Progress of Banking Sector since 2006-2010

2006
Balance Sheet

HBL

Shareholder Equity & Revaluation Surplus

Total Assets
Total Deposits
Advances
Investments

53,111,561 40,844,314 29,863,38

17,687,753
562,915,764 342,108,243 423,265,87 252,026,776
439,724,335 257,461,838 335,077,873 206,031,324
335,985,458 198,239,155 247,309,89 144,033,634
119,128,687 63,486,316 67,260,33
46,953,241

Total Income
Total Expenditure
Provision for Non-Performing Loans & Others
Provision for Taxation
Profit/ (loss)before Taxation
Profit/ (loss) after Taxation

39,794,753
14,766,222
42,309,377
6,226,677
20,502,802
14,276,125

MCB

26,244,118
6,560,711
8,570,813
6,358,272
18,500,670
12,142,398

UBL

27,813,182
11,204,568
374,235
4,823,523
14,291,756
9,468,232

ABL

12,871,494
5,505,509
583,305
2,263,844
6,661,094
4,397,250

2006
NBP
81,954,118
635,132,711
501,872,243
316,110,406
139,946,995
42,316,608
13,634,485
3,075,723
9,288,231
26,310,577
17,022,346

FYSL B

HMBL

SONERI

13,796,634 10,868,112 4,389,659

115,470,401 148,668,395 63,345,080
74,413,641 102,492,712 47,605,508
74,468,644 83,324,059
32,052,544
22,525,358 39,555,569 16,390,624
6,391,388
1,899,441
3,535,000
1,053,768
3,870,340
2,816,572

4,601,277
1,350,098
443,248
1,046,909
3,142,798
3,374,302

2,277,838
801,868
351,710
479,799
1,400,032
920,233

Balance Sheet

HBL

Shareholder Equity & 57,943,955

Revaluation Surplus
Total Assets
655,838,856
Total Deposits
508,986,541
Advances
508,986,541
Investments
171932281
Total Income
11,312,541
Total Expenditure
17,164,773
Provision for Non-Performing
24,588,571
Loans & Others
Provision for Taxation 5,085,586
Profit/ (loss)before Taxation
13,127,002
Profit/ (loss) after Taxation
8,041,416

MCB
55,119,675
410,485,517
292,098,066
218,960,598
113,089,561

UBL

ABL

2007
NBP

42,421,40
19,878,242 116,337,654
530,283,95 320,109,723 762,193,593
401,637,81 263,972,382 591,907,435
299,354,73 168,407,280 340,677,100
115,585,64 83,958,463 210,787,868

29,932,353 33,101,707
5,559,267 13,674,688
10,725,308 1,210,173
6,042,473 4,602,384
21,308,055 13,004,97
15,265,562 8,402,590

15,025,517
6,434,599
2,712,936
1,876,918
5,953,076
4,076,158

47,174,315
14,391,079
4,723,084
9,026,728
28,060,501
19,033,773

SCB

FYSL B

HMBL

SONERI

16,156,503 13,518,192 5,611,903

141,272,421 172,867,001 70,729,674
102,067,421 121,066,469 53,000,647
87,346,401 89,826,806 35,412,248
31,553,108 61,735,796 16,724,253
7,592,534
2,815,663
4,753,000
425,719
2,697,827
2,272,108

6,900,073
2,254,015
804,247
1,406,892
4,203,898
2,797,006

2,522,652
1,037,006
350,324
463,603
1,448,901
985,298

Balance Sheet

HBL

MCB

Shareholder Equity & 65,044,411

Revaluation Surplus
58,436,054
Total Assets
717,302,004 443,615,904
Total Deposits
572,399,187 330,181,624
Advances
435,708,660 262,135,470
Investments
127,786,754
96,631,874
Total Income
10,372,151
34,274,524
Total Expenditure
20,820,329
8,387,837
Provision for Non-Performing
36,083,044
Loans
18,268,877.00
& Others
Provision for Taxation 5,854,214
6,492,966
Profit/ (loss)before Taxation
15,855,194
21,867,566
Profit/ (loss) after Taxation
10,000,980
15,495,297

UBL

ABL

2008
NBP

49,395,664 22,355,614 102,459,218

620,707,389 366,695,669 817,758,326
492,267,898 297,475,321 624,939,016
377,945,366 212,972,008 412,986,865
115,057,090 82,646,595 170,822,491
39,715,120 18,194,731
17,780,935
8,917,790
1,276,481 212,972,008
5,606,800
1,964,254
14,052,051
6,120,940
8,445,251
4,156,686

53,473,892
19,502,080
10,953,565
7,542,408
23,000,998
15,458,590

FYSL B

HMBL

SONERI

9 10,772,108 15,004,650 7,113,047

138,241,486 182,710,853 80,977,254
102,776,793 128,432,616 73,548,226
83,512,068 108,261,259 48,217,148
36,152,537 53,631,532 29,537,179
14,565,000
3,416,000
4,891,775
3,844,000
1,797,000
1,115,000

9,247,424
3,233,784
1,747,599
1,471,032
4,763,820
3,292,788

4,170,800
1,951,625
3,190,077
45,058
953,233
252,192

Balance Sheet

HBL

MCB

Shareholder Equity & 79,095,547

Revaluation Surplus
69,740,013
Total Assets
820,981,347 509,223,727
Total Deposits
653,452,460 367,604,711
Advances
432,283,588 253,249,407
Investments
209,421,147 167,134,465
Total Income
51,605,451 41,417,429
Total Expenditure
22,507,572 10,940,163
Provision for Non-Performing
42309377
Loans &
23238723
Others
Provision for Taxation 7187098
7659648
Profit/ (loss)before Taxation
19,485,741 23,154,945
Profit/ (loss) after Taxation
12298643
15374600

UBL

ABL

2009
NBP

FYSL B

HMBL

SONERI

67,318,363 29,959,978 119,556,378 12,782,739 18,740,513 7,803,201

640,449,529 418,374,331 944,232,762 180,865,413 237,412,230 95,310,272
503,831,672 328,875,037 726,464,825 123,655,188 142,457,376 73,548,226
362,079,596 237,344,038 475,243,431 91,346,001 102,293,132 48,727,103
137,734,578 94,789,492 217,642,282 56,531,338 111,679,520 29,537,179
45,492,690
18,911,237
2515142
4904229
14,392,181
9487982

24,657,843
9,624,119
237344038
3413953
10,536,120
7122167

57,483,405
23,513,897
11043469
70923000
22,300,173
18211846

18,244,000
4,311,000
10671000
3492000
1,301,000
1200000

10,413,135
3,629,847
6364335
1474148
4,213,642
2739494

3,902,698
2,078,942
5002417
45058
190,413
145355

140,000,000
120,000,000
100,000,000
80,000,000
60,000,000
40,000,000
20,000,000
0
Shareholder Equity & Revaluation Surplus

1,200,000,000
1,000,000,000
800,000,000
600,000,000
400,000,000
200,000,000

200,000,000
0
Total Assets

900,000,000
800,000,000
700,000,000
600,000,000
500,000,000
400,000,000
300,000,000
200,000,000
100,000,000
0
Total Deposits

500,000,000
450,000,000
400,000,000
350,000,000
300,000,000
250,000,000
200,000,000
150,000,000
100,000,000
50,000,000
0
Advances

350,000,000
300,000,000
250,000,000
200,000,000
150,000,000
100,000,000
50,000,000

50,000,000
0
Investments

70,000,000
60,000,000
50,000,000
40,000,000
30,000,000
20,000,000
10,000,000
0
Total Income

Balance Sheet

HBL

MCB

Shareholder Equity & 89,524,739

Revaluation Surplus
79,204,209
Total Assets
820,981,347 567,552,613
Total Deposits
653,452,460 431,371,937
Advances
432,283,588 254,551,589
Investments
209,421,147 213,060,882
Total Income
56,958,988 43,098,835
Total Expenditure
23,922,081 13,248,643
Provision for Non-Performing
209,421,147
Loans24,543,807
& Others
Provision for Taxation 9,444,227
9,379,900
Profit/ (loss)before Taxation
25,057,281 26,253,075
Profit/ (loss) after Taxation
15,613,054 16,873,175

2010
NBP

UBL

ABL

68,415,065
698,784,979
550,645,767
333,732,172
224,578,556

35,974,857 128,495,828 16,517,770

449,931,526 1,035,024,680 267,320,923
371,284,268 832,151,888 195,315,204
253,099,509 477,506,564 133,706,769
121,173,409 301,323,804 86,418,549

44,227,140 28,236,830
18,482,222 11,810,339
790,496 253,099,509
6,582,288
4,117,774
17,742,218 12,343,106
11,159,930
8,225,332

FYSL B

60,854,298
26,469,490
86,642,000
6,851,905
24,415,119
17,563,214

30,000,000
25,000,000
HBL

20,000,000

MCB

15,000,000

UBL
ABL

10,000,000

NBP
FYSL B

5,000,000

HMBL

0
Total Expenditure

SONERI

300,000,000
250,000,000
HBL
MCB
UBL
ABL

200,000,000
150,000,000
100,000,000

NBP
FYSL B

50,000,000

HMBL

SONERI

Provision for Non-Performing Loans & Others

9,803,542
6,774,664
2,470,000
-363,275
827,054
1,190,329

HMBL

0
Provision for Non-Performing Loans & Others

SONERI

10,000,000
9,000,000
HBL

8,000,000
7,000,000

MCB

6,000,000

UBL

5,000,000

ABL

4,000,000

NBP
FYSL B
HMBL
SONERI

3,000,000
2,000,000
1,000,000
0
-1,000,000

Provision for Taxation

30,000,000
HBL
MCB

25,000,000
20,000,000

UBL
ABL

15,000,000

NBP

10,000,000

FYSL B
HMBL
SONERI

5,000,000
0
Profit/ (loss)before Taxation

18,000,000
HBL
MCB
UBL

16,000,000
14,000,000
12,000,000
10,000,000

ABL

8,000,000

NBP

6,000,000

FYSL B

4,000,000

HMBL

2,000,000

SONERI

HMBL
SONERI

2,000,000
0
Profit/ (loss) after Taxation

HBL
MCB
UBL
ABL
NBP
FYSL B
HMBL
SONERI

HMBL

SONERI

20,308,133
8,917,673
252,210,652 104,841,299
160,457,975 82,016,811
119,827,636 54,675,721
100,993,820 34,985,663
11,375,893
4,308,010
10,961,145
1,208,297
4,026,335
2,818,038

HBL
MCB
UBL
ABL
NBP
FYSL B
HMBL
SONERI

HBL
MCB
UBL
ABL
NBP
FYSL B
HMBL
SONERI

4,275,083
2,682,400
7,096,036
15,007
140,477
125,440

HBL
MCB
UBL
ABL
NBP
FYSL B
HMBL
SONERI

HBL
MCB
UBL
ABL
NBP
FYSL B
HMBL
SONERI

HBL
MCB
UBL
ABL
NBP
FYSL B
HMBL
SONERI

SONERI