ANALYSIS OF A BANK

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Contents
‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ ‡ Introduction Pattern of Shareholding Mission Statement Award & Recognition Corporate Information Askari Bank·s Presence Change Management Business & Operations Financial Review Ratio Analysis Comparative Analysis
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Bank·s Head Office

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Past

Present

16 Years of Banking
‡ Incorporated in Pakistan on October 09, 1991, as a Public Limited Company. ‡ Commenced operations on April 01, 1992. ‡ Listed on Karachi, Lahore & Islamabad Stock Exchange. ‡ Shared network of over 1,400 on-line ATMs covering all major cities in Pakistan.
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Mission
To be leading Private Sector Bank in Pakistan with an International Presence, delivering quality service through Innovative Technology and effective HRM, maintaining High Ethical and Professional Standards.

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Pattern of Shareholding
Particulars Shares Held
94,574,143 15,192,691 8,535 6,384 627,599 22,239 35,722,397 46,666,485 7,612,766 200,433,239

%
47.18 7.58 0.00 0.00 0.31 0.01 17.83 23.29 3.80 100.00
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Army Welfare Trust NIT ICP Directors & Chief Executive M Afzal Munif Executives of the Bank DFI·s, NBFC· etc Individuals Others

Entity Ratings
Rated by PACRA
‡ Long Term ‡ Short Term AA A1+

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Awards & Recognition
‡ ‡ ‡ ‡ Corporate Excellence Bank of First Choice Best Retail Bank in Pakistan Annual Report for the year

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Corporate Information

Board of Directors ‡ Lt Gen Waseem Ahmed ‡ Brig ® M Shiraz Baig ‡ Mr. Kashif Mateen Ansari ‡ Mr. M Afzal Munif ‡ Mr. Tariq Iqbal Khan

Lt Gen ® Zarrar Azim Brig ® Asmat Ullah Khan Mr. Zafar Alam Khan Mr. M Najam Ali Mr. Shehryar Ahmed
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Askari Bank·s Presence

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Change

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Why Change
Culture of pleasing ones Superior

State of confusion and disarray

State of Stagnation

High Powered vehicle with one tire stuck

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What Change
Effective Teamwork

Co-operate & move forward in the same direction

Key Player in the Banking Industry

Challenging & Dynamic Environment

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Identifying Areas of Change
Change took place in the following areas:
‡ Organizational Structure ‡ Communication ‡ Human Resources ‡ Information Technology ‡ Brand ‡ Service ‡ Product ‡ Infrastructure/ Premises

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Organizational Structure

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Business & Operations

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Corporate Banking

‡ Working Capital Financing ‡ Loan Syndication ‡ Equity Financing ‡ Debt swaps

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Corporate Banking Segment Wise Exposure

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Investment Banking
‡ Advisory Services ‡ Debt Capital Markets ‡ Capital raising ‡ Trading activity

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Retail Banking
‡ Atm/ credit card ‡ Mortgage finance ‡ Business finance ‡ Personal finance ‡ Smart cash ‡ Auto loans ‡ On-line utility bill ‡ RTC·s

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Retail Portfolio

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Retail Banking Advances
Rs in Billion

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Treasury & International Banking

‡ Fcy accounts ‡ Import & export ‡ Traveler cheques ‡ Foreign remittance

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Cash, Short Term Placements & Govt. Bonds
Rs in Billion

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Imports
Rs in Billion

Exports

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Advances & Credit

‡ Term loans ‡ Cheque purchase ‡ Letters of credit ‡ Guarantees ‡ Running finance ‡ Pre-post shipment ‡ Fcy/ Lcy financing

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Advances Portfolio

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Distribution of Funded O/s Advances

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Advances by Sector

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Agriculture Banking

‡ Ever green finance ‡ Tractor finance ‡ Farm mechanization finance ‡ Aab pashi finance ‡ Farm transport finance ‡ Dairy farm scheme

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Askari Islamic Banking
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Askari Islamic Banking
‡ ‡ ‡ ‡ launched in 2006 06 branches in major cities halal banking solutions areas include
‡ Islamic corporate banking ‡ Islamic investment banking ‡ Islamic trade finance ‡ Islamic general banking ‡ Islamic consumer banking

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An Era of Performance
Profitability) Total Income Interest Income Non-Interest Income Profit after Taxation Shareholders' Fund Shareholders' Funds Liabilities Customer Deposits Refinance Borrowings Subordinated Loans Other Liabilities Assets Advances Investments Ratios ROE ROA EPS 2002 5,704 4,858 846 687 4,173 51,732 3,392 11,016 30,035 26,737 20.3 1.1 6.32 2003 5,028 4,074 954 1,103 5,047 61,657 7,329 11,354 44,778 22,104 23.9 1.4 9.66 2004 6,121 4,487 1,634 1,923 6,016 83,319 9,777 1,000 7,055 69,838 17,239 34.8 2.0 15.31 2005 10,333 8,781 1,552 2,022 8,813 118,795 9,778 3,000 4,714 85,977 25,708 27.7 1.6 13.42

Rs in Million

2006 14,736 12,597 2,139 2,250 11,053 131,839 13,378 2,999 6,764 99,179 28,626 22.6 1.4 11.23
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Financial Highlights 2007

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Balance Sheet Growth

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Growth in Deposits

Growth in Advances
Rs in Billion

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Analysis of Deposits
Rs in Billion

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Profit

(Rs in million)

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Profit After Tax
Rs in Billion

6 5 4 3 2 1 0.687 1.103 2.022 1.923 2.250

2681

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NPL·s

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Advances to Deposits

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Ratio Analysis
ROE (Return on Equity)
34.8 27.7 23.9 20.3 22.6

2002

2003

2004

2005

2006
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Ratio Analysis
ROA (Return on Assets)

1. 1. 1.1 1.

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Ratio Analysis
EPS (Earning Per Share)
5.3 3.42 .23 9.66

6.32

2002

2003

2004

2005

2006

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Ratio Analysis
Current Ratio
1.21 1.19

1.11 1.08 1.09

2002

2003

2004

2005

2006
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Interim Financial Statement
September 30, 2007 Rs in Million Profitability ‡ Total Income ‡ Profit after Tax Shareholder¶s Funds ‡ Total Shareholder¶s Fund Liabilities ‡ Customer Deposits ‡ Re-Finance Borrowings Assets ‡ Advances ‡ Investments ‡ Total Assets 11,180 1,858

13,284

142,435 11,338

94,877 42,703 178,498
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Comparative Analysis
September 30, 2007 Profitability Total Income Profit after Tax Shareholder¶s Funds Total Shareholder¶s Fund Liabilities Customer Deposits Re-Finance Borrowings Assets Advances Investments Total Assets Askari Bank 11,180 1,858 Bank Al Falah Faysal Bank Rs in Million 18,841 3,006 8,662 2,313

13,284

15,362

17,068

142,435 11,338

260,228 16,096

105,718 9,592

94,877 42,703 178,498

149,336 89,778 312,460

79,810 33,088 144,199
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The End

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