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Non-Mark-up/Interest Income: Profit Before Taxation 22,198,843 23,249,286

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shahzad khalid

This document contains financial statements for the National Bank of Pakistan for the years 2009, 2008 and 2007. It shows key line items from the income statement, including net interest income, provisions, non-interest income and expenses, profit before tax, and profit after tax. It also includes select ratios such as return on equity, advances to deposits ratio, and equity to assets ratio. The balance sheet provides data on assets, liabilities and equity for the years shown. Overall it provides an overview of the bank's financial performance and position over this period.

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Non-Mark-up/Interest Income: Profit Before Taxation 22,198,843 23,249,286

Uploaded by

shahzad khalid
78 views8 pages
This document contains financial statements for the National Bank of Pakistan for the years 2009, 2008 and 2007. It shows key line items from the income statement, including net interest income, provisions, non-interest income and expenses, profit before tax, and profit after tax. It also includes select ratios such as return on equity, advances to deposits ratio, and equity to assets ratio. The balance sheet provides data on assets, liabilities and equity for the years shown. Overall it provides an overview of the bank's financial performance and position over this period.

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This document contains financial statements for the National Bank of Pakistan for the years 2009, 2008 and 2007. It shows key line items from the income statement, including net interest income, provisions, non-interest income and expenses, profit before tax, and profit after tax. It also includes select ratios such as return on equity, advances to deposits ratio, and equity to assets ratio. The balance sheet provides data on assets, liabilities and equity for the years shown. Overall it provides an overview of the bank's financial performance and position over this period.

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Download as XLS, PDF, TXT or read online from Scribd
Download as xls, pdf, or txt
78 views8 pages

Non-Mark-up/Interest Income: Profit Before Taxation 22,198,843 23,249,286

Uploaded by

shahzad khalid
This document contains financial statements for the National Bank of Pakistan for the years 2009, 2008 and 2007. It shows key line items from the income statement, including net interest income, provisions, non-interest income and expenses, profit before tax, and profit after tax. It also includes select ratios such as return on equity, advances to deposits ratio, and equity to assets ratio. The balance sheet provides data on assets, liabilities and equity for the years shown. Overall it provides an overview of the bank's financial performance and position over this period.

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2009 2008

Rupees in( 000)


Mark up/Return/interest earned 78,124,796 61,151,818
Mark up/Return/interest expensed 39,448,291 23,877,804
Net mark up/interest income 38,676,505 37,274,014
Provision against non-performing loans and advances 11,148,773 10,634,367
Provision for diminution in the value of investments-net 651,282 371,729
Provisions against off balance sheet obligations 20,237 4,000
Bad debts written off directly
Total proivisions 11,820,292 11,010,096
Net mark up/interest income after provisions 26,856,213 26,263,918

Non-Mark-up/Interest Income

fee,commission and brokerage income 8,996,973 7,985,547


Dividend income 1,896,817 2,887,314
Income from dealing in foreign currencies 3,103,673 4,021,064
Gain on sale and redemption of securities-net 4,593,041 397,118
Unrealized gain /loss on revaluation on investments classified as held-for-tradin 2,355 1,707
Share of (losses)/ptofits from joint ventures -41,715 128,533
Share of profits from associates-net of tax 5,238 6,290
Other income 552,950 1,255,903
Total Non-Mark-up/Interest Income 19,109,333 16,683,476
Total (NET SALES) 45,965,546 42,947,394

Non-Mark-up/Interest Expenses
Administrative expenses 22,816,665 18,363,344
Other provisions/ write offs 628,391 751,403
Other charges 321,647 583,361
Total Non-Mark-up/Interest Expenses 23,766,703 19,698,108
22,198,843 23,249,286
Extra ordinary/ unusual items 0 0
Profit before taxation 22,198,843 23,249,286

Taxation -Current 9,261,621 11,797,821


-Prior years -4,137,307 -1,831
-Deffered -1,024,513 -42,230,776
Total taxation 4,099,801 7,565,232
Profit after taxation 18,099,042 15,684,054

Attributable to:
Share holders of the bank 18,100,811 15,681,084
Minority interest -1,769 2970
Net balance 18,099,042 15,684,054

Bsic earning per share for profit attributable to the share holders of the bank 16.82 14.57

Bsic earning per share for profit Dattributable to the share holders of the bank 16.82 14.57

Operating profit Margin=Operating profit/net sales


Net profit Margin=Net profit/Net sales
Return on total assets=net profit/total assets
2007 2006 2005
Rupees in( 000)
50,842,230 43,788,628 33,692,665
17,026,935 13,634,912 10,321,768
33,815,295 30,153,716 23,370,897
4,723,084 3,075,723 2,446,739
-40,248 -709,461 -245,881

39,899 5,284 23,069


4,722,735 2,371,546 2,223,927
29,092,560 27,782,170 21,146,970

6,877,152 6,144,628 4,926,604


3,278,917 2,891,755 1,718,478
1,067,958 1,333,840 1,205,638
2,354,390 1,169,515 1,365,771
-31,964 4,464 1,979
210,445
30,988
153,110 627,618 177,839
13,940,996 12,162,892 9,392,351
43,033,556 39,945,062 30,539,321

14,388,611 13,443,441 11,221,789


176,014 -17,283 198,298
17,141 208,327 63,206
14,581,766 13,634,485 11,483,293
28,451,790 26,310,577 19,056,028
0 0 0
28,451,790 26,310,577 19,056,028

8,333,955 8,695,598 7,154,002


389,684 530,652 -1,098,709
322,986 61,981 291,291
9,046,625 9,288,231 6,346,584
19,405,165 17,022,346 `

11,902
21.62 24.01 17.92

21.62 24.01 17.92


Balance Sheet of National Bank of
2009 2008 2007
Assets Rupees in( 000)
Cash and Balences with treasury banks 116,668,514 106,778,346 95,010,514
Balences with other banks 28,786,397 39,490,729 38,216,263
Lending to financia Institutions-net 19,683,526 17,139,081 21,656,192
Investments-net 217,596,037 171,204,890 212,087,467
Advances-net 475,338,439 413,076,390 340,369,649
Operating fixed assets 25,200,870 24,271,964 25,979,302
Deffered tax assets-net 3,064,459 3,203,565
Other assets 59,565,027 44,912,236 31,289,403
Total assets 945,903,269 820,077,201 764,608,790

Liabilities
Bills payable 10,621,169 10,219,061 7,061,901
Borrowings 44,828,138 40,044,291 11,331,842
Deposits and other accounts 726,513,013 625,349,269 591,817,052
Sub-ordinated loans
Liabilities against assets subject to finance lease 42,629 25,274 33,739
Deffered tax liabilities-net 5,099,060
Other liabilities 42,455,768 39,988,101 31,351,550
Total liabilities 824,460,717 715,625,996 646,695,144

Net Assets 121,442,552 104,451,205 117,913,646

Presented by (Owner's Equity)


Share capital 10,763,702 8,969,751 8,154,319
Reserves 23,395,059 20,476,863 16,378,394
Unappropriated profit 62,346,594 53,567,323 46,232,813
Total equity 96,505,355 83,013,937 70,765,526
Total equity attributable to Share holders of the bank 96,505,355 83,013,937
Minority interest 110,930 112,699 109,729

Total 96,616,285 83,126,636

Surplus on revaluation of assets-net 24,826,267 21,324,569 47,038,391

Total liabilities+equity 121,442,552 104,451,205 117,913,646

Profit after taxation 18,099,042 15,684,054 19,405,165

RATIOS
Advances to Deposit ratio=Advances/deposits 65.4 66.1 57.5
Equity to asset ratio=Total assets/Equity 980.2 987.9 1080.5
Equity to Deposit =Total Equity/Deposit 13.3 13.3 12.0
Return on Equity=Net profit/total Equity 18.8 18.9 27.4
Investments to total assets=Investments/total assets 23.0 20.9 27.7
Return on total assets=net profit/total assets 1.91 1.91 2.54
Rate of Return on Loan= Interest income/Total loans
Debt ratio=Total liabilities/total assets 87.16 87.26 84.58
Advances to asset ratio=Loans/total assets
Deposit to total liability ratio=Total deposit/total liabilities 88.12 87.38 91.51
t of National Bank of Pakistan
2006 2005
in( 000)
78,625,227 71,196,956
40,641,679 31,019,330
23,012,732 16,282,942
139,946,995 156,985,378
316,110,406 268,838,779
9,681,974 9,454,365

27,113,698 23,941,056
635,132,711 577,718,806

10,605,663 1,741,156
11,704,079 8,756,847
501,872,243 463,426,602

13,235 16,629
2,387,073 4,462,718
26,596,300 23,496,910
553,178,593 501,900,862

81,954,118 75,817,944

7,090,712 5,908,927
13,879,260 12,354,256
32,074,677 19,372,523
53,044,649 37,635,706

53,044,649 37,635,706

28,909,469 38,182,238

81,954,118 75,817,944

17,022,346 12,709,444

63.0 58.0
1197.4 1535.0
10.6 8.1
32.1 33.8
22.0 27.2
2.68 2.20

87.10 86.88

90.73 92.33

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