Historic FSA 2007-15

FINANCIAL STATEMENT ANALYSIS OF
FINANCIAL SECTOR
2007-2011
Financial Statement Analysis of Financial Sector
All Banks - Overall

Items
2007
2008
A.Total equity (A1 to A3)
435,990,804
505,469,823
1.Share capital/head office capital account
231,530,188
277,045,918
2.Reserves
118,940,698
148,257,246
85,519,918
80,166,659
108,613,011
62,957,129
4,626,769,389
5,074,573,572
82,075,093
69,530,488
452,050,150
460,028,229
3,854,364,311
4,226,432,569
3.Un appropriated profit

4.Others
B.Total liabilities (B1 to B4)
1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities
238,279,835
318,582,286
C.Total assets (C1 to C4 + C8 to C10)
5,171,373,204
5,643,000,524
1.Cash and balances with treasury banks
469,267,797
477,615,770
2.Balances with other banks
147,510,726
184,087,341
3.Lending to financial institutions
190,577,446
188,414,080
4.Investments
1,275,225,750
1,085,196,330
5.Gross advances
2,842,331,732
3,417,406,346
204,625,366
313,020,509
6.Advances-non-performing/classified
7.Provision against advances
159,434,804
237,965,887
2,682,896,928
3,179,440,459
9.Fixed assets
168,544,767
191,279,879
10.Other/misc. assets
237,349,790
336,966,665
1.Markup/interest earned
383,579,497
482,070,799
2.Markup/interest expenses
183,686,714
246,295,314
3.Net markup/interest income
199,892,786
235,775,485
8.Advances net of provision (C5 - C7)
D.Profit & loss account
4.Provisions and write-offs
61,165,329
104,266,763
141,321,995
130,344,598
92,849,866
103,289,492
7.Non-markup/interest expenses
125,859,144
166,010,509
8.Administrative expenses
123,286,772
160,702,985
9.Profit/(loss) before taxation
107,153,118
63,261,197
10.Profit/(loss) after taxation
77,935,097
43,415,974
418,781,554
1,849,272
5.Net markup/interest income after provisions

6.Non-markup/interest income
E.Other items
1.Cash generated from operating activities
2.Commitments and contigencies
3,205,635,962
2,565,591,273
52.11%
48.91%
3.87%
4.18%
3.Return on equity (ROE) (D10/A)
17.88%
8.59%
4.Return on assets (ROA) (D10/C)
1.51%
0.77%
F.Efficiency ratios/profitability ratios

1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
5.Non-markup/interest income to total assets (D6/C)
0.02
1.83%
6.Net markup/interest income(after provisions) to total asse
2.73%
2.31%
7.Markup/interest expense to markup/interest income (D2/D
47.89%
51.09%
1.15
2.54
9.Non-markup/interest expense to total income D7/(D1+D6)
26.42%
28.36%
10.Admin. expense to non-markup/interest income(D8/D6)(t
1.33
1.56
1.Cash & cash equivalent to total assets (C1+C2)/C
11.93%
11.73%
2.Investment to total assets (C4/C)
24.66%
19.23%
3.Advances net of provisions to total assets (C8/C)
51.88%
56.34%
4.Deposits to total assets (B3/C)
74.53%
0.75
5.Total liabilities to total assets (B/C)
89.47%
89.93%
6.Gross advances to deposits (C5/B3)
73.74%
80.86%
0.66
72.92%
0.07
9.16%
8.Admin. expesne to profit before tax. (D8/D9)(times)
G.Liquidity ratios
7.Gross advances to borrowing & deposits C5/(B2+B3)

H.Assets quality ratios
1.Non-performing loans to gross advances (C6/C5)
2.Provision against NPLs to gross advances (C7/C5)
5.61%
6.96%
3.NPLs to total equity (C6/A)
46.93%
61.93%
4.NPLs write off to NPLs provision (D4/C7)
38.36%
43.82%
5.Provision against NPL to NPLs (C7/C6)
77.92%
76.02%
8.43%
8.96%
2.Commitments & contingencies to total equity (E2/A) (times
7.35
5.08
3.Total deposit to total equity (B3/A) (times)
8.84
8.36
5.37
0.04
I.Capital /leverage ratios

1.Capital ratio (A/C)
J.Cash flow ratio

1.Cash generated from operating activities to profit after tax
27
Local Banks - Overall

Items
2007
2008
416,570,840
470,965,547
1.Share capital
214,444,697
244,915,598
2.Reserves
118,940,698
148,181,461

4.Others
B.Total liabilities(B1 to B4)
1.Bills payable
83,185,445
77,868,488
108,672,209
63,489,982
4,473,437,078
4,873,983,320
78,328,193
65,107,084
432,584,922
442,681,300
3,737,263,105
4,078,494,404
225,260,858
287,700,532
4,998,680,127
5,408,438,849
445,344,022
442,680,478
142,213,130
165,718,117
174,168,615
158,500,096
4.Investments
1,248,798,605
1,062,603,406
5.Gross advances
2,751,665,342
3,312,965,635
203,448,143
309,884,247
157,223,346
235,446,658
2,594,441,996
3,077,518,977
9.Fixed assets
166,577,174
187,582,375
227,136,585
313,835,400
368,333,275
463,838,210
2.Markup/interest expensed
175,541,831
237,196,646
192,791,447
226,641,564
8.Advances net of provision (C5-C7)
58,426,217
99,698,545
136,959,768
125,735,437
87,927,505
97,517,397
119,082,194
155,635,765
117,431,866
150,384,735
104,645,480
63,254,685
76,175,349
42,765,351

E.Other items
1.No. of ordinary shares
21,413,538
24,452,483
2.Cash dividend
N/A
N/A
3.Stock dividend/bonus shares
N/A
N/A
419,615,976
(30,881,293)
2,692,648,071
2,165,108,445
52.34%
48.86%
3.86%
4.19%
18.29%
9.08%
1.52%
0.79%
1.76%
0.02
6.Net markup/interest income(after prov.) to total assets(D5
2.74%
2.32%

47.66%
51.14%
8.Admin. expense to profit before tax. (D8/D9) (times)
1.12
2.38
0.26
27.72%
10.Admin. expense to non-markup/interest income (D8/D6)
1.34
1.54
11.Earning per share (D10/E1)
3.56
1.75
11.75%
11.25%
24.98%
19.65%
0.52
0.57
74.76%
75.41%
89.49%
90.12%
73.63%
81.23%
7.Gross advances to borrowing & deposit C5/(B2+B3)
65.99%
73.28%
1.Non-performing loan to gross advances (C6/C5)
7.39%
9.35%
2.Provisions against NPLs to gross advances (C7/C5)
5.71%
7.11%
3.NPLs to shareholders equity (C6/A)
48.84%
0.66
4.NPLs write off to NPLs provisions (D4/C7)
37.16%
42.34%
77.28%
75.98%
8.33%
8.71%
G.Liquidity ratios

3.Break up value per share (A/E1)
6.46
4.60
19.45
19.26
8.97
8.66
5.51
-0.72
J.Cash flow ratio

1.Cash generated from opration activities to profit after tax
28
Public Sector Banks - Overall

Items
2007
2008
90,977,453
93,237,138
1.Share capital
16,671,332
18,544,359
2.Reserves
24,729,769
29,033,178
49,576,352
45,659,601
4.Others
51,320,469
18,749,454
893,595,159
930,323,564
8,541,822
11,663,371
30,071,917
53,675,530
812,969,640
819,683,051

1.Bills payable
42,011,780
45,301,612
1,035,893,081
1,042,310,156
111,258,061
119,322,457
43,513,302
44,286,770
28,017,600
20,394,708
4.Investments
296,355,059
204,784,000
5.Gross advances
526,923,813
629,389,241
44,053,993
102,628,919
39,203,981
68,723,074
487,719,832
560,666,167
9.Fixed assets
29,537,449
28,051,915
39,491,778
64,804,139
71,174,301
82,390,735
32,896,942
42,609,185
38,277,359
39,781,550
7,287,953
30,489,527

30,989,906
9,292,023
19,795,675
21,028,786
17,563,511
23,756,378
17,311,928
21,993,798
33,235,659
6,564,431
23,856,716
5,642,453
1,667,133
1,854,436
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
117,131,331
(45,155,885)
453,678,543
294,175,142
53.78%
48.28%
0.04
3.82%
26.22%
6.05%

0.02
0.54%
1.91%
2.02%
2.99%
0.89%
46.22%
51.72%
0.52
3.35
19.31%
22.97%
0.87
1.05
14.31
3.04
14.94%
0.16
28.61%
19.65%
47.08%
53.79%
78.48%
78.64%
86.26%
89.26%
64.81%
76.78%

G.Liquidity ratios
0.63
72.07%
8.36%
16.31%
7.44%
10.92%
48.42%
110.07%
18.59%
44.37%
88.99%
66.96%
8.78%
8.95%
4.99
3.16
54.57
50.28
8.94
8.79
4.91
-8.00

J.Cash flow ratio
29
FIRST WOMEN BANK LIMITED

Items
2007
2008
1,028,116
1,135,800
1.Share capital
283,650
283,650
2.Reserves
207,336
228,540
537,130
623,610
60,128
(32,767)
7,897,332
6,200,688
193,321
101,993
21,543
27,140
7,682,468
5,939,308
4.Others
1.Bills payable
132,247
8,985,576
7,303,721
809,657
575,929
384,792
400,761
1,245,000
350,849
4.Investments
3,159,640
2,264,088
5.Gross advances
3,129,582
3,409,842
85,282
105,512
66,075
105,512
3,063,507
3,304,330
9.Fixed assets
148,686
174,833
174,294
232,931

685,346
736,103
171,694
212,601
513,652
523,502
18,065
50,153
495,587
473,349

82,485
90,343
339,650
373,249
332,517
367,798
238,422
190,443
157,887
106,020
28,365
28,365
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
214,391
(930,303)
198,418
202,048
74.95%
71.12%
5.72%
7.17%
15.36%
9.33%
1.76%
1.45%
0.92%
1.24%
5.52%
6.48%
25.05%
28.88%
1.39
1.93
44.23%
45.16%
4.03
4.07
5.57
3.74
13.29%
13.37%
35.16%
0.31
34.09%
45.24%
0.86
81.32%
87.89%
0.85
40.74%
57.41%
40.62%
57.15%
2.73%
3.09%
2.11%
3.09%
8.29%
9.29%
27.34%
47.53%
77.48%
1.00
11.44%
15.55%

G.Liquidity ratios


0.19
0.18
36.25
40.04
7.47
5.23
1.36
-8.77
J.Cash flow ratio

30
NATIONAL BANK OF PAKISTAN

Items
2007
2008
69,270,631
81,367,002
8,154,319
8,969,751
2.Reserves
15,772,124
19,941,047
45,344,188
52,456,204
4.Others
47,067,023
21,092,216
645,855,939
715,299,108
7,061,902
10,219,061

1.Share capital

1.Bills payable
10,886,063
40,458,926
591,907,435
624,939,016
36,000,539
39,682,105
762,193,593
817,758,326
94,873,249
106,503,756
37,472,832
38,344,608
21,464,600
17,128,032
4.Investments
210,787,868
170,822,491
5.Gross advances

375,090,202
457,828,029
38,317,552
56,502,583
34,413,102
44,841,164
340,677,100
412,986,865
9.Fixed assets
25,922,979
24,217,655
30,994,965
47,754,919
50,569,481
60,942,798
16,940,011
23,884,768
33,629,470
37,058,030
4,722,735
10,970,814
28,906,735
26,087,216
13,544,845
16,415,862
14,391,079
19,502,080
14,205,911
18,171,198

28,060,501
23,000,998
19,033,773
15,458,590
815,432
896,975
2.Cash dividend
0.75
0.65
0.10
0.20
E.Other items

78,804,419
2,532,681
385,849,667
241,861,468
0.67
60.81%

4.41%
4.53%
27.48%
0.19
0.03
1.89%
1.78%
2.01%
3.79%
3.19%
0.34
39.19%
0.51
0.79
22.45%
25.21%


1.05
1.11
23.34
17.23
17.36%
17.71%
27.66%
20.89%
0.45
0.51
77.66%
76.42%
84.74%
87.47%
63.37%
73.26%
62.23%
68.81%
10.22%
12.34%

G.Liquidity ratios

9.17%
9.79%
55.32%
69.44%
13.72%
24.47%
89.81%
79.36%
9.09%
9.95%
5.57
2.97
84.95
90.71
8.54
7.68
4.14
0.16

J.Cash flow ratio
31
Financial Statement Analysis o
SINDH BANK LTD.
(Thousand Rupees)
Items
2010
1.Share capital
2.Reserves
4.Others
1.Bills payable
4.Investments
5.Gross advances
9.Fixed assets

E.Other items
2.Cash dividend
2011
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
G.Liquidity ratios


2.Commitments & contingencies to total equity (E5/A) (times)
J.Cash flow ratio

1.Cash generated from opration activities to profit after tax (E4/D10) (times)
32
THE BANK OF KHYBER

Items
2007
2008
5,568,253
5,677,816
1.Share capital
4,002,984
4,002,984
2.Reserves
1,323,077
1,436,359
242,192
238,473
4.Others
307,977
(996,600)
23,863,487
26,657,773
348,952
122,516
1,321,396
910,691
21,410,828
24,732,195

1.Bills payable
782,311
892,371
29,739,717
31,338,989
1,364,853
1,557,715
3,728,016
3,362,946
2,858,000
2,282,494
4.Investments
8,945,856
8,985,441
12,174,026
14,925,119
2,301,268
3,331,487
5.Gross advances
2,088,386
2,281,305
10,085,640
12,643,814
213,025
187,589
2,544,327
2,318,990
2,380,380
2,958,865
1,845,360
1,897,816
535,020
1,061,049

9.Fixed assets

659,384
238,593
(124,364)
822,456
745,552
339,755
543,763
956,315
522,723
654,869
91,014
205,896
219,437
137,348
E.Other items
400,298
400,298
2.Cash dividend
0.00
0.25
0.00
0.00
(2,390,426)
1,626,745
4,641,163
5,208,484
22.48%
35.86%
0.02
3.39%
3.94%
2.42%
0.74%
0.44%
2.51%
1.08%
-0.42%
2.62%

77.52%
64.14%
5.74
3.18
0.17
28.99%
0.70
1.93
0.55
0.34
17.12%
0.16
30.08%
28.67%
33.91%
40.35%
71.99%
78.92%
80.24%
85.06%
56.86%
60.35%
53.55%
0.58
0.19
22.32%
17.15%
15.29%
41.33%
58.68%
31.57%
10.46%
90.75%
68.48%
18.72%
18.12%
G.Liquidity ratios


0.83
0.92
13.91
14.18
3.85
4.36
-10.89
11.84
J.Cash flow ratio

33
THE BANK OF PUNJAB

Items
2007
2008
15,110,453
5,056,520
1.Share capital
4,230,379
5,287,974
2.Reserves
7,427,232
7,427,232
3,452,842
(7,658,686)
4.Others
3,885,341
(1,313,395)
215,978,401
182,165,995
937,647
1,219,801
17,842,915
12,278,773
191,968,909
164,072,532

1.Bills payable
5,228,930
4,594,889
234,974,195
185,909,120
14,210,302
10,685,057
1,927,662
2,178,455
2,450,000
633,333
4.Investments
73,461,695
22,711,980
136,530,003
153,226,251
3,349,891
42,689,337
2,636,418
21,495,093
5.Gross advances
133,893,585
131,731,158
9.Fixed assets
3,252,759
3,471,838
5,778,192
14,497,299
17,539,094
17,752,969
13,939,877
16,614,000
3,599,217
1,138,969
1,887,769
19,229,967
1,711,948
(18,090,998)
5,422,793
4,182,826
2,289,019
2,924,734
2,250,777
2,799,933
4,845,722
(16,832,906)
4,445,619
(10,059,505)
423,038
528,797
2.Cash dividend
0.00
0.00
0.35 -
E.Other items
40,502,947
(48,385,008)
62,989,295
46,903,142
20.52%
6.42%
1.53%
0.61%
29.42%
-198.94%
1.89%
-5.41%
2.31%
2.25%
0.73%
-9.73%
79.48%
93.58%

0.46
-0.17
9.97%
13.33%
0.42
0.67
10.51
-19.02
6.87%
6.92%
31.26%
12.22%

G.Liquidity ratios
56.98%
70.86%
0.82
88.25%
91.92%
97.99%
71.12%
93.39%
65.07%
86.89%
2.45%
27.86%
1.93%
14.03%
22.17%
844.24%
0.72
89.46%
0.79
50.35%
6.43%
2.72%
4.17
9.28

35.72
9.56
12.70
32.45
9.11
4.81
J.Cash flow ratio

34
Private Sector Banks - Overall

Items
2007
2008
335,558,244
385,359,458
1.Share capital
182,923,895
210,865,136
2.Reserves
92,324,287
116,709,912
60,310,062
57,784,410
4.Others
54,306,190
41,246,518
3,445,854,766
3,809,313,808

1.Bills payable
69,288,789
52,687,992
315,173,884
305,687,636
2,909,973,436
3,244,927,861
151,418,657
206,010,319
3,835,719,200
4,235,919,784
330,722,925
320,517,786
80,978,851
103,115,398
144,267,071
137,405,388

4.Investments
5.Gross advances
936,617,336
845,773,291
2,129,767,639
2,582,387,596
128,088,718
184,544,581
95,687,146
145,648,689
2,034,080,493
2,436,738,907
9.Fixed assets
133,328,851
154,423,798
175,723,673
237,945,216

287,468,766
370,761,372
137,649,901
189,477,389
149,818,868
181,283,983
46,568,286
67,875,442
104,770,698
113,412,163

61,874,183
70,125,358
95,778,014
125,060,096
94,277,551
122,545,992
69,834,448
52,529,021
51,435,338
34,800,231
18,314,321
21,086,511
E.Other items
2.Cash dividend
N/A
N/A

N/A
N/A
297,933,704
16,415,664
2,228,515,711
1,847,899,393

52.12%
0.49
3.91%
4.28%
15.33%
9.03%
1.34%
0.82%
1.61%
1.66%
2.73%
2.68%
47.88%
0.51
1.35
2.33
27.42%
28.37%
1.52
1.75
2.81
1.65
G.Liquidity ratios
10.73%
0.10
24.42%
19.97%
53.03%
57.53%
75.87%
76.61%
89.84%
89.93%
73.19%
79.58%
66.04%
72.73%
6.01%
7.15%
4.49%
5.64%
38.17%
47.89%
48.67%
0.47
0.75
78.92%
8.75%
0.09


6.64
4.80
18.32
18.28
8.67
8.42
5.79
0.47
J.Cash flow ratio

35
ALBARAKA BANK (PAKISTAN) LIMITED

Items
2007
2008
2,811,700
4,051,584
1.Share capital
3,000,000
4,500,000
(188,300)
(448,416)
4.Others
1,007,855
17,255
5,121,920
12,468,548
99,753
148,403
2.Reserves
1.Bills payable
68,908
725,000
4,552,909
10,892,602
400,350
702,543
8,941,475
16,537,387
991,301
909,378
419,737
195,134
1,350,000
320,000
4.Investments
2,275,123
2,756,159
5.Gross advances

2,623,663
7,788,664
2,138
13,537
2,138
11,181
2,621,525
7,777,483
9.Fixed assets
953,864
1,619,029
329,925
2,960,204
381,172
1,060,376
125,011
598,062
256,161
462,314
8,032
1,811
248,129
464,125


63,763
95,111
395,546
950,599
395,539
949,634
(83,654)
(391,363)
(57,499)
(260,116)
300,000
450,000
2.Cash dividend
0.00
0.00
0.00
0.00
E.Other items
2,457,242
406,132
4,297,712
3,064,151
0.67
0.44

2.86%
0.03
-2.04%
-6.42%
-0.64%
-1.57%
0.71%
0.58%
2.78%
2.81%
0.33
0.56
-4.73
-2.43
0.89
82.27%

6.20
9.98
-0.19
-0.58
15.78%
6.68%
25.44%
16.67%
29.32%
47.03%
50.92%
65.87%
57.28%
0.75
57.63%
0.72
56.77%
67.04%
0.08%
0.17%
0.08%
0.14%
0.08%
0.33%
375.68%
0.16
1.00
0.83
31.45%
0.25
1.53
0.76
9.37
9.00
1.62
2.69
-42.74
-1.56

G.Liquidity ratios

J.Cash flow ratio

36
ALLIED BANK LIMITED

Items
2007
2008
18,408,391
20,805,117
1.Share capital
5,386,370
6,463,644
2.Reserves
6,050,713
5,804,776
6,971,308
8,536,697
4.Others
1,469,851
1,550,497
300,231,481
344,340,055
3,494,384
2,952,490
22,933,656
27,778,151
263,972,382
297,475,321
9,831,059
16,134,093
320,109,723
366,695,669
29,739,857
23,653,754

1.Bills payable
668,449
2,096,779
18,419,241
15,793,183
4.Investments
83,958,463
82,646,595
178,524,257
223,639,777
11,354,923
13,771,895
10,116,977
10,667,769
168,407,280
212,972,008
7,548,628
11,134,436
11,367,805
18,398,914
21,201,422
30,570,540
10,019,004
17,272,724
5.Gross advances

9.Fixed assets
11,182,418
13,297,816
2,714,842
3,156,001
8,467,576
10,141,815
3,920,099
4,896,915
6,434,599
8,917,790
6,018,346
8,121,805
5,953,076
6,120,940
4,076,158
4,156,686
538,637
646,364
2.Cash dividend
0.15
0.25
0.20
0.10
E.Other items

46,349,828
563,633
117,080,646
126,060,778
52.74%
0.44
3.49%
3.63%
22.14%
19.98%
1.27%
1.13%
1.22%
1.34%
2.65%
2.77%
47.26%
0.57
1.01
1.33
25.61%
25.14%
1.54
1.66
7.57
6.43
0.10
7.02%
26.23%
22.54%
52.61%
58.08%
82.46%
81.12%
93.79%
0.94
67.63%
75.18%
62.22%
68.76%
6.36%
6.16%
5.67%
4.77%
61.68%
66.19%
26.83%
29.58%
0.89
77.46%
5.75%
5.67%
6.36
6.06
34.18
32.19
14.34
14.30
11.37
0.14
G.Liquidity ratios

J.Cash flow ratio

37
ASKARI BANK LIMITED

Items
2007
2008
12,099,645
12,034,895
1.Share capital
3,006,499
4,058,774
2.Reserves
6,948,336
7,667,141

4.Others
1.Bills payable
2,144,810
308,980
166,342
936,468
169,905,898
193,219,775
2,627,051
2,584,828
17,553,525
15,190,148
143,036,707
167,676,572
6,688,615
7,768,227
182,171,885
206,191,138
13,356,055
16,029,635
3,497,054
3,954,814

14,444,143
4,479,754
4.Investments
39,431,005
35,677,755
108,188,767
139,830,973
6,907,591
11,689,417
5.Gross advances
7,408,605
11,012,731
100,780,162
128,818,242
9.Fixed assets
5,128,428
8,266,458
5,535,038
8,964,480
15,143,241
18,393,313
8,685,624
10,650,719
6,457,617
7,742,594
3,921,741
4,072,597
2,535,876
3,669,997
4,565,496
2,707,000
4,801,587
5,915,615
4,789,536
5,904,169
2,299,785
461,382
2,681,012
386,225

E.Other items
300,650
405,877
2.Cash dividend
0.15
0.00
0.35
0.25
8,370,382
2,596,563
145,064,726
202,238,722
42.64%
42.09%
3.54%
3.76%
22.16%
3.21%
1.47%
0.19%
2.51%
1.31%
1.39%
1.78%
57.36%
57.91%
2.08
12.80
24.36%
28.04%


1.05
2.18
8.92
0.95
9.25%
9.69%
21.64%
0.17
55.32%
62.48%
78.52%
81.32%
93.27%
93.71%
75.64%
83.39%
67.37%
76.47%
6.38%
8.36%
6.85%
7.88%
57.09%
97.13%
G.Liquidity ratios

52.93%
36.98%
107.25%
94.21%
6.64%
5.84%
11.99
16.80
40.24
29.65
11.82
13.93
3.12
6.72

J.Cash flow ratio

38
BANK AL-HABIB LIMITED

Items
2007
2008
8,013,757
9,967,204
1.Share capital
3,681,068
4,785,388
2.Reserves
2,527,949
3,062,830
1,804,740
2,118,986
311,561
1,665,205
4.Others
132,908,956
165,690,582
1.Bills payable
2,394,482
2,232,334
9,826,525
12,369,743
114,818,855
144,389,563

5,869,094
6,698,942
141,234,274
177,322,991
13,766,500
11,936,275

604,742
3,621,152
4,112,429
295,396
4.Investments
35,287,080
48,234,497
5.Gross advances
79,446,698
101,402,372
216,628
862,550
222,318
1,205,376
79,224,380
100,196,996
9.Fixed assets
5,786,287
9,166,020
2,452,856
3,872,655
9,945,872
14,586,841
5,764,757
8,004,294
4,181,115
6,582,547
93,266
1,149,345
4,087,849
5,433,202
2,130,824
2,416,304
3,166,446
4,374,426
3,166,045
4,306,759
3,052,227
3,578,532
2,211,333
2,425,016
368,107
478,538
2.Cash dividend
0.15
0.13
0.30
0.28
20,066,569
16,856,703
61,774,447
59,797,421
42.04%
45.13%
2.96%
3.71%
27.59%
24.33%
1.57%
1.37%
1.51%
1.36%
2.89%
3.06%
57.96%
54.87%
E.Other items

1.04
1.20
26.22%
25.73%
1.49
1.78
6.01
5.07
10.18%
8.77%
24.98%
0.27
G.Liquidity ratios
56.09%
56.51%
0.81
81.43%
94.11%
93.44%
69.19%
70.23%
63.74%
64.69%
0.27%
0.85%
0.28%
1.19%
0.03
8.65%
41.95%
95.35%
102.63%
139.75%
5.67%
5.62%
7.71
6.00
21.77
20.83
14.33
14.49
9.07
6.95

J.Cash flow ratio

39
BANK ALFALAH LIMITED

Items
2007
2008
13,766,673
14,608,523
1.Share capital
6,500,000
7,995,000
2.Reserves
2,414,833
3,166,056
4,851,840
3,447,467
4.Others
2,453,171
2,436,216
312,675,308
331,946,025

1.Bills payable
4,138,243
3,452,031
21,230,697
13,690,222
273,173,841
300,732,858
14,132,527
14,070,914
328,895,152
348,990,764
29,436,378
32,687,335
18,380,738
21,581,043
3,452,059
3,315,500

4.Investments
88,491,564
75,973,238
175,678,810
197,931,671
4,705,085
4,479,818
6,140,683
171,198,992
191,790,988
11,922,324
13,773,293
6,013,097
9,869,367
5.Gross advances

9.Fixed assets

25,783,871
30,966,638
16,620,963
20,494,355
9,162,908
10,472,283
2,376,711
3,543,357
6,786,197
6,928,926
6,038,466
4,822,924
8,289,111
9,957,130
8,272,587
9,805,790
4,535,552
1,794,720
3,130,229
1,301,301
650,000
799,500
0.15
0.50
E.Other items
2.Cash dividend
0.30
0.13
39,645,325
2,499,606
124,896,380
121,702,262
35.54%
33.82%
2.79%
0.03
22.74%
8.91%
0.95%
0.37%
1.84%
1.38%
2.06%
1.99%
64.46%
66.18%
1.82
5.46
26.05%
27.82%
1.37
2.03
4.82
1.63
14.54%
15.55%
26.91%
21.77%
52.05%
54.96%
83.06%
86.17%
95.07%
95.12%
64.31%
65.82%
59.67%
62.95%
2.68%
0.00
2.55%
0.03
34.18%
0.00
53.05%
0.58
95.21% -

G.Liquidity ratios

4.19%
4.19%
9.07
8.33
21.18
18.27
19.84
20.59
12.67
1.92
J.Cash flow ratio

40
BANKISLAMI PAKISTAN LIMITED

Items
2007
2008
3,154,623
5,181,372
1.Share capital
3,200,000
5,279,679
(45,377)
(98,307)
4.Others
690,103
10,449
10,602,747
13,896,779
84,998
353,646
2.Reserves

1.Bills payable
70,000
245,939
9,934,282
12,477,955
513,467
819,239
14,447,473
19,088,600
1,433,166
2,175,413
2,577,491
2,207,490
625,037
40,351
4.Investments
3,864,027
5,019,525
5.Gross advances

3,992,240
6,687,460
78,371
186,093
29,373
159,929
3,962,867
6,527,531
9.Fixed assets
1,093,324
1,910,648
891,561
1,207,642
602,060
1,468,688
303,842
729,528
298,218
739,160
28,372
130,556
269,846
608,604
140,281
196,139
510,590
229,152
491,172
1,028,232
(100,463)
(229,152)
(37,023)
(52,930)
320,000
527,968
2.Cash dividend
0.00
0.23
0.00
0.00
5,921,777
1,109,403
6,541,611
1,751,914
49.53%
50.33%
E.Other items

2.06%
3.87%
-1.17%
-1.02%
-0.26%
-0.28%
0.97%
1.03%

1.87%
3.19%
50.47%
49.67%
-4.89
-4.49
68.78%
13.76%

3.50
5.24
-0.12
-0.10
27.76%
22.96%
26.75%
0.26
27.43%
0.34
68.76%
65.37%
73.39%
0.73
40.19%
53.59%
39.91%
52.56%
1.96%
2.78%
0.74%
2.39%
2.48%
3.59%
96.59%
81.63%
37.48%
85.94%
21.84%
27.14%
2.07
0.34
9.86
9.81
3.15
2.41
-159.95
-20.96

G.Liquidity ratios

J.Cash flow ratio

41
BURJ BANK LIMITED

Items
2007
2008
3,652,231
4,085,091
1.Share capital
3,601,200
4,001,333
2.Reserves
10,206
16,751
40,825
67,007
4.Others
13,657
(10,281)
3,184,646
5,406,327
80,243
20,138
50,704
2,888,762
5,063,393
215,641
272,092
6,850,534
9,481,137
380,381
418,948
187,747
255,703
725,022
250,040
4.Investments
1,318,657
2,045,146
5.Gross advances
3,725,609
5,645,609

1.Bills payable
50,000
1,857
5,732
3,723,752
5,639,877
9.Fixed assets
299,404
417,364
215,571
454,059
249,763
855,374
57,906
403,500
191,857
451,874
1,857
3,875
190,000
447,999
8,838
494,273
166,579
434,161
165,999
433,996
32,259
60,111
51,031
32,727
360,120
400,133
2.Cash dividend
0.00
0.00
0.00
0.00


E.Other items

(1,296,457)
660,132
674,467
2,217,021

76.82%
52.83%
0.03
4.77%
0.01
0.01
0.74%
0.35%
0.13%
5.21%
2.77%
4.73%
23.18%
47.17%
5.15
7.22
64.42%
32.17%
18.78
0.88
0.14
0.08
8.29%
7.12%
19.25%
21.57%
54.36%
59.49%
42.17%
0.53
46.49%
57.02%
128.97%
1.12
128.97%
110.39%
0.00
0.89%
0.05%
0.00
0.00
1.22%
1.00
0.68

G.Liquidity ratios

11.46%

53.31%
43.09%
0.18
0.54
10.14
10.21
0.79
1.24
-25.41
20.17
J.Cash flow ratio

42
DUBAI ISLAMIC BANK PAKISTAN LIMITED

Items
2007
2008
4,345,532
5,055,260
1.Share capital
5,126,230
6,017,780
2.Reserves

4.Others
1.Bills payable
(780,698)
(962,520)
9,807
10,867
16,952,908
26,983,946
347,521
283,188
383
16,114,461
25,458,910
490,543
1,241,848
21,308,247
32,050,073
1,992,425
2,691,572
1,410,884
3,273,878

4.Investments
5.Gross advances
1,329,832
2,974,087
3,019,266
11,347,979
18,330,344
25,665
286,024
100,766
256,843
11,247,213
18,073,501
9.Fixed assets
1,459,578
1,740,923
2,224,060
1,921,101
1,119,716
2,723,796
469,302
1,377,542
650,414
1,346,254
100,766
156,077
549,648
1,190,177
336,410
335,552
1,453,906
271,806
1,411,526
1,791,282
(567,848)
(271,806)
(369,196)
(181,822)

E.Other items
434,553
601,778
2.Cash dividend
0.00
0.00
0.00
0.00
2,848,560
2,523,494
11,012,116
21,322,168
58.09%
49.43%
3.05%
0.04

-0.09
-0.04
-1.73%
-0.57%
1.58%
1.05%
2.58%
3.71%
41.91%
50.57%
-2.49
-6.59
99.85%
8.88%

4.20
5.34
-0.85
-0.30
15.97%
18.61%
13.96%
9.42%
52.78%
56.39%
75.63%
79.43%
79.56%
84.19%
70.42%
0.72
70.42%
0.72
0.23%
1.56%
0.89%
0.01
0.59%
5.66%

G.Liquidity ratios

1.00
60.77%
392.62%
0.90
20.39%
15.77%

2.53
4.22
10.00
8.40
3.71
5.04
-7.72
-13.88
J.Cash flow ratio

43
FAYSAL BANK LIMITED

Items
2007
2008
10,345,146
10,135,987
1.Share capital
5,296,445
5,296,445
2.Reserves
3,567,033
3,790,023
1,481,668
1,049,519
4.Others
5,811,357
636,121
125,120,918
127,469,378
1.Bills payable
2,406,927
1,536,517
9,995,855
13,027,468
102,067,422
102,776,793

10,650,714
10,128,600
141,277,421
138,241,486
6,872,032
8,927,524
3,708,451
876,780
7,078,102
2,861,401
4.Investments
31,553,108
36,152,537
5.Gross advances
91,016,278
88,620,641
4,753,415
7,446,481
3,669,877
5,108,573
87,346,401
83,512,068
9.Fixed assets
2,514,959
2,646,978
2,204,368
3,264,198

11,610,781
13,404,132
7,459,392
8,454,755
4,151,389
4,949,377
2,079,044
2,047,362
2,072,345
2,902,015
3,441,145
5,212,608
2,815,663
1,796,537
2,799,747
3,257,843
2,697,827
1,796,537
2,272,108
1,114,952
529,644
529,645
2.Cash dividend
0.25
0.15
0.25
0.00
7,262,087
1,882,246
50,562,981
51,941,751
35.75%
36.92%
2.94%
3.58%
21.96%
0.11
1.61%
0.81%
2.44%
3.77%
1.47%
0.02
64.25%
63.08%
E.Other items

1.04
1.81
18.71%
9.65%
0.81
0.62
4.29
2.11
7.49%
7.09%
22.33%
26.15%
61.83%
60.41%
72.25%
74.35%
88.56%
92.21%
89.17%
86.23%
G.Liquidity ratios
81.22%
76.53%

5.22%
0.08
4.03%
5.76%
45.95%
73.47%
56.65%
40.08%
77.21%
0.69
7.32%
7.33%
4.89
5.12
19.53
19.14
9.87
10.14
3.20
1.69

J.Cash flow ratio
44
HABIB BANK LIMITED

Items
2007
2008
50,741,564
61,290,814
6,900,000
7,590,000
2.Reserves
18,628,584
22,882,318
25,212,980
30,818,496
7,202,391
3,753,597
597,894,901
652,237,599

1.Share capital
4.Others
1.Bills payable
15,379,440
9,781,077
52,218,228
44,022,676
508,986,541
572,399,187

21,310,692
26,034,659
655,838,856
717,282,010
55,361,813
56,359,367
19,558,051
32,720,391
1,628,130
6,193,787
4.Investments
171,932,281
127,786,754
5.Gross advances
380,751,226
460,244,672
24,588,571
36,086,044
18,490,698
24,536,012
362,260,528
435,708,660
9.Fixed assets
13,582,240
33,490,506
31,515,813
25,022,545

48,342,047
61,157,813
18,001,496
25,523,572
30,340,551
35,634,241
8,020,766
9,295,235
22,319,785
26,339,006

7,971,990
10,336,517
17,164,773
20,820,329
17,355,732
20,253,578
13,127,002
5,855,194
8,041,416
10,000,980
690,000
759,000
0.40
0.55
E.Other items
2.Cash dividend
0.10
0.20
14,210,526
(21,380,958)
352,277,094
296,820,275
62.76%
58.27%
4.63%
4.97%
15.85%
16.32%
1.23%
1.39%

1.22%
1.44%
0.03
3.67%
37.24%
41.73%
1.32
3.46
30.48%
29.12%
2.18
1.96
11.65
13.18
11.42%
12.42%
26.22%
17.82%
55.24%
60.74%
77.61%
0.80
91.16%
90.93%
74.81%
80.41%
67.85%
74.66%
6.46%
7.84%
4.86%
5.33%
48.46%
58.88%
43.38%
37.88%
0.75
67.99%
7.74%
8.54%

G.Liquidity ratios

6.94
4.84
73.54
80.75
10.03
9.34
1.77
-2.14
J.Cash flow ratio

45
HABIB METROPOLITAN BANK LIMITED

Items
2007
2008
13,462,244
16,149,648
1.Share capital
5,018,350
6,022,020
2.Reserves
6,383,936
7,039,936
2,059,958
3,087,692
55,948
(1,144,998)
159,348,809
167,706,203
3,210,041
2,372,146
4.Others
1.Bills payable
29,991,633
30,372,598
121,066,469
128,432,616
5,080,666
6,528,843
172,867,001
182,710,853

10,201,545
11,401,384
3,691,183
2,974,237
3,989,249
98,176
4.Investments
61,735,796
53,631,532
5.Gross advances
91,044,061
110,391,364
804,247
1,747,599
1,217,255
2,130,105
89,826,806
108,261,259
9.Fixed assets
1,294,486
1,583,360
2,127,936
4,760,905
11,983,551
15,870,172
8,259,184
10,919,922
3,724,367
4,950,250
442,160
1,249,820
3,282,207
3,700,430
3,175,706
3,928,506
2,254,015
3,233,784
2,253,559
3,086,634

4,203,898
4,740,110
2,797,006
3,277,377
501,835
602,202
2.Cash dividend
0.10
0.00
0.09
0.25
19,073,676
(6,265,387)
97,951,953
80,361,851
31.08%
31.19%
E.Other items

2.15%
2.71%
20.78%
20.29%
1.62%
1.79%
1.84%
2.15%
0.02
2.03%
68.92%
68.81%
0.54
0.65
14.87%
16.33%
0.71
0.79
5.57
5.44
8.04%
7.87%
35.71%
29.35%
51.96%
59.25%
70.03%
70.29%
92.18%
91.79%
G.Liquidity ratios
0.75
85.95%
60.27%
69.51%
0.88%
1.58%
1.34%
1.93%
5.97%
10.82%
36.32%
58.67%
151.35%
121.89%
7.79%
8.84%
7.28
4.98
26.83
26.82
8.99
7.95
6.82
-1.91


J.Cash flow ratio
46
JS BANK LIMITED
Items
2007
2008
5,141,351
5,784,628
1.Share capital
5,106,337
5,694,844
7,086
18,040
27,928
71,744
2.Reserves
4.Others
52,456
(508,791)
15,133,945
16,351,965
1.Bills payable
727,179
127,922
481,147
537,655
13,679,898
15,294,273
245,721
392,115
20,327,752
21,627,802
977,235
1,285,247

254,079
672,271
3,601,211
1,405,210
4.Investments
6,109,536
5,138,709
5.Gross advances
6,593,635
9,810,093
143,604
455,504
117,672
129,644
6,475,963
9,680,449
491,736
2,496,883
2,417,992
949,033
1,130,383
1,975,203
864,300
1,361,738
266,083
613,465
9,727
11,218
256,356
602,247
418,340
492,345
736,917
983,367
736,263
982,624
97,625
111,225
35,431
54,770
510,634
569,484
2.Cash dividend
0.00
0.20
0.00
0.00

9.Fixed assets
E.Other items
(660,884)
403,176
3,853,683
1,260,563
23.54%
31.06%
1.31%
2.84%
0.69%
0.95%
0.17%
0.25%
2.06%
2.28%
1.26%
2.78%
76.46%
68.94%
7.54
8.83
47.58%
39.85%
1.76
2.00
0.07
0.10
6.06%
9.05%
30.06%
23.76%
G.Liquidity ratios
31.86%
44.76%
0.67
70.72%
74.45%
75.61%
0.48
64.14%
46.56%
61.96%
2.18%
4.64%
1.78%
1.32%
2.79%
7.87%
8.27%
8.65%
81.94%
28.46%
25.29%
26.75%
0.75
0.22
10.07
10.16
2.66
2.64
-18.65
7.36


J.Cash flow ratio
47
KASB BANK LIMITED

Items
2007
2008
3,250,768
3,191,389
1.Share capital
3,106,978
4,014,890
151,287
151,287
2.Reserves

4.Others
1.Bills payable
(7,497)
(974,788)
1,033,224
6,008,118
36,606,580
42,599,591
879,152
217,520
1,745,807
6,300,622
33,131,773
35,087,477
849,848
993,972
40,890,572
51,799,098
3,001,895
1,507,632
807,555
59,093

1,766,398
556,455
4.Investments
7,277,875
9,454,149
26,046,768
35,164,850
1,069,872
7,354,408
5.Gross advances
903,615
2,924,654
25,143,153
32,240,196
9.Fixed assets
1,094,748
2,909,213
1,798,948
5,072,360
2,917,344
4,861,400
2,285,381
4,448,440
631,963
412,960
212,976
2,223,938
418,987
(1,810,978)
821,479
615,591
1,174,904
1,787,364
1,153,736
1,759,032
65,562
(1,849,199)
197,693
(972,969)
E.Other items
310,698
401,489
2.Cash dividend
0.00
0.00
0.00
0.00
1,200,499
(3,436,371)
10,375,250
14,966,219
21.66%
8.49%
1.55%
0.01
6.08%
-30.49%
0.48%
-1.88%
2.01%
1.19%
1.02%
-0.04
78.34%
91.51%
17.60
-0.95
31.42%
32.63%


1.40
2.86
0.64
-2.42
9.32%
3.02%
0.18
18.25%
61.49%
62.24%
81.03%
67.74%
89.52%
82.24%
78.62%
100.22%
74.68%
84.96%
4.11%
20.91%
3.47%
8.32%
32.91%
230.45%
23.57%
76.04%
84.46%
39.77%
7.95%
6.16%
G.Liquidity ratios

3.19
4.69
10.46
7.95
10.19
10.99
6.07
3.53
J.Cash flow ratio

48
MCB BANK LIMITED

Items
1.Share capital
2007
2008
45,414,156
52,244,865
6,282,768
6,282,768
34,000,638
36,768,765
5,130,750
9,193,332
4.Others
9,705,519
6,191,189
2.Reserves
355,365,842
385,179,850
1.Bills payable
10,479,058
10,551,468
39,406,831
22,663,840
292,098,066
330,181,624

13,381,887
21,782,918
410,485,517
443,615,904
39,683,883
39,631,172
3,807,519
4,043,100
1,051,372
4,100,079
4.Investments
113,089,261
96,631,874
5.Gross advances
229,732,772
272,847,325
10,725,308
56,462
10,772,174
10,711,855
218,960,598
262,135,470
9.Fixed assets
16,024,123
17,263,733
17,868,761
19,810,476
31,786,595
40,043,824
7,865,533
11,560,740
23,921,062
28,483,084
3,065,051
4,019,121

20,856,011
24,463,963
6,011,291
5,791,440
5,559,267
8,387,837
5,022,416
7,546,878
21,308,035
21,867,566
15,265,562
15,374,600
628,277
628,276
2.Cash dividend
0.13
1.15
0.00
0.10
61,899,299
2,031,538
213,317,107
392,959,678
75.26%
71.13%
5.83%
6.42%
33.61%
29.43%
3.72%
3.47%
1.46%
1.31%
5.08%
5.51%
24.74%
28.87%
E.Other items

0.24
0.35
14.71%
0.18
0.84
1.30
24.30
24.47
0.11
9.85%
27.55%
21.78%
53.34%
59.09%
71.16%
74.43%
86.57%
86.83%
78.65%
82.64%

G.Liquidity ratios
0.69
77.33%
4.67%
0.02%
4.69%
3.93%
23.62%
0.11%
28.45%
37.52%
100.44%
189.72
11.06%
11.78%
4.70
7.52
72.28
83.16
6.43
6.32
4.05
0.13

J.Cash flow ratio
49
MEEZAN BANK LIMITED

Items
2007
2008
5,719,910
6,341,097
1.Share capital
3,779,897
4,925,961
2.Reserves
720,785
845,022
1,219,228
570,114
(13,254)
(366,119)
61,471,903
79,301,092
1.Bills payable
1,192,160
1,057,017
2,415,606
4,008,496
54,582,353
70,233,875

4.Others

3,281,784
4,001,704
67,178,559
85,276,070
5,644,028
5,763,710
3,729,549
1,344,974
8,850,000
18,108,000
4.Investments
10,535,186
14,526,699
5.Gross advances
35,249,612
40,626,920
553,339
3,649,163
673,273
1,098,189
34,576,339
39,528,731
9.Fixed assets
1,032,963
1,880,515
2,810,494
4,123,441

4,573,752
6,803,213
2,451,968
3,088,334
2,121,784
3,714,879
435,896
717,320
1,685,888
2,997,559
1,347,893
707,908
1,764,593
2,713,156
1,755,761
2,626,606
1,269,188
992,311
963,501
621,187
377,990
492,596
0.00
0.00
E.Other items
2.Cash dividend
0.20
0.09
7,465,000
3,320,190
56,113,028
56,411,095

46.39%
0.55
3.16%
4.36%
16.84%
0.10
1.43%
0.73%
2.01%
0.83%
2.51%
3.52%
53.61%
0.45
1.38
2.65
0.30
36.12%
1.30
3.71
2.55
1.26
G.Liquidity ratios
13.95%
8.34%
15.68%
17.03%
51.47%
46.35%
81.25%
82.36%
91.51%
92.99%
64.58%
57.85%
61.84%
54.72%
1.57%
8.98%
1.91%
0.03
9.67%
57.55%
64.74%
65.32%
121.67%
30.09%
8.51%
7.44%


9.81
8.90
15.13
12.87
9.54
11.08
7.75
5.34
J.Cash flow ratio

50
NIB BANK LIMITED

Items
2007
2008
22,594,386
29,006,672
1.Share capital
22,017,968
28,437,271
719,810
8,326,684
2.Reserves
4.Others
1.Bills payable
(143,392)
(7,757,283)
13,997,648
10,691,836
140,061,370
139,210,607
2,110,211
1,432,084
16,669,412
23,651,366
116,671,219
104,586,167
4,610,528
9,540,990
176,653,404
178,909,115

10,318,722
9,355,104
1,401,796
793,843
4,753,113
12,459,621
4.Investments
40,498,840
35,176,823
5.Gross advances
92,586,336
97,322,481
13,252,316
16,715,515
10,426,262
16,978,288
82,160,074
80,344,193
9.Fixed assets
30,800,135
3,702,426
6,720,724
37,077,105
6,999,888
15,201,691
4,995,955
10,799,816
2,003,933
4,401,875
1,494,801
9,657,400
509,132
(5,255,525)

598,771
2,421,876
2,006,961
8,164,241
2,002,159
6,433,122
(571,207)
(1,099,789)
(350,557)
(7,474,679)
2,201,797
2,843,727
2.Cash dividend
0.00
0.42
0.00
0.00
E.Other items

7,989,545
21,302,169
55,864,113
93,144,827
28.63%
28.96%

1.13%
2.46%
-1.55%
-25.77%
0.00
-4.18%
0.34%
1.35%
0.29%
-2.94%
71.37%
71.04%
-3.51
-5.85
26.41%
46.33%

3.34
2.66
-0.16
-2.63
6.63%
5.67%
22.93%
19.66%
46.51%
44.91%
66.05%
58.46%
79.29%
77.81%
79.36%
93.05%
69.44%
75.89%
14.31%
17.18%
11.26%
17.45%
58.65%
57.63%
14.34%
56.88%
78.68%
101.57%
12.79%
16.21%
2.47
3.21
10.26
10.20
5.16
3.61
-22.79
-2.85

G.Liquidity ratios


J.Cash flow ratio
51
SAMBA BANK LIMITED

Items
2007
2008
6,218,641
5,476,330
1.Share capital
8,769,517
8,769,517
43,080
43,080
(2,593,956)
(3,336,267)
2.Reserves
4.Others
(16,483)
(14,176)
14,453,144
11,025,182
1,056,878
55,349
182,611
437,949
12,644,938
9,859,537
568,717
672,347
20,655,302
16,487,336
1,003,611
774,575

1.Bills payable
63,348
331,201
8,565,836
2,313,308
4.Investments
3,947,925
3,829,354
5.Gross advances
7,105,438
8,605,889
2,410,997
1,961,143
2,412,325
2,442,881
4,693,113
6,163,008
854,292
1,157,689
1,527,177
1,918,201
1,182,921
1,758,004
837,869
1,071,307
345,052
686,697
924,777
312,528
(579,725)
374,169
128,432
125,429
921,386
1,511,039
891,889
1,461,077
(1,372,679)
(1,011,441)
(1,322,892)
(742,311)
876,952
876,952
2.Cash dividend
0.00
0.00
0.00
0.00
9.Fixed assets
E.Other items

(3,934,986)
4,073,848
2,089,651
30,569,856
29.17%
39.06%
1.67%
4.16%
-21.27%
-13.55%
-0.06
-0.05
0.62%
0.76%
-2.81%
2.27%
70.83%
60.94%
-0.65
-1.44
70.26%
80.23%
6.94
11.65
-1.51
-0.85
5.17%
6.71%
19.11%
23.23%
22.72%
37.38%
61.22%
0.60
69.97%
66.87%
56.19%
87.28%
55.39%
83.57%
33.93%
22.79%
33.95%
28.39%
38.77%
35.81%
38.34%
12.79%
100.06%
124.56%


G.Liquidity ratios

30.11%
33.22%
0.34
5.58
7.09
6.24
2.03
1.80
2.97
-5.49
J.Cash flow ratio

52
SILKBANK LIMITED
Items
2007
2008
1,100,769
3,089,997
1.Share capital
5,001,750
9,003,150
218,556
218,556
2.Reserves

4.Others
1.Bills payable
(4,119,537)
(6,131,709)
1,079,670
1,301,363
51,480,161
51,253,908
570,756
431,537
6,880,449
8,738,616
42,373,710
41,056,630
1,655,246
1,027,125
53,660,600
55,645,268
3,223,780
3,070,067
128,991
190,197

839,959
1,376,651
4.Investments
17,859,169
12,012,233
5.Gross advances
31,415,818
38,187,392
6,136,018
12,845,225
5,540,846
7,100,019
25,874,972
31,087,373
9.Fixed assets
2,367,883
3,002,450
3,365,846
4,906,297
4,799,853
4,588,299
4,440,116
4,218,901
359,737
369,398

3,132,444
1,642,093
(2,772,707)
(1,272,695)
776,825
384,510
1,324,383
1,946,070
1,270,317
1,935,732
(3,320,265)
(2,834,255)
(3,040,907)
(2,014,268)
E.Other items
500,175
900,315
2.Cash dividend
0.00
0.80
0.00
0.00
(2,009,657)
(7,387,980)
15,144,301
13,208,986
7.49%
8.05%
0.67%
0.66%
-276.25%
-65.19%
-5.67%
-3.62%
1.45%
0.69%
-5.17%
-2.29%
92.51%
91.95%
-0.38
-0.68
23.75%
39.13%


1.64
5.03
-6.08
-2.24
6.25%
5.86%
33.28%
21.59%
48.22%
55.87%
78.97%
73.78%
95.94%
92.11%
74.14%
93.01%
63.78%
76.69%
19.53%
33.64%
17.64%
18.59%
557.43%
4.16
56.53%
23.13%
0.90
55.27%
2.05%
5.55%
13.76
4.27
2.20
3.43
38.49
13.29
0.66
3.67

G.Liquidity ratios

J.Cash flow ratio
53
SONERI BANK LIMITED

Items
2007
2008
6,229,666
6,965,749
1.Share capital
4,114,222
4,114,222
2.Reserves
1,876,669
2,016,877
238,775
834,650
4.Others
380,813
147,298
70,243,581
73,864,207
1.Bills payable
1,640,514
1,254,496
5,865,471
8,441,454
60,150,128
61,634,491

2,587,468
2,533,766
76,854,060
80,977,254
5,861,205
5,646,755
4,349,673
3,908,859
3,175,009
3,990,269
4.Investments
19,181,562
14,053,177
5.Gross advances
40,805,224
49,464,962
1,277,490
5,002,417
650,775
1,889,598
40,154,449
47,575,364
9.Fixed assets
2,150,955
3,126,857
1,981,207
2,675,973
6,271,636
7,822,941
4,334,358
4,878,347
1,937,281
2,944,594
234,815
1,265,942
1,702,466
1,678,652
1,067,664
1,226,206
1,293,445
1,951,625
1,278,974
1,673,590
1,476,685
953,233
1,000,334
701,041
411,422
411,422
2.Cash dividend
0.00
0.00
0.20
0.22
892,813
4,500,148
44,250,847
30,104,153
30.89%
37.64%
2.52%
3.64%
16.06%
10.06%
E.Other items

0.01
0.87%
1.39%
1.51%
2.22%
2.07%
69.11%
62.36%
0.87
1.76
17.62%
21.57%
1.20
1.36
2.43
1.70
13.29%
0.12
24.96%
17.35%
52.25%
58.75%
78.27%
76.11%
0.91
91.22%
67.84%
80.26%
G.Liquidity ratios
61.81%
70.59%
3.13%
10.11%
1.59%
3.82%
20.51%
71.81%
36.08%
0.67
50.94%
37.77%
8.11%
0.09
7.10
4.32
15.14
16.93
9.66
8.85
0.89
6.42

J.Cash flow ratio
54
STANDARD CHARTERED BANK (PAKISTAN) LIMITED

Items
2007
2008
43,340,575
44,010,120
1.Share capital
38,715,850
38,715,850
2.Reserves
1,653,044
1,812,492
2,971,681
3,481,778
4.Others
(274,265)
(1,252,980)
212,478,904
221,860,038
1.Bills payable
6,637,388
4,296,420
6,616,065
8,695,730
177,161,630
174,551,801

22,063,821
34,316,087
255,545,214
264,617,178
26,295,860
22,741,035
1,628,280
1,261,582
15,225,935
31,466,898

4.Investments
40,696,466
29,586,663
131,085,549
137,716,271
10,493,345
16,534,389
11,548,534
12,114,806
119,537,015
125,601,465
3,734,139
3,886,275
48,427,519
50,073,260
5.Gross advances

9.Fixed assets

22,530,080
23,307,442
6,338,119
6,888,900
16,191,961
16,418,542
6,052,957
9,316,038
10,139,004
7,102,504
6,112,711
6,611,470
12,160,481
12,620,994
12,081,963
12,424,711
4,091,234
1,092,980
2,764,069
677,132
3,971,585
3,871,585
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
9,247,515
(12,894,580)
183,669,089
121,947,090

71.87%
70.44%
6.34%
0.06
6.38%
1.54%
1.08%
0.26%
2.39%
0.03
3.97%
2.68%
28.13%
29.56%
2.95
11.37
42.46%
42.18%
1.98
1.88
0.70
0.17
G.Liquidity ratios
10.93%
9.07%
15.93%
11.18%
46.78%
47.47%
69.33%
65.96%
83.15%
83.84%
73.99%
0.79
71.33%
75.15%

0.08
12.01%
8.81%
0.09
24.21%
37.57%
52.41%
0.77
110.06%
73.27%
16.96%
16.63%


4.24
2.77
10.91
11.37
4.09
3.97
3.35
-19.04
J.Cash flow ratio

55
SUMMIT BANK LIMITED

Items
2007
2008
6,324,139
6,132,731
1.Share capital
4,500,000
5,000,000
2.Reserves
1,631,395
1,314,828
192,744
(182,097)
4.Others
(22,563)
(312,611)
11,819,210
18,982,697
384,179
75,963

1.Bills payable
1,748,603
1,869,940
9,464,785
16,616,466
221,643
420,328
18,120,786
24,802,817
753,845
1,349,649
52,551
65,580
2,855,582
200,000
4.Investments
5,408,425
5,094,613
5.Gross advances
8,157,709
16,510,341
128,461
751,663
128,461
751,663
8,029,248
15,758,678

9.Fixed assets
597,515
927,882
423,620
1,406,415
617,854
2,471,982
252,338
1,585,875
365,516
886,107
623,202
365,516
262,905
345,904
166,780
384,502
776,959
383,529
774,742
326,918
(347,274)
230,165
(191,408)
450,000
500,000
2.Cash dividend
0.00
0.00
0.00
0.00
E.Other items

768,996
1,156,154
2,387,362
25,857,630
59.16%
35.85%

2.02%
3.57%
3.64%
-3.12%
1.27%
-0.77%
1.91%
0.67%
2.02%
1.06%
40.84%
64.15%
1.17
-2.23
0.40
29.44%
1.11
4.65
0.51
-0.38
4.45%
5.71%
29.85%
20.54%
44.31%
63.54%
52.23%
66.99%
65.22%
76.53%
86.19%
99.36%
72.75%
89.31%
1.57%
4.55%
1.57%
4.55%
2.03%
12.26%
0.00
82.91%
1.00
1.00
0.35
24.73%
0.38
4.22
14.05
12.27
1.50
2.71
3.34
-6.04
G.Liquidity ratios

J.Cash flow ratio
56
UNITED BANK LIMITED

Items
2007
2008
34,009,411
45,076,576
8,093,750
10,117,188
2.Reserves
10,261,958
17,256,061
15,653,703
17,703,327

1.Share capital
4.Others
8,411,993
4,319,088
487,862,552
571,311,725
6,079,341
5,210,870
59,103,350
44,749,690
401,637,816
492,267,898
21,042,045
29,083,267
530,283,956
620,707,389
57,526,451
50,143,570

1.Bills payable
4,191,128
14,540,306
24,781,723
22,805,341
4.Investments
115,585,646
115,057,090
5.Gross advances
294,725,035
397,736,446
22,012,411
28,552,722
1,352,028
19,791,080
293,373,007
377,945,366
9.Fixed assets
16,918,844
19,926,915
17,907,157
20,288,801
41,045,543
52,763,249
16,936,187
24,247,281
24,109,356
28,515,968
6,422,046
7,753,688
17,687,310
20,762,280
8,992,351
11,199,152
13,674,688
17,780,935
13,420,977
16,679,968
13,004,973
14,052,051
12,429,853
8,445,251
809,375
1,011,718
2.Cash dividend
0.30
0.25
0.25
0.10

E.Other items

49,886,356
1,025,033
423,297,850
48,668,314
58.74%
54.05%
4.55%
4.59%
36.55%
18.74%
2.34%
1.36%
0.02
0.02
3.34%
3.34%
41.26%
45.95%
1.03
1.19
27.33%
0.28
1.49
1.49
15.36
8.35
11.64%
10.42%
0.22
18.54%
55.32%
60.89%
75.74%
79.31%
0.92
92.04%
73.38%
0.81
63.97%
74.06%
7.47%
7.18%
0.46%
4.98%

G.Liquidity ratios

64.72%
63.34%
474.99%
39.18%
6.14%
69.31%

6.41%
7.26%
12.45
1.08
42.02
44.55
11.81
10.92
4.01
0.12
J.Cash flow ratio

57
Specialized Banks - Overall

Items
2007
2008
(9,964,857)
(7,631,049)
1.Share capital
14,849,470
15,506,103
1,886,642
2,438,371
2.Reserves
(26,700,969)
(25,575,523)
3,045,550
3,494,010
133,987,153
134,345,948
497,582
755,721
87,339,121
83,318,134
14,320,029
13,883,492
4.Others
1.Bills payable
31,830,421
36,388,601
127,067,846
130,208,909
3,363,036
2,840,235
17,720,977
18,315,949

1,883,944
700,000
4.Investments
15,826,210
12,046,115
5.Gross advances
94,973,890
101,188,798
31,305,432
22,710,747
22,332,219
21,074,895
72,641,671
80,113,903
3,710,874
5,106,662
11,921,134
11,086,045
9,690,208
10,686,103
4,994,988
5,110,072
4,695,220
5,576,031
4,569,978
1,333,576
1,199,164
3,031,251
6,257,647
6,363,253
5,740,669
6,819,291
5,842,387
5,844,945
1,575,373
4,161,233
883,295
2,322,667
9.Fixed assets
E.Other items
1,432,084
1,511,536
2.Cash dividend
N/A
N/A
N/A
N/A
4,550,941
(2,141,072)
10,453,817
23,033,910
48.45%
52.18%
0.04
4.28%
-8.86%
-30.44%
0.01
1.78%
4.92%
4.89%
0.94%
2.33%

51.55%
47.82%
3.71
1.40
0.36
0.40
0.93
0.92
0.62
1.54
16.59%
16.25%
12.45%
9.25%
57.17%
61.53%
G.Liquidity ratios
11.27%
10.66%
105.45%
103.18%
663.22%
728.84%
93.42%
1.04
32.96%
22.44%
23.51%
20.83%
-314.16%
-297.61%
20.46%
6.33%
71.34%
0.93
-7.84%
-5.86%
-1.05
-3.02
-6.96
-5.05
-1.44
-1.82
5.15
-0.92


J.Cash flow ratio

58
INDUSTRIAL DEV. BANK OF PAKISTAN

Items
2007
2008
(28,071,247)
(27,942,705)
1.Share capital
157,000
157,000
2.Reserves
750,548
750,548
(28,978,795)
(28,850,253)
(48,313)
(252,683)
37,544,275
35,440,978
24,761
29,471
22,681,908
22,542,821
6,110,553
4,637,119
8,727,053
8,231,567
9,424,715
7,245,590
257,632
212,428

4.Others
1.Bills payable
26,918
30,513
1,625,000
600,000
4.Investments
4,705,838
4,036,610
5.Gross advances
7,217,511
6,492,401
5,636,648
6,017,014
6,367,623
1,200,497
124,778
127,711
125,120
1,481,119
2,116,141
552,443
441,814
649,811
616,701
(97,368)
(174,887)
399,436
(605,602)
302,068
(780,489)
114,896
160,487
812,651
793,010
987,141
158,076
(395,687)
173,008
(398,342)
128,542
1,570
1,570
2.Cash dividend
0.00
0.00
0.00
0.00
(528,738)
(549,050)
199,336
139,219
-17.62%
-39.58%
-1.03%
-2.41%
1.42%
-0.46%
9.Fixed assets
E.Other items

-4.23%
1.77%
1.22%
2.21%
3.21%
-10.77%
117.62%
139.58%
-2.49
0.91
121.77%
131.66%
8.59
0.98
-253.72
8.19
3.02%
3.35%
49.93%
55.71%
12.74%
1.72%

G.Liquidity ratios
64.84%
0.64
398.36%
489.14%
118.12%
140.01%
25.07%
23.89%

0.78
0.00
83.37%
98.08%
-20.08%
0.00
6.64%
-9.51%
106.75% -

-297.85%
-385.65%
-0.01
0.00
-17,879.78
-17,797.90
-0.22
-0.17
1.33
-4.27
J.Cash flow ratio

59
SME BANK LTD.

Items
2007
2008
2,889,281
2,356,333
1.Share capital
2,392,507
2,392,507
2.Reserves
199,356
199,356
297,418
(235,530)
4.Others
(80,674)
(401,844)
3,775,151
3,802,521

1.Bills payable
40,441
37,686
1,400,000
1,518,100
1,879,587
1,892,018
455,123
354,717
6,583,758
5,757,010
286,705
200,112
52,980
49,751
258,944
100,000
4.Investments
3,058,130
2,545,053
5.Gross advances
7,762,218
7,942,929
5,706,118
5,496,498
5,643,871
5,416,607

2,118,347
2,526,322
9.Fixed assets
144,589
124,546
664,063
211,226

875,560
774,797
379,956
385,379
495,604
389,418
137,525
11,368
633,129
378,050
40,338
58,647
521,373
568,691
526,464
570,101
41,691
(131,994)
110,403
(532,948)
239,250
239,251
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
(780,948)
550,566
2,479,894
2,550,866

0.57
50.26%
7.53%
6.76%
3.82%
-22.62%
1.68%
-9.26%
0.61%
1.02%
9.62%
6.57%
0.43
49.74%
12.63
-4.32
56.92%
68.23%
13.05
9.72
0.46
-2.23

G.Liquidity ratios
5.16%
4.34%
46.45%
44.21%
32.18%
43.88%
28.55%
32.86%
57.34%
66.05%
412.97%
419.81%
236.68%
232.92%

73.51%
0.69
72.71%
68.19%
197.49%
233.26%
2.44%
0.21%
98.91%
98.55%
43.88%
40.93%


0.86
1.08
12.08
9.85
0.65
0.80
-7.07
-1.03
J.Cash flow ratio

60
THE PUNJAB PROVINCIAL COOPERATIVE BANK LIMITED

Items
2007
2008
934,954
1,066,511
1.Share capital
430,351
434,155
2.Reserves
370,827
402,298

4.Others
1.Bills payable
133,776
230,058
2,489,021
3,654,089
14,232,922
10,113,896
39,654
75,186
12,000,000
8,000,000
2,007,645
1,929,185
185,623
109,525
17,656,897
14,834,496
715,017
695,200
5,586,775
2,230,225
558,009
508,762
5.Gross advances
9,453,735
8,983,220
3,254,376
4,228,634
1,443,914
1,443,914
8,009,821
7,539,306
9.Fixed assets
2,571,139
3,712,774
216,136
148,229
1,228,805
984,869
547,198
618,581
681,607
366,288
375,366
3,551
306,241
362,737
374,777
355,393
550,754
596,544
550,203
596,293

4.Investments
130,264
121,586
129,783
120,416
4,303
4,342
2.Cash dividend
0.00
0.00
0.00
0.00
(939,551)
(3,725,168)
30,198
9,031,919
55.47%
37.19%
E.Other items

3.86%
2.47%
13.88%
11.29%
0.74%
0.81%
2.12%
0.02
1.73%
2.45%
44.53%
62.81%
4.22
4.90
34.35%
44.51%

1.47
1.68
30.16
27.74
35.69%
19.72%
G.Liquidity ratios
3.16%
3.43%
45.36%
50.82%
11.37%
0.13
80.61%
68.18%
470.89%
465.65%
67.49%
90.47%
34.42%
47.07%

15.27%
16.07%
348.08%
396.49%
0.26
0.25%
44.37%
34.15%
0.05
7.19%
0.03
8.47
217.28
245.65
2.15
1.81
-7.24
-30.94


J.Cash flow ratio
61
ZARAI TARAQIATI BANK LTD. (ZTBL)

Items
2007
2008
14,282,155
16,888,812
1.Share capital
11,869,612
12,522,441
565,911
1,086,169
1,846,632
3,280,202
2.Reserves
4.Others
1.Bills payable
685,516
494,448
78,434,805
84,988,553
392,726
613,378
51,257,213
51,257,213
4,322,244
5,425,170
22,462,622
27,692,792
93,402,476
102,371,813
2,103,682
1,732,495
12,054,304
16,005,460
7,504,233
4,955,690
5.Gross advances
70,540,426
77,770,248
16,708,290
12,985,615
9,227,420
7,846,751
61,313,006
69,923,497
867,435
1,144,222
9,559,816
8,610,449
7,033,400
8,484,623
3,418,023
3,489,411
3,615,377
4,995,212
3,657,651
1,924,259
(42,274)
3,070,953
5,727,636
5,788,726
3,855,891
4,861,046
3,778,579
4,520,475
1,799,105
3,998,633
1,041,451
2,606,657
1,186,961
1,252,244
2.Cash dividend
0.00
0.00
0.00
0.00

4.Investments

9.Fixed assets
E.Other items
6,800,178
1,582,580
7,744,389
11,311,906
0.51
58.87%
3.87%
4.88%
7.29%
15.43%
1.12%
2.55%
6.13%
5.65%
-0.05%
0.03
0.49
41.13%
2.10
1.13
30.22%
34.06%
0.66
0.78
0.88
2.08
15.16%
17.33%
8.03%
4.84%
G.Liquidity ratios
65.64%
0.68
4.63%
0.05
83.98%
83.02%
1632.03%
1433.51%
126.92%
1.37
23.69%
0.17
13.08%
10.09%

116.99%
76.89%
39.64%
24.52%
55.23%
60.43%
15.29%
0.17
0.54
0.67
12.03
13.49
0.30
0.32
6.53
0.61

J.Cash flow ratio
62
Foreign Banks - Overall

Items
2007
2008
19,419,964
34,504,276
1.Head office capital account
17,085,491
32,130,320
75,785
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
2,334,473
2,298,171
(59,198)
(532,853)
153,332,311
200,590,252
3,746,900
4,423,404
19,465,228
17,346,929
117,101,206
147,938,165
13,018,977
30,881,754
172,693,077
234,561,675
23,923,775
34,935,292
5,297,596
18,369,224
16,408,831
29,913,984
4.Investments
26,427,145
22,592,924
5.Gross advances
90,666,390
104,440,711
1,177,223
3,136,262
2,211,458
2,519,229
88,454,932
101,921,482
1,967,593
3,697,504
10,213,205
23,131,265
15,246,222
18,232,589
8,144,883
9,098,668
7,101,339
9,133,921
2,739,112
4,568,218
4,362,227
4,609,161
4,922,361
5,772,095
6,776,950
10,374,744
5,854,906
10,318,250
2,507,638
6,512
1,759,748
650,623

9.Fixed assets
E.Other items
(834,422)
32,730,565
512,987,891
400,482,828
46.58%
0.50
4.11%
3.89%
9.06%
1.89%
1.02%
0.28%
2.85%
2.46%
6.Net markup/Interest income (after prov.) to total assets(D5
2.53%
1.97%
7.Markup/interest expense to markup/interest income (D2/D1
53.42%
0.50
8.Admin expense to profit before tax.(D8/D9) (times)
2.33
1584.50
0.34
43.22%
10.Admin. exp. to non-markup/interest income (D8/D6) (time
1.19
1.79
16.92%
22.73%
2.Commitments and contingencies

F.Efficiency ratios/Profitability ratios
G.Liquidity ratios
0.15
9.63%
3.Advances net of provision to total assets (C8/C)
51.22%
43.45%
4.Deposits to total assets ( B3/C)
67.81%
63.07%
88.79%
85.52%
6.Gross advances to deposit (C5/B3)
77.43%
0.71
66.39%
63.19%
0.01
0.03
2.44%
2.41%
6.06%
9.09%
123.86%
181.33%
187.85%
80.33%
11.25%
14.71%
26.42
11.61
6.03
4.29
-0.47
50.31

I.Capital/leverage ratios
J.Cash flow ratio
63
BARCLAYS BANK PLC

Items
2007
2008
6,330,486
7,139,900
2.Reserves
3.Unremitted profit
(809,414)
4.Others
1,507
18,272,040
1.Bills payable
256,590
2,476,155
14,557,453
981,842
24,604,033
1,609,550
392,032
1,485,808
4.Investments
9,332,849
5.Gross advances
9,713,315
33,841
9,679,474
9.Fixed assets
1,381,260
723,060
832,665
335,338
497,327
33,841
463,486
28,515
1,700,415
1,700,315
(1,208,414)
(809,414)
5,675,244
2,475,663
59.73%
2.02%
-12.79%
-3.29%
0.12%
6.Net markup/Interest income (after prov.) to total assets(D5 -
1.88%
7.Markup/interest expense to markup/interest income (D2/D1-
40.27%
E.Other items
-1.41
9.Non-markup/interest expense to total income D7/(D1+D6) -
197.45%
10.Admin. exp. to non-markup/interest income (D8/D6) (time-
59.63
G.Liquidity ratios
8.14%
37.93%
39.34%
59.17%
74.26%
66.72%
57.02%

0.00
0.35%
0.00
1.00
25.73%
2.Commitments & contingencies to total equity (E2/A) (times -
0.39
2.30
1.Cash generated from operating activities to profit after tax -
-7.01
J.Cash flow ratio
64
CITI BANK N. A.
Items
2007
2008
6,379,282
9,507,730
5,443,260
7,742,345
75,785
936,022
1,689,600
2.Reserves
3.Unremitted profit
4.Others
(53,371)
(494,658)
86,142,940
92,638,755
1.Bills payable
2,120,612
1,660,227
5,977,312
3,152,988
68,627,815
65,484,768
9,417,201
22,340,772
92,468,851
101,651,827
7,799,117
10,583,830

192,370
7,358,861
4,530,449
14,166,060
4.Investments
21,276,196
9,194,307
5.Gross advances
50,912,294
43,635,814
1,044,729
1,955,724
1,844,083
1,779,065
49,068,211
41,856,749
9.Fixed assets
1,420,645
1,474,167
8,181,863
17,017,853
10,553,668
9,943,656
5,071,332
4,144,702
5,482,336
5,798,954
2,655,460
4,058,001
2,826,876
1,740,953
3,133,824
3,546,047
4,757,786
5,168,151
4,735,163
5,127,991
1,202,914
118,849

896,449
800,362
E.Other items
(2,780,477)
(1,086,131)
194,203,394
255,409,196
51.95%
58.32%

5.93%
0.06
14.05%
8.42%
0.97%
0.79%
3.39%
3.49%
3.06%
1.71%
48.05%
41.68%
3.94
43.15
34.76%
38.31%
1.51
1.45
8.64%
17.65%
23.01%
9.04%
53.06%
41.18%
74.22%
64.42%
93.16%
91.13%
74.19%
66.64%
68.24%
63.57%
2.05%
4.48%
3.62%
4.08%
16.38%
20.57%
1.44
2.28
176.51%
90.97%

G.Liquidity ratios

0.07
9.35%
30.44
26.86
10.76
6.89
-3.10
-1.36
J.Cash flow ratio

65
DEUTSCHE BANK AG
Items
2007
2008
3,556,772
4,634,445
2,853,853
3,600,702
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
702,919
1,033,743
(3,658)
(232)
14,032,377
17,095,525
625,398
1,683,524
6,971,367
532,521
5,128,591
10,317,214
1,307,021
4,562,266
17,585,491
21,729,738
3,522,250
4,754,734
127,489
1,628,093
4,924,319
5,309,670
4.Investments
3,695,931
999,390
5.Gross advances
4,715,413
6,374,949
312,566
16,162
40,343
4,699,251
6,334,606
9.Fixed assets
107,229
130,225
509,022
2,573,020
679,115
1,041,031
382,592
400,017
296,523
641,014
8,464
48,069

288,059
592,945
1,062,244
1,053,202
574,011
815,012
572,659
813,878
776,292
831,135
504,294
534,135
2,714,933
(266,446)
248,140,110
98,796,853
43.66%
61.57%
1.69%
2.95%
14.18%
11.53%
2.87%
2.46%
6.04%
4.85%
1.64%
2.73%
56.34%
38.43%
0.74
0.98
32.96%
38.92%
E.Other items

0.54
0.77
20.75%
29.37%
21.02%
0.05
26.72%
29.15%
29.16%
47.48%
G.Liquidity ratios
0.80
78.67%
91.94%
61.79%
38.97%
58.76%

0.00
0.05
0.34%
0.63%
0.00
6.74%
52.37%
119.15%
12.91%
20.23%
21.33%
69.77
21.32
1.44
2.23
5.38
-0.50
J.Cash flow ratio

66
HSBC BANK MIDDLE EAST LIMITED

Items
2007
2008
2,549,518
4,962,015
2,078,119
4,339,547
471,399
622,468
(389)
(5,034)
29,837,117
43,916,081
745,760
587,298
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
3,032,738
4,770,659
25,401,388
37,005,085
657,231
1,553,039
32,386,246
48,873,062
4,254,003
7,577,335
793,028
4,266,775
6,754,063
7,354,749


4.Investments
301,193
1,941,950
19,353,303
25,591,220
76,589
223,085
92,989
288,253
19,260,314
25,302,967
9.Fixed assets
308,114
509,574
715,531
1,919,712
2,151,546
4,071,742
1,310,016
2,443,593
841,530
1,628,149
17,443
265,346
824,087
1,362,803
396,379
849,974
994,556
1,952,124
99,470
1,949,088
225,910
260,653
126,045
161,565
(794,179)
6,500,868
52,100,337
29,264,954
39.11%
39.99%
0.03
3.33%
4.94%
3.26%
0.39%
0.33%
1.22%
1.74%
2.54%
2.79%
60.89%
60.01%
0.44
7.48
39.03%
39.66%
0.25
2.29
15.58%
24.23%
5.Gross advances

E.Other items

G.Liquidity ratios
0.93%
3.97%
59.47%
51.77%
78.43%
75.72%
92.13%
89.86%
76.19%
69.16%
68.06%
61.26%
0.00
0.87%
0.48%
1.13%
0.03
0.05
18.76%
92.05%

121.41%
129.21%
7.87%
10.15%
20.44
5.90
9.96
7.46
-6.30
40.24
J.Cash flow ratio
67
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED

Items
2007
2008
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
4.Investments
5.Gross advances
9.Fixed assets
6.Net markup/Interest income (after prov.) to total assets(D5 -
7.Markup/interest expense to markup/interest income (D2/D1-
9.Non-markup/interest expense to total income D7/(D1+D6) -
10.Admin. exp. to non-markup/interest income (D8/D6) (time-
E.Other items
G.Liquidity ratios
J.Cash flow ratio
68
OMAN INTERNATIONAL BANK SAOG.

Items
2007
2008
2,033,623
2,712,141
2,289,217
3,008,999
(255,594)
(296,858)
660,308
729,806
2,754
4,036
178,000
186,406
521,574
479,554
17,790
2,693,931
3,441,947
2,391,751
3,088,841
42,807
38,910
4.Investments
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
5.Gross advances
280,948
315,802
55,905
83,218
60,442
38,713
220,506
277,089

9.Fixed assets
5,646
15,071
33,221
22,036
38,268
40,426

47,636
50,080
(9,368)
(9,654)
40,468
21,729
(49,836)
12,075

4,471
9,549
46,502
62,888
44,273
57,280
(91,867)
(41,264)
(91,867)
(41,264)
(35,503)
21,302,169
85,715
729,519
-24.48%
-23.88%
-0.35%
-0.28%
-4.52%
-1.52%
-3.41%
-0.01
0.17%
0.28%
-1.85%
0.35%
E.Other items

124.48%
123.88%
-0.48
-1.39
1.09
125.84%
9.90
6.00
90.37%
90.87%
G.Liquidity ratios
0.00
0.00
8.19%
8.05%
0.00
15.15%
24.51%
0.21
60.55%
157.84%
44.61%
0.20
26.35%
21.51%
12.26%
2.75%
3.07%
66.95%
56.13%
108.12%
46.52%
75.49%
0.79
0.04
0.27
0.00
0.19
0.39
-516.24

J.Cash flow ratio

69
THE BANK OF TOKYO-MITSUBISHI-UFJ, LIMITED

Items
2007
2008
2,454,236
3,957,242
2,374,857
3,878,698
79,379
78,544
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
3,027,209
6,106,000
20,914
12,559
1,996,400
4,258,351
978,846
1,715,912
31,049
119,178
5,481,445
10,063,242

4.Investments
5.Gross advances
2,475,776
4,072,080
10,550
36,983
200,000
1,597,697
2,621,101
4,092,787
2,621,101
4,092,787
23,262
19,422
150,756
244,273
330,590
538,145
243,394
391,186
87,196
146,959

9.Fixed assets

87,196
146,959
61,290
80,485
68,639
103,346
68,323
97,011
79,847
124,098
79,299
78,396
E.Other items
62,702
202,342
13,545,977
4,958,383
26.38%
27.31%
1.59%
1.46%
3.23%
1.98%
1.45%
0.78%
1.12%
0.01

1.59%
1.46%
73.62%
72.69%
0.86
0.78
17.52%
16.71%
1.11
1.21
45.36%
40.83%
0.00
0.00
47.82%
40.67%
17.86%
17.05%
55.23%
60.68%
267.77%
238.52%
0.88
68.51%
0.00
0.00

G.Liquidity ratios

0.00
0.00
0.00
0.00
44.77%
39.32%
5.52
1.25
0.40
0.43
0.79
2.58
J.Cash flow ratio

70
2011
DEVELOPMENT FINANCE INSTITUTIONS (DFIS)

PERFORMANCE AT A GLANCE
DFIs reflected an increase in their balance sheet size during 2011. Total equity registered a growth of
6.4 percent over the last year. The profit before tax decreased by 29.3 percent, whereas profit after tax
decreased by 64.2 percent during the year.
ANALYSIS OF SHAREHOLDERS EQUITY
Shareholders equity of DFIs increased from Rs
55.4 billion to Rs
58.9
witnessing a growth of Rs 3.6 billion or 6.4
percent over CY10. Total liabilities increased
during CY11. In absolute terms, total assets
substantially increased from Rs 119.0 billion in
CY10 to Rs 130.5 billion in CY11. Similarly,

total liabilities also increased by 18.2 percent in CY11 over CY10.
ANALYSIS OF LIABILITIES
Looking at the liabilities side of DFIs, analysis reveals that major portion has been through borrowings
from financial institutions. Borrowings increased from Rs 40.0 billion in CY10 to Rs. 54.6
Major Components of Liabilities
60
37%
50
40
30
20
10
-24%
0
Borrowlings
Deposits
CY 10
40.0
17.1
CY 11
54.6
12.9
Growth
37%
-24%
billion in CY11, recording an increase of 36.6 percent over CY10, and at the same time the share of
borrowings in total liabilities has also increased. The other major component was deposits which
contributed around 18.2 percent of total liabilities during CY11. Total deposits of DFIs stood at Rs.
12.9 billion, witnessing a decrease of Rs. 4.1 billion in CY11 over CY10.
71
ANALYSIS OF ASSETS
In CY11, total assets stood at Rs 130.5 billion,
100
80
increased by 9.7 percent compared to previous

60
year. The analysis of components of total assets
-26%
40
20
reveals that investment activities of DFIs

0
Cash & Cash
increased while lending to financial institutions
Equlvalent
further decreased during CY11. The amount of
CY 10
4.6
CY 11
3.4
Growth
-26%
lending to financial institutions decreased from

Rs 7.7 billion in CY10 to Rs 2.9 billion in CY11, recording a decrease of around 62.4 percent over
CY10. On the other hand, advances of DFIs increased by 3.8 percent over CY10 however, its share in
total assets decreased from 37.1 percent in CY10 to 35.2 percent in CY11.
Major Components of Advances
NPL Analysis
50.0
40.0
30.0
20.0
20%
10.0
4%
0.0
Adv. Gross
NPL
CY 10
44.2
6.9
CY 11
45.9
8.3
4%
20%
Growth
Non-performing loans
CY11, reflecting an increase of 19.8 percent. NPL to gross advances ratio increased from 15.6 percent
in CY10 to 18.0 percent in CY11.
PROFITABILITY OF DFIS
In terms of profitability, CY11 witnessed decreases both in profit before and after tax. Profit before tax
decreased from Rs. 4.2 billion in CY10 to Rs. 3.0 billion in CY11, showing a decrease of 29.3 percent.
72
Financial Statement Analysi

42.90%
43.80%
45%
5.0
4.2
40%
35%
CY 10
30%
CY 11
25%
20%
15%
10%
4.90%
1.70%
2.30%
5%
0.70%
0%
Spread Ratio
ROE
ROA
Return on assets (ROA) declined from 2.3 percent in CY10 to 0.7 percent in CY11. Return on equity
(ROE) also witnessed a decrease from 4.9 percent in CY10 to 1.7 percent in CY11. Spread ratio of
DFIs slightly increased from 42.9 percent in CY10 to 43.8 percent in CY11. Breakup value decreased
from Rs 15.07 per share in CY10 to Rs 14.96 per share in CY11.
73
DFIs - Overall
Items
2007
2008
34,570,070
46,902,253
1.Share capital
21,991,780
39,748,980
2.Reserves
10,619,579
11,124,218
1,958,711
(3,970,945)
4.Others
2,948,916
(656,553)
53,379,971
38,833,942
39,113,088
30,937,172
11,867,394
5,880,621

1.Bills payable
2,399,489
2,016,149
90,898,957
85,079,642
582,562
650,959
9,187,229
10,252,671

17,648,189
8,056,730
4.Investments
35,485,410
36,071,855
5.Gross advances
24,631,058
27,407,033
2,149,654
4,816,698
7.Provisions against advances
1,885,835
3,698,407
22,745,223
23,708,626
9.Fixed assets
2,692,031
2,690,082
2,558,313
3,648,719
5,683,688
8,483,284
2.markup/interest expensed
4,224,696
4,855,654
8.Advances net of provisions (C5-C7)

1,458,993
3,627,630
648,463
6,171,391
810,529
(1,804,158)
3,666,464
7,621,120
1,030,265
3,308,278
934,573
1,196,516
2,981,056
1,694,081
2,525,835
1,195,447
1,015,824
3,375,138
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
6,191,623
5,682,965
12,487,600
13,761,913
25.67%
42.76%
1.61%
4.26%
7.31%
2.55%
2.78%
1.41%
4.03%
8.96%
0.89%
-2.12%
7.Markup/interest expenses to markup/interest income (D2
74.33%
57.24%
8.Admin. expenses to profit before tax. (D8/D9) (times)
0.31
0.71
9.Non-markup/interest expenses to total income D7/(D1+D6
0.11
0.21
10.Admin. expenses to non-markup/interest income (D8/D6)
0.25
0.16
2.49
0.35
10.75%
12.82%
39.04%
0.42
25.02%
27.87%
13.06%
6.91%
58.72%
45.64%
207.55%
466.06%
48.31%
74.44%
8.73%
17.57%
7.66%
13.49%
6.22%
10.27%
34.39%
166.87%
87.73%
76.78%
38.03%
55.13%

G.Liquidity ratios


4.Total deposits to total equity (B3/A) (times)
0.36
0.29
34.03
13.90
0.34
0.13
J.Cash flow ratio

2.45
4.75
74
PAIR INVESTMENT COMPANY

Items
2007
2008
5,446,253
1.Share capital
5,000,000
2.Reserves
89,250
357,003
4.Others
(123,267)
492,480
1.Bills payable
459,657
32,823
5,815,466
506,887
1,816,376
611,000
4.Investments
2,440,498
5.Gross advances
402,318
75,000
37,500
364,818
9.Fixed assets
21,478
54,409
527,054
31,898
495,156
(37,500)
457,656
94,762
82,513
73,115
469,905
318,146
E.Other items
500,000
2.Cash dividend
0.00
0.00
378,383
486,955
93.95%
8.51%
5.84%
5.47%
1.63%
6.Net markup/interest income(after provisions) to total asse -
7.87%
7.Markup/interest expenses to markup/interest income (D2 -
6.05%
0.16
9.Non-markup/interest expenses to total income D7/(D1+D6-
0.13
10.Admin. expenses to non-markup/interest income (D8/D6)-
0.77
0.64
39.95%
41.97%
6.27%
0.00
87.53%
18.64%
9.32%
1.38%
-1.00
0.50
93.65%
0.09
G.Liquidity ratios
8.47%
-

10.89
0.00
1.19
J.Cash flow ratio
75
PAK BRUNEI INVESTMENT COMPANY LIMITED

Items
2007
2008
5,363,009
1.Share capital
5,000,000
2.Reserves
72,602
290,407
4.Others
(81,849)
247,733
1.Bills payable
186,154
61,579
5,528,893
4,267
14,870
1,519,299
4.Investments
2,687,585
5.Gross advances
1,062,744
1,062,744
9.Fixed assets
44,334
195,794
672,254
131,801
540,453
108,921
431,532
85,608
143,675
118,675
373,465
222,266
500,000
2.Cash dividend
0.00
0.00
(1,218,859)
448,894
80.39%
9.78%
4.14%
E.Other items
4.02%
1.55%
7.81%
19.61%
0.32
0.19
1.39
0.44
0.35%
48.61%
19.22%
0.00
4.48%
5.71
0.00
0.00
0.00
G.Liquidity ratios

0.97
0.08
10.73
0.00
-5.48
J.Cash flow ratio
76
PAK CHINA INVESTMENT COMPNY LIMITED

Items
2007
2008
6,811,647
1.Share capital
6,457,200
2.Reserves
70,889
283,558
4.Others
(625)
757,178
1.Bills payable
726,754
30,424
7,568,200
6,670
3,772,069
255,482
4.Investments
1,430,241
5.Gross advances
1,938,595
1,938,595
9.Fixed assets
28,115
137,028
530,032
6,215
523,817
50,000
473,817
17,395
165,585
71,067
325,627
211,658
645,720
2.Cash dividend
0.00
0.00
(15,893)
1,078,614
98.83%
6.92%
3.11%
0.03
0.23%
6.26%
1.17%
E.Other items
0.22
0.30
4.09
0.33
G.Liquidity ratios
49.93%
0.19
25.62%
0.00
0.10
266.75%
0.00
0.00
0.00

0.90
0.16
10.55
0.00
-0.08
J.Cash flow ratio
77
PAK KUWAIT INVESTMENT CO.

Items
2007
2008
12,950,596
8,368,527
1.Share capital
6,000,000
6,000,000
2.Reserves
5,791,271
6,447,712
1,159,325
(4,079,185)
4.Others
41,164
(58,946)
11,413,856
7,158,931
8,644,000
6,370,782
1,947,500
37,500
822,356
750,649
24,405,616
15,468,512
24,849
17,179
5,349,009
2,759,358
6,591,584
500,000
4.Investments
8,074,324
8,436,921

1.Bills payable
5.Gross advances
4,418,660
4,269,116
338,539
1,278,058
338,539
910,181
4,080,121
3,358,935
9.Fixed assets
121,588
107,138
164,141
288,981
1,501,903
1,158,545
894,330
551,191
607,573
607,354


37,647
4,647,386
569,926
(4,040,032)
1,573,349
253,814
400,343
286,252
400,288
286,202
1,742,932
(4,072,470)
1,449,156
(4,102,069)
E.Other items
240
240
2.Cash dividend
0.20
0.08%
0.00
0.00
(1,147,603)
2,454,422
804,466
1,337,586
40.45%
52.42%
2.49%
3.93%
11.19%
-49.02%
5.94%
-26.52%
6.45%
1.64%
2.34%
-26.12%

59.55%
47.58%
0.23
-0.07
0.13
0.20
0.25
1.13
6,038.15
-17,091.95
22.02%
17.95%
33.08%
54.54%
16.72%
21.71%
7.98%
0.24%
46.77%
46.28%
226.89%
11384.31%
41.72%
66.62%
7.66%
29.94%

G.Liquidity ratios

7.66%
21.32%
2.61%
15.27%

11.12%
5.11
1.00
71.22%
53.06%
0.54

0.06
0.16
53,960.82
34,868.86
0.15
0.00
-0.79
-0.60
J.Cash flow ratio

78
PAK LIBYA HOLDING COMPANY LIMITED

Items
2007
2008
7,140,682
7,253,062
1.Share capital
5,841,780
6,141,780
2.Reserves
898,113
1,020,589
400,789
90,693
4.Others
(72,237)
(1,600,269)
12,562,532
6,519,558
8,750,370
4,858,821
3,525,000
1,400,000

1.Bills payable
287,162
260,737
19,630,977
12,172,351
21,954
42,624
226,459
78,821

5,355,534
698,769
4.Investments
8,450,866
5,477,558
5.Gross advances
5,233,732
5,483,847
323,641
529,012
9.Fixed assets
146,018
545,064
5,087,714
4,938,783
63,776
52,281
424,674
883,515
1,264,849
1,610,370
961,746
1,105,089


303,103
505,281
58,534
505,969
244,569
(688)
458,539
281,258
175,508
218,224
167,691
207,605
527,600
62,346
499,021
112,380
584
614,178
E.Other items
2.Cash dividend
0.00
0.00
0.51%
0.00
2,351,039
(1,787,539)
2,502,846
2,592,189
23.96%
31.38%
1.54%
4.15%
6.99%
1.55%
2.54%
0.92%
2.34%
2.31%
1.25%
-0.01%
76.04%
68.62%
0.32
3.33
0.10
0.12
0.37
0.74
854.23
0.18
1.27%
0.01
43.05%
0.45
25.92%
40.57%
17.96%
0.12
63.99%
53.56%
148.47%
3.92
42.64%
87.62%
6.18%
9.65%
2.79%
9.94%
4.53%
7.29%


G.Liquidity ratios

40.09%
92.83%
45.12%
103.03%
36.37%
59.59%

0.35
0.36
12,223.47
11.81
0.49
0.19
J.Cash flow ratio

4.71
-15.91
79
PAK OMAN INVESTMENT COMPANY LIMITED

Items
2007
2008
7,473,460
7,172,413
1.Share capital
6,150,000
6,150,000
2.Reserves
924,863
1,017,251
398,597
5,162
(112,803)
(899,590)
14,480,188
11,119,791
4.Others
1.Bills payable
11,776,222
7,491,561
2,168,358
3,023,121
535,608
605,109
21,840,845
17,392,614
25,042
48,548
1,641,977
508,560
3,706,071
3,137,180
4.Investments
9,052,600
6,996,478
5.Gross advances
6,964,645
6,074,145
156,865
333,971
132,888
333,971
6,831,757
5,740,174
73,887
67,109
509,511
894,565
1,616,934
2,038,155
1,063,943
1,318,404
552,991
719,751
87,319
253,496


9.Fixed assets

465,672
466,255
957,144
(62,050)
281,068
277,645
193,505
255,846
676,076
126,560
523,305
6,453
E.Other items

2.Cash dividend
615,000
615,000
0.19%
0.00
0.19%
0.00
3,033,513
363,978
2,622,906
1,440,147

0.34
35.31%
2.53%
4.14%
0.07
0.09%
0.02
0.04%
4.38%
-0.36%
2.13%
2.68%
0.66
64.69%
0.29
2.02
0.11
0.14
0.20
-4.12
0.85
0.01
G.Liquidity ratios
7.63%
0.03
41.45%
40.23%
31.28%
0.33
9.93%
17.38%

0.66
63.93%
321.19%
200.92%
49.95%
57.77%
2.25%
0.06
1.91%
0.06
0.02
4.66%
65.71%
0.76
84.71%
1.00
34.22%
41.24%
0.35
0.20
12.15
11.66
0.29
0.42
5.80
56.40


J.Cash flow ratio
80
SAUDI PAK INDUSTRIAL & AGRI. INV CO. (PVT) LTD.

Items
2007
2008
7,005,332
6,487,342
1.Share capital
4,000,000
5,000,000
2.Reserves
3,005,332
2,405,925
(918,583)
3,092,792
2,107,993
14,923,395
12,538,271
9,942,496
10,843,443
4,226,536
1,420,000
754,363
274,828
25,021,519
21,133,606
4.Others
1.Bills payable
510,717
24,784
1,969,784
1,302,617
1,995,000
1,335,000
4.Investments
9,907,620
8,602,574
5.Gross advances
8,014,021
8,176,268
1,330,609
2,600,657
1,268,390
1,871,691
6,745,631
6,304,577
9.Fixed assets
2,432,780
2,369,627
1,459,987
1,194,427
1,300,002
1,946,874
1,304,677
1,711,056
(4,674)
235,818
464,963
643,119
(469,638)
407,302
677,432
6,950,333
173,346
2,134,384
173,089
184,006
34,448
4,408,648
54,353
4,426,613
400,000
500,000
0.00
0.00

E.Other items
2.Cash dividend
0.00
0.00
1,954,674
5,508,473
6,557,382
6,377,528
-0.36%
12.11%
-0.02%
1.12%
0.78%
68.23%
0.22%
20.95%
2.71%
32.89%
-1.88%
1.93%
100.36%
87.89%
5.02
0.04
0.09
0.24
0.26
0.03
0.14
8.85
9.91%
6.28%
G.Liquidity ratios
0.40
40.71%
26.96%
29.83%
16.89%
6.72%
59.64%
59.33%
189.61%
575.79%
56.56%
66.67%
0.17
31.81%
15.83%
22.89%
18.99%
40.09%
36.66%
34.36%
95.32%
71.97%
0.28
0.31
0.94
0.98
17.51
12.97
0.60
0.22
35.96
1.24


J.Cash flow ratio
81
2011
LEASING COMPANIES
Outlook of leasing sector in the country has not been encouraging during FY11. Asset base decreased
by 9.5 percent over the period, from Rs 37.1 billion in FY10 to Rs 33.5 billion in FY11. The sector
showed profits before and after taxation of Rs.176.2 million & Rs.64.7 million respectively during
FY11.
FY 10
The shareholders equity of leasing sector

6.0
4.6
5.0
4.3
increased by 7.9 percent in FY11, increased from

4.0
Rs 4.3 billion in FY10 to Rs 4.6 billion in FY11.
3.0
2.0
Increase was also noted in reserves, which

1.0
20%
0.0
increased by 62.9 percent in FY11, from Rs 1.3

8%
-1.0 TE
0%
billion in FY10 to Rs 2.0 billion in FY11.
Total liabilities decreased from Rs.32.7 billion in
FY10 to Rs. 28.7 billion showing a decrease of
12.3 percent during FY11. The long term
SC
liabilities
comprises of borrowings from
financial and other institutions (BFI), deposit on

finance lease
(DFL) and other miscellaneous
liabilities (MISC). The composition of BFI, DFL
and MISC was 20.5,
32.4 and
47.1 percent
respectively of non-current liabilities for the year FY11. BFI decreased from Rs 5.0 billion to Rs 3.0
billion in FY11. Similarly, DFL decreased from Rs 6.3 billion in FY10 to Rs. 4.7 billion in FY11,
showing a decline of 26.3 percent in FY11.
82
2011
Current liabilities were Rs 15.6 billion in FY10, and Rs 14.2 billion in FY11, showing a decline of 8.5
percent. The ratios of current liabilities to total liabilities in FY10 and FY11 have been 47.6 and 49.7
percents indicating an increase in FY11.
ANALYSIS OF ASSETS
Total assets of leasing sector were Rs
33.5
billion in FY11 as against Rs 37.1 billion in
20
18
2%
FY10, showing a decline of 9.5 percent over
16
14
the previous year. Net investment in finance
12
10
lease contributed 74.2 percent of Non-current

6
assets in FY11; showing a decrease of
1.7
percent to reach Rs 13.0 billion in FY11 from
Rs 13.2 billion in FY10. Fixed assets
(FA)
comprise 9.0 percent of non-current assets and other/miscellaneous assets had 16.8 percent of noncurrent assets in FY11. FA declined by 4.2 percent while other/miscellaneous increased by 1.8 percent
in FY11.
Current assets (CA) were Rs 19.4 billion in
Current Assets
FY10 and decreased by 17.0 percent to reach

Rs 16.1 billion in FY11. CA constituted 48.0
20.0
percent of total assets in FY11 which were
15.0
10.0
52.3 percent of total assets in FY10. Current

5.0
assets comprise of cash and cash equivalents
0.0
CA
(CCE) and other/ misc. current assets (OCA).

Cash and balances with treasury banks, term
deposit certificates and other money market
placements, have shown negative growths of 92.4, 47.9 and 13.6 percents respectively in FY11 over
FY10. OCA constituted 87.6 percent of CA in FY10 and 89.9 percent of CA in FY11, showing a
decline of 14.8 percent in FY11.
19.4
83
PROFITABILITY AND OPERATING EFFICIENCY

The profit and loss account of leasing sector
indicates that prominent source of revenue
generation is still income from finance lease,
which was Rs. 2.9 billion in FY10, decreased
by 4.7 percent to Rs
2.8 billion in FY11.
Income from finance lease and operating lease
are components of income from lease (IL). IL
showed decline of 3.7 percent during FY11.
Profits before and after taxation were Rs.176.2 million and Rs. 64.
Return on equity
(ROE), return on
capital employed
(ROCE) ,return on
4%
2%
assets
(ROA) and return on revenue

0%
(ROR) remained in the positive zone

-2%
-4%
during FY11.
-6%
-8%
-10%
-12%
-14%
-16%
84
Leasing Companies - Overall

Items
2007
2008
6,835,258
7,080,248
1.Share capital
5,000,877
4,460,666
2.Reserves
2,921,318
2,410,646
(1,086,937)
208,936
292,972
30,256
B.Total liabilities (B1+ B2)
57,608,954
56,628,753
1.Non-current liabilities (a + b + c)
32,451,522
36,481,901
3.Un appropriated profit/loss

4.Others
a.Borrowings from financial and other institutions
6,195,363
6,765,089
b.Deposit on finance lease
12,064,697
16,436,318
c.Other/misc. liabilities
14,191,462
13,280,494
2.Current liabilities
25,157,432
20,146,852
C.Total assets (C1 + C2)
64,737,184
63,739,257
1.Non-current assets (a + b + c)
36,625,175
35,673,385
a.Net investment in finance lease
27,246,649
29,729,111
2,179,287
2,029,242
b.Fixed assets
c.Other/misc. assets
7,199,239
3,915,032
28,112,009
28,065,872
222,362
306,799
b.Placement with other banks
2,285,167
1,166,953
c.Term deposits certificate
2,065,144
719,556
d.Other money market placements
1,185,922
947,040
e.Cash & cash equivalent (a + b + c + d)
5,758,595
3,140,348
22,353,414
24,925,524
1.Income from finance lease
4,739,085
4,813,303
2.Income from operating lease
1,001,255
944,022
2.Current assets (e + f)
a.Cash and balances with treasury banks
f.Other/misc. current assets

3.Income from lease (D1 + D2)

4.Income from investments
5.Other income
5,740,340
5,757,325
152,621
266,823
884,695
1,655,426
6.Total income/revenue (D3 to D5)
6,777,656
7,679,574
1,222,244
1,253,641
(479,403)
476,818
(491,665)
598,955
957,667
734,045
E.Other items
2.Cash dividend
N/A
3.Stock dividend
N/A
N/A
N/A
1,724,576
1,656,175
-7.19%
8.46%
2.Return on capital employed (ROCE) (D8/(C-B2))
-1.21%
1.09%
-0.76%
0.94%
4.Return on revenue (ROR) (D9/D6)
-7.25%
0.08
0.85
74.97%
6.Administrative expenses to profit before tax. (D7/D9) (time
-2.49
2.09
-0.51
0.82
0.09
4.93%
5.Lease income to total income (D3/D6)
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
42.09%
46.64%
3.Current assets to current liabilities (C2/B2) (times)
1.12
1.39
4.Total liabilities to total assets (B/C) (times)
0.89
0.89
10.56%
11.11%
7.14
9.65
1.Cash generated from operating activities to profit after tax.
-3.51
2.77
2.Cash generated from operating activities to current liabiliti
0.07
0.08
H.Capital /leverage ratios

I.Cash flow ratio
85
Grays Leasing Limited

Items
2007
2008
268,470
259,238
1.Share capital
200,000
200,000
58,625
58,625
9,845
613
2.Reserves
4.Others
21,019
19,969
1,446,071
1,293,288
915,190
798,343
438,833
372,353
346,499
369,898
129,858
56,092
530,881
494,945
1,735,560
1,572,495
1,003,690
881,707
926,087
773,432
b.Fixed assets
58,699
92,123
18,904
16,152
731,870
690,788
15
21
4,569
20,793
697,012
641,375
701,596
662,189
30,274
28,599
145,189
129,584
8,317
145,189
137,901
17,507
15,055
162,696
152,956


5.Other income
31,842
38,556
23,250
(9,571)
15,458
(10,283)
E.Other items
20,000
20,000
2.Cash dividend
0.00
0.00
3.Stock dividend
0.00
0.00
(167,344)
171,193
5.76%
-0.04%
1.93%
-0.01%
0.89%
-0.01%

0.10
-0.07%
89.24%
0.01
2.06
-3.75
0.77
-0.51
40.42%
0.42%
53.36%
0.49%
G.Liquidity ratios
1.38
1.40
0.83
0.82
15.47%
0.17%
13.42
12.96
-10.83
-16.65
-0.32
0.35

I.Cash flow ratio
86
NBP Leasing Limited

Items
2007
2008
720,708
1.Share capital
500,000
2.Reserves
88,932
131,776
4.Others
(97,976)
293,173
67,008
66,017
991
226,165
915,905
353,502
194,096
b.Fixed assets
6,498
152,908
562,403
1,301
2,394
218,315
222,010
340,393
41,503
1,167
42,670
52,966
5.Other income
12,814
108,450
24,802
853
10,915
50,000
2.Cash dividend
0.00
3.Stock dividend
0.00
148,975
1.51%
0.12%
1.19%
10.06%
39.35%
6.Administrative expenses to profit before tax. (D7/D9) (time-
2.27
0.22
24.24%
21.19%
2.49
0.32
78.69%
14.41
1.Cash generated from operating activities to profit after tax. -
13.65
2.Cash generated from operating activities to current liabiliti -
0.66
E.Other items
G.Liquidity ratios
I.Cash flow ratio
87
Orix Leasing Pakistan Limited

Items
1.Share capital
2.Reserves
2007
2008
2,378,881
2,603,868
694,785
694,785
1,684,096
1,576,899
332,184
4.Others
23,777,103
25,211,112
14,592,625
20,175,342
1,035,300
3,602,959
6,179,578
9,913,743
7,377,747
6,658,640
9,184,478
5,035,770
26,155,984
27,814,980
16,003,111
15,876,126
9,559,458
13,169,849
751,180
832,333

b.Fixed assets
5,692,473
1,873,944
10,152,873
11,938,854
42,231
207,557
498,383
261,519
540,614
469,076
9,612,259
11,469,778
2,174,914
2,378,393
500,545
535,434
2,675,459
2,913,827
23,191
33,330
234,426
504,110
2,933,076
3,451,267
412,423
516,826
395,579
351,609
334,079
266,609
237,888
69,478
2.Cash dividend
0.35
0.15
3.Stock dividend
0.00
0.15
2,174,548
549,478
5.Other income
E.Other items

14.04%
0.00
2.33%
0.02%
1.28%
0.01%
11.39%
0.08%
91.22%
0.84%
1.23
1.94
1.40
3.84
G.Liquidity ratios
2.07%
0.02%
36.55%
0.47%
1.11
2.37
0.91
0.91
9.09%
0.09%
10.00
37.48
6.51
2.06
0.24
0.11

I.Cash flow ratio
88
Pak-Gulf Leasing Company Limited

Items
2007
2008
244,513
256,702
1.Share capital
193,698
193,698
2.Reserves
27,410
29,580
23,405
33,424
4.Others
26,716
24,871
298,066
282,308
157,982
151,144
8,582
128,636
129,971

20,764
21,173
140,084
131,164
569,295
563,881
313,701
354,788
257,958
303,813
51,530
47,894
4,213
3,081
255,594
209,093
b.Fixed assets
236,923
181,497
236,923
181,497
18,671
27,596
49,243
49,767
49,243
49,767
725
703

5.Other income
1,201
150
51,169
50,620
24,405
18,028
500
12,164
2,660
10,849

E.Other items
19,370
19,370
2.Cash dividend
0.00
0.00
3.Stock dividend
0.08
0.00
93,017
7,472
1.09%
0.04%
0.12%
0.03%
0.47%
0.02%

0.05
0.21%
96.24%
0.98%
9.17
1.66
0.14
0.56
41.62%
0.32%
45.31%
0.54%
1.82
1.59
0.52
0.50
42.95%
0.46%
12.62
13.25
34.97
0.69
0.66
0.06
G.Liquidity ratios

I.Cash flow ratio
89
SME Leasing Limited

Items
2007
2008
435,240
419,363
1.Share capital
320,000
320,000
2.Reserves
115,240
48,466
50,897
4.Others
(8,783)
1,481,629
1,569,329
921,757
895,907
724,182
340,486
181,250
197,575
374,171
559,872
673,422
1,916,869
1,979,909
1,260,940
1,221,954
1,206,948
1,146,981
b.Fixed assets
11,240
9,711
42,752
65,262
655,929
757,955
23,705
33,964
569,842
31,308
593,547
65,272
62,382
692,683

155,282
134,241
272
155,554
134,241
250
5,663

5.Other income
15,954
15,951
171,758
155,855
46,856
43,631
35,109
2,275
30,667
7,711
320,000
320,000
0.00
0.00
E.Other items
2.Cash dividend
3.Stock dividend
0.00
0.00
(102,504)
92,656
7.05%
0.02%
2.59%
0.00
0.02
0.00
17.85%
0.05%
90.57%
0.86%
1.53
5.66
0.10
0.02
30.96%
0.03%

G.Liquidity ratios
62.96%
0.58%
1.17
1.13
0.77
0.79

22.71%
0.21%
1.36
1.31
-3.34
12.02
-0.18
0.14

I.Cash flow ratio
90
Saudi Pak Leasing Company Limited

Items
2007
2008
653,642
684,097
1.Share capital
430,100
451,605
2.Reserves
136,164
150,857
87,378
81,635
(15,305)
(136,762)
5,899,994
6,888,051
2,028,497
2,441,650
846,942
1,070,376
1,181,555
1,371,274
3,871,497
4,446,401
6,538,331
7,435,386
2,610,090
3,313,267
2,281,114
2,941,966
b.Fixed assets
208,861
256,383
120,115
114,918
3,928,241
4,122,119
306
49,704
955,381
419,779
407,294
11,250
1,362,981
480,733
2,565,260
3,641,386
442,389
479,905
38,237
74,835
480,626
554,740
241,056
316,561

4.Others



5.Other income
721,682
871,301
100,664
105,283
70,698
90,865
54,198
73,465
43,010
45,160
2.Cash dividend
0.10
0.00
3.Stock dividend
0.05%
0.00
(618,070)
(240,840)
E.Other items

8.29%
0.11%
2.65%
0.03%
0.83%
0.01%
7.51%
0.08%
0.67
0.64%
1.86
1.43
1.26
1.63
20.85%
0.07%
34.89%
0.00
1.01
0.93
0.90
0.93
0.10
0.09%
15.20
15.15
-11.40
-3.28
-0.16
-0.05
G.Liquidity ratios

I.Cash flow ratio
91
Security Leasing Corporation Limited

Items
2007
2008
603,561
592,370
1.Share capital
513,000
475,500
2.Reserves
76,506
118,867
14,055
(1,997)
4.Others
(33,407)
23,776
4,830,329
4,961,128
2,461,165
2,632,668

1,518,750
1,602,207
939,829
1,027,875
2,586
2,586
2,369,164
2,328,460
5,400,483
5,577,274
3,001,377
3,108,830
2,467,054
2,302,632
b.Fixed assets
209,844
246,681
324,479
559,517
2,399,106
2,468,444
39,110
60
38,634
20,743
4,814
396,770
305,665
456,623
349,173
1,942,483
2,119,271
380,357
383,218

60,307
58,595
440,664
441,813
5.Other income
146,166
556,615
586,830
998,428
78,817
89,305
48,856
(10,039)
40,258
211,810
51,300
47,550
2.Cash dividend
0.09
0.09
3.Stock dividend
0.00
0.00
(286,125)
152,826
6.67%
0.36%
1.61%
0.00
0.75%
0.04%
6.86%
0.21%
75.09%
0.44%
1.96
0.42
0.78
4.45
8.46%
0.06%
45.68%
0.41%
1.01
1.06
0.89
0.89
E.Other items

G.Liquidity ratios
11.18%
0.11%
11.77
12.46
-7.11
0.72
-0.12
0.07

I.Cash flow ratio
92
Sigma Leasing Corporation Limited

Items
2007
2008
369,474
331,993
1.Share capital
300,000
300,000
2.Reserves
50,946
61,861
18,528
(29,868)
4.Others
55,320
55,194
1,206,344
982,953
580,937
479,120
245,820
141,667
2,412
1,739
332,705
335,714
625,407
503,833
1,631,138
1,370,140
832,503
627,911
743,642
541,329
87,703
85,513
b.Fixed assets
1,158
1,069
798,635
742,229
61
58
28,172
73,089
103,133
163,257
131,366
236,404
667,269
505,825
134,262
123,397
1,040
11,100
135,302
134,497


5.Other income
21,456
22,261
156,758
156,758
19,641
23,854
68,424
58,147
60,684
54,580
30,000
30,000
0.16
0.11
E.Other items
2.Cash dividend
3.Stock dividend
0.00
0.00
5,867
377,294
16.42%
0.16%

0.07
0.07%
3.72%
0.04%
38.71%
0.35%
86.31%
0.86%
0.32
0.44
2.02
1.82
8.05%
0.17%
G.Liquidity ratios
45.59%
0.00
1.28
1.47
0.74
0.72
22.65%
0.24%
12.32
11.07
0.10
6.91
0.01
0.75

I.Cash flow ratio
93
Standard Chartered Leasing Limited

Items
2007
2008
272,359
209,098
1.Share capital
391,342
391,342
94,407
94,407
(213,390)
(276,651)
2.Reserves
4.Others
5,063
(853)
2,518,434
1,543,716
1,272,300
460,871
386,667
66,667
445,554
285,129
440,079
109,075
1,246,134
1,082,845
2,795,856
1,751,961
1,531,166
811,401
1,237,142
567,724
b.Fixed assets
7,735
9,618
286,289
234,059
1,264,690
940,560
11,245
170
5,040
14,698
11,415
19,745
1,253,275
920,815
3,288
264,060
150,715
267,348
150,715
102
7,493
37,341
23,297
304,791
181,505


5.Other income
71,459
48,561
(394,651)
(56,738)
(234,609)
(63,262)
E.Other items
39,134
39,134
2.Cash dividend
0.00
0.00
3.Stock dividend
0.00
0.00
1,041,962
605,369
-86.14%
0.00
-25.47%
-0.09%
-8.39%
-0.04%
-76.97%
-0.35%
87.72%
0.83%
-0.30
-0.77
-6.00
-1.62
0.41%
0.01%
44.25%
0.32%
1.01
0.87
0.90
0.88
9.74%
0.12%


G.Liquidity ratios

6.96
5.34
-4.44
-9.57
0.84
0.56
I.Cash flow ratio
94
2011
INVESTMENT BANKS
The performance of investment banks has deteriorated over the year. Analysis revealed that their
balance sheet size squeezed by 7.2 percent in FY11 over FY10. The aggregate share capital remained
same. Losses before and after tax have been Rs. 0.6 billion and Rs. 0.7 billion respectively in FY11.
Gross revenue also witnessed a decrease of 17.0 percent during FY11.
Shareholders' Equity
10.0
Total shareholders equity
(TE) at Rs
4.0
8.0
4%
6.0
billion in FY10 shrank to Rs 3.0 billion in

4.0
FY11 reflecting a decrease of 24.0 percent in
2.0
0.0
FY11 over FY10. Share Capital (SC) was Rs

-2.0 TE
-4.0
8.8 billion in both FY10 and FY11.

-6.0
-24%
Total liabilities witnesses a decline of 4.1 percent from Rs 22.6 billion in FY10 to Rs 21.7 billion in
FY11. Share Composition of current and non-current liabilities to total liabilities was 83.0 and 17.0
percent respectively in FY11 as against 77.3 and 22.7 percent in FY10. Current liabilities at Rs 17.5
billion in FY10 increased by 3.0 percent to reach Rs 18.0 billion in FY11.
ANALYSIS OF ASSETS
20.0
Total assets declined by
7.2 percent during
18.0
16.0
FY11. In absolute terms they decreased from
14.0
12.0
Rs 26.5 billion in FY10 to Rs 24.6 billion in
10.0
8.0
FY11. Total current assets were however Rs
6.0
4.0
18.3 billion in FY10 as against Rs 18.9 billion
2.0
0.0
in FY11, showing an increase of 3.1 percent.

(CA)
Cash and bank balances at Rs 0.3 billion in

FY11, showing a decline of 44.8 over FY10. Other current assets at Rs 18.5 billion in FY11, reflecting
an increase of 4.8 over FY10.
95
Total non-current assets at Rs 5.7 billion in

FY 10
FY11 showing a decrease of 30.1 percent over

9.0
8.0
-5%
8.2
FY10. The main constituent was long-term

7.0
5.7
-10%
6.0
investment which was 35.0 percent of non-
-15%
4.2
5.0
4.0
-21%
current assets in FY11. Long-term investments
3.0
2.0
1.1
0.9
at Rs 2.0 billion in FY11 decreased by 32.3
percent form Rs 3.0 billion in FY10. The fixed

assets formation in investment banks at Rs 0.9
billion in FY11 were Rs 1.1 billion in FY10.
Gross revenue at Rs
2.4 billion in FY11
decreased by 17.0 percent from Rs 2.9 billion

4.0
in FY10. The administrative and operating
3.0
2.0
expenses showed a decrease of 32.0 percent in

1.0
20%
FY11. Operating profit stayed at Rs 1.4 billion

0.0
in both FY10 and FY11.
-1.0
-2.0
constituted
47.8 percent and 57.3 percent of

-3.0
gross revenue in the years FY10 and FY11

respectively. Finance cost decreased by10.4 percent to reach Rs 2.0 billion in FY11 from Rs 2.2
billion in FY10. Losses of investment banks before and after taxes were Rs 0.6 billion and Rs 0.7
billion respectively in FY11.
Profitability Ratios
Return on equity
(ROE), return on capital

0%
employed (ROCE) ,return on assets (ROA) and
-5%
-10%
also return on revenue (ROR) remained in the

-15%
-20%
negative zone in FY11.

-25%
-30%
-35%
-40%
-45%
-50%
96
Investment Banks - Overall

Items
2007
2008
7,500,397
9,526,688
1.Share capital
4,338,053
7,625,153
2.Reserves
1,916,908
1,752,876
3.Unappropriated profit/loss
1,245,436
148,659
7,989
(711,925)
B.Total liabilities (B1 + B2)
36,518,018
45,556,092
27,018,735
33,856,343
9,499,283
11,699,749
C.Total assets (C1+C2)
44,026,404
54,370,855
1.Current assets (a + b)
32,933,616
38,590,037
4.Others
2.Non-current liabilities
a.Cash and banks balances
4,926,145
1,792,740
b.Other current assets
28,007,471
36,797,297
11,092,788
15,780,818
800,487
1,651,142
b.Long-term investments
7,902,283
9,118,257
c.Other non-current assets
2,390,018
5,011,419
1.Gross revenue
5,554,355
6,599,385
2.Administartive & operating expenses
1,270,194
1,914,881
3.Operating profit
4,284,161
4,545,526
4.Finance cost
2,571,670
2,977,616
673,562
694,271
693,041
934,899
343,804
676,615
a.Fixed assets
E.Other items
1.No. of shares
2.Cash dividend
N/A
N/A
N/A
N/A
761,062
(1,530,066)
9.24%
9.81%
3.96%
3.38%
1.57%
1.72%
12.48%
14.17%
183.28%
204.82%
2.02
1.38
1.22
1.14
0.83
0.84
17.95%
16.77%
17.04%
17.52%

5.Operating expenses to net income (D2/D6)
G.Liquidity ratios
3.Long term investment to total assets (C2b/C)

21.82
14.08
1.10
-1.64
I.Cash flow ratio

97
Escorts Investment Bank

Items
2007
2008
802,233
851,850
1.Share capital
441,000
441,000
2.Reserves
126,487
154,050
234,746
256,800
4.Others
(15,402)
(3,533)
5,147,829
5,648,593
4,168,563
4,737,057
979,266
911,536
5,934,660
6,496,910
5,013,161
5,394,443
133,428
306,542
4,879,733
5,087,901
921,499
1,102,467
a.Fixed assets
143,160
135,383
569,162
556,374
209,177
410,710
1.Gross revenue
841,512
804,919
216,349
238,319
3.Operating profit
625,163
566,600
4.Finance cost
163,248
201,267
141,201
94,512
130,164
137,817
44,100
44,100
2.Cash dividend
0.20
0.20
0.00
0.00
(454,432)
259,937
16.23%
16.18%
0.08
5.37%
2.19%
2.12%

E.Other items
1.No. of shares

15.47%
17.12%
166.21%
172.92%
2.95
3.13
1.20
1.14
0.87
0.87
9.59%
8.56%
13.52%
13.11%
18.19
19.32
-3.49
1.89

G.Liquidity ratios

I.Cash flow ratio
98
First Credit and Investment Bank

Items
2007
2008
553,901
557,982
1.Share capital
119,582
400,000
2.Reserves
111,350
114,558
322,969
43,424
4.Others
(6,392)
(7,800)
1,510,995
1,179,071
1,301,977
1,089,771
209,018
89,300
2,058,504
1,729,253
1,279,324
1,000,427
25,187
13,969
1,254,137
986,458
779,180
728,826
12,478
9,730
434,867
629,687
331,835
89,409
190,286
178,306
29,860
39,328
3.Operating profit
160,426
4.Finance cost

a.Fixed assets

1.Gross revenue
102,522
102,461
57,377
24,923
55,673
16,038
E.Other items
1.No. of shares
11,958
44,100
2.Cash dividend
0.00
0.00
0.00
0.00
(208,675)
(12,572)

10.05%
2.87%
7.58%
0.04
2.71%
0.93%
29.26%
8.99%
53.64%
245.22%
4.66
0.36
0.98
0.92

G.Liquidity ratios
0.73
0.68
21.13%
36.41%
26.91%
32.27%
46.32
12.65
-3.75
-0.78

I.Cash flow ratio
99
First Dawood Investment Bank

Items
2007
2008
1,591,618
1,778,996
1.Share capital
495,251
569,539
2.Reserves
896,450
1,024,030
199,917
185,427
10,626,519
9,285,199
8,829,838
7,102,703
4.Others
1,796,681
2,182,496
12,218,137
11,064,195
10,069,105
8,667,974
9,404
33,756
10,059,701
8,634,218
2,149,032
2,396,221
11,974
62,028

a.Fixed assets
1,415,586
1,064,499
721,472
1,269,694
1,235,302
1,468,881
72,881
97,377
1,162,421
1,371,504
4.Finance cost
840,610
980,004
178,477
36,112
179,520
113,655

1.Gross revenue
3.Operating profit
E.Other items
1.No. of shares
49,525
56,954
2.Cash dividend
0.00
0.00
0.15
0.10
846,221
(256,868)
11.28%
0.06%
5.27%
0.01%
1.47%
0.01%

14.53%
0.08%
0.41
0.86%
3.63
2.00
1.14
1.22
0.87
0.84
11.59%
0.00
13.03%
0.16%
32.14
31.24
4.71
-2.26
G.Liquidity ratios

I.Cash flow ratio
100
IGI Investment Bank Ltd.

Items
2007
2008
1,067,535
2,244,315
1.Share capital
922,184
2,121,025
2.Reserves
152,506
136,831
(7,155)
(13,541)
(17,977)
(62,069)
4.Others
5,599,458
7,649,150
3,425,647
6,040,538
2,173,811
1,608,612
6,649,016
9,831,396
3,975,682
6,997,249
269,966
849,863
3,705,716
6,147,386
2,673,334
2,834,147
85,573
112,052
1,877,310
2,310,472
710,451
411,623
1.Gross revenue
585,990
764,137
207,995
234,108
3.Operating profit
377,995
530,029
4.Finance cost
482,873
571,086
(79,267)
(45,637)
(39,157)
(6,386)
92,218
212,102
2.Cash dividend
0.00
0.00
0.00
0.00
111,248
(368,225)
-3.67%
-0.28%
-2.46%
-0.01
-0.59%
-0.06%
-6.68%
-0.84%
-531.18%
-3665.96%
-0.43
-0.03
1.16
1.16
0.84
0.78
28.23%
0.24
16.06%
22.83%
11.58
10.58
-2.84
57.66
a.Fixed assets
E.Other items
1.No. of shares


G.Liquidity ratios

I.Cash flow ratio
101
Invest Capital Investment Bank Ltd.

Items
1.Share capital
2.Reserves
2007
2008
(257,893)
380,238
100,000
746,424
2,388
(347,924)
(360,281)
(18,262)
214,154
190,476
64,955
1,457,526
64,659
1,456,235
296
1,291
21,216
2,028,240
15,956
1,646,427
4.Others
409
59,435
15,547
1,586,992
5,260
381,813
a.Fixed assets
1,109
159,020
4,051
189,738
100
33,055
3,790
298,511
11,398
211,663
3.Operating profit
(7,608)
86,848
1,265
88,794
(34,004)
(4,521)
(34,022)
(19,468)
10,000
74,642
0.00
0.00

1.Gross revenue
4.Finance cost
E.Other items
1.No. of shares
2.Cash dividend
0.00
0.00
(7,895)
(380,013)
13.19%
-0.05%

78.27%
-0.01%
-160.36%
-0.01%
-897.68%
-0.07%
-0.34
-10.87%
-3.40
-0.26
0.25
1.13
3.06
0.72
19.09%
0.09%
-1215.56%
0.19%
G.Liquidity ratios

-25.79
5.09
0.23
19.52
I.Cash flow ratio

102
Security Investment Bank Ltd.

Items
2007
2008
654,086
680,706
1.Share capital
428,613
514,336
2.Reserves
134,326
139,650
91,147
26,720
(61,447)
(376,279)
4.Others
2,209,426
627,119
2,204,250
620,833
5,176
6,286
2,802,065
931,546
2,596,093
699,235
102,460
26,255
2,493,633
672,980
205,972
232,311

a.Fixed assets
5,747
4,919
151,299
151,220
48,926
76,172
315,726
192,045
33,376
31,435
282,350
160,610
97,778
26,828
89,244
26,619
42,861
51,434
2.Cash dividend
0.00
0.00
0.20
0.00
(156,345)
(27,543)
13.64%
0.04%
16.36%
0.09%
3.19%
0.03%
1.Gross revenue
3.Operating profit
4.Finance cost
E.Other items
1.No. of shares

28.27%
0.14%
0.37
1.18%
2.08
0.52
1.18
1.13
0.79
0.67
0.05
0.16%
23.34%
0.73%
15.26
13.24
-1.75
-1.04
G.Liquidity ratios

I.Cash flow ratio
103
Trust Investment Bank Ltd.

Items
2007
2008
1,016,064
1,095,609
1.Share capital
468,423
585,529
2.Reserves
308,517
267,758
239,124
242,322
4.Others
6,594
(270,341)
5,421,020
7,106,813
2,784,226
4,776,224
2,636,794
2,330,589
6,443,678
7,932,081
3,201,624
3,510,993
200,947
93,289
3,000,677
3,417,704
3,242,054
4,421,088
108,061
157,284
3,018,135
3,420,843
115,858
842,961
1.Gross revenue
732,403
949,051
165,415
193,656
3.Operating profit
566,988
755,395
4.Finance cost
428,762
538,473
115,547
66,124
103,047
149,783
a.Fixed assets
E.Other items
1.No. of shares
46,842
58,553
2.Cash dividend
0.15
0.00
0.25
0.00
943,352
(1,211,474)
10.14%
13.67%
3.16%
0.02
0.02
1.89%
14.07%
15.78%
160.52%
129.29%
2.20
2.56
1.15
0.74

G.Liquidity ratios
0.84
0.90
46.84%
43.13%
15.77%
13.81%
21.69
18.71
9.15
-8.09

I.Cash flow ratio
104
2011
MUTUAL FUNDS (CLOSE ENDED)

Balance sheet size of Mutual Funds contracted by 17.1 percent in FY11 over FY10. Total assets
decreased from Rs 31.2 billion in FY10 to Rs 25.8 billion in FY11. Net income was Rs. 4.3 billion in
FY11 as compared to Rs. 3.0 billion for FY10.
ANALYSIS OF BALANCE SHEET COMPONENTS
Total equity of mutual funds witnessed a
Components of Balance Sheet

decrease of Rs 4.6 billion or 18.1 percent
35
in FY11 over FY10. Total assets
20%
30
-10%
25
-18%
-17%
decreased from Rs 31.2 billion in FY10

20
-40%
15
-46%
to Rs 25.8 billion in FY11 showing a

10
-70%
decrease of
17.1 percent over FY10.

Analysis revealed that aro
percent of total assets were in form of

investments as compared to 86.0 percent
in FY10. Components of equity have a
mixed trend.
Certificate holders equity declined by

31.2 percent in FY11, whereas reserves
increased by 5.3 percent. Current assets
90.6
in form of cash and bank balances
decreased from Rs 2.7 billion in FY10 to

Rs
1.8 billion in FY11 registering a
decline of around 31.1 percent over FY10. Investment decreased from Rs 26.8 billion in FY10 to Rs
23.4 billion in FY11. Certificate holder equity recorded decline during FY11, witnessing a decrease of
around 31.2 percent in FY11 over FY10, however the other two components that is reserve and unappropriated profit increased during the year under review. Reserve increased from Rs 2.0 billion in
FY10 to Rs 2.1 billion in FY11; an increase of around 5.3 percent in FY11 over FY10. Un-appropriate
profit also witnessed an increase of about 89.4 percent in FY11 over FY10.
105
ANALYSIS OF PROFITABILITY
On income side, gross revenue increased in
FY11 as compared to FY10. In absolute terms
total income increased from Rs 4.1 billion in

FY10 to Rs 5.0 billion in FY11, registering an
increase of around 22.7 percent. Major Portion

of income has been generated through gain on
sales of investment, capital gains and from
dividend income.Net gain on sale of investment
which was Rs 936 million in FY10 decreased
to Rs 920 million in FY11. During FY11, 71.3
100%
90%
percent
of
total
expenses
constituted
80%
70%
remuneration to management/ investment
60%
50%
adviser while in FY10 it was around
61.9
40%
30%
percent. Return on assets (ROA) increased in

20%
10%
FY11 to 16.58 percent as compared to 9.61

0%
percent inFY10. On the other hand, return on

revenue (ROR) also increased from 73.62 percent in FY10 to 85.81 percent in FY11.
106
Mutual Fund Companies - Overall

Items
2007
2008
58,234,623
44,087,199
1.Certificate holders equity
34,686,190
31,455,897
4,796,900
3,853,662
18,751,533
8,777,640
4.Others
5,085,455
5,162,631
5,045,161
607,003
1.Payable to investment advisor
1,262,039
148,037
2.Others
2.Reserves
3,783,122
458,966
C.Total assets (C1 to C3)
68,365,239
49,856,833
1.Cash & bank balances
15,620,627
5,340,247
2.Investments
47,921,836
43,359,823
4,822,776
1,156,763
14,765,320
1,518,537
1,053,983
781,834
3.Others
1.Income (a to g)
a.Markup/interest income
b.Dividend income
2,090,663
1,758,182
c.Income from future transactions
18,887
(15,000)
d.Net gain on sale of investments
6,164,020
2,066,257
e.Net unrealized gain/(loss) on investment
4,811,814
(3,376,571)
549,702
267,513
76,251
36,322
E.Total expense (E1 to E5)
1,672,104
1,449,582
1.Remuneration to management co-advisor
1,201,308
1,141,061
2.Remuneration to trustees/custodians
49,582
45,480
3.Brokerage-commission /fee
66,837
36,584
293,098
201,774
61,279
24,683
13,093,216
68,955
f.Capital gain
g.Other income
4.Administrative and general expenses

5.Other
F.Net income for the year (D1-E)
G.Other items
1.No. of units
3,530,072
3,205,297
2.Cash dividend
N/A
N/A
N/A
N/A
14,414,193
(2,120,718)
0.79
-67.27%
0.13%
-0.99%
3.Return on revenue (ROR) (F/D1)
88.68%
4.54%
4.Return on assets (ROA) (F/C)
19.15%
0.14%
5.Management expense (E1/E)
71.84%
78.72%
6.Net assets value per share (A1/G1)
9.83
9.81
7.Earning per share (F/G1)
3.71
0.02
22.85%
10.71%
7.38%
1.22%
50.74%
63.09%
1.10
-30.76
H.Efficiency ratios/profitability ratios

1.Gain ratio (D1c to D1g)/D1
2.Trading income (D1c/D1)
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
J.Capital /leverage ratios
Shareholders equity to total assets (A1/C)
K.Cash flow ratio
Cash generated from operating activities to net income (G4/F
107
Al-Meezan Mutual Fund

Items
2007
2008
2,218,592
1,906,416
1,196,000
1,375,400
2.Reserves
4.Others
44,729
43,091
977,863
487,925
57,915
9,279
38,590
3,221
2.Others
19,325
6,058
2,276,507
1,915,695
590,523
63,366
1,607,032
1,823,099
78,952
29,230
594,674
38,615
21,848
23,993
b.Dividend income
79,505
84,386

2.Investments
3.Others
1.Income (a to g)
176,243
141,851
314,974
(194,197)
f.Capital gain
g.Other income
2,104
(17,418)
47,917
50,153
38,590
41,339
1,308
1,076
5,013
3,599
4,139
3,006
546,757
(11,538)
119,600
137,540
2.Cash dividend
0.00
0.00
0.00
0.00
919,597
(228,946)
82.96%
-180.67%
0.00
0.00
91.94%
-29.88%
24.02%
-0.01
80.54%
82.43%
10.00
10.00
4.57
-0.08
25.94%
3.31%
2.54%
0.48%
52.54%
0.72

5.Other
G.Other items
1.No. of units


I.Liquidity ratios
K.Cash flow ratio
1.68
19.84
108
Asian Stocks Fund Limited

Items
2007
2008
919,323
795,973
900,000
900,000
2.Reserves
105,902
17,795
(86,579)
(121,822)
49,171
14,883
14,436
1,493
4.Others
2.Others
34,735
13,390
968,494
810,856
215,653
26,068
2.Investments
740,876
748,744
11,965
36,044
96,251
35,503
3.Others
1.Income (a to g)
b.Dividend income
10,806
25,558
72,325
(2,050)

f.Capital gain
g.Other income
13,120
11,995
22,961
25,732
14,436
17,799
2,982
4,616
5.Other
5,543
3,317
73,290
9,771
90,000
90,000
0.00
0.00

G.Other items
1.No. of units
2.Cash dividend
0.00
0.00
205,375
(186,085)

88.77%
28.01%
0.00
0.00
76.14%
27.52%
7.57%
1.21%
62.87%
69.17%
10.00
10.00
0.81
0.11
22.27%
3.21%
5.08%
1.84%
92.93%
110.99%
2.80
-19.04

I.Liquidity ratios
K.Cash flow ratio
109
Atlas Fund of Funds

Items
2007
2008
646,274
592,196
525,000
525,000
2.Reserves
121,274
67,196
4.Others
20,831
8,298
15,142
2,314
5,689
5,984
667,105
600,494
209,379
76,653
2.Investments
441,048
512,303
16,678
11,538
113,164
45,705
21,344
10,961
b.Dividend income
55,928
49,212
6,219
9,327
2.Others
3.Others
1.Income (a to g)
29,673
(23,795)
f.Capital gain
g.Other income
16,799
17,784
13,142
14,303
942
958
1,383
839
1,332
1,684
96,365
27,921
52,500
52,500
0.00
0.00
5.Other
G.Other items
1.No. of units
2.Cash dividend
0.00
0.00
132,912
34,852
31.72%
-31.66%

0.00
0.00
85.16%
61.09%
14.45%
4.65%
78.23%
80.43%
10.00
10.00
1.84
0.53
31.39%
12.76%
3.12%
1.38%
0.79
87.43%
1.38
1.25

I.Liquidity ratios
K.Cash flow ratio
110
First Capital Mutual Fund Limited

Items
2007
2008
380,281
337,605
300,000
300,000
80,281
37,605
39,790
10,964
6,773
7,436
33,017
3,528
2.Reserves
4.Others
2.Others

2.Investments
3.Others
420,071
348,569
50,813
8,752
352,440
336,537
16,818
3,280
125,582
(30,743)

1.Income (a to g)
10,738
13,650
52,949
23,516
58,493
(71,012)
3,402
3,103
11,183
10,847
6,773
7,436
213
406
b.Dividend income
f.Capital gain
g.Other income
5.Other
4,197
3,005
114,399
(41,590)
30,000
35,000
2.Cash dividend
0.00
0.00
0.00
0.00
(75,993)
(12,043)

G.Other items
1.No. of units

91.45%
1.44
0.00
0.00
0.91
135.28%
27.23%
-11.93%
60.57%
68.55%
10.00
8.57
3.81
-1.19

I.Liquidity ratios
0.12
2.51%
9.47%
3.15%
71.42%
86.07%
-0.66
0.29

K.Cash flow ratio
111
First Dawood Mutual Fund

Items
2007
2008
774,995
752,467
580,750
580,750
194,245
171,717
24,707
6,590
19,357
1,830
5,350
4,760
799,702
759,057
2.Reserves
4.Others
2.Others
15,515
35,295
2.Investments
567,280
709,017
3.Others
216,907
14,745

1.Income (a to g)
182,408
67,386
17,153
19,903
b.Dividend income
14,300
12,421

94,774
(105,574)
f.Capital gain
42,121
130,808
g.Other income
14,060
9,828
25,514
31,839
19,357
24,113
990
1,118
3,672
4,940
1,495
1,668
156,894
35,547
5.Other
G.Other items
1.No. of units
58,075
58,075
2.Cash dividend
0.00
0.00
0.00
0.00
(18,939)
9,435
82.76%
52.03%
0.00
0.00
86.01%
52.75%
19.62%
4.68%
75.87%
75.73%
10.00
10.00

2.70
0.61
1.94%
4.65%
3.09%
0.87%
72.62%
76.51%
-0.12
0.27
I.Liquidity ratios

K.Cash flow ratio
112
Golden Arrow Selected Stocks Fund Limited

Items
2007
2008
1,308,525
1,237,941
614,539
675,993
35,093
21,499
658,893
540,449
2.Reserves
4.Others
41,876
34,883
20,913
2,086
2.Others
20,963
32,797
1,350,401
1,272,824
92,707
56,208
1,237,709
1,203,832
19,985
12,784
447,571
70,037
15,484
14,242
b.Dividend income
39,227
48,723
168,326
112,428
f.Capital gain
224,464
(105,356)

2.Investments
3.Others
1.Income (a to g)
g.Other income
70
31,136
34,846
20,913
25,768
812
7,586
6,206
2,101
2,060
536
5.Other
416,435
35,191
G.Other items
1.No. of units
122,908
122,907
2.Cash dividend
0.00
0.00
0.00
0.00
111,243
54,851
87.78%
0.10
0.00
0.00
93.04%
50.25%
30.84%
2.76%
67.17%
73.95%
5.00
5.50
3.39
0.29
6.87%
4.42%
0.03
2.74%
45.51%
53.11%
0.27
1.56

I.Liquidity ratios
K.Cash flow ratio
113
JS Growth Fund
Items
2007
2008
5,911,986
5,174,398
3,180,045
3,180,044
506,438
506,438
2,225,503
1,487,916
87,827
885,475
118,896
118,292
9,510
2.Reserves
4.Others
2.Others
767,183
109,386
6,797,461
5,381,121
1,811,357
336,439
2.Investments
4,810,140
5,006,067
175,964
38,615
1,563,264
(269,699)
3.Others
1.Income (a to g)
100,638
50,525
b.Dividend income
224,552
195,864
653,264
(18,642)
581,637
(497,446)
f.Capital gain
g.Other income
3,173
150,085
149,884
116,605
116,534
4,261
4,259
17,589
5,827
6,504
18,160
5.Other
5,126
5,104
1,413,179
(419,583)
318,004
318,004
2.Cash dividend
0.00
0.00
0.00
0.00
2,129,131
(646,759)
0.79
191.36%
0.00
0.00

G.Other items
1.No. of units

0.90
155.57%
20.79%
-0.08
77.69%
77.75%
10.00
10.00
4.44
-1.32
26.65%
6.25%
13.03%
2.21%
46.78%
0.59
1.51
1.54

I.Liquidity ratios

K.Cash flow ratio
114
JS Value Fund
Items
2007
2008
2,151,044
2,654,320

2.Reserves
4.Others
2.Others
1,185,750
1,185,750
10,000
10,000
955,294
1,458,570
1,469
347
226,432
23,106
38,012
4,152
188,420
18,954
2,378,945
2,677,773
885,244
758,217
1,469,071
1,908,853
24,630
10,703
709,634
922,276
67,195
81,403
b.Dividend income

2.Investments
3.Others
1.Income (a to g)
41,921
28,134
142,974
538,761
457,544
273,978
f.Capital gain
g.Other income
53,748
64,271
38,012
50,943
4,832
3,525
3,852
2,547
5,514
6,351
5.Other
1,538
905
655,886
858,005
118,575
118,575
0.00
0.00

G.Other items
1.No. of units
2.Cash dividend
0.00
0.00
784,961
333,551
84.62%
88.12%

0.00
0.00
92.43%
93.03%
27.57%
32.04%
70.72%
79.26%
10.00
10.00
5.53
7.24
37.21%
28.32%
9.52%
0.86%
49.84%
44.28%

I.Liquidity ratios
K.Cash flow ratio

1.20
0.39
115
Meezan Balanced Fund

Items
2007
2008
1,598,166
1,423,683
1,200,000
1,200,000
2.Reserves
398,166
223,683
105,133
11,451
47,908
6,851
2.Others
57,225
4,600
1,703,299
1,435,134
515,628
10,462
2.Investments
951,211
1,398,691
3.Others
236,460
25,981
380,620
70,836
38,658
67,825
b.Dividend income
55,009
38,248
18,791
(15,000)
118,118
67,904
149,823
(88,141)
221
55,658
53,319
4.Others


1.Income (a to g)
f.Capital gain
g.Other income
42,906
45,271
1,630
1,688
6,076
3,169
5,046
3,191
5.Other
324,962
17,517
120,000
120,000
2.Cash dividend
0.00
0.00
0.00
0.00
702,383
(211,039)

G.Other items
1.No. of units

75.39%
-49.74%
4.94%
-21.18%
85.38%
24.73%
19.08%
1.22%
77.09%
84.91%
10.00
10.00
2.71
0.15
30.27%
0.73%
6.17%
0.01
70.45%
83.62%
2.16
-12.05

I.Liquidity ratios
K.Cash flow ratio
116
NAMCO Balanced Fund

Items
2007
2008
1,136,571
1,011,363
1,000,000
1,000,000
136,571
11,363
4.Others
7,438
69,851
17,350
31,124
9,750
2.Others
38,727
7,600
1,206,422
1,036,151
2.Reserves

228,481
33,924
2.Investments
909,601
837,373
68,340
164,854
173,063
16,879
58,952
43,137
5,721
29,021
79,099
70,164
24,081
(126,937)
3.Others
1.Income (a to g)
b.Dividend income
f.Capital gain
g.Other income
5,210
1,494
36,492
42,086
22,114
32,617
1,498
1,235
12,743
7,910
5.Other
137
324
136,571
(25,207)
100,000
100,000
2.Cash dividend
0.00
0.00
0.00
0.00
(771,519)
(122,371)
62.63%
-3.28
0.00
0.00
78.91%
-149.34%
11.32%
-2.43%

G.Other items
1.No. of units


0.61
0.78
10.00
10.00
1.37
-0.25
18.94%
3.27%
5.79%
1.67%
82.89%
96.51%
-5.65
4.85
I.Liquidity ratios
K.Cash flow ratio
117
PICIC Energy Fund

Items
2007
2008
1,077,010
1,070,563
1,000,000
1,000,000
77,010
70,563
2.Reserves
4.Others
57,523
12,036
24,293
2,489
2.Others
33,230
9,547
1,134,533
1,082,599
502,776
128,035
2.Investments
617,107
939,203
14,650
15,361
3.Others
1.Income (a to g)
109,782
113,925
52,207
13,595
b.Dividend income
30,330
46,258

37,224
182,949
(12,086)
(128,877)
2,107
51,893
45,372
31,684
33,571
1,316
1,370
16,987
8,287
1,906
2,144
57,889
68,553

f.Capital gain
g.Other income
5.Other
G.Other items
1.No. of units
100,000
100,000
2.Cash dividend
0.00
0.00
0.00
0.00
26,076
(300,262)
24.82%
47.46%
0.00
0.00
52.73%
60.17%

0.05
6.33%
61.06%
73.99%
10.00
10.00
0.58
0.69
44.32%
11.83%
5.07%
1.11%
88.14%
92.37%
0.45
-4.38

I.Liquidity ratios
K.Cash flow ratio
118
PICIC Growth Fund

Items
2007
2008
10,496,433
8,291,928
2,835,000
2,835,000
2.Reserves
3,100,296
3,124,897
4,561,137
2,332,031
4.Others
2,992,500
2,992,500
702,260
109,291
245,018
18,807
2.Others
457,242
90,484
14,191,193
11,393,719
1,505,326
867,546
12,288,687
10,461,354
397,180
64,819
2,127,240
(291,248)
140,215
68,340
b.Dividend income
598,242
465,982

2.Investments
3.Others
1.Income (a to g)
882,486
184,399
498,733
(1,009,969)
f.Capital gain
g.Other income
7,564
338,072
307,733
245,018
249,134
7,458
7,603
77,982
45,795
7,614
5,201
1,789,168
(598,981)
283,500
283,500
2.Cash dividend
0.00
0.00
0.00
0.00
1,831,677
973,177
65.29%
283.46%
0.00
0.00
84.11%
205.66%
12.61%
-5.26%
72.48%
80.96%

5.Other
G.Other items
1.No. of units


10.00
10.00
6.31
-2.11
10.61%
7.61%
4.95%
0.96%
19.98%
24.88%
1.02
-1.62
I.Liquidity ratios
K.Cash flow ratio
119
PICIC Investment Fund

Items
2007
2008
4,190,783
2,944,741
2,841,250
2,841,250
225
225
2.Reserves
1,349,308
103,266
4.Others
2,083,126
2,121,000
381,140
76,448
110,963
8,442
2.Others
2.Investments
3.Others
270,177
68,006
6,655,049
5,142,189
783,179
425,377
5,637,334
4,684,995
234,536
31,817
1,261,168
(107,405)
64,227
37,218

1.Income (a to g)
b.Dividend income
260,111
194,769
660,874
179,034
274,706
(518,426)
f.Capital gain
1,250
174,310
144,199
110,963
111,802
4,128
4,170
53,736
24,131
g.Other income
5.Other
5,483
4,096
1,086,858
(251,604)
284,125
284,125
2.Cash dividend
0.00
0.00
0.00
0.00
1,053,318
628,795
74.28%
315.99%
0.00
0.00
86.18%
234.26%
16.33%
-4.89%
63.66%
77.53%
10.00
10.00
3.83
-0.89
11.77%
8.27%
5.73%
1.49%
42.69%
55.25%
0.97
-2.50

G.Other items
1.No. of units


I.Liquidity ratios
K.Cash flow ratio
120
Pak Oman Advantage Fund

Items
2007
2008
1,023,307
1,103,750
1,000,000
1,000,000
2.Reserves
23,307
103,750
3,366
10,970
10,561
9,190
9,952
7,639
609
1,551
1,037,234
1,123,910
237,604
254,595
2.Investments
647,155
833,058
3.Others
152,475
36,257
4.Others
2.Others
1.Income (a to g)
27,568
120,221
18,986
115,526
b.Dividend income
671
1,952
f.Capital gain
6,472
2,415
g.Other income
1,439
328
4,261
18,273
1,832
13,464
287
1,230
92
191
2,050
3,353
35
23,307
101,948
100,000
10,000
0.00
0.00
5.Other
G.Other items
1.No. of units
2.Cash dividend
0.00
0.00
(762,396)
38,491
31.13%
3.91%

0.00
0.00
84.54%
0.85
2.25%
9.07%
42.99%
73.68%
10.00
100.00
0.23
10.19
22.91%
22.65%
1.02%
0.82%
96.41%
88.98%
-32.71
0.38

I.Liquidity ratios
K.Cash flow ratio
121
Safeway Mutual Fund

Items
2007
2008
1,122,223
884,832
544,500
544,500
2.Reserves
211,969
105,678
365,754
234,654
27,270
7,687
16,614
1,706
2.Others
10,656
5,981
1,149,493
892,519
98,877
13,066
1,038,085
846,114
12,531
33,339
253,665
6,554
4.Others

2.Investments
3.Others
1.Income (a to g)
1,427
17,759
31,549
224,189
110,830
6,455
(144,856)
5,262
7,604
34,702
28,754
b.Dividend income

f.Capital gain
g.Other income
16,614
20,933
1,471
1,254
2,772
5,044

5.Other
15,316
52
218,963
(22,200)
54,450
54,450
2.Cash dividend
0.00
0.00
0.00
0.00
89,679
(85,812)
0.93
-403.14%
0.00
0.00
86.32%
-338.72%
19.05%
-2.49%
47.88%
0.73
10.00
10.00
4.02
-0.41
0.09
1.46%
2.37%
0.86%

G.Other items
1.No. of units


I.Liquidity ratios
47.37%
61.01%
0.41
3.87
K.Cash flow ratio

122
2011
MODARABA COMPANIES
Modaraba Companies performed well during FY11. Total assets increased from Rs. 24.5 billion in
FY10 to Rs 26.3 billion in FY11 showing an increase of 7.6 percent over FY10. Total equity
witnessed an increase of 7.6 percent in FY11 over FY10. Profit before and after tax, significantly
increased by 74.5 percent & 67.2 percent respectively in FY11.
All major components of the balance sheet, i.e.,
Components of Balance Sheets
assets, liabilities, and certificate holders equity
30
25
witnessed increases in FY11 over FY10. Total
7.60%
20
15
equity increased from Rs 11.4 billion in FY10

10
to Rs 12.3 billion in FY11 showing an increase

0
Total Equity
of around 7.6 percent. Total assets at Rs 26.3

FY 10
11.4
FY 11
12.3
billion in FY11 increased from 24.5 billion in

Growth
7.60%
FY10, showing an increase of 7.6 percent in

FY11. Reserves increased by 12.5 percent during FY11. In absolute terms, the amount of reserves
increased from Rs. 4.2 billion in FY10 to Rs. 4.8 billion in FY11. Total certificate capital increased by
3.6 percent in FY11 over FY10. Long-term investments increased from Rs 2.3 billion to Rs. 2.8
billion during the current year.
Gross revenue increased from Rs 5.3 billion in
Operating Profit
Operating Expenses
FY10 to Rs 5.9 billion in FY11, recording an

increase of around 11.5 percent over FY10. On
15
the other hand, operating expenses increased by

10
4.6
4.1
7.8 percent in FY11
over FY10. Operating
1.2
profit increased from Rs 4.1 billion to Rs 4.6
5.9
5.3
billion in FY11 i.e. an increase of 12.5 percent

0
FY 10
FY 11
over FY10. Profit before tax increased to Rs 1.4

billion in FY11 as compared to Rs 799 million in FY10, recording an increase of 74.5 percent in FY11
123
2011
over FY10. Similarly, profit after tax also increased from Rs 781 million in FY10 to Rs 1.3 billio
FY11, registering an increase of around 67.2 percent.
Return on assets (ROA), return on equity (ROE)
FY 11
and Return on capital employed
(ROCE)
FY 10
4.95%
ROA
3.19%
witnessed increase in FY11 over FY10. ROA

increased from 3.19 percent in FY10 to 4.95
percent in FY11. ROE incr

percent to
6.82
10.60 percent in FY11. Similarly,
(ROCE) also increased from 5.31 percent to
8.69 percent in FY11 over FY10. Breakup value

per certificate increased from Rs 12.36 per certificate in FY10 to Rs. 12.87 per certificate in FY11.
124
Modarba Comapnies - Overall

Items
2007
2008
10,275,032
10,890,240
1.Certificate capital
7,079,743
7,422,645
2.Reserves
3,870,413
3,682,816
3.Unappropriated profit
(675,124)
(215,221)
4.Others
1.Current liablities
359,923
498,561
14,700,635
17,278,012
9,831,839
10,139,280
4,868,796
7,138,732
25,335,590
28,666,813
12,030,150
13,697,734
1,327,204
1,252,489
10,702,947
12,445,245
13,305,440
14,969,079
a.Fixed assets
4,872,096
7,635,615
4,914,633
4,012,698
3,518,711
3,320,766
1.Gross revenue(loss)
4,831,869
5,849,848
2.Operating expenses
1,684,052
1,907,021
3.Operating profit
3,147,931
3,473,593
84,008
35,387
717,275
870,025
712,393
852,807
1,028,372
843,061
4.Modaraba co's management fees
E.Other items
1.No. of certificates
2.Cash dividend
N/A
N/A
N/A
N/A
662,910
(692,866)
6.93%
7.83%
4.63%
0.05
2.81%
2.97%
14.74%
14.58%
236.39%
223.62%
4.99%
1.86%
0.69
1.01
1.Current asssets to current liabilities (C1/B1) (times)
1.22
1.35
0.58
0.60
0.19
0.14
40.56%
37.99%
9.99
12.92
0.93
-0.81
0.07
-0.07
4.Return on revenue (D6/D1)

6.Management expenses (D4/D2)
7.Earning Per Certificate (D6/E1)
G.Liquidity Ratios

2.Break up value per certificate (A/E1)
I.Cash flow ratio
125
Modaraba Al-Mali
Items
2007
2008
232,220
238,341
184,240
184,240
2.Reserves
54,229
55,453
(6,249)
(1,352)
547
1,039
78,096
69,776
41,870
48,266
36,226
21,510
310,863
309,156
182,599
145,410
4.Others
45,038
72,278
137,561
73,132
128,264
163,746
a.Fixed assets
73,794
125,644
17,520
27,545
36,950
10,557
57,841
36,620
41,265
38,800
3.Operating profit
16,576
(2,180)
(11,727)
6,120
(11,727)
6,120
18,424
18,424
0.00
0.03
E.Other items
2.Cash dividend
0.00
0.00
62,379
98,787
-0.05%
2.57%
-0.04%
2.35%
-0.04%
1.98%
0.00
16.71%
-3.52%
633.99%
0.00
0.00
-0.64
0.33
4.36
3.01


G.Liquidity Ratios
0.25
0.23
0.06%
8.91%
0.75%
77.09%
12.60
12.94
-5.32
16.14
1.49
2.05

I.Cash flow ratio
126
Al-Noor Modaraba
Items
2007
2008
291,395
313,462
210,000
210,000
67,772
79,628
2.Reserves
13,623
23,834
4.Others
(1,697)
(18,622)
43,407
34,996
35,902
27,556
7,505
7,440
333,105
329,836
223,314
205,998
68,461
9,568
154,853
196,430
109,791
123,838
a.Fixed assets
56,456
76,032
53,335
43,966
3,840
52,664
67,348
9,225
9,413
43,439
57,935
1,871
3,589
16,839
32,301
16,656
31,991
21,000
21,000
2.Cash dividend
0.06
0.10
0.00
0.00
76,399
7,086
0.06%
10.21%

3.Operating profit
E.Other items

0.06%
10.69%
0.05%
0.10
0.32%
0.48
0.55%
29.42%
0.00
38.13%
0.79
1.52
6.22
7.48
0.13
0.11
0.16%
13.33%
0.88%
95.04%
13.88
14.93
4.59
0.22
2.13
0.26
G.Liquidity Ratios

I.Cash flow ratio
127
Allied Rental Modaraba

Items
2007
2008
2.Reserves
4.Others
a.Fixed assets
3.Operating profit
2.Cash dividend
E.Other items
G.Liquidity Ratios
I.Cash flow ratio
128
B.F. Modaraba
Items
2007
2008
80,533
87,379
59,119
63,553
2.Reserves
13,054
15,108
8,360
8,718
4.Others
10,267
5,933
3,085
3,279
2,862
3,158
223
121
93,885
96,591
90,753
95,048
8,235
25,109
82,519
69,939
3,132
1,543
951
808
2,181
735
10,254
11,014
1,641
1,845
3.Operating profit
8,613
9,169
773
847
6,958
7,626
6,155
6,846
5,912
6,355
0.00
0.00

a.Fixed assets
E.Other items
2.Cash dividend
0.08
0.08
(21,996)
10,527
0.08%
7.83%
0.08%
8.16%
0.07%
7.09%
0.01
62.16%
0.27%
26.95%
0.47%
45.91%
1.04
1.08
31.71
30.10


G.Liquidity Ratios
0.03
0.03
0.02%
0.76%
0.86%
90.46%
13.62
13.75
-3.57
1.54
-7.69
3.33

I.Cash flow ratio
129
B.R.R. Guardian Modaraba

Items
2007
2008
1,310,919
1,396,251
780,462
780,462
2.Reserves
455,853
539,522
74,604
76,267
324,222
437,033
2,558,811
2,682,433
1,850,802
1,541,160
4.Others
708,009
1,141,273
4,193,952
4,515,717
1,970,292
2,296,937
12,950
9,881
1,957,342
2,287,056
2,223,660
2,218,780
a.Fixed assets
182,585
986,678
136,781
166,024
1,904,294
1,066,078
885,526
921,625
91,591
98,877
793,935
822,748
14,582
16,852
131,241
151,671
147,102
151,671
78,046
78,046
2.Cash dividend
0.09
0.09
0.00
0.00
658,968
492,751
0.11%
10.86%
0.06%
0.05
0.04%
3.36%
0.17%
16.46%
0.62%
65.19%
0.16%
17.04%
1.89
1.94
1.07
1.49
0.61
0.59
0.03%
3.68%
0.31%
30.92%

3.Operating profit
E.Other items


G.Liquidity Ratios

16.80
17.89
4.48
3.25
0.36
0.32
I.Cash flow ratio
130
Constellation Modaraba
Items
2007
2008
75,571
74,736
64,625
64,625
2.Reserves
5,867
5,927
5,079
4,184
4.Others
6,361
6,573
6,361
6,573
81,932
81,309
25,233
24,595
12,329
21
12,904
24,574
56,699
56,714
699
714
23,000
23,000
33,000
33,000
8,582
4,357
4,228
332
3.Operating profit
4,354
4,025
a.Fixed assets
94
30
937
301
894
301
E.Other items
6,462
6,462
2.Cash dividend
0.00
0.00
0.00
0.00
96,056
(17,078)
0.01%
0.00
0.01%
0.00


0.01%
0.37%
0.00
6.91%
4.73%
1.10
0.02%
9.04%
0.14
0.05
3.97
3.74
0.08
0.08
0.28%
28.29%
0.92%
91.92%
11.70
11.57
107.45
-56.74
15.10
-2.60

G.Liquidity Ratios

I.Cash flow ratio
131
Crescent Standard Modaraba

Items
2007
2008
108,602
109,140
200,000
200,000
4,288
4,557
(95,686)
(95,417)
(1,311)
23,652
23,108
23,652
23,108
132,254
130,937
132,254
130,619
286
16,088
131,968
114,531
318
a.Fixed assets
318
178
1,417
646
1,822
(468)
(405)
2.Reserves
4.Others

3.Operating profit
538
538
538
538
20,000
20,000
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
2,770
42,512
0.01%
0.49%
0.01%
0.01
0.00
0.41%
3.02%
37.97%
0.01
338.66%
0.00
0.00
0.03
0.03
5.59
5.65
0.18
0.18
0.00
0.00
0.82%
83.35%
5.43
5.46
5.15
79.02
0.12
1.84


G.Liquidity Ratios

I.Cash flow ratio
132
Elite Capital Modaraba

Items
2007
2008
123,951
118,182
113,400
113,400
2.Reserves
10,551
4,782
4.Others
18,767
25,553

6,974
12,717
11,793
12,836
142,718
143,735
82,860
67,337
13,665
13,961
69,195
53,376
59,858
76,398
1,712
1,791
20,635
25,371
37,511
49,236
30,263
35,809
8,641
10,065
a.Fixed assets
3.Operating profit
21,622
25,744
1,069
1,095
9,623
9,854
9,623
9,854
11,340
11,340
2.Cash dividend
0.06
0.06
0.00
0.00
23,176
5,755
0.08%
8.34%
0.07%
7.52%
0.07%
6.86%
0.32%
27.52%
0.01
102.14%
0.12%
10.88%
0.85
0.87
11.88
5.30
0.13
0.18
0.15%
17.65%
0.87%
82.22%
10.93
10.42
2.41
0.58
3.32
0.45
E.Other items


G.Liquidity Ratios
I.Cash flow ratio
133
Equity Modaraba
Items
2007
2008
582,748
574,163
524,400
524,400
2.Reserves
66,096
75,543
(7,748)
(25,780)
4.Others
58,671
64,951
57,732
63,842
939
1,109
641,419
639,114
287,273
248,798
116,157
52,857
171,116
195,941
354,146
390,316
12,460
16,964
297,036
309,231
44,650
64,121
39,582
26,155
20,399
20,966
3.Operating profit
19,183
5,189
a.Fixed assets
19,810
7,566
18,000
7,367
E.Other items
52,440
52,440
2.Cash dividend
0.03
0.00
0.00
0.00
63,664
(30,463)
0.03%
1.28%
0.03%
1.32%
0.03%
1.15%
0.46%
28.17%
1.13%
284.59%
0.00
0.00
0.34
0.14
4.98
3.90
0.09
0.10
0.46%
48.38%
0.91%
89.84%
11.11
10.95

G.Liquidity Ratios

I.Cash flow ratio

3.54
-4.14
1.10
-0.48
134
Fidelity Leasing Modaraba

Items
2007
2008
348,724
351,545
264,138
264,138
2.Reserves
58,005
58,064
26,581
29,343
168,041
142,696
101,047
60,781
66,994
81,915
516,765
494,241
204,416
155,691
40,429
34,160
163,987
121,531
312,349
338,550
a.Fixed assets
158,927
181,426
20,158
57,195
133,264
99,929
82,616
118,948
22,106
24,960
3.Operating profit
60,510
93,988
3,689
4,631
33,207
41,680
33,207
41,680
26,413
26,413
2.Cash dividend
0.10
0.10
0.00
0.00
34,622
(8,589)
4.Others
E.Other items

0.00
11.86%
0.08%
9.62%
0.06%
8.43%
0.00
35.04%
0.67%
59.88%
0.17%
18.55%
1.26
1.58
2.02
2.56

G.Liquidity Ratios
0.33
0.29
0.04%
11.57%
0.68%
71.13%
13.20
13.31
1.04
-0.21
0.34
-0.14

I.Cash flow ratio
135
First Imrooz Modaraba

Items
2007
2008
96,064
92,442
30,000
30,000
2.Reserves
44,089
47,123
21,975
15,319
48,870
115,434
45,296
110,573
3,574
4,861
144,934
207,876
139,880
201,130
4.Others
45,180
57,750
94,700
143,380
5,054
6,746
a.Fixed assets
5,041
6,746
13
56,033
51,205
18,709
20,795
3.Operating profit
37,324
30,410
2,931
2,712

38,938
31,185
24,983
15,167
3,000
3,000
2.Cash dividend
0.65
0.40
0.00
0.00
62,081
9,214
0.26%
0.16%
0.39%
0.32%
0.17%
0.07%
0.45%
0.00
0.75%
1.37%
0.16%
0.13%
8.33
5.06
3.09
1.82
0.34
0.56
0.00
0.00
0.66%
0.45%
32.02
30.81
2.49
0.61
1.37
0.08
E.Other items


G.Liquidity Ratios

I.Cash flow ratio
136
Habib Bank Modaraba

Items
2007
2008
663,466
620,804
397,072
397,072
2.Reserves
266,394
223,732
4.Others
545,629
528,289
343,016
347,426
202,613
180,863
1,209,095
1,149,093
193,927
92,060
18,385
9,514
175,542
82,546
1,015,168
1,057,033
1,347
1,048,156
40,370
8,125
973,451
752
568,972
494,439
8,936
9,137
560,036
485,302

a.Fixed assets
3.Operating profit
5,820
2,334
52,377
21,012
52,377
21,012
E.Other items
39,707
39,707
2.Cash dividend
0.13
0.05
0.00
0.00
58,259
41,654
0.08%
3.38%
0.06%
2.62%
0.04%
1.83%
0.09%
4.25%
0.17%
43.48%
0.65%
25.54%
1.32
0.53
0.57
0.26
0.45
0.46
0.03%
0.71%
0.55%
54.03%
16.71
15.63
1.11
1.98
0.17
0.12


G.Liquidity Ratios

I.Cash flow ratio
137
Habib Modaraba
Items
2007
2008
2,497,691
2,846,818
504,000
1,008,000
1,888,247
1,619,090
105,444
219,728
2,503,211
1,178,832
1,811,583
778,516
691,628
400,316
5,000,902
4,025,650
1,808,282
1,303,313
125,153
150,213
1,683,129
1,153,100
3,192,620
2,722,337
a.Fixed assets
3,191,309
2,713,543
1,164
1,211
147
7,583
1,502,963
1,666,786
1,248,616
1,390,608
254,347
276,178
16,590
(29,873)
149,310
268,855
149,310
268,855
100,800
201,600
2.Cash dividend
0.20
0.21
0.00
0.00
(232,787)
559,621
5.98%
9.44%
4.68%
8.28%
2.99%
6.68%
9.93%
16.13%
836.26%
517.23%
1.33%
-2.15%
1.48
1.33
1.00
1.67
0.50
0.29
0.02%
0.03%
49.94%
70.72%
24.78
14.12
2.Reserves
4.Others
3.Operating profit
E.Other items


G.Liquidity Ratios

I.Cash flow ratio
-1.56
2.08
-0.13
0.72
138
IBL Modaraba
Items
2007
2008
164,437
171,959
116,875
116,875
2.Reserves
35,409
48,348
12,153
6,736
85,000
42,819
17,568
42,458
3,695
361
13,873
207,256
274,527
193,396
215,711
4.Others

a.Fixed assets
18,683
21,956
174,713
193,755
13,860
58,816
993
27,405
12,842
25
31,411
17,168
25,619

5,068
13,680
12,100
11,939
905
546
8,144
4,916
8,144
4,916
11,687
11,687
0.08
0.05
3.Operating profit
E.Other items
2.Cash dividend
0.00
0.00
(83,692)
(25,767)
0.05%
2.86%
0.05%
1.82%
0.04%
1.79%
0.47%
19.19%

0.62%
278.28%
0.18%
3.99%
0.70
0.42
4.56
58.38
0.21
0.06
0.06%
0.00
0.79%
62.64%
14.07
14.71
-10.28
-5.24
-1.97
-6.97

G.Liquidity Ratios

I.Cash flow ratio
139
KASB Modaraba
Items
2007
2008
52,872
42,716
83,160
83,160
8,733
8,734
(39,021)
(49,178)
19,958
1,892
169,833
1,398
80,309
2.Reserves
4.Others
494
89,524
54,764
232,507
53,111
125,038
42,795
33,845
10,316
91,193
1,653
107,469
556
1,803
1,097
105,666
5,329
10,700
2,220
14,516
3.Operating profit
3,109
(3,816)
227
2,047
7,428
a.Fixed assets

2,227
8,078
E.Other items
8,316
8,316
2.Cash dividend
0.03
0.00
0.00
0.00
11,264
(174,184)
0.04%
18.91%
0.04%
4.88%
0.04%
3.47%

0.42%
0.76
0.01
1.80
0.00
0.00
0.27
0.97
37.99
1.56
0.04
0.73
0.00
0.00
0.97%
18.37%
6.36
5.14
5.06
-21.56
8.06
-2.17
G.Liquidity Ratios

I.Cash flow ratio
140
National Bank Modaraba

Items
2007
2008
313,090
319,530
250,000
250,000
63,090
24,906
44,624
2.Reserves
4.Others
(13,057)
1,888,405
2,472,502
1,233,699
1,640,342
654,706
832,160
2,201,495
2,778,975
1,238,069
1,599,576
6,795
12,265

a.Fixed assets
1,231,274
1,587,311
963,426
1,179,399
853
1,998
959,733
1,176,562
2,840
839
222,132
227,964
14,119
16,432
208,013
211,532
4,613
3,529
41,516
31,763
41,516
31,763
25,000
25,000
2.Cash dividend
0.12
0.10
0.00
0.00
100,973
398,409
0.13%
9.94%
0.04%
2.79%
0.02%
1.14%
0.19%
13.93%
0.34%
51.73%
0.33%
21.48%
1.66
1.27
1.00
0.98
0.86
0.89
0.44%
42.34%
3.Operating profit
E.Other items


G.Liquidity Ratios

0.14%
0.12
12.52
12.78
2.43
12.54
0.08
0.24

I.Cash flow ratio
141
Pak Modaraba
Items
2007
2008

2.Reserves
97,552
96,920
125,400
125,400
16,521
15,710
(44,369)
(44,190)
5,650
5,240
4,836
3,932
814
1,308
103,202
102,160
98,369
96,590
52,956
44,470
45,413
52,120
4,833
5,570
212
80
4.Others
a.Fixed assets
4,401
220
5,490
11,254
14,282
4,796
3,319
3.Operating profit
6,458
10,963
719
490
6,469
6,121
6,469
5,631
12,540
12,540
0.03
0.03

E.Other items
2.Cash dividend
0.00
0.00
4,217
(6,315)
0.07%
5.81%
0.07%
6.23%
0.06%
5.51%
0.58%
39.43%
0.74%
58.94%
0.15%
14.76%
0.52
0.45
20.34
24.57


G.Liquidity Ratios
0.06
0.05
0.04%
0.00
0.95%
94.87%
7.78
7.73
0.65
-1.12

I.Cash flow ratio
0.87
-1.61
142
Paramount Modaraba
Items
2007
2008
103,047
108,957
58,633
58,633
2.Reserves
37,521
41,229
6,893
9,095
62,145
96,827
45,490
78,899
4.Others
16,655
17,928
165,192
205,784
79,873
107,105
10,504
37,777
69,369
69,328
85,319
98,679
a.Fixed assets
53,122
53,830
3,126
3,577
29,071
41,272
17,461
28,339
5,184
6,936
12,277
21,403
934
1,373
8,408
12,359
8,394
12,359
5,863
5,863
2.Cash dividend
0.11
0.14
0.00
0.00
14,646
33,147
0.08%
11.34%
0.07%
9.74%
0.05%
6.01%
0.48%
43.61%
0.62%
56.12%
3.Operating profit
E.Other items

0.18%
0.20
1.43
2.11
1.76
1.36
0.38
0.47
0.02%
1.74%
0.62%
52.95%
17.58
18.58
1.75
2.68
0.32
0.42

G.Liquidity Ratios

I.Cash flow ratio
143
Prudential Modaraba
Items
2007
2008
586,655
601,944
872,177
872,177
99,077
113,586
(384,599)
(383,819)
2.Reserves
4.Others
(1,311)
136,092
151,660
49,750
90,195
86,342
61,465
721,436
753,604
403,681
498,192
191,801
161,758
211,880
336,434
317,755
255,412
3,265
1,877
22,965
6,809
291,525
246,726
130,838
148,549
19,657
17,934
111,181
130,615
a.Fixed assets
3.Operating profit
6,043
4,653
55,519
41,788
54,391
41,455
E.Other items
87,218
87,218
2.Cash dividend
0.03
0.03
0.00
0.00
112,019
(17,336)
0.09%
6.89%
0.08%
0.06
0.08%
0.06
0.42%
27.91%
0.36%
43.26%
0.31%
25.95%
0.62
0.48
8.11
5.52
0.19
0.20
0.03%
0.01
0.81%
79.88%
6.73
6.90
2.06
-0.42
2.25
-0.19


G.Liquidity Ratios

I.Cash flow ratio
144
Punjab Modaraba
Items
2007
2008
463,978
443,635
340,200
340,200
2.Reserves
105,578
110,684
18,200
(7,249)
4.Others
1,334,171
3,150,969
1,199,072
2,021,160
135,099
1,129,809
1,798,149
3,594,604
999,847
1,724,383
48,222
38,611
951,625
1,685,772
798,302
1,870,221
a.Fixed assets
792,315
1,802,881
10,785
5,987
56,555
435,314
715,988

10,270
18,172
425,044
697,816
2,912
1,891
26,211
17,019
26,211
17,019
34,020
34,020
0.06
3.02%
3.Operating profit
E.Other items
2.Cash dividend
0.00
0.00
58,013
(1,473,786)
0.06%
3.84%
0.04%
1.08%
0.02%
0.47%
0.06%
2.38%
0.39%
106.77%
0.28%
10.41%
0.77
0.50
0.83
0.85
0.74
0.88
0.00
0.00
0.26%
12.34%
13.64
13.04
2.21
-86.60
0.05
-0.73


G.Liquidity Ratios

I.Cash flow ratio
145
Standard Chartered Modaraba

Items
2007
2008
859,867
892,332
432,224
453,835
2.Reserves
353,685
351,533
73,958
86,964
1,700,892
2,183,668
1,267,526
1,782,628
4.Others
433,366
401,040
2,560,759
3,076,000
1,043,836
1,253,455
14,744
16,420
1,029,092
1,237,035
1,516,923
1,822,545
4,341
4,036
1,512,502
1,818,509
80
252,738
273,008
38,570
42,873
214,168
230,135
9,133
10,811
82,196
97,299
82,196
97,299
43,222
45,383
2.Cash dividend
0.15
0.16
0.05
0.00
84,100
(296,283)
0.00
0.11
0.06%
7.52%
0.03%
3.16%
0.33%
35.64%
0.47%
44.06%
0.24%
25.22%
1.90
2.14
0.82
0.70
0.66
0.71
0.59%
59.12%
0.34%
29.01%
19.89
19.66
1.02
-3.05
0.07
-0.17
a.Fixed assets
3.Operating profit
E.Other items


G.Liquidity Ratios

I.Cash flow ratio
146
Treet Manufacaturing Modaraba

Items
2007
2008
111,649
142,857
2.Reserves
(31,208)
4.Others
423,589
39,754
383,835
535,238
378,932
16,539
362,393
156,306
a.Fixed assets
156,266
40
489,112
19,877
3.Operating profit
(15,618)
(15,618)
14,286
2.Cash dividend
0.00
0.00
(242,943)
-13.99%
-3.15%
-2.92%
-3.19%
-127.27%
0.00
E.Other items
-1.09
9.53
0.79
0.00
20.86%
7.82
15.56
-6.11
G.Liquidity Ratios
I.Cash flow ratio
147
Tri-Star Modaraba
Items
2007
2008
199,353
199,858
211,631
211,631
26,075
26,176
(38,353)
(37,949)
4.Others
(12,773)
(11,890)
6,124
37,633
6,124
37,633
192,704
225,601
88,098
132,947
341
269
87,757
132,678
104,606
92,654
2.Reserves
a.Fixed assets
348
8,909
90,766
83,720
13,492
25
9,059
3,847
3,469
3,342
3.Operating profit
5,590
505
500
5,089
504
5,089
504
E.Other items
2.Cash dividend
21,163
21,163
0.00
0.00
0.00
0.00
(3,586)
(7,003)
0.03%
0.25%
0.03%
0.27%
0.03%
0.22%
0.56%
0.13
0.68%
6.63
0.14%
0.00
0.24
0.02
14.39
3.53


G.Liquidity Ratios
0.03
0.17
0.47%
37.11%
1.04%
88.59%
9.42
9.44
-0.71
-13.89
-0.59
-0.19

I.Cash flow ratio
148
Trust Modaraba
Items
2007
2008
254,685
243,563
273,000
273,000
2.Reserves
(18,315)
(29,437)
4.Others
65,021
28,005
62,328
25,943
2,693
2,062
319,706
271,568
235,880
203,502

1,009
3,205
234,871
200,297
83,826
68,066
a.Fixed assets
53,289
45,830
30,199
21,953
338
283
27,762
18,674
12,305
15,757
3.Operating profit
15,457
2,917
(61,938)
(1,933)
(64,925)
(1,671)
27,300
27,300
2.Cash dividend
0.00
0.00
0.00
0.00
7,445
44,262
-0.26%
-0.69%
-0.24%
-0.79%

E.Other items

0.00
-0.62%
-2.34%
-8.95%
-0.19%
-942.97%
0.00
0.00
-2.38
-0.06
3.78
7.84
0.20
0.10
0.09%
8.08%
0.01
89.69%
9.33
8.92
-0.12
-26.49
0.12
1.71
G.Liquidity Ratios

I.Cash flow ratio
149
UDL Modaraba
Items
2007
2008
404,130
439,590
263,866
263,866
2.Reserves
97,608
127,761
42,656
47,963
4.Others
19,131
(1,436)
137,415
150,044
23,853
30,400
113,562
119,644
560,676
588,198
447,722
443,867
220,363
226,524
227,359
217,343

112,954
144,331
a.Fixed assets
50,321
88,293
62,559
55,964
74
74
72,793
69,083
9,993
11,114
62,800
57,969

3.Operating profit
5,691
6,233
51,216
56,093
51,216
56,093
E.Other items
26,387
26,386
2.Cash dividend
0.10
0.10
0.00
0.00
53,415
67,326
0.13%
12.76%
0.00
10.06%
0.09%
9.54%

0.01
0.81
0.00
19.81%
0.57%
56.08%
1.94
2.13
18.77
14.60
0.25
0.26
0.11%
9.51%
0.72%
74.74%
15.32
16.66
1.04
1.20
2.24
2.21

G.Liquidity Ratios
I.Cash flow ratio
150
Unicap Modaraba
Items
2007
2008
1,168
1,953
136,400
136,400
8,582
8,739
(143,814)
(143,186)
3,746
3,622
3,746
3,622
4,914
5,575
2.Reserves
4.Others
113
731
14
647
99
84
4,801
4,844
a.Fixed assets
4,801
4,844
436
397
270
265
3.Operating profit
166
132
424
784
424
784
13,640
13,640
2.Cash dividend
0.00
0.00
0.00
0.00
(15)
633
0.36%
40.14%
0.36%
40.14%
0.09%
14.06%
0.97%
197.48%
E.Other items
0.64%
0.34
0.00
0.00
0.03
0.06
G.Liquidity Ratios
0.03
0.20
0.76
0.65
0.98%
86.89%
0.24%
35.03%
0.09
0.14
-0.04
0.81
0.00
0.17

I.Cash flow ratio
151
2011
EXCHANGE COMPANIES
Exchange Companies exhibited an expansion in their balance sheet size during the period under
review. Total assets increased by 5.7 percent to stand at around Rs 7.6 billion during CY11 as
compared to Rs 7.2 billion in CY10. Decrease in profit before and after taxation of 31.0 percent and
39.9 percent respectively was recorded in CY11 over CY10.
Total equity increased from Rs 5.4 billion in
Components of Balance Sheet
CY10 to Rs 6.2 billion in CY11 about 14.9
percent over CY11. Total assets increased to 7.6
billion in CY11
from
7.2
recording an increase of 5.7 percent. Analysis
also reveals that the exchange companies were
holding around 50.8 percent of their total assets

in the form of highly liquid assets, i.e., cash and
bank balances because of their nature of business. Further, the formation of total equity has mainly
been through share capital which was around 89 & 88 percent in CY10 and CY11 respectively.
Gross revenue reached Rs 2.0 billion in CY11 showing an increase of 6.7 percent. Administrative and
general expenses increased from Rs 1.5 billion in CY10 to Rs 1.6 billion in CY11. Administrative and
Profit After Taxation
2500
2005.1
1878.6
700.0
2000
1621.5
1479.2
600.0
1500
254.5
500.0
1000
400.0
300.0
500
386.0
200.0
0
CY 10
100.0
CY 11
0.0
CY 10
Revenue
Admin. And Gen. Exp.
general expenses were 78.7 percent of the gross revenue in CY10 which increased to 80.9 percent in
CY11, showing reduced operating efficiency in CY11 compared to CY10. Profit before tax decreased
from Rs 386.0 million in CY10 to Rs 266.2 million in CY11, registering a decrease of 31.0 percent in
152
2011
CY11. Similarly, profit after tax decreased from Rs 254.5 million in CY10 to Rs 152.9 million in
CY11, recording a decrease of 39.9 percent.
Return on capital employed (ROCE) and Return
2.50%
ROE
on Assets (ROA) decreased from 6.72 percent
4.70%
to 4.12 percent and 3.54 percent to 2.01 percent

4.10%
ROCE
CY 11
respectively in CY11. Return on Equity also
6.70%
CY 10
decreased from 4.71 percent to 2.46 percent in

0.0
ROA
CY11. Breakup value per share increased from

3.50%
Rs. 20.95 to Rs. 22.61 in CY11.

0.0
0.0
0.0
153
Exchange Companies - Overall

Items
2007
2008
4,597,012
4,998,006
1.Share capital
4,424,258
4,895,275
2.Reserves
45,000
127,754
102,731
52,580
45,348
1,235,190
1,628,023
827,732
1,098,330
407,458
529,693
5,884,782
6,671,377
1.Current assets(a + b)
4,255,420
4,716,762
a.Cash & bank balances
2,669,485
2,770,981
b.Other assets
1,585,935
1,945,781
2.Non-current assets (a + b)
1,629,362
1,954,615
a.Fixed assets
476,006
750,108
b.Other assets
1,153,356
1,204,507
1.Revenue
987,907
1,656,131
2.Administrative and general expense
722,931
1,416,706
91,677
114,884
21,897
91,581
252,165
271,240
3.Accumulated profit (loss)

4.Others
E.Other items
2.Cash dividend
N/A
N/A
3.Stock dividend/bonua shares
N/A
N/A
40,689
(3,407,508)
0.48%
1.83%
2.Return on capital employed (ROCE) (D3/C-B1)
1.81%
2.06%
0.37%
1.37%
7.89
12.33
0.09
0.34
45.36%
41.54%
5.14
4.29
20.99%
0.24
78.12%
74.92%
18.23
18.43
1.86
-37.21
0.05
-3.10
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total llabilities to total assets (B/C)
H.Capital /lverage ratios
I.Cash flow ratios
154
AA Exchange Company (Pvt) Ltd.

Items
2007
2008
102,201
118,497
1.Share capital
100,000
115,000
2,201
3,497
4.Others
4,796
30,000
6,810
45,170
4,541
22,862
2,269
22,308
2.Reserves
113,807
193,667
74,151
150,341
66,661
138,070
7,490
12,271
b.Other assets
39,656
43,326
a.Fixed assets
4,419
6,292
b.Other assets
35,237
37,034

1.Revenue
12,315
22,607
9,273
20,722
5,046
2,454
4,127
1,296
10,000
11,500
2.Cash dividend
0.00
0.00
0.00
0.00
3,644
14,779
4.04%
1.09%
4.62%
1.44%
E.Other items

3.63%
0.67%
1.84
8.44
0.41
0.11
58.57%
71.29%
16.33
6.58
5.98%
23.32%
0.90
61.19%
10.22
10.30
G.Liquidity ratios
I.Cash flow ratios
0.88
11.40
0.80
0.65
155
Al-Hameed Intl. Money Ex (Pvt) Ltd.

Items
1.Share capital
2.Reserves
2007
2008
96,846
198,148
100,000
200,000
(3,154)
(1,852)
5,079
4,826
35,634
28,396
32,373
26,900
3,261
1,496
137,559
231,370
44,168
52,105
23,822
23,714
b.Other assets
20,346
28,391
93,391
179,265
a.Fixed assets
63,497
124,396
b.Other assets
29,894
54,869
1.Revenue
8,572
11,094
7,659
7,877

4.Others
(4,878)
(660)
(4,678)
1,049
100
200
2.Cash dividend
0.00
0.00
0.00
0.00
(2,390)
(19,602)
E.Other items

-4.83%
0.53%
-4.64%
-0.32%
-0.03
0.45%
-1.57
-11.93
-46.78
5.25
17.32%
10.25%

G.Liquidity ratios
1.36
1.94
0.26
12.27%
0.70
85.64%
968.46
990.74
0.51
-18.69
-0.07
-0.73

I.Cash flow ratios
156
Al-Rahim Exchange Company (Pvt.) Ltd.

Items
2007
2008
193,151
199,356
1.Share capital
200,000
205,410
2.Reserves
4.Others
0(6,849)
(6,054)
0-
979
636
716
636
263 -
194,130
199,992
150,583
139,121
143,033
137,141
7,550
1,980
43,547
60,871
a.Fixed assets
10,728
9,334
b.Other assets
32,819
51,537
1.Revenue
8,320
6,409
5,276
5,168
(1,402)
1,241
(1,443)
1,167
2,000
2,054
b.Other assets
E.Other items
2.Cash dividend
0.00 -
0.00 -
(15,609)
7,610
-0.75%
0.59%

-0.72%
0.62%
-0.74%
0.58%
-3.76
4.16
-0.72
0.57
73.68%
68.57%
210.31
218.74
0.01
0.32%
1.00
99.68%
96.58
97.06
10.82
6.52
-21.80
11.97
G.Liquidity ratios
I.Cash flow ratios
157
Al-Sahara Exchange Company (Pvt.) Ltd.

Items
2007
2008
192,745
195,212
1.Share capital
200,000
200,000
2.Reserves
(7,255)
(4,788)
2,477
6,069
2,477
6,069
195,222
201,281
139,856
147,208
133,669
137,428
6,187
9,780
55,366
54,073
a.Fixed assets
5,162
3,920
b.Other assets
50,204
50,153
1.Revenue
42,599
39,058
44,321
39,269
(2,421)
3,797
(2,639)
2,468

4.Others
b.Other assets
E.Other items

2.Cash dividend
20,000
20,000
0.00
0.00
0.00
0.00
133,669
4,376
-1.37%
1.26%
-1.26%
1.95%
-1.35%
1.23%
-18.31
10.34
-0.13
0.12
68.47%
68.28%
56.46
24.26
1.27%
3.02%
98.73%
96.98%
9.64
9.76
-50.65
1.77
53.96
0.72


G.Liquidity ratios
I.Cash flow ratios
158
D. D Exchange Company (Pvt) Ltd.
(Thousand Rupees)
Items
1.Share capital
2.Reserves
4.Others
b.Other assets
a.Fixed assets
b.Other assets
2011

1.Revenue
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratios

1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
2.Cash generated from operating activities to current liabilities (E4/B1) (times)
159
Dollar East Exchange Company (Pvt.) Ltd.

Items
2007
2008
163,809
163,875
1.Share capital
200,000
200,000
2.Reserves
(36,191)
(36,125)
700
1,700
51,376
71,030
51,376
71,030
215,885
236,605

4.Others
117,023
145,795
76,158
44,214
b.Other assets
40,865
101,581
98,862
90,810
a.Fixed assets
32,007
26,886
b.Other assets
66,855
63,924
1.Revenue
60,060
82,406
64,626
84,248
(2,952)
478
(3,252)
66
2,000
2,000
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
11,236
(30,930)
-1.99%
0.04%
-1.79%
0.29%
-1.51%
0.03%
-21.89
176.25
-1.63
0.03
35.28%
18.69%
2.28
2.05
0.24
30.02%
75.88%
69.26%
81.90
81.94
-3.46
-468.64
0.22
-0.44


G.Liquidity ratios

I.Cash flow ratios
160
Fairdeal Exchange Company (Pvt) Ltd.

Items
2007
2008
151,516
192,846
1.Share capital
155,393
200,000
2.Reserves
(3,877)
(7,154)
1,944
14,069
1,944
14,069
153,460
206,915
98,326
137,702
92,860
120,512
5,466
17,190
55,134
69,213
a.Fixed assets
13,137
13,543
b.Other assets
41,997
55,670
1.Revenue
14,644
21,590
4.Others
b.Other assets
14,178
17,253
279
(3,263)
263
(3,277)
E.Other items
15,539
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
(53)
(1,920)
0.17%
-0.02
0.18%
-1.69%
0.17%
-1.58%
50.82
-5.29
0.02
-0.16
60.51%
58.24%

G.Liquidity ratios
50.58
9.79
1.27%
0.07
98.73%
0.93
9.75
9.64
-0.20
0.59
-0.03
-0.14

I.Cash flow ratios
161
Galaxy Exchange Company (Pvt.) Ltd.

Items
2007
2008
191,862
202,979
1.Share capital
200,000
210,000
(8,138)
(7,021)
868
729
868
729
2.Reserves
4.Others
192,730
203,708
79,068
93,737
64,192
76,157
b.Other assets
14,876
17,580
113,662
109,971
a.Fixed assets
3,662
59,971
b.Other assets
110,000
50,000
1.Revenue
28,765
33,618
32,551
32,500
(3,786)
1,118
(3,929)
1,118
20,000
21,000
2.Cash dividend
0.00
0.00
0.00
0.00
362
1,971
-2.05%
0.55%
-1.97%
0.55%
-2.04%
0.55%
-8.60
29.07
-0.20
0.05
33.31%
37.39%
91.09
128.58
0.45%
0.36%
99.55%
99.64%
9.59
9.67
-0.09
1.76
0.42
2.70
E.Other items
G.Liquidity ratios
I.Cash flow ratios
162
H & H Exchange Company (Pvt.) Ltd.

Items
2007
2008
348,801
279,854
1.Share capital
300,000
300,000
45,000
3,801
(20,146)
59,117
51,800
59,117
51,800
407,918
331,654
309,730
199,005
300,968
117,435
8,762
81,570
98,188
132,649
a.Fixed assets
12,834
11,382
b.Other assets
85,354
121,267
1.Revenue
67,726
89,719
40,828
186,804
17,870
(105,384)
12,270
(68,948)
2.Reserves
4.Others
b.Other assets
E.Other items
300
300
2.Cash dividend
0.00
0.00
0.00
0.00
15,688
(182,589)
3.52%
-24.64%
5.12%
-37.66%
3.01%
-20.79%


2.28
-1.77
40.90
-229.83
73.78%
35.41%
G.Liquidity ratios
5.24
3.84
14.49%
15.62%
85.51%
84.38%
1,162.67
932.85
1.28
2.65
0.27
-3.52

I.Cash flow ratios
163
Habib Currency Exchange (Pvt) Ltd.

Items
2007
2008
200,236
209,247
1.Share capital
214,865
214,865
(14,629)
(5,618)
(9)
(274)
9,546
21,588
9,546
21,588
2.Reserves
4.Others
209,773
230,561
202,642
221,829
17,674
91,113
b.Other assets
184,968
130,716
7,131
8,732
a.Fixed assets
6,650
5,347
b.Other assets
481
3,385
6,066
35,358
(14,227)
28,912
309
6,322
236
9,012
21,486
21,486
0.00
0.00

1.Revenue
E.Other items
2.Cash dividend
0.00
0.00
8,625
16,196
0.12%
4.31%
0.15%
3.03%
0.11%
3.91%
-46.04
4.57

0.01
0.42
8.43%
39.52%
21.23
10.28
4.55%
9.36%
95.45%
90.76%
9.32
9.74
36.55
1.80
0.90
0.75
G.Liquidity ratios
I.Cash flow ratios
164
Habib Qatar International Exchange Pakistan Ltd.

Items
2007
2008
121,014
245,622
1.Share capital
100,000
200,000
21,014
45,622
4.Others
1,211
5,746
29,063
5,003
26,137
743
2,926
127,971
274,685
95,822
236,204
44,037
146,386
b.Other assets
51,785
89,818
32,149
38,481
a.Fixed assets
6,600
13,073
b.Other assets
25,549
25,408
7,918
54,473
2.Reserves

1.Revenue
15,198
27,904
7,180
26,569
7,124
24,608
E.Other items
10,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
(1,238)
(3,419,457)
5.89%
10.02%
5.84%
10.69%
5.57%
8.96%
2.12
1.05
0.71
1.23
34.41%
53.29%
19.15
9.04
4.49%
10.58%
94.56%
89.42%
12.10
12.28
-0.17
-138.96
-0.25
-130.83
G.Liquidity ratios
I.Cash flow ratios
165
SIBL Exchange Co.

Items
2007
2008
102,779
105,636
1.Share capital
100,000
100,000
2,779
5,636
8,458
4,144
8,458
4,144
2.Reserves
4.Others
111,237
109,780
109,029
108,085
9,492
8,841

b.Other assets
99,537
99,244
2,208
1,695
a.Fixed assets
1,674
1,344
b.Other assets
534
351
1.Revenue
6,315
8,116
3,993
3,647
2,322
4,469
1,474
2,858
10,000
10,000
2.Cash dividend
0.00
0.00
0.00
0.00
5,194
(2,088)
1.43%
2.71%
2.26%
4.23%
E.Other items

1.33%
0.03
1.72
0.82
0.15
0.29
8.53%
8.05%
12.89
26.08
0.08
3.77%
G.Liquidity ratios
0.92
96.23%
10.28
10.56
3.52
-0.73
0.61
-0.50

I.Cash flow ratios
166
Money Link Exchange Company (Pvt) Ltd.

Items
2007
2008
205,721
209,424
1.Share capital
200,000
200,000
5,721
9,424
2.Reserves
4.Others
12,274
23,533
10,974
22,233
1,300
1,300
217,995
232,957
117,718
134,402
106,344
121,344
11,374
13,058
b.Other assets
100,277
98,555
a.Fixed assets
48,244
46,466
b.Other assets
52,033
52,089
16,153
24,851
(19,375)
22,528
(126)
4,709
(207)
3,774
200
200
2.Cash dividend
0.00
0.00
0.00
0.00
17,271

1.Revenue
E.Other items

0.00
0.02
-0.06%
2.23%
-0.09%
1.62%
153.77
4.78
-1.04
18.87
48.78%
52.09%
10.73
6.05
5.63%
0.10
94.37%
0.90
1,028.61
1,047.12
0.00
4.58
0.00
0.78

G.Liquidity ratios
I.Cash flow ratios
167
NBP Exchange Company Ltd.

Items
2007
2008
475,739
362,892
1.Share capital
300,000
300,000
175,739
62,892
342,488
513,525
2.Reserves
4.Others
1,831
62,877
340,657
450,648
818,227
876,417
712,745
775,273
260,357
189,773
b.Other assets
452,388
585,500
105,482
101,144
a.Fixed assets
10,139
9,331
b.Other assets
95,343
91,813
1.Revenue
25,131
100,454
26,837
28,743
35,561
71,712
29,610
46,497
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
2,527
16,024
6.22%
12.81%
4.36%
8.81%
E.Other items

3.62%
5.31%
0.75
0.40
0.99
1.55
31.82%
21.65%
389.27
12.33
41.86%
58.59%
58.14%
41.41%
15.86
12.10
0.09
0.34
1.38
0.25
G.Liquidity ratios
I.Cash flow ratios
168
Noble Exchange International (Pvt) Ltd

Items
2007
2008
199,816
199,996
1.Share capital
200,000
200,000
2.Reserves
(184)
(4)
4.Others
1,500
1,500
3,465
1,966
3,465
1,966
204,781
203,462
139,458
138,891
115,964
92,089
b.Other assets
23,494
46,802
65,323
64,571
a.Fixed assets
14,179
13,479
b.Other assets
51,144
51,092
1.Revenue
13,162
32,859
12,739
32,679
312
342
202
178
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
(2,801)
(23,061)
E.Other items

0.00
0.09%
0.15%
0.17%
0.00
0.09%
40.83
95.55
0.01
0.01
56.63%
45.26%
40.25
70.65
1.69%
0.97%
97.58%
0.98
9.99
10.00
-13.87
-129.56
-0.81
-11.73

G.Liquidity ratios
I.Cash flow ratios
169
P B S Exchange Company (Pvt.) Ltd.

Items
2007
2008
144,383
144,817
1.Share capital
200,000
200,000
(55,617)
(55,183)
2.Reserves
4.Others
28,483
737
41,556
737
573
40,983
173,603
186,373
74,893
62,845
73,114
60,358
1,779
2,487
98,710
123,528
a.Fixed assets
65,469
66,128
b.Other assets
33,241
57,400
1.Revenue
10,672
39,394
40,026
41,413
(28,370)
644
(55,616)
434
2,000
2,000
2.Cash dividend
0.00
0.00
0.00
0.00
-38.52%
0.00
-16.41%
0.35%
-32.04%
0.23%
-1.41
64.31
-27.81
0.22
b.Other assets
E.Other items


G.Liquidity ratios
42.12%
32.39%
101.62
109.68
0.42%
0.22

I.Cash flow ratios
83.17%
0.78
72.19
72.41
0.00
0.00
0.00
0.00
170
Pakistan Currency Exchange Co. (Pvt) (Pakistan) Ltd.

Items
2007
2008
198,867
204,406
1.Share capital
200,000
200,000
2.Reserves
(1,133)
4,406
140,380
18,540
134,730
9,904
5,650
8,636
339,247
222,946
272,069
152,503
123,079
90,404
b.Other assets
148,990
62,099
67,178
70,443
a.Fixed assets
16,981
17,770
b.Other assets
50,197
52,673
1.Revenue
109,801
221,403
112,362
209,767

4.Others
(753)
8,313
(3,240)
5,539
2,000
2,000
2.Cash dividend
0.00
0.00
0.00
0.00
(127,739)
(6,268)
-1.63%
2.71%
-0.37%
0.04
-0.96%
2.48%
-149.22
25.23
-1.62
2.77
36.28%
40.55%

E.Other items


G.Liquidity ratios
2.02
15.40
41.38%
8.32%
58.62%
91.68%
99.43
102.20
39.43
-1.13
-0.95
-0.63

I.Cash flow ratios
171
Paracha International Exchange

Items
2007
2008
162,333
189,819
1.Share capital
200,000
200,000
(37,667)
(10,181)
2.Reserves
4.Others
4,461
11,423
4,461
11,423
166,794
201,242
85,641
114,215
25,739
35,749
b.Other assets
59,902
78,466
81,153
87,027
a.Fixed assets
3,963
80,936
b.Other assets
77,190
6,091

1.Revenue
6,597
33,784
(6,470)
(11,128)
3,817
22,656
3,815
27,486
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
3,849
12,327
2.35%
14.48%
E.Other items

2.35%
11.94%
2.29%
13.66%
-1.70
-0.49
0.19
1.37
15.43%
17.76%

G.Liquidity ratios
19.20
10.00
2.67%
5.68%
97.33%
94.32%
8.12
9.49
1.01
0.45
0.86
1.08

I.Cash flow ratios
172
2011
Paragon Exchange Company (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others
(Thousand Rupees)
2011
92,707
100,000
0
(7,293)
0
1,111
1,111
93,818
55,929
54,897
b.Other assets
1,032
37,889
a.Fixed assets
8,630
b.Other assets
29,259

1.Revenue
47,333
11,237

E.Other items
(11,190)
(7,293)
1,000
2.Cash dividend
0.00
0.00
(10,821)

-7.87%
-12.07%
-7.77%
-1.00
-7.29
G.Liquidity ratios
58.51%
50.34
1.18%

98.82%
92.71
I.Cash flow ratios

1.48
-9.74
173
Ravi Exchange Company Ltd

Items
1.Share capital
2.Reserves
4.Others
2007
2008
96,221
200,059
100,000
200,000
(3,779)
59
4,653
4,756
4,653
4,756
100,874
204,815
93,945
94,900
52,192
55,329
b.Other assets
41,753
39,571
6,929
109,915
a.Fixed assets
5,617
66,313
b.Other assets
1,312
43,602

1.Revenue
10,812
20,932
13,384
24,102
175
1,313
(2,283)
911

E.Other items
1,000
2,000
2.Cash dividend
0.00
0.00
0.00
0.00
491
(22,255)
-2.37%
0.46%
0.18%
0.66%
-2.26%
0.44%
76.48
18.36
-2.28
0.46
51.74%
27.01%

G.Liquidity ratios
20.19
19.95
4.61%
2.32%
95.39%
97.68%
96.22
100.03
-0.22
-24.43
0.11
-4.68

I.Cash flow ratios
174
Riaz Exchange Co. (Pvt) Ltd.

Items
2007
2008
202,979
210,320
1.Share capital
200,000
200,000
2.Reserves
2,979
10,320
2,899
2,196
2,619
1,326
280
870
205,878
212,516

4.Others
151,208
154,051
135,884
139,625
b.Other assets
15,324
14,426
54,670
58,465
a.Fixed assets
4,001
4,294
b.Other assets
50,669
54,171
18,056
28,849
9,707
11,630
10,226
19,236
6,630
12,341
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
590
(402)
3.27%
5.87%
5.03%
9.11%
3.22%
5.81%
0.95
0.60
0.33
0.62
0.66
0.66
57.74
116.18
1.41%
1.03%
98.59%
98.97%
10.15
10.52
0.09
-0.03
0.23
-0.30

1.Revenue
E.Other items
G.Liquidity ratios
I.Cash flow ratios
175
Royal International Exchange Company (Pvt) Ltd.

Items
2007
2008
104,038
181,454
1.Share capital
104,000
200,000
2.Reserves
38
(18,546)
681
844
681
844
104,719
182,298
75,993
128,595
74,364
118,644
1,629
9,951
28,726
53,703
4.Others
b.Other assets
a.Fixed assets
2,725
3,620
b.Other assets
26,001
50,083
1.Revenue
19,674
22,059
17,058
20,439
1,020
(18,134)
664
(18,584)

E.Other items
1,040
2,000
2.Cash dividend
0.00
0.00
0.00
0.00
(6)
(237)
0.64%
-10.24%
0.98%
-9.99%
0.63%
-10.19%
16.72
-1.13
0.64
-9.29
71.01%
65.08%
111.59
152.36
0.65%
0.46%
99.35%
99.54%
100.04
90.73
-0.01
0.01
-0.01
-0.28


G.Liquidity ratios

I.Cash flow ratios
176
Sky Exchange Company (Pvt) Ltd.
(Thousand Rupees)
Items
1.Share capital
2.Reserves
4.Others
b.Other assets
a.Fixed assets
b.Other assets

1.Revenue
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratios

2011
177
Wall Street Exchange Company (Pvt.) Ltd.

Items
2007
2008
207,196
214,479
1.Share capital
200,000
200,000
7,196
14,479
105,267
129,048
105,267
129,048
312,463
343,527
240,405
252,630
194,453
134,390
b.Other assets
45,952
118,240
72,058
90,897
a.Fixed assets
18,360
35,333
b.Other assets
53,698
55,564
82,898
122,726
(67,487)
107,580
10,003
11,391
7,167
7,283
2.Reserves
4.Others

1.Revenue
E.Other items
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
82,538
(32,437)
3.46%
0.03
4.83%
5.31%
2.29%
2.12%
-6.75
9.44
0.36
0.36
62.23%
39.12%


G.Liquidity ratios
2.28
1.96
33.69%
37.57%
66.31%
62.43%
10.36
10.72
11.52
-4.45
0.78
-0.25

I.Cash flow ratios
178
2011
INSURANCE COMPANIES
CY11 turned out to be positive for insurance sector in Pakistan. The aggregate insurance business
grew sharply during CY11. Its balance sheet size expanded by 12.6 percent and reached Rs 501.8
billion in CY11. Profit before and after taxation increased considerably during CY11.
ANALYSIS OF EQUITY
Total equity of insurance sector increased
from Rs. Rs 86.6 billion in CY10 to Rs. 88.8
Components of Equity
50
billion in CY11, recording an increase of around
40
7.10%
30
2.6 percent. The share capital (SC) also increased

20
0%
10
-2.40%
-6%
by 7.1 percent in CY11 over CY10. Contribution
Un
of share capital in equity was 30.7 percent in
Share Capital
(SC)
CY11. Total reserves of insurance companies
CY10
25.5
CY11
27.3
comprising reserves and un-appropriated profit

Growth
7.10%
touched Rs 61.6 billion in CY11 as compared to

Rs. 61.2 billion last year.
ANALYSIS OF ASSETS
Total assets (TA) at Rs. 501.8 billion in CY11,
showing an increase of 12.6 percent over CY10.
600 CY10
500
The dominating part in assets was investment in
0.2
400
securities and properties (IS) of Rs. 128.2 billion

300
in CY11. IS contributed 25.5 percent of TA in

200
CY11 increased by 11.9 percent in CY11 over

100
2%
the preceding year. Cash and Balances with
0
C&B
IS
banks (C & B) reflected an increase of 15.0

percent over the last year. Total assets of non-Life sector decreased from Rs. 151.3 billion in CY10 to
Rs 151.1 billion in CY11, recording a contraction of 0.1 percent. Total assets of Life Insurance Sector
grew by 19.0 percent over CY10. In absolute terms, it increased from Rs 290.9 billion in CY10 to Rs.
346.1 billion in CY11.
179
Total liabilities (TL) of insurance sector at Rs
CY10
450
357.0 billion in CY10 increased by 15.3 percent

350
in CY11 to Rs
411.4 billion. Balances of

15.30%
250
statutory funds (BSF) have been Rs 262.8 billion

10%
150
in CY10 and Rs 313.6 billion in CY11, showing

50
an increase of 19.4 percent. The composition of

-50 TL
BSF to TL was 73.6 percent and 76.2 percent in

CY10 and CY11 respectively. Out of total
liabilities, around 82.6 percent pertains to life insurance business. Other claims (OC), Miscellaneous
(MISC.)
Premium Income Positions
The main source of revenue of insurance sector is

126.2
premium. The gross premium for year CY10 was
150 Gross Premium

105.2
98.0
Rs 105.2 billion which increased by 20.0 percent
80.6
100
to reach Rs. 126.2 billion in CY11. Net premium
Net Premium
50
increased from Rs. 80.6 billion percent in CY10

to Rs. 98.0 billion in CY11 showing an increase
0
of 21.5 percent.
Investment income which was Rs. 32.8 billion in
CY10 increased by 18.4 percent to reach Rs 38.8
billion in CY11. Under-writing profit which was
Rs.
16.3 billion in CY10 increa

percent to reach Rs. 26.8 billion. Profit before
and after tax increased to Rs. 10.8 billion and Rs.
7.2 billion respectively in CY11.

5
0
Investment Income
0%
Underwriting Profit
180
64.1
Return on equity (ROE) which was 6.77 percent

10%
in CY10 increased to
8.06 percent in
CY11.Similarly, return on assets (ROA) which

5%
was 1.32 percent in CY10 increased to
1.43
percent in CY11.
0%
Valuation per Share
40
Earnings per share (EPS) at Rs. 2.33 in CY10,

34.42
35
CY10
32.87
CY11
reached Rs. 2.65 per share in CY11. Breakup

30
value per share
(BPS) is decreased from Rs.
25
2.33
2.65
20
34.42 per share in CY10 to Rs. 32.87 per share in

15
CY11.
10
EPS
BPS
181
Insurance Companies - Overall

Items
2007
2008
67,502,889
79,294,355
1.Share capital
11,649,281
21,001,523
2.Reserves
14,970,812
44,317,746
40,882,796
13,975,086
391,391
316,877
232,750,781
263,404,552
1.Balance of statutory funds
174,570,642
193,936,317
2.Outstanding claims, adv., prem., due to other insurers
47,748,921
52,695,558
10,431,218
16,772,677
300,645,061
343,015,784
24,015,788
41,361,289
4.Others

1.Cash and balances with banks
2.Advances to policy holders & employees
11,925,982
13,844,094
222,852,848
235,570,708
38,061,663
47,301,536
3,788,780
4,938,157
1.Investment income
58,362,392
14,174,965
2.Gross premium
61,274,668
76,150,980
3.Net premium
47,738,030
60,955,357
4.Gross claims
34,750,950
42,809,380
5.Net claims
27,675,822
34,725,276
6.Underwriting profit
10,108,015
27,183,638
39,808,398
(1,876,153)
38,969,919
(3,422,146)
1,763,470
2,669,063
3.Investments in securities & properties

5.Fixed assets
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
4,027,860
830,219
57.73%
-4.32%
12.96%
-0.01
22.10
-1.28
57.97%
56.97%
3.Earning per share (D8/E1) (rs. per share)

4.Net Claims Incurred Ratio (D5/D3)
5.Underwriting profit to profit after tax. (D6/D8)
25.94%
-794.34%
6.Investment income to net premium (D1/D3)
122.26%
23.25%
7.99%
12.06%
74.12%
68.68%
22.45%
23.12%
38.28
29.71
10.34%
-24.26%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
2.Break up value per share (A/E1) (Rs. per share)
I.Cash flow ratio
182
Life Insurance Companies - Overall

Items
2007
2008
3,591,548
3,845,833
1.Share capital
2,879,120
3,550,720
2.Reserves
(126,017)
454,004
838,445
(158,891)
127,208
188,153,972
210,435,786

4.Others
174,542,524
193,737,166
9,887,550
11,796,266
3,723,898
4,902,354
191,745,520
214,408,827
15,226,491
23,248,989
11,522,580
13,715,744
156,872,639
167,762,427
7,609,287
8,872,574
514,523
809,093
1.Investment income
20,418,637
18,922,502
2.Gross premium
24,870,987
33,644,399
3.Net premium
26,817,670
33,475,344
4.Gross claims
10,717,469
19,133,182
5.Net claims
13,000,049
18,330,205
9,192,113
22,835,966
2,056,431
211,025
1,678,708
(132,100)

5.Fixed assets
E.Other items
206,912
2.Cash dividend
N/A
N/A
280,122
N/A
N/A
3,463,829
2,494,830
46.74%
-3.43%
0.88%
-0.06%
8.11
-0.47
48.48%
54.76%
547.57%
-17286.88%
76.14%
56.53%
7.94%
10.84%
81.81%
78.24%
1.87%
1.79%
17.36
13.73
206.34%
-1888.59%

G.Liquidity ratios
I.Cash flow ratio
183
Adamjee Life Assurance Co. Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
184
Amercian Life Insurance Co. Ltd.

Items
2007
2008
329,542
379,763
1.Share capital
500,000
500,000
(170,458)
(120,237)
2.Reserves
4.Others
1,926,152
2,369,735
1,595,024
1,961,522
254,393
312,609
76,735
95,604
2,255,694
2,749,498
209,205
164,756
41,553
53,623
1,761,958
1,801,339
168,421
657,500
74,557
72,280
1.Investment income
143,087
208,723
2.Gross premium
888,204
1,155,000
3.Net premium
802,053
1,048,496
4.Gross claims
277,729
362,000
5.Net claims
261,600
332,228
5.Fixed assets
661,987
415,508
46,900
78,059
32,078
50,221
E.Other items
50,000
50,000
2.Cash dividend
0.00
0.00
0.54
0.00
222,191
(228,857)
9.73%
13.22%
1.42%
1.83%
0.64
1.00


32.62%
31.69%
2063.68%
827.36%
17.84%
19.91%
G.Liquidity ratios
9.27%
5.99%
78.11%
65.52%
14.61%
13.81%
6.59
7.60
692.66%
-4.56

I.Cash flow ratio
185
Asia Care Health & Life Insurance Co. Ltd.

Items
2007
2008
183,570
1.Share capital
160,000
2.Reserves
2,500
21,070
4.Others
127,208
67,135
8,639
58,496
377,913
128,417
6,356
80,338
5.Fixed assets
162,802
1.Investment income
9,570
2.Gross premium
3.Net premium
29,768
4.Gross claims
5.Net claims
10,952
7,355
4,886
50
2.Cash dividend
0.00
0.33
(21)
2.66%
1.29%
97.72
36.79%
0.00
32.15%
33.98%
1.68%
E.Other items
G.Liquidity ratios

48.57%
3671.40
I.Cash flow ratio
-0.43%
186
East West Life Assurance Co. Ltd.

Items
2007
2008
372,333
415,341
1.Share capital
352,000
413,600
20,333
1,741
4.Others
128,963
147,823
111,940
119,822
12,662
15,503
4,361
12,498
501,296
563,164
240,151
95,896
2.Reserves

17,966
10,933
198,875
376,890
17,918
32,834
5.Fixed assets
26,386
46,611
93,639
60,927
166,055
194,538
3.Net premium
90,299
107,753
4.Gross claims
133,102
157,013
67,193
78,078
5,715
(20,218)
84,266
44,326
83,362
44,708
35,200
41,360
0.10
0.00

1.Investment income
2.Gross premium
5.Net claims
E.Other items
2.Cash dividend
0.00
0.00
51,868
(50,872)
22.39%
10.76%
16.63%
7.94%
2.37
1.08
74.41%
72.46%


6.86%
-45.22%
1.04
56.54%
47.91%
17.03%
39.67%
66.92%
74.27%
73.75%
10.58
10.04
62.22%
-113.79%

G.Liquidity ratios

I.Cash flow ratio
187
EFU Life Assurance Co. Ltd.

Items
2007
2008
1,277,925
1,254,381
1.Share capital
500,000
750,000
2.Reserves
170,000
570,000
607,925
(65,619)
12,037,325
10,703,367
4.Others
11,130,268
9,567,235
689,938
760,127
217,119
376,005
13,315,250
11,957,748
949,466
1,425,424
13,151
45,098
11,757,140
9,684,973
333,318
493,908
5.Fixed assets
262,175
308,345
1.Investment income
3,027,910
56,681
2.Gross premium
4,817,874
9,597,777
3.Net premium
4,431,546
6,136,944
4.Gross claims
1,146,866
7,418,139
887,393
4,369,507
4,784,264
371,433
1,434,745
(314,959)
1,207,292
(473,159)

5.Net claims
E.Other items

2.Cash dividend
50,000
115,000
0.30
0.33
0.50
0.00
1,707,444
(507,154)
94.47%
-37.72%
9.07%
-3.96%
24.15
-4.11
20.02%
0.71
396.28%
-0.79
68.33%
0.92%
7.13%
11.92%
0.88
80.99%
0.10
10.49%
25.56
10.91
141.43%
107.18%


G.Liquidity ratios
I.Cash flow ratio
188
Jubilee Life Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
2007
2008
481,228
416,562
627,120
627,120
(145,892) -
(210,558)
4.Others
5,370,587
5,226,315
4,967,990
4,629,457
307,051
476,459

95,546
120,399
5,851,815
5,642,877
2,109,065
3,257,997
3,718
4,266
3,481,067
2,031,512
175,936
254,523
82,029
94,579

5.Fixed assets
1.Investment income
50,439
(110,311)
2.Gross premium
2,978,851
3,435,119
3.Net premium
2,777,076
3,457,103
4.Gross claims
1,168,089
1,756,884
5.Net claims
1,001,012
760,675
1,754,710
1,112,379
150,028
(49,972)
125,456
(54,972)
62,712
62,712
2.Cash dividend
0.05
0.00
0.00
0.00
1,091,360
591,271
E.Other items

26.07%
-0.13
2.14%
-0.97%
2.00
-0.88
36.05%
0.22
1398.67%
-2023.54%
1.82%
-3.19%
36.04%
57.74%
59.49%
0.36
8.22%
7.38%
7.67
6.64
869.91%
-1075.59%

G.Liquidity ratios

I.Cash flow ratio
189
State Life Insurance Corporation Ltd.

Items
1.Share capital
2.Reserves
4.Others
2007
2008
1,130,520
1,196,216
900,000
1,100,000
230,520
96,216
168,690,945
191,921,411
156,737,302
177,459,130
8,623,506
10,222,929
3,330,137
4,239,352
169,821,465
193,117,627
11,718,604
18,176,499
11,446,192
13,601,824
139,673,599
153,861,357
6,913,694
7,353,471
69,376
124,476
1.Investment income
17,103,562
18,696,912
2.Gross premium
16,020,003
19,261,965
3.Net premium
18,716,696
22,695,280
4.Gross claims
7,991,683
9,439,146
10,782,851
12,778,765

5.Fixed assets
5.Net claims
1,985,437
20,956,864
340,492
446,216
230,520
296,216
E.Other items
9,000
11,000
2.Cash dividend
0.00
0.00
0.00
0.00
390,966
2,690,463
20.39%
24.76%
0.14%
0.15%
25.61
26.93


57.61%
56.31%
861.29%
7074.86%
91.38%
82.38%
G.Liquidity ratios
0.07
9.41%
82.25%
79.67%
0.67%
0.62%
125.61
108.75
1.70
908.28%

I.Cash flow ratio

190
Non-Life Insurance Companies - Overall

Items
2007
2008
62,704,553
73,627,489
7,460,689
15,310,032
2.Reserves
15,137,608
43,863,742
40,106,256
14,453,715

1.Share capital
4.Others
387,069
197,098
44,274,111
52,101,805
37,653,036
40,531,984
6,621,075
11,569,821
107,365,733
125,926,392
8,001,486
17,394,018
403,402
128,350
65,610,155
66,736,164
30,209,154
37,820,475
3,141,536
3,847,385
1.Investment income
37,915,462
(4,839,199)
2.Gross premium
36,073,314
41,920,550
3.Net premium
20,799,730
26,444,972
4.Gross claims
23,780,198
23,153,577
5.Net claims
14,500,395
15,805,173
980,070
4,109,109
37,729,117
(1,954,052)
37,347,614
(3,172,018)
1,425,611
2,174,863

5.Fixed assets
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
652,738
(1,492,975)
59.56%
-4.31%
34.79%
-2.52%

26.20
-1.46
69.71%
59.77%
2.62%
-129.54%
182.29%
-0.18
7.45%
13.81%
61.11%
0.53
0.58
58.47%
43.98
33.85
G.Liquidity ratios
I.Cash flow ratio
1.75%
47.07%
191
ACE Insurance Aid Pacific Ltd.

Items
2007
2008
145,398
191,216
1.Share capital
120,000
160,000
1,185
31,216
24,213
2.Reserves
4.Others

0
300,355
359,627
0
279,089
51,595
21,266
308,032
445,753
550,843
264,059
305,165
353
414
172,827
236,513
8,514
8,751
558
61
363,954
3.Net premium
96,564
87,899
4.Gross claims
71,401
5.Net claims
39,922
25,309
23,101
18,611
30,889
36,391
19,538
21,593
12,000
16,000

5.Fixed assets

1.Investment income
2.Gross premium
E.Other items
2.Cash dividend
0.00
0.00
109,316
(1,118)
13.44%
11.29%
4.38%
3.92%
1.63
1.35
41.34%
28.79%


118.24%
86.19%
0.58%
0.07%
59.24%
0.55
0.08%
0.08%
32.62%
34.71%
12.12
11.95
5.60
-5.18%
G.Liquidity ratios
I.Cash flow ratio
192
Adamjee Insurance Co. Ltd.

Items
2007
2008
7,651,747
8,791,099
1.Share capital
1,022,351
1,022,351
2.Reserves
4.Others
963,123
1,078,231
5,666,273
6,690,517
11,114,216
10,451,381
9,979,928
8,753,875
1,134,288
1,697,506
18,765,963
19,242,480
954,197
2,207,453
27,312
26,852
8,132,102
7,333,959
8,887,247
8,722,167
765,105
952,049
1.Investment income
4,486,366
1,098,050
2.Gross premium
9,378,578
10,442,659
3.Net premium
5,531,818
6,685,378
4.Gross claims
6,548,240
6,601,192
5.Net claims
3,915,091
5,173,152
119,251
367,062
4,284,885
1,175,877
4,201,250
1,099,150

5.Fixed assets
E.Other items

2.Cash dividend
102,235
102,235
0.30
0.00
0.00
0.00
(16,324)
(354,139)
54.91%
0.13
22.39%
5.71%
41.09
10.75
70.77%
77.38%
2.84%
0.33
0.81
16.42%
5.08%
11.47%
43.33%
38.11%
40.77%
45.69%
74.84
85.99
-0.39%
-32.22%


G.Liquidity ratios
I.Cash flow ratio
193
Agro General Insurance Co. Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
194
Alflah Insurance Co. Ltd.

Items
2007
2008
256,146
232,588
1.Share capital
121,440
161,920
2.Reserves
50,655
50,655
84,051
20,013
4.Others
258,620
248,403
236,533
215,266
22,087
33,137
514,766
480,991
160,201
166,588
108,531
77,292
235,744
225,124
10,290
11,987
84,580
14,400
5.Fixed assets
1.Investment income
2.Gross premium
147,918
135,055
3.Net premium
99,501
77,039
4.Gross claims
89,796
90,494
5.Net claims
61,658
48,543
4,453
(9,723)
86,487
2,870
84,023
(17,486)
12,144
16,192
0.05
0.00
33.33%
0.00
(38,167)
(44,856)
0.33
-7.52%
16.32%
-3.64%
6.92
-1.08
E.Other items
2.Cash dividend
61.97%
63.01%
0.05
0.56
0.85
18.69%
31.12%
34.63%
21.08%
16.07%
49.76%
48.36%
21.09
14.36
-45.42%
256.53%
G.Liquidity ratios

I.Cash flow ratio
195
Allianz EFU Health Insurance Co. Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
196
Asia Insurance Co. Ltd.

Items
2007
2008
138,053
183,570
1.Share capital
120,000
160,000
2,500
2,500
2.Reserves
15,553
21,070
4.Others
27,208
127,208
67,382
67,135

7,540
8,639
59,842
58,496
232,643
377,913
96,321
128,417
4,103
6,356
69,167
80,338
5.Fixed assets
63,052
162,802
7,232
9,570
2.Gross premium
54,302
53,644
3.Net premium
33,411
32,203
4.Gross claims
26,148
26,522
5.Net claims
14,680
14,737
7,143
3,261
12,304
9,448
9,485
5,518
12,000
16,000
0.10
0.00

1.Investment income
E.Other items
2.Cash dividend
0.50
0.33
(4,311)
(3,130)
6.87%
3.01%
4.08%
1.46%
0.79
0.34
43.94%
45.76%


75.31%
0.59
21.65%
29.72%
0.41
33.98%
1.76%
1.68%
59.34%
48.57%
11.50
11.47
-45.45%
-56.72%
G.Liquidity ratios
I.Cash flow ratio
197
Askari General Insurance Co. Ltd.

Items
2007
2008
284,639
295,957
1.Share capital
156,750
203,775
2.Reserves
65,000
74,658
62,889
17,524
4,658
828,297
921,294
4.Others
724,184
813,079
104,113
108,215
1,117,594
1,217,251
169,783
85,108
2,817
2,956
423,227
512,843
417,796
489,357
5.Fixed assets
103,971
126,987
51,759
12,536
2.Gross premium
829,100
1,002,654
3.Net premium
583,322
650,429
4.Gross claims
487,099
513,880
5.Net claims
378,581
423,393
79,802
72,996
69,996
17,386
51,728
6,659


1.Investment income
E.Other items

2.Cash dividend
15,675
20,377
0.00
0.00
0.30
0.00
88,696
25,684
18.17%
2.25%

4.63%
0.55%
3.30
0.33
0.65
65.09%
154.27%
10.96
8.87%
1.93%
15.19%
6.99%
37.87%
42.13%
25.47%
24.31%
18.16
14.52
171.47%
3.86

G.Liquidity ratios

I.Cash flow ratio
198
Atlas Insurance Co. Ltd.

Items
2007
2008
970,153
626,019
1.Share capital
206,497
268,447
2.Reserves
353,064
557,064
410,592
(199,492)
763,281
713,944
697,522
697,631
65,759
16,313
1,733,434
1,339,963
200,780
195,929
724
465
1,010,747
494,201
479,504
600,072
41,679
49,296
4.Others
5.Fixed assets
1.Investment income
314,703
(305,174)
2.Gross premium
709,197
861,402
3.Net premium
447,000
507,946
4.Gross claims
383,256
428,206
5.Net claims
215,104
231,434
144,593
158,386
467,406
(140,994)
409,846
(199,585)
20,650
26,844
2.Cash dividend
0.70
0.25
0.30
0.25
175,398
2,067
42.25%
-31.88%
23.64%
-14.89%
19.85
-7.43
48.12%
45.56%
35.28%
-79.36%
0.70
-60.08%
11.58%
14.62%
58.31%
36.88%
55.97%
46.72%
46.98
23.32
0.43
-1.04%
E.Other items


G.Liquidity ratios

I.Cash flow ratio
199
Capital Insurance Co. Ltd.

Items
2007
2008
126,737
163,049
1.Share capital
120,362
160,125
6,375
12,936
2.Reserves
4.Others
(10,012)
548
9,207
27,163
68,398
0
15,814
17,841
11,349
50,557
154,448
240,654
55,737
67,572

35,570
87,845
24,653
62,696
5.Fixed assets
38,488
22,541
1.Investment income
10,392
3,645
2.Gross premium
16,196
3.Net premium
10,252
7,106
4.Gross claims
11,893
1,756
(6,829)
5.Net claims
2,925
(9,055)
15,235
(11,280)
(8,562)
(11,475)
12,036
16,013
E.Other items
2.Cash dividend
0.00
0.00
(5,642)
(10,686)
-6.76%
-7.04%
-5.54%
-4.77%
-0.71
-0.72

17.13%
-0.96
-34.16%
78.91%
101.37%
51.29%
36.09%
28.08%
23.03%
0.37
82.06%
67.75%
10.53
10.18
0.66
93.12%
G.Liquidity ratios

I.Cash flow ratio
200
Century Insurance Co. Ltd.

Items
2007
2008
522,534
921,959
1.Share capital
254,024
457,244
94,033
373,024
174,477
91,691
2.Reserves
4.Others
1,169,031
371,585
1,058,385
330,418
110,646
41,167
1,691,565
1,293,544
248,821
316,416
464,231
464,449
947,458
470,132
31,055
42,547
1.Investment income
169,378
(38,041)
2.Gross premium
356,401
406,147
3.Net premium
218,622
241,371
4.Gross claims
164,129
338,942
5.Net claims
146,163
79,296
37,933
122,260
168,158
53,753
167,992
18,422
25,402
45,724
2.Cash dividend
0.00
0.00
0.30
0.00
30,378
(167,937)
32.15%
0.02
9.93%
1.42%

5.Fixed assets
E.Other items

6.61
0.40
66.86%
32.85%
22.58%
663.66%
77.48%
-15.76%
14.71%
24.46%
27.44%
35.91%
30.89%
71.27%
20.57
20.16
G.Liquidity ratios

I.Cash flow ratio
18.08%
-911.61%
201
Cyan Ltd.
Items
2007
2008
4,115,396
4,187,070
1.Share capital
139,834
184,581
2.Reserves
133,088
133,088
3,842,474
3,869,401
188,336
156,610
146,257
137,895
42,079
18,715
4,303,732
4,343,680
97,520
64,773

4.Others
4,017,496
4,124,141
185,076
151,606
3,640
3,160
2,752,567
128,412
145,629
110,070
3.Net premium
20,851
14,758
4.Gross claims
23,055
24,235
8,713
6,562
12,612
14,993
2,764,738
133,687
2,747,982
116,421
13,983
18,458
0.50
0.20

5.Fixed assets
1.Investment income
2.Gross premium
5.Net claims
E.Other items
2.Cash dividend
0.20
0.20
(29,932)
5,914
66.77%
2.78%
63.85%
2.68%
196.52
6.31
41.79%
44.46%



0.46%
12.88%
13201.13%
870.12%
2.27%
1.49%
93.35%
94.95%
95.62%
96.39%
294.31
226.84
-1.09%
5.08%
G.Liquidity ratios
I.Cash flow ratio
202
E.F.U.General Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others
2007
2008
16,164,267
10,093,041
1,000,000
1,150,000
600,000
14,400,000
14,564,267
(5,456,959)
12,902
12,902
11,212,806
11,123,749
10,491,258
10,277,630
721,548
846,119
27,389,975
21,229,692
1,162,876
1,303,684
3,770
2,880
18,867,856
12,091,082
6,930,434
7,223,793
425,039
608,253
14,812,295
(5,299,619)
8,961,395
9,598,000
3.Net premium
6,110,504
6,136,944
4.Gross claims
7,419,674
7,418,000
5.Net claims
5,092,241
4,369,507
(176,932)
371,433
14,457,295
(5,442,922)
14,536,309
(5,471,226)

5.Fixed assets
1.Investment income
2.Gross premium
E.Other items

2.Cash dividend
100,000
115,000
0.60
0.33
0.15
0.00
252,082
(507,154)
89.93%
-54.21%
53.07%
-25.77%
145.36
-47.58
83.34%
0.71
-1.22%
-6.79%
242.41%
-86.36%
4.25%
6.14%
68.89%
56.95%
59.02%
47.54%
161.64
87.77
1.73%
9.27%


G.Liquidity ratios
I.Cash flow ratio
203
East West Insurance Co. Ltd.

Items
2007
2008
634,084
866,835
1.Share capital
172,851
228,526
2.Reserves
100,200
110,200
361,033
528,109
10,000
319,599
406,489
273,563
76,513
46,036
329,976
963,683
1,273,324
79,596
76,231
565,276
813,959
254,071
280,529
64,740
102,605
4.Others
5.Fixed assets
1.Investment income
330,006
255,149
2.Gross premium
502,243
3.Net premium
319,502
405,705
4.Gross claims
250,080
5.Net claims
125,486
168,452
53,470
80,338
335,969
277,016
326,263
265,827
17,285
22,853
2.Cash dividend
0.10
0.00
0.17
0.00
47,017
51.45%
30.67%
33.86%
20.88%
18.88
11.63
39.28%
41.52%
16.39%
30.22%
103.29%
62.89%
8.26%
5.99%
58.66%
63.92%
0.66
68.08%
36.68
37.93
0.00
17.69%
E.Other items


G.Liquidity ratios
I.Cash flow ratio
204
Excel Insurance Co. Ltd.

Items
2007
2008
134,187
181,754
1.Share capital
120,000
160,000
110
110
14,077
21,644
2.Reserves
4.Others
40,435
41,139
21,747
20,825
18,688
20,314
174,622
222,893
24,003
13,365
85,694
155,044
54,836
44,208
5.Fixed assets
10,089
10,276
1.Investment income
28,682
17,299
2.Gross premium
32,961
42,018
3.Net premium
16,262
18,289
4.Gross claims
48,113
19,199
4,929
7,236

5.Net claims
(752)
1,164
19,802
9,444
14,077
21,644
E.Other items
12,000
16,000
2.Cash dividend
0.00
0.00
0.03
0.00
(28,972)
1,829
10.49%
11.91%
8.06%
9.71%
1.17
1.35
30.31%
39.56%
-5.34%
5.38%
176.37%
94.59%


G.Liquidity ratios
13.75%
0.06
49.07%
69.56%
76.84%
81.54%
11.18
11.36
-205.81%
8.45%

I.Cash flow ratio
205
Habib Insurance Co. Ltd.

Items
2007
2008
1,237,675
663,290
1.Share capital
296,595
355,914
2.Reserves
504,122
654,122
436,958
(346,746)
4.Others
863,429
794,176
711,642
592,613
151,787
201,563
2,101,104
1,457,466
129,940
57,435
981
1,899
1,313,616
719,561
613,159
634,086
43,408
44,485
1.Investment income
443,375
(390,531)
2.Gross premium
685,606
734,275
3.Net premium
335,974
397,960
4.Gross claims
425,065
380,313
5.Net claims
217,176
202,219
6,628
67,687
407,517
(379,447)
420,378
(396,428)
59,319
71,182
2.Cash dividend
0.60
0.13
0.20
0.13
24,770
(88,311)
33.97%
-59.77%
20.01%
-0.27

5.Fixed assets
E.Other items


7.09
-5.57
64.64%
50.81%
1.58%
-17.07%
131.97%
-98.13%
6.18%
3.94%
62.52%
49.37%
58.91%
45.51%
20.86
9.32
G.Liquidity ratios
I.Cash flow ratio
5.89%
22.28%
206
Hallmark Insurance Co. Ltd.

Items
2007
2008
879
1.Share capital
5,000
2.Reserves
(4,121)
4.Others
3,301
1,448
1,853
4,180
964
1,828
5.Fixed assets
1,388
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
(272)
(272)
500
2.Cash dividend
0.00
0.00
(232)
-30.94%
-6.51%
-0.54
E.Other items
0.00
-
G.Liquidity ratios
23.06%
0.00
21.03%
1.76
85.29%
I.Cash flow ratio
207
International General Insurance Co. of Pakistan Ltd.

Items
2007
2008
11,280,350
10,846,519
319,301
598,689
2.Reserves
8,103,740
10,624,177
2,857,309
(376,347)
2,823,754
2,354,120

1.Share capital
4.Others
1,118,664
878,223
1,705,090
1,475,897
14,104,104
13,200,639
205,911
258,260
12,404,727
11,709,948
1,184,183
929,900
309,283
302,531
1.Investment income
3,021,533
(157,476)
2.Gross premium
1,039,605
1,035,000
3.Net premium
586,073
542,515
4.Gross claims
682,635
423,000
5.Net claims
347,805
240,931
160,803
193,166
2,984,217
(404,103)
2,930,279
(377,042)

5.Fixed assets
E.Other items

2.Cash dividend
31,930
59,869
0.40
0.15
0.25
0.50
2,306
(27,651)
25.98%
-3.48%
20.78%
-2.86%
91.77
-6.30
59.34%
44.41%
5.49%
-51.23%
515.56%
-29.03%
1.46%
1.96%
87.95%
88.71%
79.98%
82.17%
353.28
181.17
0.08%
7.33%


G.Liquidity ratios
I.Cash flow ratio
208
Jubilee General Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others

2008
2,411,663
2,061,314
549,290
659,148
1,203,939
1,553,232
658,434
(151,066)

2007
0
3,521,043
3,363,858
0
2,961,315
2,749,505
559,728
614,353
5,932,706
5,425,172
1,680,625
1,670,155
433
364
2,032,089
1,554,039
2,040,607
2,102,654
178,952
97,960
5.Fixed assets
1.Investment income
599,208
181,707
2.Gross premium
3,430,376
3,526,000
3.Net premium
1,818,775
2,186,443
4.Gross claims
1,905,556
1,829,800
5.Net claims
1,413,733
1,332,461
(207,033)
108,115
575,041
(179,153)
588,456
(267,249)
54,929
65,915
2.Cash dividend
0.30
0.00
0.20
0.00
58,306
(102,885)
E.Other items

0.24
-12.96%
9.92%
-4.93%
10.71
-4.05
77.73%
60.94%
-35.18%
-40.45%
32.95%
8.31%
28.33%
30.79%
34.25%
28.64%
40.65%
0.38
43.91
31.27
9.91%
0.39

G.Liquidity ratios

I.Cash flow ratio
209
National Insurance Corporation

Items
2007
2008
14,104,699
1.Share capital
2,000,000
2.Reserves
10,400,000
1,704,699
4.Others
8,147,936
5,944,797
2,203,139
22,252,635
4,807,038
25,298
11,626,851
5,711,066
5.Fixed assets
82,382
1.Investment income
(389,169)
2.Gross premium
5,492,000
3.Net premium
2,903,518
4.Gross claims
1,243,924
5.Net claims
1,028,247
1,583,379
1,513,614
1,050,277
200,000
2.Cash dividend
0.00
0.00
528,334
7.45%
4.72%
5.25
35.41%
150.76%
-0.13
E.Other items
G.Liquidity ratios
0.22
52.25%
63.38%
70.52
0.50
I.Cash flow ratio
210
New Hampshire Insurance Co. Ltd.

Items
2007
2008
1,073,053
1.Share capital
1,073,053
2.Reserves
4.Others
814,820
141,802
673,018
1,887,873
546,920
435,617
817,610
5.Fixed assets
87,726
1.Investment income
92,189
2.Gross premium
3.Net premium
479,927
4.Gross claims
5.Net claims
205,594
152,668
82,599
52,498
107,305
2.Cash dividend
0.00
0.00
(224,313)
4.89%
2.78%
0.49
42.84%
290.81%
19.21%
28.97%
23.07%
56.84%
10.00
E.Other items
G.Liquidity ratios
I.Cash flow ratio
-427.28%
211
Pakistan Mutual Insurance Co. Ltd.

Items
2007
2008
7,956
2,679
2.Reserves
5,027
29
2,929
2,650
4.Others
1,944
909
6,577
292
6,051
617
526
10,809
9,256
2,009
3,053
1.Share capital


3,003
16
2,719
2,879
5.Fixed assets
3,078
3,308
60
94
2.Gross premium
4,824
3.Net premium
4,548
4,855
4.Gross claims
456
5.Net claims
396
(446)
3,816
(2,409)
(3,076)
(1,514)
(3,099)
(1,547)
0.00
0.00

1.Investment income
E.Other items
2.Cash dividend
0.00
0.00
(1,299)
-38.95%
-57.75%

-28.67%
-
-16.71%
-
8.71%
-9.19%
-123.14%
155.72%
1.32%
1.94%
18.59%
32.98%
27.78%
0.17%

G.Liquidity ratios

73.61%
28.94%
-
I.Cash flow ratio

41.92%
0.00
212
Pakistan Reinsurance Co. Ltd.

Items
2007
2008
6,098,518
7,265,744
540,000
3,000,000
2.Reserves
1,777,419
2,058,419
3,781,099
2,207,325
281,000
5,117,531
5,262,715

1.Share capital
4.Others
4,788,990
4,908,677
328,541
354,038
11,497,049
12,528,459
1,021,124
2,836,632
48,441
53,006
6,463,114
5,506,687
3,933,666
4,091,466
30,704
40,668
1.Investment income
3,689,377
846,394
2.Gross premium
4,730,554
4,516,903
3.Net premium
1,693,082
1,895,574
4.Gross claims
2,236,125
1,654,119
5.Net claims
931,289
961,692
205,998
206,136
3,858,647
1,138,999
3,725,253
886,225

5.Fixed assets
E.Other items

2.Cash dividend
54,000
300,000
0.20
0.00
4.56%
0.00
(36,181)
(19,026)
61.08%
0.12

0.32
7.07%
68.99
2.95
55.01%
50.73%
5.53%
23.26%
217.91%
44.65%
8.88%
22.64%
56.22%
43.95%
53.04%
57.99%
112.94
24.22
-0.97%
-2.15%
G.Liquidity ratios
I.Cash flow ratio
213
PICIC Insurance Ltd.

Items
2007
2008
112,208
208,956
1.Share capital
200,000
350,000
(87,792)
(141,044)
531,633
495,280
474,371
440,432
57,262
54,848
643,841
704,236
60,747
187,410
132,298
37,107
429,185
466,003
21,611
13,716
2.Reserves
4.Others
5.Fixed assets
1.Investment income
19,235
(3,296)
2.Gross premium
473,858
468,116
3.Net premium
303,401
227,853
4.Gross claims
381,628
286,575
5.Net claims
268,258
154,262
(97,520)
(18,738)
(94,195)
(50,417)
(93,893)
(53,252)
20,000
35,000
2.Cash dividend
0.00
0.00
0.00
0.00
(37,401)
(118,820)
-83.68%
-25.48%
-14.58%
-7.56%
-4.69
-1.52
88.42%
0.68
103.86%
35.19%
6.34%
-1.45%
9.44%
26.61%
20.55%
5.27%
17.43%
29.67%
5.61
5.97
39.83%
223.13%
E.Other items


G.Liquidity ratios
I.Cash flow ratio
214
Premier Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others
2007
2008
1,846,206
1,768,874
199,488
239,385
1,020,025
1,420,025
626,693
109,464
1,096,991
932,492
814,940
647,483
282,051
285,009
2,943,197
2,701,366
234,929
885,314
3,826
3,118
1,560,824
632,744
921,059
984,296
5.Fixed assets
222,559
195,894
1.Investment income
542,582
185,627
2.Gross premium
551,699
577,114
3.Net premium
346,832
295,834
4.Gross claims
446,721
5.Net claims
194,367
138,807

22,732
8,393
495,685
(44,911)
474,939
(37,435)
E.Other items
39,897
47,876
2.Cash dividend
0.20
0.20
0.20
0.10
(24,078)
(171,407)
25.73%
-2.12%
16.14%
-1.39%
11.90
-0.78


56.04%
46.92%
4.79%
-22.42%
156.44%
62.75%
G.Liquidity ratios
7.98%
32.77%
53.03%
23.42%
62.73%
65.48%
46.27
36.95
-5.07%
457.88%

I.Cash flow ratio
215
Reliance Insurance Co. Ltd.

Items
2007
2008
314,717
355,226
1.Share capital
176,225
229,092
2.Reserves
67,605
85,105
70,887
41,029
4.Others
398,014
583,496
338,203
532,062
59,811
51,434
712,731
938,722
94,953
85,033
940
965
270,416
285,858
275,909
495,355
70,513
71,511

5.Fixed assets
1.Investment income
43,234
18,263
2.Gross premium
632,160
650,698
3.Net premium
395,811
445,543
4.Gross claims
310,753
458,356
5.Net claims
156,971
208,358
58,526
48,173
88,346
52,260
70,746
40,510
17,622
22,909
2.Cash dividend
0.00
0.00
0.30
0.10
29,875
(13,817)
22.48%
0.11
9.93%
4.32%
E.Other items

4.01
1.77
39.66%
46.76%
82.73%
118.92%
10.92%
0.04
13.32%
9.06%
37.94%
30.45%
44.16%
37.84%
17.86
15.51
G.Liquidity ratios

I.Cash flow ratio
42.23%
-34.11%
216
Saudi Pak Insurance Co. Ltd.

Items
2007
2008
185,615
200,731
1.Share capital
250,000
325,000
(64,385)
(124,269)
413,130
433,973
393,704
401,258
19,426
32,715
598,745
634,704
118,284
99,822
2.Reserves
4.Others
77,091
78,613
367,901
417,997
35,469
38,272
21,387
(12,596)
2.Gross premium
274,673
283,451
3.Net premium
141,983
145,286
4.Gross claims
366,729
308,650
5.Net claims
114,086
(103,300)
38,796
(44,632)
(28,979)
(59,884)
(29,820)
(59,884)
25,000
32,500
0.00
0.00

5.Fixed assets
1.Investment income
E.Other items
2.Cash dividend
0.00
0.00
(1,582)
(78,530)
-16.07%
-29.83%
-4.98%
-9.43%
-1.19
-1.84
80.35%
-0.71


-1.30
74.53%
15.06%
-8.67%
19.76%
15.73%
12.88%
12.39%
0.31
31.63%
7.42
6.18
5.31%
131.14%

G.Liquidity ratios
I.Cash flow ratio

217
Security General Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others
2007
2008
6,526,241
6,532,722
226,875
680,625
2,000
2,000
6,297,366
5,850,097
799,187
1,245,712
159,361
249,024
639,826
996,688
7,325,428
7,778,434
71,163
119,780
6,969,086
7,225,334
205,900
353,047
79,279
80,273
6,329,299
297,564
180,821
210,871

5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
43,293
69,327
4.Gross claims
102,071
125,767
5.Net claims
17,137
16,750
26,912
41,819
6,258,163
158,589
6,262,358
153,949
E.Other items

2.Cash dividend
652,624
653,272
0.10
0.10
0.10
0.00
(15,475)
(55,301)
95.96%
2.36%
85.49%
1.98%
9.60
0.24
39.58%
24.16%
0.43%
27.16%
14619.68%
429.22%
0.97%
1.54%
95.14%
92.89%
89.09%
83.99%
10.00
10.00
-0.25%
-35.92%


G.Liquidity ratios
I.Cash flow ratio
218
Shaheen Insurance Co. Ltd.

Items
2007
2008
279,540
207,787
1.Share capital
175,000
175,000
2.Reserves
20,000
20,000
84,540
12,787
592,176
547,455
524,735
490,031
4.Others
67,441
57,424
871,716
755,242
235,861
166,841
693
1,406
234,104
181,534
361,636
352,515
39,422
52,946
5.Fixed assets
1.Investment income
83,774
(64,649)
2.Gross premium
746,419
701,245
3.Net premium
570,800
575,732
4.Gross claims
467,875
478,080
5.Net claims
369,997
333,832
34,744
66,392
63,061
(63,847)
60,207
(71,753)
17,500
17,500
2.Cash dividend
0.00
0.00
0.00
0.00
(8,233)
(30,912)
21.54%
-34.53%
6.91%
-0.10
3.44
-4.10
64.82%
57.98%
57.71%
-92.53%
14.68%
-11.23%
27.06%
22.09%
26.86%
24.04%
32.07%
27.51%
15.97
11.87
-13.67%
43.08%
E.Other items

G.Liquidity ratios

I.Cash flow ratio
219
Silver Star Insurance Co. Ltd.

Items
2007
2008
245,980
320,987
1.Share capital
125,000
168,750
2.Reserves
89,715
42,203
31,265
110,034
4.Others
37,281
37,049
156,353
178,201
116,342
2,320
40,011
175,881
439,614
536,237
211,517
279,284
4,422
5,439
44,948
51,942
100,229
107,716
78,498
91,856
13,240
12,149

5.Fixed assets
1.Investment income
2.Gross premium
191,985
3.Net premium
120,026
139,661
4.Gross claims
54,428
5.Net claims
25,476
16,044
75,377
84,270
77,798
82,292
70,173
(7,517)
E.Other items
12,500
16,000
2.Cash dividend
0.00
0.00
0.35
0.00
87,004
84,772
28.53%
-2.34%
15.96%
-0.01
5.61
-0.47


21.23%
11.49%
107.42%
-1121.06%
11.03%
0.09
48.11%
52.08%
10.22%
9.69%
55.95%
59.86%
19.68
20.06
123.99%
-1127.74%

G.Liquidity ratios

I.Cash flow ratio
220
The Asian Mutual Insurance Co. Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
221
The Cooperative Insurance Society of Pakistan Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
222
The Crescent Star Insurance Co. Ltd.

Items
2007
2008
123,177
109,648
1.Share capital
96,800
121,000
2.Reserves
26,265
26,265
112
(37,617)
9,889
177,732
177,051

4.Others
156,684
146,663
21,048
30,388
310,798
286,699
61,741
27,915
49,377
70,863
171,654
161,052
28,026
26,869
19,393
(9,011)
2.Gross premium
197,210
3.Net premium
170,281
140,800
4.Gross claims
130,299
5.Net claims
86,993
62,822
12,061
10,612
26,086
(37,399)
24,036
(37,729)

5.Fixed assets
1.Investment income
E.Other items

2.Cash dividend
9,680
12,100
0.25
0.00
0.00
0.00
(5,921)
(12,741)
19.51%
-34.41%
7.73%
-13.16%
2.48
-3.12
51.09%
44.62%
50.18%
-28.13%
11.39%
-0.06
19.87%
9.74%
15.89%
24.72%
39.63%
38.24%
12.72
9.06
-24.63%
33.77%

G.Liquidity ratios

I.Cash flow ratio
223
The Pakistan General Insurance Co. Ltd.

Items
2007
2008
275,041
1.Share capital
200,000
2.Reserves
65,000
10,041
4.Others
9,175
224,782
134,535
90,247
508,998
47,979
99
174,496
191,489
5.Fixed assets
94,935
1.Investment income
(1,346,842)
2.Gross premium
3.Net premium
91,863
4.Gross claims
5.Net claims
20,574
51,080
25,405
22,269
20,000
2.Cash dividend
0.00
0.00
25,129
E.Other items

0.08
4.38%
1.11
0.22
229.38%
-1466.14%
9.43%
34.28%
54.04%
13.75
112.84%
G.Liquidity ratios
I.Cash flow ratio
224
TPL Direct Insurance Co. Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
225
UBL Insurers Ltd.

Items
2007
2008
154,499
154,424
1.Share capital
300,000
300,000
(145,501)
(145,576)
2.Reserves
4.Others
548,705
648,038
472,945
536,163
75,760
111,875
703,204
802,462
23,383
24,738
219,169
1,418
281,815
114,723
123,935
579,407
54,902
82,176

5.Fixed assets
1.Investment income
25,605
3,965
373,298
522,905
3.Net premium
88,563
273,616
4.Gross claims
236,376
299,443
2.Gross premium
5.Net claims
80,030
145,589
120,933
96,816
129,409
129,980
(75)
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
22,497
(129,185)
84.13%
-0.05%
18.48%
-0.01%
E.Other items

4.33
0.00
90.37%
53.21%
93.04%
-1290.88
28.91%
1.45%
3.33%
3.08%
40.08%
0.14
21.97%
19.24%
5.15
5.15
G.Liquidity ratios
I.Cash flow ratio
17.31%
172246.67%
226
Union Insurance Co. Of Pakistan Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
227
United Insurance Co. of Pakistan Ltd.

Items
2007
2008
427,850
483,845
1.Share capital
252,006
302,407
2.Reserves
4.Others
75,116
75,115
100,728
106,323
1,639
1,557
352,772
359,251
191,009
208,044
161,763
151,207
782,261
844,653
191,199
206,770
1,254
1,631
58,461
84,474
315,797
328,270
5.Fixed assets
215,550
223,508
480
1,662
2.Gross premium
501,348
550,323
3.Net premium
312,658
356,523
4.Gross claims
188,834
204,880
83,271
102,975
178,531
168,587
108,080
58,223
100,346
55,913


1.Investment income
5.Net claims
E.Other items

2.Cash dividend
25,200
30,240
0.00
0.00
0.20
14.08%
93,042
88,705
23.45%
11.56%
12.83%
6.62%
3.98
1.85
26.63%
28.88%
177.92%
301.52%
0.15%
0.47%
24.44%
24.48%
7.47%
0.10
54.69%
57.28%
16.98
16.00
92.72%
158.65%


G.Liquidity ratios
I.Cash flow ratio
228
Universal Insurance Co. Ltd.

Items
2007
2008
235,606
256,914
1.Share capital
120,000
210,000
2.Reserves
18,072
14,368
97,534
32,546
552,122
598,817
492,244
119,646
4.Others
59,878
479,171
787,728
855,731
143,232
151,974
88,620
554
84,172
453,472
505,304
5.Fixed assets
102,404
113,727

1.Investment income
15,067
(1,531)
2.Gross premium
550,254
3.Net premium
371,535
407,075
4.Gross claims
319,513
5.Net claims
187,049
196,970
28,179
95,869
70,107
34,238
57,341
21,062
12,000
21,000
2.Cash dividend
0.00
0.00
0.00
0.00
(67,539)
(140,275)
E.Other items

24.34%
0.08
7.28%
2.46%
4.78
1.00
50.34%
48.39%
49.14%
455.18%
4.06%
-0.38%
18.18%
17.76%
0.00
9.84%
29.91%
30.02%
19.63
12.23
-117.78%
-666.01%
G.Liquidity ratios
I.Cash flow ratio
229
Takaful Companies - Overall

Items
2007
2008
1,206,788
1,821,033
1.Share capital
1,309,472
2,140,771
2.Reserves
(40,779)
(61,905)
(319,738)
4.Others
4,322
(7,429)
322,698
866,961
28,118
199,151
208,335
367,308
86,245
300,502
1,533,808
2,680,565
787,811
718,282
370,054
1,072,117
243,222
608,487
5.Fixed assets
132,721
281,679
28,293
91,662

1.Investment income
2.Gross premium
330,367
586,031
3.Net premium
120,630
1,035,041
4.Gross claims
253,283
522,621
5.Net claims
175,378
589,898
(64,168)
238,563
22,850
(133,126)
(56,403)
(118,028)

E.Other items
130,947
214,077
2.Cash dividend
N/A
N/A
N/A
N/A
(88,707)
(171,636)
-4.67%
-6.48%
-3.68%
-0.04
-0.43
-0.55

145.39%
56.99%
113.77%
-202.12%
23.45%
8.86%
51.36%
0.27
24.13%
0.40
78.68%
67.93%
9.22
8.51
157.27%
145.42%
G.Liquidity ratios

I.Cash flow ratio
230
Dawood Family Takaful Ltd.

Items
2007
2008
751,012
1.Share capital
750,000
2.Reserves
1,012
4.Others
(10,090)
33,054
11,434
1,665
19,955
773,976
114,625
543,823
88,407
5.Fixed assets
27,121
1.Investment income
43,383
2.Gross premium
34,017
3.Net premium
4.Gross claims
100,000
5.Net claims
100,000
10,757
5,104
75,000
2.Cash dividend
0.00
0.00
(106,316)
0.68%
0.66%
E.Other items
0.07
0.00
-
G.Liquidity ratios
14.81%
70.26%
97.03%
10.01
I.Cash flow ratio
-2082.99%
231
Pak Kuwait Takaful Co. Ltd.

Items
2007
2008
225,856
227,563
1.Share capital
250,000
250,000
(24,144)
(22,437)
183,233
121,358
36,424
(1,544)
126,785
101,378
20,024
21,524
409,089
348,921
219,491
142,024
2.Reserves
4.Others
33,631
42,591
114,353
130,034
41,614
34,272
3,288
558
2.Gross premium
260,222
222,456
3.Net premium
106,340
143,043
4.Gross claims
216,074
220,097
5.Net claims
158,065
197,353
(52,605)
(60,173)
2,646
1,707
1,345
1,707
25,000
25,000
0.00
0.00

5.Fixed assets
1.Investment income
E.Other items
2.Cash dividend
0.00
0.00
4,491
(80,188)
0.01
0.75%
0.33%
0.49%
0.05
0.07
148.64%
137.97%


-3911.15%
-3525.07%
3.09%
0.39%
53.65%
0.41
8.22%
12.21%
55.21%
65.22%
9.03
9.10
3.34
-46.98
G.Liquidity ratios
I.Cash flow ratio
232
Pak Qatar Family Takaful Ltd.

Items
2007
2008
424,320
367,095
1.Share capital
451,672
532,971
2.Reserves
(27,352)
(165,876)
1,661
11,307
293,332
1,595
226,212
176
65,459
9,536
1,661
437,288
660,427
208,641
81,268
179,278
285,428
9,276
157,717
40,093
136,014
1.Investment income
9,868
40,563
2.Gross premium
1,267
121,740
3.Net premium
1,095
456,177
4.Gross claims
86,295
5.Net claims
37,885
1,095
233,279
(21,420)
(105,262)
(21,426)
(62,330)

4.Others

5.Fixed assets
E.Other items

2.Cash dividend
45,167
53,297
0.00
0.00
0.00
0.00
(30,644)
16,442
-5.05%
-16.98%
-0.05
-9.44%
-0.47
-1.17
0.00
0.08
-5.11%
-374.26%
901.19%
8.89%
47.71%
12.31%
0.41
43.22%
97.03%
55.58%
9.39
6.89
143.02%
-26.38%


G.Liquidity ratios
I.Cash flow ratio
233
Pak Qatar General Takaful Ltd.

Items
2007
2008
297,391
278,576
1.Share capital
307,800
307,800
(10,409)
(29,224)
4.Others
2,661
2,661
3,559
63,023
28
347
40,718
2.Reserves

3,184
22,305
303,611
344,260
177,469
135,543
106,259
122,485
5,773
53,313
14,110
32,919

5.Fixed assets
1.Investment income
14,805
3,965
1,621
3.Net premium
(1,528)
273,616
4.Gross claims
399
5.Net claims
399
145,589
(1,930)
96,816
(5,660)
(5,668)
(75)
30,780
30,780
2.Cash dividend
0.00
0.00
0.00
0.00
(43,132)
(129,185)
-1.91%
-0.03%
-1.87%
-0.02%
-0.18
0.00
-26.11%
53.21%
2.Gross premium
E.Other items


34.05%
-1290.88
-968.91%
1.45%
58.45%
39.37%
0.35
35.58%
97.95%
80.92%
9.66
9.05
760.97%
172246.67%
G.Liquidity ratios
I.Cash flow ratio
234
Takaful Pakistan Ltd.

Items
2007
2008
259,221
196,787
1.Share capital
300,000
300,000
2.Reserves
(40,779)
(103,213)

4.Others
124,599
356,194
(9,929)
(36,951)
81,027
158,088
53,501
235,057
383,820
552,981
182,210
244,822
50,886
77,790
113,820
179,016
36,904
51,353
332
3,193
2.Gross premium
67,257
207,818
3.Net premium
14,723
162,205
4.Gross claims
36,810
116,229
5.Net claims
16,914
109,071
(10,728)
(31,359)
47,284
(40,328)
(30,654)
(62,434)

5.Fixed assets
1.Investment income
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
(19,422)
127,611
-11.83%
-31.73%
-7.99%
-11.29%
-1.02
-2.08
114.88%
67.24%
0.35
50.23%
2.25%
1.97%
47.47%
44.27%
13.26%
14.07%
67.54%
35.59%
8.64
6.56
63.36%
-204.39%


G.Liquidity ratios

I.Cash flow ratio
235
2011
HOUSING FINANCE
In the housing finance sector, there have been two companies available, i.e., Asian Housing Finance
Limited and House Building Finance Corporation (HBFC). Total assets witnessed an increase of 1.7
percent to stand at Rs 19.6 billion in FY11 as compared to Rs. 19.2 billion in FY10. House Building
Finance Corporation (HBFC) showed a profit before taxation of about Rs.169.0 billion.
Total equity increased from

Rs 2.2 billion in FY10 to Rs
25.0
6%
5%
20.0
5%
2.3 billion in FY11, however

4%
15.0
3%
share capital remains same at

10.0
2%
2%
3.1 billion during the current

two years under review. Total
assets slightly increased from

Rs. 19.2 billion in FY 10 to
Rs.
19.6 billion in FY11,

showing a growth of
1.7
percent over last year. Current

20,000
assets contribute almost 99.2

15,000
percent of total assets in

FY11.
Total
liabilities
remained same at Rs.
almost
17.1
billion during the current two

years under review.
Gross revenue increased from Rs 1.6 billion in FY10 to Rs 2.0 billion in FY11 showing an increase of
around 25.8 % over prvious year. House Building Finance Corporation (HBFC) showed a profit before
taxation of Rs.169.0 billion.
236
Housing Finance Companies - Overall

Items
2007
2008
130,909
2,575,852
1.Share capital
126,164
3,127,164
2.Statutry reserves
12,973
498,463
(8,228)
(1,049,775)
4.Others
2,685
2,685
23,971
15,778,578
23,851
15,778,578
2.Non-current liabilities (a + b)
a.Lease finance
b.Long term finance
120
120
157,565
18,357,115
117,423
18,323,522
309
704,067

117,114
17,619,455
40,142
33,593
a.Investment in housing finance
11,098
9,188
b.Other assets
29,044
24,405
3,980
3,068,036
2.Admin. & general expense
16,248
1,227,434
(12,268)
(2,841)
12,289
(389,881)
12,616
312,716

1.Revenue

E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
(13,691)
(227,022)
9.39%
-15.14%
9.19%
-15.12%
0.08
-2.12%
-1.32
-432.04
0.97
-1.25
0.00
3.84%
2.Cuurent assets to current liabilities (C1/B1)
4.92
1.16
0.15
0.86
4.Investment to total assets (C2a/C)
7.04%
0.05%
83.08%
14.03%
10.38
8.24
1.Cash generated. from operating activities to profit after tax
-1.11
0.58
-0.57
-0.01

G.Liquidity ratios

I.Cash flow ratio
237
Asian Housing Finance Ltd.

Items
2007
2008
130,909
126,585
1.Share capital
126,164
126,164
2.Statutry reserves
12,973
12,973
(8,228)
(12,552)
4.Others
2,685
2,685
23,971
17,256
23,851
17,256
120
a.Lease finance
120
157,565
146,526
117,423
112,933
b.Long term finance
309
779
117,114
112,154
40,142
33,593
11,098
9,188
b.Other assets
29,044
24,405
3,980
11,811
16,248
11,085
(12,268)
(4,264)
12,289
(4,324)
12,616
12,616
2.Cash dividend
0.00
0.00
0.00
0.00
(13,691)
12,129
9.39%
-0.03%
9.19%
-0.03%
0.08
-0.03%
-1.32
-2.60
0.97
-0.34
0.00
0.01%
4.92
6.55

1.Revenue

E.Other items


G.Liquidity ratios
0.15
0.12
7.04%
0.06%
83.08%
0.86%
10.38
10.03
-1.11
-2.81

I.Cash flow ratio
1.Cash generated. from operating activities to profit after tax
-0.57
0.70
238
HOUSE BUILDING FINANCE COMPANY LIMITED

Items
2007
2008
2,449,267
1.Share capital
3,001,000
2.Statutry reserves
485,490
(1,037,223)
4.Others
15,761,322
15,761,322
a.Lease finance
b.Long term finance
18,210,589
18,210,589
703,288
17,507,301
b.Other assets
1.Revenue
3,056,225
1,216,349
1,423
(385,557)
300,100
2.Cash dividend
0.00
0.00
(239,151)
-15.74%
-15.74%
-2.12%
854.78
-1.28
E.Other items
G.Liquidity ratios
3.86%
1.16
0.87
0.00
13.45%
8.16
1.Cash generated. from operating activities to profit after tax -
0.62
-0.02
I.Cash flow ratio
239
2011
VENTURE CAPITALS
Venture Capital reflected contraction in balance sheet size during the period under review. Total
equity contracted by around 59 percent during FY11. Total assets base stood at 5.1 billion in FY11.
Venture Capital showed losses before and after taxation of about Rs 1.1 billion in FY11.
Total equity is in the negative zone at Rs -2.1 billion in FY11 due to heavy unappropriated loss shown
by TRG Pakistan Limited. Total assets
Components of Shareholder's Equity
declined from Rs 6.2 billion in FY10
8.0
7.0
-4%
6.0
to Rs 5.1 billion in FY11, showing a
5.0
4.0
3.0
2.0
-40%
decline of 18.2 percent. In composition
1.0
-50%
0.0
-1.0
-2.0
of total assets, current assets comprise

54.9 percent while remaining
45.1
percent are non-current assets.
FY 10
FY 11
Total Liabilities decreased from Rs 6.8

Growth
billion in FY10 to Rs
6.5 billion
during FY11, recording a decline of around 3.8 percent over FY10.The venture investment declined
by 12.0 percent in FY11 over FY10.
Gross revenue increased from Rs 9.5 billion in FY10 to Rs 10.2 billion in FY11, witnessing an
increase of around
7.6 percent over

Revenue
FY10. On the other
hand,
12.0
Administrative and General Expenses

10.0
which were Rs
2.9 billion during
FY10 declined to Rs.
2.8 billion,
8.0
6.0
4.0
registering a decrease of 3.4 percent. It

2.0
is also noted that the ratio of

0.0
Administrative and General Expenses

to revenue which stood at
30.25
percent in FY10 came down to 27.17 percent in FY11. Venture Capital however, suffered heavy
losses again in FY11. Losses before and after tax stood at Rs. 1.1 billion in FY11.
240
Venture Capital - Overall

Items
2007
2008
3,835,782
3,795,510
1.Share capital
4,168,907
4,168,907
(333,125)
(373,397)
12,000
220,219
247,193
54,861
224,871
165,358
22,322
4,056,001
4,054,703
146,100
144,913
8,821
6,496
137,279
138,417
3,909,901
3,909,790
a.Venture investment
3,862,483
3,862,483
47,418
47,307
1.Revenue
30,045
20,342
2.Admin. & operating expense
47,794
48,378
3.Financial charges
53,967
55,628
(79,379)
(65,588)
(79,379)
(91,307)
416,891
416,891
2.Reserves
4.Others
b.Others
b.Others
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
(73,203)
(79,925)
-2.07%
-2.41%
-1.98%
-2.38%
-1.96%
-2.25%
-2.64
-448.86%
159.07%
237.82%
-0.19
-0.22
0.22%
0.16%
2.66
0.64

5.Admin. expense to revenue (D2/D1)
G.Liquidity ratios
0.05
0.06
94.57%
93.61%
9.20
9.10
0.92
0.88
-1.33
-0.36

I.Cash flow ratio
241
AKD Capital Ltd.

Items
2007
2008
1.Share capital
2.Reserves
4.Others
b.Others
b.Others
1.Revenue
3.Financial charges
2.Cash dividend
E.Other items

G.Liquidity ratios
I.Cash flow ratio
242
AMZ Venture Capital

Items
2007
2008
259,222
233,655
1.Share capital
300,000
300,000
(40,778)
(66,345)
187,171
213,055
23,856
193,519
163,315
19,536
446,393
446,710
102,602
103,815
207
14
b.Others
102,395
103,801
343,791
342,895
304,128
304,128
39,663
38,767
14,005
4,542
2.Reserves
4.Others
b.Others
1.Revenue
3.Financial charges
4,383
2,586
26,511
27,952
(16,375)
152
(16,375)
(25,567)
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
6,683
15,964
-6.32%
-10.94%
-3.88%
-0.10
-3.67%
-5.72%


-116.92%
-5.63
0.31
56.94%
-0.55
-0.85
G.Liquidity ratios
0.05%
0.00
4.30
0.54
0.42
0.48
58.07%
52.31%
8.64
7.79
-0.41
-0.62
0.28
0.08

I.Cash flow ratio
243
TMT-Venture Capital
Items
2007
2008
10,166
(4,539)
1.Share capital
15,000
15,000
(4,834)
(19,539)
2.Reserves
4.Others
12,000
3,833
4,923
1,790
2,137
2,043
2,786
13,999
12,384
9,778
7,378
2,387
255
b.Others
7,391
7,123
b.Others
4,221
5,006
4,221
5,006
7,740
7,500
19,465
21,846

1.Revenue
3.Financial charges
257
477
(11,970)
(14,706)
(11,970)
(14,706)
E.Other items
1,500
1,500
2.Cash dividend
0.00
0.00
0.00
0.00
3,861
(12,142)
-117.75%
3.24%
-98.04%
-1.44%
-85.51%
-1.19%
-154.65%
-1.96%
251.49%
-1.49%
-7.98
-9.80


G.Liquidity ratios
17.05%
0.02%
5.46
3.45
0.27
0.40
72.62%
-0.37%
6.78
-3.03
-0.32
0.83
2.16
-5.68

I.Cash flow ratio
244
TRG Pakistan Limited

Items
2007
2008
3,566,394
3,566,394
1.Share capital
3,853,907
3,853,907
(287,513)
(287,513)
2.Reserves
4.Others
29,215
29,215
29,215
29,215
3,595,609
3,595,609
33,720
33,720
6,227
6,227
27,493
27,493
3,561,889
3,561,889
3,558,355
3,558,355
3,534
3,534
8,300
8,300
23,946
23,946
b.Others
b.Others
1.Revenue
3.Financial charges
27,199
27,199
(51,034)
(51,034)
(51,034)
(51,034)
E.Other items
385,391
385,391
2.Cash dividend
0.00
0.00
0.00
0.00
(83,747)
(83,747)
-1.43%
-1.43%
-1.43%
-1.43%
-1.42%
-1.42%
-614.87%
-614.87%
288.51%
288.51%
-0.13
-0.13


G.Liquidity ratios
0.17%
0.17%
1.15
1.15
0.01
0.01
99.19%
99.19%
9.25
9.25
1.64
1.64
-2.87
-2.87

I.Cash flow ratio
245
2011
Appendix
2011
Appendix
Companies Covered in the Financial Statements Analysis
As on 31st December 2011
Total Companies (182)
Page.
Company
Page
Banks (38)*
A.
B.
Public Sector Banks (5)

1 First Women Bank Limited
30
2 National Bank of Pakistan
31
3 Sindh Bank Ltd.
32
4 The Bank of Khyber
33
5 The Bank of Punjab
34
Private Sector Banks (22)

1 Albaraka Bank (Pakistan) imited
36
2 Allied Bank of Pakistan Ltd.
37
3 Askari Bank Ltd.
38
4 Bank Al Habib Ltd.
39
5 Bank Al Falah Ltd.
40
6 Bank Islami Pakistan Ltd.
41
7 Burj Bank Limited
42
8 Dubai Islami Bank
43
9 Faysal Bank Ltd.
44
10 Habib Bank Ltd.
45
11 Habib Metropolitan Bank Ltd.
46
12 JS Bank
47
13 KASB Bank Ltd.
48
14 MCB Bank Ltd.
49
15 Meezan Bank Ltd.
50
16 NIB Bank
51
247
Company
Page
#
79
5 Pak Libya Holding Company Limited
6 Pak Oman Investment Company
80
Limited
7 Saudi Pak Industrial & Agri. Inv
81
(PVT) Ltd.
Leasing Companies (9)**

1 Grays Leasing Ltd.
86
2 NBP Leasing Limited
87
3 Orix Leasing Pak Ltd.,
88
4 Pak-Gulf Leasing Company Ltd.
89
5 SME Leasing Ltd.*
90
6 Saudi Pak Leasing Co. Ltd.,
91
7 Security Leasing Corp. Ltd.,
92
8 Sigma Leasing Corp. Ltd.,*
93
9 Standard Chartered Leasing Limi
94
Investment Banks (7)**

1 Escorts Investment bank
98
2 First Credit and Investment bank
99
3 First Dawood Investment bank
100
4 IGI Investment Bank Ltd.
101
5 Invest Capital Investment bank Lt
102
6 Security Investment Bank Ltd.*
103
7 Trust Investment bank Ltd.
104
Mutual Fund Companies

(15)**
1 Al Meezan Mutual Fund
108
248
Company
Page
Insurance Companies (50)*
12 Habib Bank Modarba
137
13 Habib Modarba
138
14 IBL Modarba
139
15 KASB Modarba
140
16 National Bank Modarba
141
17 Pak Modarba
142
18 Paramount Modarba
143
19 Prudential Modarba
144
20 Punjab Modarba
145
21 Standard Chartered Modarba
146
22 Treet Manufacturing Modarba
147
23 Tri-Star Modarba
148
24 Trust Modarba
149
25 UDL Modarba
150
26 Unicap Modaraba
151
A.
Exchange Companies (24)*

1 AA Exchange Company (Pvt.) Ltd
155
2 Al-Hameed IntL. Money Ex (Pvt.
156
3 Al-Rahim Exchange Company (Pvt
157
4 Al-Sahara Exchange Company (Pvt
158
5 D. D Exchange Company (Pvt) Lt
159
6 Dollar East Exchange Company (P
160
7 Fairdeal Exchange Company (Pvt.
161
8 Galaxy Exchange Company (Pvt.)
162
9 H and H Exchange Company (Pvt.
163
10 Habib Currency Exchange (Pvt.)
164
11 Habib Qatar International Exchan
165
Ltd.
249
Company
Page
#
5 Allianz EFU Health Insurance C
196
Ltd.
6 Asia Insurance Company Ltd.
197
7 Askari General Insurance Compan
198
8 Atlas Insurance Company Ltd.
199
9 Capital Insurance Company Ltd.
200
10 Century Insurance Company Ltd.
201
11 Cyan Ltd.
202
12 E.F.U. General Insurance Compan
203
13 East West Insurance Company Ltd
204
14 Excel Insurance Company Ltd.
205
15 Habib Insurance Company Ltd.
206
16 Hallmark Insurance Co., Ltd.
207
17 International General Insurance C
208
Pakistan Ltd.
18 Jubilee General Insurance Compa
209
Ltd.
19 National Insurance Corporation
210
20 New Hampshire Insurance Comp
211
Ltd.
21 Pakistan Mutual Insurance Comp
212
Ltd.
22 Pakistan Reinsurance Company Lt
213
23 PICIC Insurance Ltd.
214
24 Premier Insurance Company Ltd.
215
25 Reliance Insurance Company Ltd.
216
26 Saudi Pak Insurance Company Lt
217
27 Security General Insurance Comp
218
Ltd.
28 Shaheen Insurance Company Ltd.
219
29 Silver Star Insurance Company Lt
220
30 The Asian Mutual Insurance Co.
221
(Guarantee) Ltd.
31 The Co-operative Insurance Socie
222
Pakistan Ltd.
32 The Crescent star Insurance Com
223
Ltd.
33 The Pakistan General Insurance
Company Ltd.
* Calender year, ** Fiscal year
250
2011
Explanatory Notes:
In the analysis, consolidated financial statement of a company is used to cover full potential of
the parent company.
Data revisions in the preceding years are due to restated balance sheets by respective
224
institutions plus error & omissions, if any.

Respective closings of different sectors/companies are mentioned in the appendix.
Data of non-responding existing companies are repeated for 3 years before their removal from
analysis in the publication.
Sector-wise coverage is based on the available financial statements of companies.
Reclassification in sectors and renaming may happen during the year, which would be
reflected in the next years publication.

Repeated data of any company is replaced with the actual one upon receipt of its annual report
in that years publication.
The symbol - appearing in the analytical tables stands for Not applicable or Not available.
251
2011
ment Analysis of Financial Sector
(Thousand Rupees)
2009
2010
2011
582,598,286
610,649,234
778,832,788
322,555,374
348,918,576
452,485,661
163,552,147
180,833,697
189,042,759
96,490,765
80,896,961
137,304,368
84,003,150
88,490,784
30,545,204
5,864,049,257
6,489,714,495
7,485,707,062
71,535,885
75,421,757
85,260,553
659,274,039
550,000,562
682,357,699
4,797,876,214
5,513,826,158
6,322,197,404
335,363,119
350,466,018
395,891,406
6,530,650,693
7,188,854,513
8,295,085,054
537,292,488
595,747,312
702,543,356
195,972,436
180,579,242
193,129,000
238,445,016
214,680,843
207,938,045
1,708,679,933
2,171,288,430
3,080,510,473
3,564,239,824
3,779,635,789
3,816,668,337
425,320,610
562,428,103
572,907,695
304,669,387
372,648,121
399,438,060
3,259,570,437
3,406,987,668
3,417,230,277
192,043,955
203,638,519
217,209,736
398,646,428
415,932,499
476,524,167
593,703,103
630,569,606
748,313,549
326,058,617
337,669,590
404,285,777
276,157,706
287,472,434
345,569,612
113,917,187
78,361,932
60,819,829
162,212,990
212,455,704
297,336,503
106,091,369
105,468,634
111,109,122
190,059,825
207,934,611
229,862,158
182,414,959
201,053,704
227,574,365
69,304,886
113,795,360
169,664,520
48,198,550
71,158,233
112,718,176
604,337,114
502,982,911
1,007,041,199
3,078,623,557
3,121,226,583
3,728,294,254
46.51%
45.59%
46.18%
0.04
4.07%
4.15%
8.27%
11.65%
14.47%
0.74%
0.99%
1.36%
1.62%
1.47%
1.34%
2.48%
2.96%
3.58%
54.92%
53.55%
54.03%
2.63
1.77
1.34
27.16%
28.25%
26.75%
1.72
1.91
2.05
11.23%
0.11
0.11
26.16%
0.30
37.14%
49.91%
47.39%
0.41
73.47%
0.77
76.22%
89.79%
90.27%
90.24%
74.29%
68.55%
60.37%
65.31%
62.33%
54.49%
11.93%
14.88%
15.01%
8.55%
9.86%
10.47%
0.73
0.92
73.56%
37.39%
21.03%
15.23%
71.63%
66.26%
69.72%
8.92%
8.49%
9.39%
5.28
5.11
4.79
8.24
9.03
8.12
12.54
7.07
8.93
2011

(Thousand Rupees)
2009
2010
2011
546,749,512
575,850,581
736,145,954
287,671,156
314,927,769
413,765,908
163,459,432
180,708,124
188,893,473
95,618,924
80,214,688
133,486,573
84,112,627
88,781,586
30,702,014
5,658,751,947
6,290,968,977
7,272,962,102
67,938,226
69,858,475
81,275,225
642,543,459
534,575,425
660,893,348
4,636,939,784
5,357,495,365
6,154,326,577
311,330,478
329,039,712
376,466,952
6,289,614,086
6,955,601,144
8,039,810,070
502,499,262
562,952,771
664,067,113
179,702,590
176,507,499
188,700,362
206,327,062
178,200,677
189,583,974
1,656,307,323
2,091,478,733
2,967,129,069
3,469,125,954
3,708,140,800
3,743,452,773
418,929,619
553,335,344
565,307,173
299,881,001
366,781,129
392,634,151
3,169,244,953
3,341,359,671
3,350,818,622
188,454,465
201,415,400
215,033,249
387,078,431
403,686,393
464,477,681
571,440,077
610,157,558
724,285,836
313,861,482
332,575,929
392,102,677
266,091,815
277,581,629
333,724,999
109,190,178
75,740,441
59,473,036
156,872,452
205,142,052
286,796,495
100,482,691
100,630,451
106,557,701
178,005,794
198,397,770
220,132,012
170,516,859
191,692,767
217,940,592
70,155,458
111,748,712
164,064,098
49,007,928
70,198,522
109,057,518
28,727,998
31,439,491
41,323,258
N/A
N/A
N/A
N/A
N/A
N/A
577,721,142
490,297,865
978,817,338
2,689,531,535
2,675,985,776
3,271,877,496
46.57%
45.49%
46.08%
0.04
3.99%
4.13%
8.96%
12.19%
14.81%
0.78%
1.01%
1.36%
0.02
1.45%
1.33%
2.49%
2.95%
3.57%
54.92%
54.51%
54.14%
2.43
1.72
1.33
26.49%
27.91%
0.27
1.70
1.90
2.05
1.71
2.23
2.64
10.85%
10.63%
10.61%
26.33%
30.07%
36.91%
50.39%
48.04%
41.68%
73.72%
77.02%
76.55%
89.97%
90.44%
90.46%
74.81%
69.21%
60.83%
65.71%
62.93%
54.93%
12.08%
14.92%
0.15
8.64%
9.89%
10.49%
76.62%
96.09%
76.79%
36.41%
20.65%
15.15%
71.58%
66.29%
69.46%
8.69%
8.28%
9.16%
4.92
4.65
4.44
19.03
18.32
17.81
8.48
9.30
8.36
11.79
6.98
8.98
2011
(Thousand Rupees)
2009
2010
2011
107,010,826
105,265,258
127,855,842
21,339,327
24,030,254
41,414,299
31,486,173
27,923,238
29,278,867
54,185,326
53,311,766
57,162,676
24,580,515
40,149,918
41,347,659
1,049,639,678
1,185,232,528
1,397,449,415
12,159,963
8,970,578
10,375,239
62,285,275
35,045,634
74,790,720
926,628,132
1,087,487,521
1,248,192,841
48,566,308
53,728,795
64,090,615
1,181,231,019
1,330,647,704
1,566,652,916
129,608,813
135,642,657
153,973,921
33,955,399
36,122,514
34,009,639
23,263,730
33,849,174
66,120,024
262,331,351
380,720,883
479,516,725
702,632,358
718,055,264
788,464,677
118,528,163
168,813,094
166,430,443
80,452,578
93,825,342
96,999,775
622,179,780
624,229,922
691,464,902
29,890,350
32,465,159
33,839,457
80,001,596
87,617,395
107,728,248
100,164,255
112,480,667
128,941,668
59,860,679
67,660,293
77,559,526
40,303,576
44,820,374
51,382,142
32,491,627
13,736,092
12,227,283
7,811,949
31,729,814
44,341,083
23,742,739
20,153,147
22,950,040
28,073,776
32,695,068
32,233,064
26,787,981
31,644,453
37,303,271
3,480,912
31,592,317
29,411,229
6,672,253
22,372,156
19,884,505
2,133,932
2,403,025
4,141,430
N/A
N/A
N/A
N/A
N/A
N/A
974,839
126,587,260
107,145,797
290,828,179
453,490,628
598,692,115
40.24%
39.85%
39.85%
3.41%
3.37%
3.28%
6.24%
21.25%
15.55%
0.56%
1.68%
1.27%
2.01%
1.51%
1.46%
0.66%
2.38%
2.83%
59.76%
60.15%
60.15%
7.70
1.00
1.27
22.66%
24.65%
21.22%
1.13
1.57
1.63
3.13
9.31
4.80
13.85%
12.91%
0.12
22.21%
28.61%
30.61%
52.67%
46.91%
44.14%
78.45%
81.73%
79.67%
88.86%
89.07%
0.89
75.83%
66.03%
63.17%
71.05%
63.97%
0.60
16.87%
23.51%
21.11%
11.45%
13.07%
0.12
110.76%
160.37%
130.17%
40.39%
14.64%
12.61%
67.88%
55.58%
58.28%
9.06%
7.91%
8.16%
2.72
4.31
4.68
50.15
43.81
30.87
8.66
10.33
9.76
0.15
5.66
5.39
2011
(Thousand Rupees)
2009
2010
2011
1,058,318
1,084,517
1,645,428
283,650
283,650
1,080,038
228,540
233,282
284,991
546,128
567,585
280,399
35,049
21,504
74,136
9,164,693
11,597,139
14,408,971
89,020
102,182
96,417
31,328
966,885
51,100
8,756,793
10,195,214
13,814,854
287,552
332,858
446,600
10,258,060
12,703,160
16,128,535
713,140
836,311
973,701
586,849
600,228
561,555
1,136,025
926,323
1,605,946
4,097,423
3,430,251
4,730,434
3,481,854
6,535,694
7,901,127
207,633
430,232
523,443
207,633
227,554
200,064
3,274,221
6,308,140
7,701,063
203,972
188,248
229,344
246,430
413,659
326,492
896,476
1,374,548
1,918,759
408,000
763,841
1,176,451
488,476
610,707
742,308
179,549
76,899
5,475
308,927
533,808
747,783
66,879
57,141
253,719
462,060
536,272
601,399
451,930
533,679
600,986
(86,254)
54,677
400,103
(80,101)
23,711
258,547
28,365
28,365
108,004
0.00
0.00
0.00
0.00
0.00
0.00
2,108,232
(521,807)
1,070,465
226,087
201,272
297,230
54.49%
44.43%
38.69%
4.76%
4.81%
0.05
-7.57%
2.19%
15.71%
-0.78%
0.19%
0.02
0.65%
0.45%
1.57%
3.01%
0.04
4.64%
45.51%
55.57%
61.31%
-5.24
9.76
1.50
47.96%
37.46%
27.68%
6.76
9.34
2.37
-2.82
0.84
2.39
12.67%
11.31%
9.52%
39.94%
0.27
29.33%
31.92%
49.66%
47.75%
85.37%
80.26%
85.65%
89.34%
91.29%
89.34%
39.76%
64.11%
57.19%
39.62%
58.55%
56.98%
5.96%
6.58%
6.62%
5.96%
3.48%
2.53%
19.62%
39.67%
31.81%
86.47%
33.79%
2.74%
1.00
52.89%
38.22%
10.32%
8.54%
0.10
0.21
0.19
0.18
37.31
38.23
15.23
8.27
9.40
8.40
-26.32
-22.01
4.14
2011
(Thousand Rupees)
2009
2010
2011
95,855,355
105,687,665
112,736,906
10,763,702
13,454,629
16,818,286
23,395,059
25,129,425
26,206,507
61,696,594
67,103,611
69,712,113
24,937,197
25,611,167
23,057,503
825,460,717
906,719,635
1,017,685,691
10,621,169
8,006,631
9,104,710
44,828,138
19,657,207
26,371,675
727,513,013
832,134,054
927,415,132
42,498,397
46,921,743
54,794,174
946,253,269
1,038,018,467
1,153,480,100
116,668,514
115,657,025
131,843,291
28,786,397
30,743,368
28,069,897
19,683,526
23,051,171
44,360,727
217,596,037
301,078,498
319,527,254
531,103,507
540,130,378
594,588,647
71,174,034
86,871,353
88,324,597
55,765,068
61,243,623
67,479,438
475,338,439
478,886,755
527,109,209
25,200,870
27,620,697
28,126,754
62,979,486
60,980,953
74,442,968
78,124,796
88,681,381
95,689,741
40,448,291
45,169,744
48,516,517
37,676,505
43,511,637
47,173,224
11,820,292
10,009,482
9,358,165
25,856,213
33,502,155
37,815,059
19,109,332
18,150,883
19,754,420
23,766,703
27,030,751
26,116,002
22,816,665
26,732,045
30,760,815
21,198,842
24,622,287
26,116,002
17,449,042
17,738,405
17,709,165
1,076,370
1,345,463
1,681,829
0.75
0.75
0.75
0.25
0.25
0.10
40,806,019
92,320,340
41,185,585
236,732,608
405,881,788
520,889,244
48.23%
49.07%
0.49
3.98%
4.19%
4.09%
0.18
16.78%
15.71%
1.84%
1.71%
1.54%
2.02%
1.75%
1.71%
2.73%
3.23%
3.28%
51.77%
50.93%
0.51
1.08
1.09
1.18
24.44%
0.25
22.62%
1.19
1.47
1.56
16.21
13.18
10.53
15.37%
0.14
13.86%
0.23
29.01%
0.28
50.23%
46.13%
0.46
76.88%
80.17%
0.80
87.23%
87.35%
88.23%
0.73
64.91%
64.11%
68.77%
63.41%
62.34%
0.13
16.08%
14.85%
0.11
11.34%
11.35%
74.25%
0.82
78.35%
0.21
16.34%
13.87%
78.35%
0.71
0.76
10.13%
10.18%
9.77%
2.47
3.84
4.62
89.05
78.55
67.03
7.59
7.87
8.23
2.34
5.20
2.33
2011
10,749,561
10,000,000
149,912
599,649
(86,548)
37,067,110
42,251
13,012,647
23,517,740
494,472
47,730,123
1,655,815
243,519
10,905,410
26,081,535
7,259,330
0
0
7,259,330
584,054
1,000,460
3,704,280
2,241,345
1,462,935
31,382
1,431,553
222,183
513,773
513,773
1,139,963
749,561
1,000,000
0.00
0.00
18,654,331
25,311,295
39.49%
3.07%
6.97%
1.57%
0.47%
0.03
60.51%
0.45
13.08%
2.31
0.75
3.98%
54.64%
15.21%
49.27%
77.66%
30.87%
19.87%
0.00
0.00
0.00
-
22.52%
2.35
10.75
2.19
24.89
2011
(Thousand Rupees)
2009
2010
2011
5,040,633
5,604,119
9,700,427
5,004,001
5,004,001
8,228,001
435,342
548,039
722,501
(398,710)
52,079
749,925
921,664
3,796,254
665,067
32,848,273
41,393,930
58,058,972
229,973
280,665
281,292
5,147,036
2,894,759
10,391,732
26,285,794
36,981,351
45,548,423
1,185,470
1,237,155
1,837,525
38,810,570
50,794,303
68,424,466
1,542,102
5,079,720
2,802,781
2,403,698
1,502,684
1,527,561
1,810,846
2,562,093
1,800,566
17,925,911
19,852,730
36,684,689
14,820,746
21,272,033
25,284,711
4,457,159
4,117,581
3,938,731
2,984,784
3,033,700
2,996,912
11,835,962
18,238,333
22,287,799
1,013,670
1,121,554
1,301,822
2,278,381
2,437,189
2,019,248
3,390,014
4,207,155
6,946,827
2,390,388
2,925,066
4,551,942
999,626
1,282,089
2,394,885
1,261,819
322,766
244,624
(262,193)
1,604,855
2,150,261
383,702
59,677
730,010
920,279
951,391
1,285,458
719,453
943,680
1,468,480
(798,770)
713,141
1,285,458
(637,183)
563,486
872,308
500,400
500,400
822,800
0.00
0.00
0.00
0.00
0.00
0.00
6,445,596
1,804,102
13,250,791
6,966,342
7,560,301
9,270,649
29.49%
30.47%
34.47%
2.58%
2.52%
0.04
-12.64%
10.05%
8.99%
-1.64%
1.11%
1.27%
0.99%
0.12%
1.07%
-0.68%
3.16%
3.14%
70.51%
69.53%
65.53%
-0.90
1.32
1.14
24.39%
0.22
16.74%
1.88
15.81
2.01
-1.27
1.13
1.06
10.17%
12.96%
6.33%
46.19%
39.08%
53.61%
0.31
35.91%
32.57%
67.73%
72.81%
66.57%
84.64%
81.49%
84.85%
56.38%
57.52%
55.51%
47.15%
53.35%
0.45
30.07%
19.36%
15.58%
20.14%
14.26%
11.85%
88.42%
73.47%
0.41
42.28%
10.64%
8.16%
66.97%
73.68%
76.09%
12.99%
11.03%
14.18%
1.38
1.35
0.96
10.07
11.20
11.79
5.21
6.60
4.70
-10.12
3.20
15.19
2011
(Thousand Rupees)
2009
2010
2011
5,056,520
(7,111,043)
(6,976,480)
5,287,974
5,287,974
5,287,974
7,427,232
2,012,492
1,914,956
(7,658,686)
(14,411,509)
(14,179,410)
(1,313,395)
10,720,993
17,637,501
182,165,995
225,521,824
270,228,671
1,219,801
581,100
850,569
12,278,773
11,526,783
24,963,566
164,072,532
208,176,902
237,896,692
4,594,889
5,237,039
6,517,844
185,909,120
229,131,774
280,889,692
10,685,057
14,069,601
16,698,333
2,178,455
3,276,234
3,607,107
633,333
7,309,587
7,447,375
22,711,980
56,359,404
92,492,813
153,226,251
150,117,159
153,430,862
42,689,337
77,393,928
73,643,672
21,495,093
29,320,465
26,323,361
131,731,158
120,796,694
127,107,501
3,471,838
3,534,660
3,597,483
14,497,299
23,785,594
29,939,080
17,752,969
18,217,583
20,682,061
16,614,000
18,801,642
21,073,271
1,138,969
(584,059)
(391,210)
19,229,967
3,326,945
2,587,637
(18,090,998)
(3,911,004)
2,196,427
4,182,826
1,885,446
1,989,708
2,924,734
4,176,654
3,716,432
2,799,933
3,435,049
3,959,217
(16,832,906)
6,202,212
469,703
(10,059,505)
4,046,554
294,924
528,797
528,797
528,797
0.00
0.00
0.00
0.00
0.00
(48,385,008)
32,984,625
32,984,625
46,903,142
39,847,267
42,923,697
6.42%
-3.21%
-1.89%
0.61%
-0.25%
-0.14%
-198.94%
-56.91%
-4.23%
-5.41%
1.77%
0.00
2.25%
0.82%
0.71%
-9.73%
-1.71%
0.78%
93.58%
103.21%
101.89%
-0.17
0.55
8.43
13.33%
20.78%
16.39%
0.67
1.82
1.99
-19.02
7.65
0.56
6.92%
7.57%
7.23%
12.22%
0.25
32.93%
70.86%
52.72%
45.25%
88.25%
90.85%
84.69%
97.99%
98.42%
0.96
93.39%
72.11%
64.49%
86.89%
68.33%
58.37%
27.86%
51.56%
0.48
14.03%
19.53%
17.16%
844.24%
-1088.36%
-10.56
89.46%
11.35%
9.83%
50.35%
37.88%
35.74%
2.72%
-0.03
-2.48%
9.28
-5.60
-6.15
9.56
-13.45
-13.19
32.45
-29.28
-34.10
4.81
8.15
111.84
2011
(Thousand Rupees)
2009
2010
2011
448,140,588
472,942,974
604,889,679
250,825,234
275,390,507
356,844,077
129,499,179
147,117,474
150,212,920
67,816,175
50,434,993
97,832,682
55,865,074
44,519,030
(15,367,773)
4,474,936,926
4,962,869,192
5,733,906,437
55,027,426
60,505,858
70,475,916
496,966,731
419,118,618
508,175,430
3,696,318,107
4,250,619,218
4,888,454,466
226,624,662
232,625,498
266,800,625
4,978,942,588
5,480,331,196
6,323,428,343
370,158,326
423,371,995
506,215,607
127,593,768
127,673,217
141,320,818
182,548,618
144,242,701
122,588,383
1,382,688,908
1,696,420,171
2,468,168,101
2,664,890,312
2,875,221,875
2,840,379,978
270,852,209
351,693,460
364,289,152
198,582,490
252,080,464
275,241,209
2,466,307,822
2,623,141,411
2,565,138,769
153,471,610
163,861,660
176,095,495
296,173,536
301,620,041
343,901,170
460,314,435
486,294,541
583,157,864
247,726,810
259,347,973
309,342,602
221,100,885
226,946,568
274,784,302
74,874,595
60,248,131
46,392,613
146,197,065
169,223,241
235,980,997
70,429,526
75,509,790
80,213,564
143,019,662
159,009,575
181,596,419
137,112,537
153,363,449
174,512,078
63,542,898
77,693,011
131,080,868
40,603,888
46,343,893
86,737,494
25,082,524
27,539,050
35,684,408
N/A
N/A
N/A
N/A
N/A
N/A
576,781,074
363,931,590
869,494,291
2,372,671,025
2,207,087,299
2,658,456,710
48.03%
46.67%
47.12%
4.27%
4.14%
4.33%
9.06%
0.10
14.34%
0.82%
0.85%
1.37%
1.41%
1.38%
1.27%
2.94%
3.09%
3.73%
53.82%
53.33%
53.05%
2.16
1.97
1.33
26.95%
0.28
27.37%
1.95
2.03
2.18
1.62
1.68
2.43
0.10
10.05%
10.24%
27.77%
30.95%
39.03%
49.53%
47.86%
40.57%
74.24%
77.56%
77.31%
89.88%
90.56%
90.68%
0.72
67.64%
0.58
63.55%
61.57%
52.63%
10.16%
12.23%
12.83%
7.45%
8.77%
9.69%
60.44%
74.36%
60.22%
0.38
0.24
16.86%
73.32%
71.68%
75.56%
0.09
8.63%
9.57%
5.29
4.67
4.39
17.87
17.17
16.95
8.25
8.99
8.08
14.21
7.85
10.02
2011
(Thousand Rupees)
2009
2010
2011
3,487,571
6,883,176
7,293,546
4,500,000
8,935,200
8,935,200
82,074
(1,012,429)
(2,052,024)
(1,723,728)
5,388
(764,099)
(769,063)
16,269,491
54,644,587
66,020,396
262,691
427,600
451,030
20,000
2,756,892
1,736,120
15,081,242
49,324,209
61,559,026
905,558
2,135,886
2,274,220
19,762,450
60,763,664
72,544,879
1,337,892
4,460,257
3,945,481
959,078
7,409,620
7,577,186
1,600,000
80,000
3,356,705
15,617,589
26,179,416
9,760,212
28,820,378
29,601,824
1,213,994
3,735,780
4,466,038
320,969
1,923,180
1,991,116
9,439,243
26,897,198
27,610,708
1,741,736
2,732,332
2,798,165
1,327,796
3,566,668
4,433,923
1,914,228
2,198,794
6,699,178
1,234,890
1,658,608
5,001,222
679,338
540,186
1,697,956
344,009
764,375
227,176
335,329
(224,189)
1,925,132
301,855
247,021
482,058
1,436,066
1,595,139
1,926,488
1,410,569
1,508,590
1,910,731
(798,882)
(1,572,307)
480,702
(564,013)
(1,039,595)
410,370
450,000
893,520
893,520
0.00
0.00
0.00
0.00
0.00
0.00
2,173,889
8,797,050
10,255,250
8,660,685
14,532,742
12,436,239
35.49%
24.57%
25.35%
3.44%
0.89%
2.34%
-16.17%
-0.15
5.63%
-2.85%
-1.71%
0.57%
1.53%
0.41%
0.66%
0.02
-0.37%
2.65%
64.51%
75.43%
74.65%
-1.77
-0.96
3.97
0.65
65.22%
26.83%
4.67
6.11
3.96
-1.25
-1.16
0.46
11.62%
19.53%
15.88%
16.99%
0.26
36.09%
47.76%
44.27%
38.06%
76.31%
81.17%
84.86%
82.33%
89.93%
91.01%
64.72%
58.43%
48.09%
64.63%
55.34%
46.77%
12.44%
12.96%
15.09%
3.29%
6.67%
6.73%
34.81%
54.27%
61.23%
107.18%
39.75%
11.41%
26.44%
51.48%
44.58%
17.65%
11.33%
10.05%
2.48
2.11
1.71
7.75
7.70
8.16
4.32
7.17
8.44
-3.85
-8.46
24.99
2011
(Thousand Rupees)
2009
2010
2011
25,857,515
31,191,174
37,761,572
7,110,008
7,821,009
8,603,110
6,582,845
7,516,910
8,762,745
12,164,662
15,853,255
20,395,717
4,062,279
4,798,456
5,717,786
388,421,058
413,976,778
472,409,254
3,162,429
4,118,791
4,015,317
39,818,532
20,774,450
49,993,200
328,872,559
371,280,948
399,560,790
16,567,538
17,802,589
18,839,947
418,340,852
449,966,408
515,888,612
26,435,683
31,265,658
36,479,765
1,280,591
579,700
1,679,121
28,122,932
11,488,944
1,361,754
94,673,100
121,158,730
195,789,638
249,925,187
268,532,972
262,143,554
16,281,178
18,688,166
20,452,465
12,542,665
15,430,262
17,703,717
237,382,522
253,102,710
244,439,837
12,459,586
15,371,118
18,095,123
17,986,438
16,999,548
18,043,374
41,144,667
45,011,184
51,828,897
22,421,218
22,465,506
26,696,185
18,723,449
22,545,678
25,132,712
4,511,166
4,083,385
3,009,024
14,212,283
18,462,293
22,123,688
6,078,257
5,867,378
7,263,796
9,718,918
11,914,322
14,129,619
9,517,584
11,344,090
13,289,101
10,571,622
12,415,279
15,257,865
7,149,310
8,283,817
10,256,173
711,001
782,101
860,311
0.40
0.40
0.50
0.10
0.10
0.10
10,687,333
36,199,585
86,857,938
120,551,592
108,128,287
173,528,427
45.51%
50.09%
48.49%
4.48%
5.01%
4.87%
27.65%
26.56%
27.16%
1.71%
1.84%
1.99%
1.45%
0.01
1.41%
0.03
0.04
4.29%
54.49%
49.91%
51.51%
0.90
0.91
0.87
20.58%
23.42%
23.91%
1.57
1.93
1.83
10.06
10.59
11.92
6.63%
7.08%
0.07
22.63%
26.93%
37.95%
56.74%
56.25%
47.38%
78.61%
82.51%
77.45%
92.85%
0.92
91.57%
75.99%
72.33%
65.61%
67.79%
68.49%
58.31%
6.51%
6.96%
0.08
5.02%
5.75%
6.75%
62.96%
59.91%
54.16%
35.97%
26.46%
0.17
77.04%
82.57%
86.56%
6.18%
6.93%
7.32%
4.66
3.47
4.60
36.37
39.88
43.89
12.72
11.90
10.58
1.49
4.37
8.47
2011
(Thousand Rupees)
2009
2010
2011
13,164,224
14,819,933
16,585,997
5,073,467
6,427,440
7,070,184
7,287,041
7,712,855
8,135,795
803,716
679,638
1,380,018
1,823,647
1,212,292
1,295,861
239,365,567
298,747,904
325,983,862
2,945,670
3,089,984
2,756,032
19,300,163
25,554,777
17,274,979
205,912,903
255,908,149
291,499,395
11,206,831
14,194,994
14,453,456
254,353,438
314,780,129
343,865,720
19,385,850
22,565,190
26,168,206
8,374,640
3,787,538
6,236,116
4,649,059
9,194,186
1,613,584
66,885,617
102,100,063
133,655,387
147,633,745
168,435,880
167,381,246
17,725,451
21,598,648
23,645,541
12,593,844
15,651,626
16,668,690
135,039,901
152,784,254
150,712,556
9,332,361
10,084,422
9,451,033
10,686,010
14,264,476
16,028,838
22,590,230
27,954,956
32,768,950
13,542,210
17,931,715
22,699,089
9,048,020
10,023,241
10,069,861
2,914,893
3,035,725
1,771,471
6,133,127
6,987,516
8,298,390
2,625,545
2,234,053
3,017,770
7,159,061
8,009,956
8,874,165
7,124,693
7,937,367
8,787,381
1,599,691
1,249,627
2,454,944
1,068,864
919,461
1,705,207
507,347
642,744
707,018
0.00
0.00
0.00
0.20
0.10
0.15
36,871,225
35,789,356
36,472,843
106,574,473
196,716,932
165,250,062
40.05%
35.85%
30.73%
3.56%
3.18%
2.93%
8.12%
0.06
10.28%
0.42%
0.29%
0.01
1.03%
0.71%
0.88%
2.41%
2.22%
2.41%
59.95%
64.15%
69.27%
4.45
6.35
3.58
28.39%
26.53%
0.25
2.71
3.55
2.91
2.11
1.43
2.41
10.91%
8.37%
9.42%
0.26
32.44%
38.87%
53.09%
48.54%
43.83%
80.96%
0.81
84.77%
94.11%
94.91%
0.95
0.72
65.82%
57.42%
65.55%
59.84%
54.21%
12.01%
12.82%
14.13%
8.53%
9.29%
9.96%
134.65%
145.74%
142.56%
23.15%
0.19
10.63%
71.05%
72.47%
70.49%
5.18%
4.71%
4.82%
8.10
13.27
9.96
25.95
23.06
23.46
15.64
17.27
17.58
34.50
38.92
21.39
2011
(Thousand Rupees)
2009
2010
2011
12,286,874
14,744,106
17,878,659
6,101,370
7,321,643
8,785,972
3,664,925
4,392,264
5,324,689
2,520,579
3,030,199
3,767,998
1,818,084
1,472,677
2,132,629
235,701,642
285,579,563
364,514,326
3,187,383
2,989,989
4,979,720
33,517,109
22,579,348
43,441,594
189,280,062
249,760,885
302,097,187
9,717,088
10,249,341
13,995,825
249,806,600
301,796,346
384,525,614
14,377,589
19,000,990
22,957,988
4,626,726
2,132,806
6,744,643
1,139,268
111,017,701
137,234,656
223,105,101
108,373,012
129,083,773
119,994,310
2,067,656
2,943,863
3,203,630
2,387,693
3,310,481
5,131,178
105,985,319
125,773,292
114,863,132
9,561,955
10,264,310
10,791,345
4,237,310
6,251,024
6,063,405
22,120,105
27,480,798
36,529,237
13,053,137
16,666,489
22,372,988
9,066,968
10,814,309
14,156,249
1,183,026
946,451
1,820,779
7,883,942
9,867,858
12,335,470
1,836,082
2,187,640
2,607,806
5,207,953
6,331,063
7,784,283
5,045,731
6,225,457
7,621,965
4,512,071
5,724,435
5,878,697
2,856,294
3,667,980
4,537,104
610,137
732,164
878,597
0.20
0.20
0.25
0.20
0.20
0.15
65,727,310
30,127,758
94,364,848
63,417,914
60,004,910
106,642,467
40.99%
39.35%
38.75%
3.63%
3.58%
3.68%
23.25%
24.88%
25.38%
1.14%
1.22%
1.18%
0.74%
0.72%
0.68%
3.16%
3.27%
3.21%
59.01%
60.65%
61.25%
1.12
1.09
1.30
21.74%
21.34%
19.89%
2.75
2.85
2.92
4.68
5.01
5.16
7.61%
0.07
7.72%
44.44%
45.47%
58.02%
42.43%
41.67%
29.87%
75.77%
82.76%
78.56%
94.35%
94.63%
0.95
57.26%
51.68%
39.72%
48.64%
0.47
34.73%
1.91%
2.28%
2.67%
0.02
2.56%
4.28%
16.83%
19.97%
17.92%
49.55%
28.59%
35.48%
115.48%
112.45%
160.17%
4.92%
4.89%
4.65%
5.16
4.07
5.96
20.14
20.14
20.35
15.41
16.94
16.90
23.01
8.21
20.80
2011
(Thousand Rupees)
2009
2010
2011
17,055,606
17,238,003
23,126,022
13,491,563
13,491,563
13,491,563
3,587,969
3,819,133
4,100,264
(23,926)
(72,693)
5,534,195
4,626,589
4,410,008
2,777,242
367,612,072
390,155,871
442,442,524
3,766,144
4,521,533
5,403,453
20,653,921
13,700,124
18,168,978
324,743,389
354,010,690
401,245,675
18,448,618
17,923,524
17,624,418
389,294,267
411,803,882
468,345,788
35,056,025
41,197,841
50,882,662
22,722,927
16,180,533
17,424,524
14,947,435
6,497,556
7,765,407
99,279,438
113,622,561
166,648,636
196,802,164
217,822,143
211,394,376
15,585,716
17,710,312
19,096,614
8,780,672
10,670,089
12,925,864
188,021,492
207,152,054
198,468,512
14,552,454
14,251,595
13,427,693
14,714,496
12,901,742
13,728,354
35,554,930
37,530,398
44,166,897
24,709,878
23,854,578
25,688,287
10,845,052
13,675,820
18,478,610
3,451,912
2,411,846
4,187,175
7,393,140
11,263,974
14,291,435
5,202,233
4,903,726
5,328,223
11,346,473
12,835,658
14,265,285
11,009,954
12,658,021
13,880,361
437,664
2,065,110
5,383,151
(97,904)
1,166,983
4,325,888
1,349,156
1,349,156
1,349,156
0.08
0.00
0.18
0.00
0.00
0.00
19,947,703
18,101,276
53,536,423
159,052,924
179,210,913
189,279,494
0.31
36.44%
41.84%
2.79%
3.32%
3.95%
-0.57%
6.77%
18.71%
-0.03%
0.28%
0.92%
1.34%
1.19%
1.14%
0.02
2.74%
3.05%
0.70
63.56%
58.16%
25.16
6.13
2.58
27.84%
30.25%
28.82%
2.12
2.58
2.61
-0.07
0.86
3.21
14.84%
13.93%
14.58%
0.26
27.59%
35.58%
0.48
0.50
42.38%
83.42%
85.97%
85.67%
94.43%
94.74%
94.47%
0.61
61.53%
52.68%
56.98%
59.24%
0.50
7.92%
8.13%
9.03%
4.46%
0.05
6.11%
91.38%
102.74%
82.58%
39.31%
0.23
32.39%
56.34%
60.25%
67.69%
4.38%
4.19%
4.94%
9.33
10.40
8.18
12.64
12.78
17.14
19.04
20.54
17.35
-203.75
15.51
12.38
2011
(Thousand Rupees)
2009
2010
2011
4,690,622
4,731,781
5,137,695
5,279,679
5,279,679
5,279,679
8,232
91,221
(589,057)
(556,130)
(233,205)
29,776
32,382
169,078
29,472,124
40,182,515
53,409,760
485,608
563,020
798,853
156,160
353,000
800,000
27,911,651
38,109,790
50,468,674
918,705
1,156,705
1,342,233
34,192,522
44,946,678
58,716,533
4,217,520
3,035,153
4,684,831
2,059,808
570,858
549,411
4,018,813
4,513,132
4,436,264
6,653,447
13,564,654
20,891,908
10,707,012
16,999,097
20,460,796
788,665
741,680
799,001
249,709
328,972
350,395
10,457,303
16,670,125
20,110,401
2,375,515
2,048,854
1,816,863
4,410,116
4,543,902
6,226,855
2,181,887
3,809,955
5,504,739
1,215,019
2,049,453
2,873,119
966,868
1,760,502
2,631,620
111,198
5,247
22,618
855,670
1,755,255
2,609,002
342,687
207,168
226,652
1,770,664
1,920,590
2,221,148
170,047
1,897,405
2,153,177
(572,307)
41,833
614,506
(483,598)
41,159
405,914
527,968
527,968
527,968
0.00
0.00
0.00
0.00
0.00
0.00
4,472,916
4,261,151
8,842,777
1,439,984
4,467,998
4,614,660
44.31%
46.21%
47.81%
2.83%
3.92%
4.48%
-10.31%
0.87%
0.08
-1.41%
0.09%
0.69%
0.01
0.46%
0.39%
0.03
3.91%
4.44%
55.69%
53.79%
52.19%
-0.30
45.36
3.50
70.14%
47.81%
38.75%
0.50
9.16
9.50
-0.92
0.08
0.77
18.36%
8.02%
8.91%
19.46%
30.18%
35.58%
30.58%
37.09%
34.25%
81.63%
84.79%
85.95%
86.19%
0.89
90.96%
38.36%
44.61%
40.54%
38.15%
0.44
39.91%
7.37%
4.36%
3.91%
2.33%
1.94%
1.71%
16.81%
15.67%
15.55%
44.53%
1.59%
6.46%
31.66%
44.35%
43.85%
13.72%
10.53%
8.75%
0.31
0.94
0.90
8.88
8.96
9.73
5.95
8.05
9.82
-9.25
103.53
21.78
2011
(Thousand Rupees)
2009
2010
2011
4,801,589
4,266,067
5,777,579
5,010,458
5,010,458
7,410,458
16,751
16,751
16,751
(225,620)
(761,142)
(1,649,630)
40,191
59,916
26,999
8,166,895
13,349,703
21,840,251
58,263
86,867
210,932
1,094,375
287,291
447,300
6,784,750
12,636,083
20,341,241
229,507
339,462
840,778
13,008,675
17,675,686
27,644,829
675,988
1,324,461
1,379,696
577,349
400,468
2,215,636
2,857,942
2,679,753
2,861,751
5,050,878
9,982,793
5,001,443
6,236,849
11,295,361
731,740
1,153,118
1,002,534
237,821
620,647
786,021
4,763,622
5,616,202
10,509,340
600,626
646,645
671,890
671,397
1,957,279
2,885,474
1,131,873
1,263,461
2,375,585
650,752
726,325
1,423,171
481,121
537,136
952,414
257,089
406,279
251,580
224,032
130,857
700,834
56,818
64,260
188,537
686,002
1,019,677
1,236,279
685,677
986,592
1,229,345
(405,152)
(824,560)
(346,908)
(292,627)
(535,522)
(288,488)
501,046
501,046
741,046
0.00
0.00
0.00
0.00
0.00
0.00
654,955
2,667,586
5,394,077
1,911,426
5,704,888
1,296,300
42.51%
42.51%
40.09%
0.04
3.04%
3.45%
-6.09%
-12.55%
-4.99%
-2.25%
-3.03%
-1.04%
0.44%
0.36%
0.68%
1.72%
0.74%
2.54%
57.49%
57.49%
59.91%
-1.69
-1.20
-3.54
57.71%
0.77
48.21%
12.07
15.35
6.52
-0.58
-1.07
-0.39
9.63%
9.76%
13.01%
0.22
28.58%
36.11%
36.62%
31.77%
38.02%
52.16%
71.49%
73.58%
62.78%
75.53%
0.79
73.72%
49.36%
55.53%
63.48%
48.26%
54.33%
14.63%
18.49%
8.88%
4.76%
9.95%
6.96%
15.24%
27.03%
17.35%
1.08
65.46%
32.01%
0.33
53.82%
0.78
36.91%
24.14%
0.21
0.40
1.34
0.22
9.58
8.51
7.80
1.41
2.96
3.52
-2.24
-4.98
-18.70
2011
(Thousand Rupees)
2009
2010
2011
6,040,247
6,048,321
6,238,807
6,776,030
6,776,030
6,776,030
45,347
46,961
85,058
(781,130)
(774,670)
(622,281)
18
18
(4,758)
29,328,629
33,840,397
41,962,400
279,493
411,944
394,426
125,000
950,000
1,898,500
27,980,906
31,414,908
38,491,607
943,230
1,063,545
1,177,867
35,368,894
39,888,736
48,196,449
2,932,264
3,197,884
3,429,994
2,430,437
3,455,665
1,116,928
2,591,905
1,020,725
3,826,084
2,822,723
5,945,370
12,937,179
20,961,592
23,318,157
23,902,380
719,088
1,858,799
2,107,709
371,979
553,203
561,778
20,589,613
22,764,954
23,340,602
1,727,298
1,703,588
1,597,770
2,274,654
1,800,550
1,947,892
3,647,145
4,071,552
4,632,785
1,805,943
2,129,570
2,395,995
1,841,202
1,941,982
2,236,790
115,136
181,224
10,075
1,726,066
1,760,758
2,226,715
365,353
366,335
457,136
1,739,369
2,109,362
2,367,722
1,724,467
2,095,563
2,337,312
352,050
17,731
316,129
226,737
8,074
190,486
677,603
677,603
677,603
0.00
0.00
0.00
0.00
0.00
0.00
(1,285,767)
4,676,276
4,983,772
17,830,878
5,704,888
10,461,483
50.48%
0.48
48.28%
5.21%
4.87%
4.64%
3.75%
0.13%
3.05%
0.64%
0.02%
0.00
1.03%
0.92%
0.95%
4.88%
4.41%
4.62%
49.52%
0.52
51.72%
4.90
118.19
7.39
43.35%
47.53%
46.52%
4.72
5.72
5.11
0.33
0.01
0.28
15.16%
16.68%
9.43%
7.98%
0.15
26.84%
58.21%
57.07%
48.43%
79.11%
78.76%
79.86%
82.92%
84.84%
87.07%
74.91%
74.23%
0.62
74.58%
72.05%
59.18%
3.43%
7.97%
8.82%
1.77%
2.37%
2.35%
0.12
30.73%
33.78%
30.95%
32.76%
1.79%
51.73%
29.76%
26.65%
17.08%
15.16%
12.94%
2.95
0.94
1.68
8.91
8.93
9.21
4.63
5.19
6.17
-5.67
579.18
26.16
2011
(Thousand Rupees)
2009
2010
2011
11,373,147
16,614,625
17,793,427
6,090,911
7,309,094
8,243,118
4,030,056
7,354,688
6,591,131
1,252,180
1,950,843
2,959,178
1,519,902
(96,855)
1,419,732
167,899,404
250,803,153
273,354,667
1,465,451
3,218,859
3,075,642
34,985,766
34,635,904
39,696,986
123,469,683
195,315,204
214,614,731
7,978,504
17,633,186
15,967,308
180,792,453
267,320,923
292,567,826
8,427,202
17,428,924
18,445,108
508,795
5,727,909
4,685,718
15,017,826
56,459,447
86,418,549
93,409,187
98,384,470
151,206,409
165,483,330
10,671,030
24,707,758
26,044,119
7,038,469
17,499,640
17,321,335
91,346,001
133,706,769
148,161,995
2,787,617
8,726,406
10,849,607
6,245,565
15,312,366
17,016,211
16,957,875
19,710,460
28,825,449
11,946,579
13,919,256
19,619,095
5,011,296
5,791,204
9,206,354
2,191,883
2,201,824
695,245
2,819,413
3,589,380
8,511,109
2,804,695
4,012,338
4,070,369
4,312,044
6,774,664
11,103,387
4,285,459
6,644,072
10,813,919
1,320,043
827,054
1,478,091
1,212,527
1,190,329
1,280,296
609,091
730,909
824,312
0.00
0.00
0.00
0.00
0.20
0.13
17,897,098
8,881,898
5,911,646
79,757,936
164,784,857
173,978,654
29.55%
29.38%
31.94%
2.77%
2.17%
3.15%
10.66%
7.16%
0.07
0.67%
0.45%
0.44%
1.55%
0.02
1.39%
1.56%
1.34%
2.91%
70.45%
70.62%
68.06%
3.25
8.03
7.32
21.82%
28.56%
33.75%
1.53
1.66
2.66
1.99
1.63
1.55
4.94%
8.66%
7.91%
31.23%
32.33%
31.93%
50.53%
50.02%
50.64%
68.29%
73.06%
73.36%
92.87%
93.82%
93.43%
79.68%
77.42%
77.11%
62.09%
65.76%
65.07%
10.85%
16.34%
15.74%
7.15%
11.57%
10.47%
93.83%
148.71%
146.37%
31.14%
12.58%
4.01%
65.96%
70.83%
66.51%
6.29%
6.22%
6.08%
7.01
9.92
9.78
18.67
22.73
21.59
10.86
11.76
12.06
14.76
7.46
4.62
2011
(Thousand Rupees)
2009
2010
2011
75,133,715
86,842,059
100,147,132
9,108,000
10,018,800
11,020,680
27,527,380
29,355,555
32,145,755
38,498,335
47,467,704
56,980,697
9,236,083
9,408,712
9,439,856
779,554,995
828,448,632
1,029,967,217
10,041,542
9,775,093
13,894,502
52,542,978
40,459,860
39,473,670
682,750,079
747,374,799
933,631,525
34,220,396
30,838,880
42,967,520
863,924,793
924,699,403
1,139,554,205
79,839,836
81,640,246
103,399,623
40,366,687
37,413,185
47,349,505
5,352,873
30,339,344
41,581,029
216,467,532
254,909,116
418,604,147
490,010,583
502,445,637
503,453,704
49,438,255
53,607,643
56,549,062
35,348,084
42,695,625
46,086,048
454,662,499
459,750,012
457,367,656
16,766,668
16,155,290
19,167,654
50,468,698
44,492,210
52,084,591
76,076,347
81,325,028
98,580,423
33,405,813
34,330,255
42,182,220
42,670,534
46,994,773
56,398,203
9,089,659
7,585,664
6,925,497
33,580,875
39,409,109
49,472,706
11,159,612
12,762,431
14,782,861
23,358,851
25,131,510
29,934,169
22,745,955
24,252,960
29,433,961
21,381,636
27,040,030
34,321,398
13,400,749
17,034,380
22,333,022
910,800
1,001,880
1,102,068
0.60
0.65
0.70
0.10
0.10
0.10
107,753,133
42,055,186
206,730,148
358,083,924
253,403,791
572,908,009
56.09%
57.79%
57.21%
4.94%
5.08%
4.95%
17.84%
19.62%
0.22
1.55%
1.84%
1.96%
1.29%
1.38%
0.01
3.89%
4.26%
4.34%
43.91%
42.21%
42.79%
1.06
0.90
0.86
26.78%
26.71%
26.41%
2.04
1.90
1.99
14.71
17.00
20.26
13.91%
12.87%
13.23%
25.06%
27.57%
36.73%
52.63%
49.72%
40.14%
79.03%
80.82%
81.93%
90.23%
89.59%
90.38%
71.77%
67.23%
53.92%
66.64%
63.78%
51.74%
10.09%
10.67%
11.23%
7.21%
0.09
9.15%
0.66
61.73%
56.47%
25.71%
17.77%
15.03%
0.72
79.64%
0.82
0.09
9.39%
8.79%
4.77
2.92
5.72
82.49
86.68
90.87
9.09
8.61
9.32
8.04
2.47
9.26
2011
(Thousand Rupees)
2009
2010
2011
18,900,286
20,956,902
24,246,101
7,527,525
8,731,929
10,478,315
7,587,835
8,151,443
8,807,718
3,784,926
4,073,530
4,960,068
(148,629)
(646,585)
335,268
218,406,844
231,820,564
263,619,288
3,111,467
2,572,954
3,733,794
68,186,674
62,529,729
66,641,226
142,185,495
160,314,211
185,281,216
4,923,208
6,403,670
7,963,052
237,158,501
252,130,881
288,200,657
11,192,498
13,923,393
14,233,690
4,836,399
3,123,094
3,551,591
150,000
3,190,399
2,361,754
111,679,520
100,849,146
147,459,163
106,922,608
127,350,007
119,679,648
6,364,665
7,463,452
15,427,848
4,629,476
7,522,371
10,022,934
102,293,132
119,827,636
109,656,714
2,465,977
3,387,452
3,230,658
4,540,975
7,829,761
7,707,087
21,376,259
23,281,800
23,380,314
14,636,228
16,407,604
16,433,491
6,740,031
6,874,196
6,946,823
2,569,646
3,041,548
3,041,548
4,141,160
3,832,648
3,905,275
3,713,321
4,429,981
4,429,070
3,656,972
4,335,039
4,308,010
3,550,647
4,199,115
4,172,840
4,226,734
4,027,590
4,026,335
2,746,563
2,809,369
2,818,038
752,753
873,193
1,047,832
0.10
0.00
0.15
0.16
0.20
0.00
58,187,921
(6,943,837)
(6,943,837)
116,806,754
200,438,547
200,438,547
31.53%
29.53%
29.71%
2.84%
2.73%
2.41%
14.53%
13.41%
11.62%
1.16%
1.11%
0.98%
1.57%
1.76%
1.54%
1.75%
1.52%
1.36%
68.47%
70.47%
70.29%
0.84
1.04
1.04
14.58%
15.64%
15.49%
0.96
0.95
0.94
3.65
3.22
2.69
6.76%
6.76%
6.17%
47.09%
0.40
51.17%
43.13%
47.53%
38.05%
59.95%
63.58%
64.29%
92.09%
91.94%
91.47%
0.75
79.44%
64.59%
50.83%
57.15%
47.51%
5.95%
5.86%
12.89%
4.33%
5.91%
8.37%
33.67%
35.61%
63.63%
55.51%
40.43%
30.35%
72.74%
100.79%
64.97%
7.97%
8.31%
8.41%
6.18
9.56
8.27
25.11
24.00
23.14
7.52
7.65
7.64
21.19
-2.47
-2.46
2011
(Thousand Rupees)
2009
2010
2011
5,622,453
7,237,084
9,450,850
6,127,605
8,149,715
10,002,930
18,040
18,040
89,978
(523,192)
(930,671)
(642,058)
32,106
(1,398,798)
(669,814)
27,240,361
33,545,361
45,721,589
320,492
369,620
1,246,994
5,039,635
5,524,410
3,171,800
21,313,791
26,276,328
40,174,351
566,443
1,375,003
1,128,444
32,894,920
39,383,647
54,502,625
1,764,403
2,298,806
3,880,782
1,820,857
917,802
165,067
3,482,564
3,643,360
3,803,022
9,535,555
13,701,699
22,906,646
12,167,220
14,505,537
18,543,633
857,059
1,902,566
2,776,895
477,567
527,424
513,749
11,689,653
13,978,113
18,029,884
3,039,329
2,882,941
3,064,883
1,562,559
1,960,926
2,652,341
2,527,295
3,299,767
4,319,252
1,806,709
2,255,014
2,583,678
720,586
1,044,753
1,735,574
772,688
136,484
151,199
(52,102)
908,269
1,886,773
339,470
332,974
769,937
1,736,161
1,863,793
2,119,374
1,734,815
1,846,840
2,111,534
(1,448,793)
(622,550)
537,336
(594,936)
(407,479)
361,645
612,761
814,972
1,000,293
0.00
0.00
0.00
0.00
0.00
0.00
6,268,544
1,760,620
3,527,847
10,400,433
7,898,774
7,820,884
28.51%
31.66%
40.18%
2.19%
2.65%
3.18%
-10.58%
-5.63%
3.83%
-1.81%
-1.03%
0.66%
1.03%
0.85%
1.41%
-0.16%
2.31%
3.46%
71.49%
68.34%
59.82%
-1.20
-2.97
3.93
60.56%
51.31%
41.64%
5.11
5.55
2.74
-0.97
-0.50
0.36
0.11
8.17%
7.42%
28.99%
34.79%
42.03%
35.54%
35.49%
33.08%
64.79%
66.72%
73.71%
82.81%
85.18%
83.89%
57.09%
0.55
46.16%
46.17%
45.61%
42.78%
7.04%
13.12%
14.97%
3.93%
3.64%
2.77%
15.24%
26.29%
29.38%
1.62
25.88%
29.43%
55.72%
27.72%
0.19
17.09%
18.38%
17.34%
1.85
1.09
0.83
9.18
8.88
9.45
3.79
3.63
4.25
-10.54
-4.32
9.76
2011
(Thousand Rupees)
2009
2010
2011
4,363,093
1,940,292
9,413,468
9,508,617
9,508,617
19,508,617
151,287
162,727
30,839
(5,296,811)
(7,731,052)
(10,125,988)
1,053,728
1,037,423
(5,886,596)
55,582,766
55,863,821
69,663,886
386,066
541,041
891,579
8,696,140
6,636,645
4,607,205
43,807,061
46,694,675
61,993,604
2,693,499
1,991,460
2,171,498
60,999,587
58,841,536
73,190,758
2,851,783
3,272,624
4,822,751
235,121
360,306
10,930,425
2,804,596
40,000
622,683
13,580,973
12,859,540
15,588,703
34,054,696
35,520,314
35,245,477
7,355,353
9,617,879
12,138,602
4,138,250
5,310,930
5,858,803
29,916,446
30,209,384
29,386,674
4,027,676
4,541,778
4,366,514
7,582,992
7,557,904
7,473,008
5,120,943
5,158,566
4,711,888
5,569,707
5,169,142
5,196,408
(448,764)
(10,576)
484,520
1,971,290
1,307,259
284,941
(2,420,054)
(1,317,835)
769,461
1,111,457
971,501
955,050
3,058,379
3,016,905
3,257,947
2,796,425
2,989,039
2,805,265
(5,864,077)
(3,487,184)
(3,146,226)
(4,318,749)
(2,727,345)
(2,524,305)
950,862
950,862
1,950,862
0.26
0.00
0.00
0.00
0.00
0.00
9,162,534
(199,789)
11,029,923
18,276,636
21,047,073
39,795,348
-8.76%
-0.21%
10.28%
-0.74%
-0.02%
-0.66%
-98.98%
-140.56%
-26.82%
-7.08%
-4.64%
-3.45%
1.82%
1.65%
0.01
-3.97%
-2.24%
1.05%
108.76%
100.21%
110.28%
-0.48
-0.86
-0.89
49.07%
49.21%
57.49%
2.52
3.08
2.94
-4.54
-2.87
-1.29
5.06%
6.17%
21.52%
22.26%
21.85%
0.21
49.04%
51.34%
40.15%
71.82%
79.36%
0.85
91.12%
94.94%
95.18%
77.74%
76.07%
56.85%
64.86%
0.67
52.92%
0.22
27.08%
34.44%
12.15%
14.95%
16.62%
168.58%
495.69%
128.95%
47.64%
24.61%
4.86%
56.26%
55.22%
48.27%
7.15%
0.03
12.86%
4.19
10.85
4.23
4.59
2.04
4.83
10.04
24.07
6.59
-2.12
0.07
-4.37
2011
(Thousand Rupees)
2009
2010
2011
63,120,371
71,225,105
81,034,402
6,911,045
7,602,150
8,362,365
38,387,656
40,164,526
42,412,588
17,821,670
23,458,429
30,259,449
9,192,909
10,774,022
10,619,903
439,428,598
488,482,736
564,670,502
8,201,090
10,265,537
9,466,818
44,662,088
25,684,593
39,100,627
367,581,075
431,295,499
491,146,798
18,984,345
21,237,107
24,956,259
511,741,878
570,481,863
656,324,807
38,774,871
45,407,264
53,122,620
6,077,354
1,551,518
2,357,418
3,000,000
4,401,781
955,087
169,484,647
215,747,844
319,005,983
269,721,034
274,157,806
248,128,180
23,238,723
24,543,807
26,664,873
16,472,769
19,592,335
22,333,442
253,248,265
254,565,471
225,794,738
18,099,010
21,061,787
22,418,450
23,057,731
27,746,198
32,670,511
51,621,911
54,829,365
68,215,902
15,835,581
18,027,372
23,632,615
44,299,590
36,801,993
44,583,287
7,322,321
3,597,117
3,653,614
36,977,269
33,204,876
40,929,673
5,754,853
6,441,642
8,241,260
11,069,912
13,406,395
17,777,644
10,235,366
12,327,496
15,860,242
23,349,146
26,509,636
31,321,782
15,665,403
16,874,019
19,302,483
691,105
760,215
836,237
1.10
1.15
1.20
0.10
0.10
0.10
78,214,049
58,654,480
124,163,869
376,583,024
136,245,597
165,013,804
85.82%
67.12%
65.36%
6.99%
6.45%
6.79%
24.82%
23.69%
23.82%
3.06%
2.96%
2.94%
1.12%
1.13%
1.26%
7.23%
5.82%
6.24%
30.68%
32.88%
34.64%
0.44
0.47
0.51
19.29%
21.88%
23.25%
1.78
1.91
1.92
22.67
22.20
23.08
8.76%
8.23%
8.45%
33.12%
37.82%
0.49
49.49%
44.62%
0.34
71.83%
0.76
74.83%
85.87%
85.63%
86.04%
73.38%
63.57%
50.52%
65.43%
59.99%
46.79%
8.62%
8.95%
10.75%
6.11%
7.15%
0.09
36.82%
34.46%
32.91%
44.45%
18.36%
16.36%
70.89%
79.83%
83.76%
12.33%
12.49%
12.35%
5.97
1.91
2.04
91.33
93.69
96.90
5.82
6.06
6.06
4.99
3.48
6.43
2011
(Thousand Rupees)
2009
2010
2011
9,814,412
11,746,417
13,964,302
6,650,048
6,982,550
8,029,933
1,074,408
1,404,326
2,082,635
2,089,956
3,359,541
3,851,734
396,911
679,695
871,434
115,290,455
146,383,899
186,899,986
1,249,210
1,767,370
2,282,045
8,593,425
5,829,296
9,235,960
100,331,448
131,067,996
170,022,486
5,116,372
7,719,237
5,359,495
125,501,778
158,810,011
201,735,722
8,387,522
12,780,951
16,641,195
5,262,341
9,957,757
2,354,908
34,486,875
10,511,855
4,065,406
24,370,190
50,519,386
99,949,542
44,238,200
57,846,309
64,276,720
3,649,163
4,318,323
4,647,792
2,528,544
3,851,146
5,321,135
41,709,656
53,995,163
58,955,585
2,437,228
3,095,897
4,021,420
8,847,966
17,949,002
15,747,666
10,105,518
12,284,569
18,006,812
4,969,843
6,606,370
8,665,317
5,135,675
5,678,199
9,341,495
1,532,051
1,496,019
1,673,533
3,603,624
4,182,180
7,667,962
1,707,492
2,687,274
2,263,349
3,626,697
4,723,597
6,331,458
3,681,088
4,637,393
6,164,075
2,527,405
2,443,282
4,121,435
1,676,242
1,899,782
3,046,057
665,005
698,255
802,993
0.35
0.00
0.10
0.05
0.15
0.13
14,017,274
35,528,395
47,304,566
73,034,851
108,236,057
114,137,104
50.82%
46.22%
51.88%
4.09%
3.58%
4.63%
17.08%
16.17%
21.81%
1.34%
0.01
1.51%
1.36%
1.69%
1.12%
2.87%
2.63%
0.04
49.18%
53.78%
48.12%
1.46
1.90
1.50
0.31
31.55%
31.24%
2.16
1.73
2.72
2.52
2.72
3.79
10.88%
14.32%
9.42%
19.42%
31.81%
49.54%
33.23%
0.34
29.22%
79.94%
82.53%
84.28%
91.86%
92.18%
92.65%
44.09%
44.13%
0.38
40.61%
42.26%
35.86%
8.25%
7.47%
7.23%
5.72%
6.66%
8.28%
37.18%
36.76%
33.28%
60.59%
38.85%
31.45%
69.29%
89.18%
114.49%
7.82%
0.07
6.92%
7.44
9.21
8.17
14.76
16.82
17.39
10.22
11.16
12.18
8.36
18.70
15.53
2011
(Thousand Rupees)
2009
2010
2011
41,643,272
7,892,204
59,912,879
40,437,271
40,437,271
103,028,512
8,464,894
8,464,894
218,276
(7,258,893)
(41,009,961)
(43,333,909)
(115,027)
5,992,736
(46,249,209)
166,590,718
150,672,126
141,161,341
1,574,207
1,335,493
1,738,422
62,523,365
42,361,934
47,382,031
93,919,805
99,111,741
85,472,247
8,573,341
7,862,958
6,568,641
208,118,963
164,557,066
154,825,011
8,834,275
8,836,474
7,969,044
3,683,783
2,952,593
1,486,560
5,681,887
6,429,166
14,666,918
62,432,977
50,209,083
47,786,041
100,000,757
98,362,123
84,489,211
15,746,457
34,711,468
34,194,582
15,979,351
23,778,539
23,627,698
84,021,406
74,583,584
60,861,513
3,114,632
2,751,703
2,722,863
40,350,003
18,794,463
19,332,072
18,272,363
16,482,767
14,250,121
12,872,357
13,467,526
12,155,613
5,400,006
3,015,241
2,094,508
1,195,329
10,041,017
2,549,789
4,204,677
(7,025,776)
455,281
1,681,833
1,933,774
1,976,884
5,242,439
7,336,960
5,064,890
5,345,307
7,055,824
4,823,582
644,071
(12,089,002)
(3,492,009)
691,048
(9,706,760)
(2,067,422)
4,043,727
4,043,727
10,302,851
0.00
0.00
0.00
0.00
0.00
0.00
28,507,068
(16,940,772)
6,809,298
123,505,187
152,511,924
142,890,225
29.55%
18.29%
0.15
2.59%
1.83%
1.35%
1.66%
-122.99%
-3.45%
0.33%
-0.06
-1.34%
0.81%
1.18%
1.28%
2.02%
-4.27%
0.29%
70.45%
81.71%
0.85
8.30
-0.58
-1.38
26.27%
39.84%
31.21%
3.18
3.65
2.44
0.17
-2.40
-0.20
6.01%
7.16%
6.11%
0.30
30.51%
30.86%
40.37%
45.32%
39.31%
45.13%
60.23%
55.21%
80.05%
91.56%
91.17%
106.47%
99.24%
98.85%
63.92%
69.53%
0.64
15.75%
35.29%
40.47%
15.98%
24.17%
27.97%
37.81%
439.82%
57.07%
7.48%
42.23%
10.79%
101.48%
0.69
0.69
20.01%
0.05
0.39
2.97
19.32
2.38
10.30
1.95
5.82
2.26
12.56
1.43
41.25
1.75
-3.29
2011
(Thousand Rupees)
2009
2010
2011
4,883,277
7,936,255
8,172,770
8,769,517
14,334,734
14,334,734
43,080
43,080
90,383
(3,929,320)
(6,441,559)
(6,252,347)
2,192,383
(10,577)
9,497
16,658,466
22,585,442
23,148,705
78,127
115,759
529,005
3,141,284
6,534,994
3,996,032
12,520,633
14,871,806
17,669,297
918,422
1,062,883
954,371
23,734,126
30,511,120
31,330,972
961,280
1,250,011
1,463,306
707,912
1,195,948
59,384
3,123,377
1,389,003
803,459
5,807,829
11,090,905
9,663,613
12,343,360
14,747,321
18,374,905
2,726,295
2,711,299
2,619,410
2,619,949
2,609,535
2,543,578
9,723,411
12,137,786
15,831,327
1,112,169
1,001,413
903,608
2,298,148
2,446,054
2,606,275
1,878,626
2,384,653
3,352,186
1,208,857
1,350,320
1,943,845
669,769
1,034,333
1,408,341
239,511
17,599
46,204
430,258
1,016,734
1,454,545
92,224
321,243
152,397
1,590,906
1,468,273
1,406,048
1,415,235
1,456,873
1,393,321
(1,068,424)
(130,296)
200,894
(593,053)
(119,594)
236,515
876,952
1,433,473
1,433,473
0.00
0.00
0.00
0.00
0.00
0.00
6,840,004
5,087,251
(2,388,547)
14,557,877
17,205,195
29,978,957
35.65%
43.37%
42.01%
2.82%
3.39%
0.05
-12.14%
-1.51%
2.89%
-0.03
-0.39%
0.75%
0.39%
1.05%
0.49%
1.81%
3.33%
4.64%
64.35%
56.63%
57.99%
-1.32
-11.18
6.94
80.72%
54.26%
40.12%
15.35
4.54
9.14
-0.68
-0.08
0.16
7.03%
8.02%
4.86%
24.47%
36.35%
30.84%
40.97%
39.78%
50.53%
52.75%
48.74%
0.56
70.19%
74.02%
73.88%
98.58%
99.16%
103.99%
78.81%
68.89%
84.81%
22.09%
18.39%
14.26%
21.23%
17.69%
13.84%
55.83%
34.16%
32.05%
9.14%
0.67%
1.82%
0.96
96.25%
0.97
20.57%
26.01%
26.09%
2.98
2.17
3.67
5.57
5.54
5.70
2.56
1.87
2.16
-11.53
-42.54
-10.10
2011
(Thousand Rupees)
2009
2010
2011
196,905
13,431,374
18,800,542
9,003,150
26,716,048
26,716,048
224,649
139,013
(9,030,894)
(13,284,674)
(8,054,519)
1,566,184
(8,597,427)
(13,162,035)
66,901,252
67,835,146
85,031,770
637,602
836,931
1,679,456
15,088,332
9,871,141
17,781,686
49,610,034
55,706,188
64,071,908
1,565,284
1,420,886
1,498,720
68,664,341
72,669,093
90,670,277
3,120,880
3,414,524
4,436,142
151,068
89,355
94,322
1,067,708
1,050,754
3,100,803
20,179,329
13,190,048
17,547,640
40,592,094
52,924,512
55,309,362
11,891,428
12,360,000
11,022,942
8,494,604
8,570,106
5,373,083
32,097,490
44,354,406
49,936,279
3,720,695
2,443,805
4,755,911
8,327,171
8,126,201
10,799,180
5,913,317
6,775,565
8,385,608
5,855,517
5,926,528
6,514,770
57,800
849,037
1,870,838
2,309,355
228,114
2,629,853
(2,251,555)
620,923
4,500,691
662,187
1,184,804
846,586
2,663,091
3,041,273
3,988,359
2,747,856
3,153,601
3,779,045
(4,252,459)
(1,235,546)
1,358,918
(2,902,905)
(1,131,154)
695,063
900,315
2,671,605
2,671,605
0.00
0.00
0.00
0.00
0.00
0.00
6,510,410
(10,346,069)
8,225,230
13,454,187
18,460,536
24,940,371
0.98%
12.53%
22.31%
0.08%
1.17%
2.06%
-1474.27%
-8.42%
0.04
-4.23%
-1.56%
0.77%
0.96%
1.63%
0.93%
-3.28%
0.85%
4.96%
99.02%
87.47%
77.69%
-0.65
-2.55
2.78
0.41
38.21%
0.43
4.15
2.66
4.46
-3.22
-0.42
0.26
4.77%
4.82%
0.05
29.39%
18.15%
19.35%
46.75%
61.04%
55.07%
72.25%
76.66%
70.66%
97.43%
93.35%
93.78%
81.82%
95.01%
86.32%
62.74%
80.71%
67.57%
29.29%
23.35%
19.93%
20.93%
16.19%
9.71%
6039.17%
92.02%
58.63%
27.19%
2.66%
48.94%
71.43%
69.34%
48.74%
0.29%
18.48%
20.74%
68.33
1.37
1.33
0.22
5.03
7.04
251.95
4.15
3.41
-2.24
9.15
11.83
2011
(Thousand Rupees)
2009
2010
2011
7,181,577
8,381,360
11,238,162
5,019,351
6,023,221
9,029,185
2,003,948
2,029,036
1,182,501
158,278
329,103
1,026,476
621,624
536,313
(260,875)
87,507,071
99,188,005
118,755,099
1,763,401
1,857,810
1,571,314
9,385,522
12,370,528
14,557,179
73,548,226
82,016,811
99,733,970
2,809,922
2,942,856
2,892,636
95,310,272
108,105,678
129,732,386
6,471,173
7,247,711
8,959,130
1,497,193
1,400,451
879,000
2,755,377
2,531,900
813,190
29,537,179
34,985,663
45,775,969
51,939,441
59,293,364
71,071,622
3,190,077
7,096,036
8,941,653
3,212,338
4,617,643
5,731,675
48,727,103
54,675,721
65,339,947
3,333,891
3,468,923
3,833,916
2,988,356
3,795,309
4,131,234
9,337,284
10,250,494
12,895,306
6,602,779
7,203,842
8,997,385
2,734,505
3,046,652
3,897,921
1,633,343
1,452,236
1,272,178
1,101,162
1,594,416
2,625,743
1,168,193
1,228,431
1,955,203
2,078,942
2,682,400
3,502,675
2,113,660
2,623,991
3,447,925
190,413
140,447
1,078,271
145,355
125,440
783,533
501,935
602,322
902,919
0.00
0.00
0.00
0.00
0.00
0.13
13,892,687
5,497,142
11,482,024
39,824,682
55,540,656
32,814,252
29.29%
29.72%
30.23%
2.87%
2.82%
0.03
2.02%
0.02
6.97%
0.15%
0.12%
0.01
1.23%
1.14%
1.51%
1.16%
1.47%
2.02%
70.71%
70.28%
69.77%
11.10
18.68
3.20
19.79%
23.37%
23.59%
1.81
2.14
1.76
0.29
0.21
0.87
8.36%
0.08
7.58%
30.99%
32.36%
35.28%
51.12%
50.58%
50.37%
77.17%
75.87%
76.88%
91.81%
91.75%
91.54%
70.62%
72.29%
71.26%
62.63%
62.82%
62.18%
6.14%
11.97%
12.58%
6.18%
7.79%
8.06%
44.42%
84.66%
79.57%
50.85%
31.45%
0.22
1.01
65.07%
0.64
7.53%
7.75%
8.66%
5.55
6.63
2.92
14.31
13.92
12.45
10.24
9.79
8.87
95.58
43.82
14.65
2011
(Thousand Rupees)
2009
2010
2011
44,817,406
48,339,869
51,535,761
38,715,850
38,715,850
38,715,850
2,052,347
2,785,229
3,879,491
4,049,209
6,838,790
8,940,420
3,852,905
3,760,200
4,122,977
268,909,813
275,197,331
308,529,074
4,844,638
5,691,864
4,576,789
15,847,326
15,914,343
19,361,864
206,915,825
220,187,888
235,874,584
41,302,024
33,403,236
48,715,837
317,580,124
327,297,400
364,187,812
21,521,592
24,087,885
26,293,151
2,305,891
921,931
3,204,253
20,568,064
30,421,885
20,205,971
83,263,661
72,294,275
104,040,114
146,243,792
163,713,272
159,653,491
21,388,480
22,581,390
26,102,557
16,783,638
18,991,715
22,344,611
129,460,154
144,721,557
137,308,880
7,003,915
6,606,225
6,437,023
53,456,847
48,243,642
66,698,420
27,242,261
28,569,842
32,825,124
10,725,651
11,016,266
11,907,713
16,516,610
17,553,576
20,917,411
9,447,907
4,359,235
4,507,477
7,068,703
13,194,341
16,409,934
6,924,143
12,997,894
6,192,553
12,477,127
13,439,371
14,016,159
12,148,873
12,997,894
13,408,462
1,515,719
5,757,685
8,586,328
872,411
3,740,855
5,553,141
3,871,585
3,871,585
3,871,585
0.00
0.06
0.10
0.00
0.00
0.00
46,769,642
(9,718,375)
40,845,050
150,649,399
164,327,870
182,579,724
60.63%
61.44%
63.72%
0.05
5.36%
5.74%
1.95%
7.74%
10.78%
0.27%
1.14%
1.52%
2.18%
3.97%
0.02
2.23%
4.03%
4.51%
39.37%
38.56%
36.28%
8.02
2.26
1.56
36.52%
32.33%
35.92%
1.75
1.00
2.17
0.23
0.97
1.43
0.08
7.64%
0.08
26.22%
22.09%
28.57%
40.76%
44.22%
0.38
65.15%
67.27%
64.77%
84.67%
84.08%
84.72%
70.68%
74.35%
67.69%
65.65%
69.34%
62.55%
14.63%
13.79%
16.35%
11.48%
0.12
0.14
47.72%
46.71%
50.65%
56.29%
22.95%
20.17%
78.47%
0.84
0.86
14.11%
14.77%
14.15%
3.36
3.40
3.54
11.58
12.49
13.31
4.62
4.55
4.58
53.61
-2.60
7.36
2011
(Thousand Rupees)
2009
2010
2011
4,065,941
3,494,032
5,434,595
5,000,000
7,250,660
10,779,796
1,064,828
(1,335,050)
(1,551,944)
(1,998,887)
(2,421,578)
(3,793,257)
(11,541)
(220,764)
721,080
34,118,975
68,883,636
113,516,398
213,209
357,293
900,750
1,554,801
5,257,243
18,562,616
31,307,488
61,537,424
89,614,738
1,043,477
1,731,676
4,438,294
38,173,375
72,156,904
119,672,073
1,923,526
4,047,590
6,117,998
724,802
375,207
1,433,614
1,433,817
1,069,757
12,446,033
20,204,357
36,134,418
21,072,058
44,477,357
68,381,073
2,568,243
11,394,074
22,417,723
2,568,243
5,723,944
11,068,103
18,503,815
38,753,413
57,312,970
1,570,754
2,781,943
5,950,625
1,570,628
5,994,394
11,652,691
3,514,363
7,068,952
9,529,068
2,877,797
6,100,832
9,020,995
636,566
968,120
508,073
2,040,787
2,230,522
367,809
(1,404,221)
1,262,402
140,264
1,208,532
623,446
778,031
1,077,054
3,250,790
3,902,702
1,064,723
2,790,634
3,855,690
(2,285,586)
(3,889,746)
(2,984,407)
(2,066,790)
(3,032,144)
(1,510,339)
500,000
725,066
1,077,980
0.00
0.00
0.00
0.00
0.00
0.00
8,975,769
4,361,206
8,335,700
35,826,776
45,997,746
45,997,746
18.11%
0.14
5.33%
1.67%
1.34%
0.42%
-50.83%
-86.78%
-27.79%
-5.41%
-0.04
-1.26%
3.17%
0.86%
0.65%
-3.68%
1.75%
0.12%
81.89%
0.86
94.67%
-0.47
-0.72
-1.29
0.23
42.26%
37.86%
0.88
4.48
4.96
-4.13
-4.18
-1.40
6.94%
6.13%
6.31%
0.33
0.28
30.19%
48.47%
53.71%
47.89%
82.01%
85.28%
74.88%
89.38%
95.46%
94.86%
67.31%
72.28%
76.31%
64.12%
66.59%
63.21%
12.19%
25.62%
32.78%
12.19%
12.87%
16.19%
63.16%
3.26
4.13
79.46%
38.97%
3.32%
1.00
50.24%
49.37%
10.65%
4.84%
4.54%
8.81
13.16
8.46
8.13
4.82
5.04
7.70
17.61
16.49
-4.34
-1.44
-5.52
2011
(Thousand Rupees)
2009
2010
2011
55,914,736
63,919,969
73,945,411
11,128,907
12,241,798
12,241,798
21,167,954
24,101,838
27,495,959
23,617,875
27,576,333
34,207,654
11,403,627
11,214,211
11,975,235
573,103,548
651,288,371
721,284,142
5,166,361
5,074,700
5,879,043
37,168,277
47,631,814
50,845,877
503,831,672
567,611,258
633,889,416
26,937,238
30,970,599
30,669,806
640,421,911
726,422,551
807,204,788
61,562,141
67,667,226
86,502,444
14,049,990
26,430,928
19,225,488
23,162,130
11,934,778
9,536,211
137,734,578
231,717,214
301,106,877
390,493,953
376,480,024
382,115,775
40,065,237
51,144,170
39,967,562
28,414,357
34,969,612
40,976,256
362,079,596
341,510,412
341,139,519
23,734,082
24,684,566
25,722,481
18,099,394
22,477,427
23,971,768
61,745,462
60,046,011
71,374,143
28,323,272
25,207,785
31,339,401
33,422,190
34,838,226
40,034,742
12,879,215
8,150,258
7,293,828
20,542,975
26,687,968
32,740,914
12,070,500
10,584,485
13,228,036
18,911,237
19,861,194
22,078,608
17,803,338
19,137,857
21,232,844
14,392,181
17,688,623
23,633,636
9,487,952
11,020,925
14,887,113
1,112,891
1,224,180
1,224,180
0.25
0.50
0.75
0.10
0.00
0.00
27,084,242
105,607,607
103,753,446
450,962,490
269,878,986
261,653,953
54.13%
58.02%
56.09%
5.22%
0.05
4.96%
16.97%
17.24%
20.13%
1.48%
1.52%
1.84%
1.88%
1.46%
1.64%
3.21%
3.67%
4.06%
45.87%
41.98%
43.91%
1.24
1.08
0.90
25.62%
28.12%
0.26
1.47
1.81
1.61
8.53
9.00
12.16
11.81%
12.95%
0.13
21.51%
0.32
0.37
56.54%
47.01%
42.26%
78.67%
78.14%
78.53%
89.49%
89.66%
89.36%
0.78
66.33%
60.28%
72.18%
61.19%
0.56
10.26%
13.58%
10.46%
7.28%
9.29%
10.72%
71.65%
80.01%
54.05%
45.33%
23.31%
0.18
70.92%
68.37%
102.52%
8.73%
0.09
9.16%
8.07
4.22
3.54
50.24
52.21
60.40
9.01
8.88
8.57
2.85
9.58
6.97
2011
(Thousand Rupees)
2009
2010
2011
(8,401,902)
(2,357,651)
3,400,433
15,506,595
15,507,008
15,507,532
2,474,080
5,667,412
9,401,686
(26,382,577)
(23,532,071)
(21,508,785)
3,667,038
4,112,638
4,722,128
134,175,343
142,867,257
141,606,250
750,837
382,039
424,070
83,291,453
80,411,173
77,927,198
13,993,545
19,388,626
17,679,270
36,139,508
42,685,419
45,575,712
129,440,479
144,622,244
149,728,811
2,732,123
3,938,119
3,877,585
18,153,423
12,711,768
13,369,905
514,714
108,802
875,567
11,287,064
14,337,679
19,444,243
101,603,284
114,863,661
114,608,118
29,549,247
32,828,790
34,587,578
20,845,933
20,875,323
20,393,167
80,757,351
93,988,338
94,214,951
5,092,505
5,088,581
5,098,297
10,903,299
14,448,957
12,848,263
10,961,387
11,382,350
12,186,304
6,273,993
5,567,663
5,200,549
4,687,354
5,814,687
7,558,555
1,823,956
1,756,218
853,140
2,863,438
4,188,997
6,474,415
6,310,426
4,967,514
3,394,097
6,912,356
6,693,127
6,302,529
6,616,341
6,684,865
6,125,243
3,131,648
2,463,384
3,572,001
1,731,787
1,482,473
2,435,519
1,511,541
1,497,415
1,497,421
N/A
N/A
N/A
N/A
N/A
N/A
(34,771)
(220,985)
2,177,250
26,032,331
15,407,849
14,728,671
42.76%
51.09%
62.02%
3.62%
4.02%
4.67%
-20.61%
-62.88%
71.62%
1.34%
1.03%
1.63%
4.88%
3.43%
2.27%
2.21%
0.03
4.32%
57.24%
48.91%
42.68%
2.11
2.71
1.71
40.02%
40.94%
40.45%
1.05
1.35
1.80
1.15
0.99
1.63
16.14%
11.51%
11.52%
8.72%
9.91%
12.99%
62.39%
64.99%
62.92%
10.81%
13.41%
11.81%
103.66%
98.79%
94.58%
726.07%
592.43%
648.26%
104.44%
115.09%
119.87%
29.08%
28.58%
30.18%
20.52%
18.17%
17.79%
-3.52
-1392.44%
1017.15%
8.75%
8.41%
4.18%
70.55%
63.59%
58.96%
-6.49%
-1.63%
2.27%
-3.10
-6.54
4.33
-5.56
-1.57
2.27
-1.67
-8.22
5.20
-0.02
-0.15
0.89
2011
(Thousand Rupees)
2009
2010
2011
(27,804,610)
(27,709,145)
(27,673,517)
157,000
157,000
157,000
750,548
750,548
750,548
(28,712,158)
(28,616,693)
(28,581,065)
(365,817)
(254,642)
(227,663)
33,978,550
33,121,740
33,045,645
38,612
13,717
20,096
22,305,318
22,466,356
22,553,874
3,796,797
3,313,563
3,274,523
7,837,823
7,328,104
7,197,152
5,808,123
5,157,953
5,144,465
183,885
150,299
137,589
50,313
64,681
59,750
481,269
108,802
75,567
3,178,546
3,015,974
2,864,998
6,411,877
6,266,499
6,294,331
6,283,508
6,158,107
6,226,954
6,269,695
6,158,107
6,192,209
142,182
108,392
102,122
120,568
123,390
59,364
1,651,360
1,586,415
1,845,075
404,055
284,378
300,466
689,973
537,511
586,866
(285,958)
(253,133)
286,400
(159,224)
65,264
96,224
(126,694)
(187,869)
(190,176)
422,828
477,293
223,134
155,888
192,004
35,967
180,890
196,798
187,125
140,246
97,420
3,009
138,095
95,465
35,628
1,570
1,570
1,570
0.00
0.00
0.00
0.00
0.00
0.00
(756,259)
(280,827)
(255,917)
145,208
141,970
142,059
-70.77%
-89.01%
95.32%
-4.92%
-4.91%
-5.57%
-0.01
-0.34%
-0.13%
2.38%
1.85%
0.69%
7.28%
9.25%
4.34%
-2.18%
-3.64%
-0.04
170.76%
189.01%
195.32%
1.29
2.02
62.19
18.85%
25.21%
6.87%
0.43
0.41
0.84
8.80
60.81
22.69
4.03%
4.17%
3.84%
54.73%
58.47%
55.69%
2.45%
0.02
1.99%
65.37%
64.24%
63.65%
585.02%
642.15%
642.35%
168.88%
189.12%
192.22%
24.56%
24.31%
24.37%
0.98
98.27%
98.93%
97.78%
98.27%
98.38%
-0.23
-22.22%
-0.23
-2.54%
1.06%
1.55%
99.78%
1.00
99.44%
-478.72%
-537.21%
-537.93%
-0.01
-0.01
-0.01
-17,709.90
17,649.14
17,626.44
-0.14
-0.12
-0.12
-5.48
-2.94
-7.18
2011
(Thousand Rupees)
2009
2010
2011
2,426,535
2,184,805
1,976,571
2,392,507
2,392,507
2,392,507
235,636
234,660
234,660
(201,608)
(442,362)
(650,596)
(69,984)
(61,157)
21,753
5,192,070
4,508,821
5,758,864
54,542
40,505
183,863
1,728,922
1,437,604
2,171,669
2,934,403
2,651,948
2,999,192
474,203
378,764
404,140
7,548,621
6,632,469
7,757,188
213,861
228,062
214,655
79,660
20,912
9,865
33,445
800,000
2,701,816
2,680,334
3,027,667
9,243,470
8,744,596
8,655,771
6,166,877
5,995,141
5,937,822
5,285,573
5,436,997
5,306,693
3,957,897
3,307,599
3,349,078
122,462
132,586
135,321
439,480
262,976
220,602
879,072
647,521
728,192
523,653
350,732
432,919
355,419
296,789
295,273
58,921
166,780
74,676
296,498
130,009
369,949
21,478
62,287
26,738
1,216,276
529,348
613,257
1,236,080
517,111
608,610
(28,160)
(337,052)
(216,570)
(33,894)
(297,652)
(225,031)
239,251
239,251
239,251
0.00
0.00
0.00
0.00
0.00
0.00
(539,136)
(4,386)
490,316
2,988,550
3,658,819
3,658,819
40.43%
45.83%
40.55%
4.71%
4.47%
3.81%
-0.01
-13.62%
-11.38%
-0.45%
-4.49%
-0.03
0.28%
0.94%
0.34%
3.93%
1.96%
4.77%
59.57%
54.17%
59.45%
-43.89
-1.53
-2.81
135.06%
74.58%
81.23%
57.55
8.30
22.76
-0.14
-1.24
-0.94
3.89%
3.75%
2.89%
35.79%
40.41%
39.03%
52.43%
49.87%
43.17%
38.87%
39.98%
38.66%
68.78%
67.98%
74.24%
3.15
329.74%
2.89
198.22%
213.83%
1.67
66.72%
68.56%
0.69
57.18%
62.18%
61.31%
254.14%
2.74
300.41%
1.11%
3.07%
1.41%
85.71%
90.69%
89.37%
32.15%
32.94%
25.48%
1.23
1.67
1.85
10.14
9.13
8.26
1.21
1.21
1.52
15.91
0.01
-2.18
2011
(Thousand Rupees)
2009
2010
2011
87,361
2,304,214
6,089,755
434,647
435,060
435,584
401,727
2,797,793
6,103,037
(749,013)
(928,639)
(448,866)
3,608,391
3,586,269
3,614,195
10,016,170
9,355,390
4,655,248
44,305
21,777
11,994
8,000,000
5,250,000
1,944,442
1,837,175
3,820,343
2,443,098
134,690
263,270
255,714
13,711,922
15,245,873
14,359,198
601,882
814,147
468,879
2,017,990
1,709,436
2,123,846
451,012
799,673
1,503,620
8,177,689
7,385,647
7,625,939
4,113,247
3,430,614
2,498,221
1,443,914
1,605,894
1,605,894
6,733,775
5,779,753
6,020,045
3,705,253
3,700,872
3,736,445
202,010
2,441,992
506,363
1,193,637
1,553,750
1,647,318
1,570,956
965,655
386,027
(377,319)
588,095
1,261,291
158,452
(377,319)
429,643
1,261,291
77,394
76,830
73,906
679,146
681,299
826,794
678,896
680,681
826,662
(979,071)
(174,826)
508,403
(979,071)
(179,626)
479,773
4,346
4,351
4,356
0.00
0.00
0.00
0.00
0.00
0.00
(321,956)
(2,135,260)
(2,529,962)
11,586,667
241,483
392,711
-31.61%
37.85%
76.57%
-2.75%
3.86%
8.78%
-1120.72%
-0.08
7.88%
-7.14%
-1.18%
3.34%
0.56%
0.01
0.51%
-2.75%
2.82%
8.78%
131.61%
62.15%
23.43%
-0.69
-3.89
1.63
53.43%
41.78%
48.04%
8.77
8.86
11.19
-225.26
-41.29
110.14
19.11%
16.55%
18.06%
3.29%
5.25%
10.47%
49.11%
37.91%
41.92%
0.13
25.06%
17.01%
73.05%
61.36%
32.42%
445.12%
193.32%
312.14%
83.13%
81.43%
173.81%
0.50
46.45%
32.76%
17.66%
21.74%
21.06%
4708.33%
148.88%
41.02%
0.00
9.87%
0.00
0.35
46.81%
64.28%
0.64%
15.11%
42.41%
132.63
0.10
0.06
20.10
529.63
1,398.07
21.03
1.66
0.40
0.33
11.89
-5.27
2011
(Thousand Rupees)
2009
2010
2011
16,888,812
20,862,475
23,007,624
12,522,441
12,522,441
12,522,441
1,086,169
1,884,411
2,313,441
3,280,202
6,455,623
8,171,742
494,448
842,168
1,313,843
84,988,553
95,881,306
98,146,493
613,378
306,040
208,117
51,257,213
51,257,213
51,257,213
5,425,170
9,602,772
8,962,457
27,692,792
34,715,281
37,718,706
102,371,813
117,585,949
122,467,960
1,732,495
2,745,611
3,056,462
16,005,460
10,916,739
11,176,444
4,955,690
7,841,698
12,047,958
77,770,248
92,466,919
92,032,077
12,985,615
17,244,928
19,924,581
7,846,751
7,674,325
7,288,371
69,923,497
84,792,594
84,743,706
1,144,222
1,131,733
1,167,167
8,610,449
10,157,574
10,276,223
8,484,623
8,896,701
9,510,328
3,489,411
3,713,765
3,794,737
4,995,212
5,182,936
5,715,591
1,924,259
1,365,722
682,240
3,070,953
3,817,214
5,033,351
5,788,726
4,351,104
3,070,319
4,861,046
5,290,476
4,826,511
4,520,475
5,290,275
4,502,846
3,998,633
2,877,842
3,277,159
2,606,657
1,864,286
2,145,149
1,252,244
1,252,244
1,252,244
0.00
0.00
0.00
0.00
0.00
0.00
1,582,580
2,199,488
4,472,813
11,311,906
11,365,577
10,535,082
58.87%
58.26%
0.60
4.88%
4.41%
4.67%
15.43%
8.94%
9.32%
2.55%
1.59%
1.75%
5.65%
0.04
2.51%
0.03
3.25%
4.11%
41.13%
41.74%
0.40
1.13
1.84
1.37
34.06%
39.93%
38.36%
0.78
1.22
1.47
2.08
1.49
1.71
17.33%
11.62%
11.62%
4.84%
6.67%
9.84%
0.68
72.11%
0.69
0.05
8.17%
7.32%
83.02%
81.54%
80.14%
1433.51%
962.92%
1026.86%
1.37
151.93%
152.83%
0.17
18.65%
21.65%
10.09%
0.08
7.92%
76.89%
82.66%
0.87
24.52%
0.18
9.36%
60.43%
0.45
36.58%
0.17
17.74%
18.79%
0.67
0.54
0.46
13.49
16.66
18.37
0.32
0.46
0.39
0.61
1.18
2.09
2011
(Thousand Rupees)
2009
2010
2011
35,848,774
34,798,653
42,686,834
34,884,218
33,990,807
38,719,753
92,715
125,573
149,286
871,841
682,273
3,817,795
(109,477)
(290,802)
(156,810)
205,297,310
198,745,518
212,744,960
3,597,659
5,563,282
3,985,328
16,730,580
15,425,137
21,464,351
160,936,430
156,330,793
167,870,827
24,032,641
21,426,306
19,424,454
241,036,607
233,253,369
255,274,984
34,793,226
32,794,541
38,476,243
16,269,846
4,071,743
4,428,638
32,117,954
36,480,166
18,354,071
52,372,610
79,809,697
113,381,404
95,113,870
71,494,989
73,215,564
6,390,991
9,092,759
7,600,522
4,788,386
5,866,992
6,803,909
90,325,484
65,627,997
66,411,655
3,589,490
2,223,119
2,176,487
11,567,997
12,246,106
12,046,486
22,263,026
20,412,048
24,027,713
12,197,135
5,093,661
12,183,100
10,065,891
9,890,805
11,844,613
4,727,009
2,621,491
1,346,793
5,340,538
7,313,652
10,540,008
5,608,678
4,838,183
4,551,421
12,054,031
9,536,841
9,730,146
11,898,100
9,360,937
9,633,773
(850,572)
2,046,648
5,600,422
(809,378)
959,711
3,660,658
26,615,972
12,685,046
28,223,861
389,092,022
445,240,807
456,416,758
45.21%
48.46%
0.49
4.18%
6.57%
4.64%
-2.26%
2.76%
8.58%
-0.34%
0.41%
1.43%
2.33%
2.07%
1.78%
2.22%
3.14%
4.13%
54.79%
24.95%
0.51
-13.99
4.57
1.72
43.25%
37.77%
34.05%
2.12
1.93
2.12
21.18%
15.81%
16.81%
21.73%
34.22%
44.42%
37.47%
28.14%
26.02%
66.77%
67.02%
65.76%
85.17%
85.21%
83.34%
0.59
45.73%
43.61%
53.53%
41.63%
38.67%
6.72%
12.72%
10.38%
5.03%
8.21%
9.29%
17.83%
26.13%
17.81%
98.72%
44.68%
19.79%
74.92%
64.52%
89.52%
14.87%
14.92%
16.72%
10.85
12.79
10.69
4.49
4.49
3.93
-32.88
13.22
7.71
2011
(Thousand Rupees)
2009
2010
2011
6,840,022
6,476,901
6,921,917
9,320,564
9,756,756
9,756,756
(2,480,542)
(3,279,855)
(2,834,839)
5,578
(8,849)
2,242
35,697,127
41,812,643
51,099,611
317,339
402,249
573,408
2,988,707
7,193,234
4,437,328
29,920,456
32,301,878
44,664,909
2,470,625
1,915,282
1,423,966
42,542,727
48,280,695
58,023,770
2,434,134
2,912,164
3,725,801
1,517,901
2,189,397
2,649,904
5,857,743
1,646,369
4,038,234
11,625,172
21,014,371
23,791,214
18,228,753
17,897,052
21,506,942
931,048
612,471
644,049
194,968
460,193
508,545
18,033,785
17,436,859
20,998,397
1,451,343
928,091
802,563
1,622,649
2,153,444
2,017,657
3,336,395
4,391,663
5,517,128
2,000,062
2,756,649
3,507,884
1,336,333
1,635,014
2,009,244
161,127
268,149
50,886
1,175,206
1,366,865
1,958,358
72,953
359,985
517,865
3,976,964
2,486,406
2,061,999
3,975,517
2,484,133
2,024,219
(2,343,683)
(1,224,843)
653,363
(1,671,128)
(799,313)
445,016
2,554,422
10,264,246
4,181,079
8,426,357
9,490,085
21,707,157
40.05%
37.23%
36.42%
3.14%
3.39%
3.46%
-24.43%
-12.34%
6.43%
-3.93%
-1.66%
0.77%
0.17%
0.75%
0.89%
2.76%
2.83%
3.38%
59.95%
62.77%
63.58%
-1.70
-2.03
3.10
116.65%
52.33%
34.17%
54.49
6.90
3.91
9.29%
10.57%
10.99%
27.33%
43.53%
0.41
42.39%
36.12%
36.19%
70.33%
0.67
76.98%
83.91%
0.87
88.07%
60.92%
55.41%
48.15%
55.39%
45.31%
0.44
5.11%
3.42%
2.99%
1.07%
2.57%
2.36%
13.61%
9.46%
0.09
82.64%
58.27%
10.01%
20.94%
75.14%
78.96%
16.08%
13.42%
11.93%
1.23
1.47
3.14
4.37
4.99
6.45
-1.53
-12.84
9.40
2011
(Thousand Rupees)
2009
2010
2011
8,652,136
9,139,755
10,919,505
6,780,848
6,812,671
6,812,671
92,715
125,573
149,286
1,778,573
2,201,511
3,957,548
(126,721)
(274,283)
(153,137)
81,255,385
88,488,440
86,136,429
1,654,759
1,164,263
2,028,623
5,561,411
4,342,038
11,231,101
58,147,204
68,304,814
61,678,515
15,892,011
14,677,325
11,198,190
89,780,800
97,353,912
96,902,797
7,706,034
7,001,789
6,990,879
2,735,953
1,396,604
1,149,455
10,155,661
11,410,316
1,339,057
33,122,217
50,236,317
60,399,022
31,204,853
23,731,204
24,278,087
3,158,076
4,309,629
5,506,335
2,959,824
4,486,991
5,457,684
28,245,029
19,244,213
18,820,403
1,266,456
865,640
634,699
6,549,450
7,199,033
7,569,282
9,983,377
9,373,975
10,279,671
4,720,788
4,241,090
4,580,040
5,262,589
5,132,885
5,699,631
3,285,903
1,942,347
1,171,851
1,976,686
3,190,538
4,527,780
2,449,934
2,053,698
2,049,204
4,124,032
4,047,233
4,053,148
3,987,382
3,879,891
4,002,884
302,588
1,197,003
2,523,836
88,973
422,938
1,756,037
17,837,265
1,562,704
1,320,908
287,394,471
307,209,267
273,951,876
52.71%
54.76%
55.45%
5.86%
5.27%
5.88%
1.03%
4.63%
16.08%
0.00
0.43%
1.81%
2.73%
2.11%
2.11%
0.02
3.28%
4.67%
47.29%
45.24%
44.55%
13.18
3.24
1.59
33.17%
35.42%
32.88%
1.63
1.89
1.95
11.63%
8.63%
0.08
36.89%
0.52
62.33%
31.46%
19.77%
19.42%
64.77%
70.16%
63.65%
0.91
90.89%
88.89%
53.67%
34.74%
39.36%
48.98%
32.67%
0.33
10.12%
18.16%
22.68%
9.49%
18.91%
22.48%
0.37
47.15%
50.43%
111.02%
43.29%
21.47%
93.72%
104.12%
99.12%
9.64%
9.39%
11.27%
33.22
33.61
25.09
6.72
7.47
5.65
200.48
3.69
0.75
2011
(Thousand Rupees)
2009
2010
2011
5,169,257
5,274,418
6,047,337
3,877,033
3,667,876
3,724,146
1,292,224
1,606,542
2,323,191
(34)
(321)
(11,538)
10,013,789
12,160,786
16,205,772
217,050
2,640,728
238,907
1,063,547
443,891
1,523,062
6,005,209
6,065,947
11,118,869
2,727,983
3,010,220
3,324,934
15,183,012
17,434,883
22,241,571
4,764,709
4,722,669
4,590,065
128,632
37,134
38,505
5,350,170
6,223,146
7,640,386
490,909
2,046,309
5,587,411
3,838,528
3,665,213
3,387,183
381,517
3,245,948
376,923
381,517
419,265
400,165
3,457,011
3,245,948
2,987,018
120,382
110,230
199,014
871,199
1,049,447
1,199,172
1,111,138
1,065,750
1,679,978
242,280
324,744
556,558
868,858
741,006
1,123,420
354,287
25,263
21,094
514,571
715,743
1,144,514
1,599,341
1,221,476
725,355
871,160
653,051
766,074
863,450
653,431
759,389
1,242,752
1,284,168
1,103,795
805,218
834,293
708,236
(1,742,550)
2,084,285
3,503,275
41,259,232
66,714,952
101,411,632
0.78
69.53%
66.87%
5.72%
4.25%
5.05%
15.58%
15.82%
11.71%
0.05
4.79%
3.18%
10.53%
7.01%
3.26%
3.39%
4.11%
5.15%
0.22
30.47%
33.13%
0.69
0.51
0.69
32.14%
28.55%
31.85%
0.54
0.53
1.05
32.23%
0.27
20.81%
3.23%
11.74%
25.12%
22.77%
18.62%
13.43%
39.55%
34.79%
49.99%
65.95%
69.75%
72.86%
63.92%
60.42%
30.46%
0.54
0.56
26.79%
9.94%
88.56%
11.13%
9.94%
11.44%
11.81%
7.38%
61.54%
6.23%
92.86%
6.03%
5.27%
1.00
12.92%
106.17%
34.05%
30.25%
27.19%
7.98
12.65
16.77
1.16
1.15
1.84
-2.16
2.50
4.95
2011
(Thousand Rupees)
2009
2010
2011
5,511,880
6,206,372
7,501,898
4,619,535
5,707,268
6,515,987
892,345
499,104
985,911
(1,002)
(7,349)
3,865
46,223,063
50,739,967
51,849,969
989,256
1,341,130
1,023,903
3,073,493
1,255,575
2,686,405
40,796,993
46,460,640
46,171,420
1,363,321
1,682,622
1,968,241
51,733,941
56,938,990
59,355,732
8,411,801
9,954,810
10,925,914
4,035,306
297,338
341,149
8,698,829
16,076,728
3,868,938
5,431,713
6,512,700
22,119,633
23,701,592
22,727,260
21,215,325
500,638
762,869
1,023,475
453,161
484,827
421,799
23,248,431
22,242,433
20,793,526
410,901
266,120
186,288
1,496,960
1,588,861
1,120,284
4,703,682
5,005,567
5,849,015
2,732,216
(2,713,791)
2,932,772
1,971,466
2,291,776
2,916,243
471,333
363,563
102,962
1,500,133
1,928,213
2,813,281
1,021,563
1,005,725
1,140,661
2,200,197
2,176,393
2,443,031
2,200,186
2,171,268
2,442,861
321,499
757,545
1,510,911
261,885
491,592
971,262
3,889,177
(1,289,280)
16,303,670
34,619,778
58,032,008
53,617,196
41.91%
45.78%
49.86%
3.81% -
4.91%
4.75%
7.92%
12.95%
0.51%
0.86%
1.64%
1.97%
1.77%
1.92%
0.03
3.39%
4.74%
58.09%
-54.22%
50.14%
6.84
2.87
1.62
38.43%
36.21%
34.95%
2.15
2.16
2.14
24.06%
18.01%
18.98%
0.11
11.44%
37.27%
44.94%
39.06%
35.03%
78.86%
0.82
77.79%
89.35%
89.11%
87.35%
0.58
48.92%
45.95%
54.03%
47.63%
43.42%
2.11%
3.36%
4.82%
1.91%
2.13%
1.99%
9.08%
12.29%
13.64%
104.01%
74.99%
24.41%
90.52%
63.55%
41.21%
10.65%
0.11
12.64%
6.28
9.35
7.15
7.40
7.49
6.15
14.85
-2.62
16.79
2011

(Thousand Rupees)
2009
2010
2011
3,008,554
3,192,892
(184,338)
1,758
2,942,052
22,397
1,524,071
1,395,584
5,952,364
3,279,813
64,398
782,528
1,484,124
26,243
26,243
294,316
20,942
56,241
46,347
9,894
9,894
594
194,826
194,826
(184,338)
(184,338)
2,718,782
1,081,945
17.59%
0.17%
-6.13%
-0.03
0.01%
0.17%
82.41%
-1.06
342.79%
327.99
56.18%
24.93%
0.44%
0.26
49.43%
1.72%
1.72%
0.00
0.00
0.00
50.54%
0.36
0.51
-14.75
2011
(Thousand Rupees)
2009
2010
2011
2,847,576
3,000,780
3,132,302
3,203,140
3,393,743
3,594,610
(355,564)
(392,963)
(462,308)
1,097,875
1,200,251
1,270,263
7,577
5,493
11,523
382,008
321,910
510,729
690,196
847,792
721,474
18,094
25,056
26,537
3,945,451
4,201,031
4,402,565
3,328,022
3,363,076
3,679,994
52,781
62,870
61,674
150,000
110,000
30,000
425,108
493,328
587,062
36,416
48,503
49,740
37,885
15,716
15,716
387,223
477,612
571,346
10,461
22,983
30,670
16,964
164,490
28,881
56,707
65,106
75,896
75,569
78,041
90,575
(18,862)
(12,935)
(14,679)
828
22,169
(18,034)
9,234
(14,679)
17,597
12,582
14,611
58,269
59,215
69,277
55,148
59,134
69,172
(58,706)
(37,399)
(69,345)
(58,706)
(37,399)
(69,345)
59,369
17,017
130,395
450,421
1,013,597
1,402,122
-33.26%
-19.87%
-19.34%
-0.48%
-0.31%
-0.33%
-2.06%
-1.25%
-2.21%
-1.49%
-0.89%
-1.58%
0.45%
0.00
0.33%
-0.46%
0.22%
-0.33%
133.26%
119.87%
119.34%
-0.94
-1.58
-1.00
78.42%
76.22%
76.54%
3.13
4.70
4.73
85.69%
81.55%
84.99%
0.00
0.00
0.00
9.81%
11.37%
12.98%
17.49%
20.18%
16.39%
27.83%
28.57%
28.85%
61.59%
58.19%
81.37%
39.65%
42.18%
47.64%
8.57%
9.83%
8.47%
8.91%
3.19%
2.68%
1.28%
1.62%
1.59%
2.19%
141.06%
0.00
104.03%
0.32
0.32
72.17%
71.43%
71.15%
0.16
0.34
0.45
0.24
0.28
0.23
-1.01
-0.46
-1.88
2011

(Thousand Rupees)
2009
2010
2011
4,087,588
4,700,427
5,155,321
4,041,323
4,652,493
5,122,691
46,265
47,934
32,630
4,458,128
4,343,431
3,240,864
216,907
9,419
86,567
1,397,725
1,868,489
1,075,726
2,740,049
2,349,722
1,991,569
103,447
115,801
87,002
8,545,716
9,043,858
8,396,185
4,237,350
4,840,033
5,283,777
91,075
88,400
123,553
1,905,551
1,013,607
654,928
2,198,843
2,980,932
2,214,722
113,339
2,198,843
2,980,932
2,214,722
27,336
30,055
28,937
85,561
90,831
90,268
516,130
509,987
569,784
385,251
406,928
468,924
130,879
103,059
100,860
130,879
103,059
100,860
180,185
184,717
103,131
114,573
114,543
141,791
112,088
113,080
140,422
65,612
70,174
62,200
45,928
47,600
33,790
151,296
46,074
65,752
3,781,342
2,780,898
3,244,830
25.36%
20.21%
0.18
1.53%
1.14%
0.01
1.12%
1.01%
0.66%
0.54%
0.53%
0.00
2.11%
2.04%
1.23%
1.53%
1.14%
0.01
74.64%
79.79%
0.82
1.71
1.61
2.26
16.45%
16.49%
21.07%
0.62
0.61
1.36
50.65%
54.49%
0.64
0.00
0.00
0.00
25.73%
32.96%
26.38%
32.06%
25.98%
23.72%
52.17%
48.03%
0.39
80.25%
126.86%
1.11
53.14%
70.67%
0.72
0.00
0.04
0.00
0.00
0.00
0.00
0.00
2.41%
0.00
0.00 -
47.83%
51.97%
0.61
0.93
0.59
0.63
0.67
0.50
0.39
3.29
0.97
1.95
SHAREHOLDERS EQUITY
140
quity of DFIs increased from Rs

18%
120
billion in CY11,
owth of Rs 3.6 billion or 6.4
100
80
60
40
6%
Y10. Total liabilities increased
n absolute terms, total assets
20
0
Total SHE
Total Liabilities
CY 10
55.4
60.0
CY 11
58.9
70.9
6%
18%
creased from Rs 119.0 billion in

Growth
nents of Liabilities
Share of Borrowings in Total Liabilities

40%
30%
5%
5%
100%
20%
18%
28%
14%
80%
10%
0%
60%
-10%
77%
-20%
40%
67%
-30%
Others
20%
3.0
3.4
14%
0%
CY 10
CY 11
2011
Major components of assets

40%
27%
20%
4%
0%
-20%
-40%
-60%
-62%
-80%
Lending
Investment
Advances
7.7
60.2
44.2
2.9
76.7
45.9
-62%
27%
4%
25%
20%
15%
14%
10%
5%
2%
0%
Provision
77%
Adv. Net
6.7
37.6
7.6
38.3
14%
2%
74%
(NPLs) increased from Rs
6.9 billion in CY10
2011
4.0
3.0
2.7
3.0
CY 10
CY 11
2.0
1.0
1.0
0.0
Profit Before Taxation
Profit After Taxation
2011
(Thousand Rupees)
2009
2010
2011
48,920,410
55,379,067
58,948,556
40,748,980
42,748,980
45,408,180
6,764,011
6,764,483
6,703,489
1,407,419
5,865,604
6,836,887
5,409,974
3,644,111
652,903
59,424,672
60,024,391
70,945,188
38,774,252
39,953,645
54,574,307
18,073,599
17,059,825
12,932,378
2,576,821
3,010,921
3,438,503
113,755,056
119,047,569
130,546,647
1,665,533
1,680,678
2,283,859
6,545,275
2,888,128
1,075,003
10,576,282
7,718,006
2,904,651
58,551,142
60,243,944
76,683,192
35,183,101
44,215,053
45,907,661
6,695,174
6,903,217
8,269,274
5,753,542
6,653,026
7,596,199
29,429,559
37,562,027
38,311,462
2,790,590
3,126,353
2,999,119
4,196,675
5,828,433
6,289,361
10,429,986
11,726,433
12,716,418
5,768,136
6,694,582
7,152,710
4,661,850
5,031,851
5,563,708
2,660,700
987,572
977,362
1,489,660
4,143,390
3,791,544
1,458,885
2,086,005
2,450,918
1,417,421
1,976,521
3,250,598
1,363,810
1,916,080
2,039,623
1,531,026
4,230,979
2,991,863
2,147,069
2,718,940
972,305
3,475,138
3,675,138
3,941,058
N/A
N/A
N/A
N/A
N/A
N/A
9,897,449
(1,328,783)
4,887,501
15,386,918
18,321,532
34,232,419
0.45
42.91%
43.75%
0.04
4.23%
4.26%
4.39%
4.91%
1.65%
1.89%
2.28%
0.74%
1.28%
1.75%
1.88%
1.31%
3.48%
0.03
0.55
57.09%
56.25%
0.89
0.45
0.68
0.12
0.14
0.21
0.93
0.92
0.83
0.62
0.74
0.25
7.22%
3.84%
2.57%
51.47%
0.51
58.74%
25.87%
31.55%
29.35%
15.89%
14.33%
9.91%
52.24%
50.42%
54.34%
194.67%
259.18%
354.98%
61.89%
77.55%
0.68
19.03%
15.61%
18.01%
16.35%
15.05%
16.55%
13.69%
12.47%
14.03%
46.24%
14.84%
12.87%
85.94%
96.38%
91.86%
43.01%
46.52%
45.16%
0.31
0.33
0.58
14.08
15.07
14.96
0.37
0.31
0.22
4.61
-0.49
5.03
2011
(Thousand Rupees)
2009
2010
2011
5,817,670
7,396,027
7,638,576
5,000,000
6,000,000
6,000,000
163,533
279,204
327,714
654,137
1,116,823
1,310,862
475,848
38,418
92,121
1,991,936
3,036,164
4,114,422
1,857,327
2,863,481
3,695,484
260,000
134,609
172,683
158,938
8,285,454
10,470,609
11,845,119
2,633
10,552
9,143
1,309,451
352,808
20,675
446,250
600,000
5,326,675
7,160,982
8,974,337
1,174,878
2,178,571
2,592,810
443,011
75,141
393,141
229,491
75,141
117,654
945,387
2,103,430
2,475,156
26,071
44,762
48,060
228,987
198,075
317,748
809,863
1,030,191
1,323,067
124,744
193,494
402,712
685,119
836,697
920,355
(255,745)
79,955
(324,136)
429,374
916,652
596,219
163,699
171,171
58,340
110,083
209,239
167,757
97,529
191,647
150,135
482,990
878,584
486,802
371,417
578,357
242,549
500,000
600,000
600,000
0.00
0.00
0.00
0.00
0.00
0.00
1,287,294
448,811
1,708,563
2,284,428
3,095,251
3,679,976
0.85
81.22%
69.56%
8.27%
7.99%
7.77%
6.38%
7.82%
3.18%
4.48%
5.52%
2.05%
1.98%
1.63%
0.49%
5.18%
8.75%
5.03%
0.15
18.78%
30.44%
0.20
0.22
0.31
0.11
0.17
0.12
0.60
1.12
2.57
0.74
0.96
0.40
15.84%
3.47%
0.25%
64.29%
68.39%
75.76%
11.41%
20.09%
0.21
0.00
0.00
2.19%
24.04%
-
0.29
-
34.74%
997.23%
63.26%
76.08%
65.55%
37.71%
3.45%
15.16%
19.53%
3.45%
4.54%
7.61%
1.02%
5.15%
-111.44%
106.41%
-2.76
0.52
1.00
29.93%
70.22%
70.64%
64.49%
0.39
0.42
0.48
11.64
12.33
12.73
0.00
0.00
0.03
3.47
0.78
7.04
2011
(Thousand Rupees)
2009
2010
2011
5,810,462
7,391,552
7,996,016
5,000,000
6,000,000
6,000,000
162,093
278,311
399,204
648,369
1,113,241
1,596,812
495,517
(48,993)
(68,113)
5,825,000
7,026,052
24,617,113
5,296,808
5,943,385
23,359,531
395,000
844,000
979,018
133,192
238,667
278,564
12,130,979
14,368,611
32,545,016
23,869
30,803
174,790
191,915
129,969
562,085
1,507,910
1,222,727
627,841
8,415,996
9,868,363
25,742,364
1,757,624
2,475,172
4,667,373
6,736
2,992
25,131
7,529
20,712
1,732,493
2,467,643
4,646,661
37,614
21,013
34,067
221,182
628,093
757,208
971,221
1,698,132
2,397,223
207,450
777,987
1,469,277
763,771
920,145
927,946
192,918
81,344
86,874
570,853
838,801
841,072
254,064
211,963
283,965
157,743
169,106
204,908
132,343
165,145
204,669
667,174
881,658
920,129
447,453
581,090
604,464
500,000
600,000
600,000
0.00
0.00
0.00
0.00
0.00
0.00
5,487,232
1,076,382
9,066,170
1,141,106
6,331,452
21,546,987
78.64%
54.19%
38.71%
0.06
0.06
2.85%
0.08
7.86%
7.56%
3.69%
4.04%
1.86%
2.09%
1.48%
0.87%
4.71%
5.84%
2.58%
21.36%
45.81%
61.29%
0.20
0.19
0.22
0.13
0.09
0.08
0.52
0.78
0.72
0.89
0.97
1.01
1.78%
1.12%
2.26%
69.38%
68.68%
0.79
14.28%
17.17%
14.28%
3.26%
5.87%
3.01%
48.02%
0.49
75.64%
444.97%
293.27%
476.74%
30.88%
36.47%
19.18%
0.00
0.27%
0.06%
1.43%
0.00
0.44%
0.00
0.09%
0.04%
767.65%
1080.41%
419.44%
111.77%
692.25%
0.48
51.44%
24.57%
0.20
0.86
2.69
11.62
12.32
13.33
0.07
0.11
0.12
12.26
1.85
15.00
2011
(Thousand Rupees)
2009
2010
2011
7,325,189
7,885,555
11,058,455
6,457,200
6,457,200
9,116,400
173,598
285,671
388,411
694,391
1,142,684
1,553,644
2,526,213
2,591,648
766
1,089,244
1,156,757
119,094
975,685
1,132,259
106,874
113,559
24,498
12,220
10,940,646
11,633,960
11,178,315
1,363,660
1,399,836
1,491,717
9,148
8,736
23,227
1,245,029
1,264,140
583,954
3,158,326
3,099,787
4,077,544
4,927,264
5,557,525
4,901,692
377,756
247,273
248,632
464,032
4,679,991
5,308,893
4,437,660
187,828
180,566
176,177
296,664
372,002
388,036
1,050,697
1,252,143
1,312,686
36,435
283,899
47,666
1,014,262
968,244
1,265,020
197,273
41,361
175,398
816,989
866,084
943,092
138,830
176,223
133,437
165,756
180,206
208,924
165,706
180,205
208,403
790,065
862,102
867,605
513,542
560,366
513,700
645,720
645,720
911,640
0.00
0.00
0.00
0.00
0.00
0.00
(3,029,800)
(81,735)
1,169,605
1,753,996
865,132
231,127
96.53%
77.33%
96.37%
9.27%
8.32%
11.32%
7.01%
7.11%
4.65%
4.69%
4.82%
0.05
1.27%
1.51%
1.19%
7.47%
7.44%
8.44%
3.47%
22.67%
3.63%
0.21
0.21
0.24
0.14
0.13
0.14
1.19
1.02
1.56
0.80
0.87
0.56
12.55%
12.11%
13.55%
28.87%
26.64%
36.48%
42.78%
45.63%
0.40
0.00
0.00
0.00
9.96%
9.94%
1.07%
505.01%
490.84%
4586.42%
0.00
0.00
7.71%
5.02%
4.47%
9.47%
0.00
0.00
3.42%
79.78%
16.64%
0.38
122.84%
66.95%
67.78%
98.93%
0.24
0.11
0.02
11.34
12.21
12.13
0.00
0.00
0.00
-5.90
-0.15
2.28
2011
(Thousand Rupees)
2009
2010
2011
8,884,894
11,502,905
12,503,432
6,000,000
6,000,000
6,000,000
2,884,894
2,992,287
3,114,865
2,510,618
3,388,567
175,691
239,868
84,687
15,145,252
13,280,158
11,342,439
10,377,872
9,807,369
9,161,654
4,075,951
3,138,512
1,726,601
691,429
334,277
454,184
24,205,837
25,022,931
23,930,558
92,512
51,424
442,766
1,797,223
1,409,688
24,653
800,000
250,000
17,091,939
17,521,580
15,966,871
5,003,098
6,389,805
8,131,825
1,693,697
1,648,540
1,723,232
1,395,656
1,420,615
1,577,790
3,607,442
4,969,190
6,554,035
111,266
260,736
282,125
705,455
560,313
660,108
1,797,555
2,111,019
2,204,036
1,189,263
1,452,508
1,445,302
608,292
658,511
758,734
716,319
(37,100)
208,083
(108,027)
695,611
550,651
1,015,405
1,030,674
1,638,323
314,729
412,408
462,723
314,526
411,259
462,723
592,649
1,321,877
1,726,251
516,367
968,732
1,360,527
240
240
240
0.00
0.00
0.00
0.00
0.00
0.00
7,482,073
(2,336,821)
(3,341,852)
534,532
193,141
1,150,452
33.84%
31.19%
34.42%
2.51%
2.63%
3.17%
5.81%
8.42%
10.88%
2.13%
3.87%
5.69%
4.19%
4.12%
6.85%
-0.45%
2.78%
0.02
66.16%
68.81%
65.58%
0.53
0.31
0.27
0.11
0.13
0.12
0.31
0.40
0.28
2,151.53
4,036.38
5,668.86
7.81%
5.84%
1.95%
70.61%
70.02%
66.72%
0.15
19.86%
27.39%
16.84%
12.54%
7.22%
62.57%
53.07%
0.47
122.75%
203.59%
470.97%
34.61%
49.36%
74.68%
33.85%
0.26
21.19%
0.28
22.23%
0.19
19.06%
14.33%
13.78%
51.32%
-2.61%
13.19%
0.82
86.17%
91.56%
36.71%
45.97%
52.25%
0.06
0.02
0.09
37,020.39
47,928.77
52,097.63
0.46
0.27
0.14
14.49
-2.41
-2.46
2011
(Thousand Rupees)
2009
2010
2011
6,524,955
6,650,877
6,586,986
6,141,780
6,141,780
6,141,780
444,589
474,801
474,801
(61,414)
34,296
(29,595)
(207,905)
(191,250)
(229,759)
10,099,231
9,915,845
8,526,649
3,210,806
4,983,790
4,537,471
6,404,711
4,657,690
3,652,844
483,714
274,365
336,334
16,416,281
16,375,472
14,883,876
64,312
76,513
42,643
108,980
36,324
41,177
1,646,286
1,482,414
200,000
6,379,873
6,286,676
6,187,323
8,285,178
8,430,312
8,003,538
1,012,965
1,122,912
1,566,090
944,570
1,019,531
964,425
7,340,608
7,410,781
7,039,113
82,960
96,089
68,568
793,262
986,675
1,305,052
1,611,086
1,675,251
1,728,763
1,145,347
1,125,259
1,100,691
465,739
549,992
628,072
508,620
341,721
185,091
(42,881)
208,271
442,981
(484,130)
214,661
46,188
226,215
287,562
373,618
222,880
281,965
341,014
(753,226)
105,473
115,551
(728,107)
131,626
(63,891)
614,178
614,178
614,178
0.00
0.00
0.00
0.00
0.00
0.00
(572,247)
(88,345)
726,795
2,267,235
1,620,644
1,446,275
28.91%
32.83%
36.33%
2.84%
3.36%
4.22%
-11.16%
1.98%
-0.97%
-4.44%
0.01
-0.43%
-2.95%
1.31%
0.31%
-0.26%
1.27%
2.98%
71.09%
67.17%
63.67%
-0.30
2.67
2.95
0.20
0.15
0.21
-0.46
1.31
7.38
-1.19
0.21
-0.10
1.06%
0.69%
0.56%
38.86%
38.39%
41.57%
44.72%
45.26%
47.29%
39.01%
28.44%
24.54%
61.52%
60.55%
57.29%
129.36%
1.81
2.19
86.16%
87.44%
97.72%
12.23%
13.32%
19.57%
0.11
12.09%
12.05%
15.52%
16.88%
23.78%
53.85%
33.52%
19.19%
93.25%
90.79%
61.58%
39.75%
40.61%
44.26%
0.35
0.24
0.22
10.62
10.83
10.72
0.98
0.70
0.55
0.79
-0.67
-11.38
2011
(Thousand Rupees)
2009
2010
2011
6,564,920
6,793,844
6,931,824
6,150,000
6,150,000
6,150,000
414,920
492,568
485,312
151,276
296,512
(142,019)
(31,697)
(56,048)
14,141,838
12,430,977
11,963,268
8,895,096
6,145,349
6,648,716
4,562,089
5,561,165
4,695,693
684,653
724,463
618,859
20,564,739
19,193,124
18,839,044
73,968
70,420
66,679
590,362
664,169
209,531
2,846,936
2,467,467
1,321,745
10,775,046
9,129,453
10,632,874
6,440,129
7,052,670
6,739,785
926,015
1,221,006
1,199,078
926,015
1,107,629
974,224
5,514,114
5,945,041
5,765,561
62,538
74,901
68,276
701,775
841,673
774,378
2,319,194
2,231,471
2,270,702
1,636,815
1,462,002
1,513,542
682,379
769,469
757,160
729,674
267,739
(73,119)
(47,295)
501,730
830,279
(359,896)
297,510
153,800
246,628
343,788
360,868
234,559
326,855
335,648
(653,819)
455,452
623,211
607,493
332,799
357,521
615,000
615,000
615,000
0.00
0.00
0.00
0.00
0.00
0.00
52,313
1,800,538
(2,462,635)
1,134,953
625,687
2,833,372
29.42%
34.48%
33.34%
3.32%
4.01%
4.02%
9.25%
0.05
5.16%
2.95%
1.73%
0.02
-1.75%
1.55%
0.82%
-0.23%
2.61%
4.41%
70.58%
65.52%
66.66%
-0.36
0.72
0.54
0.13
0.14
0.15
-0.65
1.10
2.18
0.99
0.54
0.58
3.23%
3.83%
1.47%
0.52
47.57%
56.44%
26.81%
30.97%
0.31
22.18%
28.97%
24.93%
68.77%
64.77%
0.64
141.17%
126.82%
143.53%
47.86%
60.25%
59.41%
14.38%
17.31%
17.79%
14.38%
15.71%
14.45%
14.11%
17.97%
0.17
0.79
24.17%
-7.51%
1.00
90.71%
81.25%
31.92%
0.35
36.79%
0.17
0.09
0.41
10.67
11.05
11.27
0.69
0.82
0.68
0.09
5.41
-6.89
2011
(Thousand Rupees)
2009
2010
2011
7,992,320
7,758,307
6,233,267
6,000,000
6,000,000
6,000,000
2,520,384
1,961,641
1,513,182
(528,064)
(203,334)
(1,279,915)
2,086,629
1,046,117
829,249
11,132,171
13,178,438
10,262,203
8,160,658
9,078,012
7,064,577
2,635,848
2,858,458
1,618,222
335,665
1,241,968
1,579,404
21,211,120
21,982,862
17,324,719
44,579
41,130
56,121
2,538,196
286,434
193,655
2,083,871
431,258
171,111
7,403,287
7,177,103
5,101,879
7,594,930
12,130,998
10,870,638
2,619,486
2,828,882
3,006,985
1,985,406
2,773,949
3,477,362
5,609,524
9,357,049
7,393,276
2,282,313
2,448,286
2,321,846
1,249,350
2,241,602
2,086,831
1,870,370
1,728,226
1,479,941
1,428,082
1,399,433
1,173,520
442,288
328,793
306,421
571,641
212,552
719,171
(129,353)
116,241
(412,750)
730,913
(16,197)
136,865
196,267
374,212
1,471,800
196,267
359,004
337,031
405,193
(274,167)
(1,747,686)
418,904
(434,030)
(2,042,565)
600,000
600,000
600,000
0.00
0.00
0.00
0.00
0.00
0.00
(809,416)
(2,147,613)
(1,979,145)
6,270,668
5,590,225
3,344,230
23.65%
19.02%
0.21
2.09%
0.02
1.77%
5.24%
-5.59%
-32.77%
1.97%
-1.97%
-11.79%
3.45%
-0.07%
0.79%
-0.61%
0.53%
-2.38%
76.35%
80.98%
0.79
0.48
-1.31
-0.19
0.08
0.22
0.91
0.27
-22.16
2.46
0.70
-0.72
-3.40
12.18%
1.49%
1.44%
0.35
32.65%
29.45%
26.45%
42.57%
42.67%
12.43%
0.13
9.34%
52.48%
59.95%
59.23%
288.14%
424.39%
671.76%
70.35%
101.63%
1.25
34.49%
23.32%
27.66%
26.14%
22.87%
31.99%
32.78%
36.46%
48.24%
28.79%
7.66%
20.68%
75.79%
98.06%
115.64%
37.68%
35.29%
35.98%
0.78
0.72
0.54
13.32
12.93
10.39
0.33
0.37
0.26
-1.93
4.95
0.97
Shareholders' Equity
FY 11
Growth%
80%
4.8
4.3
63%
60%
2.0
40%
1.3
RV
UPL
2%
-2.0
-10%
-3.0
Composition of items of non-current liabilities
100%
5.8
(0)
80%
6.8
(0)
60%
6.3
(0)
40%
4.6
20%
5.0
(0)
(0)
3.0
(0)
0%
FY 10
FY 11
Non Current Assets

FY 10
17.7
FY 11
Growth%
17.4
13.2
13.0
-1%
-2%
NCA
NIFL
16.1
FY 10
14.5
1.6
2.4
CCA
OCA
17.0 FY 11
FY 10
4.0
3.7
3.6
3.5
3.0
2.5
2.0
1.5
1.2
-4%
1.0
0.6
-50%
0.5
0.1
0.0
0.0
-98%
IL
II
OI
-0.5
-1.0
Income from investment (II) declined by 98.2 percent and other income (OI) by 49.9 percent in FY11.
Administrative expenses (AE) were Rs 1.0 billion in FY10 decreased to Rs. 928 million during FY11.
nd after taxation were Rs.176.2 million and Rs. 64.6 million respectively in FY11.
1.40%
0.90%
ROE
ROCE
-1.70%
-3.10%
-14.40%
2011
(Thousand Rupees)
2009
2010
2011
5,699,127
4,262,889
4,599,848
4,782,365
4,764,964
4,277,214
1,735,115
1,257,006
2,048,172
(818,353)
(1,759,081)
(1,725,538)
(97,545)
141,757
275,546
49,869,729
32,681,664
28,672,259
30,995,512
17,120,915
14,432,241
5,647,750
4,991,653
2,960,044
14,343,156
6,347,260
4,680,145
11,004,606
5,782,002
6,792,052
18,874,217
15,560,749
14,240,018
55,471,311
37,086,310
33,547,653
27,998,647
17,687,778
17,448,877
21,840,207
13,171,916
12,950,696
1,954,976
1,641,203
1,571,968
4,203,464
2,874,659
2,926,213
27,472,664
19,398,532
16,098,776
554,843
6,723
514
597,845
262,290
335,190
1,627,672
1,614,842
841,296
864,832
525,124
453,553
3,645,192
2,408,979
1,630,553
23,827,472
16,989,553
14,468,223
4,445,437
2,908,978
2,772,786
936,782
817,667
817,592
5,382,219
3,726,645
3,590,378
153,329
108,335
2,003
828,022
1,207,546
605,567
6,363,570
5,042,526
4,197,948
1,314,381
1,047,419
927,627
(1,520,635)
(673,912)
176,225
(1,416,180)
(615,564)
64,655
478,215
476,475
427,720
N/A
N/A
N/A
N/A
N/A
N/A
4,585,308
2,242,989
1,236,917
-24.85%
-14.44%
1.41%
-4.16%
-3.13%
0.91%
-2.55%
-1.66%
0.19%
-22.25%
-12.21%
1.54%
84.58%
0.74
85.53%
-0.93
-1.70
14.35
-2.96
-1.29
0.15
6.57%
0.07
4.86%
39.37%
35.52%
0.39
1.46
1.25
1.13
0.90
0.88
0.85
10.27%
11.49%
13.71%
11.92
8.95
10.75
-3.24
-3.64
19.13
0.24
0.14
0.09
2011
(Thousand Rupees)
2009
2010
2011
202,112
101,581
75,433
215,000
215,000
215,000
58,625
58,625
58,625
(71,513)
(172,044)
(198,192)
18,970
18,022
76,108
852,115
554,619
310,943
262,733
43,384
281,847
96,968
4,796
62,378
141,555
33,888
219,469
24,210
4,700
589,382
511,235
29,096
1,073,197
674,222
462,484
289,847
144,025
18,940
189,313
67,666
2,100
89,373
65,676
16,493
11,161
10,683
347
783,350
530,197
443,544
36
30
20
16,199
14,000
11,170
763,478
512,481
431,553
779,713
526,511
442,743
3,637
3,686
801
91,969
50,634
18,842
3,415
5,425
988
95,384
56,059
19,830
10,931
10,361
10,780
106,315
66,420
30,610
36,188
27,767
(20,628)
(74,578)
(118,232)
(42,506)
(56,520)
(101,478)
(44,170)
21,500
21,500
21,500
0.00
0.00
0.00
0.00
0.00
0.00
(24,336)
(24,634)
(27,623)
-27.96%
-1.00
-58.56%
-15.41%
-72.54%
-9.81%
-5.27%
-15.05%
-9.55%
-53.16%
-152.78%
-1.44
89.72%
0.84
64.78%
-0.64
-0.27
0.47
-2.63
-4.72
-2.05
72.65%
78.09%
95.73%
17.64%
10.04%
0.45%
1.33
1.04
15.24
0.79
0.82
0.67
18.83%
15.07%
16.31%
9.40
4.72
3.51
0.43
0.24
0.63
-0.04
-0.05
-0.95
2011

(Thousand Rupees)
2009
2010
2011
617,815
648,916
705,192
500,000
500,000
500,000
88,932
95,152
106,407
28,883
53,764
98,785
(35,573)
(21,891)
(17,939)
99,621
110,680
215,889
40,441
54,165
88,612
40,441
52,281
86,935
1,884
1,677
59,180
56,515
127,277
681,863
737,705
903,142
289,984
373,074
592,851
109,761
189,948
394,831
4,996
7,612
9,374
175,227
175,514
188,646
391,879
364,631
310,291
22
121
318
111,296
6,065
7,044
119,934
121,028
51,152
231,252
127,214
58,514
160,627
237,417
251,777
27,145
19,463
48,166
294
48,927
46,215
27,439
68,390
94,381
36,832
51
3,663
67,934
68,441
94,381
29,087
34,519
44,826
(126,024)
34,017
57,080
(102,893)
31,101
56,276
50,000
50,000
50,000
0.00
0.00
0.00
0.00
0.00
0.00
151,088
(69,226)
(232,366)
-16.65%
4.79%
7.98%
-20.24%
4.99%
7.36%
-15.09%
4.22%
6.23%
-151.46%
45.44%
59.63%
40.39%
99.93%
1.00
-0.28
1.11
0.80
-2.06
0.62
1.13
33.91%
17.24%
6.48%
0.16
25.75%
43.72%
6.62
6.45
2.44
0.15
0.15
0.24
90.61%
87.96%
78.08%
12.36
12.98
14.10
-1.47
-2.23
-4.13
2.55
-1.22
-1.83
2011
(Thousand Rupees)
2009
2010
2011
2,077,910
2,016,356
2,160,686
820,528
820,529
820,529
1,052,604
1,195,827
1,340,157
204,778
87,013
25,245,296
21,762,670
19,554,519
17,807,230
12,963,244
11,093,605
3,864,826
3,186,110
2,172,519
8,100,984
4,543,263
3,165,148
5,841,420
5,233,871
5,755,938
7,438,066
8,799,426
8,460,914
27,323,206
23,779,026
21,802,218
13,465,632
11,918,496
12,238,277
9,828,123
9,130,304
9,109,645
1,121,881
1,075,338
1,266,877
2,515,628
1,712,854
1,861,755
13,857,574
11,860,530
9,563,941
528,227
128,632
242,277
1,467,281
1,216,429
358,263
1,995,508
1,345,061
600,540
11,862,066
10,515,469
8,963,401
2,374,476
2,066,884
2,107,805
589,621
625,848
648,815
2,964,097
2,692,732
2,756,620
83,641
70,258
475,772
994,309
433,383
3,523,510
3,757,299
3,190,003
651,523
599,756
548,631
(428,715)
125,956
226,585
(467,096)
104,784
144,673
82,053
82,053
82,053
0.00
0.00
0.10
0.00
0.00
0.00
2,690,983
945,394
801,778
-22.48%
0.05
0.07
-2.16%
0.84%
0.02
-1.71%
0.44%
0.66%
-13.26%
2.79%
4.54%
84.12%
71.67%
86.41%
-1.39
5.72
3.79
-5.69
1.28
1.76
0.07
5.66%
2.75%
35.97%
0.38
41.78%
1.86
1.35
1.13
0.92
0.92
0.90
0.08
8.48%
9.91%
25.32
24.57
26.33
-5.76
9.02
5.54
0.36
0.11
0.09
2011

(Thousand Rupees)
2009
2010
2011
333,766
346,117
364,255
253,698
253,698
253,698
32,556
37,041
41,785
47,512
55,378
68,772
47,865
44,150
41,756
324,924
309,837
410,023
227,757
235,872
288,464
25,000
8,333
25,000
161,465
178,168
198,580
41,292
49,371
64,884
97,167
73,965
121,559
706,555
700,104
816,034
473,944
447,104
527,791
391,013
366,450
450,676
82,710
77,532
73,978
221
3,122
3,137
232,611
253,000
288,243
182,279
6,233
2,237
1,530
1,745
182,279
7,763
3,982
50,332
245,237
284,261
53,666
64,158
64,474
53,666
64,158
64,474
5,184
4,738
349
487
4,724
59,199
69,383
69,198
18,669
19,884
31,455
23,023
32,273
33,900
14,878
21,249
15,528
25,370
25,370
25,370
0.00
0.05
0.00
0.00
0.00
0.00
(31,254)
43,228
(48,250)
4.46%
6.14%
4.26%
3.78%
5.15%
4.88%
2.11%
3.04%
0.02
25.13%
30.63%
22.44%
90.65%
92.47%
93.17%
1.25
0.94
2.03
0.59
0.84
0.61
0.26
1.11%
0.49%
55.34%
52.34%
55.23%
2.39
3.42
2.37
0.46
0.44
0.50
47.24%
49.44%
44.64%
13.16
13.64
14.36
-2.10
2.03
-3.11
-0.32
0.58
-0.40
2011

(Thousand Rupees)
2009
2010
2011
349,615
299,829
237,289
320,000
320,000
320,000
48,466
48,466
48,466
(18,851)
(68,637)
(131,177)
1,649
3,835
184
1,239,513
685,972
552,010
529,821
297,074
98,820
98,236
12,659
14,111
428,318
280,353
72,496
3,267
4,062
12,213
709,692
388,898
453,190
1,590,777
989,636
789,483
957,777
470,485
207,162
907,451
432,543
158,289
13,861
23,402
23,017
36,465
14,540
25,856
633,000
519,151
582,321
36
26
22,411
11,877
10,407
28,660
3,864
22,447
40,563
14,280
610,553
478,588
568,041
104,603
73,469
44,260
1,079
104,603
74,548
44,260
(4,674)
19,268
11,043
15,459
119,197
85,591
59,719
47,631
44,709
47,250
(70,560)
(47,388)
(61,943)
(69,748)
(49,786)
(62,540)
32,000
32,000
32,000
0.00
0.00
0.00
0.00
0.00
0.00
236,228
231,733
31,297
-19.95%
-0.17
-26.36%
-8.01%
-7.89%
-18.42%
-4.38%
-5.03%
-7.92%
-58.51%
-58.17%
-104.72%
87.76%
0.87
74.11%
-0.68
-0.90
-0.76
-2.18
-1.56
-1.95
1.41%
0.04
1.81%
57.04%
43.71%
20.05%
0.89
1.33
1.28
0.78
0.69
0.70
21.98%
0.30
30.06%
10.93
9.37
7.42
-3.39
-4.65
-0.50
0.33
0.60
0.07
2011
(Thousand Rupees)
2009
2010
2011
217,148
(123,738)
(239,548)
451,605
451,605
451,605
148,257
148,257
148,257
(382,714)
(723,600)
(839,410)
(144,934)
25,261
23,664
5,830,720
4,569,990
3,378,209
2,648,890
1,769,358
1,100,629
632,000
876,653
692,925
164,269
1,772,237
444,433
936,360
3,181,830
2,800,632
2,277,580
5,902,934
4,471,513
3,162,325
2,233,638
1,408,863
765,287
1,880,876
1,069,278
453,840
260,795
119,283
99,760
91,967
220,302
211,687
3,669,296
3,062,650
2,397,038
14,125
30
36
108,866
18,511
31,665
1,013
184,682
184,144
124,004
203,223
215,845
3,545,292
2,859,427
2,181,193
437,132
277,855
135,665
62,221
25,474
9,968
499,353
303,329
145,633
177,970
132,554
73,932
677,323
435,883
219,565
112,291
97,227
90,227
(527,197)
(419,636)
(165,937)
(458,059)
(342,754)
(117,678)
45,160
45,160
45,160
0.00
0.00
0.00
0.00
0.00
0.00
823,319
930,274
935,483
-210.94%
2.77
49.13%
-19.37%
-25.11%
-18.76%
-7.76%
-7.67%
-3.72%
-67.63%
-78.63%
-0.54
73.72%
69.59%
66.33%
-0.25
-0.28
-0.77
-10.14
-7.59
-2.61
0.02
4.54%
6.83%
31.86%
23.91%
14.35%
1.15
1.09
1.05
0.99
1.02
1.07
3.68%
-2.77%
-7.58%
4.81
-2.74
-5.30
-1.80
-2.71
-7.95
0.26
0.33
0.41
2011
(Thousand Rupees)
2009
2010
2011
215,787
59,449
107,003
438,028
438,028
438,028
118,867
118,867
118,867
(341,108)
(497,446)
(449,892)
22,547
21,319
24,830
3,727,834
2,668,937
1,704,673
1,812,607
1,432,902
919,091
1,157,747
1,147,358
686,036
654,860
285,544
233,055
1,915,227
1,236,035
785,582
3,966,168
2,749,705
1,836,506
2,010,853
1,114,513
739,448
1,222,343
494,912
328,129
204,684
161,314
13,844
583,826
458,287
397,475
1,955,315
1,635,192
1,097,058
34
22
3,750
2,517
7,059
680
1,305
9,110
101,354
12,643
22,000
105,784
16,499
38,191
1,849,531
1,618,693
1,058,867
321,161
149,924
100,876
46,438
21,398
15,418
367,599
171,322
116,294
(108,625)
(49,674)
(625)
(60,802)
8,467
26,066
198,172
130,115
141,735
99,937
93,118
83,622
(468,114)
(291,909)
(13,899)
(357,797)
(273,954)
(24,785)
43,802
43,802
43,802
0.00
0.00
0.00
0.00
0.00
0.00
57,319
201,632
251,530
-165.81%
-460.82%
-23.16%
-22.82%
-19.28%
-1.32%
-9.02%
-9.96%
-1.35%
-180.55%
-210.55%
-17.49%
185.49%
131.67%
82.05%
-0.28
-0.34
-3.37
-8.17
-6.25
-0.57
2.67%
0.01
2.08%
30.82%
0.18
17.87%
1.02
1.32
1.40
0.94
0.97
0.93
5.44%
2.16%
5.83%
4.93
1.36
2.44
-0.16
-0.74
-10.15
0.03
0.16
0.32
2011

(Thousand Rupees)
2009
2010
2011
306,303
313,321
334,524
300,000
300,000
300,000
61,862
63,209
67,424
(55,559)
(49,888)
(32,900)
40,476
54,953
43,823
632,691
163,218
133,229
315,918
70,515
78,862
33,333
397
1,077
39,048
57,882
281,508
31,070
20,980
316,773
92,703
54,367
979,470
531,492
511,576
361,974
201,727
176,560
278,688
119,243
108,608
82,337
81,654
67,609
949
830
343
617,496
329,765
335,016
67
65
57
97,559
48,354
23,317
137,332
60,118
213,618
234,958
108,537
236,992
382,538
221,228
98,024
84,095
43,171
25,052
5,192
184
19,585
89,287
43,355
44,637
10,540
31,844
3,841
99,827
75,199
48,478
24,054
24,326
20,553
(74,417)
(486)
25,600
(67,860)
6,736
21,077
30,000
30,000
30,000
0.00
0.00
0.05
0.00
0.00
0.00
325,976
210,019
109,863
-22.15%
2.15%
0.06
-11.23%
-0.11%
0.06
-6.93%
1.27%
4.12%
-67.98%
8.96%
43.48%
89.44%
57.65%
92.08%
-0.35
3.61
0.98
-2.26
0.22
0.70
23.99%
20.42%
46.33%
28.45%
22.44%
21.23%
1.95
3.56
6.16
0.65
0.31
0.26
31.27%
58.95%
65.39%
10.21
10.44
11.15
-4.80
31.18
5.21
1.03
2.27
2.02
2011
(Thousand Rupees)
2009
2010
2011
736,138
778,743
855,014
978,354
978,354
978,354
94,408
102,929
118,184
(336,624)
(302,540)
(241,524)
(3,893)
(3,892)
(3,893)
1,269,281
1,580,409
2,412,764
304,736
230,248
482,311
201,334
228,521
482,311
103,402
1,727
964,545
1,350,161
1,930,453
2,001,526
2,355,260
3,263,885
1,292,056
1,561,028
2,182,561
1,043,785
1,279,678
1,944,578
6,734
3,699
1,016
241,537
277,651
236,967
709,470
794,232
1,081,324
32
52
5,287
8,518
14
5,741
1,025
19,400
11,035
9,575
19,466
698,435
784,657
1,061,858
206,423
292,120
165,421
18,709
12,129
165,421
225,132
304,249
269
2,628
14,464
16,159
37,382
179,885
241,560
344,259
53,833
70,626
81,691
(56,552)
65,547
117,345
(59,973)
42,606
76,274
97,835
97,835
97,835
0.00
0.00
0.05
0.00
0.00
0.00
(434,775)
(220,574)
(584,795)
-8.15%
5.47%
8.92%
-5.45%
6.52%
0.09
-0.03
1.81%
2.34%
-33.34%
17.64%
22.16%
91.96%
0.93
88.38%
-0.90
1.66
1.07
-0.61
0.44
0.78
0.55%
0.41%
0.01
52.15%
54.33%
59.58%
0.74
0.59
0.56
0.63
0.67
0.74
36.78%
33.06%
0.26
7.52
7.96
8.74
7.25
-5.18
-7.67
-0.45
-0.16
-0.30
FY 10
FY 11
Growth%
10%
5%
0%
0%
-5%
-10%
-15%
SC
RV
UPL
-20%
-25%
-25%
-30%
Current Assets
18.3
18.9
0.6
Current Assets
Cash & Bank Bal.
2011
Non- Current Assets

FY 11
Growth%
0%
0.3
-20%
3.0
2.9
2.0
-25%
-30%
1.0
-32%
0.0
Non-Current
Fixed Assets Long Trem
Assets
Invt.
Profit & Loss Account

FY 10
FY 11
2.9
2.4
2.2
2.0
1.5
1.4
1.0
1.4
GR
AMIN
OP
FC
-1%
-10%
-17%
-32%
ROE
ROCE
ROA
ROR
0.0
-5.10%
-9.80%
-20.90%
-24.40%
-30.90%
-0.3
-46.90%
2011
(Thousand Rupees)
2009
2010
2011
3,861,474
3,956,573
3,006,203
9,472,352
8,809,385
8,809,385
(839,614)
(892,104)
(858,319)
(4,771,264)
(3,960,708)
(4,944,863)
(135,740)
(69,578)
(95,026)
32,722,638
22,647,951
21,724,900
22,467,310
17,502,134
18,024,891
10,255,328
5,145,817
3,700,009
36,448,372
26,534,946
24,636,077
22,359,537
18,320,595
18,890,811
879,937
627,788
346,320
21,479,600
17,692,807
18,544,491
14,088,835
8,214,351
5,745,266
2,357,479
1,089,410
860,819
3,765,840
2,971,874
2,010,597
7,965,516
4,153,067
2,873,850
2,808,171
2,862,407
2,374,446
998,055
1,493,077
1,014,633
1,810,116
1,369,330
1,359,813
3,259,862
2,235,220
2,002,115
(5,043,689)
(1,885,521)
(645,262)
(4,063,536)
(1,343,741)
(732,978)
857,235
880,939
880,939
N/A
N/A
N/A
N/A
N/A
N/A
(992,255)
3,104,579
(650,523)
-105.23%
-33.96%
-24.38%
-36.08%
-20.87%
-9.76%
-11.15%
-5.06%
-2.98%
-1.45
-46.94%
-30.87%
-24.56%
-111.11%
-138.43%
-4.74
-1.53
-0.83
1.00
1.05
1.05
0.90
0.85
0.88
10.33%
0.11
8.16%
10.59%
14.91%
0.12
4.50
4.49
3.41
0.24
-2.31
0.89
2011
(Thousand Rupees)
2009
2010
2011
597,403
366,292
304,107
441,000
441,000
441,000
154,050
154,050
154,050
2,353
(228,758)
(290,943)
7,269
6,824
(2,498)
1,502,971
1,289,870
1,843,908
971,888
866,129
1,726,105
531,083
423,741
117,803
2,107,643
1,662,986
2,145,517
1,108,243
851,787
1,712,396
19,478
19,508
26,435
1,088,765
832,279
1,685,961
999,400
811,199
433,121
106,581
90,658
82,739
544,938
530,943
157,234
347,881
189,598
193,148
356,524
182,339
226,765
141,833
91,007
85,905
214,691
91,332
140,860
92,854
32,358
76,167
3,803
(111,835)
(64,410)
(166,247)
(115,298)
(62,185)
44,100
44,100
44,100
0.00
0.00
0.00
0.00
0.00
0.00
(124,831)
188,243
134,071
-27.83%
-31.48%
-20.45%
0.33%
-14.03%
-15.36%
-7.89%
-6.93%
-0.03
-46.63%
-63.23%
-27.42%
-85.31%
-78.93%
-138.14%
-3.77
-2.61
-1.41
1.14
0.98
0.99
0.71
0.78
0.86
25.86%
31.93%
7.33%
28.34%
22.03%
14.17%
13.55
8.31
6.90
0.75
-1.63
-2.16
2011
(Thousand Rupees)
2009
2010
2011
808,568
816,442
727,979
650,000
650,000
650,000
116,089
117,663
117,663
42,479
48,779
(39,684)
(22,388)
(14,967)
(12,586)
1,014,317
663,249
802,483
1,014,217
533,249
594,358
100
130,000
208,125
1,800,497
1,464,724
1,517,876
835,328
621,476
699,193
31,469
18,898
8,598
803,859
602,578
690,595
965,169
843,248
818,683
6,943
4,461
12,072
788,163
786,088
676,605
170,063
52,699
130,006
214,296
164,282
137,804
46,240
49,064
49,177
168,056
115,218
88,627
106,488
81,280
92,344
12,751
5,015
(136,419)
7,655
7,874
(88,462)
65,000
65,000
65,000
0.00
0.00
0.00
0.00
0.00
0.00
388,496
351,427
(115,855)
0.95%
0.96%
-12.15%
1.62%
0.54%
-14.77%
0.43%
0.54%
-5.83%
3.57%
4.79%
-64.19%
604.05%
623.11%
-55.59%
0.12
0.12
-1.36
0.82
1.17
1.18
0.56
0.45
0.53
43.77%
53.67%
44.58%
44.91%
55.74%
47.96%
12.44
12.56
11.20
50.75
44.63
1.31
2011
(Thousand Rupees)
2009
2010
2011
(403,246)
688,563
615,906
626,493
1,342,326
1,342,326
258,210
333,745
333,745
(1,287,949)
(987,508)
(1,060,165)
(115,445)
(67,871)
(24,762)
5,655,107
2,527,415
1,233,747
4,339,578
1,309,872
656,529
1,315,529
1,217,543
577,218
5,136,416
3,148,107
1,824,891
3,444,409
2,291,378
1,298,387
194,340
146,587
114,052
3,250,069
2,144,791
1,184,335
1,692,007
856,729
526,504
85,681
9,432
69,471
410,190
22,961
163,947
1,196,136
824,336
293,086
235,222
292,791
192,259
94,049
99,623
88,027
141,173
193,168
104,232
1,128,269
123,891
18,403
(1,807,575)
234,253
12,905
(1,791,422)
377,676
(44,024)
62,649
134,233
134,233
0.00
0.00
0.00
0.00
0.00
0.00
(485,352)
1,190,133
320,540
444.25%
54.85%
-7.15%
-226.84%
12.74%
0.01
-34.88%
0.12
-2.41%
-761.59%
128.99%
-0.23
-5.25%
26.38%
-199.95%
-28.59
2.81
-0.33
0.79
1.75
1.98
1.10
0.80
0.68
7.99%
0.73%
8.98%
-7.85%
21.87%
33.75%
-6.44
5.13
4.59
0.27
3.15
-7.28
2011
(Thousand Rupees)
2009
2010
2011
1,869,229
1,383,636
1,112,018
2,121,025
2,121,025
2,121,025
136,831
115,145
115,145
(388,627)
(852,534)
(1,124,152)
(1,767)
(38,096)
(55,444)
4,681,192
7,170,566
8,258,383
3,991,601
6,552,288
7,799,232
689,591
618,278
459,151
6,548,654
8,516,106
9,314,957
4,018,714
6,433,626
7,905,249
112,664
216,618
138,606
3,906,050
6,217,008
7,766,643
2,529,940
2,082,480
1,409,708
88,449
188,030
151,764
1,293,943
1,392,615
784,610
1,147,548
501,835
473,334
769,368
1,047,236
923,231
208,593
423,043
380,537
560,775
624,193
542,694
643,352
705,419
873,001
(450,654)
(399,790)
(208,767)
375,086
(164,268)
(271,618)
212,102
212,102
212,102
0.00
0.00
0.00
0.00
0.00
0.00
157,909
676,242
(622,551)
20.07%
-11.87%
-24.43%
-17.62%
-20.36%
-13.77%
5.73%
-1.93%
-2.92%
48.75%
-15.69%
-29.42%
55.61%
-257.53%
-1.40
1.77
-0.77
-1.28
1.01
0.98
1.01
0.71
0.84
0.89
19.76%
16.35%
8.42%
28.54%
16.25%
11.94%
8.81
6.52
5.24
0.42
-4.12
2.29
2011
(Thousand Rupees)
2009
2010
2011
853,716
214,273
(371,982)
2,727,669
2,848,669
2,848,669
(2,022,076)
(2,022,076)
(2,022,076)
148,123
(612,320)
(1,198,575)
144,871
17,189
20,019
6,848,396
4,841,876
3,935,945
4,779,208
3,896,071
3,255,846
2,069,188
945,805
680,099
7,846,983
5,073,338
3,583,982
5,073,978
3,686,464
2,728,022
248,332
75,318
15,341
4,825,646
3,611,146
2,712,681
2,773,005
1,386,874
855,960
946,976
463,409
310,817
175,439
128,543
112,882
1,650,590
794,922
432,261
126,349
636,391
207,610
(239,922)
612,798
228,676
366,271
23,593
(21,066)
(60,849)
561,067
325,595
175,970
(717,297)
(438,434)
165,350
(761,121)
(439,145)
272,767
284,867
284,867
0.00
0.00
0.00
0.00
0.00
0.00
374,906
554,605
162,678
19.37%
-355.21%
118.06%
5.74%
-60.93%
-133.61%
2.11%
-0.15
-12.25%
130.87%
-1.20
-211.52%
-1.45
-80.51%
-52.07%
0.61
-2.67
-1.54
1.06
0.95
0.84
0.87
0.95
1.10
2.24%
2.53%
3.15%
10.88%
4.22%
-10.38%
3.13
0.75
-1.31
2.27
-0.73
-0.37
2011

(Thousand Rupees)
2009
2010
2011
488,012
511,929
518,022
514,336
514,336
514,336
139,650
141,611
142,123
(165,974)
(144,018)
(138,437)
(37,333)
(45,313)
(47,431)
508,819
296,883
397,627
500,880
296,883
397,627
7,939
959,498
763,499
868,218
738,195
632,472
743,372
28,117
7,664
14,180
710,078
624,808
729,192
221,303
131,027
124,846
3,630
1,813
1,749
151,141
51,062
50,983
66,532
78,152
72,114
64,289
88,186
68,048
27,399
33,842
32,112
36,890
54,344
35,936
45,637
29,409
(202,728)
8,708
6,526
(192,693)
13,204
6,093
51,434
51,434
51,434
0.00
0.00
0.00
0.00
0.00
0.00
(31,171)
(168,174)
(41,234)
-39.49%
2.58%
1.18%
-0.44
1.87%
1.39%
-20.08%
1.73%
0.01
-299.73%
14.97%
8.95%
-14.22%
2.56
527.03%
-3.75
0.26
0.12
1.47
2.13
1.87
0.53
0.39
0.46
15.75%
6.69%
5.87%
50.86%
67.05%
59.66%
9.49
9.95
10.07
0.16
-12.74
-6.77
2011
(Thousand Rupees)
2009
2010
2011
380,731
(24,562)
100,153
585,529
892,029
892,029
267,759
267,758
301,031
(472,557)
(1,184,349)
(1,092,907)
(220,625)
72,656
27,676
6,315,225
5,858,092
5,252,807
4,243,904
4,047,642
3,595,194
2,071,321
1,810,450
1,657,613
6,475,331
5,906,186
5,380,636
4,277,208
3,803,392
3,804,192
158,792
143,195
29,108
4,118,416
3,660,197
3,775,084
2,198,123
2,102,794
1,576,444
110,710
331,607
232,207
162,976
59,662
64,336
1,924,437
1,711,525
1,279,901
694,857
451,182
618,729
173,142
183,700
150,199
521,715
267,482
468,530
875,119
685,568
587,196
(976,389)
(904,575)
183,337
(715,226)
(701,808)
166,363
58,553
89,203
89,203
0.00
0.00
0.00
0.00
0.00
0.00
660,426
312,103
(488,172)
-187.86%
2857.29%
166.11%
-43.76%
-48.67%
10.27%
-11.05%
-11.88%
3.09%
-102.93%
-155.55%
26.89%
-24.21%
-26.18%
90.28%
-12.22
-7.87
1.86
1.01
0.94
1.06
0.98
0.99
0.98
2.52%
1.01%
0.01
5.88%
-0.42%
1.86%
6.50
-0.28
1.12
-0.92
-0.44
-2.93
5
0
-100%
Total
Total Equity
Total Assets
Liabilities
FY 10
25.5
1.0
31.2
FY 11
20.9
0.6
25.8
-18%
-46%
-17%
Growth
Major Components of Assets

35.0
1.7
30.0
0.6
25.0
others
20.0
Investments
26.8
15.0
10.0
23.4 Cash & Bank Bal.
5.0
2.7
1.8
0.0
FY 10
FY 11
Major Sources of Income
6.0
5.0
4.0
23%
3.0
16%
2.0
1.0
-38%
0.0
Total
Interest
Dividend
Income
Income
Income
FY 10
4.1
0.8
1.2
FY 11
5.0
0.5
1.4
23%
-38%
16%
Growth
Profitability/Efficiency Ratios
85.80%
73.60%
61.90%
16.60%
9.60%
ROR
ROA
MER
2011
(Thousand Rupees)
2009
2010
2011
26,147,432
25,477,542
20,871,348
30,670,643
27,941,275
19,228,186
1,470,976
2,010,049
2,116,202
(5,994,187)
(4,473,782)
(473,040)
4,310,912
4,653,700
4,391,766
510,262
1,038,086
561,971
109,447
1,302,972
44,501
400,815
(264,886)
517,470
30,968,606
31,169,328
25,825,085
3,898,511
2,680,698
1,847,166
25,980,030
26,793,633
23,402,220
1,090,065
1,694,997
575,699
(12,401,221)
4,067,413
4,990,398
833,365
828,552
514,204
1,566,546
1,179,837
1,363,169
3,566
(4,529,115)
935,685
920,399
(5,888,409)
(1,360,940)
461,407
(4,045,573)
2,459,690
1,731,242
(341,601)
24,589
(23)
1,593,046
1,072,888
708,048
684,830
664,460
504,646
33,104
31,577
23,721
11,325
16,427
8,954
847,159
336,380
150,341
16,628
24,044
20,386
(13,994,267)
2,994,525
4,282,350
3,143,114
2,867,868
1,998,867
N/A
N/A
N/A
N/A
N/A
N/A
(632,206)
1,321,602
1,470,091
119.35%
50.62%
62.38%
-0.03%
0.00
0.00
112.85%
73.62%
85.81%
-45.19%
9.61%
16.58%
42.99%
61.93%
71.27%
9.76
9.74
9.62
-4.45
1.04
2.14
12.59%
0.09
7.15%
1.65%
3.33%
2.18%
99.04%
89.64%
74.46%
0.05
0.44
0.34
2011

(Thousand Rupees)
2009
2010
2011
1,174,174
1,403,921
1,707,315
1,375,400
1,375,400
1,375,400
23,571
34,744
164,084
(224,797)
(6,223)
167,831
10,924
425,272
26,340
1,029
2,324
2,827
9,895
422,948
23,513
1,185,098
1,829,193
1,733,655
35,681
131,182
275,093
1,122,298
1,274,965
1,430,267
27,119
423,046
28,295
(543,568)
397,393
393,294
5,514
9,115
25,669
75,148
100,701
106,606
(291,658)
185,603
215,313
(332,572)
101,974
45,706
31,614
41,279
33,561
24,446
28,812
31,854
641
788
783
1,240
1,399
838
5,287
10,280
86
(575,182)
356,114
359,733
137,540
137,540
137,540
0.00
0.19
0.00
0.00
0.00
0.00
108,214
232,225
329,909
114.84%
72.37%
66.37%
0.00
0.00
0.00
105.82%
89.61%
91.47%
-48.53%
19.47%
20.75%
77.33%
0.70
94.91%
10.00
10.00
10.00
-4.18
2.59
2.62
3.01%
7.17%
15.87%
0.92%
23.25%
1.52%
116.06%
75.19%
79.34%
-0.19
0.65
0.92
2011

(Thousand Rupees)
2009
2010
2011
488,553
634,569
645,077
900,000
900,000
900,000
(62,351)
(349,096)
(265,431)
(254,923)
2,027
5,160
2,545
838
1,050
1,089
1,189
4,110
1,456
490,580
639,729
647,622
2,805
97,700
2,923
485,037
536,162
635,911
2,738
5,867
8,788
(138,533)
101,444
101,012
11,488
12,669
22,062
15,503
26,510
(162,473)
116,881
42,745
(42,429)
19,065
1,878
23
77,166
20,354
17,330
10,744
13,101
13,179
699
656
601
626
65,490
6,580
2,924
233
17
(215,699)
81,090
83,682
90,000
90,000
90,000
0.00
0.08
0.07
0.00
0.00
0.00
(24,263)
94,895
(94,777)
115.93%
73.39%
61.21%
0.00
0.00
0.00
1.56
79.94%
82.84%
-43.97%
12.68%
12.92%
13.92%
64.37%
76.05%
10.00
10.00
10.00
-2.40
0.90
0.93
0.57%
15.27%
0.45%
0.41%
0.81%
0.39%
183.46%
140.68%
138.97%
0.11
1.17
-1.13
2011

(Thousand Rupees)
2009
2010
2011
282,816
348,806
472,946
525,000
525,000
525,000
(242,184)
(176,194)
(52,054)
(157)
(3,377)
(38,414)
2,506
5,913
9,646
690
551
679
1,816
5,362
8,967
285,165
351,342
444,178
55,973
34,072
16,087
226,189
306,439
419,914
3,003
10,831
8,177
(258,159)
77,754
147,383
5,813
3,166
5,483
18,348
12,944
38,110
(11,908)
5,848
27,367
(270,412)
55,002
66,914
794
9,509
11,847
11,763
12,542
10,136
8,340
6,960
629
636
740
160
175
227
922
2,612
4,615
(270,006)
65,991
134,841
52,500
52,500
52,500
0.00
0.02
0.15
0.00
0.00
0.00
22,601
(15,802)
20,977
109.36%
79.28%
70.42%
0.00
0.00
0.00
104.59%
84.87%
91.49%
-94.68%
18.78%
30.36%
85.56%
0.71
55.49%
10.00
10.00
10.00
-5.14
1.26
2.57
19.63%
0.10
3.62%
0.88%
1.68%
2.17%
1.84
149.43%
1.18
-0.08
-0.24
0.16
2011

(Thousand Rupees)
2009
2010
2011
203,306
231,229
257,219
300,000
300,000
300,000
(96,694)
(68,771)
(42,781)
6,952
13,857
16,081
4,144
4,879
5,009
2,808
8,978
11,072
210,258
245,086
273,300
7,954
70,443
36,187
195,890
172,919
232,307
6,414
1,724
4,806
(126,751)
42,193
42,219
1,365
3,981
10,231
13,090
10,125
12,126
(98,205)
37,839
21,975
(43,001)
(9,752)
(2,692)
579
7,070
13,257
13,486
4,144
4,879
5,009
364
1,444
1,465
461
2,562
6,934
6,551
(133,821)
28,936
28,733
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(797,303)
62,488
(34,256)
1.11
66.57%
47.05%
0.00
0.00
0.00
105.58%
68.58%
68.06%
-63.65%
11.81%
10.51%
58.61%
0.37
37.14%
10.00
10.00
10.00
-4.46
0.96
0.96
3.78%
28.74%
13.24%
3.31%
5.65%
5.88%
142.68%
122.41%
109.77%
5.96
2.16
-1.19
2011

(Thousand Rupees)
2009
2010
2011
520,984
484,679
549,713
580,750
580,750
580,750
(59,766)
(96,071)
(31,037)
4,115
2,675
4,194
1,289
768,377
935
2,826
(765,702)
3,259
525,099
487,354
553,907
25,610
57,811
26,310
473,076
413,327
515,057
26,413
16,216
12,540
(198,915)
(17,159)
80,291
39,950
35,148
31,016
11,167
11,924
9,222
10,144
(4,144)
(122,098)
(74,375)
44,197
(127,934)
20,953
19,147
15,257
17,389
13,613
10,753
939
890
903
1,415
3,198
788
1,210
1,446
2,813
(219,868)
(36,306)
65,034
58,075
58,075
58,075
0.00
0.00
0.03
0.00
0.00
0.00
(9,684)
32,200
(31,501)
1.26
374.33%
49.88%
0.00
0.00
0.00
110.53%
211.59%
0.81
-41.87%
-7.45%
11.74%
82.99%
0.71
70.48%
10.00
10.00
10.00
-3.79
-0.63
1.12
4.88%
11.86%
4.75%
0.78%
0.55%
0.76%
1.11
119.16%
104.85%
0.04
-0.89
-0.48
2011

(Thousand Rupees)
2009
2010
2011
831,434
968,463
963,068
760,492
760,492
760,492
9,751
6,175
6,733
61,191
201,796
195,843
13,663
13,611
49,883
1,575
2,095
2,161
12,088
11,516
47,722
845,097
982,074
1,012,951
280,115
9,898
10,047
545,849
968,766
936,117
19,133
3,410
66,787
(374,128)
179,751
150,680
29,419
25,792
8,422
39,639
43,545
48,649
(238,469)
(64,499)
(10,459)
(207,810)
174,913
102,727
3,093
1,341
20,631
39,146
27,349
16,560
20,095
19,661
465
705
590
1,753
5,491
1,636
1,853
12,855
5,462
(394,759)
140,605
123,331
152,098
152,098
152,098
0.00
0.00
0.15
0.00
0.00
0.00
234,138
(280,172)
127,864
118.46%
61.43%
62.12%
0.00
0.00
0.00
105.51%
78.22%
81.85%
-46.71%
14.32%
12.18%
80.27%
51.33%
71.89%
5.00
5.00
5.00
-2.60
0.92
0.81
33.15%
1.01%
0.99%
1.62%
1.39%
4.92%
89.99%
77.44%
75.08%
-0.59
-1.99
1.04
2011
(Thousand Rupees)
2009
2010
2011
2,892,841
2,760,140
3,180,705
3,180,044
3,180,044
3,180,044
506,438
506,438
506,438
(793,641)
(926,342)
(505,777)
(469)
135,436
(145,936)
62,417
62,544
67,011
5,304
968
714
57,113
61,576
66,297
2,954,789
2,958,120
3,101,780
704,134
738,045
82,152
2,224,507
2,188,255
2,863,246
26,148
31,820
156,382
(1,603,098)
171,614
733,167
78,858
71,973
44,701
155,186
117,566
184,340
(840,680)
134,223
423,338
(996,879)
(153,887)
80,788
417
1,739
678,459
148,063
98,287
62,198
66,425
61,817
2,722
2,849
2,711
2,954
3,155
2,936
608,230
73,243
26,875
2,355
2,391
3,948
(2,281,557)
23,551
634,880
318,004
315,696
318,004
0.00 -
0.00 -
413,864
205,891
(305,737)
1.15
-10.44%
68.76%
0.00
0.00
0.00
142.32%
13.72%
86.59%
-77.22%
0.01
20.47%
9.17%
44.86%
62.89%
10.00
10.07
10.00
-7.17
0.07
2.00
23.83%
24.95%
2.65%
2.11%
2.11%
2.16%
107.62%
1.08
102.52%
-0.18
8.74
-0.48
2011

(Thousand Rupees)
2009
2010
2011
1,238,901
1,004,473
1,205,768
1,185,750
1,185,750
1,185,750
10,000
10,000
10,000
43,151
(191,277)
10,018
(1,571)
17,763
16,885
20,343
1,985
102
221
15,778
16,783
20,122
1,255,093
1,021,358
1,226,111
288,313
79,565
67,159
959,730
934,113
1,148,780
7,050
7,680
10,172
(1,255,689)
(54,766)
308,390
54,303
25,588
12,556
43,563
46,188
64,609
(673,017)
115,167
58,293
(680,538)
(241,709)
172,932
41,154
61,087
47,809
31,125
24,801
23,312
2,534
2,218
2,143
4,949
32,610
20,447
2,546
1,458
1,907
(1,296,843)
(115,853)
260,581
118,575
118,575
118,575
0.10
0.10
0.07
0.00
0.00
0.00
(302,428)
(109,440)
44,966
107.79%
231.06%
74.98%
0.00
0.00
0.00
103.28%
211.54%
0.85
-103.33%
-11.34%
21.25%
75.63%
0.41
48.76%
10.00
10.00
10.00
-10.94
-0.98
2.20
22.97%
7.79%
5.48%
1.42%
1.65%
1.66%
94.48%
1.16
96.71%
0.23
0.94
0.17
2011

(Thousand Rupees)
2009
2010
2011
1,147,792
1,276,119
1,436,138
1,200,000
1,200,000
1,200,000
(52,208)
76,119
236,138
(4,949)
1,592
87,294
18,013
24,105
18,316
4,488
2,112
2,507
13,525
21,993
15,809
1,160,856
1,301,816
1,541,748
144,241
292,188
42,186
992,205
985,810
1,465,941
24,410
23,818
33,621
(117,193)
289,304
254,036
64,797
72,337
89,560
46,319
60,298
56,620
(129,163)
111,298
107,302
(99,146)
54,564
12,054
(9,193)
(11,500)
38,698
40,977
28,017
32,550
31,114
28,069
1,356
1,504
1,596
2,670
826
509
2,122
7,533
(2,157)
(155,891)
248,327
226,019
120,000
120,000
120,000
0.00
0.16
0.18
0.00
0.00
0.00
249,207
260,050
182,020
194.81%
54.15%
42.46%
0.00
0.00
0.00
133.02%
85.84%
88.97%
-13.43%
19.08%
14.66%
84.11%
75.93%
100.19%
10.00
10.00
10.00
-1.30
2.07
1.88
12.43%
22.44%
2.74%
1.55%
1.85%
1.19%
103.37%
92.18%
77.83%
-1.60
1.05
0.81
2011

(Thousand Rupees)
2009
2010
2011
721,808
671,964
757,930
1,000,000
1,000,000
1,000,000
(278,192)
(328,036)
(242,070)
6,197
8,277
8,661
15,383
10,869
3,595
2,904
3,735
5,066
12,479
7,134
730,469
693,544
777,076
24,985
126,688
171,524
625,517
557,838
597,937
79,967
9,018
7,615
(261,998)
136,606
130,014
27,373
37,880
38,778
31,339
28,629
24,129
(177,579)
(79,417)
(47,055)
(94,701)
149,514
114,162
(48,430)
27,558
36,450
44,048
22,832
24,423
22,689
810
773
634
3,025
5,776
20,015
891
5,478
710
(289,556)
100,156
85,966
100,000
100,000
100,000
0.00
0.15
0.09
0.00
0.00
0.00
(41,409)
216,295
45,608
122.41%
51.31%
51.62%
0.00
0.00
0.00
110.52%
73.32%
66.12%
-39.64%
14.44%
11.06%
82.85%
0.67
51.51%
10.00
10.00
10.00
-2.90
1.00
0.86
3.42%
18.27%
22.07%
1.19%
2.22%
0.01
1.37
144.19%
128.69%
0.14
2.16
0.53
2011

(Thousand Rupees)
2009
2010
2011
859,159
925,613
1,059,643
1,000,000
1,000,000
1,000,000
(140,841)
(74,387)
59,643
12,126
12,738
19,130
2,148
2,314
1,850
9,978
10,424
17,280
871,285
938,351
1,078,773
48,431
37,179
77,090
811,465
897,764
994,036
11,389
3,408
7,647
(111,597)
160,159
326,671
7,138
13,551
10,600
69,072
46,631
88,847
(39,530)
(71,109)
20,660
(148,277)
171,086
206,564
29,807
41,328
36,844
21,525
29,382
27,079
1,049
1,259
1,323
5,090
8,731
6,022
2,143
1,956
2,420
(141,404)
118,831
289,827
100,000
100,000
100,000
0.00
0.10
0.28
0.00
0.00
0.00
(10,768)
37,740
188,598
168.29%
62.42%
69.56%
0.00
0.00
0.00
126.71%
0.74
88.72%
-16.23%
12.66%
26.87%
72.21%
71.09%
0.74
10.00
10.00
10.00
-1.41
1.19
2.90
5.56%
3.96%
7.15%
1.39%
1.36%
1.77%
114.77%
106.57%
0.93
0.08
0.32
0.65
2011

(Thousand Rupees)
2009
2010
2011
3,530,357
3,944,740
4,764,800
2,835,000
2,835,000
2,835,000
989,777
1,419,467
1,395,722
(294,420)
(309,727)
534,078
2,990,500
2,992,500
2,992,500
103,569
196,762
184,318
10,871
11,562
12,929
92,698
185,200
171,389
6,624,426
7,134,002
7,941,618
296,840
246,157
453,731
6,281,453
6,802,156
7,367,007
46,133
85,689
120,880
(2,176,540)
769,108
1,420,959
53,639
101,587
65,146
442,192
244,075
460,178
(673,200)
(480,082)
44,791
(2,013,978)
903,509
850,844
14,807
19
166,411
206,156
198,326
134,143
151,707
155,191
4,729
5,168
5,255
23,209
44,978
33,501
4,330
4,303
4,379
(2,342,951)
562,952
1,222,633
283,500
283,500
283,500
0.00
0.20
0.38
0.00
0.00
0.00
(281,691)
511,400
560,007
122.78%
55.06%
63.03%
0.00
0.00
0.00
107.65%
0.73
86.04%
-35.37%
7.89%
0.15
80.61%
73.59%
78.25%
10.00
10.00
10.00
-8.26
1.99
4.31
4.48%
3.45%
5.71%
1.56%
2.76%
2.32%
0.43
39.74%
0.36
0.12
0.91
0.46
2011
(Thousand Rupees)
2009
2010
2011
1,677,360
1,828,357
2,072,994
2,841,250
2,841,250
2,841,250
225
225
225
(1,164,115)
(1,013,118)
(768,481)
1,334,801
1,499,878
1,499,300
74,919
150,225
120,220
5,020
5,547
5,954
69,899
144,678
114,266
3,087,080
3,478,460
3,692,514
195,804
187,823
238,064
2,852,840
3,248,518
3,376,328
38,436
42,119
78,122
(1,187,175)
402,586
709,473
28,938
58,058
36,871
194,800
126,913
216,046
(401,392)
(269,243)
(389)
(1,017,195)
486,850
456,945
7,674
80,206
103,545
97,438
62,426
71,816
71,887
2,748
3,029
3,032
11,700
24,805
17,736
3,332
3,895
4,783
(1,267,381)
299,041
612,035
284,125
284,125
284,125
0.00
0.10
0.20
0.00
0.00
0.00
(227,214)
133,363
401,816
118.85%
54.05%
64.35%
0.00
0.00
0.00
106.76%
74.28%
86.27%
-41.05%
0.09
16.58%
77.83%
69.36%
73.78%
10.00
10.00
10.00
-4.46
1.05
2.15
6.34%
0.05
6.45%
2.43%
4.32%
3.26%
92.04%
81.68%
76.95%
0.18
0.45
0.66
2011

(Thousand Rupees)
2009
2010
2011
1,120,468
1,128,690
1,136,053
1,000,000
1,000,000
1,000,000
120,468
128,690
136,053
(36,810)
(16,272)
(11,255)
7,614
9,206
10,737
6,024
3,438
2,773
1,590
5,768
7,964
1,091,272
1,121,624
1,135,535
25,386
317,413
347,618
1,019,328
778,421
760,974
46,558
25,790
26,943
126,464
131,176
96,974
153,722
142,207
110,253
(13,140)
(9,329)
(17,329)
(14,262)
(1,702)
4,050
144
19,746
26,904
20,499
13,342
13,478
13,386
1,328
1,338
1,332
108
210
277
4,759
7,531
3,265
209
4,347
2,239
106,718
104,272
76,475
100,000
100,000
100,000
9.61%
10.38%
10.17%
0.00
0.00
0.00
(114,209)
388,077
133,975
-21.55%
-8.41%
-13.69%
0.00
0.00
0.00
84.39%
79.49%
78.86%
9.78%
0.09
6.73%
67.57%
0.50
0.65
10.00
10.00
10.00
1.07
1.04
0.76
2.33%
0.28
30.61%
0.01
0.82%
0.95%
91.64%
89.16%
88.06%
-1.07
3.72
1.75
2011

(Thousand Rupees)
2009
2010
2011
533,528
682,498
661,979
544,500
544,500
544,500
(6,435)
33,000
33,000
(4,537)
104,998
84,479
1,934
2,252
2,338
915
1,129
1,118
1,019
1,123
1,220
535,462
684,750
664,317
1,381
100,373
995
529,901
579,764
658,398
4,180
4,613
4,924
(170,271)
130,886
95,835
1,731
389
12,249
24,816
18,558
27,177
3,566
(112,820)
148,272
45,539
(89,352)
(47,083)
10,845
1,788
10,750
25
55,308
21,351
17,255
11,812
14,119
13,800
804
687
613
573
671
656
41,950
5,864
2,186
169
10
(225,579)
109,535
78,580
54,450
54,450
54,450
0.00
0.18 -
0.00
0.00 -
(9,069)
98,992
(99,378)
115.59%
85.52%
58.86%
-2.09%
0.00
0.00
132.48%
83.69%
0.82
-42.13%
0.16
11.83%
21.36%
66.13%
79.98%
10.00
10.00
10.00
-4.14
2.01
1.44
0.26%
14.66%
0.15%
0.36%
0.33%
0.35%
101.69%
79.52%
81.96%
0.04
0.90
-1.26
7.70%
7.60%
7.50%
7.30%
7.10%
7.10%
6.90%
6.70%
Total Liabilities
Total Assets
13.0
24.5
13.9
26.3
7.10%
7.60%
Gross Revenue
1.3
reased from Rs 781 million in FY10 to Rs 1.3 billion in
ROCE
5.31%
ROE
0%
2%
4%
2011
(Thousand Rupees)
2009
2010
2011
11,014,186
11,441,371
12,308,302
8,439,418
8,439,418
8,746,250
3,579,654
4,222,106
4,751,287
(1,004,886)
(1,220,153)
(1,189,235)
(43,741)
47,715
113,519
12,310,898
13,003,729
13,921,260
7,945,306
9,445,827
10,277,443
6%
4,365,592
3,557,902
3,643,817
23,281,343
24,492,815
26,343,081
9,934,333
11,249,647
11,460,568
1,075,987
1,171,444
1,567,692
8,858,346
10,078,203
9,892,876
13,347,010
13,243,168
14,882,513
7,011,209
9,303,864
10,602,835
4,132,080
2,257,698
2,793,799
2,203,721
1,681,606
1,485,879
7,047,368
5,308,306
5,917,634
2,237,073
1,246,196
1,343,354
4,810,295
4,065,640
4,574,280
60,712
38,345
79,693
1,321,320
799,640
1,395,418
1,309,424
780,586
1,305,190
944,558
925,557
956,240
N/A
N/A
N/A
N/A
N/A
N/A
1,786,670
2,283,871
3,369,740
11.89%
6.82%
0.11
8.62%
5.31%
8.69%
5.62%
3.19%
4.95%
18.58%
0.15
22.06%
170.84%
159.65%
102.92%
2.71%
3.08%
5.93%
1.39
0.84
1.36
1.25
1.19
1.12
0.53
0.53
0.53
17.75%
9.22%
10.61%
47.31%
46.71%
46.72%
11.66
12.36
12.87
1.36
2.93
2.58
0.22
0.24
0.33
2011

(Thousand Rupees)
2009
2010
2011
211,447
199,045
178,889
184,240
184,240
184,240
55,453
55,964
55,964
(28,246)
(41,159)
(61,315)
512
50,926
49,813
34,163
36,622
39,349
28,061
14,304
10,464
6,102
262,885
248,858
213,052
63,408
78,431
71,328
10,490
1,115
3,237
52,918
77,316
68,091
199,477
170,427
141,724
124,211
131,245
132,728
33,104
22,270
42,162
16,912
8,996
30,258
61,498
85,484
39,655
68,743
79,468
(9,397)
(7,245)
6,016
(22,287)
(12,913)
(20,015)
(22,287)
(12,913)
(20,155)
18,242
18,242
18,242
0.00
0.00
0.00
0.00
0.00
0.00
(45,403)
12,776
20,887
-10.54%
-6.49%
-11.27%
-9.85%
-6.16%
-10.82%
-8.48%
-5.19%
-9.46%
-73.66%
-0.21
-23.58%
-177.93%
-532.35%
-394.28%
0.00
0.00
0.00
-1.22
-0.71
-1.10
1.73
1.99
2.54
0.19
0.20
0.16
12.59%
8.95%
0.00
80.43%
79.98%
83.96%
11.59
10.91
9.81
2.04
-0.99
-1.04
-1.24
0.32
0.74
2011

(Thousand Rupees)
2009
2010
2011
296,968
308,442
328,213
210,000
210,000
210,000
80,970
83,677
96,334
5,998
14,765
21,879
(17,272)
(1,568)
(2,073)
21,844
23,995
23,293
13,418
17,674
17,560
8,426
6,321
5,733
301,540
330,869
349,433
204,296
253,921
264,975
24,483
11,400
50,284
179,813
242,521
214,691
97,244
76,948
84,458
42,064
43,338
34,944
29,295
18,598
20,767
25,885
15,012
28,747
65,620
41,055
43,387
11,722
13,925
19,473
53,898
49,968
23,914
508
(34,053)
4,572
11,267
30,047
4,205
11,035
29,892
21,000
21,000
21,000
0.00
0.05
0.08
0.00
0.00
0.00
74,367
(9,158)
59,273
1.42%
3.58%
9.11%
1.59%
0.04
9.05%
1.39%
3.34%
8.55%
6.41%
26.88%
0.69
278.76%
126.19%
65.14%
4.33%
0.00
-174.87%
0.20
0.53
1.42
15.23
14.37
15.09
0.07
0.07
0.07
9.72%
5.62%
5.94%
98.48%
93.22%
93.93%
14.14
14.69
15.63
17.69
-0.83
1.98
5.54
-0.52
3.38
2011
(Thousand Rupees)
2009
2010
2011
871,680
1,059,652
1,212,946
600,000
600,000
600,000
177,942
316,928
461,075
93,738
142,724
151,871
90,000
90,000
90,000
311,177
361,219
807,850
203,400
316,634
658,070
107,777
44,585
149,780
1,272,857
1,510,871
2,110,796
182,703
204,600
228,460
34,979
87,624
61,489
147,724
116,976
166,971
1,090,154
1,306,271
1,882,336
980,382
1,219,700
1,226,722
83,642
69,678
597,409
26,130
16,893
58,205
633,335
829,397
1,033,739
383,415
491,197
654,912
249,920
338,200
378,827
8,597
7,392
176,141
277,973
288,294
176,141
277,973
288,294
60,000
60,000
60,000
0.15
0.23
0.23
0.00
0.00
0.25
275,140
530,059
3,373,353
20.21%
26.23%
23.77%
16.47%
23.28%
19.85%
13.84%
0.18
13.66%
27.81%
33.52%
27.89%
217.68%
176.71%
227.17%
0.00
1.75%
1.13%
2.94
4.63
4.80
0.90
0.65
0.35
0.24
0.24
0.38
6.57%
4.61%
0.28
68.48%
70.14%
57.46%
14.53
17.66
20.22
1.56
1.91
11.70
1.35
1.67
5.13
2011

(Thousand Rupees)
2009
2010
2011
91,058
94,461
111,953
68,320
68,320
75,152
16,212
17,232
23,354
6,526
8,909
13,447
557
7,760
15,551
8,688
2,439
4,935
8,521
2,193
1,906
167
246
3,029
100,303
104,660
132,439
99,061
103,685
117,444
15,491
8,008
17,645
83,570
95,677
99,799
1,242
975
14,995
1,202
935
14,955
40
40
40
14,473
11,913
29,489
2,201
2,523
2,955
12,272
9,390
26,534
811
20,369
7,064
5,438
20,369
3,679
3,403
17,491
6,832
6,832
7,515
0.00
0.00
0.15
0.00
0.10
0.00
(1,307)
(13,710)
9,767
4.04%
0.04
15.62%
0.08
5.31%
0.16
3.67%
3.25%
13.21%
25.42%
28.57%
59.31%
59.83%
74.14%
16.89%
36.85%
0.00
689.31%
0.54
0.50
2.33
11.63
47.28
61.62
0.09
0.02
0.04
0.04%
0.04%
0.03%
90.78%
90.26%
84.53%
13.33
13.83
14.90
-0.36
-4.03
0.56
-0.15
-6.25
5.12
2011
(Thousand Rupees)
2009
2010
2011
823,262
662,028
703,731
780,462
780,462
780,462
544,522
544,522
565,374
(501,722)
(662,956)
(642,105)
(82,842)
(29,134)
28,952
2,266,700
3,010,180
2,234,116
1,104,517
1,976,529
1,085,777
1,162,183
1,033,651
1,148,339
3,007,120
3,643,074
2,966,799
1,032,099
1,750,439
1,180,460
66,288
105,242
121,699
965,811
1,645,197
1,058,761
1,975,021
1,892,635
1,786,339
505,989
289,635
578,976
163,297
593,777
529,731
1,305,735
1,009,223
677,632
557,006
631,419
614,992
99,113
102,281
109,303
457,893
508,827
505,689
4,728
502,748
(161,234)
41,703
502,748
(161,234)
41,703
78,046
78,046
78,046
0.00
0.00
0.03
0.00
0.00
0.00
497,007
421,836
321,609
61.07%
-24.35%
5.93%
26.42%
-9.67%
2.22%
16.72%
-4.43%
1.41%
90.26%
-25.54%
6.78%
19.71%
-63.44%
2.62
0.00
0.00
4.33%
6.44
-2.07
0.53
0.93
0.89
1.09
0.75
0.83
0.75
5.43%
0.16
17.86%
27.38%
18.17%
23.72%
10.55
8.48
9.02
0.99
-2.62
7.71
0.45
0.21
0.30
2011

(Thousand Rupees)
2009
2010
2011
65,069
67,185
69,592
64,625
64,625
64,625
5,928
6,350
6,832
(5,484)
(3,790)
(1,865)
6,277
7,254
4,386
6,277
7,254
4,063
323
71,346
74,439
73,978
38,238
41,369
40,881
86
240
1,084
38,152
41,129
39,797
33,108
33,070
33,097
108
70
39
33,000
33,000
33,000
58
3,854
7,347
7,271
4,227
4,903
5,874
(373)
2,444
1,397
2,719
(4,987)
2,223
(247)
(4,987)
2,118
(66)
6,462
6,462
6,462
0.00
0.00
0.00
0.00
0.00
0.00
7,897
162
1,929
-7.66%
3.15%
-0.09%
-7.66%
3.31%
-0.35%
-6.99%
2.85%
-0.09%
-1.29
28.83%
-0.91%
-84.76%
231.49%
-89.00
0.00
0.00
46.29%
-0.77
0.33
-0.01
6.09
5.70
10.06
0.09
0.10
0.06
46.25%
44.33%
44.61%
0.91
90.26%
94.07%
10.07
10.40
10.77
-1.58
0.08
-29.23
1.26
0.02
0.47
2011

(Thousand Rupees)
2009
2010
2011
110,902
115,926
118,552
200,000
200,000
200,000
5,438
7,950
10,463
(94,536)
(92,024)
(91,911)
(630)
(896)
(1,001)
23,179
44,101
30,688
23,179
43,951
24,510
150
6,178
133,451
159,131
148,239
133,451
134,649
96,730
16,490
20,812
20,645
116,961
113,837
76,085
24,482
51,509
2,285
25,864
22,197
25,645
4,218
13,528
16,842
1,919
5,983
5,242
2,299
9,085
11,600
570
1,762
5,024
5,026
1,762
5,024
5,026
20,000
20,000
20,000
0.00
0.01
0.01
0.00
0.00
0.00
32,502
19,282
6,683
1.59%
4.33%
4.24%
0.02
4.36%
4.06%
1.32%
3.16%
3.39%
41.77%
37.14%
29.84%
108.91%
119.09%
1.04
0.00
0.00
10.87%
0.09
0.25
0.25
5.76
3.06
3.95
0.17
0.28
0.21
0.00
13.95%
0.17
0.83
72.85%
79.97%
5.55
5.80
5.93
18.45
3.84
1.33
1.40
0.44
0.27
2011

(Thousand Rupees)
2009
2010
2011
112,550
117,680
124,042
113,400
113,400
113,400
(850)
4,280
10,642
32,568
37,344
44,098
14,290
15,150
9,358
18,278
22,194
34,740
145,118
155,024
168,140
47,099
49,915
59,789
10,439
6,480
16,825
36,660
43,435
42,964
98,019
105,109
108,351
1,620
1,758
2,969
21,057
20,679
12,274
75,342
82,672
93,108
41,064
48,178
53,703
11,123
12,864
15,048
29,941
35,314
38,655
766
979
6,893
7,320
8,812
6,893
7,320
8,812
11,340
11,340
11,340
0.05
0.05
0.06
0.00
0.00
0.00
1,332
(6,079)
9,187
6.12%
6.22%
0.07
5.27%
5.23%
5.55%
4.75%
4.72%
5.24%
16.79%
15.19%
16.41%
161.37%
175.74%
170.77%
6.89%
0.00
6.51%
0.61
0.65
0.78
3.30
3.29
6.39
0.22
0.24
0.26
14.51%
13.34%
0.07
77.56%
75.91%
73.77%
9.93
10.38
10.94
0.19
-0.83
1.04
0.09
-0.40
0.98
2011
(Thousand Rupees)
2009
2010
2011
544,464
547,821
562,818
524,400
524,400
524,400
75,689
74,975
75,156
(55,625)
(51,554)
(36,738)
46,040
39,126
50,839
45,035
37,729
49,232
1,005
1,397
1,607
590,504
586,947
613,657
232,708
232,002
257,776
10,757
20,183
57,258
221,951
211,819
200,518
357,796
354,945
355,881
15,189
19,051
18,580
278,917
278,133
280,390
63,690
57,761
56,911
22,801
25,877
17,888
20,946
23,136
16,568
1,855
2,741
1,320
346
(591)
240,335
146
(714)
180,251
52,440
52,440
52,440
0.00
0.00
0.00
0.00
0.00
0.00
(30,679)
13,607
17,511
0.03%
-0.13%
32.03%
0.06%
-0.11%
42.58%
0.02%
-0.12%
29.37%
0.64%
-2.76%
1007.66%
14346.58%
-3240.34%
9.19%
0.00
0.00
0.00
0.00
-0.01
3.44
5.17
6.15
5.24
0.08
0.07
0.08
47.23%
47.39%
45.69%
0.92
93.33%
91.72%
10.38
10.45
10.73
-210.13
-19.06
0.10
-0.68
0.36
0.36
2011

(Thousand Rupees)
2009
2010
2011
326,707
325,202
335,186
264,138
264,138
264,138
61,914
72,258
75,297
655
(11,194)
(4,249)
131,052
107,665
40,043
69,246
86,547
30,428
61,806
21,118
9,615
457,759
432,867
375,229
105,432
199,227
136,244
5,469
13,405
16,490
99,963
185,822
119,754
352,327
233,640
238,985
105,765
75,272
29,776
59,881
4,574
106,403
186,681
153,794
102,806
71,449
55,884
71,466
21,077
18,438
20,746
50,372
37,446
50,720
984
(2,580)
(11,530)
8,680
(2,274)
(11,849)
8,680
26,413
26,413
26,413
0.00
0.00
0.00
0.00
0.00
0.00
15,893
24,329
(45,926)
-0.01
-3.64%
2.59%
-0.66%
-3.33%
2.52%
-0.01
-2.74%
2.31%
-3.18%
-0.21
12.15%
-926.87%
-155.61%
239.01%
0.00
0.00
4.74%
-0.09
-0.45
0.33
1.52
2.30
4.48
0.29
0.25
0.11
13.08%
1.06%
28.36%
71.37%
75.13%
89.33%
12.37
12.31
12.69
-6.99
-2.05
-5.29
0.23
0.28
-1.51
2011

(Thousand Rupees)
2009
2010
2011
102,508
112,178
116,951
30,000
30,000
30,000
49,329
55,043
60,558
23,179
27,135
26,393
83,809
112,811
199,437
76,989
104,671
190,541
6,820
8,140
8,896
186,317
224,989
316,388
180,878
216,965
310,020
48,054
6,888
17,555
132,824
210,077
292,465
5,439
8,024
6,368
5,248
7,535
6,034
191
489
334
58,779
78,068
92,555
22,507
25,521
29,425
36,272
52,547
63,130
2,607
5,360
29,982
48,341
54,192
22,065
28,570
27,573
3,000
3,000
3,000
0.63
0.76
0.74
0.00
0.00
0.00
13,745
(40,221)
5,787
21.53%
25.47%
23.58%
27.42%
40.18%
43.06%
11.84%
0.13
8.71%
37.54%
0.37
29.79%
1.02
89.33%
106.72%
11.58%
0.00
18.22%
7.36
9.52
9.19
2.35
2.07
1.63
0.45
0.50
0.63
0.00
0.00
0.00
55.02%
49.86%
36.96%
34.17
37.39
38.98
0.62
-1.41
0.21
0.18
-0.38
0.03
2011

(Thousand Rupees)
2009
2010
2011
621,226
647,617
677,068
397,072
397,072
397,072
224,154
250,545
279,996
205,939
116,413
132,543
120,604
48,682
53,523
85,335
67,731
79,020
827,165
764,030
809,611
69,097
168,824
206,987
4,073
25,003
21,639
65,024
143,821
185,348
758,068
595,206
602,624
757,915
543,875
492,809
51,179
99,179
153
152
10,636
497,327
405,588
312,872
9,522
10,233
11,926
487,805
395,355
300,946
2,198
7,952
19,779
44,976
71,567
19,779
44,976
71,567
39,707
39,707
39,707
0.05
0.11
0.13
0.00
0.00
0.00
334,985
287,475
87,655
3.18%
6.94%
10.57%
0.03
6.29%
9.47%
2.39%
5.89%
8.84%
3.98%
11.09%
22.87%
48.14%
22.75%
16.66%
23.08%
0.00
66.68%
0.50
1.13
1.80
0.57
3.47
3.87
0.25
0.15
0.16
0.00
0.07
12.25%
0.75
84.76%
83.63%
15.65
16.31
17.05
16.94
6.39
1.22
2.78
5.91
1.64
2011
(Thousand Rupees)
2009
2010
2011
2,618,148
2,892,195
3,059,624
1,008,000
1,008,000
1,008,000
1,407,211
1,668,921
1,825,693
202,937
215,274
225,931
663,054
885,692
1,015,590
527,696
728,545
820,814
135,358
157,147
194,776
3,281,202
3,777,887
4,075,214
1,163,360
1,302,277
1,531,467
302,136
212,337
161,528
861,224
1,089,940
1,369,939
2,117,842
2,475,610
2,543,747
2,103,719
2,435,300
2,372,955
80
32,291
162,256
14,043
8,019
8,536
1,666,234
317,651
346,280
1,357,193
47,817
55,711
309,041
269,834
290,569
27,068
29,713
30,880
243,613
267,421
277,922
243,613
267,421
277,922
201,600
201,600
201,600
0.20
0.21
0.22
0.00
0.00
0.00
805,462
(102,404)
129,830
0.09
9.25%
9.08%
8.85%
8.77%
8.54%
7.42%
7.08%
6.82%
14.62%
84.19%
80.26%
557.11%
17.88%
20.05%
1.99%
62.14%
55.43%
1.21
1.33
1.38
2.20
1.79
1.87
0.20
0.23
0.25
0.00
0.85%
3.98%
79.79%
76.56%
75.08%
12.99
14.35
15.18
3.31
-0.38
0.47
1.53
-0.14
0.16
2011

(Thousand Rupees)
2009
2010
2011
239,066
247,982
233,174
201,875
201,875
201,875
31,892
39,142
39,172
5,299
6,965
(7,873)
130,802
131,900
50,131
126,999
127,681
40,762
3,803
4,219
9,369
369,868
379,882
283,305
307,893
338,249
178,738
1,144
1,058
1,976
306,749
337,191
176,762
61,975
41,633
104,567
22,935
4,248
2,777
7,809
38,857
31,231
37,385
62,933
34,037
60,205
37,784
13,474
40,739
15,158
20,563
19,466
22,626
183
1,644
2,082
(8,782)
1,644
2,082
(8,782)
20,188
20,188
20,188
0.03
0.03
0.00
0.00
0.00
0.00
9,496
3,804
63,546
0.69%
0.84%
-3.77%
0.68%
0.83%
-3.62%
0.44%
0.55%
-0.03
4.83%
3.46%
-23.24%
819.59%
1956.72%
-1.73
1.36%
0.00
0.00
0.08
0.10
-0.44
2.42
2.65
4.38
0.35
0.35
0.18
2.11%
0.00
13.72%
64.64%
65.28%
0.82
11.84
12.28
11.55
5.78
1.83
-7.24
0.07
0.03
1.56
2011
(Thousand Rupees)
2009
2010
2011
258,322
275,418
307,639
282,744
282,744
282,744
11,938
20,486
40,555
(36,360)
(27,812)
(15,660)
(665)
185,191
678,915
806,234
159,906
665,904
633,387
25,285
13,011
172,847
443,513
953,668
1,113,873
302,421
762,537
801,245
128,714
59,225
109,829
173,707
703,312
691,416
141,092
191,131
312,628
7,643
8,089
10,534
17,020
19,342
18,959
116,429
163,700
283,135
41,990
87,645
161,081
18,118
24,895
34,102
23,872
62,690
126,979
1,780
4,460
16,023
17,096
40,139
16,023
17,096
40,139
28,274
28,274
28,274
0.00
0.03
0.06
0.00
0.00
0.00
(4,931)
(529,121)
(27,481)
0.06
6.21%
13.05%
5.65%
5.94%
8.35%
3.61%
1.79%
0.04
38.16%
19.51%
24.92%
113.07%
145.62%
84.96%
9.82%
0.00
13.08%
0.57
0.60
1.42
1.89
1.15
1.27
0.42
0.71
0.72
3.84%
2.03%
0.02
58.24%
28.88%
27.62%
9.14
9.74
10.88
-0.31
-30.95
-0.68
-0.03
-0.79
-0.04
2011

(Thousand Rupees)
2009
2010
2011
305,305
331,540
337,139
250,000
250,000
250,000
27,061
32,308
38,428
28,244
49,232
48,711
(16,822)
2,121,959
1,429,718
1,830,434
1,410,556
1,153,656
1,310,168
711,403
276,062
520,266
2,410,442
1,761,258
2,167,573
1,450,753
1,024,130
1,263,771
13,879
5,019
8,140
1,436,874
1,019,111
1,255,631
959,689
737,128
903,802
211,516
420,938
727,257
748,173
314,887
175,019
1,303
1,526
352,479
370,064
473,558
66,634
134,157
15,695
285,845
235,907
457,863
1,197
3,400
10,775
26,234
30,600
10,775
26,234
30,600
25,001
25,000
25,000
0.00
0.10
0.10
0.00
0.00
0.00
(398,408)
833,512
240,594
3.53%
7.91%
9.08%
1.08%
4.32%
3.57%
0.45%
1.49%
1.41%
3.06%
7.09%
6.46%
618.41%
511.39%
51.29%
0.02
0.00
21.66%
0.43
1.05
1.22
1.03
0.89
0.96
0.88
0.81
0.84
31.04%
17.88%
8.07%
12.67%
18.82%
15.55%
12.21
13.26
13.49
-36.98
31.77
7.86
-0.28
0.72
0.18
2011

(Thousand Rupees)
2009
2010
2011
59,416
66,313
75,983
125,400
125,400
125,400
15,466
18,225
20,911
(81,450)
(77,312)
(70,328)
4,784
5,373
5,943
4,175
4,939
5,478
609
434
465
64,200
71,686
81,926
60,771
69,968
79,970
1,532
37,759
49,282
59,239
32,209
30,688
3,429
1,718
1,956
124
1,475
1,691
3,305
243
265
3,574
9,328
8,831
3,579
4,646
4,777
(5)
4,682
4,054
(766)
(1,498)
33,498
6,396
13,483
33,498
6,897
13,432
12,540
12,540
12,540
0.00
0.03
0.04
0.00
0.00
0.00
(45,608)
19,167
11,997
56.38%
0.10
17.68%
55.81%
9.58%
17.64%
52.18%
9.62%
0.16
937.27%
73.94%
1.52
10.68%
67.36%
35.56%
0.00
-16.49%
-31.36%
2.67
0.55
1.07
14.56
14.17
14.60
0.07
0.07
0.07
0.00
0.00
0.00
92.55%
0.93
92.75%
4.74
5.29
6.06
-1.36
2.78
0.89
-10.92
3.88
2.19
2011

(Thousand Rupees)
2009
2010
2011
118,845
126,764
144,005
58,633
58,633
58,633
50,277
56,127
50,323
9,935
12,004
35,049
108,391
121,778
101,430
92,633
103,623
61,614
15,758
18,155
39,816
227,236
248,542
245,435
141,753
184,095
131,820
17,113
30,310
3,585
124,640
153,785
128,235
85,483
64,447
113,615
59,510
29,104
31,584
22,847
35,340
82,024
3,126
39,194
28,356
38,914
6,679
14,476
18,562
32,515
13,880
20,352
2,011
1,440
18,098
16,713
27,796
18,098
16,713
27,796
5,863
5,863
5,863
0.15
0.18
0.24
0.00
0.00
0.00
25,305
19,587
(16,004)
15.23%
13.18%
0.19
13.45%
11.53%
15.12%
7.96%
6.72%
11.33%
46.18%
58.94%
71.43%
0.37
86.62%
66.78%
30.11%
0.00
7.76%
3.09
2.85
4.74
1.53
1.78
2.14
0.48
0.49
0.41
10.05%
14.22%
33.42%
0.52
0.51
58.67%
20.27
21.62
24.56
1.40
1.17
-0.58
0.27
0.19
-0.26
2011

(Thousand Rupees)
2009
2010
2011
601,944
505,488
512,997
872,177
872,177
872,177
113,586
120,245
126,899
(383,819)
(486,934)
(486,079)
151,660
64,478
59,127
90,195
45,412
32,278
61,465
19,066
26,849
753,604
569,966
572,124
498,192
430,375
462,482
161,758
288,557
294,764
336,434
141,818
167,718
255,412
139,591
109,642
1,877
85,179
66,500
6,809
7,277
7,721
246,726
47,135
35,421
148,549
87,636
87,176
17,934
52,994
42,847
130,615
34,642
44,329
4,653
3,697
41,788
32,835
33,270
41,455
33,293
33,270
87,218
87,218
87,218
0.00
0.03
0.03
0.00
0.00
0.00
(17,336)
90,373
62,649
6.89%
6.59%
6.49%
0.06
6.26%
6.16%
0.06
5.84%
5.82%
27.91%
37.99%
38.16%
43.26%
159.17%
128.79%
25.95%
0.00
8.63%
0.48
0.38
0.38
5.52
9.48
14.33
0.20
0.11
0.10
0.01
1.28%
1.35%
79.88%
88.69%
89.67%
6.90
5.80
5.88
-0.42
2.71
1.88
-0.19
1.99
1.94
2011
(Thousand Rupees)
2009
2010
2011
362,998
370,029
296,446
340,200
340,200
340,200
110,683
114,199
114,199
(87,885)
(84,370)
(157,953)
2,683,043
2,295,069
2,331,908
1,350,630
1,188,896
2,137,496
1,332,413
1,106,173
194,412
3,046,041
2,665,098
2,628,354
1,318,999
1,143,033
1,344,489
26,434
42,247
182,411
1,292,565
1,100,786
1,162,078
1,727,042
1,522,065
1,283,865
1,633,185
1,447,816
1,198,450
38,032
19,553
38,722
55,825
54,696
46,693
1,127,458
990,266
853,732
24,129
26,650
32,608
1,103,329
963,616
821,124
90,829
7,031
(70,182)
90,829
7,031
(70,182)
34,020
34,020
34,020
0.00
0.01
0.00
0.00
0.00
0.00
488,814
317,145
90,069
25.02%
0.02
-23.67%
5.36%
0.48%
-0.14
2.98%
0.26%
-2.67%
8.06%
0.71%
-8.22%
26.57%
379.04%
-46.46%
0.00
0.00
0.00
2.67
0.21
-2.06
0.98
0.96
0.63
0.88
0.86
0.89
1.25%
0.73%
1.47%
11.92%
13.88%
11.28%
10.67
10.88
8.71
5.38
45.11
-1.28
0.36
0.27
0.04
2011
(Thousand Rupees)
2009
2010
2011
923,617
928,614
938,070
453,835
453,835
453,835
372,313
388,289
405,611
97,469
86,490
78,624
2,513,566
2,676,451
3,223,039
2,052,797
2,317,417
2,844,695
460,769
359,034
378,344
3,437,183
3,605,065
4,161,109
1,022,736
1,131,602
774,051
42,742
77,804
22,378
979,994
1,053,798
751,673
2,414,447
2,473,463
3,387,058
3,650
1,953,662
2,968,010
2,410,797
519,601
418,446
200
602
513,324
850,201
1,121,884
41,354
46,744
53,315
471,970
802,980
1,068,569
11,544
9,819
103,899
79,880
86,607
103,899
79,880
86,607
45,383
45,383
45,383
0.17
0.17
17.25%
0.00
0.00
0.00
(84,021)
251,783
(638,235)
11.25%
0.09
9.23%
7.51%
0.06
6.58%
3.02%
2.22%
2.08%
20.24%
0.09
7.72%
0.40
58.52%
61.56%
27.92%
0.00
18.42%
2.29
1.76
1.91
0.50
0.49
0.27
0.73
0.74
0.77
70.14%
14.41%
10.06%
26.87%
25.76%
22.54%
20.35
20.46
20.67
-0.81
3.15
-7.37
-0.04
0.11
-0.22
2011

(Thousand Rupees)
2009
2010
2011
428,285
476,801
878,189
500,000
500,000
800,000
24,258
85,872
(71,715)
(47,457)
(7,683)
327,498
471,211
550,453
327,498
264,521
93,342
206,690
457,111
755,783
948,012
1,428,642
525,747
609,334
1,075,593
64,775
38,627
58,762
460,972
570,707
1,016,831
230,036
338,678
353,049
229,996
323,704
341,557
40
14,974
11,492
965,983
119,001
185,672
28,623
44,722
60,891
937,360
74,279
124,781
(40,507)
48,516
123,228
(40,507)
48,516
123,228
50,000
50,000
80,000
0.00
0.00
0.00
0.00
0.00
0.00
(139,423)
(21,958)
(264,449)
-9.46%
10.18%
14.03%
-9.46%
0.07
9.23%
-5.36%
5.12%
8.63%
-4.19%
40.77%
66.37%
-70.66%
92.18%
49.41%
0.00
0.00
0.00
-0.81
0.97
1.54
1.61
2.30
11.52
0.43
0.50
0.39
0.01%
1.58%
0.01
56.67%
50.29%
61.47%
8.57
9.54
10.98
3.44
-0.45
-2.15
-0.43
-0.08
-2.83
2011

(Thousand Rupees)
2009
2010
2011
211,121
208,545
207,015
211,631
211,631
211,631
28,451
30,053
30,053
(28,961)
(33,139)
(34,669)
(17,269)
(18,267)
(17,707)
22,480
70,768
78,163
22,480
70,768
78,163
216,332
261,046
267,471
128,853
177,207
186,435
113
1,686
1,134
128,740
175,521
185,301
87,479
83,839
81,036
274
244
326
80,426
79,183
79,166
6,779
4,412
1,544
16,303
12,486
2,560
3,772
3,678
4,389
12,531
8,808
(1,829)
1,265
801
11,263
8,006
(1,530)
11,263
8,006
(1,530)
21,163
2,163
2,163
0.05
0.00
0.00
0.00
0.00
0.00
473
(7,715)
(490,103)
5.33%
3.84%
-0.74%
5.81%
4.21%
-0.81%
5.21%
3.07%
-0.57%
69.09%
64.12%
-59.77%
33.49%
45.94%
-286.86%
33.54%
21.78%
0.00
0.53
3.70
-0.71
5.73
2.50
2.39
0.10
0.27
0.29
37.18%
30.33%
0.30
97.59%
79.89%
0.77
9.98
96.41
95.71
0.04
-0.96
320.33
0.02
-0.11
-6.27
2011

(Thousand Rupees)
2009
2010
2011
257,029
279,582
283,389
298,000
298,000
298,000
(40,971)
49,852
60,361
(68,270)
(74,972)
43,023
91,552
93,825
15,551
33,605
27,625
27,472
57,947
66,200
300,052
371,134
377,214
189,713
185,059
191,959
8,161
8,314
16,777
181,552
176,745
175,182
110,339
186,075
185,255
89,797
163,188
166,923
20,328
11,359
11,523
214
11,528
6,809
47,498
59,305
73,690
14,088
8,950
13,703
33,410
50,355
59,987
2,335
33,087
20,451
21,019
33,087
23,397
21,019
29,800
29,800
29,800
0.00
0.05
0.05
0.00
0.00
0.00
56,419
94,764
56,182
12.87%
8.37%
7.42%
11.63%
6.06%
6.01%
11.03%
0.06
5.57%
69.66%
39.45%
28.52%
42.58%
38.25%
65.19%
0.00
0.00
17.04%
1.11
0.79
0.71
12.20
5.51
6.95
0.14
0.25
0.25
6.77%
3.06%
3.05%
85.66%
75.33%
75.13%
8.63
9.38
9.51
1.71
4.05
2.67
3.63
2.82
2.03
2011

(Thousand Rupees)
2009
2010
2011
450,296
474,679
494,865
263,866
263,866
263,866
146,307
161,538
183,426
40,123
49,275
47,573
25
485
(203)
163,626
165,131
165,266
38,470
41,164
35,266
125,156
123,967
130,000
613,947
640,295
659,928
433,941
456,807
466,860
59,740
61,338
250,848
374,201
395,469
216,012
180,006
183,488
193,068
107,290
96,218
149,875
72,642
87,196
42,218
74
74
975
90,164
105,954
146,409
13,804
15,442
19,924
76,360
90,512
126,485
4,121
8,160
37,093
50,768
73,442
37,093
50,768
72,960
26,386
26,386
26,386
0.10
0.13
0.18
0.00
0.00
0.00
(85,684)
73,919
283,764
8.24%
0.11
14.74%
6.45%
8.47%
11.76%
6.04%
7.93%
11.06%
41.14%
47.92%
49.83%
37.21%
30.42%
27.31%
29.85%
0.00
40.96%
1.41
1.92
2.77
11.28
11.10
13.24
0.27
0.26
0.25
11.83%
13.62%
0.06
73.34%
74.13%
74.99%
17.07
17.99
18.75
-2.31
1.46
3.89
-2.23
1.80
8.05
2011

(Thousand Rupees)
2009
2010
2011
1,953
184
(174)
136,400
136,400
136,400
8,739
8,739
8,739
(143,186)
(144,955)
(145,313)
3,622
3,333
3,326
3,622
3,333
3,326
5,575
3,517
3,152
731
947
594
647
763
428
84
184
166
4,844
2,570
2,558
4,844
2,570
2,558
397
456
375
265
539
732
132
(83)
(357)
784
(83)
(357)
784
(457)
(357)
13,640
13,640
13,640
0.00
0.00
0.00
0.00
0.00
0.00
633
657
(334)
40.14%
-248.37%
205.17%
40.14%
-45.11%
205.17%
14.06%
-12.99%
-11.33%
197.48%
-100.22%
-0.95
0.34
-117.94%
-205.04%
0.00
0.00
0.00
0.06
-0.03
-0.03
0.20
billion in CY11 about 14.9
0.28
0.65
0.95
1.06
86.89%
73.07%
81.15%
35.03%
5.23%
-5.52%
0.14
0.01
-0.01
0.81
-1.44
0.94
0.17
0.20
-0.10
8,000
7,000
Y11. Total assets increased to 7.6
0.18
15%
6,000
5,000
4,000
billion in CY10;
3,000
2,000
crease of 5.7 percent. Analysis

1,000
-23%
0
Total
t the exchange companies were
Total Equity
Liabilities
CY 10
5,399.80
1,786.30
CY 11
6,206.30
1,371.10
15%
-23%
50.8 percent of their total assets
ighly liquid assets, i.e., cash and
Growth
Profit Before Taxation
152.9
266.2
CY 11
0.1
0.1
2011
(Thousand Rupees)
2009
2010
2011
4,505,890
5,399,828
6,206,291
4,130,275
4,815,410
5,485,543
25,000
45,000
65,000
350,615
539,418
655,748
50,967
5,355
27,555
1,612,473
1,786,330
1,371,101
1,316,888
1,452,014
1,147,464
295,585
334,316
223,637
6,169,330
7,191,513
7,604,947
4,473,486
5,411,642
5,581,848
2,776,536
3,670,935
3,864,389
1,696,950
1,740,707
1,717,459
1,695,844
1,779,871
2,023,099
631,224
642,596
678,423
1,064,620
1,137,275
1,344,676
1,661,192
1,878,553
2,005,073
1,157,100
1,479,155
1,621,535
426,736
385,979
266,193
281,093
254,525
152,867
217,240
257,754
274,455
N/A
N/A
N/A
N/A
N/A
N/A
691,603
213,222
396,808
6.24%
4.71%
2.46%
8.79%
6.72%
4.12%
4.56%
3.54%
2.01%
2.71
3.83
6.09
1.29
0.99
0.56
45.01%
51.05%
50.81%
3.40
3.73
4.86
26.14%
24.84%
18.03%
73.04%
75.09%
81.61%
20.74
20.95
22.61
2.46
0.84
2.60
0.53
0.15
0.35
2011

(Thousand Rupees)
2009
2010
2011
208,455
211,619
219,742
200,000
200,000
200,000
8,455
11,619
19,742
13,324
113,495
151,143
12,883
110,497
146,762
441
2,998
4,381
221,779
325,114
370,885
160,080
229,909
276,113
151,615
171,084
206,215
8,465
58,825
69,898
61,699
95,205
94,772
4,442
33,090
31,881
57,257
62,115
62,891
52,020
95,228
111,056
43,362
87,977
96,843
6,981
5,420
11,902
4,957
3,164
8,123
20,000
20,000
20,000
0.00
0.00
0.00
0.00
0.00
0.00
(1,468)
57,635
39,335
2.38%
0.02
0.04
3.34%
2.53%
5.31%
2.24%
0.97%
2.19%
6.21
16.23
8.14
0.25
0.16
0.41
68.36%
52.62%
0.56
12.43
2.08
1.88
6.01%
34.91%
40.75%
93.99%
65.09%
59.25%
10.42
10.58
10.99
-0.30
18.22
4.84
-0.11
0.52
0.27
2011

(Thousand Rupees)
2009
2010
2011
198,544
199,585
199,626
200,000
200,000
200,000
(1,456)
(415)
(374)
4,584
4,355
4,137
33,916
23,193
19,894
31,944
21,834
18,439
1,972
1,359
1,455
237,044
227,133
223,657
59,597
61,746
64,771
15,146
7,427
5,400
44,451
54,319
59,371
177,447
165,387
158,886
119,111
113,706
108,886
58,336
51,681
50,000
8,158
5,520
7,556
9,522
8,895
8,721
630
243
(5,084)
154
812
(176)
200
200
200
0.00
0.00
0.00
0.00
0.00
0.00
(7,477)
(7,477)
(1,909)
0.08%
0.41%
-0.09%
0.31%
0.12%
-2.48%
0.06%
0.36%
-0.08%
15.11
36.60
-1.72
0.77
4.06
-0.88
6.39%
3.27%
2.41%
1.87
2.83
3.51
14.31%
10.21%
8.89%
83.76%
87.87%
89.26%
992.72
997.93
998.13
-48.55
-9.21
10.85
-0.23
-0.34
-0.10
2011

(Thousand Rupees)
2009
2010
2011
200,662
201,231
205,015
205,410
205,410
205,410
(4,748)
(4,179)
(395)
788
337
276
788
337
276
201,450
201,568
205,291
141,096
142,001
145,122
140,310
138,737
141,403
786
3,264
3,719
60,354
59,567
60,169
8,776
7,957
7,132
51,578
51,610
53,037
4,712
619
4,477
6,727
(8,068)
(8,616)
1,306
664
2,481
1,306
569
3,783
2,054
2,054
2,054
0.00
0.00
0.00
0.00
4,053
786
2,875
0.65%
0.28%
1.85%
0.65%
0.33%
1.21%
0.65%
0.28%
1.84%
5.15
-12.15
-3.47
0.64
0.28
1.84
69.65%
68.83%
68.88%
179.06
421.37
525.80
0.39%
0.17%
0.13%
99.61%
99.83%
99.87%
97.69
97.97
99.81
3.10
1.38
0.76
5.14
2.33
10.42
2011

(Thousand Rupees)
2009
2010
2011
193,335
195,581
200,000
200,000
(6,665)
(4,419)
31,814
41,601
31,814
41,601
225,149
237,182
172,779
181,454
151,940
175,204
20,839
6,250
52,370
55,728
2,197
5,180
50,173
50,548
2,594
2,410
5,548
4,152
3,455
2,699
2,245
20,000
20,000
0.00
0.00
0.00
0.00
11,478
0.01
1.15%
2.15%
1.77%
0.01
0.95%
0.58
1.61
0.13
0.11
67.48%
73.87%
5.43
4.36
14.13%
17.54%
85.87%
82.46%
9.67
9.78
0.00
5.11
0.00
0.28
2011
94,580
100,000
0
(5,420)
0
574
574
0
95,154
64,947
64,457
490
30,207
4,535
25,672
1,681
6,263
(4,582)
(4,599)
10,000
0.00
0.00
(5,039)
-4.86%
-4.84%
-4.83%
-1.37
-0.46
67.74%
113.15
0.01
0.99
9.46
1.10
-8.78
2011

(Thousand Rupees)
2009
2010
2011
169,434
283,984
297,658
200,000
300,000
300,000
(30,566)
(16,016)
(2,342)
217,859
204,869
18,691
216,159
202,182
16,504
1,700
2,687
2,187
387,293
488,853
316,349
294,820
362,796
176,657
26,990
42,822
61,663
267,830
319,974
114,994
92,473
126,057
139,692
28,715
36,196
50,402
63,758
89,861
89,290
105,399
117,167
143,169
104,130
111,744
135,871
8,713
11,991
15,105
5,558
14,551
13,674
2,000
3,000
3,000
0.00
0.00
0.00
0.00
0.00
0.00
(8,068)
(41,700)
42,723
3.28%
5.12%
4.59%
5.09%
4.18%
5.04%
1.44%
2.98%
4.32%
11.95
9.32
9.00
2.78
4.85
4.56
6.97%
8.76%
19.49%
1.36
1.79
10.70
56.25%
41.91%
5.91%
43.75%
58.09%
94.09%
84.72
94.66
99.22
-1.45
-2.87
3.12
-0.04
-0.21
2.59
2011

(Thousand Rupees)
2009
2010
2011
205,248
206,933
196,669
200,000
200,000
200,000
5,248
6,933
(3,331)
12,343
25,515
4,467
10,343
23,515
1,467
2,000
2,000
3,000
217,591
232,448
201,136
143,503
167,485
134,683
135,273
156,376
67,965
8,230
11,109
66,718
74,088
64,963
66,453
12,592
13,032
14,457
61,496
51,931
51,996
33,191
27,373
17,258
19,658
24,845
24,832
13,515
2,526
(10,059)
12,402
1,685
(10,264)
20,000
20,000
20,000
0.00
0.00
0.00
0.00
0.00
0.00
19,983
13,602
(85,084)
6.04%
0.81%
-5.22%
6.52%
1.21%
-5.04%
0.06
0.72%
-0.05
1.45
9.84
-2.47
0.62
0.08
-0.51
62.17%
67.27%
33.79%
13.87
7.12
91.81
5.67%
10.98%
2.22%
94.33%
89.02%
97.78%
10.26
10.35
9.83
1.61
8.07
8.29
1.93
0.58
-58.00
2011

(Thousand Rupees)
2009
2010
2011
209,851
209,279
210,811
210,000
210,000
210,000
(149)
(721)
811
642
837
813
642
837
813
210,493
210,116
211,624
92,083
103,153
106,807
85,878
100,076
101,810
6,205
3,077
4,997
118,410
106,963
104,817
57,110
54,363
52,217
61,300
52,600
52,600
44,343
40,501
44,163
38,123
40,899
41,809
6,220
(398)
1,997
6,220
(572)
1,532
21,000
21,000
21,000
0.00
0.00
0.00
0.00
0.00
0.00
6,714
6,058
2,746
2.96%
-0.27%
0.73%
2.96%
-0.19%
0.95%
2.95%
-0.27%
0.72%
6.13
-102.76
20.94
0.30
-0.03
0.07
0.41
47.63%
48.11%
143.43
123.24
131.37
0.00
0.00
0.38%
1.00
1.00
99.62%
9.99
9.97
10.04
1.08
-10.59
1.79
10.46
7.24
3.38
2011

(Thousand Rupees)
2009
2010
2011
335,913
365,636
386,019
300,000
300,000
300,000
25,000
45,000
65,000
10,913
20,636
21,019
59,200
71,245
17,124
57,836
69,931
16,048
1,364
1,314
1,076
395,113
436,881
403,143
301,105
342,427
309,252
280,431
322,275
292,911
20,674
20,152
16,341
94,008
94,454
93,891
10,598
12,016
12,425
83,410
82,438
81,466
155,128
114,683
101,574
49,596
57,370
55,800
95,083
44,959
33,145
56,059
29,723
20,382
300
300
300
0.00
0.00
0.00
0.00
0.00
0.00
164,232
45,787
26,630
16.69%
8.13%
5.28%
28.19%
12.25%
8.56%
14.19%
0.07
5.06%
0.52
1.28
1.68
186.86
99.08
67.94
70.97%
73.77%
72.66%
5.21
4.90
19.27
14.98%
16.31%
4.25%
85.02%
83.69%
95.75%
1,119.71
1,218.79
1,286.73
2.93
1.54
1.31
2.84
0.65
1.66
2011

(Thousand Rupees)
2009
2010
2011
259,990
493,422
535,043
214,865
400,000
400,000
45,125
93,422
135,043
10,447
10,603
10,728
10,200
10,079
9,588
247
524
1,140
270,437
504,025
545,771
210,745
388,042
425,978
202,769
310,952
364,116
7,976
77,090
61,862
59,692
115,983
119,793
4,781
10,369
14,151
54,911
105,614
105,642
115,692
127,153
131,400
37,613
52,849
65,781
78,065
74,304
65,618
50,742
48,298
41,621
21,486
40,000
40,000
0.00
0.00
0.00
0.00
0.00
0.00
42,766
(19,391)
59,817
19.52%
9.79%
7.78%
0.30
15.04%
12.24%
18.76%
9.58%
7.63%
0.48
0.71
1.00
2.36
1.21
1.04
74.98%
61.69%
66.72%
20.66
38.50
44.43
3.86%
0.02
1.97%
96.14%
0.98
98.03%
12.10
12.34
13.38
0.84
-0.40
1.44
4.19
-1.92
6.24
2011

(Thousand Rupees)
2009
2010
2011
320,288
375,658
380,614
200,000
200,000
200,000
120,288
175,658
180,614
24,732
34,209
62,222
20,177
27,325
59,657
4,555
6,884
2,565
345,020
409,867
442,836
275,737
328,491
362,069
122,657
166,030
201,968
153,080
162,461
160,101
69,283
81,376
80,767
18,915
31,173
30,037
50,368
50,203
50,730
142,553
189,170
173,700
58,743
99,654
126,355
83,810
89,516
47,087
74,666
70,370
24,965
20,000
20,000
20,000
0.00
0.00
0.00
0.00
0.00
0.00
(17,330)
70,204
60,330
23.31%
18.73%
6.56%
0.26
0.23
12.29%
21.64%
17.17%
5.64%
0.70
1.11
2.68
3.73
3.52
1.25
35.55%
40.51%
45.61%
13.67
12.02
6.07
7.17%
8.35%
14.05%
92.83%
91.65%
85.95%
16.01
18.78
19.03
-0.23
1.00
2.42
-0.86
2.57
1.01
2011

(Thousand Rupees)
2009
2010
2011
109,217
112,297
117,642
100,000
100,000
100,000
9,217
12,297
17,642
3,193
2,871
3,813
3,193
2,871
3,813
112,410
115,168
121,455
111,175
114,264
120,899
1,074
947
936
110,101
113,317
119,963
1,235
904
556
1,066
805
556
169
99
9,502
8,842
9,480
3,901
4,018
3,561
5,601
4,824
5,918
3,581
3,080
3,733
10,000
10,000
10,000
0.00
0.00
0.00
0.00
0.00
0.00
2,617
2,839
1,517
3.28%
2.74%
3.17%
5.13%
0.04
5.03%
3.19%
2.67%
3.07%
0.70
0.83
0.60
0.36
0.31
0.37
0.96%
0.82%
0.77%
34.82
39.80
31.71
2.84%
2.49%
3.14%
97.16%
97.51%
96.86%
10.92
11.23
11.76
0.73
0.92
0.41
0.82
0.99
0.40
2011

(Thousand Rupees)
2009
2010
2011
218,458
213,883
215,292
200,000
200,000
200,000
18,458
13,883
15,292
96,178
25,959
64,009
94,878
25,959
64,009
1,300
314,636
239,842
279,301
216,527
178,781
220,006
201,144
154,013
194,100
15,383
24,768
25,906
98,109
61,061
59,295
45,253
8,369
7,802
52,856
52,692
51,493
44,202
33,925
39,974
37,568
39,245
43,173
9,955
(3,781)
803
9,137
(4,574)
803
200
200
200
0.00
0.00
0.00
0.00
0.00
0.00
83,304
(79,639)
39,497
4.18%
-2.14%
0.37%
4.53%
-1.77%
0.37%
0.03
-1.91%
0.29%
3.77
-10.38
53.76
45.69
-22.87
4.02
63.93%
64.21%
69.49%
2.28
6.89
3.44
30.57%
10.82%
22.92%
69.43%
89.18%
77.08%
1,092.29
1,069.42
1,076.46
9.12
17.41
49.19
0.88
-3.07
0.62
2011

(Thousand Rupees)
2009
2010
2011
512,490
534,596
555,244
300,000
300,000
300,000
212,490
234,596
255,244
22,218
379,283
301,841
229,327
117,123
107,117
109,200
262,160
194,724
120,127
891,773
836,437
806,789
793,626
822,751
794,898
190,379
215,117
62,407
603,247
607,634
732,491
98,147
13,686
11,891
11,278
12,229
10,552
86,869
1,457
1,339
125,569
126,338
126,533
32,055
43,057
53,650
56,221
50,296
43,703
24,320
22,106
20,648
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
16,024
(27,420)
14,104
4.75%
4.14%
3.72%
7.26%
0.07
6.26%
2.73%
2.64%
2.56%
0.57
0.86
1.23
0.81
0.74
0.69
21.35%
25.72%
7.74%
6.78
7.68
7.28
42.53%
36.09%
28.42%
57.47%
63.91%
68.82%
17.08
17.82
18.51
0.66
-1.24
0.68
0.14
-0.26
0.13
2011

(Thousand Rupees)
2009
2010
2011
203,284
189,823
180,614
200,000
200,000
200,000
3,284
(10,177)
(19,386)
1,200
1,000
1,200
18,046
1,133
1,434
18,046
1,133
1,434
222,530
191,956
183,248
155,110
127,032
118,952
122,081
125,297
109,905
33,029
1,735
9,047
67,420
64,924
64,296
12,528
12,487
11,525
54,892
52,437
52,771
20,472
3,329
7,174
21,024
21,438
19,544
5,682
(13,445)
(9,137)
3,289
(13,461)
(9,209)
2,000
2,000
2,000
0.00
0.00
0.00
0.00
0.00
0.00
30,665
4,326
(15,496)
1.62%
-7.09%
-0.05
2.78%
-7.05%
-5.03%
1.48%
-7.01%
-5.03%
3.70
-1.59
-2.14
1.64
-6.73
-4.60
54.86%
65.27%
59.98%
8.60
112.12
82.95
8.11%
0.59%
0.78%
91.35%
98.89%
98.56%
101.64
94.91
90.31
9.32
-0.32
1.68
1.70
3.82
-10.81
2011

(Thousand Rupees)
2009
2010
2011
146,379
148,337
205,743
200,000
200,000
250,000
(53,621)
(51,663)
(44,257)
45,183
1,668
89,961
36,957
1,668
6,635
3,630
83,326
33,327
193,230
238,298
242,700
68,134
113,546
115,773
65,207
110,603
111,444
2,927
2,943
4,329
125,096
124,752
126,927
69,148
68,028
67,279
55,948
56,724
59,648
45,667
58,399
75,339
49,410
61,190
72,452
2,403
3,012
8,214
1,562
1,958
7,406
2,000
2,000
2,500
0.00
0.00
0.00
0.00
0.00
0.00
1.07%
1.32%
0.04
1.25%
0.01
3.44%
0.81%
0.82%
3.05%
20.56
20.32
8.82
0.78
0.98
2.96
33.75%
46.41%
45.92%
40.85
17.11
31.89
0.86%
37.75%
15.23%
75.75%
62.25%
84.77%
73.19
74.17
82.30
0.00
0.00
0.00
0.00
0.00
0.00
2011

(Thousand Rupees)
2009
2010
2011
208,093
320,971
413,441
200,000
300,000
400,000
8,093
20,971
13,441
400,075
312,275
273,121
382,915
286,579
237,727
17,160
25,696
35,394
608,168
633,246
686,562
523,598
544,550
556,912
267,979
435,977
459,776
255,619
108,573
97,136
84,570
88,696
129,650
32,491
36,037
46,550
52,079
52,659
83,100
353,552
416,252
430,936
310,405
400,090
436,796
9,972
19,364
1,413
3,687
12,877
(7,529)
2,000
2,000
4,000
0.00
0.00
0.00
0.00
0.00
0.00
19,425
167,546
75,877
1.77%
4.01%
-1.82%
4.43%
5.59%
0.31%
0.61%
2.03%
-0.01
31.13
20.66
309.13
1.84
6.44
-1.88
44.06%
68.85%
66.97%
1.37
1.90
2.34
65.78%
49.31%
39.78%
34.22%
50.69%
60.22%
104.05
160.49
103.36
5.27
13.01
-10.08
0.05
0.58
0.32
2011

(Thousand Rupees)
2009
2010
2011
187,019
197,298
197,992
200,000
200,000
200,000
(12,981)
(2,702)
(2,008)
75,119
53,026
91,616
75,119
53,026
91,616
262,138
250,324
289,608
182,878
125,537
168,452
106,747
103,117
130,464
76,131
22,420
37,988
79,260
124,787
121,156
75,786
68,043
61,435
3,474
56,744
59,721
35,797
36,391
25,441
36,097
27,097
17,604
(299)
9,294
(2,352)
(2,800)
10,279
694
20,000
20,000
20,000
0.00
0.00
0.00
0.00
0.00
0.00
74,696
(2,737)
28,692
-0.02
5.21%
0.35%
-0.16%
4.71%
-1.19%
-1.07%
4.11%
0.24%
-120.73
2.92
-7.48
-0.14
0.51
0.03
40.72%
41.19%
45.05%
2.43
2.37
1.84
28.66%
21.18%
31.63%
71.34%
78.82%
68.37%
9.35
9.86
9.90
-26.68
-0.27
41.34
0.99
-0.05
0.31
2011

(Thousand Rupees)
2009
2010
2011
205,138
224,521
435,700
200,000
200,000
400,000
5,138
24,521
35,700
39,284
227,518
34,199
36,913
215,543
21,540
2,371
11,975
12,659
244,422
452,039
469,899
120,444
321,517
273,496
109,950
251,747
216,850
10,494
69,770
56,646
123,978
130,522
196,403
70,035
72,472
79,925
53,943
58,050
116,478
53,807
116,287
120,631
49,901
96,420
109,310
7,678
30,968
14,549
5,079
19,383
11,179
2,000
2,000
4,000
0.00
0.00
0.00
0.00
0.00
0.00
71,664
(50,289)
29,703
2.48%
8.63%
2.57%
0.04
13.09%
3.24%
2.08%
4.29%
2.38%
6.50
3.11
7.51
2.54
9.69
2.79
44.98%
55.69%
46.15%
3.26
1.49
12.70
16.07%
50.33%
7.28%
83.93%
49.67%
92.72%
102.57
112.26
108.93
14.11
-2.59
2.66
1.94
-0.23
1.38
2011

(Thousand Rupees)
2009
2010
2011
209,160
202,031
208,955
200,000
200,000
200,000
9,160
2,031
8,955
1,445
676
582
1,130
416
464
315
260
118
210,605
202,707
209,537
157,178
147,312
155,287
150,026
142,343
151,779
7,152
4,969
3,508
53,427
55,395
54,250
3,160
3,679
3,947
50,267
51,716
50,303
40,808
22,948
16,148
11,407
11,833
11,378
29,003
13,643
10,795
18,841
8,870
6,924
20,000
20,000
20,000
0.00
0.00
0.00
0.00
0.00
0.00
22,483
4,979
4,005
9.01%
4.39%
3.31%
13.85%
6.74%
5.16%
8.95%
4.38%
0.03
0.39
0.87
1.05
0.94
0.44
0.35
71.24%
70.22%
72.44%
139.10
354.12
334.67
0.69%
0.33%
0.28%
99.31%
99.67%
99.72%
10.46
10.10
10.45
1.19
0.56
0.58
19.90
11.97
8.63
2011

(Thousand Rupees)
2009
2010
2011
169,087
264,895
269,262
200,000
300,000
300,000
(30,913)
(35,105)
(30,738)
2,350
10,974
11,923
2,350
10,405
5,715
569
6,208
171,437
275,869
281,185
111,676
219,829
198,803
102,184
206,189
181,946
9,492
13,640
16,857
59,761
56,040
82,382
4,261
6,040
6,928
55,500
50,000
75,454
50,660
69,855
73,425
48,044
64,219
25,107
(17,423)
5,636
6,845
(12,368)
1,394
4,367
2,000
3,000
3,000
0.00
0.00
0.00
0.00
0.00
0.00
(14,868)
1,224
2,702
-7.31%
0.53%
1.62%
-0.10
2.12%
2.48%
-7.21%
0.51%
1.55%
-2.76
11.39
3.67
-6.18
0.46
1.46
0.60
74.74%
64.71%
47.52
21.13
34.79
1.37%
3.98%
4.24%
98.63%
96.02%
95.76%
84.54
88.30
89.75
1.20
0.88
0.62
-6.33
0.12
0.47
2011
119,898
120,133
0
(235)
0
150
150
0
120,048
84,498
83,258
1,240
35,550
2,357
33,193
8,883
10,929
(2,047)
(2,091)
1,201
0.00
0.00
(2,821)
-1.74%
-1.71%
-1.74%
-5.34
-1.74
69.35%
563.32
0.12%
99.88%
99.80
1.35
-18.81
2011

(Thousand Rupees)
2009
2010
2011
229,180
250,494
272,443
200,000
200,000
200,000
29,180
50,494
72,443
222,581
243,979
295,326
222,581
243,979
295,326
451,761
494,473
567,769
354,374
397,694
470,090
298,696
357,866
423,515
55,678
39,828
46,575
97,387
96,779
97,679
41,178
40,308
39,634
56,209
56,471
58,045
219,960
268,573
285,148
189,814
231,973
247,587
23,620
32,791
37,614
14,701
21,314
21,949
20,000
20,000
20,000
0.00
0.00
0.00
0.00
0.00
0.00
182,188
66,889
75,947
6.41%
8.51%
8.06%
10.31%
13.09%
13.81%
3.25%
4.31%
3.87%
8.04
7.07
6.58
0.74
1.07
1.10
66.12%
72.37%
74.59%
1.59
1.63
1.59
49.27%
49.34%
52.02%
50.73%
50.66%
47.98%
11.46
12.52
13.62
12.39
3.14
3.46
0.82
0.27
0.26
12%
5.80%
6%
Reserves (RS)
Appropriated
Profit (RE)
38.3
22.8
37.4
24.2
-2.40%
5.80%
Components of Assets
CY11
Growth
18%
16%
14%
12.60%
11.90%
12%
10%
8%
6%
4%
0%
TA
ement Analysis of Financial Sector
CY11
2011
Growth
25%
20%
20%
19.40%
15%
5%
0%
BSF
OC
0%
MISC
-5%
CY10
CY11
Non core income of insurance companies

45 CY10
CY11
40
64.10%
35
30
25
20
15
18.40%
10
Growth
2011
CY10
CY11
8.06%
6.77%
1.32%
ROE
ROA
1.43%
2011
(Thousand Rupees)
2009
2010
2011
84,319,908
86,625,430
88,849,276
22,291,755
25,452,564
27,271,324
37,757,097
38,331,444
37,413,475
24,271,056
22,841,422
24,164,477
819,131
1,953,222
1,486,085
300,169,598
356,996,176
411,448,452
223,525,201
262,761,211
313,612,990
47,774,239
74,548,172
74,187,133
28,870,158
19,686,793
23,648,329
385,308,637
445,574,828
501,783,813
34,183,294
43,985,108
50,583,912
16,678,112
572,369
688,210
275,622,467
114,542,954
128,173,834
52,405,483
279,510,586
315,270,247
6,419,281
6,963,811
7,067,610
36,385,553
32,810,542
38,833,441
87,428,602
105,179,540
126,199,310
66,891,124
80,645,113
98,003,441
44,853,530
56,866,547
54,128,154
35,270,353
38,203,611
42,292,244
29,215,507
16,328,161
26,795,471
7,970,541
8,853,469
10,787,920
6,575,665
5,862,322
7,161,327
2,897,533
2,516,580
2,703,460
N/A
N/A
N/A
N/A
N/A
N/A
2,328,621
10,571,042
19,340,981
0.08
6.77%
8.06%
1.71%
1.32%
1.43%
2.27
2.33
2.65
52.73%
47.37%
43.15%
4.44
278.53%
374.17%
0.54
40.69%
39.62%
8.87%
9.87%
10.08%
71.53%
25.71%
25.54%
21.88%
19.44%
17.71%
29.10
34.42
32.87
35.41%
180.32%
270.08%
2011
(Thousand Rupees)
2009
2010
2011
4,552,704
5,859,968
6,242,151
3,632,080
4,612,239
4,612,239
10,474
189,435
70,723
910,150
1,058,294
1,559,189
127,208
243,297,422
285,052,165
339,861,092
223,481,460
262,079,551
311,994,432
11,277,889
20,403,335
17,263,420
8,538,073
2,569,279
10,603,240
247,977,334
290,912,133
346,103,243
18,748,616
27,764,487
34,318,104
16,542,211
411,115
532,584
200,982,882
36,942,032
48,075,725
10,410,990
224,883,840
262,134,491
1,292,635
910,659
1,042,339
21,371,584
26,491,668
31,593,587
40,568,637
52,584,841
67,745,199
39,775,876
51,369,955
66,253,831
21,669,000
22,330,799
25,579,370
20,921,771
21,335,138
24,513,450
24,929,952
12,950,017
21,775,752
1,187,872
1,597,080
2,471,047
1,227,145
1,078,477
1,619,539
304,208
N/A
362,224
N/A
N/A
362,224
N/A
N/A
N/A
2,433,056
9,951,353
17,850,889
26.95%
0.18
25.95%
0.49%
0.37%
0.47%
4.03
2.98
4.47
0.53
41.53%
0.37
2031.54%
1200.77%
1344.56%
53.73%
51.57%
47.69%
7.56%
9.54%
9.92%
81.05%
0.13
13.89%
1.84%
2.01%
0.02
14.97
16.18
17.23
198.27%
922.72%
1102.22%
2011

(Thousand Rupees)
2009
-
2010
2011
338,763
172,775
534,663
534,663
(212,258)
(396,718)
16,358
34,830
238,428
710,816
99,479
509,586
28,944
88,699
110,005
112,531
577,191
883,591
37,748
127,414
401,778
609,667
113,124
113,631
24,541
32,879
29,349
32,061
267,137
912,667
215,489
791,950
55,740
105,334
16,178
29,720
111,303
444,354
17,933
21,777
12,620
18,472
53,466
53,466
0.00
0.00
0.00
0.00
(55,090)
278,214
3.73%
10.69%
2.19%
2.09%
0.24
0.35
7.51%
3.75%
881.96%
2405.55%
13.62%
4.05%
6.54%
14.42%
69.61%
0.69
58.69%
19.55%
6.34
3.23
-436.53%
1506.14%
2011
(Thousand Rupees)
2009
2010
2011
581,065
669,193
734,941
500,000
500,000
500,000
81,065
169,193
234,941
2,771,591
3,669,489
5,935,512
2,318,142
3,238,863
5,290,441
325,000
296,435
459,875
128,449
134,191
185,196
3,352,656
4,338,682
6,670,453
106,526
64,025
125,057
68,306
83,051
90,096
2,856,069
3,795,700
5,833,574
255,923
337,353
561,509
65,832
58,553
60,217
248,389
326,117
644,910
1,349,482
1,893,849
2,993,466
1,267,953
1,806,525
2,905,583
396,613
524,643
758,431
363,070
442,406
629,515
554,620
96,141
133,403
183,560
62,492
86,712
116,248
50,000
50,000
50,000
0.00
0.00
0.00
0.00
0.00
0.00
762,793
590,201
1,596,738
10.75%
12.96%
15.82%
1.86%
0.02
1.74%
1.25
1.73
2.32
28.63%
24.49%
21.67%
887.51%
0.00
0.00
19.59%
18.05%
0.22
3.18%
1.48%
1.87%
85.19%
87.49%
87.45%
17.33%
15.42%
11.02%
11.62
13.38
14.70
1220.63%
680.65%
1373.56%
2011
(Thousand Rupees)
2009
2010
2011
228,456
469,028
427,049
200,000
500,000
500,000
2,500
25,956
(30,972)
(72,951)
127,208
63,854
133,992
179,012
95,977
118,132
6,301
26,420
45,936
57,553
11,595
14,944
419,518
603,020
606,061
148,998
93,453
93,478
22,456
431,446
414,724
79,301
71,458
93,751
168,763
6,663
4,108
19,549
72,014
34,168
154,948
212,620
32,203
153,560
211,232
153,158
178,482
14,737
153,158
178,482
9,448
61,317
23,322
5,518
59,086
20,221
20,000
50,000
50,000
0.00
0.00
0.00
0.00
0.00
0.00
(26)
(89,324)
(60,080)
2.42%
0.13
4.74%
1.32%
0.10
3.34%
0.28
1.18
0.40
45.76%
99.74%
0.85
0.00
0.00
0.00
60.71%
0.47
16.18%
35.52%
0.16
15.42%
5.35%
71.55%
68.43%
54.46%
77.78%
70.46%
11.42
9.38
8.54
-0.47%
-151.18%
-297.12%
2011
(Thousand Rupees)
2009
2010
2011
149,369
146,958
124,125
454,960
500,456
500,456
(305,591)
(353,498)
(376,331)
198,947
256,916
294,178
162,256
213,986
238,382
19,395
28,022
38,870
17,296
14,908
16,926
348,316
403,874
418,303
59,770
136,182
154,862
9,464
8,553
8,825
197,560
194,146
186,588
31,257
22,422
31,089
50,265
42,571
36,939
(197,021)
25,713
11,837
235,769
250,054
246,773
154,489
183,761
178,687
165,143
162,347
180,387
94,895
152,937
124,525
(20,218)
66,115
50,412
(222,596)
5,246
(6,364)
(1,236)
3,194
(8,583)
45,496
50,046
50,046
0.00
0.00
0.00
0.00
0.00
0.00
(50,870)
(11,010)
(22,063)
-0.83%
2.17%
-6.91%
-0.35%
0.79%
-2.05%
-0.03
0.06
-0.17
61.43%
83.23%
69.69%
1635.76%
2069.97%
-587.35%
-127.53%
13.99%
6.62%
17.16%
33.72%
37.02%
56.72%
48.07%
44.61%
42.88%
36.39%
29.67%
3.28
2.94
2.48
41.16
-344.71%
257.05%
2011
(Thousand Rupees)
2009
2010
2011
1,628,540
1,579,275
1,732,640
750,000
850,000
850,000
232,500
232,500
232,500
646,040
496,775
650,140
16,218,941
20,583,460
26,297,424
14,767,466
18,865,481
24,414,209
880,656
1,214,459
1,140,899
570,819
503,520
742,316
17,847,481
22,162,735
28,030,064
1,365,803
826,325
1,141,457
59,015
55,583
56,490
15,053,389
19,711,968
25,133,535
1,019,066
1,147,984
1,248,172
350,208
420,875
450,410
58,853
1,657,014
29,792
9,597,777
8,375,515
10,129,599
5,570,211
7,920,022
9,597,263
7,418,139
2,171,470
2,724,390
3,911,444
1,837,151
2,360,779
66,535
4,246,398
5,406,307
647,721
551,035
880,815
711,659
363,235
578,365
115,000
85,000
85,000
0.33
0.50
0.50
0.00
0.00
0.00
204,961
3,217,244
3,938,800
0.44
0.23
33.38%
3.99%
1.64%
2.06%
6.19
4.27
6.80
70.22%
0.23
0.25
9.35%
1169.05%
934.76%
1.06%
20.92%
0.31%
7.65%
3.73%
4.07%
84.34%
88.94%
89.67%
9.12%
7.13%
6.18%
14.16
18.58
20.38
0.29
885.72%
681.02%
2011
(Thousand Rupees)
2009
2010
2011
546,505
1,149,873
1,430,398
627,120
627,120
627,120
(80,615)
522,753
803,278
7,777,475
10,198,709
14,357,210
6,788,311
9,144,236
12,844,091
751,169
682,944
787,561
237,995
371,529
725,558
8,323,980
11,348,582
15,787,608
2,123,027
1,084,664
2,250,153
3,876
4,560
8,981
5,579,564
9,673,115
12,980,198
118,115
439,204
340,689
499,398
147,039
207,587
78,014
40,999
74,841
4,363,155
5,802,439
8,215,262
4,384,114
5,451,804
7,756,624
1,710,439
2,049,922
2,139,574
814,037
1,661,786
1,770,426
1,878,176
2,647,219
4,363,882
160,744
217,268
582,356
129,943
146,752
374,593
62,712
62,712
62,712
0.00
0.15
0.30
0.00
0.00
0.00
1,150,556
1,829,289
3,304,453
23.78%
12.76%
26.19%
1.56%
1.29%
2.37%
2.07
2.34
5.97
18.57%
30.48%
22.82%
1445.38%
1803.87%
1164.97%
1.78%
0.75%
0.96%
0.26
9.56%
14.25%
67.03%
85.24%
82.22%
6.57%
10.13%
9.06%
8.71
18.34
22.81
885.43%
1246.52%
882.14%
2011
(Thousand Rupees)
2009
2010
2011
1,418,769
1,506,878
1,620,223
1,100,000
1,100,000
1,100,000
318,769
406,878
520,223
216,266,614
249,971,171
292,086,940
199,445,285
230,421,529
268,579,591
9,295,368
18,126,111
14,701,580
7,525,961
1,423,531
8,805,769
217,685,383
251,478,049
293,707,163
14,944,492
25,522,090
30,425,683
16,401,550
259,368
368,192
177,273,844
2,733,879
2,917,439
8,907,328
222,752,295
259,745,650
158,169
210,417
250,199
21,163,800
24,340,462
30,765,978
25,022,454
35,840,899
45,034,812
28,366,906
35,638,794
44,812,492
11,978,666
17,213,519
19,492,772
15,723,588
17,071,522
19,420,003
22,450,839
5,878,982
11,510,797
496,414
610,878
785,581
318,769
406,878
520,223
11,000
11,000
11,000
0.00
0.00
0.00
0.00
0.00
0.00
365,642
4,470,043
8,814,827
22.47%
0.27
32.11%
0.15%
0.16%
0.18%
28.98
36.99
47.29
55.43%
0.48
43.34%
7042.98%
14.45
2212.67%
74.61%
0.68
68.65%
6.87%
10.15%
10.36%
81.44%
1.09%
0.99%
0.65%
0.01
0.55%
128.98
136.99
147.29
1.15
1098.62%
1694.43%
2011
(Thousand Rupees)
2009
2010
2011
77,784,852
79,163,527
81,001,020
16,368,903
18,473,672
20,190,656
37,746,623
38,095,296
37,253,143
23,669,326
22,594,559
23,557,221
699,353
1,960,651
1,496,175
55,925,315
70,197,047
68,624,171
35,998,491
53,122,361
55,978,266
19,926,824
17,074,686
12,645,905
134,409,520
151,321,225
151,121,366
14,560,902
15,184,416
14,630,482
135,901
161,254
155,626
73,613,820
76,511,650
78,616,841
41,291,894
53,696,201
51,928,318
4,807,003
5,767,704
5,790,099
14,940,088
6,174,516
7,061,213
45,855,026
50,661,814
55,500,147
26,359,943
28,518,877
30,755,481
22,419,681
33,827,066
27,658,411
13,806,667
16,293,451
17,206,252
4,175,598
3,496,419
5,065,745
7,038,047
7,486,823
8,374,379
5,467,494
4,926,499
5,586,200
2,364,248
1,917,690
2,094,393
N/A
N/A
N/A
N/A
N/A
N/A
262,727
608,001
796,456
7.03%
6.22%
0.07
4.07%
3.26%
0.04
2.31
2.57
2.67
52.38%
57.13%
55.95%
76.37%
70.97%
90.68%
56.68%
21.65%
22.96%
10.83%
10.03%
9.68%
54.77%
50.56%
52.02%
57.87%
52.31%
0.54
32.90
41.28
38.68
4.81%
12.34%
14.26%
2011

(Thousand Rupees)
2009
2010
2011
224,670
275,808
391,004
200,000
250,000
300,000
24,670
25,808
91,004
456,931
1,171,239
1,137,533
88,327
1,125,461
963,999
368,604
45,778
173,534
681,601
1,447,047
1,528,537
361,707
456,091
837,974
308,942
972,500
674,106
10,952
18,456
16,457
28
292,402
292,402
499,666
82,891
98,060
228,525
108,195
108,195
273,025
32,165
32,165
86,572
3,091
(1,148)
77,626
29,503
30,939
131,424
16,358
17,194
82,645
20,000
25,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(13,827)
34,025
291,928
7.28%
6.23%
21.14%
0.02
1.19%
5.41%
0.82
0.69
2.75
0.39
0.33
37.88%
0.19
-6.68%
93.93%
0.03%
0.00
0.00
53.07%
31.52%
54.82%
0.00
0.00
0.00
32.96%
19.06%
25.58%
11.23
11.03
13.03
-84.53%
197.89%
353.23%
2011
(Thousand Rupees)
2009
2010
2011
10,781,175
11,000,004
10,900,906
1,124,586
1,237,045
1,237,045
1,136,547
1,163,638
1,241,625
8,520,042
8,599,321
8,422,236
10,831,203
16,886,731
13,181,486
2,344,753
14,614,804
11,027,452
8,486,450
2,271,927
2,154,034
21,612,378
27,886,735
24,082,392
2,157,104
2,704,817
2,378,967
28,383
22,086
17,175
9,658,030
9,406,998
9,451,731
8,913,124
14,699,918
11,208,717
855,737
1,052,916
1,025,802
2,479,419
779,089
852,315
9,929,749
10,952,551
11,753,401
6,806,897
6,883,397
6,983,344
5,643,943
10,598,852
7,066,321
4,452,839
4,833,516
4,749,113
679,257
245,721
528,632
2,608,348
541,813
(41,968)
2,447,020
484,131
132,177
112,459
123,705
123,705
0.30
0.24
0.10
0.10
0.09
0.00
291,555
(48,276)
(718,380)
0.23
0.04
1.21%
11.32%
1.74%
0.55%
21.76
3.91
1.07
65.42%
70.22%
68.01%
27.76%
50.76%
399.94%
36.43%
11.32%
0.12
9.98%
0.10
9.88%
44.69%
33.73%
39.25%
49.88%
39.45%
45.27%
95.87
88.92
88.12
11.91%
-9.97%
-5.44
2011

(Thousand Rupees)
2009
2010
2011
108,202
100,237
140,400
140,400
1,650
1,650
(33,848)
(41,813)
2,475
2,538
1,466
1,466
1,009
1,072
110,677
102,775
13,829
4,479
24,837
21,062
71,138
76,507
873
727
12,970
(5,051)
9,311
(7,839)
9,154
(7,965)
14,040
14,040
0.00
0.00
0.00
0.00
(41,371)
(2,267)
8.46%
-7.95%
8.27%
-7.75%
0.65
-0.57
0.00
0.00
-
12.49%
4.36%
22.44%
20.49%
97.76%
97.53%
7.71
7.14
-451.94%
28.46%
2011
(Thousand Rupees)
2009
2010
2011
325,229
325,229
325,229
303,600
303,600
303,600
10,175
10,175
10,175
11,454
11,454
11,454
363,944
363,944
363,944
259,476
259,476
259,476
220,015
220,015
220,015
39,461
39,461
39,461
948,649
948,649
948,649
144,886
144,886
144,886
195,602
195,602
195,602
597,736
597,736
597,736
10,425
10,425
10,425
29,215
29,215
29,215
116,083
116,083
116,083
61,511
61,511
61,511
88,487
88,487
88,487
53,161
53,161
53,161
(26,270)
(26,270)
(26,270)
(7,737)
(7,737)
(7,737)
(821,076)
(821,076)
(821,076)
30,360
30,360
30,360
0.00
0.00
0.00
0.00
0.00
0.00
(29,111)
(29,111)
(29,111)
-252.46%
-252.46%
-252.46%
-86.55%
-86.55%
-86.55%
-27.04
-27.04
-27.04
86.43%
86.43%
86.43%
0.03
0.03
0.03
0.48
0.48
0.48
15.27%
15.27%
15.27%
20.62%
20.62%
20.62%
34.28%
34.28%
34.28%
10.71
10.71
10.71
3.55%
3.55%
3.55%
2011
(Thousand Rupees)
2009
2010
2011
270,073
326,924
250,000
300,000
20,073
26,924
689,917
699,658
605,823
606,831
84,094
92,827
959,990
1,026,582
38,272
35,969
468,878
518,792
427,064
450,011
25,776
21,810
43,206
37,156
1,010,167
995,212
680,338
645,038
963,259
776,124
632,076
523,590
2,124
57,654
25,386
96,804
14,449
56,851
25,000
30,000
0.00
0.00
0.00
0.00
(108,607)
20,096
5.35%
17.39%
1.51%
5.54%
0.58
1.90
92.91%
81.17%
0.15
101.41%
6.35%
5.76%
3.99%
0.04
48.84%
50.54%
28.13%
31.85%
10.80
10.90
-751.66%
35.35%
2011

(Thousand Rupees)
2009
2010
2011
228,457
282,918
342,583
200,000
250,000
300,000
2,500
2,500
2,500
25,957
30,418
40,083
127,208
127,208
136,060
63,854
45,887
60,626
6,301
2,149
39,131
57,553
43,738
21,495
419,519
456,013
539,269
148,998
163,401
159,876
22,456
56,822
113,378
79,301
59,518
65,934
168,764
176,272
200,081
19,549
21,108
24,319
46,537
46,534
52,286
29,768
29,451
33,704
31,941
7,101
12,074
10,952
7,474
10,916
1,460
4,101
334
7,355
9,043
11,545
4,886
4,461
9,665
20,000
25,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(14,860)
(17,574)
(6,325)
2.14%
1.58%
2.82%
1.16%
0.98%
1.79%
0.24
0.18
0.32
36.79%
25.38%
32.39%
29.88%
91.93%
3.46%
65.67%
71.67%
72.15%
35.52%
35.83%
29.65%
5.35%
12.46%
21.02%
54.46%
62.04%
63.53%
11.42
11.32
11.42
-304.13%
-393.95%
-65.44%
2011
(Thousand Rupees)
2009
2010
2011
268,412
315,833
432,208
203,775
203,776
308,210
74,658
74,659
74,658
(10,021)
37,398
49,340
927,340
1,138,101
1,112,772
839,746
1,022,808
902,563
87,594
115,293
210,209
1,195,752
1,453,934
1,544,980
114,277
91,251
130,566
4,197
2,159
1,190
413,607
510,063
554,394
533,027
802,813
810,840
130,644
47,648
47,990
(28,174)
51,096
52,094
1,089,649
1,344,036
1,132,971
805,176
639,901
633,283
630,052
616,816
547,467
(522,426)
385,890
327,857
78,757
109,137
142,350
(15,075)
53,347
78,921
(27,544)
47,418
65,434
20,377
20,378
30,821
0.00
0.00
0.00
0.00
0.10
0.15
4,856
(53,585)
(17,098)
-10.26%
15.01%
15.14%
-0.02
3.26%
4.24%
-1.35
2.33
2.12
-64.88%
0.60
51.77%
-285.93%
230.16%
217.55%
-0.04
7.98%
8.23%
9.56%
6.28%
8.45%
34.59%
35.08%
35.88%
22.45%
21.72%
27.97%
13.17
15.50
14.02
-17.63%
-113.01%
-26.13%
2011
(Thousand Rupees)
2009
2010
2011
747,963
856,397
1,009,919
335,559
369,115
442,938
222,064
244,064
265,064
190,340
243,218
301,917
1,157,130
1,178,337
1,068,166
1,141,136
1,159,164
872,535
15,994
19,173
195,631
1,905,093
2,034,734
2,078,085
660,191
492,581
54,591
201
177
117
558,250
772,048
1,089,256
639,030
726,012
888,629
47,421
43,916
45,492
118,230
102,634
133,572
782,700
1,004,381
1,102,974
443,534
530,269
591,289
265,444
304,586
289,352
192,355
(176,504)
153,294
104,467
199,924
253,585
(140,994)
327,130
400,084
(199,585)
242,658
301,168
118,230
36,912
44,294
0.00
0.40
0.40
0.00
0.20
0.20
357,794
30,056
(139,230)
-26.68%
28.33%
29.82%
-10.48%
11.93%
14.49%
-1.69
6.57
6.80
43.37%
-33.29%
25.93%
-52.34%
82.39%
0.84
26.66%
19.36%
22.59%
34.65%
24.21%
2.63%
0.29
37.94%
52.42%
39.26%
42.09%
0.49
6.33
23.20
22.80
-179.27%
12.39%
-46.23%
2011

(Thousand Rupees)
2009
2010
2011
209,329
264,580
266,684
200,157
250,196
262,705
12,936
12,936
425
(3,764)
1,448
3,554
8,747
8,700
8,657
122,898
118,146
61,818
48,904
107,853
55,346
73,994
10,293
6,472
340,974
391,426
337,159
71,516
71,853
43,800
91,019
34,185
31,372
156,426
263,307
237,589
22,013
22,081
24,398
12,870
8,705
4,298
55,593
55,593
22,949
10,682
12,619
4,375
9,480
9,480
31,949
(1,590)
2,878
4,007
389
830
(6,154)
6,956
6,813
3,171
5,787
5,164
2,061
20,016
25,020
26,271
0.00
0.00
0.00
0.00
0.00
0.00
(53,545)
1,144
(32,206)
2.76%
1.95%
0.77%
0.02
1.32%
0.61%
0.29
0.21
0.08
-14.88%
22.81%
91.59%
6.72%
16.07%
-298.59%
120.48%
68.98%
98.24%
20.97%
18.36%
12.99%
26.69%
8.73%
0.09
61.39%
67.59%
0.79
10.46
10.57
10.15
-925.26%
22.15%
-1562.64%
2011
(Thousand Rupees)
2009
2010
2011
852,000
961,633
941,045
457,244
457,244
457,244
373,024
373,024
373,023
21,732
131,365
110,778
299,836
368,834
520,940
259,048
312,834
432,518
40,788
56,000
88,422
1,151,836
1,330,467
1,461,985
75,313
87,060
97,520
735,978
840,031
848,639
297,334
359,760
467,645
43,211
43,616
48,181
(73,034)
105,875
11,094
427,410
467,394
496,034
206,646
219,070
225,191
96,319
201,235
182,130
64,707
106,646
80,505
95,030
63,644
87,325
(39,947)
121,062
42,123
(69,958)
109,631
25,110
45,724
45,724
45,724
0.00
0.10
0.10
0.00
0.00
0.00
117,191
8,867
57,370
-8.21%
0.11
2.67%
-6.07%
8.24%
1.72%
-1.53
2.40
0.55
31.31%
48.68%
35.75%
-135.84%
58.05%
347.77%
-35.34%
48.33%
4.93%
6.54%
6.54%
6.67%
0.64
63.14%
58.05%
73.97%
72.28%
64.37%
18.63
21.03
20.58
-167.52%
8.09%
228.47%
2011
(Thousand Rupees)
2009
2010
2011
3,293,190
3,355,818
3,116,433
203,039
279,179
390,851
133,088
133,088
133,088
2,957,063
2,943,551
2,592,494
528,709
37,670
155,731
179,752
48,544
141,349
110,234
32,040
14,382
69,518
16,504
3,448,921
4,064,279
3,202,647
65,136
8,296
19,230
29,595
100
3,249,876
3,927,349
2,947,025
131,369
97,108
234,702
2,540
1,931
1,590
128,412
179,500
479,664
123,891
117,092
13,342
13,397
10,509
(4,503)
50,816
1,095
(14,815)
7,695
4,701
(9,588)
10,774
3,996
(12,835)
(844,897)
110,272
(159,254)
(855,118)
108,312
(197,508)
20,304
27,918
39,085
0.20
0.25
0.25
0.20
0.50
0.00
9,519
(43,834)
86,197
-25.97%
3.23%
-6.34%
-24.79%
2.66%
-6.17%
-42.12
3.88
-5.05
57.44%
44.73%
212.92%
-1.26%
3.69%
0.07
958.51%
1708.06%
-106.52
1.89%
0.00
0.01
94.23%
96.63%
92.02%
95.48%
82.57%
97.31%
162.19
120.20
79.73
-1.11%
-40.47%
-43.64%
2011
(Thousand Rupees)
2009
2010
2011
10,451,590
9,591,171
9,995,869
1,150,000
1,250,000
1,250,000
8,500,000
8,662,902
8,162,902
801,590
(321,731)
582,967
12,902
11,474,458
14,950,498
14,382,169
9,710,098
13,849,184
12,805,452
1,764,360
1,101,314
1,576,717
21,938,950
24,541,669
24,378,038
1,349,606
1,706,571
1,758,119
2,775
3,293
3,326
12,885,838
11,899,434
12,552,086
7,155,256
10,223,286
9,304,862
545,475
709,085
759,645
673,524
(357,955)
185,101
9,694,833
9,699,192
11,432,816
5,570,211
5,846,591
6,224,495
5,267,381
8,176,868
4,809,747
3,911,444
3,941,583
3,707,552
66,535
111,875
693,348
801,443
(359,763)
841,544
732,299
(413,321)
560,948
115,000
125,000
125,000
0.40
0.13
0.28
0.09
0.00
0.00
204,961
140,124
434,352
7.01%
-4.31%
5.61%
3.34%
-1.68%
0.02
6.37
-3.31
4.49
70.22%
67.42%
59.56%
9.09%
-27.07%
1.24
12.09%
-6.12%
2.97%
6.15%
6.95%
7.21%
58.73%
48.49%
51.49%
47.64%
39.08%
0.41
90.88
76.73
79.97
27.99%
-0.34
77.43%
2011

(Thousand Rupees)
2009
2010
2011
329,712
338,155
398,043
228,526
251,379
301,655
100,200
77,200
75,000
986
9,576
21,388
330,770
295,487
315,912
41,679
290,341
264,150
289,091
5,146
51,762
660,482
633,642
713,955
55,220
40,123
52,573
232,810
191,758
243,535
257,468
276,918
307,104
114,984
124,843
110,743
(561,658)
31,561
31,364
674,106
584,241
630,251
436,968
331,968
387,685
314,945
306,991
233,491
178,296
(151,321)
153,899
89,271
45,451
81,803
(527,995)
15,548
47,871
537,123
8,443
34,750
22,853
25,138
30,166
0.00
0.00
0.00
0.00
0.10
0.10
10,293
1,846
8,777
162.91%
0.03
8.73%
81.32%
1.33%
4.87%
23.50
0.34
1.15
0.41
-45.58%
0.40
16.62%
538.33%
2.35
-128.54%
9.51%
8.09%
8.36%
6.33%
7.36%
35.25%
30.26%
34.11%
49.92%
53.37%
55.75%
14.43
13.45
13.20
1.92%
21.86%
25.26%
2011

(Thousand Rupees)
2009
2010
2011
203,725
282,954
282,954
200,000
250,000
250,000
110
32,844
32,844
3,615
110
110
33,172
24,544
24,544
26,495
17,207
17,207
6,677
7,337
7,337
236,897
307,498
307,498
101,131
57,683
57,683
59,941
185,621
185,621
67,069
57,457
57,457
8,756
6,737
6,737
2,741
37,011
37,011
42,018
31,108
31,108
18,051
16,090
16,090
19,199
5,905
5,905
4,551
4,272
4,272
2,607
1,033
1,033
(931)
31,689
31,689
(2,029)
29,229
29,229
20,000
25,000
25,000
0.00
0.00
0.00
0.00
0.00
0.00
(19,075)
(9,252)
(9,252)
-0.01
10.33%
10.33%
-0.86%
9.51%
9.51%
-0.10
1.17
1.17
25.21%
26.55%
26.55%
-128.49%
3.53%
3.53%
15.18%
230.02%
230.02%
42.69%
18.76%
18.76%
0.25
60.36%
60.36%
0.86
92.02%
92.02%
10.19
11.32
11.32
940.12%
-31.65%
-31.65%
2011
(Thousand Rupees)
2009
2010
2011
823,544
851,885
878,080
400,403
400,403
450,454
204,122
197,360
254,122
219,019
254,122
173,504
792,791
815,100
999,996
540,481
570,936
703,681
252,310
244,164
296,315
1,616,335
1,666,985
1,878,076
26,520
57,999
50,432
1,899
3,143
31,237
932,041
925,540
916,434
611,390
641,355
865,848
44,485
38,948
14,125
(390,531)
149,355
117,389
734,275
754,013
841,955
397,960
394,643
420,310
380,313
317,065
436,243
202,219
183,787
231,180
67,687
87,471
60,193
(379,447)
192,188
149,044
(396,428)
168,482
126,296
71,182
80,081
90,091
0.13
0.25
0.25
0.13
0.13
0.10
(88,311)
4,160
(77,378)
-48.14%
19.78%
14.38%
-24.53%
10.11%
6.72%
-5.57
2.10
1.40
50.81%
46.57%
0.55
-17.07%
51.92%
47.66%
-98.13%
37.85%
27.93%
1.64%
3.48%
2.69%
57.66%
55.52%
0.49
50.95%
0.51
46.75%
11.57
10.64
9.75
22.28%
2.47%
-61.27%
2011

(Thousand Rupees)
2009
2010
2011
600
115
(28)
5,000
5,000
5,000
(4,400)
(4,885)
(5,028)
3,336
3,412
2,226
1,448
1,448
1,448
1,888
1,964
778
3,936
3,527
2,198
720
492
492
1,828
1,910
610
1,388
1,125
1,096
(279)
(279)
500
500
500
0.00
0.00
0.00
0.00
0.00
0.00
(244)
(228)
-0.47
0.00
0.00
-7.09%
0.00
0.00
-0.56
0.00
0.00
0.00 -
18.29%
13.95%
22.38%
0.00
0.00
0.00
15.24%
3.26%
-1.27%
1.20
0.23
-0.06
87.46% -
2011
(Thousand Rupees)
2009
2010
2011
10,960,813
11,575,854
11,287,896
598,689
718,427
1,115,359
10,534,374
10,264,964
9,530,371
(172,250)
592,463
642,166
1,405,253
1,384,597
2,293,133
124,523
76,565
1,463,515
1,280,730
1,308,032
829,618
12,366,066
12,960,451
13,581,029
6,809
421
77,517
11,235,758
12,002,730
11,713,889
842,954
783,406
1,634,350
280,545
173,894
155,273
(414,649)
929,344
492,524
1,155,775
1,247,470
1,600,781
614,586
720,733
852,329
437,930
473,625
1,388,264
257,052
364,411
530,525
253,103
205,095
207,782
364,766
920,771
56,632
263,966
836,556
49,703
59,869
71,843
111,536
0.35
0.30
0.50
0.00
0.55
0.15
126,941
278,667
(18,106)
2.41%
7.23%
0.44%
2.13%
6.45%
0.37%
4.41
11.64
0.45
41.83%
50.56%
62.24%
95.88%
24.52%
418.05%
-67.47%
128.94%
57.79%
0.06%
0.00
0.57%
90.86%
92.61%
86.25%
88.64%
89.32%
83.12%
183.08
161.13
101.20
48.09%
33.31%
-36.43%
2011
(Thousand Rupees)
2009
2010
2011
2,621,006
2,903,875
3,542,869
659,148
790,977
988,721
1,255,332
1,579,384
1,679,384
706,526
533,514
874,764
3,798,883
4,798,183
5,431,966
3,040,509
3,749,612
4,171,474
758,374
1,048,571
1,260,492
6,419,889
7,702,058
8,974,835
2,028,132
974,783
967,361
294
791
849
1,902,811
3,855,601
5,082,078
2,382,103
2,776,025
2,827,350
106,549
94,858
97,197
452,253
407,598
611,966
3,916,086
4,223,635
4,869,348
2,297,720
2,451,227
2,764,204
1,951,318
2,291,778
2,089,885
1,420,977
1,677,614
1,699,094
114,121
(64,085)
153,756
771,898
546,682
892,911
656,464
450,151
797,189
65,915
79,098
98,872
0.30
0.20
0.30
0.20
0.25
0.20
216,551
474,037
599,038
25.05%
0.16
0.23
10.23%
5.84%
8.88%
9.96
5.69
8.06
61.84%
68.44%
2.00
17.38%
-14.24%
19.29%
19.68%
16.63%
22.14%
31.59%
12.66%
0.11%
29.64%
50.06%
56.63%
40.83%
0.38
39.48%
39.76
36.71
35.83
32.99%
105.31%
75.14%
2011
(Thousand Rupees)
2009
2010
2011
16,137,364
15,728,795
15,728,795
2,000,000
2,000,000
2,000,000
11,500,000
11,500,000
11,500,000
2,637,364
2,228,795
2,228,795
11,135,642
11,079,800
11,079,800
8,186,245
8,186,245
8,186,245
2,949,397
2,893,555
2,893,555
27,273,006
26,808,595
26,808,595
3,514,665
3,486,575
3,486,575
26,767
26,767
26,767
15,416,074
15,427,447
15,427,447
7,312,172
7,527,628
7,527,628
1,003,328
340,178
340,178
2,030,436
2,011,000
2,011,000
5,655,348
5,655,000
5,655,000
3,004,999
3,005,000
3,005,000
3,058,338
3,058,000
3,058,000
986,654
987,000
987,000
1,630,096
1,630,000
1,630,000
3,579,468
3,586,000
3,586,000
2,524,567
2,533,000
2,533,000
200,000
200,000
200,000
0.00
0.00
0.00
0.00
0.00
0.00
1,023,667
(1,316)
(1,316)
15.64%
0.16
0.16
9.26%
9.45%
9.45%
12.62
12.67
12.67
32.83%
32.85%
32.85%
64.57%
64.35%
64.35%
67.57%
66.92%
66.92%
12.89%
13.01%
13.01%
56.53%
57.55%
57.55%
59.17%
58.67%
58.67%
80.69
78.64
78.64
40.55%
-0.05%
-0.05%
2011
(Thousand Rupees)
2009
2010
2011
1,241,289
928,058
1,002,279
1,241,289
928,058
1,002,279
956,695
1,596,194
1,751,481
216,705
1,288,621
1,431,277
739,990
307,573
320,204
2,197,984
2,524,252
2,753,760
319,850
682,920
1,106,672
863,092
751,912
529,831
936,126
1,025,504
1,056,922
78,916
63,916
60,335
131,761
158,726
177,545
849,199
849,199
1,240,273
382,172
405,937
443,395
406,573
406,573
470,519
169,222
201,105
268,243
98,923
103,498
66,829
32,203
92,783
108,147
17,142
56,577
74,221
124,129
92,806
100,228
0.00
0.00
0.00
0.00
0.00
0.00
104,776
106,751
35,739
1.38%
0.06
7.41%
0.78%
2.24%
0.03
0.14
0.61
0.74
44.28%
49.54%
0.61
577.08%
182.93%
90.04%
34.48%
0.39
40.04%
14.55%
27.05%
40.19%
39.27%
29.79%
19.24%
56.47%
36.77%
0.36
10.00
10.00
10.00
611.22%
188.68%
48.15%
2011

(Thousand Rupees)
2009
2010
2011
2,446
2,834
8,936
29
29
29
2,417
2,805
8,907
5,037
3,472
5,157
4,724
2,270
3,881
313
1,202
1,276
7,483
6,306
14,093
1,778
515
9,210
240
420
2,889
2,684
3,041
2,816
2,867
1,422
77
5,223
5,223
6,966
5,009
4,900
6,170
633
(236)
64
593
(2,179)
(1,941)
(1,950)
(1,545)
(1,328)
6,183
(1,560)
(1,377)
6,102
0.00
0.00
0.00
0.00
0.00
0.00
(1,389,168)
(1,524)
206
-63.78%
-48.59%
68.29%
-20.85%
-
-21.84%
-
-4.71%
0.43
-
1.31%
9.61%
139.68%
140.96%
-31.96%
1.54%
0.00
0.00
23.76%
8.17%
65.35%
0.00
0.00
0.00
32.69%
-
44.94%
-
89049.23%
63.41%
-
110.68%
3.38%
2011
(Thousand Rupees)
2009
2010
2011
6,785,655
6,411,908
6,356,722
3,000,000
3,000,000
3,000,000
2,058,419
2,058,419
2,058,420
1,727,236
1,353,489
1,298,302
5,586,960
6,122,986
6,521,215
5,284,063
437,230
5,926,236
302,897
5,685,756
594,979
12,372,615
12,534,894
12,877,937
1,833,648
2,416,631
1,597,263
53,667
55,092
56,634
5,526,830
4,716,518
5,832,677
4,909,805
5,299,237
5,342,323
48,665
47,416
49,040
1,099,396
653,470
890,804
5,211,129
6,445,810
6,458,628
2,170,949
2,940,508
3,534,950
1,021,680
2,821,099
2,570,843
904,799
1,688,408
2,017,545
481,499
291,143
379,426
318,280
650,504
1,257,528
269,911
526,253
844,813
300,000
300,000
300,000
0.00
0.30
0.30
0.00
0.00
0.00
(122,713)
114,425
412,255
3.98%
8.21%
13.29%
2.18%
0.04
6.56%
0.90
1.75
2.82
41.68%
57.42%
57.07%
178.39%
55.32%
44.91%
50.64%
22.22%
0.25
14.82%
19.28%
0.12
44.67%
37.63%
45.29%
54.84%
51.15%
49.36%
22.62
21.37
21.19
-45.46%
21.74%
0.49
2011

(Thousand Rupees)
2009
2010
2011
225,810
230,837
242,607
350,000
350,000
350,000
(124,190)
(119,163)
(107,393)
505,279
689,085
824,125
122,024
683,269
687,733
383,255
5,816
136,392
731,089
919,922
1,066,732
161,010
217,889
236,273
45,118
50,654
54,182
521,878
643,136
767,957
3,083
8,243
8,320
10,942
6,221
3,441
480,130
504,873
566,835
199,656
166,770
224,914
196,405
195,243
297,079
106,295
91,135
143,668
10,942
4,890
19,981
16,854
5,090
8,424
16,854
5,027
11,770
35,000
35,000
35,000
0.00
0.00
0.00
0.00
0.00
0.00
(56,889)
44,113
(9,543)
7.46%
2.18%
4.85%
2.31%
0.55%
0.01
0.48
0.14
0.34
53.24%
54.65%
63.88%
64.92%
97.27%
169.76%
5.48%
3.73%
1.53%
22.02%
23.69%
22.15%
6.17%
5.51%
5.08%
30.89%
25.09%
22.74%
6.45
6.60
6.93
-337.54%
877.52%
-81.08%
2011
(Thousand Rupees)
2009
2010
2011
1,774,340
1,842,658
1,838,009
263,323
302,821
302,821
1,270,025
1,270,025
1,345,025
240,992
269,812
190,163
1,014,379
1,258,622
1,463,640
649,875
843,830
1,005,827
364,504
414,792
457,813
2,788,719
3,101,280
3,301,649
220,578
153,847
186,633
2,412
1,706
1,000
1,302,087
1,399,216
1,346,206
1,067,030
1,293,978
1,515,190
196,612
252,533
252,620
222,181
158,638
143,448
620,729
728,833
893,245
335,456
376,719
462,416
367,395
411,069
610,838
149,398
168,204
218,828
20,952
16,882
4,949
79,653
141,746
90,009
53,343
120,983
71,056
52,665
60,564
60,564
0.20
0.25
0.20
0.15
0.15
0.00
(56,802)
(48,672)
(92,662)
3.01%
6.57%
3.87%
1.91%
0.04
2.15%
1.01
2.00
1.17
44.54%
44.65%
47.32%
39.28%
13.95%
6.96%
66.23%
42.11%
31.02%
7.91%
4.96%
5.65%
46.69%
45.12%
40.77%
63.63%
59.42%
55.67%
33.69
30.42
30.35
-106.48%
-40.23%
-130.41%
2011
(Thousand Rupees)
2009
2010
2011
322,582
374,517
450,561
252,002
252,002
318,940
92,605
87,500
90,000
(22,025)
35,015
41,621
581,766
528,942
593,506
498,766
457,421
494,137
83,000
71,521
99,369
904,348
903,459
1,044,067
63,046
57,541
79,824
1,061
756
922
282,690
284,605
341,674
493,071
495,898
560,732
64,480
64,659
60,915
53,862
54,861
94,085
517,474
503,427
553,815
326,555
267,920
238,706
260,579
233,442
224,614
227,456
96,430
86,322
(51,986)
31,930
15,244
(30,994)
56,684
82,544
(32,644)
51,934
76,044
25,200
25,200
31,894
0.00
0.00
0.08
0.10
0.13
0.13
(91,355)
(58,624)
(6,862)
-10.12%
13.87%
16.88%
-3.61%
5.75%
7.28%
-1.30
2.06
2.38
69.65%
35.99%
36.16%
159.25%
61.48%
20.05%
16.49%
20.48%
39.41%
6.97%
6.37%
7.65%
31.26%
0.32
32.73%
35.67%
41.45%
43.15%
12.80
14.86
14.13
279.85%
-112.88%
-9.02%
2011

(Thousand Rupees)
2009
2010
2011
200,869
158,141
182,544
325,000
325,000
325,000
0(124,131)
0
(166,859)
0321,830
(142,456)
0
243,826
0-
246,329
0
299,819
232,079
221,356
22,011
11,747
24,973
522,699
401,967
428,873
32,389
50,676
62,986
672
872
347
100,488
77,633
82,342
357,867
247,210
250,723
31,283
25,576
32,475
10,793
3,463
7,453
267,730
202,260
199,712
124,851
82,071
93,468
144,837
120,340
58,676
69,939
69,765
16,427
(8,221)
(41,545)
21,020
1,472
(41,543)
25,338
847
(42,728)
24,403
32,500
32,500
32,500
0.00 -
0.00
0.00 -
0.00
(66,841)
(27,744)
22,208
0.42%
-27.02%
13.37%
0.16%
-10.63%
5.69%
0.03
-1.31
0.75
56.02%
85.01%
17.57%
-9.71
97.23%
86.14%
8.64%
4.22%
7.97%
0.06
12.61%
14.69%
19.22%
19.31%
0.19
38.43%
39.34%
42.56%
6.18
4.87
5.62
-78.92
64.93%
91.01%
2011
(Thousand Rupees)
2009
2010
2011
6,711,035
6,948,568
7,133,710
680,625
680,625
680,625
2,000
2,000
2,000
6,028,410
6,265,943
6,451,085
992,095
1,004,648
787,469
304,077
376,546
428,976
688,018
628,102
358,493
7,703,130
7,953,216
7,921,179
45,065
42,541
56,740
7,116,566
7,295,085
7,211,211
455,751
530,285
565,889
85,748
85,305
87,339
446,250
496,436
508,665
306,795
306,795
435,692
120,201
127,007
155,379
66,835
66,835
144,095
31,282
34,909
52,709
47,155
50,465
47,583
329,473
410,754
457,157
314,439
373,657
389,330
653,272
68,063
68,063
0.10
0.00
0.30
0.00
0.00
0.00
(17,521)
(107,591)
(138,729)
4.69%
5.38%
5.46%
4.08%
0.05
4.92%
0.48
5.49
5.72
26.02%
27.49%
33.92%
0.15
13.51%
12.22%
371.25%
390.87%
327.37%
0.59%
0.53%
0.72%
92.39%
91.72%
91.04%
87.12%
87.37%
90.06%
10.27
102.09
104.81
-5.57%
-28.79%
-35.63%
2011
(Thousand Rupees)
2009
2010
2011
225,253
196,220
265,465
200,000
200,000
250,000
20,000
20,000
20,000
5,253
(23,780)
(4,535)
504,417
521,486
567,056
645,674
437,230
475,708
(141,257)
84,256
91,348
729,670
717,706
832,521
132,727
136,970
26,324
1,390
2,137
2,774
182,609
160,273
81,085
361,726
357,835
538,027
51,218
60,491
184,311
100,650
16,671
11,654
645,743
542,760
606,867
481,636
417,389
482,963
391,264
343,555
332,393
267,997
263,041
247,643
49,155
20,267
83,566
21,002
(23,476)
25,199
17,466
(29,033)
19,245
20,000
20,000
25,000
0.00
0.00
0.00
0.00
0.00
0.00
(73,685)
(30,241)
(120,351)
7.75%
-0.15
7.25%
2.39%
-4.05%
2.31%
0.87
-1.45
0.77
55.64%
63.02%
51.28%
281.43%
-69.81%
434.22%
0.21
3.99%
2.41%
18.19%
19.08%
3.16%
25.03%
22.33%
9.74%
30.87%
27.34%
31.89%
11.26
9.81
10.62
-421.88%
104.16%
-625.36%
2011
(Thousand Rupees)
2009
2010
2011
355,281
392,780
441,457
210,938
253,125
305,648
52,750
63,350
76,500
91,593
76,305
59,309
36,829
60,620
60,397
191,942
293,029
335,209
3,934
437,230
216,201
188,008
(144,201)
119,008
584,052
746,429
837,063
315,872
328,766
324,146
8,167
6,697
3,774
42,692
47,614
76,894
120,297
218,491
283,866
97,024
144,861
148,383
19,549
8,997
3,493
220,984
231,572
278,545
147,869
154,114
188,429
72,052
119,445
97,102
28,462
40,909
33,999
58,972
50,892
69,821
38,698
38,733
48,137
(4,625)
37,291
48,454
21,094
25,313
30,565
0.00
0.15
0.00
0.00
0.00
0.05
45,454
27,674
45,396
-0.01
9.49%
10.98%
-0.79%
0.05
5.79%
-0.22
1.47
1.59
19.25%
26.54%
18.04%
-1275.07%
136.47%
1.44
13.22%
5.84%
1.85%
54.08%
44.05%
38.72%
7.31%
6.38%
9.19%
60.83%
52.62%
52.74%
16.84
15.52
14.44
-982.79%
74.21%
93.69%
2011
(Thousand Rupees)
2009
2010
2011
819
1,234
2,831
2,831
(2,012)
(1,597)
8,395
8,395
2,074
2,971
1,108
1,576
966
1,395
11,288
12,600
65
286
9,760
10,160
1,380
2,066
83
88
2,545
2,545
1,163
2,236
184
1,055
(457)
439
(468)
414
0.00
0.00
0.00
0.00
(113)
718
-57.14%
33.55%
-4.15%
3.29%
0.00
0.36%
-39.32%
254.83%
0.00
0.00
0.58%
2.27%
86.46%
80.63%
7.26%
-
9.79%
-
24.15%
173.43%
2011

(Thousand Rupees)
2010
2011
2009
312,139
313,884
300,000
300,000
6,975
7,411
5,164
6,473
618,063
617,268
7,093
5,086
5,805
3,615
1,288
1,471
937,295
936,238
12,211
12,153
5,018
5,508
2,504
2,037
917,562
916,540
2,506
2,908
6,142
6,142
9,018
5,247
119
119
2,314
(44)
(3,468)
(3,112)
1,644
2,306
736
1,746
30,000
30,000
0.00
0.00
0.00
0.00
(5,285)
(5,720)
0.24%
0.56%
0.08%
0.19%
0.02
0.06
25.66%
-0.84%
-4.71
-178.24%
27.79%
55.42%
0.01
0.01
0.54%
0.59%
0.33
33.53%
10.40
10.46
-718.07%
-327.61%
2011

(Thousand Rupees)
2009
2010
2011
79,165
82,909
84,336
121,000
121,000
121,000
26,265
26,265
26,264
(68,100)
(64,356)
(62,928)
21,108
21,108
21,108
137,504
110,589
96,934
107,219
100,982
89,281
30,285
9,607
7,653
237,777
214,606
202,378
18,062
15,068
10,457
35,220
29,739
24,106
139,247
128,110
126,126
45,248
41,689
41,689
(25,009)
1,911
396
117,441
93,893
74,157
60,230
35,025
39,349
34,476
21,095
18,372
26,139
25,835
15,562
(43,379)
4,605
2,220
(30,483)
3,744
1,427
105,364
-
12,100
-
12,100
12,100
0.00
0.00
0.00
0.00
(17,950)
(9,045)
(9,704)
-38.51%
4.52%
1.69%
-12.82%
1.74%
0.71%
-2.52
0.31
0.12
32.72%
28.45%
0.31
-85.75%
690.04%
1090.54%
-23.74%
2.58%
0.66%
0.08
7.02%
5.17%
14.81%
13.86%
11.91%
33.29%
38.63%
41.67%
6.54
6.85
6.97
58.89%
-241.59%
-680.03%
2011

(Thousand Rupees)
2009
2010
2011
362,066
351,640
404,367
200,000
250,000
300,000
55,000
105,000
100,000
107,066
(3,360)
4,367
6,810
11,072
10,743
175,891
231,474
290,868
123,540
158,302
239,603
52,351
73,172
51,265
544,767
594,186
705,978
138,214
90,857
118,604
106
181
193
170,044
252,578
181,812
141,172
161,809
323,123
95,231
88,761
82,246
8,361,941
9,263
8,319
219,395
261,643
345,416
109,891
110,546
142,680
122,925
181,579
217,510
29,170
68,862
65,955
54,970
21,239
48,400
105,448
(1,658)
33,123
84,659
4,826
52,398
20,000
25,000
30,000
0.00
0.00
9.09%
0.00
0.05
0.05
15,677
33,763
(55,599)
23.38%
1.37%
12.96%
15.54%
0.81%
7.42%
4.23
0.19
1.75
26.54%
62.29%
46.23%
64.93%
4.40
92.37%
76.09
8.38%
5.83%
25.37%
15.29%
0.17
31.21%
42.51%
25.75%
66.46%
59.18%
57.28%
18.10
14.07
13.48
18.52%
699.61%
-106.11%
2011

(Thousand Rupees)
2009
2010
2011
193,762
364,200
310,000
452,313
(116,238)
(88,113)
368,771
408,640
264,347
314,761
104,424
93,879
562,533
772,840
5,099
22,665
503
769
29,848
159,056
247,234
330,243
279,849
260,107
3,978
8,521
409,416
513,332
331,294
453,632
198,477
246,669
141,860
171,289
19,117
76,656
(14,052)
41,499
(19,756)
28,125
31,000
45,231
0.00
0.05
0.00
0.00
44,560
73,349
-0.10
7.72%
-3.51%
3.64%
-0.64
0.62
42.82%
37.76%
-96.77%
272.55%
0.01
1.88%
0.91%
2.93%
5.31%
20.58%
34.44%
47.12%
6.25
8.05
-225.55%
2.61
2011
(Thousand Rupees)
2009
2010
2011
226,845
500,128
628,054
500,000
800,000
800,000
(273,155)
(299,872)
(171,946)
615,718
583,126
722,153
551,215
437,230
641,084
64,503
145,896
81,069
842,563
1,083,254
1,350,207
18,989
27,389
14,773
1,473
795
961
204,999
378,957
513,791
551,624
629,648
785,886
65,478
46,465
34,796
1,920
28,768
70,920
579,037
624,604
644,728
264,807
238,765
252,755
481,742
459,886
446,328
234,206
165,537
165,569
(44,409)
26,666
33,354
(126,278)
(17,644)
33,347
(127,579)
(20,945)
127,926
50,000
80,000
80,000
0.00
0.00
0.00
0.00
0.00
0.00
(122,447)
(141,987)
54,098
-56.24%
-4.19%
20.37%
-15.14%
-1.93%
9.47%
-2.55
-0.26
1.60
88.44%
69.33%
65.51%
34.81%
-127.31%
26.07%
0.73%
12.05%
28.06%
2.25%
2.53%
1.09%
24.33%
34.98%
38.05%
26.92%
46.17%
46.52%
4.54
6.25
7.85
95.98%
6.78
42.29%
2011

(Thousand Rupees)
2010
2011
2009
46,507
42,431
81,600
81,600
7,463
7,463
(42,556)
(46,632)
54
54
10,982
9,538
7,583
6,655
3,399
2,883
57,543
52,023
8,462
5,692
1,126
1,126
13,250
13,165
34,705
32,040
100
265
(2,123)
1,483
(6,160)
(4,076)
(6,160)
(4,076)
8,160
8,160
0.00
0.00
0.00
0.00
(2,605)
(3,120)
-13.25%
-9.61%
-10.71%
-7.83%
-0.75
-0.50
-24.07%
0.00
-
14.71%
10.94%
1.96%
2.16%
80.82%
81.56%
5.70
5.20
42.29%
76.55%
2011
(Thousand Rupees)
2009
2010
2011
548,344
666,806
764,809
345,000
400,200
496,248
75,116
75,116
75,116
128,228
191,490
193,445
1,479
1,405
1,335
468,499
569,915
678,628
294,799
359,407
509,969
173,700
210,508
168,659
1,018,322
1,238,126
1,444,772
218,843
251,676
271,519
1,664
3,621
5,975
96,537
135,995
137,638
393,835
424,740
676,760
307,443
422,094
352,880
10,824
21,023
18,085
638,266
806,253
923,785
423,731
550,559
643,736
239,503
349,167
413,269
121,560
175,550
262,777
205,471
277,226
259,222
72,792
133,537
114,473
64,421
118,387
97,933
34,500
40,020
49,625
0.00
0.00
0.00
0.00
0.24
0.15
134,972
151,854
173,974
11.75%
17.75%
0.13
6.33%
9.56%
6.78%
1.87
2.96
1.97
28.69%
31.89%
40.82%
318.95%
234.17%
264.69%
2.55%
3.82%
2.81%
21.49%
20.33%
18.79%
9.48%
10.98%
9.53%
53.85%
53.86%
52.94%
15.89
16.66
15.41
209.52%
128.27%
177.65%
2011
(Thousand Rupees)
2009
2010
2011
265,093
232,997
207,765
210,000
262,500
300,000
10,614
14,127
14,249
44,479
(43,630)
(106,484)
120,326
211,373
230,544
618,599
660,217
630,863
131,000
567,722
513,322
487,599
92,495
117,541
1,004,018
1,104,587
1,069,172
158,900
88,309
129,652
773
643
1,096
54,757
160,175
135,201
553,047
608,409
546,617
236,541
247,051
256,606
16,320
8,172
6,180
556,737
512,126
483,551
360,799
328,663
292,305
293,790
355,874
214,718
181,590
177,037
143,400
57,840
(17,243)
(2,023)
11,933
(103,433)
(110,583)
8,850
(86,485)
(64,808)
21,000
26,250
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(167,136)
(101,480)
(26,286)
3.34%
-37.12%
-31.19%
0.88%
-7.83%
-6.06%
0.42
-3.29
-2.16
50.33%
53.87%
49.06%
653.56%
19.94%
3.12%
4.52%
2.49%
2.11%
15.83%
7.99%
12.13%
5.45%
0.15
12.65%
0.26
21.09%
19.43%
12.62
8.88
6.93
-1888.54%
117.34%
40.56%
2011
(Thousand Rupees)
2009
2010
2011
1,982,352
1,601,935
1,606,105
2,290,772
2,366,653
2,468,429
46,713
89,609
(308,420)
(811,431)
(951,933)
(7,430)
(7,429)
(10,090)
946,861
1,746,964
2,963,189
43,741
681,660
1,618,558
497,859
1,022,476
945,447
405,261
42,828
399,184
2,921,783
3,341,470
4,559,204
873,776
1,036,205
1,635,326
1,025,765
1,089,272
1,481,268
702,599
930,545
1,207,438
319,643
285,448
235,172
73,881
144,358
178,641
1,004,939
1,932,885
2,953,964
755,305
756,281
994,129
764,849
708,682
890,373
541,915
575,022
572,542
109,957
(118,275)
(46,026)
(255,378)
(230,434)
(57,506)
(118,974)
(142,654)
(44,412)
229,077
236,665
246,843
N/A
N/A
N/A
N/A
N/A
N/A
(367,162)
11,688
693,636
-0.06
-8.91%
-2.77%
-4.07%
-4.27%
-0.97%
-0.52
-0.60
-0.18
71.75%
76.03%
57.59%
-92.42%
82.91%
103.63%
9.78%
19.09%
17.97%
29.91%
31.01%
35.87%
35.11%
0.33
32.49%
67.85%
47.94%
35.23%
8.65
6.77
6.51
308.61%
-8.19%
-1561.82%
2011
(Thousand Rupees)
2009
2010
2011
718,407
652,846
562,470
750,000
750,000
750,000
(31,593)
(97,154)
(187,530)
(10,090)
(10,090)
(10,090)
63,757
175,373
321,224
24,342
97,413
205,169
15,917
76,834
32,217
23,498
1,126
83,838
772,074
818,129
873,604
132,123
163,787
244,821
451,454
393,943
333,157
115,008
176,361
241,453
73,489
84,038
54,173
55,689
47,452
29,865
49,823
203,653
326,254
129,975
203,715
7,079
19,716
20,949
2,228
5,287
6,323
(42,834)
(105,270)
(115,532)
(32,605)
(65,561)
(90,376)
75,000
75,000
75,000
0.00
0.00
0.00
0.00
0.00
0.00
(87,079)
(46,413)
(18,495)
-4.54%
-10.04%
-16.07%
-4.22%
-8.01%
-10.35%
-0.43
-0.87
-1.21
4.07%
0.03
0.00
0.00
36.51%
14.66%
17.11%
20.02%
28.02%
58.47%
48.15%
38.14%
93.05%
0.80
64.39%
9.58
8.70
7.50
0.00
-
267.07%
70.79%
20.46%
2011
(Thousand Rupees)
2009
2010
2011
387,714
189,529
199,730
400,000
400,000
400,000
46,713
89,609
(12,286)
(257,184)
(289,879)
141,046
417,185
481,307
(41,204)
141,933
323,033
366,979
40,317
94,152
114,328
528,760
606,714
681,037
270,181
277,407
257,599
42,461
54,646
56,871
180,176
240,928
336,960
35,942
33,733
29,607
610
1,904
1,499
256,734
322,967
410,924
159,952
239,644
266,026
219,145
250,424
305,855
197,534
229,144
225,946
68,370
(67,902)
(39,914)
12,345
64,352
49,318
10,151
59,000
42,895
40,000
40,000
40,000
0.00
0.00
0.00
0.00
0.00
0.00
29,175
(13,192)
(51,536)
2.62%
31.13%
21.48%
1.92%
9.72%
0.06
0.25
1.48
1.07
1.24
95.62%
84.93%
673.53%
-115.09%
-93.05%
0.38%
0.79%
0.56%
0.51
45.72%
37.82%
8.03%
9.01%
8.35%
73.33%
31.24%
29.33%
9.69
4.74
4.99
287.41%
-22.36%
-120.14%
2011
(Thousand Rupees)
2009
2010
2011
431,155
362,279
434,160
532,972
608,853
710,629
(101,817)
(246,574)
(276,469)
122,170
715,126
1,637,879
64,110
575,702
1,400,522
56,399
136,034
181,681
1,661
3,390
55,676
553,325
1,077,405
2,072,039
84,327
349,256
811,894
255,437
406,802
902,195
99,415
219,453
268,745
114,146
101,894
89,205
8,478
17,636
23,435
26,838
1,043,143
1,865,386
125,102
152,300
272,569
25,534
158,833
262,391
21,820
100,580
130,547
74,195
(115,278)
(105,771)
(4,373)
(72,365)
(72,027)
(9,395)
53,297
60,885
71,063
0.00
0.00
0.00
0.00
0.00
0.00
(63,071)
304,614
780,441
-16.78%
-19.88%
-2.16%
-13.08%
-6.69%
-0.45%
-1.36
-1.18
-0.13
17.44%
66.04%
0.48
-102.53%
0.00
0.00
6.78%
11.58%
0.09
15.24%
32.42%
39.18%
46.16%
37.76%
43.54%
77.92%
33.63%
20.95%
8.09
5.95
6.11
87.16%
-422.92%
-8306.98%
2011

(Thousand Rupees)
2009
2010
2011
279,094
266,740
275,297
307,800
307,800
307,800
(28,706)
(41,060)
(32,503)
2,660
2,661
112,824
105,971
168,325
117,779
49,345
145,932
(4,955)
56,626
22,393
394,578
375,372
443,622
30,164
14,316
81,817
221,674
184,810
131,274
90,283
140,453
188,142
52,457
35,793
42,389
1,920
75,803
121,756
579,037
141,503
171,214
264,807
87,425
103,051
481,742
162,401
187,398
234,206
137,620
136,142
(44,409)
(126,278)
(43,694)
11,247
(1,301)
(28,625)
8,557
30,780
30,780
30,780
0.00
0.00
0.00
0.00
0.00
0.00
(122,446)
(77,219)
(7,893)
-0.47%
-10.73%
3.11%
-0.33%
-7.63%
1.93%
-0.04
-0.93
0.28
88.44%
157.41%
132.11%
3413.45%
0.00
0.00
0.73%
86.71%
118.15%
7.64%
3.81%
18.44%
56.18%
49.23%
29.59%
70.73%
71.06%
62.06%
9.07
8.67
8.94
9411.68%
269.76%
-92.24%
2011

(Thousand Rupees)
2009
2010
2011
165,982
130,541
134,448
300,000
300,000
300,000
(134,018)
(169,459)
(165,552)
507,064
333,309
354,454
(3,507)
8,545
12,867
165,831
437,230
218,638
344,740
(112,466)
122,949
673,046
463,850
488,902
356,981
231,439
239,195
54,739
49,071
57,771
217,717
153,350
172,138
43,609
29,990
19,798
7,184
1,563
2,086
92,507
221,619
180,186
205,444
146,937
148,768
31,349
117,308
113,780
86,127
102,391
73,584
11,801
(50,373)
(6,112)
16,667
(40,051)
1,834
(22,854)
(35,441)
3,907
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(123,741)
(156,102)
(8,881)
-13.77%
-27.15%
2.91%
-0.03
-7.64%
0.01
-0.76
-1.18
0.13
41.92%
69.68%
49.46%
-51.64%
142.13%
-156.44%
0.04
1.06%
0.01
53.04%
0.50
48.92%
8.13%
10.58%
11.82%
24.66%
28.14%
0.28
5.53
4.35
4.48
541.44%
440.46%
-227.31%
5.0
1%
0.0
0%
0%
Total
Total Equity
Total Assets
Liabilities
FY 10
2.2
17.1
19.2
FY 11
2.3
17.1
19.6
Growth
5%
0%
2%
FY 10
FY 11
Current Assets Non-Current
Current
Non-Current
Assets
Liabilities
Liabilities
10,000
5,000
2011
(Thousand Rupees)
2009
2010
2011
2,050,067
2,172,422
2,291,191
3,127,164
3,144,098
3,144,098
498,463
520,969
545,062
(1,575,560)
(1,492,645)
(1,397,969)
2,107
(18,759)
213,130
16,098,002
17,067,528
17,053,189
16,075,420
17,048,185
17,021,332
22,582
19,343
31,857
22,582
19,343
31,857
18,150,176
19,221,191
19,557,510
18,077,225
19,141,486
19,403,106
219,559
156,235
507,360
17,857,666
18,985,251
18,895,746
72,951
79,705
154,404
13,622
27,521
26,537
59,329
52,184
127,867
1,282,353
1,555,757
1,956,968
1,297,638
1,386,629
1,710,661
(79,008)
133,131
168,973
(109,591)
105,421
118,769
312,716
314,410
314,410
N/A
N/A
N/A
N/A
N/A
N/A
651,531
2,324,105
2,438,307
-5.35%
4.85%
5.18%
-5.28%
4.85%
4.68%
-0.01
0.55%
0.61%
-16.42
10.42
10.12
-0.35
0.34
0.38
1.21%
0.81%
2.59%
1.12
1.12
1.14
0.89
0.89
0.87
0.08%
0.14%
0.14%
0.11
0.11
11.72%
6.56
6.91
7.29
-5.95
22.05
20.53
0.04
0.14
0.14
2011
(Thousand Rupees)
2009
2010
2011
125,688
135,511
133,813
126,164
143,098
143,098
12,973
12,973
12,973
(13,449)
(20,560)
(22,258)
2,685
36,983
32,535
51,035
14,401
13,192
19,178
22,582
19,343
31,857
22,582
19,343
31,857
165,356
168,046
184,848
92,405
88,341
30,444
790
460
796
91,615
87,881
29,648
72,951
79,705
154,404
13,622
27,521
26,537
59,329
52,184
127,867
13,544
6,843
11,844
14,093
13,889
13,029
(896)
(7,080)
(1,607)
(896)
(7,111)
(1,698)
12,616
14,310
14,310
0.00
0.00
0.00
0.00
0.00
0.00
3,720
14,502
430
-0.71%
-5.25%
-1.27%
-0.59%
-4.59%
-1.02%
-0.54%
-4.23%
-0.92%
-15.73
-1.96
-8.11
-0.07
-0.50
-0.12
0.48%
0.27%
0.43%
6.42
6.70
1.59
0.22
0.19
0.28
8.24%
16.38%
14.36%
76.01%
80.64%
72.39%
9.96
9.47
9.35
-4.15
-2.04
-0.25
0.26
1.10
0.02
2011

(Thousand Rupees)
2009
2010
2011
1,924,379
2,036,911
2,157,378
3,001,000
3,001,000
3,001,000
485,490
507,996
532,089
(1,562,111)
(1,472,085)
(1,375,711)
(578)
(18,759)
213,130
16,061,019
17,034,993
17,002,154
16,061,019
17,034,993
17,002,154
17,984,820
19,053,145
19,372,662
17,984,820
19,053,145
19,372,662
218,769
155,775
506,564
17,766,051
18,897,370
18,866,098
0-
1,268,809
1,548,914
1,945,124
1,283,545
1,372,740
1,697,632
(78,112)
140,211
170,580
(108,695)
112,532
120,467
300,100
300,100
300,100
0.00
0.00
0.00
0.00
0.00
0.00
647,811
2,309,603
2,437,877
-5.65%
5.52%
5.58%
-5.65%
5.58%
5.08%
-0.01
0.59%
0.62%
-16.43
9.79
9.95
-0.36
0.37
0.40
1.22%
0.82%
2.61%
1.12
1.12
1.14
0.89
0.89
0.88
0.00
0.00
0.00
0.11
10.69%
11.14%
6.41
6.79
7.19
-5.96
20.52
20.24
0.04
0.14
0.14
0%
-10%
-18%
-20%
-30%
-59%
-60%
-70%
Total
Total
Total
Equity
Liabilities
Assets
-1.3
6.8
6.2
-2.1
6.5
5.1
-59%
-4%
-18%
Admin & Opr. Expense
Financial Charges
10.2
9.5
FY 10
2.9
2.8
0.2
0.2
FY 11
2011
(Thousand Rupees)
2009
2010
2011
(375,302)
(1,339,491)
(2,128,737)
4,205,980
4,205,980
4,205,980
290,145
237,605
162,223
(4,871,427)
(5,783,076)
(6,496,940)
769,105
743,249
667,521
6,390,690
6,769,505
6,511,448
5,765,399
6,348,032
6,057,018
625,291
421,473
454,430
6,784,493
6,173,263
5,050,232
2,728,074
3,565,932
2,772,110
321,524
542,959
464,660
2,406,550
3,022,973
2,307,450
4,056,419
2,607,331
2,278,122
3,929,756
2,399,507
2,110,508
126,663
207,824
167,614
10,367,521
9,526,726
10,247,746
3,270,874
2,881,637
2,784,555
288,659
233,972
225,077
(1,935,167)
(1,600,143)
(1,075,243)
(1,948,392)
(1,580,976)
(1,127,043)
420,598
420,598
420,598
N/A
N/A
N/A
N/A
N/A
N/A
(229,951)
(53,271)
(1,013,494)
519.15%
118.03%
52.94%
-191.19%
904.61%
111.94%
-28.72%
-25.61%
-22.32%
-18.79%
-0.17
-0.11
31.55%
30.25%
27.17%
-4.63
-3.76
-2.68
4.74%
0.09
0.09
0.47
0.56
0.46
0.94
1.10
1.29
-5.53%
-0.22
-42.15%
-0.89
-3.18
-5.06
0.12
0.03
0.90
-0.04
-0.01
-0.17
2011

(Thousand Rupees)
2009
2010
2011
14,727
15,757
15,711
25,073
25,073
25,073
752
752
752
(11,098)
(10,068)
(10,114)
20,891
20,891
20,892
17,025
4,397
1,384
17,025
4,397
1,384
52,643
41,045
37,987
35,590
35,486
33,233
396
380
229
35,194
35,106
33,004
17,053
5,559
4,754
7,033
5,539
4,734
10,020
20
20
(37,165)
5,354
2,663
13,998
3,191
1,536
172
6-
(14,207)
1,759
1,126
(14,207)
1,030
889
2,507
2,507
2,507
0.00
0.00 -
0.00
0.00 -
(19,148)
3,531
3,231
-96.47%
6.54%
5.66%
-39.89%
2.81%
2.43%
-26.99%
2.51%
2.34%
38.23%
19.24%
33.38%
-37.66%
0.60
57.68%
-5.67
0.41
0.35
0.75%
0.93%
0.01
2.09
8.07
24.01
0.32
0.11
0.04
27.98%
38.39%
41.36%
5.87
6.29
6.27
1.35
3.43
3.63
-1.12
0.80
2.33
2011

(Thousand Rupees)
2009
2010
2011
222,187
222,187
222,187
300,000
300,000
300,000
(77,813)
(77,813)
(77,813)
244,337
244,337
244,337
244,337
244,337
244,337
0-
466,524
466,524
466,524
124,373
124,373
124,373
124,366
124,366
124,366
342,151
342,151
342,151
304,128
304,128
304,128
38,023
38,023
38,023
18,926
18,926
18,926
1,334
1,334
1,334
29,212
29,212
29,212
428
428
428
(11,469)
(11,469)
(11,469)
30,000
30,000
30,000
0.00
0.00 -
0.00
0.00 -
26,040
26,040
26,040
-5.16%
-5.16%
-5.16%
-5.16%
-5.16%
-5.16%
-2.46%
-2.46%
-2.46%
-0.61
-0.61
-0.61
7.05%
7.05%
7.05%
-0.38
-0.38
-0.38
0.00
0.00
0.00
0.51
0.51
0.51
0.52
0.52
0.52
47.63%
47.63%
47.63%
7.41
7.41
7.41
-2.27
-2.27
-2.27
0.11
0.11
0.11
2011

(Thousand Rupees)
2009
2010
2011
1,146
1,146
1,146
27,000
27,000
27,000
(25,854)
(25,854)
(25,854)
7,681
7,681
7,681
6,415
6,415
6,415
1,266
1,266
1,266
8,827
8,827
8,827
6,437
6,437
6,437
6,428
6,428
6,428
2,390
2,390
2,390
2,390
2,390
2,390
7,500
7,500
7,500
14,888
14,888
14,888
431
431
431
(6,315)
(6,315)
(6,315)
(6,315)
(6,315)
(6,315)
2,700
2,700
2,700
0.00
0.00 -
0.00
0.00 -
644
644
644
-551.05%
-551.05%
-551.05%
-261.82%
-261.82%
-261.82%
-71.54%
-71.54%
-71.54%
-0.84
-0.84
-0.84
198.51%
198.51%
198.51%
-2.34
-2.34
-2.34
0.00
0.00
0.00
1.00
1.00
1.00
0.87
0.87
0.87
12.98%
12.98%
12.98%
0.42
0.42
0.42
-0.10
-0.10
-0.10
0.10
0.10
0.10
2011
(Thousand Rupees)
2009
2010
2011
(613,362)
(1,578,581)
(2,367,781)
3,853,907
3,853,907
3,853,907
289,393
236,853
161,471
(4,756,662)
(5,669,341)
(6,383,159)
748,214
722,358
646,629
6,121,647
6,513,090
6,258,046
5,497,622
6,092,883
5,804,882
624,025
420,207
453,164
6,256,499
5,656,867
4,536,894
2,561,674
3,399,636
2,608,067
321,112
542,563
464,415
2,240,562
2,857,073
2,143,652
3,694,825
2,257,231
1,928,827
3,618,595
2,089,840
1,801,646
76,230
167,391
127,181
10,378,260
9,494,946
10,218,657
3,240,654
2,862,224
2,766,797
258,844
204,323
195,434
(1,915,073)
(1,596,015)
(1,070,482)
(1,916,401)
(1,564,222)
(1,110,148)
385,391
385,391
385,391
0.00
0.00 -
0.00
0.00 -
(237,487)
(83,486)
(1,043,409)
312.44%
99.09%
46.89%
-252.53%
358.75%
87.55%
-30.63%
-27.65%
-24.47%
-18.47%
-16.47%
-10.86%
31.23%
30.14%
27.08%
-4.97
-4.06
-2.88
5.13%
9.59%
10.24%
0.47
0.56
0.45
0.98
1.15
1.38
-0.10
-27.91%
-52.19%
-1.59
-4.10
-6.14
0.12
0.05
0.94
-0.04
-0.01
-0.18
Company
#
C.
D.
17 Samba Bank Limited
52
18 SilkBank Limited (Saudi Pak Ban
53
19 Soneri Bank Ltd.
54
20 Standard Chartered Bank Ltd. Pak
55
21 Summit Bank Limited
56
22 United Bank Ltd
57
Specialized Banks (4)

1 I.D.B.P.
59
2 SME Bank Ltd
60
3 Punjab Provincial Co-op. Bank
61
4 Z.T.B.L
62
Foreign Banks (7)

1 Barclays Bank PLC
64
2 Citi Bank N.A
65
3 Deutsche Bank Limited
66
4 The Hong Kong and Shanghai Ban
67
5 Industrial and Commercial Bank
68
Limited
6 Oman International Bank S.A.O.G
69
7 The Bank of Tokyo-Mitsubishi Lt
70
Development Finance
Institutions (7)*
1 Pair Investment Company
75
2 Pak Brunei Investment Company
76
3 Pak China Investment Company L
77
4 Pak Kuwait Investment Company
78
2011
Page.
Company
#
2 Asian Stocks Fund Limited
109
3 Atlas Fund of Funds
110
4 First Capital Mutual Fund Limite
111
5 First Dawood Mutual Fund
112
113
Golden Arrow Selected Stocks Fund Limited
7 JS Growth Fund
114
8 JS Value Fund
115
9 Meezan Balanced Fund
116
10 NAMCO Balanced Fund
117
11 PICIC Energy Fund
118
12 PICIC Growth Fund
119
13 PICIC Investment Fund
120
14 Pak Oman Advantage Fund
121
15 Safe-way Mutual Fund
122
Modarba Companies (26)**

1 Modarba Al-Mali
126
2 Al- Noor Modarba
127
3 Allied Rental Modaraba
128
4 B.F Modaraba
129
5 B.R.R. Guardian Modaraba
130
6 Constellation Modarba
131
7 Crescent Standard Modaraba
132
8 Elite Capital Modarba
133
134
Equity Modarba
10 Fidelity Leasing Modarba
135
11 First Imrooz Modaraba
136
2011
Page.
Company
#
166
12 SIBL Exchange Co.
167
13 Malik Exchange (Pvt.) Ltd.
14 NBP Exchange Company Ltd.
168
15
169
Noble Exchange International (Pvt.) Ltd
16 P B S Exchange Company (Pvt.) L
170
17
171
Pakistan Currency Exchange Co. (Pvt.) Ltd.
18 Paracha International Exchange Co
172
Ltd.
19
173
Paragon Exchange Company (Pvt) Ltd.
20 Ravi Exchange Company Ltd
174
21 Riaz Exchange Co. (Pvt.) Ltd.
175
22 Royal International Exchange C
176
(Pvt.) Ltd.
23
177
Sky Exchange Company (Pvt) Ltd.
24 Wall Street Exchange Company (P
178
Life Insurance Companies (7)

1 Adamjee Life Assurance Company
184
2 American Life Insurance Compan
185
3 Asia Care Health & Life Insurance
186
4 East West Life Insurance Co., Ltd
187
5 EFU Life Assurance Company Ltd
188
6 Jubilee Life Insurance Company L
189
7 State Life Insurance Corporation
190
B.
Non-Life Insurance Companies

(38)
1 ACE Insurance Aid Pacific Ltd.
192
2 Adamjee Insurance Company Ltd
193
3 Agro General Insurance Company
194
4 Alflah Insurance Company Ltd
195

Company
2011
Page.
34 TPL Direct Insurance Company L
225
35 UBL Insurers Ltd
226
36 Union Insurance Company of Paki
227
37 United Insurance Company of Pak
228
38 Universal Insurance Company Ltd
229
C.
Takaful Companies (5)

1 Dawood Family Takaful Ltd.
231
2 Pak Kuwait Takaful Company Ltd
232
3 Pak Qatar Family Takaful Ltd.
233
4 Pak Qatar General Takaful Ltd.
234
5 Takaful Pakistan Ltd.
235
Housing Finance (2)**

1 Asian Housing Finance Ltd.
238
2 House Building Finance Company
239
Venture Capital (4)**

1 AKD Capital Ltd
242
2 AMZ Venture Capital
243
3 TMT Venture Capital
244
4 TRG Pakistan Limited
245
s of Balance Sheets
20%
15%
10%
10%
5%
0%
Total Assets
119.0
130.5
10%
rrowings in Total Liabilities
Others
Deposits
Borrowlings
15%
NPL to Adv.
13%
10%
11%
NPL to SHE
NPL Prov. To
NPL
to Rs
8.3 billion in
-1.8
-1.7
-20%
Billion Rs
MISC
DFL
BFI
3%
2%
1%
0%
-1%
-2%
-3%
2.9
1.6
2.9
1.6
-4%
-4%
-5%
FA
MISC
atement Analysis of Financial Sector
2011
Profit & Loss Account

FY 11
Growth%
150%
126%
111%
100%
50%
0%
1.0
-11%
-50%
0.2
0.1
-100%
AE
PBT
PAT
-0.7
-0.6
-150%
1.50%
0.20%
FY 10
ROA
ROR
FY 11
-12.20%
18.5
17.7
FY 10
FY 11
Other CA
-30%
-31%
-35%
Other NCA
Growth%
80%
66%
60%
45%
40%
PBT
PAT
-0.6
0%
-0.7
-1.3
-20%
-1.9
-40%
FY 10
FY 11
2011
70%
51%
50%
30%
10%
-10%
-30%
-50%
Other
Income
2.1
3.1
51%
71.30%
FY 10
FY 11
8.69%
0.11
6.82%
8%
10%
12%
20%
10%
6%
0%
-10%
-20%
-30%
Total Assets
7,191.50
7,604.90
6%
70%
60%
50%
40%
30%
20%
10%
FINANCIAL STATEMENTS ANALYSIS OF

FINANCIAL SECTOR
2011-2015
All Banks - Overall

Items
2011
2012
776,386,247
831,959,482
1.Share capital/head office capital account
452,485,660
466,753,970
2.Reserves
188,736,576
215,402,721
135,164,011
149,802,791
30,536,958
72,234,281
7,493,263,584
9,000,995,218
85,260,553
112,355,237
4.Others
1.Bills payable
686,412,036
1,039,499,543
6,322,513,825
7,418,591,233
399,077,170
430,549,205
8,300,186,789
9,905,188,981
702,349,942
842,680,067
190,465,013
216,654,370
210,389,899
171,443,515
4.Investments
3,079,024,212
4,065,836,308
5.Gross advances

3,838,026,440
4,309,850,177
573,055,250
602,668,663
397,792,547
428,409,314
3,440,233,893
3,881,440,863
9.Fixed assets
218,192,889
230,792,490
459,530,941
496,341,368
752,536,862
800,632,014
407,390,616
456,819,416
345,146,246
343,812,598
49,029,717
43,503,833
296,116,529
300,308,765
110,963,569
142,699,413
235,699,359
262,773,036
228,199,131
257,038,313
171,741,893
181,129,275
115,552,980
121,098,284
2,157,205,107
1,150,937,430
3,725,606,755
3,822,886,166
8.Advances net of provision (C5 - C7)

E.Other items

45.86%
42.94%
4.16%
3.47%
14.88%
14.56%
1.39%
1.22%
1.34%
1.44%
6.Net markup/interest income(after provisions) to total assets(D5/C)
3.57%
3.03%
54.14%
57.06%
8.Admin. expesne to profit before tax. (D8/D9)(times)
1.33
1.42
0.27
27.86%
10.Admin. expense to non-markup/interest income(D8/D6)(times)
2.06
1.80
10.76%
10.69%
0.37
41.05%
41.45%
39.19%
76.17%
0.75
90.28%
90.87%
0.61
0.58
54.76%
50.96%
1.Non-performing loans to gross advances (C6/C5)
14.93%
13.98%
10.36%
9.94%
73.81%
72.44%
12.33%
10.15%
69.42%
71.09%
G.Liquidity ratios


9.35%
0.08
4.80
4.60
8.14
8.92
18.67
9.50
J.Cash flow ratio

1.Cash generated from operating activities to profit after tax (E1/D10)
28
Local Banks - Overall

Items
2011
2012
733,775,751
791,239,862
1.Share capital
413,765,907
425,604,902
2.Reserves
188,587,290
215,247,789
131,422,554
150,387,171
4.Others
1.Bills payable
30,693,768
72,215,942
7,280,401,181
8,795,017,816
81,275,225
108,670,159
664,947,685
1,015,683,952
6,154,642,998
7,259,792,033
379,535,273
410,871,672
8,044,870,700
9,658,473,620
663,873,699
800,945,968
186,036,375
202,651,882
192,035,828
141,340,994
4.Investments
2,965,642,808
3,980,317,446
5.Gross advances
3,764,810,876
4,241,978,263
565,454,728
593,556,092
390,988,638
419,859,080

3,373,822,238
3,822,119,183
9.Fixed assets
216,016,402
229,051,153
447,443,350
482,046,994
728,509,149
780,166,930
395,207,516
446,784,708
333,301,633
333,382,222
47,725,112
41,601,566
285,576,521
291,780,656
106,412,148
138,021,492
225,969,213
251,409,181
218,565,358
245,754,307
166,141,471
180,129,982
111,892,322
121,271,604
41,323,258
1,890,662,546
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
N/A
N/A
N/A
N/A
2,128,981,246
1,152,991,456
3,269,189,997
3,414,353,893
45.75%
42.73%
4.14%
3.45%
15.25%
15.33%
1.39%
1.26%
1.32%
1.43%
3.55%
3.02%
54.25%
57.27%

1.Spread (D3/D1)

1.32
1.36
27.06%
27.38%
2.05
1.78
2.71
0.06
10.56%
10.39%
36.86%
41.21%
41.94%
39.57%
0.77
75.17%
G.Liquidity ratios

0.91
91.06%
61.17%
58.43%
55.21%
51.26%
15.02%
13.99%
10.39%
0.10
77.06%
75.02%
12.21%
9.91%
69.15%
70.74%
9.12%
8.19%
4.46
4.32
17.76
0.42
8.39
9.18
19.03
9.51

J.Cash flow ratio
1.Cash generated from opration activities to profit after tax (E4/D10) (
29
Public Sector Banks - Overall

Items
2011
2012
127,743,956
125,594,649
1.Share capital
41,414,298
44,283,634
2.Reserves
29,284,865
33,052,418
57,044,793
48,258,597
4.Others
41,572,689
56,469,348
1,398,844,307
1,663,370,815

1.Bills payable
10,375,239
17,151,226
76,090,791
152,937,824
1,248,188,262
1,413,810,930

64,190,015
79,470,835
1,568,160,952
1,845,434,812
153,973,974
182,782,467
34,010,092
36,706,462
65,732,828
20,184,313
4.Investments
479,342,863
588,083,288
5.Gross advances
789,506,985
967,822,389
166,497,486
166,730,807
97,029,696
105,264,572
692,477,289
862,557,817

9.Fixed assets
34,777,267
36,342,749
107,846,639
118,777,716
129,208,288
140,932,616
77,609,982
88,827,251
51,598,306
52,105,365
7,041,059
10,189,996
44,557,247
41,915,369
22,933,945
29,593,719
37,975,952
44,867,049
37,487,659
44,012,202
29,426,910
26,644,897
19,900,186
19,418,575
4,141,429
1,852,589,678
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
107,777,017
132,675,084
598,692,115
669,675,039
39.93%
36.97%
3.29%
2.82%
15.58%
15.46%
1.27%
1.05%
1.46%
0.02
2.84%
2.27%
60.07%
63.03%
1.27
1.65

1.Spread (D3/D1)

24.96%
26.31%
1.63
1.49
4.81
0.01
G.Liquidity ratios
11.99%
11.89%
30.57%
31.87%
44.16%
46.74%
0.80
76.61%

0.89
90.13%
63.25%
68.45%
59.62%
61.77%

21.09%

17.23%
12.29%
10.88%
130.34%
132.75%
7.26%
9.68%
58.28%
63.13%
8.15%
6.81%
4.69
5.33
30.85
0.07
9.77
11.26
5.42
6.83

J.Cash flow ratio
30
FIRST WOMEN BANK LTD.

Items
2011
2012
1,598,765
1,911,854
1.Share capital
1,080,038
1,494,113
2.Reserves
284,991
294,768
233,736
122,973
74,136
85,599
14,477,348
20,508,892
96,417
548,727
4.Others
1.Bills payable
51,100
73,340
13,814,854
19,193,344
514,977
693,481
16,150,249
22,506,345
973,701
1,188,234
561,555
636,034
1,605,946
4,219,779
4.Investments
4,730,434
7,263,885
5.Gross advances

7,901,127
8,573,327
523,443
612,714
200,064
238,684
7,701,063
8,334,643
9.Fixed assets
229,344
239,084
348,206
624,686
1,918,759
1,798,231
1,176,451
1,037,893
742,308
760,338
(5,475)
50,508
747,783
709,830
253,719
95,581
601,399
716,920
600,986
716,657
400,103
88,491
258,547
43,556
108,004
149,411
2.Cash dividend
0.00
0.00
0.00
0.00
1,070,465
2,531,961
297,230
807,143
38.69%
42.28%

E.Other items

1.Spread (D3/D1)
0.05
3.38%
16.17%
2.28%
0.02
0.19%
1.57%
0.42%
4.63%
3.15%
61.31%
57.72%
1.50
8.10
27.68%
37.86%
2.37
7.50
2.39
0.29
9.51%
8.11%
29.29%
32.27%
47.68%
37.03%
85.54%
85.28%
89.64%
91.12%
57.19%
44.67%
56.98%
0.45
6.62%
7.15%

G.Liquidity ratios

2.53%
2.78%
32.74%
32.05%
-2.74%
21.16%
38.22%
38.96%
0.10
8.49%
0.19
0.42

14.80
12.80
8.64
10.04
4.14
58.13
J.Cash flow ratio

31
NATIONAL BANK OF PAKISTAN

Items
2011
2012
112,671,683
108,137,645
1.Share capital
16,818,285
18,500,114
2.Reserves
26,212,505
30,305,210
69,640,893
59,332,321
4.Others
23,282,533
36,743,263
1,019,012,206
1,171,468,349
9,104,710
14,367,639
27,671,746
52,158,143
927,410,553
1,037,049,090
54,825,197
67,893,477
1,154,966,422
1,316,349,257
131,843,344
158,756,638
28,070,350
30,895,173
43,973,531
8,280,997
4.Investments
319,353,392
342,964,635
5.Gross advances
595,630,955
734,349,374
88,391,640
92,454,790
67,509,359
75,695,706
528,121,596
658,653,668
9.Fixed assets
29,064,564
29,714,221
74,539,645
87,083,925
95,956,361
101,125,889
48,566,973
56,552,485
47,389,388
44,573,404
9,358,165
10,710,234
38,031,223
33,863,170
19,738,325
24,804,561
31,637,865
36,483,639
30,945,203
35,921,902
26,131,683
22,184,092

1.Bills payable
17,724,846
15,665,428
E.Other items
1,681,828
1,850,011,327
2.Cash dividend
0.75
0.01
0.10
0.15%
41,816,805
60,861,739
520,889,244
520,100,721
49.39%
44.08%
0.04
3.39%
15.73%
14.49%
1.53%
1.19%
1.71%
1.88%
3.29%
2.57%
50.61%
55.92%
1.18
1.62
27.35%
28.97%
1.57
1.45
10.54
0.01
13.85%
14.41%
27.65%
26.05%

1.Spread (D3/D1)

G.Liquidity ratios
45.73%
50.04%
0.80
78.78%
88.23%
88.99%
64.23%
70.81%
62.36%
67.42%
14.84%
12.59%
11.33%
10.31%
78.45%
0.86
13.86%
14.15%
76.38%
81.87%
9.76%
8.21%
4.62
4.81
66.99
0.06
8.23
9.59
2.36
3.89

J.Cash flow ratio
32
SINDH BANK LTD.

Items
2011
2012
10,749,561
11,037,333
1.Share capital
10,000,000
10,000,000
2.Reserves
149,912
327,466
599,649
709,867
4.Others
(86,548)
50,855
37,067,110
81,202,910
42,251
176,125
13,012,647
48,602,402
23,517,740
31,469,652

1.Bills payable
494,472
954,731
47,730,123
92,291,098
1,655,815
2,430,525
243,519
424,573

10,905,410
4,619,591
4.Investments
26,081,535
62,631,024
7,259,330
19,281,888
5.Gross advances
7,259,330
19,281,888
584,054
1,556,804
1,000,460
1,346,693
3,704,280
6,141,198
2,241,345
4,102,783
1,462,935
2,038,415

9.Fixed assets
31,382
1,069
1,431,553
2,037,346
222,183
526,717
513,773
1,278,432
513,773
1,278,403
1,139,963
1,285,631
749,561
886,976
E.Other items
1,000,000
1,000,000
2.Cash dividend
0.00
0.06
0.00
0.00
18,654,331
38,872,837
25,311,295
65,855,409
39.49%
33.19%

1.Spread (D3/D1)
3.07%
2.21%
6.97%
8.04%
1.57%
0.96%
0.47%
0.57%
0.03
2.21%
60.51%
66.81%
0.45
0.99
13.08%
19.17%
2.31
2.43
0.75
0.89
3.98%
3.09%
54.64%
67.86%
15.21%
20.89%
49.27%
0.34
77.66%
87.99%
30.87%
61.27%
19.87%
24.08%
0.00
0.00
0.00
0.00
0.00
0.00
G.Liquidity ratios

22.52%

11.96%
2.35
5.97
10.75
11.04
2.19
2.85
24.89
43.83
J.Cash flow ratio

33
THE BANK OF KHYBER

Items
2011
2012
9,700,427
10,775,628
1.Share capital
8,228,001
9,001,433
2.Reserves
722,501
937,541
749,925
836,654
4.Others
1.Bills payable
665,067
951,171
58,058,972
70,450,839
281,292
558,026
10,391,732
7,420,113
45,548,423
60,043,083
1,837,525
2,429,617
68,424,466
82,177,638
2,802,781
3,108,819
1,527,561
1,649,512
1,800,566
1,501,000
4.Investments
36,684,689
45,671,700
5.Gross advances
25,284,711
29,737,754
3,938,731
4,334,605
2,996,912
3,016,021
22,287,799
26,721,733
9.Fixed assets
1,301,822
1,359,149
2,019,248
2,165,725
6,946,827
7,204,937
4,551,942
4,611,172
2,394,885
2,593,765
244,624
178,113
2,150,261
2,415,652
730,010
976,115
1,506,483
1,822,549
1,468,480
1,657,560
1,285,458
1,572,076
872,308
1,078,059
822,800
900,143
2.Cash dividend
0.00
0.00
0.00
0.09
13,250,791
9,862,004
9,270,649
14,977,927
34.47%
0.36
0.04
3.16%
8.99%
0.10
1.27%
1.31%
1.07%
1.19%
3.14%
2.94%
65.53%
0.64

E.Other items

1.Spread (D3/D1)

1.14
1.05
19.62%
22.28%
2.01
1.70
1.06
1.20
G.Liquidity ratios
6.33%
5.79%
53.61%
55.58%
32.57%
32.52%
66.57%
73.06%
84.85%
85.73%
55.51%
49.53%
0.45
44.08%
15.58%
14.58%
11.85%
10.14%
0.41
40.23%
8.16%
5.91%
76.09%
69.58%
14.18%
13.11%
0.96
1.39
11.79
11.97
4.70
5.57
15.19
9.15


J.Cash flow ratio
34
THE BANK OF PUNJAB

Items
1.Share capital
2.Reserves
4.Others
1.Bills payable
2011
2012
(6,976,480)
(6,267,811)
5,287,974
5,287,974
1,914,956
1,187,433
(14,179,410)
(12,743,218)
17,637,501
18,638,460
270,228,671
319,739,825
850,569
1,500,709
24,963,566
44,683,826
237,896,692
266,055,761
6,517,844
7,499,529
280,889,692
332,110,474
16,698,333
17,298,251
3,607,107
3,101,170

4.Investments
5.Gross advances
7,447,375
1,562,946
92,492,813
129,552,044
153,430,862
175,880,046
73,643,672
69,328,698
26,323,361
26,314,161
127,107,501
149,565,885

9.Fixed assets
3,597,483
3,473,491
29,939,080
27,556,687
20,682,061
24,662,361
21,073,271
22,522,918
(391,210)
2,139,443
(2,587,637)
(749,928)
2,196,427
2,889,371
1,989,708
3,190,745
3,716,432
4,565,509
3,959,217
4,437,680
469,703
1,514,607
294,924
1,744,556
528,797
528,797
0.00
0.00

E.Other items
2.Cash dividend
0.00
0.00
32,984,625
20,546,543
42,923,697
67,933,839
1.Spread (D3/D1)
-1.89%
8.67%
-0.14%
0.64%
-4.23%
-27.83%
0.00
0.53%
0.71%
0.96%
0.78%
0.87%
101.89%
91.33%
8.43
2.93

16.39%
16.39%
1.99
1.39
0.56
3.30
G.Liquidity ratios
7.23%
6.14%
32.93%
39.01%
45.25%
45.03%
84.69%
80.11%
0.96
96.28%
64.49%
66.11%
58.37%
0.57

0.48
39.42%
17.16%
14.96%
-10.56
-1106.11%
-9.83%
-2.85%
35.74%
37.96%
-2.48%
-1.89%
-6.15
-10.84
-13.19
-11.85
-34.10
-42.45
111.84
11.78

J.Cash flow ratio

35
Private Sector Banks - Overall

Items
2011
2012
604,809,329
660,038,428
1.Share capital
356,844,077
365,970,171
2.Reserves
149,928,873
171,215,911

4.Others
1.Bills payable
98,036,379
122,852,346
(15,531,222)
10,546,998
5,738,262,274
6,982,526,538
70,475,916
91,081,373
510,975,918
783,595,352
4,889,127,501
5,828,571,698
267,682,939
279,278,115
6,327,540,381
7,653,111,964
506,022,189
613,769,267
138,661,021
155,962,528
125,427,433
120,345,674
4.Investments
2,466,754,109
3,366,647,441
5.Gross advances

2,860,695,773
3,155,089,216
364,369,664
392,925,665
272,935,577
294,306,783
2,587,760,196
2,860,782,433
9.Fixed assets
176,163,854
187,903,137
326,751,579
347,701,484
587,148,951
625,467,312
312,408,496
353,454,406
274,740,455
272,012,906
40,106,355
30,202,761
234,634,100
241,810,145
80,090,093
103,830,955
181,737,906
197,491,373
174,999,630
193,114,445
133,196,632
149,883,884
89,604,074
99,580,230
35,684,408
36,577,017

E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
2,019,016,887
1,020,482,293
2,655,822,165
2,728,679,490
46.79%
43.49%

1.Spread (D3/D1)
4.34%
3.55%
14.82%
15.09%
1.42%
0.01
1.27%
1.36%
3.71%
3.16%
53.21%
56.51%
1.31
1.29
27.24%
27.08%
2.19
1.86
2.51
2.72
10.19%
10.06%
38.98%
43.99%
0.41
37.38%
77.27%
76.16%
90.69%
91.24%
58.51%
54.13%
52.97%
47.72%
12.74%
12.45%

G.Liquidity ratios

9.54%
9.33%
60.25%
59.53%
14.69%
10.26%
74.91%
0.75
9.56%
8.62%
4.39
4.13


16.95
18.05
8.08
8.83
22.53
10.25
J.Cash flow ratio

36
ALBARAKA BANK (PAKISTAN) LTD.

Items
2011
2012
7,293,731
6,648,336
1.Share capital
8,935,200
8,935,200
82,074
82,074
(1,723,543)
(2,368,938)
2.Reserves
4.Others
(769,063)
(628,876)
66,020,396
67,847,098
451,030
746,651
1,736,120
1,991,738
61,559,026
63,278,655
2,274,220
1,830,054
72,545,064
73,866,558
3,945,481
4,221,381
7,577,186
6,712,477
1,100,000
4.Investments
26,179,416
27,421,461
5.Gross advances
29,601,824
31,509,123
4,466,038
6,093,026
1,991,116
2,726,675
27,610,708
28,782,448
9.Fixed assets
2,798,165
2,629,176
4,434,108
2,999,615
6,699,178
6,271,140
5,001,222
4,725,249
1,697,956
1,545,891
(227,176)
802,491
1,925,132
743,400
482,058
406,151
1,926,488
2,105,964
1,910,731
1,994,544
480,702
(956,413)

1.Bills payable
410,370
(644,940)
E.Other items
893,520
893,520
2.Cash dividend
0.00
0.00
0.00
0.00
10,255,250
499,270
12,436,239
13,347,433
25.35%
24.65%
2.34%
2.09%
5.63%
-0.10
0.57%
-0.87%
0.66%
0.55%
2.65%
1.01%
74.65%
75.35%
3.97
-2.09
26.83%
31.54%
3.96
4.91
0.46
-0.72
15.88%
0.15
36.09%
37.12%
38.06%
38.97%
84.86%
85.67%
91.01%
91.85%
48.09%
49.79%
46.77%
48.27%
15.09%
19.34%
6.73%
8.65%
61.23%
91.65%
-11.41%
29.43%
44.58%
44.75%

1.Spread (D3/D1)

G.Liquidity ratios


10.05%
0.09
1.71
2.01
8.16
7.44
8.44
9.52
24.99
-0.77
J.Cash flow ratio

37
ALLIED BANK LTD.

Items
2011
2012
37,954,155
44,398,033
1.Share capital
8,603,110
9,463,421
2.Reserves
8,762,745
10,899,279
20,588,300
24,035,333
5,717,786
7,987,705
472,437,811
581,706,017
4,015,317
6,203,051
49,993,200
38,916,192
399,560,790
514,702,444

4.Others
1.Bills payable
18,868,504
21,884,330
516,109,752
634,091,755
36,479,765
43,351,703
1,679,121
1,029,292

1,361,754
10,720,935
4.Investments
195,789,638
267,682,679
5.Gross advances
262,143,554
288,920,715
20,452,465
20,667,561
17,703,717
17,805,032
244,439,837
271,115,683
9.Fixed assets
18,095,123
21,983,646
18,264,514
18,207,817
51,828,897
49,512,005
26,696,185
31,180,990
25,132,712
18,331,015
3,009,024
650,560
22,123,688
17,680,455
7,263,796
14,244,897
14,129,619
15,813,767
13,289,101
14,720,902
15,257,865
16,111,585
10,256,173
11,847,511

E.Other items
860,311
946,342
2.Cash dividend
0.50
0.65
0.10
0.10
86,857,938
75,355,317
173,528,427
138,568,953
48.49%
37.02%

1.Spread (D3/D1)
4.87%
2.89%
27.02%
26.68%
1.99%
1.87%
1.41%
2.25%
4.29%
2.79%
51.51%
62.98%
0.87
0.91
23.91%
0.25
1.83
1.03
11.92
12.52
7.39%
0.07
37.94%
42.22%
47.36%
42.76%
77.42%
81.17%
91.54%
91.74%
65.61%
56.13%
58.31%
52.19%
0.08
7.15%
6.75%
6.16%
53.89%
46.55%

G.Liquidity ratios

0.17
3.65%
86.56%
86.15%
7.35%
0.07

4.57
3.12
44.12
46.92
10.53
11.59
8.47
6.36
J.Cash flow ratio

38
ASKARI BANK LTD.

Items
2011
2012
16,502,392
17,700,366
1.Share capital
7,070,184
8,130,711
2.Reserves
8,135,795
8,541,776
1,296,413
1,027,879
4.Others
1.Bills payable
1,267,484
2,010,584
326,069,407
333,471,451
2,756,032
3,700,156
17,274,979
8,376,740
291,499,395
306,929,729
14,539,001
14,464,826
343,839,283
353,182,401
26,168,206
24,435,422
6,236,116
8,865,303
1,613,584
6,341,474
4.Investments
133,655,387
145,354,253
5.Gross advances
167,381,246
162,855,583
23,645,541
26,518,448
16,668,690
19,127,748
150,712,556
143,727,835
9,451,033
8,901,522
16,002,401
15,556,592
32,768,950
32,404,345
22,699,089
22,973,385
10,069,861
9,430,960
1,771,471
2,693,356
8,298,390
6,737,604
3,017,770
4,316,216
8,874,165
9,308,616
8,787,381
9,219,602
2,454,944
1,773,018
1,705,207
1,296,106
707,018
813,071
2.Cash dividend
0.00
0.00
0.15
0.00
36,472,843
10,998,418
165,250,062
192,114,856
30.73%
0.29
2.93%
2.67%
10.33%
7.32%


9.Fixed assets
E.Other items

1.Spread (D3/D1)
0.01
0.37%
0.88%
1.22%
2.41%
1.91%
69.27%
0.71
3.58
5.20
0.25
25.35%
2.91
2.14
2.41
1.59
G.Liquidity ratios
9.42%
9.43%
38.87%
41.16%
43.83%
0.41
84.78%
0.87
94.83%
94.42%
57.42%
53.06%
54.21%
51.65%
14.13%
16.28%
9.96%
11.75%
143.29%
149.82%
10.63%
14.08%
70.49%
72.13%
0.05
5.01%
10.01
10.85
23.34
21.77
17.66
17.34
21.39
8.49


J.Cash flow ratio

39
BANK AL-HABIB LTD.

Items
2011
2012
17,764,531
21,166,991
1.Share capital
8,785,972
10,103,868
2.Reserves
5,324,689
6,464,546
3,653,870
4,598,577
4.Others
2,132,629
2,894,776
364,628,454
429,292,175

1.Bills payable
4,979,720
5,257,191
43,441,594
69,622,055
302,097,187
340,386,558
14,109,953
14,026,371
384,525,614
453,353,942
22,957,988
27,464,345
6,744,643
9,747,248
993,981
4.Investments
223,105,101
249,923,504
5.Gross advances
119,994,310
153,453,820
3,203,630
3,705,730
5,131,178
5,593,992
114,863,132
147,859,828
10,791,345
11,241,539
6,063,405
6,123,497
36,529,237
41,474,034
22,372,988
26,105,028
14,156,249
15,369,006
1,820,779
466,087
12,335,470
14,902,919
2,607,806
3,032,853
7,784,283
8,997,632
7,621,965
8,799,419
7,158,993
8,938,140
4,537,104
5,519,418
878,597
1,010,387
0.25
0.30

9.Fixed assets

E.Other items
2.Cash dividend
0.15 94,364,848
36,872,715
106,642,467
107,919,532
38.75%
37.06%
3.68%
3.39%
25.54%
26.08%
1.18%
1.22%
0.68%
0.67%
3.21%
3.29%
61.25%
62.94%
1.06
0.98

1.Spread (D3/D1)

19.89%
20.22%
2.92
2.90
5.16
5.46
G.Liquidity ratios
7.72%
8.21%
58.02%
55.13%
29.87%
32.61%
78.56%
75.08%
94.83%
94.69%
39.72%
45.08%
34.73%
37.43%

2.67%
2.41%
4.28%
3.65%
18.03%
17.51%
35.48%
8.33%
160.17%
150.96%
4.62%
4.67%
6.00
5.10
20.22
20.95
17.01
16.08
20.80
6.68

J.Cash flow ratio

40
BANK ALFALAH LTD.

Items
2011
2012
22,616,390
25,501,657
1.Share capital
13,491,563
13,491,563
2.Reserves
4,100,264
5,636,549
5,024,563
6,373,545
4.Others
2,937,152
4,557,662
442,740,604
506,508,650
5,403,453
8,430,910

1.Bills payable
18,168,978
21,227,834
401,233,153
457,044,400
17,935,020
19,805,506
468,294,146
536,567,969
50,882,662
58,044,054
17,424,487
26,720,993
7,765,407
876,870
4.Investments
166,531,768
189,486,762
5.Gross advances

211,397,355
248,345,992
19,096,614
22,181,548
12,928,843
14,412,634
198,468,512
233,933,358
9.Fixed assets
13,388,683
13,747,520
13,832,627
13,758,412
44,298,178
46,079,918
25,687,485
27,500,056
18,610,693
18,579,862
4,329,500
3,558,532
14,281,193
15,021,330
5,367,713
7,281,340
14,215,188
15,519,468
13,832,096
15,204,036
5,433,716
6,783,202
5,948,685
4,556,121
1,349,156
1,349,156
2.Cash dividend
0.18
0.20
0.00
0.00

E.Other items

54,274,913
49,944,024
189,279,494
124,627,168
42.01%
40.32%

1.Spread (D3/D1)
3.97%
3.46%
0.26
17.87%
1.27%
0.85%
1.15%
1.36%
3.05%
0.03
57.99%
59.68%
2.55
2.24
28.62%
29.08%
2.58
2.09
4.41
3.38
14.59%
0.16
35.56%
35.31%
42.38%
0.44
85.68%
85.18%
94.54%
0.94
52.69%
54.34%
0.50
51.93%
9.03%
8.93%

G.Liquidity ratios

6.12%
0.06
84.44%
86.98%
33.49%
24.69%
0.68
64.98%
4.83%
4.75%
8.37
4.89

16.76
18.90
17.74
17.92
9.12
10.96
J.Cash flow ratio

41
BANKISLAMI PAKISTAN LTD.

Items
2011
2012
5,149,904
5,459,724
1.Share capital
5,279,679
5,279,679
91,221
173,392
(220,996)
6,653
2.Reserves
4.Others
169,078
131,809
53,409,519
68,553,822
1.Bills payable
798,853
1,251,010
800,000
1,621,415
50,468,674
64,110,616
1,341,992
1,570,781
58,728,501
74,145,355
4,684,831
4,938,712

549,411
806,282
4,436,264
8,475,672
4.Investments
20,891,908
28,817,928
5.Gross advances
25,054,954
27,933,829
838,101
1,205,222
389,495
500,567
24,665,459
27,433,262
9.Fixed assets
1,816,863
1,919,513
1,683,765
1,753,986
5,502,154
5,993,510
2,883,355
3,497,443
2,618,799
2,496,067
60,523
96,072
2,558,276
2,399,995
226,709
333,308
2,176,398
2,263,827
2,139,128
2,259,068
608,587
469,476

409,556
311,482
E.Other items
527,968
527,968
2.Cash dividend
0.00
0.00
0.00
0.00
8,826,592
8,877,265
4,614,660
7,391,771
0.48
41.65%
4.46%
3.37%
7.95%
5.71%
0.01
0.42%
0.39%
0.45%
4.36%
3.24%
0.52
58.35%
3.51
4.81
37.99%
35.78%
9.44
6.78
0.78
0.59
8.91%
7.75%
35.57%
38.87%

1.Spread (D3/D1)
G.Liquidity ratios
0.42
0.37
85.94%
86.47%
90.94%
92.46%
49.64%
43.57%
48.87%
0.43
3.35%
4.31%
1.55%
1.79%
16.27%
22.07%
15.54%
19.19%
46.47%
41.53%

8.77%
7.36%
0.90
1.35
9.75
10.34
9.80
11.74
21.55
28.50
J.Cash flow ratio

42
BURJ BANK LTD.

Items
2011
2012
5,777,579
5,864,255
1.Share capital
7,410,458
7,410,458
16,751
2,030
(1,649,630)
(1,548,233)
26,999
73,226
2.Reserves
4.Others
21,851,637
41,247,971
1.Bills payable
210,932
390,795
447,300
3,087,150
20,341,241
35,922,038

852,164
1,847,988
27,656,215
47,185,452
1,379,696
2,452,464
2,215,636
907,255

4.Investments
5.Gross advances
9,982,793
17,156,398
13,233,151
24,077,313
1,020,934
1,029,984
802,014
706,781
12,431,137
23,370,532
9.Fixed assets
671,890
1,130,246
975,063
2,168,557
2,375,585
3,603,352
1,423,171
2,594,187
952,414
1,009,165
251,580
(173,859)
700,834
1,183,024
188,537
456,150
1,236,279
1,605,828
1,229,345
1,613,203
(346,908)
33,346
(288,488)
84,646
E.Other items
741,046
741,046
2.Cash dividend
0.00
0.00
0.00
0.00
5,394,077
7,024,807
1,296,300
3,709,955
40.09%
28.01%

1.Spread (D3/D1)
3.44%
2.14%
-4.99%
1.44%
-1.04%
0.18%
0.68%
0.97%
2.53%
2.51%
59.91%
71.99%
-3.54
48.38
48.21%
39.56%
6.52
3.54
-0.39
0.11
0.13
7.12%
0.36
36.36%
44.95%
49.53%
73.55%
76.13%
79.01%
87.42%
65.06%
67.03%
63.66%
61.72%
7.71%
4.28%
6.06%
2.94%
17.67%
17.56%
31.37%
-0.25
78.56%
68.62%
20.89%
12.43%
0.22
0.63
7.80
7.91
3.52
6.13
-18.70
82.99

G.Liquidity ratios

J.Cash flow ratio

43
DUBAI ISLAMIC BANK PAKISTAN LTD.

Items
2011
2012
6,244,902
6,793,362
1.Share capital
6,776,030
6,976,030
85,058
69,140
(616,186)
(251,808)
2.Reserves
4.Others
1.Bills payable
(4,758)
82,738
41,959,624
56,633,462
394,426
659,035
1,898,500
1,600,000
38,491,607
53,110,048
1,175,091
1,264,379
48,199,768
63,509,562
3,429,994
4,196,103
1,116,928
5,660,301
3,826,084
3,206,945
4.Investments
12,937,179
21,334,833
5.Gross advances
24,457,951
27,076,428
2,130,721
2,494,271
568,908
761,761

23,889,043
26,314,667
9.Fixed assets
1,597,770
1,535,272
1,402,770
1,261,441
4,632,785
5,682,122
2,395,995
2,807,792
2,236,790
2,874,330
10,075
192,853
2,226,715
2,681,477
457,136
695,344
2,367,722
2,877,315
2,337,312
2,847,694
316,129
499,506
190,486
344,724
677,603
677,603
2.Cash dividend
0.00
0.00
0.00
0.00
4,983,772
13,506,038
10,461,483
9,106,647
48.28%
50.59%
4.64%
4.53%
3.05%
5.07%

E.Other items

1.Spread (D3/D1)
0.00
0.54%
0.95%
1.09%
4.62%
4.22%
51.72%
49.41%

7.39
5.70
46.52%
45.12%
5.11
4.10
0.28
0.51
G.Liquidity ratios
9.43%
15.52%
26.84%
33.59%
49.56%
41.43%
79.86%
83.63%
87.05%
89.17%
63.54%
50.98%
60.55%
49.49%
8.71%
9.21%
2.33%
2.81%
34.12%
36.72%
1.77%
25.32%
0.27
30.54%
12.96%
0.11
1.68
1.34
9.22
10.03
6.16
7.82
26.16
39.18

J.Cash flow ratio

44
FAYSAL BANK LTD.

Items
2011
2012
17,808,183
18,788,030
1.Share capital
8,243,118
9,273,508
2.Reserves
6,591,131
6,309,083
2,973,934
3,205,439
4.Others
1,419,732
2,249,013
273,354,667
292,086,428

1.Bills payable
3,075,642
4,244,494
39,696,986
35,568,109
214,614,731
240,712,826
15,967,308
11,560,999
292,582,582
313,123,471
18,445,108
24,508,852
4,685,718
1,209,313

4.Investments
5.Gross advances
93,438,545
88,019,396
165,483,330
190,851,275
26,044,119
27,549,729
17,321,335
18,552,070
148,161,995
172,299,205
9.Fixed assets
10,849,607
10,859,963
17,001,609
16,226,742
28,825,449
28,802,150
19,619,095
19,838,745
9,206,354
8,963,405
695,245
1,400,820
8,511,109
7,562,585

4,070,369
5,281,719
11,103,387
11,003,691
10,813,919
10,809,749
1,478,091
1,835,427
1,280,296
1,419,844
824,312
927,351
0.00
0.00
E.Other items
2.Cash dividend
0.13
0.13
5,911,646
(4,808,638)
173,978,654
118,519,052

1.Spread (D3/D1)
31.94%
31.12%
3.15%
2.86%
7.19%
7.56%
0.44%
0.45%
1.39%
1.69%
2.91%
2.42%
68.06%
68.88%
7.32
5.89

33.75%
32.28%
2.66
2.05
1.55
1.53
G.Liquidity ratios
7.91%
8.21%
31.94%
28.11%
50.64%
55.03%
73.35%
76.87%
93.43%
93.28%
77.11%
79.29%
65.07%
69.08%

15.74%
14.44%
10.47%
9.72%
146.25%
146.63%
4.01%
7.55%
66.51%
67.34%
6.09%
0.06
9.77
6.31
21.60
20.26
12.05
12.81
4.62
-3.39

J.Cash flow ratio

45
HABIB BANK LTD.

Items
2011
2012
100,147,132
118,717,213
1.Share capital
11,020,680
12,122,748
2.Reserves
32,145,755
39,379,354
56,980,697
67,215,111
9,439,856
14,012,443
1,029,967,217
1,477,744,818
13,894,502
18,943,207
4.Others
1.Bills payable
39,473,670
196,580,548
933,631,525
1,214,963,700
42,967,520
47,257,363
1,139,554,205
1,610,474,474

103,399,623
157,229,517
47,349,505
47,980,032
41,581,029
24,828,255
4.Investments
418,604,147
797,094,548
5.Gross advances
503,453,704
545,788,112
56,549,062
56,236,494
46,086,048
45,970,206
457,367,656
499,817,906
9.Fixed assets
19,167,654
23,632,324
52,084,591
59,891,892
98,580,423
116,772,653
42,182,220
59,012,392
56,398,203
57,760,261
6,925,497
6,767,037
49,472,706
50,993,224
14,782,861
15,960,106
29,934,169
31,391,573
29,433,961
30,381,020
34,321,398
35,561,757
22,333,022
22,791,598
1,102,068
1,212,275
2.Cash dividend
0.70
0.75
0.10
0.10
206,730,148
404,298,555
572,908,009
584,090,071
57.21%
49.46%
4.95%
3.59%
0.22
0.19
1.96%
1.42%
0.01
0.99%
E.Other items

1.Spread (D3/D1)
4.34%
3.17%
42.79%
50.54%
0.86
0.85
26.41%
23.65%

1.99
1.90
20.26
18.80
13.23%
12.74%
36.73%
49.49%
40.14%
31.04%
81.93%
75.44%
90.38%
91.76%
53.92%
44.92%
51.74%
38.67%
11.23%
0.10

G.Liquidity ratios

9.15%
8.42%
56.47%
47.37%
15.03%
14.72%
0.82
81.74%
8.79%
7.37%
5.72
4.92


90.87
97.93
9.32
10.23
9.26
17.74
J.Cash flow ratio

46
HABIB METROPOLITAN BANK LTD.

Items
2011
2012
24,200,175
26,002,357
1.Share capital
10,478,315
10,478,315
2.Reserves
8,807,718
9,488,277
4,914,142
6,035,765
4.Others
335,268
2,186,254
267,380,606
276,121,476
3,733,794
4,092,268
70,331,887
45,102,640
185,281,216
217,670,832
8,033,709
9,255,736
291,916,049
304,310,087
14,233,690
16,918,780
3,551,591
5,151,149
2,361,754
4.Investments
147,459,163
160,733,315
5.Gross advances
119,679,648
122,833,194
15,427,848
17,729,487
6,332,273
12,388,996
113,347,375
110,444,198
9.Fixed assets
3,230,658
3,000,827
7,731,818
8,061,818
27,263,385
28,566,583
19,536,154
19,654,046
7,727,231
8,912,537
2,754,602
2,693,747
4,972,629
6,218,790
5,199,463
4,878,249
5,527,286
6,055,715
4,949,323
5,772,029
4,644,806
5,041,324

1.Bills payable
3,289,199
3,396,358
E.Other items
1,047,831
1,047,831
2.Cash dividend
0.15
0.20
0.00
0.00
44,258,963
17,498,743
200,438,547
127,978,834
28.34%
0.31
2.65%
2.93%
13.59%
13.06%
1.13%
1.12%
1.78%
0.02
0.02
2.04%
71.66%
0.69
1.07
1.14
17.03%
18.11%
0.95
1.18
3.14
3.24
6.09%
7.25%
50.51%
52.82%
38.83%
36.29%
63.47%
71.53%
0.92
90.74%
64.59%
56.43%
46.82%
46.74%
12.89%
14.43%
5.29%
10.09%
63.75%
68.18%
0.44
21.74%
41.04%
69.88%
8.29%
8.54%
8.28
4.92
23.10
24.82
7.66
8.37
13.46
5.15

1.Spread (D3/D1)

G.Liquidity ratios

J.Cash flow ratio
47
JS BANK LTD.
Items
1.Share capital
2.Reserves
4.Others
2011
2012
8,809,116
10,663,502
10,002,930
10,724,643
89,978
231,441
(1,283,792)
(292,582)
(28,080)
283,046
45,721,589
73,072,229
1.Bills payable
1,246,994
713,747
3,171,800
8,704,685
40,174,351
61,934,787

1,128,444
1,719,010
54,502,625
84,018,777
3,880,782
5,026,782
165,067
1,195,024

3,803,022
3,740,958
4.Investments
22,906,646
47,884,719
5.Gross advances
18,543,633
20,880,638
2,776,895
3,037,264
513,749
971,253
18,029,884
19,909,385
9.Fixed assets
3,064,883
3,412,167
2,652,341
2,849,742
4,319,252
6,168,310
2,583,678
3,731,733
1,735,574
2,436,577
(151,199)
529,928
1,886,773
1,906,649
769,937
2,148,184
2,119,374
2,896,129
2,111,534
2,886,225
537,336
1,158,704
361,645
820,890
E.Other items
1,000,293
1,072,464
2.Cash dividend
0.00
0.00
0.00
0.00
3,527,847
29,237,117
7,820,884
10,993,558
40.18%
0.40

1.Spread (D3/D1)
3.18%
0.03
4.11%
0.08
0.66%
0.98%
1.41%
2.56%
3.46%
2.27%
59.82%
0.61
3.93
2.49
41.64%
34.82%
2.74
1.34
0.36
0.77
7.42%
7.41%
42.03%
56.99%
33.08%
0.24
73.71%
73.72%
83.89%
86.97%
46.16%
33.71%
42.78%
29.56%
14.97%
14.55%
2.77%
4.65%
31.52%
28.48%
-29.43%
54.56%
0.19
31.98%
16.16%
12.69%
0.89
1.03
8.81
9.94
4.56
5.81
9.76
35.62
G.Liquidity ratios

J.Cash flow ratio

48
MCB BANK LTD.

Items
1.Share capital
2011
2012
81,392,159
91,350,484
8,362,365
9,198,601
2.Reserves
42,412,588
44,620,928
30,617,206
37,530,955
4.Others
1.Bills payable
10,619,903
15,124,526
564,861,814
664,983,236
9,466,818
9,896,284
39,100,627
79,064,351
491,146,798
544,988,091
25,147,571
31,034,510
656,873,876
771,458,246
53,122,620
57,420,211
2,357,418
1,236,736
955,087
1,551,472
4.Investments
319,005,983
405,601,313
5.Gross advances
249,913,581
262,597,534
26,664,873
25,561,774
22,339,963
22,809,023


227,573,618
239,788,511
9.Fixed assets
22,418,450
24,144,242
31,440,700
41,715,761
68,146,588
68,443,744
23,620,274
27,503,496
44,526,314
40,940,248
3,653,614
478,065
40,872,700
40,462,183
8,112,191
9,541,155
17,501,712
17,823,496
15,860,242
17,410,747
31,483,179
32,064,650
19,424,906
21,235,235
836,237
919,860
2.Cash dividend
1.20
1.30
0.10
0.10
1,244,599,509
96,668,070
162,379,259
143,379,581
65.34%
59.82%
6.78%
5.31%
23.87%
23.25%
2.96%
2.75%
1.23%
1.24%
6.22%
5.24%
34.66%
40.18%

E.Other items

1.Spread (D3/D1)

0.50
0.54
22.95%
22.86%
1.96
1.82
23.23
23.09
G.Liquidity ratios
8.45%
0.08
48.56%
52.58%
34.64%
31.08%
74.77%
70.64%
85.99%
0.86
50.88%
48.18%
47.13%
42.08%
10.67%
9.73%
8.94%
8.69%
32.76%
27.98%
16.35%
0.02
83.78%
89.23%
12.39%
11.84%
2.00
1.57
97.33
99.31
6.03
5.97
64.07
4.55
Financial Statement Analysis of
2015


J.Cash flow ratio
49
MCB ISLAMIC BANK LTD

Items
(Thousand Rupees)
2015
10,009,890
1.Share capital
10,000,000
2.Reserves
9,517
373
4.Others
(25,607)
123,608
1.Bills payable
37,669
85,939
10,107,891
56,880
8,150,590
4.Investments
624,159
5.Gross advances
972,634
972,634
9.Fixed assets
170,119
133,509

154,648
58
154,590
0
154,590
11,486
113,169
112,111
52,907
47,583
E.Other items
2.Cash dividend
1,000,000
0.00
0.00
(957,741)
1,939,758

1.Spread (D3/D1)
99.96%
1.53%
0.48%
0.47%
0.11%
1.53%
0.04%

2.12
68.12%
9.76
0.05
G.Liquidity ratios
0.81
6.17%
9.62%
0.37%
1.22%
2582.05%
2582.05%

0.00
0.00
0.00

99.03%
0.19
10.01
0.00
J.Cash flow ratio

-20.13
50
MEEZAN BANK LTD.

Items
2011
2012
13,323,888
15,493,638
1.Share capital
8,029,933
9,033,675
2.Reserves
2,058,319
2,759,942
3,235,636
3,700,021
457,678
1,069,020
186,768,828
257,873,852
2,282,045
3,058,503
4.Others
1.Bills payable
9,235,960
18,461,347
170,030,431
230,425,986
5,220,392
5,928,016
200,550,394
274,436,510

16,641,160
19,125,401
2,348,076
3,851,150
4,065,406
500,000
4.Investments
98,488,574
152,459,855
5.Gross advances
75,698,616
94,402,267
4,647,792
5,000,028
5,321,135
5,724,191
70,377,481
88,678,076
9.Fixed assets
3,985,248
4,898,240
4,644,449
4,923,788
18,032,152
21,836,972
8,665,622
11,384,534
9,366,530
10,452,438
1,389,155
451,191
7,977,375
10,001,247
2,263,349
2,398,590
6,331,458
7,169,611
5,958,595
7,192,527
4,356,300
5,230,226
3,391,543
3,508,116
802,993
903,367
2.Cash dividend
0.10
0.15
0.13
0.11
E.Other items

40,906,365
59,402,194
114,137,104
140,171,979
51.94%
47.87%

1.Spread (D3/D1)
4.67%
3.81%
25.45%
22.64%
1.69%
1.28%
1.13%
0.87%
3.98%
3.64%
48.06%
52.13%
1.37
1.38
0.31
29.58%
2.63
3.00
4.22
3.88
9.47%
8.37%
49.11%
55.55%
35.09%
32.31%
84.78%
83.96%
93.13%
93.96%
44.52%
40.97%
42.23%
37.93%
6.14%
0.05
G.Liquidity ratios

7.03%
6.06%
34.88%
32.27%
26.11%
7.88%
114.49%
114.48%
6.64%
5.65%
8.57
9.05

16.59
17.15
12.76
14.87
12.06
16.93
J.Cash flow ratio

51
NIB BANK LTD.

Items
2011
2012
59,912,879
60,184,991
103,028,512
103,028,512
218,276
225,889
(43,333,909)
(43,069,410)
4.Others
(46,249,209)
(45,789,427)
141,161,341
176,459,613
1,738,422
2,430,030
47,382,031
76,179,065
85,472,247
91,094,447
6,568,641
6,756,071
154,825,011
190,855,177
7,969,044
7,672,866
1.Share capital
2.Reserves
1.Bills payable
1,486,560
956,809
14,666,918
3,440,910
4.Investments
47,786,041
83,802,727
5.Gross advances
84,489,211
94,879,760
34,194,582
32,921,495
23,627,698
23,293,864
60,861,513
71,585,896
2,722,863
2,754,051
19,332,072
20,641,918
14,250,121
13,989,306
12,155,613
11,125,821
2,094,508
2,863,485
2,549,789
116,981
(455,281)
2,746,504
1,976,884
2,395,490
5,064,890
5,397,479
4,823,582
5,331,398
(3,492,009)
440,488
9.Fixed assets
(2,067,422)
262,080
E.Other items
10,302,851
10,302,851
2.Cash dividend
0.00
0.00
0.00
0.00
(6,809,298)
33,535,245
142,890,225
77,754,924
0.15
20.47%
1.35%
0.02
-3.45%
0.44%
-1.34%
0.14%
1.28%
1.26%
-0.29%
1.44%

1.Spread (D3/D1)

0.85
79.53%
-1.38
12.10
31.21%
32.94%
2.44
2.23
-0.20
0.03
6.11%
4.52%
30.86%
43.91%
39.31%
37.51%
55.21%
47.73%
91.17%
92.46%
98.85%
104.16%
0.64
56.72%
40.47%
0.35
27.97%
24.55%
57.07%
0.55
10.79%
0.01
0.69
70.76%
0.39
31.53%
2.38
1.29
5.82
5.84
1.43
1.51
3.29
127.96

G.Liquidity ratios


J.Cash flow ratio

52
SAMBA BANK LTD.

Items
1.Share capital
2.Reserves
4.Others
1.Bills payable
2011
2012
8,172,770
8,473,656
14,334,734
14,334,734
90,383
150,561
(6,252,347)
(6,011,639)
9,497
42,227
23,148,705
26,337,954
529,005
250,709
3,996,032
2,477,466
17,669,297
22,753,644
954,371
856,135
31,330,972
34,853,837
1,463,306
2,052,832
59,384
2,289,653

4.Investments
5.Gross advances
803,459
2,777,162
9,663,613
8,894,957
18,374,905
17,842,935
2,619,410
2,451,481
2,543,578
2,398,159
15,831,327
15,444,776
903,608
832,375
2,606,275
2,562,082
3,352,186
3,054,034
1,943,845
1,721,825
1,408,341
1,332,209

9.Fixed assets
(46,204)
(90,600)
1,454,545
1,422,809
152,397
154,505
1,406,048
1,413,280

1,393,321
1,458,244
200,894
164,034
236,515
300,886
E.Other items
1,433,473
1,433,473
2.Cash dividend
0.00
0.00
0.00
0.00
(2,388,547)
2,027,886
29,978,957
11,344,410
42.01%
43.62%

1.Spread (D3/D1)
0.05
3.82%
2.89%
3.55%
0.75%
0.86%
0.49%
0.44%
4.64%
4.08%
57.99%
56.38%
6.94
8.89
40.12%
44.05%
9.14
9.44
0.16
0.21
4.86%
12.46%
30.84%
25.52%
50.53%
44.31%
0.56
65.28%
73.88%
75.57%
103.99%
78.42%
84.81%
70.72%
14.26%
13.74%
13.84%
13.44%
32.05%
28.93%
-1.82%
-3.78%
0.97
97.82%
26.09%
24.31%
3.67
1.34
5.70
5.91
2.16
2.69
-10.10
6.74
G.Liquidity ratios


J.Cash flow ratio

53
SILKBANK LIMITED
Items
2011
2012
18,800,542
18,497,359
1.Share capital
26,716,048
26,716,048
139,013
162,762
(8,054,519)
(8,381,451)
2.Reserves
4.Others
1.Bills payable
(13,162,035)
(13,124,650)
85,031,770
83,707,785
1,679,456
1,978,549
17,781,686
11,376,781
64,071,908
69,050,447
1,498,720
1,302,008
90,670,277
89,080,494
4,436,142
4,006,569
94,322
86,002
3,100,803
5,602,423
4.Investments
17,547,640
12,734,898
5.Gross advances
55,309,362
54,078,762
11,022,942
10,816,957
5,373,083
5,018,268
49,936,279
49,060,494
4,755,911
4,637,334
10,799,180
12,952,774
8,385,608
8,583,566
6,514,770
6,681,338
1,870,838
1,902,228
(2,629,853)
(580,489)
4,500,691
2,482,717
846,586
1,064,666
3,988,359
4,076,652
3,779,045
4,213,559
1,358,918
(529,269)
695,063
(344,271)
2,671,605
2,671,605
2.Cash dividend
0.00
0.00
0.00
0.00
8,225,230
(6,429,336)
24,940,371
31,108,094
22.31%
22.16%
2.06%
2.14%
0.04
-1.86%
0.77%
-0.39%
0.93%
0.01
4.96%
2.79%
77.69%
77.84%


9.Fixed assets

E.Other items

1.Spread (D3/D1)
2.78
-7.96
0.43
42.25%
4.46
3.96
0.26
-0.13
G.Liquidity ratios
0.05
4.59%
19.35%
0.14
55.07%
55.07%
70.66%
77.51%
93.78%
93.97%
86.32%
78.32%
67.57%
67.24%

19.93%
0.20
9.71%
9.28%
58.63%
58.48%
-48.94%
-11.57%
48.74%
46.39%
20.74%
20.76%
1.33
1.68
7.04
6.92
3.41
3.73
11.83
18.68

J.Cash flow ratio

54
SONERI BANK LTD.

Items
2011
2012
11,194,019
12,379,660
1.Share capital
9,029,185
10,022,396
2.Reserves
1,182,501
410,129
982,333
1,947,135
(260,875)
(47,487)
118,823,011
146,297,224

4.Others
1.Bills payable
1,571,314
2,522,405
14,557,179
20,398,487
99,419,293
120,591,496
3,275,225
2,784,836
129,756,155
158,629,397
8,959,130
11,491,348
879,000
1,249,168
813,190
1,123,067
4.Investments
45,775,969
59,517,180
5.Gross advances
71,071,622
83,254,363
8,941,653
9,927,397
5,731,675
6,429,357
65,339,947
76,825,006
9.Fixed assets
3,833,916
4,015,233
4,155,003
4,408,395
12,895,306
13,778,206
8,997,385
8,934,172
3,897,921
4,844,034
1,272,178
519,632
2,625,743
4,324,402
1,955,203
1,856,932
3,502,675
4,459,278
3,447,925
4,248,241
1,078,271
1,722,056
783,533
1,104,193
902,919
1,002,240
0.00
0.00

E.Other items
2.Cash dividend
0.13
0.11
11,482,024
17,381,324
32,814,252
61,324,567

1.Spread (D3/D1)
30.23%
35.16%
0.03
3.05%
0.07
8.92%
0.01
0.01
1.51%
1.17%
2.02%
2.73%
69.77%
64.84%
3.20
2.47

23.59%
28.52%
1.76
2.29
0.87
1.10
G.Liquidity ratios
7.58%
8.03%
35.28%
37.52%
50.36%
48.43%
76.62%
76.02%
91.57%
92.23%
71.49%
69.04%
62.36%
59.05%

12.58%
11.92%
8.06%
7.72%
79.88%
80.19%
0.22
8.08%
0.64
64.76%
8.63%
0.08
2.93
4.95
12.40
12.35
8.88
9.74
14.65
15.74

J.Cash flow ratio
55
STANDARD CHARTERED BANK (PAKISTAN) LTD.

Items
2011
2012
51,535,761
50,631,418
1.Share capital
38,715,850
38,715,850
2.Reserves
3,879,491
5,068,628
8,940,420
6,846,940
4.Others
4,122,977
4,792,650
308,529,074
343,631,382
4,576,789
6,164,867

1.Bills payable
19,361,864
23,399,389
235,874,584
266,598,571
48,715,837
47,468,555
364,187,812
399,055,450
26,293,151
31,487,972
3,204,253
2,700,218
20,205,971
19,845,269
4.Investments
104,040,114
131,741,003
5.Gross advances


159,653,491
169,489,759
26,102,557
27,473,845
22,344,611
24,571,487
137,308,880
144,918,272

9.Fixed assets
6,437,023
6,381,584
66,698,420
61,981,132
32,825,124
32,214,232
11,907,713
12,337,997
20,917,411
19,876,235
4,507,477
3,578,599
16,409,934
16,297,636
6,192,553
7,311,963
14,016,159
14,287,244
13,408,462
14,045,547
8,586,328
9,322,355
5,553,141
6,045,864
3,871,585
3,871,585
2.Cash dividend
0.10
0.20
0.00
0.00

E.Other items

40,845,050
39,321,043
182,579,724
155,958,393
63.72%
0.62

1.Spread (D3/D1)
5.74%
4.98%
10.78%
11.94%
1.52%
1.52%
0.02
1.83%
4.51%
4.08%
36.28%
0.38
1.56
1.51
35.92%
36.15%
2.17
1.92
1.43
1.56
0.08
8.57%
28.57%
33.01%
0.38
36.32%
64.77%
66.81%
84.72%
86.11%
67.69%
63.57%
62.55%
58.45%
16.35%
16.21%

G.Liquidity ratios

0.14
0.15
50.65%
54.26%
20.17%
14.56%
0.86
89.44%
14.15%
12.69%
3.54
3.08


13.31
13.08
4.58
5.27
7.36
6.50
J.Cash flow ratio

56
SUMMIT BANK LTD.

Items
2011
2012
5,575,929
2,842,075
1.Share capital
10,779,796
10,779,796
2.Reserves
(1,811,675)
(1,811,675)
(3,392,192)
(6,126,046)
4.Others
198,120
165,764
113,574,284
131,281,227
900,750
1,654,302
18,562,616
28,900,432
89,699,819
96,916,430
4,411,099
3,810,063
119,348,333
134,289,066
6,117,998
8,110,185
1,426,353
3,601,183
1,069,757
2,038,500
4.Investments
36,268,904
49,770,923
5.Gross advances
68,399,073
64,942,457
22,417,723
23,409,947
12,381,409
12,393,303
56,017,664
52,549,154
6,071,432
5,456,565
12,376,225
12,762,556
9,552,362
10,262,500
9,021,173
10,133,076
531,189
129,424
600,473
22,942
(69,284)
106,482
73,905
1,425,650
3,208,318
2,498,841
3,815,856
4,005,835
(3,208,318)
(2,498,841)

1.Bills payable
9.Fixed assets
(1,209,268)
(2,717,026)
E.Other items
1,077,980
1,077,980
2.Cash dividend
0.00
0.00
0.00
0.00
8,330,664
17,593,639
45,997,746
54,414,503
1.Spread (D3/D1)
5.56%
1.26%
0.45%
0.00

-21.69%
-0.96
-1.01%
-2.02%
0.06%
1.06%
-0.06%
0.08%
94.44%
98.74%
-1.19
-1.60
33.33%
21.38%
51.63
2.81
-1.12
-2.52
6.32%
8.72%
30.39%
37.06%
46.94%
39.13%
75.16%
72.17%
95.16%
97.76%
76.25%
67.01%
63.18%
51.62%
32.77%
36.05%
0.18
19.08%
402.04%
823.69%
4.85%
0.19%
55.23%
52.94%

G.Liquidity ratios

4.67%
2.12%
8.25
19.15
5.17
2.64
16.09
34.10
-6.89
-6.48

J.Cash flow ratio
57
UNITED BANK LTD.

Items
2011
2012
75,219,724
83,845,615
1.Share capital
12,241,798
12,241,798
2.Reserves
27,495,959
32,298,690
35,481,967
39,305,127
4.Others
11,975,235
18,082,083
721,158,030
860,418,660
5,879,043
7,615,382
49,955,704
69,693,579
634,796,624
752,785,895

1.Bills payable
30,526,659
30,323,804
808,352,989
962,346,358
86,309,061
94,846,802
16,579,821
21,967,703
12,375,261
22,828,834
4.Investments
301,106,877
381,245,903
5.Gross advances
382,115,775
430,694,442
39,967,562
53,045,188
40,976,256
44,860,181
341,139,519
385,834,261
9.Fixed assets
25,745,215
27,460,839
25,097,235
28,162,016
71,374,143
75,379,861
31,305,056
35,759,090
40,069,087
39,620,771
7,274,864
4,246,967
32,794,223
35,373,804
13,129,783
17,193,007
22,067,945
26,648,491
21,253,504
25,558,429
23,633,636
28,315,979
14,887,113
19,247,439
E.Other items
1,224,180
1,224,180
2.Cash dividend
0.75
0.85
0.00
0.00
100,937,130
96,447,113
261,653,953
561,832,979
56.14%
52.56%

1.Spread (D3/D1)
4.96%
4.12%
19.79%
22.96%
1.84%
0.02
1.62%
1.79%
4.06%
3.68%
43.86%
47.44%
0.90
0.90
26.11%
28.79%
1.62
1.49
12.16
15.72
12.73%
12.14%
37.25%
39.62%
0.42
40.09%
78.53%
78.22%
89.21%
89.41%
60.19%
57.21%
0.56
52.37%
10.46%
12.32%
10.72%
10.42%
53.13%
63.27%

G.Liquidity ratios


17.75%
9.47%
102.52%
84.57%
9.31%
8.71%

3.48
6.70
61.44
68.49
8.44
8.98
6.78
5.01
J.Cash flow ratio

58
Specialized Banks - Overall

Items
1.Share capital
2.Reserves
2011
2012
1,222,466
5,606,785
15,507,532
15,351,097
9,373,552
10,979,460
(23,658,618)
(20,723,772)
4.Others
1.Bills payable
4,652,301
5,199,596
143,294,600
149,120,463
424,070
437,560
77,880,976
79,150,776
17,327,235
17,409,405
47,662,319
52,122,722
149,169,367
159,926,844
3,877,536
4,394,234
13,365,262
9,982,892
875,567
811,007

4.Investments
19,545,836
25,586,717
114,608,118
119,066,658
34,587,578
33,899,620
21,023,365
20,287,725
93,584,753
98,778,933
5,075,281
4,805,267
12,845,132
15,567,794
5.Gross advances
9.Fixed assets
12,151,910
13,767,002
5,189,038
4,503,051
6,962,872
9,263,951
577,698
1,208,809
6,385,174
8,055,142
3,388,110
4,596,818
6,255,355
9,050,759
6,078,069
8,627,660
3,517,929
3,601,201
2,388,062
2,272,799
1,497,421
1,495,851
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A

2,187,342
(165,921)
14,675,717
15,999,364
0.57
67.29%
4.67%
5.79%
195.35%
40.54%

1.Spread (D3/D1)
0.02
1.42%
2.27%
2.87%
4.28%
5.04%
0.43
32.71%

1.73
2.40
40.25%
49.29%
1.79
1.88
1.59
1.52
11.56%
8.99%
0.13
0.16
62.74%
61.77%
11.62%
10.89%
G.Liquidity ratios
96.06%
93.24%
661.43%
683.92%
120.38%
123.31%
30.18%
28.47%
18.34%
17.04%
2829.33%
604.62%
2.75%
5.96%
60.78%
59.85%
0.82%
3.51%
12.01
2.85

0.82
3.75
14.17
3.11
0.92
-0.07
J.Cash flow ratio

59
INDUSTRIAL DEVELOPMENT BANK LTD.

Items
1.Share capital
2.Reserves
4.Others
1.Bills payable
2011
2012
(27,673,517)
(27,501,369)
157,000
750,548
(28,581,065)
(27,501,370)
(227,663)
34,191
33,045,645
32,014,057
20,096
10,559
22,553,874
24,292,043
3,274,523
575,373
7,197,152
7,136,082
5,144,465
4,546,879
137,589
57,432
59,750
20,171
75,567
61,007
4.Investments
2,864,998
1,930,923
5.Gross advances
6,294,331
6,247,019
6,226,954
6,221,583
6,192,209
6,193,926
102,122
53,093

9.Fixed assets
59,364
55,240
1,845,075
2,369,013
300,466
74,435

586,866
105,173
(286,400)
(30,738)
(96,224)
(9,278)
(190,176)
(21,460)
223,134
76,205
35,967
78,331
187,125
78,228
(3,009)
(23,586)
35,628
(23,866)
1,570
0.00
0.00

E.Other items
2.Cash dividend
0.00
0.00
(255,917)
(1,016,245)
142,059
142,059

1.Spread (D3/D1)
-95.32%
-0.41
-5.57%
-0.68%
-0.13%
0.09%
0.69%
-0.52%
4.34%
1.68%
-0.04
-0.47%
195.32%
1.41
-62.19
-3.32
6.87%
0.52
0.84
1.03
22.69
-477320.00

G.Liquidity ratios
3.84%
1.71%
55.69%
42.47%
1.99%
1.17%
63.65%
12.65%
642.35%
704.09%
192.22%
1085.73%
24.37%
25.12%


98.93%
98.38%
99.15%
-0.23
-22.62%
-1.55%
-0.15%
99.44%
99.56%
-537.93%
-604.84%
-0.01
-0.01
-17,626.44
-550027380.00
-0.12
-0.02
-7.18
42.58
99.59%

J.Cash flow ratio
60
SME BANK LTD.

Items
2011
2012
1,792,619
1,332,191
1.Share capital
2,392,507
2,392,507
206,526
206,526
(806,414)
(1,266,842)
(48,075)
12,527
5,453,199
7,623,367
183,863
102,132
2,125,447
3,566,576
2,647,157
3,328,001
496,732
626,658
7,197,743
8,968,085
214,606
278,430
5,222
38,686
800,000
750,000
4.Investments
3,129,260
4,662,705
5.Gross advances
8,655,771
8,054,531
5,937,822
5,563,980
5,936,892
5,199,535
2,718,879
2,854,996
9.Fixed assets
112,305
124,610
217,471
258,658
2.Reserves
4.Others
1.Bills payable

693,798
790,315
421,408
534,021
272,390
256,294
(8,318)
65,708
280,708
190,586
20,751
18,329
566,083
600,093
561,436
595,700
(264,624)
(391,178)
(272,488)
(399,758)
239,251
239,251
2.Cash dividend
0.00
0.00
0.00
0.00

E.Other items

500,408
1,655,489
3,605,865
4,950,066
39.26%
32.43%

1.Spread (D3/D1)
3.78%
2.86%
-0.15
-30.01%
-3.79%
-4.46%
0.29%
0.00
0.04
2.13%
60.74%
67.57%
-2.12
-1.52
79.22%
74.21%
27.06
32.50
-1.14
-1.67
3.05%
3.54%
43.48%
51.99%
37.77%
31.84%
36.78%
37.11%
75.76%
85.01%
326.98%
242.02%
181.36%
116.82%
0.69
69.08%

G.Liquidity ratios

68.59%
64.55%
331.24%
417.66%
-0.14%
1.26%
99.98%
93.45%
24.91%
14.85%
2.01
3.72

7.49
5.57
1.48
2.50
-1.84
-4.14
J.Cash flow ratio

61
THE PUNJAB PROVINCIAL COOPERATIVE BANK LTD.

Items
2011
2012
4,095,740
6,178,812
435,584
436,148
6,103,037
7,941,588
(2,442,881)
(2,198,924)
4.Others
3,614,196
3,353,994
6,649,263
5,019,720
11,994
30,845
1,944,442
2,443,098
2,409,075
2,249,729
2,579,800
14,359,199
14,552,526
468,879
533,867
2,123,846
923,473
4.Investments
1,503,620
1,108,617
5.Gross advances
7,625,939
9,416,313
2,498,221
2,189,476
1,605,893
1,605,893
6,020,046
7,810,420
9.Fixed assets
3,736,445
3,445,150
506,363
730,999
1,647,318
1,580,867
386,027
126,469
1,261,291
1,454,398
88,059
1,261,291
1,366,339
73,906
85,896
826,794
1,325,678
826,662
877,831
508,403
126,557

1.Share capital
2.Reserves
1.Bills payable

479,773
106,896
E.Other items
4,356
4,356
2.Cash dividend
0.00
0.00
0.00
0.00
(2,529,962)
(3,326,137)
392,711
372,157
76.57%
0.92
8.78%
9.99%
11.71%
1.73%
3.34%
0.73%
0.51%
0.59%
8.78%
9.39%
23.43%
0.08
1.63
6.94
48.04%
79.54%
11.19
10.22
110.14
24.54
18.06%
10.01%
10.47%
7.62%
41.92%
53.67%
17.01%
16.55%
46.31%
34.49%
312.14%
390.87%
173.81%
390.87%
32.76%
23.25%
21.06%
17.05%
0.61
35.44%
0.00
5.48%
64.28%
73.35%
28.52%
42.46%
0.10
0.06
940.25
1,418.46
0.60
0.39
-5.27
-31.12

1.Spread (D3/D1)

G.Liquidity ratios

J.Cash flow ratio
62
ZARAI TARAQIATI BANK LTD. (ZTBL)

Items
2011
2012
23,007,624
25,597,151
1.Share capital
12,522,441
12,522,441
2.Reserves
2,313,441
2,831,346
8,171,742
10,243,364
4.Others
1,313,843
1,798,884
98,146,493
104,463,319
208,117
294,024
51,257,213
51,292,157
8,962,457
11,096,956

1.Bills payable
37,718,706
41,780,182
122,467,960
131,859,354
3,056,462
3,524,505
11,176,444
9,000,562

4.Investments
12,047,958
17,884,472
5.Gross advances
92,032,077
95,348,795
19,924,581
19,924,581
7,288,371
7,288,371
84,743,706
88,060,424
1,167,167
1,180,267
10,276,223
12,209,124
9,510,328
11,321,385
3,794,737
3,737,388
5,715,591
7,583,997

9.Fixed assets
682,240
1,064,320
5,033,351
6,519,677
3,070,319
4,416,388
4,826,511
7,046,657
4,502,846
7,075,901
3,277,159
3,889,408
2,145,149
2,589,527
E.Other items
1,252,244
1,252,244
2.Cash dividend
0.00
0.00
0.00
0.00
4,472,813
2,520,972
10,535,082
10,535,082
0.60
66.99%

1.Spread (D3/D1)
4.67%
5.75%
9.32%
10.12%
1.75%
1.96%
2.51%
3.35%
4.11%
4.94%
0.40
33.01%
1.37
1.82
38.36%
44.78%
1.47
1.60
1.71
2.07
11.62%
0.10
9.84%
13.56%
0.69
66.78%
G.Liquidity ratios
7.32%
8.42%
80.14%
79.22%
1026.86%
859.23%
152.83%
152.83%
21.65%
0.21
7.92%
7.64%
0.87
77.84%

9.36%
0.15
36.58%
36.58%
18.79%
19.41%

0.46
0.41
18.37
20.44
0.39
0.43
2.09
0.97
J.Cash flow ratio

63
Foreign Banks - Overall

Items
2011
2012
42,610,496
40,719,620
38,719,753
41,149,068
149,286
154,932
3,741,457
(584,380)
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
(156,810)
18,339
212,862,403
205,977,402
3,985,328
3,685,078
21,464,351
23,815,591
167,870,827
158,799,200
19,541,897
19,677,533
255,316,089
246,715,361
38,476,243
41,734,099
4,428,638
14,002,488
18,354,071
30,102,521
113,381,404
85,518,862
73,215,564
67,871,914
7,600,522
9,112,571
6,803,909
8,550,234
66,411,655
59,321,680
2,176,487
1,741,337
12,087,591
14,294,374
24,027,713
20,465,084
12,183,100
10,034,708
11,844,613
10,430,376
1,304,605
1,902,267


4.Investments
5.Gross advances

9.Fixed assets

10,540,008
8,528,109
4,551,421
4,677,921
9,730,146
11,363,855
9,633,773
11,284,006
5,600,422
999,293
3,660,658
(173,320)
28,223,861
(2,054,026)
456,416,758
408,532,273
0.49
50.97%
4.64%
4.23%
8.59%
-0.43%
1.43%
-0.07%
1.78%
0.02
6.Net markup/Interest income (after prov.) to total assets(D5/C)
4.13%
3.46%
0.51
49.03%
1.72
11.29
34.05%
0.45
2.12
2.41
0.17
22.59%
44.41%
34.66%
E.Other items
1.Spread (D3/D1)

10.Admin. exp. to non-markup/interest income (D8/D6) (times)
G.Liquidity ratios
26.01%
24.04%
65.75%
64.37%
83.37%
83.49%
43.61%
42.74%
38.67%
37.17%
10.38%
13.43%
9.29%
0.13
17.84%
22.38%
19.17%
22.25%
89.52%
93.83%
16.69%
0.17
10.71
10.03
3.94
3.90
7.71
11.85

J.Cash flow ratio
64
CITI BANK N. A.
Items
2011
2012
10,843,167
8,975,074
6,812,671
6,812,671
149,286
154,932
3.Unremitted profit
3,881,210
2,007,471
4.Others
(153,137)
16,512
86,253,872
76,204,631
2,028,623
2,185,724

2.Reserves

1.Bills payable
11,231,101
141,666
61,678,515
64,293,565
11,315,633
9,583,676
96,943,902
85,196,217
6,990,879
6,770,561
1,149,455
6,035,738
1,339,057
14,913,193
4.Investments
60,399,022
31,339,172
5.Gross advances
24,278,087
24,441,680
5,506,335
6,207,490
5,457,684
6,185,998
18,820,403
18,255,682
634,699
366,664
7,610,387
7,515,207
10,279,671
8,262,997
4,580,040
3,030,151
5,699,631
5,232,846
1,171,851
822,094
4,527,780
4,410,752
2,049,204
2,455,997
4,053,148
4,463,319
4,002,884
4,396,399
2,523,836
2,403,430
1,756,037
1,477,142
1,320,908
860,554
273,951,876
166,965,936
55.45%
63.33%
5.88%
6.14%
16.19%
16.46%
1.81%
1.73%
2.11%
2.88%
4.67%
5.18%
44.55%
36.67%
1.59
1.83
32.88%
41.64%
1.95
1.79
0.08
15.03%
9.Fixed assets
E.Other items
1.Spread (D3/D1)

G.Liquidity ratios
0.62
36.78%
19.41%
21.43%
63.62%
75.47%
88.97%
89.45%
39.36%
38.02%
0.33
37.93%
22.68%
0.25
22.48%
25.31%
50.78%
69.16%
21.47%
13.29%
99.12%
99.65%
11.18%
10.53%
25.26
18.60

5.69
7.16
0.75
0.58
J.Cash flow ratio

65
DEUTSCHE BANK AG
Items
2011
2012
6,047,337
5,971,021
3,724,146
4,115,584
2,323,191
1,855,437
(11,538)
(9,557)
16,205,772
22,987,100
238,907
297,362
1,523,062
317,883
11,118,869
18,354,233
2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
3,324,934
4,017,622
22,241,571
28,948,564
4,590,065
5,630,489
38,505
2,058,913
7,640,386
7,414,392
4.Investments
5,587,411
7,747,304
5.Gross advances
3,387,183
4,369,198
376,923
357,570
9.Fixed assets
400,165
389,684
2,987,018
3,979,514
199,014
351,955
1,199,172
1,765,997
1,679,978
1,969,771
556,558
868,297
1,123,420
1,101,474

(21,094)
(32,447)
1,144,514
1,133,921
725,355
588,282
766,074
1,171,490
759,389
1,170,880
1,103,795
550,713
708,236
350,827
E.Other items
3,503,275
5,812,077
101,411,632
78,834,402
66.87%
55.92%
5.05%
0.04
11.71%
5.88%
3.18%
1.21%
3.26%
2.03%
5.15%
3.92%
33.13%
44.08%
0.69
2.13
31.85%
0.46
1.05
1.99
20.81%
26.56%
25.12%
26.76%
13.43%
13.75%
49.99%
0.63
72.86%
79.41%
30.46%
0.24
26.79%
0.23
11.13%
8.18%
11.81%
8.92%
6.23%
5.99%

1.Spread (D3/D1)

G.Liquidity ratios

-5.27%
-8.33%
106.17%
108.98%
27.19%
20.63%
16.77
13.20
1.84
3.07
4.95
16.57
J.Cash flow ratio
66
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LTD.

Items
2011
2012
3,008,554
3,142,265

2.Reserves
3.Unremitted profit
4.Others
1.Bills payable
3,192,892
3,506,910
(184,338)
(364,645)
1,758
6,436
2,942,052
18,898,915
22,397
738
12,221,381
1,524,071
4,167,644
1,395,584
2,509,152
5,952,364
22,047,616
3,279,813
4,063,541
64,398
1,336,371
782,528
1,554,395
1,484,124
13,596,093

4.Investments
5.Gross advances
26,243
56,596
26,243
56,596

9.Fixed assets
294,316
316,663
20,942
1,123,957
56,241
771,801
46,347
682,804
9,894
88,997

09,894
88,997
594
141,495
194,826
410,799
194,826
410,799
(184,338)
(180,307)
(184,338)
(180,307)
2,718,782
3,033,735
1,081,945
106,530,014
17.59%
11.53%
0.17%
0.00
-6.13%
-5.74%
E.Other items

1.Spread (D3/D1)
-0.03
-0.82%
0.01%
0.64%
0.17%
0.00
82.41%
88.47%

-1.06
-2.28
342.79%
44.98%
327.99
2.90
G.Liquidity ratios
56.18%
24.49%
24.93%
61.67%
0.44%
0.26%
0.26
0.19
49.43%
85.72%
1.72%
1.36%
1.72%
0.35%
0.00
0.00
0.00
0.00
0.00
0.00

50.54%
14.25%
0.36
33.90
0.51
1.33
-14.75
-16.83
J.Cash flow ratio

67
THE BANK OF TOKYO-MITSUBISHI UFJ, LTD.

Items
2011
2012
5,155,321
5,064,270
5,122,691
4,986,139
32,630
78,131
2.Reserves
3.Unremitted profit
4.Others
3,240,864
3,207,778
86,567
3,626
1,075,726
708,495
1,991,569
2,402,290
87,002
93,367
8,396,185
8,272,048
5,283,777
5,194,721

1.Bills payable
123,553
108,570
654,928
1,253,832
4.Investments
5.Gross advances
2,214,722
1,619,237
2,214,722
1,619,237
9.Fixed assets
28,937
29,598
90,268
66,090
569,784
363,279
468,924
295,278
100,860
68,001
100,860
68,001
103,131
156,729
141,791
154,193
140,422
152,604
62,200
70,537
33,790
45,501
E.Other items
65,752
42,734
3,244,830
1,905,826
0.18
18.72%

1.Spread (D3/D1)
0.01
0.82%
0.66%
0.01
0.00
0.55%
1.23%
1.89%
0.01
0.82%
0.82
81.28%
2.26
2.16
21.07%
29.65%
1.36
0.97
0.64
64.11%
0.00
0.00
26.38%
19.57%
23.72%
29.04%
0.39
38.78%
1.11
0.67
0.72
52.05%
0.00
0.00
0.00
0.00

G.Liquidity ratios
0.00
0.00
0.61
61.22%
0.63
0.38
0.39
0.47
1.95
0.94
J.Cash flow ratio

68
DFIs - Overall
Items
2011
2012
58,946,722
59,056,803
1.Share capital
45,408,180
45,408,180
2.Reserves
6,703,489
6,035,141
6,835,053
7,613,482
652,903
1,843,944
70,948,010
65,453,549
54,574,307
47,773,439
12,932,378
14,154,064
4.Others
1.Bills payable
3,441,325
3,526,046
130,547,635
126,354,296
2,283,859
455,051
1,075,003
3,410,504
2,904,651
2,052,152
4.Investments
76,683,192
74,363,379
5.Gross advances
45,907,661
47,089,675
8,269,274
10,825,842
7,596,199
9,600,693
38,311,462
37,488,982
9.Fixed assets
2,999,119
3,360,079
6,290,349
5,224,149
12,716,418
12,618,071
7,152,710
7,491,718
5,563,708
5,126,353
1,772,164
3,912,500
3,791,544
1,213,853
2,450,918
3,914,138
3,250,598
2,691,000
2,039,623
2,135,305
2,991,863
2,391,708
972,305
803,028

E.Other items
3,941,058
3,327,494
2.Cash dividend
N/A
N/A
N/A
N/A
4,887,501
6,804,449
34,232,419
14,613,432
43.75%
40.63%
4.26%
4.06%
1.65%
1.36%
0.74%
0.64%
1.88%
0.03
0.03
0.96%
56.25%
59.37%
0.68
0.89
9.Non-markup/interest expenses to total income D7/(D1+D6)
0.21
0.16
10.Admin. expenses to non-markup/interest income (D8/D6) (times)
0.83
0.55
0.25
0.24
2.57%
3.06%
58.74%
58.85%
29.35%
29.67%

1.Spread (D3/D1)

7.Markup/interest expenses to markup/interest income (D2/D1)
G.Liquidity ratios
9.91%
0.11
54.35%
0.52
354.98%
332.69%
0.68
76.04%
18.01%
22.99%
16.55%
20.39%
14.03%
18.33%
23.33%
40.75%
91.86%
88.68%
45.15%
46.74%


0.58
0.25
14.96
17.75
0.22
0.24
5.03
8.47
J.Cash flow ratio

72
PAIR INVESTMENT CO. LTD. (FORMERLY PAK-IRAN JOINT

Items
2011
2012
7,636,742
8,026,943
1.Share capital
6,000,000
6,000,000
2.Reserves
4.Others
1.Bills payable
327,714
415,746
1,309,028
1,611,197
92,121
170,767
4,117,244
7,539,704
3,695,484
6,721,178
260,000
545,080
161,760
273,446
11,846,107
15,737,414
9,143
43,999
20,675
106,586
4.Investments
8,974,337
10,841,572
5.Gross advances
2,592,810
4,530,491
393,141
741,447
117,654
205,154
2,475,156
4,325,337
48,060
56,047
318,736
363,873


9.Fixed assets
1,323,067
1,487,341
402,712
678,102
920,355
809,239
324,136
106,953
596,219
702,286
58,340
172,091
167,757
238,798
150,135
224,193
486,802
635,579
242,549
440,162
600,000
600,000
2.Cash dividend
0.00
0.00
0.00
0.00
1,708,563
1,963,372
3,679,976
8,074,015
69.56%
54.41%
7.77%
5.14%
E.Other items

1.Spread (D3/D1)
3.18%
5.48%
2.05%
0.03
0.49%
1.09%
5.03%
4.46%
30.44%
45.59%
0.31
0.35
0.12
0.14
2.57
1.30
0.40
0.73
G.Liquidity ratios
0.25%
0.96%
75.76%
68.89%
20.89%
27.48%
2.19%
3.46%

34.76%
47.91%
997.23%
831.16%
65.55%
62.35%

15.16%
16.37%
4.54%
4.53%
5.15%
9.24%
2.76
52.13%
29.93%
27.67%
64.47%
51.01%
0.48
1.01
12.73
13.38
0.03
0.07
7.04
4.46

J.Cash flow ratio
73
PAK BRUNEI INVESTMENT COMPANY LTD.

Items
2011
2012
7,996,016
8,578,415
1.Share capital
6,000,000
6,000,000
2.Reserves
4.Others
399,204
555,884
1,596,812
2,022,531
(68,113)
1,118

1.Bills payable
24,617,113
5,466,904
23,359,531
2,417,139
979,018
2,824,924
278,564
224,841
32,545,016
14,046,437
174,790
54,763
562,085
317,222
627,841
25,742,364
7,100,816
4,667,373
5,782,035
2,992
2,638
20,712
2,638
4,646,661
5,779,397
4.Investments
5.Gross advances
9.Fixed assets
34,067
60,329
757,208
733,910
2,397,223
2,930,250
1,469,277
2,044,815
927,946
885,435
86,874
(4,019)
841,072
889,454
283,965
429,092
204,908
216,918
204,669
212,181
920,129
1,080,944
604,464
782,399
600,000
600,000
0.00
0.00

E.Other items
2.Cash dividend
0.00
0.00
9,066,170
(11,776,654)
21,546,987
868,306

1.Spread (D3/D1)
38.71%
30.22%
2.85%
0.06
7.56%
9.12%
1.86%
5.57%
0.87%
3.05%
2.58%
6.33%
61.29%
69.78%
0.22
0.20
0.08
0.06
0.72
0.49
1.01
1.30
G.Liquidity ratios
2.26%
2.65%
0.79
50.55%
14.28%
41.14%
3.01%
20.11%
75.64%
38.92%
476.74%
204.68%
19.18%
1.10
0.06%
0.05%
0.44%
0.05%
0.04%
0.03%
419.44%
-152.35%
692.25%
1.00
24.57%
61.07%
2.69
0.10
13.33
14.30
0.12
0.33
15.00
-15.05


J.Cash flow ratio
74
PAK CHINA INVESTMENT CO. LTD.

Items
2011
2012
11,058,455
11,729,364
9,116,400
9,116,400
388,411
523,051
1,553,644
2,089,913
766
36,300
119,094
4,207,176
106,874
4,139,032
12,220
68,144
11,178,315
15,972,840
1,491,717
92,588
23,227
1,686,035
583,954
934,033

1.Share capital
2.Reserves
4.Others
1.Bills payable

4.Investments
4,077,544
8,020,871
5.Gross advances
4,901,692
5,072,065
377,756
682,500
464,032
481,977
4,437,660
4,590,088
9.Fixed assets
176,177
219,539
388,036
429,686
1,312,686
1,308,463
47,666
98,391

1,265,020
1,210,072
321,928
173,469
943,092
1,036,603
133,437
232,659
208,924
231,578
208,403
231,546
867,605
1,037,684
513,700
674,495
911,640
911,640
2.Cash dividend
0.00
0.00
0.00
0.00
1,169,605
4,366,562
231,127
231,127
1.Spread (D3/D1)
96.37%
92.48%
11.32%
7.58%
4.65%
5.75%
0.05
4.22%
1.19%
1.46%
8.44%
6.49%
3.63%
7.52%
0.24
0.22
0.14
0.15
1.56
1.00
0.56
0.74
13.55%
11.14%
E.Other items


G.Liquidity ratios
36.48%
50.22%
0.40
28.74%
0.00
0.00
1.07%
26.34%

4586.42%
122.54%
7.71%
13.46%
9.47%
0.10

3.42%
5.82%
69.38%
35.99%
122.84%
70.62%
98.93%
73.43%
0.02
0.02
12.13
12.87
0.00
0.00
2.28
6.47

J.Cash flow ratio
75
PAK KUWAIT INVESTMENT CO. (PVT) LTD.

Items
2011
2012
12,503,432
13,776,602
1.Share capital
6,000,000
6,000,000
2.Reserves
3,114,865
3,285,976
3,388,567
4,490,626
4.Others
84,687
564,597
11,342,439
16,463,849
9,161,654
14,839,975
1,726,601
1,015,429
454,184
608,445
23,930,558
30,805,048
442,766
32,650
24,653
712,976
15,966,871
24,203,303
5.Gross advances
8,131,825
6,879,143
1,723,232
1,771,283
1,577,790
1,636,742
6,554,035
5,242,401
9.Fixed assets
282,125
252,233
660,108
361,485
2,204,036
2,364,815

1.Bills payable

4.Investments

1,445,302
1,605,660
758,734
759,155
208,083
98,378
550,651
660,777
1,638,323
1,882,698
462,723
485,692
462,723
439,516
1,726,251
2,057,783
1,360,527
1,640,917
E.Other items
240
240
2.Cash dividend
0.00
0.00
0.00
0.00
(3,341,852)
6,809,220
1,150,452
470,926
34.42%
0.32
3.17%
2.46%
10.88%
11.91%
5.69%
5.33%
6.85%
6.11%
0.02
2.15%

1.Spread (D3/D1)

65.58%
0.68
0.27
0.21
0.12
0.11
0.28
0.23
5,668.86
6,837.15
1.95%
2.42%
66.72%
78.57%
27.39%
17.02%
7.22%
0.03
0.47
53.45%
470.97%
677.46%
74.68%
43.39%
21.19%
25.75%
0.19
23.79%
13.78%
12.86%
13.19%
6.01%
91.56%
0.92
52.25%
44.72%
0.09
0.03
52,097.63
57,402.51

G.Liquidity ratios


0.14
0.07
-2.46
4.15
J.Cash flow ratio

76
PAK LIBYA HOLDING COMPANY LTD.

Items
2011
2012
6,586,986
3,152,360
1.Share capital
6,141,780
6,141,780
2.Reserves
474,801
(29,595)
(2,989,420)
4.Others
(229,759)
(8,351)
8,526,649
10,321,598
4,537,471
5,880,572
3,652,844
4,088,500
1.Bills payable
336,334
352,526
14,883,876
13,465,607
42,643
63,387
41,177
38,636
200,000
4.Investments
6,187,323
7,706,331
5.Gross advances
8,003,538
7,558,084
1,566,090
3,307,968
964,425
2,717,073
7,039,113
4,841,011
68,568
97,945
1,305,052
718,297
1,728,763
1,229,133
1,100,691
983,847
628,072
245,286
185,091
2,983,602
442,981
(2,738,316)
46,188
119,940
373,618
666,142
341,014
281,112
115,551
(3,317,374)
(63,891)
(3,428,519)

9.Fixed assets
E.Other items
614,178
614
2.Cash dividend
0.00
0.00
0.00
0.00
726,795
2,480,282
1,446,275
1,995,651
36.33%
19.96%
4.22%
1.82%
-0.97%
-108.76%

1.Spread (D3/D1)
-0.43%
-25.46%
0.31%
0.89%
2.98%
-20.34%
63.67%
80.04%
2.95
-0.08
0.21
0.49
7.38
2.34
-0.10
-5,583.91
0.56%
0.76%
41.57%
57.23%
47.29%
35.95%
24.54%
30.36%
57.29%
76.65%
2.19
184.86%
97.72%
75.82%
19.57%
43.77%
12.05%
35.95%
23.78%
104.94%
19.19%
109.81%
61.58%
82.14%
44.26%
23.41%

G.Liquidity ratios


0.22
0.63
10.72
5,134.14
0.55
1.30
-11.38
-0.72
J.Cash flow ratio

77
PAK OMAN INVESTMENT COMPANY LTD.

Items
2011
2012
6,931,824
7,173,742
1.Share capital
6,150,000
6,150,000
2.Reserves
485,312
570,983
296,512
452,759
4.Others
(56,048)
38,511
11,963,268
11,406,124

1.Bills payable
6,648,716
6,546,367
4,695,693
4,351,000
618,859
508,757
18,839,044
18,618,377
66,679
101,974
209,531
159,980
1,321,745
833,119

4.Investments
10,632,874
10,296,148
5.Gross advances
6,739,785
7,280,873
1,199,078
1,182,906
974,224
933,814
5,765,561
6,347,059
68,276
61,298
774,378
818,799
2,270,702
2,051,174
1,513,542
1,304,300
757,160
746,874
(73,119)
163,795
830,279
583,079
153,800
431,879
360,868
386,488
335,648
371,542
623,211
628,470
357,521
446,586
615,000
615,000
2.Cash dividend
0.00
0.00
0.00
0.00
(2,462,635)
2,501,049
2,833,372
1,550,074
33.34%
36.41%
4.02%
4.01%

9.Fixed assets
E.Other items

1.Spread (D3/D1)
5.16%
6.23%
0.02
0.02
0.82%
2.32%
4.41%
3.13%
66.66%
63.59%
0.54
0.59
0.15
0.16
2.18
0.86
0.58
0.73
G.Liquidity ratios
1.47%
1.41%
56.44%
0.55
0.31
34.09%
24.93%
23.37%
0.64
61.26%
143.53%
167.34%
59.41%
66.81%
17.79%
16.25%
14.45%
12.83%
0.17
16.49%
-7.51%
17.54%
81.25%
78.94%
36.79%
38.53%
0.41
0.22
11.27
11.66
0.68
0.61
-6.89
5.60


J.Cash flow ratio
78
SAUDI PAK INDUSTRIAL & AGRI. INV CO. (PVT) LTD.

Items
2011
2012
6,233,267
6,619,377
1.Share capital
6,000,000
6,000,000
2.Reserves
4.Others
1,513,182
683,501
(1,279,915)
(64,124)
829,249
1,041,002
10,262,203
10,048,194
7,064,577
7,229,176
1,618,222
1,329,131
1,579,404
1,489,887
17,324,719
17,708,573
1.Bills payable

56,121
65,690
193,655
389,069
171,111
285,000
5,101,879
6,194,338
4.Investments
5.Gross advances
10,870,638
9,986,984
3,006,985
3,137,100
3,477,362
3,623,295
7,393,276
6,363,689
9.Fixed assets
2,321,846
2,612,688
2,086,831
1,798,099
1,479,941
1,246,895
1,173,520
776,603
306,421
470,292
719,171
390,322
(412,750)
79,970

136,865
645,779
1,471,800
465,384
337,031
375,215
(1,747,686)
268,622
(2,042,565)
246,988
600,000
600,000
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
(1,979,145)
460,618
3,344,230
1,423,333

1.Spread (D3/D1)
0.21
37.72%
1.77%
2.66%
-32.77%
3.73%
-11.79%
1.39%
0.79%
3.65%
-2.38%
0.45%
0.79
62.28%
-0.19
1.40
0.91
0.25
2.46
0.58
-3.40
0.41

G.Liquidity ratios
1.44%
2.57%
29.45%
34.98%
42.67%
35.94%
9.34%
7.51%
59.23%
56.74%
671.76%
751.39%
1.25
116.69%
27.66%
31.41%
31.99%
36.28%
48.24%
47.39%
20.68%
10.77%
115.64%
1.16
35.98%
37.38%
0.54
0.22
10.39
11.03
0.26
0.20
0.97
1.86


J.Cash flow ratio
79
All Microfinance Banks - Overall

Items
2011
2012
7,730,242
11,103,669
1.Share capital
8,128,478
11,198,478
695,597
853,998
(1,093,833)
(948,807)
139,099
(359,829)
23,336,647
33,958,469
70,864
70,068
2.Reserves
4.Others
1.Bills payable
8,206,039
7,848,419
13,927,279
23,153,800
1,132,465
2,886,182
31,205,989
44,702,309
1,258,586
1,925,914
5,760,120
6,640,086
1,837,790
1,035,762

4.Investments
5.Gross advances
4,807,021
10,956,306
14,675,415
20,039,163
231,687
213,511
397,722
240,149
14,277,693
19,799,014
9.Fixed assets
1,100,024
1,533,778
2,164,755
2,811,449
4,672,635
6,372,001
1,574,430
2,299,555
3,098,205
4,072,446
322,638
459,681
2,775,567
3,612,764
1,177,240
1,766,391
3,885,891
4,966,319
3,834,020
4,921,992
67,062
410,687
24,805
342,430
812,847
1,119,847
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A

(1,893,180)
5,083,948
277,178
529,532
66.31%
63.91%

1.Spread (D3/D1)
9.93%
9.11%
0.32%
3.08%
0.08%
0.77%
3.77%
3.95%
8.89%
8.08%
33.69%
36.09%
57.17
11.98
66.43%
61.02%
3.26
2.79
0.03
0.31
22.49%
19.16%

G.Liquidity ratios
0.15
24.51%
45.75%
44.29%
44.63%
0.52
74.78%
75.97%
105.37%
86.55%
0.66
64.64%

1.58%
1.07%
2.71%
0.01

0.03
1.92%
81.12%
191.41%
171.66%
112.48%

24.77%
24.84%
0.04
0.05
9.51
9.92
1.80
2.09
-76.32
14.85
J.Cash flow ratio

82
ADVANS PAKISTAN MICROFINANCE BANK LTD

Items
2011
2012
736,597
1.Share capital
800,000
2.Reserves
(63,403)
4.Others
91,697
1.Bills payable
91,697
828,294
46
762,370
4.Investments
5.Gross advances
9.Fixed assets
48,617
17,261
37,830

37,830
37,830
100,854
97,368
(63,024)
(63,403)
80,000
2.Cash dividend
0.00
0.00
15,034
1.Spread (D3/D1)
1.00
4.57%
-8.61%
-7.65%
0.00
4.57%
0.00
-1.54
2.67
-0.79
92.05%
0.00
0.00
0.00
11.07%
E.Other items
G.Liquidity ratios
0.00

88.93%
0.00
9.21
0.00
1.Cash generated from opration activities to profit after tax (E4/D10) ( -
-0.24
J.Cash flow ratio
83
APNA MICROFINANCE BANK (formerly NETWORK MICROFI

Items
2011
2012
205,806
156,490
1.Share capital
300,000
300,000
50
50
(94,244)
(143,560)
152,950
13,601
505,378
747
2,186
11,428
468,025
2.Reserves
4.Others
1.Bills payable
1,426
35,167
219,407
814,818
1,862
46,167
3,296
395,536
201,678
154,951
5.Gross advances
4,967
125,859
3,704
15,555
2,051
4,071
2,916
121,788
9.Fixed assets
7,917
71,193
1,738
25,183
33,342
50,189
967
16,772
32,375
33,417
4.Investments

7,722
252
24,653
33,165
61
2,776
38,700
84,753
38,700
84,753
(13,986)
(48,813)
(14,319)
(49,315)
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
18,250
310,450
0.97
66.58%
14.76%
0.04
-6.96%
-31.51%
-6.53%
-6.05%
0.03%
0.34%
11.24%
4.07%
0.03
33.42%

1.Spread (D3/D1)
-2.77
-1.74
115.86%
160.02%
634.43
30.53
-0.48
-1.64
2.35%
54.21%
91.92%
19.02%
1.33%
14.95%
5.21%
57.44%
0.06
62.02%
43.46%
26.89%
43.46%
26.89%
74.57%
12.36%
41.29%
3.23%
0.02
9.94%

G.Liquidity ratios

3.77
6.19%
55.37%
26.17%
0.94
19.21%
0.00
0.00
6.86
5.22
0.06
2.99
-1.27
-6.30

J.Cash flow ratio

84
FINCA MICROFINANCE BANK LIMITED

Items
2011
2012
205,060
938,658
1.Share capital
750,000
1,620,000
2.Reserves
(544,940)
(681,342)
43,496
(654,017)
1,203,601
1,833,188
2,305
17,197
1,141,614
1,727,060
59,682
88,931
1,452,157
2,117,829
86,311
135,014
293,881
403,525

4.Others
1.Bills payable

4.Investments
72,673
142,781
703,944
1,152,299
11,630
9,939
11,449
11,301
692,495
1,140,998
9.Fixed assets
218,774
200,220
88,023
95,291
292,276
409,687
70,563
127,978
221,713
281,709
8,953
15,576
212,760
266,133
83,006
92,610
452,675
501,143
447,868
486,596
(156,909)
(142,400)
(145,756)
(136,518)
75,000
162,000
2.Cash dividend
0.00
0.00
0.00
0.00
(55,846)
31,203
2,145
1.Spread (D3/D1)
75.86%
68.76%
15.27%
0.13
5.Gross advances
E.Other items

-71.08%
-14.54%
-10.04%
-6.45%
5.72%
4.37%
14.65%
12.57%
24.14%
31.24%
-2.85
-3.42
120.62%
99.77%
5.40
5.25
-1.94
-0.84
26.18%
25.43%
0.05
6.74%
47.69%
53.88%
78.62%
81.55%
82.88%
86.56%
61.66%
66.72%
61.66%
66.72%
1.65%
0.86%
1.63%
0.98%
5.67%
1.06%
0.78
137.83%
98.44%
1.14
14.12%
44.32%
0.01
0.00
2.73
5.79
5.57
1.84
0.38
-0.23

G.Liquidity ratios

J.Cash flow ratio

85
KHUSHHALIBANK LIMITED
Items
2011
2012
2,337,033
2,471,915
1.Share capital
1,705,000
1,705,000
2.Reserves
227,556
241,145
404,477
525,770
28,746
17,113
4.Others
5,855,701
7,464,588
31,406
27,758
3,957,627
3,009,836
1,677,012
4,040,647
189,656
386,347
8,221,480
9,953,616
232,404
482,696
817,281
792,784
1,138,029
590,015
944,757
1,043,516
1.Bills payable

4.Investments
5.Gross advances
4,273,802
5,805,575
104,294
63,788
106,689
88,544
4,167,113
5,717,031

9.Fixed assets
201,173
312,592
720,723
1,014,982
1,308,322
1,499,355

285,788
353,449
1,022,534
1,145,906
173,765
284,731
848,769
861,175
376,275
585,324
1,128,930
1,326,714
1,119,949
1,320,130
96,260
119,785
151,564
167,940
170,500
170,500
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
(42,143)
903,134
11,566
49,231
1.Spread (D3/D1)
78.16%
76.43%
12.44%
11.51%
6.49%
6.79%
1.84%
1.69%

4.58%
5.88%
10.32%
8.65%
21.84%
23.57%
11.63
11.02

67.01%
63.64%
2.98
2.26
0.89
0.98
G.Liquidity ratios
12.77%
12.81%
11.49%
10.48%
50.69%
57.44%
0.20
40.59%
71.22%
74.99%
254.85%
143.68%
75.85%
82.34%
2.44%
0.01

0.03
1.53%
4.46%
2.58%
162.87%
321.57%
1.02
138.81%
28.43%
24.83%
0.00
0.02
13.71
14.50
0.72
1.63
-0.28
5.38

J.Cash flow ratio
86
NRSP MICROFINANCE BANK LTD.

Items
2011
2012
834,943
1,158,900
1.Share capital
840,000
1,000,000
7,108
50,762
(12,165)
108,138
65,574
108,353
3,198,776
5,066,259
2.Reserves
4.Others
1.Bills payable
2,446,687
3,063,922
632,545
1,830,958
119,544
171,379
4,099,293
6,333,512

61,626
143,503
1,615,869
1,234,409
4.Investments
5.Gross advances
61,456
1,470,848
2,088,952
3,057,044
12,204
20,868
35,991
2,068,084
3,021,053
214,302
243,245
77,956
220,454
478,692
941,712
261,360
495,658
217,332
446,054
21,534
19,537
195,798
426,516
194,680
248,229
353,789
526,715
337,549
526,715
36,689
148,030
35,543
166,733
84,000
100,000
2.Cash dividend
0.00
0.00
0.00
0.00
(1,415,616)
898,144
0.45
47.37%

9.Fixed assets
E.Other items

1.Spread (D3/D1)
0.05
7.04%
4.26%
14.39%
0.87%
2.63%
4.75%
3.92%
4.78%
6.73%
0.55
52.63%
9.20
3.56
52.54%
44.26%
1.73
2.12
0.42
1.67
40.92%
21.76%
G.Liquidity ratios
0.02
23.22%
50.45%
0.48
15.43%
28.91%
78.03%
79.99%
330.25%
166.96%
67.84%
62.45%

0.00
0.00
0.01
1.18%

0.00
1.05%
103.19%
54.28%
294.91%

20.37%
0.18
0.00
0.00
9.94
11.59
0.76
1.58
-39.83
5.39
J.Cash flow ratio

87
PAK OMAN MICROFINANCE BANK LIMITED

Items
2011
2012
704,321
704,225
1.Share capital
751,820
751,820
5,939
5,916
(53,438)
(53,511)
4.Others
(4,428)
(3,971)
47,571
46,544
1.Bills payable
25,342
26,806
22,229
19,738
747,464
746,798
3,138
2,303
2.Reserves
15,894
14,733
453,819
445,747
58,529
80,629
123,909
140,083
6,253
9,304
2,331
2,620
121,578
137,463
9.Fixed assets
13,392
17,839
81,114
48,084
101,929
102,066

4.Investments
5.Gross advances

358
202
101,571
101,864
5,198
6,114
96,373
95,750
10,415
9,980
99,501
104,419
99,256
104,288
7,287
(837)
5,065
(1,498)
E.Other items
75,182
75,182
2.Cash dividend
0.00
0.00
0.00
0.00
(16,850)
25,041
3,045
3,045
1.Spread (D3/D1)
99.65%
1.00
13.59%
13.64%
0.72%
-0.21%
0.68%
0.00
1.39%
1.34%
12.89%
12.82%
0.35%
0.00
13.62
-124.60
88.57%
93.19%
9.53
10.45
0.07
-0.02
2.55%
2.28%
7.83%
0.11


G.Liquidity ratios
16.27%
18.41%
3.39%
3.59%
6.36%
6.23%
488.95%
522.58%
488.95%
522.58%
5.05%
6.64%
1.88%
1.87%

0.89%
1.32%
222.99%
233.36%
37.28%
28.16%

94.23%
0.94
0.00
0.00
9.37
9.37
0.04
0.04
-3.33
-16.72
J.Cash flow ratio

88
2015
SINDH MICROFINANCE BANK

Items
(Thousand Rupees)
2015
765,213
1.Share capital
750,000
2.Reserves
4.Others
3,042
12,171
0
2,430
1.Bills payable
2,430
767,643
10
155,844
600,000
4.Investments
5.Gross advances
9.Fixed assets
2,524
9,265

38,502
0
38,502
0
38,502
0
15,096
15,096
23,404
15,213
E.Other items
75,000
2.Cash dividend
0.00
0.00
8,673

1.Spread (D3/D1)
1.00
5.02%
1.99%
1.98%
0.00
5.02%
0.00
0.65
39.21%
0.20
G.Liquidity ratios
0.20
0.00
0.00
0.00
0.32%

0.00

99.68%
0.00
10.20
0.00
J.Cash flow ratio

89
0.57
TAMEER MICROFINANCE BANK

Items
2011
2012
1,458,224
1,826,510
1.Share capital
1,346,939
1,346,939
2.Reserves
4.Others
1.Bills payable
439,430
540,611
(328,145)
(61,040)
17,621
12,747
6,805,261
11,510,607
1,801,725
1,391,257
4,512,529
8,371,951
491,007
1,747,399
8,281,106
13,349,864
516,706
730,133
1,258,896
927,509

4.Investments
328,236
3,604,983
5,070,422
6,700,230
34,762
56,686
16,125
12,365
5.Gross advances
5,054,297
6,687,865
9.Fixed assets
252,812
349,240
870,159
1,050,134

1,277,002
1,951,549
445,874
773,757
831,128
1,177,792
(18,141)
23,137
849,269
1,154,655
407,877
719,624
1,030,425
1,370,884
1,011,568
1,353,755
226,721
503,395
134,470
374,339
134,694
134,694
2.Cash dividend
0.00
0.00
0.00
0.00
(378,538)
2,582,647
1.Spread (D3/D1)
65.08%
60.35%
10.04%
8.82%
E.Other items

9.22%
20.49%
1.62%
0.03
4.93%
5.39%
10.26%
8.65%
34.92%
39.65%
4.46
2.69

61.16%
51.32%
2.48
1.88
1.00
2.78
21.44%
12.42%
3.96%
0.27
61.03%
0.50
54.49%
62.71%
G.Liquidity ratios
82.18%
86.22%
112.36%
80.03%
0.80
68.63%
0.69%
0.85%
0.32%
0.18%
2.38%
0.03
-1.13
187.12%
46.39%
21.81%
17.61%
13.68%
0.00
0.00
10.83
13.56
3.09
4.58
-2.82
6.90


J.Cash flow ratio
90
THE FIRST MICROFINANCE BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others
2011
2012
777,043
955,004
1,111,501
1,351,501
13,472
13,472
(347,930)
(409,969)
13,804
31,806

1.Bills payable
6,187,130
7,276,788
35,783
22,805
383,404
5,919,718
6,570,628
231,629
299,951
6,977,978
8,263,598
355,511
375,434
729,156
945,582
245,942
4.Investments
3,040,177
3,538,250
5.Gross advances
2,407,144
3,056,662
68,770
45,397
238,110
84,932
2,169,034
2,971,730
9.Fixed assets
127,435
130,120
310,723
302,482
1,157,046
1,255,914
502,257
530,035
654,789
725,879
123,526
109,813
531,263
616,066
100,842
104,919
712,980
774,688
710,341
773,012
(80,875)
(53,702)
(93,396)
(63,406)
111,150
135,150
0.00
0.00


E.Other items
2.Cash dividend
0.00
0.00
52,473
235,251
260,422
400,000

1.Spread (D3/D1)
56.59%
0.58
9.38%
8.78%
-12.02%
-6.64%
-1.34%
-0.77%
1.45%
1.27%
7.61%
7.46%
43.41%
0.42
-8.78
-14.39
56.68%
56.93%
7.04
7.37
-0.84
-0.47

G.Liquidity ratios
15.54%
15.99%
43.57%
42.82%
31.08%
35.96%
84.83%
79.51%
88.67%
88.06%
40.66%
46.52%
40.66%
43.96%
2.86%
1.49%
9.89%
2.78%
8.85%
4.75%
51.88%
1.29
346.24%
187.09%
11.14%
11.56%
0.34
0.42
6.99
7.07
7.62
6.88
-0.56
-3.71

J.Cash flow ratio

91
U MICROFINANCE BANK LTD.

Items
2011
2012
126,841
1,109,593
1.Share capital
185,714
1,185,714
2,042
2,042
(60,915)
(78,163)
4.Others
(25,714)
(25,714)
9,486
29,204
623
122
2.Reserves

1.Bills payable
7,091
5,574
1,772
23,508
110,613
1,113,083
1,028
847
1,113
1,043,051
4.Investments
99,515
4,937
5.Gross advances
2,275
763
2,274
638
99
319
2,176
444
535
50,333
6,246
13,471
12,236
14,079
593
452
11,643
13,627
81
515
11,562
13,112
4,084
1,618
7,356
31,837
7,254
31,837
8,290
(17,107)
8,167
(17,248)
18,571
118,571
2.Cash dividend
0.00
0.00
0.00
0.00
(9,260)
(2,534)
73,951
1.Spread (D3/D1)
95.15%
96.79%

9.Fixed assets
E.Other items

10.53%
1.22%
6.44%
-1.55%
7.38%
-1.55%
3.69%
0.15%
10.45%
1.18%
4.85%
3.21%
0.88
-1.86
45.07%
202.82%
1.78
19.68
0.44
-0.15
1.94%
93.78%

G.Liquidity ratios
89.97%
0.44%
1.97%
0.04%
6.41%
0.01
8.58%
2.62%
32.08%
13.69%
32.08%
13.69%

99.96%
83.62%
4.35%
41.81%
1.79%
0.06%
81.82%
161.44%
4.35%
0.50

114.67%
99.69%
0.00
0.07
6.83
9.36
0.06
0.01
-1.13
0.15
J.Cash flow ratio

92
WASEELA MICROFINANCE BANK LTD.

Items
2011
2012
1,080,971
1,045,777
1.Share capital
1,137,504
1,137,504
(56,533)
(91,727)
2.Reserves
4.Others
904
15,520
134,216
1.Bills payable
112,151
15,520
22,065
1,096,491
1,180,897
9,771
1,024,734
120,587
4.Investments
915,411
5.Gross advances
648
642
63,684
110,379
8,073
24,107
11,790
109,620
9.Fixed assets
6,670
1,252
5,120
108,368

5,120
108,362
1,311
61,535
144,312
61,535
143,538
(56,415)
(34,640)
(56,533)
(35,194)
E.Other items
113,750
113,750
2.Cash dividend
0.00
0.00
0.00
0.00
(45,650)
85,578
3,305
43.43%
98.86%
0.47%
9.18%
-5.23%
-3.37%
-5.16%
-2.98%
0.00
0.11%
0.47%
9.18%
56.57%
1.14%
-1.09
-4.14
521.93%
130.09%

1.Spread (D3/D1)

109.49
-0.50
-0.31
93.46%
11.04%
0.00
77.52%
0.00
0.05%
0.00
0.10
1.42%
11.37%
G.Liquidity ratios
0.58%
0.58%
0.00
0.93%
0.00
0.00
1.00
-

98.58%
88.56%
0.00
0.00
9.50
9.19
0.00
0.11
0.81
-2.43
J.Cash flow ratio

93
Leasing Companies - Overall

Items
2011
2012
4,897,834
4,398,423
1.Share capital
4,384,659
4,384,659
2.Reserves
2,098,810
2,288,405
(1,585,635)
(2,274,641)
279,435
260,845
28,579,718
28,948,716

4.Others
14,411,788
13,536,031
3,519,842
3,100,064
5,823,263
5,053,880
5,068,683
5,382,087
14,167,930
15,412,685
33,756,987
33,607,984
18,060,998
17,489,932
13,380,148
12,518,742
b.Fixed assets
1,758,486
1,911,824
2,922,364
3,059,366
15,695,989
16,118,052
2,007
1,896
340,952
500,820
841,296
1,338,031
34,216
19,548
1,218,471
1,860,295
14,477,518
14,257,757
2,834,411
2,791,681
754,690
767,726
3,589,101
3,559,407
82,116
129,842
776,543
862,669
4,447,760
4,551,918
964,151
969,903
405,376
27,510
355,406
(388,072)


5.Other income
E.Other items
438,464
438,464
2.Cash dividend
N/A
N/A
3.Stock dividend
N/A
N/A
1,459,294
190,094
7.26%
-8.82%
2.07%
0.15%
1.05%
-1.15%
7.99%
-8.53%
80.69%
0.78
6.Administrative expenses to profit before tax. (D7/D9) (times)
2.71
-2.50
0.81
-0.89
G.Liquidity ratios
3.61%
5.54%
39.64%
37.25%
1.11
1.05
0.85
0.86
14.51%
13.09%
11.17
10.03
1.Cash generated from operating activities to profit after tax. (E4/D9) (
4.11
-0.49
2.Cash generated from operating activities to current liabilities (E4/B2)
0.10
0.01

I.Cash flow ratio
96
Capital Assets Leasing Corporation Ltd.

Items
1.Share capital
2.Reserves
4.Others
2011
2012
98,919
106,787
107,444
107,444
9,639
17,989
(18,164)
(18,646)
12,376
66,003
37,179
37,179
12,376
28,824

111,295
172,790
85,088
149,334
b.Fixed assets
54,928
117,755
30,160
31,579
26,207
23,456
19
22
517
297
10,115
9,548
10,651
9,867
15,556
13,589
323
14
15,358
21,886
15,681
21,900
1,012
122
16,693
22,022
5,911
6,428
12,175
12,410
41,749
7,868
10,744
10,744
2.Cash dividend
0.05
0.00
3.Stock dividend
0.00
0.00
1,845
21,934
42.21%
7.37%
12.31%
8.62%
37.51%
4.55%
2.50
35.73%
93.94%
99.45%
0.14
0.82
3.89
0.73
9.57%
5.71%
0.00
0.00
2.12
0.81
0.11
0.38
88.88%
0.62
9.21
9.94
0.04
2.79



5.Other income
E.Other items


G.Liquidity ratios

I.Cash flow ratio
0.15
0.76
97
Grays Leasing Ltd.

Items
2011
2012
75,433
72,872
215,000
215,000
58,625
58,625
(198,192)
(200,753)
76,108
310,943
170,509
281,847
164,033

1.Share capital
2.Reserves
4.Others
62,378
12,383
219,469
151,650
29,096
6,476
462,484
243,381
448,392
237,999
431,552
236,718
16,493
1,046

b.Fixed assets
347
235
14,092
5,382
39
33
11,151
3,578
2,101
13,291
3,611
801
1,771
18,842
14,775
988
107
19,830
14,882

5.Other income
10,780
11,048
30,610
25,930
20,628
14,579
(42,506)
(1,784)
(44,170)
(3,523)
E.Other items

2.Cash dividend
3.Stock dividend
21,500
21,500
0.00
0.00
0.00
0.00
(27,623)
(4,117)
-58.56%
-4.83%
-9.81%
-0.75%
-9.55%
-1.45%
-1.44
-13.59%
64.78%
57.39%
-0.47
-4.14
-2.05
-0.16
2.87%
1.48%


G.Liquidity ratios
93.31%
97.26%
0.48
0.83
0.67
0.70
16.31%
29.94%
3.51
3.39
0.63
1.17
-0.95
-0.64

I.Cash flow ratio
98
NBP Leasing Ltd. (formerly NBP Capital)

Items
2011
2012
705,192
711,556
1.Share capital
500,000
500,000
2.Reserves
106,407
108,699
98,785
102,857

4.Others
(17,939) -
215,889
461,215
88,612
294,069
150,000
86,935
140,958
1,677
3,111
127,277
167,146
903,142
1,172,771
592,851
609,094
394,831
598,367
b.Fixed assets
9,374
9,346
188,646
1,381
310,291
563,677
351
75

7,011
4,092
51,152
30,407
058,514
34,574
251,777
529,103
48,166
66,088
46,215

94,381
66,088
5.Other income
25,775
94,381
91,863
44,826
47,330
57,080
12,712
56,276
11,459
E.Other items
50,000
50,000
2.Cash dividend
0.00
0.00
3.Stock dividend
0.00
0.00
(232,366)
(183,781)
7.98%
1.61%
7.36%
1.26%
6.23%
0.98%

59.63%
12.47%
1.00
71.94%
0.80
4.13
1.13
0.23
6.48%
2.95%
43.72%
51.02%
2.44
3.37
0.24
0.39
78.08%
60.67%
14.10
14.23
-4.13
-16.04
-1.83
-1.10
G.Liquidity ratios

I.Cash flow ratio
99
Orix Leasing Pakistan Ltd.

Items
1.Share capital
2.Reserves
4.Others
2011
2012
2,160,686
2,362,628
820,529
820,529
1,340,157
1,542,099
87,013
85,046
19,554,519
19,580,495
11,093,605
10,591,161
2,172,519
1,938,187
4,308,266
3,585,740
4,612,820
5,067,234
8,460,914
8,989,334
21,802,218
22,028,169
12,238,277
11,672,239
9,109,645
7,871,090
b.Fixed assets
1,266,877
1,356,922
1,861,755
2,444,227
9,563,941
10,355,930
1,341
1,493
240,936
334,880
358,263
737,619

600,540
1,073,992
8,963,401
9,281,938

2,107,805
2,012,627
648,815
717,273
2,756,620
2,729,900
37,967
72,165

5.Other income
395,416
547,358
3,190,003
3,349,423
548,631
585,467
226,585
274,864
144,673
201,864
82,053
82,053
E.Other items
2.Cash dividend
0.10
0.15
3.Stock dividend
0.00
0.00
1,022,310
407,468
0.07
8.54%
0.02
2.11%
0.66%
0.92%
4.54%
6.03%
86.41%
0.82
3.79
2.90
1.76
2.46
2.75%
4.88%
41.78%
35.73%
1.13
1.15
0.90
0.89
9.91%
10.73%
26.33
28.79
7.07
2.02
0.12
0.05

G.Liquidity ratios

I.Cash flow ratio
100
Pak-Gulf Leasing Co. Ltd.

Items
2011
2012
364,255
389,369
1.Share capital
253,698
253,698
2.Reserves
41,785
44,648
68,772
91,023
4.Others
41,756
39,045
410,023
421,665
288,464
304,498
25,000
198,580
217,146
64,884
87,352

121,559
117,167
816,034
850,079
527,791
524,056

b.Fixed assets
450,676
449,235
73,978
71,665
3,137
3,156
288,243
326,023
2,232
42,903
1,745
1,643
3,982
44,547
284,261
281,476
61,302
75,914
3,172
1,446
64,474
77,360

4,724
7,046
69,198
84,406
31,455
28,187
32,108
48,102
33,900
22,505
25,370
25,370
2.Cash dividend
0.00
0.00
3.Stock dividend
0.00
0.00
(48,250)
73,705
9.31%
5.78%
4.62%
6.56%
4.15%
2.65%
48.99%
26.66%
5.Other income
E.Other items

93.17%
91.65%
0.93
1.25
1.34
0.89
G.Liquidity ratios
0.49%
5.24%
55.23%
52.85%
2.37
2.78
0.50
0.50
44.64%
0.46
14.36
15.35
-1.42
3.28
-0.40
0.63

I.Cash flow ratio
101
SME Leasing Ltd.

Items
2011
2012
236,989
207,756
1.Share capital
320,000
320,000
48,466
48,466
(131,477)
(160,710)
184
130
2.Reserves
4.Others
552,768
379,168
99,120
64,013
14,111
3,540
72,496
55,798
12,513
4,675
453,648
315,155
789,941
587,054
207,162
114,354
158,289
82,582
b.Fixed assets
23,017
20,804
25,856
10,968
582,779
472,700
49
72
10,367
7,119
3,864
3,809
14,280
11,000
568,499
461,700
44,260
34,334

44,260
34,334
297
273
5.Other income
15,162
11,220
59,719
45,827
47,250
40,555
(61,943)
(28,859)
(62,540)
(29,088)
32,000
32,000
0.00
0.00
E.Other items
2.Cash dividend
3.Stock dividend
0.00
0.00
31,297
81,255
-26.39%
-0.14
-18.42%
-10.61%
-7.92%
-4.95%
-104.72%
-63.47%
74.11%
74.92%
-0.76
-1.39
-1.95
-0.91
1.81%
1.87%
20.04%
14.07%
1.28
1.50
0.70
0.65
0.30
35.39%
7.41
6.49
-0.50
-2.79
0.07
0.26


G.Liquidity ratios
I.Cash flow ratio
102
Saudi Pak Leasing Co. Ltd.

Items
2011
2012
(239,548)
(1,055,646)
1.Share capital
451,605
451,605
2.Reserves
148,257
148,257
(839,410)
(1,655,508)
23,664
47,636
3,378,209
3,006,328
1,100,629
684,168
580,551
507,776
164,269
70,039
355,809
106,353
2,277,580
2,322,160

4.Others
3,162,325
1,998,318
765,287
482,427
453,840
282,416
b.Fixed assets
99,760
132,660
211,687
67,351
2,397,038
1,515,891
137
113
31,564
27,166
184,144
122,569
215,845
149,848
2,181,193
1,366,043

135,665
57,856
9,968
4,917
145,633
62,773

5.Other income
73,932
81,354
219,565
144,127
90,227
76,690
(165,937)
(602,998)
(117,678)
(821,752)
45,160
45,160
0.00
0.00

E.Other items
2.Cash dividend
3.Stock dividend
0.00
0.00
935,483
311,771
49.13%
77.84%

-18.76%
1.86
-3.72%
-41.12%
-0.54
-570.16%
66.33%
43.55%
-0.77
-0.09
-2.61
-18.20
6.83%
0.08
G.Liquidity ratios
14.35%
14.13%
1.05
0.65
1.07
1.50
-7.58%
-52.83%
-5.30
-23.38
-7.95
-0.38
0.41
0.13

I.Cash flow ratio
103
Security Leasing Corporation Ltd.

Items
2011
2012
310,259
378,095
1.Share capital
438,028
438,028
2.Reserves
159,867
181,867
(287,636)
(241,800)
24,830
44,193
1,598,998
1,030,110
898,338
604,908
665,283
488,178
233,055
116,730

4.Others
700,660
425,202
1,934,087
1,452,398
837,029
745,903
328,129
250,175
b.Fixed assets
145,434
136,847
363,466
358,881
1,097,058
706,495
12
7,079
4,828
9,110
22,000
10,000
38,191
14,840
1,058,867
691,655
100,876
78,899
15,418
11,701
116,294
90,600
(625)
(55)
5.Other income
259,186
169,174
374,855
259,719

86,112
83,379
216,731
115,894
205,845
112,029
E.Other items
43,802
43,802
2.Cash dividend
0.00
0.00
3.Stock dividend
0.00
0.00
251,530
231,789
66.35%
29.63%
17.57%
11.28%
10.64%
7.71%
54.91%
43.13%
31.02%
34.88%
0.42
0.74
4.70
2.56
G.Liquidity ratios
1.97%
1.02%
16.97%
17.22%
1.57
1.66
0.83
0.71
16.04%
26.03%
7.08
8.63
1.22
2.07
0.36
0.55

I.Cash flow ratio
104
Standard Chartered Leasing Ltd.

Items
2011
2012
851,125
900,064
1.Share capital
978,355
978,355
2.Reserves
118,183
137,755
(245,413)
(216,046)

4.Others
(4)
(331)
2,412,764
3,813,386
482,311
785,739
482,311
715,819
69,920
1,930,453
3,027,647
3,263,885
4,713,119
2,182,561
2,891,162
1,944,578
2,748,159
1,016
1,647

b.Fixed assets
236,967
141,356
1,081,324
1,821,957
73
6,778
6,065
19,400
188,540
26,185
194,678
1,055,139
1,627,279
292,120
438,938

14,756
10,396
306,876
449,334
26,561
36,360
5.Other income
10,822
5,275
344,259
490,969
81,691
81,255
117,345
177,859
76,274
97,856
97,835
97,835
2.Cash dividend
0.05
0.08
3.Stock dividend
0.00
0.00
(584,795)
(874,915)
8.96%
10.87%
0.09
10.55%

E.Other items

2.34%
2.08%
22.16%
19.93%
89.14%
91.52%
1.07
0.83
0.78
1.00
0.01
4.13%
59.58%
58.31%
0.56
0.60
0.74
0.81
26.08%
0.19
8.70
9.20
-7.67
-8.94
-0.30
-0.29
G.Liquidity ratios

I.Cash flow ratio
105
Investment Banks - Overall

Items
2011
2012
3,075,022
1,566,205
1.Share capital
8,809,385
8,809,385
2.Reserves
(858,318)
(857,760)
(4,876,045)
(6,385,420)
4.Others
(105,833)
(25,399)
21,456,869
14,142,235
17,766,231
11,751,285
3,690,638
2,390,950
24,426,058
15,683,041
18,686,973
10,855,751
346,509
483,765
18,340,464
10,371,986
5,739,085
4,827,290
893,086
934,697
1,248,919
1,102,393
3,597,080
2,790,200
1.Gross revenue
2,326,809
1,529,708
1,019,462
833,150
3.Operating profit
1,307,347
696,558
4.Finance cost
2,000,693
1,496,584
(771,710)
(2,355,049)
(859,567)
(2,093,629)

a.Fixed assets
E.Other items
880,940
880,940
2.Cash dividend
N/A
N/A
N/A
N/A
(205,553)
1,001,312
-27.95%
-133.68%
-11.59%
-0.60
-3.52%
-13.35%

-36.94%
-136.86%
-1.19
-39.79%
-0.98
-2.38
1.05
0.92
0.88
0.90
5.11%
7.03%
G.Liquidity ratios

12.59%
9.99%
3.49
1.78
0.24
-0.48
I.Cash flow ratio

108
Escorts Investment Bank Ltd.

Items
2011
2012
304,107
268,703
1.Share capital
441,000
441,000
2.Reserves
154,050
154,050
(290,943)
(326,347)
(2,499)
31,067
1,854,696
1,699,759
1,736,893
1,462,806
4.Others
117,803
236,953
2,156,304
1,999,529
1,723,184
1,567,758
26,434
48,339
1,696,750
1,519,419
433,120
431,771
82,481
109,504
157,234
100,994
193,405
221,273
226,765
249,454
85,905
71,410
140,860
178,044
76,167
126,929
(64,410)
(44,359)
(62,185)
(35,404)
44,100
44,100
2.Cash dividend
0.00
0.00
0.00
0.00
134,072
3,184
-20.45%
-13.18%

a.Fixed assets

1.Gross revenue
3.Operating profit
4.Finance cost
E.Other items


-15.36%
-8.26%
-2.88%
-1.77%
-27.42%
-14.19%
-138.14%
-2.02
-1.41
-0.80
0.99
1.07
0.86
0.85
7.29%
5.05%
0.14
13.44%
6.90
6.09
-2.16
-0.09

G.Liquidity ratios

I.Cash flow ratio

109
First Credit and Investment Bank

Items
2011
2012
727,979
657,577
1.Share capital
650,000
650,000
2.Reserves
117,663
117,663
(39,684)
(110,086)
4.Others
(12,587)
(19,447)
802,483
583,742
594,358
449,542
208,125
134,200
1,517,875
1,221,872
699,191
504,951

8,598
4,514
690,593
500,437
818,684
716,921
12,072
13,025
676,605
560,575
130,007
143,321
137,804
139,198
49,177
49,027
3.Operating profit
88,627
90,171
4.Finance cost
92,344
91,041
a.Fixed assets

1.Gross revenue
(136,419)
(85,113)
(88,462)
(71,197)
65,000
65,000
2.Cash dividend
0.00
0.00
0.00
0.00
(115,855)
144,075
-12.15%
-10.83%
-14.77%
-11.02%

E.Other items

-5.83%
-5.83%
-64.19%
-51.15%
-55.59%
-68.86%
-1.36
-1.10
1.18
1.12
0.53
0.48
44.58%
45.88%
47.96%
53.82%
11.20
10.12
1.31
-2.02

G.Liquidity ratios

I.Cash flow ratio
110
First Dawood Investment Bank Ltd.

Items
1.Share capital
2.Reserves
4.Others
2011
2012
615,906
210,885
1,342,326
1,342,326
333,745
333,745
(1,060,165)
(1,465,186)
(24,762)
(9,988)
1,233,747
952,970
656,529
669,075
577,218
283,895
1,824,891
1,153,867
1,298,387
684,799
114,052
139,860
1,184,335
544,939

526,504
469,068
69,471
7,487
163,947
186,929
293,086
274,652
192,259
14,730
a.Fixed assets

1.Gross revenue
88,027
84,482
104,232
(69,752)
4.Finance cost
18,403
4,875
12,905
(408,083)
(44,024)
(376,388)
134,233
134,233
0.00
0.00
3.Operating profit

E.Other items
2.Cash dividend
0.00
0.00
320,540
99,447
-7.15%
-178.48%

0.01
-84.18%
-2.41%
-32.62%
-0.23
-2555.25%
-199.95%
-22.45%
-0.33
-2.80
1.98
1.02
0.68
0.83
8.98%
0.16
33.75%
18.28%
4.59
1.57
-7.28
-0.26

G.Liquidity ratios

I.Cash flow ratio
111
IGI Investment Bank Ltd.

Items
2011
2012
1,112,063
1,158,179
1.Share capital
2,121,025
2,121,025
115,145
115,145
2.Reserves
(1,124,107)
(1,077,991)
(55,489)
(37,372)
8,258,383
3,259,742
7,799,232
2,867,370
459,151
392,372
9,314,957
4,380,549
7,905,249
2,985,022
138,606
182,851
7,766,643
2,802,171
1,409,708
1,395,527
151,764
153,837
22,932
26,179
1,235,012
1,215,511
1.Gross revenue
926,231
609,533
380,537
287,174
3.Operating profit
545,694
322,359
4.Finance cost
873,001
565,336
(208,767)
(814,460)
(271,618)
(603,884)
212,103
212,103
2.Cash dividend
0.00
0.00
0.00
0.00
(622,551)
494,834
-24.42%
-52.14%
-13.77%
-53.82%
-2.92%
-13.79%
-29.33%
-99.07%
-1.40
-47.55%
-1.28
-2.85
1.01
1.04
4.Others
a.Fixed assets
E.Other items


G.Liquidity ratios
0.89
0.74
0.25%
0.01
11.94%
26.44%
5.24
5.46
2.29
-0.82

I.Cash flow ratio
112
Invest Capital Investment Bank Ltd.

Items
2011
2012
(299,028)
(289,723)
1.Share capital
2,848,669
2,848,669
2.Reserves
(2,022,076)
(2,022,076)
(1,125,621)
(1,116,316)
4.Others
9,259
8,676
3,677,196
2,468,157
2,997,097
1,991,616
680,099
476,541
3,387,427
2,187,110
2,531,467
1,670,629
15,341
62,199
2,516,126
1,608,430
855,960
516,481
a.Fixed assets
310,817
199,006
112,882
84,906
432,261
232,569
1.Gross revenue
215,467
190,148
228,676
156,939
3.Operating profit
(13,209)
33,209

4.Finance cost
325,595
110,536
(435,909)
10,982
(436,621)
9,305
E.Other items
284,867
284,867
2.Cash dividend
0.00
0.00
0.00
0.00
105,597
(123,566)
146.01%
-3.21%
-111.68%
5.62%
-12.89%
0.43%


-202.64%
4.89%
-52.37%
1686.61%
-1.53
0.03
0.84
0.84
1.09
1.13
3.33%
3.88%

G.Liquidity ratios

-8.83%
-13.25%
-1.05
-1.02
-0.24
-13.28
I.Cash flow ratio

113
Security Investment Bank Ltd.

Items
2011
2012
517,609
522,126
1.Share capital
514,336
514,336
2.Reserves
142,124
142,682
(138,851)
(134,892)
4.Others
(47,431)
(17,708)
393,523
390,717
393,523
390,717
863,701
895,135
738,642
776,810
14,180
35,530
724,462
741,280
125,059
118,325
1,749
1,496
50,983
86,904
72,327
29,925
1.Gross revenue
68,048
85,279
32,112
32,853
3.Operating profit
35,936
52,426
4.Finance cost
29,409
48,098
6,526
4,329
6,093
4,313
51,434
51,434
2.Cash dividend
0.00
0.00
0.00
0.00
(41,234)
11,708
1.18%
0.83%
a.Fixed assets
E.Other items

1.39%
0.86%
0.71%
0.48%
8.95%
5.06%
527.03%
761.72%
0.12
0.08
1.88
1.99
0.46
0.44
0.06
9.71%
59.93%
58.33%
10.06
10.15
-6.77
2.71

G.Liquidity ratios

I.Cash flow ratio
114
Trust Investment Bank Ltd.

Items
1.Share capital
2.Reserves
2011
2012
96,386
(961,542)
892,029
892,029
301,031
301,031
(1,096,674)
(2,154,602)
27,676
19,373
5,236,841
4,787,148
3,588,599
3,920,159
1,648,242
866,989
5,360,903
3,844,979
3,790,853
2,665,782
4.Others
29,298
10,472
3,761,555
2,655,310
1,570,050
1,179,197
264,732
450,342
a.Fixed assets
64,336
55,906
1,240,982
672,949
1.Gross revenue
560,235
241,366
155,028
151,265
3.Operating profit
405,207
90,101
4.Finance cost
585,774
549,769

54,364
(1,018,345)
37,250
(1,020,374)
89,203
89,203
2.Cash dividend
0.00
0.00
0.00
0.00
13,878
371,630
38.65%
106.12%
3.07%
1354.54%
0.69%
-26.54%
6.65%
-422.75%
416.18%
-14.82%
0.42
-11.44
1.06
0.68
0.98
1.25
0.01
1.45%
0.02
-25.01%
1.08
-10.78
0.37
-0.36
E.Other items


G.Liquidity ratios
I.Cash flow ratio

115
Mutual Fund Companies - Overall

Items
2011
2012
20,702,164
21,803,502
19,278,186
17,982,787
2.Reserves
2,116,202
4,529,370
(692,224)
(708,655)
4.Others
4,587,609
1,709,732
566,053
764,055

2.Others
2.Investments
3.Others
47,052
51,268
519,001
712,787
25,855,826
24,277,289
1,847,173
2,279,109
23,432,320
21,073,678
576,333
924,502
1.Income (a to g)
b.Dividend income
5,012,055
3,271,566
548,862
464,914
1,363,218
1,254,691
920,399
412,914
461,407
413,257
f.Capital gain
1,734,608
775,769
g.Other income
(16,439)
(49,979)
691,772
691,852
505,178
441,906
23,752
22,171
8,794
83,701
135,573
137,884
18,475
6,190
4,320,283
2,579,714
2,003,867
1,874,328
5.Other
G.Other items
1.No. of units (000)
2.Cash dividend
N/A
N/A
N/A
N/A
1,105,290
2,738,830
61.85%
47.44%

0.00
0.00
0.86
78.85%
16.71%
10.63%
5.Management expenses (E1/E)
73.03%
63.87%
9.62
9.59
2.16
1.38
7.14%
9.39%
2.19%
3.15%
74.56%
74.07%
0.26
1.06
I.Liquidity ratios

K.Cash flow ratio
Cash generated from operating activities to net income (G4/F) (time)
118
Golden Arrow Selected Stocks Fund Ltd.

Items
2011
2012
767,225
763,012
760,492
760,492
6,733
2,520
195,843
371,934
49,883
25,117
2.Reserves
4.Others
2.Others
2.Investments
3.Others
2,161
1,824
47,722
23,293
1,012,951
1,160,063
10,047
14,569
936,117
1,136,933
66,787
8,561
150,680
323,130

1.Income (a to g)
8,422
4,682
48,649
54,725
b.Dividend income
(10,459)
93,989
f.Capital gain
102,727
169,734
1,341
27,349
32,965
g.Other income
19,661
18,157
590
447
598
1,994
6,500
12,367

5.Other
123,331
290,165
152,098
152,098
2.Cash dividend
0.15
0.24
0.00
0.00
127,864
117,039
62.12%
81.62%
0.00
0.00
81.85%
0.90
12.18%
25.01%

G.Other items

71.89%
55.08%
5.00
5.00
0.81
1.91
0.99%
1.26%
4.92%
2.17%
I.Liquidity ratios
75.08%
65.56%
1.04
0.40
K.Cash flow ratio

119
PICIC Growth Fund

Items
2011
2012
4,764,800
6,147,936
2,835,000
2,835,000
2.Reserves
1,395,722
2,992,500
534,078
320,436
2,992,500
1,089,638
184,318
346,537
12,929
13,993
171,389
332,544
7,941,618
7,584,111
4.Others
2.Others
2.Investments
3.Others
453,731
276,495
7,367,007
7,059,493
120,880
248,123
1,420,959
732,127
65,146
37,401
460,178
415,801

1.Income (a to g)
b.Dividend income
f.Capital gain
g.Other income
44,791
(53,416)
850,844
332,341
198,326
222,844
155,191
141,231
5,255
4,906
31,940
5.Other
33,501
50,686
4,379
(5,919)
1,222,633
509,283
G.Other items
283,500
283,500
2.Cash dividend
0.38
0.18
0.00
0.00
560,007
539,800
63.03%
0.38
0.00
0.00
86.04%
69.56%
0.15
6.72%
78.25%
63.38%
10.00
10.00
4.31
1.80
5.71%
3.65%
2.32%
4.57%
0.36
37.38%
0.46
1.06

I.Liquidity ratios

K.Cash flow ratio
120
PICIC Investment Fund

Items
2011
2012
2,072,994
2,942,654
2,841,250
2,841,250
225
984,913
(768,481)
(883,509)
4.Others
1,499,300
402,453
120,220
196,823
5,954
6,467
114,266
190,356
3,692,514
3,541,930
238,064
160,891
3,376,328
3,267,605
78,122
113,434
709,473
347,065
36,871
21,276
216,046
197,514
(389)
(28,080)
2.Reserves

2.Others
2.Investments
3.Others
1.Income (a to g)
b.Dividend income
f.Capital gain
456,945
156,355
97,438
106,937
71,887
64,904
3,032
2,822
16,120
17,736
13,507
4,783
9,584
612,035
240,128
g.Other income
5.Other
G.Other items
284,125
284,125
2.Cash dividend
0.20
0.08
0.00
0.00
401,816
274,992
64.35%
36.96%
0.00
0.00
86.27%
69.19%
16.58%
6.78%
73.78%
60.69%
10.00
10.00
2.15
0.85
6.45%
4.54%
3.26%
5.56%
76.95%
80.22%
0.66
1.15


I.Liquidity ratios

K.Cash flow ratio
121
Pak Oman Advantage Fund

Items
2011
2012
1,136,053
1,142,894
1,000,000
1,000,000
136,053
142,894
4.Others
(11,255)
(1,222)
10,737
11,581
2.Reserves
2,773
1,349
2.Others
7,964
10,232
1,135,535
1,153,253
347,618
368,179
2.Investments
760,974
754,189
26,943
30,885
1.Income (a to g)
131,632
130,683
144,911
140,933
3.Others
b.Dividend income
(17,329)
(659)
4,050
1,432

f.Capital gain
g.Other income
(11,023)
20,499
22,112
13,386
16,046
1,332
1,361
277
3,265
2,433
5.Other
2,239
2,272
111,133
108,571
100,000
100,000
2.Cash dividend
10.17%
10.18%
0.00
0.00
133,975
122,275
-10.09%
-7.84%
0.00
0.00
84.43%
83.08%
9.79%
9.41%
0.65
72.57%
10.00
10.00
1.11
1.09
30.61%
31.93%
0.95%
0.01
88.06%
86.71%
1.21
1.13

G.Other items

I.Liquidity ratios
K.Cash flow ratio
122
Tri-Star Mutual Fund Ltd.

Items
2011
2012
26,659
25,990
50,000
50,000
(23,341)
(24,010)
4,081
4,816
2,551
3,389
2.Reserves
4.Others
2.Others
2.Investments
3.Others
1,530
1,427
30,740
30,806
30,100
30,169
633
632
3,414
90

1.Income (a to g)
b.Dividend income
48
21
f.Capital gain
3,366
700
(631)
766
759
532
521
30
30
45
159
208
2,648
(669)
5,000
5,000
0.00
0.00
g.Other income

5.Other
G.Other items
2.Cash dividend
0.00
0.00
(761)
(24)
98.59%
76.67%

0.00
0.00
77.56%
-743.33%
8.61%
-2.17%

69.45%
68.64%
10.00
10.00
0.53
-0.13
0.02%
0.02%
13.28%
15.63%
162.65%
162.31%
-0.29
0.04
I.Liquidity ratios
K.Cash flow ratio
123
Modaraba Companies - Overall

Items
2011
2012
12,306,106
12,770,878
8,746,249
8,896,249
2.Reserves
4,751,287
5,143,449
(1,191,430)
(1,268,820)
4.Others
113,520
642,613
13,939,984
16,114,158
10,295,595
12,592,498
3,644,389
3,521,660
26,359,610
29,527,649
11,479,593
11,794,340
1,177,701
1,447,510
10,301,892
10,346,830
14,880,017
17,733,309
a.Fixed assets
11,369,024
13,066,191
2,270,505
3,349,497
1,240,488
1,317,621
5,938,195
6,832,210
1,317,325
1,708,412
3.Operating profit
4,620,870
5,123,798
96,573
100,242
1,156,634
1,342,830
1,127,182
1,307,478
E.Other items
1.No. of certificates (000)
975,422
990,422
2.Cash dividend
N/A
N/A
N/A
N/A
1,336,707
853,698
9.16%
10.24%
0.07
7.93%
4.28%
4.43%
18.98%
19.14%
116.87%
130.66%
7.33%
5.87%
1.16
1.32
1.12
0.94
0.53
0.55
8.61%
11.34%
46.69%
43.25%
12.62
12.89
1.19
0.65
0.13
0.07

G.Liquidity Ratios

I.Cash flow ratio
126
Allied Rental Modaraba

Items
2011
2012
1,212,946
1,572,838
600,000
750,000
2.Reserves
461,075
560,471
151,871
262,367
4.Others
90,000
90,000
807,850
1,048,232
658,070
644,908
149,780
403,324
2,110,796
2,711,070
228,460
352,993
61,489
82,612
166,971
270,381
1,882,336
2,358,077
a.Fixed assets

1,799,334
2,187,223
62,051
54,607
20,951
116,247

1,033,739
1,543,919
654,912
948,701
3.Operating profit
378,827
595,218
7,392
4,988
288,294
498,792
288,294
498,792
60,000
75,000
0.23
0.30
E.Other items
2.Cash dividend
0.25
0.10
868,757
594,884
23.77%
31.71%
19.85%
24.14%
13.66%
0.18
27.89%
32.31%
227.17%
1.90
1.13%
0.53%
4.80
6.65
0.35
0.55


G.Liquidity Ratios
0.38
0.39
2.94%
2.01%
57.46%
58.02%
20.22
20.97
3.01
1.19
1.32
0.92

I.Cash flow ratio
127
B.F. Modaraba
Items
2011
2012
111,953
106,988
75,152
75,152
2.Reserves
23,354
25,856
13,447
5,980
4.Others
15,552
8,340
5,959
5,387
2,930
2,329
3,029
3,058
133,464
120,715
118,469
111,033
17,645
11,958

100,824
99,075
14,995
9,682
a.Fixed assets
14,955
9,642
40
40
29,489
16,006
2,955
3,532
26,534
12,474
2,263
731
20,369
6,583
17,491
6,307
7,515
7,515
2.Cash dividend
0.15
0.05
0.00
0.00
9,767
10,214
15.62%
0.06
0.16
5.56%
13.11%
5.22%
59.31%
0.39
16.89%
0.56
76.58%
0.21
2.33
0.84
40.43
47.67
0.04
0.04
0.03%
0.03%
83.88%
88.63%
14.90
14.24
0.56
1.62
3.33
4.39
3.Operating profit
E.Other items


G.Liquidity Ratios
I.Cash flow ratio
128
B.R.R. Guardian Modaraba

Items
2011
2012
703,731
713,402
780,462
780,462
2.Reserves
565,374
523,824
(642,105)
(590,884)
4.Others
28,952
59,403
2,234,116
2,270,746
1,085,777
1,323,147
1,148,339
947,599
2,966,799
3,043,551
1,180,460
1,209,091
121,699
231,630
1,058,761
977,461
1,786,339
1,834,460
a.Fixed assets
578,976
183,568
662,676
1,204,702
544,687
446,190
614,992
418,193
109,303
109,743
3.Operating profit
505,689
308,450
4,728
3,369
41,703
29,182
41,703
29,182
E.Other items
78,046
78,046
2.Cash dividend
0.03
0.02
0.00
0.00
321,609
285,403
5.93%
4.09%
2.22%
0.02
1.41%
0.96%
6.78%
6.98%
2.62
376.06%
4.33%
3.07%
0.53
0.37
1.09
0.91
0.75
0.75


G.Liquidity Ratios
22.34%
39.58%
23.72%
23.44%
9.02
9.14
7.71
9.78
0.30
0.22

I.Cash flow ratio
129
Crescent Standard Modaraba

Items
2011
2012
118,552
122,143
200,000
200,000
10,463
13,363
(91,911)
(91,220)
4.Others
(1,001)
18
30,688
35,759
24,510
26,032
6,178
9,727
148,239
157,920
96,730
101,137
20,645
34,244
76,085
66,893
51,509
56,783
a.Fixed assets
25,864
35,096
25,645
21,687
23,983
23,768
5,242
5,494
18,741
18,274
570
692
5,026
5,991
5,026
5,991
20,000
20,000
2.Cash dividend
0.01
0.02
0.00
0.00
6,683
27,467
2.Reserves

3.Operating profit
E.Other items

4.24%
0.05
4.06%
4.54%
3.39%
3.79%
20.96%
25.21%
1.04
0.92
10.87%
0.13
0.25
0.30
3.95
3.89
0.21
0.23
0.17
13.73%
79.97%
77.34%
5.93
6.11
1.33
4.58
0.27
1.06

G.Liquidity Ratios

I.Cash flow ratio
130
First Al-Noor Modaraba

Items
2011
2012
328,213
329,985
210,000
210,000
2.Reserves
96,334
100,977
21,879
19,008
4.Others
(2,073)
(1,326)
23,293
25,638
17,560
17,730
5,733
7,908
349,433
354,297
264,975
264,613
10,284
15,728
254,691
248,885
84,458
89,684
a.Fixed assets
34,944
65,809
20,767
20,021
28,747
3,854
45,015
39,647
19,473
17,186
3.Operating profit
25,542
22,461
3,405
2,168
30,047
19,131
29,892
18,219
21,000
21,000
2.Cash dividend
0.08
0.08
0.00
0.00
53,269
106,311
9.11%
5.52%
9.05%
5.68%
8.55%
5.14%
0.66
45.95%
65.14%
94.33%
17.49%
12.61%
1.42
0.87
15.09
14.92
0.07
0.07
5.94%
5.65%
93.93%
93.14%
15.63
15.71
1.78
5.84
3.03
6.00
E.Other items


G.Liquidity Ratios
I.Cash flow ratio
131
First Elite Capital Modaraba

Items
2011
2012
124,042
127,543
113,400
113,400
10,642
14,143
4.Others
44,098
59,269
2.Reserves
9,358
15,502
34,740
43,767
168,140
186,812
59,789
55,774
16,825
13,630
42,964
42,144
108,351
131,038
a.Fixed assets
96,077
120,619
12,274
10,419

53,703
59,346
15,048
16,829
3.Operating profit
38,655
42,517
979
1,003
8,812
9,023
8,812
9,023
E.Other items
11,340
11,340
2.Cash dividend
0.06
0.06
0.00
0.00
9,187
(3,142)
0.07
7.07%
5.55%
5.27%
5.24%
4.83%

16.41%
0.15
170.77%
186.51%
6.51%
5.96%
0.78
0.80
6.39
3.60
0.26
0.32
0.07
5.58%
73.77%
68.27%
10.94
11.25
1.04
-0.35
0.98
-0.20

G.Liquidity Ratios

I.Cash flow ratio
132
First Equity Modaraba

Items
2011
2012
562,818
563,086
524,400
524,400
75,156
81,834
(36,738)
(43,148)
50,839
40,472
49,232
38,640
1,607
1,832
613,657
603,558
257,776
247,616
57,258
33,785
200,518
213,831
355,881
355,942
2.Reserves
4.Others
a.Fixed assets
18,580
19,132
280,390
280,099
56,911
56,711
17,888
29,668
16,551
17,283
1,337
12,385
989
240
8,905
180
6,678
52,440
52,440
2.Cash dividend
0.00
0.00
0.00
0.00
17,511
(5,204)
0.03%
1.19%
0.04%
1.58%
0.03%
1.11%
1.01%
22.51%
3.Operating profit
E.Other items

91.95
258.81%
0.00
5.72%
0.00
0.13
5.24
6.41
0.08
0.07
45.69%
46.41%
G.Liquidity Ratios

91.72%
93.29%
10.73
10.74
97.28
-0.78
0.36
-0.13

I.Cash flow ratio
133
First Fidelity Leasing Modaraba

Items
2011
2012
335,186
353,142
264,138
264,138
2.Reserves
75,297
89,004
(4,249)
40,043
67,797
30,428
60,205
9,615
7,592
375,229
420,939
136,244
149,923
4.Others
16,490
11,724
119,754
138,199
238,985
271,016
52,549
249,357
a.Fixed assets
106,403
80,033
21,659
71,466
45,368
20,746
17,933
3.Operating profit
50,720
27,435
984
2,018
8,680
18,166
8,680
16,970
26,413
26,413
0.00
0.05

E.Other items
2.Cash dividend
0.00
0.00
(45,926)
(7,849)
2.59%
4.81%
2.52%
5.04%
2.31%
4.03%
12.15%
37.41%
239.01%
105.67%
4.74%
11.25%
0.33
0.64
4.48
2.49
0.11
0.16
28.36%
0.00
89.33%
83.89%
12.69
13.37
-5.29
-0.46
-1.51
-0.13

G.Liquidity Ratios

I.Cash flow ratio
134
First Habib Modaraba

Items
2011
2012
3,059,624
3,126,493
1,008,000
1,008,000
2.Reserves
1,825,693
1,907,997
225,931
210,496
1,015,590
1,439,003
820,814
1,229,924
4.Others
194,776
209,079
4,075,214
4,565,496
1,531,467
1,818,590
111,528
122,394
1,419,939
1,696,196
2,543,747
2,746,906
a.Fixed assets
2,378,559
2,509,192
162,256
234,071
2,932
3,643
346,280
378,915
3.Operating profit
55,711
57,883
290,569
321,032
30,880
39,041
277,922
344,342
277,922
344,342
E.Other items
201,600
201,600
2.Cash dividend
0.22
0.20
0.00
0.00
129,830
24,870
9.08%
11.01%
8.54%
10.32%
6.82%
7.54%
80.26%
90.88%
20.05%
16.81%
55.43%
67.45%
1.38
1.71
1.87
1.48
0.25
0.32
3.98%
5.13%
75.08%
68.48%
15.18
15.51
0.47
0.07
0.16
0.02


G.Liquidity Ratios

I.Cash flow ratio
135
First Imrooz Modaraba

Items
2011
2012
116,951
117,566
30,000
30,000
2.Reserves
60,558
65,478
26,393
22,088
4.Others
199,437
230,442
190,541
217,317
8,896
13,125
316,388
348,008
310,020
341,734
17,555
28,404
292,465
313,330
6,368
6,274
a.Fixed assets
6,034
6,090
334
184
92,555
98,804
29,425
35,347
3.Operating profit
63,130
63,457
5,360
5,441
54,192
55,018
27,573
24,599
3,000
3,000
2.Cash dividend
0.74
0.65
0.00
0.00
5,787
8,917
23.58%
20.92%
43.06%
0.42
8.71%
7.07%
29.79%
0.25
106.72%
143.69%
18.22%
15.39%
9.19
8.20
1.63
1.57
0.63
0.66
0.00
0.00
36.96%
33.78%
38.98
39.19
0.21
0.36
0.03
0.04

E.Other items


G.Liquidity Ratios

I.Cash flow ratio
136
First National Bank Modaraba

Items
2011
2012
337,139
339,776
250,000
250,000
2.Reserves
38,428
43,955
48,711
45,821
1,830,434
1,623,192
1,310,168
1,148,885
520,266
474,307
2,167,573
1,962,968
1,263,771
961,656
4.Others
8,140
17,415
1,255,631
944,241
903,802
1,001,312
a.Fixed assets
727,257
892,906
175,019
104,975
1,526
3,431
473,558
605,821

15,695
20,800
457,863
585,021
3,400
3,071
30,600
27,637
30,600
27,637
25,000
25,000
0.10
0.10
3.Operating profit
E.Other items
2.Cash dividend
0.00
0.00
240,594
772,304
9.08%
8.13%
3.57%
3.39%
1.41%
1.41%
6.46%
4.56%
51.29%
75.26%
21.66%
14.76%
1.22
1.11
0.96
0.84


G.Liquidity Ratios
0.84
0.83
8.07%
5.35%
15.55%
17.31%
13.49
13.59
7.86
27.94
0.18
0.67

I.Cash flow ratio
137
First Pak Modaraba

Items
2011
2012
75,983
72,853
125,400
125,400
20,911
21,288
(70,328)
(73,835)
5,943
5,713
5,478
5,426

2.Reserves
4.Others
465
287
81,926
78,566
79,970
76,537
19,292
9,086
60,678
67,451
1,956
2,029
a.Fixed assets
1,691
621
265
1,408
8,831
8,199
4,777
4,800
3.Operating profit
4,054
3,399
(1,498)
13,483
1,878
13,432
1,886
12,540
12,540
2.Cash dividend
0.04
0.01
0.00
0.00
11,997
(2,015)
17.68%
2.59%
E.Other items


17.64%
2.57%
0.16
0.02
1.52
0.23
35.56%
254.51%
-31.36%
0.00
1.07
0.15
14.60
14.11
0.07
0.07
0.00
0.00
92.75%
92.73%
6.06
5.81
0.89
-1.07
2.19
-0.37

G.Liquidity Ratios

I.Cash flow ratio
138
First Paramount Modaraba

Items
2011
2012
144,006
153,805
58,633
58,633
2.Reserves
50,323
61,407
35,050
33,765
4.Others
101,430
115,362
61,614
42,063
39,816
73,299
245,436
269,167
131,820
164,523
3,585
18,954
128,235
145,569
113,616
104,644
31,584
31,699
a.Fixed assets
0
82,032
72,945
38,914
47,673
18,562
18,308
3.Operating profit
20,352
29,365
1,440
2,933
27,796
23,573
27,796
23,573
5,863
5,863
2.Cash dividend
0.24
0.21
0.00
0.00
(16,004)
36,511
E.Other items

0.19
15.33%
15.12%
10.38%
11.33%
8.76%
71.43%
49.45%
66.78%
77.67%
7.76%
16.02%
4.74
4.02
2.14
3.91
0.41
0.43
0.00
0.00
58.67%
57.14%
24.56
26.23
-0.58
1.55
-0.26
0.87

G.Liquidity Ratios

I.Cash flow ratio
139
First Prudential Modaraba

Items
2011
2012
512,997
519,608
872,177
872,177
2.Reserves
126,899
133,492
(486,079)
(486,061)
4.Others
59,127
71,656
32,278
38,758
26,849
32,898
572,124
591,264
462,482
440,827
24,763
90,368
437,719
350,459
109,642
150,437
66,500
108,094
a.Fixed assets
7,721
6,447
35,421
35,896
87,176
91,329
17,147
14,848
3.Operating profit
70,029
76,481
3,697
1,735
33,270
32,969
33,270
32,969
87,218
87,218
0.03
0.03

E.Other items
2.Cash dividend
0.00
0.00
62,649
74,543
6.49%
6.34%
6.16%
5.97%
5.82%
5.58%
38.16%
0.36
51.54%
45.04%
21.56%
11.69%
0.38
0.38
14.33
11.37


G.Liquidity Ratios
0.10
0.12
1.35%
1.09%
89.67%
87.88%
5.88
5.96
1.88
2.26
1.94
1.92

I.Cash flow ratio
140
First Punjab Modaraba

Items
2011
2012
296,446
142,698
340,200
340,200
2.Reserves
114,199
128,065
(157,953)
(325,567)
2,331,908
1,767,981
2,137,496
1,622,398
4.Others
194,412
145,583
2,628,354
1,910,679
1,344,489
1,099,166
182,411
58,509
1,162,078
1,040,657
1,283,865
811,513
a.Fixed assets
1,198,450
743,457
38,722
21,622
46,693
46,434
853,732
617,354
32,608
33,706
821,124
583,648
(70,182)
(167,613)
(70,182)
(167,613)
34,020
34,020
2.Cash dividend
0.00
0.00
0.00
0.00
90,069
348,219
-23.67%
-117.46%
-0.14
-58.14%
3.Operating profit
E.Other items

-2.67%
-8.77%
-8.22%
-27.15%
-46.46%
-20.11%
0.00
0.00
-2.06
-4.93
0.63
0.68
0.89
0.93
1.47%
1.13%
11.28%
7.47%
G.Liquidity Ratios

8.71
4.19
-1.28
-2.08
0.04
0.21
I.Cash flow ratio
141
First Treet Manufacturing Modaraba

Items
2011
2012
878,189
1,010,846
800,000
800,000
2.Reserves
85,872
179,960
(7,683)
30,886
4.Others
504,000
550,453
150,354
93,342
150,354
457,111
1,428,642
1,665,200
1,075,593
1,313,386
58,762
367,208
1,016,831
946,178
353,049
351,814
a.Fixed assets
341,557
322,813
11,492
29,001
185,672
279,655
60,891
93,749
124,781
185,906


3.Operating profit
123,228
188,177
123,228
188,177
80,000
80,000
2.Cash dividend
6.94%
0.07
0.00
0.00
(264,449)
344,288
14.03%
18.62%
9.23%
12.42%
E.Other items

8.63%
0.11
66.37%
67.29%
49.41%
49.82%
0.00
0.00
1.54
2.35
G.Liquidity Ratios
11.52
8.74
0.39
0.09
0.01
1.74%

61.47%
0.61
10.98
12.64
-2.15
1.83
-2.83
2.29

I.Cash flow ratio
142
First UDL Modaraba

Items
2011
2012
494,865
504,804
263,866
263,866
2.Reserves
183,426
193,330
47,573
47,608
(203)
(115)
165,266
211,241
35,266
44,688
130,000
166,553
659,928
715,930
466,860
354,580
250,848
172,466
216,012
182,114
193,068
361,350
a.Fixed assets
149,875
291,801
42,218
69,475
975
74
146,409
155,209
19,924
24,530
126,485
130,679
4.Others
3.Operating profit
8,160
5,502
73,442
49,518
73,960
49,518
26,386
26,386
0.18
0.15
E.Other items
2.Cash dividend
0.00
0.00
283,764
136,190
14.95%
9.81%
11.76%
7.38%
11.21%
6.92%
50.52%
0.32
26.94%
49.54%
40.96%
22.43%
2.80
1.88
13.24
7.93
0.25
0.30
0.06
0.10
74.99%
70.51%
18.75
19.13
3.84
2.75
8.05
3.05


G.Liquidity Ratios

I.Cash flow ratio
143
IBL Modaraba
Items
2011
2012
230,977
162,642
201,875
201,875
2.Reserves
39,172
39,993
(10,070)
(79,226)
67,831
51,155
58,463
48,451
9,368
2,704
298,808
213,797
4.Others
196,738
118,726
1,976
46
194,762
118,680
102,070
95,071
18,634
10,607
a.Fixed assets
0
83,436
84,464
49,576
8,837
15,158
13,750
3.Operating profit
34,418
(4,913)
(10,190)
(41,536)
(10,190)
(41,536)
20,188
20,188
2.Cash dividend
0.00
0.00
0.00
0.00
61,838
(11,024)
-4.41%
-25.54%
-4.24%
-25.12%
E.Other items

-3.41%
-19.43%
-20.55%
-470.02%
-148.75%
-0.33
0.00
0.00
-0.50
-2.06
3.37
2.45
0.23
0.24
0.00
0.00
0.77
76.07%
11.44
8.06
-6.07
0.27
1.06
-0.23

G.Liquidity Ratios

I.Cash flow ratio
144
KASB Modaraba
Items
2011
2012
307,639
330,222
282,744
282,744
40,555
60,894
(15,660)
(13,416)
2.Reserves
4.Others
806,234
1,306,744
633,387
1,189,718
172,847
117,026
1,113,873
1,636,966
801,245
1,164,792
109,829
66,987
691,416
1,097,805
312,628
472,174
a.Fixed assets
66,769
75,343
18,959
10,495
226,900
386,336
161,081
197,753
34,102
41,513
126,979
156,240

3.Operating profit
4,460
4,520
40,139
40,677
40,139
40,677
E.Other items
28,274
28,274
2.Cash dividend
0.06
0.07
0.00
0.00
(27,481)
(472,580)
13.05%
12.32%
8.35%
9.09%
0.04
2.48%

24.92%
20.57%
84.96%
102.06%
13.08%
10.89%
1.42
1.44
1.27
0.98
0.72
0.80
0.02
0.64%
27.62%
20.17%
10.88
11.68

G.Liquidity Ratios

I.Cash flow ratio

-0.68
-11.62
-0.04
-0.40
145
Modaraba Al-Mali
Items
2011
2012
178,889
176,201
184,239
184,239
55,964
55,964
(61,314)
(64,002)
34,163
50,926
28,061
32,685
6,102
18,241
213,052
227,127
71,328
77,221
3,237
9,000
68,091
68,221
141,724
149,906
a.Fixed assets
132,728
123,443
6,000
8,996
20,463
85,484
105,760
79,468
102,447
6,016
3,313
(20,015)
(2,430)
(20,155)
(2,689)
18,424
18,424
2.Cash dividend
0.00
0.00
0.00
0.00
20,887
24,207
-11.27%
-1.53%
-10.82%
-1.25%
-9.46%
-1.18%
2.Reserves
4.Others
3.Operating profit
E.Other items


-23.58%
-2.54%
-394.28%
-3809.85%
0.00
0.00
-1.09
-0.15
2.54
2.36
0.16
0.22
0.00
2.64%
83.96%
77.58%
9.71
9.56
-1.04
-9.00
0.74
0.74
G.Liquidity Ratios

I.Cash flow ratio
146
Standard Chartered Modaraba

Items
2011
2012
938,070
960,694
453,835
453,835
2.Reserves
405,611
425,793
78,624
81,066
3,223,039
5,170,931
2,844,695
4,480,681
378,344
690,250
4,161,109
6,131,625
774,051
740,526
4.Others
22,378
10,315
751,673
730,211
3,387,058
5,391,099
a.Fixed assets
2,968,010
4,336,366
418,446
1,054,417
602
316
1,121,884
1,679,681
3.Operating profit
53,315
67,322
1,068,569
1,612,359
9,819
11,441
86,607
100,911
86,607
100,911
45,383
45,383
17.25%
0.18
0.00
0.00
(638,235)
(1,587,546)
9.23%
0.11
6.58%
6.11%
2.08%
1.65%
7.72%
6.01%
61.56%
66.71%
18.42%
16.99%
1.91
2.22
0.27
0.17
0.77
0.84
10.06%
0.17
22.54%
15.67%
20.67
21.17
-7.37
-15.73
-0.22
-0.35
E.Other items
2.Cash dividend

G.Liquidity Ratios

I.Cash flow ratio
147
Trust Modaraba
Items
2011
2012
283,389
280,647
298,000
298,000
60,361
61,161
(74,972)
(78,514)
93,825
119,899
27,052
58,533
2.Reserves
4.Others
66,773
61,366
377,214
400,546
191,959
206,117
16,777
24,539
175,182
181,578
185,255
194,429
a.Fixed assets
166,923
176,760
11,523
9,982
6,809
7,687
73,690
87,103
13,703
19,198
3.Operating profit
59,987
67,905
2,335
1,346
21,019
12,110
21,019
12,110
E.Other items
29,800
29,800
2.Cash dividend
0.05
0.00
0.00
0.00
56,182
72,553
7.42%
4.32%
0.06
3.54%
5.57%
3.02%

28.52%
0.14
65.19%
158.53%
17.04%
7.01%
0.71
0.41
7.10
3.52
0.25
0.30
3.05%
2.49%
75.13%
70.07%
9.51
9.42
2.67
5.99
2.08
1.24

G.Liquidity Ratios

I.Cash flow ratio
148
Exchange Companies - Overall

Items
2011
2012
6,201,867
6,669,839
1.Share capital
5,485,544
5,916,044
2.Reserves
65,000
162,775
651,323
591,020
27,555
45,221
1,355,137
1,329,333
1,084,704
1,154,975
270,433
174,358
7,584,559
8,044,393
5,564,756
6,041,907
3,834,681
4,114,910
b.Other assets
1,730,075
1,926,997
2,019,803
2,002,486
a.Fixed assets
677,553
561,542
b.Other assets
1,342,250
1,440,944
1.Revenue
1,963,110
2,596,859
1,711,264
2,162,552
266,193
434,308
152,745
244,520
273,555
286,005

4.Others
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
345,777
22,462
2.46%
3.67%
0.04
0.06
2.01%
3.04%
6.43
4.98
0.56
0.85
50.56%
51.15%
5.13
5.23
17.87%
16.52%
81.77%
82.91%
22.67
23.32
2.26
0.09
0.32
0.02

G.Liquidity ratios
I.Cash flow ratios
151
AA Exchange Co. (Pvt) Ltd.

Items
2011
2012
219,742
225,706
1.Share capital
200,000
200,000
19,742
25,706
2.Reserves
4.Others
151,143
225,334
146,762
219,896
4,381
5,438
370,885
451,040
276,113
352,724
206,215
197,817
b.Other assets
69,898
154,907
94,772
98,316
a.Fixed assets
31,881
33,695
b.Other assets
62,891
64,621

1.Revenue
111,056
152,967
96,843
143,218
11,902
9,749
8,123
5,964
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
39,335
(539)
0.04
2.64%
5.31%
4.22%

E.Other items

2.19%
1.32%
8.14
14.69
0.41
0.30
0.56
43.86%
1.88
1.60
40.75%
49.96%
59.25%
50.04%
10.99
11.29
G.Liquidity ratios

I.Cash flow ratios
4.84
-0.09
0.27
0.00
152
Al-Hameed Int. Money Ex (Pvt) Ltd.

Items
2011
2012
199,626
204,769
1.Share capital
200,000
200,000
2.Reserves
(374)
4,769
4.Others
4,137
3,930
19,969
30,556
18,514
25,458
1,455
5,098
223,732
239,255
64,846
161,908
9,055
111,889
55,791
50,019
158,886
77,347
a.Fixed assets
108,886
32,212
b.Other assets
50,000
45,135
7,556
11,225
10,206
12,752
(5,084)
(1,527)
(177)
(5,263)
200
200
2.Cash dividend
0.00
0.00
0.00
0.00
1,746
13,725
-0.09%
-2.57%
-2.48%
-0.71%
-0.08%
-0.02
-2.01
-8.35
-0.89
-26.32
4.05%
46.77%
b.Other assets

1.Revenue

E.Other items

G.Liquidity ratios
3.50
6.36
8.93%
12.77%
89.23%
85.59%
998.13
1,023.85
-9.86
-2.61
0.09
0.54

I.Cash flow ratios
153
Al-Rahim Exchange Co. (Pvt) Ltd.

Items
2011
2012
205,015
204,574
1.Share capital
205,410
205,410
(395)
(836)
2.Reserves
4.Others
276
677
276
677
205,291
205,251
145,122
146,111
141,403
141,695
3,719
4,416
b.Other assets
60,169
59,140
a.Fixed assets
7,132
6,317
b.Other assets
53,037
52,823
1.Revenue
4,477
10,947
8,616
11,017
2,481
(70)
3,783
(441)
2,054
2,054
2.Cash dividend
0.00
0.00
0.00
0.00
2,898
788
1.85%
-0.22%
E.Other items

1.21%
-0.03%
1.84%
-0.21%
3.47
-157.39
1.84
-0.21
68.88%
69.03%
525.80
215.82
0.13%
0.33%
99.87%
99.67%
99.81
99.60
0.77
-1.79
10.50
1.16
G.Liquidity ratios

I.Cash flow ratios
154
Al-Sahara Exchange Co. (Pvt) Ltd.

Items
2011
2012
195,581
211,852
1.Share capital
200,000
200,000
2.Reserves
(4,419)
11,852
41,601
38,161
41,601
38,161
237,182
250,013
181,454
195,763
175,204
184,826
6,250
10,937
55,728
54,250
a.Fixed assets
5,180
4,214
b.Other assets
50,548
50,036
1.Revenue
2,594
61,818
5,548
48,951
3,455
12,867
2,245
16,271

4.Others
b.Other assets
E.Other items

2.Cash dividend
20,000
20,000
0.00
0.00
0.00
0.00
11,478
2,833
1.15%
7.68%
1.77%
6.07%
0.95%
6.51%
1.61
3.80
0.11
0.81
73.87%
73.93%
4.36
5.13
17.54%
15.26%
82.46%
84.74%
9.78
10.59
5.11
0.17
0.28
0.07

G.Liquidity ratios
I.Cash flow ratios
155
D. D Exchange Co. (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others
2011
2012
94,580
105,268
100,000
105,500
(5,420)
(232)
574
2,464
574
2,464
95,154
107,732
64,947
72,926
64,457
72,068
490
858
b.Other assets
30,207
34,806
a.Fixed assets
4,535
6,124
b.Other assets
25,672
28,682

1.Revenue
1,681
19,354
5,798
15,928
(4,582)
3,426
(4,599)
5,188
E.Other items
10,000
10,550
2.Cash dividend
0.00
0.00
0.00
0.00
(4,893)
5,715
-4.86%
4.93%
-4.84%
3.25%
-4.83%
4.82%
-1.27
4.65
-0.46
0.49
67.74%
0.67

G.Liquidity ratios
113.15
29.60
0.01
2.29%
0.99
97.71%
9.46
9.98
1.06
1.10
-8.52
2.32

I.Cash flow ratios
156
Dollar East Exchange Co. (Pvt) Ltd.

Items
2011
2012
297,658
400,019
1.Share capital
300,000
400,000
2.Reserves
(2,342)
19
(1,780)
20,385
(3,967)
18,398
2,187
1,987
295,878
420,404

4.Others
156,186
255,607
61,663
68,577
b.Other assets
94,523
187,030
139,692
164,797
a.Fixed assets
50,402
52,270
b.Other assets
89,290
112,527
1.Revenue
143,169
198,269
138,444
171,966
15,105
26,302
13,674
2,361
3,000
4,000
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
42,723
(56,916)
4.59%
0.59%
5.04%
6.54%
4.62%
0.56%
9.17
6.54
4.56
0.59
20.84%
16.31%
-39.37
13.89
-0.01
4.85%
1.01
95.15%
99.22
100.00
3.12
-24.11
-10.77
-3.09

G.Liquidity ratios
I.Cash flow ratios
157
Fairdeal Exchange Co. (Pvt) Ltd.

Items
2011
2012
196,669
181,511
1.Share capital
200,000
200,000
2.Reserves
(3,331)
(18,489)
4,467
5,365
1,467
1,365
3,000
4,000
201,136
186,876
134,683
121,554
67,965
83,178
b.Other assets
66,718
38,376
66,453
65,322
a.Fixed assets
14,457
12,549
b.Other assets
51,996
52,773
17,258
11,701
4.Others

1.Revenue
25,525
24,144
(10,059)
(12,442)
(10,264)
(15,158)
E.Other items
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
(85,084)
16,193
-5.22%
-8.35%
-5.04%
-6.71%
-0.05
-8.11%
-2.54
-1.94
-0.51
-0.76
33.79%
44.51%

G.Liquidity ratios
91.81
89.05
2.22%
2.87%
97.78%
97.13%
9.83
9.08
8.29
-1.07
-58.00
11.86

I.Cash flow ratios
158
Glaxy Exchange Co. (Pvt) Ltd.

Items
2011
2012
210,811
222,090
1.Share capital
210,000
210,000
811
12,090
813
7,787
813
7,787
2.Reserves
4.Others
211,624
229,877
106,807
173,898
101,810
156,230
b.Other assets
4,997
17,668
104,817
55,979
a.Fixed assets
52,217
3,379
b.Other assets
52,600
52,600
1.Revenue
44,163
62,772
42,166
44,394
1,997
18,378
1,532
16,274
21,000
21,000
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
2,746
(11,993)
0.73%
7.33%
0.95%
8.28%
0.72%
7.08%
21.11
2.42
0.07
0.77
48.11%
67.96%
131.37
22.33
0.38%
3.39%
99.62%
96.61%
10.04
10.58
1.79
-0.74
3.38
-1.54


G.Liquidity ratios

I.Cash flow ratios
159
H & H Exchange Co. (Pvt) Ltd.

Items
2011
2012
386,019
436,017
1.Share capital
300,000
400,000
2.Reserves
65,000
10,900
21,019
25,117
17,124
59,913
16,048
52,652
1,076
7,261
403,143
495,930
309,252
377,472
292,911
338,515
b.Other assets
16,341
38,957
93,891
118,458
a.Fixed assets
12,425
12,878
b.Other assets
81,466
105,580
101,574
113,977
55,800
73,945
33,145
40,032
20,382
24,999
4.Others

1.Revenue
E.Other items
300
400
2.Cash dividend
0.00
0.00
0.00
0.00
(26,630)
41,553
5.28%
5.73%
8.56%
9.03%
5.06%
5.04%


1.68
1.85
67.94
62.50
72.66%
68.26%
G.Liquidity ratios
19.27
7.17
4.25%
12.08%
95.75%
87.92%
1,286.73
1,090.04
-1.31
1.66
-1.66
0.79

I.Cash flow ratios
160
HBL Currency Exchange (Pvt) Ltd.

Items
2011
2012
535,043
559,779
1.Share capital
400,000
400,000
135,043
159,779
10,728
7,915
9,588
7,735
2.Reserves
4.Others
1,140
180
545,771
567,694
425,978
451,583
364,116
385,617
b.Other assets
61,862
65,966
119,793
116,111
a.Fixed assets
14,151
11,451
b.Other assets
105,642
104,660
131,400
112,886
65,781
74,672
65,618
38,214
41,621
24,735
40,000
40,000
0.00
0.00

1.Revenue
E.Other items
2.Cash dividend
0.00
0.00
59,817
23,951
7.78%
4.42%
12.24%
6.82%
7.63%
4.36%
1.00
1.95

1.04
0.62
66.72%
67.93%
44.43
58.38
1.97%
1.39%
98.03%
98.61%
13.38
13.99
1.44
0.97
6.24
3.10
G.Liquidity ratios
I.Cash flow ratios
161
Habib Qatar International Exchange Pakistan (Pvt) Ltd.

Items
2011
2012
376,192
364,860
1.Share capital
200,000
200,000
176,192
164,860
66,654
83,205
59,657
74,710
6,997
8,495
442,846
448,065
362,070
367,281
201,968
197,337
b.Other assets
160,102
169,944
80,776
80,784
a.Fixed assets
30,037
29,371
b.Other assets
50,739
51,413
1.Revenue
173,700
220,240
2.Reserves
4.Others
128,095
171,115
47,087
49,125
24,844
10,669
E.Other items
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
60,330
20,321

0.07
2.92%
12.29%
13.16%
5.61%
2.38%
2.72
3.48
1.24
0.53
45.61%
44.04%
6.07
4.92
15.05%
18.57%
84.95%
81.43%
18.81
18.24
2.43
1.90
1.01
0.27
2015

G.Liquidity ratios
I.Cash flow ratios
162
Link International Exchange Co. (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others
(Thousand Rupees)
2013
2014
72,964
144,460
100,000
210,000
0(27,036)
(65,540)
10,000 -
1,933
7,491
1,933
2,521
4,970
84,897
151,951
34,534
79,275
10,484
65,294
b.Other assets
24,050
13,981
50,363
72,676
a.Fixed assets
6,783
8,506
b.Other assets
43,580
64,170
3,744
10,966
30,761
49,423

1.Revenue
(27,017)
(38,457)
(27,036)
(38,504)
10,000
21,000
E.Other items
2.Cash dividend
0.00 -
0.00 -
(45,541)
(39,007)
-37.05%
-26.65%
-32.56%
-25.74%
-31.85%
-25.34%
-1.14
-1.29
-2.70
-1.83
12.35%
42.97%
17.87
31.45
2.28%
4.93%
85.94%
95.07%
7.30
6.88
1.68
1.01
-23.56
-15.47
G.Liquidity ratios
I.Cash flow ratios
163
Money Link Exchange Co. (Pvt) Ltd.

Items
2011
2012
215,292
336,076
1.Share capital
200,000
300,000
15,292
36,076
2.Reserves
4.Others
64,009
1,252
64,009
1,252
279,301
337,328
220,281
249,236
194,376
220,301
25,905
28,935
b.Other assets
59,020
88,092
a.Fixed assets
7,802
12,244
b.Other assets
51,218
75,848
1.Revenue
39,974
65,063
45,855
44,192
803
20,871
803
20,871
200
300
2.Cash dividend
0.00
0.00
0.00
0.00
40,661
(44,432)
0.37%
6.21%
0.37%
6.21%
0.29%
6.19%
57.10
2.12
4.02
69.57
69.59%
65.31%
3.44
199.07
22.92%
0.37%
77.08%
99.63%
1,076.46
1,120.25
50.64
-2.13
0.64
-35.49
E.Other items


G.Liquidity ratios
I.Cash flow ratios
164
NBP Exchange Co. Ltd.

Items
2011
2012
555,244
594,176
1.Share capital
300,000
405,000
151,875
255,244
37,301
22,218
40,091
229,327
152,337
2.Reserves
4.Others
109,200
114,094
120,127
38,243
806,789
786,604
794,898
771,885
62,407
166,553
732,491
605,332
11,891
14,719
a.Fixed assets
10,552
12,674
b.Other assets
1,339
2,045
b.Other assets

1.Revenue
126,533
148,003
53,650
83,056
43,703
64,947
20,648
38,932
30,000
40,500
2.Cash dividend
0.00
0.00
0.00
0.00
14,104
38,619
3.72%
6.55%
6.26%
9.66%
E.Other items

2.56%
4.95%
1.23
1.28
0.69
0.96
7.74%
21.17%
7.28
6.77
28.42%
19.37%
68.82%
75.54%
18.51
14.67
0.68
0.99
0.13
0.34
G.Liquidity ratios
I.Cash flow ratios
165
Noble Exchange International (Pvt) Ltd.

Items
2011
2012
180,614
185,970
1.Share capital
200,000
200,000
2.Reserves
(19,386)
(14,030)
4.Others
1,200
1,200
1,435
3,308
1,435
3,308
183,249
190,478
120,820
127,822
109,905
100,397
b.Other assets
10,915
27,425
62,429
62,656
a.Fixed assets
11,525
11,196
b.Other assets
50,904
51,460
6,484
25,383
19,548
20,052
(9,137)
5,331
(9,209)
5,356
2,000
2,000
2.Cash dividend
0.00
0.00
0.00
0.00
(17,108)
(16,092)

1.Revenue
E.Other items

-0.05
2.88%
-5.03%
2.85%
-5.03%
2.81%
-2.14
3.76
-4.60
2.68
59.98%
52.71%
84.20
38.64
0.78%
1.74%
98.56%
97.63%
90.31
92.99
1.86
-3.00
-11.92
-4.86
G.Liquidity ratios
I.Cash flow ratios
166
P B S Exchange (Pvt) Ltd.

Items
2011
2012
205,743
208,581
1.Share capital
250,000
250,000
(44,257)
(41,419)
2.Reserves
4.Others
36,957
3,312
3,630
2,480
33,327
832
242,700
211,893
115,773
72,605
77,890
34,793
b.Other assets
37,883
37,812

126,927
139,288
a.Fixed assets
67,279
65,653
b.Other assets
59,648
73,635
1.Revenue
75,339
84,468
72,570
79,745
8,214
4,723
7,406
2,837
2,500
2,500
2.Cash dividend
0.00
0.00
0.00
0.00
4,910
0.04
1.36%
3.44%
2.26%
E.Other items

3.05%
1.34%
8.83
16.88
2.96
1.13
32.09%
16.42%
31.89
29.28
15.23%
1.56%
84.77%
98.44%
82.30
83.43
G.Liquidity ratios
I.Cash flow ratios
0.00
1.73
0.00
1.98
167
Pakistan Currency Exchange Co. (Pvt) Ltd.

Items
2011
2012
413,441
428,564
1.Share capital
400,000
400,000
2.Reserves
13,441
28,564
273,121
278,107
237,727
244,998
35,394
33,109
686,562
706,671
556,912
545,519
459,776
380,689
97,136
164,830
129,650
161,152
a.Fixed assets
46,550
53,650
b.Other assets
83,100
107,502
1.Revenue
430,936
577,527
436,796
557,770

4.Others
b.Other assets
1,413
19,757
(7,529)
13,883
4,000
4,000
2.Cash dividend
0.00
0.00
0.00
0.00
75,877
(38,242)
-1.82%
3.24%
0.31%
4.28%
-0.01
1.96%
309.13
28.23
-1.88
3.47
66.97%
53.87%

E.Other items

G.Liquidity ratios
2.34
2.23
39.78%
39.35%
60.22%
60.65%
103.36
107.14
-10.08
-2.75
0.32
-0.16

I.Cash flow ratios
168
Paracha International Exchange (Pvt) Ltd.

Items
2011
2012
197,992
226,747
1.Share capital
200,000
200,000
(2,008)
26,747
2.Reserves
4.Others
91,615
64,339
49,251
16,119
42,364
48,220
289,607
291,086
168,440
180,010
130,454
112,660
37,986
67,350
b.Other assets
121,167
111,076
a.Fixed assets
61,435
55,563
b.Other assets
59,732
55,513
1.Revenue
31,454
85,255
33,807
45,017
(2,352)
40,239
694
28,755
20,000
20,000
2.Cash dividend
0.00
0.00
0.00
0.00
28,793
(19,497)
0.35%
12.68%

E.Other items

-0.98%
14.63%
0.24%
9.88%
-14.37
1.12
0.03
1.44
45.05%
0.39

G.Liquidity ratios
3.42
11.17
31.63%
0.22
68.37%
0.78
9.90
11.34
41.49
-0.68
0.58
-1.21

I.Cash flow ratios
169
Paragon Exchange (Pvt) Ltd.

Items
1.Share capital
2.Reserves
2011
2012
92,707
84,354
100,000
100,000
(7,293)
(15,646)
1,111
1,559
1,111
1,098
461
93,818
85,913
55,884
51,789
54,897
50,425
987
1,364
37,934
34,124
a.Fixed assets
7,760
7,047
b.Other assets
30,174
27,077
47
15,444
11,237
19,289
(11,190)
(3,845)
(7,293)
(8,353)

4.Others
b.Other assets

1.Revenue
E.Other items
100
100
2.Cash dividend
0.00
0.00

0.00
0.00
(10,776)
(2,565)
-7.87%
-0.10
-12.07%
-4.53%
-7.77%
-9.72%
-1.00
-5.02
-72.93
-83.53
58.51%
58.69%
50.30
47.17
1.18%
1.81%
98.82%
98.19%
927.07
843.54

G.Liquidity ratios
I.Cash flow ratios
1.48
0.31
-9.70
-2.34
170
Ravi Exchange Co. (Pvt) Ltd.

Items
2011
2012
435,700
447,734
1.Share capital
400,000
400,000
35,700
47,734
2.Reserves
4.Others
34,199
91,906
21,540
79,165
12,659
12,741
469,899
539,640
273,496
359,020
216,850
256,495
56,646
102,525
b.Other assets
196,403
180,620
a.Fixed assets
79,925
79,020
b.Other assets
116,478
101,600

1.Revenue
120,631
167,414
114,723
149,490
14,549
17,924
11,179
12,034
E.Other items
4,000
4,000
2.Cash dividend
0.00
0.00
0.00
0.00
29,703
43,676
2.57%
2.69%
3.24%
3.89%
2.38%
2.23%
7.89
8.34
2.79
3.01
46.15%
47.53%

G.Liquidity ratios
12.70
4.54
7.28%
17.03%
92.72%
82.97%
108.93
111.93
2.66
3.63
1.38
0.55

I.Cash flow ratios
171
Riaz Exchange Co. (Pvt) Ltd.

Items
2011
2012
208,955
207,906
1.Share capital
200,000
200,000
2.Reserves
8,955
7,906
582
763
464
763
118
209,537
208,669

4.Others
155,287
155,428
151,779
152,748
b.Other assets
3,508
2,680
54,250
53,241
a.Fixed assets
3,947
2,841
b.Other assets
50,303
50,400
1.Revenue
16,148
25,749
11,597
11,814
10,795
13,935
6,924
8,951
20,000
20,000
0.00
0.00

E.Other items
2.Cash dividend
0.00
0.00
4,005
4,276
3.31%
4.31%

5.16%
0.07
0.03
4.29%
1.07
0.85
0.35
0.45
72.44%
0.73
334.67
203.71
0.28%
0.37%
99.72%
99.63%
10.45
10.40
0.58
0.48
8.63
5.60
G.Liquidity ratios

I.Cash flow ratios
172
Royal International Exchange Co. (Pvt) Ltd.

Items
2011
2012
269,262
281,003
1.Share capital
300,000
300,000
2.Reserves

4.Others
(30,738)
(18,997)
11,923
17,772
5,715
9,479
6,208
8,293
281,185
298,775
198,728
211,514
181,871
188,021
b.Other assets
16,857
23,493
82,457
87,261
a.Fixed assets
6,928
8,422
b.Other assets
75,529
78,839
1.Revenue
73,425
75,315
66,581
61,419
6,845
13,896
4,367
11,742
E.Other items
3,000
3,000
2.Cash dividend
0.00
0.00
0.00
0.00
2,702
10,428
1.62%
4.18%
2.48%
0.05
1.55%
3.93%
9.73
4.42
1.46
3.91
64.68%
62.93%

G.Liquidity ratios
34.77
22.31
4.24%
5.95%
95.76%
94.05%
89.75
93.67
0.62
0.89
0.47
1.10

I.Cash flow ratios
173
2015
Sadiq Exchange Co. (Pvt) Ltd.

Items
(Thousand Rupees)
2013
2014
97,885
98,166
100,000
100,000
(2,115)
(1,834)
2,500
300
3,283
300
3,283

1.Share capital
2.Reserves
4.Others
98,185
103,949
38,866
39,818
38,813
38,655
b.Other assets
53
1,163
59,319
64,131
a.Fixed assets
31,268
33,013
b.Other assets
28,051
31,118
446
15,746
2,556
15,304
(2,110)
442
(2,115)
281
1,000
1,000

1.Revenue
E.Other items
2.Cash dividend
0.00 0.00 (1,206)
4,019
-2.16%
0.29%
-2.16%
0.44%
-2.15%
0.27%
-1.21
34.62
-2.12
0.28
39.53%
37.19%
129.55
12.13
0.31%
3.16%
99.69%
94.44%
97.89
98.17
0.57
14.30
-4.02
1.22
G.Liquidity ratios

I.Cash flow ratios
174
Sky Exchange Co. (Pvt) Ltd.

Items
2011
2012
119,896
142,440
1.Share capital
120,134
140,134
(238)
2,306
150
1,792
150
1,792
120,046
144,232
85,790
104,290
83,258
100,620
2,532
3,670
34,256
39,942
2.Reserves
4.Others
b.Other assets
a.Fixed assets
2,357
2,930
b.Other assets
31,899
37,012
8,883
27,536
10,930
23,548
(2,047)
3,988
(2,091)
2,544

1.Revenue
E.Other items
1,201
1,401
2.Cash dividend
0.00
0.00
0.00
0.00
(4,114)
3,706
-1.74%
1.79%
-1.71%
0.03
-1.74%
1.76%
-5.34
5.90
-1.74
1.82
69.36%
69.76%

G.Liquidity ratios
571.93
58.20
0.12%
1.24%
99.88%
98.76%
99.80
101.67
1.97
1.46
-27.43
2.07

I.Cash flow ratios
175
Wall Street Exchange Co. (Pvt) Ltd.

Items
2011
2012
272,443
291,507
1.Share capital
200,000
200,000
72,443
91,507
295,326
229,014
295,326
229,014
2.Reserves
4.Others
567,769
520,521
470,090
415,994
423,515
387,699
b.Other assets
46,575
28,295
97,679
104,527
a.Fixed assets
39,634
45,364
b.Other assets
58,045
59,163
1.Revenue
285,148
315,216
247,587
270,630
37,614
44,586
21,949
19,064
20,000
20,000
0.00
0.00
E.Other items
2.Cash dividend
0.00
0.00
75,947
(20,042)
8.06%
6.54%

13.81%
0.15
3.87%
3.66%
6.58
6.07
1.10
0.95
74.59%
74.48%
1.59
1.82
52.02%
0.44
G.Liquidity ratios
47.98%
0.56
13.62
14.58
3.46
-1.05
0.26
-0.09

I.Cash flow ratios
176
2015
ZeeQue Exchange Co. (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others
(Thousand Rupees)
2013
2014
98,021
91,030
100,000
100,000
(1,979)
(8,970)
0-
324
6,589
324
6,589
98,345
97,619
59,396
55,959
32,848
55,140
b.Other assets
26,548
819
38,949
41,660
a.Fixed assets
2,742
5,422
b.Other assets
36,207
36,238
591
21,654

1.Revenue
2,567
28,428
(1,976)
(6,774)
(1,979)
(6,990)
10,000
10,000
E.Other items
2.Cash dividend
0.00 -
0.00 -
(28,229)
(469)
-2.02%
-7.68%
-2.02%
-7.44%
-2.01%
-7.16%
-1.30
-4.20
-0.20
-0.70
0.33
56.48%
183.32
8.49
0.33%
6.75%
99.67%
93.25%
9.80
9.10
14.26
0.07
-87.13
-0.07
G.Liquidity ratios

I.Cash flow ratios
177
Insurance Companies - Overall

Items
2011
2012
88,793,958
95,188,989
1.Share capital
27,621,324
28,840,979
2.Reserves
36,852,484
37,512,218
24,320,150
28,835,792
4.Others
1,156,630
2,319,262
414,644,252
502,102,701
313,578,748
381,705,318
77,035,044
89,015,719

5.Fixed assets
24,030,460
31,381,664
504,594,840
599,610,952
50,484,855
56,635,595
752,194
27,674,553
347,132,038
418,233,916
98,914,561
88,137,693
7,311,192
8,929,195

1.Investment income
2.Gross premium
3.Net premium
38,217,452
10,978,729
129,109,199
154,887,569
98,373,350
118,760,598
4.Gross claims
54,398,706
73,186,398
5.Net claims
42,550,808
49,155,594
28,470,696
40,212,278
10,849,925
16,018,848
8,038,880
12,630,040

E.Other items
2,733,460
2,859,932
2.Cash dividend
N/A
N/A
N/A
N/A
19,661,576
31,399,908
9.05%
13.27%
1.59%
2.11%
2.94
4.42

43.25%
41.39%
354.16%
318.39%
38.85%
9.24%
G.Liquidity ratios
10.01%
9.45%
68.79%
69.75%
0.18
15.88%
32.48
33.28
244.58%
248.61%

I.Cash flow ratio
1.Cash generated from operating activities to profit after tax. (E4/D8)
182
Life Insurance Corporations - Overall

Items
2011
2012
6,242,151
7,672,908
1.Share capital
4,612,239
4,812,738
2.Reserves
(470,670)
(199,124)
2,100,582
3,059,294
24,000
339,861,092
416,169,932
311,973,057
378,099,716
17,263,420
21,873,931
10,624,615
16,196,285
346,103,243
423,866,840
4.Others

5.Fixed assets
34,318,104
37,883,967
594,433
27,517,745
266,227,453
330,191,591
43,920,914
26,912,074
1,042,339
1,361,463

1.Investment income
31,003,963
781,603
2.Gross premium
67,745,199
87,558,963
3.Net premium
66,253,831
85,942,529
4.Gross claims
25,579,370
32,364,735
5.Net claims
24,513,450
31,095,125
23,762,261
35,580,527
2,471,047
3,615,765
1,619,539
2,421,877
362,224
382,274
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
17,849,089
26,455,063
25.95%
31.56%
0.47%
0.57%
4.47
6.34
0.37
36.18%
1467.22%
1469.13%
0.47
0.91%
9.92%
8.94%
76.92%
0.78

G.Liquidity ratios
0.02
1.81%
17.23
20.07
1102.11%
1092.34%
I.Cash flow ratio

183
Adamjee Life Assurance Co. Ltd.

Items
2011
2012
172,775
240,545
1.Share capital
534,663
735,162
(396,718)
(537,749)
34,830
43,132
710,816
2,258,599
509,586
2,017,689
2.Reserves
4.Others
88,699
73,147
112,531
167,763
883,591
2,499,144
127,414
225,548
609,667
2,129,482
113,631
119,848
32,879
24,266
32,061
22,936
2.Gross premium
912,667
2,297,193
3.Net premium
791,950
2,190,441
4.Gross claims
105,334
263,791
29,720
154,990
444,354
1,449,721
21,777
9,022
18,472
8,303
53,466
73,516
0.00
0.00
5.Fixed assets
1.Investment income
5.Net claims
E.Other items
2.Cash dividend
0.00
0.00
276,414
1,228,921
10.69%
3.45%
2.09%
0.33%
0.35
0.11
3.75%
7.08%
2405.55%
17460.21%
4.05%
1.05%
14.42%
9.03%
0.69
85.21%
19.55%
9.63%
3.23
3.27
1496.39%
14800.93%


G.Liquidity ratios
I.Cash flow ratio
184
Asia Care Health & Life Insurance Co. Ltd.

Items
2011
2012
427,049
312,749
1.Share capital
500,000
500,000
2.Reserves
(72,951)
(187,251)
179,012
386,512

4.Others
118,132
283,179
45,936
80,958
14,944
22,375
606,061
699,261
93,478
42,196
414,724
475,222
93,751
172,708
4,108
9,135
34,168
75,216
212,620
669,906
3.Net premium
211,232
668,518
4.Gross claims
178,482
593,522
5.Net claims
178,482
593,522
21,705
21,375
23,322
58,949
20,221
59,850
50,000
50,000
2.Cash dividend
0.00
0.00
0.00
0.00
(60,080)
(89,343)
4.74%
19.14%
3.34%
8.56%
0.40
1.20
0.85
88.78%
107.34%
35.71%
16.18%
11.25%

5.Fixed assets
1.Investment income
2.Gross premium
E.Other items

G.Liquidity ratios
15.42%
6.03%
68.43%
67.96%
70.46%
44.73%
8.54
6.25
-297.12%
-149.28%

I.Cash flow ratio
185
East West Life Assurance Co. Ltd.

Items
2011
2012
124,125
88,555
1.Share capital
500,456
500,456
(376,331)
(411,901)
24,000
294,178
301,315
238,382
238,392
38,870
52,365
16,926
10,558
418,303
413,870
154,862
136,060
8,825
8,589
186,588
202,035
31,089
34,681
5.Fixed assets
36,939
32,505
11,837
11,708
2.Gross premium
246,773
235,366
3.Net premium
178,687
181,272
4.Gross claims
180,387
220,256
5.Net claims
124,525
162,133
2.Reserves
4.Others


1.Investment income
50,412
7,840
(6,364)
(4,613)
(8,583)
(7,415)
E.Other items
50,046
50,046
2.Cash dividend
0.00
0.00
0.00
0.00
(22,063)
(54,726)
-6.91%
-8.37%
-2.05%
-1.79%
-0.17
-0.15
69.69%
89.44%
-587.35%
-105.73%
6.62%
6.46%
37.02%
32.88%
44.61%
48.82%
29.67%
0.21
2.48
1.77
257.05%
738.04%

G.Liquidity ratios

I.Cash flow ratio
186
EFU Life Assurance Co. Ltd.

Items
2011
2012
1,732,640
2,094,258
1.Share capital
850,000
850,000
2.Reserves
232,500
232,500
650,140
1,011,758
4.Others
26,297,424
35,800,049
24,414,209
33,743,933
1,140,899
1,294,174

5.Fixed assets
742,316
761,942
28,030,064
37,894,307
1,141,457
1,723,572
56,490
60,585
25,133,535
34,728,349
1,248,172
774,696
450,410
607,105

1.Investment income
2.Gross premium
3.Net premium
29,792
277,797
10,129,599
11,873,842
9,597,263
11,301,615
4.Gross claims
2,724,390
3,038,639
5.Net claims
2,360,779
2,625,301
5,406,307
6,810,486
880,815
1,392,468
578,365
914,118
E.Other items
85,000
85,000
2.Cash dividend
0.50
0.55
0.00
17.65%
3,938,800
5,045,710
33.38%
43.65%
2.06%
2.41%
6.80
10.75


0.25
23.23%
934.76%
745.03%
0.31%
2.46%
G.Liquidity ratios
4.07%
4.55%
89.67%
91.65%
6.18%
5.53%
20.38
24.64
681.02%
551.98%

I.Cash flow ratio
187
IGI Life Insurance Ltd.

Items
2011
2012
734,941
826,798
1.Share capital
500,000
500,000
(306,452)
(340,952)
541,393
667,750
5,935,512
8,787,784
5,269,066
8,208,597
459,875
281,703
206,571
297,484
6,670,453
9,614,582
2.Reserves
4.Others

5.Fixed assets
125,057
452,268
90,096
99,963
5,833,574
8,536,478
561,509
464,910
60,217
60,963

1.Investment income
55,286
70,489
2.Gross premium
2,993,466
4,170,408
3.Net premium
2,905,583
4,081,149
4.Gross claims
758,431
1,255,839
5.Net claims
629,515
1,239,915
1,964,804
2,466,639
183,560
196,429
116,248
126,357
50,000
50,000
2.Cash dividend
0.00
0.00
0.00
0.00
1,596,738
2,095,960
15.82%
15.28%
1.74%
1.31%
E.Other items


2.32
2.53
21.67%
30.38%
1690.18%
1952.12%
0.02
1.73%
1.87%
0.05
87.45%
88.79%
G.Liquidity ratios
11.02%
0.09
14.70
16.54
1373.56%
1658.76%
I.Cash flow ratio

188
Jubilee Life Insurance Co. Ltd.

Items
2011
2012
1,430,398
1,795,635
1.Share capital
627,120
627,120
803,278
1,168,515
14,357,210
21,752,105
12,844,091
19,853,501
787,561
917,650
725,558
980,954
15,787,608
23,547,740
2,250,153
4,582,439
2.Reserves
4.Others

8,981
6,806
12,980,198
18,207,492
340,689
430,516
5.Fixed assets
207,587
320,487
74,841
185,542
2.Gross premium
8,215,262
12,080,180
3.Net premium
7,756,624
11,501,196
4.Gross claims
2,139,574
2,731,241
5.Net claims
1,770,426
2,252,223
4,363,882
6,786,232
582,356
808,669
374,593
553,373
62,712
62,712
0.30
0.45

1.Investment income
E.Other items
2.Cash dividend
0.00
0.00
3,304,453
5,092,687
26.19%
30.82%
2.37%
2.35%
5.97
8.82
22.82%
19.58%
1164.97%
1226.34%
0.96%
1.61%
14.25%
19.46%
82.22%
77.32%
9.06%
7.63%
22.81
28.63
882.14%
9.20


G.Liquidity ratios

I.Cash flow ratio
189
State Life Insurance Corporation Ltd.

Items
2011
2012
1,620,223
2,314,368
1.Share capital
1,100,000
1,100,000
2.Reserves
447,077
520,223
767,291
292,086,940
346,883,568
268,579,591
313,754,425
14,701,580
19,173,934
8,805,769
13,955,209
293,707,163
349,197,936
30,425,683
30,721,884
430,041
27,341,802
221,069,167
265,912,533
41,532,073
24,914,715
250,199
307,002
1.Investment income
30,765,978
137,915
2.Gross premium
45,034,812
56,232,068
3.Net premium
44,812,492
56,018,338
4.Gross claims
19,492,772
24,261,447
5.Net claims
19,420,003
24,067,041
11,510,797
18,038,234
785,581
1,154,841
520,223
767,291
11,000
11,000
2.Cash dividend
0.00
0.00
0.00
0.00
8,814,827
13,135,854
32.11%
33.15%
0.18%
0.22%
47.29
69.75
43.34%
42.96%

4.Others

5.Fixed assets
E.Other items


G.Liquidity ratios
2212.67%
23.51
68.65%
0.25%
10.36%
0.09
75.27%
76.15%
0.55%
0.66%
147.29
210.40
1694.43%
1711.98%
I.Cash flow ratio

190
Non-Life Insurance Corporations - Overall

Items
2011
2012
80,946,366
85,911,320
1.Share capital
20,540,656
21,530,183
2.Reserves
37,233,545
37,570,906
23,172,165
26,810,231
1,123,625
2,266,079
71,892,031
80,761,775
58,809,731
66,051,255
13,082,300
14,710,520
153,962,022
168,939,174
14,531,425
16,123,274
156,933
154,918
79,423,317
85,365,742
53,872,432
59,982,948
5,977,915
7,312,292
7,152,863
10,083,551
2.Gross premium
58,034,359
61,999,065
3.Net premium
31,142,662
31,534,547
4.Gross claims
27,928,963
39,593,688
5.Net claims
17,464,816
17,266,539
4.Others

5.Fixed assets
1.Investment income
4,759,999
4,617,570
8,436,384
12,321,763
6,463,753
10,145,853
E.Other items
2,124,393
2,227,852
2.Cash dividend
N/A
N/A
N/A
N/A
1,118,851
3,246,339

7.99%
11.81%
0.04
6.01%
3.04
4.55
56.08%
54.75%
73.64%
45.51%
22.97%
31.98%
9.44%
9.54%
51.59%
50.53%
52.58%
50.85%
38.10
38.56
17.31%
0.32
G.Liquidity ratios
I.Cash flow ratio
191
ACE Insurance Ltd.

Items
2011
2012
387,719
401,165
1.Share capital
300,000
300,000
87,719
101,165
2.Reserves
4.Others
5.Fixed assets
1,141,108
954,562
963,999
772,005
177,109
182,557
1,528,827
1,355,727
837,974
762,316
674,396
577,271
16,457
16,140

1.Investment income
2.Gross premium
499,666
602,644
3.Net premium
228,525
116,279
4.Gross claims
5.Net claims
273,025
84,687
86,572
4,152
77,626
67,587
131,424
142,917
82,645
89,443
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
291,928
(76,335)
21.32%
0.22
5.41%
0.07
2.75
2.98


37.88%
3.57%
93.93%
75.56%
0.00
0.00
54.81%
56.23%
0.00
0.00
25.36%
29.59%
12.92
13.37
353.23%
-85.34%

G.Liquidity ratios
I.Cash flow ratio
192
Adamjee Insurance Co. Ltd.

Items
2011
2012
10,835,244
11,485,747
1.Share capital
1,237,045
1,237,045
2.Reserves
1,241,625
1,441,879
8,356,574
8,806,823
13,232,418
13,121,416
11,027,452
10,819,833
2,204,966
2,301,583
24,067,662
24,607,163
4.Others

5.Fixed assets
2,378,967
2,507,411
17,175
12,791
9,451,731
9,948,294
11,156,919
11,021,016
1,062,870
1,117,651

1.Investment income
852,315
1,331,791
11,064,000
10,058,873
3.Net premium
6,983,344
5,671,977
4.Gross claims
7,066,321
12,417,251
5.Net claims
2.Gross premium
4,749,113
4,142,667
165,534
(412,271)
(41,968)
670,420
132,177
628,055
123,705
123,705
2.Cash dividend
0.25
0.25
0.00
0.00
(718,380)
(305,368)
1.22%
5.47%
0.55%
2.55%
E.Other items


1.07
5.08
68.01%
73.04%
125.24%
-65.64%
0.12
23.48%
9.88%
10.19%
39.27%
40.43%
45.02%
46.68%
87.59
92.85
-5.44
-48.62%
G.Liquidity ratios
I.Cash flow ratio
193
Agro General Insurance Co. Ltd.

Items
2011
2012
100,237
121,769
1.Share capital
140,400
140,400
1,650
1,650
(41,813)
(20,281)
2,538
2,936
1,466
1,466
1,072
1,470
102,775
124,705
4,479
4,898
2.Reserves
4.Others

21,062
42,956
76,507
76,244
727
607
(5,051)
24,201
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
(7,839)
21,779
(7,965)
21,532
14,040
14,040
0.00
0.00
5.Fixed assets
1.Investment income
E.Other items
2.Cash dividend
0.00
0.00
(2,267)
(1,888)
-7.95%
17.68%
-7.75%
17.27%
-0.57
1.53


0.00
0.00
-
G.Liquidity ratios
4.36%
3.93%
20.49%
34.45%
97.53%
97.65%
7.14
8.67
28.46%
-8.77%

I.Cash flow ratio
194
Alflah Insurance Co. Ltd.

Items
2011
2012
388,599
486,611
1.Share capital
300,000
300,000
2.Reserves
16,381
16,381
72,218
170,230
1,125,507
1,509,668
4.Others
986,378
1,352,261
139,129
157,407
1,514,106
1,996,279
79,410
162,256
1,565
2,127
637,147
701,627
723,900
1,042,765
72,084
87,504
71,634
93,166
2.Gross premium
928,020
1,060,187
3.Net premium
384,483
454,403
4.Gross claims
305,967
877,172
5.Net claims
243,221
262,368
77,619
92,460
75,634
107,886
69,238
98,022
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.20
226,416
81,311
17.82%
20.14%
4.57%
4.91%
2.31
3.27
63.26%
57.74%
1.12
94.33%
18.63%
0.21

5.Fixed assets
1.Investment income
E.Other items


G.Liquidity ratios

5.24%
8.13%
42.08%
35.15%
25.67%
24.38%
12.95
16.22
327.01%
82.95%

I.Cash flow ratio
195
Allianz EFU Health Insurance Co. Ltd.

Items
2011
2012
326,924
453,985
1.Share capital
300,000
300,000
26,924
153,985
699,658
623,808
606,831
555,319
92,827
68,489
1,026,582
1,077,793
35,969
26,152
518,792
640,457
450,011
387,054
21,810
24,130
37,156
91,263
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
1,060,767
1,082,540
3.Net premium
645,038
752,578
4.Gross claims
776,124
887,474
5.Net claims
523,590
568,187
57,654
95,031
96,804
169,341
56,851
127,061
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
20,096
26,312
17.39%
27.99%
5.54%
11.79%
1.90
4.24
81.17%
0.76
101.41%
74.79%
5.76%
12.13%
0.04
2.43%
50.54%
59.42%
31.85%
42.12%
10.90
15.13
35.35%
20.71%

G.Liquidity ratios
I.Cash flow ratio
196
Alpha Insurance Co. Ltd.

Items
2011
2012
351,733
486,550
1.Share capital
303,600
403,600
2.Reserves
10,175
10,175
37,958
72,775
4.Others
370,372
455,935
301,911
363,554
68,461
92,381
722,105
942,485
19,574
33,650
373,610
522,518
312,329
369,121
16,592
17,196

5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
62,432
96,873
155,043
203,849
74,277
67,428
4.Gross claims
51,839
73,245
5.Net claims
51,838
37,441
(38,580)
(43,419)
4,876
31,883
17,848
35,209
E.Other items
30,360
40,360
2.Cash dividend
0.00
0.00
0.00
0.00
(17,781)
(13,781)
5.07%
7.24%
2.47%
3.74%
0.59
0.87


69.79%
55.53%
-216.16%
-123.32%
84.05%
143.67%
G.Liquidity ratios
2.71%
3.57%
51.74%
55.44%
48.71%
51.62%
11.59
12.06
-99.62%
-39.14%

I.Cash flow ratio
197
Asia Insurance Co. Ltd.

Items
2011
2012
342,583
352,763
1.Share capital
300,000
300,000
2,500
2,500
2.Reserves
40,083
50,263
136,060
136,060
60,626
71,599
39,131
47,245
21,495
24,354
539,269
560,422
4.Others
159,876
62,903
113,378
179,776
65,934
88,171
200,081
229,572
1.Investment income
24,319
28,903
2.Gross premium
53,021
53,083
3.Net premium
33,704
29,301
4.Gross claims
12,074
21,380
5.Net claims
10,916
10,136
334
(3,585)
11,545
7,301
9,665
10,180
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
(6,325)
(26,592)
2.82%
2.89%
1.79%
1.82%

5.Fixed assets
E.Other items

0.32
0.34
32.39%
34.59%
3.46%
-35.22%
72.15%
98.64%
29.65%
11.22%
21.02%
32.08%
63.53%
62.95%
11.42
11.76
-65.44%
-261.22%
G.Liquidity ratios

I.Cash flow ratio
198
Askari General Insurance Co. Ltd.

Items
2011
2012
432,208
502,897
1.Share capital
308,210
323,620
2.Reserves
74,658
74,658
49,340
104,619
1,112,772
1,721,117
902,563
1,396,157
210,209
324,960
1,544,980
2,224,014
130,566
483,242
4.Others

1,190
1,736
554,394
605,034
810,840
1,057,303
47,990
76,699
52,094
55,090
1,106,539
1,414,000
3.Net premium
633,283
699,947
4.Gross claims
547,467
561,576
5.Net claims
327,857
372,934
142,350
165,808
78,921
86,393
65,434
74,287
30,821
32,362
0.00
0.00
5.Fixed assets
1.Investment income
2.Gross premium
E.Other items
2.Cash dividend
0.05
0.20
(17,098)
435,940
15.14%
14.77%
4.24%
3.34%
2.12
2.30
51.77%
53.28%
217.55%
2.23
8.23%
7.87%
8.45%
21.73%
35.88%
0.27
27.97%
22.61%
14.02
15.54
-26.13%
586.83%


G.Liquidity ratios
I.Cash flow ratio
199
Atlas Insurance Co. Ltd.

Items
2011
2012
1,009,919
1,198,425
1.Share capital
442,938
531,526
2.Reserves
265,064
301,064
301,917
365,835
1,068,166
1,504,248
4.Others
872,535
1,234,076
195,631
270,172
2,078,085
2,702,673
54,591
282,013
117
170
1,089,256
1,255,886
888,629
1,098,177
45,492
66,427
133,572
180,692
1,120,290
1,500,344
3.Net premium
591,289
603,616
4.Gross claims
289,352
234,186
5.Net claims
153,294
133,237
253,585
295,316
400,084
467,763
301,168
366,356
44,294
53,153
2.Cash dividend
0.40
0.40
0.20
0.20
(139,230)
399,670
29.82%
30.57%
14.49%
13.56%
6.80
6.89
25.93%
22.07%
0.84
80.61%
22.59%
29.93%

5.Fixed assets
1.Investment income
2.Gross premium
E.Other items


G.Liquidity ratios

2.63%
10.43%
52.42%
46.47%
0.49
44.34%
22.80
22.55
-46.23%
109.09%

I.Cash flow ratio
200
Century Insurance Co. Ltd.

Items
2011
2012
952,285
1,022,950
1.Share capital
457,244
457,244
2.Reserves
373,024
373,024
122,017
192,682
520,940
589,159
432,518
480,604
88,422
108,555
1,473,225
1,612,109
97,520
90,511
859,878
998,097
467,104
479,544
48,723
43,957
22,333
104,967
2.Gross premium
534,752
585,100
3.Net premium
225,191
268,223
4.Gross claims
182,130
320,770
5.Net claims
80,505
112,042
87,325
83,583
53,363
129,401
36,349
116,247
4.Others
5.Fixed assets
1.Investment income
E.Other items
45,724
45,724
2.Cash dividend
0.10
0.13
0.00
0.00
57,370
50,840
3.82%
11.36%
2.47%
7.21%
0.79
2.54
35.75%
41.77%

240.24%
0.72
9.92%
39.13%
6.62%
5.61%
58.37%
61.91%
64.64%
63.45%
20.83
22.37
157.83%
43.73%
G.Liquidity ratios
I.Cash flow ratio
201
Continental Insurance Co. Ltd.

Items
2011
2012
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
1.Cash generated from operating activities to profit after tax. (E4/D8) -
E.Other items
G.Liquidity ratios
I.Cash flow ratio
202
Crescent Star Insurance Ltd.

Items
1.Share capital
2.Reserves
2011
2012
84,336
66,174
121,000
121,000
26,264
26,265
(62,928)
(81,091)
4.Others
21,108
21,108
96,934
88,742
89,281
81,152
7,653
7,590
202,378
176,024


5.Fixed assets
10,457
13,666
24,106
21,971
126,126
101,309
41,689
39,078

1.Investment income
396
6,091
2.Gross premium
81,870
68,620
3.Net premium
60,230
40,991
4.Gross claims
39,349
25,425
5.Net claims
18,372
11,760
15,562
6,558
2,220
(17,842)
1,427
(18,162)
12,100
12,100
2.Cash dividend
0.00
0.00
0.00
0.00
(9,704)
(5,990)
1.69%
-27.45%
0.71%
-10.32%
E.Other items

0.12
-1.50
0.31
28.69%
1090.54%
-36.11%
0.66%
14.86%
5.17%
7.76%
11.91%
12.48%
41.67%
37.59%
6.97
5.47
-680.03%
32.98%

G.Liquidity ratios
I.Cash flow ratio
203
E.F.U.General Insurance Co. Ltd.

Items
2011
2012
9,995,869
11,131,164
1.Share capital
1,250,000
1,250,000
2.Reserves
8,162,902
8,362,902
582,967
1,518,262
14,382,169
17,926,264
12,805,452
16,120,715
1,576,717
1,805,549
24,378,038
29,057,428
1,758,119
1,669,886

4.Others
3,326
2,612
12,552,086
13,611,374
9,304,862
12,902,913
759,645
870,643
185,101
850,792
12,042,667
12,359,958
3.Net premium
6,224,495
6,008,956
4.Gross claims
4,809,747
8,225,355
5.Net claims
3,707,552
3,297,441
693,348
678,793
841,544
1,613,896
560,948
1,564,446
125,000
125,000
0.28
0.50

5.Fixed assets
1.Investment income
2.Gross premium
E.Other items
2.Cash dividend
0.00
0.00
434,352
292,396
5.61%
14.05%
0.02
5.38%
4.49
12.52
59.56%
54.88%
1.24
43.39%
2.97%
14.16%
7.21%
5.75%
51.49%
46.84%
0.41
38.31%
79.97
89.05
77.43%
18.69%


G.Liquidity ratios
I.Cash flow ratio
204
East West Insurance Co. Ltd.

Items
2011
2012
398,043
466,100
1.Share capital
301,655
331,820
2.Reserves
75,000
100,000
21,388
34,280
315,912
369,252
4.Others
264,150
308,978
51,762
60,274
713,955
835,352
52,573
62,204
243,535
354,417
307,104
360,532
5.Fixed assets
110,743
58,199
31,364
36,777
2.Gross premium
673,320
855,720
3.Net premium
387,685
467,724
4.Gross claims
233,491
346,612
5.Net claims
153,899
179,314
81,803
112,964
47,871
84,251
34,750
68,057
30,166
33,182
2.Cash dividend
0.00
0.00
0.10
0.10
8,777
42,607


1.Investment income
E.Other items

8.73%
0.15
4.87%
8.15%
1.15
2.05
0.40
38.34%
2.35
165.98%
8.09%
7.86%

G.Liquidity ratios

7.36%
7.45%
34.11%
42.43%
55.75%
0.56
13.20
14.05
25.26%
0.63

I.Cash flow ratio
205
Excel Insurance Co. Ltd.

Items
2011
2012
273,653
305,087
1.Share capital
300,000
300,000
110
110
(26,457)
4,977
16,155
16,203
10,347
12,393
5,808
3,810
289,808
321,290
24,336
79,520
202,220
197,008
58,002
40,523
5,250
4,239
1.Investment income
11,798
61,279
2.Gross premium
2.Reserves
4.Others
5.Fixed assets
15,077
12,984
3.Net premium
6,022
6,724
4.Gross claims
5,905
14,220
5.Net claims
1,762
4,769
(3,087)
(4,078)
(7,744)
33,289
(9,301)
31,434
E.Other items
25,000
25,000
2.Cash dividend
0.00
0.00
0.20
0.00
(20,254)
3,156

-0.03
0.10
-3.21%
9.78%
-0.37
1.26
29.26%
70.93%
33.19%
-12.97%
195.91%
911.35%
0.08
24.75%
69.78%
61.32%
94.43%
94.96%
10.95
12.20
217.76%
10.04%
G.Liquidity ratios
I.Cash flow ratio
206
Habib Insurance Co. Ltd.

Items
2011
2012
876,863
957,731
1.Share capital
450,454
495,499
2.Reserves
254,122
254,122
172,287
208,110
4.Others
1,001,868
1,047,703
703,681
703,132
298,187
344,571
1,878,731
2,005,434
50,432
78,598
31,237
29,221
916,434
1,056,208
866,503
829,578
14,125
11,829
1.Investment income
117,389
204,350
2.Gross premium
894,331
955,934
3.Net premium
420,310
435,966
5.Fixed assets
4.Gross claims
436,243
408,195
5.Net claims
231,180
229,906
60,193
63,023
149,044
209,749
126,296
194,988
E.Other items
90,091
99,100
2.Cash dividend
0.25
0.35
0.10
0.00
(77,378)
64,313
0.14
20.36%
6.72%
9.72%
1.40
1.97

0.55
52.73%
47.66%
32.32%
27.93%
46.87%
G.Liquidity ratios
2.68%
3.92%
48.78%
52.67%
46.67%
47.76%
9.73
9.66
-61.27%
32.98%

I.Cash flow ratio
207
Hallmark Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others
2011
2012
(28)
(148)
5,000
5,000
(5,028)
(5,148)
2,226
4,796
1,448
1,448
778
3,348
2,198
4,648

492
492
610
3,060
1,096
1,096
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
(120)
(120)
500
500
2.Cash dividend
0.00
0.00
0.00
0.00
0.00
81.08%
0.00
-2.58%
5.Fixed assets
E.Other items

0.00
-0.24
0.00
-
G.Liquidity ratios
22.38%
10.59%
0.00
0.00
-1.27%
-3.18%
-0.06
-0.30

I.Cash flow ratio
0.00
208
International General Insurance Co. of Pakistan Ltd.

Items
2011
2012
11,179,366
10,673,722
1.Share capital
1,115,359
1,115,359
2.Reserves
9,530,371
8,972,692
533,636
585,671
2,291,439
2,268,585
1,463,515
1,298,764
827,924
969,821
13,470,805
12,942,307
77,517
2,364

4.Others
11,608,505
11,331,389
1,619,668
1,452,206
165,115
156,348
492,524
397,528
1,747,015
1,846,856
3.Net premium
852,329
939,849
4.Gross claims

5.Fixed assets
1.Investment income
2.Gross premium
1,388,264
852,763
5.Net claims
530,525
583,482
207,782
232,399
56,632
(342,508)
49,703
(353,834)
111,536
111,536
0.50
0.30
E.Other items
2.Cash dividend
0.15
0.00
(18,106)
177,039
0.44%
-3.32%
0.37%
-2.73%
0.45
-3.17
62.24%
62.08%
418.05%
-65.68%
57.79%
0.42
0.58%
0.02%
86.18%
87.55%
82.99%
82.47%
100.23
95.70
-36.43%
-50.03%


G.Liquidity ratios
I.Cash flow ratio
209
Jubilee General Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others
2011
2012
3,542,869
4,074,836
988,721
1,186,465
1,679,384
2,009,384
874,764
878,987
5,431,966
6,684,545
4,171,474
5,090,734
1,260,492
1,593,811
8,974,835
10,759,381
967,361
1,259,538
849
757
5,082,078
6,076,310
2,827,350
3,284,143
97,197
138,633
611,966
631,280
2.Gross premium
5,180,000
6,008,000
3.Net premium
2,764,204
3,084,738
4.Gross claims
2,089,885
2,848,000
5.Net claims
1,699,094
1,910,326
153,756
154,350
892,911
946,001
797,189
826,498
98,872
118,647
2.Cash dividend
0.30
0.30
0.20
0.15
599,038
849,474

5.Fixed assets
1.Investment income
E.Other items

0.23
20.28%
8.88%
7.68%
8.06
6.97
61.47%
61.93%
19.29%
18.68%
22.14%
20.46%

G.Liquidity ratios
10.78%
11.71%
56.63%
56.47%
39.48%
37.87%
35.83
34.34
75.14%
102.78%

I.Cash flow ratio
210
New Hampshire Insurance Co. Ltd.

Items
2011
2012
1,002,279
1,194,991
1.Share capital
1,002,279
1,194,991
2.Reserves
4.Others
1,751,481
1,769,511
1,431,277
1,560,311
320,204
209,200
2,753,760
2,964,502
1,106,672
1,306,232
529,831
525,338
1,056,922
1,070,653
60,335
62,279
177,545
181,894


5.Fixed assets
1.Investment income
2.Gross premium
1,338,447
1,399,601
3.Net premium
443,395
436,986
4.Gross claims
470,519
560,789
5.Net claims
268,243
270,193
66,829
141,960
108,147
294,819
74,221
192,712
E.Other items
100,228
119,499
2.Cash dividend
0.00
0.00
0.00
0.00
35,739
36,260

7.41%
16.13%
0.03
0.07
0.74
1.61
0.61
61.83%
90.04%
73.66%
40.04%
41.62%
40.19%
44.06%
19.24%
17.72%
0.36
40.31%
10.00
10.00
48.15%
18.82%
G.Liquidity ratios

I.Cash flow ratio
211
Pakistan Reinsurance Co. Ltd.

Items
2011
2012
5,981,854
6,122,153
1.Share capital
3,000,000
3,000,000
2.Reserves
2,058,420
2,058,419
923,434
1,063,734

4.Others
8,491,743
9,643,857
7,696,032
8,398,789
795,711
1,245,068
14,473,597
15,766,010
1,597,263
2,014,445
56,634
60,591
5,832,677
6,472,216
6,937,983
7,165,875
49,040
52,883

5.Fixed assets
1.Investment income
890,804
918,243
2.Gross premium
6,893,000
8,153,000
3.Net premium
3,534,950
4,096,084
4.Gross claims
2,570,843
3,017,986
5.Net claims
2,017,545
2,217,053
379,426
563,347
1,257,528
1,537,390
844,813
1,160,173
E.Other items
300,000
300,000
2.Cash dividend
0.30
0.25
0.00
0.00
412,255
986,312
14.12%
18.95%
5.84%
7.36%
2.82
3.87
57.07%
54.13%
44.91%
48.56%
0.25
22.42%
11.04%
12.78%
0.40
41.05%
41.33%
38.83%
19.94
20.41
0.49
85.01%


G.Liquidity ratios
I.Cash flow ratio
212
PICIC Insurance Ltd.

Items
2011
2012
250,698
223,627
1.Share capital
350,000
350,000
(99,302)
(126,373)
820,881
748,723
687,733
663,729
133,148
84,994
1,071,579
972,350
2.Reserves
4.Others

5.Fixed assets
236,273
245,535
54,182
66,034
772,592
656,134
8,532
4,647

1.Investment income
3,441
13,529
2.Gross premium
694,665
594,296
3.Net premium
224,914
322,840
4.Gross claims
297,079
356,693
5.Net claims
143,668
211,887
19,981
(11,755)
8,424
(25,819)
11,770
(26,479)
35,000
35,000
2.Cash dividend
0.00
0.00
0.00
0.00
(9,543)
(14,966)
4.69%
-11.84%
0.01
-2.72%
E.Other items

0.34
-0.76
63.88%
65.63%
169.76%
44.39%
1.53%
4.19%
22.05%
25.25%
5.06%
6.79%
0.23
0.23
7.16
6.39
-81.08%
56.52%

G.Liquidity ratios
I.Cash flow ratio

213
Premier Insurance Ltd.

Items
2011
2012
1,838,009
1,781,938
1.Share capital
2.Reserves
4.Others
302,821
302,821
1,345,025
1,345,025
190,163
134,092
1,463,640
1,523,921
1,005,827
1,036,431
457,813
487,490
3,301,649
3,305,859
186,633
146,836
1,000
1,346,206
1,305,644
1,515,190
1,597,807
252,620
255,572
1.Investment income
143,448
72,570
2.Gross premium
967,866
1,069,011
3.Net premium
462,416
532,481
4.Gross claims
610,838
840,923
5.Net claims
218,828
327,412
4,949
(60,960)
90,009
(15,725)
71,056
3,934
60,564
60,564
0.25
0.20
5.Fixed assets
E.Other items
2.Cash dividend
0.00
0.00
(92,662)
(91,886)
3.87%
0.22%
2.15%
0.12%
1.17
0.06
47.32%
61.49%
6.96%
-1549.57%
31.02%
13.63%
5.65%
4.44%
40.77%
39.49%
55.67%
0.54
30.35
29.42
-130.41%
-2335.69%


G.Liquidity ratios
I.Cash flow ratio
214
Reliance Insurance Co. Ltd.

Items
2011
2012
515,428
578,713
1.Share capital
318,940
318,940
2.Reserves
4.Others
90,000
90,000
106,488
169,773
593,506
1,054,311
494,137
970,483
99,369
83,828
1,108,934
1,633,024
79,824
68,760
922
1,566
406,541
436,862
560,732
1,063,195
60,915
62,641
94,858
110,253
2.Gross premium
543,400
613,720
3.Net premium
238,706
240,703
4.Gross claims
224,614
925,506
5.Net claims
86,322
83,096
15,244
17,044
83,317
93,905
76,817
87,205
31,894
31,894
2.Cash dividend
0.08
0.00
0.13
0.15
(6,862)
(57,429)

5.Fixed assets
1.Investment income
E.Other items

0.15
15.07%
6.93%
5.34%
2.41
2.73
36.16%
34.52%
19.84%
19.54%
39.74%
0.46

G.Liquidity ratios

0.07
4.21%
36.66%
26.75%
46.48%
35.44%
16.16
18.14
-8.93%
-65.86%

I.Cash flow ratio
215
Saudi Pak Insurance Co. Ltd.

Items
2011
2012
182,544
257,092
1.Share capital
325,000
325,000
(142,456)
(67,908)
246,329
272,733
221,356
234,364
24,973
38,369
428,873
529,825
62,986
70,408
347
501
82,342
93,660
250,723
308,646
32,475
56,610
7,453
10,212
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
217,870
317,860
3.Net premium
93,468
183,607
4.Gross claims
58,676
103,173
5.Net claims
16,427
36,884
21,020
49,305
25,338
23,880
24,403
74,966
E.Other items
32,500
32,500
2.Cash dividend
0.00
0.00
0.00
0.00
22,208
41,180
13.37%
29.16%
5.69%
14.15%
0.75
2.31
17.57%
20.09%
86.14%
65.77%
7.97%
5.56%
14.69%
13.29%
0.19
17.68%
42.56%
48.52%
5.62
7.91
91.01%
54.93%
G.Liquidity ratios
I.Cash flow ratio
216
Security General Insurance Co. Ltd.

Items
1.Share capital
2.Reserves
4.Others
5.Fixed assets
2011
2012
7,133,938
7,421,249
680,625
680,625
2,000
2,000
6,451,313
6,738,624
787,118
1,309,253
428,976
867,932
358,142
441,321
7,921,056
8,730,502
56,740
164,617
7,211,211
7,272,990
565,766
1,185,744
87,339
107,151

1.Investment income
508,665
633,015
2.Gross premium
451,000
1,006,000
3.Net premium
155,379
197,583
4.Gross claims
5.Net claims
144,095
267,195
52,709
70,020
47,583
56,112
457,157
585,742
389,330
527,049
E.Other items
68,063
68,063
2.Cash dividend
0.30
0.20
0.00
0.00
(43,078)
45,880
5.46%
0.07
4.92%
6.04%
5.72
7.74
33.92%
35.44%
12.22%
10.65%
327.37%
320.38%

G.Liquidity ratios
0.72%
1.89%
91.04%
83.31%
90.06%
0.85
104.81
109.04
-11.06%
8.71%

I.Cash flow ratio
217
Shaheen Insurance Co. Ltd.

Items
2011
2012
265,465
283,373
1.Share capital
250,000
300,000
2.Reserves
20,000
20,000
(4,535)
(36,627)
567,056
595,704
475,708
504,368
91,348
91,336
832,521
879,077
4.Others

26,324
48,490
2,774
3,556
81,085
268,411
538,027
485,820
5.Fixed assets
184,311
72,800

1.Investment income
11,654
8,630
2.Gross premium
664,326
562,845
3.Net premium
482,963
508,120
4.Gross claims
332,393
395,058
5.Net claims
247,643
303,949
83,566
40,378
25,199
(29,245)
19,245
(32,092)
25,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
(120,351)
(36,403)
7.25%
-11.33%
2.31%
-3.65%
E.Other items

0.77
-1.07
51.28%
59.82%
434.22%
-125.82%
2.41%
0.02
3.16%
5.52%
9.74%
30.53%
31.89%
32.24%
10.62
9.45
-625.36%
113.43%

G.Liquidity ratios

I.Cash flow ratio
218
Standard Insurance Co. Ltd.

Items
2011
-
2012
-
1.Share capital
2.Reserves
4.Others
5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
2.Cash dividend
E.Other items
G.Liquidity ratios
I.Cash flow ratio
219
TPL Direct Insurance Co. Ltd.

Items
2011
2012
367,597
387,304
1.Share capital
452,313
452,313
2.Reserves
4.Others
(84,716)
(65,009)
408,323
455,767
314,761
417,763
93,562
38,004
775,920
843,071
22,065
17,769
511
1,018
163,056
149,272
336,007
506,966
5.Fixed assets
254,281
168,046
8,521
6,186
2.Gross premium
513,332
706,474
3.Net premium
453,632
619,854
4.Gross claims
246,669
352,296
5.Net claims
171,289
253,888
72,956
87,459
42,814
62,193
29,777
42,708
45,231
45,231
2.Cash dividend
0.05
0.00
0.00
0.00
73,349
54,829


1.Investment income
E.Other items

G.Liquidity ratios
0.08
11.03%
3.84%
5.07%
0.66
0.94
37.76%
40.96%
245.01%
204.78%
1.88%
0.01

2.84%
2.11%
21.01%
17.71%
47.38%
45.94%
8.13
8.56
246.33%
128.38%

I.Cash flow ratio
220
The Asian Mutual Insurance Co. Ltd.

Items
2011
2012
1,234
1,700
1.Share capital
2,831
2,731
(1,597)
(1,031)
4.Others
8,395
8,395
2,971
4,537
1,576
3,044
1,395
1,493
12,600
14,632
286
961
10,160
10,160
2,066
2,622
88
889
2.Gross premium
2,545
4,768
3.Net premium
2,236
4,263
4.Gross claims
220
5.Net claims
220
2.Reserves

5.Fixed assets
1.Investment income
1,055
2,210
439
627
414
567
E.Other items
2.Cash dividend
0.00
0.00
0.00
0.00
718
852
33.55%
33.35%
3.29%
3.88%

0.36%
5.16%
254.83%
389.77%
0.00
0.00
2.27%
6.57%
80.63%
69.44%
9.79%
11.62%
G.Liquidity ratios
I.Cash flow ratio

173.43%
150.26%
221
The Cooperative Insurance Society of Pakistan Ltd.

Items
2011
2012
315,109
315,426
1.Share capital
300,000
300,000
2.Reserves
7,450
7,779
7,659
7,647
611,968
1,675,371
9,525
21,643
3,615
2,440
4.Others
5,910
19,203
936,602
2,012,440
12,153
10,927
5,508
7,658
2,401
1,209
916,540
1,992,646
1.Investment income
2,908
3,337
2.Gross premium
6,142
4,597
3.Net premium
5,247
3,349

5.Fixed assets
4.Gross claims
119
856
5.Net claims
(44)
695
(3,249)
(4,282)
2,169
1,181
1,899
1,317
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
(5,720)
(6,259)
0.01
0.42%
0.00
0.07%
0.06
0.04


-0.84%
20.75%
-171.09%
-325.13%
55.42%
99.64%
G.Liquidity ratios
0.01
0.54%
0.59%
0.38%
33.64%
15.67%
10.50
10.51
-301.21%
-475.25%

I.Cash flow ratio
222
The Pakistan General Insurance Co. Ltd.

Items
2011
2012
404,367
499,153
1.Share capital
300,000
300,000
2.Reserves
100,000
190,000

4.Others
4,367
9,153
10,743
10,431
290,868
225,328
239,603
174,501
51,265
50,827
705,978
734,912
118,604
197,179
193
220
181,812
189,097
323,123
270,878
82,246
77,538
5.Fixed assets
1.Investment income
8,319
12,432
2.Gross premium
423,522
383,764
3.Net premium
142,680
228,961
4.Gross claims
218,743
185,210
5.Net claims
65,955
74,902
48,400
135,027
33,123
130,978
52,398
109,474
30,000
30,000
2.Cash dividend
0.05
0.00
0.00
0.25
(55,599)
76,848
12.96%
21.93%
7.42%
0.15
E.Other items

1.75
3.65
46.23%
32.71%
92.37%
123.34%
5.83%
5.43%
0.17
26.83%
25.75%
25.73%
57.28%
67.92%
13.48
16.64
-106.11%
0.70
G.Liquidity ratios
I.Cash flow ratio
223
The Pakistan Mutual Insurance Co. Ltd.

Items
2011
2012
8,936
4,732
1.Share capital
2.Reserves
4.Others
29
29
8,907
4,703
5,157
14,976
3,881
8,411
1,276
6,565
14,093
19,708
9,210
2,723
420
500
3,041
13,919
5.Fixed assets
1,422
2,566
2.Gross premium
6,966
14,202
3.Net premium
6,170
9,582
4.Gross claims
633
2,551
5.Net claims
593
2,302
(1,950)
(1,395)
6,183
276
206
228
2.Cash dividend
0.00
0.00
0.00
0.00
206
(6,870)
2.31%
4.82%


1.Investment income
E.Other items

1.46%
1.16%
-
9.61%
24.02%
-9.47
-611.84%
0.00
0.00
65.35%
13.82%
0.00
0.00
63.41%
24.01%
G.Liquidity ratios
I.Cash flow ratio

224
1.00
-3013.16%
The United Insurance Co. of Pakistan Ltd.

Items
2011
2012
764,809
918,397
1.Share capital
496,248
570,685
2.Reserves
4.Others
75,116
75,116
193,445
272,596
1,335
46,064
678,246
1,113,271
509,587
909,680
168,659
203,591
1,444,390
2,077,732
271,519
307,399
5,975
5,907
137,638
208,160
607,164
1,002,916
5.Fixed assets
422,094
553,350
18,085
41,167
1,030,438
1,422,915
3.Net premium
643,736
783,340
4.Gross claims
413,269
556,443
5.Net claims
262,777
245,413
259,222
302,862
114,473
187,484
97,933
161,120
49,625
57,069
2.Cash dividend
0.00
0.00
0.15
0.23
173,974
290,629


1.Investment income
2.Gross premium

E.Other items

G.Liquidity ratios
0.13
17.54%
6.78%
7.75%
1.97
2.82
40.82%
31.33%
264.69%
187.97%
2.81%
5.26%

0.19
14.79%
9.53%
10.02%
52.95%
0.44
15.41
16.09
177.65%
180.38%

I.Cash flow ratio
225
The Universal Insurance Co. Ltd.

Items
2011
2012
207,765
143,380
1.Share capital
300,000
300,000
14,249
14,360
(106,484)
(170,980)
4.Others
230,544
247,442
630,863
522,012
513,322
410,997
117,541
111,015
1,069,172
912,834
129,652
61,875
1,096
926
135,201
134,967
546,617
458,715
5.Fixed assets
256,606
256,351
6,180
6,817
2.Gross premium
464,000
295,000
3.Net premium
292,305
210,671
4.Gross claims
214,718
134,061
5.Net claims
143,400
101,608
2.Reserves


1.Investment income
(2,023)
1,439
(110,583)
(65,672)
(64,808)
(66,256)
E.Other items
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
(26,286)
(96,930)
-31.19%
-46.21%
-6.06%
-7.26%
-2.16
-2.21
49.06%
48.23%
3.12%
-2.17%
2.11%
3.24%
12.13%
6.78%
12.65%
14.79%
19.43%
15.71%
6.93
4.78
40.56%
1.46

G.Liquidity ratios

I.Cash flow ratio
226
UBL Insurers Ltd.

Items
2011
2012
628,842
657,619
1.Share capital
800,000
800,000
(171,158)
(142,381)
2.Reserves
4.Others
724,639
846,295
641,721
733,870
82,918
112,425
1,353,481
1,503,914
14,773
27,602
961
996
513,791
593,441
789,160
837,513
34,796
44,362

5.Fixed assets
1.Investment income
70,920
72,498
2.Gross premium
658,443
760,356
3.Net premium
252,755
278,023
4.Gross claims
446,328
502,191
5.Net claims
165,569
190,517
33,354
39,452
33,347
41,592
127,926
28,820

E.Other items
80,000
80,000
2.Cash dividend
0.00
0.00
0.00
0.00
54,098
36,395
20.34%
4.38%
9.45%
1.92%
1.60
0.36


65.51%
68.53%
26.07%
136.89%
28.06%
26.08%
G.Liquidity ratios
1.09%
1.84%
37.96%
39.46%
46.46%
43.73%
7.86
8.22
42.29%
126.28%

I.Cash flow ratio
227
Takaful Companies - Overall

Items
2011
2012
1,605,441
1,604,761
1.Share capital
2,468,429
2,498,058
89,609
140,436
(952,597)
(1,033,733)
33,005
29,183
2,891,129
5,170,994
1,605,691
3,605,602
961,893
1,090,533
323,545
474,859
4,529,575
6,804,938
2.Reserves
4.Others
1,635,326
2,628,354
828
1,890
1,481,268
2,676,583
1,121,215
1,242,671
290,938
255,440
5.Fixed assets
1.Investment income
60,626
113,575
3,329,641
5,329,541
3.Net premium
976,857
1,283,522
4.Gross claims
890,373
1,227,975
5.Net claims
572,542
793,930
(51,564)
14,181
(57,506)
81,320
(44,412)
62,310
246,843
249,806
2.Gross premium
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
693,636
1,698,506
-2.77%
3.88%
-0.98%
0.92%
-0.18
0.25
58.61%
61.86%
1.16
22.76%
6.21%
8.85%
0.36
38.62%
0.33
39.33%
35.44%
23.58%
6.50
6.42
-1561.82%
27.26

G.Liquidity ratios

I.Cash flow ratio
228
Dawood Family Takaful Ltd.

Items
2011
2012
562,470
519,477
1.Share capital
2.Reserves
750,000
750,000
(187,530)
(230,523)
4.Others
(10,090)
(5,090)
309,339
557,676
205,169
432,973
44,044
64,995
60,126
59,708
861,719
1,072,063
244,821
504,982
828
1,425
333,157
286,709
212,146
217,132
70,767
61,815
29,865
65,120
2.Gross premium
326,254
523,380
3.Net premium
203,715
292,814
4.Gross claims
20,949
30,890
6,323
8,637
(115,532)
(63,944)
(90,376)
(42,993)
75,000
75,000
0.00
0.00
5.Fixed assets
1.Investment income
5.Net claims
E.Other items
2.Cash dividend
0.00
0.00
(18,495)
98,284
-16.07%
-8.28%
-10.49%
-4.01%
-1.21
-0.57
0.03
2.95%
0.00
0.00
14.66%
22.24%
28.41%
0.47
38.66%
26.74%
65.27%
48.46%
7.50
6.93
20.46%
-2.29


G.Liquidity ratios

I.Cash flow ratio
229
Pak Qatar Family Takaful Ltd.

Items
2011
2012
434,160
444,325
1.Share capital
710,629
710,629
2.Reserves
(276,469)
(266,304)
1,637,879
3,484,764
1,400,522
3,172,629
181,681
234,121
55,676
78,014
2,072,039
3,929,089
811,894
1,496,680
902,195
2,055,307
236,785
273,053
5.Fixed assets
121,165
104,049
23,435
37,603
1,865,386
3,324,328
3.Net premium
272,569
367,323
4.Gross claims
262,391
519,852
5.Net claims
130,547
231,527
(4,373)
48,187
(9,395)
26,672
71,063
71,063
2.Cash dividend
0.00
0.00
0.00
0.00
780,441
1,560,954

4.Others


1.Investment income
2.Gross premium
E.Other items

-2.16%
0.06
-0.45%
0.68%
-0.13
0.38
0.48
63.03%
0.00
0.00
0.09
10.24%
G.Liquidity ratios
39.18%
38.09%
43.54%
52.31%
20.95%
11.31%
6.11
6.25
-8306.98%
5852.41%

I.Cash flow ratio
230
Pak Kuwait Takaful Co. Ltd.

Items
2011
2012
199,730
176,060
1.Share capital
400,000
400,000
89,609
140,436
(289,879)
(364,376)
500
481,307
484,667
366,979
373,196
114,328
111,471
681,037
661,227
257,599
236,662
56,871
69,869
336,960
326,409
29,607
28,287
1,499
2,511
2.Gross premium
642,246
720,406
3.Net premium
266,026
306,416
4.Gross claims
305,855
340,355
5.Net claims
225,946
281,781
2.Reserves
4.Others

5.Fixed assets
1.Investment income
(39,914)
44,312
49,318
60,952
42,895
55,405
E.Other items
40,000
40,000
2.Cash dividend
0.00
0.00
0.00
0.00
(51,536)
(40,682)

21.48%
31.47%
0.06
8.38%
1.07
1.39
84.93%
91.96%
-93.05%
79.98%
0.56%
0.82%
37.82%
35.79%
8.35%
10.57%
29.33%
26.63%
4.99
4.40
-120.14%
-73.43%

G.Liquidity ratios
I.Cash flow ratio
231
Pak Qatar General Takaful Ltd.

Items
2011
2012
275,297
323,698
1.Share capital
307,800
337,429
(32,503)
(13,731)
2.Reserves
4.Others
172,789
320,762
162,130
201,114
10,659
119,648
448,086
644,460
81,817
139,378
131,274
224,528
186,376
235,746
48,619
44,808

5.Fixed assets
1.Investment income
2.Gross premium
3.Net premium
3,741
6,388
330,472
549,209
91,317
165,903
4.Gross claims
187,398
229,838
5.Net claims
136,142
193,693
(7,863)
11,247
30,589
8,557
18,772
E.Other items
30,780
33,743
2.Cash dividend
0.00
0.00
0.00
0.00
(7,893)
96,452
3.11%
0.06
1.91%
2.91%
0.28
0.56


149.09%
116.75%
0.00
-41.89%
0.04
3.85%
18.26%
21.63%
0.29
34.84%
61.44%
50.23%
8.94
9.59
-92.24%
513.81%
G.Liquidity ratios
I.Cash flow ratio
232
Takaful Pakistan Ltd.

Items
2011
2012
133,784
141,201
1.Share capital
300,000
300,000
(166,216)
(158,799)
43,095
33,773
289,815
323,125
2.Reserves
4.Others
0
207,059
217,107
82,756
106,018
466,694
498,099

5.Fixed assets
239,195
250,652
465
57,771
40,170
148,948
190,331
20,780
16,481

1.Investment income
2,086
1,953
2.Gross premium
165,283
212,218
3.Net premium
143,230
151,066
4.Gross claims
113,780
107,040
5.Net claims
73,584
78,292
(11,650)
(22,268)
1,834
5,536
3,907
4,454
30,000
30,000
2.Cash dividend
0.00
0.00
0.00
0.00
(8,881)
(16,502)
2.92%
3.15%
0.84%
0.89%
E.Other items

0.13
0.15
51.37%
51.83%
-298.18%
-499.96%
1.46%
1.29%
51.25%
50.32%
12.38%
8.06%
28.67%
28.35%
4.46
4.71
-227.31%
-3.71

G.Liquidity ratios

I.Cash flow ratio
233
Housing Finance Companies - Overall

Items
2011
2012
2,036,876
1,530,036
1.Share capital
3,144,098
3,001,000
2.Statutry reserves
4.Others
649,556
636,583
(1,756,778)
(2,107,547)
213,130
222,253
17,478,530
18,620,754
17,446,673
18,620,754
31,857
a.Lease finance
31,857
19,728,536
20,373,043
19,359,616
20,109,543
b.Long term finance
507,360
232,253
18,852,256
19,877,290
368,920
263,500
26,537
342,383
263,500
1.Revenue
2,642,402
2,535,381
1,423,761
1,477,605
810,055
(123,721)
673,901
(163,975)
314,410
300,100

b.Other assets
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
2,438,308
771,675
33.09%
-10.72%
29.53%
-9.36%
3.42%
-0.01
1.76
-11.94
2.14
-0.55
2.57%
1.14%
1.11
1.08
G.Liquidity ratios
0.89
0.91
0.13%
0.00
10.32%
7.51%
6.48
5.10
1.Cash generated. from operating activities to profit after tax (E4/D4) (
3.62
-4.71
0.14
0.04

I.Cash flow ratio
235
HOUSE BUILDING FINANCE COMPANY LTD.

Items
2011
2012
1,903,063
1,530,036
1.Share capital
3,001,000
3,001,000
636,583
636,583
(1,734,520)
(2,107,547)
213,130
222,253
17,427,495
18,620,754
17,427,495
18,620,754
a.Lease finance
b.Long term finance
19,543,688
20,373,043
19,329,172
20,109,543
506,564
232,253
18,822,608
19,877,290
214,516
263,500
2.Statutry reserves
4.Others

214,516
263,500
1.Revenue
2,630,558
2,535,381
1,410,732
1,477,605
811,662
(123,721)
675,599
(163,975)
b.Other assets
E.Other items
300,100
300,100
2.Cash dividend
0.00
0.00
0.00
0.00
2,437,878
771,675
0.36
-10.72%
31.93%
-9.36%
3.46%
-0.01
1.74
-11.94
2.25
-0.55
2.59%
1.14%
1.11
1.08
0.89
0.91
0.00
0.00

G.Liquidity ratios

9.74%
7.51%
6.34
5.10
1.Cash generated. from operating activities to profit after tax (E4/D4) (
3.61
-4.71
0.14
0.04

I.Cash flow ratio
236
Venture Capital - Overall

Items
1.Share capital
2.Reserves
4.Others
2011
2012
(2,128,737)
16,897
4,205,980
25,073
162,223
752
(6,496,940)
(8,928)
667,521
20,892
6,511,448
2,562
6,057,018
2,405
454,430
157
5,050,232
40,351
2,772,110
36,256
464,660
615
b.Others
2,307,450
35,641
2,278,122
4,095
2,110,508
4,075
167,614
20
10,247,746
4,796
2,784,555
1,285
225,077
57
(1,075,243)
3,454
(1,127,043)
1,981
420,598
2,507
b.Others
1.Revenue
3.Financial charges
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
(1,013,494)
1,173
52.94%
11.72%
111.94%
5.22%
-22.32%
4.91%
-0.11
41.31%

27.17%
26.79%
-2.68
0.79
0.09
1.52%
0.46
15.08
1.29
0.06
-42.15%
41.88%
-5.06
6.74
0.90
0.59
-0.17
0.49

G.Liquidity ratios

I.Cash flow ratio
238
AKD Capital Ltd.

Items
2011
2012
15,711
16,897
1.Share capital
25,073
25,073
752
752
(10,114)
(8,928)
2.Reserves
4.Others
20,892
20,892
1,384
2,562
1,384
2,405
157
37,987
40,351
33,233
36,256
229
615
33,004
35,641
4,754
4,095
4,734
4,075
20
20
1.Revenue
2,663
4,796
1,536
1,285

b.Others
b.Others
3.Financial charges
57
1,126
3,454
889
1,981
2,507
2,507
E.Other items
2.Cash dividend
0.15
3,231
1,173
5.66%
11.72%
2.43%
5.22%
2.34%
4.91%
33.38%
41.31%
57.68%
26.79%
0.35
0.79
0.01
1.52%
24.01
15.08
0.04
0.06
41.36%
41.88%
6.27
6.74
3.63
0.59
2.33
0.49

G.Liquidity ratios
I.Cash flow ratio
239
2015
ent Analysis of Financial Sector
(Thousand Rupees)
2013
2014
2015
881,703,118
986,994,301
1,117,005,369
482,196,054
491,706,222
525,014,905
238,206,170
253,235,981
290,809,663
161,300,894
242,052,098
301,180,801
100,420,570
273,903,315
183,613,620
9,709,649,129
10,945,974,813
12,957,318,707
129,242,770
134,333,431
145,434,967
723,864,257
997,763,232
1,803,178,781
8,456,113,140
9,371,367,095
10,535,949,457
400,428,962
442,511,055
472,755,502
10,691,772,817
12,206,872,429
14,257,937,696
865,321,503
738,680,286
969,409,650
215,450,583
165,933,914
218,115,503
277,764,395
426,011,689
496,338,454
4,382,710,612
5,367,043,247
6,814,924,706
4,665,342,680
5,101,301,998
5,400,880,936
618,090,698
625,356,154
622,059,641
474,647,267
494,487,838
521,528,300
4,190,695,413
4,606,814,160
4,879,352,636
248,181,387
271,555,840
292,336,226
511,648,924
630,833,293
587,460,521
785,382,553
929,782,111
983,556,952
446,629,119
506,196,729
485,595,152
338,753,434
423,585,382
497,961,800
40,126,782
28,065,286
40,892,907
298,626,652
395,520,096
457,068,893
147,815,005
173,204,068
216,444,447
275,830,207
320,265,787
348,804,740
275,274,868
310,269,246
337,868,234
168,225,263
235,151,653
306,369,201
114,511,162
166,430,628
195,231,922
390,215,359
707,254,112
1,873,411,760
5,163,060,288
5,131,417,424
6,343,289,461
43.13%
45.56%
50.63%
3.17%
3.47%
3.49%
12.99%
16.86%
17.48%
1.07%
1.36%
1.37%
1.38%
1.42%
1.52%
2.79%
3.24%
3.21%
56.87%
54.44%
49.37%
1.64
1.32
1.10
29.56%
29.04%
29.07%
1.86
1.79
1.56
10.11%
7.41%
8.33%
40.99%
43.97%
0.48
0.39
37.74%
34.22%
79.09%
76.77%
0.74
90.81%
89.67%
90.88%
55.17%
54.43%
51.26%
50.82%
0.49
43.77%
13.25%
12.26%
11.52%
10.17%
9.69%
9.66%
0.70
63.36%
55.69%
8.45%
5.68%
7.84%
76.79%
79.07%
83.84%
8.25%
8.09%
7.83%
5.86
5.20
5.68
9.59
9.49
9.43
3.41
4.25
9.60
2015

(Thousand Rupees)
2013
2014
2015
841,752,833
953,682,119
1,090,106,080
439,852,130
458,813,070
506,897,475
238,044,557
253,079,654
290,644,872
163,856,146
241,789,395
292,563,733
100,558,005
273,340,745
183,429,620
9,485,675,459
10,742,138,500
12,723,566,867
125,673,854
130,761,677
142,452,897
672,314,150
921,515,085
1,694,672,449
8,305,036,474
9,263,858,503
10,430,057,369
382,650,981
426,003,235
456,384,152
10,427,986,297
11,969,161,364
13,997,102,567
824,555,592
711,399,190
949,414,134
212,844,423
164,122,606
216,084,565
249,593,547
413,271,161
477,041,534
4,261,996,937
5,240,065,844
6,641,568,567
4,603,500,246
5,038,764,621
5,360,164,395
611,855,826
620,600,021
618,988,872
468,341,028
489,638,456
518,349,927
4,135,159,218
4,549,126,165
4,841,814,468
246,822,391
270,482,510
290,829,575
497,014,189
620,693,888
580,349,724
768,183,606
912,165,341
968,317,693
438,862,367
498,690,426
481,178,395
329,321,239
413,474,915
487,139,298
40,336,487
28,095,500
41,401,952
288,984,752
385,379,415
445,737,346
145,603,899
170,375,438
212,913,948
266,922,333
313,718,835
344,141,397
266,375,253
303,809,673
333,268,285
165,280,131
228,618,886
296,170,498
112,905,817
162,304,510
188,786,505
43,945,936
45,486,869
120,493,594
N/A
N/A
N/A
N/A
N/A
N/A
356,079,564
691,807,661
1,790,721,454
4,440,183,276
4,504,291,046
5,457,968,671
42.87%
45.33%
50.31%
3.16%
3.45%
3.48%
13.41%
17.02%
17.32%
1.08%
1.36%
1.35%
0.01
1.42%
1.52%
2.77%
3.22%
3.18%
57.13%
54.67%
49.69%
1.61
1.33
1.13
29.21%
28.98%
29.13%
1.83
1.78
1.57
2.57
3.57
1.57
9.95%
7.31%
8.33%
40.87%
43.78%
47.45%
39.65%
38.01%
34.59%
79.64%
0.77
74.52%
90.96%
89.75%
0.91
55.43%
54.39%
51.39%
51.28%
49.47%
44.21%
13.29%
12.32%
11.55%
10.17%
9.72%
9.67%
72.69%
65.07%
56.78%
8.61%
5.74%
7.99%
76.54%
0.79
83.74%
8.07%
7.97%
7.79%
5.27
4.72
5.01
19.15
20.97
9.05
9.87
9.71
9.57
3.15
4.26
9.49
2015

(Thousand Rupees)
2013
2014
2015
130,688,522
150,797,403
162,547,498
53,320,376
59,322,900
59,722,900
37,002,658
37,479,281
50,539,823
40,365,488
53,995,222
52,284,775
68,950,662
82,386,158
65,309,700
1,729,248,335
2,006,640,791
2,260,909,568
16,436,797
13,837,507
11,955,779
78,027,179
145,722,809
124,744,530
1,549,717,784
1,744,292,337
2,022,872,635
85,066,575
102,788,138
101,336,624
1,928,887,519
2,239,824,352
2,488,766,766
190,767,068
132,241,916
189,292,592
27,360,760
18,338,859
32,921,483
75,925,384
159,308,242
31,406,942
617,992,555
855,910,311
1,171,334,054
970,530,553
1,022,892,140
1,038,243,712
180,633,122
183,458,878
192,331,164
121,849,347
132,801,965
150,200,731
848,681,206
890,090,175
888,042,981
41,742,023
42,680,005
43,948,769
126,418,523
141,254,844
131,819,945
139,957,391
165,250,924
168,164,204
90,666,188
101,812,608
93,106,464
49,291,203
63,438,316
75,057,740
19,188,685
11,378,500
16,799,331
30,102,518
52,059,816
58,258,409
31,234,462
35,210,112
48,333,908
46,930,137
56,926,478
59,852,101
47,817,698
53,682,111
58,143,525
12,460,843
14,272,266
26,663,633
8,835,363
20,801,727
27,882,499
5,332,037
5,932,290
5,972,290
N/A
N/A
N/A
N/A
N/A
N/A
11,014,162
170,370,995
408,635,629
770,295,052
793,839,795
970,230,954
35.22%
38.39%
44.63%
2.56%
2.83%
3.02%
6.76%
13.79%
17.15%
0.46%
0.93%
1.12%
1.62%
1.57%
1.94%
1.56%
2.32%
2.34%
64.78%
61.61%
55.37%
3.84
3.76
2.18
27.41%
0.28
27.65%
1.53
1.52
1.20
1.66
3.51
4.67
11.31%
6.72%
8.93%
32.04%
38.21%
47.06%
0.44
39.74%
35.68%
80.34%
77.88%
81.28%
89.65%
89.59%
90.84%
62.63%
58.64%
51.33%
59.62%
54.12%
48.34%
18.61%
17.94%
18.52%
12.55%
12.98%
14.47%
138.22%
121.66%
118.32%
15.75%
8.57%
11.18%
67.46%
72.39%
78.09%
6.78%
6.73%
6.53%
5.89
5.26
5.97
24.51
25.42
27.22
11.86
11.57
12.44
1.25
8.19
14.66
2015
(Thousand Rupees)
2013
2014
2015
1,711,881
2,236,767
2,699,259
1,494,113
2,494,113
2,894,113
294,768
294,768
294,768
(77,000)
(552,114)
(489,622)
(77,068)
(24,816)
133,905
19,126,564
16,575,147
18,513,458
152,238
111,951
103,166
49,585
2,502,955
2,832,357
18,337,854
13,448,864
15,163,440
586,887
511,377
414,495
20,761,377
18,787,098
21,346,622
1,146,630
1,195,415
1,066,852
702,652
508,504
170,453
1,039,411
7,457,832
7,300,567
11,067,137
9,669,321
9,401,379
9,253,381
763,406
1,410,920
1,894,617
405,785
1,056,141
1,283,106
9,263,536
8,345,238
7,970,275
287,591
383,314
337,357
863,725
1,054,060
734,548
1,837,763
1,798,495
1,516,365
1,188,336
1,117,808
818,538
649,427
680,687
697,827
172,210
643,663
225,239
477,217
37,024
472,588
134,535
82,784
409,063
834,077
785,863
847,379
823,354
785,762
839,859
(222,325)
(666,055)
34,272
(206,073)
(499,891)
53,427
149,411
249,411
289,411
0.00
0.00
0.00
0.00
0.00
0.00
584,747
(1,221,207)
2,644,114
686,408
984,973
1,893,779
35.34%
37.85%
46.02%
3.13%
3.62%
3.27%
-12.04%
-22.35%
1.98%
-0.99%
-2.66%
0.25%
0.65%
0.44%
1.92%
0.02
0.00
2.21%
64.66%
62.15%
53.98%
-3.70
-1.18
24.51
42.29%
41.77%
44.01%
6.12
9.49
2.05
-1.38
-2.00
0.18
8.91%
9.07%
0.06
35.92%
38.86%
51.84%
44.62%
44.42%
37.34%
88.33%
71.59%
71.03%
92.13%
88.23%
86.73%
52.73%
0.70
61.02%
52.59%
58.94%
51.42%
0.08
15.01%
20.47%
0.04
11.23%
13.87%
44.59%
63.08%
70.19%
42.44%
60.94%
17.55%
53.15%
74.85%
67.72%
8.25%
11.91%
12.64%
0.40
0.44
0.70
11.46
8.97
9.33
10.71
6.01
5.62
-2.84
2.44
49.49
2015
(Thousand Rupees)
2013
2014
2015
104,546,005
114,023,205
119,201,998
21,275,131
21,275,131
21,275,131
33,536,713
32,996,496
45,202,342
49,734,161
59,751,578
52,724,525
56,117,525
68,569,787
52,453,094
1,211,585,733
1,367,066,089
1,540,219,076
13,894,667
11,011,827
9,171,616
23,258,971
38,208,413
22,384,853
1,101,845,283
1,234,405,050
1,431,535,397
72,586,812
83,440,799
77,127,210
1,372,249,263
1,549,659,081
1,711,874,168
158,230,033
98,246,783
151,190,845
18,388,738
12,543,964
20,639,421
51,941,866
111,794,127
10,638,524
396,411,825
561,767,518
826,246,755
713,042,502
731,980,299
694,384,994
116,098,349
121,680,000
128,277,000
92,879,473
101,750,650
114,291,008
620,163,029
630,229,649
580,093,986
34,568,864
33,353,526
33,300,674
92,544,908
101,723,514
89,763,963
100,192,320
115,251,748
114,386,364
60,894,358
68,461,921
59,999,374
39,297,962
46,789,827
54,386,990
19,567,702
9,303,015
9,944,542
19,730,260
37,486,812
44,442,448
25,951,678
30,304,608
34,998,407
36,653,395
44,655,570
45,268,298
37,677,868
41,518,462
43,720,204
7,082,543
7,064,666
14,095,974
5,306,783
16,071,184
20,076,583
2,127,513
2,127,513
2,127,513
0.00
0.55%
0.75%
0.00
0.00
0.00
34,505,746
88,068,030
347,740,298
636,936,371
613,448,521
807,038,696
39.22%
0.41
47.55%
2.86%
3.02%
3.18%
5.08%
14.09%
16.84%
0.39%
1.04%
1.17%
1.89%
1.96%
2.04%
1.44%
2.42%
0.03
60.78%
0.59
52.45%
5.32
5.88
3.10
29.06%
30.68%
0.30
1.45
1.37
1.25
2.49
7.55
9.44
12.87%
7.15%
10.04%
28.89%
36.25%
48.27%
45.19%
40.67%
33.89%
80.29%
79.66%
83.62%
88.29%
88.22%
89.97%
64.71%
0.59
48.51%
63.38%
57.52%
47.76%
16.28%
16.62%
18.47%
13.03%
0.14
16.46%
111.05%
106.72%
107.61%
21.07%
9.14%
0.09
0.80
83.62%
0.89
7.62%
7.36%
6.96%
6.09
5.38
6.77
49.14
53.59
56.03
10.54
10.83
12.01
6.50
5.48
17.32
2015
(Thousand Rupees)
2013
2014
2015
11,702,080
12,777,454
14,013,963
10,000,000
10,000,000
10,000,000
460,647
676,543
925,638
1,241,433
2,100,911
3,088,325
(375,193)
1,324,940
759,640
63,705,567
110,769,086
113,330,311
362,522
399,591
288,681
16,758,368
46,076,636
27,160,697
45,756,220
61,884,036
83,920,800
828,457
2,408,823
1,960,133
75,032,454
124,871,480
128,103,914
3,518,863
5,066,350
5,297,618
190,823
537,713
1,086,079
4,036,358
12,665,492
1,450,000
36,785,844
59,466,891
69,644,245
26,564,842
41,184,703
44,169,089
26,564,842
41,184,703
44,169,089
1,766,303
1,811,990
1,901,601
2,169,421
4,138,341
4,555,282
6,329,381
8,932,332
10,129,122
4,071,643
5,496,985
5,648,204
2,257,738
3,435,347
4,480,918
17,292
19,078
2,520,355
2,240,446
3,416,269
1,960,563
859,651
956,465
3,491,838
2,146,697
2,761,048
3,377,497
2,141,712
2,740,050
3,368,124
953,400
1,611,686
2,074,904
665,904
1,079,479
1,245,476
1,000,000
1,000,000
1,000,000
0.00
0.00
0.00
0.00
0.00
0.00
(24,032,149)
22,133,894
12,116,388
47,201,513
80,967,344
53,768,127
35.67%
38.46%
44.24%
3.01%
2.75%
0.04
5.69%
8.45%
8.89%
0.89%
0.86%
0.97%
1.15%
0.77%
2.73%
2.99%
2.74%
1.53%
64.33%
61.54%
55.76%
2.25
1.70
1.62
29.86%
27.92%
0.25
2.49
2.86
0.96
0.67
1.08
1.25
4.94%
4.49%
4.98%
49.03%
47.62%
54.37%
0.35
32.98%
34.48%
60.98%
49.56%
65.51%
0.85
88.71%
88.47%
58.06%
66.55%
52.63%
42.49%
38.15%
39.76%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.16
10.23%
10.94%
4.03
6.34
3.84
11.70
12.78
14.01
3.91
4.84
5.99
-36.09
20.50
9.73
2015
(Thousand Rupees)
2013
2014
2015
11,912,791
13,210,811
13,972,998
10,000,000
10,002,524
10,002,524
1,170,871
1,430,231
1,788,074
741,920
1,778,056
2,182,400
644,006
1,708,761
1,944,578
95,613,371
111,186,683
139,241,157
521,035
586,407
504,884
15,157,773
14,192,181
17,130,194
77,217,733
92,263,694
117,292,012
2,716,830
4,144,401
4,314,067
108,170,168
126,106,255
155,158,733
4,068,678
4,110,957
5,546,796
3,813,251
2,509,508
6,513,497
7,500,301
2,100,000
13,205,156
53,363,163
72,431,445
88,296,124
38,339,031
43,242,574
40,137,147
3,856,641
4,756,683
5,132,863
2,888,830
3,185,404
3,683,536
35,450,201
40,057,170
36,453,611
1,604,464
1,641,054
1,924,825
2,370,110
3,256,121
3,218,724
7,406,787
9,750,676
10,869,473
4,335,682
6,210,111
6,441,550
3,071,105
3,540,565
4,427,923
82,381
234,645
580,542
2,988,724
3,305,920
3,847,381
691,672
1,066,070
1,799,422
2,011,166
2,471,467
2,688,171
1,970,355
2,420,493
2,821,196
1,669,230
1,900,523
2,958,632
1,154,029
1,309,420
1,789,214
1,000,000
1,000,252
1,000,252
0.00
0.00
0.13%
0.00
0.00
0.00
(3,775,791)
29,039,497
24,578,335
12,654,725
16,125,707
17,199,886
41.46%
36.31%
40.74%
2.84%
2.81%
2.85%
9.69%
9.91%
0.13
1.07%
1.04%
1.15%
0.64%
0.85%
1.16%
2.76%
2.62%
2.48%
58.54%
63.69%
59.26%
1.18
1.27
0.95
24.83%
22.85%
21.22%
2.85
2.27
1.57
1.15
1.31
1.79
7.29%
5.25%
7.77%
49.33%
57.44%
56.91%
32.77%
31.76%
23.49%
71.39%
73.16%
75.59%
88.39%
88.17%
89.74%
49.65%
46.87%
34.22%
0.42
40.62%
29.86%
10.06%
0.11
12.79%
7.53%
7.37%
9.18%
32.37%
36.01%
36.73%
2.85%
7.37%
15.76%
74.91%
66.97%
71.76%
11.01%
10.48%
9.01%
1.06
1.22
1.23
11.91
13.21
13.97
6.48
6.98
8.39
-3.27
22.18
13.74
2015
(Thousand Rupees)
2013
2014
2015
815,765
8,549,166
12,659,280
10,551,132
15,551,132
15,551,132
1,539,659
2,081,243
2,329,001
(11,275,026)
(9,083,209)
(5,220,853)
12,641,392
10,807,486
10,018,483
339,217,100
401,043,786
449,605,566
1,506,335
1,727,731
1,887,432
22,802,482
44,742,624
55,236,429
306,560,694
342,290,693
374,960,986
8,347,589
12,282,738
17,520,719
352,674,257
420,400,438
472,283,329
23,802,864
23,622,411
26,190,481
4,265,296
2,239,170
4,512,033
11,407,448
32,748,623
6,113,262
123,973,891
154,943,890
176,079,793
182,914,857
197,083,185
250,299,101
59,914,726
55,611,275
57,026,684
25,675,259
26,809,770
30,943,081
157,239,598
170,273,415
219,356,020
3,514,801
5,490,121
6,484,312
28,470,359
31,082,808
33,547,428
24,191,140
29,517,673
31,262,880
20,176,169
20,525,783
20,198,798
4,014,971
8,991,890
11,064,082
(650,900)
1,178,099
3,528,653
4,665,871
7,813,791
7,535,429
3,596,926
2,800,185
7,635,178
5,284,802
6,252,530
7,670,756
5,204,409
6,217,344
7,394,142
2,977,995
4,361,446
7,499,851
1,914,720
2,841,535
4,717,799
1,055,113
1,555,113
1,555,113
0.00
0.00
0.00
0.00
0.00
0.00
3,731,609
32,350,781
21,556,494
72,816,035
82,313,250
90,330,466
0.17
30.46%
35.39%
1.14%
2.14%
2.34%
234.71%
33.24%
37.27%
0.54%
0.68%
0.01
1.02%
0.67%
1.62%
1.32%
1.86%
0.02
0.83
69.54%
64.61%
1.75
1.43
0.99
19.02%
19.35%
19.72%
1.45
2.22
0.97
1.81
1.83
3.03
7.96%
6.15%
0.07
35.15%
36.86%
37.28%
44.58%
0.41
46.45%
86.92%
81.42%
79.39%
96.18%
0.95
0.95
59.67%
57.58%
66.75%
55.54%
50.92%
58.18%
32.76%
28.22%
22.78%
14.04%
0.14
12.36%
7344.61%
650.49%
450.47%
-2.54%
4.39%
0.11
42.85%
48.21%
54.26%
0.23%
2.03%
2.68%
89.26
9.63
7.14
0.77
5.50
8.14
375.80
40.04
29.62
1.95
11.38
4.57
2015
(Thousand Rupees)
2013
2014
2015
700,986,471
790,488,790
909,450,056
371,180,395
382,637,011
430,321,383
189,269,285
204,195,262
227,623,325
140,536,791
203,656,517
251,505,348
23,905,266
92,903,675
70,913,468
7,598,126,518
8,654,138,974
10,307,672,797
108,425,344
116,271,248
130,002,521
513,953,114
750,635,500
1,486,485,767
6,733,631,929
7,485,664,568
8,361,814,814
242,116,131
301,567,658
329,369,695
8,323,018,255
9,537,531,439
11,288,036,321
629,154,443
573,478,191
756,303,106
174,902,534
138,609,370
164,633,937
167,990,374
251,770,810
443,637,852
3,616,186,259
4,350,329,523
5,444,092,832
3,506,909,388
3,875,884,105
4,161,951,723
399,253,640
404,267,954
396,229,154
326,496,753
336,790,262
350,104,173
3,180,412,635
3,539,093,843
3,811,847,550
198,980,771
221,432,070
239,976,564
355,391,239
462,817,632
427,544,480
612,753,622
728,779,949
779,292,105
343,514,096
393,768,178
381,402,169
269,239,526
335,011,771
397,889,936
20,073,503
15,297,362
25,123,113
249,166,023
319,714,409
372,766,823
109,094,947
130,292,633
158,089,350
210,363,030
246,800,251
272,163,150
208,936,950
240,175,700
263,189,303
147,457,753
205,860,843
260,430,207
102,115,959
135,982,390
155,017,384
37,118,040
38,043,702
113,010,427
N/A
N/A
N/A
N/A
N/A
N/A
343,035,795
519,001,016
1,379,417,262
3,654,682,450
3,700,611,408
4,475,648,224
43.94%
45.97%
51.06%
3.23%
3.51%
3.52%
14.57%
0.17
17.05%
1.23%
1.43%
1.37%
1.31%
1.37%
0.01
2.99%
3.35%
0.03
56.06%
54.03%
48.94%
1.42
1.17
1.01
29.14%
28.73%
29.03%
1.92
1.84
1.66
2.75
3.57
1.37
9.66%
7.47%
8.16%
43.45%
45.61%
48.23%
38.21%
37.11%
33.77%
0.81
78.49%
74.08%
91.29%
90.74%
91.32%
52.08%
51.78%
49.77%
48.39%
47.06%
42.26%
11.38%
10.43%
9.52%
9.31%
8.69%
8.41%
56.96%
51.14%
43.57%
6.15%
4.54%
7.18%
81.78%
83.31%
88.36%
8.42%
8.29%
8.06%
5.21
4.68
4.92
18.89
20.78
8.05
9.61
9.47
9.19
3.36
3.82
8.90
2015
(Thousand Rupees)
2013
2014
2015
6,598,050
6,722,476
6,959,238
8,935,200
8,935,200
8,935,200
82,074
111,259
159,348
(2,419,224)
(2,323,983)
(2,135,310)
(749,857)
(821,166)
(686,001)
81,911,211
88,447,470
80,659,273
725,609
679,810
883,698
2,201,945
2,211,568
2,108,255
75,647,097
80,222,579
71,644,386
3,336,560
5,333,513
6,022,934
87,759,404
94,348,780
86,932,510
5,727,407
6,465,268
10,847,429
16,565,377
3,741,342
1,560,544
10,005,950
3,911,763
22,161,963
19,560,668
15,278,354
39,313,763
49,834,281
50,548,142
5,248,051
4,176,617
4,042,561
2,793,818
2,811,703
2,903,452
36,519,945
47,022,578
47,644,690
2,725,753
2,667,194
2,671,911
4,058,959
4,885,780
5,017,819
6,131,232
6,682,974
6,269,086
4,340,094
4,513,250
3,790,618
1,791,138
2,169,724
2,478,468
171,133
85,244
(125,442)
1,620,005
2,084,480
2,603,910
593,530
726,500
656,344
2,247,137
2,594,392
2,853,645
2,118,613
2,545,583
2,848,910
(33,602)
216,588
406,609
(41,231)
145,923
240,446
893,520
893,520
893,520
0.00
0.00
0.00
0.00
0.00
0.00
5,672,633
(18,149,262)
(949,341)
17,008,199
18,906,867
15,603,136
29.21%
32.47%
39.53%
2.04%
0.02
2.85%
-0.62%
2.17%
3.46%
-0.05%
0.15%
0.28%
0.68%
0.77%
0.76%
1.85%
2.21%
0.03
70.79%
67.53%
60.47%
-63.05
11.75
7.01
33.42%
35.01%
41.21%
3.57
3.50
4.34
-0.05
0.16
0.27
0.25
10.82%
14.27%
25.25%
20.73%
17.57%
41.61%
49.84%
54.81%
0.86
85.03%
82.41%
93.34%
93.75%
92.78%
51.97%
62.12%
70.55%
0.51
60.45%
68.54%
13.35%
8.38%
0.08
7.11%
5.64%
5.74%
79.54%
62.13%
58.09%
6.13%
3.03%
-4.32%
53.24%
67.32%
71.82%
7.52%
7.13%
8.01%
2.58
2.81
2.24
7.38
7.52
7.79
11.47
11.93
10.29
-137.58
-124.38
-3.95
2015
(Thousand Rupees)
2013
2014
2015
54,191,068
62,728,275
68,837,105
10,409,763
11,450,739
11,450,739
12,438,158
13,549,355
15,102,026
31,343,147
37,728,181
42,284,340
12,494,537
18,836,540
21,287,810
668,076,210
761,532,751
902,614,332
4,878,594
4,831,801
4,942,189
32,952,406
66,096,472
137,959,818
608,406,629
667,863,871
734,546,015
21,838,581
22,740,607
25,166,310
734,761,815
843,097,566
992,739,247
44,673,129
41,252,303
56,711,623
1,102,237
873,500
4,077,613
12,461,403
2,030,062
3,628,366
363,810,550
429,397,275
544,833,263
285,410,673
325,868,449
340,812,197
19,423,896
22,921,542
21,903,729
18,374,552
19,810,564
19,164,266
267,036,121
306,057,885
321,647,931
22,096,771
27,270,823
28,869,612
23,581,604
36,215,718
32,970,839
54,223,499
67,003,172
72,118,859
32,562,330
38,830,336
35,966,922
21,661,169
28,172,836
36,151,937
564,943
1,609,307
1,524,368
21,096,226
26,563,529
34,627,569
9,950,599
13,185,064
10,309,483
16,115,545
17,316,017
19,161,471
15,675,537
17,162,112
18,464,116
14,931,280
22,432,576
25,755,581
14,783,175
15,202,000
15,314,275
1,040,976
1,145,074
1,145,074
0.53
0.65%
0.01
0.10
0.00
0.00
96,323,230
57,513,746
148,497,943
271,936,676
196,395,364
222,773,404
39.95%
42.05%
50.13%
2.95%
3.34%
3.64%
27.28%
24.23%
22.25%
2.01%
0.02
1.54%
1.35%
1.56%
1.04%
2.87%
3.15%
3.49%
60.05%
57.95%
49.87%
1.05
0.77
0.72
25.11%
21.59%
23.25%
1.58
1.30
1.79
14.20
13.28
13.37
6.23%
0.05
6.12%
49.51%
50.93%
54.88%
36.34%
0.36
0.32
0.83
79.22%
73.99%
90.92%
90.33%
90.92%
46.91%
48.79%
0.46
0.45
0.44
39.06%
6.81%
7.03%
6.43%
6.44%
6.08%
5.62%
35.84%
36.54%
31.82%
3.07%
8.12%
7.95%
0.95
86.43%
87.49%
7.38%
7.44%
6.93%
5.02
3.13
3.24
52.06
54.78
60.12
11.23
10.65
10.67
6.52
3.78
9.70
2015
(Thousand Rupees)
2013
2014
2015
16,844,299
19,576,369
21,997,071
12,602,602
12,602,602
12,602,602
5,612,416
4,823,738
6,445,888
(1,370,719)
2,150,029
2,948,581
2,127,210
4,449,598
5,076,719
376,125,252
423,585,734
509,114,950
5,687,542
6,855,020
6,094,885
24,545,879
13,742,030
57,323,250
335,173,378
387,534,873
433,130,465
10,718,453
15,453,811
12,566,350
395,096,761
447,611,701
536,188,740
26,104,835
19,130,113
29,685,228
9,124,531
7,121,128
8,358,930
2,503,206
3,427,753
812,898
165,897,833
217,213,560
268,048,928
192,174,870
198,851,228
228,418,735
33,119,829
31,375,729
31,483,717
28,618,241
28,169,065
28,482,186
163,556,629
170,682,163
199,936,549
8,623,409
8,350,849
9,278,150
19,286,318
21,686,135
20,068,057
27,961,790
34,621,111
36,593,889
19,363,025
22,712,353
21,688,045
8,598,765
11,908,758
14,905,844
11,010,870
321,978
879,052
(2,412,105)
11,586,780
14,026,792
3,773,640
5,644,145
6,780,096
9,708,872
11,406,929
12,469,796
9,566,692
11,234,277
12,202,734
(8,323,331)
5,869,091
8,337,092
(5,377,240)
4,093,724
4,943,987
1,260,260
1,260,260
1,260,260
0.00
0.00
0.23%
0.00
0.00
0.00
22,948,292
36,608,455
67,460,043
300,867,003
243,258,420
291,779,594
30.75%
0.34
40.73%
2.18%
2.66%
2.78%
-31.92%
20.91%
22.48%
-1.36%
0.91%
0.92%
0.96%
1.26%
1.26%
-0.61%
2.59%
2.62%
69.25%
0.66
59.27%
-1.15
1.91
1.46
30.59%
28.33%
28.75%
2.54
1.99
1.80
-4.27
3.25
3.92
8.92%
5.86%
0.07
41.99%
48.53%
49.99%
0.41
38.13%
37.29%
84.83%
86.58%
80.78%
0.95
94.63%
94.95%
57.34%
51.31%
52.74%
53.42%
49.55%
46.57%
17.23%
15.78%
13.78%
14.89%
14.17%
12.47%
196.62%
160.27%
143.13%
38.48%
1.14%
3.09%
86.41%
89.78%
90.47%
4.26%
4.37%
0.04
17.86
12.43
13.26
13.37
15.53
17.45
19.90
19.80
19.69
-4.27
8.94
13.64
2015
(Thousand Rupees)
2013
2014
2015
23,377,134
27,787,510
31,858,092
10,103,868
11,114,254
11,114,254
7,569,407
8,760,911
10,329,233
5,703,859
7,912,345
10,414,605
2,204,100
5,239,053
6,333,442
435,440,679
546,283,877
601,832,280
6,173,102
7,984,808
8,665,462
29,480,026
78,455,452
62,592,299
386,098,828
446,311,464
516,197,547
13,688,723
13,532,153
14,376,972
461,021,913
579,310,440
640,023,814
32,199,552
34,201,844
38,577,760
2,664,729
4,352,769
3,204,284
5,818,072
239,986,042
331,737,516
355,081,488
173,652,265
187,973,099
214,272,507
3,699,903
5,024,778
5,874,374
6,083,195
6,615,999
8,413,650
167,569,070
181,357,100
205,858,857
11,815,577
13,917,781
15,782,394
6,786,943
13,743,430
15,700,959
37,254,862
44,007,124
50,310,263
22,993,817
24,933,172
25,475,557
14,261,045
19,073,952
24,834,706
479,791
558,452
1,965,335
13,781,254
18,515,500
22,869,371
3,989,957
3,949,871
4,486,469
10,218,355
12,462,132
15,090,191
10,050,407
12,249,905
14,749,244
7,552,856
10,003,239
12,265,649
5,198,257
6,436,370
7,331,752
1,010,387
1,111,425
1,111,425
0.20
0.00
0.35%
0.10
0.00
0.00
(7,787,747)
98,072,605
31,611,638
142,357,354
180,944,658
221,070,043
38.28%
43.34%
49.36%
3.09%
3.29%
3.88%
22.24%
23.16%
23.01%
1.13%
1.11%
1.15%
0.87%
0.68%
0.01
2.99%
0.03
3.57%
61.72%
56.66%
50.64%
1.33
1.22
1.20
24.77%
25.99%
27.54%
2.52
3.10
3.29
5.14
5.79
6.60
7.56%
6.66%
6.53%
52.06%
57.26%
55.48%
36.35%
31.31%
32.16%
83.75%
77.04%
80.65%
94.45%
0.94
94.03%
44.98%
42.12%
41.51%
41.79%
35.82%
37.02%
2.13%
2.67%
2.74%
0.04
3.52%
3.93%
15.83%
18.08%
18.44%
7.89%
8.44%
23.36%
164.41%
131.67%
143.23%
5.07%
0.05
4.98%
6.09
6.51
6.94
23.14
25.00
28.66
16.52
16.06
16.20
-1.50
15.24
4.31
2015
(Thousand Rupees)
2013
2014
2015
28,265,616
38,302,325
42,875,670
13,491,563
15,872,427
15,898,062
7,274,222
12,338,026
14,164,120
7,499,831
10,091,872
12,813,488
3,636,128
7,265,239
11,217,066
579,525,880
698,391,235
849,323,021
9,543,480
11,758,155
9,733,929
23,115,102
55,232,916
172,393,198
525,525,770
605,956,904
640,137,161
21,341,528
25,443,260
27,058,733
611,427,624
743,958,799
903,415,757
61,204,697
50,515,645
62,368,827
34,764,008
12,334,368
16,583,138
2,522,022
18,313,485
53,628,870
219,690,369
324,960,872
397,516,448
273,827,297
304,819,549
343,492,379
17,946,629
19,412,623
18,455,759
13,047,447
14,251,170
16,192,819
260,779,850
290,568,379
327,299,560
14,835,200
15,796,592
17,317,691
17,631,478
31,469,458
28,701,223
43,961,060
55,374,052
61,424,713
27,066,229
33,494,344
32,810,469
16,894,831
21,879,708
28,614,244
1,053,648
1,533,833
2,286,900
15,841,183
20,345,875
26,327,344
8,278,694
9,136,360
9,102,814
17,312,666
20,804,878
22,772,986
17,288,779
20,201,113
22,119,740
6,807,211
8,677,357
12,657,172
4,675,950
5,787,463
7,514,329
1,349,156
1,587,243
1,589,806
0.20
0.00
0.00
0.00
0.00
0.00
44,687,658
51,362,035
103,024,345
175,384,351
229,830,360
420,610,750
38.43%
39.51%
46.58%
2.76%
2.94%
3.17%
16.54%
15.11%
17.53%
0.76%
0.78%
0.83%
1.35%
1.23%
1.01%
2.59%
2.73%
2.91%
61.57%
60.49%
53.42%
2.54
2.33
1.75
33.14%
32.25%
32.29%
2.09
2.21
2.43
3.47
3.65
4.73
0.16
8.45%
8.74%
35.93%
43.68%
0.44
42.65%
39.06%
36.23%
85.95%
81.45%
70.86%
94.78%
93.87%
94.01%
52.11%
0.50
53.66%
49.91%
0.46
42.27%
6.55%
6.37%
5.37%
4.76%
4.68%
4.71%
63.49%
50.68%
43.04%
8.08%
10.76%
14.12%
0.73
73.41%
87.74%
4.62%
5.15%
4.75%
6.20
6.00
9.81
20.95
24.13
26.97
18.59
15.82
14.93
9.56
8.87
13.71
2015
(Thousand Rupees)
2013
2014
2015
5,517,324
6,301,246
10,545,002
5,279,679
5,758,721
10,079,121
210,446
542,525
465,881
27,199
728,559
571,563
939,233
80,555,055
95,119,108
163,064,802
835,562
918,435
1,523,933
2,538,000
561,000
3,197,770
75,169,991
90,330,870
152,661,140
2,011,502
3,308,803
5,681,959
86,800,938
101,991,917
174,549,037
4,883,483
6,361,444
9,035,889
1,018,717
847,890
2,016,267
6,511,173
18,143,574
39,855,525
31,429,302
30,511,422
35,801,058
38,932,046
41,698,116
82,966,830
1,108,871
1,061,929
15,230,980
623,313
601,058
13,538,752
38,308,733
41,097,058
69,428,078
2,966,620
3,387,282
5,659,689
1,682,910
1,643,247
12,752,531
6,290,316
7,819,383
8,831,175
3,781,106
4,456,040
5,098,501
2,509,210
3,363,343
3,732,674
122,746
(21,013)
(633,912)
2,386,464
3,384,356
4,366,586
454,204
632,103
571,940
2,528,129
3,546,581
5,222,504
2,493,897
3,471,672
5,058,057
312,539
469,878
(163,630)
188,810
313,440
(87,385)
527,968
575,872
1,007,912
0.00
0.00
0.00
0.00
0.00
0.00
3,154,388
868,221
(29,557,498)
10,214,720
9,557,441
29,021,728
39.89%
43.01%
42.27%
2.89%
0.03
2.14%
3.42%
4.97%
-0.83%
0.22%
0.31%
-0.05%
0.52%
0.62%
0.33%
2.75%
3.32%
0.03
60.11%
56.99%
57.73%
7.98
7.39
-30.91
37.48%
41.96%
55.54%
5.49
5.49
8.84
0.36
0.54
-0.09
0.07
7.07%
6.33%
36.21%
29.92%
20.51%
44.13%
40.29%
39.78%
0.87
88.57%
87.46%
0.93
93.26%
93.42%
51.79%
46.16%
54.35%
0.50
45.88%
53.23%
2.85%
2.55%
18.36%
0.02
1.44%
16.32%
0.20
16.85%
144.44%
19.69%
-0.04
-4.68%
56.21%
0.57
88.89%
6.36%
6.18%
6.04%
1.85
1.52
2.75
10.45
10.94
10.46
13.62
14.34
14.48
16.71
2.77
338.24
2015
(Thousand Rupees)
2013
2014
2015
5,299,031
4,827,254
4,427,650
8,167,527
8,167,527
8,167,527
2,030
2,030
2,030
(2,870,526)
(3,342,303)
(3,741,907)
62,177
(23,535)
(38,720)
48,027,855
29,286,807
28,347,144
507,471
318,887
267,440
3,052,474
1,795,000
1,268,359
42,697,675
25,808,867
25,637,406
1,770,235
1,364,053
1,173,939
53,389,063
34,090,526
32,736,074
2,751,089
2,411,487
3,586,010
1,056,489
81,779
126,046
7,689,704
800,000
9,226,189
8,164,801
6,652,065
30,481,081
21,608,703
19,567,541
1,758,223
1,813,094
1,476,745
1,525,955
1,648,256
1,488,333
28,955,126
19,960,447
18,079,208
1,057,349
854,673
675,308
2,653,117
2,617,339
2,817,437
3,698,464
4,265,544
2,528,224
2,746,105
2,951,435
1,394,821
952,359
1,314,109
1,133,403
821,404
110,780
(30,179)
130,955
1,203,329
1,163,582
613,408
468,533
458,358
2,483,137
2,286,661
2,102,409
2,474,739
2,272,301
2,100,134
(1,738,774)
(614,799)
(480,469)
(1,133,026)
(471,777)
(399,604)
816,753
816,753
816,753
0.00
0.00
0.00
0.00
0.00
0.00
(774,193)
(10,395,379)
401,627
3,010,035
3,398,746
2,946,096
25.75%
30.81%
44.83%
1.78%
3.85%
3.46%
-21.38%
-9.77%
-9.03%
-2.12%
-1.38%
-1.22%
1.15%
1.37%
0.01
0.25%
3.53%
3.55%
74.25%
69.19%
55.17%
-1.42
-3.70
-4.37
57.59%
0.48
0.70
4.03
4.85
4.58
-1.39
-0.58
-0.49
7.13%
7.31%
11.34%
17.28%
23.95%
20.32%
54.23%
58.55%
55.23%
79.97%
75.71%
78.32%
89.96%
85.91%
86.59%
71.39%
83.73%
76.32%
66.63%
78.28%
72.73%
5.77%
8.39%
7.55%
5.01%
7.63%
7.61%
33.18%
37.56%
33.35%
53.83%
6.72%
-2.03%
86.79%
90.91%
100.78%
9.93%
14.16%
13.53%
0.57
0.70
0.67
6.49
5.91
5.42
8.06
5.35
5.79
0.68
22.03
-1.01
2015
(Thousand Rupees)
2013
2014
2015
6,929,614
7,530,265
7,962,751
6,976,030
6,976,030
6,976,030
27,372
147,475
233,586
(73,788)
406,760
753,135
32,819
(91,184)
12,916
73,294,179
94,113,918
149,117,518
1,208,862
1,250,385
1,552,219
2,938,000
3,567,342
4,551,920
67,639,224
83,844,395
136,743,457
1,508,093
5,451,796
6,269,922
80,256,612
101,552,999
157,093,185
5,291,178
10,480,052
14,183,630
1,840,378
529,277
3,869,403
9,740,822
10,147,169
11,725,145
25,044,279
18,258,604
18,515,808
36,758,909
60,350,331
106,650,974
2,602,630
2,368,756
2,211,992
1,218,523
1,510,051
1,697,337
35,540,386
58,840,280
104,953,637
1,454,910
1,751,032
1,842,705
1,344,659
1,546,585
2,002,857
5,776,631
7,523,271
8,725,646
2,662,743
3,433,969
4,091,219
3,113,888
4,089,302
4,634,427
456,762
291,528
187,286
2,657,126
3,797,774
4,447,141
743,300
1,116,990
1,274,455
3,188,529
3,989,233
5,009,874
3,182,536
3,972,258
4,987,933
211,897
925,531
711,722
136,860
600,513
430,555
697,603
697,603
697,603
0.00
0.00
0.00
0.00
0.00
0.00
1,263,349
(5,389,925)
7,475,459
15,532,819
20,122,810
47,571,145
0.54
54.36%
53.11%
3.88%
4.03%
2.95%
1.98%
7.97%
5.41%
0.17%
0.59%
0.27%
0.93%
0.01
0.81%
3.31%
3.74%
2.83%
0.46
45.64%
46.89%
15.02
4.29
7.01
0.49
46.17%
0.50
4.28
3.56
3.91
0.20
0.86
0.62
8.89%
10.84%
11.49%
31.21%
17.98%
11.79%
44.28%
57.94%
66.81%
84.28%
82.56%
87.05%
91.32%
92.67%
94.92%
54.35%
71.98%
77.99%
52.08%
69.04%
75.48%
7.08%
3.93%
2.07%
3.31%
0.03
1.59%
37.56%
31.46%
27.78%
37.48%
19.31%
11.03%
46.82%
63.75%
76.73%
8.63%
7.42%
5.07%
2.24
2.67
5.97
9.93
10.79
11.41
9.76
11.13
17.17
9.23
-8.98
17.36
2015
(Thousand Rupees)
2013
2014
2015
20,587,722
21,832,218
26,058,692
10,432,697
10,432,697
11,997,601
6,554,197
5,703,155
6,422,761
3,600,828
5,696,366
7,638,330
1,578,471
4,470,358
4,293,781
333,113,514
361,823,208
399,720,387
4,968,610
5,347,774
6,009,238
45,446,528
60,926,863
90,565,242
271,134,303
283,345,739
292,130,258
11,564,073
12,202,832
11,015,649
355,279,707
388,125,784
430,072,860
28,422,497
20,285,851
26,084,007
1,011,980
1,422,699
1,068,451
300,000
12,088,403
113,319,478
155,210,513
183,677,239
204,343,186
204,676,072
202,543,304
27,618,619
29,293,320
30,328,854
20,152,882
23,451,267
24,464,220
184,190,304
181,224,805
178,079,084
10,250,910
11,543,356
11,342,980
17,784,538
18,438,560
17,732,696
27,790,468
32,312,633
32,312,553
16,945,315
18,480,191
18,357,971
10,845,153
13,832,442
13,954,582
2,116,394
2,358,837
1,393,460
8,728,759
11,473,605
12,561,122
4,526,184
4,374,169
5,564,340
11,100,821
12,295,244
11,198,383
11,079,122
12,162,034
10,591,053
2,160,779
3,551,785
6,920,077
1,849,906
2,476,959
4,222,364
1,043,270
1,043,270
1,199,760
0.00
0.00
0.00
0.13
0.15%
0.00
28,733,100
13,478,745
55,375,256
157,612,835
168,037,476
182,683,443
39.02%
42.81%
43.19%
3.05%
3.56%
3.24%
8.99%
11.35%
0.16
0.52%
0.64%
0.98%
1.27%
1.13%
1.29%
2.46%
2.96%
2.92%
60.98%
57.19%
56.81%
5.13
3.42
1.53
34.35%
33.51%
29.57%
2.45
2.78
1.90
1.77
2.37
3.52
8.28%
5.59%
6.31%
0.32
39.99%
42.71%
51.84%
46.69%
41.41%
76.32%
0.73
67.93%
93.76%
93.22%
92.94%
75.37%
72.24%
69.33%
64.55%
59.45%
52.93%
13.52%
14.31%
14.97%
9.86%
11.46%
12.08%
134.15%
134.17%
116.39%
0.11
10.06%
0.06
72.97%
80.06%
80.66%
5.79%
5.63%
6.06%
7.66
7.70
7.01
19.73
20.93
21.72
13.17
12.98
11.21
15.53
5.44
13.11
2015
(Thousand Rupees)
2013
2014
2015
130,634,311
146,933,769
158,352,123
13,335,023
14,668,525
14,668,525
43,550,373
43,550,188
47,188,150
73,748,915
88,715,056
96,495,448
11,799,943
22,661,331
24,267,928
1,572,837,124
1,695,022,596
2,035,802,734
19,422,316
21,989,658
28,081,548
107,864,424
103,411,114
314,319,099
1,401,229,814
1,524,644,784
1,634,944,470
44,320,570
44,977,040
58,457,617
1,715,271,378
1,864,617,696
2,218,422,785
135,476,687
135,276,934
167,250,988
57,341,769
67,284,700
40,469,761
35,271,477
34,313,560
44,318,411
826,062,308
922,691,101
1,244,887,008
630,422,452
661,476,053
702,561,836
79,876,753
79,572,466
76,792,159
66,721,715
66,180,877
69,179,212
563,700,737
595,295,176
633,382,624
25,706,315
27,309,803
31,341,509
71,712,085
82,446,422
56,772,484
120,604,554
137,415,798
144,232,475
65,207,109
68,832,702
66,063,699
55,397,445
68,583,096
78,168,776
1,399,859
1,233,911
4,507,906
53,997,586
67,349,185
73,660,870
18,941,499
23,425,248
36,583,965
36,805,757
42,524,152
49,958,597
36,109,857
41,254,445
48,400,384
36,133,328
48,250,281
60,286,238
23,027,095
31,482,566
35,101,591
1,333,502
1,466,852
1,466,852
0.01
0.01
0.01
0.00
0.00
0.00
30,005,631
93,306,629
313,931,490
768,050,018
599,959,540
649,269,633
45.93%
49.91%
0.54
3.23%
3.68%
3.52%
17.63%
21.43%
22.17%
1.34%
1.69%
1.58%
0.01
1.26%
1.65%
3.15%
3.61%
3.32%
54.07%
50.09%
0.46
1.00
0.86
0.80
26.38%
26.44%
27.63%
1.91
1.76
1.32
17.27
21.46
23.93
11.24%
10.86%
9.36%
48.16%
49.48%
56.12%
32.86%
31.93%
28.55%
81.69%
81.77%
0.74
0.92
0.91
91.77%
44.99%
43.39%
42.97%
41.77%
40.63%
36.04%
12.67%
12.03%
10.93%
10.58%
10.01%
9.85%
61.15%
54.16%
48.49%
0.02
1.86%
6.52%
83.53%
83.17%
90.09%
7.62%
7.88%
7.14%
5.88
4.08
4.10
97.96
100.17
107.95
10.73
10.38
10.32
1.30
2.96
8.94
2015
(Thousand Rupees)
2013
2014
2015
27,365,571
30,216,977
33,154,231
10,478,315
10,478,315
10,478,315
10,193,511
11,178,823
12,710,010
6,693,745
8,559,839
9,965,906
619,712
4,552,154
3,708,006
283,410,354
362,905,686
453,023,398
3,982,213
5,201,482
6,344,461
23,057,002
24,883,982
31,462,822
247,507,718
319,948,274
403,208,597
8,863,421
12,871,948
12,007,518
311,395,637
397,674,817
489,885,635
21,208,774
18,640,853
30,645,728
3,552,694
1,870,331
13,807,806
3,408,776
14,444,641
142,327,147
221,644,817
280,910,946
144,143,950
150,739,188
150,076,425
16,973,536
19,325,134
18,486,982
14,310,013
15,988,542
17,429,586
129,833,937
134,750,646
132,646,839
3,035,526
3,025,426
3,125,478
11,437,559
14,333,968
14,304,197
24,641,671
32,288,259
36,860,192
15,569,764
21,078,626
22,460,706
9,071,907
11,209,633
14,399,486
2,109,230
1,778,579
2,225,962
6,962,677
9,431,054
12,173,524
4,819,725
5,766,220
9,248,606
6,665,108
7,861,135
8,856,702
6,519,316
7,406,393
8,501,276
5,117,294
7,336,139
12,565,428
3,526,768
4,942,150
7,673,483
1,047,831
1,047,831
1,047,831
0.20
0.25%
0.00
0.00
0.00
0.00
(10,830,851)
71,243,361
89,904,152
94,166,186
294,184,739
260,589,994
36.82%
34.72%
39.07%
2.91%
2.82%
2.94%
12.89%
16.36%
23.14%
1.13%
1.24%
1.57%
1.55%
1.45%
1.89%
2.24%
2.37%
2.48%
63.18%
65.28%
60.93%
1.27
1.01
0.68
22.62%
20.66%
19.21%
1.35
1.28
0.92
3.37
4.72
7.32
7.95%
5.16%
9.07%
45.71%
55.74%
57.34%
41.69%
33.88%
27.08%
79.48%
80.45%
82.31%
91.01%
91.26%
92.48%
58.24%
47.11%
37.22%
53.28%
43.71%
34.53%
11.78%
12.82%
12.32%
9.93%
10.61%
11.61%
62.03%
63.95%
55.76%
14.74%
11.12%
12.77%
84.31%
82.73%
94.28%
8.79%
0.08
6.77%
3.44
9.74
7.86
26.12
28.84
31.64
9.04
10.59
12.16
-3.07
14.42
11.72
2015
(Thousand Rupees)
2013
2014
2015
11,026,877
12,623,347
14,709,607
10,724,643
10,724,643
10,724,643
301,698
513,706
918,815
536
1,384,998
3,066,149
280,691
3,573,222
4,298,538
103,441,191
163,184,542
201,798,541
1,414,793
1,380,020
1,609,425
20,150,846
50,537,973
54,638,318
80,055,276
107,429,838
140,355,175
1,820,276
3,836,711
5,195,623
114,748,759
179,381,111
220,806,686
7,775,070
9,041,590
11,160,169
542,126
433,697
629,407
21,585,799
11,080,242
3,581,329
43,855,194
85,761,502
116,884,984
35,170,193
64,501,672
79,402,045
2,758,377
2,812,617
2,982,825
1,401,185
2,058,819
2,723,181
33,769,008
62,442,853
76,678,864
3,750,784
3,912,851
4,731,135
3,470,778
6,708,376
7,140,798
6,969,555
11,253,707
15,464,522
4,512,561
7,184,674
9,680,803
2,456,994
4,069,033
5,783,719
264,434
420,649
718,153
2,192,560
3,648,384
5,065,566
2,597,327
3,576,927
4,297,481
3,712,043
4,636,326
5,595,105
3,647,837
4,531,755
5,517,631
1,077,844
2,588,985
3,767,942
837,764
1,898,267
2,465,324
1,072,464
1,072,464
1,072,464
0.00
0.00
0.00
0.00
0.00
0.00
(21,256,836)
38,984,313
35,001,480
22,645,445
37,990,149
42,740,921
35.25%
36.16%
0.37
2.14%
2.27%
2.62%
0.08
15.04%
16.76%
0.73%
1.06%
1.12%
2.26%
1.99%
1.95%
1.91%
2.03%
2.29%
64.75%
63.84%
0.63
3.38
1.75
1.46
0.39
31.26%
28.31%
1.40
1.27
1.28
0.78
1.77
2.30
7.25%
5.28%
5.34%
38.22%
47.81%
52.94%
29.43%
34.81%
34.73%
69.77%
59.89%
63.56%
90.15%
90.97%
91.39%
43.93%
60.04%
56.57%
0.35
40.83%
40.72%
7.84%
4.36%
3.76%
3.98%
3.19%
3.43%
25.02%
22.28%
20.28%
18.87%
20.43%
26.37%
0.51
0.73
0.91
9.61%
7.04%
6.66%
2.05
3.01
2.91
10.28
11.77
13.72
7.26
8.51
9.54
-25.37
20.54
14.20
2015
(Thousand Rupees)
2013
2014
2015
100,165,491
110,095,383
115,253,059
10,118,461
11,130,307
11,130,307
47,008,936
49,200,045
51,491,384
43,038,094
49,765,031
52,631,368
15,297,304
26,173,823
26,923,561
705,815,509
805,337,280
878,803,401
10,138,726
16,627,700
11,975,237
38,660,045
59,776,578
118,615,031
632,309,094
688,270,091
706,239,715
24,707,644
40,662,911
41,973,418
821,278,304
941,606,486
1,020,980,021
59,946,218
46,753,868
61,265,859
1,594,660
3,063,774
10,058,662
1,224,638
1,418,181
5,132,480
453,808,345
516,898,299
564,299,568
268,471,085
322,759,237
333,815,192
23,267,733
21,907,791
20,369,225
19,949,293
18,758,674
18,504,335
248,521,792
304,000,563
315,310,857
29,005,931
31,583,646
32,997,385
27,176,720
37,888,155
31,915,210
65,186,388
77,411,189
80,726,402
27,219,433
33,770,144
31,171,853
37,966,955
43,641,045
49,554,549
(2,835,617)
(1,940,876)
545,471
40,802,572
45,581,921
49,009,078
11,476,528
13,261,131
17,063,031
19,975,891
22,070,801
24,079,076
19,099,222
21,014,641
22,986,683
32,932,070
37,354,022
42,788,640
21,950,141
24,774,446
25,035,112
1,011,846
1,113,031
1,113,031
1.40
0.01
0.02
0.10
0.00
0.00
69,902,015
53,182,280
86,755,111
113,035,372
226,553,852
320,885,412
58.24%
56.38%
61.39%
4.62%
4.63%
4.85%
21.91%
0.23
21.72%
2.67%
2.63%
2.45%
0.01
1.41%
1.67%
4.97%
4.84%
0.05
41.76%
43.62%
38.61%
0.58
0.56
0.54
26.06%
24.34%
24.62%
1.66
1.58
1.35
21.69
22.26
22.49
7.49%
5.29%
6.99%
55.26%
0.55
55.27%
30.26%
32.29%
30.88%
76.99%
0.73
69.17%
85.94%
85.53%
86.07%
42.46%
46.89%
47.27%
40.01%
43.15%
40.47%
8.67%
6.79%
0.06
7.43%
5.81%
5.54%
23.23%
0.20
17.67%
-14.21%
-10.35%
2.95%
85.74%
85.63%
90.84%
0.12
11.69%
11.29%
1.13
2.06
2.78
98.99
98.91
103.55
6.31
6.25
6.13
3.18
2.15
3.47
2015
(Thousand Rupees)
2013
2014
2015
17,908,150
23,274,720
25,556,784
10,027,379
10,027,379
10,027,379
3,551,297
7,288,754
8,587,363
4,329,474
5,958,587
6,942,042
1,005,093
615,610
790,326
310,811,388
413,619,938
505,502,824
3,614,718
5,619,826
6,560,324
11,375,498
15,465,418
13,609,551
289,810,519
380,421,569
471,820,959
6,010,653
12,113,125
13,511,990
329,724,631
437,510,268
531,849,934
28,582,626
29,728,764
43,685,636
3,554,234
5,501,077
11,175,060
7,442,732
90,766,297
170,474,422
151,613,933
114,089,252
76,909,951
133,474,709
183,285,548
215,775,663
4,840,756
6,912,378
7,064,382
5,851,841
7,573,606
8,206,840
127,622,868
175,711,942
207,568,823
5,594,914
6,273,239
8,056,743
5,313,324
15,439,697
13,979,299
23,171,018
28,803,059
33,113,741
12,526,169
15,440,250
14,897,149
10,644,849
13,362,809
18,216,592
93,382
466,504
563,174
10,551,467
12,896,305
17,653,418
3,501,450
4,754,884
4,596,720
8,406,253
10,752,655
13,798,885
8,286,114
10,459,934
13,560,648
5,646,664
6,896,534
8,451,253
3,956,776
4,570,086
5,022,509
1,002,738
1,002,738
1,002,738
0.15
0.00
0.00
0.00
0.00
10,928,315
(44,417,274)
(16,707,714)
160,936,492
262,532,165
295,818,369
45.94%
46.39%
55.01%
3.23%
3.05%
3.43%
22.09%
19.64%
19.65%
0.01
1.04%
0.94%
1.06%
1.09%
0.86%
0.03
2.95%
3.32%
54.06%
53.61%
44.99%
1.47
1.52
1.60
31.52%
32.04%
36.59%
2.37
2.20
2.95
3.95
4.56
5.01
9.75%
8.05%
10.32%
45.98%
26.08%
14.46%
38.71%
40.16%
39.03%
87.89%
86.95%
88.71%
94.26%
94.54%
95.05%
46.06%
48.18%
45.73%
44.32%
0.46
44.45%
3.63%
3.77%
3.27%
4.38%
4.13%
0.04
27.03%
0.30
27.64%
0.02
6.16%
6.86%
120.89%
109.57%
116.17%
5.43%
5.32%
4.81%
8.99
11.28
11.57
17.86
23.21
25.49
16.18
16.34
18.46
2.76
-9.72
-3.33
2015
(Thousand Rupees)
2013
2014
2015
61,786,345
61,070,295
63,609,976
103,028,512
103,028,512
103,028,512
474,123
474,123
997,582
(41,716,290)
(42,432,340)
(40,416,118)
(46,086,884)
(44,138,076)
(45,520,817)
163,094,004
178,063,082
226,953,544
2,862,663
2,740,528
2,576,216
51,506,673
62,750,894
85,676,741
104,887,731
105,102,800
130,399,643
3,836,937
7,468,860
8,300,944
178,793,465
194,995,301
245,042,703
8,006,108
8,063,675
10,052,543
690,098
586,418
1,645,086
2,127,516
7,699,646
1,599,044
60,791,885
59,670,691
96,023,597
104,583,911
117,653,625
135,028,024
29,904,747
29,017,183
28,173,224
22,557,944
23,980,131
24,359,030
82,025,967
93,673,494
110,668,994
2,879,281
3,033,057
3,086,446
22,272,610
22,268,320
21,966,993
13,171,071
15,071,457
14,737,321
9,878,141
11,248,871
10,086,690
3,292,930
3,822,586
4,650,631
(629,177)
1,527,361
386,116
3,922,107
2,295,225
4,264,515
2,906,348
2,876,125
6,003,856
5,632,038
6,302,549
6,423,098
5,484,765
6,096,098
6,184,819
2,112,336
(640,625)
3,831,800
1,580,078
(620,697)
2,550,534
10,302,851
10,302,851
10,302,851
0.00
0.00
0.00
0.00
0.00
0.00
(19,511,846)
(8,534,193)
39,193,654
117,082,107
106,655,114
75,260,429
0.25
25.36%
31.56%
1.84%
1.96%
0.02
2.56%
-1.02%
4.01%
0.88%
-0.32%
1.04%
1.63%
1.47%
2.45%
2.19%
1.18%
1.74%
0.75
74.64%
68.44%
2.60
-9.52
1.61
35.03%
35.12%
30.97%
1.89
2.12
1.03
0.15
-0.06
0.25
4.86%
4.44%
4.77%
0.34
0.31
39.19%
45.88%
48.04%
45.16%
58.66%
0.54
53.22%
91.22%
91.32%
92.62%
99.71%
111.94%
103.55%
66.87%
70.09%
62.49%
28.59%
24.66%
20.86%
21.57%
20.38%
18.04%
0.48
47.51%
44.29%
-2.79%
6.37%
1.59%
75.43%
82.64%
86.46%
34.56%
31.32%
25.96%
1.89
1.75
1.18
6.00
5.93
6.17
1.70
1.72
2.05
-12.35
13.75
15.37
2015
(Thousand Rupees)
2013
2014
2015
8,540,902
10,766,983
11,197,586
8,082,387
10,082,387
10,082,387
167,424
212,640
298,760
291,091
471,956
816,439
1,590,276
487,614
646,633
29,870,362
39,326,463
68,322,117
918,662
308,894
492,159
2,987,399
5,964,576
27,325,753
24,632,610
31,642,143
38,844,291
1,331,691
1,410,850
1,659,914
40,001,540
50,581,060
80,166,336
2,795,889
2,525,366
3,258,421
117,483
79,761
1,071,112
790,672
1,900,000
2,000,000
13,991,462
19,953,205
44,726,421
20,561,874
23,916,363
26,259,641
2,340,626
2,144,114
1,973,975
2,292,478
2,104,191
2,072,603
18,269,396
21,812,172
24,187,038
861,709
800,890
1,323,670
3,174,929
3,509,666
3,599,674
3,206,548
4,618,568
5,468,187
1,822,677
2,805,889
3,325,564
1,383,871
1,812,679
2,142,623
(89,935)
(99,358)
21,540
1,473,806
1,912,037
2,121,083
160,498
217,271
805,257
1,552,643
1,704,048
2,110,963
1,550,837
1,645,959
2,060,056
81,661
425,260
815,377
84,313
226,081
430,603
808,239
1,008,239
1,008,239
0.00
0.00
0.00
0.00
0.00
0.00
(574,066)
5,795,768
27,066,960
49,935,753
3,837,807
7,700,023
43.16%
39.25%
39.18%
3.46%
3.58%
2.67%
0.99%
0.02
3.85%
0.21%
0.45%
0.54%
0.00
0.43%
0.01
3.68%
3.78%
2.65%
56.84%
60.75%
60.82%
18.99
3.87
2.53
46.11%
35.24%
33.65%
9.66
7.58
2.56
0.10
0.22
0.43
7.28%
5.15%
0.05
34.98%
39.45%
55.79%
45.67%
43.12%
30.17%
61.58%
62.56%
48.45%
74.67%
77.75%
85.23%
83.47%
75.58%
0.68
74.45%
0.64
39.69%
11.38%
8.97%
7.52%
11.15%
0.09
7.89%
0.27
19.91%
17.63%
-3.92%
-4.72%
1.04%
97.94%
98.14%
1.05
21.35%
21.29%
13.97%
5.85
0.36
0.69
10.57
10.68
11.11
2.88
2.94
3.47
-6.81
25.64
62.86
2015
(Thousand Rupees)
2013
2014
2015
6,267,287
19,652,059
69,043,317
26,716,048
28,916,048
80,198,099
162,762
180,134
180,134
(20,611,523)
(9,444,123)
(11,334,916)
407,901
(11,151,232)
(54,466,655)
85,095,007
94,235,026
118,560,597
2,747,400
2,153,091
2,413,342
11,381,975
21,742,246
33,230,182
69,433,452
68,770,255
81,097,581
1,532,180
1,569,434
1,819,492
91,770,195
102,735,853
133,137,259
5,361,695
5,102,984
7,343,670
226,184
139,478
194,065
446,589
3,000,000
6,777,944
14,853,257
18,105,414
34,999,068
61,469,729
64,417,139
67,045,340
9,871,986
8,221,947
8,519,913
5,432,207
5,450,262
5,971,133
56,037,522
58,966,877
61,074,207
4,691,552
4,563,290
4,496,648
10,153,396
12,857,810
18,251,657
7,622,425
9,429,216
8,933,315
5,462,669
5,969,099
5,833,685
2,159,756
3,460,117
3,099,630
633,475
367,613
724,377
1,526,281
3,092,504
2,375,253
1,324,580
1,720,363
1,894,323
4,378,939
4,681,452
6,109,278
4,407,927
4,692,044
5,268,719
(1,528,078)
131,415
(1,839,702)
(1,156,562)
86,860
(1,711,605)
2,671,605
2,671,605
77,998,099
0.00
0.00
0.00
0.00
0.00
0.00
156,936
1,540,395
14,261,825
24,066,080
30,156,360
30,510,156
28.33%
0.37
0.35
2.35%
3.37%
2.33%
-18.45%
0.44%
-2.48%
-1.26%
0.08%
-1.29%
1.44%
1.67%
1.42%
1.66%
3.01%
1.78%
71.67%
0.63
0.65
-2.88
35.70
-2.86
48.94%
41.99%
56.42%
3.33
2.73
2.78
-0.43
0.03
-0.02
6.09%
0.05
5.66%
16.19%
17.62%
26.29%
61.06%
0.57
45.87%
75.66%
66.94%
60.91%
92.73%
91.73%
89.05%
88.53%
93.67%
82.67%
76.06%
71.17%
58.64%
16.06%
12.76%
12.71%
8.84%
8.46%
8.91%
157.52%
41.84%
12.34%
11.66%
6.74%
12.13%
55.03%
66.29%
70.08%
6.83%
19.13%
51.86%
3.84
1.53
0.44
2.35
7.36
0.89
11.08
3.50
1.17
-0.14
17.73
-8.33
2015
(Thousand Rupees)
2013
2014
2015
13,451,777
15,108,732
16,337,318
11,024,636
11,024,636
11,024,636
617,500
933,911
1,049,465
1,809,641
3,150,185
4,263,217
(169,134)
1,930,495
1,854,624
155,951,229
196,136,080
235,149,887
2,577,943
2,779,715
2,751,084
10,485,479
25,824,908
39,875,623
140,579,907
163,250,371
185,222,383
2,307,900
4,281,086
7,300,797
169,233,872
213,175,307
253,341,829
12,672,753
15,776,136
16,718,428
957,170
1,024,566
1,634,544
2,737,751
154,342
3,306,244
46,702,797
75,715,677
108,633,807
104,317,533
115,613,735
120,616,960
10,424,111
10,224,405
11,584,107
7,138,505
7,645,530
8,615,208
97,179,028
107,968,205
112,001,752
4,008,574
5,013,968
4,956,732
4,975,799
7,522,413
6,090,322
13,601,389
16,906,398
18,319,732
8,751,084
10,626,395
10,722,265
4,850,305
6,280,003
7,597,467
735,080
549,113
1,029,241
4,115,225
5,730,890
6,568,226
2,399,843
2,508,690
3,152,792
4,984,673
5,797,684
6,125,411
4,957,263
5,605,644
5,974,724
1,530,395
2,441,896
3,595,607
1,036,857
1,582,055
2,212,768
1,102,464
1,102,464
1,102,464
0.00
0.00
0.00
0.10
0.00
0.13%
(10,887,531)
30,229,741
33,533,164
72,786,199
49,894,004
117,300,198
35.66%
37.15%
41.47%
2.87%
2.95%
0.03
7.71%
10.47%
13.54%
0.61%
0.74%
0.87%
1.42%
1.18%
1.24%
2.43%
2.69%
2.59%
64.34%
62.85%
58.53%
3.24
2.30
1.66
31.15%
29.86%
28.53%
2.07
2.23
1.90
0.94
1.44
2.01
8.05%
7.88%
7.24%
0.28
35.52%
42.88%
57.42%
50.65%
44.21%
83.07%
76.58%
73.11%
92.15%
92.01%
92.82%
74.21%
70.82%
65.12%
69.05%
61.15%
53.58%
9.99%
8.84%
0.10
6.84%
6.61%
7.14%
77.49%
67.67%
70.91%
0.10
7.18%
11.95%
68.48%
74.78%
74.37%
7.95%
7.09%
6.45%
5.41
3.30
7.18
12.20
13.70
14.82
10.45
10.81
11.34
-10.50
19.11
15.15
2015
(Thousand Rupees)
2013
2014
2015
52,618,375
54,716,071
55,256,118
38,715,850
38,715,850
38,715,850
7,180,552
9,111,044
10,964,796
6,721,973
6,889,177
5,575,472
4,333,514
7,184,217
7,901,868
348,377,961
357,823,043
392,833,524
6,540,213
5,563,605
11,401,191
17,291,175
17,244,671
21,784,451
296,377,146
304,305,541
327,121,324
28,169,427
30,709,226
32,526,558
405,329,850
419,723,331
455,991,510
32,331,167
21,475,345
29,482,134
1,608,932
387,301
4,300,002
22,158,840
10,813,559
26,969,566
146,380,251
188,992,097
224,632,132
168,426,527
150,025,353
128,111,619
24,938,439
23,095,733
24,018,416
22,187,973
21,450,000
21,516,718
146,238,554
128,575,353
106,594,901
6,172,744
6,282,553
5,963,952
50,439,362
63,197,123
58,048,823
31,493,338
35,269,158
33,883,308
12,687,175
13,873,493
11,116,572
18,806,163
21,395,665
22,766,736
(924,788)
483,495
1,555,469
19,730,951
20,912,170
21,211,267
5,881,048
7,400,269
7,116,861
9,243,814
12,944,432
12,763,433
8,966,028
12,496,824
12,307,281
16,368,185
15,368,007
15,564,695
10,699,319
9,814,885
9,430,934
3,871,585
3,871,585
3,871,585
0.24%
0.23%
0.00
0.00
0.00
0.00
27,147,456
28,634,903
62,133,619
258,346,636
203,878,029
284,966,878
59.71%
60.66%
67.19%
4.64%
0.05
4.99%
20.33%
17.94%
17.07%
2.64%
2.34%
2.07%
1.45%
1.76%
1.56%
4.87%
4.98%
4.65%
40.29%
39.34%
32.81%
0.55
0.81
0.79
24.73%
30.34%
31.13%
1.52
1.69
1.73
2.76
2.54
2.44
8.37%
5.21%
7.41%
36.11%
45.03%
49.26%
36.08%
30.63%
23.38%
73.12%
0.73
71.74%
85.95%
85.25%
86.15%
56.83%
0.49
39.16%
0.54
46.66%
36.72%
14.81%
15.39%
18.75%
13.17%
0.14
0.17
47.39%
42.21%
43.47%
-4.17%
2.25%
7.23%
88.97%
92.87%
89.58%
12.98%
13.04%
12.12%
4.91
3.73
5.16
13.59
14.13
14.27
5.63
5.56
5.92
2.54
2.92
6.59
2015
(Thousand Rupees)
2013
2014
2015
1,050,042
1,324,935
1,627,134
10,779,796
10,779,796
10,779,796
(1,811,675)
(1,765,785)
(1,722,341)
(7,918,079)
(7,689,076)
(7,430,321)
2,297,062
11,007,039
10,321,410
122,152,677
136,112,320
176,417,151
2,205,414
1,531,639
2,728,797
9,961,198
25,312,661
49,755,998
106,255,566
105,222,446
119,742,108
3,730,499
4,045,574
4,190,248
125,499,781
148,444,294
188,365,695
9,203,573
9,383,948
10,539,924
2,302,189
4,377,298
2,919,394
1,555,000
650,000
1,459,868
39,526,939
45,329,692
77,557,913
65,568,738
77,804,045
83,099,126
17,809,041
14,838,307
17,183,005
11,360,264
11,349,348
12,544,846
54,208,474
66,454,697
70,554,280
6,258,010
7,607,167
9,608,669
12,445,596
14,641,492
15,725,647
9,173,938
9,828,995
10,709,851
8,323,255
7,392,589
7,653,842
850,683
2,436,406
3,056,009
(836,426)
563,074
1,575,408
1,687,109
1,873,332
1,480,601
1,755,574
3,205,003
4,423,449
1,385,777
5,042,764
5,211,157
4,429,293
4,971,020
5,188,247
(1,385,777)
35,571
692,893
(1,813,475)
241,620
238,203
1,077,980
1,077,980
1,077,980
0.00
0.00
0.00
0.00
0.00
0.00
(11,845,738)
1,296,627
35,425,733
79,151,479
111,449,565
145,031,813
9.27%
24.79%
28.53%
0.68%
1.64%
1.62%
-1.73
18.24%
14.64%
-1.45%
0.16%
0.13%
0.01
2.16%
2.35%
1.34%
1.26%
0.79%
90.73%
75.21%
71.47%
-3.20
139.75
7.49
12.68%
38.69%
34.44%
2.52
1.55
1.17
-1.68
0.22
0.22
9.17%
9.27%
7.15%
0.32
30.54%
41.17%
43.19%
44.77%
37.46%
84.67%
70.88%
63.57%
97.33%
91.69%
93.66%
61.71%
73.94%
0.69
56.42%
0.60
49.03%
27.16%
19.07%
20.68%
17.33%
14.59%
0.15
1696.03%
1119.93%
1056.03%
-7.36%
4.96%
12.56%
63.79%
76.49%
73.01%
0.84%
0.89%
0.86%
75.38
84.12
89.13
0.97
1.23
1.51
101.19
79.42
73.59
6.53
5.37
148.72
2015
(Thousand Rupees)
2013
2014
2015
95,499,445
102,035,541
113,821,642
12,241,798
12,241,798
12,241,798
38,049,345
37,286,088
41,624,817
45,208,302
52,507,655
59,955,027
15,773,702
35,469,070
41,777,407
972,359,569
1,044,948,502
1,330,587,764
16,600,691
9,559,255
13,395,744
41,077,730
53,248,526
164,232,087
889,525,603
951,902,296
1,119,953,064
25,155,545
30,238,425
33,006,869
1,083,632,716
1,182,453,113
1,486,186,813
89,591,601
75,660,306
113,762,323
32,658,606
21,948,274
27,713,772
29,858,038
23,435,222
31,304,861
458,846,198
519,602,007
747,598,627
461,674,998
514,282,720
529,914,609
52,078,870
57,105,477
48,072,230
46,391,688
46,917,428
42,636,466
415,283,310
467,365,292
487,278,143
28,037,980
33,335,646
36,677,638
29,356,983
41,106,366
41,851,449
75,709,170
85,760,646
97,574,003
36,199,807
38,846,868
39,715,160
39,509,363
46,913,778
57,858,843
1,594,245
1,336,301
3,823,428
37,915,118
45,577,477
54,035,415
19,416,361
21,356,117
23,687,224
29,648,683
32,711,966
35,137,017
28,570,569
31,752,088
34,004,803
28,965,178
35,616,314
43,447,326
19,730,771
24,024,803
27,009,626
1,224,180
1,224,180
1,224,180
1.00
0.01
0.00
0.00
0.00
0.00
99,783,642
37,971,267
276,536,057
781,711,456
684,222,707
809,575,301
52.19%
0.55
0.59
3.65%
3.97%
3.89%
20.66%
23.55%
23.73%
1.82%
2.03%
1.82%
1.79%
1.81%
1.59%
0.04
3.85%
3.64%
47.81%
0.45
0.41
0.99
0.89
0.78
31.17%
30.54%
28.98%
1.47
1.49
1.44
16.12
19.63
22.06
11.28%
8.25%
9.52%
42.34%
43.94%
0.50
38.32%
39.53%
32.79%
82.09%
0.81
75.36%
89.73%
88.37%
89.53%
0.52
54.03%
47.32%
49.61%
51.16%
41.26%
11.28%
0.11
9.07%
10.05%
9.12%
8.05%
54.53%
55.97%
42.23%
3.44%
2.85%
8.97%
89.08%
82.16%
88.69%
8.81%
8.63%
7.66%
8.19
6.71
7.11
78.01
83.35
92.98
9.31
9.33
9.84
5.06
1.58
10.24
2015
(Thousand Rupees)
2013
2014
2015
10,077,840
12,395,926
18,108,526
15,351,359
16,853,159
16,853,192
11,772,614
11,405,111
12,481,724
(17,046,133)
(15,862,344)
(11,226,390)
7,702,077
98,050,912
47,206,452
158,300,606
81,358,735
154,984,502
811,713
652,922
494,597
80,333,857
25,156,776
83,442,152
21,686,761
33,901,598
45,369,920
55,468,275
21,647,439
25,677,833
176,080,523
191,805,573
220,299,480
4,634,081
5,679,083
3,818,436
10,581,129
7,174,377
18,529,145
5,677,789
2,192,109
1,996,740
27,818,123
33,826,010
26,141,681
126,060,305
139,988,376
159,968,960
31,969,064
32,873,189
30,428,554
19,994,928
20,046,229
18,045,023
106,065,377
119,942,147
141,923,937
6,099,597
6,370,435
6,904,242
15,204,427
16,621,412
20,985,299
15,472,593
18,134,468
20,861,384
4,682,083
3,109,640
6,669,762
10,790,510
15,024,828
14,191,622
1,074,299
1,419,638
(520,492)
9,716,211
13,605,190
14,712,114
5,274,490
4,872,693
6,490,690
9,629,166
9,992,106
12,126,146
9,620,605
9,951,862
11,935,457
5,361,535
8,485,777
9,076,658
1,954,495
5,520,393
5,886,622
1,495,859
1,510,877
1,510,877
N/A
N/A
N/A
N/A
N/A
N/A
2,029,607
2,435,650
2,668,563
15,205,774
9,839,843
12,089,493
69.74%
82.85%
68.03%
6.13%
7.83%
6.44%
19.39%
44.53%
32.51%
1.11%
2.88%
2.67%
0.03
2.54%
2.95%
5.52%
7.09%
6.68%
30.26%
17.15%
31.97%
1.79
1.17
1.31
46.41%
43.43%
44.33%
1.82
2.04
1.84
1.31
3.65
3.90
8.64%
0.07
10.14%
0.16
17.64%
11.87%
60.24%
62.53%
64.42%
12.32%
17.67%
20.59%
0.90
42.42%
70.35%
581.28%
412.93%
352.59%
123.56%
237.03%
124.19%
25.36%
23.48%
19.02%
15.86%
14.32%
11.28%
317.22%
265.19%
168.03%
5.37%
7.08%
-2.88%
62.54%
60.98%
0.59
5.72%
6.46%
8.22%
1.51
0.79
0.67
6.74
8.20
11.99
2.15
2.73
2.51
1.04
0.44
0.45
2015
(Thousand Rupees)
2013
2014
2015
(27,375,507)
(27,008,838)
(26,255,582)
(27,375,508)
(27,008,839)
(26,255,583)
302,310
365,326
43,918
30,870,296
30,881,083
30,329,532
5,927
5,595
7,107
23,409,994
23,409,994
23,409,994
328,049
155,757
165,002
7,126,326
7,309,737
6,747,429
3,797,099
4,237,571
4,117,868
56,600
41,269
45,299
21,802
12,621
7,338
431,073
656,919
1,111,740
830,800
1,058,537
489,703
6,254,100
6,018,848
5,890,949
6,243,306
6,009,136
5,881,104
6,215,376
6,009,136
5,881,104
38,724
9,712
9,845
51,404
49,443
49,268
2,366,696
2,409,070
2,404,675
198,721
173,553
121,523
197,905
19,229
22,135
816
154,324
99,388
(53,422)
(144,065)
(38,549)
54,238
298,389
137,937
264,505
190,430
767,381
214,448
119,016
150,828
212,393
117,104
114,029
104,295
369,803
754,490
101,996
366,670
753,255
0.00
0.00
0.00
0.00
0.00
0.00
(2,446,154)
(6,021)
(1,017,313)
132,441
132,441
132,383
0.41%
88.92%
81.79%
0.02%
3.64%
2.41%
-0.37%
-1.36%
-2.87%
2.69%
8.65%
18.29%
6.97%
4.49%
18.64%
1.43%
7.04%
3.35%
99.59%
11.08%
18.21%
2.04
0.32
0.15
46.29%
0.33
16.97%
0.80
0.61
0.15
2039920.00
7333400.00 -
2.06%
1.27%
1.28%
21.88%
24.98%
11.89%
1.02%
0.23%
0.24%
8.64%
3.68%
4.01%
8.13
728.74%
736.53%
1906.45%
3864.26%
3570.23%
26.35%
25.54%
24.99%
99.83%
99.84%
99.83%
99.38%
99.84%
99.83%
-22.81%
-22.25%
-0.22
-0.86%
-0.02
-0.66%
99.55%
1.00
1.00
-720.96%
-637.37%
-6.38
0.00
0.00
-0.01
-547510140.00
-540176760.00 -
-0.01
-0.01
-0.01
-23.98
-0.02
-1.35
2015
(Thousand Rupees)
2013
2014
2015
1,005,612
688,067
352,024
2,392,507
2,392,507
2,392,507
206,526
234,660
234,660
(1,593,421)
(1,939,100)
(2,275,143)
(1,494)
121,557
108,524
6,019,704
4,920,984
8,522,329
85,775
58,298
114,107
1,748,960
777,433
2,889,058
3,713,111
3,342,155
4,768,752
471,858
743,098
750,412
7,023,822
5,730,608
8,982,877
314,880
366,873
390,101
2,286
7,318
3,315
800,000
215,000
885,000
2,653,388
1,379,486
4,051,558
8,113,037
8,891,980
8,585,373
5,650,444
5,935,111
5,875,764
5,260,662
5,489,208
5,418,540
2,852,375
3,402,772
3,166,833
128,218
141,955
129,581
272,675
217,204
356,489
715,246
819,048
715,659
477,873
542,878
436,487
237,373
276,170
279,172
78,540
68,716
(68,842)
158,833
207,454
348,014
25,819
87,612
48,240
610,874
672,280
691,929
605,052
634,381
682,821
(426,222)
(377,214)
(295,675)
(430,699)
(386,418)
(299,468)
239,251
239,251
239,251
0.00
0.00
0.00
0.00
0.00
0.00
(1,853,345)
(1,537,934)
3,101,131
2,998,958
1,697,655
3,782,290
33.19%
33.72%
39.01%
3.38%
4.82%
3.11%
-42.83%
-56.16%
-85.07%
-6.13%
-6.74%
-3.33%
0.37%
1.53%
0.54%
2.26%
3.62%
3.87%
66.81%
66.28%
60.99%
-1.42
-1.68
-2.31
82.43%
74.15%
90.58%
23.43
7.24
14.15
-1.80
-1.62
-1.25
4.52%
6.53%
4.38%
37.78%
24.07%
0.45
40.61%
59.38%
35.25%
52.86%
58.32%
53.09%
0.86
85.87%
94.87%
2.19
266.06%
180.03%
148.53%
215.85%
112.11%
69.65%
66.75%
68.44%
64.84%
61.73%
63.11%
561.89%
862.58%
1669.14%
1.49%
1.25%
-1.27%
0.93
92.49%
92.22%
14.32%
12.01%
3.92%
2.98
2.47
10.74
4.20
2.88
1.47
3.69
4.86
13.55
4.30
3.98
-10.36
2015
(Thousand Rupees)
2013
2014
2015
6,661,076
6,863,187
6,863,289
436,410
1,938,210
1,938,243
8,060,799
6,581,685
6,603,774
(1,836,133)
(1,656,708)
(1,678,728)
4,545,069
4,598,141
4,726,591
5,403,341
6,524,069
7,724,985
13,746
27,065
27,324
2,747,708
3,707,719
4,567,142
2,641,887
2,789,285
3,130,519
16,609,486
17,985,397
19,314,865
634,679
779,550
866,698
1,186,887
1,240,883
1,775,794
800,000
500,000
791,599
2,150,672
1,934,771
9,468,639
9,581,782
10,800,592
2,303,522
2,265,220
2,147,218
1,606,077
1,606,077
1,606,077
7,862,562
7,975,705
9,194,515
4,571,028
4,594,887
4,619,964
762,731
743,700
923,123
1,595,985
1,619,737
1,739,766
115,098
149,263
197,365
1,480,887
1,470,474
1,542,401
(1,778)
1,482,665
1,470,474
1,542,401
100,732
109,944
99,907
1,110,867
1,469,612
1,518,121
1,147,041
1,469,612
1,432,249
472,530
110,806
124,187
478,728
83,859
89,725
4,364
19,382
19,382
0.00
0.00
0.00
0.00
0.00
0.00
230,713
1,516,968
301,375
270,384
23,086
14,128
92.79%
90.78%
88.66%
8.92%
8.18%
7.99%
7.19%
1.22%
1.31%
2.88%
0.47%
0.46%
0.61%
0.61%
0.52%
8.93%
8.18%
7.99%
7.21%
9.22%
11.34%
2.43
13.26
11.53
65.47%
84.96%
82.52%
11.39
13.37
14.34
109.70
4.33
4.63
10.97%
11.23%
13.68%
4.77%
11.96%
10.02%
47.34%
44.35%
0.48
16.54%
20.62%
23.65%
32.53%
36.27%
0.40
3.45
258.43%
236.48%
3.45
258.43%
236.48%
24.33%
23.64%
19.88%
16.96%
16.76%
14.87%
34.58%
33.01%
31.29%
-0.11%
0.00
0.00
69.72%
0.71
0.75
0.40
38.16%
35.53%
0.04
0.00
0.00
1,526.37
354.10
354.11
0.41
0.54
0.67
0.48
18.09
3.36
2015
(Thousand Rupees)
2013
2014
2015
29,786,659
31,853,510
37,148,795
12,522,441
12,522,441
12,522,441
3,505,289
4,588,766
5,643,290
13,758,929
14,742,303
18,983,064
2,856,192
92,965,888
42,327,419
116,007,265
39,032,599
108,407,656
706,265
561,964
346,059
55,174,903
969,349
57,143,100
14,897,893
26,695,967
35,869,024
45,228,204
10,805,319
15,049,473
148,650,116
163,851,997
187,883,870
3,627,922
4,491,391
2,516,338
9,370,154
5,913,555
16,742,698
3,646,716
820,190
23,542,336
29,237,315
19,665,649
102,224,529
115,495,766
134,692,046
17,771,792
18,663,722
16,524,468
6,912,813
6,941,808
5,139,302
95,311,716
108,553,958
129,552,744
1,348,947
1,584,150
2,105,429
11,802,325
13,251,438
17,301,012
12,962,641
15,522,130
18,284,436
3,891,207
2,398,270
6,013,775
9,071,434
13,123,860
12,270,661
1,050,959
1,494,987
(413,101)
8,020,475
11,628,873
12,683,762
4,883,434
4,484,707
5,575,162
7,692,977
7,731,198
9,765,268
7,656,119
7,730,765
9,706,358
5,210,932
8,382,382
8,493,656
1,804,470
5,456,282
5,343,110
1,252,244
1,252,244
1,252,244
0.00
0.00
0.00
0.00
0.00
0.00
6,098,393
2,462,637
283,370
11,803,991
7,986,661
8,160,692
69.98%
84.55%
67.11%
0.06
8.01%
6.53%
6.06%
17.13%
14.38%
1.21%
3.33%
2.84%
3.29%
2.74%
2.97%
0.05
0.07
6.75%
30.02%
15.45%
32.89%
1.47
0.92
1.14
43.11%
38.64%
40.93%
1.57
1.72
1.74
1.44
4.36
4.27
8.74%
6.35%
10.25%
15.84%
17.84%
10.47%
64.12%
66.25%
68.95%
10.02%
16.29%
19.09%
78.04%
23.82%
0.58
686.17%
432.63%
375.51%
145.88%
417.47%
144.81%
17.39%
16.16%
12.27%
6.76%
6.01%
3.82%
59.66%
58.59%
44.48%
0.15
21.54%
-8.04%
0.39
37.19%
0.31
20.04%
19.44%
19.77%
0.40
0.25
0.22
23.79
25.44
29.67
0.50
0.84
0.97
3.38
0.45
0.05
2015
(Thousand Rupees)
2013
2014
2015
39,950,285
33,312,182
26,899,289
42,343,924
32,893,152
18,117,430
161,613
156,327
164,791
(2,555,252)
262,703
8,617,068
(137,435)
562,570
184,000
223,973,670
203,836,313
233,751,840
3,568,916
3,571,754
2,982,070
51,550,107
76,248,147
108,506,332
151,076,666
107,508,592
105,892,088
17,777,981
16,507,820
16,371,350
263,786,520
237,711,065
260,835,129
40,765,911
27,281,096
19,995,516
2,606,160
1,811,308
2,030,938
28,170,848
12,740,528
19,296,920
120,713,675
126,977,403
173,356,139
61,842,434
62,537,377
40,716,541
6,234,872
4,756,133
3,070,769
6,306,239
4,849,382
3,178,373
55,536,195
57,687,995
37,538,168
1,358,996
1,073,330
1,506,651
14,634,735
10,139,405
7,110,797
17,198,947
17,616,770
15,239,259
7,766,752
7,506,303
4,416,757
9,432,195
10,110,467
10,822,502
(209,705)
(30,214)
(509,045)
9,641,900
10,140,681
11,331,547
2,211,106
2,828,630
3,530,499
8,907,874
6,546,952
4,663,343
8,899,615
6,459,573
4,599,949
2,945,132
6,532,767
10,198,703
1,605,345
4,126,118
6,445,417
34,135,795
15,446,451
82,690,306
722,877,012
627,126,378
885,320,790
54.84%
57.39%
71.02%
3.58%
4.25%
4.15%
4.02%
12.39%
23.96%
0.61%
1.74%
2.47%
0.84%
1.19%
1.35%
3.66%
4.27%
4.34%
45.16%
42.61%
28.98%
3.02
0.99
0.45
45.89%
32.02%
24.84%
4.02
2.28
1.30
16.44%
12.24%
8.44%
45.76%
53.42%
66.46%
21.05%
24.27%
14.39%
57.27%
45.23%
0.41
84.91%
85.75%
89.62%
40.93%
58.17%
38.45%
30.52%
34.03%
18.99%
10.08%
7.61%
7.54%
0.10
7.75%
7.81%
15.61%
14.28%
11.42%
-3.33%
-0.62%
-16.02%
101.14%
101.96%
1.04
15.14%
14.01%
10.31%
18.09
18.83
32.91
3.78
3.23
3.94
21.26
3.74
12.83
2015
(Thousand Rupees)
2013
2014
2015
8,624,658
10,025,646
10,580,250
6,812,671
6,812,671
6,812,671
161,613
156,327
164,791
1,650,374
3,056,648
3,602,788
(67,274)
508,383
186,318
51,329,005
70,719,943
77,876,917
1,284,956
1,564,744
1,766,257
909,854
14,012,805
7,003,479
40,936,496
48,143,989
61,742,683
8,197,699
6,998,405
7,364,498
59,886,389
81,253,972
88,643,485
3,991,465
4,267,790
4,809,308
602,119
170,697
704,912
9,202,344
2,826,481
8,464,057
25,239,845
39,326,537
48,585,117
17,098,582
31,621,083
24,460,487
3,548,054
3,425,347
3,070,673
3,541,995
3,425,493
3,070,890
13,556,587
28,195,590
21,389,597
153,846
355,154
458,331
7,140,183
6,111,723
4,232,163
4,808,111
6,921,301
6,205,665
2,103,808
2,866,462
2,347,225
2,704,303
4,054,839
3,858,440
(685,437)
(128,922)
(174,532)
3,389,740
4,183,761
4,032,972
2,161,134
2,241,242
3,618,852
2,664,500
1,822,355
1,992,717
2,681,434
1,750,685
1,930,627
2,886,374
4,602,648
5,659,107
1,675,236
3,090,561
3,609,224
(12,938,127)
7,820,886
18,395,756
272,075,451
154,835,873
238,019,462
56.24%
58.58%
62.18%
4.52%
4.99%
4.35%
19.42%
30.83%
34.11%
0.03
0.04
4.07%
3.61%
2.76%
4.08%
5.66%
5.15%
4.55%
43.76%
41.42%
37.82%
0.93
0.38
0.34
38.23%
19.89%
20.28%
1.24
0.78
0.53
7.67%
5.46%
6.22%
42.15%
0.48
54.81%
22.64%
0.35
24.13%
68.36%
59.25%
69.65%
85.71%
87.04%
87.85%
41.77%
65.68%
39.62%
40.86%
50.87%
35.58%
20.75%
10.83%
12.55%
20.72%
10.83%
12.55%
41.14%
34.17%
29.02%
-19.35%
-3.76%
-5.68%
99.83%
1.00
100.01%
0.14
12.34%
11.94%
31.55
15.44
22.50
4.75
4.80
5.84
-7.72
2.53
5.10
2015
(Thousand Rupees)
2013
2014
2015
5,288,386
5,146,124
5,899,894
4,649,699
3,914,059
3,667,658
638,687
1,232,065
2,232,236
(1,777)
16,837
22,517,392
16,544,604
15,214,089
324,717
629,787
942,655
4,004,649
860,407
11,113
15,849,131
12,663,537
11,977,105
2,338,895
2,390,873
2,283,216
27,804,001
21,707,565
21,113,983
6,193,227
5,523,757
5,539,927
208,293
492,331
951,925
9,757,121
6,312,559
6,422,104
5,428,718
842,929
4,657,678
7,033,875
6,667,252
357,570
347,570
96
392,343
430,805
107,483
4,265,335
6,603,070
6,559,769
314,108
304,984
324,115
1,637,199
1,627,935
1,316,143
1,644,741
1,541,981
1,370,390
719,355
725,537
442,887
925,386
816,444
927,503
7,350
43,504
(334,513)
918,036
772,940
1,262,016
716,484
1,134,440
1,437,384
1,144,243
997,465
1,043,430
1,144,078
996,823
1,043,460
490,277
909,915
1,655,970
317,763
588,619
1,015,571
(2,606,831)
(4,241,374)
(98,646)
92,185,021
87,899,880
95,565,227
56.26%
52.95%
67.68%
3.33%
3.76%
4.39%
6.01%
11.44%
17.21%
1.14%
2.71%
4.81%
2.58%
5.23%
6.81%
0.03
3.56%
5.98%
43.74%
47.05%
32.32%
2.33
1.10
0.63
48.46%
37.27%
37.16%
1.60
0.88
0.73
23.02%
27.71%
30.75%
19.52%
3.88%
0.00
15.34%
30.42%
31.07%
0.57
58.34%
56.73%
80.99%
76.22%
72.06%
29.39%
55.54%
55.67%
23.46%
52.01%
55.62%
7.68%
4.94%
0.00
8.42%
6.12%
1.61%
6.76%
6.75%
0.00
1.87%
0.10
-311.22%
109.72%
123.95%
111961.46%
19.02%
23.71%
27.94%
17.43
17.08
16.20
3.00
2.46
2.03
-8.20
-7.21
-0.10
2015
(Thousand Rupees)
2013
2014
2015
3,731,767
4,472,165
6,401,292
3,802,007
3,627,239
3,780,941
(70,240)
844,926
2,620,351
(36,420)
35,401
(2,318)
58,349,458
71,442,821
133,855,321
104,562
4,667
266,947
40,028,520
56,592,615
100,081,926
14,986,537
9,500,726
26,948,982
3,229,839
5,344,813
6,557,466
62,044,805
75,950,387
140,254,295
4,462,227
4,329,697
5,413,124
163,630
295,142
246,427
3,490,017
1,129,730
669,547
47,547,395
63,074,604
124,771,022
3,894,413
6,087,050
6,999,406
3,894,413
6,087,050
6,999,406
243,293
183,341
662,763
2,243,830
850,823
1,492,006
3,700,571
4,607,826
7,244,606
738,992
1,078,251
1,288,821
2,961,579
3,529,575
5,955,785
2,961,579
3,529,575
5,955,785
(2,040,355)
(1,209,327)
(1,710,969)
661,533
915,410
1,423,955
661,553
915,410
1,423,955
259,691
1,404,838
2,820,861
294,405
915,166
1,775,329
42,182,051
16,214,140
64,192,017
300,866,009
369,386,706
548,112,702
80.03%
0.77
82.21%
4.77%
4.65%
4.25%
7.89%
20.46%
27.73%
0.47%
0.01
1.27%
-3.29%
-1.59%
-1.22%
4.77%
4.65%
4.25%
19.97%
0.23
17.79%
2.55
0.65
0.50
39.85%
26.94%
25.73%
-0.32
-0.76
-0.83
7.46%
6.09%
4.04%
76.63%
83.05%
88.96%
6.28%
8.01%
4.99%
24.15%
12.51%
19.21%
94.04%
94.07%
95.44%
25.99%
64.07%
25.97%
7.08%
9.21%
5.51%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6.01%
5.89%
4.56%
80.62
82.60
85.63
4.02
2.12
4.21
143.28
17.72
36.16
2015

(Thousand Rupees)
2013
2014
2015
4,522,674
3,831,740
4,017,853
4,432,860
3,716,072
3,856,160
89,814
115,668
161,693
4,771,721
4,013,627
6,805,513
46,792
4,561
6,211
546,529
602,899
1,409,814
4,050,656
3,271,199
5,223,318
127,744
134,968
166,170
9,294,395
7,845,367
10,823,366
4,726,787
4,016,022
4,233,157
351,590
9,643
127,674
2,327,718
1,408,414
3,741,212
1,754,481
2,257,101
2,589,396
1,754,481
2,257,101
2,589,396
62,051
70,537
61,442
71,768
83,650
70,485
356,417
479,522
418,598
299,628
387,087
337,824
56,789
92,435
80,774
56,789
92,435
80,774
125,836
171,961
185,232
161,614
195,395
203,241
161,185
193,715
201,907
21,011
69,001
62,765
12,892
27,177
45,293
372,915
(313,418)
201,179
3,569,431
3,249,880
3,623,399
15.93%
19.28%
0.19
0.61%
1.18%
0.75%
0.29%
0.71%
1.13%
0.14%
0.35%
0.42%
1.35%
2.19%
1.71%
0.61%
1.18%
0.75%
84.07%
80.72%
0.81
7.67
2.81
3.22
33.51%
29.99%
33.66%
1.28
1.13
1.09
54.64%
51.31%
40.29%
0.00
0.00
0.00
18.88%
28.77%
23.92%
43.58%
0.42
48.26%
51.34%
51.16%
62.88%
43.31%
0.69
49.57%
38.16%
58.26%
39.04%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
48.66%
48.84%
37.12%
0.79
0.85
0.90
0.90
0.85
1.30
28.93
-11.53
4.44
2015
(Thousand Rupees)
2013
2014
2015
62,694,853
68,665,061
73,081,616
45,408,180
45,408,180
46,008,180
6,940,678
9,265,059
10,393,506
10,345,995
13,991,822
16,679,930
2,014,435
3,315,554
3,942,994
69,348,797
83,637,135
92,015,300
56,652,283
63,801,203
75,277,200
9,520,112
15,542,649
12,042,790
3,176,402
4,293,283
4,695,310
134,058,085
155,617,750
169,039,910
366,438
479,355
553,271
2,836,277
3,373,583
5,286,144
8,349,074
1,542,177
862,824
76,662,780
100,731,608
106,828,042
46,555,682
49,030,501
53,278,099
10,827,486
10,459,009
10,983,921
9,955,243
9,923,236
8,800,260
36,600,439
39,107,265
44,477,839
3,262,654
3,225,488
3,632,422
5,980,423
7,158,274
7,399,368
9,024,920
11,286,838
11,486,945
4,887,636
6,471,036
5,927,632
4,137,284
4,815,802
5,559,313
616,770
403,730
984,857
3,520,514
4,412,072
4,574,456
4,954,518
5,168,551
5,911,257
2,367,857
2,646,955
2,890,329
2,418,714
2,659,337
2,749,655
6,402,025
7,525,384
8,048,821
5,522,694
6,040,078
5,554,178
3,327,494
3,941,058
4,001,058
N/A
N/A
N/A
N/A
N/A
N/A
(4,611,159)
20,593,988
5,186,917
38,882,978
34,114,724
16,681,086
45.84%
42.67%
0.48
3.09%
3.09%
3.29%
8.81%
0.09
0.08
4.12%
3.88%
3.29%
0.04
3.32%
0.04
2.63%
2.84%
2.71%
54.16%
57.33%
0.52
0.38
0.35
0.34
0.17
0.16
0.17
0.49
0.51
0.47
1.66
1.53
1.39
2.39%
2.48%
3.45%
57.19%
64.73%
0.63
0.27
25.13%
26.31%
0.07
9.99%
7.12%
51.73%
53.75%
54.43%
489.02%
315.46%
442.41%
70.36%
61.79%
61.01%
23.26%
21.33%
20.62%
21.38%
20.24%
16.52%
17.27%
15.23%
15.03%
0.06
4.07%
11.19%
91.94%
94.88%
80.12%
46.77%
44.12%
43.23%
0.62
0.50
0.23
18.84
17.42
18.27
0.15
0.23
0.16
-0.83
3.41
0.93
2015
(Thousand Rupees)
2013
2014
2015
8,264,839
8,617,541
9,063,615
6,000,000
6,000,000
6,000,000
483,592
553,966
673,449
1,781,247
2,063,575
2,390,166
175,891
176,037
129,863
8,840,956
9,950,638
14,027,799
8,489,171
9,221,225
11,652,435
25,080
386,060
1,890,502
326,705
343,353
484,862
17,281,686
18,744,216
23,221,277
27,829
33,303
46,114
158,417
261,059
215,426
12,745,355
14,114,870
18,807,372
4,224,263
4,463,459
4,410,476
889,443
1,330,507
1,300,078
546,057
871,281
907,528
3,678,206
3,592,178
3,502,948
196,201
210,352
191,311
475,678
532,454
458,106
1,153,996
1,233,407
1,509,674
488,889
508,046
627,125
665,107
725,361
882,549
274,562
350,559
16,949
390,545
374,802
865,600
286,419
372,345
359,760
220,483
283,150
302,029
272,175
285,046
302,183
456,481
463,997
923,331
339,230
351,869
597,414
600,000
600,000
600,000
0.00
0.00
0.00
0.00
0.00
0.00
(3,888,232)
1,601,343
4,181,808
8,124,423
8,618,704
517,936
57.64%
58.81%
58.46%
3.85%
3.87%
0.04
0.04
4.08%
6.59%
1.96%
1.88%
2.57%
1.66%
1.99%
1.55%
2.26%
0.02
3.73%
42.36%
41.19%
41.54%
0.60
0.61
0.33
0.15
0.18
0.16
0.95
0.77
0.84
0.57
0.59
1.00
1.08%
1.57%
1.13%
73.75%
0.75
80.99%
21.28%
19.16%
15.09%
0.15%
2.06%
8.14%
51.16%
53.09%
60.41%
16843.15%
1156.16%
2.33
49.61%
46.46%
32.57%
21.06%
29.81%
29.48%
12.93%
19.52%
20.58%
10.76%
15.44%
14.34%
50.28%
40.23%
1.87%
61.39%
65.48%
69.81%
47.82%
45.97%
39.03%
0.98
1.00
0.06
13.77
14.36
15.11
0.00
0.04
0.21
-11.46
4.55
7.00
2015
(Thousand Rupees)
2013
2014
2015
8,265,411
9,052,895
9,781,586
6,000,000
6,000,000
6,000,000
697,026
878,000
1,065,388
1,568,385
2,174,895
2,716,198
(38,746)
150,679
(40,121)
27,268,667
23,795,533
19,470,183
26,391,995
18,089,905
14,543,592
567,070
5,164,230
4,218,289
309,602
541,398
708,302
35,495,332
32,999,107
29,211,648
96,317
123,153
102,304
235,581
173,645
487,887
27,416,962
24,192,538
16,765,721
6,804,887
7,396,146
10,400,053
2,537
2,537
311,707
2,868
2,864
156,373
6,802,019
7,393,282
10,243,680
54,142
37,204
49,584
890,311
1,079,285
1,562,472
1,407,274
2,507,431
1,838,671
969,079
2,035,772
1,278,615
438,195
471,659
560,056
8,021
(3,665)
179,179
430,174
475,324
380,877
444,160
472,643
848,261
256,300
340,781
384,095
256,300
340,661
384,095
903,667
1,198,902
1,298,481
686,996
988,850
929,829
600,000
600,000
600,000
0.00
0.00
0.00
0.00
0.00
0.00
20,970,581
(3,973,693)
(7,172,070)
21,330,299
18,156,495
9,921,611
31.14%
18.81%
30.46%
1.23%
1.43%
1.92%
8.31%
10.92%
9.51%
1.94%
0.03
3.18%
1.25%
1.43%
0.03
1.21%
1.44%
0.01
68.86%
81.19%
69.54%
0.28
0.28
0.30
0.14
0.11
0.14
0.58
0.72
0.45
1.14
1.65
1.55
0.94%
0.01
2.02%
77.24%
73.31%
57.39%
19.16%
0.22
35.07%
0.02
15.65%
14.44%
76.82%
72.11%
66.65%
1200.01%
143.22%
246.55%
25.24%
31.81%
55.43%
0.04%
0.03%
0.03
0.04%
0.04%
0.02
0.03%
0.03%
3.19%
279.67%
-127.97%
114.58%
113.05%
112.89%
50.17%
23.29%
27.43%
33.49%
2.58
2.01
1.01
13.78
15.09
16.30
0.07
0.57
0.43
30.53
-4.02
-7.71
2015
(Thousand Rupees)
2013
2014
2015
12,290,172
12,761,949
13,385,443
9,116,400
9,116,400
9,116,400
635,213
729,568
854,267
2,538,559
2,915,981
3,414,776
22,778
185,913
175,763
417,559
7,059,711
6,988,210
326,090
6,741,689
6,903,226
250,000
91,469
68,022
84,984
12,730,509
20,007,573
20,549,416
41,540
51,867
116,865
1,883,525
1,882,251
2,033,472
559,025
4,283,208
11,288,944
12,091,247
5,848,689
6,554,094
6,353,733
682,500
762,499
652,789
519,684
597,190
645,999
5,329,005
5,956,904
5,707,734
218,912
199,423
183,466
415,294
628,184
416,632
1,035,329
1,331,381
1,550,371
101,875
219,807
406,220
933,454
1,111,574
1,144,151
124,520
150,353
121,791
808,934
961,221
1,022,360
354,832
19,396
237,637
308,788
361,813
309,121
304,627
325,678
302,939
854,978
618,804
950,875
564,285
469,409
620,823
911,640
911,640
911,640
0.00
0.00
0.00
0.00
0.00
0.00
(3,597,705)
6,990,725
974,486
311,417
48,825
90.16%
83.49%
0.74
7.33%
5.56%
5.57%
4.59%
3.68%
4.64%
4.43%
2.35%
3.02%
2.79%
0.00
1.16%
6.35%
0.05
4.98%
9.84%
16.51%
0.26
0.36
0.53
0.32
0.22
0.27
0.17
0.86
16.79
1.27
0.62
0.51
0.68
15.12%
9.67%
10.46%
33.65%
56.42%
58.84%
41.86%
29.77%
27.78%
0.00
1.25%
0.00
3.28%
35.29%
34.01%
2621.64% 1793.58%
93.74%
92.04%
11.67%
11.63%
10.27%
8.89%
9.11%
10.17%
5.55%
5.97%
4.88%
23.96%
25.18%
18.85%
76.14%
78.32%
98.96%
96.54%
63.79%
65.14%
0.00
0.02
0.00
13.48
14.00
14.68
0.00
0.02
0.00
-6.38
14.89
1.57
2015
(Thousand Rupees)
2013
2014
2015
15,679,940
18,512,041
19,726,808
6,000,000
6,000,000
6,000,000
3,553,438
5,200,005
5,748,570
6,126,502
7,312,036
7,978,238
589,165
1,103,639
889,086
6,022,192
5,018,493
7,751,093
5,042,353
3,557,518
6,246,955
349,680
397,790
179,750
630,159
1,063,185
1,324,388
22,291,297
24,634,173
28,366,987
30,795
53,667
63,957
27,561
20,335
20,718
5,824,062
28,000
11,886,802
20,901,562
22,142,622
5,506,256
4,362,535
6,618,230
1,992,396
1,695,364
1,621,319
1,733,766
1,564,607
1,504,586
3,772,490
2,797,928
5,113,644
203,854
188,609
169,034
545,733
644,072
857,012
1,706,704
1,408,799
1,229,530
1,019,112
619,925
365,227
687,592
788,874
864,303
103,639
(163,013)
434,720
583,953
951,887
429,583
2,726,036
2,802,327
2,619,921
502,987
558,850
545,252
502,987
558,394
545,222
2,807,002
3,195,364
2,504,252
2,359,673
2,677,680
1,828,550
240
240
240
0.00
0.00
0.00
0.00
0.00
0.00
(14,568,720)
5,780,181
356,224
3,065,573
859,482
2,452,764
40.29%
0.56
0.70
3.08%
0.03
3.05%
15.05%
14.46%
9.27%
10.59%
10.87%
6.45%
12.23%
11.38%
9.24%
2.62%
3.86%
1.51%
59.71%
0.44
0.30
0.18
0.17
0.22
0.11
0.13
0.14
0.18
0.20
0.21
9,831.97
11157.00
7,618.96
0.26%
0.00
0.00
53.32%
84.85%
78.06%
16.92%
11.36%
18.03%
1.57%
1.61%
0.63%
27.02%
20.37%
27.32%
1574.66%
1096.69%
3681.91%
102.12%
1.10
102.98%
36.18%
38.86%
0.25
31.49%
35.86%
22.73%
12.71%
9.16%
8.22%
5.98%
-10.42%
28.89%
87.02%
92.29%
0.93
70.34%
75.15%
69.54%
0.20
0.05
0.12
65,333.08
77133.50
82,195.03
0.02
0.02
0.01
-6.17
2.16
0.19
2015
(Thousand Rupees)
2013
2014
2015
3,332,668
3,568,845
3,873,949
6,141,780
6,141,780
6,141,780
36,319
82,855
143,860
(2,845,431)
(2,655,790)
(2,411,691)
(12,750)
17,842
20,794
8,800,819
8,849,498
11,379,536
5,615,747
6,097,465
9,441,099
2,809,423
2,470,607
1,737,389
375,649
281,426
201,048
12,120,737
12,436,185
15,274,279
51,848
68,845
65,712
193,258
64,144
30,481
350,000
320,000
6,356,193
7,703,305
10,922,328
7,028,521
6,269,304
5,810,534
3,246,848
3,244,836
3,229,136
2,675,540
2,561,390
2,572,123
4,352,981
3,707,914
3,238,411
86,956
87,907
69,960
729,501
804,070
627,387
1,147,179
1,317,502
1,385,571
892,929
1,002,284
1,025,661
254,250
315,218
359,910
(94,837)
(136,645)
(60,605)
349,087
451,863
420,515
184,168
214,029
444,233
337,260
348,313
392,333
356,123
378,461
367,407
195,995
317,579
472,415
181,595
232,681
305,026
614
614,178
614,178
0.00
0.00
0.00
0.00
0.00
0.00
(1,318,278)
1,270,311
1,990,238
2,484,646
1,261,162
1,480,479
22.16%
23.93%
25.98%
0.02
2.53%
2.36%
5.45%
6.52%
7.87%
0.02
1.87%
0.02
1.52%
1.72%
2.91%
2.88%
3.63%
2.75%
77.84%
76.07%
74.02%
1.82
1.19
0.78
0.25
0.23
0.21
1.93
1.77
0.83
295.76
0.38
0.50
2.02%
1.07%
0.63%
52.44%
61.94%
71.51%
35.91%
29.82%
0.21
23.18%
19.87%
11.37%
72.61%
71.16%
0.75
250.18%
253.76%
334.44%
83.42%
73.17%
51.98%
0.46
51.76%
55.57%
38.07%
40.86%
44.27%
97.42%
90.92%
83.36%
-3.54%
-5.33%
-2.36%
0.82
78.94%
79.65%
0.28
0.29
25.36%
0.75
0.35
0.38
5427.80
5.81
6.31
0.84
0.69
0.45
-7.26
5.46
6.52
2015
(Thousand Rupees)
2013
2014
2015
7,278,533
7,416,952
7,707,067
6,150,000
6,150,000
6,150,000
646,091
722,810
843,304
482,442
544,142
713,763
(63,291)
303,758
405,078
10,535,409
15,661,793
19,039,675
5,721,831
8,868,730
14,479,440
4,433,848
6,295,986
4,009,860
379,730
497,077
550,375
17,750,651
23,382,503
27,151,820
78,034
99,935
93,746
227,034
269,621
1,736,674
1,206,521
614,177
362,824
7,652,050
12,223,083
13,896,511
8,432,557
9,964,228
10,910,887
1,132,366
1,037,908
1,193,866
938,867
893,914
914,462
7,493,690
9,070,314
9,996,425
52,642
69,705
83,174
1,040,680
1,035,668
982,466
1,566,715
2,118,186
2,252,317
892,690
1,360,752
1,356,296
674,025
757,434
896,021
110,478
209,309
195,654
563,547
548,125
700,367
301,200
434,771
755,074
407,440
440,204
547,970
392,662
419,510
505,848
457,307
542,692
907,471
339,103
376,228
540,268
615,000
615,000
615,000
0.00
0.00
0.00
0.00
0.00
0.00
(1,866,097)
4,748,247
3,008,614
2,576,216
3,194,247
1,724,504
43.02%
35.76%
39.78%
0.04
3.24%
0.03
4.66%
5.07%
7.01%
1.91%
1.61%
1.99%
0.02
1.86%
2.78%
3.17%
2.34%
2.58%
56.98%
64.24%
60.22%
0.86
0.77
0.56
0.22
0.17
0.18
1.30
0.96
0.67
0.55
0.61
0.88
1.72%
1.58%
6.74%
43.11%
52.27%
51.18%
42.22%
38.79%
36.82%
24.98%
26.93%
14.77%
59.35%
66.98%
70.12%
190.19%
158.26%
2.72
83.03%
65.71%
59.01%
13.43%
10.42%
10.94%
11.13%
8.97%
8.38%
15.56%
13.99%
15.49%
11.77%
23.41%
0.21
82.91%
86.13%
0.77
0.41
31.72%
28.39%
0.35
0.43
0.22
11.84
12.06
12.53
0.61
0.85
0.52
-5.50
12.62
5.57
2015
(Thousand Rupees)
2013
2014
2015
7,583,290
8,734,838
9,543,148
6,000,000
6,000,000
6,600,000
888,999
1,097,855
1,064,668
694,291
1,636,983
1,878,480
1,341,388
1,377,686
2,362,531
7,463,195
13,301,469
13,358,804
5,065,096
11,224,671
12,010,453
1,335,011
577,976
7,000
1,063,088
1,498,822
1,341,351
16,387,873
23,413,993
25,264,483
40,075
48,585
64,573
110,901
702,528
761,486
409,466
900,000
180,000
6,322,210
10,307,306
12,202,241
8,710,509
10,020,735
8,774,186
2,881,396
2,385,358
2,675,026
3,538,461
3,431,990
2,099,189
5,172,048
6,588,745
6,674,997
2,449,947
2,432,288
2,885,893
1,883,226
2,434,541
2,495,293
1,007,723
1,370,132
1,720,811
523,062
724,450
868,488
484,661
645,682
852,323
90,387
(3,168)
97,169
394,274
648,850
755,154
657,703
853,040
646,371
334,599
313,844
409,529
333,840
351,587
341,961
726,595
1,188,046
991,996
1,051,812
943,361
732,268
600,000
600,000
660,000
0.00
0.00
0.00
0.00
0.00
0.00
(342,708)
4,176,874
1,847,617
1,301,821
1,713,217
534,967
48.09%
47.13%
49.53%
2.96%
2.76%
3.37%
13.87%
0.11
7.67%
6.42%
4.03%
0.03
4.01%
3.64%
2.56%
2.41%
2.77%
2.99%
51.91%
52.87%
50.47%
0.46
0.30
0.34
0.20
0.14
0.17
0.51
0.41
0.53
1.75
1.57
1.11
0.92%
3.21%
3.27%
38.58%
44.02%
0.48
31.56%
28.14%
26.42%
8.15%
2.47%
0.03%
45.54%
56.81%
52.88%
652.47%
1733.76%
125345.51%
1.36
0.85
73.01%
33.08%
0.24
30.49%
40.62%
34.25%
23.92%
0.38
27.31%
28.03%
2.55%
-0.09%
4.63%
1.23
143.88%
78.47%
46.27%
37.31%
37.77%
0.17
0.20
0.06
12.64
14.56
14.46
0.18
0.07
0.00
-0.33
4.43
2.52
2015
(Thousand Rupees)
2013
2014
2015
14,904,978
18,079,359
23,895,251
14,460,458
16,323,080
19,889,988
1,086,785
1,513,220
2,094,971
(642,265)
243,059
1,910,292
(2,118,380)
(3,130,498)
(4,802,381)
45,228,787
54,856,247
78,901,438
58,169
125,342
126,493
8,000,678
8,664,284
10,893,373
33,581,490
42,730,482
63,084,832
3,588,450
3,336,139
4,796,740
58,015,386
69,805,108
97,994,308
2,908,717
3,464,599
4,700,656
7,217,115
6,502,405
10,362,456
1,518,118
1,150,351
3,875,981
12,655,954
14,565,967
13,541,319
28,316,645
36,892,137
55,351,880
284,021
444,029
894,820
272,650
380,440
652,421
28,043,995
36,511,697
54,699,459
1,914,457
2,526,436
3,557,475
3,757,030
5,083,653
7,256,962
8,849,209
11,612,712
15,164,038
3,065,137
3,446,738
4,050,260
5,784,071
8,165,974
11,113,778
427,890
526,450
764,028
5,356,183
7,639,524
10,349,750
2,368,991
4,285,093
6,614,286
6,639,437
9,908,871
13,510,143
6,417,572
8,674,769
11,214,893
1,085,738
2,015,767
3,453,890
690,450
1,600,899
2,654,184
1,446,045
1,632,307
1,988,998
N/A
N/A
N/A
N/A
N/A
N/A
3,451,222
1,161,828
3,821,407
394,917
132,388
65,963
65.36%
70.32%
73.29%
9.97%
0.12
11.34%
4.63%
8.85%
11.11%
1.19%
2.29%
2.71%
4.08%
6.14%
6.75%
9.23%
10.94%
10.56%
34.64%
29.68%
26.71%
5.91
4.30
3.25
59.18%
62.33%
62.03%
2.71
2.02
1.70
0.48
0.98
1.33
17.45%
14.28%
15.37%
21.81%
20.87%
13.82%
48.34%
52.31%
55.82%
57.88%
61.21%
64.38%
77.96%
78.58%
80.52%
84.32%
86.34%
87.74%
0.68
71.78%
74.82%
0.01
0.01
1.62%
0.96%
1.03%
1.18%
1.91%
2.46%
3.74%
156.94%
138.38%
117.11%
0.96
85.68%
72.91%
25.69%
0.26
24.38%
0.03
0.01
0.00
10.31
11.08
12.01
2.25
2.36
2.64
5.00
0.73
1.44
2015

(Thousand Rupees)
2013
2014
2015
636,199
547,310
469,644
800,000
800,000
800,000
(163,801)
(252,690)
(330,356)
21,149
16,924
124,275
51,365
76,180
76
10,563
14,634
14,627
113,636
36,731
61,553
760,475
619,824
562,748
6,434
11,802
17,391
445,505
258,332
197,455
176,711
147,084
44,486
102,610
201,748
2,679
4,306
23,426
2,378
4,103
20,524
42,108
98,507
181,224
60,583
78,396
79,583
29,134
25,703
87,095
61,117
65,768
83,211
154
517
552
60,963
65,251
82,659
2,378
6,968
25,893
58,585
58,283
56,766
2,130
20,358
20,611
160,480
166,839
215,012
152,189
166,680
214,942
(99,764)
(88,175)
(137,634)
(100,398)
(88,890)
77,666
80,000
80,000
80,000
0.00
0.00
0.00
0.00
0.00
0.00
(108,495)
(205,579)
(175,047)
582
15,946
99.75%
99.21%
99.34%
8.02%
10.53%
14.69%
-15.78%
-16.24%
16.54%
-0.13
-14.34%
0.14
0.28%
3.28%
3.66%
0.08
0.09
10.09%
0.25%
0.79%
0.66%
-1.53
-1.89
-1.56
253.74%
193.72%
2.07
71.45
8.19
10.43
-1.25
-1.11
0.97
59.43%
43.58%
38.18%
23.24%
23.73%
0.00
5.54%
15.89%
0.32
1.39%
2.36%
0.03
16.34%
8.29%
13.54%
421.15%
701.18%
1379.28%
421.15%
701.18%
1379.28%
6.02%
0.04
11.61%
5.35%
0.04
10.17%
0.42%
0.79%
4.99%
1.00
169.83%
126.16%
88.76%
95.29%
87.61%
83.66%
0.88
83.46%
0.00
0.03
0.00
7.95
6.84
5.87
0.02
0.03
0.03
1.08
2.31
-2.25
2015
(Thousand Rupees)
2013
2014
2015
103,169
909,010
1,979,794
300,000
1,100,000
2,200,000
50
1,280
1,280
(196,881)
(192,270)
(221,486)
413,872
(366,402)
(924,771)
796,342
1,216,346
4,615,456
11,111
12,621
24,184
762,026
1,193,507
4,546,697
23,205
10,218
44,575
1,313,383
1,758,954
5,670,479
62,801
68,227
237,837
504,775
528,252
1,758,683
291,102
190,767
257,598
341,838
798,673
2,654,416
91,783
101,396
119,238
22,821
32,535
65,993
319,017
766,138
2,588,423
81,355
93,726
351,136
54,333
111,844
476,802
139,326
239,419
447,155
52,355
78,964
187,446
86,971
160,455
259,709
29,545
19,577
30,135
57,426
140,878
229,574
15,013
33,508
97,872
124,560
165,665
351,792
124,560
165,665
351,792
(52,121)
8,721
(24,346)
(53,322)
6,148
(29,216)
30,000
110,000
220,000
0.00
0.00
0.00
0.00
0.00
0.00
24,158
(84,399)
1,189,850
62.42%
67.02%
58.08%
6.62%
9.12%
4.58%
-51.68%
0.68%
-1.48%
-4.06%
0.35%
-0.52%
1.14%
0.02
1.73%
4.37%
8.01%
4.05%
37.58%
32.98%
41.92%
-2.39
19.00
-14.45
80.71%
0.61
64.55%
8.30
4.94
3.59
-1.78
0.06
-0.13
43.21%
33.91%
35.21%
22.16%
10.85%
4.54%
24.29%
43.56%
45.65%
58.02%
67.85%
80.18%
60.63%
69.15%
81.39%
44.86%
66.92%
58.38%
44.86%
66.92%
58.38%
26.85%
0.13
4.49%
6.68%
4.07%
2.49%
88.96%
11.15%
6.02%
129.46%
60.17%
45.66%
24.86%
32.09%
55.35%
7.86%
51.68%
34.91%
0.00
0.00
0.00
3.44
8.26
9.00
7.39
1.31
2.30
-0.45
-13.73
-40.73
2015
(Thousand Rupees)
2013
2014
2015
4,048,720
4,212,302
5,986,349
4,731,980
4,731,980
6,348,887
276
35,505
68,843
(683,536)
(555,183)
(431,381)
(2,944,181)
(2,930,113)
(4,052,815)
2,874,325
5,098,281
6,518,384
1,813
4,922
5,840
201,100
115,001
2,735,464
4,656,177
6,057,364
137,048
236,082
340,179
3,978,864
6,380,470
8,451,918
180,993
320,861
356,638
948,330
597,224
409,991
397,759
447,527
1,039,196
2,036,069
4,028,415
5,478,758
13,199
35,918
126,351
16,822
33,747
60,082
2,019,247
3,994,668
5,418,676
235,159
582,647
776,652
197,376
437,543
450,765
692,975
1,247,136
1,899,754
212,456
361,257
534,669
480,519
885,879
1,365,085
16,260
47,783
105,654
464,259
838,096
1,259,431
130,528
235,217
326,172
599,918
1,042,525
1,340,382
589,803
1,030,557
1,322,012
(5,131)
30,787
245,220
1,380
176,137
166,695
473,198
473,198
634,889
0.00
0.00
0.00
0.00
0.00
0.00
66,381
202,113
162,476
69.34%
71.03%
71.86%
12.08%
13.88%
16.15%
0.03%
4.18%
2.78%
0.03%
2.76%
1.97%
3.28%
3.69%
3.86%
11.67%
13.14%
0.15
30.66%
28.97%
28.14%
-114.95
33.47
5.39
72.85%
70.33%
60.22%
4.52
4.38
4.05
0.00
0.37
0.26
28.38%
14.39%
9.07%
0.10
7.01%
0.12
50.75%
62.61%
64.11%
68.75%
72.98%
71.67%
72.24%
0.80
77.12%
74.43%
86.52%
90.45%
74.43%
82.94%
88.76%
0.65%
0.89%
2.31%
0.83%
0.84%
0.01
0.33%
0.85%
2.11%
96.66%
141.59%
175.85%
127.45%
93.96%
47.55%
101.76%
66.02%
70.83%
0.00
0.00
0.00
8.56
8.90
9.43
0.68
1.11
1.01
48.10
1.15
0.97
2015
(Thousand Rupees)
2013
2014
2015
2,749,253
3,285,364
3,934,189
1,705,000
1,705,000
1,705,001
305,399
446,042
610,874
738,854
1,134,322
1,618,314
9,626
764
17,301
10,530,778
13,406,306
22,744,856
24,296
63,102
42,081
2,746,106
3,729,877
5,890,397
7,132,919
8,682,473
15,583,727
627,457
930,854
1,228,651
13,289,657
16,692,434
26,696,346
617,892
701,036
1,001,222
311,548
353,301
944,009
942,371
417,604
2,383,353
1,038,901
836,886
1,847,825
8,859,405
12,238,252
17,466,883
69,651
136,018
428,587
102,510
132,413
220,352
8,756,895
12,105,839
17,246,531
275,184
322,920
548,979
1,346,866
1,954,848
2,724,427
2,278,273
3,129,490
4,406,622
615,348
809,557
1,219,287
1,662,925
2,319,933
3,187,335
169,123
157,687
279,100
1,493,802
2,162,246
2,908,235
583,894
694,697
845,831
1,539,744
1,914,533
2,572,084
1,522,834
1,889,932
2,444,676
537,952
942,410
1,181,982
363,198
703,212
824,165
170,500
170,500
170,500
0.00
0.00
0.00
0.00
0.00
0.00
298,527
(1,422,417)
2,035,233
52,673
32,720
49,205
72.99%
74.13%
72.33%
12.51%
0.14
11.94%
13.21%
0.21
20.95%
2.73%
4.21%
3.09%
4.39%
4.16%
3.17%
11.24%
12.95%
10.89%
27.01%
25.87%
27.67%
2.83
2.01
2.07
0.54
50.06%
48.97%
2.61
2.72
2.89
2.13
4.12
4.83
6.99%
6.32%
7.29%
7.82%
5.01%
6.92%
65.89%
72.52%
0.65
53.67%
52.01%
58.37%
79.24%
80.31%
0.85
1.24
140.95%
112.08%
89.68%
0.99
81.34%
0.79%
1.11%
2.45%
1.16%
1.08%
1.26%
2.53%
4.14%
10.89%
164.98%
119.09%
126.66%
147.18%
97.35%
51.41%
20.69%
19.68%
14.74%
0.02
0.01
0.01
16.12
19.27
23.07
2.59
2.64
3.96
0.82
-2.02
2.47
2015
(Thousand Rupees)
2013
2014
2015
1,364,594
2,040,729
2,473,641
1,000,000
1,498,372
1,498,372
89,305
128,840
220,782
275,289
413,517
754,487
85,656
85,375
70,860
8,344,012
9,671,512
11,761,982
4,457,250
4,204,216
4,156,925
3,618,714
5,159,810
7,255,316
268,048
307,486
349,741
9,794,262
11,797,616
14,306,483
209,957
308,723
472,108
1,697,755
1,686,938
1,752,698
2,451,195
3,971,191
2,171,796
4,845,000
5,192,071
9,085,508
15,149
51,109
14,520
54,644
66,894
86,317
4,790,356
5,125,177
8,999,191
244,171
222,810
221,427
400,828
482,777
689,263
1,402,013
1,731,236
2,053,934
617,778
793,087
741,048
784,235
938,149
1,312,886
65,522
62,231
142,489
718,714
875,918
1,170,397
375,977
328,027
601,382
757,019
918,213
1,121,540
757,019
918,213
1,121,540
337,672
285,732
650,238
244,249
197,679
459,705
100,000
149,837
149,837
0.00
0.00
0.00
0.00
0.00
0.00
1,461,279
1,009,488
(1,626,614)
55.94%
54.19%
63.92%
8.01%
7.95%
9.18%
0.18
9.69%
18.58%
2.49%
1.68%
3.21%
3.84%
2.78%
0.04
7.34%
7.42%
8.18%
44.06%
45.81%
36.08%
2.24
3.21
1.72
42.58%
44.59%
42.24%
2.01
2.80
1.86
2.44
1.32
3.07
19.48%
16.92%
15.55%
25.03%
33.66%
15.18%
48.91%
43.44%
0.63
36.95%
43.74%
50.71%
85.19%
81.98%
82.21%
133.89%
100.63%
125.23%
59.99%
55.45%
79.61%
0.31%
0.98%
0.16%
1.13%
1.29%
0.95%
1.11%
0.03
0.59%
119.91%
93.03%
165.08%
360.71%
130.88%
594.47%
13.93%
0.17
17.29%
0.00
0.00
0.00
13.65
13.62
16.51
2.65
2.53
2.93
5.98
5.11
-3.54
2015

(Thousand Rupees)
2013
2014
2015
825,157
1,069,607
1,074,234
901,820
1,151,820
1,151,820
5,916
7,395
8,832
(82,579)
(89,608)
(86,418)
(6,386)
(373)
227
60,325
45,698
52,722
28,730
22,128
24,845
31,595
23,570
27,877
879,096
1,114,932
1,127,183
2,583
1,946
1,752
12,220
5,997
22,164
575,747
732,747
545,926
73,325
79,087
105,195
139,267
223,832
369,038
10,687
3,523
32,589
2,801
2,854
10,322
136,466
220,978
358,716
17,056
21,928
37,085
61,699
52,249
56,345
99,112
119,803
168,665
332
250
250
98,780
119,553
168,415
30,973
3,021
18,032
67,807
116,532
150,383
8,617
13,614
23,862
120,936
128,982
162,773
120,686
128,958
162,457
(44,512)
1,164
11,472
(28,489)
(7,272)
5,748
90,182
115,182
115,182
0.00
0.00
0.00
0.00
0.00
0.00
(146,427)
(249,721)
67,336
2,888
1,328
99.67%
99.79%
99.85%
11.24%
10.72%
14.94%
-3.45%
-0.68%
0.54%
-3.24%
-0.65%
0.51%
0.98%
1.22%
2.12%
7.71%
10.45%
13.34%
0.33%
0.21%
0.15%
-2.71
110.79
14.16
112.26%
96.68%
84.55%
14.01
9.47
6.81
-0.32
-0.06
0.05
1.68%
0.71%
2.12%
8.34%
7.09%
9.33%
15.52%
19.82%
31.82%
3.27%
1.98%
0.02
6.86%
0.04
4.68%
484.74%
1011.53%
1485.36%
484.74%
1011.53%
1485.36%
7.67%
1.57%
8.83%
2.01%
1.28%
0.03
0.01
0.33%
3.03%
1105.78%
105.85%
174.69%
26.21%
81.01%
31.67%
93.86%
95.93%
0.95
0.00
0.00
0.00
9.15
9.29
9.33
0.03
0.02
0.02
5.14
34.34
11.71
2015
(Thousand Rupees)
2013
2014
2015
2,194,431
2,821,912
3,658,787
1,346,939
1,346,939
1,346,939
641,705
828,142
1,050,952
205,787
646,831
1,260,896
14,994
22,009
30,496
12,981,274
13,549,372
17,368,840
501,280
239,211
85,474
10,627,546
12,261,354
15,678,541
1,852,448
1,048,807
1,604,825
15,190,699
16,393,293
21,058,123
1,225,227
1,371,733
1,588,338
571,006
717,070
1,118,190
346,702
3,471,857
3,775,640
3,784,189
8,331,554
8,981,390
12,186,090
49,489
74,381
56,788
20,426
39,631
60,462
8,311,128
8,941,759
12,125,628
480,237
556,761
645,474
1,131,244
1,030,330
1,449,602
2,519,124
3,054,770
3,503,342
1,035,160
766,186
662,922
1,483,964
2,288,584
2,840,420
53,448
115,582
79,776
1,430,516
2,173,002
2,760,644
946,260
1,294,235
1,594,058
1,761,344
2,446,748
3,072,408
1,745,878
2,425,400
3,045,569
615,432
1,020,489
1,282,294
381,755
708,493
851,740
134,694
134,694
134,694
0.00
0.00
0.00
0.00
0.00
0.00
844,796
1,814,795
682,078
58.91%
74.92%
81.08%
9.77%
13.96%
13.49%
0.17
25.11%
23.28%
2.51%
4.32%
4.04%
6.23%
7.89%
7.57%
9.42%
13.26%
13.11%
41.09%
25.08%
18.92%
2.84
2.38
2.38
50.83%
56.26%
60.27%
1.85
1.87
1.91
2.83
5.26
6.32
11.82%
12.74%
12.85%
22.86%
23.03%
17.97%
54.71%
54.55%
57.58%
69.96%
74.79%
74.45%
85.46%
82.65%
82.48%
0.78
73.25%
77.72%
74.86%
71.85%
0.77
0.59%
0.83%
0.47%
0.25%
0.44%
0.01
2.26%
2.64%
1.55%
261.67%
291.65%
131.94%
41.27%
53.28%
106.47%
14.45%
17.21%
17.37%
0.00
0.00
0.00
16.29
20.95
27.16
4.84
4.35
4.29
2.21
2.56
0.80
2015
(Thousand Rupees)
2013
2014
2015
1,089,107
1,188,546
1,478,899
1,351,501
1,351,501
1,351,501
42,092
63,974
126,317
(304,486)
(226,929)
1,081
19,525
48,593
65,507
8,405,410
9,437,591
10,642,931
20,743
28,328
47,263
296,042
289,880
645,576
7,814,981
8,749,901
9,661,088
273,644
369,482
289,004
9,514,042
10,674,730
12,187,337
504,071
484,308
622,106
1,019,600
747,842
1,045,644
4,050,851
4,273,049
4,029,765
3,499,317
4,479,999
5,639,743
31,362
37,104
89,091
48,899
63,308
114,131
3,450,418
4,416,691
5,525,612
141,607
205,717
382,967
347,495
547,123
581,243
1,430,006
1,655,588
1,972,947
518,283
590,199
595,485
911,723
1,065,389
1,377,462
59,277
109,972
72,822
852,446
955,417
1,304,640
98,489
124,301
132,472
839,158
979,539
1,052,103
833,981
976,722
1,050,301
111,777
100,179
385,009
143,099
109,411
311,715
135,150
135,150
135,150
0.00
0.00
0.00
0.00
0.00
0.00
630,817
(185,149)
316,614
300,000
63.76%
64.35%
69.82%
9.58%
9.98%
0.11
13.14%
9.21%
21.08%
0.02
1.02%
2.56%
1.04%
1.16%
1.09%
8.96%
8.95%
0.11
36.24%
35.65%
30.18%
7.46
9.75
2.73
0.55
55.03%
49.97%
8.47
7.86
7.93
1.06
0.81
2.31
16.01%
11.54%
13.68%
42.58%
40.03%
33.07%
36.27%
41.38%
45.34%
82.14%
81.97%
79.27%
88.35%
88.41%
87.33%
44.78%
0.51
58.38%
43.14%
49.56%
54.72%
0.01
0.83%
1.58%
0.01
1.41%
2.02%
2.88%
3.12%
6.02%
121.22%
173.71%
63.81%
155.92%
170.62%
128.11%
11.45%
11.13%
12.13%
0.28
0.00
0.00
8.06
8.79
10.94
7.18
7.36
6.53
4.41
-1.69
1.02
2015
(Thousand Rupees)
2013
2014
2015
1,064,531
967,566
1,074,765
1,185,714
1,185,714
1,285,714
2,042
2,042
4,049
(123,225)
(220,190)
(214,998)
(25,714)
(10,817)
(26,710)
342,693
875,260
1,222,867
130
16,369
7,125
205,178
702,579
1,065,316
137,385
156,312
150,426
1,381,510
1,832,009
2,270,922
25,740
74,143
136,676
704,613
452,986
555,408
294,736
517,956
180,483
41,381
346,493
919,381
22
267
4,230
342
2,365
6,480
41,039
344,128
912,901
198,884
220,570
222,413
116,498
222,226
263,041
97,194
144,578
236,598
1,305
16,533
53,890
95,889
128,045
182,708
363
2,046
4,957
95,526
125,999
177,751
20,074
136,281
320,954
218,388
398,915
468,786
218,388
398,322
468,366
(102,788)
(136,636)
29,919
(45,062)
(96,965)
8,030
118,571
118,571
128,571
0.00
0.00
0.00
0.00
0.00
0.00
145,435
64,301
(180,120)
38,774
52,385
12,199
98.66%
88.56%
77.22%
6.94%
6.99%
8.05%
-4.23%
-10.02%
0.75%
-3.26%
-5.29%
0.35%
1.45%
7.44%
14.13%
6.91%
6.88%
7.83%
1.34%
11.44%
22.78%
-2.12
-2.92
15.65
186.23%
142.03%
84.08%
10.88
2.92
1.46
-0.38
-0.82
0.06
52.87%
28.77%
30.48%
21.33%
28.27%
7.95%
2.97%
18.78%
0.40
14.85%
38.35%
46.91%
24.81%
47.78%
53.85%
20.17%
49.32%
0.86
20.17%
49.32%
0.86
0.05%
0.08%
0.46%
0.83%
0.68%
0.01
0.00
0.03%
0.39%
106.14%
86.51%
0.77
1554.55%
885.77%
153.19%
77.06%
52.81%
47.33%
0.04
0.05
0.01
8.98
8.16
8.36
0.19
0.73
0.99
-3.23
-0.66
-22.43
2015
(Thousand Rupees)
2013
2014
2015
829,817
1,037,013
999,736
1,137,504
1,451,754
1,451,754
(307,687)
(414,741)
(452,018)
314,228
(683)
600
769,353
1,504,516
3,894,790
645,369
1,287,919
3,197,311
123,984
216,597
697,479
1,913,398
2,540,846
4,895,126
73,019
121,820
266,578
1,001,763
1,154,463
2,402,370
409,517
326,780
125,272
178,328
500,402
1,350,315
1,007
2,590
7,758
177,321
497,812
1,342,557
180,221
220,961
289,235
71,557
219,010
469,114
130,069
224,924
353,308
11,966
30,188
54,711
118,102
194,736
298,597
1,001
1,583
5,170
117,102
193,153
293,427
188,009
1,404,855
2,651,072
517,890
1,746,912
3,138,167
352,234
574,320
1,018,142
(212,779)
(148,904)
(193,668)
(215,960)
(107,054)
(37,277)
113,750
145,175
145,175
0.00
0.00
0.00
0.00
0.00
0.00
234,751
218,396
1,340,928
30,009
4,559
0.91
86.58%
84.51%
6.17%
7.66%
0.06
-26.03%
-10.32%
-3.73%
-11.29%
-4.21%
-0.76%
9.83%
55.29%
54.16%
6.12%
0.08
5.99%
0.09
13.42%
15.49%
-1.66
-3.86
-5.26
162.82%
107.19%
104.45%
1.87
0.41
0.38
-1.90
-0.74
-0.26
56.17%
50.23%
54.52%
0.21
12.86%
2.56%
9.27%
19.59%
27.43%
33.73%
50.69%
65.32%
40.21%
59.21%
79.56%
27.63%
38.85%
42.23%
27.63%
38.85%
42.23%
0.00
0.00
0.00
0.56%
0.52%
0.57%
0.00
0.00
0.00
0.99
61.12%
66.64%
370.00 -
43.37%
40.81%
20.42%
0.00
0.03
0.00
7.30
7.14
6.89
0.78
1.24
3.20
-1.09
-2.04
-35.97
2015
(Thousand Rupees)
2013
2014
2015
4,953,107
5,310,668
5,661,482
4,612,867
4,612,867
4,612,867
2,576,718
2,811,118
3,292,755
(2,236,478)
(2,113,317)
(2,244,140)
204,811
198,135
218,558
29,308,517
30,182,889
33,266,170
16,036,251
16,227,921
19,715,100
2,020,402
757,191
509,828
5,303,638
5,955,453
6,724,981
8,712,211
9,515,277
12,480,291
13,272,266
13,954,968
13,551,070
34,466,434
35,691,692
39,146,210
18,113,593
19,683,239
22,078,274
12,974,246
14,235,391
15,900,161
1,970,728
2,018,966
2,151,547
3,168,619
3,428,882
4,026,566
16,352,841
16,008,453
17,067,936
2,012
1,833
1,719
313,689
153,711
309,662
2,006,554
1,190,316
1,204,357
19,531
19,531
19,291
2,341,786
1,365,391
1,535,029
14,011,055
14,643,062
15,532,907
2,667,510
2,784,141
2,997,624
907,545
1,017,290
970,450
3,575,055
3,801,431
3,968,074
66,081
54,609
56,431
1,002,481
1,007,121
1,129,058
4,643,617
4,863,161
5,153,563
1,110,873
1,158,795
1,248,354
676,382
772,660
870,687
518,810
554,789
629,916
400,962
400,962
400,962
N/A
N/A
N/A
N/A
N/A
N/A
(9,242)
(446,963)
(1,168,730)
10.47%
10.45%
11.13%
3.19%
3.55%
0.03
1.51%
1.55%
1.61%
11.17%
11.41%
12.22%
76.99%
78.17%
0.77
2.14
2.09
1.98
1.29
1.38
1.57
6.79%
3.83%
3.92%
37.64%
39.88%
40.62%
1.23
1.15
1.26
0.85
0.85
0.85
14.37%
14.88%
14.46%
12.35
13.24
14.12
-0.02
-0.81
-1.86
0.00
-0.03
-0.09
2015

(Thousand Rupees)
2013
2014
2015
121,025
134,156
148,150
107,444
107,444
107,444
19,562
25,036
27,835
(5,981)
1,676
12,871
84,940
54,692
64,427
43,611
21,929
25,182
43,611
21,929
25,182
41,329
32,763
39,245
205,965
188,848
212,577
169,956
111,574
113,318
139,366
89,785
86,541
30,590
21,789
26,777
36,009
77,274
99,259
16
22
13
193
522
235
9,531
9,531
9,291
9,740
10,075
9,539
26,269
67,199
89,720
11
36,234
34,828
34,038
36,245
34,828
34,038
5,275
651
1,352
41,520
35,479
35,390
7,470
8,462
8,904
24,839
20,762
21,231
14,238
13,130
13,994
10,744
10,744
10,744
0.00
0.00
0.00
0.00
0.00
0.00
22,391
(7,640)
2,466
11.76%
9.79%
9.45%
15.09%
0.13
12.25%
6.91%
6.95%
6.58%
34.29%
37.01%
39.54%
0.87
98.17%
96.18%
0.52
0.64
0.64
1.33
1.22
1.30
4.73%
5.33%
4.49%
0.00
0.00
0.00
0.87
2.36
2.53
0.41
0.29
0.30
58.76%
71.04%
69.69%
11.26
12.49
13.79
1.57
-0.58
0.18
0.54
-0.23
0.06
2015

(Thousand Rupees)
2013
2014
2015
75,927
75,140
75,249
215,000
215,000
215,000
59,236
59,236
59,257
(198,309)
(199,096)
(199,008)
138,826
148,693
159,213
132,029
140,927
154,582
128,029
125,927
129,582
4,000
15,000
25,000
6,797
7,766
4,631
214,753
223,833
234,462
202,838
219,993
221,689
199,978
217,617
219,667
2,595
2,111
1,756
265
265
266
11,915
3,840
12,773
25
13
17
9,955
1,846
11,449
9,980
1,859
11,466
1,935
1,981
1,307
8,285
9,544
10,667
8,285
9,544
10,667
921
702
319
9,206
10,246
10,986
10,805
11,210
12,038
3,573
(677)
(1,705)
3,325
(1,075)
102
21,500
21,500
21,500
0.00
0.00
0.00
0.00
0.00
0.00
(4,559)
(745)
(3,308)
4.38%
-1.43%
0.14%
1.72%
-0.31%
-0.74%
1.55%
-0.48%
0.04%
36.12%
-10.49%
0.93%
0.90
93.15%
0.97
3.25
-10.43
118.02
0.15
-0.05
0.00
4.65%
0.83%
4.89%
93.12%
97.22%
93.69%
1.75
0.49
2.76
0.65
0.66
0.68
35.36%
33.57%
32.09%
3.53
3.49
3.50
-1.37
0.69
-32.43
-0.67
-0.10
-0.71
2015

(Thousand Rupees)
2013
2014
2015
740,748
766,079
816,223
500,000
500,000
500,000
113,871
119,137
129,277
126,877
146,942
186,946
512,176
530,165
393,980
296,885
253,245
166,278
100,000
50,000
194,204
197,039
151,716
2,681
6,206
14,562
215,291
276,920
227,702
1,252,924
1,296,244
1,210,203
781,119
774,600
605,279
763,608
757,389
586,736
7,256
8,056
6,000
10,255
9,155
12,543
471,805
521,644
604,924
94
95
51
2,921
1,053
48,514
25,567
24,376
2,263
28,582
25,524
50,828
443,223
496,120
554,096
100,267
115,747
106,706
100,267
115,747
106,706
13,602
2,461
15,974
113,869
118,208
122,680
47,289
53,672
60,694
24,763
46,174
68,529
25,858
26,331
50,704
50,000
50,000
50,000
0.00
0.00
0.00
0.00
0.00
0.00
(153,408)
45,326
186,178
3.49%
3.44%
6.21%
2.39%
4.53%
6.97%
2.06%
2.03%
4.19%
22.71%
22.28%
41.33%
88.05%
97.92%
86.98%
1.83
2.04
1.20
0.52
0.53
1.01
2.28%
1.97%
0.04
60.95%
58.43%
48.48%
2.19
1.88
2.66
0.41
0.41
0.33
59.12%
0.59
67.45%
14.81
15.32
16.32
-5.93
1.72
3.67
-0.71
0.16
0.82
2015
(Thousand Rupees)
2013
2014
2015
2,588,659
2,982,820
3,437,020
820,529
820,529
820,529
1,768,130
2,162,291
2,616,491
83,077
81,109
112,009
20,455,693
21,384,785
24,768,619
13,080,075
12,205,291
15,786,075
913,950
280,307
3,823,978
4,484,318
5,238,768
8,342,147
7,440,666
10,547,307
7,375,618
9,179,494
8,982,544
23,127,429
24,448,714
28,317,648
12,255,164
13,579,729
16,206,356
8,078,921
9,335,719
11,355,850
1,559,985
1,766,703
1,761,811
2,616,258
2,477,307
3,088,695
10,872,265
10,868,985
12,111,292
1,543
1,357
1,322
229,064
99,127
171,964
1,599,528
1,087,936
1,105,942
1,830,135
1,188,420
1,279,228
9,042,130
9,680,565
10,832,064
1,900,147
1,974,466
2,261,355
850,049
952,632
899,997
2,750,196
2,927,098
3,161,352
21,446
13,493
4,912
788,675
879,275
1,042,706
3,560,317
3,819,866
4,208,970
730,593
755,241
831,863
414,451
640,101
859,904
337,951
516,113
670,904
82,053
82,053
82,053
0.22
0.35
0.45
0.00
0.00
0.00
332,870
(560,501)
(1,770,671)
13.06%
0.17
19.52%
2.63%
4.19%
4.45%
1.46%
2.11%
2.37%
9.49%
13.51%
15.94%
77.25%
76.63%
75.11%
2.16
1.46
1.24
4.12
6.29
8.18
7.91%
4.86%
4.52%
34.93%
38.18%
0.40
1.47
1.18
1.35
0.88
0.87
0.87
11.19%
0.12
12.14%
31.55
36.35
41.89
0.98
-1.09
-2.64
0.05
-0.06
-0.20
2015

(Thousand Rupees)
2013
2014
2015
419,169
450,618
503,233
253,698
253,698
253,698
50,104
55,948
66,005
115,367
140,972
183,530
45,663
44,205
44,217
445,378
714,306
953,307
287,279
334,516
486,656
176,345
204,525
345,791
110,934
129,991
140,865
158,099
379,790
466,651
910,210
1,209,129
1,500,757
579,686
745,552
1,003,034
492,150
623,154
850,950
83,756
100,976
125,764
3,780
21,422
26,320
330,524
463,577
497,723
16
17
17,893
18,729
43,737
2,303
3,073
3,462
20,212
21,807
47,216
310,312
441,770
450,507
73,438
84,549
102,551
(2,540)
4,721
14,601
70,898
89,270
117,152
6,132
5,378
3,648
77,030
94,648
120,800
31,696
37,095
46,156
46,700
47,679
54,314
27,280
29,221
50,285
25,370
25,370
25,370
0.00
0.00
0.00
0.00
0.00
0.00
(60,135)
(117,996)
(59,713)
6.51%
6.48%
9.99%
6.21%
5.75%
5.25%
0.03
2.42%
3.35%
35.41%
30.87%
41.63%
92.04%
94.32%
96.98%
1.16
1.27
0.92
1.08
1.15
1.98
2.22%
0.02
3.15%
54.07%
51.54%
0.57
2.09
1.22
1.07
0.49
0.59
0.64
46.05%
37.27%
33.53%
16.52
17.76
19.84
-2.20
-4.04
-1.19
-0.38
-0.31
-0.13
2015

(Thousand Rupees)
2013
2014
2015
199,526
188,445
171,344
320,000
320,000
320,000
48,466
48,466
48,466
(168,940)
(180,021)
(197,122)
807
2,029
3,103
341,751
467,910
393,869
62,452
72,553
58,533
724
56,649
65,972
53,041
5,079
6,581
5,492
279,299
395,357
335,336
542,084
658,384
568,316
121,056
224,628
120,025
98,780
154,887
91,803
14,206
10,466
9,298
8,070
59,275
18,924
421,028
433,756
448,291
57
90
89
5,976
5,430
3,026
3,988
3,209
4,283
10,021
8,729
7,398
411,007
425,027
440,893
20,573
34,870
21,239
20,573
34,870
21,239
178
14
7,641
11,336
6,650
28,392
46,220
27,889
29,416
37,945
37,305
(7,433)
(10,583)
(21,106)
(7,717)
(11,046)
(17,312)
32,000
32,000
32,000
0.00
0.00
0.00
0.00
0.00
0.00
28,985
(115,730)
26,536
-3.87%
-5.86%
-0.10
-2.83%
-4.02%
-9.06%
-1.42%
-1.68%
-3.05%
-27.18%
-0.24
-62.07%
72.46%
75.44%
76.16%
-3.81
-3.44
-2.15
-0.24
-0.35
-0.54
1.85%
1.33%
0.01
18.22%
23.53%
16.15%
1.51
1.10
1.34
0.63
0.71
0.69
36.81%
28.62%
30.15%
6.24
5.89
5.35
-3.76
10.48
-1.53
0.10
-0.29
0.08
2015

(Thousand Rupees)
2013
2014
2015
(373,341)
(371,059)
(556,765)
979,813
979,813
979,813
176,485
177,928
177,928
(1,529,639)
(1,528,800)
(1,714,506)
34,135
33,356
25,764
1,938,618
1,560,205
1,544,668
557,613
103,854
74,155
426,814
15,278
46,201
7,330
3,750
84,598
81,246
70,405
1,381,005
1,456,351
1,470,513
1,599,412
1,222,502
1,013,667
229,552
84,510
115,032
135,787
17,737
8,752
35,933
21,636
64,673
57,832
45,137
41,607
1,369,860
1,137,992
898,635
148
102
88
39,906
23,450
3,335
73,821
38,722
88,407
113,875
62,274
91,830
1,255,985
1,075,718
806,805
29,322
47,128
16,195
3,830
2,678
2,556
33,152
49,806
18,751
239,846
158,009
42,134
272,998
207,815
60,885
75,223
58,627
59,868
132,528
4,859
(190,826)
140,550
7,218
(192,928)
45,160
45,160
45,160
0.00
0.00
0.00
0.00
0.00
0.00
120,168
163,326
34,965
-37.65%
-1.95%
34.65%
60.68%
-2.08%
41.77%
8.79%
0.59%
-19.03%
51.48%
3.47%
-316.87%
12.14%
23.97%
0.31
0.54
8.12
-0.31
3.11
0.16
-4.27
7.12%
5.09%
9.06%
8.49%
1.45%
0.86%
0.99
0.78
0.61
1.21
1.28
1.52
-23.34%
-30.35%
-54.93%
-8.27
-8.22
-12.33
0.85
22.63
-0.18
0.09
0.11
0.02
2015
(Thousand Rupees)
2013
2014
2015
253,390
124,905
103,044
438,028
438,028
438,028
181,867
181,867
181,867
(366,505)
(494,990)
(516,851)
41,129
37,436
33,465
873,485
756,609
727,133
523,202
48,145
302,007
453,914
15,773
272,328
69,288
30,107
29,679
2,265
350,283
708,464
425,126
1,168,003
918,950
863,642
606,070
404,172
506,457
154,530
62,292
65,908
125,857
15,652
93,423
325,683
326,228
347,126
561,933
514,778
357,185
37
18
4,454
3,554
27,402
33,000
10,000
10,000
10,000
14,491
46,563
37,420
547,442
468,215
319,765
46,021
26,911
9,186
1,795
4,020
4,241
47,816
30,931
13,427
(583)
(70,729)
(64,657)
4,123
(23,496)
(33,726)
17,550
77,194
78,600
79,895
(120,854)
(133,599)
(47,066)
(128,888)
(134,927)
(28,521)
36,300
36,300
36,300
0.00
0.00
0.00
0.00
0.00
0.00
87,721
107,327
(27,574)
-50.87%
-108.02%
-27.68%
-14.78%
-63.47%
-10.73%
-11.03%
-14.68%
-0.03
548.55%
400.07%
-162.51%
-203.51%
-91.71%
76.51%
-0.60
-0.58
-2.80
-3.55
-3.72
-0.79
1.24%
5.07%
4.33%
13.23%
6.78%
7.63%
1.60
0.73
0.84
0.75
0.82
0.84
21.69%
13.59%
11.93%
6.98
3.44
2.84
-0.68
-0.80
0.97
0.25
0.15
-0.06
2015

(Thousand Rupees)
2013
2014
2015
928,004
959,564
963,984
978,355
978,355
978,355
158,997
(18,791)
(14,371)
(209,348)
4,517,650
4,565,524
4,260,954
1,053,105
3,047,461
2,661,632
125,000
395,833
237,500
808,944
840,235
772,654
119,161
1,811,393
1,651,478
3,464,545
1,518,063
1,599,322
5,445,654
5,525,088
5,224,938
3,168,152
3,538,481
3,187,084
3,050,492
3,066,596
2,720,495
1,774
3,581
2,281
115,886
468,304
464,308
2,277,502
1,986,607
2,037,854
76
140
104
3,327
301,347
304,750
140
104
1,972,752
1,986,467
2,037,750
489,446
490,926
469,725
18,177
18,411
15,017
507,623
509,337
484,742
45,040
41,102
51,519
11,118
13,966
12,152
563,781
564,405
548,413
101,187
117,943
111,631
157,815
157,944
127,412
106,213
109,824
82,688
97,835
97,835
97,835
0.08
0.00
0.00
0.00
0.00
0.00
(383,275)
39,670
442,391
11.45%
11.45%
8.58%
7.97%
3.94%
3.51%
1.95%
1.99%
1.58%
18.84%
19.46%
15.08%
90.04%
90.24%
88.39%
0.95
1.07
1.35
1.09
1.12
0.85
0.06
0.00
0.00
56.02%
0.56
52.07%
0.66
1.31
1.27
0.83
0.83
0.82
17.04%
17.37%
18.45%
9.49
9.81
9.85
-3.61
0.36
5.35
-0.11
0.03
0.28
2015
(Thousand Rupees)
2013
2014
2015
499,577
(260,669)
(393,419)
8,809,385
8,809,385
8,880,959
(852,569)
(849,331)
(836,961)
(7,457,239)
(8,220,723)
(8,437,417)
660,550
689,084
688,577
10,912,738
10,515,132
10,110,762
8,235,741
7,188,761
6,482,682
2,676,997
3,326,371
3,628,080
12,072,865
10,943,546
10,405,921
7,760,538
6,832,848
5,257,330
320,918
233,487
300,689
7,439,620
6,599,361
4,956,641
4,312,327
4,110,698
5,148,591
1,251,020
1,731,111
3,312,273
958,758
997,772
750,031
2,102,549
1,381,815
1,086,287
897,821
675,004
668,655
653,923
546,639
532,092
243,898
128,365
136,563
414,558
190,190
58,344
(326,234)
(166,124)
33,567
749,426
(188,900)
(180,863)
880,940
880,940
888,097
N/A
N/A
N/A
N/A
N/A
N/A
(240,378)
(983,409)
229,281
150.01%
72.47%
45.97%
-0.09
-4.42%
0.86%
6.21%
-1.73%
-1.74%
83.47%
-27.99%
-27.05%
87.26%
-289.38%
-2.94
0.85
-0.21
-0.20
0.94
0.95
0.81
0.90
0.96
0.97
7.94%
9.12%
7.21%
4.14%
-2.38%
-3.78%
0.57
-0.30
-0.44
-0.32
5.21
-1.27
2015
(Thousand Rupees)
2013
2014
2015
267,977
223,814
188,885
441,000
441,000
441,000
158,497
158,497
158,497
(331,520)
(375,683)
(410,612)
31,074
26,818
26,826
958,568
1,498,996
1,325,275
684,265
1,104,230
1,035,159
274,303
394,766
290,116
1,257,619
1,749,628
1,540,986
778,629
1,298,298
1,056,963
49,239
53,225
29,359
729,390
1,245,073
1,027,604
478,990
451,330
484,023
105,879
114,259
107,369
100,981
149,409
149,352
272,130
187,662
227,302
239,709
190,833
217,988
78,682
117,899
134,989
161,027
72,934
82,999
78,102
4,371
3,912
(1,910)
(40,213)
(61,604)
(2,637)
(45,978)
(36,654)
44,100
44,100
44,100
0.00
0.00
0.00
0.00
0.00
0.00
4,552
65,486
416
-0.98%
-20.54%
-19.41%
-0.33%
-6.23%
-12.18%
-0.21%
-2.63%
-2.38%
-0.01
-24.09%
-16.81%
-2983.77%
-256.42%
-368.28%
-0.06
-1.04
-0.83
1.14
1.18
1.02
0.76
0.86
0.86
8.03%
8.54%
9.69%
21.31%
12.79%
12.26%
6.08
5.08
4.28
-1.73
-1.42
-0.01
2015

(Thousand Rupees)
2013
2014
2015
651,245
649,417
672,776
650,000
650,000
650,000
117,663
117,942
122,546
(116,418)
(118,525)
(99,770)
(10,212)
(10,384)
(10,372)
197,097
98,521
30,214
117,097
90,353
26,288
80,000
8,168
3,926
838,130
737,554
692,618
421,197
182,852
360,288
5,634
382
8,880
415,563
182,470
351,408
416,933
554,702
332,330
9,397
6,599
6,077
265,544
413,544
199,526
141,992
134,559
126,727
92,611
60,453
81,247
54,412
42,455
43,973
38,199
17,998
37,274
36,131
12,402
9,723
(14,334)
4,023
28,665
(6,271)
1,394
23,016
65,000
65,000
65,000
0.00
0.00
0.00
0.00
0.00
0.00
(180,336)
6,458
47,623
-0.96%
0.21%
3.42%
-1.99%
0.62%
0.04
-0.75%
0.19%
3.32%
-6.77%
2.31%
28.33%
-867.68%
3045.55%
191.05%
-0.10
0.02
0.35
3.60
2.02
13.71
0.24
0.13
0.04
31.68%
56.07%
28.81%
0.78
88.05%
97.14%
10.02
9.99
10.35
28.76
4.63
2.07
2015
(Thousand Rupees)
2013
2014
2015
232,161
62,583
185,325
1,342,326
1,342,326
1,483,900
333,745
333,745
335,047
(1,443,910)
(1,613,488)
(1,633,622)
(5,006)
(6,983)
(3,298)
925,733
947,291
783,832
844,226
947,272
783,813
81,507
19
19
1,152,888
1,002,891
965,859
562,997
534,388
481,637
67,003
25,979
49,162
495,994
508,409
432,475
589,891
468,503
484,222
4,796
5,524
2,289
195,985
188,083
187,478
389,110
274,896
294,455
77,387
27,825
45,901
73,224
66,023
41,845
4,163
(38,198)
4,056
14,994
49,476
45,528
(18,886)
(140,907)
6,780
(140,945)
(140,945)
6,509
134,233
134,233
148,390
0.00
0.00
0.00
0.00
0.00
0.00
(3,028)
(26,315)
49,550
-60.71%
-225.21%
3.51%
-6.12%
-253.34%
3.72%
-12.23%
-14.05%
0.67%
-182.13%
-506.54%
14.18%
-51.95%
-46.84%
642.88%
-1.05
-1.05
0.04
0.67
0.56
0.61
0.80
0.94
0.81
0.17
18.75%
19.41%
20.14%
6.24%
19.19%
1.73
0.47
1.25
0.02
0.19
7.61
2015
(Thousand Rupees)
2013
2014
2015
(149,953)
(269,075)
(463,775)
2,121,025
2,121,025
2,121,025
115,190
115,190
118,691
(2,386,168)
(2,505,290)
(2,703,491)
651,367
650,000
650,000
1,762,784
1,012,550
850,901
1,564,462
727,550
597,901
198,322
285,000
253,000
2,264,198
1,393,475
1,037,126
1,778,213
950,329
841,066
147,472
75,665
192,791
1,630,741
874,664
648,275
485,985
443,146
196,060
52,818
38,745
42,727
89,847
78,038
61,136
343,320
326,363
92,197
239,085
129,942
172,423
198,310
137,738
157,575
40,775
(7,796)
14,848
234,161
62,462
3,242
(372,330)
(110,382)
34,699
673,711
(119,122)
(194,700)
212,103
212,103
212,103
0.00
0.00
0.00
0.00
0.00
0.00
219,730
(643,362)
91,873
-449.28%
44.27%
41.98%
-53.21%
-16.58%
0.08
29.75%
-8.55%
-18.77%
281.79%
-91.67%
-112.92%
29.44%
-115.63%
-80.93%
3.18
-0.56
-0.92
1.14
1.31
1.41
0.78
0.73
0.82
3.97%
0.06
5.89%
-6.62%
-19.31%
-44.72%
-0.71
-1.27
-2.19
0.33
5.40
-0.47
2015

(Thousand Rupees)
2013
2014
2015
71,344
170,068
176,224
2,848,669
2,848,669
2,848,669
(2,022,076)
(2,022,076)
(2,022,076)
(755,249)
(656,525)
(650,369)
(1,418)
11,908
7,005
1,330,888
1,170,678
1,029,604
1,102,297
909,404
838,702
228,591
261,274
190,902
1,400,814
1,352,653
1,212,834
863,284
757,826
667,004
11,451
10,933
2,027
851,833
746,893
664,977
537,530
594,827
545,830
80,512
70,495
153,987
74,719
109,323
105,494
382,299
415,009
286,349
107,919
76,157
64,351
101,618
51,782
38,323
6,301
24,375
26,028
(29,787)
24,654
(8,768)
205,117
100,566
6,844
351,809
98,725
6,155
284,867
284,867
284,867
0.00
0.00
0.00
0.00
0.00
0.00
18,132
93,260
114,799
493.12%
58.05%
3.49%
68.71%
22.69%
1.83%
25.11%
0.07
0.51%
325.99%
129.63%
9.56%
28.88%
52.45%
622.63%
1.23
0.35
0.02
0.78
0.83
0.80
0.95
0.87
0.85
5.33%
8.08%
0.09
5.09%
12.57%
14.53%
0.25
0.60
0.62
0.05
0.94
18.65
2015

(Thousand Rupees)
2013
2014
2015
527,539
517,324
519,173
514,336
514,336
514,336
143,381
145,543
145,713
(130,178)
(142,555)
(140,876)
(23,767)
(787)
(95)
215,660
29,680
37,975
215,660
29,680
37,975
719,432
546,217
557,053
598,260
485,356
485,500
34,272
54,904
11,986
563,988
430,452
473,514
121,172
60,861
71,553
1,208
1,062
11,569
77,006
26,182
26,182
42,958
33,617
33,802
72,622
74,176
43,808
35,936
36,259
38,675
36,686
37,917
5,133
29,399
23,381
1,747
7,287
14,537
3,387
5,336
12,206
848
51,434
51,434
51,434
0.00
0.00
0.00
0.00
0.00
0.00
(146,433)
(350,259)
(51,917)
1.01%
2.36%
0.16%
1.45%
2.81%
0.65%
0.74%
2.23%
0.15%
7.35%
16.46%
1.94%
673.46%
297.06%
4560.73%
0.10
0.24
0.02
2.77
16.35
12.78
0.30
0.05
0.07
0.11
4.79%
0.05
73.33%
94.71%
0.93
10.26
10.06
10.09
-27.44
-28.70
-61.22
2015
(Thousand Rupees)
2013
2014
2015
(1,100,736)
(1,614,800)
(1,672,027)
892,029
892,029
822,029
301,031
301,828
304,621
(2,293,796)
(2,808,657)
(2,798,677)
18,512
18,512
18,511
5,522,008
5,757,416
6,052,961
3,707,734
3,380,272
3,162,844
1,814,274
2,377,144
2,890,117
4,439,784
4,161,128
4,399,445
2,757,958
2,623,799
1,364,872
5,847
12,399
6,484
2,752,111
2,611,400
1,358,388
1,681,826
1,537,329
3,034,573
996,410
1,494,427
2,988,255
154,676
33,193
20,863
530,740
9,709
25,455
68,488
115,618
42,937
111,741
94,483
76,712
(43,253)
21,135
(33,775)
51,558
13,444
2,960
(131,178)
6,252
14,796
(131,577)
4,820
13,963
89,203
89,203
82,203
0.00
0.00
0.00
0.00
0.00
0.00
(152,995)
(128,677)
(23,063)
11.95%
0.00
-0.84%
-17.92%
0.01
0.01
-2.96%
0.12%
0.32%
-192.12%
4.17%
32.52%
-84.92%
1960.23%
549.39%
-1.48
0.05
0.17
0.74
0.78
0.43
1.24
1.38
1.38
3.48%
0.01
0.47%
-24.79%
-38.81%
-38.01%
-12.34
-18.10
-20.34
1.16
-26.70
-1.65
2015
(Thousand Rupees)
2013
2014
2015
23,447,193
15,148,996
12,524,093
15,819,717
8,067,492
7,486,742
4,518,172
3,977,913
3,977,913
3,109,304
3,103,591
1,059,438
5,492,166
6,803,156
6,786,592
840,821
1,216,336
703,170
58,280
46,286
52,437
782,541
1,170,050
650,733
29,780,180
23,168,488
20,013,855
1,615,183
1,000,154
2,171,164
27,818,517
21,213,811
17,618,188
346,480
954,523
224,503
7,566,599
4,313,050
1,117,174
380,709
212,353
156,096
1,163,862
701,381
608,111
15,956
1,153,462
(60,155)
14,974
2,607,760
1,125,739
(437,082)
2,229,768
2,332,192
744,599
31,038
1,540
14,520
917,661
751,211
652,783
474,336
392,132
377,651
20,295
14,356
13,201
114,816
2,775
2,018
337,240
368,529
230,842
(29,026)
(26,581)
29,071
6,648,938
3,561,839
464,391
1,658,021
882,798
824,723
N/A
N/A
N/A
N/A
N/A
N/A
1,674,424
3,043,711
3,720,884
79.59%
78.81%
31.59%
0.00
0.00
1.43%
87.87%
82.58%
41.57%
22.33%
15.37%
2.32%
51.69%
0.52
57.85%
9.54
9.14
9.08
4.01
4.03
0.56
5.42%
4.32%
10.85%
2.82%
5.25%
3.51%
53.12%
34.82%
37.41%
0.25
0.85
8.01
2015

(Thousand Rupees)
2013
2014
2015
761,813
1,666,697
1,744,806
760,492
760,492
760,492
1,321
500
500
905,705
983,814
840,189
55,049
89,804
113,783
2,722
3,872
7,540
52,327
85,932
106,243
1,657,051
1,756,501
1,858,589
34,468
53,271
107,418
1,617,620
1,698,189
1,672,007
4,963
5,041
79,164
860,947
809,134
634,899
2,375
6,348
5,532
69,617
65,172
37,763
468,871
259,904
247,311
320,084
477,710
344,293
58,076
74,386
70,076
26,342
35,031
33,618
885
1,123
1,091
4,297
902
1,037
26,552
37,330
34,330
802,871
734,748
564,823
152,098
152,098
152,098
0.42
0.66
0.00
0.00
0.00
0.00
350,488
667,662
538,797
91.64%
91.16%
93.18%
0.00
0.00
0.00
93.25%
90.81%
88.96%
48.45%
41.83%
30.39%
45.36%
47.09%
47.97%
5.00
5.00
5.00
5.28
4.83
3.71
2.08%
3.03%
5.78%
3.32%
5.11%
6.12%
45.89%
0.43
40.92%
0.44
0.91
0.95
2015
(Thousand Rupees)
2013
2014
2015
7,358,626
7,904,120
6,489,505
2,835,000
2,835,000
2,835,000
2,992,500
2,992,500
2,992,500
1,531,126
2,076,620
662,005
3,390,801
4,962,010
4,953,097
294,148
731,610
354,945
20,784
24,876
21,934
273,364
706,734
333,011
11,043,575
13,597,740
11,797,547
175,873
106,613
627,797
10,842,195
12,880,629
11,068,652
25,507
610,498
101,098
2,014,442
2,252,380
243,037
30,143
31,286
33,368
449,471
426,200
392,263
363,229
591,956
(445,205)
1,171,599
1,202,938
262,611
307,628
431,135
381,902
166,548
225,545
226,743
5,546
7,014
7,044
41,652
124,231
228,657
141,845
(30,349)
(30,081)
6,270
1,706,814
1,821,245
(138,865)
283,500
283,500
283,500
0.45
0.00
0.00
0.00
0.00
0.00
389,874
1,192,332
1,782,614
76.19%
79.69%
-75.13%
0.00
0.00
0.00
84.73%
80.86%
-57.14%
15.46%
13.39%
-1.18%
54.14%
52.31%
59.37%
10.00
10.00
10.00
6.02
6.42
-0.49
1.59%
0.78%
5.32%
2.66%
5.38%
3.01%
25.67%
20.85%
24.03%
0.23
0.65
-12.84
2015

(Thousand Rupees)
2013
2014
2015
3,595,845
3,915,794
3,209,869
2,841,250
2,841,250
2,841,250
984,913
984,913
984,913
(230,318)
89,631
(616,294)
1,257,271
1,841,690
1,833,495
171,439
366,338
195,064
9,383
11,131
9,667
162,056
355,207
185,397
5,024,555
6,123,822
5,238,428
123,250
87,167
366,044
4,886,824
5,720,675
4,832,231
14,481
315,980
40,153
1,026,485
1,149,650
95,136
18,160
19,066
18,566
217,662
202,092
178,063
222,166
291,433
(239,188)
568,497
637,059
137,695
145,994
204,627
175,987
76,458
101,795
100,573
3,167
3,929
3,886
21,253
47,631
97,293
51,508
(2,515)
1,610
20,020
880,491
945,023
(80,851)
284,125
284,125
284,125
0.22
0.00
0.00
0.00
0.00
0.00
187,021
582,576
898,290
77.03%
80.76%
-106.68%
0.00
0.00
0.00
85.78%
0.82
-84.98%
17.52%
15.43%
-1.54%
52.37%
49.75%
57.15%
10.00
10.00
10.00
3.10
3.33
-0.28
2.45%
1.42%
6.99%
3.41%
5.98%
3.72%
56.55%
0.46
54.24%
0.21
0.62
-11.11
2015

(Thousand Rupees)
2013
2014
2015
1,119,364
1,125,724
1,039,000
1,000,000
1,000,000
1,000,000
119,364
125,724
39,000
39
(544)
13,495
15,772
33,872
1,455
1,534
9,357
12,040
14,238
24,515
1,132,898
1,140,952
1,072,872
199,125
736,294
1,069,903
921,703
392,979
12,070
11,679
2,969
100,165
105,160
113,639
120,072
109,772
98,630
2,546
(880)
14,974
(8,813)
(3,801)
(13,640)
69
35
21,915
24,460
23,763
16,457
18,732
16,036
1,380
1,372
1,150
642
981
2,436
1,824
2,815
1,642
1,890
2,781
78,250
80,700
89,876
100,000
100,000
100,000
7.43%
0.00
0.00
0.00
0.00
0.00
(67,287)
611,496
501,944
-19.87%
-4.39%
13.21%
0.00
0.00
0.00
78.12%
76.74%
79.09%
6.91%
7.07%
8.38%
75.09%
76.58%
67.48%
10.00
10.00
10.00
0.78
0.81
0.90
17.58%
64.53%
99.72%
1.19%
1.38%
3.16%
88.27%
87.65%
93.21%
-0.86
7.58
5.58
2015

(Thousand Rupees)
2013
2014
2015
40,913
40,913
40,913
50,000
50,000
50,000
(9,087)
(9,087)
(9,087)
5,506
5,506
5,506
3,939
3,939
3,939
1,567
1,567
1,567
46,419
46,419
46,419
45,298
45,298
45,298
1,119
1,119
1,119
15,978
15,978
30,463
22
22
22
15,956
14,485
14,485
1,471
1,471
14,485
1,055
1,055
1,055
681
681
681
30
30
30
344
344
344
14,923
14,923
29,408
5,000
5,000
5,000
0.00
0.00
0.00
0.00
0.00
0.00
(852)
(852)
(761)
99.86%
99.86%
99.93%
0.00
0.00
52.38%
0.93
0.93
96.54%
32.15%
32.15%
63.35%
64.55%
64.55%
64.55%
10.00
10.00
10.00
2.98
2.98
5.88
0.00
0.00
0.00
11.86%
11.86%
11.86%
107.71%
107.71%
107.71%
-0.06
-0.06
-0.03
2015
(Thousand Rupees)
2013
2014
2015
13,750,933
14,308,329
14,376,605
9,642,839
9,617,956
9,562,208
5,191,334
5,790,671
5,736,309
(1,083,240)
(1,100,298)
(921,912)
330,761
661,189
927,654
17,690,506
15,791,207
14,812,951
13,521,216
9,445,239
9,111,763
4,169,290
6,345,968
5,701,188
31,772,200
30,760,725
30,117,212
11,384,493
10,907,269
10,303,248
2,401,376
1,925,675
2,025,602
8,983,117
8,981,594
8,277,646
20,387,707
19,853,456
19,813,964
15,493,578
15,348,488
15,014,236
3,794,939
3,581,776
3,989,797
1,099,190
923,192
809,931
7,531,123
7,963,549
7,622,227
2,122,549
2,497,917
2,954,462
5,408,574
5,465,632
4,667,765
166,737
101,202
112,689
2,055,041
1,484,681
1,376,382
2,028,084
1,472,280
1,338,893
1,065,081
1,062,593
1,057,020
N/A
N/A
N/A
N/A
N/A
N/A
2,509,340
3,094,915
2,882,929
14.75%
10.29%
9.31%
11.26%
6.97%
6.55%
6.38%
4.79%
4.45%
26.93%
18.49%
17.57%
104.66%
169.66%
220.66%
7.86%
4.05%
3.81%
1.90
1.39
1.27
0.84
1.15
1.13
0.56
0.51
0.49
11.94%
11.64%
13.25%
43.28%
46.51%
47.74%
12.91
13.47
13.60
1.24
2.10
2.15
0.19
0.33
0.32
2015
(Thousand Rupees)
2013
2014
2015
2,128,998
2,679,195
2,959,682
975,000
1,218,750
1,462,500
801,403
1,078,381
1,179,593
352,595
382,064
317,589
225,000
439,500
744,188
2,085,579
2,237,942
2,230,114
1,353,271
1,255,521
1,390,011
732,308
982,421
840,103
4,439,577
5,356,637
5,933,984
587,197
476,507
670,911
205,049
48,027
74,507
382,148
428,480
596,404
3,852,380
4,880,130
5,263,073
3,729,891
4,709,887
5,178,218
122,489
170,243
84,855
2,139,199
2,542,211
2,699,426
1,331,441
1,669,589
1,987,050
807,758
872,622
712,376
6,319
6,515
10,088
631,864
651,455
403,529
631,864
651,455
403,529
97,500
121,875
146,250
0.30
0.30
0.20
0.05
0.00
0.00
1,306,133
759,483
1,027,846
29.68%
24.32%
13.63%
20.47%
15.88%
8.88%
14.23%
12.16%
0.07
29.54%
25.63%
14.95%
210.72%
256.29%
492.42%
0.47%
0.39%
0.51%
6.48
5.35
2.76
0.43
0.38
0.48
0.47
0.42
0.38
0.00
0.00
0.00
47.95%
50.02%
49.88%
21.84
21.98
20.24
2.07
1.17
2.55
0.97
0.60
0.74
2015

(Thousand Rupees)
2013
2014
2015
105,226
109,663
118,779
75,152
75,152
75,152
30,074
34,511
43,627
17,746
24,658
29,754
5,535
2,218
3,190
4,993
2,218
3,190
542
128,507
136,539
151,723
124,727
136,337
151,553
3,813
46,428
24,153
120,914
89,909
127,400
3,780
202
170
3,740
162
130
40
40
40
12,436
12,223
15,380
4,138
5,486
4,817
8,298
6,737
10,563
252
590
1,056
2,226
5,203
9,316
1,995
4,437
9,116
7,515
7,515
7,515
0.00
0.00
0.07%
0.00
0.00
0.00
(10,243)
40,529
(10,733)
0.02
4.05%
7.67%
0.02
3.87%
6.27%
1.55%
3.25%
6.01%
16.04%
0.36
59.27%
207.42%
123.64%
52.84%
6.09%
10.75%
21.92%
0.27
0.59
1.21
24.98
61.47
47.51
0.04
0.02
0.02
0.03%
0.03%
0.03%
81.88%
80.32%
78.29%
14.00
14.59
15.81
-5.13
9.13
-1.18
-2.05
18.27
-3.36
2015
(Thousand Rupees)
2013
2014
2015
752,763
770,017
821,517
780,462
780,462
780,462
550,351
570,987
606,102
(578,050)
(581,432)
(565,047)
49,298
84,280
169,616
2,209,592
1,451,511
1,215,290
1,018,885
942,029
1,002,524
1,190,707
509,482
212,766
3,011,653
2,305,808
2,206,423
1,235,925
675,155
814,786
395,169
69,501
35,268
840,756
605,654
779,518
1,775,728
1,630,653
1,391,637
207,926
259,956
217,136
1,234,272
1,241,610
1,156,009
333,530
129,087
18,492
402,508
327,752
360,831
100,646
103,892
136,885
301,862
223,860
223,946
6,165
4,784
8,107
53,410
41,448
70,231
53,410
41,448
70,231
78,046
78,046
78,046
0.03
0.02%
0.04%
0.00
0.00
0.00
191,797
229,802
54,356
0.07
5.38%
8.55%
2.68%
3.04%
5.83%
1.77%
0.02
3.18%
13.27%
12.65%
19.46%
188.44%
250.66%
194.91%
6.13%
0.05
5.92%
0.68
0.53
0.90
1.21
0.72
0.81
0.73
0.63
0.55
40.98%
53.85%
52.39%
0.25
33.39%
37.23%
9.65
9.87
10.53
3.59
5.54
0.77
0.19
0.24
0.05
2015

(Thousand Rupees)
2013
2014
2015
124,987
127,916
117,776
200,000
200,000
200,000
15,874
18,470
18,470
(90,887)
(90,554)
(100,694)
(216)
(135)
(141)
35,804
16,312
21,344
29,470
9,531
5,172
6,334
6,781
16,172
160,575
144,093
138,979
114,374
93,140
68,300
59,447
21,670
12,982
54,927
71,470
55,318
46,201
50,953
70,679
27,286
50,953
65,552
18,915
5,127
27,304
49,144
30,685
7,320
7,320
6,870
19,984
41,824
23,815
675
684
5,845
5,929
(7,140)
5,845
5,929
(7,140)
20,000
20,000
20,000
0.02
0.02%
0.00
0.00
0.00
0.00
11,062
6,254
11,811
4.68%
4.64%
-6.06%
4.46%
4.41%
-5.34%
3.64%
4.11%
-5.14%
21.41%
12.06%
-23.27%
125.24%
123.46%
-96.22%
9.22%
9.34%
0.00
0.29
0.30
-0.36
3.88
9.77
13.21
0.22
0.11
0.15
11.78%
0.00
0.00
77.84%
88.77%
84.74%
6.25
6.40
5.89
1.89
1.05
-1.65
0.38
0.66
2.28
2015

(Thousand Rupees)
2013
2014
2015
323,902
335,023
305,070
210,000
210,000
210,000
103,177
107,456
107,956
10,725
17,567
(12,886)
(1,245)
(1,626)
468
36,825
42,690
53,496
20,569
20,599
23,340
16,256
22,091
30,156
359,482
376,087
359,034
269,694
259,597
203,968
29,308
22,150
42,319
240,386
237,447
161,649
89,788
116,490
155,066
76,526
97,281
119,628
9,423
15,369
31,591
3,839
3,840
3,847
34,575
42,078
6,365
25,561
25,437
28,108
9,014
16,641
(21,743)
1,265
2,432
11,162
21,450
(14,359)
10,996
21,399
(14,533)
21,000
21,000
21,000
0.05
0.08%
0.05%
0.00
0.00
0.00
(66,190)
47,757
124,134
3.39%
6.39%
-4.76%
3.29%
6.03%
-4.28%
3.06%
5.69%
-4.05%
0.32
50.86%
-228.33%
232.46%
118.87%
-193.41%
4.95%
9.56%
0.00
0.52
1.02
-0.69
13.11
12.60
8.74
0.10
0.11
0.15
2.62%
4.09%
0.09
0.90
89.08%
84.97%
15.42
15.95
14.53
-6.02
2.23
-8.54
-3.22
2.32
5.32
2015

(Thousand Rupees)
2013
2014
2015
132,752
138,155
142,186
113,400
113,400
113,400
19,352
24,755
28,786
60,723
57,958
61,155
19,252
22,442
27,500
41,471
35,516
33,655
193,475
196,113
203,341
74,245
88,872
99,516
24,481
52,219
13,414
49,764
36,653
86,102
119,230
107,241
103,825
119,230
107,241
103,825
61,784
62,539
58,554
17,700
17,055
16,686
44,084
45,484
41,868
1,004
1,008
954
9,049
9,074
8,583
9,049
9,074
8,583
11,340
11,340
11,340
0.06
0.06%
0.06%
0.00
0.00
0.00
5,158
26,500
(38,911)
6.82%
6.57%
6.04%
5.19%
5.22%
4.88%
4.68%
4.63%
4.22%
14.65%
14.51%
14.66%
1.96
187.95%
194.41%
5.67%
5.91%
5.72%
0.80
0.80
0.76
3.86
3.96
3.62
0.31
0.30
0.30
0.00
0.00
0.00
68.61%
70.45%
69.92%
11.71
12.18
12.54
0.57
2.92
-4.53
0.27
1.18
-1.41
2015

(Thousand Rupees)
2013
2014
2015
627,508
646,765
630,754
524,400
524,400
524,400
110,003
134,700
126,433
(6,895)
(12,335)
(20,079)
34,234
39,580
54,849
32,142
37,824
51,994
2,092
1,756
2,855
661,742
686,345
685,603
286,639
321,448
319,558
49,575
9,889
20,285
237,064
311,559
299,273
375,103
364,897
366,045
38,234
34,778
34,426
333,210
324,388
326,008
3,659
5,731
5,611
16,621
46,224
34,252
25,320
18,431
21,541
(8,699)
27,793
12,711
2,851
1,314
28,393
24,696
11,399
28,393
24,696
11,399
52,440
52,440
52,440
0.00
0.04%
0.02%
0.00
0.00
0.00
(19,438)
21,233
6,716
4.52%
3.82%
1.81%
4.51%
3.81%
0.02
4.29%
0.04
1.66%
170.83%
53.43%
33.28%
89.18%
74.63%
188.97%
0.00
15.47%
0.06
0.54
0.47
0.22
8.92
8.50
6.15
0.05
0.06
0.08
50.35%
47.26%
47.55%
94.83%
94.23%
0.92
11.97
12.33
12.03
-0.68
0.86
0.59
-0.60
0.56
0.13
2015

(Thousand Rupees)
2013
2014
2015
344,986
348,844
341,610
264,138
264,138
264,138
80,848
84,706
77,472
29,295
26,957
25,573
23,288
19,301
20,041
6,007
7,656
5,532
374,281
375,801
367,183
113,808
111,099
110,973
25,717
10,170
400
88,091
100,929
110,573
260,473
264,702
256,210
242,606
250,528
242,322
5,750
5,750
5,750
12,117
8,424
8,138
21,898
40,719
11,571
20,239
18,092
16,504
1,659
22,627
(4,933)
7,186
3,789
(7,304)
7,186
3,765
(7,301)
26,413
26,413
26,414
0.00
0.00
0.00
0.00
0.00
0.00
12,500
(35,186)
(9,702)
2.08%
1.08%
-2.14%
2.05%
1.06%
-0.02
1.92%
0.01
-1.99%
32.82%
9.25%
-0.63
281.64%
480.53%
-226.05%
0.00
0.00
0.00
0.27
0.14
-0.28
4.89
5.76
5.54
0.08
0.07
0.07
1.54%
1.53%
1.57%
92.17%
92.83%
93.04%
13.06
13.21
12.93
1.74
-9.35
1.33
0.54
-1.82
-0.48
2015
(Thousand Rupees)
2013
2014
2015
3,052,852
3,208,619
3,256,855
1,008,000
1,008,000
1,008,000
2,044,852
2,200,619
2,248,855
1,666,435
2,184,376
3,136,436
1,401,497
1,894,271
2,793,135
264,938
290,105
343,301
4,719,287
5,392,995
6,393,291
1,404,852
1,893,900
2,281,279
130,640
371,132
487,513
1,274,212
1,522,768
1,793,766
3,314,435
3,499,095
4,112,012
2,955,066
2,879,821
3,080,949
355,467
616,573
1,029,713
3,902
2,701
1,350
365,850
391,508
440,337
67,724
70,750
74,775
298,126
320,758
365,562
115,023
32,949
35,340
992,804
285,443
306,500
992,804
285,443
306,500
201,600
201,600
201,600
0.20
0.22%
0.22%
0.00
0.00
0.00
(325,175)
(182,562)
(451,024)
32.52%
0.09
9.41%
29.92%
8.16%
8.51%
21.04%
5.29%
4.79%
271.37%
72.91%
69.61%
6.82%
24.79%
0.24
169.84%
46.57%
47.26%
4.92
1.42
1.52
1.00
1.00
0.82
0.35
0.41
0.49
7.53%
11.43%
16.11%
64.69%
0.60
50.94%
15.14
15.92
16.16
-0.33
-0.64
-1.47
-0.23
-0.10
-0.16
2015

(Thousand Rupees)
2013
2014
2015
130,971
117,475
129,628
30,000
30,000
30,000
67,115
67,941
69,299
33,856
19,534
30,329
177,645
156,070
162,615
162,152
140,708
146,238
15,493
15,362
16,377
308,616
273,545
292,244
304,041
266,132
285,264
29,764
19,768
9,969
274,277
246,364
275,295
4,575
7,413
6,980
3,956
6,990
6,704
619
423
276
90,914
80,363
106,032
31,498
37,674
43,088
59,416
42,689
62,944
3,761
2,595
3,777
57,984
43,063
59,869
32,750
16,516
27,153
3,000
3,000
3,000
1.00
0.01
0.01
0.00
0.00
0.00
58,621
26,568
9,220
25.01%
14.06%
20.95%
39.59%
32.42%
0.41
10.61%
6.04%
9.29%
36.02%
20.55%
25.61%
96.18%
228.11%
158.69%
11.94%
6.89%
8.77%
10.92
5.51
9.05
1.88
1.89
1.95
0.58
0.57
0.56
0.00
0.00
0.00
42.44%
42.95%
44.36%
43.66
39.16
43.21
1.79
1.61
0.34
0.36
0.19
0.06
2015
(Thousand Rupees)
2013
2014
2015
297,913
263,701
141,525
250,000
250,000
250,000
47,913
13,701
(108,475)
1,705,808
1,436,869
1,106,824
1,190,010
905,248
855,122
515,798
531,621
251,702
2,003,721
1,700,570
1,248,349
877,422
627,178
403,307
20,491
42,801
89,488
856,931
584,377
313,819
1,126,299
1,073,392
845,042
1,020,464
979,401
709,397
102,204
67,852
92,677
3,631
26,139
42,968
567,095
558,124
451,402
22,974
24,022
23,211
544,121
534,102
428,191
(16,863)
(34,212)
(122,176)
(16,863)
(34,212)
(122,176)
25,000
25,000
25,000
0.00
0.00
0.00
0.00
0.00
0.00
478,631
722,269
421,677
-5.66%
-12.97%
-86.33%
-2.07%
-0.04
-31.07%
-0.84%
-2.01%
-9.79%
-2.97%
-6.13%
-27.07%
-136.24%
-70.22%
-0.19
0.00
0.00
0.00
-0.67
-1.37
-4.89
0.74
0.69
0.47
0.85
0.84
0.89
0.05
3.99%
7.42%
14.87%
15.51%
11.34%
11.92
10.55
5.66
-28.38
-21.11
-3.45
0.40
0.80
0.49
2015

(Thousand Rupees)
2013
2014
2015
73,305
59,182
60,738
125,400
125,400
125,400
24,717
24,717
25,028
(76,812)
(90,935)
(89,690)
5,366
8,031
5,955
5,366
8,031
5,955
78,671
67,213
66,693
78,178
57,126
61,108
48,372
31,489
49,380
29,806
25,637
11,728
493
10,087
5,585
448
106
73
45
9,981
5,512
6,348
6,877
6,802
3,981
3,658
5,168
2,367
3,219
1,634
156
2,038
(15,656)
1,557
1,957
(15,656)
1,557
12,540
12,540
12,540
0.01
0.02%
0.01%
0.00
0.00
0.00
612
(12,541)
3,863
2.67%
-26.45%
2.56%
2.78%
-26.45%
2.56%
2.49%
-23.29%
2.33%
30.83%
-227.66%
22.89%
203.42%
-23.36%
331.92%
0.00
0.00
3.02%
0.16
-1.25
0.12
14.57
7.11
10.26
0.07
0.12
0.09
0.00
0.00
0.00
93.18%
88.05%
91.07%
5.85
4.72
4.84
0.31
0.80
2.48
0.11
-1.56
0.65
2015

(Thousand Rupees)
2013
2014
2015
175,671
179,493
206,415
76,223
83,846
119,899
69,791
64,464
58,110
29,657
31,183
28,406
91,283
141,575
233,437
42,548
61,773
88,725
48,735
79,802
144,712
266,954
321,068
439,852
158,084
183,982
264,255
37,120
41,631
51,481
120,964
142,351
212,774
108,870
137,086
175,597
52,561
60,188
55,645
56,309
76,898
119,952
42,028
55,203
80,142
23,769
35,629
57,802
18,259
19,574
22,340
2,154
1,626
1,319
16,411
12,388
10,154
16,411
12,388
10,154
7,622
8,384
11,990
0.11
0.13%
0.00
0.10
0.00
0.00
39,888
5,060
(23,803)
9.34%
0.07
4.92%
7.31%
4.78%
2.89%
6.15%
3.86%
2.31%
39.05%
22.44%
12.67%
144.84%
287.61%
569.25%
9.06%
4.56%
2.28%
2.15
1.48
0.85
3.72
2.98
2.98
0.34
0.44
0.53
0.00
0.00
0.00
65.81%
0.56
46.93%
23.05
21.41
17.22
2.43
0.41
-2.34
0.94
0.08
-0.27
2015

(Thousand Rupees)
2013
2014
2015
515,677
422,989
450,947
872,177
872,177
872,177
138,651
138,651
144,084
(495,151)
(587,839)
(565,314)
69,208
61,574
61,024
45,089
57,555
54,841
24,119
4,019
6,183
584,885
484,563
511,971
343,815
326,186
371,534
224,519
190,145
315,062
119,296
136,041
56,472
241,070
158,377
140,437
124,677
60,729
63,874
9,554
14,188
20,553
106,839
83,460
56,010
75,895
64,437
55,897
17,917
18,039
20,374
57,978
46,398
35,523
2,717
25,957
(72,263)
27,166
25,791
(72,263)
27,166
87,218
87,218
87,218
0.02
0.01%
0.02%
0.00
0.00
0.00
(15,519)
(1,635)
55,287
0.05
-17.08%
6.02%
4.81%
-16.92%
5.94%
4.41%
-14.91%
5.31%
33.98%
-112.15%
0.49
69.47%
-24.96%
0.75
0.00
0.00
13.34%
0.30
-0.83
0.31
7.63
5.67
6.77
0.12
0.13
0.12
1.63%
2.93%
4.01%
88.17%
87.29%
88.08%
5.91
4.85
5.17
-0.60
0.02
2.04
-0.34
-0.03
1.01
2015

(Thousand Rupees)
2013
2014
2015
31,076
92,731
170,717
340,200
340,200
340,200
(309,124)
(247,469)
(169,483)
1,536,879
1,231,686
1,035,024
1,411,466
222,600
209,078
125,413
1,009,086
825,946
1,567,955
1,324,417
1,205,741
958,929
866,160
821,576
90,519
64,166
111,190
868,410
801,994
710,386
609,026
458,257
384,165
536,444
352,655
204,555
26,972
61,426
122,225
45,610
44,176
57,385
347,252
297,535
353,205
32,698
24,164
19,414
314,554
273,371
333,791
3,102
4,103
(110,970)
58,943
98,469
(111,622)
74,296
94,531
34,020
34,020
34,020
0.00
0.05%
0.05%
0.00
0.00
0.00
261,224
261,583
265,555
-359.19%
80.12%
55.37%
-70.91%
5.35%
9.88%
-7.12%
5.61%
7.84%
-32.14%
24.97%
26.76%
-29.29%
32.52%
20.54%
0.00
12.84%
21.13%
-3.28
2.18
2.78
0.68
3.89
3.93
0.98
0.93
0.86
1.72%
4.64%
10.14%
1.98%
0.07
14.16%
0.91
2.73
5.02
-2.34
3.52
2.81
0.19
1.18
1.27
2015

(Thousand Rupees)
2013
2014
2015
1,519,488
1,557,151
1,661,302
1,304,000
1,304,000
1,304,000
212,091
252,091
313,436
3,397
1,060
43,866
43,952
31,135
124,984
128,220
360,335
124,984
128,220
191,242
169,093
1,644,472
1,729,323
2,052,772
1,171,628
1,229,268
1,357,475
240,288
181,037
143,381
931,340
1,048,231
1,214,094
472,844
500,055
695,297
445,653
461,566
665,119
27,191
38,489
30,178
242,092
187,492
295,444
126,096
117,468
142,924
115,996
70,024
152,520
128,522
85,910
136,322
128,522
85,910
136,322
130,400
130,400
130,400
0.07
0.00
0.00
0.00
0.00
0.00
146,959
13,923
224,468
8.46%
5.52%
8.21%
8.46%
5.37%
7.32%
7.82%
4.97%
6.64%
53.09%
45.82%
46.14%
98.11%
136.73%
104.84%
0.00
0.00
0.00
0.99
0.66
1.05
9.37
9.59
7.10
0.08
0.07
0.18
0.00
0.00
0.00
0.92
90.04%
80.93%
11.65
11.94
12.74
1.14
0.16
1.65
1.18
0.11
1.17
2015

(Thousand Rupees)
2013
2014
2015
495,524
508,554
579,135
263,866
263,866
263,866
201,638
215,716
245,665
30,020
28,972
69,604
57,885
69,336
51,595
242,773
250,858
236,728
41,431
86,003
90,401
201,342
164,855
146,327
796,182
828,748
867,458
147,748
224,868
239,200
95,851
122,877
93,392
51,897
101,991
145,808
648,434
603,880
628,258
508,177
466,958
394,480
131,692
136,780
233,636
8,565
142
142
181,911
256,773
228,991
45,321
86,231
125,549
136,590
170,542
103,442
4,862
7,900
16,977
43,495
68,441
149,741
43,495
68,441
149,741
26,386
26,386
26,387
0.20
0.21%
0.45%
0.00
0.00
0.00
252,462
85,715
7,254
8.78%
13.46%
25.86%
5.76%
9.21%
19.27%
5.46%
8.26%
17.26%
23.91%
26.65%
65.39%
1.04
125.99%
83.84%
10.73%
9.16%
13.52%
1.65
2.59
5.67
3.57
2.61
2.65
0.30
0.30
0.27
16.54%
0.17
26.93%
62.24%
61.36%
66.76%
18.78
19.27
21.95
5.80
1.25
0.05
6.09
1.00
0.08
2015

(Thousand Rupees)
2013
2014
2015
173,679
179,787
176,125
201,875
201,875
201,875
43,599
49,056
47,813
(71,795)
(71,144)
(73,563)
46,305
43,923
36,316
44,365
34,944
26,065
1,940
8,979
10,251
219,984
223,710
212,441
105,156
82,759
89,317
3,520
30,354
24,577
101,636
52,405
64,740
114,828
140,951
123,124
14,116
24,232
33,165
97,084
92,084
87,084
3,628
24,635
2,875
30,128
36,069
35,772
14,225
19,362
19,486
15,903
16,707
16,286
1,032
1,030
592
9,289
9,267
5,328
9,289
9,267
5,328
20,188
20,188
20,188
3.35%
0.03%
0.02%
0.00
0.00
0.00
34,865
29,768
26,150
5.35%
5.15%
3.03%
5.29%
4.91%
2.86%
4.22%
4.14%
2.51%
30.83%
25.69%
14.89%
153.14%
208.93%
365.73%
7.25%
5.32%
3.04%
0.46
0.46
0.26
2.37
2.37
3.43
0.21
0.20
0.17
44.13%
41.16%
40.99%
78.95%
80.37%
82.91%
8.60
8.91
8.72
3.75
3.21
4.91
0.79
0.85
1.00
2015
(Thousand Rupees)
2013
2014
2015
265,215
288,447
484,195
282,744
282,744
480,665
60,894
72,891
78,469
(78,423)
(67,188)
(74,939)
1,224
(98,961)
1,250,877
1,015,888
597,494
1,187,543
846,682
345,046
63,334
169,206
252,448
1,516,092
1,305,559
982,728
1,175,724
1,004,538
680,456
175,152
172,123
145,845
1,000,572
832,415
534,611
340,368
301,021
302,272
54,199
79,296
48,845
7,979
6,267
2,609
278,190
215,458
250,818
234,375
171,982
173,557
54,802
44,905
66,207
179,573
127,077
107,350
2,715
1,717
(46,029)
23,995
11,155
(46,029)
23,995
11,155
28,274
28,274
48,067
0.00
0.02%
0.01%
0.00
0.00
0.00
130,841
307,844
220,384
-17.36%
8.32%
0.02
-14.01%
5.23%
1.75%
-3.04%
1.84%
1.14%
-19.64%
13.95%
6.43%
-119.06%
187.14%
593.52%
0.00
6.05%
2.59%
-1.63
0.85
0.23
0.99
1.19
1.97
0.83
0.78
0.61
0.53%
0.48%
0.27%
17.49%
22.09%
49.27%
9.38
10.20
10.07
-2.84
12.83
19.76
0.11
0.36
0.64
2015

(Thousand Rupees)
2013
2014
2015
179,294
153,943
158,766
184,239
184,239
184,239
56,583
56,583
57,523
(61,528)
(86,879)
(82,996)
60,019
54,313
46,945
32,235
36,743
34,777
27,784
17,570
12,168
239,313
208,256
205,711
84,787
88,827
49,966
8,757
29,821
12,285
76,030
59,006
37,681
154,526
119,429
155,745
115,460
77,405
73,561
39,066
42,024
82,184
13,514
12,724
30,183
21,326
19,235
15,944
(7,812)
(6,511)
14,239
(4,801)
(9,262)
5,166
(5,156)
(9,605)
4,702
18,424
18,424
18,424
1.25%
0.00
0.02%
0.00
0.00
0.00
1,617
1,795
40,154
-2.88%
-6.24%
2.96%
-2.32%
-0.05
3.02%
-2.15%
-4.61%
2.29%
-38.15%
-75.49%
15.58%
-413.62%
-200.26%
339.09%
0.00
0.00
0.00
-0.28
-0.52
0.26
2.63
2.42
1.44
0.25
0.26
0.23
0.00
0.00
0.00
74.92%
73.92%
77.18%
9.73
8.36
8.62
-0.31
-0.19
8.54
0.05
0.05
1.15
2015
(Thousand Rupees)
2013
2014
2015
1,002,568
1,093,505
1,152,824
453,835
453,835
453,835
450,052
486,393
525,487
98,681
153,277
173,502
5,837,461
4,941,811
4,027,424
5,101,643
2,513,443
1,700,374
735,818
2,428,368
2,327,050
6,840,029
6,035,316
5,180,249
1,213,680
823,724
751,520
487,023
143,905
267,884
726,657
679,819
483,636
5,626,349
5,211,592
4,428,729
4,384,538
4,217,492
3,553,141
1,241,811
994,100
875,588
2,191,915
2,308,433
2,061,789
82,483
87,756
95,820
2,109,432
2,220,677
1,965,969
14,139
20,974
22,538
121,294
181,704
195,470
121,294
181,704
195,470
45,383
45,384
45,384
0.20
0.00
0.33%
0.00
0.00
0.00
61,095
446,588
877,631
0.12
16.62%
16.96%
6.98%
5.16%
5.62%
1.77%
3.01%
3.77%
5.53%
7.87%
9.48%
0.68
0.48
49.02%
17.14%
0.24
23.52%
2.67
4.00
4.31
0.24
0.33
0.44
0.85
0.82
0.78
18.16%
16.47%
0.17
14.66%
18.12%
22.25%
22.09
24.09
25.40
0.50
2.46
4.49
0.01
0.18
0.52
2015

(Thousand Rupees)
2013
2014
2015
304,514
306,683
310,059
298,000
298,000
298,000
6,514
8,683
12,059
124,003
111,547
101,383
59,626
50,255
46,992
64,377
61,292
54,391
428,517
418,230
411,442
184,311
203,647
207,426
3,412
2,419
827
180,899
201,228
206,599
244,206
214,583
204,016
203,685
169,146
163,491
8,535
5,349
6,314
31,986
40,088
34,211
101,565
103,992
85,610
20,592
26,934
26,239
80,973
77,058
59,371
2,559
2,248
1,934
23,032
20,229
17,406
23,032
20,229
17,406
29,800
29,800
29,800
0.06
0.05%
0.04%
0.00
0.00
0.00
51,661
14,663
40,596
7.56%
0.07
5.61%
6.24%
0.06
4.78%
5.37%
4.84%
4.23%
22.68%
19.45%
20.33%
89.41%
133.15%
150.75%
12.43%
8.35%
7.37%
0.77
0.68
0.58
3.09
4.05
4.41
0.29
0.27
0.25
1.99%
1.28%
1.53%
71.06%
73.33%
75.36%
10.22
10.29
10.40
2.24
0.72
2.33
0.87
0.29
0.86
2015
(Thousand Rupees)
2013
2014
2015
7,233,398
7,939,996
9,006,864
6,414,919
7,247,919
8,067,918
145,760
74,263
86,825
672,719
617,814
852,121
16,641
21,306
32,195
1,422,387
1,607,143
1,858,833
1,265,738
1,407,205
1,534,713
156,649
199,938
324,120
8,672,426
9,568,445
10,897,892
6,438,480
7,393,541
8,473,579
4,680,316
5,330,038
6,439,440
1,758,164
2,063,503
2,034,139
2,233,946
2,174,904
2,424,313
636,785
689,167
756,444
1,597,161
1,485,737
1,667,869
3,088,951
3,421,099
3,683,159
2,599,519
3,058,141
3,276,043
499,152
362,958
407,118
331,853
213,837
265,036
322,663
372,393
395,893
N/A
N/A
N/A
N/A
N/A
N/A
506,975
311,974
521,949
4.59%
2.69%
2.94%
6.74%
4.45%
4.35%
3.83%
2.23%
2.43%
5.21
8.43
8.05
1.03
0.57
0.67
53.97%
0.56
59.09%
5.09
5.25
5.52
0.16
0.17
17.06%
83.41%
82.98%
82.65%
22.42
21.32
22.75
1.53
1.46
1.97
0.40
0.22
0.34
2015

(Thousand Rupees)
2013
2014
207,990
243,806
311,566
200,000
230,000
300,000
07,990
2015
13,806
11,566
214,187
234,964
210,642
208,758
230,424
206,049
5,429
4,540
4,593
422,177
478,770
536,208
311,602
360,622
394,029
210,338
191,257
296,778
101,264
169,365
97,251
110,575
118,148
142,179
44,552
45,616
48,453
66,023
72,532
93,726
133,207
137,283
156,685
122,063
127,905
138,936
11,144
9,378
17,749
6,990
5,815
11,566
20,000
23,000
30,000
0-
14,000
0.00 -
0.00 -
54,374
(36,408)
66,579
3.36%
2.39%
3.71%
5.22%
3.78%
5.38%
1.66%
1.21%
2.16%
10.95
13.64
7.83
0.35
0.25
0.39
49.82%
39.95%
55.35%
1.49
1.57
1.91
50.73%
49.08%
39.28%
49.27%
50.92%
58.11%
10.40
10.60
10.39
7.78
-6.26
5.76
0.26
-0.16
0.32
2015

(Thousand Rupees)
2013
2014
2015
205,435
206,089
207,704
200,000
200,000
200,000
0-
5,435
6,089
7,704
3,803
3,677
3,552
29,410
24,483
19,408
24,044
18,169
13,421
5,366
6,314
5,987
238,648
234,249
230,664
158,615
201,496
204,656
103,209
138,935
133,327
55,406
62,561
71,329
80,033
32,753
26,008
30,066
27,953
26,008
49,967
4,800
19,146
20,237
28,848
18,270
18,608
27,444
876
1,629
1,404
538
529
1,490
200
200
200
0.00 -
0.00 -
(3,680)
35,757
(5,608)
0.26%
0.26%
0.72%
0.41%
0.75%
0.65%
0.23%
0.23%
0.65%
20.86
11.42
19.55
2.69
2.65
7.45
43.25%
59.31%
0.58
6.60
11.09
15.25
12.32%
10.45%
8.41%
86.08%
87.98%
90.05%
1,027.18
1,030.45
1,038.52
-6.84
67.59
-3.76
-0.15
1.97
-0.42
2015

(Thousand Rupees)
2013
2014
2015
206,317
206,399
206,377
205,410
205,410
205,410
0907
989
0-
967
-
1,502
639
1,008
1,502
639
695
313
207,819
207,038
207,385
147,603
148,729
150,003
144,703
145,700
147,132
2,900
3,029
2,871
60,216
58,309
57,382
5,598
4,974
4,495
54,618
53,335
52,887
13,978
11,186
12,640
11,654
10,185
11,762
2,324
1,001
878
1,744
82
(23)
2,054
2,054
2,054
0.00 -
0.00 -
(2,650)
(3,663)
(3,563)
0.85%
0.04%
-0.01%
1.13%
0.48%
0.42%
0.84%
0.04%
-0.01%
5.01
10.17
13.40
0.85
0.04
-0.01
69.63%
70.37%
70.95%
98.27
232.75
215.83
0.72%
0.31%
0.49%
99.28%
99.69%
99.51%
100.44
100.48
100.47
-1.52
-44.67
154.91
-1.76
-5.73
-5.13
2015

(Thousand Rupees)
2013
2014
2015
213,423
186,314
198,077
200,000
200,000
200,000
013,423
(13,686)
0-
(1,923)
-
19,861
17,747
11,993
19,861
17,584
11,563
163
430
233,284
204,061
210,070
174,862
145,089
153,473
170,674
139,214
146,407
4,188
5,875
7,066
58,422
58,972
56,597
6,617
6,049
4,813
51,805
52,923
51,784
74,219
39,723
82,346
70,668
66,304
69,896
3,551
(26,581)
12,450
1,571
(27,108)
11,763
20,000
20,000
0.00 -
20,000
-
0.00 -
(15,876)
(34,103)
1,475
0.74%
-14.55%
5.94%
1.66%
-14.25%
6.27%
0.67%
-13.28%
0.06
19.90
-2.49
5.61
0.08
-1.36
0.59
73.16%
68.22%
69.69%
8.80
8.25
13.27
8.51%
0.09
5.71%
91.49%
0.91
94.29%
10.67
9.32
9.90
-10.11
1.26
0.13
-0.80
-1.94
0.13
2015

(Thousand Rupees)
2013
2014
2015
103,906
195,645
194,100
105,500
200,500
200,500
0(1,594)
(4,855)
0-
(6,400)
-
3,934
6,125
19,492
2,154
2,213
5,641
1,780
3,912
13,851
107,840
201,770
213,592
73,187
144,065
153,148
71,531
139,708
145,090
1,656
4,357
8,058
34,653
57,705
60,444
7,619
6,592
7,554
27,034
51,113
52,890
29,756
27,897
30,592
28,140
31,210
31,941
1,616
(3,313)
(1,349)
(1,362)
(3,260)
(1,546)
10,550
20,050
20,050
0.00 -
0.00 -
2,078
(4,252)
(662)
-1.31%
-1.67%
-0.01
1.53%
-1.66%
-0.65%
-1.26%
-1.62%
-0.72%
17.41
-9.42
-23.68
-0.13
-0.16
-0.08
66.33%
69.24%
67.93%
33.98
65.10
27.15
3.65%
3.04%
9.13%
96.35%
96.96%
90.87%
9.85
9.76
9.68
-1.53
1.30
0.43
0.96
-1.92
-0.12
2015

(Thousand Rupees)
2013
2014
2015
420,391
442,877
661,502
400,000
400,000
600,000
020,391
42,877
0-
61,502
-
22,852
23,839
37,486
20,865
22,660
34,455
1,987
1,179
3,031
443,243
466,716
698,988
276,033
307,003
475,757
221,664
300,580
465,923
54,369
6,423
9,834
167,210
159,713
223,231
51,421
46,161
61,365
115,789
113,552
161,866
204,204
209,069
272,252
179,856
184,561
241,443
24,348
24,508
30,809
20,372
22,486
18,625
4,000
4,000
6,000
0.00 -
0.00 -
164,744
37,666
38,365
4.85%
5.08%
2.82%
5.76%
5.52%
4.64%
0.05
4.82%
2.66%
7.39
7.53
7.84
5.09
5.62
3.10
50.01%
0.64
66.66%
13.23
13.55
13.81
5.16%
5.11%
5.36%
94.84%
94.89%
94.64%
105.10
110.72
110.25
8.09
1.68
2.06
7.90
1.66
1.11
2015

(Thousand Rupees)
2013
2014
2015
167,732
178,547
186,373
200,000
200,000
200,000
0-
(32,268)
(21,453)
0-
(13,627)
-
8,380
16,255
21,654
4,380
5,655
5,394
4,000
10,600
16,260
176,112
194,802
208,027
111,149
126,158
140,754
99,811
112,486
126,723
11,338
13,672
14,031
64,963
68,644
67,273
11,100
12,819
11,453
53,863
55,825
55,820
10,575
42,848
46,481
24,328
31,604
35,266
(13,753)
11,244
11,215
(13,780)
10,816
7,826
20,000
20,000
20,000
0.00 -
0.00 -
17,247
11,741
11,556
-8.22%
6.06%
0.04
-8.01%
5.94%
5.53%
-7.82%
5.55%
3.76%
-1.77
2.81
3.14
-0.69
0.54
0.39
56.67%
57.74%
60.92%
25.38
22.31
26.09
4.76%
8.34%
10.41%
95.24%
91.66%
89.59%
8.39
8.93
9.32
-1.25
1.09
1.48
3.94
2.08
2.14
2015

(Thousand Rupees)
2013
2014
2015
216,944
211,391
202,227
210,000
210,000
210,000
6,944
1,391
0-
(7,773)
-
5,784
1,176
1,668
5,784
1,176
1,668
222,728
212,567
203,895
166,623
160,483
144,743
98,577
153,247
126,262
68,046
7,236
18,481
56,105
52,084
59,152
3,505
3,764
5,992
52,600
48,320
53,160
47,964
51,534
78,615
52,824
56,572
86,993
4,860
(5,038)
(8,378)
(5,146)
(5,554)
(9,164)
21,000
21,000
21,000
0.00 -
0.00 -
(2,133)
(15,102)
(26,860)
-2.37%
-2.63%
-4.53%
2.24%
-2.38%
-4.14%
-2.31%
-2.61%
-4.49%
10.87
-11.23
-10.38
-0.25
-0.26
-0.44
44.26%
72.09%
61.93%
28.81
136.47
86.78
0.03
0.55%
0.82%
0.97
99.45%
99.18%
10.33
10.07
9.63
0.41
2.72
2.93
-0.37
-12.84
-16.10
2015

(Thousand Rupees)
2013
2014
2015
453,587
464,070
483,050
400,000
400,000
400,000
10,900
10,900
10,900
42,687
53,170
72,150
0-
51,695
57,375
64,268
50,005
54,542
60,751
1,690
2,833
3,517
505,282
521,445
547,318
386,018
499,796
525,747
338,578
350,543
376,418
47,440
149,253
149,329
119,264
21,649
21,571
12,465
16,069
15,801
106,799
5,580
5,770
100,826
97,875
103,854
73,535
80,331
75,224
27,291
17,544
28,630
17,570
10,483
18,981
400
400
400
0.00 -
0.00 -
1,137
18,587
28,530
3.87%
2.26%
3.93%
5.99%
3.76%
5.88%
3.48%
2.01%
3.47%
2.69
4.58
2.63
43.93
26.21
47.45
67.01%
67.23%
68.78%
7.72
9.16
8.65
10.23%
0.11
11.74%
89.77%
0.89
88.26%
1,133.97
1,160.18
1,207.63
0.06
1.77
1.50
0.02
0.34
0.47
2015

(Thousand Rupees)
2013
2014
2015
601,903
651,462
705,472
400,000
400,000
400,000
0201,903
251,462
0-
305,472
-
12,020
32,683
133,674
11,729
32,185
133,651
291
498
23
613,923
684,145
839,146
494,653
642,283
749,232
380,226
547,142
476,439
114,427
95,141
272,793
119,270
41,862
89,914
13,197
16,684
16,378
106,073
25,178
73,536
156,642
184,247
191,930
91,519
108,467
111,602
65,123
75,780
80,329
42,124
49,559
54,010
40,000
40,000
40,000
0.00 -
0.00 -
1,353
161,910
(106,577)
0.07
7.61%
7.66%
10.81%
11.62%
11.39%
6.86%
7.24%
6.44%
1.41
1.43
1.39
1.05
1.24
1.35
61.93%
79.97%
56.78%
42.17
19.96
5.61
1.96%
4.78%
15.93%
98.04%
95.22%
84.07%
15.05
16.29
17.64
0.03
3.27
-1.97
0.12
5.03
-0.80
2015

(Thousand Rupees)
2013
2014
2015
363,364
375,925
389,460
200,000
300,000
300,000
134,860
63,363
75,925
28,504
12,562
13,535
0-
100,025
99,051
118,289
91,173
92,486
111,545
8,852
6,565
6,744
463,389
474,976
507,749
383,809
423,962
410,812
241,872
252,715
261,783
141,937
171,247
149,029
79,580
51,014
96,937
28,218
25,871
23,038
51,362
25,143
73,899
225,424
237,038
199,580
180,569
199,102
173,040
44,855
37,936
26,540
28,503
12,562
13,535
20,000
30,000
30,000
0.00 -
0.00 -
75,815
(14,374)
59,188
7.84%
3.34%
3.48%
12.05%
9.92%
0.07
6.15%
2.64%
2.67%
4.03
5.25
6.52
1.43
0.42
0.45
0.52
53.21%
51.56%
4.21
4.58
3.68
21.59%
20.85%
0.23
78.41%
79.15%
0.77
18.17
12.53
12.98
2.66
-1.14
4.37
0.83
-0.16
0.53
2015
134,144
210,000
(75,856)
3,000
74,414
9,644
64,770
211,558
127,288
111,206
16,082
84,270
12,944
71,326
51,515
61,328
(9,813)
(10,315)
21,000
(461)
-7.69%
-4.86%
-4.88%
-6.25
-0.49
52.57%
13.20
35.17%
63.41%
6.39
0.04
-0.05
2015

(Thousand Rupees)
2013
2014
2015
343,290
351,324
359,547
300,000
300,000
043,290
300,000
-
51,324
0-
59,547
-
30,640
4,011
31,220
30,640
4,011
31,220
373,930
355,335
390,767
284,642
261,591
298,866
261,357
241,624
282,197
23,285
19,967
16,669
89,288
93,744
91,901
12,728
15,336
14,273
76,560
78,408
77,628
62,688
65,924
85,445
51,406
53,751
72,873
11,282
12,173
12,572
7,333
8,034
8,223
300
300
300
0.00 -
0.00 -
44,407
(14,959)
42,007
2.14%
2.29%
2.29%
3.29%
3.46%
0.04
1.96%
2.26%
0.02
4.56
4.42
5.80
24.44
26.78
27.41
69.89%
0.68
72.22%
9.29
65.22
9.57
8.19%
1.13%
7.99%
91.81%
98.87%
92.01%
1144.30
1,171.08
1,198.49
6.06
-1.86
5.11
1.45
-3.73
1.35
2015

(Thousand Rupees)
2013
2014
2015
689,761
717,267
767,787
556,875
556,875
556,875
0-
132,886
160,392
210,912
1,638
9,429
2,643
75,699
20,202
21,815
74,146
9,174
9,649
1,553
11,028
12,166
767,098
746,898
792,245
745,821
723,518
766,402
270,389
219,245
301,594
475,432
504,273
464,808
21,277
23,380
25,843
18,878
20,657
21,805
2,399
2,723
4,038
229,777
139,332
183,529
98,914
97,759
109,569
130,863
41,573
73,960
95,585
27,506
50,520
55,688
55,688
55,688
0.00
0.00
0.00
0.00
0.00
0.00
(21,527)
59,985
12,682
13.86%
3.83%
6.58%
18.88%
5.64%
9.45%
12.46%
3.68%
6.38%
0.76
2.35
1.48
1.72
0.49
0.91
35.25%
29.35%
38.07%
10.06
78.87
79.43
9.87%
0.03
2.75%
89.92%
96.03%
96.91%
12.39
12.88
13.79
-0.23
2.18
0.25
-0.29
6.54
1.31
2015

(Thousand Rupees)
2013
2014
2015
199,290
196,949
184,637
200,000
200,000
200,000
(710)
(3,051)
(15,363)
1,200
1,200
2,000
1,366
4,022
5,596
1,366
4,022
5,335
261
201,856
202,171
192,233
142,056
136,527
124,813
128,679
135,328
123,088
13,377
1,199
1,725
59,800
65,644
67,420
9,396
9,871
11,089
50,404
55,773
56,331
31,515
17,515
11,925
17,619
17,079
24,144
13,896
436
(12,219)
13,320
(2,341)
(12,312)
2,000
2,000
2,000
0.00 -
0.00 -
19,868
5,526
(10,484)
6.68%
-1.19%
-6.67%
6.93%
0.22%
-6.54%
0.07
-1.16%
-0.06
1.27
39.17
-1.98
6.66
-1.17
-6.16
63.75%
66.94%
64.03%
103.99
33.95
23.40
0.68%
1.99%
2.91%
98.73%
97.42%
96.05%
99.65
98.47
92.32
1.49
-2.36
0.85
14.54
1.37
-1.97
2015

(Thousand Rupees)
2013
2014
2015
210,549
220,305
227,840
250,000
250,000
250,000
0(39,451)
(29,695)
0-
(22,160)
-
18,958
14,521
3,324
8,766
14,521
3,324
10,192
229,507
234,826
231,164
74,960
80,603
83,769
39,316
28,782
36,308
35,644
51,821
47,461
154,547
154,223
147,395
63,330
66,023
65,435
91,217
88,200
81,960
88,224
110,439
117,851
86,712
98,684
109,138
1,512
11,755
8,713
1,968
9,757
7,535
2,500
2,500
2,500
0.00 -
0.00 -
1,564
764
15,970
0.93%
4.43%
3.31%
0.68%
5.34%
3.82%
0.86%
4.15%
3.26%
57.35
8.40
12.53
0.79
3.90
3.01
17.13%
12.26%
15.71%
8.55
5.55
25.20
8.26%
6.18%
1.44%
91.74%
93.82%
98.56%
84.22
88.12
91.14
0.79
0.08
2.12
0.18
0.05
4.80
2015

(Thousand Rupees)
2013
2014
2015
440,658
581,669
843,574
400,000
550,000
800,000
040,658
31,669
0-
43,574
-
370,636
445,083
329,375
329,659
401,234
275,225
40,977
43,849
54,150
811,294
1,026,752
1,172,949
641,439
904,520
995,732
497,347
533,303
762,647
144,092
371,217
233,085
169,855
122,232
177,217
65,497
72,760
73,843
104,358
49,472
103,374
715,969
889,658
839,475
694,824
867,096
814,577
21,145
22,562
24,898
12,093
12,516
9,794
4,000
5,500
8,000
0.00 -
0.00 -
140,244
(33,760)
58,956
2.74%
2.15%
1.16%
4.39%
3.61%
2.77%
1.49%
1.22%
0.83%
32.86
38.43
32.72
3.02
2.28
1.22
0.61
51.94%
65.02%
1.95
2.25
3.62
45.68%
43.35%
28.08%
54.32%
56.65%
71.92%
110.16
105.76
105.45
11.60
-2.70
6.02
0.43
-0.08
0.21
2015

(Thousand Rupees)
2013
2014
2015
262,521
348,486
390,170
200,000
345,000
345,000
062,521
3,486
0-
45,170
-
76,430
99,102
129,123
23,309
15,197
25,196
53,121
83,905
103,927
338,951
447,588
519,293
228,067
321,827
353,089
157,682
231,109
269,449
70,385
90,718
83,640
110,884
125,761
166,204
57,504
56,951
74,243
53,380
68,810
91,961
112,034
130,515
156,479
69,911
81,037
114,215
42,123
49,478
42,264
35,774
45,965
41,684
20,000
34,500
34,500
0.00 -
0.00 -
48,342
26,088
65,837
13.63%
13.19%
10.68%
13.35%
11.44%
8.55%
10.55%
10.27%
8.03%
1.66
1.64
2.70
1.79
1.33
1.21
46.52%
51.63%
51.89%
9.78
21.18
14.01
22.55%
22.14%
24.87%
77.45%
77.86%
75.13%
13.13
10.10
11.31
1.35
0.57
1.58
2.07
1.72
2.61
2015

(Thousand Rupees)
2013
2014
2015
97,142
201,916
192,417
100,000
200,000
200,000
0(2,858)
1,916
0-
(7,583)
-
2,115
10,759
13,397
1,655
9,486
10,004
460
1,273
3,393
99,257
212,675
205,814
66,510
151,017
130,123
63,730
92,449
115,359
2,780
58,568
14,764
32,747
61,658
75,691
6,252
8,497
12,234
26,495
53,161
63,457
40,676
35,647
34,604
27,695
30,596
48,943
12,981
5,051
(14,339)
12,788
4,774
(9,499)
100
200
0.00 -
200
-
0.00 -
12,262
(43,692)
30,795
13.16%
2.36%
-4.94%
0.13
2.49%
-7.32%
12.88%
2.24%
-4.62%
2.13
6.06
-3.41
127.88
23.87
-47.50
64.21%
43.47%
56.05%
40.19
15.92
13.01
2.13%
5.06%
6.51%
97.87%
94.94%
93.49%
971.42
1,009.58
962.09
0.96
-9.15
-3.24
7.41
-4.61
3.08
2015

(Thousand Rupees)
2013
2014
472,873
547,259
658,811
447,000
500,000
600,000
25,873
47,259
58,811
0-
2015
86,737
86,083
131,161
74,185
75,970
126,731
12,552
10,113
4,430
559,610
633,342
789,972
356,749
397,470
614,559
172,596
195,127
411,321
184,153
202,343
203,238
202,861
235,872
175,413
84,453
105,888
106,811
118,408
129,984
68,602
223,090
279,208
332,105
185,050
244,247
313,003
38,040
34,961
19,102
25,139
21,387
11,552
4,470
5,000
6,000
0.00 -
0.00 -
(51,919)
20,475
156,306
5.32%
3.91%
1.75%
7.84%
6.27%
2.88%
4.49%
3.38%
1.46%
4.86
6.99
16.39
5.62
4.28
1.93
30.84%
30.81%
52.07%
4.81
5.23
4.85
0.16
13.59%
0.17
0.85
86.41%
0.83
105.79
109.45
109.80
-2.07
0.96
13.53
-0.70
0.27
1.23
2015

(Thousand Rupees)
2013
2014
2015
201,312
206,475
204,361
200,000
200,000
200,000
1,312
6,475
4,361
0-
249
168
128
249
168
128
201,561
206,643
204,489
148,918
154,754
152,494
146,017
152,228
149,916
2,901
2,526
2,578
52,643
51,889
51,995
2,005
1,315
582
50,638
50,574
51,413
23,085
20,546
19,013
12,306
12,721
12,297
10,779
7,825
6,716
7,006
5,163
4,485
20,000
20,000
20,000
0.00 -
0.00 -
649
1,572
442
3.48%
0.03
2.19%
5.35%
3.79%
3.29%
3.48%
0.03
2.19%
1.14
1.63
1.83
0.35
0.26
0.22
72.44%
73.67%
73.31%
598.06
921.15
1,191.36
0.12%
0.08%
0.06%
99.88%
99.92%
99.94%
10.07
10.32
10.22
0.09
0.30
0.10
2.61
9.36
3.45
2015

(Thousand Rupees)
2013
2014
2015
296,531
305,239
308,457
300,000
300,000
300,000
0-
(3,469)
5,239
0-
8,457
-
16,306
26,486
30,967
7,907
18,290
10,630
8,399
8,196
20,337
312,837
331,725
339,424
223,421
242,178
247,434
200,923
227,444
230,525
22,498
14,734
16,909
89,416
89,547
91,990
8,337
7,232
7,167
81,079
82,315
84,823
97,359
93,995
92,395
82,159
80,530
86,943
15,200
13,465
5,452
15,527
8,709
3,218
3,000
3,000
3,000
0.00 -
0.00 -
6,620
29,824
2,277
5.24%
2.85%
1.04%
4.98%
0.04
1.66%
4.96%
2.63%
0.95%
5.41
5.98
15.95
5.18
2.90
1.07
64.23%
68.56%
67.92%
28.26
13.24
23.28
5.21%
7.98%
9.12%
94.79%
92.02%
90.88%
98.84
101.75
102.82
0.43
3.42
0.71
0.84
1.63
0.21
2015
200,268
200,000
0
268
2,000
7,474
7,202
272
209,742
112,005
108,374
3,631
97,737
38,430
59,307
40,654
38,149
2,505
2,102
2,000
5,982
1.05%
1.24%
0.01
15.23
1.05
51.67%
15.55
3.56%
95.48%
100.13
2.85
0.83
2015

(Thousand Rupees)
2013
2014
2015
144,655
201,766
204,823
140,134
200,134
200,133
4,521
1,632
4,690
4,500
5,000
1,327
2,941
29,545
1,327
2,941
29,545
145,982
209,207
239,368
105,065
104,181
138,513
97,873
101,571
135,218
7,192
2,610
3,295
40,917
105,026
100,855
3,047
5,744
4,905
37,870
99,282
95,950
33,374
34,383
42,517
30,094
31,904
37,991
3,280
2,479
4,526
2,215
1,611
3,057
1,401
2,001
2,001
0.00 -
0.00 -
2,076
6,684
30,620
1.53%
0.01
1.49%
2.27%
0.01
2.16%
1.52%
0.77%
1.28%
9.18
12.87
8.39
1.58
0.80
1.53
67.04%
48.55%
56.49%
79.17
35.42
4.69
0.91%
1.41%
12.34%
99.09%
96.44%
85.57%
103.23
100.82
102.34
0.94
4.15
10.02
1.56
2.27
1.04
2015

(Thousand Rupees)
2013
2014
2015
325,602
365,160
390,574
200,000
290,000
290,000
0125,602
75,160
0-
100,574
-
268,450
362,065
408,273
268,450
362,065
402,773
5,500
594,052
727,225
798,847
483,557
580,617
669,150
455,296
541,212
569,796
28,261
39,405
99,354
110,495
146,608
129,697
49,913
59,400
82,298
60,582
87,208
47,399
404,582
496,634
437,076
349,214
434,733
397,604
55,368
61,901
39,473
34,095
39,559
25,414
20,000
29,000
29,000
0.00 -
0.00 -
84,111
131,165
74,226
10.47%
10.83%
6.51%
0.17
16.95%
9.97%
5.74%
5.44%
3.18%
6.31
7.02
10.07
1.70
1.36
0.88
76.64%
74.42%
71.33%
1.80
1.60
1.66
45.19%
49.79%
51.11%
54.81%
50.21%
48.89%
16.28
12.59
13.47
2.47
3.32
2.92
0.31
0.36
0.18
2015
193,546
200,000
0
(6,454)
3,439
3,274
165
196,985
156,988
130,160
26,828
39,997
5,035
34,962
34,753
31,722
3,031
2,515
20,000
-
(25,629)
0.01
1.56%
1.28%
10.47
0.13
66.08%
47.95
1.75%
98.25%
9.68
-10.19
-7.83
2015
(Thousand Rupees)
2013
2014
2015
87,538,324
91,043,067
100,762,868
30,403,452
33,625,938
34,389,169
27,840,211
27,872,780
28,749,537
29,294,661
29,544,349
37,624,162
2,437,720
1,946,133
1,852,773
597,470,218
714,926,212
772,907,708
474,244,067
583,287,684
635,640,323
88,236,846
93,534,186
95,424,681
34,989,305
38,104,342
41,842,704
687,446,262
807,915,412
875,523,349
63,471,524
54,313,042
68,864,179
34,699,248
41,915,574
41,981,288
487,603,426
592,363,504
639,794,470
92,413,496
109,614,924
113,799,947
9,258,568
9,708,368
11,083,465
10,491,485
9,745,485
11,204,448
176,133,029
201,573,960
233,750,455
138,187,791
159,696,733
189,618,388
72,053,153
82,058,458
89,213,747
55,194,059
64,918,536
71,789,559
44,154,679
52,239,559
72,434,043
15,980,611
17,330,033
23,879,044
12,894,509
13,701,830
18,819,121
3,021,178
3,154,532
3,210,855
N/A
N/A
N/A
N/A
N/A
N/A
30,306,353
40,156,591
59,080,495
14.73%
15.05%
18.68%
1.88%
0.02
2.15%
4.27
4.34
5.86
39.94%
40.65%
37.86%
342.43%
381.26%
3.85
7.59%
0.06
5.91%
9.23%
6.72%
7.87%
70.93%
73.32%
73.08%
12.73%
11.27%
11.51%
28.97
28.86
31.38
235.03%
293.07%
313.94%
2015
(Thousand Rupees)
2013
2014
2015
9,604,981
11,559,431
12,804,392
5,256,906
7,250,974
7,250,974
674,555
108,688
294,388
3,673,520
4,199,769
5,259,030
513,612,931
624,241,712
674,773,065
468,114,062
574,457,431
622,994,218
23,582,518
26,260,092
27,299,893
21,916,351
23,524,189
24,478,954
523,217,912
635,801,143
687,577,457
46,469,182
34,462,669
44,090,759
34,501,434
41,762,889
41,815,580
407,230,492
509,589,285
550,454,163
33,297,906
47,956,674
48,508,758
1,718,898
2,029,626
2,708,197
619,758
1,007,538
804,197
106,913,113
124,920,503
151,113,776
105,006,747
122,919,049
148,951,235
38,074,986
46,711,753
52,766,679
36,533,507
45,334,840
51,301,657
40,523,919
46,571,456
65,139,734
4,155,942
4,901,298
6,117,437
2,827,069
3,330,788
4,080,784
426,690
455,097
455,097
N/A
N/A
N/A
N/A
N/A
N/A
26,715,089
35,788,163
53,173,208
29.43%
28.81%
31.87%
0.54%
0.52%
0.59%
6.63
7.32
8.97
34.79%
36.88%
34.44%
1433.43%
1398.21%
1596.26%
0.59%
0.82%
0.54%
8.88%
5.42%
6.41%
77.83%
80.15%
80.06%
1.84%
1.82%
1.86%
22.51
25.40
28.14
944.97%
1074.47%
1303.01%
2015
(Thousand Rupees)
2013
2014
2015
419,022
363,902
350,974
935,494
935,494
935,494
(571,686)
(641,812)
(655,612)
55,214
70,220
71,092
5,215,486
8,825,330
15,307,736
4,860,342
8,256,342
14,444,778
180,850
274,885
467,929
174,294
294,103
395,029
5,634,508
9,189,232
15,658,710
313,425
572,661
1,339,795
965,593
3,523
10,347
5,157,389
8,099,714
13,682,874
(856,308)
454,655
554,978
54,409
58,679
70,716
27,921
33,855
27,544
4,474,726
5,214,947
9,150,640
4,312,688
4,976,433
8,837,691
731,150
1,413,037
2,036,899
608,119
1,243,399
1,778,293
2,912,022
2,908,522
5,743,284
16,551
18,685
4,160
12,082
15,006
871
93,549
93,549
93,549
0.00
0.00
0.00
0.00
2,611,271
2,463,754
5,153,454
2.88%
4.12%
0.25%
0.21%
0.16%
0.01%
0.13
0.16
0.01
0.14
24.99%
20.12%
24102.15%
19382.39%
659389.67%
0.65%
0.68%
0.31%
5.56%
6.23%
8.56%
91.53%
88.14%
87.38%
7.44%
3.96%
2.24%
4.48
3.89
3.75
216.13
16418.46%
591670.95%
2015

(Thousand Rupees)
2013
2014
2015
300,529
305,088
203,546
500,000
500,000
500,000
(199,471)
(194,912)
(296,454)
431,054
333,224
388,356
270,229
229,239
245,782
135,040
70,060
102,713
25,785
33,925
39,861
731,583
638,312
591,902
109,664
88,079
81,512
460,091
395,801
374,486
153,707
148,647
132,883
8,121
5,785
3,021
73,466
32,469
20,474
723,235
341,502
434,253
721,750
340,186
432,503
679,218
270,548
383,837
679,218
270,548
383,837
96,623
6,008
66,592
56,540
14,094
3,243
55,443
13,842
1,337
50,000
50,000
50,000
0.00
0.00
0.00
0.00
0.00
0.00
(52,439)
(133,311)
(66,391)
18.45%
4.54%
0.66%
7.58%
2.17%
0.23%
1.11
0.28
0.03
94.11%
79.53%
88.75%
174.27%
0.43
49.81
10.18%
9.54%
4.73%
14.99%
0.14
13.77%
62.89%
62.01%
63.27%
41.08%
0.48
34.39%
6.01
6.10
4.07
-94.58%
-963.09%
-4965.67%
2015
(Thousand Rupees)
2013
2014
2015
211,470
230,493
199,683
594,292
594,292
594,292
(382,822)
(363,799)
(394,609)
341,532
348,835
341,993
269,042
247,312
215,406
68,745
98,966
109,202
3,745
2,557
17,385
553,002
579,328
541,676
188,821
207,319
189,137
8,819
8,357
9,950
277,686
284,900
305,099
49,360
53,778
16,188
28,316
24,974
21,302
16,381
18,723
9,852
260,599
225,031
42,859
219,576
142,582
31,584
184,300
203,166
99,226
118,445
120,971
73,712
87,605
39,326
16,179
4,213
28,386
(2,223)
4,984
29,048
(160)
59,429
59,429
59,429
0.00
0.00
0.00
0.00
0.00
0.00
27,362
(9,807)
(29,730)
2.36%
0.13
-0.08%
0.01
5.01%
-0.03%
0.08
0.49
0.00
53.94%
84.84%
233.38%
1757.72%
135.38%
-10111.88%
7.46%
13.13%
31.19%
34.14%
35.79%
34.92%
50.21%
49.18%
56.32%
38.24%
39.79%
36.86%
3.56
3.88
3.36
5.49
-33.76%
18581.25%
2015
(Thousand Rupees)
2013
2014
2015
2,533,372
2,834,273
3,409,743
1,000,000
1,000,000
1,000,000
500,500
750,500
950,000
1,032,872
1,083,773
1,459,743
46,570,887
64,394,209
87,855,636
43,582,653
61,222,367
83,836,320
1,294,174
1,815,614
2,216,190
1,694,060
1,356,228
1,803,126
49,104,259
67,228,482
91,265,379
7,614,047
7,666,369
14,406,587
75,322
71,300
100,187
39,585,719
55,534,580
71,941,323
1,018,936
2,872,629
3,149,588
810,235
1,083,604
1,667,694
106,673
475,995
144,448
14,058,930
18,219,910
31,033,830
13,365,479
17,595,939
30,351,972
3,992,240
5,184,170
9,396,055
3,483,942
4,714,369
8,941,518
7,738,253
10,270,678
18,537,493
1,398,314
1,423,373
2,225,370
929,114
950,901
1,475,470
100,000
100,000
100,000
0.65
0.75
1.00
0.00
0.00
0.00
5,765,564
7,939,450
15,860,606
36.67%
33.55%
43.27%
1.89%
1.41%
1.62%
9.29
9.51
14.75
26.07%
26.79%
29.46%
832.86%
10.80
1256.38%
0.01
2.71%
0.48%
15.51%
0.11
15.79%
80.62%
82.61%
78.83%
5.16%
4.22%
3.74%
25.33
28.34
34.10
620.54%
834.94%
1074.95%
2015
(Thousand Rupees)
2013
2014
2015
865,050
825,502
889,901
500,000
500,000
500,000
(376,552)
741,602
325,502
389,901
11,232,452
11,037,084
12,716,255
10,609,447
10,455,853
12,020,855
342,627
248,428
323,405
280,378
332,803
371,995
12,097,502
11,862,586
13,606,156
186,460
596,598
433,202
107,033
134,711
146,947
11,152,340
10,308,203
12,094,010
607,530
788,634
858,438
44,139
34,440
73,559
86,739
89,389
105,621
4,388,535
2,535,167
3,962,435
4,292,671
2,435,929
3,834,615
2,217,650
3,429,808
2,612,003
2,161,218
3,398,383
2,598,090
1,803,581
(1,278,523)
914,613
111,897
82,615
112,645
73,852
55,352
76,599
50,000
50,000
50,000
0.00
0.00
0.10
0.00
0.00
0.00
1,258,411
(1,880,798)
279,454
8.54%
6.71%
8.61%
0.61%
0.47%
0.56%
1.48
1.11
1.53
50.35%
139.51%
67.75%
2442.16%
-23.10
1194.03%
2.02%
3.67%
2.75%
1.54%
5.03%
3.18%
92.19%
0.87
88.89%
7.15%
6.96%
6.54%
17.30
16.51
17.80
1703.96%
-3397.89%
364.83%
2015
(Thousand Rupees)
2013
2014
2015
2,243,122
3,159,865
3,910,237
627,120
721,188
721,188
1,616,002
2,438,677
3,189,049
32,047,478
46,453,638
65,313,697
29,914,579
44,020,932
62,205,691
916,055
962,796
1,291,111
1,216,844
1,469,910
1,816,895
34,290,600
49,613,503
69,223,934
4,945,256
5,070,940
7,379,823
8,971
6,199
9,350
28,327,956
41,908,749
58,999,033
631,512
2,137,854
2,296,206
376,905
489,761
539,522
172,330
206,401
345,552
17,076,588
21,823,383
29,929,196
16,349,900
21,085,925
29,120,815
4,196,270
5,611,509
7,639,144
3,646,764
5,082,604
7,021,641
9,477,505
12,256,165
17,492,293
1,389,941
2,001,463
2,441,560
941,471
1,361,532
1,621,560
62,712
72,119
72,119
0.60
0.95
1.35
0.15
0.00
0.00
7,390,766
9,457,705
14,024,645
41.97%
43.09%
41.47%
2.75%
2.74%
2.34%
15.01
18.88
22.48
0.22
0.24
24.11%
1006.67%
900.17%
1078.73%
1.05%
0.98%
1.19%
14.42%
10.22%
10.66%
82.61%
84.47%
85.23%
6.54%
6.37%
5.65%
35.77
43.81
54.22
785.02%
694.64%
864.89%
2015
(Thousand Rupees)
2013
2014
2015
3,032,416
3,840,308
3,840,308
1,100,000
3,000,000
3,000,000
1,122,293
810,123
840,308
840,308
417,774,042
492,849,392
492,849,392
378,607,770
450,025,386
450,025,386
20,645,027
22,789,343
22,789,343
18,521,245
20,034,663
20,034,663
420,806,458
496,689,700
496,689,700
33,111,509
20,260,703
20,260,703
33,335,696
41,538,799
41,538,799
322,269,311
393,057,338
393,057,338
31,693,169
41,500,477
41,500,477
396,773
332,383
332,383
136,248
150,706
150,706
65,930,500
76,560,563
76,560,563
65,744,683
76,342,055
76,342,055
26,074,158
30,599,515
30,599,515
25,835,801
30,504,566
30,504,566
18,408,330
22,369,280
22,369,280
1,178,486
1,332,682
1,332,682
810,123
905,107
905,107
11,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
9,714,154
17,951,170
17,951,170
26.72%
23.57%
23.57%
0.19%
0.18%
0.18%
73.65
30.17
30.17
0.39
39.96%
39.96%
2272.29%
2471.45%
2471.45%
0.21%
0.00
0.00
7.87%
4.08%
4.08%
76.58%
79.14%
79.14%
0.72%
0.77%
0.77%
275.67
128.01
128.01
11.99
1983.32%
1983.32%
2015
(Thousand Rupees)
2013
2014
2015
76,257,934
77,941,312
86,233,996
22,578,241
23,731,587
24,456,223
26,996,078
27,609,511
28,743,287
26,683,615
26,600,214
33,034,486
2,432,295
1,956,934
1,983,645
75,700,325
79,349,181
83,374,697
63,297,672
65,632,513
66,729,601
12,402,653
13,716,668
16,645,096
154,390,554
159,247,427
171,592,338
13,762,078
14,944,732
14,672,015
195,687
150,577
164,609
75,795,126
77,353,689
85,209,311
57,361,032
59,377,993
63,409,955
7,276,631
7,420,436
8,136,448
9,772,495
8,644,302
10,307,943
62,063,032
68,595,166
73,311,297
31,357,857
34,689,857
38,395,970
31,885,338
32,433,165
33,554,026
17,533,867
18,134,122
19,080,402
3,648,757
5,519,987
7,310,696
11,740,259
12,374,854
18,070,272
9,987,073
10,353,414
15,116,405
2,337,656
2,435,097
2,487,560
N/A
N/A
N/A
N/A
N/A
N/A
1,720,620
2,703,933
2,995,058
0.13
13.28%
17.53%
6.47%
0.07
8.81%
4.27
4.25
6.08
55.92%
52.27%
49.69%
36.53%
53.32%
48.36%
31.16%
24.92%
26.85%
8.91%
9.38%
8.55%
49.09%
48.57%
49.66%
49.39%
48.94%
50.26%
32.62
32.01
34.67
17.23%
26.12%
19.81%
2015

(Thousand Rupees)
2013
2014
2015
397,661
513,976
398,102
300,000
300,000
300,000
97,661
213,976
98,102
1,217,715
848,289
1,499,353
973,678
762,683
1,428,871
244,037
85,606
70,482
1,615,376
1,362,265
1,897,455
741,103
626,000
641,381
861,141
717,438
1,236,316
13,132
18,827
19,758
579,943
777,874
544,729
152,056
244,938
66,479
550,502
103,839
357,789
29,127
10,215
39,060
60,529
123,799
(70,067)
125,729
277,500
(31,968)
80,505
182,576
(31,943)
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(6,067)
(83,730)
65,890
20.24%
35.52%
-8.02%
4.98%
0.13
-1.68%
2.68
6.09
-1.06
19.16%
4.17%
58.76%
75.19%
67.81%
219.35%
0.00
0.00
0.00
45.88%
45.95%
0.34
0.00
0.00
0.00
24.62%
37.73%
20.98%
13.26
17.13
13.27
-7.54%
-45.86%
-206.27%
2015
(Thousand Rupees)
2013
2014
2015
13,046,547
14,104,244
15,646,569
3,500,000
3,500,000
3,500,000
1,440,409
1,395,150
1,436,586
8,106,138
9,209,094
10,709,983
14,155,439
14,727,767
16,609,410
12,008,701
12,407,135
13,929,842
2,146,738
2,320,632
2,679,568
27,201,986
28,832,011
32,255,979
2,546,276
2,876,630
2,898,132
16,151
14,225
16,998
11,359,717
13,482,064
15,393,433
12,083,170
11,345,294
12,646,219
1,196,672
1,113,798
1,301,197
2,357,262
2,060,861
2,404,312
10,076,581
12,145,147
13,639,368
5,506,556
6,302,550
7,747,391
7,604,981
6,120,624
8,143,077
3,486,861
4,088,215
4,779,707
136,560
369,210
853,936
2,210,395
2,030,472
2,826,622
1,966,159
1,879,098
2,554,810
350,000
350,000
350,000
0.35
0.28
0.30
1.83
0.00
0.00
(336,674)
1,147,794
838,188
15.07%
13.32%
16.33%
7.23%
6.52%
7.92%
5.62
5.37
7.30
63.32%
64.87%
61.69%
6.95%
19.65%
33.42%
42.81%
0.33
31.03%
9.36%
9.98%
8.98%
41.76%
46.76%
47.72%
47.96%
48.92%
48.51%
37.28
40.30
44.70
-17.12%
61.08%
32.81%
2015

(Thousand Rupees)
2013
2014
2015
135,647
152,217
152,217
140,400
140,400
140,400
1,650
1,650
1,650
(6,403)
10,167
10,167
1,784
2,597
2,597
1,784
2,597
2,597
137,431
154,814
154,814
5,466
6,348
6,348
28,733
16,355
16,355
102,723
131,684
131,684
509
427
427
15,052
14,465
14,465
14,234
16,832
16,832
13,878
16,571
16,571
14,040
14,040
14,040
0.00
0.00
0.00
0.00
0.00
0.00
(2,043)
(2,420)
(2,420)
10.23%
10.89%
10.89%
0.10
0.11
0.11
0.99
1.18
1.18
0.00
0.00
0.00
-
3.98%
0.04
0.04
20.91%
10.56%
10.56%
0.99
98.32%
98.32%
9.66
10.84
10.84
-14.72%
-0.15
-0.15
2015
(Thousand Rupees)
2013
2014
2015
586,856
710,311
805,316
300,000
300,000
500,000
151,381
151,381
151,381
135,475
258,930
153,935
1,251,053
1,469,542
1,571,437
1,062,431
1,242,815
1,314,702
188,622
226,727
256,735
1,837,909
2,179,853
2,376,753
102,403
207,641
132,469
2,866
3,910
2,685
785,754
860,171
96,932
857,965
1,033,574
2,072,089
88,921
74,557
72,578
78,329
101,341
75,383
1,230,932
1,330,854
1,545,612
563,744
705,323
780,180
452,217
622,815
593,629
317,378
410,817
429,297
126,637
150,515
180,158
123,040
150,594
153,511
102,577
123,037
115,214
30,000
30,000
50,000
0.00
0.00
0.00
0.00
0.00
0.00
(35,965)
81,469
(9,452)
17.48%
17.32%
14.31%
5.58%
5.64%
4.85%
3.42
4.10
2.30
0.56
58.25%
55.03%
123.46%
122.33%
156.37%
13.89%
14.37%
9.66%
5.57%
9.53%
5.57%
42.75%
39.46%
4.08%
31.93%
32.59%
33.88%
19.56
23.68
16.11
-35.06%
66.22%
-0.08
2015
(Thousand Rupees)
2013
2014
2015
525,606
577,945
600,399
300,000
300,000
300,000
225,606
277,945
300,399
740,245
771,245
980,532
631,297
638,064
814,145
108,948
133,181
166,387
1,265,851
1,349,190
1,580,931
33,816
41,511
67,576
972
1,537
2,287
1,196,738
1,265,763
1,474,341
34,325
40,379
36,727
87,295
101,228
122,960
1,294,270
1,492,970
1,664,793
798,144
994,753
1,026,724
864,386
1,047,409
1,112,362
581,895
731,942
769,980
116,283
157,780
135,011
183,050
234,282
229,913
131,621
172,339
172,454
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
109,910
57,062
213,864
25.04%
29.82%
28.72%
0.10
12.77%
10.91%
4.39
5.74
5.75
72.91%
73.58%
74.99%
88.35%
91.55%
78.29%
10.94%
10.18%
11.98%
2.67%
3.08%
4.27%
0.08%
0.11%
0.14%
41.52%
42.84%
37.98%
17.52
19.26
20.01
0.84
33.11%
124.01%
2015

(Thousand Rupees)
2013
2014
2015
583,721
603,304
635,309
403,600
403,600
403,600
10,175
10,175
10,175
169,946
189,529
221,534
444,581
426,408
339,167
338,208
225,387
244,081
106,373
201,021
95,086
1,028,302
1,029,712
974,476
75,847
64,319
33,151
587,325
614,688
654,630
349,765
336,860
276,288
15,365
13,845
10,407
158,328
87,972
77,297
265,239
219,652
179,989
115,149
90,907
63,215
98,984
117,407
135,756
55,815
53,856
14,991
(30,534)
(42,981)
(12,280)
103,200
23,056
41,128
97,677
19,509
31,664
40,360
40,360
40,360
0.00
0.00
0.00
0.00
0.00
0.00
(47,030)
(65,602)
(68,339)
16.73%
3.23%
4.98%
0.10
1.89%
3.25%
2.42
0.48
0.78
48.47%
59.24%
23.71%
-31.26%
-220.31%
-38.78%
1.38
96.77%
122.28%
7.38%
6.25%
0.03
57.12%
0.60
67.18%
56.77%
58.59%
65.19%
14.46
14.95
15.74
-48.15%
-336.27%
-215.83%
2015

(Thousand Rupees)
2013
2014
2015
372,304
419,817
488,142
300,000
300,000
300,000
2,500
2,500
2,500
69,804
117,317
185,642
136,060
136,060
136,060
158,322
257,073
328,487
125,889
179,948
244,865
32,433
77,125
83,622
666,686
812,950
952,689
49,162
53,813
70,764
217,249
228,173
233,607
155,789
254,502
433,063
244,486
276,462
215,255
37,794
33,354
12,926
154,004
304,784
450,174
70,332
190,975
347,054
59,841
48,919
87,142
24,625
41,954
64,193
9,079
60,260
125,980
20,830
59,581
93,086
19,541
47,513
68,325
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.20
6,897
15,914
115,450
5.25%
11.32%
0.14
2.93%
5.84%
7.17%
0.65
1.58
2.28
35.01%
21.97%
0.19
46.46%
126.83%
184.38%
53.74%
17.47%
3.72%
7.37%
6.62%
7.43%
32.59%
28.07%
24.52%
55.84%
51.64%
51.24%
12.41
13.99
16.27
0.35
33.49%
168.97%
2015
(Thousand Rupees)
2013
2014
2015
618,476
779,535
975,777
388,344
388,344
388,344
74,658
74,658
74,658
155,474
316,533
512,775
0
1,619,519
0
01,718,415
1,865,924
0-
1,326,718
1,417,276
1,502,297
292,801
301,139
363,627
2,237,995
2,497,950
2,841,701
119,603
133,969
115,264
1,111
1,586
1,488
912,463
1,061,355
1,203,669
1,137,695
1,251,719
1,421,756
67,123
49,321
99,524
65,022
125,959
104,032
1,605,033
1,719,458
2,005,056
841,925
971,450
1,091,884
749,096
931,063
1,017,248
464,838
561,424
537,792
206,764
209,802
337,909
149,636
202,217
274,916
119,065
163,415
198,508
38,834
38,834
38,834
0.00
0.00
0.15
0.00
0.00
0.10
(169,060)
28,955
120,099
19.25%
20.96%
20.34%
5.32%
6.54%
6.99%
3.07
4.21
5.11
55.21%
57.79%
49.25%
173.66%
128.39%
170.22%
7.72%
12.97%
9.53%
5.34%
5.36%
4.06%
40.77%
42.49%
42.36%
27.64%
31.21%
34.34%
15.93
20.07
25.13
-141.99%
17.72%
0.61
2015
(Thousand Rupees)
2013
2014
2015
1,438,031
1,667,502
1,845,899
637,831
701,614
701,614
344,064
421,064
545,064
456,136
544,824
599,221
1,576,705
1,676,517
1,951,115
1,279,048
1,310,866
1,533,346
297,657
365,651
417,769
3,014,736
3,344,019
3,797,014
162,163
433,170
428,284
162
194
150
1,550,372
1,868,597
2,124,477
1,245,899
990,206
1,187,872
56,140
51,852
56,231
246,399
294,682
357,016
1,400,230
1,651,321
1,964,485
755,684
878,381
959,230
412,846
301,752
493,839
163,418
210,525
203,946
342,893
406,713
462,708
587,572
690,815
797,819
455,973
544,968
601,157
63,783
70,161
70,161
0.50
0.60
0.60
0.10
0.00
0.00
100,698
592,054
299,951
31.71%
32.68%
32.57%
15.12%
0.16
15.83%
7.15
7.77
8.57
21.63%
23.97%
21.26%
0.75
74.63%
76.97%
32.61%
33.55%
37.22%
5.38%
12.95%
11.28%
51.43%
55.88%
55.95%
0.48
49.87%
48.61%
22.55
23.77
26.31
22.08%
108.64%
0.50
2015
(Thousand Rupees)
2013
2014
2015
1,111,606
1,185,311
1,753,891
457,244
457,244
457,244
373,024
373,024
373,024
281,338
355,043
923,623
627,323
691,412
906,468
494,563
561,805
746,687
132,760
129,607
159,781
1,738,929
1,876,723
2,660,359
105,278
245,205
173,451
1,112,661
1,095,864
1,732,984
473,895
487,275
697,726
47,095
48,379
56,198
133,173
135,888
634,704
667,073
755,311
1,034,842
321,673
388,502
515,005
207,704
291,784
448,805
159,306
201,946
299,836
82,998
107,828
128,261
150,750
158,454
649,260
147,335
142,372
638,313
45,724
45,724
45,724
0.15
0.15
0.50
0.00
0.00
0.00
45,094
46,432
10,147
13.25%
12.01%
36.39%
8.47%
7.59%
23.99%
3.22
3.11
13.96
49.52%
51.98%
58.22%
56.33%
75.74%
20.09%
0.41
34.98%
123.24%
6.05%
13.07%
6.52%
63.99%
58.39%
65.14%
63.92%
63.16%
65.93%
24.31
25.92
38.36
30.61%
32.61%
1.59%
2015

(Thousand Rupees)
2013
2014
2015
312,015
326,898
326,898
300,000
300,000
300,000
12,015
26,898
26,898
165,949
265,520
265,520
127,135
172,398
172,398
38,814
93,122
93,122
477,964
592,418
592,418
6,311
146,953
146,953
49,791
631
631
28,761
28,886
28,886
138,616
159,407
159,407
254,485
256,541
256,541
3,385
6,539
6,539
125,810
148,616
148,616
11,209
36,096
36,096
22,325
106,501
106,501
(3,372)
(14,268)
(14,268)
14,710
39,980
39,980
7,388
23,141
23,141
6,242
14,751
14,751
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(1,644)
81,668
81,668
0.02
4.51%
4.51%
1.31%
2.49%
2.49%
0.21
0.49
0.49
-30.08%
-39.53%
-39.53%
235.66%
271.03%
271.03%
0.30
18.12%
18.12%
1.32%
24.81%
24.81%
6.02%
4.88%
4.88%
65.28%
55.18%
55.18%
10.40
10.90
10.90
-26.34%
553.64%
553.64%
2015
(Thousand Rupees)
2013
2014
2015
88,749
552,043
633,726
121,000
620,125
620,125
26,265
26,265
26,265
(58,516)
(94,347)
(12,664)
(199,650)
(123,650)
76,074
222,449
328,145
70,487
175,241
215,569
5,587
47,208
112,576
164,823
574,842
838,221
6,954
4,140
11,753
14,680
269,997
78,061
132,086
283,427
727,359
11,103
17,278
21,048
8,154
6,644
9,056
84,926
237,051
265,768
55,767
136,248
236,907
28,569
39,590
73,939
14,087
25,172
92,333
6,115
19,069
30,292
2,068
(34,467)
89,855
1,467
(35,830)
81,682
12,100
62,013
62,013
0.00
0.00
0.00
0.00
0.00
0.00
(61,790)
(62,734)
(378,694)
1.65%
-6.49%
12.89%
0.89%
-6.23%
9.74%
0.12
-0.58
1.32
25.26%
18.48%
38.97%
416.84%
-53.22%
37.09%
14.62%
4.88%
3.82%
4.22%
0.72%
0.01
8.91%
46.97%
9.31%
53.85%
96.03%
0.76
7.33
8.90
10.22
-42.12
175.09%
-463.62%
2015
(Thousand Rupees)
2013
2014
2015
11,907,929
13,111,099
15,847,012
1,250,000
1,600,000
1,600,000
9,012,902
9,512,902
10,512,902
1,645,027
1,998,197
3,734,110
17,030,608
16,116,146
16,417,023
15,091,960
14,086,041
14,139,638
1,938,648
2,030,105
2,277,385
28,938,537
29,227,245
32,264,035
2,083,142
1,520,795
1,748,996
2,309
2,578
2,114
15,001,642
15,860,356
19,356,874
10,991,033
10,923,950
10,054,733
860,411
919,566
1,101,318
771,958
914,981
1,202,481
13,882,077
14,514,105
15,008,465
6,341,517
6,532,352
6,676,862
3,558,821
5,834,749
5,327,662
3,406,415
2,973,025
2,998,060
771,848
1,316,402
1,533,660
1,622,876
2,262,240
4,809,131
1,392,232
1,829,051
4,033,902
125,000
160,000
160,000
0.50
0.60
0.75
0.28
0.00
0.25
1,219,271
(214,213)
1,342,009
11.69%
13.95%
25.46%
4.81%
6.26%
0.13
11.14
11.43
25.21
53.72%
45.51%
0.45
55.44%
71.97%
38.02%
12.17%
14.01%
18.01%
0.07
0.05
5.42%
51.84%
54.27%
0.60
41.15%
44.86%
49.12%
95.26
81.94
99.04
87.58%
-11.71%
33.27%
2015
(Thousand Rupees)
2013
2014
2015
559,285
664,912
756,014
365,002
401,502
451,690
100,000
100,000
100,000
94,283
163,410
204,324
516,702
734,041
819,256
413,314
564,329
642,460
103,388
169,712
176,796
1,075,987
1,398,953
1,575,270
35,820
82,481
66,944
551,419
729,551
896,385
432,442
533,721
490,356
56,306
53,200
121,585
100,907
97,173
33,141
1,124,297
1,419,871
1,767,738
622,572
760,242
870,242
456,445
504,241
502,857
253,987
305,386
378,315
116,902
139,472
163,415
148,579
171,768
183,894
126,367
142,127
131,252
36,500
40,150
45,169
0.00
0.00
0.10
0.00
0.00
0.13
110,105
157,743
161,780
22.59%
21.38%
17.36%
11.74%
10.16%
8.33%
3.46
3.54
2.91
0.41
40.17%
43.47%
92.51%
98.13%
1.25
16.21%
12.78%
3.81%
3.33%
0.06
4.25%
51.25%
52.15%
0.57
51.98%
47.53%
47.99%
15.32
16.56
16.74
87.13%
110.99%
123.26%
2015

(Thousand Rupees)
2013
2014
2015
308,867
315,624
322,700
300,000
-
300,000
-
8,867
0
19,182
0
300,000
-
15,624
22,700
015,694
10,389
0-
14,224
12,084
8,628
4,958
3,610
1,761
328,049
331,318
333,089
6,098
5,030
34,872
305,757
312,253
284,854
13,378
11,773
9,222
2,816
2,262
4,141
28,842
38,573
20,537
6,925
4,145
3,802
4,644
2,391
359
7,510
830
1,744
4,867
430
(3,907)
(5,873)
(4,364)
927
6,629
8,384
10,718
4,634
4,842
7,076
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
5,390
(10,049) -
0.02
1.53%
2.19%
1.41%
1.46%
2.12%
0.15
0.16
0.24
1.05
17.98%
-10.88
-126.74%
-90.13%
0.13
621.06%
1613.26%
5720.61%
1.86%
1.52%
10.47%
0.93
94.25%
85.52%
94.15%
95.26%
96.88%
10.30
10.52
10.76
116.31%
-207.54%
0.00
2015
(Thousand Rupees)
2013
2014
2015
1,025,035
1,160,047
1,134,208
495,499
619,374
619,374
254,122
254,122
264,122
275,414
286,551
250,712
0-
1,212,635
1,690,952
1,608,657
915,146
1,356,719
1,260,422
297,489
334,233
348,235
2,237,670
2,850,999
2,742,865
60,618
74,558
136,364
29,151
27,453
45,258
1,117,367
1,043,878
895,064
1,019,517
1,691,417
1,641,750
11,017
13,693
24,429
240,301
256,869
199,615
963,147
1,009,255
1,123,213
438,332
458,726
500,364
385,740
1,272,548
816,777
215,023
221,537
221,739
73,168
86,838
117,940
270,357
292,809
258,549
243,981
260,008
226,867
99,100
123,875
123,875
0.25
0.40
0.35
0.25
0.00
0.00
(34,545)
(196,907)
(35,539)
0.24
22.41%
0.20
0.11
9.12%
8.27%
2.46
2.10
1.83
49.05%
48.29%
44.32%
29.99%
0.33
51.99%
54.82%
0.56
39.89%
2.71%
2.62%
4.97%
49.93%
36.61%
32.63%
45.81%
40.69%
41.35%
10.34
9.36
9.16
-14.16%
-75.73%
-15.67%
2015

(Thousand Rupees)
2013
2014
2015
91
246
246
5,000
5,000
5,000
(4,909)
(4,754)
(4,754)
2,734
2,744
2,744
1,448
1,448
1,448
1,286
1,296
1,296
2,825
2,990
2,990
477
662
662
1,411
591
591
937
1,737
1,737
239
156
156
239
156
156
500
500
500
0.00
0.00
0.00
0.00
0.00
0.00
(115)
(115)
262.64%
63.41%
63.41%
8.46%
5.22%
5.22%
0.48
-
0.31
-
0.00
-
0.31
-
0.00
-
0.00
-
16.88%
22.14%
22.14%
0.00
0.00
0.00
3.22%
8.23%
8.23%
0.18
0.49
0.49
0.00
-73.72%
-73.72%
2015
(Thousand Rupees)
2013
2014
2015
10,928,233
11,579,146
12,260,735
1,115,359
1,226,895
1,226,895
8,749,620
8,470,780
8,102,711
1,063,254
1,881,471
2,931,129
2,299,190
2,910,944
2,389,891
0-
1,503,578
1,638,710
1,698,799
795,612
1,272,234
691,092
13,227,423
14,490,090
14,650,626
255,886
315,199
367,174
11,269,846
12,323,907
12,515,647
1,484,755
1,615,128
1,547,062
216,936
235,856
220,743
691,351
940,878
1,445,480
2,035,289
2,139,673
2,343,705
1,066,554
1,044,933
1,121,949
1,103,328
1,051,471
1,074,221
766,535
594,539
586,425
104,616
208,195
256,411
555,232
942,101
1,531,753
481,067
822,801
1,293,046
111,536
122,690
122,690
0.25
0.30
0.60
0.10
0.00
0.00
151,792
232
34,479
0.04
7.11%
10.55%
3.64%
5.68%
8.83%
4.31
6.71
10.54
71.87%
0.57
52.27%
21.75%
0.25
19.83%
64.82%
90.04%
128.84%
1.93%
2.18%
2.51%
0.85
85.05%
85.43%
82.62%
79.91%
83.69%
97.98
94.38
99.93
31.55%
0.03%
2.67%
2015
(Thousand Rupees)
2013
2014
2015
4,759,795
5,422,877
5,906,404
1,364,435
1,569,100
1,569,100
2,339,384
2,749,723
3,188,811
1,055,976
1,104,054
1,148,493
8,052,157
8,115,904
9,281,465
6,090,194
5,948,613
6,598,427
1,961,963
2,167,291
2,683,038
12,811,952
13,538,781
15,187,869
1,010,385
1,021,045
1,716,842
519
577
401
7,458,984
8,455,634
9,103,388
4,202,658
3,923,244
4,202,611
139,406
138,281
164,627
803,459
803,088
1,052,195
6,569,306
6,961,247
7,978,750
3,525,777
3,644,630
4,150,808
3,227,736
3,750,451
2,548,640
2,154,726
2,082,704
2,174,381
223,275
275,147
467,724
1,220,202
1,269,822
1,713,283
1,045,315
1,079,119
1,352,650
136,444
156,910
156,910
0.30
0.40
0.45
0.15
0.00
0.00
465,149
405,313
926,444
21.96%
0.20
0.23
8.16%
7.97%
8.91%
7.66
6.88
8.62
61.11%
57.14%
52.38%
21.36%
0.26
34.58%
22.79%
22.03%
25.35%
7.89%
7.54%
0.11
58.22%
62.45%
59.94%
37.15%
40.05%
38.89%
34.88
34.56
37.64
0.45
37.56%
68.49%
2015

(Thousand Rupees)
2013
2014
2015
1,033,814
1,245,836
985,638
1,033,814
1,245,836
985,638
2,657,045
2,358,949
2,234,055
0-
2,383,029
2,041,148
1,882,328
274,016
317,801
351,727
3,690,859
3,604,785
3,219,693
1,158,730
943,749
194,478
721,292
1,085,121
1,388,050
1,763,056
1,542,250
1,604,707
47,781
33,665
32,458
166,626
262,150
158,131
1,643,164
1,796,561
1,467,479
509,870
606,613
396,778
1,057,699
1,006,271
699,407
272,280
418,815
265,045
199,584
185,248
132,960
252,269
301,694
178,290
169,526
212,022
117,945
103,381
124,584
98,564
0.00
0.00
0.00
0.00
0.00
0.00
202,802
(82,078)
(240,314)
0.16
17.02%
11.97%
4.59%
5.88%
3.66%
1.64
1.70
1.20
0.53
69.04%
0.67
117.73%
87.37%
112.73%
32.68%
43.22%
39.85%
31.39%
26.18%
6.04%
19.54%
0.30
43.11%
28.01%
34.56%
30.61%
10.00
10.00
10.00
119.63%
-38.71%
-203.75%
2015
(Thousand Rupees)
2013
2014
2015
6,571,396
6,987,412
6,938,525
3,000,000
3,000,000
3,000,000
2,058,419
2,058,419
2,058,419
1,512,977
1,928,993
1,880,106
9,734,462
10,633,930
10,450,025
0
8,424,548
09,384,677
7,204,328
1,309,914
1,249,253
3,245,697
16,305,858
17,621,342
17,388,550
2,706,379
3,081,370
3,284,965
73,156
80,688
71,080
6,549,176
6,683,902
6,349,826
6,920,708
7,726,190
7,639,105
56,439
49,192
43,574
1,101,402
1,078,904
934,710
8,659,498
8,661,334
8,134,762
4,724,399
4,783,923
5,218,942
5,427,170
3,648,047
4,324,539
2,830,901
2,793,167
2,774,829
453,376
515,325
721,858
1,705,904
1,564,705
1,772,274
1,321,148
1,244,016
1,376,697
300,000
300,000
300,000
0.25
0.25
0.25
0.00
0.00
0.00
353,440
290,875
(369,421)
0.20
0.18
19.84%
0.08
7.06%
7.92%
4.40
4.15
4.59
59.92%
58.39%
53.17%
34.32%
41.42%
52.43%
23.31%
22.55%
17.91%
0.17
17.49%
18.89%
40.16%
37.93%
36.52%
0.40
39.65%
0.40
21.90
23.29
23.13
26.75%
23.38%
-26.83%
2015

(Thousand Rupees)
2013
2014
2015
228,605
99,558
69,711
350,000
350,000
350,000
(121,395)
(250,442)
(280,289)
0
697,143
-
0853,146
548,040
0623,315
756,079
505,824
73,828
97,067
42,216
925,748
952,704
617,751
102,162
41,433
30,412
73,623
75,572
53,701
746,375
822,845
514,684
3,588
12,854
18,954
12,014
7,423
614
657,294
508,247
402,532
322,505
292,698
220,426
290,133
266,073
228,179
177,558
213,119
91,135
37,187
(52,580)
46,492
9,908
(130,803)
(34,429)
9,424
(130,962)
(34,786)
35,000
35,000
35,000
0.00
0.00
0.00
0.00
(161,281)
(59,555)
(26,479)
4.12%
-131.54%
-0.50
1.02%
-13.75%
-5.63%
0.27
-3.74
-0.99
55.06%
72.81%
41.34%
3.95
40.15%
-133.65%
3.73%
2.54%
0.28%
11.04%
4.35%
4.92%
7.95%
7.93%
8.69%
24.69%
10.45%
11.28%
6.53
2.84
1.99
-1711.39%
45.48%
76.12%
2015
(Thousand Rupees)
2013
2014
2015
1,553,908
1,528,254
1,608,424
302,821
302,821
348,244
1,345,025
1,284,461
1,208,756
(93,938)
(59,028)
51,424
2,000,389
1,901,728
2,076,988
1,443,546
1,273,748
1,487,008
556,843
627,980
589,980
3,554,297
3,429,982
3,685,412
108,938
150,993
84,797
1,223,821
1,174,956
1,143,588
1,978,079
1,859,385
2,166,051
243,459
244,648
290,976
173,463
145,734
140,295
1,239,301
1,355,682
1,405,907
652,924
694,506
770,143
1,087,583
544,055
552,292
573,236
347,120
363,668
(224,959)
(9,072)
73,488
(151,981)
40,513
123,424
(166,799)
34,647
110,616
60,564
30,282
34,824
0.20
0.10
0.10
0.00
0.15
0.20
(238,006)
(68,802)
(148,135)
-10.73%
2.27%
6.88%
-4.69%
1.01%
0.03
-2.75
1.14
3.18
0.88
49.98%
47.22%
134.87%
-26.18%
66.44%
26.57%
20.98%
18.22%
3.06%
0.04
0.02
34.43%
34.26%
31.03%
43.72%
44.56%
43.64%
25.66
50.47
46.19
142.69%
-198.58%
-133.92%
2015

(Thousand Rupees)
2013
2014
2015
653,419
725,219
786,035
366,781
403,459
463,978
160,000
180,000
200,000
126,638
141,760
122,057
803,161
870,725
980,526
710,259
772,409
875,934
92,902
98,316
104,592
1,456,580
1,595,944
1,766,561
103,089
104,499
133,927
1,517
1,534
1,418
500,322
584,868
653,670
780,371
823,391
896,803
71,281
81,652
80,743
97,437
96,216
86,693
837,228
1,028,136
1,114,396
260,758
295,757
316,423
197,655
292,354
277,775
87,893
94,300
89,862
19,599
39,447
49,220
81,205
96,540
90,788
74,705
90,140
80,989
36,678
40,346
46,398
0.05
0.05
0.05
0.10
0.15
0.10
16,692
23,354
40,013
11.43%
12.43%
0.10
5.13%
5.65%
4.58%
2.04
2.23
1.75
33.71%
31.88%
0.28
26.24%
43.76%
60.77%
37.37%
32.53%
0.27
7.08%
6.55%
7.58%
34.35%
36.65%
0.37
44.86%
45.44%
0.45
17.81
17.98
16.94
22.34%
25.91%
49.41%
2015

(Thousand Rupees)
2013
2014
2015
289,374
328,529
397,217
325,000
325,000
325,000
(35,626)
3,529
72,217
298,253
328,361
449,702
274,193
299,234
308,113
24,060
29,127
141,589
587,627
656,890
846,919
70,147
62,957
83,550
1,707
1,863
1,159
80,502
67,130
92,148
384,143
477,442
597,817
51,128
47,498
72,245
11,107
12,374
10,173
390,735
510,961
599,620
286,824
404,126
488,368
158,939
166,700
200,896
104,915
122,799
144,754
75,298
110,249
150,052
40,286
72,334
98,951
32,638
40,337
72,097
32,500
32,500
32,500
0.00
0.00
0.00
0.00
0.00
0.00
(21,209)
21,305
80,059
11.28%
12.28%
18.15%
5.55%
6.14%
8.51%
1.00
1.24
2.22
36.58%
30.39%
29.64%
230.71%
273.32%
208.13%
3.87%
3.06%
2.08%
11.94%
9.58%
9.87%
0.14
10.22%
10.88%
49.24%
50.01%
0.47
8.90
10.11
12.22
-64.98%
52.82%
111.04%
2015
(Thousand Rupees)
2013
2014
2015
7,907,536
8,494,688
9,105,167
680,625
680,625
680,625
2,000
2,000
2,000
7,224,911
7,812,063
8,422,542
2,406,640
2,538,414
2,898,883
2,086,208
2,215,913
2,557,633
320,432
322,501
341,250
10,314,176
11,033,102
12,004,050
711,775
836,804
348,585
7,261,136
7,535,303
8,347,692
2,231,150
2,540,852
3,200,299
110,115
120,143
107,474
739,388
798,818
996,486
1,872,361
1,815,744
1,850,686
367,888
524,073
441,230
404,109
723,250
1,274,538
96,689
231,652
124,531
176,942
174,156
199,759
826,446
971,395
1,094,214
760,404
897,035
913,773
68,063
68,063
68,063
0.00
0.00
0.00
0.00
0.00
0.00
77,880
(112,456)
(478,065)
9.62%
10.56%
10.04%
7.37%
8.13%
7.61%
11.17
13.18
13.43
26.28%
0.44
28.22%
23.27%
19.41%
21.86%
200.98%
152.42%
225.84%
0.07
7.58%
0.03
0.70
0.68
69.54%
76.67%
76.99%
75.85%
116.18
124.81
133.78
10.24%
-12.54%
-52.32%
2015
(Thousand Rupees)
2013
2014
2015
177,121
340,083
366,268
300,000
450,000
450,000
20,000
20,000
20,000
(142,879)
(129,917)
(103,732)
687,272
446,674
414,636
567,384
358,287
342,416
119,888
88,387
72,220
864,393
786,757
780,904
71,532
230,399
174,423
771
54
290,344
297,609
302,815
476,450
213,499
262,633
25,296
45,196
41,030
9,310
15,897
16,306
343,566
284,183
308,988
331,125
229,621
225,225
377,563
147,454
229,852
235,003
73,395
100,355
(44,700)
67,626
43,318
(102,787)
11,817
5,723
(106,253)
12,962
26,185
30,000
45,000
45,000
0.00
0.00
0.00
0.00
0.00
0.00
(1,682)
(11,741)
(31,447)
-59.99%
3.81%
7.15%
-12.29%
1.65%
3.35%
-3.54
0.29
0.58
70.97%
31.96%
44.56%
42.07%
521.73%
165.43%
2.81%
6.92%
7.24%
8.28%
29.28%
22.34%
33.59%
37.83%
38.78%
20.49%
43.23%
0.47
5.90
7.56
8.14
1.58%
-90.58%
-1.20
2015

(Thousand Rupees)
2013
2014
2015
(16,968)
(16,968)
(16,968)
10,000
10,000
10,000
(26,968)
(26,968)
(26,968)
39,593
39,593
39,593
5,363
5,363
5,363
34,230
34,230
34,230
22,625
22,625
22,625
79
79
79
189
189
189
102
102
102
7,610
7,610
7,610
14,645
14,645
14,645
(1,979)
(1,979)
(1,979)
(1,979)
(1,979)
(1,979)
1,000
1,000
1,000
0.00
0.00
0.00
0.00
0.00
0.00
(2,081)
(2,081)
(2,081)
11.66%
11.66%
11.66%
-8.75%
-8.75%
-8.75%
-1.98
-1.98
-1.98
0.00
0.00
0.00
-
0.35%
0.35%
0.35%
0.45%
0.45%
0.45%
-0.75
-0.75
-0.75
-16.97
-16.97
-16.97
105.15%
105.15%
105.15%
2015
(Thousand Rupees)
2013
2014
2015
438,827
464,758
939,557
452,313
460,000
755,159
(7,687)
138,676
(13,486)
12,445
45,722
636,718
804,988
929,401
583,353
705,341
706,793
53,365
99,647
222,608
1,075,545
1,269,746
1,868,958
108,347
8,949
640,647
353
628
785
153,238
49,941
101,351
625,468
896,685
741,465
188,139
313,543
384,710
6,995
13,773
9,840
869,879
1,220,805
1,171,256
733,461
1,048,241
1,131,293
459,719
707,390
717,882
314,174
527,030
531,771
113,578
77,805
54,879
78,363
38,952
45,621
51,523
25,930
33,278
45,231
46,000
75,516
0.00
0.00
0.00
0.00
0.00
0.00
156,320
163,392
178,931
11.74%
5.58%
3.54%
4.79%
2.04%
1.78%
1.14
0.56
0.44
42.83%
50.28%
47.01%
220.44%
300.06%
164.91%
0.95%
1.31%
0.87%
10.07%
0.01
34.28%
14.25%
3.93%
5.42%
0.41
0.37
50.27%
9.70
10.10
12.44
3.03
630.13%
537.69%
2015

(Thousand Rupees)
2013
2014
2015
1,221
(1,512)
(3,270)
2,731
515
515
(1,510)
(2,027)
(3,785)
2,940
4,475
6,316
1,806
1,728
3,529
1,134
2,747
2,787
4,161
2,963
3,046
1,100
575
839
1,040
785
785
1,282
981
1,277
739
622
145
6,159
5,075
6,166
5,765
4,446
3,863
2,596
346
90
1,929
2,027
2,158
(324)
(461)
(1,714)
(479)
(516)
(1,758)
0.00
0.00
0.00
0.00
0.00
0.00
(84)
(246)
(116)
-39.23%
34.13%
53.76%
-11.51%
-17.41%
-57.72%
0.00
7.78%
2.33%
-402.71%
-392.83%
-122.75%
0.00
0.00
0.00
26.44%
19.41%
27.54%
24.99%
26.49%
25.77%
29.34%
-51.03%
-107.35%
17.54%
47.67%
0.07
2015

(Thousand Rupees)
2013
2014
2015
316,223
317,509
518,426
300,000
300,000
500,000
7,978
8,299
8,529
8,245
9,210
9,897
1,673,664
1,672,018
1,679,912
20,502
19,645
27,367
2,798
2,898
4,385
17,704
16,747
22,982
2,010,389
2,009,172
2,225,705
10,490
10,534
12,417
7,692
7,505
7,505
1,358
3,035
4,113
1,990,849
1,988,098
2,201,670
3,147
3,769
5,095
2,513
2,875
6,624
1,598
2,212
4,082
283
455
949
283
316
470
(5,624)
(2,863)
(4,150)
1,012
1,620
606
797
1,286
916
30,000
30,000
30,000
0.00
0.00
0.00
0.00
(6,701)
(9,029)
(8,419)
0.25%
0.41%
0.18%
0.04%
0.06%
0.04%
0.03
0.04
0.03
17.71%
14.29%
11.51%
-705.65%
-222.63%
-453.06%
196.93%
170.39%
124.82%
0.52%
0.52%
0.56%
0.38%
0.37%
0.34%
15.73%
0.16
23.29%
10.54
10.58
17.28
-840.78%
-7.02
-9.19
2015

(Thousand Rupees)
2013
2014
2015
526,737
571,861
638,768
375,000
375,000
400,013
115,000
140,000
114,987
36,737
56,861
123,768
10,135
9,854
9,586
270,637
311,806
327,016
220,801
268,278
280,166
49,836
43,528
46,850
807,509
893,521
975,370
109,622
329,262
297,696
204
224
4,401
193,177
154,199
76,562
430,741
312,450
498,364
73,765
97,386
98,347
33,056
22,159
23,718
330,443
412,925
457,540
176,568
224,004
264,591
221,261
226,746
254,203
65,001
122,479
128,632
16,650
58,653
62,566
19,030
49,739
69,308
27,288
44,842
66,640
37,500
37,500
40,001
0.00
0.00
0.08
0.00
6.67%
0.00
(21,228)
97,064
(143,942)
5.18%
7.84%
10.43%
3.38%
5.02%
6.83%
0.73
1.20
1.67
36.81%
54.68%
48.62%
61.02%
1.31
93.89%
18.72%
9.89%
8.96%
13.58%
36.85%
30.52%
23.92%
17.26%
7.85%
65.23%
0.64
65.49%
14.05
15.25
15.97
-77.79%
216.46%
-2.16
2015

(Thousand Rupees)
2013
2014
2015
3,944
3,055
3,142
29
29
29
3,915
3,026
3,113
0-
13,918
14,010
9,131
7,465
7,884
7,233
6,453
6,126
1,898
17,862
17,065
12,273
3,514
2,983
1,754
840
970
10,383
10,513
10,392
3,125
2,599
127
10,411
10,844
8,801
9,333
9,633
9,527
3,984
1,082
3,040
1,234
1,052
3,415
(1,922)
(1,539)
(3,207)
(933)
(957)
191
(1,032)
(1,087)
87
0.00
0.00
0.00
0.00
0.00
0.00
1,453
(503)
(6,403)
-26.17%
-35.58%
2.77%
-5.78%
-
-6.37%
-
0.71%
-
13.22%
10.92%
35.85%
186.24%
141.58%
-3686.21%
0.00
0.00
0.00
19.67%
17.48%
14.29%
0.00
0.00
0.00
22.08%
0.18
0.26
-140.79%
46.27%
-7359.77%
2015
(Thousand Rupees)
2013
2014
2015
1,180,459
1,645,023
2,245,010
701,943
920,000
1,288,000
75,116
75,116
75,116
403,400
649,907
881,894
40,993
40,098
39,236
1,786,751
3,135,041
2,774,469
1,588,802
2,795,344
2,302,890
197,949
339,697
471,579
3,008,203
4,820,162
5,058,715
249,656
593,771
400,066
9,964
10,407
14,546
415,656
645,631
1,039,318
1,755,796
2,941,927
2,900,886
577,131
628,426
703,899
34,689
63,404
60,729
1,723,743
2,598,471
3,062,158
1,108,541
1,536,703
2,151,784
1,303,796
1,740,163
1,376,246
323,083
419,432
742,329
436,881
629,074
798,285
290,554
507,936
679,588
257,380
460,887
620,026
70,194
92,000
128,800
0.00
0.00
0.00
0.31
0.40
0.40
376,319
449,003
324,579
0-
0.22
28.02%
27.62%
8.56%
9.56%
12.26%
3.67
5.01
4.81
29.14%
27.29%
0.35
169.74%
136.49%
128.75%
3.13%
4.13%
2.82%
0.08
12.32%
7.91%
13.82%
13.39%
20.55%
39.24%
34.13%
44.38%
16.82
17.88
17.43
146.21%
97.42%
52.35%
2015
(Thousand Rupees)
2013
2014
2015
77,886
117,635
310,911
300,000
370,000
416,180
14,489
14,489
28,309
(236,603)
(266,854)
(133,578)
310,332
242,578
242,501
546,902
486,546
230,258
429,670
370,065
163,659
117,232
116,481
66,599
935,120
846,759
783,670
159,998
122,232
108,193
138,297
157,447
187,286
435,663
375,495
303,855
201,162
191,585
184,336
6,012
4,766
4,816
115,104
67,977
44,801
98,957
34,994
27,991
72,232
(25,324)
102,858
53,644
2,205
(56,152)
(17,774)
329
82,724
(87,403)
(41,023)
130,739
(89,097)
(45,839)
129,717
30,000
37,000
41,618
0.00
0.00
0.00
0.00
0.00
0.00
(48,137)
(85,276)
(77,561)
-114.39%
-38.97%
41.72%
-9.53%
-5.41%
16.55%
-2.97
-1.24
3.12
54.21%
0.06
-200.61%
19.95%
-0.72%
63.77%
6.08%
13.62%
17.21%
17.11%
14.44%
13.81%
14.79%
18.59%
0.24
8.33%
13.89%
39.67%
2.60
3.18
7.47
54.03%
186.03%
-59.79%
2015
(Thousand Rupees)
2013
2014
2015
693,730
753,053
851,871
800,000
800,000
800,000
(106,270)
(46,947)
51,871
1,054,743
1,329,727
1,800,711
924,663
1,191,718
1,595,374
130,080
138,009
205,337
1,748,473
2,082,780
2,652,582
231,028
183,317
77,807
961
1,008
1,303
395,119
509,285
847,379
1,064,727
1,331,661
1,649,449
56,638
57,509
76,644
70,947
74,611
88,198
885,966
1,114,520
1,600,476
341,610
385,189
534,555
672,091
517,125
469,382
207,697
176,738
203,788
65,172
104,713
148,329
55,249
101,779
147,078
36,526
59,826
99,507
80,000
80,000
80,000
0.00
0.00
0.00
0.00
0.00
0.00
(21,001)
47,207
188,449
5.27%
7.94%
11.68%
2.09%
2.87%
3.75%
0.46
0.75
1.24
0.61
45.88%
38.12%
178.43%
175.03%
149.06%
20.77%
19.37%
0.17
13.21%
0.09
2.93%
0.23
24.45%
31.95%
39.68%
36.16%
32.11%
8.67
9.41
10.65
-0.58
78.91%
189.38%
2015
(Thousand Rupees)
2013
2014
2015
1,675,409
1,542,324
1,724,480
2,568,305
2,643,377
2,681,972
169,578
154,581
(288,138)
(1,062,474)
(1,255,634)
(669,354)
5,425
(10,801)
(130,872)
8,156,962
11,335,319
14,759,946
6,130,005
8,830,253
12,646,105
1,356,656
1,641,581
1,395,187
670,301
863,485
718,654
9,837,796
12,866,842
16,353,554
3,240,264
4,905,641
10,101,405
2,127
2,108
1,099
4,577,808
5,420,530
4,130,996
1,754,558
2,280,257
1,881,234
263,039
258,306
238,820
99,232
93,645
92,308
7,156,884
8,058,291
9,325,382
1,823,187
2,087,827
2,271,183
2,092,829
2,913,540
2,893,042
1,126,685
1,449,574
1,407,500
(17,997)
148,116
(16,387)
84,410
53,881
(308,665)
80,367
17,628
(378,068)
256,831
264,338
268,197
N/A
N/A
N/A
N/A
N/A
N/A
1,870,644
1,664,495
2,912,229
0.05
1.14%
-21.92%
0.82%
0.14%
-2.31%
0.31
0.07
-1.41
0.62
69.43%
61.97%
-22.39%
840.23%
4.33%
5.44%
4.49%
4.06%
32.94%
38.13%
61.77%
46.53%
42.13%
25.26%
17.03%
11.99%
10.54%
6.52
5.83
6.43
2327.63%
9442.34%
-770.29%
2015
(Thousand Rupees)
2013
2014
2015
471,695
447,389
396,304
750,000
750,000
750,000
(278,305)
(302,611)
(353,696)
(90)
(90)
(3,475)
846,876
1,312,873
1,905,684
734,048
1,155,203
1,749,274
82,834
97,541
95,531
29,994
60,129
60,879
1,318,481
1,760,172
2,298,513
675,615
984,543
1,432,844
1,931
1,688
928
385,909
468,367
569,279
203,451
260,213
251,739
51,575
45,361
43,723
31,935
25,226
23,454
666,044
836,806
1,039,847
373,866
475,609
515,106
33,969
61,744
61,576
9,840
28,715
31,417
(69,019)
(39,266)
(37,844)
(47,782)
(24,306)
(51,085)
75,000
75,000
75,000
0.00
0.00
0.00
0.00
0.00
0.00
176,480
269,796
422,269
-10.13%
-5.43%
-12.89%
-3.62%
-1.38%
-2.22%
-0.64
-0.32
-0.68
2.63%
6.04%
0.06
0.00
0.00
0.00
8.54%
0.05
4.55%
51.24%
55.93%
62.34%
29.27%
26.61%
24.77%
35.78%
25.42%
17.24%
6.29
5.97
5.28
-369.34%
-11.10
-8.27
2015
(Thousand Rupees)
2013
2014
2015
445,100
440,052
596,895
710,629
710,629
710,629
(265,529)
(270,577)
(113,734)
5,743,820
8,152,697
11,502,026
5,395,957
7,675,050
10,896,831
230,218
365,311
461,414
117,645
112,336
143,781
6,188,920
8,592,749
12,098,921
1,827,110
3,226,513
7,956,094
3,765,468
4,583,821
3,215,225
471,516
647,815
804,071
124,826
134,600
123,531
39,816
39,878
40,642
4,461,066
5,076,717
6,721,214
585,446
706,205
917,351
959,439
1,477,670
1,883,376
300,915
412,416
580,444
60,139
56,146
133,853
50,340
29,498
84,045
71,063
71,063
71,063
0.00
0.00
0.00
0.00
0.00
0.00
1,643,708
1,645,666
2,631,792
11.31%
0.07
14.08%
0.81%
0.34%
0.69%
0.71
0.42
1.18
0.51
0.58
63.27%
0.00
0.00
0.00
0.07
5.65%
4.43%
29.52%
37.55%
65.76%
60.84%
53.35%
26.57%
7.19%
5.12%
4.93%
6.26
6.19
8.40
3265.21%
5578.91%
3131.41%
2015
(Thousand Rupees)
2013
2014
2015
174,373
20,950
26,424
400,000
450,000
450,000
169,578
154,581
(288,138)
(395,205)
(583,631)
(135,438)
500
500
500
580,874
799,875
446,624
456,573
605,353
363,227
124,301
194,522
83,397
755,747
821,325
473,548
236,326
228,128
124,990
68,078
68,642
53,968
424,623
502,155
275,933
26,720
22,400
18,657
1,745
1,589
623
780,273
868,016
529,044
276,720
230,363
202,998
413,207
589,462
382,836
256,739
372,172
248,849
33,669
169,693
4,203
34,987
(6,138)
(446,164)
29,015
(14,723)
(444,295)
40,000
45,000
45,000
0.00
0.00
0.00
0.00
0.00
0.00
(25,043)
(81,490)
(134,149)
16.64%
-70.28%
-1681.41%
3.84%
-1.79%
-93.82%
0.73
-0.33
-9.87
92.78%
161.56%
122.59%
116.04%
-1152.57%
-0.95%
0.63%
0.69%
0.31%
31.27%
27.78%
26.39%
9.01%
8.36%
0.11
23.07%
2.55%
5.58%
4.36
0.47
0.59
-86.31%
553.49%
30.19%
2015
(Thousand Rupees)
2013
2014
2015
427,212
470,811
512,248
407,676
432,748
471,343
19,536
38,063
40,905
(107,658)
628,283
644,609
500,539
345,838
299,262
175,331
282,445
345,347
325,208
1,055,495
1,115,420
905,129
219,194
179,177
259,723
319,366
264,175
224,555
470,056
629,806
378,176
46,879
42,262
42,675
12,391
11,554
14,295
1,028,986
1,002,402
701,709
426,432
506,242
373,518
540,697
633,247
417,784
457,403
542,285
412,734
(12,756)
6,192
6,573
40,546
32,169
7,786
33,267
18,527
2,841
40,768
43,275
47,134
0.00
0.00
0.00
0.00
0.00
0.00
81,044
(161,584)
(52,325)
7.79%
3.94%
0.55%
3.15%
1.66%
0.31%
0.82
0.43
0.06
107.26%
107.12%
1.11
-38.34%
33.42%
231.36%
2.91%
2.28%
3.83%
20.77%
16.06%
28.69%
30.26%
23.68%
24.81%
40.48%
42.21%
56.59%
10.48
10.88
10.87
243.62%
-872.15%
-1841.78%
2015
(Thousand Rupees)
2013
2014
2015
157,029
163,122
192,609
300,000
300,000
300,000
(142,971)
(136,878)
(107,391)
5,015
(11,211)
(20,239)
357,109
425,265
405,073
241,193
274,114
299,684
115,916
151,151
105,389
519,153
577,176
577,443
282,019
287,280
327,754
196
420
171
38,987
35,525
67,969
184,912
240,268
171,315
13,039
13,683
10,234
13,345
15,398
13,294
220,515
274,350
333,568
160,723
169,408
262,210
145,517
151,417
147,470
101,788
93,986
134,056
(38,910)
(27,769)
(27,163)
17,757
10,970
33,704
15,527
8,632
30,426
30,000
30,000
30,000
0.00
0.00
0.00
0.00
0.00
0.00
(5,545)
(7,893)
44,642
9.89%
5.29%
0.16
2.99%
0.02
5.27%
0.52
0.29
1.01
63.33%
55.48%
51.13%
-2.51
-3.22
-89.28%
0.08
9.09%
5.07%
54.32%
49.77%
56.76%
7.51%
6.15%
11.77%
30.25%
28.26%
33.36%
5.23
5.44
6.42
-35.71%
-91.44%
146.72%
2015

(Thousand Rupees)
2013
2014
2015
2,161,657
1,880,297
632,250
3,001,000
3,001,000
3,001,000
713,005
743,439
743,439
(1,552,348)
(1,864,142)
(3,112,189)
211,351
344,102
320,274
19,279,694
19,208,274
21,545,325
19,279,694
19,208,274
21,545,325
21,652,702
21,432,673
22,497,849
21,308,302
21,070,101
22,146,505
307,476
314,661
190,014
21,000,826
20,755,440
21,956,491
344,400
362,572
351,344
344,400
362,572
351,344
2,778,190
2,644,721
2,547,553
1,323,782
1,994,239
1,994,048
487,026
304,835
523,375
382,109
152,169
529,681
300,100
300,100
300,100
N/A
N/A
N/A
N/A
N/A
N/A
(729,709)
(1,001,618)
408,326
17.68%
8.09%
83.78%
0.16
6.84%
55.61%
1.76%
0.71%
2.35%
2.72
6.54
3.81
1.27
0.51
1.77
1.42%
1.47%
0.84%
1.11
1.10
1.03
0.89
0.90
0.96
0.00
0.00
0.00
9.98%
8.77%
2.81%
7.20
6.27
2.11
-1.91
-6.58
0.77
-0.04
-0.05
0.02
2015
(Thousand Rupees)
2013
2014
2015
2,161,657
1,880,297
632,250
3,001,000
3,001,000
3,001,000
713,005
743,439
743,439
(1,552,348)
(1,864,142)
(3,112,189)
211,351
344,102
320,274
19,279,694
19,208,274
21,545,325
19,279,694
19,208,274
21,545,325
21,652,702
21,432,673
22,497,849
21,308,302
21,070,101
22,146,505
307,476
314,661
190,014
21,000,826
20,755,440
21,956,491
344,400
362,572
351,344
344,400
362,572
351,344
2,778,190
2,644,721
2,547,553
1,323,782
1,994,239
1,994,048
487,026
304,835
523,375
382,109
152,169
529,681
300,100
300,100
300,100
0.00
0.00
0.00
0.00
0.00
0.00
(729,709)
(1,001,618)
408,326
17.68%
8.09%
83.78%
0.16
6.84%
55.61%
1.76%
0.71%
2.35%
2.72
6.54
3.81
1.27
0.51
1.77
1.42%
1.47%
0.84%
1.11
1.10
1.03
0.89
0.90
0.96
0.00
0.00
0.00
9.98%
8.77%
2.81%
7.20
6.27
2.11
-1.91
-6.58
0.77
-0.04
-0.05
0.02
2015

(Thousand Rupees)
2013
2014
2015
17,654
17,494
18,374
25,073
25,073
25,073
752
752
752
(8,171)
(8,331)
(7,451)
20,892
17,724
18,118
2,982
4,594
4,680
2,912
4,572
4,680
70
22
41,528
39,812
41,172
37,976
36,712
38,443
1,106
3,734
72
36,870
32,978
38,371
3,552
3,100
2,729
3,532
3,080
2,700
20
20
29
4,980
4,935
9,000
1,929
2,854
1,966
14
27
21
3,037
2,054
2,034
1,841
1,338
1,375
2,507
2,507
2,507
N/A
N/A
N/A
N/A
N/A
N/A
1,002
37,015
(3,194)
10.43%
7.65%
7.48%
4.77%
0.04
3.77%
4.43%
3.36%
3.34%
36.97%
27.11%
15.28%
38.73%
57.83%
21.84%
0.73
0.53
0.55
2.66%
9.38%
0.17%
13.04
8.03
8.21
0.07
0.12
0.11
42.51%
43.94%
44.63%
7.04
6.98
7.33
0.54
27.66
-2.32
0.34
8.10
-0.68
2015

(Thousand Rupees)
2013
2014
2015
17,654
17,494
18,374
25,073
25,073
25,073
752
752
752
(8,171)
(8,331)
(7,451)
20,892
17,724
18,118
2,982
4,594
4,680
2,912
4,572
4,680
70
22
41,528
39,812
41,172
37,976
36,712
38,443
1,106
3,734
72
36,870
32,978
38,371
3,552
3,100
2,729
3,532
3,080
2,700
20
20
29
4,980
4,935
9,000
1,929
2,854
1,966
14
27
21
3,037
2,054
2,034
1,841
1,338
1,375
2,507
2,507
2,507
0.20
0.10
0.10
0.00
0.00
1,002
37,015
(3,194)
10.43%
7.65%
7.48%
4.77%
0.04
3.77%
4.43%
3.36%
3.34%
36.97%
27.11%
15.28%
38.73%
57.83%
21.84%
0.73
0.53
0.55
2.66%
9.38%
0.17%
13.04
8.03
8.21
0.07
0.12
0.11
42.51%
43.94%
44.63%
7.04
6.98
7.33
0.54
27.66
-2.32
0.34
8.10
-0.68

Historic FSA 2007-15

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Historic FSA 2007-15

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FINANCIAL STATEMENT ANALYSIS OF

Financial Statement Analysis of Financial Sector

All Banks - Overall

A.Total equity (A1 to A3)

1.Share capital/head office capital account

3.Un appropriated profit

C.Total assets (C1 to C4 + C8 to C10)

1.Cash and balances with treasury banks

2.Balances with other banks

3.Lending to financial institutions

3.Net markup/interest income

8.Advances net of provision (C5 - C7)

D.Profit & loss account

4.Provisions and write-offs

9.Profit/(loss) before taxation

10.Profit/(loss) after taxation

5.Net markup/interest income after provisions

2.Commitments and contigencies

3.Return on equity (ROE) (D10/A)

4.Return on assets (ROA) (D10/C)

F.Efficiency ratios/profitability ratios

5.Non-markup/interest income to total assets (D6/C)

6.Net markup/interest income(after provisions) to total asse

7.Markup/interest expense to markup/interest income (D2/D

9.Non-markup/interest expense to total income D7/(D1+D6)

10.Admin. expense to non-markup/interest income(D8/D6)(t

1.Cash & cash equivalent to total assets (C1+C2)/C

2.Investment to total assets (C4/C)

3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

5.Total liabilities to total assets (B/C)

6.Gross advances to deposits (C5/B3)

8.Admin. expesne to profit before tax. (D8/D9)(times)

7.Gross advances to borrowing & deposits C5/(B2+B3)

3.NPLs to total equity (C6/A)

4.NPLs write off to NPLs provision (D4/C7)

5.Provision against NPL to NPLs (C7/C6)

2.Commitments & contingencies to total equity (E2/A) (times

3.Total deposit to total equity (B3/A) (times)

I.Capital /leverage ratios

J.Cash flow ratio

Financial Statement Analysis of Financial Sector

Local Banks - Overall

A.Total equity (A1 to A3)

3.Un appropriated profit

C.Total assets (C1 to C4 + C8 to C10)

1.Cash and balances with treasury banks

2.Balances with other banks

3.Lending to financial institutions

3.Net markup/interest income

8.Advances net of provision (C5-C7)

D.Profit & loss account

4.Provisions and write-offs

9.Profit/(loss) before taxation

10.Profit/(loss) after taxation

5.Net markup/interest income after provisions

3.Stock dividend/bonus shares

4.Cash generated from operating activities

3.Return on equity (ROE) (D10/A)

4.Return on assets (ROA) (D10/C)

5.Non-markup/interest income to total assets (D6/C)

6.Net markup/interest income(after prov.) to total assets(D5

7.Markup/interest expense to markup/interest income (D2/D