Financial Analysis

Financial Analysis of the Commercial Banks for the year ended Dec.
31, 08
(All amounts are in billions)
Bank
Contractuals
Retail
Banking
Income
NPL
Provisio
n
Commercial
Banking
Income
NPL
13.217
6.733
3.733
-0.067
21.218
12.815
12.547
107
0.347
7.529
4.078
14.571
10.739
5.817
14.918
21,214
Impairment
off
Impairment losses
losses taken
of Pkr.care
1.8 billion
not recorded, will be adjusted in 2009
796
3.558
5.499
4.077
5.060
50.962
40.763
8.618
15,043
Impairment losses taken care off
13
4.793
15.765
11.529
8.912
12.073
7.034
13.705
Sr. #
Bank - The Big Five
Deposits
Advances
Assets
Profit before
Tax
Profit after
Tax
No. of
Branches
Rating by
profitability
Banks' Staff
Strength
Outsource
Total Staff
Strength
HBL
688
400
700.00
22.03
15.6
1508
1st
14,123
1,000
15,123
MCB
330.27
262.2
443.61
21.86
15.374
1040
2nd
10,595
3,482
14,077
NBP
624.9
413
818
23
15.458
1276
3rd
15,204
6,010
UBL
483.56
371.13
605.07
13.874
8.333
1119
4th
8,851
6,192
5th
ABL
297.4
212.97
366.68
6.12
4.156
766
The Mid Sized Bank
2424.13
1659.3
2933
86.884
58.921
5709
8,427
2,681
11,108
57,200
19,365
76,565
1,937
536
2,473
7,584
2,085
9.669
Habib Metropolitan
128.369
108.261
182.357
4.74
3.277
117
Bank AlHabib
144.389
100.196
177.323
3.578
2.425
237
Bank AlFalah
300.732
192.671
348.99
1.794
1.3
282
6th
7th
8th
Faysal Bank Limited
102.776
89.758
138.241
1.796
1.114
129
9th
10
Standard Chartered Bank
174.551
125.601
278.514
1.093
0.630
162
10th
11
Meezan Bank Limited
70.233
39.768
85.27
0.992
0.621
166
369
3,170
Askari Commercial Bank
167.676
128.818
206.191
0.461
0.35
225
11th
12th
2,801
12
13
NIB Bank Limited
104.586
80.344
178.909
-10.900
-7.500
244
15th
5,254
1,656
6,910
14
15
Bank of Punjab
Soneri Bank
163.000
130.000
186.000
-16.000
-10.000
61.634
47.575
80.977
0.451
0.318
272
117
14th
13th
1863
-11.995
-7.465
1951
17,576
4,646
16
Emirates Global
10.892
9.967
16.537
-0.391
-0.261
40
499
200
699
17
Bank Islami
12.477
6.527
19.088
-0.52
102
18
KASB
35.087
32.24
51.799
-0.972
73
1134
668
1802
19
MYBANK
28.032
20.94
39.803
-0.35
80
20
JS Bank
15.294
9.699
21.627
0.111
0.054
40
610
217
827
21
22
Arif Habib Bank

Atlas Bank
16.616
15.758
24.802
-0.347
-0.191
18.646
20.549
28.967
-1.594
-1.01
33
40
541
862
0
609
541
1471
23
SILKBANK Limited
41.056
31.087
55.645
-2.834
-2.014
65
1182
539
1,721
24
Samba Bank Limited
902
589
31
1431
1252
115
5,000
Smaller Banks
Foreign Banks
25
26
27
28
Barclays
HSBC
Deutsche Bank AG
Royal Bank of Scotland
1417.95 1042.992
-1.849
Remarks
Provisio C & RBG

n
Income
102
2.183
5.689
4.680
1.613
8.082
8.830
3.796
1018
24.098
41.215
28.097
30.089
103.074
75.259
53.584
0.901
2.351
2.594
1.091
6.582
3.545
1.992

8.618
13.705
3,987
9.155
6.952
21.414
-0.5
-0.533
28
187.255
153.719
279.7
-6.904
-5.264
473
30,459
14.55
36.526
10.317
79.103
140.496
9.6
25.302
6.334
67.91
109.146
24.6
48.394
21.729
108.092
202.815
-1
0.141
0.831
-0.559
-0.787
-0.809
0.084
-0.297
-0.518
-1.54
9
12
3
79
103
529
663
84
22,222
Financial Analysis of the Commercial Banks for t

Sr. #
The Big Five
Deposits
Advances
Assets
Profit before
Tax
HBL
593.207
419
749.77
5.203
MCB
338.31
244.148
456.43
6.237
NBP
640.509
405.277
841.57
6.303
UBL
469.272
360.083
622.38
3.943
ABL
284.683
192.536
347.70
2.238
3,017.842
23.924
The Mid Sized Bank
2325.98 1621.044
Bank AlHabib
156.183
93.33
196.898
1.008
Habib Metropolitan
119.357
102.03
189.28
1.405
186.234
123.991
278.514
0.052
Bank AlFalah
273.258
177.634
328.823
0.665
10
Faysal Bank Limited
106.060
91.986
149.748
0.351
11
157.324
120.218
204.571
0.506
12
NIB Bank Limited
107.898
78.224
185.597
1,166
13
Soneri Bank Limited
66.323
44.575
87.968
0.356
14
Meezan Bank Limited
70.233
39.768
85.27
15
Bank of Punjab
163.000
130
1242.87
871.756
1706.669
1166.343
Smaller Banks
-4
16
Emirates Global
10.892
9.967
16.537
-0.060
17
Bank Islami
16.514
6.704
22.935
-0.129
18
KASB
42.55
31.528
59.801
-0.181
19
MYBANK
20
JS Bank
15.294
9.699
21.627
21
Arif Habib Bank
20.718
14.926
29.196
-0.149
22
Atlas Bank
18.646
20.549
28.967
-0.650
23
SILKBank Limited
44.803
31.96
61.784
-0.487
24
Samba Bank Limited
9.155
6.952
21.414
-0.206
25
The Bank of Khyber
21.765
11.276
29.934
-0.151
200.337
143.561
292.195
-2.013
Foreign Banks
26
26
27
Barclays
14.55
9.6
24.6
-0.440
HSBC
38.792
25.373
47,606
0.183
28
Deutsche Bank AG
4.343
5.087
15.667
0.450
29
30

Dubai Islamic Bank
74.960
22.759
60.586
18.104
103.854
29.368
-0.320
0.0778
31
Citibank, N.A.
Grand Total
65.213
220.617
37.546
156.296
109.29
47888.779
0.578
0.5288
mmercial Banks for the Quarter ended March 31, 08

Profit after
Tax
No. of
Branches
Rating by
profitability
Banks' Staff
Strength
Outsource
Total Staff
Strength
3.384
1508
3rd
14,123
1,000
15,123
4.134
1043
2nd
10,207
3,747
13,954
4.214
1276
1st
15,204
6,010
21,214
2.536
1119
4th
8,851
6,192
15,043
1.448
770
5th
8,427
2,681
11,108
15.716
5716
56,812
19,630
76,442
0.677
237
8th
0.910
117
1,937
536
2,473
0.034
162
6th
13th
0.448
282
9th
7,584
2,085
9.669
0.255
129
12th
0.317
225
10th
0.787
235
7th
5,254
1,656
6,910
0.265
117
11th
166
14th
2,801
369
3,170
-2.000
272
15th
3.693
1670
17,576
4,646
22,222
-0.059
40
499
200
699
-0.084
102
-0.173
73
1134
668
1802
40
610
217
827
-0.138
34
541
541
-0.452
40
862
609
1471
-0.471
65
1182
539
1,721
-0.165
28
-0.151
34
-1.693
536
4,828
-0.338
529
902
1431
0.121
12
663
589
1252
0.293
84
31
115
-0.256
0.051
79
24
3,987
80
5,000
Remarks
0.305
0.176
26
153
17.892
8075
Retail
Banking
Income
Provision
Commercial
Banking
Income
NPL
NPL
Provision
C & RBG
Income
3.796
7.453
4.262
1.097
20.284
12.208
4.893
2.482
7.408
4.411
2.241
12.082
7.194
0.480
5.499
4.077
1.784
51.003
40.763
4.723
0.000
2.264
0.000
0.798
17.742
12.579
0.722
13.126
7.645
0.711
5.689
4.680
0.562
8.082
8.830
1.520
0.000
1.273
8.267
43.791
30.009
6.406
104.577
76.640
14.673
-0.424
6.553
5.239
0.091
2.908
1.866
0.101
4.081
3.454
0.192
-0.323
3.180
1.666
0.166
2.013
1.037
-0.157
-0.249
-0.424
0.000
0.000
0.000
-0.229
-0.478
Financial Analysis of the Commercial Banks fo

Sr. #
The Big Five
Deposits
Advances
Assets
Profit
before Tax
HBL
642.895
459.639
807.65
10.407
MCB
361.834
258.849
467.68
11.689
NBP
692.958
452.183
902.62
9.743
UBL
508.707
368.38
632.70
6.769
ABL
312.776
212.223
385.64
4.626
The Mid Sized Bank
2,519.170
1,751.274
3,196.280
43.234
Bank AlHabib
171.669
103.745
211.944
2.197
Habib Metropolitan
131.488
105.368
207.253
2.546
189.916
127.888
291.874
0.345
Bank AlFalah
295.602
188.203
344.45
1.070
10
Faysal Bank Limited
105.817
94.809
153.433
0.774
11
180.657
129.13
222.179
0.880
12
NIB Bank Limited
99.115
84.539
189.675
1.522
13
Soneri Bank Limited
66.323
44.575
87.968
-0.309
14
Meezan Bank Limited
81.500
37.799
99.715
0.832
15
Bank of Punjab
163.000
130.000
186.000
1,322.087
916.056
1,808.491
9.857
Smaller Banks
16
Emirates Global
16.874
10.518
22.403
-0.295
17
Bank Islami
20.603
8.14
26.963
-0.297
18
KASB
43.237
30.101
60.287
-1.797
19
MYBANK
28.401
19.217
43.432
-1.574
20
JS Bank
15.294
9.699
21.627
-0.500
21
Arif Habib Bank
24.380
17.530
32.318
-0.693
22
Atlas Bank
26.143
19.491
30.934
-1.497
23
SILKBank Limited
48.729
32.611
63.110
-1.103
24
Samba Bank Limited
10.013
6.954
18.187
-0.471
25
The Bank of Khyber
23.289
11.175
33.778
-0.597
256.963
165.436
353.039
-8.824
26
26
27
Barclays
HSBC
23.896
38.792
14.036
25.373
35.289
47,606
-0.852
0.261
28
29
30
Deutsche Bank AG
Dubai Islamic Bank
7.37
77.830
25.42
3.724
54.385
19.428
15.995
105.713
33.194
1.172
-0.678
0.174
Foreign Banks
31
32
Citibank N.A.
AlBaraka Islamic Bank
Grand Total
62.387
20.152
255.847
32.926
14.955
164.827
103.195
26.391
47,925.777
0.586
-0.123
0.663
4,354.067
2,997.593
53,283.587
44.93
cial Banks for the Half Year ended June 30, 09

Profit after
Tax
No. of
Branches
Rating by
profitability
Banks' Staff
Strength
Outsource
Total Staff
Strength
6.562
1508
2nd
14,123
1,000
15,123
7.756
1051
1st
10,207
3,747
13,954
6.322
1280
3rd
15,204
6,010
21,214
4.288
1119
4th
8,851
6,192
15,043
3.060
770
5th
8,427
2,681
11,108
27.988
5728
56,812
19,630
76,442
1.384
246
7th
3306
1.746
110
1,937
0.255
162
6th
13th
0.707
282
9th
7,584
0.467
129
12th
0.585
225
10th
6,496
1,064
7,560
1.039
235
8th
5,254
1,656
6,910
-0.227
117
14th
1,720
0.506
166
11th
2,801
272
15th
3,337
536
3282
2,473
3,316
2,085
9.669
1,749
1,841
369
3,170
3,987
6.462
1672
32,380
5,710
34,353
-0.221
40
499
200
699
-0.263
102
-0.898
73
-1.228
80
-0.500
40
610
217
827
-0.568
34
541
541
-1.110
40
862
609
1,471
-1.108
65
1182
539
1,721
-0.430
28
571
-0.465
34
686
-6.791
536
4,828
2233
10,723
-0.576
0.162
9
12
529
663
902
589
1,431
1,252
0.762
-0.840
0.112
3
79
24
84
31
115
1,860
588
1,475
1134
668
1,802
930
Remarks
0.309
-0.134
-0.071
26
29
182
1276
1522
1,032
455
6,733
27.588
8118
95,296
29,095
128,251
Retail
Banking
Income
NPL
Provision
8.087
7.361
4.576
-0.359
7.473
4.718
2.339
Commercial
Banking
Income
7.925
NPL
13.390
Provision
8.453
4.148
C & RBG
Income
NPL
8.087
43.548
7.566
0.000
6.487
0.000
20.863
35.681
64.749
3.318
19.379
14.080
1.289
16.302
9.717
1.603
5.689
4.680
1.003
8.082
8.830
4.607
0.000
2.606
14.988
39.902
28.054
14.365
37.774
27.000
29.353
180.42
2.196
0.000
2.461
-0.759
0.000
1.180
1.471
0.725
0.118
2.343
-0.759
7.304
6.021
0.170
2.893
2.059
0.079
4.698
2.928
0.425
3.556
2.997
0.170
0.000
0.504
15.579
3.060
18.609
12.508
8.255
12.840
0.215
3.176
1.554
0.407
2.786
1.152
0.622
21.967
0.393
0.275
0.135
-0.084
2.351
1.676
0.309
2.627
81.046
-0.489
-0.030
-1.295
3.679
-0.121
1.264
-0.249
-0.302
-0.671
0.333
-0.610
0.943
0.350
-0.945
-0.229
-0.478
0.073
0.250
0.284
0.610
0.079
0.013
-0.052
0.044
-0.061
-0.810
0.373
0.658
0.000
-0.810
NPL / Advances
9.47
8.05
14.319
9.68
7.34
1.13
2.94
14.55
6.64
8.706
9.94
25.98
6.949

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Financial Analysis of the Commercial Banks for the year ended Dec.

Impairment losses taken care off

Impairment losses taken care off

Bank - The Big Five

Impairment losses taken care off

The Mid Sized Bank

Faysal Bank Limited

Standard Chartered Bank

Meezan Bank Limited

Askari Commercial Bank

NIB Bank Limited

Arif Habib Bank

Samba Bank Limited

Provisio C & RBG

Impairment losses taken care off

Impairment losses taken care off