Professional Documents
Culture Documents
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Contents
• Introduction
• Pattern of Shareholding
• Mission Statement
• Award & Recognition
• Corporate Information
• Askari Bank’s Presence
• Change
• Management
• Business & Operations
• Financial Review
• Ratio Analysis
• Comparative Analysis
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Bank’s Head Office
4
Past Present
16 Years of Banking
5
Mission
6
Pattern of Shareholding
Particulars Shares Held %
Army Welfare Trust 94,574,143 47.18
NIT 15,192,691 7.58
ICP 8,535 0.00
Directors & Chief Executive 6,384 0.00
M Afzal Munif 627,599 0.31
Executives of the Bank 22,239 0.01
DFI’s, NBFC’ etc 35,722,397 17.83
Individuals 46,666,485 23.29
Others 7,612,766 3.80
200,433,239 100.00
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Entity Ratings
Rated by PACRA
• Long Term AA
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Awards & Recognition
• Corporate Excellence
• Bank of First Choice
• Best Retail Bank in Pakistan
• Annual Report for the year
9
Corporate Information
Board of Directors
• Lt Gen Waseem Ahmed Lt Gen ® Zarrar Azim
• Brig ® M Shiraz Baig Brig ® Asmat Ullah Khan
• Mr. Kashif Mateen Ansari Mr. Zafar Alam Khan
• Mr. M Afzal Munif Mr. M Najam Ali
• Mr. Tariq Iqbal Khan Mr. Shehryar Ahmed
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Askari Bank’s Presence
11
Change
12
Why Change
State of Stagnation
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Organizational Structure
16
Business &
Operations
17
Corporate Banking
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Corporate Banking Segment Wise
Exposure
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Investment Banking
• Advisory Services
• Debt Capital Markets
• Capital raising
• Trading activity
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Retail Banking
• Atm/ credit card
• Mortgage finance
• Business finance
• Personal finance
• Smart cash
• Auto loans
• On-line utility bill
• RTC’s
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Retail Portfolio
22
Retail Banking Advances
Rs in Billion
23
Treasury & International Banking
• Fcy accounts
• Import & export
• Traveler cheques
• Foreign remittance
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Cash, Short Term Placements & Govt.
Bonds
Rs in Billion
25
Imports Exports
Rs in Billion
26
Advances & Credit
• Term loans
• Cheque purchase
• Letters of credit
• Guarantees
• Running finance
• Pre-post shipment
• Fcy/ Lcy financing
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Advances Portfolio
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Distribution of Funded O/s Advances
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Advances by Sector
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Agriculture Banking
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Askari Islamic Banking
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Askari Islamic Banking
• launched in 2006
• 06 branches in major cities
• halal banking solutions
• areas include
• Islamic corporate banking
• Islamic investment banking
• Islamic trade finance
• Islamic general banking
• Islamic consumer banking
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An Era of Performance Rs in Million
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Balance Sheet Growth
38
Growth in Deposits Growth in Advances
Rs in Billion
39
Analysis of Deposits
Rs in Billion
40
Profit (Rs in million)
41
42
Profit After Tax
Rs in Billion
6 2681
5 2.250
4 2.022
3 1.923
2 1.103
1 0.687
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NPL’s
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Advances to Deposits
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Ratio Analysis
ROE (Return on Equity)
34.8
27.7
23.9
22.6
20.3
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Ratio Analysis
ROA (Return on Assets)
1.6
1.4 1.4
1.1
47
Ratio Analysis
EPS (Earning Per Share)
15.31
13.42
11.23
9.66
6.32
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Ratio Analysis
Current Ratio
1.21
1.19
1.11
1.09
1.08
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Interim Financial Statement
September 30, 2007
Rs in Million
Profitability
• Total Income 11,180
• Profit after Tax 1,858
Shareholder’s Funds
• Total Shareholder’s Fund 13,284
Liabilities
• Customer Deposits 142,435
• Re-Finance Borrowings 11,338
Assets
• Advances 94,877
• Investments 42,703
• Total Assets 178,498
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Comparative Analysis
September 30, 2007 Askari Bank Bank Al Falah Faysal Bank
Rs in Million
Profitability
Total Income 11,180 18,841 8,662
Profit after Tax 1,858 3,006 2,313
Shareholder’s Funds
Total Shareholder’s Fund 13,284 15,362 17,068
Liabilities
Customer Deposits 142,435 260,228 105,718
Re-Finance Borrowings 11,338 16,096 9,592
Assets
Advances 94,877 149,336 79,810
Investments 42,703 89,778 33,088
Total Assets 178,498 312,460 144,199
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The End
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