Comparison of ISLAMIC & CONVENTIONAL Banking
Classification of Banks
Bases: Shares Outstanding Total Assets Total Employees Coverage
Large Banks
Medium Size Banks Small Banks
Large Banks
National Bank of Pakistan Habib Bank Limited United Bank Limited Muslim Commercial Bank Allied Bank Limited Bank Al-Falah
Medium Size Banks
Small Banks
Standard Chartered Bank Askari Bank Limited Bank Al-Habib Habib Metropolitan Bank NIB Meezan Bank Soneri Bank Limited
Silkbank Limited Summit Bank Limited HSBC Bank of Khyber Barclays Bank Mybank Limited JS Bank Limited Samba Bank Deutsche Bank AG First Women Bank Bank of Tokyo Dubai Islamic Bank Dawood Islamic bank Ltd. BankIslami
Comparison
(Quick Facts)
Incorporated on January 27, 1997 Products:
Revenue
Murabaha, Ijarah,
PKR 5.1 Billion (2009)
Net Income
Diminishing Musharakah,
ATM/Debit Card, Savings, Consumer Banking etc.
PKR 1,025 Million (2009) 3,669 (2009)
Employees
Quick Facts)
NIB was incorporated in Business areas are;
March 2003 It has branches all over the country
Total assets as of March 31,
Retail Banking and Transaction
Banking Small Medium Enterprises and Commercial Banking Group Corporate and Investment Banking Group / Financial Institutions
2011 are Rs. 150 bn.
Its goal is to be amongst the top five banks of Pakistan. It has over 3000 employees.
Treasury of Capital Market
Group
Financial Viewpoint
Assets: Rupees in Million
Bank Cash & Bank Investment s Lending to financial institutions Investment s Loans & advances net of provisioins 53,995 74,584 Operating fixed& intangible assets 3,096 6,900 Other assets Total Assets
Meezan NIB
22,739 1 1,789
50,519 50,209
10,512 6,429
17,949 14,646
158,810 164,557
Liabilities & Equity: Rupees in Million
Bank Bills Payable Borrowings Deposits Subordinate d Loans Other liabilities Equity Total
Meezan NIB
1,767
5,829
131,068 --
7,719
12,427
158,810
164,557
1,335
42,362
99,112
3,996
3,867
13,885
Financial Viewpoint
Income Statement: Rupees in Million
Bank Spread Provisions/(r eversals) Non-markup Operating income Operating expenses Profit (Loss) before tax Taxation Profit (Loss) after tax
Meezan
5,678
1 ,496
2,911
7 ,094
4,724
2,370
544
1,826
NIB
3,015
10,041
2,274
(4,752)
7,337
(12,089)
(2,382)
(9,707)
Profitability
Profit before Taxes:
Tip: Profit before Taxes = Operating income minus Operating costs *NIB incurred a loss of Rs. 12.1bn compared to profit of Rs. 1.6 billion last year.
Returns
Return on Average Equity (ROAE):
Tip: ROAE is profit before tax as a percentage of average equity.
Spread:
Difference between markup/return/interest earned on loans and advances as a percentage of average loans and advances, at two year ends, and mark-up/return/interest expense of deposits as a percentage of average deposits, at two year ends.
Net Interest Profit Ration
Mark-up/return/interest earned (before provisions) as a percentage of interest bearing assets less markup/return/interest expensed as a percentage of interest bearing liabilities.
Non-Funded Income:
Fee, commission & brokerage, rent, income from dealing in foreign currencies, profit on sale of fixed & other assets and other non-fund receipts.
Costs:
Operating cost Includes all expenses charged to arrive at profit before tax excluding cost of funds and provisions.
Offerings
Loan & Advances:
Market share in Offerings
Liquidity
The ratio of total average advances to total average deposits
Deposits
Other Criteria
EPS
Credit Ratings
Legend & Number of Branches
Bs d kha
