100 14,264,476\tab \

up0 \expndtw-1\charscalex100 16,028,838\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss acco
unt\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest ea
rned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,143,241\
tab \up0 \expndtw-1\charscalex100 18,393,313\tab \up0 \expndtw-1\charscalex100 2
2,590,230\tab \up0 \expndtw-1\charscalex100 27,954,956\tab \up0 \expndtw-1\chars
calex100 32,768,950\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx891
3\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.M
arkup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 8,685,624\tab \up0 \expndtw-1\charscalex100 10,650,719\tab \up0 \expnd
tw-1\charscalex100 13,542,210\tab \up0 \expndtw-1\charscalex100 17,931,715\tab \
up0 \expndtw-1\charscalex100 22,699,089\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 6,457,617\tab \up0 \expndtw-1\charscalex100 7,74
2,594\tab \up0 \expndtw-1\charscalex100 9,048,020\tab \up0 \expndtw-1\charscalex
100 10,023,241\tab \up0 \expndtw-1\charscalex100 10,069,861\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,921,741\tab \up0 \expndtw-1\
charscalex100 4,072,597\tab \up0 \expndtw-1\charscalex100 2,914,893\tab \up0 \ex
pndtw-1\charscalex100 3,035,725\tab \up0 \expndtw-1\charscalex100 1,771,471\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest in
come after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2,535,876\tab \up0 \expndtw-1\charscalex100 3,669,997\tab \up0 \expndtw-1\
charscalex100 6,133,127\tab \up0 \expndtw-1\charscalex100 6,987,516\tab \up0 \ex
pndtw-1\charscalex100 8,298,390\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 4,565,496\tab \up0 \expndtw-1\charscalex100 2,707,000\t
ab \up0 \expndtw-1\charscalex100 2,625,545\tab \up0 \expndtw-1\charscalex100 2,2
34,053\tab \up0 \expndtw-1\charscalex100 3,017,770\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,801,587\tab \up0 \expndtw-1\char
scalex100 5,915,615\tab \up0 \expndtw-1\charscalex100 7,159,061\tab \up0 \expndt
w-1\charscalex100 8,009,956\tab \up0 \expndtw-1\charscalex100 8,874,165\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,789,536\tab \up0 \
expndtw-1\charscalex100 5,904,169\tab \up0 \expndtw-1\charscalex100 7,124,693\ta
b \up0 \expndtw-1\charscalex100 7,937,367\tab \up0 \expndtw-1\charscalex100 8,78
7,381\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\tx10053\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss)
before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
2,299,785\tab \up0 \expndtw-1\charscalex100 461,382\tab \up0 \expndtw-1\charscal
ex100 1,599,691\tab \up0 \expndtw-1\charscalex100 1,249,627\tab \up0 \expndtw-1\
charscalex100 2,454,944\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\t
x8973\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2,681,012\tab \up0 \expndtw-1\charscalex100 386,225\tab \up0 \
expndtw-1\charscalex100 1,068,864\tab \up0 \expndtw-1\charscalex100 919,461\tab
\up0 \expndtw-1\charscalex100 1,705,207\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pa
rd\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 300,650\tab \up0 \ex

pndtw-1\charscalex100 405,877\tab \up0 \expndtw-1\charscalex100 507,347\tab \up0

\expndtw-1\charscalex100 642,744\tab \up0 \expndtw-1\charscalex100 707,018\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.15%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7008\tx8013\tx9093\tx10248\tx11328 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.35%\tab \up0 \expndtw-1\ch
arscalex100 25.00%\tab \up0 \expndtw-1\charscalex100 20.00%\tab \up0 \expndtw-1\
charscalex100 0.01%\tab \up0 \expndtw-1\charscalex100 0.15%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,370,382\tab \u
p0 \expndtw-1\charscalex100 2,596,563\tab \up0 \expndtw-1\charscalex100 36,871,2
25\tab \up0 \expndtw-1\charscalex100 35,789,356\tab \up0 \expndtw-1\charscalex10
0 36,472,843\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx991
8\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitme
nts and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 145,064,726\tab \up0 \expndtw-1\charscalex100 202,238,722\tab \up0 \expndtw
-1\charscalex100 106,574,473\tab \up0 \expndtw-1\charscalex100 196,716,932\tab \
up0 \expndtw-1\charscalex100 165,250,062\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios
/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 42.64%\tab \up0 \expndtw-1\charscalex100 42.09%\tab \up0 \expndtw-1\charsc
alex100 40.05%\tab \up0 \expndtw-1\charscalex100 35.85%\tab \up0 \expndtw-1\char
scalex100 30.73%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\t
x10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net
markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 3.54%\tab \up0 \expndtw-1\charscalex100 3.76%\tab \up0 \expn
dtw-1\charscalex100 3.56%\tab \up0 \expndtw-1\charscalex100 3.18%\tab \up0 \expn
dtw-1\charscalex100 2.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.22\tab \up0 \expndtw-1\charscalex100 0.03\tab \up0 \expnd
tw-1\charscalex100 0.08\tab \up0 \expndtw-1\charscalex100 0.06\tab \up0 \expndtw
-1\charscalex100 0.10\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9
198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 1.47%\tab \up0 \expndtw-1\charscalex100 0.19%\tab \up0 \expndtw
-1\charscalex100 0.42%\tab \up0 \expndtw-1\charscalex100 0.29%\tab \up0 \expndtw
-1\charscalex100 0.50%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx
9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 2.51%\tab \up0 \expndtw-1\charscalex100
1.31%\tab \up0 \expndtw-1\charscalex100 1.03%\tab \up0 \expndtw-1\charscalex100
0.71%\tab \up0 \expndtw-1\charscalex100 0.88%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to total as
sets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.39%
\tab \up0 \expndtw-1\charscalex100 1.78%\tab \up0 \expndtw-1\charscalex100 2.41%
\tab \up0 \expndtw-1\charscalex100 2.22%\tab \up0 \expndtw-1\charscalex100 2.41%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest exp
ense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 57.36%\tab \up0 \expndtw-1\charscalex100 57.91%\tab \up
0 \expndtw-1\charscalex100 59.95%\tab \up0 \expndtw-1\charscalex100 64.15%\tab \

up0 \expndtw-1\charscalex100 69.27%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7

143\tx8163\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.08\tab \up0 \expndtw-1\ch
arscalex100 12.80\tab \up0 \expndtw-1\charscalex100 4.45\tab \up0 \expndtw-1\cha
rscalex100 6.35\tab \up0 \expndtw-1\charscalex100 3.58\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to total income
D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.3
6%\tab \up0 \expndtw-1\charscalex100 28.04%\tab \up0 \expndtw-1\charscalex100 28
.39%\tab \up0 \expndtw-1\charscalex100 26.53%\tab \up0 \expndtw-1\charscalex100
24.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx1
1463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expen
se to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 1.05\tab \up0 \expndtw-1\charscalex100 2.18\t
ab \up0 \expndtw-1\charscalex100 2.71\tab \up0 \expndtw-1\charscalex100 3.55\tab
\up0 \expndtw-1\charscalex100 2.91\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 8.92\tab \up0 \expndtw-1\charscalex100 0.95\tab \up0
\expndtw-1\charscalex100 2.11\tab \up0 \expndtw-1\charscalex100 1.43\tab \up0 \
expndtw-1\charscalex100 2.41\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li9
00\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10278\tx11358 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total a
ssets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
9.25%\tab \up0 \expndtw-1\charscalex100 9.69%\tab \up0 \expndtw-1\charscalex100
10.91%\tab \up0 \expndtw-1\charscalex100 8.37%\tab \up0 \expndtw-1\charscalex100
9.42%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to
total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 21.64%\tab \up0 \expndtw-1\charscalex100 17.30%\tab \up0 \expndtw-1\charsca
lex100 26.30%\tab \up0 \expndtw-1\charscalex100 32.44%\tab \up0 \expndtw-1\chars
calex100 38.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Adva
nces net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 55.32%\tab \up0 \expndtw-1\charscalex100 62.48%\ta
b \up0 \expndtw-1\charscalex100 53.09%\tab \up0 \expndtw-1\charscalex100 48.54%\
tab \up0 \expndtw-1\charscalex100 43.83%\par\pard\li900\sb39\sl-155\slmult0\fi44
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 78.52%\tab \up0 \expndtw-1\charscalex100 81.
32%\tab \up0 \expndtw-1\charscalex100 80.96%\tab \up0 \expndtw-1\charscalex100 8
1.30%\tab \up0 \expndtw-1\charscalex100 84.77%\par\pard\li900\sb6\sl-161\slmult0
\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93.27%\tab \up0 \expndtw-1\cha
rscalex100 93.71%\tab \up0 \expndtw-1\charscalex100 94.11%\tab \up0 \expndtw-1\c
harscalex100 94.91%\tab \up0 \expndtw-1\charscalex100 94.80%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.64%\tab \up0 \exp
ndtw-1\charscalex100 83.39%\tab \up0 \expndtw-1\charscalex100 71.70%\tab \up0 \e
xpndtw-1\charscalex100 65.82%\tab \up0 \expndtw-1\charscalex100 57.42%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing &
deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 67.37%\tab \up0 \expndtw-1\charscalex100 76.47%\tab \up0 \expndtw-1\charscal
ex100 65.55%\tab \up0 \expndtw-1\charscalex100 59.84%\tab \up0 \expndtw-1\charsc
alex100 54.21%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale

x100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl

-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/
C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.38%\tab \u
p0 \expndtw-1\charscalex100 8.36%\tab \up0 \expndtw-1\charscalex100 12.01%\tab \
up0 \expndtw-1\charscalex100 12.82%\tab \up0 \expndtw-1\charscalex100 14.13%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9198\tx10278\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs
to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 8.53%\tab \up0 \expndtw-1\charscalex100 9.29%\tab \up0 \expndtw-1\charscalex1
00 9.96%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9063\tx10143\t
x11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to sha
reholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 57.09%\tab \up0 \expndtw-1\charscalex100 97.13%\tab \up0 \expndtw-1\char
scalex100 134.65%\tab \up0 \expndtw-1\charscalex100 145.74%\tab \up0 \expndtw-1\
charscalex100 142.56%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9
138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 52.93%\tab \up0 \expndtw-1\charscalex100 36.98%\tab
\up0 \expndtw-1\charscalex100 23.15%\tab \up0 \expndtw-1\charscalex100 19.40%\ta
b \up0 \expndtw-1\charscalex100 10.63%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6903\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 107.25%\tab \up0 \expndtw-1\charscalex1
00 94.21%\tab \up0 \expndtw-1\charscalex100 71.05%\tab \up0 \expndtw-1\charscale
x100 72.47%\tab \up0 \expndtw-1\charscalex100 70.49%\par\pard\li900\sb14\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capit
al /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118\tx9198
\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
apital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 6.64%\tab \up0 \expndtw-1\charscalex100 5.84%\tab \up0 \expndtw-1\charscalex1
00 5.18%\tab \up0 \expndtw-1\charscalex100 4.71%\tab \up0 \expndtw-1\charscalex1
00 4.82%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10323\t
x11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments
& contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 11.99\tab \up0 \expndtw-1\charscalex100 16.80\ta
b \up0 \expndtw-1\charscalex100 8.10\tab \up0 \expndtw-1\charscalex100 13.27\tab
\up0 \expndtw-1\charscalex100 9.96\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 40.24\tab \up0 \expndtw-1\charscalex100 29.65\ta
b \up0 \expndtw-1\charscalex100 25.95\tab \up0 \expndtw-1\charscalex100 23.06\ta
b \up0 \expndtw-1\charscalex100 23.46\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.82\tab \up0 \expndtw-1\charsca
lex100 13.93\tab \up0 \expndtw-1\charscalex100 15.64\tab \up0 \expndtw-1\charsca
lex100 17.27\tab \up0 \expndtw-1\charscalex100 17.58\par\pard\ql \li944\sb7\sl-1
84\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash fl
ow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9243\tx10323\tx
11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generat
ed from opration activities to profit after tax (E4/D10) (times)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.12\tab \up0 \expndtw-1\charsc
alex100 6.72\tab \up0 \expndtw-1\charscalex100 34.50\tab \up0 \expndtw-1\charsca
lex100 38.92\tab \up0 \expndtw-1\charscalex100 21.39\par\pard\ql \li6089\sb0\sl161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-16
1\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 38
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g47}{\bkmkend Pg47}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 BANK AL-HABIB LIMITED\tab \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0
\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\cha
rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8913\tx999
3\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total eq
uity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
8,013,757\tab \up0 \expndtw-1\charscalex100 9,967,204\tab \up0 \expndtw-1\charsc
alex100 12,286,874\tab \up0 \expndtw-1\charscalex100 14,744,106\tab \up0 \expndt
w-1\charscalex100 17,878,659\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 3,681,068\tab \up0 \expndtw-1\charscalex100 4,785,388\tab \up0 \expndtw-1\
charscalex100 6,101,370\tab \up0 \expndtw-1\charscalex100 7,321,643\tab \up0 \ex
pndtw-1\charscalex100 8,785,972\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 2,527,949\tab \up0 \expndtw-1\charscalex100 3,062,830\tab \up0 \expndtw-1\c

harscalex100 3,664,925\tab \up0 \expndtw-1\charscalex100 4,392,264\tab \up0 \exp

ndtw-1\charscalex100 5,324,689\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1,804,740\tab \up0 \expndtw-1\charscalex100 2,118,986\tab \up0
\expndtw-1\charscalex100 2,520,579\tab \up0 \expndtw-1\charscalex100 3,030,199\
tab \up0 \expndtw-1\charscalex100 3,767,998\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 311,561\tab \up0 \expndtw-1\charscalex100 1,665,205\tab \up0 \exp
ndtw-1\charscalex100 1,818,084\tab \up0 \expndtw-1\charscalex100 1,472,677\tab \
up0 \expndtw-1\charscalex100 2,132,629\par\pard\li900\sb39\sl-155\slmult0\fi44\t
x6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 132,908,956\tab \up0 \expndtw-1\charscalex100 165,6
90,582\tab \up0 \expndtw-1\charscalex100 235,701,642\tab \up0 \expndtw-1\charsca
lex100 285,579,563\tab \up0 \expndtw-1\charscalex100 364,514,326\par\pard\li900\
sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 2,394,482\tab \up0 \expndtw-1\charscal
ex100 2,232,334\tab \up0 \expndtw-1\charscalex100 3,187,383\tab \up0 \expndtw-1\
charscalex100 2,989,989\tab \up0 \expndtw-1\charscalex100 4,979,720\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institu
tions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,826,525\
tab \up0 \expndtw-1\charscalex100 12,369,743\tab \up0 \expndtw-1\charscalex100 3
3,517,109\tab \up0 \expndtw-1\charscalex100 22,579,348\tab \up0 \expndtw-1\chars
calex100 43,441,594\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx883
8\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.D
eposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 114,818,855\tab \up0 \expndtw-1\charscalex100 144,389,563\tab \up0 \e
xpndtw-1\charscalex100 189,280,062\tab \up0 \expndtw-1\charscalex100 249,760,885
\tab \up0 \expndtw-1\charscalex100 302,097,187\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 5,869,094\tab \up0 \expndtw-1\charscalex100 6,
698,942\tab \up0 \expndtw-1\charscalex100 9,717,088\tab \up0 \expndtw-1\charscal
ex100 10,249,341\tab \up0 \expndtw-1\charscalex100 13,995,825\par\pard\li900\sb3
9\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 141,234,274\tab \up0
\expndtw-1\charscalex100 177,322,991\tab \up0 \expndtw-1\charscalex100 249,806,
600\tab \up0 \expndtw-1\charscalex100 301,796,346\tab \up0 \expndtw-1\charscalex
100 384,525,614\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9
993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash a
nd balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 13,766,500\tab \up0 \expndtw-1\charscalex100 11,936,275\tab \up0
\expndtw-1\charscalex100 14,377,589\tab \up0 \expndtw-1\charscalex100 19,000,99
0\tab \up0 \expndtw-1\charscalex100 22,957,988\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 604,742\tab \up0 \expndtw-1\charscalex100 3
,621,152\tab \up0 \expndtw-1\charscalex100 4,626,726\tab \up0 \expndtw-1\charsca
lex100 2,132,806\tab \up0 \expndtw-1\charscalex100 6,744,643\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6813\tx7998\tx9438\tx10053\tx11597 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,112,429\tab \up0 \e
xpndtw-1\charscalex100 295,396\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \exp
ndtw-1\charscalex100 1,139,268\tab \up0 \expndtw-1\charscalex100 0\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8837\tx9917\tx10997 \dn2 \expndtw-2\

charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\ch

arscalex100 \ul0\nosupersub\cf56\f57\fs12 35,287,080\tab \up0 \expndtw-1\charsca
lex100 48,234,497\tab \up0 \expndtw-1\charscalex100 111,017,701\tab \up0 \expndt
w-1\charscalex100 137,234,656\tab \up0 \expndtw-1\charscalex100 223,105,101\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7757\tx8837\tx9917\tx10997 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 79,446,698\tab \up0 \expnd
tw-1\charscalex100 101,402,372\tab \up0 \expndtw-1\charscalex100 108,373,012\tab
\up0 \expndtw-1\charscalex100 129,083,773\tab \up0 \expndtw-1\charscalex100 119
,994,310\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx8973\tx10053\t
x11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-no
n-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 216,628\tab \up0 \expndtw-1\charscalex100 862,550\tab \up0 \expndtw-1\ch
arscalex100 2,067,656\tab \up0 \expndtw-1\charscalex100 2,943,863\tab \up0 \expn
dtw-1\charscalex100 3,203,630\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx
7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 222,318\tab \up0 \expndtw-1\charscalex100 1,205,376\tab \up
0 \expndtw-1\charscalex100 2,387,693\tab \up0 \expndtw-1\charscalex100 3,310,481
\tab \up0 \expndtw-1\charscalex100 5,131,178\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6753\tx7757\tx8837\tx9917\tx10997 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 79,224,380\tab \up0 \expndtw-1\charsca
lex100 100,196,996\tab \up0 \expndtw-1\charscalex100 105,985,319\tab \up0 \expnd
tw-1\charscalex100 125,773,292\tab \up0 \expndtw-1\charscalex100 114,863,132\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,786,287\tab \up0 \expndtw
-1\charscalex100 9,166,020\tab \up0 \expndtw-1\charscalex100 9,561,955\tab \up0
\expndtw-1\charscalex100 10,264,310\tab \up0 \expndtw-1\charscalex100 10,791,345
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,452,856\tab \
up0 \expndtw-1\charscalex100 3,872,655\tab \up0 \expndtw-1\charscalex100 4,237,3
10\tab \up0 \expndtw-1\charscalex100 6,251,024\tab \up0 \expndtw-1\charscalex100
6,063,405\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161
\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 9,945,872\tab \up0 \expndtw-1\charscalex
100 14,586,841\tab \up0 \expndtw-1\charscalex100 22,120,105\tab \up0 \expndtw-1\
charscalex100 27,480,798\tab \up0 \expndtw-1\charscalex100 36,529,237\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,764,757\tab \up0 \
expndtw-1\charscalex100 8,004,294\tab \up0 \expndtw-1\charscalex100 13,053,137\t
ab \up0 \expndtw-1\charscalex100 16,666,489\tab \up0 \expndtw-1\charscalex100 22
,372,988\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx
11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/i
nterest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
4,181,115\tab \up0 \expndtw-1\charscalex100 6,582,547\tab \up0 \expndtw-1\chars
calex100 9,066,968\tab \up0 \expndtw-1\charscalex100 10,814,309\tab \up0 \expndt
w-1\charscalex100 14,156,249\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx7
893\tx8973\tx10157\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 93,266\tab \up0 \expndtw-1\charscalex100 1,149,345\tab \up0 \
expndtw-1\charscalex100 1,183,026\tab \up0 \expndtw-1\charscalex100 946,451\tab
\up0 \expndtw-1\charscalex100 1,820,779\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expn

dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,087,849\tab \up0 \expndtw-1\

charscalex100 5,433,202\tab \up0 \expndtw-1\charscalex100 7,883,942\tab \up0 \ex
pndtw-1\charscalex100 9,867,858\tab \up0 \expndtw-1\charscalex100 12,335,470\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest i
ncome\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,130,824\
tab \up0 \expndtw-1\charscalex100 2,416,304\tab \up0 \expndtw-1\charscalex100 1,
836,082\tab \up0 \expndtw-1\charscalex100 2,187,640\tab \up0 \expndtw-1\charscal
ex100 2,607,806\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx
10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Nonmarkup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 3,166,446\tab \up0 \expndtw-1\charscalex100 4,374,426\tab \up0 \expnd
tw-1\charscalex100 5,207,953\tab \up0 \expndtw-1\charscalex100 6,331,063\tab \up
0 \expndtw-1\charscalex100 7,784,283\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 3,166,045\tab \up0 \expndtw-1\charscalex100 4,306,759\t
ab \up0 \expndtw-1\charscalex100 5,045,731\tab \up0 \expndtw-1\charscalex100 6,2
25,457\tab \up0 \expndtw-1\charscalex100 7,621,965\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,052,227\tab \up0 \expndtw-1\chars
calex100 3,578,532\tab \up0 \expndtw-1\charscalex100 4,512,071\tab \up0 \expndtw
-1\charscalex100 5,724,435\tab \up0 \expndtw-1\charscalex100 7,158,993\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,211,333\tab \
up0 \expndtw-1\charscalex100 2,425,016\tab \up0 \expndtw-1\charscalex100 2,856,2
94\tab \up0 \expndtw-1\charscalex100 3,667,980\tab \up0 \expndtw-1\charscalex100
4,537,104\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\f
i194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 368,107\tab \up0 \expndtw-1\charscalex100 478,538
\tab \up0 \expndtw-1\charscalex100 610,137\tab \up0 \expndtw-1\charscalex100 732
,164\tab \up0 \expndtw-1\charscalex100 878,597\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7008\tx8013\tx9093\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.15%\tab \up0 \expndtw-1\charscalex100 12.50%\tab \up0
\expndtw-1\charscalex100 20.00%\tab \up0 \expndtw-1\charscalex100 0.20%\tab \up
0 \expndtw-1\charscalex100 0.25%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008
\tx8013\tx9093\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.30%\tab \up0 \expndtw-1\charscalex100 27.50%\tab \up0
\expndtw-1\charscalex100 20.00%\tab \up0 \expndtw-1\charscalex100 0.20%\tab \up
0 \expndtw-1\charscalex100 0.15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753
\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 20,066,569\tab \up0 \expndtw-1\charscalex10
0 16,856,703\tab \up0 \expndtw-1\charscalex100 65,727,310\tab \up0 \expndtw-1\ch
arscalex100 30,127,758\tab \up0 \expndtw-1\charscalex100 94,364,848\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx10997 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 61,774,447\tab \up0
\expndtw-1\charscalex100 59,797,421\tab \up0 \expndtw-1\charscalex100 63,417,914
\tab \up0 \expndtw-1\charscalex100 60,004,910\tab \up0 \expndtw-1\charscalex100
106,642,467\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\par
d\li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up

0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42.04%\tab \up0 \expndt

w-1\charscalex100 45.13%\tab \up0 \expndtw-1\charscalex100 40.99%\tab \up0 \expn
dtw-1\charscalex100 39.35%\tab \up0 \expndtw-1\charscalex100 38.75%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1
-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.96%\tab
\up0 \expndtw-1\charscalex100 3.71%\tab \up0 \expndtw-1\charscalex100 3.63%\tab
\up0 \expndtw-1\charscalex100 3.58%\tab \up0 \expndtw-1\charscalex100 3.68%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE)
(D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.28\tab
\up0 \expndtw-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0.23\tab \
up0 \expndtw-1\charscalex100 0.25\tab \up0 \expndtw-1\charscalex100 0.25\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.57%\tab \u
p0 \expndtw-1\charscalex100 1.37%\tab \up0 \expndtw-1\charscalex100 1.14%\tab \u
p0 \expndtw-1\charscalex100 1.22%\tab \up0 \expndtw-1\charscalex100 1.18%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest inco
me to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1.51%\tab \up0 \expndtw-1\charscalex100 1.36%\tab \up0 \expndtw-1\ch
arscalex100 0.74%\tab \up0 \expndtw-1\charscalex100 0.72%\tab \up0 \expndtw-1\ch
arscalex100 0.68%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\
tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Ne
t markup/interest income(after prov.) to total assets(D5/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.89%\tab \up0 \expndtw-1\charscal
ex100 3.06%\tab \up0 \expndtw-1\charscalex100 3.16%\tab \up0 \expndtw-1\charscal
ex100 3.27%\tab \up0 \expndtw-1\charscalex100 3.21%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/interest inc
ome (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57.9
6%\tab \up0 \expndtw-1\charscalex100 54.87%\tab \up0 \expndtw-1\charscalex100 59
.01%\tab \up0 \expndtw-1\charscalex100 60.65%\tab \up0 \expndtw-1\charscalex100
61.25%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx1
1463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expens
e to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 1.04\tab \up0 \expndtw-1\charscalex100 1.20\tab \up0 \ex
pndtw-1\charscalex100 1.12\tab \up0 \expndtw-1\charscalex100 1.09\tab \up0 \expn
dtw-1\charscalex100 1.06\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\
tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 9.Non-markup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26.22%\tab \up0 \expndtw-1\charsca
lex100 25.73%\tab \up0 \expndtw-1\charscalex100 21.74%\tab \up0 \expndtw-1\chars
calex100 21.34%\tab \up0 \expndtw-1\charscalex100 19.89%\par\pard\li900\sb19\sl161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest in
come (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 1.49\tab \up0 \expndtw-1\charscalex100 1.78\tab \up0 \expndtw-1\charscalex1
00 2.75\tab \up0 \expndtw-1\charscalex100 2.85\tab \up0 \expndtw-1\charscalex100
2.92\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11
463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per s
hare (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.
01\tab \up0 \expndtw-1\charscalex100 5.07\tab \up0 \expndtw-1\charscalex100 4.68
\tab \up0 \expndtw-1\charscalex100 5.01\tab \up0 \expndtw-1\charscalex100 5.16\p
ar\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx
6977\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.18%\tab \up0 \expndtw-1\cha

rscalex100 8.77%\tab \up0 \expndtw-1\charscalex100 7.61%\tab \up0 \expndtw-1\cha

rscalex100 7.00%\tab \up0 \expndtw-1\charscalex100 7.72%\par\pard\li900\sb19\sl161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.98%\tab \up0 \expndtw1\charscalex100 27.20%\tab \up0 \expndtw-1\charscalex100 44.44%\tab \up0 \expndt
w-1\charscalex100 45.47%\tab \up0 \expndtw-1\charscalex100 58.02%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to tota
l assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
56.09%\tab \up0 \expndtw-1\charscalex100 56.51%\tab \up0 \expndtw-1\charscalex10
0 42.43%\tab \up0 \expndtw-1\charscalex100 41.67%\tab \up0 \expndtw-1\charscalex
100 29.87%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\
tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits t
o total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 81.30%\tab \up0 \expndtw-1\charscalex100 81.43%\tab \up0 \expndtw-1\charsc
alex100 75.77%\tab \up0 \expndtw-1\charscalex100 82.76%\tab \up0 \expndtw-1\char
scalex100 78.56%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx
10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Tota
l liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 94.11%\tab \up0 \expndtw-1\charscalex100 93.44%\tab \up0 \ex
pndtw-1\charscalex100 94.35%\tab \up0 \expndtw-1\charscalex100 94.63%\tab \up0 \
expndtw-1\charscalex100 94.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\t
x8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 69.19%\tab \up0 \expndtw-1\charscalex100 70.23%\ta
b \up0 \expndtw-1\charscalex100 57.26%\tab \up0 \expndtw-1\charscalex100 51.68%\
tab \up0 \expndtw-1\charscalex100 39.72%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 63.74%\tab \up0 \expndtw-1
\charscalex100 64.69%\tab \up0 \expndtw-1\charscalex100 48.64%\tab \up0 \expndtw
-1\charscalex100 47.40%\tab \up0 \expndtw-1\charscalex100 34.73%\par\pard\li900\
sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx81
17\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 0.27%\tab \up0 \expndtw-1\charscalex100 0.
85%\tab \up0 \expndtw-1\charscalex100 1.91%\tab \up0 \expndtw-1\charscalex100 2.
28%\tab \up0 \expndtw-1\charscalex100 2.67%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7304\tx8384\tx9464\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \d
n2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2.56%\tab \up0 \expndtw-1\charscalex100 4.28%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7037\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.70%\tab \up0 \expndtw-1\cha
rscalex100 8.65%\tab \up0 \expndtw-1\charscalex100 16.83%\tab \up0 \expndtw-1\ch
arscalex100 19.97%\tab \up0 \expndtw-1\charscalex100 17.92%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41.95%\tab \up
0 \expndtw-1\charscalex100 95.35%\tab \up0 \expndtw-1\charscalex100 49.55%\tab \
up0 \expndtw-1\charscalex100 28.59%\tab \up0 \expndtw-1\charscalex100 35.48%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL t
o NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
02.63%\tab \up0 \expndtw-1\charscalex100 139.75%\tab \up0 \expndtw-1\charscalex1
00 115.48%\tab \up0 \expndtw-1\charscalex100 112.45%\tab \up0 \expndtw-1\charsca

lex100 160.17%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale

x100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1
\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.67%\tab \up0 \expndtw-1\charscale
x100 5.62%\tab \up0 \expndtw-1\charscalex100 4.92%\tab \up0 \expndtw-1\charscale
x100 4.89%\tab \up0 \expndtw-1\charscalex100 4.65%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A
) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.71\t
ab \up0 \expndtw-1\charscalex100 6.00\tab \up0 \expndtw-1\charscalex100 5.16\tab
\up0 \expndtw-1\charscalex100 4.07\tab \up0 \expndtw-1\charscalex100 5.96\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share
(A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21.77\tab
\up0 \expndtw-1\charscalex100 20.83\tab \up0 \expndtw-1\charscalex100 20.14\tab
\up0 \expndtw-1\charscalex100 20.14\tab \up0 \expndtw-1\charscalex100 20.35\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total
equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 14.33\tab \up0 \expndtw-1\charscalex100 14.49\tab \up0 \expndtw-1\charscal
ex100 15.41\tab \up0 \expndtw-1\charscalex100 16.94\tab \up0 \expndtw-1\charscal
ex100 16.90\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmu
lt0\fi0\tx7143\tx8223\tx9243\tx10383\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Cash generated from opration activities to profit aft
er tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 9.07\tab \up0 \expndtw-1\charscalex100 6.95\tab \up0 \expndtw-1\charscal
ex100 23.01\tab \up0 \expndtw-1\charscalex100 8.21\tab \up0 \expndtw-1\charscale
x100 20.80\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161
\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 39
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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{\shp {\*\shpinst\shpleft6930\shptop539\shpright10440\shpbottom727\shpfhdr0\shpb
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid5{\sp{\sn shapeType}{\s
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g48}{\bkmkend Pg48}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 BANK ALFALAH LIMITED\tab \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\
fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nos
upersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\char
scalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsc
alex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993
\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ
ity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
3,766,673\tab \up0 \expndtw-1\charscalex100 14,608,523\tab \up0 \expndtw-1\chars
calex100 17,055,606\tab \up0 \expndtw-1\charscalex100 17,238,003\tab \up0 \expnd
tw-1\charscalex100 23,126,022\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7
893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 6,500,000\tab \up0 \expndtw-1\charscalex100 7,995,000\tab \up0 \expndtw-1\
charscalex100 13,491,563\tab \up0 \expndtw-1\charscalex100 13,491,563\tab \up0 \
expndtw-1\charscalex100 13,491,563\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 2,414,833\tab \up0 \expndtw-1\charscalex100 3,166,056\tab \up0 \expndtw1\charscalex100 3,587,969\tab \up0 \expndtw-1\charscalex100 3,819,133\tab \up0 \
expndtw-1\charscalex100 4,100,264\par\pard\li900\sb19\sl-161\slmult0\fi194\tx681
3\tx7893\tx9090\tx10170\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 4,851,840\tab \up0 \expndtw-1\charscalex100 3,447,467\tab \
up0 \expndtw-1\charscalex100 (23,926)\tab \up0 \expndtw-1\charscalex100 (72,693)
\tab \up0 \expndtw-1\charscalex100 5,534,195\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2,453,171\tab \up0 \expndtw-1\charscalex100 2,436,216\tab \up0 \
expndtw-1\charscalex100 4,626,589\tab \up0 \expndtw-1\charscalex100 4,410,008\ta
b \up0 \expndtw-1\charscalex100 2,777,242\par\pard\li900\sb39\sl-155\slmult0\fi4
4\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 312,675,308\tab \up0 \expndtw-1\charscalex100 33
1,946,025\tab \up0 \expndtw-1\charscalex100 367,612,072\tab \up0 \expndtw-1\char
scalex100 390,155,871\tab \up0 \expndtw-1\charscalex100 442,442,524\par\pard\li9
00\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,138,243\tab \up0 \expndtw-1\chars
calex100 3,452,031\tab \up0 \expndtw-1\charscalex100 3,766,144\tab \up0 \expndtw
-1\charscalex100 4,521,533\tab \up0 \expndtw-1\charscalex100 5,403,453\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial inst
itutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,230,
697\tab \up0 \expndtw-1\charscalex100 13,690,222\tab \up0 \expndtw-1\charscalex1
00 20,653,921\tab \up0 \expndtw-1\charscalex100 13,700,124\tab \up0 \expndtw-1\c

harscalex100 18,168,978\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\t
x8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 273,173,841\tab \up0 \expndtw-1\charscalex100 300,732,858\tab \up
0 \expndtw-1\charscalex100 324,743,389\tab \up0 \expndtw-1\charscalex100 354,010
,690\tab \up0 \expndtw-1\charscalex100 401,245,675\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 14,132,527\tab \up0 \expndtw-1\charscalex1
00 14,070,914\tab \up0 \expndtw-1\charscalex100 18,448,618\tab \up0 \expndtw-1\c
harscalex100 17,923,524\tab \up0 \expndtw-1\charscalex100 17,624,418\par\pard\li
900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C1
0)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 328,895,152\t
ab \up0 \expndtw-1\charscalex100 348,990,764\tab \up0 \expndtw-1\charscalex100 3
89,294,267\tab \up0 \expndtw-1\charscalex100 411,803,882\tab \up0 \expndtw-1\cha
rscalex100 468,345,788\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8
913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 29,436,378\tab \up0 \expndtw-1\charscalex100 32,687,335\t
ab \up0 \expndtw-1\charscalex100 35,056,025\tab \up0 \expndtw-1\charscalex100 41
,197,841\tab \up0 \expndtw-1\charscalex100 50,882,662\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 18,380,738\tab \up0 \expndtw-1\charsc
alex100 21,581,043\tab \up0 \expndtw-1\charscalex100 22,722,927\tab \up0 \expndt
w-1\charscalex100 16,180,533\tab \up0 \expndtw-1\charscalex100 17,424,524\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial insti
tutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,452,05
9\tab \up0 \expndtw-1\charscalex100 3,315,500\tab \up0 \expndtw-1\charscalex100
14,947,435\tab \up0 \expndtw-1\charscalex100 6,497,556\tab \up0 \expndtw-1\chars
calex100 7,765,407\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913
\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.In
vestments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 88,491
,564\tab \up0 \expndtw-1\charscalex100 75,973,238\tab \up0 \expndtw-1\charscalex
100 99,279,438\tab \up0 \expndtw-1\charscalex100 113,622,561\tab \up0 \expndtw-1
\charscalex100 166,648,636\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx775
8\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 175,678,810\tab \up0 \expndtw-1\charscalex100 197,931,671\tab \up0 \expndtw
-1\charscalex100 196,802,164\tab \up0 \expndtw-1\charscalex100 217,822,143\tab \
up0 \expndtw-1\charscalex100 211,394,376\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx8357\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 4,705,085\tab \up0 \expndtw-1\charscalex1
00 0\tab \up0 \expndtw-1\charscalex100 15,585,716\tab \up0 \expndtw-1\charscalex
100 17,710,312\tab \up0 \expndtw-1\charscalex100 19,096,614\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,479,818\tab \up0 \expndtw-1\
charscalex100 6,140,683\tab \up0 \expndtw-1\charscalex100 8,780,672\tab \up0 \ex
pndtw-1\charscalex100 10,670,089\tab \up0 \expndtw-1\charscalex100 12,925,864\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6677\tx7757\tx8837\tx9917\tx10997 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisi
on (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 171,1
98,992\tab \up0 \expndtw-1\charscalex100 191,790,988\tab \up0 \expndtw-1\charsca
lex100 188,021,492\tab \up0 \expndtw-1\charscalex100 207,152,054\tab \up0 \expnd
tw-1\charscalex100 198,468,512\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\t
x7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f

52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5

7\fs12 11,922,324\tab \up0 \expndtw-1\charscalex100 13,773,293\tab \up0 \expndtw
-1\charscalex100 14,552,454\tab \up0 \expndtw-1\charscalex100 14,251,595\tab \up
0 \expndtw-1\charscalex100 13,427,693\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 6,013,097\tab \up0 \expndtw-1\charscalex100 9,869,367\tab \
up0 \expndtw-1\charscalex100 14,714,496\tab \up0 \expndtw-1\charscalex100 12,901
,742\tab \up0 \expndtw-1\charscalex100 13,728,354\par\pard\li900\sb14\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit &
loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx999
3\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/i
nterest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
5,783,871\tab \up0 \expndtw-1\charscalex100 30,966,638\tab \up0 \expndtw-1\chars
calex100 35,554,930\tab \up0 \expndtw-1\charscalex100 37,530,398\tab \up0 \expnd
tw-1\charscalex100 44,166,897\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 16,620,963\tab \up0 \expndtw-1\charscalex100 20,494,355\tab
\up0 \expndtw-1\charscalex100 24,709,878\tab \up0 \expndtw-1\charscalex100 23,85
4,578\tab \up0 \expndtw-1\charscalex100 25,688,287\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 9,162,908\tab \up0 \expndtw-1\charsca
lex100 10,472,283\tab \up0 \expndtw-1\charscalex100 10,845,052\tab \up0 \expndtw
-1\charscalex100 13,675,820\tab \up0 \expndtw-1\charscalex100 18,478,610\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,376,711\tab \up
0 \expndtw-1\charscalex100 3,543,357\tab \up0 \expndtw-1\charscalex100 3,451,912
\tab \up0 \expndtw-1\charscalex100 2,411,846\tab \up0 \expndtw-1\charscalex100 4
,187,175\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx
11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/i
nterest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 6,786,197\tab \up0 \expndtw-1\charscalex100 6,928,926\tab \up0
\expndtw-1\charscalex100 7,393,140\tab \up0 \expndtw-1\charscalex100 11,263,974
\tab \up0 \expndtw-1\charscalex100 14,291,435\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 6,038,466\tab \up0 \expndtw-1\charscalex1
00 4,822,924\tab \up0 \expndtw-1\charscalex100 5,202,233\tab \up0 \expndtw-1\cha
rscalex100 4,903,726\tab \up0 \expndtw-1\charscalex100 5,328,223\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,289,111\tab \up0 \e
xpndtw-1\charscalex100 9,957,130\tab \up0 \expndtw-1\charscalex100 11,346,473\ta
b \up0 \expndtw-1\charscalex100 12,835,658\tab \up0 \expndtw-1\charscalex100 14,
265,285\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx1
1073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrativ
e expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,272
,587\tab \up0 \expndtw-1\charscalex100 9,805,790\tab \up0 \expndtw-1\charscalex1
00 11,009,954\tab \up0 \expndtw-1\charscalex100 12,658,021\tab \up0 \expndtw-1\c
harscalex100 13,880,361\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\t
x9077\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 4,535,552\tab \up0 \expndtw-1\charscalex100 1,794,720\tab \up0
\expndtw-1\charscalex100 437,664\tab \up0 \expndtw-1\charscalex100 2,065,110\ta
b \up0 \expndtw-1\charscalex100 5,383,151\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7893\tx9090\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscal

ex100 \ul0\nosupersub\cf56\f57\fs12 3,130,229\tab \up0 \expndtw-1\charscalex100

1,301,301\tab \up0 \expndtw-1\charscalex100 (97,904)\tab \up0 \expndtw-1\charsca
lex100 1,166,983\tab \up0 \expndtw-1\charscalex100 4,325,888\par\pard\li900\sb14
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6917\tx7997\tx8973\tx10
053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of
ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
650,000\tab \up0 \expndtw-1\charscalex100 799,500\tab \up0 \expndtw-1\charscale
x100 1,349,156\tab \up0 \expndtw-1\charscalex100 1,349,156\tab \up0 \expndtw-1\c
harscalex100 1,349,156\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx
9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.15%\tab \up0 \expndtw-1\charscalex100 50.00%\tab \up0 \expndtw-1\charscalex10
0 0.08%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.18%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9168\tx10248\tx
11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock divide
nd/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.30%\tab \up0 \expndtw-1\charscalex100 12.50%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx9993\tx11
073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated
from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 39,645,325\tab \up0 \expndtw-1\charscalex100 2,499,606\tab \up0 \expn
dtw-1\charscalex100 19,947,703\tab \up0 \expndtw-1\charscalex100 18,101,276\tab
\up0 \expndtw-1\charscalex100 53,536,423\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6677\tx7757\tx8837\tx9917\tx10997 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 124,896,380\tab \up0 \expndtw-1\charscalex100 1
21,702,262\tab \up0 \expndtw-1\charscalex100 159,052,924\tab \up0 \expndtw-1\cha
rscalex100 179,210,913\tab \up0 \expndtw-1\charscalex100 189,279,494\par\pard\li
900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmu
lt0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 35.54%\tab \up0 \expndtw-1\charscalex100 33.82
%\tab \up0 \expndtw-1\charscalex100 30.50%\tab \up0 \expndtw-1\charscalex100 36.
44%\tab \up0 \expndtw-1\charscalex100 41.84%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.79%\tab \up0 \expndtw-1\charsc
alex100 3.00%\tab \up0 \expndtw-1\charscalex100 2.79%\tab \up0 \expndtw-1\charsc
alex100 3.32%\tab \up0 \expndtw-1\charscalex100 3.95%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.23\tab \up0 \expndtw-1\charsc
alex100 0.09\tab \up0 \expndtw-1\charscalex100 -0.01\tab \up0 \expndtw-1\charsca
lex100 0.07\tab \up0 \expndtw-1\charscalex100 0.19\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7037\tx8117\tx9135\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.95%\tab \up0 \expndtw-1\charscal
ex100 0.37%\tab \up0 \expndtw-1\charscalex100 -0.03%\tab \up0 \expndtw-1\charsca
lex100 0.28%\tab \up0 \expndtw-1\charscalex100 0.92%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets
(D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.84%\tab
\up0 \expndtw-1\charscalex100 1.38%\tab \up0 \expndtw-1\charscalex100 1.34%\tab
\up0 \expndtw-1\charscalex100 1.19%\tab \up0 \expndtw-1\charscalex100 1.14%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest i
ncome(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\

nosupersub\cf56\f57\fs12 2.06%\tab \up0 \expndtw-1\charscalex100 1.99%\tab \up0

\expndtw-1\charscalex100 1.90%\tab \up0 \expndtw-1\charscalex100 2.74%\tab \up0
\expndtw-1\charscalex100 3.05%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\t
x8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 64.46%\tab \up0 \expndtw1\charscalex100 66.18%\tab \up0 \expndtw-1\charscalex100 69.50%\tab \up0 \expndt
w-1\charscalex100 63.56%\tab \up0 \expndtw-1\charscalex100 58.16%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9243\tx10383\tx11463 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before ta
x. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 1.82\tab \up0 \expndtw-1\charscalex100 5.46\tab \up0 \expndtw-1\charscalex100
25.16\tab \up0 \expndtw-1\charscalex100 6.13\tab \up0 \expndtw-1\charscalex100
2.58\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx112
97 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/inte
rest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 26.05%\tab \up0 \expndtw-1\charscalex100 27.82%\tab \u
p0 \expndtw-1\charscalex100 27.84%\tab \up0 \expndtw-1\charscalex100 30.25%\tab
\up0 \expndtw-1\charscalex100 28.82%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (times)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.37\tab \up0 \
expndtw-1\charscalex100 2.03\tab \up0 \expndtw-1\charscalex100 2.12\tab \up0 \ex
pndtw-1\charscalex100 2.58\tab \up0 \expndtw-1\charscalex100 2.61\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11463 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.82\tab \up0 \expndtw
-1\charscalex100 1.63\tab \up0 \expndtw-1\charscalex100 -0.07\tab \up0 \expndtw1\charscalex100 0.86\tab \up0 \expndtw-1\charscalex100 3.21\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\
tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Ca
sh & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 14.54%\tab \up0 \expndtw-1\charscalex100 15.55%\t
ab \up0 \expndtw-1\charscalex100 14.84%\tab \up0 \expndtw-1\charscalex100 13.93%
\tab \up0 \expndtw-1\charscalex100 14.58%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 26.91%\tab \up0 \expndtw-1\charscalex100
21.77%\tab \up0 \expndtw-1\charscalex100 25.50%\tab \up0 \expndtw-1\charscalex1
00 27.59%\tab \up0 \expndtw-1\charscalex100 35.58%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 52.05%\tab \up0
\expndtw-1\charscalex100 54.96%\tab \up0 \expndtw-1\charscalex100 48.30%\tab \u
p0 \expndtw-1\charscalex100 50.30%\tab \up0 \expndtw-1\charscalex100 42.38%\par\
pard\li900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets
(B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 83.06%\ta
b \up0 \expndtw-1\charscalex100 86.17%\tab \up0 \expndtw-1\charscalex100 83.42%\
tab \up0 \expndtw-1\charscalex100 85.97%\tab \up0 \expndtw-1\charscalex100 85.67
%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities t
o total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 95.07%\tab \up0 \expndtw-1\charscalex100 95.12%\tab \up0 \expndtw-1\charsca
lex100 94.43%\tab \up0 \expndtw-1\charscalex100 94.74%\tab \up0 \expndtw-1\chars
calex100 94.47%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx
10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gros
s advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 64.31%\tab \up0 \expndtw-1\charscalex100 65.82%\tab \up0 \expndtw

-1\charscalex100 60.60%\tab \up0 \expndtw-1\charscalex100 61.53%\tab \up0 \expnd

tw-1\charscalex100 52.68%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057
\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 59.67%\tab \up0 \expndtw-1\charscalex100
62.95%\tab \up0 \expndtw-1\charscalex100 56.98%\tab \up0 \expndtw-1\charscalex10
0 59.24%\tab \up0 \expndtw-1\charscalex100 50.40%\par\pard\li900\sb15\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets q
uality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx102
77\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-per
forming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 2.68%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 7.92%\tab \up0 \expndtw-1\charscalex100 8.13%\tab \up0 \e
xpndtw-1\charscalex100 9.03%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8
384\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\c
harscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 4.46%\tab \up0 \expndtw-1\charscalex100 4.90%
\tab \up0 \expndtw-1\charscalex100 6.11%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6977\tx8117\tx9137\tx10143\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 34.18%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 91.38%\tab \up0 \expndtw-1\charscalex10
0 102.74%\tab \up0 \expndtw-1\charscalex100 82.58%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 53.05%\tab \up0 \expndt
w-1\charscalex100 57.70%\tab \up0 \expndtw-1\charscalex100 39.31%\tab \up0 \expn
dtw-1\charscalex100 22.60%\tab \up0 \expndtw-1\charscalex100 32.39%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6977\tx8384\tx9137\tx10217\tx11297 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C
7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 95.21%\tab
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 56.34%\tab \up0 \expndtw-1\charsc
alex100 60.25%\tab \up0 \expndtw-1\charscalex100 67.69%\par\pard\li900\sb14\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Ca
pital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7037\tx8117\tx9
197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 4.19%\tab \up0 \expndtw-1\charscalex100 4.19%\tab \up0 \expndtw-1\charscal
ex100 4.38%\tab \up0 \expndtw-1\charscalex100 4.19%\tab \up0 \expndtw-1\charscal
ex100 4.94%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1032
3\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitme
nts & contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 9.07\tab \up0 \expndtw-1\charscalex100 8.33\t
ab \up0 \expndtw-1\charscalex100 9.33\tab \up0 \expndtw-1\charscalex100 10.40\ta
b \up0 \expndtw-1\charscalex100 8.18\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 21.18\tab \up0 \expndtw-1\charscalex100 18.27\t
ab \up0 \expndtw-1\charscalex100 12.64\tab \up0 \expndtw-1\charscalex100 12.78\t
ab \up0 \expndtw-1\charscalex100 17.14\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.84\tab \up0 \expndtw-1\charsc
alex100 20.59\tab \up0 \expndtw-1\charscalex100 19.04\tab \up0 \expndtw-1\charsc
alex100 20.54\tab \up0 \expndtw-1\charscalex100 17.35\par\pard\ql \li944\sb7\sl184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash f
low ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7083\tx8223\tx9104\tx10323\t
x11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash genera

ted from opration activities to profit after tax (E4/D10) (times)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.67\tab \up0 \expndtw-1\char
scalex100 1.92\tab \up0 \expndtw-1\charscalex100 -203.75\tab \up0 \expndtw-1\cha
rscalex100 15.51\tab \up0 \expndtw-1\charscalex100 12.38\par\pard\ql \li6089\sb0
\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\s
l-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 40
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g49}{\bkmkend Pg49}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 BANKISLAMI PAKISTAN LIMITED\tab \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\s
lmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw
-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2
\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.T
otal equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 3,154,623\tab \up0 \expndtw-1\charscalex100 5,181,372\tab \up0 \expndtw-1
\charscalex100 4,690,622\tab \up0 \expndtw-1\charscalex100 4,731,781\tab \up0 \e
xpndtw-1\charscalex100 5,137,695\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\

tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 3,200,000\tab \up0 \expndtw-1\charscalex100 5,279,679\tab \up0 \expndt
w-1\charscalex100 5,279,679\tab \up0 \expndtw-1\charscalex100 5,279,679\tab \up0
\expndtw-1\charscalex100 5,279,679\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
278\tx8358\tx9438\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 8,232\tab \up0 \expndtw-1\charscalex100 91,
221\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx8010\tx9030\tx10110\tx1119
0 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated
profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (45,377)\
tab \up0 \expndtw-1\charscalex100 (98,307)\tab \up0 \expndtw-1\charscalex100 (58
9,057)\tab \up0 \expndtw-1\charscalex100 (556,130)\tab \up0 \expndtw-1\charscale
x100 (233,205)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx1
0218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 690,103\tab \u
p0 \expndtw-1\charscalex100 10,449\tab \up0 \expndtw-1\charscalex100 29,776\tab
\up0 \expndtw-1\charscalex100 32,382\tab \up0 \expndtw-1\charscalex100 169,078\p
ar\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to
B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,602,747\
tab \up0 \expndtw-1\charscalex100 13,896,779\tab \up0 \expndtw-1\charscalex100 2
9,472,124\tab \up0 \expndtw-1\charscalex100 40,182,515\tab \up0 \expndtw-1\chars
calex100 53,409,760\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx7998\tx9078
\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.B
ills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 84,
998\tab \up0 \expndtw-1\charscalex100 353,646\tab \up0 \expndtw-1\charscalex100
485,608\tab \up0 \expndtw-1\charscalex100 563,020\tab \up0 \expndtw-1\charscalex
100 798,853\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx1015
8\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowin
gs from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 70,000\tab \up0 \expndtw-1\charscalex100 245,939\tab \up0 \expndt
w-1\charscalex100 156,160\tab \up0 \expndtw-1\charscalex100 353,000\tab \up0 \ex
pndtw-1\charscalex100 800,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 9,934,282\tab \up0 \expndtw-1\charscalex100 12,477,955\tab
\up0 \expndtw-1\charscalex100 27,911,651\tab \up0 \expndtw-1\charscalex100 38,10
9,790\tab \up0 \expndtw-1\charscalex100 50,468,674\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 513,467\tab \up0 \expndtw-1\charscalex100
819,239\tab \up0 \expndtw-1\charscalex100 918,705\tab \up0 \expndtw-1\charscale
x100 1,156,705\tab \up0 \expndtw-1\charscalex100 1,342,233\par\pard\li900\sb39\s
l-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,447,473\tab \up0 \ex
pndtw-1\charscalex100 19,088,600\tab \up0 \expndtw-1\charscalex100 34,192,522\ta
b \up0 \expndtw-1\charscalex100 44,946,678\tab \up0 \expndtw-1\charscalex100 58,
716,533\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx1
1133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and bala
nces with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 1,433,166\tab \up0 \expndtw-1\charscalex100 2,175,413\tab \up0 \expndtw
-1\charscalex100 4,217,520\tab \up0 \expndtw-1\charscalex100 3,035,153\tab \up0
\expndtw-1\charscalex100 4,684,831\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7893\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 2,577,491\tab \up0 \expndtw-1\charscalex100 2,207,490\t
ab \up0 \expndtw-1\charscalex100 2,059,808\tab \up0 \expndtw-1\charscalex100 570

,858\tab \up0 \expndtw-1\charscalex100 549,411\par\pard\li900\sb19\sl-161\slmult

0\fi194\tx6918\tx8058\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 625,037\tab \up0 \expndtw-1\charsca
lex100 40,351\tab \up0 \expndtw-1\charscalex100 4,018,813\tab \up0 \expndtw-1\ch
arscalex100 4,513,132\tab \up0 \expndtw-1\charscalex100 4,436,264\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 3,864,027\tab \up0 \expndtw-1\charscale
x100 5,019,525\tab \up0 \expndtw-1\charscalex100 6,653,447\tab \up0 \expndtw-1\c
harscalex100 13,564,654\tab \up0 \expndtw-1\charscalex100 20,891,908\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,992,240\tab \up0 \expndtw-1\cha
rscalex100 6,687,460\tab \up0 \expndtw-1\charscalex100 10,707,012\tab \up0 \expn
dtw-1\charscalex100 16,999,097\tab \up0 \expndtw-1\charscalex100 20,460,796\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10158\tx11238 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/
classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78,37
1\tab \up0 \expndtw-1\charscalex100 186,093\tab \up0 \expndtw-1\charscalex100 78
8,665\tab \up0 \expndtw-1\charscalex100 741,680\tab \up0 \expndtw-1\charscalex10
0 799,001\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10158\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision
against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
29,373\tab \up0 \expndtw-1\charscalex100 159,929\tab \up0 \expndtw-1\charscalex
100 249,709\tab \up0 \expndtw-1\charscalex100 328,972\tab \up0 \expndtw-1\charsc
alex100 350,395\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx
9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advan
ces net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 3,962,867\tab \up0 \expndtw-1\charscalex100 6,527,531\tab \up0 \exp
ndtw-1\charscalex100 10,457,303\tab \up0 \expndtw-1\charscalex100 16,670,125\tab
\up0 \expndtw-1\charscalex100 20,110,401\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1,093,324\tab \up0 \expndtw-1\charscalex100 1,910,648\tab \up
0 \expndtw-1\charscalex100 2,375,515\tab \up0 \expndtw-1\charscalex100 2,048,854
\tab \up0 \expndtw-1\charscalex100 1,816,863\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 891,561\tab \up0 \expndtw-1\charscalex100 1,207,642
\tab \up0 \expndtw-1\charscalex100 4,410,116\tab \up0 \expndtw-1\charscalex100 4
,543,902\tab \up0 \expndtw-1\charscalex100 6,226,855\par\pard\li900\sb14\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profi
t & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx
10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Mark
up/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 602,060\tab \up0 \expndtw-1\charscalex100 1,468,688\tab \up0 \expndtw-1\chars
calex100 2,181,887\tab \up0 \expndtw-1\charscalex100 3,809,955\tab \up0 \expndtw
-1\charscalex100 5,504,739\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx799
8\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 303,842\tab \up0 \expndtw-1\charscalex100 729,528\tab \up0 \ex
pndtw-1\charscalex100 1,215,019\tab \up0 \expndtw-1\charscalex100 2,049,453\tab
\up0 \expndtw-1\charscalex100 2,873,119\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 298,218\tab \up0 \expndtw-1\charscalex100 739,1
60\tab \up0 \expndtw-1\charscalex100 966,868\tab \up0 \expndtw-1\charscalex100 1
,760,502\tab \up0 \expndtw-1\charscalex100 2,631,620\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6978\tx7998\tx9078\tx10293\tx11298 \dn2 \expndtw-2\charscalex100

\ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\c

harscalex100 \ul0\nosupersub\cf56\f57\fs12 28,372\tab \up0 \expndtw-1\charscalex
100 130,556\tab \up0 \expndtw-1\charscalex100 111,198\tab \up0 \expndtw-1\charsc
alex100 5,247\tab \up0 \expndtw-1\charscalex100 22,618\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisions
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 269,846\tab \up
0 \expndtw-1\charscalex100 608,604\tab \up0 \expndtw-1\charscalex100 855,670\tab
\up0 \expndtw-1\charscalex100 1,755,255\tab \up0 \expndtw-1\charscalex100 2,609
,002\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx112
38 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/inte
rest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14
0,281\tab \up0 \expndtw-1\charscalex100 196,139\tab \up0 \expndtw-1\charscalex10
0 342,687\tab \up0 \expndtw-1\charscalex100 207,168\tab \up0 \expndtw-1\charscal
ex100 226,652\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10
053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-ma
rkup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 510,590\tab \up0 \expndtw-1\charscalex100 229,152\tab \up0 \expndtw-1\c
harscalex100 1,770,664\tab \up0 \expndtw-1\charscalex100 1,920,590\tab \up0 \exp
ndtw-1\charscalex100 2,221,148\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\t
x7893\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 491,172\tab \up0 \expndtw-1\charscalex100 1,028,232\tab \up0
\expndtw-1\charscalex100 170,047\tab \up0 \expndtw-1\charscalex100 1,897,405\tab
\up0 \expndtw-1\charscalex100 2,153,177\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6870\tx7950\tx9030\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 (100,463)\tab \up0 \expndtw-1\charscalex100 (
229,152)\tab \up0 \expndtw-1\charscalex100 (572,307)\tab \up0 \expndtw-1\charsca
lex100 41,833\tab \up0 \expndtw-1\charscalex100 614,506\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6930\tx8010\tx9030\tx10218\tx11238 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (37,023)\tab \up0 \expndtw-1\c
harscalex100 (52,930)\tab \up0 \expndtw-1\charscalex100 (483,598)\tab \up0 \expn
dtw-1\charscalex100 41,159\tab \up0 \expndtw-1\charscalex100 405,914\par\pard\li
900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9
078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 320,000\tab \up0 \expndtw-1\charscalex100 527,968\tab \up0 \expndtw-1\c
harscalex100 527,968\tab \up0 \expndtw-1\charscalex100 527,968\tab \up0 \expndtw
-1\charscalex100 527,968\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\
tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0.00%\tab \up0 \expndtw-1\charscalex100 23.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\
tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock divi
dend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generat
ed from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 5,921,777\tab \up0 \expndtw-1\charscalex100 1,109,403\tab \up0 \exp
ndtw-1\charscalex100 4,472,916\tab \up0 \expndtw-1\charscalex100 4,261,151\tab \
up0 \expndtw-1\charscalex100 8,842,777\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 6,541,611\tab \up0 \expndtw-1\charscalex100 1,75

1,914\tab \up0 \expndtw-1\charscalex100 1,439,984\tab \up0 \expndtw-1\charscalex

100 4,467,998\tab \up0 \expndtw-1\charscalex100 4,614,660\par\pard\li900\sb14\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.
Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 49.53%\tab \up0 \expndtw-1\charscalex100 50.33%\tab \up0
\expndtw-1\charscalex100 44.31%\tab \up0 \expndtw-1\charscalex100 46.21%\tab \up
0 \expndtw-1\charscalex100 47.81%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx703
8\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 2.06%\tab \up0 \expndtw-1\charscalex100 3.8
7%\tab \up0 \expndtw-1\charscalex100 2.83%\tab \up0 \expndtw-1\charscalex100 3.9
2%\tab \up0 \expndtw-1\charscalex100 4.48%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7080\tx8160\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 -0.01\tab \up0 \expndtw-1\charscalex100 -0
.01\tab \up0 \expndtw-1\charscalex100 -0.10\tab \up0 \expndtw-1\charscalex100 0.
01\tab \up0 \expndtw-1\charscalex100 0.08\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6975\tx8055\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 -0.26%\tab \up0 \expndtw-1\charscalex100 -0
.28%\tab \up0 \expndtw-1\charscalex100 -1.41%\tab \up0 \expndtw-1\charscalex100
0.09%\tab \up0 \expndtw-1\charscalex100 0.69%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.97%\tab \up0 \
expndtw-1\charscalex100 1.03%\tab \up0 \expndtw-1\charscalex100 1.00%\tab \up0 \
expndtw-1\charscalex100 0.46%\tab \up0 \expndtw-1\charscalex100 0.39%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(a
fter prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1.87%\tab \up0 \expndtw-1\charscalex100 3.19%\tab \up0 \expndt
w-1\charscalex100 2.50%\tab \up0 \expndtw-1\charscalex100 3.91%\tab \up0 \expndt
w-1\charscalex100 4.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\t
x9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50.47%\tab \up0 \expndtw-1\chars
calex100 49.67%\tab \up0 \expndtw-1\charscalex100 55.69%\tab \up0 \expndtw-1\cha
rscalex100 53.79%\tab \up0 \expndtw-1\charscalex100 52.19%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10323\tx11463 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/
D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -4.8
9\tab \up0 \expndtw-1\charscalex100 -4.49\tab \up0 \expndtw-1\charscalex100 -0.3
0\tab \up0 \expndtw-1\charscalex100 45.36\tab \up0 \expndtw-1\charscalex100 3.50
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest
expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 68.78%\tab \up0 \expndtw-1\charscalex100 13.76%\tab \up0 \
expndtw-1\charscalex100 70.14%\tab \up0 \expndtw-1\charscalex100 47.81%\tab \up0
\expndtw-1\charscalex100 38.75%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.50\tab \up0 \expn
dtw-1\charscalex100 5.24\tab \up0 \expndtw-1\charscalex100 0.50\tab \up0 \expndt
w-1\charscalex100 9.16\tab \up0 \expndtw-1\charscalex100 9.50\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10383\tx11463 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.12\tab \up0 \expndtw-1\
charscalex100 -0.10\tab \up0 \expndtw-1\charscalex100 -0.92\tab \up0 \expndtw-1\

charscalex100 0.08\tab \up0 \expndtw-1\charscalex100 0.77\par\pard\li900\sb14\sl

-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.
Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
& cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 27.76%\tab \up0 \expndtw-1\charscalex100 22.96%\tab
\up0 \expndtw-1\charscalex100 18.36%\tab \up0 \expndtw-1\charscalex100 8.02%\ta
b \up0 \expndtw-1\charscalex100 8.91%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 26.75%\tab \up0 \expndtw-1\charscalex100 26.
30%\tab \up0 \expndtw-1\charscalex100 19.46%\tab \up0 \expndtw-1\charscalex100 3
0.18%\tab \up0 \expndtw-1\charscalex100 35.58%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27.43%\tab \up0 \ex
pndtw-1\charscalex100 34.20%\tab \up0 \expndtw-1\charscalex100 30.58%\tab \up0 \
expndtw-1\charscalex100 37.09%\tab \up0 \expndtw-1\charscalex100 34.25%\par\pard
\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 68.76%\tab \u
p0 \expndtw-1\charscalex100 65.37%\tab \up0 \expndtw-1\charscalex100 81.63%\tab
\up0 \expndtw-1\charscalex100 84.79%\tab \up0 \expndtw-1\charscalex100 85.95%\pa
r\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to to
tal assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
73.39%\tab \up0 \expndtw-1\charscalex100 72.80%\tab \up0 \expndtw-1\charscalex1
00 86.19%\tab \up0 \expndtw-1\charscalex100 89.40%\tab \up0 \expndtw-1\charscale
x100 90.96%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross ad
vances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 40.19%\tab \up0 \expndtw-1\charscalex100 53.59%\tab \up0 \expndtw-1\c
harscalex100 38.36%\tab \up0 \expndtw-1\charscalex100 44.61%\tab \up0 \expndtw-1
\charscalex100 40.54%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9
138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 39.91%\tab \up0 \expndtw-1\charscalex100 52.5
6%\tab \up0 \expndtw-1\charscalex100 38.15%\tab \up0 \expndtw-1\charscalex100 44
.20%\tab \up0 \expndtw-1\charscalex100 39.91%\par\pard\li900\sb15\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quali
ty ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\t
x11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-perform
ing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1.96%\tab \up0 \expndtw-1\charscalex100 2.78%\tab \up0 \expnd
tw-1\charscalex100 7.37%\tab \up0 \expndtw-1\charscalex100 4.36%\tab \up0 \expnd
tw-1\charscalex100 3.91%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\chars
calex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 2.33%\tab \up0 \expndtw-1\charscalex100 1.94%\tab
\up0 \expndtw-1\charscalex100 1.71%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 2.48%\tab \up0 \expndtw-1\charscalex100 3.59
%\tab \up0 \expndtw-1\charscalex100 16.81%\tab \up0 \expndtw-1\charscalex100 15.
67%\tab \up0 \expndtw-1\charscalex100 15.55%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6978\tx8058\tx9138\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 96.59%\tab \up0 \expndtw-1\ch
arscalex100 81.63%\tab \up0 \expndtw-1\charscalex100 44.53%\tab \up0 \expndtw-1\

charscalex100 1.59%\tab \up0 \expndtw-1\charscalex100 6.46%\par\pard\li900\sb19\

sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 37.48%\tab \up0 \e
xpndtw-1\charscalex100 85.94%\tab \up0 \expndtw-1\charscalex100 31.66%\tab \up0
\expndtw-1\charscalex100 44.35%\tab \up0 \expndtw-1\charscalex100 43.85%\par\par
d\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\
tx6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 21.84%\tab \up0 \expndtw-1\charscalex100 27.14%\tab \up0
\expndtw-1\charscalex100 13.72%\tab \up0 \expndtw-1\charscalex100 10.53%\tab \up
0 \expndtw-1\charscalex100 8.75%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.07\tab \up0 \expndtw-1
\charscalex100 0.34\tab \up0 \expndtw-1\charscalex100 0.31\tab \up0 \expndtw-1\c
harscalex100 0.94\tab \up0 \expndtw-1\charscalex100 0.90\par\pard\li900\sb19\sl161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.86\tab \up0 \expndtw-1\ch
arscalex100 9.81\tab \up0 \expndtw-1\charscalex100 8.88\tab \up0 \expndtw-1\char
scalex100 8.96\tab \up0 \expndtw-1\charscalex100 9.73\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.15\tab \up0 \ex
pndtw-1\charscalex100 2.41\tab \up0 \expndtw-1\charscalex100 5.95\tab \up0 \expn
dtw-1\charscalex100 8.05\tab \up0 \expndtw-1\charscalex100 9.82\par\pard\ql \li9
44\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx6944\tx8084\tx9240
\tx10248\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash generated from opration activities to profit after tax (E4/D10) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -159.95\tab \up0 \ex
pndtw-1\charscalex100 -20.96\tab \up0 \expndtw-1\charscalex100 -9.25\tab \up0 \e
xpndtw-1\charscalex100 103.53\tab \up0 \expndtw-1\charscalex100 21.78\par\pard\q
l \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql
\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 41
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g50}{\bkmkend Pg50}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 BURJ BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi9
0\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\
f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsca
lex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscale
x100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\t
x11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equit
y (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,6
52,231\tab \up0 \expndtw-1\charscalex100 4,085,091\tab \up0 \expndtw-1\charscale
x100 4,801,589\tab \up0 \expndtw-1\charscalex100 4,266,067\tab \up0 \expndtw-1\c
harscalex100 5,777,579\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
3,601,200\tab \up0 \expndtw-1\charscalex100 4,001,333\tab \up0 \expndtw-1\charsc
alex100 5,010,458\tab \up0 \expndtw-1\charscalex100 5,010,458\tab \up0 \expndtw1\charscalex100 7,410,458\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058
\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
0,206\tab \up0 \expndtw-1\charscalex100 16,751\tab \up0 \expndtw-1\charscalex100
16,751\tab \up0 \expndtw-1\charscalex100 16,751\tab \up0 \expndtw-1\charscalex1
00 16,751\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx10110\
tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropr
iated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40,
825\tab \up0 \expndtw-1\charscalex100 67,007\tab \up0 \expndtw-1\charscalex100 (
225,620)\tab \up0 \expndtw-1\charscalex100 (761,142)\tab \up0 \expndtw-1\charsca
lex100 (1,649,630)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8010\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.O
thers\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,657\tab
\up0 \expndtw-1\charscalex100 (10,281)\tab \up0 \expndtw-1\charscalex100 40,191
\tab \up0 \expndtw-1\charscalex100 59,916\tab \up0 \expndtw-1\charscalex100 26,9
99\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx9993\tx11073 \
dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B
1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,184,6
46\tab \up0 \expndtw-1\charscalex100 5,406,327\tab \up0 \expndtw-1\charscalex100
8,166,895\tab \up0 \expndtw-1\charscalex100 13,349,703\tab \up0 \expndtw-1\char
scalex100 21,840,251\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx913
8\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80
,243\tab \up0 \expndtw-1\charscalex100 20,138\tab \up0 \expndtw-1\charscalex100
58,263\tab \up0 \expndtw-1\charscalex100 86,867\tab \up0 \expndtw-1\charscalex10

0 210,932\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8058\tx8973\tx10158\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings
from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 50,704\tab \up0 \expndtw-1\char
scalex100 1,094,375\tab \up0 \expndtw-1\charscalex100 287,291\tab \up0 \expndtw1\charscalex100 447,300\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\t
x8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 2,888,762\tab \up0 \expndtw-1\charscalex100 5,063,393\tab \up0 \e
xpndtw-1\charscalex100 6,784,750\tab \up0 \expndtw-1\charscalex100 12,636,083\ta
b \up0 \expndtw-1\charscalex100 20,341,241\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 215,641\tab \up0 \expndtw-1\charscalex100 272,092
\tab \up0 \expndtw-1\charscalex100 229,507\tab \up0 \expndtw-1\charscalex100 339
,462\tab \up0 \expndtw-1\charscalex100 840,778\par\pard\li900\sb39\sl-155\slmult
0\fi44\tx6813\tx7893\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,850,534\tab \up0 \expndtw-1\chars
calex100 9,481,137\tab \up0 \expndtw-1\charscalex100 13,008,675\tab \up0 \expndt
w-1\charscalex100 17,675,686\tab \up0 \expndtw-1\charscalex100 27,644,829\par\pa
rd\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with trea
sury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 380,3
81\tab \up0 \expndtw-1\charscalex100 418,948\tab \up0 \expndtw-1\charscalex100 6
75,988\tab \up0 \expndtw-1\charscalex100 1,324,461\tab \up0 \expndtw-1\charscale
x100 1,379,696\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1
0158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balan
ces with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 187,747\tab \up0 \expndtw-1\charscalex100 255,703\tab \up0 \expndtw-1\chars
calex100 577,349\tab \up0 \expndtw-1\charscalex100 400,468\tab \up0 \expndtw-1\c
harscalex100 2,215,636\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx
8973\tx10053\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 725,022\tab \up0 \expndtw-1\charscalex100 250,040\tab \up0
\expndtw-1\charscalex100 2,857,942\tab \up0 \expndtw-1\charscalex100 2,679,753\t
ab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1,318,657\tab \up0 \expndtw-1\charscalex100 2,045,146\tab \up0 \expnd
tw-1\charscalex100 2,861,751\tab \up0 \expndtw-1\charscalex100 5,050,878\tab \up
0 \expndtw-1\charscalex100 9,982,793\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 3,725,609\tab \up0 \expndtw-1\charscalex100 5,645,609\tab \up0 \
expndtw-1\charscalex100 5,001,443\tab \up0 \expndtw-1\charscalex100 6,236,849\ta
b \up0 \expndtw-1\charscalex100 11,295,361\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7277\tx8057\tx9077\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 50
,000\tab \up0 \expndtw-1\charscalex100 731,740\tab \up0 \expndtw-1\charscalex100
1,153,118\tab \up0 \expndtw-1\charscalex100 1,002,534\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7053\tx8133\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,857\tab \up0 \expndtw-1\charscal
ex100 5,732\tab \up0 \expndtw-1\charscalex100 237,821\tab \up0 \expndtw-1\charsc
alex100 620,647\tab \up0 \expndtw-1\charscalex100 786,021\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,723,752\tab \up0 \expn

dtw-1\charscalex100 5,639,877\tab \up0 \expndtw-1\charscalex100 4,763,622\tab \u

p0 \expndtw-1\charscalex100 5,616,202\tab \up0 \expndtw-1\charscalex100 10,509,3
40\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 299,404\tab \up0 \ex
pndtw-1\charscalex100 417,364\tab \up0 \expndtw-1\charscalex100 600,626\tab \up0
\expndtw-1\charscalex100 646,645\tab \up0 \expndtw-1\charscalex100 671,890\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 215,571\tab \up0 \ex
pndtw-1\charscalex100 454,059\tab \up0 \expndtw-1\charscalex100 671,397\tab \up0
\expndtw-1\charscalex100 1,957,279\tab \up0 \expndtw-1\charscalex100 2,885,474\
par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi
194\tx6917\tx7997\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 249,763\tab \up0 \expndtw-1\charscalex100 855,374\
tab \up0 \expndtw-1\charscalex100 1,131,873\tab \up0 \expndtw-1\charscalex100 1,
263,461\tab \up0 \expndtw-1\charscalex100 2,375,585\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6977\tx7997\tx9077\tx10157\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 57,906\tab \up0 \expndtw-1\charscalex
100 403,500\tab \up0 \expndtw-1\charscalex100 650,752\tab \up0 \expndtw-1\charsc
alex100 726,325\tab \up0 \expndtw-1\charscalex100 1,423,171\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 191,857\tab \up0 \expndtw-1
\charscalex100 451,874\tab \up0 \expndtw-1\charscalex100 481,121\tab \up0 \expnd
tw-1\charscalex100 537,136\tab \up0 \expndtw-1\charscalex100 952,414\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7053\tx8133\tx9077\tx10157\tx11237 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,857\tab \up0 \expnd
tw-1\charscalex100 3,875\tab \up0 \expndtw-1\charscalex100 257,089\tab \up0 \exp
ndtw-1\charscalex100 406,279\tab \up0 \expndtw-1\charscalex100 251,580\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income
after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
190,000\tab \up0 \expndtw-1\charscalex100 447,999\tab \up0 \expndtw-1\charscale
x100 224,032\tab \up0 \expndtw-1\charscalex100 130,857\tab \up0 \expndtw-1\chars
calex100 700,834\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx7997\tx9137\t
x10217\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non
-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 8,838\tab \up0 \expndtw-1\charscalex100 494,273\tab \up0 \expndtw-1\ch
arscalex100 56,818\tab \up0 \expndtw-1\charscalex100 64,260\tab \up0 \expndtw-1\
charscalex100 188,537\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9
077\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 166,579\tab \up0 \expndtw-1\charscalex100 434,161\tab \up0 \exp
ndtw-1\charscalex100 686,002\tab \up0 \expndtw-1\charscalex100 1,019,677\tab \up
0 \expndtw-1\charscalex100 1,236,279\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6917\tx7997\tx9077\tx10157\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 165,999\tab \up0 \expndtw-1\charscalex100 433,996\tab \
up0 \expndtw-1\charscalex100 685,677\tab \up0 \expndtw-1\charscalex100 986,592\t
ab \up0 \expndtw-1\charscalex100 1,229,345\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6977\tx8057\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 32,259\tab \up0 \expndtw-1\charscalex100 60
,111\tab \up0 \expndtw-1\charscalex100 (405,152)\tab \up0 \expndtw-1\charscalex1
00 (824,560)\tab \up0 \expndtw-1\charscalex100 (346,908)\par\pard\li900\sb19\sl-

161\slmult0\fi194\tx6977\tx8057\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscale

x100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 51,031\tab \up0 \expndtw-1\ch
arscalex100 32,727\tab \up0 \expndtw-1\charscalex100 (292,627)\tab \up0 \expndtw
-1\charscalex100 (535,522)\tab \up0 \expndtw-1\charscalex100 (288,488)\par\pard\
li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6917\tx7997\t
x9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 360,120\tab \up0 \expndtw-1\charscalex100 400,133\tab \up0 \expndtw-1
\charscalex100 501,046\tab \up0 \expndtw-1\charscalex100 501,046\tab \up0 \expnd
tw-1\charscalex100 741,046\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx808
8\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248
\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock div
idend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex1
00 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex1
00 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7997\tx9077\tx10053\t
x11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash genera
ted from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 (1,296,457)\tab \up0 \expndtw-1\charscalex100 660,132\tab \up0 \ex
pndtw-1\charscalex100 654,955\tab \up0 \expndtw-1\charscalex100 2,667,586\tab \u
p0 \expndtw-1\charscalex100 5,394,077\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6917\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 674,467\tab \up0 \expndtw-1\charscalex100 2,217,0
21\tab \up0 \expndtw-1\charscalex100 1,911,426\tab \up0 \expndtw-1\charscalex100
5,704,888\tab \up0 \expndtw-1\charscalex100 1,296,300\par\pard\li900\sb14\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Eff
iciency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx69
77\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 76.82%\tab \up0 \expndtw-1\charscalex100 52.83%\tab \up0 \ex
pndtw-1\charscalex100 42.51%\tab \up0 \expndtw-1\charscalex100 42.51%\tab \up0 \
expndtw-1\charscalex100 40.09%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\t
x8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2.80%\tab \up0 \expndtw-1\charscalex100 4.77%\
tab \up0 \expndtw-1\charscalex100 3.70%\tab \up0 \expndtw-1\charscalex100 3.04%\
tab \up0 \expndtw-1\charscalex100 3.45%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7143\tx8223\tx9239\tx10319\tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 0.01\tab \up0 \expndtw-1\charscalex100 0.01\t
ab \up0 \expndtw-1\charscalex100 -0.06\tab \up0 \expndtw-1\charscalex100 -0.13\t
ab \up0 \expndtw-1\charscalex100 -0.05\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7037\tx8117\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.74%\tab \up0 \expndtw-1\charscalex100 0.35%\
tab \up0 \expndtw-1\charscalex100 -2.25%\tab \up0 \expndtw-1\charscalex100 -3.03
%\tab \up0 \expndtw-1\charscalex100 -1.04%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.13%\tab \up0 \exp
ndtw-1\charscalex100 5.21%\tab \up0 \expndtw-1\charscalex100 0.44%\tab \up0 \exp
ndtw-1\charscalex100 0.36%\tab \up0 \expndtw-1\charscalex100 0.68%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2

\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(afte

r prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 2.77%\tab \up0 \expndtw-1\charscalex100 4.73%\tab \up0 \expndtw-1
\charscalex100 1.72%\tab \up0 \expndtw-1\charscalex100 0.74%\tab \up0 \expndtw-1
\charscalex100 2.54%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx91
37\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7
.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23.18%\tab \up0 \expndtw-1\charscal
ex100 47.17%\tab \up0 \expndtw-1\charscalex100 57.49%\tab \up0 \expndtw-1\charsc
alex100 57.49%\tab \up0 \expndtw-1\charscalex100 59.91%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7143\tx8223\tx9239\tx10319\tx11399 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.15\ta
b \up0 \expndtw-1\charscalex100 7.22\tab \up0 \expndtw-1\charscalex100 -1.69\tab
\up0 \expndtw-1\charscalex100 -1.20\tab \up0 \expndtw-1\charscalex100 -3.54\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest e
xpense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 64.42%\tab \up0 \expndtw-1\charscalex100 32.17%\tab \up0 \expn
dtw-1\charscalex100 57.71%\tab \up0 \expndtw-1\charscalex100 76.80%\tab \up0 \ex
pndtw-1\charscalex100 48.21%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8
223\tx9243\tx10323\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (times)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.78\tab \up0 \expndtw
-1\charscalex100 0.88\tab \up0 \expndtw-1\charscalex100 12.07\tab \up0 \expndtw1\charscalex100 15.35\tab \up0 \expndtw-1\charscalex100 6.52\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10319\tx11399 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.14\tab \up0 \expndtw-1\ch
arscalex100 0.08\tab \up0 \expndtw-1\charscalex100 -0.58\tab \up0 \expndtw-1\cha
rscalex100 -1.07\tab \up0 \expndtw-1\charscalex100 -0.39\par\pard\li900\sb14\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.L
iquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx1
0277\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
& cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 8.29%\tab \up0 \expndtw-1\charscalex100 7.12%\tab \u
p0 \expndtw-1\charscalex100 9.63%\tab \up0 \expndtw-1\charscalex100 9.76%\tab \u
p0 \expndtw-1\charscalex100 13.01%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
77\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 19.25%\tab \up0 \expndtw-1\charscalex100 21.57%
\tab \up0 \expndtw-1\charscalex100 22.00%\tab \up0 \expndtw-1\charscalex100 28.5
8%\tab \up0 \expndtw-1\charscalex100 36.11%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54.36%\tab \up0 \expnd
tw-1\charscalex100 59.49%\tab \up0 \expndtw-1\charscalex100 36.62%\tab \up0 \exp
ndtw-1\charscalex100 31.77%\tab \up0 \expndtw-1\charscalex100 38.02%\par\pard\li
900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42.17%\tab \up0
\expndtw-1\charscalex100 53.40%\tab \up0 \expndtw-1\charscalex100 52.16%\tab \up
0 \expndtw-1\charscalex100 71.49%\tab \up0 \expndtw-1\charscalex100 73.58%\par\p
ard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total
assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46
.49%\tab \up0 \expndtw-1\charscalex100 57.02%\tab \up0 \expndtw-1\charscalex100
62.78%\tab \up0 \expndtw-1\charscalex100 75.53%\tab \up0 \expndtw-1\charscalex10
0 79.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9137\tx10217\t
x11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advan

ces to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f

57\fs12 128.97%\tab \up0 \expndtw-1\charscalex100 111.50%\tab \up0 \expndtw-1\ch
arscalex100 73.72%\tab \up0 \expndtw-1\charscalex100 49.36%\tab \up0 \expndtw-1\
charscalex100 55.53%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx91
37\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7
.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 128.97%\tab \up0 \expndtw-1\charscalex100 110.
39%\tab \up0 \expndtw-1\charscalex100 63.48%\tab \up0 \expndtw-1\charscalex100 4
8.26%\tab \up0 \expndtw-1\charscalex100 54.33%\par\pard\li900\sb15\sl-184\slmult
0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets qual
ity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\tx10217\
tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-perfor
ming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.89%\tab \up0 \expn
dtw-1\charscalex100 14.63%\tab \up0 \expndtw-1\charscalex100 18.49%\tab \up0 \ex
pndtw-1\charscalex100 8.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx81
17\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
10%\tab \up0 \expndtw-1\charscalex100 4.76%\tab \up0 \expndtw-1\charscalex100 9.
95%\tab \up0 \expndtw-1\charscalex100 6.96%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7037\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex1
00 1.22%\tab \up0 \expndtw-1\charscalex100 15.24%\tab \up0 \expndtw-1\charscalex
100 27.03%\tab \up0 \expndtw-1\charscalex100 17.35%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6903\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100.00%\tab \up0 \expn
dtw-1\charscalex100 67.60%\tab \up0 \expndtw-1\charscalex100 108.10%\tab \up0 \e
xpndtw-1\charscalex100 65.46%\tab \up0 \expndtw-1\charscalex100 32.01%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7304\tx8057\tx9137\tx10217\tx11297 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs
(C7/C6)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 11.46%\tab \up0 \expndtw-1\charscalex100 32.50%\tab
\up0 \expndtw-1\charscalex100 53.82%\tab \up0 \expndtw-1\charscalex100 78.40%\p
ar\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\
fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 53.31%\tab \up0 \expndtw-1\charscalex100 43.09%\tab
\up0 \expndtw-1\charscalex100 36.91%\tab \up0 \expndtw-1\charscalex100 24.14%\t
ab \up0 \expndtw-1\charscalex100 20.90%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.18\tab \up0 \ex
pndtw-1\charscalex100 0.54\tab \up0 \expndtw-1\charscalex100 0.40\tab \up0 \expn
dtw-1\charscalex100 1.34\tab \up0 \expndtw-1\charscalex100 0.22\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.14\tab \up0 \expn
dtw-1\charscalex100 10.21\tab \up0 \expndtw-1\charscalex100 9.58\tab \up0 \expnd
tw-1\charscalex100 8.51\tab \up0 \expndtw-1\charscalex100 7.80\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.79\tab
\up0 \expndtw-1\charscalex100 1.24\tab \up0 \expndtw-1\charscalex100 1.41\tab \
up0 \expndtw-1\charscalex100 2.96\tab \up0 \expndtw-1\charscalex100 3.52\par\par
d\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7004\tx81

63\tx9239\tx10319\tx11324 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52

\fs14 1.Cash generated from opration activities to profit after tax (E4/D10) (ti
mes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -25.41\tab
\up0 \expndtw-1\charscalex100 20.17\tab \up0 \expndtw-1\charscalex100 -2.24\tab
\up0 \expndtw-1\charscalex100 -4.98\tab \up0 \expndtw-1\charscalex100 -18.70\par
\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\
pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 42
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xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz29\shplid2
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid5{\sp{\sn shapeType}{\s
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g51}{\bkmkend Pg51}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 DUBAI ISLAMIC BANK PAKISTAN LIMITED\tab \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\
sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0
\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \e
xpndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx789
3\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 4,345,532\tab \up0 \expndtw-1\charscalex100 5,055,260\tab \up0 \e
xpndtw-1\charscalex100 6,040,247\tab \up0 \expndtw-1\charscalex100 6,048,321\tab

\up0 \expndtw-1\charscalex100 6,238,807\par\pard\li900\sb0\sl-161\slmult0\fi194

\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 5,126,230\tab \up0 \expndtw-1\charscalex100 6,017,780\tab \up0
\expndtw-1\charscalex100 6,776,030\tab \up0 \expndtw-1\charscalex100 6,776,030\
tab \up0 \expndtw-1\charscalex100 6,776,030\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7278\tx8358\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 45,347\tab \up0 \expndtw-1\charscalex100 46,961\tab \up0 \expndtw-1\cha
rscalex100 85,058\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9030\
tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un
appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 (780,698)\tab \up0 \expndtw-1\charscalex100 (962,520)\tab \up0 \expndtw-1\c
harscalex100 (781,130)\tab \up0 \expndtw-1\charscalex100 (774,670)\tab \up0 \exp
ndtw-1\charscalex100 (622,281)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\t
x8058\tx9378\tx10458\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 9,807\tab \up0 \expndtw-1\charscalex100 10,867\tab \up0 \expndtw-1\charscalex1
00 18\tab \up0 \expndtw-1\charscalex100 18\tab \up0 \expndtw-1\charscalex100 (4,
758)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities
(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,95
2,908\tab \up0 \expndtw-1\charscalex100 26,983,946\tab \up0 \expndtw-1\charscale
x100 29,328,629\tab \up0 \expndtw-1\charscalex100 33,840,397\tab \up0 \expndtw-1
\charscalex100 41,962,400\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 347,521\tab \up0 \expndtw-1\charscalex100 283,188\tab \up0 \expndtw-1\charsca
lex100 279,493\tab \up0 \expndtw-1\charscalex100 411,944\tab \up0 \expndtw-1\cha
rscalex100 394,426\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8358\tx9078
\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.B
orrowings from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 383\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 125,000\tab \up0 \expndtw-1\charscalex100 950,000\tab \up0 \expn
dtw-1\charscalex100 1,898,500\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 16,114,461\tab \up0 \expndtw-1\charscalex100 25,458,910\tab
\up0 \expndtw-1\charscalex100 27,980,906\tab \up0 \expndtw-1\charscalex100 31,4
14,908\tab \up0 \expndtw-1\charscalex100 38,491,607\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6918\tx7893\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 490,543\tab \up0 \expndtw-1\charscalex10
0 1,241,848\tab \up0 \expndtw-1\charscalex100 943,230\tab \up0 \expndtw-1\charsc
alex100 1,063,545\tab \up0 \expndtw-1\charscalex100 1,177,867\par\pard\li900\sb3
9\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,308,247\tab \up0
\expndtw-1\charscalex100 32,050,073\tab \up0 \expndtw-1\charscalex100 35,368,894
\tab \up0 \expndtw-1\charscalex100 39,888,736\tab \up0 \expndtw-1\charscalex100
48,196,449\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and b
alances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,992,425\tab \up0 \expndtw-1\charscalex100 2,691,572\tab \up0 \expn
dtw-1\charscalex100 2,932,264\tab \up0 \expndtw-1\charscalex100 3,197,884\tab \u
p0 \expndtw-1\charscalex100 3,429,994\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1,410,884\tab \up0 \expndtw-1\charscalex100 3,273,87

8\tab \up0 \expndtw-1\charscalex100 2,430,437\tab \up0 \expndtw-1\charscalex100

3,455,665\tab \up0 \expndtw-1\charscalex100 1,116,928\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7278\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charsc
alex100 1,329,832\tab \up0 \expndtw-1\charscalex100 2,591,905\tab \up0 \expndtw1\charscalex100 1,020,725\tab \up0 \expndtw-1\charscalex100 3,826,084\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,974,087\tab \up0 \expndtw-1\char
scalex100 3,019,266\tab \up0 \expndtw-1\charscalex100 2,822,723\tab \up0 \expndt
w-1\charscalex100 5,945,370\tab \up0 \expndtw-1\charscalex100 12,937,179\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,347,979\tab \up0 \expndtw1\charscalex100 18,330,344\tab \up0 \expndtw-1\charscalex100 20,961,592\tab \up0
\expndtw-1\charscalex100 23,318,157\tab \up0 \expndtw-1\charscalex100 23,902,38
0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-perfo
rming/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
25,665\tab \up0 \expndtw-1\charscalex100 286,024\tab \up0 \expndtw-1\charscalex
100 719,088\tab \up0 \expndtw-1\charscalex100 1,858,799\tab \up0 \expndtw-1\char
scalex100 2,107,709\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx907
8\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.
Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 100,766\tab \up0 \expndtw-1\charscalex100 256,843\tab \up0 \expndtw-1
\charscalex100 371,979\tab \up0 \expndtw-1\charscalex100 553,203\tab \up0 \expnd
tw-1\charscalex100 561,778\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx783
3\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 11,247,213\tab \up0 \expndtw-1\charscalex100 18,073,501\
tab \up0 \expndtw-1\charscalex100 20,589,613\tab \up0 \expndtw-1\charscalex100 2
2,764,954\tab \up0 \expndtw-1\charscalex100 23,340,602\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 1,459,578\tab \up0 \expndtw-1\charscalex100 1,74
0,923\tab \up0 \expndtw-1\charscalex100 1,727,298\tab \up0 \expndtw-1\charscalex
100 1,703,588\tab \up0 \expndtw-1\charscalex100 1,597,770\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 2,224,060\tab \up0 \expndtw-1\charscal
ex100 1,921,101\tab \up0 \expndtw-1\charscalex100 2,274,654\tab \up0 \expndtw-1\
charscalex100 1,800,550\tab \up0 \expndtw-1\charscalex100 1,947,892\par\pard\li9
00\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1,119,716\tab \up0 \expndtw-1\charscalex100 2,723,796\tab \up0
\expndtw-1\charscalex100 3,647,145\tab \up0 \expndtw-1\charscalex100 4,071,552\
tab \up0 \expndtw-1\charscalex100 4,632,785\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 469,302\tab \up0 \expndtw-1\charscalex100 1,3
77,542\tab \up0 \expndtw-1\charscalex100 1,805,943\tab \up0 \expndtw-1\charscale
x100 2,129,570\tab \up0 \expndtw-1\charscalex100 2,395,995\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 650,414\tab \up0 \expndtw-1\
charscalex100 1,346,254\tab \up0 \expndtw-1\charscalex100 1,841,202\tab \up0 \ex
pndtw-1\charscalex100 1,941,982\tab \up0 \expndtw-1\charscalex100 2,236,790\par\

pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-off
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100,766\tab \u
p0 \expndtw-1\charscalex100 156,077\tab \up0 \expndtw-1\charscalex100 115,136\ta
b \up0 \expndtw-1\charscalex100 181,224\tab \up0 \expndtw-1\charscalex100 10,075
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest
income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 549,648\tab \up0 \expndtw-1\charscalex100 1,190,177\tab \up0 \expndtw
-1\charscalex100 1,726,066\tab \up0 \expndtw-1\charscalex100 1,760,758\tab \up0
\expndtw-1\charscalex100 2,226,715\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
18\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 336,410\tab \up0 \expndtw-1\charscalex100 335,552\ta
b \up0 \expndtw-1\charscalex100 365,353\tab \up0 \expndtw-1\charscalex100 366,33
5\tab \up0 \expndtw-1\charscalex100 457,136\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6813\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1,453,906\tab \up0 \expndtw-1\charscalex1
00 271,806\tab \up0 \expndtw-1\charscalex100 1,739,369\tab \up0 \expndtw-1\chars
calex100 2,109,362\tab \up0 \expndtw-1\charscalex100 2,367,722\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,411,526\tab \up0 \expndtw-1
\charscalex100 1,791,282\tab \up0 \expndtw-1\charscalex100 1,724,467\tab \up0 \e
xpndtw-1\charscalex100 2,095,563\tab \up0 \expndtw-1\charscalex100 2,337,312\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9078\tx10218\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before ta
xation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (567,848)
\tab \up0 \expndtw-1\charscalex100 (271,806)\tab \up0 \expndtw-1\charscalex100 3
52,050\tab \up0 \expndtw-1\charscalex100 17,731\tab \up0 \expndtw-1\charscalex10
0 316,129\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9078\tx10293\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(l
oss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 (369,196)\tab \up0 \expndtw-1\charscalex100 (181,822)\tab \up0 \expndtw-1\ch
arscalex100 226,737\tab \up0 \expndtw-1\charscalex100 8,074\tab \up0 \expndtw-1\
charscalex100 190,486\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-16
1\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 434,553\tab \up0 \expndtw-1\charscalex
100 601,778\tab \up0 \expndtw-1\charscalex100 677,603\tab \up0 \expndtw-1\charsc
alex100 677,603\tab \up0 \expndtw-1\charscalex100 677,603\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00
%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00
%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8924\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,848,560\tab \up0 \expndtw-1\chars
calex100 2,523,494\tab \up0 \expndtw-1\charscalex100 (1,285,767)\tab \up0 \expnd
tw-1\charscalex100 4,676,276\tab \up0 \expndtw-1\charscalex100 4,983,772\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx10053\tx11073 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencie

s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,012,116\tab

\up0 \expndtw-1\charscalex100 21,322,168\tab \up0 \expndtw-1\charscalex100 17,8
30,878\tab \up0 \expndtw-1\charscalex100 5,704,888\tab \up0 \expndtw-1\charscale
x100 10,461,483\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par
\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 58.09%\tab \up0 \ex
pndtw-1\charscalex100 49.43%\tab \up0 \expndtw-1\charscalex100 50.48%\tab \up0 \
expndtw-1\charscalex100 47.70%\tab \up0 \expndtw-1\charscalex100 48.28%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin
(D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.05%
\tab \up0 \expndtw-1\charscalex100 4.20%\tab \up0 \expndtw-1\charscalex100 5.21%
\tab \up0 \expndtw-1\charscalex100 4.87%\tab \up0 \expndtw-1\charscalex100 4.64%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\tx10383\tx11463 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (R
OE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.0
8\tab \up0 \expndtw-1\charscalex100 -0.04\tab \up0 \expndtw-1\charscalex100 0.04
\tab \up0 \expndtw-1\charscalex100 0.00\tab \up0 \expndtw-1\charscalex100 0.03\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8055\tx9198\tx10278\tx11358 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA
) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1.73%
\tab \up0 \expndtw-1\charscalex100 -0.57%\tab \up0 \expndtw-1\charscalex100 0.64
%\tab \up0 \expndtw-1\charscalex100 0.02%\tab \up0 \expndtw-1\charscalex100 0.40
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interes
t income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 1.58%\tab \up0 \expndtw-1\charscalex100 1.05%\tab \up0 \expn
dtw-1\charscalex100 1.03%\tab \up0 \expndtw-1\charscalex100 0.92%\tab \up0 \expn
dtw-1\charscalex100 0.95%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 6.Net markup/interest income(after prov.) to total assets(D5/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.58%\tab \up0 \expndtw-1\
charscalex100 3.71%\tab \up0 \expndtw-1\charscalex100 4.88%\tab \up0 \expndtw-1\
charscalex100 4.41%\tab \up0 \expndtw-1\charscalex100 4.62%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/intere
st income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 41.91%\tab \up0 \expndtw-1\charscalex100 50.57%\tab \up0 \expndtw-1\charscal
ex100 49.52%\tab \up0 \expndtw-1\charscalex100 52.30%\tab \up0 \expndtw-1\charsc
alex100 51.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\tx1
0248\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin
. expense to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 -2.49\tab \up0 \expndtw-1\charscalex100 -6.59\ta
b \up0 \expndtw-1\charscalex100 4.90\tab \up0 \expndtw-1\charscalex100 118.19\ta
b \up0 \expndtw-1\charscalex100 7.39\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6978\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 99.85%\tab \up0 \expnd
tw-1\charscalex100 8.88%\tab \up0 \expndtw-1\charscalex100 43.35%\tab \up0 \expn
dtw-1\charscalex100 47.53%\tab \up0 \expndtw-1\charscalex100 46.52%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup/in
terest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 4.20\tab \up0 \expndtw-1\charscalex100 5.34\tab \up0 \expndtw-1\
charscalex100 4.72\tab \up0 \expndtw-1\charscalex100 5.72\tab \up0 \expndtw-1\ch
arscalex100 5.11\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\t
x10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Ea
rning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\

f57\fs12 -0.85\tab \up0 \expndtw-1\charscalex100 -0.30\tab \up0 \expndtw-1\chars

calex100 0.33\tab \up0 \expndtw-1\charscalex100 0.01\tab \up0 \expndtw-1\charsca
lex100 0.28\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.97%\tab \up0 \
expndtw-1\charscalex100 18.61%\tab \up0 \expndtw-1\charscalex100 15.16%\tab \up0
\expndtw-1\charscalex100 16.68%\tab \up0 \expndtw-1\charscalex100 9.43%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10218\tx11298 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets
(C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.96%\ta
b \up0 \expndtw-1\charscalex100 9.42%\tab \up0 \expndtw-1\charscalex100 7.98%\ta
b \up0 \expndtw-1\charscalex100 14.90%\tab \up0 \expndtw-1\charscalex100 26.84%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of prov
isions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 52.78%\tab \up0 \expndtw-1\charscalex100 56.39%\tab \up0 \expndtw1\charscalex100 58.21%\tab \up0 \expndtw-1\charscalex100 57.07%\tab \up0 \expndt
w-1\charscalex100 48.43%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\t
x9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 75.63%\tab \up0 \expndtw-1\charscalex100 79.43%\tab \up0 \ex
pndtw-1\charscalex100 79.11%\tab \up0 \expndtw-1\charscalex100 78.76%\tab \up0 \
expndtw-1\charscalex100 79.86%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 79.56%\tab \up0 \expndtw-1\charscalex100 84.19
%\tab \up0 \expndtw-1\charscalex100 82.92%\tab \up0 \expndtw-1\charscalex100 84.
84%\tab \up0 \expndtw-1\charscalex100 87.07%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 70.42%\tab \up0 \expndtw-1\charscale
x100 72.00%\tab \up0 \expndtw-1\charscalex100 74.91%\tab \up0 \expndtw-1\charsca
lex100 74.23%\tab \up0 \expndtw-1\charscalex100 62.10%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+
B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 70.42%\tab \
up0 \expndtw-1\charscalex100 72.00%\tab \up0 \expndtw-1\charscalex100 74.58%\tab
\up0 \expndtw-1\charscalex100 72.05%\tab \up0 \expndtw-1\charscalex100 59.18%\p
ar\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi1
94\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.23%\tab \up0 \expndtw-1\ch
arscalex100 1.56%\tab \up0 \expndtw-1\charscalex100 3.43%\tab \up0 \expndtw-1\ch
arscalex100 7.97%\tab \up0 \expndtw-1\charscalex100 8.82%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10278\tx11358 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gross advances
(C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 2.37%\tab \up0 \expndtw-1\charscalex100 2.35%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.59%\tab \up0
\expndtw-1\charscalex100 5.66%\tab \up0 \expndtw-1\charscalex100 11.90%\tab \up0
\expndtw-1\charscalex100 30.73%\tab \up0 \expndtw-1\charscalex100 33.78%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8058\tx9138\tx10218\tx11358 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs pro
visions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12

100.00%\tab \up0 \expndtw-1\charscalex100 60.77%\tab \up0 \expndtw-1\charscalex1

00 30.95%\tab \up0 \expndtw-1\charscalex100 32.76%\tab \up0 \expndtw-1\charscale
x100 1.79%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision
against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 392.62%\tab \up0 \expndtw-1\charscalex100 89.80%\tab \up0 \expndtw1\charscalex100 51.73%\tab \up0 \expndtw-1\charscalex100 29.76%\tab \up0 \expndt
w-1\charscalex100 26.65%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard
\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.39%\tab \up0 \expndtw1\charscalex100 15.77%\tab \up0 \expndtw-1\charscalex100 17.08%\tab \up0 \expndt
w-1\charscalex100 15.16%\tab \up0 \expndtw-1\charscalex100 12.94%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to tot
al equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2.53\tab \up0 \expndtw-1\charscalex100 4.22\tab \up0 \expndtw-1\charsca
lex100 2.95\tab \up0 \expndtw-1\charscalex100 0.94\tab \up0 \expndtw-1\charscale
x100 1.68\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8223\tx9303\tx10383\
tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up v
alue per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 10.00\tab \up0 \expndtw-1\charscalex100 8.40\tab \up0 \expndtw-1\charscale
x100 8.91\tab \up0 \expndtw-1\charscalex100 8.93\tab \up0 \expndtw-1\charscalex1
00 9.21\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposi
t to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3.71\tab \up0 \expndtw-1\charscalex100 5.04\tab \up0 \expndtw-1
\charscalex100 4.63\tab \up0 \expndtw-1\charscalex100 5.19\tab \up0 \expndtw-1\c
harscalex100 6.17\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-16
1\slmult0\fi0\tx7080\tx8084\tx9240\tx10248\tx11403 \dn2 \expndtw-1\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities to prof
it after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 -7.72\tab \up0 \expndtw-1\charscalex100 -13.88\tab \up0 \expndtw-1
\charscalex100 -5.67\tab \up0 \expndtw-1\charscalex100 579.18\tab \up0 \expndtw1\charscalex100 26.16\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089
\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\s
b63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
3
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g52}{\bkmkend Pg52}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 FAYSAL BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\
tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10
,345,146\tab \up0 \expndtw-1\charscalex100 10,135,987\tab \up0 \expndtw-1\charsc
alex100 11,373,147\tab \up0 \expndtw-1\charscalex100 16,614,625\tab \up0 \expndt
w-1\charscalex100 17,793,427\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 5,296,445\tab \up0 \expndtw-1\charscalex100 5,296,445\tab \up0 \expndtw-1\
charscalex100 6,090,911\tab \up0 \expndtw-1\charscalex100 7,309,094\tab \up0 \ex
pndtw-1\charscalex100 8,243,118\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 3,567,033\tab \up0 \expndtw-1\charscalex100 3,790,023\tab \up0 \expndtw-1\c
harscalex100 4,030,056\tab \up0 \expndtw-1\charscalex100 7,354,688\tab \up0 \exp
ndtw-1\charscalex100 6,591,131\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1,481,668\tab \up0 \expndtw-1\charscalex100 1,049,519\tab \up0
\expndtw-1\charscalex100 1,252,180\tab \up0 \expndtw-1\charscalex100 1,950,843\
tab \up0 \expndtw-1\charscalex100 2,959,178\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6813\tx7998\tx8973\tx10170\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 5,811,357\tab \up0 \expndtw-1\charscalex100 636,121\tab \up0 \exp
ndtw-1\charscalex100 1,519,902\tab \up0 \expndtw-1\charscalex100 (96,855)\tab \u
p0 \expndtw-1\charscalex100 1,419,732\par\pard\li900\sb39\sl-155\slmult0\fi44\tx
6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 125,120,918\tab \up0 \expndtw-1\charscalex100 127,46
9,378\tab \up0 \expndtw-1\charscalex100 167,899,404\tab \up0 \expndtw-1\charscal
ex100 250,803,153\tab \up0 \expndtw-1\charscalex100 273,354,667\par\pard\li900\s
b6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\cha

rscalex100 \ul0\nosupersub\cf56\f57\fs12 2,406,927\tab \up0 \expndtw-1\charscale

x100 1,536,517\tab \up0 \expndtw-1\charscalex100 1,465,451\tab \up0 \expndtw-1\c
harscalex100 3,218,859\tab \up0 \expndtw-1\charscalex100 3,075,642\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institut
ions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,995,855\t
ab \up0 \expndtw-1\charscalex100 13,027,468\tab \up0 \expndtw-1\charscalex100 34
,985,766\tab \up0 \expndtw-1\charscalex100 34,635,904\tab \up0 \expndtw-1\charsc
alex100 39,696,986\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838
\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.De
posits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 102,067,422\tab \up0 \expndtw-1\charscalex100 102,776,793\tab \up0 \ex
pndtw-1\charscalex100 123,469,683\tab \up0 \expndtw-1\charscalex100 195,315,204\
tab \up0 \expndtw-1\charscalex100 214,614,731\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6753\tx7833\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 10,650,714\tab \up0 \expndtw-1\charscalex100 10
,128,600\tab \up0 \expndtw-1\charscalex100 7,978,504\tab \up0 \expndtw-1\charsca
lex100 17,633,186\tab \up0 \expndtw-1\charscalex100 15,967,308\par\pard\li900\sb
39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 141,277,421\tab \up
0 \expndtw-1\charscalex100 138,241,486\tab \up0 \expndtw-1\charscalex100 180,792
,453\tab \up0 \expndtw-1\charscalex100 267,320,923\tab \up0 \expndtw-1\charscale
x100 292,567,826\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx
9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 6,872,032\tab \up0 \expndtw-1\charscalex100 8,927,524\tab \up0
\expndtw-1\charscalex100 8,427,202\tab \up0 \expndtw-1\charscalex100 17,428,924\
tab \up0 \expndtw-1\charscalex100 18,445,108\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 3,708,451\tab \up0 \expndtw-1\charscalex100 8
76,780\tab \up0 \expndtw-1\charscalex100 508,795\tab \up0 \expndtw-1\charscalex1
00 5,727,909\tab \up0 \expndtw-1\charscalex100 4,685,718\par\pard\li900\sb19\sl161\slmult0\fi194\tx6813\tx7893\tx8913\tx10517\tx11597 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,078,102\tab \up0 \expnd
tw-1\charscalex100 2,861,401\tab \up0 \expndtw-1\charscalex100 15,017,826\tab \u
p0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 31,553,108\tab \up0 \expndtw-1\charscal
ex100 36,152,537\tab \up0 \expndtw-1\charscalex100 56,459,447\tab \up0 \expndtw1\charscalex100 86,418,549\tab \up0 \expndtw-1\charscalex100 93,409,187\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9917\tx10997 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91,016,278\tab \up0 \expndtw-1
\charscalex100 88,620,641\tab \up0 \expndtw-1\charscalex100 98,384,470\tab \up0
\expndtw-1\charscalex100 151,206,409\tab \up0 \expndtw-1\charscalex100 165,483,3
30\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-perfo
rming/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
4,753,415\tab \up0 \expndtw-1\charscalex100 7,446,481\tab \up0 \expndtw-1\chars
calex100 10,671,030\tab \up0 \expndtw-1\charscalex100 24,707,758\tab \up0 \expnd
tw-1\charscalex100 26,044,119\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx
7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 3,669,877\tab \up0 \expndtw-1\charscalex100 5,108,573\tab \u
p0 \expndtw-1\charscalex100 7,038,469\tab \up0 \expndtw-1\charscalex100 17,499,6

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t0\fi194\tx6753\tx7833\tx8913\tx9917\tx10997 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 87,346,401\tab \up0 \expndtw-1\char
scalex100 83,512,068\tab \up0 \expndtw-1\charscalex100 91,346,001\tab \up0 \expn
dtw-1\charscalex100 133,706,769\tab \up0 \expndtw-1\charscalex100 148,161,995\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,514,959\tab \up0 \expnd
tw-1\charscalex100 2,646,978\tab \up0 \expndtw-1\charscalex100 2,787,617\tab \up
0 \expndtw-1\charscalex100 8,726,406\tab \up0 \expndtw-1\charscalex100 10,849,60
7\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,204,368\tab \
up0 \expndtw-1\charscalex100 3,264,198\tab \up0 \expndtw-1\charscalex100 6,245,5
65\tab \up0 \expndtw-1\charscalex100 15,312,366\tab \up0 \expndtw-1\charscalex10
0 17,016,211\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-1
61\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 11,610,781\tab \up0 \expndtw-1\charsca
lex100 13,404,132\tab \up0 \expndtw-1\charscalex100 16,957,875\tab \up0 \expndtw
-1\charscalex100 19,710,460\tab \up0 \expndtw-1\charscalex100 28,825,449\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,459,392\tab \up
0 \expndtw-1\charscalex100 8,454,755\tab \up0 \expndtw-1\charscalex100 11,946,57
9\tab \up0 \expndtw-1\charscalex100 13,919,256\tab \up0 \expndtw-1\charscalex100
19,619,095\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net mark
up/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 4,151,389\tab \up0 \expndtw-1\charscalex100 4,949,377\tab \up0 \expndtw-1\c
harscalex100 5,011,296\tab \up0 \expndtw-1\charscalex100 5,791,204\tab \up0 \exp
ndtw-1\charscalex100 9,206,354\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2,079,044\tab \up0 \expndtw-1\charscalex100 2,047,362\tab \
up0 \expndtw-1\charscalex100 2,191,883\tab \up0 \expndtw-1\charscalex100 2,201,8
24\tab \up0 \expndtw-1\charscalex100 695,245\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,072,345\tab \up0 \expnd
tw-1\charscalex100 2,902,015\tab \up0 \expndtw-1\charscalex100 2,819,413\tab \up
0 \expndtw-1\charscalex100 3,589,380\tab \up0 \expndtw-1\charscalex100 8,511,109
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,441,
145\tab \up0 \expndtw-1\charscalex100 5,212,608\tab \up0 \expndtw-1\charscalex10
0 2,804,695\tab \up0 \expndtw-1\charscalex100 4,012,338\tab \up0 \expndtw-1\char
scalex100 4,070,369\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.
Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 2,815,663\tab \up0 \expndtw-1\charscalex100 1,796,537\tab \up0 \e
xpndtw-1\charscalex100 4,312,044\tab \up0 \expndtw-1\charscalex100 6,774,664\tab
\up0 \expndtw-1\charscalex100 11,103,387\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 2,799,747\tab \up0 \expndtw-1\charscalex100 3,257,
843\tab \up0 \expndtw-1\charscalex100 4,285,459\tab \up0 \expndtw-1\charscalex10
0 6,644,072\tab \up0 \expndtw-1\charscalex100 10,813,919\par\pard\li900\sb19\sl-

161\slmult0\fi194\tx6813\tx7893\tx8973\tx10157\tx11237 \dn2 \expndtw-2\charscale

x100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,697,827\tab \up0 \expndtw-1
\charscalex100 1,796,537\tab \up0 \expndtw-1\charscalex100 1,320,043\tab \up0 \e
xpndtw-1\charscalex100 827,054\tab \up0 \expndtw-1\charscalex100 197,795\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxati
on\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,272,108\tab
\up0 \expndtw-1\charscalex100 1,114,952\tab \up0 \expndtw-1\charscalex100 1,212
,527\tab \up0 \expndtw-1\charscalex100 1,190,329\tab \up0 \expndtw-1\charscalex1
00 1,280,296\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0
\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 529,644\tab \up0 \expndtw-1\charscalex100 529,6
45\tab \up0 \expndtw-1\charscalex100 609,091\tab \up0 \expndtw-1\charscalex100 7
30,909\tab \up0 \expndtw-1\charscalex100 824,312\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0.25%\tab \up0 \expndtw-1\charscalex100 15.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx700
8\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.25%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.20%\tab \up0
\expndtw-1\charscalex100 0.13%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8913\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 7,262,087\tab \up0 \expndtw-1\charscalex100
1,882,246\tab \up0 \expndtw-1\charscalex100 17,897,098\tab \up0 \expndtw-1\char
scalex100 8,881,898\tab \up0 \expndtw-1\charscalex100 5,911,646\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9917\tx10997 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50,562,981\tab \up0 \exp
ndtw-1\charscalex100 51,941,751\tab \up0 \expndtw-1\charscalex100 79,757,936\tab
\up0 \expndtw-1\charscalex100 164,784,857\tab \up0 \expndtw-1\charscalex100 173
,978,654\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\l
i900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35.75%\tab \up0 \expndtw-1
\charscalex100 36.92%\tab \up0 \expndtw-1\charscalex100 29.55%\tab \up0 \expndtw
-1\charscalex100 29.38%\tab \up0 \expndtw-1\charscalex100 31.94%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2
)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.94%\tab \u
p0 \expndtw-1\charscalex100 3.58%\tab \up0 \expndtw-1\charscalex100 2.77%\tab \u
p0 \expndtw-1\charscalex100 2.17%\tab \up0 \expndtw-1\charscalex100 3.15%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D1
0/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.22\tab \u
p0 \expndtw-1\charscalex100 0.11\tab \up0 \expndtw-1\charscalex100 0.11\tab \up0
\expndtw-1\charscalex100 0.07\tab \up0 \expndtw-1\charscalex100 0.07\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.61%\tab \up0
\expndtw-1\charscalex100 0.81%\tab \up0 \expndtw-1\charscalex100 0.67%\tab \up0
\expndtw-1\charscalex100 0.45%\tab \up0 \expndtw-1\charscalex100 0.44%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expnd

tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income

to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2.44%\tab \up0 \expndtw-1\charscalex100 3.77%\tab \up0 \expndtw-1\chars
calex100 1.55%\tab \up0 \expndtw-1\charscalex100 1.50%\tab \up0 \expndtw-1\chars
calex100 1.39%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx1
0277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net m
arkup/interest income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 1.47%\tab \up0 \expndtw-1\charscalex1
00 2.10%\tab \up0 \expndtw-1\charscalex100 1.56%\tab \up0 \expndtw-1\charscalex1
00 1.34%\tab \up0 \expndtw-1\charscalex100 2.91%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/interest income
(D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 64.25%\
tab \up0 \expndtw-1\charscalex100 63.08%\tab \up0 \expndtw-1\charscalex100 70.45
%\tab \up0 \expndtw-1\charscalex100 70.62%\tab \up0 \expndtw-1\charscalex100 68.
06%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx1140
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense t
o profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 1.04\tab \up0 \expndtw-1\charscalex100 1.81\tab \up0 \expnd
tw-1\charscalex100 3.25\tab \up0 \expndtw-1\charscalex100 8.03\tab \up0 \expndtw
-1\charscalex100 54.67\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8117\tx
9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
9.Non-markup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.71%\tab \up0 \expndtw-1\charscale
x100 9.65%\tab \up0 \expndtw-1\charscalex100 21.82%\tab \up0 \expndtw-1\charscal
ex100 28.56%\tab \up0 \expndtw-1\charscalex100 33.75%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest incom
e (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.81\tab \up0 \expndtw-1\charscalex100 0.62\tab \up0 \expndtw-1\charscalex100
1.53\tab \up0 \expndtw-1\charscalex100 1.66\tab \up0 \expndtw-1\charscalex100 2.
66\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per shar
e (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.29\
tab \up0 \expndtw-1\charscalex100 2.11\tab \up0 \expndtw-1\charscalex100 1.99\ta
b \up0 \expndtw-1\charscalex100 1.63\tab \up0 \expndtw-1\charscalex100 1.55\par\
pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx703
7\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.49%\tab \up0 \expndtw-1\charsca
lex100 7.09%\tab \up0 \expndtw-1\charscalex100 4.94%\tab \up0 \expndtw-1\charsca
lex100 8.66%\tab \up0 \expndtw-1\charscalex100 7.91%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22.33%\tab \up0 \expndtw-1\ch
arscalex100 26.15%\tab \up0 \expndtw-1\charscalex100 31.23%\tab \up0 \expndtw-1\
charscalex100 32.33%\tab \up0 \expndtw-1\charscalex100 31.93%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total as
sets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 61.8
3%\tab \up0 \expndtw-1\charscalex100 60.41%\tab \up0 \expndtw-1\charscalex100 50
.53%\tab \up0 \expndtw-1\charscalex100 50.02%\tab \up0 \expndtw-1\charscalex100
50.64%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11
297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to to
tal assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 72.25%\tab \up0 \expndtw-1\charscalex100 74.35%\tab \up0 \expndtw-1\charscalex
100 68.29%\tab \up0 \expndtw-1\charscalex100 73.06%\tab \up0 \expndtw-1\charscal
ex100 73.36%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx1021
7\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total li

abilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu

b\cf56\f57\fs12 88.56%\tab \up0 \expndtw-1\charscalex100 92.21%\tab \up0 \expndt
w-1\charscalex100 92.87%\tab \up0 \expndtw-1\charscalex100 93.82%\tab \up0 \expn
dtw-1\charscalex100 93.43%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx805
7\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 89.17%\tab \up0 \expndtw-1\charscalex100 86.23%\tab \u
p0 \expndtw-1\charscalex100 79.68%\tab \up0 \expndtw-1\charscalex100 77.42%\tab
\up0 \expndtw-1\charscalex100 77.11%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 81.22%\tab \up0 \expndtw-1\cha
rscalex100 76.53%\tab \up0 \expndtw-1\charscalex100 62.09%\tab \up0 \expndtw-1\c
harscalex100 65.76%\tab \up0 \expndtw-1\charscalex100 65.07%\par\pard\li900\sb15
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\t
x9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 5.22%\tab \up0 \expndtw-1\charscalex100 8.40%\
tab \up0 \expndtw-1\charscalex100 10.85%\tab \up0 \expndtw-1\charscalex100 16.34
%\tab \up0 \expndtw-1\charscalex100 15.74%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7304\tx8384\tx9197\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn
2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.15%\tab \up0 \expndtw-1\chars
calex100 11.57%\tab \up0 \expndtw-1\charscalex100 10.47%\par\pard\li900\sb19\sl161\slmult0\fi194\tx6977\tx8057\tx9137\tx10143\tx11223 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 45.95%\tab \up0 \expndtw
-1\charscalex100 73.47%\tab \up0 \expndtw-1\charscalex100 93.83%\tab \up0 \expnd
tw-1\charscalex100 148.71%\tab \up0 \expndtw-1\charscalex100 146.37%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11357 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisio
ns (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 56.65
%\tab \up0 \expndtw-1\charscalex100 40.08%\tab \up0 \expndtw-1\charscalex100 31.
14%\tab \up0 \expndtw-1\charscalex100 12.58%\tab \up0 \expndtw-1\charscalex100 4
.01%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx112
97 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision again
st NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 77.21%\tab \up0 \expndtw-1\charscalex100 68.60%\tab \up0 \expndtw-1\chars
calex100 65.96%\tab \up0 \expndtw-1\charscalex100 70.83%\tab \up0 \expndtw-1\cha
rscalex100 66.51%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\
sb1\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.32%\tab \up0 \expndtw-1\charsc
alex100 7.33%\tab \up0 \expndtw-1\charscalex100 6.29%\tab \up0 \expndtw-1\charsc
alex100 6.22%\tab \up0 \expndtw-1\charscalex100 6.08%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E
5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.8
9\tab \up0 \expndtw-1\charscalex100 5.12\tab \up0 \expndtw-1\charscalex100 7.01\
tab \up0 \expndtw-1\charscalex100 9.92\tab \up0 \expndtw-1\charscalex100 9.78\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per sha
re (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.53\
tab \up0 \expndtw-1\charscalex100 19.14\tab \up0 \expndtw-1\charscalex100 18.67\
tab \up0 \expndtw-1\charscalex100 22.73\tab \up0 \expndtw-1\charscalex100 21.59\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8163\tx9243\tx10323\tx11403 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to tot

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f57\fs12 9.87\tab \up0 \expndtw-1\charscalex100 10.14\tab \up0 \expndtw-1\charsc
alex100 10.86\tab \up0 \expndtw-1\charscalex100 11.76\tab \up0 \expndtw-1\charsc
alex100 12.06\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\sl
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0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities to profit a
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\f57\fs12 3.20\tab \up0 \expndtw-1\charscalex100 1.69\tab \up0 \expndtw-1\charsc
alex100 14.76\tab \up0 \expndtw-1\charscalex100 7.46\tab \up0 \expndtw-1\charsca
lex100 4.62\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-16
1\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g53}{\bkmkend Pg53}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 HABIB BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi
90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosup
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\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsc
alex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscal

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x10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equit
y (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50,
741,564\tab \up0 \expndtw-1\charscalex100 61,290,814\tab \up0 \expndtw-1\charsca
lex100 75,133,715\tab \up0 \expndtw-1\charscalex100 86,842,059\tab \up0 \expndtw
-1\charscalex100 100,147,132\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 6,900,000\tab \up0 \expndtw-1\charscalex100 7,590,000\tab \up0 \expndtw-1\c
harscalex100 9,108,000\tab \up0 \expndtw-1\charscalex100 10,018,800\tab \up0 \ex
pndtw-1\charscalex100 11,020,680\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753
\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 18,628,584\tab \up0 \expndtw-1\charscalex100 22,882,318\tab \up0 \expndtw-1
\charscalex100 27,527,380\tab \up0 \expndtw-1\charscalex100 29,355,555\tab \up0
\expndtw-1\charscalex100 32,145,755\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 25,212,980\tab \up0 \expndtw-1\charscalex100 30,818,496\ta
b \up0 \expndtw-1\charscalex100 38,498,335\tab \up0 \expndtw-1\charscalex100 47,
467,704\tab \up0 \expndtw-1\charscalex100 56,980,697\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 7,202,391\tab \up0 \expndtw-1\charscalex100 3,753,597\ta
b \up0 \expndtw-1\charscalex100 9,236,083\tab \up0 \expndtw-1\charscalex100 9,40
8,712\tab \up0 \expndtw-1\charscalex100 9,439,856\par\pard\li900\sb39\sl-155\slm
ult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10893 \dn3 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 597,894,901\tab \up0 \expndtw-1\charscal
ex100 652,237,599\tab \up0 \expndtw-1\charscalex100 779,554,995\tab \up0 \expndt
w-1\charscalex100 828,448,632\tab \up0 \expndtw-1\charscalex100 1,029,967,217\pa
r\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx10053\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,379,440\tab \up0 \expn
dtw-1\charscalex100 9,781,077\tab \up0 \expndtw-1\charscalex100 10,041,542\tab \
up0 \expndtw-1\charscalex100 9,775,093\tab \up0 \expndtw-1\charscalex100 13,894,
502\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from f
inancial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 52,218,228\tab \up0 \expndtw-1\charscalex100 44,022,676\tab \up0 \expndtw1\charscalex100 52,542,978\tab \up0 \expndtw-1\charscalex100 40,459,860\tab \up0
\expndtw-1\charscalex100 39,473,670\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 508,986,541\tab \up0 \expndtw-1\charscalex100 572,39
9,187\tab \up0 \expndtw-1\charscalex100 682,750,079\tab \up0 \expndtw-1\charscal
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b19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \exp
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\expndtw-1\charscalex100 30,838,880\tab \up0 \expndtw-1\charscalex100 42,967,52
0\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10893 \d
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C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
655,838,856\tab \up0 \expndtw-1\charscalex100 717,282,010\tab \up0 \expndtw-1\ch
arscalex100 863,924,793\tab \up0 \expndtw-1\charscalex100 924,699,403\tab \up0 \
expndtw-1\charscalex100 1,139,554,205\par\pard\li900\sb6\sl-161\slmult0\fi194\tx
6753\tx7833\tx8913\tx9993\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charsc

alex100 \ul0\nosupersub\cf56\f57\fs12 55,361,813\tab \up0 \expndtw-1\charscalex1

00 56,359,367\tab \up0 \expndtw-1\charscalex100 79,839,836\tab \up0 \expndtw-1\c
harscalex100 81,640,246\tab \up0 \expndtw-1\charscalex100 103,399,623\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,558,051\tab \up0 \
expndtw-1\charscalex100 32,720,391\tab \up0 \expndtw-1\charscalex100 40,366,687\
tab \up0 \expndtw-1\charscalex100 37,413,185\tab \up0 \expndtw-1\charscalex100 4
7,349,505\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\t
x11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to
financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1,628,130\tab \up0 \expndtw-1\charscalex100 6,193,787\tab \up0 \expndtw-1
\charscalex100 5,352,873\tab \up0 \expndtw-1\charscalex100 30,339,344\tab \up0 \
expndtw-1\charscalex100 41,581,029\par\pard\li900\sb19\sl-161\slmult0\fi194\tx66
78\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 171,932,281\tab \up0 \expndtw-1\charscalex100 127,786,754\tab \up0 \ex
pndtw-1\charscalex100 216,467,532\tab \up0 \expndtw-1\charscalex100 254,909,116\
tab \up0 \expndtw-1\charscalex100 418,604,147\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 380,751,226\tab \up0 \expndtw-1\charscalex100 460,244,67
2\tab \up0 \expndtw-1\charscalex100 490,010,583\tab \up0 \expndtw-1\charscalex10
0 502,445,637\tab \up0 \expndtw-1\charscalex100 503,453,704\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,588,571\tab \up0 \e
xpndtw-1\charscalex100 36,086,044\tab \up0 \expndtw-1\charscalex100 49,438,255\t
ab \up0 \expndtw-1\charscalex100 53,607,643\tab \up0 \expndtw-1\charscalex100 56
,549,062\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx
11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision ag
ainst advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
8,490,698\tab \up0 \expndtw-1\charscalex100 24,536,012\tab \up0 \expndtw-1\chars
calex100 35,348,084\tab \up0 \expndtw-1\charscalex100 42,695,625\tab \up0 \expnd
tw-1\charscalex100 46,086,048\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx
7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 362,260,528\tab \up0 \expndtw-1\charscalex100 435,708
,660\tab \up0 \expndtw-1\charscalex100 454,662,499\tab \up0 \expndtw-1\charscale
x100 459,750,012\tab \up0 \expndtw-1\charscalex100 457,367,656\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 13,582,240\tab \up0 \expndtw-1\charscalex
100 33,490,506\tab \up0 \expndtw-1\charscalex100 16,766,668\tab \up0 \expndtw-1\
charscalex100 16,155,290\tab \up0 \expndtw-1\charscalex100 19,167,654\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31,515,813\tab \up0 \expndt
w-1\charscalex100 25,022,545\tab \up0 \expndtw-1\charscalex100 50,468,698\tab \u
p0 \expndtw-1\charscalex100 44,492,210\tab \up0 \expndtw-1\charscalex100 52,084,
591\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult
0\fi194\tx6753\tx7833\tx8913\tx9993\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 48,342,047\tab \up0 \expndtw-1\charscalex100 61
,157,813\tab \up0 \expndtw-1\charscalex100 76,076,347\tab \up0 \expndtw-1\charsc
alex100 81,325,028\tab \up0 \expndtw-1\charscalex100 98,580\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,001,496\tab \up0 \expndtw-1

\charscalex100 25,523,572\tab \up0 \expndtw-1\charscalex100 33,405,813\tab \up0

\expndtw-1\charscalex100 34,330,255\tab \up0 \expndtw-1\charscalex100 42,182,220
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \d
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income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30,340,
551\tab \up0 \expndtw-1\charscalex100 35,634,241\tab \up0 \expndtw-1\charscalex1
00 42,670,534\tab \up0 \expndtw-1\charscalex100 46,994,773\tab \up0 \expndtw-1\c
harscalex100 56,398,203\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\t
x8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 8,020,766\tab \up0 \expndtw-1\charscalex100 9,295,235\tab \up0 \ex
pndtw-1\charscalex100 9,089,659\tab \up0 \expndtw-1\charscalex100 7,585,664\tab
\up0 \expndtw-1\charscalex100 6,925,497\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,319,785\tab \up0 \expndtw-1\
charscalex100 26,339,006\tab \up0 \expndtw-1\charscalex100 33,580,875\tab \up0 \
expndtw-1\charscalex100 39,409,109\tab \up0 \expndtw-1\charscalex100 49,472,706\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,971,99
0\tab \up0 \expndtw-1\charscalex100 10,336,517\tab \up0 \expndtw-1\charscalex100
11,159,612\tab \up0 \expndtw-1\charscalex100 12,762,431\tab \up0 \expndtw-1\cha
rscalex100 14,782,861\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8
913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7
.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 17,164,773\tab \up0 \expndtw-1\charscalex100 20,820,329\tab \up0
\expndtw-1\charscalex100 23,358,851\tab \up0 \expndtw-1\charscalex100 25,131,51
0\tab \up0 \expndtw-1\charscalex100 29,934,169\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 17,355,732\tab \up0 \expndtw-1\charscalex100 2
0,253,578\tab \up0 \expndtw-1\charscalex100 22,745,955\tab \up0 \expndtw-1\chars
calex100 24,252,960\tab \up0 \expndtw-1\charscalex100 29,433,961\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,127,002\tab \up0 \e
xpndtw-1\charscalex100 5,855,194\tab \up0 \expndtw-1\charscalex100 21,381,636\ta
b \up0 \expndtw-1\charscalex100 27,040,030\tab \up0 \expndtw-1\charscalex100 34,
321,398\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx1
1073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss
) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
8,041,416\tab \up0 \expndtw-1\charscalex100 10,000,980\tab \up0 \expndtw-1\char
scalex100 13,400,749\tab \up0 \expndtw-1\charscalex100 17,034,380\tab \up0 \expn
dtw-1\charscalex100 22,333,022\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\
sb1\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 690,000\tab \up0 \expndtw-1\c
harscalex100 759,000\tab \up0 \expndtw-1\charscalex100 910,800\tab \up0 \expndtw
-1\charscalex100 1,001,880\tab \up0 \expndtw-1\charscalex100 1,102,068\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.40%\tab \up0 \expndtw-1\chars
calex100 55.00%\tab \up0 \expndtw-1\charscalex100 0.60%\tab \up0 \expndtw-1\char
scalex100 0.01%\tab \up0 \expndtw-1\charscalex100 0.70%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.10%\tab \up0 \expndtw-1\charsc
alex100 20.00%\tab \up0 \expndtw-1\charscalex100 0.10%\tab \up0 \expndtw-1\chars

calex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.10%\par\pard\li900\sb19\sl-16

1\slmult0\fi194\tx6753\tx7784\tx8837\tx9993\tx10997 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,210,526\tab \up0 \
expndtw-1\charscalex100 (21,380,958)\tab \up0 \expndtw-1\charscalex100 107,753,1
33\tab \up0 \expndtw-1\charscalex100 42,055,186\tab \up0 \expndtw-1\charscalex10
0 206,730,148\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6677\tx7757\tx8837\tx99
17\tx10997 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitm
ents and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 352,277,094\tab \up0 \expndtw-1\charscalex100 296,820,275\tab \up0 \expndt
w-1\charscalex100 358,083,924\tab \up0 \expndtw-1\charscalex100 253,403,791\tab
\up0 \expndtw-1\charscalex100 572,908,009\par\pard\li900\sb14\sl-184\slmult0\fi4
4 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratio
s/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9
137\tx10217\tx11057 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 62.76%\tab \up0 \expndtw-1\charscalex100 58.27%\tab \up0 \expndtw-1\chars
calex100 56.09%\tab \up0 \expndtw-1\charscalex100 57.79%\tab \up0 \expndtw-1\cha
rscalex100 57,210.59%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9
197\tx10277\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 4.63%\tab \up0 \expndtw-1\charscalex100 4.97%\tab \up0
\expndtw-1\charscalex100 4.94%\tab \up0 \expndtw-1\charscalex100 5.08%\tab \up0
\expndtw-1\charscalex100 -3.69%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\
tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0.16\tab \up0 \expndtw-1\charscalex100 0.16\tab \up0
\expndtw-1\charscalex100 0.18\tab \up0 \expndtw-1\charscalex100 0.20\tab \up0 \e
xpndtw-1\charscalex100 0.22\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx81
17\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 1.23%\tab \up0 \expndtw-1\charscalex100 1.39%\tab \up0 \e
xpndtw-1\charscalex100 1.55%\tab \up0 \expndtw-1\charscalex100 1.84%\tab \up0 \e
xpndtw-1\charscalex100 1.96%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8
117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.22%\tab \up0 \expndtw-1\charsca
lex100 1.44%\tab \up0 \expndtw-1\charscalex100 1.29%\tab \up0 \expndtw-1\charsca
lex100 1.38%\tab \up0 \expndtw-1\charscalex100 1.30%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to to
tal assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
3.40%\tab \up0 \expndtw-1\charscalex100 3.67%\tab \up0 \expndtw-1\charscalex100
3.89%\tab \up0 \expndtw-1\charscalex100 4.26%\tab \up0 \expndtw-1\charscalex100
4.34%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx1
1057 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/intere
st expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 37.24%\tab \up0 \expndtw-1\charscalex100 41.73%\t
ab \up0 \expndtw-1\charscalex100 43.91%\tab \up0 \expndtw-1\charscalex100 42.21%
\tab \up0 \expndtw-1\charscalex100 42,789.84%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.32\tab \up0 \ex
pndtw-1\charscalex100 3.46\tab \up0 \expndtw-1\charscalex100 1.06\tab \up0 \expn
dtw-1\charscalex100 0.90\tab \up0 \expndtw-1\charscalex100 0.86\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11223 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to tot
al income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 30.48%\tab \up0 \expndtw-1\charscalex100 29.12%\tab \up0 \expndtw-1\charsca
lex100 26.78%\tab \up0 \expndtw-1\charscalex100 26.71%\tab \up0 \expndtw-1\chars

calex100 201.15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\t
x10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Ad
min. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.18\tab \up0 \expndtw-1\charscalex
100 1.96\tab \up0 \expndtw-1\charscalex100 2.04\tab \up0 \expndtw-1\charscalex10
0 1.90\tab \up0 \expndtw-1\charscalex100 1.99\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 11.65\tab \up0 \expndtw-1\charscalex100 13
.18\tab \up0 \expndtw-1\charscalex100 14.71\tab \up0 \expndtw-1\charscalex100 17
.00\tab \up0 \expndtw-1\charscalex100 20.26\par\pard\li900\sb14\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity rati
os\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equiva
lent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 11.42%\tab \up0 \expndtw-1\charscalex100 12.42%\tab \up0 \expndtw
-1\charscalex100 13.91%\tab \up0 \expndtw-1\charscalex100 12.87%\tab \up0 \expnd
tw-1\charscalex100 13.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057
\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 26.22%\tab \up0 \expndtw-1\charscalex100 17.82%\tab \up0
\expndtw-1\charscalex100 25.06%\tab \up0 \expndtw-1\charscalex100 27.57%\tab \u
p0 \expndtw-1\charscalex100 36.73%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
77\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55.24%\tab \up0 \expndtw-1\char
scalex100 60.74%\tab \up0 \expndtw-1\charscalex100 52.63%\tab \up0 \expndtw-1\ch
arscalex100 49.72%\tab \up0 \expndtw-1\charscalex100 40.14%\par\pard\li900\sb39\
sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.61%\tab \up0 \expndtw1\charscalex100 79.80%\tab \up0 \expndtw-1\charscalex100 79.03%\tab \up0 \expndt
w-1\charscalex100 80.82%\tab \up0 \expndtw-1\charscalex100 81.93%\par\pard\li900
\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (
B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91.16%\tab
\up0 \expndtw-1\charscalex100 90.93%\tab \up0 \expndtw-1\charscalex100 90.23%\ta
b \up0 \expndtw-1\charscalex100 89.59%\tab \up0 \expndtw-1\charscalex100 90.38%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to de
posits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7
4.81%\tab \up0 \expndtw-1\charscalex100 80.41%\tab \up0 \expndtw-1\charscalex100
71.77%\tab \up0 \expndtw-1\charscalex100 67.23%\tab \up0 \expndtw-1\charscalex1
00 53.92%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\
tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross adva
nces to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 67.85%\tab \up0 \expndtw-1\charscalex100 74.66%\tab \up0
\expndtw-1\charscalex100 66.64%\tab \up0 \expndtw-1\charscalex100 63.78%\tab \up
0 \expndtw-1\charscalex100 51.74%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\pa
r\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\tx10217\tx11297 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to
gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 6.46%\tab \up0 \expndtw-1\charscalex100 7.84%\tab \up0 \expndtw-1\charsca
lex100 10.09%\tab \up0 \expndtw-1\charscalex100 10.67%\tab \up0 \expndtw-1\chars
calex100 11.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9197\tx
10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Prov
isions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 7.21%\tab \up0 \expndtw-1\charscalex100 8.50%\tab \up0 \ex

pndtw-1\charscalex100 9.15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx80
57\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 48.46%\tab \up0 \expndtw-1\charscalex100 58.88%\tab \
up0 \expndtw-1\charscalex100 65.80%\tab \up0 \expndtw-1\charscalex100 61.73%\tab
\up0 \expndtw-1\charscalex100 56.47%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 43.38%\tab \up0 \expndtw-1\charscale
x100 37.88%\tab \up0 \expndtw-1\charscalex100 25.71%\tab \up0 \expndtw-1\charsca
lex100 17.77%\tab \up0 \expndtw-1\charscalex100 15.03%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.20%\tab \up0 \expndt
w-1\charscalex100 67.99%\tab \up0 \expndtw-1\charscalex100 71.50%\tab \up0 \expn
dtw-1\charscalex100 79.64%\tab \up0 \expndtw-1\charscalex100 81.50%\par\pard\li9
00\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx703
7\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 7.74%\tab \up0 \expndtw-1\charscalex100 8.54%\tab \up0 \expndt
w-1\charscalex100 8.70%\tab \up0 \expndtw-1\charscalex100 9.39%\tab \up0 \expndt
w-1\charscalex100 8.79%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\t
x9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.94\tab \up0 \expndtw-1\charscal
ex100 4.84\tab \up0 \expndtw-1\charscalex100 4.77\tab \up0 \expndtw-1\charscalex
100 2.92\tab \up0 \expndtw-1\charscalex100 5.72\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 73.54\tab \up0 \expndtw-1\charscalex
100 80.75\tab \up0 \expndtw-1\charscalex100 82.49\tab \up0 \expndtw-1\charscalex
100 86.68\tab \up0 \expndtw-1\charscalex100 90.87\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7083\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.03\tab \up0 \expnd
tw-1\charscalex100 9.34\tab \up0 \expndtw-1\charscalex100 9.09\tab \up0 \expndtw
-1\charscalex100 8.61\tab \up0 \expndtw-1\charscalex100 9.32\par\pard\ql \li944\
sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J
.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8159\tx9303\tx
10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
generated from opration activities to profit after tax (E4/D10) (times)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.77\tab \up0 \expndtw1\charscalex100 -2.14\tab \up0 \expndtw-1\charscalex100 8.04\tab \up0 \expndtw-1
\charscalex100 2.47\tab \up0 \expndtw-1\charscalex100 9.26\par\pard\ql \li6089\s
b0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0
\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 45
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g54}{\bkmkend Pg54}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 HABIB METROPOLITAN BANK LIMITED\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-1
97\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \exp
ndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expnd
tw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx
8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 13,462,244\tab \up0 \expndtw-1\charscalex100 16,149,648\tab \up0 \expn
dtw-1\charscalex100 18,900,286\tab \up0 \expndtw-1\charscalex100 20,956,902\tab
\up0 \expndtw-1\charscalex100 24,246,101\par\pard\li900\sb0\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 5,018,350\tab \up0 \expndtw-1\charscalex100 6,022,020\tab \up0
\expndtw-1\charscalex100 7,527,525\tab \up0 \expndtw-1\charscalex100 8,731,929\
tab \up0 \expndtw-1\charscalex100 10,478,315\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 6,383,936\tab \up0 \expndtw-1\charscalex100 7,039,936\tab \up0
\expndtw-1\charscalex100 7,587,835\tab \up0 \expndtw-1\charscalex100 8,151,443\
tab \up0 \expndtw-1\charscalex100 8,807,718\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 2,059,958\tab \up0 \expndtw-1\charscalex100 3,087
,692\tab \up0 \expndtw-1\charscalex100 3,784,926\tab \up0 \expndtw-1\charscalex1
00 4,073,530\tab \up0 \expndtw-1\charscalex100 4,960,068\par\pard\li900\sb19\sl161\slmult0\fi194\tx6978\tx7844\tx9030\tx10110\tx11238 \dn2 \expndtw-2\charscale
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l0\nosupersub\cf56\f57\fs12 55,948\tab \up0 \expndtw-1\charscalex100 (1,144,998)
\tab \up0 \expndtw-1\charscalex100 (148,629)\tab \up0 \expndtw-1\charscalex100 (

646,585)\tab \up0 \expndtw-1\charscalex100 335,268\par\pard\li900\sb39\sl-155\sl

mult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 159,348,809\tab \up0 \expndtw-1\charsca
lex100 167,706,203\tab \up0 \expndtw-1\charscalex100 218,406,844\tab \up0 \expnd
tw-1\charscalex100 231,820,564\tab \up0 \expndtw-1\charscalex100 263,619,288\par
\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,210,041\tab \up0 \expndt
w-1\charscalex100 2,372,146\tab \up0 \expndtw-1\charscalex100 3,111,467\tab \up0
\expndtw-1\charscalex100 2,572,954\tab \up0 \expndtw-1\charscalex100 3,733,794\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from finan
cial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 29,991,633\tab \up0 \expndtw-1\charscalex100 30,372,598\tab \up0 \expndtw-1\ch
arscalex100 68,186,674\tab \up0 \expndtw-1\charscalex100 62,529,729\tab \up0 \ex
pndtw-1\charscalex100 66,641,226\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678
\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 121,066,469\tab \up0 \expndtw-1\charscalex100 128,432,61
6\tab \up0 \expndtw-1\charscalex100 142,185,495\tab \up0 \expndtw-1\charscalex10
0 160,314,211\tab \up0 \expndtw-1\charscalex100 185,281,216\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,080,666\tab \up0 \expndtw-1\ch
arscalex100 6,528,843\tab \up0 \expndtw-1\charscalex100 4,923,208\tab \up0 \expn
dtw-1\charscalex100 6,403,670\tab \up0 \expndtw-1\charscalex100 7,963,052\par\pa
rd\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8
to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 172,867,
001\tab \up0 \expndtw-1\charscalex100 182,710,853\tab \up0 \expndtw-1\charscalex
100 237,158,501\tab \up0 \expndtw-1\charscalex100 252,130,881\tab \up0 \expndtw1\charscalex100 288,200,657\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx783
3\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 10,201,545\tab \up0 \expndtw-1\charscalex100 11,401,
384\tab \up0 \expndtw-1\charscalex100 11,192,498\tab \up0 \expndtw-1\charscalex1
00 13,923,393\tab \up0 \expndtw-1\charscalex100 14,233,690\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,691,183\tab \up0 \expndtw-1\c
harscalex100 2,974,237\tab \up0 \expndtw-1\charscalex100 4,836,399\tab \up0 \exp
ndtw-1\charscalex100 3,123,094\tab \up0 \expndtw-1\charscalex100 3,551,591\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx8058\tx9078\tx10053\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial inst
itutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,989,2
49\tab \up0 \expndtw-1\charscalex100 98,176\tab \up0 \expndtw-1\charscalex100 15
0,000\tab \up0 \expndtw-1\charscalex100 3,190,399\tab \up0 \expndtw-1\charscalex
100 2,361,754\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8838\tx99
18\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investm
ents\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 61,735,796\
tab \up0 \expndtw-1\charscalex100 53,631,532\tab \up0 \expndtw-1\charscalex100 1
11,679,520\tab \up0 \expndtw-1\charscalex100 100,849,146\tab \up0 \expndtw-1\cha
rscalex100 147,459,163\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx
8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
91,044,061\tab \up0 \expndtw-1\charscalex100 110,391,364\tab \up0 \expndtw-1\ch
arscalex100 106,922,608\tab \up0 \expndtw-1\charscalex100 127,350,007\tab \up0 \
expndtw-1\charscalex100 119,679,648\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
918\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\

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x100 \ul0\nosupersub\cf56\f57\fs12 804,247\tab \up0 \expndtw-1\charscalex100 1,7
47,599\tab \up0 \expndtw-1\charscalex100 6,364,665\tab \up0 \expndtw-1\charscale
x100 7,463,452\tab \up0 \expndtw-1\charscalex100 15,427,848\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,217,255\tab \up0 \expndtw-1
\charscalex100 2,130,105\tab \up0 \expndtw-1\charscalex100 4,629,476\tab \up0 \e
xpndtw-1\charscalex100 7,522,371\tab \up0 \expndtw-1\charscalex100 10,022,934\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx8838\tx9918\tx10998 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisi
on (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89,82
6,806\tab \up0 \expndtw-1\charscalex100 108,261,259\tab \up0 \expndtw-1\charscal
ex100 102,293,132\tab \up0 \expndtw-1\charscalex100 119,827,636\tab \up0 \expndt
w-1\charscalex100 109,656,714\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx
7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1,294,486\tab \up0 \expndtw-1\charscalex100 1,583,360\tab \up0 \expndtw-1
\charscalex100 2,465,977\tab \up0 \expndtw-1\charscalex100 3,387,452\tab \up0 \e
xpndtw-1\charscalex100 3,230,658\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 2,127,936\tab \up0 \expndtw-1\charscalex100 4,760,905\tab \up0
\expndtw-1\charscalex100 4,540,975\tab \up0 \expndtw-1\charscalex100 7,829,761\t
ab \up0 \expndtw-1\charscalex100 7,707,087\par\pard\li900\sb14\sl-184\slmult0\fi
44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss a
ccount\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx110
73 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest
earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,983,5
51\tab \up0 \expndtw-1\charscalex100 15,870,172\tab \up0 \expndtw-1\charscalex10
0 21,376,259\tab \up0 \expndtw-1\charscalex100 23,281,800\tab \up0 \expndtw-1\ch
arscalex100 23,380,314\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx
8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 8,259,184\tab \up0 \expndtw-1\charscalex100 10,919,922\tab \up0 \ex
pndtw-1\charscalex100 14,636,228\tab \up0 \expndtw-1\charscalex100 16,407,604\ta
b \up0 \expndtw-1\charscalex100 16,433,491\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 3,724,367\tab \up0 \expndtw-1\charscalex100
4,950,250\tab \up0 \expndtw-1\charscalex100 6,740,031\tab \up0 \expndtw-1\charsc
alex100 6,874,196\tab \up0 \expndtw-1\charscalex100 6,946,823\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 442,160\tab \up0 \expndtw-1\
charscalex100 1,249,820\tab \up0 \expndtw-1\charscalex100 2,569,646\tab \up0 \ex
pndtw-1\charscalex100 3,041,548\tab \up0 \expndtw-1\charscalex100 3,041,548\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest in
come after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 3,282,207\tab \up0 \expndtw-1\charscalex100 3,700,430\tab \up0 \expndtw-1\
charscalex100 4,141,160\tab \up0 \expndtw-1\charscalex100 3,832,648\tab \up0 \ex
pndtw-1\charscalex100 3,905,275\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 3,175,706\tab \up0 \expndtw-1\charscalex100 3,928,506\t
ab \up0 \expndtw-1\charscalex100 3,713,321\tab \up0 \expndtw-1\charscalex100 4,4
29,981\tab \up0 \expndtw-1\charscalex100 4,429,070\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-

1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,254,015\tab \up0 \expndtw-1\char

scalex100 3,233,784\tab \up0 \expndtw-1\charscalex100 3,656,972\tab \up0 \expndt
w-1\charscalex100 4,335,039\tab \up0 \expndtw-1\charscalex100 4,308,010\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,253,559\tab \up0 \
expndtw-1\charscalex100 3,086,634\tab \up0 \expndtw-1\charscalex100 3,550,647\ta
b \up0 \expndtw-1\charscalex100 4,199,115\tab \up0 \expndtw-1\charscalex100 4,17
2,840\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss)
before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
4,203,898\tab \up0 \expndtw-1\charscalex100 4,740,110\tab \up0 \expndtw-1\charsc
alex100 4,226,734\tab \up0 \expndtw-1\charscalex100 4,027,590\tab \up0 \expndtw1\charscalex100 4,026,335\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 2,797,006\tab \up0 \expndtw-1\charscalex100 3,277,377\tab \u
p0 \expndtw-1\charscalex100 2,746,563\tab \up0 \expndtw-1\charscalex100 2,809,36
9\tab \up0 \expndtw-1\charscalex100 2,818,038\par\pard\li900\sb14\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\
par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary share
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 501,835\tab \u
p0 \expndtw-1\charscalex100 602,202\tab \up0 \expndtw-1\charscalex100 752,753\ta
b \up0 \expndtw-1\charscalex100 873,193\tab \up0 \expndtw-1\charscalex100 1,047,
832\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9093\tx10248\tx1132
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.10%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9093\tx10248\tx11328 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.87%\tab \up0 \exp
ndtw-1\charscalex100 25.00%\tab \up0 \expndtw-1\charscalex100 16.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.20%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6753\tx7844\tx8913\tx10004\tx11084 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating a
ctivities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,073
,676\tab \up0 \expndtw-1\charscalex100 (6,265,387)\tab \up0 \expndtw-1\charscale
x100 58,187,921\tab \up0 \expndtw-1\charscalex100 (6,943,837)\tab \up0 \expndtw1\charscalex100 (6,943,837)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx78
33\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 97,951,953\tab \up0 \expndtw-1\charscalex100 80,361,851\tab
\up0 \expndtw-1\charscalex100 116,806,754\tab \up0 \expndtw-1\charscalex100 200,
438,547\tab \up0 \expndtw-1\charscalex100 200,438,547\par\pard\li900\sb14\sl-184
\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Effi
ciency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx697
8\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 31.08%\tab \up0 \expndtw-1\charscalex100 31.19%\tab \up0 \exp
ndtw-1\charscalex100 31.53%\tab \up0 \expndtw-1\charscalex100 29.53%\tab \up0 \e
xpndtw-1\charscalex100 29.71%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx
8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 2.15%\tab \up0 \expndtw-1\charscalex100 2.71%\t
ab \up0 \expndtw-1\charscalex100 2.84%\tab \up0 \expndtw-1\charscalex100 2.73%\t
ab \up0 \expndtw-1\charscalex100 2.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex

100 \ul0\nosupersub\cf56\f57\fs12 0.21\tab \up0 \expndtw-1\charscalex100 0.20\ta

b \up0 \expndtw-1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 0.13\tab
\up0 \expndtw-1\charscalex100 0.12\par\pard\li900\sb19\sl-161\slmult0\fi194\tx70
38\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1.62%\tab \up0 \expndtw-1\charscalex100 1.79%\tab
\up0 \expndtw-1\charscalex100 1.16%\tab \up0 \expndtw-1\charscalex100 1.11%\tab
\up0 \expndtw-1\charscalex100 0.98%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.84%\tab \up0 \expndtw-1\
charscalex100 2.15%\tab \up0 \expndtw-1\charscalex100 1.57%\tab \up0 \expndtw-1\
charscalex100 1.76%\tab \up0 \expndtw-1\charscalex100 1.54%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.
) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 1.90%\tab \up0 \expndtw-1\charscalex100 2.03%\tab \up0 \expndtw-1\charsc
alex100 1.75%\tab \up0 \expndtw-1\charscalex100 1.52%\tab \up0 \expndtw-1\charsc
alex100 1.36%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup
/interest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 68.92%\tab \up0 \expndtw-1\charscalex100 6
8.81%\tab \up0 \expndtw-1\charscalex100 68.47%\tab \up0 \expndtw-1\charscalex100
70.47%\tab \up0 \expndtw-1\charscalex100 70.29%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.54\tab \up0
\expndtw-1\charscalex100 0.65\tab \up0 \expndtw-1\charscalex100 0.84\tab \up0 \e
xpndtw-1\charscalex100 1.04\tab \up0 \expndtw-1\charscalex100 1.04\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to
total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 14.87%\tab \up0 \expndtw-1\charscalex100 16.33%\tab \up0 \expndtw-1\char
scalex100 14.58%\tab \up0 \expndtw-1\charscalex100 15.64%\tab \up0 \expndtw-1\ch
arscalex100 15.49%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303
\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.
Admin. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.71\tab \up0 \expndtw-1\charscal
ex100 0.79\tab \up0 \expndtw-1\charscalex100 0.96\tab \up0 \expndtw-1\charscalex
100 0.95\tab \up0 \expndtw-1\charscalex100 0.94\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 5.57\tab \up0 \expndtw-1\charscalex100 5
.44\tab \up0 \expndtw-1\charscalex100 3.65\tab \up0 \expndtw-1\charscalex100 3.2
2\tab \up0 \expndtw-1\charscalex100 2.69\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\
par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalen
t to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 8.04%\tab \up0 \expndtw-1\charscalex100 7.87%\tab \up0 \expndtw-1\ch
arscalex100 6.76%\tab \up0 \expndtw-1\charscalex100 6.76%\tab \up0 \expndtw-1\ch
arscalex100 6.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.In
vestment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 35.71%\tab \up0 \expndtw-1\charscalex100 29.35%\tab \up0 \expndt
w-1\charscalex100 47.09%\tab \up0 \expndtw-1\charscalex100 40.00%\tab \up0 \expn
dtw-1\charscalex100 51.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 51.96%\tab \up0 \expndtw-1\charscalex10

0 59.25%\tab \up0 \expndtw-1\charscalex100 43.13%\tab \up0 \expndtw-1\charscalex

100 47.53%\tab \up0 \expndtw-1\charscalex100 38.05%\par\pard\li900\sb39\sl-155\s
lmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 70.03%\tab \up0 \expndtw-1\charsc
alex100 70.29%\tab \up0 \expndtw-1\charscalex100 59.95%\tab \up0 \expndtw-1\char
scalex100 63.58%\tab \up0 \expndtw-1\charscalex100 64.29%\par\pard\li900\sb6\sl161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 92.18%\tab \up0 \ex
pndtw-1\charscalex100 91.79%\tab \up0 \expndtw-1\charscalex100 92.09%\tab \up0 \
expndtw-1\charscalex100 91.94%\tab \up0 \expndtw-1\charscalex100 91.47%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (
C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.20%\ta
b \up0 \expndtw-1\charscalex100 85.95%\tab \up0 \expndtw-1\charscalex100 75.20%\
tab \up0 \expndtw-1\charscalex100 79.44%\tab \up0 \expndtw-1\charscalex100 64.59
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to
borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 60.27%\tab \up0 \expndtw-1\charscalex100 69.51%\tab \up0 \expndtw
-1\charscalex100 50.83%\tab \up0 \expndtw-1\charscalex100 57.15%\tab \up0 \expnd
tw-1\charscalex100 47.51%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\l
i900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross ad
vances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
.88%\tab \up0 \expndtw-1\charscalex100 1.58%\tab \up0 \expndtw-1\charscalex100 5
.95%\tab \up0 \expndtw-1\charscalex100 5.86%\tab \up0 \expndtw-1\charscalex100 1
2.89%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9198\tx10278\tx11
358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions aga
inst NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 4.33%\tab \up0 \expndtw-1\charscalex100 5.91%\tab \up0 \expndtw-1\ch
arscalex100 8.37%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NP
Ls to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 5.97%\tab \up0 \expndtw-1\charscalex100 10.82%\tab \up0 \expndt
w-1\charscalex100 33.67%\tab \up0 \expndtw-1\charscalex100 35.61%\tab \up0 \expn
dtw-1\charscalex100 63.63%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 36.32%\tab \up0 \expndtw-1\charscalex100 58.67%
\tab \up0 \expndtw-1\charscalex100 55.51%\tab \up0 \expndtw-1\charscalex100 40.4
3%\tab \up0 \expndtw-1\charscalex100 30.35%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6903\tx7983\tx9138\tx10143\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 151.35%\tab \up0 \expndtw-1\charsc
alex100 121.89%\tab \up0 \expndtw-1\charscalex100 72.74%\tab \up0 \expndtw-1\cha
rscalex100 100.79%\tab \up0 \expndtw-1\charscalex100 64.97%\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 7.79%\tab \up0 \expndtw-1\charscalex100 8.84%\tab \up0 \expndtw-1\char
scalex100 7.97%\tab \up0 \expndtw-1\charscalex100 8.31%\tab \up0 \expndtw-1\char
scalex100 8.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Comm
itments & contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 7.28\tab \up0 \expndtw-1\charscalex100 4.

98\tab \up0 \expndtw-1\charscalex100 6.18\tab \up0 \expndtw-1\charscalex100 9.56

\tab \up0 \expndtw-1\charscalex100 8.27\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 26.83\tab \up0 \expndtw-1\charscalex100 26.8
2\tab \up0 \expndtw-1\charscalex100 25.11\tab \up0 \expndtw-1\charscalex100 24.0
0\tab \up0 \expndtw-1\charscalex100 23.14\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.99\tab \up0 \expndtw-1\char
scalex100 7.95\tab \up0 \expndtw-1\charscalex100 7.52\tab \up0 \expndtw-1\charsc
alex100 7.65\tab \up0 \expndtw-1\charscalex100 7.64\par\pard\ql \li944\sb7\sl-18
4\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flo
w ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8160\tx9243\tx10320\tx1
1400 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generate
d from opration activities to profit after tax (E4/D10) (times)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.82\tab \up0 \expndtw-1\charsca
lex100 -1.91\tab \up0 \expndtw-1\charscalex100 21.19\tab \up0 \expndtw-1\charsca
lex100 -2.47\tab \up0 \expndtw-1\charscalex100 -2.46\par\pard\ql \li6089\sb0\sl161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-16
1\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 46
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g55}{\bkmkend Pg55}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f

s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca

lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 JS BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\
tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f5
5\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscale
x100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex1
00 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx1
1133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,141
,351\tab \up0 \expndtw-1\charscalex100 5,784,628\tab \up0 \expndtw-1\charscalex1
00 5,622,453\tab \up0 \expndtw-1\charscalex100 7,237,084\tab \up0 \expndtw-1\cha
rscalex100 9,450,850\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,
106,337\tab \up0 \expndtw-1\charscalex100 5,694,844\tab \up0 \expndtw-1\charscal
ex100 6,127,605\tab \up0 \expndtw-1\charscalex100 8,149,715\tab \up0 \expndtw-1\
charscalex100 10,002,930\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,
086\tab \up0 \expndtw-1\charscalex100 18,040\tab \up0 \expndtw-1\charscalex100 1
8,040\tab \up0 \expndtw-1\charscalex100 18,040\tab \up0 \expndtw-1\charscalex100
89,978\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx10110\tx
11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropria
ted profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27,92
8\tab \up0 \expndtw-1\charscalex100 71,744\tab \up0 \expndtw-1\charscalex100 (52
3,192)\tab \up0 \expndtw-1\charscalex100 (930,671)\tab \up0 \expndtw-1\charscale
x100 (642,058)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7950\tx9138\tx1
0004\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 52,456\tab \up
0 \expndtw-1\charscalex100 (508,791)\tab \up0 \expndtw-1\charscalex100 32,106\ta
b \up0 \expndtw-1\charscalex100 (1,398,798)\tab \up0 \expndtw-1\charscalex100 (6
69,814)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11
073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilit
ies(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15
,133,945\tab \up0 \expndtw-1\charscalex100 16,351,965\tab \up0 \expndtw-1\charsc
alex100 27,240,361\tab \up0 \expndtw-1\charscalex100 33,545,361\tab \up0 \expndt
w-1\charscalex100 45,721,589\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx79
98\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 727,179\tab \up0 \expndtw-1\charscalex100 127,922\tab \up0 \expndtw-1\char
scalex100 320,492\tab \up0 \expndtw-1\charscalex100 369,620\tab \up0 \expndtw-1\
charscalex100 1,246,994\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\t
x8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Borrowings from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 481,147\tab \up0 \expndtw-1\charscalex100 537,655\tab
\up0 \expndtw-1\charscalex100 5,039,635\tab \up0 \expndtw-1\charscalex100 5,524
,410\tab \up0 \expndtw-1\charscalex100 3,171,800\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 13,679,898\tab \up0 \expndtw-1\charscale
x100 15,294,273\tab \up0 \expndtw-1\charscalex100 21,313,791\tab \up0 \expndtw-1
\charscalex100 26,276,328\tab \up0 \expndtw-1\charscalex100 40,174,351\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 245,721\tab \up0 \exp
ndtw-1\charscalex100 392,115\tab \up0 \expndtw-1\charscalex100 566,443\tab \up0
\expndtw-1\charscalex100 1,375,003\tab \up0 \expndtw-1\charscalex100 1,128,444\p

ar\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4
+ C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,
327,752\tab \up0 \expndtw-1\charscalex100 21,627,802\tab \up0 \expndtw-1\charsca
lex100 32,894,920\tab \up0 \expndtw-1\charscalex100 39,383,647\tab \up0 \expndtw
-1\charscalex100 54,502,625\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx789
3\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 977,235\tab \up0 \expndtw-1\charscalex100 1,285,247
\tab \up0 \expndtw-1\charscalex100 1,764,403\tab \up0 \expndtw-1\charscalex100 2
,298,806\tab \up0 \expndtw-1\charscalex100 3,880,782\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6918\tx7998\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 254,079\tab \up0 \expndtw-1\charscale
x100 672,271\tab \up0 \expndtw-1\charscalex100 1,820,857\tab \up0 \expndtw-1\cha
rscalex100 917,802\tab \up0 \expndtw-1\charscalex100 165,067\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,601,211\tab \up0 \e
xpndtw-1\charscalex100 1,405,210\tab \up0 \expndtw-1\charscalex100 3,482,564\tab
\up0 \expndtw-1\charscalex100 3,643,360\tab \up0 \expndtw-1\charscalex100 3,803
,022\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx1107
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,109,536\tab \up0 \
expndtw-1\charscalex100 5,138,709\tab \up0 \expndtw-1\charscalex100 9,535,555\ta
b \up0 \expndtw-1\charscalex100 13,701,699\tab \up0 \expndtw-1\charscalex100 22,
906,646\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx1
1073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advance
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,593,635\tab
\up0 \expndtw-1\charscalex100 9,810,093\tab \up0 \expndtw-1\charscalex100 12,167
,220\tab \up0 \expndtw-1\charscalex100 14,505,537\tab \up0 \expndtw-1\charscalex
100 18,543,633\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1
0053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advan
ces-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 143,604\tab \up0 \expndtw-1\charscalex100 455,504\tab \up0 \expndt
w-1\charscalex100 857,059\tab \up0 \expndtw-1\charscalex100 1,902,566\tab \up0 \
expndtw-1\charscalex100 2,776,895\par\pard\li900\sb19\sl-161\slmult0\fi194\tx691
8\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 117,672\tab \up0 \expndtw-1\charscalex100 129,644\tab \
up0 \expndtw-1\charscalex100 477,567\tab \up0 \expndtw-1\charscalex100 527,424\t
ab \up0 \expndtw-1\charscalex100 513,749\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 6,475,963\tab \up0 \expndtw-1\charscalex10
0 9,680,449\tab \up0 \expndtw-1\charscalex100 11,689,653\tab \up0 \expndtw-1\cha
rscalex100 13,978,113\tab \up0 \expndtw-1\charscalex100 18,029,884\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 491,736\tab \up0 \expndtw-1\charscal
ex100 2,496,883\tab \up0 \expndtw-1\charscalex100 3,039,329\tab \up0 \expndtw-1\
charscalex100 2,882,941\tab \up0 \expndtw-1\charscalex100 3,064,883\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,417,992\tab \up0 \expndtw1\charscalex100 949,033\tab \up0 \expndtw-1\charscalex100 1,562,559\tab \up0 \ex
pndtw-1\charscalex100 1,960,926\tab \up0 \expndtw-1\charscalex100 2,652,341\par\
pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\
tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers

ub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 1,130,383\tab \up0 \expndtw-1\charscalex100 1,975,203\
tab \up0 \expndtw-1\charscalex100 2,527,295\tab \up0 \expndtw-1\charscalex100 3,
299,767\tab \up0 \expndtw-1\charscalex100 4,319,252\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 864,300\tab \up0 \expndtw-1\charscale
x100 1,361,738\tab \up0 \expndtw-1\charscalex100 1,806,709\tab \up0 \expndtw-1\c
harscalex100 2,255,014\tab \up0 \expndtw-1\charscalex100 2,583,678\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 266,083\tab \up0 \ex
pndtw-1\charscalex100 613,465\tab \up0 \expndtw-1\charscalex100 720,586\tab \up0
\expndtw-1\charscalex100 1,044,753\tab \up0 \expndtw-1\charscalex100 1,735,574\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8058\tx9078\tx10158\tx11238 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write
-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,727\tab
\up0 \expndtw-1\charscalex100 11,218\tab \up0 \expndtw-1\charscalex100 772,688\t
ab \up0 \expndtw-1\charscalex100 136,484\tab \up0 \expndtw-1\charscalex100 151,1
99\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9090\tx10158\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/intere
st income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 256,356\tab \up0 \expndtw-1\charscalex100 602,247\tab \up0 \expndtw
-1\charscalex100 (52,102)\tab \up0 \expndtw-1\charscalex100 908,269\tab \up0 \ex
pndtw-1\charscalex100 1,886,773\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 418,340\tab \up0 \expndtw-1\charscalex100 492,345\tab \
up0 \expndtw-1\charscalex100 339,470\tab \up0 \expndtw-1\charscalex100 332,974\t
ab \up0 \expndtw-1\charscalex100 769,937\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 736,917\tab \up0 \expndtw-1\charscalex100 98
3,367\tab \up0 \expndtw-1\charscalex100 1,736,161\tab \up0 \expndtw-1\charscalex
100 1,863,793\tab \up0 \expndtw-1\charscalex100 2,119,374\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 736,263\tab \up0 \expndtw-1\charsc
alex100 982,624\tab \up0 \expndtw-1\charscalex100 1,734,815\tab \up0 \expndtw-1\
charscalex100 1,846,840\tab \up0 \expndtw-1\charscalex100 2,111,534\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx8924\tx10110\tx11238 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 97,625\tab \up0 \e
xpndtw-1\charscalex100 111,225\tab \up0 \expndtw-1\charscalex100 (1,448,793)\tab
\up0 \expndtw-1\charscalex100 (622,550)\tab \up0 \expndtw-1\charscalex100 537,3
36\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx10110\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) af
ter taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35,
431\tab \up0 \expndtw-1\charscalex100 54,770\tab \up0 \expndtw-1\charscalex100 (
594,936)\tab \up0 \expndtw-1\charscalex100 (407,479)\tab \up0 \expndtw-1\charsca
lex100 361,645\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmul
t0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 510,634\tab \up0 \expndtw-1\charscalex100 569
,484\tab \up0 \expndtw-1\charscalex100 612,761\tab \up0 \expndtw-1\charscalex100
814,972\tab \up0 \expndtw-1\charscalex100 1,000,293\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 20.00%\ta

b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\ta

b \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
870\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 (660,884)\tab \up0 \expndtw-1\charscale
x100 403,176\tab \up0 \expndtw-1\charscalex100 6,268,544\tab \up0 \expndtw-1\cha
rscalex100 1,760,620\tab \up0 \expndtw-1\charscalex100 3,527,847\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,853,683\tab \up0 \ex
pndtw-1\charscalex100 1,260,563\tab \up0 \expndtw-1\charscalex100 10,400,433\tab
\up0 \expndtw-1\charscalex100 7,898,774\tab \up0 \expndtw-1\charscalex100 7,820
,884\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900
\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23.54%\tab \up0 \expndtw-1\cha
rscalex100 31.06%\tab \up0 \expndtw-1\charscalex100 28.51%\tab \up0 \expndtw-1\c
harscalex100 31.66%\tab \up0 \expndtw-1\charscalex100 40.18%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.31%\tab \up0 \
expndtw-1\charscalex100 2.84%\tab \up0 \expndtw-1\charscalex100 2.19%\tab \up0 \
expndtw-1\charscalex100 2.65%\tab \up0 \expndtw-1\charscalex100 3.18%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10320\tx11463 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.01\tab \up0 \
expndtw-1\charscalex100 0.01\tab \up0 \expndtw-1\charscalex100 -0.11\tab \up0 \e
xpndtw-1\charscalex100 -0.06\tab \up0 \expndtw-1\charscalex100 0.04\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx10215\tx11358 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.17%\tab \up0 \e
xpndtw-1\charscalex100 0.25%\tab \up0 \expndtw-1\charscalex100 -1.81%\tab \up0 \
expndtw-1\charscalex100 -1.03%\tab \up0 \expndtw-1\charscalex100 0.66%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income
to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2.06%\tab \up0 \expndtw-1\charscalex100 2.28%\tab \up0 \expndtw-1\chars
calex100 1.03%\tab \up0 \expndtw-1\charscalex100 0.85%\tab \up0 \expndtw-1\chars
calex100 1.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx1
0278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net m
arkup/interest income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 1.26%\tab \up0 \expndtw-1\charscalex1
00 2.78%\tab \up0 \expndtw-1\charscalex100 -0.16%\tab \up0 \expndtw-1\charscalex
100 2.31%\tab \up0 \expndtw-1\charscalex100 3.46%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/interest incom
e (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 76.46%
\tab \up0 \expndtw-1\charscalex100 68.94%\tab \up0 \expndtw-1\charscalex100 71.4
9%\tab \up0 \expndtw-1\charscalex100 68.34%\tab \up0 \expndtw-1\charscalex100 59
.82%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10320\tx114
63 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense
to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 7.54\tab \up0 \expndtw-1\charscalex100 8.83\tab \up0 \expn
dtw-1\charscalex100 -1.20\tab \up0 \expndtw-1\charscalex100 -2.97\tab \up0 \expn

dtw-1\charscalex100 3.93\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 9.Non-markup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47.58%\tab \up0 \expndtw-1\charsca
lex100 39.85%\tab \up0 \expndtw-1\charscalex100 60.56%\tab \up0 \expndtw-1\chars
calex100 51.31%\tab \up0 \expndtw-1\charscalex100 41.64%\par\pard\li900\sb19\sl161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest in
come (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 1.76\tab \up0 \expndtw-1\charscalex100 2.00\tab \up0 \expndtw-1\charscalex1
00 5.11\tab \up0 \expndtw-1\charscalex100 5.55\tab \up0 \expndtw-1\charscalex100
2.74\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10320\tx11
463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per s
hare (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
07\tab \up0 \expndtw-1\charscalex100 0.10\tab \up0 \expndtw-1\charscalex100 -0.9
7\tab \up0 \expndtw-1\charscalex100 -0.50\tab \up0 \expndtw-1\charscalex100 0.36
\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\
tx7038\tx8118\tx9138\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.06%\tab \up0 \expndtw-1\ch
arscalex100 9.05%\tab \up0 \expndtw-1\charscalex100 10.90%\tab \up0 \expndtw-1\c
harscalex100 8.17%\tab \up0 \expndtw-1\charscalex100 7.42%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30.06%\tab \up0 \expndt
w-1\charscalex100 23.76%\tab \up0 \expndtw-1\charscalex100 28.99%\tab \up0 \expn
dtw-1\charscalex100 34.79%\tab \up0 \expndtw-1\charscalex100 42.03%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to to
tal assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 31.86%\tab \up0 \expndtw-1\charscalex100 44.76%\tab \up0 \expndtw-1\charscalex
100 35.54%\tab \up0 \expndtw-1\charscalex100 35.49%\tab \up0 \expndtw-1\charscal
ex100 33.08%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits
to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 67.30%\tab \up0 \expndtw-1\charscalex100 70.72%\tab \up0 \expndtw-1\char
scalex100 64.79%\tab \up0 \expndtw-1\charscalex100 66.72%\tab \up0 \expndtw-1\ch
arscalex100 73.71%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.To
tal liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 74.45%\tab \up0 \expndtw-1\charscalex100 75.61%\tab \up0 \
expndtw-1\charscalex100 82.81%\tab \up0 \expndtw-1\charscalex100 85.18%\tab \up0
\expndtw-1\charscalex100 83.89%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978
\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 48.20%\tab \up0 \expndtw-1\charscalex100 64.14%\
tab \up0 \expndtw-1\charscalex100 57.09%\tab \up0 \expndtw-1\charscalex100 55.20
%\tab \up0 \expndtw-1\charscalex100 46.16%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.56%\tab \up0 \expndtw
-1\charscalex100 61.96%\tab \up0 \expndtw-1\charscalex100 46.17%\tab \up0 \expnd
tw-1\charscalex100 45.61%\tab \up0 \expndtw-1\charscalex100 42.78%\par\pard\li90
0\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx
8118\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 2.18%\tab \up0 \expndtw-1\charscalex100
4.64%\tab \up0 \expndtw-1\charscalex100 7.04%\tab \up0 \expndtw-1\charscalex100

13.12%\tab \up0 \expndtw-1\charscalex100 14.97%\par\pard\li900\sb19\sl-161\slmul

t0\fi194\tx7304\tx8384\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\ta
b \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.93%\tab \up0 \expndtw-1\
charscalex100 3.64%\tab \up0 \expndtw-1\charscalex100 2.77%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.79%\tab \up0 \expnd
tw-1\charscalex100 7.87%\tab \up0 \expndtw-1\charscalex100 15.24%\tab \up0 \expn
dtw-1\charscalex100 26.29%\tab \up0 \expndtw-1\charscalex100 29.38%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9063\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provision
s (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.27%\
tab \up0 \expndtw-1\charscalex100 8.65%\tab \up0 \expndtw-1\charscalex100 161.80
%\tab \up0 \expndtw-1\charscalex100 25.88%\tab \up0 \expndtw-1\charscalex100 29.
43%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision agains
t NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 81.94%\tab \up0 \expndtw-1\charscalex100 28.46%\tab \up0 \expndtw-1\charsc
alex100 55.72%\tab \up0 \expndtw-1\charscalex100 27.72%\tab \up0 \expndtw-1\char
scalex100 18.50%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\s
b1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.29%\tab \up0 \expndtw-1\charsc
alex100 26.75%\tab \up0 \expndtw-1\charscalex100 17.09%\tab \up0 \expndtw-1\char
scalex100 18.38%\tab \up0 \expndtw-1\charscalex100 17.34%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equit
y (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.75\tab \up0 \expndtw-1\charscalex100 0.22\tab \up0 \expndtw-1\charscalex100 1
.85\tab \up0 \expndtw-1\charscalex100 1.09\tab \up0 \expndtw-1\charscalex100 0.8
3\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per
share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10
.07\tab \up0 \expndtw-1\charscalex100 10.16\tab \up0 \expndtw-1\charscalex100 9.
18\tab \up0 \expndtw-1\charscalex100 8.88\tab \up0 \expndtw-1\charscalex100 9.45
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to to
tal equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 2.66\tab \up0 \expndtw-1\charscalex100 2.64\tab \up0 \expndtw-1\charsc
alex100 3.79\tab \up0 \expndtw-1\charscalex100 3.63\tab \up0 \expndtw-1\charscal
ex100 4.25\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmul
t0\fi0\tx7004\tx8223\tx9164\tx10320\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Cash generated from opration activities to profit afte
r tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 -18.65\tab \up0 \expndtw-1\charscalex100 7.36\tab \up0 \expndtw-1\charsca
lex100 -10.54\tab \up0 \expndtw-1\charscalex100 -4.32\tab \up0 \expndtw-1\charsc
alex100 9.76\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-1
61\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-16
1\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 47
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0\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\
f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsca
lex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscale
x100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\t
x11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equit
y (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,2
50,768\tab \up0 \expndtw-1\charscalex100 3,191,389\tab \up0 \expndtw-1\charscale
x100 4,363,093\tab \up0 \expndtw-1\charscalex100 1,940,292\tab \up0 \expndtw-1\c
harscalex100 9,413,468\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
3,106,978\tab \up0 \expndtw-1\charscalex100 4,014,890\tab \up0 \expndtw-1\charsc
alex100 9,508,617\tab \up0 \expndtw-1\charscalex100 9,508,617\tab \up0 \expndtw1\charscalex100 19,508,617\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx799
8\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
151,287\tab \up0 \expndtw-1\charscalex100 151,287\tab \up0 \expndtw-1\charscalex
100 151,287\tab \up0 \expndtw-1\charscalex100 162,727\tab \up0 \expndtw-1\charsc
alex100 30,839\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7004\tx7950\tx8924\tx1
0004\tx11024 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un ap
propriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 (7,497)\tab \up0 \expndtw-1\charscalex100 (974,788)\tab \up0 \expndtw-1\charsc
alex100 (5,296,811)\tab \up0 \expndtw-1\charscalex100 (7,731,052)\tab \up0 \expn

dtw-1\charscalex100 (10,125,988)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7893\tx8973\tx10053\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 1,033,224\tab \up0 \expndtw-1\charscalex100 6,008,118\tab \up0 \expndtw-1\ch
arscalex100 1,053,728\tab \up0 \expndtw-1\charscalex100 1,037,423\tab \up0 \expn
dtw-1\charscalex100 (5,886,596)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\t
x7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 36,606,580\tab \up0 \expndtw-1\charscalex100 42,599,591\ta
b \up0 \expndtw-1\charscalex100 55,582,766\tab \up0 \expndtw-1\charscalex100 55,
863,821\tab \up0 \expndtw-1\charscalex100 69,663,886\par\pard\li900\sb6\sl-161\s
lmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 879,152\tab \up0 \expndtw-1\charscalex100 217,520\
tab \up0 \expndtw-1\charscalex100 386,066\tab \up0 \expndtw-1\charscalex100 541,
041\tab \up0 \expndtw-1\charscalex100 891,579\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,745,807\tab \up0 \expndtw-1\c
harscalex100 6,300,622\tab \up0 \expndtw-1\charscalex100 8,696,140\tab \up0 \exp
ndtw-1\charscalex100 6,636,645\tab \up0 \expndtw-1\charscalex100 4,607,205\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other account
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 33,131,773\tab
\up0 \expndtw-1\charscalex100 35,087,477\tab \up0 \expndtw-1\charscalex100 43,8
07,061\tab \up0 \expndtw-1\charscalex100 46,694,675\tab \up0 \expndtw-1\charscal
ex100 61,993,604\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\t
x10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Oth
er/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 849,848\tab \up0 \expndtw-1\charscalex100 993,972\tab \up0 \expndtw-1\chars
calex100 2,693,499\tab \up0 \expndtw-1\charscalex100 1,991,460\tab \up0 \expndtw
-1\charscalex100 2,171,498\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833
\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 40,890,572\tab \up0 \expndtw-1\charscalex100 51,799,098
\tab \up0 \expndtw-1\charscalex100 60,999,587\tab \up0 \expndtw-1\charscalex100
58,841,536\tab \up0 \expndtw-1\charscalex100 73,190,758\par\pard\li900\sb6\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,001,895\tab \up0 \exp
ndtw-1\charscalex100 1,507,632\tab \up0 \expndtw-1\charscalex100 2,851,783\tab \
up0 \expndtw-1\charscalex100 3,272,624\tab \up0 \expndtw-1\charscalex100 4,822,7
51\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9078\tx10158\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with oth
er banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 807,555
\tab \up0 \expndtw-1\charscalex100 59,093\tab \up0 \expndtw-1\charscalex100 235,
121\tab \up0 \expndtw-1\charscalex100 360,306\tab \up0 \expndtw-1\charscalex100
10,930,425\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\tx10218
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending t
o financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 1,766,398\tab \up0 \expndtw-1\charscalex100 556,455\tab \up0 \expndtw-1
\charscalex100 2,804,596\tab \up0 \expndtw-1\charscalex100 40,000\tab \up0 \expn
dtw-1\charscalex100 622,683\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx78
93\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 7,277,875\tab \up0 \expndtw-1\charscalex100 9,454,149\tab \up0 \expndtw-1\cha
rscalex100 13,580,973\tab \up0 \expndtw-1\charscalex100 12,859,540\tab \up0 \exp
ndtw-1\charscalex100 15,588,703\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\
tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56

\f57\fs12 26,046,768\tab \up0 \expndtw-1\charscalex100 35,164,850\tab \up0 \expn

dtw-1\charscalex100 34,054,696\tab \up0 \expndtw-1\charscalex100 35,520,314\tab
\up0 \expndtw-1\charscalex100 35,245,477\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 1,069,872\tab \up0 \expndtw-1\charscalex
100 7,354,408\tab \up0 \expndtw-1\charscalex100 7,355,353\tab \up0 \expndtw-1\ch
arscalex100 9,617,879\tab \up0 \expndtw-1\charscalex100 12,138,602\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 903,615\tab \up0 \expn
dtw-1\charscalex100 2,924,654\tab \up0 \expndtw-1\charscalex100 4,138,250\tab \u
p0 \expndtw-1\charscalex100 5,310,930\tab \up0 \expndtw-1\charscalex100 5,858,80
3\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of pro
vision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
5,143,153\tab \up0 \expndtw-1\charscalex100 32,240,196\tab \up0 \expndtw-1\chars
calex100 29,916,446\tab \up0 \expndtw-1\charscalex100 30,209,384\tab \up0 \expnd
tw-1\charscalex100 29,386,674\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx
7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1,094,748\tab \up0 \expndtw-1\charscalex100 2,909,213\tab \up0 \expndtw-1
\charscalex100 4,027,676\tab \up0 \expndtw-1\charscalex100 4,541,778\tab \up0 \e
xpndtw-1\charscalex100 4,366,514\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 1,798,948\tab \up0 \expndtw-1\charscalex100 5,072,360\tab \up0
\expndtw-1\charscalex100 7,582,992\tab \up0 \expndtw-1\charscalex100 7,557,904\t
ab \up0 \expndtw-1\charscalex100 7,473,008\par\pard\li900\sb14\sl-184\slmult0\fi
44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss a
ccount\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interes
t earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,917,3
44\tab \up0 \expndtw-1\charscalex100 4,861,400\tab \up0 \expndtw-1\charscalex100
5,120,943\tab \up0 \expndtw-1\charscalex100 5,158,566\tab \up0 \expndtw-1\chars
calex100 4,711,888\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.M
arkup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 2,285,381\tab \up0 \expndtw-1\charscalex100 4,448,440\tab \up0 \expndt
w-1\charscalex100 5,569,707\tab \up0 \expndtw-1\charscalex100 5,169,142\tab \up0
\expndtw-1\charscalex100 5,196,408\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
918\tx7998\tx9030\tx10170\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 631,963\tab \up0 \expndtw-1\charscalex100 412,960\t
ab \up0 \expndtw-1\charscalex100 (448,764)\tab \up0 \expndtw-1\charscalex100 (10
,576)\tab \up0 \expndtw-1\charscalex100 484,520\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6918\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 212,976\tab \up0 \expndtw-1\charscalex100
2,223,938\tab \up0 \expndtw-1\charscalex100 1,971,290\tab \up0 \expndtw-1\charsc
alex100 1,307,259\tab \up0 \expndtw-1\charscalex100 284,941\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6918\tx7844\tx8924\tx10004\tx11238 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provi
sions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 418,987\ta
b \up0 \expndtw-1\charscalex100 (1,810,978)\tab \up0 \expndtw-1\charscalex100 (2
,420,054)\tab \up0 \expndtw-1\charscalex100 (1,317,835)\tab \up0 \expndtw-1\char
scalex100 769,461\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.No
n-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 821,479\tab \up0 \expndtw-1\charscalex100 615,591\tab \up0 \expndtw-1

\charscalex100 1,111,457\tab \up0 \expndtw-1\charscalex100 971,501\tab \up0 \exp

ndtw-1\charscalex100 955,050\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 1,174,904\tab \up0 \expndtw-1\charscalex100 1,787,364\ta
b \up0 \expndtw-1\charscalex100 3,058,379\tab \up0 \expndtw-1\charscalex100 3,01
6,905\tab \up0 \expndtw-1\charscalex100 3,257,947\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 1,153,736\tab \up0 \expndtw-1\charscalex10
0 1,759,032\tab \up0 \expndtw-1\charscalex100 2,796,425\tab \up0 \expndtw-1\char
scalex100 2,989,039\tab \up0 \expndtw-1\charscalex100 2,805,265\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx7844\tx8924\tx10004\tx11084 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 65,562\tab \up0 \expnd
tw-1\charscalex100 (1,849,199)\tab \up0 \expndtw-1\charscalex100 (5,864,077)\tab
\up0 \expndtw-1\charscalex100 (3,487,184)\tab \up0 \expndtw-1\charscalex100 (3,
146,226)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7950\tx8924\tx10004\t
x11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(lo
ss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 197,693\tab \up0 \expndtw-1\charscalex100 (972,969)\tab \up0 \expndtw-1\chars
calex100 (4,318,749)\tab \up0 \expndtw-1\charscalex100 (2,727,345)\tab \up0 \exp
ndtw-1\charscalex100 (2,524,305)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li90
0\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 310,698\tab \up0 \expndtw-1
\charscalex100 401,489\tab \up0 \expndtw-1\charscalex100 950,862\tab \up0 \expnd
tw-1\charscalex100 950,862\tab \up0 \expndtw-1\charscalex100 1,950,862\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.26%\tab \up0 \expndtw-1\chars
calex100 0.00%\tab \up0 \expndtw-1\charscalex100 1.05%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charsca
lex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charsca
lex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7844\tx8973\tx10110\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,200,499\tab \up0 \ex
pndtw-1\charscalex100 (3,436,371)\tab \up0 \expndtw-1\charscalex100 9,162,534\ta
b \up0 \expndtw-1\charscalex100 (199,789)\tab \up0 \expndtw-1\charscalex100 11,0
29,923\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11
073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments an
d contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
0,375,250\tab \up0 \expndtw-1\charscalex100 14,966,219\tab \up0 \expndtw-1\chars
calex100 18,276,636\tab \up0 \expndtw-1\charscalex100 21,047,073\tab \up0 \expnd
tw-1\charscalex100 39,795,348\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitabil
ity ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8118\tx9135\tx10215\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread rat
io (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21.66
%\tab \up0 \expndtw-1\charscalex100 8.49%\tab \up0 \expndtw-1\charscalex100 -8.7
6%\tab \up0 \expndtw-1\charscalex100 -0.21%\tab \up0 \expndtw-1\charscalex100 10
.28%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx10215\tx112
95 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/inte
rest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 1.55%\tab \up0 \expndtw-1\charscalex100 0.80%\tab \up0 \expndtw-1\charsc

alex100 -0.74%\tab \up0 \expndtw-1\charscalex100 -0.02%\tab \up0 \expndtw-1\char

scalex100 -0.66%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8160\tx9240\t
x10320\tx11400 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Ret
urn on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0.06\tab \up0 \expndtw-1\charscalex100 -0.30\tab \up0 \expndtw-1\cha
rscalex100 -0.99\tab \up0 \expndtw-1\charscalex100 -1.41\tab \up0 \expndtw-1\cha
rscalex100 -0.27\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8055\tx9135\t
x10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ret
urn on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0.48%\tab \up0 \expndtw-1\charscalex100 -1.88%\tab \up0 \expndtw-1\c
harscalex100 -7.08%\tab \up0 \expndtw-1\charscalex100 -4.64%\tab \up0 \expndtw-1
\charscalex100 -3.45%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9
198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 2.01%\tab \up0 \expndtw-1\charscalex100
1.19%\tab \up0 \expndtw-1\charscalex100 1.82%\tab \up0 \expndtw-1\charscalex100
1.65%\tab \up0 \expndtw-1\charscalex100 1.30%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7038\tx8055\tx9135\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to total ass
ets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.02%\
tab \up0 \expndtw-1\charscalex100 -3.50%\tab \up0 \expndtw-1\charscalex100 -3.97
%\tab \up0 \expndtw-1\charscalex100 -2.24%\tab \up0 \expndtw-1\charscalex100 1.0
5%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9063\tx10143\tx11223
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest e
xpense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 78.34%\tab \up0 \expndtw-1\charscalex100 91.51%\tab \
up0 \expndtw-1\charscalex100 108.76%\tab \up0 \expndtw-1\charscalex100 100.21%\t
ab \up0 \expndtw-1\charscalex100 110.28%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx7083\tx8160\tx9240\tx10320\tx11400 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17.60\tab \up0 \expndt
w-1\charscalex100 -0.95\tab \up0 \expndtw-1\charscalex100 -0.48\tab \up0 \expndt
w-1\charscalex100 -0.86\tab \up0 \expndtw-1\charscalex100 -0.89\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to tot
al income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 31.42%\tab \up0 \expndtw-1\charscalex100 32.63%\tab \up0 \expndtw-1\charsca
lex100 49.07%\tab \up0 \expndtw-1\charscalex100 49.21%\tab \up0 \expndtw-1\chars
calex100 57.49%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Adm
in. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.40\tab \up0 \expndtw-1\charscalex1
00 2.86\tab \up0 \expndtw-1\charscalex100 2.52\tab \up0 \expndtw-1\charscalex100
3.08\tab \up0 \expndtw-1\charscalex100 2.94\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7143\tx8160\tx9240\tx10320\tx11400 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.64\tab \up0 \expndtw-1\charscalex100 -2.4
2\tab \up0 \expndtw-1\charscalex100 -4.54\tab \up0 \expndtw-1\charscalex100 -2.8
7\tab \up0 \expndtw-1\charscalex100 -1.29\par\pard\li900\sb14\sl-184\slmult0\fi4
4 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios
\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivale
nt to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 9.32%\tab \up0 \expndtw-1\charscalex100 3.02%\tab \up0 \expndtw-1\c
harscalex100 5.06%\tab \up0 \expndtw-1\charscalex100 6.17%\tab \up0 \expndtw-1\c
harscalex100 21.52%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 17.80%\tab \up0 \expndtw-1\charscalex100 18.25%\tab \up0 \expn
dtw-1\charscalex100 22.26%\tab \up0 \expndtw-1\charscalex100 21.85%\tab \up0 \ex

pndtw-1\charscalex100 21.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 61.49%\tab \up0 \expndtw-1\charscalex
100 62.24%\tab \up0 \expndtw-1\charscalex100 49.04%\tab \up0 \expndtw-1\charscal
ex100 51.34%\tab \up0 \expndtw-1\charscalex100 40.15%\par\pard\li900\sb39\sl-155
\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 81.03%\tab \up0 \expndtw-1\char
scalex100 67.74%\tab \up0 \expndtw-1\charscalex100 71.82%\tab \up0 \expndtw-1\ch
arscalex100 79.36%\tab \up0 \expndtw-1\charscalex100 84.70%\par\pard\li900\sb6\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89.52%\tab \up0 \
expndtw-1\charscalex100 82.24%\tab \up0 \expndtw-1\charscalex100 91.12%\tab \up0
\expndtw-1\charscalex100 94.94%\tab \up0 \expndtw-1\charscalex100 95.18%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9138\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits
(C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78.62%\
tab \up0 \expndtw-1\charscalex100 100.22%\tab \up0 \expndtw-1\charscalex100 77.7
4%\tab \up0 \expndtw-1\charscalex100 76.07%\tab \up0 \expndtw-1\charscalex100 56
.85%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances
to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 74.68%\tab \up0 \expndtw-1\charscalex100 84.96%\tab \up0 \expn
dtw-1\charscalex100 64.86%\tab \up0 \expndtw-1\charscalex100 66.60%\tab \up0 \ex
pndtw-1\charscalex100 52.92%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\par
d\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross
advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 4.11%\tab \up0 \expndtw-1\charscalex100 20.91%\tab \up0 \expndtw-1\charscalex1
00 21.60%\tab \up0 \expndtw-1\charscalex100 27.08%\tab \up0 \expndtw-1\charscale
x100 34.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisio
ns against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\ta
b \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 12.15%\tab \up0 \expndtw-1\charscalex100 14.95%\tab \up0 \expn
dtw-1\charscalex100 16.62%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx798
3\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 32.91%\tab \up0 \expndtw-1\charscalex100 230.45%\tab \
up0 \expndtw-1\charscalex100 168.58%\tab \up0 \expndtw-1\charscalex100 495.69%\t
ab \up0 \expndtw-1\charscalex100 128.95%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23.57%\tab \up0 \expndtw-1\charsc
alex100 76.04%\tab \up0 \expndtw-1\charscalex100 47.64%\tab \up0 \expndtw-1\char
scalex100 24.61%\tab \up0 \expndtw-1\charscalex100 4.86%\par\pard\li900\sb19\sl161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 84.46%\tab \up0 \expn
dtw-1\charscalex100 39.77%\tab \up0 \expndtw-1\charscalex100 56.26%\tab \up0 \ex
pndtw-1\charscalex100 55.22%\tab \up0 \expndtw-1\charscalex100 48.27%\par\pard\l
i900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7
038\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 7.95%\tab \up0 \expndtw-1\charscalex100 6.16%\tab \up0 \expn
dtw-1\charscalex100 7.15%\tab \up0 \expndtw-1\charscalex100 3.30%\tab \up0 \expn

dtw-1\charscalex100 12.86%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx822
3\tx9303\tx10323\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.19\tab \up0 \expndtw-1\chars
calex100 4.69\tab \up0 \expndtw-1\charscalex100 4.19\tab \up0 \expndtw-1\charsca
lex100 10.85\tab \up0 \expndtw-1\charscalex100 4.23\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7083\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.46\tab \up0 \expndtw-1\charsc
alex100 7.95\tab \up0 \expndtw-1\charscalex100 4.59\tab \up0 \expndtw-1\charscal
ex100 2.04\tab \up0 \expndtw-1\charscalex100 4.83\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.19\tab \up0 \expnd
tw-1\charscalex100 10.99\tab \up0 \expndtw-1\charscalex100 10.04\tab \up0 \expnd
tw-1\charscalex100 24.07\tab \up0 \expndtw-1\charscalex100 6.59\par\pard\ql \li9
44\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9240
\tx10383\tx11400 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash generated from opration activities to profit after tax (E4/D10) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.07\tab \up0 \expnd
tw-1\charscalex100 3.53\tab \up0 \expndtw-1\charscalex100 -2.12\tab \up0 \expndt
w-1\charscalex100 0.07\tab \up0 \expndtw-1\charscalex100 -4.37\par\pard\ql \li60
89\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089
\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 48
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g57}{\bkmkend Pg57}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 MCB BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90
\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f
55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscal
ex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex
100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx1
1073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 45,41
4,156\tab \up0 \expndtw-1\charscalex100 52,244,865\tab \up0 \expndtw-1\charscale
x100 63,120,371\tab \up0 \expndtw-1\charscalex100 71,225,105\tab \up0 \expndtw-1
\charscalex100 81,034,402\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 6,282,768\tab \up0 \expndtw-1\charscalex100 6,282,768\tab \up0 \expndtw-1\cha
rscalex100 6,911,045\tab \up0 \expndtw-1\charscalex100 7,602,150\tab \up0 \expnd
tw-1\charscalex100 8,362,365\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7
833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
34,000,638\tab \up0 \expndtw-1\charscalex100 36,768,765\tab \up0 \expndtw-1\cha
rscalex100 38,387,656\tab \up0 \expndtw-1\charscalex100 40,164,526\tab \up0 \exp
ndtw-1\charscalex100 42,412,588\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 5,130,750\tab \up0 \expndtw-1\charscalex100 9,193,332\tab \up0
\expndtw-1\charscalex100 17,821,670\tab \up0 \expndtw-1\charscalex100 23,458,42
9\tab \up0 \expndtw-1\charscalex100 30,259,449\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 9,705,519\tab \up0 \expndtw-1\charscalex100 6,191,189\tab \up0
\expndtw-1\charscalex100 9,192,909\tab \up0 \expndtw-1\charscalex100 10,774,022\
tab \up0 \expndtw-1\charscalex100 10,619,903\par\pard\li900\sb39\sl-155\slmult0\
fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 355,365,842\tab \up0 \expndtw-1\charscalex100
385,179,850\tab \up0 \expndtw-1\charscalex100 439,428,598\tab \up0 \expndtw-1\c
harscalex100 488,482,736\tab \up0 \expndtw-1\charscalex100 564,670,502\par\pard\
li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8973\tx9993\tx11133 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,479,058\tab \up0 \expndtw-1\ch
arscalex100 10,551,468\tab \up0 \expndtw-1\charscalex100 8,201,090\tab \up0 \exp
ndtw-1\charscalex100 10,265,537\tab \up0 \expndtw-1\charscalex100 9,466,818\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial
institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39
,406,831\tab \up0 \expndtw-1\charscalex100 22,663,840\tab \up0 \expndtw-1\charsc
alex100 44,662,088\tab \up0 \expndtw-1\charscalex100 25,684,593\tab \up0 \expndt
w-1\charscalex100 39,100,627\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7
758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 292,098,066\tab \up0 \expndtw-1\charscalex100 330,181,624\ta
b \up0 \expndtw-1\charscalex100 367,581,075\tab \up0 \expndtw-1\charscalex100 43
1,295,499\tab \up0 \expndtw-1\charscalex100 491,146,798\par\pard\li900\sb19\sl-1

61\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex1

00 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 13,381,887\tab \up0 \expndtw-1\charsc
alex100 21,782,918\tab \up0 \expndtw-1\charscalex100 18,984,345\tab \up0 \expndt
w-1\charscalex100 21,237,107\tab \up0 \expndtw-1\charscalex100 24,956,259\par\pa
rd\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8
to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 410,485,
517\tab \up0 \expndtw-1\charscalex100 443,615,904\tab \up0 \expndtw-1\charscalex
100 511,741,878\tab \up0 \expndtw-1\charscalex100 570,481,863\tab \up0 \expndtw1\charscalex100 656,324,807\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx783
3\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 39,683,883\tab \up0 \expndtw-1\charscalex100 39,631,
172\tab \up0 \expndtw-1\charscalex100 38,774,871\tab \up0 \expndtw-1\charscalex1
00 45,407,264\tab \up0 \expndtw-1\charscalex100 53,122,620\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,807,519\tab \up0 \expndtw-1\c
harscalex100 4,043,100\tab \up0 \expndtw-1\charscalex100 6,077,354\tab \up0 \exp
ndtw-1\charscalex100 1,551,518\tab \up0 \expndtw-1\charscalex100 2,357,418\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial inst
itutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,051,3
72\tab \up0 \expndtw-1\charscalex100 4,100,079\tab \up0 \expndtw-1\charscalex100
3,000,000\tab \up0 \expndtw-1\charscalex100 4,401,781\tab \up0 \expndtw-1\chars
calex100 955,087\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7833\tx8838\t
x9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Inve
stments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 113,089,
261\tab \up0 \expndtw-1\charscalex100 96,631,874\tab \up0 \expndtw-1\charscalex1
00 169,484,647\tab \up0 \expndtw-1\charscalex100 215,747,844\tab \up0 \expndtw-1
\charscalex100 319,005,983\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx775
8\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 229,732,772\tab \up0 \expndtw-1\charscalex100 272,847,325\tab \up0 \expndtw
-1\charscalex100 269,721,034\tab \up0 \expndtw-1\charscalex100 274,157,806\tab \
up0 \expndtw-1\charscalex100 248,128,180\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6753\tx8057\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 10,725,308\tab \up0 \expndtw-1\charscalex
100 56,462\tab \up0 \expndtw-1\charscalex100 23,238,723\tab \up0 \expndtw-1\char
scalex100 24,543,807\tab \up0 \expndtw-1\charscalex100 26,664,873\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,772,174\tab \up0 \exp
ndtw-1\charscalex100 10,711,855\tab \up0 \expndtw-1\charscalex100 16,472,769\tab
\up0 \expndtw-1\charscalex100 19,592,335\tab \up0 \expndtw-1\charscalex100 22,3
33,442\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6677\tx7757\tx8837\tx9917\tx10
997 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net o
f provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 218,960,598\tab \up0 \expndtw-1\charscalex100 262,135,470\tab \up0 \expndtw1\charscalex100 253,248,265\tab \up0 \expndtw-1\charscalex100 254,565,471\tab \u
p0 \expndtw-1\charscalex100 225,794,738\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 16,024,123\tab \up0 \expndtw-1\charscalex100 17,263,733\tab \up0
\expndtw-1\charscalex100 18,099,010\tab \up0 \expndtw-1\charscalex100 21,061,78
7\tab \up0 \expndtw-1\charscalex100 22,418,450\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100

\ul0\nosupersub\cf56\f57\fs12 17,868,761\tab \up0 \expndtw-1\charscalex100 19,81

0,476\tab \up0 \expndtw-1\charscalex100 23,057,731\tab \up0 \expndtw-1\charscale
x100 27,746,198\tab \up0 \expndtw-1\charscalex100 32,670,511\par\pard\li900\sb14
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\t
x8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 31,786,595\tab \up0 \expndtw-1\charscalex100 40,043,824\tab \up0 \expn
dtw-1\charscalex100 51,621,911\tab \up0 \expndtw-1\charscalex100 54,829,365\tab
\up0 \expndtw-1\charscalex100 68,215,902\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 7,865,533\tab \up0 \expndtw-1\charscalex100 11,56
0,740\tab \up0 \expndtw-1\charscalex100 15,835,581\tab \up0 \expndtw-1\charscale
x100 18,027,372\tab \up0 \expndtw-1\charscalex100 23,632,615\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,921,062\tab \up0 \expndt
w-1\charscalex100 28,483,084\tab \up0 \expndtw-1\charscalex100 44,299,590\tab \u
p0 \expndtw-1\charscalex100 36,801,993\tab \up0 \expndtw-1\charscalex100 44,583,
287\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx1113
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and w
rite-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,065,
051\tab \up0 \expndtw-1\charscalex100 4,019,121\tab \up0 \expndtw-1\charscalex10
0 7,322,321\tab \up0 \expndtw-1\charscalex100 3,597,117\tab \up0 \expndtw-1\char
scalex100 3,653,614\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx891
3\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.N
et markup/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 20,856,011\tab \up0 \expndtw-1\charscalex100 24,463
,963\tab \up0 \expndtw-1\charscalex100 36,977,269\tab \up0 \expndtw-1\charscalex
100 33,204,876\tab \up0 \expndtw-1\charscalex100 40,929,673\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,011,291\tab \up0 \expndtw
-1\charscalex100 5,791,440\tab \up0 \expndtw-1\charscalex100 5,754,853\tab \up0
\expndtw-1\charscalex100 6,441,642\tab \up0 \expndtw-1\charscalex100 8,241,260\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,559,2
67\tab \up0 \expndtw-1\charscalex100 8,387,837\tab \up0 \expndtw-1\charscalex100
11,069,912\tab \up0 \expndtw-1\charscalex100 13,406,395\tab \up0 \expndtw-1\cha
rscalex100 17,777,644\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8
913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8
.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 5,022,416\tab \up0 \expndtw-1\charscalex100 7,546,878\tab \up0 \expndtw
-1\charscalex100 10,235,366\tab \up0 \expndtw-1\charscalex100 12,327,496\tab \up
0 \expndtw-1\charscalex100 15,860,242\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 21,308,035\tab \up0 \expndtw-1\charscalex100 21,8
67,566\tab \up0 \expndtw-1\charscalex100 23,349,146\tab \up0 \expndtw-1\charscal
ex100 26,509,636\tab \up0 \expndtw-1\charscalex100 31,321,782\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,265,562\tab \up0 \expn
dtw-1\charscalex100 15,374,600\tab \up0 \expndtw-1\charscalex100 15,665,403\tab
\up0 \expndtw-1\charscalex100 16,874,019\tab \up0 \expndtw-1\charscalex100 19,30
2,483\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\
tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupers

ub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 628,277\tab \up0 \expndtw-1\charscalex100 628,276\tab
\up0 \expndtw-1\charscalex100 691,105\tab \up0 \expndtw-1\charscalex100 760,215\
tab \up0 \expndtw-1\charscalex100 836,237\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7008\tx7953\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 1.25%\tab \up0 \expndtw-1\charscalex100 115.00%\tab \up0 \ex
pndtw-1\charscalex100 1.10%\tab \up0 \expndtw-1\charscalex100 0.01%\tab \up0 \ex
pndtw-1\charscalex100 1.20%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx80
13\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \exp
ndtw-1\charscalex100 0.10%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx789
3\tx8913\tx9993\tx10997 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 61,899,299\tab \up0 \expndtw-1\charscalex100 2,03
1,538\tab \up0 \expndtw-1\charscalex100 78,214,049\tab \up0 \expndtw-1\charscale
x100 58,654,480\tab \up0 \expndtw-1\charscalex100 124,163,869\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6677\tx7757\tx8837\tx9917\tx10997 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 213,317,107\tab \up0 \expn
dtw-1\charscalex100 392,959,678\tab \up0 \expndtw-1\charscalex100 376,583,024\ta
b \up0 \expndtw-1\charscalex100 136,245,597\tab \up0 \expndtw-1\charscalex100 16
5,013,804\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\
li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.26%\tab \up0 \expndtw1\charscalex100 71.13%\tab \up0 \expndtw-1\charscalex100 85.82%\tab \up0 \expndt
w-1\charscalex100 67.12%\tab \up0 \expndtw-1\charscalex100 65.36%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D
2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.83%\tab \
up0 \expndtw-1\charscalex100 6.42%\tab \up0 \expndtw-1\charscalex100 6.99%\tab \
up0 \expndtw-1\charscalex100 6.45%\tab \up0 \expndtw-1\charscalex100 6.79%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D
10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.34\tab \
up0 \expndtw-1\charscalex100 0.29\tab \up0 \expndtw-1\charscalex100 0.25\tab \up
0 \expndtw-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0.24\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.72%\tab \up0
\expndtw-1\charscalex100 3.47%\tab \up0 \expndtw-1\charscalex100 3.06%\tab \up0
\expndtw-1\charscalex100 2.96%\tab \up0 \expndtw-1\charscalex100 2.94%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income
to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1.46%\tab \up0 \expndtw-1\charscalex100 1.31%\tab \up0 \expndtw-1\char
scalex100 1.12%\tab \up0 \expndtw-1\charscalex100 1.13%\tab \up0 \expndtw-1\char
scalex100 1.26%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx
10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net
markup/interest income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.08%\tab \up0 \expndtw-1\charscalex
100 5.51%\tab \up0 \expndtw-1\charscalex100 7.23%\tab \up0 \expndtw-1\charscalex
100 5.82%\tab \up0 \expndtw-1\charscalex100 6.24%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/interest incom
e (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.74%

\tab \up0 \expndtw-1\charscalex100 28.87%\tab \up0 \expndtw-1\charscalex100 30.6

8%\tab \up0 \expndtw-1\charscalex100 32.88%\tab \up0 \expndtw-1\charscalex100 34
.64%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx114
63 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense
to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0.24\tab \up0 \expndtw-1\charscalex100 0.35\tab \up0 \expn
dtw-1\charscalex100 0.44\tab \up0 \expndtw-1\charscalex100 0.47\tab \up0 \expndt
w-1\charscalex100 0.51\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx
9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
9.Non-markup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 14.71%\tab \up0 \expndtw-1\charscale
x100 18.30%\tab \up0 \expndtw-1\charscalex100 19.29%\tab \up0 \expndtw-1\charsca
lex100 21.88%\tab \up0 \expndtw-1\charscalex100 23.25%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest inco
me (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0.84\tab \up0 \expndtw-1\charscalex100 1.30\tab \up0 \expndtw-1\charscalex100
1.78\tab \up0 \expndtw-1\charscalex100 1.91\tab \up0 \expndtw-1\charscalex100 1
.92\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx1140
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per sha
re (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.3
0\tab \up0 \expndtw-1\charscalex100 24.47\tab \up0 \expndtw-1\charscalex100 22.6
7\tab \up0 \expndtw-1\charscalex100 22.20\tab \up0 \expndtw-1\charscalex100 23.0
8\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194
\tx6977\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.60%\tab \up0 \expndtw-1\
charscalex100 9.85%\tab \up0 \expndtw-1\charscalex100 8.76%\tab \up0 \expndtw-1\
charscalex100 8.23%\tab \up0 \expndtw-1\charscalex100 8.45%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27.55%\tab \up0 \expnd
tw-1\charscalex100 21.78%\tab \up0 \expndtw-1\charscalex100 33.12%\tab \up0 \exp
ndtw-1\charscalex100 37.82%\tab \up0 \expndtw-1\charscalex100 48.60%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to t
otal assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 53.34%\tab \up0 \expndtw-1\charscalex100 59.09%\tab \up0 \expndtw-1\charscale
x100 49.49%\tab \up0 \expndtw-1\charscalex100 44.62%\tab \up0 \expndtw-1\charsca
lex100 34.40%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx102
17\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposit
s to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 71.16%\tab \up0 \expndtw-1\charscalex100 74.43%\tab \up0 \expndtw-1\cha
rscalex100 71.83%\tab \up0 \expndtw-1\charscalex100 75.60%\tab \up0 \expndtw-1\c
harscalex100 74.83%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137
\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.T
otal liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 86.57%\tab \up0 \expndtw-1\charscalex100 86.83%\tab \up0
\expndtw-1\charscalex100 85.87%\tab \up0 \expndtw-1\charscalex100 85.63%\tab \up
0 \expndtw-1\charscalex100 86.04%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx697
7\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 78.65%\tab \up0 \expndtw-1\charscalex100 82.64%
\tab \up0 \expndtw-1\charscalex100 73.38%\tab \up0 \expndtw-1\charscalex100 63.5
7%\tab \up0 \expndtw-1\charscalex100 50.52%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 69.30%\tab \up0 \expndt
w-1\charscalex100 77.33%\tab \up0 \expndtw-1\charscalex100 65.43%\tab \up0 \expn

dtw-1\charscalex100 59.99%\tab \up0 \expndtw-1\charscalex100 46.79%\par\pard\li9

00\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\t
x8117\tx9197\tx10277\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 4.67%\tab \up0 \expndtw-1\charscalex100
0.02%\tab \up0 \expndtw-1\charscalex100 8.62%\tab \up0 \expndtw-1\charscalex100
8.95%\tab \up0 \expndtw-1\charscalex100 10.75%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7304\tx8384\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\ta
b \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.11%\tab \up0 \expndtw-1\
charscalex100 7.15%\tab \up0 \expndtw-1\charscalex100 9.00%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23.62%\tab \up0 \expn
dtw-1\charscalex100 0.11%\tab \up0 \expndtw-1\charscalex100 36.82%\tab \up0 \exp
ndtw-1\charscalex100 34.46%\tab \up0 \expndtw-1\charscalex100 32.91%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisio
ns (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 28.45
%\tab \up0 \expndtw-1\charscalex100 37.52%\tab \up0 \expndtw-1\charscalex100 44.
45%\tab \up0 \expndtw-1\charscalex100 18.36%\tab \up0 \expndtw-1\charscalex100 1
6.36%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7817\tx9137\tx10217\tx11
297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision agai
nst NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 100.44%\tab \up0 \expndtw-1\charscalex100 18,971.80%\tab \up0 \expndtw-1
\charscalex100 70.89%\tab \up0 \expndtw-1\charscalex100 79.83%\tab \up0 \expndtw
-1\charscalex100 83.76%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\
li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.06%\tab \up0 \expndtw-1
\charscalex100 11.78%\tab \up0 \expndtw-1\charscalex100 12.33%\tab \up0 \expndtw
-1\charscalex100 12.49%\tab \up0 \expndtw-1\charscalex100 12.35%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to tota
l equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 4.70\tab \up0 \expndtw-1\charscalex100 7.52\tab \up0 \expndtw-1\charscal
ex100 5.97\tab \up0 \expndtw-1\charscalex100 1.91\tab \up0 \expndtw-1\charscalex
100 2.04\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\t
x11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up va
lue per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 72.28\tab \up0 \expndtw-1\charscalex100 83.16\tab \up0 \expndtw-1\charscale
x100 91.33\tab \up0 \expndtw-1\charscalex100 93.69\tab \up0 \expndtw-1\charscale
x100 96.90\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383
\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total dep
osit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 6.43\tab \up0 \expndtw-1\charscalex100 6.32\tab \up0 \expndt
w-1\charscalex100 5.82\tab \up0 \expndtw-1\charscalex100 6.06\tab \up0 \expndtw1\charscalex100 6.06\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl
-161\slmult0\fi0\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities to p
rofit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 4.05\tab \up0 \expndtw-1\charscalex100 0.13\tab \up0 \expndtw-1
\charscalex100 4.99\tab \up0 \expndtw-1\charscalex100 3.48\tab \up0 \expndtw-1\c
harscalex100 6.43\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0
\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\
sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 49

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0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx9993\
tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,
719,910\tab \up0 \expndtw-1\charscalex100 6,341,097\tab \up0 \expndtw-1\charscal
ex100 9,814,412\tab \up0 \expndtw-1\charscalex100 11,746,417\tab \up0 \expndtw-1
\charscalex100 13,964,302\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 3,779,897\tab \up0 \expndtw-1\charscalex100 4,925,961\tab \up0 \expndtw-1\cha
rscalex100 6,650,048\tab \up0 \expndtw-1\charscalex100 6,982,550\tab \up0 \expnd
tw-1\charscalex100 8,029,933\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7
998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
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2 720,785\tab \up0 \expndtw-1\charscalex100 845,022\tab \up0 \expndtw-1\charscal

ex100 1,074,408\tab \up0 \expndtw-1\charscalex100 1,404,326\tab \up0 \expndtw-1\
charscalex100 2,082,635\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\t
x8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1,219,228\tab \up0 \expndtw-1\charscalex100 570,114\tab \up0 \expndtw
-1\charscalex100 2,089,956\tab \up0 \expndtw-1\charscalex100 3,359,541\tab \up0
\expndtw-1\charscalex100 3,851,734\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
30\tx7950\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 (13,254)\tab \up0 \expndtw-1\charscalex100 (366,119)\tab \up0 \expndtw-1\c
harscalex100 396,911\tab \up0 \expndtw-1\charscalex100 679,695\tab \up0 \expndtw
-1\charscalex100 871,434\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\t
x8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 61,471,903\tab \up0 \expndtw-1\charscalex100 79,301,092\tab \up0
\expndtw-1\charscalex100 115,290,455\tab \up0 \expndtw-1\charscalex100 146,383,8
99\tab \up0 \expndtw-1\charscalex100 186,899,986\par\pard\li900\sb6\sl-161\slmul
t0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 1,192,160\tab \up0 \expndtw-1\charscalex100 1,057,017\
tab \up0 \expndtw-1\charscalex100 1,249,210\tab \up0 \expndtw-1\charscalex100 1,
767,370\tab \up0 \expndtw-1\charscalex100 2,282,045\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,415,606\tab \up0 \expnd
tw-1\charscalex100 4,008,496\tab \up0 \expndtw-1\charscalex100 8,593,425\tab \up
0 \expndtw-1\charscalex100 5,829,296\tab \up0 \expndtw-1\charscalex100 9,235,960
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8838\tx9918\tx10998 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other a
ccounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54,582,3
53\tab \up0 \expndtw-1\charscalex100 70,233,875\tab \up0 \expndtw-1\charscalex10
0 100,331,448\tab \up0 \expndtw-1\charscalex100 131,067,996\tab \up0 \expndtw-1\
charscalex100 170,022,486\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 3,281,784\tab \up0 \expndtw-1\charscalex100 4,001,704\tab \up0 \ex
pndtw-1\charscalex100 5,116,372\tab \up0 \expndtw-1\charscalex100 7,719,237\tab
\up0 \expndtw-1\charscalex100 5,359,495\par\pard\li900\sb39\sl-155\slmult0\fi44\
tx6753\tx7833\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 67,178,559\tab \up0 \expndtw-1\charscalex1
00 85,276,070\tab \up0 \expndtw-1\charscalex100 125,501,778\tab \up0 \expndtw-1\
charscalex100 158,810,011\tab \up0 \expndtw-1\charscalex100 201,735,722\par\pard
\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasur
y banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,644,02
8\tab \up0 \expndtw-1\charscalex100 5,763,710\tab \up0 \expndtw-1\charscalex100
8,387,522\tab \up0 \expndtw-1\charscalex100 12,780,951\tab \up0 \expndtw-1\chars
calex100 16,641,195\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 3,729,549\tab \up0 \expndtw-1\charscalex100 1,344,974\tab \up0 \expndt
w-1\charscalex100 5,262,341\tab \up0 \expndtw-1\charscalex100 9,957,757\tab \up0
\expndtw-1\charscalex100 2,354,908\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7833\tx8913\tx9993\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 8,850,000\tab \up0 \expndtw-1\charscalex100 18,
108,000\tab \up0 \expndtw-1\charscalex100 34,486,875\tab \up0 \expndtw-1\charsca
lex100 10,511,855\tab \up0 \expndtw-1\charscalex100 4,065,406\par\pard\li900\sb1

9\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\chars

calex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 10,535,186\tab \up0 \expndtw-1\charscalex10
0 14,526,699\tab \up0 \expndtw-1\charscalex100 24,370,190\tab \up0 \expndtw-1\ch
arscalex100 50,519,386\tab \up0 \expndtw-1\charscalex100 99,949,542\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35,249,612\tab \up0 \expndtw-1\cha
rscalex100 40,626,920\tab \up0 \expndtw-1\charscalex100 44,238,200\tab \up0 \exp
ndtw-1\charscalex100 57,846,309\tab \up0 \expndtw-1\charscalex100 64,276,720\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing
/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 553,
339\tab \up0 \expndtw-1\charscalex100 3,649,163\tab \up0 \expndtw-1\charscalex10
0 3,649,163\tab \up0 \expndtw-1\charscalex100 4,318,323\tab \up0 \expndtw-1\char
scalex100 4,647,792\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.
Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 673,273\tab \up0 \expndtw-1\charscalex100 1,098,189\tab \up0 \expndtw
-1\charscalex100 2,528,544\tab \up0 \expndtw-1\charscalex100 3,851,146\tab \up0
\expndtw-1\charscalex100 5,321,135\par\pard\li900\sb19\sl-161\slmult0\fi194\tx67
53\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 34,576,339\tab \up0 \expndtw-1\charscalex100 39,
528,731\tab \up0 \expndtw-1\charscalex100 41,709,656\tab \up0 \expndtw-1\charsca
lex100 53,995,163\tab \up0 \expndtw-1\charscalex100 58,955,585\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 1,032,963\tab \up0 \expndtw-1\charscalex
100 1,880,515\tab \up0 \expndtw-1\charscalex100 2,437,228\tab \up0 \expndtw-1\ch
arscalex100 3,095,897\tab \up0 \expndtw-1\charscalex100 4,021,420\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,810,494\tab \up0 \expndtw-1\c
harscalex100 4,123,441\tab \up0 \expndtw-1\charscalex100 8,847,966\tab \up0 \exp
ndtw-1\charscalex100 17,949,002\tab \up0 \expndtw-1\charscalex100 15,747,666\par
\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194
\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 4,573,752\tab \up0 \expndtw-1\charscalex100 6,803,213\
tab \up0 \expndtw-1\charscalex100 10,105,518\tab \up0 \expndtw-1\charscalex100 1
2,284,569\tab \up0 \expndtw-1\charscalex100 18,006,812\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,451,968\tab \up0 \expndtw-1\char
scalex100 3,088,334\tab \up0 \expndtw-1\charscalex100 4,969,843\tab \up0 \expndt
w-1\charscalex100 6,606,370\tab \up0 \expndtw-1\charscalex100 8,665,317\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,121,784\tab \
up0 \expndtw-1\charscalex100 3,714,879\tab \up0 \expndtw-1\charscalex100 5,135,6
75\tab \up0 \expndtw-1\charscalex100 5,678,199\tab \up0 \expndtw-1\charscalex100
9,341,495\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provision
s and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
435,896\tab \up0 \expndtw-1\charscalex100 717,320\tab \up0 \expndtw-1\charscale
x100 1,532,051\tab \up0 \expndtw-1\charscalex100 1,496,019\tab \up0 \expndtw-1\c
harscalex100 1,673,533\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx
8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14

5.Net markup/interest income after provisions\tab \up0 \expndtw-1\charscalex1

00 \ul0\nosupersub\cf56\f57\fs12 1,685,888\tab \up0 \expndtw-1\charscalex100 2,9
97,559\tab \up0 \expndtw-1\charscalex100 3,603,624\tab \up0 \expndtw-1\charscale
x100 4,182,180\tab \up0 \expndtw-1\charscalex100 7,667,962\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,347,893\tab \up0 \expndtw1\charscalex100 707,908\tab \up0 \expndtw-1\charscalex100 1,707,492\tab \up0 \ex
pndtw-1\charscalex100 2,687,274\tab \up0 \expndtw-1\charscalex100 2,263,349\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest ex
penses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,764,593
\tab \up0 \expndtw-1\charscalex100 2,713,156\tab \up0 \expndtw-1\charscalex100 3
,626,697\tab \up0 \expndtw-1\charscalex100 4,723,597\tab \up0 \expndtw-1\charsca
lex100 6,331,458\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\t
x10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Adm
inistrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 1,755,761\tab \up0 \expndtw-1\charscalex100 2,626,606\tab \up0 \expndtw-1\c
harscalex100 3,681,088\tab \up0 \expndtw-1\charscalex100 4,637,393\tab \up0 \exp
ndtw-1\charscalex100 6,164,075\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 1,269,188\tab \up0 \expndtw-1\charscalex100 992,311\tab
\up0 \expndtw-1\charscalex100 2,527,405\tab \up0 \expndtw-1\charscalex100 2,443
,282\tab \up0 \expndtw-1\charscalex100 4,121,435\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 963,501\tab \up0 \expndtw-1\charscale
x100 621,187\tab \up0 \expndtw-1\charscalex100 1,676,242\tab \up0 \expndtw-1\cha
rscalex100 1,899,782\tab \up0 \expndtw-1\charscalex100 3,046,057\par\pard\li900\
sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No
. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 377,990\tab \up0 \expndtw-1\charscalex100 492,596\tab \up0 \expndtw-1\chars
calex100 665,005\tab \up0 \expndtw-1\charscalex100 698,255\tab \up0 \expndtw-1\c
harscalex100 802,993\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx91
68\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.35%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx113
28 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/
bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.2
0%\tab \up0 \expndtw-1\charscalex100 9.00%\tab \up0 \expndtw-1\charscalex100 0.0
5%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.1
3%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated fro
m operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 7,465,000\tab \up0 \expndtw-1\charscalex100 3,320,190\tab \up0 \expndtw-1
\charscalex100 14,017,274\tab \up0 \expndtw-1\charscalex100 35,528,395\tab \up0
\expndtw-1\charscalex100 47,304,566\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
753\tx7833\tx8913\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 56,113,028\tab \up0 \expndtw-1\charscalex100 56,411,
095\tab \up0 \expndtw-1\charscalex100 73,034,851\tab \up0 \expndtw-1\charscalex1
00 108,236,057\tab \up0 \expndtw-1\charscalex100 114,137,104\par\pard\li900\sb14
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi19
4\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe

rsub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 46.39%\tab \up0 \expndtw-1\charscalex100 54.60%\tab \u
p0 \expndtw-1\charscalex100 50.82%\tab \up0 \expndtw-1\charscalex100 46.22%\tab
\up0 \expndtw-1\charscalex100 51.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 3.16%\tab \up0 \expndtw-1\charscalex100
4.36%\tab \up0 \expndtw-1\charscalex100 4.09%\tab \up0 \expndtw-1\charscalex100
3.58%\tab \up0 \expndtw-1\charscalex100 4.63%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.17\tab \up0 \expndtw-1\charscalex100
0.10\tab \up0 \expndtw-1\charscalex100 0.17\tab \up0 \expndtw-1\charscalex100 0.
16\tab \up0 \expndtw-1\charscalex100 0.22\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1.43%\tab \up0 \expndtw-1\charscalex100 0.7
3%\tab \up0 \expndtw-1\charscalex100 1.34%\tab \up0 \expndtw-1\charscalex100 1.2
0%\tab \up0 \expndtw-1\charscalex100 1.51%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.01%\tab \up0 \exp
ndtw-1\charscalex100 0.83%\tab \up0 \expndtw-1\charscalex100 1.36%\tab \up0 \exp
ndtw-1\charscalex100 1.69%\tab \up0 \expndtw-1\charscalex100 1.12%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(afte
r prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 2.51%\tab \up0 \expndtw-1\charscalex100 3.52%\tab \up0 \expndtw-1
\charscalex100 2.87%\tab \up0 \expndtw-1\charscalex100 2.63%\tab \up0 \expndtw-1
\charscalex100 3.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7
.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 53.61%\tab \up0 \expndtw-1\charscal
ex100 45.40%\tab \up0 \expndtw-1\charscalex100 49.18%\tab \up0 \expndtw-1\charsc
alex100 53.78%\tab \up0 \expndtw-1\charscalex100 48.12%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.38\ta
b \up0 \expndtw-1\charscalex100 2.65\tab \up0 \expndtw-1\charscalex100 1.46\tab
\up0 \expndtw-1\charscalex100 1.90\tab \up0 \expndtw-1\charscalex100 1.50\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expe
nse to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 29.80%\tab \up0 \expndtw-1\charscalex100 36.12%\tab \up0 \expndtw
-1\charscalex100 30.70%\tab \up0 \expndtw-1\charscalex100 31.55%\tab \up0 \expnd
tw-1\charscalex100 31.24%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 10.Admin. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.30\tab \up0 \expndtw-1\c
harscalex100 3.71\tab \up0 \expndtw-1\charscalex100 2.16\tab \up0 \expndtw-1\cha
rscalex100 1.73\tab \up0 \expndtw-1\charscalex100 2.72\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.55\tab \up0 \expndtw-1\charscal
ex100 1.26\tab \up0 \expndtw-1\charscalex100 2.52\tab \up0 \expndtw-1\charscalex
100 2.72\tab \up0 \expndtw-1\charscalex100 3.79\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity
ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8118\tx9138\tx10218\tx11
358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash eq
uivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe

rsub\cf56\f57\fs12 13.95%\tab \up0 \expndtw-1\charscalex100 8.34%\tab \up0 \expn

dtw-1\charscalex100 10.88%\tab \up0 \expndtw-1\charscalex100 14.32%\tab \up0 \ex
pndtw-1\charscalex100 9.42%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 15.68%\tab \up0 \expndtw-1\charscalex100 17.03%\tab \u
p0 \expndtw-1\charscalex100 19.42%\tab \up0 \expndtw-1\charscalex100 31.81%\tab
\up0 \expndtw-1\charscalex100 49.54%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 51.47%\tab \up0 \expndtw-1\ch
arscalex100 46.35%\tab \up0 \expndtw-1\charscalex100 33.23%\tab \up0 \expndtw-1\
charscalex100 34.00%\tab \up0 \expndtw-1\charscalex100 29.22%\par\pard\li900\sb3
9\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 81.25%\tab \up0 \expndt
w-1\charscalex100 82.36%\tab \up0 \expndtw-1\charscalex100 79.94%\tab \up0 \expn
dtw-1\charscalex100 82.53%\tab \up0 \expndtw-1\charscalex100 84.28%\par\pard\li9
00\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets
(B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91.51%\ta
b \up0 \expndtw-1\charscalex100 92.99%\tab \up0 \expndtw-1\charscalex100 91.86%\
tab \up0 \expndtw-1\charscalex100 92.18%\tab \up0 \expndtw-1\charscalex100 92.65
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to
deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
64.58%\tab \up0 \expndtw-1\charscalex100 57.85%\tab \up0 \expndtw-1\charscalex1
00 44.09%\tab \up0 \expndtw-1\charscalex100 44.13%\tab \up0 \expndtw-1\charscale
x100 37.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross ad
vances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 61.84%\tab \up0 \expndtw-1\charscalex100 54.72%\tab \up
0 \expndtw-1\charscalex100 40.61%\tab \up0 \expndtw-1\charscalex100 42.26%\tab \
up0 \expndtw-1\charscalex100 35.86%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\
par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan t
o gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 1.57%\tab \up0 \expndtw-1\charscalex100 8.98%\tab \up0 \expndtw-1\chars
calex100 8.25%\tab \up0 \expndtw-1\charscalex100 7.47%\tab \up0 \expndtw-1\chars
calex100 7.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9198\tx1
0278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provi
sions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 \tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 5.72%\tab \up0 \expndtw-1\charscalex100 6.66%\tab \up0 \exp
ndtw-1\charscalex100 8.28%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 9.67%\tab \up0 \expndtw-1\charscalex100 57.55%\tab \up
0 \expndtw-1\charscalex100 37.18%\tab \up0 \expndtw-1\charscalex100 36.76%\tab \
up0 \expndtw-1\charscalex100 33.28%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 64.74%\tab \up0 \expndtw-1\charscalex1
00 65.32%\tab \up0 \expndtw-1\charscalex100 60.59%\tab \up0 \expndtw-1\charscale
x100 38.85%\tab \up0 \expndtw-1\charscalex100 31.45%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6903\tx8058\tx9138\tx10218\tx11223 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 121.67%\tab \up0 \expndtw
-1\charscalex100 30.09%\tab \up0 \expndtw-1\charscalex100 69.29%\tab \up0 \expnd

tw-1\charscalex100 89.18%\tab \up0 \expndtw-1\charscalex100 114.49%\par\pard\li9

00\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx703
8\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 8.51%\tab \up0 \expndtw-1\charscalex100 7.44%\tab \up0 \expndt
w-1\charscalex100 7.82%\tab \up0 \expndtw-1\charscalex100 7.40%\tab \up0 \expndt
w-1\charscalex100 6.92%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\t
x9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.81\tab \up0 \expndtw-1\charscal
ex100 8.90\tab \up0 \expndtw-1\charscalex100 7.44\tab \up0 \expndtw-1\charscalex
100 9.21\tab \up0 \expndtw-1\charscalex100 8.17\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.13\tab \up0 \expndtw-1\charscalex
100 12.87\tab \up0 \expndtw-1\charscalex100 14.76\tab \up0 \expndtw-1\charscalex
100 16.82\tab \up0 \expndtw-1\charscalex100 17.39\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7143\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.54\tab \up0 \expndt
w-1\charscalex100 11.08\tab \up0 \expndtw-1\charscalex100 10.22\tab \up0 \expndt
w-1\charscalex100 11.16\tab \up0 \expndtw-1\charscalex100 12.18\par\pard\ql \li9
44\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9303
\tx10323\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash generated from opration activities to profit after tax (E4/D10) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.75\tab \up0 \expnd
tw-1\charscalex100 5.34\tab \up0 \expndtw-1\charscalex100 8.36\tab \up0 \expndtw
-1\charscalex100 18.70\tab \up0 \expndtw-1\charscalex100 15.53\par\pard\ql \li60
89\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089
\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 50
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g59}{\bkmkend Pg59}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 NIB BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90
\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f
55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscal
ex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex
100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx10053\tx
11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,5
94,386\tab \up0 \expndtw-1\charscalex100 29,006,672\tab \up0 \expndtw-1\charscal
ex100 41,643,272\tab \up0 \expndtw-1\charscalex100 7,892,204\tab \up0 \expndtw-1
\charscalex100 59,912,879\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6753\tx7833\
tx8913\tx9993\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 22,017,968\tab \up0 \expndtw-1\charscalex100 28,437,271\tab \up0 \expndtw-1\ch
arscalex100 40,437,271\tab \up0 \expndtw-1\charscalex100 40,437,271\tab \up0 \ex
pndtw-1\charscalex100 103,028,512\par\pard\li900\sb19\sl-161\slmult0\fi194\tx691
8\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 719,810\tab \up0 \expndtw-1\charscalex100 8,326,684\tab \up0 \expndtw-1\c
harscalex100 8,464,894\tab \up0 \expndtw-1\charscalex100 8,464,894\tab \up0 \exp
ndtw-1\charscalex100 218,276\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7
844\tx8924\tx9944\tx11024 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 (143,392)\tab \up0 \expndtw-1\charscalex100 (7,757,283)\tab \up0
\expndtw-1\charscalex100 (7,258,893)\tab \up0 \expndtw-1\charscalex100 (41,009,9
61)\tab \up0 \expndtw-1\charscalex100 (43,333,909)\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6753\tx7833\tx9030\tx10053\tx11024 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 13,997,648\tab \up0 \expndtw-1\charscalex100 10,691,836\ta
b \up0 \expndtw-1\charscalex100 (115,027)\tab \up0 \expndtw-1\charscalex100 5,99
2,736\tab \up0 \expndtw-1\charscalex100 (46,249,209)\par\pard\li900\sb39\sl-155\
slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 140,061,370\tab \up0 \expndtw-1\chars
calex100 139,210,607\tab \up0 \expndtw-1\charscalex100 166,590,718\tab \up0 \exp
ndtw-1\charscalex100 150,672,126\tab \up0 \expndtw-1\charscalex100 141,161,341\p
ar\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,110,211\tab \up0 \expn
dtw-1\charscalex100 1,432,084\tab \up0 \expndtw-1\charscalex100 1,574,207\tab \u
p0 \expndtw-1\charscalex100 1,335,493\tab \up0 \expndtw-1\charscalex100 1,738,42
2\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from fin
ancial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 16,669,412\tab \up0 \expndtw-1\charscalex100 23,651,366\tab \up0 \expndtw-1\

charscalex100 62,523,365\tab \up0 \expndtw-1\charscalex100 42,361,934\tab \up0 \

expndtw-1\charscalex100 47,382,031\par\pard\li900\sb19\sl-161\slmult0\fi194\tx66
78\tx7758\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 116,671,219\tab \up0 \expndtw-1\charscalex100 104,586,
167\tab \up0 \expndtw-1\charscalex100 93,919,805\tab \up0 \expndtw-1\charscalex1
00 99,111,741\tab \up0 \expndtw-1\charscalex100 85,472,247\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,610,528\tab \up0 \expndtw-1\cha
rscalex100 9,540,990\tab \up0 \expndtw-1\charscalex100 8,573,341\tab \up0 \expnd
tw-1\charscalex100 7,862,958\tab \up0 \expndtw-1\charscalex100 6,568,641\par\par
d\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 t
o C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 176,653,4
04\tab \up0 \expndtw-1\charscalex100 178,909,115\tab \up0 \expndtw-1\charscalex1
00 208,118,963\tab \up0 \expndtw-1\charscalex100 164,557,066\tab \up0 \expndtw-1
\charscalex100 154,825,011\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 10,318,722\tab \up0 \expndtw-1\charscalex100 9,355,1
04\tab \up0 \expndtw-1\charscalex100 8,834,275\tab \up0 \expndtw-1\charscalex100
8,836,474\tab \up0 \expndtw-1\charscalex100 7,969,044\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,401,796\tab \up0 \expndtw-1\chars
calex100 793,843\tab \up0 \expndtw-1\charscalex100 3,683,783\tab \up0 \expndtw-1
\charscalex100 2,952,593\tab \up0 \expndtw-1\charscalex100 1,486,560\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8973\tx10053\tx11073 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutio
ns\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,753,113\tab
\up0 \expndtw-1\charscalex100 12,459,621\tab \up0 \expndtw-1\charscalex100 5,68
1,887\tab \up0 \expndtw-1\charscalex100 6,429,166\tab \up0 \expndtw-1\charscalex
100 14,666,918\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9
993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Invest
ments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40,498,840
\tab \up0 \expndtw-1\charscalex100 35,176,823\tab \up0 \expndtw-1\charscalex100
62,432,977\tab \up0 \expndtw-1\charscalex100 50,209,083\tab \up0 \expndtw-1\char
scalex100 47,786,041\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx88
38\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9
2,586,336\tab \up0 \expndtw-1\charscalex100 97,322,481\tab \up0 \expndtw-1\chars
calex100 100,000,757\tab \up0 \expndtw-1\charscalex100 98,362,123\tab \up0 \expn
dtw-1\charscalex100 84,489,211\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\t
x7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 13,252,316\tab \up0 \expndtw-1\charscalex100 16,715
,515\tab \up0 \expndtw-1\charscalex100 15,746,457\tab \up0 \expndtw-1\charscalex
100 34,711,468\tab \up0 \expndtw-1\charscalex100 34,194,582\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,426,262\tab \up0 \expndtw-1
\charscalex100 16,978,288\tab \up0 \expndtw-1\charscalex100 15,979,351\tab \up0
\expndtw-1\charscalex100 23,778,539\tab \up0 \expndtw-1\charscalex100 23,627,698
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of prov
ision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 82
,160,074\tab \up0 \expndtw-1\charscalex100 80,344,193\tab \up0 \expndtw-1\charsc
alex100 84,021,406\tab \up0 \expndtw-1\charscalex100 74,583,584\tab \up0 \expndt
w-1\charscalex100 60,861,513\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7

893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5

2\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 30,800,135\tab \up0 \expndtw-1\charscalex100 3,702,426\tab \up0 \expndtw-1
\charscalex100 3,114,632\tab \up0 \expndtw-1\charscalex100 2,751,703\tab \up0 \e
xpndtw-1\charscalex100 2,722,863\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 6,720,724\tab \up0 \expndtw-1\charscalex100 37,077,105\tab \up0
\expndtw-1\charscalex100 40,350,003\tab \up0 \expndtw-1\charscalex100 18,794,463
\tab \up0 \expndtw-1\charscalex100 19,332,072\par\pard\li900\sb14\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & los
s account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx
11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/inter
est earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,999
,888\tab \up0 \expndtw-1\charscalex100 15,201,691\tab \up0 \expndtw-1\charscalex
100 18,272,363\tab \up0 \expndtw-1\charscalex100 16,482,767\tab \up0 \expndtw-1\
charscalex100 14,250,121\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\
tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 4,995,955\tab \up0 \expndtw-1\charscalex100 10,799,816\tab \up0 \
expndtw-1\charscalex100 12,872,357\tab \up0 \expndtw-1\charscalex100 13,467,526\
tab \up0 \expndtw-1\charscalex100 12,155,613\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 2,003,933\tab \up0 \expndtw-1\charscalex10
0 4,401,875\tab \up0 \expndtw-1\charscalex100 5,400,006\tab \up0 \expndtw-1\char
scalex100 3,015,241\tab \up0 \expndtw-1\charscalex100 2,094,508\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,494,801\tab \up0 \expndtw
-1\charscalex100 9,657,400\tab \up0 \expndtw-1\charscalex100 1,195,329\tab \up0
\expndtw-1\charscalex100 10,041,017\tab \up0 \expndtw-1\charscalex100 2,549,789\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7844\tx8973\tx10004\tx11238 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest
income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 509,132\tab \up0 \expndtw-1\charscalex100 (5,255,525)\tab \up0 \expndt
w-1\charscalex100 4,204,677\tab \up0 \expndtw-1\charscalex100 (7,025,776)\tab \u
p0 \expndtw-1\charscalex100 455,281\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 598,771\tab \up0 \expndtw-1\charscalex100 2,421,876
\tab \up0 \expndtw-1\charscalex100 1,681,833\tab \up0 \expndtw-1\charscalex100 1
,933,774\tab \up0 \expndtw-1\charscalex100 1,976,884\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,006,961\tab \up0 \expndtw-1\ch
arscalex100 8,164,241\tab \up0 \expndtw-1\charscalex100 5,242,439\tab \up0 \expn
dtw-1\charscalex100 7,336,960\tab \up0 \expndtw-1\charscalex100 5,064,890\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,002,159\tab \up0
\expndtw-1\charscalex100 6,433,122\tab \up0 \expndtw-1\charscalex100 5,345,307\
tab \up0 \expndtw-1\charscalex100 7,055,824\tab \up0 \expndtw-1\charscalex100 4,
823,582\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7844\tx9078\tx9944\tx1
1084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss)
before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
(571,207)\tab \up0 \expndtw-1\charscalex100 (1,099,789)\tab \up0 \expndtw-1\cha
rscalex100 644,071\tab \up0 \expndtw-1\charscalex100 (12,089,002)\tab \up0 \expn
dtw-1\charscalex100 (3,492,009)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\
tx7844\tx9078\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 (350,557)\tab \up0 \expndtw-1\charscalex100 (7,474,679
)\tab \up0 \expndtw-1\charscalex100 691,048\tab \up0 \expndtw-1\charscalex100 (9
,706,760)\tab \up0 \expndtw-1\charscalex100 (2,067,422)\par\pard\li900\sb14\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Ot
her items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\t
x11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordi
nary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,20
1,797\tab \up0 \expndtw-1\charscalex100 2,843,727\tab \up0 \expndtw-1\charscalex
100 4,043,727\tab \up0 \expndtw-1\charscalex100 4,043,727\tab \up0 \expndtw-1\ch
arscalex100 10,302,851\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx
9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\tab \up0 \expndtw-1\charscalex100 42.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 1.55%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx
11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock divide
nd/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9944\tx111
33 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated
from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 7,989,545\tab \up0 \expndtw-1\charscalex100 21,302,169\tab \up0 \expnd
tw-1\charscalex100 28,507,068\tab \up0 \expndtw-1\charscalex100 (16,940,772)\tab
\up0 \expndtw-1\charscalex100 6,809,298\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6753\tx7833\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 55,864,113\tab \up0 \expndtw-1\charscalex100 93
,144,827\tab \up0 \expndtw-1\charscalex100 123,505,187\tab \up0 \expndtw-1\chars
calex100 152,511,924\tab \up0 \expndtw-1\charscalex100 142,890,225\par\pard\li90
0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult
0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 28.63%\tab \up0 \expndtw-1\charscalex100 28.96%\
tab \up0 \expndtw-1\charscalex100 29.55%\tab \up0 \expndtw-1\charscalex100 18.29
%\tab \up0 \expndtw-1\charscalex100 14.70%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.13%\tab \up0 \expndtw-1\charscal
ex100 2.46%\tab \up0 \expndtw-1\charscalex100 2.59%\tab \up0 \expndtw-1\charscal
ex100 1.83%\tab \up0 \expndtw-1\charscalex100 1.35%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7080\tx8160\tx9303\tx10320\tx11400 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.02\tab \up0 \expndtw-1\charsca
lex100 -0.26\tab \up0 \expndtw-1\charscalex100 0.02\tab \up0 \expndtw-1\charscal
ex100 -1.23\tab \up0 \expndtw-1\charscalex100 -0.03\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6975\tx8055\tx9198\tx10215\tx11295 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.20%\tab \up0 \expndtw-1\charsc
alex100 -4.18%\tab \up0 \expndtw-1\charscalex100 0.33%\tab \up0 \expndtw-1\chars
calex100 -5.90%\tab \up0 \expndtw-1\charscalex100 -1.34%\par\pard\li900\sb19\sl161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total asset
s (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.34%
\tab \up0 \expndtw-1\charscalex100 1.35%\tab \up0 \expndtw-1\charscalex100 0.81%
\tab \up0 \expndtw-1\charscalex100 1.18%\tab \up0 \expndtw-1\charscalex100 1.28%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8055\tx9198\tx10215\tx11358 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest

income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \

ul0\nosupersub\cf56\f57\fs12 0.29%\tab \up0 \expndtw-1\charscalex100 -2.94%\tab
\up0 \expndtw-1\charscalex100 2.02%\tab \up0 \expndtw-1\charscalex100 -4.27%\tab
\up0 \expndtw-1\charscalex100 0.29%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.37%\tab \up0 \ex
pndtw-1\charscalex100 71.04%\tab \up0 \expndtw-1\charscalex100 70.45%\tab \up0 \
expndtw-1\charscalex100 81.71%\tab \up0 \expndtw-1\charscalex100 85.30%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\tx10320\tx11400 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit bef
ore tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 -3.51\tab \up0 \expndtw-1\charscalex100 -5.85\tab \up0 \expndtw-1\chars
calex100 8.30\tab \up0 \expndtw-1\charscalex100 -0.58\tab \up0 \expndtw-1\charsc
alex100 -1.38\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-ma
rkup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 26.41%\tab \up0 \expndtw-1\charscalex100 46.3
3%\tab \up0 \expndtw-1\charscalex100 26.27%\tab \up0 \expndtw-1\charscalex100 39
.84%\tab \up0 \expndtw-1\charscalex100 31.21%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6
) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.34\t
ab \up0 \expndtw-1\charscalex100 2.66\tab \up0 \expndtw-1\charscalex100 3.18\tab
\up0 \expndtw-1\charscalex100 3.65\tab \up0 \expndtw-1\charscalex100 2.44\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\tx10320\tx11400 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E
1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.16\tab \up
0 \expndtw-1\charscalex100 -2.63\tab \up0 \expndtw-1\charscalex100 0.17\tab \up0
\expndtw-1\charscalex100 -2.40\tab \up0 \expndtw-1\charscalex100 -0.20\par\pard
\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx
8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 6.63%\tab \up0 \expndtw-1\charscalex1
00 5.67%\tab \up0 \expndtw-1\charscalex100 6.01%\tab \up0 \expndtw-1\charscalex1
00 7.16%\tab \up0 \expndtw-1\charscalex100 6.11%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22.93%\tab \up0 \expndtw-1\charsc
alex100 19.66%\tab \up0 \expndtw-1\charscalex100 30.00%\tab \up0 \expndtw-1\char
scalex100 30.51%\tab \up0 \expndtw-1\charscalex100 30.86%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets
(C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.51%\t
ab \up0 \expndtw-1\charscalex100 44.91%\tab \up0 \expndtw-1\charscalex100 40.37%
\tab \up0 \expndtw-1\charscalex100 45.32%\tab \up0 \expndtw-1\charscalex100 39.3
1%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total
assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 66
.05%\tab \up0 \expndtw-1\charscalex100 58.46%\tab \up0 \expndtw-1\charscalex100
45.13%\tab \up0 \expndtw-1\charscalex100 60.23%\tab \up0 \expndtw-1\charscalex10
0 55.21%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabil
ities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 79.29%\tab \up0 \expndtw-1\charscalex100 77.81%\tab \up0 \expndtw-1\
charscalex100 80.05%\tab \up0 \expndtw-1\charscalex100 91.56%\tab \up0 \expndtw1\charscalex100 91.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx
9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nos

upersub\cf56\f57\fs12 79.36%\tab \up0 \expndtw-1\charscalex100 93.05%\tab \up0 \

expndtw-1\charscalex100 106.47%\tab \up0 \expndtw-1\charscalex100 99.24%\tab \up
0 \expndtw-1\charscalex100 98.85%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx697
8\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 69.44%\tab \up0 \expndtw-1\charsc
alex100 75.89%\tab \up0 \expndtw-1\charscalex100 63.92%\tab \up0 \expndtw-1\char
scalex100 69.53%\tab \up0 \expndtw-1\charscalex100 63.60%\par\pard\li900\sb15\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.
Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 14.31%\tab \up0 \expndtw-1\charscalex100 17.18%\t
ab \up0 \expndtw-1\charscalex100 15.75%\tab \up0 \expndtw-1\charscalex100 35.29%
\tab \up0 \expndtw-1\charscalex100 40.47%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7304\tx8384\tx9464\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2
\expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 24.17%\tab \up0 \expndtw-1\charscalex100 27.97%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6978\tx8058\tx9138\tx10143\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 58.65%\tab \up0 \expndtw-1\ch
arscalex100 57.63%\tab \up0 \expndtw-1\charscalex100 37.81%\tab \up0 \expndtw-1\
charscalex100 439.82%\tab \up0 \expndtw-1\charscalex100 57.07%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6978\tx8058\tx9198\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4
/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14.34%\tab
\up0 \expndtw-1\charscalex100 56.88%\tab \up0 \expndtw-1\charscalex100 7.48%\tab
\up0 \expndtw-1\charscalex100 42.23%\tab \up0 \expndtw-1\charscalex100 10.79%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9063\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL
to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
78.68%\tab \up0 \expndtw-1\charscalex100 101.57%\tab \up0 \expndtw-1\charscalex
100 101.48%\tab \up0 \expndtw-1\charscalex100 68.50%\tab \up0 \expndtw-1\charsca
lex100 69.10%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\
sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10278\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.79%\tab \up0 \expndtw-1\charscale
x100 16.21%\tab \up0 \expndtw-1\charscalex100 20.01%\tab \up0 \expndtw-1\charsca
lex100 4.80%\tab \up0 \expndtw-1\charscalex100 38.70%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10323\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E
5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.4
7\tab \up0 \expndtw-1\charscalex100 3.21\tab \up0 \expndtw-1\charscalex100 2.97\
tab \up0 \expndtw-1\charscalex100 19.32\tab \up0 \expndtw-1\charscalex100 2.38\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per sh
are (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.26
\tab \up0 \expndtw-1\charscalex100 10.20\tab \up0 \expndtw-1\charscalex100 10.30
\tab \up0 \expndtw-1\charscalex100 1.95\tab \up0 \expndtw-1\charscalex100 5.82\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10323\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to tota
l equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 5.16\tab \up0 \expndtw-1\charscalex100 3.61\tab \up0 \expndtw-1\charscal
ex100 2.26\tab \up0 \expndtw-1\charscalex100 12.56\tab \up0 \expndtw-1\charscale
x100 1.43\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult
0\fi0\tx7004\tx8160\tx9243\tx10383\tx11400 \dn2 \expndtw-1\charscalex100 \ul0\no

supersub\cf51\f52\fs14 1.Cash generated from opration activities to profit after

tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 -22.79\tab \up0 \expndtw-1\charscalex100 -2.85\tab \up0 \expndtw-1\charsca
lex100 41.25\tab \up0 \expndtw-1\charscalex100 1.75\tab \up0 \expndtw-1\charscal
ex100 -3.29\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-16
1\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 51
{\shp {\*\shpinst\shpleft900\shptop14760\shpright11790\shpbottom14760\shpfhdr0\s
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{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g60}{\bkmkend Pg60}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SAMBA BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi
90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54
\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsc
alex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscal
ex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,
218,641\tab \up0 \expndtw-1\charscalex100 5,476,330\tab \up0 \expndtw-1\charscal
ex100 4,883,277\tab \up0 \expndtw-1\charscalex100 7,936,255\tab \up0 \expndtw-1\
charscalex100 8,172,770\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx

8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14

1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
8,769,517\tab \up0 \expndtw-1\charscalex100 8,769,517\tab \up0 \expndtw-1\charsc
alex100 8,769,517\tab \up0 \expndtw-1\charscalex100 14,334,734\tab \up0 \expndtw
-1\charscalex100 14,334,734\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
43,080\tab \up0 \expndtw-1\charscalex100 43,080\tab \up0 \expndtw-1\charscalex1
00 43,080\tab \up0 \expndtw-1\charscalex100 43,080\tab \up0 \expndtw-1\charscale
x100 90,383\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7844\tx8924\tx1000
4\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appro
priated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (
2,593,956)\tab \up0 \expndtw-1\charscalex100 (3,336,267)\tab \up0 \expndtw-1\cha
rscalex100 (3,929,320)\tab \up0 \expndtw-1\charscalex100 (6,441,559)\tab \up0 \e
xpndtw-1\charscalex100 (6,252,347)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
30\tx8010\tx8973\tx10170\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 (16,483)\tab \up0 \expndtw-1\charscalex100 (14,176)\tab \up0 \expndtw-1\ch
arscalex100 2,192,383\tab \up0 \expndtw-1\charscalex100 (10,577)\tab \up0 \expnd
tw-1\charscalex100 9,497\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\t
x8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 14,453,144\tab \up0 \expndtw-1\charscalex100 11,025,182\tab \up0
\expndtw-1\charscalex100 16,658,466\tab \up0 \expndtw-1\charscalex100 22,585,442
\tab \up0 \expndtw-1\charscalex100 23,148,705\par\pard\li900\sb6\sl-161\slmult0\
fi194\tx6813\tx8058\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 1,056,878\tab \up0 \expndtw-1\charscalex100 55,349\tab \u
p0 \expndtw-1\charscalex100 78,127\tab \up0 \expndtw-1\charscalex100 115,759\tab
\up0 \expndtw-1\charscalex100 529,005\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 182,611\tab \up0 \expndtw-1\charscalex
100 437,949\tab \up0 \expndtw-1\charscalex100 3,141,284\tab \up0 \expndtw-1\char
scalex100 6,534,994\tab \up0 \expndtw-1\charscalex100 3,996,032\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,644,938\tab \up0 \expn
dtw-1\charscalex100 9,859,537\tab \up0 \expndtw-1\charscalex100 12,520,633\tab \
up0 \expndtw-1\charscalex100 14,871,806\tab \up0 \expndtw-1\charscalex100 17,669
,297\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx112
38 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. lia
bilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 568,717
\tab \up0 \expndtw-1\charscalex100 672,347\tab \up0 \expndtw-1\charscalex100 918
,422\tab \up0 \expndtw-1\charscalex100 1,062,883\tab \up0 \expndtw-1\charscalex1
00 954,371\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\t
x11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total asset
s (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 20,655,302\tab \up0 \expndtw-1\charscalex100 16,487,336\tab \up0 \expnd
tw-1\charscalex100 23,734,126\tab \up0 \expndtw-1\charscalex100 30,511,120\tab \
up0 \expndtw-1\charscalex100 31,330,972\par\pard\li900\sb6\sl-161\slmult0\fi194\
tx6813\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1,003,611\tab \up0 \expndtw-1\charscale
x100 774,575\tab \up0 \expndtw-1\charscalex100 961,280\tab \up0 \expndtw-1\chars
calex100 1,250,011\tab \up0 \expndtw-1\charscalex100 1,463,306\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10053\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 63,348\tab \up0 \expndtw-1\
charscalex100 331,201\tab \up0 \expndtw-1\charscalex100 707,912\tab \up0 \expndt

w-1\charscalex100 1,195,948\tab \up0 \expndtw-1\charscalex100 59,384\par\pard\li

900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutio
ns\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,565,836\tab
\up0 \expndtw-1\charscalex100 2,313,308\tab \up0 \expndtw-1\charscalex100 3,123
,377\tab \up0 \expndtw-1\charscalex100 1,389,003\tab \up0 \expndtw-1\charscalex1
00 803,459\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investment
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,947,925\tab
\up0 \expndtw-1\charscalex100 3,829,354\tab \up0 \expndtw-1\charscalex100 5,807,
829\tab \up0 \expndtw-1\charscalex100 11,090,905\tab \up0 \expndtw-1\charscalex1
00 9,663,613\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx999
3\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross ad
vances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,105,438
\tab \up0 \expndtw-1\charscalex100 8,605,889\tab \up0 \expndtw-1\charscalex100 1
2,343,360\tab \up0 \expndtw-1\charscalex100 14,747,321\tab \up0 \expndtw-1\chars
calex100 18,374,905\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.
Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 2,410,997\tab \up0 \expndtw-1\charscalex100 1,961,143\tab \up
0 \expndtw-1\charscalex100 2,726,295\tab \up0 \expndtw-1\charscalex100 2,711,299
\tab \up0 \expndtw-1\charscalex100 2,619,410\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 2,412,325\tab \up0 \expndtw-1\charscalex100
2,442,881\tab \up0 \expndtw-1\charscalex100 2,619,949\tab \up0 \expndtw-1\charsc
alex100 2,609,535\tab \up0 \expndtw-1\charscalex100 2,543,578\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,693,113\tab \up0 \e
xpndtw-1\charscalex100 6,163,008\tab \up0 \expndtw-1\charscalex100 9,723,411\tab
\up0 \expndtw-1\charscalex100 12,137,786\tab \up0 \expndtw-1\charscalex100 15,8
31,327\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx1
1238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 854,292\tab \up0
\expndtw-1\charscalex100 1,157,689\tab \up0 \expndtw-1\charscalex100 1,112,169\
tab \up0 \expndtw-1\charscalex100 1,001,413\tab \up0 \expndtw-1\charscalex100 90
3,608\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. a
ssets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,527,177\
tab \up0 \expndtw-1\charscalex100 1,918,201\tab \up0 \expndtw-1\charscalex100 2,
298,148\tab \up0 \expndtw-1\charscalex100 2,446,054\tab \up0 \expndtw-1\charscal
ex100 2,606,275\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,182,921\tab \up0 \expndtw-1\char
scalex100 1,758,004\tab \up0 \expndtw-1\charscalex100 1,878,626\tab \up0 \expndt
w-1\charscalex100 2,384,653\tab \up0 \expndtw-1\charscalex100 3,352,186\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 837,869\tab \up0
\expndtw-1\charscalex100 1,071,307\tab \up0 \expndtw-1\charscalex100 1,208,857\t
ab \up0 \expndtw-1\charscalex100 1,350,320\tab \up0 \expndtw-1\charscalex100 1,9
43,845\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx1
1133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/in
terest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
345,052\tab \up0 \expndtw-1\charscalex100 686,697\tab \up0 \expndtw-1\charscalex
100 669,769\tab \up0 \expndtw-1\charscalex100 1,034,333\tab \up0 \expndtw-1\char
scalex100 1,408,341\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx907

8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.

Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 924,777\tab \up0 \expndtw-1\charscalex100 312,528\tab \up0 \expndtw-1\
charscalex100 239,511\tab \up0 \expndtw-1\charscalex100 17,599\tab \up0 \expndtw
-1\charscalex100 46,204\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7998\t
x9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 5.Net markup/interest income after provisions\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 (579,725)\tab \up0 \expndtw-1\charscalex100 37
4,169\tab \up0 \expndtw-1\charscalex100 430,258\tab \up0 \expndtw-1\charscalex10
0 1,016,734\tab \up0 \expndtw-1\charscalex100 1,454,545\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6918\tx7998\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 128,432\tab \up0 \expndtw-1\cha
rscalex100 125,429\tab \up0 \expndtw-1\charscalex100 92,224\tab \up0 \expndtw-1\
charscalex100 321,243\tab \up0 \expndtw-1\charscalex100 152,397\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 921,386\tab \up0 \exp
ndtw-1\charscalex100 1,511,039\tab \up0 \expndtw-1\charscalex100 1,590,906\tab \
up0 \expndtw-1\charscalex100 1,468,273\tab \up0 \expndtw-1\charscalex100 1,406,0
48\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative ex
penses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 891,889\t
ab \up0 \expndtw-1\charscalex100 1,461,077\tab \up0 \expndtw-1\charscalex100 1,4
15,235\tab \up0 \expndtw-1\charscalex100 1,456,873\tab \up0 \expndtw-1\charscale
x100 1,393,321\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7844\tx8924\tx1
0110\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profi
t/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 (1,372,679)\tab \up0 \expndtw-1\charscalex100 (1,011,441)\tab \up0 \exp
ndtw-1\charscalex100 (1,068,424)\tab \up0 \expndtw-1\charscalex100 (130,296)\tab
\up0 \expndtw-1\charscalex100 200,894\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6764\tx7950\tx9030\tx10110\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 (1,322,892)\tab \up0 \expndtw-1\charscalex100 (
742,311)\tab \up0 \expndtw-1\charscalex100 (593,053)\tab \up0 \expndtw-1\charsca
lex100 (119,594)\tab \up0 \expndtw-1\charscalex100 236,515\par\pard\li900\sb14\s
l-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E
.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of o
rdinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8
76,952\tab \up0 \expndtw-1\charscalex100 876,952\tab \up0 \expndtw-1\charscalex1
00 876,952\tab \up0 \expndtw-1\charscalex100 1,433,473\tab \up0 \expndtw-1\chars
calex100 1,433,473\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168
\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.C
ash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.0
0%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.0
0%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.0
0%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bo
nus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%
\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%
\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7893\tx8973\tx10053\tx11084 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from
operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 (3,934,986)\tab \up0 \expndtw-1\charscalex100 4,073,848\tab \up0 \expndtw1\charscalex100 6,840,004\tab \up0 \expndtw-1\charscalex100 5,087,251\tab \up0 \
expndtw-1\charscalex100 (2,388,547)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \u

l0\nosupersub\cf56\f57\fs12 2,089,651\tab \up0 \expndtw-1\charscalex100 30,569,8

56\tab \up0 \expndtw-1\charscalex100 14,557,877\tab \up0 \expndtw-1\charscalex10
0 17,205,195\tab \up0 \expndtw-1\charscalex100 29,978,957\par\pard\li900\sb14\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.
Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 29.17%\tab \up0 \expndtw-1\charscalex100 39.06%\tab \up0
\expndtw-1\charscalex100 35.65%\tab \up0 \expndtw-1\charscalex100 43.37%\tab \up
0 \expndtw-1\charscalex100 42.01%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx703
8\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1.67%\tab \up0 \expndtw-1\charscalex100 4.1
6%\tab \up0 \expndtw-1\charscalex100 2.82%\tab \up0 \expndtw-1\charscalex100 3.3
9%\tab \up0 \expndtw-1\charscalex100 4.50%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 -0.21\tab \up0 \expndtw-1\charscalex100 -0
.14\tab \up0 \expndtw-1\charscalex100 -0.12\tab \up0 \expndtw-1\charscalex100 -0
.02\tab \up0 \expndtw-1\charscalex100 0.03\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6975\tx8055\tx9135\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 -6.40%\tab \up0 \expndtw-1\charscalex100 4.50%\tab \up0 \expndtw-1\charscalex100 -2.50%\tab \up0 \expndtw-1\charscalex100
-0.39%\tab \up0 \expndtw-1\charscalex100 0.75%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.62%\tab \up0
\expndtw-1\charscalex100 0.76%\tab \up0 \expndtw-1\charscalex100 0.39%\tab \up0
\expndtw-1\charscalex100 1.05%\tab \up0 \expndtw-1\charscalex100 0.49%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8118\tx9198\tx10278\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income
(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 -2.81%\tab \up0 \expndtw-1\charscalex100 2.27%\tab \up0 \exp
ndtw-1\charscalex100 1.81%\tab \up0 \expndtw-1\charscalex100 3.33%\tab \up0 \exp
ndtw-1\charscalex100 4.64%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 70.83%\tab \up0 \expndtw-1\ch
arscalex100 60.94%\tab \up0 \expndtw-1\charscalex100 64.35%\tab \up0 \expndtw-1\
charscalex100 56.63%\tab \up0 \expndtw-1\charscalex100 57.99%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10244\tx11463 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (
D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.65\tab \up0 \expndtw-1\charscalex100 -1.44\tab \up0 \expndtw-1\charscalex100 1.32\tab \up0 \expndtw-1\charscalex100 -11.18\tab \up0 \expndtw-1\charscalex100
6.94\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/inte
rest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 70.26%\tab \up0 \expndtw-1\charscalex100 80.23%\tab \u
p0 \expndtw-1\charscalex100 80.72%\tab \up0 \expndtw-1\charscalex100 54.26%\tab
\up0 \expndtw-1\charscalex100 40.12%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7143\tx8163\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (times)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.94\tab \up0 \
expndtw-1\charscalex100 11.65\tab \up0 \expndtw-1\charscalex100 15.35\tab \up0 \
expndtw-1\charscalex100 4.54\tab \up0 \expndtw-1\charscalex100 9.14\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1.51\tab \up0 \expn

dtw-1\charscalex100 -0.85\tab \up0 \expndtw-1\charscalex100 -0.68\tab \up0 \expn

dtw-1\charscalex100 -0.08\tab \up0 \expndtw-1\charscalex100 0.16\par\pard\li900\
sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx
9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 5.17%\tab \up0 \expndtw-1\charscalex100 6.71
%\tab \up0 \expndtw-1\charscalex100 7.03%\tab \up0 \expndtw-1\charscalex100 8.02
%\tab \up0 \expndtw-1\charscalex100 4.86%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 19.11%\tab \up0 \expndtw-1\charscalex100
23.23%\tab \up0 \expndtw-1\charscalex100 24.47%\tab \up0 \expndtw-1\charscalex1
00 36.35%\tab \up0 \expndtw-1\charscalex100 30.84%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22.72%\tab \up0
\expndtw-1\charscalex100 37.38%\tab \up0 \expndtw-1\charscalex100 40.97%\tab \u
p0 \expndtw-1\charscalex100 39.78%\tab \up0 \expndtw-1\charscalex100 50.53%\par\
pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets
(B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 61.22%\ta
b \up0 \expndtw-1\charscalex100 59.80%\tab \up0 \expndtw-1\charscalex100 52.75%\
tab \up0 \expndtw-1\charscalex100 48.74%\tab \up0 \expndtw-1\charscalex100 56.40
%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities t
o total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 69.97%\tab \up0 \expndtw-1\charscalex100 66.87%\tab \up0 \expndtw-1\charsca
lex100 70.19%\tab \up0 \expndtw-1\charscalex100 74.02%\tab \up0 \expndtw-1\chars
calex100 73.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gros
s advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 56.19%\tab \up0 \expndtw-1\charscalex100 87.28%\tab \up0 \expndtw
-1\charscalex100 98.58%\tab \up0 \expndtw-1\charscalex100 99.16%\tab \up0 \expnd
tw-1\charscalex100 103.99%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 55.39%\tab \up0 \expndtw-1\charscalex100
83.57%\tab \up0 \expndtw-1\charscalex100 78.81%\tab \up0 \expndtw-1\charscalex1
00 68.89%\tab \up0 \expndtw-1\charscalex100 84.81%\par\pard\li900\sb15\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets
quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-pe
rforming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 33.93%\tab \up0 \expndtw-1\charscalex100 22.79%\tab \up0
\expndtw-1\charscalex100 22.09%\tab \up0 \expndtw-1\charscalex100 18.39%\tab \u
p0 \expndtw-1\charscalex100 14.26%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx73
04\tx8384\tx9464\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expnd
tw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17.
69%\tab \up0 \expndtw-1\charscalex100 13.84%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 38.77%\tab \up0 \expndtw-1\charscale
x100 35.81%\tab \up0 \expndtw-1\charscalex100 55.83%\tab \up0 \expndtw-1\charsca
lex100 34.16%\tab \up0 \expndtw-1\charscalex100 32.05%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38.34%\tab \up0 \ex

pndtw-1\charscalex100 12.79%\tab \up0 \expndtw-1\charscalex100 9.14%\tab \up0 \e

xpndtw-1\charscalex100 0.67%\tab \up0 \expndtw-1\charscalex100 1.82%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (
C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100.06%\t
ab \up0 \expndtw-1\charscalex100 124.56%\tab \up0 \expndtw-1\charscalex100 96.10
%\tab \up0 \expndtw-1\charscalex100 96.25%\tab \up0 \expndtw-1\charscalex100 97.
10%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 30.11%\tab \up0 \expndtw-1\charscalex100 33.22
%\tab \up0 \expndtw-1\charscalex100 20.57%\tab \up0 \expndtw-1\charscalex100 26.
01%\tab \up0 \expndtw-1\charscalex100 26.09%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (tim
es)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.34\tab \up
0 \expndtw-1\charscalex100 5.58\tab \up0 \expndtw-1\charscalex100 2.98\tab \up0
\expndtw-1\charscalex100 2.17\tab \up0 \expndtw-1\charscalex100 3.67\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.09\tab \up0 \
expndtw-1\charscalex100 6.24\tab \up0 \expndtw-1\charscalex100 5.57\tab \up0 \ex
pndtw-1\charscalex100 5.54\tab \up0 \expndtw-1\charscalex100 5.70\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/
A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.03\
tab \up0 \expndtw-1\charscalex100 1.80\tab \up0 \expndtw-1\charscalex100 2.56\ta
b \up0 \expndtw-1\charscalex100 1.87\tab \up0 \expndtw-1\charscalex100 2.16\par\
pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\t
x8160\tx9164\tx10244\tx11324 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Cash generated from opration activities to profit after tax (E4/D10)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.97\tab
\up0 \expndtw-1\charscalex100 -5.49\tab \up0 \expndtw-1\charscalex100 -11.53\ta
b \up0 \expndtw-1\charscalex100 -42.54\tab \up0 \expndtw-1\charscalex100 -10.10\
par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \p
ar\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 52
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g61}{\bkmkend Pg61}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SILKBANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90
\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f
55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscal
ex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex
100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx9078\tx9993\tx1
1073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,100
,769\tab \up0 \expndtw-1\charscalex100 3,089,997\tab \up0 \expndtw-1\charscalex1
00 196,905\tab \up0 \expndtw-1\charscalex100 13,431,374\tab \up0 \expndtw-1\char
scalex100 18,800,542\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.S
hare capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,0
01,750\tab \up0 \expndtw-1\charscalex100 9,003,150\tab \up0 \expndtw-1\charscale
x100 9,003,150\tab \up0 \expndtw-1\charscalex100 26,716,048\tab \up0 \expndtw-1\
charscalex100 26,716,048\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10518\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21
8,556\tab \up0 \expndtw-1\charscalex100 218,556\tab \up0 \expndtw-1\charscalex10
0 224,649\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
139,013\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7844\tx8924\tx9944\tx1
1084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriat
ed profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (4,119
,537)\tab \up0 \expndtw-1\charscalex100 (6,131,709)\tab \up0 \expndtw-1\charscal
ex100 (9,030,894)\tab \up0 \expndtw-1\charscalex100 (13,284,674)\tab \up0 \expnd
tw-1\charscalex100 (8,054,519)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10004\tx11024 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,079,670\tab \up0 \expndtw-1\charscalex100 1,301,363\tab \up0 \expndtw-1\char
scalex100 1,566,184\tab \up0 \expndtw-1\charscalex100 (8,597,427)\tab \up0 \expn
dtw-1\charscalex100 (13,162,035)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\
tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 51,480,161\tab \up0 \expndtw-1\charscalex100 51,253,908\t
ab \up0 \expndtw-1\charscalex100 66,901,252\tab \up0 \expndtw-1\charscalex100 67
,835,146\tab \up0 \expndtw-1\charscalex100 85,031,770\par\pard\li900\sb6\sl-161\
slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 570,756\tab \up0 \expndtw-1\charscalex100 431,537

\tab \up0 \expndtw-1\charscalex100 637,602\tab \up0 \expndtw-1\charscalex100 836

,931\tab \up0 \expndtw-1\charscalex100 1,679,456\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6813\tx7893\tx8913\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,880,449\tab \up0 \expndtw1\charscalex100 8,738,616\tab \up0 \expndtw-1\charscalex100 15,088,332\tab \up0
\expndtw-1\charscalex100 9,871,141\tab \up0 \expndtw-1\charscalex100 17,781,686\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other ac
counts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42,373,71
0\tab \up0 \expndtw-1\charscalex100 41,056,630\tab \up0 \expndtw-1\charscalex100
49,610,034\tab \up0 \expndtw-1\charscalex100 55,706,188\tab \up0 \expndtw-1\cha
rscalex100 64,071,908\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,655,246\tab \up0 \expndtw-1\charscalex100 1,027,125\tab \up0 \expndt
w-1\charscalex100 1,565,284\tab \up0 \expndtw-1\charscalex100 1,420,886\tab \up0
\expndtw-1\charscalex100 1,498,720\par\pard\li900\sb39\sl-155\slmult0\fi44\tx67
53\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 53,660,600\tab \up0 \expndtw-1\charscalex100 5
5,645,268\tab \up0 \expndtw-1\charscalex100 68,664,341\tab \up0 \expndtw-1\chars
calex100 72,669,093\tab \up0 \expndtw-1\charscalex100 90,670,277\par\pard\li900\
sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury bank
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,223,780\tab
\up0 \expndtw-1\charscalex100 3,070,067\tab \up0 \expndtw-1\charscalex100 3,120,
880\tab \up0 \expndtw-1\charscalex100 3,414,524\tab \up0 \expndtw-1\charscalex10
0 4,436,142\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances
with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 128,991\tab \up0 \expndtw-1\charscalex100 190,197\tab \up0 \expndtw-1\charscal
ex100 151,068\tab \up0 \expndtw-1\charscalex100 89,355\tab \up0 \expndtw-1\chars
calex100 94,322\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx
10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lend
ing to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 839,959\tab \up0 \expndtw-1\charscalex100 1,376,651\tab \up0 \expn
dtw-1\charscalex100 1,067,708\tab \up0 \expndtw-1\charscalex100 1,050,754\tab \u
p0 \expndtw-1\charscalex100 3,100,803\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 17,859,169\tab \up0 \expndtw-1\charscalex100 12,012,233\tab \up0 \e
xpndtw-1\charscalex100 20,179,329\tab \up0 \expndtw-1\charscalex100 13,190,048\t
ab \up0 \expndtw-1\charscalex100 17,547,640\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 31,415,818\tab \up0 \expndtw-1\charscalex100 38,187,392\ta
b \up0 \expndtw-1\charscalex100 40,592,094\tab \up0 \expndtw-1\charscalex100 52,
924,512\tab \up0 \expndtw-1\charscalex100 55,309,362\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,136,018\tab \up0 \expndtw-1
\charscalex100 12,845,225\tab \up0 \expndtw-1\charscalex100 11,891,428\tab \up0
\expndtw-1\charscalex100 12,360,000\tab \up0 \expndtw-1\charscalex100 11,022,942
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against a
dvances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,540,84
6\tab \up0 \expndtw-1\charscalex100 7,100,019\tab \up0 \expndtw-1\charscalex100
8,494,604\tab \up0 \expndtw-1\charscalex100 8,570,106\tab \up0 \expndtw-1\charsc
alex100 5,373,083\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\

tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Adv

ances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 25,874,972\tab \up0 \expndtw-1\charscalex100 31,087,373\tab \up0
\expndtw-1\charscalex100 32,097,490\tab \up0 \expndtw-1\charscalex100 44,354,406
\tab \up0 \expndtw-1\charscalex100 49,936,279\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 2,367,883\tab \up0 \expndtw-1\charscalex100 3,002,450\tab
\up0 \expndtw-1\charscalex100 3,720,695\tab \up0 \expndtw-1\charscalex100 2,443
,805\tab \up0 \expndtw-1\charscalex100 4,755,911\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 3,365,846\tab \up0 \expndtw-1\charscalex100 4,9
06,297\tab \up0 \expndtw-1\charscalex100 8,327,171\tab \up0 \expndtw-1\charscale
x100 8,126,201\tab \up0 \expndtw-1\charscalex100 10,799,180\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx
8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 4,799,853\tab \up0 \expndtw-1\charscalex100 4,588,299\tab \up0 \expndt
w-1\charscalex100 5,913,317\tab \up0 \expndtw-1\charscalex100 6,775,565\tab \up0
\expndtw-1\charscalex100 8,385,608\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 4,440,116\tab \up0 \expndtw-1\charscalex100 4,218,901
\tab \up0 \expndtw-1\charscalex100 5,855,517\tab \up0 \expndtw-1\charscalex100 5
,926,528\tab \up0 \expndtw-1\charscalex100 6,514,770\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6918\tx7998\tx9138\tx10158\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 359,737\tab \up0 \expndtw-1\charsc
alex100 369,398\tab \up0 \expndtw-1\charscalex100 57,800\tab \up0 \expndtw-1\cha
rscalex100 849,037\tab \up0 \expndtw-1\charscalex100 1,870,838\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10158\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,132,444\tab \up0 \expndtw
-1\charscalex100 1,642,093\tab \up0 \expndtw-1\charscalex100 2,309,355\tab \up0
\expndtw-1\charscalex100 228,114\tab \up0 \expndtw-1\charscalex100 2,629,853\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7844\tx8924\tx10158\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest i
ncome after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 (2,772,707)\tab \up0 \expndtw-1\charscalex100 (1,272,695)\tab \up0 \expnd
tw-1\charscalex100 (2,251,555)\tab \up0 \expndtw-1\charscalex100 620,923\tab \up
0 \expndtw-1\charscalex100 4,500,691\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6918\tx7998\tx9078\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 776,825\tab \up0 \expndtw-1\charscalex100 384,510\
tab \up0 \expndtw-1\charscalex100 662,187\tab \up0 \expndtw-1\charscalex100 1,18
4,804\tab \up0 \expndtw-1\charscalex100 846,586\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 1,324,383\tab \up0 \expndtw-1\charsca
lex100 1,946,070\tab \up0 \expndtw-1\charscalex100 2,663,091\tab \up0 \expndtw-1
\charscalex100 3,041,273\tab \up0 \expndtw-1\charscalex100 3,988,359\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,270,317\tab \up0 \exp
ndtw-1\charscalex100 1,935,732\tab \up0 \expndtw-1\charscalex100 2,747,856\tab \
up0 \expndtw-1\charscalex100 3,153,601\tab \up0 \expndtw-1\charscalex100 3,779,0
45\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7844\tx8924\tx10004\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) bef

ore taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (3,

320,265)\tab \up0 \expndtw-1\charscalex100 (2,834,255)\tab \up0 \expndtw-1\chars
calex100 (4,252,459)\tab \up0 \expndtw-1\charscalex100 (1,235,546)\tab \up0 \exp
ndtw-1\charscalex100 1,358,918\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\t
x7844\tx8924\tx10004\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 (3,040,907)\tab \up0 \expndtw-1\charscalex100 (2,014,26
8)\tab \up0 \expndtw-1\charscalex100 (2,902,905)\tab \up0 \expndtw-1\charscalex1
00 (1,131,154)\tab \up0 \expndtw-1\charscalex100 695,063\par\pard\li900\sb14\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.O
ther items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ord
inary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 500
,175\tab \up0 \expndtw-1\charscalex100 900,315\tab \up0 \expndtw-1\charscalex100
900,315\tab \up0 \expndtw-1\charscalex100 2,671,605\tab \up0 \expndtw-1\charsca
lex100 2,671,605\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9168\t
x10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cas
h dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%
\tab \up0 \expndtw-1\charscalex100 80.00%\tab \up0 \expndtw-1\charscalex100 0.00
%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bon
us shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6764\tx7844\tx8973\tx9944\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from o
perating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 (2,009,657)\tab \up0 \expndtw-1\charscalex100 (7,387,980)\tab \up0 \expndtw1\charscalex100 6,510,410\tab \up0 \expndtw-1\charscalex100 (10,346,069)\tab \up
0 \expndtw-1\charscalex100 8,225,230\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 15,144,301\tab \up0 \expndtw-1\charscalex100 13,208
,986\tab \up0 \expndtw-1\charscalex100 13,454,187\tab \up0 \expndtw-1\charscalex
100 18,460,536\tab \up0 \expndtw-1\charscalex100 24,940,371\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194
\tx7038\tx8118\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 7.49%\tab \up0 \expndtw-1\charscalex100 8.05%\tab \up0
\expndtw-1\charscalex100 0.98%\tab \up0 \expndtw-1\charscalex100 12.53%\tab \up0
\expndtw-1\charscalex100 22.31%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038
\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 0.67%\tab \up0 \expndtw-1\charscalex100 0.66
%\tab \up0 \expndtw-1\charscalex100 0.08%\tab \up0 \expndtw-1\charscalex100 1.17
%\tab \up0 \expndtw-1\charscalex100 2.06%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7080\tx8160\tx9164\tx10320\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 -2.76\tab \up0 \expndtw-1\charscalex100 -0.
65\tab \up0 \expndtw-1\charscalex100 -14.74\tab \up0 \expndtw-1\charscalex100 -0
.08\tab \up0 \expndtw-1\charscalex100 0.04\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6975\tx8055\tx9135\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 -5.67%\tab \up0 \expndtw-1\charscalex100 3.62%\tab \up0 \expndtw-1\charscalex100 -4.23%\tab \up0 \expndtw-1\charscalex100
-1.56%\tab \up0 \expndtw-1\charscalex100 0.77%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C

)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.45%\tab \up0

\expndtw-1\charscalex100 0.69%\tab \up0 \expndtw-1\charscalex100 0.96%\tab \up0
\expndtw-1\charscalex100 1.63%\tab \up0 \expndtw-1\charscalex100 0.93%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8055\tx9135\tx10278\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income
(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 -5.17%\tab \up0 \expndtw-1\charscalex100 -2.29%\tab \up0 \ex
pndtw-1\charscalex100 -3.28%\tab \up0 \expndtw-1\charscalex100 0.85%\tab \up0 \e
xpndtw-1\charscalex100 4.96%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 92.51%\tab \up0 \expndtw-1\
charscalex100 91.95%\tab \up0 \expndtw-1\charscalex100 99.02%\tab \up0 \expndtw1\charscalex100 87.47%\tab \up0 \expndtw-1\charscalex100 77.69%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before tax.
(D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
-0.38\tab \up0 \expndtw-1\charscalex100 -0.68\tab \up0 \expndtw-1\charscalex100
-0.65\tab \up0 \expndtw-1\charscalex100 -2.55\tab \up0 \expndtw-1\charscalex100
2.78\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/int
erest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 23.75%\tab \up0 \expndtw-1\charscalex100 39.13%\tab \
up0 \expndtw-1\charscalex100 40.50%\tab \up0 \expndtw-1\charscalex100 38.21%\tab
\up0 \expndtw-1\charscalex100 43.20%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (times
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.64\tab \up0
\expndtw-1\charscalex100 5.03\tab \up0 \expndtw-1\charscalex100 4.15\tab \up0 \e
xpndtw-1\charscalex100 2.66\tab \up0 \expndtw-1\charscalex100 4.46\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -6.08\tab \up0 \expnd
tw-1\charscalex100 -2.24\tab \up0 \expndtw-1\charscalex100 -3.22\tab \up0 \expnd
tw-1\charscalex100 -0.42\tab \up0 \expndtw-1\charscalex100 0.26\par\pard\li900\s
b14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9
198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 6.25%\tab \up0 \expndtw-1\charscalex100 5.86%
\tab \up0 \expndtw-1\charscalex100 4.77%\tab \up0 \expndtw-1\charscalex100 4.82%
\tab \up0 \expndtw-1\charscalex100 5.00%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 33.28%\tab \up0 \expndtw-1\charscalex100
21.59%\tab \up0 \expndtw-1\charscalex100 29.39%\tab \up0 \expndtw-1\charscalex10
0 18.15%\tab \up0 \expndtw-1\charscalex100 19.35%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48.22%\tab \up0
\expndtw-1\charscalex100 55.87%\tab \up0 \expndtw-1\charscalex100 46.75%\tab \up
0 \expndtw-1\charscalex100 61.04%\tab \up0 \expndtw-1\charscalex100 55.07%\par\p
ard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (
B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78.97%\tab
\up0 \expndtw-1\charscalex100 73.78%\tab \up0 \expndtw-1\charscalex100 72.25%\t
ab \up0 \expndtw-1\charscalex100 76.66%\tab \up0 \expndtw-1\charscalex100 70.66%
\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to
total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f

s12 95.94%\tab \up0 \expndtw-1\charscalex100 92.11%\tab \up0 \expndtw-1\charscal

ex100 97.43%\tab \up0 \expndtw-1\charscalex100 93.35%\tab \up0 \expndtw-1\charsc
alex100 93.78%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross
advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 74.14%\tab \up0 \expndtw-1\charscalex100 93.01%\tab \up0 \expndtw1\charscalex100 81.82%\tab \up0 \expndtw-1\charscalex100 95.01%\tab \up0 \expndt
w-1\charscalex100 86.32%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 63.78%\tab \up0 \expndtw-1\charscalex100 7
6.69%\tab \up0 \expndtw-1\charscalex100 62.74%\tab \up0 \expndtw-1\charscalex100
80.71%\tab \up0 \expndtw-1\charscalex100 67.57%\par\pard\li900\sb15\sl-184\slmu
lt0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets qu
ality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-perf
orming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 19.53%\tab \up0 \expndtw-1\charscalex100 33.64%\tab \up0 \
expndtw-1\charscalex100 29.29%\tab \up0 \expndtw-1\charscalex100 23.35%\tab \up0
\expndtw-1\charscalex100 19.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304
\tx8384\tx9464\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw
-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.19
%\tab \up0 \expndtw-1\charscalex100 9.71%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6903\tx7983\tx8973\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 557.43%\tab \up0 \expndtw-1\charscalex1
00 415.70%\tab \up0 \expndtw-1\charscalex100 6,039.17%\tab \up0 \expndtw-1\chars
calex100 92.02%\tab \up0 \expndtw-1\charscalex100 58.63%\par\pard\li900\sb19\sl161\slmult0\fi194\tx6978\tx8058\tx9138\tx10278\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 56.53%\tab \up0 \
expndtw-1\charscalex100 23.13%\tab \up0 \expndtw-1\charscalex100 27.19%\tab \up0
\expndtw-1\charscalex100 2.66%\tab \up0 \expndtw-1\charscalex100 48.94%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NP
Ls (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 90.30
%\tab \up0 \expndtw-1\charscalex100 55.27%\tab \up0 \expndtw-1\charscalex100 71.
43%\tab \up0 \expndtw-1\charscalex100 69.34%\tab \up0 \expndtw-1\charscalex100 4
8.74%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\s
lmult0\fi194\tx7038\tx8118\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 2.05%\tab \up0 \expndtw-1\charscalex100 5.55
%\tab \up0 \expndtw-1\charscalex100 0.29%\tab \up0 \expndtw-1\charscalex100 18.4
8%\tab \up0 \expndtw-1\charscalex100 20.74%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7083\tx8223\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (time
s)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.76\tab \up
0 \expndtw-1\charscalex100 4.27\tab \up0 \expndtw-1\charscalex100 68.33\tab \up0
\expndtw-1\charscalex100 1.37\tab \up0 \expndtw-1\charscalex100 1.33\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.20\tab \up0
\expndtw-1\charscalex100 3.43\tab \up0 \expndtw-1\charscalex100 0.22\tab \up0 \e
xpndtw-1\charscalex100 5.03\tab \up0 \expndtw-1\charscalex100 7.04\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9168\tx10383\tx11463 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3
/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38.4

9\tab \up0 \expndtw-1\charscalex100 13.29\tab \up0 \expndtw-1\charscalex100 251.

95\tab \up0 \expndtw-1\charscalex100 4.15\tab \up0 \expndtw-1\charscalex100 3.41
\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7
143\tx8223\tx9240\tx10383\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Cash generated from opration activities to profit after tax (E4/
D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.6
6\tab \up0 \expndtw-1\charscalex100 3.67\tab \up0 \expndtw-1\charscalex100 -2.24
\tab \up0 \expndtw-1\charscalex100 9.15\tab \up0 \expndtw-1\charscalex100 11.83\
par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \p
ar\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 53
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g62}{\bkmkend Pg62}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SONERI BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053

\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ

ity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6
,229,666\tab \up0 \expndtw-1\charscalex100 6,965,749\tab \up0 \expndtw-1\charsca
lex100 7,181,577\tab \up0 \expndtw-1\charscalex100 8,381,360\tab \up0 \expndtw-1
\charscalex100 11,238,162\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4,114,222\tab \up0 \expndtw-1\charscalex100 4,114,222\tab \up0 \expndtw-1\cha
rscalex100 5,019,351\tab \up0 \expndtw-1\charscalex100 6,023,221\tab \up0 \expnd
tw-1\charscalex100 9,029,185\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,876,669\tab \up0 \expndtw-1\charscalex100 2,016,877\tab \up0 \expndtw-1\char
scalex100 2,003,948\tab \up0 \expndtw-1\charscalex100 2,029,036\tab \up0 \expndt
w-1\charscalex100 1,182,501\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx79
98\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 238,775\tab \up0 \expndtw-1\charscalex100 834,650\tab \up0 \expnd
tw-1\charscalex100 158,278\tab \up0 \expndtw-1\charscalex100 329,103\tab \up0 \e
xpndtw-1\charscalex100 1,026,476\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918
\tx7998\tx9078\tx10158\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 380,813\tab \up0 \expndtw-1\charscalex100 147,298\tab \up0 \expndtw-1\charsc
alex100 621,624\tab \up0 \expndtw-1\charscalex100 536,313\tab \up0 \expndtw-1\ch
arscalex100 (260,875)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx89
13\tx9993\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.
Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 70,243,581\tab \up0 \expndtw-1\charscalex100 73,864,207\tab \up0 \ex
pndtw-1\charscalex100 87,507,071\tab \up0 \expndtw-1\charscalex100 99,188,005\ta
b \up0 \expndtw-1\charscalex100 118,755,099\par\pard\li900\sb6\sl-161\slmult0\fi
194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 1,640,514\tab \up0 \expndtw-1\charscalex100 1,254,496\tab \
up0 \expndtw-1\charscalex100 1,763,401\tab \up0 \expndtw-1\charscalex100 1,857,8
10\tab \up0 \expndtw-1\charscalex100 1,571,314\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,865,471\tab \up0 \expndtw-1\c
harscalex100 8,441,454\tab \up0 \expndtw-1\charscalex100 9,385,522\tab \up0 \exp
ndtw-1\charscalex100 12,370,528\tab \up0 \expndtw-1\charscalex100 14,557,179\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accou
nts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 60,150,128\t
ab \up0 \expndtw-1\charscalex100 61,634,491\tab \up0 \expndtw-1\charscalex100 73
,548,226\tab \up0 \expndtw-1\charscalex100 82,016,811\tab \up0 \expndtw-1\charsc
alex100 99,733,970\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.O
ther/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 2,587,468\tab \up0 \expndtw-1\charscalex100 2,533,766\tab \up0 \expndtw-1
\charscalex100 2,809,922\tab \up0 \expndtw-1\charscalex100 2,942,856\tab \up0 \e
xpndtw-1\charscalex100 2,892,636\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\
tx7833\tx8913\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 76,854,060\tab \up0 \expndtw-1\charscalex100 80,9
77,254\tab \up0 \expndtw-1\charscalex100 95,310,272\tab \up0 \expndtw-1\charscal
ex100 108,105,678\tab \up0 \expndtw-1\charscalex100 129,732,386\par\pard\li900\s
b6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,861,205\tab \
up0 \expndtw-1\charscalex100 5,646,755\tab \up0 \expndtw-1\charscalex100 6,471,1

73\tab \up0 \expndtw-1\charscalex100 7,247,711\tab \up0 \expndtw-1\charscalex100

8,959,130\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances
with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
4,349,673\tab \up0 \expndtw-1\charscalex100 3,908,859\tab \up0 \expndtw-1\chars
calex100 1,497,193\tab \up0 \expndtw-1\charscalex100 1,400,451\tab \up0 \expndtw
-1\charscalex100 879,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 3,175,009\tab \up0 \expndtw-1\charscalex100 3,990,269\tab
\up0 \expndtw-1\charscalex100 2,755,377\tab \up0 \expndtw-1\charscalex100 2,531
,900\tab \up0 \expndtw-1\charscalex100 813,190\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 19,181,562\tab \up0 \expndtw-1\charscalex100 14,053,177\ta
b \up0 \expndtw-1\charscalex100 29,537,179\tab \up0 \expndtw-1\charscalex100 34,
985,663\tab \up0 \expndtw-1\charscalex100 45,775,969\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 40,805,224\tab \up0 \expndtw-1\charscalex100 49,4
64,962\tab \up0 \expndtw-1\charscalex100 51,939,441\tab \up0 \expndtw-1\charscal
ex100 59,293,364\tab \up0 \expndtw-1\charscalex100 71,071,622\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,277,490\tab \up0
\expndtw-1\charscalex100 5,002,417\tab \up0 \expndtw-1\charscalex100 3,190,077\t
ab \up0 \expndtw-1\charscalex100 7,096,036\tab \up0 \expndtw-1\charscalex100 8,9
41,653\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx1
1133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision aga
inst advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 65
0,775\tab \up0 \expndtw-1\charscalex100 1,889,598\tab \up0 \expndtw-1\charscalex
100 3,212,338\tab \up0 \expndtw-1\charscalex100 4,617,643\tab \up0 \expndtw-1\ch
arscalex100 5,731,675\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8
913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8
.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 40,154,449\tab \up0 \expndtw-1\charscalex100 47,575,364\tab \
up0 \expndtw-1\charscalex100 48,727,103\tab \up0 \expndtw-1\charscalex100 54,675
,721\tab \up0 \expndtw-1\charscalex100 65,339,947\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 2,150,955\tab \up0 \expndtw-1\charscalex100 3,126,857
\tab \up0 \expndtw-1\charscalex100 3,333,891\tab \up0 \expndtw-1\charscalex100 3
,468,923\tab \up0 \expndtw-1\charscalex100 3,833,916\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,981,207\tab \up0 \expndtw-1\charscalex100
2,675,973\tab \up0 \expndtw-1\charscalex100 2,988,356\tab \up0 \expndtw-1\chars
calex100 3,795,309\tab \up0 \expndtw-1\charscalex100 4,131,234\par\pard\li900\sb
14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 6,271,636\tab \up0 \expndtw-1\charscalex100 7,822,941\tab \up0 \expn
dtw-1\charscalex100 9,337,284\tab \up0 \expndtw-1\charscalex100 10,250,494\tab \
up0 \expndtw-1\charscalex100 12,895,306\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 4,334,358\tab \up0 \expndtw-1\charscalex100 4,878
,347\tab \up0 \expndtw-1\charscalex100 6,602,779\tab \up0 \expndtw-1\charscalex1
00 7,203,842\tab \up0 \expndtw-1\charscalex100 8,997,385\par\pard\li900\sb19\sl-

161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale

x100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,937,281\tab \up0 \expndtw-1\
charscalex100 2,944,594\tab \up0 \expndtw-1\charscalex100 2,734,505\tab \up0 \ex
pndtw-1\charscalex100 3,046,652\tab \up0 \expndtw-1\charscalex100 3,897,921\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-off
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 234,815\tab \u
p0 \expndtw-1\charscalex100 1,265,942\tab \up0 \expndtw-1\charscalex100 1,633,34
3\tab \up0 \expndtw-1\charscalex100 1,452,236\tab \up0 \expndtw-1\charscalex100
1,272,178\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup
/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 1,702,466\tab \up0 \expndtw-1\charscalex100 1,678,652\tab \u
p0 \expndtw-1\charscalex100 1,101,162\tab \up0 \expndtw-1\charscalex100 1,594,41
6\tab \up0 \expndtw-1\charscalex100 2,625,743\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1,067,664\tab \up0 \expndtw-1\charscalex1
00 1,226,206\tab \up0 \expndtw-1\charscalex100 1,168,193\tab \up0 \expndtw-1\cha
rscalex100 1,228,431\tab \up0 \expndtw-1\charscalex100 1,955,203\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,293,445\tab \up0 \
expndtw-1\charscalex100 1,951,625\tab \up0 \expndtw-1\charscalex100 2,078,942\ta
b \up0 \expndtw-1\charscalex100 2,682,400\tab \up0 \expndtw-1\charscalex100 3,50
2,675\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,278,
974\tab \up0 \expndtw-1\charscalex100 1,673,590\tab \up0 \expndtw-1\charscalex10
0 2,113,660\tab \up0 \expndtw-1\charscalex100 2,623,991\tab \up0 \expndtw-1\char
scalex100 3,447,925\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx907
8\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.
Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 1,476,685\tab \up0 \expndtw-1\charscalex100 953,233\tab \up0 \expn
dtw-1\charscalex100 190,413\tab \up0 \expndtw-1\charscalex100 140,447\tab \up0 \
expndtw-1\charscalex100 1,078,271\par\pard\li900\sb19\sl-161\slmult0\fi194\tx681
3\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1,000,334\tab \up0 \expndtw-1\charscalex100 701,041\
tab \up0 \expndtw-1\charscalex100 145,355\tab \up0 \expndtw-1\charscalex100 125,
440\tab \up0 \expndtw-1\charscalex100 783,533\par\pard\li900\sb14\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\
par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary share
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 411,422\tab \u
p0 \expndtw-1\charscalex100 411,422\tab \up0 \expndtw-1\charscalex100 501,935\ta
b \up0 \expndtw-1\charscalex100 602,322\tab \up0 \expndtw-1\charscalex100 902,91
9\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.33%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.20%\tab \up0 \expndt
w-1\charscalex100 22.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.13%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8913\tx10053\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activ

ities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 892,813\ta

b \up0 \expndtw-1\charscalex100 4,500,148\tab \up0 \expndtw-1\charscalex100 13,8
92,687\tab \up0 \expndtw-1\charscalex100 5,497,142\tab \up0 \expndtw-1\charscale
x100 11,482,024\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx
9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commi
tments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 44,250,847\tab \up0 \expndtw-1\charscalex100 30,104,153\tab \up0 \expndt
w-1\charscalex100 39,824,682\tab \up0 \expndtw-1\charscalex100 55,540,656\tab \u
p0 \expndtw-1\charscalex100 32,814,252\par\pard\li900\sb14\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/p
rofitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.S
pread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 30.89%\tab \up0 \expndtw-1\charscalex100 37.64%\tab \up0 \expndtw-1\charscal
ex100 29.29%\tab \up0 \expndtw-1\charscalex100 29.72%\tab \up0 \expndtw-1\charsc
alex100 30.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1
0278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net m
arkup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2.52%\tab \up0 \expndtw-1\charscalex100 3.64%\tab \up0 \expndt
w-1\charscalex100 2.87%\tab \up0 \expndtw-1\charscalex100 2.82%\tab \up0 \expndt
w-1\charscalex100 3.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\t
x9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 0.16\tab \up0 \expndtw-1\charscalex100 0.10\tab \up0 \expndtw
-1\charscalex100 0.02\tab \up0 \expndtw-1\charscalex100 0.01\tab \up0 \expndtw-1
\charscalex100 0.07\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx919
8\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.
Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 1.30%\tab \up0 \expndtw-1\charscalex100 0.87%\tab \up0 \expndtw-1
\charscalex100 0.15%\tab \up0 \expndtw-1\charscalex100 0.12%\tab \up0 \expndtw-1
\charscalex100 0.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx91
98\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5
.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1.39%\tab \up0 \expndtw-1\charscalex100 1
.51%\tab \up0 \expndtw-1\charscalex100 1.23%\tab \up0 \expndtw-1\charscalex100 1
.14%\tab \up0 \expndtw-1\charscalex100 1.51%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to total asse
ts(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.22%\t
ab \up0 \expndtw-1\charscalex100 2.07%\tab \up0 \expndtw-1\charscalex100 1.16%\t
ab \up0 \expndtw-1\charscalex100 1.47%\tab \up0 \expndtw-1\charscalex100 2.02%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expen
se to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 69.11%\tab \up0 \expndtw-1\charscalex100 62.36%\tab \up0
\expndtw-1\charscalex100 70.71%\tab \up0 \expndtw-1\charscalex100 70.28%\tab \up
0 \expndtw-1\charscalex100 69.77%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx714
3\tx8223\tx9243\tx10323\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.87\tab \up0 \expndtw-1\char
scalex100 1.76\tab \up0 \expndtw-1\charscalex100 11.10\tab \up0 \expndtw-1\chars
calex100 18.68\tab \up0 \expndtw-1\charscalex100 3.20\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to total income
D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17.62
%\tab \up0 \expndtw-1\charscalex100 21.57%\tab \up0 \expndtw-1\charscalex100 19.
79%\tab \up0 \expndtw-1\charscalex100 23.37%\tab \up0 \expndtw-1\charscalex100 2
3.59%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11
463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expens
e to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex

100 \ul0\nosupersub\cf56\f57\fs12 1.20\tab \up0 \expndtw-1\charscalex100 1.36\ta

b \up0 \expndtw-1\charscalex100 1.81\tab \up0 \expndtw-1\charscalex100 2.14\tab
\up0 \expndtw-1\charscalex100 1.76\par\pard\li900\sb19\sl-161\slmult0\fi194\tx71
43\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 2.43\tab \up0 \expndtw-1\charscalex100 1.70\tab \up0
\expndtw-1\charscalex100 0.29\tab \up0 \expndtw-1\charscalex100 0.21\tab \up0 \e
xpndtw-1\charscalex100 0.87\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li90
0\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9198\tx10278\tx11358 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total as
sets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
3.29%\tab \up0 \expndtw-1\charscalex100 11.80%\tab \up0 \expndtw-1\charscalex100
8.36%\tab \up0 \expndtw-1\charscalex100 8.00%\tab \up0 \expndtw-1\charscalex100
7.58%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to
total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 24.96%\tab \up0 \expndtw-1\charscalex100 17.35%\tab \up0 \expndtw-1\charsca
lex100 30.99%\tab \up0 \expndtw-1\charscalex100 32.36%\tab \up0 \expndtw-1\chars
calex100 35.28%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Adva
nces net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 52.25%\tab \up0 \expndtw-1\charscalex100 58.75%\ta
b \up0 \expndtw-1\charscalex100 51.12%\tab \up0 \expndtw-1\charscalex100 50.58%\
tab \up0 \expndtw-1\charscalex100 50.37%\par\pard\li900\sb39\sl-155\slmult0\fi44
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 78.27%\tab \up0 \expndtw-1\charscalex100 76.
11%\tab \up0 \expndtw-1\charscalex100 77.17%\tab \up0 \expndtw-1\charscalex100 7
5.87%\tab \up0 \expndtw-1\charscalex100 76.88%\par\pard\li900\sb6\sl-161\slmult0
\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91.40%\tab \up0 \expndtw-1\cha
rscalex100 91.22%\tab \up0 \expndtw-1\charscalex100 91.81%\tab \up0 \expndtw-1\c
harscalex100 91.75%\tab \up0 \expndtw-1\charscalex100 91.54%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 67.84%\tab \up0 \exp
ndtw-1\charscalex100 80.26%\tab \up0 \expndtw-1\charscalex100 70.62%\tab \up0 \e
xpndtw-1\charscalex100 72.29%\tab \up0 \expndtw-1\charscalex100 71.26%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing &
deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 61.81%\tab \up0 \expndtw-1\charscalex100 70.59%\tab \up0 \expndtw-1\charscal
ex100 62.63%\tab \up0 \expndtw-1\charscalex100 62.82%\tab \up0 \expndtw-1\charsc
alex100 62.18%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl
-161\slmult0\fi194\tx7038\tx8058\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/
C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.13%\tab \u
p0 \expndtw-1\charscalex100 10.11%\tab \up0 \expndtw-1\charscalex100 6.14%\tab \
up0 \expndtw-1\charscalex100 11.97%\tab \up0 \expndtw-1\charscalex100 12.58%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10278\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs
to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw
-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 7.79%\tab \up0 \expndtw-1\charscalex100 8
.06%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareho
lders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f

s12 20.51%\tab \up0 \expndtw-1\charscalex100 71.81%\tab \up0 \expndtw-1\charscal

ex100 44.42%\tab \up0 \expndtw-1\charscalex100 84.66%\tab \up0 \expndtw-1\charsc
alex100 79.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs
write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 36.08%\tab \up0 \expndtw-1\charscalex100 67.00%\tab \up0 \e
xpndtw-1\charscalex100 50.85%\tab \up0 \expndtw-1\charscalex100 31.45%\tab \up0
\expndtw-1\charscalex100 22.20%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\
tx8058\tx9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 50.94%\tab \up0 \expndtw-1\charscalex100 37.77
%\tab \up0 \expndtw-1\charscalex100 100.70%\tab \up0 \expndtw-1\charscalex100 65
.07%\tab \up0 \expndtw-1\charscalex100 64.10%\par\pard\li900\sb14\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /lev
erage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1027
8\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital
ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.11
%\tab \up0 \expndtw-1\charscalex100 8.60%\tab \up0 \expndtw-1\charscalex100 7.53
%\tab \up0 \expndtw-1\charscalex100 7.75%\tab \up0 \expndtw-1\charscalex100 8.66
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & cont
ingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 7.10\tab \up0 \expndtw-1\charscalex100 4.32\tab \up0 \e
xpndtw-1\charscalex100 5.55\tab \up0 \expndtw-1\charscalex100 6.63\tab \up0 \exp
ndtw-1\charscalex100 2.92\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163
\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 15.14\tab \up0 \expndtw-1\charscalex100 16.93\tab \up0 \ex
pndtw-1\charscalex100 14.31\tab \up0 \expndtw-1\charscalex100 13.92\tab \up0 \ex
pndtw-1\charscalex100 12.45\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx82
23\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 9.66\tab \up0 \expndtw-1\charscalex100 8.85
\tab \up0 \expndtw-1\charscalex100 10.24\tab \up0 \expndtw-1\charscalex100 9.79\
tab \up0 \expndtw-1\charscalex100 8.87\par\pard\ql \li944\sb7\sl-184\slmult0 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\
pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9243\tx10323\tx11403 \dn2 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from oprati
on activities to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 0.89\tab \up0 \expndtw-1\charscalex100 6.42\t
ab \up0 \expndtw-1\charscalex100 95.58\tab \up0 \expndtw-1\charscalex100 43.82\t
ab \up0 \expndtw-1\charscalex100 14.65\par\pard\ql \li6089\sb0\sl-161\slmult0 \p
ar\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par
\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 54
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g63}{\bkmkend Pg63}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 STANDARD CHARTERED BANK (PAKISTAN) LIMITED\tab \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li9
00\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\
charscalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\ta
b \up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab
\up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx675
3\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 43,340,575\tab \up0 \expndtw-1\charscalex100 44,010,120\tab
\up0 \expndtw-1\charscalex100 44,817,406\tab \up0 \expndtw-1\charscalex100 48,3
39,869\tab \up0 \expndtw-1\charscalex100 51,535,761\par\pard\li900\sb0\sl-161\sl
mult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 38,715,850\tab \up0 \expndtw-1\charscalex100 38,715,
850\tab \up0 \expndtw-1\charscalex100 38,715,850\tab \up0 \expndtw-1\charscalex1
00 38,715,850\tab \up0 \expndtw-1\charscalex100 38,715,850\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 1,653,044\tab \up0 \expndtw-1\charscalex100 1,81
2,492\tab \up0 \expndtw-1\charscalex100 2,052,347\tab \up0 \expndtw-1\charscalex
100 2,785,229\tab \up0 \expndtw-1\charscalex100 3,879,491\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,971,681\tab \up0 \expndtw-1\chars
calex100 3,481,778\tab \up0 \expndtw-1\charscalex100 4,049,209\tab \up0 \expndtw
-1\charscalex100 6,838,790\tab \up0 \expndtw-1\charscalex100 8,940,420\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6870\tx7844\tx8973\tx10053\tx11133 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 (274,265)\tab \up0 \expndtw-1\charscal
ex100 (1,252,980)\tab \up0 \expndtw-1\charscalex100 3,852,905\tab \up0 \expndtw1\charscalex100 3,760,200\tab \up0 \expndtw-1\charscalex100 4,122,977\par\pard\l
i900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab

\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 212,478,904\tab \up0

\expndtw-1\charscalex100 221,860,038\tab \up0 \expndtw-1\charscalex100 268,909,
813\tab \up0 \expndtw-1\charscalex100 275,197,331\tab \up0 \expndtw-1\charscalex
100 308,529,074\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1
0053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills
payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,637,3
88\tab \up0 \expndtw-1\charscalex100 4,296,420\tab \up0 \expndtw-1\charscalex100
4,844,638\tab \up0 \expndtw-1\charscalex100 5,691,864\tab \up0 \expndtw-1\chars
calex100 4,576,789\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913
\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Bo
rrowings from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 6,616,065\tab \up0 \expndtw-1\charscalex100 8,695,730\tab \
up0 \expndtw-1\charscalex100 15,847,326\tab \up0 \expndtw-1\charscalex100 15,914
,343\tab \up0 \expndtw-1\charscalex100 19,361,864\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 177,161,630\tab \up0 \expndtw-1\charsca
lex100 174,551,801\tab \up0 \expndtw-1\charscalex100 206,915,825\tab \up0 \expnd
tw-1\charscalex100 220,187,888\tab \up0 \expndtw-1\charscalex100 235,874,584\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,063,821\tab \
up0 \expndtw-1\charscalex100 34,316,087\tab \up0 \expndtw-1\charscalex100 41,302
,024\tab \up0 \expndtw-1\charscalex100 33,403,236\tab \up0 \expndtw-1\charscalex
100 48,715,837\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx99
18\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total a
ssets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 255,545,214\tab \up0 \expndtw-1\charscalex100 264,617,178\tab \up0
\expndtw-1\charscalex100 317,580,124\tab \up0 \expndtw-1\charscalex100 327,297,4
00\tab \up0 \expndtw-1\charscalex100 364,187,812\par\pard\li900\sb6\sl-161\slmul
t0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26,295,860\tab \up0 \expndtw-1\
charscalex100 22,741,035\tab \up0 \expndtw-1\charscalex100 21,521,592\tab \up0 \
expndtw-1\charscalex100 24,087,885\tab \up0 \expndtw-1\charscalex100 26,293,151\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10158\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other
banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,628,280\
tab \up0 \expndtw-1\charscalex100 1,261,582\tab \up0 \expndtw-1\charscalex100 2,
305,891\tab \up0 \expndtw-1\charscalex100 921,931\tab \up0 \expndtw-1\charscalex
100 3,204,253\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx99
93\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending
to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 15,225,935\tab \up0 \expndtw-1\charscalex100 31,466,898\tab \up0 \exp
ndtw-1\charscalex100 20,568,064\tab \up0 \expndtw-1\charscalex100 30,421,885\tab
\up0 \expndtw-1\charscalex100 20,205,971\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6753\tx7833\tx8913\tx9993\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 40,696,466\tab \up0 \expndtw-1\charscalex100 29,586,663\tab \up
0 \expndtw-1\charscalex100 83,263,661\tab \up0 \expndtw-1\charscalex100 72,294,2
75\tab \up0 \expndtw-1\charscalex100 104,040,114\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 131,085,549\tab \up0 \expndtw-1\charscalex100 137,716
,271\tab \up0 \expndtw-1\charscalex100 146,243,792\tab \up0 \expndtw-1\charscale
x100 163,713,272\tab \up0 \expndtw-1\charscalex100 159,653,491\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,493,345\tab \up0
\expndtw-1\charscalex100 16,534,389\tab \up0 \expndtw-1\charscalex100 21,388,48

0\tab \up0 \expndtw-1\charscalex100 22,581,390\tab \up0 \expndtw-1\charscalex100

26,102,557\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993
\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision
against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 11,548,534\tab \up0 \expndtw-1\charscalex100 12,114,806\tab \up0 \expndtw-1\ch
arscalex100 16,783,638\tab \up0 \expndtw-1\charscalex100 18,991,715\tab \up0 \ex
pndtw-1\charscalex100 22,344,611\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678
\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 119,537,015\tab \up0 \expndtw-1\charscalex100 125,
601,465\tab \up0 \expndtw-1\charscalex100 129,460,154\tab \up0 \expndtw-1\charsc
alex100 144,721,557\tab \up0 \expndtw-1\charscalex100 137,308,880\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 3,734,139\tab \up0 \expndtw-1\charsca
lex100 3,886,275\tab \up0 \expndtw-1\charscalex100 7,003,915\tab \up0 \expndtw-1
\charscalex100 6,606,225\tab \up0 \expndtw-1\charscalex100 6,437,023\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48,427,519\tab \up0 \expndtw
-1\charscalex100 50,073,260\tab \up0 \expndtw-1\charscalex100 53,456,847\tab \up
0 \expndtw-1\charscalex100 48,243,642\tab \up0 \expndtw-1\charscalex100 66,698,4
20\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0
\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 22,530,080\tab \up0 \expndtw-1\charscalex100 23,
307,442\tab \up0 \expndtw-1\charscalex100 27,242,261\tab \up0 \expndtw-1\charsca
lex100 28,569,842\tab \up0 \expndtw-1\charscalex100 32,825,124\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,338,119\tab \up0 \expndtw
-1\charscalex100 6,888,900\tab \up0 \expndtw-1\charscalex100 10,725,651\tab \up0
\expndtw-1\charscalex100 11,016,266\tab \up0 \expndtw-1\charscalex100 11,907,71
3\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,191
,961\tab \up0 \expndtw-1\charscalex100 16,418,542\tab \up0 \expndtw-1\charscalex
100 16,516,610\tab \up0 \expndtw-1\charscalex100 17,553,576\tab \up0 \expndtw-1\
charscalex100 20,917,411\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 6,052,957\tab \up0 \expndtw-1\charscalex100 9,316,038\tab \up0 \e
xpndtw-1\charscalex100 9,447,907\tab \up0 \expndtw-1\charscalex100 4,359,235\tab
\up0 \expndtw-1\charscalex100 4,507,477\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6753\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,139,004\tab \up0 \expndtw-1
\charscalex100 7,102,504\tab \up0 \expndtw-1\charscalex100 7,068,703\tab \up0 \e
xpndtw-1\charscalex100 13,194,341\tab \up0 \expndtw-1\charscalex100 16,409,934\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,112,711
\tab \up0 \expndtw-1\charscalex100 6,611,470\tab \up0 \expndtw-1\charscalex100 6
,924,143\tab \up0 \expndtw-1\charscalex100 12,997,894\tab \up0 \expndtw-1\charsc
alex100 6,192,553\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\
tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non
-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 12,160,481\tab \up0 \expndtw-1\charscalex100 12,620,994\tab \up0 \ex
pndtw-1\charscalex100 12,477,127\tab \up0 \expndtw-1\charscalex100 13,439,371\ta

b \up0 \expndtw-1\charscalex100 14,016,159\par\pard\li900\sb19\sl-161\slmult0\fi

194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 12,081,963\tab \up0 \expndtw-1\charscalex100 12,42
4,711\tab \up0 \expndtw-1\charscalex100 12,148,873\tab \up0 \expndtw-1\charscale
x100 12,997,894\tab \up0 \expndtw-1\charscalex100 13,408,462\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,091,234\tab \up0 \expnd
tw-1\charscalex100 1,092,980\tab \up0 \expndtw-1\charscalex100 1,515,719\tab \up
0 \expndtw-1\charscalex100 5,757,685\tab \up0 \expndtw-1\charscalex100 8,586,328
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) afte
r taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,764
,069\tab \up0 \expndtw-1\charscalex100 677,132\tab \up0 \expndtw-1\charscalex100
872,411\tab \up0 \expndtw-1\charscalex100 3,740,855\tab \up0 \expndtw-1\charsca
lex100 5,553,141\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 3,971,585\tab \up0 \expndtw-1\charscalex100
3,871,585\tab \up0 \expndtw-1\charscalex100 3,871,585\tab \up0 \expndtw-1\chars
calex100 3,871,585\tab \up0 \expndtw-1\charscalex100 3,871,585\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.06%\tab \up0 \expndtw-1\charscalex100 0.10%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7784\tx8913\tx10004\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,247,515\tab \up0 \expndtw-1\
charscalex100 (12,894,580)\tab \up0 \expndtw-1\charscalex100 46,769,642\tab \up0
\expndtw-1\charscalex100 (9,718,375)\tab \up0 \expndtw-1\charscalex100 40,845,0
50\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\tx9918\tx10998
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and co
ntigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 183,6
69,089\tab \up0 \expndtw-1\charscalex100 121,947,090\tab \up0 \expndtw-1\charsca
lex100 150,649,399\tab \up0 \expndtw-1\charscalex100 164,327,870\tab \up0 \expnd
tw-1\charscalex100 182,579,724\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitabi
lity ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ra
tio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.8
7%\tab \up0 \expndtw-1\charscalex100 70.44%\tab \up0 \expndtw-1\charscalex100 60
.63%\tab \up0 \expndtw-1\charscalex100 61.44%\tab \up0 \expndtw-1\charscalex100
63.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx1
1358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/in
terest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 6.34%\tab \up0 \expndtw-1\charscalex100 6.20%\tab \up0 \expndtw-1\char
scalex100 5.20%\tab \up0 \expndtw-1\charscalex100 5.36%\tab \up0 \expndtw-1\char
scalex100 5.74%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Retu
rn on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.06\tab \up0 \expndtw-1\charscalex100 0.02\tab \up0 \expndtw-1\chars
calex100 0.02\tab \up0 \expndtw-1\charscalex100 0.08\tab \up0 \expndtw-1\charsca

lex100 0.11\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1027
8\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return o
n assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1.08%\tab \up0 \expndtw-1\charscalex100 0.26%\tab \up0 \expndtw-1\charsca
lex100 0.27%\tab \up0 \expndtw-1\charscalex100 1.14%\tab \up0 \expndtw-1\charsca
lex100 1.52%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx102
78\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-mar
kup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 2.39%\tab \up0 \expndtw-1\charscalex100 2.50%\tab
\up0 \expndtw-1\charscalex100 2.18%\tab \up0 \expndtw-1\charscalex100 3.97%\tab
\up0 \expndtw-1\charscalex100 1.70%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 6.Net markup/interest income(after prov.) to total assets(D5/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.97%\tab \up0
\expndtw-1\charscalex100 2.68%\tab \up0 \expndtw-1\charscalex100 2.23%\tab \up0
\expndtw-1\charscalex100 4.03%\tab \up0 \expndtw-1\charscalex100 4.51%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to ma
rkup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 28.13%\tab \up0 \expndtw-1\charscalex100 29.56%\tab \up0 \expndtw
-1\charscalex100 39.37%\tab \up0 \expndtw-1\charscalex100 38.56%\tab \up0 \expnd
tw-1\charscalex100 36.28%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8163
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 2.95\tab \up0 \expndtw-1\charscalex10
0 11.37\tab \up0 \expndtw-1\charscalex100 8.02\tab \up0 \expndtw-1\charscalex100
2.26\tab \up0 \expndtw-1\charscalex100 1.56\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42.46%\tab \up
0 \expndtw-1\charscalex100 42.18%\tab \up0 \expndtw-1\charscalex100 36.52%\tab \
up0 \expndtw-1\charscalex100 32.33%\tab \up0 \expndtw-1\charscalex100 35.92%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to nonmarkup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 1.98\tab \up0 \expndtw-1\charscalex100 1.88\tab \up0 \e
xpndtw-1\charscalex100 1.75\tab \up0 \expndtw-1\charscalex100 1.00\tab \up0 \exp
ndtw-1\charscalex100 2.17\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 0.70\tab \up0 \expndtw-1\charscalex100 0.17\tab \up0 \expndtw1\charscalex100 0.23\tab \up0 \expndtw-1\charscalex100 0.97\tab \up0 \expndtw-1\
charscalex100 1.43\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl161\slmult0\fi194\tx6978\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+
C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.93%\tab
\up0 \expndtw-1\charscalex100 9.07%\tab \up0 \expndtw-1\charscalex100 7.50%\tab
\up0 \expndtw-1\charscalex100 7.64%\tab \up0 \expndtw-1\charscalex100 8.10%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total ass
ets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.93
%\tab \up0 \expndtw-1\charscalex100 11.18%\tab \up0 \expndtw-1\charscalex100 26.
22%\tab \up0 \expndtw-1\charscalex100 22.09%\tab \up0 \expndtw-1\charscalex100 2
8.57%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net o
f provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 46.78%\tab \up0 \expndtw-1\charscalex100 47.47%\tab \up0 \ex
pndtw-1\charscalex100 40.76%\tab \up0 \expndtw-1\charscalex100 44.22%\tab \up0 \
expndtw-1\charscalex100 37.70%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx

8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f

54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 69.33%\tab \up0 \expndtw-1\charscalex100 65.96%\tab \u
p0 \expndtw-1\charscalex100 65.15%\tab \up0 \expndtw-1\charscalex100 67.27%\tab
\up0 \expndtw-1\charscalex100 64.77%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6
978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 83.15%\tab \up0 \expndtw-1\charscalex100
83.84%\tab \up0 \expndtw-1\charscalex100 84.67%\tab \up0 \expndtw-1\charscalex1
00 84.08%\tab \up0 \expndtw-1\charscalex100 84.72%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73.99%\tab \up0 \expndtw-1\cha
rscalex100 78.90%\tab \up0 \expndtw-1\charscalex100 70.68%\tab \up0 \expndtw-1\c
harscalex100 74.35%\tab \up0 \expndtw-1\charscalex100 67.69%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C
5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.33%
\tab \up0 \expndtw-1\charscalex100 75.15%\tab \up0 \expndtw-1\charscalex100 65.6
5%\tab \up0 \expndtw-1\charscalex100 69.34%\tab \up0 \expndtw-1\charscalex100 62
.55%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmul
t0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.00%\tab \up0 \expndt
w-1\charscalex100 12.01%\tab \up0 \expndtw-1\charscalex100 14.63%\tab \up0 \expn
dtw-1\charscalex100 13.79%\tab \up0 \expndtw-1\charscalex100 16.35%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gross
advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.48%
\tab \up0 \expndtw-1\charscalex100 11.60%\tab \up0 \expndtw-1\charscalex100 14.0
0%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to sharehold
ers equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 24.21%\tab \up0 \expndtw-1\charscalex100 37.57%\tab \up0 \expndtw-1\charscalex
100 47.72%\tab \up0 \expndtw-1\charscalex100 46.71%\tab \up0 \expndtw-1\charscal
ex100 50.65%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs wr
ite off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 52.41%\tab \up0 \expndtw-1\charscalex100 76.90%\tab \up0 \exp
ndtw-1\charscalex100 56.29%\tab \up0 \expndtw-1\charscalex100 22.95%\tab \up0 \e
xpndtw-1\charscalex100 20.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 110.06%\tab \up0 \expndtw-1\charscalex100 73.27%
\tab \up0 \expndtw-1\charscalex100 78.47%\tab \up0 \expndtw-1\charscalex100 84.1
0%\tab \up0 \expndtw-1\charscalex100 85.60%\par\pard\li900\sb14\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /lever
age ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ra
tio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.96%
\tab \up0 \expndtw-1\charscalex100 16.63%\tab \up0 \expndtw-1\charscalex100 14.1
1%\tab \up0 \expndtw-1\charscalex100 14.77%\tab \up0 \expndtw-1\charscalex100 14
.15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx114
63 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & c
ontingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 4.24\tab \up0 \expndtw-1\charscalex100 2.77\tab \up0
\expndtw-1\charscalex100 3.36\tab \up0 \expndtw-1\charscalex100 3.40\tab \up0 \
expndtw-1\charscalex100 3.54\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8

163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5

2\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 10.91\tab \up0 \expndtw-1\charscalex100 11.37\tab \up0
\expndtw-1\charscalex100 11.58\tab \up0 \expndtw-1\charscalex100 12.49\tab \up0
\expndtw-1\charscalex100 13.31\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\t
x8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 4.09\tab \up0 \expndtw-1\charscalex100 3
.97\tab \up0 \expndtw-1\charscalex100 4.62\tab \up0 \expndtw-1\charscalex100 4.5
5\tab \up0 \expndtw-1\charscalex100 4.58\par\pard\ql \li944\sb7\sl-184\slmult0 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \pa
r\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8084\tx9243\tx10320\tx11463 \dn2 \
expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opra
tion activities to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 3.35\tab \up0 \expndtw-1\charscalex100 -19.
04\tab \up0 \expndtw-1\charscalex100 53.61\tab \up0 \expndtw-1\charscalex100 -2.
60\tab \up0 \expndtw-1\charscalex100 7.36\par\pard\ql \li6089\sb0\sl-161\slmult0
\par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \
par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 55
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g64}{\bkmkend Pg64}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\

pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no

supersub\cf57\f58\fs24 SUMMIT BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053
\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ
ity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6
,324,139\tab \up0 \expndtw-1\charscalex100 6,132,731\tab \up0 \expndtw-1\charsca
lex100 4,065,941\tab \up0 \expndtw-1\charscalex100 3,494,032\tab \up0 \expndtw-1
\charscalex100 5,434,595\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\t
x8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 4,500,000\tab \up0 \expndtw-1\charscalex100 5,000,000\tab \up0 \expndtw-1\char
scalex100 5,000,000\tab \up0 \expndtw-1\charscalex100 7,250,660\tab \up0 \expndt
w-1\charscalex100 10,779,796\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,631,395\tab \up0 \expndtw-1\charscalex100 1,314,828\tab \up0 \expndtw-1\char
scalex100 1,064,828\tab \up0 \expndtw-1\charscalex100 (1,335,050)\tab \up0 \expn
dtw-1\charscalex100 (1,551,944)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\
tx7950\tx8924\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 192,744\tab \up0 \expndtw-1\charscalex100 (182,097)\tab \up0
\expndtw-1\charscalex100 (1,998,887)\tab \up0 \expndtw-1\charscalex100 (2,421,57
8)\tab \up0 \expndtw-1\charscalex100 (3,793,257)\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6930\tx7950\tx9090\tx10110\tx11238 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 (22,563)\tab \up0 \expndtw-1\charscalex100 (312,611)\tab \up
0 \expndtw-1\charscalex100 (11,541)\tab \up0 \expndtw-1\charscalex100 (220,764)\
tab \up0 \expndtw-1\charscalex100 721,080\par\pard\li900\sb39\sl-155\slmult0\fi4
4\tx6753\tx7833\tx8913\tx9993\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 11,819,210\tab \up0 \expndtw-1\charscalex100 18,
982,697\tab \up0 \expndtw-1\charscalex100 34,118,975\tab \up0 \expndtw-1\charsca
lex100 68,883,636\tab \up0 \expndtw-1\charscalex100 113,516,398\par\pard\li900\s
b6\sl-161\slmult0\fi194\tx6918\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 384,179\tab \up0 \expndtw-1\charscalex1
00 75,963\tab \up0 \expndtw-1\charscalex100 213,209\tab \up0 \expndtw-1\charscal
ex100 357,293\tab \up0 \expndtw-1\charscalex100 900,750\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,748,603\tab \up0 \e
xpndtw-1\charscalex100 1,869,940\tab \up0 \expndtw-1\charscalex100 1,554,801\tab
\up0 \expndtw-1\charscalex100 5,257,243\tab \up0 \expndtw-1\charscalex100 18,56
2,616\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx110
73 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and ot
her accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,4
64,785\tab \up0 \expndtw-1\charscalex100 16,616,466\tab \up0 \expndtw-1\charscal
ex100 31,307,488\tab \up0 \expndtw-1\charscalex100 61,537,424\tab \up0 \expndtw1\charscalex100 89,614,738\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx799
8\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 221,643\tab \up0 \expndtw-1\charscalex100 420,328\tab \up0 \expnd
tw-1\charscalex100 1,043,477\tab \up0 \expndtw-1\charscalex100 1,731,676\tab \up
0 \expndtw-1\charscalex100 4,438,294\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6
753\tx7833\tx8913\tx9993\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\c

f53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscale

x100 \ul0\nosupersub\cf56\f57\fs12 18,120,786\tab \up0 \expndtw-1\charscalex100
24,802,817\tab \up0 \expndtw-1\charscalex100 38,173,375\tab \up0 \expndtw-1\char
scalex100 72,156,904\tab \up0 \expndtw-1\charscalex100 119,672,073\par\pard\li90
0\sb6\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury ba
nks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 753,845\tab
\up0 \expndtw-1\charscalex100 1,349,649\tab \up0 \expndtw-1\charscalex100 1,923,
526\tab \up0 \expndtw-1\charscalex100 4,047,590\tab \up0 \expndtw-1\charscalex10
0 6,117,998\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9078\tx1015
8\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances
with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 52,551\tab \up0 \expndtw-1\charscalex100 65,580\tab \up0 \expndtw-1\charscalex
100 724,802\tab \up0 \expndtw-1\charscalex100 375,207\tab \up0 \expndtw-1\charsc
alex100 1,433,614\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\
tx10517\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Le
nding to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2,855,582\tab \up0 \expndtw-1\charscalex100 200,000\tab \up0 \ex
pndtw-1\charscalex100 1,433,817\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \ex
pndtw-1\charscalex100 1,069,757\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 5,408,425\tab \up0 \expndtw-1\charscalex100 5,094,613\tab \up0 \expndtw-1
\charscalex100 12,446,033\tab \up0 \expndtw-1\charscalex100 20,204,357\tab \up0
\expndtw-1\charscalex100 36,134,418\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 8,157,709\tab \up0 \expndtw-1\charscalex100 16,510,341\tab \up0 \e
xpndtw-1\charscalex100 21,072,058\tab \up0 \expndtw-1\charscalex100 44,477,357\t
ab \up0 \expndtw-1\charscalex100 68,381,073\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6917\tx7997\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 128,461\tab \up0 \expndtw-1\charscalex
100 751,663\tab \up0 \expndtw-1\charscalex100 2,568,243\tab \up0 \expndtw-1\char
scalex100 11,394,074\tab \up0 \expndtw-1\charscalex100 22,417,723\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx8973\tx10053\tx11073 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 128,461\tab \up0 \expnd
tw-1\charscalex100 751,663\tab \up0 \expndtw-1\charscalex100 2,568,243\tab \up0
\expndtw-1\charscalex100 5,723,944\tab \up0 \expndtw-1\charscalex100 11,068,103\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provi
sion (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,0
29,248\tab \up0 \expndtw-1\charscalex100 15,758,678\tab \up0 \expndtw-1\charscal
ex100 18,503,815\tab \up0 \expndtw-1\charscalex100 38,753,413\tab \up0 \expndtw1\charscalex100 57,312,970\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx799
7\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 597,515\tab \up0 \expndtw-1\charscalex100 927,882\tab \up0 \expndtw-1\charsc
alex100 1,570,754\tab \up0 \expndtw-1\charscalex100 2,781,943\tab \up0 \expndtw1\charscalex100 5,950,625\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7893
\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 423,620\tab \up0 \expndtw-1\charscalex100 1,406,415\tab \up0 \expndtw1\charscalex100 1,570,628\tab \up0 \expndtw-1\charscalex100 5,994,394\tab \up0 \
expndtw-1\charscalex100 11,652,691\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\p
ar\pard\li900\sb1\sl-161\slmult0\fi194\tx6917\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 617,854\tab \up

0 \expndtw-1\charscalex100 2,471,982\tab \up0 \expndtw-1\charscalex100 3,514,363

\tab \up0 \expndtw-1\charscalex100 7,068,952\tab \up0 \expndtw-1\charscalex100 9
,529,068\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7893\tx8973\tx10053\t
x11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/inte
rest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
252,338\tab \up0 \expndtw-1\charscalex100 1,585,875\tab \up0 \expndtw-1\charscal
ex100 2,877,797\tab \up0 \expndtw-1\charscalex100 6,100,832\tab \up0 \expndtw-1\
charscalex100 9,020,995\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\t
x9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 365,516\tab \up0 \expndtw-1\charscalex100 886,107\tab \up0 \exp
ndtw-1\charscalex100 636,566\tab \up0 \expndtw-1\charscalex100 968,120\tab \up0
\expndtw-1\charscalex100 508,073\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7277
\tx7997\tx8973\tx10053\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 623,202\tab \up0 \exp
ndtw-1\charscalex100 2,040,787\tab \up0 \expndtw-1\charscalex100 2,230,522\tab \
up0 \expndtw-1\charscalex100 367,809\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6917\tx7997\tx8924\tx10053\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 365,516\tab \up0 \expndtw-1\chars
calex100 262,905\tab \up0 \expndtw-1\charscalex100 (1,404,221)\tab \up0 \expndtw
-1\charscalex100 1,262,402\tab \up0 \expndtw-1\charscalex100 140,264\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx8973\tx10157\tx11237 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 345,904\tab \up0 \
expndtw-1\charscalex100 166,780\tab \up0 \expndtw-1\charscalex100 1,208,532\tab
\up0 \expndtw-1\charscalex100 623,446\tab \up0 \expndtw-1\charscalex100 778,031\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx8973\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 384,5
02\tab \up0 \expndtw-1\charscalex100 776,959\tab \up0 \expndtw-1\charscalex100 1
,077,054\tab \up0 \expndtw-1\charscalex100 3,250,790\tab \up0 \expndtw-1\charsca
lex100 3,902,702\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx8973\t
x10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Adm
inistrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 383,529\tab \up0 \expndtw-1\charscalex100 774,742\tab \up0 \expndtw-1\chars
calex100 1,064,723\tab \up0 \expndtw-1\charscalex100 2,790,634\tab \up0 \expndtw
-1\charscalex100 3,855,690\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx795
0\tx8924\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 326,918\tab \up0 \expndtw-1\charscalex100 (347,274)\tab \up
0 \expndtw-1\charscalex100 (2,285,586)\tab \up0 \expndtw-1\charscalex100 (3,889,
746)\tab \up0 \expndtw-1\charscalex100 (2,984,407)\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6917\tx7950\tx8924\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 230,165\tab \up0 \expndtw-1\charsca
lex100 (191,408)\tab \up0 \expndtw-1\charscalex100 (2,066,790)\tab \up0 \expndtw
-1\charscalex100 (3,032,144)\tab \up0 \expndtw-1\charscalex100 (1,510,339)\par\p
ard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6917\tx79
97\tx9077\tx10157\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 450,000\tab \up0 \expndtw-1\charscalex100 500,000\tab \up0 \expnd
tw-1\charscalex100 500,000\tab \up0 \expndtw-1\charscalex100 725,066\tab \up0 \e
xpndtw-1\charscalex100 1,077,980\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008
\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha

rscalex100 0.20%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\t
x10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Sto
ck dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7893\tx8973\tx1
0053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash
generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 768,996\tab \up0 \expndtw-1\charscalex100 1,156,154\tab \up0
\expndtw-1\charscalex100 8,975,769\tab \up0 \expndtw-1\charscalex100 4,361,206\
tab \up0 \expndtw-1\charscalex100 8,335,700\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 2,387,362\tab \up0 \expndtw-1\charscalex100
25,857,630\tab \up0 \expndtw-1\charscalex100 35,826,776\tab \up0 \expndtw-1\char
scalex100 45,997,746\tab \up0 \expndtw-1\charscalex100 45,997,746\par\pard\li900
\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0
\fi194\tx6977\tx8057\tx9137\tx10217\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 59.16%\tab \up0 \expndtw-1\charscalex100 35.85%\t
ab \up0 \expndtw-1\charscalex100 18.11%\tab \up0 \expndtw-1\charscalex100 13.70%
\tab \up0 \expndtw-1\charscalex100 5.33%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.02%\tab \up0 \expndtw-1\charscalex
100 3.57%\tab \up0 \expndtw-1\charscalex100 1.67%\tab \up0 \expndtw-1\charscalex
100 1.34%\tab \up0 \expndtw-1\charscalex100 0.42%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7143\tx8159\tx9239\tx10319\tx11399 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.04\tab \up0 \expndtw-1\charscalex
100 -0.03\tab \up0 \expndtw-1\charscalex100 -0.51\tab \up0 \expndtw-1\charscalex
100 -0.87\tab \up0 \expndtw-1\charscalex100 -0.28\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7037\tx8055\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.27%\tab \up0 \expndtw-1\charscale
x100 -0.77%\tab \up0 \expndtw-1\charscalex100 -5.41%\tab \up0 \expndtw-1\charsca
lex100 -4.20%\tab \up0 \expndtw-1\charscalex100 -1.26%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets
(D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.91%\t
ab \up0 \expndtw-1\charscalex100 0.67%\tab \up0 \expndtw-1\charscalex100 3.17%\t
ab \up0 \expndtw-1\charscalex100 0.86%\tab \up0 \expndtw-1\charscalex100 0.65%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9135\tx10277\tx11357 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest
income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 2.02%\tab \up0 \expndtw-1\charscalex100 1.06%\tab \up
0 \expndtw-1\charscalex100 -3.68%\tab \up0 \expndtw-1\charscalex100 1.75%\tab \u
p0 \expndtw-1\charscalex100 0.12%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx697
7\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40.84%\tab \up0 \expnd
tw-1\charscalex100 64.15%\tab \up0 \expndtw-1\charscalex100 81.89%\tab \up0 \exp
ndtw-1\charscalex100 86.30%\tab \up0 \expndtw-1\charscalex100 94.67%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10319\tx11399 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before
tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1.17\tab \up0 \expndtw-1\charscalex100 -2.23\tab \up0 \expndtw-1\charscale
x100 -0.47\tab \up0 \expndtw-1\charscalex100 -0.72\tab \up0 \expndtw-1\charscale
x100 -1.29\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217

\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-marku

p/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 39.90%\tab \up0 \expndtw-1\charscalex100 29.44%\
tab \up0 \expndtw-1\charscalex100 22.80%\tab \up0 \expndtw-1\charscalex100 42.26
%\tab \up0 \expndtw-1\charscalex100 37.86%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (
times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.11\tab
\up0 \expndtw-1\charscalex100 4.65\tab \up0 \expndtw-1\charscalex100 0.88\tab \u
p0 \expndtw-1\charscalex100 4.48\tab \up0 \expndtw-1\charscalex100 4.96\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10319\tx11399 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.51\tab \up0 \e
xpndtw-1\charscalex100 -0.38\tab \up0 \expndtw-1\charscalex100 -4.13\tab \up0 \e
xpndtw-1\charscalex100 -4.18\tab \up0 \expndtw-1\charscalex100 -1.40\par\pard\li
900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx811
7\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 4.45%\tab \up0 \expndtw-1\charscalex100
5.71%\tab \up0 \expndtw-1\charscalex100 6.94%\tab \up0 \expndtw-1\charscalex100
6.13%\tab \up0 \expndtw-1\charscalex100 6.31%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 29.85%\tab \up0 \expndtw-1\charscale
x100 20.54%\tab \up0 \expndtw-1\charscalex100 32.60%\tab \up0 \expndtw-1\charsca
lex100 28.00%\tab \up0 \expndtw-1\charscalex100 30.19%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C
8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.31%\tab
\up0 \expndtw-1\charscalex100 63.54%\tab \up0 \expndtw-1\charscalex100 48.47%\ta
b \up0 \expndtw-1\charscalex100 53.71%\tab \up0 \expndtw-1\charscalex100 47.89%\
par\pard\li900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn
3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total ass
ets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 52.23
%\tab \up0 \expndtw-1\charscalex100 66.99%\tab \up0 \expndtw-1\charscalex100 82.
01%\tab \up0 \expndtw-1\charscalex100 85.28%\tab \up0 \expndtw-1\charscalex100 7
4.88%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx112
97 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabiliti
es to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 65.22%\tab \up0 \expndtw-1\charscalex100 76.53%\tab \up0 \expndtw-1\cha
rscalex100 89.38%\tab \up0 \expndtw-1\charscalex100 95.46%\tab \up0 \expndtw-1\c
harscalex100 94.86%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx913
7\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.
Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 86.19%\tab \up0 \expndtw-1\charscalex100 99.36%\tab \up0 \exp
ndtw-1\charscalex100 67.31%\tab \up0 \expndtw-1\charscalex100 72.28%\tab \up0 \e
xpndtw-1\charscalex100 76.31%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx
8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 72.75%\tab \up0 \expndtw-1\charscalex
100 89.31%\tab \up0 \expndtw-1\charscalex100 64.12%\tab \up0 \expndtw-1\charscal
ex100 66.59%\tab \up0 \expndtw-1\charscalex100 63.21%\par\pard\li900\sb15\sl-184
\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Asse
ts quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\t
x10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non
-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 1.57%\tab \up0 \expndtw-1\charscalex100 4.55%\tab \up
0 \expndtw-1\charscalex100 12.19%\tab \up0 \expndtw-1\charscalex100 25.62%\tab \
up0 \expndtw-1\charscalex100 32.78%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7

304\tx8384\tx9464\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\

cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \expn
dtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12
.87%\tab \up0 \expndtw-1\charscalex100 16.19%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7037\tx8057\tx9137\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.03%\tab \up0 \expndtw-1\charscale
x100 12.26%\tab \up0 \expndtw-1\charscalex100 63.16%\tab \up0 \expndtw-1\charsca
lex100 326.10%\tab \up0 \expndtw-1\charscalex100 412.50%\par\pard\li900\sb19\sl161\slmult0\fi194\tx7037\tx8057\tx9137\tx10217\tx11357 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \e
xpndtw-1\charscalex100 82.91%\tab \up0 \expndtw-1\charscalex100 79.46%\tab \up0
\expndtw-1\charscalex100 38.97%\tab \up0 \expndtw-1\charscalex100 3.32%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10217\tx11297 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPL
s (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100.00
%\tab \up0 \expndtw-1\charscalex100 100.00%\tab \up0 \expndtw-1\charscalex100 10
0.00%\tab \up0 \expndtw-1\charscalex100 50.24%\tab \up0 \expndtw-1\charscalex100
49.37%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161
\slmult0\fi194\tx6977\tx8057\tx9137\tx10277\tx11357 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 34.90%\tab \up0 \expndtw-1\charscalex100 2
4.73%\tab \up0 \expndtw-1\charscalex100 10.65%\tab \up0 \expndtw-1\charscalex100
4.84%\tab \up0 \expndtw-1\charscalex100 4.54%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7143\tx8223\tx9303\tx10323\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (t
imes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.38\tab \
up0 \expndtw-1\charscalex100 4.22\tab \up0 \expndtw-1\charscalex100 8.81\tab \up
0 \expndtw-1\charscalex100 13.16\tab \up0 \expndtw-1\charscalex100 8.46\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11463 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/
E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14.05\tab \u
p0 \expndtw-1\charscalex100 12.27\tab \up0 \expndtw-1\charscalex100 8.13\tab \up
0 \expndtw-1\charscalex100 4.82\tab \up0 \expndtw-1\charscalex100 5.04\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10323\tx11403 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity
(B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.50\tab \up0 \expndtw-1\charscalex100 2.71\tab \up0 \expndtw-1\charscalex100 7.
70\tab \up0 \expndtw-1\charscalex100 17.61\tab \up0 \expndtw-1\charscalex100 16.
49\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\t
x7143\tx8159\tx9239\tx10319\tx11399 \dn2 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Cash generated from opration activities to profit after tax (E
4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3
.34\tab \up0 \expndtw-1\charscalex100 -6.04\tab \up0 \expndtw-1\charscalex100 -4
.34\tab \up0 \expndtw-1\charscalex100 -1.44\tab \up0 \expndtw-1\charscalex100 -5
.52\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult
0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 56
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g65}{\bkmkend Pg65}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 UNITED BANK LIMITED\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\
tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34
,009,411\tab \up0 \expndtw-1\charscalex100 45,076,576\tab \up0 \expndtw-1\charsc
alex100 55,914,736\tab \up0 \expndtw-1\charscalex100 63,919,969\tab \up0 \expndt
w-1\charscalex100 73,945,411\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx78
33\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 8,093,750\tab \up0 \expndtw-1\charscalex100 10,117,188\tab \up0 \expndtw-1\
charscalex100 11,128,907\tab \up0 \expndtw-1\charscalex100 12,241,798\tab \up0 \
expndtw-1\charscalex100 12,241,798\par\pard\li900\sb19\sl-161\slmult0\fi194\tx67
53\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 10,261,958\tab \up0 \expndtw-1\charscalex100 17,256,061\tab \up0 \expndtw
-1\charscalex100 21,167,954\tab \up0 \expndtw-1\charscalex100 24,101,838\tab \up
0 \expndtw-1\charscalex100 27,495,959\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 15,653,703\tab \up0 \expndtw-1\charscalex100 17,703,327\
tab \up0 \expndtw-1\charscalex100 23,617,875\tab \up0 \expndtw-1\charscalex100 2
7,576,333\tab \up0 \expndtw-1\charscalex100 34,207,654\par\pard\li900\sb19\sl-16

1\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex10

0 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 8,411,993\tab \up0 \expndtw-1\charscalex100 4,319,088\t
ab \up0 \expndtw-1\charscalex100 11,403,627\tab \up0 \expndtw-1\charscalex100 11
,214,211\tab \up0 \expndtw-1\charscalex100 11,975,235\par\pard\li900\sb39\sl-155
\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 487,862,552\tab \up0 \expndtw-1\char
scalex100 571,311,725\tab \up0 \expndtw-1\charscalex100 573,103,548\tab \up0 \ex
pndtw-1\charscalex100 651,288,371\tab \up0 \expndtw-1\charscalex100 721,284,142\
par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,079,341\tab \up0 \exp
ndtw-1\charscalex100 5,210,870\tab \up0 \expndtw-1\charscalex100 5,166,361\tab \
up0 \expndtw-1\charscalex100 5,074,700\tab \up0 \expndtw-1\charscalex100 5,879,0
43\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from fi
nancial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 59,103,350\tab \up0 \expndtw-1\charscalex100 44,749,690\tab \up0 \expndtw-1
\charscalex100 37,168,277\tab \up0 \expndtw-1\charscalex100 47,631,814\tab \up0
\expndtw-1\charscalex100 50,845,877\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 401,637,816\tab \up0 \expndtw-1\charscalex100 492,267
,898\tab \up0 \expndtw-1\charscalex100 503,831,672\tab \up0 \expndtw-1\charscale
x100 567,611,258\tab \up0 \expndtw-1\charscalex100 633,889,416\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,042,045\tab \up0 \expndtw-1
\charscalex100 29,083,267\tab \up0 \expndtw-1\charscalex100 26,937,238\tab \up0
\expndtw-1\charscalex100 30,970,599\tab \up0 \expndtw-1\charscalex100 30,669,806
\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn
3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C
4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5
30,283,956\tab \up0 \expndtw-1\charscalex100 620,707,389\tab \up0 \expndtw-1\cha
rscalex100 640,421,911\tab \up0 \expndtw-1\charscalex100 726,422,551\tab \up0 \e
xpndtw-1\charscalex100 807,204,788\par\pard\li900\sb6\sl-161\slmult0\fi194\tx675
3\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 57,526,451\tab \up0 \expndtw-1\charscalex100
50,143,570\tab \up0 \expndtw-1\charscalex100 61,562,141\tab \up0 \expndtw-1\char
scalex100 67,667,226\tab \up0 \expndtw-1\charscalex100 86,502,444\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,191,128\tab \up0 \expnd
tw-1\charscalex100 14,540,306\tab \up0 \expndtw-1\charscalex100 14,049,990\tab \
up0 \expndtw-1\charscalex100 26,430,928\tab \up0 \expndtw-1\charscalex100 19,225
,488\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx1113
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to finan
cial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 24,781,723\tab \up0 \expndtw-1\charscalex100 22,805,341\tab \up0 \expndtw-1\ch
arscalex100 23,162,130\tab \up0 \expndtw-1\charscalex100 11,934,778\tab \up0 \ex
pndtw-1\charscalex100 9,536,211\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\
tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 115,585,646\tab \up0 \expndtw-1\charscalex100 115,057,090\tab \up0 \expnd
tw-1\charscalex100 137,734,578\tab \up0 \expndtw-1\charscalex100 231,717,214\tab
\up0 \expndtw-1\charscalex100 301,106,877\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6678\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosup
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ab \up0 \expndtw-1\charscalex100 390,493,953\tab \up0 \expndtw-1\charscalex100 3
76,480,024\tab \up0 \expndtw-1\charscalex100 382,115,775\par\pard\li900\sb19\sl161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,012,411\tab \up0 \expn
dtw-1\charscalex100 28,552,722\tab \up0 \expndtw-1\charscalex100 40,065,237\tab
\up0 \expndtw-1\charscalex100 51,144,170\tab \up0 \expndtw-1\charscalex100 39,96
7,562\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx110
73 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision again
st advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,35
2,028\tab \up0 \expndtw-1\charscalex100 19,791,080\tab \up0 \expndtw-1\charscale
x100 28,414,357\tab \up0 \expndtw-1\charscalex100 34,969,612\tab \up0 \expndtw-1
\charscalex100 40,976,256\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758
\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 293,373,007\tab \up0 \expndtw-1\charscalex100 377,945,366
\tab \up0 \expndtw-1\charscalex100 362,079,596\tab \up0 \expndtw-1\charscalex100
341,510,412\tab \up0 \expndtw-1\charscalex100 341,139,519\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 16,918,844\tab \up0 \expndtw-1\charscalex100
19,926,915\tab \up0 \expndtw-1\charscalex100 23,734,082\tab \up0 \expndtw-1\char
scalex100 24,684,566\tab \up0 \expndtw-1\charscalex100 25,722,481\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,907,157\tab \up0 \expndtw-1\
charscalex100 20,288,801\tab \up0 \expndtw-1\charscalex100 18,099,394\tab \up0 \
expndtw-1\charscalex100 22,477,427\tab \up0 \expndtw-1\charscalex100 23,971,768\
par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi
194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 41,045,543\tab \up0 \expndtw-1\charscalex100 52,763
,249\tab \up0 \expndtw-1\charscalex100 61,745,462\tab \up0 \expndtw-1\charscalex
100 60,046,011\tab \up0 \expndtw-1\charscalex100 71,374,143\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,936,187\tab \up0 \expndtw-1
\charscalex100 24,247,281\tab \up0 \expndtw-1\charscalex100 28,323,272\tab \up0
\expndtw-1\charscalex100 25,207,785\tab \up0 \expndtw-1\charscalex100 31,339,401
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \d
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income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,109,
356\tab \up0 \expndtw-1\charscalex100 28,515,968\tab \up0 \expndtw-1\charscalex1
00 33,422,190\tab \up0 \expndtw-1\charscalex100 34,838,226\tab \up0 \expndtw-1\c
harscalex100 40,034,742\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\t
x8913\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 6,422,046\tab \up0 \expndtw-1\charscalex100 7,753,688\tab \up0 \ex
pndtw-1\charscalex100 12,879,215\tab \up0 \expndtw-1\charscalex100 8,150,258\tab
\up0 \expndtw-1\charscalex100 7,293,828\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,687,310\tab \up0 \expndtw-1
\charscalex100 20,762,280\tab \up0 \expndtw-1\charscalex100 20,542,975\tab \up0
\expndtw-1\charscalex100 26,687,968\tab \up0 \expndtw-1\charscalex100 32,740,914
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx9993\tx11073 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,992,3

51\tab \up0 \expndtw-1\charscalex100 11,199,152\tab \up0 \expndtw-1\charscalex10

0 12,070,500\tab \up0 \expndtw-1\charscalex100 10,584,485\tab \up0 \expndtw-1\ch
arscalex100 13,228,036\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx
8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 13,674,688\tab \up0 \expndtw-1\charscalex100 17,780,935\tab \up
0 \expndtw-1\charscalex100 18,911,237\tab \up0 \expndtw-1\charscalex100 19,861,1
94\tab \up0 \expndtw-1\charscalex100 22,078,608\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 13,420,977\tab \up0 \expndtw-1\charscalex100
16,679,968\tab \up0 \expndtw-1\charscalex100 17,803,338\tab \up0 \expndtw-1\char
scalex100 19,137,857\tab \up0 \expndtw-1\charscalex100 21,232,844\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,004,973\tab \up0 \
expndtw-1\charscalex100 14,052,051\tab \up0 \expndtw-1\charscalex100 14,392,181\
tab \up0 \expndtw-1\charscalex100 17,688,623\tab \up0 \expndtw-1\charscalex100 2
3,633,636\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\tx9993\t
x11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(lo
ss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 12,429,853\tab \up0 \expndtw-1\charscalex100 8,445,251\tab \up0 \expndtw-1\ch
arscalex100 9,487,952\tab \up0 \expndtw-1\charscalex100 11,020,925\tab \up0 \exp
ndtw-1\charscalex100 14,887,113\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900
\sb1\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 809,375\tab \up0 \expndtw-1\
charscalex100 1,011,718\tab \up0 \expndtw-1\charscalex100 1,112,891\tab \up0 \ex
pndtw-1\charscalex100 1,224,180\tab \up0 \expndtw-1\charscalex100 1,224,180\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8013\tx9093\tx10248\tx11328 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.30%\tab \up0 \expndtw-1\
charscalex100 25.00%\tab \up0 \expndtw-1\charscalex100 25.00%\tab \up0 \expndtw1\charscalex100 0.50%\tab \up0 \expndtw-1\charscalex100 0.75%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7008\tx8013\tx9093\tx10248\tx11328 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.25%\tab \up0 \expndtw-1\
charscalex100 10.00%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \expndtw1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx9918\tx10998 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activitie
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49,886,356\tab
\up0 \expndtw-1\charscalex100 1,025,033\tab \up0 \expndtw-1\charscalex100 27,08
4,242\tab \up0 \expndtw-1\charscalex100 105,607,607\tab \up0 \expndtw-1\charscal
ex100 103,753,446\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7833\tx8838\
tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Com
mitments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 423,297,850\tab \up0 \expndtw-1\charscalex100 48,668,314\tab \up0 \exp
ndtw-1\charscalex100 450,962,490\tab \up0 \expndtw-1\charscalex100 269,878,986\t
ab \up0 \expndtw-1\charscalex100 261,653,953\par\pard\li900\sb14\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ra
tios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 58.74%\tab \up0 \expndtw-1\charscalex100 54.05%\tab \up0 \expndtw-1\ch
arscalex100 54.13%\tab \up0 \expndtw-1\charscalex100 58.02%\tab \up0 \expndtw-1\
charscalex100 56.09%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx91
98\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\n

osupersub\cf56\f57\fs12 4.55%\tab \up0 \expndtw-1\charscalex100 4.59%\tab \up0 \

expndtw-1\charscalex100 5.22%\tab \up0 \expndtw-1\charscalex100 4.80%\tab \up0 \
expndtw-1\charscalex100 4.96%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx
8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.37\tab \up0 \expndtw-1\charscalex100 0.19\tab \up0 \e
xpndtw-1\charscalex100 0.17\tab \up0 \expndtw-1\charscalex100 0.17\tab \up0 \exp
ndtw-1\charscalex100 0.20\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2.34%\tab \up0 \expndtw-1\charscalex100 1.36%\tab \up0 \exp
ndtw-1\charscalex100 1.48%\tab \up0 \expndtw-1\charscalex100 1.52%\tab \up0 \exp
ndtw-1\charscalex100 1.84%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx811
8\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.70%\tab \up0 \expndtw-1\charscale
x100 1.80%\tab \up0 \expndtw-1\charscalex100 1.88%\tab \up0 \expndtw-1\charscale
x100 1.46%\tab \up0 \expndtw-1\charscalex100 1.64%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to tota
l assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3
.34%\tab \up0 \expndtw-1\charscalex100 3.34%\tab \up0 \expndtw-1\charscalex100 3
.21%\tab \up0 \expndtw-1\charscalex100 3.67%\tab \up0 \expndtw-1\charscalex100 4
.06%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest
expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 41.26%\tab \up0 \expndtw-1\charscalex100 45.95%\tab
\up0 \expndtw-1\charscalex100 45.87%\tab \up0 \expndtw-1\charscalex100 41.98%\t
ab \up0 \expndtw-1\charscalex100 43.91%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.03\tab \up0 \expndtw1\charscalex100 1.19\tab \up0 \expndtw-1\charscalex100 1.24\tab \up0 \expndtw-1\
charscalex100 1.08\tab \up0 \expndtw-1\charscalex100 0.90\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to total inc
ome D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
7.33%\tab \up0 \expndtw-1\charscalex100 27.80%\tab \up0 \expndtw-1\charscalex100
25.62%\tab \up0 \expndtw-1\charscalex100 28.12%\tab \up0 \expndtw-1\charscalex1
00 26.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\
tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. ex
pense to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 1.49\tab \up0 \expndtw-1\charscalex100 1.4
9\tab \up0 \expndtw-1\charscalex100 1.47\tab \up0 \expndtw-1\charscalex100 1.81\
tab \up0 \expndtw-1\charscalex100 1.61\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7083\tx8223\tx9303\tx10383\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 15.36\tab \up0 \expndtw-1\charscalex100 8.35\tab
\up0 \expndtw-1\charscalex100 8.53\tab \up0 \expndtw-1\charscalex100 9.00\tab \u
p0 \expndtw-1\charscalex100 12.16\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\par
d\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to to
tal assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 11.64%\tab \up0 \expndtw-1\charscalex100 10.42%\tab \up0 \expndtw-1\charsca
lex100 11.81%\tab \up0 \expndtw-1\charscalex100 12.95%\tab \up0 \expndtw-1\chars
calex100 13.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Inve
stment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 21.80%\tab \up0 \expndtw-1\charscalex100 18.54%\tab \up0 \expndtw-

1\charscalex100 21.51%\tab \up0 \expndtw-1\charscalex100 31.90%\tab \up0 \expndt

w-1\charscalex100 37.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 55.32%\tab \up0 \expndtw-1\charscalex100
60.89%\tab \up0 \expndtw-1\charscalex100 56.54%\tab \up0 \expndtw-1\charscalex10
0 47.01%\tab \up0 \expndtw-1\charscalex100 42.26%\par\pard\li900\sb39\sl-155\slm
ult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.74%\tab \up0 \expndtw-1\charscal
ex100 79.31%\tab \up0 \expndtw-1\charscalex100 78.67%\tab \up0 \expndtw-1\charsc
alex100 78.14%\tab \up0 \expndtw-1\charscalex100 78.53%\par\pard\li900\sb6\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 92.00%\tab \up0 \expn
dtw-1\charscalex100 92.04%\tab \up0 \expndtw-1\charscalex100 89.49%\tab \up0 \ex
pndtw-1\charscalex100 89.66%\tab \up0 \expndtw-1\charscalex100 89.36%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5
/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73.38%\tab
\up0 \expndtw-1\charscalex100 80.80%\tab \up0 \expndtw-1\charscalex100 77.50%\ta
b \up0 \expndtw-1\charscalex100 66.33%\tab \up0 \expndtw-1\charscalex100 60.28%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to bo
rrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 63.97%\tab \up0 \expndtw-1\charscalex100 74.06%\tab \up0 \expndtw-1
\charscalex100 72.18%\tab \up0 \expndtw-1\charscalex100 61.19%\tab \up0 \expndtw
-1\charscalex100 55.80%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li9
00\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross adva
nces (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.4
7%\tab \up0 \expndtw-1\charscalex100 7.18%\tab \up0 \expndtw-1\charscalex100 10.
26%\tab \up0 \expndtw-1\charscalex100 13.58%\tab \up0 \expndtw-1\charscalex100 1
0.46%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9198\tx10278\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions aga
inst NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 7.28%\tab \up0 \expndtw-1\charscalex100 9.29%\tab \up0 \expndtw-1\ch
arscalex100 10.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.N
PLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 64.72%\tab \up0 \expndtw-1\charscalex100 63.34%\tab \up0 \expn
dtw-1\charscalex100 71.65%\tab \up0 \expndtw-1\charscalex100 80.01%\tab \up0 \ex
pndtw-1\charscalex100 54.05%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 474.99%\tab \up0 \expndtw-1\charscalex100 39.
18%\tab \up0 \expndtw-1\charscalex100 45.33%\tab \up0 \expndtw-1\charscalex100 2
3.31%\tab \up0 \expndtw-1\charscalex100 17.80%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7038\tx8058\tx9138\tx10218\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.14%\tab \up0 \expndtw-1\chars
calex100 69.31%\tab \up0 \expndtw-1\charscalex100 70.92%\tab \up0 \expndtw-1\cha
rscalex100 68.37%\tab \up0 \expndtw-1\charscalex100 102.52%\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 6.41%\tab \up0 \expndtw-1\charscalex100 7.26%\tab \up0 \expndtw-1\char

scalex100 8.73%\tab \up0 \expndtw-1\charscalex100 8.80%\tab \up0 \expndtw-1\char

scalex100 9.16%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Comm
itments & contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 12.45\tab \up0 \expndtw-1\charscalex100 1
.08\tab \up0 \expndtw-1\charscalex100 8.07\tab \up0 \expndtw-1\charscalex100 4.2
2\tab \up0 \expndtw-1\charscalex100 3.54\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 42.02\tab \up0 \expndtw-1\charscalex100 44.
55\tab \up0 \expndtw-1\charscalex100 50.24\tab \up0 \expndtw-1\charscalex100 52.
21\tab \up0 \expndtw-1\charscalex100 60.40\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7083\tx8163\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.81\tab \up0 \expndtw-1\ch
arscalex100 10.92\tab \up0 \expndtw-1\charscalex100 9.01\tab \up0 \expndtw-1\cha
rscalex100 8.88\tab \up0 \expndtw-1\charscalex100 8.57\par\pard\ql \li944\sb7\sl
-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash
flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9303\tx10383\
tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash gener
ated from opration activities to profit after tax (E4/D10) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.01\tab \up0 \expndtw-1\char
scalex100 0.12\tab \up0 \expndtw-1\charscalex100 2.85\tab \up0 \expndtw-1\charsc
alex100 9.58\tab \up0 \expndtw-1\charscalex100 6.97\par\pard\ql \li6089\sb0\sl-1
61\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161
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pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 Specialized Banks - Overall\tab \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\s
lmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupe
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\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6764\tx7844\tx8924
\tx10004\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.T
otal equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 (9,964,857)\tab \up0 \expndtw-1\charscalex100 (7,631,049)\tab \up0 \expnd
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\up0 \expndtw-1\charscalex100 3,400,433\par\pard\li900\sb0\sl-161\slmult0\fi194
\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
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0 \expndtw-1\charscalex100 15,506,595\tab \up0 \expndtw-1\charscalex100 15,507,0
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\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 1,886,642\tab \up0 \expndtw-1\charscalex100 2,438,371\tab \
up0 \expndtw-1\charscalex100 2,474,080\tab \up0 \expndtw-1\charscalex100 5,667,4
12\tab \up0 \expndtw-1\charscalex100 9,401,686\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6704\tx7784\tx8864\tx9944\tx11024 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 (26,700,969)\tab \up0 \expndtw-1\charscalex100
(25,575,523)\tab \up0 \expndtw-1\charscalex100 (26,382,577)\tab \up0 \expndtw-1\
charscalex100 (23,532,071)\tab \up0 \expndtw-1\charscalex100 (21,508,785)\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,045,550\tab \up0 \expndtw-1\chars
calex100 3,494,010\tab \up0 \expndtw-1\charscalex100 3,667,038\tab \up0 \expndtw
-1\charscalex100 4,112,638\tab \up0 \expndtw-1\charscalex100 4,722,128\par\pard\
li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw
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\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 133,987,153\tab \up
0 \expndtw-1\charscalex100 134,345,948\tab \up0 \expndtw-1\charscalex100 134,175
,343\tab \up0 \expndtw-1\charscalex100 142,867,257\tab \up0 \expndtw-1\charscale
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10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bill
s payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 497,58
2\tab \up0 \expndtw-1\charscalex100 755,721\tab \up0 \expndtw-1\charscalex100 75
0,837\tab \up0 \expndtw-1\charscalex100 382,039\tab \up0 \expndtw-1\charscalex10
0 424,070\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\t
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from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 87,339,121\tab \up0 \expndtw-1\charscalex100 83,318,134\tab \up0 \ex
pndtw-1\charscalex100 83,291,453\tab \up0 \expndtw-1\charscalex100 80,411,173\ta
b \up0 \expndtw-1\charscalex100 77,927,198\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosup
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100 \ul0\nosupersub\cf56\f57\fs12 14,320,029\tab \up0 \expndtw-1\charscalex100 1
3,883,492\tab \up0 \expndtw-1\charscalex100 13,993,545\tab \up0 \expndtw-1\chars

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sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31,830,421\tab \up0 \expndtw
-1\charscalex100 36,388,601\tab \up0 \expndtw-1\charscalex100 36,139,508\tab \up
0 \expndtw-1\charscalex100 42,685,419\tab \up0 \expndtw-1\charscalex100 45,575,7
12\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \
dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to
C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
127,067,846\tab \up0 \expndtw-1\charscalex100 130,208,909\tab \up0 \expndtw-1\c
harscalex100 129,440,479\tab \up0 \expndtw-1\charscalex100 144,622,244\tab \up0
\expndtw-1\charscalex100 149,728,811\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6
813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 3,363,036\tab \up0 \expndtw-1\charscalex10
0 2,840,235\tab \up0 \expndtw-1\charscalex100 2,732,123\tab \up0 \expndtw-1\char
scalex100 3,938,119\tab \up0 \expndtw-1\charscalex100 3,877,585\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,720,977\tab \up0 \expndt
w-1\charscalex100 18,315,949\tab \up0 \expndtw-1\charscalex100 18,153,423\tab \u
p0 \expndtw-1\charscalex100 12,711,768\tab \up0 \expndtw-1\charscalex100 13,369,
905\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10158\tx1123
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to finan
cial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,883,944\tab \up0 \expndtw-1\charscalex100 700,000\tab \up0 \expndtw-1\charsc
alex100 514,714\tab \up0 \expndtw-1\charscalex100 108,802\tab \up0 \expndtw-1\ch
arscalex100 875,567\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx891
3\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.I
nvestments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,82
6,210\tab \up0 \expndtw-1\charscalex100 12,046,115\tab \up0 \expndtw-1\charscale
x100 11,287,064\tab \up0 \expndtw-1\charscalex100 14,337,679\tab \up0 \expndtw-1
\charscalex100 19,444,243\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758
\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 94,973,890\tab \up0 \expndtw-1\charscalex100 101,188,798\tab \up0 \expndtw-1
\charscalex100 101,603,284\tab \up0 \expndtw-1\charscalex100 114,863,661\tab \up
0 \expndtw-1\charscalex100 114,608,118\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 31,305,432\tab \up0 \expndtw-1\charscalex10
0 22,710,747\tab \up0 \expndtw-1\charscalex100 29,549,247\tab \up0 \expndtw-1\ch
arscalex100 32,828,790\tab \up0 \expndtw-1\charscalex100 34,587,578\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,332,219\tab \up0 \e
xpndtw-1\charscalex100 21,074,895\tab \up0 \expndtw-1\charscalex100 20,845,933\t
ab \up0 \expndtw-1\charscalex100 20,875,323\tab \up0 \expndtw-1\charscalex100 20
,393,167\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx
11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net
of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 72,641,671\tab \up0 \expndtw-1\charscalex100 80,113,903\tab \up0 \expndtw1\charscalex100 80,757,351\tab \up0 \expndtw-1\charscalex100 93,988,338\tab \up0
\expndtw-1\charscalex100 94,214,951\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 3,710,874\tab \up0 \expndtw-1\charscalex100 5,106,662\tab \up0 \ex
pndtw-1\charscalex100 5,092,505\tab \up0 \expndtw-1\charscalex100 5,088,581\tab
\up0 \expndtw-1\charscalex100 5,098,297\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers

ub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\no

supersub\cf56\f57\fs12 11,921,134\tab \up0 \expndtw-1\charscalex100 11,086,045\t
ab \up0 \expndtw-1\charscalex100 10,903,299\tab \up0 \expndtw-1\charscalex100 14
,448,957\tab \up0 \expndtw-1\charscalex100 12,848,263\par\pard\li900\sb14\sl-184
\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Prof
it & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\t
x9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Mark
up/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 9,690,208\tab \up0 \expndtw-1\charscalex100 10,686,103\tab \up0 \expndtw-1\ch
arscalex100 10,961,387\tab \up0 \expndtw-1\charscalex100 11,382,350\tab \up0 \ex
pndtw-1\charscalex100 12,186,304\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813
\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 4,994,988\tab \up0 \expndtw-1\charscalex100 5,110,072\ta
b \up0 \expndtw-1\charscalex100 6,273,993\tab \up0 \expndtw-1\charscalex100 5,61
7,663\tab \up0 \expndtw-1\charscalex100 5,200,549\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 4,695,220\tab \up0 \expndtw-1\charsca
lex100 5,576,031\tab \up0 \expndtw-1\charscalex100 4,687,354\tab \up0 \expndtw-1
\charscalex100 5,814,687\tab \up0 \expndtw-1\charscalex100 7,558,555\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,569,978\tab \up0 \e
xpndtw-1\charscalex100 1,333,576\tab \up0 \expndtw-1\charscalex100 1,823,956\tab
\up0 \expndtw-1\charscalex100 1,756,218\tab \up0 \expndtw-1\charscalex100 853,1
40\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/intere
st income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1,199,164\tab \up0 \expndtw-1\charscalex100 3,031,251\tab \up0 \exp
ndtw-1\charscalex100 2,863,438\tab \up0 \expndtw-1\charscalex100 4,188,997\tab \
up0 \expndtw-1\charscalex100 6,474,415\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 6,257,647\tab \up0 \expndtw-1\charscalex100 6,36
3,253\tab \up0 \expndtw-1\charscalex100 6,310,426\tab \up0 \expndtw-1\charscalex
100 4,967,514\tab \up0 \expndtw-1\charscalex100 3,394,097\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,740,669\tab \up0 \expndtw
-1\charscalex100 6,819,291\tab \up0 \expndtw-1\charscalex100 6,912,356\tab \up0
\expndtw-1\charscalex100 6,693,127\tab \up0 \expndtw-1\charscalex100 6,302,529\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expens
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,842,387\tab
\up0 \expndtw-1\charscalex100 5,844,945\tab \up0 \expndtw-1\charscalex100 6,616
,341\tab \up0 \expndtw-1\charscalex100 6,684,865\tab \up0 \expndtw-1\charscalex1
00 6,125,243\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx100
53\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/
(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1,575,373\tab \up0 \expndtw-1\charscalex100 4,161,233\tab \up0 \expndtw-1
\charscalex100 3,131,648\tab \up0 \expndtw-1\charscalex100 2,463,384\tab \up0 \e
xpndtw-1\charscalex100 3,572,001\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918
\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 883,295\tab \up0 \expndtw-1\charscalex100 2,322,667\t
ab \up0 \expndtw-1\charscalex100 1,731,787\tab \up0 \expndtw-1\charscalex100 1,4
82,473\tab \up0 \expndtw-1\charscalex100 2,435,519\par\pard\li900\sb14\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other i
tems\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx1113

3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary

shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,432,084
\tab \up0 \expndtw-1\charscalex100 1,511,536\tab \up0 \expndtw-1\charscalex100 1
,511,541\tab \up0 \expndtw-1\charscalex100 1,497,415\tab \up0 \expndtw-1\charsca
lex100 1,497,421\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\t
x10440\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cas
h dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\t
ab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \
up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \exp
ndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw
-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7844\tx9090\tx10110\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,550,941\tab \u
p0 \expndtw-1\charscalex100 (2,141,072)\tab \up0 \expndtw-1\charscalex100 (34,77
1)\tab \up0 \expndtw-1\charscalex100 (220,985)\tab \up0 \expndtw-1\charscalex100
2,177,250\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\
tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitment
s and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 10,453,817\tab \up0 \expndtw-1\charscalex100 23,033,910\tab \up0 \expndtw-1\c
harscalex100 26,032,331\tab \up0 \expndtw-1\charscalex100 15,407,849\tab \up0 \e
xpndtw-1\charscalex100 14,728,671\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profit
ability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread
ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
8.45%\tab \up0 \expndtw-1\charscalex100 52.18%\tab \up0 \expndtw-1\charscalex100
42.76%\tab \up0 \expndtw-1\charscalex100 51.09%\tab \up0 \expndtw-1\charscalex1
00 62.02%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\
tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup
/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 3.70%\tab \up0 \expndtw-1\charscalex100 4.28%\tab \up0 \expndtw-1\c
harscalex100 3.62%\tab \up0 \expndtw-1\charscalex100 3.99%\tab \up0 \expndtw-1\c
harscalex100 4.67%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9240
\tx10320\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.R
eturn on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 -0.09\tab \up0 \expndtw-1\charscalex100 -0.30\tab \up0 \expndtw-1\
charscalex100 -0.21\tab \up0 \expndtw-1\charscalex100 -0.63\tab \up0 \expndtw-1\
charscalex100 0.72\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198
\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.R
eturn on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.70%\tab \up0 \expndtw-1\charscalex100 1.78%\tab \up0 \expndtw-1\
charscalex100 1.34%\tab \up0 \expndtw-1\charscalex100 1.03%\tab \up0 \expndtw-1\
charscalex100 1.63%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx919
8\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 4.92%\tab \up0 \expndtw-1\charscalex100 4.
89%\tab \up0 \expndtw-1\charscalex100 4.88%\tab \up0 \expndtw-1\charscalex100 3.
43%\tab \up0 \expndtw-1\charscalex100 2.27%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to total asset
s(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.94%\ta
b \up0 \expndtw-1\charscalex100 2.33%\tab \up0 \expndtw-1\charscalex100 2.21%\ta
b \up0 \expndtw-1\charscalex100 2.90%\tab \up0 \expndtw-1\charscalex100 4.32%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expens
e to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nos

upersub\cf56\f57\fs12 51.55%\tab \up0 \expndtw-1\charscalex100 47.82%\tab \up0 \

expndtw-1\charscalex100 57.24%\tab \up0 \expndtw-1\charscalex100 49.35%\tab \up0
\expndtw-1\charscalex100 42.68%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.71\tab \up0 \expndtw-1\chars
calex100 1.40\tab \up0 \expndtw-1\charscalex100 2.11\tab \up0 \expndtw-1\charsca
lex100 2.71\tab \up0 \expndtw-1\charscalex100 1.71\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/
(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 36.00%\t
ab \up0 \expndtw-1\charscalex100 40.00%\tab \up0 \expndtw-1\charscalex100 40.02%
\tab \up0 \expndtw-1\charscalex100 40.94%\tab \up0 \expndtw-1\charscalex100 40.4
5%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense t
o non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.93\tab \up0 \expndtw-1\charscalex100 0.92\tab \
up0 \expndtw-1\charscalex100 1.05\tab \up0 \expndtw-1\charscalex100 1.35\tab \up
0 \expndtw-1\charscalex100 1.80\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\
tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.62\tab \up0 \expndtw-1\charscalex100 1.54\tab \up0 \ex
pndtw-1\charscalex100 1.15\tab \up0 \expndtw-1\charscalex100 0.99\tab \up0 \expn
dtw-1\charscalex100 1.63\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\s
b0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total asset
s (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.5
9%\tab \up0 \expndtw-1\charscalex100 16.25%\tab \up0 \expndtw-1\charscalex100 16
.14%\tab \up0 \expndtw-1\charscalex100 11.51%\tab \up0 \expndtw-1\charscalex100
11.52%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10278\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to
total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 12.45%\tab \up0 \expndtw-1\charscalex100 9.25%\tab \up0 \expndtw-1\charscal
ex100 8.72%\tab \up0 \expndtw-1\charscalex100 9.91%\tab \up0 \expndtw-1\charscal
ex100 12.99%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advance
s net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 57.17%\tab \up0 \expndtw-1\charscalex100 61.53%\tab \
up0 \expndtw-1\charscalex100 62.39%\tab \up0 \expndtw-1\charscalex100 64.99%\tab
\up0 \expndtw-1\charscalex100 62.92%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx
6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 11.27%\tab \up0 \expndtw-1\charscalex100 10.66%
\tab \up0 \expndtw-1\charscalex100 10.81%\tab \up0 \expndtw-1\charscalex100 13.4
1%\tab \up0 \expndtw-1\charscalex100 11.81%\par\pard\li900\sb6\sl-161\slmult0\fi
194\tx6903\tx7983\tx9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 105.45%\tab \up0 \expndtw-1\chars
calex100 103.18%\tab \up0 \expndtw-1\charscalex100 103.66%\tab \up0 \expndtw-1\c
harscalex100 98.79%\tab \up0 \expndtw-1\charscalex100 94.58%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 663.22%\tab \up0 \ex
pndtw-1\charscalex100 728.84%\tab \up0 \expndtw-1\charscalex100 726.07%\tab \up0
\expndtw-1\charscalex100 592.43%\tab \up0 \expndtw-1\charscalex100 648.26%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9063\tx10143\tx11223 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrow
ing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 93.42%\tab \up0 \expndtw-1\charscalex100 104.10%\tab \up0 \expndtw-1\ch

arscalex100 104.44%\tab \up0 \expndtw-1\charscalex100 115.09%\tab \up0 \expndtw1\charscalex100 119.87%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li9
00\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross adva
nces (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 32.
96%\tab \up0 \expndtw-1\charscalex100 22.44%\tab \up0 \expndtw-1\charscalex100 2
9.08%\tab \up0 \expndtw-1\charscalex100 28.58%\tab \up0 \expndtw-1\charscalex100
30.18%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions a
gainst NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 20.52%\tab \up0 \expndtw-1\charscalex100 18.17%\tab \up0 \expndtw1\charscalex100 17.79%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6840\tx7920\tx
9000\tx9975\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 -314.16%\tab \up0 \expndtw-1\charscalex100 -297.61%\tab \up
0 \expndtw-1\charscalex100 -351.70%\tab \up0 \expndtw-1\charscalex100 -1,392.44%
\tab \up0 \expndtw-1\charscalex100 1,017.15%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6978\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.46%\tab \up0 \expndtw-1\ch
arscalex100 6.33%\tab \up0 \expndtw-1\charscalex100 8.75%\tab \up0 \expndtw-1\ch
arscalex100 8.41%\tab \up0 \expndtw-1\charscalex100 4.18%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.34%\tab \up0 \exp
ndtw-1\charscalex100 92.80%\tab \up0 \expndtw-1\charscalex100 70.55%\tab \up0 \e
xpndtw-1\charscalex100 63.59%\tab \up0 \expndtw-1\charscalex100 58.96%\par\pard\
li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx
6975\tx8055\tx9135\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 -7.84%\tab \up0 \expndtw-1\charscalex100 -5.86%\tab \up0 \e
xpndtw-1\charscalex100 -6.49%\tab \up0 \expndtw-1\charscalex100 -1.63%\tab \up0
\expndtw-1\charscalex100 2.27%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7080\t
x8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1.05\tab \up0 \expndtw-1\
charscalex100 -3.02\tab \up0 \expndtw-1\charscalex100 -3.10\tab \up0 \expndtw-1\
charscalex100 -6.54\tab \up0 \expndtw-1\charscalex100 4.33\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -6.96\tab \up0 \expndtw-1
\charscalex100 -5.05\tab \up0 \expndtw-1\charscalex100 -5.56\tab \up0 \expndtw-1
\charscalex100 -1.57\tab \up0 \expndtw-1\charscalex100 2.27\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7080\tx8160\tx9240\tx10320\tx11463 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (ti
mes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1.44\tab \
up0 \expndtw-1\charscalex100 -1.82\tab \up0 \expndtw-1\charscalex100 -1.67\tab \
up0 \expndtw-1\charscalex100 -8.22\tab \up0 \expndtw-1\charscalex100 5.20\par\pa
rd\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
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160\tx9240\tx10320\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Cash generated from opration activities to profit after tax (E4/D10) (t
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up0 \expndtw-1\charscalex100 -0.92\tab \up0 \expndtw-1\charscalex100 -0.02\tab \
up0 \expndtw-1\charscalex100 -0.15\tab \up0 \expndtw-1\charscalex100 0.89\par\pa
rd\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\par
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pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
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scalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex
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pndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expn
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x8864\tx9944\tx11024 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
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6\f57\fs12 (28,071,247)\tab \up0 \expndtw-1\charscalex100 (27,942,705)\tab \up0
\expndtw-1\charscalex100 (27,804,610)\tab \up0 \expndtw-1\charscalex100 (27,709,
145)\tab \up0 \expndtw-1\charscalex100 (27,673,517)\par\pard\li900\sb0\sl-161\sl
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pndtw-1\charscalex100 750,548\tab \up0 \expndtw-1\charscalex100 750,548\tab \up0
\expndtw-1\charscalex100 750,548\par\pard\li900\sb19\sl-161\slmult0\fi194\tx670
4\tx7784\tx8864\tx9944\tx11024 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 (28,978,795)\tab \up0 \expndtw-1\charscalex100 (28,850,253)\
tab \up0 \expndtw-1\charscalex100 (28,712,158)\tab \up0 \expndtw-1\charscalex100
(28,616,693)\tab \up0 \expndtw-1\charscalex100 (28,581,065)\par\pard\li900\sb19
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calex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 (48,313)\tab \up0 \expndtw-1\charscalex100 (252,
683)\tab \up0 \expndtw-1\charscalex100 (365,817)\tab \up0 \expndtw-1\charscalex1
00 (254,642)\tab \up0 \expndtw-1\charscalex100 (227,663)\par\pard\li900\sb39\sl155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw
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arscalex100 35,440,978\tab \up0 \expndtw-1\charscalex100 33,978,550\tab \up0 \ex
pndtw-1\charscalex100 33,121,740\tab \up0 \expndtw-1\charscalex100 33,045,645\pa
r\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
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\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,761\tab \up0 \expndtw1\charscalex100 29,471\tab \up0 \expndtw-1\charscalex100 38,612\tab \up0 \expndt
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,305,318\tab \up0 \expndtw-1\charscalex100 22,466,356\tab \up0 \expndtw-1\charsc
alex100 22,553,874\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973
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eposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 6,110,553\tab \up0 \expndtw-1\charscalex100 4,637,119\tab \up0 \expnd
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0 \expndtw-1\charscalex100 3,274,523\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
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28,104\tab \up0 \expndtw-1\charscalex100 7,197,152\par\pard\li900\sb39\sl-155\sl
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dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,424,715\tab \up0 \expndtw-1\
charscalex100 7,245,590\tab \up0 \expndtw-1\charscalex100 5,808,123\tab \up0 \ex
pndtw-1\charscalex100 5,157,953\tab \up0 \expndtw-1\charscalex100 5,144,465\par\
pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with tr
easury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 257
,632\tab \up0 \expndtw-1\charscalex100 212,428\tab \up0 \expndtw-1\charscalex100
183,885\tab \up0 \expndtw-1\charscalex100 150,299\tab \up0 \expndtw-1\charscale
x100 137,589\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balance
s with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 26,918\tab \up0 \expndtw-1\charscalex100 30,513\tab \up0 \expndtw-1\charscale
x100 50,313\tab \up0 \expndtw-1\charscalex100 64,681\tab \up0 \expndtw-1\charsca
lex100 59,750\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10
158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lendin
g to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,625,000\tab \up0 \expndtw-1\charscalex100 600,000\tab \up0 \expndt
w-1\charscalex100 481,269\tab \up0 \expndtw-1\charscalex100 108,802\tab \up0 \ex

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893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
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harscalex100 3,178,546\tab \up0 \expndtw-1\charscalex100 3,015,974\tab \up0 \exp
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x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 7,217,511\tab \up0 \expndtw-1\charscalex100 6,492,401\tab \up0 \expndt
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\expndtw-1\charscalex100 6,294,331\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx8357\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 5,636,648\tab \up0 \expndtw-1\charscalex100 0
\tab \up0 \expndtw-1\charscalex100 6,283,508\tab \up0 \expndtw-1\charscalex100 6
,158,107\tab \up0 \expndtw-1\charscalex100 6,226,954\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,017,014\tab \up0 \expndtw-1\charsc
alex100 6,367,623\tab \up0 \expndtw-1\charscalex100 6,269,695\tab \up0 \expndtw1\charscalex100 6,158,107\tab \up0 \expndtw-1\charscalex100 6,192,209\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6813\tx7997\tx9077\tx10157\tx11237 \dn2 \expndt
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b \up0 \expndtw-1\charscalex100 124,778\tab \up0 \expndtw-1\charscalex100 142,18
2\tab \up0 \expndtw-1\charscalex100 108,392\tab \up0 \expndtw-1\charscalex100 10
2,122\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11
297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 127,711\tab \up0
\expndtw-1\charscalex100 125,120\tab \up0 \expndtw-1\charscalex100 120,568\tab \
up0 \expndtw-1\charscalex100 123,390\tab \up0 \expndtw-1\charscalex100 59,364\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,481,119\tab \up0
\expndtw-1\charscalex100 2,116,141\tab \up0 \expndtw-1\charscalex100 1,651,360\
tab \up0 \expndtw-1\charscalex100 1,586,415\tab \up0 \expndtw-1\charscalex100 1,
845,075\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\sl
mult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 552,443\tab \up0 \expndtw-1\charscalex100
441,814\tab \up0 \expndtw-1\charscalex100 404,055\tab \up0 \expndtw-1\charscalex
100 284,378\tab \up0 \expndtw-1\charscalex100 300,466\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 649,811\tab \up0 \expndtw-1\charsca
lex100 616,701\tab \up0 \expndtw-1\charscalex100 689,973\tab \up0 \expndtw-1\cha
rscalex100 587,511\tab \up0 \expndtw-1\charscalex100 586,866\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6930\tx7950\tx9030\tx10110\tx11237 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (97,368)\tab \up0 \expndtw
-1\charscalex100 (174,887)\tab \up0 \expndtw-1\charscalex100 (285,958)\tab \up0
\expndtw-1\charscalex100 (253,133)\tab \up0 \expndtw-1\charscalex100 286,400\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7950\tx9030\tx10217\tx11297 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-of
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up0 \expndtw-1\charscalex100 (605,602)\tab \up0 \expndtw-1\charscalex100 (159,22
4)\tab \up0 \expndtw-1\charscalex100 65,264\tab \up0 \expndtw-1\charscalex100 96
,224\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7950\tx9030\tx10110\tx111
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\cf56\f57\fs12 302,068\tab \up0 \expndtw-1\charscalex100 (780,489)\tab \up0 \exp
ndtw-1\charscalex100 (126,694)\tab \up0 \expndtw-1\charscalex100 (187,869)\tab \
up0 \expndtw-1\charscalex100 (190,176)\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 114,896\tab \up0 \expndtw-1\charscalex100 160,48
7\tab \up0 \expndtw-1\charscalex100 422,828\tab \up0 \expndtw-1\charscalex100 47
7,293\tab \up0 \expndtw-1\charscalex100 223,134\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6917\tx7997\tx9077\tx10157\tx11297 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 812,651\tab \up0 \expndtw-1\charscale
x100 793,010\tab \up0 \expndtw-1\charscalex100 155,888\tab \up0 \expndtw-1\chars
calex100 192,004\tab \up0 \expndtw-1\charscalex100 35,967\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscal
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alex100 158,076\tab \up0 \expndtw-1\charscalex100 180,890\tab \up0 \expndtw-1\ch
arscalex100 196,798\tab \up0 \expndtw-1\charscalex100 187,125\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6870\tx7997\tx9077\tx10217\tx11373 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (395,687)\tab \up0 \expn
dtw-1\charscalex100 173,008\tab \up0 \expndtw-1\charscalex100 140,246\tab \up0 \
expndtw-1\charscalex100 97,420\tab \up0 \expndtw-1\charscalex100 3,009\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6870\tx7997\tx9077\tx10217\tx11297 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (398,342)\tab \
up0 \expndtw-1\charscalex100 128,542\tab \up0 \expndtw-1\charscalex100 138,095\t
ab \up0 \expndtw-1\charscalex100 95,465\tab \up0 \expndtw-1\charscalex100 35,628
\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx705
3\tx8057\tx9137\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 1,570\tab \up0 \expndtw-1\charscalex100 15,700\tab \up0 \ex
pndtw-1\charscalex100 15,700\tab \up0 \expndtw-1\charscalex100 1,570\tab \up0 \e
xpndtw-1\charscalex100 1,570\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8
088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charsca
lex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charsca
lex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx102
48\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock d
ividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9030\tx10110
\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash gene
rated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 (528,738)\tab \up0 \expndtw-1\charscalex100 (549,050)\tab \up0 \
expndtw-1\charscalex100 (756,259)\tab \up0 \expndtw-1\charscalex100 (280,827)\ta
b \up0 \expndtw-1\charscalex100 (255,917)\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 199,336\tab \up0 \expndtw-1\charscalex100 139
,219\tab \up0 \expndtw-1\charscalex100 145,208\tab \up0 \expndtw-1\charscalex100
141,970\tab \up0 \expndtw-1\charscalex100 142,059\par\pard\li900\sb14\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficie
ncy ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6899\t
x7979\tx9059\tx10139\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu

b\cf56\f57\fs12 -17.62%\tab \up0 \expndtw-1\charscalex100 -39.58%\tab \up0 \expn

dtw-1\charscalex100 -70.77%\tab \up0 \expndtw-1\charscalex100 -89.01%\tab \up0 \
expndtw-1\charscalex100 95.32%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\t
x8055\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 -1.03%\tab \up0 \expndtw-1\charscalex100 -2.41
%\tab \up0 \expndtw-1\charscalex100 -4.92%\tab \up0 \expndtw-1\charscalex100 -5.
88%\tab \up0 \expndtw-1\charscalex100 -5.57%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 0.01\tab \up0 \expndtw-1\charscalex100 0
.00\tab \up0 \expndtw-1\charscalex100 0.00\tab \up0 \expndtw-1\charscalex100 0.0
0\tab \up0 \expndtw-1\charscalex100 0.00\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6975\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 -4.23%\tab \up0 \expndtw-1\charscalex100 1.7
7%\tab \up0 \expndtw-1\charscalex100 2.38%\tab \up0 \expndtw-1\charscalex100 1.8
5%\tab \up0 \expndtw-1\charscalex100 0.69%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.22%\tab \up0 \exp
ndtw-1\charscalex100 2.21%\tab \up0 \expndtw-1\charscalex100 7.28%\tab \up0 \exp
ndtw-1\charscalex100 9.25%\tab \up0 \expndtw-1\charscalex100 4.34%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7037\tx7979\tx9135\tx10215\tx11295 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(afte
r prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 3.21%\tab \up0 \expndtw-1\charscalex100 -10.77%\tab \up0 \expndtw
-1\charscalex100 -2.18%\tab \up0 \expndtw-1\charscalex100 -3.64%\tab \up0 \expnd
tw-1\charscalex100 -3.70%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983
\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 117.62%\tab \up0 \expndtw-1\ch
arscalex100 139.58%\tab \up0 \expndtw-1\charscalex100 170.76%\tab \up0 \expndtw1\charscalex100 206.60%\tab \up0 \expndtw-1\charscalex100 195.32%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7079\tx8223\tx9303\tx10383\tx11403 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profit before ta
x. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 -2.49\tab \up0 \expndtw-1\charscalex100 0.91\tab \up0 \expndtw-1\charscalex10
0 1.29\tab \up0 \expndtw-1\charscalex100 2.02\tab \up0 \expndtw-1\charscalex100
62.19\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9137\tx10217\tx11
357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/int
erest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 121.77%\tab \up0 \expndtw-1\charscalex100 131.66%\tab
\up0 \expndtw-1\charscalex100 18.85%\tab \up0 \expndtw-1\charscalex100 25.21%\t
ab \up0 \expndtw-1\charscalex100 6.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 10.Admin. expense to non-markup/interest income (D8/D6) (time
s)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.59\tab \up0
\expndtw-1\charscalex100 0.98\tab \up0 \expndtw-1\charscalex100 0.43\tab \up0 \
expndtw-1\charscalex100 0.41\tab \up0 \expndtw-1\charscalex100 0.84\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6944\tx8223\tx9303\tx10323\tx11403 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -253.72\tab \up0 \ex
pndtw-1\charscalex100 8.19\tab \up0 \expndtw-1\charscalex100 8.80\tab \up0 \expn
dtw-1\charscalex100 60.81\tab \up0 \expndtw-1\charscalex100 22.69\par\pard\li900
\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\t
x9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 3.02%\tab \up0 \expndtw-1\charscalex100 3.3

5%\tab \up0 \expndtw-1\charscalex100 4.03%\tab \up0 \expndtw-1\charscalex100 4.1

7%\tab \up0 \expndtw-1\charscalex100 3.84%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 49.93%\tab \up0 \expndtw-1\charscalex10
0 55.71%\tab \up0 \expndtw-1\charscalex100 54.73%\tab \up0 \expndtw-1\charscalex
100 58.47%\tab \up0 \expndtw-1\charscalex100 55.69%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6977\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.74%\tab \up
0 \expndtw-1\charscalex100 1.72%\tab \up0 \expndtw-1\charscalex100 2.45%\tab \up
0 \expndtw-1\charscalex100 2.10%\tab \up0 \expndtw-1\charscalex100 1.99%\par\par
d\li900\sb39\sl-155\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 64.84%\tab \
up0 \expndtw-1\charscalex100 64.00%\tab \up0 \expndtw-1\charscalex100 65.37%\tab
\up0 \expndtw-1\charscalex100 64.24%\tab \up0 \expndtw-1\charscalex100 63.65%\p
ar\pard\li900\sb6\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to t
otal assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 398.36%\tab \up0 \expndtw-1\charscalex100 489.14%\tab \up0 \expndtw-1\charscal
ex100 585.02%\tab \up0 \expndtw-1\charscalex100 642.15%\tab \up0 \expndtw-1\char
scalex100 642.35%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\
tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gr
oss advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 118.12%\tab \up0 \expndtw-1\charscalex100 140.01%\tab \up0 \exp
ndtw-1\charscalex100 168.88%\tab \up0 \expndtw-1\charscalex100 189.12%\tab \up0
\expndtw-1\charscalex100 192.22%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977
\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.07%\tab \up0 \expndtw-1\charsca
lex100 23.89%\tab \up0 \expndtw-1\charscalex100 24.56%\tab \up0 \expndtw-1\chars
calex100 24.31%\tab \up0 \expndtw-1\charscalex100 24.37%\par\pard\li900\sb15\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.A
ssets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8117\tx913
7\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Non-performing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 78.10%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 98.00%\tab \up0 \expndtw-1\charscalex100 98.27%\t
ab \up0 \expndtw-1\charscalex100 98.93%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7304\tx8384\tx9464\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Provisions against NPLs to gross advances (C7/C5)\tab \dn2 \
expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 98.27%\tab \up0 \expndtw-1\charscalex100 98.38%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6899\tx8117\tx9059\tx10139\tx11219 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -20.08%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 -22.60%\tab \up0 \expndtw-1\c
harscalex100 -22.22%\tab \up0 \expndtw-1\charscalex100 -22.50%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7037\tx8055\tx9135\tx10277\tx11357 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4
/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.64%\tab \
up0 \expndtw-1\charscalex100 -9.51%\tab \up0 \expndtw-1\charscalex100 -2.54%\tab
\up0 \expndtw-1\charscalex100 1.06%\tab \up0 \expndtw-1\charscalex100 1.55%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8384\tx9137\tx10143\tx11297 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL t
o NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
06.75%\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 99.78%\tab \up0 \expndt

w-1\charscalex100 100.00%\tab \up0 \expndtw-1\charscalex100 99.44%\par\pard\li90

0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6839
\tx7919\tx8999\tx10079\tx11159 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 -297.85%\tab \up0 \expndtw-1\charscalex100 -385.65%\tab \up0 \e
xpndtw-1\charscalex100 -478.72%\tab \up0 \expndtw-1\charscalex100 -537.21%\tab \
up0 \expndtw-1\charscalex100 -537.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7079\tx8223\tx9239\tx10319\tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.01\tab \up0 \exp
ndtw-1\charscalex100 0.00\tab \up0 \expndtw-1\charscalex100 -0.01\tab \up0 \expn
dtw-1\charscalex100 -0.01\tab \up0 \expndtw-1\charscalex100 -0.01\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6779\tx7919\tx8999\tx10019\tx11099 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -17,879.78\tab \up
0 \expndtw-1\charscalex100 -1,779.79\tab \up0 \expndtw-1\charscalex100 -1,770.99
\tab \up0 \expndtw-1\charscalex100 -17,649.14\tab \up0 \expndtw-1\charscalex100
-17,626.44\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7079\tx8159\tx9239\tx10319
\tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total dep
osit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 -0.22\tab \up0 \expndtw-1\charscalex100 -0.17\tab \up0 \expn
dtw-1\charscalex100 -0.14\tab \up0 \expndtw-1\charscalex100 -0.12\tab \up0 \expn
dtw-1\charscalex100 -0.12\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\s
b8\sl-161\slmult0\fi0\tx7143\tx8159\tx9239\tx10319\tx11399 \dn2 \expndtw-1\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activities
to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1.33\tab \up0 \expndtw-1\charscalex100 -4.27\tab \up0 \exp
ndtw-1\charscalex100 -5.48\tab \up0 \expndtw-1\charscalex100 -2.94\tab \up0 \exp
ndtw-1\charscalex100 -7.18\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard\ql\l
i6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6
089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 59
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g68}{\bkmkend Pg68}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SME BANK LTD.\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\tx
6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub
\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f55\
fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscalex1
00 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex100
2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx111
33 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity (A
1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,889,2
81\tab \up0 \expndtw-1\charscalex100 2,356,333\tab \up0 \expndtw-1\charscalex100
2,426,535\tab \up0 \expndtw-1\charscalex100 2,184,805\tab \up0 \expndtw-1\chars
calex100 1,976,571\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\
tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Sh
are capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,39
2,507\tab \up0 \expndtw-1\charscalex100 2,392,507\tab \up0 \expndtw-1\charscalex
100 2,392,507\tab \up0 \expndtw-1\charscalex100 2,392,507\tab \up0 \expndtw-1\ch
arscalex100 2,392,507\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9
078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 199,3
56\tab \up0 \expndtw-1\charscalex100 199,356\tab \up0 \expndtw-1\charscalex100 2
35,636\tab \up0 \expndtw-1\charscalex100 234,660\tab \up0 \expndtw-1\charscalex1
00 234,660\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7950\tx9030\tx10110
\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un approp
riated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 29
7,418\tab \up0 \expndtw-1\charscalex100 (235,530)\tab \up0 \expndtw-1\charscalex
100 (201,608)\tab \up0 \expndtw-1\charscalex100 (442,362)\tab \up0 \expndtw-1\ch
arscalex100 (650,596)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx7950\tx9
090\tx10170\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (80,674
)\tab \up0 \expndtw-1\charscalex100 (401,844)\tab \up0 \expndtw-1\charscalex100
(69,984)\tab \up0 \expndtw-1\charscalex100 (61,157)\tab \up0 \expndtw-1\charscal
ex100 21,753\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx1005
3\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total li
abilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 3,775,151\tab \up0 \expndtw-1\charscalex100 3,802,521\tab \up0 \expndtw-1\ch
arscalex100 5,192,070\tab \up0 \expndtw-1\charscalex100 4,508,821\tab \up0 \expn
dtw-1\charscalex100 5,758,864\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8
058\tx9138\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 40,441\tab \up0 \expndtw-1\charscalex100 37,686\tab \up0 \expndtw-1\chars
calex100 54,542\tab \up0 \expndtw-1\charscalex100 40,505\tab \up0 \expndtw-1\cha
rscalex100 183,863\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.B
orrowings from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1,400,000\tab \up0 \expndtw-1\charscalex100 1,518,100\tab

\up0 \expndtw-1\charscalex100 1,728,922\tab \up0 \expndtw-1\charscalex100 1,437,

604\tab \up0 \expndtw-1\charscalex100 2,171,669\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 1,879,587\tab \up0 \expndtw-1\charscalex
100 1,892,018\tab \up0 \expndtw-1\charscalex100 2,934,403\tab \up0 \expndtw-1\ch
arscalex100 2,651,948\tab \up0 \expndtw-1\charscalex100 2,999,192\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 455,123\tab \up0 \expndtw1\charscalex100 354,717\tab \up0 \expndtw-1\charscalex100 474,203\tab \up0 \expn
dtw-1\charscalex100 378,764\tab \up0 \expndtw-1\charscalex100 404,140\par\pard\l
i900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to
C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,583,758\t
ab \up0 \expndtw-1\charscalex100 5,757,010\tab \up0 \expndtw-1\charscalex100 7,5
48,621\tab \up0 \expndtw-1\charscalex100 6,632,469\tab \up0 \expndtw-1\charscale
x100 7,757,188\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash a
nd balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 286,705\tab \up0 \expndtw-1\charscalex100 200,112\tab \up0 \expn
dtw-1\charscalex100 213,861\tab \up0 \expndtw-1\charscalex100 228,062\tab \up0 \
expndtw-1\charscalex100 214,655\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\
tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 52,980\tab \up0 \expndtw-1\charscalex100 49,751\tab \up0 \
expndtw-1\charscalex100 79,660\tab \up0 \expndtw-1\charscalex100 20,912\tab \up0
\expndtw-1\charscalex100 9,865\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\
tx7998\tx9138\tx10518\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 258,944\tab \up0 \expndtw-1\charscalex100 100,000\
tab \up0 \expndtw-1\charscalex100 33,445\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 800,000\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 3,058,130\tab \up0 \expndtw-1\charscalex100 2,545,053\tab \up0 \e
xpndtw-1\charscalex100 2,701,816\tab \up0 \expndtw-1\charscalex100 2,680,334\tab
\up0 \expndtw-1\charscalex100 3,027,667\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 7,762,218\tab \up0 \expndtw-1\charscalex100 7,942,929\tab \u
p0 \expndtw-1\charscalex100 9,243,470\tab \up0 \expndtw-1\charscalex100 8,744,59
6\tab \up0 \expndtw-1\charscalex100 8,655,771\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,706,118\tab \up0 \expndtw-1\chars
calex100 5,496,498\tab \up0 \expndtw-1\charscalex100 6,166,877\tab \up0 \expndtw
-1\charscalex100 5,995,141\tab \up0 \expndtw-1\charscalex100 5,937,822\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,643,871\tab \up0
\expndtw-1\charscalex100 5,416,607\tab \up0 \expndtw-1\charscalex100 5,285,573\
tab \up0 \expndtw-1\charscalex100 5,436,997\tab \up0 \expndtw-1\charscalex100 5,
306,693\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net
of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2,118,347\tab \up0 \expndtw-1\charscalex100 2,526,322\tab \up0 \expndtw-1\
charscalex100 3,957,897\tab \up0 \expndtw-1\charscalex100 3,307,599\tab \up0 \ex
pndtw-1\charscalex100 3,349,078\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\

f57\fs12 144,589\tab \up0 \expndtw-1\charscalex100 124,546\tab \up0 \expndtw-1\c
harscalex100 122,462\tab \up0 \expndtw-1\charscalex100 132,586\tab \up0 \expndtw
-1\charscalex100 135,321\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 664,063\tab \up0 \expndtw-1\charscalex100 211,226\tab \up0 \expndtw-1\c
harscalex100 439,480\tab \up0 \expndtw-1\charscalex100 262,976\tab \up0 \expndtw
-1\charscalex100 220,602\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li
900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 875,560\tab \up0 \expndtw
-1\charscalex100 774,797\tab \up0 \expndtw-1\charscalex100 879,072\tab \up0 \exp
ndtw-1\charscalex100 647,521\tab \up0 \expndtw-1\charscalex100 728,192\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expensed\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 379,956\tab \up0 \
expndtw-1\charscalex100 385,379\tab \up0 \expndtw-1\charscalex100 523,653\tab \u
p0 \expndtw-1\charscalex100 350,732\tab \up0 \expndtw-1\charscalex100 432,919\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 495,604\t
ab \up0 \expndtw-1\charscalex100 389,418\tab \up0 \expndtw-1\charscalex100 355,4
19\tab \up0 \expndtw-1\charscalex100 296,789\tab \up0 \expndtw-1\charscalex100 2
95,273\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10158\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions an
d write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 137
,525\tab \up0 \expndtw-1\charscalex100 11,368\tab \up0 \expndtw-1\charscalex100
58,921\tab \up0 \expndtw-1\charscalex100 166,780\tab \up0 \expndtw-1\charscalex1
00 74,676\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup
/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 633,129\tab \up0 \expndtw-1\charscalex100 378,050\tab \up0 \
expndtw-1\charscalex100 296,498\tab \up0 \expndtw-1\charscalex100 130,009\tab \u
p0 \expndtw-1\charscalex100 369,949\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 40,338\tab \up0 \expndtw-1\charscalex100 58,647\tab
\up0 \expndtw-1\charscalex100 21,478\tab \up0 \expndtw-1\charscalex100 62,287\t
ab \up0 \expndtw-1\charscalex100 26,738\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6918\tx7998\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 521,373\tab \up0 \expndtw-1\charscalex100 568
,691\tab \up0 \expndtw-1\charscalex100 1,216,276\tab \up0 \expndtw-1\charscalex1
00 529,348\tab \up0 \expndtw-1\charscalex100 613,257\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6918\tx7998\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 526,464\tab \up0 \expndtw-1\charscalex1
00 570,101\tab \up0 \expndtw-1\charscalex100 1,236,080\tab \up0 \expndtw-1\chars
calex100 517,111\tab \up0 \expndtw-1\charscalex100 608,610\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6978\tx7950\tx9090\tx10110\tx11190 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41,691\tab \up0 \expndtw-1\
charscalex100 (131,994)\tab \up0 \expndtw-1\charscalex100 (28,160)\tab \up0 \exp
ndtw-1\charscalex100 (337,052)\tab \up0 \expndtw-1\charscalex100 (216,570)\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7950\tx9090\tx10110\tx11190 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxa
tion\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 110,403\tab
\up0 \expndtw-1\charscalex100 (532,948)\tab \up0 \expndtw-1\charscalex100 (33,8

94)\tab \up0 \expndtw-1\charscalex100 (297,652)\tab \up0 \expndtw-1\charscalex10

0 (225,031)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\
fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 239,250\tab \up0 \expndtw-1\charscalex100 239,25
1\tab \up0 \expndtw-1\charscalex100 239,251\tab \up0 \expndtw-1\charscalex100 23
9,251\tab \up0 \expndtw-1\charscalex100 239,251\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\
tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx
7998\tx9030\tx10244\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 (780,948)\tab \up0 \expndtw-1\charscalex100 5
50,566\tab \up0 \expndtw-1\charscalex100 (539,136)\tab \up0 \expndtw-1\charscale
x100 (4,386)\tab \up0 \expndtw-1\charscalex100 490,316\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,479,894\tab \up0 \expndtw-1\ch
arscalex100 2,550,866\tab \up0 \expndtw-1\charscalex100 2,988,550\tab \up0 \expn
dtw-1\charscalex100 3,658,819\tab \up0 \expndtw-1\charscalex100 3,658,819\par\pa
rd\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb1\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 56.60%\tab \up0 \expndtw-1\charscalex100
50.26%\tab \up0 \expndtw-1\charscalex100 40.43%\tab \up0 \expndtw-1\charscalex10
0 45.83%\tab \up0 \expndtw-1\charscalex100 40.55%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.53%\tab \up0 \expndtw-1\c
harscalex100 6.76%\tab \up0 \expndtw-1\charscalex100 4.71%\tab \up0 \expndtw-1\c
harscalex100 4.47%\tab \up0 \expndtw-1\charscalex100 3.81%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7143\tx8160\tx9240\tx10320\tx11400 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.04\tab \up0 \expndtw-1\c
harscalex100 -0.23\tab \up0 \expndtw-1\charscalex100 -0.01\tab \up0 \expndtw-1\c
harscalex100 -0.14\tab \up0 \expndtw-1\charscalex100 -0.11\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7038\tx8055\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.68%\tab \up0 \expndtw-1\
charscalex100 -9.26%\tab \up0 \expndtw-1\charscalex100 -0.45%\tab \up0 \expndtw1\charscalex100 -4.49%\tab \up0 \expndtw-1\charscalex100 -2.90%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to tota
l assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.61%\tab \up0 \expndtw-1\charscalex100 1.02%\tab \up0 \expndtw-1\charscalex10
0 0.28%\tab \up0 \expndtw-1\charscalex100 0.94%\tab \up0 \expndtw-1\charscalex10
0 0.34%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx
11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/i
nterest income(after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 9.62%\tab \up0 \expndtw-1\charscalex100 6.57
%\tab \up0 \expndtw-1\charscalex100 3.93%\tab \up0 \expndtw-1\charscalex100 1.96

%\tab \up0 \expndtw-1\charscalex100 4.77%\par\pard\li900\sb19\sl-161\slmult0\fi1

94\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 43.40%\tab \up
0 \expndtw-1\charscalex100 49.74%\tab \up0 \expndtw-1\charscalex100 59.57%\tab \
up0 \expndtw-1\charscalex100 54.17%\tab \up0 \expndtw-1\charscalex100 59.45%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8160\tx9164\tx10320\tx11400 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expense to profi
t before tax. (D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 12.63\tab \up0 \expndtw-1\charscalex100 -4.32\tab \up0 \expndtw-1\
charscalex100 -43.89\tab \up0 \expndtw-1\charscalex100 -1.53\tab \up0 \expndtw-1
\charscalex100 -2.81\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx90
63\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9
.Non-markup/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 56.92%\tab \up0 \expndtw-1\charscalex1
00 68.23%\tab \up0 \expndtw-1\charscalex100 135.06%\tab \up0 \expndtw-1\charscal
ex100 74.58%\tab \up0 \expndtw-1\charscalex100 81.23%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7083\tx8223\tx9243\tx10383\tx11403 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-markup/interest incom
e (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 13.05\tab \up0 \expndtw-1\charscalex100 9.72\tab \up0 \expndtw-1\charscalex100
57.55\tab \up0 \expndtw-1\charscalex100 8.30\tab \up0 \expndtw-1\charscalex100
22.76\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8160\tx9240\tx10320\tx11
400 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per s
hare (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
46\tab \up0 \expndtw-1\charscalex100 -2.23\tab \up0 \expndtw-1\charscalex100 -0.
14\tab \up0 \expndtw-1\charscalex100 -1.24\tab \up0 \expndtw-1\charscalex100 -0.
94\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi19
4\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.16%\tab \up0 \expndtw-1\
charscalex100 4.34%\tab \up0 \expndtw-1\charscalex100 3.89%\tab \up0 \expndtw-1\
charscalex100 3.75%\tab \up0 \expndtw-1\charscalex100 2.89%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.45%\tab \up0 \expnd
tw-1\charscalex100 44.21%\tab \up0 \expndtw-1\charscalex100 35.79%\tab \up0 \exp
ndtw-1\charscalex100 40.41%\tab \up0 \expndtw-1\charscalex100 39.03%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to t
otal assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 32.18%\tab \up0 \expndtw-1\charscalex100 43.88%\tab \up0 \expndtw-1\charscale
x100 52.43%\tab \up0 \expndtw-1\charscalex100 49.87%\tab \up0 \expndtw-1\charsca
lex100 43.17%\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 4.Deposit
s to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 28.55%\tab \up0 \expndtw-1\charscalex100 32.86%\tab \up0 \expndtw-1\cha
rscalex100 38.87%\tab \up0 \expndtw-1\charscalex100 39.98%\tab \up0 \expndtw-1\c
harscalex100 38.66%\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.T
otal liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 57.34%\tab \up0 \expndtw-1\charscalex100 66.05%\tab \up0
\expndtw-1\charscalex100 68.78%\tab \up0 \expndtw-1\charscalex100 67.98%\tab \up
0 \expndtw-1\charscalex100 74.24%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx690
3\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 412.97%\tab \up0 \expndtw-1\charscalex100 419.8
1%\tab \up0 \expndtw-1\charscalex100 315.00%\tab \up0 \expndtw-1\charscalex100 3
29.74%\tab \up0 \expndtw-1\charscalex100 288.60%\par\pard\li900\sb19\sl-161\slmu

lt0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul

0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 236.68%\tab \up0 \
expndtw-1\charscalex100 232.92%\tab \up0 \expndtw-1\charscalex100 198.22%\tab \u
p0 \expndtw-1\charscalex100 213.83%\tab \up0 \expndtw-1\charscalex100 167.40%\pa
r\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi19
4\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73.51%\tab \up0 \expndtw-1\ch
arscalex100 69.20%\tab \up0 \expndtw-1\charscalex100 66.72%\tab \up0 \expndtw-1\
charscalex100 68.56%\tab \up0 \expndtw-1\charscalex100 68.60%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions against NPLs to gross advan
ces (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex10
0 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57.18%\tab \
up0 \expndtw-1\charscalex100 62.18%\tab \up0 \expndtw-1\charscalex100 61.31%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to shareholders eq
uity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 197.
49%\tab \up0 \expndtw-1\charscalex100 233.26%\tab \up0 \expndtw-1\charscalex100
254.14%\tab \up0 \expndtw-1\charscalex100 274.40%\tab \up0 \expndtw-1\charscalex
100 300.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1027
8\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs wri
te off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2.44%\tab \up0 \expndtw-1\charscalex100 0.21%\tab \up0 \expndt
w-1\charscalex100 1.11%\tab \up0 \expndtw-1\charscalex100 3.07%\tab \up0 \expndt
w-1\charscalex100 1.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\t
x9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 98.91%\tab \up0 \expndtw-1\charscalex100 98.55%\tab \u
p0 \expndtw-1\charscalex100 85.71%\tab \up0 \expndtw-1\charscalex100 90.69%\tab
\up0 \expndtw-1\charscalex100 89.37%\par\pard\li900\sb14\sl-184\slmult0\fi44 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage rat
ios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 43.88%\tab \u
p0 \expndtw-1\charscalex100 40.93%\tab \up0 \expndtw-1\charscalex100 32.15%\tab
\up0 \expndtw-1\charscalex100 32.94%\tab \up0 \expndtw-1\charscalex100 25.48%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & continge
ncies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.86\tab \up0 \expndtw-1\charscalex100 1.08\tab \up0 \expnd
tw-1\charscalex100 1.23\tab \up0 \expndtw-1\charscalex100 1.67\tab \up0 \expndtw
-1\charscalex100 1.85\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8223\tx9
243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 12.08\tab \up0 \expndtw-1\charscalex100 9.85\tab \up0 \expndtw
-1\charscalex100 10.14\tab \up0 \expndtw-1\charscalex100 9.13\tab \up0 \expndtw1\charscalex100 8.26\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx93
03\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.65\tab \up0 \expndtw-1\charscalex100 0.80\tab \u
p0 \expndtw-1\charscalex100 1.21\tab \up0 \expndtw-1\charscalex100 1.21\tab \up0
\expndtw-1\charscalex100 1.52\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1
094\sb8\sl-161\slmult0\fi0\tx7080\tx8160\tx9243\tx10383\tx11400 \dn2 \expndtw-1\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opration activ
ities to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 -7.07\tab \up0 \expndtw-1\charscalex100 -1.03\tab \up

0 \expndtw-1\charscalex100 15.91\tab \up0 \expndtw-1\charscalex100 0.01\tab \up0

\expndtw-1\charscalex100 -2.18\par\pard\ql \li6089\sb0\sl-161\slmult0 \par\pard
\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\q
l\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 60
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g69}{\bkmkend Pg69}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 THE PUNJAB PROVINCIAL COOPERATIVE BANK LIMITED\tab \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard
\li900\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndt
w-2\charscalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 200
8\tab \up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\
tab \up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\t
x6918\tx7893\tx9138\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 934,954\tab \up0 \expndtw-1\charscalex100 1,066,511\ta
b \up0 \expndtw-1\charscalex100 87,361\tab \up0 \expndtw-1\charscalex100 2,304,2
14\tab \up0 \expndtw-1\charscalex100 6,089,755\par\pard\li900\sb0\sl-161\slmult0
\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\n

osupersub\cf56\f57\fs12 430,351\tab \up0 \expndtw-1\charscalex100 434,155\tab \u

p0 \expndtw-1\charscalex100 434,647\tab \up0 \expndtw-1\charscalex100 435,060\ta
b \up0 \expndtw-1\charscalex100 435,584\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6918\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 370,827\tab \up0 \expndtw-1\charscalex100 402,298\tab \up0 \expndtw
-1\charscalex100 401,727\tab \up0 \expndtw-1\charscalex100 2,797,793\tab \up0 \e
xpndtw-1\charscalex100 6,103,037\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918
\tx7998\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 133,776\tab \up0 \expndtw-1\charscalex100 230,058\tab \up0 \
expndtw-1\charscalex100 (749,013)\tab \up0 \expndtw-1\charscalex100 (928,639)\ta
b \up0 \expndtw-1\charscalex100 (448,866)\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 2,489,021\tab \up0 \expndtw-1\charscalex100 3,654,089\tab \up0 \exp
ndtw-1\charscalex100 3,608,391\tab \up0 \expndtw-1\charscalex100 3,586,269\tab \
up0 \expndtw-1\charscalex100 3,614,195\par\pard\li900\sb39\sl-155\slmult0\fi44\t
x6753\tx7833\tx8913\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 14,232,922\tab \up0 \expndtw-1\charscalex100 10,11
3,896\tab \up0 \expndtw-1\charscalex100 10,016,170\tab \up0 \expndtw-1\charscale
x100 9,355,390\tab \up0 \expndtw-1\charscalex100 4,655,248\par\pard\li900\sb6\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 39,654\tab \up0 \expndtw-1\charscalex100 75,
186\tab \up0 \expndtw-1\charscalex100 44,305\tab \up0 \expndtw-1\charscalex100 2
1,777\tab \up0 \expndtw-1\charscalex100 11,994\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6753\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,000,000\tab \up0 \expndtw-1
\charscalex100 8,000,000\tab \up0 \expndtw-1\charscalex100 8,000,000\tab \up0 \e
xpndtw-1\charscalex100 5,250,000\tab \up0 \expndtw-1\charscalex100 1,944,442\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other acco
unts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,007,645\t
ab \up0 \expndtw-1\charscalex100 1,929,185\tab \up0 \expndtw-1\charscalex100 1,8
37,175\tab \up0 \expndtw-1\charscalex100 3,820,343\tab \up0 \expndtw-1\charscale
x100 2,443,098\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1
0158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other
/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 185,623\tab \up0 \expndtw-1\charscalex100 109,525\tab \up0 \expndtw-1\charsca
lex100 134,690\tab \up0 \expndtw-1\charscalex100 263,270\tab \up0 \expndtw-1\cha
rscalex100 255,714\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\
tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Tot
al assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 17,656,897\tab \up0 \expndtw-1\charscalex100 14,834,496\tab \up
0 \expndtw-1\charscalex100 13,711,922\tab \up0 \expndtw-1\charscalex100 15,245,8
73\tab \up0 \expndtw-1\charscalex100 14,359,198\par\pard\li900\sb6\sl-161\slmult
0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 715,017\tab \up0 \expndtw-1\cha
rscalex100 695,200\tab \up0 \expndtw-1\charscalex100 601,882\tab \up0 \expndtw-1
\charscalex100 814,147\tab \up0 \expndtw-1\charscalex100 468,879\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,586,775\tab \up0 \expnd
tw-1\charscalex100 2,230,225\tab \up0 \expndtw-1\charscalex100 2,017,990\tab \up
0 \expndtw-1\charscalex100 1,709,436\tab \up0 \expndtw-1\charscalex100 2,123,846
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \

dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financia

l institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up
0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 558,009\tab \up0 \expndtw-1\charscalex1
00 508,762\tab \up0 \expndtw-1\charscalex100 451,012\tab \up0 \expndtw-1\charsca
lex100 799,673\tab \up0 \expndtw-1\charscalex100 1,503,620\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 9,453,735\tab \up0 \expndtw-1\charscalex10
0 8,983,220\tab \up0 \expndtw-1\charscalex100 8,177,689\tab \up0 \expndtw-1\char
scalex100 7,385,647\tab \up0 \expndtw-1\charscalex100 7,625,939\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,254,376\tab \up
0 \expndtw-1\charscalex100 4,228,634\tab \up0 \expndtw-1\charscalex100 4,113,247
\tab \up0 \expndtw-1\charscalex100 3,430,614\tab \up0 \expndtw-1\charscalex100 2
,498,221\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\t
x11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision a
gainst advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1,443,914\tab \up0 \expndtw-1\charscalex100 1,443,914\tab \up0 \expndtw-1\charsc
alex100 1,443,914\tab \up0 \expndtw-1\charscalex100 1,605,894\tab \up0 \expndtw1\charscalex100 1,605,894\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 8,009,821\tab \up0 \expndtw-1\charscalex100 7,539,306\ta
b \up0 \expndtw-1\charscalex100 6,733,775\tab \up0 \expndtw-1\charscalex100 5,77
9,753\tab \up0 \expndtw-1\charscalex100 6,020,045\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 2,571,139\tab \up0 \expndtw-1\charscalex100 3,712,774
\tab \up0 \expndtw-1\charscalex100 3,705,253\tab \up0 \expndtw-1\charscalex100 3
,700,872\tab \up0 \expndtw-1\charscalex100 3,736,445\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 216,136\tab \up0 \expndtw-1\charscalex100 1
48,229\tab \up0 \expndtw-1\charscalex100 202,010\tab \up0 \expndtw-1\charscalex1
00 2,441,992\tab \up0 \expndtw-1\charscalex100 506,363\par\pard\li900\sb14\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Pro
fit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\
tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Ma
rkup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 1,228,805\tab \up0 \expndtw-1\charscalex100 984,869\tab \up0 \expndtw-1\cha
rscalex100 1,193,637\tab \up0 \expndtw-1\charscalex100 1,553,750\tab \up0 \expnd
tw-1\charscalex100 1,647,318\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7
998\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 547,198\tab \up0 \expndtw-1\charscalex100 618,581\tab \up0 \
expndtw-1\charscalex100 1,570,956\tab \up0 \expndtw-1\charscalex100 965,655\tab
\up0 \expndtw-1\charscalex100 386,027\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6918\tx7998\tx9030\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 681,607\tab \up0 \expndtw-1\charscalex100 366,288
\tab \up0 \expndtw-1\charscalex100 (377,319)\tab \up0 \expndtw-1\charscalex100 5
88,095\tab \up0 \expndtw-1\charscalex100 1,261,291\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6918\tx8133\tx9437\tx10157\tx11597 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 375,366\tab \up0 \expndtw-1\charscalex1

00 3,551\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 1

58,452\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6917\tx7997\tx9030\tx10157\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 306,241\tab \up0 \expndtw-1
\charscalex100 362,737\tab \up0 \expndtw-1\charscalex100 (377,319)\tab \up0 \exp
ndtw-1\charscalex100 429,643\tab \up0 \expndtw-1\charscalex100 1,261,291\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9137\tx10217\tx11297 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest incom
e\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 374,777\tab \u
p0 \expndtw-1\charscalex100 355,393\tab \up0 \expndtw-1\charscalex100 77,394\tab
\up0 \expndtw-1\charscalex100 76,830\tab \up0 \expndtw-1\charscalex100 73,906\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 550,75
4\tab \up0 \expndtw-1\charscalex100 596,544\tab \up0 \expndtw-1\charscalex100 67
9,146\tab \up0 \expndtw-1\charscalex100 681,299\tab \up0 \expndtw-1\charscalex10
0 826,794\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\
tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administra
tive expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55
0,203\tab \up0 \expndtw-1\charscalex100 596,293\tab \up0 \expndtw-1\charscalex10
0 678,896\tab \up0 \expndtw-1\charscalex100 680,681\tab \up0 \expndtw-1\charscal
ex100 826,662\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9030\tx10
110\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit
/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 130,264\tab \up0 \expndtw-1\charscalex100 121,586\tab \up0 \expndtw-1\ch
arscalex100 (979,071)\tab \up0 \expndtw-1\charscalex100 (174,826)\tab \up0 \expn
dtw-1\charscalex100 508,403\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx79
97\tx9030\tx10110\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 129,783\tab \up0 \expndtw-1\charscalex100 120,416\tab \up0
\expndtw-1\charscalex100 (979,071)\tab \up0 \expndtw-1\charscalex100 (179,626)\
tab \up0 \expndtw-1\charscalex100 479,773\par\pard\li900\sb14\sl-184\slmult0\fi4
4 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\
pard\li900\sb1\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,303\tab \up0 \ex
pndtw-1\charscalex100 4,342\tab \up0 \expndtw-1\charscalex100 4,346\tab \up0 \ex
pndtw-1\charscalex100 4,351\tab \up0 \expndtw-1\charscalex100 4,356\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscal
ex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscal
ex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6870\tx7844\tx9030\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (939,551)\tab \up0 \expnd
tw-1\charscalex100 (3,725,168)\tab \up0 \expndtw-1\charscalex100 (321,956)\tab \
up0 \expndtw-1\charscalex100 (2,135,260)\tab \up0 \expndtw-1\charscalex100 (2,52
9,962)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx7893\tx8913\tx10157\tx1
1237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments a
nd contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
30,198\tab \up0 \expndtw-1\charscalex100 9,031,919\tab \up0 \expndtw-1\charscale
x100 11,586,667\tab \up0 \expndtw-1\charscalex100 241,483\tab \up0 \expndtw-1\ch
arscalex100 392,711\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\char

scalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios

\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9059\tx10217\tx11297 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55.47%\tab \up0
\expndtw-1\charscalex100 37.19%\tab \up0 \expndtw-1\charscalex100 -31.61%\tab \
up0 \expndtw-1\charscalex100 37.85%\tab \up0 \expndtw-1\charscalex100 76.57%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9135\tx10277\tx11357 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest m
argin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
3.86%\tab \up0 \expndtw-1\charscalex100 2.47%\tab \up0 \expndtw-1\charscalex100
-2.75%\tab \up0 \expndtw-1\charscalex100 3.86%\tab \up0 \expndtw-1\charscalex100
8.78%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9164\tx10319\tx1
1463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equ
ity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.14\tab \up0 \expndtw-1\charscalex100 0.11\tab \up0 \expndtw-1\charscalex100
-11.21\tab \up0 \expndtw-1\charscalex100 -0.08\tab \up0 \expndtw-1\charscalex100
0.08\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9135\tx10215\tx11
357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on asse
ts (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.74%\tab \up0 \expndtw-1\charscalex100 0.81%\tab \up0 \expndtw-1\charscalex100
-7.14%\tab \up0 \expndtw-1\charscalex100 -1.18%\tab \up0 \expndtw-1\charscalex1
00 3.34%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\t
x11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/
interest income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 2.12%\tab \up0 \expndtw-1\charscalex100 2.40%\tab \up
0 \expndtw-1\charscalex100 0.56%\tab \up0 \expndtw-1\charscalex100 0.50%\tab \up
0 \expndtw-1\charscalex100 0.51%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037
\tx8117\tx9135\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 6.Net markup/interest income(after prov.) to total assets(D5/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.73%\tab \up0 \exp
ndtw-1\charscalex100 2.45%\tab \up0 \expndtw-1\charscalex100 -2.75%\tab \up0 \ex
pndtw-1\charscalex100 2.82%\tab \up0 \expndtw-1\charscalex100 8.78%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to marku
p/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 44.53%\tab \up0 \expndtw-1\charscalex100 62.81%\tab \up0 \expndtw-1\
charscalex100 131.61%\tab \up0 \expndtw-1\charscalex100 62.15%\tab \up0 \expndtw
-1\charscalex100 23.43%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\t
x9239\tx10319\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 8.Admin. expense to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 4.22\tab \up0 \expndtw-1\charscalex100
4.90\tab \up0 \expndtw-1\charscalex100 -0.69\tab \up0 \expndtw-1\charscalex100 3.89\tab \up0 \expndtw-1\charscalex100 1.63\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.35%\tab \up0
\expndtw-1\charscalex100 44.51%\tab \up0 \expndtw-1\charscalex100 53.43%\tab \u
p0 \expndtw-1\charscalex100 41.78%\tab \up0 \expndtw-1\charscalex100 48.04%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11403 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expense to non-m
arkup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 1.47\tab \up0 \expndtw-1\charscalex100 1.68\tab \up0 \ex
pndtw-1\charscalex100 8.77\tab \up0 \expndtw-1\charscalex100 8.86\tab \up0 \expn
dtw-1\charscalex100 11.19\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163
\tx9104\tx10244\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 30.16\tab \up0 \expndtw-1\charscalex100 27.74\tab \up0 \expndt
w-1\charscalex100 -225.26\tab \up0 \expndtw-1\charscalex100 -41.29\tab \up0 \exp
ndtw-1\charscalex100 110.14\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li90

0\sb0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\

charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total as
sets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3
5.69%\tab \up0 \expndtw-1\charscalex100 19.72%\tab \up0 \expndtw-1\charscalex100
19.11%\tab \up0 \expndtw-1\charscalex100 16.55%\tab \up0 \expndtw-1\charscalex1
00 18.06%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\
tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment
to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 3.16%\tab \up0 \expndtw-1\charscalex100 3.43%\tab \up0 \expndtw-1\charsc
alex100 3.29%\tab \up0 \expndtw-1\charscalex100 5.25%\tab \up0 \expndtw-1\charsc
alex100 10.47%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx1
0217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advan
ces net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 45.36%\tab \up0 \expndtw-1\charscalex100 50.82%\tab
\up0 \expndtw-1\charscalex100 49.11%\tab \up0 \expndtw-1\charscalex100 37.91%\t
ab \up0 \expndtw-1\charscalex100 41.92%\par\pard\li900\sb39\sl-155\slmult0\fi44\
tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 11.37%\tab \up0 \expndtw-1\charscalex100 13.0
0%\tab \up0 \expndtw-1\charscalex100 13.40%\tab \up0 \expndtw-1\charscalex100 25
.06%\tab \up0 \expndtw-1\charscalex100 17.01%\par\pard\li900\sb6\sl-161\slmult0\
fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80.61%\tab \up0 \expndtw-1\char
scalex100 68.18%\tab \up0 \expndtw-1\charscalex100 73.05%\tab \up0 \expndtw-1\ch
arscalex100 61.36%\tab \up0 \expndtw-1\charscalex100 32.42%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 470.89%\tab \up0 \exp
ndtw-1\charscalex100 465.65%\tab \up0 \expndtw-1\charscalex100 445.12%\tab \up0
\expndtw-1\charscalex100 193.32%\tab \up0 \expndtw-1\charscalex100 312.14%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11223 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowi
ng & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 67.49%\tab \up0 \expndtw-1\charscalex100 90.47%\tab \up0 \expndtw-1\char
scalex100 83.13%\tab \up0 \expndtw-1\charscalex100 81.43%\tab \up0 \expndtw-1\ch
arscalex100 173.81%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\s
b0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances
(C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.42%\
tab \up0 \expndtw-1\charscalex100 47.07%\tab \up0 \expndtw-1\charscalex100 50.30
%\tab \up0 \expndtw-1\charscalex100 46.45%\tab \up0 \expndtw-1\charscalex100 32.
76%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10217\tx1129
7 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provisions again
st NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \
expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21.74%\tab \up0 \expndtw-1\charsca
lex100 21.06%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx8973\tx10
143\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs t
o shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 348.08%\tab \up0 \expndtw-1\charscalex100 396.49%\tab \up0 \expndtw
-1\charscalex100 4,708.33%\tab \up0 \expndtw-1\charscalex100 148.88%\tab \up0 \e
xpndtw-1\charscalex100 41.02%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx
8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 26.00%\tab \up0 \expndtw-1\charscalex100 0.2
5%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 9.8
7%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu

persub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1

\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.37%\tab \up0 \expndtw-1\charscal
ex100 34.15%\tab \up0 \expndtw-1\charscalex100 35.10%\tab \up0 \expndtw-1\charsc
alex100 46.81%\tab \up0 \expndtw-1\charscalex100 64.28%\par\pard\li900\sb14\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Ca
pital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7037\tx8117\tx9
197\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 5.30%\tab \up0 \expndtw-1\charscalex100 7.19%\tab \up0 \expndtw-1\charscal
ex100 0.64%\tab \up0 \expndtw-1\charscalex100 15.11%\tab \up0 \expndtw-1\charsca
lex100 42.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9168\tx10
383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commit
ments & contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.03\tab \up0 \expndtw-1\charscalex100 8.47
\tab \up0 \expndtw-1\charscalex100 132.63\tab \up0 \expndtw-1\charscalex100 0.10
\tab \up0 \expndtw-1\charscalex100 0.06\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7008\tx8088\tx9243\tx10248\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 217.28\tab \up0 \expndtw-1\charscalex100 245
.65\tab \up0 \expndtw-1\charscalex100 20.10\tab \up0 \expndtw-1\charscalex100 52
9.63\tab \up0 \expndtw-1\charscalex100 1,398.07\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7143\tx8223\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.15\tab \up0 \expndtw1\charscalex100 1.81\tab \up0 \expndtw-1\charscalex100 21.03\tab \up0 \expndtw-1
\charscalex100 1.66\tab \up0 \expndtw-1\charscalex100 0.40\par\pard\ql \li944\sb
7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.C
ash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7079\tx8084\tx9303\tx10
323\tx11399 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash g
enerated from opration activities to profit after tax (E4/D10) (times)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -7.24\tab \up0 \expndtw-1
\charscalex100 -30.94\tab \up0 \expndtw-1\charscalex100 0.33\tab \up0 \expndtw-1
\charscalex100 11.89\tab \up0 \expndtw-1\charscalex100 -5.27\par\pard\ql \li6089
\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\s
b0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 61
{\shp {\*\shpinst\shpleft900\shptop14760\shpright11790\shpbottom14760\shpfhdr0\s
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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{\shp {\*\shpinst\shpleft6930\shptop539\shpright10440\shpbottom727\shpfhdr0\shpb
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{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g70}{\bkmkend Pg70}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 ZARAI TARAQIATI BANK LTD. (ZTBL)\tab \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex
100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \ex
pndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expn
dtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\t
x8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 14,282,155\tab \up0 \expndtw-1\charscalex100 16,888,812\tab \up0 \exp
ndtw-1\charscalex100 16,888,812\tab \up0 \expndtw-1\charscalex100 20,862,475\tab
\up0 \expndtw-1\charscalex100 23,007,624\par\pard\li900\sb0\sl-161\slmult0\fi19
4\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 11,869,612\tab \up0 \expndtw-1\charscalex100 12,522,441\tab \u
p0 \expndtw-1\charscalex100 12,522,441\tab \up0 \expndtw-1\charscalex100 12,522,
441\tab \up0 \expndtw-1\charscalex100 12,522,441\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 565,911\tab \up0 \expndtw-1\charscalex100 1,086,169\tab \u
p0 \expndtw-1\charscalex100 1,086,169\tab \up0 \expndtw-1\charscalex100 1,884,41
1\tab \up0 \expndtw-1\charscalex100 2,313,441\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 1,846,632\tab \up0 \expndtw-1\charscalex100 3,2
80,202\tab \up0 \expndtw-1\charscalex100 3,280,202\tab \up0 \expndtw-1\charscale
x100 6,455,623\tab \up0 \expndtw-1\charscalex100 8,171,742\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 685,516\tab \up0 \expndtw-1\charscalex100 494,448\
tab \up0 \expndtw-1\charscalex100 494,448\tab \up0 \expndtw-1\charscalex100 842,
168\tab \up0 \expndtw-1\charscalex100 1,313,843\par\pard\li900\sb39\sl-155\slmul
t0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 B.Total liabilities(B1 to B4)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 78,434,805\tab \up0 \expndtw-1\charscalex1
00 84,988,553\tab \up0 \expndtw-1\charscalex100 84,988,553\tab \up0 \expndtw-1\c
harscalex100 95,881,306\tab \up0 \expndtw-1\charscalex100 98,146,493\par\pard\li
900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 392,726\tab \up0 \expndtw-1\charsc
alex100 613,378\tab \up0 \expndtw-1\charscalex100 613,378\tab \up0 \expndtw-1\ch
arscalex100 306,040\tab \up0 \expndtw-1\charscalex100 208,117\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\chars

calex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\

tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 51,257,213\tab \
up0 \expndtw-1\charscalex100 51,257,213\tab \up0 \expndtw-1\charscalex100 51,257
,213\tab \up0 \expndtw-1\charscalex100 51,257,213\tab \up0 \expndtw-1\charscalex
100 51,257,213\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1
0053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Depos
its and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 4,322,244\tab \up0 \expndtw-1\charscalex100 5,425,170\tab \up0 \expndtw-1
\charscalex100 5,425,170\tab \up0 \expndtw-1\charscalex100 9,602,772\tab \up0 \e
xpndtw-1\charscalex100 8,962,457\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753
\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 22,462,622\tab \up0 \expndtw-1\charscalex100 27,692,792\tab
\up0 \expndtw-1\charscalex100 27,692,792\tab \up0 \expndtw-1\charscalex100 34,71
5,281\tab \up0 \expndtw-1\charscalex100 37,718,706\par\pard\li900\sb39\sl-155\sl
mult0\fi44\tx6753\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93,402,476\tab \up0 \expndtw-1\
charscalex100 102,371,813\tab \up0 \expndtw-1\charscalex100 102,371,813\tab \up0
\expndtw-1\charscalex100 117,585,949\tab \up0 \expndtw-1\charscalex100 122,467,
960\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances
with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 2,103,682\tab \up0 \expndtw-1\charscalex100 1,732,495\tab \up0 \expndtw-1\c
harscalex100 1,732,495\tab \up0 \expndtw-1\charscalex100 2,745,611\tab \up0 \exp
ndtw-1\charscalex100 3,056,462\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\t
x7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 12,054,304\tab \up0 \expndtw-1\charscalex100 16,005,460\tab
\up0 \expndtw-1\charscalex100 16,005,460\tab \up0 \expndtw-1\charscalex100 10,91
6,739\tab \up0 \expndtw-1\charscalex100 11,176,444\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscale
x100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\t
ab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 7,504,233\tab \up0 \expndtw-1\charscalex100 4,955,690\tab \up0 \expnd
tw-1\charscalex100 4,955,690\tab \up0 \expndtw-1\charscalex100 7,841,698\tab \up
0 \expndtw-1\charscalex100 12,047,958\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 70,540,426\tab \up0 \expndtw-1\charscalex100 77,770,248\tab \up0
\expndtw-1\charscalex100 77,770,248\tab \up0 \expndtw-1\charscalex100 92,466,91
9\tab \up0 \expndtw-1\charscalex100 92,032,077\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,708,290\tab \up0 \expndtw-1\char
scalex100 12,985,615\tab \up0 \expndtw-1\charscalex100 12,985,615\tab \up0 \expn
dtw-1\charscalex100 17,244,928\tab \up0 \expndtw-1\charscalex100 19,924,581\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advanc
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,227,420\tab
\up0 \expndtw-1\charscalex100 7,846,751\tab \up0 \expndtw-1\charscalex100 7,846
,751\tab \up0 \expndtw-1\charscalex100 7,674,325\tab \up0 \expndtw-1\charscalex1
00 7,288,371\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx999
3\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances
net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 61,313,006\tab \up0 \expndtw-1\charscalex100 69,923,497\tab \up0 \expn

dtw-1\charscalex100 69,923,497\tab \up0 \expndtw-1\charscalex100 84,792,594\tab

\up0 \expndtw-1\charscalex100 84,743,706\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 867,435\tab \up0 \expndtw-1\charscalex100 1,144,222\tab \up0 \
expndtw-1\charscalex100 1,144,222\tab \up0 \expndtw-1\charscalex100 1,131,733\ta
b \up0 \expndtw-1\charscalex100 1,167,167\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7893\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 9,559,816\tab \up0 \expndtw-1\charscalex100 8,610,449\t
ab \up0 \expndtw-1\charscalex100 8,610,449\tab \up0 \expndtw-1\charscalex100 10,
157,574\tab \up0 \expndtw-1\charscalex100 10,276,223\par\pard\li900\sb14\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profi
t & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx
10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Mark
up/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 7,033,400\tab \up0 \expndtw-1\charscalex100 8,484,623\tab \up0 \expndtw-1\cha
rscalex100 8,484,623\tab \up0 \expndtw-1\charscalex100 8,896,701\tab \up0 \expnd
tw-1\charscalex100 9,510,328\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 3,418,023\tab \up0 \expndtw-1\charscalex100 3,489,411\tab \u
p0 \expndtw-1\charscalex100 3,489,411\tab \up0 \expndtw-1\charscalex100 3,713,76
5\tab \up0 \expndtw-1\charscalex100 3,794,737\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 3,615,377\tab \up0 \expndtw-1\charscalex1
00 4,995,212\tab \up0 \expndtw-1\charscalex100 4,995,212\tab \up0 \expndtw-1\cha
rscalex100 5,182,936\tab \up0 \expndtw-1\charscalex100 5,715,591\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,657,651\tab \up0 \expnd
tw-1\charscalex100 1,924,259\tab \up0 \expndtw-1\charscalex100 1,924,259\tab \up
0 \expndtw-1\charscalex100 1,365,722\tab \up0 \expndtw-1\charscalex100 682,240\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx7893\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest
income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 (42,274)\tab \up0 \expndtw-1\charscalex100 3,070,953\tab \up0 \expndtw1\charscalex100 3,070,953\tab \up0 \expndtw-1\charscalex100 3,817,214\tab \up0 \
expndtw-1\charscalex100 5,033,351\par\pard\li900\sb19\sl-161\slmult0\fi194\tx681
3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 5,727,636\tab \up0 \expndtw-1\charscalex100 5,788,726
\tab \up0 \expndtw-1\charscalex100 5,788,726\tab \up0 \expndtw-1\charscalex100 4
,351,104\tab \up0 \expndtw-1\charscalex100 3,070,319\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,855,891\tab \up0 \expndtw-1\ch
arscalex100 4,861,046\tab \up0 \expndtw-1\charscalex100 4,861,046\tab \up0 \expn
dtw-1\charscalex100 5,290,476\tab \up0 \expndtw-1\charscalex100 4,826,511\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,778,579\tab \up0
\expndtw-1\charscalex100 4,520,475\tab \up0 \expndtw-1\charscalex100 4,520,475\
tab \up0 \expndtw-1\charscalex100 5,290,275\tab \up0 \expndtw-1\charscalex100 4,
502,846\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss
) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,799,105\tab \up0 \expndtw-1\charscalex100 3,998,633\tab \up0 \expndtw-1\char
scalex100 3,998,633\tab \up0 \expndtw-1\charscalex100 2,877,842\tab \up0 \expndt

w-1\charscalex100 3,277,159\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1,041,451\tab \up0 \expndtw-1\charscalex100 2,606,657\tab
\up0 \expndtw-1\charscalex100 2,606,657\tab \up0 \expndtw-1\charscalex100 1,864,
286\tab \up0 \expndtw-1\charscalex100 2,145,149\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other item
s\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary sha
res\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,186,961\ta
b \up0 \expndtw-1\charscalex100 1,252,244\tab \up0 \expndtw-1\charscalex100 1,25
2,244\tab \up0 \expndtw-1\charscalex100 1,252,244\tab \up0 \expndtw-1\charscalex
100 1,252,244\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10
248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash d
ividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus s
hares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from oper
ating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
6,800,178\tab \up0 \expndtw-1\charscalex100 1,582,580\tab \up0 \expndtw-1\chars
calex100 1,582,580\tab \up0 \expndtw-1\charscalex100 2,199,488\tab \up0 \expndtw
-1\charscalex100 4,472,813\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx783
3\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 5.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 7,744,389\tab \up0 \expndtw-1\charscalex100 11,311,906\tab \u
p0 \expndtw-1\charscalex100 11,311,906\tab \up0 \expndtw-1\charscalex100 11,365,
577\tab \up0 \expndtw-1\charscalex100 10,535,082\par\pard\li900\sb14\sl-184\slmu
lt0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficienc
y ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 51.40%\tab \up0 \expndtw-1\charscalex100 58.87%\tab \up0 \expndtw1\charscalex100 58.87%\tab \up0 \expndtw-1\charscalex100 58.26%\tab \up0 \expndt
w-1\charscalex100 60.10%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 3.87%\tab \up0 \expndtw-1\charscalex100 4.88%\tab \u
p0 \expndtw-1\charscalex100 4.88%\tab \up0 \expndtw-1\charscalex100 4.41%\tab \u
p0 \expndtw-1\charscalex100 4.67%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx714
3\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 0.07\tab \up0 \expndtw-1\charscalex100 0.15\tab \up
0 \expndtw-1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 0.09\tab \up0
\expndtw-1\charscalex100 0.09\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx
8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 1.12%\tab \up0 \expndtw-1\charscalex100 2.55%\tab \up0
\expndtw-1\charscalex100 2.55%\tab \up0 \expndtw-1\charscalex100 1.59%\tab \up0
\expndtw-1\charscalex100 1.75%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\t
x8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.13%\tab \up0 \expndtw-1\chars
calex100 5.65%\tab \up0 \expndtw-1\charscalex100 5.65%\tab \up0 \expndtw-1\chars
calex100 3.70%\tab \up0 \expndtw-1\charscalex100 2.51%\par\pard\li900\sb19\sl-16

1\slmult0\fi194\tx6975\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex1

00 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after prov.) to
total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 -0.05%\tab \up0 \expndtw-1\charscalex100 3.00%\tab \up0 \expndtw-1\charscalex
100 3.00%\tab \up0 \expndtw-1\charscalex100 3.25%\tab \up0 \expndtw-1\charscalex
100 4.11%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/int
erest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 48.60%\tab \up0 \expndtw-1\charscalex100 41.13
%\tab \up0 \expndtw-1\charscalex100 41.13%\tab \up0 \expndtw-1\charscalex100 41.
74%\tab \up0 \expndtw-1\charscalex100 39.90%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 8.Admin. expense to profit before tax. (D8/D9) (times)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.10\tab \up0 \exp
ndtw-1\charscalex100 1.13\tab \up0 \expndtw-1\charscalex100 1.13\tab \up0 \expnd
tw-1\charscalex100 1.84\tab \up0 \expndtw-1\charscalex100 1.37\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to tota
l income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 30.22%\tab \up0 \expndtw-1\charscalex100 34.06%\tab \up0 \expndtw-1\charscal
ex100 34.06%\tab \up0 \expndtw-1\charscalex100 39.93%\tab \up0 \expndtw-1\charsc
alex100 38.36%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1
0383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admi
n. expense to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0.66\tab \up0 \expndtw-1\charscalex10
0 0.78\tab \up0 \expndtw-1\charscalex100 0.78\tab \up0 \expndtw-1\charscalex100
1.22\tab \up0 \expndtw-1\charscalex100 1.47\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 0.88\tab \up0 \expndtw-1\charscalex100 2.08\
tab \up0 \expndtw-1\charscalex100 2.08\tab \up0 \expndtw-1\charscalex100 1.49\ta
b \up0 \expndtw-1\charscalex100 1.71\par\pard\li900\sb14\sl-184\slmult0\fi44 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\
pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to
total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 15.16%\tab \up0 \expndtw-1\charscalex100 17.33%\tab \up0 \expndtw-1\char
scalex100 17.33%\tab \up0 \expndtw-1\charscalex100 11.62%\tab \up0 \expndtw-1\ch
arscalex100 11.62%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198
\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.I
nvestment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 8.03%\tab \up0 \expndtw-1\charscalex100 4.84%\tab \up0 \expndtw
-1\charscalex100 4.84%\tab \up0 \expndtw-1\charscalex100 6.67%\tab \up0 \expndtw
-1\charscalex100 9.84%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Advances net of provisions to total assets (C8/C)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 65.64%\tab \up0 \expndtw-1\charscalex100 68
.30%\tab \up0 \expndtw-1\charscalex100 68.30%\tab \up0 \expndtw-1\charscalex100
72.11%\tab \up0 \expndtw-1\charscalex100 69.20%\par\pard\li900\sb39\sl-155\slmul
t0\fi44\tx7038\tx8118\tx9198\tx10278\tx11358 \dn3 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 4.63%\tab \up0 \expndtw-1\charscalex1
00 5.30%\tab \up0 \expndtw-1\charscalex100 5.30%\tab \up0 \expndtw-1\charscalex1
00 8.17%\tab \up0 \expndtw-1\charscalex100 7.32%\par\pard\li900\sb6\sl-161\slmul
t0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 83.98%\tab \up0 \expndtw-1\c
harscalex100 83.02%\tab \up0 \expndtw-1\charscalex100 83.02%\tab \up0 \expndtw-1
\charscalex100 81.54%\tab \up0 \expndtw-1\charscalex100 80.14%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10143\tx11133 \dn2 \expndtw-2\cha

rscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\ta

b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,632.03%\tab \up0
\expndtw-1\charscalex100 1,433.51%\tab \up0 \expndtw-1\charscalex100 1,433.51%\
tab \up0 \expndtw-1\charscalex100 962.92%\tab \up0 \expndtw-1\charscalex100 1,02
6.86%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11
223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances
to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 126.92%\tab \up0 \expndtw-1\charscalex100 137.20%\tab \up0 \e
xpndtw-1\charscalex100 137.20%\tab \up0 \expndtw-1\charscalex100 151.93%\tab \up
0 \expndtw-1\charscalex100 152.83%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\p
ar\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to
gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 23.69%\tab \up0 \expndtw-1\charscalex100 16.70%\tab \up0 \expndtw-1\char
scalex100 16.70%\tab \up0 \expndtw-1\charscalex100 18.65%\tab \up0 \expndtw-1\ch
arscalex100 21.65%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464
\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.P
rovisions against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex1
00 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.30%\tab \up0 \exp
ndtw-1\charscalex100 7.92%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.NPLs to shareholders equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 116.99%\tab \up0 \expndtw-1\charscalex100 76.89%\tab \
up0 \expndtw-1\charscalex100 76.89%\tab \up0 \expndtw-1\charscalex100 82.66%\tab
\up0 \expndtw-1\charscalex100 86.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 39.64%\tab \up0 \expndtw-1\charscale
x100 24.52%\tab \up0 \expndtw-1\charscalex100 24.52%\tab \up0 \expndtw-1\charsca
lex100 17.80%\tab \up0 \expndtw-1\charscalex100 9.36%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55.23%\tab \up0 \expndtw
-1\charscalex100 60.43%\tab \up0 \expndtw-1\charscalex100 60.43%\tab \up0 \expnd
tw-1\charscalex100 44.50%\tab \up0 \expndtw-1\charscalex100 36.58%\par\pard\li90
0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 I.Capital /leverage ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978
\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 15.29%\tab \up0 \expndtw-1\charscalex100 16.50%\tab \up0 \expnd
tw-1\charscalex100 16.50%\tab \up0 \expndtw-1\charscalex100 17.74%\tab \up0 \exp
ndtw-1\charscalex100 18.79%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx82
23\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.54\tab \up0 \expndtw-1\char
scalex100 0.67\tab \up0 \expndtw-1\charscalex100 0.67\tab \up0 \expndtw-1\charsc
alex100 0.54\tab \up0 \expndtw-1\charscalex100 0.46\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.03\tab \up0 \expndtw-1\charsc
alex100 13.49\tab \up0 \expndtw-1\charscalex100 13.49\tab \up0 \expndtw-1\charsc
alex100 16.66\tab \up0 \expndtw-1\charscalex100 18.37\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Total deposit to total equity (B3/A) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.30\tab \up0 \ex
pndtw-1\charscalex100 0.32\tab \up0 \expndtw-1\charscalex100 0.32\tab \up0 \expn
dtw-1\charscalex100 0.46\tab \up0 \expndtw-1\charscalex100 0.39\par\pard\ql \li9
44\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1

6 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9303

\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash generated from opration activities to profit after tax (E4/D10) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.53\tab \up0 \expnd
tw-1\charscalex100 0.61\tab \up0 \expndtw-1\charscalex100 0.61\tab \up0 \expndtw
-1\charscalex100 1.18\tab \up0 \expndtw-1\charscalex100 2.09\par\pard\ql \li6089
\sb0\sl-161\slmult0 \par\pard\ql\li6089\sb0\sl-161\slmult0 \par\pard\ql\li6089\s
b0\sl-161\slmult0 \par\pard\ql\li6089\sb63\sl-161\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 62
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g71}{\bkmkend Pg71}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 Foreign Banks - Overall\tab \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmul
t0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\
nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\c
harscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\cha
rscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9
993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total
equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 19,419,964\tab \up0 \expndtw-1\charscalex100 34,504,276\tab \up0 \expndtw-1\ch

arscalex100 35,848,774\tab \up0 \expndtw-1\charscalex100 34,798,653\tab \up0 \ex

pndtw-1\charscalex100 42,686,834\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6753\
tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Head office capital account\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 17,085,491\tab \up0 \expndtw-1\charscalex100 32,130,320\t
ab \up0 \expndtw-1\charscalex100 34,884,218\tab \up0 \expndtw-1\charscalex100 33
,990,807\tab \up0 \expndtw-1\charscalex100 38,719,753\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7278\tx8058\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 75,785\tab \up0 \
expndtw-1\charscalex100 92,715\tab \up0 \expndtw-1\charscalex100 125,573\tab \up
0 \expndtw-1\charscalex100 149,286\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7893\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Unremitted profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 2,334,473\tab \up0 \expndtw-1\charscalex100 2,298,171\tab \up0
\expndtw-1\charscalex100 871,841\tab \up0 \expndtw-1\charscalex100 682,273\tab \
up0 \expndtw-1\charscalex100 3,817,795\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6930\tx7950\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 (59,198)\tab \up0 \expndtw-1\charscalex100 (532,853)\tab \up0 \expndtw
-1\charscalex100 (109,477)\tab \up0 \expndtw-1\charscalex100 (290,802)\tab \up0
\expndtw-1\charscalex100 (156,810)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx667
8\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 153,332,311\tab \up0 \expndtw-1\charscalex100 200,590,
252\tab \up0 \expndtw-1\charscalex100 205,297,310\tab \up0 \expndtw-1\charscalex
100 198,745,518\tab \up0 \expndtw-1\charscalex100 212,744,960\par\pard\li900\sb6
\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 3,746,900\tab \up0 \expndtw-1\charscalex1
00 4,423,404\tab \up0 \expndtw-1\charscalex100 3,597,659\tab \up0 \expndtw-1\cha
rscalex100 5,563,282\tab \up0 \expndtw-1\charscalex100 3,985,328\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutio
ns\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,465,228\ta
b \up0 \expndtw-1\charscalex100 17,346,929\tab \up0 \expndtw-1\charscalex100 16,
730,580\tab \up0 \expndtw-1\charscalex100 15,425,137\tab \up0 \expndtw-1\charsca
lex100 21,464,351\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838\
tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Dep
osits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 117,101,206\tab \up0 \expndtw-1\charscalex100 147,938,165\tab \up0 \exp
ndtw-1\charscalex100 160,936,430\tab \up0 \expndtw-1\charscalex100 156,330,793\t
ab \up0 \expndtw-1\charscalex100 167,870,827\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 13,018,977\tab \up0 \expndtw-1\charscalex100 30,
881,754\tab \up0 \expndtw-1\charscalex100 24,032,641\tab \up0 \expndtw-1\charsca
lex100 21,426,306\tab \up0 \expndtw-1\charscalex100 19,424,454\par\pard\li900\sb
39\sl-155\slmult0\fi44\tx6678\tx7758\tx8838\tx9918\tx10998 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 172,693,077\tab \up
0 \expndtw-1\charscalex100 234,561,675\tab \up0 \expndtw-1\charscalex100 241,036
,607\tab \up0 \expndtw-1\charscalex100 233,253,369\tab \up0 \expndtw-1\charscale
x100 255,274,984\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx
9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 23,923,775\tab \up0 \expndtw-1\charscalex100 34,935,292\tab \up
0 \expndtw-1\charscalex100 34,793,226\tab \up0 \expndtw-1\charscalex100 32,794,5
41\tab \up0 \expndtw-1\charscalex100 38,476,243\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6813\tx7833\tx8913\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0

\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charsc

alex100 \ul0\nosupersub\cf56\f57\fs12 5,297,596\tab \up0 \expndtw-1\charscalex10
0 18,369,224\tab \up0 \expndtw-1\charscalex100 16,269,846\tab \up0 \expndtw-1\ch
arscalex100 4,071,743\tab \up0 \expndtw-1\charscalex100 4,428,638\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,408,831\tab \u
p0 \expndtw-1\charscalex100 29,913,984\tab \up0 \expndtw-1\charscalex100 32,117,
954\tab \up0 \expndtw-1\charscalex100 36,480,166\tab \up0 \expndtw-1\charscalex1
00 18,354,071\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx99
93\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investm
ents\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26,427,145\
tab \up0 \expndtw-1\charscalex100 22,592,924\tab \up0 \expndtw-1\charscalex100 5
2,372,610\tab \up0 \expndtw-1\charscalex100 79,809,697\tab \up0 \expndtw-1\chars
calex100 113,381,404\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx89
13\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9
0,666,390\tab \up0 \expndtw-1\charscalex100 104,440,711\tab \up0 \expndtw-1\char
scalex100 95,113,870\tab \up0 \expndtw-1\charscalex100 71,494,989\tab \up0 \expn
dtw-1\charscalex100 73,215,564\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1,177,223\tab \up0 \expndtw-1\charscalex100 3,136,
262\tab \up0 \expndtw-1\charscalex100 6,390,991\tab \up0 \expndtw-1\charscalex10
0 9,092,759\tab \up0 \expndtw-1\charscalex100 7,600,522\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,211,458\tab \up0 \expndtw-1\cha
rscalex100 2,519,229\tab \up0 \expndtw-1\charscalex100 4,788,386\tab \up0 \expnd
tw-1\charscalex100 5,866,992\tab \up0 \expndtw-1\charscalex100 6,803,909\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7758\tx8913\tx9993\tx11073 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C
5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 88,454,932
\tab \up0 \expndtw-1\charscalex100 101,921,482\tab \up0 \expndtw-1\charscalex100
90,325,484\tab \up0 \expndtw-1\charscalex100 65,627,997\tab \up0 \expndtw-1\cha
rscalex100 66,411,655\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
,967,593\tab \up0 \expndtw-1\charscalex100 3,697,504\tab \up0 \expndtw-1\charsca
lex100 3,589,490\tab \up0 \expndtw-1\charscalex100 2,223,119\tab \up0 \expndtw-1
\charscalex100 2,176,487\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\
tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 10,213,205\tab \up0 \expndtw-1\charscalex100 23,131,265\tab \up0 \expndt
w-1\charscalex100 11,567,997\tab \up0 \expndtw-1\charscalex100 12,246,106\tab \u
p0 \expndtw-1\charscalex100 12,046,486\par\pard\li900\sb14\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss accou
nt\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest ear
ned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,246,222\t
ab \up0 \expndtw-1\charscalex100 18,232,589\tab \up0 \expndtw-1\charscalex100 22
,263,026\tab \up0 \expndtw-1\charscalex100 20,412,048\tab \up0 \expndtw-1\charsc
alex100 24,027,713\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913
\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.M
arkup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 8,144,883\tab \up0 \expndtw-1\charscalex100 9,098,668\tab \up0 \expndtw1\charscalex100 12,197,135\tab \up0 \expndtw-1\charscalex100 5,093,661\tab \up0
\expndtw-1\charscalex100 12,183,100\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7893\tx8913\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul

0\nosupersub\cf56\f57\fs12 7,101,339\tab \up0 \expndtw-1\charscalex100 9,133,921

\tab \up0 \expndtw-1\charscalex100 10,065,891\tab \up0 \expndtw-1\charscalex100
9,890,805\tab \up0 \expndtw-1\charscalex100 11,844,613\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,739,112\tab \up0 \expndtw-1\chars
calex100 4,568,218\tab \up0 \expndtw-1\charscalex100 4,727,009\tab \up0 \expndtw
-1\charscalex100 2,621,491\tab \up0 \expndtw-1\charscalex100 1,346,793\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income af
ter provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
,362,227\tab \up0 \expndtw-1\charscalex100 4,609,161\tab \up0 \expndtw-1\charsca
lex100 5,340,538\tab \up0 \expndtw-1\charscalex100 7,313,652\tab \up0 \expndtw-1
\charscalex100 10,540,008\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 4,922,361\tab \up0 \expndtw-1\charscalex100 5,772,095\tab \up0
\expndtw-1\charscalex100 5,608,678\tab \up0 \expndtw-1\charscalex100 4,838,183\t
ab \up0 \expndtw-1\charscalex100 4,551,421\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6813\tx7833\tx8913\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 6,776,950\tab \up0 \expndtw-1\charscalex100
10,374,744\tab \up0 \expndtw-1\charscalex100 12,054,031\tab \up0 \expndtw-1\char
scalex100 9,536,841\tab \up0 \expndtw-1\charscalex100 9,730,146\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,854,906\tab \up0 \expndtw1\charscalex100 10,318,250\tab \up0 \expndtw-1\charscalex100 11,898,100\tab \up0
\expndtw-1\charscalex100 9,360,937\tab \up0 \expndtw-1\charscalex100 9,633,773\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx8133\tx9030\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before
taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,507,
638\tab \up0 \expndtw-1\charscalex100 6,512\tab \up0 \expndtw-1\charscalex100 (8
50,572)\tab \up0 \expndtw-1\charscalex100 2,046,648\tab \up0 \expndtw-1\charscal
ex100 5,600,422\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9030\tx
10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Pro
fit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,759,748\tab \up0 \expndtw-1\charscalex100 650,623\tab \up0 \expndtw1\charscalex100 (809,378)\tab \up0 \expndtw-1\charscalex100 959,711\tab \up0 \ex
pndtw-1\charscalex100 3,660,658\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900
\sb1\sl-161\slmult0\fi194\tx6870\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating activi
ties\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (834,422)\t
ab \up0 \expndtw-1\charscalex100 32,730,565\tab \up0 \expndtw-1\charscalex100 26
,615,972\tab \up0 \expndtw-1\charscalex100 12,685,046\tab \up0 \expndtw-1\charsc
alex100 28,223,861\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7758\tx8838
\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Co
mmitments and contingencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 512,987,891\tab \up0 \expndtw-1\charscalex100 400,482,828\tab \up0 \
expndtw-1\charscalex100 389,092,022\tab \up0 \expndtw-1\charscalex100 445,240,80
7\tab \up0 \expndtw-1\charscalex100 456,416,758\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency
ratios/Profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 46.58%\tab \up0 \expndtw-1\charscalex100 50.10%\tab \up0 \expndtw-1
\charscalex100 45.21%\tab \up0 \expndtw-1\charscalex100 48.46%\tab \up0 \expndtw
-1\charscalex100 49.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\t
x9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1

4 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\

nosupersub\cf56\f57\fs12 4.11%\tab \up0 \expndtw-1\charscalex100 3.89%\tab \up0
\expndtw-1\charscalex100 4.18%\tab \up0 \expndtw-1\charscalex100 6.57%\tab \up0
\expndtw-1\charscalex100 4.64%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\t
x8118\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 9.06%\tab \up0 \expndtw-1\charscalex100 1.89%\tab \up0
\expndtw-1\charscalex100 -2.26%\tab \up0 \expndtw-1\charscalex100 2.76%\tab \up
0 \expndtw-1\charscalex100 8.58%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038
\tx8118\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1.02%\tab \up0 \expndtw-1\charscalex100 0.28%\tab \u
p0 \expndtw-1\charscalex100 -0.34%\tab \up0 \expndtw-1\charscalex100 0.41%\tab \
up0 \expndtw-1\charscalex100 1.43%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx70
38\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.85%\tab \up0 \expndtw-1\chars
calex100 2.46%\tab \up0 \expndtw-1\charscalex100 2.33%\tab \up0 \expndtw-1\chars
calex100 2.07%\tab \up0 \expndtw-1\charscalex100 1.78%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/Interest income (after prov.) to t
otal assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 2.53%\tab \up0 \expndtw-1\charscalex100 1.97%\tab \up0 \expndtw-1\charscalex10
0 2.22%\tab \up0 \expndtw-1\charscalex100 3.14%\tab \up0 \expndtw-1\charscalex10
0 4.13%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/inter
est expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 53.42%\tab \up0 \expndtw-1\charscalex100 49.90%\ta
b \up0 \expndtw-1\charscalex100 54.79%\tab \up0 \expndtw-1\charscalex100 24.95%\
tab \up0 \expndtw-1\charscalex100 50.70%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx7143\tx7998\tx9164\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 8.Admin expense to profit before tax.(D8/D9) (times)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.33\tab \up0 \expndtw-1
\charscalex100 1,584.50\tab \up0 \expndtw-1\charscalex100 -13.99\tab \up0 \expnd
tw-1\charscalex100 4.57\tab \up0 \expndtw-1\charscalex100 1.72\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to total
income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 33.60%\tab \up0 \expndtw-1\charscalex100 43.22%\tab \up0 \expndtw-1\charscalex
100 43.25%\tab \up0 \expndtw-1\charscalex100 37.77%\tab \up0 \expndtw-1\charscal
ex100 34.05%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx103
83\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin.
exp. to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 1.19\tab \up0 \expndtw-1\charscalex100 1.79\
tab \up0 \expndtw-1\charscalex100 2.12\tab \up0 \expndtw-1\charscalex100 1.93\ta
b \up0 \expndtw-1\charscalex100 2.12\par\pard\li900\sb14\sl-184\slmult0\fi44 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\
pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to
total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 16.92%\tab \up0 \expndtw-1\charscalex100 22.73%\tab \up0 \expndtw-1\char
scalex100 21.18%\tab \up0 \expndtw-1\charscalex100 15.81%\tab \up0 \expndtw-1\ch
arscalex100 16.81%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.I
nvestment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 15.30%\tab \up0 \expndtw-1\charscalex100 9.63%\tab \up0 \expndt
w-1\charscalex100 21.73%\tab \up0 \expndtw-1\charscalex100 34.22%\tab \up0 \expn
dtw-1\charscalex100 44.42%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.Advances net of provision to total assets (C8/C)\tab \up0 \expndtw-1\char

scalex100 \ul0\nosupersub\cf56\f57\fs12 51.22%\tab \up0 \expndtw-1\charscalex100

43.45%\tab \up0 \expndtw-1\charscalex100 37.47%\tab \up0 \expndtw-1\charscalex1
00 28.14%\tab \up0 \expndtw-1\charscalex100 26.02%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Deposits to total assets ( B3/C)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 67.81%\tab \up0 \expndtw-1\chars
calex100 63.07%\tab \up0 \expndtw-1\charscalex100 66.77%\tab \up0 \expndtw-1\cha
rscalex100 67.02%\tab \up0 \expndtw-1\charscalex100 65.76%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 88.79%\tab \up0 \
expndtw-1\charscalex100 85.52%\tab \up0 \expndtw-1\charscalex100 85.17%\tab \up0
\expndtw-1\charscalex100 85.21%\tab \up0 \expndtw-1\charscalex100 83.34%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposit
(C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.43%\t
ab \up0 \expndtw-1\charscalex100 70.60%\tab \up0 \expndtw-1\charscalex100 59.10%
\tab \up0 \expndtw-1\charscalex100 45.73%\tab \up0 \expndtw-1\charscalex100 43.6
1%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to
borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 66.39%\tab \up0 \expndtw-1\charscalex100 63.19%\tab \up0 \expndt
w-1\charscalex100 53.53%\tab \up0 \expndtw-1\charscalex100 41.63%\tab \up0 \expn
dtw-1\charscalex100 38.67%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\
li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross a
dvances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.30%\tab \up0 \expndtw-1\charscalex100 3.00%\tab \up0 \expndtw-1\charscalex100
6.72%\tab \up0 \expndtw-1\charscalex100 12.72%\tab \up0 \expndtw-1\charscalex100
10.38%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx
11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision ag
ainst NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2.44%\tab \up0 \expndtw-1\charscalex100 2.41%\tab \up0 \exp
ndtw-1\charscalex100 5.03%\tab \up0 \expndtw-1\charscalex100 8.21%\tab \up0 \exp
ndtw-1\charscalex100 9.29%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx811
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.NPLs to total equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 6.06%\tab \up0 \expndtw-1\charscalex100 9.09%\tab \up0 \expnd
tw-1\charscalex100 17.83%\tab \up0 \expndtw-1\charscalex100 26.13%\tab \up0 \exp
ndtw-1\charscalex100 17.81%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx79
83\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 4.NPLs write off to NPLs provision (D4/C7)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 123.86%\tab \up0 \expndtw-1\charscalex100 181.3
3%\tab \up0 \expndtw-1\charscalex100 98.72%\tab \up0 \expndtw-1\charscalex100 44
.68%\tab \up0 \expndtw-1\charscalex100 19.79%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6903\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 187.85%\tab \up0 \expndtw-1\char
scalex100 80.33%\tab \up0 \expndtw-1\charscalex100 74.92%\tab \up0 \expndtw-1\ch
arscalex100 64.52%\tab \up0 \expndtw-1\charscalex100 89.52%\par\pard\li900\sb15\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
I.Capital/leverage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 11.25%\tab \up0 \expndtw-1\charscalex100 14.71%\tab \up0 \expndtw-1\cha
rscalex100 14.87%\tab \up0 \expndtw-1\charscalex100 14.92%\tab \up0 \expndtw-1\c
harscalex100 16.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx924
3\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Commitments & contingencies to total equity (E2/A) (times)\tab \up0 \expndtw-1\c

harscalex100 \ul0\nosupersub\cf56\f57\fs12 26.42\tab \up0 \expndtw-1\charscalex1

00 11.61\tab \up0 \expndtw-1\charscalex100 10.85\tab \up0 \expndtw-1\charscalex1
00 12.79\tab \up0 \expndtw-1\charscalex100 10.69\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 3.Total deposit to total equity (B3/A) (times)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.03\tab \up0 \expndtw
-1\charscalex100 4.29\tab \up0 \expndtw-1\charscalex100 4.49\tab \up0 \expndtw-1
\charscalex100 4.49\tab \up0 \expndtw-1\charscalex100 3.93\par\pard\ql \li944\sb
7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.C
ash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7080\tx8163\tx9164\tx10
323\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash g
enerated from operating activities to profit after tax (E1/D10) (times)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.47\tab \up0 \expndtw1\charscalex100 50.31\tab \up0 \expndtw-1\charscalex100 -32.88\tab \up0 \expndtw
-1\charscalex100 13.22\tab \up0 \expndtw-1\charscalex100 7.71\par\pard\ql \li612
7\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\
sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb
0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\
sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb158\
sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 63
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g72}{\bkmkend Pg72}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\

pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no

supersub\cf57\f58\fs24 BARCLAYS BANK PLC\tab \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi9
0\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\
f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsca
lex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscale
x100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx7305\tx7893\tx8973\tx10053\t
x11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equit
y (A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,330,486\tab \up
0 \expndtw-1\charscalex100 6,840,022\tab \up0 \expndtw-1\charscalex100 6,476,901
\tab \up0 \expndtw-1\charscalex100 6,921,917\par\pard\li900\sb0\sl-161\slmult0\f
i194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.Head office capital account\tab \dn2 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,139,90
0\tab \up0 \expndtw-1\charscalex100 9,320,564\tab \up0 \expndtw-1\charscalex100
9,756,756\tab \up0 \expndtw-1\charscalex100 9,756,756\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7305\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \dn2 \expndtw-2\charscalex100 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expnd
tw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha
rscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7950\tx8924\tx100
04\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unremit
ted profit\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 (809,414)\tab \up0 \expndtw-1\charscalex100 (2,48
0,542)\tab \up0 \expndtw-1\charscalex100 (3,279,855)\tab \up0 \expndtw-1\charsca
lex100 (2,834,839)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8133\tx9213
\tx10244\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.O
thers\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 1,507\tab \up0 \expndtw-1\charscalex100 5,578\tab \up0
\expndtw-1\charscalex100 (8,849)\tab \up0 \expndtw-1\charscalex100 2,242\par\pa
rd\li900\sb39\sl-155\slmult0\fi44\tx7305\tx7833\tx8913\tx9993\tx11073 \dn3 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 to B4)
\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,272,040\tab \up0 \expndtw1\charscalex100 35,697,127\tab \up0 \expndtw-1\charscalex100 41,812,643\tab \up0
\expndtw-1\charscalex100 51,099,611\par\pard\li900\sb6\sl-161\slmult0\fi194\tx7
305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Bills payable\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 256,590\tab \up0 \expndtw-1\ch
arscalex100 317,339\tab \up0 \expndtw-1\charscalex100 402,249\tab \up0 \expndtw1\charscalex100 573,408\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\t
x8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Borrowings from financial institutions\tab \dn2 \expndtw-2\charscalex100 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,476,155\tab \up
0 \expndtw-1\charscalex100 2,988,707\tab \up0 \expndtw-1\charscalex100 7,193,234
\tab \up0 \expndtw-1\charscalex100 4,437,328\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7305\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.Deposits and other accounts\tab \dn2 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,557,4
53\tab \up0 \expndtw-1\charscalex100 29,920,456\tab \up0 \expndtw-1\charscalex10
0 32,301,878\tab \up0 \expndtw-1\charscalex100 44,664,909\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 981,842\tab \up0 \expndtw-1\charscalex100 2,470,625\tab \up0 \expndtw-1\charsc
alex100 1,915,282\tab \up0 \expndtw-1\charscalex100 1,423,966\par\pard\li900\sb3
9\sl-155\slmult0\fi44\tx7305\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab

\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,604,033\tab \up0 \expndtw-1\cha
rscalex100 42,542,727\tab \up0 \expndtw-1\charscalex100 48,280,695\tab \up0 \exp
ndtw-1\charscalex100 58,023,770\par\pard\li900\sb6\sl-161\slmult0\fi194\tx7305\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Cash and balances with treasury banks\tab \dn2 \expndtw-2\charscalex1
00 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,609,550\t
ab \up0 \expndtw-1\charscalex100 2,434,134\tab \up0 \expndtw-1\charscalex100 2,9
12,164\tab \up0 \expndtw-1\charscalex100 3,725,801\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 392
,032\tab \up0 \expndtw-1\charscalex100 1,517,901\tab \up0 \expndtw-1\charscalex1
00 2,189,397\tab \up0 \expndtw-1\charscalex100 2,649,904\par\pard\li900\sb19\sl161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1,485,808\tab \up0 \expndtw-1\charscalex100 5,857,743\tab \up0 \expnd
tw-1\charscalex100 1,646,369\tab \up0 \expndtw-1\charscalex100 4,038,234\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8913\tx9993\tx11073 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 9,332,849\tab \up0 \expndtw-1\charscalex100 11,625,172\tab \up0 \expndtw-1\c
harscalex100 21,014,371\tab \up0 \expndtw-1\charscalex100 23,791,214\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \dn2 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 9,713,315\tab \up0 \expndtw-1\charscalex100 18,228,753\tab \up0 \expndtw-1\ch
arscalex100 17,897,052\tab \up0 \expndtw-1\charscalex100 21,506,942\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7305\tx8358\tx9078\tx10158\tx11238 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classifi
ed\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 931,048\tab \up0 \exp
ndtw-1\charscalex100 612,471\tab \up0 \expndtw-1\charscalex100 644,049\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\ta
b \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 33,841\tab \up0 \expndtw-1\charscalex100 194,968\tab \up0 \exp
ndtw-1\charscalex100 460,193\tab \up0 \expndtw-1\charscalex100 508,545\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8913\tx9993\tx11073 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provision (C5C7)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 9,679,474\tab \up0 \expndtw-1\charscalex100 18,033,785\t
ab \up0 \expndtw-1\charscalex100 17,436,859\tab \up0 \expndtw-1\charscalex100 20
,998,397\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10158\t
x11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed asset
s\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1,381,260\tab \up0 \expndtw-1\charscalex100 1,451,343\tab
\up0 \expndtw-1\charscalex100 928,091\tab \up0 \expndtw-1\charscalex100 802,563\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 723,060\tab \up0 \expndtw-1\charscalex100 1,622,649\tab \up0
\expndtw-1\charscalex100 2,153,444\tab \up0 \expndtw-1\charscalex100 2,017,657\
par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi
194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Markup/interest earned\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 832,665\tab \u
p0 \expndtw-1\charscalex100 3,336,395\tab \up0 \expndtw-1\charscalex100 4,391,66

3\tab \up0 \expndtw-1\charscalex100 5,517,128\par\pard\li900\sb19\sl-161\slmult0

\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Markup/interest expenses\tab \dn2 \expndtw-2\charscale
x100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 335,338\t
ab \up0 \expndtw-1\charscalex100 2,000,062\tab \up0 \expndtw-1\charscalex100 2,7
56,649\tab \up0 \expndtw-1\charscalex100 3,507,884\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49
7,327\tab \up0 \expndtw-1\charscalex100 1,336,333\tab \up0 \expndtw-1\charscalex
100 1,635,014\tab \up0 \expndtw-1\charscalex100 2,009,244\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 33,841\tab \up0 \expndtw-1\charscalex100 161,127\tab \up0 \expndtw-1\charsca
lex100 268,149\tab \up0 \expndtw-1\charscalex100 50,886\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisions\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 463,486\tab \up0 \expndtw-1\charscalex100 1,175,206\tab \up0
\expndtw-1\charscalex100 1,366,865\tab \up0 \expndtw-1\charscalex100 1,958,358\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10158\tx11238 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest
income\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 28,515\tab \up0 \expndtw-1\charscalex100 72,953\tab \
up0 \expndtw-1\charscalex100 359,985\tab \up0 \expndtw-1\charscalex100 517,865\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest e
xpenses\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1,700,415\tab \up0 \expndtw-1\charscalex100 3,976,96
4\tab \up0 \expndtw-1\charscalex100 2,486,406\tab \up0 \expndtw-1\charscalex100
2,061,999\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administra
tive expenses\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1,700,315\tab \up0 \expndtw-1\charscalex100 3,
975,517\tab \up0 \expndtw-1\charscalex100 2,484,133\tab \up0 \expndtw-1\charscal
ex100 2,024,219\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7844\tx8924\tx
10004\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Prof
it/(loss) before taxation\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (1,208,414)\tab \up0 \expndtw-1\ch
arscalex100 (2,343,683)\tab \up0 \expndtw-1\charscalex100 (1,224,843)\tab \up0 \
expndtw-1\charscalex100 653,363\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\
tx7950\tx8924\tx10110\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 10.Profit/(loss) after taxation\tab \dn2 \expndtw-2\charscalex100 -\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (809,414)\tab \up0
\expndtw-1\charscalex100 (1,671,128)\tab \up0 \expndtw-1\charscalex100 (799,313
)\tab \up0 \expndtw-1\charscalex100 445,016\par\pard\li900\sb14\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\pa
r\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx9993\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from oper
ating activities\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 5,675,244\tab \up0 \expndtw-1\charscalex100
2,554,422\tab \up0 \expndtw-1\charscalex100 10,264,246\tab \up0 \expndtw-1\char
scalex100 4,181,079\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx897
3\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Commitments and contingencies\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,475,663\tab \up0 \expndtw-1\
charscalex100 8,426,357\tab \up0 \expndtw-1\charscalex100 9,490,085\tab \up0 \ex
pndtw-1\charscalex100 21,707,157\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/Profita

bility ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx102
18\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread
ratio (D3/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 59.73%\tab \up0 \expndtw-1\charscalex100 40.05
%\tab \up0 \expndtw-1\charscalex100 37.23%\tab \up0 \expndtw-1\charscalex100 36.
42%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx1135
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/inter
est margin (D1-D2)/C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 2.02%\tab \up0 \expndtw-1\charscalex100
3.14%\tab \up0 \expndtw-1\charscalex100 3.39%\tab \up0 \expndtw-1\charscalex100
3.46%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7980\tx9060\tx10140\tx1
1358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equ
ity (ROE) (D10/A)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 -12.79%\tab \up0 \expndtw-1\charscalex100
-24.43%\tab \up0 \expndtw-1\charscalex100 -12.34%\tab \up0 \expndtw-1\charscalex
100 6.43%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8055\tx9135\tx10215\
tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on
assets (ROA) (D10/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.29%\tab \up0 \expndtw-1\charscalex10
0 -3.93%\tab \up0 \expndtw-1\charscalex100 -1.66%\tab \up0 \expndtw-1\charscalex
100 0.77%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\
tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup
/interest income to total assets (D6/C)\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.12%\tab \up0 \expn
dtw-1\charscalex100 0.17%\tab \up0 \expndtw-1\charscalex100 0.75%\tab \up0 \expn
dtw-1\charscalex100 0.89%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118
\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 6.Net markup/Interest income (after prov.) to total assets(D5/C)\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 1.88%\tab \up0 \expndtw-1\charscalex100 2.76%\tab \up0 \expndtw-1\chars
calex100 2.83%\tab \up0 \expndtw-1\charscalex100 3.38%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense to markup/interest in
come (D2/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 40.27%\tab \up0 \expndtw-1\charscalex100 59.95%
\tab \up0 \expndtw-1\charscalex100 62.77%\tab \up0 \expndtw-1\charscalex100 63.5
8%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8160\tx9240\tx10320\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin expense to
profit before tax.(D8/D9) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1.41\tab \up0 \expndtw-1\
charscalex100 -1.70\tab \up0 \expndtw-1\charscalex100 -2.03\tab \up0 \expndtw-1\
charscalex100 3.10\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7983\tx9063
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.N
on-markup/interest expense to total income D7/(D1+D6)\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 197.45
%\tab \up0 \expndtw-1\charscalex100 116.65%\tab \up0 \expndtw-1\charscalex100 52
.33%\tab \up0 \expndtw-1\charscalex100 34.17%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7305\tx8163\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 10.Admin. exp. to non-markup/interest income (D8/D6) (ti
mes)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 59.63\tab \up0 \expndtw-1\charscalex100 54.49\tab \up0
\expndtw-1\charscalex100 6.90\tab \up0 \expndtw-1\charscalex100 3.91\par\pard\li
900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\tx811
8\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \dn2 \expndtw-2\char
scalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.14
%\tab \up0 \expndtw-1\charscalex100 9.29%\tab \up0 \expndtw-1\charscalex100 10.5
7%\tab \up0 \expndtw-1\charscalex100 10.99%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos

upersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \dn2 \expndtw-2\ch

arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 37
.93%\tab \up0 \expndtw-1\charscalex100 27.33%\tab \up0 \expndtw-1\charscalex100
43.53%\tab \up0 \expndtw-1\charscalex100 41.00%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Advances net of provision to total assets (C8/C)\tab
\dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 39.34%\tab \up0 \expndtw-1\charscalex100 42.39%\tab \up0 \expnd
tw-1\charscalex100 36.12%\tab \up0 \expndtw-1\charscalex100 36.19%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits to total assets ( B3/C)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 59.17%\tab \up0 \expndtw-1\charscalex100 70.33%\tab \up0 \ex
pndtw-1\charscalex100 66.90%\tab \up0 \expndtw-1\charscalex100 76.98%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total ass
ets (B/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 74.26%\tab \up0 \expndtw-1\charscalex100 83.91%\ta
b \up0 \expndtw-1\charscalex100 86.60%\tab \up0 \expndtw-1\charscalex100 88.07%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to de
posit (C5/B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 66.72%\tab \up0 \expndtw-1\charscalex100 60.92
%\tab \up0 \expndtw-1\charscalex100 55.41%\tab \up0 \expndtw-1\charscalex100 48.
15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances t
o borrowing & deposit C5/(B2+B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57.02%\tab \up0 \expndtw-1\
charscalex100 55.39%\tab \up0 \expndtw-1\charscalex100 45.31%\tab \up0 \expndtw1\charscalex100 43.80%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li90
0\sb0\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advan
ces (C6/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 5.11%\ta
b \up0 \expndtw-1\charscalex100 3.42%\tab \up0 \expndtw-1\charscalex100 2.99%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs
to gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.35%\tab \up0 \expndtw-1\charsca
lex100 1.07%\tab \up0 \expndtw-1\charscalex100 2.57%\tab \up0 \expndtw-1\charsca
lex100 2.36%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9138\tx102
78\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to
total equity (C6/A)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100
13.61%\tab \up0 \expndtw-1\charscalex100 9.46%\tab \up0 \expndtw-1\charscalex10
0 9.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7983\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write o
ff to NPLs provision (D4/C7)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100.00%\tab \up0 \expndtw-1\cha
rscalex100 82.64%\tab \up0 \expndtw-1\charscalex100 58.27%\tab \up0 \expndtw-1\c
harscalex100 10.01%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8385\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Provision against NPL to NPLs (C7/C6)\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 20.94%\tab \up0 \expndtw-1\charscalex100 75.14%\tab \up0 \expndtw1\charscalex100 78.96%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital/leverage ratios\par\pard\li
900\sb0\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \dn2 \ex

pndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f

57\fs12 25.73%\tab \up0 \expndtw-1\charscalex100 16.08%\tab \up0 \expndtw-1\char
scalex100 13.42%\tab \up0 \expndtw-1\charscalex100 11.93%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7305\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equit
y (E2/A) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.39\tab \up0 \expndtw-1\charscalex100 1.23
\tab \up0 \expndtw-1\charscalex100 1.47\tab \up0 \expndtw-1\charscalex100 3.14\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9303\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Total deposit to tota
l equity (B3/A) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.30\tab \up0 \expndtw-1\charscalex1
00 4.37\tab \up0 \expndtw-1\charscalex100 4.99\tab \up0 \expndtw-1\charscalex100
6.45\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi
0\tx7305\tx8160\tx9240\tx10245\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Cash generated from operating activities to profit after ta
x (E1/D10) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 -7.01\tab \up0 \expndtw-1\charscalex100 1.53\tab \up0 \expndtw-1\charscalex100 -12.84\tab \up0 \expndtw-1\charscalex100
9.40\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmul
t0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \
par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \pa
r\pard\ql\li6127\sb158\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 64
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g73}{\bkmkend Pg73}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 CITI BANK N. A.\tab \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\
tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f5
5\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscale
x100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex1
00 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx1
1073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,379
,282\tab \up0 \expndtw-1\charscalex100 9,507,730\tab \up0 \expndtw-1\charscalex1
00 8,652,136\tab \up0 \expndtw-1\charscalex100 9,139,755\tab \up0 \expndtw-1\cha
rscalex100 10,919,505\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Head office capital account\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 5,443,260\tab \up0 \expndtw-1\charscalex100 7,742,345\tab \up0 \exp
ndtw-1\charscalex100 6,780,848\tab \up0 \expndtw-1\charscalex100 6,812,671\tab \
up0 \expndtw-1\charscalex100 6,812,671\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7278\tx8058\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 75,785\tab \up0 \expndtw-1\chars
calex100 92,715\tab \up0 \expndtw-1\charscalex100 125,573\tab \up0 \expndtw-1\ch
arscalex100 149,286\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Unremitted profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 936,022\tab \up0 \expndtw-1\charscalex100 1,689,600\tab \up0 \expndtw-1\charsc
alex100 1,778,573\tab \up0 \expndtw-1\charscalex100 2,201,511\tab \up0 \expndtw1\charscalex100 3,957,548\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx7950
\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (53
,371)\tab \up0 \expndtw-1\charscalex100 (494,658)\tab \up0 \expndtw-1\charscalex
100 (126,721)\tab \up0 \expndtw-1\charscalex100 (274,283)\tab \up0 \expndtw-1\ch
arscalex100 (153,137)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx89
13\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.
Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 86,142,940\tab \up0 \expndtw-1\charscalex100 92,638,755\tab \up0 \e
xpndtw-1\charscalex100 81,255,385\tab \up0 \expndtw-1\charscalex100 88,488,440\t
ab \up0 \expndtw-1\charscalex100 86,136,429\par\pard\li900\sb6\sl-161\slmult0\fi
194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2,120,612\tab \up0 \expndtw-1\charscalex100 1,660,227\tab \
up0 \expndtw-1\charscalex100 1,654,759\tab \up0 \expndtw-1\charscalex100 1,164,2
63\tab \up0 \expndtw-1\charscalex100 2,028,623\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6813\tx7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,977,312\tab \up0 \expndtw-1\
charscalex100 3,152,988\tab \up0 \expndtw-1\charscalex100 5,561,411\tab \up0 \ex
pndtw-1\charscalex100 4,342,038\tab \up0 \expndtw-1\charscalex100 11,231,101\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accou
nts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 68,627,815\t
ab \up0 \expndtw-1\charscalex100 65,484,768\tab \up0 \expndtw-1\charscalex100 58
,147,204\tab \up0 \expndtw-1\charscalex100 68,304,814\tab \up0 \expndtw-1\charsc
alex100 61,678,515\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7833\tx8913

\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ot

her/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 9,417,201\tab \up0 \expndtw-1\charscalex100 22,340,772\tab \up0 \expndtw-1
\charscalex100 15,892,011\tab \up0 \expndtw-1\charscalex100 14,677,325\tab \up0
\expndtw-1\charscalex100 11,198,190\par\pard\li900\sb39\sl-155\slmult0\fi44\tx67
53\tx7758\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 92,468,851\tab \up0 \expndtw-1\charscalex100 1
01,651,827\tab \up0 \expndtw-1\charscalex100 89,780,800\tab \up0 \expndtw-1\char
scalex100 97,353,912\tab \up0 \expndtw-1\charscalex100 96,902,797\par\pard\li900
\sb6\sl-161\slmult0\fi194\tx6813\tx7833\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury ban
ks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,799,117\tab
\up0 \expndtw-1\charscalex100 10,583,830\tab \up0 \expndtw-1\charscalex100 7,70
6,034\tab \up0 \expndtw-1\charscalex100 7,001,789\tab \up0 \expndtw-1\charscalex
100 6,990,879\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10
053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balanc
es with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 192,370\tab \up0 \expndtw-1\charscalex100 7,358,861\tab \up0 \expndtw-1\char
scalex100 2,735,953\tab \up0 \expndtw-1\charscalex100 1,396,604\tab \up0 \expndt
w-1\charscalex100 1,149,455\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx78
33\tx8913\tx9993\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 4,530,449\tab \up0 \expndtw-1\charscalex100 14,166,060\
tab \up0 \expndtw-1\charscalex100 10,155,661\tab \up0 \expndtw-1\charscalex100 1
1,410,316\tab \up0 \expndtw-1\charscalex100 1,339,057\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6753\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 21,276,196\tab \up0 \expndtw-1\charscalex100 9,194,
307\tab \up0 \expndtw-1\charscalex100 33,122,217\tab \up0 \expndtw-1\charscalex1
00 50,236,317\tab \up0 \expndtw-1\charscalex100 60,399,022\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 50,912,294\tab \up0 \expndtw-1\charscalex10
0 43,635,814\tab \up0 \expndtw-1\charscalex100 31,204,853\tab \up0 \expndtw-1\ch
arscalex100 23,731,204\tab \up0 \expndtw-1\charscalex100 24,278,087\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classifi
ed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,044,729\tab
\up0 \expndtw-1\charscalex100 1,955,724\tab \up0 \expndtw-1\charscalex100 3,158
,076\tab \up0 \expndtw-1\charscalex100 4,309,629\tab \up0 \expndtw-1\charscalex1
00 5,506,335\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx100
53\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisi
on against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 1,844,083\tab \up0 \expndtw-1\charscalex100 1,779,065\tab \up0 \expndtw-1\ch
arscalex100 2,959,824\tab \up0 \expndtw-1\charscalex100 4,486,991\tab \up0 \expn
dtw-1\charscalex100 5,457,684\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx
7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 49,068,211\tab \up0 \expndtw-1\charscalex100 41,856,7
49\tab \up0 \expndtw-1\charscalex100 28,245,029\tab \up0 \expndtw-1\charscalex10
0 19,244,213\tab \up0 \expndtw-1\charscalex100 18,820,403\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 1,420,645\tab \up0 \expndtw-1\charscalex100 1
,474,167\tab \up0 \expndtw-1\charscalex100 1,266,456\tab \up0 \expndtw-1\charsca
lex100 865,640\tab \up0 \expndtw-1\charscalex100 634,699\par\pard\li900\sb19\sl161\slmult0\fi194\tx6813\tx7833\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 8,181,863\tab \up0 \expndtw-1\charscale

x100 17,017,853\tab \up0 \expndtw-1\charscalex100 6,549,450\tab \up0 \expndtw-1\

charscalex100 7,199,033\tab \up0 \expndtw-1\charscalex100 7,569,282\par\pard\li9
00\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6753\t
x7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 10,553,668\tab \up0 \expndtw-1\charscalex100 9,943,656\tab \up
0 \expndtw-1\charscalex100 9,983,377\tab \up0 \expndtw-1\charscalex100 9,373,975
\tab \up0 \expndtw-1\charscalex100 10,279,671\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Markup/interest expenses\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 5,071,332\tab \up0 \expndtw-1\charscalex100 4
,144,702\tab \up0 \expndtw-1\charscalex100 4,720,788\tab \up0 \expndtw-1\charsca
lex100 4,241,090\tab \up0 \expndtw-1\charscalex100 4,580,040\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,482,336\tab \up0 \expndtw1\charscalex100 5,798,954\tab \up0 \expndtw-1\charscalex100 5,262,589\tab \up0 \
expndtw-1\charscalex100 5,132,885\tab \up0 \expndtw-1\charscalex100 5,699,631\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-o
ffs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,655,460\ta
b \up0 \expndtw-1\charscalex100 4,058,001\tab \up0 \expndtw-1\charscalex100 3,28
5,903\tab \up0 \expndtw-1\charscalex100 1,942,347\tab \up0 \expndtw-1\charscalex
100 1,171,851\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10
053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net ma
rkup/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 2,826,876\tab \up0 \expndtw-1\charscalex100 1,740,953\tab
\up0 \expndtw-1\charscalex100 1,976,686\tab \up0 \expndtw-1\charscalex100 3,190,
538\tab \up0 \expndtw-1\charscalex100 4,527,780\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 3,133,824\tab \up0 \expndtw-1\charscalex1
00 3,546,047\tab \up0 \expndtw-1\charscalex100 2,449,934\tab \up0 \expndtw-1\cha
rscalex100 2,053,698\tab \up0 \expndtw-1\charscalex100 2,049,204\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,757,786\tab \up0 \ex
pndtw-1\charscalex100 5,168,151\tab \up0 \expndtw-1\charscalex100 4,124,032\tab
\up0 \expndtw-1\charscalex100 4,047,233\tab \up0 \expndtw-1\charscalex100 4,053,
148\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx1113
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative e
xpenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,735,16
3\tab \up0 \expndtw-1\charscalex100 5,127,991\tab \up0 \expndtw-1\charscalex100
3,987,382\tab \up0 \expndtw-1\charscalex100 3,879,891\tab \up0 \expndtw-1\charsc
alex100 4,002,884\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\
tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Pr
ofit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,202,914\tab \up0 \expndtw-1\charscalex100 118,849\tab \up0 \expndt
w-1\charscalex100 302,588\tab \up0 \expndtw-1\charscalex100 1,197,003\tab \up0 \
expndtw-1\charscalex100 2,523,836\par\pard\li900\sb19\sl-161\slmult0\fi194\tx691
8\tx7998\tx9138\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 896,449\tab \up0 \expndtw-1\charscalex100 800,362\ta
b \up0 \expndtw-1\charscalex100 88,973\tab \up0 \expndtw-1\charscalex100 422,938
\tab \up0 \expndtw-1\charscalex100 1,756,037\par\pard\li900\sb14\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\p
ar\pard\li900\sb1\sl-161\slmult0\fi194\tx6764\tx7844\tx8913\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from op
erating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs

12 (2,780,477)\tab \up0 \expndtw-1\charscalex100 (1,086,131)\tab \up0 \expndtw-1

\charscalex100 17,837,265\tab \up0 \expndtw-1\charscalex100 1,562,704\tab \up0 \
expndtw-1\charscalex100 1,320,908\par\pard\li900\sb19\sl-161\slmult0\fi194\tx667
8\tx7758\tx8838\tx9918\tx10998 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Commitments and contingencies\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 194,203,394\tab \up0 \expndtw-1\charscalex100 255,409
,196\tab \up0 \expndtw-1\charscalex100 287,394,471\tab \up0 \expndtw-1\charscale
x100 307,209,267\tab \up0 \expndtw-1\charscalex100 273,951,876\par\pard\li900\sb
14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 F.Efficiency ratios/Profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi
194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 51.95%\tab \up0 \expndtw-1\charscalex100 58.32%\tab
\up0 \expndtw-1\charscalex100 52.71%\tab \up0 \expndtw-1\charscalex100 54.76%\ta
b \up0 \expndtw-1\charscalex100 55.45%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 5.93%\tab \up0 \expndtw-1\charscalex100
5.70%\tab \up0 \expndtw-1\charscalex100 5.86%\tab \up0 \expndtw-1\charscalex100
5.27%\tab \up0 \expndtw-1\charscalex100 5.88%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6978\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 14.05%\tab \up0 \expndtw-1\charscalex10
0 8.42%\tab \up0 \expndtw-1\charscalex100 1.03%\tab \up0 \expndtw-1\charscalex10
0 4.63%\tab \up0 \expndtw-1\charscalex100 16.08%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.97%\tab \up0 \expndtw-1\charscalex
100 0.79%\tab \up0 \expndtw-1\charscalex100 0.10%\tab \up0 \expndtw-1\charscalex
100 0.43%\tab \up0 \expndtw-1\charscalex100 1.81%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.39%\tab \up0 \
expndtw-1\charscalex100 3.49%\tab \up0 \expndtw-1\charscalex100 2.73%\tab \up0 \
expndtw-1\charscalex100 2.11%\tab \up0 \expndtw-1\charscalex100 2.11%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/Interest income (af
ter prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3.06%\tab \up0 \expndtw-1\charscalex100 1.71%\tab \up0 \expndtw
-1\charscalex100 2.20%\tab \up0 \expndtw-1\charscalex100 3.28%\tab \up0 \expndtw
-1\charscalex100 4.67%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Markup/interest expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48.05%\tab \up0 \expndtw-1\charscal
ex100 41.68%\tab \up0 \expndtw-1\charscalex100 47.29%\tab \up0 \expndtw-1\charsc
alex100 45.24%\tab \up0 \expndtw-1\charscalex100 44.55%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7143\tx8163\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 8.Admin expense to profit before tax.(D8/D9) (
times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.94\tab
\up0 \expndtw-1\charscalex100 43.15\tab \up0 \expndtw-1\charscalex100 13.18\tab
\up0 \expndtw-1\charscalex100 3.24\tab \up0 \expndtw-1\charscalex100 1.59\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expens
e to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 34.76%\tab \up0 \expndtw-1\charscalex100 38.31%\tab \up0 \expndtw-1
\charscalex100 33.17%\tab \up0 \expndtw-1\charscalex100 35.42%\tab \up0 \expndtw
-1\charscalex100 32.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\t
x9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 10.Admin. exp. to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.51\tab \up0 \expndtw-1\charscal

ex100 1.45\tab \up0 \expndtw-1\charscalex100 1.63\tab \up0 \expndtw-1\charscalex

100 1.89\tab \up0 \expndtw-1\charscalex100 1.95\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity
ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10278\tx11
358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash eq
uivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 8.64%\tab \up0 \expndtw-1\charscalex100 17.65%\tab \up0 \expn
dtw-1\charscalex100 11.63%\tab \up0 \expndtw-1\charscalex100 8.63%\tab \up0 \exp
ndtw-1\charscalex100 8.40%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx811
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 23.01%\tab \up0 \expndtw-1\charscalex100 9.04%\tab \up0
\expndtw-1\charscalex100 36.89%\tab \up0 \expndtw-1\charscalex100 51.60%\tab \u
p0 \expndtw-1\charscalex100 62.33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
78\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Advances net of provision to total assets (C8/C)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 53.06%\tab \up0 \expndtw-1\chars
calex100 41.18%\tab \up0 \expndtw-1\charscalex100 31.46%\tab \up0 \expndtw-1\cha
rscalex100 19.77%\tab \up0 \expndtw-1\charscalex100 19.42%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits to total assets ( B3/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 74.22%\tab \up0 \expndtw
-1\charscalex100 64.42%\tab \up0 \expndtw-1\charscalex100 64.77%\tab \up0 \expnd
tw-1\charscalex100 70.16%\tab \up0 \expndtw-1\charscalex100 63.65%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets
(B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93.16%\ta
b \up0 \expndtw-1\charscalex100 91.13%\tab \up0 \expndtw-1\charscalex100 90.50%\
tab \up0 \expndtw-1\charscalex100 90.89%\tab \up0 \expndtw-1\charscalex100 88.89
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to
deposit (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
74.19%\tab \up0 \expndtw-1\charscalex100 66.64%\tab \up0 \expndtw-1\charscalex10
0 53.67%\tab \up0 \expndtw-1\charscalex100 34.74%\tab \up0 \expndtw-1\charscalex
100 39.36%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross adv
ances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 68.24%\tab \up0 \expndtw-1\charscalex100 63.57%\tab \up0
\expndtw-1\charscalex100 48.98%\tab \up0 \expndtw-1\charscalex100 32.67%\tab \u
p0 \expndtw-1\charscalex100 33.30%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\p
ar\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to
gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 2.05%\tab \up0 \expndtw-1\charscalex100 4.48%\tab \up0 \expndtw-1\charsc
alex100 10.12%\tab \up0 \expndtw-1\charscalex100 18.16%\tab \up0 \expndtw-1\char
scalex100 22.68%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\t
x10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Pro
vision against NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 3.62%\tab \up0 \expndtw-1\charscalex100 4.08%\tab
\up0 \expndtw-1\charscalex100 9.49%\tab \up0 \expndtw-1\charscalex100 18.91%\tab
\up0 \expndtw-1\charscalex100 22.48%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 3.NPLs to total equity (C6/A)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 16.38%\tab \up0 \expndtw-1\charscalex100 20.57%\ta
b \up0 \expndtw-1\charscalex100 36.50%\tab \up0 \expndtw-1\charscalex100 47.15%\
tab \up0 \expndtw-1\charscalex100 50.43%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6903\tx7983\tx9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.NPLs write off to NPLs provision (D4/C7)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 144.00%\tab \up0 \expndtw-1\charsc

alex100 228.10%\tab \up0 \expndtw-1\charscalex100 111.02%\tab \up0 \expndtw-1\ch

arscalex100 43.29%\tab \up0 \expndtw-1\charscalex100 21.47%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6903\tx8058\tx9138\tx10143\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 176.51%\tab \up0 \
expndtw-1\charscalex100 90.97%\tab \up0 \expndtw-1\charscalex100 93.72%\tab \up0
\expndtw-1\charscalex100 104.12%\tab \up0 \expndtw-1\charscalex100 99.12%\par\p
ard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 I.Capital/leverage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194
\tx7038\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 6.90%\tab \up0 \expndtw-1\charscalex100 9.35%\tab \up0 \
expndtw-1\charscalex100 9.64%\tab \up0 \expndtw-1\charscalex100 9.39%\tab \up0 \
expndtw-1\charscalex100 11.27%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\t
x8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Commitments & contingencies to total equity (E2/A) (times)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30.44\tab \up0 \expndtw-1\
charscalex100 26.86\tab \up0 \expndtw-1\charscalex100 33.22\tab \up0 \expndtw-1\
charscalex100 33.61\tab \up0 \expndtw-1\charscalex100 25.09\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7083\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Total deposit to total equity (B3/A) (ti
mes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.76\tab \
up0 \expndtw-1\charscalex100 6.89\tab \up0 \expndtw-1\charscalex100 6.72\tab \up
0 \expndtw-1\charscalex100 7.47\tab \up0 \expndtw-1\charscalex100 5.65\par\pard\
ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7080\tx8160
\tx9168\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Cash generated from operating activities to profit after tax (E1/D10) (tim
es)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.10\tab \u
p0 \expndtw-1\charscalex100 -1.36\tab \up0 \expndtw-1\charscalex100 200.48\tab \
up0 \expndtw-1\charscalex100 3.69\tab \up0 \expndtw-1\charscalex100 0.75\par\par
d\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard
\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\q
l\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\
li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li
6127\sb158\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g74}{\bkmkend Pg74}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 DEUTSCHE BANK AG\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90
\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f
55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscal
ex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex
100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,55
6,772\tab \up0 \expndtw-1\charscalex100 4,634,445\tab \up0 \expndtw-1\charscalex
100 5,169,257\tab \up0 \expndtw-1\charscalex100 5,274,418\tab \up0 \expndtw-1\ch
arscalex100 6,047,337\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Head office capital account\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 2,853,853\tab \up0 \expndtw-1\charscalex100 3,600,702\tab \up0 \exp
ndtw-1\charscalex100 3,877,033\tab \up0 \expndtw-1\charscalex100 3,667,876\tab \
up0 \expndtw-1\charscalex100 3,724,146\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unremitted profit\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 702,919\tab \up0 \ex
pndtw-1\charscalex100 1,033,743\tab \up0 \expndtw-1\charscalex100 1,292,224\tab
\up0 \expndtw-1\charscalex100 1,606,542\tab \up0 \expndtw-1\charscalex100 2,323,
191\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7004\tx8175\tx9330\tx10335\tx1125
0 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (3,658)\tab \up0 \expndtw
-1\charscalex100 (232)\tab \up0 \expndtw-1\charscalex100 (34)\tab \up0 \expndtw1\charscalex100 (321)\tab \up0 \expndtw-1\charscalex100 (11,538)\par\pard\li900\
sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 to B4)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,032,377\tab \up0 \exp
ndtw-1\charscalex100 17,095,525\tab \up0 \expndtw-1\charscalex100 10,013,789\tab
\up0 \expndtw-1\charscalex100 12,160,786\tab \up0 \expndtw-1\charscalex100 16,2
05,772\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx10053\tx11
238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 625,398\tab \up0
\expndtw-1\charscalex100 1,683,524\tab \up0 \expndtw-1\charscalex100 217,050\ta
b \up0 \expndtw-1\charscalex100 2,640,728\tab \up0 \expndtw-1\charscalex100 238,
907\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\tx10158\tx1113

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financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 6,971,367\tab \up0 \expndtw-1\charscalex100 532,521\tab \up0 \expndtw-1\c
harscalex100 1,063,547\tab \up0 \expndtw-1\charscalex100 443,891\tab \up0 \expnd
tw-1\charscalex100 1,523,062\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7
833\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 5,128,591\tab \up0 \expndtw-1\charscalex100 10,317,214\tab
\up0 \expndtw-1\charscalex100 6,005,209\tab \up0 \expndtw-1\charscalex100 6,065,
947\tab \up0 \expndtw-1\charscalex100 11,118,869\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,307,021\tab \up0 \expndtw-1\charscalex100
4,562,266\tab \up0 \expndtw-1\charscalex100 2,727,983\tab \up0 \expndtw-1\chars
calex100 3,010,220\tab \up0 \expndtw-1\charscalex100 3,324,934\par\pard\li900\sb
39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,585,491\tab \up0
\expndtw-1\charscalex100 21,729,738\tab \up0 \expndtw-1\charscalex100 15,183,01
2\tab \up0 \expndtw-1\charscalex100 17,434,883\tab \up0 \expndtw-1\charscalex100
22,241,571\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and
balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 3,522,250\tab \up0 \expndtw-1\charscalex100 4,754,734\tab \up0 \exp
ndtw-1\charscalex100 4,764,709\tab \up0 \expndtw-1\charscalex100 4,722,669\tab \
up0 \expndtw-1\charscalex100 4,590,065\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6918\tx7893\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 127,489\tab \up0 \expndtw-1\charscalex100 1,628,093
\tab \up0 \expndtw-1\charscalex100 128,632\tab \up0 \expndtw-1\charscalex100 37,
134\tab \up0 \expndtw-1\charscalex100 38,505\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 4,924,319\tab \up0 \expndtw-1\charsca
lex100 5,309,670\tab \up0 \expndtw-1\charscalex100 5,350,170\tab \up0 \expndtw-1
\charscalex100 6,223,146\tab \up0 \expndtw-1\charscalex100 7,640,386\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,695,931\tab \up0 \expndtw-1\chars
calex100 999,390\tab \up0 \expndtw-1\charscalex100 490,909\tab \up0 \expndtw-1\c
harscalex100 2,046,309\tab \up0 \expndtw-1\charscalex100 5,587,411\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,715,413\tab \up0 \expndtw-1\char
scalex100 6,374,949\tab \up0 \expndtw-1\charscalex100 3,838,528\tab \up0 \expndt
w-1\charscalex100 3,665,213\tab \up0 \expndtw-1\charscalex100 3,387,183\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7278\tx7998\tx9078\tx10053\tx11238 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/clas
sified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up
0 \expndtw-1\charscalex100 312,566\tab \up0 \expndtw-1\charscalex100 381,517\tab
\up0 \expndtw-1\charscalex100 3,245,948\tab \up0 \expndtw-1\charscalex100 376,9
23\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9078\tx10158\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against
advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,162
\tab \up0 \expndtw-1\charscalex100 40,343\tab \up0 \expndtw-1\charscalex100 381,
517\tab \up0 \expndtw-1\charscalex100 419,265\tab \up0 \expndtw-1\charscalex100
400,165\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net
of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 4,699,251\tab \up0 \expndtw-1\charscalex100 6,334,606\tab \up0 \expndtw-1\

charscalex100 3,457,011\tab \up0 \expndtw-1\charscalex100 3,245,948\tab \up0 \ex

pndtw-1\charscalex100 2,987,018\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 107,229\tab \up0 \expndtw-1\charscalex100 130,225\tab \up0 \expndtw-1\c
harscalex100 120,382\tab \up0 \expndtw-1\charscalex100 110,230\tab \up0 \expndtw
-1\charscalex100 199,014\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\
tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 509,022\tab \up0 \expndtw-1\charscalex100 2,573,020\tab \up0 \expndtw-1
\charscalex100 871,199\tab \up0 \expndtw-1\charscalex100 1,049,447\tab \up0 \exp
ndtw-1\charscalex100 1,199,172\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\p
ard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 679,115\tab \up0 \e
xpndtw-1\charscalex100 1,041,031\tab \up0 \expndtw-1\charscalex100 1,111,138\tab
\up0 \expndtw-1\charscalex100 1,065,750\tab \up0 \expndtw-1\charscalex100 1,679
,978\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx112
38 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 382,59
2\tab \up0 \expndtw-1\charscalex100 400,017\tab \up0 \expndtw-1\charscalex100 24
2,280\tab \up0 \expndtw-1\charscalex100 324,744\tab \up0 \expndtw-1\charscalex10
0 556,558\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup
/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
296,523\tab \up0 \expndtw-1\charscalex100 641,014\tab \up0 \expndtw-1\charscale
x100 868,858\tab \up0 \expndtw-1\charscalex100 741,006\tab \up0 \expndtw-1\chars
calex100 1,123,420\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8058\tx9078
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.P
rovisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 8,464\tab \up0 \expndtw-1\charscalex100 48,069\tab \up0 \expndtw-1\char
scalex100 354,287\tab \up0 \expndtw-1\charscalex100 25,263\tab \up0 \expndtw-1\c
harscalex100 21,094\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx907
8\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Net markup/interest income after provisions\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 288,059\tab \up0 \expndtw-1\charscalex100 592,945\ta
b \up0 \expndtw-1\charscalex100 514,571\tab \up0 \expndtw-1\charscalex100 715,74
3\tab \up0 \expndtw-1\charscalex100 1,144,514\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,062,244\tab \up0 \expndtw-1\charscalex100
1,053,202\tab \up0 \expndtw-1\charscalex100 1,599,341\tab \up0 \expndtw-1\chars
calex100 1,221,476\tab \up0 \expndtw-1\charscalex100 725,355\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 574,011\tab \up0 \expndtw1\charscalex100 815,012\tab \up0 \expndtw-1\charscalex100 871,160\tab \up0 \expn
dtw-1\charscalex100 653,051\tab \up0 \expndtw-1\charscalex100 766,074\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 572,659\tab \up0 \expn
dtw-1\charscalex100 813,878\tab \up0 \expndtw-1\charscalex100 863,450\tab \up0 \
expndtw-1\charscalex100 653,431\tab \up0 \expndtw-1\charscalex100 759,389\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxat
ion\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 776,292\tab
\up0 \expndtw-1\charscalex100 831,135\tab \up0 \expndtw-1\charscalex100 1,242,75
2\tab \up0 \expndtw-1\charscalex100 1,284,168\tab \up0 \expndtw-1\charscalex100
1,103,795\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\

tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(l

oss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 504,294\tab \up0 \expndtw-1\charscalex100 534,135\tab \up0 \expndtw-1\charsc
alex100 805,218\tab \up0 \expndtw-1\charscalex100 834,293\tab \up0 \expndtw-1\ch
arscalex100 708,236\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\
slmult0\fi194\tx6813\tx7950\tx8924\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating activities\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,714,933\tab \up0 \ex
pndtw-1\charscalex100 (266,446)\tab \up0 \expndtw-1\charscalex100 (1,742,550)\ta
b \up0 \expndtw-1\charscalex100 2,084,285\tab \up0 \expndtw-1\charscalex100 3,50
3,275\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6678\tx7833\tx8913\tx9993\tx109
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments and
contingencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
48,140,110\tab \up0 \expndtw-1\charscalex100 98,796,853\tab \up0 \expndtw-1\char
scalex100 41,259,232\tab \up0 \expndtw-1\charscalex100 66,714,952\tab \up0 \expn
dtw-1\charscalex100 101,411,632\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/Profitab
ility ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread r
atio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 43.
66%\tab \up0 \expndtw-1\charscalex100 61.57%\tab \up0 \expndtw-1\charscalex100 7
8.20%\tab \up0 \expndtw-1\charscalex100 69.53%\tab \up0 \expndtw-1\charscalex100
66.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx
11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/i
nterest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 1.69%\tab \up0 \expndtw-1\charscalex100 2.95%\tab \up0 \expndtw-1\chars
calex100 5.72%\tab \up0 \expndtw-1\charscalex100 4.25%\tab \up0 \expndtw-1\chars
calex100 5.05%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Retur
n on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 14.18%\tab \up0 \expndtw-1\charscalex100 11.53%\tab \up0 \expndtw-1\ch
arscalex100 15.58%\tab \up0 \expndtw-1\charscalex100 15.82%\tab \up0 \expndtw-1\
charscalex100 11.71%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx91
98\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2.87%\tab \up0 \expndtw-1\charscalex100 2.46%\tab \up0 \expndtw1\charscalex100 5.30%\tab \up0 \expndtw-1\charscalex100 4.79%\tab \up0 \expndtw1\charscalex100 3.18%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9
138\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 6.04%\tab \up0 \expndtw-1\charscalex100 4.85
%\tab \up0 \expndtw-1\charscalex100 10.53%\tab \up0 \expndtw-1\charscalex100 7.0
1%\tab \up0 \expndtw-1\charscalex100 3.26%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 6.Net markup/Interest income (after prov.) to total assets(
D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.64%\tab
\up0 \expndtw-1\charscalex100 2.73%\tab \up0 \expndtw-1\charscalex100 3.39%\tab
\up0 \expndtw-1\charscalex100 4.11%\tab \up0 \expndtw-1\charscalex100 5.15%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense
to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 56.34%\tab \up0 \expndtw-1\charscalex100 38.43%\tab \up0 \expn
dtw-1\charscalex100 21.80%\tab \up0 \expndtw-1\charscalex100 30.47%\tab \up0 \ex
pndtw-1\charscalex100 33.13%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8
223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 8.Admin expense to profit before tax.(D8/D9) (times)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.74\tab \up0 \expndtw-1\charscalex1
00 0.98\tab \up0 \expndtw-1\charscalex100 0.69\tab \up0 \expndtw-1\charscalex100
0.51\tab \up0 \expndtw-1\charscalex100 0.69\par\pard\li900\sb19\sl-161\slmult0\

fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no

supersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 32.96%\tab \up0
\expndtw-1\charscalex100 38.92%\tab \up0 \expndtw-1\charscalex100 32.14%\tab \up
0 \expndtw-1\charscalex100 28.55%\tab \up0 \expndtw-1\charscalex100 31.85%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. exp. to non-marku
p/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 0.54\tab \up0 \expndtw-1\charscalex100 0.77\tab \up0 \expndtw1\charscalex100 0.54\tab \up0 \expndtw-1\charscalex100 0.53\tab \up0 \expndtw-1\
charscalex100 1.05\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+
C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.75%\tab
\up0 \expndtw-1\charscalex100 29.37%\tab \up0 \expndtw-1\charscalex100 32.23%\t
ab \up0 \expndtw-1\charscalex100 27.30%\tab \up0 \expndtw-1\charscalex100 20.81%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10218\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total
assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
1.02%\tab \up0 \expndtw-1\charscalex100 4.60%\tab \up0 \expndtw-1\charscalex100
3.23%\tab \up0 \expndtw-1\charscalex100 11.74%\tab \up0 \expndtw-1\charscalex100
25.12%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net
of provision to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 26.72%\tab \up0 \expndtw-1\charscalex100 29.15%\tab \up0 \e
xpndtw-1\charscalex100 22.77%\tab \up0 \expndtw-1\charscalex100 18.62%\tab \up0
\expndtw-1\charscalex100 13.43%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\
tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 4.Deposits to total assets ( B3/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 29.16%\tab \up0 \expndtw-1\charscalex100 47.48%\tab
\up0 \expndtw-1\charscalex100 39.55%\tab \up0 \expndtw-1\charscalex100 34.79%\t
ab \up0 \expndtw-1\charscalex100 49.99%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 79.80%\tab \up0 \expndtw-1\charscale
x100 78.67%\tab \up0 \expndtw-1\charscalex100 65.95%\tab \up0 \expndtw-1\charsca
lex100 69.75%\tab \up0 \expndtw-1\charscalex100 72.86%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposit (C5/B3)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91.94%\tab \up0 \expndtw-1\
charscalex100 61.79%\tab \up0 \expndtw-1\charscalex100 63.92%\tab \up0 \expndtw1\charscalex100 60.42%\tab \up0 \expndtw-1\charscalex100 30.46%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposi
t C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38.
97%\tab \up0 \expndtw-1\charscalex100 58.76%\tab \up0 \expndtw-1\charscalex100 5
4.30%\tab \up0 \expndtw-1\charscalex100 56.30%\tab \up0 \expndtw-1\charscalex100
26.79%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\sl
mult0\fi194\tx7038\tx8118\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \exp
ndtw-1\charscalex100 4.90%\tab \up0 \expndtw-1\charscalex100 9.94%\tab \up0 \exp
ndtw-1\charscalex100 88.56%\tab \up0 \expndtw-1\charscalex100 11.13%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs to gross
advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.34%\tab \up0 \expndtw-1\charscalex100 0.63%\tab \up0 \expndtw-1\charscalex10
0 9.94%\tab \up0 \expndtw-1\charscalex100 11.44%\tab \up0 \expndtw-1\charscalex1

00 11.81%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10218\
tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to to
tal equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.00%\tab \up0 \expndtw-1\charscalex100 6.74%\tab \up0 \expndtw-1\charscalex10
0 7.38%\tab \up0 \expndtw-1\charscalex100 61.54%\tab \up0 \expndtw-1\charscalex1
00 6.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9138\tx10278\t
x11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write
off to NPLs provision (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 52.37%\tab \up0 \expndtw-1\charscalex100 119.15%\tab \up0 \expndtw
-1\charscalex100 92.86%\tab \up0 \expndtw-1\charscalex100 6.03%\tab \up0 \expndt
w-1\charscalex100 5.27%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8058\t
x9063\tx10218\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 5.Provision against NPL to NPLs (C7/C6)\tab \dn2 \expndtw-2\charscalex100 -\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.91%\tab \up0 \e
xpndtw-1\charscalex100 100.00%\tab \up0 \expndtw-1\charscalex100 12.92%\tab \up0
\expndtw-1\charscalex100 106.17%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital/leverage ratios\
par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.23%\tab \up0 \
expndtw-1\charscalex100 21.33%\tab \up0 \expndtw-1\charscalex100 34.05%\tab \up0
\expndtw-1\charscalex100 30.25%\tab \up0 \expndtw-1\charscalex100 27.19%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10323\tx11403 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencie
s to total equity (E2/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 69.77\tab \up0 \expndtw-1\charscalex100 21.32\tab \up0 \expndtw
-1\charscalex100 7.98\tab \up0 \expndtw-1\charscalex100 12.65\tab \up0 \expndtw1\charscalex100 16.77\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9
303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1.44\tab \up0 \expndtw-1\charscalex100 2.23\tab \
up0 \expndtw-1\charscalex100 1.16\tab \up0 \expndtw-1\charscalex100 1.15\tab \up
0 \expndtw-1\charscalex100 1.84\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li
1094\sb8\sl-161\slmult0\fi0\tx7143\tx8160\tx9240\tx10383\tx11463 \dn2 \expndtw-1
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating act
ivities to profit after tax (E1/D10) (times)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 5.38\tab \up0 \expndtw-1\charscalex100 -0.50\tab \u
p0 \expndtw-1\charscalex100 -2.16\tab \up0 \expndtw-1\charscalex100 2.50\tab \up
0 \expndtw-1\charscalex100 4.95\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard
\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\q
l\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\
li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li
6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb158\sl-161\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 66
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g75}{\bkmkend Pg75}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 HSBC BANK MIDDLE EAST LIMITED\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197
\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expnd
tw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw
-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A
.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,549,518\tab \up0 \expndtw-1\charscalex100 4,962,015\tab \up0 \expndtw
-1\charscalex100 5,511,880\tab \up0 \expndtw-1\charscalex100 6,206,372\tab \up0
\expndtw-1\charscalex100 7,501,898\par\pard\li900\sb0\sl-161\slmult0\fi194\tx681
3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Head office capital account\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 2,078,119\tab \up0 \expndtw-1\charscalex100 4,339,547\
tab \up0 \expndtw-1\charscalex100 4,619,535\tab \up0 \expndtw-1\charscalex100 5,
707,268\tab \up0 \expndtw-1\charscalex100 6,515,987\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unremitte
d profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 471,399
\tab \up0 \expndtw-1\charscalex100 622,468\tab \up0 \expndtw-1\charscalex100 892
,345\tab \up0 \expndtw-1\charscalex100 499,104\tab \up0 \expndtw-1\charscalex100
985,911\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7095\tx8084\tx9164\tx10244\t
x11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (389)\tab \up0 \expn
dtw-1\charscalex100 (5,034)\tab \up0 \expndtw-1\charscalex100 (1,002)\tab \up0 \
expndtw-1\charscalex100 (7,349)\tab \up0 \expndtw-1\charscalex100 3,865\par\pard
\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 to B4)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 29,837,117\tab \u

p0 \expndtw-1\charscalex100 43,916,081\tab \up0 \expndtw-1\charscalex100 46,223,

063\tab \up0 \expndtw-1\charscalex100 50,739,967\tab \up0 \expndtw-1\charscalex1
00 51,849,969\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx100
53\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills p
ayable\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 745,760\t
ab \up0 \expndtw-1\charscalex100 587,298\tab \up0 \expndtw-1\charscalex100 989,2
56\tab \up0 \expndtw-1\charscalex100 1,341,130\tab \up0 \expndtw-1\charscalex100
1,023,903\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowing
s from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 3,032,738\tab \up0 \expndtw-1\charscalex100 4,770,659\tab \up0 \ex
pndtw-1\charscalex100 3,073,493\tab \up0 \expndtw-1\charscalex100 1,255,575\tab
\up0 \expndtw-1\charscalex100 2,686,405\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 25,401,388\tab \up0 \expndtw-1\charscalex100 37,0
05,085\tab \up0 \expndtw-1\charscalex100 40,796,993\tab \up0 \expndtw-1\charscal
ex100 46,460,640\tab \up0 \expndtw-1\charscalex100 46,171,420\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 657,231\tab \up0 \expndtw-1\ch
arscalex100 1,553,039\tab \up0 \expndtw-1\charscalex100 1,363,321\tab \up0 \expn
dtw-1\charscalex100 1,682,622\tab \up0 \expndtw-1\charscalex100 1,968,241\par\pa
rd\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8
to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 32,386,2
46\tab \up0 \expndtw-1\charscalex100 48,873,062\tab \up0 \expndtw-1\charscalex10
0 51,733,941\tab \up0 \expndtw-1\charscalex100 56,938,990\tab \up0 \expndtw-1\ch
arscalex100 59,355,732\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 4,254,003\tab \up0 \expndtw-1\charscalex100 7,577,335\ta
b \up0 \expndtw-1\charscalex100 8,411,801\tab \up0 \expndtw-1\charscalex100 9,95
4,810\tab \up0 \expndtw-1\charscalex100 10,925,914\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6918\tx7893\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 793,028\tab \up0 \expndtw-1\charscalex1
00 4,266,775\tab \up0 \expndtw-1\charscalex100 4,035,306\tab \up0 \expndtw-1\cha
rscalex100 297,338\tab \up0 \expndtw-1\charscalex100 341,149\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx9993\tx11133 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,754,063\tab \up0 \ex
pndtw-1\charscalex100 7,354,749\tab \up0 \expndtw-1\charscalex100 8,698,829\tab
\up0 \expndtw-1\charscalex100 16,076,728\tab \up0 \expndtw-1\charscalex100 3,868
,938\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx110
73 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 301,193\tab \up0 \e
xpndtw-1\charscalex100 1,941,950\tab \up0 \expndtw-1\charscalex100 5,431,713\tab
\up0 \expndtw-1\charscalex100 6,512,700\tab \up0 \expndtw-1\charscalex100 22,11
9,633\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx110
73 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,353,303\tab \
up0 \expndtw-1\charscalex100 25,591,220\tab \up0 \expndtw-1\charscalex100 23,701
,592\tab \up0 \expndtw-1\charscalex100 22,727,260\tab \up0 \expndtw-1\charscalex
100 21,215,325\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx1
0158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advan
ces-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 76,589\tab \up0 \expndtw-1\charscalex100 223,085\tab \up0 \expndtw
-1\charscalex100 500,638\tab \up0 \expndtw-1\charscalex100 762,869\tab \up0 \exp
ndtw-1\charscalex100 1,023,475\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\t

x7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\

f52\fs14 7.Provision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 92,989\tab \up0 \expndtw-1\charscalex100 288,253\tab \up0
\expndtw-1\charscalex100 453,161\tab \up0 \expndtw-1\charscalex100 484,827\tab \
up0 \expndtw-1\charscalex100 421,799\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 19,260,314\tab \up0 \expndtw-1\charscalex100 2
5,302,967\tab \up0 \expndtw-1\charscalex100 23,248,431\tab \up0 \expndtw-1\chars
calex100 22,242,433\tab \up0 \expndtw-1\charscalex100 20,793,526\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 308,114\tab \up0 \expndtw-1\charscalex
100 509,574\tab \up0 \expndtw-1\charscalex100 410,901\tab \up0 \expndtw-1\charsc
alex100 266,120\tab \up0 \expndtw-1\charscalex100 186,288\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 715,531\tab \up0 \expndtw-1\charscalex
100 1,919,712\tab \up0 \expndtw-1\charscalex100 1,496,960\tab \up0 \expndtw-1\ch
arscalex100 1,588,861\tab \up0 \expndtw-1\charscalex100 1,120,284\par\pard\li900
\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Markup/interest earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2,151,546\tab \up0 \expndtw-1\charscalex100 4,071,742\tab \up0 \
expndtw-1\charscalex100 4,703,682\tab \up0 \expndtw-1\charscalex100 5,005,567\ta
b \up0 \expndtw-1\charscalex100 5,849,015\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7893\tx8973\tx10004\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Markup/interest expenses\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1,310,016\tab \up0 \expndtw-1\charscalex100 2,443
,593\tab \up0 \expndtw-1\charscalex100 2,732,216\tab \up0 \expndtw-1\charscalex1
00 (2,713,791)\tab \up0 \expndtw-1\charscalex100 2,932,772\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 841,530\tab \up0 \expndtw-1\ch
arscalex100 1,628,149\tab \up0 \expndtw-1\charscalex100 1,971,466\tab \up0 \expn
dtw-1\charscalex100 2,291,776\tab \up0 \expndtw-1\charscalex100 2,916,243\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10158\tx11238 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,443\tab \up0
\expndtw-1\charscalex100 265,346\tab \up0 \expndtw-1\charscalex100 471,333\tab \
up0 \expndtw-1\charscalex100 363,563\tab \up0 \expndtw-1\charscalex100 102,962\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest i
ncome after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 824,087\tab \up0 \expndtw-1\charscalex100 1,362,803\tab \up0 \expndtw-1\c
harscalex100 1,500,133\tab \up0 \expndtw-1\charscalex100 1,928,213\tab \up0 \exp
ndtw-1\charscalex100 2,813,281\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\t
x7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 396,379\tab \up0 \expndtw-1\charscalex100 849,974\tab \up0
\expndtw-1\charscalex100 1,021,563\tab \up0 \expndtw-1\charscalex100 1,005,725\
tab \up0 \expndtw-1\charscalex100 1,140,661\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 994,556\tab \up0 \expndtw-1\charscalex100 1
,952,124\tab \up0 \expndtw-1\charscalex100 2,200,197\tab \up0 \expndtw-1\charsca
lex100 2,176,393\tab \up0 \expndtw-1\charscalex100 2,443,031\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6978\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expnd

tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 99,470\tab \up0 \expndtw-1\char

scalex100 1,949,088\tab \up0 \expndtw-1\charscalex100 2,200,186\tab \up0 \expndt
w-1\charscalex100 2,171,268\tab \up0 \expndtw-1\charscalex100 2,442,861\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11133 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxatio
n\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 225,910\tab \u
p0 \expndtw-1\charscalex100 260,653\tab \up0 \expndtw-1\charscalex100 321,499\ta
b \up0 \expndtw-1\charscalex100 757,545\tab \up0 \expndtw-1\charscalex100 1,510,
911\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx1123
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) a
fter taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12
6,045\tab \up0 \expndtw-1\charscalex100 161,565\tab \up0 \expndtw-1\charscalex10
0 261,885\tab \up0 \expndtw-1\charscalex100 491,592\tab \up0 \expndtw-1\charscal
ex100 971,262\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult
0\fi194\tx6870\tx7893\tx8973\tx10004\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Cash generated from operating activities\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (794,179)\tab \up0 \expndtw1\charscalex100 6,500,868\tab \up0 \expndtw-1\charscalex100 3,889,177\tab \up0 \
expndtw-1\charscalex100 (1,289,280)\tab \up0 \expndtw-1\charscalex100 16,303,670
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments and cont
ingencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 52,100
,337\tab \up0 \expndtw-1\charscalex100 29,264,954\tab \up0 \expndtw-1\charscalex
100 34,619,778\tab \up0 \expndtw-1\charscalex100 58,032,008\tab \up0 \expndtw-1\
charscalex100 53,617,196\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/Profitability r
atios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D
3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39.11%\tab
\up0 \expndtw-1\charscalex100 39.99%\tab \up0 \expndtw-1\charscalex100 41.91%\t
ab \up0 \expndtw-1\charscalex100 45.78%\tab \up0 \expndtw-1\charscalex100 49.86%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10544\tx11358 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest
margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 2.60%\tab \up0 \expndtw-1\charscalex100 3.33%\tab \up0 \expndtw-1\charscalex10
0 3.81%\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.91%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.94%\tab \up0 \expnd
tw-1\charscalex100 3.26%\tab \up0 \expndtw-1\charscalex100 4.75%\tab \up0 \expnd
tw-1\charscalex100 7.92%\tab \up0 \expndtw-1\charscalex100 12.95%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.39%\tab \up0 \exp
ndtw-1\charscalex100 0.33%\tab \up0 \expndtw-1\charscalex100 0.51%\tab \up0 \exp
ndtw-1\charscalex100 0.86%\tab \up0 \expndtw-1\charscalex100 1.64%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to tot
al assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.22%\tab \up0 \expndtw-1\charscalex100 1.74%\tab \up0 \expndtw-1\charscalex100
1.97%\tab \up0 \expndtw-1\charscalex100 1.77%\tab \up0 \expndtw-1\charscalex100
1.92%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx1
1358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/In
terest income (after prov.) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2.54%\tab \up0 \expndtw-1\charscalex100 2.79%\
tab \up0 \expndtw-1\charscalex100 2.90%\tab \up0 \expndtw-1\charscalex100 3.39%\
tab \up0 \expndtw-1\charscalex100 4.74%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6978\tx8058\tx9138\tx10140\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper

sub\cf51\f52\fs14 7.Markup/interest expense to markup/interest income (D2/D1)\ta

b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 60.89%\tab \up0 \e
xpndtw-1\charscalex100 60.01%\tab \up0 \expndtw-1\charscalex100 58.09%\tab \up0
\expndtw-1\charscalex100 -54.22%\tab \up0 \expndtw-1\charscalex100 50.14%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin expense to profit be
fore tax.(D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0.44\tab \up0 \expndtw-1\charscalex100 7.48\tab \up0 \expndtw-1\charsca
lex100 6.84\tab \up0 \expndtw-1\charscalex100 2.87\tab \up0 \expndtw-1\charscale
x100 1.62\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup
/interest expense to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 39.03%\tab \up0 \expndtw-1\charscalex100 39.66%\tab
\up0 \expndtw-1\charscalex100 38.43%\tab \up0 \expndtw-1\charscalex100 36.21%\t
ab \up0 \expndtw-1\charscalex100 34.95%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 10.Admin. exp. to non-markup/interest income (D8/D6) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.25\tab \up0 \ex
pndtw-1\charscalex100 2.29\tab \up0 \expndtw-1\charscalex100 2.15\tab \up0 \expn
dtw-1\charscalex100 2.16\tab \up0 \expndtw-1\charscalex100 2.14\par\pard\li900\s
b14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9
138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash & cash equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 15.58%\tab \up0 \expndtw-1\charscalex100 24.2
3%\tab \up0 \expndtw-1\charscalex100 24.06%\tab \up0 \expndtw-1\charscalex100 18
.01%\tab \up0 \expndtw-1\charscalex100 18.98%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.93%\tab \up0 \expndtw-1\charscalex
100 3.97%\tab \up0 \expndtw-1\charscalex100 10.50%\tab \up0 \expndtw-1\charscale
x100 11.44%\tab \up0 \expndtw-1\charscalex100 37.27%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Advances net of provision to total assets (C8/C
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 59.47%\tab \up
0 \expndtw-1\charscalex100 51.77%\tab \up0 \expndtw-1\charscalex100 44.94%\tab \
up0 \expndtw-1\charscalex100 39.06%\tab \up0 \expndtw-1\charscalex100 35.03%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits to total asset
s ( B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78.43%
\tab \up0 \expndtw-1\charscalex100 75.72%\tab \up0 \expndtw-1\charscalex100 78.8
6%\tab \up0 \expndtw-1\charscalex100 81.60%\tab \up0 \expndtw-1\charscalex100 77
.79%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabiliti
es to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 92.13%\tab \up0 \expndtw-1\charscalex100 89.86%\tab \up0 \expndtw-1\cha
rscalex100 89.35%\tab \up0 \expndtw-1\charscalex100 89.11%\tab \up0 \expndtw-1\c
harscalex100 87.35%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.
Gross advances to deposit (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 76.19%\tab \up0 \expndtw-1\charscalex100 69.16%\tab \up0 \expn
dtw-1\charscalex100 58.10%\tab \up0 \expndtw-1\charscalex100 48.92%\tab \up0 \ex
pndtw-1\charscalex100 45.95%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 7.Gross advances to borrowing & deposit C5/(B2+B3)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 68.06%\tab \up0 \expndtw-1\charscalex1
00 61.26%\tab \up0 \expndtw-1\charscalex100 54.03%\tab \up0 \expndtw-1\charscale
x100 47.63%\tab \up0 \expndtw-1\charscalex100 43.42%\par\pard\li900\sb15\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Asset
s quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx

10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Nonperforming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.40%\tab \up0 \expndtw-1\charscalex100 0.87%\tab \up0
\expndtw-1\charscalex100 2.11%\tab \up0 \expndtw-1\charscalex100 3.36%\tab \up0
\expndtw-1\charscalex100 4.82%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\
tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Provision against NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.48%\tab \up0 \expndtw-1\charscale
x100 1.13%\tab \up0 \expndtw-1\charscalex100 1.91%\tab \up0 \expndtw-1\charscale
x100 2.13%\tab \up0 \expndtw-1\charscalex100 1.99%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7038\tx8118\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.NPLs to total equity (C6/A)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 3.00%\tab \up0 \expndtw-1\charscalex1
00 4.50%\tab \up0 \expndtw-1\charscalex100 9.08%\tab \up0 \expndtw-1\charscalex1
00 12.29%\tab \up0 \expndtw-1\charscalex100 13.64%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provision (D4/C7)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.76%\tab \up0 \expndtw
-1\charscalex100 92.05%\tab \up0 \expndtw-1\charscalex100 104.01%\tab \up0 \expn
dtw-1\charscalex100 74.99%\tab \up0 \expndtw-1\charscalex100 24.41%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9138\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C
7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 121.41%\ta
b \up0 \expndtw-1\charscalex100 129.21%\tab \up0 \expndtw-1\charscalex100 90.52%
\tab \up0 \expndtw-1\charscalex100 63.55%\tab \up0 \expndtw-1\charscalex100 41.2
1%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 I.Capital/leverage ratios\par\pard\li900\sb0\sl-161\slmul
t0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 7.87%\tab \up0 \expndtw-1\charscalex100 10.15%\t
ab \up0 \expndtw-1\charscalex100 10.65%\tab \up0 \expndtw-1\charscalex100 10.90%
\tab \up0 \expndtw-1\charscalex100 12.64%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7083\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E2/A) (times)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.44\tab \up0
\expndtw-1\charscalex100 5.90\tab \up0 \expndtw-1\charscalex100 6.28\tab \up0 \e
xpndtw-1\charscalex100 9.35\tab \up0 \expndtw-1\charscalex100 7.15\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Total deposit to total equity (B3
/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.96
\tab \up0 \expndtw-1\charscalex100 7.46\tab \up0 \expndtw-1\charscalex100 7.40\t
ab \up0 \expndtw-1\charscalex100 7.49\tab \up0 \expndtw-1\charscalex100 6.15\par
\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7080\
tx8163\tx9243\tx10320\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Cash generated from operating activities to profit after tax (E1/D10
) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -6.30\
tab \up0 \expndtw-1\charscalex100 40.24\tab \up0 \expndtw-1\charscalex100 14.85\
tab \up0 \expndtw-1\charscalex100 -2.62\tab \up0 \expndtw-1\charscalex100 16.79\
par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \p
ar\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par
\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\p
ard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\par
d\ql\li6127\sb158\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 67
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pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED\tab \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\par
d\li900\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expnd
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calex100 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 20
08\tab \up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010
\tab \up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\
tx7304\tx8384\tx9464\tx10544\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 A.Total equity (A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expnd
tw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 3,008,554\par\pard\li900\sb0\sl-161\slm
ult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \u
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arscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex
100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 3,192,892\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
304\tx8384\tx9464\tx10544\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Reserves\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2
\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsca
lex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11190 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unremitted profit\tab \dn
2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expnd

tw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha

rscalex100 \ul0\nosupersub\cf56\f57\fs12 (184,338)\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11373 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Others\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1,758\par\pard\li900\sb39\sl-155\slmult0\fi44\tx7304\tx8384\tx9464\tx10544
\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total lia
bilities (B1 to B4)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\ta
b \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2,942,052\par\pard\li900\sb6\sl-161\slmult0\fi194\tx7304\tx838
4\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Bills payable\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex1
00 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,397\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11598 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financia
l institutions\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscale
x100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \dn
2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expnd
tw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1,524,071\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \dn2 \expndtw-2\chars
calex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 1,395,584\par\pard\li900\sb39\sl-155\slmult0\fi44\tx7304\
tx8384\tx9464\tx10544\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \
expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,952,364\par\pard\li900\sb6\sl-16
1\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \dn
2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expnd
tw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 3,279,813\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex1
00 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 64,398\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\
tx8384\tx9464\tx10544\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Lending to financial institutions\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 782,528\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9
464\tx10544\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Investments\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex
100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,484,124\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\c
harscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 26,243\par\pard\li900\sb19\sl-161\slmult0\fi1

94\tx7304\tx8384\tx9464\tx10544\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosup

ersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex1
00 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx838
4\tx9464\tx10544\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 7.Provision against advances\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \
expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of
provision (C5-C7)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsc
alex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26,243\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \dn2 \expn
dtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 294,316\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7304\tx8384\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 10.Other/misc. assets\tab \dn2 \expndtw-2\charscalex100 -\ta
b \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \
expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 20,942\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\
sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \dn2 \expndtw
-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\chars
calex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 56,241\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7304\tx8384\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Markup/interest expenses\tab \dn2 \expndtw-2\charscalex100 -\t
ab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 46,347\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\
tx10544\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Ne
t markup/interest income\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2
\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsca
lex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,894\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11598 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and writeoffs\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab
\dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11373 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisions\t
ab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,894\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \dn2 \expndtw-2\
charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscal
ex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 594\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\
tx8384\tx9464\tx10544\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 7.Non-markup/interest expenses\tab \dn2 \expndtw-2\charscalex100 -\tab
\dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 194,826\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\t
x10544\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Adm

inistrative expenses\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\cha

rscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex1
00 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 194,826\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11190 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before ta
xation\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\t
ab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (184,338)\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11190 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \
dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 (184,338)\par\pard\li900\sb14\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other
items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated
from operating activities\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw
-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,718
,782\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx111
33 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments and
contingencies\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscale
x100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,081,945\par\par
d\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 F.Efficiency ratios/Profitability ratios\par\pard\li900\sb1\sl-161\
slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \dn2 \expndtw-2\charsc
alex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 17.59%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8
384\tx9464\tx10544\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Net markup/interest margin (D1-D2)/C\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx946
4\tx10544\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Return on equity (ROE) (D10/A)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.13%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11
295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on asse
ts (ROA) (D10/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsca
lex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.10%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income t
o total assets (D6/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex
100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.01%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11358 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/Interest inco
me (after prov.) to total assets(D5/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \
dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 0.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx105
44\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/
interest expense to markup/interest income (D2/D1)\tab \dn2 \expndtw-2\charscale
x100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\t
ab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe

rsub\cf56\f57\fs12 82.41%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384
\tx9464\tx10544\tx11400 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 8.Admin expense to profit before tax.(D8/D9) (times)\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex1
00 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 -1.06\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\t
x8384\tx9464\tx10544\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)\tab \dn2 \expn
dtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 342.79%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7304\tx8384\tx9464\tx10544\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 10.Admin. exp. to non-markup/interest income (D8/D6) (times)
\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn
2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 327.99\par\pard\li900\sb14\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Li
quidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10
544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash &
cash equivalent to total assets (C1+C2)/C\tab \dn2 \expndtw-2\charscalex100 -\t
ab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 56.18%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\
tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.In
vestment to total assets (C4/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \ex
pndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
24.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx1
1358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net
of provision to total assets (C8/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 0.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits t
o total assets ( B3/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\c
harscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscale
x100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.60%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to t
otal assets (B/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsc
alex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49.43%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11358 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposit (
C5/B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\t
ab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.72%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11358 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposit C
5/(B2+B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.72%\par\pard\li900\s
b15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7304\tx838
4\tx9464\tx10544\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Non-performing loan to gross advances (C6/C5)\tab \dn2 \expndtw-2\charsca
lex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 \tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx838
4\tx9464\tx10544\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\

fs14 2.Provision against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\char

scalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex10
0 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx
8384\tx9464\tx10544\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.NPLs to total equity (C6/A)\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx1054
4\tx11624 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs wri
te off to NPLs provision (D4/C7)\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2
\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11624 \up0 \expndtw-2\charscalex100
5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\par\pard\li900\sb15
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
I.Capital/leverage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7304\tx8384
\tx9464\tx10544\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Capital ratio (A/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50.54%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11463 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & conti
ngencies to total equity (E2/A) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab
\dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \ex
pndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 0.36\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx105
44\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Total d
eposit to total equity (B3/A) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \d
n2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.51\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmul
t0\fi0\tx7304\tx8384\tx9464\tx10544\tx11324 \dn2 \expndtw-1\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Cash generated from operating activities to profit aft
er tax (E1/D10) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\
charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -14.75\p
ar\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \pa
r\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\
pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pa
rd\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard
\ql\li6127\sb158\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 68
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g77}{\bkmkend Pg77}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 OMAN INTERNATIONAL BANK SAOG.\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197
\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expnd
tw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw
-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A
.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,033,623\tab \up0 \expndtw-1\charscalex100 2,712,141\tab \up0 \expndtw
-1\charscalex100 2,847,576\tab \up0 \expndtw-1\charscalex100 3,000,780\tab \up0
\expndtw-1\charscalex100 3,132,302\par\pard\li900\sb0\sl-161\slmult0\fi194\tx681
3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Head office capital account\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 2,289,217\tab \up0 \expndtw-1\charscalex100 3,008,999\
tab \up0 \expndtw-1\charscalex100 3,203,140\tab \up0 \expndtw-1\charscalex100 3,
393,743\tab \up0 \expndtw-1\charscalex100 3,594,610\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9030\tx10110
\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unremitte
d profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (255,59
4)\tab \up0 \expndtw-1\charscalex100 (296,858)\tab \up0 \expndtw-1\charscalex100
(355,564)\tab \up0 \expndtw-1\charscalex100 (392,963)\tab \up0 \expndtw-1\chars
calex100 (462,308)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438
\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.O
thers\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb39\sl-1
55\slmult0\fi44\tx6918\tx7998\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 to B4)\tab \up0 \expndt

w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 660,308\tab \up0 \expndtw-1\char

scalex100 729,806\tab \up0 \expndtw-1\charscalex100 1,097,875\tab \up0 \expndtw1\charscalex100 1,200,251\tab \up0 \expndtw-1\charscalex100 1,270,263\par\pard\l
i900\sb6\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,754\tab \up0 \expndtw-1\charsca
lex100 4,036\tab \up0 \expndtw-1\charscalex100 7,577\tab \up0 \expndtw-1\charsca
lex100 5,493\tab \up0 \expndtw-1\charscalex100 11,523\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 178,000\tab \up0 \expnd
tw-1\charscalex100 186,406\tab \up0 \expndtw-1\charscalex100 382,008\tab \up0 \e
xpndtw-1\charscalex100 321,910\tab \up0 \expndtw-1\charscalex100 510,729\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7278\tx7998\tx9078\tx10158\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \exp
ndtw-1\charscalex100 521,574\tab \up0 \expndtw-1\charscalex100 690,196\tab \up0
\expndtw-1\charscalex100 847,792\tab \up0 \expndtw-1\charscalex100 721,474\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 479,554\tab \up0
\expndtw-1\charscalex100 17,790\tab \up0 \expndtw-1\charscalex100 18,094\tab \up
0 \expndtw-1\charscalex100 25,056\tab \up0 \expndtw-1\charscalex100 26,537\par\p
ard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C
8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,693,
931\tab \up0 \expndtw-1\charscalex100 3,441,947\tab \up0 \expndtw-1\charscalex10
0 3,945,451\tab \up0 \expndtw-1\charscalex100 4,201,031\tab \up0 \expndtw-1\char
scalex100 4,402,565\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2,391,751\tab \up0 \expndtw-1\charscalex100 3,088,841\tab \
up0 \expndtw-1\charscalex100 3,328,022\tab \up0 \expndtw-1\charscalex100 3,363,0
76\tab \up0 \expndtw-1\charscalex100 3,679,994\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 42,807\tab \up0 \expndtw-1\charscalex100 38
,910\tab \up0 \expndtw-1\charscalex100 52,781\tab \up0 \expndtw-1\charscalex100
62,870\tab \up0 \expndtw-1\charscalex100 61,674\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7278\tx8358\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex10
0 0\tab \up0 \expndtw-1\charscalex100 150,000\tab \up0 \expndtw-1\charscalex100
110,000\tab \up0 \expndtw-1\charscalex100 30,000\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross adv
ances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 280,948\ta
b \up0 \expndtw-1\charscalex100 315,802\tab \up0 \expndtw-1\charscalex100 425,10
8\tab \up0 \expndtw-1\charscalex100 493,328\tab \up0 \expndtw-1\charscalex100 58
7,062\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-p
erforming/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 55,905\tab \up0 \expndtw-1\charscalex100 83,218\tab \up0 \expndtw-1\charsca
lex100 36,416\tab \up0 \expndtw-1\charscalex100 48,503\tab \up0 \expndtw-1\chars
calex100 49,740\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Prov

ision against advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5

7\fs12 60,442\tab \up0 \expndtw-1\charscalex100 38,713\tab \up0 \expndtw-1\chars
calex100 37,885\tab \up0 \expndtw-1\charscalex100 15,716\tab \up0 \expndtw-1\cha
rscalex100 15,716\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Ad
vances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 220,506\tab \up0 \expndtw-1\charscalex100 277,089\tab \up0 \expn
dtw-1\charscalex100 387,223\tab \up0 \expndtw-1\charscalex100 477,612\tab \up0 \
expndtw-1\charscalex100 571,346\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\
tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 5,646\tab \up0 \expndtw-1\charscalex100 15,071\tab \up0 \expndtw-1\char
scalex100 10,461\tab \up0 \expndtw-1\charscalex100 22,983\tab \up0 \expndtw-1\ch
arscalex100 30,670\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.
Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 33,221\tab \up0 \expndtw-1\charscalex100 22,036\tab \up0 \expndtw-1\charscale
x100 16,964\tab \up0 \expndtw-1\charscalex100 164,490\tab \up0 \expndtw-1\charsc
alex100 28,881\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,268\tab \up0 \expndtw-1\charscal
ex100 40,426\tab \up0 \expndtw-1\charscalex100 56,707\tab \up0 \expndtw-1\charsc
alex100 65,106\tab \up0 \expndtw-1\charscalex100 75,896\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/interest expenses\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47,636\tab \up0 \expndtw-1\charscal
ex100 50,080\tab \up0 \expndtw-1\charscalex100 75,569\tab \up0 \expndtw-1\charsc
alex100 78,041\tab \up0 \expndtw-1\charscalex100 90,575\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7004\tx8084\tx9090\tx10170\tx11250 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (9,368)\tab \up0 \expndtw-1\chars
calex100 (9,654)\tab \up0 \expndtw-1\charscalex100 (18,862)\tab \up0 \expndtw-1\
charscalex100 (12,935)\tab \up0 \expndtw-1\charscalex100 (14,679)\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9303\tx10218\tx11598 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40,468\tab \up0 \expndtw
-1\charscalex100 21,729\tab \up0 \expndtw-1\charscalex100 828\tab \up0 \expndtw1\charscalex100 22,169\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6930\tx8058\tx9090\tx10293\tx11250 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisio
ns\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (49,836)\tab
\up0 \expndtw-1\charscalex100 12,075\tab \up0 \expndtw-1\charscalex100 (18,034)\
tab \up0 \expndtw-1\charscalex100 9,234\tab \up0 \expndtw-1\charscalex100 (14,67
9)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8133\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/intere
st income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,471\
tab \up0 \expndtw-1\charscalex100 9,549\tab \up0 \expndtw-1\charscalex100 17,597
\tab \up0 \expndtw-1\charscalex100 12,582\tab \up0 \expndtw-1\charscalex100 14,6
11\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/intere
st expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46,5
02\tab \up0 \expndtw-1\charscalex100 62,888\tab \up0 \expndtw-1\charscalex100 58
,269\tab \up0 \expndtw-1\charscalex100 59,215\tab \up0 \expndtw-1\charscalex100
69,277\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrativ
e expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44,27
3\tab \up0 \expndtw-1\charscalex100 57,280\tab \up0 \expndtw-1\charscalex100 55,
148\tab \up0 \expndtw-1\charscalex100 59,134\tab \up0 \expndtw-1\charscalex100 6

9,172\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx8010\tx9090\tx10170\tx11
250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss)
before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
(91,867)\tab \up0 \expndtw-1\charscalex100 (41,264)\tab \up0 \expndtw-1\charscal
ex100 (58,706)\tab \up0 \expndtw-1\charscalex100 (37,399)\tab \up0 \expndtw-1\ch
arscalex100 (69,345)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx8010\tx90
90\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
0.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 (91,867)\tab \up0 \expndtw-1\charscalex100 (41,264)\tab \up0 \exp
ndtw-1\charscalex100 (58,706)\tab \up0 \expndtw-1\charscalex100 (37,399)\tab \up
0 \expndtw-1\charscalex100 (69,345)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\l
i900\sb1\sl-161\slmult0\fi194\tx6930\tx7833\tx9137\tx10217\tx11237 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating a
ctivities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (35,50
3)\tab \up0 \expndtw-1\charscalex100 21,302,169\tab \up0 \expndtw-1\charscalex10
0 59,369\tab \up0 \expndtw-1\charscalex100 17,017\tab \up0 \expndtw-1\charscalex
100 130,395\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx7997\tx9077\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitme
nts and contingencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 85,715\tab \up0 \expndtw-1\charscalex100 729,519\tab \up0 \expndtw-1\chars
calex100 450,421\tab \up0 \expndtw-1\charscalex100 1,013,597\tab \up0 \expndtw-1
\charscalex100 1,402,122\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/Profitability r
atios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6899\tx7979\tx9059\tx10139\tx112
19 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D
3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -24.48%\ta
b \up0 \expndtw-1\charscalex100 -23.88%\tab \up0 \expndtw-1\charscalex100 -33.26
%\tab \up0 \expndtw-1\charscalex100 -19.87%\tab \up0 \expndtw-1\charscalex100 -1
9.34%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8055\tx9135\tx10215\tx11
295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/int
erest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 -0.35%\tab \up0 \expndtw-1\charscalex100 -0.28%\tab \up0 \expndtw-1\chars
calex100 -0.48%\tab \up0 \expndtw-1\charscalex100 -0.31%\tab \up0 \expndtw-1\cha
rscalex100 -0.33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8055\tx9135\
tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Re
turn on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 -4.52%\tab \up0 \expndtw-1\charscalex100 -1.52%\tab \up0 \expndtw-1
\charscalex100 -2.06%\tab \up0 \expndtw-1\charscalex100 -1.25%\tab \up0 \expndtw
-1\charscalex100 -2.21%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8055\t
x9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 -3.41%\tab \up0 \expndtw-1\charscalex100 -1.20%\tab \up0 \exp
ndtw-1\charscalex100 -1.49%\tab \up0 \expndtw-1\charscalex100 -0.89%\tab \up0 \e
xpndtw-1\charscalex100 -1.58%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx
8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.17%\tab \up0 \expndtw-1\charscalex
100 0.28%\tab \up0 \expndtw-1\charscalex100 0.45%\tab \up0 \expndtw-1\charscalex
100 0.30%\tab \up0 \expndtw-1\charscalex100 0.33%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6975\tx8117\tx9135\tx10277\tx11295 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 6.Net markup/Interest income (after prov.) to total
assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1.
85%\tab \up0 \expndtw-1\charscalex100 0.35%\tab \up0 \expndtw-1\charscalex100 -0
.46%\tab \up0 \expndtw-1\charscalex100 0.22%\tab \up0 \expndtw-1\charscalex100 0.33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11
223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interes
t expense to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 124.48%\tab \up0 \expndtw-1\charscalex100 123.88%\ta
b \up0 \expndtw-1\charscalex100 133.26%\tab \up0 \expndtw-1\charscalex100 119.87

%\tab \up0 \expndtw-1\charscalex100 119.34%\par\pard\li900\sb19\sl-161\slmult0\f

i194\tx7079\tx8159\tx9239\tx10319\tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 8.Admin expense to profit before tax.(D8/D9) (times)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.48\tab \up0 \expnd
tw-1\charscalex100 -1.39\tab \up0 \expndtw-1\charscalex100 -0.94\tab \up0 \expnd
tw-1\charscalex100 -1.58\tab \up0 \expndtw-1\charscalex100 -1.00\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9137\tx10217\tx11297 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expense to tota
l income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 108.80%\tab \up0 \expndtw-1\charscalex100 125.84%\tab \up0 \expndtw-1\charsc
alex100 78.42%\tab \up0 \expndtw-1\charscalex100 76.22%\tab \up0 \expndtw-1\char
scalex100 76.54%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\t
x10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Ad
min. exp. to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 9.90\tab \up0 \expndtw-1\charscalex100 6
.00\tab \up0 \expndtw-1\charscalex100 3.13\tab \up0 \expndtw-1\charscalex100 4.7
0\tab \up0 \expndtw-1\charscalex100 4.73\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\
par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalen
t to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 90.37%\tab \up0 \expndtw-1\charscalex100 90.87%\tab \up0 \expndtw-1\
charscalex100 85.69%\tab \up0 \expndtw-1\charscalex100 81.55%\tab \up0 \expndtw1\charscalex100 84.99%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx
9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx811
7\tx9197\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.Advances net of provision to total assets (C8/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 8.19%\tab \up0 \expndtw-1\charscalex100
8.05%\tab \up0 \expndtw-1\charscalex100 9.81%\tab \up0 \expndtw-1\charscalex100
11.37%\tab \up0 \expndtw-1\charscalex100 12.98%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7037\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 4.Deposits to total assets ( B3/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscale
x100 15.15%\tab \up0 \expndtw-1\charscalex100 17.49%\tab \up0 \expndtw-1\charsca
lex100 20.18%\tab \up0 \expndtw-1\charscalex100 16.39%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.51%\tab \up0 \expn
dtw-1\charscalex100 21.20%\tab \up0 \expndtw-1\charscalex100 27.83%\tab \up0 \ex
pndtw-1\charscalex100 28.57%\tab \up0 \expndtw-1\charscalex100 28.85%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7304\tx8057\tx9137\tx10217\tx11297 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposit (C5/
B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 60.55%\tab \up0 \expndtw-1\charscalex100 61.59%\tab \up0
\expndtw-1\charscalex100 58.19%\tab \up0 \expndtw-1\charscalex100 81.37%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8057\tx9137\tx10217\tx11297 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowin
g & deposit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 157.84%\tab \up0 \expndtw-1\charscalex100 44.61%\tab \up0 \expndtw-1\char
scalex100 39.65%\tab \up0 \expndtw-1\charscalex100 42.18%\tab \up0 \expndtw-1\ch
arscalex100 47.64%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb
0\sl-161\slmult0\fi194\tx6977\tx8057\tx9197\tx10277\tx11357 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances
(C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.90%\t
ab \up0 \expndtw-1\charscalex100 26.35%\tab \up0 \expndtw-1\charscalex100 8.57%\

tab \up0 \expndtw-1\charscalex100 9.83%\tab \up0 \expndtw-1\charscalex100 8.47%\

par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9197\tx10277\tx11357 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NP
Ls to gross advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 21.51%\tab \up0 \expndtw-1\charscalex100 12.26%\tab \up0 \expndtw-1
\charscalex100 8.91%\tab \up0 \expndtw-1\charscalex100 3.19%\tab \up0 \expndtw-1
\charscalex100 2.68%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx91
97\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.NPLs to total equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 2.75%\tab \up0 \expndtw-1\charscalex100 3.07%\tab \up0 \expndtw-1\c
harscalex100 1.28%\tab \up0 \expndtw-1\charscalex100 1.62%\tab \up0 \expndtw-1\c
harscalex100 1.59%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9197
\tx10143\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.N
PLs write off to NPLs provision (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 66.95%\tab \up0 \expndtw-1\charscalex100 56.13%\tab \up0
\expndtw-1\charscalex100 2.19%\tab \up0 \expndtw-1\charscalex100 141.06%\tab \u
p0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx690
3\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 108.12%\tab \up0 \expndtw-1\charscalex100 46
.52%\tab \up0 \expndtw-1\charscalex100 104.03%\tab \up0 \expndtw-1\charscalex100
32.40%\tab \up0 \expndtw-1\charscalex100 31.60%\par\pard\li900\sb15\sl-184\slmu
lt0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital/l
everage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10
217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capita
l ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75
.49%\tab \up0 \expndtw-1\charscalex100 78.80%\tab \up0 \expndtw-1\charscalex100
72.17%\tab \up0 \expndtw-1\charscalex100 71.43%\tab \up0 \expndtw-1\charscalex10
0 71.15%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\t
x11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments
& contingencies to total equity (E2/A) (times)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0.04\tab \up0 \expndtw-1\charscalex100 0.27\tab
\up0 \expndtw-1\charscalex100 0.16\tab \up0 \expndtw-1\charscalex100 0.34\tab \u
p0 \expndtw-1\charscalex100 0.45\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00\tab \up0 \expndtw-1\charscalex100
0.19\tab \up0 \expndtw-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0
.28\tab \up0 \expndtw-1\charscalex100 0.23\par\pard\ql \li944\sb7\sl-184\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \
par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8024\tx9239\tx10319\tx11399 \dn2
\expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from op
erating activities to profit after tax (E1/D10) (times)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 0.39\tab \up0 \expndtw-1\charscalex100 516.24\tab \up0 \expndtw-1\charscalex100 -1.01\tab \up0 \expndtw-1\charscalex100
-0.46\tab \up0 \expndtw-1\charscalex100 -1.88\par\pard\ql \li6127\sb0\sl-161\sl
mult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmu
lt0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult
0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb158\sl-161\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 69
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g78}{\bkmkend Pg78}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 THE BANK OF TOKYO-MITSUBISHI-UFJ, LIMITED\tab \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li90
0\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab
\up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \
up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813
\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2,454,236\tab \up0 \expndtw-1\charscalex100 3,957,242\tab \
up0 \expndtw-1\charscalex100 4,087,588\tab \up0 \expndtw-1\charscalex100 4,700,4
27\tab \up0 \expndtw-1\charscalex100 5,155,321\par\pard\li900\sb0\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Head office capital account\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 2,374,857\tab \up0 \expndtw-1\charscalex10
0 3,878,698\tab \up0 \expndtw-1\charscalex100 4,041,323\tab \up0 \expndtw-1\char
scalex100 4,652,493\tab \up0 \expndtw-1\charscalex100 5,122,691\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \
up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \exp
ndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Unremitted profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 79,379\tab \up0 \expndtw-1\charscalex100 78,544\tab \up0 \expndtw-1\charsca
lex100 46,265\tab \up0 \expndtw-1\charscalex100 47,934\tab \up0 \expndtw-1\chars
calex100 32,630\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx
10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Othe

rs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \e

xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb39\sl-155\
slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,027,209\tab \up0 \expndtw-1\chars
calex100 6,106,000\tab \up0 \expndtw-1\charscalex100 4,458,128\tab \up0 \expndtw
-1\charscalex100 4,343,431\tab \up0 \expndtw-1\charscalex100 3,240,864\par\pard\
li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9078\tx10293\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,914\tab \up0 \expndtw-1\chars
calex100 12,559\tab \up0 \expndtw-1\charscalex100 216,907\tab \up0 \expndtw-1\ch
arscalex100 9,419\tab \up0 \expndtw-1\charscalex100 86,567\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings from financial institutions\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,996,400\tab \up0
\expndtw-1\charscalex100 4,258,351\tab \up0 \expndtw-1\charscalex100 1,397,725\
tab \up0 \expndtw-1\charscalex100 1,868,489\tab \up0 \expndtw-1\charscalex100 1,
075,726\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and
other accounts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
978,846\tab \up0 \expndtw-1\charscalex100 1,715,912\tab \up0 \expndtw-1\charscal
ex100 2,740,049\tab \up0 \expndtw-1\charscalex100 2,349,722\tab \up0 \expndtw-1\
charscalex100 1,991,569\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\t
x9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 31,049\tab \up0 \expndtw-1\charscalex100 119,178\tab \up0 \expndtw-1
\charscalex100 103,447\tab \up0 \expndtw-1\charscalex100 115,801\tab \up0 \expnd
tw-1\charscalex100 87,002\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7833\
tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 C.Total assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 5,481,445\tab \up0 \expndtw-1\charscalex100 10,063,242\
tab \up0 \expndtw-1\charscalex100 8,545,716\tab \up0 \expndtw-1\charscalex100 9,
043,858\tab \up0 \expndtw-1\charscalex100 8,396,185\par\pard\li900\sb6\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,475,776\tab \up0 \expndtw
-1\charscalex100 4,072,080\tab \up0 \expndtw-1\charscalex100 4,237,350\tab \up0
\expndtw-1\charscalex100 4,840,033\tab \up0 \expndtw-1\charscalex100 5,283,777\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11238 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other b
anks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,550\tab
\up0 \expndtw-1\charscalex100 36,983\tab \up0 \expndtw-1\charscalex100 91,075\ta
b \up0 \expndtw-1\charscalex100 88,400\tab \up0 \expndtw-1\charscalex100 123,553
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11238 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financia
l institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
00,000\tab \up0 \expndtw-1\charscalex100 1,597,697\tab \up0 \expndtw-1\charscale
x100 1,905,551\tab \up0 \expndtw-1\charscalex100 1,013,607\tab \up0 \expndtw-1\c
harscalex100 654,928\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx94
38\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\t
ab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 2,621,101\tab \up0 \expndtw-1\charscal
ex100 4,092,787\tab \up0 \expndtw-1\charscalex100 2,198,843\tab \up0 \expndtw-1\
charscalex100 2,980,932\tab \up0 \expndtw-1\charscalex100 2,214,722\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10158\tx11598 \dn2 \expndtw-

2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classifi

ed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 113,339\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 7.Provision against advances\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\
tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 8.Advances net of provision (C5-C7)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2,621,101\tab \up0 \expndtw-1\charscalex100 4,
092,787\tab \up0 \expndtw-1\charscalex100 2,198,843\tab \up0 \expndtw-1\charscal
ex100 2,980,932\tab \up0 \expndtw-1\charscalex100 2,214,722\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 23,262\tab \up0 \expndtw-1\charscalex100 19
,422\tab \up0 \expndtw-1\charscalex100 27,336\tab \up0 \expndtw-1\charscalex100
30,055\tab \up0 \expndtw-1\charscalex100 28,937\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 150,756\tab \up0 \expndtw-1\charscalex100 244,27
3\tab \up0 \expndtw-1\charscalex100 85,561\tab \up0 \expndtw-1\charscalex100 90,
831\tab \up0 \expndtw-1\charscalex100 90,268\par\pard\li900\sb14\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss
account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx
11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/inter
est earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 330,5
90\tab \up0 \expndtw-1\charscalex100 538,145\tab \up0 \expndtw-1\charscalex100 5
16,130\tab \up0 \expndtw-1\charscalex100 509,987\tab \up0 \expndtw-1\charscalex1
00 569,784\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Markup/in
terest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
243,394\tab \up0 \expndtw-1\charscalex100 391,186\tab \up0 \expndtw-1\charscalex
100 385,251\tab \up0 \expndtw-1\charscalex100 406,928\tab \up0 \expndtw-1\charsc
alex100 468,924\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx
10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net
markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 87,196\tab \up0 \expndtw-1\charscalex100 146,959\tab \up0 \expndtw-1\char
scalex100 130,879\tab \up0 \expndtw-1\charscalex100 103,059\tab \up0 \expndtw-1\
charscalex100 100,860\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9
438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest in
come after provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 87,196\tab \up0 \expndtw-1\charscalex100 146,959\tab \up0 \expndtw-1\chars
calex100 130,879\tab \up0 \expndtw-1\charscalex100 103,059\tab \up0 \expndtw-1\c
harscalex100 100,860\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx90
78\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6
.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 61,290\tab \up0 \expndtw-1\charscalex100 80,485\tab \up0 \expndtw-1\
charscalex100 180,185\tab \up0 \expndtw-1\charscalex100 184,717\tab \up0 \expndt
w-1\charscalex100 103,131\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 68,639\tab \up0 \expndtw-1\charscalex100 103,346\tab \up0 \ex
pndtw-1\charscalex100 114,573\tab \up0 \expndtw-1\charscalex100 114,543\tab \up0

\expndtw-1\charscalex100 141,791\par\pard\li900\sb19\sl-161\slmult0\fi194\tx697
8\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 8.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 68,323\tab \up0 \expndtw-1\charscalex100 97,011\tab \up0 \
expndtw-1\charscalex100 112,088\tab \up0 \expndtw-1\charscalex100 113,080\tab \u
p0 \expndtw-1\charscalex100 140,422\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
978\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 79,847\tab \up0 \expndtw-1\charscalex100 124,098\t
ab \up0 \expndtw-1\charscalex100 65,612\tab \up0 \expndtw-1\charscalex100 70,174
\tab \up0 \expndtw-1\charscalex100 62,200\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 79,299\tab \up0 \expndtw-1\charscalex100 78,
396\tab \up0 \expndtw-1\charscalex100 45,928\tab \up0 \expndtw-1\charscalex100 4
7,600\tab \up0 \expndtw-1\charscalex100 33,790\par\pard\li900\sb14\sl-184\slmult
0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items
\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from
operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 62,702\tab \up0 \expndtw-1\charscalex100 202,342\tab \up0 \expndtw-1\charsc
alex100 151,296\tab \up0 \expndtw-1\charscalex100 46,074\tab \up0 \expndtw-1\cha
rscalex100 65,752\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\
tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Co
mmitments and contingencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 13,545,977\tab \up0 \expndtw-1\charscalex100 4,958,383\tab \up0 \exp
ndtw-1\charscalex100 3,781,342\tab \up0 \expndtw-1\charscalex100 2,780,898\tab \
up0 \expndtw-1\charscalex100 3,244,830\par\pard\li900\sb14\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/P
rofitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.S
pread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 26.38%\tab \up0 \expndtw-1\charscalex100 27.31%\tab \up0 \expndtw-1\charscal
ex100 25.36%\tab \up0 \expndtw-1\charscalex100 20.21%\tab \up0 \expndtw-1\charsc
alex100 17.70%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1
0278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net m
arkup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 1.59%\tab \up0 \expndtw-1\charscalex100 1.46%\tab \up0 \expndtw1\charscalex100 1.53%\tab \up0 \expndtw-1\charscalex100 1.14%\tab \up0 \expndtw1\charscalex100 1.20%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9
198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3.23%\tab \up0 \expndtw-1\charscalex100 1.98%\tab \up0 \expndtw
-1\charscalex100 1.12%\tab \up0 \expndtw-1\charscalex100 1.01%\tab \up0 \expndtw
-1\charscalex100 0.66%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx
9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1.45%\tab \up0 \expndtw-1\charscalex100 0.78%\tab \up0 \expndt
w-1\charscalex100 0.54%\tab \up0 \expndtw-1\charscalex100 0.53%\tab \up0 \expndt
w-1\charscalex100 0.40%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\t
x9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 1.12%\tab \up0 \expndtw-1\charscalex100 0.
80%\tab \up0 \expndtw-1\charscalex100 2.11%\tab \up0 \expndtw-1\charscalex100 2.
04%\tab \up0 \expndtw-1\charscalex100 1.23%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 6.Net markup/Interest income (after prov.) to total assets
(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.59%\tab
\up0 \expndtw-1\charscalex100 1.46%\tab \up0 \expndtw-1\charscalex100 1.53%\tab
\up0 \expndtw-1\charscalex100 1.14%\tab \up0 \expndtw-1\charscalex100 1.20%\par

\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expense
to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 73.62%\tab \up0 \expndtw-1\charscalex100 72.69%\tab \up0 \exp
ndtw-1\charscalex100 74.64%\tab \up0 \expndtw-1\charscalex100 79.79%\tab \up0 \e
xpndtw-1\charscalex100 82.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx
8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 8.Admin expense to profit before tax.(D8/D9) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.86\tab \up0 \expndtw-1\charscalex
100 0.78\tab \up0 \expndtw-1\charscalex100 1.71\tab \up0 \expndtw-1\charscalex10
0 1.61\tab \up0 \expndtw-1\charscalex100 2.26\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 9.Non-markup/interest expense to total income D7/(D1+D6)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17.52%\tab \up0
\expndtw-1\charscalex100 16.71%\tab \up0 \expndtw-1\charscalex100 16.45%\tab \u
p0 \expndtw-1\charscalex100 16.49%\tab \up0 \expndtw-1\charscalex100 21.07%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. exp. to non-mark
up/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1.11\tab \up0 \expndtw-1\charscalex100 1.21\tab \up0 \expndtw
-1\charscalex100 0.62\tab \up0 \expndtw-1\charscalex100 0.61\tab \up0 \expndtw-1
\charscalex100 1.36\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl
-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1
+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 45.36%\ta
b \up0 \expndtw-1\charscalex100 40.83%\tab \up0 \expndtw-1\charscalex100 50.65%\
tab \up0 \expndtw-1\charscalex100 54.49%\tab \up0 \expndtw-1\charscalex100 64.40
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to tota
l assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net o
f provision to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 47.82%\tab \up0 \expndtw-1\charscalex100 40.67%\tab \up0 \exp
ndtw-1\charscalex100 25.73%\tab \up0 \expndtw-1\charscalex100 32.96%\tab \up0 \e
xpndtw-1\charscalex100 26.38%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Deposits to total assets ( B3/C)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 17.86%\tab \up0 \expndtw-1\charscalex100 17.05%\tab \
up0 \expndtw-1\charscalex100 32.06%\tab \up0 \expndtw-1\charscalex100 25.98%\tab
\up0 \expndtw-1\charscalex100 23.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 55.23%\tab \up0 \expndtw-1\charscalex1
00 60.68%\tab \up0 \expndtw-1\charscalex100 52.17%\tab \up0 \expndtw-1\charscale
x100 48.03%\tab \up0 \expndtw-1\charscalex100 38.60%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx6903\tx7983\tx9138\tx10143\tx11223 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Gross advances to deposit (C5/B3)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 267.77%\tab \up0 \expndtw-1\c
harscalex100 238.52%\tab \up0 \expndtw-1\charscalex100 80.25%\tab \up0 \expndtw1\charscalex100 126.86%\tab \up0 \expndtw-1\charscalex100 111.20%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & depo
sit C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8
8.10%\tab \up0 \expndtw-1\charscalex100 68.51%\tab \up0 \expndtw-1\charscalex100
53.14%\tab \up0 \expndtw-1\charscalex100 70.67%\tab \up0 \expndtw-1\charscalex1
00 72.20%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100

\ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\

slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 3.80%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs to gross
advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx
11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to tota
l equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 2.41%\tab \up0 \expndtw-1\charscalex100
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7304\tx8384\tx9464\tx10544\tx11
624 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off
to NPLs provision (D4/C7)\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-2\charscalex100 -\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7304\tx8384\tx9464\tx10278\tx11624 \dn2 \expndtw-2\charscalex100 5.Pro
vision against NPL to NPLs (C7/C6)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 -\par\pard\li900\sb15\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital/leverage ra
tios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.77%\tab \
up0 \expndtw-1\charscalex100 39.32%\tab \up0 \expndtw-1\charscalex100 47.83%\tab
\up0 \expndtw-1\charscalex100 51.97%\tab \up0 \expndtw-1\charscalex100 61.40%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & conting
encies to total equity (E2/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 5.52\tab \up0 \expndtw-1\charscalex100 1.25\tab \up0 \expn
dtw-1\charscalex100 0.93\tab \up0 \expndtw-1\charscalex100 0.59\tab \up0 \expndt
w-1\charscalex100 0.63\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx
9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Total deposit to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0.40\tab \up0 \expndtw-1\charscalex100 0.43\tab
\up0 \expndtw-1\charscalex100 0.67\tab \up0 \expndtw-1\charscalex100 0.50\tab \u
p0 \expndtw-1\charscalex100 0.39\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\l
i1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating ac
tivities to profit after tax (E1/D10) (times)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.79\tab \up0 \expndtw-1\charscalex100 2.58\tab \u
p0 \expndtw-1\charscalex100 3.29\tab \up0 \expndtw-1\charscalex100 0.97\tab \up0
\expndtw-1\charscalex100 1.95\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\
ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql
\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\l
i6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6
127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb158\sl-161\slmult0 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 70
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a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
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a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
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a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
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a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800
a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2803ffd9}}}}}\pard\sb0\sl-24
0{\bkmkstart Pg79}{\bkmkend Pg79}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li
6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\
sl-184\slmult0\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\
fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-368\slmult0
\par\pard\ql\li1728\sb113\sl-368\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf22\f23\fs32 D\ul0\nosupersub\cf23\f24\fs26 EVELOPMENT \ul0\nosupersub\cf
22\f23\fs32 F\ul0\nosupersub\cf23\f24\fs26 INANCE \ul0\nosupersub\cf22\f23\fs32
I\ul0\nosupersub\cf23\f24\fs26 NSTITUTIONS \ul0\nosupersub\cf22\f23\fs32 (DFI\ul
0\nosupersub\cf23\f24\fs26 S\ul0\nosupersub\cf22\f23\fs32 ) \par\pard\ql \li1728
\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb78\sl-218\slmult0 \up0 \expndtw0\chars
calex101 \ul0\nosupersub\cf29\f30\fs24 P\ul0\nosupersub\cf42\f43\fs19 ERFORMANCE
AT A \ul0\nosupersub\cf29\f30\fs24 G\ul0\nosupersub\cf42\f43\fs19 LANCE \par\pa
rd\ql \li1728\sb214\sl-253\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf25\f26\fs22 DFIs reflected an increase in their balance sheet size during 201
1. Total equity registered a growth of \par\pard\qj \li1728\ri1250\sb23\sl-380\s
lmult0 \up0 \expndtw-1\charscalex100 6.4 percent over the last year. The profit
before tax decreased by 29.3 percent, whereas profit after tax \up0 \expndtw-3\c
harscalex100 decreased by 64.2 percent during the year. \par\pard\ql \li1728\sb0
\sl-230\slmult0 \par\pard\ql\li1728\sb114\sl-230\slmult0 \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF \
ul0\nosupersub\cf29\f30\fs24 S\ul0\nosupersub\cf42\f43\fs19 HAREHOLDERS\ul0\nosu
persub\cf29\f30\fs24 \u8217? E\ul0\nosupersub\cf42\f43\fs19 QUITY \par\pard\ql \
li7256\sb60\sl-218\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf61\f6
2\fs19 Components of Balance Sheets\par\pard\sect\sectd\sbknone\cols2\colno1\col
w6632\colsr160\colno2\colw5308\colsr160\ql \li1728\sb151\sl-253\slmult0 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Shareholders\u8217? equity o
f DFIs increased from Rs\par\pard\ql \li1728\sb127\sl-253\slmult0\tx2275\tx4303
\up0 \expndtw-3\charscalex100 55.4\tab \up0 \expndtw0\charscalex106 billion to
Rs \up0 \expndtw-3\charscalex100 58.9\tab \up0 \expndtw0\charscalex104 billion
in CY11,\par\pard\qj \li1728\ri591\sb23\sl-379\slmult0 \up0 \expndtw0\charscal
ex103 witnessing a growth of Rs 3.6 billion or 6.4 \line \up0 \expndtw0\chars
calex102 percent over CY10. Total liabilities increased \line \up0 \expndtw0\cha
rscalex102 during CY11. In absolute terms, total assets \line \up0 \expndtw-2
\charscalex100 substantially increased from Rs 119.0 billion in \line \up0 \expn
dtw0\charscalex102 CY10 to Rs 130.5 billion in CY11. Similarly,\par\pard\column
\ql \li20\sb136\sl-184\slmult0\tx3327 \up0 \expndtw0\charscalex100 \ul0\nosupers
ub\cf60\f61\fs16 140\tab \up0 \expndtw0\charscalex100 20%\par\pard\ql \li20\sb26
\sl-184\slmult0\tx1954 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf59\f60\fs1
6 120\tab \up0 \expndtw0\charscalex100 18%\par\pard\ql \li20\sb26\sl-184\slmult0
\tx3327 \up0 \expndtw0\charscalex100 100\tab \up0 \expndtw0\charscalex100 15%\pa
r\pard\ql \li108\sb25\sl-184\slmult0\tx3327 \up0 \expndtw0\charscalex100 \ul0\no
supersub\cf60\f61\fs16 80\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf59\
f60\fs16 10%\par\pard\ql \li108\sb60\sl-144\slmult0\tx2874 \up0 \expndtw0\charsc
alex100 60\tab \up0 \expndtw0\charscalex100 10%\par\pard\ql \li108\sb32\sl-184\s
lmult0\tx1042\tx3334 \up0 \expndtw0\charscalex100 40\tab \up0 \expndtw-1\charsca

lex100 6%\tab \up0 \expndtw-1\charscalex100 5%\par\pard\ql \li108\sb49\sl-157\sl

mult0 \up0 \expndtw0\charscalex100 20\par\pard\ql \li185\sb30\sl-184\slmult0\tx3
334 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf60\f61\fs16 0\tab \up0 \expn
dtw-1\charscalex100 0%\par\pard\ql \li690\sb0\sl-90\slmult0\tx1507\tx2487 \up0 \
expndtw0\charscalex100 \ul0\nosupersub\cf58\f59\fs10 Total SHE\tab \up0 \expndtw
-1\charscalex100 Total Liabilities\tab \up0 \expndtw-1\charscalex100 Total Asset
s\par\pard\ql \li69\sb31\sl-115\slmult0\tx802\tx1722\tx2618 \up0 \expndtw-2\char
scalex100 CY 10\tab \up0 \expndtw-2\charscalex100 55.4\tab \up0 \expndtw-2\chars
calex100 60.0\tab \up0 \expndtw-2\charscalex100 119.0\par\pard\ql \li69\sb68\sl115\slmult0\tx802\tx1722\tx2618 \up0 \expndtw-2\charscalex100 CY 11\tab \up0 \ex
pndtw-2\charscalex100 58.9\tab \up0 \expndtw-2\charscalex100 70.9\tab \up0 \expn
dtw-2\charscalex100 130.5\par\pard\ql \li74\sb68\sl-115\slmult0\tx826\tx1722\tx2
642 \up0 \expndtw-1\charscalex100 Growth\tab \up0 \expndtw-2\charscalex100 6%\ta
b \up0 \expndtw-2\charscalex100 18%\tab \up0 \expndtw-2\charscalex100 10% \par\p
ard\sect\sectd\sbknone \ql \li1728\sb135\sl-253\slmult0 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf25\f26\fs22 total liabilities also increased by 18.2 per
cent in CY11 over CY10. \par\pard\ql \li1728\sb0\sl-218\slmult0 \par\pard\ql\li1
728\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb20\sl-218\slmult0 \up0 \expndtw0\ch
arscalex101 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS
OF \ul0\nosupersub\cf29\f30\fs24 L\ul0\nosupersub\cf42\f43\fs19 IABILITIES \par
\pard\qj \li1728\ri1239\sb49\sl-380\slmult0 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf25\f26\fs22 Looking at the liabilities side of DFIs, analysis reveal
s that major portion has been through borrowings \up0 \expndtw-2\charscalex100 f
rom financial institutions. Borrowings increased from Rs 40.0 billion in CY10 to
Rs. 54.6\par\pard\sect\sectd\sbknone\cols2\colno1\colw6995\colsr60\colno2\colw5
045\colsr160\ql \li2403\sb0\sl-241\slmult0 \par\pard\ql \li2580\sb159\sl-241\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf65\f66\fs21 Major Component
s of Liabilities\par\pard\ql \li2403\sb125\sl-195\slmult0\tx3325\tx5457 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf63\f64\fs17 60\tab \up0 \expndtw0\charsca
lex101 37%\tab \up0 \expndtw0\charscalex101 40%\par\pard\ql \li2403\sb43\sl-195\
slmult0\tx5457\tx6539 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf64\f65\fs17
50\tab \up0 \expndtw0\charscalex101 30%\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf66\f67\fs17 100%\par\pard\ql \li2403\sb42\sl-195\slmult0\tx5457 \up
0 \expndtw0\charscalex100 \ul0\nosupersub\cf64\f65\fs17 40\tab \up0 \expndtw0\ch
arscalex101 20%\par\pard\column \ql \li7055\sb0\sl-241\slmult0 \par\pard\ql \li2
0\sb167\sl-241\slmult0 \up0 \expndtw-6\charscalex100 \ul0\nosupersub\cf68\f69\fs
21 Share of Borrowings in Total Liabilities\par\pard\ql \li7602\sb0\sl-195\slmul
t0 \par\pard\ql \li604\sb110\sl-195\slmult0\tx1715 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf66\f67\fs17 5%\tab \up0 \expndtw-1\charscalex100 5%\par\pard\
ql \li567\sb81\sl-195\slmult0\tx1677\tx2899 \up0 \expndtw-1\charscalex100 28%\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf67\f68\fs17 18%\tab \up0 \expn
dtw-2\charscalex100 Others\par\pard\sect\sectd\sbknone\cols4\colno1\colw3674\col
sr160\colno2\colw1573\colsr60\colno3\colw1029\colsr160\colno4\colw5464\colsr160\
ql \li2403\sb42\sl-195\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf63
\f64\fs17 30\par\pard\ql \li2403\sb43\sl-195\slmult0 \up0 \expndtw0\charscalex10
0 \ul0\nosupersub\cf64\f65\fs17 20\par\pard\ql \li2403\sb43\sl-195\slmult0 \up0
\expndtw0\charscalex100 10\par\pard\ql \li2498\sb42\sl-195\slmult0 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf63\f64\fs17 0\par\pard\ql \li2905\sb0\sl-90\s
lmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf62\f63\fs10 Borrowlings\p
ar\pard\ql \li2361\sb37\sl-115\slmult0\tx3067 \up0 \expndtw-1\charscalex100 CY 1
0\tab \up0 \expndtw-1\charscalex100 40.0\par\pard\ql \li2361\sb75\sl-115\slmult0
\tx3067 \up0 \expndtw-1\charscalex100 CY 11\tab \up0 \expndtw-1\charscalex100 54
.6\par\pard\ql \li2367\sb74\sl-115\slmult0\tx3067 \up0 \expndtw0\charscalex100 G
rowth\tab \up0 \expndtw-1\charscalex100 37%\par\pard\column \ql \li1219\sb0\sl-1
53\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf63\f64\fs17 14%\par\pa
rd\ql \li3834\sb0\sl-195\slmult0 \par\pard\ql \li3834\sb0\sl-195\slmult0 \par\pa
rd\ql \li368\sb101\sl-195\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f64\f65\fs17 -24%\par\pard\ql \li20\sb51\sl-115\slmult0\tx915 \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf62\f63\fs10 Deposits\tab \up0 \expndtw-1\charscale
x100 Others\par\pard\ql \li110\sb73\sl-115\slmult0\tx993 \up0 \expndtw-1\charsca

lex100 17.1\tab \up0 \expndtw-1\charscalex100 3.0\par\pard\ql \li110\sb75\sl-115

\slmult0\tx993 \up0 \expndtw-1\charscalex100 12.9\tab \up0 \expndtw-1\charscalex
100 3.4\par\pard\ql \li97\sb74\sl-115\slmult0\tx967 \up0 \expndtw-2\charscalex10
0 -24%\tab \up0 \expndtw-1\charscalex100 14%\par\pard\column \ql \li25\sb0\sl-15
3\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf64\f65\fs17 10%\par\par
d\ql \li20\sb1\sl-183\slmult0 \up0 \expndtw0\charscalex100 0%\par\pard\ql \li26\
sb11\sl-195\slmult0 \up0 \expndtw0\charscalex100 -10%\par\pard\ql \li26\sb8\sl-1
95\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf63\f64\fs17 -20%\par\p
ard\ql \li26\sb9\sl-195\slmult0 \up0 \expndtw0\charscalex100 -30%\par\pard\colum
n \ql \li20\sb0\sl-153\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf6
6\f67\fs17 80%\par\pard\ql \li20\sb76\sl-195\slmult0\tx3318 \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf67\f68\fs17 60%\tab \up0 \expndtw-3\charscalex100 De
posits\par\pard\ql \li20\sb135\sl-195\slmult0\tx991\tx2096 \up0 \expndtw-1\chars
calex100 40%\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf66\f67\fs17 67%
\tab \up0 \expndtw-1\charscalex100 77%\par\pard\ql \li3313\sb0\sl-153\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf67\f68\fs17 Borrowlings\par\pard\q
l \li20\sb1\sl-172\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf66\f6
7\fs17 20%\par\pard\ql \li100\sb138\sl-195\slmult0 \up0 \expndtw-1\charscalex100
0%\par\pard\ql \li830\sb28\sl-195\slmult0\tx1941 \up0 \expndtw-4\charscalex100
CY 10\tab \up0 \expndtw-4\charscalex100 CY 11 \par\pard\sect\sectd\sbknone \qj \
li1728\ri1263\sb337\sl-380\slmult0\fi55 \up0 \expndtw0\charscalex100 \ul0\nosupe
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Y10, and at the same time the share of \line \up0 \expndtw0\charscalex104 borrow
ings in total liabilities has also increased. The other major component was depo
sits which \line \up0 \expndtw0\charscalex100 contributed around 18.2 percent of
total liabilities during CY11. Total deposits of DFIs stood at Rs. \par\pard\ql
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sing a decrease of Rs. 4.1 billion in CY11 over CY10. \par\pard\ql \li6145\sb0\s
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ar\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb0\sl-276\slmult0 \p
ar\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb114\sl-276\slmult0
\up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42
\f43\fs19 NALYSIS OF \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs1
9 SSETS\par\pard\qj \li1728\sb0\sl-379\slmult0 \par\pard\qj \li1728\ri341\sb31\s
l-379\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf25\f26\fs22 In CY11
, total assets stood at Rs 130.5 billion, \line \up0 \expndtw0\charscalex102 inc
reased by 9.7 percent compared to previous\par\pard\column \ql \li6629\sb0\sl-18
4\slmult0 \par\pard\ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \li20\sb175\sl-18
4\slmult0\tx3521 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Finan
cial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf8\f9\fs16 2011\par\pard\ql \li6860\sb0\sl-218\slmult0 \par\pard\
ql \li6860\sb0\sl-218\slmult0 \par\pard\ql \li6860\sb0\sl-218\slmult0 \par\pard\
ql \li6860\sb0\sl-218\slmult0 \par\pard\ql \li906\sb118\sl-218\slmult0 \up0 \exp
ndtw-5\charscalex100 \ul0\nosupersub\cf72\f73\fs19 Major components of assets\pa
r\pard\ql \li251\sb137\sl-172\slmult0\tx3572 \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf71\f72\fs15 100\tab \up0 \expndtw-1\charscalex100 40%\par\pard\ql \
li335\sb98\sl-172\slmult0\tx2527\tx3572 \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf70\f71\fs15 80\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf71\f7
2\fs15 27%\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf70\f71\fs15 20%\p
ar\pard\ql \li3229\sb1\sl-141\slmult0\tx3580 \up0 \expndtw-1\charscalex100 4%\ta
b \up0 \expndtw-1\charscalex100 0% \par\pard\sect\sectd\sbknone \ql \li6944\sb0\
sl-127\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf71\f72\fs15 60\pa
r\pard\sect\sectd\sbknone\cols3\colno1\colw6746\colsr160\colno2\colw1207\colsr40
\colno3\colw3957\colsr160\ql \li1728\sb12\sl-224\slmult0 \up0 \expndtw0\charscal
ex100 \ul0\nosupersub\cf25\f26\fs22 year. The analysis of components of total as
sets\par\pard\qj \li1728\ri621\sb28\sl-379\slmult0 \up0 \expndtw0\charscalex108
reveals that investment activities of DFIs \line \up0 \expndtw0\charscalex1
00 increased while lending to financial institutions \line \up0 \expndtw0\charsc
alex101 further decreased during CY11. The amount of \line \up0 \expndtw0\charsc
alex101 lending to financial institutions decreased from\par\pard\column \ql \li
58\sb101\sl-172\slmult0\tx850 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf70
\f71\fs15 40\tab \up0 \expndtw-1\charscalex100 -26%\par\pard\ql \li58\sb99\sl-17
2\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf71\f72\fs15 20\par\par
d\ql \li130\sb99\sl-172\slmult0 \up0 \expndtw-2\charscalex100 0\par\pard\ql \li4
77\sb0\sl-81\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf69\f70\fs9
Cash & Cash\par\pard\ql \li500\sb1\sl-99\slmult0 \up0 \expndtw-2\charscalex100 E
qulvalent\par\pard\ql \li26\sb78\sl-103\slmult0\tx644 \up0 \expndtw-2\charscalex
100 CY 10\tab \up0 \expndtw-2\charscalex100 4.6\par\pard\ql \li26\sb81\sl-103\sl
mult0\tx644 \up0 \expndtw-2\charscalex100 CY 11\tab \up0 \expndtw-2\charscalex10
0 3.4\par\pard\ql \li20\sb80\sl-103\slmult0\tx610 \up0 \expndtw-1\charscalex100
Growth\tab \up0 \expndtw-3\charscalex100 -26%\par\pard\column \ql \li2054\sb0\sl
-135\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf70\f71\fs15 -20%\pa
r\pard\ql \li2054\sb57\sl-172\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf71\f72\fs15 -40%\par\pard\ql \li308\sb90\sl-172\slmult0\tx2059 \up0 \expnd
tw-2\charscalex100 -62%\tab \up0 \expndtw-2\charscalex100 -60%\par\pard\ql \li20
54\sb18\sl-172\slmult0 \up0 \expndtw-2\charscalex100 -80%\par\pard\ql \li20\sb18
\sl-103\slmult0\tx657\tx1391 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf69\
f70\fs9 Lending\tab \up0 \expndtw-3\charscalex100 Investment\tab \up0 \expndtw-2
\charscalex100 Advances\par\pard\ql \li8225\sb0\sl-103\slmult0 \par\pard\ql \li1
02\sb39\sl-103\slmult0\tx785\tx1485 \up0 \expndtw-2\charscalex100 7.7\tab \up0 \

expndtw-2\charscalex100 60.2\tab \up0 \expndtw-2\charscalex100 44.2\par\pard\ql

\li102\sb80\sl-103\slmult0\tx785\tx1485 \up0 \expndtw-2\charscalex100 2.9\tab \u
p0 \expndtw-2\charscalex100 76.7\tab \up0 \expndtw-2\charscalex100 45.9\par\pard
\ql \li68\sb80\sl-103\slmult0\tx785\tx1508 \up0 \expndtw-3\charscalex100 -62%\ta
b \up0 \expndtw-2\charscalex100 27%\tab \up0 \expndtw-2\charscalex100 4% \par\pa
rd\sect\sectd\sbknone \qj \li1728\ri1245\sb47\sl-380\slmult0 \up0 \expndtw0\char
scalex102 \ul0\nosupersub\cf25\f26\fs22 Rs 7.7 billion in CY10 to Rs 2.9 billion
in CY11, recording a decrease of around 62.4 percent over \up0 \expndtw-1\chars
calex100 CY10. On the other hand, advances of DFIs increased by 3.8 percent over
CY10 however, its share in \up0 \expndtw-2\charscalex100 total assets decreased
from 37.1 percent in CY10 to 35.2 percent in CY11.\par\pard\sect\sectd\sbknone\
cols4\colno1\colw5281\colsr20\colno2\colw2488\colsr160\colno3\colw1830\colsr160\
colno4\colw2181\colsr160\ql \li2257\sb0\sl-218\slmult0 \par\pard\ql \li2257\sb0\
sl-218\slmult0 \par\pard\ql \li2257\sb0\sl-218\slmult0 \par\pard\ql \li2771\sb10
9\sl-218\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf76\f77\fs19 Maj
or Components of Advances\par\pard\ql \li2257\sb126\sl-184\slmult0 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf75\f76\fs16 50.0\par\pard\ql \li2257\sb111\sl
-184\slmult0\tx3880 \up0 \expndtw-2\charscalex100 40.0\tab \up0 \expndtw-1\chars
calex100 20%\par\pard\ql \li2257\sb112\sl-184\slmult0\tx4584 \up0 \expndtw-2\cha
rscalex100 30.0\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf74\f75\fs16
14%\par\pard\ql \li2257\sb111\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf75\f76\fs16 20.0\par\pard\ql \li2257\sb112\sl-184\slmult0\tx3182 \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf74\f75\fs16 10.0\tab \up0 \expndtw
-1\charscalex100 4%\par\pard\ql \li2343\sb112\sl-184\slmult0 \up0 \expndtw-3\cha
rscalex100 \ul0\nosupersub\cf75\f76\fs16 0.0\par\pard\column \ql \li5646\sb0\sl184\slmult0 \par\pard\ql \li5646\sb0\sl-184\slmult0 \par\pard\ql \li5646\sb0\sl184\slmult0 \par\pard\ql \li5646\sb0\sl-184\slmult0 \par\pard\ql \li5646\sb0\sl184\slmult0 \par\pard\ql \li5646\sb0\sl-184\slmult0 \par\pard\ql \li365\sb2\sl-1
84\slmult0 \up0 \expndtw-1\charscalex100 25%\par\pard\ql \li365\sb111\sl-184\slm
ult0 \up0 \expndtw-1\charscalex100 20%\par\pard\ql \li365\sb112\sl-184\slmult0 \
up0 \expndtw-1\charscalex100 15%\par\pard\ql \li365\sb111\sl-184\slmult0 \up0 \e
xpndtw-1\charscalex100 10%\par\pard\ql \li361\sb112\sl-184\slmult0 \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf74\f75\fs16 5%\par\pard\ql \li20\sb2\sl-184\s
lmult0 \up0 \expndtw-1\charscalex100 2%\par\pard\ql \li361\sb0\sl-144\slmult0 \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf75\f76\fs16 0%\par\pard\column \ql
\li7939\sb0\sl-322\slmult0 \par\pard\ql \li7939\sb0\sl-322\slmult0 \par\pard\ql
\li20\sb113\sl-322\slmult0 \up0 \expndtw0\charscalex110 \ul0\nosupersub\cf79\f8
0\fs28 NPL Analysis\par\pard\ql \li561\sb195\sl-218\slmult0 \up0 \expndtw-3\char
scalex100 \ul0\nosupersub\cf78\f79\fs19 15 %\par\pard\ql \li354\sb11\sl-218\slmu
lt0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf77\f78\fs19 13 %\par\pard\ql
\li805\sb105\sl-218\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf78\
f79\fs19 10 % \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf77\f78\fs19 11 %\p
ar\pard\column \ql \li9919\sb0\sl-184\slmult0 \par\pard\ql \li9919\sb0\sl-184\sl
mult0 \par\pard\ql \li9919\sb0\sl-184\slmult0 \par\pard\ql \li9919\sb0\sl-184\sl
mult0 \par\pard\ql \li9919\sb0\sl-184\slmult0 \par\pard\ql \li9919\sb0\sl-184\sl
mult0 \par\pard\ql \li9919\sb0\sl-184\slmult0 \par\pard\ql \li20\sb126\sl-184\sl
mult0 \up0 \expndtw0\charscalex111 \ul0\nosupersub\cf80\f81\fs16 NPL to Adv.\par
\pard\ql \li9919\sb0\sl-184\slmult0 \par\pard\ql \li9919\sb0\sl-184\slmult0 \par
\pard\ql \li20\sb85\sl-184\slmult0 \up0 \expndtw0\charscalex110 NPL to SHE\par\p
ard\sect\sectd\sbknone\cols4\colno1\colw3867\colsr60\colno2\colw2679\colsr60\col
no3\colw2086\colsr60\colno4\colw3308\colsr160\ql \li2828\sb0\sl-90\slmult0\tx366
7 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf73\f74\fs10 Adv. Gross\tab \up
0 \expndtw-3\charscalex100 NPL\par\pard\ql \li2343\sb1\sl-99\slmult0\tx2942\tx36
70 \up0 \expndtw-2\charscalex100 CY 10\tab \up0 \expndtw-2\charscalex100 44.2\ta
b \up0 \expndtw-2\charscalex100 6.9\par\pard\ql \li2343\sb71\sl-115\slmult0\tx29
42\tx3670 \up0 \expndtw-2\charscalex100 CY 11\tab \up0 \expndtw-2\charscalex100
45.9\tab \up0 \expndtw-2\charscalex100 8.3\par\pard\ql \li2348\sb67\sl-115\slmul
t0\tx2966\tx3647 \up0 \expndtw-1\charscalex100 Growth\tab \up0 \expndtw-2\charsc
alex100 4%\tab \up0 \expndtw-2\charscalex100 20%\par\pard\ql \li1728\sb0\sl-253\
slmult0 \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li1728\sb7\sl-253\

slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Non-performi

ng loans\par\pard\column \ql \li365\sb0\sl-90\slmult0\tx1074 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf73\f74\fs10 Provision\tab \up0 \expndtw-1\charscal
ex100 Adv. Net\par\pard\ql \li473\sb1\sl-105\slmult0\tx1159 \up0 \expndtw-2\char
scalex100 6.7\tab \up0 \expndtw-2\charscalex100 37.6\par\pard\ql \li473\sb69\sl115\slmult0\tx1159 \up0 \expndtw-2\charscalex100 7.6\tab \up0 \expndtw-2\charsca
lex100 38.3\par\pard\ql \li450\sb67\sl-115\slmult0\tx1182 \up0 \expndtw-2\charsc
alex100 14%\tab \up0 \expndtw-2\charscalex100 2%\par\pard\ql \li3927\sb0\sl-253\
slmult0 \par\pard\ql \li3927\sb0\sl-253\slmult0 \par\pard\ql \li20\sb3\sl-253\sl
mult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf25\f26\fs22 (NPLs) increas
ed from Rs\par\pard\column \ql \li719\sb0\sl-171\slmult0 \up0 \expndtw-3\chars
calex100 \ul0\nosupersub\cf77\f78\fs19 77 %\par\pard\ql \li396\sb0\sl-171\slmult
0 \up0 \expndtw-3\charscalex100 74 %\par\pard\ql \li6656\sb0\sl-253\slmult0 \par
\pard\ql \li6656\sb0\sl-253\slmult0 \par\pard\ql \li20\sb223\sl-253\slmult0\tx44
8 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 6.9\tab \up0 \expn
dtw0\charscalex102 billion in CY10\par\pard\column \ql \li1147\sb0\sl-144\slmu
lt0 \up0 \expndtw0\charscalex110 \ul0\nosupersub\cf81\f82\fs16 NPL Prov. To\par\
pard\ql \li1147\sb0\sl-144\slmult0 \up0 \expndtw0\charscalex109 NPL\par\pard\ql
\li8792\sb0\sl-253\slmult0 \par\pard\ql \li8792\sb0\sl-253\slmult0 \par\pard\ql
\li8792\sb0\sl-253\slmult0 \par\pard\ql \li20\sb25\sl-253\slmult0\tx1144 \up0 \e
xpndtw0\charscalex104 \ul0\nosupersub\cf25\f26\fs22 to Rs \up0 \expndtw-3\chars
calex100 8.3\tab \up0 \expndtw0\charscalex101 billion in \par\pard\sect\sectd\s
bknone \qj \li1728\ri1144\sb10\sl-380\slmult0 \up0 \expndtw0\charscalex100 CY11,
reflecting an increase of 19.8 percent. NPL to gross advances ratio increased f
rom 15.6 percent \up0 \expndtw-3\charscalex100 in CY10 to 18.0 percent in CY11.
\par\pard\ql \li1728\sb0\sl-230\slmult0 \par\pard\ql\li1728\sb0\sl-230\slmult0 \
par\pard\ql\li1728\sb0\sl-230\slmult0 \par\pard\ql\li1728\sb14\sl-230\slmult0 \u
p0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 P\ul0\nosupersub\cf42\f
43\fs19 ROFITABILITY OF \ul0\nosupersub\cf29\f30\fs24 DFI\ul0\nosupersub\cf42\f4
3\fs19 S \par\pard\qj \li1728\ri1233\sb167\sl-380\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf25\f26\fs22 In terms of profitability, CY11 witnessed
decreases both in profit before and after tax. Profit before tax \line \up0 \exp
ndtw-2\charscalex100 decreased from Rs. 4.2 billion in CY10 to Rs. 3.0 billion i
n CY11, showing a decrease of 29.3 percent. \par\pard\ql \li6145\sb0\sl-276\slmu
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\par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb190\sl-276\slmult0
\up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 72 \par\pard\sect\se
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45140051451400514514005145140051451400514514005145140051451400514514005145140051

45140051451400514514005145140051451400514514005145140051451400514514005145140051
45140051451400514514005145140051451400514514005145140051451400514514005145140051
45140051451400514514005145140051451400514514005145140051451400514514005145140051
45140051451400514514005145140051451400514514005145140051451400514514005145140051
4514005145140051451400514514005145140051451401ffd9}}}}}\pard\sb0\sl-240{\bkmksta
rt Pg81}{\bkmkend Pg81}\par\pard\sect\sectd\sbknone\cols5\colno1\colw2502\colsr1
60\colno2\colw317\colsr20\colno3\colw3490\colsr160\colno4\colw3346\colsr160\coln
o5\colw1975\colsr160\ql \li1929\sb0\sl-172\slmult0 \par\pard\ql \li1929\sb0\sl-1
72\slmult0 \par\pard\ql \li1929\sb0\sl-172\slmult0 \par\pard\ql \li1929\sb0\sl-1
72\slmult0 \par\pard\ql \li1929\sb0\sl-172\slmult0 \par\pard\ql \li1929\sb0\sl-1
72\slmult0 \par\pard\ql \li1929\sb0\sl-172\slmult0 \par\pard\ql \li1929\sb0\sl-1
72\slmult0 \par\pard\ql \li1929\sb0\sl-172\slmult0 \par\pard\ql \li1929\sb0\sl-1
72\slmult0 \par\pard\ql \li1929\sb0\sl-172\slmult0 \par\pard\ql \li1929\sb25\sl172\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf83\f84\fs15 45%\par\p
ard\column \ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li2662\sb0\sl-126\slmult0 \par\pard\ql \li2662\sb0\sl-126\slmult
0 \par\pard\ql \li20\sb69\sl-126\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf84\f85\fs11 42.9%\par\pard\column \ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li2989\sb0\sl-115\slmult0 \par\pard\ql \li2989\sb0\sl-115\slmult0 \par\p
ard\ql \li20\sb86\sl-115\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf
85\f86\fs10 43.8%\par\pard\column \ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \l
i6629\sb0\sl-184\slmult0 \par\pard\ql \li20\sb175\sl-184\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Finan
cial Sector\par\pard\ql \li7087\sb0\sl-184\slmult0 \par\pard\ql \li7087\sb0\sl-1
84\slmult0 \par\pard\ql \li7087\sb0\sl-184\slmult0 \par\pard\ql \li7087\sb0\sl-1
84\slmult0 \par\pard\ql \li7087\sb0\sl-184\slmult0 \par\pard\ql \li7087\sb0\sl-1
84\slmult0 \par\pard\ql \li478\sb177\sl-184\slmult0 \up0 \expndtw0\charscalex101
\ul0\nosupersub\cf87\f88\fs16 5.0\par\pard\column \ql \li10125\sb0\sl-184\slmul
t0 \par\pard\ql \li10125\sb0\sl-184\slmult0 \par\pard\ql \li20\sb175\sl-184\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\sect
\sectd\sbknone\cols2\colno1\colw6927\colsr160\colno2\colw5013\colsr160\ql \li192
9\sb0\sl-135\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf82\f83\fs15
40%\par\pard\ql \li1929\sb51\sl-172\slmult0\tx5465 \up0 \expndtw0\charscalex100
35%\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf83\f84\fs15 CY 10\par\pa
rd\ql \li1929\sb58\sl-172\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\c
f82\f83\fs15 30%\par\pard\ql \li1929\sb59\sl-172\slmult0\tx5465 \up0 \expndtw0\c
harscalex100 \ul0\nosupersub\cf83\f84\fs15 25%\tab \up0 \expndtw-1\charscalex100
CY 11\par\pard\ql \li1929\sb59\sl-172\slmult0 \up0 \expndtw0\charscalex100 20%\
par\pard\ql \li1929\sb59\sl-172\slmult0 \up0 \expndtw0\charscalex100 15%\par\par
d\ql \li1929\sb59\sl-172\slmult0\tx3795 \up0 \expndtw0\charscalex100 \ul0\nosupe
rsub\cf82\f83\fs15 10%\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf84\f8
5\fs11 4.9%\par\pard\ql \li2012\sb58\sl-172\slmult0\tx4121\tx4898\tx5225 \up0 \e
xpndtw0\charscalex100 \ul0\nosupersub\cf82\f83\fs15 5%\tab \up0 \expndtw0\charsc
alex100 \ul0\nosupersub\cf86\f87\fs10 1.7%\tab \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf84\f85\fs11 2.3%\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf86\f87\fs10 0.7%\par\pard\ql \li2012\sb59\sl-172\slmult0 \up0 \expndtw0\charsc
alex100 \ul0\nosupersub\cf82\f83\fs15 0%\par\pard\ql \li2500\sb16\sl-172\slmult0
\tx3857\tx4950 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf83\f84\fs15 Sprea
d Ratio\tab \up0 \expndtw-1\charscalex100 ROE\tab \up0 \expndtw-1\charscalex100

ROA\par\pard\column \ql \li815\sb0\sl-144\slmult0 \up0 \expndtw0\charscalex101 \

ul0\nosupersub\cf88\f89\fs16 4.2\par\pard\ql \li20\sb39\sl-184\slmult0 \up0 \exp
ndtw0\charscalex101 \ul0\nosupersub\cf87\f88\fs16 4.0\par\pard\ql \li1167\sb0\sl
-144\slmult0\tx2054 \up0 \expndtw0\charscalex101 3.0\tab \up0 \expndtw0\charscal
ex101 \ul0\nosupersub\cf88\f89\fs16 2.7\par\pard\ql \li20\sb71\sl-144\slmult0\tx
3376 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf87\f88\fs16 3.0\tab \up0 \ex
pndtw0\charscalex102 CY 10\par\pard\ql \li7087\sb0\sl-184\slmult0 \par\pard\ql \
li20\sb4\sl-184\slmult0\tx3376 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf88
\f89\fs16 2.0\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf87\f88\fs16 CY
11\par\pard\ql \li2401\sb0\sl-144\slmult0 \up0 \expndtw0\charscalex101 1.0\par\p
ard\ql \li20\sb39\sl-184\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf
88\f89\fs16 1.0\par\pard\ql \li20\sb181\sl-184\slmult0 \up0 \expndtw0\charscalex
101 \ul0\nosupersub\cf87\f88\fs16 0.0\par\pard\ql \li486\sb0\sl-102\slmult0\tx17
63 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf89\f90\fs11 Profit Before Taxa
tion\tab \up0 \expndtw0\charscalex102 Profit After Taxation \par\pard\sect\sectd
\sbknone \qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1246\sb7\sl-380\sl
mult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Return on asse
ts (ROA) declined from 2.3 percent in CY10 to 0.7 percent in CY11. Return on e
quity \up0 \expndtw0\charscalex102 (ROE) also witnessed a decrease from 4.9 perc
ent in CY10 to 1.7 percent in CY11. Spread ratio of \up0 \expndtw-1\charscalex10
0 DFIs slightly increased from 42.9 percent in CY10 to 43.8 percent in CY11. Bre
akup value decreased \up0 \expndtw-3\charscalex100 from Rs 15.07 per share in CY
10 to Rs 14.96 per share in CY11. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\p
ard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\par
d\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\
ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql
\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\l
i6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6
145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li614
5\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\
sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb
0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\
sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl
-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-2
76\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276
\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\s
lmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb62\sl-276\sl
mult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs24 73 \par\pard\s
ect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart Pg82}{\bkmkend
Pg82}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl-184\slmult0\f
i0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\fs16 Financial
Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\pard\li900\sb
79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf57
\f58\fs24 DFIs - Overall\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\tx6990\tx8070\
tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf55\f56\fs
18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f55\fs16 2007\ta
b \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscalex100 2009\tab
\up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex100 2011\par\pa
rd\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity (A1 to A3)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34,570,070\tab \up0
\expndtw-1\charscalex100 46,902,253\tab \up0 \expndtw-1\charscalex100 48,920,410
\tab \up0 \expndtw-1\charscalex100 55,379,067\tab \up0 \expndtw-1\charscalex100
58,948,556\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\t
x11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Share capit
al\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,991,780\ta
b \up0 \expndtw-1\charscalex100 39,748,980\tab \up0 \expndtw-1\charscalex100 40,
748,980\tab \up0 \expndtw-1\charscalex100 42,748,980\tab \up0 \expndtw-1\charsca

lex100 45,408,180\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8973\
tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Re
serves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,619,57
9\tab \up0 \expndtw-1\charscalex100 11,124,218\tab \up0 \expndtw-1\charscalex100
6,764,011\tab \up0 \expndtw-1\charscalex100 6,764,483\tab \up0 \expndtw-1\chars
calex100 6,703,489\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7844\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.U
n appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1,958,711\tab \up0 \expndtw-1\charscalex100 (3,970,945)\tab \up0 \expndtw1\charscalex100 1,407,419\tab \up0 \expndtw-1\charscalex100 5,865,604\tab \up0 \
expndtw-1\charscalex100 6,836,887\par\pard\li900\sb19\sl-161\slmult0\fi194\tx681
3\tx7950\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 2,948,916\tab \up0 \expndtw-1\charscalex100 (656,553)\tab \up0 \expndtw-1\c
harscalex100 5,409,974\tab \up0 \expndtw-1\charscalex100 3,644,111\tab \up0 \exp
ndtw-1\charscalex100 652,903\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx78
33\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 53,379,971\tab \up0 \expndtw-1\charscalex100 38,833,942\tab
\up0 \expndtw-1\charscalex100 59,424,672\tab \up0 \expndtw-1\charscalex100 60,02
4,391\tab \up0 \expndtw-1\charscalex100 70,945,188\par\pard\li900\sb6\sl-161\slm
ult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx99
93\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowi
ngs from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 39,113,088\tab \up0 \expndtw-1\charscalex100 30,937,172\tab \up0
\expndtw-1\charscalex100 38,774,252\tab \up0 \expndtw-1\charscalex100 39,953,64
5\tab \up0 \expndtw-1\charscalex100 54,574,307\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6753\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 11,867,394\tab \up0 \expndtw-1\charscalex1
00 5,880,621\tab \up0 \expndtw-1\charscalex100 18,073,599\tab \up0 \expndtw-1\ch
arscalex100 17,059,825\tab \up0 \expndtw-1\charscalex100 12,932,378\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,399,489\tab \up0 \expn
dtw-1\charscalex100 2,016,149\tab \up0 \expndtw-1\charscalex100 2,576,821\tab \u
p0 \expndtw-1\charscalex100 3,010,921\tab \up0 \expndtw-1\charscalex100 3,438,50
3\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8838\tx9918\tx10998 \d
n3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to
C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
90,898,957\tab \up0 \expndtw-1\charscalex100 85,079,642\tab \up0 \expndtw-1\char
scalex100 113,755,056\tab \up0 \expndtw-1\charscalex100 119,047,569\tab \up0 \ex
pndtw-1\charscalex100 130,546,647\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918
\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 582,562\tab \up0 \expndtw-1\charscalex100 650
,959\tab \up0 \expndtw-1\charscalex100 1,665,533\tab \up0 \expndtw-1\charscalex1
00 1,680,678\tab \up0 \expndtw-1\charscalex100 2,283,859\par\pard\li900\sb19\sl161\slmult0\fi194\tx6813\tx7833\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,187,229\tab \up0 \expndtw-1\cha
rscalex100 10,252,671\tab \up0 \expndtw-1\charscalex100 6,545,275\tab \up0 \expn
dtw-1\charscalex100 2,888,128\tab \up0 \expndtw-1\charscalex100 1,075,003\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8913\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial insti
tutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,648,1

89\tab \up0 \expndtw-1\charscalex100 8,056,730\tab \up0 \expndtw-1\charscalex100

10,576,282\tab \up0 \expndtw-1\charscalex100 7,718,006\tab \up0 \expndtw-1\char
scalex100 2,904,651\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx891
3\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.I
nvestments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35,48
5,410\tab \up0 \expndtw-1\charscalex100 36,071,855\tab \up0 \expndtw-1\charscale
x100 58,551,142\tab \up0 \expndtw-1\charscalex100 60,243,944\tab \up0 \expndtw-1
\charscalex100 76,683,192\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833
\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 24,631,058\tab \up0 \expndtw-1\charscalex100 27,407,033\tab \up0 \expndtw-1\
charscalex100 35,183,101\tab \up0 \expndtw-1\charscalex100 44,215,053\tab \up0 \
expndtw-1\charscalex100 45,907,661\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 2,149,654\tab \up0 \expndtw-1\charscalex100 4,
816,698\tab \up0 \expndtw-1\charscalex100 6,695,174\tab \up0 \expndtw-1\charscal
ex100 6,903,217\tab \up0 \expndtw-1\charscalex100 8,269,274\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisions against advances\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,885,835\tab \up0 \expndtw1\charscalex100 3,698,407\tab \up0 \expndtw-1\charscalex100 5,753,542\tab \up0 \
expndtw-1\charscalex100 6,653,026\tab \up0 \expndtw-1\charscalex100 7,596,199\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisi
ons (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,7
45,223\tab \up0 \expndtw-1\charscalex100 23,708,626\tab \up0 \expndtw-1\charscal
ex100 29,429,559\tab \up0 \expndtw-1\charscalex100 37,562,027\tab \up0 \expndtw1\charscalex100 38,311,462\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx789
3\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 2,692,031\tab \up0 \expndtw-1\charscalex100 2,690,082\tab \up0 \expndtw-1\ch
arscalex100 2,790,590\tab \up0 \expndtw-1\charscalex100 3,126,353\tab \up0 \expn
dtw-1\charscalex100 2,999,119\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx
7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 2,558,313\tab \up0 \expndtw-1\charscalex100 3,648,719\tab \up0 \ex
pndtw-1\charscalex100 4,196,675\tab \up0 \expndtw-1\charscalex100 5,828,433\tab
\up0 \expndtw-1\charscalex100 6,289,361\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss acco
unt\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx9993\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest
earned\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,683,688
\tab \up0 \expndtw-1\charscalex100 8,483,284\tab \up0 \expndtw-1\charscalex100 1
0,429,986\tab \up0 \expndtw-1\charscalex100 11,726,433\tab \up0 \expndtw-1\chars
calex100 12,716,418\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
markup/interest expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 4,224,696\tab \up0 \expndtw-1\charscalex100 4,855,654\tab \up0 \expnd
tw-1\charscalex100 5,768,136\tab \up0 \expndtw-1\charscalex100 6,694,582\tab \up
0 \expndtw-1\charscalex100 7,152,710\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Net markup/interest income\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1,458,993\tab \up0 \expndtw-1\charscalex100 3,627,
630\tab \up0 \expndtw-1\charscalex100 4,661,850\tab \up0 \expndtw-1\charscalex10
0 5,031,851\tab \up0 \expndtw-1\charscalex100 5,563,708\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6918\tx7893\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 648,463\tab \up0 \expndtw-1\charsc
alex100 6,171,391\tab \up0 \expndtw-1\charscalex100 2,660,700\tab \up0 \expndtw-

1\charscalex100 987,572\tab \up0 \expndtw-1\charscalex100 977,362\par\pard\li900

\sb19\sl-161\slmult0\fi194\tx6918\tx7844\tx8973\tx10053\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after
provisions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 810,
529\tab \up0 \expndtw-1\charscalex100 (1,804,158)\tab \up0 \expndtw-1\charscalex
100 1,489,660\tab \up0 \expndtw-1\charscalex100 4,143,390\tab \up0 \expndtw-1\ch
arscalex100 3,791,544\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Non-markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 3,666,464\tab \up0 \expndtw-1\charscalex100 7,621,120\tab \up0 \e
xpndtw-1\charscalex100 1,458,885\tab \up0 \expndtw-1\charscalex100 2,086,005\tab
\up0 \expndtw-1\charscalex100 2,450,918\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 1,030,265\tab \up0 \expndtw-1\charscalex100
3,308,278\tab \up0 \expndtw-1\charscalex100 1,417,421\tab \up0 \expndtw-1\charsc
alex100 1,976,521\tab \up0 \expndtw-1\charscalex100 3,250,598\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 934,573\tab \up0 \expndtw-1\ch
arscalex100 1,196,516\tab \up0 \expndtw-1\charscalex100 1,363,810\tab \up0 \expn
dtw-1\charscalex100 1,916,080\tab \up0 \expndtw-1\charscalex100 2,039,623\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxat
ion\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,981,056\ta
b \up0 \expndtw-1\charscalex100 1,694,081\tab \up0 \expndtw-1\charscalex100 1,53
1,026\tab \up0 \expndtw-1\charscalex100 4,230,979\tab \up0 \expndtw-1\charscalex
100 2,991,863\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10
053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profi
t/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 2,525,835\tab \up0 \expndtw-1\charscalex100 1,195,447\tab \up0 \expndtw1\charscalex100 2,147,069\tab \up0 \expndtw-1\charscalex100 2,718,940\tab \up0 \
expndtw-1\charscalex100 972,305\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900
\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,015,824\tab \up0 \expndtw1\charscalex100 3,375,138\tab \up0 \expndtw-1\charscalex100 3,475,138\tab \up0 \
expndtw-1\charscalex100 3,675,138\tab \up0 \expndtw-1\charscalex100 3,941,058\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\
charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\char
scalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex10
0 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/
A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10004\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,191,623\tab \up0 \expndtw-1\chars
calex100 5,682,965\tab \up0 \expndtw-1\charscalex100 9,897,449\tab \up0 \expndtw
-1\charscalex100 (1,328,783)\tab \up0 \expndtw-1\charscalex100 4,887,501\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,487,600\tab
\up0 \expndtw-1\charscalex100 13,761,913\tab \up0 \expndtw-1\charscalex100 15,38
6,918\tab \up0 \expndtw-1\charscalex100 18,321,532\tab \up0 \expndtw-1\charscale
x100 34,232,419\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscal

ex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par

\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.67%\tab \up0 \ex
pndtw-1\charscalex100 42.76%\tab \up0 \expndtw-1\charscalex100 44.70%\tab \up0 \
expndtw-1\charscalex100 42.91%\tab \up0 \expndtw-1\charscalex100 43.75%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin
(D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.61%
\tab \up0 \expndtw-1\charscalex100 4.26%\tab \up0 \expndtw-1\charscalex100 4.10%
\tab \up0 \expndtw-1\charscalex100 4.23%\tab \up0 \expndtw-1\charscalex100 4.26%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (R
OE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.31
%\tab \up0 \expndtw-1\charscalex100 2.55%\tab \up0 \expndtw-1\charscalex100 4.39
%\tab \up0 \expndtw-1\charscalex100 4.91%\tab \up0 \expndtw-1\charscalex100 1.65
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (
ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.7
8%\tab \up0 \expndtw-1\charscalex100 1.41%\tab \up0 \expndtw-1\charscalex100 1.8
9%\tab \up0 \expndtw-1\charscalex100 2.28%\tab \up0 \expndtw-1\charscalex100 0.7
4%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/intere
st income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 4.03%\tab \up0 \expndtw-1\charscalex100 8.96%\tab \up0 \expnd
tw-1\charscalex100 1.28%\tab \up0 \expndtw-1\charscalex100 1.75%\tab \up0 \expnd
tw-1\charscalex100 1.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8055\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 6.Net markup/interest income(after provisions) to total assets(D5/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.89%\tab \up0 \expndt
w-1\charscalex100 -2.12%\tab \up0 \expndtw-1\charscalex100 1.31%\tab \up0 \expnd
tw-1\charscalex100 3.48%\tab \up0 \expndtw-1\charscalex100 2.90%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expenses to marku
p/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 74.33%\tab \up0 \expndtw-1\charscalex100 57.24%\tab \up0 \expndtw-1\
charscalex100 55.30%\tab \up0 \expndtw-1\charscalex100 57.09%\tab \up0 \expndtw1\charscalex100 56.25%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx
9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
8.Admin. expenses to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.31\tab \up0 \expndtw-1\charscalex100
0.71\tab \up0 \expndtw-1\charscalex100 0.89\tab \up0 \expndtw-1\charscalex100 0.
45\tab \up0 \expndtw-1\charscalex100 0.68\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 9.Non-markup/interest expenses to total income D7/(D1+D6)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.11\tab \up0 \e
xpndtw-1\charscalex100 0.21\tab \up0 \expndtw-1\charscalex100 0.12\tab \up0 \exp
ndtw-1\charscalex100 0.14\tab \up0 \expndtw-1\charscalex100 0.21\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expenses to non-markup/inte
rest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.25\tab \up0 \expndtw-1\charscalex100 0.16\tab \up0 \expndtw-1\ch
arscalex100 0.93\tab \up0 \expndtw-1\charscalex100 0.92\tab \up0 \expndtw-1\char
scalex100 0.83\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1
0383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earn
ing per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 2.49\tab \up0 \expndtw-1\charscalex100 0.35\tab \up0 \expndtw-1\charscale
x100 0.62\tab \up0 \expndtw-1\charscalex100 0.74\tab \up0 \expndtw-1\charscalex1
00 0.25\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0

\fi194\tx6978\tx8058\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\n

osupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.75%\tab \up0 \expn
dtw-1\charscalex100 12.82%\tab \up0 \expndtw-1\charscalex100 7.22%\tab \up0 \exp
ndtw-1\charscalex100 3.84%\tab \up0 \expndtw-1\charscalex100 2.57%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39.04%\tab \up0
\expndtw-1\charscalex100 42.40%\tab \up0 \expndtw-1\charscalex100 51.47%\tab \u
p0 \expndtw-1\charscalex100 50.60%\tab \up0 \expndtw-1\charscalex100 58.74%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisio
ns to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 25.02%\tab \up0 \expndtw-1\charscalex100 27.87%\tab \up0 \expndtw-1\ch
arscalex100 25.87%\tab \up0 \expndtw-1\charscalex100 31.55%\tab \up0 \expndtw-1\
charscalex100 29.35%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx91
38\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 13.06%\tab \up0 \expndtw-1\charscalex100 6.91%\tab \up0 \expndt
w-1\charscalex100 15.89%\tab \up0 \expndtw-1\charscalex100 14.33%\tab \up0 \expn
dtw-1\charscalex100 9.91%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058
\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 58.72%\tab \up0 \expndtw-1\charscalex100 45.64%\ta
b \up0 \expndtw-1\charscalex100 52.24%\tab \up0 \expndtw-1\charscalex100 50.42%\
tab \up0 \expndtw-1\charscalex100 54.34%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 207.55%\tab \up0 \expndtw-1\charscalex10
0 466.06%\tab \up0 \expndtw-1\charscalex100 194.67%\tab \up0 \expndtw-1\charscal
ex100 259.18%\tab \up0 \expndtw-1\charscalex100 354.98%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposits C5/(B
2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48.31%\tab
\up0 \expndtw-1\charscalex100 74.44%\tab \up0 \expndtw-1\charscalex100 61.89%\t
ab \up0 \expndtw-1\charscalex100 77.55%\tab \up0 \expndtw-1\charscalex100 68.00%
\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\f
i194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.73%\tab \up0 \expndtw-1\
charscalex100 17.57%\tab \up0 \expndtw-1\charscalex100 19.03%\tab \up0 \expndtw1\charscalex100 15.61%\tab \up0 \expndtw-1\charscalex100 18.01%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs to gross adva
nces (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.6
6%\tab \up0 \expndtw-1\charscalex100 13.49%\tab \up0 \expndtw-1\charscalex100 16
.35%\tab \up0 \expndtw-1\charscalex100 15.05%\tab \up0 \expndtw-1\charscalex100
16.55%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to total
equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6
.22%\tab \up0 \expndtw-1\charscalex100 10.27%\tab \up0 \expndtw-1\charscalex100
13.69%\tab \up0 \expndtw-1\charscalex100 12.47%\tab \up0 \expndtw-1\charscalex10
0 14.03%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7983\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write
off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 34.39%\tab \up0 \expndtw-1\charscalex100 166.87%\tab \up0 \expndt
w-1\charscalex100 46.24%\tab \up0 \expndtw-1\charscalex100 14.84%\tab \up0 \expn
dtw-1\charscalex100 12.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\

fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100

\ul0\nosupersub\cf56\f57\fs12 87.73%\tab \up0 \expndtw-1\charscalex100 76.78%\t
ab \up0 \expndtw-1\charscalex100 85.94%\tab \up0 \expndtw-1\charscalex100 96.38%
\tab \up0 \expndtw-1\charscalex100 91.86%\par\pard\li900\sb15\sl-184\slmult0\fi4
4 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverag
e ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital rati
o (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38.03%\t
ab \up0 \expndtw-1\charscalex100 55.13%\tab \up0 \expndtw-1\charscalex100 43.01%
\tab \up0 \expndtw-1\charscalex100 46.52%\tab \up0 \expndtw-1\charscalex100 45.1
6%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & con
tingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.36\tab \up0 \expndtw-1\charscalex100 0.29\tab \up0 \
expndtw-1\charscalex100 0.31\tab \up0 \expndtw-1\charscalex100 0.33\tab \up0 \ex
pndtw-1\charscalex100 0.58\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx816
3\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 34.03\tab \up0 \expndtw-1\charscalex100 13.90\tab \up0 \e
xpndtw-1\charscalex100 14.08\tab \up0 \expndtw-1\charscalex100 15.07\tab \up0 \e
xpndtw-1\charscalex100 14.96\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8
223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Total deposits to total equity (B3/A) (times)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 0.34\tab \up0 \expndtw-1\charscalex100 0.
13\tab \up0 \expndtw-1\charscalex100 0.37\tab \up0 \expndtw-1\charscalex100 0.31
\tab \up0 \expndtw-1\charscalex100 0.22\par\pard\ql \li944\sb7\sl-184\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par
\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8223\tx9303\tx10320\tx11463 \dn2 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from opera
ting activities to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 2.45\tab \up0 \expndtw-1\charscalex100 4.75
\tab \up0 \expndtw-1\charscalex100 4.61\tab \up0 \expndtw-1\charscalex100 -0.49\
tab \up0 \expndtw-1\charscalex100 5.03\par\pard\ql \li6127\sb0\sl-161\slmult0 \p
ar\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par
\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 74
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g83}{\bkmkend Pg83}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 PAIR INVESTMENT COMPANY\tab \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmul
t0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\
nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\c
harscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\cha
rscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx7305\tx7893\tx8973\tx1
0053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total
equity (A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,446,253\t
ab \up0 \expndtw-1\charscalex100 5,817,670\tab \up0 \expndtw-1\charscalex100 7,3
96,027\tab \up0 \expndtw-1\charscalex100 7,638,576\par\pard\li900\sb0\sl-161\slm
ult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Share capital\tab \dn2 \expndtw-2\charscalex100 -\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,000,000\tab \u
p0 \expndtw-1\charscalex100 5,000,000\tab \up0 \expndtw-1\charscalex100 6,000,00
0\tab \up0 \expndtw-1\charscalex100 6,000,000\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Reserves\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89,250\tab \up0 \expndtw1\charscalex100 163,533\tab \up0 \expndtw-1\charscalex100 279,204\tab \up0 \expn
dtw-1\charscalex100 327,714\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx79
98\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.Un appropriated profit\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 357,003\tab \up0 \expndtw-1\c
harscalex100 654,137\tab \up0 \expndtw-1\charscalex100 1,116,823\tab \up0 \expnd
tw-1\charscalex100 1,310,862\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7
950\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Others\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 (123,267)\tab \up0 \expndtw-1\charscalex100
475,848\tab \up0 \expndtw-1\charscalex100 38,418\tab \up0 \expndtw-1\charscalex1
00 92,121\par\pard\li900\sb39\sl-155\slmult0\fi44\tx7305\tx7998\tx8973\tx10053\t
x11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabi
lities (B1 to B4)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 492,480\tab
\up0 \expndtw-1\charscalex100 1,991,936\tab \up0 \expndtw-1\charscalex100 3,036,
164\tab \up0 \expndtw-1\charscalex100 4,114,422\par\pard\li900\sb6\sl-161\slmult
0\fi194\tx7305\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Bills payable\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10053
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowing

s from financial institutions\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn

dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 459,657\tab \up0 \expndtw-1\ch
arscalex100 1,857,327\tab \up0 \expndtw-1\charscalex100 2,863,481\tab \up0 \expn
dtw-1\charscalex100 3,695,484\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx
8358\tx9438\tx10518\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Deposits and other accounts\tab \dn2 \expndtw-2\charscalex100 -\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 260,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/
misc. liabilities\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 32,823\tab \up0 \expndtw-1\charscalex100 1
34,609\tab \up0 \expndtw-1\charscalex100 172,683\tab \up0 \expndtw-1\charscalex1
00 158,938\par\pard\li900\sb39\sl-155\slmult0\fi44\tx7305\tx7893\tx8973\tx9993\t
x11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total asset
s (C1 to C4 + C8 to C10)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,815
,466\tab \up0 \expndtw-1\charscalex100 8,285,454\tab \up0 \expndtw-1\charscalex1
00 10,470,609\tab \up0 \expndtw-1\charscalex100 11,845,119\par\pard\li900\sb6\sl
-161\slmult0\fi194\tx7305\tx7998\tx9213\tx10218\tx11373 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab
\dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 506,887\tab \up0 \expndtw-1\charscalex100 2,633\tab \up0 \expndt
w-1\charscalex100 10,552\tab \up0 \expndtw-1\charscalex100 9,143\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10158\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1,816,376\tab \up0 \expndtw-1\charscalex100 1,309,451\tab \up0 \expnd
tw-1\charscalex100 352,808\tab \up0 \expndtw-1\charscalex100 20,675\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11598 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institution
s\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 611,000\tab \up0 \expndtw-1\charscalex100 446,250\tab \up0
\expndtw-1\charscalex100 600,000\tab \up0 \expndtw-1\charscalex100 0\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 2,440,498\tab \up0 \expndtw-1\charscalex100 5,326,675\tab \up0 \expndtw-1\char
scalex100 7,160,982\tab \up0 \expndtw-1\charscalex100 8,974,337\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
02,318\tab \up0 \expndtw-1\charscalex100 1,174,878\tab \up0 \expndtw-1\charscale
x100 2,178,571\tab \up0 \expndtw-1\charscalex100 2,592,810\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 75,000\tab \up0 \expndtw-1\charscalex100 443,011\tab \up0 \expndtw
-1\charscalex100 75,141\tab \up0 \expndtw-1\charscalex100 393,141\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10218\tx11238 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisions against advances\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 37,500\tab \up0 \expndtw-1\charscalex100 229,491\tab \up0 \expndtw
-1\charscalex100 75,141\tab \up0 \expndtw-1\charscalex100 117,654\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisions (C5-C7)
\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 364,818\tab \up0 \expndtw-1\charscalex100 945,387\tab \up0
\expndtw-1\charscalex100 2,103,430\tab \up0 \expndtw-1\charscalex100 2,475,156\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn

2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \dn2

\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 21,478\tab \up0 \expndtw-1\charscalex100 26,071\tab \up0 \expndtw-1\
charscalex100 44,762\tab \up0 \expndtw-1\charscalex100 48,060\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 54,409\tab \up0 \expndtw-1\charscalex100 228,987\tab \up0 \expndtw-1\charscale
x100 198,075\tab \up0 \expndtw-1\charscalex100 317,748\par\pard\li900\sb14\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Pro
fit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\
tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Ma
rkup/interest earned\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 527,054\tab \up0 \expndtw-1\charscale
x100 809,863\tab \up0 \expndtw-1\charscalex100 1,030,191\tab \up0 \expndtw-1\cha
rscalex100 1,323,067\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx90
78\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.markup/interest expensed\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31,898\tab \up0 \expndtw-1\chars
calex100 124,744\tab \up0 \expndtw-1\charscalex100 193,494\tab \up0 \expndtw-1\c
harscalex100 402,712\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx90
78\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Net markup/interest income\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 495,156\tab \up0 \expndtw-1\ch
arscalex100 685,119\tab \up0 \expndtw-1\charscalex100 836,697\tab \up0 \expndtw1\charscalex100 920,355\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8010\t
x9030\tx10218\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Provisions and write-offs\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (37,500)\tab \up0 \expndtw-1\c
harscalex100 (255,745)\tab \up0 \expndtw-1\charscalex100 79,955\tab \up0 \expndt
w-1\charscalex100 (324,136)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx79
98\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 5.Net markup/interest income after provisions\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 457,65
6\tab \up0 \expndtw-1\charscalex100 429,374\tab \up0 \expndtw-1\charscalex100 91
6,652\tab \up0 \expndtw-1\charscalex100 596,219\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx8058\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 94,
762\tab \up0 \expndtw-1\charscalex100 163,699\tab \up0 \expndtw-1\charscalex100
171,171\tab \up0 \expndtw-1\charscalex100 58,340\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
82,513\tab \up0 \expndtw-1\charscalex100 110,083\tab \up0 \expndtw-1\charscalex1
00 209,239\tab \up0 \expndtw-1\charscalex100 167,757\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7305\tx8058\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 73,
115\tab \up0 \expndtw-1\charscalex100 97,529\tab \up0 \expndtw-1\charscalex100 1
91,647\tab \up0 \expndtw-1\charscalex100 150,135\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
69,905\tab \up0 \expndtw-1\charscalex100 482,990\tab \up0 \expndtw-1\charscalex1
00 878,584\tab \up0 \expndtw-1\charscalex100 486,802\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \dn2 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 318,146\tab \up0 \expndtw-1\charscalex100 371,417\tab \up0 \expndtw-1\charsca

lex100 578,357\tab \up0 \expndtw-1\charscalex100 242,549\par\pard\li900\sb14\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.O

ther items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ord
inary shares\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 500,000\tab \up0 \expndtw-1\charscalex100 500,0
00\tab \up0 \expndtw-1\charscalex100 600,000\tab \up0 \expndtw-1\charscalex100 6
00,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8088\tx9168\tx10248\tx1
1328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend
\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7305\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \
dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1
\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10158\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activitie
s\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 378,383\tab \up0 \expndtw-1\charscalex100 1,287,294\tab \u
p0 \expndtw-1\charscalex100 448,811\tab \up0 \expndtw-1\charscalex100 1,708,563\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and cont
igencies\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 486,955\tab \up0 \expndtw-1\charscalex100 2,284,428
\tab \up0 \expndtw-1\charscalex100 3,095,251\tab \up0 \expndtw-1\charscalex100 3
,679,976\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\l
i900\sb1\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \dn2 \
expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 93.95%\tab \up0 \expndtw-1\charscalex100 84.60%\tab \up0 \expndtw-1\ch
arscalex100 81.22%\tab \up0 \expndtw-1\charscalex100 69.56%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/C\t
ab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 8.51%\tab \up0 \expndtw-1\charscalex100 8.27%\tab \up0 \expnd
tw-1\charscalex100 7.99%\tab \up0 \expndtw-1\charscalex100 7.77%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\tab
\dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 5.84%\tab \up0 \expndtw-1\charscalex100 6.38%\tab \up0 \expndtw1\charscalex100 7.82%\tab \up0 \expndtw-1\charscalex100 3.18%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab \dn
2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 5.47%\tab \up0 \expndtw-1\charscalex100 4.48%\tab \up0 \expndtw-1\c
harscalex100 5.52%\tab \up0 \expndtw-1\charscalex100 2.05%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total ass
ets (D6/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1.63%\tab \up0 \expndtw-1\charscalex100 1.98%\tab
\up0 \expndtw-1\charscalex100 1.63%\tab \up0 \expndtw-1\charscalex100 0.49%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest i
ncome(after provisions) to total assets(D5/C)\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.87%\tab \up0
\expndtw-1\charscalex100 5.18%\tab \up0 \expndtw-1\charscalex100 8.75%\tab \up0
\expndtw-1\charscalex100 5.03%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\

tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 7.Markup/interest expenses to markup/interest income (D2/D1)\tab \
dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 6.05%\tab \up0 \expndtw-1\charscalex100 15.40%\tab \up0 \expndtw1\charscalex100 18.78%\tab \up0 \expndtw-1\charscalex100 30.44%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expenses to profit before tax
. (D8/D9) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 0.16\tab \up0 \expndtw-1\charscalex100 0.2
0\tab \up0 \expndtw-1\charscalex100 0.22\tab \up0 \expndtw-1\charscalex100 0.31\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest
expenses to total income D7/(D1+D6)\tab \dn2 \expndtw-2\charscalex100 -\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.13\tab \up0 \expndtw
-1\charscalex100 0.11\tab \up0 \expndtw-1\charscalex100 0.17\tab \up0 \expndtw-1
\charscalex100 0.12\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8224\tx930
4\tx10384\tx11464 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10
.Admin. expenses to non-markup/interest income (D8/D6) (times)\tab \dn2 \expnd
tw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.77\tab \up0 \expndtw-1\charscalex100 0.60\tab \up0 \expndtw-1\charscalex1
00 1.12\tab \up0 \expndtw-1\charscalex100 2.57\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \dn2 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.64\
tab \up0 \expndtw-1\charscalex100 0.74\tab \up0 \expndtw-1\charscalex100 0.96\ta
b \up0 \expndtw-1\charscalex100 0.40\par\pard\li900\sb14\sl-184\slmult0\fi44 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\
pard\li900\sb0\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10278\tx11358 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to
total assets (C1+C2)/C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 39.95%\tab \up0 \expndtw-1\charscale
x100 15.84%\tab \up0 \expndtw-1\charscalex100 3.47%\tab \up0 \expndtw-1\charscal
ex100 0.25%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investme
nt to total assets (C4/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41.97%\tab \up0 \expndtw-1\charsca
lex100 64.29%\tab \up0 \expndtw-1\charscalex100 68.39%\tab \up0 \expndtw-1\chars
calex100 75.76%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Adva
nces net of provisions to total assets (C8/C)\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.27%\tab \up0
\expndtw-1\charscalex100 11.41%\tab \up0 \expndtw-1\charscalex100 20.09%\tab \u
p0 \expndtw-1\charscalex100 20.90%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx73
05\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Deposits to total assets (B3/C)\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up
0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up
0 \expndtw-1\charscalex100 2.19%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305
\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 5.Total liabilities to total assets (B/C)\tab \dn2 \expndtw-2\charsca
lex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.47%\t
ab \up0 \expndtw-1\charscalex100 24.04%\tab \up0 \expndtw-1\charscalex100 29.00%
\tab \up0 \expndtw-1\charscalex100 34.74%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7305\tx8385\tx9465\tx10545\tx11224 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex1
00 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 997.23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305
\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 7.Gross advances to borrowing & deposits C5/(B2+B3)\tab \dn2 \expndtw

-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs

12 87.53%\tab \up0 \expndtw-1\charscalex100 63.26%\tab \up0 \expndtw-1\charscale
x100 76.08%\tab \up0 \expndtw-1\charscalex100 65.55%\par\pard\li900\sb15\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Asset
s quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx
10278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Nonperforming loan to gross advances (C6/C5)\tab \dn2 \expndtw-2\charscalex100 -\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.64%\tab \up0 \e
xpndtw-1\charscalex100 37.71%\tab \up0 \expndtw-1\charscalex100 3.45%\tab \up0 \
expndtw-1\charscalex100 15.16%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\t
x8118\tx9138\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Provision against NPLs to gross advances (C7/C5)\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
9.32%\tab \up0 \expndtw-1\charscalex100 19.53%\tab \up0 \expndtw-1\charscalex100
3.45%\tab \up0 \expndtw-1\charscalex100 4.54%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.NPLs to total equity (C6/A)\tab \dn2 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.38%
\tab \up0 \expndtw-1\charscalex100 7.61%\tab \up0 \expndtw-1\charscalex100 1.02%
\tab \up0 \expndtw-1\charscalex100 5.15%\par\pard\li900\sb19\sl-161\slmult0\fi19
4\tx7305\tx7920\tx9000\tx10144\tx11160 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab \dn2 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 -100.00%\tab \up0 \expndtw-1\charscalex100 -111.44%\tab \up0 \expndtw-1\chars
calex100 106.41%\tab \up0 \expndtw-1\charscalex100 -275.50%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10144\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (C7/C6)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 50.00%\tab \up0 \expndtw-1\charscalex100 51.80%\tab \up0 \ex
pndtw-1\charscalex100 100.00%\tab \up0 \expndtw-1\charscalex100 29.93%\par\pard\
li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx
7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Capital ratio (A/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93.65%\tab \up0 \expndt
w-1\charscalex100 70.22%\tab \up0 \expndtw-1\charscalex100 70.64%\tab \up0 \expn
dtw-1\charscalex100 64.49%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx822
4\tx9304\tx10384\tx11464 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Commitments & contingencies to total equity (E5/A) (times)\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.09\tab \up0 \expndtw-1\charscalex100 0.39\tab \up0 \expndtw-1\charscalex
100 0.42\tab \up0 \expndtw-1\charscalex100 0.48\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx8164\tx9244\tx10324\tx11404 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
10.89\tab \up0 \expndtw-1\charscalex100 11.64\tab \up0 \expndtw-1\charscalex100
12.33\tab \up0 \expndtw-1\charscalex100 12.73\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 4.Total deposits to total equity (B3/A) (times)\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0.00\tab \up0 \expndtw-1\charscalex100 0.00\tab \up0 \expndtw-1\char
scalex100 0.00\tab \up0 \expndtw-1\charscalex100 0.03\par\pard\ql \li944\sb7\sl184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash f
low ratio \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7305\tx8224\tx9304\tx10384\t
x11464 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash genera
ted from operating activities to profit after tax (E4/D10) (times)\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1.19\tab \up0 \expndtw-1\charscalex100 3.47\tab \up0 \expndtw-1\charscale
x100 0.78\tab \up0 \expndtw-1\charscalex100 7.04\par\pard\ql \li6127\sb0\sl-161\
slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\sl

mult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0

\nosupersub\cf51\f52\fs14 75
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g84}{\bkmkend Pg84}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 PAK BRUNEI INVESTMENT COMPANY LIMITED\tab \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb
1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up
0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0
\expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx7305\tx7
893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 A.Total equity (A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 5,363,009\tab \up0 \expndtw-1\charscalex100 5,810,462\tab \up0 \expndtw-1\cha
rscalex100 7,391,552\tab \up0 \expndtw-1\charscalex100 7,996,016\par\pard\li900\
sb0\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Share capital\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,
000,000\tab \up0 \expndtw-1\charscalex100 5,000,000\tab \up0 \expndtw-1\charscal
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alex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \dn2 \expndtw-2\charscalex1
00 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 72,602\tab
\up0 \expndtw-1\charscalex100 162,093\tab \up0 \expndtw-1\charscalex100 278,311\
tab \up0 \expndtw-1\charscalex100 399,204\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7305\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Un appropriated profit\tab \dn2 \expndtw-2\charscalex100 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 290,407\tab \up
0 \expndtw-1\charscalex100 648,369\tab \up0 \expndtw-1\charscalex100 1,113,241\t
ab \up0 \expndtw-1\charscalex100 1,596,812\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7305\tx8010\tx9078\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Others\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (81,849)\tab \up0 \expndtw-1\c
harscalex100 495,517\tab \up0 \expndtw-1\charscalex100 (48,993)\tab \up0 \expndt
w-1\charscalex100 (68,113)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx7305\tx7998
\tx8973\tx10053\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 B.Total liabilities (B1 to B4)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 247,733\tab \up0 \expndtw-1\charscalex100 5,825,000\tab \up0 \expndtw-1\cha
rscalex100 7,026,052\tab \up0 \expndtw-1\charscalex100 24,617,113\par\pard\li900
\sb6\sl-161\slmult0\fi194\tx7305\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up
0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7
998\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Borrowings from financial institutions\tab \dn2 \expndtw-2\charscalex10
0 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 186,154\tab
\up0 \expndtw-1\charscalex100 5,296,808\tab \up0 \expndtw-1\charscalex100 5,943,
385\tab \up0 \expndtw-1\charscalex100 23,359,531\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7305\tx8358\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\t
ab \up0 \expndtw-1\charscalex100 395,000\tab \up0 \expndtw-1\charscalex100 844,0
00\tab \up0 \expndtw-1\charscalex100 979,018\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \dn2 \expndtw-2\charscalex1
00 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 61,579\tab
\up0 \expndtw-1\charscalex100 133,192\tab \up0 \expndtw-1\charscalex100 238,667\
tab \up0 \expndtw-1\charscalex100 278,564\par\pard\li900\sb39\sl-155\slmult0\fi4
4\tx7305\tx7893\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 5,528,893\tab \up0 \expndtw-1\charscalex100 12,130,979
\tab \up0 \expndtw-1\charscalex100 14,368,611\tab \up0 \expndtw-1\charscalex100
32,545,016\par\pard\li900\sb6\sl-161\slmult0\fi194\tx7305\tx8133\tx9138\tx10218\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and b
alances with treasury banks\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,267\tab \up0 \expndtw-1\charsc
alex100 23,869\tab \up0 \expndtw-1\charscalex100 30,803\tab \up0 \expndtw-1\char
scalex100 174,790\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Ba
lances with other banks\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,870\tab \up0 \expndtw-1\charscale
x100 191,915\tab \up0 \expndtw-1\charscalex100 129,969\tab \up0 \expndtw-1\chars
calex100 562,085\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\t
x10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Len
ding to financial institutions\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,519,299\tab \up0 \expndtw-1
\charscalex100 1,507,910\tab \up0 \expndtw-1\charscalex100 1,222,727\tab \up0 \e

xpndtw-1\charscalex100 627,841\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\t
x7893\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Investments\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 2,687,585\tab \up0 \expndtw-1\charsca
lex100 8,415,996\tab \up0 \expndtw-1\charscalex100 9,868,363\tab \up0 \expndtw-1
\charscalex100 25,742,364\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 5.Gross advances\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1,062,744\tab \up0 \expndtw-1\charscale
x100 1,757,624\tab \up0 \expndtw-1\charscalex100 2,475,172\tab \up0 \expndtw-1\c
harscalex100 4,667,373\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8358\tx
9438\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Advances-non-performing/classified\tab \dn2 \expndtw-2\charscalex100 -\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 6,736\tab \up0 \expndtw-1\char
scalex100 2,992\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8358\tx9138\tx
10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Prov
isions against advances\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100
25,131\tab \up0 \expndtw-1\charscalex100 7,529\tab \up0 \expndtw-1\charscalex100
20,712\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net
of provisions (C5-C7)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 1,062,744\tab \up0 \expndtw-1\charsca
lex100 1,732,493\tab \up0 \expndtw-1\charscalex100 2,467,643\tab \up0 \expndtw-1
\charscalex100 4,646,661\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 9.Fixed assets\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 44,334\tab \up0 \expndtw-1\charscalex100 3
7,614\tab \up0 \expndtw-1\charscalex100 21,013\tab \up0 \expndtw-1\charscalex100
34,067\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx
11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc.
assets\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 195,794\tab \up0 \expndtw-1\charscalex100 221,182\ta
b \up0 \expndtw-1\charscalex100 628,093\tab \up0 \expndtw-1\charscalex100 757,20
8\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\
fi194\tx7305\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Markup/interest earned\tab \dn2 \expndtw-2\charscalex
100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 672,254\ta
b \up0 \expndtw-1\charscalex100 971,221\tab \up0 \expndtw-1\charscalex100 1,698,
132\tab \up0 \expndtw-1\charscalex100 2,397,223\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx7998\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.markup/interest expensed\tab \dn2 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 131,8
01\tab \up0 \expndtw-1\charscalex100 207,450\tab \up0 \expndtw-1\charscalex100 7
77,987\tab \up0 \expndtw-1\charscalex100 1,469,277\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 3.Net markup/interest income\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
540,453\tab \up0 \expndtw-1\charscalex100 763,771\tab \up0 \expndtw-1\charscalex
100 920,145\tab \up0 \expndtw-1\charscalex100 927,946\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7305\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 4.Provisions and write-offs\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
108,921\tab \up0 \expndtw-1\charscalex100 192,918\tab \up0 \expndtw-1\charscalex
100 81,344\tab \up0 \expndtw-1\charscalex100 86,874\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Net markup/interest income after provisions\ta
b \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper

sub\cf56\f57\fs12 431,532\tab \up0 \expndtw-1\charscalex100 570,853\tab \up0 \ex

pndtw-1\charscalex100 838,801\tab \up0 \expndtw-1\charscalex100 841,072\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income
\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 85,608\tab \up0 \expndtw-1\charscalex100 254,064\tab \up0 \
expndtw-1\charscalex100 211,963\tab \up0 \expndtw-1\charscalex100 283,965\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expe
nses\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 143,675\tab \up0 \expndtw-1\charscalex100 157,743\tab \
up0 \expndtw-1\charscalex100 169,106\tab \up0 \expndtw-1\charscalex100 204,908\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expens
es\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 118,675\tab \up0 \expndtw-1\charscalex100 132,343\tab \up
0 \expndtw-1\charscalex100 165,145\tab \up0 \expndtw-1\charscalex100 204,669\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before ta
xation\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 373,465\tab \up0 \expndtw-1\charscalex100 667,174\tab
\up0 \expndtw-1\charscalex100 881,658\tab \up0 \expndtw-1\charscalex100 920,129
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) afte
r taxation\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 222,266\tab \up0 \expndtw-1\charscalex100 447,453
\tab \up0 \expndtw-1\charscalex100 581,090\tab \up0 \expndtw-1\charscalex100 604
,464\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\t
x7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.No. of ordinary shares\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 500,000\tab \up0 \e
xpndtw-1\charscalex100 500,000\tab \up0 \expndtw-1\charscalex100 600,000\tab \up
0 \expndtw-1\charscalex100 600,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx73
05\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Cash dividend\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8088\tx9168\tx1
0248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock
dividend/bonus shares\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex1
00 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex1
00 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7845\tx8973\tx10053\t
x11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash genera
ted from operating activities\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (1,218,859)\tab \up0 \expndtw1\charscalex100 5,487,232\tab \up0 \expndtw-1\charscalex100 1,076,382\tab \up0 \
expndtw-1\charscalex100 9,066,170\par\pard\li900\sb19\sl-161\slmult0\fi194\tx730
5\tx7998\tx8973\tx10053\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 5.Commitments and contigencies\tab \dn2 \expndtw-2\charscalex100 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 448,894\tab \up0
\expndtw-1\charscalex100 1,141,106\tab \up0 \expndtw-1\charscalex100 6,331,452\t
ab \up0 \expndtw-1\charscalex100 21,546,987\par\pard\li900\sb14\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency rat
ios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx8058\t
x9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Spread ratio (D3/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80.39%\tab \up0 \expndtw-1\charscal
ex100 78.64%\tab \up0 \expndtw-1\charscalex100 54.19%\tab \up0 \expndtw-1\charsc

alex100 38.71%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx1
0278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net m
arkup/interest margin (D1-D2)/C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.78%\tab \up0 \expndtw-1\
charscalex100 6.30%\tab \up0 \expndtw-1\charscalex100 6.40%\tab \up0 \expndtw-1\
charscalex100 2.85%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx919
8\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Return on equity (ROE) (D10/A)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.14%\tab \up0 \expndtw-1\cha
rscalex100 7.70%\tab \up0 \expndtw-1\charscalex100 7.86%\tab \up0 \expndtw-1\cha
rscalex100 7.56%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\t
x10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ret
urn on assets (ROA) (D10/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.02%\tab \up0 \expndtw-1\charsc
alex100 3.69%\tab \up0 \expndtw-1\charscalex100 4.04%\tab \up0 \expndtw-1\charsc
alex100 1.86%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10
278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-ma
rkup/interest income to total assets (D6/C)\tab \dn2 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.55%\tab \up0
\expndtw-1\charscalex100 2.09%\tab \up0 \expndtw-1\charscalex100 1.48%\tab \up0
\expndtw-1\charscalex100 0.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\
tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 6.Net markup/interest income(after provisions) to total assets(D5/C)
\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 7.81%\tab \up0 \expndtw-1\charscalex100 4.71%\tab \up0 \exp
ndtw-1\charscalex100 5.84%\tab \up0 \expndtw-1\charscalex100 2.58%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expenses to mar
kup/interest income (D2/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.61%\tab \up0 \expndtw-1\cha
rscalex100 21.36%\tab \up0 \expndtw-1\charscalex100 45.81%\tab \up0 \expndtw-1\c
harscalex100 61.29%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8224\tx930
4\tx10384\tx11464 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.
Admin. expenses to profit before tax. (D8/D9) (times)\tab \dn2 \expndtw-2\charsc
alex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.32\t
ab \up0 \expndtw-1\charscalex100 0.20\tab \up0 \expndtw-1\charscalex100 0.19\tab
\up0 \expndtw-1\charscalex100 0.22\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
305\tx8224\tx9304\tx10384\tx11464 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 9.Non-markup/interest expenses to total income D7/(D1+D6)\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.19\tab \up0 \expndtw-1\charscalex100 0.13\tab \up0 \expndtw-1\ch
arscalex100 0.09\tab \up0 \expndtw-1\charscalex100 0.08\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expenses to non-markup/interest in
come (D8/D6) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1.39\tab \up0 \expndtw-1\charscalex100
0.52\tab \up0 \expndtw-1\charscalex100 0.78\tab \up0 \expndtw-1\charscalex100 0.
72\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per shar
e (D10/E1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.44\tab \up0 \expndtw-1\charscalex100 0.89\tab \
up0 \expndtw-1\charscalex100 0.97\tab \up0 \expndtw-1\charscalex100 1.01\par\par
d\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\t
x8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.35%\tab \up0 \expndtw-1\charscalex100 1.78%\tab \up0 \expndtw-1\charscalex100
1.12%\tab \up0 \expndtw-1\charscalex100 2.26%\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n

osupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)\tab \dn2 \expndtw-2\

charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
48.61%\tab \up0 \expndtw-1\charscalex100 69.38%\tab \up0 \expndtw-1\charscalex10
0 68.68%\tab \up0 \expndtw-1\charscalex100 79.10%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 19.22%\tab \up0 \expndtw-1\charscalex100 14.28%\tab \up0 \ex
pndtw-1\charscalex100 17.17%\tab \up0 \expndtw-1\charscalex100 14.28%\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits to total assets (B3/C
)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 3.26%\tab \up0 \ex
pndtw-1\charscalex100 5.87%\tab \up0 \expndtw-1\charscalex100 3.01%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total asset
s (B/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 4.48%\tab \up0 \expndtw-1\charscalex100 48.02%\tab \
up0 \expndtw-1\charscalex100 48.90%\tab \up0 \expndtw-1\charscalex100 75.64%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8385\tx9064\tx10144\tx11224 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances to depos
its (C5/B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex10
0 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 444.97%\tab
\up0 \expndtw-1\charscalex100 293.27%\tab \up0 \expndtw-1\charscalex100 476.74%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7984\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to bo
rrowing & deposits C5/(B2+B3)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 570.90%\tab \up0 \expndtw-1\ch
arscalex100 30.88%\tab \up0 \expndtw-1\charscalex100 36.47%\tab \up0 \expndtw-1\
charscalex100 19.18%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\
sb0\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advance
s (C6/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.27%\tab \up0 \expndtw-1\charscalex100 0.06%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs t
o gross advances (C7/C5)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscale
x100 1.43%\tab \up0 \expndtw-1\charscalex100 0.30%\tab \up0 \expndtw-1\charscale
x100 0.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278
\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to t
otal equity (C6/A)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\tab \up0 \expndtw-1\charscalex100 0.09%\tab \up0 \expndtw-1\charscalex100 0
.04%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8385\tx9064\tx10053\tx112
24 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off
to NPLs provisions (D4/C7)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 767.65%\tab \up0 \expndtw-1\charscalex100 1,080.41%\tab \up0 \expndtw-1\chars
calex100 419.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8385\tx9465\t
x10144\tx11224 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Pro
vision against NPL to NPLs (C7/C6)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn
2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 111.77%\tab \up0 \expndtw-1\cha
rscalex100 692.25%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900
\sb0\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \dn2 \expnd

tw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\

fs12 97.00%\tab \up0 \expndtw-1\charscalex100 47.90%\tab \up0 \expndtw-1\charsca
lex100 51.44%\tab \up0 \expndtw-1\charscalex100 24.57%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (
E5/A) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.08\tab \up0 \expndtw-1\charscalex100 0.20\ta
b \up0 \expndtw-1\charscalex100 0.86\tab \up0 \expndtw-1\charscalex100 2.69\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8164\tx9244\tx10324\tx11404 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share
(A/E1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 10.73\tab \up0 \expndtw-1\charscalex100 11.62\tab \u
p0 \expndtw-1\charscalex100 12.32\tab \up0 \expndtw-1\charscalex100 13.33\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8224\tx9304\tx10384\tx11464 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposits to total eq
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4/D10) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 -5.48\tab \up0 \expndtw-1\charscalex100 12.26
\tab \up0 \expndtw-1\charscalex100 1.85\tab \up0 \expndtw-1\charscalex100 15.00\
par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \p
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\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \e
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\cf51\f52\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
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rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Share capital\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,4
57,200\tab \up0 \expndtw-1\charscalex100 6,457,200\tab \up0 \expndtw-1\charscale
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0 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 70,889\tab \
up0 \expndtw-1\charscalex100 173,598\tab \up0 \expndtw-1\charscalex100 285,671\t
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4\tx7305\tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
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tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 283,558\tab \up0
\expndtw-1\charscalex100 694,391\tab \up0 \expndtw-1\charscalex100 1,142,684\ta
b \up0 \expndtw-1\charscalex100 1,553,644\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7305\tx8175\tx8973\tx10053\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
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calex100 2,526,213\tab \up0 \expndtw-1\charscalex100 2,591,648\tab \up0 \expndtw
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3\tx10053\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.
Total liabilities (B1 to B4)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7
57,178\tab \up0 \expndtw-1\charscalex100 1,089,244\tab \up0 \expndtw-1\charscale
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61\slmult0\fi194\tx7305\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \dn2 \expndtw-2\charscalex
100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx907
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Borrowings from financial institutions\tab \dn2 \expndtw-2\charscalex100 -\tab \
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0 \expndtw-1\charscalex100 106,874\par\pard\li900\sb19\sl-161\slmult0\fi194\tx73
05\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
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isc. liabilities\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 30,424\tab \up0 \expndtw-1\charscalex100 11
3,559\tab \up0 \expndtw-1\charscalex100 24,498\tab \up0 \expndtw-1\charscalex100
12,220\par\pard\li900\sb39\sl-155\slmult0\fi44\tx7305\tx7893\tx8913\tx9993\tx11
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C1 to C4 + C8 to C10)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,568,20
0\tab \up0 \expndtw-1\charscalex100 10,940,646\tab \up0 \expndtw-1\charscalex100
11,633,960\tab \up0 \expndtw-1\charscalex100 11,178,315\par\pard\li900\sb6\sl-1
61\slmult0\fi194\tx7305\tx8133\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 6,670\tab \up0 \expndtw-1\charscalex100 1,363,660\tab \up0 \expndt
w-1\charscalex100 1,399,836\tab \up0 \expndtw-1\charscalex100 1,491,717\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx9213\tx10293\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\ta
b \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 3,772,069\tab \up0 \expndtw-1\charscalex100 9,148\tab \up0 \ex
pndtw-1\charscalex100 8,736\tab \up0 \expndtw-1\charscalex100 23,227\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx8973\tx10053\tx11238 \dn2 \expndtw
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ns\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
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up0 \expndtw-1\charscalex100 1,264,140\tab \up0 \expndtw-1\charscalex100 583,954
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \dn
2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1,430,241\tab \up0 \expndtw-1\charscalex100 3,158,326\tab \up0 \exp
ndtw-1\charscalex100 3,099,787\tab \up0 \expndtw-1\charscalex100 4,077,544\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \dn2 \
expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,938,595\tab \up0 \expndtw-1\charscalex100 4,927,264\tab \up0 \expndt
w-1\charscalex100 5,557,525\tab \up0 \expndtw-1\charscalex100 4,901,692\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8358\tx9438\tx10518\tx11238 \dn2 \expn
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sified\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expnd
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19\sl-161\slmult0\fi194\tx7305\tx8358\tx9078\tx10158\tx11238 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisions against advances\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 247,273\tab \up0 \expndtw-1\chars
calex100 248,632\tab \up0 \expndtw-1\charscalex100 464,032\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisions (C5-C7)\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 1,938,595\tab \up0 \expndtw-1\charscalex100 4,679,991\tab \up0 \ex
pndtw-1\charscalex100 5,308,893\tab \up0 \expndtw-1\charscalex100 4,437,660\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 28,115\tab \up0 \expndtw-1\charscalex100 187,828\tab \up0 \expndtw-1\ch
arscalex100 180,566\tab \up0 \expndtw-1\charscalex100 176,177\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/misc. assets\tab \dn2 \expndtw2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 137,028\tab \up0 \expndtw-1\charscalex100 296,664\tab \up0 \expndtw-1\charscal

ex100 372,002\tab \up0 \expndtw-1\charscalex100 388,036\par\pard\li900\sb14\sl-1

84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Pr
ofit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx7998\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.M
arkup/interest earned\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 530,032\tab \up0 \expndtw-1\charscal
ex100 1,050,697\tab \up0 \expndtw-1\charscalex100 1,252,143\tab \up0 \expndtw-1\
charscalex100 1,312,686\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8133\t
x9138\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.markup/interest expensed\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,215\tab \up0 \expndtw-1\cha
rscalex100 36,435\tab \up0 \expndtw-1\charscalex100 283,899\tab \up0 \expndtw-1\
charscalex100 47,666\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx89
73\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Net markup/interest income\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 523,817\tab \up0 \expndtw-1\ch
arscalex100 1,014,262\tab \up0 \expndtw-1\charscalex100 968,244\tab \up0 \expndt
w-1\charscalex100 1,265,020\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx80
58\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 4.Provisions and write-offs\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50,000\tab \up0 \expndtw-1
\charscalex100 197,273\tab \up0 \expndtw-1\charscalex100 41,361\tab \up0 \expndt
w-1\charscalex100 175,398\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
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ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 473,817\
tab \up0 \expndtw-1\charscalex100 816,989\tab \up0 \expndtw-1\charscalex100 866,
084\tab \up0 \expndtw-1\charscalex100 943,092\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \dn2 \expndtw-2\chars
calex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,39
5\tab \up0 \expndtw-1\charscalex100 138,830\tab \up0 \expndtw-1\charscalex100 17
6,223\tab \up0 \expndtw-1\charscalex100 133,437\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
65,585\tab \up0 \expndtw-1\charscalex100 165,756\tab \up0 \expndtw-1\charscalex1
00 180,206\tab \up0 \expndtw-1\charscalex100 208,924\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7305\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 8.Administrative expenses\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71,
067\tab \up0 \expndtw-1\charscalex100 165,706\tab \up0 \expndtw-1\charscalex100
180,205\tab \up0 \expndtw-1\charscalex100 208,403\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 9.Profit/(loss) before taxation\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
325,627\tab \up0 \expndtw-1\charscalex100 790,065\tab \up0 \expndtw-1\charscalex
100 862,102\tab \up0 \expndtw-1\charscalex100 867,605\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 211,658\tab \up0 \expndtw-1\charscalex100 513,542\tab \up0 \expndtw-1\charsc
alex100 560,366\tab \up0 \expndtw-1\charscalex100 513,700\par\pard\li900\sb14\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.
Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of or
dinary shares\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 645,720\tab \up0 \expndtw-1\charscalex100 645,
720\tab \up0 \expndtw-1\charscalex100 645,720\tab \up0 \expndtw-1\charscalex100
911,640\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8088\tx9168\tx10248\tx

11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividen

d\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7305\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab
\dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx7305\tx8010\tx8925\tx10170\tx11133 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activiti
es\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 (15,893)\tab \up0 \expndtw-1\charscalex100 (3,029,800)\ta
b \up0 \expndtw-1\charscalex100 (81,735)\tab \up0 \expndtw-1\charscalex100 1,169
,605\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7893\tx8973\tx10158\tx112
38 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and
contigencies\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1,078,614\tab \up0 \expndtw-1\charscalex100 1,
753,996\tab \up0 \expndtw-1\charscalex100 865,132\tab \up0 \expndtw-1\charscalex
100 231,127\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\par
d\li900\sb1\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \dn
2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 98.83%\tab \up0 \expndtw-1\charscalex100 96.53%\tab \up0 \expndtw-1
\charscalex100 77.33%\tab \up0 \expndtw-1\charscalex100 96.37%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2)/
C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 6.92%\tab \up0 \expndtw-1\charscalex100 9.27%\tab \up0 \ex
pndtw-1\charscalex100 8.32%\tab \up0 \expndtw-1\charscalex100 11.32%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D10/A)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 3.11%\tab \up0 \expndtw-1\charscalex100 7.01%\tab \up0 \expn
dtw-1\charscalex100 7.11%\tab \up0 \expndtw-1\charscalex100 4.65%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (D10/C)\tab
\dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 2.80%\tab \up0 \expndtw-1\charscalex100 4.69%\tab \up0 \expndtw
-1\charscalex100 4.82%\tab \up0 \expndtw-1\charscalex100 4.60%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest income to total
assets (D6/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 0.23%\tab \up0 \expndtw-1\charscalex100 1.27%
\tab \up0 \expndtw-1\charscalex100 1.51%\tab \up0 \expndtw-1\charscalex100 1.19%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest
income(after provisions) to total assets(D5/C)\tab \dn2 \expndtw-2\charscalex
100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.26%\tab
\up0 \expndtw-1\charscalex100 7.47%\tab \up0 \expndtw-1\charscalex100 7.44%\tab
\up0 \expndtw-1\charscalex100 8.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
305\tx8118\tx9198\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 7.Markup/interest expenses to markup/interest income (D2/D1)\t
ab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1.17%\tab \up0 \expndtw-1\charscalex100 3.47%\tab \up0 \expnd
tw-1\charscalex100 22.67%\tab \up0 \expndtw-1\charscalex100 3.63%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expenses to profit before t
ax. (D8/D9) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\char

scalex100 \ul0\nosupersub\cf56\f57\fs12 0.22\tab \up0 \expndtw-1\charscalex100 0

.21\tab \up0 \expndtw-1\charscalex100 0.21\tab \up0 \expndtw-1\charscalex100 0.2
4\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interes
t expenses to total income D7/(D1+D6)\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.30\tab \up0 \expnd
tw-1\charscalex100 0.14\tab \up0 \expndtw-1\charscalex100 0.13\tab \up0 \expndtw
-1\charscalex100 0.14\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9
303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
10.Admin. expenses to non-markup/interest income (D8/D6) (times)\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 4.09\tab \up0 \expndtw-1\charscalex100 1.19\tab \up0 \expndtw-1\charscale
x100 1.02\tab \up0 \expndtw-1\charscalex100 1.56\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7305\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.3
3\tab \up0 \expndtw-1\charscalex100 0.80\tab \up0 \expndtw-1\charscalex100 0.87\
tab \up0 \expndtw-1\charscalex100 0.56\par\pard\li900\sb14\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\pa
r\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent
to total assets (C1+C2)/C\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49.93%\tab \up0 \expndtw-1\charsca
lex100 12.55%\tab \up0 \expndtw-1\charscalex100 12.11%\tab \up0 \expndtw-1\chars
calex100 13.55%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Inve
stment to total assets (C4/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.90%\tab \up0 \expndtw-1\cha
rscalex100 28.87%\tab \up0 \expndtw-1\charscalex100 26.64%\tab \up0 \expndtw-1\c
harscalex100 36.48%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Advances net of provisions to total assets (C8/C)\tab \dn2 \expndtw-2\charscalex
100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.62%\tab
\up0 \expndtw-1\charscalex100 42.78%\tab \up0 \expndtw-1\charscalex100 45.63%\t
ab \up0 \expndtw-1\charscalex100 39.70%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Deposits to total assets (B3/C)\tab \dn2 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7305\tx8058\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 5.Total liabilities to total assets (B/C)\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10
.00%\tab \up0 \expndtw-1\charscalex100 9.96%\tab \up0 \expndtw-1\charscalex100 9
.94%\tab \up0 \expndtw-1\charscalex100 1.07%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx7305\tx8385\tx9465\tx10545\tx11625 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7983\tx9063\tx10143\tx11133 \d
n2 \expndtw-2\charscalex100 7.Gross advances to borrowing & deposits C5/(B2+B3)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 266.75%\tab \up0 \expndtw-1\charscalex100 505.01%\tab \up0 \
expndtw-1\charscalex100 490.84%\tab \up0 \expndtw-1\charscalex100 4,586.42%\par\
pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\
tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \dn2 \expnd
tw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale

x100 0.00%\tab \up0 \expndtw-1\charscalex100 7.71%\par\pard\li900\sb19\sl-161\sl

mult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs to gross advances (C7/C5)\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 5.02%\tab \up0 \expn
dtw-1\charscalex100 4.47%\tab \up0 \expndtw-1\charscalex100 9.47%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7305\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to total equity (C6/A)\tab \d
n2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 3.42%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7305\tx8385\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7
)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 79.78%\tab \up0 \expnd
tw-1\charscalex100 16.64%\tab \up0 \expndtw-1\charscalex100 37.80%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7305\tx8385\tx9465\tx10545\tx11223 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NPLs (
C7/C6)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\t
ab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 122.84%\par\pard\li900\sb
15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 I.Capital /leverage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\tx8
058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Capital ratio (A/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 90.00%\tab \up0 \expndtw-1\char
scalex100 66.95%\tab \up0 \expndtw-1\charscalex100 67.78%\tab \up0 \expndtw-1\ch
arscalex100 98.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9303
\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.C
ommitments & contingencies to total equity (E5/A) (times)\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
16\tab \up0 \expndtw-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0.11
\tab \up0 \expndtw-1\charscalex100 0.02\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7305\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Break up value per share (A/E1)\tab \dn2 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.55\ta
b \up0 \expndtw-1\charscalex100 11.34\tab \up0 \expndtw-1\charscalex100 12.21\ta
b \up0 \expndtw-1\charscalex100 12.13\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x7305\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.Total deposits to total equity (B3/A) (times)\tab \dn2 \expndt
w-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 0.00\tab \up0 \expndtw-1\charscalex100 0.00\tab \up0 \expndtw-1\charscalex10
0 0.00\tab \up0 \expndtw-1\charscalex100 0.00\par\pard\ql \li944\sb7\sl-184\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow rati
o \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7305\tx8160\tx9240\tx10320\tx11463 \
dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from
operating activities to profit after tax (E4/D10) (times)\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.08\tab \up0 \expndtw-1\charscalex100 -5.90\tab \up0 \expndtw-1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 2.28\par\pard\ql \li6127\sb0\sl-161\slmul
t0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 77
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g86}{\bkmkend Pg86}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 PAK KUWAIT INVESTMENT CO.\tab \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slm
ult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2
\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\c
harscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7893\tx8973\t
x9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tota
l equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 12,950,596\tab \up0 \expndtw-1\charscalex100 8,368,527\tab \up0 \expndtw-1\c
harscalex100 8,884,894\tab \up0 \expndtw-1\charscalex100 11,502,905\tab \up0 \ex
pndtw-1\charscalex100 12,503,432\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 6,000,000\tab \up0 \expndtw-1\charscalex100 6,000,000\tab \up0 \expndt
w-1\charscalex100 6,000,000\tab \up0 \expndtw-1\charscalex100 6,000,000\tab \up0
\expndtw-1\charscalex100 6,000,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 5,791,271\tab \up0 \expndtw-1\charscalex100 6,447,712\tab \up0 \expndtw
-1\charscalex100 2,884,894\tab \up0 \expndtw-1\charscalex100 2,992,287\tab \up0
\expndtw-1\charscalex100 3,114,865\par\pard\li900\sb19\sl-161\slmult0\fi194\tx68
13\tx7844\tx9438\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1,159,325\tab \up0 \expndtw-1\charscalex100 (4,079,185)\ta
b \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 2,510,618\ta

b \up0 \expndtw-1\charscalex100 3,388,567\par\pard\li900\sb19\sl-161\slmult0\fi1

94\tx6978\tx8010\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 41,164\tab \up0 \expndtw-1\charscalex100 (58,946)\tab \up0 \expndtw
-1\charscalex100 175,691\tab \up0 \expndtw-1\charscalex100 239,868\tab \up0 \exp
ndtw-1\charscalex100 84,687\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx789
3\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 11,413,856\tab \up0 \expndtw-1\charscalex100 7,158,931\tab \u
p0 \expndtw-1\charscalex100 15,145,252\tab \up0 \expndtw-1\charscalex100 13,280,
158\tab \up0 \expndtw-1\charscalex100 11,342,439\par\pard\li900\sb6\sl-161\slmul
t0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\char
scalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8913\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowin
gs from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 8,644,000\tab \up0 \expndtw-1\charscalex100 6,370,782\tab \up0 \e
xpndtw-1\charscalex100 10,377,872\tab \up0 \expndtw-1\charscalex100 9,807,369\ta
b \up0 \expndtw-1\charscalex100 9,161,654\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx8058\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1,947,500\tab \up0 \expndtw-1\charscalex100 37
,500\tab \up0 \expndtw-1\charscalex100 4,075,951\tab \up0 \expndtw-1\charscalex1
00 3,138,512\tab \up0 \expndtw-1\charscalex100 1,726,601\par\pard\li900\sb19\sl161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 822,356\tab \up0 \expndtw-1\charsca
lex100 750,649\tab \up0 \expndtw-1\charscalex100 691,429\tab \up0 \expndtw-1\cha
rscalex100 334,277\tab \up0 \expndtw-1\charscalex100 454,184\par\pard\li900\sb39
\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,405,616\tab \up0 \
expndtw-1\charscalex100 15,468,512\tab \up0 \expndtw-1\charscalex100 24,205,837\
tab \up0 \expndtw-1\charscalex100 25,022,931\tab \up0 \expndtw-1\charscalex100 2
3,930,558\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\t
x11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and ba
lances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 24,849\tab \up0 \expndtw-1\charscalex100 17,179\tab \up0 \expndtw-1\c
harscalex100 92,512\tab \up0 \expndtw-1\charscalex100 51,424\tab \up0 \expndtw-1
\charscalex100 442,766\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx
8973\tx10053\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 5,349,009\tab \up0 \expndtw-1\charscalex100 2,759,358\tab \up0 \exp
ndtw-1\charscalex100 1,797,223\tab \up0 \expndtw-1\charscalex100 1,409,688\tab \
up0 \expndtw-1\charscalex100 24,653\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
813\tx7998\tx9078\tx10158\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 6,591,584\tab \up0 \expndtw-1\charscalex100 50
0,000\tab \up0 \expndtw-1\charscalex100 800,000\tab \up0 \expndtw-1\charscalex10
0 250,000\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 8,074,324\tab \up0 \expndtw-1\charscalex100 8,436,921\tab \
up0 \expndtw-1\charscalex100 17,091,939\tab \up0 \expndtw-1\charscalex100 17,521
,580\tab \up0 \expndtw-1\charscalex100 15,966,871\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 4,418,660\tab \up0 \expndtw-1\charscalex100 4,269,1

16\tab \up0 \expndtw-1\charscalex100 5,003,098\tab \up0 \expndtw-1\charscalex100

6,389,805\tab \up0 \expndtw-1\charscalex100 8,131,825\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 338,539\tab \up0 \expndtw1\charscalex100 1,278,058\tab \up0 \expndtw-1\charscalex100 1,693,697\tab \up0 \
expndtw-1\charscalex100 1,648,540\tab \up0 \expndtw-1\charscalex100 1,723,232\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisions against adv
ances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 338,539\ta
b \up0 \expndtw-1\charscalex100 910,181\tab \up0 \expndtw-1\charscalex100 1,395,
656\tab \up0 \expndtw-1\charscalex100 1,420,615\tab \up0 \expndtw-1\charscalex10
0 1,577,790\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances
net of provisions (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 4,080,121\tab \up0 \expndtw-1\charscalex100 3,358,935\tab \up0 \expnd
tw-1\charscalex100 3,607,442\tab \up0 \expndtw-1\charscalex100 4,969,190\tab \up
0 \expndtw-1\charscalex100 6,554,035\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 121,588\tab \up0 \expndtw-1\charscalex100 107,138\tab \up0 \expndt
w-1\charscalex100 111,266\tab \up0 \expndtw-1\charscalex100 260,736\tab \up0 \ex
pndtw-1\charscalex100 282,125\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx
7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 164,141\tab \up0 \expndtw-1\charscalex100 288,981\tab \up0 \expndt
w-1\charscalex100 705,455\tab \up0 \expndtw-1\charscalex100 560,313\tab \up0 \ex
pndtw-1\charscalex100 660,108\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pa
rd\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,501,903\tab \up0
\expndtw-1\charscalex100 1,158,545\tab \up0 \expndtw-1\charscalex100 1,797,555\
tab \up0 \expndtw-1\charscalex100 2,111,019\tab \up0 \expndtw-1\charscalex100 2,
204,036\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.markup/inter
est expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8
94,330\tab \up0 \expndtw-1\charscalex100 551,191\tab \up0 \expndtw-1\charscalex1
00 1,189,263\tab \up0 \expndtw-1\charscalex100 1,452,508\tab \up0 \expndtw-1\cha
rscalex100 1,445,302\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx90
78\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 607,573\tab \up0 \expndtw-1\charscalex100 607,354\tab \up0 \expndt
w-1\charscalex100 608,292\tab \up0 \expndtw-1\charscalex100 658,511\tab \up0 \ex
pndtw-1\charscalex100 758,734\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
7893\tx9078\tx10170\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 37,647\tab \up0 \expndtw-1\charscalex100 4,647,386\tab \up0
\expndtw-1\charscalex100 716,319\tab \up0 \expndtw-1\charscalex100 (37,100)\tab
\up0 \expndtw-1\charscalex100 208,083\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6918\tx7844\tx9030\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 569,926\tab \up0 \expndtw-1\char
scalex100 (4,040,032)\tab \up0 \expndtw-1\charscalex100 (108,027)\tab \up0 \expn
dtw-1\charscalex100 695,611\tab \up0 \expndtw-1\charscalex100 550,651\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\tx8973\tx10053\tx11133 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,573,349\tab \up
0 \expndtw-1\charscalex100 253,814\tab \up0 \expndtw-1\charscalex100 1,015,405\t
ab \up0 \expndtw-1\charscalex100 1,030,674\tab \up0 \expndtw-1\charscalex100 1,6

38,323\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx1
1238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/in
terest expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 400,343\tab \up0 \expndtw-1\charscalex100 286,252\tab \up0 \expndtw-1\charscal
ex100 314,729\tab \up0 \expndtw-1\charscalex100 412,408\tab \up0 \expndtw-1\char
scalex100 462,723\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Ad
ministrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 400,288\tab \up0 \expndtw-1\charscalex100 286,202\tab \up0 \expndtw-1\char
scalex100 314,526\tab \up0 \expndtw-1\charscalex100 411,259\tab \up0 \expndtw-1\
charscalex100 462,723\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7844\tx9
078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
9.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 1,742,932\tab \up0 \expndtw-1\charscalex100 (4,072,470)\tab \up0
\expndtw-1\charscalex100 592,649\tab \up0 \expndtw-1\charscalex100 1,321,877\ta
b \up0 \expndtw-1\charscalex100 1,726,251\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7844\tx9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 1,449,156\tab \up0 \expndtw-1\charscalex100
(4,102,069)\tab \up0 \expndtw-1\charscalex100 516,367\tab \up0 \expndtw-1\charsc
alex100 968,732\tab \up0 \expndtw-1\charscalex100 1,360,527\par\pard\li900\sb14\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx103
83\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of
ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
240\tab \up0 \expndtw-1\charscalex100 240\tab \up0 \expndtw-1\charscalex100 240\
tab \up0 \expndtw-1\charscalex100 240\tab \up0 \expndtw-1\charscalex100 240\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6933\tx8088\tx9168\tx10248\tx11328 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.00%\tab \up0 \expndtw-1
\charscalex100 0.08%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1
\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\c
harscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c
harscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6764\tx7893\tx8973\tx10004\tx11084 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (1,147,603)\tab
\up0 \expndtw-1\charscalex100 2,454,422\tab \up0 \expndtw-1\charscalex100 7,482,
073\tab \up0 \expndtw-1\charscalex100 (2,336,821)\tab \up0 \expndtw-1\charscalex
100 (3,341,852)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx
10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Comm
itments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 804,466\tab \up0 \expndtw-1\charscalex100 1,337,586\tab \up0 \expndtw-1
\charscalex100 534,532\tab \up0 \expndtw-1\charscalex100 193,141\tab \up0 \expnd
tw-1\charscalex100 1,150,452\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitabili
ty ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread rati
o (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40.45%
\tab \up0 \expndtw-1\charscalex100 52.42%\tab \up0 \expndtw-1\charscalex100 33.8
4%\tab \up0 \expndtw-1\charscalex100 31.19%\tab \up0 \expndtw-1\charscalex100 34
.42%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx113
58 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/inte
rest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 2.49%\tab \up0 \expndtw-1\charscalex100 3.93%\tab \up0 \expndtw-1\charsc
alex100 2.51%\tab \up0 \expndtw-1\charscalex100 2.63%\tab \up0 \expndtw-1\charsc
alex100 3.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7980\tx9198\tx10

278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return

on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 11.19%\tab \up0 \expndtw-1\charscalex100 -49.02%\tab \up0 \expndtw-1\ch
arscalex100 5.81%\tab \up0 \expndtw-1\charscalex100 8.42%\tab \up0 \expndtw-1\ch
arscalex100 10.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx7980\tx9198
\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.R
eturn on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 5.94%\tab \up0 \expndtw-1\charscalex100 -26.52%\tab \up0 \expndtw1\charscalex100 2.13%\tab \up0 \expndtw-1\charscalex100 3.87%\tab \up0 \expndtw1\charscalex100 5.69%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9
198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Non-markup/interest income to total assets (D6/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 6.45%\tab \up0 \expndtw-1\charscalex100 1.
64%\tab \up0 \expndtw-1\charscalex100 4.19%\tab \up0 \expndtw-1\charscalex100 4.
12%\tab \up0 \expndtw-1\charscalex100 6.85%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7038\tx7980\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 6.Net markup/interest income(after provisions) to total
assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.3
4%\tab \up0 \expndtw-1\charscalex100 -26.12%\tab \up0 \expndtw-1\charscalex100 0.45%\tab \up0 \expndtw-1\charscalex100 2.78%\tab \up0 \expndtw-1\charscalex100
2.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interes
t expenses to markup/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 59.55%\tab \up0 \expndtw-1\charscalex100 47.58%
\tab \up0 \expndtw-1\charscalex100 66.16%\tab \up0 \expndtw-1\charscalex100 68.8
1%\tab \up0 \expndtw-1\charscalex100 65.58%\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx7143\tx8160\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 8.Admin. expenses to profit before tax. (D8/D9) (times)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.23\tab \up0 \exp
ndtw-1\charscalex100 -0.07\tab \up0 \expndtw-1\charscalex100 0.53\tab \up0 \expn
dtw-1\charscalex100 0.31\tab \up0 \expndtw-1\charscalex100 0.27\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interest expenses to to
tal income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.13\tab \up0 \expndtw-1\charscalex100 0.20\tab \up0 \expndtw-1\charscalex
100 0.11\tab \up0 \expndtw-1\charscalex100 0.13\tab \up0 \expndtw-1\charscalex10
0 0.12\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx1
1463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expen
ses to non-markup/interest income (D8/D6) (times)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 0.25\tab \up0 \expndtw-1\charscalex100 1.13\
tab \up0 \expndtw-1\charscalex100 0.31\tab \up0 \expndtw-1\charscalex100 0.40\ta
b \up0 \expndtw-1\charscalex100 0.28\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
6918\tx7860\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 6,038.15\tab \up0 \expndtw-1\charscalex100 -17,091.
95\tab \up0 \expndtw-1\charscalex100 2,151.53\tab \up0 \expndtw-1\charscalex100
4,036.38\tab \up0 \expndtw-1\charscalex100 5,668.86\par\pard\li900\sb14\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquid
ity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9198\tx10278\
tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cas
h equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 22.02%\tab \up0 \expndtw-1\charscalex100 17.95%\tab \up0
\expndtw-1\charscalex100 7.81%\tab \up0 \expndtw-1\charscalex100 5.84%\tab \up0
\expndtw-1\charscalex100 1.95%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\t
x8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 33.08%\tab \up0 \expndtw-1\charscalex100 54.54%\tab
\up0 \expndtw-1\charscalex100 70.61%\tab \up0 \expndtw-1\charscalex100 70.02%\t
ab \up0 \expndtw-1\charscalex100 66.72%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper

sub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \

expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.72%\tab \up0 \expndtw-1
\charscalex100 21.71%\tab \up0 \expndtw-1\charscalex100 14.90%\tab \up0 \expndtw
-1\charscalex100 19.86%\tab \up0 \expndtw-1\charscalex100 27.39%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11358 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits to total assets (B3/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.98%\tab \up0 \exp
ndtw-1\charscalex100 0.24%\tab \up0 \expndtw-1\charscalex100 16.84%\tab \up0 \ex
pndtw-1\charscalex100 12.54%\tab \up0 \expndtw-1\charscalex100 7.22%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total asse
ts (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.77%\
tab \up0 \expndtw-1\charscalex100 46.28%\tab \up0 \expndtw-1\charscalex100 62.57
%\tab \up0 \expndtw-1\charscalex100 53.07%\tab \up0 \expndtw-1\charscalex100 47.
40%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7818\tx9063\tx10143\tx1122
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances t
o deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 226.89%\tab \up0 \expndtw-1\charscalex100 11,384.31%\tab \up0 \expndtw-1\char
scalex100 122.75%\tab \up0 \expndtw-1\charscalex100 203.59%\tab \up0 \expndtw-1\
charscalex100 470.97%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9
138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Gross advances to borrowing & deposits C5/(B2+B3)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 41.72%\tab \up0 \expndtw-1\charscalex100 66.
62%\tab \up0 \expndtw-1\charscalex100 34.61%\tab \up0 \expndtw-1\charscalex100 4
9.36%\tab \up0 \expndtw-1\charscalex100 74.68%\par\pard\li900\sb15\sl-184\slmult
0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets qual
ity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-perfor
ming loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 7.66%\tab \up0 \expndtw-1\charscalex100 29.94%\tab \up0 \exp
ndtw-1\charscalex100 33.85%\tab \up0 \expndtw-1\charscalex100 25.80%\tab \up0 \e
xpndtw-1\charscalex100 21.19%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Provision against NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 7.66%\tab \up0 \expndtw-1\charscalex1
00 21.32%\tab \up0 \expndtw-1\charscalex100 27.90%\tab \up0 \expndtw-1\charscale
x100 22.23%\tab \up0 \expndtw-1\charscalex100 19.40%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.NPLs to total equity (C6/A)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.61%\tab \up0 \expndtw-1\charscale
x100 15.27%\tab \up0 \expndtw-1\charscalex100 19.06%\tab \up0 \expndtw-1\charsca
lex100 14.33%\tab \up0 \expndtw-1\charscalex100 13.78%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6978\tx7983\tx9138\tx10215\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.12%\tab \up0 \ex
pndtw-1\charscalex100 510.60%\tab \up0 \expndtw-1\charscalex100 51.32%\tab \up0
\expndtw-1\charscalex100 -2.61%\tab \up0 \expndtw-1\charscalex100 13.19%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8058\tx9138\tx10218\tx11298 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NP
Ls (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100
.00%\tab \up0 \expndtw-1\charscalex100 71.22%\tab \up0 \expndtw-1\charscalex100
82.40%\tab \up0 \expndtw-1\charscalex100 86.17%\tab \up0 \expndtw-1\charscalex10
0 91.56%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb0\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 53.06%\tab \up0 \expndtw-1\charscalex100
54.10%\tab \up0 \expndtw-1\charscalex100 36.71%\tab \up0 \expndtw-1\charscalex10
0 45.97%\tab \up0 \expndtw-1\charscalex100 52.25%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u

l0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A)

(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.06\ta
b \up0 \expndtw-1\charscalex100 0.16\tab \up0 \expndtw-1\charscalex100 0.06\tab
\up0 \expndtw-1\charscalex100 0.02\tab \up0 \expndtw-1\charscalex100 0.09\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6843\tx7923\tx9003\tx10083\tx11163 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (
A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 53,960.82\
tab \up0 \expndtw-1\charscalex100 34,868.86\tab \up0 \expndtw-1\charscalex100 37
,020.39\tab \up0 \expndtw-1\charscalex100 47,928.77\tab \up0 \expndtw-1\charscal
ex100 52,097.63\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Tota
l deposits to total equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.15\tab \up0 \expndtw-1\charscalex100 0.00\tab \up0 \
expndtw-1\charscalex100 0.46\tab \up0 \expndtw-1\charscalex100 0.27\tab \up0 \ex
pndtw-1\charscalex100 0.14\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\
sb8\sl-161\slmult0\fi0\tx7080\tx8160\tx9243\tx10320\tx11400 \dn2 \expndtw-1\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating activiti
es to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 -0.79\tab \up0 \expndtw-1\charscalex100 -0.60\tab \up0 \
expndtw-1\charscalex100 14.49\tab \up0 \expndtw-1\charscalex100 -2.41\tab \up0 \
expndtw-1\charscalex100 -2.46\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\q
l\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\
li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 78
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
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pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 PAK LIBYA HOLDING COMPANY LIMITED\tab \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl
-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscale
x100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \e
xpndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \exp
ndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\
tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 7,140,682\tab \up0 \expndtw-1\charscalex100 7,253,062\tab \up0 \exp
ndtw-1\charscalex100 6,524,955\tab \up0 \expndtw-1\charscalex100 6,650,877\tab \
up0 \expndtw-1\charscalex100 6,586,986\par\pard\li900\sb0\sl-161\slmult0\fi194\t
x6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 5,841,780\tab \up0 \expndtw-1\charscalex100 6,141,780\tab \up0 \
expndtw-1\charscalex100 6,141,780\tab \up0 \expndtw-1\charscalex100 6,141,780\ta
b \up0 \expndtw-1\charscalex100 6,141,780\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6918\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 898,113\tab \up0 \expndtw-1\charscalex100 1,020,589\tab \up0 \exp
ndtw-1\charscalex100 444,589\tab \up0 \expndtw-1\charscalex100 474,801\tab \up0
\expndtw-1\charscalex100 474,801\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918
\tx8058\tx9090\tx10218\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 400,789\tab \up0 \expndtw-1\charscalex100 90,693\tab \up0 \e
xpndtw-1\charscalex100 (61,414)\tab \up0 \expndtw-1\charscalex100 34,296\tab \up
0 \expndtw-1\charscalex100 (29,595)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
930\tx7844\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 (72,237)\tab \up0 \expndtw-1\charscalex100 (1,600,269)\tab \up0 \expndtw1\charscalex100 (207,905)\tab \up0 \expndtw-1\charscalex100 (191,250)\tab \up0 \
expndtw-1\charscalex100 (229,759)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753
\tx7893\tx8913\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 12,562,532\tab \up0 \expndtw-1\charscalex100 6,519,558
\tab \up0 \expndtw-1\charscalex100 10,099,231\tab \up0 \expndtw-1\charscalex100
9,915,845\tab \up0 \expndtw-1\charscalex100 8,526,649\par\pard\li900\sb6\sl-161\
slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\t
x10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Bor
rowings from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 8,750,370\tab \up0 \expndtw-1\charscalex100 4,858,821\tab \u
p0 \expndtw-1\charscalex100 3,210,806\tab \up0 \expndtw-1\charscalex100 4,983,79
0\tab \up0 \expndtw-1\charscalex100 4,537,471\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 3,525,000\tab \up0 \expndtw-1\charscalex10
0 1,400,000\tab \up0 \expndtw-1\charscalex100 6,404,711\tab \up0 \expndtw-1\char
scalex100 4,657,690\tab \up0 \expndtw-1\charscalex100 3,652,844\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \ex

pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 287,162\tab \up0 \expndtw-1\

charscalex100 260,737\tab \up0 \expndtw-1\charscalex100 483,714\tab \up0 \expndt
w-1\charscalex100 274,365\tab \up0 \expndtw-1\charscalex100 336,334\par\pard\li9
00\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,630,977\tab
\up0 \expndtw-1\charscalex100 12,172,351\tab \up0 \expndtw-1\charscalex100 16,4
16,281\tab \up0 \expndtw-1\charscalex100 16,375,472\tab \up0 \expndtw-1\charscal
ex100 14,883,876\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 21,954\tab \up0 \expndtw-1\charscalex100 42,624\tab \up0 \expn
dtw-1\charscalex100 64,312\tab \up0 \expndtw-1\charscalex100 76,513\tab \up0 \ex
pndtw-1\charscalex100 42,643\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8
058\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 226,459\tab \up0 \expndtw-1\charscalex100 78,821\tab \up0 \ex
pndtw-1\charscalex100 108,980\tab \up0 \expndtw-1\charscalex100 36,324\tab \up0
\expndtw-1\charscalex100 41,177\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7998\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 5,355,534\tab \up0 \expndtw-1\charscalex100 698,76
9\tab \up0 \expndtw-1\charscalex100 1,646,286\tab \up0 \expndtw-1\charscalex100
1,482,414\tab \up0 \expndtw-1\charscalex100 200,000\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 8,450,866\tab \up0 \expndtw-1\charscalex100 5,477,55
8\tab \up0 \expndtw-1\charscalex100 6,379,873\tab \up0 \expndtw-1\charscalex100
6,286,676\tab \up0 \expndtw-1\charscalex100 6,187,323\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 5,233,732\tab \up0 \expndtw-1\charscalex100 5,4
83,847\tab \up0 \expndtw-1\charscalex100 8,285,178\tab \up0 \expndtw-1\charscale
x100 8,430,312\tab \up0 \expndtw-1\charscalex100 8,003,538\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 323,641\tab \up0 \expn
dtw-1\charscalex100 529,012\tab \up0 \expndtw-1\charscalex100 1,012,965\tab \up0
\expndtw-1\charscalex100 1,122,912\tab \up0 \expndtw-1\charscalex100 1,566,090\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\tx11238 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisions against a
dvances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 146,018\
tab \up0 \expndtw-1\charscalex100 545,064\tab \up0 \expndtw-1\charscalex100 944,
570\tab \up0 \expndtw-1\charscalex100 1,019,531\tab \up0 \expndtw-1\charscalex10
0 964,425\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances n
et of provisions (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 5,087,714\tab \up0 \expndtw-1\charscalex100 4,938,783\tab \up0 \expndtw
-1\charscalex100 7,340,608\tab \up0 \expndtw-1\charscalex100 7,410,781\tab \up0
\expndtw-1\charscalex100 7,039,113\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
78\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 63,776\tab \up0 \expndtw-1\charscalex100 52,281\tab \up0 \expndtw-1\
charscalex100 82,960\tab \up0 \expndtw-1\charscalex100 96,089\tab \up0 \expndtw1\charscalex100 68,568\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx
9078\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 424,674\tab \up0 \expndtw-1\charscalex100 883,515\tab \up0 \expndtw-1\cha
rscalex100 793,262\tab \up0 \expndtw-1\charscalex100 986,675\tab \up0 \expndtw-1
\charscalex100 1,305,052\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2

\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li

900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,264,849\tab \up0 \exp
ndtw-1\charscalex100 1,610,370\tab \up0 \expndtw-1\charscalex100 1,611,086\tab \
up0 \expndtw-1\charscalex100 1,675,251\tab \up0 \expndtw-1\charscalex100 1,728,7
63\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.markup/interest
expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 961,74
6\tab \up0 \expndtw-1\charscalex100 1,105,089\tab \up0 \expndtw-1\charscalex100
1,145,347\tab \up0 \expndtw-1\charscalex100 1,125,259\tab \up0 \expndtw-1\charsc
alex100 1,100,691\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Ne
t markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 303,103\tab \up0 \expndtw-1\charscalex100 505,281\tab \up0 \expndtw-1
\charscalex100 465,739\tab \up0 \expndtw-1\charscalex100 549,992\tab \up0 \expnd
tw-1\charscalex100 628,072\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 58,534\tab \up0 \expndtw-1\charscalex100 505,969\tab \up0 \expn
dtw-1\charscalex100 508,620\tab \up0 \expndtw-1\charscalex100 341,721\tab \up0 \
expndtw-1\charscalex100 185,091\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\
tx8175\tx9090\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 244,569\tab \up0 \expndtw-1\charscalex
100 (688)\tab \up0 \expndtw-1\charscalex100 (42,881)\tab \up0 \expndtw-1\charsca
lex100 208,271\tab \up0 \expndtw-1\charscalex100 442,981\par\pard\li900\sb19\sl161\slmult0\fi194\tx6918\tx7998\tx9030\tx10158\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 458,539\tab \up0 \expndtw-1\ch
arscalex100 281,258\tab \up0 \expndtw-1\charscalex100 (484,130)\tab \up0 \expndt
w-1\charscalex100 214,661\tab \up0 \expndtw-1\charscalex100 46,188\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest expenses\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 175,508\tab \up0 \
expndtw-1\charscalex100 218,224\tab \up0 \expndtw-1\charscalex100 226,215\tab \u
p0 \expndtw-1\charscalex100 287,562\tab \up0 \expndtw-1\charscalex100 373,618\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative expense
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 167,691\tab \u
p0 \expndtw-1\charscalex100 207,605\tab \up0 \expndtw-1\charscalex100 222,880\ta
b \up0 \expndtw-1\charscalex100 281,965\tab \up0 \expndtw-1\charscalex100 341,01
4\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9030\tx10158\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) befo
re taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 527,
600\tab \up0 \expndtw-1\charscalex100 62,346\tab \up0 \expndtw-1\charscalex100 (
753,226)\tab \up0 \expndtw-1\charscalex100 105,473\tab \up0 \expndtw-1\charscale
x100 115,551\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9030\tx101
58\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Profit
/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 499,021\tab \up0 \expndtw-1\charscalex100 112,380\tab \up0 \expndtw-1\cha
rscalex100 (728,107)\tab \up0 \expndtw-1\charscalex100 131,626\tab \up0 \expndtw
-1\charscalex100 (63,891)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\s
l-161\slmult0\fi194\tx7143\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 584\tab \up0 \expndtw-1\charscalex
100 614,178\tab \up0 \expndtw-1\charscalex100 614,178\tab \up0 \expndtw-1\charsc
alex100 614,178\tab \up0 \expndtw-1\charscalex100 614,178\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscal

ex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscal

ex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00
%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00
%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.51%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7844\tx9030\tx10170\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,351,039\tab \up0 \expndtw-1\chars
calex100 (1,787,539)\tab \up0 \expndtw-1\charscalex100 (572,247)\tab \up0 \expnd
tw-1\charscalex100 (88,345)\tab \up0 \expndtw-1\charscalex100 726,795\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigencies\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,502,846\tab \up
0 \expndtw-1\charscalex100 2,592,189\tab \up0 \expndtw-1\charscalex100 2,267,235
\tab \up0 \expndtw-1\charscalex100 1,620,644\tab \up0 \expndtw-1\charscalex100 1
,446,275\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\l
i900\sb1\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23.96%\tab \up0 \expndtw-1
\charscalex100 31.38%\tab \up0 \expndtw-1\charscalex100 28.91%\tab \up0 \expndtw
-1\charscalex100 32.83%\tab \up0 \expndtw-1\charscalex100 36.33%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D1-D2
)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.54%\tab \u
p0 \expndtw-1\charscalex100 4.15%\tab \up0 \expndtw-1\charscalex100 2.84%\tab \u
p0 \expndtw-1\charscalex100 3.36%\tab \up0 \expndtw-1\charscalex100 4.22%\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9060\tx10278\tx11295 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE) (D1
0/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.99%\tab \
up0 \expndtw-1\charscalex100 1.55%\tab \up0 \expndtw-1\charscalex100 -11.16%\tab
\up0 \expndtw-1\charscalex100 1.98%\tab \up0 \expndtw-1\charscalex100 -0.97%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx10278\tx11295 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA)
(D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.54%\t
ab \up0 \expndtw-1\charscalex100 0.92%\tab \up0 \expndtw-1\charscalex100 -4.44%\
tab \up0 \expndtw-1\charscalex100 0.80%\tab \up0 \expndtw-1\charscalex100 -0.43%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx10278\tx11358 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest
income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 2.34%\tab \up0 \expndtw-1\charscalex100 2.31%\tab \up0 \expndtw
-1\charscalex100 -2.95%\tab \up0 \expndtw-1\charscalex100 1.31%\tab \up0 \expndt
w-1\charscalex100 0.31%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8055\t
x9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 6.Net markup/interest income(after provisions) to total assets(D5/C)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.25%\tab \up0 \expndtw
-1\charscalex100 -0.01%\tab \up0 \expndtw-1\charscalex100 -0.26%\tab \up0 \expnd
tw-1\charscalex100 1.27%\tab \up0 \expndtw-1\charscalex100 2.98%\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expenses to marku
p/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 76.04%\tab \up0 \expndtw-1\charscalex100 68.62%\tab \up0 \expndtw-1\
charscalex100 71.09%\tab \up0 \expndtw-1\charscalex100 67.17%\tab \up0 \expndtw1\charscalex100 63.67%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx
9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
8.Admin. expenses to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\cha

rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.32\tab \up0 \expndtw-1\charscalex100

3.33\tab \up0 \expndtw-1\charscalex100 -0.30\tab \up0 \expndtw-1\charscalex100 2
.67\tab \up0 \expndtw-1\charscalex100 2.95\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 9.Non-markup/interest expenses to total income D7/(D1+D6)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.10\tab \up0 \
expndtw-1\charscalex100 0.12\tab \up0 \expndtw-1\charscalex100 0.20\tab \up0 \ex
pndtw-1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 0.21\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expenses to non-markup/int
erest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0.37\tab \up0 \expndtw-1\charscalex100 0.74\tab \up0 \expndtw-1\c
harscalex100 -0.46\tab \up0 \expndtw-1\charscalex100 1.31\tab \up0 \expndtw-1\ch
arscalex100 7.38\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8223\tx9240\t
x10383\tx11400 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Ea
rning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 854.23\tab \up0 \expndtw-1\charscalex100 0.18\tab \up0 \expndtw-1\chars
calex100 -1.19\tab \up0 \expndtw-1\charscalex100 0.21\tab \up0 \expndtw-1\charsc
alex100 -0.10\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\s
lmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.27%\tab \up0
\expndtw-1\charscalex100 1.00%\tab \up0 \expndtw-1\charscalex100 1.06%\tab \up0
\expndtw-1\charscalex100 0.69%\tab \up0 \expndtw-1\charscalex100 0.56%\par\pard\
li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C
4/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 43.05%\tab
\up0 \expndtw-1\charscalex100 45.00%\tab \up0 \expndtw-1\charscalex100 38.86%\ta
b \up0 \expndtw-1\charscalex100 38.39%\tab \up0 \expndtw-1\charscalex100 41.57%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of prov
isions to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 25.92%\tab \up0 \expndtw-1\charscalex100 40.57%\tab \up0 \expndtw1\charscalex100 44.72%\tab \up0 \expndtw-1\charscalex100 45.26%\tab \up0 \expndt
w-1\charscalex100 47.29%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 17.96%\tab \up0 \expndtw-1\charscalex100 11.50%\tab \up0 \e
xpndtw-1\charscalex100 39.01%\tab \up0 \expndtw-1\charscalex100 28.44%\tab \up0
\expndtw-1\charscalex100 24.54%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\
tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 63.99%\tab \up0 \expndtw-1\charscalex100 53.
56%\tab \up0 \expndtw-1\charscalex100 61.52%\tab \up0 \expndtw-1\charscalex100 6
0.55%\tab \up0 \expndtw-1\charscalex100 57.29%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 148.47%\tab \up0 \expndtw-1\charsc
alex100 391.70%\tab \up0 \expndtw-1\charscalex100 129.36%\tab \up0 \expndtw-1\ch
arscalex100 181.00%\tab \up0 \expndtw-1\charscalex100 219.10%\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposits
C5/(B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42.6
4%\tab \up0 \expndtw-1\charscalex100 87.62%\tab \up0 \expndtw-1\charscalex100 86
.16%\tab \up0 \expndtw-1\charscalex100 87.44%\tab \up0 \expndtw-1\charscalex100
97.72%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slm
ult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab

\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.18%\tab \up0 \expn

dtw-1\charscalex100 9.65%\tab \up0 \expndtw-1\charscalex100 12.23%\tab \up0 \exp
ndtw-1\charscalex100 13.32%\tab \up0 \expndtw-1\charscalex100 19.57%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs to gross
advances (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 2.79%\tab \up0 \expndtw-1\charscalex100 9.94%\tab \up0 \expndtw-1\charscalex10
0 11.40%\tab \up0 \expndtw-1\charscalex100 12.09%\tab \up0 \expndtw-1\charscalex
100 12.05%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to t
otal equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4.53%\tab \up0 \expndtw-1\charscalex100 7.29%\tab \up0 \expndtw-1\charscalex1
00 15.52%\tab \up0 \expndtw-1\charscalex100 16.88%\tab \up0 \expndtw-1\charscale
x100 23.78%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1021
8\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs wri
te off to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 40.09%\tab \up0 \expndtw-1\charscalex100 92.83%\tab \up0 \expn
dtw-1\charscalex100 53.85%\tab \up0 \expndtw-1\charscalex100 33.52%\tab \up0 \ex
pndtw-1\charscalex100 19.19%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7
983\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 45.12%\tab \up0 \expndtw-1\charscalex100 103.03
%\tab \up0 \expndtw-1\charscalex100 93.25%\tab \up0 \expndtw-1\charscalex100 90.
79%\tab \up0 \expndtw-1\charscalex100 61.58%\par\pard\li900\sb15\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leve
rage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital r
atio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 36.37
%\tab \up0 \expndtw-1\charscalex100 59.59%\tab \up0 \expndtw-1\charscalex100 39.
75%\tab \up0 \expndtw-1\charscalex100 40.61%\tab \up0 \expndtw-1\charscalex100 4
4.26%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11
463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments &
contingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 0.35\tab \up0 \expndtw-1\charscalex100 0.36\tab \up
0 \expndtw-1\charscalex100 0.35\tab \up0 \expndtw-1\charscalex100 0.24\tab \up0
\expndtw-1\charscalex100 0.22\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6843\tx
8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 12,223.47\tab \up0 \expndtw-1\charscalex100 11.81\tab
\up0 \expndtw-1\charscalex100 10.62\tab \up0 \expndtw-1\charscalex100 10.83\tab
\up0 \expndtw-1\charscalex100 10.72\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.Total deposits to total equity (B3/A) (times)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.49\tab \up0 \expndtw-1\charscale
x100 0.19\tab \up0 \expndtw-1\charscalex100 0.98\tab \up0 \expndtw-1\charscalex1
00 0.70\tab \up0 \expndtw-1\charscalex100 0.55\par\pard\ql \li944\sb7\sl-184\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow rat
io \par\pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8084\tx9303\tx10320\tx11324
\dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated fro
m operating activities to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.71\tab \up0 \expndtw-1\charscalex1
00 -15.91\tab \up0 \expndtw-1\charscalex100 0.79\tab \up0 \expndtw-1\charscalex1
00 -0.67\tab \up0 \expndtw-1\charscalex100 -11.38\par\pard\ql \li6127\sb0\sl-161
\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\s
lmult0 \par\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 79
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g88}{\bkmkend Pg88}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 PAK OMAN INVESTMENT COMPANY LIMITED\tab \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\
sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0
\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \e
xpndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx789
3\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 7,473,460\tab \up0 \expndtw-1\charscalex100 7,172,413\tab \up0 \e
xpndtw-1\charscalex100 6,564,920\tab \up0 \expndtw-1\charscalex100 6,793,844\tab
\up0 \expndtw-1\charscalex100 6,931,824\par\pard\li900\sb0\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 6,150,000\tab \up0 \expndtw-1\charscalex100 6,150,000\tab \up0
\expndtw-1\charscalex100 6,150,000\tab \up0 \expndtw-1\charscalex100 6,150,000\
tab \up0 \expndtw-1\charscalex100 6,150,000\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6918\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 924,863\tab \up0 \expndtw-1\charscalex100 1,017,251\tab \up0 \e
xpndtw-1\charscalex100 414,920\tab \up0 \expndtw-1\charscalex100 492,568\tab \up
0 \expndtw-1\charscalex100 485,312\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
18\tx8133\tx9437\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c

f51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nos

upersub\cf56\f57\fs12 398,597\tab \up0 \expndtw-1\charscalex100 5,162\tab \up0 \
expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 151,276\tab \up0 \ex
pndtw-1\charscalex100 296,512\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx
7950\tx9030\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
(112,803)\tab \up0 \expndtw-1\charscalex100 (899,590)\tab \up0 \expndtw-1\chars
calex100 (142,019)\tab \up0 \expndtw-1\charscalex100 (31,697)\tab \up0 \expndtw1\charscalex100 (56,048)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\t
x8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
B.Total liabilities (B1 to B4)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 14,480,188\tab \up0 \expndtw-1\charscalex100 11,119,791\tab \up0
\expndtw-1\charscalex100 14,141,838\tab \up0 \expndtw-1\charscalex100 12,430,97
7\tab \up0 \expndtw-1\charscalex100 11,963,268\par\pard\li900\sb6\sl-161\slmult0
\fi194\tx7277\tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Bills payable\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsc
alex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Borrowings
from financial institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 11,776,222\tab \up0 \expndtw-1\charscalex100 7,491,561\tab \up0 \ex
pndtw-1\charscalex100 8,895,096\tab \up0 \expndtw-1\charscalex100 6,145,349\tab
\up0 \expndtw-1\charscalex100 6,648,716\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Deposits and other accounts\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 2,168,358\tab \up0 \expndtw-1\charscalex100 3,02
3,121\tab \up0 \expndtw-1\charscalex100 4,562,089\tab \up0 \expndtw-1\charscalex
100 5,561,165\tab \up0 \expndtw-1\charscalex100 4,695,693\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc. liabilities\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 535,608\tab \up0 \expndtw-1\charsc
alex100 605,109\tab \up0 \expndtw-1\charscalex100 684,653\tab \up0 \expndtw-1\ch
arscalex100 724,463\tab \up0 \expndtw-1\charscalex100 618,859\par\pard\li900\sb3
9\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C4 + C8 to C10)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,840,845\tab \up0
\expndtw-1\charscalex100 17,392,614\tab \up0 \expndtw-1\charscalex100 20,564,739
\tab \up0 \expndtw-1\charscalex100 19,193,124\tab \up0 \expndtw-1\charscalex100
18,839,044\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\
tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash and b
alances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 25,042\tab \up0 \expndtw-1\charscalex100 48,548\tab \up0 \expndtw-1\
charscalex100 73,968\tab \up0 \expndtw-1\charscalex100 70,420\tab \up0 \expndtw1\charscalex100 66,679\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7997\tx
9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Balances with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1,641,977\tab \up0 \expndtw-1\charscalex100 508,560\tab \up0 \expnd
tw-1\charscalex100 590,362\tab \up0 \expndtw-1\charscalex100 664,169\tab \up0 \e
xpndtw-1\charscalex100 209,531\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Lending to financial institutions\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 3,706,071\tab \up0 \expndtw-1\charscalex100 3,137,1
80\tab \up0 \expndtw-1\charscalex100 2,846,936\tab \up0 \expndtw-1\charscalex100
2,467,467\tab \up0 \expndtw-1\charscalex100 1,321,745\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8913\tx10053\tx11073 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.Investments\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 9,052,600\tab \up0 \expndtw-1\charscalex100 6,996
,478\tab \up0 \expndtw-1\charscalex100 10,775,046\tab \up0 \expndtw-1\charscalex
100 9,129,453\tab \up0 \expndtw-1\charscalex100 10,632,874\par\pard\li900\sb19\s

l-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charsca

lex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross advances\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 6,964,645\tab \up0 \expndtw-1\charscalex10
0 6,074,145\tab \up0 \expndtw-1\charscalex100 6,440,129\tab \up0 \expndtw-1\char
scalex100 7,052,670\tab \up0 \expndtw-1\charscalex100 6,739,785\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Advances-non-performing/classified\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 156,865\tab \up0
\expndtw-1\charscalex100 333,971\tab \up0 \expndtw-1\charscalex100 926,015\tab \
up0 \expndtw-1\charscalex100 1,221,006\tab \up0 \expndtw-1\charscalex100 1,199,0
78\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10053\tx11237
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Provisions agains
t advances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 132,8
88\tab \up0 \expndtw-1\charscalex100 333,971\tab \up0 \expndtw-1\charscalex100 9
26,015\tab \up0 \expndtw-1\charscalex100 1,107,629\tab \up0 \expndtw-1\charscale
x100 974,224\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx100
53\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advance
s net of provisions (C5-C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 6,831,757\tab \up0 \expndtw-1\charscalex100 5,740,174\tab \up0 \expn
dtw-1\charscalex100 5,514,114\tab \up0 \expndtw-1\charscalex100 5,945,041\tab \u
p0 \expndtw-1\charscalex100 5,765,561\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 9.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 73,887\tab \up0 \expndtw-1\charscalex100 67,109\tab \up0 \expndtw
-1\charscalex100 62,538\tab \up0 \expndtw-1\charscalex100 74,901\tab \up0 \expnd
tw-1\charscalex100 68,276\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997
\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 10.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 509,511\tab \up0 \expndtw-1\charscalex100 894,565\tab \up0 \expndtw-1\
charscalex100 701,775\tab \up0 \expndtw-1\charscalex100 841,673\tab \up0 \expndt
w-1\charscalex100 774,378\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\l
i900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,616,934\tab \up0 \ex
pndtw-1\charscalex100 2,038,155\tab \up0 \expndtw-1\charscalex100 2,319,194\tab
\up0 \expndtw-1\charscalex100 2,231,471\tab \up0 \expndtw-1\charscalex100 2,270,
702\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx1113
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.markup/interest
expensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,063
,943\tab \up0 \expndtw-1\charscalex100 1,318,404\tab \up0 \expndtw-1\charscalex1
00 1,636,815\tab \up0 \expndtw-1\charscalex100 1,462,002\tab \up0 \expndtw-1\cha
rscalex100 1,513,542\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx90
77\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Net markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 552,991\tab \up0 \expndtw-1\charscalex100 719,751\tab \up0 \expndt
w-1\charscalex100 682,379\tab \up0 \expndtw-1\charscalex100 769,469\tab \up0 \ex
pndtw-1\charscalex100 757,160\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx
7997\tx9077\tx10157\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 87,319\tab \up0 \expndtw-1\charscalex100 253,496\tab \up0 \e
xpndtw-1\charscalex100 729,674\tab \up0 \expndtw-1\charscalex100 267,739\tab \up
0 \expndtw-1\charscalex100 (73,119)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
917\tx7997\tx9090\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 465,672\tab \up0 \expndtw-1\charsc
alex100 466,255\tab \up0 \expndtw-1\charscalex100 (47,295)\tab \up0 \expndtw-1\c
harscalex100 501,730\tab \up0 \expndtw-1\charscalex100 830,279\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6917\tx8010\tx9030\tx10157\tx11237 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0

\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 957,144\tab \up0 \expndt

w-1\charscalex100 (62,050)\tab \up0 \expndtw-1\charscalex100 (359,896)\tab \up0
\expndtw-1\charscalex100 297,510\tab \up0 \expndtw-1\charscalex100 153,800\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest exp
enses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 281,068\ta
b \up0 \expndtw-1\charscalex100 277,645\tab \up0 \expndtw-1\charscalex100 246,62
8\tab \up0 \expndtw-1\charscalex100 343,788\tab \up0 \expndtw-1\charscalex100 36
0,868\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11
237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administrative
expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 193,50
5\tab \up0 \expndtw-1\charscalex100 255,846\tab \up0 \expndtw-1\charscalex100 23
4,559\tab \up0 \expndtw-1\charscalex100 326,855\tab \up0 \expndtw-1\charscalex10
0 335,648\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9030\tx10157\
tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(lo
ss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 676,076\tab \up0 \expndtw-1\charscalex100 126,560\tab \up0 \expndtw-1\charsc
alex100 (653,819)\tab \up0 \expndtw-1\charscalex100 455,452\tab \up0 \expndtw-1\
charscalex100 623,211\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx8133\tx9
077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 523,305\tab \up0 \expndtw-1\charscalex100 6,453\tab \up0 \expndt
w-1\charscalex100 607,493\tab \up0 \expndtw-1\charscalex100 332,799\tab \up0 \ex
pndtw-1\charscalex100 357,521\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\s
b1\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 615,000\tab \up0 \expndtw-1\ch
arscalex100 615,000\tab \up0 \expndtw-1\charscalex100 615,000\tab \up0 \expndtw1\charscalex100 615,000\tab \up0 \expndtw-1\charscalex100 615,000\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.19%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 0.19%\tab \up0 \expndtw-1\charscalex10
0 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6813\tx7997\tx9137\tx10053\tx11084 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,033,513\tab \up0 \expndtw
-1\charscalex100 363,978\tab \up0 \expndtw-1\charscalex100 52,313\tab \up0 \expn
dtw-1\charscalex100 1,800,538\tab \up0 \expndtw-1\charscalex100 (2,462,635)\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10157\tx11133 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Commitments and contigen
cies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,622,906\t
ab \up0 \expndtw-1\charscalex100 1,440,147\tab \up0 \expndtw-1\charscalex100 1,1
34,953\tab \up0 \expndtw-1\charscalex100 625,687\tab \up0 \expndtw-1\charscalex1
00 2,833,372\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pa
rd\li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Spread ratio (D3/D1)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.20%\tab \up0 \expnd
tw-1\charscalex100 35.31%\tab \up0 \expndtw-1\charscalex100 29.42%\tab \up0 \exp
ndtw-1\charscalex100 34.48%\tab \up0 \expndtw-1\charscalex100 33.34%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net markup/interest margin (D
1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.53%\ta

b \up0 \expndtw-1\charscalex100 4.14%\tab \up0 \expndtw-1\charscalex100 3.32%\ta

b \up0 \expndtw-1\charscalex100 4.01%\tab \up0 \expndtw-1\charscalex100 4.02%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on equity (ROE)
(D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.00%\t
ab \up0 \expndtw-1\charscalex100 0.09%\tab \up0 \expndtw-1\charscalex100 9.25%\t
ab \up0 \expndtw-1\charscalex100 4.90%\tab \up0 \expndtw-1\charscalex100 5.16%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA
) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.40%\
tab \up0 \expndtw-1\charscalex100 0.04%\tab \up0 \expndtw-1\charscalex100 2.95%\
tab \up0 \expndtw-1\charscalex100 1.73%\tab \up0 \expndtw-1\charscalex100 1.90%\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8055\tx9135\tx10277\tx11357 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Non-markup/interest
income to total assets (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 4.38%\tab \up0 \expndtw-1\charscalex100 -0.36%\tab \up0 \expndtw
-1\charscalex100 -1.75%\tab \up0 \expndtw-1\charscalex100 1.55%\tab \up0 \expndt
w-1\charscalex100 0.82%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\t
x9135\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 6.Net markup/interest income(after provisions) to total assets(D5/C)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.13%\tab \up0 \expndtw
-1\charscalex100 2.68%\tab \up0 \expndtw-1\charscalex100 -0.23%\tab \up0 \expndt
w-1\charscalex100 2.61%\tab \up0 \expndtw-1\charscalex100 4.41%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Markup/interest expenses to markup
/interest income (D2/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 65.80%\tab \up0 \expndtw-1\charscalex100 64.69%\tab \up0 \expndtw-1\c
harscalex100 70.58%\tab \up0 \expndtw-1\charscalex100 65.52%\tab \up0 \expndtw-1
\charscalex100 66.66%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9
239\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
8.Admin. expenses to profit before tax. (D8/D9) (times)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 0.29\tab \up0 \expndtw-1\charscalex100 2
.02\tab \up0 \expndtw-1\charscalex100 -0.36\tab \up0 \expndtw-1\charscalex100 0.
72\tab \up0 \expndtw-1\charscalex100 0.54\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 9.Non-markup/interest expenses to total income D7/(D1+D6)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.11\tab \up0 \e
xpndtw-1\charscalex100 0.14\tab \up0 \expndtw-1\charscalex100 0.13\tab \up0 \exp
ndtw-1\charscalex100 0.14\tab \up0 \expndtw-1\charscalex100 0.15\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Admin. expenses to non-markup/inte
rest income (D8/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.20\tab \up0 \expndtw-1\charscalex100 -4.12\tab \up0 \expndtw-1\c
harscalex100 -0.65\tab \up0 \expndtw-1\charscalex100 1.10\tab \up0 \expndtw-1\ch
arscalex100 2.18\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\t
x10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 11.Ea
rning per share (D10/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0.85\tab \up0 \expndtw-1\charscalex100 0.01\tab \up0 \expndtw-1\charsca
lex100 0.99\tab \up0 \expndtw-1\charscalex100 0.54\tab \up0 \expndtw-1\charscale
x100 0.58\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmul
t0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1+C2)/C\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.63%\tab \up0 \exp
ndtw-1\charscalex100 3.20%\tab \up0 \expndtw-1\charscalex100 3.23%\tab \up0 \exp
ndtw-1\charscalex100 3.83%\tab \up0 \expndtw-1\charscalex100 1.47%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investment to total assets (C4/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41.45%\tab \up0
\expndtw-1\charscalex100 40.23%\tab \up0 \expndtw-1\charscalex100 52.40%\tab \u

p0 \expndtw-1\charscalex100 47.57%\tab \up0 \expndtw-1\charscalex100 56.44%\par\

pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Advances net of provisio
ns to total assets (C8/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 31.28%\tab \up0 \expndtw-1\charscalex100 33.00%\tab \up0 \expndtw-1\ch
arscalex100 26.81%\tab \up0 \expndtw-1\charscalex100 30.97%\tab \up0 \expndtw-1\
charscalex100 30.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8057\tx91
37\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Deposits to total assets (B3/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 9.93%\tab \up0 \expndtw-1\charscalex100 17.38%\tab \up0 \expndt
w-1\charscalex100 22.18%\tab \up0 \expndtw-1\charscalex100 28.97%\tab \up0 \expn
dtw-1\charscalex100 24.93%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx805
7\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 5.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 66.30%\tab \up0 \expndtw-1\charscalex100 63.93%\t
ab \up0 \expndtw-1\charscalex100 68.77%\tab \up0 \expndtw-1\charscalex100 64.77%
\tab \up0 \expndtw-1\charscalex100 63.50%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 6.Gross advances to deposits (C5/B3)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 321.19%\tab \up0 \expndtw-1\charscalex1
00 200.92%\tab \up0 \expndtw-1\charscalex100 141.17%\tab \up0 \expndtw-1\charsca
lex100 126.82%\tab \up0 \expndtw-1\charscalex100 143.53%\par\pard\li900\sb19\sl161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 7.Gross advances to borrowing & deposits C5/(
B2+B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49.95%\ta
b \up0 \expndtw-1\charscalex100 57.77%\tab \up0 \expndtw-1\charscalex100 47.86%\
tab \up0 \expndtw-1\charscalex100 60.25%\tab \up0 \expndtw-1\charscalex100 59.41
%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 H.Assets quality ratios\par\pard\li900\sb0\sl-161\slmult0\
fi194\tx7037\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Non-performing loan to gross advances (C6/C5)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.25%\tab \up0 \expndtw-1
\charscalex100 5.50%\tab \up0 \expndtw-1\charscalex100 14.38%\tab \up0 \expndtw1\charscalex100 17.31%\tab \up0 \expndtw-1\charscalex100 17.79%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Provision against NPLs to gross adva
nces (C7/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.9
1%\tab \up0 \expndtw-1\charscalex100 5.50%\tab \up0 \expndtw-1\charscalex100 14.
38%\tab \up0 \expndtw-1\charscalex100 15.71%\tab \up0 \expndtw-1\charscalex100 1
4.45%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\tx10217\tx11
297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to total
equity (C6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.
10%\tab \up0 \expndtw-1\charscalex100 4.66%\tab \up0 \expndtw-1\charscalex100 14
.11%\tab \up0 \expndtw-1\charscalex100 17.97%\tab \up0 \expndtw-1\charscalex100
17.30%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx1
1295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write of
f to NPLs provisions (D4/C7)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 65.71%\tab \up0 \expndtw-1\charscalex100 75.90%\tab \up0 \expndtw-1
\charscalex100 78.80%\tab \up0 \expndtw-1\charscalex100 24.17%\tab \up0 \expndtw
-1\charscalex100 -7.51%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx7983\t
x9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 5.Provision against NPL to NPLs (C7/C6)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 84.71%\tab \up0 \expndtw-1\charscalex100 100.00%\tab
\up0 \expndtw-1\charscalex100 100.00%\tab \up0 \expndtw-1\charscalex100 90.71%\
tab \up0 \expndtw-1\charscalex100 81.25%\par\pard\li900\sb15\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage
ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx1
1297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio
(A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.22%\ta
b \up0 \expndtw-1\charscalex100 41.24%\tab \up0 \expndtw-1\charscalex100 31.92%\

tab \up0 \expndtw-1\charscalex100 35.40%\tab \up0 \expndtw-1\charscalex100 36.79

%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Commitments & cont
ingencies to total equity (E5/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.35\tab \up0 \expndtw-1\charscalex100 0.20\tab \up0 \e
xpndtw-1\charscalex100 0.17\tab \up0 \expndtw-1\charscalex100 0.09\tab \up0 \exp
ndtw-1\charscalex100 0.41\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163
\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 12.15\tab \up0 \expndtw-1\charscalex100 11.66\tab \up0 \ex
pndtw-1\charscalex100 10.67\tab \up0 \expndtw-1\charscalex100 11.05\tab \up0 \ex
pndtw-1\charscalex100 11.27\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx82
23\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 4.Total deposits to total equity (B3/A) (times)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 0.29\tab \up0 \expndtw-1\charscalex100 0.4
2\tab \up0 \expndtw-1\charscalex100 0.69\tab \up0 \expndtw-1\charscalex100 0.82\
tab \up0 \expndtw-1\charscalex100 0.68\par\pard\ql \li944\sb7\sl-184\slmult0 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\
pard\li1094\sb8\sl-161\slmult0\fi0\tx7143\tx8163\tx9303\tx10383\tx11399 \dn2 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operat
ing activities to profit after tax (E4/D10) (times)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 5.80\tab \up0 \expndtw-1\charscalex100 56.40
\tab \up0 \expndtw-1\charscalex100 0.09\tab \up0 \expndtw-1\charscalex100 5.41\t
ab \up0 \expndtw-1\charscalex100 -6.89\par\pard\ql \li6127\sb0\sl-161\slmult0 \p
ar\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par
\pard\ql\li6127\sb63\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 80
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g89}{\bkmkend Pg89}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SAUDI PAK INDUSTRIAL & AGRI. INV CO. (PVT) LTD.\tab \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\par
d\li900\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 20
08\tab \up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010
\tab \up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\
tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 7,005,332\tab \up0 \expndtw-1\charscalex100 6,487,342
\tab \up0 \expndtw-1\charscalex100 7,992,320\tab \up0 \expndtw-1\charscalex100 7
,758,307\tab \up0 \expndtw-1\charscalex100 6,233,267\par\pard\li900\sb0\sl-161\s
lmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 4,000,000\tab \up0 \expndtw-1\charscalex100 5,000,
000\tab \up0 \expndtw-1\charscalex100 6,000,000\tab \up0 \expndtw-1\charscalex10
0 6,000,000\tab \up0 \expndtw-1\charscalex100 6,000,000\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 3,005,332\tab \up0 \expndtw-1\charscalex100 2,405,9
25\tab \up0 \expndtw-1\charscalex100 2,520,384\tab \up0 \expndtw-1\charscalex100
1,961,641\tab \up0 \expndtw-1\charscalex100 1,513,182\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7278\tx7950\tx9030\tx10110\tx11084 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 (9
18,583)\tab \up0 \expndtw-1\charscalex100 (528,064)\tab \up0 \expndtw-1\charscal
ex100 (203,334)\tab \up0 \expndtw-1\charscalex100 (1,279,915)\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 3,092,792\tab \up0 \expndtw-1\charscalex100 2,1
07,993\tab \up0 \expndtw-1\charscalex100 2,086,629\tab \up0 \expndtw-1\charscale
x100 1,046,117\tab \up0 \expndtw-1\charscalex100 829,249\par\pard\li900\sb39\sl155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 to B4)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,923,395\tab \up0 \expndtw-1\c
harscalex100 12,538,271\tab \up0 \expndtw-1\charscalex100 11,132,171\tab \up0 \e
xpndtw-1\charscalex100 13,178,438\tab \up0 \expndtw-1\charscalex100 10,262,203\p
ar\pard\li900\sb6\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Bills payable\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\ch
arscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6813\tx7833\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Borrowings from financial institutions\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,942,496\tab \up0 \expndtw-1\chars
calex100 10,843,443\tab \up0 \expndtw-1\charscalex100 8,160,658\tab \up0 \expndt
w-1\charscalex100 9,078,012\tab \up0 \expndtw-1\charscalex100 7,064,577\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Deposits and other accounts\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,226,536\tab \u
p0 \expndtw-1\charscalex100 1,420,000\tab \up0 \expndtw-1\charscalex100 2,635,84
8\tab \up0 \expndtw-1\charscalex100 2,858,458\tab \up0 \expndtw-1\charscalex100

1,618,222\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Other/misc
. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75
4,363\tab \up0 \expndtw-1\charscalex100 274,828\tab \up0 \expndtw-1\charscalex10
0 335,665\tab \up0 \expndtw-1\charscalex100 1,241,968\tab \up0 \expndtw-1\charsc
alex100 1,579,404\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\t
x9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Tota
l assets (C1 to C4 + C8 to C10)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 25,021,519\tab \up0 \expndtw-1\charscalex100 21,133,606\tab \up0
\expndtw-1\charscalex100 21,211,120\tab \up0 \expndtw-1\charscalex100 21,982,86
2\tab \up0 \expndtw-1\charscalex100 17,324,719\par\pard\li900\sb6\sl-161\slmult0
\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Cash and balances with treasury banks\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 510,717\tab \up0 \expndtw-1\char
scalex100 24,784\tab \up0 \expndtw-1\charscalex100 44,579\tab \up0 \expndtw-1\ch
arscalex100 41,130\tab \up0 \expndtw-1\charscalex100 56,121\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Balances with other banks\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,969,784\tab \up0 \expndtw-1\
charscalex100 1,302,617\tab \up0 \expndtw-1\charscalex100 2,538,196\tab \up0 \ex
pndtw-1\charscalex100 286,434\tab \up0 \expndtw-1\charscalex100 193,655\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10158\tx11238 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Lending to financial institu
tions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,995,000\
tab \up0 \expndtw-1\charscalex100 1,335,000\tab \up0 \expndtw-1\charscalex100 2,
083,871\tab \up0 \expndtw-1\charscalex100 431,258\tab \up0 \expndtw-1\charscalex
100 171,111\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1005
3\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Investme
nts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,907,620\ta
b \up0 \expndtw-1\charscalex100 8,602,574\tab \up0 \expndtw-1\charscalex100 7,40
3,287\tab \up0 \expndtw-1\charscalex100 7,177,103\tab \up0 \expndtw-1\charscalex
100 5,101,879\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx99
93\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Gross a
dvances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,014,02
1\tab \up0 \expndtw-1\charscalex100 8,176,268\tab \up0 \expndtw-1\charscalex100
7,594,930\tab \up0 \expndtw-1\charscalex100 12,130,998\tab \up0 \expndtw-1\chars
calex100 10,870,638\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.
Advances-non-performing/classified\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1,330,609\tab \up0 \expndtw-1\charscalex100 2,600,657\tab \up
0 \expndtw-1\charscalex100 2,619,486\tab \up0 \expndtw-1\charscalex100 2,828,882
\tab \up0 \expndtw-1\charscalex100 3,006,985\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 7.Provisions against advances\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,268,390\tab \up0 \expndtw-1\charscalex100
1,871,691\tab \up0 \expndtw-1\charscalex100 1,985,406\tab \up0 \expndtw-1\chars
calex100 2,773,949\tab \up0 \expndtw-1\charscalex100 3,477,362\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Advances net of provisions (C5-C7)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,745,631\tab \up0
\expndtw-1\charscalex100 6,304,577\tab \up0 \expndtw-1\charscalex100 5,609,524\
tab \up0 \expndtw-1\charscalex100 9,357,049\tab \up0 \expndtw-1\charscalex100 7,
393,276\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Fixed assets
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,432,780\tab \
up0 \expndtw-1\charscalex100 2,369,627\tab \up0 \expndtw-1\charscalex100 2,282,3
13\tab \up0 \expndtw-1\charscalex100 2,448,286\tab \up0 \expndtw-1\charscalex100
2,321,846\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053
\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 10.Other/mi
sc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,459

,987\tab \up0 \expndtw-1\charscalex100 1,194,427\tab \up0 \expndtw-1\charscalex1

00 1,249,350\tab \up0 \expndtw-1\charscalex100 2,241,602\tab \up0 \expndtw-1\cha
rscalex100 2,086,831\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\
sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Markup/interest earned\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,300,002\tab \up0 \expndtw
-1\charscalex100 1,946,874\tab \up0 \expndtw-1\charscalex100 1,870,370\tab \up0
\expndtw-1\charscalex100 1,728,226\tab \up0 \expndtw-1\charscalex100 1,479,941\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.markup/interest exp
ensed\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,304,677\
tab \up0 \expndtw-1\charscalex100 1,711,056\tab \up0 \expndtw-1\charscalex100 1,
428,082\tab \up0 \expndtw-1\charscalex100 1,399,433\tab \up0 \expndtw-1\charscal
ex100 1,173,520\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7004\tx7998\tx9078\tx
10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Net
markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 (4,674)\tab \up0 \expndtw-1\charscalex100 235,818\tab \up0 \expndtw-1\c
harscalex100 442,288\tab \up0 \expndtw-1\charscalex100 328,793\tab \up0 \expndtw
-1\charscalex100 306,421\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Provisions and write-offs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 464,963\tab \up0 \expndtw-1\charscalex100 643,119\tab \up0 \expnd
tw-1\charscalex100 571,641\tab \up0 \expndtw-1\charscalex100 212,552\tab \up0 \e
xpndtw-1\charscalex100 719,171\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\t
x7998\tx9030\tx10158\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 5.Net markup/interest income after provisions\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 (469,638)\tab \up0 \expndtw-1\charscale
x100 407,302\tab \up0 \expndtw-1\charscalex100 (129,353)\tab \up0 \expndtw-1\cha
rscalex100 116,241\tab \up0 \expndtw-1\charscalex100 (412,750)\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx10170\tx11238 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Non-markup/interest income\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 677,432\tab \up0 \expndt
w-1\charscalex100 6,950,333\tab \up0 \expndtw-1\charscalex100 730,913\tab \up0 \
expndtw-1\charscalex100 (16,197)\tab \up0 \expndtw-1\charscalex100 136,865\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx10158\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Non-markup/interest exp
enses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 173,346\ta
b \up0 \expndtw-1\charscalex100 2,134,384\tab \up0 \expndtw-1\charscalex100 196,
267\tab \up0 \expndtw-1\charscalex100 374,212\tab \up0 \expndtw-1\charscalex100
1,471,800\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Administra
tive expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17
3,089\tab \up0 \expndtw-1\charscalex100 184,006\tab \up0 \expndtw-1\charscalex10
0 196,267\tab \up0 \expndtw-1\charscalex100 359,004\tab \up0 \expndtw-1\charscal
ex100 337,031\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7893\tx9078\tx10
110\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit
/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 34,448\tab \up0 \expndtw-1\charscalex100 4,408,648\tab \up0 \expndtw-1\c
harscalex100 405,193\tab \up0 \expndtw-1\charscalex100 (274,167)\tab \up0 \expnd
tw-1\charscalex100 (1,747,686)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\t
x7893\tx9078\tx10110\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 10.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 54,353\tab \up0 \expndtw-1\charscalex100 4,426,613\tab
\up0 \expndtw-1\charscalex100 418,904\tab \up0 \expndtw-1\charscalex100 (434,030
)\tab \up0 \expndtw-1\charscalex100 (2,042,565)\par\pard\li900\sb14\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other item
s\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary sha
res\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 400,000\tab

\up0 \expndtw-1\charscalex100 500,000\tab \up0 \expndtw-1\charscalex100 600,000\

tab \up0 \expndtw-1\charscalex100 600,000\tab \up0 \expndtw-1\charscalex100 600,
000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx1132
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx9030\tx10004\tx11084 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating acti
vities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,954,674
\tab \up0 \expndtw-1\charscalex100 5,508,473\tab \up0 \expndtw-1\charscalex100 (
809,416)\tab \up0 \expndtw-1\charscalex100 (2,147,613)\tab \up0 \expndtw-1\chars
calex100 (1,979,145)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5
.Commitments and contigencies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 6,557,382\tab \up0 \expndtw-1\charscalex100 6,377,528\tab \up0 \ex
pndtw-1\charscalex100 6,270,668\tab \up0 \expndtw-1\charscalex100 5,590,225\tab
\up0 \expndtw-1\charscalex100 3,344,230\par\pard\li900\sb14\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/
profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6975\tx8058\tx913
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Spread ratio (D3/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 -0.36%\tab \up0 \expndtw-1\charscalex100 12.11%\tab \up0 \expndtw-1\charsca
lex100 23.65%\tab \up0 \expndtw-1\charscalex100 19.02%\tab \up0 \expndtw-1\chars
calex100 20.70%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8118\tx9198\tx
10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net
markup/interest margin (D1-D2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 -0.02%\tab \up0 \expndtw-1\charscalex100 1.12%\tab \up0 \expn
dtw-1\charscalex100 2.09%\tab \up0 \expndtw-1\charscalex100 1.50%\tab \up0 \expn
dtw-1\charscalex100 1.77%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8058
\tx9198\tx10215\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Return on equity (ROE) (D10/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.78%\tab \up0 \expndtw-1\charscalex100 68.23%\tab \up0 \ex
pndtw-1\charscalex100 5.24%\tab \up0 \expndtw-1\charscalex100 -5.59%\tab \up0 \e
xpndtw-1\charscalex100 -32.77%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\t
x8058\tx9198\tx10215\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Return on assets (ROA) (D10/C)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.22%\tab \up0 \expndtw-1\charscalex100 20.95%\tab \up
0 \expndtw-1\charscalex100 1.97%\tab \up0 \expndtw-1\charscalex100 -1.97%\tab \u
p0 \expndtw-1\charscalex100 -11.79%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
038\tx8058\tx9198\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 5.Non-markup/interest income to total assets (D6/C)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.71%\tab \up0 \expndtw-1\ch
arscalex100 32.89%\tab \up0 \expndtw-1\charscalex100 3.45%\tab \up0 \expndtw-1\c
harscalex100 -0.07%\tab \up0 \expndtw-1\charscalex100 0.79%\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6975\tx8118\tx9135\tx10278\tx11295 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 6.Net markup/interest income(after provi
sions) to total assets(D5/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 -1.88%\tab \up0 \expndtw-1\charscalex100 1.93%\tab \up0 \expndtw-1\
charscalex100 -0.61%\tab \up0 \expndtw-1\charscalex100 0.53%\tab \up0 \expndtw-1
\charscalex100 -2.38%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx8058\tx9
138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
7.Markup/interest expenses to markup/interest income (D2/D1)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100.36%\tab \up0 \expndtw-1\cha
rscalex100 87.89%\tab \up0 \expndtw-1\charscalex100 76.35%\tab \up0 \expndtw-1\c

harscalex100 80.98%\tab \up0 \expndtw-1\charscalex100 79.30%\par\pard\li900\sb19

\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10320\tx11400 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 8.Admin. expenses to profit before tax. (
D8/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5
.02\tab \up0 \expndtw-1\charscalex100 0.04\tab \up0 \expndtw-1\charscalex100 0.4
8\tab \up0 \expndtw-1\charscalex100 -1.31\tab \up0 \expndtw-1\charscalex100 -0.1
9\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Non-markup/interes
t expenses to total income D7/(D1+D6)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.09\tab \up0 \expndtw-1\charscalex100 0.24\tab \up0 \ex
pndtw-1\charscalex100 0.08\tab \up0 \expndtw-1\charscalex100 0.22\tab \up0 \expn
dtw-1\charscalex100 0.91\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\
tx9303\tx10244\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 10.Admin. expenses to non-markup/interest income (D8/D6) (times)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.26\tab \up0 \expndtw-1\c
harscalex100 0.03\tab \up0 \expndtw-1\charscalex100 0.27\tab \up0 \expndtw-1\cha
rscalex100 -22.16\tab \up0 \expndtw-1\charscalex100 2.46\par\pard\li900\sb19\sl161\slmult0\fi194\tx7143\tx8223\tx9303\tx10320\tx11400 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 11.Earning per share (D10/E1)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.14\tab \up0 \expndtw-1\charsc
alex100 8.85\tab \up0 \expndtw-1\charscalex100 0.70\tab \up0 \expndtw-1\charscal
ex100 -0.72\tab \up0 \expndtw-1\charscalex100 -3.40\par\pard\li900\sb14\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquid
ity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10278\
tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cas
h equivalent to total assets (C1+C2)/C\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 9.91%\tab \up0 \expndtw-1\charscalex100 6.28%\tab \up0 \e
xpndtw-1\charscalex100 12.18%\tab \up0 \expndtw-1\charscalex100 1.49%\tab \up0 \
expndtw-1\charscalex100 1.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Investment to total assets (C4/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 39.60%\tab \up0 \expndtw-1\charscalex100 40.71%\tab
\up0 \expndtw-1\charscalex100 34.90%\tab \up0 \expndtw-1\charscalex100 32.65%\ta
b \up0 \expndtw-1\charscalex100 29.45%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Advances net of provisions to total assets (C8/C)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26.96%\tab \up0 \expndtw-1\
charscalex100 29.83%\tab \up0 \expndtw-1\charscalex100 26.45%\tab \up0 \expndtw1\charscalex100 42.57%\tab \up0 \expndtw-1\charscalex100 42.67%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8118\tx9138\tx10218\tx11358 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Deposits to total assets (B3/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.89%\tab \up0 \exp
ndtw-1\charscalex100 6.72%\tab \up0 \expndtw-1\charscalex100 12.43%\tab \up0 \ex
pndtw-1\charscalex100 13.00%\tab \up0 \expndtw-1\charscalex100 9.34%\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Total liabilities to total asse
ts (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 59.64%\
tab \up0 \expndtw-1\charscalex100 59.33%\tab \up0 \expndtw-1\charscalex100 52.48
%\tab \up0 \expndtw-1\charscalex100 59.95%\tab \up0 \expndtw-1\charscalex100 59.
23%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx1122
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Gross advances t
o deposits (C5/B3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 189.61%\tab \up0 \expndtw-1\charscalex100 575.79%\tab \up0 \expndtw-1\charsca
lex100 288.14%\tab \up0 \expndtw-1\charscalex100 424.39%\tab \up0 \expndtw-1\cha
rscalex100 671.76%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.G
ross advances to borrowing & deposits C5/(B2+B3)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 56.56%\tab \up0 \expndtw-1\charscalex100 66.67%
\tab \up0 \expndtw-1\charscalex100 70.35%\tab \up0 \expndtw-1\charscalex100 101.
63%\tab \up0 \expndtw-1\charscalex100 125.20%\par\pard\li900\sb15\sl-184\slmult0

\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Assets quali

ty ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-perform
ing loan to gross advances (C6/C5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 16.60%\tab \up0 \expndtw-1\charscalex100 31.81%\tab \up0 \exp
ndtw-1\charscalex100 34.49%\tab \up0 \expndtw-1\charscalex100 23.32%\tab \up0 \e
xpndtw-1\charscalex100 27.66%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Provision against NPLs to gross advances (C7/C5)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 15.83%\tab \up0 \expndtw-1\charscalex
100 22.89%\tab \up0 \expndtw-1\charscalex100 26.14%\tab \up0 \expndtw-1\charscal
ex100 22.87%\tab \up0 \expndtw-1\charscalex100 31.99%\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 3.NPLs to total equity (C6/A)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18.99%\tab \up0 \expndtw-1\charsca
lex100 40.09%\tab \up0 \expndtw-1\charscalex100 32.78%\tab \up0 \expndtw-1\chars
calex100 36.46%\tab \up0 \expndtw-1\charscalex100 48.24%\par\pard\li900\sb19\sl161\slmult0\fi194\tx6978\tx8058\tx9138\tx10278\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.NPLs write off to NPLs provisions (D4/C7)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 36.66%\tab \up0 \
expndtw-1\charscalex100 34.36%\tab \up0 \expndtw-1\charscalex100 28.79%\tab \up0
\expndtw-1\charscalex100 7.66%\tab \up0 \expndtw-1\charscalex100 20.68%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11223 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Provision against NPL to NP
Ls (C7/C6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 95.
32%\tab \up0 \expndtw-1\charscalex100 71.97%\tab \up0 \expndtw-1\charscalex100 7
5.79%\tab \up0 \expndtw-1\charscalex100 98.06%\tab \up0 \expndtw-1\charscalex100
115.64%\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 I.Capital /leverage ratios\par\pard\li900\sb0\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 28.00%\tab \up0 \expndtw-1\charscalex100
30.70%\tab \up0 \expndtw-1\charscalex100 37.68%\tab \up0 \expndtw-1\charscalex10
0 35.29%\tab \up0 \expndtw-1\charscalex100 35.98%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 2.Commitments & contingencies to total equity (E5/A)
(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.94\ta
b \up0 \expndtw-1\charscalex100 0.98\tab \up0 \expndtw-1\charscalex100 0.78\tab
\up0 \expndtw-1\charscalex100 0.72\tab \up0 \expndtw-1\charscalex100 0.54\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Break up value per share (
A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17.51\tab
\up0 \expndtw-1\charscalex100 12.97\tab \up0 \expndtw-1\charscalex100 13.32\tab
\up0 \expndtw-1\charscalex100 12.93\tab \up0 \expndtw-1\charscalex100 10.39\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total deposits to total
equity (B3/A) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.60\tab \up0 \expndtw-1\charscalex100 0.22\tab \up0 \expndtw-1\charscalex
100 0.33\tab \up0 \expndtw-1\charscalex100 0.37\tab \up0 \expndtw-1\charscalex10
0 0.26\par\pard\ql \li944\sb7\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 J.Cash flow ratio \par\pard\li1094\sb8\sl-161\slmult0\f
i0\tx7083\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosup
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ax (E4/D10) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 35.96\tab \up0 \expndtw-1\charscalex100 1.24\tab \up0 \expndtw-1\charscalex1
00 -1.93\tab \up0 \expndtw-1\charscalex100 4.95\tab \up0 \expndtw-1\charscalex10
0 0.97\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slm
ult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb63\sl-161\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 81
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8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002

8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a0028a28a002
8a28a0028a28a0028a28a0028a28a0028a28a00fffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg9
0}{\bkmkend Pg90}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\
slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0\f
i0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial S
tatement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-310\slmult0 \par\pard\ql\li1
728\sb0\sl-310\slmult0 \par\pard\ql\li1728\sb9\sl-310\slmult0 \up0 \expndtw0\cha
rscalex100 \ul0\nosupersub\cf22\f23\fs32 L\ul0\nosupersub\cf23\f24\fs26 EASING \
ul0\nosupersub\cf22\f23\fs32 C\ul0\nosupersub\cf23\f24\fs26 OMPANIES \par\pard\q
l \li1728\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb0\sl-218\slmult0 \par\pard\ql
\li1728\sb71\sl-218\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f3
0\fs24 P\ul0\nosupersub\cf42\f43\fs19 ERFORMANCE AT A \ul0\nosupersub\cf29\f30\f
s24 G\ul0\nosupersub\cf42\f43\fs19 LANCE \par\pard\qj \li1728\ri1262\sb49\sl-380
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Outlook of
leasing sector in the country has not been encouraging during FY11. Asset base d
ecreased \line \up0 \expndtw0\charscalex102 by 9.5 percent over the period, from
Rs 37.1 billion in FY10 to Rs 33.5 billion in FY11. The sector \line \up0 \expn
dtw0\charscalex102 showed profits before and after taxation of Rs.176.2 million
& Rs.64.7 million respectively during \line \up0 \expndtw-3\charscalex100 FY11.\
par\pard\sect\sectd\sbknone\cols2\colno1\colw6686\colsr160\colno2\colw5254\colsr
160\ql \li1728\ri533\sb172\sl-460\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosu

persub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF \ul0\nosupersub\c

f29\f30\fs24 S\ul0\nosupersub\cf42\f43\fs19 HAREHOLDERS\ul0\nosupersub\cf29\f30\
fs24 \u8217? E\ul0\nosupersub\cf42\f43\fs19 QUITY \line \up0 \expndtw0\charscale
x107 \ul0\nosupersub\cf25\f26\fs22 The shareholders\u8217? equity of leasing
sector\par\pard\column \ql \li7603\sb0\sl-241\slmult0 \par\pard\ql \li7603\sb0
\sl-241\slmult0 \par\pard\ql \li777\sb12\sl-241\slmult0 \up0 \expndtw-9\charscal
ex100 \ul0\nosupersub\cf96\f97\fs21 Shareholder's Equity\par\pard\ql \li700\sb55
\sl-172\slmult0\tx1769\tx2832 \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf94
\f95\fs15 FY 10\tab \up0 \expndtw-5\charscalex100 FY 11\tab \up0 \expndtw-5\char
scalex100 Growth%\par\pard\ql \li20\sb0\sl-135\slmult0\tx3338 \up0 \expndtw-4\ch
arscalex100 6.0\tab \up0 \expndtw-2\charscalex100 80%\par\pard\ql \li699\sb4\sl163\slmult0\tx1218 \up0 \expndtw-4\charscalex100 4.6\tab \up0 \expndtw-4\charsca
lex100 4.8\par\pard\sect\sectd\sbknone\cols3\colno1\colw7599\colsr40\colno2\colw
1769\colsr60\colno3\colw2642\colsr160\ql \li6846\sb0\sl-133\slmult0\tx7315 \up0
\expndtw-4\charscalex100 \ul0\nosupersub\cf95\f96\fs15 5.0\tab \up0 \expndtw-4\c
harscalex100 \ul0\nosupersub\cf94\f95\fs15 4.3\par\pard\ql \li1728\sb0\sl-198\sl
mult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 increased by 7
.9 percent in FY11, increased from\par\pard\ql \li6846\sb0\sl-135\slmult0 \up0 \
expndtw-4\charscalex100 \ul0\nosupersub\cf95\f96\fs15 4.0\par\pard\ql \li1728\sb
0\sl-198\slmult0\tx6841 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\f
s22 Rs 4.3 billion in FY10 to Rs 4.6 billion in FY11.\tab \up0 \expndtw-5\charsc
alex100 \ul0\nosupersub\cf94\f95\fs15 3.0\par\pard\ql \li6846\sb0\sl-135\slmult0
\up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf95\f96\fs15 2.0\par\pard\ql \li
1728\sb0\sl-162\slmult0\tx6841 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf25
\f26\fs22 Increase was also noted in reserves, which\tab \up0 \expndtw-5\c
harscalex100 \ul0\nosupersub\cf94\f95\fs15 1.0\par\pard\ql \li1728\sb103\sl-253\
slmult0\tx6841 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf25\f26\fs22 increa
sed by 62.9 percent in FY11, from Rs 1.3\tab \up0 \expndtw-5\charscalex100 \ul0\
nosupersub\cf95\f96\fs15 0.0\par\pard\ql \li6804\sb1\sl-142\slmult0\tx7437 \up0
\expndtw-4\charscalex100 -1.0\tab \up0 \expndtw-5\charscalex100 \ul0\nosupersub\
cf94\f95\fs15 TE\par\pard\ql \li1728\sb1\sl-233\slmult0\tx6799 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf25\f26\fs22 billion in FY10 to Rs 2.0 billion in
FY11.\tab \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf94\f95\fs15 -2.0\par\p
ard\ql \li6804\sb64\sl-172\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosupersub
\cf95\f96\fs15 -3.0\par\pard\ql \li1728\sb104\sl-276\slmult0 \up0 \expndtw0\char
scalex101 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS O
F \ul0\nosupersub\cf29\f30\fs24 L\ul0\nosupersub\cf42\f43\fs19 IABILITIES\par\pa
rd\column \ql \li626\sb0\sl-135\slmult0 \up0 \expndtw-4\charscalex100 \ul0\nosup
ersub\cf94\f95\fs15 4.3\par\pard\ql \li1463\sb0\sl-126\slmult0 \up0 \expndtw-2\c
harscalex100 63%\par\pard\ql \li1346\sb163\sl-172\slmult0 \up0 \expndtw-4\charsc
alex100 2.0\par\pard\ql \li1140\sb12\sl-172\slmult0 \up0 \expndtw-4\charscalex10
0 \ul0\nosupersub\cf95\f96\fs15 1.3\par\pard\ql \li7639\sb0\sl-172\slmult0 \par\
pard\ql \li7639\sb0\sl-172\slmult0 \par\pard\ql \li20\sb60\sl-172\slmult0 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf94\f95\fs15 8%\par\pard\ql \li543\sb0\
sl-133\slmult0\tx1257 \up0 \expndtw-3\charscalex100 SC\tab \up0 \expndtw-4\chars
calex100 RV\par\pard\ql \li744\sb75\sl-172\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf95\f96\fs15 -10%\par\pard\column \ql \li721\sb85\sl-172\slmul
t0 \up0 \expndtw-2\charscalex100 60%\par\pard\ql \li10159\sb0\sl-172\slmult0 \pa
r\pard\ql \li721\sb74\sl-172\slmult0 \up0 \expndtw-2\charscalex100 40%\par\pard\
ql \li10159\sb0\sl-172\slmult0 \par\pard\ql \li721\sb74\sl-172\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf94\f95\fs15 20%\par\pard\ql \li9560\sb0\s
l-172\slmult0 \par\pard\ql \li122\sb5\sl-172\slmult0\tx722 \up0 \expndtw-5\chars
calex100 UPL \up0 \expndtw-2\charscalex100 2%\tab \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf95\f96\fs15 0%\par\pard\ql \li1728\sb0\sl-172\slmult0 \par\par
d\ql \li20\sb35\sl-172\slmult0 \up0 \expndtw-4\charscalex100 -1.8 \up0 \expndtw4\charscalex100 \ul0\nosupersub\cf94\f95\fs15 -1.7\par\pard\ql \li721\sb0\sl-133
\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf95\f96\fs15 -20%\par\pa
rd\sect\sectd\sbknone\cols2\colno1\colw6323\colsr160\colno2\colw5617\colsr160\ql
\li1728\sb229\sl-253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25
\f26\fs22 Total liabilities decreased from Rs.32.7 billion in\par\pard\qj \li172

8\ri157\sb22\sl-379\slmult0 \up0 \expndtw0\charscalex102 FY10 to Rs. 28.7 billio

n showing a decrease of \up0 \expndtw0\charscalex107 12.3 percent during FY11
. The long term \up0 \expndtw0\charscalex106 liabilities comprises of b
orrowings from \up0 \expndtw0\charscalex100 financial and other institutions (
BFI), deposit on \up0 \expndtw-1\charscalex100 finance lease \up0 \expndtw0\cha
rscalex100 (DFL) and other miscellaneous\par\pard\column \ql \li6483\sb0\sl-1
84\slmult0 \par\pard\ql \li6483\sb0\sl-184\slmult0 \par\pard\ql \li447\sb30\sl-1
84\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf92\f93\fs16 Compositio
n of item of non-current liabilities\par\pard\ql \li3781\sb117\sl-172\slmult0 \u
p0 \expndtw-3\charscalex100 \ul0\nosupersub\cf93\f94\fs15 Billion Rs\par\pard\ql
\li6483\sb0\sl-149\slmult0 \par\pard\ql \li20\sb20\sl-149\slmult0\tx4105 \up0 \
expndtw0\charscalex102 \ul0\nosupersub\cf91\f92\fs13 100%\tab \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf90\f91\fs13 MISC\par\pard\ql \li1134\sb0\sl-133\sl
mult0 \up0 \expndtw0\charscalex100 5.8(34%)\par\pard\ql \li85\sb0\sl-117\slmult0
\tx2444 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf91\f92\fs13 80%\tab \up0
\expndtw0\charscalex100 6.8(47%)\par\pard\ql \li6548\sb0\sl-149\slmult0 \par\par
d\ql \li85\sb34\sl-149\slmult0 \up0 \expndtw0\charscalex102 60%\par\pard\ql \li1
093\sb0\sl-144\slmult0\tx4105 \up0 \expndtw0\charscalex101 6.3(37%)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf90\f91\fs13 DFL\par\pard\ql \li85\sb41\s
l-149\slmult0\tx2444 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf91\f92\fs13
40%\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf90\f91\fs13 4.6(32%)\par\
pard\ql \li6548\sb0\sl-149\slmult0 \par\pard\ql \li85\sb35\sl-149\slmult0\tx1084
\up0 \expndtw0\charscalex102 \ul0\nosupersub\cf91\f92\fs13 20%\tab \up0 \expndt
w0\charscalex101 \ul0\nosupersub\cf90\f91\fs13 5.0(29%)\par\pard\sect\sectd\sbkn
one\cols2\colno1\colw6464\colsr160\colno2\colw5476\colsr160\qj \li1728\ri302\sb0
\sl-379\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 liab
ilities (MISC). The composition of BFI, DFL \up0 \expndtw0\charscalex101 and MI
SC was 20.5, \up0 \expndtw0\charscalex101 32.4 and \up0 \expndtw-1\charscalex
100 47.1 percent\par\pard\column \ql \li2285\sb0\sl-117\slmult0\tx3964 \up0 \ex
pndtw0\charscalex100 \ul0\nosupersub\cf90\f91\fs13 3.0(21%)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf91\f92\fs13 BFI\par\pard\ql \li20\sb68\sl-149\sl
mult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf90\f91\fs13 0%\par\pard\ql
\li841\sb19\sl-149\slmult0\tx2206 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf91\f92\fs13 FY 10\tab \up0 \expndtw-1\charscalex100 FY 11 \par\pard\sect\sectd
\sbknone \ql \li1728\sb28\sl-253\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf25\f26\fs22 respectively of non-current liabilities for the year FY11. B
FI decreased from Rs 5.0 billion to Rs 3.0 \par\pard\qj \li1728\ri1250\sb23\sl-3
80\slmult0 \up0 \expndtw0\charscalex103 billion in FY11. Similarly, DFL decrease
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alex100 showing a decline of 26.3 percent in FY11. \par\pard\ql \li6085\sb0\sl-2
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28

a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2803fffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg91}{\bkmken
d Pg91}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\slmult0\pa
r\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0\fi0\tx10125
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement A
nalysis of Financial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
8\f9\fs16 2011\par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1252
\sb92\sl-380\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22
Current liabilities were Rs 15.6 billion in FY10, and Rs 14.2 billion in FY11,
showing a decline of 8.5 \up0 \expndtw0\charscalex100 percent. The ratios of cur
rent liabilities to total liabilities in FY10 and FY11 have been 47.6 and 49.7 \
up0 \expndtw-3\charscalex100 percents indicating an increase in FY11. \par\pard\
ql \li1781\sb0\sl-218\slmult0 \par\pard\ql\li1781\sb136\sl-218\slmult0 \up0 \exp
ndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19
NALYSIS OF \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 SSETS\p
ar\pard\sect\sectd\sbknone\cols2\colno1\colw6392\colsr160\colno2\colw5548\colsr1
60\ql \li1728\sb233\sl-253\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf25\f26\fs22 Total assets of leasing sector were Rs \up0 \expndtw-4\char
scalex100 33.5\par\pard\qj \li1728\ri368\sb22\sl-379\slmult0 \up0 \expndtw0\char
scalex105 billion in FY11 as against Rs 37.1 billion in \line \up0 \expndtw0\ch
arscalex103 FY10, showing a decline of 9.5 percent over \line \up0 \expndtw0\ch
arscalex105 the previous year. Net investment in finance \line \up0 \expndtw0\ch
arscalex101 lease contributed 74.2 percent of Non-current \line \up0 \expndtw0\
charscalex100 assets in FY11; showing a decrease of \up0 \expndtw-4\charsc
alex100 1.7\par\pard\qj \li1728\ri368\sb1\sl-379\slmult0 \up0 \expndtw-3\charsca
lex100 percent to reach Rs 13.0 billion in FY11 from \line \up0 \expndtw-1\c

harscalex100 Rs 13.2 billion in FY10. Fixed assets \up0 \expndtw-4\charsca

lex100 (FA)\par\pard\column \ql \li7771\sb0\sl-218\slmult0 \par\pard\ql \li1239\
sb34\sl-218\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf99\f100\fs19
Non Current Assets\par\pard\ql \li737\sb61\sl-149\slmult0\tx1800\tx2857 \up0 \e
xpndtw0\charscalex100 \ul0\nosupersub\cf98\f99\fs13 FY 10\tab \up0 \expndtw0\cha
rscalex100 FY 11\tab \up0 \expndtw-1\charscalex100 Growth%\par\pard\ql \li20\sb1
9\sl-149\slmult0\tx465\tx3719 \up0 \expndtw0\charscalex101 20\tab \up0 \expndtw0
\charscalex101 \ul0\nosupersub\cf97\f98\fs13 17.7\tab \up0 \expndtw0\charscalex1
01 \ul0\nosupersub\cf98\f99\fs13 3%\par\pard\ql \li20\sb37\sl-149\slmult0\tx700\
tx3719 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf97\f98\fs13 18\tab \up0 \e
xpndtw0\charscalex101 17.4\tab \up0 \expndtw0\charscalex101 2%\par\pard\ql \li20
\sb0\sl-139\slmult0\tx3310 \up0 \expndtw0\charscalex101 16\tab \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf98\f99\fs13 2%\par\pard\ql \li20\sb39\sl-149\slmul
t0\tx1289\tx3719 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf97\f98\fs13 14\t
ab \up0 \expndtw0\charscalex101 13.2 \up0 \expndtw0\charscalex101 13.0\tab \up0
\expndtw0\charscalex101 \ul0\nosupersub\cf98\f99\fs13 1%\par\pard\ql \li20\sb38\
sl-149\slmult0\tx3719 \up0 \expndtw0\charscalex101 12\tab \up0 \expndtw0\charsca
lex101 \ul0\nosupersub\cf97\f98\fs13 0%\par\pard\ql \li20\sb37\sl-149\slmult0\tx
838\tx3720 \up0 \expndtw0\charscalex101 10\tab \up0 \expndtw0\charscalex100 -1%\
tab \up0 \expndtw0\charscalex100 -1%\par\pard\ql \li86\sb38\sl-149\slmult0\tx166
2\tx3720 \up0 \expndtw-1\charscalex100 8\tab \up0 \expndtw0\charscalex100 -2%\ta
b \up0 \expndtw0\charscalex100 -2%\par\pard\ql \li86\sb0\sl-139\slmult0 \up0 \ex
pndtw-1\charscalex100 6\par\pard\ql \li2963\sb11\sl-149\slmult0\tx3203\tx3720 \u
p0 \expndtw0\charscalex100 2.9\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf98\f99\fs13 2.9\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf97\f98\fs13
-3%\par\pard\ql \li86\sb0\sl-117\slmult0 \up0 \expndtw-1\charscalex100 4\par\pa
rd\ql \li86\sb0\sl-117\slmult0\tx2144\tx2379\tx3720 \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf98\f99\fs13 2\tab \up0 \expndtw0\charscalex100 \ul0\nosupers
ub\cf97\f98\fs13 1.6\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf98\f99\f
s13 1.6 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf97\f98\fs13 -4%\tab \up0
\expndtw0\charscalex100 -4%\par\pard\ql \li86\sb18\sl-149\slmult0\tx3720 \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw0\charscalex100 -5%\par\pard\ql \li577
\sb23\sl-149\slmult0\tx1407\tx2282\tx3034 \up0 \expndtw-1\charscalex100 NCA\tab
\up0 \expndtw-2\charscalex100 NIFL\tab \up0 \expndtw-1\charscalex100 FA\tab \up0
\expndtw-1\charscalex100 MISC \par\pard\sect\sectd\sbknone \qj \li1728\ri1259\s
b27\sl-380\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 co
mprise 9.0 percent of non-current assets and other/miscellaneous assets had 16.8
percent of non-\line \up0 \expndtw-3\charscalex100 current assets in FY11. FA d
eclined by 4.2 percent while other/miscellaneous increased by 1.8 percent \line
\up0 \expndtw-4\charscalex100 in FY11. \par\pard\ql \li1728\sb0\sl-253\slmult0 \
par\pard\ql\li1728\sb52\sl-253\slmult0 \up0 \expndtw0\charscalex100 Current asse
ts (CA) were Rs 19.4 billion in\par\pard\sect\sectd\sbknone\cols3\colno1\colw6
347\colsr160\colno2\colw2762\colsr160\colno3\colw2681\colsr160\ql \li1728\sb146\
sl-253\slmult0 \up0 \expndtw0\charscalex101 FY10 and decreased by 17.0 percent t
o reach\par\pard\qj \li1728\ri409\sb22\sl-379\slmult0 \up0 \expndtw0\charscalex1
01 Rs 16.1 billion in FY11. CA constituted 48.0 \line \up0 \expndtw0\charscalex1
07 percent of total assets in FY11 which were \line \up0 \expndtw0\charscalex103
52.3 percent of total assets in FY10. Current \line \up0 \expndtw0\charscalex10
2 assets comprise of cash and cash equivalents \line \up0 \expndtw0\charscalex10
0 (CCE) and other/ misc. current assets (OCA). \line \up0 \expndtw0\charscalex10
2 Cash and balances with treasury banks, term \line \up0 \expndtw0\charscalex104
deposit certificates and other money market\par\pard\column \ql \li1308\sb76\sl
-230\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf102\f103\fs20 Curre
nt Assets\par\pard\ql \li6507\sb0\sl-161\slmult0 \par\pard\ql \li6507\sb0\sl-161
\slmult0 \par\pard\ql \li20\sb69\sl-161\slmult0 \up0 \expndtw0\charscalex100 \ul
0\nosupersub\cf100\f101\fs14 20.0\par\pard\ql \li34\sb101\sl-161\slmult0 \up0 \e
xpndtw0\charscalex100 \ul0\nosupersub\cf101\f102\fs14 15.0\par\pard\ql \li46\sb9
7\sl-161\slmult0\tx604\tx1131 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf100
\f101\fs14 10.0\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf101\f102\fs14
19.4\tab \up0 \expndtw0\charscalex100 16.1\par\pard\ql \li127\sb92\sl-161\slmul

t0 \up0 \expndtw-1\charscalex100 5.0\par\pard\ql \li1976\sb8\sl-161\slmult0\tx24

57 \up0 \expndtw-1\charscalex100 1.6\tab \up0 \expndtw0\charscalex100 17.0\par\p
ard\ql \li139\sb0\sl-126\slmult0\tx1476 \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf100\f101\fs14 0.0\tab \up0 \expndtw-1\charscalex100 2.4\par\pard\ql \li3
69\sb0\sl-133\slmult0 \up0 \expndtw-1\charscalex100 CA\par\pard\ql \li1163\sb92\
sl-161\slmult0 \up0 \expndtw-1\charscalex100 CCA\par\pard\ql \li2166\sb133\sl-16
1\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf101\f102\fs14 OCA\par\p
ard\column \ql \li10284\sb0\sl-161\slmult0 \par\pard\ql \li10284\sb0\sl-161\slmu
lt0 \par\pard\ql \li10284\sb0\sl-161\slmult0 \par\pard\ql \li10284\sb0\sl-161\sl
mult0 \par\pard\ql \li10284\sb0\sl-161\slmult0 \par\pard\ql \li10284\sb0\sl-161\
slmult0 \par\pard\ql \li10284\sb0\sl-161\slmult0 \par\pard\ql \li10284\sb0\sl-16
1\slmult0 \par\pard\ql \li885\sb82\sl-161\slmult0 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf100\f101\fs14 FY 10\par\pard\ql \li20\sb0\sl-146\slmult0 \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf101\f102\fs14 14.5\par\pard\ql \li885\
sb0\sl-126\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf100\f101\fs14
FY 11 \par\pard\sect\sectd\sbknone \qj \li1728\ri1254\sb29\sl-380\slmult0 \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 placements, have shown ne
gative growths of 92.4, 47.9 and 13.6 percents respectively in FY11 over \up0 \e
xpndtw0\charscalex102 FY10. OCA constituted 87.6 percent of CA in FY10 and 89.9
percent of CA in FY11, showing a \up0 \expndtw-3\charscalex100 decline of 14.8 p
ercent in FY11. \par\pard\ql \li6085\sb0\sl-276\slmult0 \par\pard\ql\li6085\sb0\
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harscalex100 \ul0\nosupersub\cf104\f105\fs13 0.2\tab \up0 \expndtw-2\charscalex1
00 0.1\par\pard\ql \li310\sb89\sl-149\slmult0\tx3007 \up0 \expndtw0\charscalex10
0 -98%\tab \up0 \expndtw0\charscalex100 -100%\par\pard\ql \li163\sb0\sl-117\slmu
lt0\tx737\tx1326\tx1895\tx2483 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf1
05\f106\fs13 II\tab \up0 \expndtw0\charscalex100 OI\tab \up0 \expndtw0\charscale
x100 AE\tab \up0 \expndtw-2\charscalex100 PBT\tab \up0 \expndtw0\charscalex100 P
AT\par\pard\ql \li1794\sb99\sl-149\slmult0\tx2398\tx3007 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf104\f105\fs13 -0.7\tab \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf105\f106\fs13 -0.6\tab \up0 \expndtw0\charscalex100 \ul0\nosuper
sub\cf104\f105\fs13 -150% \par\pard\sect\sectd\sbknone \qj \li1728\ri1232\sb0\sl
-380\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Income
from investment (II) declined by 98.2 percent and other income (OI) by 49.9 perc
ent in FY11. \line \up0 \expndtw-1\charscalex100 Administrative expenses (AE) we
re Rs 1.0 billion in FY10 decreased to Rs. 928 million during FY11. \line \up0 \
expndtw-1\charscalex100 Profits before and after taxation were Rs.176.2 million
and Rs. 64.6 million respectively in FY11.\par\pard\sect\sectd\sbknone\cols2\col
no1\colw5542\colsr160\colno2\colw6398\colsr160\ql \li1728\sb234\sl-253\slmult0 \
up0 \expndtw0\charscalex102 Return on equity \up0 \expndtw0\charscalex102 (ROE
), return on\par\pard\ql \li1728\sb127\sl-253\slmult0 \up0 \expndtw-2\charscal
ex100 capital employed \up0 \expndtw0\charscalex100 (ROCE) ,return on\par\par
d\column \ql \li5702\sb0\sl-253\slmult0 \par\pard\ql \li1627\sb102\sl-253\slmult
0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf109\f110\fs22 Profitability Ra
tios\par\pard\ql \li20\sb115\sl-172\slmult0 \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf107\f108\fs15 4%\par\pard\ql \li20\sb91\sl-172\slmult0\tx826\tx1807\
tx3768 \up0 \expndtw-1\charscalex100 2%\tab \up0 \expndtw-2\charscalex100 1.4%\t
ab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf108\f109\fs15 0.9%\tab \up0 \
expndtw-2\charscalex100 1.5%\par\pard\sect\sectd\sbknone\cols3\colno1\colw5417\c
olsr160\colno2\colw2435\colsr160\colno3\colw3938\colsr160\ql \li1728\sb0\sl-198\
slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26\fs22 assets \up0
\expndtw0\charscalex100 (ROA) and return on revenue\par\pard\qj \li1728\ri84
\sb0\sl-379\slmult0 \up0 \expndtw0\charscalex106 (ROR) remained in the positive

zone \up0 \expndtw-3\charscalex100 during FY11.\par\pard\column \ql \li145\sb92\

sl-172\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf107\f108\fs15 0%\
par\pard\ql \li101\sb91\sl-172\slmult0\tx825\tx1773 \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf108\f109\fs15 -2%\tab \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf107\f108\fs15 ROE\tab \up0 \expndtw-3\charscalex100 ROCE\par\pard\ql \
li101\sb92\sl-172\slmult0\tx1629 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f108\f109\fs15 -4%\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf107\f108\
fs15 -3.1%\par\pard\ql \li101\sb91\sl-172\slmult0 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf108\f109\fs15 -6%\par\pard\ql \li101\sb91\sl-172\slmult0 \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf107\f108\fs15 -8%\par\pard\ql \li20\s
b91\sl-172\slmult0 \up0 \expndtw-1\charscalex100 -10%\par\pard\ql \li20\sb92\sl172\slmult0 \up0 \expndtw-1\charscalex100 -12%\par\pard\ql \li20\sb91\sl-172\slm
ult0 \up0 \expndtw-1\charscalex100 -14%\par\pard\ql \li20\sb91\sl-172\slmult0\tx
605 \up0 \expndtw-1\charscalex100 -16%\tab \up0 \expndtw-2\charscalex100 -14.4%\
par\pard\column \ql \li322\sb0\sl-135\slmult0 \up0 \expndtw-2\charscalex100 0.2%
\par\pard\ql \li2156\sb1\sl-147\slmult0 \up0 \expndtw-3\charscalex100 FY 10\par\
pard\ql \li186\sb13\sl-172\slmult0\tx1182 \up0 \expndtw-2\charscalex100 ROA\tab
\up0 \expndtw-2\charscalex100 ROR\par\pard\ql \li20\sb18\sl-172\slmult0 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf108\f109\fs15 -1.7%\par\pard\ql \li9099\
sb0\sl-172\slmult0 \par\pard\ql \li9099\sb0\sl-172\slmult0 \par\pard\ql \li9099\
sb0\sl-172\slmult0 \par\pard\ql \li9099\sb0\sl-172\slmult0 \par\pard\ql \li2156\
sb79\sl-172\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf107\f108\fs1
5 FY 11\par\pard\ql \li9099\sb0\sl-172\slmult0 \par\pard\ql \li957\sb103\sl-172\
slmult0 \up0 \expndtw-2\charscalex100 -12.2% \par\pard\sect\sectd\sbknone \ql \l
i6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6
145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li614
5\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\
sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb
0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\
sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl
-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-2
76\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276
\slmult0 \par\pard\ql\li6145\sb181\sl-276\slmult0 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf17\f18\fs24 84 \par\pard\sect\sectd\fs24\paperw12960\paperh158
40\pard\sb0\sl-240{\bkmkstart Pg93}{\bkmkend Pg93}\par\pard\li6930\sb0\sl-184\sl
mult0\par\pard\li6930\sb133\sl-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf52\f53\fs16 Financial Statement Analysis of Financial Sec
tor\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\par
d\li900\sb0\sl-276\slmult0\par\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \
expndtw-3\charscalex100 \ul0\nosupersub\cf57\f58\fs24 Leasing Companies - Overal
l\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupe
es)\par\pard\li900\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\chars
calex100 2008\tab \up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charsca
lex100 2010\tab \up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\sl
mult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 6,835,258\tab \up0 \expndtw-1\charscalex10
0 7,080,248\tab \up0 \expndtw-1\charscalex100 5,699,127\tab \up0 \expndtw-1\char
scalex100 4,262,889\tab \up0 \expndtw-1\charscalex100 4,599,848\par\pard\li900\s
b0\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 5,000,877\tab \up0 \expndtw-1\charscale
x100 4,460,666\tab \up0 \expndtw-1\charscalex100 4,782,365\tab \up0 \expndtw-1\c
harscalex100 4,764,964\tab \up0 \expndtw-1\charscalex100 4,277,214\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 2,921,318\tab \up0 \expndtw-1\charscalex
100 2,410,646\tab \up0 \expndtw-1\charscalex100 1,735,115\tab \up0 \expndtw-1\ch

arscalex100 1,257,006\tab \up0 \expndtw-1\charscalex100 2,048,172\par\pard\li900

\sb19\sl-161\slmult0\fi194\tx6764\tx7998\tx9030\tx10004\tx11084 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit/loss\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (1,086,937)\tab \up0 \
expndtw-1\charscalex100 208,936\tab \up0 \expndtw-1\charscalex100 (818,353)\tab
\up0 \expndtw-1\charscalex100 (1,759,081)\tab \up0 \expndtw-1\charscalex100 (1,7
25,538)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9090\tx10158\tx
11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 292,972\tab \up0 \exp
ndtw-1\charscalex100 30,256\tab \up0 \expndtw-1\charscalex100 (97,545)\tab \up0
\expndtw-1\charscalex100 141,757\tab \up0 \expndtw-1\charscalex100 275,546\par\p
ard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1+ B2)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57,608,954\tab \
up0 \expndtw-1\charscalex100 56,628,753\tab \up0 \expndtw-1\charscalex100 49,869
,729\tab \up0 \expndtw-1\charscalex100 32,681,664\tab \up0 \expndtw-1\charscalex
100 28,672,259\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx99
93\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-cur
rent liabilities (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 32,451,522\tab \up0 \expndtw-1\charscalex100 36,481,901\tab \up0 \e
xpndtw-1\charscalex100 30,995,512\tab \up0 \expndtw-1\charscalex100 17,120,915\t
ab \up0 \expndtw-1\charscalex100 14,432,241\par\pard\li900\sb19\sl-161\slmult0\f
i350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 a.Borrowings from financial and other institutions\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,195,363\tab \up0 \exp
ndtw-1\charscalex100 6,765,089\tab \up0 \expndtw-1\charscalex100 5,647,750\tab \
up0 \expndtw-1\charscalex100 4,991,653\tab \up0 \expndtw-1\charscalex100 2,960,0
44\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6753\tx7833\tx8913\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Deposit on financ
e lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,064,6
97\tab \up0 \expndtw-1\charscalex100 16,436,318\tab \up0 \expndtw-1\charscalex10
0 14,343,156\tab \up0 \expndtw-1\charscalex100 6,347,260\tab \up0 \expndtw-1\cha
rscalex100 4,680,145\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6753\tx7833\tx89
13\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c
.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 14,191,462\tab \up0 \expndtw-1\charscalex100 13,280,494\tab \up0 \expnd
tw-1\charscalex100 11,004,606\tab \up0 \expndtw-1\charscalex100 5,782,002\tab \u
p0 \expndtw-1\charscalex100 6,792,052\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 25,157,432\tab \up0 \expndtw-1\charscalex100 20,146,852\tab
\up0 \expndtw-1\charscalex100 18,874,217\tab \up0 \expndtw-1\charscalex100 15,5
60,749\tab \up0 \expndtw-1\charscalex100 14,240,018\par\pard\li900\sb39\sl-155\s
lmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 C.Total assets (C1 + C2)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 64,737,184\tab \up0 \expndtw-1\charscalex10
0 63,739,257\tab \up0 \expndtw-1\charscalex100 55,471,311\tab \up0 \expndtw-1\ch
arscalex100 37,086,310\tab \up0 \expndtw-1\charscalex100 33,547,653\par\pard\li9
00\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current assets (a + b + c)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 36,625,175\tab \up0
\expndtw-1\charscalex100 35,673,385\tab \up0 \expndtw-1\charscalex100 27,998,64
7\tab \up0 \expndtw-1\charscalex100 17,687,778\tab \up0 \expndtw-1\charscalex100
17,448,877\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6753\tx7833\tx8913\tx9993
\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Net inves
tment in finance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 27,246,649\tab \up0 \expndtw-1\charscalex100 29,729,111\tab \up0 \expndtw
-1\charscalex100 21,840,207\tab \up0 \expndtw-1\charscalex100 13,171,916\tab \up
0 \expndtw-1\charscalex100 12,950,696\par\pard\li900\sb19\sl-161\slmult0\fi350\t
x6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu

b\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub

\cf56\f57\fs12 2,179,287\tab \up0 \expndtw-1\charscalex100 2,029,242\tab \up0 \e
xpndtw-1\charscalex100 1,954,976\tab \up0 \expndtw-1\charscalex100 1,641,203\tab
\up0 \expndtw-1\charscalex100 1,571,968\par\pard\li900\sb19\sl-161\slmult0\fi35
0\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 7,199,239\tab \up0 \expndtw-1\charscalex100 3,915,032\ta
b \up0 \expndtw-1\charscalex100 4,203,464\tab \up0 \expndtw-1\charscalex100 2,87
4,659\tab \up0 \expndtw-1\charscalex100 2,926,213\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 28,112,009\tab \up0 \expndtw-1\charscalex100
28,065,872\tab \up0 \expndtw-1\charscalex100 27,472,664\tab \up0 \expndtw-1\cha
rscalex100 19,398,532\tab \up0 \expndtw-1\charscalex100 16,098,776\par\pard\li90
0\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10293\tx11463 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and balances with treasury b
anks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 222,362\tab
\up0 \expndtw-1\charscalex100 306,799\tab \up0 \expndtw-1\charscalex100 554,843
\tab \up0 \expndtw-1\charscalex100 6,723\tab \up0 \expndtw-1\charscalex100 514\p
ar\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx9078\tx10158\tx11238 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Placement with other
banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,285,167\
tab \up0 \expndtw-1\charscalex100 1,166,953\tab \up0 \expndtw-1\charscalex100 59
7,845\tab \up0 \expndtw-1\charscalex100 262,290\tab \up0 \expndtw-1\charscalex10
0 335,190\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7998\tx8973\tx10053\
tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Term depos
its certificate\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
2,065,144\tab \up0 \expndtw-1\charscalex100 719,556\tab \up0 \expndtw-1\charscal
ex100 1,627,672\tab \up0 \expndtw-1\charscalex100 1,614,842\tab \up0 \expndtw-1\
charscalex100 841,296\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7998\tx9
078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
d.Other money market placements\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 1,185,922\tab \up0 \expndtw-1\charscalex100 947,040\tab \up0 \ex
pndtw-1\charscalex100 864,832\tab \up0 \expndtw-1\charscalex100 525,124\tab \up0
\expndtw-1\charscalex100 453,553\par\pard\li900\sb19\sl-161\slmult0\fi350\tx681
3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 e.Cash & cash equivalent (a + b + c + d)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 5,758,595\tab \up0 \expndtw-1\charscalex100
3,140,348\tab \up0 \expndtw-1\charscalex100 3,645,192\tab \up0 \expndtw-1\chars
calex100 2,408,979\tab \up0 \expndtw-1\charscalex100 1,630,553\par\pard\li900\sb
19\sl-161\slmult0\fi350\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 f.Other/misc. current assets\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22,353,414\tab \up0 \expndt
w-1\charscalex100 24,925,524\tab \up0 \expndtw-1\charscalex100 23,827,472\tab \u
p0 \expndtw-1\charscalex100 16,989,553\tab \up0 \expndtw-1\charscalex100 14,468,
223\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult
0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Income from finance lease\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 4,739,085\tab \up0 \expndtw-1\charscalex100
4,813,303\tab \up0 \expndtw-1\charscalex100 4,445,437\tab \up0 \expndtw-1\chars
calex100 2,908,978\tab \up0 \expndtw-1\charscalex100 2,772,786\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Income from operating lease\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,001,255\tab \up0 \expnd
tw-1\charscalex100 944,022\tab \up0 \expndtw-1\charscalex100 936,782\tab \up0 \e
xpndtw-1\charscalex100 817,667\tab \up0 \expndtw-1\charscalex100 817,592\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,740,340\tab \

up0 \expndtw-1\charscalex100 5,757,325\tab \up0 \expndtw-1\charscalex100 5,382,2

19\tab \up0 \expndtw-1\charscalex100 3,726,645\tab \up0 \expndtw-1\charscalex100
3,590,378\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158
\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income fr
om investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
52,621\tab \up0 \expndtw-1\charscalex100 266,823\tab \up0 \expndtw-1\charscalex1
00 153,329\tab \up0 \expndtw-1\charscalex100 108,335\tab \up0 \expndtw-1\charsca
lex100 2,003\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx100
53\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other i
ncome\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 884,695\ta
b \up0 \expndtw-1\charscalex100 1,655,426\tab \up0 \expndtw-1\charscalex100 828,
022\tab \up0 \expndtw-1\charscalex100 1,207,546\tab \up0 \expndtw-1\charscalex10
0 605,567\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Total inco
me/revenue (D3 to D5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 6,777,656\tab \up0 \expndtw-1\charscalex100 7,679,574\tab \up0 \expndtw-1\
charscalex100 6,363,570\tab \up0 \expndtw-1\charscalex100 5,042,526\tab \up0 \ex
pndtw-1\charscalex100 4,197,948\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 7.Administrative expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 1,222,244\tab \up0 \expndtw-1\charscalex100 1,253,641\tab \u
p0 \expndtw-1\charscalex100 1,314,381\tab \up0 \expndtw-1\charscalex100 1,047,41
9\tab \up0 \expndtw-1\charscalex100 927,627\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6870\tx7998\tx8924\tx10110\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 (479,403)\tab \up0 \expndtw-1\charscalex10
0 476,818\tab \up0 \expndtw-1\charscalex100 (1,520,635)\tab \up0 \expndtw-1\char
scalex100 (673,912)\tab \up0 \expndtw-1\charscalex100 176,225\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6870\tx7998\tx8924\tx10110\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (491,665)\tab \up0 \expnd
tw-1\charscalex100 598,955\tab \up0 \expndtw-1\charscalex100 (1,416,180)\tab \up
0 \expndtw-1\charscalex100 (615,564)\tab \up0 \expndtw-1\charscalex100 64,655\pa
r\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\t
x7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 957,667\tab \up0 \expndtw-1\charscalex100 734,045\tab \up0 \ex
pndtw-1\charscalex100 478,215\tab \up0 \expndtw-1\charscalex100 476,475\tab \up0
\expndtw-1\charscalex100 427,720\par\pard\li900\sb19\sl-161\slmult0\fi194\tx720
0\tx8280\tx9360\tx10440\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charsc
alex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex
100 N/A\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx
11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock divide
nd\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0
\expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \exp
ndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activit
ies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,724,576\ta
b \up0 \expndtw-1\charscalex100 1,656,175\tab \up0 \expndtw-1\charscalex100 4,58
5,308\tab \up0 \expndtw-1\charscalex100 2,242,989\tab \up0 \expndtw-1\charscalex
100 1,236,917\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\p
ard\li900\sb1\sl-161\slmult0\fi194\tx6975\tx8118\tx9060\tx10140\tx11358 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D9
/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -7.19%\tab \
up0 \expndtw-1\charscalex100 8.46%\tab \up0 \expndtw-1\charscalex100 -24.85%\tab

\up0 \expndtw-1\charscalex100 -14.44%\tab \up0 \expndtw-1\charscalex100 1.41%\p

ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8118\tx9135\tx10215\tx11358 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital emp
loyed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 -1.21%\tab \up0 \expndtw-1\charscalex100 1.09%\tab \up0 \expndtw-1\char
scalex100 -4.16%\tab \up0 \expndtw-1\charscalex100 -3.13%\tab \up0 \expndtw-1\ch
arscalex100 0.91%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8118\tx9135\
tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Re
turn on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 -0.76%\tab \up0 \expndtw-1\charscalex100 0.94%\tab \up0 \expndtw-1\c
harscalex100 -2.55%\tab \up0 \expndtw-1\charscalex100 -1.66%\tab \up0 \expndtw-1
\charscalex100 0.19%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6975\tx8118\tx90
60\tx10140\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 -7.25%\tab \up0 \expndtw-1\charscalex100 7.80%\tab \up0 \expndt
w-1\charscalex100 -22.25%\tab \up0 \expndtw-1\charscalex100 -12.21%\tab \up0 \ex
pndtw-1\charscalex100 1.54%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 5.Lease income to total income (D3/D6)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 84.70%\tab \up0 \expndtw-1\charscalex100 74.97%\tab
\up0 \expndtw-1\charscalex100 84.58%\tab \up0 \expndtw-1\charscalex100 73.90%\t
ab \up0 \expndtw-1\charscalex100 85.53%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7080\tx8223\tx9240\tx10320\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 6.Administrative expenses to profit before tax. (D7/D9) (tim
es)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -2.49\tab \u
p0 \expndtw-1\charscalex100 2.09\tab \up0 \expndtw-1\charscalex100 -0.93\tab \up
0 \expndtw-1\charscalex100 -1.70\tab \up0 \expndtw-1\charscalex100 14.35\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8223\tx9240\tx10320\tx11463 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (D9/E1)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.51\tab \up0 \e
xpndtw-1\charscalex100 0.82\tab \up0 \expndtw-1\charscalex100 -2.96\tab \up0 \ex
pndtw-1\charscalex100 -1.29\tab \up0 \expndtw-1\charscalex100 0.15\par\pard\li90
0\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Cash & cash equivalent to total assets (C2e/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 8.90%\tab \up0 \expndtw-1\charscalex100 4.93
%\tab \up0 \expndtw-1\charscalex100 6.57%\tab \up0 \expndtw-1\charscalex100 6.50
%\tab \up0 \expndtw-1\charscalex100 4.86%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Net investment in finance lease to total assets (C1a/C)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42.09%\tab \up0 \e
xpndtw-1\charscalex100 46.64%\tab \up0 \expndtw-1\charscalex100 39.37%\tab \up0
\expndtw-1\charscalex100 35.52%\tab \up0 \expndtw-1\charscalex100 38.60%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets to current l
iabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1.12\tab \up0 \expndtw-1\charscalex100 1.39\tab \up0 \expndtw-1\chars
calex100 1.46\tab \up0 \expndtw-1\charscalex100 1.25\tab \up0 \expndtw-1\charsca
lex100 1.13\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1038
3\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total li
abilities to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.89\tab \up0 \expndtw-1\charscalex100 0.89\tab \up0 \ex
pndtw-1\charscalex100 0.90\tab \up0 \expndtw-1\charscalex100 0.88\tab \up0 \expn
dtw-1\charscalex100 0.85\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard
\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.56%\tab \up0 \expndtw1\charscalex100 11.11%\tab \up0 \expndtw-1\charscalex100 10.27%\tab \up0 \expndt

w-1\charscalex100 11.49%\tab \up0 \expndtw-1\charscalex100 13.71%\par\pard\li900

\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9243\tx10383\tx11403 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.14\tab \up0 \exp
ndtw-1\charscalex100 9.65\tab \up0 \expndtw-1\charscalex100 11.92\tab \up0 \expn
dtw-1\charscalex100 8.95\tab \up0 \expndtw-1\charscalex100 10.75\par\pard\li900\
sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7080\tx8223\tx9
240\tx10320\tx11403 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash generated from operating activities to profit after tax. (E4/D9) (times)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.51\tab \up0 \
expndtw-1\charscalex100 2.77\tab \up0 \expndtw-1\charscalex100 -3.24\tab \up0 \e
xpndtw-1\charscalex100 -3.64\tab \up0 \expndtw-1\charscalex100 19.13\par\pard\li
900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw
-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating a
ctivities to current liabilities (E4/B2) (times)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 0.07\tab \up0 \expndtw-1\charscalex100 0.08\tab
\up0 \expndtw-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0.14\tab \
up0 \expndtw-1\charscalex100 0.09\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pa
rd\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard
\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\q
l\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\
li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li
6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li61
27\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127
\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\s
b0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0
\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb7\s
l-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 85
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f54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\cha
rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx101
58\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total e
quity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
268,470\tab \up0 \expndtw-1\charscalex100 259,238\tab \up0 \expndtw-1\charscale
x100 202,112\tab \up0 \expndtw-1\charscalex100 101,581\tab \up0 \expndtw-1\chars
calex100 75,433\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx1
0158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Share
capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 200,000
\tab \up0 \expndtw-1\charscalex100 200,000\tab \up0 \expndtw-1\charscalex100 215
,000\tab \up0 \expndtw-1\charscalex100 215,000\tab \up0 \expndtw-1\charscalex100
215,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 58,625\tab \up0 \e
xpndtw-1\charscalex100 58,625\tab \up0 \expndtw-1\charscalex100 58,625\tab \up0
\expndtw-1\charscalex100 58,625\tab \up0 \expndtw-1\charscalex100 58,625\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8223\tx9090\tx10110\tx11190 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit/loss
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,845\tab \up0
\expndtw-1\charscalex100 613\tab \up0 \expndtw-1\charscalex100 (71,513)\tab \up0
\expndtw-1\charscalex100 (172,044)\tab \up0 \expndtw-1\charscalex100 (198,192)\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,019\tab \up0 \expndtw-1\ch
arscalex100 19,969\tab \up0 \expndtw-1\charscalex100 18,970\tab \up0 \expndtw-1\
charscalex100 18,022\tab \up0 \expndtw-1\charscalex100 76,108\par\pard\li900\sb3
9\sl-155\slmult0\fi44\tx6813\tx7893\tx9078\tx10158\tx11238 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1+ B2)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,446,071\tab \up0 \expndtw1\charscalex100 1,293,288\tab \up0 \expndtw-1\charscalex100 852,115\tab \up0 \ex
pndtw-1\charscalex100 554,619\tab \up0 \expndtw-1\charscalex100 310,943\par\pard
\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx11238 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current liabilities (a +
b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 915,190\t
ab \up0 \expndtw-1\charscalex100 798,343\tab \up0 \expndtw-1\charscalex100 262,7
33\tab \up0 \expndtw-1\charscalex100 43,384\tab \up0 \expndtw-1\charscalex100 28
1,847\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx9138\tx10293\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Borrowings fro
m financial and other institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 438,833\tab \up0 \expndtw-1\charscalex100 372,353\tab \up0 \e
xpndtw-1\charscalex100 96,968\tab \up0 \expndtw-1\charscalex100 4,796\tab \up0 \
expndtw-1\charscalex100 62,378\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\t
x7998\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 b.Deposit on finance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 346,499\tab \up0 \expndtw-1\charscalex100 369,898\tab \up0 \

expndtw-1\charscalex100 141,555\tab \up0 \expndtw-1\charscalex100 33,888\tab \up

0 \expndtw-1\charscalex100 219,469\par\pard\li900\sb19\sl-161\slmult0\fi350\tx69
18\tx8058\tx9138\tx10293\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 c.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 129,858\tab \up0 \expndtw-1\charscalex100 56,092\tab \up0
\expndtw-1\charscalex100 24,210\tab \up0 \expndtw-1\charscalex100 4,700\tab \up
0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7
997\tx9077\tx10157\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 530,881\tab \up0 \expndtw-1\charscalex100 494,945\tab \up0 \expndtw
-1\charscalex100 589,382\tab \up0 \expndtw-1\charscalex100 511,235\tab \up0 \exp
ndtw-1\charscalex100 29,096\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx789
3\tx8973\tx10157\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 C.Total assets (C1 + C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 1,735,560\tab \up0 \expndtw-1\charscalex100 1,572,495\tab \up0 \ex
pndtw-1\charscalex100 1,073,197\tab \up0 \expndtw-1\charscalex100 674,222\tab \u
p0 \expndtw-1\charscalex100 462,484\par\pard\li900\sb6\sl-161\slmult0\fi194\tx68
13\tx7997\tx9077\tx10157\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1,003,690\tab \up0 \expndtw-1\charscalex100 881,70
7\tab \up0 \expndtw-1\charscalex100 289,847\tab \up0 \expndtw-1\charscalex100 14
4,025\tab \up0 \expndtw-1\charscalex100 18,940\par\pard\li900\sb19\sl-161\slmult
0\fi350\tx6917\tx7997\tx9077\tx10217\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 a.Net investment in finance lease\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 926,087\tab \up0 \expndtw-1\charscale
x100 773,432\tab \up0 \expndtw-1\charscalex100 189,313\tab \up0 \expndtw-1\chars
calex100 67,666\tab \up0 \expndtw-1\charscalex100 2,100\par\pard\li900\sb19\sl-1
61\slmult0\fi350\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 58,699\tab \up0 \expndtw-1\charscalex100 92,123
\tab \up0 \expndtw-1\charscalex100 89,373\tab \up0 \expndtw-1\charscalex100 65,6
76\tab \up0 \expndtw-1\charscalex100 16,493\par\pard\li900\sb19\sl-161\slmult0\f
i350\tx6977\tx8057\tx9137\tx10217\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 18,904\tab \up0 \expndtw-1\charscalex100 16,152\tab \
up0 \expndtw-1\charscalex100 11,161\tab \up0 \expndtw-1\charscalex100 10,683\tab
\up0 \expndtw-1\charscalex100 347\par\pard\li900\sb19\sl-161\slmult0\fi194\tx69
17\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 731,870\tab \up0 \expndtw-1\charscalex100 690,788\tab \up0
\expndtw-1\charscalex100 783,350\tab \up0 \expndtw-1\charscalex100 530,197\tab
\up0 \expndtw-1\charscalex100 443,544\par\pard\li900\sb19\sl-161\slmult0\fi350\t
x7217\tx8297\tx9377\tx10457\tx11537 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 a.Cash and balances with treasury banks\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 15\tab \up0 \expndtw-1\charscalex100 21\
tab \up0 \expndtw-1\charscalex100 36\tab \up0 \expndtw-1\charscalex100 30\tab \u
p0 \expndtw-1\charscalex100 20\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7053\t
x8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 b.Placement with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 4,569\tab \up0 \expndtw-1\charscalex100 20,793\tab \up0 \e
xpndtw-1\charscalex100 16,199\tab \up0 \expndtw-1\charscalex100 14,000\tab \up0
\expndtw-1\charscalex100 11,170\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7277\
tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 c.Term deposits certificate\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6917\tx7997\tx9077\tx10157\tx
11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Other money
market placements\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 697,012\tab \up0 \expndtw-1\charscalex100 641,375\tab \up0 \expndtw-1\charscal

ex100 763,478\tab \up0 \expndtw-1\charscalex100 512,481\tab \up0 \expndtw-1\char

scalex100 431,553\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6917\tx7997\tx9077\
tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Ca
sh & cash equivalent (a + b + c + d)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 701,596\tab \up0 \expndtw-1\charscalex100 662,189\tab \up0
\expndtw-1\charscalex100 779,713\tab \up0 \expndtw-1\charscalex100 526,511\tab \
up0 \expndtw-1\charscalex100 442,743\par\pard\li900\sb19\sl-161\slmult0\fi350\tx
6977\tx8057\tx9213\tx10293\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 f.Other/misc. current assets\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 30,274\tab \up0 \expndtw-1\charscalex100 28,599\tab
\up0 \expndtw-1\charscalex100 3,637\tab \up0 \expndtw-1\charscalex100 3,686\tab
\up0 \expndtw-1\charscalex100 801\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\pa
r\pard\li900\sb1\sl-161\slmult0\fi194\tx6917\tx7997\tx9137\tx10217\tx11297 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income from finance lea
se\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 145,189\tab \
up0 \expndtw-1\charscalex100 129,584\tab \up0 \expndtw-1\charscalex100 91,969\ta
b \up0 \expndtw-1\charscalex100 50,634\tab \up0 \expndtw-1\charscalex100 18,842\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7277\tx8133\tx9213\tx10293\tx11463 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Income from operatin
g lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \u
p0 \expndtw-1\charscalex100 8,317\tab \up0 \expndtw-1\charscalex100 3,415\tab \u
p0 \expndtw-1\charscalex100 5,425\tab \up0 \expndtw-1\charscalex100 988\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7997\tx9137\tx10217\tx11297 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 145,189\tab \up0
\expndtw-1\charscalex100 137,901\tab \up0 \expndtw-1\charscalex100 95,384\tab \
up0 \expndtw-1\charscalex100 56,059\tab \up0 \expndtw-1\charscalex100 19,830\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7277\tx8357\tx9437\tx10517\tx11597 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income from investments
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \exp
ndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 17,507\tab \up0 \expndtw-1\charscalex100 15,055\tab
\up0 \expndtw-1\charscalex100 10,931\tab \up0 \expndtw-1\charscalex100 10,361\ta
b \up0 \expndtw-1\charscalex100 10,780\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6917\tx7997\tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 162,696\tab \up0 \expndtw-1\charscalex100 152
,956\tab \up0 \expndtw-1\charscalex100 106,315\tab \up0 \expndtw-1\charscalex100
66,420\tab \up0 \expndtw-1\charscalex100 30,610\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6977\tx8057\tx9137\tx10217\tx11250 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 31,842\tab \up0 \expndtw-1\charscalex100 38
,556\tab \up0 \expndtw-1\charscalex100 36,188\tab \up0 \expndtw-1\charscalex100
27,767\tab \up0 \expndtw-1\charscalex100 (20,628)\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6977\tx8084\tx9090\tx10110\tx11250 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,250\tab \up0 \expndtw-1\charscale
x100 (9,571)\tab \up0 \expndtw-1\charscalex100 (74,578)\tab \up0 \expndtw-1\char
scalex100 (118,232)\tab \up0 \expndtw-1\charscalex100 (42,506)\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6977\tx8010\tx9090\tx10110\tx11250 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,458\tab \up0 \expndtw
-1\charscalex100 (10,283)\tab \up0 \expndtw-1\charscalex100 (56,520)\tab \up0 \e
xpndtw-1\charscalex100 (101,478)\tab \up0 \expndtw-1\charscalex100 (44,170)\par\
pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6977\tx8

057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5

2\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 20,000\tab \up0 \expndtw-1\charscalex100 20,000\tab \up0 \expndt
w-1\charscalex100 21,500\tab \up0 \expndtw-1\charscalex100 21,500\tab \up0 \expn
dtw-1\charscalex100 21,500\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx808
8\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248
\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock div
idend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7997\tx9090\tx10170\tx11250 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from oper
ating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
(167,344)\tab \up0 \expndtw-1\charscalex100 171,193\tab \up0 \expndtw-1\charsca
lex100 (24,336)\tab \up0 \expndtw-1\charscalex100 (24,634)\tab \up0 \expndtw-1\c
harscalex100 (27,623)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability rati
os\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7037\tx8055\tx9059\tx10139\tx11219
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (
ROE) (D9/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.76
%\tab \up0 \expndtw-1\charscalex100 -0.04%\tab \up0 \expndtw-1\charscalex100 -27
.96%\tab \up0 \expndtw-1\charscalex100 -99.90%\tab \up0 \expndtw-1\charscalex100
-58.56%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8055\tx9059\tx10139\t
x11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on c
apital employed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1.93%\tab \up0 \expndtw-1\charscalex100 -0.01%\tab \up0 \expn
dtw-1\charscalex100 -15.41%\tab \up0 \expndtw-1\charscalex100 -72.54%\tab \up0 \
expndtw-1\charscalex100 -9.81%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\t
x8055\tx9135\tx10139\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Return on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.89%\tab \up0 \expndtw-1\charscalex100 -0.01%\tab \up0
\expndtw-1\charscalex100 -5.27%\tab \up0 \expndtw-1\charscalex100 -15.05%\tab \
up0 \expndtw-1\charscalex100 -9.55%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
037\tx8055\tx9059\tx10079\tx11159 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 9.50%\tab \up0 \expndtw-1\charscalex100 -0.07%\t
ab \up0 \expndtw-1\charscalex100 -53.16%\tab \up0 \expndtw-1\charscalex100 -152.
78%\tab \up0 \expndtw-1\charscalex100 -144.30%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 5.Lease income to total income (D3/D6)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89.24%\tab \up0 \expndtw-1\chars
calex100 0.90%\tab \up0 \expndtw-1\charscalex100 89.72%\tab \up0 \expndtw-1\char
scalex100 84.40%\tab \up0 \expndtw-1\charscalex100 64.78%\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10319\tx11463 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 6.Administrative expenses to profit before
tax. (D7/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2.06\tab \up0 \expndtw-1\charscalex100 -3.75\tab \up0 \expndtw-1\charscale
x100 -0.64\tab \up0 \expndtw-1\charscalex100 -0.27\tab \up0 \expndtw-1\charscale
x100 0.47\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10319\
tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning pe
r share (D9/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.77\tab \up0 \expndtw-1\charscalex100 -0.51\tab \up0 \expndtw-1\charscalex100 2.63\tab \up0 \expndtw-1\charscalex100 -4.72\tab \up0 \expndtw-1\charscalex100 2.05\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi
194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu

persub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C2e/C)\tab \up0 \

expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40.42%\tab \up0 \expndtw-1
\charscalex100 0.42%\tab \up0 \expndtw-1\charscalex100 72.65%\tab \up0 \expndtw1\charscalex100 78.09%\tab \up0 \expndtw-1\charscalex100 95.73%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx10217\tx11357 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net investment in finance lease to t
otal assets (C1a/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 53.36%\tab \up0 \expndtw-1\charscalex100 0.49%\tab \up0 \expndtw-1\charscale
x100 17.64%\tab \up0 \expndtw-1\charscalex100 10.04%\tab \up0 \expndtw-1\charsca
lex100 0.45%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx103
83\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current
assets to current liabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 1.38\tab \up0 \expndtw-1\charscalex100 1.40\tab \
up0 \expndtw-1\charscalex100 1.33\tab \up0 \expndtw-1\charscalex100 1.04\tab \up
0 \expndtw-1\charscalex100 15.24\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Total liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.83\tab \up0 \expndtw-1\charscalex
100 0.82\tab \up0 \expndtw-1\charscalex100 0.79\tab \up0 \expndtw-1\charscalex10
0 0.82\tab \up0 \expndtw-1\charscalex100 0.67\par\pard\li900\sb15\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /lev
erage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx1021
7\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital
ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.4
7%\tab \up0 \expndtw-1\charscalex100 0.17%\tab \up0 \expndtw-1\charscalex100 18.
83%\tab \up0 \expndtw-1\charscalex100 15.07%\tab \up0 \expndtw-1\charscalex100 1
6.31%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11
463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value
per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 13.42\tab \up0 \expndtw-1\charscalex100 12.96\tab \up0 \expndtw-1\charscalex10
0 9.40\tab \up0 \expndtw-1\charscalex100 4.72\tab \up0 \expndtw-1\charscalex100
3.51\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi1
94\tx7004\tx8084\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Cash generated from operating activities to profit after t
ax. (E4/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 -10.83\tab \up0 \expndtw-1\charscalex100 -16.65\tab \up0 \expndtw-1\charscal
ex100 0.43\tab \up0 \expndtw-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex
100 0.63\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7079\tx8223\tx9239\tx10319\t
x11399 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash genera
ted from operating activities to current liabilities (E4/B2) (times)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.32\tab \up0 \expndtw-1\c
harscalex100 0.35\tab \up0 \expndtw-1\charscalex100 -0.04\tab \up0 \expndtw-1\ch
arscalex100 -0.05\tab \up0 \expndtw-1\charscalex100 -0.95\par\pard\ql \li6127\sb
0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\
sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl
-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-1
61\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161
\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\s
lmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slm
ult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmul
t0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \
par\pard\ql\li6127\sb7\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 86
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g95}{\bkmkend Pg95}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 NBP Leasing Limited\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx7305\tx7998\tx9078\tx10158
\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ
ity (A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 720,708\tab \up
0 \expndtw-1\charscalex100 617,815\tab \up0 \expndtw-1\charscalex100 648,916\tab
\up0 \expndtw-1\charscalex100 705,192\par\pard\li900\sb0\sl-161\slmult0\fi194\t
x7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Share capital\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 500,000\tab \up0 \expndtw-1\
charscalex100 500,000\tab \up0 \expndtw-1\charscalex100 500,000\tab \up0 \expndt
w-1\charscalex100 500,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058
\tx9138\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Reserves\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 88,932\tab \up0 \expndtw-1\charscalex100 88,9
32\tab \up0 \expndtw-1\charscalex100 95,152\tab \up0 \expndtw-1\charscalex100 10
6,407\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriate
d profit/loss\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex

100 \ul0\nosupersub\cf56\f57\fs12 131,776\tab \up0 \expndtw-1\charscalex100 28,8

83\tab \up0 \expndtw-1\charscalex100 53,764\tab \up0 \expndtw-1\charscalex100 98
,785\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8010\tx9090\tx10170\tx112
50 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 (97,976)\tab \up0 \expndtw-1\charscalex100 (35,573)\tab \up0 \expndt
w-1\charscalex100 (21,891)\tab \up0 \expndtw-1\charscalex100 (17,939)\par\pard\l
i900\sb39\sl-155\slmult0\fi44\tx7305\tx7998\tx9138\tx10158\tx11238 \dn3 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1+ B2)\tab
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 293,173\tab \up0 \expndtw-1\charsc
alex100 99,621\tab \up0 \expndtw-1\charscalex100 110,680\tab \up0 \expndtw-1\cha
rscalex100 215,889\par\pard\li900\sb6\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No
n-current liabilities (a + b + c)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 67,008\tab \up0 \expndtw-1
\charscalex100 40,441\tab \up0 \expndtw-1\charscalex100 54,165\tab \up0 \expndtw
-1\charscalex100 88,612\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx8358\t
x9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 a.Borrowings from financial and other institutions\tab \dn2 \expndtw-2\charsca
lex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \
up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \exp
ndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx8058\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
b.Deposit on finance lease\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 66,017\tab \up0 \expndtw-1\chars
calex100 40,441\tab \up0 \expndtw-1\charscalex100 52,281\tab \up0 \expndtw-1\cha
rscalex100 86,935\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx8223\tx9438\
tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Ot
her/misc. liabilities\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 991\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 1,884\tab \up0 \expndtw-1\charscalex100 1,67
7\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9138\tx10218\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Current liabilitie
s\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 226,165\tab \up0 \expndtw-1\charscalex100 59,180\tab \up0
\expndtw-1\charscalex100 56,515\tab \up0 \expndtw-1\charscalex100 127,277\par\pa
rd\li900\sb39\sl-155\slmult0\fi44\tx7305\tx7998\tx9078\tx10158\tx11238 \dn3 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 + C2)\tab
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 915,905\tab \up0 \expndtw-1\charsc
alex100 681,863\tab \up0 \expndtw-1\charscalex100 737,705\tab \up0 \expndtw-1\ch
arscalex100 903,142\par\pard\li900\sb6\sl-161\slmult0\fi194\tx7305\tx7998\tx9078
\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.N
on-current assets (a + b + c)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 353,502\tab \up0 \expndtw-1\ch
arscalex100 289,984\tab \up0 \expndtw-1\charscalex100 373,074\tab \up0 \expndtw1\charscalex100 592,851\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx7998\t
x9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 a.Net investment in finance lease\tab \dn2 \expndtw-2\charscalex100 -\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 194,096\tab \up0 \expndt
w-1\charscalex100 109,761\tab \up0 \expndtw-1\charscalex100 189,948\tab \up0 \ex
pndtw-1\charscalex100 394,831\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx
8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 b.Fixed assets\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 6,498\tab \up0 \expndtw-1\charscalex1
00 4,996\tab \up0 \expndtw-1\charscalex100 7,612\tab \up0 \expndtw-1\charscalex1
00 9,374\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx7998\tx9078\tx10158\t
x11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other/misc.
assets\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u

l0\nosupersub\cf56\f57\fs12 152,908\tab \up0 \expndtw-1\charscalex100 175,227\ta

b \up0 \expndtw-1\charscalex100 175,514\tab \up0 \expndtw-1\charscalex100 188,64
6\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx7998\tx9078\tx10158\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Current assets (e
+ f)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 562,403\tab \up0 \expndtw-1\charscalex100 391,879\tab \
up0 \expndtw-1\charscalex100 364,631\tab \up0 \expndtw-1\charscalex100 310,291\p
ar\pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx8133\tx9378\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and balances wit
h treasury banks\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,301\tab \up0 \expndtw-1\charscalex100 22\
tab \up0 \expndtw-1\charscalex100 121\tab \up0 \expndtw-1\charscalex100 318\par\
pard\li900\sb19\sl-161\slmult0\fi350\tx7305\tx8133\tx9078\tx10293\tx11373 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Placement with other ban
ks\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 2,394\tab \up0 \expndtw-1\charscalex100 111,296\tab \up0
\expndtw-1\charscalex100 6,065\tab \up0 \expndtw-1\charscalex100 7,044\par\pard\
li900\sb19\sl-161\slmult0\fi350\tx7305\tx7998\tx9078\tx10158\tx11298 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Term deposits certificate\tab
\dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 218,315\tab \up0 \expndtw-1\charscalex100 119,934\tab \up0 \exp
ndtw-1\charscalex100 121,028\tab \up0 \expndtw-1\charscalex100 51,152\par\pard\l
i900\sb19\sl-161\slmult0\fi350\tx7305\tx8358\tx9438\tx10518\tx11598 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Other money market placements\
tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slm
ult0\fi350\tx7305\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 e.Cash & cash equivalent (a + b + c + d)\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 222,010\tab \up0 \expndtw-1\charscalex100 231,252\tab \up0 \expndtw-1\c
harscalex100 127,214\tab \up0 \expndtw-1\charscalex100 58,514\par\pard\li900\sb1
9\sl-161\slmult0\fi350\tx7305\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 f.Other/misc. current assets\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 340,393\tab \up0 \expndtw-1\charscalex100 160,627\tab \up0 \expndtw-1\c
harscalex100 237,417\tab \up0 \expndtw-1\charscalex100 251,777\par\pard\li900\sb
14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx8058
\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Income from finance lease\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41,503\tab \up0 \expndtw-1\c
harscalex100 27,145\tab \up0 \expndtw-1\charscalex100 19,463\tab \up0 \expndtw-1
\charscalex100 48,166\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8133\tx9
303\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Income from operating lease\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,167\tab \up0 \expndtw-1\char
scalex100 294\tab \up0 \expndtw-1\charscalex100 48,927\tab \up0 \expndtw-1\chars
calex100 46,215\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx
10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Inco
me from lease (D1 + D2)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 42,670\tab \up0 \expndtw-1\charscale
x100 27,439\tab \up0 \expndtw-1\charscalex100 68,390\tab \up0 \expndtw-1\charsca
lex100 94,381\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10
458\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income
from investments\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 52,966\tab \up0 \expndtw-1\charscalex100 3
6,832\tab \up0 \expndtw-1\charscalex100 51\tab \up0 \expndtw-1\charscalex100 0\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8058\tx9213\tx10517\tx11597 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other income\tab \dn2

\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf

56\f57\fs12 12,814\tab \up0 \expndtw-1\charscalex100 3,663\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx7305\tx7997\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \dn2 \expndtw
-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 108,450\tab \up0 \expndtw-1\charscalex100 67,934\tab \up0 \expndtw-1\charscal
ex100 68,441\tab \up0 \expndtw-1\charscalex100 94,381\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7305\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24
,802\tab \up0 \expndtw-1\charscalex100 29,087\tab \up0 \expndtw-1\charscalex100
34,519\tab \up0 \expndtw-1\charscalex100 44,826\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx8223\tx9030\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 85
3\tab \up0 \expndtw-1\charscalex100 (126,024)\tab \up0 \expndtw-1\charscalex100
34,017\tab \up0 \expndtw-1\charscalex100 57,080\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx7305\tx8057\tx9030\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,
915\tab \up0 \expndtw-1\charscalex100 (102,893)\tab \up0 \expndtw-1\charscalex10
0 31,101\tab \up0 \expndtw-1\charscalex100 56,276\par\pard\li900\sb14\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other it
ems\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7305\tx8057\tx9137\tx10217\tx11297
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary s
hares\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 50,000\tab \up0 \expndtw-1\charscalex100 50,000\tab \u
p0 \expndtw-1\charscalex100 50,000\tab \up0 \expndtw-1\charscalex100 50,000\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8088\tx9168\tx10248\tx11328 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \dn2 \
expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\char
scalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7305\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend\tab \dn2 \expndtw-2\charscale
x100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7305\tx7998\tx9078\tx10170\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 4.Cash generated from operating activities\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14
8,975\tab \up0 \expndtw-1\charscalex100 151,088\tab \up0 \expndtw-1\charscalex10
0 (69,226)\tab \up0 \expndtw-1\charscalex100 (232,366)\par\pard\li900\sb14\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Eff
iciency ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx73
05\tx8118\tx9060\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Return on equity (ROE) (D9/A)\tab \dn2 \expndtw-2\charscalex100 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.51%\tab \up0
\expndtw-1\charscalex100 -16.65%\tab \up0 \expndtw-1\charscalex100 4.79%\tab \up
0 \expndtw-1\charscalex100 7.98%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305
\tx8118\tx9060\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Return on capital employed (ROCE) (D8/(C-B2))\tab \dn2 \expndtw-2\c
harscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
.12%\tab \up0 \expndtw-1\charscalex100 -20.24%\tab \up0 \expndtw-1\charscalex100
4.99%\tab \up0 \expndtw-1\charscalex100 7.36%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7305\tx8118\tx9060\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D9/C)\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.1
9%\tab \up0 \expndtw-1\charscalex100 -15.09%\tab \up0 \expndtw-1\charscalex100 4

.22%\tab \up0 \expndtw-1\charscalex100 6.23%\par\pard\li900\sb19\sl-161\slmult0\

fi194\tx7305\tx8058\tx9000\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 4.Return on revenue (ROR) (D9/D6)\tab \dn2 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.
06%\tab \up0 \expndtw-1\charscalex100 -151.46%\tab \up0 \expndtw-1\charscalex100
45.44%\tab \up0 \expndtw-1\charscalex100 59.63%\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx7305\tx8058\tx9138\tx10218\tx11223 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 5.Lease income to total income (D3/D6)\tab \dn2 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 39.35%\tab \up0 \expndtw-1\charscalex100 40.39%\tab \up0 \expndtw-1\charsc
alex100 99.93%\tab \up0 \expndtw-1\charscalex100 100.00%\par\pard\li900\sb19\sl161\slmult0\fi194\tx7305\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 6.Administrative expenses to profit before
tax. (D7/D9) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 2.27\tab \up0 \expndtw-1\charscalex100
-0.28\tab \up0 \expndtw-1\charscalex100 1.11\tab \up0 \expndtw-1\charscalex100 0
.80\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9240\tx10383\tx1146
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per shar
e (D9/E1)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.22\tab \up0 \expndtw-1\charscalex100 -2.06\tab \
up0 \expndtw-1\charscalex100 0.62\tab \up0 \expndtw-1\charscalex100 1.13\par\par
d\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\t
x8058\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Cash & cash equivalent to total assets (C2e/C)\tab \dn2 \expndtw-2\ch
arscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24
.24%\tab \up0 \expndtw-1\charscalex100 33.91%\tab \up0 \expndtw-1\charscalex100
17.24%\tab \up0 \expndtw-1\charscalex100 6.48%\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Net investment in finance lease to total assets (C1a/
C)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 21.19%\tab \up0 \expndtw-1\charscalex100 16.10%\tab \up0
\expndtw-1\charscalex100 25.75%\tab \up0 \expndtw-1\charscalex100 43.72%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9303\tx10383\tx11463 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets to current l
iabilities (C2/B2) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.49\tab \up0 \expndtw-1\charscal
ex100 6.62\tab \up0 \expndtw-1\charscalex100 6.45\tab \up0 \expndtw-1\charscalex
100 2.44\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7305\tx8223\tx9303\tx10383\t
x11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total liabi
lities to total assets (B/C) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.32\tab \up0 \expndtw1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 0.15\tab \up0 \expndtw-1\
charscalex100 0.24\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900
\sb0\sl-161\slmult0\fi194\tx7305\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \dn2 \expnd
tw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 78.69%\tab \up0 \expndtw-1\charscalex100 90.61%\tab \up0 \expndtw-1\charsca
lex100 87.96%\tab \up0 \expndtw-1\charscalex100 78.08%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7305\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab \dn2 \exp
ndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 14.41\tab \up0 \expndtw-1\charscalex100 12.36\tab \up0 \expndtw-1\charsca
lex100 12.98\tab \up0 \expndtw-1\charscalex100 14.10\par\pard\li900\sb15\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash
flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7305\tx8163\tx9240\tx10320\
tx11400 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash gener
ated from operating activities to profit after tax. (E4/D9) (times)\tab \dn2 \ex
pndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f

57\fs12 13.65\tab \up0 \expndtw-1\charscalex100 -1.47\tab \up0 \expndtw-1\charsc

alex100 -2.23\tab \up0 \expndtw-1\charscalex100 -4.13\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx7305\tx8223\tx9303\tx10320\tx11400 \dn2 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities to cu
rrent liabilities (E4/B2) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.66\tab \up0 \expndtw-1\c
harscalex100 2.55\tab \up0 \expndtw-1\charscalex100 -1.22\tab \up0 \expndtw-1\ch
arscalex100 -1.83\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0
\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\s
l-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-16
1\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\
slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\sl
mult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmu
lt0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult
0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb7\sl-161\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 87
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lex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197

\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expnd
tw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw
-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A
.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,378,881\tab \up0 \expndtw-1\charscalex100 2,603,868\tab \up0 \expndtw
-1\charscalex100 2,077,910\tab \up0 \expndtw-1\charscalex100 2,016,356\tab \up0
\expndtw-1\charscalex100 2,160,686\par\pard\li900\sb0\sl-161\slmult0\fi194\tx691
8\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 694,785\tab \up0 \expndtw-1\charscalex100 694,785\tab \up0 \expndtw1\charscalex100 820,528\tab \up0 \expndtw-1\charscalex100 820,529\tab \up0 \expn
dtw-1\charscalex100 820,529\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1,684,096\tab \up0 \expndtw-1\charscalex100 1,576,899\tab \up0 \expndtw-1\chars
calex100 1,052,604\tab \up0 \expndtw-1\charscalex100 1,195,827\tab \up0 \expndtw
-1\charscalex100 1,340,157\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx799
8\tx9078\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 3.Un appropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 332,184\tab \up0 \expndtw
-1\charscalex100 204,778\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\t
x10518\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Oth
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expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 87,013\par\pard\li900\sb39\s
l-155\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1+ B2)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,777,103\tab \up0 \expndtw-1\c
harscalex100 25,211,112\tab \up0 \expndtw-1\charscalex100 25,245,296\tab \up0 \e
xpndtw-1\charscalex100 21,762,670\tab \up0 \expndtw-1\charscalex100 19,554,519\p
ar\pard\li900\sb6\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current liabilities
(a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,
592,625\tab \up0 \expndtw-1\charscalex100 20,175,342\tab \up0 \expndtw-1\charsca
lex100 17,807,230\tab \up0 \expndtw-1\charscalex100 12,963,244\tab \up0 \expndtw
-1\charscalex100 11,093,605\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 a.Borrowings from financial and other institutions\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1,035,300\tab \up0 \expndtw-1\charscale
x100 3,602,959\tab \up0 \expndtw-1\charscalex100 3,864,826\tab \up0 \expndtw-1\c
harscalex100 3,186,110\tab \up0 \expndtw-1\charscalex100 2,172,519\par\pard\li90
0\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Deposit on finance lease\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,179,578\tab \up0 \expn
dtw-1\charscalex100 9,913,743\tab \up0 \expndtw-1\charscalex100 8,100,984\tab \u
p0 \expndtw-1\charscalex100 4,543,263\tab \up0 \expndtw-1\charscalex100 3,165,14
8\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other/misc. liabil
ities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,377,747\
tab \up0 \expndtw-1\charscalex100 6,658,640\tab \up0 \expndtw-1\charscalex100 5,
841,420\tab \up0 \expndtw-1\charscalex100 5,233,871\tab \up0 \expndtw-1\charscal
ex100 5,755,938\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx
10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Curr
ent liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
9,184,478\tab \up0 \expndtw-1\charscalex100 5,035,770\tab \up0 \expndtw-1\charsc

alex100 7,438,066\tab \up0 \expndtw-1\charscalex100 8,799,426\tab \up0 \expndtw1\charscalex100 8,460,914\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6753\tx7833\

tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 C.Total assets (C1 + C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 26,155,984\tab \up0 \expndtw-1\charscalex100 27,814,980\tab \up0 \exp
ndtw-1\charscalex100 27,323,206\tab \up0 \expndtw-1\charscalex100 23,779,026\tab
\up0 \expndtw-1\charscalex100 21,802,218\par\pard\li900\sb6\sl-161\slmult0\fi19
4\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 16,003,111\tab \up0 \expndtw-1\charscalex100
15,876,126\tab \up0 \expndtw-1\charscalex100 13,465,632\tab \up0 \expndtw-1\char
scalex100 11,918,496\tab \up0 \expndtw-1\charscalex100 12,238,277\par\pard\li900
\sb19\sl-161\slmult0\fi350\tx6813\tx7833\tx8973\tx10053\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Net investment in finance lease\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,559,458\tab \up0
\expndtw-1\charscalex100 13,169,849\tab \up0 \expndtw-1\charscalex100 9,828,123
\tab \up0 \expndtw-1\charscalex100 9,130,304\tab \up0 \expndtw-1\charscalex100 9
,109,645\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx8973\tx10053\t
x11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Fixed asset
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 751,180\tab \u
p0 \expndtw-1\charscalex100 832,333\tab \up0 \expndtw-1\charscalex100 1,121,881\
tab \up0 \expndtw-1\charscalex100 1,075,338\tab \up0 \expndtw-1\charscalex100 1,
266,877\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other/misc.
assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,692,473
\tab \up0 \expndtw-1\charscalex100 1,873,944\tab \up0 \expndtw-1\charscalex100 2
,515,628\tab \up0 \expndtw-1\charscalex100 1,712,854\tab \up0 \expndtw-1\charsca
lex100 1,861,755\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\t
x9993\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Curr
ent assets (e + f)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 10,152,873\tab \up0 \expndtw-1\charscalex100 11,938,854\tab \up0 \expndtw-1\c
harscalex100 13,857,574\tab \up0 \expndtw-1\charscalex100 11,860,530\tab \up0 \e
xpndtw-1\charscalex100 9,563,941\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6978
\tx7998\tx9078\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 a.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 42,231\tab \up0 \expndtw-1\charscalex100 207,
557\tab \up0 \expndtw-1\charscalex100 528,227\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\t
x7278\tx8358\tx9438\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 b.Placement with other banks\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \exp
ndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 128,632\tab \up0 \expnd
tw-1\charscalex100 242,277\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx799
8\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 c.Term deposits certificate\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 498,383\tab \up0 \expndtw-1\charscalex100 261,519\tab \up0 \exp
ndtw-1\charscalex100 1,467,281\tab \up0 \expndtw-1\charscalex100 1,216,429\tab \
up0 \expndtw-1\charscalex100 358,263\par\pard\li900\sb19\sl-161\slmult0\fi350\tx
7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 d.Other money market placements\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx8973\t
x10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Cas
h & cash equivalent (a + b + c + d)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 540,614\tab \up0 \expndtw-1\charscalex100 469,076\tab \up0 \
expndtw-1\charscalex100 1,995,508\tab \up0 \expndtw-1\charscalex100 1,345,061\ta
b \up0 \expndtw-1\charscalex100 600,540\par\pard\li900\sb19\sl-161\slmult0\fi350
\tx6813\tx7833\tx8913\tx9993\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 f.Other/misc. current assets\tab \up0 \expndtw-1\charscalex100

\ul0\nosupersub\cf56\f57\fs12 9,612,259\tab \up0 \expndtw-1\charscalex100 11,469

,778\tab \up0 \expndtw-1\charscalex100 11,862,066\tab \up0 \expndtw-1\charscalex
100 10,515,469\tab \up0 \expndtw-1\charscalex100 8,963,401\par\pard\li900\sb14\s
l-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D
.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Income from finance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 2,174,914\tab \up0 \expndtw-1\charscalex100 2,378,393\tab \up0 \expn
dtw-1\charscalex100 2,374,476\tab \up0 \expndtw-1\charscalex100 2,066,884\tab \u
p0 \expndtw-1\charscalex100 2,107,805\par\pard\li900\sb19\sl-161\slmult0\fi194\t
x6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Income from operating lease\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 500,545\tab \up0 \expndtw-1\charscalex100 535,434\
tab \up0 \expndtw-1\charscalex100 589,621\tab \up0 \expndtw-1\charscalex100 625,
848\tab \up0 \expndtw-1\charscalex100 648,815\par\pard\li900\sb19\sl-161\slmult0
\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 2,675,459\tab \up0 \expndtw-1\charscalex10
0 2,913,827\tab \up0 \expndtw-1\charscalex100 2,964,097\tab \up0 \expndtw-1\char
scalex100 2,692,732\tab \up0 \expndtw-1\charscalex100 2,756,620\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11598 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income from investments\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,191\tab \up0 \expndtw-1\c
harscalex100 33,330\tab \up0 \expndtw-1\charscalex100 83,641\tab \up0 \expndtw-1
\charscalex100 70,258\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 234,426\tab \up0 \expndtw-1\charscalex100 504
,110\tab \up0 \expndtw-1\charscalex100 475,772\tab \up0 \expndtw-1\charscalex100
994,309\tab \up0 \expndtw-1\charscalex100 433,383\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,933,076\tab \up0 \expndtw-1\cha
rscalex100 3,451,267\tab \up0 \expndtw-1\charscalex100 3,523,510\tab \up0 \expnd
tw-1\charscalex100 3,757,299\tab \up0 \expndtw-1\charscalex100 3,190,003\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 412,423\tab \up0 \e
xpndtw-1\charscalex100 516,826\tab \up0 \expndtw-1\charscalex100 651,523\tab \up
0 \expndtw-1\charscalex100 599,756\tab \up0 \expndtw-1\charscalex100 548,631\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9030\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before ta
xation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 395,579\t
ab \up0 \expndtw-1\charscalex100 351,609\tab \up0 \expndtw-1\charscalex100 (428,
715)\tab \up0 \expndtw-1\charscalex100 125,956\tab \up0 \expndtw-1\charscalex100
226,585\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9030\tx10158\t
x11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(los
s) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 334,079\tab \up0 \expndtw-1\charscalex100 266,609\tab \up0 \expndtw-1\charscal
ex100 (467,096)\tab \up0 \expndtw-1\charscalex100 104,784\tab \up0 \expndtw-1\ch
arscalex100 144,673\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\
slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 237,888\tab \up0 \expndtw-1\charscalex10
0 69,478\tab \up0 \expndtw-1\charscalex100 82,053\tab \up0 \expndtw-1\charscalex
100 82,053\tab \up0 \expndtw-1\charscalex100 82,053\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6933\tx8013\tx9168\tx10248\tx11253 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 35.00%\tab \up0 \expndtw-1\charscalex100 15.00%\ta

b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\ta

b \up0 \expndtw-1\charscalex100 10.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Stock dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 15.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7998\
tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 2,174,548\tab \up0 \expndtw-1\charscalex100 549,47
8\tab \up0 \expndtw-1\charscalex100 2,690,983\tab \up0 \expndtw-1\charscalex100
945,394\tab \up0 \expndtw-1\charscalex100 801,778\par\pard\li900\sb14\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficien
cy ratios/profitability ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx
8118\tx9060\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Return on equity (ROE) (D9/A)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 14.04%\tab \up0 \expndtw-1\charscalex100 0.10%\tab \up0
\expndtw-1\charscalex100 -22.48%\tab \up0 \expndtw-1\charscalex100 5.20%\tab \up
0 \expndtw-1\charscalex100 6.70%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038
\tx8118\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Return on capital employed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 2.33%\tab \up0 \expndtw-1\charscalex1
00 0.02%\tab \up0 \expndtw-1\charscalex100 -2.16%\tab \up0 \expndtw-1\charscalex
100 0.84%\tab \up0 \expndtw-1\charscalex100 1.70%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx7038\tx8118\tx9135\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D9/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.28%\tab \up0 \expndtw-1\charscalex
100 0.01%\tab \up0 \expndtw-1\charscalex100 -1.71%\tab \up0 \expndtw-1\charscale
x100 0.44%\tab \up0 \expndtw-1\charscalex100 0.66%\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6978\tx8118\tx9060\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.39%\tab \up0 \expndtw-1\charsc
alex100 0.08%\tab \up0 \expndtw-1\charscalex100 -13.26%\tab \up0 \expndtw-1\char
scalex100 2.79%\tab \up0 \expndtw-1\charscalex100 4.54%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6978\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 5.Lease income to total income (D3/D6)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91.22%\tab \up0 \expndt
w-1\charscalex100 0.84%\tab \up0 \expndtw-1\charscalex100 84.12%\tab \up0 \expnd
tw-1\charscalex100 71.67%\tab \up0 \expndtw-1\charscalex100 86.41%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Administrative expenses to prof
it before tax. (D7/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 1.23\tab \up0 \expndtw-1\charscalex100 1.94\tab \up0 \expndtw-1\c
harscalex100 -1.39\tab \up0 \expndtw-1\charscalex100 5.72\tab \up0 \expndtw-1\ch
arscalex100 3.79\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\t
x10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Ear
ning per share (D9/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1.40\tab \up0 \expndtw-1\charscalex100 3.84\tab \up0 \expndtw-1\charscale
x100 -5.69\tab \up0 \expndtw-1\charscalex100 1.28\tab \up0 \expndtw-1\charscalex
100 1.76\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult
0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C2e/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.07%\tab \up0 \expndt
w-1\charscalex100 0.02%\tab \up0 \expndtw-1\charscalex100 7.30%\tab \up0 \expndt
w-1\charscalex100 5.66%\tab \up0 \expndtw-1\charscalex100 2.75%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net investment in finance lease to t
otal assets (C1a/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 36.55%\tab \up0 \expndtw-1\charscalex100 0.47%\tab \up0 \expndtw-1\charscale

x100 35.97%\tab \up0 \expndtw-1\charscalex100 38.40%\tab \up0 \expndtw-1\charsca

lex100 41.78%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10
383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Curren
t assets to current liabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 1.11\tab \up0 \expndtw-1\charscalex100 2.37\tab
\up0 \expndtw-1\charscalex100 1.86\tab \up0 \expndtw-1\charscalex100 1.35\tab \u
p0 \expndtw-1\charscalex100 1.13\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Total liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.91\tab \up0 \expndtw-1\charscalex
100 0.91\tab \up0 \expndtw-1\charscalex100 0.92\tab \up0 \expndtw-1\charscalex10
0 0.92\tab \up0 \expndtw-1\charscalex100 0.90\par\pard\li900\sb15\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /lev
erage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx1027
8\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital
ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.09
%\tab \up0 \expndtw-1\charscalex100 0.09%\tab \up0 \expndtw-1\charscalex100 7.60
%\tab \up0 \expndtw-1\charscalex100 8.48%\tab \up0 \expndtw-1\charscalex100 9.91
%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per
share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10
.00\tab \up0 \expndtw-1\charscalex100 37.48\tab \up0 \expndtw-1\charscalex100 25
.32\tab \up0 \expndtw-1\charscalex100 24.57\tab \up0 \expndtw-1\charscalex100 26
.33\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi19
4\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Cash generated from operating activities to profit after ta
x. (E4/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 6.51\tab \up0 \expndtw-1\charscalex100 2.06\tab \up0 \expndtw-1\charscalex100
-5.76\tab \up0 \expndtw-1\charscalex100 9.02\tab \up0 \expndtw-1\charscalex100
5.54\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx114
63 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated
from operating activities to current liabilities (E4/B2) (times)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.24\tab \up0 \expndtw-1\charsc
alex100 0.11\tab \up0 \expndtw-1\charscalex100 0.36\tab \up0 \expndtw-1\charscal
ex100 0.11\tab \up0 \expndtw-1\charscalex100 0.09\par\pard\ql \li6127\sb0\sl-161
\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\s
lmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slm
ult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmul
t0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \
par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \pa
r\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\
pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pa
rd\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard
\ql\li6127\sb7\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 88
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g97}{\bkmkend Pg97}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 Pak-Gulf Leasing Company Limited\tab \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex
100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \ex
pndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expn
dtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\t
x9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 244,513\tab \up0 \expndtw-1\charscalex100 256,702\tab \up0 \expndtw1\charscalex100 333,766\tab \up0 \expndtw-1\charscalex100 346,117\tab \up0 \expn
dtw-1\charscalex100 364,255\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 193,698\tab \up0 \expndtw-1\charscalex100 193,698\tab \up0 \expndtw-1\chars
calex100 253,698\tab \up0 \expndtw-1\charscalex100 253,698\tab \up0 \expndtw-1\c
harscalex100 253,698\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27,410
\tab \up0 \expndtw-1\charscalex100 29,580\tab \up0 \expndtw-1\charscalex100 32,5
56\tab \up0 \expndtw-1\charscalex100 37,041\tab \up0 \expndtw-1\charscalex100 41
,785\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated
profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,
405\tab \up0 \expndtw-1\charscalex100 33,424\tab \up0 \expndtw-1\charscalex100 4
7,512\tab \up0 \expndtw-1\charscalex100 55,378\tab \up0 \expndtw-1\charscalex100
68,772\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26,716\tab \up0 \expn
dtw-1\charscalex100 24,871\tab \up0 \expndtw-1\charscalex100 47,865\tab \up0 \ex
pndtw-1\charscalex100 44,150\tab \up0 \expndtw-1\charscalex100 41,756\par\pard\l
i900\sb39\sl-155\slmult0\fi44\tx6918\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw

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\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 298,066\tab \up0 \ex
pndtw-1\charscalex100 282,308\tab \up0 \expndtw-1\charscalex100 324,924\tab \up0
\expndtw-1\charscalex100 309,837\tab \up0 \expndtw-1\charscalex100 410,023\par\
pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current liabilities (
a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 157,9
82\tab \up0 \expndtw-1\charscalex100 151,144\tab \up0 \expndtw-1\charscalex100 2
27,757\tab \up0 \expndtw-1\charscalex100 235,872\tab \up0 \expndtw-1\charscalex1
00 288,464\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7053\tx8357\tx9137\tx10293
\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Borrowing
s from financial and other institutions\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 8,582\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 25,000\tab \up0 \expndtw-1\charscalex100 8,333\tab \up0 \exp
ndtw-1\charscalex100 25,000\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6917\tx79
97\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 b.Deposit on finance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 128,636\tab \up0 \expndtw-1\charscalex100 129,971\tab \up0 \exp
ndtw-1\charscalex100 161,465\tab \up0 \expndtw-1\charscalex100 178,168\tab \up0
\expndtw-1\charscalex100 198,580\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6977
\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 c.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 20,764\tab \up0 \expndtw-1\charscalex100 21,173\tab \up0 \e
xpndtw-1\charscalex100 41,292\tab \up0 \expndtw-1\charscalex100 49,371\tab \up0
\expndtw-1\charscalex100 64,884\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\
tx7997\tx9137\tx10217\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 140,084\tab \up0 \expndtw-1\charscalex100 131,164\tab \up0 \expn
dtw-1\charscalex100 97,167\tab \up0 \expndtw-1\charscalex100 73,965\tab \up0 \ex
pndtw-1\charscalex100 121,559\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6917\tx7
997\tx9077\tx10157\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 C.Total assets (C1 + C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 569,295\tab \up0 \expndtw-1\charscalex100 563,881\tab \up0 \expn
dtw-1\charscalex100 706,555\tab \up0 \expndtw-1\charscalex100 700,104\tab \up0 \
expndtw-1\charscalex100 816,034\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6917\t
x7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 313,701\tab \up0 \expndtw-1\charscalex100 354,788\tab
\up0 \expndtw-1\charscalex100 473,944\tab \up0 \expndtw-1\charscalex100 447,104\
tab \up0 \expndtw-1\charscalex100 527,791\par\pard\li900\sb19\sl-161\slmult0\fi3
50\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 a.Net investment in finance lease\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 257,958\tab \up0 \expndtw-1\charscalex100
303,813\tab \up0 \expndtw-1\charscalex100 391,013\tab \up0 \expndtw-1\charscalex
100 366,450\tab \up0 \expndtw-1\charscalex100 450,676\par\pard\li900\sb19\sl-161
\slmult0\fi350\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 51,530\tab \up0 \expndtw-1\charscalex100 47,894\t
ab \up0 \expndtw-1\charscalex100 82,710\tab \up0 \expndtw-1\charscalex100 77,532
\tab \up0 \expndtw-1\charscalex100 73,978\par\pard\li900\sb19\sl-161\slmult0\fi3
50\tx7053\tx8133\tx9303\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 4,213\tab \up0 \expndtw-1\charscalex100 3,081\tab \up0
\expndtw-1\charscalex100 221\tab \up0 \expndtw-1\charscalex100 3,122\tab \up0 \e
xpndtw-1\charscalex100 3,137\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\tx7
997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 255,594\tab \up0 \expndtw-1\charscalex100 209,093\tab \up0 \expn
dtw-1\charscalex100 232,611\tab \up0 \expndtw-1\charscalex100 253,000\tab \up0 \
expndtw-1\charscalex100 288,243\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7277\

tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 a.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6917\tx7997\tx907
7\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.
Placement with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 236,923\tab \up0 \expndtw-1\charscalex100 181,497\tab \up0 \expndtw-1
\charscalex100 182,279\tab \up0 \expndtw-1\charscalex100 6,233\tab \up0 \expndtw
-1\charscalex100 2,237\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7277\tx8357\tx
9437\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
c.Term deposits certificate\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscale
x100 0\tab \up0 \expndtw-1\charscalex100 1,530\tab \up0 \expndtw-1\charscalex100
1,745\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7277\tx8357\tx9437\tx10517\tx1
1597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Other money m
arket placements\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \
up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li90
0\sb19\sl-161\slmult0\fi350\tx6917\tx7997\tx9077\tx10293\tx11373 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Cash & cash equivalent (a + b + c
+ d)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 236,923\ta
b \up0 \expndtw-1\charscalex100 181,497\tab \up0 \expndtw-1\charscalex100 182,27
9\tab \up0 \expndtw-1\charscalex100 7,763\tab \up0 \expndtw-1\charscalex100 3,98
2\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6977\tx8057\tx9137\tx10157\tx11237
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Other/misc. curren
t assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,671\
tab \up0 \expndtw-1\charscalex100 27,596\tab \up0 \expndtw-1\charscalex100 50,33
2\tab \up0 \expndtw-1\charscalex100 245,237\tab \up0 \expndtw-1\charscalex100 28
4,261\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmu
lt0\fi194\tx7277\tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 1.Income from finance lease\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \e
xpndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\
tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Income from operating lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 49,243\tab \up0 \expndtw-1\charscalex100 49,767\tab \up0 \expnd
tw-1\charscalex100 53,666\tab \up0 \expndtw-1\charscalex100 64,158\tab \up0 \exp
ndtw-1\charscalex100 64,474\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx80
57\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 3.Income from lease (D1 + D2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 49,243\tab \up0 \expndtw-1\charscalex100 49,767\tab \up0 \ex
pndtw-1\charscalex100 53,666\tab \up0 \expndtw-1\charscalex100 64,158\tab \up0 \
expndtw-1\charscalex100 64,474\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\t
x8223\tx9213\tx10293\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Income from investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 725\tab \up0 \expndtw-1\charscalex100 703\tab \up0 \expndtw-1
\charscalex100 5,184\tab \up0 \expndtw-1\charscalex100 4,738\tab \up0 \expndtw-1
\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7052\tx8223\tx9303\t
x10383\tx11372 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Oth
er income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,201\
tab \up0 \expndtw-1\charscalex100 150\tab \up0 \expndtw-1\charscalex100 349\tab
\up0 \expndtw-1\charscalex100 487\tab \up0 \expndtw-1\charscalex100 4,724\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Total income/revenue (D3 t
o D5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 51,169\tab
\up0 \expndtw-1\charscalex100 50,620\tab \up0 \expndtw-1\charscalex100 59,199\t
ab \up0 \expndtw-1\charscalex100 69,383\tab \up0 \expndtw-1\charscalex100 69,198

\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Administrative expe
nses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,405\tab
\up0 \expndtw-1\charscalex100 18,028\tab \up0 \expndtw-1\charscalex100 18,669\ta
b \up0 \expndtw-1\charscalex100 19,884\tab \up0 \expndtw-1\charscalex100 31,455\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8057\tx9137\tx10217\tx11297 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before
taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 500\ta
b \up0 \expndtw-1\charscalex100 12,164\tab \up0 \expndtw-1\charscalex100 23,023\
tab \up0 \expndtw-1\charscalex100 32,273\tab \up0 \expndtw-1\charscalex100 33,90
0\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7052\tx8057\tx9137\tx10217\tx11297
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) afte
r taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,660
\tab \up0 \expndtw-1\charscalex100 10,849\tab \up0 \expndtw-1\charscalex100 14,8
78\tab \up0 \expndtw-1\charscalex100 21,249\tab \up0 \expndtw-1\charscalex100 15
,528\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\t
x6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 19,370\tab \up0 \expndtw-1\charscalex100 19,370\tab \up
0 \expndtw-1\charscalex100 25,370\tab \up0 \expndtw-1\charscalex100 25,370\tab \
up0 \expndtw-1\charscalex100 25,370\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 5.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx916
8\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Stock dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8132\tx9090\tx10217\tx112
50 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated
from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 93,017\tab \up0 \expndtw-1\charscalex100 7,472\tab \up0 \expndtw-1\cha
rscalex100 (31,254)\tab \up0 \expndtw-1\charscalex100 43,228\tab \up0 \expndtw-1
\charscalex100 (48,250)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ra
tios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx1135
7 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity
(ROE) (D9/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.
09%\tab \up0 \expndtw-1\charscalex100 0.04%\tab \up0 \expndtw-1\charscalex100 4.
46%\tab \up0 \expndtw-1\charscalex100 6.14%\tab \up0 \expndtw-1\charscalex100 4.
26%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx1135
7 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capita
l employed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.12%\tab \up0 \expndtw-1\charscalex100 0.03%\tab \up0 \expndtw-1\
charscalex100 3.78%\tab \up0 \expndtw-1\charscalex100 5.15%\tab \up0 \expndtw-1\
charscalex100 4.88%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx919
7\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Return on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.47%\tab \up0 \expndtw-1\charscalex100 0.02%\tab \up0 \expndtw-1\
charscalex100 2.11%\tab \up0 \expndtw-1\charscalex100 3.04%\tab \up0 \expndtw-1\
charscalex100 1.90%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx913
7\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.
Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 5.20%\tab \up0 \expndtw-1\charscalex100 0.21%\tab \up0 \expndtw1\charscalex100 25.13%\tab \up0 \expndtw-1\charscalex100 30.63%\tab \up0 \expndt
w-1\charscalex100 22.44%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8117\
tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs

14 5.Lease income to total income (D3/D6)\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 96.24%\tab \up0 \expndtw-1\charscalex100 0.98%\tab \up
0 \expndtw-1\charscalex100 90.65%\tab \up0 \expndtw-1\charscalex100 92.47%\tab \
up0 \expndtw-1\charscalex100 93.17%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7
143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 6.Administrative expenses to profit before tax. (D7/D9) (times)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.17\tab \up0 \e
xpndtw-1\charscalex100 1.66\tab \up0 \expndtw-1\charscalex100 1.25\tab \up0 \exp
ndtw-1\charscalex100 0.94\tab \up0 \expndtw-1\charscalex100 2.03\par\pard\li900\
sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (D9/E1)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.14\tab \up0 \expndtw-1\
charscalex100 0.56\tab \up0 \expndtw-1\charscalex100 0.59\tab \up0 \expndtw-1\ch
arscalex100 0.84\tab \up0 \expndtw-1\charscalex100 0.61\par\pard\li900\sb14\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Li
quidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx10
277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash &
cash equivalent to total assets (C2e/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 41.62%\tab \up0 \expndtw-1\charscalex100 0.32%\tab \up0
\expndtw-1\charscalex100 25.80%\tab \up0 \expndtw-1\charscalex100 1.11%\tab \up
0 \expndtw-1\charscalex100 0.49%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977
\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Net investment in finance lease to total assets (C1a/C)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 45.31%\tab \up0 \expndtw-1\
charscalex100 0.54%\tab \up0 \expndtw-1\charscalex100 55.34%\tab \up0 \expndtw-1
\charscalex100 52.34%\tab \up0 \expndtw-1\charscalex100 55.23%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets to current liabilities
(C2/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.82\tab \up0 \expndtw-1\charscalex100 1.59\tab \up0 \expndtw-1\charscalex100 2
.39\tab \up0 \expndtw-1\charscalex100 3.42\tab \up0 \expndtw-1\charscalex100 2.3
7\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total liabilities
to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.52\tab \up0 \expndtw-1\charscalex100 0.50\tab \up0 \expndtw-1\ch
arscalex100 0.46\tab \up0 \expndtw-1\charscalex100 0.44\tab \up0 \expndtw-1\char
scalex100 0.50\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb0
\sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42.95%\tab \up0 \expndtw-1\charscal
ex100 0.46%\tab \up0 \expndtw-1\charscalex100 47.24%\tab \up0 \expndtw-1\charsca
lex100 49.44%\tab \up0 \expndtw-1\charscalex100 44.64%\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.62\tab \up0 \expndtw-1\cha
rscalex100 13.25\tab \up0 \expndtw-1\charscalex100 13.16\tab \up0 \expndtw-1\cha
rscalex100 13.64\tab \up0 \expndtw-1\charscalex100 14.36\par\pard\li900\sb15\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.C
ash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7083\tx8223\tx9239\tx10
383\tx11399 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash g
enerated from operating activities to profit after tax. (E4/D9) (times)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.97\tab \up0 \expndtw1\charscalex100 0.69\tab \up0 \expndtw-1\charscalex100 -2.10\tab \up0 \expndtw-1
\charscalex100 2.03\tab \up0 \expndtw-1\charscalex100 -3.11\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11399 \dn2 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities
to current liabilities (E4/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.66\tab \up0 \expndtw-1\charscalex100 0.06\tab \up0 \ex
pndtw-1\charscalex100 -0.32\tab \up0 \expndtw-1\charscalex100 0.58\tab \up0 \exp

ndtw-1\charscalex100 -0.40\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\l

i6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6
127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li612
7\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\
sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb
0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\
sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl
-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-1
61\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161
\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb7\sl-161\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 89
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g98}{\bkmkend Pg98}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 SME Leasing Limited\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx10158
\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ

ity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4

35,240\tab \up0 \expndtw-1\charscalex100 419,363\tab \up0 \expndtw-1\charscalex1
00 349,615\tab \up0 \expndtw-1\charscalex100 299,829\tab \up0 \expndtw-1\charsca
lex100 237,289\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Share
capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 320,000\
tab \up0 \expndtw-1\charscalex100 320,000\tab \up0 \expndtw-1\charscalex100 320,
000\tab \up0 \expndtw-1\charscalex100 320,000\tab \up0 \expndtw-1\charscalex100
320,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 115,240\tab \up0 \e
xpndtw-1\charscalex100 48,466\tab \up0 \expndtw-1\charscalex100 48,466\tab \up0
\expndtw-1\charscalex100 48,466\tab \up0 \expndtw-1\charscalex100 48,466\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8058\tx9090\tx10170\tx11190 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropriated profit/loss
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \exp
ndtw-1\charscalex100 50,897\tab \up0 \expndtw-1\charscalex100 (18,851)\tab \up0
\expndtw-1\charscalex100 (68,637)\tab \up0 \expndtw-1\charscalex100 (131,177)\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8084\tx9213\tx10293\tx11463 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscale
x100 (8,783)\tab \up0 \expndtw-1\charscalex100 1,649\tab \up0 \expndtw-1\charsca
lex100 3,835\tab \up0 \expndtw-1\charscalex100 184\par\pard\li900\sb39\sl-155\sl
mult0\fi44\tx6813\tx7893\tx8973\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1+ B2)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1,481,629\tab \up0 \expndtw-1\charscale
x100 1,569,329\tab \up0 \expndtw-1\charscalex100 1,239,513\tab \up0 \expndtw-1\c
harscalex100 685,972\tab \up0 \expndtw-1\charscalex100 552,010\par\pard\li900\sb
6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current liabilities (a + b + c)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 921,757\tab \up0 \
expndtw-1\charscalex100 895,907\tab \up0 \expndtw-1\charscalex100 529,821\tab \u
p0 \expndtw-1\charscalex100 297,074\tab \up0 \expndtw-1\charscalex100 98,820\par
\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Borrowings from financi
al and other institutions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 724,182\tab \up0 \expndtw-1\charscalex100 340,486\tab \up0 \expndtw-1\
charscalex100 98,236\tab \up0 \expndtw-1\charscalex100 12,659\tab \up0 \expndtw1\charscalex100 14,111\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7278\tx7998\tx
9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
b.Deposit on finance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 181,250\tab \up0 \expndtw-1\char
scalex100 428,318\tab \up0 \expndtw-1\charscalex100 280,353\tab \up0 \expndtw-1\
charscalex100 72,496\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx92
13\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c
.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 197,575\tab \up0 \expndtw-1\charscalex100 374,171\tab \up0 \expndtw-1\c
harscalex100 3,267\tab \up0 \expndtw-1\charscalex100 4,062\tab \up0 \expndtw-1\c
harscalex100 12,213\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx907
8\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 559,872\tab \up0 \expndtw-1\charscalex100 673,422\tab \up0 \expndtw-1\charsc
alex100 709,692\tab \up0 \expndtw-1\charscalex100 388,898\tab \up0 \expndtw-1\ch
arscalex100 453,190\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973
\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.T
otal assets (C1 + C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1,916,869\tab \up0 \expndtw-1\charscalex100 1,979,909\tab \up0 \expndtw-1\
charscalex100 1,590,777\tab \up0 \expndtw-1\charscalex100 989,636\tab \up0 \expn
dtw-1\charscalex100 789,483\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx789
3\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\

fs14 1.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nos

upersub\cf56\f57\fs12 1,260,940\tab \up0 \expndtw-1\charscalex100 1,221,954\tab
\up0 \expndtw-1\charscalex100 957,777\tab \up0 \expndtw-1\charscalex100 470,485\
tab \up0 \expndtw-1\charscalex100 207,162\par\pard\li900\sb19\sl-161\slmult0\fi3
50\tx6813\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 a.Net investment in finance lease\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 1,206,948\tab \up0 \expndtw-1\charscalex10
0 1,146,981\tab \up0 \expndtw-1\charscalex100 907,451\tab \up0 \expndtw-1\charsc
alex100 432,543\tab \up0 \expndtw-1\charscalex100 158,289\par\pard\li900\sb19\sl
-161\slmult0\fi350\tx6978\tx8133\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 11,240\tab \up0 \expndtw-1\charscalex100 9,71
1\tab \up0 \expndtw-1\charscalex100 13,861\tab \up0 \expndtw-1\charscalex100 23,
402\tab \up0 \expndtw-1\charscalex100 23,017\par\pard\li900\sb19\sl-161\slmult0\
fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 42,752\tab \up0 \expndtw-1\charscalex100 65,262\tab
\up0 \expndtw-1\charscalex100 36,465\tab \up0 \expndtw-1\charscalex100 14,540\ta
b \up0 \expndtw-1\charscalex100 25,856\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 655,929\tab \up0 \expndtw-1\charscalex100 757,955\tab
\up0 \expndtw-1\charscalex100 633,000\tab \up0 \expndtw-1\charscalex100 519,151\
tab \up0 \expndtw-1\charscalex100 582,321\par\pard\li900\sb19\sl-161\slmult0\fi3
50\tx6978\tx8058\tx9378\tx10458\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 a.Cash and balances with treasury banks\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,705\tab \up0 \expndtw-1\charscale
x100 33,964\tab \up0 \expndtw-1\charscalex100 36\tab \up0 \expndtw-1\charscalex1
00 26\tab \up0 \expndtw-1\charscalex100 9\par\pard\li900\sb19\sl-161\slmult0\fi3
50\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 b.Placement with other banks\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 569,842\tab \up0 \expndtw-1\charscalex100 31,30
8\tab \up0 \expndtw-1\charscalex100 22,411\tab \up0 \expndtw-1\charscalex100 11,
877\tab \up0 \expndtw-1\charscalex100 10,407\par\pard\li900\sb19\sl-161\slmult0\
fi350\tx7278\tx8358\tx9438\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 c.Term deposits certificate\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up
0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 28,660\tab \up0 \
expndtw-1\charscalex100 3,864\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7278\tx
8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 d.Other money market placements\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsc
alex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Cash & cas
h equivalent (a + b + c + d)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 593,547\tab \up0 \expndtw-1\charscalex100 65,272\tab \up0 \expndtw1\charscalex100 22,447\tab \up0 \expndtw-1\charscalex100 40,563\tab \up0 \expndt
w-1\charscalex100 14,280\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6978\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 f.Other/misc. current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 62,382\tab \up0 \expndtw-1\charscalex100 692,683\tab \up0 \expnd
tw-1\charscalex100 610,553\tab \up0 \expndtw-1\charscalex100 478,588\tab \up0 \e
xpndtw-1\charscalex100 568,041\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\p
ard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income from finance lease\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 155,282\tab \up0
\expndtw-1\charscalex100 134,241\tab \up0 \expndtw-1\charscalex100 104,603\tab
\up0 \expndtw-1\charscalex100 73,469\tab \up0 \expndtw-1\charscalex100 44,260\pa

r\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8358\tx9438\tx10293\tx11597 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Income from operating
lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 272\tab \u
p0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 1,079\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10217\tx11297 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 155,554\tab \up0 \expndtw1\charscalex100 134,241\tab \up0 \expndtw-1\charscalex100 104,603\tab \up0 \expn
dtw-1\charscalex100 74,548\tab \up0 \expndtw-1\charscalex100 44,260\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx7143\tx8133\tx9164\tx10517\tx11597 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income from investments\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 250\tab \up0 \expndtw-1\
charscalex100 5,663\tab \up0 \expndtw-1\charscalex100 (4,674)\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 15,954\tab \up0 \expndtw-1\charscalex100 15,951\t
ab \up0 \expndtw-1\charscalex100 19,268\tab \up0 \expndtw-1\charscalex100 11,043
\tab \up0 \expndtw-1\charscalex100 15,459\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6917\tx7997\tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 171,758\tab \up0 \expndtw-1\charscalex100
155,855\tab \up0 \expndtw-1\charscalex100 119,197\tab \up0 \expndtw-1\charscalex
100 85,591\tab \up0 \expndtw-1\charscalex100 59,719\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 46,856\tab \up0 \expndtw-1\charscalex100
43,631\tab \up0 \expndtw-1\charscalex100 47,631\tab \up0 \expndtw-1\charscalex1
00 44,709\tab \up0 \expndtw-1\charscalex100 47,250\par\pard\li900\sb19\sl-161\sl
mult0\fi194\tx6977\tx8133\tx9090\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35,109\tab \up0 \expndtw-1\charscal
ex100 2,275\tab \up0 \expndtw-1\charscalex100 (70,560)\tab \up0 \expndtw-1\chars
calex100 (47,388)\tab \up0 \expndtw-1\charscalex100 (61,943)\par\pard\li900\sb19
\sl-161\slmult0\fi194\tx6977\tx8133\tx9090\tx10170\tx11250 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30,667\tab \up0 \expndtw-1
\charscalex100 7,711\tab \up0 \expndtw-1\charscalex100 (69,748)\tab \up0 \expndt
w-1\charscalex100 (49,786)\tab \up0 \expndtw-1\charscalex100 (62,540)\par\pard\l
i900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6917\tx7997\tx
9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 320,000\tab \up0 \expndtw-1\charscalex100 320,000\tab \up0 \expndtw-1\
charscalex100 32,000\tab \up0 \expndtw-1\charscalex100 32,000\tab \up0 \expndtw1\charscalex100 32,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx
9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx1
1328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividen
d\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard
\li900\sb19\sl-161\slmult0\fi194\tx6870\tx8057\tx9077\tx10157\tx11297 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operatin
g activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (10
2,504)\tab \up0 \expndtw-1\charscalex100 92,656\tab \up0 \expndtw-1\charscalex10

0 236,228\tab \up0 \expndtw-1\charscalex100 231,733\tab \up0 \expndtw-1\charscal

ex100 31,297\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pa
rd\li900\sb1\sl-161\slmult0\fi194\tx7037\tx8117\tx9059\tx10139\tx11219 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D9/
A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.05%\tab \up
0 \expndtw-1\charscalex100 0.02%\tab \up0 \expndtw-1\charscalex100 -19.95%\tab \
up0 \expndtw-1\charscalex100 -16.60%\tab \up0 \expndtw-1\charscalex100 -26.36%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9135\tx10215\tx11219 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital emp
loyed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2.59%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\chars
calex100 -8.01%\tab \up0 \expndtw-1\charscalex100 -7.89%\tab \up0 \expndtw-1\cha
rscalex100 -18.42%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9135
\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.R
eturn on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1.60%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c
harscalex100 -4.38%\tab \up0 \expndtw-1\charscalex100 -5.03%\tab \up0 \expndtw-1
\charscalex100 -7.92%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\tx8117\tx9
059\tx10139\tx11159 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 17.85%\tab \up0 \expndtw-1\charscalex100 0.05%\tab \up0 \expnd
tw-1\charscalex100 -58.51%\tab \up0 \expndtw-1\charscalex100 -58.17%\tab \up0 \e
xpndtw-1\charscalex100 -104.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\
tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 5.Lease income to total income (D3/D6)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 90.57%\tab \up0 \expndtw-1\charscalex100 0.86%\
tab \up0 \expndtw-1\charscalex100 87.76%\tab \up0 \expndtw-1\charscalex100 87.10
%\tab \up0 \expndtw-1\charscalex100 74.11%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx7143\tx8223\tx9239\tx10319\tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 6.Administrative expenses to profit before tax. (D7/D9) (
times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.53\tab
\up0 \expndtw-1\charscalex100 5.66\tab \up0 \expndtw-1\charscalex100 -0.68\tab \
up0 \expndtw-1\charscalex100 -0.90\tab \up0 \expndtw-1\charscalex100 -0.76\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10319\tx11399 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (D9/E1)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.10\tab \up0 \
expndtw-1\charscalex100 0.02\tab \up0 \expndtw-1\charscalex100 -2.18\tab \up0 \e
xpndtw-1\charscalex100 -1.56\tab \up0 \expndtw-1\charscalex100 -1.95\par\pard\li
900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx811
7\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Cash & cash equivalent to total assets (C2e/C)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 30.96%\tab \up0 \expndtw-1\charscalex100 0
.03%\tab \up0 \expndtw-1\charscalex100 1.41%\tab \up0 \expndtw-1\charscalex100 4
.10%\tab \up0 \expndtw-1\charscalex100 1.81%\par\pard\li900\sb19\sl-161\slmult0\
fi194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Net investment in finance lease to total assets (C1a/C)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 62.96%\tab \up0
\expndtw-1\charscalex100 0.58%\tab \up0 \expndtw-1\charscalex100 57.04%\tab \up
0 \expndtw-1\charscalex100 43.71%\tab \up0 \expndtw-1\charscalex100 20.05%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets to current
liabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1.17\tab \up0 \expndtw-1\charscalex100 1.13\tab \up0 \expndtw-1\cha
rscalex100 0.89\tab \up0 \expndtw-1\charscalex100 1.33\tab \up0 \expndtw-1\chars
calex100 1.28\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10
383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total
liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.77\tab \up0 \expndtw-1\charscalex100 0.79\tab \up0 \

expndtw-1\charscalex100 0.78\tab \up0 \expndtw-1\charscalex100 0.69\tab \up0 \ex

pndtw-1\charscalex100 0.70\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pa
rd\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22.71%\tab \up0 \expndt
w-1\charscalex100 0.21%\tab \up0 \expndtw-1\charscalex100 21.98%\tab \up0 \expnd
tw-1\charscalex100 30.30%\tab \up0 \expndtw-1\charscalex100 30.06%\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9243\tx10383\tx11463 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.36\tab \up0 \ex
pndtw-1\charscalex100 1.31\tab \up0 \expndtw-1\charscalex100 10.93\tab \up0 \exp
ndtw-1\charscalex100 9.37\tab \up0 \expndtw-1\charscalex100 7.42\par\pard\li900\
sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7079\tx8163\tx9
239\tx10319\tx11399 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash generated from operating activities to profit after tax. (E4/D9) (times)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.34\tab \up0 \
expndtw-1\charscalex100 12.02\tab \up0 \expndtw-1\charscalex100 -3.39\tab \up0 \
expndtw-1\charscalex100 -4.65\tab \up0 \expndtw-1\charscalex100 -0.50\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7079\tx8223\tx9303\tx10383\tx11463 \dn2 \expndt
w-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating
activities to current liabilities (E4/B2) (times)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 -0.18\tab \up0 \expndtw-1\charscalex100 0.14\t
ab \up0 \expndtw-1\charscalex100 0.33\tab \up0 \expndtw-1\charscalex100 0.60\tab
\up0 \expndtw-1\charscalex100 0.07\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\
pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pa
rd\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard
\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\q
l\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\
li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li
6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li61
27\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127
\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\s
b0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb7
\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 90
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g99}{\bkmkend Pg99}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\sl184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53\f
s16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\par\
pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\no
supersub\cf57\f58\fs24 Saudi Pak Leasing Company Limited\tab \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl
-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscale
x100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \e
xpndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \exp
ndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\
tx9078\tx10110\tx11190 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 653,642\tab \up0 \expndtw-1\charscalex100 684,097\tab \up0 \expndtw
-1\charscalex100 217,148\tab \up0 \expndtw-1\charscalex100 (123,738)\tab \up0 \e
xpndtw-1\charscalex100 (239,548)\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 430,100\tab \up0 \expndtw-1\charscalex100 451,605\tab \up0 \expndtw-1\
charscalex100 451,605\tab \up0 \expndtw-1\charscalex100 451,605\tab \up0 \expndt
w-1\charscalex100 451,605\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
36,164\tab \up0 \expndtw-1\charscalex100 150,857\tab \up0 \expndtw-1\charscalex1
00 148,257\tab \up0 \expndtw-1\charscalex100 148,257\tab \up0 \expndtw-1\charsca
lex100 148,257\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx1
0110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un ap
propriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 87,378\tab \up0 \expndtw-1\charscalex100 81,635\tab \up0 \expndtw-1\chars
calex100 (382,714)\tab \up0 \expndtw-1\charscalex100 (723,600)\tab \up0 \expndtw
-1\charscalex100 (839,410)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx795
0\tx9030\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (1
5,305)\tab \up0 \expndtw-1\charscalex100 (136,762)\tab \up0 \expndtw-1\charscale
x100 (144,934)\tab \up0 \expndtw-1\charscalex100 25,261\tab \up0 \expndtw-1\char
scalex100 23,664\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx
10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Tota
l liabilities (B1+ B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 5,899,994\tab \up0 \expndtw-1\charscalex100 6,888,051\tab \up0 \expndtw-1
\charscalex100 5,830,720\tab \up0 \expndtw-1\charscalex100 4,569,990\tab \up0 \e
xpndtw-1\charscalex100 3,378,209\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Non-current liabilities (a + b + c)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 2,028,497\tab \up0 \expndtw-1\charscalex100 2,44
1,650\tab \up0 \expndtw-1\charscalex100 2,648,890\tab \up0 \expndtw-1\charscalex
100 1,769,358\tab \up0 \expndtw-1\charscalex100 1,100,629\par\pard\li900\sb19\sl
-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10158\tx11598 \dn2 \expndtw-2\charscal

ex100 \ul0\nosupersub\cf51\f52\fs14 a.Borrowings from financial and other instit

utions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up
0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expnd
tw-1\charscalex100 632,000\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb
19\sl-161\slmult0\fi350\tx6918\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Deposit on finance lease\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 846,942\tab \up0 \expndtw-1\
charscalex100 1,070,376\tab \up0 \expndtw-1\charscalex100 876,653\tab \up0 \expn
dtw-1\charscalex100 692,925\tab \up0 \expndtw-1\charscalex100 164,269\par\pard\l
i900\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10158\tx11238 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other/misc. liabilities\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,181,555\tab \up0 \ex
pndtw-1\charscalex100 1,371,274\tab \up0 \expndtw-1\charscalex100 1,772,237\tab
\up0 \expndtw-1\charscalex100 444,433\tab \up0 \expndtw-1\charscalex100 936,360\
par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Current liabilities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,871,497\tab \u
p0 \expndtw-1\charscalex100 4,446,401\tab \up0 \expndtw-1\charscalex100 3,181,83
0\tab \up0 \expndtw-1\charscalex100 2,800,632\tab \up0 \expndtw-1\charscalex100
2,277,580\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\t
x11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total asset
s (C1 + C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,53
8,331\tab \up0 \expndtw-1\charscalex100 7,435,386\tab \up0 \expndtw-1\charscalex
100 5,902,934\tab \up0 \expndtw-1\charscalex100 4,471,513\tab \up0 \expndtw-1\ch
arscalex100 3,162,325\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx89
73\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2,610,090\tab \up0 \expndtw-1\charscalex100 3,313,267\tab \up0 \
expndtw-1\charscalex100 2,233,638\tab \up0 \expndtw-1\charscalex100 1,408,863\ta
b \up0 \expndtw-1\charscalex100 765,287\par\pard\li900\sb19\sl-161\slmult0\fi350
\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 a.Net investment in finance lease\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 2,281,114\tab \up0 \expndtw-1\charscalex100
2,941,966\tab \up0 \expndtw-1\charscalex100 1,880,876\tab \up0 \expndtw-1\charsc
alex100 1,069,278\tab \up0 \expndtw-1\charscalex100 453,840\par\pard\li900\sb19\
sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 208,861\tab \up0 \expndtw-1\charscalex100 2
56,383\tab \up0 \expndtw-1\charscalex100 260,795\tab \up0 \expndtw-1\charscalex1
00 119,283\tab \up0 \expndtw-1\charscalex100 99,760\par\pard\li900\sb19\sl-161\s
lmult0\fi350\tx6918\tx7998\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 120,115\tab \up0 \expndtw-1\charscalex100 114
,918\tab \up0 \expndtw-1\charscalex100 91,967\tab \up0 \expndtw-1\charscalex100
220,302\tab \up0 \expndtw-1\charscalex100 211,687\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 3,928,241\tab \up0 \expndtw-1\charscalex100
4,122,119\tab \up0 \expndtw-1\charscalex100 3,669,296\tab \up0 \expndtw-1\chars
calex100 3,062,650\tab \up0 \expndtw-1\charscalex100 2,397,038\par\pard\li900\sb
19\sl-161\slmult0\fi350\tx7143\tx8058\tx9138\tx10458\tx11538 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and balances with treasury banks
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 306\tab \up0 \e
xpndtw-1\charscalex100 49,704\tab \up0 \expndtw-1\charscalex100 14,125\tab \up0
\expndtw-1\charscalex100 30\tab \up0 \expndtw-1\charscalex100 36\par\pard\li900\
sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Placement with other banks\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 955,381\tab \up0 \expndt
w-1\charscalex100 419,779\tab \up0 \expndtw-1\charscalex100 108,866\tab \up0 \ex
pndtw-1\charscalex100 18,511\tab \up0 \expndtw-1\charscalex100 31,665\par\pard\l

i900\sb19\sl-161\slmult0\fi350\tx6918\tx8058\tx9213\tx10158\tx11238 \dn2 \expndt

w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Term deposits certificate\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 407,294\tab \up0 \ex
pndtw-1\charscalex100 11,250\tab \up0 \expndtw-1\charscalex100 1,013\tab \up0 \e
xpndtw-1\charscalex100 184,682\tab \up0 \expndtw-1\charscalex100 184,144\par\par
d\li900\sb19\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Other money market placemen
ts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\
slmult0\fi350\tx6813\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 e.Cash & cash equivalent (a + b + c + d)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,362,981\tab \up0 \expn
dtw-1\charscalex100 480,733\tab \up0 \expndtw-1\charscalex100 124,004\tab \up0 \
expndtw-1\charscalex100 203,223\tab \up0 \expndtw-1\charscalex100 215,845\par\pa
rd\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Other/misc. current assets
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,565,260\tab \
up0 \expndtw-1\charscalex100 3,641,386\tab \up0 \expndtw-1\charscalex100 3,545,2
92\tab \up0 \expndtw-1\charscalex100 2,859,427\tab \up0 \expndtw-1\charscalex100
2,181,193\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161
\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Income from finance lease\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 442,389\tab \up0 \expndtw-1\charscal
ex100 479,905\tab \up0 \expndtw-1\charscalex100 437,132\tab \up0 \expndtw-1\char
scalex100 277,855\tab \up0 \expndtw-1\charscalex100 135,665\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Income from operating lease\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,237\tab \up0 \expndtw-1\c
harscalex100 74,835\tab \up0 \expndtw-1\charscalex100 62,221\tab \up0 \expndtw-1
\charscalex100 25,474\tab \up0 \expndtw-1\charscalex100 9,968\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 480,626\tab \up0 \expndtw1\charscalex100 554,740\tab \up0 \expndtw-1\charscalex100 499,353\tab \up0 \expn
dtw-1\charscalex100 303,329\tab \up0 \expndtw-1\charscalex100 145,633\par\pard\l
i900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income from investments\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\f
i194\tx6918\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 241,056\tab \up0 \expndtw-1\charscalex100 316,561\tab \up0
\expndtw-1\charscalex100 177,970\tab \up0 \expndtw-1\charscalex100 132,554\tab \
up0 \expndtw-1\charscalex100 73,932\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 721,682\tab \up0 \expndtw-1\charscalex100 871,30
1\tab \up0 \expndtw-1\charscalex100 677,323\tab \up0 \expndtw-1\charscalex100 43
5,883\tab \up0 \expndtw-1\charscalex100 219,565\par\pard\li900\sb19\sl-161\slmul
t0\fi194\tx6918\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 100,664\tab \up0 \expndtw-1\charscalex100 10
5,283\tab \up0 \expndtw-1\charscalex100 112,291\tab \up0 \expndtw-1\charscalex10
0 97,227\tab \up0 \expndtw-1\charscalex100 90,227\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 70,698\tab \up0 \expndtw-1\charscale

x100 90,865\tab \up0 \expndtw-1\charscalex100 (527,197)\tab \up0 \expndtw-1\char

scalex100 (419,636)\tab \up0 \expndtw-1\charscalex100 (165,937)\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx10110\tx11190 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54,198\tab \up0 \expndt
w-1\charscalex100 73,465\tab \up0 \expndtw-1\charscalex100 (458,059)\tab \up0 \e
xpndtw-1\charscalex100 (342,754)\tab \up0 \expndtw-1\charscalex100 (117,678)\par
\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 43,010\tab \up0 \expndtw-1\charscalex100 45,160\tab \up0 \expnd
tw-1\charscalex100 45,160\tab \up0 \expndtw-1\charscalex100 45,160\tab \up0 \exp
ndtw-1\charscalex100 45,160\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6933\tx80
88\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 10.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charsca
lex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charsca
lex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx102
48\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock d
ividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.05%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\ta
b \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\pa
r\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9078\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from op
erating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 (618,070)\tab \up0 \expndtw-1\charscalex100 (240,840)\tab \up0 \expndtw-1\cha
rscalex100 823,319\tab \up0 \expndtw-1\charscalex100 930,274\tab \up0 \expndtw-1
\charscalex100 935,483\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability rat
ios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7038\tx8118\tx9000\tx10143\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity
(ROE) (D9/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.2
9%\tab \up0 \expndtw-1\charscalex100 0.11%\tab \up0 \expndtw-1\charscalex100 -21
0.94%\tab \up0 \expndtw-1\charscalex100 277.00%\tab \up0 \expndtw-1\charscalex10
0 49.13%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9060\tx10140\t
x11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on c
apital employed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 2.65%\tab \up0 \expndtw-1\charscalex100 0.03%\tab \up0 \expnd
tw-1\charscalex100 -19.37%\tab \up0 \expndtw-1\charscalex100 -25.11%\tab \up0 \e
xpndtw-1\charscalex100 -18.76%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\t
x8118\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Return on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0.83%\tab \up0 \expndtw-1\charscalex100 0.01%\tab \up0
\expndtw-1\charscalex100 -7.76%\tab \up0 \expndtw-1\charscalex100 -7.67%\tab \up
0 \expndtw-1\charscalex100 -3.72%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx703
8\tx8118\tx9060\tx10140\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 7.51%\tab \up0 \expndtw-1\charscalex100 0.08%\tab
\up0 \expndtw-1\charscalex100 -67.63%\tab \up0 \expndtw-1\charscalex100 -78.63%\
tab \up0 \expndtw-1\charscalex100 -53.60%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6978\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 5.Lease income to total income (D3/D6)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 66.60%\tab \up0 \expndtw-1\charscalex
100 0.64%\tab \up0 \expndtw-1\charscalex100 73.72%\tab \up0 \expndtw-1\charscale
x100 69.59%\tab \up0 \expndtw-1\charscalex100 66.33%\par\pard\li900\sb19\sl-161\
slmult0\fi194\tx7143\tx8223\tx9240\tx10320\tx11400 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Administrative expenses to profit before tax.
(D7/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.86\tab \up0 \expndtw-1\charscalex100 1.43\tab \up0 \expndtw-1\charscalex100 -

0.25\tab \up0 \expndtw-1\charscalex100 -0.28\tab \up0 \expndtw-1\charscalex100 0.77\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9164\tx10320\tx114

00 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per sha
re (D9/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.26\
tab \up0 \expndtw-1\charscalex100 1.63\tab \up0 \expndtw-1\charscalex100 -10.14\
tab \up0 \expndtw-1\charscalex100 -7.59\tab \up0 \expndtw-1\charscalex100 -2.61\
par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\t
x6978\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C2e/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.85%\tab \up0 \expndtw-1\char
scalex100 0.07%\tab \up0 \expndtw-1\charscalex100 2.10%\tab \up0 \expndtw-1\char
scalex100 4.54%\tab \up0 \expndtw-1\charscalex100 6.83%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6978\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Net investment in finance lease to total ass
ets (C1a/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34.8
9%\tab \up0 \expndtw-1\charscalex100 0.40%\tab \up0 \expndtw-1\charscalex100 31.
86%\tab \up0 \expndtw-1\charscalex100 23.91%\tab \up0 \expndtw-1\charscalex100 1
4.35%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11
463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets
to current liabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 1.01\tab \up0 \expndtw-1\charscalex100 0.93\tab \up0 \ex
pndtw-1\charscalex100 1.15\tab \up0 \expndtw-1\charscalex100 1.09\tab \up0 \expn
dtw-1\charscalex100 1.05\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\
tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Total liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.90\tab \up0 \expndtw-1\charscalex100 0.93
\tab \up0 \expndtw-1\charscalex100 0.99\tab \up0 \expndtw-1\charscalex100 1.02\t
ab \up0 \expndtw-1\charscalex100 1.07\par\pard\li900\sb15\sl-184\slmult0\fi44 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ra
tios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10215\tx1129
5 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00%\tab \
up0 \expndtw-1\charscalex100 0.09%\tab \up0 \expndtw-1\charscalex100 3.68%\tab \
up0 \expndtw-1\charscalex100 -2.77%\tab \up0 \expndtw-1\charscalex100 -7.58%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10320\tx11400 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per shar
e (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.20\t
ab \up0 \expndtw-1\charscalex100 15.15\tab \up0 \expndtw-1\charscalex100 4.81\ta
b \up0 \expndtw-1\charscalex100 -2.74\tab \up0 \expndtw-1\charscalex100 -5.30\pa
r\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx70
04\tx8160\tx9240\tx10320\tx11400 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Cash generated from operating activities to profit after tax. (E4
/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -11
.40\tab \up0 \expndtw-1\charscalex100 -3.28\tab \up0 \expndtw-1\charscalex100 -1
.80\tab \up0 \expndtw-1\charscalex100 -2.71\tab \up0 \expndtw-1\charscalex100 -7
.95\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\tx10383\tx1146
3 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated f
rom operating activities to current liabilities (E4/B2) (times)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.16\tab \up0 \expndtw-1\charsc
alex100 -0.05\tab \up0 \expndtw-1\charscalex100 0.26\tab \up0 \expndtw-1\charsca
lex100 0.33\tab \up0 \expndtw-1\charscalex100 0.41\par\pard\ql \li6127\sb0\sl-16
1\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\
slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\sl
mult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmu
lt0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult
0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \p
ar\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par

\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\p

ard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\par
d\ql\li6127\sb7\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 91
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g100}{\bkmkend Pg100}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Security Leasing Corporation Limited\tab \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\s
b1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\char
scalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \u
p0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0
\expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx
7998\tx9078\tx10218\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 603,561\tab \up0 \expndtw-1\charscalex100 592,370\tab \up0 \ex
pndtw-1\charscalex100 215,787\tab \up0 \expndtw-1\charscalex100 59,449\tab \up0
\expndtw-1\charscalex100 107,003\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 513,000\tab \up0 \expndtw-1\charscalex100 475,500\tab \up0 \expndtw-1\

charscalex100 438,028\tab \up0 \expndtw-1\charscalex100 438,028\tab \up0 \expndt

w-1\charscalex100 438,028\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7
6,506\tab \up0 \expndtw-1\charscalex100 118,867\tab \up0 \expndtw-1\charscalex10
0 118,867\tab \up0 \expndtw-1\charscalex100 118,867\tab \up0 \expndtw-1\charscal
ex100 118,867\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8084\tx9030\tx10
110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un app
ropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 14,055\tab \up0 \expndtw-1\charscalex100 (1,997)\tab \up0 \expndtw-1\chars
calex100 (341,108)\tab \up0 \expndtw-1\charscalex100 (497,446)\tab \up0 \expndtw
-1\charscalex100 (449,892)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6930\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (3
3,407)\tab \up0 \expndtw-1\charscalex100 23,776\tab \up0 \expndtw-1\charscalex10
0 22,547\tab \up0 \expndtw-1\charscalex100 21,319\tab \up0 \expndtw-1\charscalex
100 24,830\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liab
ilities (B1+ B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
4,830,329\tab \up0 \expndtw-1\charscalex100 4,961,128\tab \up0 \expndtw-1\chars
calex100 3,727,834\tab \up0 \expndtw-1\charscalex100 2,668,937\tab \up0 \expndtw
-1\charscalex100 1,704,673\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Non-current liabilities (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 2,461,165\tab \up0 \expndtw-1\charscalex100 2,632,668\
tab \up0 \expndtw-1\charscalex100 1,812,607\tab \up0 \expndtw-1\charscalex100 1,
432,902\tab \up0 \expndtw-1\charscalex100 919,091\par\pard\li900\sb19\sl-161\slm
ult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 a.Borrowings from financial and other institutions\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,518,750\tab \up
0 \expndtw-1\charscalex100 1,602,207\tab \up0 \expndtw-1\charscalex100 1,157,747
\tab \up0 \expndtw-1\charscalex100 1,147,358\tab \up0 \expndtw-1\charscalex100 6
86,036\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7893\tx9078\tx10158\tx1
1238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Deposit on fi
nance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 939,
829\tab \up0 \expndtw-1\charscalex100 1,027,875\tab \up0 \expndtw-1\charscalex10
0 654,860\tab \up0 \expndtw-1\charscalex100 285,544\tab \up0 \expndtw-1\charscal
ex100 233,055\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7053\tx8133\tx9437\tx10
517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other/
misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 2,586\tab \up0 \expndtw-1\charscalex100 2,586\tab \up0 \expndtw-1\charscalex10
0 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\
pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11237 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Current liabilities\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,369,164\tab \up0 \
expndtw-1\charscalex100 2,328,460\tab \up0 \expndtw-1\charscalex100 1,915,227\ta
b \up0 \expndtw-1\charscalex100 1,236,035\tab \up0 \expndtw-1\charscalex100 785,
582\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1
+ C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,400,483\
tab \up0 \expndtw-1\charscalex100 5,577,274\tab \up0 \expndtw-1\charscalex100 3,
966,168\tab \up0 \expndtw-1\charscalex100 2,749,705\tab \up0 \expndtw-1\charscal
ex100 1,836,506\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1
0053\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-c
urrent assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 3,001,377\tab \up0 \expndtw-1\charscalex100 3,108,830\tab \up0 \expndt
w-1\charscalex100 2,010,853\tab \up0 \expndtw-1\charscalex100 1,114,513\tab \up0
\expndtw-1\charscalex100 739,448\par\pard\li900\sb19\sl-161\slmult0\fi350\tx681
3\tx7893\tx8973\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 a.Net investment in finance lease\tab \up0 \expndtw-1\charscalex100

\ul0\nosupersub\cf56\f57\fs12 2,467,054\tab \up0 \expndtw-1\charscalex100 2,302,

632\tab \up0 \expndtw-1\charscalex100 1,222,343\tab \up0 \expndtw-1\charscalex10
0 494,912\tab \up0 \expndtw-1\charscalex100 328,129\par\pard\li900\sb19\sl-161\s
lmult0\fi350\tx6917\tx7997\tx9077\tx10157\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 209,844\tab \up0 \expndtw-1\charscalex100 246,681\t
ab \up0 \expndtw-1\charscalex100 204,684\tab \up0 \expndtw-1\charscalex100 161,3
14\tab \up0 \expndtw-1\charscalex100 13,844\par\pard\li900\sb19\sl-161\slmult0\f
i350\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 324,479\tab \up0 \expndtw-1\charscalex100 559,517\tab
\up0 \expndtw-1\charscalex100 583,826\tab \up0 \expndtw-1\charscalex100 458,287
\tab \up0 \expndtw-1\charscalex100 397,475\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 2,399,106\tab \up0 \expndtw-1\charscalex100 2,468,
444\tab \up0 \expndtw-1\charscalex100 1,955,315\tab \up0 \expndtw-1\charscalex10
0 1,635,192\tab \up0 \expndtw-1\charscalex100 1,097,058\par\pard\li900\sb19\sl-1
61\slmult0\fi350\tx6977\tx8297\tx9437\tx10457\tx11537 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and balances with treasury banks\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39,110\tab \up0 \expnd
tw-1\charscalex100 60\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 34\tab \up0 \expndtw-1\charscalex100 22\par\pard\li900\sb19\sl-161\s
lmult0\fi350\tx7277\tx8057\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 b.Placement with other banks\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 3
8,634\tab \up0 \expndtw-1\charscalex100 3,750\tab \up0 \expndtw-1\charscalex100
2,517\tab \up0 \expndtw-1\charscalex100 7,059\par\pard\li900\sb19\sl-161\slmult0
\fi350\tx6977\tx8133\tx9303\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 c.Term deposits certificate\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 20,743\tab \up0 \expndtw-1\charscalex100 4,8
14\tab \up0 \expndtw-1\charscalex100 680\tab \up0 \expndtw-1\charscalex100 1,305
\tab \up0 \expndtw-1\charscalex100 9,110\par\pard\li900\sb19\sl-161\slmult0\fi35
0\tx6917\tx7997\tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 d.Other money market placements\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 396,770\tab \up0 \expndtw-1\charscalex100 305
,665\tab \up0 \expndtw-1\charscalex100 101,354\tab \up0 \expndtw-1\charscalex100
12,643\tab \up0 \expndtw-1\charscalex100 22,000\par\pard\li900\sb19\sl-161\slmu
lt0\fi350\tx6917\tx7997\tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 e.Cash & cash equivalent (a + b + c + d)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 456,623\tab \up0 \expndtw-1\
charscalex100 349,173\tab \up0 \expndtw-1\charscalex100 105,784\tab \up0 \expndt
w-1\charscalex100 16,499\tab \up0 \expndtw-1\charscalex100 38,191\par\pard\li900
\sb19\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Other/misc. current assets\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,942,483\tab \up0 \exp
ndtw-1\charscalex100 2,119,271\tab \up0 \expndtw-1\charscalex100 1,849,531\tab \
up0 \expndtw-1\charscalex100 1,618,693\tab \up0 \expndtw-1\charscalex100 1,058,8
67\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\slmult0
\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Income from finance lease\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 380,357\tab \up0 \expndtw-1\charscalex100 38
3,218\tab \up0 \expndtw-1\charscalex100 321,161\tab \up0 \expndtw-1\charscalex10
0 149,924\tab \up0 \expndtw-1\charscalex100 100,876\par\pard\li900\sb19\sl-161\s
lmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Income from operating lease\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 60,307\tab \up0 \expndtw-1\charscale
x100 58,595\tab \up0 \expndtw-1\charscalex100 46,438\tab \up0 \expndtw-1\charsca
lex100 21,398\tab \up0 \expndtw-1\charscalex100 15,418\par\pard\li900\sb19\sl-16

1\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex1

00 \ul0\nosupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 440,664\tab \up0 \expndtw-1\chars
calex100 441,813\tab \up0 \expndtw-1\charscalex100 367,599\tab \up0 \expndtw-1\c
harscalex100 171,322\tab \up0 \expndtw-1\charscalex100 116,294\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7277\tx8357\tx9030\tx10170\tx11415 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income from investments\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charsca
lex100 0\tab \up0 \expndtw-1\charscalex100 (108,625)\tab \up0 \expndtw-1\charsca
lex100 (49,674)\tab \up0 \expndtw-1\charscalex100 (625)\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6917\tx7997\tx9090\tx10293\tx11297 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 146,166\tab \up0 \expndtw-1\charscalex100 556,6
15\tab \up0 \expndtw-1\charscalex100 (60,802)\tab \up0 \expndtw-1\charscalex100
8,467\tab \up0 \expndtw-1\charscalex100 26,066\par\pard\li900\sb19\sl-161\slmult
0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 586,830\tab \up0 \expndtw-1\charscale
x100 998,428\tab \up0 \expndtw-1\charscalex100 198,172\tab \up0 \expndtw-1\chars
calex100 130,115\tab \up0 \expndtw-1\charscalex100 141,735\par\pard\li900\sb19\s
l-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78,817\tab \up0 \expndtw-1\charsc
alex100 89,305\tab \up0 \expndtw-1\charscalex100 99,937\tab \up0 \expndtw-1\char
scalex100 93,118\tab \up0 \expndtw-1\charscalex100 83,622\par\pard\li900\sb19\sl
-161\slmult0\fi194\tx6977\tx8010\tx9030\tx10110\tx11250 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 48,856\tab \up0 \expndtw-1\c
harscalex100 (10,039)\tab \up0 \expndtw-1\charscalex100 (468,114)\tab \up0 \expn
dtw-1\charscalex100 (291,909)\tab \up0 \expndtw-1\charscalex100 (13,899)\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx6977\tx7997\tx9030\tx10110\tx11250 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxatio
n\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 40,258\tab \up
0 \expndtw-1\charscalex100 211,810\tab \up0 \expndtw-1\charscalex100 (357,797)\t
ab \up0 \expndtw-1\charscalex100 (273,954)\tab \up0 \expndtw-1\charscalex100 (24
,785)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\
tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 51,300\tab \up0 \expndtw-1\charscalex100 47,550\tab \u
p0 \expndtw-1\charscalex100 43,802\tab \up0 \expndtw-1\charscalex100 43,802\tab
\up0 \expndtw-1\charscalex100 43,802\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 9.10%\tab \up0 \expndtw-1\charscalex100 9.10%\tab \up0 \expndtw-1
\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1
\charscalex100 0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx91
68\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Stock dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100
0.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7997\tx9137\tx10157\tx11
237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated
from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 (286,125)\tab \up0 \expndtw-1\charscalex100 152,826\tab \up0 \expndtw
-1\charscalex100 57,319\tab \up0 \expndtw-1\charscalex100 201,632\tab \up0 \expn
dtw-1\charscalex100 251,530\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitabilit
y ratios\par\pard\li900\sb1\sl-161\slmult0\fi194\tx7037\tx8117\tx8999\tx10079\tx
11219 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on eq

uity (ROE) (D9/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1

2 6.67%\tab \up0 \expndtw-1\charscalex100 0.36%\tab \up0 \expndtw-1\charscalex10
0 -165.81%\tab \up0 \expndtw-1\charscalex100 -460.82%\tab \up0 \expndtw-1\charsc
alex100 -23.16%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7037\tx8117\tx9059\tx
10139\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Retu
rn on capital employed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 1.61%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 -22.82%\tab \up0 \expndtw-1\charscalex100 -19.28%\tab
\up0 \expndtw-1\charscalex100 -1.32%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx
7037\tx8117\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Return on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.75%\tab \up0 \expndtw-1\charscalex100 0.04%\tab
\up0 \expndtw-1\charscalex100 -9.02%\tab \up0 \expndtw-1\charscalex100 -9.96%\t
ab \up0 \expndtw-1\charscalex100 -1.35%\par\pard\li900\sb19\sl-161\slmult0\fi194
\tx7037\tx8117\tx8999\tx10079\tx11219 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 6.86%\tab \up0 \expndtw-1\charscalex100 0.21
%\tab \up0 \expndtw-1\charscalex100 -180.55%\tab \up0 \expndtw-1\charscalex100 210.55%\tab \up0 \expndtw-1\charscalex100 -17.49%\par\pard\li900\sb19\sl-161\slm
ult0\fi194\tx6977\tx8117\tx9063\tx10143\tx11297 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 5.Lease income to total income (D3/D6)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.09%\tab \up0 \expndtw-1\ch
arscalex100 0.44%\tab \up0 \expndtw-1\charscalex100 185.49%\tab \up0 \expndtw-1\
charscalex100 131.67%\tab \up0 \expndtw-1\charscalex100 82.05%\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10319\tx11399 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Administrative expenses to profit b
efore tax. (D7/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1.96\tab \up0 \expndtw-1\charscalex100 0.42\tab \up0 \expndtw-1\chars
calex100 -0.28\tab \up0 \expndtw-1\charscalex100 -0.34\tab \up0 \expndtw-1\chars
calex100 -3.37\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx1
0319\tx11399 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earni
ng per share (D9/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.78\tab \up0 \expndtw-1\charscalex100 4.45\tab \up0 \expndtw-1\charscalex1
00 -8.17\tab \up0 \expndtw-1\charscalex100 -6.25\tab \up0 \expndtw-1\charscalex1
00 -0.57\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult
0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C2e/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.46%\tab \up0 \expndt
w-1\charscalex100 0.06%\tab \up0 \expndtw-1\charscalex100 2.67%\tab \up0 \expndt
w-1\charscalex100 0.60%\tab \up0 \expndtw-1\charscalex100 2.08%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Net investment in finance lease to t
otal assets (C1a/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 45.68%\tab \up0 \expndtw-1\charscalex100 0.41%\tab \up0 \expndtw-1\charscale
x100 30.82%\tab \up0 \expndtw-1\charscalex100 18.00%\tab \up0 \expndtw-1\charsca
lex100 17.87%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10
383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Curren
t assets to current liabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 1.01\tab \up0 \expndtw-1\charscalex100 1.06\tab
\up0 \expndtw-1\charscalex100 1.02\tab \up0 \expndtw-1\charscalex100 1.32\tab \u
p0 \expndtw-1\charscalex100 1.40\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Total liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.89\tab \up0 \expndtw-1\charscalex
100 0.89\tab \up0 \expndtw-1\charscalex100 0.94\tab \up0 \expndtw-1\charscalex10
0 0.97\tab \up0 \expndtw-1\charscalex100 0.93\par\pard\li900\sb15\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /lev
erage ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6977\tx8117\tx9197\tx1027
7\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital

ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.1

8%\tab \up0 \expndtw-1\charscalex100 0.11%\tab \up0 \expndtw-1\charscalex100 5.4
4%\tab \up0 \expndtw-1\charscalex100 2.16%\tab \up0 \expndtw-1\charscalex100 5.8
3%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value pe
r share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
1.77\tab \up0 \expndtw-1\charscalex100 12.46\tab \up0 \expndtw-1\charscalex100 4
.93\tab \up0 \expndtw-1\charscalex100 1.36\tab \up0 \expndtw-1\charscalex100 2.4
4\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\
tx7079\tx8223\tx9239\tx10319\tx11324 \dn2 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Cash generated from operating activities to profit after tax.
(E4/D9) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
-7.11\tab \up0 \expndtw-1\charscalex100 0.72\tab \up0 \expndtw-1\charscalex100
-0.16\tab \up0 \expndtw-1\charscalex100 -0.74\tab \up0 \expndtw-1\charscalex100
-10.15\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7079\tx8223\tx9303\tx10383\tx1
1463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generate
d from operating activities to current liabilities (E4/B2) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.12\tab \up0 \expndtw-1\cha
rscalex100 0.07\tab \up0 \expndtw-1\charscalex100 0.03\tab \up0 \expndtw-1\chars
calex100 0.16\tab \up0 \expndtw-1\charscalex100 0.32\par\pard\ql \li6127\sb0\sl161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-16
1\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\
slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\sl
mult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmu
lt0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult
0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0
\par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \p
ar\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par
\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\p
ard\ql\li6127\sb7\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 92
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l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Sigma Leasing Corporation Limited\tab \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\
sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0
\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \e
xpndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 369,474\tab \up0 \expndtw-1\charscalex100 331,993\tab \up0 \expnd
tw-1\charscalex100 306,303\tab \up0 \expndtw-1\charscalex100 313,321\tab \up0 \e
xpndtw-1\charscalex100 334,524\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\tx
7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 300,000\tab \up0 \expndtw-1\charscalex100 300,000\tab \up0 \expndtw-1\ch
arscalex100 300,000\tab \up0 \expndtw-1\charscalex100 300,000\tab \up0 \expndtw1\charscalex100 300,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\t
x9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 50,
946\tab \up0 \expndtw-1\charscalex100 61,861\tab \up0 \expndtw-1\charscalex100 6
1,862\tab \up0 \expndtw-1\charscalex100 63,209\tab \up0 \expndtw-1\charscalex100
67,424\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8010\tx9090\tx10170\tx
11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un appropria
ted profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
18,528\tab \up0 \expndtw-1\charscalex100 (29,868)\tab \up0 \expndtw-1\charscalex
100 (55,559)\tab \up0 \expndtw-1\charscalex100 (49,888)\tab \up0 \expndtw-1\char
scalex100 (32,900)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.O
thers\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55,320\tab
\up0 \expndtw-1\charscalex100 55,194\tab \up0 \expndtw-1\charscalex100 40,476\t
ab \up0 \expndtw-1\charscalex100 54,953\tab \up0 \expndtw-1\charscalex100 43,823
\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7998\tx9078\tx10158\tx11238 \d
n3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B
1+ B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,206,344
\tab \up0 \expndtw-1\charscalex100 982,953\tab \up0 \expndtw-1\charscalex100 632
,691\tab \up0 \expndtw-1\charscalex100 163,218\tab \up0 \expndtw-1\charscalex100
133,229\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current
liabilities (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 580,937\tab \up0 \expndtw-1\charscalex100 479,120\tab \up0 \expndtw-1\ch
arscalex100 315,918\tab \up0 \expndtw-1\charscalex100 70,515\tab \up0 \expndtw-1
\charscalex100 78,862\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx9
138\tx10383\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
a.Borrowings from financial and other institutions\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 245,820\tab \up0 \expndtw-1\charscalex100 141
,667\tab \up0 \expndtw-1\charscalex100 33,333\tab \up0 \expndtw-1\charscalex100
397\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350

\tx7053\tx8133\tx9213\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper

sub\cf51\f52\fs14 b.Deposit on finance lease\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 2,412\tab \up0 \expndtw-1\charscalex100 1,739\tab \
up0 \expndtw-1\charscalex100 1,077\tab \up0 \expndtw-1\charscalex100 39,048\tab
\up0 \expndtw-1\charscalex100 57,882\par\pard\li900\sb19\sl-161\slmult0\fi350\tx
6918\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 c.Other/misc. liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 332,705\tab \up0 \expndtw-1\charscalex100 335,714\tab \
up0 \expndtw-1\charscalex100 281,508\tab \up0 \expndtw-1\charscalex100 31,070\ta
b \up0 \expndtw-1\charscalex100 20,980\par\pard\li900\sb19\sl-161\slmult0\fi194\
tx6918\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 625,407\tab \up0 \expndtw-1\charscalex100 503,833\tab \up
0 \expndtw-1\charscalex100 316,773\tab \up0 \expndtw-1\charscalex100 92,703\tab
\up0 \expndtw-1\charscalex100 54,367\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6
813\tx7893\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 C.Total assets (C1 + C2)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 1,631,138\tab \up0 \expndtw-1\charscalex100 1,370,140\tab
\up0 \expndtw-1\charscalex100 979,470\tab \up0 \expndtw-1\charscalex100 531,492
\tab \up0 \expndtw-1\charscalex100 511,576\par\pard\li900\sb6\sl-161\slmult0\fi1
94\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 832,503\tab \up0 \expndtw-1\charscalex100 6
27,911\tab \up0 \expndtw-1\charscalex100 361,974\tab \up0 \expndtw-1\charscalex1
00 201,727\tab \up0 \expndtw-1\charscalex100 176,560\par\pard\li900\sb19\sl-161\
slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 a.Net investment in finance lease\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 743,642\tab \up0 \expndtw-1\cha
rscalex100 541,329\tab \up0 \expndtw-1\charscalex100 278,688\tab \up0 \expndtw-1
\charscalex100 119,243\tab \up0 \expndtw-1\charscalex100 108,608\par\pard\li900\
sb19\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 87,703\tab \up0 \expndtw-1\charscalex1
00 85,513\tab \up0 \expndtw-1\charscalex100 82,337\tab \up0 \expndtw-1\charscale
x100 81,654\tab \up0 \expndtw-1\charscalex100 67,609\par\pard\li900\sb19\sl-161\
slmult0\fi350\tx7053\tx8133\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 c.Other/misc. assets\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 1,158\tab \up0 \expndtw-1\charscalex100 1,06
9\tab \up0 \expndtw-1\charscalex100 949\tab \up0 \expndtw-1\charscalex100 830\ta
b \up0 \expndtw-1\charscalex100 343\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6
918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Current assets (e + f)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 798,635\tab \up0 \expndtw-1\charscalex100 742,229\tab \up
0 \expndtw-1\charscalex100 617,496\tab \up0 \expndtw-1\charscalex100 329,765\tab
\up0 \expndtw-1\charscalex100 335,016\par\pard\li900\sb19\sl-161\slmult0\fi350\
tx7218\tx8298\tx9378\tx10458\tx11538 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 a.Cash and balances with treasury banks\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 61\tab \up0 \expndtw-1\charscalex100 58
\tab \up0 \expndtw-1\charscalex100 67\tab \up0 \expndtw-1\charscalex100 65\tab \
up0 \expndtw-1\charscalex100 57\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6978\
tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 b.Placement with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 28,172\tab \up0 \expndtw-1\charscalex100 73,089\tab \up0
\expndtw-1\charscalex100 97,559\tab \up0 \expndtw-1\charscalex100 48,354\tab \up
0 \expndtw-1\charscalex100 23,317\par\pard\li900\sb19\sl-161\slmult0\fi350\tx691
8\tx7998\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 c.Term deposits certificate\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 103,133\tab \up0 \expndtw-1\charscalex100 163,257\tab \u
p0 \expndtw-1\charscalex100 137,332\tab \up0 \expndtw-1\charscalex100 60,118\tab
\up0 \expndtw-1\charscalex100 213,618\par\pard\li900\sb19\sl-161\slmult0\fi350\

tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupers

ub\cf51\f52\fs14 d.Other money market placements\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6918\tx7998\tx9078
\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.C
ash & cash equivalent (a + b + c + d)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 131,366\tab \up0 \expndtw-1\charscalex100 236,404\tab \up0
\expndtw-1\charscalex100 234,958\tab \up0 \expndtw-1\charscalex100 108,537\tab
\up0 \expndtw-1\charscalex100 236,992\par\pard\li900\sb19\sl-161\slmult0\fi350\t
x6918\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 f.Other/misc. current assets\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 667,269\tab \up0 \expndtw-1\charscalex100 505,825\t
ab \up0 \expndtw-1\charscalex100 382,538\tab \up0 \expndtw-1\charscalex100 221,2
28\tab \up0 \expndtw-1\charscalex100 98,024\par\pard\li900\sb14\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss
account\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6918\tx7998\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income from f
inance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 134
,262\tab \up0 \expndtw-1\charscalex100 123,397\tab \up0 \expndtw-1\charscalex100
84,095\tab \up0 \expndtw-1\charscalex100 43,171\tab \up0 \expndtw-1\charscalex1
00 25,052\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8058\tx9213\tx10383\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Income fro
m operating lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,040\tab \up0 \expndtw-1\charscalex100 11,100\tab \up0 \expndtw-1\charscalex1
00 5,192\tab \up0 \expndtw-1\charscalex100 184\tab \up0 \expndtw-1\charscalex100
19,585\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6918\tx7998\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Income from
lease (D1 + D2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
135,302\tab \up0 \expndtw-1\charscalex100 134,497\tab \up0 \expndtw-1\charscalex
100 89,287\tab \up0 \expndtw-1\charscalex100 43,355\tab \up0 \expndtw-1\charscal
ex100 44,637\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx105
18\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Income
from investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \
up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li90
0\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,456\tab \up0 \expndtw-1\charscale
x100 22,261\tab \up0 \expndtw-1\charscalex100 10,540\tab \up0 \expndtw-1\charsca
lex100 31,844\tab \up0 \expndtw-1\charscalex100 3,841\par\pard\li900\sb19\sl-161
\slmult0\fi194\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 156,758\tab \up0 \expndtw-1\ch
arscalex100 156,758\tab \up0 \expndtw-1\charscalex100 99,827\tab \up0 \expndtw-1
\charscalex100 75,199\tab \up0 \expndtw-1\charscalex100 48,478\par\pard\li900\sb
19\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Administrative expenses\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,641\tab \up0 \expndtw-1\ch
arscalex100 23,854\tab \up0 \expndtw-1\charscalex100 24,054\tab \up0 \expndtw-1\
charscalex100 24,326\tab \up0 \expndtw-1\charscalex100 20,553\par\pard\li900\sb1
9\sl-161\slmult0\fi194\tx6978\tx8058\tx9090\tx10335\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 68,424\tab \up0 \expndtw
-1\charscalex100 58,147\tab \up0 \expndtw-1\charscalex100 (74,417)\tab \up0 \exp
ndtw-1\charscalex100 (486)\tab \up0 \expndtw-1\charscalex100 25,600\par\pard\li9
00\sb19\sl-161\slmult0\fi194\tx6978\tx8058\tx9090\tx10293\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 60,684\tab \up0 \ex
pndtw-1\charscalex100 54,580\tab \up0 \expndtw-1\charscalex100 (67,860)\tab \up0

\expndtw-1\charscalex100 6,736\tab \up0 \expndtw-1\charscalex100 21,077\par\par

d\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8058
\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.No. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 30,000\tab \up0 \expndtw-1\charscalex100 30,000\tab \up0 \expndtw-1
\charscalex100 30,000\tab \up0 \expndtw-1\charscalex100 30,000\tab \up0 \expndtw
-1\charscalex100 30,000\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6933\tx8013\t
x9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 16.00%\tab \up0 \expndtw-1\charscalex100 11.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex
100 5.00%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\
tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock divi
dend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \
up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \
up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\p
ard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx7998\tx9078\tx10158\tx11238 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from opera
ting activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
5,867\tab \up0 \expndtw-1\charscalex100 377,294\tab \up0 \expndtw-1\charscalex10
0 325,976\tab \up0 \expndtw-1\charscalex100 210,019\tab \up0 \expndtw-1\charscal
ex100 109,863\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\p
ard\li900\sb1\sl-161\slmult0\fi194\tx6978\tx8118\tx9060\tx10278\tx11358 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D9
/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.42%\tab \
up0 \expndtw-1\charscalex100 0.16%\tab \up0 \expndtw-1\charscalex100 -22.15%\tab
\up0 \expndtw-1\charscalex100 2.15%\tab \up0 \expndtw-1\charscalex100 6.30%\par
\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9060\tx10215\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital emplo
yed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 6.80%\tab \up0 \expndtw-1\charscalex100 0.07%\tab \up0 \expndtw-1\charsca
lex100 -11.23%\tab \up0 \expndtw-1\charscalex100 -0.11%\tab \up0 \expndtw-1\char
scalex100 5.60%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx
10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Retu
rn on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 3.72%\tab \up0 \expndtw-1\charscalex100 0.04%\tab \up0 \expndtw-1\char
scalex100 -6.93%\tab \up0 \expndtw-1\charscalex100 1.27%\tab \up0 \expndtw-1\cha
rscalex100 4.12%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx9060\t
x10278\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ret
urn on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 38.71%\tab \up0 \expndtw-1\charscalex100 0.35%\tab \up0 \expndtw-1\
charscalex100 -67.98%\tab \up0 \expndtw-1\charscalex100 8.96%\tab \up0 \expndtw1\charscalex100 43.48%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8118\tx
9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Lease income to total income (D3/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 86.31%\tab \up0 \expndtw-1\charscalex100 0.86%\tab \up0
\expndtw-1\charscalex100 89.44%\tab \up0 \expndtw-1\charscalex100 57.65%\tab \up
0 \expndtw-1\charscalex100 92.08%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx714
3\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 6.Administrative expenses to profit before tax. (D7/D9) (times)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.32\tab \up0 \exp
ndtw-1\charscalex100 0.44\tab \up0 \expndtw-1\charscalex100 -0.35\tab \up0 \expn
dtw-1\charscalex100 3.61\tab \up0 \expndtw-1\charscalex100 0.98\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (D9/E1)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.02\tab \up0 \expndtw-1\c
harscalex100 1.82\tab \up0 \expndtw-1\charscalex100 -2.26\tab \up0 \expndtw-1\ch
arscalex100 0.22\tab \up0 \expndtw-1\charscalex100 0.70\par\pard\li900\sb14\sl-1

84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Li

quidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash &
cash equivalent to total assets (C2e/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 8.05%\tab \up0 \expndtw-1\charscalex100 0.17%\tab \up0
\expndtw-1\charscalex100 23.99%\tab \up0 \expndtw-1\charscalex100 20.42%\tab \up
0 \expndtw-1\charscalex100 46.33%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx697
8\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Net investment in finance lease to total assets (C1a/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 45.59%\tab \up0 \expndtw-1
\charscalex100 0.40%\tab \up0 \expndtw-1\charscalex100 28.45%\tab \up0 \expndtw1\charscalex100 22.44%\tab \up0 \expndtw-1\charscalex100 21.23%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets to current liabilitie
s (C2/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1.28\tab \up0 \expndtw-1\charscalex100 1.47\tab \up0 \expndtw-1\charscalex100
1.95\tab \up0 \expndtw-1\charscalex100 3.56\tab \up0 \expndtw-1\charscalex100 6.
16\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total liabilities
to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0.74\tab \up0 \expndtw-1\charscalex100 0.72\tab \up0 \expndtw-1\c
harscalex100 0.65\tab \up0 \expndtw-1\charscalex100 0.31\tab \up0 \expndtw-1\cha
rscalex100 0.26\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb
0\sl-161\slmult0\fi194\tx6978\tx8118\tx9138\tx10218\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22.65%\tab \up0 \expndtw-1\charsca
lex100 0.24%\tab \up0 \expndtw-1\charscalex100 31.27%\tab \up0 \expndtw-1\charsc
alex100 58.95%\tab \up0 \expndtw-1\charscalex100 65.39%\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.32\tab \up0 \expndtw-1\ch
arscalex100 11.07\tab \up0 \expndtw-1\charscalex100 10.21\tab \up0 \expndtw-1\ch
arscalex100 10.44\tab \up0 \expndtw-1\charscalex100 11.15\par\pard\li900\sb15\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.
Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx1
0323\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash
generated from operating activities to profit after tax. (E4/D9) (times)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.10\tab \up0 \expndtw1\charscalex100 6.91\tab \up0 \expndtw-1\charscalex100 -4.80\tab \up0 \expndtw-1
\charscalex100 31.18\tab \up0 \expndtw-1\charscalex100 5.21\par\pard\li900\sb19\
sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities
to current liabilities (E4/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.01\tab \up0 \expndtw-1\charscalex100 0.75\tab \up0 \ex
pndtw-1\charscalex100 1.03\tab \up0 \expndtw-1\charscalex100 2.27\tab \up0 \expn
dtw-1\charscalex100 2.02\par\pard\ql \li6127\sb0\sl-161\slmult0 \par\pard\ql\li6
127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li612
7\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\
sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb
0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\
sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl
-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-1
61\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161
\slmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb0\sl-161\s
lmult0 \par\pard\ql\li6127\sb0\sl-161\slmult0 \par\pard\ql\li6127\sb7\sl-161\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 93
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{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid5{\sp{\sn shapeType}{\s
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g102}{\bkmkend Pg102}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10169 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Standard Chartered Leasing Limited\tab \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1
\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0
\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \
expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx79
98\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 272,359\tab \up0 \expndtw-1\charscalex100 209,098\tab \up0 \expn
dtw-1\charscalex100 736,138\tab \up0 \expndtw-1\charscalex100 778,743\tab \up0 \
expndtw-1\charscalex100 855,014\par\pard\li900\sb0\sl-161\slmult0\fi194\tx6918\t
x7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 391,342\tab \up0 \expndtw-1\charscalex100 391,342\tab \up0 \expndtw-1\c
harscalex100 978,354\tab \up0 \expndtw-1\charscalex100 978,354\tab \up0 \expndtw
-1\charscalex100 978,354\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6978\tx8058\
tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 94
,407\tab \up0 \expndtw-1\charscalex100 94,407\tab \up0 \expndtw-1\charscalex100
94,408\tab \up0 \expndtw-1\charscalex100 102,929\tab \up0 \expndtw-1\charscalex1
00 118,184\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6870\tx7950\tx9030\tx10110

\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Un approp

riated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 (213,390)\tab \up0 \expndtw-1\charscalex100 (276,651)\tab \up0 \expndtw-1\cha
rscalex100 (336,624)\tab \up0 \expndtw-1\charscalex100 (302,540)\tab \up0 \expnd
tw-1\charscalex100 (241,524)\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7053\tx8
175\tx9164\tx10244\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
5,063\tab \up0 \expndtw-1\charscalex100 (853)\tab \up0 \expndtw-1\charscalex100
(3,893)\tab \up0 \expndtw-1\charscalex100 (3,892)\tab \up0 \expndtw-1\charscalex
100 (3,893)\par\pard\li900\sb39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053
\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total lia
bilities (B1+ B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 2,518,434\tab \up0 \expndtw-1\charscalex100 1,543,716\tab \up0 \expndtw-1\char
scalex100 1,269,281\tab \up0 \expndtw-1\charscalex100 1,580,409\tab \up0 \expndt
w-1\charscalex100 2,412,764\par\pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Non-current liabilities (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 1,272,300\tab \up0 \expndtw-1\charscalex100 460,871\t
ab \up0 \expndtw-1\charscalex100 304,736\tab \up0 \expndtw-1\charscalex100 230,2
48\tab \up0 \expndtw-1\charscalex100 482,311\par\pard\li900\sb19\sl-161\slmult0\
fi350\tx6918\tx8058\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 a.Borrowings from financial and other institutions\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 386,667\tab \up0 \expn
dtw-1\charscalex100 66,667\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-16
1\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 b.Deposit on finance lease\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 445,554\tab \up0 \expndtw-1\charscal
ex100 285,129\tab \up0 \expndtw-1\charscalex100 201,334\tab \up0 \expndtw-1\char
scalex100 228,521\tab \up0 \expndtw-1\charscalex100 482,311\par\pard\li900\sb19\
sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10293\tx11597 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 c.Other/misc. liabilities\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 440,079\tab \up0 \expndtw-1\char
scalex100 109,075\tab \up0 \expndtw-1\charscalex100 103,402\tab \up0 \expndtw-1\
charscalex100 1,727\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb19\sl-1
61\slmult0\fi194\tx6813\tx7893\tx9077\tx10053\tx11133 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Current liabilities\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 1,246,134\tab \up0 \expndtw-1\charscalex
100 1,082,845\tab \up0 \expndtw-1\charscalex100 964,545\tab \up0 \expndtw-1\char
scalex100 1,350,161\tab \up0 \expndtw-1\charscalex100 1,930,453\par\pard\li900\s
b39\sl-155\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 + C2)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,795,856\tab \up0 \expndtw-1\
charscalex100 1,751,961\tab \up0 \expndtw-1\charscalex100 2,001,526\tab \up0 \ex
pndtw-1\charscalex100 2,355,260\tab \up0 \expndtw-1\charscalex100 3,263,885\par\
pard\li900\sb6\sl-161\slmult0\fi194\tx6813\tx7997\tx8973\tx10053\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Non-current assets (a + b
+ c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,531,166\
tab \up0 \expndtw-1\charscalex100 811,401\tab \up0 \expndtw-1\charscalex100 1,29
2,056\tab \up0 \expndtw-1\charscalex100 1,561,028\tab \up0 \expndtw-1\charscalex
100 2,182,561\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7997\tx8973\tx10
053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Net in
vestment in finance lease\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,237,142\tab \up0 \expndtw-1\charscalex100 567,724\tab \up0 \expndtw1\charscalex100 1,043,785\tab \up0 \expndtw-1\charscalex100 1,279,678\tab \up0 \
expndtw-1\charscalex100 1,944,578\par\pard\li900\sb19\sl-161\slmult0\fi350\tx705
3\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 b.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 7,735\tab \up0 \expndtw-1\charscalex100 9,618\tab \up0 \expndtw-1\cha
rscalex100 6,734\tab \up0 \expndtw-1\charscalex100 3,699\tab \up0 \expndtw-1\cha

rscalex100 1,016\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6917\tx7997\tx9077\t
x10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Oth
er/misc. assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
286,289\tab \up0 \expndtw-1\charscalex100 234,059\tab \up0 \expndtw-1\charscalex
100 241,537\tab \up0 \expndtw-1\charscalex100 277,651\tab \up0 \expndtw-1\charsc
alex100 236,967\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6813\tx7997\tx9077\tx
10157\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Curr
ent assets (e + f)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 1,264,690\tab \up0 \expndtw-1\charscalex100 940,560\tab \up0 \expndtw-1\chars
calex100 709,470\tab \up0 \expndtw-1\charscalex100 794,232\tab \up0 \expndtw-1\c
harscalex100 1,081,324\par\pard\li900\sb19\sl-161\slmult0\fi350\tx6977\tx8357\tx
9437\tx10457\tx11537 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
a.Cash and balances with treasury banks\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 11,245\tab \up0 \expndtw-1\charscalex100 7\tab \up0 \ex
pndtw-1\charscalex100 7\tab \up0 \expndtw-1\charscalex100 32\tab \up0 \expndtw-1
\charscalex100 52\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7143\tx8133\tx9213\
tx10293\tx11537 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Pl
acement with other banks\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 170\tab \up0 \expndtw-1\charscalex100 5,040\tab \up0 \expndtw-1\charsca
lex100 5,287\tab \up0 \expndtw-1\charscalex100 8,518\tab \up0 \expndtw-1\charsca
lex100 14\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7277\tx8057\tx9213\tx10293\
tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Term depos
its certificate\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
0\tab \up0 \expndtw-1\charscalex100 14,698\tab \up0 \expndtw-1\charscalex100 5,7
41\tab \up0 \expndtw-1\charscalex100 1,025\tab \up0 \expndtw-1\charscalex100 19,
400\par\pard\li900\sb19\sl-161\slmult0\fi350\tx7277\tx8357\tx9437\tx10517\tx1159
7 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Other money mark
et placements\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\
tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\s
b19\sl-161\slmult0\fi350\tx6977\tx8057\tx9137\tx10293\tx11297 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Cash & cash equivalent (a + b + c +
d)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,415\tab \u
p0 \expndtw-1\charscalex100 19,745\tab \up0 \expndtw-1\charscalex100 11,035\tab
\up0 \expndtw-1\charscalex100 9,575\tab \up0 \expndtw-1\charscalex100 19,466\par
\pard\li900\sb19\sl-161\slmult0\fi350\tx6813\tx7997\tx9077\tx10157\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Other/misc. current ass
ets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,253,275\ta
b \up0 \expndtw-1\charscalex100 920,815\tab \up0 \expndtw-1\charscalex100 698,43
5\tab \up0 \expndtw-1\charscalex100 784,657\tab \up0 \expndtw-1\charscalex100 1,
061,858\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb1\sl-161\sl
mult0\fi194\tx7053\tx8357\tx9437\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Income from finance lease\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 3,288\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 206,423
\tab \up0 \expndtw-1\charscalex100 292,120\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6917\tx7997\tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Income from operating lease\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 264,060\tab \up0 \expndtw-1\charscalex100 150
,715\tab \up0 \expndtw-1\charscalex100 165,421\tab \up0 \expndtw-1\charscalex100
18,709\tab \up0 \expndtw-1\charscalex100 12,129\par\pard\li900\sb19\sl-161\slmu
lt0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 3.Income from lease (D1 + D2)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 267,348\tab \up0 \expndtw-1\charscalex1
00 150,715\tab \up0 \expndtw-1\charscalex100 165,421\tab \up0 \expndtw-1\charsca
lex100 225,132\tab \up0 \expndtw-1\charscalex100 304,249\par\pard\li900\sb19\sl161\slmult0\fi194\tx7143\tx8132\tx9437\tx10383\tx11372 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.Income from investments\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 102\tab \up0 \expndtw-1\charscalex1

00 7,493\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 2

69\tab \up0 \expndtw-1\charscalex100 2,628\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 5.Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 37,341\tab \up0 \expndtw-1\charscalex100 23,297\tab \up0 \ex
pndtw-1\charscalex100 14,464\tab \up0 \expndtw-1\charscalex100 16,159\tab \up0 \
expndtw-1\charscalex100 37,382\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6917\t
x7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 6.Total income/revenue (D3 to D5)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 304,791\tab \up0 \expndtw-1\charscalex100 181,505\tab
\up0 \expndtw-1\charscalex100 179,885\tab \up0 \expndtw-1\charscalex100 241,560
\tab \up0 \expndtw-1\charscalex100 344,259\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 7.Administrative expenses\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 71,459\tab \up0 \expndtw-1\charscalex100 48,561\t
ab \up0 \expndtw-1\charscalex100 53,833\tab \up0 \expndtw-1\charscalex100 70,626
\tab \up0 \expndtw-1\charscalex100 81,691\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx6869\tx8009\tx9089\tx10217\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 8.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 (394,651)\tab \up0 \expndtw-1\charscalex100
(56,738)\tab \up0 \expndtw-1\charscalex100 (56,552)\tab \up0 \expndtw-1\charscal
ex100 65,547\tab \up0 \expndtw-1\charscalex100 117,345\par\pard\li900\sb19\sl-16
1\slmult0\fi194\tx6869\tx8009\tx9089\tx10217\tx11297 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 9.Profit/(loss) after taxation\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (234,609)\tab \up0 \expndtw-1\ch
arscalex100 (63,262)\tab \up0 \expndtw-1\charscalex100 (59,973)\tab \up0 \expndt
w-1\charscalex100 42,606\tab \up0 \expndtw-1\charscalex100 76,274\par\pard\li900
\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 E.Other items\par\pard\li900\sb1\sl-161\slmult0\fi194\tx6977\tx8057\tx9137
\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.N
o. of ordinary shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 39,134\tab \up0 \expndtw-1\charscalex100 39,134\tab \up0 \expndtw-1\charsc
alex100 97,835\tab \up0 \expndtw-1\charscalex100 97,835\tab \up0 \expndtw-1\char
scalex100 97,835\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7007\tx8087\tx9167\t
x10247\tx11327 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cas
h dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%
\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%
\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 5.00%
\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7007\tx8087\tx9167\tx10247\tx11327 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900
\sb19\sl-161\slmult0\fi194\tx6812\tx7997\tx9029\tx10109\tx11189 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating acti
vities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,041,962
\tab \up0 \expndtw-1\charscalex100 605,369\tab \up0 \expndtw-1\charscalex100 (43
4,775)\tab \up0 \expndtw-1\charscalex100 (220,574)\tab \up0 \expndtw-1\charscale
x100 (584,795)\par\pard\li900\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\
pard\li900\sb1\sl-161\slmult0\fi194\tx6899\tx8054\tx9134\tx10277\tx11357 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D
9/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -86.14%\tab
\up0 \expndtw-1\charscalex100 -0.30%\tab \up0 \expndtw-1\charscalex100 -8.15%\t
ab \up0 \expndtw-1\charscalex100 5.47%\tab \up0 \expndtw-1\charscalex100 8.92%\p
ar\pard\li900\sb19\sl-161\slmult0\fi194\tx6899\tx8054\tx9134\tx10277\tx11357 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital emp
loyed (ROCE) (D8/(C-B2))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 -25.47%\tab \up0 \expndtw-1\charscalex100 -0.09%\tab \up0 \expndtw-1\ch
arscalex100 -5.45%\tab \up0 \expndtw-1\charscalex100 6.52%\tab \up0 \expndtw-1\c

harscalex100 8.80%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6974\tx8054\tx9134
\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.R
eturn on assets (ROA) (D9/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 -8.39%\tab \up0 \expndtw-1\charscalex100 -0.04%\tab \up0 \expndtw-1
\charscalex100 -3.00%\tab \up0 \expndtw-1\charscalex100 1.81%\tab \up0 \expndtw1\charscalex100 2.34%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6899\tx8054\tx9
059\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Return on revenue (ROR) (D9/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 -76.97%\tab \up0 \expndtw-1\charscalex100 -0.35%\tab \up0 \exp
ndtw-1\charscalex100 -33.34%\tab \up0 \expndtw-1\charscalex100 17.64%\tab \up0 \
expndtw-1\charscalex100 22.16%\par\pard\li900\sb19\sl-161\slmult0\fi194\tx6977\t
x8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 5.Lease income to total income (D3/D6)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 87.72%\tab \up0 \expndtw-1\charscalex100 0.83%\t
ab \up0 \expndtw-1\charscalex100 91.96%\tab \up0 \expndtw-1\charscalex100 93.20%
\tab \up0 \expndtw-1\charscalex100 88.38%\par\pard\li900\sb19\sl-161\slmult0\fi1
94\tx7079\tx8159\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 6.Administrative expenses to profit before tax. (D7/D9) (t
imes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.30\tab
\up0 \expndtw-1\charscalex100 -0.77\tab \up0 \expndtw-1\charscalex100 -0.90\tab
\up0 \expndtw-1\charscalex100 1.66\tab \up0 \expndtw-1\charscalex100 1.07\par\pa
rd\li900\sb19\sl-161\slmult0\fi194\tx7079\tx8159\tx9239\tx10383\tx11463 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (D9/E1)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -6.00\tab \up0 \
expndtw-1\charscalex100 -1.62\tab \up0 \expndtw-1\charscalex100 -0.61\tab \up0 \
expndtw-1\charscalex100 0.44\tab \up0 \expndtw-1\charscalex100 0.78\par\pard\li9
00\sb14\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 G.Liquidity ratios\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117
\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Cash & cash equivalent to total assets (C2e/C)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.41%\tab \up0 \expndtw-1\charscalex100 0.0
1%\tab \up0 \expndtw-1\charscalex100 0.55%\tab \up0 \expndtw-1\charscalex100 0.4
1%\tab \up0 \expndtw-1\charscalex100 0.60%\par\pard\li900\sb19\sl-161\slmult0\fi
194\tx6977\tx8117\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Net investment in finance lease to total assets (C1a/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.25%\tab \up0 \
expndtw-1\charscalex100 0.32%\tab \up0 \expndtw-1\charscalex100 52.15%\tab \up0
\expndtw-1\charscalex100 54.33%\tab \up0 \expndtw-1\charscalex100 59.58%\par\par
d\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Current assets to current l
iabilities (C2/B2) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 1.01\tab \up0 \expndtw-1\charscalex100 0.87\tab \up0 \expndtw-1\chars
calex100 0.74\tab \up0 \expndtw-1\charscalex100 0.59\tab \up0 \expndtw-1\charsca
lex100 0.56\par\pard\li900\sb19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx1038
3\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Total li
abilities to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.90\tab \up0 \expndtw-1\charscalex100 0.88\tab \up0 \ex
pndtw-1\charscalex100 0.63\tab \up0 \expndtw-1\charscalex100 0.67\tab \up0 \expn
dtw-1\charscalex100 0.74\par\pard\li900\sb15\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard
\li900\sb0\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\tx10217\tx11297 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.74%\tab \up0 \expndtw-1
\charscalex100 0.12%\tab \up0 \expndtw-1\charscalex100 36.78%\tab \up0 \expndtw1\charscalex100 33.06%\tab \up0 \expndtw-1\charscalex100 26.20%\par\pard\li900\s
b19\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.96\tab \up0 \expnd
tw-1\charscalex100 5.34\tab \up0 \expndtw-1\charscalex100 7.52\tab \up0 \expndtw
-1\charscalex100 7.96\tab \up0 \expndtw-1\charscalex100 8.74\par\pard\li900\sb15

\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16

I.Cash flow ratio\par\pard\li900\sb0\sl-161\slmult0\fi194\tx7079\tx8159\tx9303\
tx10319\tx11399 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Ca
sh generated from operating activities to profit after tax. (E4/D9) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -4.44\tab \up0 \expn
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4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff0098ca3fe1bfbf648ffa2b3ff9
61fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff0098ca3fe1bfbf648ffa2b
3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff0098ca3fe1bfbf648f
fa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff0098ca3fe1bfbf
648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff0098ca3fe1
bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff0098ca
3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133ff00
98ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587f133
ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00e587
f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8acff00
e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923fe8ac
ff00e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd923f
e8acff00e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086fefd
923fe8acff00e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff0086
fefd923fe8acff00e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be39ff
0086fefd923fe8acff00e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6a2be
39ff0086fefd923fe8acff00e587f133ff0098ca3fe1bfbf648ffa2b3ff961fc4cff00e632803ec6
af88bf622ff8f2fdaaff00ecf77f68effd3f6955afff000dfdfb247fd159ff00cb0fe267ff003195
cd7ec13a8db6bfe10fda0fc5ba58bb93c3de35fdaebe3cf8bbc2ba95ce9f7fa6a6b7e1ad7357d2ae
74ad62d2df52b6b4bbfb25dc6182996de39239a29eda748ae609a28c03eeba28a2800a28a2800a28

a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
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a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28

a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28
a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2803fff
d9}}}}}\pard\sb0\sl-240{\bkmkstart Pg103}{\bkmkend Pg103}\par\pard\li6629\sb0\sl
-184\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\slmul
t0\par\pard\li6629\sb19\sl-184\slmult0\fi0\tx10125 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Financial Sector\ta
b \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\ql \li
1728\sb0\sl-310\slmult0 \par\pard\ql\li1728\sb0\sl-310\slmult0 \par\pard\ql\li17
28\sb9\sl-310\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf22\f23\fs32
I\ul0\nosupersub\cf23\f24\fs26 NVESTMENT \ul0\nosupersub\cf22\f23\fs32 B\ul0\no
supersub\cf23\f24\fs26 ANKS \par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj
\li1728\ri1242\sb53\sl-380\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\
cf25\f26\fs22 The performance of investment banks has deteriorated over the year
. Analysis revealed that their \up0 \expndtw-1\charscalex100 balance sheet size
squeezed by 7.2 percent in FY11 over FY10. The aggregate share capital remained
\up0 \expndtw0\charscalex100 same. Losses before and after tax have been Rs. 0.6
billion and Rs. 0.7 billion respectively in FY11. \up0 \expndtw-3\charscalex100
Gross revenue also witnessed a decrease of 17.0 percent during FY11. \par\pard\
ql \li7713\sb0\sl-195\slmult0 \par\pard\ql\li7713\sb58\sl-195\slmult0 \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf112\f113\fs17 Shareholder's Equity\par\par
d\sect\sectd\sbknone\cols2\colno1\colw6270\colsr160\colno2\colw5670\colsr160\ql
\li1728\sb54\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f3
0\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF SHAREHOLDERS\ul0\nosupersub\cf2
9\f30\fs24 \u8217?\ul0\nosupersub\cf42\f43\fs19 EQUITY\par\pard\ql \li1728\sb20
4\sl-253\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Tota
l shareholders\u8217? equity \up0 \expndtw0\charscalex105 (TE) at Rs \up0 \e
xpndtw-4\charscalex100 4.0\par\pard\qj \li1728\ri296\sb22\sl-379\slmult0 \up0 \e
xpndtw0\charscalex108 billion in FY10 shrank to Rs 3.0 billion in \line \up0 \e
xpndtw0\charscalex102 FY11 reflecting a decrease of 24.0 percent in \line \up0 \
expndtw0\charscalex102 FY11 over FY10. Share Capital (SC) was Rs\par\pard\ql \li
1728\sb107\sl-253\slmult0 \up0 \expndtw-3\charscalex100 8.8 billion in both FY10
and FY11.\par\pard\ql \li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb0\sl-27
6\slmult0 \par\pard\ql \li1728\sb129\sl-276\slmult0 \up0 \expndtw0\charscalex102
\ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF LIABILI
TIES\par\pard\column \ql \li6430\sb0\sl-161\slmult0 \par\pard\ql \li864\sb49\sl161\slmult0\tx1918\tx2967 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf111\f1
12\fs14 FY 10\tab \up0 \expndtw-1\charscalex100 FY 11\tab \up0 \expndtw-2\charsc
alex100 Growth%\par\pard\ql \li20\sb65\sl-161\slmult0\tx3634 \up0 \expndtw0\char
scalex100 \ul0\nosupersub\cf110\f111\fs14 10.0\tab \up0 \expndtw0\charscalex100
10%\par\pard\ql \li98\sb75\sl-161\slmult0\tx2481\tx3629 \up0 \expndtw-1\charscal
ex100 8.0\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf111\f112\fs14 4%\ta
b \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf110\f111\fs14 5%\par\pard\ql \l
i98\sb75\sl-161\slmult0\tx1710\tx3629 \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf111\f112\fs14 6.0\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf110\f
111\fs14 0%\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf111\f112\fs14 0%\
par\pard\ql \li98\sb76\sl-161\slmult0\tx3630 \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf110\f111\fs14 4.0\tab \up0 \expndtw0\charscalex100 -5%\par\pard\ql
\li98\sb75\sl-161\slmult0\tx3634 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f111\f112\fs14 2.0\tab \up0 \expndtw0\charscalex100 -10%\par\pard\ql \li98\sb75\
sl-161\slmult0\tx3634 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf110\f111\f
s14 0.0\tab \up0 \expndtw0\charscalex100 -15%\par\pard\ql \li55\sb75\sl-161\slmu
lt0\tx734\tx1506\tx2267\tx3007\tx3634 \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf111\f112\fs14 -2.0\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf110

\f111\fs14 TE\tab \up0 \expndtw-2\charscalex100 SC\tab \up0 \expndtw-2\charscale

x100 RV\tab \up0 \expndtw-2\charscalex100 UPL\tab \up0 \expndtw0\charscalex100 \
ul0\nosupersub\cf111\f112\fs14 -20%\par\pard\ql \li55\sb76\sl-161\slmult0\tx932\
tx3247\tx3634 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf110\f111\fs14 -4.0
\tab \up0 \expndtw0\charscalex100 -24%\tab \up0 \expndtw0\charscalex100 -25% \ta
b \up0 \expndtw0\charscalex100 -25%\par\pard\ql \li55\sb75\sl-161\slmult0\tx3634
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf111\f112\fs14 -6.0\tab \up0 \ex
pndtw0\charscalex100 -30% \par\pard\sect\sectd\sbknone \qj \li1728\ri1240\sb111\
sl-380\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Total
liabilities witnesses a decline of 4.1 percent from Rs 22.6 billion in FY10 to
Rs 21.7 billion in \up0 \expndtw-1\charscalex100 FY11. Share Composition of curr
ent and non-current liabilities to total liabilities was 83.0 and 17.0 \up0 \exp
ndtw-1\charscalex100 percent respectively in FY11 as against 77.3 and 22.7 perce
nt in FY10. Current liabilities at Rs 17.5 \up0 \expndtw-2\charscalex100 billion
in FY10 increased by 3.0 percent to reach Rs 18.0 billion in FY11.\par\pard\sec
t\sectd\sbknone\cols4\colno1\colw6383\colsr160\colno2\colw2623\colsr60\colno3\co
lw283\colsr20\colno4\colw2591\colsr160\ql \li1728\sb0\sl-276\slmult0 \par\pard\q
l \li1728\sb92\sl-276\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\
f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF ASSETS\par\pard\ql \li1728\sb
204\sl-253\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 T
otal assets declined by \up0 \expndtw-1\charscalex100 7.2 percent during\pa
r\pard\qj \li1728\ri380\sb22\sl-379\slmult0 \up0 \expndtw0\charscalex103 FY11. I
n absolute terms they decreased from \line \up0 \expndtw0\charscalex105 Rs 26.5
billion in FY10 to Rs 24.6 billion in \line \up0 \expndtw0\charscalex104 FY11. T
otal current assets were however Rs \line \up0 \expndtw0\charscalex100 18.3 bill
ion in FY10 as against Rs 18.9 billion\par\pard\column \ql \li7866\sb0\sl-230\sl
mult0 \par\pard\ql \li1343\sb209\sl-230\slmult0 \up0 \expndtw0\charscalex101 \ul
0\nosupersub\cf115\f116\fs20 Current Assets\par\pard\ql \li20\sb94\sl-149\slmult
0\tx647 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf113\f114\fs13 20.0\tab \u
p0 \expndtw0\charscalex101 18.3 \up0 \expndtw0\charscalex101 18.9\par\pard\ql \l
i20\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex102 18.0\par\pard\ql \li20\sb39
\sl-149\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf114\f115\fs13 16.
0\par\pard\ql \li20\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex102 14.0\par\pa
rd\ql \li20\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf1
13\f114\fs13 12.0\par\pard\ql \li20\sb39\sl-149\slmult0 \up0 \expndtw0\charscale
x102 10.0\par\pard\ql \li98\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex100 8.0
\par\pard\ql \li98\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex100 6.0\par\pard
\ql \li98\sb40\sl-149\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf114
\f115\fs13 4.0\par\pard\ql \li98\sb39\sl-149\slmult0\tx1715\tx2008 \up0 \expndtw
0\charscalex100 2.0\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf113\f114\
fs13 0.6\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf114\f115\fs13 0.3\pa
r\pard\ql \li98\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub
\cf113\f114\fs13 0.0\par\pard\column \ql \li9216\sb0\sl-149\slmult0 \par\pard\ql
\li9216\sb0\sl-149\slmult0 \par\pard\ql \li9216\sb0\sl-149\slmult0 \par\pard\ql
\li9216\sb0\sl-149\slmult0 \par\pard\ql \li9216\sb0\sl-149\slmult0 \par\pard\ql
\li20\sb100\sl-149\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf114\f
115\fs13 17.7\par\pard\column \ql \li9509\sb0\sl-149\slmult0 \par\pard\ql \li950
9\sb0\sl-149\slmult0 \par\pard\ql \li9509\sb0\sl-149\slmult0 \par\pard\ql \li950
9\sb0\sl-149\slmult0 \par\pard\ql \li9509\sb0\sl-149\slmult0 \par\pard\ql \li20\
sb20\sl-149\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf113\f114\fs13
18.5\par\pard\ql \li10348\sb0\sl-149\slmult0 \par\pard\ql \li10348\sb0\sl-149\s
lmult0 \par\pard\ql \li10348\sb0\sl-149\slmult0 \par\pard\ql \li10348\sb0\sl-149
\slmult0 \par\pard\ql \li10348\sb0\sl-149\slmult0 \par\pard\ql \li859\sb94\sl-14
9\slmult0 \up0 \expndtw0\charscalex100 FY 10\par\pard\ql \li859\sb92\sl-149\slmu
lt0 \up0 \expndtw0\charscalex100 FY 11 \par\pard\sect\sectd\sbknone \li1728\sb1\
sl-205\slmult0\fi0\tx7029\tx7991\tx9229 \dn3 \expndtw0\charscalex102 \ul0\nosupe
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157fc5affa397f1e7fe103f067ff009dfd007bd515e0bff0abfe2d7fd1cbf8f3ff00081f833ffcef
e8ff00855ff16bfe8e5fc79ff840fc19ff00e77f401eb7e2bff915bc4bff00600d63ff004dd735c1
fc01ff009211f053fec927c37ffd43b46ae5ef3e127c53bfb4bab1b9fda57c7af6d7b6d3da5c20f0
1fc1a42f05c44d0caa1d7c00194b46ec03290ca4e4104035ebfe0df0c59f827c21e15f0669d3dd5d
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28

00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
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00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a28
00a28a2800a28a2800a28a2800a28a2800a28a2800a28a2803ffd9}}}}}\pard\sb0\sl-240{\bkm
kstart Pg104}{\bkmkend Pg104}\par\pard\sect\sectd\sbknone\cols2\colno1\colw6469\
colsr160\colno2\colw5471\colsr160\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li
1728\sb0\sl-253\slmult0 \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li
1728\sb0\sl-253\slmult0 \par\pard\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li
1728\sb47\sl-253\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf25\f26\f
s22 Total non-current assets at Rs 5.7 billion in\par\pard\qj \li1728\ri495\sb2
3\sl-379\slmult0 \up0 \expndtw-1\charscalex100 FY11 showing a decrease of 30.1 p
ercent over \line \up0 \expndtw0\charscalex100 FY10. The main constituent wa
s long-term\par\pard\column \ql \li6629\sb0\sl-184\slmult0 \par\pard\ql \li6629
\sb0\sl-184\slmult0 \par\pard\ql \li20\sb175\sl-184\slmult0\tx3521 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Fin
ancial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011
\par\pard\ql \li7464\sb0\sl-230\slmult0 \par\pard\ql \li7464\sb0\sl-230\slmult0
\par\pard\ql \li855\sb171\sl-230\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosup
ersub\cf119\f120\fs20 Non- Current Assets\par\pard\ql \li567\sb129\sl-149\slmult
0\tx1783\tx2994 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf118\f119\fs13 FY
10\tab \up0 \expndtw0\charscalex100 FY 11\tab \up0 \expndtw0\charscalex100 Growt
h%\par\pard\ql \li20\sb0\sl-146\slmult0\tx533\tx3673 \up0 \expndtw0\charscalex10
0 \ul0\nosupersub\cf117\f118\fs13 9.0\tab \up0 \expndtw0\charscalex100 8.2\tab \
up0 \expndtw0\charscalex101 0%\par\pard\ql \li20\sb36\sl-149\slmult0\tx3674 \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf118\f119\fs13 8.0\tab \up0 \expndtw0\
charscalex101 \ul0\nosupersub\cf117\f118\fs13 -5%\par\pard\ql \li20\sb0\sl-130\s
lmult0 \up0 \expndtw0\charscalex100 7.0\par\pard\sect\sectd\sbknone\cols5\colno1
\colw6469\colsr160\colno2\colw248\colsr110\colno3\colw811\colsr20\colno4\colw242
3\colsr60\colno5\colw1829\colsr160\ql \li1728\sb76\sl-276\slmult0 \up0 \expndtw0
\charscalex104 \ul0\nosupersub\cf25\f26\fs22 investment which was\ul0\nosupersub
\cf17\f18\fs24 35.0\ul0\nosupersub\cf25\f26\fs22 percent of non-\par\pard\qj
\li1728\ri496\sb35\sl-379\slmult0 \up0 \expndtw-2\charscalex100 current assets i
n FY11. Long-term investments \line \up0 \expndtw0\charscalex106 at Rs 2.0 billi
on in FY11 decreased by 32.3 \line \up0 \expndtw-2\charscalex100 percent form Rs
3.0 billion in FY10. The fixed\par\pard\qj \li1728\ri495\sb0\sl-379\slmult0 \up
0 \expndtw-1\charscalex100 assets formation in investment banks at Rs 0.9 \up0 \
expndtw-3\charscalex100 billion in FY11 were Rs 1.1 billion in FY10.\par\pard\ql
\li1728\sb0\sl-276\slmult0 \par\pard\ql \li1728\sb211\sl-276\slmult0 \up0 \expn
dtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 P\ul0\nosupersub\cf42\f43\fs19
ROFITABILITY AND OPERATING EFFICIENCY\par\pard\column \ql \li20\sb39\sl-149\slmu
lt0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf117\f118\fs13 6.0\par\pard\ql
\li20\sb35\sl-149\slmult0 \up0 \expndtw0\charscalex100 5.0\par\pard\ql \li20\sb
36\sl-149\slmult0 \up0 \expndtw0\charscalex100 4.0\par\pard\ql \li20\sb35\sl-149
\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf118\f119\fs13 3.0\par\pa
rd\ql \li20\sb36\sl-149\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf1
17\f118\fs13 2.0\par\pard\ql \li20\sb35\sl-149\slmult0 \up0 \expndtw0\charscalex
100 \ul0\nosupersub\cf118\f119\fs13 1.0\par\pard\ql \li20\sb36\sl-149\slmult0 \u

p0 \expndtw0\charscalex100 \ul0\nosupersub\cf117\f118\fs13 0.0\par\pard\column \

ql \li409\sb0\sl-117\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf118\
f119\fs13 5.7\par\pard\ql \li7476\sb0\sl-149\slmult0 \par\pard\ql \li7476\sb0\sl
-149\slmult0 \par\pard\ql \li7476\sb0\sl-149\slmult0 \par\pard\ql \li7476\sb0\sl
-149\slmult0 \par\pard\ql \li7476\sb0\sl-149\slmult0 \par\pard\ql \li519\sb52\sl
-149\slmult0 \up0 \expndtw0\charscalex100 -30%\par\pard\ql \li6977\sb0\sl-149\sl
mult0 \par\pard\ql \li20\sb103\sl-149\slmult0 \up0 \expndtw0\charscalex102 \ul0\
nosupersub\cf117\f118\fs13 Non-Current\par\pard\ql \li200\sb12\sl-149\slmult0 \u
p0 \expndtw0\charscalex100 \ul0\nosupersub\cf118\f119\fs13 Assets\par\pard\colum
n \ql \li9537\sb0\sl-149\slmult0 \par\pard\ql \li1759\sb94\sl-149\slmult0 \up0 \
expndtw0\charscalex100 \ul0\nosupersub\cf117\f118\fs13 4.2\par\pard\ql \li499\sb
95\sl-149\slmult0\tx964\tx1993 \up0 \expndtw0\charscalex102 -21%\tab \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf118\f119\fs13 3.0\tab \up0 \expndtw0\charsca
lex100 2.9\par\pard\ql \li1188\sb2\sl-149\slmult0 \up0 \expndtw0\charscalex100 \
ul0\nosupersub\cf117\f118\fs13 2.0\par\pard\ql \li159\sb21\sl-149\slmult0 \up0 \
expndtw0\charscalex100 1.1 \up0 \expndtw0\charscalex100 0.9\par\pard\ql \li2099\
sb0\sl-123\slmult0 \up0 \expndtw0\charscalex102 -31%\par\pard\ql \li1299\sb0\sl117\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf118\f119\fs13 -32%\pa
r\pard\ql \li20\sb104\sl-149\slmult0\tx1667 \up0 \expndtw0\charscalex105 \ul0\no
supersub\cf117\f118\fs13 Fixed Assets Long Trem\tab \up0 \expndtw0\charscalex1
00 Other NCA\par\pard\ql \li1043\sb12\sl-149\slmult0 \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf118\f119\fs13 Invt.\par\pard\column \ql \li20\sb0\sl-117\sl
mult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf117\f118\fs13 -10%\par\pard
\qj \li20\ri1483\sb8\sl-235\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub
\cf118\f119\fs13 -15% \line \up0 \expndtw0\charscalex102 -20% \line \up0 \expndt
w0\charscalex102 -25%\par\pard\qj \li20\ri1483\sb2\sl-235\slmult0 \up0 \expndtw0
\charscalex102 \ul0\nosupersub\cf117\f118\fs13 -30% \line \up0 \expndtw0\charsca
lex102 -35%\par\pard\sect\sectd\sbknone\cols2\colno1\colw6303\colsr160\colno2\co
lw5637\colsr160\ql \li1728\sb212\sl-253\slmult0 \up0 \expndtw0\charscalex104 \ul
0\nosupersub\cf25\f26\fs22 Gross revenue at Rs \up0 \expndtw0\charscalex105 2
.4 billion in FY11\par\pard\qj \li1728\ri264\sb24\sl-379\slmult0 \up0 \expndt
w0\charscalex102 decreased by 17.0 percent from Rs 2.9 billion \line \up0 \expnd
tw0\charscalex102 in FY10. The administrative and operating\par\pard\column
\ql \li7425\sb0\sl-207\slmult0 \par\pard\ql \li982\sb64\sl-207\slmult0 \up0 \ex
pndtw-4\charscalex100 \ul0\nosupersub\cf122\f123\fs18 Profit & Loss Account\par\
pard\ql \li653\sb113\sl-138\slmult0\tx1786\tx2915 \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf120\f121\fs12 FY 10\tab \up0 \expndtw-1\charscalex100 FY 11\ta
b \up0 \expndtw-2\charscalex100 Growth%\par\pard\ql \li20\sb22\sl-138\slmult0\tx
3860 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf121\f122\fs12 4.0\tab \up0
\expndtw0\charscalex100 80%\par\pard\ql \li424\sb70\sl-138\slmult0\tx3005 \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf120\f121\fs12 2.9\tab \up0 \expndtw0\c
harscalex101 66%\par\pard\ql \li20\sb0\sl-108\slmult0\tx593\tx2149\tx3860 \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf121\f122\fs12 3.0\tab \up0 \expndtw-1\
charscalex100 2.4\tab \up0 \expndtw-1\charscalex100 2.2\tab \up0 \expndtw0\chars
calex100 60% \par\pard\sect\sectd\sbknone \ql \li8751\sb10\sl-128\slmult0 \up0 \
expndtw-1\charscalex100 2.0\par\pard\sect\sectd\sbknone\cols2\colno1\colw6265\co
lsr160\colno2\colw5675\colsr160\ql \li1728\sb27\sl-233\slmult0 \up0 \expndtw0\ch
arscalex100 \ul0\nosupersub\cf25\f26\fs22 expenses showed a decrease of 32.0 per
cent in\par\pard\qj \li1728\ri226\sb26\sl-379\slmult0 \up0 \expndtw0\charscalex1
00 FY11. Operating profit stayed at Rs 1.4 billion \up0 \expndtw0\charscalex101
in both FY10 and FY11.
Operating profit \up0 \expndtw-3\charscalex100 co
nstituted \up0 \expndtw0\charscalex100 47.8 percent and 57.3 percent of\par\
pard\ql \li1728\sb105\sl-253\slmult0 \up0 \expndtw-1\charscalex100 gross revenu
e in the years FY10 and FY11\par\pard\column \ql \li58\sb1\sl-136\slmult0\
tx1040\tx1614\tx3616 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf121\f122\fs
12 2.0\tab \up0 \expndtw-1\charscalex100 1.5\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf120\f121\fs12 1.4 \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf121\f122\fs12 1.4\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf120\f121
\fs12 45%\par\pard\ql \li1199\sb26\sl-138\slmult0\tx3898 \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf121\f122\fs12 1.0\tab \up0 \expndtw0\charscalex100 40%\

par\pard\ql \li58\sb1\sl-130\slmult0 \up0 \expndtw-1\charscalex100 1.0\par\pard\

ql \li3893\sb11\sl-138\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf12
0\f121\fs12 20%\par\pard\ql \li58\sb9\sl-138\slmult0 \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf121\f122\fs12 0.0\par\pard\ql \li545\sb27\sl-138\slmult0\tx
1057\tx1697\tx2279\tx2824\tx3388\tx3895 \up0 \expndtw-2\charscalex100 GR\tab \up
0 \expndtw-1\charscalex100 AMIN\tab \up0 \expndtw0\charscalex100 OP \up0 \expndt
w0\charscalex100 -1%\tab \up0 \expndtw-1\charscalex100 FC\tab \up0 \expndtw-1\ch
arscalex100 PBT\tab \up0 \expndtw0\charscalex100 PAT\tab \up0 \expndtw0\charscal
ex100 0%\par\pard\ql \li20\sb0\sl-114\slmult0\tx2470\tx2905\tx3478 \up0 \expndtw
-1\charscalex100 -1.0\tab \up0 \expndtw0\charscalex100 -10%\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf120\f121\fs12 -0.6\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf121\f122\fs12 -0.7\par\pard\ql \li6425\sb0\sl-138\slmult0
\par\pard\ql \li20\sb24\sl-138\slmult0\tx750\tx3314\tx3899 \up0 \expndtw-1\char
scalex100 -2.0\tab \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf120\f121\fs12
-17%\tab \up0 \expndtw-1\charscalex100 -1.3\tab \up0 \expndtw0\charscalex100 \ul
0\nosupersub\cf121\f122\fs12 -20%\par\pard\ql \li1319\sb27\sl-138\slmult0\tx2741
\up0 \expndtw0\charscalex100 -32%\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf120\f121\fs12 -1.9\par\pard\ql \li20\sb1\sl-128\slmult0\tx3899 \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf121\f122\fs12 -3.0\tab \up0 \expndtw0\char
scalex100 -40% \par\pard\sect\sectd\sbknone \qj \li1728\ri1254\sb26\sl-380\slmul
t0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf25\f26\fs22 respectively. Fina
nce cost decreased by10.4 percent to reach Rs 2.0 billion in FY11 from Rs 2.2 \u
p0 \expndtw0\charscalex104 billion in FY10. Losses of investment banks before an
d after taxes were Rs 0.6 billion and Rs 0.7 \up0 \expndtw-3\charscalex100 billi
on respectively in FY11.\par\pard\sect\sectd\sbknone\cols3\colno1\colw6046\colsr
160\colno2\colw1233\colsr160\colno3\colw4511\colsr160\ql \li1728\sb0\sl-253\slmu
lt0 \par\pard\ql \li1728\sb248\sl-253\slmult0 \up0 \expndtw0\charscalex100 Retur
n on equity \up0 \expndtw0\charscalex100 (ROE), return on capital\par\pard\
qj \li1728\ri73\sb23\sl-379\slmult0 \up0 \expndtw-3\charscalex100 employed (ROCE
) ,return on assets (ROA) and \up0 \expndtw0\charscalex100 also return on revenu
e (ROR) remained in the \up0 \expndtw-3\charscalex100 negative zone in FY11.\par
\pard\column \ql \li6303\sb0\sl-149\slmult0 \par\pard\ql \li6303\sb0\sl-149\slmu
lt0 \par\pard\ql \li6303\sb0\sl-149\slmult0 \par\pard\ql \li6303\sb0\sl-149\slmu
lt0 \par\pard\ql \li6303\sb0\sl-149\slmult0 \par\pard\ql \li117\sb7\sl-149\slmul
t0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf124\f125\fs13 0%\par\pard\ql
\li79\sb70\sl-149\slmult0\tx731 \up0 \expndtw-2\charscalex100 -5%\tab \up0 \expn
dtw-3\charscalex100 \ul0\nosupersub\cf123\f124\fs13 ROE\par\pard\ql \li20\sb69\s
l-149\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf124\f125\fs13 -10%
\par\pard\ql \li20\sb70\sl-149\slmult0 \up0 \expndtw-2\charscalex100 -15%\par\pa
rd\ql \li20\sb70\sl-149\slmult0 \up0 \expndtw-2\charscalex100 -20%\par\pard\ql \
li20\sb69\sl-149\slmult0 \up0 \expndtw-2\charscalex100 -25%\par\pard\ql \li20\sb
70\sl-149\slmult0\tx783 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf123\f124
\fs13 -30%\tab \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf124\f125\fs13 -24
.4%\par\pard\ql \li20\sb70\sl-149\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf123\f124\fs13 -35%\par\pard\ql \li528\sb0\sl-117\slmult0 \up0 \expndtw
-2\charscalex100 -34.0%\par\pard\ql \li20\sb0\sl-117\slmult0 \up0 \expndtw-2\cha
rscalex100 -40%\par\pard\ql \li20\sb54\sl-149\slmult0 \up0 \expndtw-2\charscalex
100 -45%\par\pard\ql \li20\sb70\sl-149\slmult0 \up0 \expndtw-2\charscalex100 -50
%\par\pard\column \ql \li7759\sb0\sl-218\slmult0 \par\pard\ql \li190\sb204\sl-21
8\slmult0 \up0 \expndtw-7\charscalex100 \ul0\nosupersub\cf125\f126\fs19 Profitab
ility Ratios\par\pard\ql \li7751\sb0\sl-149\slmult0 \par\pard\ql \li182\sb147\sl
-149\slmult0\tx1091\tx1966 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf123\f
124\fs13 ROCE\tab \up0 \expndtw-3\charscalex100 ROA\tab \up0 \expndtw-3\charscal
ex100 ROR\par\pard\ql \li924\sb47\sl-149\slmult0\tx2798 \up0 \expndtw-3\charscal
ex100 \ul0\nosupersub\cf124\f125\fs13 -5.1% \up0 \expndtw-3\charscalex100 \ul0\n
osupersub\cf123\f124\fs13 -3.0%\tab \up0 \expndtw-4\charscalex100 FY 10\par\pard
\ql \li299\sb56\sl-149\slmult0\tx2798 \up0 \expndtw-3\charscalex100 \ul0\nosuper
sub\cf124\f125\fs13 -9.8%\tab \up0 \expndtw-4\charscalex100 \ul0\nosupersub\cf12
3\f124\fs13 FY 11\par\pard\ql \li7589\sb0\sl-149\slmult0 \par\pard\ql \li7589\sb
0\sl-149\slmult0 \par\pard\ql \li20\sb38\sl-149\slmult0 \up0 \expndtw-3\charscal

ex100 -20.9%\par\pard\ql \li9341\sb0\sl-149\slmult0 \par\pard\ql \li2022\sb138\s

l-149\slmult0 \up0 \expndtw-3\charscalex100 -30.9%\par\pard\ql \li9341\sb0\sl-14
9\slmult0 \par\pard\ql \li9341\sb0\sl-149\slmult0 \par\pard\ql \li9341\sb0\sl-14
9\slmult0 \par\pard\ql \li1772\sb105\sl-149\slmult0 \up0 \expndtw-2\charscalex10
0 -46.9% \par\pard\sect\sectd\sbknone \ql \li6145\sb0\sl-276\slmult0 \par\pard\q
l\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\
li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li
6145\sb225\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18
\fs24 96 \par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmk
start Pg105}{\bkmkend Pg105}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\
sb133\sl-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f52\f53\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slm
ult0\par\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf57\f58\fs24 Investment Banks - Overall\tab \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\
sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0
\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \e
xpndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx789
3\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 7,500,397\tab \up0 \expndtw-1\charscalex100 9,526,688\tab \up0 \e
xpndtw-1\charscalex100 3,861,474\tab \up0 \expndtw-1\charscalex100 3,956,573\tab
\up0 \expndtw-1\charscalex100 3,006,203\par\pard\li900\sb88\sl-161\slmult0\fi19
4\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 4,338,053\tab \up0 \expndtw-1\charscalex100 7,625,153\tab \up
0 \expndtw-1\charscalex100 9,472,352\tab \up0 \expndtw-1\charscalex100 8,809,385
\tab \up0 \expndtw-1\charscalex100 8,809,385\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx6813\tx7893\tx9030\tx10110\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1,916,908\tab \up0 \expndtw-1\charscalex100 1,752,876\tab \up
0 \expndtw-1\charscalex100 (839,614)\tab \up0 \expndtw-1\charscalex100 (892,104)
\tab \up0 \expndtw-1\charscalex100 (858,319)\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx6813\tx7998\tx8924\tx10004\tx11084 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,245,436\tab \up0 \expndtw-1\charscalex100
148,659\tab \up0 \expndtw-1\charscalex100 (4,771,264)\tab \up0 \expndtw-1\chars
calex100 (3,960,708)\tab \up0 \expndtw-1\charscalex100 (4,944,863)\par\pard\li90
0\sb106\sl-161\slmult0\fi194\tx7053\tx7950\tx9030\tx10170\tx11250 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 7,989\tab \up0 \expndtw-1\charscalex100 (
711,925)\tab \up0 \expndtw-1\charscalex100 (135,740)\tab \up0 \expndtw-1\charsca
lex100 (69,578)\tab \up0 \expndtw-1\charscalex100 (95,026)\par\pard\li900\sb103\
sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 36,518,018\tab \up0 \expndtw-1
\charscalex100 45,556,092\tab \up0 \expndtw-1\charscalex100 32,722,638\tab \up0
\expndtw-1\charscalex100 22,647,951\tab \up0 \expndtw-1\charscalex100 21,724,900
\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current liabilities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27,018,735\tab \
up0 \expndtw-1\charscalex100 33,856,343\tab \up0 \expndtw-1\charscalex100 22,467
,310\tab \up0 \expndtw-1\charscalex100 17,502,134\tab \up0 \expndtw-1\charscalex
100 18,024,891\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7833\tx8913\tx
10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Noncurrent liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 9,499,283\tab \up0 \expndtw-1\charscalex100 11,699,749\tab \up0 \expndtw-1\c

harscalex100 10,255,328\tab \up0 \expndtw-1\charscalex100 5,145,817\tab \up0 \ex

pndtw-1\charscalex100 3,700,009\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6753\
tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 44,026,404\tab \up0 \expndtw-1\charscalex100 54,370,855\tab \up0
\expndtw-1\charscalex100 36,448,372\tab \up0 \expndtw-1\charscalex100 26,534,94
6\tab \up0 \expndtw-1\charscalex100 24,636,077\par\pard\li900\sb88\sl-161\slmult
0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 32,933,616\tab \up0 \expndtw-1\charscalex100 38
,590,037\tab \up0 \expndtw-1\charscalex100 22,359,537\tab \up0 \expndtw-1\charsc
alex100 18,320,595\tab \up0 \expndtw-1\charscalex100 18,890,811\par\pard\li900\s
b106\sl-161\slmult0\fi350\tx6813\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,926,145\tab \up0 \expndtw
-1\charscalex100 1,792,740\tab \up0 \expndtw-1\charscalex100 879,937\tab \up0 \e
xpndtw-1\charscalex100 627,788\tab \up0 \expndtw-1\charscalex100 346,320\par\par
d\li900\sb108\sl-161\slmult0\fi350\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 28,007,471\tab \up0 \e
xpndtw-1\charscalex100 36,797,297\tab \up0 \expndtw-1\charscalex100 21,479,600\t
ab \up0 \expndtw-1\charscalex100 17,692,807\tab \up0 \expndtw-1\charscalex100 18
,544,491\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-curren
t assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 11,092,788\tab \up0 \expndtw-1\charscalex100 15,780,818\tab \up0 \expndtw-1
\charscalex100 14,088,835\tab \up0 \expndtw-1\charscalex100 8,214,351\tab \up0 \
expndtw-1\charscalex100 5,745,266\par\pard\li900\sb107\sl-161\slmult0\fi350\tx69
18\tx7893\tx8973\tx10053\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 800,487\tab \up0 \expndtw-1\charscalex100 1,651,142\tab \up0 \expndt
w-1\charscalex100 2,357,479\tab \up0 \expndtw-1\charscalex100 1,089,410\tab \up0
\expndtw-1\charscalex100 860,819\par\pard\li900\sb107\sl-161\slmult0\fi350\tx68
13\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 7,902,283\tab \up0 \expndtw-1\charscalex100 9,118,257\tab \
up0 \expndtw-1\charscalex100 3,765,840\tab \up0 \expndtw-1\charscalex100 2,971,8
74\tab \up0 \expndtw-1\charscalex100 2,010,597\par\pard\li900\sb106\sl-161\slmul
t0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 2,390,018\tab \up0 \expndtw-1\charscalex100
5,011,419\tab \up0 \expndtw-1\charscalex100 7,965,516\tab \up0 \expndtw-1\chars
calex100 4,153,067\tab \up0 \expndtw-1\charscalex100 2,873,850\par\pard\li900\sb
103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Gross revenue\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 5,554,355\tab \up0 \expndtw-1\charscalex100 6,599,385\tab \up0 \expndtw-1\
charscalex100 2,808,171\tab \up0 \expndtw-1\charscalex100 2,862,407\tab \up0 \ex
pndtw-1\charscalex100 2,374,446\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813
\tx7893\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Administartive & operating expenses\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 1,270,194\tab \up0 \expndtw-1\charscalex100 1,9
14,881\tab \up0 \expndtw-1\charscalex100 998,055\tab \up0 \expndtw-1\charscalex1
00 1,493,077\tab \up0 \expndtw-1\charscalex100 1,014,633\par\pard\li900\sb107\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 4,284,161\tab \up0 \expndtw-1\charscalex1
00 4,545,526\tab \up0 \expndtw-1\charscalex100 1,810,116\tab \up0 \expndtw-1\cha
rscalex100 1,369,330\tab \up0 \expndtw-1\charscalex100 1,359,813\par\pard\li900\

sb107\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\

charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Finance cost\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 2,571,670\tab \up0 \expndtw-1\charsca
lex100 2,977,616\tab \up0 \expndtw-1\charscalex100 3,259,862\tab \up0 \expndtw-1
\charscalex100 2,235,220\tab \up0 \expndtw-1\charscalex100 2,002,115\par\pard\li
900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx8924\tx10004\tx11190 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) before taxation\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 673,562\tab \up0
\expndtw-1\charscalex100 694,271\tab \up0 \expndtw-1\charscalex100 (5,043,689)\
tab \up0 \expndtw-1\charscalex100 (1,885,521)\tab \up0 \expndtw-1\charscalex100
(645,262)\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx8924\tx10004
\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(l
oss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 693,041\tab \up0 \expndtw-1\charscalex100 934,899\tab \up0 \expndtw-1\charsc
alex100 (4,063,536)\tab \up0 \expndtw-1\charscalex100 (1,343,741)\tab \up0 \expn
dtw-1\charscalex100 (732,978)\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\
sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of shares\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 343,804\tab \up0 \expndtw-1\charscale
x100 676,615\tab \up0 \expndtw-1\charscalex100 857,235\tab \up0 \expndtw-1\chars
calex100 880,939\tab \up0 \expndtw-1\charscalex100 880,939\par\pard\li900\sb106\
sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\
tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab
\up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb107\sl-161\slmult0\fi194\tx72
00\tx8280\tx9360\tx10440\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \e
xpndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expnd
tw-1\charscalex100 N/A\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7844\t
x9030\tx10053\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 761,062\tab \up0 \expndtw-1\charscalex100 (1,530,06
6)\tab \up0 \expndtw-1\charscalex100 (992,255)\tab \up0 \expndtw-1\charscalex100
3,104,579\tab \up0 \expndtw-1\charscalex100 (650,523)\par\pard\li900\sb102\sl-1
84\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Ef
ficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx
7038\tx8118\tx9000\tx10140\tx11220 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 9.24%\tab \up0 \expndtw-1\charscalex100 9.81%\tab
\up0 \expndtw-1\charscalex100 -105.23%\tab \up0 \expndtw-1\charscalex100 -33.96
%\tab \up0 \expndtw-1\charscalex100 -24.38%\par\pard\li900\sb107\sl-161\slmult0\
fi194\tx7038\tx8118\tx9060\tx10140\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.96%\tab \up0 \expndtw-1
\charscalex100 3.38%\tab \up0 \expndtw-1\charscalex100 -36.08%\tab \up0 \expndtw
-1\charscalex100 -20.87%\tab \up0 \expndtw-1\charscalex100 -9.76%\par\pard\li900
\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9060\tx10215\tx11295 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.57%\tab \up0 \exp
ndtw-1\charscalex100 1.72%\tab \up0 \expndtw-1\charscalex100 -11.15%\tab \up0 \e
xpndtw-1\charscalex100 -5.06%\tab \up0 \expndtw-1\charscalex100 -2.98%\par\pard\
li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9000\tx10140\tx11220 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (ROR) (D6/
D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.48%\tab \
up0 \expndtw-1\charscalex100 14.17%\tab \up0 \expndtw-1\charscalex100 -144.70%\t
ab \up0 \expndtw-1\charscalex100 -46.94%\tab \up0 \expndtw-1\charscalex100 -30.8
7%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6903\tx7983\tx9060\tx10080\tx1116

0 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expens

es to net income (D2/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 183.28%\tab \up0 \expndtw-1\charscalex100 204.82%\tab \up0 \expndtw-1\c
harscalex100 -24.56%\tab \up0 \expndtw-1\charscalex100 -111.11%\tab \up0 \expndt
w-1\charscalex100 -138.43%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx82
23\tx9240\tx10320\tx11400 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 6.Earning per share (D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2.02\tab \up0 \expndtw-1\charscalex100 1.38\tab \up0 \expndtw1\charscalex100 -4.74\tab \up0 \expndtw-1\charscalex100 -1.53\tab \up0 \expndtw1\charscalex100 -0.83\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb8
7\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets to current liabilities
(C1/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.22\tab \up0 \expndtw-1\charscalex100 1.14\tab \up0 \expndtw-1\charscalex100 1.
00\tab \up0 \expndtw-1\charscalex100 1.05\tab \up0 \expndtw-1\charscalex100 1.05
\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities
to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.83\tab \up0 \expndtw-1\charscalex100 0.84\tab \up0 \expndtw-1\ch
arscalex100 0.90\tab \up0 \expndtw-1\charscalex100 0.85\tab \up0 \expndtw-1\char
scalex100 0.88\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx
10218\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long
term investment to total assets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 17.95%\tab \up0 \expndtw-1\charscalex100 16.77%\tab \up
0 \expndtw-1\charscalex100 10.33%\tab \up0 \expndtw-1\charscalex100 11.20%\tab \
up0 \expndtw-1\charscalex100 8.16%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage rati
os\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17.04%\tab \u
p0 \expndtw-1\charscalex100 17.52%\tab \up0 \expndtw-1\charscalex100 10.59%\tab
\up0 \expndtw-1\charscalex100 14.91%\tab \up0 \expndtw-1\charscalex100 12.20%\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per sh
are (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21.82
\tab \up0 \expndtw-1\charscalex100 14.08\tab \up0 \expndtw-1\charscalex100 4.50\
tab \up0 \expndtw-1\charscalex100 4.49\tab \up0 \expndtw-1\charscalex100 3.41\pa
r\pard\ql \li944\sb89\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 I.Cash flow ratio \par\pard\li1094\sb101\sl-161\slmult0\fi0\tx7
143\tx8160\tx9303\tx10320\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Cash generated from operating activities to profit after tax. (E
4/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.
10\tab \up0 \expndtw-1\charscalex100 -1.64\tab \up0 \expndtw-1\charscalex100 0.2
4\tab \up0 \expndtw-1\charscalex100 -2.31\tab \up0 \expndtw-1\charscalex100 0.89
\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \
par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \pa
r\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\
pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pa
rd\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard
\ql\li6037\sb23\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 97
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g106}{\bkmkend Pg106}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Escorts Investment Bank\tab \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slm
ult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2
\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\c
harscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\t
x10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tot
al equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 802,233\tab \up0 \expndtw-1\charscalex100 851,850\tab \up0 \expndtw-1\chars
calex100 597,403\tab \up0 \expndtw-1\charscalex100 366,292\tab \up0 \expndtw-1\c
harscalex100 304,107\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx90
78\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
41,000\tab \up0 \expndtw-1\charscalex100 441,000\tab \up0 \expndtw-1\charscalex1
00 441,000\tab \up0 \expndtw-1\charscalex100 441,000\tab \up0 \expndtw-1\charsca
lex100 441,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx
10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Rese
rves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 126,487\tab
\up0 \expndtw-1\charscalex100 154,050\tab \up0 \expndtw-1\charscalex100 154,050
\tab \up0 \expndtw-1\charscalex100 154,050\tab \up0 \expndtw-1\charscalex100 154
,050\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9213\tx10110\tx11
190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated
profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 234
,746\tab \up0 \expndtw-1\charscalex100 256,800\tab \up0 \expndtw-1\charscalex100
2,353\tab \up0 \expndtw-1\charscalex100 (228,758)\tab \up0 \expndtw-1\charscale
x100 (290,943)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6930\tx8084\tx9213\tx

10293\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Othe

rs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (15,402)\tab
\up0 \expndtw-1\charscalex100 (3,533)\tab \up0 \expndtw-1\charscalex100 7,269\ta
b \up0 \expndtw-1\charscalex100 6,824\tab \up0 \expndtw-1\charscalex100 (2,498)\
par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \d
n3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B
1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,147,82
9\tab \up0 \expndtw-1\charscalex100 5,648,593\tab \up0 \expndtw-1\charscalex100
1,502,971\tab \up0 \expndtw-1\charscalex100 1,289,870\tab \up0 \expndtw-1\charsc
alex100 1,843,908\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx9078\
tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cu
rrent liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 4,168,563\tab \up0 \expndtw-1\charscalex100 4,737,057\tab \up0 \expndtw-1\char
scalex100 971,888\tab \up0 \expndtw-1\charscalex100 866,129\tab \up0 \expndtw-1\
charscalex100 1,726,105\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Non-current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 979,266\tab \up0 \expndtw-1\charscalex100 911,536\tab \up0 \expndtw
-1\charscalex100 531,083\tab \up0 \expndtw-1\charscalex100 423,741\tab \up0 \exp
ndtw-1\charscalex100 117,803\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 5,934,660\tab \up0 \expndtw-1\charscalex100 6,496,910\tab \up0 \ex
pndtw-1\charscalex100 2,107,643\tab \up0 \expndtw-1\charscalex100 1,662,986\tab
\up0 \expndtw-1\charscalex100 2,145,517\par\pard\li900\sb88\sl-161\slmult0\fi194
\tx6813\tx7893\tx8973\tx10158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 5,013,161\tab \up0 \expndtw-1\charscalex100 5,394,443
\tab \up0 \expndtw-1\charscalex100 1,108,243\tab \up0 \expndtw-1\charscalex100 8
51,787\tab \up0 \expndtw-1\charscalex100 1,712,396\par\pard\li900\sb106\sl-161\s
lmult0\fi350\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 133,428\tab \up0 \expndtw-1\charscalex10
0 306,542\tab \up0 \expndtw-1\charscalex100 19,478\tab \up0 \expndtw-1\charscale
x100 19,508\tab \up0 \expndtw-1\charscalex100 26,435\par\pard\li900\sb108\sl-161
\slmult0\fi350\tx6813\tx7893\tx8973\tx10158\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 4,879,733\tab \up0 \expndtw-1\charscalex1
00 5,087,901\tab \up0 \expndtw-1\charscalex100 1,088,765\tab \up0 \expndtw-1\cha
rscalex100 832,279\tab \up0 \expndtw-1\charscalex100 1,685,961\par\pard\li900\sb
106\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 921,499\tab \up0 \exp
ndtw-1\charscalex100 1,102,467\tab \up0 \expndtw-1\charscalex100 999,400\tab \up
0 \expndtw-1\charscalex100 811,199\tab \up0 \expndtw-1\charscalex100 433,121\par
\pard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10218\tx11298 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 143,160\tab \up0 \expndtw
-1\charscalex100 135,383\tab \up0 \expndtw-1\charscalex100 106,581\tab \up0 \exp
ndtw-1\charscalex100 90,658\tab \up0 \expndtw-1\charscalex100 82,739\par\pard\li
900\sb107\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Long-term investments\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 569,162\tab \up0 \expndt
w-1\charscalex100 556,374\tab \up0 \expndtw-1\charscalex100 544,938\tab \up0 \ex
pndtw-1\charscalex100 530,943\tab \up0 \expndtw-1\charscalex100 157,234\par\pard
\li900\sb106\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current assets\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 209,177\tab \up0 \
expndtw-1\charscalex100 410,710\tab \up0 \expndtw-1\charscalex100 347,881\tab \u
p0 \expndtw-1\charscalex100 189,598\tab \up0 \expndtw-1\charscalex100 193,148\pa

r\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe

rsub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi
194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Gross revenue\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 841,512\tab \up0 \expndtw-1\charscalex100 804,919\tab \up0
\expndtw-1\charscalex100 356,524\tab \up0 \expndtw-1\charscalex100 182,339\tab \
up0 \expndtw-1\charscalex100 226,765\par\pard\li900\sb106\sl-161\slmult0\fi194\t
x6918\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Administartive & operating expenses\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 216,349\tab \up0 \expndtw-1\charscalex100
238,319\tab \up0 \expndtw-1\charscalex100 141,833\tab \up0 \expndtw-1\charscalex
100 91,007\tab \up0 \expndtw-1\charscalex100 85,905\par\pard\li900\sb107\sl-161\
slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 625,163\tab \up0 \expndtw-1\charscalex100 566,
600\tab \up0 \expndtw-1\charscalex100 214,691\tab \up0 \expndtw-1\charscalex100
91,332\tab \up0 \expndtw-1\charscalex100 140,860\par\pard\li900\sb107\sl-161\slm
ult0\fi194\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Finance cost\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 163,248\tab \up0 \expndtw-1\charscalex100 201,267\tab
\up0 \expndtw-1\charscalex100 92,854\tab \up0 \expndtw-1\charscalex100 32,358\t
ab \up0 \expndtw-1\charscalex100 76,167\par\pard\li900\sb106\sl-161\slmult0\fi19
4\tx6918\tx8058\tx9213\tx10110\tx11250 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 5.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 141,201\tab \up0 \expndtw-1\charscalex100 94,
512\tab \up0 \expndtw-1\charscalex100 3,803\tab \up0 \expndtw-1\charscalex100 (1
11,835)\tab \up0 \expndtw-1\charscalex100 (64,410)\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx6918\tx7998\tx9030\tx10110\tx11250 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 130,164\tab \up0 \expndtw-1\charsca
lex100 137,817\tab \up0 \expndtw-1\charscalex100 (166,247)\tab \up0 \expndtw-1\c
harscalex100 (115,298)\tab \up0 \expndtw-1\charscalex100 (62,185)\par\pard\li900
\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 E.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx91
38\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.No. of shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4
4,100\tab \up0 \expndtw-1\charscalex100 44,100\tab \up0 \expndtw-1\charscalex100
44,100\tab \up0 \expndtw-1\charscalex100 44,100\tab \up0 \expndtw-1\charscalex1
00 44,100\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6933\tx8013\tx9168\tx10248
\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash divi
dend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.00%\tab
\up0 \expndtw-1\charscalex100 20.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par
\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus s
hares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\
pard\li900\sb107\sl-161\slmult0\fi194\tx6870\tx7998\tx9030\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from ope
rating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 (454,432)\tab \up0 \expndtw-1\charscalex100 259,937\tab \up0 \expndtw-1\charsc
alex100 (124,831)\tab \up0 \expndtw-1\charscalex100 188,243\tab \up0 \expndtw-1\
charscalex100 134,071\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability rat
ios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9060\tx10140\tx1122
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity
(ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16
.23%\tab \up0 \expndtw-1\charscalex100 16.18%\tab \up0 \expndtw-1\charscalex100
-27.83%\tab \up0 \expndtw-1\charscalex100 -31.48%\tab \up0 \expndtw-1\charscalex

100 -20.45%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx101
40\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return
on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 8.00%\tab \up0 \expndtw-1\charscalex100 5.37%\tab \up0 \e
xpndtw-1\charscalex100 0.33%\tab \up0 \expndtw-1\charscalex100 -14.03%\tab \up0
\expndtw-1\charscalex100 -15.36%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx703
8\tx8118\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 2.19%\tab \up0 \expndtw-1\charscalex100 2.12%\tab \u
p0 \expndtw-1\charscalex100 -7.89%\tab \up0 \expndtw-1\charscalex100 -6.93%\tab
\up0 \expndtw-1\charscalex100 -2.90%\par\pard\li900\sb106\sl-161\slmult0\fi194\t
x6978\tx8058\tx9060\tx10140\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.Return on revenue (ROR) (D6/D1)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 15.47%\tab \up0 \expndtw-1\charscalex100 17.12
%\tab \up0 \expndtw-1\charscalex100 -46.63%\tab \up0 \expndtw-1\charscalex100 -6
3.23%\tab \up0 \expndtw-1\charscalex100 -27.42%\par\pard\li900\sb107\sl-161\slmu
lt0\fi194\tx6903\tx7983\tx9060\tx10140\tx11160 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 166.21%\tab \up0 \expndtw1\charscalex100 172.92%\tab \up0 \expndtw-1\charscalex100 -85.31%\tab \up0 \expn
dtw-1\charscalex100 -78.93%\tab \up0 \expndtw-1\charscalex100 -138.14%\par\pard\
li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10320\tx11400 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Earning per share (D6/E1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.95\tab \up0 \exp
ndtw-1\charscalex100 3.13\tab \up0 \expndtw-1\charscalex100 -3.77\tab \up0 \expn
dtw-1\charscalex100 -2.61\tab \up0 \expndtw-1\charscalex100 -1.41\par\pard\li900
\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 G.Liquidity ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143\tx8223
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Current assets to current liabilities (C1/B1) (times)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.20\tab \up0 \expndtw-1\charscalex1
00 1.14\tab \up0 \expndtw-1\charscalex100 1.14\tab \up0 \expndtw-1\charscalex100
0.98\tab \up0 \expndtw-1\charscalex100 0.99\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.87\tab \up0 \expndtw
-1\charscalex100 0.87\tab \up0 \expndtw-1\charscalex100 0.71\tab \up0 \expndtw-1
\charscalex100 0.78\tab \up0 \expndtw-1\charscalex100 0.86\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10218\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total assets (C2
b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.59%\tab \
up0 \expndtw-1\charscalex100 8.56%\tab \up0 \expndtw-1\charscalex100 25.86%\tab
\up0 \expndtw-1\charscalex100 31.93%\tab \up0 \expndtw-1\charscalex100 7.33%\par
\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb87\sl-161\slmult0\
fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 13.52%\tab \up0 \expndtw-1\charscalex100 13.11%\tab
\up0 \expndtw-1\charscalex100 28.34%\tab \up0 \expndtw-1\charscalex100 22.03%\t
ab \up0 \expndtw-1\charscalex100 14.17%\par\pard\li900\sb107\sl-161\slmult0\fi19
4\tx7083\tx8163\tx9243\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 18.19\tab \up0 \expndtw-1\charscalex100 19.
32\tab \up0 \expndtw-1\charscalex100 13.55\tab \up0 \expndtw-1\charscalex100 8.3
1\tab \up0 \expndtw-1\charscalex100 6.90\par\pard\ql \li944\sb89\sl-184\slmult0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash flow ratio \p
ar\pard\li1094\sb101\sl-161\slmult0\fi0\tx7080\tx8223\tx9303\tx10320\tx11400 \dn
2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from o
perating activities to profit after tax. (E4/D6) (times)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.49\tab \up0 \expndtw-1\charscalex100

1.89\tab \up0 \expndtw-1\charscalex100 0.75\tab \up0 \expndtw-1\charscalex100 1.63\tab \up0 \expndtw-1\charscalex100 -2.16\par\pard\ql \li6037\sb0\sl-161\slmu
lt0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult
0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0
\par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \p
ar\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par
\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb23\sl-161\slmult0 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 98
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l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 First Credit and Investment Bank\tab \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\s
l-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \
expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \ex
pndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998
\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 553,901\tab \up0 \expndtw-1\charscalex100 557,982\tab \up0 \expndt
w-1\charscalex100 808,568\tab \up0 \expndtw-1\charscalex100 816,442\tab \up0 \ex

pndtw-1\charscalex100 727,979\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx
7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 119,582\tab \up0 \expndtw-1\charscalex100 400,000\tab \up0 \expndtw-1\ch
arscalex100 650,000\tab \up0 \expndtw-1\charscalex100 650,000\tab \up0 \expndtw1\charscalex100 650,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11
1,350\tab \up0 \expndtw-1\charscalex100 114,558\tab \up0 \expndtw-1\charscalex10
0 116,089\tab \up0 \expndtw-1\charscalex100 117,663\tab \up0 \expndtw-1\charscal
ex100 117,663\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx1
0218\tx11250 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unapp
ropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 322,969\tab \up0 \expndtw-1\charscalex100 43,424\tab \up0 \expndtw-1\chars
calex100 42,479\tab \up0 \expndtw-1\charscalex100 48,779\tab \up0 \expndtw-1\cha
rscalex100 (39,684)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7004\tx8084\tx90
90\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (6,392)\
tab \up0 \expndtw-1\charscalex100 (7,800)\tab \up0 \expndtw-1\charscalex100 (22,
388)\tab \up0 \expndtw-1\charscalex100 (14,967)\tab \up0 \expndtw-1\charscalex10
0 (12,586)\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10158
\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total lia
bilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 1,510,995\tab \up0 \expndtw-1\charscalex100 1,179,071\tab \up0 \expndtw-1\cha
rscalex100 1,014,317\tab \up0 \expndtw-1\charscalex100 663,249\tab \up0 \expndtw
-1\charscalex100 802,483\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\
tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 1,301,977\tab \up0 \expndtw-1\charscalex100 1,089,771\tab \up0 \expndtw
-1\charscalex100 1,014,217\tab \up0 \expndtw-1\charscalex100 533,249\tab \up0 \e
xpndtw-1\charscalex100 594,358\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\
tx8058\tx9303\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 209,018\tab \up0 \expndtw-1\charscalex100 89,300\tab \up0 \e
xpndtw-1\charscalex100 100\tab \up0 \expndtw-1\charscalex100 130,000\tab \up0 \e
xpndtw-1\charscalex100 208,125\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2,058,504\tab \up0 \expndtw-1\charscalex100 1,729,253\tab \up0 \
expndtw-1\charscalex100 1,800,497\tab \up0 \expndtw-1\charscalex100 1,464,724\ta
b \up0 \expndtw-1\charscalex100 1,517,876\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx6813\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 1,279,324\tab \up0 \expndtw-1\charscalex100 1,000,4
27\tab \up0 \expndtw-1\charscalex100 835,328\tab \up0 \expndtw-1\charscalex100 6
21,476\tab \up0 \expndtw-1\charscalex100 699,193\par\pard\li900\sb106\sl-161\slm
ult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 25,187\tab \up0 \expndtw-1\charscalex100 1
3,969\tab \up0 \expndtw-1\charscalex100 31,469\tab \up0 \expndtw-1\charscalex100
18,898\tab \up0 \expndtw-1\charscalex100 8,598\par\pard\li900\sb108\sl-161\slmu
lt0\fi350\tx6813\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1,254,137\tab \up0 \expndtw-1\charscalex100 98
6,458\tab \up0 \expndtw-1\charscalex100 803,859\tab \up0 \expndtw-1\charscalex10
0 602,578\tab \up0 \expndtw-1\charscalex100 690,595\par\pard\li900\sb106\sl-161\
slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 779,180\tab \up0 \expndtw-1\char
scalex100 728,826\tab \up0 \expndtw-1\charscalex100 965,169\tab \up0 \expndtw-1\

charscalex100 843,248\tab \up0 \expndtw-1\charscalex100 818,683\par\pard\li900\s

b107\sl-161\slmult0\fi350\tx6978\tx8133\tx9213\tx10293\tx11298 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 12,478\tab \up0 \expndtw-1\charscalex1
00 9,730\tab \up0 \expndtw-1\charscalex100 6,943\tab \up0 \expndtw-1\charscalex1
00 4,461\tab \up0 \expndtw-1\charscalex100 12,072\par\pard\li900\sb107\sl-161\sl
mult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 434,867\tab \up0 \expndtw-1\charscalex100 6
29,687\tab \up0 \expndtw-1\charscalex100 788,163\tab \up0 \expndtw-1\charscalex1
00 786,088\tab \up0 \expndtw-1\charscalex100 676,605\par\pard\li900\sb106\sl-161
\slmult0\fi350\tx6918\tx8058\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 331,835\tab \up0 \expndtw-1\charscale
x100 89,409\tab \up0 \expndtw-1\charscalex100 170,063\tab \up0 \expndtw-1\charsc
alex100 52,699\tab \up0 \expndtw-1\charscalex100 130,006\par\pard\li900\sb103\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.
Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9
078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Gross revenue\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
190,286\tab \up0 \expndtw-1\charscalex100 178,306\tab \up0 \expndtw-1\charscalex
100 214,296\tab \up0 \expndtw-1\charscalex100 164,282\tab \up0 \expndtw-1\charsc
alex100 137,804\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\t
x10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Adm
inistartive & operating expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 29,860\tab \up0 \expndtw-1\charscalex100 39,328\tab \up0 \expnd
tw-1\charscalex100 46,240\tab \up0 \expndtw-1\charscalex100 49,064\tab \up0 \exp
ndtw-1\charscalex100 49,177\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx8
358\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Operating profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 160,426\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsc
alex100 168,056\tab \up0 \expndtw-1\charscalex100 115,218\tab \up0 \expndtw-1\ch
arscalex100 88,627\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx907
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.
Finance cost\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 102
,522\tab \up0 \expndtw-1\charscalex100 102,461\tab \up0 \expndtw-1\charscalex100
106,488\tab \up0 \expndtw-1\charscalex100 81,280\tab \up0 \expndtw-1\charscalex
100 92,344\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1029
3\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(
loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 57,377\tab \up0 \expndtw-1\charscalex100 24,923\tab \up0 \expndtw-1\charsc
alex100 12,751\tab \up0 \expndtw-1\charscalex100 5,015\tab \up0 \expndtw-1\chars
calex100 (136,419)\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx921
3\tx10293\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.
Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 55,673\tab \up0 \expndtw-1\charscalex100 16,038\tab \up0 \expndtw-1
\charscalex100 7,655\tab \up0 \expndtw-1\charscalex100 7,874\tab \up0 \expndtw-1
\charscalex100 (88,462)\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of shares\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 11,958\tab \up0 \expndtw-1\charscalex100 44
,100\tab \up0 \expndtw-1\charscalex100 65,000\tab \up0 \expndtw-1\charscalex100
65,000\tab \up0 \expndtw-1\charscalex100 65,000\par\pard\li900\sb106\sl-161\slmu
lt0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up
0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up
0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx700
8\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf

51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6870
\tx8010\tx9078\tx10158\tx11190 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 (208,675)\tab \up0 \expndtw-1\charscalex10
0 (12,572)\tab \up0 \expndtw-1\charscalex100 388,496\tab \up0 \expndtw-1\charsca
lex100 351,427\tab \up0 \expndtw-1\charscalex100 (115,855)\par\pard\li900\sb102\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
F.Efficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi19
4\tx6978\tx8118\tx9198\tx10278\tx11220 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 10.05%\tab \up0 \expndtw-1\charscalex100 2.87
%\tab \up0 \expndtw-1\charscalex100 0.95%\tab \up0 \expndtw-1\charscalex100 0.96
%\tab \up0 \expndtw-1\charscalex100 -12.15%\par\pard\li900\sb107\sl-161\slmult0\
fi194\tx7038\tx8118\tx9198\tx10278\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7.58%\tab \up0 \expndtw-1
\charscalex100 3.90%\tab \up0 \expndtw-1\charscalex100 1.62%\tab \up0 \expndtw-1
\charscalex100 0.54%\tab \up0 \expndtw-1\charscalex100 -14.77%\par\pard\li900\sb
107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11295 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.71%\tab \up0 \expndt
w-1\charscalex100 0.93%\tab \up0 \expndtw-1\charscalex100 0.43%\tab \up0 \expndt
w-1\charscalex100 0.54%\tab \up0 \expndtw-1\charscalex100 -5.83%\par\pard\li900\
sb106\sl-161\slmult0\fi194\tx6978\tx8118\tx9198\tx10278\tx11220 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (ROR) (D6/D1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 29.26%\tab \up0 \e
xpndtw-1\charscalex100 8.99%\tab \up0 \expndtw-1\charscalex100 3.57%\tab \up0 \e
xpndtw-1\charscalex100 4.79%\tab \up0 \expndtw-1\charscalex100 -64.19%\par\pard\
li900\sb107\sl-161\slmult0\fi194\tx6978\tx7983\tx9063\tx10143\tx11220 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expenses to net in
come (D2/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 53.
64%\tab \up0 \expndtw-1\charscalex100 245.22%\tab \up0 \expndtw-1\charscalex100
604.05%\tab \up0 \expndtw-1\charscalex100 623.11%\tab \up0 \expndtw-1\charscalex
100 -55.59%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx103
83\tx11400 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Earning
per share (D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4.66\tab \up0 \expndtw-1\charscalex100 0.36\tab \up0 \expndtw-1\charscalex100
0.12\tab \up0 \expndtw-1\charscalex100 0.12\tab \up0 \expndtw-1\charscalex100 1.36\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb87\sl-161\slmult0\
fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Current assets to current liabilities (C1/B1) (times)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.98\tab \up0 \ex
pndtw-1\charscalex100 0.92\tab \up0 \expndtw-1\charscalex100 0.82\tab \up0 \expn
dtw-1\charscalex100 1.17\tab \up0 \expndtw-1\charscalex100 1.18\par\pard\li900\s
b107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (
B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.7
3\tab \up0 \expndtw-1\charscalex100 0.68\tab \up0 \expndtw-1\charscalex100 0.56\
tab \up0 \expndtw-1\charscalex100 0.45\tab \up0 \expndtw-1\charscalex100 0.53\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment
to total assets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 21.13%\tab \up0 \expndtw-1\charscalex100 36.41%\tab \up0 \expndtw-1\char
scalex100 43.77%\tab \up0 \expndtw-1\charscalex100 53.67%\tab \up0 \expndtw-1\ch
arscalex100 44.58%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li90

0\sb87\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2

\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26.91%\tab \up0 \expndtw-1\ch
arscalex100 32.27%\tab \up0 \expndtw-1\charscalex100 44.91%\tab \up0 \expndtw-1\
charscalex100 55.74%\tab \up0 \expndtw-1\charscalex100 47.96%\par\pard\li900\sb1
07\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.32\tab \up0 \expnd
tw-1\charscalex100 12.65\tab \up0 \expndtw-1\charscalex100 12.44\tab \up0 \expnd
tw-1\charscalex100 12.56\tab \up0 \expndtw-1\charscalex100 11.20\par\pard\ql \li
944\sb89\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 I.Cash flow ratio \par\pard\li1094\sb101\sl-161\slmult0\fi0\tx7080\tx8160\tx
9243\tx10323\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.75\tab \up0
\expndtw-1\charscalex100 -0.78\tab \up0 \expndtw-1\charscalex100 50.75\tab \up0
\expndtw-1\charscalex100 44.63\tab \up0 \expndtw-1\charscalex100 1.31\par\pard\q
l \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql
\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\l
i6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6
037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li603
7\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\
sb23\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P

g108}{\bkmkend Pg108}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 First Dawood Investment Bank\tab \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-19
7\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expn
dtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndt
w-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx9
030\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 1,591,618\tab \up0 \expndtw-1\charscalex100 1,778,996\tab \up0 \expndt
w-1\charscalex100 (403,246)\tab \up0 \expndtw-1\charscalex100 688,563\tab \up0 \
expndtw-1\charscalex100 615,906\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\
tx7998\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 495,251\tab \up0 \expndtw-1\charscalex100 569,539\tab \up0 \expndtw-1\
charscalex100 626,493\tab \up0 \expndtw-1\charscalex100 1,342,326\tab \up0 \expn
dtw-1\charscalex100 1,342,326\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\t
x7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 896,450\tab \up0 \expndtw-1\charscalex100 1,024,030\tab \up0 \expndtw-1\char
scalex100 258,210\tab \up0 \expndtw-1\charscalex100 333,745\tab \up0 \expndtw-1\
charscalex100 333,745\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx
8924\tx10110\tx11084 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 199,917\tab \up0 \expndtw-1\charscalex100 185,427\tab \up0 \expndt
w-1\charscalex100 (1,287,949)\tab \up0 \expndtw-1\charscalex100 (987,508)\tab \u
p0 \expndtw-1\charscalex100 (1,060,165)\par\pard\li900\sb106\sl-161\slmult0\fi19
4\tx7278\tx8358\tx9030\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 (115,445)\tab \up0 \expndtw-1\charscalex100 (67,871)\tab \up0 \expndtw-1\cha
rscalex100 (24,762)\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6753\tx7893\tx897
3\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.
Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 10,626,519\tab \up0 \expndtw-1\charscalex100 9,285,199\tab \up0 \exp
ndtw-1\charscalex100 5,655,107\tab \up0 \expndtw-1\charscalex100 2,527,415\tab \
up0 \expndtw-1\charscalex100 1,233,747\par\pard\li900\sb88\sl-161\slmult0\fi194\
tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 8,829,838\tab \up0 \expndtw-1\charscalex100 7,102,703\tab
\up0 \expndtw-1\charscalex100 4,339,578\tab \up0 \expndtw-1\charscalex100 1,309
,872\tab \up0 \expndtw-1\charscalex100 656,529\par\pard\li900\sb106\sl-161\slmul
t0\fi194\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 1,796,681\tab \up0 \expndtw-1\charscalex100
2,182,496\tab \up0 \expndtw-1\charscalex100 1,315,529\tab \up0 \expndtw-1\charsc
alex100 1,217,543\tab \up0 \expndtw-1\charscalex100 577,218\par\pard\li900\sb103
\sl-184\slmult0\fi44\tx6753\tx7833\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,218,137\tab \up0 \expndtw-1\char
scalex100 11,064,195\tab \up0 \expndtw-1\charscalex100 5,136,416\tab \up0 \expnd
tw-1\charscalex100 3,148,107\tab \up0 \expndtw-1\charscalex100 1,824,891\par\par
d\li900\sb88\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,069,105\tab \up0

\expndtw-1\charscalex100 8,667,974\tab \up0 \expndtw-1\charscalex100 3,444,409\t

ab \up0 \expndtw-1\charscalex100 2,291,378\tab \up0 \expndtw-1\charscalex100 1,2
98,387\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7053\tx8058\tx9078\tx10158\tx
11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and ban
ks balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,40
4\tab \up0 \expndtw-1\charscalex100 33,756\tab \up0 \expndtw-1\charscalex100 194
,340\tab \up0 \expndtw-1\charscalex100 146,587\tab \up0 \expndtw-1\charscalex100
114,052\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6753\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other curr
ent assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,05
9,701\tab \up0 \expndtw-1\charscalex100 8,634,218\tab \up0 \expndtw-1\charscalex
100 3,250,069\tab \up0 \expndtw-1\charscalex100 2,144,791\tab \up0 \expndtw-1\ch
arscalex100 1,184,335\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx
8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 2,149,032\tab \up0 \expndtw-1\charscalex100 2,396,221\tab \up0
\expndtw-1\charscalex100 1,692,007\tab \up0 \expndtw-1\charscalex100 856,729\ta
b \up0 \expndtw-1\charscalex100 526,504\par\pard\li900\sb107\sl-161\slmult0\fi35
0\tx6978\tx8058\tx9138\tx10293\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 11,974\tab \up0 \expndtw-1\charscalex100 62,028\tab \up0 \expn
dtw-1\charscalex100 85,681\tab \up0 \expndtw-1\charscalex100 9,432\tab \up0 \exp
ndtw-1\charscalex100 69,471\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6813\tx7
893\tx9078\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 1,415,586\tab \up0 \expndtw-1\charscalex100 1,064,499\tab \up0 \e
xpndtw-1\charscalex100 410,190\tab \up0 \expndtw-1\charscalex100 22,961\tab \up0
\expndtw-1\charscalex100 163,947\par\pard\li900\sb106\sl-161\slmult0\fi350\tx69
18\tx7893\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 721,472\tab \up0 \expndtw-1\charscalex100 1,269,694\tab
\up0 \expndtw-1\charscalex100 1,196,136\tab \up0 \expndtw-1\charscalex100 824,33
6\tab \up0 \expndtw-1\charscalex100 293,086\par\pard\li900\sb103\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss
account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx9078\tx10158\t
x11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross reven
ue\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,235,302\tab
\up0 \expndtw-1\charscalex100 1,468,881\tab \up0 \expndtw-1\charscalex100 235,2
22\tab \up0 \expndtw-1\charscalex100 292,791\tab \up0 \expndtw-1\charscalex100 1
92,259\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Administarti
ve & operating expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 72,881\tab \up0 \expndtw-1\charscalex100 97,377\tab \up0 \expndtw-1\char
scalex100 94,049\tab \up0 \expndtw-1\charscalex100 99,623\tab \up0 \expndtw-1\ch
arscalex100 88,027\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6813\tx7893\tx907
8\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Operating profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1,162,421\tab \up0 \expndtw-1\charscalex100 1,371,504\tab \up0 \expndtw-1\chars
calex100 141,173\tab \up0 \expndtw-1\charscalex100 193,168\tab \up0 \expndtw-1\c
harscalex100 104,232\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx8
973\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Finance cost\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8
40,610\tab \up0 \expndtw-1\charscalex100 980,004\tab \up0 \expndtw-1\charscalex1
00 1,128,269\tab \up0 \expndtw-1\charscalex100 123,891\tab \up0 \expndtw-1\chars
calex100 18,403\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx8058\tx8924\t
x10158\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Pro
fit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 178,477\tab \up0 \expndtw-1\charscalex100 36,112\tab \up0 \expndtw-1\
charscalex100 (1,807,575)\tab \up0 \expndtw-1\charscalex100 234,253\tab \up0 \ex
pndtw-1\charscalex100 12,905\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx

7998\tx8924\tx10158\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f

52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 179,520\tab \up0 \expndtw-1\charscalex100 113,655\tab \up
0 \expndtw-1\charscalex100 (1,791,422)\tab \up0 \expndtw-1\charscalex100 377,676
\tab \up0 \expndtw-1\charscalex100 (44,024)\par\pard\li900\sb103\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\p
ar\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10158\tx11238 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of shares\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49,525\tab \up0 \expndt
w-1\charscalex100 56,954\tab \up0 \expndtw-1\charscalex100 62,649\tab \up0 \expn
dtw-1\charscalex100 134,233\tab \up0 \expndtw-1\charscalex100 134,233\par\pard\l
i900\sb106\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\chars
calex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx6933\tx8013\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.00%\tab \up0 \expndtw-1\chars
calex100 10.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\char
scalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl161\slmult0\fi194\tx6918\tx7950\tx9030\tx10053\tx11238 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 846,221\tab \up0 \
expndtw-1\charscalex100 (256,868)\tab \up0 \expndtw-1\charscalex100 (485,352)\ta
b \up0 \expndtw-1\charscalex100 1,190,133\tab \up0 \expndtw-1\charscalex100 320,
540\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900
\sb88\sl-161\slmult0\fi194\tx6978\tx8118\tx9063\tx10218\tx11295 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.28%\tab \up0 \exp
ndtw-1\charscalex100 0.06%\tab \up0 \expndtw-1\charscalex100 444.25%\tab \up0 \e
xpndtw-1\charscalex100 54.85%\tab \up0 \expndtw-1\charscalex100 -7.15%\par\pard\
li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9000\tx10218\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital employed (
ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 5.27%\tab \up0 \expndtw-1\charscalex100 0.01%\tab \up0 \expndtw-1\charscalex10
0 -226.84%\tab \up0 \expndtw-1\charscalex100 12.74%\tab \up0 \expndtw-1\charscal
ex100 1.10%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9060\tx102
18\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return
on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1.47%\tab \up0 \expndtw-1\charscalex100 0.01%\tab \up0 \expndtw-1\charsca
lex100 -34.88%\tab \up0 \expndtw-1\charscalex100 12.00%\tab \up0 \expndtw-1\char
scalex100 -2.41%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8118\tx9000\
tx10143\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Re
turn on revenue (ROR) (D6/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 14.53%\tab \up0 \expndtw-1\charscalex100 0.08%\tab \up0 \expndtw-1
\charscalex100 -761.59%\tab \up0 \expndtw-1\charscalex100 128.99%\tab \up0 \expn
dtw-1\charscalex100 -22.90%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8
118\tx9135\tx10218\tx11160 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 40.60%\tab \up0 \expndtw-1\charscalex100 0.86%
\tab \up0 \expndtw-1\charscalex100 -5.25%\tab \up0 \expndtw-1\charscalex100 26.3
8%\tab \up0 \expndtw-1\charscalex100 -199.95%\par\pard\li900\sb107\sl-161\slmult
0\fi194\tx7143\tx8223\tx9164\tx10383\tx11400 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 6.Earning per share (D6/E1)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 3.63\tab \up0 \expndtw-1\charscalex100 2.00
\tab \up0 \expndtw-1\charscalex100 -28.59\tab \up0 \expndtw-1\charscalex100 2.81
\tab \up0 \expndtw-1\charscalex100 -0.33\par\pard\li900\sb103\sl-184\slmult0\fi4
4 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios

\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets to c
urrent liabilities (C1/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1.14\tab \up0 \expndtw-1\charscalex100 1.22\tab \up0 \expndtw
-1\charscalex100 0.79\tab \up0 \expndtw-1\charscalex100 1.75\tab \up0 \expndtw-1
\charscalex100 1.98\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx93
03\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Total liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 0.87\tab \up0 \expndtw-1\charscalex100 0.84\tab
\up0 \expndtw-1\charscalex100 1.10\tab \up0 \expndtw-1\charscalex100 0.80\tab \
up0 \expndtw-1\charscalex100 0.68\par\pard\li900\sb107\sl-161\slmult0\fi194\tx69
78\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Long term investment to total assets (C2b/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.59%\tab \up0 \expndtw-1\charscale
x100 0.10%\tab \up0 \expndtw-1\charscalex100 7.99%\tab \up0 \expndtw-1\charscale
x100 0.73%\tab \up0 \expndtw-1\charscalex100 8.98%\par\pard\li900\sb103\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capita
l /leverage ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6978\tx8118\tx9135
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
apital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 13.03%\tab \up0 \expndtw-1\charscalex100 0.16%\tab \up0 \expndtw-1\charscalex
100 -7.85%\tab \up0 \expndtw-1\charscalex100 21.87%\tab \up0 \expndtw-1\charscal
ex100 33.75%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7083\tx8163\tx9240\tx10
383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break
up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 32.14\tab \up0 \expndtw-1\charscalex100 31.24\tab \up0 \expndtw-1\char
scalex100 -6.44\tab \up0 \expndtw-1\charscalex100 5.13\tab \up0 \expndtw-1\chars
calex100 4.59\par\pard\ql \li944\sb89\sl-184\slmult0 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 I.Cash flow ratio \par\pard\li1094\sb101\sl-161
\slmult0\fi0\tx7143\tx8160\tx9303\tx10383\tx11400 \dn2 \expndtw-1\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating activities to prof
it after tax. (E4/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 4.71\tab \up0 \expndtw-1\charscalex100 -2.26\tab \up0 \expndtw-1\c
harscalex100 0.27\tab \up0 \expndtw-1\charscalex100 3.15\tab \up0 \expndtw-1\cha
rscalex100 -7.28\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\
sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl
-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-1
61\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161
\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\s
lmult0 \par\pard\ql\li6037\sb23\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 100
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g109}{\bkmkend Pg109}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 IGI Investment Bank Ltd.\tab \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\sl
mult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\
charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\
tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.To
tal equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1,067,535\tab \up0 \expndtw-1\charscalex100 2,244,315\tab \up0 \expndtw-1\
charscalex100 1,869,229\tab \up0 \expndtw-1\charscalex100 1,383,636\tab \up0 \ex
pndtw-1\charscalex100 1,112,018\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 922,184\tab \up0 \expndtw-1\charscalex100 2,121,025\tab \up0 \expndtw1\charscalex100 2,121,025\tab \up0 \expndtw-1\charscalex100 2,121,025\tab \up0 \
expndtw-1\charscalex100 2,121,025\par\pard\li900\sb107\sl-161\slmult0\fi194\tx69
18\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 152,506\tab \up0 \expndtw-1\charscalex100 136,831\tab \up0 \expndtw-1\ch
arscalex100 136,831\tab \up0 \expndtw-1\charscalex100 115,145\tab \up0 \expndtw1\charscalex100 115,145\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7004\tx8010\
tx9030\tx10110\tx11084 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 (7,155)\tab \up0 \expndtw-1\charscalex100 (13,541)\tab \up0 \exp
ndtw-1\charscalex100 (388,627)\tab \up0 \expndtw-1\charscalex100 (852,534)\tab \
up0 \expndtw-1\charscalex100 (1,124,152)\par\pard\li900\sb106\sl-161\slmult0\fi1
94\tx6930\tx8010\tx9164\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 (17,977)\tab \up0 \expndtw-1\charscalex100 (62,069)\tab \up0 \expnd
tw-1\charscalex100 (1,767)\tab \up0 \expndtw-1\charscalex100 (38,096)\tab \up0 \
expndtw-1\charscalex100 (55,444)\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813
\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 5,599,458\tab \up0 \expndtw-1\charscalex100 7,649,150\t
ab \up0 \expndtw-1\charscalex100 4,681,192\tab \up0 \expndtw-1\charscalex100 7,1
70,566\tab \up0 \expndtw-1\charscalex100 8,258,383\par\pard\li900\sb88\sl-161\sl
mult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \

ul0\nosupersub\cf51\f52\fs14 1.Current liabilities\tab \up0 \expndtw-1\charscale

x100 \ul0\nosupersub\cf56\f57\fs12 3,425,647\tab \up0 \expndtw-1\charscalex100 6
,040,538\tab \up0 \expndtw-1\charscalex100 3,991,601\tab \up0 \expndtw-1\charsca
lex100 6,552,288\tab \up0 \expndtw-1\charscalex100 7,799,232\par\pard\li900\sb10
6\sl-161\slmult0\fi194\tx6813\tx7893\tx9078\tx10158\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,173,811\tab \up0 \expndtw-1\
charscalex100 1,608,612\tab \up0 \expndtw-1\charscalex100 689,591\tab \up0 \expn
dtw-1\charscalex100 618,278\tab \up0 \expndtw-1\charscalex100 459,151\par\pard\l
i900\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,649,016\tab \up0 \expnd
tw-1\charscalex100 9,831,396\tab \up0 \expndtw-1\charscalex100 6,548,654\tab \up
0 \expndtw-1\charscalex100 8,516,106\tab \up0 \expndtw-1\charscalex100 9,314,957
\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a +
b)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,975,682\ta
b \up0 \expndtw-1\charscalex100 6,997,249\tab \up0 \expndtw-1\charscalex100 4,01
8,714\tab \up0 \expndtw-1\charscalex100 6,433,626\tab \up0 \expndtw-1\charscalex
100 7,905,249\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx1
0158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash
and banks balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 269,966\tab \up0 \expndtw-1\charscalex100 849,863\tab \up0 \expndtw-1\charsca
lex100 112,664\tab \up0 \expndtw-1\charscalex100 216,618\tab \up0 \expndtw-1\cha
rscalex100 138,606\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6813\tx7893\tx897
3\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.
Other current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 3,705,716\tab \up0 \expndtw-1\charscalex100 6,147,386\tab \up0 \expndtw-1\c
harscalex100 3,906,050\tab \up0 \expndtw-1\charscalex100 6,217,008\tab \up0 \exp
ndtw-1\charscalex100 7,766,643\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\
tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 2,673,334\tab \up0 \expndtw-1\charscalex100 2,834,147
\tab \up0 \expndtw-1\charscalex100 2,529,940\tab \up0 \expndtw-1\charscalex100 2
,082,480\tab \up0 \expndtw-1\charscalex100 1,409,708\par\pard\li900\sb107\sl-161
\slmult0\fi350\tx6978\tx7998\tx9138\tx10158\tx11238 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 85,573\tab \up0 \expndtw-1\charscalex100 112,052\
tab \up0 \expndtw-1\charscalex100 88,449\tab \up0 \expndtw-1\charscalex100 188,0
30\tab \up0 \expndtw-1\charscalex100 151,764\par\pard\li900\sb107\sl-161\slmult0
\fi350\tx6813\tx7893\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 1,877,310\tab \up0 \expndtw-1\charscalex100 2,31
0,472\tab \up0 \expndtw-1\charscalex100 1,293,943\tab \up0 \expndtw-1\charscalex
100 1,392,615\tab \up0 \expndtw-1\charscalex100 784,610\par\pard\li900\sb106\sl161\slmult0\fi350\tx6918\tx7998\tx8973\tx10158\tx11238 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 710,451\tab \up0 \expndtw-1\charsc
alex100 411,623\tab \up0 \expndtw-1\charscalex100 1,147,548\tab \up0 \expndtw-1\
charscalex100 501,835\tab \up0 \expndtw-1\charscalex100 473,334\par\pard\li900\s
b103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7
998\tx9078\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Gross revenue\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 585,990\tab \up0 \expndtw-1\charscalex100 764,137\tab \up0 \expndtw-1\cha
rscalex100 769,368\tab \up0 \expndtw-1\charscalex100 1,047,236\tab \up0 \expndtw
-1\charscalex100 923,231\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Administartive & operating expenses\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 207,995\tab \up0 \expndtw-1\charscalex100 234,108\tab

\up0 \expndtw-1\charscalex100 208,593\tab \up0 \expndtw-1\charscalex100 423,043\

tab \up0 \expndtw-1\charscalex100 380,537\par\pard\li900\sb107\sl-161\slmult0\fi
194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 3.Operating profit\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 377,995\tab \up0 \expndtw-1\charscalex100 530,029\tab \u
p0 \expndtw-1\charscalex100 560,775\tab \up0 \expndtw-1\charscalex100 624,193\ta
b \up0 \expndtw-1\charscalex100 542,694\par\pard\li900\sb107\sl-161\slmult0\fi19
4\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Finance cost\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 482,873\tab \up0 \expndtw-1\charscalex100 571,086\tab \up0 \ex
pndtw-1\charscalex100 643,352\tab \up0 \expndtw-1\charscalex100 705,419\tab \up0
\expndtw-1\charscalex100 873,001\par\pard\li900\sb106\sl-161\slmult0\fi194\tx69
30\tx8010\tx9030\tx10110\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 5.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 (79,267)\tab \up0 \expndtw-1\charscalex100 (45,637)
\tab \up0 \expndtw-1\charscalex100 (450,654)\tab \up0 \expndtw-1\charscalex100 (
399,790)\tab \up0 \expndtw-1\charscalex100 (208,767)\par\pard\li900\sb107\sl-161
\slmult0\fi194\tx6930\tx8084\tx9078\tx10110\tx11190 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (39,157)\tab \up0 \expndtw-1\char
scalex100 (6,386)\tab \up0 \expndtw-1\charscalex100 375,086\tab \up0 \expndtw-1\
charscalex100 (164,268)\tab \up0 \expndtw-1\charscalex100 (271,618)\par\pard\li9
00\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 E.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx7998\tx
9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.No. of shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
92,218\tab \up0 \expndtw-1\charscalex100 212,102\tab \up0 \expndtw-1\charscalex
100 212,102\tab \up0 \expndtw-1\charscalex100 212,102\tab \up0 \expndtw-1\charsc
alex100 212,102\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\t
x10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cas
h dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%
\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%
\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%
\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bon
us shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7950\tx9078\tx10158\tx11190 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from
operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 111,248\tab \up0 \expndtw-1\charscalex100 (368,225)\tab \up0 \expndtw-1\ch
arscalex100 157,909\tab \up0 \expndtw-1\charscalex100 676,242\tab \up0 \expndtw1\charscalex100 (622,551)\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability
ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6975\tx8055\tx9138\tx10140\tx
11220 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on eq
uity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 -3.67%\tab \up0 \expndtw-1\charscalex100 -0.28%\tab \up0 \expndtw-1\charscalex
100 20.07%\tab \up0 \expndtw-1\charscalex100 -11.87%\tab \up0 \expndtw-1\charsca
lex100 -24.43%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6975\tx8055\tx9060\tx
10140\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Retu
rn on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 -2.46%\tab \up0 \expndtw-1\charscalex100 -1.20%\tab \u
p0 \expndtw-1\charscalex100 -17.62%\tab \up0 \expndtw-1\charscalex100 -20.36%\ta
b \up0 \expndtw-1\charscalex100 -13.77%\par\pard\li900\sb107\sl-161\slmult0\fi19
4\tx6975\tx8055\tx9198\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 -0.59%\tab \up0 \expndtw-1\charscalex100 -0.0
6%\tab \up0 \expndtw-1\charscalex100 5.73%\tab \up0 \expndtw-1\charscalex100 -1.

93%\tab \up0 \expndtw-1\charscalex100 -2.92%\par\pard\li900\sb106\sl-161\slmult0

\fi194\tx6975\tx8055\tx9138\tx10140\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 4.Return on revenue (ROR) (D6/D1)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 -6.68%\tab \up0 \expndtw-1\charscalex1
00 -0.84%\tab \up0 \expndtw-1\charscalex100 48.75%\tab \up0 \expndtw-1\charscale
x100 -15.69%\tab \up0 \expndtw-1\charscalex100 -29.42%\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx6840\tx7815\tx9138\tx10080\tx11160 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -531.18%\tab \up0 \
expndtw-1\charscalex100 -3,665.96%\tab \up0 \expndtw-1\charscalex100 55.61%\tab
\up0 \expndtw-1\charscalex100 -257.53%\tab \up0 \expndtw-1\charscalex100 -140.10
%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7080\tx8160\tx9303\tx10320\tx11400
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Earning per share
(D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.43\t
ab \up0 \expndtw-1\charscalex100 -0.03\tab \up0 \expndtw-1\charscalex100 1.77\ta
b \up0 \expndtw-1\charscalex100 -0.77\tab \up0 \expndtw-1\charscalex100 -1.28\pa
r\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\t
x7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Current assets to current liabilities (C1/B1) (times)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.16\tab \up0 \expndtw-1
\charscalex100 1.16\tab \up0 \expndtw-1\charscalex100 1.01\tab \up0 \expndtw-1\c
harscalex100 0.98\tab \up0 \expndtw-1\charscalex100 1.01\par\pard\li900\sb107\sl
-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (t
imes)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.84\tab \
up0 \expndtw-1\charscalex100 0.78\tab \up0 \expndtw-1\charscalex100 0.71\tab \up
0 \expndtw-1\charscalex100 0.84\tab \up0 \expndtw-1\charscalex100 0.89\par\pard\
li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11358 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to tota
l assets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
28.23%\tab \up0 \expndtw-1\charscalex100 23.50%\tab \up0 \expndtw-1\charscalex1
00 19.76%\tab \up0 \expndtw-1\charscalex100 16.35%\tab \up0 \expndtw-1\charscale
x100 8.42%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb87\s
l-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 16.06%\tab \up0 \expndtw-1\charscalex
100 22.83%\tab \up0 \expndtw-1\charscalex100 28.54%\tab \up0 \expndtw-1\charscal
ex100 16.25%\tab \up0 \expndtw-1\charscalex100 11.94%\par\pard\li900\sb107\sl-16
1\slmult0\fi194\tx7083\tx8163\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per share (A/E1)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.58\tab \up0 \expndtw-1\cha
rscalex100 10.58\tab \up0 \expndtw-1\charscalex100 8.81\tab \up0 \expndtw-1\char
scalex100 6.52\tab \up0 \expndtw-1\charscalex100 5.24\par\pard\ql \li944\sb89\sl
-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash
flow ratio \par\pard\li1094\sb101\sl-161\slmult0\fi0\tx7080\tx8163\tx9303\tx1032
0\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash gen
erated from operating activities to profit after tax. (E4/D6) (times)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -2.84\tab \up0 \expndtw-1\
charscalex100 57.66\tab \up0 \expndtw-1\charscalex100 0.42\tab \up0 \expndtw-1\c
harscalex100 -4.12\tab \up0 \expndtw-1\charscalex100 2.29\par\pard\ql \li6076\sb
0\sl-161\slmult0 \par\pard\ql\li6076\sb0\sl-161\slmult0 \par\pard\ql\li6076\sb0\
sl-161\slmult0 \par\pard\ql\li6076\sb0\sl-161\slmult0 \par\pard\ql\li6076\sb0\sl
-161\slmult0 \par\pard\ql\li6076\sb0\sl-161\slmult0 \par\pard\ql\li6076\sb0\sl-1
61\slmult0 \par\pard\ql\li6076\sb0\sl-161\slmult0 \par\pard\ql\li6076\sb0\sl-161
\slmult0 \par\pard\ql\li6076\sb0\sl-161\slmult0 \par\pard\ql\li6076\sb23\sl-161\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 101
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g110}{\bkmkend Pg110}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Invest Capital Investment Bank Ltd.\tab \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb
1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up
0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0
\expndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6870\tx7
998\tx9078\tx10158\tx11190 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 (257,893)\tab \up0 \expndtw-1\charscalex100 380,238\tab \up0 \e
xpndtw-1\charscalex100 853,716\tab \up0 \expndtw-1\charscalex100 214,273\tab \up
0 \expndtw-1\charscalex100 (371,982)\par\pard\li900\sb88\sl-161\slmult0\fi194\tx
6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 100,000\tab \up0 \expndtw-1\charscalex100 746,424\tab \up0 \expnd
tw-1\charscalex100 2,727,669\tab \up0 \expndtw-1\charscalex100 2,848,669\tab \up
0 \expndtw-1\charscalex100 2,848,669\par\pard\li900\sb107\sl-161\slmult0\fi194\t
x7053\tx7950\tx8924\tx10004\tx11084 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 2,388\tab \up0 \expndtw-1\charscalex100 (347,924)\tab \up0 \expndtw-1
\charscalex100 (2,022,076)\tab \up0 \expndtw-1\charscalex100 (2,022,076)\tab \up

0 \expndtw-1\charscalex100 (2,022,076)\par\pard\li900\sb107\sl-161\slmult0\fi194
\tx6870\tx8010\tx9078\tx10110\tx11084 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 (360,281)\tab \up0 \expndtw-1\charscalex100 (18,2
62)\tab \up0 \expndtw-1\charscalex100 148,123\tab \up0 \expndtw-1\charscalex100
(612,320)\tab \up0 \expndtw-1\charscalex100 (1,198,575)\par\pard\li900\sb106\sl161\slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 214,154\tab \up0 \expndtw-1\charscalex100 190,476\ta
b \up0 \expndtw-1\charscalex100 144,871\tab \up0 \expndtw-1\charscalex100 17,189
\tab \up0 \expndtw-1\charscalex100 20,019\par\pard\li900\sb103\sl-184\slmult0\fi
44\tx6978\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 64,955\tab \up0 \expndtw-1\charscalex100 1,457
,526\tab \up0 \expndtw-1\charscalex100 6,848,396\tab \up0 \expndtw-1\charscalex1
00 4,841,876\tab \up0 \expndtw-1\charscalex100 3,935,945\par\pard\li900\sb88\sl161\slmult0\fi194\tx6978\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 1.Current liabilities\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 64,659\tab \up0 \expndtw-1\charscalex10
0 1,456,235\tab \up0 \expndtw-1\charscalex100 4,779,208\tab \up0 \expndtw-1\char
scalex100 3,896,071\tab \up0 \expndtw-1\charscalex100 3,255,846\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx7143\tx8133\tx8973\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 296\tab \up0 \expndtw-1\cha
rscalex100 1,291\tab \up0 \expndtw-1\charscalex100 2,069,188\tab \up0 \expndtw-1
\charscalex100 945,805\tab \up0 \expndtw-1\charscalex100 680,099\par\pard\li900\
sb103\sl-184\slmult0\fi44\tx6978\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21,216\tab \up0 \expndtw-1\cha
rscalex100 2,028,240\tab \up0 \expndtw-1\charscalex100 7,846,983\tab \up0 \expnd
tw-1\charscalex100 5,073,338\tab \up0 \expndtw-1\charscalex100 3,583,982\par\par
d\li900\sb88\sl-161\slmult0\fi194\tx6978\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,956\tab \up0 \exp
ndtw-1\charscalex100 1,646,427\tab \up0 \expndtw-1\charscalex100 5,073,978\tab \
up0 \expndtw-1\charscalex100 3,686,464\tab \up0 \expndtw-1\charscalex100 2,728,0
22\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7143\tx8058\tx9078\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks b
alances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 409\tab
\up0 \expndtw-1\charscalex100 59,435\tab \up0 \expndtw-1\charscalex100 248,332\t
ab \up0 \expndtw-1\charscalex100 75,318\tab \up0 \expndtw-1\charscalex100 15,341
\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6978\tx7893\tx8973\tx10053\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current asse
ts\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,547\tab \u
p0 \expndtw-1\charscalex100 1,586,992\tab \up0 \expndtw-1\charscalex100 4,825,64
6\tab \up0 \expndtw-1\charscalex100 3,611,146\tab \up0 \expndtw-1\charscalex100
2,712,681\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx7998\tx8973\tx10053
\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-curre
nt assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 5,260\tab \up0 \expndtw-1\charscalex100 381,813\tab \up0 \expndtw-1\charsc
alex100 2,773,005\tab \up0 \expndtw-1\charscalex100 1,386,874\tab \up0 \expndtw1\charscalex100 855,960\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx7998\
tx9078\tx10158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,109\tab \up0 \expndtw-1\charscalex100 159,020\tab \up0 \expndtw-1\charscalex
100 946,976\tab \up0 \expndtw-1\charscalex100 463,409\tab \up0 \expndtw-1\charsc
alex100 310,817\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx7998\tx9078\t
x10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Lon
g-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4,051\tab \up0 \expndtw-1\charscalex100 189,738\tab \up0 \expndtw-1\charscale

x100 175,439\tab \up0 \expndtw-1\charscalex100 128,543\tab \up0 \expndtw-1\chars

calex100 112,882\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7143\tx8058\tx8973\
tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Ot
her non-current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 100\tab \up0 \expndtw-1\charscalex100 33,055\tab \up0 \expndtw-1\charscal
ex100 1,650,590\tab \up0 \expndtw-1\charscalex100 794,922\tab \up0 \expndtw-1\ch
arscalex100 432,261\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\
sb88\sl-161\slmult0\fi194\tx7053\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 3,790\tab \up0 \expndtw-1\charscalex1
00 298,511\tab \up0 \expndtw-1\charscalex100 126,349\tab \up0 \expndtw-1\charsca
lex100 636,391\tab \up0 \expndtw-1\charscalex100 207,610\par\pard\li900\sb106\sl
-161\slmult0\fi194\tx6978\tx7998\tx9030\tx10158\tx11238 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Administartive & operating expenses\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,398\tab \up0 \expnd
tw-1\charscalex100 211,663\tab \up0 \expndtw-1\charscalex100 (239,922)\tab \up0
\expndtw-1\charscalex100 612,798\tab \up0 \expndtw-1\charscalex100 228,676\par\p
ard\li900\sb107\sl-161\slmult0\fi194\tx7004\tx8058\tx9078\tx10218\tx11250 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (7,608)\tab \up0 \expnd
tw-1\charscalex100 86,848\tab \up0 \expndtw-1\charscalex100 366,271\tab \up0 \ex
pndtw-1\charscalex100 23,593\tab \up0 \expndtw-1\charscalex100 (21,066)\par\pard
\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8058\tx9090\tx10158\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Finance cost\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,265\tab \up0 \expndtw-1\char
scalex100 88,794\tab \up0 \expndtw-1\charscalex100 (60,849)\tab \up0 \expndtw-1\
charscalex100 561,067\tab \up0 \expndtw-1\charscalex100 325,595\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx6930\tx8084\tx9078\tx10110\tx11190 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) before taxation\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (34,004)\tab \up0 \ex
pndtw-1\charscalex100 (4,521)\tab \up0 \expndtw-1\charscalex100 175,970\tab \up0
\expndtw-1\charscalex100 (717,297)\tab \up0 \expndtw-1\charscalex100 (438,434)\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6930\tx8010\tx9078\tx10110\tx11190 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss) after
taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (34,02
2)\tab \up0 \expndtw-1\charscalex100 (19,468)\tab \up0 \expndtw-1\charscalex100
165,350\tab \up0 \expndtw-1\charscalex100 (761,121)\tab \up0 \expndtw-1\charscal
ex100 (439,145)\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.No. of shares\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 10,000\tab \up0 \expndtw-1\charscalex100 74,642\tab
\up0 \expndtw-1\charscalex100 272,767\tab \up0 \expndtw-1\charscalex100 284,867
\tab \up0 \expndtw-1\charscalex100 284,867\par\pard\li900\sb106\sl-161\slmult0\f
i194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8
088\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7004\tx79
50\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 (7,895)\tab \up0 \expndtw-1\charscalex100 (380,
013)\tab \up0 \expndtw-1\charscalex100 374,906\tab \up0 \expndtw-1\charscalex100
554,605\tab \up0 \expndtw-1\charscalex100 162,678\par\pard\li900\sb102\sl-184\s

lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Effici

ency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978
\tx8055\tx9138\tx10080\tx11223 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 13.19%\tab \up0 \expndtw-1\charscalex100 -0.05%\tab \
up0 \expndtw-1\charscalex100 19.37%\tab \up0 \expndtw-1\charscalex100 -355.21%\t
ab \up0 \expndtw-1\charscalex100 118.06%\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx6978\tx8055\tx9198\tx10140\tx11160 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78.27%\tab \up0 \expndtw-1\c
harscalex100 -0.01%\tab \up0 \expndtw-1\charscalex100 5.74%\tab \up0 \expndtw-1\
charscalex100 -60.93%\tab \up0 \expndtw-1\charscalex100 -133.61%\par\pard\li900\
sb107\sl-161\slmult0\fi194\tx6840\tx8055\tx9198\tx10140\tx11220 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -160.36%\tab \up0 \e
xpndtw-1\charscalex100 -0.01%\tab \up0 \expndtw-1\charscalex100 2.11%\tab \up0 \
expndtw-1\charscalex100 -15.00%\tab \up0 \expndtw-1\charscalex100 -12.25%\par\pa
rd\li900\sb106\sl-161\slmult0\fi194\tx6840\tx8055\tx9063\tx10080\tx11160 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (ROR) (
D6/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -897.68%\
tab \up0 \expndtw-1\charscalex100 -0.07%\tab \up0 \expndtw-1\charscalex100 130.8
7%\tab \up0 \expndtw-1\charscalex100 -119.60%\tab \up0 \expndtw-1\charscalex100
-211.52%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6900\tx7980\tx9000\tx10140\
tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating
expenses to net income (D2/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 -33.50%\tab \up0 \expndtw-1\charscalex100 -10.87%\tab \up0 \expnd
tw-1\charscalex100 -145.10%\tab \up0 \expndtw-1\charscalex100 -80.51%\tab \up0 \
expndtw-1\charscalex100 -52.07%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7080
\tx8160\tx9303\tx10320\tx11400 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 6.Earning per share (D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 -3.40\tab \up0 \expndtw-1\charscalex100 -0.26\tab \up0 \e
xpndtw-1\charscalex100 0.61\tab \up0 \expndtw-1\charscalex100 -2.67\tab \up0 \ex
pndtw-1\charscalex100 -1.54\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity ratios\par\pard\li9
00\sb87\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets to current liabil
ities (C1/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.25\tab \up0 \expndtw-1\charscalex100 1.13\tab \up0 \expndtw-1\charscalex
100 1.06\tab \up0 \expndtw-1\charscalex100 0.95\tab \up0 \expndtw-1\charscalex10
0 0.84\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabil
ities to total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 3.06\tab \up0 \expndtw-1\charscalex100 0.72\tab \up0 \expndt
w-1\charscalex100 0.87\tab \up0 \expndtw-1\charscalex100 0.95\tab \up0 \expndtw1\charscalex100 1.10\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8118\tx9
198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Long term investment to total assets (C2b/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 19.09%\tab \up0 \expndtw-1\charscalex100 0.09%\ta
b \up0 \expndtw-1\charscalex100 2.24%\tab \up0 \expndtw-1\charscalex100 2.53%\ta
b \up0 \expndtw-1\charscalex100 3.15%\par\pard\li900\sb103\sl-184\slmult0\fi44 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage r
atios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6735\tx8118\tx9138\tx10278\tx11
220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio
(A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -1,215.56%
\tab \up0 \expndtw-1\charscalex100 0.19%\tab \up0 \expndtw-1\charscalex100 10.88
%\tab \up0 \expndtw-1\charscalex100 4.22%\tab \up0 \expndtw-1\charscalex100 -10.
38%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7004\tx8223\tx9303\tx10383\tx114
00 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value
per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
-25.79\tab \up0 \expndtw-1\charscalex100 5.09\tab \up0 \expndtw-1\charscalex100

3.13\tab \up0 \expndtw-1\charscalex100 0.75\tab \up0 \expndtw-1\charscalex100 1.31\par\pard\ql \li944\sb89\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf53\f54\fs16 I.Cash flow ratio \par\pard\li1094\sb101\sl-161\slmult0\
fi0\tx7143\tx8163\tx9303\tx10320\tx11400 \dn2 \expndtw-1\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Cash generated from operating activities to profit after
tax. (E4/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.23\tab \up0 \expndtw-1\charscalex100 19.52\tab \up0 \expndtw-1\charscalex
100 2.27\tab \up0 \expndtw-1\charscalex100 -0.73\tab \up0 \expndtw-1\charscalex1
00 -0.37\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\s
lmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slm
ult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmul
t0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0
\par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \
par\pard\ql\li6037\sb23\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 102
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l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Security Investment Bank Ltd.\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-1
97\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\no

supersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \exp

ndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expnd
tw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx
9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 654,086\tab \up0 \expndtw-1\charscalex100 680,706\tab \up0 \expndtw-1
\charscalex100 488,012\tab \up0 \expndtw-1\charscalex100 511,929\tab \up0 \expnd
tw-1\charscalex100 518,022\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 428,613\tab \up0 \expndtw-1\charscalex100 514,336\tab \up0 \expndtw-1\chars
calex100 514,336\tab \up0 \expndtw-1\charscalex100 514,336\tab \up0 \expndtw-1\c
harscalex100 514,336\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9
078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 134,3
26\tab \up0 \expndtw-1\charscalex100 139,650\tab \up0 \expndtw-1\charscalex100 1
39,650\tab \up0 \expndtw-1\charscalex100 141,611\tab \up0 \expndtw-1\charscalex1
00 142,123\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx1011
0\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unapprop
riated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 91,147\tab \up0 \expndtw-1\charscalex100 26,720\tab \up0 \expndtw-1\charscale
x100 (165,974)\tab \up0 \expndtw-1\charscalex100 (144,018)\tab \up0 \expndtw-1\c
harscalex100 (138,437)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6930\tx7950\t
x9090\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (61,4
47)\tab \up0 \expndtw-1\charscalex100 (376,279)\tab \up0 \expndtw-1\charscalex10
0 (37,333)\tab \up0 \expndtw-1\charscalex100 (45,313)\tab \up0 \expndtw-1\charsc
alex100 (47,431)\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7998\tx9078\t
x10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Tot
al liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,209,426\tab \up0 \expndtw-1\charscalex100 627,119\tab \up0 \expndtw-1
\charscalex100 508,819\tab \up0 \expndtw-1\charscalex100 296,883\tab \up0 \expnd
tw-1\charscalex100 397,627\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 2,204,250\tab \up0 \expndtw-1\charscalex100 620,833\tab \up0 \expndtw
-1\charscalex100 500,880\tab \up0 \expndtw-1\charscalex100 296,883\tab \up0 \exp
ndtw-1\charscalex100 397,627\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx
8133\tx9213\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 5,176\tab \up0 \expndtw-1\charscalex100 6,286\tab \up0 \expndt
w-1\charscalex100 7,939\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\
charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7997\tx9077\tx
10157\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Tota
l assets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
2,802,065\tab \up0 \expndtw-1\charscalex100 931,546\tab \up0 \expndtw-1\charsca
lex100 959,498\tab \up0 \expndtw-1\charscalex100 763,499\tab \up0 \expndtw-1\cha
rscalex100 868,218\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7997\tx9077
\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
urrent assets (a + b)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 2,596,093\tab \up0 \expndtw-1\charscalex100 699,235\tab \up0 \expndtw-1\ch
arscalex100 738,195\tab \up0 \expndtw-1\charscalex100 632,472\tab \up0 \expndtw1\charscalex100 743,372\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6917\tx8057\
tx9137\tx10293\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 a.Cash and banks balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 102,460\tab \up0 \expndtw-1\charscalex100 26,255\tab \up0 \expndtw1\charscalex100 28,117\tab \up0 \expndtw-1\charscalex100 7,664\tab \up0 \expndtw
-1\charscalex100 14,180\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6813\tx7997\
tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 b.Other current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56

\f57\fs12 2,493,633\tab \up0 \expndtw-1\charscalex100 672,980\tab \up0 \expndtw1\charscalex100 710,078\tab \up0 \expndtw-1\charscalex100 624,808\tab \up0 \expn
dtw-1\charscalex100 729,192\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6917\tx7
997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 205,972\tab \up0 \expndtw-1\charscalex100 232,311\tab \u
p0 \expndtw-1\charscalex100 221,303\tab \up0 \expndtw-1\charscalex100 131,027\ta
b \up0 \expndtw-1\charscalex100 124,846\par\pard\li900\sb107\sl-161\slmult0\fi35
0\tx7053\tx8133\tx9213\tx10293\tx11373 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 5,747\tab \up0 \expndtw-1\charscalex100 4,919\tab \up0 \expndt
w-1\charscalex100 3,630\tab \up0 \expndtw-1\charscalex100 1,813\tab \up0 \expndt
w-1\charscalex100 1,749\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6917\tx7997\
tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 151,299\tab \up0 \expndtw-1\charscalex100 151,220\tab \up0 \expndtw-1
\charscalex100 151,141\tab \up0 \expndtw-1\charscalex100 51,062\tab \up0 \expndt
w-1\charscalex100 50,983\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6977\tx8057
\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 48,926\tab \up0 \expndtw-1\charscalex100 76,172\tab \up0 \expndtw
-1\charscalex100 66,532\tab \up0 \expndtw-1\charscalex100 78,152\tab \up0 \expnd
tw-1\charscalex100 72,114\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\
li900\sb88\sl-161\slmult0\fi194\tx6917\tx7997\tx9137\tx10217\tx11297 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 315,726\tab \up0 \expndtw-1\cha
rscalex100 192,045\tab \up0 \expndtw-1\charscalex100 64,289\tab \up0 \expndtw-1\
charscalex100 88,186\tab \up0 \expndtw-1\charscalex100 68,048\par\pard\li900\sb1
06\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Administartive & operating expenses\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 33,376\tab \up0 \
expndtw-1\charscalex100 31,435\tab \up0 \expndtw-1\charscalex100 27,399\tab \up0
\expndtw-1\charscalex100 33,842\tab \up0 \expndtw-1\charscalex100 32,112\par\pa
rd\li900\sb107\sl-161\slmult0\fi194\tx6917\tx7997\tx9137\tx10217\tx11297 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 282,350\tab \up0 \expndt
w-1\charscalex100 160,610\tab \up0 \expndtw-1\charscalex100 36,890\tab \up0 \exp
ndtw-1\charscalex100 54,344\tab \up0 \expndtw-1\charscalex100 35,936\par\pard\li
900\sb107\sl-161\slmult0\fi194\tx7277\tx8357\tx9437\tx10217\tx11297 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Finance cost\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex1
00 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 45,63
7\tab \up0 \expndtw-1\charscalex100 29,409\par\pard\li900\sb106\sl-161\slmult0\f
i194\tx6977\tx8057\tx9030\tx10293\tx11373 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 5.Profit/(loss) before taxation\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 97,778\tab \up0 \expndtw-1\charscalex100 2
6,828\tab \up0 \expndtw-1\charscalex100 (202,728)\tab \up0 \expndtw-1\charscalex
100 8,708\tab \up0 \expndtw-1\charscalex100 6,526\par\pard\li900\sb107\sl-161\sl
mult0\fi194\tx6977\tx8057\tx9030\tx10217\tx11373 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 89,244\tab \up0 \expndtw-1\charscale
x100 26,619\tab \up0 \expndtw-1\charscalex100 (192,693)\tab \up0 \expndtw-1\char
scalex100 13,204\tab \up0 \expndtw-1\charscalex100 6,093\par\pard\li900\sb103\sl
-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.
Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx1021
7\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of s
hares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42,861\tab
\up0 \expndtw-1\charscalex100 51,434\tab \up0 \expndtw-1\charscalex100 51,434\t
ab \up0 \expndtw-1\charscalex100 51,434\tab \up0 \expndtw-1\charscalex100 51,434

\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900
\sb107\sl-161\slmult0\fi194\tx6933\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900
\sb107\sl-161\slmult0\fi194\tx6870\tx8010\tx9090\tx10110\tx11250 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating act
ivities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (156,345
)\tab \up0 \expndtw-1\charscalex100 (27,543)\tab \up0 \expndtw-1\charscalex100 (
31,171)\tab \up0 \expndtw-1\charscalex100 (168,174)\tab \up0 \expndtw-1\charscal
ex100 (41,234)\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par
\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8117\tx9059\tx10277\tx11357 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE)
(D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.64%\ta
b \up0 \expndtw-1\charscalex100 0.04%\tab \up0 \expndtw-1\charscalex100 -39.49%\
tab \up0 \expndtw-1\charscalex100 2.58%\tab \up0 \expndtw-1\charscalex100 1.18%\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8117\tx9059\tx10277\tx11357 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital e
mployed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 16.36%\tab \up0 \expndtw-1\charscalex100 0.09%\tab \up0 \expndtw-1\ch
arscalex100 -44.20%\tab \up0 \expndtw-1\charscalex100 1.87%\tab \up0 \expndtw-1\
charscalex100 1.39%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7037\tx8117\tx90
59\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 3.19%\tab \up0 \expndtw-1\charscalex100 0.03%\tab \up0 \expndtw-1
\charscalex100 -20.08%\tab \up0 \expndtw-1\charscalex100 1.73%\tab \up0 \expndtw
-1\charscalex100 0.70%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6977\tx8117\t
x8999\tx10217\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Return on revenue (ROR) (D6/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 28.27%\tab \up0 \expndtw-1\charscalex100 0.14%\tab \up0 \exp
ndtw-1\charscalex100 -299.73%\tab \up0 \expndtw-1\charscalex100 14.97%\tab \up0
\expndtw-1\charscalex100 8.95%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\
tx8117\tx9059\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 37.40%\tab \up0 \expndtw-1\charscalex100 1.
18%\tab \up0 \expndtw-1\charscalex100 -14.22%\tab \up0 \expndtw-1\charscalex100
256.30%\tab \up0 \expndtw-1\charscalex100 527.03%\par\pard\li900\sb107\sl-161\sl
mult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11463 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 6.Earning per share (D6/E1)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 2.08\tab \up0 \expndtw-1\charscalex100
0.52\tab \up0 \expndtw-1\charscalex100 -3.75\tab \up0 \expndtw-1\charscalex100 0
.26\tab \up0 \expndtw-1\charscalex100 0.12\par\pard\li900\sb103\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity rati
os\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets to
current liabilities (C1/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 1.18\tab \up0 \expndtw-1\charscalex100 1.13\tab \up0 \expnd
tw-1\charscalex100 1.47\tab \up0 \expndtw-1\charscalex100 2.13\tab \up0 \expndtw
-1\charscalex100 1.87\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx
9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Total liabilities to total assets (B/C) (times)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 0.79\tab \up0 \expndtw-1\charscalex100 0.67\t
ab \up0 \expndtw-1\charscalex100 0.53\tab \up0 \expndtw-1\charscalex100 0.39\tab
\up0 \expndtw-1\charscalex100 0.46\par\pard\li900\sb107\sl-161\slmult0\fi194\tx

7037\tx8117\tx9137\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub

\cf51\f52\fs14 3.Long term investment to total assets (C2b/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.40%\tab \up0 \expndtw-1\charscal
ex100 0.16%\tab \up0 \expndtw-1\charscalex100 15.75%\tab \up0 \expndtw-1\charsca
lex100 6.69%\tab \up0 \expndtw-1\charscalex100 5.87%\par\pard\li900\sb103\sl-184
\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capi
tal /leverage ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6977\tx8117\tx91
37\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 23.34%\tab \up0 \expndtw-1\charscalex100 0.73%\tab \up0 \expndtw-1\charscal
ex100 50.86%\tab \up0 \expndtw-1\charscalex100 67.05%\tab \up0 \expndtw-1\charsc
alex100 59.66%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7083\tx8163\tx9303\tx
10383\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Brea
k up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 15.26\tab \up0 \expndtw-1\charscalex100 13.24\tab \up0 \expndtw-1\ch
arscalex100 9.49\tab \up0 \expndtw-1\charscalex100 9.95\tab \up0 \expndtw-1\char
scalex100 10.07\par\pard\ql \li944\sb89\sl-184\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 I.Cash flow ratio \par\pard\li1094\sb101\sl-1
61\slmult0\fi0\tx7079\tx8159\tx9303\tx10244\tx11399 \dn2 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating activities to pr
ofit after tax. (E4/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 -1.75\tab \up0 \expndtw-1\charscalex100 -1.04\tab \up0 \expndtw1\charscalex100 0.16\tab \up0 \expndtw-1\charscalex100 -12.74\tab \up0 \expndtw1\charscalex100 -6.77\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037
\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\s
b0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0
\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\s
l-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl161\slmult0 \par\pard\ql\li6037\sb23\sl-161\slmult0 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 103
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ex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\
slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndt
w-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx907
8\tx10170\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.
Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 1,016,064\tab \up0 \expndtw-1\charscalex100 1,095,609\tab \up0 \expndtw1\charscalex100 380,731\tab \up0 \expndtw-1\charscalex100 (24,562)\tab \up0 \exp
ndtw-1\charscalex100 100,153\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7
998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Share capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 468,423\tab \up0 \expndtw-1\charscalex100 585,529\tab \up0 \expndtw-1\cha
rscalex100 585,529\tab \up0 \expndtw-1\charscalex100 892,029\tab \up0 \expndtw-1
\charscalex100 892,029\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\t
x9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 308
,517\tab \up0 \expndtw-1\charscalex100 267,758\tab \up0 \expndtw-1\charscalex100
267,759\tab \up0 \expndtw-1\charscalex100 267,758\tab \up0 \expndtw-1\charscale
x100 301,031\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9030\tx10
004\tx11084 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappr
opriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 239,124\tab \up0 \expndtw-1\charscalex100 242,322\tab \up0 \expndtw-1\chars
calex100 (472,557)\tab \up0 \expndtw-1\charscalex100 (1,184,349)\tab \up0 \expnd
tw-1\charscalex100 (1,092,907)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\
tx7950\tx9030\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 6,594\tab \up0 \expndtw-1\charscalex100 (270,341)\tab \up0 \expndtw-1\charsca
lex100 (220,625)\tab \up0 \expndtw-1\charscalex100 72,656\tab \up0 \expndtw-1\ch
arscalex100 27,676\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.T
otal liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 5,421,020\tab \up0 \expndtw-1\charscalex100 7,106,813\tab \up0 \expnd
tw-1\charscalex100 6,315,225\tab \up0 \expndtw-1\charscalex100 5,858,092\tab \up
0 \expndtw-1\charscalex100 5,252,807\par\pard\li900\sb88\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2,784,226\tab \up0 \expndtw-1\charscalex100 4,776,224\tab \
up0 \expndtw-1\charscalex100 4,243,904\tab \up0 \expndtw-1\charscalex100 4,047,6
42\tab \up0 \expndtw-1\charscalex100 3,595,194\par\pard\li900\sb106\sl-161\slmul
t0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 2,636,794\tab \up0 \expndtw-1\charscalex100
2,330,589\tab \up0 \expndtw-1\charscalex100 2,071,321\tab \up0 \expndtw-1\charsc
alex100 1,810,450\tab \up0 \expndtw-1\charscalex100 1,657,613\par\pard\li900\sb1
03\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw

-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,443,678\tab \up0 \expndtw-1\cha

rscalex100 7,932,081\tab \up0 \expndtw-1\charscalex100 6,475,331\tab \up0 \expnd
tw-1\charscalex100 5,906,186\tab \up0 \expndtw-1\charscalex100 5,380,636\par\par
d\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,201,624\tab \up0 \
expndtw-1\charscalex100 3,510,993\tab \up0 \expndtw-1\charscalex100 4,277,208\ta
b \up0 \expndtw-1\charscalex100 3,803,392\tab \up0 \expndtw-1\charscalex100 3,80
4,192\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx8058\tx9078\tx10158\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and bank
s balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 200,9
47\tab \up0 \expndtw-1\charscalex100 93,289\tab \up0 \expndtw-1\charscalex100 15
8,792\tab \up0 \expndtw-1\charscalex100 143,195\tab \up0 \expndtw-1\charscalex10
0 29,108\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\
tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other curr
ent assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,000
,677\tab \up0 \expndtw-1\charscalex100 3,417,704\tab \up0 \expndtw-1\charscalex1
00 4,118,416\tab \up0 \expndtw-1\charscalex100 3,660,197\tab \up0 \expndtw-1\cha
rscalex100 3,775,084\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3,242,054\tab \up0 \expndtw-1\charscalex100 4,421,088\tab \up0
\expndtw-1\charscalex100 2,198,123\tab \up0 \expndtw-1\charscalex100 2,102,794\t
ab \up0 \expndtw-1\charscalex100 1,576,444\par\pard\li900\sb107\sl-161\slmult0\f
i350\tx6918\tx7998\tx9078\tx10158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 108,061\tab \up0 \expndtw-1\charscalex100 157,284\tab \up0
\expndtw-1\charscalex100 110,710\tab \up0 \expndtw-1\charscalex100 331,607\tab \
up0 \expndtw-1\charscalex100 232,207\par\pard\li900\sb107\sl-161\slmult0\fi350\t
x6813\tx7893\tx9078\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 3,018,135\tab \up0 \expndtw-1\charscalex100 3,420,843\ta
b \up0 \expndtw-1\charscalex100 162,976\tab \up0 \expndtw-1\charscalex100 59,662
\tab \up0 \expndtw-1\charscalex100 64,336\par\pard\li900\sb106\sl-161\slmult0\fi
350\tx6918\tx7998\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 115,858\tab \up0 \expndtw-1\charscalex100 842,96
1\tab \up0 \expndtw-1\charscalex100 1,924,437\tab \up0 \expndtw-1\charscalex100
1,711,525\tab \up0 \expndtw-1\charscalex100 1,279,901\par\pard\li900\sb103\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Pro
fit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078
\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.G
ross revenue\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 732
,403\tab \up0 \expndtw-1\charscalex100 949,051\tab \up0 \expndtw-1\charscalex100
694,857\tab \up0 \expndtw-1\charscalex100 451,182\tab \up0 \expndtw-1\charscale
x100 618,729\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Admini
startive & operating expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 165,415\tab \up0 \expndtw-1\charscalex100 193,656\tab \up0 \expndt
w-1\charscalex100 173,142\tab \up0 \expndtw-1\charscalex100 183,700\tab \up0 \ex
pndtw-1\charscalex100 150,199\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\t
x7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Operating profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 566,988\tab \up0 \expndtw-1\charscalex100 755,395\tab \up0 \expndtw1\charscalex100 521,715\tab \up0 \expndtw-1\charscalex100 267,482\tab \up0 \expn
dtw-1\charscalex100 468,530\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7
998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Finance cost\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 428,762\tab \up0 \expndtw-1\charscalex100 538,473\tab \up0 \expndtw-1\char
scalex100 875,119\tab \up0 \expndtw-1\charscalex100 685,568\tab \up0 \expndtw-1\

charscalex100 587,196\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx8058\tx
9030\tx10110\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
5.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 115,547\tab \up0 \expndtw-1\charscalex100 66,124\tab \up0 \expn
dtw-1\charscalex100 (976,389)\tab \up0 \expndtw-1\charscalex100 (904,575)\tab \u
p0 \expndtw-1\charscalex100 183,337\par\pard\li900\sb107\sl-161\slmult0\fi194\tx
6918\tx7998\tx9030\tx10110\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 103,047\tab \up0 \expndtw-1\charscalex100 149,783\
tab \up0 \expndtw-1\charscalex100 (715,226)\tab \up0 \expndtw-1\charscalex100 (7
01,808)\tab \up0 \expndtw-1\charscalex100 166,363\par\pard\li900\sb103\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other i
tems\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of shares\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46,842\tab \up0 \
expndtw-1\charscalex100 58,553\tab \up0 \expndtw-1\charscalex100 58,553\tab \up0
\expndtw-1\charscalex100 89,203\tab \up0 \expndtw-1\charscalex100 89,203\par\pa
rd\li900\sb106\sl-161\slmult0\fi194\tx6933\tx8088\tx9168\tx10248\tx11328 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107
\sl-161\slmult0\fi194\tx6933\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107
\sl-161\slmult0\fi194\tx6918\tx7844\tx9078\tx10158\tx11190 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activitie
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 943,352\tab \u
p0 \expndtw-1\charscalex100 (1,211,474)\tab \up0 \expndtw-1\charscalex100 660,42
6\tab \up0 \expndtw-1\charscalex100 312,103\tab \up0 \expndtw-1\charscalex100 (4
88,172)\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\l
i900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9000\tx10053\tx11223 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.14%\tab \up0
\expndtw-1\charscalex100 13.67%\tab \up0 \expndtw-1\charscalex100 -187.86%\tab \
up0 \expndtw-1\charscalex100 2,857.29%\tab \up0 \expndtw-1\charscalex100 166.11%
\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9060\tx10140\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital
employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 3.16%\tab \up0 \expndtw-1\charscalex100 2.10%\tab \up0 \expndtw-1\ch
arscalex100 -43.76%\tab \up0 \expndtw-1\charscalex100 -48.67%\tab \up0 \expndtw1\charscalex100 10.27%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\t
x9060\tx10140\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 1.60%\tab \up0 \expndtw-1\charscalex100 1.89%\tab \up0 \expndt
w-1\charscalex100 -11.05%\tab \up0 \expndtw-1\charscalex100 -11.88%\tab \up0 \ex
pndtw-1\charscalex100 3.09%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8
058\tx9000\tx10080\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 4.Return on revenue (ROR) (D6/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 14.07%\tab \up0 \expndtw-1\charscalex100 15.78%\tab \up
0 \expndtw-1\charscalex100 -102.93%\tab \up0 \expndtw-1\charscalex100 -155.55%\t
ab \up0 \expndtw-1\charscalex100 26.89%\par\pard\li900\sb107\sl-161\slmult0\fi19
4\tx6903\tx7983\tx9060\tx10140\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 160.52%\tab \up0 \expndtw-1\charsc
alex100 129.29%\tab \up0 \expndtw-1\charscalex100 -24.21%\tab \up0 \expndtw-1\ch
arscalex100 -26.18%\tab \up0 \expndtw-1\charscalex100 90.28%\par\pard\li900\sb10

7\sl-161\slmult0\fi194\tx7143\tx8223\tx9164\tx10320\tx11463 \up0 \expndtw-2\char

scalex100 \ul0\nosupersub\cf51\f52\fs14 6.Earning per share (D6/E1)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.20\tab \up0 \expndtw-1\cha
rscalex100 2.56\tab \up0 \expndtw-1\charscalex100 -12.22\tab \up0 \expndtw-1\cha
rscalex100 -7.87\tab \up0 \expndtw-1\charscalex100 1.86\par\pard\li900\sb103\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.L
iquidity ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Curr
ent assets to current liabilities (C1/B1) (times)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1.15\tab \up0 \expndtw-1\charscalex100 0.74\ta
b \up0 \expndtw-1\charscalex100 1.01\tab \up0 \expndtw-1\charscalex100 0.94\tab
\up0 \expndtw-1\charscalex100 1.06\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7
143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.84\tab \up0 \expndtw-1\charsca
lex100 0.90\tab \up0 \expndtw-1\charscalex100 0.98\tab \up0 \expndtw-1\charscale
x100 0.99\tab \up0 \expndtw-1\charscalex100 0.98\par\pard\li900\sb107\sl-161\slm
ult0\fi194\tx6978\tx8058\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 3.Long term investment to total assets (C2b/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 46.84%\tab \up0 \expn
dtw-1\charscalex100 43.13%\tab \up0 \expndtw-1\charscalex100 2.52%\tab \up0 \exp
ndtw-1\charscalex100 1.01%\tab \up0 \expndtw-1\charscalex100 1.20%\par\pard\li90
0\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 H.Capital /leverage ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx69
78\tx8058\tx9198\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 15.77%\tab \up0 \expndtw-1\charscalex100 13.81%\tab \up0 \exp
ndtw-1\charscalex100 5.88%\tab \up0 \expndtw-1\charscalex100 -0.42%\tab \up0 \ex
pndtw-1\charscalex100 1.86%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7083\tx8
163\tx9303\tx10320\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Break up value per share (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 21.69\tab \up0 \expndtw-1\charscalex100 18.71\tab \up0
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ea9ff0cedfb3f7fd10bf839ff86c7c13ff00ca4af55d334cd3745d3acb48d1f4fb1d2749d32d60b1
d374bd32d2dec34ed3ecada3586dacecacad638adad2d6de2458a0b78228e28a35548d15400002f5
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14514005145140051451400514514005145140051451401fffd9}}}}}\pard\sb0\sl-240{\bkmks
tart Pg113}{\bkmkend Pg113}\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\s
b0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184
\slmult0\fi0\tx10125 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 F
inancial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\ql \li1728\sb0\sl-368\slmult0 \par\p
ard\ql\li1728\sb213\sl-368\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\
cf22\f23\fs32 M\ul0\nosupersub\cf23\f24\fs26 UTUAL \ul0\nosupersub\cf22\f23\fs32
F\ul0\nosupersub\cf23\f24\fs26 UNDS \ul0\nosupersub\cf22\f23\fs32 (C\ul0\nosupe
rsub\cf23\f24\fs26 LOSE \ul0\nosupersub\cf22\f23\fs32 E\ul0\nosupersub\cf23\f24\
fs26 NDED\ul0\nosupersub\cf22\f23\fs32 ) \par\pard\ql \li1728\sb0\sl-218\slmult0
\par\pard\ql\li1728\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb20\sl-218\slmult0
\up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 P\ul0\nosupersub\cf42
\f43\fs19 ERFORMANCE AT A \ul0\nosupersub\cf29\f30\fs24 G\ul0\nosupersub\cf42\f4
3\fs19 LANCE \par\pard\qj \li1728\ri1252\sb109\sl-380\slmult0 \up0 \expndtw0\cha
rscalex105 \ul0\nosupersub\cf25\f26\fs22 Balance sheet size of Mutual Funds cont
racted by 17.1 percent in FY11 over FY10. Total assets \up0 \expndtw0\charscalex
100 decreased from Rs 31.2 billion in FY10 to Rs 25.8 billion in FY11. Net incom
e was Rs. 4.3 billion in \up0 \expndtw-3\charscalex100 FY11 as compared to Rs. 3
.0 billion for FY10. \par\pard\ql \li1728\sb0\sl-218\slmult0 \par\pard\ql\li1728
\sb116\sl-218\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24
A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF \ul0\nosupersub\cf29\f30\fs24 B\ul0\n
osupersub\cf42\f43\fs19 ALANCE \ul0\nosupersub\cf29\f30\fs24 S\ul0\nosupersub\cf
42\f43\fs19 HEET \ul0\nosupersub\cf29\f30\fs24 C\ul0\nosupersub\cf42\f43\fs19 OM
PONENTS\par\pard\sect\sectd\sbknone\cols3\colno1\colw7381\colsr40\colno2\colw303
7\colsr110\colno3\colw1542\colsr160\ql \li1728\sb221\sl-253\slmult0 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 Total equity of mutual funds wit
nessed a decrease\par\pard\ql \li7219\sb100\sl-161\slmult0 \up0 \expndtw0\charsc
alex104 \ul0\nosupersub\cf127\f128\fs14 35\par\pard\ql \li1728\sb0\sl-162\slmult
0\tx7169 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf25\f26\fs22 of Rs 4.6 b
illion or 18.1 percent in FY11 over \tab \up0 \expndtw0\charscalex104 \ul0\nosu
persub\cf127\f128\fs14 30\par\pard\ql \li7219\sb59\sl-161\slmult0 \up0 \expndtw0
\charscalex103 \ul0\nosupersub\cf126\f127\fs14 25\par\pard\ql \li1728\sb0\sl-162
\slmult0\tx7169 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 FY10
. Total assets decreased from Rs 31.2 billion \tab \up0 \expndtw0\charscalex104
\ul0\nosupersub\cf127\f128\fs14 20\par\pard\ql \li7219\sb59\sl-161\slmult0 \up0
\expndtw0\charscalex104 15\par\pard\ql \li1728\sb0\sl-162\slmult0\tx7169 \up0 \e
xpndtw0\charscalex105 \ul0\nosupersub\cf25\f26\fs22 in FY10 to Rs 25.8 billion
in FY11 showing a \tab \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf126\f127\f
s14 10\par\pard\ql \li7290\sb59\sl-161\slmult0 \up0 \expndtw-1\charscalex100 \ul

0\nosupersub\cf127\f128\fs14 5\par\pard\ql \li1728\sb0\sl-198\slmult0 \up0 \expn

dtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 decrease of \up0 \expndtw-1\c
harscalex100 17.1 percent over FY10. Analysis\par\pard\ql \li7290\sb0\sl-123
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf127\f128\fs14 0\par\par
d\column \ql \li7421\sb0\sl-230\slmult0 \par\pard\ql \li20\sb35\sl-230\slmult0 \
up0 \expndtw0\charscalex101 \ul0\nosupersub\cf128\f129\fs20 Components of Balanc
e Sheet\par\pard\ql \li8133\sb0\sl-161\slmult0 \par\pard\ql \li8133\sb0\sl-161\s
lmult0 \par\pard\ql \li8133\sb0\sl-161\slmult0 \par\pard\ql \li732\sb27\sl-161\s
lmult0\tx2682 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf127\f128\fs14 -18%\
tab \up0 \expndtw0\charscalex104 -17%\par\pard\ql \li1704\sb147\sl-161\slmult0 \
up0 \expndtw0\charscalex104 -46%\par\pard\ql \li7646\sb0\sl-161\slmult0 \par\par
d\ql \li7646\sb0\sl-161\slmult0 \par\pard\ql \li7646\sb0\sl-161\slmult0 \par\par
d\ql \li245\sb131\sl-161\slmult0\tx1422\tx2195 \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf126\f127\fs14 Total Equity\tab \up0 \expndtw0\charscalex100 \ul0\n
osupersub\cf127\f128\fs14 Total\tab \up0 \expndtw0\charscalex102 \ul0\nosupersub
\cf126\f127\fs14 Total Assets\par\pard\column \ql \li10558\sb0\sl-161\slmult0 \p
ar\pard\ql \li10558\sb0\sl-161\slmult0 \par\pard\ql \li10558\sb0\sl-161\slmult0
\par\pard\ql \li20\sb91\sl-161\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosuper
sub\cf127\f128\fs14 20%\par\pard\ql \li10558\sb0\sl-161\slmult0 \par\pard\ql \li
20\sb12\sl-161\slmult0 \up0 \expndtw0\charscalex104 -10%\par\pard\ql \li10558\sb
0\sl-161\slmult0 \par\pard\ql \li20\sb11\sl-161\slmult0 \up0 \expndtw0\charscale
x104 \ul0\nosupersub\cf126\f127\fs14 -40%\par\pard\qj \li20\ri1105\sb30\sl-333\s
lmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf127\f128\fs14 -70% \line \
up0 \expndtw0\charscalex105 -100%\par\pard\sect\sectd\sbknone\cols4\colno1\colw6
853\colsr160\colno2\colw1522\colsr160\colno3\colw665\colsr160\colno4\colw2600\co
lsr160\ql \li1728\sb0\sl-198\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersu
b\cf25\f26\fs22 revealed that around 90.6 percent of total assets\par\pard\qj \l
i1728\ri603\sb0\sl-379\slmult0\fi0 \up0 \expndtw0\charscalex100 were in form of
investments as compared to 86.0 \up0 \expndtw0\charscalex105 percent in FY10. Co
mponents of equity have a \up0 \expndtw-3\charscalex100 mixed trend.\par\pard\ql
\li2182\sb0\sl-230\slmult0 \par\pard\ql \li2687\sb52\sl-230\slmult0 \up0 \expnd
tw0\charscalex100 \ul0\nosupersub\cf131\f132\fs20 Major Components of Assets\pa
r\pard\ql \li2182\sb0\sl-161\slmult0 \par\pard\ql \li2182\sb87\sl-161\slmult0 \u
p0 \expndtw0\charscalex103 \ul0\nosupersub\cf129\f130\fs14 35.0\par\pard\ql \li3
100\sb18\sl-161\slmult0 \up0 \expndtw0\charscalex101 1.7\par\pard\column \ql \li
21\sb90\sl-161\slmult0\tx874 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf127\
f128\fs14 FY 10\tab \up0 \expndtw0\charscalex104 25.5\par\pard\ql \li21\sb43\sl161\slmult0\tx874 \up0 \expndtw0\charscalex102 FY 11\tab \up0 \expndtw0\charscal
ex104 20.9\par\pard\ql \li20\sb43\sl-161\slmult0\tx851 \up0 \expndtw0\charscalex
101 \ul0\nosupersub\cf126\f127\fs14 Growth\tab \up0 \expndtw0\charscalex104 -18%
\par\pard\ql \li7327\sb0\sl-161\slmult0 \par\pard\ql \li7327\sb0\sl-161\slmult0
\par\pard\ql \li7327\sb0\sl-161\slmult0 \par\pard\ql \li7327\sb0\sl-161\slmult0
\par\pard\ql \li7327\sb0\sl-161\slmult0 \par\pard\ql \li7327\sb0\sl-161\slmult0
\par\pard\ql \li7327\sb0\sl-161\slmult0 \par\pard\ql \li7327\sb0\sl-161\slmult0
\par\pard\ql \li334\sb97\sl-161\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupe
rsub\cf133\f134\fs14 17%\par\pard\ql \li587\sb20\sl-161\slmult0 \up0 \expndtw0\c
harscalex106 \ul0\nosupersub\cf132\f133\fs14 15%\par\pard\column \ql \li20\sb0\s
l-126\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf127\f128\fs14 Liabi
lities\par\pard\ql \li203\sb0\sl-126\slmult0 \up0 \expndtw0\charscalex102 1.0\pa
r\pard\ql \li203\sb47\sl-161\slmult0 \up0 \expndtw0\charscalex102 0.6\par\pard\q
l \li147\sb44\sl-161\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf126\
f127\fs14 -46%\par\pard\column \ql \li327\sb93\sl-161\slmult0 \up0 \expndtw0\cha
rscalex104 \ul0\nosupersub\cf127\f128\fs14 31.2\par\pard\ql \li327\sb43\sl-161\s
lmult0 \up0 \expndtw0\charscalex104 25.8\par\pard\ql \li305\sb44\sl-161\slmult0
\up0 \expndtw0\charscalex104 \ul0\nosupersub\cf126\f127\fs14 -17%\par\pard\qj \l
i2182\sb0\sl-161\slmult0 \par\pard\qj \li2182\sb0\sl-161\slmult0 \par\pard\qj \l
i2182\sb0\sl-161\slmult0 \par\pard\qj \li2182\sb0\sl-161\slmult0 \par\pard\qj \l
i2182\sb0\sl-161\slmult0 \par\pard\qj \li2182\sb0\sl-161\slmult0 \par\pard\qj \l
i2182\sb0\sl-161\slmult0 \par\pard\qj \li2182\sb0\sl-161\slmult0 \par\pard\qj \l
i20\ri1439\sb123\sl-161\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf1

32\f133\fs14 Certificate Holder \line \up0 \expndtw0\charscalex102 Equity\par\pa

rd\sect\sectd\sbknone\cols3\colno1\colw3887\colsr160\colno2\colw2656\colsr160\co
lno3\colw5247\colsr160\ql \li2182\sb0\sl-126\slmult0 \up0 \expndtw0\charscalex10
3 \ul0\nosupersub\cf129\f130\fs14 30.0\par\pard\ql \li2182\sb35\sl-161\slmult0 \
up0 \expndtw0\charscalex103 \ul0\nosupersub\cf130\f131\fs14 25.0\par\pard\ql \li
2182\sb89\sl-161\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf129\f130
\fs14 20.0\par\pard\ql \li3067\sb0\sl-137\slmult0 \up0 \expndtw0\charscalex103 \
ul0\nosupersub\cf130\f131\fs14 26.8\par\pard\ql \li2182\sb0\sl-126\slmult0 \up0
\expndtw0\charscalex103 \ul0\nosupersub\cf129\f130\fs14 15.0\par\pard\ql \li2182
\sb78\sl-161\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf130\f131\fs1
4 10.0\par\pard\ql \li2252\sb89\sl-161\slmult0 \up0 \expndtw0\charscalex100 \ul0
\nosupersub\cf129\f130\fs14 5.0\par\pard\ql \li3100\sb0\sl-126\slmult0 \up0 \exp
ndtw0\charscalex101 2.7\par\pard\ql \li2252\sb0\sl-126\slmult0 \up0 \expndtw0\ch
arscalex100 0.0\par\pard\ql \li2962\sb6\sl-161\slmult0 \up0 \expndtw0\charscalex
101 FY 10\par\pard\column \ql \li159\sb78\sl-161\slmult0\tx1146 \up0 \expndtw0\c
harscalex100 0.6\tab \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf130\f131\fs1
4 others\par\pard\ql \li1141\sb144\sl-161\slmult0 \up0 \expndtw0\charscalex101 \
ul0\nosupersub\cf129\f130\fs14 Investments\par\pard\ql \li126\sb134\sl-161\slmul
t0\tx1146 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf130\f131\fs14 23.4\tab
\up0 \expndtw0\charscalex102 \ul0\nosupersub\cf129\f130\fs14 Cash & Bank Bal.\pa
r\pard\ql \li4186\sb0\sl-161\slmult0 \par\pard\ql \li4186\sb0\sl-161\slmult0 \pa
r\pard\ql \li159\sb149\sl-161\slmult0 \up0 \expndtw0\charscalex100 1.8\par\pard\
ql \li20\sb107\sl-161\slmult0 \up0 \expndtw0\charscalex101 FY 11\par\pard\column
\ql \li95\sb1\sl-148\slmult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf133
\f134\fs14 -2%\par\pard\ql \li328\sb0\sl-126\slmult0\tx2672 \up0 \expndtw0\chars
calex105 \ul0\nosupersub\cf132\f133\fs14 -15%\tab \up0 \expndtw0\charscalex107 R
eserve\par\pard\ql \li20\sb1\sl-139\slmult0 \up0 \expndtw0\charscalex103 8%\par\
pard\ql \li309\sb17\sl-161\slmult0\tx2672 \up0 \expndtw0\charscalex103 7%\tab \u
p0 \expndtw0\charscalex106 Unappropriated\par\pard\ql \li853\sb0\sl-144\slmult0
\up0 \expndtw0\charscalex100 \ul0\nosupersub\cf134\f135\fs16 FY10\par\pard\ql \l
i2667\sb0\sl-126\slmult0 \up0 \expndtw0\charscalex106 \ul0\nosupersub\cf133\f134
\fs14 Proftif/Loss\par\pard\ql \li1603\sb0\sl-126\slmult0\tx2672 \up0 \expndtw0\
charscalex106 \ul0\nosupersub\cf132\f133\fs14 93%\tab \up0 \expndtw0\charscalex1
06 \ul0\nosupersub\cf133\f134\fs14 Other\par\pard\ql \li1797\sb0\sl-139\slmult0
\up0 \expndtw0\charscalex105 76%\par\pard\ql \li9096\sb0\sl-184\slmult0 \par\par
d\ql \li2263\sb17\sl-184\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf
135\f136\fs16 FY11 \par\pard\sect\sectd\sbknone \qj \li1728\sb0\sl-380\slmult0 \
par\pard\qj\li1728\ri1263\sb155\sl-380\slmult0 \up0 \expndtw0\charscalex102 \ul0
\nosupersub\cf25\f26\fs22 Certificate holders\u8217? equity declined by 31.2 pe
rcent in FY11, whereas reserves increased by 5.3 \line \up0 \expndtw-3\charscal
ex100 percent. Current assets in form of cash and bank balances decreased from R
s 2.7 billion in FY10 to Rs \par\pard\qj \li1728\ri1237\sb1\sl-380\slmult0 \up0
\expndtw-2\charscalex100 1.8 billion in FY11 registering a decline of around 31.
1 percent over FY10. Investment decreased from \line \up0 \expndtw-2\charscalex1
00 Rs 26.8 billion in FY10 to Rs 23.4 billion in FY11. Certificate holder equity
recorded decline during \line \up0 \expndtw0\charscalex102 FY11, witnessing a d
ecrease of around 31.2 percent in FY11 over FY10, however the other two \line \
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0a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2803e2bfdb4ff00e3dff656ff00
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14514005145140051451400514514005145140051451400514514005145140051451400514514005
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14514005145140051451400514514005145140051451400514514005145140051451400514514005
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145140051451401fffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg114}{\bkmkend Pg114}\par\
pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li662
9\sb0\sl-184\slmult0\par\pard\li6629\sb19\sl-184\slmult0\fi0\tx10125 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of F
inancial Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 20
11\par\pard\qj \li1728\sb0\sl-380\slmult0 \par\pard\qj\li1728\ri1263\sb92\sl-380
\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 percent in
FY11 over FY10. Un-appropriate profit also witnessed an increase of about 89.4 p
ercent in \up0 \expndtw-3\charscalex100 FY11 over FY10. \par\pard\ql \li1728\sb0
\sl-218\slmult0 \par\pard\ql\li1728\sb136\sl-218\slmult0 \up0 \expndtw0\charscal
ex101 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf42\f43\fs19 NALYSIS OF \u
l0\nosupersub\cf29\f30\fs24 P\ul0\nosupersub\cf42\f43\fs19 ROFITABILITY \par\par
d\ql \li7427\sb33\sl-230\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f138\f139\fs20 Major Sources of Income\par\pard\sect\sectd\sbknone\cols4\colno1\
colw6089\colsr160\colno2\colw984\colsr20\colno3\colw3106\colsr60\colno4\colw1701
\colsr160\ql \li1728\sb6\sl-207\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf25\f26\fs22 On income side, gross revenue increased in\par\pard\qj
\li1728\ri77\sb33\sl-379\slmult0 \up0 \expndtw0\charscalex100 FY11 as compared
to FY10. In absolute terms \line \up0 \expndtw0\charscalex104 total income incre
ased from Rs 4.1 billion in \line \up0 \expndtw0\charscalex100 FY10 to Rs 5.0 bi
llion in FY11, registering an \line \up0 \expndtw-1\charscalex100 increase of ar
ound 22.7 percent. Major Portion \line \up0 \expndtw0\charscalex100 of income ha
s been generated through gain on \line \up0 \expndtw0\charscalex100 sales of i
nvestment, capital gains and from \line \up0 \expndtw-3\charscalex100 divide
nd income.Net gain on sale of investment \line \up0 \expndtw0\charscalex102 whic
h was Rs 935 million in FY10 decreased \line \up0 \expndtw-2\charscalex100 to Rs
920 million in FY11. During FY11, 71.3\par\pard\column \ql \li705\sb94\sl-161\
slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf137\f138\fs14 6.0\par\par

d\ql \li705\sb56\sl-161\slmult0 \up0 \expndtw0\charscalex100 5.0\par\pard\ql \li

705\sb57\sl-161\slmult0 \up0 \expndtw0\charscalex100 4.0\par\pard\ql \li705\sb57
\sl-161\slmult0 \up0 \expndtw0\charscalex100 3.0\par\pard\ql \li705\sb57\sl-161\
slmult0 \up0 \expndtw0\charscalex100 2.0\par\pard\ql \li705\sb57\sl-161\slmult0
\up0 \expndtw0\charscalex100 1.0\par\pard\ql \li705\sb57\sl-161\slmult0 \up0 \ex
pndtw0\charscalex100 0.0\par\pard\ql \li6770\sb0\sl-161\slmult0 \par\pard\ql \li
541\sb146\sl-161\slmult0 \up0 \expndtw0\charscalex101 FY 10\par\pard\ql \li541\s
b47\sl-161\slmult0 \up0 \expndtw0\charscalex101 FY 11\par\pard\ql \li540\sb47\sl
-161\slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf136\f137\fs14 Growt
h\par\pard\ql \li6249\sb0\sl-161\slmult0 \par\pard\ql \li6249\sb0\sl-161\slmult0
\par\pard\ql \li6249\sb0\sl-161\slmult0 \par\pard\ql \li6249\sb0\sl-161\slmult0
\par\pard\ql \li6249\sb0\sl-161\slmult0 \par\pard\ql \li20\sb100\sl-161\slmult0
\up0 \expndtw0\charscalex105 \ul0\nosupersub\cf140\f141\fs14 100%\par\pard\ql \
li101\sb43\sl-161\slmult0 \up0 \expndtw0\charscalex104 90%\par\pard\column \ql \
li10030\sb0\sl-161\slmult0 \par\pard\ql \li2807\sb145\sl-161\slmult0 \up0 \expnd
tw0\charscalex104 \ul0\nosupersub\cf137\f138\fs14 51%\par\pard\ql \li550\sb149\s
l-161\slmult0 \up0 \expndtw0\charscalex103 23%\par\pard\ql \li2055\sb0\sl-126\sl
mult0 \up0 \expndtw0\charscalex103 \ul0\nosupersub\cf136\f137\fs14 16%\par\pard\
ql \li7491\sb0\sl-161\slmult0 \par\pard\ql \li7491\sb0\sl-161\slmult0 \par\pard\
ql \li1303\sb53\sl-161\slmult0 \up0 \expndtw0\charscalex103 -38%\par\pard\ql \li
268\sb66\sl-161\slmult0\tx938\tx1657\tx2497 \up0 \expndtw-1\charscalex100 Total\
tab \up0 \expndtw0\charscalex103 Interest\tab \up0 \expndtw0\charscalex103 Divid
end\tab \up0 \expndtw0\charscalex103 Other\par\pard\ql \li191\sb0\sl-159\slmult0
\tx949\tx1701\tx2454 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf137\f138\fs1
4 Income\tab \up0 \expndtw0\charscalex101 Income\tab \up0 \expndtw0\charscalex10
1 Income\tab \up0 \expndtw0\charscalex101 Income\par\pard\ql \li316\sb50\sl-161\
slmult0\tx1073\tx1826\tx2578 \up0 \expndtw0\charscalex101 4.1\tab \up0 \expndtw0
\charscalex100 0.8\tab \up0 \expndtw0\charscalex101 1.2\tab \up0 \expndtw0\chars
calex100 2.1\par\pard\ql \li316\sb46\sl-161\slmult0\tx1073\tx1826\tx2578 \up0 \e
xpndtw0\charscalex101 5.0\tab \up0 \expndtw0\charscalex100 0.5\tab \up0 \expndtw
0\charscalex101 1.4\tab \up0 \expndtw0\charscalex100 3.1\par\pard\ql \li283\sb47
\sl-161\slmult0\tx1018\tx1792\tx2545 \up0 \expndtw0\charscalex103 \ul0\nosupersu
b\cf136\f137\fs14 23%\tab \up0 \expndtw0\charscalex103 -38%\tab \up0 \expndtw0\c
harscalex103 16%\tab \up0 \expndtw0\charscalex103 51%\par\pard\ql \li7243\sb0\sl
-230\slmult0 \par\pard\ql \li7243\sb0\sl-230\slmult0 \par\pard\ql \li20\sb133\sl
-230\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf141\f142\fs20 Profit
ability/Efficiency Ratios\par\pard\ql \li7244\sb0\sl-149\slmult0 \par\pard\ql \l
i21\sb98\sl-149\slmult0 \up0 \expndtw0\charscalex105 \ul0\nosupersub\cf139\f140\
fs13 85.8%\par\pard\column \ql \li20\sb94\sl-161\slmult0 \up0 \expndtw0\charscal
ex103 \ul0\nosupersub\cf137\f138\fs14 70%\par\pard\qj \li20\ri1347\sb10\sl-217\s
lmult0 \up0 \expndtw0\charscalex103 50% \line \up0 \expndtw0\charscalex103 30% \
line \up0 \expndtw0\charscalex103 10% \line \up0 \expndtw0\charscalex103 -10% \l
ine \up0 \expndtw0\charscalex103 -30% \line \up0 \expndtw0\charscalex103 -50%\pa
r\pard\sect\sectd\sbknone\cols3\colno1\colw6170\colsr160\colno2\colw1581\colsr16
0\colno3\colw4039\colsr160\ql \li1728\sb41\sl-253\slmult0 \up0 \expndtw0\charsca
lex106 \ul0\nosupersub\cf25\f26\fs22 percent
of
total
expenses
const
ituted\par\pard\qj \li1728\ri157\sb22\sl-379\slmult0 \up0 \expndtw0\charscalex10
2 remuneration to management/ investment \line \up0 \expndtw0\charscalex10
1 adviser while in FY10 it was around \up0 \expndtw-4\charscalex100 61.9\p
ar\pard\qj \li1728\ri158\sb0\sl-379\slmult0 \up0 \expndtw0\charscalex103 percent
. Return on assets (ROA) increased in \line \up0 \expndtw0\charscalex104 FY11 to
16.58 percent as compared to 9.61 \line \up0 \expndtw0\charscalex103 percent
inFY10. On the other hand, return on\par\pard\column \ql \li20\sb34\sl-161\slmul
t0\tx625 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf140\f141\fs14 80%\tab \u
p0 \expndtw0\charscalex105 \ul0\nosupersub\cf139\f140\fs13 73.6%\par\pard\ql \li
20\sb43\sl-161\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf140\f141\f
s14 70%\par\pard\ql \li20\sb53\sl-149\slmult0 \up0 \expndtw0\charscalex105 \ul0\
nosupersub\cf139\f140\fs13 60%\par\pard\ql \li20\sb56\sl-149\slmult0 \up0 \expnd
tw0\charscalex105 50%\par\pard\ql \li20\sb56\sl-149\slmult0 \up0 \expndtw0\chars
calex105 40%\par\pard\ql \li20\sb56\sl-149\slmult0 \up0 \expndtw0\charscalex105

30%\par\pard\ql \li20\sb56\sl-149\slmult0 \up0 \expndtw0\charscalex105 20%\par\p

ard\ql \li20\sb56\sl-149\slmult0 \up0 \expndtw0\charscalex105 10%\par\pard\ql \l
i90\sb56\sl-149\slmult0 \up0 \expndtw0\charscalex102 0%\par\pard\ql \li827\sb22\
sl-149\slmult0 \up0 \expndtw0\charscalex103 ROR\par\pard\column \ql \li1399\sb81
\sl-161\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf140\f141\fs14 71.
3%\par\pard\ql \li1085\sb39\sl-149\slmult0 \up0 \expndtw0\charscalex105 \ul0\nos
upersub\cf139\f140\fs13 61.9%\par\pard\ql \li10363\sb0\sl-149\slmult0 \par\pard\
ql \li2322\sb51\sl-149\slmult0 \up0 \expndtw0\charscalex102 FY 10\par\pard\ql \l
i2322\sb79\sl-161\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf140\f14
1\fs14 FY 11\par\pard\ql \li8342\sb0\sl-149\slmult0 \par\pard\ql \li301\sb41\sl149\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf139\f140\fs13 16.6%\p
ar\pard\ql \li20\sb0\sl-140\slmult0 \up0 \expndtw0\charscalex103 9.6%\par\pard\q
l \li8235\sb0\sl-149\slmult0 \par\pard\ql \li8235\sb0\sl-149\slmult0 \par\pard\q
l \li194\sb52\sl-149\slmult0\tx1297 \up0 \expndtw0\charscalex102 ROA\tab \up0 \e
xpndtw0\charscalex100 MER \par\pard\sect\sectd\sbknone \ql \li1728\sb135\sl-253\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 revenue (ROR
) also increased from 73.62 percent in FY10 to 85.81 percent in FY11. \par\pard\
ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\q
l\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\
li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li
6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li61
45\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145
\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\s
b0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0
\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\s
l-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl276\slmult0 \par\pard\ql\li6145\sb64\sl-276\slmult0 \up0 \expndtw-3\charscalex10
0 \ul0\nosupersub\cf17\f18\fs24 106 \par\pard\sect\sectd\fs24\paperw12960\paperh
15840\pard\sb0\sl-240{\bkmkstart Pg115}{\bkmkend Pg115}\par\pard\li6930\sb0\sl-1
84\slmult0\par\pard\li6930\sb133\sl-184\slmult0\fi0\tx10620 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf52\f53\fs16 Financial Statement Analysis of Financia
l Sector\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 2011\pa
r\pard\li900\sb0\sl-276\slmult0\par\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf57\f58\fs24 Mutual Fund Companies
- Overall\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thou
sand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230
\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndt
w-2\charscalex100 2008\tab \up0 \expndtw-2\charscalex100 2009\tab \up0 \expndtw2\charscalex100 2010\tab \up0 \expndtw-2\charscalex100 2011\par\pard\li900\sb68\
sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 58,234,623\tab \up0 \expndtw-1\cha
rscalex100 44,087,199\tab \up0 \expndtw-1\charscalex100 26,147,432\tab \up0 \exp
ndtw-1\charscalex100 25,477,542\tab \up0 \expndtw-1\charscalex100 20,871,348\par
\pard\li900\sb88\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11073 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Certificate holders equi
ty\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34,686,190\ta
b \up0 \expndtw-1\charscalex100 31,455,897\tab \up0 \expndtw-1\charscalex100 30,
670,643\tab \up0 \expndtw-1\charscalex100 27,941,275\tab \up0 \expndtw-1\charsca
lex100 19,228,186\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6813\tx7893\tx8973
\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.R
eserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,796,90
0\tab \up0 \expndtw-1\charscalex100 3,853,662\tab \up0 \expndtw-1\charscalex100
1,470,976\tab \up0 \expndtw-1\charscalex100 2,010,049\tab \up0 \expndtw-1\charsc
alex100 2,116,202\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6753\tx7893\tx8924
\tx10004\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.U
nappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 18,751,533\tab \up0 \expndtw-1\charscalex100 8,777,640\tab \up0 \expnd
tw-1\charscalex100 (5,994,187)\tab \up0 \expndtw-1\charscalex100 (4,473,782)\tab

\up0 \expndtw-1\charscalex100 (473,040)\par\pard\li900\sb106\sl-161\slmult0\fi1

94\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 5,085,455\tab \up0 \expndtw-1\charscalex100 5,162,631\tab \up0 \exp
ndtw-1\charscalex100 4,310,912\tab \up0 \expndtw-1\charscalex100 4,653,700\tab \
up0 \expndtw-1\charscalex100 4,391,766\par\pard\li900\sb103\sl-184\slmult0\fi44\
tx6813\tx7998\tx9078\tx10053\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 5,045,161\tab \up0 \expndtw-1\charscalex100 607,0
03\tab \up0 \expndtw-1\charscalex100 510,262\tab \up0 \expndtw-1\charscalex100 1
,038,086\tab \up0 \expndtw-1\charscalex100 561,971\par\pard\li900\sb88\sl-161\sl
mult0\fi194\tx6813\tx7998\tx9078\tx10053\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,262,039\tab \up0 \expndtw-1\chars
calex100 148,037\tab \up0 \expndtw-1\charscalex100 109,447\tab \up0 \expndtw-1\c
harscalex100 1,302,972\tab \up0 \expndtw-1\charscalex100 44,501\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10110\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 3,783,122\tab \up0 \expndtw-1\charscalex100
458,966\tab \up0 \expndtw-1\charscalex100 400,815\tab \up0 \expndtw-1\charscalex
100 (264,886)\tab \up0 \expndtw-1\charscalex100 517,470\par\pard\li900\sb103\sl184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 68,365,239\tab \up0 \expndtw-1\charsc
alex100 49,856,833\tab \up0 \expndtw-1\charscalex100 30,968,606\tab \up0 \expndt
w-1\charscalex100 31,169,328\tab \up0 \expndtw-1\charscalex100 25,825,085\par\pa
rd\li900\sb88\sl-161\slmult0\fi194\tx6753\tx7893\tx8973\tx10053\tx11133 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balances\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,620,627\tab \up0 \
expndtw-1\charscalex100 5,340,247\tab \up0 \expndtw-1\charscalex100 3,898,511\ta
b \up0 \expndtw-1\charscalex100 2,680,698\tab \up0 \expndtw-1\charscalex100 1,84
7,166\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\tx11
073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47,921,836\tab \up
0 \expndtw-1\charscalex100 43,359,823\tab \up0 \expndtw-1\charscalex100 25,980,0
30\tab \up0 \expndtw-1\charscalex100 26,793,633\tab \up0 \expndtw-1\charscalex10
0 23,402,220\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10
053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,822,776\tab \
up0 \expndtw-1\charscalex100 1,156,763\tab \up0 \expndtw-1\charscalex100 1,090,0
65\tab \up0 \expndtw-1\charscalex100 1,694,997\tab \up0 \expndtw-1\charscalex100
575,699\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161
\slmult0\fi194\tx6753\tx7893\tx8864\tx10053\tx11133 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 14,765,320\tab \up0 \expndtw-1\charscalex100 1
,518,537\tab \up0 \expndtw-1\charscalex100 (12,401,221)\tab \up0 \expndtw-1\char
scalex100 4,067,413\tab \up0 \expndtw-1\charscalex100 4,990,398\par\pard\li900\s
b107\sl-161\slmult0\fi350\tx6813\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,053,983\tab \up0 \expndtw1\charscalex100 781,834\tab \up0 \expndtw-1\charscalex100 833,365\tab \up0 \expn
dtw-1\charscalex100 828,552\tab \up0 \expndtw-1\charscalex100 514,204\par\pard\l
i900\sb106\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Dividend income\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,090,663\tab \up0 \expndtw-1
\charscalex100 1,758,182\tab \up0 \expndtw-1\charscalex100 1,566,546\tab \up0 \e
xpndtw-1\charscalex100 1,179,837\tab \up0 \expndtw-1\charscalex100 1,363,169\par
\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8010\tx9213\tx10517\tx11597 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future tra

nsactions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,887

\tab \up0 \expndtw-1\charscalex100 (15,000)\tab \up0 \expndtw-1\charscalex100 3,
566\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\
pard\li900\sb107\sl-161\slmult0\fi350\tx6813\tx7893\tx8924\tx10157\tx11237 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain on sale of inv
estments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,164,0
20\tab \up0 \expndtw-1\charscalex100 2,066,257\tab \up0 \expndtw-1\charscalex100
(4,529,115)\tab \up0 \expndtw-1\charscalex100 935,685\tab \up0 \expndtw-1\chars
calex100 920,399\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6813\tx7844\tx8924\
tx10004\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Ne
t unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 4,811,814\tab \up0 \expndtw-1\charscalex100 (3,376,571)\t
ab \up0 \expndtw-1\charscalex100 (5,888,409)\tab \up0 \expndtw-1\charscalex100 (
1,360,940)\tab \up0 \expndtw-1\charscalex100 461,407\par\pard\li900\sb107\sl-161
\slmult0\fi350\tx6917\tx7997\tx8924\tx10053\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 549,702\tab \up0 \expndtw-1\charscalex100 267,513
\tab \up0 \expndtw-1\charscalex100 (4,045,573)\tab \up0 \expndtw-1\charscalex100
2,459,690\tab \up0 \expndtw-1\charscalex100 1,731,242\par\pard\li900\sb107\sl-1
61\slmult0\fi350\tx6977\tx8057\tx9030\tx10217\tx11490 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 76,251\tab \up0 \expndtw-1\charscalex100 36,322
\tab \up0 \expndtw-1\charscalex100 (341,601)\tab \up0 \expndtw-1\charscalex100 2
4,589\tab \up0 \expndtw-1\charscalex100 (23)\par\pard\li900\sb103\sl-184\slmult0
\fi44\tx6813\tx7893\tx8973\tx10053\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1,672,104\tab \up0 \expndtw-1\charscalex100 1,
449,582\tab \up0 \expndtw-1\charscalex100 1,593,046\tab \up0 \expndtw-1\charscal
ex100 1,072,888\tab \up0 \expndtw-1\charscalex100 708,048\par\pard\li900\sb87\sl
-161\slmult0\fi194\tx6813\tx7893\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,201,308\tab \up0 \
expndtw-1\charscalex100 1,141,061\tab \up0 \expndtw-1\charscalex100 684,830\tab
\up0 \expndtw-1\charscalex100 664,460\tab \up0 \expndtw-1\charscalex100 504,646\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to tru
stees/custodians\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
49,582\tab \up0 \expndtw-1\charscalex100 45,480\tab \up0 \expndtw-1\charscalex1
00 33,104\tab \up0 \expndtw-1\charscalex100 31,577\tab \up0 \expndtw-1\charscale
x100 23,721\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx102
17\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokera
ge-commission /fee\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 66,837\tab \up0 \expndtw-1\charscalex100 36,584\tab \up0 \expndtw-1\charscale
x100 11,325\tab \up0 \expndtw-1\charscalex100 16,427\tab \up0 \expndtw-1\charsca
lex100 8,954\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10
157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Admini
strative and general expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 293,098\tab \up0 \expndtw-1\charscalex100 201,774\tab \up0 \expndt
w-1\charscalex100 847,159\tab \up0 \expndtw-1\charscalex100 336,380\tab \up0 \ex
pndtw-1\charscalex100 150,341\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\t
x8057\tx9137\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
61,279\tab \up0 \expndtw-1\charscalex100 24,683\tab \up0 \expndtw-1\charscalex1
00 16,628\tab \up0 \expndtw-1\charscalex100 24,044\tab \up0 \expndtw-1\charscale
x100 20,386\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6753\tx8057\tx8864\tx1005
2\tx11132 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net inco
me for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 13,093,216\tab \up0 \expndtw-1\charscalex100 68,955\tab \up0 \expndtw-1\c
harscalex100 (13,994,267)\tab \up0 \expndtw-1\charscalex100 2,994,525\tab \up0 \
expndtw-1\charscalex100 4,282,350\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \

expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\par\pard\li9

00\sb88\sl-161\slmult0\fi194\tx6812\tx7892\tx8972\tx10052\tx11132 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,530,072\tab \up0 \expndtw-1\chars
calex100 3,205,297\tab \up0 \expndtw-1\charscalex100 3,143,114\tab \up0 \expndtw
-1\charscalex100 2,867,868\tab \up0 \expndtw-1\charscalex100 1,998,867\par\pard\
li900\sb107\sl-161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charsc
alex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex
100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb107\sl-161\slmult
0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A
\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab
\up0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6
752\tx7844\tx9030\tx10052\tx11132 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 14,414,193\tab \up0 \expndtw-1\charscal
ex100 (2,120,718)\tab \up0 \expndtw-1\charscalex100 (632,206)\tab \up0 \expndtw1\charscalex100 1,321,602\tab \up0 \expndtw-1\charscalex100 1,470,091\par\pard\l
i900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161\s
lmult0\fi194\tx6977\tx7979\tx9063\tx10217\tx11297 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 78.70%\tab \up0 \expndtw-1\charscalex
100 -67.27%\tab \up0 \expndtw-1\charscalex100 119.35%\tab \up0 \expndtw-1\charsc
alex100 50.62%\tab \up0 \expndtw-1\charscalex100 62.38%\par\pard\li900\sb106\sl161\slmult0\fi194\tx7037\tx8054\tx9134\tx10277\tx11357 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.13%\tab \up0 \expndtw-1\charscale
x100 -0.99%\tab \up0 \expndtw-1\charscalex100 -0.03%\tab \up0 \expndtw-1\charsca
lex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161
\slmult0\fi194\tx6977\tx8117\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 88.68%\tab \up0 \expndtw-1\char
scalex100 4.54%\tab \up0 \expndtw-1\charscalex100 112.85%\tab \up0 \expndtw-1\ch
arscalex100 73.62%\tab \up0 \expndtw-1\charscalex100 85.81%\par\pard\li900\sb107
\sl-161\slmult0\fi194\tx6977\tx8117\tx9059\tx10277\tx11297 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.15%\tab \up0 \expndtw-1
\charscalex100 0.14%\tab \up0 \expndtw-1\charscalex100 -45.19%\tab \up0 \expndtw
-1\charscalex100 9.61%\tab \up0 \expndtw-1\charscalex100 16.58%\par\pard\li900\s
b107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 71.84%\tab \up0 \expndtw1\charscalex100 78.72%\tab \up0 \expndtw-1\charscalex100 42.99%\tab \up0 \expndt
w-1\charscalex100 61.93%\tab \up0 \expndtw-1\charscalex100 71.27%\par\pard\li900
\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value per share (A1/G1
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.83\tab \up0
\expndtw-1\charscalex100 9.81\tab \up0 \expndtw-1\charscalex100 9.76\tab \up0 \e
xpndtw-1\charscalex100 9.74\tab \up0 \expndtw-1\charscalex100 9.62\par\pard\li90
0\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11463 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.71\tab \up0 \expndtw1\charscalex100 0.02\tab \up0 \expndtw-1\charscalex100 -4.45\tab \up0 \expndtw-1
\charscalex100 1.04\tab \up0 \expndtw-1\charscalex100 2.14\par\pard\li900\sb103\
sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8057\tx9137

\tx10277\tx11357 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C

ash & cash equivalent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 22.85%\tab \up0 \expndtw-1\charscalex100 10.71%\tab
\up0 \expndtw-1\charscalex100 12.59%\tab \up0 \expndtw-1\charscalex100 8.60%\ta
b \up0 \expndtw-1\charscalex100 7.15%\par\pard\li900\sb106\sl-161\slmult0\fi194\
tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 7.38%\tab \up0 \expndtw-1\charscalex1
00 1.22%\tab \up0 \expndtw-1\charscalex100 1.65%\tab \up0 \expndtw-1\charscalex1
00 3.33%\tab \up0 \expndtw-1\charscalex100 2.18%\par\pard\ql \li944\sb94\sl-184\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /l
everage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx8057\tx9137\tx10
217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Sharehol
ders equity to total assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 50.74%\tab \up0 \expndtw-1\charscalex100 63.09%\tab \up0 \exp
ndtw-1\charscalex100 99.04%\tab \up0 \expndtw-1\charscalex100 89.64%\tab \up0 \e
xpndtw-1\charscalex100 74.46%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li9
00\sb92\sl-161\slmult0\fi0\tx7143\tx8084\tx9303\tx10383\tx11463 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activi
ties to net income (G4/F) (time)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 1.10\tab \up0 \expndtw-1\charscalex100 -30.76\tab \up0 \expndtw
-1\charscalex100 0.05\tab \up0 \expndtw-1\charscalex100 0.44\tab \up0 \expndtw-1
\charscalex100 0.34\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\s
b0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb7
9\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 107
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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{\shp {\*\shpinst\shpleft6930\shptop539\shpright10440\shpbottom727\shpfhdr0\shpb
xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz29\shplid2
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{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz41\shplid4{\sp{\sn shapeType}{\s
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g116}{\bkmkend Pg116}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Al-Meezan Mutual Fund\tab \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmul
t0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\
nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\c
harscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\cha
rscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx1
0053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total
equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 2,218,592\tab \up0 \expndtw-1\charscalex100 1,906,416\tab \up0 \expndtw-1\cha
rscalex100 1,174,174\tab \up0 \expndtw-1\charscalex100 1,403,921\tab \up0 \expnd
tw-1\charscalex100 1,707,315\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 1,196,000\tab \up0 \expndtw-1\charscalex100 1,375,400\tab \u
p0 \expndtw-1\charscalex100 1,375,400\tab \up0 \expndtw-1\charscalex100 1,375,40
0\tab \up0 \expndtw-1\charscalex100 1,375,400\par\pard\li900\sb107\sl-161\slmult
0\fi194\tx6978\tx8058\tx9138\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 44,729\tab \up0 \expndtw-1\charscalex100 43,091\tab \up0 \ex
pndtw-1\charscalex100 23,571\tab \up0 \expndtw-1\charscalex100 34,744\tab \up0 \
expndtw-1\charscalex100 164,084\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918
\tx7998\tx9030\tx10244\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 977,863\tab \up0 \expndtw-1\charscalex100 487,925\tab \u
p0 \expndtw-1\charscalex100 (224,797)\tab \up0 \expndtw-1\charscalex100 (6,223)\
tab \up0 \expndtw-1\charscalex100 167,831\par\pard\li900\sb106\sl-161\slmult0\fi
194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\
par\pard\li900\sb103\sl-184\slmult0\fi44\tx6978\tx8133\tx9138\tx10158\tx11298 \d
n3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B
1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57,915\t
ab \up0 \expndtw-1\charscalex100 9,279\tab \up0 \expndtw-1\charscalex100 10,924\
tab \up0 \expndtw-1\charscalex100 425,272\tab \up0 \expndtw-1\charscalex100 26,3
40\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10293\tx11373
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to invest
ment advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,
590\tab \up0 \expndtw-1\charscalex100 3,221\tab \up0 \expndtw-1\charscalex100 1,
029\tab \up0 \expndtw-1\charscalex100 2,324\tab \up0 \expndtw-1\charscalex100 2,
827\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10158\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,325\tab \up0 \expndtw
-1\charscalex100 6,058\tab \up0 \expndtw-1\charscalex100 9,895\tab \up0 \expndtw
-1\charscalex100 422,948\tab \up0 \expndtw-1\charscalex100 23,513\par\pard\li900
\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,276,507\tab \up0 \expndt
w-1\charscalex100 1,915,695\tab \up0 \expndtw-1\charscalex100 1,185,098\tab \up0
\expndtw-1\charscalex100 1,829,193\tab \up0 \expndtw-1\charscalex100 1,733,655\
par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10158\tx11238 \d

n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balances

\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 590,523\tab \up
0 \expndtw-1\charscalex100 63,366\tab \up0 \expndtw-1\charscalex100 35,681\tab \
up0 \expndtw-1\charscalex100 131,182\tab \up0 \expndtw-1\charscalex100 275,093\p
ar\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,607,032\tab \up0 \expn
dtw-1\charscalex100 1,823,099\tab \up0 \expndtw-1\charscalex100 1,122,298\tab \u
p0 \expndtw-1\charscalex100 1,274,965\tab \up0 \expndtw-1\charscalex100 1,430,26
7\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10158\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 78,952\tab \up0 \expndtw-1
\charscalex100 29,230\tab \up0 \expndtw-1\charscalex100 27,119\tab \up0 \expndtw
-1\charscalex100 423,046\tab \up0 \expndtw-1\charscalex100 28,295\par\pard\li900
\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\t
x8058\tx9030\tx10158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 594,674\tab \up0 \expndtw-1\charscalex100 38,615\tab \up0 \expndtw-1\
charscalex100 (543,568)\tab \up0 \expndtw-1\charscalex100 397,393\tab \up0 \expn
dtw-1\charscalex100 393,294\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8
058\tx9213\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 21,848\tab \up0 \expndtw-1\charscalex100 23,993\tab \up0 \expndt
w-1\charscalex100 5,514\tab \up0 \expndtw-1\charscalex100 9,115\tab \up0 \expndt
w-1\charscalex100 25,669\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8058
\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 79,505\tab \up0 \expndtw-1\charscalex100 84,386\tab \up0 \expndtw-1\charsc
alex100 75,148\tab \up0 \expndtw-1\charscalex100 100,701\tab \up0 \expndtw-1\cha
rscalex100 106,606\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx943
8\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.
Income from future transactions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsc
alex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx7998\tx9030\tx10158\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain on sale
of investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
76,243\tab \up0 \expndtw-1\charscalex100 141,851\tab \up0 \expndtw-1\charscalex1
00 (291,658)\tab \up0 \expndtw-1\charscalex100 185,603\tab \up0 \expndtw-1\chars
calex100 215,313\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx7950\tx9030\
tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Ne
t unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 314,974\tab \up0 \expndtw-1\charscalex100 (194,197)\tab \
up0 \expndtw-1\charscalex100 (332,572)\tab \up0 \expndtw-1\charscalex100 101,974
\tab \up0 \expndtw-1\charscalex100 45,706\par\pard\li900\sb107\sl-161\slmult0\fi
350\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx8010\tx9438\tx10518\tx1
1598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,104\tab \up0 \
expndtw-1\charscalex100 (17,418)\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb10
3\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47,917\tab \up0 \expndtw-1\cha
rscalex100 50,153\tab \up0 \expndtw-1\charscalex100 31,614\tab \up0 \expndtw-1\c
harscalex100 41,279\tab \up0 \expndtw-1\charscalex100 33,561\par\pard\li900\sb87

\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\chars

calex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,590\tab \up0 \
expndtw-1\charscalex100 41,339\tab \up0 \expndtw-1\charscalex100 24,446\tab \up0
\expndtw-1\charscalex100 28,812\tab \up0 \expndtw-1\charscalex100 31,854\par\pa
rd\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9303\tx10383\tx11463 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/
custodians\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,308
\tab \up0 \expndtw-1\charscalex100 1,076\tab \up0 \expndtw-1\charscalex100 641\t
ab \up0 \expndtw-1\charscalex100 788\tab \up0 \expndtw-1\charscalex100 783\par\p
ard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11463 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fe
e\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,013\tab \up0
\expndtw-1\charscalex100 3,599\tab \up0 \expndtw-1\charscalex100 1,240\tab \up0
\expndtw-1\charscalex100 1,399\tab \up0 \expndtw-1\charscalex100 838\par\pard\l
i900\sb106\sl-161\slmult0\fi194\tx7278\tx8133\tx9213\tx10218\tx11538 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and general ex
penses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up
0 \expndtw-1\charscalex100 4,139\tab \up0 \expndtw-1\charscalex100 5,287\tab \up
0 \expndtw-1\charscalex100 10,280\tab \up0 \expndtw-1\charscalex100 86\par\pard\
li900\sb107\sl-161\slmult0\fi194\tx7053\tx8357\tx9437\tx10517\tx11597 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 3,006\tab \up0 \expndtw-1\charscalex10
0 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6917\
tx8010\tx9030\tx10157\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 546,757\tab \up0 \expndtw-1\charscalex100 (11,538)\ta
b \up0 \expndtw-1\charscalex100 (575,182)\tab \up0 \expndtw-1\charscalex100 356,
114\tab \up0 \expndtw-1\charscalex100 359,733\par\pard\li900\sb83\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\
par\pard\li900\sb88\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 119,600\tab \up0 \expnd
tw-1\charscalex100 137,540\tab \up0 \expndtw-1\charscalex100 137,540\tab \up0 \e
xpndtw-1\charscalex100 137,540\tab \up0 \expndtw-1\charscalex100 137,540\par\par
d\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10173\tx11328 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\ch
arscalex100 18.50%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb106\s
l-161\slmult0\fi194\tx6917\tx7950\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 919,597\tab \up0
\expndtw-1\charscalex100 (228,946)\tab \up0 \expndtw-1\charscalex100 108,214\ta
b \up0 \expndtw-1\charscalex100 232,225\tab \up0 \expndtw-1\charscalex100 329,90
9\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li900\s
b88\sl-161\slmult0\fi194\tx6977\tx7919\tx9063\tx10217\tx11297 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 82.96%\tab \up0 \expndtw1\charscalex100 -180.67%\tab \up0 \expndtw-1\charscalex100 114.84%\tab \up0 \exp
ndtw-1\charscalex100 72.37%\tab \up0 \expndtw-1\charscalex100 66.37%\par\pard\li
900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \u

p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndt

w-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndt
w-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\s
b107\sl-161\slmult0\fi194\tx6977\tx7979\tx9063\tx10217\tx11297 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91.94%\tab \up0 \exp
ndtw-1\charscalex100 -29.88%\tab \up0 \expndtw-1\charscalex100 105.82%\tab \up0
\expndtw-1\charscalex100 89.61%\tab \up0 \expndtw-1\charscalex100 91.47%\par\par
d\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8055\tx9059\tx10217\tx11297 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (F/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24.02%\tab \u
p0 \expndtw-1\charscalex100 -0.60%\tab \up0 \expndtw-1\charscalex100 -48.53%\tab
\up0 \expndtw-1\charscalex100 19.47%\tab \up0 \expndtw-1\charscalex100 20.75%\p
ar\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense (
E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80.54%\tab
\up0 \expndtw-1\charscalex100 82.43%\tab \up0 \expndtw-1\charscalex100 77.33%\t
ab \up0 \expndtw-1\charscalex100 69.80%\tab \up0 \expndtw-1\charscalex100 94.91%
\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value p
er share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100
10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100
10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10383\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per
share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.5
7\tab \up0 \expndtw-1\charscalex100 -0.08\tab \up0 \expndtw-1\charscalex100 -4.1
8\tab \up0 \expndtw-1\charscalex100 2.59\tab \up0 \expndtw-1\charscalex100 2.62\
par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194
\tx6977\tx8117\tx9197\tx10277\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25.94%\tab \up0 \expndtw-1\cha
rscalex100 3.31%\tab \up0 \expndtw-1\charscalex100 3.01%\tab \up0 \expndtw-1\cha
rscalex100 7.17%\tab \up0 \expndtw-1\charscalex100 15.87%\par\pard\li900\sb106\s
l-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10217\tx11357 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.54%\tab \up0 \e
xpndtw-1\charscalex100 0.48%\tab \up0 \expndtw-1\charscalex100 0.92%\tab \up0 \e
xpndtw-1\charscalex100 23.25%\tab \up0 \expndtw-1\charscalex100 1.52%\par\pard\q
l \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx69
77\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 52.54%\tab \up0 \expndtw-1\charscalex100
71.80%\tab \up0 \expndtw-1\charscalex100 116.06%\tab \up0 \expndtw-1\charscalex
100 75.19%\tab \up0 \expndtw-1\charscalex100 79.34%\par\pard\ql \li944\sb98\sl-1
84\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash fl
ow ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx8163\tx9239\tx10383\tx
11463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash generated
from operating activities to net income (G4/F) (time)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1.68\tab \up0 \expndtw-1\charscalex100 19
.84\tab \up0 \expndtw-1\charscalex100 -0.19\tab \up0 \expndtw-1\charscalex100 0.
65\tab \up0 \expndtw-1\charscalex100 0.92\par\pard\ql \li6037\sb0\sl-161\slmult0
\par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \
par\pard\ql\li6037\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 108
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l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
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calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Asian Stocks Fund Limited\tab \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\s
lmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw
-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2
\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078
\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.T
otal equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 919,323\tab \up0 \expndtw-1\charscalex100 795,973\tab \up0 \expndtw-1\cha
rscalex100 488,553\tab \up0 \expndtw-1\charscalex100 634,569\tab \up0 \expndtw-1
\charscalex100 645,077\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx
9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 900,000\tab \up0 \expndtw-1\charscalex100 900,000\tab \up0 \expndt
w-1\charscalex100 900,000\tab \up0 \expndtw-1\charscalex100 900,000\tab \up0 \ex
pndtw-1\charscalex100 900,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\t
x8058\tx9090\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 105,902\tab \up0 \expndtw-1\charscalex100 17,795\tab \up0 \expndtw-1\charsca
lex100 (62,351)\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6930\tx7950\tx9030\tx10110\t

x11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropria

ted profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
(86,579)\tab \up0 \expndtw-1\charscalex100 (121,822)\tab \up0 \expndtw-1\charsca
lex100 (349,096)\tab \up0 \expndtw-1\charscalex100 (265,431)\tab \up0 \expndtw-1
\charscalex100 (254,923)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358
\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\t
ab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb
103\sl-184\slmult0\fi44\tx6978\tx8058\tx9213\tx10293\tx11373 \dn3 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49,171\tab \up0 \expndtw1\charscalex100 14,883\tab \up0 \expndtw-1\charscalex100 2,027\tab \up0 \expndtw
-1\charscalex100 5,160\tab \up0 \expndtw-1\charscalex100 2,545\par\pard\li900\sb
88\sl-161\slmult0\fi194\tx6978\tx8133\tx9303\tx10293\tx11373 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,436\tab \up0 \expndt
w-1\charscalex100 1,493\tab \up0 \expndtw-1\charscalex100 838\tab \up0 \expndtw1\charscalex100 1,050\tab \up0 \expndtw-1\charscalex100 1,089\par\pard\li900\sb1
06\sl-161\slmult0\fi194\tx6978\tx8058\tx9213\tx10293\tx11373 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 34,735\tab \up0 \expndtw-1\charscalex100 13,39
0\tab \up0 \expndtw-1\charscalex100 1,189\tab \up0 \expndtw-1\charscalex100 4,11
0\tab \up0 \expndtw-1\charscalex100 1,456\par\pard\li900\sb103\sl-184\slmult0\fi
44\tx6918\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 968,494\tab \up0 \expndtw-1\charscalex100 810,856\
tab \up0 \expndtw-1\charscalex100 490,580\tab \up0 \expndtw-1\charscalex100 639,
729\tab \up0 \expndtw-1\charscalex100 647,622\par\pard\li900\sb88\sl-161\slmult0
\fi194\tx6918\tx8058\tx9213\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 215,653\tab \up0 \expndtw-1\charscalex100 26,068\
tab \up0 \expndtw-1\charscalex100 2,805\tab \up0 \expndtw-1\charscalex100 97,700
\tab \up0 \expndtw-1\charscalex100 2,923\par\pard\li900\sb106\sl-161\slmult0\fi1
94\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 740,876\tab \up0 \expndtw-1\charscalex100 748,744\tab \up0 \ex
pndtw-1\charscalex100 485,037\tab \up0 \expndtw-1\charscalex100 536,162\tab \up0
\expndtw-1\charscalex100 635,911\par\pard\li900\sb108\sl-161\slmult0\fi194\tx69
78\tx8058\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 11,965\tab \up0 \expndtw-1\charscalex100 36,044\tab \up0 \expndtw-1\charsc
alex100 2,738\tab \up0 \expndtw-1\charscalex100 5,867\tab \up0 \expndtw-1\charsc
alex100 8,788\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx6978\tx8058\tx9030\tx10158\tx11238 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 96,251\tab \up0 \expndtw-1\charscalex100
35,503\tab \up0 \expndtw-1\charscalex100 (138,533)\tab \up0 \expndtw-1\charscale
x100 101,444\tab \up0 \expndtw-1\charscalex100 101,012\par\pard\li900\sb107\sl-1
61\slmult0\fi350\tx7278\tx8358\tx9438\tx10218\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0
\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 11,488\ta
b \up0 \expndtw-1\charscalex100 12,669\par\pard\li900\sb106\sl-161\slmult0\fi350
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 10,806\tab \up0 \expndtw-1\charscalex100 25,558\tab \up0 \ex
pndtw-1\charscalex100 22,062\tab \up0 \expndtw-1\charscalex100 15,503\tab \up0 \
expndtw-1\charscalex100 26,510\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\

tx8358\tx9438\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51

\f52\fs14 c.Income from future transactions\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8084\tx9030\tx1
0158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net g
ain on sale of investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 72,325\tab \up0 \expndtw-1\charscalex100 (2,050)\tab \up0 \expndtw-1\
charscalex100 (162,473)\tab \up0 \expndtw-1\charscalex100 116,881\tab \up0 \expn
dtw-1\charscalex100 42,745\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7278\tx83
58\tx9438\tx10170\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 e.Net unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 (42,429)\tab \up0 \
expndtw-1\charscalex100 19,065\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\
tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\p
ard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9213\tx10517\tx11537 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,120\tab \up0 \expndtw-1\
charscalex100 11,995\tab \up0 \expndtw-1\charscalex100 1,878\tab \up0 \expndtw-1
\charscalex100 1\tab \up0 \expndtw-1\charscalex100 23\par\pard\li900\sb103\sl-18
4\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 22,961\tab \up0 \expndtw-1\charscalex
100 25,732\tab \up0 \expndtw-1\charscalex100 77,166\tab \up0 \expndtw-1\charscal
ex100 20,354\tab \up0 \expndtw-1\charscalex100 17,330\par\pard\li900\sb87\sl-161
\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,436\tab \up0 \expndtw
-1\charscalex100 17,799\tab \up0 \expndtw-1\charscalex100 10,744\tab \up0 \expnd
tw-1\charscalex100 13,101\tab \up0 \expndtw-1\charscalex100 13,179\par\pard\li90
0\sb107\sl-161\slmult0\fi194\tx7277\tx8357\tx9303\tx10383\tx11463 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodi
ans\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \
expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 699\tab \up0 \expndt
w-1\charscalex100 656\tab \up0 \expndtw-1\charscalex100 601\par\pard\li900\sb107
\sl-161\slmult0\fi194\tx7277\tx8357\tx9437\tx10517\tx11463 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charsca
lex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0
\tab \up0 \expndtw-1\charscalex100 626\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7053\tx8133\tx9137\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Administrative and general expenses\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 2,982\tab \up0 \expndtw-1\charscalex100
4,616\tab \up0 \expndtw-1\charscalex100 65,490\tab \up0 \expndtw-1\charscalex100
6,580\tab \up0 \expndtw-1\charscalex100 2,924\par\pard\li900\sb107\sl-161\slmul
t0\fi194\tx7053\tx8133\tx9303\tx10457\tx11597 \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 5,543\tab \up0 \expndtw-1\charscalex100 3,317\tab \up0 \expndt
w-1\charscalex100 233\tab \up0 \expndtw-1\charscalex100 17\tab \up0 \expndtw-1\c
harscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6977\tx8133\tx9030\tx1
0217\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net i
ncome for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 73,290\tab \up0 \expndtw-1\charscalex100 9,771\tab \up0 \expndtw-1\cha
rscalex100 (215,699)\tab \up0 \expndtw-1\charscalex100 81,090\tab \up0 \expndtw1\charscalex100 83,682\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-

161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \up0 \expndtw-2\charscale

x100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 90,000\tab \up0 \expndtw-1\charscalex100 90,00
0\tab \up0 \expndtw-1\charscalex100 90,000\tab \up0 \expndtw-1\charscalex100 90,
000\tab \up0 \expndtw-1\charscalex100 90,000\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 8.20%\tab \up0 \
expndtw-1\charscalex100 6.60%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\t
x8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6917\tx
7950\tx9090\tx10217\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 205,375\tab \up0 \expndtw-1\charscalex100 (18
6,085)\tab \up0 \expndtw-1\charscalex100 (24,263)\tab \up0 \expndtw-1\charscalex
100 94,895\tab \up0 \expndtw-1\charscalex100 (94,777)\par\pard\li900\sb103\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Eff
iciency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6
977\tx8057\tx9063\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 88.77%\tab \up0 \expndtw-1\charscalex100 28.01%\tab \
up0 \expndtw-1\charscalex100 115.93%\tab \up0 \expndtw-1\charscalex100 73.39%\ta
b \up0 \expndtw-1\charscalex100 61.21%\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx69
77\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 76.14%\tab \up0 \expndtw-1\charscalex100 27.52%\ta
b \up0 \expndtw-1\charscalex100 155.70%\tab \up0 \expndtw-1\charscalex100 79.94%
\tab \up0 \expndtw-1\charscalex100 82.84%\par\pard\li900\sb107\sl-161\slmult0\fi
194\tx7037\tx8117\tx9059\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 7.57%\tab \up0 \expndtw-1\charscalex100 1.21
%\tab \up0 \expndtw-1\charscalex100 -43.97%\tab \up0 \expndtw-1\charscalex100 12
.68%\tab \up0 \expndtw-1\charscalex100 12.92%\par\pard\li900\sb107\sl-161\slmult
0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 62.87%\tab \up0 \expndtw-1\charscalex100 69
.17%\tab \up0 \expndtw-1\charscalex100 13.92%\tab \up0 \expndtw-1\charscalex100
64.37%\tab \up0 \expndtw-1\charscalex100 76.05%\par\pard\li900\sb106\sl-161\slmu
lt0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 6.Net assets value per share (A1/G1)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\charsc
alex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charsc
alex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\par\pard\li900\sb107\sl-16
1\slmult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.81\tab \up0 \expndtw-1\charscalex1
00 0.11\tab \up0 \expndtw-1\charscalex100 -2.40\tab \up0 \expndtw-1\charscalex10
0 0.90\tab \up0 \expndtw-1\charscalex100 0.93\par\pard\li900\sb103\sl-184\slmult
0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity r
atios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8117\tx9197\tx10217\tx11
357 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash eq

uivalent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu

b\cf56\f57\fs12 22.27%\tab \up0 \expndtw-1\charscalex100 3.21%\tab \up0 \expndtw
-1\charscalex100 0.57%\tab \up0 \expndtw-1\charscalex100 15.27%\tab \up0 \expndt
w-1\charscalex100 0.45%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\
tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 5.08%\tab \up0 \expndtw-1\charscalex100 1.84%\tab \
up0 \expndtw-1\charscalex100 0.41%\tab \up0 \expndtw-1\charscalex100 0.81%\tab \
up0 \expndtw-1\charscalex100 0.39%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /leverage ratios
\par\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx7983\tx9063\tx10143\tx11223 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Shareholders equity to
total assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 92.93%\tab \up0 \expndtw-1\charscalex100 110.99%\tab \up0 \expndtw-1\charsc
alex100 183.46%\tab \up0 \expndtw-1\charscalex100 140.68%\tab \up0 \expndtw-1\ch
arscalex100 138.97%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl
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100 \ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activities to ne
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7\fs12 2.80\tab \up0 \expndtw-1\charscalex100 -19.04\tab \up0 \expndtw-1\charsca
lex100 0.11\tab \up0 \expndtw-1\charscalex100 1.17\tab \up0 \expndtw-1\charscale
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\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb79\sl-161\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 109
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g118}{\bkmkend Pg118}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Atlas Fund of Funds\tab \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0
\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\cha
rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx101
58\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total e
quity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
646,274\tab \up0 \expndtw-1\charscalex100 592,196\tab \up0 \expndtw-1\charscale
x100 282,816\tab \up0 \expndtw-1\charscalex100 348,806\tab \up0 \expndtw-1\chars
calex100 472,946\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\t
x10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cer
tificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 525,000\tab \up0 \expndtw-1\charscalex100 525,000\tab \up0 \expndtw-1\ch
arscalex100 525,000\tab \up0 \expndtw-1\charscalex100 525,000\tab \up0 \expndtw1\charscalex100 525,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx8358\
tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12
1,274\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\ta
b \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\l
i900\sb107\sl-161\slmult0\fi194\tx7278\tx8058\tx9030\tx10110\tx11250 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit/loss\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndt
w-1\charscalex100 67,196\tab \up0 \expndtw-1\charscalex100 (242,184)\tab \up0 \e
xpndtw-1\charscalex100 (176,194)\tab \up0 \expndtw-1\charscalex100 (52,054)\par\
pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9255\tx10244\tx11250 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 (157)\tab \up0 \expndtw-1\charscalex100
(3,377)\tab \up0 \expndtw-1\charscalex100 (38,414)\par\pard\li900\sb103\sl-184\s
lmult0\fi44\tx6978\tx8133\tx9213\tx10293\tx11373 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 20,831\tab \up0 \expndtw-1\charscalex
100 8,298\tab \up0 \expndtw-1\charscalex100 2,506\tab \up0 \expndtw-1\charscalex
100 5,913\tab \up0 \expndtw-1\charscalex100 9,646\par\pard\li900\sb88\sl-161\slm
ult0\fi194\tx6978\tx8133\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,142\tab \up0 \expndtw-1\charscale
x100 2,314\tab \up0 \expndtw-1\charscalex100 690\tab \up0 \expndtw-1\charscalex1
00 551\tab \up0 \expndtw-1\charscalex100 679\par\pard\li900\sb106\sl-161\slmult0
\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 5,689\tab \up0 \expndtw-1\charscalex100 5,984\tab \up0 \expndtw
-1\charscalex100 1,816\tab \up0 \expndtw-1\charscalex100 5,362\tab \up0 \expndtw
-1\charscalex100 8,967\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918\tx7998\tx
9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
C.Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 667,105\tab \up0 \expndtw-1\charscalex100 600,494\tab \up0 \expndtw-1
\charscalex100 285,165\tab \up0 \expndtw-1\charscalex100 351,342\tab \up0 \expnd
tw-1\charscalex100 444,178\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 209,379\tab \up0 \expndtw-1\charscalex100 76,653\tab \up0 \expndtw-1

\charscalex100 55,973\tab \up0 \expndtw-1\charscalex100 34,072\tab \up0 \expndtw

-1\charscalex100 16,087\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\
tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
441,048\tab \up0 \expndtw-1\charscalex100 512,303\tab \up0 \expndtw-1\charscale
x100 226,189\tab \up0 \expndtw-1\charscalex100 306,439\tab \up0 \expndtw-1\chars
calex100 419,914\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6978\tx8058\tx9213\
tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Ot
hers\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,678\tab
\up0 \expndtw-1\charscalex100 11,538\tab \up0 \expndtw-1\charscalex100 3,003\tab
\up0 \expndtw-1\charscalex100 10,831\tab \up0 \expndtw-1\charscalex100 8,177\pa
r\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi
194\tx6918\tx8058\tx9030\tx10218\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 113,164\tab \up0 \expndtw-1\charscalex100 45,705\tab \up0
\expndtw-1\charscalex100 (258,159)\tab \up0 \expndtw-1\charscalex100 77,754\tab
\up0 \expndtw-1\charscalex100 147,383\par\pard\li900\sb107\sl-161\slmult0\fi350
\tx6978\tx8058\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 21,344\tab \up0 \expndtw-1\charscalex100 10,961\tab \
up0 \expndtw-1\charscalex100 5,813\tab \up0 \expndtw-1\charscalex100 3,166\tab \
up0 \expndtw-1\charscalex100 5,483\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6
978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 55,928\tab \up0 \expndtw-1\charscalex100 49,212\tab \up0 \expndt
w-1\charscalex100 18,348\tab \up0 \expndtw-1\charscalex100 12,944\tab \up0 \expn
dtw-1\charscalex100 38,110\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx83
58\tx9438\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 c.Income from future transactions\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsc
alex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx8133\tx9090\tx10293
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain
on sale of investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 6,219\tab \up0 \expndtw-1\charscalex100 9,327\tab \up0 \expndtw-1\charsca
lex100 (11,908)\tab \up0 \expndtw-1\charscalex100 5,848\tab \up0 \expndtw-1\char
scalex100 27,367\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8010\tx9030\
tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Ne
t unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 29,673\tab \up0 \expndtw-1\charscalex100 (23,795)\tab \up
0 \expndtw-1\charscalex100 (270,412)\tab \up0 \expndtw-1\charscalex100 55,002\ta
b \up0 \expndtw-1\charscalex100 66,914\par\pard\li900\sb107\sl-161\slmult0\fi350
\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10383\tx1137
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 794\tab \up0 \expndtw-1\charscalex100 9,509\par\pard\li900\sb103\sl-184
\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 16,799\tab \up0 \expndtw-1\charscalex1
00 17,784\tab \up0 \expndtw-1\charscalex100 11,847\tab \up0 \expndtw-1\charscale
x100 11,763\tab \up0 \expndtw-1\charscalex100 12,542\par\pard\li900\sb87\sl-161\
slmult0\fi194\tx6978\tx8058\tx9138\tx10293\tx11373 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,142\tab \up0 \expndtw-

1\charscalex100 14,303\tab \up0 \expndtw-1\charscalex100 10,136\tab \up0 \expndt

w-1\charscalex100 8,340\tab \up0 \expndtw-1\charscalex100 6,960\par\pard\li900\s
b107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodians
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 942\tab \up0 \e
xpndtw-1\charscalex100 958\tab \up0 \expndtw-1\charscalex100 629\tab \up0 \expnd
tw-1\charscalex100 636\tab \up0 \expndtw-1\charscalex100 740\par\pard\li900\sb10
7\sl-161\slmult0\fi194\tx7053\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,383\tab \up0 \expndtw-1\ch
arscalex100 839\tab \up0 \expndtw-1\charscalex100 160\tab \up0 \expndtw-1\charsc
alex100 175\tab \up0 \expndtw-1\charscalex100 227\par\pard\li900\sb106\sl-161\sl
mult0\fi194\tx7053\tx8133\tx9303\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 4.Administrative and general expenses\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,332\tab \up0 \expndtw-1\cha
rscalex100 1,684\tab \up0 \expndtw-1\charscalex100 922\tab \up0 \expndtw-1\chars
calex100 2,612\tab \up0 \expndtw-1\charscalex100 4,615\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\char
scalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9030\tx1021
8\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net inco
me for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 96,365\tab \up0 \expndtw-1\charscalex100 27,921\tab \up0 \expndtw-1\chars
calex100 (270,006)\tab \up0 \expndtw-1\charscalex100 65,991\tab \up0 \expndtw-1\
charscalex100 134,841\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-1
61\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 52,500\tab \up0 \expndtw-1\charscalex100 52,500
\tab \up0 \expndtw-1\charscalex100 52,500\tab \up0 \expndtw-1\charscalex100 52,5
00\tab \up0 \expndtw-1\charscalex100 52,500\par\pard\li900\sb107\sl-161\slmult0\
fi194\tx7008\tx8088\tx9168\tx10248\tx11253 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 2.20%\tab \up0 \e
xpndtw-1\charscalex100 15.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\t
x8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx
8058\tx9138\tx10170\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 132,912\tab \up0 \expndtw-1\charscalex100 34,
852\tab \up0 \expndtw-1\charscalex100 22,601\tab \up0 \expndtw-1\charscalex100 (
15,802)\tab \up0 \expndtw-1\charscalex100 20,977\par\pard\li900\sb103\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Efficien
cy ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\t
x7980\tx9063\tx10218\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 31.72%\tab \up0 \expndtw-1\charscalex100 -31.66%\tab \up0
\expndtw-1\charscalex100 109.36%\tab \up0 \expndtw-1\charscalex100 79.28%\tab \u
p0 \expndtw-1\charscalex100 70.42%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7
038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\t

x8058\tx9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\

f52\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 85.16%\tab \up0 \expndtw-1\charscalex100 61.09%\tab \u
p0 \expndtw-1\charscalex100 104.59%\tab \up0 \expndtw-1\charscalex100 84.87%\tab
\up0 \expndtw-1\charscalex100 91.49%\par\pard\li900\sb107\sl-161\slmult0\fi194\
tx6978\tx8118\tx9060\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 14.45%\tab \up0 \expndtw-1\charscalex100 4.65%\t
ab \up0 \expndtw-1\charscalex100 -94.68%\tab \up0 \expndtw-1\charscalex100 18.78
%\tab \up0 \expndtw-1\charscalex100 30.36%\par\pard\li900\sb107\sl-161\slmult0\f
i194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 78.23%\tab \up0 \expndtw-1\charscalex100 80.43
%\tab \up0 \expndtw-1\charscalex100 85.56%\tab \up0 \expndtw-1\charscalex100 70.
90%\tab \up0 \expndtw-1\charscalex100 55.49%\par\pard\li900\sb106\sl-161\slmult0
\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 6.Net assets value per share (A1/G1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\charscale
x100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscale
x100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1.84\tab \up0 \expndtw-1\charscalex100
0.53\tab \up0 \expndtw-1\charscalex100 -5.14\tab \up0 \expndtw-1\charscalex100 1
.26\tab \up0 \expndtw-1\charscalex100 2.57\par\pard\li900\sb103\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity rati
os\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10278\tx11358
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equiv
alent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 31.39%\tab \up0 \expndtw-1\charscalex100 12.76%\tab \up0 \expndtw-1
\charscalex100 19.63%\tab \up0 \expndtw-1\charscalex100 9.70%\tab \up0 \expndtw1\charscalex100 3.62%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7038\tx8118\tx
9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 3.12%\tab \up0 \expndtw-1\charscalex100 1.38%\tab \up
0 \expndtw-1\charscalex100 0.88%\tab \up0 \expndtw-1\charscalex100 1.68%\tab \up
0 \expndtw-1\charscalex100 2.17%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /leverage ratios \
par\pard\li900\sb97\sl-161\slmult0\fi0\tx6978\tx8058\tx9063\tx10143\tx11223 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Shareholders equity to t
otal assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 78.70%\tab \up0 \expndtw-1\charscalex100 87.43%\tab \up0 \expndtw-1\charscale
x100 184.10%\tab \up0 \expndtw-1\charscalex100 149.43%\tab \up0 \expndtw-1\chars
calex100 118.20%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl-16
1\slmult0\fi0\tx7143\tx8223\tx9240\tx10320\tx11463 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activities to net i
ncome (G4/F) (time)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 1.38\tab \up0 \expndtw-1\charscalex100 1.25\tab \up0 \expndtw-1\charscalex10
0 -0.08\tab \up0 \expndtw-1\charscalex100 -0.24\tab \up0 \expndtw-1\charscalex10
0 0.16\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slm
ult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb79\sl-161\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 110
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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g119}{\bkmkend Pg119}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 First Capital Mutual Fund Limited\tab \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\
sl-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0
\expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \e
xpndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 380,281\tab \up0 \expndtw-1\charscalex100 337,605\tab \up0 \expnd
tw-1\charscalex100 203,306\tab \up0 \expndtw-1\charscalex100 231,229\tab \up0 \e
xpndtw-1\charscalex100 257,219\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\t
x7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 300,000\tab \up0 \expndtw-1\charscalex100 300,000\tab \up0
\expndtw-1\charscalex100 300,000\tab \up0 \expndtw-1\charscalex100 300,000\tab
\up0 \expndtw-1\charscalex100 300,000\par\pard\li900\sb107\sl-161\slmult0\fi194\
tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9090\tx10170\tx11250 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit
/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80,281\tab
\up0 \expndtw-1\charscalex100 37,605\tab \up0 \expndtw-1\charscalex100 (96,694)
\tab \up0 \expndtw-1\charscalex100 (68,771)\tab \up0 \expndtw-1\charscalex100 (4

2,781)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx
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up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1
\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsca
lex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0
\fi44\tx6978\tx8058\tx9213\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 39,790\tab \up0 \expndtw-1\charscalex100 10
,964\tab \up0 \expndtw-1\charscalex100 6,952\tab \up0 \expndtw-1\charscalex100 1
3,857\tab \up0 \expndtw-1\charscalex100 16,081\par\pard\li900\sb88\sl-161\slmult
0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 6,773\tab \up0 \expndtw-1\charscalex100
7,436\tab \up0 \expndtw-1\charscalex100 4,144\tab \up0 \expndtw-1\charscalex100
4,879\tab \up0 \expndtw-1\charscalex100 5,009\par\pard\li900\sb106\sl-161\slmul
t0\fi194\tx6978\tx8133\tx9213\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 33,017\tab \up0 \expndtw-1\charscalex100 3,528\tab \up0 \expn
dtw-1\charscalex100 2,808\tab \up0 \expndtw-1\charscalex100 8,978\tab \up0 \expn
dtw-1\charscalex100 11,072\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 420,071\tab \up0 \expndtw-1\charscalex100 348,569\tab \up0 \expnd
tw-1\charscalex100 210,258\tab \up0 \expndtw-1\charscalex100 245,086\tab \up0 \e
xpndtw-1\charscalex100 273,300\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\t
x8133\tx9213\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 50,813\tab \up0 \expndtw-1\charscalex100 8,752\tab \up0 \expndtw
-1\charscalex100 7,954\tab \up0 \expndtw-1\charscalex100 70,443\tab \up0 \expndt
w-1\charscalex100 36,187\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 352,440\tab \up0 \expndtw-1\charscalex100 336,537\tab \up0 \expndtw-1\charscal
ex100 195,890\tab \up0 \expndtw-1\charscalex100 172,919\tab \up0 \expndtw-1\char
scalex100 232,307\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6978\tx8133\tx9213
\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.O
thers\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,818\tab
\up0 \expndtw-1\charscalex100 3,280\tab \up0 \expndtw-1\charscalex100 6,414\tab
\up0 \expndtw-1\charscalex100 1,724\tab \up0 \expndtw-1\charscalex100 4,806\par
\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx6918\tx8010\tx9030\tx10218\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 125,582\tab \up0 \expndtw-1\charscalex100 (30,743)\tab \up
0 \expndtw-1\charscalex100 (126,751)\tab \up0 \expndtw-1\charscalex100 42,193\ta
b \up0 \expndtw-1\charscalex100 42,219\par\pard\li900\sb107\sl-161\slmult0\fi350
\tx7278\tx8358\tx9213\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expnd
tw-1\charscalex100 1,365\tab \up0 \expndtw-1\charscalex100 3,981\tab \up0 \expnd
tw-1\charscalex100 10,231\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 10,738\tab \up0 \expndtw-1\charscalex100 13,650\tab \up0 \expndtw-1\chars
calex100 13,090\tab \up0 \expndtw-1\charscalex100 10,125\tab \up0 \expndtw-1\cha
rscalex100 12,126\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438
\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.I
ncome from future transactions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsca
lex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0

\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9090\tx10218\tx11298
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f investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 52
,949\tab \up0 \expndtw-1\charscalex100 23,516\tab \up0 \expndtw-1\charscalex100
(98,205)\tab \up0 \expndtw-1\charscalex100 37,839\tab \up0 \expndtw-1\charscalex
100 21,975\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8010\tx9090\tx1024
4\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Net unre
alized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 58,493\tab \up0 \expndtw-1\charscalex100 (71,012)\tab \up0 \exp
ndtw-1\charscalex100 (43,001)\tab \up0 \expndtw-1\charscalex100 (9,752)\tab \up0
\expndtw-1\charscalex100 (2,692)\par\pard\li900\sb107\sl-161\slmult0\fi350\tx72
78\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\pa
r\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx8133\tx9437\tx10517\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,402\tab \up0 \expndtw1\charscalex100 3,103\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\tab \up0 \expndtw-1\charscalex100 579\par\pard\li900\sb103\sl-184\
slmult0\fi44\tx6977\tx8057\tx9213\tx10217\tx11297 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 11,183\tab \up0 \expndtw-1\charscalex10
0 10,847\tab \up0 \expndtw-1\charscalex100 7,070\tab \up0 \expndtw-1\charscalex1
00 13,257\tab \up0 \expndtw-1\charscalex100 13,486\par\pard\li900\sb87\sl-161\sl
mult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,773\tab \up0 \expndtw-1\c
harscalex100 7,436\tab \up0 \expndtw-1\charscalex100 4,144\tab \up0 \expndtw-1\c
harscalex100 4,879\tab \up0 \expndtw-1\charscalex100 5,009\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10293\tx11373 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodians\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 213\tab \up0 \expndt
w-1\charscalex100 406\tab \up0 \expndtw-1\charscalex100 364\tab \up0 \expndtw-1\
charscalex100 1,444\tab \up0 \expndtw-1\charscalex100 1,465\par\pard\li900\sb107
\sl-161\slmult0\fi194\tx7277\tx8357\tx9437\tx10517\tx11463 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charsca
lex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0
\tab \up0 \expndtw-1\charscalex100 461\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7277\tx8357\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
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scalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\ta
b \up0 \expndtw-1\charscalex100 2,562\tab \up0 \expndtw-1\charscalex100 6,934\ta
b \up0 \expndtw-1\charscalex100 6,551\par\pard\li900\sb107\sl-161\slmult0\fi194\
tx7053\tx8133\tx9437\tx10517\tx11597 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 4,197\tab \up0 \expndtw-1\charscalex100 3,005\tab \up0 \expndtw-1\chars
calex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6917\tx8010\tx9030\tx10217\tx11297
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net income for th
e year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11
4,399\tab \up0 \expndtw-1\charscalex100 (41,590)\tab \up0 \expndtw-1\charscalex1
00 (133,821)\tab \up0 \expndtw-1\charscalex100 28,936\tab \up0 \expndtw-1\charsc
alex100 28,733\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-161\slmu
lt0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 30,000\tab \up0 \expndtw-1\charscalex100 35,000\tab \u
p0 \expndtw-1\charscalex100 30,000\tab \up0 \expndtw-1\charscalex100 30,000\tab

\up0 \expndtw-1\charscalex100 30,000\par\pard\li900\sb107\sl-161\slmult0\fi194\t

x7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx
9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1
\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1
\charscalex100 0.00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6930\tx8010\tx9
030\tx10217\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 (75,993)\tab \up0 \expndtw-1\charscalex100 (12,043)\t
ab \up0 \expndtw-1\charscalex100 (797,303)\tab \up0 \expndtw-1\charscalex100 62,
488\tab \up0 \expndtw-1\charscalex100 (34,256)\par\pard\li900\sb103\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Efficiency
ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx7
983\tx9063\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 91.45%\tab \up0 \expndtw-1\charscalex100 144.40%\tab \up0 \e
xpndtw-1\charscalex100 111.40%\tab \up0 \expndtw-1\charscalex100 66.57%\tab \up0
\expndtw-1\charscalex100 47.05%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx703
7\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx7
983\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 91.10%\tab \up0 \expndtw-1\charscalex100 135.28%\tab \up
0 \expndtw-1\charscalex100 105.58%\tab \up0 \expndtw-1\charscalex100 68.58%\tab
\up0 \expndtw-1\charscalex100 68.06%\par\pard\li900\sb107\sl-161\slmult0\fi194\t
x6977\tx7979\tx9059\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 27.23%\tab \up0 \expndtw-1\charscalex100 -11.93%\
tab \up0 \expndtw-1\charscalex100 -63.65%\tab \up0 \expndtw-1\charscalex100 11.8
1%\tab \up0 \expndtw-1\charscalex100 10.51%\par\pard\li900\sb107\sl-161\slmult0\
fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 60.57%\tab \up0 \expndtw-1\charscalex100 68.5
5%\tab \up0 \expndtw-1\charscalex100 58.61%\tab \up0 \expndtw-1\charscalex100 36
.80%\tab \up0 \expndtw-1\charscalex100 37.14%\par\pard\li900\sb106\sl-161\slmult
0\fi194\tx7083\tx8223\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 6.Net assets value per share (A1/G1)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\charscal
ex100 8.57\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscale
x100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx7143\tx8159\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 3.81\tab \up0 \expndtw-1\charscalex100
-1.19\tab \up0 \expndtw-1\charscalex100 -4.46\tab \up0 \expndtw-1\charscalex100
0.96\tab \up0 \expndtw-1\charscalex100 0.96\par\pard\li900\sb103\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity rat
ios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8117\tx9197\tx10217\tx1129
7 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equi
valent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 12.10%\tab \up0 \expndtw-1\charscalex100 2.51%\tab \up0 \expndtw-1
\charscalex100 3.78%\tab \up0 \expndtw-1\charscalex100 28.74%\tab \up0 \expndtw1\charscalex100 13.24%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\t

x9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1

4 2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 9.47%\tab \up0 \expndtw-1\charscalex100 3.15%\tab \u
p0 \expndtw-1\charscalex100 3.31%\tab \up0 \expndtw-1\charscalex100 5.65%\tab \u
p0 \expndtw-1\charscalex100 5.88%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /leverage ratios
\par\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx8057\tx9063\tx10143\tx11223 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Shareholders equity to
total assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 71.42%\tab \up0 \expndtw-1\charscalex100 86.07%\tab \up0 \expndtw-1\charscal
ex100 142.68%\tab \up0 \expndtw-1\charscalex100 122.41%\tab \up0 \expndtw-1\char
scalex100 109.77%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl-1
61\slmult0\fi0\tx7079\tx8223\tx9303\tx10383\tx11399 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activities to net
income (G4/F) (time)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 -0.66\tab \up0 \expndtw-1\charscalex100 0.29\tab \up0 \expndtw-1\charscalex
100 5.96\tab \up0 \expndtw-1\charscalex100 2.16\tab \up0 \expndtw-1\charscalex10
0 -1.19\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\sl
mult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb79\sl-161\slm
ult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 111
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g120}{\bkmkend Pg120}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
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calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa

r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 First Dawood Mutual Fund\tab \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\sl
mult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\
charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\
tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.To
tal equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 774,995\tab \up0 \expndtw-1\charscalex100 752,467\tab \up0 \expndtw-1\char
scalex100 520,984\tab \up0 \expndtw-1\charscalex100 484,679\tab \up0 \expndtw-1\
charscalex100 549,713\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9
078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 580,750\tab \up0 \expndtw-1\charscalex100 580,750\tab \up0 \expndtw
-1\charscalex100 580,750\tab \up0 \expndtw-1\charscalex100 580,750\tab \up0 \exp
ndtw-1\charscalex100 580,750\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7278\tx
8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li
900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9090\tx10170\tx11250 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit/loss\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 194,245\tab \up0 \e
xpndtw-1\charscalex100 171,717\tab \up0 \expndtw-1\charscalex100 (59,766)\tab \u
p0 \expndtw-1\charscalex100 (96,071)\tab \up0 \expndtw-1\charscalex100 (31,037)\
par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charsc
alex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\t
x6978\tx8133\tx9213\tx10293\tx11373 \dn3 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 24,707\tab \up0 \expndtw-1\charscalex100 6,590\tab
\up0 \expndtw-1\charscalex100 4,115\tab \up0 \expndtw-1\charscalex100 2,675\tab
\up0 \expndtw-1\charscalex100 4,194\par\pard\li900\sb88\sl-161\slmult0\fi194\tx
6978\tx8133\tx9213\tx10158\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 19,357\tab \up0 \expndtw-1\charscalex100 1,830\ta
b \up0 \expndtw-1\charscalex100 1,289\tab \up0 \expndtw-1\charscalex100 768,377\
tab \up0 \expndtw-1\charscalex100 935\par\pard\li900\sb106\sl-161\slmult0\fi194\
tx7053\tx8133\tx9213\tx10110\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 5,350\tab \up0 \expndtw-1\charscalex100 4,760\tab \up0 \expndtw-1\char
scalex100 2,826\tab \up0 \expndtw-1\charscalex100 (765,702)\tab \up0 \expndtw-1\
charscalex100 3,259\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918\tx7998\tx907
8\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.
Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 799,702\tab \up0 \expndtw-1\charscalex100 759,057\tab \up0 \expndtw-1\ch
arscalex100 525,099\tab \up0 \expndtw-1\charscalex100 487,354\tab \up0 \expndtw1\charscalex100 553,907\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\t
x9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 15,515\tab \up0 \expndtw-1\charscalex100 35,295\tab \up0 \expndtw-1\cha
rscalex100 25,610\tab \up0 \expndtw-1\charscalex100 57,811\tab \up0 \expndtw-1\c
harscalex100 26,310\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx90
78\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 567

,280\tab \up0 \expndtw-1\charscalex100 709,017\tab \up0 \expndtw-1\charscalex100

473,076\tab \up0 \expndtw-1\charscalex100 413,327\tab \up0 \expndtw-1\charscale
x100 515,057\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 216,907\tab \up
0 \expndtw-1\charscalex100 14,745\tab \up0 \expndtw-1\charscalex100 26,413\tab \
up0 \expndtw-1\charscalex100 16,216\tab \up0 \expndtw-1\charscalex100 12,540\par
\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx6918\tx8058\tx9030\tx10170\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 182,408\tab \up0 \expndtw-1\charscalex100 67,386\tab \up0
\expndtw-1\charscalex100 (198,915)\tab \up0 \expndtw-1\charscalex100 (17,159)\ta
b \up0 \expndtw-1\charscalex100 80,291\par\pard\li900\sb107\sl-161\slmult0\fi350
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 17,153\tab \up0 \expndtw-1\charscalex100 19,903\tab \
up0 \expndtw-1\charscalex100 39,950\tab \up0 \expndtw-1\charscalex100 35,148\tab
\up0 \expndtw-1\charscalex100 31,016\par\pard\li900\sb106\sl-161\slmult0\fi350\
tx6978\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 14,300\tab \up0 \expndtw-1\charscalex100 12,421\tab \up0 \exp
ndtw-1\charscalex100 11,167\tab \up0 \expndtw-1\charscalex100 11,924\tab \up0 \e
xpndtw-1\charscalex100 9,222\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx
8358\tx9438\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 c.Income from future transactions\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\char
scalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx102
18\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gai
n on sale of investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 10,144\tab \up0 \expndtw-1\charscalex100 (4
,144)\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx7950\tx9030\tx10170\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Net unrealize
d gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 94,774\tab \up0 \expndtw-1\charscalex100 (105,574)\tab \up0 \expndtw
-1\charscalex100 (122,098)\tab \up0 \expndtw-1\charscalex100 (74,375)\tab \up0 \
expndtw-1\charscalex100 44,197\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\
tx7998\tx9030\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 42,121\tab \up0 \expndtw-1\charscalex100 130,808\tab \up0 \expndtw-1\ch
arscalex100 (127,934)\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8133\tx9437\tx1
0517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other
income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,060\t
ab \up0 \expndtw-1\charscalex100 9,828\tab \up0 \expndtw-1\charscalex100 0\tab \
up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li90
0\sb103\sl-184\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25,514\tab \up0 \expndtw
-1\charscalex100 31,839\tab \up0 \expndtw-1\charscalex100 20,953\tab \up0 \expnd
tw-1\charscalex100 19,147\tab \up0 \expndtw-1\charscalex100 15,257\par\pard\li90
0\sb87\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-adv
isor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,357\tab
\up0 \expndtw-1\charscalex100 24,113\tab \up0 \expndtw-1\charscalex100 17,389\ta
b \up0 \expndtw-1\charscalex100 13,613\tab \up0 \expndtw-1\charscalex100 10,753\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8133\tx9303\tx10383\tx11463 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to tru

stees/custodians\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12

990\tab \up0 \expndtw-1\charscalex100 1,118\tab \up0 \expndtw-1\charscalex100 9
39\tab \up0 \expndtw-1\charscalex100 890\tab \up0 \expndtw-1\charscalex100 903\p
ar\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11463 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission
/fee\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,672\tab
\up0 \expndtw-1\charscalex100 4,940\tab \up0 \expndtw-1\charscalex100 1,415\tab
\up0 \expndtw-1\charscalex100 3,198\tab \up0 \expndtw-1\charscalex100 788\par\pa
rd\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and genera
l expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,495
\tab \up0 \expndtw-1\charscalex100 1,668\tab \up0 \expndtw-1\charscalex100 1,210
\tab \up0 \expndtw-1\charscalex100 1,446\tab \up0 \expndtw-1\charscalex100 2,813
\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7277\tx8357\tx9437\tx10517\tx11597
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charsc
alex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\t
x6917\tx8057\tx9030\tx10170\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 156,894\tab \up0 \expndtw-1\charscalex100 35,54
7\tab \up0 \expndtw-1\charscalex100 (219,868)\tab \up0 \expndtw-1\charscalex100
(36,306)\tab \up0 \expndtw-1\charscalex100 65,034\par\pard\li900\sb83\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other it
ems\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx1129
7 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 58,075\tab \up0 \ex
pndtw-1\charscalex100 58,075\tab \up0 \expndtw-1\charscalex100 58,075\tab \up0 \
expndtw-1\charscalex100 58,075\tab \up0 \expndtw-1\charscalex100 58,075\par\pard
\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 3.30%\par\pard\li900\sb107\sl
-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\char
scalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\char
scalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb106\sl161\slmult0\fi194\tx6930\tx8133\tx9164\tx10217\tx11250 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (18,939)\tab \up0
\expndtw-1\charscalex100 9,435\tab \up0 \expndtw-1\charscalex100 (9,684)\tab \up
0 \expndtw-1\charscalex100 32,200\tab \up0 \expndtw-1\charscalex100 (31,501)\par
\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10143\tx11297 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 82.76%\tab \up0 \expndtw-1\cha
rscalex100 52.03%\tab \up0 \expndtw-1\charscalex100 125.70%\tab \up0 \expndtw-1\
charscalex100 374.33%\tab \up0 \expndtw-1\charscalex100 49.88%\par\pard\li900\sb
106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\s
l-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10143\tx11297 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 86.01%\tab \up0 \expndtw-1
\charscalex100 52.75%\tab \up0 \expndtw-1\charscalex100 110.53%\tab \up0 \expndt

w-1\charscalex100 211.59%\tab \up0 \expndtw-1\charscalex100 81.00%\par\pard\li90

0\sb107\sl-161\slmult0\fi194\tx6977\tx8117\tx9059\tx10215\tx11297 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.62%\tab \up0 \ex
pndtw-1\charscalex100 4.68%\tab \up0 \expndtw-1\charscalex100 -41.87%\tab \up0 \
expndtw-1\charscalex100 -7.45%\tab \up0 \expndtw-1\charscalex100 11.74%\par\pard
\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense (E1/E)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.87%\tab \up0 \
expndtw-1\charscalex100 75.73%\tab \up0 \expndtw-1\charscalex100 82.99%\tab \up0
\expndtw-1\charscalex100 71.10%\tab \up0 \expndtw-1\charscalex100 70.48%\par\pa
rd\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value per shar
e (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00\
tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\
tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10319\tx11463 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (
F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.70\tab \
up0 \expndtw-1\charscalex100 0.61\tab \up0 \expndtw-1\charscalex100 -3.79\tab \u
p0 \expndtw-1\charscalex100 -0.63\tab \up0 \expndtw-1\charscalex100 1.12\par\par
d\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7037
\tx8117\tx9197\tx10217\tx11357 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 1.94%\tab \up0 \expndtw-1\charscalex1
00 4.65%\tab \up0 \expndtw-1\charscalex100 4.88%\tab \up0 \expndtw-1\charscalex1
00 11.86%\tab \up0 \expndtw-1\charscalex100 4.75%\par\pard\li900\sb106\sl-161\sl
mult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.09%\tab \up0 \expndtw-1
\charscalex100 0.87%\tab \up0 \expndtw-1\charscalex100 0.78%\tab \up0 \expndtw-1
\charscalex100 0.55%\tab \up0 \expndtw-1\charscalex100 0.76%\par\pard\ql \li944\
sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx8057
\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 Shareholders equity to total assets (A1/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 72.62%\tab \up0 \expndtw-1\charscalex100 76.51%\t
ab \up0 \expndtw-1\charscalex100 110.60%\tab \up0 \expndtw-1\charscalex100 119.1
6%\tab \up0 \expndtw-1\charscalex100 104.85%\par\pard\ql \li944\sb98\sl-184\slmu
lt0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow rati
o \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7079\tx8223\tx9303\tx10319\tx11399 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash generated from o
perating activities to net income (G4/F) (time)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 -0.12\tab \up0 \expndtw-1\charscalex100 0.27\tab
\up0 \expndtw-1\charscalex100 0.04\tab \up0 \expndtw-1\charscalex100 -0.89\tab
\up0 \expndtw-1\charscalex100 -0.48\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\
pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pa
rd\ql\li6037\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 112
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13\tx7893\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\c
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\up0 \expndtw-1\charscalex100 831,434\tab \up0 \expndtw-1\charscalex100 968,463
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993\tab \up0 \expndtw-1\charscalex100 760,492\tab \up0 \expndtw-1\charscalex100
760,492\tab \up0 \expndtw-1\charscalex100 760,492\par\pard\li900\sb107\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 35,093\tab \up0 \expndtw-1\charscalex100 21,499\tab \up0
\expndtw-1\charscalex100 9,751\tab \up0 \expndtw-1\charscalex100 6,175\tab \up0
\expndtw-1\charscalex100 6,733\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918
\tx7998\tx9138\tx10158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 658,893\tab \up0 \expndtw-1\charscalex100 540,449\tab \u
p0 \expndtw-1\charscalex100 61,191\tab \up0 \expndtw-1\charscalex100 201,796\tab
\up0 \expndtw-1\charscalex100 195,843\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5

6\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex1

00 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par
\pard\li900\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3
\expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 +
B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41,876\tab
\up0 \expndtw-1\charscalex100 34,883\tab \up0 \expndtw-1\charscalex100 13,663\ta
b \up0 \expndtw-1\charscalex100 13,611\tab \up0 \expndtw-1\charscalex100 49,883\
par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10293\tx11373 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to investmen
t advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,913
\tab \up0 \expndtw-1\charscalex100 2,086\tab \up0 \expndtw-1\charscalex100 1,575
\tab \up0 \expndtw-1\charscalex100 2,095\tab \up0 \expndtw-1\charscalex100 2,161
\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,963\tab \up0 \expndtw-1\
charscalex100 32,797\tab \up0 \expndtw-1\charscalex100 12,088\tab \up0 \expndtw1\charscalex100 11,516\tab \up0 \expndtw-1\charscalex100 47,722\par\pard\li900\s
b103\sl-184\slmult0\fi44\tx6813\tx7893\tx9078\tx10158\tx11133 \dn3 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,350,401\tab \up0 \expndtw1\charscalex100 1,272,824\tab \up0 \expndtw-1\charscalex100 845,097\tab \up0 \ex
pndtw-1\charscalex100 982,074\tab \up0 \expndtw-1\charscalex100 1,012,951\par\pa
rd\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9078\tx10293\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balances\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 92,707\tab \up0 \expn
dtw-1\charscalex100 56,208\tab \up0 \expndtw-1\charscalex100 280,115\tab \up0 \e
xpndtw-1\charscalex100 9,898\tab \up0 \expndtw-1\charscalex100 10,047\par\pard\l
i900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx9078\tx10158\tx11238 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,237,709\tab \up0 \expndtw-1\cha
rscalex100 1,203,832\tab \up0 \expndtw-1\charscalex100 545,849\tab \up0 \expndtw
-1\charscalex100 968,766\tab \up0 \expndtw-1\charscalex100 936,117\par\pard\li90
0\sb108\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10293\tx11298 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 19,985\tab \up0 \expndtw-1\charscalex100
12,784\tab \up0 \expndtw-1\charscalex100 19,133\tab \up0 \expndtw-1\charscalex10
0 3,410\tab \up0 \expndtw-1\charscalex100 66,787\par\pard\li900\sb102\sl-184\slm
ult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit &
loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx8058\tx9030\tx10
158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income
(a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 447,57
1\tab \up0 \expndtw-1\charscalex100 70,037\tab \up0 \expndtw-1\charscalex100 (37
4,128)\tab \up0 \expndtw-1\charscalex100 179,751\tab \up0 \expndtw-1\charscalex1
00 150,680\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx1021
8\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/i
nterest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
5,484\tab \up0 \expndtw-1\charscalex100 14,242\tab \up0 \expndtw-1\charscalex100
29,419\tab \up0 \expndtw-1\charscalex100 25,792\tab \up0 \expndtw-1\charscalex1
00 8,422\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Dividend i
ncome\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39,227\tab
\up0 \expndtw-1\charscalex100 48,723\tab \up0 \expndtw-1\charscalex100 39,639\t
ab \up0 \expndtw-1\charscalex100 43,545\tab \up0 \expndtw-1\charscalex100 48,649
\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future
transactions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\
tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\s
b107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain on sale of investments\tab

\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw

-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb106\sl-161\slmul
t0\fi350\tx6918\tx7998\tx9030\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 e.Net unrealized gain/(loss) on investment\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 168,326\tab \up0 \expndtw-1
\charscalex100 112,428\tab \up0 \expndtw-1\charscalex100 (238,469)\tab \up0 \exp
ndtw-1\charscalex100 (64,499)\tab \up0 \expndtw-1\charscalex100 (10,459)\par\par
d\li900\sb107\sl-161\slmult0\fi350\tx6918\tx7950\tx9030\tx10158\tx11238 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 224,464\tab \up0 \expndtw-1\c
harscalex100 (105,356)\tab \up0 \expndtw-1\charscalex100 (207,810)\tab \up0 \exp
ndtw-1\charscalex100 174,913\tab \up0 \expndtw-1\charscalex100 102,727\par\pard\
li900\sb107\sl-161\slmult0\fi350\tx7218\tx8358\tx9213\tx10517\tx11373 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 70\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 3,093\tab \up0 \expndtw-1\charscalex10
0 0\tab \up0 \expndtw-1\charscalex100 1,341\par\pard\li900\sb103\sl-184\slmult0\
fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 31,136\tab \up0 \expndtw-1\charscalex100 34,846
\tab \up0 \expndtw-1\charscalex100 20,631\tab \up0 \expndtw-1\charscalex100 39,1
46\tab \up0 \expndtw-1\charscalex100 27,349\par\pard\li900\sb87\sl-161\slmult0\f
i194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,913\tab \up0 \expndtw-1\charsca
lex100 25,768\tab \up0 \expndtw-1\charscalex100 16,560\tab \up0 \expndtw-1\chars
calex100 20,095\tab \up0 \expndtw-1\charscalex100 19,661\par\pard\li900\sb107\sl
-161\slmult0\fi194\tx7277\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodians\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\
charscalex100 812\tab \up0 \expndtw-1\charscalex100 465\tab \up0 \expndtw-1\char
scalex100 705\tab \up0 \expndtw-1\charscalex100 590\par\pard\li900\sb107\sl-161\
slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 7,586\tab \up0 \expndtw-1\charscalex1
00 6,206\tab \up0 \expndtw-1\charscalex100 1,753\tab \up0 \expndtw-1\charscalex1
00 5,491\tab \up0 \expndtw-1\charscalex100 1,636\par\pard\li900\sb106\sl-161\slm
ult0\fi194\tx7053\tx8133\tx9213\tx10217\tx11373 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 4.Administrative and general expenses\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,101\tab \up0 \expndtw-1\char
scalex100 2,060\tab \up0 \expndtw-1\charscalex100 1,853\tab \up0 \expndtw-1\char
scalex100 12,855\tab \up0 \expndtw-1\charscalex100 5,462\par\pard\li900\sb107\sl
-161\slmult0\fi194\tx7143\tx8357\tx9437\tx10517\tx11597 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 536\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \ex
pndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\
charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6917\tx8057\tx9030\tx
10157\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net
income for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 416,435\tab \up0 \expndtw-1\charscalex100 35,191\tab \up0 \expndtw-1\
charscalex100 (394,759)\tab \up0 \expndtw-1\charscalex100 140,605\tab \up0 \expn
dtw-1\charscalex100 123,331\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \expndt
w-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\par\pard\li900\sb8
8\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 122,908\tab \up0 \expndtw-1\charscalex100
122,907\tab \up0 \expndtw-1\charscalex100 152,098\tab \up0 \expndtw-1\charscale
x100 152,098\tab \up0 \expndtw-1\charscalex100 152,098\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11253 \dn2 \expndtw-2\charscalex

100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex

100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 15.00%\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\
tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb106\sl-161\slmult0\fi19
4\tx6917\tx8057\tx9077\tx10110\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 111,243\tab \up0 \expndtw-1\charsc
alex100 54,851\tab \up0 \expndtw-1\charscalex100 234,138\tab \up0 \expndtw-1\cha
rscalex100 (280,172)\tab \up0 \expndtw-1\charscalex100 127,864\par\pard\li900\sb
103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 H.Efficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\
fi194\tx6977\tx8057\tx9063\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 87.78%\tab \up0 \expndtw-1\charscalex100 10.
10%\tab \up0 \expndtw-1\charscalex100 118.46%\tab \up0 \expndtw-1\charscalex100
61.43%\tab \up0 \expndtw-1\charscalex100 62.12%\par\pard\li900\sb106\sl-161\slmu
lt0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.0
0%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.0
0%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\f
i194\tx6977\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 93.04%\tab \up0 \expndtw-1\charscalex100
50.25%\tab \up0 \expndtw-1\charscalex100 105.51%\tab \up0 \expndtw-1\charscalex1
00 78.22%\tab \up0 \expndtw-1\charscalex100 81.85%\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx6977\tx8117\tx9059\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30.84%\tab \up0 \expndtw-1\charscal
ex100 2.76%\tab \up0 \expndtw-1\charscalex100 -46.71%\tab \up0 \expndtw-1\charsc
alex100 14.32%\tab \up0 \expndtw-1\charscalex100 12.18%\par\pard\li900\sb107\sl161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 67.17%\tab \up0 \expndtw-1\charsc
alex100 73.95%\tab \up0 \expndtw-1\charscalex100 80.27%\tab \up0 \expndtw-1\char
scalex100 51.33%\tab \up0 \expndtw-1\charscalex100 71.89%\par\pard\li900\sb106\s
l-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value per share (A1/G1)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.00\tab \up0 \expndtw
-1\charscalex100 5.50\tab \up0 \expndtw-1\charscalex100 5.00\tab \up0 \expndtw-1
\charscalex100 5.00\tab \up0 \expndtw-1\charscalex100 5.00\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7143\tx8223\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.39\tab \up0 \expndtw-1\charsc
alex100 0.29\tab \up0 \expndtw-1\charscalex100 -2.60\tab \up0 \expndtw-1\charsca
lex100 0.92\tab \up0 \expndtw-1\charscalex100 0.81\par\pard\li900\sb103\sl-184\s
lmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquid
ity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7037\tx8117\tx9137\tx10277
\tx11357 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & ca
sh equivalent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 6.87%\tab \up0 \expndtw-1\charscalex100 4.42%\tab \up0 \exp
ndtw-1\charscalex100 33.15%\tab \up0 \expndtw-1\charscalex100 1.01%\tab \up0 \ex
pndtw-1\charscalex100 0.99%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8
117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex1

00 \ul0\nosupersub\cf56\f57\fs12 3.10%\tab \up0 \expndtw-1\charscalex100 2.74%\t

ab \up0 \expndtw-1\charscalex100 1.62%\tab \up0 \expndtw-1\charscalex100 1.39%\t
ab \up0 \expndtw-1\charscalex100 4.92%\par\pard\ql \li944\sb94\sl-184\slmult0 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /leverage ra
tios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx8057\tx9137\tx10217\tx1129
7 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Shareholders equit
y to total assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 45.51%\tab \up0 \expndtw-1\charscalex100 53.11%\tab \up0 \expndtw-1\cha
rscalex100 89.99%\tab \up0 \expndtw-1\charscalex100 77.44%\tab \up0 \expndtw-1\c
harscalex100 75.08%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl
-161\slmult0\fi0\tx7143\tx8223\tx9239\tx10319\tx11463 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activities to ne
t income (G4/F) (time)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 0.27\tab \up0 \expndtw-1\charscalex100 1.56\tab \up0 \expndtw-1\charscale
x100 -0.59\tab \up0 \expndtw-1\charscalex100 -1.99\tab \up0 \expndtw-1\charscale
x100 1.04\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\
slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb79\sl-161\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 113
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g122}{\bkmkend Pg122}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\

nosupersub\cf57\f58\fs24 JS Growth Fund\tab \up0 \expndtw-2\charscalex100 \ul0\n

osupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90
\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f
55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscal
ex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex
100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,91
1,986\tab \up0 \expndtw-1\charscalex100 5,174,398\tab \up0 \expndtw-1\charscalex
100 2,892,841\tab \up0 \expndtw-1\charscalex100 2,760,140\tab \up0 \expndtw-1\ch
arscalex100 3,180,705\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx8
973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 3,180,045\tab \up0 \expndtw-1\charscalex100 3,180,044\tab \up0 \exp
ndtw-1\charscalex100 3,180,044\tab \up0 \expndtw-1\charscalex100 3,180,044\tab \
up0 \expndtw-1\charscalex100 3,180,044\par\pard\li900\sb107\sl-161\slmult0\fi194
\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 506,438\tab \up0 \expndtw-1\charscalex100 506,438\tab \up0 \expndtw
-1\charscalex100 506,438\tab \up0 \expndtw-1\charscalex100 506,438\tab \up0 \exp
ndtw-1\charscalex100 506,438\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6813\tx
7893\tx9030\tx10110\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 2,225,503\tab \up0 \expndtw-1\charscalex100 1,487,916\tab \
up0 \expndtw-1\charscalex100 (793,641)\tab \up0 \expndtw-1\charscalex100 (926,34
2)\tab \up0 \expndtw-1\charscalex100 (505,777)\par\pard\li900\sb106\sl-161\slmul
t0\fi194\tx7278\tx8058\tx9255\tx10158\tx11190 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 87,827\tab \up0 \expndtw1\charscalex100 (469)\tab \up0 \expndtw-1\charscalex100 135,436\tab \up0 \expndt
w-1\charscalex100 (145,936)\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918\tx79
98\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 885,475\tab \up0 \expndtw-1\charscalex100 118,896\tab \up0 \
expndtw-1\charscalex100 62,417\tab \up0 \expndtw-1\charscalex100 62,544\tab \up0
\expndtw-1\charscalex100 67,011\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918
\tx8133\tx9213\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 118,292\tab \up0 \expndtw-1\charscalex100 9,510\tab \
up0 \expndtw-1\charscalex100 5,304\tab \up0 \expndtw-1\charscalex100 968\tab \up
0 \expndtw-1\charscalex100 714\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\
tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 767,183\tab \up0 \expndtw-1\charscalex100 109,386\tab \up0 \expndtw-1\charsca
lex100 57,113\tab \up0 \expndtw-1\charscalex100 61,576\tab \up0 \expndtw-1\chars
calex100 66,297\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx
10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Tota
l assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 6,797,461\tab \up0 \expndtw-1\charscalex100 5,381,121\tab \up0 \expndtw-1\ch
arscalex100 2,954,789\tab \up0 \expndtw-1\charscalex100 2,958,120\tab \up0 \expn
dtw-1\charscalex100 3,101,780\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx
7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 1,811,357\tab \up0 \expndtw-1\charscalex100 336,439\tab \up0 \exp
ndtw-1\charscalex100 704,134\tab \up0 \expndtw-1\charscalex100 738,045\tab \up0
\expndtw-1\charscalex100 82,152\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813
\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 4,810,140\tab \up0 \expndtw-1\charscalex100 5,006,067\tab \up0 \expndtw

-1\charscalex100 2,224,507\tab \up0 \expndtw-1\charscalex100 2,188,255\tab \up0

\expndtw-1\charscalex100 2,863,246\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6
918\tx8058\tx9138\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 175,964\tab \up0 \expndtw-1\charscalex100 38,615\tab \up0 \expndtw-1\char
scalex100 26,148\tab \up0 \expndtw-1\charscalex100 31,820\tab \up0 \expndtw-1\ch
arscalex100 156,382\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\
sb88\sl-161\slmult0\fi194\tx6813\tx7950\tx8924\tx10158\tx11238 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,563,264\tab \up0 \expndtw-1\chars
calex100 (269,699)\tab \up0 \expndtw-1\charscalex100 (1,603,098)\tab \up0 \expnd
tw-1\charscalex100 171,614\tab \up0 \expndtw-1\charscalex100 733,167\par\pard\li
900\sb107\sl-161\slmult0\fi350\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/interest income\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 100,638\tab \up0 \expnd
tw-1\charscalex100 50,525\tab \up0 \expndtw-1\charscalex100 78,858\tab \up0 \exp
ndtw-1\charscalex100 71,973\tab \up0 \expndtw-1\charscalex100 44,701\par\pard\li
900\sb106\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Dividend income\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 224,552\tab \up0 \expndtw-1\ch
arscalex100 195,864\tab \up0 \expndtw-1\charscalex100 155,186\tab \up0 \expndtw1\charscalex100 117,566\tab \up0 \expndtw-1\charscalex100 184,340\par\pard\li900
\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future transactions\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expnd
tw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha
rscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb107\sl-161\slm
ult0\fi350\tx6918\tx8010\tx9030\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 d.Net gain on sale of investments\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 653,264\tab \up0 \expndtw-1\charsc
alex100 (18,642)\tab \up0 \expndtw-1\charscalex100 (840,680)\tab \up0 \expndtw-1
\charscalex100 134,223\tab \up0 \expndtw-1\charscalex100 423,338\par\pard\li900\
sb106\sl-161\slmult0\fi350\tx6918\tx7950\tx9030\tx10110\tx11298 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Net unrealized gain/(loss) on inve
stment\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 581,637\t
ab \up0 \expndtw-1\charscalex100 (497,446)\tab \up0 \expndtw-1\charscalex100 (99
6,879)\tab \up0 \expndtw-1\charscalex100 (153,887)\tab \up0 \expndtw-1\charscale
x100 80,788\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx105
18\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Capital
gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndt
w-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb107\sl161\slmult0\fi350\tx7053\tx8357\tx9303\tx10293\tx11597 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 3,173\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 417\tab \up0 \expndtw-1\charscalex100 1,739\tab \u
p0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6917\tx
7997\tx9077\tx10157\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 150,085\tab \up0 \expndtw-1\charscalex100 149,884\tab \up0 \e
xpndtw-1\charscalex100 678,459\tab \up0 \expndtw-1\charscalex100 148,063\tab \up
0 \expndtw-1\charscalex100 98,287\par\pard\li900\sb87\sl-161\slmult0\fi194\tx691
7\tx7997\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Remuneration to management co-advisor\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 116,605\tab \up0 \expndtw-1\charscalex100 11
6,534\tab \up0 \expndtw-1\charscalex100 62,198\tab \up0 \expndtw-1\charscalex100
66,425\tab \up0 \expndtw-1\charscalex100 61,817\par\pard\li900\sb107\sl-161\slm
ult0\fi194\tx7052\tx8132\tx9212\tx10292\tx11372 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodians\tab \up0 \expn

dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,261\tab \up0 \expndtw-1\char

scalex100 4,259\tab \up0 \expndtw-1\charscalex100 2,722\tab \up0 \expndtw-1\char
scalex100 2,849\tab \up0 \expndtw-1\charscalex100 2,711\par\pard\li900\sb107\sl161\slmult0\fi194\tx6977\tx8132\tx9212\tx10292\tx11372 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 17,589\tab \up0 \expndtw-1\charsc
alex100 5,827\tab \up0 \expndtw-1\charscalex100 2,954\tab \up0 \expndtw-1\charsc
alex100 3,155\tab \up0 \expndtw-1\charscalex100 2,936\par\pard\li900\sb106\sl-16
1\slmult0\fi194\tx7052\tx8057\tx9077\tx10217\tx11297 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and general expenses\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,504\tab \up0 \expndtw-1
\charscalex100 18,160\tab \up0 \expndtw-1\charscalex100 608,230\tab \up0 \expndt
w-1\charscalex100 73,243\tab \up0 \expndtw-1\charscalex100 26,875\par\pard\li900
\sb107\sl-161\slmult0\fi194\tx7052\tx8132\tx9212\tx10292\tx11372 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 5,126\tab \up0 \expndtw-1\charscalex100 5,1
04\tab \up0 \expndtw-1\charscalex100 2,355\tab \up0 \expndtw-1\charscalex100 2,3
91\tab \up0 \expndtw-1\charscalex100 3,948\par\pard\li900\sb103\sl-184\slmult0\f
i44\tx6812\tx7950\tx8924\tx10217\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 1,413,179\tab \up0 \expndtw-1\charscalex10
0 (419,583)\tab \up0 \expndtw-1\charscalex100 (2,281,557)\tab \up0 \expndtw-1\ch
arscalex100 23,551\tab \up0 \expndtw-1\charscalex100 634,880\par\pard\li900\sb83
\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
G.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx1
0157\tx11237 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. o
f units\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 318,004\
tab \up0 \expndtw-1\charscalex100 318,004\tab \up0 \expndtw-1\charscalex100 318,
004\tab \up0 \expndtw-1\charscalex100 315,696\tab \up0 \expndtw-1\charscalex100
318,004\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10544\t
x11624 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash divide
nd\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up
0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \dn2 \expndtw-2\c
harscalex100 -\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx
10544\tx11624 \dn2 \expndtw-2\charscalex100 3.Stock dividend/bonus shares\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndt
w-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \dn2 \expndtw-2\charscalex
100 -\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6812\tx7950\tx9077\tx10157\tx1
1190 \dn2 \expndtw-2\charscalex100 4.Cash generated from operating activities\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,129,131\tab \up0
\expndtw-1\charscalex100 (646,759)\tab \up0 \expndtw-1\charscalex100 413,864\ta
b \up0 \expndtw-1\charscalex100 205,891\tab \up0 \expndtw-1\charscalex100 (305,7
37)\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li900
\sb88\sl-161\slmult0\fi194\tx6977\tx7983\tx9063\tx10139\tx11297 \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 79.20%\tab \up0 \expndt
w-1\charscalex100 191.36%\tab \up0 \expndtw-1\charscalex100 114.60%\tab \up0 \ex
pndtw-1\charscalex100 -10.44%\tab \up0 \expndtw-1\charscalex100 68.76%\par\pard\
li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900
\sb107\sl-161\slmult0\fi194\tx6977\tx7983\tx9063\tx10217\tx11297 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 90.40%\tab \up0 \e
xpndtw-1\charscalex100 155.57%\tab \up0 \expndtw-1\charscalex100 142.32%\tab \up

0 \expndtw-1\charscalex100 13.72%\tab \up0 \expndtw-1\charscalex100 86.59%\par\p

ard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8054\tx9059\tx10277\tx11297 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (
F/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.79%\tab
\up0 \expndtw-1\charscalex100 -7.80%\tab \up0 \expndtw-1\charscalex100 -77.22%\t
ab \up0 \expndtw-1\charscalex100 0.80%\tab \up0 \expndtw-1\charscalex100 20.47%\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9197\tx10217\tx11297 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense
(E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.69%\ta
b \up0 \expndtw-1\charscalex100 77.75%\tab \up0 \expndtw-1\charscalex100 9.17%\t
ab \up0 \expndtw-1\charscalex100 44.86%\tab \up0 \expndtw-1\charscalex100 62.89%
\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value p
er share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100
10.00\tab \up0 \expndtw-1\charscalex100 10.07\tab \up0 \expndtw-1\charscalex100
10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10383\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per
share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.4
4\tab \up0 \expndtw-1\charscalex100 -1.32\tab \up0 \expndtw-1\charscalex100 -7.1
7\tab \up0 \expndtw-1\charscalex100 0.07\tab \up0 \expndtw-1\charscalex100 2.00\
par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194
\tx6977\tx8117\tx9137\tx10217\tx11357 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 26.65%\tab \up0 \expndtw-1\cha
rscalex100 6.25%\tab \up0 \expndtw-1\charscalex100 23.83%\tab \up0 \expndtw-1\ch
arscalex100 24.95%\tab \up0 \expndtw-1\charscalex100 2.65%\par\pard\li900\sb106\
sl-161\slmult0\fi194\tx6977\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.03%\tab \up0
\expndtw-1\charscalex100 2.21%\tab \up0 \expndtw-1\charscalex100 2.11%\tab \up0
\expndtw-1\charscalex100 2.11%\tab \up0 \expndtw-1\charscalex100 2.16%\par\pard\
ql \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53
\f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx6
977\tx8057\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 46.78%\tab \up0 \expndtw-1\charscalex10
0 59.10%\tab \up0 \expndtw-1\charscalex100 107.62%\tab \up0 \expndtw-1\charscale
x100 107.50%\tab \up0 \expndtw-1\charscalex100 102.52%\par\pard\ql \li944\sb98\s
l-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash
flow ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx8223\tx9239\tx10383
\tx11399 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash genera
ted from operating activities to net income (G4/F) (time)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 1.51\tab \up0 \expndtw-1\charscalex100
1.54\tab \up0 \expndtw-1\charscalex100 -0.18\tab \up0 \expndtw-1\charscalex100
8.74\tab \up0 \expndtw-1\charscalex100 -0.48\par\pard\ql \li6037\sb0\sl-161\slmu
lt0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult
0 \par\pard\ql\li6037\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 114
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g123}{\bkmkend Pg123}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 JS Value Fund\tab \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\
tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f5
5\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscale
x100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex1
00 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx1
1133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,151
,044\tab \up0 \expndtw-1\charscalex100 2,654,320\tab \up0 \expndtw-1\charscalex1
00 1,238,901\tab \up0 \expndtw-1\charscalex100 1,004,473\tab \up0 \expndtw-1\cha
rscalex100 1,205,768\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,185,750\tab \up0 \expndtw-1\charscalex100 1,185,750\tab \up0 \expn
dtw-1\charscalex100 1,185,750\tab \up0 \expndtw-1\charscalex100 1,185,750\tab \u
p0 \expndtw-1\charscalex100 1,185,750\par\pard\li900\sb107\sl-161\slmult0\fi194\
tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 10,000\tab \up0 \expndtw-1\charscalex100 10,000\tab \up0 \expndtw-1\
charscalex100 10,000\tab \up0 \expndtw-1\charscalex100 10,000\tab \up0 \expndtw1\charscalex100 10,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7893\t
x9138\tx10110\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 955,294\tab \up0 \expndtw-1\charscalex100 1,458,570\tab \up0 \exp
ndtw-1\charscalex100 43,151\tab \up0 \expndtw-1\charscalex100 (191,277)\tab \up0
\expndtw-1\charscalex100 10,018\par\pard\li900\sb106\sl-161\slmult0\fi194\tx705
3\tx8223\tx9164\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\

fs12 1,469\tab \up0 \expndtw-1\charscalex100 347\tab \up0 \expndtw-1\charscalex1

00 (1,571)\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918\tx8058\tx9138\tx10218\tx11298
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities
(B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 226,4
32\tab \up0 \expndtw-1\charscalex100 23,106\tab \up0 \expndtw-1\charscalex100 17
,763\tab \up0 \expndtw-1\charscalex100 16,885\tab \up0 \expndtw-1\charscalex100
20,343\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10383\tx1
1463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to in
vestment advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
38,012\tab \up0 \expndtw-1\charscalex100 4,152\tab \up0 \expndtw-1\charscalex10
0 1,985\tab \up0 \expndtw-1\charscalex100 102\tab \up0 \expndtw-1\charscalex100
221\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx112
98 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 188,420\tab \up0 \expndt
w-1\charscalex100 18,954\tab \up0 \expndtw-1\charscalex100 15,778\tab \up0 \expn
dtw-1\charscalex100 16,783\tab \up0 \expndtw-1\charscalex100 20,122\par\pard\li9
00\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,378,945\tab \up0 \expn
dtw-1\charscalex100 2,677,773\tab \up0 \expndtw-1\charscalex100 1,255,093\tab \u
p0 \expndtw-1\charscalex100 1,021,358\tab \up0 \expndtw-1\charscalex100 1,226,11
1\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balanc
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 885,244\tab \
up0 \expndtw-1\charscalex100 758,217\tab \up0 \expndtw-1\charscalex100 288,313\t
ab \up0 \expndtw-1\charscalex100 79,565\tab \up0 \expndtw-1\charscalex100 67,159
\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx9078\tx10158\tx11133
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,469,071\tab \up0 \ex
pndtw-1\charscalex100 1,908,853\tab \up0 \expndtw-1\charscalex100 959,730\tab \u
p0 \expndtw-1\charscalex100 934,113\tab \up0 \expndtw-1\charscalex100 1,148,780\
par\pard\li900\sb108\sl-161\slmult0\fi194\tx6978\tx8058\tx9213\tx10293\tx11298 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 24,630\tab \up0 \expndtw-1\c
harscalex100 10,703\tab \up0 \expndtw-1\charscalex100 7,050\tab \up0 \expndtw-1\
charscalex100 7,680\tab \up0 \expndtw-1\charscalex100 10,172\par\pard\li900\sb10
2\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs1
6 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998
\tx8924\tx10170\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 709,634\tab \up0 \expndtw-1\charscalex100 922,276\tab \up0 \expndtw-1\char
scalex100 (1,255,689)\tab \up0 \expndtw-1\charscalex100 (54,766)\tab \up0 \expnd
tw-1\charscalex100 308,390\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx80
58\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 67,195\tab \up0 \expndtw-1\charscalex100 81,403\tab \up0 \expndtw
-1\charscalex100 54,303\tab \up0 \expndtw-1\charscalex100 25,588\tab \up0 \expnd
tw-1\charscalex100 12,556\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx805
8\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 41,921\tab \up0 \expndtw-1\charscalex100 28,134\tab \up0 \expndtw-1\chars
calex100 43,563\tab \up0 \expndtw-1\charscalex100 46,188\tab \up0 \expndtw-1\cha
rscalex100 64,609\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438
\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.I
ncome from future transactions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsca
lex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0
\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx7998\tx9030\tx10158\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain on sale o

f investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14

2,974\tab \up0 \expndtw-1\charscalex100 538,761\tab \up0 \expndtw-1\charscalex10
0 (673,017)\tab \up0 \expndtw-1\charscalex100 115,167\tab \up0 \expndtw-1\charsc
alex100 58,293\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx7998\tx9030\tx
10110\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Net
unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 457,544\tab \up0 \expndtw-1\charscalex100 273,978\tab \up0
\expndtw-1\charscalex100 (680,538)\tab \up0 \expndtw-1\charscalex100 (241,709)\t
ab \up0 \expndtw-1\charscalex100 172,932\par\pard\li900\sb107\sl-161\slmult0\fi3
50\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha
rscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex1
00 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11
598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expnd
tw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha
rscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slm
ult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 53,748\tab \up0 \expndtw-1\charscalex100 6
4,271\tab \up0 \expndtw-1\charscalex100 41,154\tab \up0 \expndtw-1\charscalex100
61,087\tab \up0 \expndtw-1\charscalex100 47,809\par\pard\li900\sb87\sl-161\slmu
lt0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,012\tab \up0 \expndtw-1\ch
arscalex100 50,943\tab \up0 \expndtw-1\charscalex100 31,125\tab \up0 \expndtw-1\
charscalex100 24,801\tab \up0 \expndtw-1\charscalex100 23,312\par\pard\li900\sb1
07\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodians\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,832\tab \up0 \e
xpndtw-1\charscalex100 3,525\tab \up0 \expndtw-1\charscalex100 2,534\tab \up0 \e
xpndtw-1\charscalex100 2,218\tab \up0 \expndtw-1\charscalex100 2,143\par\pard\li
900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9437\tx10517\tx11597 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,852\tab \up0 \expn
dtw-1\charscalex100 2,547\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb106\sl-16
1\slmult0\fi194\tx7053\tx8133\tx9213\tx10217\tx11297 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and general expenses\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,514\tab \up0 \expndtw-1
\charscalex100 6,351\tab \up0 \expndtw-1\charscalex100 4,949\tab \up0 \expndtw-1
\charscalex100 32,610\tab \up0 \expndtw-1\charscalex100 20,447\par\pard\li900\sb
107\sl-161\slmult0\fi194\tx7053\tx8223\tx9213\tx10293\tx11373 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 1,538\tab \up0 \expndtw-1\charscalex100 905\ta
b \up0 \expndtw-1\charscalex100 2,546\tab \up0 \expndtw-1\charscalex100 1,458\ta
b \up0 \expndtw-1\charscalex100 1,907\par\pard\li900\sb103\sl-184\slmult0\fi44\t
x6917\tx7997\tx8924\tx10110\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 655,886\tab \up0 \expndtw-1\charscalex100 858,0
05\tab \up0 \expndtw-1\charscalex100 (1,296,843)\tab \up0 \expndtw-1\charscalex1
00 (115,853)\tab \up0 \expndtw-1\charscalex100 260,581\par\pard\li900\sb83\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Oth
er items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\t
x11237 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of unit
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 118,575\tab \u
p0 \expndtw-1\charscalex100 118,575\tab \up0 \expndtw-1\charscalex100 118,575\ta
b \up0 \expndtw-1\charscalex100 118,575\tab \up0 \expndtw-1\charscalex100 118,57
5\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9093\tx10173\tx11328

\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab

\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \ex
pndtw-1\charscalex100 10.00%\tab \up0 \expndtw-1\charscalex100 7.00%\par\pard\li
900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li9
00\sb106\sl-161\slmult0\fi194\tx6917\tx7997\tx9030\tx10110\tx11297 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating a
ctivities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 784,96
1\tab \up0 \expndtw-1\charscalex100 333,551\tab \up0 \expndtw-1\charscalex100 (3
02,428)\tab \up0 \expndtw-1\charscalex100 (109,440)\tab \up0 \expndtw-1\charscal
ex100 44,966\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\p
ard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10143\tx11297 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D
1\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 84.62%\tab \up
0 \expndtw-1\charscalex100 88.12%\tab \up0 \expndtw-1\charscalex100 107.79%\tab
\up0 \expndtw-1\charscalex100 231.06%\tab \up0 \expndtw-1\charscalex100 74.98%\p
ar\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/
D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pa
rd\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10143\tx11297 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (
F/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 92.43%\tab
\up0 \expndtw-1\charscalex100 93.03%\tab \up0 \expndtw-1\charscalex100 103.28%\
tab \up0 \expndtw-1\charscalex100 211.54%\tab \up0 \expndtw-1\charscalex100 84.5
0%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx8999\tx10139\tx1129
7 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets
(ROA) (F/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27.
57%\tab \up0 \expndtw-1\charscalex100 32.04%\tab \up0 \expndtw-1\charscalex100 103.33%\tab \up0 \expndtw-1\charscalex100 -11.34%\tab \up0 \expndtw-1\charscalex
100 21.25%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx1021
7\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Manageme
nt expense (E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 70.72%\tab \up0 \expndtw-1\charscalex100 79.26%\tab \up0 \expndtw-1\charscalex
100 75.63%\tab \up0 \expndtw-1\charscalex100 40.60%\tab \up0 \expndtw-1\charscal
ex100 48.76%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10
323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net as
sets value per share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\c
harscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\c
harscalex100 10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx916
4\tx10319\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.
Earning per share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 5.53\tab \up0 \expndtw-1\charscalex100 7.24\tab \up0 \expndtw-1\charsca
lex100 -10.94\tab \up0 \expndtw-1\charscalex100 -0.98\tab \up0 \expndtw-1\charsc
alex100 2.20\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\
slmult0\fi194\tx6977\tx8057\tx9137\tx10277\tx11357 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 37.21%\tab \up0 \
expndtw-1\charscalex100 28.32%\tab \up0 \expndtw-1\charscalex100 22.97%\tab \up0
\expndtw-1\charscalex100 7.79%\tab \up0 \expndtw-1\charscalex100 5.48%\par\pard
\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total

assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.5

2%\tab \up0 \expndtw-1\charscalex100 0.86%\tab \up0 \expndtw-1\charscalex100 1.4
2%\tab \up0 \expndtw-1\charscalex100 1.65%\tab \up0 \expndtw-1\charscalex100 1.6
6%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slm
ult0\fi0\tx6977\tx8057\tx9137\tx10143\tx11297 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 49.84%\tab \up0 \expndtw-1\
charscalex100 44.28%\tab \up0 \expndtw-1\charscalex100 94.48%\tab \up0 \expndtw1\charscalex100 116.10%\tab \up0 \expndtw-1\charscalex100 96.71%\par\pard\ql \li
944\sb98\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 K.Cash flow ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx8223\tx93
03\tx10383\tx11463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 C
ash generated from operating activities to net income (G4/F) (time)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.20\tab \up0 \expndtw-1\cha
rscalex100 0.39\tab \up0 \expndtw-1\charscalex100 0.23\tab \up0 \expndtw-1\chars
calex100 0.94\tab \up0 \expndtw-1\charscalex100 0.17\par\pard\ql \li6037\sb0\sl161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-16
1\slmult0 \par\pard\ql\li6037\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 115
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l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
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calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa

r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\

nosupersub\cf57\f58\fs24 Meezan Balanced Fund\tab \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult
0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\n
osupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\ch
arscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\char
scalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10
053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total
equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 1,598,166\tab \up0 \expndtw-1\charscalex100 1,423,683\tab \up0 \expndtw-1\char
scalex100 1,147,792\tab \up0 \expndtw-1\charscalex100 1,276,119\tab \up0 \expndt
w-1\charscalex100 1,436,138\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1,200,000\tab \up0 \expndtw-1\charscalex100 1,200,000\tab \up
0 \expndtw-1\charscalex100 1,200,000\tab \up0 \expndtw-1\charscalex100 1,200,000
\tab \up0 \expndtw-1\charscalex100 1,200,000\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha
rscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex1
00 0\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9090\tx10218\tx11
238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated
profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 398
,166\tab \up0 \expndtw-1\charscalex100 223,683\tab \up0 \expndtw-1\charscalex100
(52,208)\tab \up0 \expndtw-1\charscalex100 76,119\tab \up0 \expndtw-1\charscale
x100 236,138\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9164\tx10
293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \exp
ndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 (4,949)\tab \up0 \expnd
tw-1\charscalex100 1,592\tab \up0 \expndtw-1\charscalex100 87,294\par\pard\li900
\sb103\sl-184\slmult0\fi44\tx6918\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 105,133\tab \up0 \expn
dtw-1\charscalex100 11,451\tab \up0 \expndtw-1\charscalex100 18,013\tab \up0 \ex
pndtw-1\charscalex100 24,105\tab \up0 \expndtw-1\charscalex100 18,316\par\pard\l
i900\sb88\sl-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10293\tx11373 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47,908\tab \up0
\expndtw-1\charscalex100 6,851\tab \up0 \expndtw-1\charscalex100 4,488\tab \up0
\expndtw-1\charscalex100 2,112\tab \up0 \expndtw-1\charscalex100 2,507\par\pard\
li900\sb106\sl-161\slmult0\fi194\tx6978\tx8133\tx9138\tx10218\tx11298 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 57,225\tab \up0 \expndtw-1\charscalex
100 4,600\tab \up0 \expndtw-1\charscalex100 13,525\tab \up0 \expndtw-1\charscale
x100 21,993\tab \up0 \expndtw-1\charscalex100 15,809\par\pard\li900\sb103\sl-184
\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 1,703,299\tab \up0 \expndtw-1\charscale
x100 1,435,134\tab \up0 \expndtw-1\charscalex100 1,160,856\tab \up0 \expndtw-1\c
harscalex100 1,301,816\tab \up0 \expndtw-1\charscalex100 1,541,748\par\pard\li90
0\sb88\sl-161\slmult0\fi194\tx6918\tx8058\tx9078\tx10158\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balances\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 515,628\tab \up0 \expndtw-1\
charscalex100 10,462\tab \up0 \expndtw-1\charscalex100 144,241\tab \up0 \expndtw
-1\charscalex100 292,188\tab \up0 \expndtw-1\charscalex100 42,186\par\pard\li900
\sb106\sl-161\slmult0\fi194\tx6918\tx7893\tx9078\tx10158\tx11133 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 951,211\tab \up0 \expndtw-1\charscale

x100 1,398,691\tab \up0 \expndtw-1\charscalex100 992,205\tab \up0 \expndtw-1\cha

rscalex100 985,810\tab \up0 \expndtw-1\charscalex100 1,465,941\par\pard\li900\sb
108\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 236,460\tab \up0 \expndtw-1\charscalex100 25,
981\tab \up0 \expndtw-1\charscalex100 24,410\tab \up0 \expndtw-1\charscalex100 2
3,818\tab \up0 \expndtw-1\charscalex100 33,621\par\pard\li900\sb102\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & l
oss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx8058\tx9030\tx1015
8\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income (
a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 380,620\
tab \up0 \expndtw-1\charscalex100 70,836\tab \up0 \expndtw-1\charscalex100 (117,
193)\tab \up0 \expndtw-1\charscalex100 289,304\tab \up0 \expndtw-1\charscalex100
254,036\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/int
erest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 38,
658\tab \up0 \expndtw-1\charscalex100 67,825\tab \up0 \expndtw-1\charscalex100 6
4,797\tab \up0 \expndtw-1\charscalex100 72,337\tab \up0 \expndtw-1\charscalex100
89,560\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Dividend in
come\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 55,009\tab
\up0 \expndtw-1\charscalex100 38,248\tab \up0 \expndtw-1\charscalex100 46,319\ta
b \up0 \expndtw-1\charscalex100 60,298\tab \up0 \expndtw-1\charscalex100 56,620\
par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8010\tx9438\tx10518\tx11598 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future
transactions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18,
791\tab \up0 \expndtw-1\charscalex100 (15,000)\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\p
ard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx8058\tx9030\tx10158\tx11238 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain on sale of inve
stments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 118,118\
tab \up0 \expndtw-1\charscalex100 67,904\tab \up0 \expndtw-1\charscalex100 (129,
163)\tab \up0 \expndtw-1\charscalex100 111,298\tab \up0 \expndtw-1\charscalex100
107,302\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx8010\tx9090\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Net unreal
ized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 149,823\tab \up0 \expndtw-1\charscalex100 (88,141)\tab \up0 \expn
dtw-1\charscalex100 (99,146)\tab \up0 \expndtw-1\charscalex100 54,564\tab \up0 \
expndtw-1\charscalex100 12,054\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\
tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\p
ard\li900\sb107\sl-161\slmult0\fi350\tx7143\tx8358\tx9438\tx10244\tx11250 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 221\tab \up0 \expndtw-1\cha
rscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex1
00 (9,193)\tab \up0 \expndtw-1\charscalex100 (11,500)\par\pard\li900\sb103\sl-18
4\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 55,658\tab \up0 \expndtw-1\charscalex
100 53,319\tab \up0 \expndtw-1\charscalex100 38,698\tab \up0 \expndtw-1\charscal
ex100 40,977\tab \up0 \expndtw-1\charscalex100 28,017\par\pard\li900\sb87\sl-161
\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 42,906\tab \up0 \expndtw
-1\charscalex100 45,271\tab \up0 \expndtw-1\charscalex100 32,550\tab \up0 \expnd
tw-1\charscalex100 31,114\tab \up0 \expndtw-1\charscalex100 28,069\par\pard\li90
0\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodi

ans\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,630\tab \u

p0 \expndtw-1\charscalex100 1,688\tab \up0 \expndtw-1\charscalex100 1,356\tab \u
p0 \expndtw-1\charscalex100 1,504\tab \up0 \expndtw-1\charscalex100 1,596\par\pa
rd\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10383\tx11463 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6,076\tab \up0
\expndtw-1\charscalex100 3,169\tab \up0 \expndtw-1\charscalex100 2,670\tab \up0
\expndtw-1\charscalex100 826\tab \up0 \expndtw-1\charscalex100 509\par\pard\li90
0\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11324 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and general expen
ses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,046\tab \u
p0 \expndtw-1\charscalex100 3,191\tab \up0 \expndtw-1\charscalex100 2,122\tab \u
p0 \expndtw-1\charscalex100 7,533\tab \up0 \expndtw-1\charscalex100 (2,157)\par\
pard\li900\sb107\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex1
00 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918
\tx8058\tx9030\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 324,962\tab \up0 \expndtw-1\charscalex100 17,517\tab
\up0 \expndtw-1\charscalex100 (155,891)\tab \up0 \expndtw-1\charscalex100 248,3
27\tab \up0 \expndtw-1\charscalex100 226,019\par\pard\li900\sb83\sl-184\slmult0\
fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\p
ar\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 120,000\tab \up0 \expndt
w-1\charscalex100 120,000\tab \up0 \expndtw-1\charscalex100 120,000\tab \up0 \ex
pndtw-1\charscalex100 120,000\tab \up0 \expndtw-1\charscalex100 120,000\par\pard
\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10173\tx11253 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 15.50%\tab \up0 \expndtw-1\charscalex100 17.50%\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\ch
arscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb106\s
l-161\slmult0\fi194\tx6918\tx7950\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 702,383\tab \up0
\expndtw-1\charscalex100 (211,039)\tab \up0 \expndtw-1\charscalex100 249,207\ta
b \up0 \expndtw-1\charscalex100 260,050\tab \up0 \expndtw-1\charscalex100 182,02
0\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li900\s
b88\sl-161\slmult0\fi194\tx6978\tx7980\tx9063\tx10218\tx11298 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 75.39%\tab \up0 \expndtw1\charscalex100 -49.74%\tab \up0 \expndtw-1\charscalex100 194.81%\tab \up0 \expn
dtw-1\charscalex100 54.15%\tab \up0 \expndtw-1\charscalex100 42.46%\par\pard\li9
00\sb106\sl-161\slmult0\fi194\tx7038\tx7980\tx9198\tx10278\tx11358 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.94%\tab \up0 \expndtw
-1\charscalex100 -21.18%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\
sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9063\tx10218\tx11298 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 85.38%\tab \up0 \ex
pndtw-1\charscalex100 24.73%\tab \up0 \expndtw-1\charscalex100 133.02%\tab \up0

\expndtw-1\charscalex100 85.84%\tab \up0 \expndtw-1\charscalex100 88.97%\par\par

d\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8118\tx9060\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (F/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.08%\tab \u
p0 \expndtw-1\charscalex100 1.22%\tab \up0 \expndtw-1\charscalex100 -13.43%\tab
\up0 \expndtw-1\charscalex100 19.08%\tab \up0 \expndtw-1\charscalex100 14.66%\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11223 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense (E
1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77.09%\tab
\up0 \expndtw-1\charscalex100 84.91%\tab \up0 \expndtw-1\charscalex100 84.11%\ta
b \up0 \expndtw-1\charscalex100 75.93%\tab \up0 \expndtw-1\charscalex100 100.19%
\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value p
er share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100
10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100
10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx
11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per
share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.7
1\tab \up0 \expndtw-1\charscalex100 0.15\tab \up0 \expndtw-1\charscalex100 -1.30
\tab \up0 \expndtw-1\charscalex100 2.07\tab \up0 \expndtw-1\charscalex100 1.88\p
ar\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\
tx6978\tx8118\tx9138\tx10218\tx11358 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 30.27%\tab \up0 \expndtw-1\char
scalex100 0.73%\tab \up0 \expndtw-1\charscalex100 12.43%\tab \up0 \expndtw-1\cha
rscalex100 22.44%\tab \up0 \expndtw-1\charscalex100 2.74%\par\pard\li900\sb106\s
l-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.17%\tab \up0 \e
xpndtw-1\charscalex100 0.80%\tab \up0 \expndtw-1\charscalex100 1.55%\tab \up0 \e
xpndtw-1\charscalex100 1.85%\tab \up0 \expndtw-1\charscalex100 1.19%\par\pard\ql
\li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx697
8\tx8058\tx9063\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 70.45%\tab \up0 \expndtw-1\charscalex100
83.62%\tab \up0 \expndtw-1\charscalex100 103.37%\tab \up0 \expndtw-1\charscalex1
00 92.18%\tab \up0 \expndtw-1\charscalex100 77.83%\par\pard\ql \li944\sb98\sl-18
4\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flo
w ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx8084\tx9240\tx10383\tx1
1463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash generated
from operating activities to net income (G4/F) (time)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 2.16\tab \up0 \expndtw-1\charscalex100 -12
.05\tab \up0 \expndtw-1\charscalex100 -1.60\tab \up0 \expndtw-1\charscalex100 1.
05\tab \up0 \expndtw-1\charscalex100 0.81\par\pard\ql \li6000\sb0\sl-161\slmult0
\par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \
par\pard\ql\li6000\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 116
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ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0
\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\no
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rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx9078\tx101
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1,136,571\tab \up0 \expndtw-1\charscalex100 1,011,363\tab \up0 \expndtw-1\chars
calex100 721,808\tab \up0 \expndtw-1\charscalex100 671,964\tab \up0 \expndtw-1\c
harscalex100 757,930\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx89
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.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
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tx6918\tx8058\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
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\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsca
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tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropri
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0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 (278,19
2)\tab \up0 \expndtw-1\charscalex100 (328,036)\tab \up0 \expndtw-1\charscalex100
(242,070)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8133\tx9437\tx1029
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xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 69,851\tab \up0 \expndtw-1\
charscalex100 17,350\tab \up0 \expndtw-1\charscalex100 8,661\tab \up0 \expndtw-1
\charscalex100 15,383\tab \up0 \expndtw-1\charscalex100 10,869\par\pard\li900\sb
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rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31,124\tab \up0 \expndt
w-1\charscalex100 9,750\tab \up0 \expndtw-1\charscalex100 3,595\tab \up0 \expndt
w-1\charscalex100 2,904\tab \up0 \expndtw-1\charscalex100 3,735\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx6977\tx8133\tx9213\tx10217\tx11373 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscal
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479\tab \up0 \expndtw-1\charscalex100 7,134\par\pard\li900\sb103\sl-184\slmult0\
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6,151\tab \up0 \expndtw-1\charscalex100 730,469\tab \up0 \expndtw-1\charscalex10
0 693,544\tab \up0 \expndtw-1\charscalex100 777,076\par\pard\li900\sb88\sl-161\s
lmult0\fi194\tx6917\tx8057\tx9137\tx10157\tx11237 \dn2 \expndtw-2\charscalex100
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lex100 \ul0\nosupersub\cf56\f57\fs12 228,481\tab \up0 \expndtw-1\charscalex100 3
3,924\tab \up0 \expndtw-1\charscalex100 24,985\tab \up0 \expndtw-1\charscalex100
126,688\tab \up0 \expndtw-1\charscalex100 171,524\par\pard\li900\sb106\sl-161\s
lmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \dn2 \expndtw-2\charscalex100
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l0\nosupersub\cf56\f57\fs12 909,601\tab \up0 \expndtw-1\charscalex100 837,373\ta
b \up0 \expndtw-1\charscalex100 625,517\tab \up0 \expndtw-1\charscalex100 557,83
8\tab \up0 \expndtw-1\charscalex100 597,937\par\pard\li900\sb108\sl-161\slmult0\
fi194\tx6977\tx7997\tx9137\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 3.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 68,340\tab \up0 \expndtw-1\charscalex100 164,854\tab \up0 \expnd
tw-1\charscalex100 79,967\tab \up0 \expndtw-1\charscalex100 9,018\tab \up0 \expn
dtw-1\charscalex100 7,615\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\
li900\sb88\sl-161\slmult0\fi194\tx6917\tx8057\tx9030\tx10157\tx11237 \up0 \expnd
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harscalex100 16,879\tab \up0 \expndtw-1\charscalex100 (261,998)\tab \up0 \expndt
w-1\charscalex100 136,606\tab \up0 \expndtw-1\charscalex100 130,014\par\pard\li9
00\sb107\sl-161\slmult0\fi350\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw
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\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 58,952\tab \up0 \expndtw
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alex100 29,021\tab \up0 \expndtw-1\charscalex100 31,339\tab \up0 \expndtw-1\char
scalex100 28,629\tab \up0 \expndtw-1\charscalex100 24,129\par\pard\li900\sb107\s
l-161\slmult0\fi350\tx7277\tx8357\tx9437\tx10517\tx11597 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future transactions\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\cha
rscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex1
00 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi3
50\tx6977\tx8057\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosup
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0,164\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\ta
b \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb106\sl-161\slmult0\fi350\tx69
77\tx7950\tx9030\tx10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 e.Net unrealized gain/(loss) on investment\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 24,081\tab \up0 \expndtw-1\charscalex100
(126,937)\tab \up0 \expndtw-1\charscalex100 (177,579)\tab \up0 \expndtw-1\chars
calex100 (79,417)\tab \up0 \expndtw-1\charscalex100 (47,055)\par\pard\li900\sb10
7\sl-161\slmult0\fi350\tx7277\tx8357\tx9090\tx10157\tx11237 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 (94,701)\tab \up0 \expndtw-1\charscalex100 149,51
4\tab \up0 \expndtw-1\charscalex100 114,162\par\pard\li900\sb107\sl-161\slmult0\
fi350\tx7053\tx8133\tx9090\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 g.Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 5,210\tab \up0 \expndtw-1\charscalex100 1,494\tab \up0 \ex
pndtw-1\charscalex100 (48,430)\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \exp
ndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6977\tx8057\tx
9137\tx10217\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16
E.Total expense (E1 to E5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 36,492\tab \up0 \expndtw-1\charscalex100 42,086\tab \up0 \expndtw-1\
charscalex100 27,558\tab \up0 \expndtw-1\charscalex100 36,450\tab \up0 \expndtw1\charscalex100 44,048\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6977\tx8057\tx
9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Remuneration to management co-advisor\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 22,114\tab \up0 \expndtw-1\charscalex100 32,617\tab \up
0 \expndtw-1\charscalex100 22,832\tab \up0 \expndtw-1\charscalex100 24,423\tab \
up0 \expndtw-1\charscalex100 22,689\par\pard\li900\sb107\sl-161\slmult0\fi194\tx
7053\tx8133\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 2.Remuneration to trustees/custodians\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 1,498\tab \up0 \expndtw-1\charscalex100 1,2
35\tab \up0 \expndtw-1\charscalex100 810\tab \up0 \expndtw-1\charscalex100 773\t
ab \up0 \expndtw-1\charscalex100 634\par\pard\li900\sb107\sl-161\slmult0\fi194\t
x7277\tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\ch
arscalex100 0\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6977\tx8133\tx9213\tx1
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\cf56\f57\fs12 12,743\tab \up0 \expndtw-1\charscalex100 7,910\tab \up0 \expndtw1\charscalex100 3,025\tab \up0 \expndtw-1\charscalex100 5,776\tab \up0 \expndtw1\charscalex100 20,015\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\t
x9303\tx10293\tx11463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 5.Other\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 137\ta
b \up0 \expndtw-1\charscalex100 324\tab \up0 \expndtw-1\charscalex100 891\tab \u
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\li900\sb103\sl-184\slmult0\fi44\tx6917\tx8010\tx9030\tx10157\tx11297 \dn3 \expn
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up0 \expndtw-1\charscalex100 (25,207)\tab \up0 \expndtw-1\charscalex100 (289,556
)\tab \up0 \expndtw-1\charscalex100 100,156\tab \up0 \expndtw-1\charscalex100 85
,966\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\
tx6917\tx7997\tx9077\tx10157\tx11237 \up0 \expndtw-2\charscalex100 \ul0\nosupers
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b\cf56\f57\fs12 100,000\tab \up0 \expndtw-1\charscalex100 100,000\tab \up0 \expn
dtw-1\charscalex100 100,000\tab \up0 \expndtw-1\charscalex100 100,000\tab \up0 \
expndtw-1\charscalex100 100,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008
\tx8088\tx9168\tx10173\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5

1\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5

6\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 15.00%\tab \up0 \expndtw-1\ch
arscalex100 8.80%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168
\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.S
tock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6870\tx7950\tx9090\
tx10157\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ca
sh generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 (771,519)\tab \up0 \expndtw-1\charscalex100 (122,371)\tab
\up0 \expndtw-1\charscalex100 (41,409)\tab \up0 \expndtw-1\charscalex100 216,29
5\tab \up0 \expndtw-1\charscalex100 45,608\par\pard\li900\sb103\sl-184\slmult0\f
i44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Efficiency rat
ios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx7919\
tx9063\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 62.63%\tab \up0 \expndtw-1\charscalex100 -327.50%\tab \up0 \expn
dtw-1\charscalex100 122.41%\tab \up0 \expndtw-1\charscalex100 51.31%\tab \up0 \e
xpndtw-1\charscalex100 51.62%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\t
x8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx7919
\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 78.91%\tab \up0 \expndtw-1\charscalex100 -149.34%\tab \up0
\expndtw-1\charscalex100 110.52%\tab \up0 \expndtw-1\charscalex100 73.32%\tab \u
p0 \expndtw-1\charscalex100 66.12%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6
977\tx8055\tx9059\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 11.32%\tab \up0 \expndtw-1\charscalex100 -2.43%\tab
\up0 \expndtw-1\charscalex100 -39.64%\tab \up0 \expndtw-1\charscalex100 14.44%\
tab \up0 \expndtw-1\charscalex100 11.06%\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 60.60%\tab \up0 \expndtw-1\charscalex100 77.50%\
tab \up0 \expndtw-1\charscalex100 82.85%\tab \up0 \expndtw-1\charscalex100 67.00
%\tab \up0 \expndtw-1\charscalex100 51.51%\par\pard\li900\sb106\sl-161\slmult0\f
i194\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 6.Net assets value per share (A1/G1)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\charscalex1
00 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex1
00 10.00\tab \up0 \expndtw-1\charscalex100 10.00\par\pard\li900\sb107\sl-161\slm
ult0\fi194\tx7143\tx8159\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 1.37\tab \up0 \expndtw-1\charscalex100 -0
.25\tab \up0 \expndtw-1\charscalex100 -2.90\tab \up0 \expndtw-1\charscalex100 1.
00\tab \up0 \expndtw-1\charscalex100 0.86\par\pard\li900\sb103\sl-184\slmult0\fi
44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity ratio
s\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8117\tx9197\tx10217\tx11297
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equiva
lent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 18.94%\tab \up0 \expndtw-1\charscalex100 3.27%\tab \up0 \expndtw-1\c
harscalex100 3.42%\tab \up0 \expndtw-1\charscalex100 18.27%\tab \up0 \expndtw-1\
charscalex100 22.07%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9
197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0

\nosupersub\cf56\f57\fs12 5.79%\tab \up0 \expndtw-1\charscalex100 1.67%\tab \up0

\expndtw-1\charscalex100 1.19%\tab \up0 \expndtw-1\charscalex100 2.22%\tab \up0
\expndtw-1\charscalex100 1.40%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /leverage ratios \p
ar\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx8057\tx9063\tx10143\tx11223 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Shareholders equity to to
tal assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 82.89%\tab \up0 \expndtw-1\charscalex100 96.51%\tab \up0 \expndtw-1\charscalex
100 136.90%\tab \up0 \expndtw-1\charscalex100 144.19%\tab \up0 \expndtw-1\charsc
alex100 128.69%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl-161
\slmult0\fi0\tx7079\tx8223\tx9303\tx10383\tx11463 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activities to net in
come (G4/F) (time)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 -5.65\tab \up0 \expndtw-1\charscalex100 4.85\tab \up0 \expndtw-1\charscalex10
0 0.14\tab \up0 \expndtw-1\charscalex100 2.16\tab \up0 \expndtw-1\charscalex100
0.53\par\pard\ql \li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\slmul
t0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb79\sl-161\slmult
0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 117
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;9;16384;45824;1;45824;1;45824;1;45824;32768}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz41\shplid4{\sp{\sn shapeType}{\s
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid5{\sp{\sn shapeType}{\s
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g126}{\bkmkend Pg126}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\

nosupersub\cf57\f58\fs24 PICIC Energy Fund\tab \up0 \expndtw-2\charscalex100 \ul

0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx9078\tx10158
\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ
ity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
,077,010\tab \up0 \expndtw-1\charscalex100 1,070,563\tab \up0 \expndtw-1\charsca
lex100 859,159\tab \up0 \expndtw-1\charscalex100 925,613\tab \up0 \expndtw-1\cha
rscalex100 1,059,643\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893\tx89
73\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1
.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,000,000\tab \up0 \expndtw-1\charscalex100 1,000,000\tab \up0 \expn
dtw-1\charscalex100 1,000,000\tab \up0 \expndtw-1\charscalex100 1,000,000\tab \u
p0 \expndtw-1\charscalex100 1,000,000\par\pard\li900\sb107\sl-161\slmult0\fi194\
tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\tx10170\tx11298 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit
/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 77,010\tab
\up0 \expndtw-1\charscalex100 70,563\tab \up0 \expndtw-1\charscalex100 (140,841
)\tab \up0 \expndtw-1\charscalex100 (74,387)\tab \up0 \expndtw-1\charscalex100 5
9,643\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx1
1598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\
fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nos
upersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 57,523\tab \up0 \expndtw-1\charscalex100 12,
036\tab \up0 \expndtw-1\charscalex100 12,126\tab \up0 \expndtw-1\charscalex100 1
2,738\tab \up0 \expndtw-1\charscalex100 19,130\par\pard\li900\sb88\sl-161\slmult
0\fi194\tx6978\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 24,293\tab \up0 \expndtw-1\charscalex10
0 2,489\tab \up0 \expndtw-1\charscalex100 2,148\tab \up0 \expndtw-1\charscalex10
0 2,314\tab \up0 \expndtw-1\charscalex100 1,850\par\pard\li900\sb106\sl-161\slmu
lt0\fi194\tx6978\tx8133\tx9213\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 33,230\tab \up0 \expndtw-1\charscalex100 9,547\tab \up0 \exp
ndtw-1\charscalex100 9,978\tab \up0 \expndtw-1\charscalex100 10,424\tab \up0 \ex
pndtw-1\charscalex100 17,280\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7
893\tx9078\tx10158\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 1,134,533\tab \up0 \expndtw-1\charscalex100 1,082,599\tab \up0
\expndtw-1\charscalex100 871,285\tab \up0 \expndtw-1\charscalex100 938,351\tab \
up0 \expndtw-1\charscalex100 1,078,773\par\pard\li900\sb88\sl-161\slmult0\fi194\
tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 502,776\tab \up0 \expndtw-1\charscalex100 128,035\tab \u
p0 \expndtw-1\charscalex100 48,431\tab \up0 \expndtw-1\charscalex100 37,179\tab
\up0 \expndtw-1\charscalex100 77,090\par\pard\li900\sb106\sl-161\slmult0\fi194\t
x6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 617,107\tab \up0 \expndtw-1\charscalex100 939,203\tab \up0 \expndt
w-1\charscalex100 811,465\tab \up0 \expndtw-1\charscalex100 897,764\tab \up0 \ex

pndtw-1\charscalex100 994,036\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6978\t
x8058\tx9138\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 14,650\tab \up0 \expndtw-1\charscalex100 15,361\tab \up0 \expndtw-1\charscalex
100 11,389\tab \up0 \expndtw-1\charscalex100 3,408\tab \up0 \expndtw-1\charscale
x100 7,647\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-1
61\slmult0\fi194\tx6918\tx7998\tx9030\tx10158\tx11238 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 109,782\tab \up0 \expndtw-1\charscalex100 11
3,925\tab \up0 \expndtw-1\charscalex100 (111,597)\tab \up0 \expndtw-1\charscalex
100 160,159\tab \up0 \expndtw-1\charscalex100 326,671\par\pard\li900\sb107\sl-16
1\slmult0\fi350\tx6978\tx8058\tx9213\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 52,207\tab \up0 \expndtw-1\charscalex1
00 13,595\tab \up0 \expndtw-1\charscalex100 7,138\tab \up0 \expndtw-1\charscalex
100 13,551\tab \up0 \expndtw-1\charscalex100 10,600\par\pard\li900\sb106\sl-161\
slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 30,330\tab \up0 \expndtw-1\charscalex100 46,258
\tab \up0 \expndtw-1\charscalex100 69,072\tab \up0 \expndtw-1\charscalex100 46,6
31\tab \up0 \expndtw-1\charscalex100 88,847\par\pard\li900\sb107\sl-161\slmult0\
fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 c.Income from future transactions\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\t
ab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx79
98\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 d.Net gain on sale of investments\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 37,224\tab \up0 \expndtw-1\charscalex100 182,949\tab \up
0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expnd
tw-1\charscalex100 0\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6930\tx7950\tx9
090\tx10170\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
e.Net unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 (12,086)\tab \up0 \expndtw-1\charscalex100 (128,877)\
tab \up0 \expndtw-1\charscalex100 (39,530)\tab \up0 \expndtw-1\charscalex100 (71
,109)\tab \up0 \expndtw-1\charscalex100 20,660\par\pard\li900\sb107\sl-161\slmul
t0\fi350\tx7278\tx8358\tx9030\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 (148,277)\tab \up0 \expndtw-1\charscalex100 171,086\tab \up0 \e
xpndtw-1\charscalex100 206,564\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\
tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 g.Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,107\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscale
x100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\p
ar\pard\li900\sb103\sl-184\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \dn
3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to
E5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 51,893\tab \
up0 \expndtw-1\charscalex100 45,372\tab \up0 \expndtw-1\charscalex100 29,807\tab
\up0 \expndtw-1\charscalex100 41,328\tab \up0 \expndtw-1\charscalex100 36,844\p
ar\pard\li900\sb87\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to manag
ement co-advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
31,684\tab \up0 \expndtw-1\charscalex100 33,571\tab \up0 \expndtw-1\charscalex1
00 21,525\tab \up0 \expndtw-1\charscalex100 29,382\tab \up0 \expndtw-1\charscale
x100 27,079\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx102
93\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remuner
ation to trustees/custodians\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1,316\tab \up0 \expndtw-1\charscalex100 1,370\tab \up0 \expndtw-1\c

harscalex100 1,049\tab \up0 \expndtw-1\charscalex100 1,259\tab \up0 \expndtw-1\c

harscalex100 1,323\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7277\tx8357\tx943
7\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.
Brokerage-commission /fee\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex10
0 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\
pard\li900\sb106\sl-161\slmult0\fi194\tx6977\tx8133\tx9213\tx10293\tx11373 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and gene
ral expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,
987\tab \up0 \expndtw-1\charscalex100 8,287\tab \up0 \expndtw-1\charscalex100 5,
090\tab \up0 \expndtw-1\charscalex100 8,731\tab \up0 \expndtw-1\charscalex100 6,
022\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx113
73 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,906\tab \up0 \expndtw-1
\charscalex100 2,144\tab \up0 \expndtw-1\charscalex100 2,143\tab \up0 \expndtw-1
\charscalex100 1,956\tab \up0 \expndtw-1\charscalex100 2,420\par\pard\li900\sb10
3\sl-184\slmult0\fi44\tx6977\tx8057\tx9030\tx10157\tx11237 \dn3 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 F.Net income for the year (D1-E)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57,889\tab \up0 \expndtw
-1\charscalex100 68,553\tab \up0 \expndtw-1\charscalex100 (141,404)\tab \up0 \ex
pndtw-1\charscalex100 118,831\tab \up0 \expndtw-1\charscalex100 289,827\par\pard
\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6917\tx7997
\tx9077\tx10157\tx11237 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.No. of units\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 100,000\tab \up0 \expndtw-1\charscalex100 100,000\tab \up0 \expndtw-1\charsca
lex100 100,000\tab \up0 \expndtw-1\charscalex100 100,000\tab \up0 \expndtw-1\cha
rscalex100 100,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx916
8\tx10173\tx11253 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.
00%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \expndtw-1\charscalex100 2
8.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx1
1328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividen
d/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0
.00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6977\tx7950\tx9090\tx10217\tx11
237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated
from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 26,076\tab \up0 \expndtw-1\charscalex100 (300,262)\tab \up0 \expndtw1\charscalex100 (10,768)\tab \up0 \expndtw-1\charscalex100 37,740\tab \up0 \expn
dtw-1\charscalex100 188,598\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Efficiency ratios/profitabili
ty ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10217\
tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio
(D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
24.82%\tab \up0 \expndtw-1\charscalex100 47.46%\tab \up0 \expndtw-1\charscalex1
00 168.29%\tab \up0 \expndtw-1\charscalex100 62.42%\tab \up0 \expndtw-1\charscal
ex100 69.56%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10
277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Tradin
g income (D1c/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex10
0 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9063\tx10217\t
x11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on r
evenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 52.73%\tab \up0 \expndtw-1\charscalex100 60.17%\tab \up0 \expndtw-1\charscal
ex100 126.71%\tab \up0 \expndtw-1\charscalex100 74.20%\tab \up0 \expndtw-1\chars
calex100 88.72%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7037\tx8117\tx9059\t

x10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ret

urn on assets (ROA) (F/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 5.10%\tab \up0 \expndtw-1\charscalex100 6.33%\tab \up0 \expndtw-1\char
scalex100 -16.23%\tab \up0 \expndtw-1\charscalex100 12.66%\tab \up0 \expndtw-1\c
harscalex100 26.87%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx91
37\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5
.Management expense (E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 61.06%\tab \up0 \expndtw-1\charscalex100 73.99%\tab \up0 \expndtw-1\c
harscalex100 72.21%\tab \up0 \expndtw-1\charscalex100 71.09%\tab \up0 \expndtw-1
\charscalex100 73.50%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx
9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
6.Net assets value per share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \ex
pndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \ex
pndtw-1\charscalex100 10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8
223\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 7.Earning per share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 0.58\tab \up0 \expndtw-1\charscalex100 0.69\tab \up0 \expndtw1\charscalex100 -1.41\tab \up0 \expndtw-1\charscalex100 1.19\tab \up0 \expndtw-1
\charscalex100 2.90\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\
sl-161\slmult0\fi194\tx6977\tx8057\tx9197\tx10277\tx11357 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (
C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 44.32%\tab
\up0 \expndtw-1\charscalex100 11.83%\tab \up0 \expndtw-1\charscalex100 5.56%\ta
b \up0 \expndtw-1\charscalex100 3.96%\tab \up0 \expndtw-1\charscalex100 7.15%\pa
r\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to
total assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 5.07%\tab \up0 \expndtw-1\charscalex100 1.11%\tab \up0 \expndtw-1\charscalex1
00 1.39%\tab \up0 \expndtw-1\charscalex100 1.36%\tab \up0 \expndtw-1\charscalex1
00 1.77%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-1
61\slmult0\fi0\tx6977\tx8057\tx9063\tx10143\tx11297 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 88.14%\tab \up0 \expn
dtw-1\charscalex100 92.37%\tab \up0 \expndtw-1\charscalex100 114.77%\tab \up0 \e
xpndtw-1\charscalex100 106.57%\tab \up0 \expndtw-1\charscalex100 92.70%\par\pard
\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx81
59\tx9303\tx10383\tx11463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 Cash generated from operating activities to net income (G4/F) (time)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.45\tab \up0 \expndt
w-1\charscalex100 -4.38\tab \up0 \expndtw-1\charscalex100 0.08\tab \up0 \expndtw
-1\charscalex100 0.32\tab \up0 \expndtw-1\charscalex100 0.65\par\pard\ql \li6000
\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\s
b0\sl-161\slmult0 \par\pard\ql\li6000\sb79\sl-161\slmult0 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 118
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g127}{\bkmkend Pg127}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 PICIC Growth Fund\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\f
i90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7893\tx8973\tx10053
\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equ
ity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
0,496,433\tab \up0 \expndtw-1\charscalex100 8,291,928\tab \up0 \expndtw-1\charsc
alex100 3,530,357\tab \up0 \expndtw-1\charscalex100 3,944,740\tab \up0 \expndtw1\charscalex100 4,764,800\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7893
\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
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ub\cf56\f57\fs12 2,835,000\tab \up0 \expndtw-1\charscalex100 2,835,000\tab \up0
\expndtw-1\charscalex100 2,835,000\tab \up0 \expndtw-1\charscalex100 2,835,000\t
ab \up0 \expndtw-1\charscalex100 2,835,000\par\pard\li900\sb107\sl-161\slmult0\f
i194\tx6813\tx7893\tx9078\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 3,100,296\tab \up0 \expndtw-1\charscalex100 3,124,897\tab \up0
\expndtw-1\charscalex100 989,777\tab \up0 \expndtw-1\charscalex100 1,419,467\tab
\up0 \expndtw-1\charscalex100 1,395,722\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx6813\tx7893\tx9030\tx10110\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 3.Unappropriated profit/loss\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 4,561,137\tab \up0 \expndtw-1\charscalex100 2,3
32,031\tab \up0 \expndtw-1\charscalex100 (294,420)\tab \up0 \expndtw-1\charscale
x100 (309,727)\tab \up0 \expndtw-1\charscalex100 534,078\par\pard\li900\sb106\sl
-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 2,992,500\tab \up0 \expndtw-1\charscalex100 2,992,5
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84\slmult0\fi44\tx6918\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 702,260\tab \up0 \expndtw-1\chars
calex100 109,291\tab \up0 \expndtw-1\charscalex100 103,569\tab \up0 \expndtw-1\c
harscalex100 196,762\tab \up0 \expndtw-1\charscalex100 184,318\par\pard\li900\sb
88\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 245,018\tab \up0 \expnd
tw-1\charscalex100 18,807\tab \up0 \expndtw-1\charscalex100 10,871\tab \up0 \exp
ndtw-1\charscalex100 11,562\tab \up0 \expndtw-1\charscalex100 12,929\par\pard\li
900\sb106\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10158\tx11238 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 457,242\tab \up0 \expndtw-1\charscalex1
00 90,484\tab \up0 \expndtw-1\charscalex100 92,698\tab \up0 \expndtw-1\charscale
x100 185,200\tab \up0 \expndtw-1\charscalex100 171,389\par\pard\li900\sb103\sl-1
84\slmult0\fi44\tx6753\tx7833\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 14,191,193\tab \up0 \expndtw-1\charsc
alex100 11,393,719\tab \up0 \expndtw-1\charscalex100 6,624,426\tab \up0 \expndtw
-1\charscalex100 7,134,002\tab \up0 \expndtw-1\charscalex100 7,941,618\par\pard\
li900\sb88\sl-161\slmult0\fi194\tx6813\tx7998\tx9078\tx10158\tx11238 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balances\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,505,326\tab \up0 \expn
dtw-1\charscalex100 867,546\tab \up0 \expndtw-1\charscalex100 296,840\tab \up0 \
expndtw-1\charscalex100 246,157\tab \up0 \expndtw-1\charscalex100 453,731\par\pa
rd\li900\sb106\sl-161\slmult0\fi194\tx6753\tx7833\tx8973\tx10053\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,288,687\tab \up0 \expndtw1\charscalex100 10,461,354\tab \up0 \expndtw-1\charscalex100 6,281,453\tab \up0
\expndtw-1\charscalex100 6,802,156\tab \up0 \expndtw-1\charscalex100 7,367,007\p
ar\pard\li900\sb108\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx11238 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 397,180\tab \up0 \expndtw-1\c
harscalex100 64,819\tab \up0 \expndtw-1\charscalex100 46,133\tab \up0 \expndtw-1
\charscalex100 85,689\tab \up0 \expndtw-1\charscalex100 120,880\par\pard\li900\s
b102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7
950\tx8924\tx10158\tx11133 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,127,240\tab \up0 \expndtw-1\charscalex100 (291,248)\tab \up0 \expndtw
-1\charscalex100 (2,176,540)\tab \up0 \expndtw-1\charscalex100 769,108\tab \up0
\expndtw-1\charscalex100 1,420,959\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6
918\tx8058\tx9138\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 140,215\tab \up0 \expndtw-1\charscalex100 68,340\tab \up0
\expndtw-1\charscalex100 53,639\tab \up0 \expndtw-1\charscalex100 101,587\tab \
up0 \expndtw-1\charscalex100 65,146\par\pard\li900\sb106\sl-161\slmult0\fi350\tx
6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 598,242\tab \up0 \expndtw-1\charscalex100 465,982\tab \up0 \exp
ndtw-1\charscalex100 442,192\tab \up0 \expndtw-1\charscalex100 244,075\tab \up0
\expndtw-1\charscalex100 460,178\par\pard\li900\sb107\sl-161\slmult0\fi350\tx727
8\tx8358\tx9438\tx10518\tx11598 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 c.Income from future transactions\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \ex
pndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\
charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx7998\tx9438\t
x10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.Net
gain on sale of investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c

f56\f57\fs12 882,486\tab \up0 \expndtw-1\charscalex100 184,399\tab \up0 \expndtw

-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\chars
calex100 0\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx7844\tx9030\tx1011
0\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 e.Net unre
alized gain/(loss) on investment\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 498,733\tab \up0 \expndtw-1\charscalex100 (1,009,969)\tab \up0
\expndtw-1\charscalex100 (673,200)\tab \up0 \expndtw-1\charscalex100 (480,082)\t
ab \up0 \expndtw-1\charscalex100 44,791\par\pard\li900\sb107\sl-161\slmult0\fi35
0\tx7278\tx8358\tx8924\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\char
scalex100 (2,013,978)\tab \up0 \expndtw-1\charscalex100 903,509\tab \up0 \expndt
w-1\charscalex100 850,844\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx835
7\tx9137\tx10457\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 g.Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 7,564\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
14,807\tab \up0 \expndtw-1\charscalex100 19\tab \up0 \expndtw-1\charscalex100 0\
par\pard\li900\sb103\sl-184\slmult0\fi44\tx6917\tx7997\tx9077\tx10157\tx11237 \d
n3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 to
E5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 338,072\tab
\up0 \expndtw-1\charscalex100 307,733\tab \up0 \expndtw-1\charscalex100 166,411
\tab \up0 \expndtw-1\charscalex100 206,156\tab \up0 \expndtw-1\charscalex100 198
,326\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx112
37 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to
management co-advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 245,018\tab \up0 \expndtw-1\charscalex100 249,134\tab \up0 \expndtw-1\cha
rscalex100 134,143\tab \up0 \expndtw-1\charscalex100 151,707\tab \up0 \expndtw-1
\charscalex100 155,191\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\t
x9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 2.Remuneration to trustees/custodians\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 7,458\tab \up0 \expndtw-1\charscalex100 7,603\tab \up0 \
expndtw-1\charscalex100 4,729\tab \up0 \expndtw-1\charscalex100 5,168\tab \up0 \
expndtw-1\charscalex100 5,255\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7277\t
x8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Brokerage-commission /fee\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscale
x100 0\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx
11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrati
ve and general expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 77,982\tab \up0 \expndtw-1\charscalex100 45,795\tab \up0 \expndtw-1\char
scalex100 23,209\tab \up0 \expndtw-1\charscalex100 44,978\tab \up0 \expndtw-1\ch
arscalex100 33,501\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx921
3\tx10293\tx11373 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.
Other\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,614\tab
\up0 \expndtw-1\charscalex100 5,201\tab \up0 \expndtw-1\charscalex100 4,330\tab
\up0 \expndtw-1\charscalex100 4,303\tab \up0 \expndtw-1\charscalex100 4,379\par\
pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7950\tx8924\tx10157\tx11133 \dn3 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net income for the year
(D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,789,168
\tab \up0 \expndtw-1\charscalex100 (598,981)\tab \up0 \expndtw-1\charscalex100 (
2,342,951)\tab \up0 \expndtw-1\charscalex100 562,952\tab \up0 \expndtw-1\charsca
lex100 1,222,633\par\pard\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-161\sl
mult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 283,500\tab \up0 \expndtw-1\charscalex100 283,500\ta
b \up0 \expndtw-1\charscalex100 283,500\tab \up0 \expndtw-1\charscalex100 283,50
0\tab \up0 \expndtw-1\charscalex100 283,500\par\pard\li900\sb107\sl-161\slmult0\
fi194\tx7008\tx8088\tx9168\tx10173\tx11253 \dn2 \expndtw-2\charscalex100 \ul0\no

supersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\no

supersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 20.00%\tab \up0 \
expndtw-1\charscalex100 38.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\
tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \
expndtw-1\charscalex100 0.00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\t
x7997\tx9030\tx10157\tx11237 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 1,831,677\tab \up0 \expndtw-1\charscalex100
973,177\tab \up0 \expndtw-1\charscalex100 (281,691)\tab \up0 \expndtw-1\charscal
ex100 511,400\tab \up0 \expndtw-1\charscalex100 560,007\par\pard\li900\sb103\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.E
fficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\t
x6977\tx7983\tx9063\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 65.29%\tab \up0 \expndtw-1\charscalex100 283.46%\ta
b \up0 \expndtw-1\charscalex100 122.78%\tab \up0 \expndtw-1\charscalex100 55.06%
\tab \up0 \expndtw-1\charscalex100 63.03%\par\pard\li900\sb106\sl-161\slmult0\fi
194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab
\up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\t
x6977\tx7983\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 84.11%\tab \up0 \expndtw-1\charscalex100 205.66
%\tab \up0 \expndtw-1\charscalex100 107.65%\tab \up0 \expndtw-1\charscalex100 73
.20%\tab \up0 \expndtw-1\charscalex100 86.04%\par\pard\li900\sb107\sl-161\slmult
0\fi194\tx6977\tx8055\tx9059\tx10277\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 4.Return on assets (ROA) (F/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 12.61%\tab \up0 \expndtw-1\charscalex100
-5.26%\tab \up0 \expndtw-1\charscalex100 -35.37%\tab \up0 \expndtw-1\charscalex
100 7.89%\tab \up0 \expndtw-1\charscalex100 15.40%\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Management expense (E1/E)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 72.48%\tab \up0 \expndtw-1\charscalex1
00 80.96%\tab \up0 \expndtw-1\charscalex100 80.61%\tab \up0 \expndtw-1\charscale
x100 73.59%\tab \up0 \expndtw-1\charscalex100 78.25%\par\pard\li900\sb106\sl-161
\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value per share (A1/G1)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\c
harscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\c
harscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10383\tx11463 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning per share (F/G1)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.31\tab \up0 \expndtw-1\charsc
alex100 -2.11\tab \up0 \expndtw-1\charscalex100 -8.26\tab \up0 \expndtw-1\charsc
alex100 1.99\tab \up0 \expndtw-1\charscalex100 4.31\par\pard\li900\sb103\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Liqui
dity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8117\tx9197\tx1027
7\tx11357 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & c
ash equivalent to total assets (C1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 10.61%\tab \up0 \expndtw-1\charscalex100 7.61%\tab \up0 \e
xpndtw-1\charscalex100 4.48%\tab \up0 \expndtw-1\charscalex100 3.45%\tab \up0 \e
xpndtw-1\charscalex100 5.71%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx
8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Total liabilities to total assets (B/C)\tab \up0 \expndtw-1\charscalex

100 \ul0\nosupersub\cf56\f57\fs12 4.95%\tab \up0 \expndtw-1\charscalex100 0.96%\

tab \up0 \expndtw-1\charscalex100 1.56%\tab \up0 \expndtw-1\charscalex100 2.76%\
tab \up0 \expndtw-1\charscalex100 2.32%\par\pard\ql \li944\sb94\sl-184\slmult0 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 J.Capital /leverage r
atios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx6977\tx8057\tx9137\tx10217\tx112
97 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Shareholders equi
ty to total assets (A1/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 19.98%\tab \up0 \expndtw-1\charscalex100 24.88%\tab \up0 \expndtw-1\ch
arscalex100 42.80%\tab \up0 \expndtw-1\charscalex100 39.74%\tab \up0 \expndtw-1\
charscalex100 35.70%\par\pard\ql \li944\sb98\sl-184\slmult0 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flow ratio \par\pard\li900\sb92\s
l-161\slmult0\fi0\tx7143\tx8159\tx9303\tx10383\tx11463 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 Cash generated from operating activities to n
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57\fs12 1.02\tab \up0 \expndtw-1\charscalex100 -1.62\tab \up0 \expndtw-1\charsca
lex100 0.12\tab \up0 \expndtw-1\charscalex100 0.91\tab \up0 \expndtw-1\charscale
x100 0.46\par\pard\ql \li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\
slmult0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb79\sl-161\s
lmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 119
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idth}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g128}{\bkmkend Pg128}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10169 \up0 \expndtw-3\charscalex100 \ul0\

nosupersub\cf57\f58\fs24 PICIC Investment Fund\tab \up0 \expndtw-2\charscalex100

\ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmul
t0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\
nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\c
harscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\cha
rscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx1
0053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total
equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4,190,783\tab \up0 \expndtw-1\charscalex100 2,944,741\tab \up0 \expndtw-1\cha
rscalex100 1,677,360\tab \up0 \expndtw-1\charscalex100 1,828,357\tab \up0 \expnd
tw-1\charscalex100 2,072,994\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7
893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 2,841,250\tab \up0 \expndtw-1\charscalex100 2,841,250\tab \u
p0 \expndtw-1\charscalex100 2,841,250\tab \up0 \expndtw-1\charscalex100 2,841,25
0\tab \up0 \expndtw-1\charscalex100 2,841,250\par\pard\li900\sb107\sl-161\slmult
0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 225\tab \up0 \expndtw-1\charscalex100 225\tab \up0 \expndtw1\charscalex100 225\tab \up0 \expndtw-1\charscalex100 225\tab \up0 \expndtw-1\ch
arscalex100 225\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6813\tx7998\tx8924\t
x10004\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Una
ppropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 1,349,308\tab \up0 \expndtw-1\charscalex100 103,266\tab \up0 \expndtw-1\
charscalex100 (1,164,115)\tab \up0 \expndtw-1\charscalex100 (1,013,118)\tab \up0
\expndtw-1\charscalex100 (768,481)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx
6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 2,083,126\tab \up0 \expndtw-1\charscalex100 2,121,000\tab \up0 \expndtw1\charscalex100 1,334,801\tab \up0 \expndtw-1\charscalex100 1,499,878\tab \up0 \
expndtw-1\charscalex100 1,499,300\par\pard\li900\sb103\sl-184\slmult0\fi44\tx691
8\tx8058\tx9138\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 381,140\tab \up0 \expndtw-1\charscalex100 76,448\tab \
up0 \expndtw-1\charscalex100 74,919\tab \up0 \expndtw-1\charscalex100 150,225\ta
b \up0 \expndtw-1\charscalex100 120,220\par\pard\li900\sb88\sl-161\slmult0\fi194
\tx6918\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 110,963\tab \up0 \expndtw-1\charscalex100 8,44
2\tab \up0 \expndtw-1\charscalex100 5,020\tab \up0 \expndtw-1\charscalex100 5,54
7\tab \up0 \expndtw-1\charscalex100 5,954\par\pard\li900\sb106\sl-161\slmult0\fi
194\tx6918\tx8058\tx9138\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 270,177\tab \up0 \expndtw-1\charscalex100 68,006\tab \up0 \expndtw
-1\charscalex100 69,899\tab \up0 \expndtw-1\charscalex100 144,678\tab \up0 \expn
dtw-1\charscalex100 114,266\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx78
93\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 6,655,049\tab \up0 \expndtw-1\charscalex100 5,142,189\tab \up0 \
expndtw-1\charscalex100 3,087,080\tab \up0 \expndtw-1\charscalex100 3,478,460\ta
b \up0 \expndtw-1\charscalex100 3,692,514\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 783,179\tab \up0 \expndtw-1\charscalex100 425,377\tab
\up0 \expndtw-1\charscalex100 195,804\tab \up0 \expndtw-1\charscalex100 187,823
\tab \up0 \expndtw-1\charscalex100 238,064\par\pard\li900\sb106\sl-161\slmult0\f
i194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 5,637,334\tab \up0 \expndtw-1\charscalex100 4,684,995\tab \u

p0 \expndtw-1\charscalex100 2,852,840\tab \up0 \expndtw-1\charscalex100 3,248,51

8\tab \up0 \expndtw-1\charscalex100 3,376,328\par\pard\li900\sb108\sl-161\slmult
0\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 234,536\tab \up0 \expndtw-1\charscalex100 31,817\tab \up0 \exp
ndtw-1\charscalex100 38,436\tab \up0 \expndtw-1\charscalex100 42,119\tab \up0 \e
xpndtw-1\charscalex100 78,122\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\p
ard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7950\tx8924\tx10158\tx11238 \up0 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Income (a to g)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,261,168\tab \up0 \expnd
tw-1\charscalex100 (107,405)\tab \up0 \expndtw-1\charscalex100 (1,187,175)\tab \
up0 \expndtw-1\charscalex100 402,586\tab \up0 \expndtw-1\charscalex100 709,473\p
ar\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/interest inco
me\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 64,227\tab \u
p0 \expndtw-1\charscalex100 37,218\tab \up0 \expndtw-1\charscalex100 28,938\tab
\up0 \expndtw-1\charscalex100 58,058\tab \up0 \expndtw-1\charscalex100 36,871\pa
r\pard\li900\sb106\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Dividend income\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 260,111\tab \up0 \exp
ndtw-1\charscalex100 194,769\tab \up0 \expndtw-1\charscalex100 194,800\tab \up0
\expndtw-1\charscalex100 126,913\tab \up0 \expndtw-1\charscalex100 216,046\par\p
ard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future trans
actions\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \u
p0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb107\s
l-161\slmult0\fi350\tx6918\tx7998\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 d.Net gain on sale of investments\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 660,874\tab \up0 \expndtw
-1\charscalex100 179,034\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb106\sl-161
\slmult0\fi350\tx6918\tx7950\tx9030\tx10110\tx11415 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 e.Net unrealized gain/(loss) on investment\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 274,706\tab \up0 \exp
ndtw-1\charscalex100 (518,426)\tab \up0 \expndtw-1\charscalex100 (401,392)\tab \
up0 \expndtw-1\charscalex100 (269,243)\tab \up0 \expndtw-1\charscalex100 (389)\p
ar\pard\li900\sb107\sl-161\slmult0\fi350\tx7277\tx8357\tx8924\tx10157\tx11237 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 (1,017,195)\tab \up0 \expndtw-1
\charscalex100 486,850\tab \up0 \expndtw-1\charscalex100 456,945\par\pard\li900\
sb107\sl-161\slmult0\fi350\tx7053\tx8357\tx9212\tx10517\tx11597 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.Other income\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 1,250\tab \up0 \expndtw-1\charscalex1
00 0\tab \up0 \expndtw-1\charscalex100 7,674\tab \up0 \expndtw-1\charscalex100 8
\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx
6917\tx7997\tx9137\tx10157\tx11297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 E.Total expense (E1 to E5)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 174,310\tab \up0 \expndtw-1\charscalex100 144,199\tab
\up0 \expndtw-1\charscalex100 80,206\tab \up0 \expndtw-1\charscalex100 103,545\t
ab \up0 \expndtw-1\charscalex100 97,438\par\pard\li900\sb87\sl-161\slmult0\fi194
\tx6917\tx7997\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Remuneration to management co-advisor\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 110,963\tab \up0 \expndtw-1\charscalex
100 111,802\tab \up0 \expndtw-1\charscalex100 62,426\tab \up0 \expndtw-1\charsca
lex100 71,816\tab \up0 \expndtw-1\charscalex100 71,887\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx7052\tx8132\tx9212\tx10292\tx11372 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Remuneration to trustees/custodians\tab \up0

\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,128\tab \up0 \expndtw1\charscalex100 4,170\tab \up0 \expndtw-1\charscalex100 2,748\tab \up0 \expndtw1\charscalex100 3,029\tab \up0 \expndtw-1\charscalex100 3,032\par\pard\li900\sb1
07\sl-161\slmult0\fi194\tx7277\tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerage-commission /fee\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\chars
calex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100
0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Administrative and general expenses\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 53,736\tab \up0 \expndtw-1\charscalex100
24,131\tab \up0 \expndtw-1\charscalex100 11,700\tab \up0 \expndtw-1\charscalex1
00 24,805\tab \up0 \expndtw-1\charscalex100 17,736\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx7052\tx8132\tx9212\tx10292\tx11372 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 5,483\tab \up0 \expndtw-1\charscalex100 4,096\tab \up0 \ex
pndtw-1\charscalex100 3,332\tab \up0 \expndtw-1\charscalex100 3,895\tab \up0 \ex
pndtw-1\charscalex100 4,783\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6812\tx79
49\tx8924\tx10157\tx11237 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 1,086,858\tab \up0 \expndtw-1\charscalex100 (251,604)\tab
\up0 \expndtw-1\charscalex100 (1,267,381)\tab \up0 \expndtw-1\charscalex100 299
,041\tab \up0 \expndtw-1\charscalex100 612,035\par\pard\li900\sb83\sl-184\slmult
0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 G.Other items
\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6917\tx7997\tx9077\tx10157\tx11237 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of units\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 284,125\tab \up0 \expn
dtw-1\charscalex100 284,125\tab \up0 \expndtw-1\charscalex100 284,125\tab \up0 \
expndtw-1\charscalex100 284,125\tab \up0 \expndtw-1\charscalex100 284,125\par\pa
rd\li900\sb107\sl-161\slmult0\fi194\tx7007\tx8087\tx9167\tx10172\tx11252 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\c
harscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c
harscalex100 10.00%\tab \up0 \expndtw-1\charscalex100 20.00%\par\pard\li900\sb10
7\sl-161\slmult0\fi194\tx7007\tx8087\tx9167\tx10247\tx11327 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb106
\sl-161\slmult0\fi194\tx6812\tx7997\tx9029\tx10157\tx11237 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activitie
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,053,318\tab
\up0 \expndtw-1\charscalex100 628,795\tab \up0 \expndtw-1\charscalex100 (227,214
)\tab \up0 \expndtw-1\charscalex100 133,363\tab \up0 \expndtw-1\charscalex100 40
1,816\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li9
00\sb88\sl-161\slmult0\fi194\tx6977\tx7983\tx9063\tx10217\tx11297 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 74.28%\tab \up0 \expn
dtw-1\charscalex100 315.99%\tab \up0 \expndtw-1\charscalex100 118.85%\tab \up0 \
expndtw-1\charscalex100 54.05%\tab \up0 \expndtw-1\charscalex100 64.35%\par\pard
\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \exp
ndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li90
0\sb107\sl-161\slmult0\fi194\tx6977\tx7983\tx9063\tx10217\tx11297 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 86.18%\tab \up0 \
expndtw-1\charscalex100 234.26%\tab \up0 \expndtw-1\charscalex100 106.76%\tab \u

p0 \expndtw-1\charscalex100 74.28%\tab \up0 \expndtw-1\charscalex100 86.27%\par\

pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8054\tx9059\tx10277\tx11297 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (ROA)
(F/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.33%\tab
\up0 \expndtw-1\charscalex100 -4.89%\tab \up0 \expndtw-1\charscalex100 -41.05%\
tab \up0 \expndtw-1\charscalex100 8.60%\tab \up0 \expndtw-1\charscalex100 16.58%
\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management expense
(E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 63.66%\t
ab \up0 \expndtw-1\charscalex100 77.53%\tab \up0 \expndtw-1\charscalex100 77.83%
\tab \up0 \expndtw-1\charscalex100 69.36%\tab \up0 \expndtw-1\charscalex100 73.7
8%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx1140
3 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets value
per share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex1
00 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex1
00 10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10383\
tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning pe
r share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3
.83\tab \up0 \expndtw-1\charscalex100 -0.89\tab \up0 \expndtw-1\charscalex100 -4
.46\tab \up0 \expndtw-1\charscalex100 1.05\tab \up0 \expndtw-1\charscalex100 2.1
5\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx6977\tx8117\tx9197\tx10277\tx11357 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.77%\tab \up0 \expndtw-1\c
harscalex100 8.27%\tab \up0 \expndtw-1\charscalex100 6.34%\tab \up0 \expndtw-1\c
harscalex100 5.40%\tab \up0 \expndtw-1\charscalex100 6.45%\par\pard\li900\sb106\
sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.73%\tab \up0 \
expndtw-1\charscalex100 1.49%\tab \up0 \expndtw-1\charscalex100 2.43%\tab \up0 \
expndtw-1\charscalex100 4.32%\tab \up0 \expndtw-1\charscalex100 3.26%\par\pard\q
l \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\
f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\tx69
77\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 42.69%\tab \up0 \expndtw-1\charscalex100
55.25%\tab \up0 \expndtw-1\charscalex100 92.04%\tab \up0 \expndtw-1\charscalex1
00 81.68%\tab \up0 \expndtw-1\charscalex100 76.95%\par\pard\ql \li944\sb98\sl-18
4\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cash flo
w ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx8159\tx9303\tx10383\tx1
1463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash generated
from operating activities to net income (G4/F) (time)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 0.97\tab \up0 \expndtw-1\charscalex100 -2.
50\tab \up0 \expndtw-1\charscalex100 0.18\tab \up0 \expndtw-1\charscalex100 0.45
\tab \up0 \expndtw-1\charscalex100 0.66\par\pard\ql \li6000\sb0\sl-161\slmult0 \
par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \pa
r\pard\ql\li6000\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupers
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g129}{\bkmkend Pg129}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Pak Oman Advantage Fund\tab \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slm
ult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2
\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\c
harscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\t
x10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tot
al equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 1,023,307\tab \up0 \expndtw-1\charscalex100 1,103,750\tab \up0 \expndtw-1\c
harscalex100 1,120,468\tab \up0 \expndtw-1\charscalex100 1,128,690\tab \up0 \exp
ndtw-1\charscalex100 1,136,053\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\t
x7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.Certificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1,000,000\tab \up0 \expndtw-1\charscalex100 1,000,000\tab
\up0 \expndtw-1\charscalex100 1,000,000\tab \up0 \expndtw-1\charscalex100 1,000,
000\tab \up0 \expndtw-1\charscalex100 1,000,000\par\pard\li900\sb107\sl-161\slmu
lt0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\tx10158\t
x11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropria
ted profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
23,307\tab \up0 \expndtw-1\charscalex100 103,750\tab \up0 \expndtw-1\charscalex1
00 120,468\tab \up0 \expndtw-1\charscalex100 128,690\tab \up0 \expndtw-1\charsca
lex100 136,053\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8058\tx9090\tx
10170\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Othe
rs\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3,366\tab \up

0 \expndtw-1\charscalex100 10,970\tab \up0 \expndtw-1\charscalex100 (36,810)\tab

\up0 \expndtw-1\charscalex100 (16,272)\tab \up0 \expndtw-1\charscalex100 (11,25
5)\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6978\tx8133\tx9213\tx10293\tx11298
\dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities
(B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,56
1\tab \up0 \expndtw-1\charscalex100 9,190\tab \up0 \expndtw-1\charscalex100 7,61
4\tab \up0 \expndtw-1\charscalex100 9,206\tab \up0 \expndtw-1\charscalex100 10,7
37\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to invest
ment advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,9
52\tab \up0 \expndtw-1\charscalex100 7,639\tab \up0 \expndtw-1\charscalex100 6,0
24\tab \up0 \expndtw-1\charscalex100 3,438\tab \up0 \expndtw-1\charscalex100 2,7
73\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8133\tx9213\tx10293\tx1137
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 609\tab \up0 \expndtw-1\c
harscalex100 1,551\tab \up0 \expndtw-1\charscalex100 1,590\tab \up0 \expndtw-1\c
harscalex100 5,768\tab \up0 \expndtw-1\charscalex100 7,964\par\pard\li900\sb103\
sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,037,234\tab \up0 \expndtw-1\cha
rscalex100 1,123,910\tab \up0 \expndtw-1\charscalex100 1,091,272\tab \up0 \expnd
tw-1\charscalex100 1,121,624\tab \up0 \expndtw-1\charscalex100 1,135,535\par\par
d\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9138\tx10158\tx11238 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & bank balances\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 237,604\tab \up0 \expn
dtw-1\charscalex100 254,595\tab \up0 \expndtw-1\charscalex100 25,386\tab \up0 \e
xpndtw-1\charscalex100 317,413\tab \up0 \expndtw-1\charscalex100 347,618\par\par
d\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10158\tx11238 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Investments\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 647,155\tab \up0 \expndtw-1\ch
arscalex100 833,058\tab \up0 \expndtw-1\charscalex100 1,019,328\tab \up0 \expndt
w-1\charscalex100 778,421\tab \up0 \expndtw-1\charscalex100 760,974\par\pard\li9
00\sb108\sl-161\slmult0\fi194\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Others\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 152,475\tab \up0 \expndtw-1\charscalex10
0 36,257\tab \up0 \expndtw-1\charscalex100 46,558\tab \up0 \expndtw-1\charscalex
100 25,790\tab \up0 \expndtw-1\charscalex100 26,943\par\pard\li900\sb102\sl-184\
slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profi
t & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx7998\tx9078\t
x10158\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Inc
ome (a to g)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27,
568\tab \up0 \expndtw-1\charscalex100 120,221\tab \up0 \expndtw-1\charscalex100
126,464\tab \up0 \expndtw-1\charscalex100 131,176\tab \up0 \expndtw-1\charscalex
100 96,974\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx7998\tx9078\tx1015
8\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Markup/i
nterest income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
8,986\tab \up0 \expndtw-1\charscalex100 115,526\tab \up0 \expndtw-1\charscalex10
0 153,722\tab \up0 \expndtw-1\charscalex100 142,207\tab \up0 \expndtw-1\charscal
ex100 110,253\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx1
0518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Divid
end income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab
\up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb10
7\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 c.Income from future transactions\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscal
ex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\
fi350\tx7278\tx8358\tx9090\tx10244\tx11250 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 d.Net gain on sale of investments\tab \up0 \expndtw-1\cha

rscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\t

ab \up0 \expndtw-1\charscalex100 (13,140)\tab \up0 \expndtw-1\charscalex100 (9,3
29)\tab \up0 \expndtw-1\charscalex100 (17,329)\par\pard\li900\sb106\sl-161\slmul
t0\fi350\tx7143\tx8133\tx9090\tx10244\tx11373 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 e.Net unrealized gain/(loss) on investment\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 671\tab \up0 \expndtw-1\cha
rscalex100 1,952\tab \up0 \expndtw-1\charscalex100 (14,262)\tab \up0 \expndtw-1\
charscalex100 (1,702)\tab \up0 \expndtw-1\charscalex100 4,050\par\pard\li900\sb1
07\sl-161\slmult0\fi350\tx7053\tx8133\tx9437\tx10517\tx11597 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 6,472\tab \up0 \expndtw-1\charscalex100
2,415\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\ta
b \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx70
53\tx8223\tx9303\tx10517\tx11597 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 g.Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,439\tab \up0 \expndtw-1\charscalex100 328\tab \up0 \expndtw-1\char
scalex100 144\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex
100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx7053\tx8057\tx9137\tx10217\tx11
297 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Total expense
(E1 to E5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,261
\tab \up0 \expndtw-1\charscalex100 18,273\tab \up0 \expndtw-1\charscalex100 19,7
46\tab \up0 \expndtw-1\charscalex100 26,904\tab \up0 \expndtw-1\charscalex100 20
,499\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7053\tx8057\tx9137\tx10217\tx112
97 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to
management co-advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 1,832\tab \up0 \expndtw-1\charscalex100 13,464\tab \up0 \expndtw-1\charsc
alex100 13,342\tab \up0 \expndtw-1\charscalex100 13,478\tab \up0 \expndtw-1\char
scalex100 13,386\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8133\tx9213\
tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Re
muneration to trustees/custodians\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 287\tab \up0 \expndtw-1\charscalex100 1,230\tab \up0 \expndtw1\charscalex100 1,328\tab \up0 \expndtw-1\charscalex100 1,338\tab \up0 \expndtw1\charscalex100 1,332\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7217\tx8223\tx
9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Brokerage-commission /fee\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 92\tab \up0 \expndtw-1\charscalex100 191\tab \up0 \expndtw-1\charsc
alex100 108\tab \up0 \expndtw-1\charscalex100 210\tab \up0 \expndtw-1\charscalex
100 277\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\t
x11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrat
ive and general expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 2,050\tab \up0 \expndtw-1\charscalex100 3,353\tab \up0 \expndtw-1\chars
calex100 4,759\tab \up0 \expndtw-1\charscalex100 7,531\tab \up0 \expndtw-1\chars
calex100 3,265\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7277\tx8297\tx9303\tx
10293\tx11373 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Othe
r\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \ex
pndtw-1\charscalex100 35\tab \up0 \expndtw-1\charscalex100 209\tab \up0 \expndtw
-1\charscalex100 4,347\tab \up0 \expndtw-1\charscalex100 2,239\par\pard\li900\sb
103\sl-184\slmult0\fi44\tx6977\tx7997\tx9077\tx10157\tx11297 \dn3 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Net income for the year (D1-E)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,307\tab \up0 \expnd
tw-1\charscalex100 101,948\tab \up0 \expndtw-1\charscalex100 106,718\tab \up0 \e
xpndtw-1\charscalex100 104,272\tab \up0 \expndtw-1\charscalex100 76,475\par\pard
\li900\sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
53\f54\fs16 G.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6917\tx8057
\tx9077\tx10157\tx11237 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.No. of units\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 100,000\tab \up0 \expndtw-1\charscalex100 10,000\tab \up0 \expndtw-1\charscal
ex100 100,000\tab \up0 \expndtw-1\charscalex100 100,000\tab \up0 \expndtw-1\char
scalex100 100,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168
\tx10173\tx11253 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.C

ash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.0

0%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 9.6
1%\tab \up0 \expndtw-1\charscalex100 10.38%\tab \up0 \expndtw-1\charscalex100 10
.17%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11
328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend
/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.
00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.
00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.
00%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6870\tx8057\tx9030\tx10157\tx112
37 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated
from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 (762,396)\tab \up0 \expndtw-1\charscalex100 38,491\tab \up0 \expndtw-1
\charscalex100 (114,209)\tab \up0 \expndtw-1\charscalex100 388,077\tab \up0 \exp
ndtw-1\charscalex100 133,975\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Efficiency ratios/profitabil
ity ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8117\tx9059\tx10215
\tx11219 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain rati
o (D1c to D1g)/D1\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 31.13%\tab \up0 \expndtw-1\charscalex100 3.91%\tab \up0 \expndtw-1\charscalex1
00 -21.55%\tab \up0 \expndtw-1\charscalex100 -8.41%\tab \up0 \expndtw-1\charscal
ex100 -13.69%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx1
0277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Tradi
ng income (D1c/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex1
00 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex1
00 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\
tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on
revenue (ROR) (F/D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 84.54%\tab \up0 \expndtw-1\charscalex100 84.80%\tab \up0 \expndtw-1\charsca
lex100 84.39%\tab \up0 \expndtw-1\charscalex100 79.49%\tab \up0 \expndtw-1\chars
calex100 78.86%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\t
x10277\tx11357 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Ret
urn on assets (ROA) (F/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 2.25%\tab \up0 \expndtw-1\charscalex100 9.07%\tab \up0 \expndtw-1\char
scalex100 9.78%\tab \up0 \expndtw-1\charscalex100 9.30%\tab \up0 \expndtw-1\char
scalex100 6.73%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\t
x10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Man
agement expense (E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 42.99%\tab \up0 \expndtw-1\charscalex100 73.68%\tab \up0 \expndtw-1\chars
calex100 67.57%\tab \up0 \expndtw-1\charscalex100 50.10%\tab \up0 \expndtw-1\cha
rscalex100 65.30%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8088\tx9243
\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.N
et assets value per share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 10.00\tab \up0 \expndtw-1\charscalex100 100.00\tab \up0 \expnd
tw-1\charscalex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expnd
tw-1\charscalex100 10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8163
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 7.Earning per share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0.23\tab \up0 \expndtw-1\charscalex100 10.19\tab \up0 \expndtw-1\
charscalex100 1.07\tab \up0 \expndtw-1\charscalex100 1.04\tab \up0 \expndtw-1\ch
arscalex100 0.76\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl161\slmult0\fi194\tx6977\tx8057\tx9197\tx10217\tx11297 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/
C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 22.91%\tab \u
p0 \expndtw-1\charscalex100 22.65%\tab \up0 \expndtw-1\charscalex100 2.33%\tab \
up0 \expndtw-1\charscalex100 28.30%\tab \up0 \expndtw-1\charscalex100 30.61%\par
\pard\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to t
otal assets (B/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1

2 1.02%\tab \up0 \expndtw-1\charscalex100 0.82%\tab \up0 \expndtw-1\charscalex10

0 0.70%\tab \up0 \expndtw-1\charscalex100 0.82%\tab \up0 \expndtw-1\charscalex10
0 0.95%\par\pard\ql \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-16
1\slmult0\fi0\tx6977\tx8057\tx9137\tx10217\tx11297 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 96.41%\tab \up0 \expnd
tw-1\charscalex100 88.98%\tab \up0 \expndtw-1\charscalex100 91.64%\tab \up0 \exp
ndtw-1\charscalex100 89.16%\tab \up0 \expndtw-1\charscalex100 88.06%\par\pard\ql
\li944\sb98\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f
54\fs16 K.Cash flow ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7004\tx8223\
tx9239\tx10383\tx11463 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 Cash generated from operating activities to net income (G4/F) (time)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -32.71\tab \up0 \expndtw
-1\charscalex100 0.38\tab \up0 \expndtw-1\charscalex100 -1.07\tab \up0 \expndtw1\charscalex100 3.72\tab \up0 \expndtw-1\charscalex100 1.75\par\pard\ql \li6000\
sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb
0\sl-161\slmult0 \par\pard\ql\li6000\sb79\sl-161\slmult0 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 121
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g130}{\bkmkend Pg130}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\

nosupersub\cf57\f58\fs24 Safeway Mutual Fund\tab \up0 \expndtw-2\charscalex100 \

ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0
\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\cha
rscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\chars
calex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7998\tx9078\tx101
58\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total e
quity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1,122,223\tab \up0 \expndtw-1\charscalex100 884,832\tab \up0 \expndtw-1\charsca
lex100 533,528\tab \up0 \expndtw-1\charscalex100 682,498\tab \up0 \expndtw-1\cha
rscalex100 661,979\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078
\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.C
ertificate holders equity\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 544,500\tab \up0 \expndtw-1\charscalex100 544,500\tab \up0 \expndtw-1\
charscalex100 544,500\tab \up0 \expndtw-1\charscalex100 544,500\tab \up0 \expndt
w-1\charscalex100 544,500\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx799
8\tx9164\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
211,969\tab \up0 \expndtw-1\charscalex100 105,678\tab \up0 \expndtw-1\charscalex
100 (6,435)\tab \up0 \expndtw-1\charscalex100 33,000\tab \up0 \expndtw-1\charsca
lex100 33,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9164\tx1
0158\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unapp
ropriated profit/loss\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 365,754\tab \up0 \expndtw-1\charscalex100 234,654\tab \up0 \expndtw-1\char
scalex100 (4,537)\tab \up0 \expndtw-1\charscalex100 104,998\tab \up0 \expndtw-1\
charscalex100 84,479\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9
438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \
up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \exp
ndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\
sl-184\slmult0\fi44\tx6978\tx8133\tx9213\tx10293\tx11373 \dn3 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27,270\tab \up0 \expndtw-1\ch
arscalex100 7,687\tab \up0 \expndtw-1\charscalex100 1,934\tab \up0 \expndtw-1\ch
arscalex100 2,252\tab \up0 \expndtw-1\charscalex100 2,338\par\pard\li900\sb88\sl
-161\slmult0\fi194\tx6978\tx8133\tx9303\tx10293\tx11373 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 1.Payable to investment advisor\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,614\tab \up0 \expndtw-1\c
harscalex100 1,706\tab \up0 \expndtw-1\charscalex100 915\tab \up0 \expndtw-1\cha
rscalex100 1,129\tab \up0 \expndtw-1\charscalex100 1,118\par\pard\li900\sb106\sl
-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Others\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 10,656\tab \up0 \expndtw-1\charscalex100 5,981\tab
\up0 \expndtw-1\charscalex100 1,019\tab \up0 \expndtw-1\charscalex100 1,123\tab
\up0 \expndtw-1\charscalex100 1,220\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6
813\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 C.Total assets (C1 to C3)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 1,149,493\tab \up0 \expndtw-1\charscalex100 892,519\tab
\up0 \expndtw-1\charscalex100 535,462\tab \up0 \expndtw-1\charscalex100 684,750\
tab \up0 \expndtw-1\charscalex100 664,317\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx6978\tx8058\tx9213\tx10158\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Cash & bank balances\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 98,877\tab \up0 \expndtw-1\charscalex100 13,066\tab \
up0 \expndtw-1\charscalex100 1,381\tab \up0 \expndtw-1\charscalex100 100,373\tab
\up0 \expndtw-1\charscalex100 995\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6
813\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1,038,085\tab \up0 \expndtw-1\charscalex100 846,114\tab \up0 \expndt
w-1\charscalex100 529,901\tab \up0 \expndtw-1\charscalex100 579,764\tab \up0 \ex

pndtw-1\charscalex100 658,398\par\pard\li900\sb108\sl-161\slmult0\fi194\tx6978\t
x8058\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 3.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 12,531\tab \up0 \expndtw-1\charscalex100 33,339\tab \up0 \expndtw-1\charscalex
100 4,180\tab \up0 \expndtw-1\charscalex100 4,613\tab \up0 \expndtw-1\charscalex
100 4,924\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-16
1\slmult0\fi194\tx6918\tx8133\tx9030\tx10158\tx11298 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Income (a to g)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 253,665\tab \up0 \expndtw-1\charscalex100 6,5
54\tab \up0 \expndtw-1\charscalex100 (170,271)\tab \up0 \expndtw-1\charscalex100
130,886\tab \up0 \expndtw-1\charscalex100 95,835\par\pard\li900\sb107\sl-161\sl
mult0\fi350\tx7278\tx8133\tx9213\tx10383\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 a.Markup/interest income\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 1,427\
tab \up0 \expndtw-1\charscalex100 1,731\tab \up0 \expndtw-1\charscalex100 389\ta
b \up0 \expndtw-1\charscalex100 12,249\par\pard\li900\sb106\sl-161\slmult0\fi350
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 b.Dividend income\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 17,759\tab \up0 \expndtw-1\charscalex100 31,549\tab \up0 \ex
pndtw-1\charscalex100 24,816\tab \up0 \expndtw-1\charscalex100 18,558\tab \up0 \
expndtw-1\charscalex100 27,177\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\
tx8358\tx9213\tx10517\tx11597 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 c.Income from future transactions\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 3,566\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw1\charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6917\tx7997\tx9030
\tx10157\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 d.N
et gain on sale of investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 224,189\tab \up0 \expndtw-1\charscalex100 110,830\tab \up0 \expnd
tw-1\charscalex100 (112,820)\tab \up0 \expndtw-1\charscalex100 148,272\tab \up0
\expndtw-1\charscalex100 45,539\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7053
\tx7950\tx9090\tx10170\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 e.Net unrealized gain/(loss) on investment\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 6,455\tab \up0 \expndtw-1\charscalex100 (1
44,856)\tab \up0 \expndtw-1\charscalex100 (89,352)\tab \up0 \expndtw-1\charscale
x100 (47,083)\tab \up0 \expndtw-1\charscalex100 10,845\par\pard\li900\sb107\sl-1
61\slmult0\fi350\tx7277\tx8357\tx9437\tx10517\tx11597 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 f.Capital gain\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx8133\tx921
3\tx10217\tx11537 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 g.
Other income\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,2
62\tab \up0 \expndtw-1\charscalex100 7,604\tab \up0 \expndtw-1\charscalex100 1,7
88\tab \up0 \expndtw-1\charscalex100 10,750\tab \up0 \expndtw-1\charscalex100 25
\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6977\tx8057\tx9137\tx10217\tx11297 \
dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Total expense (E1 t
o E5)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34,702\tab
\up0 \expndtw-1\charscalex100 28,754\tab \up0 \expndtw-1\charscalex100 55,308\t
ab \up0 \expndtw-1\charscalex100 21,351\tab \up0 \expndtw-1\charscalex100 17,255
\par\pard\li900\sb87\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11297 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Remuneration to man
agement co-advisor\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 16,614\tab \up0 \expndtw-1\charscalex100 20,933\tab \up0 \expndtw-1\charscale
x100 11,812\tab \up0 \expndtw-1\charscalex100 14,119\tab \up0 \expndtw-1\charsca
lex100 13,800\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7277\tx8133\tx9303\tx1
0383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Remun
eration to trustees/custodians\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 1,471\tab \up0 \expndtw-1\cha

rscalex100 804\tab \up0 \expndtw-1\charscalex100 687\tab \up0 \expndtw-1\charsca

lex100 613\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7277\tx8133\tx9303\tx1038
3\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Brokerag
e-commission /fee\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0\tab \up0 \expndtw-1\charscalex100 1,254\tab \up0 \expndtw-1\charscalex100 57
3\tab \up0 \expndtw-1\charscalex100 671\tab \up0 \expndtw-1\charscalex100 656\pa
r\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9137\tx10293\tx11373 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Administrative and ge
neral expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2
,772\tab \up0 \expndtw-1\charscalex100 5,044\tab \up0 \expndtw-1\charscalex100 4
1,950\tab \up0 \expndtw-1\charscalex100 5,864\tab \up0 \expndtw-1\charscalex100
2,186\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8297\tx9303\tx10457\tx1
1597 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Other\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 15,316\tab \up0 \expndt
w-1\charscalex100 52\tab \up0 \expndtw-1\charscalex100 169\tab \up0 \expndtw-1\c
harscalex100 10\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\
slmult0\fi44\tx6917\tx8010\tx9030\tx10157\tx11297 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 F.Net income for the year (D1-E)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 218,963\tab \up0 \expndtw-1\chars
calex100 (22,200)\tab \up0 \expndtw-1\charscalex100 (225,579)\tab \up0 \expndtw1\charscalex100 109,535\tab \up0 \expndtw-1\charscalex100 78,580\par\pard\li900\
sb83\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 G.Other items\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6977\tx8057\tx9137
\tx10217\tx11297 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.N
o. of units\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54,4
50\tab \up0 \expndtw-1\charscalex100 54,450\tab \up0 \expndtw-1\charscalex100 54
,450\tab \up0 \expndtw-1\charscalex100 54,450\tab \up0 \expndtw-1\charscalex100
54,450\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10173\tx
11624 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividen
d\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 18.20%\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 -\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx916
8\tx10248\tx11624 \dn2 \expndtw-2\charscalex100 3.Stock dividend/bonus shares\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 -\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6977\tx8010\tx9164\tx1
0217\tx11250 \dn2 \expndtw-2\charscalex100 4.Cash generated from operating activ
ities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 89,679\tab
\up0 \expndtw-1\charscalex100 (85,812)\tab \up0 \expndtw-1\charscalex100 (9,069
)\tab \up0 \expndtw-1\charscalex100 98,992\tab \up0 \expndtw-1\charscalex100 (99
,378)\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 H.Efficiency ratios/profitability ratios\par\pard\li9
00\sb88\sl-161\slmult0\fi194\tx6977\tx7919\tx9063\tx10217\tx11297 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gain ratio (D1c to D1g)/D1\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93.00%\tab \up0 \expn
dtw-1\charscalex100 -403.14%\tab \up0 \expndtw-1\charscalex100 115.59%\tab \up0
\expndtw-1\charscalex100 85.52%\tab \up0 \expndtw-1\charscalex100 58.86%\par\par
d\li900\sb106\sl-161\slmult0\fi194\tx7037\tx8117\tx9135\tx10277\tx11357 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Trading income (D1c/D1)\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 -2.09%\tab \up0 \e
xpndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li
900\sb107\sl-161\slmult0\fi194\tx6977\tx7919\tx9063\tx10217\tx11297 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on revenue (ROR) (F/D1)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 86.32%\tab \up0
\expndtw-1\charscalex100 -338.72%\tab \up0 \expndtw-1\charscalex100 132.48%\tab
\up0 \expndtw-1\charscalex100 83.69%\tab \up0 \expndtw-1\charscalex100 82.00%\p
ar\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8055\tx9059\tx10217\tx11297 \d

n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on assets (RO

A) (F/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.05%\
tab \up0 \expndtw-1\charscalex100 -2.49%\tab \up0 \expndtw-1\charscalex100 -42.1
3%\tab \up0 \expndtw-1\charscalex100 16.00%\tab \up0 \expndtw-1\charscalex100 11
.83%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6977\tx8057\tx9137\tx10217\tx11
297 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Management exp
ense (E1/E)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 47.8
8%\tab \up0 \expndtw-1\charscalex100 72.80%\tab \up0 \expndtw-1\charscalex100 21
.36%\tab \up0 \expndtw-1\charscalex100 66.13%\tab \up0 \expndtw-1\charscalex100
79.98%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx
11403 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Net assets v
alue per share (A1/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charsca
lex100 10.00\tab \up0 \expndtw-1\charscalex100 10.00\tab \up0 \expndtw-1\charsca
lex100 10.00\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8159\tx9239\tx10
383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earnin
g per share (F/G1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4.02\tab \up0 \expndtw-1\charscalex100 -0.41\tab \up0 \expndtw-1\charscalex10
0 -4.14\tab \up0 \expndtw-1\charscalex100 2.01\tab \up0 \expndtw-1\charscalex100
1.44\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 I.Liquidity ratios\par\pard\li900\sb88\sl-161\slmult0
\fi194\tx7037\tx8117\tx9197\tx10217\tx11357 \up0 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Cash & cash equivalent to total assets (C1/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.60%\tab \up0 \expndtw1\charscalex100 1.46%\tab \up0 \expndtw-1\charscalex100 0.26%\tab \up0 \expndtw1\charscalex100 14.66%\tab \up0 \expndtw-1\charscalex100 0.15%\par\pard\li900\sb
106\sl-161\slmult0\fi194\tx7037\tx8117\tx9197\tx10277\tx11357 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.37%\tab \u
p0 \expndtw-1\charscalex100 0.86%\tab \up0 \expndtw-1\charscalex100 0.36%\tab \u
p0 \expndtw-1\charscalex100 0.33%\tab \up0 \expndtw-1\charscalex100 0.35%\par\pa
rd\ql \li944\sb94\sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 J.Capital /leverage ratios \par\pard\li900\sb97\sl-161\slmult0\fi0\
tx6977\tx8057\tx9063\tx10217\tx11297 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 Shareholders equity to total assets (A1/C)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 47.37%\tab \up0 \expndtw-1\charscale
x100 61.01%\tab \up0 \expndtw-1\charscalex100 101.69%\tab \up0 \expndtw-1\charsc
alex100 79.52%\tab \up0 \expndtw-1\charscalex100 81.96%\par\pard\ql \li944\sb98\
sl-184\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 K.Cas
h flow ratio \par\pard\li900\sb92\sl-161\slmult0\fi0\tx7143\tx8223\tx9303\tx1038
3\tx11399 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 Cash gener
ated from operating activities to net income (G4/F) (time)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0.41\tab \up0 \expndtw-1\charscalex10
0 3.87\tab \up0 \expndtw-1\charscalex100 0.04\tab \up0 \expndtw-1\charscalex100
0.90\tab \up0 \expndtw-1\charscalex100 -1.26\par\pard\ql \li6000\sb0\sl-161\slmu
lt0 \par\pard\ql\li6000\sb0\sl-161\slmult0 \par\pard\ql\li6000\sb0\sl-161\slmult
0 \par\pard\ql\li6000\sb79\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nos
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2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a
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2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a
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2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a
2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a
2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a2800a28a
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2803ffd9}}}}}\pard\sb0\sl-240{\bkmkstart Pg131}{\bkmkend Pg131}\par\pard\li6629\
sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184\slmult0\par\pard\li6629\sb0\sl-184
\slmult0\par\pard\li6629\sb19\sl-184\slmult0\fi0\tx10125 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Financial Sec
tor\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\
ql \li1728\sb0\sl-299\slmult0 \par\pard\ql\li1728\sb239\sl-299\slmult0 \up0 \exp
ndtw0\charscalex100 \ul0\nosupersub\cf22\f23\fs32 M\ul0\nosupersub\cf23\f24\fs26
ODARABA \ul0\nosupersub\cf22\f23\fs32 C\ul0\nosupersub\cf23\f24\fs26 OMPANIES \
par\pard\ql \li1728\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb0\sl-218\slmult0 \p
ar\pard\ql\li1728\sb112\sl-218\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosuper
sub\cf29\f30\fs24 P\ul0\nosupersub\cf42\f43\fs19 ERFORMANCE AT A \ul0\nosupersub
\cf29\f30\fs24 G\ul0\nosupersub\cf42\f43\fs19 LANCE \par\pard\qj \li1728\ri1246\
sb269\sl-380\slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf25\f26\fs22
Modaraba Companies performed well during FY11. Total assets increased from Rs. 2
4.5 billion in \up0 \expndtw0\charscalex105 FY10 to Rs 26.3 billion in FY11
showing an increase of 7.6 percent over FY10. Total equity \up0 \expndtw0\char
scalex104 witnessed an increase of 7.6 percent in FY11 over FY10. Profit before
and after tax, significantly \up0 \expndtw-3\charscalex100 increased by 74.5 per
cent & 67.2 percent respectively in FY11. \par\pard\ql \li1728\sb0\sl-218\slmult
0 \par\pard\ql\li1728\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb98\sl-218\slmult0
\up0 \expndtw0\charscalex101 \ul0\nosupersub\cf29\f30\fs24 A\ul0\nosupersub\cf4
2\f43\fs19 NALYSIS OF \ul0\nosupersub\cf29\f30\fs24 B\ul0\nosupersub\cf42\f43\fs
19 ALANCE \ul0\nosupersub\cf29\f30\fs24 S\ul0\nosupersub\cf42\f43\fs19 HEET \ul0
\nosupersub\cf29\f30\fs24 C\ul0\nosupersub\cf42\f43\fs19 OMPONENTS\par\pard\sect
\sectd\sbknone\cols3\colno1\colw6610\colsr160\colno2\colw3594\colsr160\colno3\co
lw1586\colsr160\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li1728\sb148\sl-253\
slmult0 \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf25\f26\fs22 All major co
mponents of the balance sheet, i.e.,\par\pard\qj \li1728\ri533\sb22\sl-379\slmul
t0 \up0 \expndtw-1\charscalex100 assets, liabilities, and certificate holders\u8
217? equity \line \up0 \expndtw0\charscalex101 witnessed increases in FY11 over
FY10. Total \line \up0 \expndtw0\charscalex102 equity increased from Rs 11.4 bil
lion in FY10 \line \up0 \expndtw0\charscalex100 to Rs 12.3 billion in FY11 showi

ng an increase \line \up0 \expndtw0\charscalex102 of around 7.6 percent. Total

assets at Rs 26.3 \line \up0 \expndtw0\charscalex103 billion in FY11 increased
from 24.5 billion in \line \up0 \expndtw0\charscalex103 FY10, showing an increas
e of 7.6 percent in\par\pard\column \ql \li6950\sb0\sl-230\slmult0 \par\pard\q
l \li6950\sb0\sl-230\slmult0 \par\pard\ql \li598\sb23\sl-230\slmult0 \up0 \expnd
tw-9\charscalex96 \ul0\nosupersub\cf144\f145\fs20 Components of Balance Sheets\p
ar\pard\ql \li200\sb121\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf143\f144\fs14 30\par\pard\ql \li200\sb50\sl-161\slmult0\tx1120\tx3241 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf142\f143\fs14 25\tab \up0 \expndtw3\charscalex100 7.6%\tab \up0 \expndtw-3\charscalex100 7.6%\par\pard\ql \li200\s
b51\sl-161\slmult0 \up0 \expndtw-2\charscalex100 20\par\pard\ql \li200\sb49\sl-1
61\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf143\f144\fs14 15\par\
pard\ql \li200\sb51\sl-161\slmult0\tx2181 \up0 \expndtw-2\charscalex100 10\tab \
up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf142\f143\fs14 7.1%\par\pard\ql \l
i263\sb50\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf143\f14
4\fs14 5\par\pard\ql \li263\sb51\sl-161\slmult0 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf142\f143\fs14 0\par\pard\ql \li678\sb0\sl-126\slmult0\tx1665\tx2
805 \up0 \expndtw-6\charscalex96 Total Equity\tab \up0 \expndtw-6\charscalex100
Total Liabilities\tab \up0 \expndtw-5\charscalex100 Total Assets\par\pard\ql \li
21\sb63\sl-161\slmult0\tx876\tx1936\tx2997 \up0 \expndtw-5\charscalex100 \ul0\no
supersub\cf143\f144\fs14 FY 10\tab \up0 \expndtw-3\charscalex100 11.4\tab \up0 \
expndtw-3\charscalex100 13.0\tab \up0 \expndtw-3\charscalex100 24.5\par\pard\ql
\li21\sb76\sl-161\slmult0\tx876\tx1936\tx2997 \up0 \expndtw-5\charscalex100 \ul0
\nosupersub\cf142\f143\fs14 FY 11\tab \up0 \expndtw-3\charscalex100 12.3\tab \up
0 \expndtw-3\charscalex100 13.9\tab \up0 \expndtw-3\charscalex100 26.3\par\pard\
ql \li20\sb77\sl-161\slmult0\tx866\tx1927\tx2987 \up0 \expndtw-6\charscalex100 G
rowth\tab \up0 \expndtw-3\charscalex100 7.6%\tab \up0 \expndtw-3\charscalex100 7
.1%\tab \up0 \expndtw-3\charscalex100 7.6%\par\pard\column \ql \li10514\sb0\sl-1
61\slmult0 \par\pard\ql \li10514\sb0\sl-161\slmult0 \par\pard\ql \li10514\sb0\sl
-161\slmult0 \par\pard\ql \li10514\sb0\sl-161\slmult0 \par\pard\ql \li10514\sb0\
sl-161\slmult0 \par\pard\ql \li20\sb29\sl-161\slmult0 \up0 \expndtw-3\charscalex
100 \ul0\nosupersub\cf143\f144\fs14 7.7%\par\pard\qj \li20\ri1260\sb16\sl-253\sl
mult0 \up0 \expndtw-3\charscalex100 7.5% \line \up0 \expndtw-3\charscalex100 7.3
%\par\pard\qj \li20\ri1260\sb1\sl-253\slmult0 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf142\f143\fs14 7.1% \line \up0 \expndtw-3\charscalex100 6.9% \line
\up0 \expndtw-3\charscalex100 6.7% \par\pard\sect\sectd\sbknone \qj \li1728\ri12
63\sb19\sl-380\slmult0 \up0 \expndtw0\charscalex100 \ul0\nosupersub\cf25\f26\fs2
2 FY11. Reserves increased by 12.5 percent during FY11. In absolute terms, the a
mount of reserves \line \up0 \expndtw-3\charscalex100 increased from Rs. 4.2 bil
lion in FY10 to Rs. 4.8 billion in FY11. Total certificate capital increased by
\par\pard\qj \li1728\ri1259\sb1\sl-380\slmult0 \up0 \expndtw0\charscalex102 3.6
percent in FY11 over FY10. Long-term investments increased from Rs 2.3 billion
to Rs. 2.8 \up0 \expndtw-3\charscalex100 billion during the current year. \par\p
ard\ql \li1728\sb0\sl-218\slmult0 \par\pard\ql\li1728\sb196\sl-218\slmult0 \up0
\expndtw0\charscalex100 \ul0\nosupersub\cf29\f30\fs24 P\ul0\nosupersub\cf42\f43\
fs19 ROFITABILITY AND \ul0\nosupersub\cf29\f30\fs24 O\ul0\nosupersub\cf42\f43\fs
19 PERATING \ul0\nosupersub\cf29\f30\fs24 E\ul0\nosupersub\cf42\f43\fs19 FFICIEN
CY\par\pard\sect\sectd\sbknone\cols3\colno1\colw7798\colsr60\colno2\colw1229\col
sr40\colno3\colw2983\colsr160\ql \li1728\sb0\sl-253\slmult0 \par\pard\ql \li1728
\sb49\sl-253\slmult0\tx6860 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf25\f2
6\fs22 Gross revenue increased from Rs 5.3 billion in\tab \up0 \expndtw-8\charsc
alex94 \ul0\nosupersub\cf145\f146\fs14 Operating Profit\par\pard\ql \li1728\sb12
9\sl-253\slmult0 \up0 \expndtw0\charscalex104 \ul0\nosupersub\cf25\f26\fs22 FY10
to Rs 5.9 billion in FY11, recording an\par\pard\ql \li1728\sb126\sl-253\slmult
0\tx6958 \up0 \expndtw0\charscalex100 increase of around 11.5 percent over FY10.
On\tab \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf145\f146\fs14 15\par\par
d\ql \li1728\sb127\sl-253\slmult0\tx6958 \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf25\f26\fs22 the other hand, operating expenses increased by\tab \up0 \e
xpndtw-5\charscalex100 \ul0\nosupersub\cf146\f147\fs14 10\par\pard\ql \li1728\sb
126\sl-253\slmult0\tx2141 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf25\f26

\fs22 7.8\tab \up0 \expndtw0\charscalex101 percent in FY11 \up0 \expndtw0\char

scalex100 over FY10. Operating\par\pard\ql \li1728\sb126\sl-253\slmult0\tx7020
\up0 \expndtw0\charscalex105 profit increased from Rs 4.1 billion to Rs 4.6\tab
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf145\f146\fs14 5\par\pard\ql \li
1728\sb126\sl-253\slmult0\tx7020 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf
25\f26\fs22 billion in FY11 i.e. an increase of 12.5 percent\tab \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf145\f146\fs14 0\par\pard\column \ql \li8009\sb0
\sl-161\slmult0 \par\pard\ql \li8009\sb0\sl-161\slmult0 \par\pard\ql \li171\sb12
2\sl-161\slmult0 \up0 \expndtw-6\charscalex94 Operating Expenses\par\pard\ql \li
7858\sb0\sl-161\slmult0 \par\pard\ql \li7858\sb0\sl-161\slmult0 \par\pard\ql \li
7858\sb0\sl-161\slmult0 \par\pard\ql \li7858\sb0\sl-161\slmult0 \par\pard\ql \li
7858\sb0\sl-161\slmult0 \par\pard\ql \li7858\sb0\sl-161\slmult0 \par\pard\ql \li
20\sb125\sl-161\slmult0 \up0 \expndtw-5\charscalex100 4.1\par\pard\ql \li20\sb12
6\sl-161\slmult0 \up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf146\f147\fs14 1
.2\par\pard\ql \li7858\sb0\sl-161\slmult0 \par\pard\ql \li20\sb32\sl-161\slmult0
\up0 \expndtw-5\charscalex100 \ul0\nosupersub\cf145\f146\fs14 5.3\par\pard\colu
mn \ql \li9117\sb0\sl-161\slmult0 \par\pard\ql \li9117\sb0\sl-161\slmult0 \par\p
ard\ql \li249\sb122\sl-161\slmult0 \up0 \expndtw-6\charscalex95 Gross Revenue\pa
r\pard\ql \li9117\sb0\sl-161\slmult0 \par\pard\ql \li9117\sb0\sl-161\slmult0 \pa
r\pard\ql \li9117\sb0\sl-161\slmult0 \par\pard\ql \li9117\sb0\sl-161\slmult0 \pa
r\pard\ql \li9117\sb0\sl-161\slmult0 \par\pard\ql \li9117\sb0\sl-161\slmult0 \pa
r\pard\ql \li20\sb21\sl-161\slmult0 \up0 \expndtw-5\charscalex100 4.6\par\pard\q
l \li20\sb159\sl-161\slmult0 \up0 \expndtw-5\charscalex100 1.3\par\pard\ql \li91
17\sb0\sl-161\slmult0 \par\pard\ql \li20\sb70\sl-161\slmult0 \up0 \expndtw-5\cha
rscalex100 5.9\par\pard\sect\sectd\sbknone\cols2\colno1\colw7542\colsr160\colno2
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\ul0\nosupersub\cf25\f26\fs22 over FY10. Profit before tax increased to Rs 1.4\
par\pard\column \ql \li20\sb106\sl-161\slmult0\tx1284 \up0 \expndtw-6\charscalex
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arscalex100 \ul0\nosupersub\cf25\f26\fs22 billion in FY11 as compared to Rs 799
million in FY10, recording an increase of 74.5 percent in FY11 \par\pard\ql \li6
145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb92\sl-276\slmult0 \up0 \expndtw-3\c
harscalex100 \ul0\nosupersub\cf17\f18\fs24 123 \par\pard\sect\sectd\fs24\paperw1
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51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400

51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
51451400514514005145140051451400514514005145140051451400514514005145140051451400
514514005145140051451400514514005145140051451400514514005145140051451401ffd9}}}}
}\pard\sb0\sl-240{\bkmkstart Pg132}{\bkmkend Pg132}\par\pard\li1728\sb0\sl-184\s
lmult0\par\pard\li1728\sb0\sl-184\slmult0\par\pard\li1728\sb0\sl-184\slmult0\par
\pard\li1728\sb19\sl-184\slmult0\fi4901\tx10125 \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf1\f2\fs16 Financial Statement Analysis of Financial Sector\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf8\f9\fs16 2011\par\pard\li1728\sb
0\sl-253\slmult0\par\pard\li1728\sb235\sl-253\slmult0\fi0 \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf25\f26\fs22 over FY10. Similarly, profit after tax als
o increased from Rs 781 million in FY10 to Rs 1.3 billion in\par\pard\li1728\sb1
27\sl-253\slmult0\fi0 \up0 \expndtw-2\charscalex100 FY11, registering an increas
e of around 67.2 percent.\par\pard\sect\sectd\sbknone\cols3\colno1\colw6226\cols
r160\colno2\colw1832\colsr20\colno3\colw3872\colsr160\ql \li1728\sb0\sl-253\slmu
lt0 \par\pard\ql \li1728\sb79\sl-253\slmult0 \up0 \expndtw-3\charscalex100 Retur
n on assets (ROA), return on equity (ROE)\par\pard\ql \li1728\sb127\sl-253\slmul
t0 \up0 \expndtw0\charscalex107 and Return on capital employed \up0 \expndtw
-3\charscalex100 (ROCE)\par\pard\qj \li1728\ri146\sb22\sl-380\slmult0 \up0 \expn
dtw0\charscalex102 witnessed increase in FY11 over FY10. ROA \line \up0 \expndt
w0\charscalex102 increased from 3.19 percent in FY10 to 4.95 \line \up0 \expn
dtw0\charscalex100 percent in FY11. ROE increased from \up0 \expndtw-3\char
scalex100 6.82\par\pard\ql \li1728\sb104\sl-253\slmult0 \up0 \expndtw0\charscale
x104 percent to \up0 \expndtw0\charscalex100 10.60 percent in FY11. Similarly
,\par\pard\ql \li1728\sb126\sl-253\slmult0 \up0 \expndtw-2\charscalex100 (ROCE)
also increased from 5.31 percent to\par\pard\ql \li1728\sb127\sl-253\slmul
t0 \up0 \expndtw-3\charscalex100 8.69 percent in FY11 over FY10. Breakup value\p
ar\pard\column \ql \li6445\sb0\sl-149\slmult0 \par\pard\ql \li6445\sb0\sl-149\sl
mult0 \par\pard\ql \li6445\sb0\sl-149\slmult0 \par\pard\ql \li6445\sb0\sl-149\sl
mult0 \par\pard\ql \li6445\sb0\sl-149\slmult0 \par\pard\ql \li6445\sb0\sl-149\sl
mult0 \par\pard\ql \li79\sb64\sl-149\slmult0 \up0 \expndtw0\charscalex100 \ul0\n
osupersub\cf147\f148\fs13 ROA\par\pard\ql \li1522\sb0\sl-108\slmult0 \up0 \expnd
tw0\charscalex100 3.19%\par\pard\ql \li6386\sb0\sl-149\slmult0 \par\pard\ql \li6
386\sb0\sl-149\slmult0 \par\pard\ql \li6386\sb0\sl-149\slmult0 \par\pard\ql \li2
0\sb6\sl-149\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf148\f149\fs1
3 ROCE\par\pard\ql \li6461\sb0\sl-149\slmult0 \par\pard\ql \li6461\sb0\sl-149\sl
mult0 \par\pard\ql \li6461\sb0\sl-149\slmult0 \par\pard\ql \li95\sb114\sl-149\sl
mult0 \up0 \expndtw0\charscalex100 ROE\par\pard\ql \li6718\sb0\sl-149\slmult0 \p
ar\pard\ql \li6718\sb0\sl-149\slmult0 \par\pard\ql \li352\sb71\sl-149\slmult0\tx
990\tx1624 \up0 \expndtw0\charscalex101 0%\tab \up0 \expndtw0\charscalex101 2%\t
ab \up0 \expndtw0\charscalex101 4%\par\pard\column \ql \li8228\sb0\sl-149\slmult
0 \par\pard\ql \li8228\sb0\sl-149\slmult0 \par\pard\ql \li20\sb147\sl-149\slmult
0\tx944 \up0 \expndtw0\charscalex100 FY 11\tab \up0 \expndtw0\charscalex100 FY 1
0\par\pard\ql \li8446\sb0\sl-149\slmult0 \par\pard\ql \li238\sb122\sl-149\slmult
0 \up0 \expndtw0\charscalex102 4.95%\par\pard\ql \li9630\sb0\sl-149\slmult0 \par
\pard\ql \li9630\sb0\sl-149\slmult0 \par\pard\ql \li9630\sb0\sl-149\slmult0 \par
\pard\ql \li1422\sb114\sl-149\slmult0 \up0 \expndtw0\charscalex101 \ul0\nosupers
ub\cf147\f148\fs13 8.69%\par\pard\ql \li352\sb54\sl-149\slmult0 \up0 \expndtw0\c
harscalex102 \ul0\nosupersub\cf148\f149\fs13 5.31%\par\pard\ql \li10239\sb0\sl-1
49\slmult0 \par\pard\ql \li10239\sb0\sl-149\slmult0 \par\pard\ql \li2031\sb60\sl
-149\slmult0 \up0 \expndtw0\charscalex102 10.60%\par\pard\ql \li830\sb55\sl-149\

slmult0 \up0 \expndtw0\charscalex102 \ul0\nosupersub\cf147\f148\fs13 6.82%\par\p

ard\ql \li8618\sb0\sl-149\slmult0 \par\pard\ql \li410\sb112\sl-149\slmult0\tx104
8\tx1652\tx2285 \up0 \expndtw0\charscalex101 \ul0\nosupersub\cf148\f149\fs13 6%\
tab \up0 \expndtw0\charscalex101 8%\tab \up0 \expndtw0\charscalex102 10%\tab \up
0 \expndtw0\charscalex102 12% \par\pard\sect\sectd\sbknone \ql \li1728\sb131\sl253\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf25\f26\fs22 per cert
ificate increased from Rs 12.36 per certificate in FY10 to Rs. 12.87 per certifi
cate in FY11. \par\pard\ql \li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl
-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-2
76\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276
\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\s
lmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slm
ult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmul
t0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0
\par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \
par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \pa
r\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\
pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pa
rd\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard
\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\q
l\li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\
li6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li
6145\sb0\sl-276\slmult0 \par\pard\ql\li6145\sb0\sl-276\slmult0 \par\pard\ql\li61
45\sb16\sl-276\slmult0 \up0 \expndtw-3\charscalex100 \ul0\nosupersub\cf17\f18\fs
24 124 \par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkst
art Pg133}{\bkmkend Pg133}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb
133\sl-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
2\f53\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmul
t0\par\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100
\ul0\nosupersub\cf57\f58\fs24 Modarba Comapnies - Overall\tab \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\s
l-197\slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \
expndtw-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \ex
pndtw-2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6753\tx7833
\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 A.Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 10,275,032\tab \up0 \expndtw-1\charscalex100 10,890,240\tab \up0 \e
xpndtw-1\charscalex100 11,014,186\tab \up0 \expndtw-1\charscalex100 11,441,371\t
ab \up0 \expndtw-1\charscalex100 12,308,302\par\pard\li900\sb88\sl-161\slmult0\f
i194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.Certificate capital\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 7,079,743\tab \up0 \expndtw-1\charscalex100 7,422,64
5\tab \up0 \expndtw-1\charscalex100 8,439,418\tab \up0 \expndtw-1\charscalex100
8,439,418\tab \up0 \expndtw-1\charscalex100 8,746,250\par\pard\li900\sb107\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 3,870,413\tab \up0 \expndtw-1\charscalex100 3,682,81
6\tab \up0 \expndtw-1\charscalex100 3,579,654\tab \up0 \expndtw-1\charscalex100
4,222,106\tab \up0 \expndtw-1\charscalex100 4,751,287\par\pard\li900\sb107\sl-16
1\slmult0\fi194\tx6870\tx7950\tx8924\tx10004\tx11084 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 (675,124)\tab \up0 \expndtw-1\charscale
x100 (215,221)\tab \up0 \expndtw-1\charscalex100 (1,004,886)\tab \up0 \expndtw-1
\charscalex100 (1,220,153)\tab \up0 \expndtw-1\charscalex100 (1,189,235)\par\par
d\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx9090\tx10218\tx11238 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 359,923\tab \up0 \expndtw-1\charsca

lex100 498,561\tab \up0 \expndtw-1\charscalex100 (43,741)\tab \up0 \expndtw-1\ch

arscalex100 47,715\tab \up0 \expndtw-1\charscalex100 113,519\par\pard\li900\sb10
3\sl-184\slmult0\fi44\tx6753\tx7833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,700,635\tab \up0 \expndtw
-1\charscalex100 17,278,012\tab \up0 \expndtw-1\charscalex100 12,310,898\tab \up
0 \expndtw-1\charscalex100 13,003,729\tab \up0 \expndtw-1\charscalex100 13,921,2
60\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6813\tx7833\tx8973\tx10053\tx11073
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current liablitie
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,831,839\tab
\up0 \expndtw-1\charscalex100 10,139,280\tab \up0 \expndtw-1\charscalex100 7,945
,306\tab \up0 \expndtw-1\charscalex100 9,445,827\tab \up0 \expndtw-1\charscalex1
00 10,277,443\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx1
0053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-c
urrent liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 4,868,796\tab \up0 \expndtw-1\charscalex100 7,138,732\tab \up0 \expndtw-1\cha
rscalex100 4,365,592\tab \up0 \expndtw-1\charscalex100 3,557,902\tab \up0 \expnd
tw-1\charscalex100 3,643,817\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6753\tx7
833\tx8913\tx9993\tx11073 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54
\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 25,335,590\tab \up0 \expndtw-1\charscalex100 28,666,813\tab \up0 \e
xpndtw-1\charscalex100 23,281,343\tab \up0 \expndtw-1\charscalex100 24,492,815\t
ab \up0 \expndtw-1\charscalex100 26,343,081\par\pard\li900\sb88\sl-161\slmult0\f
i194\tx6753\tx7833\tx8973\tx9993\tx11073 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 12,030,150\tab \up0 \expndtw-1\charscalex100 13,69
7,734\tab \up0 \expndtw-1\charscalex100 9,934,333\tab \up0 \expndtw-1\charscalex
100 11,249,647\tab \up0 \expndtw-1\charscalex100 11,460,568\par\pard\li900\sb106
\sl-161\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,327,204\tab \up0 \expndtw-1\c
harscalex100 1,252,489\tab \up0 \expndtw-1\charscalex100 1,075,987\tab \up0 \exp
ndtw-1\charscalex100 1,171,444\tab \up0 \expndtw-1\charscalex100 1,567,692\par\p
ard\li900\sb108\sl-161\slmult0\fi350\tx6753\tx7833\tx8973\tx9993\tx11133 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,702,947\tab \up0
\expndtw-1\charscalex100 12,445,245\tab \up0 \expndtw-1\charscalex100 8,858,346\
tab \up0 \expndtw-1\charscalex100 10,078,203\tab \up0 \expndtw-1\charscalex100 9
,892,876\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6753\tx7833\tx8913\tx9993\t
x11073 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current
assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 13,305,440\tab \up0 \expndtw-1\charscalex100 14,969,079\tab \up0 \expndtw-1\
charscalex100 13,347,010\tab \up0 \expndtw-1\charscalex100 13,243,168\tab \up0 \
expndtw-1\charscalex100 14,882,513\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6
813\tx7893\tx8973\tx10053\tx11073 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 4,872,096\tab \up0 \expndtw-1\charscalex100 7,635,615\tab \up0 \exp
ndtw-1\charscalex100 7,011,209\tab \up0 \expndtw-1\charscalex100 9,303,864\tab \
up0 \expndtw-1\charscalex100 10,602,835\par\pard\li900\sb107\sl-161\slmult0\fi35
0\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 4,914,633\tab \up0 \expndtw-1\charscalex100 4,012,698
\tab \up0 \expndtw-1\charscalex100 4,132,080\tab \up0 \expndtw-1\charscalex100 2
,257,698\tab \up0 \expndtw-1\charscalex100 2,793,799\par\pard\li900\sb106\sl-161
\slmult0\fi350\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 3,518,711\tab \up0 \expndtw-1\charsca
lex100 3,320,766\tab \up0 \expndtw-1\charscalex100 2,203,721\tab \up0 \expndtw-1
\charscalex100 1,681,606\tab \up0 \expndtw-1\charscalex100 1,485,879\par\pard\li
900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53

\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx681

3\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Gross revenue(loss)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 4,831,869\tab \up0 \expndtw-1\charscalex100 5,849,848\tab \up0
\expndtw-1\charscalex100 7,047,368\tab \up0 \expndtw-1\charscalex100 5,308,306\
tab \up0 \expndtw-1\charscalex100 5,917,634\par\pard\li900\sb106\sl-161\slmult0\
fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Operating expenses\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 1,684,052\tab \up0 \expndtw-1\charscalex100 1,907,02
1\tab \up0 \expndtw-1\charscalex100 2,237,073\tab \up0 \expndtw-1\charscalex100
1,246,196\tab \up0 \expndtw-1\charscalex100 1,343,354\par\pard\li900\sb107\sl-16
1\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 3,147,931\tab \up0 \expndtw-1\charscalex100
3,473,593\tab \up0 \expndtw-1\charscalex100 4,810,295\tab \up0 \expndtw-1\charsc
alex100 4,065,640\tab \up0 \expndtw-1\charscalex100 4,574,280\par\pard\li900\sb1
07\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Modaraba co's management fees\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 84,008\tab \up0 \expn
dtw-1\charscalex100 35,387\tab \up0 \expndtw-1\charscalex100 60,712\tab \up0 \ex
pndtw-1\charscalex100 38,345\tab \up0 \expndtw-1\charscalex100 79,693\par\pard\l
i900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10158\tx11133 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) before taxation
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 717,275\tab \up
0 \expndtw-1\charscalex100 870,025\tab \up0 \expndtw-1\charscalex100 1,321,320\t
ab \up0 \expndtw-1\charscalex100 799,640\tab \up0 \expndtw-1\charscalex100 1,395
,418\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx8973\tx10158\tx11
133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss)
after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7
12,393\tab \up0 \expndtw-1\charscalex100 852,807\tab \up0 \expndtw-1\charscalex1
00 1,309,424\tab \up0 \expndtw-1\charscalex100 780,586\tab \up0 \expndtw-1\chars
calex100 1,305,190\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-161
\slmult0\fi194\tx6813\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.No. of certificates\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 1,028,372\tab \up0 \expndtw-1\charscalex10
0 843,061\tab \up0 \expndtw-1\charscalex100 944,558\tab \up0 \expndtw-1\charscal
ex100 925,557\tab \up0 \expndtw-1\charscalex100 956,240\par\pard\li900\sb106\sl161\slmult0\fi194\tx7200\tx8280\tx9360\tx10440\tx11520 \dn2 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab
\up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up
0 \expndtw-1\charscalex100 N/A\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7200\
tx8280\tx9360\tx10440\tx11520 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expn
dtw-1\charscalex100 N/A\tab \up0 \expndtw-1\charscalex100 N/A\tab \up0 \expndtw1\charscalex100 N/A\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7950\tx89
73\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4
.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 662,910\tab \up0 \expndtw-1\charscalex100 (692,866)\ta
b \up0 \expndtw-1\charscalex100 1,786,670\tab \up0 \expndtw-1\charscalex100 2,28
3,871\tab \up0 \expndtw-1\charscalex100 3,369,740\par\pard\li900\sb102\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficie
ncy ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7038\
tx8118\tx9138\tx10278\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 6.93%\tab \up0 \expndtw-1\charscalex100 7.83%\tab \up0
\expndtw-1\charscalex100 11.89%\tab \up0 \expndtw-1\charscalex100 6.82%\tab \up
0 \expndtw-1\charscalex100 10.60%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx70

38\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c

f51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.63%\tab \up0 \expndtw-1\charscale
x100 4.70%\tab \up0 \expndtw-1\charscalex100 8.62%\tab \up0 \expndtw-1\charscale
x100 5.31%\tab \up0 \expndtw-1\charscalex100 8.69%\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.81%\tab \up0 \expndtw-1\charscal
ex100 2.97%\tab \up0 \expndtw-1\charscalex100 5.62%\tab \up0 \expndtw-1\charscal
ex100 3.19%\tab \up0 \expndtw-1\charscalex100 4.95%\par\pard\li900\sb106\sl-161\
slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (D6/D1)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 14.74%\tab \up0 \expndtw-1\charscalex
100 14.58%\tab \up0 \expndtw-1\charscalex100 18.58%\tab \up0 \expndtw-1\charscal
ex100 14.70%\tab \up0 \expndtw-1\charscalex100 22.06%\par\pard\li900\sb107\sl-16
1\slmult0\fi194\tx6903\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 236.39%\tab \up0 \ex
pndtw-1\charscalex100 223.62%\tab \up0 \expndtw-1\charscalex100 170.84%\tab \up0
\expndtw-1\charscalex100 159.65%\tab \up0 \expndtw-1\charscalex100 102.92%\par\
pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Management expenses (D4
/D2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.99%\tab \
up0 \expndtw-1\charscalex100 1.86%\tab \up0 \expndtw-1\charscalex100 2.71%\tab \
up0 \expndtw-1\charscalex100 3.08%\tab \up0 \expndtw-1\charscalex100 5.93%\par\p
ard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Certificate
(D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.69\tab
\up0 \expndtw-1\charscalex100 1.01\tab \up0 \expndtw-1\charscalex100 1.39\tab \
up0 \expndtw-1\charscalex100 0.84\tab \up0 \expndtw-1\charscalex100 1.36\par\par
d\li900\sb104\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf53\f54\fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143
\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Current asssets to current liabilities (C1/B1) (times)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.22\tab \up0 \expndtw-1\cha
rscalex100 1.35\tab \up0 \expndtw-1\charscalex100 1.25\tab \up0 \expndtw-1\chars
calex100 1.19\tab \up0 \expndtw-1\charscalex100 1.12\par\pard\li900\sb107\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.58\tab \up0
\expndtw-1\charscalex100 0.60\tab \up0 \expndtw-1\charscalex100 0.53\tab \up0 \e
xpndtw-1\charscalex100 0.53\tab \up0 \expndtw-1\charscalex100 0.53\par\pard\li90
0\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10278\tx11298 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total as
sets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19.
40%\tab \up0 \expndtw-1\charscalex100 14.00%\tab \up0 \expndtw-1\charscalex100 1
7.75%\tab \up0 \expndtw-1\charscalex100 9.22%\tab \up0 \expndtw-1\charscalex100
10.61%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb88\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 40.56%\tab \up0 \expndtw-1\charscalex100
37.99%\tab \up0 \expndtw-1\charscalex100 47.31%\tab \up0 \expndtw-1\charscalex10
0 46.71%\tab \up0 \expndtw-1\charscalex100 46.72%\par\pard\li900\sb107\sl-161\sl
mult0\fi194\tx7143\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Break up value per certificate (A/E1)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9.99\tab \up0 \expndtw-1\ch
arscalex100 12.92\tab \up0 \expndtw-1\charscalex100 11.66\tab \up0 \expndtw-1\ch
arscalex100 12.36\tab \up0 \expndtw-1\charscalex100 12.87\par\pard\li900\sb102\s
l-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I

.Cash flow ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7143\tx8160\tx9303\t

x10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cas
h generated from operating activities to profit after tax. (E4/D6) (times)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.93\tab \up0 \expndt
w-1\charscalex100 -0.81\tab \up0 \expndtw-1\charscalex100 1.36\tab \up0 \expndtw
-1\charscalex100 2.93\tab \up0 \expndtw-1\charscalex100 2.58\par\pard\li900\sb10
7\sl-161\slmult0\fi194\tx7143\tx8160\tx9303\tx10383\tx11463 \dn2 \expndtw-1\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activiti
es to current liabilities (E4/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.07\tab \up0 \expndtw-1\charscalex100 -0.07\tab \up0
\expndtw-1\charscalex100 0.22\tab \up0 \expndtw-1\charscalex100 0.24\tab \up0 \e
xpndtw-1\charscalex100 0.33\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\
li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li
6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li60
37\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 125
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g134}{\bkmkend Pg134}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li944\sb0\sl-276\slmult0\pa
r\pard\li944\sb79\sl-276\slmult0\fi22\tx10170 \up0 \expndtw-3\charscalex100 \ul0
\nosupersub\cf57\f58\fs24 Modaraba Al-Mali\tab \up0 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li944\sb1\sl-197\slmult0\f
i45\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosu

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4\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\chars
calex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charsca
lex100 2011\par\pard\li944\sb68\sl-184\slmult0\fi0\tx6918\tx7998\tx9078\tx10158\
tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23
2,220\tab \up0 \expndtw-1\charscalex100 238,341\tab \up0 \expndtw-1\charscalex10
0 211,447\tab \up0 \expndtw-1\charscalex100 199,045\tab \up0 \expndtw-1\charscal
ex100 178,889\par\pard\li944\sb88\sl-161\slmult0\fi150\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Certif
icate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 18
4,240\tab \up0 \expndtw-1\charscalex100 184,240\tab \up0 \expndtw-1\charscalex10
0 184,240\tab \up0 \expndtw-1\charscalex100 184,240\tab \up0 \expndtw-1\charscal
ex100 184,240\par\pard\li944\sb107\sl-161\slmult0\fi150\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reser
ves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 54,229\tab \
up0 \expndtw-1\charscalex100 55,453\tab \up0 \expndtw-1\charscalex100 55,453\tab
\up0 \expndtw-1\charscalex100 55,964\tab \up0 \expndtw-1\charscalex100 55,964\p
ar\pard\li944\sb107\sl-161\slmult0\fi150\tx7004\tx8084\tx9090\tx10170\tx11250 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profi
t\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (6,249)\tab \u
p0 \expndtw-1\charscalex100 (1,352)\tab \up0 \expndtw-1\charscalex100 (28,246)\t
ab \up0 \expndtw-1\charscalex100 (41,159)\tab \up0 \expndtw-1\charscalex100 (61,
315)\par\pard\li944\sb106\sl-161\slmult0\fi150\tx7143\tx8133\tx9303\tx10518\tx11
598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 547\tab \up0 \expndtw-1
\charscalex100 1,039\tab \up0 \expndtw-1\charscalex100 512\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li944\sb103\sl-184\s
lmult0\fi0\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 78,096\tab \up0 \expndtw-1\charscalex1
00 69,776\tab \up0 \expndtw-1\charscalex100 50,926\tab \up0 \expndtw-1\charscale
x100 49,813\tab \up0 \expndtw-1\charscalex100 34,163\par\pard\li944\sb88\sl-161\
slmult0\fi150\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.Current liablities\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 41,870\tab \up0 \expndtw-1\charscalex100 48,
266\tab \up0 \expndtw-1\charscalex100 36,622\tab \up0 \expndtw-1\charscalex100 3
9,349\tab \up0 \expndtw-1\charscalex100 28,061\par\pard\li944\sb106\sl-161\slmul
t0\fi150\tx6978\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf56\f57\fs12 36,226\tab \up0 \expndtw-1\charscalex100 21,
510\tab \up0 \expndtw-1\charscalex100 14,304\tab \up0 \expndtw-1\charscalex100 1
0,464\tab \up0 \expndtw-1\charscalex100 6,102\par\pard\li944\sb103\sl-184\slmult
0\fi0\tx6918\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 310,863\tab \up0 \expndtw-1\charscalex100 309,156\
tab \up0 \expndtw-1\charscalex100 262,885\tab \up0 \expndtw-1\charscalex100 248,
858\tab \up0 \expndtw-1\charscalex100 213,052\par\pard\li944\sb88\sl-161\slmult0
\fi150\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 182,599\tab \up0 \expndtw-1\charscalex100 145,4
10\tab \up0 \expndtw-1\charscalex100 63,408\tab \up0 \expndtw-1\charscalex100 78
,431\tab \up0 \expndtw-1\charscalex100 71,328\par\pard\li944\sb106\sl-161\slmult
0\fi305\tx6978\tx8058\tx9138\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 45,038\tab \up0 \expndtw-1\charscalex100 72,2
78\tab \up0 \expndtw-1\charscalex100 10,490\tab \up0 \expndtw-1\charscalex100 1,
115\tab \up0 \expndtw-1\charscalex100 3,237\par\pard\li944\sb108\sl-161\slmult0\
fi305\tx6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw-1\charscalex100

\ul0\nosupersub\cf56\f57\fs12 137,561\tab \up0 \expndtw-1\charscalex100 73,132\t

ab \up0 \expndtw-1\charscalex100 52,918\tab \up0 \expndtw-1\charscalex100 77,316
\tab \up0 \expndtw-1\charscalex100 68,091\par\pard\li944\sb106\sl-161\slmult0\fi
150\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 128,264\tab \up0 \expndtw-1\charscalex100
163,746\tab \up0 \expndtw-1\charscalex100 199,477\tab \up0 \expndtw-1\charscalex
100 170,427\tab \up0 \expndtw-1\charscalex100 141,724\par\pard\li944\sb107\sl-16
1\slmult0\fi305\tx6978\tx7998\tx9078\tx10158\tx11238 \up0 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 73,794\tab \up0 \expndtw-1\charscalex100 125,644
\tab \up0 \expndtw-1\charscalex100 124,211\tab \up0 \expndtw-1\charscalex100 131
,245\tab \up0 \expndtw-1\charscalex100 132,728\par\pard\li944\sb107\sl-161\slmul
t0\fi305\tx6978\tx8058\tx9138\tx10218\tx11598 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 17,520\tab \up0 \expndtw-1\charscalex100 27,54
5\tab \up0 \expndtw-1\charscalex100 33,104\tab \up0 \expndtw-1\charscalex100 22,
270\tab \up0 \expndtw-1\charscalex100 0\par\pard\li944\sb106\sl-161\slmult0\fi30
5\tx6978\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 36,950\tab \up0 \expndtw-1\charscalex100 10,557\ta
b \up0 \expndtw-1\charscalex100 42,162\tab \up0 \expndtw-1\charscalex100 16,912\
tab \up0 \expndtw-1\charscalex100 8,996\par\pard\li944\sb103\sl-184\slmult0\fi0
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss acco
unt\par\pard\li944\sb88\sl-161\slmult0\fi150\tx6978\tx8058\tx9138\tx10218\tx1129
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue(lo
ss)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 57,841\tab \
up0 \expndtw-1\charscalex100 36,620\tab \up0 \expndtw-1\charscalex100 30,258\tab
\up0 \expndtw-1\charscalex100 61,498\tab \up0 \expndtw-1\charscalex100 85,484\p
ar\pard\li944\sb106\sl-161\slmult0\fi150\tx6978\tx8058\tx9138\tx10218\tx11298 \d
n2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Operating expenses\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 41,265\tab \up0 \
expndtw-1\charscalex100 38,800\tab \up0 \expndtw-1\charscalex100 39,655\tab \up0
\expndtw-1\charscalex100 68,743\tab \up0 \expndtw-1\charscalex100 79,468\par\pa
rd\li944\sb107\sl-161\slmult0\fi150\tx6978\tx8084\tx9164\tx10244\tx11373 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,576\tab \up0 \expndtw
-1\charscalex100 (2,180)\tab \up0 \expndtw-1\charscalex100 (9,397)\tab \up0 \exp
ndtw-1\charscalex100 (7,245)\tab \up0 \expndtw-1\charscalex100 6,016\par\pard\li
944\sb107\sl-161\slmult0\fi150\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Modaraba co's management fee
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \ex
pndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\
charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li944\sb106\sl-161\
slmult0\fi150\tx6930\tx8133\tx9090\tx10170\tx11250 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) before taxation\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (11,727)\tab \up0 \expndtw-1\char
scalex100 6,120\tab \up0 \expndtw-1\charscalex100 (22,287)\tab \up0 \expndtw-1\c
harscalex100 (12,913)\tab \up0 \expndtw-1\charscalex100 (20,015)\par\pard\li944\
sb107\sl-161\slmult0\fi150\tx6930\tx8133\tx9090\tx10170\tx11250 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (11,727)\tab \up0 \ex
pndtw-1\charscalex100 6,120\tab \up0 \expndtw-1\charscalex100 (22,287)\tab \up0
\expndtw-1\charscalex100 (12,913)\tab \up0 \expndtw-1\charscalex100 (20,155)\par
\pard\li944\sb103\sl-184\slmult0\fi0 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 E.Other items\par\pard\li944\sb88\sl-161\slmult0\fi150\tx6978\t
x8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\
f52\fs14 1.No. of certificates\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 18,424\tab \up0 \expndtw-1\charscalex100 18,424\tab \up0 \expndtw
-1\charscalex100 18,242\tab \up0 \expndtw-1\charscalex100 18,242\tab \up0 \expnd

tw-1\charscalex100 18,242\par\pard\li944\sb106\sl-161\slmult0\fi150\tx7008\tx808
8\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.00%\tab \up0 \expndtw-1\charscalex100 2.50%\tab \up0 \expndtw-1\charscale
x100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\par\pard\li944\sb107\sl-161\slmult0\fi150\tx7008\tx8088\tx9168\tx1024
8\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock di
vidend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex
100 0.00%\par\pard\li944\sb107\sl-161\slmult0\fi150\tx6978\tx8058\tx9090\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash gene
rated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 62,379\tab \up0 \expndtw-1\charscalex100 98,787\tab \up0 \expndt
w-1\charscalex100 (45,403)\tab \up0 \expndtw-1\charscalex100 12,776\tab \up0 \ex
pndtw-1\charscalex100 20,887\par\pard\li944\sb102\sl-184\slmult0\fi0 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitabili
ty ratios\par\pard\li944\sb88\sl-161\slmult0\fi150\tx6975\tx8118\tx9060\tx10215\
tx11220 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on
equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 -0.05%\tab \up0 \expndtw-1\charscalex100 2.57%\tab \up0 \expndtw-1\charscale
x100 -10.54%\tab \up0 \expndtw-1\charscalex100 -6.49%\tab \up0 \expndtw-1\charsc
alex100 -11.27%\par\pard\li944\sb107\sl-161\slmult0\fi150\tx6975\tx8118\tx9135\t
x10215\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Ret
urn on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 -0.04%\tab \up0 \expndtw-1\charscalex100 2.35%\tab \u
p0 \expndtw-1\charscalex100 -9.85%\tab \up0 \expndtw-1\charscalex100 -6.16%\tab
\up0 \expndtw-1\charscalex100 -10.82%\par\pard\li944\sb107\sl-161\slmult0\fi150\
tx6975\tx8118\tx9135\tx10215\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 -0.04%\tab \up0 \expndtw-1\charscalex100 1.98%\
tab \up0 \expndtw-1\charscalex100 -8.48%\tab \up0 \expndtw-1\charscalex100 -5.19
%\tab \up0 \expndtw-1\charscalex100 -9.46%\par\pard\li944\sb106\sl-161\slmult0\f
i150\tx6975\tx8058\tx9060\tx10140\tx11220 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 4.Return on revenue (D6/D1)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 -0.20%\tab \up0 \expndtw-1\charscalex100 16.71
%\tab \up0 \expndtw-1\charscalex100 -73.66%\tab \up0 \expndtw-1\charscalex100 -2
1.00%\tab \up0 \expndtw-1\charscalex100 -23.58%\par\pard\li944\sb107\sl-161\slmu
lt0\fi150\tx6975\tx7983\tx9000\tx10080\tx11160 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -3.52%\tab \up0 \expndtw-1
\charscalex100 633.99%\tab \up0 \expndtw-1\charscalex100 -177.93%\tab \up0 \expn
dtw-1\charscalex100 -532.35%\tab \up0 \expndtw-1\charscalex100 -394.28%\par\pard
\li944\sb107\sl-161\slmult0\fi150\tx7038\tx8118\tx9198\tx10278\tx11358 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Management expenses (D4/D2)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\
li944\sb106\sl-161\slmult0\fi150\tx7080\tx8223\tx9240\tx10320\tx11400 \dn2 \expn
dtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Certificate (D6/
E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -0.64\tab \u
p0 \expndtw-1\charscalex100 0.33\tab \up0 \expndtw-1\charscalex100 -1.22\tab \up
0 \expndtw-1\charscalex100 -0.71\tab \up0 \expndtw-1\charscalex100 -1.10\par\par
d\li944\sb104\sl-184\slmult0\fi0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 G.Liquidity Ratios\par\pard\li944\sb87\sl-161\slmult0\fi150\tx7143\
tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51
\f52\fs14 1.Current asssets to current liabilities (C1/B1) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.36\tab \up0 \expndtw-1\char
scalex100 3.01\tab \up0 \expndtw-1\charscalex100 1.73\tab \up0 \expndtw-1\charsc
alex100 1.99\tab \up0 \expndtw-1\charscalex100 2.54\par\pard\li944\sb107\sl-161\

slmult0\fi150\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100

\ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.25\tab \up0 \
expndtw-1\charscalex100 0.23\tab \up0 \expndtw-1\charscalex100 0.19\tab \up0 \ex
pndtw-1\charscalex100 0.20\tab \up0 \expndtw-1\charscalex100 0.16\par\pard\li944
\sb106\sl-161\slmult0\fi150\tx7038\tx8118\tx9138\tx10278\tx11358 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total ass
ets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.06
%\tab \up0 \expndtw-1\charscalex100 8.91%\tab \up0 \expndtw-1\charscalex100 12.5
9%\tab \up0 \expndtw-1\charscalex100 8.95%\tab \up0 \expndtw-1\charscalex100 0.0
0%\par\pard\li944\sb103\sl-184\slmult0\fi0 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li944\sb88\sl-161\slm
ult0\fi150\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.75%\tab \up0 \expndtw-1\charscalex100 77.09%
\tab \up0 \expndtw-1\charscalex100 80.43%\tab \up0 \expndtw-1\charscalex100 79.9
8%\tab \up0 \expndtw-1\charscalex100 83.96%\par\pard\li944\sb107\sl-161\slmult0\
fi150\tx7083\tx8163\tx9243\tx10323\tx11463 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 2.Break up value per certificate (A/E1)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12.60\tab \up0 \expndtw-1\charsca
lex100 12.94\tab \up0 \expndtw-1\charscalex100 11.59\tab \up0 \expndtw-1\charsca
lex100 10.91\tab \up0 \expndtw-1\charscalex100 9.81\par\pard\li944\sb102\sl-184\
slmult0\fi0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash f
low ratio\par\pard\li944\sb88\sl-161\slmult0\fi150\tx7080\tx8163\tx9303\tx10320\
tx11400 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash gener
ated from operating activities to profit after tax. (E4/D6) (times)\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -5.32\tab \up0 \expndtw-1\ch
arscalex100 16.14\tab \up0 \expndtw-1\charscalex100 2.04\tab \up0 \expndtw-1\cha
rscalex100 -0.99\tab \up0 \expndtw-1\charscalex100 -1.04\par\pard\li944\sb107\sl
-161\slmult0\fi150\tx7143\tx8223\tx9240\tx10383\tx11463 \dn2 \expndtw-1\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities t
o current liabilities (E4/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 1.49\tab \up0 \expndtw-1\charscalex100 2.05\tab \up0 \expn
dtw-1\charscalex100 -1.24\tab \up0 \expndtw-1\charscalex100 0.32\tab \up0 \expnd
tw-1\charscalex100 0.74\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li60
37\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037
\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\s
b0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf51\f52\fs14 126
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idth}{\sv 0}}
}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g135}{\bkmkend Pg135}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Al-Noor Modaraba\tab \up0 \expndtw-2\charscalex100 \ul0
\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi
90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54
\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsc
alex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscal
ex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx10158\
tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equi
ty (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 29
1,395\tab \up0 \expndtw-1\charscalex100 313,462\tab \up0 \expndtw-1\charscalex10
0 296,968\tab \up0 \expndtw-1\charscalex100 308,442\tab \up0 \expndtw-1\charscal
ex100 328,213\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10
158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Certif
icate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 21
0,000\tab \up0 \expndtw-1\charscalex100 210,000\tab \up0 \expndtw-1\charscalex10
0 210,000\tab \up0 \expndtw-1\charscalex100 210,000\tab \up0 \expndtw-1\charscal
ex100 210,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reser
ves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 67,772\tab \
up0 \expndtw-1\charscalex100 79,628\tab \up0 \expndtw-1\charscalex100 80,970\tab
\up0 \expndtw-1\charscalex100 83,677\tab \up0 \expndtw-1\charscalex100 96,334\p
ar\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9213\tx10218\tx11298 \u
p0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profi
t\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,623\tab \up
0 \expndtw-1\charscalex100 23,834\tab \up0 \expndtw-1\charscalex100 5,998\tab \u
p0 \expndtw-1\charscalex100 14,765\tab \up0 \expndtw-1\charscalex100 21,879\par\
pard\li900\sb106\sl-161\slmult0\fi194\tx7004\tx8010\tx9090\tx10244\tx11324 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (1,697)\tab \up0 \expndtw-1\char
scalex100 (18,622)\tab \up0 \expndtw-1\charscalex100 (17,272)\tab \up0 \expndtw1\charscalex100 (1,568)\tab \up0 \expndtw-1\charscalex100 (2,073)\par\pard\li900
\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\
charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 43,407\tab \up0 \expnd
tw-1\charscalex100 34,996\tab \up0 \expndtw-1\charscalex100 21,844\tab \up0 \exp
ndtw-1\charscalex100 23,995\tab \up0 \expndtw-1\charscalex100 23,293\par\pard\li
900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current liablities\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 35,902\tab \up0 \expndtw-1\c
harscalex100 27,556\tab \up0 \expndtw-1\charscalex100 13,418\tab \up0 \expndtw-1

\charscalex100 17,674\tab \up0 \expndtw-1\charscalex100 17,560\par\pard\li900\sb

106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 7,505\tab \up0 \expndtw-1\ch
arscalex100 7,440\tab \up0 \expndtw-1\charscalex100 8,426\tab \up0 \expndtw-1\ch
arscalex100 6,321\tab \up0 \expndtw-1\charscalex100 5,733\par\pard\li900\sb103\s
l-184\slmult0\fi44\tx6918\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 333,105\tab \up0 \expndtw-1\charscale
x100 329,836\tab \up0 \expndtw-1\charscalex100 301,540\tab \up0 \expndtw-1\chars
calex100 330,869\tab \up0 \expndtw-1\charscalex100 349,433\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 223,314\tab \up0 \expndtw-1\charsc
alex100 205,998\tab \up0 \expndtw-1\charscalex100 204,296\tab \up0 \expndtw-1\ch
arscalex100 253,921\tab \up0 \expndtw-1\charscalex100 264,975\par\pard\li900\sb1
06\sl-161\slmult0\fi350\tx6978\tx8133\tx9138\tx10218\tx11298 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 68,461\tab \up0 \expndtw-1\ch
arscalex100 9,568\tab \up0 \expndtw-1\charscalex100 24,483\tab \up0 \expndtw-1\c
harscalex100 11,400\tab \up0 \expndtw-1\charscalex100 50,284\par\pard\li900\sb10
8\sl-161\slmult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 154,853\tab \up0 \expndtw-1\chars
calex100 196,430\tab \up0 \expndtw-1\charscalex100 179,813\tab \up0 \expndtw-1\c
harscalex100 242,521\tab \up0 \expndtw-1\charscalex100 214,691\par\pard\li900\sb
106\sl-161\slmult0\fi194\tx6918\tx7998\tx9138\tx10218\tx11298 \dn2 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 109,791\tab \up0 \exp
ndtw-1\charscalex100 123,838\tab \up0 \expndtw-1\charscalex100 97,244\tab \up0 \
expndtw-1\charscalex100 76,948\tab \up0 \expndtw-1\charscalex100 84,458\par\pard
\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \up0 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 56,456\tab \up0 \expndtw-1\cha
rscalex100 76,032\tab \up0 \expndtw-1\charscalex100 42,064\tab \up0 \expndtw-1\c
harscalex100 43,338\tab \up0 \expndtw-1\charscalex100 34,944\par\pard\li900\sb10
7\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 53,335\tab \up0 \expndtw-1\chars
calex100 43,966\tab \up0 \expndtw-1\charscalex100 29,295\tab \up0 \expndtw-1\cha
rscalex100 18,598\tab \up0 \expndtw-1\charscalex100 20,767\par\pard\li900\sb106\
sl-161\slmult0\fi350\tx7278\tx8133\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscale
x100 3,840\tab \up0 \expndtw-1\charscalex100 25,885\tab \up0 \expndtw-1\charscal
ex100 15,012\tab \up0 \expndtw-1\charscalex100 28,747\par\pard\li900\sb103\sl-18
4\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Pro
fit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138
\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.G
ross revenue(loss)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 52,664\tab \up0 \expndtw-1\charscalex100 67,348\tab \up0 \expndtw-1\charscale
x100 65,620\tab \up0 \expndtw-1\charscalex100 41,055\tab \up0 \expndtw-1\charsca
lex100 43,387\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Opera
ting expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9,
225\tab \up0 \expndtw-1\charscalex100 9,413\tab \up0 \expndtw-1\charscalex100 11
,722\tab \up0 \expndtw-1\charscalex100 13,925\tab \up0 \expndtw-1\charscalex100
19,473\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating pr
ofit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 43,439\tab

\up0 \expndtw-1\charscalex100 57,935\tab \up0 \expndtw-1\charscalex100 53,898\ta

b \up0 \expndtw-1\charscalex100 49,968\tab \up0 \expndtw-1\charscalex100 23,914\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9303\tx10518\tx11250 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Modaraba co's man
agement fees\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,8
71\tab \up0 \expndtw-1\charscalex100 3,589\tab \up0 \expndtw-1\charscalex100 508
\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 (34,053)\
par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9213\tx10218\tx11298 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) befor
e taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16,83
9\tab \up0 \expndtw-1\charscalex100 32,301\tab \up0 \expndtw-1\charscalex100 4,5
72\tab \up0 \expndtw-1\charscalex100 11,267\tab \up0 \expndtw-1\charscalex100 30
,047\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9213\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss)
after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1
6,656\tab \up0 \expndtw-1\charscalex100 31,991\tab \up0 \expndtw-1\charscalex100
4,205\tab \up0 \expndtw-1\charscalex100 11,035\tab \up0 \expndtw-1\charscalex10
0 29,892\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-161\slmult0\f
i194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.No. of certificates\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 21,000\tab \up0 \expndtw-1\charscalex100 21,000\tab
\up0 \expndtw-1\charscalex100 21,000\tab \up0 \expndtw-1\charscalex100 21,000\ta
b \up0 \expndtw-1\charscalex100 21,000\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7008\tx8013\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 6.00%\tab \up0 \expndtw-1\charscalex100 10.00%\tab \up0 \expnd
tw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 5.00%\tab \up0 \expnd
tw-1\charscalex100 8.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088
\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndt
w-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndt
w-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8133\
tx9138\tx10244\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 76,399\tab \up0 \expndtw-1\charscalex100 7,086\tab
\up0 \expndtw-1\charscalex100 74,367\tab \up0 \expndtw-1\charscalex100 (9,158)\
tab \up0 \expndtw-1\charscalex100 59,273\par\pard\li900\sb102\sl-184\slmult0\fi4
4 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratio
s/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7038\tx8058\tx
9198\tx10278\tx11358 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 0.06%\tab \up0 \expndtw-1\charscalex100 10.21%\tab \up0 \expndt
w-1\charscalex100 1.42%\tab \up0 \expndtw-1\charscalex100 3.58%\tab \up0 \expndt
w-1\charscalex100 9.11%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8058\
tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 0.06%\tab \up0 \expndtw-1\charscalex100 10.69
%\tab \up0 \expndtw-1\charscalex100 1.59%\tab \up0 \expndtw-1\charscalex100 3.60
%\tab \up0 \expndtw-1\charscalex100 9.05%\par\pard\li900\sb107\sl-161\slmult0\fi
194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 0.05%\tab \up0 \expndtw-1\charscalex100 9.7
0%\tab \up0 \expndtw-1\charscalex100 1.39%\tab \up0 \expndtw-1\charscalex100 3.3
4%\tab \up0 \expndtw-1\charscalex100 8.55%\par\pard\li900\sb106\sl-161\slmult0\f
i194\tx7038\tx8058\tx9198\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 4.Return on revenue (D6/D1)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 0.32%\tab \up0 \expndtw-1\charscalex100 47.50%
\tab \up0 \expndtw-1\charscalex100 6.41%\tab \up0 \expndtw-1\charscalex100 26.88

%\tab \up0 \expndtw-1\charscalex100 68.90%\par\pard\li900\sb107\sl-161\slmult0\f

i194\tx7038\tx8058\tx9063\tx10143\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.55%\tab \up0 \expndtw-1\chars
calex100 29.42%\tab \up0 \expndtw-1\charscalex100 278.76%\tab \up0 \expndtw-1\ch
arscalex100 126.19%\tab \up0 \expndtw-1\charscalex100 65.14%\par\pard\li900\sb10
7\sl-161\slmult0\fi194\tx7038\tx8058\tx9198\tx10278\tx11160 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 6.Management expenses (D4/D2)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.20%\tab \up0 \expndtw-1\
charscalex100 38.13%\tab \up0 \expndtw-1\charscalex100 4.33%\tab \up0 \expndtw-1
\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 -174.87%\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Certificate (D6/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.79\tab \up0 \expn
dtw-1\charscalex100 1.52\tab \up0 \expndtw-1\charscalex100 0.20\tab \up0 \expndt
w-1\charscalex100 0.53\tab \up0 \expndtw-1\charscalex100 1.42\par\pard\li900\sb1
04\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs
16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143\tx8223\tx9
243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Current asssets to current liabilities (C1/B1) (times)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 6.22\tab \up0 \expndtw-1\charscalex100
7.48\tab \up0 \expndtw-1\charscalex100 15.23\tab \up0 \expndtw-1\charscalex100 1
4.37\tab \up0 \expndtw-1\charscalex100 15.09\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.13\tab \up0 \expndtw
-1\charscalex100 0.11\tab \up0 \expndtw-1\charscalex100 0.07\tab \up0 \expndtw-1
\charscalex100 0.07\tab \up0 \expndtw-1\charscalex100 0.07\par\pard\li900\sb106\
sl-161\slmult0\fi194\tx7038\tx8058\tx9198\tx10278\tx11358 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total assets (C2
b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.16%\tab \
up0 \expndtw-1\charscalex100 13.33%\tab \up0 \expndtw-1\charscalex100 9.72%\tab
\up0 \expndtw-1\charscalex100 5.62%\tab \up0 \expndtw-1\charscalex100 5.94%\par\
pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb88\sl-161\slmult0\f
i194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nos
upersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0.88%\tab \up0 \expndtw-1\charscalex100 95.04%\tab \
up0 \expndtw-1\charscalex100 98.48%\tab \up0 \expndtw-1\charscalex100 93.22%\tab
\up0 \expndtw-1\charscalex100 93.93%\par\pard\li900\sb107\sl-161\slmult0\fi194\
tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 2.Break up value per certificate (A/E1)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 13.88\tab \up0 \expndtw-1\charscalex100
14.93\tab \up0 \expndtw-1\charscalex100 14.14\tab \up0 \expndtw-1\charscalex100
14.69\tab \up0 \expndtw-1\charscalex100 15.63\par\pard\li900\sb102\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash flow
ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7143\tx8223\tx9243\tx10320\tx11
463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated
from operating activities to profit after tax. (E4/D6) (times)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.59\tab \up0 \expndtw-1\charsca
lex100 0.22\tab \up0 \expndtw-1\charscalex100 17.69\tab \up0 \expndtw-1\charscal
ex100 -0.83\tab \up0 \expndtw-1\charscalex100 1.98\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx7143\tx8223\tx9303\tx10320\tx11463 \dn2 \expndtw-1\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities to curr
ent liabilities (E4/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 2.13\tab \up0 \expndtw-1\charscalex100 0.26\tab \up0 \expndtw-1\
charscalex100 5.54\tab \up0 \expndtw-1\charscalex100 -0.52\tab \up0 \expndtw-1\c
harscalex100 3.38\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0
\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\s
l-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-

161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \up0 \expndtw-2\charscalex1

00 \ul0\nosupersub\cf51\f52\fs14 127
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xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz29\shplid2
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g136}{\bkmkend Pg136}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Allied Rental Modaraba\tab \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmu
lt0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0
\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\
charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\ch
arscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx7304\tx8384\tx9078\tx
10053\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tota
l equity (A1 to A3)\tab \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 871,680\tab \up0 \expndtw-1\charscalex100 1,059,652\ta
b \up0 \expndtw-1\charscalex100 1,212,946\par\pard\li900\sb88\sl-161\slmult0\fi1
94\tx7304\tx8384\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Certificate capital\tab \dn2 \expndtw-2\charscalex100 -\ta
b \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 600,000\tab \up0 \expndtw-1\charscalex100 600,000\tab \up0 \ex
pndtw-1\charscalex100 600,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\t

x8384\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\

f52\fs14 2.Reserves\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\char
scalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 177,
942\tab \up0 \expndtw-1\charscalex100 316,928\tab \up0 \expndtw-1\charscalex100
461,075\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10158\t
x11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropria
ted profit\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100
-\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93,738\tab \u
p0 \expndtw-1\charscalex100 142,724\tab \up0 \expndtw-1\charscalex100 151,871\pa
r\pard\li900\sb106\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx11298 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \dn2 \expn
dtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 90,000\tab \up0 \expndtw-1\charscalex1
00 90,000\tab \up0 \expndtw-1\charscalex100 90,000\par\pard\li900\sb103\sl-184\s
lmult0\fi44\tx7304\tx8384\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \
ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \dn2 \expndtw-2\charscalex100 \tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 311,177\tab \up
0 \expndtw-1\charscalex100 361,219\tab \up0 \expndtw-1\charscalex100 807,850\par
\pard\li900\sb88\sl-161\slmult0\fi194\tx7304\tx8384\tx9078\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current liablities\tab
\dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \ex
pndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 203,400\tab \up0 \expndtw-1\
charscalex100 316,634\tab \up0 \expndtw-1\charscalex100 658,070\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx7304\tx8384\tx9078\tx10218\tx11238 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 107,777\tab \up0 \expndtw-1\charsca
lex100 44,585\tab \up0 \expndtw-1\charscalex100 149,780\par\pard\li900\sb103\sl184\slmult0\fi44\tx7304\tx8384\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 -\tab \up0 \expndtw-2\charscalex100 -\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,272,857\tab \up
0 \expndtw-1\charscalex100 1,510,871\tab \up0 \expndtw-1\charscalex100 2,110,796
\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7304\tx8384\tx9078\tx10158\tx11238 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a +
b)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 182,703\tab \up0 \ex
pndtw-1\charscalex100 204,600\tab \up0 \expndtw-1\charscalex100 228,460\par\pard
\li900\sb106\sl-161\slmult0\fi350\tx7304\tx8384\tx9138\tx10218\tx11298 \dn2 \exp
ndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab
\dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 34,979\tab \up0 \expndtw-1\
charscalex100 87,624\tab \up0 \expndtw-1\charscalex100 61,489\par\pard\li900\sb1
08\sl-161\slmult0\fi350\tx7304\tx8384\tx9078\tx10158\tx11238 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \dn2 \expndt
w-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 147,724\tab \up0 \expndtw-1\charscalex10
0 116,976\tab \up0 \expndtw-1\charscalex100 166,971\par\pard\li900\sb106\sl-161\
slmult0\fi194\tx7304\tx8384\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \dn2 \expndt
w-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 1,090,154\tab \up0 \expndtw-1\charscalex
100 1,306,271\tab \up0 \expndtw-1\charscalex100 1,882,336\par\pard\li900\sb107\s
l-161\slmult0\fi350\tx7304\tx8384\tx9078\tx10053\tx11133 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 980,382\tab \up0 \expndtw-1\charscalex100 1,219,700\
tab \up0 \expndtw-1\charscalex100 1,226,722\par\pard\li900\sb107\sl-161\slmult0\
fi350\tx7304\tx8384\tx9138\tx10218\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\no

supersub\cf51\f52\fs14 b.Long-term investments\tab \dn2 \expndtw-2\charscalex100

-\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 83,642\tab \up0 \expndtw-1\charscalex100 69,678\tab \up0
\expndtw-1\charscalex100 597,409\par\pard\li900\sb106\sl-161\slmult0\fi350\tx730
4\tx8384\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 c.Other non-current assets\tab \dn2 \expndtw-2\charscalex100 -\tab \
dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 26,130\tab \up0 \expndtw-1\charscalex100 16,893\tab \up0 \expndtw
-1\charscalex100 58,205\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2
\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li
900\sb88\sl-161\slmult0\fi194\tx7304\tx8384\tx9078\tx10158\tx11133 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue(loss)\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 633,335\tab \up0 \expndtw-1\charsca
lex100 829,397\tab \up0 \expndtw-1\charscalex100 1,033,739\par\pard\li900\sb106\
sl-161\slmult0\fi194\tx7304\tx8384\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Operating expenses\tab \dn2 \expndtw-2\c
harscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 383,415\tab \up0 \expndtw-1\charscalex100 491
,197\tab \up0 \expndtw-1\charscalex100 654,912\par\pard\li900\sb107\sl-161\slmul
t0\fi194\tx7304\tx8384\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 3.Operating profit\tab \dn2 \expndtw-2\charscalex100 \tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 249,920\tab \up0 \expndtw-1\charscalex100 338,200\tab \up0
\expndtw-1\charscalex100 378,827\par\pard\li900\sb107\sl-161\slmult0\fi194\tx730
4\tx8384\tx9438\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 4.Modaraba co's management fees\tab \dn2 \expndtw-2\charscalex100
-\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 8,597\tab \up0 \expndt
w-1\charscalex100 7,392\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7304\tx8384\
tx9078\tx10158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 5.Profit/(loss) before taxation\tab \up0 \expndtw-2\charscalex100 -\tab \up0
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 176,141\tab \up0 \expndtw-1\charscalex100 277,973\tab \up0 \expndtw-1
\charscalex100 288,294\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\t
x9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 6.Profit/(loss) after taxation\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \e
xpndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 176,141\tab \up0 \expndtw-1\charscalex100 277,973\tab \up0 \expndtw-1\c
harscalex100 288,294\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-1
61\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.No. of certificates\tab \dn2 \expndtw-2\char
scalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 60,000\tab \up0 \expndtw-1\charscalex100 60,000\
tab \up0 \expndtw-1\charscalex100 60,000\par\pard\li900\sb106\sl-161\slmult0\fi1
94\tx7304\tx8384\tx9093\tx10173\tx11253 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Cash dividend\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 15.00%\tab \up0 \expndtw-1\charscalex100 22.50%\tab \up0 \expndtw-1\
charscalex100 23.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9
168\tx10248\tx11253 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
3.Stock dividend/bonus shares\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expn
dtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscal
ex100 25.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9078\tx10
158\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash g
enerated from operating activities\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2
\expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 275,140\tab \up0 \expndtw-1\charscalex100 530,059\tab \up0 \expndtw-1

\charscalex100 3,373,353\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profitability

ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx1
1298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equ
ity (ROE) (D6/A)\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\charsca
lex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20.21%\
tab \up0 \expndtw-1\charscalex100 26.23%\tab \up0 \expndtw-1\charscalex100 23.77
%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital
employed (ROCE) (D5/(C-B1))\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expnd
tw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 16.47%\tab \up0 \expndtw-1\charscalex100 23.28%\tab \up0 \expndtw-1\charsca
lex100 19.85%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Retur
n on assets (ROA) (D6/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2
\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
13.84%\tab \up0 \expndtw-1\charscalex100 18.40%\tab \up0 \expndtw-1\charscalex1
00 13.66%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7304\tx8384\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on
revenue (D6/D1)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charsca
lex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 27.81%\
tab \up0 \expndtw-1\charscalex100 33.52%\tab \up0 \expndtw-1\charscalex100 27.89
%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9063\tx10143\tx11223
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expense
s to net income (D2/D6)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\
charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
217.68%\tab \up0 \expndtw-1\charscalex100 176.71%\tab \up0 \expndtw-1\charscalex
100 227.17%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9198\tx102
78\tx11358 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Managem
ent expenses (D4/D2)\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\cha
rscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.0
0%\tab \up0 \expndtw-1\charscalex100 1.75%\tab \up0 \expndtw-1\charscalex100 1.1
3%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7304\tx8384\tx9303\tx10383\tx1146
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Cert
ificate (D6/E1)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscal
ex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.94\tab
\up0 \expndtw-1\charscalex100 4.63\tab \up0 \expndtw-1\charscalex100 4.80\par\p
ard\li900\sb104\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx73
04\tx8384\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 1.Current asssets to current liabilities (C1/B1) (times)\tab \dn2 \
expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.90\tab \up0 \expndtw-1\charscale
x100 0.65\tab \up0 \expndtw-1\charscalex100 0.35\par\pard\li900\sb107\sl-161\slm
ult0\fi194\tx7304\tx8384\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)\ta
b \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.24\tab \up0 \expndtw-1\c
harscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0.38\par\pard\li900\sb106\sl
-161\slmult0\fi194\tx7304\tx8384\tx9198\tx10278\tx11298 \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total assets (C2b/
C)\tab \up0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-2\charscalex100 -\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6.57%\tab \up0 \expnd
tw-1\charscalex100 4.61%\tab \up0 \expndtw-1\charscalex100 28.30%\par\pard\li900
\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 H.Capital /leverage ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx730
4\tx8384\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Capital ratio (A/C)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn2 \
expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 68.48%\tab \up0 \expndtw-1\charscalex100 70.14%\tab \up0 \expndtw-1\ch

arscalex100 57.46%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx924
3\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.
Break up value per certificate (A/E1)\tab \up0 \expndtw-2\charscalex100 -\tab \u
p0 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 14.53\tab \up0 \expndtw-1\charscalex100 17.66\tab \up0 \expndtw-1\
charscalex100 20.22\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx7304\tx8384\tx9303\tx10383\tx11403 \dn2 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash generated from operating activities
to profit after tax. (E4/D6) (times)\tab \dn2 \expndtw-2\charscalex100 -\tab \dn
2 \expndtw-2\charscalex100 -\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1.56\tab \up0 \expndtw-1\charscalex100 1.91\tab \up0 \expndtw-1\cha
rscalex100 11.70\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7304\tx8384\tx9303\
tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Ca
sh generated from operating activities to current liabilities (E4/B1) (times)\ta
b \dn2 \expndtw-2\charscalex100 -\tab \dn2 \expndtw-2\charscalex100 -\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.35\tab \up0 \expndtw-1\c
harscalex100 1.67\tab \up0 \expndtw-1\charscalex100 5.13\par\pard\ql \li6037\sb0
\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\s
l-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl161\slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 128
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\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars

calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 B.F. Modaraba\tab \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi90\
tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\f5
5\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charscale
x100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscalex1
00 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx1
1238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equity
(A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 80,53
3\tab \up0 \expndtw-1\charscalex100 87,379\tab \up0 \expndtw-1\charscalex100 91,
058\tab \up0 \expndtw-1\charscalex100 94,461\tab \up0 \expndtw-1\charscalex100 1
11,953\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Certificate c
apital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 59,119\ta
b \up0 \expndtw-1\charscalex100 63,553\tab \up0 \expndtw-1\charscalex100 68,320\
tab \up0 \expndtw-1\charscalex100 68,320\tab \up0 \expndtw-1\charscalex100 75,15
2\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,054\tab \up0 \expndtw
-1\charscalex100 15,108\tab \up0 \expndtw-1\charscalex100 16,212\tab \up0 \expnd
tw-1\charscalex100 17,232\tab \up0 \expndtw-1\charscalex100 23,354\par\pard\li90
0\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11298 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8,360\tab \up0 \expndtw-1\
charscalex100 8,718\tab \up0 \expndtw-1\charscalex100 6,526\tab \up0 \expndtw-1\
charscalex100 8,909\tab \up0 \expndtw-1\charscalex100 13,447\par\pard\li900\sb10
6\sl-161\slmult0\fi194\tx6978\tx8133\tx9303\tx10293\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 10,267\tab \up0 \expndtw-1\charscalex100 5,933\
tab \up0 \expndtw-1\charscalex100 557\tab \up0 \expndtw-1\charscalex100 7,760\ta
b \up0 \expndtw-1\charscalex100 15,551\par\pard\li900\sb103\sl-184\slmult0\fi44\
tx7053\tx8133\tx9213\tx10293\tx11373 \dn3 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 3,085\tab \up0 \expndtw-1\charscalex100 3,279\tab
\up0 \expndtw-1\charscalex100 8,688\tab \up0 \expndtw-1\charscalex100 2,439\tab
\up0 \expndtw-1\charscalex100 4,935\par\pard\li900\sb88\sl-161\slmult0\fi194\tx
7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 1.Current liablities\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 2,862\tab \up0 \expndtw-1\charscalex100 3,158\tab \up0 \expn
dtw-1\charscalex100 8,521\tab \up0 \expndtw-1\charscalex100 2,193\tab \up0 \expn
dtw-1\charscalex100 1,906\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx822
3\tx9303\tx10383\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 223\tab \up0 \expndtw-1\charscalex100 121\tab \up0 \expndtw-1\cha
rscalex100 167\tab \up0 \expndtw-1\charscalex100 246\tab \up0 \expndtw-1\charsca
lex100 3,029\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9078\tx101
58\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total a
ssets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 93
,885\tab \up0 \expndtw-1\charscalex100 96,591\tab \up0 \expndtw-1\charscalex100
100,303\tab \up0 \expndtw-1\charscalex100 104,660\tab \up0 \expndtw-1\charscalex
100 132,439\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1015
8\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current
assets (a + b)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 9
0,753\tab \up0 \expndtw-1\charscalex100 95,048\tab \up0 \expndtw-1\charscalex100
99,061\tab \up0 \expndtw-1\charscalex100 103,685\tab \up0 \expndtw-1\charscalex
100 117,444\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7053\tx8058\tx9138\tx102
93\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash an

d banks balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12

8,235\tab \up0 \expndtw-1\charscalex100 25,109\tab \up0 \expndtw-1\charscalex10
0 15,491\tab \up0 \expndtw-1\charscalex100 8,008\tab \up0 \expndtw-1\charscalex1
00 17,645\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218
\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other cur
rent assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 82,5
19\tab \up0 \expndtw-1\charscalex100 69,939\tab \up0 \expndtw-1\charscalex100 83
,570\tab \up0 \expndtw-1\charscalex100 95,677\tab \up0 \expndtw-1\charscalex100
99,799\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10383\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current
assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 3,132\tab \up0 \expndtw-1\charscalex100 1,543\tab \up0 \expndtw-1\charscalex1
00 1,242\tab \up0 \expndtw-1\charscalex100 975\tab \up0 \expndtw-1\charscalex100
14,995\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7143\tx8223\tx9213\tx10383\t
x11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed asset
s\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 951\tab \up0 \
expndtw-1\charscalex100 808\tab \up0 \expndtw-1\charscalex100 1,202\tab \up0 \ex
pndtw-1\charscalex100 935\tab \up0 \expndtw-1\charscalex100 14,955\par\pard\li90
0\sb107\sl-161\slmult0\fi350\tx7053\tx8223\tx9378\tx10458\tx11538 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Long-term investments\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,181\tab \up0 \expndtw-1\
charscalex100 735\tab \up0 \expndtw-1\charscalex100 40\tab \up0 \expndtw-1\chars
calex100 40\tab \up0 \expndtw-1\charscalex100 40\par\pard\li900\sb106\sl-161\slm
ult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \e
xpndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\l
i900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue(loss)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,254\tab \up0 \expndtw-1
\charscalex100 11,014\tab \up0 \expndtw-1\charscalex100 14,473\tab \up0 \expndtw
-1\charscalex100 11,913\tab \up0 \expndtw-1\charscalex100 29,489\par\pard\li900\
sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Operating expenses\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,641\tab \up0 \expndtw-1\chars
calex100 1,845\tab \up0 \expndtw-1\charscalex100 2,201\tab \up0 \expndtw-1\chars
calex100 2,523\tab \up0 \expndtw-1\charscalex100 2,955\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx7053\tx8133\tx9138\tx10293\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 8,613\tab \up0 \expndtw-1\charscalex100 9,1
69\tab \up0 \expndtw-1\charscalex100 12,272\tab \up0 \expndtw-1\charscalex100 9,
390\tab \up0 \expndtw-1\charscalex100 26,534\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10518\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 4.Modaraba co's management fees\tab \up0 \expndtw-1\ch
arscalex100 \ul0\nosupersub\cf56\f57\fs12 773\tab \up0 \expndtw-1\charscalex100
847\tab \up0 \expndtw-1\charscalex100 811\tab \up0 \expndtw-1\charscalex100 0\ta
b \up0 \expndtw-1\charscalex100 20,369\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7053\tx8133\tx9213\tx10293\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 5.Profit/(loss) before taxation\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 6,958\tab \up0 \expndtw-1\charscalex100 7,626\
tab \up0 \expndtw-1\charscalex100 7,064\tab \up0 \expndtw-1\charscalex100 5,438\
tab \up0 \expndtw-1\charscalex100 20,369\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx7053\tx8133\tx9213\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 6,155\tab \up0 \expndtw-1\charscalex100 6,846
\tab \up0 \expndtw-1\charscalex100 3,679\tab \up0 \expndtw-1\charscalex100 3,403
\tab \up0 \expndtw-1\charscalex100 17,491\par\pard\li900\sb103\sl-184\slmult0\fi
44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par

\pard\li900\sb88\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of certificates\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,912\tab \up0 \exp
ndtw-1\charscalex100 6,355\tab \up0 \expndtw-1\charscalex100 6,832\tab \up0 \exp
ndtw-1\charscalex100 6,832\tab \up0 \expndtw-1\charscalex100 7,515\par\pard\li90
0\sb106\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscal
ex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscal
ex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\
slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 8.00%\tab \up0 \expndtw-1\charscale
x100 7.50%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscale
x100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\s
lmult0\fi194\tx6930\tx8058\tx9164\tx10170\tx11373 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activities\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (21,996)\tab \up0 \expn
dtw-1\charscalex100 10,527\tab \up0 \expndtw-1\charscalex100 (1,307)\tab \up0 \e
xpndtw-1\charscalex100 (13,710)\tab \up0 \expndtw-1\charscalex100 9,767\par\pard
\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\c
f53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161
\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndt
w-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.08%\tab \up0 \expndtw-1\charsc
alex100 7.83%\tab \up0 \expndtw-1\charscalex100 4.04%\tab \up0 \expndtw-1\charsc
alex100 3.60%\tab \up0 \expndtw-1\charscalex100 15.62%\par\pard\li900\sb107\sl-1
61\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1)
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.08%\tab \up0
\expndtw-1\charscalex100 8.16%\tab \up0 \expndtw-1\charscalex100 7.70%\tab \up0
\expndtw-1\charscalex100 5.31%\tab \up0 \expndtw-1\charscalex100 15.60%\par\par
d\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6
/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.07%\tab \u
p0 \expndtw-1\charscalex100 7.09%\tab \up0 \expndtw-1\charscalex100 3.67%\tab \u
p0 \expndtw-1\charscalex100 3.25%\tab \up0 \expndtw-1\charscalex100 13.21%\par\p
ard\li900\sb106\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (D6/D1
)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.60%\tab \up0
\expndtw-1\charscalex100 62.16%\tab \up0 \expndtw-1\charscalex100 25.42%\tab \u
p0 \expndtw-1\charscalex100 28.57%\tab \up0 \expndtw-1\charscalex100 59.31%\par\
pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expenses to n
et income (D2/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs1
2 0.27%\tab \up0 \expndtw-1\charscalex100 26.95%\tab \up0 \expndtw-1\charscalex1
00 59.83%\tab \up0 \expndtw-1\charscalex100 74.14%\tab \up0 \expndtw-1\charscale
x100 16.89%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx102
78\tx11223 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Managem
ent expenses (D4/D2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 0.47%\tab \up0 \expndtw-1\charscalex100 45.91%\tab \up0 \expndtw-1\charscal
ex100 36.85%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charsca
lex100 689.31%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx
10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earn
ing Per Certificate (D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 1.04\tab \up0 \expndtw-1\charscalex100 1.08\tab \up0 \expndtw-1\char
scalex100 0.54\tab \up0 \expndtw-1\charscalex100 0.50\tab \up0 \expndtw-1\charsc
alex100 2.33\par\pard\li900\sb104\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\
slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \dn2 \expndtw-2\charscalex100

\ul0\nosupersub\cf51\f52\fs14 1.Current asssets to current liabilities (C1/B1)

(times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 31.71\ta
b \up0 \expndtw-1\charscalex100 30.10\tab \up0 \expndtw-1\charscalex100 11.63\ta
b \up0 \expndtw-1\charscalex100 47.28\tab \up0 \expndtw-1\charscalex100 61.62\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to
total assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.03\tab \up0 \expndtw-1\charscalex100 0.03\tab \up0 \expndtw-1\chars
calex100 0.09\tab \up0 \expndtw-1\charscalex100 0.02\tab \up0 \expndtw-1\charsca
lex100 0.04\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx102
78\tx11358 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long te
rm investment to total assets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0.02%\tab \up0 \expndtw-1\charscalex100 0.76%\tab \up0 \ex
pndtw-1\charscalex100 0.04%\tab \up0 \expndtw-1\charscalex100 0.04%\tab \up0 \ex
pndtw-1\charscalex100 0.03%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\
pard\li900\sb88\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.86%\tab \up0 \expn
dtw-1\charscalex100 90.46%\tab \up0 \expndtw-1\charscalex100 90.78%\tab \up0 \ex
pndtw-1\charscalex100 90.26%\tab \up0 \expndtw-1\charscalex100 84.53%\par\pard\l
i900\sb107\sl-161\slmult0\fi194\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per certificat
e (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13.62\t
ab \up0 \expndtw-1\charscalex100 13.75\tab \up0 \expndtw-1\charscalex100 13.33\t
ab \up0 \expndtw-1\charscalex100 13.83\tab \up0 \expndtw-1\charscalex100 14.90\p
ar\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\t
x7080\tx8223\tx9240\tx10320\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Cash generated from operating activities to profit after tax.
(E4/D6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
-3.57\tab \up0 \expndtw-1\charscalex100 1.54\tab \up0 \expndtw-1\charscalex100 0.36\tab \up0 \expndtw-1\charscalex100 -4.03\tab \up0 \expndtw-1\charscalex100 0
.56\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7080\tx8223\tx9240\tx10320\tx114
63 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated
from operating activities to current liabilities (E4/B1) (times)\tab \up0 \expnd
tw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 -7.69\tab \up0 \expndtw-1\chars
calex100 3.33\tab \up0 \expndtw-1\charscalex100 -0.15\tab \up0 \expndtw-1\charsc
alex100 -6.25\tab \up0 \expndtw-1\charscalex100 5.12\par\pard\ql \li6037\sb0\sl161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-16
1\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\
slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\
slmult0 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 129
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g138}{\bkmkend Pg138}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 B.R.R. Guardian Modaraba\tab \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\sl
mult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \u
l0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\
charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6813\tx7893\tx9078\
tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.To
tal equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 1,310,919\tab \up0 \expndtw-1\charscalex100 1,396,251\tab \up0 \expndtw-1\
charscalex100 823,262\tab \up0 \expndtw-1\charscalex100 662,028\tab \up0 \expndt
w-1\charscalex100 703,731\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998
\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Certificate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 780,462\tab \up0 \expndtw-1\charscalex100 780,462\tab \up0 \expndtw-1\
charscalex100 780,462\tab \up0 \expndtw-1\charscalex100 780,462\tab \up0 \expndt
w-1\charscalex100 780,462\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx799
8\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
455,853\tab \up0 \expndtw-1\charscalex100 539,522\tab \up0 \expndtw-1\charscalex
100 544,522\tab \up0 \expndtw-1\charscalex100 544,522\tab \up0 \expndtw-1\charsc
alex100 565,374\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9030\t
x10110\tx11190 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Una
ppropriated profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 74,604\tab \up0 \expndtw-1\charscalex100 76,267\tab \up0 \expndtw-1\charscale
x100 (501,722)\tab \up0 \expndtw-1\charscalex100 (662,956)\tab \up0 \expndtw-1\c
harscalex100 (642,105)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\t
x9090\tx10170\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 4.Others\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 324,2
22\tab \up0 \expndtw-1\charscalex100 437,033\tab \up0 \expndtw-1\charscalex100 (
82,842)\tab \up0 \expndtw-1\charscalex100 (29,134)\tab \up0 \expndtw-1\charscale
x100 28,952\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6813\tx7893\tx8973\tx1005
3\tx11133 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total li
abilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 2,558,811\tab \up0 \expndtw-1\charscalex100 2,682,433\tab \up0 \expndtw-1\ch
arscalex100 2,266,700\tab \up0 \expndtw-1\charscalex100 3,010,180\tab \up0 \expn

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7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 1.Current liablities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 1,850,802\tab \up0 \expndtw-1\charscalex100 1,541,160\tab \up0 \exp
ndtw-1\charscalex100 1,104,517\tab \up0 \expndtw-1\charscalex100 1,976,529\tab \
up0 \expndtw-1\charscalex100 1,085,777\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx6918\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 708,009\tab \up0 \expndtw-1\charscalex100 1,141,273\
tab \up0 \expndtw-1\charscalex100 1,162,183\tab \up0 \expndtw-1\charscalex100 1,
033,651\tab \up0 \expndtw-1\charscalex100 1,148,339\par\pard\li900\sb103\sl-184\
slmult0\fi44\tx6813\tx7893\tx8973\tx10053\tx11133 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 4,193,952\tab \up0 \expndtw-1\charscalex100
4,515,717\tab \up0 \expndtw-1\charscalex100 3,007,120\tab \up0 \expndtw-1\chars
calex100 3,643,074\tab \up0 \expndtw-1\charscalex100 2,966,799\par\pard\li900\sb
88\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx11133 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,970,292\tab \up0 \expndtw-1\
charscalex100 2,296,937\tab \up0 \expndtw-1\charscalex100 1,032,099\tab \up0 \ex
pndtw-1\charscalex100 1,750,439\tab \up0 \expndtw-1\charscalex100 1,180,460\par\
pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8133\tx9138\tx10158\tx11238 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,950\tab \up0
\expndtw-1\charscalex100 9,881\tab \up0 \expndtw-1\charscalex100 66,288\tab \up
0 \expndtw-1\charscalex100 105,242\tab \up0 \expndtw-1\charscalex100 121,699\par
\pard\li900\sb108\sl-161\slmult0\fi350\tx6813\tx7893\tx9078\tx10053\tx11133 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,957,342\tab \up
0 \expndtw-1\charscalex100 2,287,056\tab \up0 \expndtw-1\charscalex100 965,811\t
ab \up0 \expndtw-1\charscalex100 1,645,197\tab \up0 \expndtw-1\charscalex100 1,0
58,761\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6813\tx7893\tx8973\tx10053\tx
11133 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current
assets (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 2,223,660\tab \up0 \expndtw-1\charscalex100 2,218,780\tab \up0 \expndtw-1\cha
rscalex100 1,975,021\tab \up0 \expndtw-1\charscalex100 1,892,635\tab \up0 \expnd
tw-1\charscalex100 1,786,339\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx
7998\tx9078\tx10158\tx11238 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 182,585\tab \up0 \expndtw-1\charscalex100 986,678\tab \up0 \expndtw-1\cha
rscalex100 505,989\tab \up0 \expndtw-1\charscalex100 289,635\tab \up0 \expndtw-1
\charscalex100 578,976\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6918\tx7998\t
x9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56
\f57\fs12 136,781\tab \up0 \expndtw-1\charscalex100 166,024\tab \up0 \expndtw-1\
charscalex100 163,297\tab \up0 \expndtw-1\charscalex100 593,777\tab \up0 \expndt
w-1\charscalex100 529,731\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6813\tx789
3\tx8973\tx10053\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\
fs14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 1,904,294\tab \up0 \expndtw-1\charscalex100 1,066,078\tab \up0 \
expndtw-1\charscalex100 1,305,735\tab \up0 \expndtw-1\charscalex100 1,009,223\ta
b \up0 \expndtw-1\charscalex100 677,632\par\pard\li900\sb103\sl-184\slmult0\fi44
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss acc
ount\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx112
38 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue(l
oss)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 885,526\tab
\up0 \expndtw-1\charscalex100 921,625\tab \up0 \expndtw-1\charscalex100 557,006
\tab \up0 \expndtw-1\charscalex100 631,419\tab \up0 \expndtw-1\charscalex100 614
,992\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10158\tx11
238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Operating expe

nses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 91,591\tab

\up0 \expndtw-1\charscalex100 98,877\tab \up0 \expndtw-1\charscalex100 99,113\ta
b \up0 \expndtw-1\charscalex100 102,281\tab \up0 \expndtw-1\charscalex100 109,30
3\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11238
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 793,935\tab \up0
\expndtw-1\charscalex100 822,748\tab \up0 \expndtw-1\charscalex100 457,893\tab
\up0 \expndtw-1\charscalex100 508,827\tab \up0 \expndtw-1\charscalex100 505,689\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9438\tx10518\tx11373 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Modaraba co's man
agement fees\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 14,
582\tab \up0 \expndtw-1\charscalex100 16,852\tab \up0 \expndtw-1\charscalex100 0
\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 4,728\par
\pard\li900\sb106\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10110\tx11298 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) before t
axation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 131,241\
tab \up0 \expndtw-1\charscalex100 151,671\tab \up0 \expndtw-1\charscalex100 502,
748\tab \up0 \expndtw-1\charscalex100 (161,234)\tab \up0 \expndtw-1\charscalex10
0 41,703\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx10110\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit/(lo
ss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 147,102\tab \up0 \expndtw-1\charscalex100 151,671\tab \up0 \expndtw-1\charsca
lex100 502,748\tab \up0 \expndtw-1\charscalex100 (161,234)\tab \up0 \expndtw-1\c
harscalex100 41,703\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-16
1\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex1
00 \ul0\nosupersub\cf51\f52\fs14 1.No. of certificates\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 78,046\tab \up0 \expndtw-1\charscalex100
78,046\tab \up0 \expndtw-1\charscalex100 78,046\tab \up0 \expndtw-1\charscalex10
0 78,046\tab \up0 \expndtw-1\charscalex100 78,046\par\pard\li900\sb106\sl-161\sl
mult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 8.50%\tab \up0 \expndtw-1\charscalex100 9.00%\tab \
up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \
up0 \expndtw-1\charscalex100 2.50%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7
008\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \u
p0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx69
18\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\c
f51\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 658,968\tab \up0 \expndtw-1\charscalex10
0 492,751\tab \up0 \expndtw-1\charscalex100 497,007\tab \up0 \expndtw-1\charscal
ex100 421,836\tab \up0 \expndtw-1\charscalex100 321,609\par\pard\li900\sb102\sl184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.E
fficiency ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\t
x7038\tx8058\tx9138\tx10140\tx11358 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0.11%\tab \up0 \expndtw-1\charscalex100 10.86%\t
ab \up0 \expndtw-1\charscalex100 61.07%\tab \up0 \expndtw-1\charscalex100 -24.35
%\tab \up0 \expndtw-1\charscalex100 5.93%\par\pard\li900\sb107\sl-161\slmult0\fi
194\tx7038\tx8118\tx9138\tx10215\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.06%\tab \up0 \expndtw-1\c
harscalex100 5.10%\tab \up0 \expndtw-1\charscalex100 26.42%\tab \up0 \expndtw-1\
charscalex100 -9.67%\tab \up0 \expndtw-1\charscalex100 2.22%\par\pard\li900\sb10
7\sl-161\slmult0\fi194\tx7038\tx8118\tx9138\tx10215\tx11358 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.04%\tab \up0 \expndtw-

1\charscalex100 3.36%\tab \up0 \expndtw-1\charscalex100 16.72%\tab \up0 \expndtw

-1\charscalex100 -4.43%\tab \up0 \expndtw-1\charscalex100 1.41%\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10140\tx11358 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (D6/D1)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.17%\tab \up0 \expndtw-1
\charscalex100 16.46%\tab \up0 \expndtw-1\charscalex100 90.26%\tab \up0 \expndtw
-1\charscalex100 -25.54%\tab \up0 \expndtw-1\charscalex100 6.78%\par\pard\li900\
sb107\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10140\tx11223 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expenses to net income (
D2/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.62%\tab
\up0 \expndtw-1\charscalex100 65.19%\tab \up0 \expndtw-1\charscalex100 19.71%\t
ab \up0 \expndtw-1\charscalex100 -63.44%\tab \up0 \expndtw-1\charscalex100 262.1
0%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8058\tx9198\tx10278\tx1135
8 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Management expen
ses (D4/D2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.16
%\tab \up0 \expndtw-1\charscalex100 17.04%\tab \up0 \expndtw-1\charscalex100 0.0
0%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 4.3
3%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10320\tx1146
3 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Cert
ificate (D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12
1.89\tab \up0 \expndtw-1\charscalex100 1.94\tab \up0 \expndtw-1\charscalex100 6.
44\tab \up0 \expndtw-1\charscalex100 -2.07\tab \up0 \expndtw-1\charscalex100 0.5
3\par\pard\li900\sb104\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf53\f54\fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\slmult0\fi1
94\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 1.Current asssets to current liabilities (C1/B1) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1.07\tab \up0 \expn
dtw-1\charscalex100 1.49\tab \up0 \expndtw-1\charscalex100 0.93\tab \up0 \expndt
w-1\charscalex100 0.89\tab \up0 \expndtw-1\charscalex100 1.09\par\pard\li900\sb1
07\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/
C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.61\
tab \up0 \expndtw-1\charscalex100 0.59\tab \up0 \expndtw-1\charscalex100 0.75\ta
b \up0 \expndtw-1\charscalex100 0.83\tab \up0 \expndtw-1\charscalex100 0.75\par\
pard\li900\sb106\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10218\tx11298 \up0
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to
total assets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0.03%\tab \up0 \expndtw-1\charscalex100 3.68%\tab \up0 \expndtw-1\charscal
ex100 5.43%\tab \up0 \expndtw-1\charscalex100 16.30%\tab \up0 \expndtw-1\charsca
lex100 17.86%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb8
8\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.31%\tab \up0 \expndtw-1\charscal
ex100 30.92%\tab \up0 \expndtw-1\charscalex100 27.38%\tab \up0 \expndtw-1\charsc
alex100 18.17%\tab \up0 \expndtw-1\charscalex100 23.72%\par\pard\li900\sb107\sl161\slmult0\fi194\tx7083\tx8163\tx9243\tx10383\tx11463 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per certificate (A/E1)\tab \
up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 16.80\tab \up0 \expnd
tw-1\charscalex100 17.89\tab \up0 \expndtw-1\charscalex100 10.55\tab \up0 \expnd
tw-1\charscalex100 8.48\tab \up0 \expndtw-1\charscalex100 9.02\par\pard\li900\sb
102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\f
s16 I.Cash flow ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7143\tx8223\tx9
303\tx10320\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.48\tab \up0 \e
xpndtw-1\charscalex100 3.25\tab \up0 \expndtw-1\charscalex100 0.99\tab \up0 \exp
ndtw-1\charscalex100 -2.62\tab \up0 \expndtw-1\charscalex100 7.71\par\pard\li900
\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-1
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating act

ivities to current liabilities (E4/B1) (times)\tab \up0 \expndtw-1\charscalex100

\ul0\nosupersub\cf56\f57\fs12 0.36\tab \up0 \expndtw-1\charscalex100 0.32\tab \
up0 \expndtw-1\charscalex100 0.45\tab \up0 \expndtw-1\charscalex100 0.21\tab \up
0 \expndtw-1\charscalex100 0.30\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard
\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\q
l\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\
li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 130
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g139}{\bkmkend Pg139}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Constellation Modaraba\tab \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmu
lt0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0
\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\
charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\ch
arscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx
10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tota
l equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 75,571\tab \up0 \expndtw-1\charscalex100 74,736\tab \up0 \expndtw-1\charscal
ex100 65,069\tab \up0 \expndtw-1\charscalex100 67,185\tab \up0 \expndtw-1\charsc

alex100 69,592\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx1
0218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Certi
ficate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6
4,625\tab \up0 \expndtw-1\charscalex100 64,625\tab \up0 \expndtw-1\charscalex100
64,625\tab \up0 \expndtw-1\charscalex100 64,625\tab \up0 \expndtw-1\charscalex1
00 64,625\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293
\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserves\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,867\tab \up0 \
expndtw-1\charscalex100 5,927\tab \up0 \expndtw-1\charscalex100 5,928\tab \up0 \
expndtw-1\charscalex100 6,350\tab \up0 \expndtw-1\charscalex100 6,832\par\pard\l
i900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9164\tx10244\tx11324 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5,079\tab \up0 \expndtw
-1\charscalex100 4,184\tab \up0 \expndtw-1\charscalex100 (5,484)\tab \up0 \expnd
tw-1\charscalex100 (3,790)\tab \up0 \expndtw-1\charscalex100 (1,865)\par\pard\li
900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndt
w-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\t
ab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0
\expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx7053\tx813
3\tx9213\tx10293\tx11373 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 6,361\tab \up0 \expndtw-1\charscalex100 6,573\tab \up0 \expnd
tw-1\charscalex100 6,277\tab \up0 \expndtw-1\charscalex100 7,254\tab \up0 \expnd
tw-1\charscalex100 4,386\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7053\tx8133\
tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 1.Current liablities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 6,361\tab \up0 \expndtw-1\charscalex100 6,573\tab \up0 \expndtw-1\charsc
alex100 6,277\tab \up0 \expndtw-1\charscalex100 7,254\tab \up0 \expndtw-1\charsc
alex100 4,063\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx1
0518\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-c
urrent liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs
12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab
\up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 323\par\pard\
li900\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 81,932\tab \up0 \expndtw
-1\charscalex100 81,309\tab \up0 \expndtw-1\charscalex100 71,346\tab \up0 \expnd
tw-1\charscalex100 74,439\tab \up0 \expndtw-1\charscalex100 73,978\par\pard\li90
0\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2
\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 25,233\tab \up0 \expndtw-1
\charscalex100 24,595\tab \up0 \expndtw-1\charscalex100 38,238\tab \up0 \expndtw
-1\charscalex100 41,369\tab \up0 \expndtw-1\charscalex100 40,881\par\pard\li900\
sb106\sl-161\slmult0\fi350\tx6978\tx8298\tx9378\tx10383\tx11373 \dn2 \expndtw-2\
charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 12,329\tab \up0 \expndtw-1
\charscalex100 21\tab \up0 \expndtw-1\charscalex100 86\tab \up0 \expndtw-1\chars
calex100 240\tab \up0 \expndtw-1\charscalex100 1,084\par\pard\li900\sb108\sl-161
\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw-1\chars
calex100 \ul0\nosupersub\cf56\f57\fs12 12,904\tab \up0 \expndtw-1\charscalex100
24,574\tab \up0 \expndtw-1\charscalex100 38,152\tab \up0 \expndtw-1\charscalex10
0 41,129\tab \up0 \expndtw-1\charscalex100 39,797\par\pard\li900\sb106\sl-161\sl
mult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 56,699\tab \up0 \expndtw-1\charsca
lex100 56,714\tab \up0 \expndtw-1\charscalex100 33,108\tab \up0 \expndtw-1\chars
calex100 33,070\tab \up0 \expndtw-1\charscalex100 33,097\par\pard\li900\sb107\sl
-161\slmult0\fi350\tx7143\tx8223\tx9303\tx10458\tx11538 \up0 \expndtw-2\charscal

ex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscale

x100 \ul0\nosupersub\cf56\f57\fs12 699\tab \up0 \expndtw-1\charscalex100 714\tab
\up0 \expndtw-1\charscalex100 108\tab \up0 \expndtw-1\charscalex100 70\tab \up0
\expndtw-1\charscalex100 39\par\pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersu
b\cf56\f57\fs12 23,000\tab \up0 \expndtw-1\charscalex100 23,000\tab \up0 \expndt
w-1\charscalex100 33,000\tab \up0 \expndtw-1\charscalex100 33,000\tab \up0 \expn
dtw-1\charscalex100 33,000\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx80
58\tx9438\tx10518\tx11538 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52
\fs14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupers
ub\cf56\f57\fs12 33,000\tab \up0 \expndtw-1\charscalex100 33,000\tab \up0 \expnd
tw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha
rscalex100 58\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross revenue(loss)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 8,582\tab \up0 \expndtw-1\charscalex1
00 4,357\tab \up0 \expndtw-1\charscalex100 3,854\tab \up0 \expndtw-1\charscalex1
00 7,347\tab \up0 \expndtw-1\charscalex100 7,271\par\pard\li900\sb106\sl-161\slm
ult0\fi194\tx7053\tx8223\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 2.Operating expenses\tab \up0 \expndtw-1\charscalex1
00 \ul0\nosupersub\cf56\f57\fs12 4,228\tab \up0 \expndtw-1\charscalex100 332\tab
\up0 \expndtw-1\charscalex100 4,227\tab \up0 \expndtw-1\charscalex100 4,903\tab
\up0 \expndtw-1\charscalex100 5,874\par\pard\li900\sb107\sl-161\slmult0\fi194\t
x7053\tx8133\tx9255\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 3.Operating profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 4,354\tab \up0 \expndtw-1\charscalex100 4,025\tab \up0 \expnd
tw-1\charscalex100 (373)\tab \up0 \expndtw-1\charscalex100 2,444\tab \up0 \expnd
tw-1\charscalex100 1,397\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7218\tx8298
\tx9438\tx10518\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 4.Modaraba co's management fees\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 94\tab \up0 \expndtw-1\charscalex100 30\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charsc
alex100 2,719\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9164\tx1
0293\tx11415 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Profi
t/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 937\tab \up0 \expndtw-1\charscalex100 301\tab \up0 \expndtw-1\charscale
x100 (4,987)\tab \up0 \expndtw-1\charscalex100 2,223\tab \up0 \expndtw-1\charsca
lex100 (247)\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9164\tx10
293\tx11490 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Profit
/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 894\tab \up0 \expndtw-1\charscalex100 301\tab \up0 \expndtw-1\charscalex1
00 (4,987)\tab \up0 \expndtw-1\charscalex100 2,118\tab \up0 \expndtw-1\charscale
x100 (66)\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-161\slmult0\
fi194\tx7053\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 1.No. of certificates\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 6,462\tab \up0 \expndtw-1\charscalex100 6,462\tab \
up0 \expndtw-1\charscalex100 6,462\tab \up0 \expndtw-1\charscalex100 6,462\tab \
up0 \expndtw-1\charscalex100 6,462\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7
008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\
cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\
charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7008\tx8088\tx91
68\tx10248\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3
.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\c
f56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c
harscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\c

harscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8010\tx921
3\tx10383\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.
Cash generated from operating activities\tab \up0 \expndtw-1\charscalex100 \ul0\
nosupersub\cf56\f57\fs12 96,056\tab \up0 \expndtw-1\charscalex100 (17,078)\tab \
up0 \expndtw-1\charscalex100 7,897\tab \up0 \expndtw-1\charscalex100 162\tab \up
0 \expndtw-1\charscalex100 1,929\par\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \
expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency ratios/profit
ability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\tx1
0278\tx11295 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Retur
n on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0.01%\tab \up0 \expndtw-1\charscalex100 0.40%\tab \up0 \expndtw-1\chars
calex100 -7.66%\tab \up0 \expndtw-1\charscalex100 3.15%\tab \up0 \expndtw-1\char
scalex100 -0.09%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9135\
tx10278\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Re
turn on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 0.01%\tab \up0 \expndtw-1\charscalex100 0.40%\tab \u
p0 \expndtw-1\charscalex100 -7.66%\tab \up0 \expndtw-1\charscalex100 3.31%\tab \
up0 \expndtw-1\charscalex100 -0.35%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx
7038\tx8118\tx9135\tx10278\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub
\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.01%\tab \up0 \expndtw-1\charscalex100 0.37%\tab
\up0 \expndtw-1\charscalex100 -6.99%\tab \up0 \expndtw-1\charscalex100 2.85%\ta
b \up0 \expndtw-1\charscalex100 -0.09%\par\pard\li900\sb106\sl-161\slmult0\fi194
\tx7038\tx8118\tx9000\tx10218\tx11295 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 4.Return on revenue (D6/D1)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.10%\tab \up0 \expndtw-1\charscalex100 6.91%\tab
\up0 \expndtw-1\charscalex100 -129.40%\tab \up0 \expndtw-1\charscalex100 28.83%\
tab \up0 \expndtw-1\charscalex100 -0.91%\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx7038\tx7983\tx9060\tx10143\tx11055 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \expndtw
-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4.73%\tab \up0 \expndtw-1\charsca
lex100 110.30%\tab \up0 \expndtw-1\charscalex100 -84.76%\tab \up0 \expndtw-1\cha
rscalex100 231.49%\tab \up0 \expndtw-1\charscalex100 -8,900.00%\par\pard\li900\s
b107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11298 \up0 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Management expenses (D4/D2)\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.02%\tab \up0 \expndtw
-1\charscalex100 9.04%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw
-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 46.29%\par\pard\li900\s
b106\sl-161\slmult0\fi194\tx7143\tx8223\tx9240\tx10383\tx11400 \dn2 \expndtw-2\c
harscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Certificate (D6/E1)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.14\tab \up0 \expn
dtw-1\charscalex100 0.05\tab \up0 \expndtw-1\charscalex100 -0.77\tab \up0 \expnd
tw-1\charscalex100 0.33\tab \up0 \expndtw-1\charscalex100 -0.01\par\pard\li900\s
b104\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\
fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7143\tx8223\t
x9303\tx10383\tx11403 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Current asssets to current liabilities (C1/B1) (times)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 3.97\tab \up0 \expndtw-1\charscalex10
0 3.74\tab \up0 \expndtw-1\charscalex100 6.09\tab \up0 \expndtw-1\charscalex100
5.70\tab \up0 \expndtw-1\charscalex100 10.06\par\pard\li900\sb107\sl-161\slmult0
\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)\tab \u
p0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.08\tab \up0 \expndtw
-1\charscalex100 0.08\tab \up0 \expndtw-1\charscalex100 0.09\tab \up0 \expndtw-1
\charscalex100 0.10\tab \up0 \expndtw-1\charscalex100 0.06\par\pard\li900\sb106\
sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \up0 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total assets (C2
b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.28%\tab \
up0 \expndtw-1\charscalex100 28.29%\tab \up0 \expndtw-1\charscalex100 46.25%\tab
\up0 \expndtw-1\charscalex100 44.33%\tab \up0 \expndtw-1\charscalex100 44.61%\p

ar\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosup

ersub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb88\sl-161\slmult
0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 0.92%\tab \up0 \expndtw-1\charscalex100 91.92%\ta
b \up0 \expndtw-1\charscalex100 91.20%\tab \up0 \expndtw-1\charscalex100 90.26%\
tab \up0 \expndtw-1\charscalex100 94.07%\par\pard\li900\sb107\sl-161\slmult0\fi1
94\tx7083\tx8163\tx9243\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 2.Break up value per certificate (A/E1)\tab \up0 \expndtw-1\
charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.70\tab \up0 \expndtw-1\charscalex
100 11.57\tab \up0 \expndtw-1\charscalex100 10.07\tab \up0 \expndtw-1\charscalex
100 10.40\tab \up0 \expndtw-1\charscalex100 10.77\par\pard\li900\sb102\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash fl
ow ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7008\tx8084\tx9240\tx10383\t
x11324 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash genera
ted from operating activities to profit after tax. (E4/D6) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 107.45\tab \up0 \expndtw-1\ch
arscalex100 -56.74\tab \up0 \expndtw-1\charscalex100 -1.58\tab \up0 \expndtw-1\c
harscalex100 0.08\tab \up0 \expndtw-1\charscalex100 -29.23\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7083\tx8160\tx9303\tx10383\tx11463 \dn2 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities
to current liabilities (E4/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 15.10\tab \up0 \expndtw-1\charscalex100 -2.60\tab \up0 \
expndtw-1\charscalex100 1.26\tab \up0 \expndtw-1\charscalex100 0.02\tab \up0 \ex
pndtw-1\charscalex100 0.47\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\l
i6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6
037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li603
7\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 131
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{\shp {\*\shpinst\shpleft900\shptop810\shpright11700\shpbottom810\shpfhdr0\shpbx
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xpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz29\shplid2
{\sp{\sn shapeType}{\sv 0}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{
\sn geoRight}{\sv 3510}}{\sp{\sn geoBottom}{\sv 188}}{\sp{\sn shapePath}{\sv 4}}
{\sp{\sn pVerticies}{\sv 8;4;(0,188);(3510,188);(3510,0);(0,0)}}
{\sp{\sn pSegmentInfo}{\sv 2;9;16384;45824;1;45824;1;45824;1;45824;32768}}
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{\shp {\*\shpinst\shpleft900\shptop1350\shpright11700\shpbottom1350\shpfhdr0\shp
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{\shp {\*\shpinst\shpleft900\shptop1619\shpright11700\shpbottom1619\shpfhdr0\shp
bxpage\shpbypage\shpwr3\shpwrk0\shpfblwtxt1\shpz57\shplid5{\sp{\sn shapeType}{\s
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g140}{\bkmkend Pg140}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Crescent Standard Modaraba\tab \up0 \expndtw-2\charscal
ex100 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\
slmult0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100
\ul0\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndt
w-2\charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw2\charscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx907
8\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.
Total equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 108,602\tab \up0 \expndtw-1\charscalex100 109,140\tab \up0 \expndtw-1\ch
arscalex100 110,902\tab \up0 \expndtw-1\charscalex100 115,926\tab \up0 \expndtw1\charscalex100 118,552\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\t
x9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs1
4 1.Certificate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f
57\fs12 200,000\tab \up0 \expndtw-1\charscalex100 200,000\tab \up0 \expndtw-1\ch
arscalex100 200,000\tab \up0 \expndtw-1\charscalex100 200,000\tab \up0 \expndtw1\charscalex100 200,000\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\
tx9213\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs
14 2.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 4,
288\tab \up0 \expndtw-1\charscalex100 4,557\tab \up0 \expndtw-1\charscalex100 5,
438\tab \up0 \expndtw-1\charscalex100 7,950\tab \up0 \expndtw-1\charscalex100 10
,463\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6930\tx8010\tx9090\tx10170\tx11
250 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated
profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (95,686)
\tab \up0 \expndtw-1\charscalex100 (95,417)\tab \up0 \expndtw-1\charscalex100 (9
4,536)\tab \up0 \expndtw-1\charscalex100 (92,024)\tab \up0 \expndtw-1\charscalex
100 (91,911)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8084\tx9255\tx10
335\tx11324 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \exp
ndtw-1\charscalex100 (1,311)\tab \up0 \expndtw-1\charscalex100 (630)\tab \up0 \e
xpndtw-1\charscalex100 (896)\tab \up0 \expndtw-1\charscalex100 (1,001)\par\pard\
li900\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,652\tab \up0 \
expndtw-1\charscalex100 23,108\tab \up0 \expndtw-1\charscalex100 23,179\tab \up0
\expndtw-1\charscalex100 44,101\tab \up0 \expndtw-1\charscalex100 30,688\par\pa
rd\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \ex
pndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current liablities\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 23,652\tab \up0 \expndt
w-1\charscalex100 23,108\tab \up0 \expndtw-1\charscalex100 23,179\tab \up0 \expn
dtw-1\charscalex100 43,951\tab \up0 \expndtw-1\charscalex100 24,510\par\pard\li9
00\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10383\tx11373 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current liabilities\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscale
x100 150\tab \up0 \expndtw-1\charscalex100 6,178\par\pard\li900\sb103\sl-184\slm
ult0\fi44\tx6918\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul
0\nosupersub\cf53\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 132,254\tab \up0 \expndtw-1\charscalex100 130,
937\tab \up0 \expndtw-1\charscalex100 133,451\tab \up0 \expndtw-1\charscalex100

159,131\tab \up0 \expndtw-1\charscalex100 148,239\par\pard\li900\sb88\sl-161\slm

ult0\fi194\tx6918\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 132,254\tab \up0 \expndtw-1\charscalex100 1
30,619\tab \up0 \expndtw-1\charscalex100 133,451\tab \up0 \expndtw-1\charscalex1
00 134,649\tab \up0 \expndtw-1\charscalex100 96,730\par\pard\li900\sb106\sl-161\
slmult0\fi350\tx7143\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 286\tab \up0 \expndtw-1\charscalex100 1
6,088\tab \up0 \expndtw-1\charscalex100 16,490\tab \up0 \expndtw-1\charscalex100
20,812\tab \up0 \expndtw-1\charscalex100 20,645\par\pard\li900\sb108\sl-161\slm
ult0\fi350\tx6918\tx7998\tx9078\tx10158\tx11298 \dn2 \expndtw-2\charscalex100 \u
l0\nosupersub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 131,968\tab \up0 \expndtw-1\charscalex100 114
,531\tab \up0 \expndtw-1\charscalex100 116,961\tab \up0 \expndtw-1\charscalex100
113,837\tab \up0 \expndtw-1\charscalex100 76,085\par\pard\li900\sb106\sl-161\sl
mult0\fi194\tx7278\tx8223\tx9438\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \
ul0\nosupersub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex10
0 318\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 24,4
82\tab \up0 \expndtw-1\charscalex100 51,509\par\pard\li900\sb107\sl-161\slmult0\
fi350\tx7278\tx8223\tx9438\tx10293\tx11298 \up0 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100 \ul0\nos
upersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 318\tab \up0 \expndtw1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 2,285\tab \up0 \expndtw-1\ch
arscalex100 25,864\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7278\tx8358\tx943
8\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.
Long-term investments\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57
\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\
tab \up0 \expndtw-1\charscalex100 22,197\tab \up0 \expndtw-1\charscalex100 25,64
5\par\pard\li900\sb106\sl-161\slmult0\fi350\tx7278\tx8358\tx9438\tx10518\tx11598
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current
assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \u
p0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expn
dtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\s
l-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D
.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7143\tx8133\tx
9213\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
1.Gross revenue(loss)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f5
7\fs12 178\tab \up0 \expndtw-1\charscalex100 1,417\tab \up0 \expndtw-1\charscale
x100 4,218\tab \up0 \expndtw-1\charscalex100 13,528\tab \up0 \expndtw-1\charscal
ex100 16,842\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8133\tx9213\tx10
293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Operat
ing expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 646
\tab \up0 \expndtw-1\charscalex100 1,822\tab \up0 \expndtw-1\charscalex100 1,919
\tab \up0 \expndtw-1\charscalex100 5,983\tab \up0 \expndtw-1\charscalex100 5,242
\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7095\tx8175\tx9213\tx10293\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (468)\tab \up0 \e
xpndtw-1\charscalex100 (405)\tab \up0 \expndtw-1\charscalex100 2,299\tab \up0 \e
xpndtw-1\charscalex100 9,085\tab \up0 \expndtw-1\charscalex100 11,600\par\pard\l
i900\sb107\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11463 \dn2 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Modaraba co's management fe
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \e
xpndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1
\charscalex100 0\tab \up0 \expndtw-1\charscalex100 570\par\pard\li900\sb106\sl-1
61\slmult0\fi194\tx7143\tx8223\tx9213\tx10293\tx11373 \up0 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 5.Profit/(loss) before taxation\tab \up0 \expn
dtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 538\tab \up0 \expndtw-1\charsc
alex100 538\tab \up0 \expndtw-1\charscalex100 1,762\tab \up0 \expndtw-1\charscal

ex100 5,024\tab \up0 \expndtw-1\charscalex100 5,026\par\pard\li900\sb107\sl-161\

slmult0\fi194\tx7143\tx8223\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 6.Profit/(loss) after taxation\tab \up0 \expndtw1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 538\tab \up0 \expndtw-1\charscalex
100 538\tab \up0 \expndtw-1\charscalex100 1,762\tab \up0 \expndtw-1\charscalex10
0 5,024\tab \up0 \expndtw-1\charscalex100 5,026\par\pard\li900\sb103\sl-184\slmu
lt0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 E.Other ite
ms\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298
\dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.No. of certificat
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,000\tab \u
p0 \expndtw-1\charscalex100 20,000\tab \up0 \expndtw-1\charscalex100 20,000\tab
\up0 \expndtw-1\charscalex100 20,000\tab \up0 \expndtw-1\charscalex100 20,000\pa
r\pard\li900\sb106\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw
-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw
-1\charscalex100 1.20%\tab \up0 \expndtw-1\charscalex100 1.20%\par\pard\li900\sb
107\sl-161\slmult0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2\ch
arscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Stock dividend/bonus shares\tab \up0
\expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\par\pard\li900\sb1
07\sl-161\slmult0\fi194\tx7053\tx8058\tx9138\tx10218\tx11373 \dn2 \expndtw-2\cha
rscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Cash generated from operating activit
ies\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2,770\tab \u
p0 \expndtw-1\charscalex100 42,512\tab \up0 \expndtw-1\charscalex100 32,502\tab
\up0 \expndtw-1\charscalex100 19,282\tab \up0 \expndtw-1\charscalex100 6,683\par
\pard\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf53\f54\fs16 F.Efficiency ratios/profitability ratios\par\pard\li900\sb88\s
l-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf51\f52\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \e
xpndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.01%\tab \up0 \expndtw-1\c
harscalex100 0.49%\tab \up0 \expndtw-1\charscalex100 1.59%\tab \up0 \expndtw-1\c
harscalex100 4.33%\tab \up0 \expndtw-1\charscalex100 4.24%\par\pard\li900\sb107\
sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charsc
alex100 \ul0\nosupersub\cf51\f52\fs14 2.Return on capital employed (ROCE) (D5/(C
-B1))\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.01%\tab
\up0 \expndtw-1\charscalex100 0.50%\tab \up0 \expndtw-1\charscalex100 1.60%\tab
\up0 \expndtw-1\charscalex100 4.36%\tab \up0 \expndtw-1\charscalex100 4.06%\par\
pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Return on assets (ROA)
(D6/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.00%\tab
\up0 \expndtw-1\charscalex100 0.41%\tab \up0 \expndtw-1\charscalex100 1.32%\tab
\up0 \expndtw-1\charscalex100 3.16%\tab \up0 \expndtw-1\charscalex100 3.39%\par
\pard\li900\sb106\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Return on revenue (D6/
D1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 3.02%\tab \u
p0 \expndtw-1\charscalex100 37.97%\tab \up0 \expndtw-1\charscalex100 41.77%\tab
\up0 \expndtw-1\charscalex100 37.14%\tab \up0 \expndtw-1\charscalex100 29.84%\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx7983\tx9063\tx10143\tx11223 \dn
2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Operating expenses to
net income (D2/D6)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 1.20%\tab \up0 \expndtw-1\charscalex100 338.66%\tab \up0 \expndtw-1\charscal
ex100 108.91%\tab \up0 \expndtw-1\charscalex100 119.09%\tab \up0 \expndtw-1\char
scalex100 104.30%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx8118\tx9198
\tx10278\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.M
anagement expenses (D4/D2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\cha
rscalex100 10.87%\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303

\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.E

arning Per Certificate (D6/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub
\cf56\f57\fs12 0.03\tab \up0 \expndtw-1\charscalex100 0.03\tab \up0 \expndtw-1\c
harscalex100 0.09\tab \up0 \expndtw-1\charscalex100 0.25\tab \up0 \expndtw-1\cha
rscalex100 0.25\par\pard\li900\sb104\sl-184\slmult0\fi44 \up0 \expndtw-2\charsca
lex100 \ul0\nosupersub\cf53\f54\fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-1
61\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 1.Current asssets to current liabilities (C1/B
1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.59\
tab \up0 \expndtw-1\charscalex100 5.65\tab \up0 \expndtw-1\charscalex100 5.76\ta
b \up0 \expndtw-1\charscalex100 3.06\tab \up0 \expndtw-1\charscalex100 3.95\par\
pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Total liabilities to to
tal assets (B/C) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\
f57\fs12 0.18\tab \up0 \expndtw-1\charscalex100 0.18\tab \up0 \expndtw-1\charsca
lex100 0.17\tab \up0 \expndtw-1\charscalex100 0.28\tab \up0 \expndtw-1\charscale
x100 0.21\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7038\tx8118\tx9198\tx10218
\tx11298 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term
investment to total assets (C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosup
ersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0 \expn
dtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 13.95%\tab \up0 \exp
ndtw-1\charscalex100 17.30%\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 H.Capital /leverage ratios\par\
pard\li900\sb88\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \
expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.82%\tab \up0 \expn
dtw-1\charscalex100 83.35%\tab \up0 \expndtw-1\charscalex100 83.10%\tab \up0 \ex
pndtw-1\charscalex100 72.85%\tab \up0 \expndtw-1\charscalex100 79.97%\par\pard\l
i900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \up0 \expnd
tw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Break up value per certificat
e (A/E1)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.43\ta
b \up0 \expndtw-1\charscalex100 5.46\tab \up0 \expndtw-1\charscalex100 5.55\tab
\up0 \expndtw-1\charscalex100 5.80\tab \up0 \expndtw-1\charscalex100 5.93\par\pa
rd\li900\sb102\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub
\cf53\f54\fs16 I.Cash flow ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7143
\tx8163\tx9243\tx10383\tx11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 1.Cash generated from operating activities to profit after tax. (E4/D
6) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5.15\
tab \up0 \expndtw-1\charscalex100 79.02\tab \up0 \expndtw-1\charscalex100 18.45\
tab \up0 \expndtw-1\charscalex100 3.84\tab \up0 \expndtw-1\charscalex100 1.33\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn
2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from o
perating activities to current liabilities (E4/B1) (times)\tab \up0 \expndtw-1\c
harscalex100 \ul0\nosupersub\cf56\f57\fs12 0.12\tab \up0 \expndtw-1\charscalex10
0 1.84\tab \up0 \expndtw-1\charscalex100 1.40\tab \up0 \expndtw-1\charscalex100
0.44\tab \up0 \expndtw-1\charscalex100 0.27\par\pard\ql \li6037\sb0\sl-161\slmul
t0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0
\par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \
par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \
up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 132
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}}\par\pard\sect\sectd\fs24\paperw12960\paperh15840\pard\sb0\sl-240{\bkmkstart P
g141}{\bkmkend Pg141}\par\pard\li6930\sb0\sl-184\slmult0\par\pard\li6930\sb133\s
l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Elite Capital Modaraba\tab \up0 \expndtw-2\charscalex10
0 \ul0\nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmu
lt0\fi90\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0
\nosupersub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf54\f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\
charscalex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\ch
arscalex100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx
10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Tota
l equity (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 123,951\tab \up0 \expndtw-1\charscalex100 118,182\tab \up0 \expndtw-1\charsc
alex100 112,550\tab \up0 \expndtw-1\charscalex100 117,680\tab \up0 \expndtw-1\ch
arscalex100 124,042\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx907
8\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.
Certificate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\f
s12 113,400\tab \up0 \expndtw-1\charscalex100 113,400\tab \up0 \expndtw-1\charsc
alex100 113,400\tab \up0 \expndtw-1\charscalex100 113,400\tab \up0 \expndtw-1\ch
arscalex100 113,400\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8133\tx92
55\tx10293\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2
.Reserves\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10,551
\tab \up0 \expndtw-1\charscalex100 4,782\tab \up0 \expndtw-1\charscalex100 (850)
\tab \up0 \expndtw-1\charscalex100 4,280\tab \up0 \expndtw-1\charscalex100 10,64
2\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598
\up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated pr
ofit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0
\expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw
-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb106\sl-1
61\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11598 \dn2 \expndtw-2\charscalex
100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expnd

tw-1\charscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\cha

rscalex100 0\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6978\tx8058\tx9138\tx102
18\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 B.Total l
iabilities (B1 + B2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\
fs12 18,767\tab \up0 \expndtw-1\charscalex100 25,553\tab \up0 \expndtw-1\charsca
lex100 32,568\tab \up0 \expndtw-1\charscalex100 37,344\tab \up0 \expndtw-1\chars
calex100 44,098\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7053\tx8058\tx9138\tx
10218\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Curr
ent liablities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 6
,974\tab \up0 \expndtw-1\charscalex100 12,717\tab \up0 \expndtw-1\charscalex100
14,290\tab \up0 \expndtw-1\charscalex100 15,150\tab \up0 \expndtw-1\charscalex10
0 9,358\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current
liabilities\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11,
793\tab \up0 \expndtw-1\charscalex100 12,836\tab \up0 \expndtw-1\charscalex100 1
8,278\tab \up0 \expndtw-1\charscalex100 22,194\tab \up0 \expndtw-1\charscalex100
34,740\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx10158\tx
11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 C.Total assets
(C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 142,718
\tab \up0 \expndtw-1\charscalex100 143,735\tab \up0 \expndtw-1\charscalex100 145
,118\tab \up0 \expndtw-1\charscalex100 155,024\tab \up0 \expndtw-1\charscalex100
168,140\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\t
x11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Current ass
ets (a + b)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 82,8
60\tab \up0 \expndtw-1\charscalex100 67,337\tab \up0 \expndtw-1\charscalex100 47
,099\tab \up0 \expndtw-1\charscalex100 49,915\tab \up0 \expndtw-1\charscalex100
59,789\par\pard\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10293\tx
11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Cash and ban
ks balances\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 13,6
65\tab \up0 \expndtw-1\charscalex100 13,961\tab \up0 \expndtw-1\charscalex100 10
,439\tab \up0 \expndtw-1\charscalex100 6,480\tab \up0 \expndtw-1\charscalex100 1
6,825\par\pard\li900\sb108\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx1
1298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Other current
assets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 69,195\t
ab \up0 \expndtw-1\charscalex100 53,376\tab \up0 \expndtw-1\charscalex100 36,660
\tab \up0 \expndtw-1\charscalex100 43,435\tab \up0 \expndtw-1\charscalex100 42,9
64\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10158\tx1123
8 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Non-current asse
ts (a + b + c)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 5
9,858\tab \up0 \expndtw-1\charscalex100 76,398\tab \up0 \expndtw-1\charscalex100
98,019\tab \up0 \expndtw-1\charscalex100 105,109\tab \up0 \expndtw-1\charscalex
100 108,351\par\pard\li900\sb107\sl-161\slmult0\fi350\tx7053\tx8133\tx9213\tx102
93\tx11373 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 a.Fixed a
ssets\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 1,712\tab
\up0 \expndtw-1\charscalex100 1,791\tab \up0 \expndtw-1\charscalex100 1,620\tab
\up0 \expndtw-1\charscalex100 1,758\tab \up0 \expndtw-1\charscalex100 2,969\par\
pard\li900\sb107\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2
\expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 b.Long-term investments\t
ab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,635\tab \up0 \
expndtw-1\charscalex100 25,371\tab \up0 \expndtw-1\charscalex100 21,057\tab \up0
\expndtw-1\charscalex100 20,679\tab \up0 \expndtw-1\charscalex100 12,274\par\pa
rd\li900\sb106\sl-161\slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \e
xpndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 c.Other non-current assets\
tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 37,511\tab \up0
\expndtw-1\charscalex100 49,236\tab \up0 \expndtw-1\charscalex100 75,342\tab \up
0 \expndtw-1\charscalex100 82,672\tab \up0 \expndtw-1\charscalex100 93,108\par\p
ard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf53\f54\fs16 D.Profit & loss account\par\pard\li900\sb88\sl-161\slmult0\fi194
\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosuper
sub\cf51\f52\fs14 1.Gross revenue(loss)\tab \up0 \expndtw-1\charscalex100 \ul0\n

osupersub\cf56\f57\fs12 30,263\tab \up0 \expndtw-1\charscalex100 35,809\tab \up0

\expndtw-1\charscalex100 41,064\tab \up0 \expndtw-1\charscalex100 48,178\tab \u
p0 \expndtw-1\charscalex100 53,703\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7
053\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\
cf51\f52\fs14 2.Operating expenses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 8,641\tab \up0 \expndtw-1\charscalex100 10,065\tab \up0 \expn
dtw-1\charscalex100 11,123\tab \up0 \expndtw-1\charscalex100 12,864\tab \up0 \ex
pndtw-1\charscalex100 15,048\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx
8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 3.Operating profit\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf5
6\f57\fs12 21,622\tab \up0 \expndtw-1\charscalex100 25,744\tab \up0 \expndtw-1\c
harscalex100 29,941\tab \up0 \expndtw-1\charscalex100 35,314\tab \up0 \expndtw-1
\charscalex100 38,655\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx
9303\tx10518\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14
4.Modaraba co's management fees\tab \up0 \expndtw-1\charscalex100 \ul0\nosupe
rsub\cf56\f57\fs12 1,069\tab \up0 \expndtw-1\charscalex100 1,095\tab \up0 \expnd
tw-1\charscalex100 766\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\c
harscalex100 979\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7053\tx8133\tx9213\
tx10293\tx11373 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 5.Pr
ofit/(loss) before taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 9,623\tab \up0 \expndtw-1\charscalex100 9,854\tab \up0 \expndtw-1\ch
arscalex100 6,893\tab \up0 \expndtw-1\charscalex100 7,320\tab \up0 \expndtw-1\ch
arscalex100 8,812\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7053\tx8133\tx9213
\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.P
rofit/(loss) after taxation\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf
56\f57\fs12 9,623\tab \up0 \expndtw-1\charscalex100 9,854\tab \up0 \expndtw-1\ch
arscalex100 6,893\tab \up0 \expndtw-1\charscalex100 7,320\tab \up0 \expndtw-1\ch
arscalex100 8,812\par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 E.Other items\par\pard\li900\sb88\sl-161\
slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 1.No. of certificates\tab \up0 \expndtw-1\charsca
lex100 \ul0\nosupersub\cf56\f57\fs12 11,340\tab \up0 \expndtw-1\charscalex100 11
,340\tab \up0 \expndtw-1\charscalex100 11,340\tab \up0 \expndtw-1\charscalex100
11,340\tab \up0 \expndtw-1\charscalex100 11,340\par\pard\li900\sb106\sl-161\slmu
lt0\fi194\tx7008\tx8088\tx9168\tx10248\tx11328 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 2.Cash dividend\tab \up0 \expndtw-1\charscalex100 \ul
0\nosupersub\cf56\f57\fs12 6.00%\tab \up0 \expndtw-1\charscalex100 6.00%\tab \up
0 \expndtw-1\charscalex100 4.50%\tab \up0 \expndtw-1\charscalex100 5.00%\tab \up
0 \expndtw-1\charscalex100 5.50%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx700
8\tx8088\tx9168\tx10248\tx11328 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 3.Stock dividend/bonus shares\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 0.00%\tab \up0
\expndtw-1\charscalex100 0.00%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978
\tx8133\tx9213\tx10244\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
1\f52\fs14 4.Cash generated from operating activities\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 23,176\tab \up0 \expndtw-1\charscalex100 5
,755\tab \up0 \expndtw-1\charscalex100 1,332\tab \up0 \expndtw-1\charscalex100 (
6,079)\tab \up0 \expndtw-1\charscalex100 9,187\par\pard\li900\sb102\sl-184\slmul
t0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 F.Efficiency
ratios/profitability ratios\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7038\tx8
118\tx9198\tx10278\tx11358 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f5
2\fs14 1.Return on equity (ROE) (D6/A)\tab \up0 \expndtw-1\charscalex100 \ul0\no
supersub\cf56\f57\fs12 0.08%\tab \up0 \expndtw-1\charscalex100 8.34%\tab \up0 \e
xpndtw-1\charscalex100 6.12%\tab \up0 \expndtw-1\charscalex100 6.22%\tab \up0 \e
xpndtw-1\charscalex100 7.10%\par\pard\li900\sb107\sl-161\slmult0\fi194\tx7038\tx
8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f
52\fs14 2.Return on capital employed (ROCE) (D5/(C-B1))\tab \up0 \expndtw-1\char
scalex100 \ul0\nosupersub\cf56\f57\fs12 0.07%\tab \up0 \expndtw-1\charscalex100
7.52%\tab \up0 \expndtw-1\charscalex100 5.27%\tab \up0 \expndtw-1\charscalex100

5.23%\tab \up0 \expndtw-1\charscalex100 5.55%\par\pard\li900\sb107\sl-161\slmult

0\fi194\tx7038\tx8118\tx9198\tx10278\tx11358 \dn2 \expndtw-2\charscalex100 \ul0\
nosupersub\cf51\f52\fs14 3.Return on assets (ROA) (D6/C)\tab \up0 \expndtw-1\cha
rscalex100 \ul0\nosupersub\cf56\f57\fs12 0.07%\tab \up0 \expndtw-1\charscalex100
6.86%\tab \up0 \expndtw-1\charscalex100 4.75%\tab \up0 \expndtw-1\charscalex100
4.72%\tab \up0 \expndtw-1\charscalex100 5.24%\par\pard\li900\sb106\sl-161\slmul
t0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 4.Return on revenue (D6/D1)\tab \up0 \expndtw-1\charsc
alex100 \ul0\nosupersub\cf56\f57\fs12 0.32%\tab \up0 \expndtw-1\charscalex100 27
.52%\tab \up0 \expndtw-1\charscalex100 16.79%\tab \up0 \expndtw-1\charscalex100
15.19%\tab \up0 \expndtw-1\charscalex100 16.41%\par\pard\li900\sb107\sl-161\slmu
lt0\fi194\tx7038\tx7983\tx9063\tx10143\tx11223 \dn2 \expndtw-2\charscalex100 \ul
0\nosupersub\cf51\f52\fs14 5.Operating expenses to net income (D2/D6)\tab \up0 \
expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.90%\tab \up0 \expndtw-1\
charscalex100 102.14%\tab \up0 \expndtw-1\charscalex100 161.37%\tab \up0 \expndt
w-1\charscalex100 175.74%\tab \up0 \expndtw-1\charscalex100 170.77%\par\pard\li9
00\sb107\sl-161\slmult0\fi194\tx7038\tx8058\tx9198\tx10278\tx11358 \up0 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 6.Management expenses (D4/D2)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.12%\tab \up0 \exp
ndtw-1\charscalex100 10.88%\tab \up0 \expndtw-1\charscalex100 6.89%\tab \up0 \ex
pndtw-1\charscalex100 0.00%\tab \up0 \expndtw-1\charscalex100 6.51%\par\pard\li9
00\sb106\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw
-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 7.Earning Per Certificate (D6/E1)
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.85\tab \up0 \
expndtw-1\charscalex100 0.87\tab \up0 \expndtw-1\charscalex100 0.61\tab \up0 \ex
pndtw-1\charscalex100 0.65\tab \up0 \expndtw-1\charscalex100 0.78\par\pard\li900
\sb104\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f5
4\fs16 G.Liquidity Ratios\par\pard\li900\sb87\sl-161\slmult0\fi194\tx7083\tx8223
\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\f
s14 1.Current asssets to current liabilities (C1/B1) (times)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 11.88\tab \up0 \expndtw-1\charscale
x100 5.30\tab \up0 \expndtw-1\charscalex100 3.30\tab \up0 \expndtw-1\charscalex1
00 3.29\tab \up0 \expndtw-1\charscalex100 6.39\par\pard\li900\sb107\sl-161\slmul
t0\fi194\tx7143\tx8223\tx9303\tx10383\tx11463 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 2.Total liabilities to total assets (B/C) (times)\tab
\up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.13\tab \up0 \expnd
tw-1\charscalex100 0.18\tab \up0 \expndtw-1\charscalex100 0.22\tab \up0 \expndtw
-1\charscalex100 0.24\tab \up0 \expndtw-1\charscalex100 0.26\par\pard\li900\sb10
6\sl-161\slmult0\fi194\tx7038\tx8058\tx9138\tx10218\tx11358 \up0 \expndtw-2\char
scalex100 \ul0\nosupersub\cf51\f52\fs14 3.Long term investment to total assets (
C2b/C)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0.15%\tab
\up0 \expndtw-1\charscalex100 17.65%\tab \up0 \expndtw-1\charscalex100 14.51%\t
ab \up0 \expndtw-1\charscalex100 13.34%\tab \up0 \expndtw-1\charscalex100 7.30%\
par\pard\li900\sb103\sl-184\slmult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 H.Capital /leverage ratios\par\pard\li900\sb88\sl-161\slmul
t0\fi194\tx7038\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0
\nosupersub\cf51\f52\fs14 1.Capital ratio (A/C)\tab \up0 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf56\f57\fs12 0.87%\tab \up0 \expndtw-1\charscalex100 82.22%\t
ab \up0 \expndtw-1\charscalex100 77.56%\tab \up0 \expndtw-1\charscalex100 75.91%
\tab \up0 \expndtw-1\charscalex100 73.77%\par\pard\li900\sb107\sl-161\slmult0\fi
194\tx7083\tx8163\tx9303\tx10323\tx11403 \up0 \expndtw-2\charscalex100 \ul0\nosu
persub\cf51\f52\fs14 2.Break up value per certificate (A/E1)\tab \up0 \expndtw-1
\charscalex100 \ul0\nosupersub\cf56\f57\fs12 10.93\tab \up0 \expndtw-1\charscale
x100 10.42\tab \up0 \expndtw-1\charscalex100 9.93\tab \up0 \expndtw-1\charscalex
100 10.38\tab \up0 \expndtw-1\charscalex100 10.94\par\pard\li900\sb102\sl-184\sl
mult0\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 I.Cash fl
ow ratio\par\pard\li900\sb88\sl-161\slmult0\fi194\tx7143\tx8223\tx9303\tx10320\t
x11463 \dn2 \expndtw-1\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Cash genera
ted from operating activities to profit after tax. (E4/D6) (times)\tab \up0 \exp
ndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 2.41\tab \up0 \expndtw-1\char

scalex100 0.58\tab \up0 \expndtw-1\charscalex100 0.19\tab \up0 \expndtw-1\charsc

alex100 -0.83\tab \up0 \expndtw-1\charscalex100 1.04\par\pard\li900\sb107\sl-161
\slmult0\fi194\tx7143\tx8223\tx9303\tx10320\tx11463 \dn2 \expndtw-1\charscalex10
0 \ul0\nosupersub\cf51\f52\fs14 2.Cash generated from operating activities to cu
rrent liabilities (E4/B1) (times)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 3.32\tab \up0 \expndtw-1\charscalex100 0.45\tab \up0 \expndtw1\charscalex100 0.09\tab \up0 \expndtw-1\charscalex100 -0.40\tab \up0 \expndtw-1
\charscalex100 0.98\par\pard\ql \li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\s
b0\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0
\sl-161\slmult0 \par\pard\ql\li6037\sb0\sl-161\slmult0 \par\pard\ql\li6037\sb0\s
l-161\slmult0 \par\pard\ql\li6037\sb131\sl-161\slmult0 \up0 \expndtw-2\charscale
x100 \ul0\nosupersub\cf51\f52\fs14 133
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l-184\slmult0\fi0\tx10620 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf52\f53
\fs16 Financial Statement Analysis of Financial Sector\tab \up0 \expndtw-2\chars
calex100 \ul0\nosupersub\cf53\f54\fs16 2011\par\pard\li900\sb0\sl-276\slmult0\pa
r\pard\li900\sb79\sl-276\slmult0\fi0\tx10170 \up0 \expndtw-3\charscalex100 \ul0\
nosupersub\cf57\f58\fs24 Equity Modaraba\tab \up0 \expndtw-2\charscalex100 \ul0\
nosupersub\cf53\f54\fs16 (Thousand Rupees)\par\pard\li900\sb1\sl-197\slmult0\fi9
0\tx6990\tx8070\tx9150\tx10230\tx11310 \dn3 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf55\f56\fs18 Items\tab \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf54\
f55\fs16 2007\tab \up0 \expndtw-2\charscalex100 2008\tab \up0 \expndtw-2\charsca
lex100 2009\tab \up0 \expndtw-2\charscalex100 2010\tab \up0 \expndtw-2\charscale
x100 2011\par\pard\li900\sb68\sl-184\slmult0\fi44\tx6918\tx7998\tx9078\tx10158\t

x11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 A.Total equit

y (A1 to A3)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 582
,748\tab \up0 \expndtw-1\charscalex100 574,163\tab \up0 \expndtw-1\charscalex100
544,464\tab \up0 \expndtw-1\charscalex100 547,821\tab \up0 \expndtw-1\charscale
x100 562,818\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6918\tx7998\tx9078\tx101
58\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Certifi
cate capital\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 524
,400\tab \up0 \expndtw-1\charscalex100 524,400\tab \up0 \expndtw-1\charscalex100
524,400\tab \up0 \expndtw-1\charscalex100 524,400\tab \up0 \expndtw-1\charscale
x100 524,400\par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10
218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Reserv
es\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 66,096\tab \u
p0 \expndtw-1\charscalex100 75,543\tab \up0 \expndtw-1\charscalex100 75,689\tab
\up0 \expndtw-1\charscalex100 74,975\tab \up0 \expndtw-1\charscalex100 75,156\pa
r\pard\li900\sb107\sl-161\slmult0\fi194\tx7004\tx8010\tx9090\tx10170\tx11250 \up
0 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Unappropriated profit
\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 (7,748)\tab \up
0 \expndtw-1\charscalex100 (25,780)\tab \up0 \expndtw-1\charscalex100 (55,625)\t
ab \up0 \expndtw-1\charscalex100 (51,554)\tab \up0 \expndtw-1\charscalex100 (36,
738)\par\pard\li900\sb106\sl-161\slmult0\fi194\tx7278\tx8358\tx9438\tx10518\tx11
598 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 4.Others\tab \up
0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 0\tab \up0 \expndtw-1\c
harscalex100 0\tab \up0 \expndtw-1\charscalex100 0\tab \up0 \expndtw-1\charscale
x100 0\tab \up0 \expndtw-1\charscalex100 0\par\pard\li900\sb103\sl-184\slmult0\f
i44\tx6978\tx8058\tx9138\tx10218\tx11298 \dn3 \expndtw-2\charscalex100 \ul0\nosu
persub\cf53\f54\fs16 B.Total liabilities (B1 + B2)\tab \up0 \expndtw-1\charscale
x100 \ul0\nosupersub\cf56\f57\fs12 58,671\tab \up0 \expndtw-1\charscalex100 64,9
51\tab \up0 \expndtw-1\charscalex100 46,040\tab \up0 \expndtw-1\charscalex100 39
,126\tab \up0 \expndtw-1\charscalex100 50,839\par\pard\li900\sb88\sl-161\slmult0
\fi194\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\n
osupersub\cf51\f52\fs14 1.Current liablities\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 57,732\tab \up0 \expndtw-1\charscalex100 63,842\tab
\up0 \expndtw-1\charscalex100 45,035\tab \up0 \expndtw-1\charscalex100 37,729\t
ab \up0 \expndtw-1\charscalex100 49,232\par\pard\li900\sb106\sl-161\slmult0\fi19
4\tx7143\tx8133\tx9213\tx10293\tx11373 \dn2 \expndtw-2\charscalex100 \ul0\nosupe
rsub\cf51\f52\fs14 2.Non-current liabilities\tab \up0 \expndtw-1\charscalex100 \
ul0\nosupersub\cf56\f57\fs12 939\tab \up0 \expndtw-1\charscalex100 1,109\tab \up
0 \expndtw-1\charscalex100 1,005\tab \up0 \expndtw-1\charscalex100 1,397\tab \up
0 \expndtw-1\charscalex100 1,607\par\pard\li900\sb103\sl-184\slmult0\fi44\tx6918
\tx7998\tx9078\tx10158\tx11238 \dn3 \expndtw-2\charscalex100 \ul0\nosupersub\cf5
3\f54\fs16 C.Total assets (C1+C2)\tab \up0 \expndtw-1\charscalex100 \ul0\nosuper
sub\cf56\f57\fs12 641,419\tab \up0 \expndtw-1\charscalex100 639,114\tab \up0 \ex
pndtw-1\charscalex100 590,504\tab \up0 \expndtw-1\charscalex100 586,947\tab \up0
\expndtw-1\charscalex100 613,657\par\pard\li900\sb88\sl-161\slmult0\fi194\tx691
8\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf
51\f52\fs14 1.Current assets (a + b)\tab \up0 \expndtw-1\charscalex100 \ul0\nosu
persub\cf56\f57\fs12 287,273\tab \up0 \expndtw-1\charscalex100 248,798\tab \up0
\expndtw-1\charscalex100 232,708\tab \up0 \expndtw-1\charscalex100 232,002\tab \
up0 \expndtw-1\charscalex100 257,776\par\pard\li900\sb106\sl-161\slmult0\fi350\t
x6918\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersu
b\cf51\f52\fs14 a.Cash and banks balances\tab \up0 \expndtw-1\charscalex100 \ul0
\nosupersub\cf56\f57\fs12 116,157\tab \up0 \expndtw-1\charscalex100 52,857\tab \
up0 \expndtw-1\charscalex100 10,757\tab \up0 \expndtw-1\charscalex100 20,183\tab
\up0 \expndtw-1\charscalex100 57,258\par\pard\li900\sb108\sl-161\slmult0\fi350\
tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupers
ub\cf51\f52\fs14 b.Other current assets\tab \up0 \expndtw-1\charscalex100 \ul0\n
osupersub\cf56\f57\fs12 171,116\tab \up0 \expndtw-1\charscalex100 195,941\tab \u
p0 \expndtw-1\charscalex100 221,951\tab \up0 \expndtw-1\charscalex100 211,819\ta
b \up0 \expndtw-1\charscalex100 200,518\par\pard\li900\sb106\sl-161\slmult0\fi19
4\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosupe

rsub\cf51\f52\fs14 2.Non-current assets (a + b + c)\tab \up0 \expndtw-1\charscal

ex100 \ul0\nosupersub\cf56\f57\fs12 354,146\tab \up0 \expndtw-1\charscalex100 39
0,316\tab \up0 \expndtw-1\charscalex100 357,796\tab \up0 \expndtw-1\charscalex10
0 354,945\tab \up0 \expndtw-1\charscalex100 355,881\par\pard\li900\sb107\sl-161\
slmult0\fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \up0 \expndtw-2\charscalex100
\ul0\nosupersub\cf51\f52\fs14 a.Fixed assets\tab \up0 \expndtw-1\charscalex100
\ul0\nosupersub\cf56\f57\fs12 12,460\tab \up0 \expndtw-1\charscalex100 16,964\ta
b \up0 \expndtw-1\charscalex100 15,189\tab \up0 \expndtw-1\charscalex100 19,051\
tab \up0 \expndtw-1\charscalex100 18,580\par\pard\li900\sb107\sl-161\slmult0\fi3
50\tx6918\tx7998\tx9078\tx10158\tx11238 \dn2 \expndtw-2\charscalex100 \ul0\nosup
ersub\cf51\f52\fs14 b.Long-term investments\tab \up0 \expndtw-1\charscalex100 \u
l0\nosupersub\cf56\f57\fs12 297,036\tab \up0 \expndtw-1\charscalex100 309,231\ta
b \up0 \expndtw-1\charscalex100 278,917\tab \up0 \expndtw-1\charscalex100 278,13
3\tab \up0 \expndtw-1\charscalex100 280,390\par\pard\li900\sb106\sl-161\slmult0\
fi350\tx6978\tx8058\tx9138\tx10218\tx11298 \dn2 \expndtw-2\charscalex100 \ul0\no
supersub\cf51\f52\fs14 c.Other non-current assets\tab \up0 \expndtw-1\charscalex
100 \ul0\nosupersub\cf56\f57\fs12 44,650\tab \up0 \expndtw-1\charscalex100 64,12
1\tab \up0 \expndtw-1\charscalex100 63,690\tab \up0 \expndtw-1\charscalex100 57,
761\tab \up0 \expndtw-1\charscalex100 56,911\par\pard\li900\sb103\sl-184\slmult0
\fi44 \up0 \expndtw-2\charscalex100 \ul0\nosupersub\cf53\f54\fs16 D.Profit & los
s account\par\pard\li900\sb88\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\
tx11298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 1.Gross reve
nue(loss)\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 39,582
\tab \up0 \expndtw-1\charscalex100 26,155\tab \up0 \expndtw-1\charscalex100 22,8
01\tab \up0 \expndtw-1\charscalex100 25,877\tab \up0 \expndtw-1\charscalex100 17
,888\par\pard\li900\sb106\sl-161\slmult0\fi194\tx6978\tx8058\tx9138\tx10218\tx11
298 \dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 2.Operating expe
nses\tab \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 20,399\tab
\up0 \expndtw-1\charscalex100 20,966\tab \up0 \expndtw-1\charscalex100 20,946\ta
b \up0 \expndtw-1\charscalex100 23,136\tab \up0 \expndtw-1\charscalex100 16,568\
par\pard\li900\sb107\sl-161\slmult0\fi194\tx6978\tx8133\tx9213\tx10293\tx11373 \
dn2 \expndtw-2\charscalex100 \ul0\nosupersub\cf51\f52\fs14 3.Operating profit\ta
b \up0 \expndtw-1\charscalex100 \ul0\nosupersub\cf56\f57\fs12 19,183\tab \up0 \e
xpndtw-1\charscalex100 5,189\tab \up0 \expndtw-1\charscalex100 1,855\tab \up0 \e
xpndtw-1\charscalex100 2,741