P

ASSETS
2006
Cash and balances with treasury banks78,625,227
Balances with other banks
40,641,679
Lendings to financial institutions
23,012,732
Investments
139,946,995
Advances
316,110,406
Other assets
27,113,698
Operating fixed assets
9,681,974
Deferred tax assets
_
635,132,711
LIABILITIES
Bills payable
10,605,663
Borrowings from financial institutions11,704,079
Deposits and other accounts
501,872,243
Sub-ordinated loans
_
Liabilities against assets subject to finance13,235
lease
Other liabilities
26,596,300
Deferred tax liabilities net
2,387,073
553,178,593
NET ASSETS
81,954,118
REPRESENTED BY
Share capital
Reserves
Unappropriated Profit
Surplus
7,090,712
13,879,260
32,074,677
53,044,649
28,909,469
81,954,118
ASSETS
Cash and balances with treasury banks
2006
100

100
100
Investments
100
Advances
100
Other assets
100
100
total assets
100
Bills payable
100
Borrowings from financial institutions
100
100
Sub-ordinated loans
Liabilities against assets subject to finance lease
100
Other liabilities
100
100
Share capital
100
Reserves
100
100
Surplus On Reval. of assets
100
total liabilites
100
ASSETS
Cash
Lendings to fin. institutions
Investments
Advances
Other assets
Total
LIABILITIES
Share Capital
Reserves
Unappropriated profit
Surplus On Reval. of assets
Bills payable
Borrowings
Vertical Analysis (%)

2006
12.19
6.3
3.57
21.69
49
1.5
5.75
100
2006
8.652050895
16.93540281
39.13735854
35.27518776
12.94097632
14.28125796

Liabilities against assets
subject to finance lease
Other liabilities
Total
612.3819708
0.01614928
2.912694393
32.45267065
100
2007
2008
2009
2010
94,873,249
37,472,832
21,464,600
210,787,868
340,677,100
30,994,965
25,922,979
_
762,193,593
106,503,756
38,344,608
17,128,032
170,822,491
412,986,865
44,550,347
24,217,655
3,204,572
817,758,326
115,827,868
115,442,360
28,405,564
30,389,664
19,587,176
23,025,156
217,642,822
301,323,804
475,243,431
477,506,564
25,147,192
26,888,226
3,062,271
6,952,666
59,666,438
53,496,240
944,582,762 1,035,024,680
7,061,902
10,219,061 10,621,169
10,886,063
40,458,926 45,278,138
591,907,435 624,939,016 727,464,825
_
_
33,554
25,274
42,629
30,869,154
39,656,831 42,269,623
5,097,831
_
645,855,939 715,299,108 825,676,384
116,337,654 102,459,218 118,906,378
8,154,319
8,969,751 10,763,702
15,772,124
19,941,047 22,681,707
45,344,188
52,456,204 60,696,510
69,270,631
81,367,002 94,141,919
47,067,023
21,092,216 24,764,459
116,337,654 102,459,218 118,906,378
8,006,631
20,103,591
832,151,888
106,704
46,160,038
906,528,852
128,495,828
13,454,628
24,450,244
65,857,438
103,762,310
24,733,518
128,495,828
2007
2008
2009
2010
121
135
147
147
92
93
151
108
114
268
142
67
93
118
0
0
0
0
0
0
125
96
346
125
254
116
214
115
114
141
163
142
191
149
145
100
387
145
157
75
172
166
127
144
164
73
125
322
159
0
152
163
189
86
145
806
174
0
190
176
205
86
157
2007
2008
2009
2010
12.45
4.92
2.82
27.66
44.7
3.4
4.07
100
13.02
4.69
2.09
20.88
50.5
2.96
5.45
100
12.26233133
11.15358525
3.007207536
2.936129407
2.073632591
2.224599707
23.04115963
29.11271681
50.31252423
46.1347998
2.662253961
2.597834285
0.32419298
0.671739151
100
100
2007
2008
2009
2010
7.009182943
13.55719619
38.97636444
40.45725643
6.070177417
9.357299744
8.75445975
19.46242358
51.19715436
20.58596231
9.973783911
39.48783408
9.05224949
19.0752652
51.0456302
20.8268551
8.93237956
38.0788136
10.47086758
19.02804502
51.25258853
19.24849887
6.231043548
15.64532585
rtical Analysis (%)
508.7840563
0.028841909
4.381926938
26.53410391
100
609.9392795
0.024667375
611.796303 647.6100438
0.03585089 0.083040828
38.7049909
100
0
0
35.5486591 35.92337488
100
100
Markup/return/interest earned
Markup/return/interest expensed
Net markup/interest income
Provisions against non-performing advances
provision for/(reversal of) diminution in the value
of investments
provision against off balance sheet obligations
bad debts written off directly
Net markup/interest income after provisions
NON MARKUP/ INTEREST INCOME
Fee, Commission & brokerage income
Dividend income
Income form dealing in foreign currencies
Gain on sale & redemption of securities-net
Investments classified as held for trading
Other income
Total non-markup/ Interest income
Total income ( Interest + non-Interest)
NON MARKUP/ INTERSET EXPENSES
Administration expenses
Total non markup/ Interest expenses
PROFIT BEFORE TAXATION
Taxation Current
Prior years
Deferred
PROFIT AFTER TAXATION
Unappropriated Profit brought forward
Transfer from surplus on revaluation of fixed
assets on account of incremental depreciation
Profit available for appropriation
of investments
Dividend income
Other income
Other provisions written off
Other charges
Taxation Current
Prior years
Deferred
Gross
Profit
Margin Ratio
Formula = Gross
Profit / Interest
earned (Revenue)
Year
Net Profit Margin Ratio
Formula = Net
Profit after Taxes
/ Interest earned
Year
Assets Turnover
Formula
Revenue/
Assets
=
Total
Year
Return on Investment
Formula = Net
income after taxes
/ Total Assets
Year
a) Liquidity Ratios
Current Ratio
Formula = Current
Assets / Current
Liabilities
Year
Cash Ratio
Formula = Cash /
Current Liabilities
Year
Advances to Deposit Ratio

Formula
=
Advances / Total
Deposits
Year
Ratio %
The Debt to Equity Ratio

Formula = Total
Liabilities/ Total
Shareholders
equity
Year
Ratio
Interest Coverage Ratio

Formula
=
Earnings before
interest & Taxes /
Interest expense
Year
Ratio
Loan Loss Coverage Ratio
Formula = Provision against non-performance loans

Year
Ratio
Fixed Assets Turnover
Formula
Revenue/
Operating
Assets
=
Fixed
Year
Ratio %
Income Statement
Rupees
Millions
in
2006
2007
44,100,934 50,569,481
13,947,218 16,940,011
30,153,716 33,629,470
3,075,723 4,723,084
2008
60,942,798
23,884,768
37,058,030
10,593,565
2009
2010
77,947,697
40,489,649
37,458,048
11,043,469
88,472,134
45,250,476
43,221,658
7,011,046
373,249
4,000
605,629
20,237
2,954,678
3,965
5,284
39,899 Nil
27,782,170 28,906,735
26,087,216
25,788,713
33,251,969
6,144,628 6,781,683
2,891,755 3,263,246
1,333,840 1,042,827
1,169,515 2,341,690
-4,464
-31,964
627,618
147,363
12,162,892 13,544,845
39,945,062 42,451,580
7,925,370
2,878,932
3,969,057
395,427
1,707
1,245,369
16,415,862
42,503,078
8,930,391
1,920,336
3,028,165
4,591,894
2,355
552,216
19,025,357
44,814,070
9,631,579
1,099,493
2,211,139
2,512,363
6,730
2,171,336
17,632,640
50,884,609
14,205,911
18,171,198
14,391,079
19,502,080
28,060,501
23,000,998
8,311,500
11,762,650
391,497 Nil
323,731
-4,220,242
9,026,728
7,542,408
19,033,773
15,458,590
32,074,677
45,344,188
22,571,470
23,513,897
21,300,173
8,871,513
-4,133,282
-999,904
3,738,327
17,561,846
52,456,204
26,202,577
26,469,490
24,415,119
9,835,048
-939,256
-2,043,887
6,851,905
17,563,214
60,696,510
123,934
70,141,984
117,738
78,377,462
-709,461
Nil
-40,248
Nil
13,443,441
13,634,485
26,310,577
8,695,598
530,652
61,981
9,288,231
17,022,346
19,372,523
41,060
39,007
36,435,929 51,147,457
130,456
60,933,234
Markup/return/interest ea
Markup/return/interest ex
Net markup/interest inco
Provisions against non-per
provision for/(reversal of)
of investments
provision against off balan
bad debts written off direc
Net markup/interest inco
NON MARKUP/ INTEREST
Fee, Commission & broker
Dividend income
Income form dealing in fo
Gain on sale & redemption
Investments classified as h
Other income
Total non-markup/ Intere
Total income ( Interest + n
NON MARKUP/ INTERSET
Total non markup/ Intere
Taxation

Unappropriated Profit bro
Transfer from surplus on r
assets on account of incre
Profit available for approp
2005
100
100
100
100
100
2006
131
135
129
126
289
2007
150
164
144
193
16
2008
181
231
159
433
-152
2009
231
392
160
451
-246
2010
263
438
185
287
-1,202
100
100
#REF!
#REF!
#REF!
#REF!
#REF!
100
131
137
123
122
157
100
100
100
100
100
100
100
100
125
168
111
86
226
353
129
131
138
190
86
171
1,615
83
144
139
161
168
329
29
-86
700
175
139
181
112
251
336
-119
311
203
147
196
64
183
184
-340
1,221
188
167
100
100
100
100
100
100
100
100
120
#REF!
#REF!
119
138
122
-48
213
127
#REF!
#REF!
125
147
116
-36
1,111
162
#REF!
#REF!
170
121
164
nil
-14,488
201
#REF!
#REF!
205
112
124
376
-3,433
233
#REF!
#REF!
231
128
137
85
-7,017
100
100
134
211
150
350
122
495
138
573
138
662
100
100
95
166
90
233
302
278
287
320
272
358
2006
2007
59.65990879 55.4890033
2008
37.74194614
2009
27.32623775
2010
27.5963944
2006
2007
38.59860655 37.6388538
2008
25.36573723
2009
22.5302949
2010
19.8516903
2006
2007
0.069435778 0.06634729
2008
0.074524216
2009
0.08252077
2010
0.08547828
2006
2007
0.026801243 0.02497236
2008
0.018903617
2009
0.018592173
2010
0.01696888
dity Ratios
2006
1.141439327
2007
1.1564001
2008
1.103817475
2009
1.093565825
2010
1.10148989
2006
2007
2008
2009
2010
0.149992262 0.12364696
0.130238669
0.122623313
0.11153585
2007
2008
2009
2010
57.5558068
66.08434654
eposit Ratio
2006
62.9862301
65.3287162 57.38214031
a) Debt Ratios
2006
2007
2008
6.749857194 5.55156406
6.981305557
2006
2007
2008
2.037639852 2.00865654
1.337663265
2009
2010
6.943920065 7.054928289
2009
2010
1.09674347 1.256237615
erage Ratio
on against non-performance loans & advances/ Profit or loss before taxation

2006
2007
2008
0.116900629 0.16831788
0.460569798
2009
2010
0.518468512 0.287160018
a) Operating Performance Ratios
2006
2007
2008
175.8148287 73.4243275
63.8319028
2009
2010
of investments
Dividend income
Other income
Current
Prior years
Deferred
2006
44,100,934
13,947,218
30,153,716
3,075,723
-709,461
Nil
2007
50,569,481
16,940,011
33,629,470
4,723,084
2008
60,942,798
23,884,768
37,058,030
10,593,565
-40,248
373,249
4,000
Nil
5,284
27,782,170
39,899 Nil
28,906,735
26,087,216
6,144,628
2,891,755
1,333,840
1,169,515
-4,464
627,618
12,162,892
39,945,062
6,781,683
3,263,246
1,042,827
2,341,690
-31,964
147,363
13,544,845
42,451,580
7,925,370
2,878,932
3,969,057
395,427
1,707
1,245,369
16,415,862
42,503,078
13,443,441
13,634,485
26,310,577
8,695,598
530,652
61,981
9,288,231
17,022,346
19,372,523
14,205,911
14,391,079
28,060,501
8,311,500
391,497 Nil
323,731
9,026,728
19,033,773
32,074,677
18,171,198
19,502,080
23,000,998
11,762,650
41,060
36,435,929
39,007
51,147,457
130,456
60,933,234
-4,220,242
7,542,408
15,458,590
45,344,188
ASSETS
2006
78,625,227
40,641,679
Lendings to financial institutions23,012,732
Investments
139,946,995
Advances
316,110,406
2007
2008
2009
94,873,249
37,472,832
21,464,600
210,787,868
340,677,100
106,503,756
38,344,608
17,128,032
170,822,491
412,986,865
115,827,868
28,405,564
19,587,176
217,642,822
475,243,431
Other assets
Deferred tax assets
27,113,698
9,681,974
_
30,994,965
25,922,979
_
44,550,347
24,217,655
3,204,572
25,147,192
635,132,711
762,193,593
817,758,326
944,582,762
7,061,902
10,886,063
591,907,435
_
33,554
30,869,154
10,219,061
40,458,926
624,939,016
_
25,274
39,656,831
10,621,169
2,387,073
553,178,593
81,954,118
5,097,831
645,855,939
116,337,654
7,090,712
13,879,260
8,154,319
15,772,124
8,969,751
19,941,047
10,763,702
32,074,677
53,044,649
28,909,469
81,954,118
45,344,188
69,270,631
47,067,023
116,337,654
52,456,204
81,367,002
21,092,216
102,459,218
60,696,510
LIABILITIES
Bills payable
10,605,663
11,704,079
501,872,243
Sub-ordinated loans
_
Liabilities against assets subject to finance
13,235
lease
Other liabilities
26,596,300

NET ASSETS
REPRESENTED BY
Share capital
Reserves
Surplus
715,299,108
102,459,218
3,062,271
59,666,438
45,278,138
727,464,825
42,629
42,269,623
825,676,384
118,906,378
22,681,707
94,141,919
24,764,459
118,906,378
2009
2010
77,947,697
40,489,649
37,458,048
11,043,469
88,472,134
45,250,476
43,221,658
7,011,046
605,629
20,237
2,954,678
3,965
25,788,713
33,251,969
8,930,391
1,920,336
3,028,165
4,591,894
2,355
552,216
19,025,357
44,814,070
9,631,579
1,099,493
2,211,139
2,512,363
6,730
2,171,336
17,632,640
50,884,609
22,571,470
23,513,897
21,300,173
8,871,513
-4,133,282
-999,904
3,738,327
17,561,846
52,456,204
26,202,577
26,469,490
24,415,119
9,835,048
-939,256
-2,043,887
6,851,905
17,563,214
60,696,510
123,934
70,141,984
117,738
78,377,462
of investments
Dividend income
Other income
Taxation Current
Prior years
Deferred
2010
115,442,360
30,389,664
23,025,156
301,323,804
477,506,564
26,888,226
6,952,666
53,496,240
1,035,024,680
8,006,631
20,103,591
832,151,888
106,704
46,160,038
906,528,852
128,495,828
13,454,628
24,450,244
65,857,438
103,762,310
24,733,518
128,495,828
2006
110
35
75
8
-2
2007
119
40
79
11
2008
143
56
87
25
2009
174
90
84
25
2010
174
89
43,221,658
14
0
70
0
68
1
4,000
0
61
15
7
3
3
0
2
30
100
16
8
2
6
0
0
32
100
19
7
9
1
0
3
39
100
20
4
7
10
0
1
42
100
19
2
4
5
0
4
35
100
34
34
66
22
1
0
23
43
48
33
34
66
20
1
1
21
45
76
43
46
54
28
0
-10
18
36
107
50
52
48
20
-9
-2
8
39
117
51
52
48
19
-2
-4
13
35
119
0
91
0
120
0
143
0
157
0
154
Nil
Nil
20,237
3,965
0
58
0
65
Formula = Gross
Profit / Interest
earned (Revenue)
2007
56.55
2008
2009
ASSETS
2006
78,625,227
40,641,679
Lendings to financial institutions 23,012,732
Investments
139,946,995
Advances
316,110,406
Other assets
27,113,698
9,681,974
Deferred tax assets
_
635,132,711
2007
Year
Ratio %
2006
57.17
94,873,249
37,472,832
21,464,600
210,787,868
340,677,100
30,994,965
25,922,979
_
762,193,593
LIABILITIES
Bills payable
10,605,663
7,061,902
11,704,079
10,886,063
501,872,243 591,907,435
Sub-ordinated loans
_
_
Liabilities against assets subject to finance
13,235
lease
33,554
Other liabilities
26,596,300
30,869,154
2,387,073
5,097,831
553,178,593 645,855,939
NET ASSETS
81,954,118
116,337,654
REPRESENTED BY
Share capital
Reserves
Surplus
7,090,712
8,154,319
13,879,260
15,772,124
32,074,677
45,344,188
53,044,649
69,270,631
28,909,469
47,067,023
81,954,118
116,337,654
ASSETS
2006
12
6
4
Investments
22
Advances
50
Other assets
4
2
Deferred tax assets
_
100
2007
12
5
3
28
45
5
3
_
100
LIABILITIES
Bills payable
2
1
2
2
91
92
Sub-ordinated loans
Liabilities against assets subject to finance lease
0
0
Other liabilities
5
5
0
1
100
100
NET ASSETS
81,954,118
116,337,654
REPRESENTED BY
Share capital
Reserves
Surplus
7,090,712
8,154,319
13,879,260
15,772,124
32,074,677
45,344,188
53,044,649
69,270,631
28,909,469
47,067,023
81,954,118
116,337,654
of investments
Dividend income
Other income
Other charges
Taxation Current
Prior years
Deferred

of investments
Dividend income
Other income
Other charges
Taxation Current
Prior years
Deferred
2009
55.48
2010
37.74
2008
2009
2010
106,503,756
38,344,608
17,128,032
170,822,491
412,986,865
44,550,347
24,217,655
3,204,572
817,758,326
115,827,868
115,442,360
28,405,564
30,389,664
19,587,176
23,025,156
217,642,822
301,323,804
475,243,431
477,506,564
25,147,192
26,888,226
10,219,061
40,458,926
624,939,016
_
25,274
39,656,831
_
715,299,108
102,459,218
10,621,169
8,006,631
45,278,138
20,103,591
727,464,825
832,151,888
42,629
106,704
42,269,623
46,160,038
825,676,384
906,528,852
118,906,378
128,495,828
10,763,702
13,454,628
22,681,707
24,450,244
60,696,510
65,857,438
94,141,919
103,762,310
24,764,459
24,733,518
118,906,378
128,495,828
8,969,751
19,941,047
52,456,204
81,367,002
21,092,216
102,459,218
3,062,271
6,952,666
59,666,438
53,496,240
944,582,762 1,035,024,680
2008
2009
2010
13
5
2
21
51
5
3
0
100
12
3
2
23
50
3
0
6
100
11
3
2
29
46
3
1
5
100
1
6
87
10,621,169
8,006,631
45,278,138
20,103,591
727,464,825
832,151,888
42,629
106,704
42,269,623
46,160,038
100
102,459,218
825,676,384
906,528,852
118,906,378
128,495,828
8,969,751
19,941,047
52,456,204
81,367,002
21,092,216
102,459,218
10,763,702
13,454,628
22,681,707
24,450,244
0
6
60,696,510
65,857,438
94,141,919
103,762,310
24,764,459
24,733,518
118,906,378
128,495,828
33,692,665
10,321,768
23,370,897
2,446,739
44,100,934
13,947,218
30,153,716
3,075,723
-245,881
-709,461
Nil
Nil
50,569,481 60,942,798 77,947,697 88,472,134

16,940,011 23,884,768 40,489,649 45,250,476
33,629,470 37,058,030 37,458,048 43,221,658
4,723,084 10,593,565 11,043,469 7,011,046
-40,248
Nil
373,249
4,000
605,629
20,237
2,954,678
3,965
23,069
2,223,927
21,146,970
5,284
2,371,546
27,782,170
39,899 Nil
4,722,735 10,970,814 11,669,335 9,969,689
28,906,735 26,087,216 25,788,713 33,251,969
4,926,604
1,718,478
1,205,638
1,365,771
-1,979
177,839
9,392,351
30,539,321
6,144,628
2,891,755
1,333,840
1,169,515
-4,464
627,618
12,162,892
39,945,062
6,781,683
7,925,370 8,930,391 9,631,579
3,263,246
2,878,932 1,920,336 1,099,493
1,042,827
3,969,057 3,028,165 2,211,139
2,341,690
395,427 4,591,894 2,512,363
-31,964
1,707
2,355
6,730
147,363
1,245,369
552,216
2,171,336
13,544,845 16,415,862 19,025,357 17,632,640
42,451,580 42,503,078 44,814,070 50,884,609
11,221,789
198,298
63,206
11,483,293
19,056,028
7,154,002
-1,098,709
291,291
6,346,584
12,709,444
9,161,747
13,443,441
-17,283
208,327
13,634,485
26,310,577
8,695,598
530,652
61,981
9,288,231
17,022,346
19,372,523
14,205,911
168,027
17,141
14,391,079
28,060,501
8,311,500
391,497
323,731
9,026,728
19,033,773
32,074,677
43,221
21,914,412
41,060
36,435,929
39,007
130,456
123,934
117,738
51,147,457 60,933,234 70,141,984 78,377,462
33,692,665
10,321,768
23,370,897
44,100,934
13,947,218
30,153,716
50,569,481 60,942,798 77,947,697 88,472,134

16,940,011 23,884,768 40,489,649 45,250,476
33,629,470 37,058,030 37,458,048 43,221,658
18,171,198
747,521
583,361
19,502,080
23,000,998
11,762,650
Nil
-4,220,242
7,542,408
15,458,590
45,344,188
22,571,470
620,780
321,647
26,202,577
26,202,577
118,887
23,513,897
21,300,173
26,469,490
24,415,119
8,871,513
-4,133,282
-999,904
9,835,048
-939,256
-2,043,887
3,738,327
17,561,846
6,851,905
17,563,214
52,456,204
60,696,510
2,446,739
3,075,723
-245,881
Nil
4,723,084
-709,461
Nil
-40,248
Nil
10,593,565 11,043,469
373,249
4,000
605,629
20,237
7,011,046
2,954,678
3,965
23,069
2,223,927
21,146,970
5,284
2,371,546
27,782,170
39,899 Nil
4,722,735 10,970,814 11,669,335 9,969,689
28,906,735 26,087,216 25,788,713 33,251,969
4,926,604
1,718,478
1,205,638
1,365,771
-1,979
177,839
9,392,351
30,539,321
6,144,628
2,891,755
1,333,840
1,169,515
-4,464
627,618
12,162,892
39,945,062
6,781,683
7,925,370 8,930,391 9,631,579
3,263,246
2,878,932 1,920,336 1,099,493
1,042,827
3,969,057 3,028,165 2,211,139
2,341,690
395,427 4,591,894 2,512,363
-31,964
1,707
2,355
6,730
147,363
1,245,369
552,216
2,171,336
13,544,845 16,415,862 19,025,357 17,632,640
42,451,580 42,503,078 44,814,070 50,884,609
11,221,789
198,298
63,206
11,483,293
19,056,028
7,154,002
-1,098,709
291,291
6,346,584
12,709,444
9,161,747
13,443,441
-17,283
208,327
13,634,485
26,310,577
8,695,598
530,652
61,981
9,288,231
17,022,346
19,372,523
14,205,911
168,027
17,141
14,391,079
28,060,501
8,311,500
391,497
323,731
9,026,728
19,033,773
32,074,677
43,221
21,914,412
41,060
36,435,929
39,007
130,456
123,934
117,738
51,147,457 60,933,234 70,141,984 78,377,462
18,171,198
747,521
583,361
19,502,080
23,000,998
11,762,650
Nil
-4,220,242
7,542,408
15,458,590
45,344,188
22,571,470
620,780
321,647
26,202,577
26,202,577
118,887
23,513,897
21,300,173
26,469,490
24,415,119
8,871,513
-4,133,282
-999,904
9,835,048
-939,256
-2,043,887
3,738,327
17,561,846
6,851,905
17,563,214
52,456,204
60,696,510

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ASSETS

Balances with other banks

Vertical Analysis (%)

Deposits and other accounts

rtical Analysis (%)

Net Profit Margin Ratio

Advances to Deposit Ratio

The Debt to Equity Ratio

Interest Coverage Ratio

Loan Loss Coverage Ratio

Formula = Provision against non-performance loans

Fixed Assets Turnover

PROFIT AFTER TAXATION

on against non-performance loans & advances/ Profit or loss before taxation

a) Operating Performance Ratios

Deferred tax liabilities net

Provisions against non-performing advances

50,569,481 60,942,798 77,947,697 88,472,134

50,569,481 60,942,798 77,947,697 88,472,134

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