Horizontal Analysis of Balance Sheet

Particulars 2011 2010 2009 2008 2007

ASSETS % % % % %
Cash & balances with 8.695 31.983 -18.724 -0.532 100
treasury banks
Balances with other 973.720 707.497 426.058 428.274 100
banks
Lendings to financial _ _ _ _ -
institution
Investments – net 77.413 166.845 97.724 349.899 100
Advances – net 28.689 12.842 13.212 -2.595 100
Operating fixed assets 16.981 -11.432 -16.375 -29.360 100
Other assets – net -8.284 1.860 -10.364 -14.614 100
21-936 11.267 1.813 -0.098 100

LIABILITES
Bills payable 210.675 98.915 39.962 19.402 100
Borrowings 0.000 0.000 0.000 0.000 100
Deposits and other 73.764 38.45 7.681 15.296 100
accounts
Sub-ordinated loans 0.000 0.000 0.000 0.000 100
Liabilities against assets - - - - -
subject to finance lease
Deferred tax liability - - - - -
Other liabilities 86.149 46.641 9.006 3.013 100
19.942 10.705 1.418 -0.086 100
NET ASSETS 32.729 14.307 3.948 -0.162 100

REPRESENTED BY
Share capital 5.500 0.000 0.000 0.000 100
Reserves 404.287 162.741 66.838 13.928 100
Unappropriated profit 278.696 112.925 17.022 -18.478 100
30.315 10.222 2.245 -0.998 100
Surplus on revaluation of 260.729 400.125 164.838 78.773 100
assets – net of tax
32.729 14.307 3.948 -0.162 100
 Horizontal Analysis of Profit & Loss

Particulars 2011% 2010% 2009% 2008% 2007%

Mark-
up/return/interest
earned 4.501 -13.362 -26.024 -15.825 0.000
Mark-
up/return/interest
expensed 11.279 9.002 -10.618 -87.507 0.000
Net mark-
up/interest income 0.224 -27.473 -35-745 29.405 0.000
Provision against non-
Performing loans and
Advances -43.546 -9.279 -48.118 38.920 0.000
Provision/ (reversal)
for diminution in the
value of investment 27.355 -168.737 913.026 -158.17 0.000
Write offs under
Government relief
Packages 0.000 4286.557 15739.293 0.000 0.000
Bad debts written off
directly
-16.749 58.214 65.541 105.258 0.000
Net mark-up/interest
income after provisions 14.982 -101.980 -123.815 -36.551 0.000
NON MARK-
UP/INTERETS
INCOME

Fee, commission and

brokerage income 82.822 -2.988 5.560 30.996 0.000
Dividend income 89.283 -64.283 7.133 7.133 0.000
Other income 514.594 509.536 486.610 -11.859 0.000
Total non mark-
up/interest income 506.732 500.567 478.468 -12.217 0.000
144.932 57.249 35.344 -30.120 0.000
NON MARK
UP/INTEREST
EXPENSES

Administrative
expenses 85.474 55.459 13.261 7.184 0.000
Provision against other
assets 12392.995 2574.166 54846.182 379.466 0.000
 Vertical Analysis of Balance Sheet

Particulars 2011 2010 2009 2008 2007

ASSETS % % % % %
Cash & balances with
treasury banks 1.63 2.253 1.516 1.891 1.899
Balances with other banks
Lendings to financial 15.518 12.790 9.106 9.319 1.762
Institutions 0.000 0.000 0.000 0.000 0.000
Inverstments -net 4.940 8.143 6.594 15-290 3.395
Advances –net 68.324 65.655 71.87 63.121 64.739
Operating fixed assets 1.117 0.927 0.956 0.823 1.164
Other asscts – net 8.408 10.233 9.841 9.554 11.178
100.000 100.000 100.000 100.000 100.000
LIABILITIES
Bills payable 0.722 0.501 0.385 0.333 0.279
Borrowings Deposits and
other 60.320 65.353 71.338 72.412 72.350
Sub-ordinated loans
Liabilities against assests 3.771 4.086 4.460 4.527 4.523
Subject to finance lease 0.000 0.000 0.000 0.000 0.000
Deferred tax liability 0.218 0.152 0.011 0.000 0.000
Other liabilities 28.584 24.396 19.796 18.989 18.418
100.000 100.000 100.000 100.000 100.000
NET ASSETS 100.000 100.000 100.000 100.000 100.000
REPRESENTED BY
Share capital 74.223 83.179 89.669 92.606 91.682
Reserves 6.438 3.966 2.715 1.914 1.664
U nappropriated Profit 19.339 12.855 7.616 5.480 6.655
100.000 100.000 100.000 100.000 100.000
Surplus on revaluation of
Assets –net of tax 2.847 4.584 2.669 1.876 1.048
100.000 100.000 100.000 100.000 100.000
Particulars 2011 2010 2009 2008 2007
Net mark-up/interest
income 100.000 100.000 100.000 100.000 100.000
Provision against non-
performing loans and
advances 99.934 84.502 46.186 99.740 147.368
Provision/(reversal) for
diminution in the value of
investment 0.066 -0.019 0.264 -0.012 0.043
Write offs under
Government relief
packages 0.000 15.517 53.549 0.273 0.000
Bad debts written off
directly 0.000 0.000 0.000 0.000 0.000
100.000 100.000 100.000 100.000 100.000
Net mark-up/interest
income after provisions 34.539 -0.926 -12.946 66.804 73.574
NON MARK-
UP/INTERET INCOME
Fee, commission and
brokerage income 0.076 0.041 0.046 0.377 0.252
Dividend income 0.197 0.038 0.117 0.771 0.631
Other income 99.727 99.922 99.837 98.853 98.451
Total non mark-up/interest
income 100.000 100.000 100.000 100.000 100.000
NON MARK –
UP/INTEREST
EXPENSES 100.000 100.000 100.000 100.000 100.000
Administrative expenses 92.994 97.983 65.056 99.855 99.651
Provision against other
assets 6.934 1.866 34.937 0.494 0.110
Provision for stolen fixed
assets 0.053 0.000 0.000 0.000 0.000
Other charges 0.019 0.151 0.007 0.145 0.000
Total non mark-up/interest
expenses 100.000 100.000 100.000 100.000 100.000
45.070 31.938 0.000 -3.619 32.306
PROFIT BEFORE
TAXATION 100.000 100.000 100.000 100.000 100.000
Taxation – Current 100.052 84.049 95.833 101.605 99.999
Prior years 0.909 1.103 0.000 0.000 0.000
Deferred -0.961 14.848 4.167 -1.605 0.001
100.052 84.049 95833 101.605 99.999
PROFIT AFTER
TAXATION 58.644 50.603 37.410 -17.641 66.776
Unappropriated profit
brought forward 41.356 49.397 62.590 117.641 33.224
Profit available for
appropriation 100.000 100.000 100.000 100.000 100.000
Transfer to statutory
reserve 0.000 0.000 0.000 0.000 13.355
Transfer to contingency
reserve 0.000 0.000 0.000 4.096 0.000
Profit carried forward 100.000 100.000 100.000 100.000 100.000