WORKING OF RATIOS

31-12-2001
Return on Assets (ROA)
Profit before provision for bad and doubtful debts
= -----------------------------------------------------------(Total Assets - Expenditure heads)
Assets
Cash
Bal. With other Bank including SBP
Advances - Int/Markup reserve/recovered in advance
Fixed Assets
Income Receiveable
NBP General Account (Dr.Balance)
Expenditure heads
Suspense account
All other Assets
Total

-43.432
--------------------------- X 100
(14049.768-36.118)
183.420
457.378
5944.489
33.356
187.875
6747.895
36.118
29.368
429.869
14049.768

-43.432
-----------14013.650
=

X 100

- 0.31%

Revenue / Expenses ratios
Funded income+Non fund based income
= -----------------------------------------------Int. expenses + Administrative expenses

958.179+142.167
-------------------- X 100
583.147+560.631
1100.346
---------- X 100
1143.778
=

96.20%

Yield on Advances
Income on Advances
= ------------------------Average Net Advances

429.220
---------- X 100
5185.761

Net Advance = Gross Advances - Int/Markup reserve/
Recovered in advance

=

8.28%

Cost of Funds
Int.exp.(PLS+Int) excl.int on NBP Gen.A/C - surplus PLS Provision
= ---------------------------------------------------------------------------------Average Deposits + Average borrowings

371.268-15.857
------------------- X 100
9413.594
355.411
----------- X 100
9413.594
=

3.78%

Intermediation Cost
=

Administrative Expenses
-----------------------------Average Deposits

560.631
------------ X 100
9413.594
=

5.96%

NFBI as % of Net Interest Income
=

Non fund based income
-------------------------------------(Funded Income - Int. expenses)

142.167
--------------------- X 100
958.179-583.147
142.167
--------- X100
375.032
=

37.91%

WORKING OF RATIOS
28-02-2001
Return on Assets (ROA)
Profit before provision for bad and doubtful debts
= -----------------------------------------------------------(Total Assets - Expenditure heads)

0.786
--------------------------(14002.410-138.552)

Assets
Cash
Bal. With other Bank including SBP
Advances - Int/Markup reserve/recovered in advances
Fixed Assets
Income Receiveable
NBP General Account (Dr.Balance)
Expenditure heads
Suspense account
All other Assets

0.786
-----------13863.858
=

X 100

0.01%

Revenue / Expenses ratios
Funded income+Non fund based income
= -----------------------------------------------Int. expenses + Administrative expenses

189.779+18.290
-------------------112.755+94.528
208.069
---------- X 100
207.283
=

100.38%

Yield on Advances
Income on Advances
= ------------------------Average Net Advances

82.865
---------- X100X(12/No.of months)
5241.379

Net Advance = Gross Advances - Int/Markup reserve/
Recovered in advances

=

9.49%

Cost of Funds
Int.exp.(PLS+Int) excl.int on NBP Gen.A/C - surplus PLS Provision
= ---------------------------------------------------------------------------------Average Deposits + Average borrowings

58.163-10.338
------------------8883.320
47.825
----------- X100X(12/No.of months)
8883.320
=

3.23%

Intermediation Cost
=

Administrative Expenses
-----------------------------Average Deposits

94.528
------------ X100X(12/No.of months)
8883.320
=

6.38%

NFBI as % of Net Interest Income
=

Non fund based income
-------------------------------------(Funded Income - Int. expenses)

18.290
--------------------189.779-112.755
18.290
--------77.024
=

23.75%

X100

WORKING OF RATIOS
29-02-2000
Return on Assets (ROA)
Profit before provision for bad and doubtful debts
= -----------------------------------------------------------(Total Assets - Expenditure heads)

-2.844
--------------------------(13305.489-174.024)

Assets
Cash
Bal. With other Bank including SBP
Advances - Int/Markup reserve/recovered in advances
Fixed Assets
Income Receiveable
NBP General Account (Dr.Balance)
Expenditure heads
Suspense account
All other Assets

-2.844
-----------13131.465
=

X 100

0.02%

Revenue / Expenses ratios
Funded income+Non fund based income
= -----------------------------------------------Int. expenses + Administrative expenses

223.700+14.740
-------------------158.770+82.514
238.440
---------- X 100
241.284
=

98.82%

Yield on Advances
Income on Advances
= ------------------------Average Net Advances

100.233
---------- X100X(12/No.of months)
4995.266

Net Advance = Gross Advances - Int/Markup reserve/
Recovered in advances

=

12.04%

Cost of Funds
Int.exp.(PLS+Int) excl.int on NBP Gen.A/C - surplus PLS Provision
= ---------------------------------------------------------------------------------Average Deposits + Average borrowings

88.762-14.015
------------------8748.494
74.747
----------- X100X(12/No.of months)
8748.494
=

5.13%

Intermediation Cost
=

Administrative Expenses
-----------------------------Average Deposits

82.514
------------ X100X(12/No.of months)
8748.494
=

5.66%

NFBI as % of Net Interest Income
=

Non fund based income
-------------------------------------(Funded Income - Int. expenses)

14.740
--------------------223.700-158.770
14.740
--------64.930
=

22.70%

X100

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