Professional Documents
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FSA of Financial Firms 2007 To 2018
FSA of Financial Firms 2007 To 2018
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Financial Statement Analysis of Financial Sector
FIRST WOMEN BANK LTD.
Items 2014 2015
A.Total equity (A1 to A3) 2,236,767 2,699,259
1.Share capital 2,494,113 2,894,113
2.Reserves 294,768 294,768
3.Un appropriated profit (552,114) (489,622)
4.Others (24,816) 133,905
B.Total liabilities(B1 to B4) 16,575,147 18,513,458
1.Bills payable 111,951 103,166
2.Borrowings from financial institutions 2,502,955 2,832,357
3.Deposits and other accounts 13,448,864 15,163,440
4.Other/misc. liabilities 511,377 414,495
C.Total assets (C1 to C4 + C8 to C10) 18,787,098 21,346,622
1.Cash and balances with treasury banks 1,195,415 1,066,852
2.Balances with other banks 508,504 170,453
3.Lending to financial institutions 0 0
4.Investments 7,300,567 11,067,137
5.Gross advances 9,401,379 9,253,381
6.Advances-non-performing/classified 1,410,920 1,894,617
7.Provision against advances 1,056,141 1,283,106
8.Advances net of provision (C5-C7) 8,345,238 7,970,275
9.Fixed assets 383,314 337,357
10.Other/misc. assets 1,054,060 734,548
D.Profit & loss account
1.Markup/interest earned 1,798,495 1,516,365
2.Markup/interest expensed 1,117,808 818,538
3.Net markup/interest income 680,687 697,827
4.Provisions and write-offs 643,663 225,239
5.Net markup/interest income after provisions 37,024 472,588
6.Non-markup/interest income 82,784 409,063
7.Non-markup/interest expenses 785,863 847,379
8.Administrative expenses 785,762 839,859
9.Profit/(loss) before taxation (666,055) 34,272
10.Profit/(loss) after taxation (499,891) 53,427
E.Other items
1.No. of ordinary shares (000) 249,411 289,411
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (1,221,207) 2,644,114
5.Commitments and contigencies 984,973 1,893,779
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 37.85% 46.02%
2.Net markup/interest margin (D1-D2)/C 3.62% 3.27%
3.Return on equity (ROE) (D10/A) -22.35% 1.98%
4.Return on assets (ROA) (D10/C) -2.66% 0.25%
5.Non-markup/interest income to total assets 0.44% 1.92%
6.Net markup/interest income(after prov.) to to 0.00 2.21%
7.Markup/interest expense to markup/interest 62.15% 53.98%
8.Admin. expense to profit before tax. (D8/D9) ( -1.18 24.51
9.Non-markup/interest expense to total incom 41.77% 44.01%
10.Admin. expense to non-markup/interest inc 9.49 2.05
11.Earning per share (D10/E1) -2.00 0.18
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 9.07% 0.06
2.Investment to total assets (C4/C) 38.86% 51.84%
3.Advances net of provisions to total assets (C8 44.42% 37.34%
4.Deposits to total assets (B3/C) 71.59% 71.03%
5.Total liabilities to total assets (B/C) 88.23% 86.73%
6.Gross advances to deposits (C5/B3) 0.70 61.02%
7.Gross advances to borrowing & deposit C5/( 58.94% 51.42%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 15.01% 20.47%
2.Provisions against NPLs to gross advances ( 11.23% 13.87%
3.NPLs to shareholders equity (C6/A) 63.08% 70.19%
4.NPLs write off to NPLs provisions (D4/C7) 60.94% 17.55%
5.Provision against NPL to NPLs (C7/C6) 74.85% 67.72%
I.Capital /leverage ratios
1.Capital ratio (A/C) 11.91% 12.64%
2.Commitments & contingencies to total equity ( 0.44 0.70
3.Break up value per share (A/E1) 8.97 9.33
4.Total deposit to total equity (B3/A) (times) 6.01 5.62
J.Cash flow ratio
1.Cash generated from opration activities to prof 2.44 49.49
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Financial Statement Analysis of Financial Sector
THE BANK OF PUNJAB
Items 2014 2015
A.Total equity (A1 to A3) 8,256,063 12,396,699
1.Share capital 15,551,132 15,551,132
2.Reserves 1,818,085 2,065,843
3.Un appropriated profit (9,113,154) (5,220,276)
4.Others 11,070,644 10,281,641
B.Total liabilities(B1 to B4) 401,043,481 449,605,314
1.Bills payable 1,727,731 1,887,432
2.Borrowings from financial institutions 44,742,624 55,236,429
3.Deposits and other accounts 342,290,763 374,961,096
4.Other/misc. liabilities 12,282,363 17,520,357
C.Total assets (C1 to C4 + C8 to C10) 420,370,188 472,283,654
1.Cash and balances with treasury banks 23,622,411 26,190,481
2.Balances with other banks 2,239,170 4,512,033
3.Lending to financial institutions 32,748,623 6,113,262
4.Investments 154,874,757 176,043,046
5.Gross advances 197,122,363 250,341,712
6.Advances-non-performing/classified 55,650,453 57,069,295
7.Provision against advances 26,809,770 30,943,081
8.Advances net of provision (C5-C7) 170,312,593 219,398,631
9.Fixed assets 5,482,125 6,433,379
10.Other/misc. assets 31,090,509 33,592,822
D.Profit & loss account
1.Markup/interest earned 29,521,719 31,266,427
2.Markup/interest expensed 20,525,783 20,198,798
3.Net markup/interest income 8,995,936 11,067,629
4.Provisions and write-offs 1,229,486 3,496,266
5.Net markup/interest income after provisions 7,766,450 7,571,363
6.Non-markup/interest income 2,790,430 7,624,341
7.Non-markup/interest expenses 6,250,217 7,666,205
8.Administrative expenses 6,215,031 7,389,591
9.Profit/(loss) before taxation 4,306,663 7,529,499
10.Profit/(loss) after taxation 2,787,449 4,748,321
E.Other items
1.No. of ordinary shares (000) 1,555,113 1,555,113
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 32,357,443 21,563,231
5.Commitments and contigencies 82,249,972 90,330,466
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 30.47% 0.35
2.Net markup/interest margin (D1-D2)/C 2.14% 2.34%
3.Return on equity (ROE) (D10/A) 33.76% 0.38
4.Return on assets (ROA) (D10/C) 0.66% 1.01%
5.Non-markup/interest income to total assets 0.66% 1.61%
6.Net markup/interest income(after prov.) to to 1.85% 0.02
7.Markup/interest expense to markup/interest 69.53% 0.65
8.Admin. expense to profit before tax. (D8/D9) ( 1.44 0.98
9.Non-markup/interest expense to total incom 19.34% 19.71%
10.Admin. expense to non-markup/interest inc 2.23 0.97
11.Earning per share (D10/E1) 1.79 3.05
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 6.15% 0.07
2.Investment to total assets (C4/C) 36.84% 37.27%
3.Advances net of provisions to total assets (C8 40.51% 46.45%
4.Deposits to total assets (B3/C) 81.43% 79.39%
5.Total liabilities to total assets (B/C) 0.95 0.95
6.Gross advances to deposits (C5/B3) 57.59% 66.76%
7.Gross advances to borrowing & deposit C5/( 50.93% 58.19%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 28.23% 0.23
2.Provisions against NPLs to gross advances ( 0.14 12.36%
3.NPLs to shareholders equity (C6/A) 674.06% 460.36%
4.NPLs write off to NPLs provisions (D4/C7) 4.59% 0.11
5.Provision against NPL to NPLs (C7/C6) 48.18% 54.22%
I.Capital /leverage ratios
1.Capital ratio (A/C) 1.96% 2.62%
2.Commitments & contingencies to total equity ( 9.96 7.29
3.Break up value per share (A/E1) 5.31 7.97
4.Total deposit to total equity (B3/A) (times) 41.46 30.25
J.Cash flow ratio
1.Cash generated from opration activities to prof 11.61 4.54
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Financial Statement Analysis of Financial Sector
BANKISLAMI PAKISTAN LTD.
Items 2014 2015
A.Total equity (A1 to A3) 6,219,801 10,351,802
1.Share capital 5,758,721 10,079,121
2.Reserves 194,134 272,681
3.Un appropriated profit 266,946 0
4.Others 647,419 834,468
B.Total liabilities(B1 to B4) 95,116,929 163,044,475
1.Bills payable 918,435 1,523,933
2.Borrowings from financial institutions 561,000 3,197,770
3.Deposits and other accounts 90,330,997 153,058,102
4.Other/misc. liabilities 3,306,497 5,264,670
C.Total assets (C1 to C4 + C8 to C10) 101,984,149 174,230,745
1.Cash and balances with treasury banks 6,361,444 9,035,886
2.Balances with other banks 733,523 1,780,710
3.Lending to financial institutions 18,143,574 39,824,221
4.Investments 30,654,552 35,885,958
5.Gross advances 41,698,116 82,361,147
6.Advances-non-performing/classified 1,061,929 15,230,980
7.Provision against advances 601,058 13,652,099
8.Advances net of provision (C5-C7) 41,097,058 68,709,048
9.Fixed assets 3,340,971 2,525,949
10.Other/misc. assets 1,653,027 16,468,973
D.Profit & loss account
1.Markup/interest earned 7,812,302 8,834,160
2.Markup/interest expensed 4,459,070 5,118,822
3.Net markup/interest income 3,353,232 3,715,338
4.Provisions and write-offs 17,407 (630,724)
5.Net markup/interest income after provisions 3,335,825 4,346,062
6.Non-markup/interest income 631,936 570,028
7.Non-markup/interest expenses 3,498,039 5,188,477
8.Administrative expenses 3,462,351 5,037,198
9.Profit/(loss) before taxation 469,722 (272,387)
10.Profit/(loss) after taxation 313,650 (196,004)
E.Other items
1.No. of ordinary shares (000) 575,872 1,007,912
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 809,455 (28,172,106)
5.Commitments and contigencies 9,347,239 24,213,464
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 42.92% 42.06%
2.Net markup/interest margin (D1-D2)/C 3.29% 2.13%
3.Return on equity (ROE) (D10/A) 5.04% -1.89%
4.Return on assets (ROA) (D10/C) 0.31% -0.11%
5.Non-markup/interest income to total assets 0.62% 0.33%
6.Net markup/interest income(after prov.) to to 3.27% 2.49%
7.Markup/interest expense to markup/interest 57.08% 57.94%
8.Admin. expense to profit before tax. (D8/D9) ( 7.37 -18.49
9.Non-markup/interest expense to total incom 41.43% 55.17%
10.Admin. expense to non-markup/interest inc 5.48 8.84
11.Earning per share (D10/E1) 0.54 -0.19
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 6.96% 6.21%
2.Investment to total assets (C4/C) 30.06% 0.21
3.Advances net of provisions to total assets (C8 0.40 39.44%
4.Deposits to total assets (B3/C) 88.57% 87.85%
5.Total liabilities to total assets (B/C) 93.27% 93.58%
6.Gross advances to deposits (C5/B3) 46.16% 53.81%
7.Gross advances to borrowing & deposit C5/( 45.88% 52.71%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 2.55% 18.49%
2.Provisions against NPLs to gross advances ( 1.44% 16.58%
3.NPLs to shareholders equity (C6/A) 17.07% 147.13%
4.NPLs write off to NPLs provisions (D4/C7) 0.03 -4.62%
5.Provision against NPL to NPLs (C7/C6) 0.57 89.63%
I.Capital /leverage ratios
1.Capital ratio (A/C) 0.06 5.94%
2.Commitments & contingencies to total equity ( 1.50 2.34
3.Break up value per share (A/E1) 10.80 10.27
4.Total deposit to total equity (B3/A) (times) 14.52 14.79
J.Cash flow ratio
1.Cash generated from opration activities to prof 2.58 143.73
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Financial Statement Analysis of Financial Sector
SONERI BANK LTD.
Items 2014 2015
A.Total equity (A1 to A3) 15,108,732 16,337,318
1.Share capital 11,024,636 11,024,636
2.Reserves 933,911 1,049,465
3.Un appropriated profit 3,150,185 4,263,217
4.Others 1,930,495 1,854,624
B.Total liabilities(B1 to B4) 196,136,080 235,149,887
1.Bills payable 2,779,715 2,751,084
2.Borrowings from financial institutions 25,824,908 39,875,623
3.Deposits and other accounts 163,250,371 185,222,383
4.Other/misc. liabilities 4,281,086 7,300,797
C.Total assets (C1 to C4 + C8 to C10) 213,175,307 253,341,829
1.Cash and balances with treasury banks 15,776,136 16,718,428
2.Balances with other banks 1,024,566 1,634,544
3.Lending to financial institutions 154,342 3,306,244
4.Investments 75,715,677 108,633,807
5.Gross advances 115,613,735 120,616,960
6.Advances-non-performing/classified 10,224,405 11,584,107
7.Provision against advances 7,645,530 8,615,208
8.Advances net of provision (C5-C7) 107,968,205 112,001,752
9.Fixed assets 5,013,968 4,956,732
10.Other/misc. assets 7,522,413 6,090,322
D.Profit & loss account
1.Markup/interest earned 16,906,398 18,319,732
2.Markup/interest expensed 10,626,395 10,722,265
3.Net markup/interest income 6,280,003 7,597,467
4.Provisions and write-offs 549,113 1,029,241
5.Net markup/interest income after provisions 5,730,890 6,568,226
6.Non-markup/interest income 2,508,690 3,150,383
7.Non-markup/interest expenses 5,797,684 6,123,002
8.Administrative expenses 5,605,644 5,972,315
9.Profit/(loss) before taxation 2,441,896 3,595,607
10.Profit/(loss) after taxation 1,582,055 2,212,768
E.Other items
1.No. of ordinary shares (000) 1,102,464 1,102,464
2.Cash dividend 0.10 0.13
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 30,229,741 33,745,470
5.Commitments and contigencies 49,894,004 117,300,198
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 37.15% 41.47%
2.Net markup/interest margin (D1-D2)/C 2.95% 0.03
3.Return on equity (ROE) (D10/A) 10.47% 13.54%
4.Return on assets (ROA) (D10/C) 0.74% 0.87%
5.Non-markup/interest income to total assets 1.18% 1.24%
6.Net markup/interest income(after prov.) to to 2.69% 2.59%
7.Markup/interest expense to markup/interest 62.85% 58.53%
8.Admin. expense to profit before tax. (D8/D9) ( 2.30 1.66
9.Non-markup/interest expense to total incom 29.86% 28.52%
10.Admin. expense to non-markup/interest inc 2.23 1.90
11.Earning per share (D10/E1) 1.44 2.01
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 7.88% 7.24%
2.Investment to total assets (C4/C) 35.52% 42.88%
3.Advances net of provisions to total assets (C8 50.65% 44.21%
4.Deposits to total assets (B3/C) 76.58% 73.11%
5.Total liabilities to total assets (B/C) 92.01% 92.82%
6.Gross advances to deposits (C5/B3) 70.82% 65.12%
7.Gross advances to borrowing & deposit C5/( 61.15% 53.58%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 8.84% 0.10
2.Provisions against NPLs to gross advances ( 6.61% 7.14%
3.NPLs to shareholders equity (C6/A) 67.67% 70.91%
4.NPLs write off to NPLs provisions (D4/C7) 7.18% 11.95%
5.Provision against NPL to NPLs (C7/C6) 74.78% 74.37%
I.Capital /leverage ratios
1.Capital ratio (A/C) 7.09% 6.45%
2.Commitments & contingencies to total equity ( 3.30 7.18
3.Break up value per share (A/E1) 13.70 14.82
4.Total deposit to total equity (B3/A) (times) 10.81 11.34
J.Cash flow ratio
1.Cash generated from opration activities to prof 19.11 15.25
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Financial Statement Analysis of Financial Sector
THE PUNJAB PROVINCIAL COOPERATIVE BANK LTD.
Items 2014 2015
A.Total equity (A1 to A3) 6,863,187 6,863,289
1.Share capital 1,938,210 1,938,243
2.Reserves 6,581,685 6,603,774
3.Un appropriated profit (1,656,708) (1,678,728)
4.Others 4,598,141 4,726,591
B.Total liabilities(B1 to B4) 6,524,069 7,724,985
1.Bills payable 27,065 27,324
2.Borrowings from financial institutions 0 0
3.Deposits and other accounts 3,707,719 4,567,142
4.Other/misc. liabilities 2,789,285 3,130,519
C.Total assets (C1 to C4 + C8 to C10) 17,985,397 19,314,865
1.Cash and balances with treasury banks 779,550 866,698
2.Balances with other banks 1,240,883 1,775,794
3.Lending to financial institutions 500,000 0
4.Investments 2,150,672 1,934,771
5.Gross advances 9,581,782 10,800,592
6.Advances-non-performing/classified 2,265,220 2,147,218
7.Provision against advances 1,606,077 1,606,077
8.Advances net of provision (C5-C7) 7,975,705 9,194,515
9.Fixed assets 4,594,887 4,619,964
10.Other/misc. assets 743,700 923,123
D.Profit & loss account
1.Markup/interest earned 1,619,737 1,739,766
2.Markup/interest expensed 149,263 197,365
3.Net markup/interest income 1,470,474 1,542,401
4.Provisions and write-offs 0 0
5.Net markup/interest income after provisions 1,470,474 1,542,401
6.Non-markup/interest income 109,944 99,907
7.Non-markup/interest expenses 1,469,612 1,518,121
8.Administrative expenses 1,469,612 1,432,249
9.Profit/(loss) before taxation 110,806 124,187
10.Profit/(loss) after taxation 83,859 89,725
E.Other items
1.No. of ordinary shares (000) 19,382 4,364
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 1,516,968 301,375
5.Commitments and contigencies 23,086 152,152
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 90.78% 88.66%
2.Net markup/interest margin (D1-D2)/C 8.18% 7.99%
3.Return on equity (ROE) (D10/A) 1.22% 1.31%
4.Return on assets (ROA) (D10/C) 0.47% 0.46%
5.Non-markup/interest income to total assets 0.61% 0.52%
6.Net markup/interest income(after prov.) to to 8.18% 7.99%
7.Markup/interest expense to markup/interest 9.22% 11.34%
8.Admin. expense to profit before tax. (D8/D9) ( 13.26 11.53
9.Non-markup/interest expense to total incom 84.96% 82.52%
10.Admin. expense to non-markup/interest inc 13.37 14.34
11.Earning per share (D10/E1) 4.33 20.56
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 11.23% 13.68%
2.Investment to total assets (C4/C) 11.96% 10.02%
3.Advances net of provisions to total assets (C8 44.35% 0.48
4.Deposits to total assets (B3/C) 20.62% 23.65%
5.Total liabilities to total assets (B/C) 36.27% 0.40
6.Gross advances to deposits (C5/B3) 258.43% 236.48%
7.Gross advances to borrowing & deposit C5/( 258.43% 236.48%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 23.64% 19.88%
2.Provisions against NPLs to gross advances ( 16.76% 14.87%
3.NPLs to shareholders equity (C6/A) 33.01% 31.29%
4.NPLs write off to NPLs provisions (D4/C7) 0.00 0.00
5.Provision against NPL to NPLs (C7/C6) 0.71 0.75
I.Capital /leverage ratios
1.Capital ratio (A/C) 38.16% 35.53%
2.Commitments & contingencies to total equity ( 0.00 0.02
3.Break up value per share (A/E1) 354.10 1,572.71
4.Total deposit to total equity (B3/A) (times) 0.54 0.67
J.Cash flow ratio
1.Cash generated from opration activities to prof 18.09 3.36
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Financial Statement Analysis of Financial Sector
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LTD.
Items 2014 2015
A.Total equity (A1 to A3) 4,472,165 6,401,292
1.Head office capital account 3,627,239 3,780,941
2.Reserves 0 0
3.Unremitted profit 844,926 2,620,351
4.Others 35,401 (2,318)
B.Total liabilities (B1 to B4) 71,442,821 133,855,321
1.Bills payable 4,667 266,947
2.Borrowings from financial institutions 56,592,615 100,081,926
3.Deposits and other accounts 9,500,726 26,948,982
4.Other/misc. liabilities 5,344,813 6,557,466
C.Total assets (C1 to C4 + C8 to C10) 75,950,387 140,254,295
1.Cash and balances with treasury banks 4,329,697 5,413,124
2.Balances with other banks 295,142 246,427
3.Lending to financial institutions 1,129,730 669,547
4.Investments 63,074,604 124,771,022
5.Gross advances 6,087,050 6,999,406
6.Advances-non-performing/classified 0 0
7.Provision against advances 0 0
8.Advances net of provision (C5-C7) 6,087,050 6,999,406
9.Fixed assets 183,341 662,763
10.Other/misc. assets 850,823 1,492,006
D.Profit & loss account
1.Markup/interest earned 4,607,826 7,244,606
2.Markup/interest expenses 1,078,251 4,734,531
3.Net markup/interest income 3,529,575 2,510,075
4.Provisions and write-offs 0 0
5.Net markup/interest income after provisions 3,529,575 2,510,075
6.Non-markup/interest income (1,209,327) 1,734,741
7.Non-markup/interest expenses 915,410 1,423,955
8.Administrative expenses 915,410 1,423,955
9.Profit/(loss) before taxation 1,404,838 2,820,861
10.Profit/(loss) after taxation 915,166 1,775,329
E.Other items
1.Cash generated from operating activities 16,214,140 64,192,017
2.Commitments and contingencies 369,386,706 548,112,702
F.Efficiency ratios/Profitability ratios
1.Spread (D3/D1) 0.77 34.65%
2.Net markup/interest margin (D1-D2)/C 4.65% 1.79%
3.Return on equity (ROE) (D10/A) 20.46% 27.73%
4.Return on assets (ROA) (D10/C) 0.01 1.27%
5.Non-markup/interest income to total assets ( -1.59% 1.24%
6.Net markup/Interest income (after prov.) to to 4.65% 1.79%
7.Markup/interest expense to markup/interest 0.23 65.35%
8.Admin expense to profit before tax.(D8/D9) (t 0.65 0.50
9.Non-markup/interest expense to total incom 26.94% 15.86%
10.Admin. exp. to non-markup/interest income ( -0.76 0.82
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 6.09% 4.04%
2.Investment to total assets (C4/C) 83.05% 88.96%
3.Advances net of provision to total assets (C8/ 8.01% 4.99%
4.Deposits to total assets ( B3/C) 12.51% 19.21%
5.Total liabilities to total assets (B/C) 94.07% 95.44%
6.Gross advances to deposit (C5/B3) 64.07% 25.97%
7.Gross advances to borrowing & deposit C5/( 9.21% 5.51%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 0.00 0.00
2.Provision against NPLs to gross advances (C 0.00 0.00
3.NPLs to total equity (C6/A) 0.00 0.00
4.NPLs write off to NPLs provision (D4/C7) - -
5.Provision against NPL to NPLs (C7/C6) - -
I.Capital/leverage ratios
1.Capital ratio (A/C) 5.89% 4.56%
2.Commitments & contingencies to total equity ( 82.60 85.63
3.Total deposit to total equity (B3/A) (times) 2.12 4.21
J.Cash flow ratio
1.Cash generated from operating activities to pro 17.72 36.16
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69
Financial Statement Analysis of Financial Sector
PAK KUWAIT INVESTMENT CO. (PVT) LTD.
Items 2014 2015
A.Total equity (A1 to A3) 18,512,041 19,726,808
1.Share capital 6,000,000 6,000,000
2.Reserves 5,200,005 5,748,570
3.Un appropriated profit 7,312,036 7,978,238
4.Others 1,103,639 889,086
B.Total liabilities (B1 to B4) 5,018,493 7,751,093
1.Bills payable 0 0
2.Borrowings from financial institutions 3,557,518 6,246,955
3.Deposits and other accounts 397,790 179,750
4.Other/misc. liabilities 1,063,185 1,324,388
C.Total assets (C1 to C4 + C8 to C10) 24,634,173 28,366,987
1.Cash and balances with treasury banks 53,667 63,957
2.Balances with other banks 20,335 20,718
3.Lending to financial institutions 28,000 0
4.Investments 20,901,562 22,142,622
5.Gross advances 4,362,535 6,618,230
6.Advances-non-performing/classified 1,695,364 1,621,319
7.Provisions against advances 1,564,607 1,504,586
8.Advances net of provisions (C5-C7) 2,797,928 5,113,644
9.Fixed assets 188,609 169,034
10.Other/misc. assets 644,072 857,012
D.Profit & loss account
1.Markup/interest earned 1,408,799 1,229,530
2.markup/interest expensed 619,925 365,227
3.Net markup/interest income 788,874 864,303
4.Provisions and write-offs (163,013) 434,720
5.Net markup/interest income after provisions 951,887 429,583
6.Non-markup/interest income 2,802,327 2,619,921
7.Non-markup/interest expenses 558,850 545,252
8.Administrative expenses 558,394 545,222
9.Profit/(loss) before taxation 3,195,364 2,504,252
10.Profit/(loss) after taxation 2,677,680 1,828,550
E.Other items
1.No. of ordinary shares (000) 240 240
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 5,780,181 356,224
5.Commitments and contigencies 859,482 2,452,764
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 0.56 0.70
2.Net markup/interest margin (D1-D2)/C 0.03 3.05%
3.Return on equity (ROE) (D10/A) 14.46% 9.27%
4.Return on assets (ROA) (D10/C) 10.87% 6.45%
5.Non-markup/interest income to total assets ( 11.38% 9.24%
6.Net markup/interest income(after provisions) 3.86% 1.51%
7.Markup/interest expenses to markup/interest 0.44 0.30
8.Admin. expenses to profit before tax. (D8/D9) 0.17 0.22
9.Non-markup/interest expenses to total inco 0.13 0.14
10.Admin. expenses to non-markup/interest in 0.20 0.21
11.Earning per share (D10/E1) 11157.00 7,618.96
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 0.00 0.00
2.Investment to total assets (C4/C) 84.85% 78.06%
3.Advances net of provisions to total assets (C8 11.36% 18.03%
4.Deposits to total assets (B3/C) 1.61% 0.63%
5.Total liabilities to total assets (B/C) 20.37% 27.32%
6.Gross advances to deposits (C5/B3) 1096.69% 3681.91%
7.Gross advances to borrowing & deposits C5/ 1.10 102.98%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 38.86% 0.25
2.Provision against NPLs to gross advances (C 35.86% 22.73%
3.NPLs to total equity (C6/A) 9.16% 8.22%
4.NPLs write off to NPLs provisions (D4/C7) -10.42% 28.89%
5.Provision against NPL to NPLs (C7/C6) 92.29% 0.93
I.Capital /leverage ratios
1.Capital ratio (A/C) 75.15% 69.54%
2.Commitments & contingencies to total equity ( 0.05 0.12
3.Break up value per share (A/E1) 77133.50 82,195.03
4.Total deposits to total equity (B3/A) (times) 0.02 0.01
J.Cash flow ratio
1.Cash generated from operating activities to pro 2.16 0.19
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Financial Statement Analysis of Financial Sector
THE FIRST MICROFINANCE BANK LIMITED
Items 2014 2015
A.Total equity (A1 to A3) 1,188,546 1,478,899
1.Share capital 1,351,501 1,351,501
2.Reserves 63,974 126,317
3.Un appropriated profit (226,929) 1,081
4.Others 48,593 65,507
B.Total liabilities(B1 to B4) 9,437,591 10,642,931
1.Bills payable 28,328 0
2.Borrowings from financial institutions 289,880 645,576
3.Deposits and other accounts 8,749,901 9,661,088
4.Other/misc. liabilities 369,482 336,267
C.Total assets (C1 to C4 + C8 to C10) 10,674,730 12,187,337
1.Cash and balances with treasury banks 484,308 622,106
2.Balances with other banks 747,842 1,045,644
3.Lending to financial institutions 0 0
4.Investments 4,273,049 4,029,765
5.Gross advances 4,479,999 5,639,743
6.Advances-non-performing/classified 37,104 89,091
7.Provision against advances 63,308 114,131
8.Advances net of provision (C5-C7) 4,416,691 5,525,612
9.Fixed assets 205,717 382,967
10.Other/misc. assets 547,123 581,243
D.Profit & loss account
1.Markup/interest earned 1,655,588 1,972,947
2.Markup/interest expensed 590,199 595,485
3.Net markup/interest income 1,065,389 1,377,462
4.Provisions and write-offs 109,972 72,822
5.Net markup/interest income after provisions 955,417 1,304,640
6.Non-markup/interest income 124,301 132,472
7.Non-markup/interest expenses 979,539 1,052,103
8.Administrative expenses 976,722 1,050,301
9.Profit/(loss) before taxation 100,179 385,009
10.Profit/(loss) after taxation 109,411 311,715
E.Other items
1.No. of ordinary shares (000) 135,150 135,150
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (185,149) 316,614
5.Commitments and contigencies 0 0
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 64.35% 69.82%
2.Net markup/interest margin (D1-D2)/C 9.98% 0.11
3.Return on equity (ROE) (D10/A) 9.21% 21.08%
4.Return on assets (ROA) (D10/C) 1.02% 2.56%
5.Non-markup/interest income to total assets 1.16% 1.09%
6.Net markup/interest income(after prov.) to to 8.95% 0.11
7.Markup/interest expense to markup/interest 35.65% 30.18%
8.Admin. expense to profit before tax. (D8/D9) ( 9.75 2.73
9.Non-markup/interest expense to total incom 55.03% 49.97%
10.Admin. expense to non-markup/interest inc 7.86 7.93
11.Earning per share (D10/E1) 0.81 2.31
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C 11.54% 13.68%
2.Investment to total assets (C4/C) 40.03% 33.07%
3.Advances net of provisions to total assets (C8 41.38% 45.34%
4.Deposits to total assets (B3/C) 81.97% 79.27%
5.Total liabilities to total assets (B/C) 88.41% 87.33%
6.Gross advances to deposits (C5/B3) 0.51 58.38%
7.Gross advances to borrowing & deposit C5/( 49.56% 54.72%
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/ 0.83% 1.58%
2.Provisions against NPLs to gross advances ( 1.41% 2.02%
3.NPLs to shareholders equity (C6/A) 3.12% 6.02%
4.NPLs write off to NPLs provisions (D4/C7) 173.71% 63.81%
5.Provision against NPL to NPLs (C7/C6) 170.62% 128.11%
I.Capital /leverage ratios
1.Capital ratio (A/C) 11.13% 12.13%
2.Commitments & contingencies to total equity ( 0.00 0.00
3.Break up value per share (A/E1) 8.79 10.94
4.Total deposit to total equity (B3/A) (times) 7.36 6.53
J.Cash flow ratio
1.Cash generated from opration activities to prof -1.69 1.02
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Financial Statement Analysis of Financial Sector
Pak-Gulf Leasing Co. Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 450,618 503,233
1.Share capital 253,698 253,698
2.Reserves 55,948 66,005
3.Un appropriated profit/loss 140,972 183,530
4.Others 44,205 44,218
B.Total liabilities (B1+ B2) 714,306 953,307
1.Non-current liabilities (a + b + c) 334,516 486,656
a.Borrowings from financial and other institution 0 0
b.Deposit on finance lease 204,525 345,791
c.Other/misc. liabilities 129,991 140,865
2.Current liabilities 379,790 466,651
C.Total assets (C1 + C2) 1,209,129 1,500,758
1.Non-current assets (a + b + c) 745,552 1,003,035
a.Net investment in finance lease 623,154 850,950
b.Fixed assets 100,976 125,764
c.Other/misc. assets 21,422 26,321
2.Current assets (e + f) 463,577 497,723
a.Cash and balances with treasury banks 5 17
b.Placement with other banks 18,729 43,737
c.Term deposits certificate 3,073 3,462
d.Other money market placements 0 0
e.Cash & cash equivalent (a + b + c + d) 21,807 47,216
f.Other/misc. current assets 441,770 450,507
D.Profit & loss account
1.Income from finance lease 84,549 117,152
2.Income from operating lease 4,721 0
3.Income from lease (D1 + D2) 89,270 117,152
4.Income from investments 0 0
5.Other income 5,378 3,648
6.Total income/revenue (D3 to D5) 94,648 120,800
7.Administrative expenses 37,095 46,156
8.Profit/(loss) before taxation 47,679 54,314
9.Profit/(loss) after taxation 29,221 50,285
E.Other items
1.No. of ordinary shares (000) 25,370 25,370
2.Cash dividend 0.00 0.00
3.Stock dividend 0.00 0.00
4.Cash generated from operating activities (117,996) (59,713)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D9/A) 6.48% 9.99%
2.Return on capital employed (ROCE) (D8/(C-B 5.75% 5.25%
3.Return on assets (ROA) (D9/C) 2.42% 3.35%
4.Return on revenue (ROR) (D9/D6) 30.87% 41.63%
5.Lease income to total income (D3/D6) 94.32% 96.98%
6.Administrative expenses to profit before tax. 1.27 0.92
7.Earning per share (D9/E1) 1.15 1.98
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C 0.02 3.15%
2.Net investment in finance lease to total asset 51.54% 0.57
3.Current assets to current liabilities (C2/B2) (t 1.22 1.07
4.Total liabilities to total assets (B/C) (times) 0.59 0.64
H.Capital /leverage ratios
1.Capital ratio (A/C) 37.27% 33.53%
2.Break up value per share (A/E1) 17.76 19.84
I.Cash flow ratio
1.Cash generated from operating activities to pro -4.04 -1.19
2.Cash generated from operating activities to cur -0.31 -0.13
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Financial Statement Analysis of Financial Sector
First Dawood Investment Bank Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 62,583 185,325
1.Share capital 1,342,326 1,483,900
2.Reserves 333,745 335,047
3.Unappropriated profit/loss (1,613,488) (1,633,622)
4.Others (6,983) (3,298)
B.Total liabilities (B1 + B2) 947,291 783,832
1.Current liabilities 947,272 783,813
2.Non-current liabilities 19 19
C.Total assets (C1+C2) 1,002,891 965,859
1.Current assets (a + b) 534,388 481,637
a.Cash and banks balances 25,979 49,162
b.Other current assets 508,409 432,475
2.Non-current assets (a + b + c) 468,503 484,222
a.Fixed assets 5,524 2,289
b.Long-term investments 188,083 187,478
c.Other non-current assets 274,896 294,455
D.Profit & loss account
1.Gross revenue 27,825 45,901
2.Administartive & operating expenses 66,023 41,845
3.Operating profit (38,198) 4,056
4.Finance cost 49,476 45,528
5.Profit/(loss) before taxation (140,907) 6,780
6.Profit/(loss) after taxation (140,945) 6,509
E.Other items
1.No. of ordinary shares (000) 134,233 148,390
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (26,315) 49,550
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) -225.21% 3.51%
2.Return on capital employed (ROCE) (D5/(C-B -253.34% 3.72%
3.Return on assets (ROA) (D6/C) -14.05% 0.67%
4.Return on revenue (ROR) (D6/D1) -506.54% 14.18%
5.Operating expenses to net income (D2/D6) -46.84% 642.88%
6.Earning per share (D6/E1) -1.05 0.04
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (t 0.56 0.61
2.Total liabilities to total assets (B/C) (times) 0.94 0.81
3.Long term investment to total assets (C2b/C) 18.75% 19.41%
H.Capital /leverage ratios
1.Capital ratio (A/C) 6.24% 19.19%
2.Break up value per share (A/E1) 0.47 1.25
I.Cash flow ratio
1.Cash generated from operating activities to pro 0.19 7.61
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Financial Statement Analysis of Financial Sector
B.F. Modaraba
Items 2014 2015
A.Total equity (A1 to A3) 109,663 118,779
1.Certificate capital 75,152 75,152
2.Reserves 34,511 43,627
3.Unappropriated profit 0 0
4.Others 24,658 29,754
B.Total liabilities (B1 + B2) 2,218 3,190
1.Current liabilities 2,218 3,190
2.Non-current liabilities 0 0
C.Total assets (C1+C2) 136,539 151,723
1.Current assets (a + b) 136,337 151,553
a.Cash and banks balances 46,428 24,153
b.Other current assets 89,909 127,400
2.Non-current assets (a + b + c) 202 170
a.Fixed assets 162 130
b.Long-term investments 0 0
c.Other non-current assets 40 40
D.Profit & loss account
1.Gross revenue(loss) 12,223 15,380
2.Operating expenses 5,486 4,817
3.Operating profit 6,737 10,563
4.Modaraba co's management fees 590 1,056
5.Profit/(loss) before taxation 5,203 9,316
6.Profit/(loss) after taxation 4,437 9,116
E.Other items
1.No. of certificates (000) 7,515 7,515
2.Cash dividend 0.00 0.07
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 40,529 (10,733)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 4.05% 7.67%
2.Return on capital employed (ROCE) (D5/(C-B 3.87% 6.27%
3.Return on assets (ROA) (D6/C) 3.25% 6.01%
4.Return on revenue (D6/D1) 0.36 59.27%
5.Operating expenses to net income (D2/D6) 123.64% 52.84%
6.Management expenses (D4/D2) 10.75% 21.92%
7.Earning Per Certificate (D6/E1) 0.59 1.21
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (t 61.47 47.51
2.Total liabilities to total assets (B/C) (times) 0.02 0.02
3.Long term investment to total assets (C2b/C) 0.00 0.00
H.Capital /leverage ratios
1.Capital ratio (A/C) 80.32% 78.29%
2.Break up value per certificate (A/E1) 14.59 15.81
I.Cash flow ratio
1.Cash generated from operating activities to pro 9.13 -1.18
2.Cash generated from operating activities to cur 18.27 -3.36
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Financial Statement Analysis of Financial Sector
First Fidelity Leasing Modaraba
Items 2014 2015
A.Total equity (A1 to A3) 348,844 341,610
1.Certificate capital 264,138 264,138
2.Reserves 84,706 77,472
3.Unappropriated profit 0 0
4.Others 0 0
B.Total liabilities (B1 + B2) 26,957 25,573
1.Current liabilities 19,301 20,041
2.Non-current liabilities 7,656 5,532
C.Total assets (C1+C2) 375,801 367,183
1.Current assets (a + b) 111,099 110,973
a.Cash and banks balances 10,170 400
b.Other current assets 100,929 110,573
2.Non-current assets (a + b + c) 264,702 256,210
a.Fixed assets 250,528 242,322
b.Long-term investments 5,750 5,750
c.Other non-current assets 8,424 8,138
D.Profit & loss account
1.Gross revenue(loss) 40,719 11,571
2.Operating expenses 18,092 21,460
3.Operating profit 22,627 (9,889)
4.Modaraba co's management fees 0 0
5.Profit/(loss) before taxation 3,789 (7,304)
6.Profit/(loss) after taxation 3,765 (7,301)
E.Other items
1.No. of certificates (000) 26,413 26,414
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (35,186) (9,702)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 1.08% -2.14%
2.Return on capital employed (ROCE) (D5/(C-B 1.06% -0.02
3.Return on assets (ROA) (D6/C) 0.01 -1.99%
4.Return on revenue (D6/D1) 9.25% -0.63
5.Operating expenses to net income (D2/D6) 480.53% -293.93%
6.Management expenses (D4/D2) 0.00 0.00
7.Earning Per Certificate (D6/E1) 0.14 -0.28
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (t 5.76 5.54
2.Total liabilities to total assets (B/C) (times) 0.07 0.07
3.Long term investment to total assets (C2b/C) 1.53% 1.57%
H.Capital /leverage ratios
1.Capital ratio (A/C) 92.83% 93.04%
2.Break up value per certificate (A/E1) 13.21 12.93
I.Cash flow ratio
1.Cash generated from operating activities to pro -9.35 1.33
2.Cash generated from operating activities to cur -1.82 -0.48
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Financial Statement Analysis of Financial Sector
First Paramount Modaraba
Items 2014 2015
A.Total equity (A1 to A3) 179,493 206,415
1.Certificate capital 83,846 119,899
2.Reserves 64,464 58,110
3.Unappropriated profit 31,183 28,406
4.Others 0 0
B.Total liabilities (B1 + B2) 141,575 233,437
1.Current liabilities 61,773 88,725
2.Non-current liabilities 79,802 144,712
C.Total assets (C1+C2) 321,068 439,852
1.Current assets (a + b) 183,982 283,869
a.Cash and banks balances 41,631 51,481
b.Other current assets 142,351 232,388
2.Non-current assets (a + b + c) 137,086 155,983
a.Fixed assets 60,188 55,645
b.Long-term investments 0 0
c.Other non-current assets 76,898 100,338
D.Profit & loss account
1.Gross revenue(loss) 55,203 72,541
2.Operating expenses 35,629 50,861
3.Operating profit 19,574 21,680
4.Modaraba co's management fees 1,626 1,319
5.Profit/(loss) before taxation 12,388 10,817
6.Profit/(loss) after taxation 12,388 10,817
E.Other items
1.No. of certificates (000) 8,384 11,990
2.Cash dividend 0.13 0.08
3.Stock dividend/bonus shares 0.10 0.15
4.Cash generated from operating activities 5,060 (23,803)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.07 5.24%
2.Return on capital employed (ROCE) (D5/(C-B 4.78% 3.08%
3.Return on assets (ROA) (D6/C) 3.86% 2.46%
4.Return on revenue (D6/D1) 22.44% 14.91%
5.Operating expenses to net income (D2/D6) 287.61% 4.70
6.Management expenses (D4/D2) 4.56% 2.59%
7.Earning Per Certificate (D6/E1) 1.48 0.90
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (t 2.98 3.20
2.Total liabilities to total assets (B/C) (times) 0.44 0.53
3.Long term investment to total assets (C2b/C) 0.00 0.00
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.56 46.93%
2.Break up value per certificate (A/E1) 21.41 17.22
I.Cash flow ratio
1.Cash generated from operating activities to pro 0.41 -2.20
2.Cash generated from operating activities to cur 0.08 -0.27
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Financial Statement Analysis of Financial Sector
Sindh Modaraba
Items 2014 2015
A.Total equity (A1 to A3) - 459,591
1.Certificate capital - 450,000
2.Reserves - 9,591
3.Unappropriated profit - 0
4.Others - 0
B.Total liabilities (B1 + B2) - 18,819
1.Current liabilities - 9,492
2.Non-current liabilities - 9,327
C.Total assets (C1+C2) - 478,410
1.Current assets (a + b) - 324,460
a.Cash and banks balances - 309,604
b.Other current assets - 14,856
2.Non-current assets (a + b + c) - 153,950
a.Fixed assets - 46,288
b.Long-term investments - 106,475
c.Other non-current assets - 1,187
D.Profit & loss account
1.Gross revenue(loss) - 23,305
2.Operating expenses - 4,502
3.Operating profit - 18,803
4.Modaraba co's management fees - 1,107
5.Profit/(loss) before taxation - 9,591
6.Profit/(loss) after taxation - 9,591
E.Other items
1.No. of certificates (000) - 45,000
2.Cash dividend - 0.02
3.Stock dividend/bonus shares - 0.00
4.Cash generated from operating activities - (110,741)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) - 2.09%
2.Return on capital employed (ROCE) (D5/(C-B- 2.05%
3.Return on assets (ROA) (D6/C) - 0.02
4.Return on revenue (D6/D1) - 41.15%
5.Operating expenses to net income (D2/D6) - 46.94%
6.Management expenses (D4/D2) - 24.59%
7.Earning Per Certificate (D6/E1) - 0.21
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (t - 34.18
2.Total liabilities to total assets (B/C) (times) - 0.04
3.Long term investment to total assets (C2b/C) - 22.26%
H.Capital /leverage ratios
1.Capital ratio (A/C) - 96.07%
2.Break up value per certificate (A/E1) - 10.21
I.Cash flow ratio
1.Cash generated from operating activities to pro
- -11.55
2.Cash generated from operating activities to cur
- -11.67
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152
Financial Statement Analysis of Financial Sector
Glaxy Exchange Co. (Pvt) Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 211,391 202,227
1.Share capital 210,000 210,000
2.Reserves 0 0
3.Accumulated profit (loss) 1,391 (7,773)
4.Others 0 0
B.Total liabilities (B1 to B2) 1,176 1,668
1.Current liabilities 1,176 1,668
2.Non-current liabilities 0 0
C.Total assets (C1+C2) 212,567 203,895
1.Current assets(a + b) 160,483 144,743
a.Cash & bank balances 153,247 126,262
b.Other assets 7,236 18,481
2.Non-current assets (a + b) 52,084 59,152
a.Fixed assets 3,764 5,992
b.Other assets 48,320 53,160
D.Profit & loss account
1.Revenue 51,534 78,615
2.Administrative and general expenses 56,572 86,993
3.Profit/(loss) before taxation (5,038) (8,378)
4.Profit/(loss) after taxation (5,554) (9,164)
E.Other items
1.No. of ordinary shares (000) 21,000 21,000
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (15,102) (26,860)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D4/A) -2.63% -4.53%
2.Return on capital employed (ROCE) (D3/C-B1 -2.38% -4.14%
3.Return on assets (ROA) (D4/C) -2.61% -4.49%
4.Admin. expense to profit before tax. (D2/D3) ( -11.23 -10.38
5.Earning per share (D4/E1) -0.26 -0.44
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C) 72.09% 61.93%
2.Cuurent assets to current liabilities (C1/B1) (t 136.47 86.78
3.Total liabilities to total assets (B/C) 0.55% 0.82%
H.Capital /leverage ratios
1.Capital ratio (A/C) 99.45% 99.18%
2.Break up value per share (A/E1) 10.07 9.63
I.Cash flow ratios
1.Cash generated from operating activities to pro 2.72 2.93
2.Cash generated from operating activities to cur -12.84 -16.10
153
Financial Statement Analysis of Financial Sector
H & H Exchange Co. (Pvt) Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 464,070 483,050
1.Share capital 400,000 400,000
2.Reserves 10,900 10,900
3.Accumulated profit (loss) 53,170 72,150
4.Others 0-
B.Total liabilities (B1 to B2) 57,375 64,268
1.Current liabilities 54,542 60,751
2.Non-current liabilities 2,833 3,517
C.Total assets (C1+C2) 521,445 547,318
1.Current assets(a + b) 499,796 525,747
a.Cash & bank balances 350,543 376,418
b.Other assets 149,253 149,329
2.Non-current assets (a + b) 21,649 21,571
a.Fixed assets 21,649 15,801
b.Other assets 0 5,770
D.Profit & loss account
1.Revenue 97,875 103,854
2.Administrative and general expenses 80,331 75,224
3.Profit/(loss) before taxation 17,544 28,630
4.Profit/(loss) after taxation 10,483 18,981
E.Other items
1.No. of ordinary shares (000) 400 400
2.Cash dividend 0.00 -
3.Stock dividend/bonus shares 0.00 -
4.Cash generated from operating activities 18,587 28,530
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D4/A) 2.26% 3.93%
2.Return on capital employed (ROCE) (D3/C-B1 3.76% 5.88%
3.Return on assets (ROA) (D4/C) 2.01% 3.47%
4.Admin. expense to profit before tax. (D2/D3) ( 4.58 2.63
5.Earning per share (D4/E1) 26.21 47.45
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C) 67.23% 68.78%
2.Cuurent assets to current liabilities (C1/B1) (t 9.16 8.65
3.Total liabilities to total assets (B/C) 0.11 11.74%
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.89 88.26%
2.Break up value per share (A/E1) 1,160.18 1,207.63
I.Cash flow ratios
1.Cash generated from operating activities to pro 1.77 1.50
2.Cash generated from operating activities to cur 0.34 0.47
154
155
156
157
158
159
160
161
162
163
164
Financial Statement Analysis of Financial Sector
Ravi Exchange Co. (Pvt) Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 547,259 658,811
1.Share capital 500,000 600,000
2.Reserves 0 0
3.Accumulated profit (loss) 47,259 58,811
4.Others 0 0
B.Total liabilities (B1 to B2) 86,083 131,161
1.Current liabilities 75,970 126,731
2.Non-current liabilities 10,113 4,430
C.Total assets (C1+C2) 633,342 789,972
1.Current assets(a + b) 397,470 614,559
a.Cash & bank balances 195,127 411,321
b.Other assets 202,343 203,238
2.Non-current assets (a + b) 235,872 175,413
a.Fixed assets 106,962 107,652
b.Other assets 128,910 67,761
D.Profit & loss account
1.Revenue 279,208 332,105
2.Administrative and general expenses 244,247 313,003
3.Profit/(loss) before taxation 34,961 19,102
4.Profit/(loss) after taxation 21,387 11,552
E.Other items
1.No. of ordinary shares (000) 5,000 6,000
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 20,475 156,239
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D4/A) 3.91% 1.75%
2.Return on capital employed (ROCE) (D3/C-B1 6.27% 2.88%
3.Return on assets (ROA) (D4/C) 3.38% 1.46%
4.Admin. expense to profit before tax. (D2/D3) ( 6.99 16.39
5.Earning per share (D4/E1) 4.28 1.93
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C) 30.81% 52.07%
2.Cuurent assets to current liabilities (C1/B1) (t 5.23 4.85
3.Total liabilities to total assets (B/C) 13.59% 0.17
H.Capital /leverage ratios
1.Capital ratio (A/C) 86.41% 0.83
2.Break up value per share (A/E1) 109.45 109.80
I.Cash flow ratios
1.Cash generated from operating activities to pro 0.96 13.52
2.Cash generated from operating activities to cur 0.27 1.23
165
166
167
168
169
170
175
176
177
178
Financial Statement Analysis of Financial Sector
EFU Life Assurance Co. Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 2,834,273 3,409,743
1.Share capital 1,000,000 1,000,000
2.Reserves 750,500 950,000
3.Un appropriated profit 1,083,773 1,459,743
4.Others 0 0
B.Total liabilities (B1 to B3) 64,394,209 87,855,636
1.Balance of statutory funds 61,222,367 83,836,320
2.Outstanding claims, adv., prem., due to other 1,815,614 2,216,190
3.Other/misc. liabilities 1,356,228 1,803,126
C.Total assets (C1 to C5) 67,228,482 91,265,379
1.Cash and balances with banks 7,666,369 14,406,587
2.Advances to policy holders & employees 71,300 100,187
3.Investments in securities & properties 55,534,580 71,941,323
4.Other/misc. assets 2,872,629 3,149,588
5.Fixed assets 1,083,604 1,667,694
D.Profit & loss account
1.Investment income 475,995 144,448
2.Gross premium 18,219,910 31,033,830
3.Net premium 17,595,939 30,351,972
4.Gross claims 5,184,170 9,396,055
5.Net claims 4,714,369 8,941,518
6.Underwriting profit 10,270,678 18,537,493
7.Profit/(loss) before taxation 1,423,373 2,225,370
8.Profit/(loss) after taxation 950,901 1,475,470
E.Other items
1.No. of ordinary shares (000) 100,000 100,000
2.Cash dividend 0.75 1.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 7,939,450 15,860,606
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D8/A) 33.55% 43.27%
2.Return on assets (ROA) (D8/C) 1.41% 1.62%
3.Earning per share (D8/E1) (rs. per share) 9.51 14.75
4.Net Claims Incurred Ratio (D5/D3) 26.79% 29.46%
5.Underwriting profit to profit after tax. (D6/D8) 10.80 1256.38%
6.Investment income to net premium (D1/D3) 2.71% 0.48%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C) 0.11 15.79%
2. Investment to total assets (C3/C) 82.61% 78.83%
H.Capital /leverage ratios
1.Capital ratio (A/C) 4.22% 3.74%
2.Break up value per share (A/E1) (Rs. per shar 28.34 34.10
I.Cash flow ratio
1.Cash generated from operating activities to pro 834.94% 1074.95%
179
180
181
182
183
184
186
187
188
189
190
191
Financial Statement Analysis of Financial Sector
Century Insurance Co. Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 1,185,311 1,753,891
1.Share capital 457,244 457,244
2.Reserves 373,024 373,024
3.Un appropriated profit 355,043 923,623
4.Others 0 0
B.Total liabilities (B1 to B3) 691,412 906,468
1.Balance of statutory funds 0 0
2.Outstanding claims, adv., prem., due to other 561,805 746,687
3.Other/misc. liabilities 129,607 159,781
C.Total assets (C1 to C5) 1,876,723 2,660,359
1.Cash and balances with banks 245,205 173,451
2.Advances to policy holders & employees 0 0
3.Investments in securities & properties 1,095,864 1,732,984
4.Other/misc. assets 487,275 697,726
5.Fixed assets 48,379 56,198
D.Profit & loss account
1.Investment income 135,888 634,704
2.Gross premium 755,311 1,034,842
3.Net premium 388,502 515,005
4.Gross claims 291,784 448,805
5.Net claims 201,946 299,836
6.Underwriting profit 107,828 128,261
7.Profit/(loss) before taxation 158,454 649,260
8.Profit/(loss) after taxation 142,372 638,313
E.Other items
1.No. of ordinary shares (000) 45,724 45,724
2.Cash dividend 0.15 0.50
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 46,432 10,147
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D8/A) 12.01% 36.39%
2.Return on assets (ROA) (D8/C) 7.59% 23.99%
3.Earning per share (D8/E1) (rs. per share) 3.11 13.96
4.Net Claims Incurred Ratio (D5/D3) 51.98% 58.22%
5.Underwriting profit to profit after tax. (D6/D8) 75.74% 20.09%
6.Investment income to net premium (D1/D3) 34.98% 123.24%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C) 13.07% 6.52%
2. Investment to total assets (C3/C) 58.39% 65.14%
H.Capital /leverage ratios
1.Capital ratio (A/C) 63.16% 65.93%
2.Break up value per share (A/E1) (Rs. per shar 25.92 38.36
I.Cash flow ratio
1.Cash generated from operating activities to pro 32.61% 1.59%
192
193
194
195
196
197
198
Financial Statement Analysis of Financial Sector
IGI General Insurance Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 11,579,146 12,260,735
1.Share capital 1,226,895 1,226,895
2.Reserves 8,470,780 8,102,711
3.Un appropriated profit 1,881,471 2,931,129
4.Others 0 0
B.Total liabilities (B1 to B3) 2,910,944 2,389,891
1.Balance of statutory funds - 0
2.Outstanding claims, adv., prem., due to other 1,638,710 1,698,799
3.Other/misc. liabilities 1,272,234 691,092
C.Total assets (C1 to C5) 14,490,090 14,650,626
1.Cash and balances with banks 315,199 367,174
2.Advances to policy holders & employees 0 0
3.Investments in securities & properties 12,323,907 12,515,647
4.Other/misc. assets 1,615,128 1,547,062
5.Fixed assets 235,856 220,743
D.Profit & loss account
1.Investment income 940,878 1,445,480
2.Gross premium 2,139,673 2,343,705
3.Net premium 1,044,933 1,121,949
4.Gross claims 1,051,471 1,074,221
5.Net claims 594,539 586,425
6.Underwriting profit 208,195 256,411
7.Profit/(loss) before taxation 942,101 1,531,753
8.Profit/(loss) after taxation 822,801 1,293,046
E.Other items
1.No. of ordinary shares (000) 122,690 122,690
2.Cash dividend 0.30 0.60
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 232 34,479
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D8/A) 7.11% 10.55%
2.Return on assets (ROA) (D8/C) 5.68% 8.83%
3.Earning per share (D8/E1) (rs. per share) 6.71 10.54
4.Net Claims Incurred Ratio (D5/D3) 0.57 52.27%
5.Underwriting profit to profit after tax. (D6/D8) 0.25 19.83%
6.Investment income to net premium (D1/D3) 90.04% 128.84%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C) 2.18% 2.51%
2. Investment to total assets (C3/C) 85.05% 85.43%
H.Capital /leverage ratios
1.Capital ratio (A/C) 79.91% 83.69%
2.Break up value per share (A/E1) (Rs. per shar 94.38 99.93
I.Cash flow ratio
1.Cash generated from operating activities to pro 0.03% 2.67%
199
200
201
202
203
204
205
Financial Statement Analysis of Financial Sector
SPI Insurance Company Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 328,529 397,217
1.Share capital 325,000 325,000
2.Reserves 0 0
3.Un appropriated profit 3,529 72,217
4.Others 0 0
B.Total liabilities (B1 to B3) 328,361 449,702
1.Balance of statutory funds 0 0
2.Outstanding claims, adv., prem., due to other 299,234 308,113
3.Other/misc. liabilities 29,127 141,589
C.Total assets (C1 to C5) 656,890 846,919
1.Cash and balances with banks 62,957 83,550
2.Advances to policy holders & employees 1,863 1,159
3.Investments in securities & properties 67,130 92,148
4.Other/misc. assets 477,442 353,976
5.Fixed assets 47,498 316,086
D.Profit & loss account
1.Investment income 12,374 10,173
2.Gross premium 510,961 599,620
3.Net premium 404,126 488,368
4.Gross claims 166,700 200,896
5.Net claims 122,799 144,754
6.Underwriting profit 110,249 150,052
7.Profit/(loss) before taxation 72,334 98,951
8.Profit/(loss) after taxation 40,337 72,097
E.Other items
1.No. of ordinary shares (000) 32,500 32,500
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 21,305 80,059
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D8/A) 12.28% 18.15%
2.Return on assets (ROA) (D8/C) 6.14% 8.51%
3.Earning per share (D8/E1) (rs. per share) 1.24 2.22
4.Net Claims Incurred Ratio (D5/D3) 30.39% 29.64%
5.Underwriting profit to profit after tax. (D6/D8) 273.32% 208.13%
6.Investment income to net premium (D1/D3) 3.06% 2.08%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C) 9.58% 9.87%
2. Investment to total assets (C3/C) 10.22% 10.88%
H.Capital /leverage ratios
1.Capital ratio (A/C) 50.01% 0.47
2.Break up value per share (A/E1) (Rs. per shar 10.11 12.22
I.Cash flow ratio
1.Cash generated from operating activities to pro 52.82% 111.04%
206
207
208
209
210
211
Financial Statement Analysis of Financial Sector
The Pakistan General Insurance Co. Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 571,861 564,858
1.Share capital 375,000 400,013
2.Reserves 140,000 114,987
3.Un appropriated profit 56,861 49,858
4.Others 9,854 11,638
B.Total liabilities (B1 to B3) 311,806 403,088
1.Balance of statutory funds 0 0
2.Outstanding claims, adv., prem., due to other 268,278 354,854
3.Other/misc. liabilities 43,528 48,234
C.Total assets (C1 to C5) 893,521 979,584
1.Cash and balances with banks 329,262 39,397
2.Advances to policy holders & employees 224 4,401
3.Investments in securities & properties 154,199 339,076
4.Other/misc. assets 312,450 498,363
5.Fixed assets 97,386 98,347
D.Profit & loss account
1.Investment income 22,159 23,718
2.Gross premium 412,925 457,540
3.Net premium 224,004 264,591
4.Gross claims 226,746 254,203
5.Net claims 122,479 128,632
6.Underwriting profit 58,653 62,566
7.Profit/(loss) before taxation 49,739 69,308
8.Profit/(loss) after taxation 44,842 66,640
E.Other items
1.No. of ordinary shares (000) 37,500 40,001
2.Cash dividend 0.00 0.08
3.Stock dividend/bonus shares 6.67% 0.00
4.Cash generated from operating activities 97,064 (143,942)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D8/A) 7.84% 0.12
2.Return on assets (ROA) (D8/C) 5.02% 0.07
3.Earning per share (D8/E1) (rs. per share) 1.20 1.67
4.Net Claims Incurred Ratio (D5/D3) 54.68% 48.62%
5.Underwriting profit to profit after tax. (D6/D8) 1.31 93.89%
6.Investment income to net premium (D1/D3) 9.89% 8.96%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C) 36.85% 4.02%
2. Investment to total assets (C3/C) 17.26% 34.61%
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.64 57.66%
2.Break up value per share (A/E1) (Rs. per shar 15.25 14.12
I.Cash flow ratio
1.Cash generated from operating activities to pro 216.46% -2.16
212
213
214
215
216
217
218
Financial Statement Analysis of Financial Sector
Pak Kuwait Takaful Co. Ltd.
Items 2014 2015
A.Total equity (A1 to A3) 20,950 26,424
1.Share capital 450,000 450,000
2.Reserves 154,581 (288,138)
3.Un appropriated profit (583,631) (135,438)
4.Others 500 500
B.Total liabilities (B1 to B3) 799,875 446,624
1.Balance of statutory funds 0 0
2.Outstanding claims, adv., prem., due to other 605,353 363,227
3.Other/misc. liabilities 194,522 83,397
C.Total assets (C1 to C5) 821,325 473,548
1.Cash and balances with banks 228,128 124,990
2.Advances to policy holders & employees 0 0
3.Investments in securities & properties 68,642 53,968
4.Other/misc. assets 502,155 275,933
5.Fixed assets 22,400 18,657
D.Profit & loss account
1.Investment income 1,589 623
2.Gross premium 868,016 529,044
3.Net premium 230,363 202,998
4.Gross claims 589,462 382,836
5.Net claims 372,172 248,849
6.Underwriting profit 169,693 4,203
7.Profit/(loss) before taxation (6,138) (446,164)
8.Profit/(loss) after taxation (14,723) (444,295)
E.Other items
1.No. of ordinary shares (000) 45,000 45,000
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (81,490) (134,149)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D8/A) -70.28% -1681.41%
2.Return on assets (ROA) (D8/C) -1.79% -93.82%
3.Earning per share (D8/E1) (rs. per share) -0.33 -9.87
4.Net Claims Incurred Ratio (D5/D3) 161.56% 122.59%
5.Underwriting profit to profit after tax. (D6/D8) -1152.57% -0.95%
6.Investment income to net premium (D1/D3) 0.69% 0.31%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C) 27.78% 26.39%
2. Investment to total assets (C3/C) 8.36% 0.11
H.Capital /leverage ratios
1.Capital ratio (A/C) 2.55% 5.58%
2.Break up value per share (A/E1) (Rs. per shar 0.47 0.59
I.Cash flow ratio
1.Cash generated from operating activities to pro 553.49% 30.19%
219
220
224
228
229
Appendix
Appendix
Company Page #
Banks (34)*
A. Public Sector Banks (5)
1 First Women Bank Ltd. 27
2 National Bank of Pakistan 28
3 Sindh Bank Ltd. 29
4 The Bank of Khyber 30
5 The Bank of Punjab 31
B. Private Sector Banks (20)
1 Albaraka Bank (Pakistan) Ltd. 33
2 Allied Bank Ltd. 34
3 Askari Bank Ltd. 35
4 Bank Al-Habib Ltd. 36
5 Bank Alfalah Ltd. 37
6 Bankislami Pakistan Ltd. 38
7 Dubai Islamic Bank Pakistan Ltd. 39
8 Faysal Bank Ltd. 40
Ltd.
231
232
Company Page #
18 First UDL Modarba 135
19 IBL Modaraba 136
20 KASB Modaraba 137
21 Modaraba Al-Mali 138
22 Orix Modarba 139
23 Popular Islamic Modarba 140
24 Sindh Modarba 141
25 Trust Modarba 142
233
Company Page #
Explanatory Notes:
In the analysis, consolidated financial statements of a company is used to cover full potential of
the parent company; whereas standalone accounts are used for such company whoes subsidery is
covered in any other sector.
Data revisions in the preceding years are due to restated balance sheets by respective institutions
plus error & omissions, if any.
Repeated data of any company is replaced with the actual one upon receipt of its annual report in
that year’s publication.
The symbol ‘-‘ appearing in the analytical tables stands for Not applicable or Not available.
235
Financial Sector 2018
(Thousand Rupees)
2016 2017 2018
1,175,498,718 1,149,807,067 1,262,042,353
534,612,611 413,014,554 432,521,958
304,936,372 341,413,315 388,513,190
335,949,735 395,379,198 441,007,205
174,822,622 238,908,131 197,211,394
14,539,437,305 17,151,321,267 18,625,598,171
211,162,200 264,242,205 290,242,627
1,928,723,371 3,091,646,420 3,052,211,076
11,764,688,240 12,930,256,100 14,315,831,284
634,863,494 865,176,542 967,313,184
15,889,758,645 18,540,036,464 20,084,851,918
1,186,502,771 1,295,237,258 3,230,093,980
158,026,748 150,155,990 153,916,655
542,138,720 580,383,714 898,927,300
7,512,974,884 8,684,912,973 8,064,134,160
5,997,009,849 7,045,906,738 8,546,713,218
552,131,134 595,011,025 629,359,006
512,292,695 531,592,658 563,193,294
5,484,717,154 6,514,314,080 7,983,519,924
289,004,128 361,031,935 409,188,112
716,394,240 954,000,514 (654,928,213)
2,060,927 4,208,875
1,005,671 2,304,950
1,055,256 1,903,925
(55) 895,646
1,055,311 1,008,279
439,010 399,262
1,845,248 3,087,754
1,845,119 3,083,172
(350,927) (1,680,213)
(262,997) (1,095,982)
1,000,000 1,120,000
0.00 0.00
0.00 0.00
6,130,427 (17,450,371)
3,389,641 8,931,264
0.51 45.24%
2.04% 2.01%
-2.67% -11.03%
-0.51% -1.15%
0.85% 0.42%
2.04% 1.06%
0.49 54.76%
-5.26 -1.83
73.81% 67.01%
4.20 7.72
-0.26 -0.98
11.78% 8.87%
17.75% 0.13
60.51% 66.29%
63.18% 77.25%
81.39% 89.39%
95.79% 85.83%
0.77 77.58%
0.00 0.00
0.00 0.02%
0.00 0.00
-4.51% 6027.23%
- -
0.19 10.47%
0.34 0.90
9.83 8.87
3.32 7.38
-23.31 15.92
0 0 0
0.00 0.00 0.00
0.00 0.00 0.00
(211,853) (187,160) (187,160)
136,765 95,803 95,803
369,276
345,662
23,614
0
23,614
12,969
561,245
561,245
(524,662)
(267,110)
6,686,824
13,864,479
6.39%
0.16%
-3.85%
-1.81%
0.09%
0.16%
93.61%
-1.07
146.83%
43.28
0.49
0.45
0.91%
48.96%
56.21%
1.85%
1.85%
0.00
0.00
0.00
-
-
47.03%
2.00
1.04
-25.03
(Thousand Rupees)
2016 2017 2018
28,125,443 35,872,132 50,874,057
21,443,298 24,477,784 27,678,113
2,977,973 4,126,727 14,570,204
3,704,172 7,267,621 8,625,740
(3,610,302) (3,463,477) (2,901,342)
145,615,827 215,106,548 278,539,757
110,670 136,194 141,654
13,728,881 13,017,323 17,011,065
120,173,249 185,909,900 238,556,412
11,603,027 16,043,131 22,830,626
170,130,968 247,515,203 326,512,472
9,534,721 12,224,551 16,246,986
23,705,997 26,690,384 43,464,211
2,151,981 4,292,591 9,833,315
30,964,763 44,674,356 37,008,966
89,637,080 136,663,986 189,658,351
2,279,323 2,459,310 5,105,742
1,894,075 2,537,140 4,509,407
87,743,005 134,126,846 185,148,944
5,142,024 7,256,382 10,805,498
10,888,477 18,250,093 24,004,552
2018
(Thousand Rupees)
2017 2018
796,929 833,108
750,000 750,000
9,880 17,496
37,049 65,612
2,470 4,374
4,507 165,971
0 0
0 76,523
1,373 77,769
3,134 11,679
803,906 1,003,453
1,005 13,416
423,921 255,910
0 0
0 100,000
341,807 589,666
0 2,405
3,418 6,564
338,389 583,102
9,013 14,345
31,578 36,680
119,668 207,309
5 5,014
119,663 202,295
3,195 4,597
116,468 197,697
10 0
85,525 145,735
85,525 114,938
30,954 51,962
21,725 38,084
75,000 75,000
0.00 0.00
0.00 0.00
(253,586) (47,290)
0 0
1.00 97.58%
14.89% 20.16%
2.73% 4.57%
0.03 0.04
0.00 0.00
14.49% 0.20
0.00 2.42%
2.76 2.21
71.46% 0.70
8552.50 -
0.29 0.51
52.86% 26.84%
0.00 9.97%
42.09% 58.11%
0.17% 7.75%
0.56% 16.54%
248.95 758.23%
248.95 382.18%
0.00 0.41%
0.01 1.11%
0.00 0.29%
93.48% 70.03%
- 272.93%
99.13% 83.02%
0.00 0.00
10.63 11.11
0.00 0.09
-11.67 -1.24
(Thousand Rupees)
2016 2017 2018
5,542,829 5,744,191 7,715,554
3,634,811 3,634,811 3,706,107
2,419,843 2,469,903 4,036,125
(511,825) (360,523) (26,678)
137,969 135,346 126,296
27,065,289 26,094,898 23,982,778
14,128,361 12,880,261 11,146,761
6,340,528 6,872,928 5,889,089
6,755,018 4,885,143 4,031,104
1,032,815 1,122,190 1,226,568
12,936,928 13,214,637 12,836,017
32,746,087 31,974,435 31,824,628
16,203,595 16,393,964 16,082,386
19,763,356 19,800,686 20,708,433
2,317,866 1,845,039 1,708,860
(5,877,627) (5,251,761) (6,334,907)
16,542,492 15,580,471 15,742,242
1,594 3,164 12,172
608,627 631,755 527,474
1,326,712 985,808 842,377
10,000 9,291 63,291
1,946,933 1,630,018 1,445,314
14,595,559 13,950,453 14,296,928
0 0 0
51,260 52,507 64,460
51,260 52,507 64,460
0 0 0
1,381 0 0
52,641 52,507 64,460
9,294 12,166 8,234
32,309 31,819 40,760
19,884 21,036 33,794
(Thousand Rupees)
2016 2017 2018
426,094 1,079,161 1,061,381
8,950,959 7,321,887 7,321,887
(609,167) (694,201) (667,028)
(7,915,698) (5,548,525) (5,593,478)
3,710,284 2,671,491 2,641,347
6,679,418 5,588,530 6,416,980
5,341,756 4,054,026 4,871,426
1,337,662 1,534,504 1,545,554
10,815,796 9,339,182 10,119,708
5,314,974 4,689,481 5,568,914
314,494 287,681 1,092,007
5,000,480 4,401,800 4,476,907
5,500,822 4,649,701 4,550,794
1,003,290 802,538 834,173
2,879,754 2,696,293 2,503,564
1,617,778 1,150,870 1,213,057
574,856 297,767 340,116
489,914 302,527 437,533
84,942 (4,760) (97,417)
43,576 58,091 61,742
58,462 50,044 (13,095)
505,280 (290,781) 38,127
(Thousand Rupees)
2016 2017 2018
13,153,483 14,552,885 12,083,652
7,436,742 6,486,742 6,486,742
3,977,913 3,977,913 3,977,913
1,738,828 4,088,230 1,618,997
6,681,481 8,330,779 7,607,296
774,027 647,323 685,649
46,829 52,057 45,849
727,198 595,266 639,800
20,608,991 23,530,987 20,376,597
1,901,183 1,064,167 1,155,432
18,572,048 22,214,329 18,924,961
135,760 252,491 296,204
- 21,778 (7,810)
- 0 0
- 72 35
- 0 0
- 0 0
- 0 0
- 21,706 (7,845)
- 0 0
- 2,498 2,361
- 1,497 1,449
- 93 75
- 0 0
- 430 649
- 478 188
- 19,280 (10,171)
- 5,000 5,000
- 0.00 0.00
- 0.00 0.00
- 584 785
- 99.67% 100.45%
- 0.00 0.00
- 88.53% 130.23%
- 21.81% -13.17%
- 59.93% 61.37%
- 10.00 10.00
- 3.86 -2.03
- 0.05% 0.05%
- 10.33% 13.57%
- 56.55% 64.76%
- 0.03 -0.08
(Thousand Rupees)
2016 2017 2018
19,189,840 19,899,700 19,877,693
12,422,724 12,286,325 12,629,485
8,524,183 8,842,116 9,184,302
(1,757,067) (1,228,741) (1,936,094)
1,450,667 2,134,417 2,155,422
16,412,805 22,212,086 29,197,491
11,285,886 16,434,305 23,211,492
5,126,919 5,777,781 5,985,999
37,053,311 44,246,203 51,230,606
11,747,764 13,858,630 17,827,612
2,540,492 2,320,347 2,876,304
9,207,272 11,538,283 14,951,308
25,305,547 30,387,573 33,402,994
19,110,963 22,787,046 24,115,619
5,335,080 6,485,463 8,232,415
859,504 1,115,064 1,054,960
(Thousand Rupees)
2016 2017 2018
10,098,882 11,290,065 12,923,211
8,797,935 9,482,785 10,348,997
100,360 124,743 59,608
1,200,587 1,682,537 2,514,606
56,080 15,559 13,194
2,028,034 2,227,393 3,040,312
1,710,443 1,904,343 2,676,539
317,591 323,050 363,773
12,182,996 13,533,017 15,976,717
9,384,200 10,479,847 12,751,924
7,485,041 8,273,020 9,057,809
1,899,159 2,206,827 3,694,115
2,798,796 3,053,170 3,224,793
813,053 872,769 976,779
1,985,743 2,180,401 2,248,014
2,054 2,054 0
0.00 0.00 0.00
0.00 0.00 0.00
(4,948) 6,770 4,858
(Thousand Rupees)
2016 2017 2018
141,449,459 130,316,677 128,579,024
36,815,193 39,588,321 42,448,302
60,096,941 47,457,366 42,274,962
44,537,325 43,270,990 43,855,760
3,081,149 2,743,345 3,138,453
1,110,442,591 1,224,916,867 1,361,319,519
2,483,637 3,049,994 3,729,090
817,331,661 902,527,773 1,005,724,371
290,627,293 319,339,100 351,866,058
1,254,973,198 1,357,976,888 1,493,036,994
59,415,634 72,132,560 65,532,643
63,618,947 1,538,716 1,608,499
987,647,020 1,050,277,578 1,139,557,041
132,118,971 217,994,294 266,891,202
12,172,626 16,033,740 19,447,609
(Thousand Rupees)
2016 2017 2018
(364,187) 16,711,251 16,926,069
3,001,000 19,365,000 19,365,000
713,662 1,038,728 1,246,974
(4,078,849) (3,692,477) (3,685,905)
16,362,314 2,173 (20,845)
4,908,344 3,616,650 3,972,657
4,908,344 3,616,650 3,972,657
0 0 0
0 0 0
0 0 0
20,906,471 20,330,074 20,877,881
771,688 825,113 446,407
121,378 53,531 34,387
650,310 771,582 412,020
20,134,783 19,504,961 20,431,474
0 0 0
20,134,783 19,504,961 20,431,474
(Thousand Rupees)
2016 2017 2018
18,653 18,276 18,890
25,073 25,072 25,073
752 752 752
(7,172) (7,548) (6,935)
15,697 22,759 20,609
4,824 5,226 3,876
4,488 4,928 3,693
336 298 183
39,174 46,261 43,375
36,711 44,178 41,532
2,769 1,605 5,335
33,942 42,573 36,197
2,463 2,083 1,843
2,244 1,965 1,725
219 118 118
JS BANK LTD.
Items 2007 2008
A.Total equity (A1 to A3) 5,141,351 5,784,628
1.Share capital 5,106,337 5,694,844
2.Reserves 7,086 18,040
3.Un appropriated profit 27,928 71,744
4.Others 52,456 (508,791)
B.Total liabilities(B1 to B4) 15,133,945 16,351,965
1.Bills payable 727,179 127,922
2.Borrowings from financial institutions 481,147 537,655
3.Deposits and other accounts 13,679,898 15,294,273
4.Other/misc. liabilities 245,721 392,115
C.Total assets (C1 to C4 + C8 to C10) 20,327,752 21,627,802
1.Cash and balances with treasury banks 977,235 1,285,247
2.Balances with other banks 254,079 672,271
3.Lending to financial institutions 3,601,211 1,405,210
4.Investments 6,109,536 5,138,709
5.Gross advances 6,593,635 9,810,093
6.Advances-non-performing/classified 143,604 455,504
7.Provision against advances 117,672 129,644
8.Advances net of provision (C5-C7) 6,475,963 9,680,449
9.Fixed assets 491,736 2,496,883
10.Other/misc. assets 2,417,992 949,033
D.Profit & loss account
1.Markup/interest earned 1,130,383 1,975,203
2.Markup/interest expensed 864,300 1,361,738
3.Net markup/interest income 266,083 613,465
4.Provisions and write-offs 9,727 11,218
5.Net markup/interest income after provisions 256,356 602,247
6.Non-markup/interest income 418,340 492,345
7.Non-markup/interest expenses 736,917 983,367
8.Administrative expenses 736,263 982,624
9.Profit/(loss) before taxation 97,625 111,225
10.Profit/(loss) after taxation 35,431 54,770
E.Other items
1.No. of ordinary shares (000) 510,634 569,484
2.Cash dividend 0.00 0.20
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (660,884) 403,176
5.Commitments and contigencies 3,853,683 1,260,563
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 0.24 0.31
2.Net markup/interest margin (D1-D2)/C 0.01 0.03
3.Return on equity (ROE) (D10/A) 0.01 0.01
4.Return on assets (ROA) (D10/C) 0.00 0.00
5.Non-markup/interest income to total assets (D6/C) 0.02 0.02
6.Net markup/interest income(after prov.) to total assets(D5/C) 0.01 0.03
7.Markup/interest expense to markup/interest income (D2/D1) 0.76 0.69
8.Admin. expense to profit before tax. (D8/D9) (times) 7.54 8.83
9.Non-markup/interest expense to total income D7/(D1+D6) 0.48 0.40
10.Admin. expense to non-markup/interest income (D8/D6) (times) 1.76 2.00
11.Earning per share (D10/E1) 0.07 0.10
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.06 0.09
2.Investment to total assets (C4/C) 0.30 0.24
3.Advances net of provisions to total assets (C8/C) 0.32 0.45
4.Deposits to total assets (B3/C) 0.67 0.71
5.Total liabilities to total assets (B/C) 0.74 0.76
6.Gross advances to deposits (C5/B3) 0.48 0.64
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.47 0.62
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.02 0.05
2.Provisions against NPLs to gross advances (C7/C5) 0.02 0.01
3.NPLs to shareholders equity (C6/A) 0.03 0.08
4.NPLs write off to NPLs provisions (D4/C7) 0.08 0.09
5.Provision against NPL to NPLs (C7/C6) 0.82 0.28
I.Capital /leverage ratios
1.Capital ratio (A/C) 0.25 0.27
2.Commitments & contingencies to total equity (E5/A) (times) 0.75 0.22
3.Break up value per share (A/E1) 10.07 10.16
4.Total deposit to total equity (B3/A) (times) 2.66 2.64
J.Cash flow ratio
1.Cash generated from opration activities to profit after tax (E4/D10) -18.65 7.36
KASB BANK LIMITED
Items 2007 2008
A.Total equity (A1 to A3) 3,250,768 3,191,389
1.Share capital 3,106,978 4,014,890
2.Reserves 151,287 151,287
3.Un appropriated profit (7,497) (974,788)
4.Others 1,033,224 6,008,118
B.Total liabilities(B1 to B4) 36,606,580 42,599,591
1.Bills payable 879,152 217,520
2.Borrowings from financial institutions 1,745,807 6,300,622
3.Deposits and other accounts 33,131,773 35,087,477
4.Other/misc. liabilities 849,848 993,972
C.Total assets (C1 to C4 + C8 to C10) 40,890,572 51,799,098
1.Cash and balances with treasury banks 3,001,895 1,507,632
2.Balances with other banks 807,555 59,093
3.Lending to financial institutions 1,766,398 556,455
4.Investments 7,277,875 9,454,149
5.Gross advances 26,046,768 35,164,850
6.Advances-non-performing/classified 1,069,872 7,354,408
7.Provision against advances 903,615 2,924,654
8.Advances net of provision (C5-C7) 25,143,153 32,240,196
9.Fixed assets 1,094,748 2,909,213
10.Other/misc. assets 1,798,948 5,072,360
D.Profit & loss account
1.Markup/interest earned 2,917,344 4,861,400
2.Markup/interest expensed 2,285,381 4,448,440
3.Net markup/interest income 631,963 412,960
4.Provisions and write-offs 212,976 2,223,938
5.Net markup/interest income after provisions 418,987 (1,810,978)
6.Non-markup/interest income 821,479 615,591
7.Non-markup/interest expenses 1,174,904 1,787,364
8.Administrative expenses 1,153,736 1,759,032
9.Profit/(loss) before taxation 65,562 (1,849,199)
10.Profit/(loss) after taxation 197,693 (972,969)
E.Other items
1.No. of ordinary shares 310,698 401,489
2.Cash dividend 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities 1,200,499 (3,436,371)
5.Commitments and contigencies 10,375,250 14,966,219
F.Efficiency ratios/profitability ratios
1.Spread ratio (D3/D1) 0.22 0.08
2.Net markup/interest margin (D1-D2)/C 0.02 0.01
3.Return on equity (ROE) (D10/A) 0.06 -0.30
4.Return on assets (ROA) (D10/C) 0.00 -0.02
5.Non-markup/interest income to total assets (D6/C) 0.02 0.01
6.Net markup/interest income(after prov.) to total assets(D5/C) 0.01 -0.04
7.Markup/interest expense to markup/interest income (D2/D1) 0.78 0.92
8.Admin. expense to profit before tax. (D8/D9) (times) 17.60 -0.95
9.Non-markup/interest expense to total income D7/(D1+D6) 0.31 0.33
10.Admin. expense to non-markup/interest income (D8/D6) (times) 1.40 2.86
11.Earning per share (D10/E1) 0.64 -2.42
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.09 0.03
2.Investment to total assets (C4/C) 0.18 0.18
3.Advances net of provisions to total assets (C8/C) 0.61 0.62
4.Deposits to total assets (B3/C) 0.81 0.68
5.Total liabilities to total assets (B/C) 0.90 0.82
6.Gross advances to deposits (C5/B3) 0.79 1.00
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.75 0.85
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.04 0.21
2.Provisions against NPLs to gross advances (C7/C5) 0.03 0.08
3.NPLs to shareholders equity (C6/A) 0.33 2.30
4.NPLs write off to NPLs provisions (D4/C7) 0.24 0.76
5.Provision against NPL to NPLs (C7/C6) 0.84 0.40
I.Capital /leverage ratios
1.Capital ratio (A/C) 0.08 0.06
2.Commitments & contingencies to total equity (E5/A) (times) 3.19 4.69
3.Break up value per share (A/E1) 10.46 7.95
4.Total deposit to total equity (B3/A) (times) 10.19 10.99
J.Cash flow ratio
1.Cash generated from opration activities to profit after tax (E4/D10) (times) 6.07 3.53
SILKBANK LIMITED
Items 2007 2008
A.Total equity (A1 to A3) 1,100,769 3,089,997
1.Share capital 5,001,750 9,003,150
2.Reserves 218,556 218,556
3.Un appropriated profit (4,119,537) (6,131,709)
4.Others 1,079,670 1,301,363
B.Total liabilities(B1 to B4) 51,480,161 51,253,908
1.Bills payable 570,756 431,537
2.Borrowings from financial institutions 6,880,449 8,738,616
3.Deposits and other accounts 42,373,710 41,056,630
4.Other/misc. liabilities 1,655,246 1,027,125
C.Total assets (C1 to C4 + C8 to C10) 53,660,600 55,645,268
1.Cash and balances with treasury banks 3,223,780 3,070,067
2.Balances with other banks 128,991 190,197
3.Lending to financial institutions 839,959 1,376,651
4.Investments 17,859,169 12,012,233
5.Gross advances 31,415,818 38,187,392
6.Advances-non-performing/classified 6,136,018 12,845,225
7.Provision against advances 5,540,846 7,100,019
8.Advances net of provision (C5-C7) 25,874,972 31,087,373
9.Fixed assets 2,367,883 3,002,450
10.Other/misc. assets 3,365,846 4,906,297
D.Profit & loss account
1.Markup/interest earned 4,799,853 4,588,299
2.Markup/interest expensed 4,440,116 4,218,901
3.Net markup/interest income 359,737 369,398
4.Provisions and write-offs 3,132,444 1,642,093
5.Net markup/interest income after provisions (2,772,707) (1,272,695)
6.Non-markup/interest income 776,825 384,510
7.Non-markup/interest expenses 1,324,383 1,946,070
8.Administrative expenses 1,270,317 1,935,732
9.Profit/(loss) before taxation (3,320,265) (2,834,255)
10.Profit/(loss) after taxation (3,040,907) (2,014,268)
E.Other items
1.No. of ordinary shares (000) 500,175 900,315
2.Cash dividend 0.00 0.80
3.Stock dividend/bonus shares 0.00 0.00
4.Cash generated from operating activities (2,009,657) (7,387,980)
5.Commitments and contigencies 15,144,301 13,208,986
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 0.07 0.08
2.Net markup/interest margin (D1-D2)/C 0.01 0.01
3.Return on equity (ROE) (D10/A) -2.76 -0.65
4.Return on assets (ROA) (D10/C) -0.06 -0.04
5.Non-markup/interest income to total assets (D6/C) 0.01 0.01
6.Net markup/interest income(after prov.) to total assets(D5/C) -0.05 -0.02
7.Markup/interest expense to markup/interest income (D2/D1) 0.93 0.92
8.Admin. expense to profit before tax. (D8/D9) (times) -0.38 -0.68
9.Non-markup/interest expense to total income D7/(D1+D6) 0.24 0.39
10.Admin. expense to non-markup/interest income (D8/D6) (times) 1.64 5.03
11.Earning per share (D10/E1) -6.08 -2.24
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.06 0.06
2.Investment to total assets (C4/C) 0.33 0.22
3.Advances net of provisions to total assets (C8/C) 0.48 0.56
4.Deposits to total assets (B3/C) 0.79 0.74
5.Total liabilities to total assets (B/C) 0.96 0.92
6.Gross advances to deposits (C5/B3) 0.74 0.93
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.64 0.77
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.20 0.34
2.Provisions against NPLs to gross advances (C7/C5) 0.18 0.19
3.NPLs to shareholders equity (C6/A) 5.57 4.16
4.NPLs write off to NPLs provisions (D4/C7) 0.57 0.23
5.Provision against NPL to NPLs (C7/C6) 0.90 0.55
I.Capital /leverage ratios
1.Capital ratio (A/C) 0.02 0.06
2.Commitments & contingencies to total equity (E5/A) (times) 13.76 4.27
3.Break up value per share (A/E1) 2.20 3.43
4.Total deposit to total equity (B3/A) (times) 38.49 13.29
J.Cash flow ratio
1.Cash generated from opration activities to profit after tax (E4/D10) 0.66 3.67
CITI BANK N. A.
Items 2007 2008
A.Total equity (A1 to A3) 6,379,282 9,507,730
1.Head office capital account 5,443,260 7,742,345
2.Reserves 0 75,785
3.Unremitted profit 936,022 1,689,600
4.Others (53,371) (494,658)
B.Total liabilities (B1 to B4) 86,142,940 92,638,755
1.Bills payable 2,120,612 1,660,227
2.Borrowings from financial institutions 5,977,312 3,152,988
3.Deposits and other accounts 68,627,815 65,484,768
4.Other/misc. liabilities 9,417,201 22,340,772
C.Total assets (C1 to C4 + C8 to C10) 92,468,851 101,651,827
1.Cash and balances with treasury banks 7,799,117 10,583,830
2.Balances with other banks 192,370 7,358,861
3.Lending to financial institutions 4,530,449 14,166,060
4.Investments 21,276,196 9,194,307
5.Gross advances 50,912,294 43,635,814
6.Advances-non-performing/classified 1,044,729 1,955,724
7.Provision against advances 1,844,083 1,779,065
8.Advances net of provision (C5-C7) 49,068,211 41,856,749
9.Fixed assets 1,420,645 1,474,167
10.Other/misc. assets 8,181,863 17,017,853
D.Profit & loss account
1.Markup/interest earned 10,553,668 9,943,656
2.Markup/interest expenses 5,071,332 4,144,702
3.Net markup/interest income 5,482,336 5,798,954
4.Provisions and write-offs 2,655,460 4,058,001
5.Net markup/interest income after provisions 2,826,876 1,740,953
6.Non-markup/interest income 3,133,824 3,546,047
7.Non-markup/interest expenses 4,757,786 5,168,151
8.Administrative expenses 4,735,163 5,127,991
9.Profit/(loss) before taxation 1,202,914 118,849
10.Profit/(loss) after taxation 896,449 800,362
E.Other items
1.Cash generated from operating activities (2,780,477) (1,086,131)
2.Commitments and contingencies 194,203,394 255,409,196
F.Efficiency ratios/Profitability ratios
1.Spread (D3/D1) 0.52 0.58
2.Net markup/interest margin (D1-D2)/C 0.06 0.06
3.Return on equity (ROE) (D10/A) 0.14 0.08
4.Return on assets (ROA) (D10/C) 0.01 0.01
5.Non-markup/interest income to total assets (D6/C) 0.03 0.03
6.Net markup/Interest income (after prov.) to total assets(D5/C) 0.03 0.02
7.Markup/interest expense to markup/interest income (D2/D1) 0.48 0.42
8.Admin expense to profit before tax.(D8/D9) (times) 3.94 43.15
9.Non-markup/interest expense to total income D7/(D1+D6) 0.35 0.38
10.Admin. exp. to non-markup/interest income (D8/D6) (times) 1.51 1.45
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.09 0.18
2.Investment to total assets (C4/C) 0.23 0.09
3.Advances net of provision to total assets (C8/C) 0.53 0.41
4.Deposits to total assets ( B3/C) 0.74 0.64
5.Total liabilities to total assets (B/C) 0.93 0.91
6.Gross advances to deposit (C5/B3) 0.74 0.67
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.68 0.64
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.02 0.04
2.Provision against NPLs to gross advances (C7/C5) 0.04 0.04
3.NPLs to total equity (C6/A) 0.16 0.21
4.NPLs write off to NPLs provision (D4/C7) 1.44 2.28
5.Provision against NPL to NPLs (C7/C6) 1.77 0.91
I.Capital/leverage ratios
1.Capital ratio (A/C) 0.07 0.09
2.Commitments & contingencies to total equity (E2/A) (times) 30.44 26.86
3.Total deposit to total equity (B3/A) (times) 10.76 6.89
J.Cash flow ratio
1.Cash generated from operating activities to profit after tax (E1/D10 -3.10 -1.36
DEUTSCHE BANK AG
Items 2007 2008
A.Total equity (A1 to A3) 3,556,772 4,634,445
1.Head office capital account 2,853,853 3,600,702
2.Reserves 0 0
3.Unremitted profit 702,919 1,033,743
4.Others (3,658) (232)
B.Total liabilities (B1 to B4) 14,032,377 17,095,525
1.Bills payable 625,398 1,683,524
2.Borrowings from financial institutions 6,971,367 532,521
3.Deposits and other accounts 5,128,591 10,317,214
4.Other/misc. liabilities 1,307,021 4,562,266
C.Total assets (C1 to C4 + C8 to C10) 17,585,491 21,729,738
1.Cash and balances with treasury banks 3,522,250 4,754,734
2.Balances with other banks 127,489 1,628,093
3.Lending to financial institutions 4,924,319 5,309,670
4.Investments 3,695,931 999,390
5.Gross advances 4,715,413 6,374,949
6.Advances-non-performing/classified 0 312,566
7.Provision against advances 16,162 40,343
8.Advances net of provision (C5-C7) 4,699,251 6,334,606
9.Fixed assets 107,229 130,225
10.Other/misc. assets 509,022 2,573,020
D.Profit & loss account
1.Markup/interest earned 679,115 1,041,031
2.Markup/interest expenses 382,592 400,017
3.Net markup/interest income 296,523 641,014
4.Provisions and write-offs 8,464 48,069
5.Net markup/interest income after provisions 288,059 592,945
6.Non-markup/interest income 1,062,244 1,053,202
7.Non-markup/interest expenses 574,011 815,012
8.Administrative expenses 572,659 813,878
9.Profit/(loss) before taxation 776,292 831,135
10.Profit/(loss) after taxation 504,294 534,135
E.Other items
1.Cash generated from operating activities 2,714,933 (266,446)
2.Commitments and contingencies 248,140,110 98,796,853
F.Efficiency ratios/Profitability ratios
1.Spread (D3/D1) 0.44 0.62
2.Net markup/interest margin (D1-D2)/C 0.02 0.03
3.Return on equity (ROE) (D10/A) 0.14 0.12
4.Return on assets (ROA) (D10/C) 0.03 0.02
5.Non-markup/interest income to total assets (D6/C) 0.06 0.05
6.Net markup/Interest income (after prov.) to total assets(D5/C) 0.02 0.03
7.Markup/interest expense to markup/interest income (D2/D1) 0.56 0.38
8.Admin expense to profit before tax.(D8/D9) (times) 0.74 0.98
9.Non-markup/interest expense to total income D7/(D1+D6) 0.33 0.39
10.Admin. exp. to non-markup/interest income (D8/D6) (times) 0.54 0.77
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.21 0.29
2.Investment to total assets (C4/C) 0.21 0.05
3.Advances net of provision to total assets (C8/C) 0.27 0.29
4.Deposits to total assets ( B3/C) 0.29 0.47
5.Total liabilities to total assets (B/C) 0.80 0.79
6.Gross advances to deposit (C5/B3) 0.92 0.62
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.39 0.59
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.00 0.05
2.Provision against NPLs to gross advances (C7/C5) 0.00 0.01
3.NPLs to total equity (C6/A) 0.00 0.07
4.NPLs write off to NPLs provision (D4/C7) 0.52 1.19
5.Provision against NPL to NPLs (C7/C6) - 0.13
I.Capital/leverage ratios
1.Capital ratio (A/C) 0.20 0.21
2.Commitments & contingencies to total equity (E2/A) (times) 69.77 21.32
3.Total deposit to total equity (B3/A) (times) 1.44 2.23
J.Cash flow ratio
1.Cash generated from operating activities to profit after tax (E1/D10 5.38 -0.50
46.51% 0 0 0 0 0
0.04 0 0 0 0 0
8.27% 0 0 0 0 0
0.74% 0 0 0 0 0
1.62% 0 0 0 0 0
2.48% 0 0 0 0 0
54.92% 1 1 1 1 1
2.63 2 1 1 2 1
27.16% 0 0 0 0 0
1.72 2 2 2 2 2
11.23% 0 0 0 0 0
26.16% 0 0 0 0 0
49.91% 0 0 0 0 0
73.47% 1 1 1 1 1
89.79% 1 1 1 1 1
74.29% 1 1 1 1 1
65.31% 1 1 1 1 0
11.93% 0 0 0 0 0
8.55% 0 0 0 0 0
0.73 1 1 1 1 1
37.39% 0 0 0 0 0
71.63% 1 1 1 1 1
8.92% 0 0 0 0 0
5.28 5 5 5 6 5
8.24 9 8 9 10 10
12.54 7 19 10 3 4
Not available Not available Not available Not available Not available Not available
2009 2010 2011 2012 2013 2014
9,814,412 11,746,417 13,323,888 15,493,638 17,908,150 23,274,720
6,650,048 6,982,550 8,029,933 9,033,675 10,027,379 10,027,379
1,074,408 1,404,326 2,058,319 2,759,942 3,551,297 7,288,754
2,089,956 3,359,541 3,235,636 3,700,021 4,329,474 5,958,587
396,911 679,695 457,678 1,069,020 1,005,093 615,610
115,290,455 146,383,899 186,768,828 257,873,852 310,811,388 413,619,938
1,249,210 1,767,370 2,282,045 3,058,503 3,614,718 5,619,826
8,593,425 5,829,296 9,235,960 18,461,347 11,375,498 15,465,418
100,331,448 131,067,996 170,030,431 230,425,986 289,810,519 380,421,569
5,116,372 7,719,237 5,220,392 5,928,016 6,010,653 12,113,125
125,501,778 158,810,011 200,550,394 274,436,510 329,724,631 437,510,268
8,387,522 12,780,951 16,641,160 19,125,401 28,582,626 29,728,764
5,262,341 9,957,757 2,348,076 3,851,150 3,554,234 5,501,077
34,486,875 10,511,855 4,065,406 500,000 7,442,732 90,766,297
24,370,190 50,519,386 98,488,574 152,459,855 151,613,933 114,089,252
44,238,200 57,846,309 75,698,616 94,402,267 133,474,709 183,285,548
3,649,163 4,318,323 4,647,792 5,000,028 4,840,756 6,912,000
2,528,544 3,851,146 5,321,135 5,724,191 5,851,841 7,573,606
41,709,656 53,995,163 70,377,481 88,678,076 127,622,868 175,711,942
2,437,228 3,095,897 3,985,248 4,898,240 5,594,914 8,273,239
8,847,966 17,949,002 4,644,449 4,923,788 5,313,324 13,439,697
Not available Not available Not available Not available Not available Not available
(Thousand Rupees)
2009 2010 2011
6,840,022 6,476,901 6,921,917 Not available Not available Not available
9,320,564 9,756,756 9,756,756
0 0 0
(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
(Thousand Rupees)
2009 2010 2011 Not available Not available Not available
5,511,880 6,206,372 7,501,898
4,619,535 5,707,268 6,515,987
0 0 0
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
(Thousand Rupees)
2009 2010 2011 Not available Not available Not available
2,847,576 3,000,780 3,132,302
3,203,140 3,393,743 3,594,610
0 0 0
(355,564) (392,963) (462,308)
0 0 0
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
0 0 0
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 0
(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)
1 1 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 1 1
1 1 2 2
0 0 0 0
2 2 2 2
0 0 0 0
0 0 0 0
0 0 0 0
1 1 1 1
1 1 1 1
1 1 1 1
0 0 0 0
0 0 0 0
0 0 0 0
1 0 1 0
0 0 0 0
1 1 1 1
0 0 0 0
6 6 8 9
9 10 11 11
10 3 5 3
(Thousand Rupees)
2015 2016 2017 2018
1,070,003,876 1,147,953,319 1,107,089,379 1,206,192,465
504,697,475 516,623,156 383,079,258 388,989,747
292,939,108 304,767,668 341,250,276 388,351,647
272,367,293 326,562,495 382,759,845 428,851,071
163,526,381 174,797,023 239,157,002 197,822,971
12,563,631,286 14,174,226,026 16,626,697,362 18,021,491,831
142,312,848 204,717,489 256,847,735 283,417,539
1,693,320,543 1,739,940,551 2,771,631,693 2,679,173,800
10,286,882,208 11,617,595,874 12,761,095,463 14,123,142,224
441,115,687 611,972,112 837,122,471 935,758,268
13,797,161,543 15,496,976,368 17,972,943,742 19,425,507,267
934,166,527 1,164,124,326 1,258,583,107 3,175,650,626
185,545,634 152,602,602 146,793,891 148,853,722
305,983,872 501,486,040 410,809,207 656,649,401
6,745,664,302 7,236,170,337 8,391,785,863 7,814,274,715
5,303,837,767 5,961,454,568 7,002,365,569 8,472,711,023
582,237,625 549,167,872 592,115,871 626,518,861
510,888,276 509,322,140 528,606,577 560,115,297
4,792,949,491 5,452,132,428 6,473,758,992 7,912,595,726
266,482,950 287,443,565 359,414,060 407,654,511
566,368,767 703,017,070 931,798,622 (690,171,434)
958,252,439 916,558,858 963,523,344 1,119,567,426
476,117,336 441,925,090 482,728,497 592,452,967
482,135,103 474,633,768 480,794,847 527,114,459
42,834,022 7,433,099 42,438,212 32,312,019
439,301,081 467,200,669 438,356,635 494,802,440
204,324,913 193,348,184 192,740,470 185,109,231
333,925,082 359,118,941 385,698,206 426,113,784
323,247,084 352,302,537 379,281,056 428,151,627
309,693,910 301,407,862 245,398,898 246,968,560
186,817,615 182,854,815 146,335,485 152,420,248
(Thousand Rupees)
2,015 2,016 2,017 2,018
159,079,900 170,682,162 187,725,392 215,395,969
59,722,900 60,069,872 71,455,664 71,455,664
50,651,993 51,801,712 58,144,685 62,668,151
48,705,007 58,810,578 58,125,043 81,272,154
65,459,045 69,059,063 52,587,087 60,697,960
2,258,853,562 2,687,813,953 3,397,189,425 3,689,258,241
11,955,779 16,075,035 19,127,334 15,852,695
124,270,867 123,048,536 518,119,628 524,249,717
2,022,529,790 2,400,283,229 2,593,096,942 2,928,601,512
100,097,126 148,407,153 266,845,521 220,554,317
2,483,392,507 2,927,555,178 3,637,501,904 3,965,352,170
188,801,515 213,147,318 222,601,598 314,576,741
33,260,335 28,478,792 38,824,697 24,795,749
19,796,602 149,137,449 58,347,396 147,261,789
1,182,262,782 1,318,047,650 1,806,547,409 1,716,471,734
1,038,292,384 1,176,910,346 1,365,587,088 1,663,644,424
191,667,055 183,358,667 183,689,513 194,535,678
152,178,618 155,762,653 173,105,360 187,159,289
886,113,766 1,021,147,693 1,192,481,728 1,476,485,135
41,580,057 43,834,115 44,250,775 66,781,655
131,577,450 153,762,161 274,448,301 218,979,367
(Thousand Rupees)
2015 2016 2017 2018
2,699,259 3,337,855 3,606,375 3,606,375
2,894,113 3,494,113 3,994,113 3,994,113
294,768 307,717 307,717 307,717
(489,622) (463,975) (695,455) (695,455)
133,905 142,667 126,336 126,336
18,513,458 15,040,042 21,096,220 21,096,220
103,166 214,155 530,291 530,291
2,832,357 743,909 3,903,832 3,903,832
15,163,440 13,708,791 16,259,737 16,259,737
414,495 373,187 402,360 402,360
21,346,622 18,520,564 24,828,931 24,828,931
1,066,852 1,081,532 1,438,429 1,438,429
170,453 112,042 62,606 62,606
- 100,000 - -
11,067,137 8,032,819 13,587,722 13,587,722
9,253,381 9,478,671 10,129,162 10,129,162
1,894,617 1,963,210 1,670,104 1,670,104
1,283,106 1,265,424 1,253,531 1,253,531
7,970,275 8,213,247 8,875,631 8,875,631
337,357 337,077 323,546 323,546
734,548 643,847 540,997 540,997
(Thousand Rupees)
2015 2016 2017 2018
116,011,433 120,014,623 125,692,679 146,882,410
21,275,131 21,275,131 21,275,131 21,275,131
45,580,712 46,800,341 50,356,895 53,274,402
49,155,590 51,939,151 54,060,653 72,332,877
52,340,042 56,718,153 49,689,402 59,986,125
1,538,009,908 1,832,122,164 2,329,938,887 2,591,697,653
9,171,616 10,187,250 13,195,054 9,944,178
21,911,190 44,863,930 360,105,674 392,739,396
1,431,036,598 1,657,312,093 1,727,102,019 2,011,385,201
75,890,504 119,758,891 229,536,140 177,628,878
1,706,361,383 2,008,854,940 2,505,320,968 2,798,566,188
150,899,778 160,172,561 160,089,619 247,518,270
20,128,273 13,828,477 26,403,906 12,202,020
7,694,516 121,709,399 26,916,113 106,391,667
829,245,898 897,130,749 1,295,719,550 1,284,319,388
691,852,112 781,475,768 856,937,772 1,059,480,147
127,280,000 119,416,000 120,798,000 133,360,000
113,729,952 114,086,313 117,165,789 133,473,143
578,122,160 667,389,455 739,771,983 926,007,004
31,057,977 32,016,837 32,210,079 53,859,883
89,212,781 116,607,462 224,209,718 168,267,956
(Thousand Rupees)
2015 2016 2017 2018
13,999,511 15,396,853 16,637,929 16,637,929
10,000,000 10,010,130 10,010,130 10,010,130
922,596 1,200,812 1,451,979 1,451,979
3,076,915 4,185,911 5,175,820 5,175,820
758,879 134,032 (570,121) (570,121)
113,483,725 130,824,488 188,414,668 188,414,668
288,681 714,212 905,423 905,423
27,160,697 8,910,738 50,971,174 50,971,174
84,076,644 119,022,240 134,207,056 134,207,056
1,957,703 2,177,298 2,331,015 2,331,015
128,242,115 146,355,373 204,482,476 204,482,476
5,097,608 7,500,675 9,679,582 9,679,582
1,936,079 791,478 3,023,451 3,023,451
- 6,938,610 5,331,327 5,331,327
70,394,245 71,539,737 114,259,902 114,259,902
46,708,032 55,979,573 69,112,166 69,112,166
290,280 1,569,380 5,462,160 5,462,160
2,538,943 4,146,391 4,398,825 4,398,825
44,169,089 51,833,182 64,713,341 64,713,341
1,826,519 1,759,192 1,593,876 1,593,876
4,818,575 5,992,499 5,880,997 5,880,997
(Thousand Rupees)
2015 2016 2017 2018
13,972,998 14,685,246 14,943,251 13,809,276
10,002,524 10,002,524 10,002,524 10,002,524
1,788,074 2,192,169 2,550,263 2,643,483
2,182,400 2,490,553 2,390,464 1,163,269
1,944,578 1,457,298 454,868 (2,104,692)
139,241,157 190,257,730 229,734,265 211,390,399
504,884 775,938 1,131,241 895,126
17,130,194 28,700,825 64,189,586 34,842,114
117,292,012 157,020,365 159,246,974 171,167,556
4,314,067 3,760,602 5,166,464 4,485,603
155,158,733 206,400,274 245,132,384 223,094,983
5,546,796 8,636,526 8,916,018 12,351,453
6,513,497 9,980,928 3,257,351 3,705,360
5,988,824 8,827,307 1,529,106 7,695,642
95,512,456 141,602,355 140,473,783 94,233,239
40,137,147 36,054,479 87,672,573 99,166,975
5,132,863 5,456,524 4,808,257 4,658,352
3,683,536 4,410,594 4,303,521 4,155,072
36,453,611 31,643,885 83,369,052 95,011,903
1,924,825 2,070,554 2,233,549 2,216,422
3,218,724 3,638,719 5,353,525 7,880,964
(Thousand Rupees)
2015 2016 2017 2018
12,396,699 17,247,585 26,845,158 34,459,979
15,551,132 15,287,974 26,173,766 26,173,766
2,065,843 1,300,673 3,477,831 4,990,570
(5,220,276) 658,938 (2,806,439) 3,295,643
10,281,641 10,606,913 2,886,602 3,260,312
449,605,314 519,569,529 628,005,385 676,659,301
1,887,432 4,183,480 3,365,325 3,577,677
55,236,429 39,829,134 38,949,362 41,793,201
374,961,096 453,219,740 556,281,156 595,581,962
17,520,357 22,337,175 29,409,542 35,706,461
472,283,654 547,424,027 657,737,145 714,379,592
26,190,481 35,756,024 42,477,950 43,589,007
4,512,033 3,765,867 6,077,383 5,802,312
6,113,262 11,562,133 24,570,850 27,843,153
176,043,046 199,741,990 242,506,452 210,071,483
250,341,712 293,921,855 341,735,415 425,755,974
57,069,295 54,953,553 50,950,992 49,385,062
30,943,081 31,853,931 45,983,694 43,878,718
219,398,631 262,067,924 295,751,721 381,877,256
6,433,379 7,650,455 7,889,725 8,787,928
33,592,822 26,879,634 38,463,064 36,408,453
(Thousand Rupees)
2015 2016 2017 2018
893,155,599 956,519,542 898,718,612 970,415,510
428,121,383 433,751,493 288,823,164 294,733,579
229,832,156 245,777,088 275,886,666 318,435,336
235,202,060 276,990,961 334,008,782 357,246,595
50,915,920 58,281,226 136,459,772 87,115,926
10,150,083,509 11,306,428,678 13,046,513,446 14,148,610,982
129,862,472 188,035,439 237,078,512 266,920,037
1,485,607,897 1,534,136,465 2,168,908,526 2,070,320,544
8,218,902,120 9,147,869,314 10,097,586,740 11,123,862,738
315,711,020 436,387,460 542,939,668 687,507,663
11,094,155,028 12,321,229,446 14,081,691,829 15,206,142,418
741,546,666 946,129,150 1,030,917,544 2,855,919,121
134,091,917 103,151,503 86,393,217 103,159,011
284,190,530 350,771,632 351,059,201 507,985,002
5,537,093,906 5,873,148,624 6,538,132,085 6,050,418,396
4,106,149,914 4,618,421,427 5,470,694,860 6,642,453,601
360,500,198 329,601,183 372,263,563 395,777,829
340,823,003 335,416,585 337,376,398 354,831,189
3,765,326,911 4,283,004,842 5,133,318,462 6,287,622,412
218,013,494 236,742,765 305,809,715 331,513,244
413,891,604 528,280,930 636,061,605 (930,474,768)
(Thousand Rupees)
2015 2016 2017 2018
6,959,238 10,984,841 10,590,487 10,351,871
8,935,200 13,106,862 13,106,862 13,106,862
159,348 159,348 159,348 159,348
(2,135,310) (2,281,369) (2,675,723) (2,914,339)
(686,001) 404,662 171,734 353,212
80,659,273 117,322,553 111,890,172 118,107,956
883,698 3,909,415 3,658,120 3,697,477
2,108,255 3,223,109 3,209,400 3,836,022
71,644,386 103,320,059 96,622,925 99,915,011
6,022,934 6,869,970 8,399,727 10,659,446
86,932,510 128,712,056 122,652,393 128,813,039
10,847,429 18,725,350 8,915,585 14,934,799
1,560,544 984,125 2,932,165 854,171
1,831,716 2,692,703 5,095,411 -
17,358,401 24,601,518 19,393,486 21,345,325
50,548,142 71,090,188 75,492,269 79,771,998
4,042,561 7,146,027 7,651,332 7,020,606
2,903,452 4,304,922 4,289,213 4,760,022
47,644,690 66,785,266 71,203,056 75,011,976
2,671,911 2,617,734 2,361,576 2,310,578
5,017,819 12,305,360 12,751,114 14,356,190
(Thousand Rupees)
2015 2016 2017 2018
67,968,647 74,474,468 78,643,302 84,227,659
11,450,739 11,450,739 11,450,739 11,450,739
15,102,026 16,533,485 17,980,116 20,276,515
41,415,882 46,490,244 49,212,447 52,500,405
21,287,810 26,199,360 28,073,051 23,077,174
902,409,055 968,271,920 1,142,949,305 1,243,301,270
4,942,189 9,848,795 7,835,467 7,752,959
137,959,818 126,368,875 223,556,383 225,882,986
734,596,166 805,110,834 883,740,709 984,475,183
24,910,882 26,943,416 27,816,746 25,190,142
991,665,512 1,068,945,748 1,249,665,658 1,350,606,103
56,711,573 73,203,717 85,367,385 99,188,414
4,077,598 679,923 648,765 2,575,055
3,356,091 10,512,752 8,694,399 53,785,679
544,349,490 589,864,548 698,082,066 671,228,285
340,769,406 348,346,063 388,751,651 453,868,259
21,903,729 20,431,609 18,051,749 16,064,641
19,164,266 18,783,872 16,713,937 15,549,365
321,605,140 329,562,191 372,037,714 438,318,894
28,062,325 31,765,903 46,867,935 50,378,537
33,503,295 33,356,714 37,967,394 35,131,239
(Thousand Rupees)
2015 2016 2017 2018
21,811,804 25,249,836 27,293,237 31,859,710
12,602,602 12,602,602 12,602,602 12,602,602
6,445,888 8,670,686 11,840,757 15,543,179
2,763,314 3,976,548 2,849,878 3,713,929
5,041,139 7,327,114 5,142,254 1,649,197
509,013,771 590,291,749 630,255,904 673,023,135
6,094,885 8,579,809 10,769,262 15,512,880
57,323,250 89,261,788 71,587,311 52,702,323
433,172,205 472,811,335 525,808,308 573,635,856
12,423,431 19,638,817 22,091,023 31,172,076
535,866,714 622,868,699 662,691,395 706,532,042
29,685,228 42,568,141 44,239,325 49,187,645
8,295,724 5,845,748 3,193,835 4,093,402
812,898 6,836,584 2,250,000 -
268,020,706 295,846,254 314,956,748 260,233,987
228,412,998 262,123,256 284,339,670 369,258,971
31,483,717 28,534,630 26,753,027 26,657,086
28,482,186 26,959,334 25,646,584 26,151,824
199,930,812 235,163,922 258,693,086 343,107,147
8,252,112 10,132,940 9,885,958 12,791,827
20,869,234 26,475,110 29,472,443 37,118,034
(Thousand Rupees)
2015 2016 2017 2018
31,697,833 35,672,945 40,408,589 46,283,478
11,114,254 11,114,254 11,114,254 11,114,254
10,329,659 11,899,426 12,981,379 14,757,530
10,253,920 12,659,265 16,312,956 20,411,694
6,158,825 6,840,799 5,467,293 3,268,202
602,116,556 725,504,673 898,257,898 998,687,323
8,665,462 13,872,057 19,663,349 20,603,682
62,592,299 93,717,345 133,499,876 119,038,358
516,213,178 584,171,954 692,576,176 796,900,525
14,645,617 33,743,317 52,518,497 62,144,758
639,973,214 768,018,417 944,133,780 1,048,239,003
38,577,738 50,600,041 60,096,155 74,432,172
3,185,669 2,866,455 4,691,917 7,989,939
3,992,794 - - -
356,649,003 405,027,569 476,125,054 414,605,406
215,702,258 269,267,267 347,465,571 485,944,757
5,874,374 5,715,466 5,288,599 5,235,392
8,413,650 7,827,169 7,632,660 7,730,179
207,288,608 261,440,098 339,832,911 478,214,578
15,704,852 18,776,218 22,482,946 26,183,149
14,574,550 29,308,036 40,904,797 46,813,759
(Thousand Rupees)
2015 2016 2017 2018
42,424,778 49,155,049 58,514,493 68,263,925
15,898,062 15,952,076 16,075,720 17,743,629
14,164,120 15,895,652 18,156,669 23,050,754
12,362,596 17,307,321 24,282,104 27,469,542
10,928,397 10,969,713 7,285,248 7,382,950
849,254,346 869,520,982 933,028,198 930,570,968
9,733,929 19,091,201 20,882,970 35,988,225
172,393,198 178,311,035 207,193,686 123,738,241
640,188,735 634,740,043 644,984,967 702,895,280
26,938,484 37,378,703 59,966,575 67,949,222
902,607,521 929,645,744 998,827,939 1,006,217,843
62,368,790 74,071,384 70,381,435 82,407,700
16,552,207 9,373,123 3,753,954 3,874,955
27,626,350 30,149,029 48,895,828 62,172,287
423,099,734 389,092,637 400,733,286 277,660,403
350,351,198 395,863,309 417,181,932 518,393,165
18,455,000 19,019,000 17,579,000 18,822,000
16,192,459 17,142,960 16,526,508 16,756,713
334,158,739 378,720,349 400,655,424 501,636,452
16,202,597 16,476,271 16,155,727 18,272,215
22,599,104 31,762,951 58,252,285 60,193,831
(Thousand Rupees)
2015 Not available Not available Not available
4,427,650
8,167,527
2,030
(3,741,907)
(38,720)
28,347,144
267,440
1,268,359
25,637,406
1,173,939
32,736,074
3,586,010
126,046
800,000
6,652,065
19,567,541
1,476,745
1,488,333
18,079,208
675,308
2,817,437
2,528,224
1,394,821
1,133,403
(30,179)
1,163,582
458,358
2,102,409
2,100,134
(480,469)
(399,604)
816,753
0.00
0.00
401,627
2,946,096
0.45
0.03
-0.09
-0.01
0.01
0.04
0.55
-4.37
0.70
4.58
-0.49
0.11
0.20
0.55
0.78
0.87
0.76
0.73
0.08
0.08
0.33
-0.02
1.01
0.14
0.67
5.42
5.79
-1.01
(Thousand Rupees)
2015 2016 2017 2018
7,962,751 12,046,524 15,054,436 17,570,841
6,976,030 10,225,567 11,652,288 11,652,288
233,586 404,694 725,101 1,226,954
753,135 1,416,263 2,677,047 4,691,599
12,916 60,811 (142,265) (820,667)
149,155,515 140,026,064 170,081,710 215,072,579
1,552,219 2,218,979 3,677,900 2,811,457
4,551,920 5,670,091 5,255,642 12,670,525
136,743,457 129,264,513 149,295,457 182,186,634
6,307,919 2,872,481 11,852,711 17,403,963
157,131,182 152,133,399 184,993,881 231,822,753
14,183,630 14,007,320 10,423,998 17,752,920
3,869,403 543,363 1,173,267 1,241,840
6,418,697 12,536,061 4,860,272 4,000,000
23,822,256 27,211,659 41,474,123 45,850,970
106,650,974 95,713,549 121,480,512 155,463,023
2,211,992 2,414,427 2,307,854 2,938,496
1,697,337 1,802,647 1,958,248 2,156,643
104,953,637 93,910,902 119,522,264 153,306,380
1,842,705 1,870,060 1,499,655 1,381,172
2,040,854 2,054,034 6,040,302 8,289,471
(Thousand Rupees)
2015 2016 2017 2018
26,058,692 29,090,229 33,633,227 38,404,848
11,997,601 11,997,601 13,197,361 15,176,965
6,422,761 7,158,248 7,936,338 8,778,908
7,638,330 9,934,380 12,499,528 14,448,975
4,293,781 5,917,426 5,613,243 5,093,667
399,720,387 417,014,646 455,687,412 556,415,668
6,009,238 6,655,919 8,761,334 23,543,525
90,565,242 52,806,084 54,788,547 98,351,921
292,130,258 339,632,770 371,624,155 409,383,802
11,015,649 17,919,873 20,513,376 25,136,420
430,072,860 452,022,301 494,933,882 599,914,183
26,084,007 37,239,302 37,861,767 43,173,993
1,068,451 1,139,375 1,872,771 1,847,595
250,000 5,000,000 9,010,335 2,997,486
195,515,642 170,209,104 179,728,189 214,185,591
205,624,023 229,825,518 255,827,227 320,258,309
30,328,854 30,036,000 27,321,076 26,687,638
24,534,219 24,994,521 24,295,067 23,813,448
181,089,804 204,830,997 231,532,160 296,444,861
9,439,875 10,504,822 11,443,528 11,612,007
16,625,081 23,098,701 23,485,132 29,652,650
(Thousand Rupees)
2015 2016 2017 2018
149,156,407 158,457,896 151,423,488 164,486,591
14,668,525 14,668,525 14,668,525 14,668,525
44,553,993 47,146,362 49,519,342 57,935,252
89,933,889 96,643,009 87,235,621 91,882,814
22,695,244 23,609,084 21,215,598 14,562,465
1,953,058,056 2,223,017,060 2,401,311,157 2,700,445,803
27,942,101 31,108,762 33,617,261 42,325,254
314,485,132 333,987,106 395,486,210 518,896,397
1,558,310,675 1,793,370,392 1,899,511,435 2,020,007,979
52,320,148 64,550,800 72,696,251 119,216,173
2,124,909,707 2,405,084,040 2,573,950,243 2,879,494,859
154,303,383 219,788,876 230,256,066 266,610,256
29,428,453 32,742,891 28,777,991 26,095,330
18,381,633 33,926,110 33,900,345 51,277,336
1,236,415,888 1,304,722,761 1,335,791,470 1,341,030,709
666,372,114 772,645,840 864,237,563 1,082,130,756
68,949,121 68,621,823 67,037,629 71,564,479
60,735,843 60,513,286 63,548,585 66,276,830
605,636,271 712,132,554 800,688,978 1,015,853,926
28,363,131 24,715,765 50,570,181 57,370,349
52,380,948 77,055,083 93,965,212 121,256,953
(Thousand Rupees)
2015 2016 2017 2018
33,119,958 37,165,329 39,556,557 42,575,612
10,478,315 10,478,315 10,478,315 10,478,315
12,710,010 13,933,875 15,035,676 16,267,793
9,931,633 12,753,139 14,042,566 15,829,504
3,707,846 2,505,121 941,698 (5,573,656)
453,051,304 486,935,967 620,167,516 636,393,825
6,344,461 8,108,633 19,643,603 12,173,407
31,462,822 37,205,175 64,038,646 51,347,381
403,354,957 430,888,036 508,103,951 543,577,510
11,889,064 10,734,123 28,381,316 29,295,527
489,879,108 526,606,417 660,665,771 673,395,781
30,645,728 35,561,885 42,281,977 48,177,009
13,806,513 2,259,974 1,100,929 1,115,557
14,444,641 16,750,886 10,914,805 11,984,795
281,134,589 314,619,011 396,636,990 346,665,904
150,076,425 159,893,152 190,745,709 243,250,307
18,486,982 19,873,142 18,519,849 17,679,907
17,429,586 16,931,049 16,426,423 16,560,690
132,646,839 142,962,103 174,319,286 226,689,617
3,124,779 3,055,866 3,131,575 3,899,579
14,076,019 11,396,692 32,280,209 34,863,320
(Thousand Rupees)
2015 2016 2017 2018
13,567,150 15,426,705 16,179,050 16,652,615
10,724,643 10,119,242 10,119,242 10,119,242
313,415 1,334,122 1,540,988 1,712,171
2,529,092 3,973,341 4,518,820 4,821,202
2,400,753 1,222,820 490,279 (1,035,589)
202,507,760 250,794,369 374,809,920 441,137,050
1,609,425 2,544,028 3,824,278 3,519,924
54,638,318 10,320,047 64,557,043 96,558,663
141,840,487 226,098,931 290,077,566 321,413,263
4,419,530 11,831,363 16,351,033 19,645,200
218,475,663 267,443,894 391,479,249 456,754,076
11,159,432 15,508,968 17,333,788 32,110,840
583,724 752,710 1,034,266 968,575
3,581,329 11,334,414 3,116,199 1,937,347
116,029,825 133,726,610 169,611,558 148,689,974
79,389,361 96,453,475 186,878,895 255,147,213
2,982,825 3,327,942 3,257,997 8,309,467
2,723,181 2,659,341 2,739,313 3,156,295
76,666,180 93,794,134 184,139,582 251,990,918
2,805,591 4,044,154 5,135,309 6,245,328
7,649,582 8,282,904 11,108,547 14,811,094
(Thousand Rupees)
2015 2016 2017 2018
10,014,614 10,094,531 9,832,379 9,937,242
10,000,000 10,000,000 10,000,000 11,200,000
10,461 26,444 26,444 26,444
4,153 68,087 (194,065) (1,289,202)
(31,862) 171,342 (201,600) 132,272
16,904,789 18,298,320 42,115,218 84,824,921
89,864 447,776 314,210 1,303,992
631,520 2,785,650 7,926,790 7,800,628
9,450,072 14,279,436 32,690,808 73,307,185
6,733,333 785,458 1,183,410 2,413,116
26,887,541 28,564,193 51,745,997 94,894,435
698,123 1,509,804 3,390,753 6,990,369
6,347,459 2,750,998 2,703,251 1,422,701
- - 1,400,000 4,675,000
5,995,470 5,769,675 9,186,213 12,713,954
12,569,208 16,130,187 31,314,623 62,922,064
- - - -
95,411 1,274 1,219 14,860
12,473,797 16,128,913 31,313,404 62,907,204
1,192,382 1,728,933 2,136,975 2,619,980
180,310 675,870 1,615,401 3,565,227
(Thousand Rupees)
2015 2016 2017 2018
25,556,784 28,149,073 34,338,420 40,378,938
10,027,379 10,027,379 10,629,022 11,691,924
8,587,363 9,699,685 13,368,809 15,161,249
6,942,042 8,422,009 10,340,589 13,525,765
790,326 2,324,545 738,973 (45,883)
505,502,824 631,581,836 753,730,607 897,582,350
6,560,324 13,756,970 17,175,035 23,750,543
13,609,551 32,005,501 36,813,295 36,407,811
471,820,959 559,397,881 667,180,865 785,476,944
13,511,990 26,421,484 32,561,412 51,947,052
531,849,934 662,055,454 788,808,000 937,915,405
43,685,636 56,036,849 64,556,170 65,022,041
11,175,060 12,021,351 4,895,816 8,255,187
101,079,476 129,115,165 147,229,221 184,814,600
146,304,897 130,156,297 119,238,246 123,742,867
215,775,663 319,616,864 428,833,530 522,263,763
7,064,000 6,847,000 6,606,000 6,985,000
8,206,840 8,086,594 8,804,442 9,699,241
207,568,823 311,530,270 420,029,088 512,564,522
8,056,743 8,053,136 11,362,868 13,129,126
13,979,299 15,142,386 21,496,591 30,387,062
(Thousand Rupees)
2015 2016 Not available Not available
62,830,889 64,252,369
103,028,512 103,028,512
997,582 1,281,655
(41,195,205) (40,057,798)
(45,690,757) (45,447,560)
226,356,380 225,140,059
2,576,216 2,634,398
85,676,741 117,174,817
130,444,894 97,072,367
7,658,529 8,258,477
243,496,512 243,944,868
10,052,543 8,766,811
1,645,086 777,302
1,599,044 3,243,130
95,743,449 124,489,098
135,028,024 111,112,873
1,528,487 1,513,550
24,359,030 23,806,945
110,668,994 87,305,928
3,086,446 2,796,052
20,700,950 16,566,547
14,737,305 15,413,031
10,095,234 11,011,697
4,642,071 4,401,334
205,145 166,037
4,436,926 4,235,297
5,998,587 2,864,397
6,408,905 6,107,161
6,172,262 6,176,449
4,026,608 992,533
2,617,293 1,420,364
10,302,851 10,302,851
0.00 0.00
0.00 0.00
39,972,497 21,087,754
75,260,429 106,690,871
0.32 0.29
0.02 0.02
0.04 0.02
0.01 0.01
0.02 0.01
0.02 0.02
0.69 0.71
1.53 6.22
0.31 0.33
1.03 2.16
0.25 0.14
0.05 0.04
0.39 0.51
0.45 0.36
0.54 0.40
0.93 0.92
1.04 1.14
0.62 0.52
0.01 0.01
0.18 0.21
0.02 0.02
0.01 0.01
15.94 15.73
0.26 0.26
1.20 1.66
6.10 6.24
2.08 1.51
15.27 14.85
(Thousand Rupees)
2015 2016 2017 2018
11,197,586 11,742,188 12,481,041 13,163,770
10,082,387 10,082,387 10,082,387 10,082,387
298,760 407,680 555,451 691,997
816,439 1,252,121 1,843,203 2,389,386
646,633 577,336 227,153 (380,015)
68,322,117 90,780,211 105,515,314 109,980,832
492,159 915,076 686,692 877,017
27,325,753 35,847,072 46,201,468 39,780,603
38,844,291 50,306,804 54,901,464 65,225,052
1,659,914 3,711,259 3,725,690 4,098,160
80,166,336 103,099,735 118,223,508 122,764,587
3,258,421 4,723,664 3,887,745 5,154,790
1,071,112 816,421 127,386 493,174
2,000,000 5,277,254 5,192,950 9,449,244
44,726,421 57,237,456 62,918,102 48,021,370
26,259,641 30,987,952 42,502,560 55,891,780
1,973,975 2,372,926 2,335,748 2,392,000
2,072,603 2,197,972 2,320,787 2,299,525
24,187,038 28,789,980 40,181,773 53,592,255
1,323,670 1,290,007 1,113,248 1,064,563
3,599,674 4,964,953 4,802,304 4,989,191
(Thousand Rupees)
2015 2016 2017 2018
66,843,317 66,568,833 13,128,623 14,454,954
77,998,099 77,998,099 23,431,374 23,431,374
180,134 327,845 554,903 820,890
(11,334,916) (11,757,111) (10,857,654) (9,797,310)
(52,266,655) (54,514,245) 52,723 (68,207)
118,526,209 122,979,234 153,673,186 159,290,039
2,413,342 3,996,044 3,192,981 2,866,568
33,230,182 30,195,702 35,582,000 18,051,854
81,097,581 86,787,423 110,277,807 132,664,084
1,785,104 2,000,065 4,620,398 5,707,533
133,102,871 135,033,822 166,854,532 173,676,786
7,343,670 7,370,962 8,413,176 8,871,567
194,065 87,748 218,420 309,994
6,260,444 706,572 8,620,649 12,612,156
35,512,864 37,488,482 38,266,735 28,924,993
67,045,340 69,312,185 90,137,784 103,566,168
8,520,000 5,820,000 5,820,000 6,675,000
5,971,133 4,509,557 4,287,069 5,212,166
61,074,207 64,802,628 85,850,715 98,354,002
4,496,648 4,101,219 4,176,746 3,981,271
18,220,973 20,476,211 21,308,091 20,622,803
(Thousand Rupees)
2015 2016 2017 2018
16,337,318 14,841,725 14,872,229 13,676,500
11,024,636 11,024,636 11,024,636 11,024,636
1,049,465 1,423,829 1,752,494 2,109,227
4,263,217 2,393,260 2,095,099 542,637
1,854,624 3,447,502 3,632,370 4,312,374
235,149,887 263,515,862 306,714,696 364,508,914
2,751,084 4,163,509 4,895,447 3,993,525
39,875,623 38,905,078 64,584,236 81,962,917
185,222,383 209,893,582 227,304,100 262,378,761
7,300,797 10,553,693 9,930,913 16,173,711
253,341,829 281,805,089 325,219,295 382,497,788
16,718,428 18,278,840 19,431,256 26,019,679
1,634,544 822,689 1,151,015 1,179,612
3,306,244 5,521,875 6,502,687 3,921,270
108,633,807 117,883,960 117,428,516 146,645,533
120,616,960 133,753,036 172,772,430 194,831,205
11,584,107 10,419,420 10,244,669 11,357,132
8,615,208 8,447,271 8,479,515 8,356,022
112,001,752 125,305,765 164,292,915 186,475,183
4,956,732 4,936,122 6,464,678 6,238,673
6,090,322 9,055,838 9,948,228 12,017,838
(Thousand Rupees)
2015 2016 2017 2018
55,016,165 56,871,970 57,335,131 61,709,698
38,715,850 38,715,850 38,715,850 38,715,850
10,847,005 12,770,562 14,419,594 16,667,466
5,453,310 5,385,558 4,199,687 6,326,382
6,934,290 4,410,323 5,601,565 5,528,671
385,397,336 413,469,926 456,895,452 508,842,967
11,401,191 10,821,793 18,958,345 16,943,627
21,784,451 14,400,841 26,029,816 24,023,697
327,237,527 365,562,094 377,576,064 424,898,936
24,974,167 22,685,198 34,331,227 42,976,707
447,347,791 474,752,219 519,832,148 576,081,336
29,482,134 40,729,979 35,085,289 50,293,497
4,300,002 5,699,791 779,856 2,344,297
20,450,620 19,798,390 8,067,665 6,465,508
231,837,351 245,850,227 272,487,815 279,065,904
130,370,154 133,631,337 157,259,073 187,162,249
24,018,416 - 19,587,098 17,402,702
21,516,718 19,680,570 19,624,561 17,618,487
108,853,436 113,950,767 137,634,512 169,543,762
5,963,952 5,773,296 8,033,890 7,837,979
46,460,296 42,949,769 57,743,121 60,530,389
(Thousand Rupees)
2015 2016 2017 2018
10,799,082 10,559,950 9,539,583 9,539,583
10,779,796 17,786,663 26,381,510 26,381,510
7,440,485 2,288,488 (6,306,359) (6,306,359)
(7,421,199) (9,515,201) (10,535,568) (10,535,568)
1,158,584 2,112,002 1,494,942 1,494,942
176,462,755 202,350,396 222,015,411 222,015,411
2,728,797 5,061,470 3,065,379 3,065,379
49,755,998 49,819,840 67,307,766 67,307,766
119,854,302 142,871,229 145,729,707 145,729,707
4,123,658 4,597,857 5,912,559 5,912,559
188,420,421 215,022,348 233,049,936 233,049,936
10,539,906 12,786,616 13,556,723 13,556,723
2,919,244 2,582,531 2,440,333 2,440,333
1,000,000 1,631,583 10,671,003 10,671,003
78,192,065 90,575,032 95,231,064 95,231,064
83,098,916 94,255,433 99,531,320 99,531,320
17,183,005 16,719,020 17,065,580 17,065,580
12,544,846 14,411,701 14,009,450 14,009,450
70,554,070 79,843,732 85,521,870 85,521,870
9,321,873 12,272,884 12,664,584 12,664,584
15,893,263 15,329,970 12,964,359 12,964,359
(Thousand Rupees)
2015 2016 2017 2018
105,867,061 116,942,573 127,001,081 134,682,882
12,241,798 12,241,798 12,241,798 12,241,798
38,402,303 40,454,505 43,846,877 54,439,238
55,222,960 64,246,270 70,912,406 68,001,846
36,268,414 34,844,288 32,305,966 16,587,066
1,258,515,368 1,448,845,529 1,873,626,887 1,738,329,198
13,391,739 24,519,507 29,847,743 27,249,136
163,131,947 201,549,619 512,650,465 268,124,033
1,051,235,170 1,167,123,963 1,272,787,824 1,366,060,048
30,756,512 55,652,440 58,340,855 76,895,981
1,400,650,843 1,600,632,390 2,032,933,934 1,889,599,146
112,011,276 131,506,861 157,582,687 1,834,567,358
16,859,118 14,920,994 19,516,198 23,345,698
24,094,768 25,710,707 10,867,531 33,941,546
719,518,093 806,531,246 1,091,786,626 786,375,326
497,031,910 550,636,310 670,055,700 776,272,341
46,833,232 44,566,984 52,246,691 68,561,721
41,618,030 40,525,386 42,696,864 60,335,610
455,413,880 510,110,924 627,358,836 715,936,731
30,641,032 33,579,026 45,208,373 45,799,099
42,112,676 78,272,632 80,613,683 (1,550,366,612)
(Thousand Rupees)
2015 2016 2017 2018
17,768,377 20,751,615 20,645,375 20,380,986
16,853,192 22,801,791 22,800,430 22,800,504
12,454,959 7,188,868 7,218,925 7,248,160
(11,539,774) (9,239,044) (9,373,980) (9,667,678)
47,151,416 47,456,734 50,110,143 50,009,085
154,694,215 179,983,395 182,994,491 183,622,608
494,597 607,015 641,889 644,807
83,441,779 82,755,550 84,603,539 84,603,539
45,450,298 69,443,331 70,411,781 70,677,974
25,307,541 27,177,499 27,337,282 27,696,288
219,614,008 248,191,744 253,750,009 254,012,679
3,818,346 4,847,858 5,063,965 5,154,764
18,193,382 20,972,307 21,575,977 20,898,962
1,996,740 1,576,959 1,402,610 1,402,610
26,307,614 44,974,063 47,106,369 47,384,585
159,395,469 166,122,795 166,083,621 166,612,998
30,070,372 36,208,022 36,162,795 36,205,354
17,886,655 18,142,902 18,124,819 18,124,819
141,508,814 147,979,893 147,958,802 148,488,179
6,889,399 6,866,685 9,353,570 9,359,612
20,899,713 20,973,979 21,288,716 21,323,967
(Thousand Rupees)
2015 2016 2017 2018
(26,281,768) (26,102,344) (25,916,289) (25,916,289)
1 1 - -
- - - -
(26,281,769) (26,102,345) (25,916,289) (25,916,289)
43,917 76,967 68,084 68,084
30,346,348 30,104,331 30,123,511 30,123,511
7,107 3,534 3,520 3,520
23,409,994 23,409,994 23,409,994 23,409,994
165,002 157,339 139,477 139,477
6,764,245 6,533,464 6,570,520 6,570,520
4,108,497 4,078,954 4,275,306 4,275,306
45,299 38,503 22,467 22,467
7,338 8,080 7,631 7,631
1,111,740 1,131,959 1,402,610 1,402,610
489,703 460,986 443,102 443,102
5,890,949 5,785,114 5,786,744 5,786,744
5,881,104 5,776,630 5,776,999 5,776,999
5,881,104 5,776,630 5,776,999 5,776,999
9,845 8,484 9,745 9,745
49,268 49,187 49,184 49,184
2,395,304 2,381,755 2,340,567 2,340,567
- - - -
- - - -
- - - -
(1,017,313) (211,853) (187,160) (187,160)
132,383 136,765 95,803 95,803
(Thousand Rupees)
2015 2016 2017 2018
302,827 8,328 (406,365) (406,365)
2,392,507 2,392,507 2,392,507 2,392,507
206,526 206,526 206,526 206,526
(2,296,206) (2,590,705) (3,005,398) (3,005,398)
53,489 12,320 (27,980) (27,980)
8,260,210 9,357,567 11,429,439 11,429,439
114,107 95,443 92,554 92,554
2,888,685 3,460,326 5,308,315 5,308,315
4,770,201 5,228,716 5,343,655 5,343,655
487,217 573,082 684,915 684,915
8,616,526 9,378,215 10,995,094 10,995,094
390,011 560,802 435,791 435,791
1,739 4,226 11,321 11,321
885,000 445,000 - -
4,117,491 4,869,535 6,911,314 6,911,314
8,011,882 8,028,712 7,744,049 7,744,049
5,517,582 5,418,812 5,396,984 5,396,984
5,260,172 5,256,992 5,238,540 5,238,540
2,751,710 2,771,720 2,505,509 2,505,509
119,002 101,141 63,122 63,122
351,573 625,791 1,068,037 1,068,037
705,267 615,070 649,278 649,278
436,280 441,204 520,408 520,408
268,987 173,866 128,870 128,870
(62,867) (64,266) (16,807) (16,807)
331,854 238,132 145,677 145,677
47,934 47,270 24,738 24,738
654,358 742,220 891,422 891,422
645,250 740,332 840,252 840,252
(274,570) (456,818) (721,007) (721,007)
(282,157) (199,242) (294,022) (294,022)
(Thousand Rupees)
2015 2016 2017 2018
6,863,289 6,989,035 7,111,433 6,847,044
1,938,243 7,886,842 7,885,482 7,885,556
6,603,774 682,816 712,873 742,108
(1,678,728) (1,580,623) (1,486,922) (1,780,620)
4,726,591 4,783,944 7,486,536 7,385,478
7,724,985 7,400,612 8,320,656 8,948,773
27,324 14,807 52,584 55,502
- - - -
4,567,142 4,186,617 5,057,990 5,324,183
3,130,519 3,199,188 3,210,082 3,569,088
19,314,865 19,173,591 22,918,625 23,181,295
866,698 770,803 1,127,957 1,218,756
1,775,794 885,556 1,482,580 805,565
- - - -
1,934,771 2,525,001 2,633,412 2,911,628
10,800,592 11,040,810 11,284,669 11,814,046
2,147,218 2,270,105 2,246,337 2,288,896
1,606,077 1,606,271 1,606,271 1,606,271
9,194,515 9,434,539 9,678,398 10,207,775
4,619,964 4,645,212 7,170,119 7,176,161
923,123 912,480 826,159 861,410
(Thousand Rupees)
2015 2016 2017 2018
36,884,029 39,856,596 39,856,596 39,856,596
12,522,441 12,522,441 12,522,441 12,522,441
5,644,659 6,299,526 6,299,526 6,299,526
18,716,929 21,034,629 21,034,629 21,034,629
42,327,419 42,583,503 42,583,503 42,583,503
108,362,672 133,120,885 133,120,885 133,120,885
346,059 493,231 493,231 493,231
57,143,100 55,885,230 55,885,230 55,885,230
35,947,953 59,870,659 59,870,659 59,870,659
14,925,560 16,871,765 16,871,765 16,871,765
187,574,120 215,560,984 215,560,984 215,560,984
2,516,338 3,477,750 3,477,750 3,477,750
16,408,511 20,074,445 20,074,445 20,074,445
- - - -
19,765,649 37,118,541 37,118,541 37,118,541
134,692,046 141,268,159 141,268,159 141,268,159
16,524,468 22,742,475 22,742,475 22,742,475
5,139,302 5,503,009 5,503,009 5,503,009
129,552,744 135,765,150 135,765,150 135,765,150
2,101,165 2,071,145 2,071,145 2,071,145
17,229,713 17,053,953 17,053,953 17,053,953
(Thousand Rupees)
2015 2016 2017 2018
26,899,289 27,545,399 42,717,688 55,849,888
18,117,430 17,989,455 29,935,296 43,532,211
164,791 168,704 163,039 161,543
8,617,068 9,387,240 12,619,353 12,156,134
184,000 25,599 (248,871) (611,577)
233,751,840 365,211,279 524,623,905 604,106,340
2,982,070 6,444,711 7,394,470 6,825,088
108,506,332 188,782,820 320,014,727 373,037,276
105,892,088 147,092,366 169,160,637 192,689,060
16,371,350 22,891,382 28,054,071 31,554,916
260,835,129 392,782,277 567,092,722 659,344,651
19,995,516 22,378,445 36,654,151 54,443,354
2,030,938 5,424,146 3,362,099 5,062,933
19,296,920 40,652,680 169,574,507 242,277,899
173,356,139 276,804,547 293,127,110 249,859,445
40,716,541 35,555,281 43,541,169 74,002,195
3,167,184 2,963,262 2,895,154 2,840,145
3,178,373 2,970,555 2,986,081 3,077,997
37,538,168 32,584,726 40,555,088 70,924,198
1,506,651 1,560,563 1,617,875 1,533,601
7,110,797 13,377,170 22,201,892 35,243,221
(Thousand Rupees)
Not available Not available 2017 2018
5,520,860 6,943,095
5,520,860 6,943,095
- -
- -
(211,200) (478,310)
721,492 8,299,459
- -
- -
- 7,227,913
721,492 1,071,546
6,031,152 14,764,244
5,521,360 7,238,142
285,720 10,726
- 276,244
- 6,569,934
- 133,900
- -
- -
- 133,900
195,879 232,280
28,193 303,018
- 369,276
- 345,662
- 23,614
- -
- 23,614
(17,522) 12,969
193,678 561,245
193,678 561,245
(211,200) (524,662)
(211,200) (267,110)
482,099 6,686,824
739,274 13,864,479
- 0.06
0.00 0.00
-0.04 -0.04
-0.04 -0.02
0.00 0.00
0.00 0.00
- 0.94
-0.92 -1.07
-11.05 1.47
-11.05 43.28
0.96 0.49
0.00 0.45
0.00 0.01
0.00 0.49
0.12 0.56
- 0.02
- 0.02
- 0.00
- 0.00
0.00 0.00
- -
- -
0.92 0.47
0.13 2.00
0.00 1.04
-2.28 -25.03
(Thousand Rupees)
2015 2016 2017 2018
5,899,894 5,537,870 6,952,864 7,596,820
3,667,658 3,544,827 4,238,906 5,091,000
- - - -
2,232,236 1,993,043 2,713,958 2,505,820
- - - -
15,214,089 18,955,701 27,346,693 27,794,406
942,655 2,976,253 932,787 1,314,231
11,113 27,509 15,755 2,871,553
11,977,105 14,092,145 23,212,445 20,100,376
2,283,216 1,859,794 3,185,706 3,508,246
21,113,983 24,493,571 34,299,557 35,391,226
5,539,927 4,993,782 5,995,920 6,961,709
951,925 136,459 396,881 220,159
6,422,104 14,630,311 19,707,230 19,150,856
- - - -
6,667,252 3,318,334 5,813,996 6,354,270
96,511 96,511 96,511 96,511
107,483 103,590 104,718 104,509
6,559,769 3,214,744 5,709,278 6,249,761
324,115 291,553 271,894 214,924
1,316,143 1,226,722 2,218,354 2,593,817
(Thousand Rupees)
2010 2011 2012 2013 2014 2015 2016 2017
7,396,027 7,636,742 8,026,943 8,264,839 8,617,541 9,063,615 9,366,881 9,292,618
6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000
279,204 327,714 415,746 483,592 553,966 673,449 794,107 840,066
1,116,823 1,309,028 1,611,197 1,781,247 2,063,575 2,390,166 2,572,774 2,452,552
38,418 92,121 170,767 175,891 176,037 129,863 83,078 (37,286)
3,036,164 4,117,244 7,539,704 8,840,956 9,950,638 14,027,799 9,148,512 8,430,333
0 0 0 0 0 0 0 0
2,863,481 3,695,484 6,721,178 8,489,171 9,221,225 11,652,435 6,549,981 6,370,738
0 260,000 545,080 25,080 386,060 1,890,502 2,079,728 1,814,001
172,683 161,760 273,446 326,705 343,353 484,862 518,803 245,594
10,470,609 11,846,107 15,737,414 17,281,686 18,744,216 23,221,277 18,598,471 17,685,665
10,552 9,143 43,999 27,829 33,303 46,114 64,205 37,870
352,808 20,675 106,586 158,417 261,059 215,426 432,783 91,727
600,000 0 0 0 0 0 0 970,000
7,160,982 8,974,337 10,841,572 12,745,355 14,114,870 18,807,372 11,842,973 11,044,299
2,178,571 2,592,810 4,530,491 4,224,263 4,463,459 4,410,476 6,282,232 5,507,178
75,141 393,141 741,447 889,443 1,330,507 1,300,078 1,168,338 958,250
75,141 117,654 205,154 546,057 871,281 907,528 857,881 854,246
2,103,430 2,475,156 4,325,337 3,678,206 3,592,178 3,502,948 5,424,351 4,652,932
44,762 48,060 56,047 196,201 210,352 191,311 176,982 198,003
198,075 318,736 363,873 475,678 532,454 458,106 657,177 690,834
(Thousand Rupees)
2010 2011 2012 2013 2014 2015 2016 2017
7,391,552 7,996,016 8,578,415 8,265,411 9,052,895 9,781,586 10,490,617 10,657,968
6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000
278,311 399,204 555,884 697,026 878,000 1,065,388 1,257,721 1,351,812
1,113,241 1,596,812 2,022,531 1,568,385 2,174,895 2,716,198 3,232,896 3,306,156
(48,993) (68,113) 1,118 (38,746) 150,679 (40,121) (62,060) (201,744)
7,026,052 24,617,113 5,466,904 27,268,667 23,795,533 19,470,183 23,962,040 19,413,049
0 0 0 0 0 0 0 0
5,943,385 23,359,531 2,417,139 26,391,995 18,089,905 14,543,592 20,492,898 13,976,083
844,000 979,018 2,824,924 567,070 5,164,230 4,218,289 2,913,487 4,751,164
238,667 278,564 224,841 309,602 541,398 708,302 555,655 685,802
14,368,611 32,545,016 14,046,437 35,495,332 32,999,107 29,211,648 34,390,597 29,869,273
30,803 174,790 54,763 96,317 123,153 102,304 322,004 137,609
129,969 562,085 317,222 235,581 173,645 487,887 1,936,970 74,549
1,222,727 627,841 0 0 0 0 498,065 2,420,909
9,868,363 25,742,364 7,100,816 27,416,962 24,192,538 16,765,721 16,657,665 7,678,634
2,475,172 4,667,373 5,782,035 6,804,887 7,396,146 10,400,053 14,232,032 19,056,899
6,736 2,992 2,638 2,537 2,537 311,707 451,407 953,997
7,529 20,712 2,638 2,868 2,864 156,373 236,090 289,074
2,467,643 4,646,661 5,779,397 6,802,019 7,393,282 10,243,680 13,995,942 18,767,825
21,013 34,067 60,329 54,142 37,204 49,584 25,160 19,732
628,093 757,208 733,910 890,311 1,079,285 1,562,472 954,791 770,015
(Thousand Rupees)
2010 2011 2012 2013 2014 2015 2016 2017
7,885,555 11,058,455 11,729,364 12,290,172 12,761,949 13,385,443 14,000,932 14,668,324
6,457,200 9,116,400 9,116,400 9,116,400 9,116,400 9,116,400 9,116,400 9,116,400
285,671 388,411 523,051 635,213 729,568 854,267 977,365 1,110,843
1,142,684 1,553,644 2,089,913 2,538,559 2,915,981 3,414,776 3,907,167 4,441,081
2,591,648 766 36,300 22,778 185,913 175,763 125,152 246
1,156,757 119,094 4,207,176 417,559 7,059,711 6,988,210 8,392,156 9,752,396
0 0 0 0 0 0 0 0
1,132,259 106,874 4,139,032 326,090 6,741,689 6,903,226 8,196,455 9,576,860
0 0 0 0 250,000 0 0 0
24,498 12,220 68,144 91,469 68,022 84,984 195,701 175,536
11,633,960 11,178,315 15,972,840 12,730,509 20,007,573 20,549,416 22,518,240 24,420,966
1,399,836 1,491,717 92,588 41,540 51,867 116,865 2,080,940 26,530
8,736 23,227 1,686,035 1,883,525 1,882,251 2,033,472 3,086,523 2,168,945
1,264,140 583,954 934,033 559,025 0 0 2,647,918 0
3,099,787 4,077,544 8,020,871 4,283,208 11,288,944 12,091,247 7,734,253 13,848,109
5,557,525 4,901,692 5,072,065 5,848,689 6,554,094 6,353,733 6,545,526 8,373,636
0 377,756 682,500 682,500 762,499 652,789 383,164 313,164
248,632 464,032 481,977 519,684 597,190 645,999 505,706 473,644
5,308,893 4,437,660 4,590,088 5,329,005 5,956,904 5,707,734 6,039,820 7,899,992
180,566 176,177 219,539 218,912 199,423 183,466 177,302 174,362
372,002 388,036 429,686 415,294 628,184 416,632 751,484 303,028
(Thousand Rupees)
2010 2011 2012 2013 2014 2015 2016 2017
11,502,905 12,503,432 13,776,602 15,679,940 18,512,041 19,726,808 22,822,320 24,128,148
6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000 6,000,000
2,992,287 3,114,865 3,285,976 3,553,438 5,200,005 5,748,570 6,876,320 7,431,389
2,510,618 3,388,567 4,490,626 6,126,502 7,312,036 7,978,238 9,946,000 10,696,759
239,868 84,687 564,597 589,165 1,103,639 889,086 1,865,000 679,262
13,280,158 11,342,439 16,463,849 6,022,192 5,018,493 7,751,093 4,254,092 4,321,754
0 0 0 0 0 0 0 0
9,807,369 9,161,654 14,839,975 5,042,353 3,557,518 6,246,955 2,661,764 2,562,007
3,138,512 1,726,601 1,015,429 349,680 397,790 179,750 3,650 2,500
334,277 454,184 608,445 630,159 1,063,185 1,324,388 1,588,678 1,757,247
25,022,931 23,930,558 30,805,048 22,291,297 24,634,173 28,366,987 28,941,412 29,129,164
51,424 442,766 32,650 30,795 53,667 63,957 61,995 61,148
1,409,688 24,653 712,976 27,561 20,335 20,718 16,691 18,730
250,000 0 0 5,824,062 28,000 0 2,632,880 2,476,726
17,521,580 15,966,871 24,203,303 11,886,802 20,901,562 22,142,622 21,206,169 22,922,841
6,389,805 8,131,825 6,879,143 5,506,256 4,362,535 6,618,230 5,860,141 4,319,273
1,648,540 1,723,232 1,771,283 1,992,396 1,695,364 1,621,319 1,546,078 1,197,298
1,420,615 1,577,790 1,636,742 1,733,766 1,564,607 1,504,586 1,437,645 1,152,703
4,969,190 6,554,035 5,242,401 3,772,490 2,797,928 5,113,644 4,422,496 3,166,570
260,736 282,125 252,233 203,854 188,609 169,034 201,875 196,533
560,313 660,108 361,485 545,733 644,072 857,012 399,306 286,616
(Thousand Rupees)
2010 2011 2012 2013 2014 2015 2016 2017
6,650,877 6,586,986 3,152,360 3,332,668 3,568,845 3,873,949 4,669,164 4,712,650
6,141,780 6,141,780 6,141,780 6,141,780 6,141,780 6,141,780 6,141,780 6,141,780
474,801 474,801 0 36,319 82,855 143,860 302,094 311,650
34,296 (29,595) (2,989,420) (2,845,431) (2,655,790) (2,411,691) (1,774,710) (1,740,780)
(191,250) (229,759) (8,351) (12,750) 17,842 20,794 92,251 (157,735)
9,915,845 8,526,649 10,321,598 8,800,819 8,849,498 11,379,536 14,134,026 14,608,015
0 0 0 0 0 0 0 0
4,983,790 4,537,471 5,880,572 5,615,747 6,097,465 9,441,099 13,391,904 14,367,132
4,657,690 3,652,844 4,088,500 2,809,423 2,470,607 1,737,389 463,117 39,000
274,365 336,334 352,526 375,649 281,426 201,048 279,005 201,883
16,375,472 14,883,876 13,465,607 12,120,737 12,436,185 15,274,279 18,895,441 19,162,930
76,513 42,643 63,387 51,848 68,845 65,712 20,420 28,328
36,324 41,177 38,636 193,258 64,144 30,481 72,705 83,494
1,482,414 200,000 0 350,000 0 320,000 950,000 4,000,000
6,286,676 6,187,323 7,706,331 6,356,193 7,703,305 10,922,328 13,183,821 9,700,440
8,430,312 8,003,538 7,558,084 7,028,521 6,269,304 5,810,534 4,355,087 5,137,036
1,122,912 1,566,090 3,307,968 3,246,848 3,244,836 3,229,136 1,637,100 1,980,900
1,019,531 964,425 2,717,073 2,675,540 2,561,390 2,572,123 1,517,564 1,543,952
7,410,781 7,039,113 4,841,011 4,352,981 3,707,914 3,238,411 2,837,523 3,593,084
96,089 68,568 97,945 86,956 87,907 69,960 87,697 80,458
986,675 1,305,052 718,297 729,501 804,070 627,387 1,743,275 1,677,126
(Thousand Rupees)
2010 2011 2012 2013 2014 2015 2016 2017
6,793,844 6,931,824 7,173,742 7,278,533 7,418,725 7,770,203 8,106,752 8,059,817
6,150,000 6,150,000 6,150,000 6,150,000 6,150,000 6,150,000 6,150,000 6,150,000
492,568 485,312 570,983 646,091 722,810 843,304 984,427 1,071,761
151,276 296,512 452,759 482,442 545,915 776,899 972,325 838,056
(31,697) (56,048) 38,511 (63,291) 293,446 394,883 354,446 63,540
12,430,977 11,963,268 11,406,124 10,535,409 15,653,452 19,029,543 31,345,157 56,546,033
0 0 0 0 0 0 0 0
6,145,349 6,648,716 6,546,367 5,721,831 8,868,730 14,479,440 25,150,898 44,607,690
5,561,165 4,695,693 4,351,000 4,433,848 6,295,986 4,009,860 5,342,975 10,501,149
724,463 618,859 508,757 379,730 488,736 540,243 851,284 1,437,194
19,193,124 18,839,044 18,618,377 17,750,651 23,365,623 27,194,629 39,806,355 64,669,390
70,420 66,679 101,974 78,034 99,912 93,725 88,884 172,121
664,169 209,531 159,980 227,034 269,173 1,586,956 1,670,921 2,010,079
2,467,467 1,321,745 833,119 1,206,521 614,177 362,824 935,826 2,038,288
9,129,453 10,632,874 10,296,148 7,652,050 12,179,521 14,073,356 20,831,182 40,240,634
7,052,670 6,739,785 7,280,873 8,432,557 9,964,228 10,907,725 15,900,129 19,663,753
1,221,006 1,199,078 1,182,906 1,132,366 1,037,908 1,193,866 1,218,843 964,378
1,107,629 974,224 933,814 938,867 893,914 914,462 1,065,278 875,260
5,945,041 5,765,561 6,347,059 7,493,690 9,070,314 9,993,263 14,834,851 18,788,493
74,901 68,276 61,298 52,642 68,669 82,316 85,263 81,901
841,673 774,378 818,799 1,040,680 1,063,857 1,002,189 1,359,428 1,337,874
11,565,528
6,764,810
4,800,718
595,784
4,204,934
4,984,585
3,060,357
2,905,180
6,129,161
4,201,927
4,001,058
N/A
N/A
5,631,281
26,679,063
0.42
0.02
0.05
0.02
0.02
0.02
0.58
0.47
0.18
0.58
1.05
0.02
0.55
0.32
0.05
0.60
6.59
0.62
0.12
0.09
0.11
0.08
0.78
0.39
0.31
21.19
0.14
1.34
(Thousand Rupees)
2018
9,181,391
6,000,000
840,066
2,341,325
(71,701)
9,415,747
0
7,915,859
1,221,724
278,164
18,525,437
73,144
60,653
105,000
11,259,928
7,195,696
1,712,086
971,770
6,223,926
193,242
609,544
907,417
472,607
434,810
257,163
177,647
101,236
267,425
267,421
11,458
(10,231)
600,000
0.00
0.00
519,893
80,000
0.48
0.02
0.00
0.00
0.01
0.01
0.52
23.34
0.27
2.64
-0.02
0.01
0.61
0.34
0.07
0.51
5.89
0.79
0.24
0.14
0.19
0.26
0.57
0.50
0.01
15.30
0.13
-50.82
(Thousand Rupees)
2018
10,633,697
6,000,000
1,406,995
3,226,702
(673,212)
38,832,642
0
36,890,373
725,403
1,216,866
48,793,127
161,339
46,355
0
26,116,936
20,639,421
592,529
309,684
20,329,737
16,450
2,122,310
2,506,962
1,787,629
719,333
96,393
622,940
221,870
341,311
330,373
503,499
275,914
600,000
0.00
0.00
18,540,404
2,230,267
0.29
0.01
0.03
0.01
0.00
0.01
0.71
0.66
0.13
1.49
0.46
0.00
0.54
0.42
0.01
0.80
28.45
0.55
0.03
0.02
0.06
0.31
0.52
0.22
0.21
17.72
0.07
67.20
(Thousand Rupees)
2018
15,278,259
9,116,400
1,232,830
4,929,029
83,041
4,400,934
0
4,180,683
0
220,251
19,762,234
62,586
1,553,209
0
9,976,199
8,163,493
397,439
543,305
7,620,188
187,585
362,467
1,244,514
162,160
1,082,354
225,577
856,777
441,476
386,494
386,374
911,758
618,820
911,640
0.00
0.00
(4,735,499)
831,328
0.87
0.05
0.04
0.03
0.02
0.04
0.13
0.42
0.23
0.88
0.68
0.08
0.50
0.39
0.00
0.22
-
1.95
0.05
0.07
0.03
0.42
1.37
0.77
0.05
16.76
0.00
-7.65
(Thousand Rupees)
2018
26,382,006
6,000,000
8,193,002
12,189,004
167,303
3,427,917
0
1,371,474
35,000
2,021,443
29,977,226
60,901
9,690
1,071,204
25,815,300
3,770,041
1,113,743
1,071,860
2,698,181
217,382
104,568
928,003
66,290
861,713
298,767
562,946
3,534,453
582,116
511,810
3,515,283
2,768,420
240
0.00
0.00
1,234,477
150,000
0.93
0.03
0.10
0.09
0.12
0.02
0.07
0.15
0.13
0.14
11535.08
0.00
0.86
0.09
0.00
0.11
107.72
2.68
0.30
0.28
0.04
0.28
0.96
0.88
0.01
109925.03
0.00
0.45
(Thousand Rupees)
2018
4,383,660
6,141,780
311,650
(2,069,770)
(215,171)
16,259,548
0
15,352,993
643,575
262,980
20,428,037
22,985
54,665
1,950,000
11,832,050
5,873,295
1,591,672
1,522,985
4,350,310
62,361
2,155,666
1,428,129
1,168,533
259,596
127,220
132,376
78,389
471,407
429,461
(260,642)
(322,959)
614,178
0.00
0.00
4,988,077
1,280,909
0.18
0.01
-0.07
-0.02
0.00
0.01
0.82
-1.65
0.31
5.48
-0.53
0.00
0.58
0.21
0.03
0.80
9.13
0.37
0.27
0.26
0.36
0.08
0.96
0.21
0.29
7.14
0.15
-15.44
(Thousand Rupees)
2018
8,103,513
6,150,000
1,164,643
788,870
39,425
49,967,534
0
39,961,645
9,010,490
995,399
58,110,472
122,604
2,275,589
5,434,296
28,433,357
21,061,394
711,233
580,692
20,480,702
96,169
1,267,755
3,550,116
2,710,409
839,707
(332,101)
1,171,808
161,564
584,028
552,165
749,344
464,410
615,000
0.00
0.00
(10,063,973)
19,695,692
0.24
0.01
0.06
0.01
0.00
0.02
0.76
0.74
0.16
3.42
0.76
0.04
0.49
0.35
0.16
0.86
2.34
0.43
0.03
0.03
0.09
-0.57
0.82
0.14
2.43
13.18
1.11
-21.67
(Thousand Rupees)
2018
10,810,168
6,600,000
1,366,864
2,843,304
1,838,548
6,541,869
0
5,771,338
7,500
763,031
19,190,585
54,652
326,583
2,818,407
4,159,040
10,028,182
3,109,538
2,162,853
7,865,329
3,117,420
849,154
1,000,387
397,182
603,205
(77,235)
680,440
445,597
427,576
427,576
698,461
407,553
660,000
0.00
0.00
(4,852,098)
2,410,867
0.60
0.03
0.04
0.02
0.02
0.04
0.40
0.61
0.30
0.96
0.62
0.02
0.22
0.41
0.00
0.34
1337.09
1.74
0.31
0.22
0.29
-0.04
0.70
0.56
0.22
16.38
0.00
-11.91
All Microfinance Banks - Overall
Items 2011 2012 2013 2014 2015
A.Total equity (A1 to A3) 7,730,242 11,103,669 14,904,978 18,079,359 23,893,485
1.Share capital 8,128,478 11,198,478 14,460,458 16,323,080 19,889,988
2.Reserves 695,597 853,998 1,086,785 1,513,220 2,093,205
3.Un appropriated profit (1,093,833) (948,807) (642,265) 243,059 1,910,292
4.Others 139,099 (359,829) (2,118,380) (3,130,498) (4,800,615)
B.Total liabilities(B1 to B4) 23,336,647 33,958,469 45,228,787 54,856,247 78,882,571
1.Bills payable 70,864 70,068 58,169 125,342 79,230
2.Borrowings from financial institutions 8,206,039 7,848,419 8,000,678 8,664,284 10,893,373
3.Deposits and other accounts 13,927,279 23,153,800 33,581,490 42,730,482 63,084,832
4.Other/misc. liabilities 1,132,465 2,886,182 3,588,450 3,336,139 4,825,136
C.Total assets (C1 to C4 + C8 to C10) 31,205,989 44,702,309 58,015,386 69,805,108 97,975,441
1.Cash and balances with treasury banks 1,258,586 1,925,914 2,908,717 3,464,599 4,700,656
2.Balances with other banks 5,760,120 6,640,086 7,217,115 6,502,405 10,562,456
3.Lending to financial institutions 1,837,790 1,035,762 1,518,118 1,150,351 3,675,981
4.Investments 4,807,021 10,956,306 12,655,954 14,565,967 13,520,656
5.Gross advances 14,675,415 20,039,163 28,316,645 36,892,137 55,351,880
6.Advances-non-performing/classified 231,687 213,511 284,021 444,029 894,820
7.Provision against advances 397,722 240,149 272,650 380,440 652,421
8.Advances net of provision (C5-C7) 14,277,693 19,799,014 28,043,995 36,511,697 54,699,459
9.Fixed assets 1,100,024 1,533,778 1,914,457 2,526,436 3,557,475
10.Other/misc. assets 2,164,755 2,811,449 3,757,030 5,083,653 7,258,758
D.Profit & loss account
1.Markup/interest earned 4,672,635 6,372,001 8,849,209 11,612,712 15,164,038
2.Markup/interest expensed 1,574,430 2,299,555 3,065,137 3,446,738 4,050,260
3.Net markup/interest income 3,098,205 4,072,446 5,784,071 8,165,974 11,113,778
4.Provisions and write-offs 322,638 459,681 427,890 526,450 764,028
5.Net markup/interest income after provisions 2,775,567 3,612,764 5,356,183 7,639,524 10,349,750
6.Non-markup/interest income 1,177,240 1,766,391 2,368,991 4,285,093 4,364,967
7.Non-markup/interest expenses 3,885,891 4,966,319 6,639,437 9,908,871 11,260,825
8.Administrative expenses 3,834,020 4,921,992 6,417,572 8,674,769 11,085,219
9.Profit/(loss) before taxation 67,062 410,687 1,085,738 2,015,767 3,453,890
10.Profit/(loss) after taxation 24,805 342,430 690,450 1,600,899 2,654,184
E.Other items
1.No. of ordinary shares (000) 812,847 1,119,847 1,446,045 1,632,307 1,988,998
2.Cash dividend N/A N/A N/A N/A N/A
3.Stock dividend/bonus shares N/A N/A N/A N/A N/A
4.Cash generated from operating activities (1,893,180) 5,083,948 3,451,222 1,161,828 3,820,707
5.Commitments and contigencies 277,178 529,532 394,917 132,388 65,963
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 0.66 0.64 0.65 0.70 0.73
2.Net markup/interest margin (D1-D2)/C 0.10 0.09 0.10 0.12 0.11
3.Return on equity (ROE) (D10/A) 0.00 0.03 0.05 0.09 0.11
4.Return on assets (ROA) (D10/C) 0.00 0.01 0.01 0.02 0.03
5.Non-markup/interest income to total assets (D6/C) 0.04 0.04 0.04 0.06 0.04
6.Net markup/interest income(after prov.) to total asset 0.09 0.08 0.09 0.11 0.11
7.Markup/interest expense to markup/interest income 0.34 0.36 0.35 0.30 0.27
8.Admin. expense to profit before tax. (D8/D9) (times) 57.17 11.98 5.91 4.30 3.21
9.Non-markup/interest expense to total income D7/(D1 0.66 0.61 0.59 0.62 0.58
10.Admin. expense to non-markup/interest income (D8/ 3.26 2.79 2.71 2.02 2.54
11.Earning per share (D10/E1) 0.03 0.31 0.48 0.98 1.33
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.22 0.19 0.17 0.14 0.16
2.Investment to total assets (C4/C) 0.15 0.25 0.22 0.21 0.14
3.Advances net of provisions to total assets (C8/C) 0.46 0.44 0.48 0.52 0.56
4.Deposits to total assets (B3/C) 0.45 0.52 0.58 0.61 0.64
5.Total liabilities to total assets (B/C) 0.75 0.76 0.78 0.79 0.81
6.Gross advances to deposits (C5/B3) 1.05 0.87 0.84 0.86 0.88
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.66 0.65 0.68 0.72 0.75
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.02 0.01 0.01 0.01 0.02
2.Provisions against NPLs to gross advances (C7/C5) 0.03 0.01 0.01 0.01 0.01
3.NPLs to shareholders equity (C6/A) 0.03 0.02 0.02 0.02 0.04
4.NPLs write off to NPLs provisions (D4/C7) 0.81 1.91 1.57 1.38 1.17
5.Provision against NPL to NPLs (C7/C6) 1.72 1.12 0.96 0.86 0.73
I.Capital /leverage ratios
1.Capital ratio (A/C) 0.25 0.25 0.26 0.26 0.24
2.Commitments & contingencies to total equity (E5/A) (t 0.04 0.05 0.03 0.01 0.00
3.Break up value per share (A/E1) 9.51 9.92 10.31 11.08 12.01
4.Total deposit to total equity (B3/A) (times) 1.80 2.09 2.25 2.36 2.64
J.Cash flow ratio
1.Cash generated from opration activities to profit after -76.32 14.85 5.00 0.73 1.44
KHUSHHALIBANK LIMITED
Items 2011 2012 2013 2014 2015
A.Total equity (A1 to A3) 2,337,033 2,471,915 2,749,253 3,285,364 3,934,189
1.Share capital 1,705,000 1,705,000 1,705,000 1,705,000 1,705,001
2.Reserves 227,556 241,145 305,399 446,042 610,874
3.Un appropriated profit 404,477 525,770 738,854 1,134,322 1,618,314
4.Others 28,746 17,113 9,626 764 17,301
B.Total liabilities(B1 to B4) 5,855,701 7,464,588 10,530,778 13,406,306 22,744,856
1.Bills payable 31,406 27,758 24,296 63,102 42,081
2.Borrowings from financial institutions 3,957,627 3,009,836 2,746,106 3,729,877 5,890,397
3.Deposits and other accounts 1,677,012 4,040,647 7,132,919 8,682,473 15,583,727
4.Other/misc. liabilities 189,656 386,347 627,457 930,854 1,228,651
C.Total assets (C1 to C4 + C8 to C10) 8,221,480 9,953,616 13,289,657 16,692,434 26,696,346
1.Cash and balances with treasury banks 232,404 482,696 617,892 701,036 1,001,222
2.Balances with other banks 817,281 792,784 311,548 353,301 944,009
3.Lending to financial institutions 1,138,029 590,015 942,371 417,604 2,383,353
4.Investments 944,757 1,043,516 1,038,901 836,886 1,847,825
5.Gross advances 4,273,802 5,805,575 8,859,405 12,238,252 17,466,883
6.Advances-non-performing/classified 104,294 63,788 69,651 136,018 428,587
7.Provision against advances 106,689 88,544 102,510 132,413 220,352
8.Advances net of provision (C5-C7) 4,167,113 5,717,031 8,756,895 12,105,839 17,246,531
9.Fixed assets 201,173 312,592 275,184 322,920 548,979
10.Other/misc. assets 720,723 1,014,982 1,346,866 1,954,848 2,724,427
D.Profit & loss account
1.Markup/interest earned 1,308,322 1,499,355 2,278,273 3,129,490 4,406,622
2.Markup/interest expensed 285,788 353,449 615,348 809,557 1,219,287
3.Net markup/interest income 1,022,534 1,145,906 1,662,925 2,319,933 3,187,335
4.Provisions and write-offs 173,765 284,731 169,123 157,687 279,100
5.Net markup/interest income after provisions 848,769 861,175 1,493,802 2,162,246 2,908,235
6.Non-markup/interest income 376,275 585,324 583,894 694,697 716,439
7.Non-markup/interest expenses 1,128,930 1,326,714 1,539,744 1,914,533 2,442,693
8.Administrative expenses 1,119,949 1,320,130 1,522,834 1,889,932 2,315,284
9.Profit/(loss) before taxation 96,260 119,785 537,952 942,410 1,181,982
10.Profit/(loss) after taxation 151,564 167,940 363,198 703,212 824,165
E.Other items
1.No. of ordinary shares (000) 170,500 170,500 170,500 170,500 170,500
2.Cash dividend 0.00 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00 0.00
4.Cash generated from operating activities (42,143) 903,134 298,527 (1,422,417) 2,035,233
5.Commitments and contigencies 11,566 49,231 52,673 32,720 49,205
F.Efficiency ratios/profitability ratios
1.Spread (D3/D1) 0.78 0.76 0.73 0.74 0.72
2.Net markup/interest margin (D1-D2)/C 0.12 0.12 0.13 0.14 0.12
3.Return on equity (ROE) (D10/A) 0.06 0.07 0.13 0.21 0.21
4.Return on assets (ROA) (D10/C) 0.02 0.02 0.03 0.04 0.03
5.Non-markup/interest income to total assets (D6/C) 0.05 0.06 0.04 0.04 0.03
6.Net markup/interest income(after prov.) to total asset 0.10 0.09 0.11 0.13 0.11
7.Markup/interest expense to markup/interest income 0.22 0.24 0.27 0.26 0.28
8.Admin. expense to profit before tax. (D8/D9) (times) 11.63 11.02 2.83 2.01 1.96
9.Non-markup/interest expense to total income D7/(D1 0.67 0.64 0.54 0.50 0.48
10.Admin. expense to non-markup/interest income (D8/ 2.98 2.26 2.61 2.72 3.23
11.Earning per share (D10/E1) 0.89 0.98 2.13 4.12 4.83
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C 0.13 0.13 0.07 0.06 0.07
2.Investment to total assets (C4/C) 0.11 0.10 0.08 0.05 0.07
3.Advances net of provisions to total assets (C8/C) 0.51 0.57 0.66 0.73 0.65
4.Deposits to total assets (B3/C) 0.20 0.41 0.54 0.52 0.58
5.Total liabilities to total assets (B/C) 0.71 0.75 0.79 0.80 0.85
6.Gross advances to deposits (C5/B3) 2.55 1.44 1.24 1.41 1.12
7.Gross advances to borrowing & deposit C5/(B2+B3) 0.76 0.82 0.90 0.99 0.81
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5) 0.02 0.01 0.01 0.01 0.02
2.Provisions against NPLs to gross advances (C7/C5) 0.03 0.02 0.01 0.01 0.01
3.NPLs to shareholders equity (C6/A) 0.04 0.03 0.03 0.04 0.11
4.NPLs write off to NPLs provisions (D4/C7) 1.63 3.22 1.65 1.19 1.27
5.Provision against NPL to NPLs (C7/C6) 1.02 1.39 1.47 0.97 0.51
I.Capital /leverage ratios
1.Capital ratio (A/C) 0.28 0.25 0.21 0.20 0.15
2.Commitments & contingencies to total equity (E5/A) (t 0.00 0.02 0.02 0.01 0.01
3.Break up value per share (A/E1) 13.71 14.50 16.12 19.27 23.07
4.Total deposit to total equity (B3/A) (times) 0.72 1.63 2.59 2.64 3.96
J.Cash flow ratio
1.Cash generated from opration activities to profit after -0.28 5.38 0.82 -2.02 2.47
(Thousand Rupees)
2016 2017 2018
437,757 624,542 510,334
974,000 1,290,163 1,290,163
0 0 0
(536,243) (665,621) (779,829)
177,418 5,617 1,149
69,281 372,942 785,118
0 0 0
0 0 100,000
21,469 301,626 552,311
47,812 71,316 132,807
684,456 1,003,101 1,296,601
12,248 187,332 101,999
307,173 134,834 28,247
0 0 0
59,117 0 0
212,109 567,783 998,490
5,577 12,419 28,394
4,511 9,166 20,460
207,598 558,617 978,030
57,375 56,399 97,995
40,945 65,919 90,330
(Thousand Rupees)
2016 2017 2018
1,244,270 1,464,759 1,515,358
2,200,000 2,500,000 2,500,000
1,279 1,279 11,932
(957,009) (1,036,520) (996,574)
(537,071) (444,346) (41,612)
12,846,804 12,963,177 16,149,301
0 0 0
204,002 202,285 9,369
12,347,071 12,528,727 15,866,331
295,731 232,165 273,601
13,554,003 13,983,590 17,623,047
1,028,052 1,202,270 1,585,616
4,280,247 4,048,779 2,910,831
0 0 0
605,409 658,483 884,469
6,397,188 5,983,811 10,087,136
1,484,012 1,315,627 1,309,014
913,163 757,264 921,396
5,484,025 5,226,547 9,165,740
821,090 881,491 857,383
1,335,180 1,966,020 2,219,008
(Thousand Rupees)
2016 2017 2018
6,458,395 7,267,668 7,968,028
6,348,887 6,348,887 6,348,887
195,022 365,982 557,278
(85,514) 552,799 1,061,863
(4,025,842) (3,984,436) (3,935,640)
13,185,412 21,858,654 28,247,372
14,625 81,872 61,356
1,350,002 1,668,982 3,318,501
11,069,656 19,183,926 23,741,812
751,129 923,874 1,125,703
15,617,965 25,141,886 32,279,760
809,675 976,429 1,639,249
1,248,485 1,556,695 2,489,462
0 0 0
1,885,329 5,209,160 3,827,477
10,209,128 15,110,644 20,868,935
114,977 224,155 392,188
126,864 247,303 288,406
10,082,264 14,863,341 20,580,529
920,847 1,220,666 1,748,345
671,365 1,315,595 1,994,698
(Thousand Rupees)
2016 2017 2018
4,937,238 6,354,266 8,198,502
1,705,001 1,705,001 1,705,000
865,421 1,225,534 1,717,290
2,366,816 3,423,731 4,776,212
(141) 1,509 948
28,836,382 52,605,428 62,272,502
78,396 0 0
6,199,882 4,782,681 2,964,872
21,179,403 45,746,861 56,017,988
1,378,701 2,075,886 3,289,642
33,773,479 58,961,203 70,471,952
1,300,650 1,664,251 1,792,737
1,387,702 2,399,132 7,498,358
1,544,066 474,532 1,837,749
2,967,965 16,297,590 8,915,710
23,308,981 32,813,744 44,095,601
422,134 381,553 627,831
369,450 597,752 721,299
22,939,531 32,215,992 43,374,302
719,730 1,141,596 1,353,528
2,913,835 4,768,110 5,699,568
(Thousand Rupees)
2016 2017 2018
1,218,956 3,062,142 3,835,587
1,451,754 2,713,597 2,713,597
46,152 168,570 332,174
(278,950) 179,975 789,816
11,538 42,493 128,227
13,003,363 17,476,241 24,150,880
0 0 0
0 0 0
10,306,362 14,943,057 22,091,486
2,697,001 2,533,184 2,059,394
14,233,857 20,580,876 28,114,694
747,930 1,071,464 2,134,916
4,742,891 3,047,343 5,162,381
0 0 0
1,495,053 4,527,807 5,408,582
5,933,962 10,002,318 12,713,805
2,323 31,232 161,859
75,138 182,972 285,428
5,858,824 9,819,346 12,428,377
388,448 462,744 729,542
1,000,711 1,652,172 2,250,896
(Thousand Rupees)
2016 2017 2018
3,106,336 3,869,522 4,417,174
1,498,372 1,498,372 1,498,372
357,739 522,034 640,217
1,250,225 1,849,116 2,278,585
97,393 144,388 190,583
23,248,698 29,575,599 33,742,828
0 0 0
4,677,175 3,293,888 4,531,800
16,922,084 23,671,820 26,263,175
1,649,439 2,609,891 2,947,853
26,452,427 33,589,509 38,350,585
1,199,469 1,642,950 1,120,908
4,067,413 5,223,370 3,699,044
0 0 2,522,202
6,109,061 2,696,483 3,458,697
13,271,040 20,934,194 23,777,633
48,060 69,041 646,269
144,309 228,385 466,511
13,126,731 20,705,809 23,311,122
353,177 533,617 1,008,607
1,596,576 2,787,280 3,230,005
(Thousand Rupees)
2016 2017 2018
776,290 796,929 833,108
750,000 750,000 750,000
5,535 9,880 17,496
20,755 37,049 65,612
1,384 2,470 4,374
3,019 4,507 165,971
0 0 0
0 0 76,523
1,139 1,373 77,769
1,880 3,134 11,679
780,693 803,906 1,003,453
517 1,005 13,416
581,438 423,921 255,910
100,000 0 0
0 0 100,000
69,351 341,807 589,666
0 0 2,405
694 3,418 6,564
68,657 338,389 583,102
7,400 9,013 14,345
22,681 31,578 36,680
(Thousand Rupees)
2016 2017 2018
4,577,575 4,981,530 13,614,984
1,346,939 1,346,939 3,547,269
1,286,756 1,405,571 10,412,953
1,943,880 2,229,020 (345,238)
8,334 24,265 53,445
31,717,737 42,482,072 48,797,547
0 0 0
0 0 0
27,829,780 36,664,927 42,274,909
3,887,957 5,817,145 6,522,638
36,303,646 47,487,867 62,465,976
3,116,926 3,497,633 4,210,306
2,558,937 4,310,776 3,864,399
323,215 3,368,059 5,473,364
11,568,227 6,767,309 9,008,445
15,945,318 25,002,513 34,187,550
95,774 256,738 1,401,873
110,070 240,860 1,242,731
15,835,248 24,761,653 32,944,819
1,041,611 1,729,560 3,001,351
1,859,482 3,052,877 3,963,292
(Thousand Rupees)
2016 2017 2018
3,151,958 3,792,879 4,884,044
2,730,811 2,730,811 2,730,811
189,569 326,723 675,629
231,578 735,345 1,477,604
678,546 712,670 619,283
13,047,727 21,435,139 32,121,953
0 0 0
297,820 0 0
12,237,466 20,887,192 31,129,077
512,441 547,947 992,876
16,878,231 25,940,688 37,625,280
840,523 1,204,886 2,186,701
2,111,977 2,638,550 6,036,912
0 0 0
4,627,558 5,934,139 2,807,140
8,273,926 14,554,966 23,857,102
58,873 95,284 214,267
90,698 160,298 302,658
8,183,228 14,394,668 23,554,444
496,359 724,983 1,187,584
618,586 1,043,462 1,852,499
(Thousand Rupees)
2016 2017 2018
1,147,117 1,404,742 2,789,517
1,285,714 1,285,714 2,285,714
22,137 86,879 178,915
(160,734) 32,149 324,888
(24,653) (25,742) 18,986
9,469,250 16,251,887 31,983,074
17,649 54,322 80,298
1,000,000 3,069,487 6,010,000
8,109,924 11,971,358 20,534,770
341,677 1,156,720 5,358,006
10,591,714 17,630,887 34,791,577
470,734 772,154 1,457,387
2,391,207 2,586,898 11,027,311
0 0 0
1,130,131 1,786,375 1,967,824
5,576,802 10,648,713 17,225,244
25,633 48,443 217,926
48,381 94,355 205,406
5,528,421 10,554,358 17,019,838
303,027 465,355 754,500
768,194 1,465,747 2,564,717
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
98,919 106,787 121,025 134,156 148,150 168,034 189,070
107,444 107,444 107,444 107,444 107,444 107,444 107,444
9,639 17,989 19,562 25,036 27,835 31,812 36,019
(18,164) (18,646) (5,981) 1,676 12,871 28,778 45,607
0 0 0 0 0 0 0
12,376 66,003 84,940 54,692 64,426 97,721 164,818
0 37,179 43,611 21,929 25,182 44,613 109,809
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 37,179 43,611 21,929 25,182 44,613 109,809
12,376 28,824 41,329 32,763 39,244 53,108 55,009
111,295 172,790 205,965 188,848 212,576 265,755 353,888
85,088 149,334 169,956 111,574 113,317 196,882 153,513
0 0 0 0 0 0 0
54,928 117,755 139,366 89,785 86,541 175,277 131,593
30,160 31,579 30,590 21,789 26,776 21,605 21,920
26,207 23,456 36,009 77,274 99,259 68,873 200,375
19 22 16 22 13 19 735
517 297 193 522 235 245 0
0 0 0 0 0 0 0
10,115 9,548 9,531 9,531 9,291 0 9,291
10,651 9,867 9,740 10,075 9,539 264 10,026
15,556 13,589 26,269 67,199 89,720 68,609 190,349
323 14 11 0 0 0 0
15,358 21,886 36,234 34,828 34,038 51,260 52,507
15,681 21,900 36,245 34,828 34,038 51,260 52,507
0 0 0 0 0 0 0
1,012 122 5,275 651 1,352 1,381 0
16,693 22,022 41,520 35,479 35,390 52,641 52,507
5,911 6,428 7,470 8,462 8,904 9,294 12,166
12,175 12,410 24,839 20,762 21,231 32,309 31,819
41,749 7,868 14,238 13,130 13,994 19,884 21,036
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 Not available
705,192 711,556 740,748 766,079 816,223 851,776
500,000 500,000 500,000 500,000 500,000 500,000
106,407 108,699 113,871 119,137 129,277 136,628
98,785 102,857 126,877 146,942 186,946 215,148
(17,939) - 0 0 0 806
215,889 461,215 512,176 530,165 393,980 295,913
88,612 294,069 296,885 253,245 166,278 128,691
0 150,000 100,000 50,000 0 0
86,935 140,958 194,204 197,039 151,716 128,691
1,677 3,111 2,681 6,206 14,562 0
127,277 167,146 215,291 276,920 227,702 167,222
903,142 1,172,771 1,252,924 1,296,244 1,210,203 1,148,495
592,851 609,094 781,119 774,600 605,279 468,491
394,831 598,367 763,608 757,389 586,736 432,824
9,374 9,346 7,256 8,056 6,000 10,100
188,646 1,381 10,255 9,155 12,543 25,567
310,291 563,677 471,805 521,644 604,924 680,004
318 75 94 95 51 45
7,044 4,092 2,921 1,053 48,514 211,224
51,152 30,407 25,567 24,376 2,263 3,069
0 - 0 0 0 0
58,514 34,574 28,582 25,524 50,828 214,338
251,777 529,103 443,223 496,120 554,096 465,666
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
75,433 72,872 75,927 75,140 75,248 74,626 73,768
215,000 215,000 215,000 215,000 215,000 215,000 215,000
58,625 58,625 59,236 59,236 59,256 59,256 59,257
(198,192) (200,753) (198,309) (199,096) (199,008) (199,630) (200,489)
76,108 0 0 0 0 0 0
310,943 170,509 138,826 148,693 159,213 173,407 194,717
281,847 164,033 132,029 140,927 23,860 28,253 40,446
62,378 12,383 0 0 0 0 0
219,469 151,650 128,029 125,927 22,667 26,883 39,022
0 0 4,000 15,000 1,193 1,370 1,424
29,096 6,476 6,797 7,766 135,353 145,154 154,271
462,484 243,381 214,753 223,833 234,461 248,033 268,485
448,392 237,999 202,838 219,993 45,732 56,976 80,584
431,552 236,718 199,978 217,617 43,913 54,320 78,572
16,493 1,046 2,595 2,111 1,756 2,126 1,732
347 235 265 265 63 530 280
14,092 5,382 11,915 3,840 188,729 191,057 187,901
39 33 25 13 17 14 869
11,151 3,578 9,955 1,846 11,449 4,231 2,160
0 0 0 0 0 0 0
2,101 0 0 0 0 0 0
13,291 3,611 9,980 1,859 11,466 4,245 3,029
801 1,771 1,935 1,981 177,263 186,812 184,872
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
2,160,686 2,362,628 2,588,659 2,982,820 3,437,020 4,176,712 4,466,445
820,529 820,529 820,529 820,529 820,529 820,828 820,828
1,340,157 1,542,099 1,768,130 2,162,291 2,616,491 1,709,738 1,746,175
0 0 0 0 0 1,646,146 1,899,442
87,013 85,046 83,077 81,109 112,009 0 0
19,554,519 19,580,495 20,455,693 21,384,785 24,768,618 22,723,381 21,629,162
11,093,605 10,591,161 13,080,075 12,205,291 15,786,074 12,773,058 11,522,921
2,172,519 1,938,187 913,950 280,307 4,707,563 6,147,989 6,707,294
4,308,266 3,585,740 3,823,978 4,484,318 5,238,768 5,888,173 4,000,333
4,612,820 5,067,234 8,342,147 7,440,666 5,839,743 736,896 815,294
8,460,914 8,989,334 7,375,618 9,179,494 8,982,544 9,950,323 10,106,241
21,802,218 22,028,169 23,127,429 24,448,714 28,317,647 26,900,093 26,095,607
12,238,277 11,672,239 12,255,164 13,579,729 16,206,355 13,163,271 13,237,772
9,109,645 7,871,090 8,078,921 9,335,719 20,823,948 17,838,673 17,667,231
1,266,877 1,356,922 1,559,985 1,766,703 1,761,811 1,765,367 1,532,753
1,861,755 2,444,227 2,616,258 2,477,307 (6,379,404) (6,440,769) (5,962,212)
9,563,941 10,355,930 10,872,265 10,868,985 12,111,292 13,736,822 12,857,835
1,341 1,493 1,543 1,357 1,216 1,309 1,309
240,936 334,880 229,064 99,127 171,965 332,278 340,575
358,263 737,619 1,599,528 1,087,936 1,105,942 1,218,977 913,882
0 0 0 0 0 0 0
600,540 1,073,992 1,830,135 1,188,420 1,279,123 1,552,564 1,255,766
8,963,401 9,281,938 9,042,130 9,680,565 10,832,169 12,184,258 11,602,069
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
364,255 389,369 419,169 450,618 503,233 546,896 583,374
253,698 253,698 253,698 253,698 253,698 253,698 253,698
41,785 44,648 50,104 55,948 66,005 74,148 83,563
68,772 91,023 115,367 140,972 183,530 219,050 246,113
41,756 39,045 45,663 44,205 44,218 81,700 92,583
410,023 421,665 445,378 714,306 953,307 1,222,579 1,475,305
288,464 304,498 287,279 334,516 486,656 657,223 755,443
25,000 0 0 0 0 0 20,833
198,580 217,146 176,345 204,525 345,791 482,845 545,858
64,884 87,352 110,934 129,991 140,865 174,378 188,752
121,559 117,167 158,099 379,790 466,651 565,356 719,862
816,034 850,079 910,210 1,209,129 1,500,758 1,851,175 2,151,262
527,791 524,056 579,686 745,552 1,003,035 1,276,529 1,534,005
450,676 449,235 492,150 623,154 850,950 1,039,543 1,315,938
73,978 71,665 83,756 100,976 125,764 209,486 56,606
3,137 3,156 3,780 21,422 26,321 27,500 161,461
288,243 326,023 330,524 463,577 497,723 574,646 617,257
5 1 16 5 17 1 0
2,232 42,903 17,893 18,729 43,737 44,295 63,565
1,745 1,643 2,303 3,073 3,462 16,259 39,300
0 0 0 0 0 0 0
3,982 44,547 20,212 21,807 47,216 60,555 102,865
284,261 281,476 310,312 441,770 450,507 514,091 514,392
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
236,989 207,756 199,526 188,445 170,270 156,955 133,250
320,000 320,000 320,000 320,000 320,000 320,000 320,000
48,466 48,466 48,466 48,466 48,466 48,466 48,466
(131,477) (160,710) (168,940) (180,021) (198,196) (211,511) (235,216)
184 130 807 2,029 3,103 0 0
552,768 379,168 341,751 467,910 393,869 346,812 344,394
99,120 64,013 62,452 72,553 58,533 204,737 177,555
14,111 3,540 724 0 0 0 0
72,496 55,798 56,649 65,972 53,041 199,584 170,644
12,513 4,675 5,079 6,581 5,492 5,153 6,911
453,648 315,155 279,299 395,357 335,336 142,075 166,839
789,941 587,054 542,084 658,384 567,242 503,767 477,644
207,162 114,354 121,056 224,628 120,025 421,607 361,068
158,289 82,582 98,780 154,887 91,803 342,510 289,283
23,017 20,804 14,206 10,466 9,298 8,648 6,500
25,856 10,968 8,070 59,275 18,924 70,449 65,285
582,779 472,700 421,028 433,756 447,217 82,160 116,576
49 72 57 90 89 79 88
10,367 7,119 5,976 5,430 3,026 2,441 1,815
3,864 3,809 3,988 3,209 4,283 0 0
0 0 0 0 0 0 0
14,280 11,000 10,021 8,729 7,398 2,520 1,903
568,499 461,700 411,007 425,027 439,819 79,640 114,673
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
(239,548) (1,055,646) (373,341) (371,059) (556,765) (556,764) (646,184)
451,605 451,605 979,813 979,813 979,813 979,813 979,813
148,257 148,257 176,485 177,928 177,928 177,928 177,928
(839,410) (1,655,508) (1,529,639) (1,528,800) (1,714,506) (1,714,505) (1,803,925)
23,664 47,636 34,135 33,356 25,764 25,764 15,864
3,378,209 3,006,328 1,938,618 1,560,205 1,544,668 1,544,668 1,356,514
1,100,629 684,168 557,613 103,854 74,155 74,155 0
580,551 507,776 426,814 15,278 0 0 0
164,269 70,039 46,201 7,330 3,750 3,750 0
355,809 106,353 84,598 81,246 70,405 70,405 0
2,277,580 2,322,160 1,381,005 1,456,351 1,470,513 1,470,513 1,356,514
3,162,325 1,998,318 1,599,412 1,222,502 1,013,667 1,013,668 726,194
765,287 482,427 229,552 84,510 115,032 115,033 67,465
453,840 282,416 135,787 17,737 8,752 8,752 0
99,760 132,660 35,933 21,636 64,673 64,673 32,119
211,687 67,351 57,832 45,137 41,607 41,608 35,346
2,397,038 1,515,891 1,369,860 1,137,992 898,635 898,635 658,729
137 113 148 102 88 88 79
31,564 27,166 39,906 23,450 3,335 3,335 8,308
184,144 122,569 73,821 38,722 88,407 88,407 29,557
0 0 0 0 0 0 0
215,845 149,848 113,875 62,274 91,830 91,830 37,944
2,181,193 1,366,043 1,255,985 1,075,718 806,805 806,805 620,785
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
310,259 378,095 253,390 124,905 103,044 124,594 92,692
438,028 438,028 438,028 438,028 438,028 438,028 438,028
159,867 181,867 181,867 181,867 181,867 181,867 181,867
(287,636) (241,800) (366,505) (494,990) (516,851) (495,301) (527,203)
24,830 44,193 41,129 37,436 33,465 29,699 26,093
1,598,998 1,030,110 873,485 756,609 727,133 660,808 634,075
898,338 604,908 523,202 48,145 302,007 217,631 145,396
665,283 488,178 453,914 15,773 272,328 192,539 144,801
233,055 116,730 69,288 30,107 29,679 25,092 595
0 0 0 2,265 0 0 0
700,660 425,202 350,283 708,464 425,126 443,177 488,679
1,934,087 1,452,398 1,168,003 918,950 863,642 815,101 752,860
837,029 745,903 606,070 404,172 506,457 504,806 491,066
328,129 250,175 154,530 62,292 65,908 46,734 16,838
145,434 136,847 125,857 15,652 93,423 82,189 73,636
363,466 358,881 325,683 326,228 347,126 375,883 400,592
1,097,058 706,495 561,933 514,778 357,185 310,295 261,794
2 12 37 9 18 39 39
7,079 4,828 4,454 3,554 27,402 10,578 4,108
9,110 0 0 33,000 0 0 0
22,000 10,000 10,000 10,000 10,000 10,000 0
38,191 14,840 14,491 46,563 37,420 20,617 4,147
1,058,867 691,655 547,442 468,215 319,765 289,678 257,647
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available
334,524
300,000
67,424
(32,900)
43,823
133,229
78,862
0
57,882
20,980
54,367
511,576
176,560
108,608
67,609
343
335,016
57
23,317
213,618
0
236,992
98,024
25,052
19,585
44,637
0
3,841
48,478
20,553
25,600
21,077
30,000
0.05
0.00
109,863
0.06
0.06
0.04
0.43
0.92
0.98
0.70
0.46
0.21
6.16
0.26
0.65
11.15
5.21
2.02
(Thousand Rupees)
2011 2012 2013 2014 2015 Not available Not available
851,125 900,064 928,004 959,564 963,984
978,355 978,355 978,355 978,355 978,355
118,183 137,755 158,997 (18,791) (14,371)
(245,413) (216,046) (209,348) 0 0
(4) (331) 0 0 0
2,412,764 3,813,386 4,517,650 4,565,524 4,260,954
482,311 785,739 1,053,105 3,047,461 2,661,632
0 0 125,000 395,833 237,500
482,311 715,819 808,944 840,235 772,654
0 69,920 119,161 1,811,393 1,651,478
1,930,453 3,027,647 3,464,545 1,518,063 1,599,322
3,263,885 4,713,119 5,445,654 5,525,088 5,224,938
2,182,561 2,891,162 3,168,152 3,538,481 3,187,084
1,944,578 2,748,159 3,050,492 3,066,596 2,720,495
1,016 1,647 1,774 3,581 2,281
236,967 141,356 115,886 468,304 464,308
1,081,324 1,821,957 2,277,502 1,986,607 2,037,854
7 73 76 140 104
6,778 6,065 3,327 0 0
19,400 188,540 301,347 0 0
0 0 0 0 0
26,185 194,678 304,750 140 104
1,055,139 1,627,279 1,972,752 1,986,467 2,037,750
2,762,686
378,020
3,140,706
638,679
1,153,916
4,933,301
1,294,379
1,857,447
1,430,372
1,563,198
N/A
N/A
(1,340,832)
0.19
0.10
0.04
0.29
0.64
0.90
0.92
0.05
0.65
1.23
0.75
0.24
4.94
-0.94
-0.10
(Thousand Rupees)
2018
222,863
107,444
42,777
72,642
0
184,509
117,205
0
0
117,205
67,304
407,372
294,578
0
268,819
25,759
112,794
726
0
0
9,291
10,017
102,777
0
64,460
64,460
0
0
64,460
8,234
40,760
33,794
10,744
0.00
0.00
117,513
0.15
0.12
0.08
0.52
1.00
0.24
3.15
0.02
0.00
1.68
0.45
0.55
20.74
3.48
1.75
Not available
(Thousand Rupees)
2018
69,363
215,000
59,257
(204,894)
0
202,723
40,975
0
39,224
1,751
161,748
272,086
85,128
83,635
1,431
62
186,958
274
4,021
0
0
4,295
182,663
9,403
0
9,403
0
490
9,893
11,988
(2,689)
(4,378)
21,500
0.00
0.00
(5,557)
-0.06
-0.02
-0.02
-0.44
0.95
-2.74
-0.20
0.02
0.31
1.16
0.75
0.25
3.23
1.27
-0.03
(Thousand Rupees)
2018
7,248,880
1,392,124
3,428,393
2,428,363
0
19,449,874
9,725,034
5,796,539
3,225,369
703,126
9,724,840
26,698,754
13,183,153
18,840,808
1,304,317
(6,961,972)
13,515,601
1,408
498,407
772,588
0
1,272,403
12,243,198
2,531,120
312,867
2,843,987
633,584
994,388
4,471,959
1,094,162
1,719,754
1,379,623
1,392,124
0.30
0.00
(1,254,704)
0.19
0.10
0.05
0.31
0.64
0.79
0.99
0.05
0.71
1.39
0.73
0.27
5.21
-0.91
-0.13
(Thousand Rupees)
2018
633,716
253,698
97,437
282,581
93,320
1,821,782
986,793
4,167
587,231
395,395
834,989
2,548,818
1,703,375
1,495,119
40,724
167,532
845,443
0
15,601
40,387
0
55,988
789,455
178,155
0
178,155
5,090
17,135
200,380
72,584
80,602
69,368
25,370
0.13
0.00
(182,134)
0.11
0.05
0.03
0.35
0.89
1.05
2.73
0.02
0.59
1.01
0.71
0.25
24.98
-2.63
-0.22
(Thousand Rupees)
2018
111,682
320,000
48,466
(256,784)
0
397,318
188,291
0
179,200
9,091
209,027
509,000
344,622
273,330
5,076
66,216
164,378
88
6,042
0
0
6,130
158,248
31,160
0
31,160
5
286
31,451
43,642
(21,011)
(21,361)
32,000
0.00
0.00
(27,055)
-0.19
-0.07
-0.04
-0.68
0.99
-2.04
-0.67
0.01
0.54
0.79
0.78
0.22
3.49
1.27
-0.13
(Thousand Rupees)
2018
(693,390)
979,813
177,928
(1,851,131)
10,631
1,385,478
0
0
0
0
1,385,478
702,719
54,211
0
21,541
32,670
648,508
9,645
94
29,402
0
39,141
609,367
9,052
693
9,745
0
2,238
11,983
39,433
(52,263)
(52,674)
45,160
0.00
0.00
(580)
0.08
0.08
-0.08
-4.40
0.81
-0.75
-1.17
0.06
0.00
0.47
1.97
-0.99
-15.35
0.01
0.00
(Thousand Rupees)
2018
122,440
438,028
181,867
(497,455)
22,345
541,094
88,463
88,383
80
0
452,631
685,879
417,319
15,541
66,952
334,826
268,560
31
3,309
0
54,000
57,340
211,220
3,796
0
3,796
0
139,379
143,175
24,336
92,294
26,000
36,300
0.00
0.00
11,685
0.21
0.40
0.04
0.18
0.03
0.94
0.72
0.08
0.02
0.59
0.79
0.18
3.37
0.45
0.03
Not available
Not available
Investment Banks - Overall
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 7,500,397 9,526,688 3,861,474 3,956,573
1.Share capital 4,338,053 7,625,153 9,472,352 8,809,385
2.Reserves 1,916,908 1,752,876 (839,614) (892,104)
3.Unappropriated profit/loss 1,245,436 148,659 (4,771,264) (3,960,708)
4.Others 7,989 (711,925) (135,740) (69,578)
B.Total liabilities (B1 + B2) 36,518,018 45,556,092 32,722,638 22,647,951
1.Current liabilities 27,018,735 33,856,343 22,467,310 17,502,134
2.Non-current liabilities 9,499,283 11,699,749 10,255,328 5,145,817
C.Total assets (C1+C2) 44,026,404 54,370,855 36,448,372 26,534,946
1.Current assets (a + b) 32,933,616 38,590,037 22,359,537 18,320,595
a.Cash and banks balances 4,926,145 1,792,740 879,937 627,788
b.Other current assets 28,007,471 36,797,297 21,479,600 17,692,807
2.Non-current assets (a + b + c) 11,092,788 15,780,818 14,088,835 8,214,351
a.Fixed assets 800,487 1,651,142 2,357,479 1,089,410
b.Long-term investments 7,902,283 9,118,257 3,765,840 2,971,874
c.Other non-current assets 2,390,018 5,011,419 7,965,516 4,153,067
D.Profit & loss account
1.Gross revenue 5,554,355 6,599,385 2,808,171 2,862,407
2.Administartive & operating expenses 1,270,194 1,914,881 998,055 1,493,077
3.Operating profit 4,284,161 4,545,526 1,810,116 1,369,330
4.Finance cost 2,571,670 2,977,616 3,259,862 2,235,220
5.Profit/(loss) before taxation 673,562 694,271 (5,043,689) (1,885,521)
6.Profit/(loss) after taxation 693,041 934,899 (4,063,536) (1,343,741)
E.Other items
1.No. of ordinary shares (000) 343,804 676,615 857,235 880,939
2.Cash dividend N/A N/A N/A N/A
3.Stock dividend/bonus shares N/A N/A N/A N/A
4.Cash generated from operating activities 761,062 (1,530,066) (992,255) 3,104,579
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.09 0.10 -1.05 -0.34
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.04 0.03 -0.36 -0.21
3.Return on assets (ROA) (D6/C) 0.02 0.02 -0.11 -0.05
4.Return on revenue (ROR) (D6/D1) 0.12 0.14 -1.45 -0.47
5.Operating expenses to net income (D2/D6) 1.83 2.05 -0.25 -1.11
6.Earning per share (D6/E1) 2.02 1.38 -4.74 -1.53
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 1.22 1.14 1.00 1.05
2.Total liabilities to total assets (B/C) (times) 0.83 0.84 0.90 0.85
3.Long term investment to total assets (C2b/C) 0.18 0.17 0.10 0.11
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.17 0.18 0.11 0.15
2.Break up value per share (A/E1) 21.82 14.08 4.50 4.49
I.Cash flow ratio
1.Cash generated from operating activities to profit a 1.10 -1.64 0.24 -2.31
Escorts Investment Bank Ltd.
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 802,233 851,850 597,403 366,292
1.Share capital 441,000 441,000 441,000 441,000
2.Reserves 126,487 154,050 154,050 154,050
3.Unappropriated profit/loss 234,746 256,800 2,353 (228,758)
4.Others (15,402) (3,533) 7,269 6,824
B.Total liabilities (B1 + B2) 5,147,829 5,648,593 1,502,971 1,289,870
1.Current liabilities 4,168,563 4,737,057 971,888 866,129
2.Non-current liabilities 979,266 911,536 531,083 423,741
C.Total assets (C1+C2) 5,934,660 6,496,910 2,107,643 1,662,986
1.Current assets (a + b) 5,013,161 5,394,443 1,108,243 851,787
a.Cash and banks balances 133,428 306,542 19,478 19,508
b.Other current assets 4,879,733 5,087,901 1,088,765 832,279
2.Non-current assets (a + b + c) 921,499 1,102,467 999,400 811,199
a.Fixed assets 143,160 135,383 106,581 90,658
b.Long-term investments 569,162 556,374 544,938 530,943
c.Other non-current assets 209,177 410,710 347,881 189,598
D.Profit & loss account
1.Gross revenue 841,512 804,919 356,524 182,339
2.Administartive & operating expenses 216,349 238,319 141,833 91,007
3.Operating profit 625,163 566,600 214,691 91,332
4.Finance cost 163,248 201,267 92,854 32,358
5.Profit/(loss) before taxation 141,201 94,512 3,803 (111,835)
6.Profit/(loss) after taxation 130,164 137,817 (166,247) (115,298)
E.Other items
1.No. of ordinary shares (000) 44,100 44,100 44,100 44,100
2.Cash dividend 0.20 0.20 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities (454,432) 259,937 (124,831) 188,243
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.16 0.16 -0.28 -0.31
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.08 0.05 0.00 -0.14
3.Return on assets (ROA) (D6/C) 0.02 0.02 -0.08 -0.07
4.Return on revenue (ROR) (D6/D1) 0.15 0.17 -0.47 -0.63
5.Operating expenses to net income (D2/D6) 1.66 1.73 -0.85 -0.79
6.Earning per share (D6/E1) 2.95 3.13 -3.77 -2.61
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 1.20 1.14 1.14 0.98
2.Total liabilities to total assets (B/C) (times) 0.87 0.87 0.71 0.78
3.Long term investment to total assets (C2b/C) 0.10 0.09 0.26 0.32
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.14 0.13 0.28 0.22
2.Break up value per share (A/E1) 18.19 19.32 13.55 8.31
I.Cash flow ratio
1.Cash generated from operating activities to profit a -3.49 1.89 0.75 -1.63
First Credit and Investment Bank
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 553,901 557,982 808,568 816,442
1.Share capital 119,582 400,000 650,000 650,000
2.Reserves 111,350 114,558 116,089 117,663
3.Unappropriated profit/loss 322,969 43,424 42,479 48,779
4.Others (6,392) (7,800) (22,388) (14,967)
B.Total liabilities (B1 + B2) 1,510,995 1,179,071 1,014,317 663,249
1.Current liabilities 1,301,977 1,089,771 1,014,217 533,249
2.Non-current liabilities 209,018 89,300 100 130,000
C.Total assets (C1+C2) 2,058,504 1,729,253 1,800,497 1,464,724
1.Current assets (a + b) 1,279,324 1,000,427 835,328 621,476
a.Cash and banks balances 25,187 13,969 31,469 18,898
b.Other current assets 1,254,137 986,458 803,859 602,578
2.Non-current assets (a + b + c) 779,180 728,826 965,169 843,248
a.Fixed assets 12,478 9,730 6,943 4,461
b.Long-term investments 434,867 629,687 788,163 786,088
c.Other non-current assets 331,835 89,409 170,063 52,699
D.Profit & loss account
1.Gross revenue 190,286 178,306 214,296 164,282
2.Administartive & operating expenses 29,860 39,328 46,240 49,064
3.Operating profit 160,426 0 168,056 115,218
4.Finance cost 102,522 102,461 106,488 81,280
5.Profit/(loss) before taxation 57,377 24,923 12,751 5,015
6.Profit/(loss) after taxation 55,673 16,038 7,655 7,874
E.Other items
1.No. of ordinary shares (000) 11,958 44,100 65,000 65,000
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities (208,675) (12,572) 388,496 351,427
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.10 0.03 0.01 0.01
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.08 0.04 0.02 0.01
3.Return on assets (ROA) (D6/C) 0.03 0.01 0.00 0.01
4.Return on revenue (ROR) (D6/D1) 0.29 0.09 0.04 0.05
5.Operating expenses to net income (D2/D6) 0.54 2.45 6.04 6.23
6.Earning per share (D6/E1) 4.66 0.36 0.12 0.12
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 0.98 0.92 0.82 1.17
2.Total liabilities to total assets (B/C) (times) 0.73 0.68 0.56 0.45
3.Long term investment to total assets (C2b/C) 0.21 0.36 0.44 0.54
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.27 0.32 0.45 0.56
2.Break up value per share (A/E1) 46.32 12.65 12.44 12.56
I.Cash flow ratio
1.Cash generated from operating activities to profit a -3.75 -0.78 50.75 44.63
First Dawood Investment Bank Ltd.
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 1,591,618 1,778,996 (403,246) 688,563
1.Share capital 495,251 569,539 626,493 1,342,326
2.Reserves 896,450 1,024,030 258,210 333,745
3.Unappropriated profit/loss 199,917 185,427 (1,287,949) (987,508)
4.Others 0 0 (115,445) (67,871)
B.Total liabilities (B1 + B2) 10,626,519 9,285,199 5,655,107 2,527,415
1.Current liabilities 8,829,838 7,102,703 4,339,578 1,309,872
2.Non-current liabilities 1,796,681 2,182,496 1,315,529 1,217,543
C.Total assets (C1+C2) 12,218,137 11,064,195 5,136,416 3,148,107
1.Current assets (a + b) 10,069,105 8,667,974 3,444,409 2,291,378
a.Cash and banks balances 9,404 33,756 194,340 146,587
b.Other current assets 10,059,701 8,634,218 3,250,069 2,144,791
2.Non-current assets (a + b + c) 2,149,032 2,396,221 1,692,007 856,729
a.Fixed assets 11,974 62,028 85,681 9,432
b.Long-term investments 1,415,586 1,064,499 410,190 22,961
c.Other non-current assets 721,472 1,269,694 1,196,136 824,336
D.Profit & loss account
1.Gross revenue 1,235,302 1,468,881 235,222 292,791
2.Administartive & operating expenses 72,881 97,377 94,049 99,623
3.Operating profit 1,162,421 1,371,504 141,173 193,168
4.Finance cost 840,610 980,004 1,128,269 123,891
5.Profit/(loss) before taxation 178,477 36,112 (1,807,575) 234,253
6.Profit/(loss) after taxation 179,520 113,655 (1,791,422) 377,676
E.Other items
1.No. of ordinary shares (000) 49,525 56,954 62,649 134,233
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.15 0.10 0.00 0.00
4.Cash generated from operating activities 846,221 (256,868) (485,352) 1,190,133
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.11 0.00 4.44 0.55
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.05 0.00 -2.27 0.13
3.Return on assets (ROA) (D6/C) 0.01 0.00 -0.35 0.12
4.Return on revenue (ROR) (D6/D1) 0.15 0.00 -7.62 1.29
5.Operating expenses to net income (D2/D6) 0.41 0.01 -0.05 0.26
6.Earning per share (D6/E1) 3.63 2.00 -28.59 2.81
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 1.14 1.22 0.79 1.75
2.Total liabilities to total assets (B/C) (times) 0.87 0.84 1.10 0.80
3.Long term investment to total assets (C2b/C) 0.12 0.00 0.08 0.01
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.13 0.00 -0.08 0.22
2.Break up value per share (A/E1) 32.14 31.24 -6.44 5.13
I.Cash flow ratio
1.Cash generated from operating activities to profit a 4.71 -2.26 0.27 3.15
IGI Investment Bank Ltd.
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 1,067,535 2,244,315 1,869,229 1,383,636
1.Share capital 922,184 2,121,025 2,121,025 2,121,025
2.Reserves 152,506 136,831 136,831 115,145
3.Unappropriated profit/loss (7,155) (13,541) (388,627) (852,534)
4.Others (17,977) (62,069) (1,767) (38,096)
B.Total liabilities (B1 + B2) 5,599,458 7,649,150 4,681,192 7,170,566
1.Current liabilities 3,425,647 6,040,538 3,991,601 6,552,288
2.Non-current liabilities 2,173,811 1,608,612 689,591 618,278
C.Total assets (C1+C2) 6,649,016 9,831,396 6,548,654 8,516,106
1.Current assets (a + b) 3,975,682 6,997,249 4,018,714 6,433,626
a.Cash and banks balances 269,966 849,863 112,664 216,618
b.Other current assets 3,705,716 6,147,386 3,906,050 6,217,008
2.Non-current assets (a + b + c) 2,673,334 2,834,147 2,529,940 2,082,480
a.Fixed assets 85,573 112,052 88,449 188,030
b.Long-term investments 1,877,310 2,310,472 1,293,943 1,392,615
c.Other non-current assets 710,451 411,623 1,147,548 501,835
D.Profit & loss account
1.Gross revenue 585,990 764,137 769,368 1,047,236
2.Administartive & operating expenses 207,995 234,108 208,593 423,043
3.Operating profit 377,995 530,029 560,775 624,193
4.Finance cost 482,873 571,086 643,352 705,419
5.Profit/(loss) before taxation (79,267) (45,637) (450,654) (399,790)
6.Profit/(loss) after taxation (39,157) (6,386) 375,086 (164,268)
E.Other items
1.No. of ordinary shares (000) 92,218 212,102 212,102 212,102
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities 111,248 (368,225) 157,909 676,242
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) -0.04 0.00 0.20 -0.12
2.Return on capital employed (ROCE) (D5/(C-B1)) -0.02 -0.01 -0.18 -0.20
3.Return on assets (ROA) (D6/C) -0.01 0.00 0.06 -0.02
4.Return on revenue (ROR) (D6/D1) -0.07 -0.01 0.49 -0.16
5.Operating expenses to net income (D2/D6) -5.31 -36.66 0.56 -2.58
6.Earning per share (D6/E1) -0.43 -0.03 1.77 -0.77
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 1.16 1.16 1.01 0.98
2.Total liabilities to total assets (B/C) (times) 0.84 0.78 0.71 0.84
3.Long term investment to total assets (C2b/C) 0.28 0.24 0.20 0.16
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.16 0.23 0.29 0.16
2.Break up value per share (A/E1) 11.58 10.58 8.81 6.52
I.Cash flow ratio
1.Cash generated from operating activities to profit a -2.84 57.66 0.42 -4.12
Invest Capital Investment Bank Ltd.
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) (257,893) 380,238 853,716 214,273
1.Share capital 100,000 746,424 2,727,669 2,848,669
2.Reserves 2,388 (347,924) (2,022,076) (2,022,076)
3.Unappropriated profit/loss (360,281) (18,262) 148,123 (612,320)
4.Others 214,154 190,476 144,871 17,189
B.Total liabilities (B1 + B2) 64,955 1,457,526 6,848,396 4,841,876
1.Current liabilities 64,659 1,456,235 4,779,208 3,896,071
2.Non-current liabilities 296 1,291 2,069,188 945,805
C.Total assets (C1+C2) 21,216 2,028,240 7,846,983 5,073,338
1.Current assets (a + b) 15,956 1,646,427 5,073,978 3,686,464
a.Cash and banks balances 409 59,435 248,332 75,318
b.Other current assets 15,547 1,586,992 4,825,646 3,611,146
2.Non-current assets (a + b + c) 5,260 381,813 2,773,005 1,386,874
a.Fixed assets 1,109 159,020 946,976 463,409
b.Long-term investments 4,051 189,738 175,439 128,543
c.Other non-current assets 100 33,055 1,650,590 794,922
D.Profit & loss account
1.Gross revenue 3,790 298,511 126,349 636,391
2.Administartive & operating expenses 11,398 211,663 (239,922) 612,798
3.Operating profit (7,608) 86,848 366,271 23,593
4.Finance cost 1,265 88,794 (60,849) 561,067
5.Profit/(loss) before taxation (34,004) (4,521) 175,970 (717,297)
6.Profit/(loss) after taxation (34,022) (19,468) 165,350 (761,121)
E.Other items
1.No. of ordinary shares (000) 10,000 74,642 272,767 284,867
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities (7,895) (380,013) 374,906 554,605
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.13 0.00 0.19 -3.55
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.78 0.00 0.06 -0.61
3.Return on assets (ROA) (D6/C) -1.60 0.00 0.02 -0.15
4.Return on revenue (ROR) (D6/D1) -8.98 0.00 1.31 -1.20
5.Operating expenses to net income (D2/D6) -0.34 -0.11 -1.45 -0.81
6.Earning per share (D6/E1) -3.40 -0.26 0.61 -2.67
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 0.25 1.13 1.06 0.95
2.Total liabilities to total assets (B/C) (times) 3.06 0.72 0.87 0.95
3.Long term investment to total assets (C2b/C) 0.19 0.00 0.02 0.03
H.Capital /leverage ratios
1.Capital ratio (A/C) -12.16 0.00 0.11 0.04
2.Break up value per share (A/E1) -25.79 5.09 3.13 0.75
I.Cash flow ratio
1.Cash generated from operating activities to profit a 0.23 19.52 2.27 -0.73
Security Investment Bank Ltd.
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 654,086 680,706 488,012 511,929
1.Share capital 428,613 514,336 514,336 514,336
2.Reserves 134,326 139,650 139,650 141,611
3.Unappropriated profit/loss 91,147 26,720 (165,974) (144,018)
4.Others (61,447) (376,279) (37,333) (45,313)
B.Total liabilities (B1 + B2) 2,209,426 627,119 508,819 296,883
1.Current liabilities 2,204,250 620,833 500,880 296,883
2.Non-current liabilities 5,176 6,286 7,939 0
C.Total assets (C1+C2) 2,802,065 931,546 959,498 763,499
1.Current assets (a + b) 2,596,093 699,235 738,195 632,472
a.Cash and banks balances 102,460 26,255 28,117 7,664
b.Other current assets 2,493,633 672,980 710,078 624,808
2.Non-current assets (a + b + c) 205,972 232,311 221,303 131,027
a.Fixed assets 5,747 4,919 3,630 1,813
b.Long-term investments 151,299 151,220 151,141 51,062
c.Other non-current assets 48,926 76,172 66,532 78,152
D.Profit & loss account
1.Gross revenue 315,726 192,045 64,289 88,186
2.Administartive & operating expenses 33,376 31,435 27,399 33,842
3.Operating profit 282,350 160,610 36,890 54,344
4.Finance cost 0 0 0 45,637
5.Profit/(loss) before taxation 97,778 26,828 (202,728) 8,708
6.Profit/(loss) after taxation 89,244 26,619 (192,693) 13,204
E.Other items
1.No. of ordinary shares (000) 42,861 51,434 51,434 51,434
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.20 0.00 0.00 0.00
4.Cash generated from operating activities (156,345) (27,543) (31,171) (168,174)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.14 0.00 -0.39 0.03
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.16 0.00 -0.44 0.02
3.Return on assets (ROA) (D6/C) 0.03 0.00 -0.20 0.02
4.Return on revenue (ROR) (D6/D1) 0.28 0.00 -3.00 0.15
5.Operating expenses to net income (D2/D6) 0.37 0.01 -0.14 2.56
6.Earning per share (D6/E1) 2.08 0.52 -3.75 0.26
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 1.18 1.13 1.47 2.13
2.Total liabilities to total assets (B/C) (times) 0.79 0.67 0.53 0.39
3.Long term investment to total assets (C2b/C) 0.05 0.00 0.16 0.07
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.23 0.01 0.51 0.67
2.Break up value per share (A/E1) 15.26 13.24 9.49 9.95
I.Cash flow ratio
1.Cash generated from operating activities to profit a -1.75 -1.04 0.16 -12.74
Trust Investment Bank Ltd.
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 1,016,064 1,095,609 380,731 (24,562)
1.Share capital 468,423 585,529 585,529 892,029
2.Reserves 308,517 267,758 267,759 267,758
3.Unappropriated profit/loss 239,124 242,322 (472,557) (1,184,349)
4.Others 6,594 (270,341) (220,625) 72,656
B.Total liabilities (B1 + B2) 5,421,020 7,106,813 6,315,225 5,858,092
1.Current liabilities 2,784,226 4,776,224 4,243,904 4,047,642
2.Non-current liabilities 2,636,794 2,330,589 2,071,321 1,810,450
C.Total assets (C1+C2) 6,443,678 7,932,081 6,475,331 5,906,186
1.Current assets (a + b) 3,201,624 3,510,993 4,277,208 3,803,392
a.Cash and banks balances 200,947 93,289 158,792 143,195
b.Other current assets 3,000,677 3,417,704 4,118,416 3,660,197
2.Non-current assets (a + b + c) 3,242,054 4,421,088 2,198,123 2,102,794
a.Fixed assets 108,061 157,284 110,710 331,607
b.Long-term investments 3,018,135 3,420,843 162,976 59,662
c.Other non-current assets 115,858 842,961 1,924,437 1,711,525
D.Profit & loss account
1.Gross revenue 732,403 949,051 694,857 451,182
2.Administartive & operating expenses 165,415 193,656 173,142 183,700
3.Operating profit 566,988 755,395 521,715 267,482
4.Finance cost 428,762 538,473 875,119 685,568
5.Profit/(loss) before taxation 115,547 66,124 (976,389) (904,575)
6.Profit/(loss) after taxation 103,047 149,783 (715,226) (701,808)
E.Other items
1.No. of ordinary shares (000) 46,842 58,553 58,553 89,203
2.Cash dividend 0.15 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.25 0.00 0.00 0.00
4.Cash generated from operating activities 943,352 (1,211,474) 660,426 312,103
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.10 0.14 -1.88 28.57
2.Return on capital employed (ROCE) (D5/(C-B1)) 0.03 0.02 -0.44 -0.49
3.Return on assets (ROA) (D6/C) 0.02 0.02 -0.11 -0.12
4.Return on revenue (ROR) (D6/D1) 0.14 0.16 -1.03 -1.56
5.Operating expenses to net income (D2/D6) 1.61 1.29 -0.24 -0.26
6.Earning per share (D6/E1) 2.20 2.56 -12.22 -7.87
G.Liquidity ratios
1.Current assets to current liabilities (C1/B1) (times) 1.15 0.74 1.01 0.94
2.Total liabilities to total assets (B/C) (times) 0.84 0.90 0.98 0.99
3.Long term investment to total assets (C2b/C) 0.47 0.43 0.03 0.01
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.16 0.14 0.06 0.00
2.Break up value per share (A/E1) 21.69 18.71 6.50 -0.28
I.Cash flow ratio
1.Cash generated from operating activities to profit a 9.15 -8.09 -0.92 -0.44
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
3,075,022 1,566,205 499,577 (260,669) (328,578) 426,094 1,079,161 1,061,381
8,809,385 8,809,385 8,809,385 8,809,385 8,950,959 8,950,959 7,321,887 7,321,887
(858,318) (857,760) (852,569) (849,331) (854,778) (609,167) (694,201) (667,028)
(4,876,045) (6,385,420) (7,457,239) (8,220,723) (8,424,759) (7,915,698) (5,548,525) (5,593,478)
(105,833) (25,399) 660,550 689,084 670,066 3,710,284 2,671,491 2,641,347
21,456,869 14,142,235 10,912,738 10,515,132 10,121,712 6,679,418 5,588,530 6,416,980
17,766,231 11,751,285 8,235,741 7,188,761 6,493,632 5,341,756 4,054,026 4,871,426
3,690,638 2,390,950 2,676,997 3,326,371 3,628,080 1,337,662 1,534,504 1,545,554
24,426,058 15,683,041 12,072,865 10,943,546 10,463,200 10,815,796 9,339,182 10,119,708
18,686,973 10,855,751 7,760,538 6,832,848 5,360,468 5,314,974 4,689,481 5,568,914
346,509 483,765 320,918 233,487 300,789 314,494 287,681 1,092,007
18,340,464 10,371,986 7,439,620 6,599,361 5,059,679 5,000,480 4,401,800 4,476,907
5,739,085 4,827,290 4,312,327 4,110,698 5,102,732 5,500,822 4,649,701 4,550,794
893,086 934,697 1,251,020 1,731,111 1,265,993 1,003,290 802,538 834,173
1,248,919 1,102,393 958,758 997,772 783,350 2,879,754 2,696,293 2,503,564
3,597,080 2,790,200 2,102,549 1,381,815 3,053,389 1,617,778 1,150,870 1,213,057
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
1,707,315
1,375,400
164,084
167,831
0
26,340
2,827
23,513
1,733,655
275,093
1,430,267
28,295
393,294
25,669
106,606
0
215,313
45,706
0
0
33,561
31,854
783
838
86
0
359,733
137,540
0.00
0.00
329,909
0.66
0.00
0.91
0.21
0.95
10.00
2.62
0.16
0.02
0.79
0.92
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
645,077
900,000
0
(254,923)
0
2,545
1,089
1,456
647,622
2,923
635,911
8,788
101,012
12,669
26,510
0
42,745
19,065
0
23
17,330
13,179
601
626
2,924
0
83,682
90,000
0.07
0.00
(94,777)
0.61
0.00
0.83
0.13
0.76
10.00
0.93
0.00
0.00
1.39
-1.13
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
472,946
525,000
0
(52,054)
(38,414)
9,646
679
8,967
444,178
16,087
419,914
8,177
147,383
5,483
38,110
0
27,367
66,914
0
9,509
12,542
6,960
740
227
4,615
0
134,841
52,500
0.15
0.00
20,977
0.70
0.00
0.91
0.30
0.55
10.00
2.57
0.04
0.02
1.18
0.16
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
257,219
300,000
0
(42,781)
0
16,081
5,009
11,072
273,300
36,187
232,307
4,806
42,219
10,231
12,126
0
21,975
(2,692)
0
579
13,486
5,009
1,465
461
6,551
0
28,733
30,000
0.00
0.00
(34,256)
0.47
0.00
0.68
0.11
0.37
10.00
0.96
0.13
0.06
1.10
-1.19
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
549,713
580,750
0
(31,037)
0
4,194
935
3,259
553,907
26,310
515,057
12,540
80,291
31,016
9,222
0
(4,144)
44,197
0
0
15,257
10,753
903
788
2,813
0
65,034
58,075
0.03
0.00
(31,501)
0.50
0.00
0.81
0.12
0.70
10.00
1.12
0.05
0.01
1.05
-0.48
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
767,225 763,012 761,813 1,666,697 1,744,806 1,714,315 1,891,098 1,512,969
760,492 760,492 760,492 760,492 760,492 760,492 760,492 760,492
6,733 2,520 1,321 500 500 500 500 500
0 0 0 905,705 983,814 953,323 1,130,106 751,977
195,843 371,934 840,189 0 0 0 0 0
49,883 25,117 55,049 89,804 113,783 115,929 112,856 103,763
2,161 1,824 2,722 3,872 7,540 4,031 5,812 3,910
47,722 23,293 52,327 85,932 106,243 111,898 107,044 99,853
1,012,951 1,160,063 1,657,051 1,756,501 1,858,589 1,830,244 2,003,954 1,616,732
10,047 14,569 34,468 53,271 107,418 72,279 63,769 55,070
936,117 1,136,933 1,617,620 1,698,189 1,672,007 1,754,500 1,933,029 1,556,648
66,787 8,561 4,963 5,041 79,164 3,465 7,156 5,014
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
3,180,705
3,180,044
506,438
(505,777)
(145,936)
67,011
714
66,297
3,101,780
82,152
2,863,246
156,382
733,167
44,701
184,340
0
423,338
80,788
0
0
98,287
61,817
2,711
2,936
26,875
3,948
634,880
318,004
-
-
(305,737)
0.69
0.00
0.87
0.20
0.63
10.00
2.00
0.03
0.02
1.03
-0.48
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
1,205,768
1,185,750
10,000
10,018
0
20,343
221
20,122
1,226,111
67,159
1,148,780
10,172
308,390
12,556
64,609
0
58,293
172,932
0
0
47,809
23,312
2,143
0
20,447
1,907
260,581
118,575
0.07
0.00
44,966
0.75
0.00
0.85
0.21
0.49
10.00
2.20
0.05
0.02
0.97
0.17
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
1,436,138
1,200,000
0
236,138
87,294
18,316
2,507
15,809
1,541,748
42,186
1,465,941
33,621
254,036
89,560
56,620
0
107,302
12,054
0
(11,500)
28,017
28,069
1,596
509
(2,157)
0
226,019
120,000
0.18
0.00
182,020
0.42
0.00
0.89
0.15
1.00
10.00
1.88
0.03
0.01
0.78
0.81
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
757,930
1,000,000
0
(242,070)
8,277
10,869
3,735
7,134
777,076
171,524
597,937
7,615
130,014
38,778
24,129
0
0
(47,055)
114,162
0
44,048
22,689
634
0
20,015
710
85,966
100,000
0.09
0.00
45,608
0.52
0.00
0.66
0.11
0.52
10.00
0.86
0.22
0.01
1.29
0.53
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
1,059,643
1,000,000
0
59,643
0
19,130
1,850
17,280
1,078,773
77,090
994,036
7,647
326,671
10,600
88,847
0
0
20,660
206,564
0
36,844
27,079
1,323
0
6,022
2,420
289,827
100,000
0.28
0.00
188,598
69.56%
0.00
88.72%
26.87%
0.74
10.00
2.90
7.15%
1.77%
0.93
0.65
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
4,764,800 6,147,936 7,358,626 7,904,120 6,489,505 6,945,240 8,392,964 7,054,056
2,835,000 2,835,000 2,835,000 2,835,000 2,835,000 2,835,000 2,835,000 2,835,000
1,395,722 2,992,500 2,992,500 2,992,500 2,992,500 2,992,500 2,992,500 2,992,500
534,078 320,436 1,531,126 2,076,620 662,005 1,117,740 2,565,464 1,226,556
2,992,500 1,089,638 3,390,801 4,962,010 4,953,097 4,885,153 6,189,749 5,621,904
184,318 346,537 294,148 731,610 354,945 404,806 339,398 374,031
12,929 13,993 20,784 24,876 21,934 23,464 28,671 24,928
171,389 332,544 273,364 706,734 333,011 381,342 310,727 349,103
7,941,618 7,584,111 11,043,575 13,597,740 11,797,547 12,235,199 14,922,111 13,049,991
453,731 276,495 175,873 106,613 627,797 442,390 649,726 729,178
7,367,007 7,059,493 10,842,195 12,880,629 11,068,652 11,701,639 14,097,911 12,112,200
120,880 248,123 25,507 610,498 101,098 91,170 174,474 208,613
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
2,072,994 2,942,654 3,595,845 3,915,794 3,209,869 3,454,928 4,183,599 3,441,335
2,841,250 2,841,250 2,841,250 2,841,250 2,841,250 2,841,250 2,841,250 2,841,250
225 984,913 984,913 984,913 984,913 984,913 984,913 984,913
(768,481) (883,509) (230,318) 89,631 (616,294) (371,235) 357,436 (384,828)
1,499,300 402,453 1,257,271 1,841,690 1,833,495 1,796,328 2,146,970 1,993,954
120,220 196,823 171,439 366,338 195,064 219,420 185,939 197,377
5,954 6,467 9,383 11,131 9,667 9,977 12,447 10,689
114,266 190,356 162,056 355,207 185,397 209,443 173,492 186,688
3,692,514 3,541,930 5,024,555 6,123,822 5,238,428 5,470,676 6,516,508 5,632,666
238,064 160,891 123,250 87,167 366,044 316,611 350,631 371,142
3,376,328 3,267,605 4,886,824 5,720,675 4,832,231 5,115,909 6,095,223 5,179,170
78,122 113,434 14,481 315,980 40,153 38,156 70,654 82,354
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 Not available Not available
1,136,053 1,142,894 1,119,364 1,125,724 1,039,000 1,039,000
1,000,000 1,000,000 1,000,000 1,000,000 1,000,000 1,000,000
0 0 0 0 0 0
136,053 142,894 119,364 125,724 39,000 39,000
(11,255) (1,222) 39 (544) 0 0
10,737 11,581 13,495 15,772 33,872 33,872
2,773 1,349 1,455 1,534 9,357 9,357
7,964 10,232 12,040 14,238 24,515 24,515
1,135,535 1,153,253 1,132,898 1,140,952 1,072,872 1,072,872
347,618 368,179 199,125 736,294 1,069,903 1,069,903
760,974 754,189 921,703 392,979 0 0
26,943 30,885 12,070 11,679 2,969 2,969
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
661,979
544,500
33,000
84,479
0
2,338
1,118
1,220
664,317
995
658,398
4,924
95,835
12,249
27,177
0
45,539
10,845
0
25
17,255
13,800
613
656
2,186
0
78,580
54,450
-
-
(99,378)
0.59
0.00
0.82
0.12
0.80
10.00
1.44
0.00
0.00
0.82
-1.26
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
26,659 25,990 40,913 40,913 40,913 85224 85,224 75,292
50,000 50,000 50,000 50,000 50,000 50000 50,000 50,000
0 0 0 0 0 0 0 0
(23,341) (24,010) (9,087) (9,087) (9,087) 35224 35,224 25,292
0 0 0 0 0 -5940 (5,940) (8,562)
4,081 4,816 5,506 5,506 5,506 9130 9,130 10,478
2,551 3,389 3,939 3,939 3,939 5127 5,127 6,322
1,530 1,427 1,567 1,567 1,567 4003 4,003 4,156
30,740 30,806 46,419 46,419 46,419 88414 88,414 77,208
7 5 2 2 2 41 41 42
30,100 30,169 45,298 45,298 45,298 88166 88,166 76,943
633 632 1,119 1,119 1,119 207 207 223
Awwal Modaraba
Items Not Available Not Available Not Available Not Available
A.Total equity (A1 to A3)
1.Certificate capital
2.Reserves
3.Unappropriated profit
4.Others
B.Total liabilities (B1 + B2)
1.Current liabilities
2.Non-current liabilities
C.Total assets (C1+C2)
1.Current assets (a + b)
a.Cash and banks balances
b.Other current assets
2.Non-current assets (a + b + c)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
D.Profit & loss account
1.Gross revenue(loss)
2.Operating expenses
3.Operating profit
4.Modaraba co's management fees
5.Profit/(loss) before taxation
6.Profit/(loss) after taxation
E.Other items
1.No. of certificates (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A)
2.Return on capital employed (ROCE) (D5/(C-B1))
3.Return on assets (ROA) (D6/C)
4.Return on revenue (D6/D1)
5.Operating expenses to net income (D2/D6)
6.Management expenses (D4/D2)
7.Earning Per Certificate (D6/E1)
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
2.Total liabilities to total assets (B/C) (times)
3.Long term investment to total assets (C2b/C)
H.Capital /leverage ratios
1.Capital ratio (A/C)
2.Break up value per certificate (A/E1)
I.Cash flow ratio
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
2.Cash generated from operating activities to current liabilities (E4/B1) (times)
B.F. Modaraba
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 80,533 87,379 91,058 94,461
1.Certificate capital 59,119 63,553 68,320 68,320
2.Reserves 13,054 15,108 16,212 17,232
3.Unappropriated profit 8,360 8,718 6,526 8,909
4.Others 10,267 5,933 557 7,760
B.Total liabilities (B1 + B2) 3,085 3,279 8,688 2,439
1.Current liabilities 2,862 3,158 8,521 2,193
2.Non-current liabilities 223 121 167 246
C.Total assets (C1+C2) 93,885 96,591 100,303 104,660
1.Current assets (a + b) 90,753 95,048 99,061 103,685
a.Cash and banks balances 8,235 25,109 15,491 8,008
b.Other current assets 82,519 69,939 83,570 95,677
2.Non-current assets (a + b + c) 3,132 1,543 1,242 975
a.Fixed assets 951 808 1,202 935
b.Long-term investments 2,181 735 40 40
c.Other non-current assets 0 0 0 0
D.Profit & loss account
1.Gross revenue(loss) 10,254 11,014 14,473 11,913
2.Operating expenses 1,641 1,845 2,201 2,523
3.Operating profit 8,613 9,169 12,272 9,390
4.Modaraba co's management fees 773 847 811 0
5.Profit/(loss) before taxation 6,958 7,626 7,064 5,438
6.Profit/(loss) after taxation 6,155 6,846 3,679 3,403
E.Other items
1.No. of certificates (000) 5,912 6,355 6,832 6,832
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.08 0.08 0.00 0.10
4.Cash generated from operating activities (21,996) 10,527 (1,307) (13,710)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.00 0.08 0.04 0.04
2.Return on capital employed (ROCE) (D5/(C-B1) 0.00 0.08 0.08 0.05
3.Return on assets (ROA) (D6/C) 0.00 0.07 0.04 0.03
4.Return on revenue (D6/D1) 0.01 0.62 0.25 0.29
5.Operating expenses to net income (D2/D6) 0.00 0.27 0.60 0.74
6.Management expenses (D4/D2) 0.00 0.46 0.37 0.00
7.Earning Per Certificate (D6/E1) 1.04 1.08 0.54 0.50
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (tim 31.71 30.10 11.63 47.28
2.Total liabilities to total assets (B/C) (times) 0.03 0.03 0.09 0.02
3.Long term investment to total assets (C2b/C) 0.00 0.01 0.00 0.00
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.01 0.90 0.91 0.90
2.Break up value per certificate (A/E1) 13.62 13.75 13.33 13.83
I.Cash flow ratio
1.Cash generated from operating activities to profi -3.57 1.54 -0.36 -4.03
2.Cash generated from operating activities to curre -7.69 3.33 -0.15 -6.25
IBL Modaraba
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 164,437 171,959 239,066 247,982
1.Certificate capital 116,875 116,875 201,875 201,875
2.Reserves 35,409 48,348 31,892 39,142
3.Unappropriated profit 12,153 6,736 5,299 6,965
4.Others 0 85,000 0 0
B.Total liabilities (B1 + B2) 42,819 17,568 130,802 131,900
1.Current liabilities 42,458 3,695 126,999 127,681
2.Non-current liabilities 361 13,873 3,803 4,219
C.Total assets (C1+C2) 207,256 274,527 369,868 379,882
1.Current assets (a + b) 193,396 215,711 307,893 338,249
a.Cash and banks balances 18,683 21,956 1,144 1,058
b.Other current assets 174,713 193,755 306,749 337,191
2.Non-current assets (a + b + c) 13,860 58,816 61,975 41,633
a.Fixed assets 993 27,405 22,935 4,248
b.Long-term investments 12,842 0 7,809 0
c.Other non-current assets 25 31,411 31,231 37,385
D.Profit & loss account
1.Gross revenue(loss) 17,168 25,619 34,037 60,205
2.Operating expenses 5,068 13,680 13,474 40,739
3.Operating profit 12,100 11,939 20,563 19,466
4.Modaraba co's management fees 905 546 183 0
5.Profit/(loss) before taxation 8,144 4,916 1,644 2,082
6.Profit/(loss) after taxation 8,144 4,916 1,644 2,082
E.Other items
1.No. of certificates (000) 11,687 11,687 20,188 20,188
2.Cash dividend 0.08 0.05 0.03 0.03
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities (83,692) (25,767) 9,496 3,804
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.00 0.03 0.01 0.01
2.Return on capital employed (ROCE) (D5/(C-B1) 0.00 0.02 0.01 0.01
3.Return on assets (ROA) (D6/C) 0.00 0.02 0.00 0.01
4.Return on revenue (D6/D1) 0.00 0.19 0.05 0.03
5.Operating expenses to net income (D2/D6) 0.01 2.78 8.20 19.57
6.Management expenses (D4/D2) 0.00 0.04 0.01 0.00
7.Earning Per Certificate (D6/E1) 0.70 0.42 0.08 0.10
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (tim 4.56 58.38 2.42 2.65
2.Total liabilities to total assets (B/C) (times) 0.21 0.06 0.35 0.35
3.Long term investment to total assets (C2b/C) 0.00 0.00 0.02 0.00
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.01 0.63 0.65 0.65
2.Break up value per certificate (A/E1) 14.07 14.71 11.84 12.28
I.Cash flow ratio
1.Cash generated from operating activities to profi -10.28 -5.24 5.78 1.83
2.Cash generated from operating activities to curre -1.97 -6.97 0.07 0.03
KASB Modaraba
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 52,872 42,716 258,322 275,418
1.Certificate capital 83,160 83,160 282,744 282,744
2.Reserves 8,733 8,734 11,938 20,486
3.Unappropriated profit (39,021) (49,178) (36,360) (27,812)
4.Others 0 19,958 0 (665)
B.Total liabilities (B1 + B2) 1,892 169,833 185,191 678,915
1.Current liabilities 1,398 80,309 159,906 665,904
2.Non-current liabilities 494 89,524 25,285 13,011
C.Total assets (C1+C2) 54,764 232,507 443,513 953,668
1.Current assets (a + b) 53,111 125,038 302,421 762,537
a.Cash and banks balances 42,795 33,845 128,714 59,225
b.Other current assets 10,316 91,193 173,707 703,312
2.Non-current assets (a + b + c) 1,653 107,469 141,092 191,131
a.Fixed assets 556 1,803 7,643 8,089
b.Long-term investments 0 0 17,020 19,342
c.Other non-current assets 1,097 105,666 116,429 163,700
D.Profit & loss account
1.Gross revenue(loss) 5,329 10,700 41,990 87,645
2.Operating expenses 2,220 14,516 18,118 24,895
3.Operating profit 3,109 (3,816) 23,872 62,690
4.Modaraba co's management fees 227 0 1,780 0
5.Profit/(loss) before taxation 2,047 7,428 16,023 17,096
6.Profit/(loss) after taxation 2,227 8,078 16,023 17,096
E.Other items
1.No. of certificates (000) 8,316 8,316 28,274 28,274
2.Cash dividend 0.03 0.00 0.00 0.03
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities 11,264 (174,184) (4,931) (529,121)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.00 0.19 0.06 0.06
2.Return on capital employed (ROCE) (D5/(C-B1) 0.00 0.05 0.06 0.06
3.Return on assets (ROA) (D6/C) 0.00 0.03 0.04 0.02
4.Return on revenue (D6/D1) 0.00 0.76 0.38 0.20
5.Operating expenses to net income (D2/D6) 0.01 1.80 1.13 1.46
6.Management expenses (D4/D2) 0.00 0.00 0.10 0.00
7.Earning Per Certificate (D6/E1) 0.27 0.97 0.57 0.60
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (tim 37.99 1.56 1.89 1.15
2.Total liabilities to total assets (B/C) (times) 0.04 0.73 0.42 0.71
3.Long term investment to total assets (C2b/C) 0.00 0.00 0.04 0.02
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.01 0.18 0.58 0.29
2.Break up value per certificate (A/E1) 6.36 5.14 9.14 9.74
I.Cash flow ratio
1.Cash generated from operating activities to profi 5.06 -21.56 -0.31 -30.95
2.Cash generated from operating activities to curre 8.06 -2.17 -0.03 -0.79
Modaraba Al-Mali
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 232,220 238,341 211,447 199,045
1.Certificate capital 184,240 184,240 184,240 184,240
2.Reserves 54,229 55,453 55,453 55,964
3.Unappropriated profit (6,249) (1,352) (28,246) (41,159)
4.Others 547 1,039 512 0
B.Total liabilities (B1 + B2) 78,096 69,776 50,926 49,813
1.Current liabilities 41,870 48,266 36,622 39,349
2.Non-current liabilities 36,226 21,510 14,304 10,464
C.Total assets (C1+C2) 310,863 309,156 262,885 248,858
1.Current assets (a + b) 182,599 145,410 63,408 78,431
a.Cash and banks balances 45,038 72,278 10,490 1,115
b.Other current assets 137,561 73,132 52,918 77,316
2.Non-current assets (a + b + c) 128,264 163,746 199,477 170,427
a.Fixed assets 73,794 125,644 124,211 131,245
b.Long-term investments 17,520 27,545 33,104 22,270
c.Other non-current assets 36,950 10,557 42,162 16,912
D.Profit & loss account
1.Gross revenue(loss) 57,841 36,620 30,258 61,498
2.Operating expenses 41,265 38,800 39,655 68,743
3.Operating profit 16,576 (2,180) (9,397) (7,245)
4.Modaraba co's management fees 0 0 0 0
5.Profit/(loss) before taxation (11,727) 6,120 (22,287) (12,913)
6.Profit/(loss) after taxation (11,727) 6,120 (22,287) (12,913)
E.Other items
1.No. of certificates (000) 18,424 18,424 18,242 18,242
2.Cash dividend 0.00 0.03 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities 62,379 98,787 (45,403) 12,776
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.00 0.03 -0.11 -0.06
2.Return on capital employed (ROCE) (D5/(C-B1) 0.00 0.02 -0.10 -0.06
3.Return on assets (ROA) (D6/C) 0.00 0.02 -0.08 -0.05
4.Return on revenue (D6/D1) 0.00 0.17 -0.74 -0.21
5.Operating expenses to net income (D2/D6) -0.04 6.34 -1.78 -5.32
6.Management expenses (D4/D2) 0.00 0.00 0.00 0.00
7.Earning Per Certificate (D6/E1) -0.64 0.33 -1.22 -0.71
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (tim 4.36 3.01 1.73 1.99
2.Total liabilities to total assets (B/C) (times) 0.25 0.23 0.19 0.20
3.Long term investment to total assets (C2b/C) 0.00 0.09 0.13 0.09
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.01 0.77 0.80 0.80
2.Break up value per certificate (A/E1) 12.60 12.94 11.59 10.91
I.Cash flow ratio
1.Cash generated from operating activities to profi -5.32 16.14 2.04 -0.99
2.Cash generated from operating activities to curre 1.49 2.05 -1.24 0.32
Sindh Modaraba
Items Not available Not available Not available Not available
A.Total equity (A1 to A3)
1.Certificate capital
2.Reserves
3.Unappropriated profit
4.Others
B.Total liabilities (B1 + B2)
1.Current liabilities
2.Non-current liabilities
C.Total assets (C1+C2)
1.Current assets (a + b)
a.Cash and banks balances
b.Other current assets
2.Non-current assets (a + b + c)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
D.Profit & loss account
1.Gross revenue(loss)
2.Operating expenses
3.Operating profit
4.Modaraba co's management fees
5.Profit/(loss) before taxation
6.Profit/(loss) after taxation
E.Other items
1.No. of certificates (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A)
2.Return on capital employed (ROCE) (D5/(C-B1))
3.Return on assets (ROA) (D6/C)
4.Return on revenue (D6/D1)
5.Operating expenses to net income (D2/D6)
6.Management expenses (D4/D2)
7.Earning Per Certificate (D6/E1)
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
2.Total liabilities to total assets (B/C) (times)
3.Long term investment to total assets (C2b/C)
H.Capital /leverage ratios
1.Capital ratio (A/C)
2.Break up value per certificate (A/E1)
I.Cash flow ratio
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
2.Cash generated from operating activities to current liabilities (E4/B1) (times)
Trust Modaraba
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 254,685 243,563 257,029 279,582
1.Certificate capital 273,000 273,000 298,000 298,000
2.Reserves (18,315) (29,437) (40,971) 49,852
3.Unappropriated profit 0 0 0 (68,270)
4.Others 0 0 0 0
B.Total liabilities (B1 + B2) 65,021 28,005 43,023 91,552
1.Current liabilities 62,328 25,943 15,551 33,605
2.Non-current liabilities 2,693 2,062 27,472 57,947
C.Total assets (C1+C2) 319,706 271,568 300,052 371,134
1.Current assets (a + b) 235,880 203,502 189,713 185,059
a.Cash and banks balances 1,009 3,205 8,161 8,314
b.Other current assets 234,871 200,297 181,552 176,745
2.Non-current assets (a + b + c) 83,826 68,066 110,339 186,075
a.Fixed assets 53,289 45,830 89,797 163,188
b.Long-term investments 30,199 21,953 20,328 11,359
c.Other non-current assets 338 283 214 11,528
D.Profit & loss account
1.Gross revenue(loss) 27,762 18,674 47,498 59,305
2.Operating expenses 12,305 15,757 14,088 8,950
3.Operating profit 15,457 2,917 33,410 50,355
4.Modaraba co's management fees 0 0 0 0
5.Profit/(loss) before taxation (61,938) (1,933) 33,087 20,451
6.Profit/(loss) after taxation (64,925) (1,671) 33,087 23,397
E.Other items
1.No. of certificates (000) 27,300 27,300 29,800 29,800
2.Cash dividend 0.00 0.00 0.00 0.05
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities 7,445 44,262 56,419 94,764
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D6/A) 0.00 -0.01 0.13 0.08
2.Return on capital employed (ROCE) (D5/(C-B1) 0.00 -0.01 0.12 0.06
3.Return on assets (ROA) (D6/C) 0.00 -0.01 0.11 0.06
4.Return on revenue (D6/D1) -0.02 -0.09 0.70 0.39
5.Operating expenses to net income (D2/D6) 0.00 -9.43 0.43 0.38
6.Management expenses (D4/D2) 0.00 0.00 0.00 0.00
7.Earning Per Certificate (D6/E1) -2.38 -0.06 1.11 0.79
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (tim 3.78 7.84 12.20 5.51
2.Total liabilities to total assets (B/C) (times) 0.20 0.10 0.14 0.25
3.Long term investment to total assets (C2b/C) 0.00 0.08 0.07 0.03
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.01 0.90 0.86 0.75
2.Break up value per certificate (A/E1) 9.33 8.92 8.63 9.38
I.Cash flow ratio
1.Cash generated from operating activities to profi -0.12 -26.49 1.71 4.05
2.Cash generated from operating activities to curre 0.12 1.71 3.63 2.82
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
1,212,946 1,572,838 2,128,998 2,679,195 2,959,682 3,248,960 3,525,379 3,894,824
600,000 750,000 975,000 1,218,750 1,462,500 1,755,000 1,755,000 2,000,000
461,075 560,471 801,403 1,078,381 1,179,593 1,282,359 1,463,127 1,660,689
151,871 262,367 352,595 382,064 317,589 211,601 307,252 234,135
90,000 90,000 225,000 439,500 744,188 1,133,213 1,133,212 1,255,712
807,850 1,048,232 2,085,579 2,237,942 2,230,114 2,829,177 3,702,362 3,885,946
658,070 644,908 1,353,271 1,255,521 1,390,011 1,630,503 1,533,372 1,704,395
149,780 403,324 732,308 982,421 840,103 1,198,674 2,168,990 2,181,551
2,110,796 2,711,070 4,439,577 5,356,637 5,933,984 7,211,350 8,360,953 9,036,482
228,460 352,993 587,197 476,507 670,911 1,039,238 1,666,889 2,100,261
61,489 82,612 205,049 48,027 74,507 57,353 307,439 91,231
166,971 270,381 382,148 428,480 596,404 981,885 1,359,450 2,009,030
1,882,336 2,358,077 3,852,380 4,880,130 5,263,073 6,172,112 6,694,064 6,936,221
1,799,334 2,187,223 3,729,891 4,709,887 5,178,218 6,146,674 6,687,244 6,935,204
62,051 54,607 0 0 0 0 0 0
20,951 116,247 122,489 170,243 84,855 25,438 6,820 1,017
(Thousand Rupees)
Not Available Not Available Not Available Not Available Not Available 2016 2017 2018
1,028,443 1,160,141 1,221,374
1,000,000 1,000,000 1,000,000
5,689 36,568 73,315
22,754 123,573 148,059
0 0 0
14,608 42,568 61,719
14,608 42,568 61,719
0 0 0
1,043,051 1,202,709 1,283,093
974,281 625,019 769,077
933,525 252,808 298,946
40,756 372,211 470,131
68,770 577,690 514,016
14 3,507 2,830
0 18,000 48,879
68,756 556,183 462,307
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
111,953 106,988 105,226 109,663 118,779 123,742 134,738 130,939
75,152 75,152 75,152 75,152 75,152 75,152 75,152 75,152
23,354 25,856 30,074 34,511 43,627 37,586 45,527 47,385
13,447 5,980 0 0 0 11,004 14,059 8,402
15,552 8,340 17,746 24,658 29,754 30,099 18,999 2,285
5,959 5,387 5,535 2,218 3,190 4,436 5,215 7,553
2,930 2,329 4,993 2,218 3,190 4,436 5,215 7,553
3,029 3,058 542 0 0 0 0 0
133,464 120,715 128,507 136,539 151,723 158,277 158,952 140,777
118,469 111,033 124,727 136,337 151,553 158,189 158,872 140,699
17,645 11,958 3,813 46,428 24,153 29,156 6,900 24,943
100,824 99,075 120,914 89,909 127,400 129,033 151,972 115,756
14,995 9,682 3,780 202 170 88 80 78
14,955 9,642 3,740 162 130 48 40 38
40 40 40 0 0 0 0 0
0 0 0 40 40 40 40 40
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
703,731 713,402 752,763 770,017 821,517 836,626 984,637 1,098,232
780,462 780,462 780,462 780,462 780,462 780,462 780,463 863,623
565,374 523,824 550,351 570,987 606,102 629,461 712,431 789,634
(642,105) (590,884) (578,050) (581,432) (565,047) (573,297) (508,257) (555,025)
28,952 59,403 49,298 84,280 169,616 219,972 279,216 293,330
2,234,116 2,270,746 2,209,592 1,451,511 1,215,290 1,021,688 789,665 644,420
1,085,777 1,323,147 1,018,885 942,029 1,002,524 753,640 529,319 451,936
1,148,339 947,599 1,190,707 509,482 212,766 268,048 260,346 192,484
2,966,799 3,043,551 3,011,653 2,305,808 2,206,423 2,078,286 2,053,518 2,035,982
1,180,460 1,209,091 1,235,925 675,155 814,786 743,279 893,090 841,504
121,699 231,630 395,169 69,501 35,268 15,153 144,098 22,855
1,058,761 977,461 840,756 605,654 779,518 728,126 748,992 818,649
1,786,339 1,834,460 1,775,728 1,630,653 1,391,637 1,335,007 1,160,428 1,194,478
578,976 183,568 207,926 259,956 217,136 193,786 152,176 184,731
662,676 1,204,702 1,234,272 1,241,610 1,156,009 1,122,283 982,291 964,344
544,687 446,190 333,530 129,087 18,492 18,938 25,961 45,403
(Thousand Rupees)
2011 Not Available Not Available Not Available Not Available Not Available Not Available Not Available
69,592
64,625
6,832
(1,865)
0
4,386
4,063
323
73,978
40,881
1,084
39,797
33,097
39
33,000
58
7,271
5,874
1,397
2,719
(247)
(66)
6,462
0.00
0.00
1,929
0.00
0.00
0.00
-0.01
-89.00
0.46
-0.01
10.06
0.06
0.45
0.94
10.77
-29.23
0.47
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 Not available Not available
118,552 122,143 124,987 127,916 117,776 125,034
200,000 200,000 200,000 200,000 200,000 200,000
10,463 13,363 15,874 18,470 18,470 22,062
(91,911) (91,220) (90,887) (90,554) (100,694) (97,028)
(1,001) 18 (216) (135) (141) 19
30,688 35,759 35,804 16,312 21,344 30,595
24,510 26,032 29,470 9,531 5,172 7,072
6,178 9,727 6,334 6,781 16,172 23,523
148,239 157,920 160,575 144,093 138,979 155,647
96,730 101,137 114,374 93,140 68,300 59,865
20,645 34,244 59,447 21,670 12,982 17,718
76,085 66,893 54,927 71,470 55,318 42,147
51,509 56,783 46,201 50,953 70,679 95,782
25,864 35,096 27,286 50,953 65,552 88,742
25,645 21,687 18,915 0 0 0
0 0 0 0 5,127 7,040
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
124,042 127,543 132,752 138,155 142,186 130,451 124,940 127,945
113,400 113,400 113,400 113,400 113,400 113,400 113,400 113,400
10,642 14,143 19,352 24,755 28,786 17,051 31,622 30,770
0 0 0 0 0 0 (20,082) (16,225)
0 0 0 0 0 0 0 0
44,098 59,269 60,723 57,958 61,155 51,331 61,072 62,875
9,358 15,502 19,252 22,442 27,500 17,310 15,139 15,936
34,740 43,767 41,471 35,516 33,655 34,021 45,933 46,939
168,140 186,812 193,475 196,113 203,341 181,782 186,012 190,820
59,789 55,774 74,245 88,872 99,516 96,729 77,144 48,934
16,825 13,630 24,481 52,219 13,414 21,691 23,090 14,239
42,964 42,144 49,764 36,653 86,102 75,038 54,054 34,695
108,351 131,038 119,230 107,241 103,825 85,053 108,868 141,886
96,077 120,619 119,230 107,241 103,825 85,053 108,868 141,886
12,274 10,419 0 0 0 0 0 0
- 0 0 0 0 0 0 0
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
562,818 563,086 627,508 646,765 630,754 625,724 656,684 613,925
524,400 524,400 524,400 524,400 524,400 524,400 524,400 524,400
75,156 81,834 110,003 134,700 126,433 126,611 162,307 126,650
(36,738) (43,148) (6,895) (12,335) (20,079) (25,287) (30,023) (37,125)
0 0 0 0 0 0 0 0
50,839 40,472 34,234 39,580 54,852 38,720 94,455 45,971
49,232 38,640 32,142 37,824 51,997 35,585 91,391 41,725
1,607 1,832 2,092 1,756 2,855 3,135 3,064 4,246
613,657 603,558 661,742 686,345 685,606 664,444 751,139 659,896
257,776 247,616 286,639 321,448 319,561 299,525 329,836 254,704
57,258 33,785 49,575 9,889 20,285 10,790 41,395 11,626
200,518 213,831 237,064 311,559 299,276 288,735 288,441 243,078
355,881 355,942 375,103 364,897 366,045 364,919 421,303 405,192
18,580 19,132 38,234 34,778 34,426 33,529 17,114 6,340
280,390 280,099 333,210 324,388 327,960 327,630 399,929 394,592
56,911 56,711 3,659 5,731 3,659 3,760 4,260 4,260
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
335,186 353,142 344,986 348,844 341,610 331,808 323,661 357,022
264,138 264,138 264,138 264,138 264,138 264,138 264,138 264,138
75,297 89,004 80,848 84,706 77,472 67,670 79,378 94,390
(4,249) 0 0 0 0 0 (19,855) (1,506)
0 0 0 0 0 0 0 0
40,043 67,797 29,295 26,957 25,573 25,215 25,764 42,012
30,428 60,205 23,288 19,301 20,041 22,621 23,489 23,058
9,615 7,592 6,007 7,656 5,532 2,594 2,275 18,954
375,229 420,939 374,281 375,801 367,183 357,023 349,425 399,034
136,244 149,923 113,808 111,099 110,973 110,457 107,814 93,515
16,490 11,724 25,717 10,170 400 127 24 10,041
119,754 138,199 88,091 100,929 110,573 110,330 107,790 83,474
238,985 271,016 260,473 264,702 256,210 246,566 241,611 305,519
52,549 249,357 242,606 250,528 242,322 239,806 234,861 305,263
106,403 0 5,750 5,750 5,750 5,750 5,750 0
80,033 21,659 12,117 8,424 8,138 1,010 1,000 256
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
3,059,624 3,126,493 3,052,852 3,208,619 3,256,855 3,262,248 3,354,268 3,442,258
1,008,000 1,008,000 1,008,000 1,008,000 1,008,000 1,008,000 1,008,000 1,008,000
1,825,693 1,907,997 2,044,852 2,200,619 2,248,855 2,254,248 2,107,012 2,121,490
225,931 210,496 0 0 0 0 239,256 312,768
0 0 0 0 0 53,807 117,635 117,878
1,015,590 1,439,003 1,666,435 2,184,376 3,136,436 3,844,695 4,894,748 6,719,120
820,814 1,229,924 1,401,497 1,894,271 2,793,135 3,540,634 4,652,980 6,303,092
194,776 209,079 264,938 290,105 343,301 304,061 241,768 416,028
4,075,214 4,565,496 4,719,287 5,392,995 6,393,291 7,160,750 8,366,651 10,279,256
1,531,467 1,818,590 1,404,852 1,893,900 2,281,279 2,613,505 3,259,093 3,994,811
161,528 122,394 130,640 371,132 487,513 248,143 192,260 320,869
1,369,939 1,696,196 1,274,212 1,522,768 1,793,766 2,365,362 3,066,833 3,673,942
2,543,747 2,746,906 3,314,435 3,499,095 4,112,012 4,547,245 5,107,558 6,284,445
2,372,955 2,509,192 2,955,066 2,879,821 3,080,949 2,734,122 2,453,304 2,933,273
162,256 234,071 355,467 616,573 1,029,713 1,812,457 2,653,338 3,349,956
8,536 3,643 3,902 2,701 1,350 666 916 1,216
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
116,951 117,566 130,971 117,475 129,628 140,172 137,472 134,861
30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000
60,558 65,478 67,115 67,941 69,299 71,399 73,065 85,285
26,393 22,088 33,856 19,534 30,329 38,773 34,407 19,576
0 0 0 0 0 0 0 0
199,437 230,442 177,645 156,070 162,615 199,770 233,306 280,229
190,541 217,317 162,152 140,708 146,238 180,340 212,043 255,192
8,896 13,125 15,493 15,362 16,377 19,430 21,263 25,037
316,388 348,008 308,616 273,545 292,243 339,942 370,778 415,090
310,020 341,734 304,041 266,132 285,147 325,367 357,050 402,121
17,555 28,404 29,764 19,768 9,969 61,301 7,427 14,070
292,465 313,330 274,277 246,364 275,178 264,066 349,623 388,051
6,368 6,274 4,575 7,413 7,096 14,575 13,728 12,969
6,034 6,090 3,956 6,990 6,703 14,459 13,347 12,478
0 0 0 0 0 0 0 0
334 184 619 423 393 116 381 491
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
337,139 339,776 297,913 263,701 141,525 87,693 16,333 8,144
250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000
38,428 43,955 47,913 13,701 (108,475) 43,955 43,955 43,955
48,711 45,821 0 0 0 (206,262) (277,622) (285,811)
0 0 0 0 0 0 0 0
1,830,434 1,623,192 1,705,808 1,436,869 1,106,824 753,612 492,145 347,922
1,310,168 1,148,885 1,190,010 905,248 855,122 604,048 429,546 342,714
520,266 474,307 515,798 531,621 251,702 149,564 62,599 5,208
2,167,573 1,962,968 2,003,721 1,700,570 1,248,349 841,305 508,478 356,066
1,263,771 961,656 877,422 627,178 403,307 292,401 246,152 219,842
8,140 17,415 20,491 42,801 89,488 14,743 49,708 51,654
1,255,631 944,241 856,931 584,377 313,819 277,658 196,444 168,188
903,802 1,001,312 1,126,299 1,073,392 845,042 548,904 262,326 136,224
727,257 892,906 1,020,464 979,401 709,397 466,286 247,452 124,919
175,019 104,975 102,204 67,852 113,572 36,150 3,377 8,858
1,526 3,431 3,631 26,139 22,073 46,468 11,497 2,447
473,558 605,821 567,095 558,124 451,402 314,369 179,801 67,895
15,695 20,800 22,974 24,022 23,211 16,130 15,175 15,551
457,863 585,021 544,121 534,102 428,191 298,239 164,626 52,344
3,400 3,071 0 0 0 0 0 0
30,600 27,637 (16,863) (34,212) (122,176) (53,832) (71,360) (8,189)
30,600 27,637 (16,863) (34,212) (122,176) (53,832) (71,360) (8,189)
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
75,983 72,853 73,305 59,182 60,738 59,811 62,481 62,563
125,400 125,400 125,400 125,400 125,400 125,400 125,400 125,400
20,911 21,288 24,717 24,717 25,028 25,068 25,602 26,045
(70,328) (73,835) (76,812) (90,935) (89,690) (90,657) (88,521) (88,882)
0 0 0 0 0 0 0 0
5,943 5,713 5,366 8,031 5,955 7,621 7,579 12,914
5,478 5,426 5,366 8,031 5,955 6,006 5,964 6,725
465 287 0 0 0 1,615 1,615 6,189
81,926 78,566 78,671 67,213 66,693 67,432 70,060 75,477
79,970 76,537 78,178 57,126 61,108 54,559 43,092 40,509
19,292 9,086 48,372 31,489 49,380 42,483 16,158 15,591
60,678 67,451 29,806 25,637 11,728 12,076 26,934 24,918
1,956 2,029 493 10,087 5,585 12,873 26,968 34,968
1,691 621 448 106 73 5,476 4,879 21,273
0 0 0 0 0 0 0 0
265 1,408 45 9,981 5,512 7,397 22,089 13,695
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
144,006 153,805 175,671 179,493 206,415 215,768 212,607 213,141
58,633 58,633 76,223 83,846 119,899 137,884 137,884 137,884
50,323 61,407 69,791 64,464 58,110 42,733 44,169 47,387
35,050 33,765 29,657 31,183 28,406 35,151 30,554 27,870
0 0 0 0 0 0 0 0
101,430 115,362 91,283 141,575 233,437 294,678 253,253 231,075
61,614 42,063 42,548 61,773 88,725 92,160 66,712 103,055
39,816 73,299 48,735 79,802 144,712 202,518 186,541 128,020
245,436 269,167 266,954 321,068 439,852 510,446 465,860 444,216
131,820 164,523 158,084 183,982 283,869 396,628 348,041 316,176
3,585 18,954 37,120 41,631 51,481 45,581 54,066 25,579
128,235 145,569 120,964 142,351 232,388 351,047 293,975 290,597
113,616 104,644 108,870 137,086 155,983 113,818 117,819 128,040
31,584 31,699 52,561 60,188 55,645 34,152 24,617 24,787
- 0 0 0 0 0 0 0
82,032 72,945 56,309 76,898 100,338 79,666 93,202 103,253
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
512,997 519,608 515,677 422,989 450,947 454,488 453,968 423,066
872,177 872,177 872,177 872,177 872,177 872,177 872,177 872,177
126,899 133,492 138,651 138,651 144,084 148,247 151,283 151,283
(486,079) (486,061) (495,151) (587,839) (565,314) (565,936) (569,492) (600,394)
0 0 0 0 0 (2,097) (1,808) (1,868)
59,127 71,656 69,208 61,574 61,024 59,696 62,799 73,505
32,278 38,758 45,089 57,555 54,841 50,115 51,522 52,951
26,849 32,898 24,119 4,019 6,183 9,581 11,277 20,554
572,124 591,264 584,885 484,563 511,971 512,087 514,959 494,703
462,482 440,827 343,815 326,186 371,534 357,991 273,587 215,299
24,763 90,368 224,519 190,145 315,062 241,497 95,328 45,039
437,719 350,459 119,296 136,041 56,472 116,494 178,259 170,260
109,642 150,437 241,070 158,377 140,437 154,096 241,372 279,404
66,500 108,094 124,677 60,729 63,915 109,310 78,031 91,378
7,721 6,447 9,554 14,188 47,103 35,328 63,684 62,124
35,421 35,896 106,839 83,460 29,419 9,458 99,657 125,902
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
296,446 142,698 31,076 92,731 170,717 181,733 191,650 203,394
340,200 340,200 340,200 340,200 340,200 340,200 340,200 340,200
114,199 128,065 (309,124) (247,469) (169,483) 204,120 209,697 215,447
(157,953) (325,567) 0 0 0 (362,587) (358,247) (352,253)
0 0 0 0 0 0 0 0
2,331,908 1,767,981 1,536,879 1,231,686 1,035,024 1,245,629 1,682,169 1,789,466
2,137,496 1,622,398 1,411,466 222,600 209,078 281,985 574,487 574,941
194,412 145,583 125,413 1,009,086 825,946 963,644 1,107,682 1,214,525
2,628,354 1,910,679 1,567,955 1,324,417 1,205,741 1,427,362 1,873,819 1,992,860
1,344,489 1,099,166 958,929 866,160 821,576 839,608 1,081,453 1,164,898
182,411 58,509 90,519 64,166 111,190 30,065 41,753 47,169
1,162,078 1,040,657 868,410 801,994 710,386 809,543 1,039,700 1,117,729
1,283,865 811,513 609,026 458,257 384,165 587,754 792,366 827,962
1,198,450 743,457 536,444 352,655 204,555 218,350 181,418 229,128
38,722 21,622 26,972 61,426 122,225 310,447 554,186 536,307
46,693 46,434 45,610 44,176 57,385 58,957 56,762 62,527
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
878,189 1,010,846 1,519,488 1,557,151 1,661,302 4,431,064 4,514,382 4,041,602
800,000 800,000 1,304,000 1,304,000 1,304,000 1,956,000 1,956,000 1,956,000
85,872 179,960 212,091 252,091 313,436 2,383,598 2,464,811 2,464,811
(7,683) 30,886 3,397 1,060 43,866 91,466 93,571 (379,209)
0 504,000 0 43,952 31,135 29,753 28,371 26,989
550,453 150,354 124,984 128,220 360,335 730,183 4,324,551 8,150,774
93,342 150,354 124,984 128,220 191,242 617,334 4,268,125 8,150,774
457,111 0 0 0 169,093 112,849 56,426 0
1,428,642 1,665,200 1,644,472 1,729,323 2,052,772 5,191,000 8,867,304 12,219,365
1,075,593 1,313,386 1,171,628 1,229,268 1,357,475 1,382,380 2,015,512 3,767,288
58,762 367,208 240,288 181,037 143,381 200,209 147,628 589,898
1,016,831 946,178 931,340 1,048,231 1,214,094 1,182,171 1,867,884 3,177,390
353,049 351,814 472,844 500,055 695,297 3,808,620 6,851,792 8,452,077
341,557 322,813 445,653 461,566 665,119 3,780,937 6,827,550 8,436,604
11,492 29,001 0 0 0 0 0 0
0 0 27,191 38,489 30,178 27,683 24,242 15,473
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
207,015 207,015 207,015 207,015 207,015 204,502 206,505 208,825
211,631 211,631 211,631 211,631 211,631 211,631 211,631 211,631
30,053 30,053 30,053 30,053 30,053 30,053 31,280 31,744
(34,669) (34,669) (34,669) (34,669) (34,669) (37,182) (36,406) (34,550)
(17,707) (17,707) (17,707) (17,707) (17,707) (8,168) (6,990) (7,599)
78,163 78,163 78,163 78,163 78,163 19,601 12,538 11,355
78,163 78,163 78,163 78,163 78,163 19,601 12,538 11,355
0 0 0 0 0 0 0 0
267,471 267,471 267,471 267,471 267,471 215,935 212,053 212,581
186,435 186,435 186,435 186,435 186,435 8,585 5,492 21,488
1,134 1,134 1,134 1,134 1,134 139 141 231
185,301 185,301 185,301 185,301 185,301 8,446 5,351 21,257
81,036 81,036 81,036 81,036 81,036 207,350 206,561 191,093
326 326 326 326 326 1,709 139,264 1,322
79,166 79,166 79,166 79,166 79,166 72,720 67,276 189,750
1,544 1,544 1,544 1,544 1,544 132,921 21 21
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
494,865 504,804 495,524 508,554 579,135 547,503 553,646 517,388
263,866 263,866 263,866 263,866 263,866 263,866 263,866 263,866
183,426 193,330 201,638 215,716 245,665 252,531 259,037 259,037
47,573 47,608 30,020 28,972 69,604 31,106 30,743 (5,515)
(203) (115) 57,885 69,336 51,595 95,524 167,142 70,814
165,266 211,241 242,773 250,858 236,728 237,346 136,394 108,237
35,266 44,688 41,431 86,003 90,401 99,625 117,173 97,927
130,000 166,553 201,342 164,855 146,327 137,721 19,221 10,310
659,928 715,930 796,182 828,748 867,458 880,373 857,182 696,439
466,860 354,580 147,748 224,868 237,648 256,853 203,309 207,016
250,848 172,466 95,851 122,877 93,392 148,389 91,589 55,860
216,012 182,114 51,897 101,991 144,256 108,464 111,720 151,156
193,068 361,350 648,434 603,880 629,810 623,520 653,873 489,423
149,875 291,801 508,177 466,958 396,032 398,292 312,720 251,688
42,218 69,475 131,692 136,780 233,636 224,351 300,972 202,366
975 74 8,565 142 142 877 40,181 35,369
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
677,068
397,072
279,996
0
0
132,543
53,523
79,020
809,611
206,987
21,639
185,348
602,624
492,809
99,179
10,636
312,872
11,926
300,946
7,952
71,567
71,567
39,707
0.13
0.00
87,655
10.57%
9.47%
8.84%
22.87%
16.66%
66.68%
1.80
3.87
0.16
12.25%
83.63%
17.05
1.22
1.64
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
494,865 504,804 495,524 179,787 176,125 178,832 182,865 189,280
263,866 263,866 263,866 201,875 201,875 201,875 201,875 216,875
183,426 193,330 201,638 49,056 47,813 46,686 49,799 48,386
47,573 47,608 30,020 (71,144) (73,563) (69,729) (68,809) (75,981)
(203) (115) 57,885 0 0 0 0 0
165,266 211,241 242,773 43,923 36,316 45,433 45,486 34,942
35,266 44,688 41,431 34,944 26,065 35,386 35,722 24,787
130,000 166,553 201,342 8,979 10,251 10,047 9,764 10,155
659,928 715,930 796,182 223,710 212,441 224,265 228,350 224,222
466,860 354,580 147,748 82,759 89,317 88,554 85,668 104,646
250,848 172,466 95,851 30,354 24,577 20,702 13,917 23,504
216,012 182,114 51,897 52,405 64,740 67,852 71,751 81,142
193,068 361,350 648,434 140,951 123,124 135,711 142,682 119,576
149,875 291,801 508,177 24,232 33,165 36,507 44,854 42,982
42,218 69,475 131,692 92,084 87,084 82,084 77,084 72,084
975 74 8,565 24,635 2,875 17,120 20,744 4,510
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
178,889 176,201 179,294 153,943 158,766 159,540 162,377 168,478
184,239 184,239 184,239 184,239 184,239 184,239 184,239 184,239
55,964 55,964 56,583 56,583 57,523 58,459 59,764 62,082
(61,314) (64,002) (61,528) (86,879) (82,996) (83,158) (81,626) (77,843)
0 0 0 0 0 0 0 0
34,163 50,926 60,019 54,313 46,945 59,800 33,907 27,132
28,061 32,685 32,235 36,743 34,777 33,158 26,318 26,897
6,102 18,241 27,784 17,570 12,168 26,642 7,589 235
213,052 227,127 239,313 208,256 205,712 219,339 196,284 195,610
71,328 77,221 84,787 88,827 49,966 44,832 66,402 101,048
3,237 9,000 8,757 29,821 12,285 5,936 19,591 47,176
68,091 68,221 76,030 59,006 37,681 38,896 46,811 53,872
141,724 149,906 154,526 119,429 155,746 174,507 129,882 94,562
132,728 123,443 115,460 77,405 155,746 174,507 124,550 84,160
0 6,000 0 0 0 0 0 0
8,996 20,463 39,066 42,024 0 0 5,332 10,402
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
938,070 960,694 1,002,568 1,093,505 1,152,825 1,176,182 1,150,119 1,147,880
453,835 453,835 453,835 453,835 453,835 453,835 453,835 453,835
405,611 425,793 450,052 486,393 525,487 534,143 540,555 546,570
78,624 81,066 98,681 153,277 173,503 188,204 155,729 147,475
0 0 0 0 0 0 0 0
3,223,039 5,170,931 5,837,461 4,941,811 4,027,424 4,122,954 4,812,172 5,805,557
2,844,695 4,480,681 5,101,643 2,513,443 1,700,374 2,825,897 3,467,564 4,206,170
378,344 690,250 735,818 2,428,368 2,327,050 1,297,057 1,344,608 1,599,387
4,161,109 6,131,625 6,840,029 6,035,316 5,180,249 5,299,136 5,962,291 6,953,437
774,051 740,526 1,213,680 823,724 751,520 591,358 590,809 1,173,942
22,378 10,315 487,023 143,905 267,884 266,802 367,303 409,085
751,673 730,211 726,657 679,819 483,636 324,556 223,506 764,857
3,387,058 5,391,099 5,626,349 5,211,592 4,428,729 4,707,778 5,371,482 5,779,495
2,968,010 4,336,366 4,384,538 4,217,492 3,553,141 3,678,230 4,475,895 3,850,100
418,446 1,054,417 1,241,811 994,100 875,588 1,029,548 895,587 1,929,395
602 316 0 0 0 0 0 0
(Thousand Rupees)
Not available Not available Not available Not available 2015 2016 2017 2018
130,309 74,013 78,594 81,222
100,000 100,000 100,000 100,000
16,345 16,345 17,261 17,787
13,964 (42,332) (38,667) (36,565)
0 0 0 0
9,822 66,640 80,212 44,310
1,986 22,935 30,370 33,983
7,836 43,705 49,842 10,327
140,131 140,653 158,806 125,532
96,942 29,215 50,597 33,288
4,738 3,035 6,459 6,169
92,204 26,180 44,138 27,119
43,189 111,438 108,209 92,244
35,399 106,305 98,940 41,414
5,840 3,300 6,768 27,238
1,950 1,833 2,501 23,592
(Thousand Rupees)
Not available Not available Not available Not available 2015 2016 2017 2018
459,591 473,135 483,671 515,786
450,000 450,000 450,000 450,000
9,591 23,135 11,324 27,034
0 0 22,347 38,752
0 0 500,000 500,000
18,819 42,290 44,922 553,643
9,492 9,605 25,345 553,467
9,327 32,685 19,577 176
478,410 515,425 1,028,594 1,569,429
324,460 77,776 468,491 1,096,696
309,604 40,446 370,776 670,733
14,856 37,330 97,715 425,963
153,950 437,649 560,103 472,733
46,288 212,436 140,455 65,481
106,475 224,349 419,108 407,036
1,187 864 540 216
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
283,389 280,647 304,514 306,683 310,059 310,165 315,168 306,002
298,000 298,000 298,000 298,000 298,000 298,000 298,000 298,000
60,361 61,161 6,514 8,683 12,059 12,165 17,168 8,002
(74,972) (78,514) 0 0 0 0 0 0
0 0 0 0 0 0 0 0
93,825 119,899 124,003 111,547 101,383 86,007 74,765 71,333
27,052 58,533 59,626 50,255 46,992 48,581 45,800 49,823
66,773 61,366 64,377 61,292 54,391 37,426 28,965 21,510
377,214 400,546 428,517 418,230 411,442 396,172 389,933 377,335
191,959 206,117 184,311 203,647 217,857 207,552 220,782 237,430
16,777 24,539 3,412 2,419 827 11,920 15,997 4,162
175,182 181,578 180,899 201,228 217,030 195,632 204,785 233,268
185,255 194,429 244,206 214,583 193,585 188,620 169,151 139,905
166,923 176,760 203,685 169,146 153,060 134,687 133,572 106,229
11,523 9,982 8,535 5,349 6,314 8,849 7,577 12,324
6,809 7,687 31,986 40,088 34,211 45,084 28,002 21,352
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
(174)
136,400
8,739
(145,313)
0
3,326
3,326
0
3,152
594
428
166
2,558
0
2,558
0
375
732
(357)
0
(357)
(357)
13,640
0.00
0.00
(334)
205.17%
205.17%
-11.33%
-0.95
-205.04%
0.00
-0.03
0.18
1.06
81.15%
-5.52%
-0.01
0.94
-0.10
Exchange Companies - Overall
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 4,597,012 4,998,006 4,505,890 5,399,828
1.Share capital 4,424,258 4,895,275 4,130,275 4,815,410
2.Reserves 45,000 0 25,000 45,000
3.Accumulated profit (loss) 127,754 102,731 350,615 539,418
4.Others 52,580 45,348 50,967 5,355
B.Total liabilities (B1 to B2) 1,235,190 1,628,023 1,612,473 1,786,330
1.Current liabilities 827,732 1,098,330 1,316,888 1,452,014
2.Non-current liabilities 407,458 529,693 295,585 334,316
C.Total assets (C1+C2) 5,884,782 6,671,377 6,169,330 7,191,513
1.Current assets(a + b) 4,255,420 4,716,762 4,473,486 5,411,642
a.Cash & bank balances 2,669,485 2,770,981 2,776,536 3,670,935
b.Other assets 1,585,935 1,945,781 1,696,950 1,740,707
2.Non-current assets (a + b) 1,629,362 1,954,615 1,695,844 1,779,871
a.Fixed assets 476,006 750,108 631,224 642,596
b.Other assets 1,153,356 1,204,507 1,064,620 1,137,275
D.Profit & loss account
1.Revenue 987,907 1,656,131 1,661,192 1,878,553
2.Administrative and general expenses 722,931 1,416,706 1,157,100 1,479,155
3.Profit/(loss) before taxation 91,677 114,884 426,736 385,979
4.Profit/(loss) after taxation 21,897 91,581 281,093 254,525
E.Other items
1.No. of ordinary shares (000) 252,165 271,240 217,240 257,754
2.Cash dividend N/A N/A N/A N/A
3.Stock dividend/bonus shares N/A N/A N/A N/A
4.Cash generated from operating activities 40,689 (3,407,508) 691,603 213,222
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D4/A) 0.00 0.02 0.06 0.05
2.Return on capital employed (ROCE) (D3/C-B1) 0.02 0.02 0.09 0.07
3.Return on assets (ROA) (D4/C) 0.00 0.01 0.05 0.04
4.Admin. expense to profit before tax. (D2/D3) (times 7.89 12.33 2.71 3.83
5.Earning per share (D4/E1) 0.09 0.34 1.29 0.99
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C) 0.45 0.42 0.45 0.51
2.Cuurent assets to current liabilities (C1/B1) (times) 5.14 4.29 3.40 3.73
3.Total liabilities to total assets (B/C) 0.21 0.24 0.26 0.25
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.78 0.75 0.73 0.75
2.Break up value per share (A/E1) 18.23 18.43 20.74 20.95
I.Cash flow ratios
1.Cash generated from operating activities to profit a 1.86 -37.21 2.46 0.84
2.Cash generated from operating activities to current l 0.05 -3.10 0.53 0.15
HBL Currency Exchange (Pvt) Ltd. (Formerly Habib Currency Exchange (Pvt) Ltd. up to 2010)
Items 2007 2008 2009 2010
A.Total equity (A1 to A3) 200,236 209,247 259,990 493,422
1.Share capital 214,865 214,865 214,865 400,000
2.Reserves 0 0 0 0
3.Accumulated profit (loss) (14,629) (5,618) 45,125 93,422
4.Others (9) (274) 0 0
B.Total liabilities (B1 to B2) 9,546 21,588 10,447 10,603
1.Current liabilities 9,546 21,588 10,200 10,079
2.Non-current liabilities 0 0 247 524
C.Total assets (C1+C2) 209,773 230,561 270,437 504,025
1.Current assets(a + b) 202,642 221,829 210,745 388,042
a.Cash & bank balances 17,674 91,113 202,769 310,952
b.Other assets 184,968 130,716 7,976 77,090
2.Non-current assets (a + b) 7,131 8,732 59,692 115,983
a.Fixed assets 6,650 5,347 4,781 10,369
b.Other assets 481 3,385 54,911 105,614
D.Profit & loss account
1.Revenue 6,066 35,358 115,692 127,153
2.Administrative and general expenses (14,227) 28,912 37,613 52,849
3.Profit/(loss) before taxation 309 6,322 78,065 74,304
4.Profit/(loss) after taxation 236 9,012 50,742 48,298
E.Other items
1.No. of ordinary shares (000) 21,486 21,486 21,486 40,000
2.Cash dividend 0.00 0.00 0.00 0.00
3.Stock dividend/bonus shares 0.00 0.00 0.00 0.00
4.Cash generated from operating activities 8,625 16,196 42,766 (19,391)
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D4/A) 0.00 0.04 0.20 0.10
2.Return on capital employed (ROCE) (D3/C-B1) 0.00 0.03 0.30 0.15
3.Return on assets (ROA) (D4/C) 0.00 0.04 0.19 0.10
4.Admin. expense to profit before tax. (D2/D3) (times -46.04 4.57 0.48 0.71
5.Earning per share (D4/E1) 0.01 0.42 2.36 1.21
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C) 0.08 0.40 0.75 0.62
2.Cuurent assets to current liabilities (C1/B1) (times) 21.23 10.28 20.66 38.50
3.Total liabilities to total assets (B/C) 0.05 0.09 0.04 0.02
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.95 0.91 0.96 0.98
2.Break up value per share (A/E1) 9.32 9.74 12.10 12.34
I.Cash flow ratios
1.Cash generated from operating activities to profit a 36.55 1.80 0.84 -0.40
2.Cash generated from operating activities to current l 0.90 0.75 4.19 -1.92
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
219,742 225,706 207,990 243,806 311,566 398,106 408,501 437,722
200,000 200,000 200,000 230,000 300,000 365,000 395,000 412,000
0 0 0 0 0 0 0 0
19,742 25,706 7,990 13,806 11,566 33,106 13,501 25,722
0 0 0 0 14,000 0 0 0
151,143 225,334 214,187 234,964 210,642 230,693 205,831 292,839
146,762 219,896 208,758 230,424 206,049 224,435 199,812 286,225
4,381 5,438 5,429 4,540 4,593 6,258 6,019 6,614
370,885 451,040 422,177 478,770 536,208 628,799 614,332 730,561
276,113 352,724 311,602 360,622 394,029 446,530 406,333 506,854
206,215 197,817 210,338 191,257 296,778 290,011 319,289 359,035
69,898 154,907 101,264 169,365 97,251 156,519 87,044 147,819
94,772 98,316 110,575 118,148 142,179 182,269 207,999 223,707
31,881 33,695 44,552 45,616 48,453 69,237 80,365 91,128
62,891 64,621 66,023 72,532 93,726 113,032 127,634 132,579
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
199,626 204,769 205,435 206,089 207,704 209,213 210,058 211,055
200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000
0 0 0 0 0 0 0 0
(374) 4,769 5,435 6,089 7,704 9,213 10,058 11,055
4,137 3,930 3,803 3,677 3,552 3,430 3,309 3,194
19,969 30,556 29,410 24,483 19,408 7,369 6,556 5,427
18,514 25,458 24,044 18,169 13,421 2,147 1,358 677
1,455 5,098 5,366 6,314 5,987 5,222 5,198 4,750
223,732 239,255 238,648 234,249 230,664 220,012 219,923 219,676
64,846 161,908 158,615 201,496 204,656 195,772 197,128 198,381
9,055 111,889 103,209 138,935 133,327 173,977 173,334 177,409
55,791 50,019 55,406 62,561 71,329 21,795 23,794 20,972
158,886 77,347 80,033 32,753 26,008 24,240 22,795 21,295
108,886 32,212 30,066 27,953 26,008 24,240 22,795 21,295
50,000 45,135 49,967 4,800 0 0 0 0
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
205,015 204,574 206,317 206,399 206,377 203,163 207,879 212,254
205,410 205,410 205,410 205,410 205,410 205,410 205,410 205,410
0 0 0 0 0 0 0 0
(395) (836) 907 989 967 (2,247) 2,469 6,844
0 0 0 0 0 0 0 0
276 677 1,502 639 1,008 729 4,210 4,458
276 677 1,502 639 695 729 4,210 4,458
0 0 0 0 313 0 0 0
205,291 205,251 207,819 207,038 207,385 203,892 212,089 216,712
145,122 146,111 147,603 148,729 150,003 145,026 150,364 151,044
141,403 141,695 144,703 145,700 147,132 142,081 144,890 146,646
3,719 4,416 2,900 3,029 2,871 2,945 5,474 4,398
60,169 59,140 60,216 58,309 57,382 58,866 61,725 65,668
7,132 6,317 5,598 5,075 4,562 6,186 7,128 12,032
53,037 52,823 54,618 53,234 52,820 52,680 54,597 53,636
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
195,581 211,852 213,423 186,314 198,077 200,005 177,252 262,656
200,000 200,000 200,000 200,000 200,000 200,000 200,000 300,000
0 0 0 0 0 0 0 0
(4,419) 11,852 13,423 (13,686) (1,923) 5 (22,748) (37,344)
0 0 0 0 0 0 0 0
41,601 38,161 19,861 17,747 11,993 6,935 2,704 3,700
41,601 38,161 19,861 17,584 11,563 6,935 2,704 3,700
0 0 0 163 430 0 0 0
237,182 250,013 233,284 204,061 210,070 206,940 179,956 266,356
181,454 195,763 174,862 145,089 153,473 149,677 123,225 186,786
175,204 184,826 170,674 139,214 146,407 142,365 23,171 84,910
6,250 10,937 4,188 5,875 7,066 7,312 100,054 101,876
55,728 54,250 58,422 58,972 56,597 57,263 56,731 79,570
5,180 4,214 6,617 6,049 4,813 4,722 3,311 2,263
50,548 50,036 51,805 52,923 51,784 52,541 53,420 77,307
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
94,580 105,268 103,906 195,645 194,100 200,022 194,104 205,851
100,000 105,500 105,500 200,500 200,500 200,500 200,500 206,500
0 0 0 - 0 0 0 0
(5,420) (232) (1,594) (4,855) (6,400) (478) (6,396) (649)
0 0 0 - 0 0 0 0
574 2,464 3,934 6,125 19,492 19,108 18,699 34,895
574 2,464 2,154 2,213 17,177 16,572 15,812 30,324
0 0 1,780 3,912 2,315 2,536 2,887 4,571
95,154 107,732 107,840 201,770 213,592 219,130 212,803 240,746
64,947 72,926 73,187 144,065 153,148 159,113 146,579 160,048
64,457 72,068 71,531 139,708 145,090 147,981 135,156 142,082
490 858 1,656 4,357 8,058 11,132 11,423 17,966
30,207 34,806 34,653 57,705 60,444 60,017 66,224 80,698
4,535 6,124 7,619 6,592 8,193 7,564 10,961 20,217
25,672 28,682 27,034 51,113 52,251 52,453 55,263 60,481
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
297,658 400,019 420,391 442,877 661,502 789,784 826,521 872,708
300,000 400,000 400,000 400,000 600,000 700,000 700,000 700,000
0 0 0 0 0 0 0 0
(2,342) 19 20,391 42,877 61,502 89,784 126,521 172,708
0 0 0 0 0 0 0 0
(1,780) 20,385 22,852 23,839 37,486 34,209 39,374 30,587
(3,967) 18,398 20,865 22,660 34,455 31,722 36,887 28,100
2,187 1,987 1,987 1,179 3,031 2,487 2,487 2,487
295,878 420,404 443,243 466,716 698,988 823,993 865,895 903,295
156,186 255,607 276,033 307,003 475,757 557,062 602,173 636,940
61,663 68,577 221,664 300,580 465,923 548,572 583,004 604,738
94,523 187,030 54,369 6,423 9,834 8,490 19,169 32,202
139,692 164,797 167,210 159,713 223,231 266,931 263,722 266,355
50,402 52,270 51,421 46,161 61,365 75,083 70,053 68,122
89,290 112,527 115,789 113,552 161,866 191,848 193,669 198,233
143,169 198,269 204,204 209,069 272,252 296,986 353,935 403,759
138,444 171,966 179,856 184,561 241,443 255,395 300,686 337,785
15,105 26,302 24,348 24,508 30,809 41,591 53,249 65,974
13,674 2,361 20,372 22,486 18,625 28,282 36,736 46,187
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
196,669 181,511 167,732 178,547 186,373 202,003 264,120 313,354
200,000 200,000 200,000 200,000 200,000 200,000 250,000 275,000
0 0 0 0 0 0 0 0
(3,331) (18,489) (32,268) (21,453) (13,627) 2,003 14,120 38,354
0 0 0 0 0 0 0 0
4,467 5,365 8,380 16,255 21,654 26,048 24,880 39,401
1,467 1,365 4,380 5,655 5,394 11,788 11,620 28,141
3,000 4,000 4,000 10,600 16,260 14,260 13,260 11,260
201,136 186,876 176,112 194,802 208,027 228,051 289,000 352,755
134,683 121,554 111,149 126,158 140,754 157,911 200,583 258,899
67,965 83,178 99,811 112,486 126,723 132,859 183,627 216,380
66,718 38,376 11,338 13,672 14,031 25,052 16,956 42,519
66,453 65,322 64,963 68,644 67,273 70,140 88,417 93,856
14,457 12,549 11,100 13,433 12,097 15,043 16,654 18,094
51,996 52,773 53,863 55,211 55,176 55,097 71,763 75,762
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
210,811 222,090 216,944 211,391 202,227 208,736 206,142 215,962
210,000 210,000 210,000 210,000 210,000 210,000 210,000 210,000
0 0 0 0 0 0 0 0
811 12,090 6,944 1,391 (7,773) (1,264) (3,858) 5,962
0 0 0 0 0 0 0 0
813 7,787 5,784 1,176 1,668 2,023 2,239 5,569
813 7,787 5,784 1,176 1,668 2,023 2,239 5,569
0 0 0 0 0 0 0 0
211,624 229,877 222,728 212,567 203,895 210,759 208,381 221,531
106,807 173,898 166,623 160,483 144,743 152,781 150,538 166,656
101,810 156,230 98,577 153,247 126,262 136,236 142,927 157,502
4,997 17,668 68,046 7,236 18,481 16,545 7,611 9,154
104,817 55,979 56,105 52,084 59,152 57,978 57,843 54,875
52,217 3,379 3,505 3,764 5,992 4,818 4,183 3,715
52,600 52,600 52,600 48,320 53,160 53,160 53,660 51,160
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
386,019 436,017 453,587 464,070 483,050 492,950 507,963 560,941
300,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000
65,000 10,900 10,900 10,900 10,900 10,900 10,900 10,900
21,019 25,117 42,687 53,170 72,150 82,050 97,063 150,041
0 0 0 0 - 0 0 0
17,124 59,913 51,695 57,375 64,268 49,114 49,388 86,929
16,048 52,652 50,005 54,542 60,751 37,110 37,159 62,614
1,076 7,261 1,690 2,833 3,517 12,004 12,229 24,315
403,143 495,930 505,282 521,445 547,318 542,064 557,351 647,870
309,252 377,472 386,018 499,796 525,747 419,572 435,631 619,722
292,911 338,515 338,578 350,543 376,418 374,100 389,577 467,897
16,341 38,957 47,440 149,253 149,329 45,472 46,054 151,825
93,891 118,458 119,264 21,649 21,571 122,492 121,720 28,148
12,425 12,878 12,465 21,649 15,801 20,990 19,983 23,681
81,466 105,580 106,799 0 5,770 101,502 101,737 4,467
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
535,043 559,779 601,903 651,462 705,472 785,952 859,697 1,073,105
400,000 400,000 400,000 400,000 400,000 400,000 400,000 400,000
0 0 0 0 0 0 0 0
135,043 159,779 201,903 251,462 305,472 385,952 459,697 673,105
0 0 0 0 0 0 0 0
10,728 7,915 12,020 32,683 93,573 26,019 39,708 63,800
9,588 7,735 11,729 32,185 93,550 26,019 39,708 63,800
1,140 180 291 498 23 0 0 0
545,771 567,694 613,923 684,145 799,045 811,971 899,405 1,136,905
425,978 451,583 494,653 642,283 709,131 696,714 871,478 1,005,591
364,116 385,617 380,226 547,142 436,338 646,566 665,271 536,563
61,862 65,966 114,427 95,141 272,793 50,148 206,207 469,028
119,793 116,111 119,270 41,862 89,914 115,257 27,927 131,314
14,151 11,451 13,197 16,684 16,378 14,417 25,949 24,919
105,642 104,660 106,073 25,178 73,536 100,840 1,978 106,395
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
376,192 364,860 363,364 375,925 389,460 513,843 548,708 615,922
200,000 200,000 200,000 300,000 300,000 400,000 400,000 500,000
0 0 134,860 63,363 75,925 89,460 113,843 48,708
176,192 164,860 28,504 12,562 13,535 24,383 34,865 67,214
0 0 0 0 0 0 0 0
66,654 83,205 100,025 99,051 118,289 129,561 128,295 120,659
59,657 74,710 91,173 92,486 111,545 121,384 122,937 114,833
6,997 8,495 8,852 6,565 6,744 8,177 5,358 5,826
442,846 448,065 463,389 474,976 507,749 643,404 677,003 736,581
362,070 367,281 383,809 423,962 410,812 545,699 550,596 583,774
201,968 197,337 241,872 252,715 261,783 350,569 398,363 207,971
160,102 169,944 141,937 171,247 149,029 195,130 152,233 375,803
80,776 80,784 79,580 51,014 96,937 97,705 126,407 152,807
30,037 29,371 28,218 26,006 23,038 19,530 19,975 20,586
50,739 51,413 51,362 25,008 73,899 78,175 106,432 132,221
(Thousand Rupees)
Not available Not available 2013 2014 2015 2016 2017 2018
72,964 144,460 134,144 177,184 413,478 596,572
100,000 210,000 210,000 235,000 400,000 537,500
0 - - 0 0 0
(27,036) (65,540) (75,856) (57,816) 13,478 59,072
10,000 - 3,000 43,750 3,750 3,000
1,933 7,491 74,414 20,193 37,931 204,163
1,933 2,521 9,644 11,009 16,120 165,369
0 4,970 64,770 9,184 21,811 38,794
84,897 151,951 211,558 241,127 455,159 803,735
34,534 79,275 127,288 139,956 286,134 610,425
10,484 65,294 111,206 101,201 199,306 503,873
24,050 13,981 16,082 38,755 86,828 106,552
50,363 72,676 84,270 101,171 169,025 193,310
6,783 8,506 12,944 22,381 29,875 51,771
43,580 64,170 71,326 78,790 139,150 141,539
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
215,292 336,076 343,290 351,324 358,614 370,716 586,255 609,321
200,000 300,000 300,000 300,000 300,000 300,000 500,000 500,000
0 0 0 - 0 0 0 0
15,292 36,076 43,290 51,324 58,614 70,716 86,255 109,321
0 0 0 - 0 0 0 0
64,009 1,252 30,640 4,011 32,302 159,560 35,741 189,370
64,009 1,252 30,640 4,011 31,220 158,594 35,341 188,973
0 0 0 0 1,082 966 400 397
279,301 337,328 373,930 355,335 390,916 530,276 621,996 798,691
220,281 249,236 284,642 261,591 299,015 440,083 530,979 704,366
194,376 220,301 261,357 241,624 282,197 426,350 523,764 538,456
25,905 28,935 23,285 19,967 16,818 13,733 7,215 165,910
59,020 88,092 89,288 93,744 91,901 90,193 91,017 94,325
7,802 12,244 12,728 15,336 14,273 12,565 13,539 16,948
51,218 75,848 76,560 78,408 77,628 77,628 77,478 77,377
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
555,244 594,176 689,761 717,267 767,787 812,568 864,620 1,006,832
300,000 405,000 556,875 556,875 556,875 556,875 556,875 857,587
0 151,875 0 0 0 0 0 0
255,244 37,301 132,886 160,392 210,912 255,693 307,745 149,245
22,218 40,091 1,638 9,429 2,643 0 0 0
229,327 152,337 75,699 20,202 21,815 24,021 12,345 18,995
109,200 114,094 74,146 9,174 9,649 13,223 1,824 5,790
120,127 38,243 1,553 11,028 12,166 10,798 10,521 13,205
806,789 786,604 767,098 746,898 792,245 836,589 876,965 1,025,827
794,898 771,885 745,821 723,518 766,402 813,770 862,229 864,281
62,407 166,553 270,389 219,245 301,594 403,358 457,650 521,305
732,491 605,332 475,432 504,273 464,808 410,412 404,579 342,976
11,891 14,719 21,277 23,380 25,843 22,819 14,736 161,546
10,552 12,674 18,878 21,049 22,647 19,623 11,820 12,432
1,339 2,045 2,399 2,331 3,196 3,196 2,916 149,114
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
180,614 185,970 199,290 196,949 184,637 213,784 209,453 208,728
200,000 200,000 200,000 200,000 200,000 210,000 210,000 210,000
0 0 0 0 0 0 0 0
(19,386) (14,030) (710) (3,051) (15,363) 3,784 (547) (1,272)
1,200 1,200 1,200 1,200 2,000 1,900 1,500 1,500
1,435 3,308 1,366 4,022 5,596 5,785 9,302 10,068
1,435 3,308 1,366 4,022 5,335 5,199 8,524 9,165
0 0 0 0 261 586 778 903
183,249 190,478 201,856 202,171 192,233 221,469 220,255 220,296
120,820 127,822 142,056 136,527 123,997 157,901 155,942 157,783
109,905 100,397 128,679 135,328 122,272 156,842 152,930 155,670
10,915 27,425 13,377 1,199 1,725 1,059 3,012 2,113
62,429 62,656 59,800 65,644 68,236 63,568 64,313 62,513
11,525 11,196 9,396 9,871 11,089 3,739 3,703 3,210
50,904 51,460 50,404 55,773 57,147 59,829 60,610 59,303
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
205,743 208,581 210,549 220,305 227,840 235,010 236,337 237,247
250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000
0 0 0 0 0 0 0 0
(44,257) (41,419) (39,451) (29,695) (22,160) (14,990) (13,663) (12,753)
0 0 0 0 0 0 0 0
36,957 3,312 18,958 14,521 3,324 6,519 8,819 7,470
3,630 2,480 8,766 14,521 3,324 5,072 4,868 5,237
33,327 832 10,192 0 0 1,447 3,951 2,233
242,700 211,893 229,507 234,826 231,164 241,529 245,156 244,717
115,773 72,605 74,960 80,603 83,769 93,232 94,691 90,497
77,890 34,793 39,316 28,782 36,308 57,258 45,126 47,479
37,883 37,812 35,644 51,821 47,461 35,974 49,565 43,018
126,927 139,288 154,547 154,223 147,395 148,297 150,465 154,220
67,279 65,653 63,330 66,023 65,435 73,269 70,306 73,479
59,648 73,635 91,217 88,200 81,960 75,028 80,159 80,741
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
413,441 428,564 440,658 571,233 816,801 819,037 829,184 832,126
400,000 400,000 400,000 550,000 800,000 800,000 800,000 800,000
0 0 0 0 0 0 0 0
13,441 28,564 40,658 21,233 16,801 19,037 29,184 32,126
0 0 0 0 0 0 0 0
273,121 278,107 370,636 455,519 356,148 572,629 644,211 651,844
237,727 244,998 329,659 401,234 275,225 466,596 516,671 499,776
35,394 33,109 40,977 54,285 80,923 106,033 127,540 152,068
686,562 706,671 811,294 1,026,752 1,172,949 1,391,666 1,473,395 1,483,970
556,912 545,519 641,439 904,520 995,732 1,199,511 1,278,702 1,347,711
459,776 380,689 497,347 533,303 762,647 869,963 1,151,268 846,239
97,136 164,830 144,092 371,217 233,085 329,548 127,434 501,472
129,650 161,152 169,855 122,232 177,217 192,155 194,693 136,259
46,550 53,650 65,497 73,491 74,373 80,246 77,913 133,696
83,100 107,502 104,358 48,741 102,844 111,909 116,780 2,563
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
197,992 226,747 262,521 348,486 390,170 527,182 586,249 649,896
200,000 200,000 200,000 345,000 345,000 435,000 435,000 435,000
0 0 0 0 0 0 0 0
(2,008) 26,747 62,521 3,486 45,170 92,182 151,249 214,896
0 0 0 0 0 0 0 0
91,615 64,339 76,430 99,102 129,123 171,832 288,451 202,203
49,251 16,119 23,309 15,197 25,196 75,169 213,073 148,930
42,364 48,220 53,121 83,905 103,927 96,663 75,378 53,273
289,607 291,086 338,951 447,588 519,293 699,014 874,700 852,099
168,440 180,010 228,067 321,827 353,089 539,010 686,982 672,523
130,454 112,660 157,682 231,109 269,449 450,620 234,104 322,953
37,986 67,350 70,385 90,718 83,640 88,390 452,878 349,570
121,167 111,076 110,884 125,761 166,204 160,004 187,718 179,576
61,435 55,563 57,504 57,040 74,302 69,872 73,527 66,523
59,732 55,513 53,380 68,721 91,902 90,132 114,191 113,053
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
92,707 84,354 97,142 201,916 191,647 193,556 206,141 218,857
100,000 100,000 100,000 200,000 200,000 200,000 200,000 200,000
0 0 0 0 0 0 0 0
(7,293) (15,646) (2,858) 1,916 (8,353) (6,444) 6,141 18,857
0 0 0 0 0 0 0 0
1,111 1,559 2,115 10,759 14,167 22,521 21,370 32,482
1,111 1,098 1,655 9,486 10,004 15,097 14,989 24,154
0 461 460 1,273 4,163 7,424 6,381 8,328
93,818 85,913 99,257 212,675 205,814 216,077 227,511 251,339
55,884 51,789 66,510 151,017 130,123 138,991 145,538 168,813
54,897 50,425 63,730 92,449 115,359 114,617 124,898 125,848
987 1,364 2,780 58,568 14,764 24,374 20,640 42,965
37,934 34,124 32,747 61,658 75,691 77,086 81,973 82,526
7,760 7,047 6,252 8,827 12,384 12,558 16,096 18,156
30,174 27,077 26,495 52,831 63,307 64,528 65,877 64,370
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
435,700 447,734 472,873 547,259 658,811 746,692 872,776 1,004,261
400,000 400,000 447,000 500,000 600,000 650,000 700,000 700,000
0 0 0 0 0 0 0 0
35,700 47,734 25,873 47,259 58,811 96,692 172,776 304,261
0 0 0 0 0 0 0 0
34,199 91,906 86,737 86,083 131,161 121,005 241,997 219,390
21,540 79,165 74,185 75,970 126,731 117,097 241,522 219,390
12,659 12,741 12,552 10,113 4,430 3,908 475 0
469,899 539,640 559,610 633,342 789,972 867,697 1,114,773 1,223,651
273,496 359,020 356,749 397,470 614,559 613,496 837,581 1,076,065
216,850 256,495 172,596 195,127 411,321 426,795 670,323 599,466
56,646 102,525 184,153 202,343 203,238 186,701 167,258 476,599
196,403 180,620 202,861 235,872 175,413 254,201 277,192 147,586
79,925 79,020 84,453 106,962 107,652 111,762 112,072 109,940
116,478 101,600 118,408 128,910 67,761 142,439 165,120 37,646
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
208,955 207,906 201,312 206,475 204,361 202,010 201,381 201,975
200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000
0 0 0 0 0 0 0 0
8,955 7,906 1,312 6,475 4,361 2,010 1,381 1,975
0 0 0 0 0 0 0 0
582 763 249 168 128 133 149 499
464 763 249 168 128 133 149 499
118 0 0 0 0 0 0 0
209,537 208,669 201,561 206,643 204,489 202,143 201,530 202,474
155,287 155,428 148,918 154,754 152,494 150,970 149,786 147,156
151,779 152,748 146,017 152,228 149,916 149,135 146,875 146,367
3,508 2,680 2,901 2,526 2,578 1,835 2,911 789
54,250 53,241 52,643 51,889 51,995 51,173 51,744 55,318
3,947 2,841 2,005 1,342 907 846 1,396 4,254
50,303 50,400 50,638 50,547 51,088 50,327 50,348 51,064
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
269,262 281,003 296,531 305,239 308,457 371,607 438,651 660,642
300,000 300,000 300,000 300,000 300,000 350,000 400,000 450,000
0 0 0 0 0 0 0 0
(30,738) (18,997) (3,469) 5,239 8,457 21,607 38,651 210,642
0 0 0 0 0 0 0 0
11,923 17,772 16,306 26,486 30,967 31,103 46,497 113,376
5,715 9,479 7,907 18,290 10,630 11,124 30,278 94,567
6,208 8,293 8,399 8,196 20,337 19,979 16,219 18,809
281,185 298,775 312,837 331,725 339,424 402,710 485,148 774,018
198,728 211,514 223,421 242,178 247,434 300,205 361,028 613,117
181,871 188,021 200,923 227,444 230,525 273,830 336,023 567,411
16,857 23,493 22,498 14,734 16,909 26,375 25,005 45,706
82,457 87,261 89,416 89,547 91,990 102,505 124,120 160,901
6,928 8,422 8,337 7,232 7,167 6,161 7,018 15,759
75,529 78,839 81,079 82,315 84,823 96,344 117,102 145,142
(Thousand Rupees)
Not available Not available 2013 2014 2015 2016 2017 2018
97,885 98,166 200,268 202,259 255,465 315,866
100,000 100,000 200,000 200,000 250,000 300,000
0 0 0 0 0 0
(2,115) (1,834) 268 2,259 5,465 15,866
0 2,500 2,000 2,000 2,000 1,000
300 3,283 7,474 10,008 25,313 33,194
300 3,283 7,202 7,118 19,903 24,819
0 0 272 2,890 5,410 8,375
98,185 103,949 209,742 214,267 282,778 350,060
38,866 39,818 112,005 100,467 148,285 199,376
38,813 38,655 108,374 91,385 134,043 189,422
53 1,163 3,631 9,082 14,242 9,954
59,319 64,131 97,737 113,800 134,493 150,684
31,268 33,462 38,823 41,430 47,747 47,832
28,051 30,669 58,914 72,370 86,746 102,852
(Thousand Rupees)
2011 Not available Not available Not available Not available Not available Not available Not available
117,642
100,000
0
17,642
0
3,813
3,813
0
121,455
120,899
936
119,963
556
556
0
9,480
3,561
5,918
3,733
10,000
0.00
0.00
1,517
3.17%
5.03%
3.07%
0.60
0.37
0.77%
31.71
3.14%
96.86%
11.76
0.41
0.40
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
119,896 142,440 144,655 201,766 204,823 266,452 303,677 319,204
120,134 140,134 140,134 200,134 200,133 260,150 300,000 300,000
0 0 0 0 0 0 0 0
(238) 2,306 4,521 1,632 4,690 6,302 3,677 19,204
0 0 0 4,500 5,000 5,000 5,000 4,500
150 1,792 1,327 2,941 29,545 21,312 13,365 71,759
150 1,792 1,327 2,941 29,545 21,312 13,365 71,759
0 0 0 0 0 0 0 0
120,046 144,232 145,982 209,207 239,368 292,764 322,042 395,463
85,790 104,290 105,065 104,181 138,513 217,517 226,134 294,704
83,258 100,620 97,873 101,571 135,218 206,963 218,755 220,977
2,532 3,670 7,192 2,610 3,295 10,554 7,379 73,727
34,256 39,942 40,917 105,026 100,855 75,247 95,908 100,759
2,357 2,930 3,047 49,571 48,045 7,142 15,412 13,404
31,899 37,012 37,870 55,455 52,810 68,105 80,496 87,355
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017 2018
272,443 291,507 325,602 365,160 390,574 437,004 553,353 661,842
200,000 200,000 200,000 290,000 290,000 350,000 400,000 400,000
0 0 0 0 0 0 0 0
72,443 91,507 125,602 75,160 100,574 87,004 153,353 261,842
0 0 0 0 0 0 0 0
295,326 229,014 268,450 362,065 408,273 326,484 316,868 585,319
295,326 229,014 268,450 362,065 402,773 321,984 312,868 581,319
0 0 0 0 5,500 4,500 4,000 4,000
567,769 520,521 594,052 727,225 798,847 763,488 870,221 1,247,161
470,090 415,994 483,557 580,617 669,150 623,777 652,376 1,019,363
423,515 387,699 455,296 541,212 569,796 442,432 491,213 868,366
46,575 28,295 28,261 39,405 99,354 181,345 161,163 150,997
97,679 104,527 110,495 146,608 129,697 139,711 217,845 227,798
39,634 45,364 49,913 59,497 82,337 84,813 101,646 91,998
58,045 59,163 60,582 87,111 47,360 54,898 116,199 135,800
(Thousand Rupees)
Not available Not available 2013 2014 2015 2016 2017 2018
98,021 91,030 193,546 320,044 322,100 418,312
100,000 100,000 200,000 320,000 320,000 400,000
0 0 0 0 0 0
(1,979) (8,970) (6,454) 44 2,100 18,312
0 0 0 0 0 0
324 6,589 3,439 3,121 3,150 11,916
324 6,589 3,274 852 402 8,351
0 0 165 2,269 2,748 3,565
98,345 97,619 196,985 323,165 325,250 430,228
59,396 55,959 156,988 229,457 228,832 311,049
32,848 55,140 130,160 228,975 228,133 302,844
26,548 819 26,828 482 699 8,205
38,949 41,660 39,997 93,708 96,418 119,179
2,742 5,422 5,035 4,816 9,342 11,325
36,207 36,238 34,962 88,892 87,076 107,854
0 0 0 0
602,644 579,943 777,874 544,729
116,279 152,056 244,938 66,479
84,687 550,502 103,839 357,789
4,152 29,127 10,215 39,060
67,587 60,529 123,799 (70,067)
142,917 125,729 277,500 (31,968)
89,443 80,505 182,576 (31,943)
20,578
127,263
143,523
124,240
32,303
104,089
90,384
63,152
30,000
0.00
0.00
9,963
16.73%
7.19%
2.11
22.51%
164.82%
14.34%
64.88%
0.31
0.43
12.58
15.78%
(Thousand Rupees)
2012 2013 2014 2015 2016 2017 2018
66,174 88,749 552,043 633,726 942,828 939,265 1,126,807
121,000 121,000 620,125 620,125 826,833 826,833 1,076,950
26,265 26,265 26,265 26,265 105,103 28,372 28,895
(81,091) (58,516) (94,347) (12,664) 10,892 84,060 20,962
21,108 0 (199,650) (123,650) (199,650) 50,363 (199,650)
88,742 76,074 222,449 328,145 366,658 253,385 252,436
0 0 0 0 0 0 0
81,152 70,487 175,241 215,569 167,726 166,833 110,801
7,590 5,587 47,208 112,576 198,932 86,552 141,635
176,024 164,823 574,842 838,221 1,109,836 1,243,013 1,179,593
13,666 6,954 4,140 11,753 58,368 57,571 73,139
0 0 0 0 23 215 0
21,971 14,680 269,997 78,061 188,474 241,152 165,578
101,309 132,086 283,427 727,359 841,159 919,620 919,523
39,078 11,103 17,278 21,048 21,812 24,455 21,353
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
0 0 0 0
(120) 239 156 156
(120) 239 156 156
0 0 0 0 0
14,202 10,411 10,844 8,801 8,801
9,582 9,333 9,633 9,527 9,527
2,551 3,984 1,082 3,040 3,040
2,302 1,234 1,052 3,415 3,415
(1,395) (1,922) (1,539) (3,207) (3,207)
276 (933) (957) 191 191
228 (1,032) (1,087) 87 87
0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
(6,870) 1,453 (503) (6,403) (6,403)
0 0 0 0 0
4,768 6,159 5,075 6,166 11,936
4,263 5,765 4,446 3,863 8,110
220 0 2,596 0 0
220 0 346 90 423
2,210 1,929 2,027 2,158 5,934
627 (324) (461) (1,714) 1,903
567 (479) (516) (1,758) 1,821
0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00
852 (84) (246) (116) 4,479
11,844
13,029
(1,607)
(1,698)
14,310
0.00
0.00
430
-1.27%
-1.02%
-0.92%
-8.11
-0.12
0.43%
1.59
0.28
14.36%
72.39%
9.35
-0.25
0.02
(Thousand Rupees)
2011 2012 2013 2014 2015 2016 2017
1,903,063 1,530,036 2,161,657 1,880,297 (1,075,035) (364,187) 16,711,251
3,001,000 3,001,000 3,001,000 3,001,000 3,001,000 3,001,000 19,365,000
636,583 636,583 713,005 743,439 713,662 713,662 1,038,728
(1,734,520) (2,107,547) (1,552,348) (1,864,142) (4,789,697) (4,078,849) (3,692,477)
213,130 222,253 211,351 344,102 320,274 16,362,314 2,173
17,427,495 18,620,754 19,279,694 19,208,274 21,437,212 4,908,344 3,616,650
17,427,495 18,620,754 19,279,694 19,208,274 21,437,212 4,908,344 3,616,650
0 0 0 0 0 0 0
0 0 0 0 0 0 0
0 0 0 0 0 0 0
19,543,688 20,373,043 21,652,702 21,432,673 20,682,451 20,906,471 20,330,074
19,329,172 20,109,543 21,308,302 21,070,101 190,014 771,688 825,113
506,564 232,253 307,476 314,661 82,376 121,378 53,531
18,822,608 19,877,290 21,000,826 20,755,440 107,638 650,310 771,582
214,516 263,500 344,400 362,572 20,492,437 20,134,783 19,504,961
0 0 0 0 0 0 0
214,516 263,500 344,400 362,572 20,492,437 20,134,783 19,504,961
2,241,405
1,404,297
1,254,493
1,041,230
1,936,500
N/A
N/A
(2,788,782)
0.06
0.06
0.05
1.12
0.54
0.00
0.11
0.19
0.00
0.81
8.74
-2.68
-0.70
Not available
(Thousand Rupees)
2018
16,926,069
19,365,000
1,246,974
(3,685,905)
(20,845)
3,972,657
3,972,657
0
0
0
20,877,881
446,407
34,387
412,020
20,431,474
0
20,431,474
2,241,405
1,404,297
1,254,493
1,041,230
1,936,500
0.00
0.00
(2,788,782)
6.15%
6.16%
4.99%
1.12
0.54
0.16%
0.11
0.19
0.00
81.07%
8.74
-2.68
-0.70
Venture Capital - Overall
Items 2007 2008 2009 2010 2011 2012
A.Total equity (A1 to A3) 3,835,782 3,795,510 (375,302) (1,339,491) (2,128,737) 16,897
1.Share capital 4,168,907 4,168,907 4,205,980 4,205,980 4,205,980 25,073
2.Revenue reserve 0 0 290,145 237,605 162,223 752
3.Unappropriated profit/loss (333,125) (373,397) (4,871,427) (5,783,076) (6,496,940) (8,928)
4.Others 0 12,000 769,105 743,249 667,521 20,892
B.Total liabilities (B1 + B2) 220,219 247,193 6,390,690 6,769,505 6,511,448 2,562
1.Current liabilities 54,861 224,871 5,765,399 6,348,032 6,057,018 2,405
2.Non-current liabilities 165,358 22,322 625,291 421,473 454,430 157
C.Total assets (C1+C2) 4,056,001 4,054,703 6,784,493 6,173,263 5,050,232 40,351
1.Current assets (a + b) 146,100 144,913 2,728,074 3,565,932 2,772,110 36,256
a.Cash & bank balances 8,821 6,496 321,524 542,959 464,660 615
b.Others 137,279 138,417 2,406,550 3,022,973 2,307,450 35,641
2.Non-current assets (a + b) 3,909,901 3,909,790 4,056,419 2,607,331 2,278,122 4,095
a.Venture investment 3,862,483 3,862,483 3,929,756 2,399,507 2,110,508 4,075
b.Others 47,418 47,307 126,663 207,824 167,614 20
D.Profit & loss account
1.Revenue 30,045 20,342 10,367,521 9,526,726 10,247,746 4,796
2.Admin. & operating expense 47,794 48,378 3,270,874 2,881,637 2,784,555 1,285
3.Financial charges 53,967 55,628 288,659 233,972 225,077 57
4.Profit/(loss) before taxation (79,379) (65,588) (1,935,167) (1,600,143) (1,075,243) 3,454
5.Profit/(loss) after taxation (79,379) (91,307) (1,948,392) (1,580,976) (1,127,043) 1,981
E.Other items
1.No. of ordinary shares (000) 416,891 416,891 420,598 420,598 420,598 2,507
2.Cash dividend N/A N/A N/A N/A N/A N/A
3.Stock dividend/bonus shares N/A N/A N/A N/A N/A N/A
4.Cash generated from operating activities (73,203) (79,925) (229,951) (53,271) (1,013,494) 1,173
F.Efficiency ratios/profitability ratios
1.Return on equity (ROE) (D5/A) -0.02 -0.02 5.19 1.18 0.53 0.12
2.Return on capital employed (ROCE) (D5/C-B1) -0.02 -0.02 -1.91 9.05 1.12 0.05
3.Return on assets (ROA) (D5/C) -0.02 -0.02 -0.29 -0.26 -0.22 0.05
4.Return on revenue (ROR) (D5/D1) -2.64 -4.49 -0.19 -0.17 -0.11 0.41
5.Admin. expense to revenue (D2/D1) 1.59 2.38 0.32 0.30 0.27 0.27
6.Earning per share (D5/E1) -0.19 -0.22 -4.63 -3.76 -2.68 0.79
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C) 0.00 0.00 0.05 0.09 0.09 0.02
2.Current assets to current liabilities (C1/B1) (tim 2.66 0.64 0.47 0.56 0.46 15.08
3.Total liabilities to total assets (B/C) (times) 0.05 0.06 0.94 1.10 1.29 0.06
H.Capital /leverage ratios
1.Capital ratio (A/C) 0.95 0.94 -0.06 -0.22 -0.42 0.42
2.Break up value per share (A/E1) 9.20 9.10 -0.89 -3.18 -5.06 6.74
I.Cash flow ratio
1.Cash generated from operating activities to profi 0.92 0.88 0.12 0.03 0.90 0.59
2.Cash generated from operating activities to curre -1.33 -0.36 -0.04 -0.01 -0.17 0.49
(Thousand Rupees)
2013 2014 2015 2016 2017 2018
17,654 17,494 18,374 18,653 18,276 18,890
25,073 25,073 25,073 25,073 25,072 25,073
752 752 752 752 752 752
(8,171) (8,331) (7,451) (7,172) (7,548) (6,935)
20,892 17,724 18,118 15,697 22,759 20,609
2,982 4,594 4,680 4,824 5,226 3,876
2,912 4,572 4,680 4,488 4,928 3,693
70 22 0 336 298 183
41,528 39,812 41,172 39,174 46,261 43,375
37,976 36,712 38,443 36,711 44,178 41,532
1,106 3,734 72 2,769 1,605 5,335
36,870 32,978 38,371 33,942 42,573 36,197
3,552 3,100 2,729 2,463 2,083 1,843
3,532 3,080 2,502 2,244 1,965 1,725
20 20 227 219 118 118