net income

=
total assets

Return on Assets (ROA)

3169.50
¿
319255.29

=.9927%

AIBL FINANCIAL REPORT 2017

net income
=
total equity capital

Return on Equity (ROE)

3169.50
¿
22520.62

=14.07%

net interest income

=
total asset

Net Interest Margin

8706.83
¿
319255.29

=2.73%

total operating income

Net Bank Operating Margin =
total asset
 (1751.06)
¿
319255.29

= .55%

Net income after tax

=
total asset

Earning Per Share (EPS)

3169.50
¿
1006.19

=3.15

Basel II

capital
¿
credit risk +market risk+ operational risk
1988.61
¿
18751.96+ 104.86+1587.93

1988.61
MCR ¿
20444.75

= 9.726 %

= 9.726 % ≥ 8%

NOTE:

The Minimum Capital Requirement (MCR) is ≥8%. Al-Arafah Islami Bank has achieved 9.726%. AIBL full
filled minimum capital requirement.
 eligibility regulatory capital
¿
total risk weighted assets

25104.77
=
2044.47
CAR
=12.28%

=12.28% ≥ 10%

NOTE:

Capital Adequacy Ratio (CAR) is minimum ≥10%. Al-Arafah Islami Bank has achieved 12.28%. AIBL has
achieved Capital Adequacy Ratio.

CAMELS RATING

Central Bank uses rating system which is known as CAMELS to access the quality of banks earning and risk
management practices. CAMELS ratings are assigned based on a numerical from 1 to 5, with 1 indicating the
highest rating, lowest degree of supervisory concern and 5 rating indicates the lowest rating, highest degree of
supervisory concern.

NOTE:

Al-Arafah Islami Bank got CAMELS rating ‘2’ or ‘B’ class bank in the year of 2017. Rating 1-2 indicates
sound/strong bank.