Introduction Reasons for selecting this company

Industry Norms SWOT Analysis Income /Balance Statement Future Growth

Reasons for selecting this company Incorporated by Adam Jee group in 1947 Nationalized in 1974 First bank to be privatized in 1991 by NISHATH group Fourth largest bank of Pakistan More than 1000 branches

Mian Muhammad Mansha (Chairman )

Atif Bajwa (President)

INTEGRITY
Respect

Excellence
Customer Centricity

Innovation

Brand image Market Presence One of the biggest branches network Professional employees Customer relationship Domestic banking

New products
Working for long period of time.

Political instability Less job satisfaction Difficulty in opening accounts Administrative expenses Less loyalty from the employees Differentiation among customers

To go global Increase Islamic banking New schemes for deposits Advancing towards farmers Free staff training Opening branches in rural area

Have a strong internal control

Introduction of different products

Increase in banking sector Current economic crunch Political instability Rising deposit rates Customers losing trust Poor law and order situation

Foreign banks
Fall down of economy

BALANCE SHEET AS OF 31.12.2008

PKR 000's
39,631,172 4,043,100 4,100,079 96,256,874 262,510,470 17,263,733 19,810,476 443,615,904 10,551,468 22,663,840 330,274,155 437,137 21,253,250 385,179,850

Assets
Cash and balances with treasury banks Balances with other banks Lendings to Financial Institutions Investments - Net Advances - Net Operating Fixed Assets Deferred Tax Assets Other Assets Sub Total - Assets

Liabilities
Bills Payable Borrowings Deposits in other accounts Subordinated loans Liabilities against assets subject to finance lease Deferred Tax Liabilities - net Other liabilities Sub Total - Liabilities

NET ASSETS Represented by

Share Capital Reserves Unappropriated Profit Total Surplus on revaluation of assets - net of tax

58,436,054
6,282,768 36,768,765 9,193,332 52,244,865 6,191,189

58,436,054

Income Statement as of 31.12.2008 Mark up/return/interest earned Mark up/return/interest expensed Net mark-up/interest income Provision for diminution in the value of investments - net Provision against loans and advances - net Total Net mark-up Non-mark-up/interest income Fee,commision and brokerage income Dividend income Income from dealing in foreign currencies Gain on scale of securities - net Unrealized loss on revaluation of investments classified as held for trading Other income - net Total non-mark-up

PKR 000's 40,043,824 11,560,740 28,483,084 2,683,994 1,335,127 4,019,121 24,463,963 2,866,729 617,554 727,564 740,429 (103,198) 942,362 5,791,440 30,255,403 7,546,878 10,120 830,839 8,387,837 21,867,566 7,341,257 (864,824) 16,533 6,492,966 15,374,600

Non-mark-up/interest expenses Administrative expenses Other provision/(reversal) - net Other charges

Total non-mark-up/interest expenses Profit before taxation Taxation Current year Prior years Deffered Total tax Profit after taxation

Comparison between 2007 & 2008 Income Statement

15,400,000 15,380,000 15,360,000 (Rupees in 000) 15,340,000 15,320,000 15,300,000 15,280,000

15,260,000
15,240,000 15,220,000 15,200,000 2007 2008 2007 15,265,562 2008 15,374,600

Consumer banking
Islamic banking Loans