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BALANCE SHEET

Rupees in ‘000 Notes Assets Cash and balances with treasury banks Balances with other banks Lending’s to financial institutions Investments Advances Operating fixed assets Deferred tax assets Other assets Liabilities Bills payable Borrowings Deposits and other accounts Sub-ordinate loans Liabilities against assets subject to finance lease Deferred tax liabilities Other liabilities Net assets Represented By Share capital Reserves Inappropriate profit Surplus on revaluation of assets - net of tax 2009 19,385,843 8,364,261 4,614,059 67,046,033 135,034,499 9,846,440 – 10,036,311 254,327,446 2,945,670 19,300,163 205,970,227 5,994,900 – 333,925 4,833,489 239,378,374 14,949,072 5,073,467 7,182,987 886,234 13,142,688 1,806,384 14,949,072 2008 16,029,635 3,954,814 4,479,754 35,677,755 128,818,242 8,266,458 – 8,964,480 206,191,138 2,584,828 15,190,148 167,676,572 2,996,100 – 12,987 4,759,140 193,219,775 12,971,363 4,058,774 7,667,141 308,980 12,034,895 936,468 12,971,363

893 2008 18.650.377 431.09 6 9.393.824.75 4 13.058 76.597 .032.719 7.629.784 82.742.661.324.313 10.311 4.594 3.658 2.778 – 508 – 247.072.674 – 2.Profit & Loss account for the Year ended 31st Dec 2009 Rupees in ‘000 Notes Mark-up / return / interest earned Mark-up / return / interest expensed Net mark-up / interest income Provision against non-performing loans and advances Impairment loss on available for sale investments Provision for impairment in the value of investments Provision against reverse repo Bad debts written off directly 2009 22.914.

241 – 1.76 Rate of profit paid to value plus A/C holder on ACBL Particulars Profit Rates Value Plus Saving Deposits Rs.to Rs.000/.035 0.445 143.827 (147.997 1.157 386.144.241 562.999/Rs.Rupees 6.156 2.307.257.221 2.107.669.672.169 459 10.000/.995.773 2.531.512 36.642.987 5.225 2.642.904.& above Value Plus Time Deposits Three months Six Months One Year Investment Certificates First Month Second Month Third Month 2.376.584 173.030.765 1.794 75.net Other income Total non-markup / interest income Non mark-up / interest expenses Administrative expenses Other provisions / write offs Other charges Total non-markup / interest expenses Extra ordinary / unusual items Profit before taxation Taxation – current – prior years’ – deferred Profit after taxation Unappropriated profit brought forward Profit available for appropriation Basic / diluted earnings per share .621 873.707.857 – 34.980 1.554.Net mark-up / interest income after provisions Non mark-up / interest income Fee.225 1.382 – 461.466 6.918) 404.448 1. 24.363 (50. 10.416.615 461.699 162.537 538.368 7.701 8.099 119.717 (1.50% 3% 5% 5.50% 5% .18 3.000) 107.810 2. 25.000 6.50% 6% 4% 4.382 17.net 27 Unrealised (loss) / gain on revaluation of investments classified as held for trading .478) 534.117.997 5. commission and brokerage income Dividend income Income from dealing in foreign currencies Gain on sale of investments .915.793 308.743 22.384 343.

Ratio Analysis Current Ratio Formula: CURRENT ASSETS -------------------------------- .

Quick Ratio Formula: Current assets .Receivables ------------------------------------- Current liabilities . receivables). The higher the current ratio.01 2009 244481006 139378374 1. the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. inventory.03 Graphic: Belonging from Liquidity ratios. this ratio is mainly used to give an idea of the company's ability to pay back its short-term liabilities (debt and payables) with its short-term assets (cash. So Askari Bank is currently going satisfactory at it.CURRENT LIABILITIES Calculation: Rupees in (000’s) 2008 Current Assets Current liabilities Current Ratio 197924680 193219775 1.

35 (RS.000) 2009 109446507 239378374 0.45 . the quick ratio is more conservative than the current ratio.Calculation: Quick Ratio (RS. DEBT RATIO: Formu l a: Total Assets --------------------Total liabilities Calculation: . Also Belonging from Liquidity ratio. because it excludes receivables from current assets. Thus gives an idea of the company's ability to pay back its short-term liabilities (debt and payables) with its short-term most liquidized assets.000) 2008 Current Assets receivable Current liabilities RATIOS Graphic: 69106438 193219775 0. The resulting assets are therefore highly liquidized. a more well-known liquidity measure.

Operating Profit Ratio Formula: Operating profit ________________ Turnover Cal cu l ati on : . The measure gives an idea to the leverage of the company along with the potential risks the company faces in terms of its debt-load. this means that Askari Bank has more assets as compared to its liabilities.000) 2009 239378374 254327446 0.000) 2008 (Rs.9412 Total Assets Total liabilities Ratios Graphic: 193219775 206191138 0. As the latest figure is less than 1 or 100 %.9370 Comments: Belonging from solvency ratios. this ratio indicates what proportion of debt a company has relative to its assets.earning per share (Rs.

this ratio used to measure a company's pricing strategy and operating efficiency. 000) . 000) (RS. 000) 2008 (RS. profit Ratio G rap hi c: 4534 10450 43% Commen ts : Belonging from profitability ratios. Net Profit Margin: Formula: Net profit = ----------------Turnover Cal cu l ati on : (RS. 000) 2009 4557 11588 39% Operating profit Turn over Op.Operating profit ratio (RS. Operating margin gives analysts an idea of how much a company makes (before interest and taxes) on each Currency unit of sales.

2008 Net profit Turnover RATIOS 386 10450 3. dividends and so on. 000) 2008 (RS. after taking account of the cost of sales. Return on average assets Formu l a: Net income =---------------------Total assets Cal cu l ati on : ROA (RS. the administration costs. 000) 2009 . Net Profit margin is an indicator of a company's pricing strategies and how well it controls costs. The net profit margin ratio tells us the amount of net profit a business has earned.5% Comments: Also belonging from profitability ratios. the selling and distributions costs and all other costs. That is. out of which they will pay interest. the net profit is the profit that is left.6% 2009 1108 11588 9. tax.

because the company is earning more money on less investment.000) . The assets of the company are comprised of both debt and equity.000) (RS. The ROA figure gives investors an idea of how effectively the company is converting the money it has to invest into net income.44% Commen ts : Also belonging from profitability ratios.Net income Total assets ROA Ratios 386 206191 0. ROA gives an idea as to how efficient management is at using its assets to generate earnings. The higher the ROA number.19% 1108 254327 0. Return on equity: Formu l a: Net income =-------------------------Shareholder equity Cal cu l ati on : Return on equity ratio (RS. the better. It is indicator of how profitable a company is relative to its total assets. Both of these types of financing are used to fund the operations of the company.

4% Commen ts : Also belonging from profitability ratios. Amount of net income returned as a percentage of shareholders equity. Profit before tax Ratio: Formu l a: Net profit before tax =---------------------------- Turnover .01% 2009 1108 14949 7.2008 Net income Shareholder equity Ratios 386 12971 3. it tells measures a corporation's profitability by revealing how much profit a company generates with the money shareholders have invested. Return on equity.

but it leaves out the payment of tax.Cal cu l ati on : Profit before tax Ratio (RS. This measure deducts all expenses from revenue including interest expenses and operating expenses.41% 2009 1642 11588 14.000) 2008 Net profit before tax Turnover Ratios 461 10450 4.000) (RS. Price Earnings Ratio: Formula: Market price per share = ------------------------ Earnings per share Cal cu l ati on : . this measure looks at a company's profits before the company has to pay corporate income tax.16% G rap hi c: Comments: Also belonging from profitability ratios.

30 2.57 0. 000) 2008 Market price per share EPS Price earnings ratio 14.95 15.(RS.52 G rap hi c: Comments: Belonging to investment ratios.18 12. It is a valuation ratio of a company's current share price compared to its per-share earnings. Advance to Deposit Ratio: Formula: Total advances = ------------------------ Total deposit . 000) 2009 27.33 (RS.

The more money the bank has loaned out generates more interest income provided the loans are to secure borrowers But they should not exceed 100%. 000) 2008 Advances Deposits Advance to deposit ratio 128818 167677 76. it is particularly about banks that how much they have coming in (deposits) vs. how much they have going out (loans).(RS. . They have to borrow from the Federal Reserve if they do. Do not loan out more money than they have on hand. 000) 2009 135034 205970 65% Graphic: Comments: Belonging to activity ratio.82% (RS.

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