Professional Documents
Culture Documents
Sep 2012
Sep 2012
Covers:
Banking Industry
Islamic Banking
Development Finance Institutions
CONTENTS
Data Conventions................................................................................................................................................... 1
1.
Table 2.1: Group-wise Balance Sheets and Income Statements of Islamic Banks/Branches............ 19
Table 2.2: Financial Soundness Indicators of Islamic Banking ...................................................................... 20
Table 2.3: List of Islamic Banks................................................................................................................................... 21
3.
[ Javaid.Ismail@sbp.org.pk ]
[ Inaam.Ashraf@sbp.org.pk ]
Ghulam Khadija
[ Ghulam.Khadija@sbp.org.pk ]
Data Conventions
1. Figures for the calendar years (CY) are based on annual audited accounts for that year.
2. Figures for quarters (Mar, Jun, Sep, and Dec) are based on unaudited Quarterly Report
of Condition (QRC) submitted by banks.
Table 1.1: Key variables of Balance Sheet and Profit & Loss Statement
Column1
CY07 CY08 CY09 CY10 Sep-11
Total Assets
5,172 5,628 6,516 7,117 7,763
Investments (net)
1,276 1,087 1,737 2,157 2,845
Advances (net)
2,688 3,173 3,240 3,358 3,263
Deposits
3,854 4,218 4,786 5,451 5,769
Equity
544
563
660
695
753
Profit Before Tax (ytd)
107
63
81
105
116
Profit After Tax (ytd)
73
43
54
65
76
Provisioning Charges (ytd)
60
106
97
75
44
Non-Performing Loans
218
359
446
556
613
Non-Performing Loans (net)
30
109
134
185
210
Note: Statistics of profits and provision charges are on year-to-date (ytd) basis.
CY11 Mar-12
8,171 8,386
3,055 3,188
3,349 3,429
6,244 6,315
784
787
170
48
112
31
50
6
592
609
182
192
billion Rupees
Jun-12 Sep-12
8,653 9,109
3,275 3,769
3,573 3,549
6,803 6,744
808
855
99
142
64
92
11
26
635
617
214
185
Table 1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs)
CY07
CY08
CY08 CY09
Growth Rates
YoY
YoY
YoY
Assets
18.8
8.8
8.8
Loans (Net)
10.7
18.0 18.3
Deposits
18.4
9.4
9.4
Investments (Net)
53.1 (14.8) (15.4)
Equity
35.3
3.4
3.4
KEY FSIs:
CY07 CY08 CY08
Capital Adequacy Ratio
12.3
12.2
12.3
Capital to Total Assets
10.5
10.0 10.0
NPLs to Loans (Gross)
7.6
10.5
10.5
Net NPLs to Net Loans
1.1
3.4
3.4
ROA (Before Tax)
2.2
1.2
1.2
ROE^ (Before Tax)
22.6
11.4 11.4
Liquid Assets/ Total Deposits
45.1
37.7
38.2
Advances to Deposit Ratio
69.7
75.2 75.5
^ Based on Average Equity plus Surplus on Revaluation.
YoY
15.8
2.1
13.5
59.9
17.3
CY09
14.0
10.1
12.6
4.1
1.3
13.2
44.5
67.7
CY10
Sep-11
YoY
9.2
3.7
13.9
24.2
5.2
CY10
13.9
9.8
14.9
5.5
1.5
15.5
47.1
61.6
QoQ YoY
0.6 17.2
(3.6) 3.0
(3.3) 14.9
8.6 51.9
4.2 14.9
Sep-11
14.9
9.7
16.7
6.4
2.1
21.5
54.5
56.6
CY11
YoY
14.8
(0.3)
14.5
41.6
12.9
CY11
15.1
9.6
15.7
5.4
2.2
23.0
59.5
53.6
Mar-12
Jun-12
QoQ
YoY QoQ YoY
5.7
15.0 3.2
12.2
2.4
(0.2) 4.2
5.6
8.1
14.5 7.7
14.0
7.3
42.5 2.7
25.0
4.1
12.4 2.6
11.8
Mar-12
Jun-12
14.7
15.1
9.4
9.3
15.8
15.9
5.6
6.0
2.5
2.4
26.3
25.9
58.5
54.3
54.3
52.5
Percent
Sep-12
QoQ YoY
5.3 17.3
(0.7) 8.8
(0.9) 16.9
15.1 32.5
5.8 13.5
Sep-12
16.0
9.4
15.5
5.2
2.2
23.4
62.8
52.6
Table 1.3: Group wise Balance Sheet and Income Statement of Banks
September 30, 2012 (Un-audited)
million Rupees
Financial Position
PSCB
LPB
143,102
28,711
21,808
501,537
774,533
34,009
24,774
135,965
1,664,440
12,503
132,634
1,234,522
44
6,426
97,953
1,484,082
180,359
43,510
47,944
53,481
144,935
35,423
180,359
526,125
102,624
124,196
3,145,335
2,612,632
202,439
46,811
294,493
7,054,654
84,984
746,608
5,334,157
52,797
0
12,632
204,584
6,435,762
618,892
360,279
90,713
101,741
552,733
66,160
618,892
PSCB
LPB
FB
104,566
68,042
36,524
4,862
31,662
7,806
2,935
3,073
5,394
19,208
50,870
30,745
81
30,825
20,045
20,045
6,076
13,969
463,687
260,105
203,582
18,548
185,034
29,336
12,909
11,841
20,688
74,774
259,809
139,605
2,919
142,523
117,285
117,285
41,244
76,041
16,261
7,974
8,287
552
7,735
1,292
2,320
4
3,616
11,352
6,855
81
6,936
4,416
880.24
3,535
1,751
1,784
ASSETS
Cash & Balances With Treasury Banks
Balances With Other Banks
Lending To Financial Institutions
Investments - Net
Advances - Net
Operating Fixed Assets
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Borrowings From Financial Institution
Deposits And Other Accounts
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance Lease
Deferred Tax Liabilities
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY:
Share Capital
Reserves
Unappropriated Profit
Share Holders' Equity
Surplus/Deficit On Revaluation Of Assets
TOTAL
Administrative Expenses
Other Expenses
Total Non-Markup/Interest Expenses
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items - Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX
FB
40,559
6,917
13,175
98,934
64,355
1,769
4,381
9,077
239,166
4,542
10,875
161,080
8
68
18,468
195,041
44,125
40,578
149
3,219
43,947
178
44,125
CB
709,787
138,251
159,179
3,745,806
3,451,521
238,216
75,967
439,534
8,958,261
102,029
890,117
6,729,758
52,797
52
19,126
321,006
8,114,885
843,376
444,367
138,806
158,441
741,615
101,761
843,376
CB
584,514
336,121
248,393
23,962
224,432
38,434
15,845
17,234
26,086
97,599
322,030
177,205
3,080
180,285
141,746
880.24
140,865
49,071
91,794
SB
2,776
6,299
1,340
23,308
97,446
4,780
1,057
14,020
151,025
355
82,208
14,049
3,405
12
228
39,161
139,419
11,605
15,508
11,405
(20,319)
6,594
5,011
11,605
SB
8,912
3,241
5,671
2,200
3,471
22
79
7
3,285
3,394
6,865
5,987
(313)
5,675
1,191
0.04
1,191
495
695
All Banks
Absolute change
QoQ
YoY
712,562
144,551
160,519
3,769,114
3,548,966
242,996
77,023
453,554
9,109,285
102,384
972,325
6,743,807
56,202
64
19,354
360,167
8,254,304
854,981
459,875
150,211
138,122
748,209
106,772
854,981
(2,246)
8,067
(11,811)
493,644
(23,796)
744
(5,694)
(2,509)
456,399
(1,028)
463,860
(59,089)
(1,687)
(19)
5,164
2,222
409,423
46,977
908
4,189
8,804
13,901
33,076
46,977
All Banks
593,426
339,362
254,064
26,161
227,903
38,456
15,924
17,241
29,372
100,993
328,896
183,192
2,767
185,959
142,936
880.28
142,056
49,567
92,490
138,722
(26,192)
(44,222)
923,658
286,018
11,374
(8,238)
65,254
1,346,375
15,523
206,901
975,219
379
(71)
6,304
40,319
1,244,573
101,801
23,009
20,980
25,786
69,775
32,026
101,801
Change (YoY)
48,022
44,407
3,615
(18,174)
21,789
3,426
8,287
(1,188)
13,459
23,985
45,774
19,017
(287)
18,730
27,044
87690.70%
26,167
9,662
16,505
CY07
CY08
CY09
CY10
Sep-11
CY11
16.1
11.8
14.6
12.8
-6.2
12.3
13.4
11.9
21.8
12.6
-4.9
12.2
15.1
13.9
23.0
14.5
-1.5
14.0
14.7
13.6
23.8
14.1
4.7
13.9
13.2
15.0
29.4
15.1
7.3
14.9
16.5
14.4
31.3
15.3
8.9
15.1
15.1
14.2
29.6
14.8
9.4
14.7
14.4
14.9
31.0
15.2
10.9
15.1
16.2
15.6
33.1
16.2
10.7
16.0
12.2
9.9
14.0
10.5
-12.5
10.0
10.9
10.0
21.3
10.6
-10.1
10.1
12.6
11.4
22.5
12.0
-5.8
11.6
12.2
11.4
23.5
12.0
-0.9
11.6
11.0
12.8
29.1
12.9
1.6
12.6
14.4
12.3
31.1
13.3
3.4
13.0
12.8
12.1
29.4
12.8
3.7
12.5
12.3
12.7
30.8
13.2
5.4
13.0
13.3
13.1
32.9
13.7
5.2
13.4
13.7
10.2
11.2
10.9
-5.4
10.5
10.7
10.0
14.5
10.3
-3.2
10.0
11.3
9.9
14.8
10.4
-1.7
10.1
11.7
9.3
14.8
9.9
1.2
9.8
11.1
9.2
16.6
9.8
5.0
9.7
10.6
9.2
16.7
9.7
5.4
9.6
10.6
8.9
16.4
9.4
6.5
9.4
10.1
8.9
17.6
9.4
7.6
9.3
10.8
8.8
18.4
9.4
7.7
9.4
8.4
6.5
1.6
6.7
34.3
7.6
16.3
8.7
2.9
9.9
28.8
10.5
16.9
11.1
6.7
12.1
25.5
12.6
22.9
12.5
9.5
14.5
28.7
14.9
25.2
13.9
10.1
16.3
30.9
16.7
21.1
13.8
10.4
15.3
30.1
15.7
21.4
13.9
10.5
15.5
27.4
15.8
22.7
13.4
11.1
15.5
30.4
15.9
19.5
13.8
11.3
15.1
29.2
15.5
89.0
88.5
157.0
89.1
68.6
86.1
66.9
70.2
81.9
69.3
72.4
69.6
67.8
71.0
75.2
70.1
65.7
69.9
52.4
73.2
86.6
66.9
63.4
66.7
47.2
75.3
88.6
66.1
61.6
65.8
58.2
74.6
89.3
69.9
59.1
69.3
57.1
73.1
87.7
68.5
68.3
68.5
50.0
74.9
88.7
66.9
55.5
66.3
58.2
75.4
88.7
70.5
61.9
70.0
1.0
0.8
-0.9
0.8
14.0
1.1
6.1
2.7
0.5
3.3
10.0
3.4
6.1
3.5
1.8
4.0
10.5
4.1
12.4
3.7
1.4
5.3
12.8
5.5
15.1
3.8
1.3
6.2
14.7
6.4
10.1
3.9
1.2
5.1
14.9
5.4
10.5
4.2
1.4
5.4
10.7
5.6
12.8
3.7
1.4
5.7
16.2
6.0
9.2
3.8
1.4
5.0
13.6
5.2
3.4
4.1
-4.1
3.7
30.3
15.9
1.6
17.9
27.4
17.4
4.4
18.8
5.6
19.4
20.4
48.8
18.9
2.6
25.0
26.7
63.9
17.1
1.9
26.3
27.8
41.8
17.1
1.9
21.6
23.1
44.4
18.8
2.3
23.3
24.3
60.0
16.8
2.1
24.9
26.5
39.5
16.1
2.1
20.3
21.6
3.5
2.0
1.5
2.3
1.4
2.2
0.6
1.3
0.0
1.1
3.2
1.2
1.5
1.3
-0.3
1.3
3.1
1.3
1.8
1.5
0.9
1.5
2.0
1.5
1.6
2.2
2.3
2.1
0.3
2.1
2.0
2.3
2.3
2.2
2.4
2.2
1.9
2.5
1.7
2.4
-1.9
2.5
1.8
2.5
1.4
2.3
3.1
2.4
1.7
2.4
1.9
2.2
1.1
2.2
CY08
CY09
CY10
Sep-11
CY11
0.5
0.9
0.3
0.8
1.8
0.8
1.3
0.9
(0.3)
0.9
1.2
0.9
1.3
0.9
0.4
0.9
1.2
1.0
1.1
1.4
1.6
1.4
0.3
1.4
1.4
1.5
1.5
1.5
1.6
1.5
1.3
1.6
1.0
1.5
(1.3)
1.7
1.1
1.6
0.6
1.5
2.1
1.6
1.2
1.5
1.0
1.5
0.7
1.4
5.2
12.9
0.0
10.6
11.4
13.3
13.2
(2.4)
12.4
13.2
15.2
15.6
5.8
15.0
15.5
14.8
24.2
15.3
21.7
21.5
18.0
24.7
14.5
22.7
23.0
18.6
28.0
10.1
25.0
26.3
16.9
27.9
8.4
24.5
25.9
15.9
26.7
10.9
23.5
23.4
4.4
8.5
2.2
7.3
7.8
11.4
8.6
(2.3)
8.6
8.9
11.2
9.3
2.7
9.4
9.6
10.2
15.6
10.7
14.2
14.1
12.2
16.1
9.5
14.9
15.1
12.7
18.0
5.7
16.2
17.6
11.0
18.1
3.5
15.8
17.3
11.1
17.3
5.5
15.3
15.3
65.4
73.2
61.3
71.2
46.6
70.3
63.0
75.9
64.8
73.3
44.7
72.4
69.1
77.2
67.6
75.4
51.0
74.7
70.6
78.2
71.7
76.7
65.3
76.5
69.4
77.9
72.2
76.2
67.3
76.0
71.4
73.7
75.7
73.4
73.4
73.4
66.7
73.7
73.3
72.6
62.7
72.3
65.5
73.1
69.6
71.8
62.6
71.6
39.1
51.6
69.6
50.0
52.1
50.1
47.5
50.1
77.5
50.9
61.3
51.2
49.1
52.5
65.2
52.4
61.3
52.7
52.4
50.0
58.5
50.7
66.8
51.1
49.9
50.8
59.3
50.9
60.4
51.1
57.9
50.0
69.3
51.9
70.2
52.5
57.7
50.8
61.0
52.3
59.5
52.5
55.3
51.2
58.3
52.1
62.6
52.4
30.6
26.8
45.2
28.3
24.5
28.2
31.1
32.3
55.0
32.9
19.8
32.7
34.6
35.7
64.6
36.4
19.6
36.1
31.6
41.9
67.6
40.9
19.3
40.5
40.9
46.2
68.6
45.9
23.5
45.5
36.8
45.3
68.9
44.5
20.5
44.0
32.6
44.7
67.4
43.1
23.8
42.7
33.6
49.5
66.7
47.0
19.8
46.5
38.9
35.0
71.6
37.1
229.4
37.7
40.1
43.4
82.4
44.0
167.1
44.5
43.5
45.8
96.4
46.8
149.4
47.1
41.7
55.4
98.7
54.1
187.2
54.5
51.3
59.5
104.3
59.1
202.0
59.5
48.3
58.9
104.1
58.1
231.2
58.5
40.5
55.8
101.6
54.0
202.1
54.3
45.3
65.4
99.0
62.5
212.6
62.8
68.4
75.1
68.9
73.6
577.0
75.2
65.2
66.6
56.1
66.0
560.8
67.7
58.0
61.3
42.0
60.1
491.5
61.6
62.0
54.1
36.9
55.1
628.1
56.6
55.2
52.0
39.6
52.3
540.1
53.6
59.1
51.9
39.3
52.9
718.9
54.3
59.0
49.7
39.7
51.2
535.9
52.5
62.7
49.0
40.0
51.3
693.6
52.6
All Banks
billion Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
CY07
248
544
3,854
4,627
2,688
1,276
5,172
475
368
107
73
CY08
281
563
4,218
5,065
3,173
1,087
5,628
582
519
63
43
CY09
325
660
4,786
5,856
3,240
1,737
6,516
690
609
81
54
CY10
358
695
5,451
6,422
3,358
2,157
7,117
617
721
105
65
Sep-11
437
753
5,769
7,010
3,263
2,845
7,763
622
507
116
76
CY11
405
784
6,244
7,386
3,349
3,055
8,171
686
856
170
112
Mar-12
455
787
6,315
7,599
3,429
3,188
8,386
224
177
48
31
Jun-12
459
808
6,803
7,845
3,573
3,275
8,653
456
358
99
64
Sep-12
460
855
6,744
8,254
3,549
3,769
9,109
694
552
142
92
CY07
CY08
CY09
CY10
16,671
18,544
21,339
34,030
142,270
111,986
139,219
159,790
812,856
819,683
952,373 1,087,506
893,622
930,324 1,090,831 1,205,801
487,362
560,666
620,596
630,704
296,670
204,784
297,689
383,310
1,035,892 1,042,310 1,230,050 1,365,591
90,970
103,421
119,979
108,949
57,748
96,855
103,218
131,722
33,222
6,566
16,762
22,773
23,851
5,644
14,372
16,798
Sep-11
41,114
159,714
1,090,594
1,278,386
675,883
419,153
1,438,100
108,585
91,464
17,120
11,830
CY11
41,414
166,172
1,248,199
1,396,686
689,423
479,609
1,562,858
121,753
151,113
29,359
19,833
Mar-12
41,414
165,445
1,189,503
1,394,920
702,696
467,411
1,560,364
38,993
31,340
7,653
5,220
Jun-12
Sep-12
43,096
43,510
163,828
180,359
1,302,371 1,234,522
1,454,196 1,484,082
768,577
774,533
456,008
501,537
1,618,023 1,664,440
81,519
123,774
67,604
103,729
13,915
20,045
9,083
13,969
CY07
199,547
389,726
2,909,310
3,446,053
2,039,623
936,764
3,835,779
348,149
278,615
69,530
47,263
Sep-11
340,655
543,412
4,486,292
5,379,583
2,429,069
2,307,956
5,922,995
482,373
388,249
94,124
60,809
CY11
309,306
567,665
4,810,209
5,635,806
2,499,799
2,442,332
6,203,471
528,855
660,306
131,451
85,716
Mar-12
358,977
569,900
4,941,630
5,849,735
2,565,007
2,598,174
6,419,635
173,889
134,124
39,764
25,585
Jun-12
360,079
589,875
5,321,893
6,047,823
2,642,507
2,697,062
6,637,698
351,582
271,255
80,327
52,095
CY08
214,571
421,074
3,236,220
3,799,764
2,429,934
847,045
4,220,838
437,498
385,022
52,477
34,704
CY09
253,015
487,719
3,655,994
4,417,543
2,435,792
1,373,082
4,905,262
524,275
463,734
60,541
39,265
CY10
274,587
498,613
4,188,181
4,875,191
2,568,695
1,679,542
5,373,804
470,401
547,425
77,024
45,646
Sep-12
360,279
618,892
5,334,157
6,435,762
2,612,632
3,145,335
7,054,654
538,462
421,176
117,285
76,041
Foreign Banks
million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
CY07
17,085
19,373
117,561
153,339
88,455
26,427
172,711
20,169
17,733
2,435
1,122
CY08
32,130
33,971
147,938
200,590
101,921
22,593
234,562
24,005
23,998
7
651
CY09
34,885
35,739
160,936
205,297
90,325
52,373
241,037
27,741
28,591
(850)
(809)
CY10
33,992
34,509
156,331
198,745
65,628
79,809
233,253
23,100
25,147
2,046
960
Sep-11
39,590
42,917
176,939
215,475
65,267
97,280
258,392
21,575
17,276
4,299
3,007
CY11
38,720
42,530
167,870
212,744
66,411
113,382
255,274
22,979
28,579
5,601
3,660
Mar-12
38,735
42,274
171,098
216,135
67,178
102,475
258,409
6,606
5,522
1,083
616
Jun-12
40,285
42,446
160,354
199,377
63,724
90,755
241,823
13,194
11,405
1,789
740
CY07
14,849
(6,931)
14,320
134,125
72,647
15,926
127,193
15,943
14,272
1,671
875
CY08
15,506
(4,163)
13,883
134,332
80,114
12,147
130,178
17,039
12,888
4,151
2,317
CY09
15,507
(2,424)
16,588
142,414
93,031
13,819
139,990
17,612
13,392
4,220
1,617
CY10
15,507
1,791
18,962
142,577
93,197
14,495
144,367
14,063
16,909
2,846
1,665
Sep-11
15,508
7,137
14,763
136,287
92,730
21,067
143,424
9,879
9,534
345
339
CY11
15,508
7,990
17,327
141,179
93,585
19,546
149,169
12,022
15,540
3,518
2,388
Mar-12
15,508
9,579
13,130
138,172
94,396
20,008
147,751
5,011
5,628
(617)
(373)
Jun-12
15,508
11,855
18,279
143,486
97,954
31,644
155,341
10,178
7,611
2,567
1,745
Sep-12
40,578
44,125
161,080
195,041
64,355
98,934
239,166
19,878
16,342
3,535
1,784
Specialized Banks
million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
Sep-12
15,508
11,605
14,049
139,419
97,446
23,308
151,025
12,306
11,115
1,191
695
FBs
SBs
Industry
Asset
Share of Total Assets
Share of Total Investments
of which investment in Government Securities
51.6
51.6
84.1
22.5
23.2
87.7
17.8
18.4
85.6
3.8
3.6
88.8
2.6
2.6
99.7
1.7
0.6
85.4
100
100
86
Advances:public
68.5
18.7
9.6
3.0
0.2
0.0
100.0
Advances:private
47.5
22.4
20.8
3.3
2.2
3.8
100.0
50.3
41.2
35.1
58.6
62.3
59.1
81.1
52.1
22.7
19.6
7.7
21.0
24.8
17.2
14.2
21.6
21.3
33.0
5.4
11.2
9.4
14.4
1.0
18.3
3.3
1.8
0.2
6.9
3.6
3.2
0.0
3.2
2.3
0.2
0.0
2.3
0.0
2.6
3.1
1.8
0.2
4.1
51.6
0.0
0.0
3.5
0.5
3.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
13.0
10.8
16.8
42.2
20.1
43.3
10.4
13.4
11.3
2.1
29.2
114.2
15.5
21.6
53.0
46.5
55.3
36.5
57.9
91.0
22.9
21.1
23.8
34.6
22.2
2.9
17.7
23.2
15.4
25.7
16.0
2.3
3.9
5.7
3.2
2.2
2.9
0.5
2.4
3.4
2.0
0.6
0.7
3.3
0.2
0.1
0.2
0.4
0.3
0.0
100.0
100.0
100.0
100.0
100.0
100.0
17.1
14.1
10.5
53.4
12.9
9.7
6.6
19.0
12.7
11.4
7.7
18.8
26.0
25.8
13.0
3.4
33.1
32.9
18.4
2.7
10.7
5.2
7.7
2.6
16.0
13.4
9.4
100.0
71.9
72.7
27.3
6.2
15.4
73.4
26.6
8.8
8.5
65.0
35.0
7.5
0.8
80.2
19.8
8.6
2.5
69.6
30.4
4.6
0.8
62.6
37.4
24.3
100.0
71.6
28.4
7.4
46.3
60.9
51.9
47.3
62.8
50.1
45.2
61.6
53.5
48.3
64.7
46.5
66.7
99.0
40.0
19.8
212.6
693.6
46.5
62.8
52.6
Advances
Liabilities
Share of Total Deposits
Customer Fixed Deposits
Customer CASA
Customer Deposits others
Financial Institutions Remunerative Deposits
Financial Institutions Non-Remunerative Deposits
Capital Adequacy
Capital/RWA (Capital Adequacy Ratio)
Tier 1 Capital / RWA
Net Worth / Total Assets
Share of Risk Weighted Assets
Earning & Profitability
Profit/Loss (Before Tax)
Net Interest Income / Gross Income
Non-Interest Expense / Gross Income
Provision Expense to Gross Income
Liquidity
Liquid Assets / Total Assets
Liquid Assets / Total Deposits
Advances to deposits ratio
Asset Quality:
Table 1.7: Asset Quality Indicators of the Banking System
Banking System: Selected Indicators of Asset Quality
Advances
NPLs
Provision
Advances (net)
Net NPLs
CY07
2,875,686
217,998
187,603
2,688,087
30,395
CY08
3,422,549
359,238
249,914
3,172,636
109,324
CY09
3,551,331
446,005
311,588
3,239,744
134,417
million Rupees
CY10
3,729,003
555,968
370,778
3,358,225
185,190
Sep-11
3,666,535
613,219
403,587
3,262,949
209,632
CY11
3,759,235
591,579
410,016
3,349,219
181,563
Mar-12
3,846,411
608,748
417,134
3,429,276
191,614
Jun-12
3,993,626
634,790
420,864
3,572,762
213,926
Sep-11
15,811
68,984
63,223
465,200
613,219
CY11
15,521
50,262
58,346
467,450
591,579
Mar-12
12,623
56,346
55,210
484,569
608,748
Jun-12
17,429
61,056
55,700
500,606
634,790
Jun-12
CY07
8,999
36,520
24,248
148,233
217,999
CY08
11,558
78,503
67,877
201,301
359,238
CY09
12,152
63,905
77,809
292,138
446,005
CY10
14,141
53,030
68,665
420,132
555,968
million Rupees
CY07
715
9,366
12,454
144,173
166,708
CY08
743
17,490
29,782
185,746
233,761
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY08
629,389
2,587,530
104,440
3,321,360
101,189
3,422,549
CY10
11,787
31,255
311,391
354,434
Sep-11
13,113
28,515
345,230
386,858
CY11
9,669
20,196
364,059
393,924
Mar-12
11,230
19,765
369,254
400,249
CY09
700,902
2,643,594
95,113
3,439,608
111,723
3,551,331
CY10
716,562
2,826,985
71,495
3,615,042
113,961
3,729,003
Sep-11
767,053
2,713,250
71,674
3,551,977
114,559
3,666,535
CY11
786,264
2,785,927
73,215
3,645,407
113,828
3,759,235
Mar-12
800,568
2,855,719
73,990
3,730,278
116,133
3,846,411
Jun-12
866,735
2,938,345
70,715
3,875,796
117,831
3,993,626
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY08
102,656
224,395
3,077
330,128
29,110
359,238
Sep-11
193,214
377,334
7,230
577,778
35,441
613,219
CY11
166,289
383,437
7,623
557,349
34,230
591,579
Mar-12
171,411
397,758
7,765
576,933
31,815
608,748
Jun-12
196,399
394,720
7,883
599,003
35,788
634,790
11,684
15,940
375,971
403,596
Sep-12
11,555
19,478
384,339
415,372
million Rupees
Sep-12
16,243
54,496
51,655
494,750
617,144
million Rupees
CY09
13,666
32,386
251,691
297,743
Sep-12
3,981,253
617,144
432,286
3,548,966
184,858
CY09
118,400
292,780
6,369
417,549
28,456
446,005
CY10
163,786
352,672
6,774
523,232
32,736
555,968
Sep-12
874,010
2,916,757
71,556
3,862,323
118,930
3,981,253
million Rupees
Sep-12
170,786
403,506
8,120
582,411
34,733
617,144
10
CY07
39,204
123,855
2,211
165,271
22,332
187,603
million Rupees
CY08
68,723
157,598
2,519
228,839
21,075
249,914
CY09
80,305
207,803
4,788
292,896
18,692
311,588
CY10
85,858
258,289
5,867
350,014
20,764
370,778
Sep-11
91,170
284,180
6,407
381,758
21,829
403,587
CY11
96,840
286,128
6,804
389,773
20,244
410,016
Mar-12
97,872
290,713
6,813
395,398
21,737
417,134
Jun-12
98,158
295,838
6,991
400,987
19,877
420,864
CY10
630,704
2,568,695
65,628
3,265,028
93,197
3,358,225
Sep-11
675,883
2,429,069
65,267
3,170,219
92,730
3,262,949
CY11
689,423
2,499,799
66,411
3,255,634
93,585
3,349,219
Mar-12
702,696
2,565,007
67,178
3,334,880
94,396
3,429,276
Jun-12
768,577
2,642,507
63,724
3,474,808
97,954
3,572,762
CY11
69,448
97,309
819
167,576
13,987
181,563
Mar-12
73,539
107,045
952
181,536
10,078
191,614
Jun-12
98,241
98,882
892
198,016
15,911
213,926
CY07
487,362
2,039,623
88,455
2,615,440
72,647
2,688,087
CY08
560,666
2,429,934
101,922
3,092,522
80,114
3,172,636
CY09
620,596
2,435,792
90,325
3,146,713
93,031
3,239,744
million Rupees
CY07
4,850
16,142
(803)
20,189
10,206
30,395
CY08
33,934
66,797
558
101,289
8,035
109,324
CY09
38,095
84,977
1,581
124,653
9,764
134,417
Sep-12
99,477
304,124
7,201
410,802
21,484
432,286
CY10
77,928
94,382
907
173,218
11,972
185,190
Sep-11
102,044
93,154
822
196,020
13,612
209,632
Sep-12
774,533
2,612,632
64,355
3,451,521
97,446
3,548,966
million Rupees
Sep-12
71,309
99,382
919
171,609
13,249
184,858
11
Corporate Sector
SMEs Sector
Agriculture Sector
Consumer sector
i. Credit cards
ii. Auto loans
iii. Consumer durable
iv. Mortgage loans
v. Other personal loans
Commodity financing
Staff Loans
Others
Total
Advances
2,329,440
346,986
169,315
259,625
26,244
57,341
1,003
65,330
109,707
457,247
77,535
74,164
3,714,312
NPLs
357,717
97,205
30,359
43,879
5,114
5,839
109
15,506
17,311
5,907
1,293
11,410
547,770
Sep-11
Infection
Ratio
Advances
15.4 2,345,911
28.0
277,613
17.9
174,693
16.9
244,450
19.5
23,935
10.2
48,383
10.8
609
23.7
58,694
15.8
112,828
1.3
467,965
1.7
75,415
15.4
80,488
14.7 3,666,535
NPLs
415,502
97,789
35,964
45,568
4,777
5,166
104
16,626
18,895
5,051
1,356
11,989
613,219
Dec-11
Sep-12
Infection
Infection
Infection
Ratio Advances NPLs
Ratio Advances NPLs
Ratio
17.7 2,419,390 414,240
17.1 2,592,261 418,330
16.1
35.2 303,685 95,501
31.4 238,838 96,161
40.3
20.6 176,860 34,105
19.3 196,647 37,314
19.0
18.6 242,235 44,965
18.6 244,720 44,489
18.2
20.0
23,406
4,822
20.6
23,233
4,952
21.3
10.7
46,785
4,868
10.4
44,551
4,780
10.7
17.0
126
100
79.1
130
90
68.9
28.3
57,774 16,534
28.6
53,672 16,943
31.6
16.7 114,144 18,642
16.3 123,135 17,724
14.4
1.1 437,555
4,883
1.1 523,099
6,397
1.2
1.8
75,771
1,395
1.8
83,074
1,544
1.9
14.9
90,652 12,056
13.3 102,613 12,909
12.6
16.7 3,746,149 607,145
16.2 3,981,253 617,144
15.5
NPLs
14,511
10,987
17,570
11,396
23,730
7,907
71,784
1
188,026
13,283
2,859
14,245
171,472
547,770
Sep-11
Dec-11
Sep-12
Infection
Infection
Infection
Infection
Ratio Advances NPLs
Ratio Advances NPLs
Ratio Advances NPLs
Ratio
6.6 324,933 38,442
11.8 312,087 36,504
11.7 352,503 39,925
11.3
23.0
50,380 11,081
22.0
53,727 10,928
20.3
53,082 10,982
20.7
18.5
82,872 18,897
22.8
81,119 18,804
23.2
64,007 18,046
28.2
7.9 137,823 13,531
9.8 146,899 13,821
9.4 160,063 15,065
9.4
38.5
56,949 29,121
51.1
60,347 30,358
50.3
52,624 24,544
46.6
19.0
58,339
8,382
14.4
70,533
8,424
11.9
71,985
9,589
13.3
16.1 339,266 54,141
16.0 336,181 53,521
15.9 334,536 54,334
16.2
0.1
1,087
1
0.1
508
1
0.2
598
23
3.9
12.5 1,501,109 218,315
14.5 1,519,573 210,332
13.8 1,677,431 203,933
12.2
3.8 396,337 16,835
4.2 369,929 14,934
4.0 488,759 18,849
3.9
12.5
24,872
3,068
12.3
30,930
3,128
10.1
22,329
3,093
13.9
19.4
94,968 12,975
13.7
84,022 12,233
14.6
97,788 11,318
11.6
24.3 597,600 188,431
31.5 680,293 194,158
28.5 605,548 207,443
34.3
14.7 3,666,535 613,219
16.7 3,746,149 607,145
16.2 3,981,253 617,144
15.5
12
CY08
CY09
33.2
69.5
2.4
105.2
1.7
106.9
6.6
52.5
0.0
59.0
4.2
63.2
16.8
60.5
(0.9)
76.5
4.2
80.7
23.9
47.3
1.1
72.2
0.9
73.1
5.6
34.7
0.6
41.0
2.3
43.3
14.4
39.3
(0.8)
52.8
1.6
54.4
CY10
Sep-11
CY11
billion Rupees
Mar-12 Jun-12 Sep-12
PSCBs
LPBs
FBs
CBs
SBs
All Banks
Profit After Tax
PSCBs
LPBs
FBs
CBs
SBs
All Banks
22.8
77.0
2.0
101.8
2.8
104.7
16.8
45.6
1.0
63.4
1.7
65.1
17.1
94.1
4.3
115.5
0.3
115.9
11.8
60.8
3.0
75.6
0.3
76.0
29.4
131.5
5.6
166.4
3.5
169.9
19.8
85.7
3.7
109.2
2.4
111.6
7.7
39.8
1.1
48.5
(0.6)
47.9
13.9
80.3
1.8
96.0
2.6
98.6
20.0
117.3
3.5
140.9
1.2
142.1
5.2
25.6
0.6
31.4
(0.4)
31.0
9.1
52.1
0.7
61.9
1.7
63.7
14.0
76.0
1.8
91.8
0.7
92.5
CY11
Mar-12
Jun-12
Percent
Sep-12
CY07
CY08
CY09
CY10
PSCBs
3.5
0.6
1.5
1.8
1.6
2.0
1.9
1.8
1.7
LPBs
2.0
1.3
1.3
1.5
2.2
2.3
2.5
2.5
2.4
FBs
1.5
0.0
-0.3
0.9
2.3
2.3
1.7
1.4
1.9
CBs
2.3
1.1
1.3
1.5
2.1
2.2
2.4
2.3
2.2
SBs
1.4
3.2
3.1
2.0
0.3
2.4
-1.9
3.1
1.1
All Banks
2.2
1.2
1.3
1.5
2.1
Before Tax ROE (based on Equity plus Surplus on Revaluation)
PSCBs
27.2
5.2
13.3
15.2
14.8
2.2
2.5
2.4
2.2
18.0
18.6
16.9
15.9
LPBs
24.7
28.0
27.9
26.7
20.4
12.9
13.2
15.6
24.2
FBs
13.1
0.0
-2.4
5.8
15.3
14.5
10.1
8.4
10.9
CBs
21.8
10.6
12.4
15.0
21.7
22.7
25.0
24.5
23.5
SBs
All Banks
22.6
11.4
13.2
15.5
21.5
23.0
26.3
25.9
23.4
13
Dec-10
Sep-11
Amount % Amount %
404.1 63.9
312.2 57.5
198
31
210.2 38.7
30.4 4.8
20.2
3.7
633 100 542.7 100.0
Dec-11
Amount
422.7
297.1
26.6
746.5
%
56.6
39.8
3.6
100.0
Mar-12
Amount
104.3
85.3
4.8
194.4
Jun-12
Sep-12
% Amount
%
Amount
%
53.7 211.8
54.1 317.9
53.6
43.9 169.7
43.3 260.5
43.9
2.5
10.3
2.6
15.0
2.5
100.0 391.8
100.0 593.4
100.0
Less than 10
10 to 15
Over 15
Total
CY10
5
13
20
38
Sep-11
5
8
25
38
**While amalgamation of MyBank with and into Summit bank Ltd came into effect on Jun 29, 2011, both banks reported their results for Jun11 quarter separately.
14
Table 1.14: Capital Structure and Capital Adequacy of All Banks and DFIs
September 30, 2012 (Un-audited)
million Rupees
All Banks and
DFIs
Equity
1.1
1.2
1.3
1.4
1.5
1.6
Deductions
1.7
Goodwill
1.8
Shortfall in Provisions required against Classified assets
1.9
Deficit on account of revaluation of AFS investment
1.10
Any increase in equity capital resulting from a securitization transaction
1.11
Investments in TFCs of other banks
1.12
Other Deductions
1.13
Sub-Total (1.7 to 1.12)
1.14
Total Eligible Tier 1 capital(1.6 less 1.13)
Supplementary Capital
Freely available General Provisions or reserves for loan losses-upto
maximum of 1.25% of Risk Weighted Assets
2.1
2.2
2.3
2.4
2.5
2.6
Deductions
2.7
2.8
2.9
2.10
2.11
2.13
3.1
3.2
3.3
3.4
4.1
4.2
4.3
5.1
5.2
5.3
5.4
5.5
5.6
5.7
PSCBs
LPB
FB
SB
All Banks
DFIs
504,862
(35,262)
-
43,510
17,000
-
360,279
(52,262)
-
40,578
-
15,508
-
459,875
(35,262)
-
48,409
-
162,206
141,869
773,675
22,040
53,095
135,645
122,501
99,968
530,486
149
3,219
43,947
11,405
(20,319)
6,594
156,095
135,963
716,672
6,111
5,634
60,154
41,398
9,928
493
2,973
15,684
70,529
703,146
1,159
5,485
53
3,024
9,722
125,923
39,905
4,143
47
11,000
55,147
475,339
280
300
239
820
43,127
0
(59)
114
56
6,539
41,345
9,928
234
47
14,164
65,718
650,953
53
273
2,926
1,546
4,798
55,356
16,500
59,468
28,640
36,898
141,461
6,017
18,140
7,114
31,271
8,729
37,802
21,525
33,693
101,705
210
0
211
1,369
2,385
3,204
6,958
16,325
58,327
28,640
36,898
140,190
175
1,141
1,316
15,684
15,684
125,777
3,024
3,024
28,247
11,000
11,000
90,705
211
114
114
6,844
14,164
14,164
126,025
1,546
1,546
(230)
125,777
832,060
28,247
154,170
90,705
566,044
211
43,338
6,844
13,383
126,007
776,960
(230)
55,126
3,848,328
353,903
735,674
4,941,369
788,791
42,462
118,955
950,207
2,789,768
288,534
558,429
3,636,732
96,910
6,651
27,553
131,114
107,069
148
17,744
124,960
3,782,538
337,795
722,680
4,843,013
21.5%
14.2%
16.8%
19.5%
13.3%
16.2%
20.3%
13.1%
15.6%
44.7%
32.9%
33.1%
12.5%
5.2%
10.7%
24,395
4,561
18,750
229
5,759
1,488
2,209
538
364
676
6,048
52
31,421
20.5%
13.4%
16.0%
68,873
16,310
13,173
98,356
80.0%
56.3%
56.0%
23,540
856
3,697
2,062
364
174
676
676
52
22,051
229
52
28,329
3,092
15
Shock Details
Pre-Shock Position
Credit Shocks
C-1
C-2
C-3
C-4
C-5
C-6
C-7
C-8
C-9
C-10
C-11
Nature of Shock
Hypothetical
Hypothetical
Hypothetical
Hypothetical
Hypothetical
Historical
Historical
Historical
Historical
Historical
Hypothetical
IR-1
IR-2
IR-3
ER-1
ER-2
ER-3
EQ-1
EQ-2
Hypothetical
> 10%
10
26
30
27
33
33
33
33
33
33
33
NPLR
Critical NPLR
Difference
15.1
55.6
40.6
33
33
33
Historical
Historical
Hypothetical
Historical
Historical
Historical
Hypothetical
0% - 10%
Market Shocks
Parallel upward shift in the yield curve - increase in interest rates by 300 basis points along all
the maturities.
Upward shift coupled with steepening of the yield curve by increasing the interest rates along
3m, 6m, 1y, 3y, 5y and 10y maturities equivalent to the maximum quarterly increase
experienced during the last 4 years (July-08).
Downward Shift plus flattening of the yield curve by decreasing the interest rates along 3m, 6m,
1y, 3y, 5y and 10y maturities equivalevent to the maximum quarterly increase experienced
during the last 4 years (April-09).
Depreciation of Pak Rupee exchange rate by 30%.
Depreciation of Pak Rupee exchange rate by 14.5% equivalent to the quarterly high
depreciation of rupee against dollar experienced during the last 4 years (May08-Aug08).
Appreciation of Pak Rupee exchange rate by 3.2% equivalent to the quarterly high level of
appreciation of rupee against dollar experienced during the last 4 years (Oct08-Jan09).
Fall in general equity prices by 41.4% (Oct08-Jan09).
Fall in general equity prices by 50%.
< 0%
33
33
33
0
0
4
4
33
33
< 0%
0% - 10%
> 10%
31
12
24
Historical
Hypothetical
Liquidity Shocks
L-1
Withdrawal of customer deposits by 2%, 5%, 10%, 10% and 10% for five consecutive days
respectively.
Hypothetical
L-2
Withdrawal of Wholesale Deposits and Unsecured Borrowings by 25%, 50%, and 100% for
three consecutive days respectively.
Hypothetical
1 Day
2 Days
3 Days
Shock to Liquidity Coverage Ratio Applying 20% haircut to the value of Investments in
Government Securities*
Hypothetical
29
16
CY10
CY11
Sep-12
* Descheduling of Albaraka Islamic Bank Pakistan Operations and merger into Emirates Global Islamic Bank Ltd. with effect from October 29, 2010.
** Royal Bank of Scotland Ltd. (RBS Pakistan) Amalgamated with and into Faysal Bank Ltd. on December 29, 2010.
***De-scheduling of Atlas Bank Ltd. with effect from the close of business on December 31, 2010, on account of its merger with and into Summit Bank Ltd..
# Name was changed to "Burj Bank Ltd.." vide BPRD notification dated July 09, 2011.
## The name of Oman International Bank S.A.O.G. was changed to HSBC Bank Oman S.A.O.G. with effect from June 03, 2012.
SBP declared Sindh Bank Ltd. as a scheduled bank with effect from December 24, 2010.
^ Descheduling and amalgamation of Mybank Ltd. (MBL) with and into Summit Bank Ltd. with effect from Jun 29, 2011.
Note: Scheduling of Industrial and Commercial Bank of China Ltd. took place vide No. BPRD (LD-06)/602- ICBC/2011/10416 dated August 16, 2011.
17
2. Islamic Banking
18
Table 2.1: Group-wise Balance Sheet and Income Statement of Islamic Banks/Branches
September 30, 2012 (Un-audited)
million Rupees
Financial Position
ASSETS
Cash & Balances With Treasury Banks
Balances With Other Banks
Due from Financial Institutions
Investments - Net
Financing - Net
Operating Fixed Assets
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Due to Financial Institution
Deposits And Other Accounts
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance Lease
Deferred Tax Liabilities
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
Unappropriated Profit
Share Holders' Equity
Surplus/Deficit On Revaluation Of Assets
TOTAL
PROFIT AND LOSS STATEMENT
Mark-Up Income
Mark-Up Expenses
Net Mark-Up
Provisions & Bad Debts Written Off Directly/(Reversals)
Net Mark-Up After Provision
Fees, Commission & Brokerage Income
Dividend Income
Income From Dealing In Foreign Currencies
Other Income
Total Non - Markup
Administrative Expenses
Other Expenses
Total Non-Markup
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items -- Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX
Islamic Banks
26,622
15,955
13,569
8,996
15,027
4,901
233,295
140,686
123,884
72,990
11,188
4,996
2,732
45,490
21,443
471,805
269,966
6,977
1,931
9,371
10,927
402,698
225,162
0
75
13,202
10,376
432,248
248,470
39,558
21,495
37,635
9,348
1,414
19
(672)
10,792
38,376
20,160
1,181
1,336
39,558
21,495
Islamic Banks Islamic Banking Branches
32,223
18,536
13,688
1,505
12,183
1,208
451
632
1,286
3,577
15,760
11,565
302
11,868
3,892
3,892
1,376
2,517
18,776
10,928
7,848
(62)
7,910
1,053
99
127
432
1,710
9,620
5,605
207
5,812
3,809
3,809
72
3,737
Islamic Banking
42,576
22,564
19,927
373,981
196,874
16,184
2,732
66,933
741,771
8,908
20,298
627,860
0
75
23,578
680,718
61,053
46,983
1,432
10,120
58,536
2,517
61,053
Islamic Banking
51,000
29,464
21,536
1,443
20,093
2,261
550
759
1,718
5,287
25,380
17,171
509
17,680
7,701
7,701
1,447
6,253
Absolute change
QoQ
YoY
(3,555)
5,843
2,106
(418)
759
(8,544)
28,302
137,629
39
19,323
228
1,722
(90)
77
2,817
17,727
30,606
173,359
1,045
2,398
2,246
(469)
25,339
164,795
(1)
(8)
73
35
(183)
(378)
28,521
166,372
2,085
6,987
625
1,819
170
854
(551)
3,516
244
6,189
1,841
798
2,085
6,987
Absolute change
YoY
8,222
5,810
2,412
(278)
2,690
545
(307)
(127)
955
1,065
3,755
3,673
333
4,006
(251)
(251)
57
(308)
19
Sep-10 Dec-10
Mar-11
Jun-11 Sep-11
18.5
18.4
11.4
18.2
18.1
11.4
17.2
17.1
10.4
17.3
16.9
10.3
16.8
16.3
9.7
17.0
16.5
9.5
18.7
18.2
9.2
19.1
18.4
9.5
18.0
17.2
8.7
17.3
16.6
8.9
18.1
17.4
8.3
17.4
16.7
8.2
6.3
3.1
51.7
7.3
3.8
50.0
6.5
2.8
58.8
8.4
4.1
54.1
7.3
3.2
58.6
8.0
3.4
58.7
7.5
3.2
60.0
8.4
3.3
62.4
7.6
2.9
63.0
8.4
3.3
62.5
8.8
3.8
59.5
9.0
3.5
63.7
0.7
0.6
5.9
4.6
79.4
20.6
70.3
0.9
0.8
7.7
7.0
81.1
18.9
70.2
0.9
0.8
8.2
6.9
80.7
19.3
71.8
0.6
0.6
5.5
5.3
80.0
20.0
73.9
0.6
0.6
5.9
5.2
78.5
21.5
72.6
1.8
1.4
18.3
15.0
80.8
19.2
62.3
2.0
1.6
20.7
16.5
82.6
17.4
60.9
2.0
1.7
21.3
17.6
81.9
18.1
58.6
1.9
1.6
20.8
17.3
82.4
17.6
60.4
1.9
1.6
21.1
17.8
79.7
20.3
62.3
1.8
1.4
20.6
16.6
80.2
19.8
64.7
1.5
1.2
17.6
14.3
80.3
19.7
65.9
54.3
53.9
47.8
45.2
46.2
45.1
41.7
38.3
38.4
36.7
32.7
31.4
20
21
22
CY07
CY08
CY09
CY10
Sep-11
CY11
Mar-12
Jun-12
Sep-12
Absolute change
QoQ
YoY
637
12,508
19,864
41,389
33,392
2,969
545
5,029
116,332
701
10,905
8,245
38,536
36,673
2,918
790
4,522
103,290
1,716
6,713
12,085
62,102
41,416
3,098
1,277
3,786
132,193
1,897
603
2,439
69,929
47,035
2,926
1,068
6,147
132,045
51,664
11,868
38
564
4,552
68,686
47,646
43,838
5,881
36
4,841
54,595
48,695
51,522
18,074
30
2
5,814
75,442
56,751
31,993
11,159
1,522
44,673
2,973
47,646
42,750
11,610
(5,008)
49,352
(657)
48,695
47,269
7,250
342
54,860
1,891
56,751
1,740
2,866
8,720
64,115
45,234
2,974
1,098
5,500
132,248
50,306
15,856
15
637
6,757
73,571
58,677
48,343
7,272
2,116
57,732
945
58,677
2,341
1,423
2,909
81,379
46,547
2,930
1,193
5,103
143,825
64,885
12,074
19
669
6,899
84,546
59,279
48,409
7,454
2,513
58,375
904
59,279
1,838
835
4,263
84,858
46,678
2,970
1,207
5,403
148,052
64,314
14,853
17
755
7,623
87,562
60,490
48,627
5,905
4,389
58,922
1,568
60,490
481
2,522
3,172
88,005
46,737
2,960
1,219
5,572
150,669
67,693
14,081
14
719
7,537
90,045
60,624
48,627
6,018
4,776
59,421
1,203
60,624
421
2,691
1,710
92,511
47,588
2,947
1,154
5,297
154,319
68,876
14,571
12
934
7,975
92,367
61,952
48,627
6,111
5,532
60,271
1,681
61,952
(60)
168
(1,462)
4,505
851
(13)
(64)
(275)
3,650
1,183
490
(2)
215
437
2,322
1,328
94
757
850
478
1,328
CY07
CY08
CY09
CY10
Sep-11
CY11
Mar-12
Jun-12
Sep-12
10,350
5,873
4,478
6,159
(1,681)
123
669
560
6,412
7,763
6,082
2,413
2,022
4,435
1,647
(48)
1,696
886
810
12,592
6,720
5,872
3,133
2,739
191
423
20
844
1,479
4,217
2,647
62
2,709
1,508
(25)
1,533
630
904
13,942
7,318
6,625
1,238
5,386
148
484
(483)
1,194
1,343
6,729
2,977
166
3,144
3,586
3,586
1,690
1,896
7,315
4,538
2,777
2,863
(86)
79
391
(45)
3,010
3,434
3,349
2,330
102
2,432
917
22
895
1,020
(125)
49,898
14,258
11
16
7,745
71,928
60,116
48,409
7,032
3,039
58,481
1,636
60,116
11,018
5,940
5,078
614
4,464
108
701
24
187
1,019
5,483
2,175
859
3,034
2,449
2,449
1,225
1,225
15,202
8,030
7,172
941
6,231
124
854
(160)
534
1,352
7,583
3,102
1,905
5,007
2,576
2,576
1,690
886
3,658
2,175
1,483
(27)
1,510
15
168
15
288
486
1,996
706
11
717
1,279
1,279
386
893
7,501
4,463
3,038
(129)
3,167
56
223
73
593
945
4,112
1,547
18
1,565
2,547
2,547
754
1,793
11,271
6,714
4,557
230
4,327
70
700
81
1,126
1,978
6,305
2,324
206
2,529
3,775
3,775
1,096
2,679
(1,476)
2,087
(729)
22,581
553
21
86
(850)
22,274
18,977
313
1
918
230
20,439
1,835
218
(921)
2,493
1,790
45
1,835
Change
YoY
253
774
(521)
(384)
(137)
(37)
(0)
58
938
958
821
149
(653)
(504)
1,326
1,326
(129)
1,454
23
CY09
CY10
Sep-11
CY11
Mar-12 Jun-12
Percent
Sep-12
Capital
Total Capital to Total RWA
Tier 1 Capital to Total RWA
Capital to Total Assets
43.7
44.0
41.0
53.4
53.3
47.1
52.5
52.4
42.9
56.1
56.5
44.4
59.5
59.6
45.5
56.9
57.4
41.2
56.5
57.2
40.9
57.1
57.5
40.2
56.0
56.3
40.1
20.8
4.6
81.6
3.2
27.0
11.2
65.9
8.4
27.1
10.1
69.8
7.4
29.9
59.4
14.8
11.4
28.6
13.5
61.2
10.6
29.3
59.4
14.4
11.3
29.6
58.6
14.8
11.4
32.3
52.9
18.3
14.1
32.5
52.7
18.6
14.3
0.8
-0.1
2.2
-0.3
44.7
39.1
1.5
0.7
3.4
1.6
34.8
22.7
1.3
0.8
2.9
1.7
79.9
36.9
2.7
1.4
6.2
3.3
83.1
39.5
2.4
1.2
5.5
2.7
83.3
49.8
1.9
0.6
4.4
1.5
84.1
58.7
3.5
2.4
8.5
5.9
75.3
36.4
3.4
2.4
8.4
5.9
76.3
39.3
3.4
2.4
8.3
5.9
69.7
38.7
281.4
29.3
287.3
622.9
31.2
547.3
229.2
35.9
262.4
285.3
32.6
271.6
329.9
34.3
317.6
385.5
40.3
480.6
314.3
41.2
410.9
331.9
42.3
453.0
326.6
42.9
453.9
Asset Quality
NPLs to Total Loans
Net NPLs to Net Loans
Provision to NPLs
Net NPLs to Capital
Earnings
ROA before Tax
ROA after Tax
ROE before Tax
ROE after Tax
Net Interest Income to Gross Income
Operating Expense to Gross Income
Liquidity
Loans to Deposits
Liquid Assets/Total Assets
Liquid Assets/Total Deposits
24
25