Balance Sheet

Assets
Cash and balances with treasury bank
Balances with other bank
Lendings to financial institutions
Investments
Advances
Operating fixed assets
Deferred tax assets
Other asset
Liabilities
Bills payable
Borrowings
Deposits and other accounts
Sub-ordinated loans
Liabilities against assets subject to finance lease
Deferred tax liabilities
Other liabilities
Net assets
Share capital
Reserves
Unappropriated (loss) / profit
Surplus on revaluation of assets - net of tax

Profit and Loss

Mark-up / return / interest earned
Mark-up / return / interest expensed
Net mark-up / interest income
Provision against non-performing loans and advances - net
Impairment loss on available for sale investments
Provision for diminution in the value of investments - net
Reversal of provision against purchase under resale arrangement
Impairment loss on immovable assets
Bad debts written off directly
Net mark-up / interest (expense) / income after provisions
Non mark-up / interest income
Fee, commission and brokerage income
Dividend income
Income from dealing in foreign currencies

Gain on sale of securities - net

Unrealised gain on revaluation of investments
Other income
Total non-markup / interest income

Non mark-up / interest expenses

Administrative expenses
Other provisions / write offs
Other charges
Total non-markup / interest expenses
(Loss) / profit before taxation
Taxation current
prior years
deferred
(Loss) / profit after taxation
Unappropriated profit brought forward
(Loss) / profit available for appropriation
Basic (loss) / earnings per share - Rupees

2013
2012
2011
26,104,822 24,435,380 26,168,181
9,057,747
8,863,586
6,235,055
2,503,207
6,319,474
1,591,584
165,863,237 145,378,148 133,756,712
163,556,632 143,726,962 150,710,709
8,567,401
8,841,091
9,348,815
2,977,285
0
0
16,197,164 15,460,591 15,918,800
394,827,495 353,025,232 343,729,856

Horizontal Analyis
2013 vs 2012
2012 vs 2011
7%
-7%
2%
42%
-60%
297%
14%
9%
14%
-5%
-3%
-5%
5%
-3%
12%
3%

5,687,542
3,700,156
2,756,032
24,545,879
8,372,617 17,273,470
335,241,027 306,937,216 291,502,993
3,994,400
6,987,300
6,990,100
0
0
0
0
71,229
36,616
6,629,759
7,386,662
7,507,013
376,098,607 333,455,180 326,066,224
18,728,888 19,570,052 17,663,632

54%
193%
9%
-43%
-100%
-10%
13%
-4%

34%
-52%
5%
0%
95%
-2%
2%
11%

12,602,602
5,613,061
-1,582,626
16,633,037
2,095,851
18,728,888

8,130,711
8,542,421
886,336
17,559,468
2,010,584
19,570,052

7,070,184
8,136,440
1,189,524
16,396,148
1,267,484
17,663,632

55%
-34%
-279%
-5%
4%
-4%

15%
5%
-25%
7%
59%
11%

2,013
27,960,505
19,363,188
8,597,317
9,853,603
151,047
933,406
-34,578
199,898
0
11,103,376
-2,506,059

2,012
32,402,187
22,973,781
9,428,406
2,342,473
143,079
201,265
0
0
1,043
2,687,860
6,740,546

2,011
32,766,351
22,699,583
10,066,768
1,630,123
122,421
43,596
0
0
0
1,830,842
8,235,926

-14%
-16%
-9%
321%
6%
364%
-100%
313%
-137%

-1%
1%
-6%
44%
17%
362%
47%
-18%

1,169,442
508,748
559,463

1,153,496
1,036,249
884,724

1,193,986
289,470
772,495

1%
-51%
-37%

-3%
258%
15%

820,401
0
540,390
3,598,444
1,092,385

681,685
252
360,960
4,117,366
10,857,912

307,212
0
339,758
2,902,921
11,138,847

20%
-100%
50%
-13%
-90%

122%
6%
42%
-3%

9,396,803
113,514
22,571
9,532,888
-8,440,503
-93,765
0
3,054,373
2,960,608
-5,479,895
886,336
-4,593,559
-6.32

9,027,975
8,633
80,297
9,116,905
1,741,007
-843,092
0
364,779
-478,313
1,262,694
1,302,158
2,564,852
1.55

8,639,312
0
86,784
8,726,096
2,412,751
832,723
0
-47,670
785,053
1,627,698
701,819
2,329,517
2.3

4%
1215%
-72%
5%
-585%
-89%
737%
-719%
-534%
-32%
-279%

4%
-7%
4%
-28%
-201%
-865%
-161%
-22%
86%
10%

Assets
Cash and balances with treasury bank
Balances with other bank
Lendings to financial institutions
Investments
Advances
Operating fixed assets
Deferred tax assets
Other asset
Liabilities
Bills payable
Borrowings
Deposits and other accounts
Sub-ordinated loans
Liabilities against assets subject to finance lease
Deferred tax liabilities
Other liabilities
Net assets
Share capital
Reserves
Unappropriated (loss) / profit
Surplus on revaluation of assets - net of tax

Profit and Loss

Mark-up / return / interest earned
Mark-up / return / interest expensed
Net mark-up / interest income
Provision against non-performing loans and advances - net
Impairment loss on available for sale investments
Provision for diminution in the value of investments - net
Reversal of provision against purchase under resale arrangement
Impairment loss on immovable assets
Bad debts written off directly
Net mark-up / interest (expense) / income after provisions
Non mark-up / interest income
Fee, commission and brokerage income
Dividend income
Income from dealing in foreign currencies

Gain on sale of securities - net

Unrealised gain on revaluation of investments
Other income
Total non-markup / interest income

Non mark-up / interest expenses

Administrative expenses
Other provisions / write offs
Other charges
Total non-markup / interest expenses
(Loss) / profit before taxation
Taxation current
prior years
deferred
(Loss) / profit after taxation
Unappropriated profit brought forward
(Loss) / profit available for appropriation
Basic (loss) / earnings per share - Rupees

Vertical Analysis
2013
26,104,822
9,057,747
2,503,207
165,863,237
163,556,632
8,567,401
2,977,285
16,197,164
394,827,495

39%
-52%
-87%
786%
773%
-54%
-84%
-14%

2012
24,435,380
8,863,586
6,319,474
145,378,148
143,726,962
8,841,091
0
15,460,591
353,025,232

25%
-55%
-68%
0
634%
-55%
0
-21%

5,687,542 -70%
3,700,156 -81%
24,545,879
31%
8,372,617 -57%
335,241,027 1690% 306,937,216 1468%
3,994,400 -79%
6,987,300 -64%
0
0
0
0
71,229 -100%
6,629,759 -65%
7,386,662 -62%
376,098,607
333,455,180
18,728,888 100% 19,570,052 100%
12,602,602 -33%
5,613,061 -70%
-1,582,626 -108%
16,633,037 -11%
2,095,851 -89%
18,728,888 100%

8,130,711
8,542,421
886,336
17,559,468
2,010,584
19,570,052

-58%
-56%
-95%
-10%
-90%
100%

2,013
27,960,505
19,363,188
8,597,317
9,853,603
151,047
933,406
-34,578
199,898
0
11,103,376
-2,506,059

1
69%
31%
35%
1%
3%
0%
1%
0
40%
-9%

2,012
32,402,187
22,973,781
9,428,406
2,342,473
143,079
201,265
0
0
1,043
2,687,860
6,740,546

1
71%
29%
7%
0%
1%
8%
21%

1,169,442
508,748
559,463

4%
2%
2%

1,153,496
1,036,249
884,724

4%
3%
3%

820,401
0
540,390
3,598,444
1,092,385

3%
0%
2%
13%
4%

681,685
252
360,960
4,117,366
10,857,912

9,396,803
113,514
22,571
9,532,888
-8,440,503
-93,765
0
3,054,373
2,960,608
-5,479,895
886,336
-4,593,559
-6.32

34%
0%
0%
34%
-30%
0%
0
11%
11%
-20%
3%
-16%

9,027,975
8,633
80,297
9,116,905
1,741,007
-843,092
0
364,779
-478,313
1,262,694
1,302,158
2,564,852
1.55

2%
1%
13%
34%

28%
0%
0%
28%
5%
-3%
0
1%
-1%
4%
4%
8%