RATIO CALCULATIONS OF SILK Bank

Profitability
ROA = NI / TA

2012
-344,271/89,061,570 = -0.38%

2011
695,063/90,670,277 = 0.76%

ROE = NI / Equity

-344,271/5,193,761 = -6.62%

695,063/5,515,868 = 12.60 %

Net Interest
Margin
=Net Interest
Income / TA
Net Non Interest
Margin =
Net Non Interest
Income / TA
Net Bank
Operating Margin
= Net Operating
Revenue / TA
OR EBT / TA

1,902,228/89,061,570 = 2.13%

1,870,838/90,670,277 = 2.06%

1,064,666/89,061,570 = 1.19%

846,586/90,670,277 = 0.93%

-529,269/89,061,570 = -0.59%

1,358,918/90,670,277 = 1.49%

Expense Control
Measures
Interest Exp / TA
Non Interest Exp /
TA
Admin expenses /
TA

2012

2011

6,681,338/89,061,570 = 7.50%
4,076,652/89,061,570 =4.57%

6,514,770/90,670,770 = 7.18%
3,988,359/90,670,277 = 4.39%

4,213,559/89,061,570 = 4.73 %

3,779,045/90,670,277 = 4.16 %

Credit Risk
NPL / Gross
Advances
PLL / Equity
ALL / Gross
Advances
PLL / NI

2012
10,800,000/54,000,000 = 20.02%

2011
11,000,000/55,300,000 = 19.93%

-158,479/5,193,761 = -3.05%
4,860,099/54,000,000 = 9.00%

2,583,376/5,515,868 = 46.13%
5,261,835/55,300,000 = 9.51%

-158,479/-344,271 =46.03%

-2,583,376/695,063 = -371.67%

Liquidity Risk
Cash & Balances
with Treasury / TA

2012
4,006,569/89,061,570 = 4.49%

2011
4,436,142/90,670,277 = 4.89%

Govt Sec / TA

10,325,762/89,061,570 = 11.59%

15,700,265/90,670,277 = 17.31%

Market Risk
EPS (given)

2012
Rs: -0.13/ share

2011
Rs: 0.26/ share

Capital Adequacy
MCR SBP
requirement
2012 = Rs 9 Bill
2011 = Rs 8 Bill

2012
Share capital = Rs: 26,716,048,000
Above SBP requirement

2011
Share Capital = Rs: 26,716,048,000
Above SBP requirement

Intermediation
Efficiency
ADR = Gross
Advances /
Deposits
IDR = Gross
Investments /
Deposits

2012

2011

54,019,000/69,050,447 = 78.23%

55,309,000/64,071,908 = 86.32%

12,711,912/69,050,447 = 18.40%

17,641,956/64,071,908 = 27.53%