Name: Hafiz M.

Omer
BE-13-56

UBL
Balance Sheet
Assesst
Cash and balances with treasury and other banks
Lending to financial institutions
Investments- Gross
Advances - Gross
Operating Fixed assets
Other assets
Total Assets - Gross
Provisions against non-performing advances
Provisions against diminution in value of investment
Total Assets - Net of provision

2015
2014
128,870
87,573
29,486
21,872
716,260 499,060
496,212 479,998
32,326
30,303
41,211
40,067
1,444,365 1,158,874
-41,581
-45,734
-2,133
-1,726
1,400,651 1,111,414

Liabilities & Equities

Deposits & other accounts
Borrowing from financial institutions
Sub-ordinated loans
Bills payable
Other liabilities
Total Liabilities
Net Assetts/ Liabilities
Share capital
Reserves
Unappropriated profit
Equity - Tier I
Surplus on revaluation of assets
Equity
Total Liabilities & Equity

1,051,235 895,083
163,132
53,065
0
0
13,392
9,554
30,757
28,196
1,258,516 985,898
142,135 125,516
12,242
12,242
38,402
34,130
55,223
48,217
105,867
94,589
36,268
30,927
142,135 125,516
1,400,651 1,111,414

Comments on Analysis:
As of the year 2015, significant variation as compared to the year 2014 is because of the following:

1) Total assets increased by Rs 289237 or increased by 26%.

2) Total Liabilities increased by Rs 272618.
3) Shareholders equity rose by Rs 16619.

2013
114,388
28,835
425,253
436,749
24,608
27,317
1,057,150
-45,936
-1,476
1,009,739

2012
109,396
21,953
351,002
409,090
24,431
26,800
942,673
-44,727
-1,412
896,535

827,848
40,574
665
16,591
23,147
908,825
100,914
12,242
33,681
42,635
88,558
12,356
100,914
1,009,739

698,430 612,980
68,720 49,953
9,319 11,317
7,601
5,879
20,226 18,650
804,296 698,779
92,238 80,428
12,242 12,242
29,044 24,847
37,416 34,809
78,702 71,898
13,537
8,530
92,238 80,428
896,535 779,207

s because of the following:

2011
100,602
11,890
297,137
366,307
22,982
23,976
822,893
-40,959
-2,726
779,207

2010
86,104
11,935
227,237
368,692
22,424
21,044
737,436
-34,960
-2,658
699,818

2009
66,878
23,162
138,398
382,478
21,926
17,851
650,693
-28,387
-2,253
620,053

550,646 492,036
45,105 35,145
11,986 11,990
5,046
5,147
18,621 14,799
631,403 559,117
68,415 60,937
12,242 11,129
21,689 18,960
26,250 22,188
60,181 52,276
8,234
8,660
68,415 60,937
699,818 620,053

H0rizontal analysis

2015
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%

2014
67.95453
74.17758
69.67582
96.73245
93.74188
97.22404
80.23415
109.9877
80.91889
79.34982

2013
88.762318616
97.792172556
59.371317678
88.016613867
76.124481841
66.28570042
73.191333216
110.47353359
69.198312236
72.090692114

2012
84.888647474
74.452282439
49.004830648
82.442585024
75.576934975
65.031180995
65.265566529
107.5659556
66.197843413
64.008450356

2011
78.06472
40.32422
41.48452
73.82067
71.09448
58.17864
56.97265
98.50412
127.8012
55.63177

2010
66.81462
40.47684
31.72549
74.30131
69.36831
51.06404
51.05607
84.07686
124.6132
49.96377

2009
51.89571
78.55253
19.32231
77.07955
67.82775
43.3161
45.05045
68.26916
105.6259
44.26891

100%
100%
100%
100%
100%
100%

85.14585
32.52887
0
71.3411
91.67344
78.33814
88.30759
100
88.87558
87.31326
89.34701
85.27352
88.30759
79.34982

78.750041618
24.871882892
0
123.88739546
75.257664922
72.214020322
70.998698421
100
87.70636946
77.205150028
83.650240396
34.068600419
70.998698421
72.090692114

66.438997941
42.125395385
0
56.75776583
65.760639854
63.908285632
64.894642417
100
75.631477527
67.754377705
74.340446031
37.324914525
64.894642417
64.008450356

58.31046
30.62121
0
43.89934
60.6366
55.52405
56.58564
100
64.70236
63.03352
67.91351
23.51936
56.58564
55.63177

52.38087
27.64939
0
37.67921
60.54232
50.17044
48.13382
100
56.47883
47.53454
56.84585
22.70321
48.13382
49.96377

46.80552
21.5439
0
38.43339
48.11588
44.42669
42.87262
90.90835
49.37243
40.17891
49.37894
23.8778
42.87262
44.26891

100%
100%
100%
100%
100%
100%
100%

vertical analysis

2015
100%
22.88042
555.8004
385.0485
25.08419
31.97874
1120.792
-32.26585
-1.655156
1086.871

2014
100%
24.97573
569.8788
548.1119
34.60313
45.75269
1323.323
-52.22386
-1.970927
1269.129

2013
100%
25.20806
371.7636
381.8137
21.51275
23.881
924.1791
-40.15806
-1.290345
882.7316

2012
100%
20.06746
320.8545
373.9533
22.33263
24.49815
861.707
-40.88541
-1.290724
819.5318

2011
100%
11.81885
295.3589
364.115
22.84448
23.83253
817.9688
-40.7139
-2.709688
774.5442

2010
100%
13.86114
263.9099
428.1938
26.04292
24.44021
856.448
-40.60206
-3.086965
812.759

2009
100%
34.63321
206.941
571.9041
32.78507
26.69189
972.9552
-42.44595
-3.368821
927.1405

815.7329
126.5865
0
10.39187
23.86669
976.5779
110.2933
9.499496
29.79902
42.85171
82.15023
28.14309
110.2933
1086.871

1022.099
60.59516
0
10.90976
32.19714
1125.801
143.3273
13.97919
38.9732
55.05921
108.0116
35.31568
143.3273
1269.129

723.7193
35.4705
0.581355
14.50414
20.23551
794.5108
88.22079
10.70217
29.44452
37.27227
77.41896
10.80183
88.22079
882.7316

638.442
62.81765
8.518593
6.948152
18.48879
735.2152
84.3157
11.19054
26.54942
34.20235
71.9423
12.37431
84.3157
819.5318

609.3119
49.65408
11.24928
5.84382
18.5384
694.5975
79.94672
12.16874
24.69832
34.6007
71.46776
8.478957
79.94672
774.5442

639.5127
52.38433
13.92038
5.860355
21.62617
733.3028
79.45624
14.21769
25.18931
30.48639
69.89338
9.562854
79.45624
812.759

735.7218
52.55091
17.92817
7.696103
22.12835
836.0253
91.11666
16.64075
28.35013
33.17683
78.16621
12.94895
91.11666
927.1405