Banking Presentation

Asset Quality Ratios

Muhammad Inam

Non performing loans to Gross advances

JS Bank
Year

2006

2007

2008

2009

2010

Ratios

0.0603370 0.0217792 0.0124211 0.0704400 0.1311614

Industry Average
Year

2006

2007

2008

2009

2010

Ratios

7.08%

7.20%

7.51%

8.63%

13.75%

Provision against NPLs to Gross Advances

JS bank
Year

2006

2007

2008

2009

2010

Ratios

0.0603370 0.0178463 0.0007691 0.0392503 0.0363602

Industrial Average
Year

2006

2007

2008

2009

2010

Ratios

5.02%

5.61%

6.96%

8.51%

9.67%

NPLs to Total Equity

JS Bank
Year

Ratios

2006

2007

0.0361871

0.0276491

2008

0.0231404

2009

0.1515696

2010

0.3258775

Industrial Average
Year

2006

2007

2008

2009

2010

Ratios

52.82%

46.93%

50.76%

52.82%

89.73%

NPLs write off to NPLs provision

JS Bank
Year

Ratio

2006

2007

0.0000000

0.0826620

2008

1.4840587

2009

1.6179677

2010

0.2587747

Industrial Average
Year

2006

2007

2008

2009

2010

Ratio

16.32%

38.36%

43.82%

38.35%

29.84%

Provision against NPL to NPLs

JS Bank
Year

Ratio

2006

2007

1.0000000

0.8194201

2008

0.0619159

2009

0.5572160

2010

0.2772172

Industrial Average
Year

2006

2007

2008

2009

2010

Ratio

70.94%

77.92%

92.75%

98.62%

70.35%