2014

'000
Gearing General
S.T L.T Ratio/Equity Total Equity Total Deposits Gross Infection Net Infection Provision to Net NPLs to Performing Specific Provisions (if
Rating Rating CAR Ratio '000 '000 Ratio Ratio NPLs Capital Assets Liab Gross Adv NPLs Advances Provisions Net NPLs any) Net Advances Net Assets

Public Sector Banks

1 Al Baraka A1 A 14.54% 7.22% 6,273,237 71,644,386 8.00% 2.45% 71.12% 18.61% 86,932,510 80,659,273 50,548,142 4,042,561 46,505,581 2,875,066 1,167,495 28,386 47,644,690 6,273,237
2 Allied Bank Limited A1+ AA+ 20.85% 9.00% 89,256,457 734,596,166 6.43% 0.87% 87.17% 3.15% 991,665,512 902,409,055 340,769,406 21,903,729 318,865,677 19,092,777 2,810,952 71,489 321,605,140 89,256,457
3 Askari Bank Limited A1+ AA 12.51% 5.01% 26,852,943 433,172,205 13.78% 1.72% 89.09% 12.79% 535,866,714 509,013,771 228,412,998 31,483,717 196,929,281 28,048,973 3,434,744 433,213 199,930,812 26,852,943
4 Bank Alfalah Limited A1+ AA 13.40% 5.91% 53,353,175 640,188,735 5.37% 0.92% 83.72% 5.63% 902,607,521 849,254,346 343,490,280 18,456,399 325,033,881 15,452,555 3,003,844 739,904 327,297,821 53,353,175
5 Bank Al-Habib Limited A1+ AA+ 13.87% 5.92% 37,856,658 516,213,178 2.74% 0.16% 94.26% 0.89% 639,712,468 601,855,810 214,272,308 5,874,374 208,397,934 5,537,371 337,003 2,876,279 205,858,658 37,856,658
6 TheBank of Khyber A1 A 23.75% 10.26% 15,917,576 117,292,012 12.79% 3.98% 71.76% 9.11% 155,158,733 139,241,157 40,137,147 5,132,863 35,004,284 3,683,536 1,449,327 0 36,453,611 15,917,576
7 The Bank Of Punjab A1+ AA- 10.49% 4.80% 22,678,340 374,961,096 22.80% 12.07% 53.61% 116.73% 472,283,654 449,605,314 250,299,101 57,069,295 193,229,806 30,596,588 26,472,707 346,493 219,356,020 22,678,340
Sep-06 BankIslami Pakistan A+ A1 6.17% 11,140,234 145,112,038 23.38% 21.88% 8.48% 109.83% 180,566,881 169,426,647 57,173,840 13,368,776 43,805,064 1,133,601 12,235,175 113,089 55,927,150 11,140,234
7 Barclays Bank Pakistan A-1 A #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0
Sept Burj Bank** A-1 A #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0
8 Deutsche Bank AG A-2 BBB 25.99% 27.94% 5,899,894 11,977,105 1.45% -0.17% 111.37% -0.19% 21,113,983 15,214,089 6,667,252 96,511 6,570,741 107,483 (10,972) 0 6,559,769 5,899,894
9 Dubal Islami Bank A-1+ A+ 11.13% 5.08% 7,975,667 136,743,457 2.07% 0.49% 76.73% 6.45% 157,093,185 149,117,518 106,650,974 2,211,992 104,438,982 1,697,337 514,655 0 104,953,637 7,975,667
10 Faysal Bank Limited A1+ AA 14.41% 7.06% 30,352,473 292,130,258 14.97% 3.54% 79.24% 20.75% 430,072,860 399,720,387 202,543,304 30,328,854 172,214,450 24,031,548 6,297,306 432,672 178,079,084 30,352,473
11 First Women Bank Ltd A2 BBB 41.23% 13.27% 2,833,164 15,163,440 20.47% 7.74% 67.45% 21.77% 21,346,622 18,513,458 9,253,381 1,894,617 7,358,764 1,277,954 616,663 5,152 7,970,275 2,833,164
12 Habib Bank Limited A-1+ AA+ 16.98% 8.23% 182,620,051 1,634,944,470 12.12% 1.93% 85.79% 5.97% 2,218,422,785 2,035,802,734 633,382,624 76,792,159 556,590,465 65,881,113 10,911,046 3,298,099 564,203,412 182,620,051
13 Habib Metropolitan Bank A1+ AA+ 18.35% 7.52% 36,827,804 403,354,957 12.32% 1.47% 89.43% 5.31% 489,879,108 453,051,304 150,076,425 18,486,982 131,589,443 16,532,837 1,954,145 896,749 132,646,839 36,827,804
14 JS Bank A1 A+ 12.50% 7.31% 15,967,903 141,840,487 3.76% 0.36% 90.72% 1.73% 218,475,663 202,507,760 79,389,361 2,982,825 76,406,536 2,705,929 276,896 17,252 76,666,180 15,967,903
15 MCB Bank A1+ AAA 20.07% 13.55% 137,800,406 708,091,171 6.12% 0.80% 87.63% 1.83% 1,016,629,653 878,829,247 332,626,923 20,369,225 312,257,698 17,848,909 2,520,316 653,075 314,124,939 137,800,406
16 Meezan Bank A-1+ AA 10.98% 4.95% 26,347,110 471,820,959 3.27% -0.55% 116.17% -4.34% 531,849,934 505,502,824 215,775,663 7,064,382 208,711,281 8,206,840 (1,142,458) 0 207,568,823 26,347,110
17 NBP Limited A-1+ AAA 17.59% 10.03% 171,655,092 1,431,535,397 18.47% 2.41% 89.10% 8.15% 1,711,874,168 1,540,219,076 694,384,994 128,276,870 566,108,124 114,291,008 13,985,862 0 580,093,986 171,655,092
18 NIB Bank Limited A1+ AA- 11.86% 7.38% 18,089,159 130,399,643 20.86% 3.59% 85.91% 21.94% 245,042,703 226,953,544 135,028,024 28,173,224 106,854,800 24,204,658 3,968,566 154,372 110,668,994 18,089,159
19 Samba Bank Limited A-1 AA- #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0
20 Silk Bank ¶ A-2 A- 13.84% 10.95% 14,576,662 81,097,581 12.71% 5.02% 64.03% 21.02% 133,137,259 118,560,597 67,045,340 8,519,913 58,525,427 5,455,331 3,064,582 515,802 61,074,207 14,576,662
21 Sindh Bank A-1+ A 12.77% 11.53% 14,773,603 83,920,800 0.62% 0.57% 12.89% 1.71% 128,103,914 113,330,311 46,708,032 290,281 46,417,751 37,420 252,861 2,501,523 44,169,089 14,773,603
22 Soneri Bank A1+ AA- 15.39% 7.18% 18,191,942 39,875,623 9.60% 2.65% 74.37% 16.32% 253,341,829 235,149,887 120,616,960 11,584,107 109,032,853 8,615,208 2,968,899 0 112,001,752 18,191,942
23 Standard Chartered Bank Ltd. A-1+ AA- 20.72% 13.85% 61,950,455 327,237,527 18.72% 2.34% 89.58% 4.04% 447,347,791 385,397,336 128,301,714 24,018,416 104,283,298 21,516,718 2,501,698 0 106,784,996 61,950,455
24 Summit Bank A-3 A- 10.18% 6.35% 11,957,666 119,854,302 20.68% 6.57% 73.01% 38.79% 188,420,421 176,462,755 83,098,916 17,183,005 65,915,911 12,544,846 4,638,159 0 70,554,070 11,957,666
25 United Bank Limited A-1+ AA+ 14.68% 10.15% 142,135,475 1,051,235,170 9.42% 2.03% 80.27% 6.49% 1,400,650,843 1,258,515,368 496,212,332 46,720,752 449,491,580 37,501,781 9,218,971 4,079,561 454,630,990 142,135,475
26 Zarai Taraqiati Bank A-1+ AAA #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0

Specialized Banks
Dec-14 SME Bank Ltd A-3 BBB #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0

Micro Finance Banks

Khushhali Bank Ltd A-1 A+ 14.80% 3,951,490 15,583,727 2.46% 2.07% 17.02% 9.00% 26,696,346 22,744,856 17,389,636 428,587 16,961,049 72,939 355,649 147,413 17,169,285 3,951,490
Tameer Microfinance Bank Ltd A-1 A+ 37% 17.52% 3,689,283 15,678,541 0.47% 0.45% 4.61% 1.47% 21,058,123 17,368,840 12,186,090 56,788 12,129,302 2,619 54,169 57,843 12,125,628 3,689,283
Advans Pakistan Microfinance Bank 86.46% 486,568 14,627 3.88% -5.98% 238.41% -2.23% 562,748 76,180 201,748 7,835 193,914 18,678 (10,844) 1,845 181,224 486,568
Waseela Microfinance Bank Ltd. 20.44% 1,000,336 3,197,311 0.00% 0.00% #DIV/0! 0.00% 4,895,126 3,894,790 1,350,315 0 1,350,315 - - 19 1,350,297 1,000,336
NRSP Microfinance Bank Ltd. 17.79% 2,544,501 7,255,316 0.16% 0.11% 30.05% 0.40% 14,306,483 11,761,981 9,085,508 14,520 9,070,988 4,363 10,157 81,954 8,999,191 2,544,501
U Microfinance Bank Ltd. 46.15% 1,048,056 1,065,316 0.46% 0.41% 11.76% 0.36% 2,270,922 1,222,866 919,381 4,230 915,152 497 3,732.18 5,982 912,901 1,048,056
** The First Microfinance Bank Ltd A-1 A #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0

DFIs
DFIs
Pak Brunei Investment* A-1+ AA+ 26.5% 33.26% 9,684,301 4,218,289 1.50% 0.00% 100.00% 0.00% 29,115,202 19,430,901 10,393,714 155,854 10,237,860 155,854 - 519 10,237,341 9,684,301
Pak China Investment A1 + AAA 96.51% 65.99% 13,561,205 - 10.27% 2.11% 81.57% 0.89% 20,549,416 6,988,210 6,353,733 652,789 5,700,944 532,500 120,289 113,499 5,707,734 13,561,206
Pak Kuwait Investment Co A1+ AAA 45.48% 72.68% 20,615,894 179,750 24.50% 29.42% 7.20% 7.30% 28,366,987 7,751,093 6,618,230 1,621,319 4,996,911 116,730 1,504,589 1,387,856.00 5,113,644 20,615,894
Pak Libya Investment* A1+ AA- 23.77% 4,823,704 1,989,622 0.00% -46.28% #DIV/0! -30.86% 20,289,163 15,465,459 4,705,081 4,705,081 1,488,394 (1,488,394) 894 3,215,793 4,823,704
Pak Oman Investment* A1+ AA+ 35.6% 95.32% 1,074,461 24,845 8.88% 7.26% 20.62% 2.41% 1,127,183 52,722 366,796 32,589 334,207 6,721 25,868 3,600.75 356,474 1,074,461
SAPICO A11+ AA #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! - - - 0
PAIR Investment Company A1+ AA 83.7% 39.59% 9,193,478 1,890,502 29.48% 11.21% 69.81% 4.27% 23,221,277 14,027,799 4,410,476 1,300,078 3,110,398 907,528 392,550 - 3,502,948 9,193,478

MCR CAR
Dec-11 Dec-12 Dec-13
Rs bn

Public Sector 8 9 10 10.25%

Specialized Banks 8 9 10 10.25%
Private Sector Banks 8 9 10 10.25%
Foreign Banks 8 9 10 10.25%
DFIs 8 9 10 10.25%
Islamic Banks 8 9 10 10.25%
Micro Finance Banks 0.5 15.00%
 2014

Gearing
S.T L.T Ratio/Equity Total Equity
Rating Rating CAR Ratio '000

Public Sector Banks

1 Al Baraka A1 A 12.24% 6.25% 5,901,310

2 Allied Bank Limited A1+ AA+ 19.75% 9.60% 80,890,325
3 Askari Bank Limited A1+ AA 13.03% 5.30% 23,707,061
4 Bank Alfalah Limited A1+ AA 12.75% 6.03% 44,819,068
5 Bank Al-Habib Limited A1+ AA+ 14.97% 22.96% 33,026,563
6 TheBank of Khyber A1 A 22.65% 11.83% 14,919,572
7 The Bank Of Punjab A1+ AA- 10.20% 4.60% 19,326,707
6 BankIslami Pakistan A1+ A 16.70% 6.73% 6,867,220
7 Barclays Bank Pakistan A-1 A 33.70% 14.77% 6,924,692
Sept Burj Bank** A-1 A 23.00% 10.61% 4,903,511
8 Citi Bank N.A. A-1+ AA- 28.91% 12.96% 10,534,029
9 Dubal Islami Bank A-1+ A+ 17.08% 7.33% 7,439,081
10 Faysal Bank Limited A1+ AA 12.22% 6.78% 26,302,576
11 First Women Bank Ltd A2 BBB 29.12% 11.77% 2,211,951
12 Habib Bank Limited A-1+ AA+ 15.09% 8.92% 137,081,200
13 Habib Metropolitan Bank A1+ AA+ 17.29% 8.74% 34,750,702
14 JS Bank A1 A+ 12.63% 9.03% 16,196,569
15 MCB Bank A1+ AAA 20.41% 13.92% 130,104,062
16 Meezan Bank A-1+ AA 12.48% 5.46% 23,877,767
17 NBP Limited A-1+ AAA 18.17% 11.78% 182,592,992
18 NIB Bank Limited A1+ AA- 11.98% 8.68% 16,932,219
19 Samba Bank Limited A-1 AA- 37.08% 22.25% 11,254,597
20 Silk Bank ¶ A-2 A- 9.14% 8.28% 8,500,827
21 Sindh Bank A-1+ AA- 22.57% 11.29% 14,102,394
22 Soneri Bank A1+ AA- 12.50% 7.99% 17,039,227
23 Standard Chartered Bank Ltd. A-1+ AA- 19.07% 14.82% 60,715,452
24 Summit Bank A-3 A- 12.22% 8.31% 12,331,974
25 United Bank Limited A-1+ AA+ 13.30% 11.63% 137,504,611
26 Zarai Taraqiati Bank A-1+ AAA 25.61% 76.18% 124,819,398

Specialized Banks
Dec-14 SME Bank Ltd A-3 BBB 21.17% 13.01% 689,366

Micro Finance Banks

Khushhali Bank Ltd A-1 A 40% 19.69% 3,286,127
Mar-13 Tameer Microfinance Bank Ltd A-1 A NA 12.99% 1,900,544
** The First Microfinance Bank Ltd A-1 A 73% 11.59% 1,237,139

DFIs
Dec-14 Pak Brunei Investment* A-1+ AA+ 33.8% 24.36% 9,139,306
Dec-13 Pak China Investment A1 + AA- 98.1% 89.46% 12,312,990
Dec-14 Pak Kuwait Investment Co A1+ AAA 45.8% 39.08% 19,615,680
Sep-12 Pak Libya Investment* A1+ AA- 32.6% 39.52% 3,319,918
Sep-14 Pak Oman Investment* A1+ AA+ 31.2% 36.65% 7,712,717
Sep-13 SAPICO A11+ AA 59.7% 52.71% 8,924,678
Dec-11 PAIR Investment Company A1+ AA 74.1% 54.87% 8,792,745

NA = Not Available

MCR CAR
Dec-11 Dec-12 Dec-13
Rs bn

Public Sector 8 9 10 10%

Specialized Banks 8 9 10 10%
Private Sector Banks 8 9 10 10%
Foreign Banks 8 9 10 10%
DFIs 8 9 10 10%
Islamic Banks 8 9 10 10%
Micro Finance Banks 0.5 15%
Total Deposits Gross Infection Net Infection Provision to Net NPLs to
'000 Ratio Ratio NPLs Capital Assets Liab

80,222,579 8.38% 2.94% 66.92% 23.41% 94,348,780 88,447,470

667,877,615 7.03% 1.05% 85.92% 3.99% 842,269,127 761,378,802
387,586,620 15.79% 2.10% 88.61% 15.08% 447,082,545 423,375,484
605,963,224 6.37% 2.00% 70.07% 12.96% 743,128,293 698,309,225
446,311,464 2.67% 0.55% 80.26% 3.00% 579,310,440 446,311,464
92,263,694 10.43% 3.31% 70.64% 8.87% 126,106,225 111,186,683
342,290,763 28.23% 17.00% 47.98% 149.78% 420,370,188 401,043,481
90,330,997 2.55% 1.31% 49.38% 7.83% 101,984,149 95,116,929
33,919,678 5.06% 0.00% 100.00% 0.00% 46,886,671 39,962,279
37,893,360 5.66% 0.23% 96.22% 1.31% 46,209,901 41,306,390
48,143,989 10.83% 0.00% 100.00% 0.00% 81,253,972 70,719,943
83,844,395 3.93% 1.46% 63.75% 11.54% 101,552,999 94,113,918
283,345,739 14.31% 0.24% 78.56% 1.67% 388,125,784 361,823,208
13,448,864 15.01% 4.32% 74.46% 16.29% 18,787,098 16,575,147
1,401,229,814 3.53% -8.54% 314.88% -30.29% 1,769,196,254 1,611,328,609
320,023,460 12.87% 2.73% 81.04% 10.54% 397,380,082 362,629,380
107,429,838 4.79% 1.34% 72.92% 4.70% 179,381,111 163,184,542
688,329,520 6.80% 1.24% 82.84% 2.89% 934,631,484 804,527,422
380,421,569 3.77% -0.38% 109.57% -2.77% 437,405,958 413,528,191
1,234,405,050 16.62% 3.16% 83.62% 10.91% 1,549,659,081 1,367,066,089
105,102,800 24.66% 5.48% 82.32% 30.31% 194,995,301 178,063,082
31,642,143 8.97% 0.18% 98.14% 0.35% 50,581,060 39,326,463
68,770,255 12.76% 5.43% 61.09% 37.64% 102,649,117 94,148,290
61,884,036 0.83% 0.78% 5.61% 2.28% 124,871,480 110,769,086
163,250,370 8.99% 2.43% 74.78% 15.13% 213,175,307 196,136,080
304,503,668 15.39% 1.28% 92.87% 2.71% 409,567,883 348,852,431
105,222,446 19.07% 5.25% 76.49% 28.29% 148,444,294 136,112,320
951,902,296 12.49% 2.99% 78.49% 8.93% 1,182,453,113 1,044,948,502
26,695,967 15.39% 17.19% 38.94% 14.95% 163,846,901 39,027,503

3,343,102 68.34% 11.10% 94.24% 47.16% 5,300,352 4,610,986

8,682,472 1.11% 0.87% 22.36% 3.21% 16,692,433 13,406,306

8,601,794 0.12% 0.10% 13.33% 0.37% 14,725,363 12,812,919
8,749,901 9.68% 9.43% 3.92% 33.67% 10,674,730 9,437,591

5,164,230 0.03% 0.00% 100.00% 0.00% 32,900,772 23,761,446

- 11.67% 4.98% 61.13% 2.15% 12,730,578 417,588
397,790 38.86% 4.67% 92.29% 0.67% 24,634,173 5,018,493
 2,809,423 46.20% 13.16% 82.36% 17.25% 12,120,737 8,800,819
6,295,986 10.42% 1.59% 86.13% 1.87% 23,265,623 15,653,452
1,335,010 33.08% 9.63% 82.72% 5.58% 16,387,872 7,463,194
386,060 29.81% 12.78% 65.48% 5.22% 18,744,216 9,951,471
 '000
General
Performing Specific Provisions (if
Gross Adv NPLs Advances Provisions Net NPLs any)

49,834,281 4,176,617 45,657,664 2,795,155 1,381,462 16,548

325,824,966 22,921,542 302,903,424 19,694,645 3,226,897 115,919
198,665,519 31,375,729 167,289,790 27,801,250 3,574,479 367,815
304,848,047 19,412,000 285,436,047 13,601,307 5,810,693 649,503
187,973,099 5,024,778 182,948,321 4,032,817 991,961 2,500,000
43,242,574 4,509,496 38,733,078 3,185,404 1,324,092 0
197,122,363 55,650,453 141,471,910 26,702,645 28,947,808 107,125
41,698,116 1,061,929 40,636,187 524,414 537,515 76,644
15,330,589 775,555 14,555,034 775,555 - 9,868
30,093,001 1,701,938 28,391,063 1,637,525 64,413 0
31,621,083 3,425,347 28,195,736 3,425,493 (146) 146
60,350,331 2,368,756 57,981,575 1,510,051 858,705 0
204,676,072 29,293,000 20,467,072 23,011,743 439,524 406,365
9,401,379 1,410,920 7,990,459 1,050,605 360,315 5,536
547,263,017 19,325,134 527,937,883 60,850,286 (41,525,152) 0
150,164,178 19,325,134 130,839,044 15,661,846 3,663,288 326,696
58,774,610 2,812,617 55,961,993 2,051,035 761,582 7,784
322,317,993 21,907,791 300,410,202 18,149,201 3,758,590 322,307
183,285,548 6,912,000 176,373,548 7,573,606 (661,606) 0
731,980,299 121,680,000 610,300,299 101,750,649 19,929,351 0
117,653,625 29,017,184 88,636,441 23,885,813 5,131,371 94,318
23,916,363 2,144,114 21,772,249 2,104,191 39,923 0
64,417,139 8,222,000 56,195,139 5,022,650 3,199,350 427,612
41,203,781 340,359 40,863,422 19,078 321,281 0
113,729,203 10,224,405 103,504,798 7,645,530 2,578,875 0
150,040,059 23,095,733 126,944,326 21,450,000 1,645,733 0
77,804,045 14,838,307 62,965,738 11,349,348 3,488,959 0
457,177,243 57,105,000 400,072,243 44,819,065 12,285,935 1,838,881
115,495,766 17,771,792 97,723,974 6,919,999 18,663,722 21,809

8,253,602 5,640,890 2,612,712 5,315,765 325,125 9,100.00

12,225,321 136,000 12,089,321 30,414 105,586 103

6,960,433 8,177 6,952,256 1,090 7,087 11,971
4,479,999 433,558 4,046,441 16,983 416,575 46,325

7,388,555 2,537 7,386,018 2,537 - 327

5,848,688 682,500 5,166,188 417,181 265,319 102,508
4,362,535 1,695,364 2,667,171 1,564,607 130,757 -
7,028,521 3,246,848 3,781,673 2,674,018 572,830 1,522
9,964,228 1,037,908 8,926,320 893,914 143,994 -
8,710,508 2,881,396 5,829,112 2,383,465 497,931 1,154,995
4,463,459 1,330,507 3,132,952 871,281 459,226 -
Net Advances Net Assets

47,022,578 5,901,310
306,014,402 80,890,325
170,496,454 23,707,061
290,597,237 44,819,068
181,440,282 132,998,976
40,057,170 14,919,542
170,312,593 19,326,707
41,097,058 6,867,220
14,545,166 6,924,392
28,455,476 4,903,511
28,195,444 10,534,029
58,840,280 7,439,081
181,257,964 26,302,576
8,345,238 2,211,951
486,412,731 157,867,645
134,175,636 34,750,702
56,715,791 16,196,569
303,846,485 130,104,062
175,711,942 23,877,767
630,229,650 182,592,992
93,673,494 16,932,219
21,812,172 11,254,597
58,966,877 8,500,827
41,184,703 14,102,394
106,083,673 17,039,227
128,590,059 60,715,452
66,454,697 12,331,974
410,519,297 137,504,611
108,553,958 124,819,398

2,928,737 689,366

12,194,804 3,286,127
6,947,372 1,912,444
4,416,691 1,237,139

7,385,691 9,139,326
5,328,999 12,312,990
2,797,928 19,615,680
4,352,981 3,319,918
9,070,314 7,612,171
5,172,048 8,924,678
3,592,178 8,792,745