Ratio Type

Formula

Return on
Equity(ROE)

Earning after
tax/ Total
shareholder
equity

16,873,175
69,180,011
= 24.39%

Return on
Assets (ROA)

Earning after
tax/ Total
Assets

16,873,175 15,495,297 15,374,600 15,265,562 12,142,398

567,552,613 509,223,727 443,615,904 410,485,517 342,108,243
= 2.97%
= 3.04%
= 3.47%
= 3.72%
= 3.55%

Profit before
tax ratio

Earning
before Tax/
interest
Earned

26,253,075
54,821,296
= 47.89%

23,154,945
51,616,007
= 44.86%

21,867,566
40,043,824
= 54.61%

21,308,035
31,786,595
= 67.03%

18,500,670
25,778,061
= 71.77%

Profit after
tax ratio

Earning after
Tax/ interest
Earned

16,873,175
54,821,296
= 30.78%

15,495,297
51,616,007
= 30.02%

15,374,600
40,043,824
= 38.39%

15,265,562
31,786,595
= 48.03%

12,142,398
25,778,061
= 47.10%

Loan-Deposit
ratio

Loans/
Deposits

254,551,589
367,604,711

253,249,407
367,604,711

262,135,470
330,181,624

218,960,598
292,098,066

198,239,155
257,461,838

= 59.01%

= 59.01%

= 79.39%

= 74.96%

= 77.00%

2010
2009
2008
...(Rupees in "000")...
15,495,297
61,075,932
= 25.37%

15,374,600
52,244,865
= 29.43%

2007

2006

15,265,562
45,414,156
= 33.61%

12,142,398
35,656,675
= 34.05%

Ratio Type

Formula

2010

2009

2008

2007

2006

...(Rupees in "000")...
Debt to total
Assets

Total Debt/
Total Assets

25,684,593
567,552,613
0.05

44,662,088
509,223,727
0.09

22,663,840
443,615,904
0.05

39,406,831
410,485,517
0.10

23,943,476
342,108,243
0.07

Debt to
Equity ratio

Total Debt/
Total
Shareholders
Equity

25,684,593
69,180,011
0.37

44,662,088
61,075,932
0.73

22,663,840
52,244,865
0.43

39,406,831
45,414,156
0.87

23,943,476
35,656,675
0.67

Ratio Type

Formula

2010

2009

2008

2007

2006

...(Rupees in "000")...
Advances to
total Assets

Advances /
total Assets

254,551,589 253,249,407 262,135,470 218,960,598 198,239,155

567,552,613 509,223,727 443,615,904 410,485,517 342,108,243
= 45%
= 50%
= 59%
= 53%
= 58%

Advances to
Deposits

Advances /
Deposits

254,551,589 253,249,407 262,135,470 218,960,598 198,239,155

431,371,937 367,604,711 330,181,624 292,098,066 257,461,838
= 59%
= 69%
= 79%
= 75%
= 77%

Cash to
Deposits

Cash/
Deposits

45,407,183 38,774,871 39,631,172 39,683,883 32,465,976

431,371,937 367,604,711 330,181,624 292,098,066 257,461,838
= 11%
= 11%
= 12%
= 14%
= 13%

Equity to
Deposits

Equity/
Deposits

69,180,011 61,075,932 52,244,865 45,414,156 35,656,675

431,371,937 367,604,711 330,181,624 292,098,066 257,461,838
= 16%
= 17%
= 16%
= 16%
= 14%

Ratio Type

Formula

2010

2009

2008

2007

2006

...(Rupees in "000")...
Earning per
share(EPS)
after tax

Earning after tax/

Total Outstanding
shares

16,873,175 15,495,297 15,374,600 15,265,562 12,142,398

7,602,150 6,911,045 6,282,768 6,282,768 5,463,276
22.20
22.42
24.5
24.30
22.23

Earning per
share(EPS)
before tax

Earning before tax/

Total Outstanding
shares

26,253,075 23,154,945 21,867,566 21,308,035 18,500,670

7,602,150 6,911,045 6,282,768 6,282,768 5,463,276
34.53
33.50
34.81
33.92
33.86

Book value
per share

Total Shareholders
Equity/ Total
Outstanding shares

69,180,011 61,075,932 52,244,865 45,414,156 35,656,675

7,602,150 6,911,045 6,282,768 6,282,768 5,463,276
91.00
88.37
83.16
72.30
65.30

Ratio Type

Formula

2010

2009

2008

2007

2006

...(Rupees in "000")...
Assets
turnover

Net Sales /
Total assets

54,821,296 51,616,007 40,043,824 31,786,595 25,778,061

567,552,613 509,223,727 443,615,904 410,485,517 342,108,243
= 0.10
= 0.10
= 0.09
= 0.08
= 0.08

Fixed Assets
turnover

Net Sales /
Fixed Assets

54,821,296
20,947,540
= 2.62

51,616,007
18,014,896
2.87

40,043,824
17,263,733
2.32

31,786,595
16,024,123
1.98

25,778,061
9,054,156
2.85