CORPORATE INFORMATION as of Junc 30,2019 Board of Directors Khalid Aziz Miva Acting Chairman Nasim Bog Dizector Rashid Akhtar Chughtai Director Skuhznd Enver Murad Director Talha Saeed Abmed Director Tariq Iqbel Khan, FCA Ditector Zaibair Nawaz Chaitha . Director Azmat Shabvad Ahmed Tain President & CLO Shaukat Tarin Advisor to the Chairman Company Secretary Faiz Ui [Insan Hashmi Chief Financial Officer Khurram Khan Audit Commitiee Shatvad Enver Murad Cheisman ‘Nasim Beg Momber ‘Tarig Iqbal Khan, ¥CA. Member Wajih Zaidi Secretary Risk Committee ‘Tariq Iqbal Khan, FCA. Acting Chairman / Member Shatvad Finvor Murad Member i Muhammad Atif Kauser Secretary IF Committee Nasim Beg Chairman Zubair Nawaz Chattha Member Javed Yousuf Edi Seoretary Human Resources Committee Khalid Aziz Mirza Chairman Rashid Akhtar Chaghtai Member Kalcom Ahmed SecreiaryAnditors ‘Mis, Grant Thornton Anjum Rehman (GTAR) Chartered Accountants Legat Advisor Ghani Law Associstes Registered Office Silkbank Limited, 13+L, 1-7 Mackaz, Islamabad, Dircot ‘et; (051) 26080-26-27-28, PABX; (051) 26080-77-78-79 Lixt: 111 Fax: (051) 26080-29 Email; companysecretuy@sillcbankccom.pk Website: ww. silkbank.com.pk Share Registrar CDC Share Registrar Services Limited CDE House, 99—B, Block ‘B’, S.M.CH.S., Main Shahra-e-Faisal Karachi-74400, ‘Tels Customer Support Services (Toit Free) 0800-CDCPI. (23275) (62-21) 34326053 Email: info@edcnak.com ‘Website: syw.cdepakistan.comSilkbank Limited Independent auditor's review report For the half year ended June 30, 2019INDEPENDENT AUDITOR'S REVIEW REPOR' TO THE MEMBERS OF SILKBANK LIMITED Introduction We have teviewedl the accompanying condensed the Sitkbant Lianited (thc Bank) as at June 30, 24 feted condenstdtinterim profit snd loss account, condensed intezim statement of comprelig gui cash flow statement, and condensed interim statement of changes fad Stes to the finicial statements for the six-month period then ended (ete as the “condensed”interim financial statements”). Management 4s ronnie RES prepatation Wd, presentation of these condensed Intctim Ginancal statements in accordance with sounding cod Mepheting standards as applicable in Pakistan for intesim financial reporting. out lly Js to @zpgls 9 conclusion on these vondeneed interim financial statements haved on 3 3 er Scope of Review a, sndard on Review Hingagements 2410, wail tadent Auditor of th Eatin. & teview of condensed ingsfiin finan lit sf iding inquizies, primarily of persoas reeponsible for financigllind accounting aaes, andiaipplying analytical ang other review procedures, A review is substaltliflegs in scope thaiighauatt Te ithe in sccordance with Ieeanational Staadarda cn Auditing and céfequentty does nfftenabte gto obtain assurance that we wovld become aware af all cignificant matloisythat might belfentified in an audit. Accordingly, we do not express an audit opinion, Q We conducted our sevienr in acd “Resiow of Later Concluston Based on ont review, noting bas come to our allention that causes us to believe that the accompatiying intctim financial information does oat give a tie and fair view of the financial position of the Bank 2s at June 30, 2019, and of its financial performance and iks vash flows for the sixth month petiod then ended in aceardance with the approved accounting stmdards #8 applicable in Pakistan for interim finonciel reporting.Emphasis of matter We day attention to the following matters: 3) Note 1 to the condensed interim Ananciat statements, highlights hat the Bark bas aot been able to meet the Cepital Adequacy Reqpirement (CAR) of 11.9%, which indudes Capitst Conversion Buffer (CCB) of 1.9% as at June 30, 2019, ae prescribed by the State Baa of Pakia‘an (SRP). Ihe said note azo descrifes plans of management to deal with shortfall in CARL soquements. ‘The Banke has applied 10 SRP to seck exemption from meeting the CAR requicement tll December 34, 2019. Furtherinore, the Tank may aot be able to make a profit and péineipal payments of Term Finance Cottificates (I¥Cs) if there is a shostfal ia CAR as sompaced to eninismum prescribed CAR, g As disclosed in note 163.2 to the condensed interim Fnenclh non-banking assets accuited in satisfaction of aims antgat sea Wty, 8478 milion as at June 50, 2019, Porther, the Bank exposure in wuch assets stp/aysahantillyHoged the level prescribed by State Bank of Pakistan under regulations for Debi Peepetty Swap. Weece highlighting this matter owing fo significant uncertainty with fle the » and 1ijgey oF mh arets jn neat foture. oe . so Ae daon , a 4 Wi) Ae dnelosed in note 12 ta the condepged inten RndrQlg/Stacments The Dan has evanced Isamic financing amounting to Ra "BQ46098 millon Yscember 31, 2018: Ns, 19,437.69 million} to cestain borsowets who are eRe fo primarily peberal trading business, which sre roainty secated ageinet mortgage of underelevel fered Spepporiies. The vakialons of undetdevcloped/ondereloped properties thyolyeineeggacd bles fica and can vary. Grom property to properly doping, upon dere sdiments taking. ig Ad around dhe surrounding, fareas. The Bank aicagifin sigiifigant ocporutg in non bali asseis acquited in sallsfaction of daime, as disclogeldynote Tete the condéysed intetdia Financial statements which also inclades similar type of horton shel ia risk of increase fa expoture, if the borrowers dafyult and th ce iailjo oan in offBinge of properties. orrowers olla e i St wpe of properties, resp Rafsbove eh onrer ict, The figutes of the EBfidensed inter profit and loss account and the conclenseil inten staterment i fies ‘ended June 30, 2019 and 2018 have not been reviewed a FP on them, s4 we are ceqired 10 xeviow only the cormulative ed June 30, 2019. and we do not express figures fot sicmmonth period - "The engugement patiner on the review resulting in this tndeperdent auditor's sesiew ssport is ‘Mubamoad Shankat Nasecbs Grane Thorton Anjum Rahman Date: Chartered Accountants KarachiSILKBANK Silkbank Limited Director's Report as of June 30, 2019, Dear Shareholders, We arc pleased to present the financial statements of the Bank for the half year ended June 30", 2619, Economic Review After achicving a 13-year high growth cf 3.8% im FY-18, Pokisten's economy in FY-19 witnessed gnificantly lower growth of 3.29% against the ambitious target of 6.2% due to Targe current account deficit, monstary tightening, Fragile government finances and fimited foreign cxebange reserves. In the light of this procarious position fe continue in #°Y-20, the SBP has projected GDP growth of mere 2.4% for FY-20. While underlying inflationary pressures remained strong and the Lwin deficits stuyed at elevaled levels, monetary poficy wns tighlened with an increase in policy rae by 325 basis points during: first seven mouths of this calendar year to 13.25%, inflation during FY-19 stands of 7.31% whereas, marginal inflation for the month of July increased further to 10.3%. ‘the fiscal deficit in FY-19 stood at 7.2% of GDP as compared to the target of 4.9%. ‘the targel fiscal doficit for FY- 20 is still 7.1%. Government has now officially obtained USD 6.0 bition IMP bailont program which is spread over the span of three years along with additional inflows expected in the coming years through borrowings from ADB and other lending organizations. ‘The current account deficit decreased substantially by 32% trom USD {9.897 billion in FY-18 10 USL 13.58 billion in FY-19 largely due (o teduction of import bili and healthy growth in remittances from abroad. However, exports during EY-19 didn’t exhibit growth despite of PKK depreciating by 31.7% in FY-19 and 13.5% in 4-19. Despite of mubiiple inflows, the country’s FX reserves decreased fiom USD 16.3 billion in Fhar-18 to USD 144 billion in Jun-19, The inerease in foreign ditcot investment and exports are imperative to build sastainable EX reserves. Banking Sector Lanking sector's profitability in recent years has becn constrained by a scrics of one-off and regulatory changes, including past ponsion costs, super and banking transaction taxes, deposit insurance, overseas ponalties and provisions in addition to the dampening effects of narrowing spreads. With the interest zute inereasing from $.75% to 13.25% in the span of one and a half ycar, the banking profitability is now expected to surge in the upcoming years as spoll of increases in intercat cates has reversed the contvaction eycle of net interest margin. Further, the condition, imposed by IMF on government to reduce its borrowing from SBP, will shi& the banking investment in government acourities and provide additional boost to interest income of commerciel Danks in fatnce but at the cost of decrease in private sector credit. Financial Performance: “The Bank has posted after ix Profit of Ks. 117.00 million for the period ended June 360", 2019. Page Lof6 Silkbank Limited antral Oiflee: 22nd Floor, Cento Paink OF Shahead-e-Nallt Expreveviay. Near KPT Itatchanga Kerang), Karaeh. 74900 PABX.TUAN: (24-111-00-7485 Fax: 62 96005787 Wabette: waalnank.oom. ple “Bay No To Gorruption'SILKBANK 7” During this period, total deposits of the Bank grew by Rs. 15.6 billion to Rs. 148.28 billion and. gross advances increased by Rs. 8.31 billion. Summarized financial performance of Silkbank Limited for the Half Year ended June 30", 2019 isas follows: Rs in ‘mniltion” Profit before tax 254 Tax - Curent asy Prior - Deferred (122) Profit afler tax 17 Rupee Farsings per share ~ Basic and Diluted, 0.01 Business Performance: Branch Banking: Branch Banking remains oue of the most critical business for the Bank, sorving over 185,000 customers contributing moxe than 61% of the Bunk’s deposit hase, Branch Banking net only maintained its deposit position but execeded the budgeted target al the end of the Grst hal? of 2019 by Rs. 9,0 billion, Total deposits as at 30th Fune, 2019 stood at Rs. 92.6 billion, an overall deposit growth of Rs. 14.5 billion achieved during fist half of 2019. his performance helped branch banking to exceed its profit targets hy more than PKR 120 million. ‘The trajectory seems fo be heading in the right direction and we hope to sec Branch Banking produce even better 1esults in the coming quarters. ADC Busine: ‘bank VISA Debit Card (*VDC*) continued to show strong growth dining Q2, 2019 by adding 8,162 new VDC"s (increasing the total card basc to approx. 163,446). Further, New cards are being issued in Hine with Chip and Pin mandate (o enkanee the sceurity of our vafued customers, VDC usage over Point of Sales (POS) during Q2, 2019 weorded a spend of Rs. 431.45 million against 114,492 transactions reflecting a growth of 9.8% in volume and 11.93% it: number of transactions as compared to Q2 of 2018. The highest POS monthly spend of Rs, 151,34 miltion was recorded during May, 2019. Alternate Distribution and e-delivery channels bave added value to the product offering of the Bank and have enhanced the mach and accessibility of its banking services. SikMobile registrations have crossed 64,600 customers, where new features arc continuously being added to attract customers towards a greater usage of its digital platform, Page 2 of 6 Sificbank Limited Contra Offce: 22nd For, Centre Point Ott Shancod-c-Mital Expressway, Neat KPT intorehange Korangh Kasactl-74900 PABX/ VAN: 021-111-60-7455 Fax: 021-35H05787 Website: wen siknank.comok "Say No To Comnpsion™SILKBANK 7 Baneassuranee: Baneassurance business continued i of approximately Rs. 37 sniltion which poriod of 2018. The productivity has sigai dive of “Participation from AIL” s momentum in the first haf of 2019 by gencrating revenue s Rs, 2.0 million better as compared to conssponcling, zantly inoreased through various attractive promos and ‘onsumer Banking Silkbank offers a range of secured and unsccured products via its Consunter Banking Division. Respite increased competition, we have managed to susiain ENR growth and our products have continued to perform. strongly. Our continued focus on sttengthening customer loyalty by providing our customers an unparalleled service expericnec across all touch poinis is playing a vical role in oar success. We not only retained our leadership position among pees bunks but have also inercased our market share from 37% fo 38% in PIT. & Ri. combined (Fotal combined ENR for PIL & RL stands at Rs, 14.06 billion at cud of fane-i9). We are also the fastest growing Credit Cards issuer in the industry and are determined fo keep the momentum going in the 2° half of 2019 as well, U ot: Personal Loans: Inorderto gain the momentum ftom very startof2019 we taunched ATI campsign “Apply for 5 years and Pay Markup ford” using Radio & digital medium. The campaign has proved to be a great success and bes given us a compeiilive edge despite rate breaks given by competition. During first half of 2019, a total of 6,178 Personal Loans new accounts were booked with Rs, 1,81 billion were disbursed against thom. Total Personal lean portfolio stands al 25,478 customers with ENR of Rs. 6.9 billion. Ready Lin ‘During the first kaif of 2019, promotions were designed to boost ENK by encouraging people to spond using Ready Line, Various cashback, tavel to dreain destinations and BIDL promotions were launched for customers lo keep spending despite tough economic conditions, Simultancously, focus remained on encouraging eustomers to utilize digital mediums such as SifkMobile App and SilkDirect inlemet banking. Duc to all these efforts, 8,369 Ready Line new accounts were booked and Rs, 1.89 billion in volume was disbursed, Overail, Ready Vine portfolio stands at ENR of Rs.7.16 billion with customer base 0f 46,084 active customers al the rd of Junc-19. Credit Cants: Credit Card business continued to build momentum with a host of product value additions and the relaunch of media campaign during the ezieket world cup. During Q2-19, we did fresh cequisition of 11,100 cands, increasing the Cards in Foree to 159,207 Cards and also crossed a qumber of milestones including brcaking past the Ks. 5.0 billion ENR mark and recording Ra. 6.0 billion Spend (ever highest during a quarter). The increase in spending also had a positive impact on Credit Card ENR which increased by Rs. 358 million in Q2- Page 3 of 6 Silkbank Limited Costral Offae: 22nd Foor, Cente Poin} Oft Snanecd-e Maat Expresoway, Neat XPT inlerchengo Kosar, Kerachl-74900 PABXJ VAN: O21-111-00-7456 Fat: 021-35805707 Wedsite: yxansitioankeon pk ‘Spy Ho To Comrution”SILKBANK 7 2019, Spend Stimulation Unit and Outbound Unit continue to support the business by building ENR and entolting value added services, in Q2-2019, we launched the 3* edition of Treasure Chest and added 100 new alliauce partners taking total tally in excess of 450. Besides, we also focused on refining the eustomer experience with the help of new initiatives including. statement celivery, wansaetion approval rate, now touchpoints for service enrollinents, complaints xegistraGon snd empowerment of front-cnd stafh. cured M'Power: Fresh acquisition is on hold given the forcelosure Jaws and the current economic enviroument und the focus is on keeping delinquencies under control, At end of June-19, ENR was Rs, 2.97 billion and we have an active customer base of 310. mann Isfantic Banking (Emuan) Fmaan Islamic Banking performed outatanding during first hal!’ of the year 2018 and successfully generated deposit of PKR 7,669 million: 25% growth, closed the book at 38,628 million with CASA TD ratio of 84:16. Advances registered a growth of Rs. 621 million and elosed at PKR 27,523 million, Focus on Service Quality was mainlained throughoul tae potiod aan ADC Lusi IB successfully enrolled 2,564 customers and closed tho pariad with total card base of 20,518, transisting into 15% growth, VDC usage aver POS also increased YoY by Rs. 18.9 million with increase in POS transcetion by 4,826: usage increased by 22%.During the period tolal Usage over POS by Rs, 91.8 million has been recorded with total POS wansaction of 27,004 transactions. Compliance with Minimum Capital Requirement (MCR) and Capital Adequacy Ratio (CAR) As at Jane 30, 2019, the oquity of the Bank stood al Rs.14.58 billion exchuding deficit on revaluation of assets, This includes share capital (net of tossoa and discount on shares) of Rs. 13.76 billion against the minimums requirement of Rs. 10.00 billion as prescribed by SBP. Further, the Capital Adequacy Ratio (CAR) of the Bank is, 10.43% aguinal the minimum CAR requirement of the State Bank of Pakisten of 11.90%, The CAR requirement of | 1.90% is made up of minimurn CAR of 10% plus 1.90% of Capital Conservation Buffer (CCB). The Bank bas requesicd exemption from SLP fom meeting the CAR requirements till Decomber 31, 2019. The Bank has also conmunieaied to SBP its pian for compliance with CAR requiremonts whieh includes reduction in corporate exposures, improvenicat in profits, disposal of non-banking assets acquired in salistaction of claims (NIBAs} and issuance of firther capital, Page 4.of 6 Sikbank Limtted Genteal Oifiea: 22n¢ Foc. Centre Poin| Of: Sheficecte-la! Expressuny, Near KPT fntorchange Kerang. Karaci-74500 AEX 1 UA: O21-H11-00-PAS6 Paw: OP4-SERO5787 Webette: yraubaniccom ps "Gay No Te Conupticn”Credit Rating ‘The long term entity rating of the Bank is A- (Single A Minus) and the short (orm rating is A-2 {(A-Two) as determined by “JCR VIS” Credit Rating Company Limited. The outlook on the assigned rating is “Stable”. Future Outlook Going forward, in addition to imolomenting the Bank's declared strategy to improve profitability by greater coverage, asset poiformence and productivity, efforts will be made fo build care deposit base which will complement overall Bank’s sategy te reduce reliance on large ticket deposits and simalioneously dilute cost of funds. Pocus therefore will be on bringing in smail ticket eash snd saving bank accounts. The Bank would finther focus on disposal of NBAs and reduction of evergreen lines und the corporate portfolio and improve upon short torm trade lines. Fiforts will also be made fo revive aggressively, the mortgage assets business to provide further growth in the consumer banking business. Most imporiantiy, the Bank will inereasingly emphasize on its human capital by strengthening “a pay for performance culture” and improved succession planning process. In uldition to the 35 now branches, the Bank intends (o continue increasing its geographical footprinl. Tn order to provide a pletform to cater to the unbarked population, the Bank has prepared to establish digital banking te increase its outreach which is expected (o be launched shortly. By introducing tho “smart branch” concept, the Bank will also inerease its distribution footprint and increase the number of branches al strategie focations all ever the couaty, which will enhance tho Bank’s ability to mebilize deposits and subsequently lend and invest increasingly in earning assets. With the sueccssfil implementation of the strategies outlined above, your Directors are hopefiut that the profitable growth of the Bank will continue in the years (o come. Page 5 of 6 Sitkbank Limited Gontrat Office: 22nd Floor, Cerkso Point Of: Shahood-<-Hflat Beprossway, Noar KPT inerchanga Kacanah, Karaeht-74500 PAEX / UAW: 021-111-00-2488 Fox: 921-36005787 Wehsile: wins sikback oom pe "Say Aa Ta Campton”Acknowledgement SILKBANK 7 ‘We once again iake this opportunity to express cur doopest gratitude to our customers and business paviners for their continued support and trust, and our sincere appreciation to the State Bank of Paicstan for their guidance end cooperation. We are also equally thankful to our associates, stall and colicegnes for their committed services, and look forward to their conlinued support. pate Dee [le ‘aamat Taster President & CEO Karnelti, Angust 27, 2019 Siikhank Limited Centrat Office: 22nd Floor, Cente Foiet OM Shahoade-Vilat Expressway, Hear KPT interchange Korarg, Karacti-74800 PABX UAN: 021-11'-00-7455 Fax: 021-35805787 Website: vavw.sikvank cot ok “Say No To-Coerapion” Tor und on Behalf of the Board of Silkbank Limited Kbalid Aziz Mirza Acting Chairman Page 6 of 6SILKBANK LIMITED Condensed Interim Financial Statements For The Half Year Ended June 30, 2019SILKBANK LIMITED CONDENSED INTERIM STATEMENT OF FINANCIAL POSITION AS AT JUNE 30, 2049 June 30, December 34. 20t9 2018 Un-audtted Audited Note Rupoos in "600 ASSETS Cesh and balances with treasury banks 8 15:707.085| [__ ABTESET Balances with otter banks 8 652514 909,904 Lendings fo fisencalinstiutfons 10 a7.703,584| | $612,156 Investments it 9,430,425 | | 28,924,903 Advances 12 | awe2ra9%8] | 98,294,002 Fives acsats 13 39t5as2|| 3981274 Intangible assets 14 290,845 226 840 Deferred tax assets 18 29089031] 3.008547 Other eseete 6 25,631,779] | 20.291,529 790,285,109 176,570,099 LIABILITIES Bills payable 7 aera ae6 | [2a0ene8 | Borewings. 8 sanaass || 18,091,856 Beposite and other accounts 9 443,276,430 || 152,684,084 Lebiltos against assets subject to nance tease 20 380 2683 Subordinated debt 2 4,989,400 4,999,600 Deferred tax tables - - Other Habits 2 9,457,201 0,599,408, 755,687,755 _ 152,184,252 NET ASSETS AAS57.366 __ 14;396,747 REPRESENTED BY ‘Sharahokders’ equity Share capital net 23 PAAiATA —-28.434,37A Reservas 820,880 820.890 Deficit on revaluation of assats -net of tax 24 (26,833) 8.207 Accumutated loss 0,688,277) (9,797,310) 14,557,954 CONTINGENCIES AND COMMITMENTS 25 “Tho annexed noles 1 to 46 forman integrat part of thesa financial statements. Mes cede | lm, IE Le Chet Financial toes Prooldent & Ghiet Executive Giloer res fol (Ne.‘SILKBANK | MHTED CONDENSED INTERIM PROFIT ANN OSS ACCOUNT - UNAUDITED FOR THE HALE YEAR ENDED JUNE 0, 2018 Donmeranas year 08 emes0, dum, Ne, ae ‘wit 29 8 ot yeas awed ru rtm te cao ar [—aehiest] (asst) aaase) [sci] Nae eb! pn ret xpd zo |. eatgasy| _caznion||_eavezm|| oream Teeter Jett rest eee iiss ete ares ST Fata cori eno » iaaaa] ae] [aera] [a Dens aane| baat at ori ecang B81 eon anete] | sssee|| pannel) ec eco ss notcaaeaies ‘enaea|| are] saaname |) con (Gant inner sent » 2380] sae] “toaaom| 77 Seorncnae m1 pasaal |____sscsie ‘ase] | __noes) “Tat mocap tabret heme ia Tam wanes Tae “otal ncame a HER UARKUPFIVTEREST EXPENSES seangopeaes oe [7 iarag] [erin] (—enaaan] ‘ce wen Fee e258) | con] 53] ‘er nage s asa0) asa. ._uasomn| Basen Gaz Raum Profiteers prion, ata eran fususut mane eaten “aa ae Proc arnt 4 Gitaen aaa) okey sss PROP BEFORE TAXATION a aT a TT resem * wares (650s) PROFIT AFTER TAKATION == = ‘ste ana hand Eamiags Porte e “Te sraadnsas| Stent agaipattne ras stenans, SVE pe? KA a inet: Breeton eatSILKBANK UNITED CONDENSED INTESII STATEMENT C# COMPREHENSIVE INGOME - UNAUDITED FOR TRE HAL= YEAR ENDED JUNE 30, 2019 cer tana Har erences eas, sana na ae reteset ovore prod rr ) OsGerconpraaie naam oss) items lay be elsif ero at esa acount ssosngua pts: ese! ttt on escent resins ate ears) wom amr ean tena ina wot te nea prt atton canna ovbeaven peat Ronsrsasmantatin fat) on foe oetaclannt sete wa wa eas] Forse nouns onrordunan ef Gnd se sati 2 ee te Mover nus neat antag ast ret at 2 nox Gia oa tom “3a “oss ouernencta nese sige ae Tro ieecdots | fosSton ss iapal pat bese uci stamens, a ae. rt Fnac ores lured‘SHLKRANK LIMITED CONDENSED INTERIM STATEMENT QF CHANGES IN EQUITY - UNAUDITED FOR THE HALF YEAR ENDED JUNE 30, 2019 “Warph Taatiyon | _capkar | Revaane revuuntonol | Reserve | reserve Share reed 7 oat IPRA | iyventmante | NO | Statutory | Ascomatatog] — Eqety weaning | Rovere’ | Loss ‘Assets _ Rupees in 20 fBatncee as at Sanvaty OF, 2018 Auten rsanisrs RGR AOR asAgOS HODES 3.481.248 Prot te tovation forthe bal yearend June 8, 2018 -Unvouces - : . ras10 745040 Offer conprchensive se tof tex- Ue auto’ : seen wm ey ret Trane Yon apis a evauaion ol fiedassets ‘on soocurt i lnenentl eprecati-ne ol - sac ,780 “Trans om sus nn cevzaon 0! eotarkieg ‘ose on acinatofcnposal af nea nec : balances sat June 39,2010 -Urmeuciod Bana Prot fr taxa er the na year ended Oocemes 91,2918 Urea - - : sea28 Other conprahansive ks - eee tx Lastidies : ross eo ene Transforo stata resenes : ° mage “Transfer rom sup 0 evaluation of nd asset ‘on asoeuralncentrtal Gepeciaan-re le - : - 1.708 “Transat rm surpls 1 evauaton of nor-bxkira ‘asnela an acioLl oF eaposel of seats nat of tox - - - sez 902 “Transfer rom spe on evluain of nen-baklbg ‘eaets on eenointat tarsfrre © 6ced asset ot 368 383 alances ab at Dacenber $1, 2015 -Auioa asiara Gaia anes waa SATs 1408 fri afer tna fe the na year eared June 38, 2019 - Unouoles - : 031 ‘ther somprahaasive leone’ (oss) nat eftax -Uravdies : wre 6a) 10.813 Teaveferrom sul on revatio ol fed aese - arses ‘oe acco al Ioerentl depreciation. net te sianses ae at Sune 39,2010 -rsuddad aa + stony raservesrepresert nat sol alte as por eqirauas of aston 2 ofthe Baling Corponie Orshaves, 1082 “The nena eotes 1294S rman ntaga pa of ease marca sateen EAM Proatfant 2 Chiat Executive Cieae ‘ + (We Biedtor ye iga7y —7584e — aon a8 TT‘SILKBANK LIMITED ONDENSED INTERIM CASH FLOW STATEMENT - UNAUDITED FOR THE HALF YEAR ENDED JUNE 30, 2019 ume30, June 20, 1019 2018 Note Rupooe tn 060 (CASH FLOW FROM OPERATING ACTWATIES Profi before fmaton 254,128 1073.218 ‘Less: Buldand income a fA - "-penses _Te7a218 Adjustinaots: Depreciation on aed assets 32 Cr Depreciation or nen-backing assole 2 anerT 39813 ‘Amagtezallon of rlangbe assets 32 39,883, 52615 ‘Amostestion af premiam on lvastnents eat 2ass6}i 127.857 ‘Peanfalens againt oon advances a estas || 744.590 Goin on act af ad sasate 4 39) 1083) ‘qroalzag lose gain) on revoliafon ofiwerinarts held for inag 8 468 400) ‘Stara of 00 doreassiciete ot (aoa 6.249) {Less (gon) on sa of ror-panking assets at tsnes2|] 81,728) Write 06 against iad sasats : Fa 2,080 on Teao0s 62 a2 1728.<8i (ener. da6i] [— 6aa6a77 [Net ivestments in ne-or-reing secuces sostrt0 |} (9369,760 aevancas eearz.tca\|] 440,008) Ofte assets (relung advance taxation) tsavoeey|| 135,700, 878.695) ‘tDeecease increase tx operating fables ate payable 218,702] [ (1387 7) Besreningt 3747226) | 19808.251) Depoots ‘sepetaz4a || 15085,307 ‘OMer Rebates fexshoing cue teen) 28747983, 3,921,908, ‘aa1e59) {income ta pid 380,949) ‘Net cach fou used fn oporating activites ¥45m2,15)— (BSO1.T48) (CASH FLOW FROM AWESTING ACTIVITICS ‘Nel investnent i evetaniefr-ate secirhies [vapenseo | Tia 078] Nel tvestment in Rele-te-matnly secoros 257,050] . Dividend cecelved $425 ies Ne ievesteant fh fred essots axe langle assets s7.069)]| 982,120] Proceeds en dsaosatofnor-barkinn s5éels 2axet0|| 429.085 reccede en denotalof fixed gerats Lz 24.184 [Not enah Bow generated fram Invacting setlvilos VEFiswo — Wapae.76 GASH FLOW EKOM HANGING ACTIATIES _ Payment of subordineted debis ~~ Goo] a) Payrert o nance otse oigefon pz73 2.059) Not cash fow used in financing activites RATS 2.788) meroase in eaah and cash equivelanta, Fava 3704278 (Gaah anc each equvelenta atthe Bognang ofthe gaced Qfetset —aent.t06 ‘Sno ard oosh equiveloat at hoard of the porta 37“ Ye3en.e05 _72.395,500 {ho smaved nae to 45 fom aint ptf ace nana etaaants.C18 on ie] ontor sa ese conte Financ erosident CISILSBANK Limited TO THE CONDENGED INTERIM FINANCIAL STATEMENTS . UNAUDITED Nor! FOR THE HALF YEAR ENDED JUNE 30, 2019 ‘ 22 at STATUS AND NATURE OF BUSHEESS. Soak Listes (he Berk) was tanoatad a Pitan 0% Apa 6, 1006 as a Ae ed cormpay wer the Companics Aah 2017. The Bank Sthrtanca coments operons Nay, 138, Foe Dares shaveyofe ated on Pate lor Gworeepe eed. Ts Rant sagan sang Tener as esau ete boring Companies Guimomm 1882: The Govt opertos teaugh 129 exces Decrmbee 34, 201R 122 banchesh FEISS So joecenner 2018-20) eos anon branches ie Patan Tro San eet fe toate at ian Buin, OM, Fak, ‘bead. she chorion ed ongierm cee mage othe Bank le y JORIS Croat Ratna Comsat Lime nda 20°8 aro'AZ anc "A? reopectv, ane shwatoes othe fank aso June 30, 2018 ac Sinhas Capa arptsog cM. Shao Tad, Mt, Saieg Sayeed and Mt amt Tain, Ae Hake Cowotalon Uke teralenl Pherco Capevaon (#0) Nomura Evopeen Ivesinart Laiba fant thst SAUG a0 A. agama Navas Chain, bas Nowa Chaar Saumeet Group as at Joe 30, 2016, the acu ol he Bark Is Rs, 1458 When excang daft on yeratston ef asso is Inaueas sara cap ret of hsios an EEcounten shoes ot Rs E476 bron pin be mm feet os. 10 bien 38 pracrbod by SB, Puree, ie Cake AGeguney Rais {Grad atthe Banke 1045 ob agaret he rein CAR rociraman of tle an of Paisan F90P) of F.80%. The OAR cenmon! of €L00% trabeop elnmnan CAN Gt 1 30% af Capt coseivaon Bul (OCD), ‘The Bank hs rq xonpin Gor G3P forme Ro CAT segments Gi Dsshar 34,260. The Banas see commute SEP i Faas ee cin Sat kethonmtavelch ntaion eturtn inesyparie erpocume,morevenent ik Pi, fspos of eombenkes ees 2nd Eeoneea aor aopt aot OF pResEATATION In seondanco wis the dtees of as Fede Goverment eptag siting of fhe being system f sarc odes te SBF Res sued vas (easton dno i me: Parse ons ol deed frocre of inant Ino purse ct goods by De Darks am fhe cise ad ‘inet esau o hom slapuoyte ercop n fs 20 exferedpajnol bas. Tae pune end 3a acing undor et evergamars ar nat ‘Stack tor natal ctor Sos rane ecto te mat of welt actualy wed ond te pots prtonof moa ter. ‘re Hone using wanchos of Re Sank hve snp wh the eguemenlé text sara atl Hecoulng Sharda EAS sued TP actoata of GhotcrsdAccounero ef Pasisten (OAP) and ees under prousienent MeCampanios Ac 2817 econ fr eaten af FAS thvit Lore hag en Depoua ae eonsdln vote 22 ‘oe Sorc rte a he emi abing ches haw on ined tethesacendences te tnatcl sateen fr epoiny rurrsts, ti ‘uaig mare oyanehtaneecSonsbtanees Rey fnancl guree othe ele banking eanetes ar Sele i 0 hess orden ‘nese coansastclamerts, STATEMENT OF COMPLIANCE ‘ese cena nee Reon satomortchave sean papard in aecaeence ih he srsuring at fpatinn stands 28 spleen, ‘Tee ocemmfng an openg daniots v8 ppteabe mPkaa Conese "Th secmuning sora semprcaof ichintmatonl Financ Regoring Sanders (ERS) 2txed bth temakonsl Aceaurtng Sanioee Booed (unt cometted undo ie Cannon Ach 2017 tear anal Accouring Sudstds(AS) sud by nent of Chases Aczounans el Pesan (API, #8 se ood water e Contes act 2007 « Pevslonotendicowes eit unde te dankng Copenica nance, {#02 ard he Compass Jet 207; - Dense sve GBP andthe Gacuies aa Exchange Cariicton of Falken (SECE Kom Ee fv \nanave th eqitemens otha Beng Comptes Oinanco, ESR, Ue Companies Ac, 20:7 a re ects issued by Re SEP an te SECP ‘Sor ik the eavtamerts of PRS ar FAS, te queens ofthe Eating Corrales Crnarce, 1962, be Companies Act 2017 and ho sas aiacauos stale “The SP hes defor he aplsty of tematoalAccouting Sasa (AS), Fnancalinevuneits Rebagv at Woreuemes!endIAD 42, “Hezmeet Pepa for Berkog ompansa tough 690 Cea! Na. "0 dai Aqua 20,10. Turher, te SEP hee delved te ops oF IFAS 'Reenah nurrats Oecosase on baskets BLO. #15) 12088 died Apel 2b, 2000, Acorn, he earans of ovr saad Tate ftom curate rhe poparate ef haan canted asi Hoon stamens Howouny, vesinart har besa safe a waked Sooatove lie mcgrumeta reseed by Bo SOP tough ators roaPr a a4 ne Sate BonketPatioanfusuph OPM Cina Ne 4 of 2945 dled Fobman 26, 285 hasueloved 2pySably of FAS.2¢or Pete Lows Shain Tetons Paty saued ys ICAP nd otod by tho SECP i uicSHD No $24 af 279 Sed une 2, 203 for suns ofersasiemic hands Sune (FS), Te send es mcr rau etoniranin te conte! ern tances fe Bank ‘hedlicksaosmadoin fee ondepaed nar enc dating st tad aacodon efor pesrbed bythe SBP vide OPO declritoe a Fouon sven 2 2°9 and itoratina Asooning Stncaré (4S) 24 Iron Faecal Rearing aus do otiadude ab forma requred nee nl inandal lamer, According. thera condensed mle iran edoros sone be ead n cnxinten vite We seal i saternets the Sark bre your ended Devenbar 1, 20%, The anes fort eedicedcedae cow Gloss od hes reali te (oloung sigs, orm peosplncas encening to Rs. 2.7878 rion (Camber 1, 201: Ra. 2.5167 mon WHE ete pravouNy son a apo kenge ane ‘Snshimet enol aga an bance stash ss asa and fbi, Tey ar beled alto oats este TO ond ha Tab (ote 23, BASIS OF NEASUREMESTT ‘hate rsdoned ei andl staamorts have kes peparad edt ohio comanton excop alee feel essa end nor taneg susus coming voor slsPton ef clans ai» sated sored arpurts as curate deyeecalon and sicuilted ingen bata (ere ‘pylerti nd eran mowmants ged Cones Gnabost nerumere tne toot east at fa vae and a4 cbigaben nrospet cl ema baac ‘hams so caudal el preserves {wus crea sft aero touserd pen onsen othondes ct sroxencmr agcounnine roe “Tha aecoifn aes ana mutha of empuion asta fr 0 arent of hese condensin Rann stats ao snes tase ‘Sewatin ho popsaiow ae sen! ancl sateen the Bank fore year ented Gecenbar 2018 Standaeds,interpresions snd amandnateto accouthn and epeting stand Matare not yates “To faling ne stoards and ilrpotabons of ane amednants 19 one seenucng od copony soncete tbe waco fe Ne ator _Bavlmne ota agoina ine teipestee er Ua lepton ar amerdiner standard ntergrsation 9 Semedoneat stogrvedate wana pride teghokngomor fed ERS.3-Defiton of Gusloess (Amandine Seruneyor 2020 [nS -frosonbn of Fn Statrora (magemens) enaneyou 2820 [aS Awovni Pcen chanaae nAccocang Extatea abs ears (Amendnente Vinaneyos 2020 RS ie-Leseee “anne, 28 ‘tootvedat insets sadn on cath [PRS 0- Fine nstumors: seston ard acsueert pono 30, 2019 “ne SECP, fomgl SRO 2291) | REIN deos Fervar 16,208, Nas ates ie FAS 9, Parc fsrcant azote ox secung noedd hing ona fe? Jone 30, 2012 Moveveybesad on ha Gudace caved fata SBP’ Ua voquementeof FRG Baye wl Ct need Pasi epesto tha Guth in armas thea exter roar fel tenet. IFRS 4: Fieri Kettumeys atone rowyitin,seaafocton, mossroncet okt dapeagtan of Keane settee neni iblies, The Hordes so buwducel ne tpsievare ma or rate eest tic rocuee ocean elpaon charg based onan Expected Cie Stier eC) appoesh mor bre be ied rata sue appeach 2 curany flawed. The Las apa en al abso fe Oe vlc > ‘Seponed seve sk The Be hes eed ae eTF RSD espect of cern ereasBrenetes, “The Banks nthe soca of asso.ing to liga oft anda. Theo ore ceran sev ak avendes santas and intepetalans oo foros fo a ee 4.9 to ta Ean Nana state fo We yaar erdes Devenbe’ S204, al or rear erthe Banke securing pels bey ox or ao! Jara 202 bl ate cenaieved ol 0 Be levator dpeothave iy sgioat stan on to Ban's operlors erate Gurr ot foes binese condurcd si Benet stonersa4 ry 6 [FRG 18 veplacs axtegguienco on aeroung fr losses, net AS 17 ‘Lessey. ETHC 4 Deleang water on Avangenaxt Fe Sitar Sele Cpeaing Lower nosive ane S627 Evolstry tn Suncbice of Transactions newng ke Legal Ferma (GRE Fre wr iene angie on tl ser lovee sosuntng mods for Teaoes. A weeenracogises 9 rafwotan eset ‘Soeseming te it ove caring nel oe lasaetaiiy eons is ehigation tomekolosse portent. Toss we espa ceria ar ait taretznacy ant estan afm van fapte tscenraceovtng emai sn oth cura lands essos cine Sanka tecor ar naconwar spring lesen, On agin ofS 1, HOBaHK aha eeapisa aa um eset wih conesDOrg Raiiytoreseepaymact= itty, 9¢ per PLO. £4 {2088 deed Aor 9, 28 ketabhy SECP, TERS Tes ete fom “heen tesorng pend Bekele on oF TRIS zonce toonver, ve porSbD cu le 20 & ef 2076 aueden:Apl 32, 2012, fa mgfeneraton das of ERS 15 ft trial DEI ABs hes ton touted fost Senuany 4, 207819 eo 3a, 2012. Teeter, ths aad epplotio do ss mended by SEP Elin etan ot SO for trlamenton ast i SRD, ld be Armusk oor geod begang oe fee ns 90,2013" \e.on Tonuoe £2000 Th Ben rene ine procoesel sesesingths limps of tis lar, 2048 standaed, fermtetions of a anterior ta accountng and eponten sfandards Rat are eect ave ‘Aa feel on nl 2.810 ho Bas arc saenetstorns year onits Uecab 91, 2019, there we eaten santos omordioria ‘ainurstedane nt eosin fo he ll prog Doge Most Joga 1, 2019 oar ten Bone docosa i ote. Thore “Tocnsred aba mato be buat cl i hage any spent rgncton ha Dan ceenoed vm incre Sater CRETOAL ACCOUNTING ESTIMATES AND JODSNENTS Tho bal aed motos aed fo amleal acromnig esses a utynans etoye In ese cndecd WeAn tens eomeon Tame a+ hove spin ee preperation annals stones of sia Buk Wr Ue yes! ended Descber 9,248 PRARCIAL SK AMAGEMENT “The Ban’ tance ok macogementctjacves einige ee coeigenk wt oso dcovatn Seni oneal rhe Yr shone Davee 21,2018 suno98,Dacorberst, 8 aie ase Aue Nota Rupes 60 ‘SASH AND BALANCES TH TREASURY BANE Taeatcaneter Tai Feadlgn rene ‘sanait Bart ‘i stat keane a — tem coer cart cat a “0867 Fenign carer caret eee ‘eas Fong carte sept ecnet a span aan Wt Rena Ban of Pakttan aca enc enero sia Nato Pianos wane aa uss orc Depmstowth te COP vee malted loco wie satiny equkemarts fhe SP cod hom Bele ne (acion 220 Retankhng Somponie Sinan, 12 “Tis represents sxountmiflned ihre SBPto orp wth SpesktCsh Reserve requeiten (FE-26 shams #3 pesenbec by SO baie aarestaies ngng fom A821 18 (Cocmnbec 1, 2048 006% 135%), stune2t, Deceabar st, 7088 ats Unsndind Aviad Aapose ia 200 BALANCES WHTHOTHIER SANE eventoccaet aaae]f eee appestacct ee as Bare eee Ouse Patisan hhewentaccunt ais a8 ase, on. 004 ENDINGS TO FHANCRL RB TTLTIONS Repurniee agement eniings Proves mp) veaiosss 1198504 oeoase 946.29 Farogn gocenen: ‘8a Maja sce tom See Bae Paton ssa TALS "ESTES” 2 eveeTHENtS tnvosiments bs eid orsretion socuies nara tess vee trate secure sata Ute ‘Tom France Curtfcas. tates ‘am Pace Carfenee-Unlsea Hestsnaturty secattos _aresraqurdeie pul proion. ‘tne Fess Goverment Secs Aorta ‘Tolatinrastreels svatments by sega: Fora Boseramunt Serato: OF preouiuns vot um Shave Usted conpaner edited compan ‘om France Caries Utes Shares epuchase uty ora) patonlats ‘0tinearenes Company Leet __— na 0.2018. (Ca sesh Decay 58,208 Aust Resid provision tor Surntaa! Cama Coch Srovtsiontor Skee! sewrtne “mute” fareay “me” MRE “Sorwon’ toy THEE _ ‘Rupase in "OC veer dion oats 10p60880 ose 0081457 PASTAS aoF 2asrasn ti assiz2 gem] 4Hi.505] aerener cour] 38ig00 || room aoizin| woaas ‘ouver tuaan| pnace|| “aoetare| =| comin) ose tesa exo] aan) tana aia) rane sno) aig) son] siaet re ee ee seat : come|| ersm| = | eta] as ero | an) a 0g) " THe —Hean —Gaiiay manne —Tamecane team ea Vera Fane | rasta] ~ Faso) (aowa ise dam Sa naw Fra ino : wan tas est Tee a 82: Cuan Cosl? — mrewiaton tor Gaels) Cauryln Cos) | prowaten tor Burglue? TEL, Perak sug: yea wa Meine Se cage cntcine Soon’ Gay xt st ay any eee] 4ase7es |f teaonon2 - 6H 14.402 22 | eee] ~ | ten] ssstm|| feos eae] noes remap 2) MES) de | anne roa] aoe ass (23877) es 20825,021 228,067) 26,900,064 304873 = pee] 72638 args Baie 135.368) Tag I Se) el =| wite| — tat aa maa rat — SS pt a 274,904 ~ amy] eaace] [zone ~ 714, 300.24 ee 2) | See] ee el et ae ee ave gm naw gun11.24 leanstnantslvmas colt 36 ceonba’ st, a0 Ba osudiea Asin posta Tet fore 413° Proton sistant erent 138 oping tne wae 0 charge oven _ ‘acre erhepeoa! yor 2 2 ‘Ctectng tatanae, = Tene 3b, Wee“ Beanner dr Aad Sategaryof carson Noaretomntes] provsien || peter | reodcbn Rupees nF ~~ tose nig sso am vet a8 eee, {HA Thoeeie ve cfsonin cared ane onary 258 iin (Coca, 200: NO 2 aemtees - — az 1 (ke arma =< insti | ERT | ane CaS Hes | ORT oe aepeas cD ton geen eet 8 Tauusitt mags Tamas atseane nas Ta2em00 ‘Banitemnenganc esi erste ay Bague | aniet fies ueieis | masyias | RenoUad Steaoronint nursed tasrser _—gicie, ea. cea “raise ag suas ons Tetisiass —Gianssae”——yfansat——ineca—tataare ——tohsan 50 Proreonaquon ances a _ Se cr a ‘caw nas] opps i a Fae ——"srel eas aaa eget at bance tact rots Theis Ganson. seers hiner, vonsiasia—vessea sme36,—icambe apee 0 sat rater ot seve sss : inseam are roggenset inerege tere : “sna? 122 Abonre te. in (econoarB, He 8M ni wh ae broad inp Re bad Te“ TA | casero lcrioxon Prion Peis pace Ena ane animate oa Sin eas er ears te pH aap snes ase ‘ee Hinge Shears —— gine Seta 123 pared of poison spatatace preva atten SE EN Nn a a ae a Spang ttace asuas warm saintsh are sonnei Cone ios 991 Vame THe | fete or mepeca rye an sucess) _ 8 tear wir Wag) tierce Tarao Tas ae dca tect a : oan) i ‘Sean ones tees ——rassss aintyast 1232 i233 8 24 32 we “ ‘S80 vide vaions cress nas anerced Frutnta! Ragulauoe expect of eusoiag agoinst nae pevoming advances ander teh ‘oe beeett of rercu Gals lus 54) has Uren alr for plat sed reciinry une charg, pledged lek and reneged ent, fExemeraar ae KULeat flopetes (dan tatahg ony eld ay cotta aglent ton-peraring svaneae spt hve year een I ‘eteorezsstcaten, AS Sune 32, 2012, he Bankae arated FY tenem aga: al aon grfoingaduencas Hed He benef ret teen aan by ho Bank, [BOM ater ot vou Pave tae ON YF, 2B aon (Gacamber SI, 2046; Re. TOE ml, whlch sl ro ae vena fx pope of (810 sok Baden / ors to employes ‘is pet Prentit Ragulation for conser froscing issue bythe SBP, pereniage of rascive is Ines > non-perarning ous SS fools rato. Corseyoenty, Me geistal pransanng on eancuertrancng ts mata at $% (leone 9, 208: TH) of une petal ofthe care. 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Fe remsiniy palace is e0bed to be pad by te buy hi yrs From Be els ofthe Aareomter. As peri eat of Agreement, ear aged pay orcus ce based nie ostsaeng ems tf eonsevaon tom ine date of ena of appromls orn relevant aunoies, howsre,on June 2, 203, the buy hs Previa he Cane ts pay sone ent tet foi daly, 2015, Dring te ped he Bonk bos ecouad ental Income erouing Wo Re, 78.8 talon (de 3, 2015 Re, 72 lion 28 else in non 35. As pet Bo lors of he Agreomork heaps the biysr fale to ey the Sturt velo belay ate eonalaton te ofvenenrceved of shal ard oneea, Seco We cones fa eenprse taps ronoline naprevous eae Ole Baling hes not bon dowengteat ee30,—_oannber th 2010 zot8 Unaudited Austed upsee i"teo TARESIOLE ASSETS opiate in pegeeos re20 es.te7 saga 61578 Sehwore Fan Baeageesinsece HAE Affine to ntngite assets “natalia aoa benedeni Captalnotce pagers sage set Sale (seyeurenases) rape ae Tab Ha Aum, onbar 3, 29 ‘is Ueawdied musts Nite ‘Rupeesin 0} 15 eFERRED TAXASSEYS earcetsTemgoreeyDtesncaeon 7 -Poaintiemantampertctenfs a Tam “Detton cooknieg ct we sts » sap nour “Precontoramnton vale evens 33 “peigonagena son gororsra sone aatopne| | apzrave “Paonionogtd vere Rotare Fad OF) ‘ae|| aoe “Peoison agua abr aso zagse|| zante “Depreiafonen von bang sels rene || asm psbianeatxaerenaan szsai|| se Saeigze 8 ‘enti TanponyDieencason Sup on reeaton cof gonna 34088 ease] f eae “ups eveelofowoT sted asses sseon]|—gesenl Ase apres paava]|__emzsn aizs93), os) TEBE some BE 161 ma Bek nas a age amin of doe lax ase a 5. 20 Ado Decne BI a8 A 2.604 a CY ASS Tteguncnt eo ena af Or ake enue pmo tba’ le ye ba tm a eso ax bly othe Henk vd ite sto her Sour Spin tate ipo iterencss alate yen Te ik spree ‘rove te cst fr re ne, ih au er or by eGo of roc BN Se feccacnny of ctene ax aco Te pelea rl eta ay egnagarart arava uta este of fas a Pot ne deternann of ore abe ona oe sens lo cata ay fears uh at got ia ast doponts geld. 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Provision hte agate otir aeete ‘ire fp Suen iano pense ovencatia yrovion ha at ter st prides Grae ur nage yar eva aap oak ntauneeor depot yea Revs on siposaltutasit Gosngtaace sa es eel Casta Rua, SP mor otopson ey ane poeta eve YES ‘el comvor abate the Bock ond ca have emmy eye fe pa [nf NombecotshreetobuieceoatoTPS blsere athe tine conven requ (he “uttering Enon alon otha TE" Get hy tot so por ehara et foe dete ‘oramon equ ania data ager of enenseabthy aval sedan SEP, sublet espat LAB 9008) ear tone, Oreembor 21 Mole Repeonin Goh OTHER LASTS Malou see Fil payin eal arene vigor rR oso ree stone gseaein rican 20288 Acre epanees 2ia00 ovepancas| azreses Mato nadetens onward contacts ‘ar08 Payatets ered bene pan- pmax stall avai eetredberetplan-cantaca stl Pron aga alee see agen zat ‘tance ocehnd og ss ‘Mares acre seid ue ef eed rls ioe pies Beted nese aat oa taro seem Meier hae ‘Simi pro manager recone ane tore Noschecing sso! vaiz —sohoat Rivonia ercunt as Sbkae Feng eee al appttn ocaig Sohane sana ° ote Sects eo. ita rrtstonsgalestottbalarce haat obigatons neaieg Chega te thoporid yet eveteals forth pea oar eur ten ct ‘ox lores ie i Ins nutes stvonce amounting 1s. 170.8 len ecember 91, 2098: Re. 17.8% nln cased gant Hur pnd nen ‘nveg asst fang) messurng 127,311 sane ys 9 teoed fla 38Fa at 282 04 SHARE CAPTALNET poses capt Unaudited Auea ‘hehe of sates in 000 sasingoe ‘10800500 Ontnary shes of R10 each Issued, subscrbed an paid ep capil sane 39, Dscerberst 2019 28 Unaudied —Audied ‘Number of area 03 ‘onsinaryshareg rR te eve seeigs1 Somes Fury ait ecesn Less: Utecuntondssue of shares EOE a DEFEAT ON REVALUATION OF ASSETS- NETOF TAK (otic suntus ca ovauaton of Avila or al secures Dtecrea tx on denen 1 serps) on revaution ct -Avoilbl ft ste secures “Fivedasets Novant assets ‘COHTINGENCIES AND COMMITHENTS hancl garanees Pestrnsove gure: ‘Otter guaratior Dctrnentey snc et shart ae tla rssctons teers of eae Connie expat rvnedfacign sean cance “forte govemmert eres anseatone Cecesanenaforacquldoa at “ind atte 25.2.4 Germmlnents In expect of fonverd foreign exchenge contrasts Puectase a0 208 2016 unaided ste Note Rapeos ta 'c00 sano, __resauo0 sogigsw — sosiesiz (er297286) 7987258) Tau aa WA 1187, 1833] waza srl} “sence we Laz || sar erat) aT | 6 Hise} (82.877}} 5 | ‘ase 539 ease we 61 | 7aparras| {amas x] mana || cassia ea |_ “gosta || “etanase SBE, Es, wan] [ara azians |] sontans ease Bran aasrsee|| asa aszs} aentaar|] sconom zez2| “tovonea |] ezazon eal] seas se¢i “ age mais eseaan | [10847003 szigast||__4951.178 Bssviat, —isa0sneeJues30,— Wecembor 3, Usuated Audie Rupees w¥08 25.2.2 Comuttmants i nsgcet of foruard government seevlies arsantions ale sgesoea || s2azsz04 4580,062 252.3 me wank makes commitments to exes cea the aoieal couse of is buses bullhas beng evLattecommitmenss do ace ay slacart pnoly or erporsoit he oct unary whee alms scrim he Bank notacinentedred as debt {lame sana the Bonk by Compalton Commision o Paki ters un030,—Deconber 208 aie Unaudies Auld Ropes in 0b Tae “Tienes 709.1 Sus fr comages of Ra 24.42 tin [Oecomtor M1, 2068 8. 2448 blog) have beer Ald acre he Bank by vada buewes / ployee invenpee af olan dapuicerealeigt lane and edvoncea, The merogement oldie Oprk ao opal counea ona Wa {Ge sui a a colatas ih ponsa of tuoyer Fes by He Bask, The Berk ond ego counes! so conf Ba Racasoe a val bo omieeed apart daragoo nave 9 bo ronan auch ul Forcortingereies aso totaatna afore 3.1383 OEFIVATIVE INSTRURFENTS, bne 32,208 (Un antag Focward Convacts Product Anaiveis otoval | Marke Mcket etaotoat | gain des counterparties easing “Banks zaranons S54 -onerenites 21 5880 Total TReaze a (December 31,2948 Ault Femara Contac iofonal | Markt erat Priseipat_|_gain dns Fugees 608 coostepertns Hot “Berks 9.128808 425,00 -Oiberertes $6187 24a88a a {4ARK-UP | RETURN PROFIT INTEREST EARHED one 4a} Loses anaacrances ») vestments © Lesdings a Facial instore 4 Galareoo wih beck MARKUP / RETURN PROFIT / INTEREST EXPENSES 4} Deposits 2} acreowiras ©) Subostcatad debt 4) Cost at oeign cuerency susp airs foreign aarency deposed Rorrawnes 2) Otters FEE 8 COMMISSION BICONE ‘Beane boning msslomerfees Got else fees (ei and rest cards) raat rite fant vestent banking fees Cowrrietlor an tad Coremissos on gustentees ‘Corvrision ca remitinces eudng here rentaroes Corurtstes en bancassuarca Others (2055) (GAIN ON SECURITIES Reoskeed UUneeatsed held foros Restlaed oes) gain ont Federst Goverment Secures Shaet OTHER WOME ert on ropeny an ner-bonking apes Galan sale of had asso net (oss) grinon sale oF non-banking abso eet ent en lees Posage, ol and afer stnice catges ecaverad ‘Shere of prot fom sscoiate ody lose tevanation crerses tote oo lunes, unas 2019 wo Unavdied — Unsualed Rupees 000 Tass 9508,899 7ass5 1,408,478 957409 29,162 a7 1120 3o49895 7085 955, sfogt0s ean eaa ‘aa708 on077 ‘19703 ene wsa15 389 5555 2ate $8277 SBI. es201 too.74 923200 430,328 sw9a78 115,088 - 398 6.198 59,728 sas Tat 40372 29898 saasr 5497 sar. 7300 90 3502) urar8 905) oa Gast (iran, 250 cnr tae) a2, ‘1607 107.708 388 noe tisze32) 81,796 arr ame 15396 7.808 108 Sano 28a sve 284 720,898,2 ‘OPERATING ENPENEEE ‘eialeampenasion expanee Property oxpance Rent ees Ieswranee or non-banling assote ative cost Secuity Greta avers) Repair # mecteneece (role jantaral charges Deprecaten on butngs Depeecitin on or-banking assets Professional charges Information achackouy snp ‘Sotware maiterance Herdwave maintenance Detection oretion este doranpment searges thor opanating exsanses Diese! pe ad slowness Fees ard atowances to Ghatah Board Legal poieesions ehesges Sulgaxeedaenices ons Travelin & camyanen MIFT cloaca choraea eprectevon Teng 8 dovtepmart Postage & cotre: charges Commutation Staion 8 pining Maikeing, ederiseacet & publety ‘does ermunerton brsurance Gretcing deporh prtaeten) opal & scatonaree Fmancstonerges on eased ast Brovetag> andentnnalen Subscépfars anc neve papees Enrtannent ‘Yarcte wring arin Catt related expenses (dbitand ere carts) Seausly Others ‘OTHER cHARCES Ponatoshiposed by State Bank of Pakistn Operatoret ices wun 28, dune, 20g 2018 Uraudted Unused Rupacs in 000 twoqsco 1.835955 soqn86 ‘80,060 435 ous sere 87 5818, sear 40800 srs ones agra 2487 3988 36 i361 vAT.970 euzni0 coy aur 38918 sa38 voce 2.320 20639 seas 20g 124 190.400 Tie.s80 14408 ey 1290 5.69 wore 191.466 20845 18,76 mayen rae, oot 3.392 2032 115.800 15823 25856 22813 aor sage 34705 sons arodat 14077 rd i094 rae mies epee aiat er ‘08; 4438 5.630 tones a8 aa00 zg08 13397 301 sepa ois 1636 ato 200 40 yarss62 18219 ‘asasor” 3201 es. sonst 103904 4559 725,092 "5856 te 30, tune 30, ose 2018 Unaudied — Unaudited tote pags fa "00 PROVISIONS & WRITE OFFS- NEF Provisions against ware 6 aavances 123 ena 4,300 We of agans! hedassos 2080 wat Rasovary often off charied of bad debs gapea 29.4005 600,689 355.054 TAKATION Suurant topse sayiae Pre yeers : . Dotrrad 24661 209,128 7297 327,203, The inoame ta tue of ho tank Have been submnites up te Tax Yeor 2018, The Bork tos fled appeols before Appokate Tabune beens avenue (ATIR] agsint ceria diaelonences onounng ta is. 306 rillon (Dacembac 3, 2010 (Ra.4,£00 millon) ads by Tay offer for Arporonant? Text Vea} 2000-2001, 2001 ZBeD, 2092-2003 ara 2008, The sedllevences emouring to Re, 790 sttan Daceraber 81, 2018; e602 min) in respect of Tax Yours 2003, 206 and 2015 to 208 ato nonding at Comwisioner Irland Revenue (Appscl} (CH (AD. Manayomect Is conddant at the auzeme ofthaze azpeate would b fever othe Uo, hones ix ets Fax Yoats 2011 an 2044 wera salecies for gust. The provestngs of Me AUS FE mn prOCERS, MO Tce nas been gason by ta itventiax autores Zhe piocredinas wis $811 205 ofthe lecame Tax Orcinance, 200t regarding maniocng of winhalcny toxas paaitng fo te Tox Yeats 2011 19 2018 were eootoind. Orcors wots Tesued by fia Assessing Offcerexestna Intl lax demand of Re. 129 mifion (alidy pai by the ban) inluding dete surcharge of Rs. 25 mon. The Bask has od aroeals avail oxors us #817205 boeeo ‘GR (2). The Barkes appeals fer Tax Years 2049 and 2014 baler tha CIR (2) were rejected afer stich epneas before fe ATIR, aac ve bn fe, wih arepencing heen, Neramrert is cnet hae cteaneof exearpeals wot Infect ‘Th Ban's rotun in repactof AK operators have been submited up 0 and leg Tae Yaat 2018. Casale zope wera tad bere the various Agpalate and ater forums wich sa har ponding fer sdention or he proceedings inialad egret Die Bank, ava bannctonnad /nceaun, Mensgemantis confident the accom of ponding sop well ba aro Yin Bare done 38, sure 39, 209 28 Unausiied Unused Rupees in'000 ASIC AND DR.UTSD EARNINGS PER SHARE. Froft er tot or he pero 991 745 910 Weighted overage nemberofouinay shares gouiasy, __sss.s51 [osc end Diutad Earnings Por Share (Ripoc} a 0.98 (CASH AND CASH EQUIVALENTS, ‘cash and baancowa vessury tanks ts707.0951paxot2 Botence wih other bens B01 271,207 iisene” sssTifa uae of aes invest stad on ale nats pa Fee of wun buy nists bar an Hasan Ib _sssuesl etanec one Si of mp vee Uae invents spat he aes safe ie ror soe Fire of feottom oan, tar acts ce ate, ee dots and borings azn be cst sue ty traeseercol eta av erat 2h aise en nse sha re oaragarang mate eestor ea nas “Tordae goo bo ecoyie tet sa oo Us eet ves cen ee] meas veto can icant (Gaza tance seated rari oer einvnlnele ana dae poe tn te ost a he nanan te fr ae tha wma ast ott and aioe ae wot dey tantra eying ‘ala soc sss ad tates 2 first tern naa Pe case of slrare nd drpos teen rm pne Fatewaes of Franch sess Ihe Bua mersute it yakes usog hy fllniy fe vave Newey atest bo Soeiancn of fe na usd i nai Me Leer: Frirvave messromeris ug ques gc auc clear eins asst or ais, Lae Feievnemensrrecs tlt iu De espe da three a eneGDIENSLS ge HAZE niyelbordived fa se plus) o asst, iad tps tel Fetrvue nearer sng attr the azole ality a ro ae bey ra tafe. mokecnale ov Tes bts bs ances tanto nase ath eo the rpating gee by he nf waa iach lo wien na ‘ar io messeman i osetia Sone 36,2018 usted, a HEHE amt! tnwett—Lval Tot a aoe i atta aaer smegnuen tal veg — areata sings eaenss anaes Fatsian iota onde Site =) 3Eime Sieceao Copaisa Same 9220 yor) aaa neal Brae) Bares ist ste omoarce wasn zoe areas “Yarn France Coniiatee -Uetad e007 2 08 e008 (Gash aeodances wth weasuryberks Bauoesvah oberbaie Gasp at tans Sema 5 8h apes =p ttbaeco stl ancl inumants- mammal ‘trate Fon care ren cng fegesn -asmew ante Fone saat don exaoge Tas arene eee Ferd pac grea saci anata : sa Sono ot sowutna sorte reacts yuaer = pea{808 fara Soe saints ‘Sats Lies ‘Teen inues Cates tse Fouacht stat esinead Yutnck measure arabe ‘Gonant inne henry ane ences Ghereses itatnesenet Garten -miszuced aa tae Fares pscnen orogens Foret sie cfs exchange use wea sean Ye SE gee cS ee: aS pe ae ae ae roses ego Tom iin ees eer nema lveama Were ga ag LEER PRR ART EME Nd. ic dowel ue Wo Ee [SOPs Soaks Fat vans of SO? ata Sets sre debe wy ha PGR Ta Jsmomosd by te Fianast Meret Pecocatin (6A) BragH [Roane Those ras dele an stage of ques uot) [art ecto apcoeo tov hes fovitenon sued npn cxipasyw ay ometn ie face let rot es ofan of eben cape ar hn on el tals of th rl ausorcad by te, Mata unde Atsosaton of [Pshetn QasERP] in acetone ni ho ahnsy ey ne seoules ans howe CenmasaietP attr Gems Ya TSE BA CHEATERS UE WT TH aenensoy he Stee aabk rae ormatonened te farvsuanlaarny of Bano ranlacat 2 Fngascl nt ed Bunge weaning asses ttn atte epaiog pd a as elas: SSF eewtt owt tw toot mae awa Te 2a%ae 24s tareaue Sieeoer Sarena ses TEESE comers 208-Aind TERT owt ta? Leal Tae teaest asnsn 24enser ware. Lm sare EE pas ae 382.4 Gutsin clots of et ats od ara uings} and aon aning aol are card st revausé amour (ve reasueman erined Upevostonvaon tocol on ev aerémmentaf Me arakl vey ackcoF msn feltman fr ea onde Once shane3 SEGMENT INFOREATION ‘Scarert Colas wih respect fo Business Asthias Jone 50,2019 aa [wk (ge gt | reser [i Ripase i Ws Proft snd Loss Accoent Netirarsp eure eo AmTAG gtessg ISAT 73S Inter segment avenue net - - - - Noo Aa ofan eer senza sagt sansa ashen ‘Toratinesme “mao Giecey—anaao14azecer ‘Saqment cia expanse Rywesss c7segon GFA) 2.969479) ‘nr eageere expo aecaton esnaei) 'seas01 100 i Tousbergenses, BeaTeS70) THOT 680) 905) ORT Praftbefor Taare —(aitet Te FaT sats ‘Stitommant of Finaiat Peston ‘aan tar tlences TeRsTO 386404 2.255462 10.269005 Invasimente SY“ esgea 9543s stagazs Net inr segment csteg Tigusacs 2yoas eeaael 1900205 ondegsto randelnetons Taoaes “Taner Writts Tone Sarees = perarniog aateaeh agernr04 oT sousor 7 Adsoress —nowpoeriag-eototponeon —NESA82(Aea6t7 2 aero Sten Hesoass avorasar me _s787470 Fata Acsot FRESE RAEI TALS APNEA soecwings sraser zomese 610275 anaes Suborsatos 301 = 43ees00 ce fsesaoD Devote afer socunts sangaigae 5090.02 2 sagzraesp Netine topinentberonitg ‘Baaaes saaanese vsc2ae1 0,207 265 Sasane apes anae wayaer TARORE Caran eae” TREE See aay Ssepnve ttamen7 _“asas) 4557358 ob! Eat tables TTS.SSES1E 027 Sat —TUASES 511 970,552 387 Cootagencios & Commtsonts iai1ss) esess iaetaw eases up 50,7019 (Un suse TaannarT Wile Sale renee? [ec Site) easy [Teal Rupees TOO Prefitend Loss Acosuat Relmark tured mor rise stator Inter segreat revenue ne : ea sep tere heme mses aust asin a7 Tob beste Tasaraa Sm eas e495 S50 Searnaatieattexaensat GsT7509 aor] — E3503 0.321200) Fler searsent expense alloeston 2 93 Tob expenses, Gs ee) eas seal GS) aT frodsons i640) [90404 oes 91 Preitoae tax aAegse ae) aera T8 Decanter 31,2915 - Ait Carmumer | isle Sof, Ta ‘She. | eanting wr Rupses FOOT Slatomert of Francia Psion ‘Gags a bane stancas Base 222798 _G731.872 Ingest : etiner wayne ei 9.550200 x Gonaigeto tne stators ‘ole Tees 126 ‘once porbraog o7sizese 250 982000405 agrees vompetoming.rolefprouicion “fee Tota hasats oe Sonarings 610387 £53370 teaoN Ta? gstase Subordhtes abt tener saat Beposts taker scouts Huys74 i069 19008,188, = zee 084 elie egnent boronng DareAdDh 40308280 12471107 TELraRR ounes Sovaegs eseeaen "tos a.asart4 Tout tastes TASSrS 309 G40, 259 THT 8S Ey 315000 _¥2068.288 ‘ote Equiy abies Tae) 456200 —7os9.80 Coaioyoetes & Comninents 5106274 8575901 70806,700 4.450.601 Segnen dererniaadon are made cn te basis of manegement acoouaizoy, ening and doco Inaing of tree zeporteg soginents al eur news, Traneactors between fepoable segs ao ‘rset on on eppropretetrnster ping meckorEin vig eyond ates, Futewore, segment exarts and Inbiies Rete rtersogment blorcos Ones wich ore et alco I angen oe Inde In He Hees aca, notre ner we managed atboakavel ender et soled cpertng sogman,* RELATED PARTY TRANSACTIONS To Hark as watac ary versaclns hts parent sistlaies ass, okt wus, ence Lt us ie eta andkey wonsienen tian ‘ae song eues tloVensactons vince pais mana core wags nan Sway ase tm ao compara recone pce cf tea [eniauion and Oca ose of SOM eltorerL bor ent ee Ln ios adel xcertans ih tee scr alana fen of fo sane a thfoay of be tonssons wth rented pares compete sts and adres, sport swauce offs of crest and geatatses Advances fr the fox biting. cameaynco arte fecal ua fave sli oon gies sot mages eared cla scorns ih ie sort oy poy at chakras nt ve Sele ia Fetaing seal. acy c gop ie Wautrce cd hovgaleabawauances abo nate b Saka esas no fi, eas oe enka SD PEC IAD Bankmontiad care fevasoments Spon vote Intent ate /aarapret uy na ataa yar Inuneart eered depred of drt pte yaar esi lane ‘Seen ones Pel ete pvr Providonha saabst succes Qiaer assets Intros frre secuet Spann beens Recerca te prot yea ran cra taped Yer ‘tag onoaee ent ere tle ‘Gonthaenies an Cacietnte SBercerdganles Transrodons Sharaf ret temaiecite Skat be enone boi orm ed one on Weta fo un6 30,2008 (Ur auteg, camber 1,208 Aste the sepmossoe cer Decors sssocwes| casi |] ress | "nen | azsectes | OUR pees peters ea : ee Nast MSE mses se ie Ce et Td se ere whoo lm aia) tn is at sa mem : - sas : is : 1856 : se sara am cages fay tage aatgase 22h keh go Tasers shh Geos sme nate UBBA__Wiesen @Bn enon calm eotec disesy dlawtam eat ase mate 5,28 at Ker name Other Key erage bert icetore |“Tmen |Ascociabe| route || oinane |“ °mer > | Azoclaas | sd renee pets perce ee Tapes na I an : 50 we es nd coger rege I ee auger tena neo] feu “aaet tao : : fee en : sa Me“ CAPITAL, ADEQUACY, LEVERAGE RATIOS LIQUIDITY REQUIREMENTS lmura Capital Requirement (MCR) Paid-up capita (net of losses} Capital Adequacy Ratio. Eligdts Common Equity Tier 1 Capital Biighbfo Adkitional Yior 1 Copital ‘Total Elgitte Tier 4 Canitat Egble Tier 2 Capltet Total Eligible Capital (Fler 1+ Ter 2) Risk Woighted Accots (RWA) Credit Risk Marke! Risk Operational Risk Totat ‘Common Eguly Tler 1 Gaplial Adequacy rally “Tier + Cepia Adequacy Ratio ‘Total Capilat Adequacy Ratio Leverage Rao {LR} Elgiole Neri Capita Tolal Exposures Leverage Ratio Liquieity Coverage Ratto {LGR} Totat High Qually Liquid Asses, Total Not Cash Outflow Liquicly Coverage Ratio Net Stable Fumaiing Ratio (SFR) ‘Total Available Stable Funding ‘Total Required Stable Funding Net Stabla Funding Ratio dune 50, December 31, 2019, 2018 Un-audited — Audited Rupes in ‘600 BSA 11913766 11,678,548 14913766 11,826,548 3,564,174 3,401,507 18477040 15.027.935 184,644,630 || 121 482,278 4,169,860 540,950 15,586.280}|_15.554,275 140,962,679 197,877,503 41,913,766 497,373,255 604% 19,928,548 4193.845.360, 0%. 40017427 39,304,589 401.07%. 421,084,261 120,723,200 09.30% 29,934,249 105,053 116,179,085 414,565,315 10408%fa sae pannus BUanEss 4 of-h930, 2019 Decembr 34, 2018-39, The slatunont ot faontil pasion of base andes as tune 36, ZOED we 08 Kor Jane 38, Decerbar St, eo 2018 ote Rupous "00 AsseTs {Sach and batreos wth easury barks sabases |f 1.00422 ofancesvith ether bas are || "36507 trvectmante. a ‘sacs || o.assaar bale rorelng ond eles set ae aoe | srseyeie || anoniaer Feed sats rageco|| aaa inuzgoie aso pon 12 Due teen esd orice aver - ‘ther e559 S2enees ||_2za00 Tote assats Taare s212872 uasunes Bil aya vaaari |f soar! ‘8 tofiandansttons 1625 opens snd ator scents es sas |] sa.0s0228 duototteeadrtoe - rane Othertobiees sracos |} _suasee “ote hatte ygg0s 8,790.87 NET ASSETS 439.499" 34260" Ilamiehenkng fret sagem 2.225.200 fet amrevahn of eases (aang tose Unapgropiden prot seo _sarzses osname s95A0 —_sarag90 CCORTINGENCIES AnD COMMITMENTS es “Tha peeftantlcss account he Banks lami backing banctas forthe half yoer and Zune 20,7019 2 floss aime se, dune oe 2a 2018 Upaidted —Unautina Note Rupoes in'030 ‘reff eum esis aor [aman] tarears Fro tum nnpnrced os Lwetieyl| anaral tar tacoma Forelgneocnange 08 wsam}{ —ga.zon] froama am detoaives ro025 04 Cain oss) en seats er el ‘ther roe __ssat||___ asa Toba oherloceme Best 72,080 TotaLicome Bosse rae ‘omer exoenses -, « Coasting axcensce eaastal i624) lorkar Wire Pad - ‘2.509] car ensane 01 | Toteoteremensca (esr, Brae) (ons prof hater povlfon eaary _s7s00 Prowisens.ant wite os net oss wn (035) prot tor we petoe nase 999: (aan, TSE Rat [peat] wwf] Se | Cee | 26 cuentas sn See cun pe Sa el usrecemiaon Slab san ase: sete a LET aA eee] PRP ata | eam Sowerte| super [canny rn ‘ein | “Cae ‘inion | Ca fe $2 teste 9s ‘pean ee onan ase. Elias : ee ite ae roxanne ing HS: — apie om eT ve pein sia aS aa seaeverman ‘a0|| “ie 3 Brartng uate aston || aeons ‘Gesamte neice, ae npsten Restene Lesgmain genatrkowro 5 Sir ~ team tang ns wits cof even Te 23 Abvtesinvon on Coan 31,2018 Fa, SSE sbi mn EAC IN gags ee reas] aren oteeteston rear || men fro | emen age = gy a ERS -— BF saps 232 88h iavato ste tennant tert Rls ives « pining egal an pong wins re St be FUE Pe (63\phn om sonod pian marr hay eed vd moon aa tl oll pape: ant sh et ‘Sosaing syrsteonperyseveoes a Wee Pegaso 4253. Aso. 200 ta Zanghae clog FY teat pinta nn pg eer ite bowl anton Ye Bk, pete EAE ‘a Fementcuconbe 91,2818 Rett ace vn caltolse noob permet rota oer nanan sng epi ei 6 esiny —|[ owen act az Eee [tower | rea || tae | Brn =| Sin [eure | FL Gy | ara Sac rs Tenia] ooLow |—seoRS| Saase | wae] Ssergawss tamact| ‘awcant| sporzee|| iatensn| — eeeca| taste em sioiow) waneam] “Caojail| ‘sarees | Leteco) ereneos seagate eam asarl| auae| PY ann oon eon, _tmeea||_Seaee e361 TRANS Taare “Hieawes Tpke TE EAT Coronagace 1a | a8] a9 as Seingdearte seanee moiaelf oazeom a sazonae Wana! ities “were asa Sines Bassas Taian Tas aware47 428 a3 43.4 43.2 44 45 Istamte Banking Buolnace Unappropriated Profit ‘Opening Batarce ‘Adi: Islamic Banking (less) / pzoft far tha period # yaar Closing Balance Contingencies end Commiments Guarantees Comraftments Profits return earned of financing, investments and placement Profit ogrned on: Financing Investments ue rom Financial misttutions Profit on Deposits and other Duss Expensed epost and other accounts Dus fo Finenctai inattutions Cost of forcign currency swaps against foreign currency deposits / borrowings 21.610 GENERAL dune 3t, December 31, 2088 2018 Unaudited uated Rupees in "000 1,098,279 275,040 25,35) 22.435 4,072,844." 1,098.278 4143011 937,732 2214.61 4,613,083, 50,294 June 30, une 36, 2018 ants Unaudited — Un-audited Rupees in 000 4,098,190 4,074,887 98,306 41,988 492.876 : 4,073,542, 4475872 360,604 +337 22816 1514135" 399,570 Corresponding figures han been resrrangad { rectaseifed to reflect mere appropriate presentation, ‘Tho Egures have boen rounded offto tho nearest thourond cupees, unless staled otherwise, NON-ADJUSTING EVENTS AFTER THE REPORTING DATE. ‘There ere no adjusting evenis that are requied (9 be adisted of discosed In the financial statements, DATE OF AUTHORISATION FOR ISSUE ‘Those condensed inierim fhanclat statements were aulhetised for Issun on by the Board of Directors of the Bank cp aoe Chief Financial Officer Presi ha hus A , ra Director Director ade flan t & Chief Exeewttve Uificar — Vea sy ( OO Bot sey 7 ‘reefer |