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Report Calculations

This document provides a five year financial summary of a bank from 2005-2009. It shows key metrics such as net interest margin, provisions for non-performing loans, profits before and after tax, income, expenses, share capital, reserves, deposits, advances, investments and total assets. The bank saw declining net interest margin, profits, and deposits from 2008-2009 compared to previous years. However, reserves, share capital, and total assets increased over the five year period. The bank paid cash dividends in 2005 and issued bonus shares in 2006.

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72 views2 pages

Report Calculations

This document provides a five year financial summary of a bank from 2005-2009. It shows key metrics such as net interest margin, provisions for non-performing loans, profits before and after tax, income, expenses, share capital, reserves, deposits, advances, investments and total assets. The bank saw declining net interest margin, profits, and deposits from 2008-2009 compared to previous years. However, reserves, share capital, and total assets increased over the five year period. The bank paid cash dividends in 2005 and issued bonus shares in 2006.

Uploaded by

ammassumair
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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Five Year's Financial Summary

Rs. In million
2009 2008 2007 2006 2005
Operational Results
Net Interest Margin 5,198 5,842 6,225 5,939 4,483
Provision & Writeoffs against non-
3,945 3,590 3,873 861 621
performing loans and advances
Profit/(Loss) before tax 1,898 559 1,367 6,571 2,955
Profit/(Loss) after tax 1,338 518 1,565 2,395 1,803
Total Income (NIM+ Non-mark up incom 7,987 9,595 8,427 8,358 6,450
Non-Markup Expenses 5,941 6,564 5,922 3,926 2,874
Cash Dividend 303
Bonus Issue 418 303
Balance Sheet
Share Capital/HO Capital 17,180 17,179 13,474 5,297 4,835
Reserves 10,243 8,904 8,385 3,401 2,732
Total Shareholder's funds 6,937 8,276 5,089 8,699 7,567
Deposits 63,636 79,103 90,289 93,743 85,881
Advances 48,502 67,910 64,468 71,843 58,450
Borrowing from Financial Institutions 11,372 8,196 6,068 16,830 16,237
Investments 27,358 18,983 16,438 25,609 26,436
Total Assests 93,438 108,092 107,525 123,773 113,341
Ration (% age)
Return on capital employed 19 % 6% 31% 28% 24%
Advances to Deposits Ratio 76% 86% 71% 77% 68%
Efficiency Ratio 74% 68% 70% 47% 45%
Share Information
Earnings per Share 0.80 0.38 1.16 1.78 1.34
Net Assests per Share 4 0
Market Price per Share 18.00 21.13 47.95 48.60 25.70
Other Information
Total Employees-permanent 1673 1860 2319 2085 1784
Total Branches 79 79 82 81 71
Balance Sheet as at December 31, 2009
Repees in '000
Note 2009 2008

Assets

Cash and balances with treasury banks 6


Balances with other banks 7
Lendings to financial institutions 8
Investments 9
Advances 10
Operating fixed assets 11
Deferred tax assets 12
Other assets 13

Liabilities

Bills payable 15
Borrowings 16
Deposits and other accounts 17
Sub-ordinated loan 18
Liabilities against assets subject to finance lease
Deferred tax Liabilities 19
Other Liabilities

Net Assets

Represented by

Share capital 20
Advance against subscription for right shares
Reserves
Accumulated loss
Surplus on revaluation of assests - net of tax 21

Contingencies and commitments 22

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