Analysis of Balance Sheet

Supporting Calculation

Year 2005
23,665,549
Cash &Ballance Treasury Banks = ×100=7 . 92 %
298,780,780

1,466,045
Balances with other Banks = ×100=0 . 49%
298,780,780

9,998,828
Lending to Financial Institution = ×100=3 .35 %
298,780,780

69,481,487
Investment = ×100=23. 26 %
298,780,780
180,322,753
Advances = ×100=60 .35 %
298,780,780
8,182,454
Opreating Fixed Assets = ×100=2 . 74 %
298,780,780
191,967
Deffered Tax Assets = ×100=0 . 06 %
298,780,780
5,471,697
Other Assets = ×100=1. 83 %
298,780,780
8,536,674
Bill Payable = ×100=2 .86 %
298,780,780
27,377,502
Borrowing = ×100=9 .16 %
298,780,780
229,341,890
Deposit & Other Accounts = ×100=76 . 76%
298,780,780
1,598,080
Sub-Ordinated Loans = ×100=0. 53 %
298,780,780

8,192,338
Other Liabilities = ×100=2. 74 %
298,780,780
Internship Report on MCB 1 Babar Adeeb 74-SS-08
 4,265,327
Share Capital = ×100=1. 43 %
298,780,780
9,054,940
Reserve = ×100=3. 03 %
298,780,780
4,990,260
Unappropriate Profit = ×100=1 .67 %
298,780,780
5,423,769
Surplus = ×100=1 .82%
298,780,780

Year 2006
32,465,976
Cash &Ballance Treasury Banks = ×100=9 . 49 %
342,108,243
6,577,017
Ballances with other Banks = ×100=1. 92 %
342,108,243
21,081,800
Lending to Financial Institution = ×100=6 . 16 %
342,108,243

63,486,316
Investment = ×100=18 . 56 %
342,108,243
198,239,155
Advances = ×100=57 .94 %
342,108,243
9,054,156
Opreating Fixed Assets = ×100=2 . 65 %
342,108,243
172,373
Deffered Tax Assets = ×100=0 . 05 %
342,108,243
11,031,450
Other Assets = ×100=3 . 23 %
342,108,243
7,089,679
Bill Payable = ×100=2 .07 %
342,108,243
23,943,476
Borrowing = ×100=6 . 99 %
342,108,243
Internship Report on MCB 2 Babar Adeeb 74-SS-08
 257,461,838
Deposit & Other Accounts = ×100=75. 25 %
342,108,243
1,597,440
Sub Ordinated Loans = ×100=0 . 47 %
342,108,243
11,171,496
Other Liabilities = ×100=3. 27 %
342,108,243

5,463,276
Share Capital = ×100=1.6 %
342,108,243
24,662,426
Reserve = ×100=7 .21%
342,108,243
5,530,973
Un-appropriated Profit = ×100=1 . 62%
342,108,243
5,187,639
Surplus = ×100=1 .52 %
342,108,243
Year 2007
39,683,883
Cash &Ballance Treasury Banks = ×100=9. 67 %
410,485,517
3,807,519
Ballance with other Banks = ×100=0 . 93 %
410,485,517
1,051,372
Lending to Financial Instutions = ×100=0 . 26 %
410,485,517
113,089,261
Investment = ×100=27 . 55 %
410,485,517
218,960,598
Advances = ×100=53 .34 %
410,485,517
16,024,123
Opreating Fixed Assets = ×100=3 . 9 %
410,485,517
17,868,761
Other Assets = ×100=4 .35 %
410,485,517

10,479,058
Bill Payable = ×100=2. 55 %
410,485,517
Internship Report on MCB 3 Babar Adeeb 74-SS-08
 39,406,831
Borrowing = ×100=9. 6%
410,485,517

292,098,066
Deposit & other Accounts = ×100=71 .16 %
410,485,517
479,232
Subordinated Loans = ×100=0 .12 %
410,485,517

1,180,162
Deffered Tax Liabilities = ×100=0 .29 %
410,485,517
11,722,493
Other Liabilities = ×100=2 .86 %
410,485,517
6,282,768
Share Capital = ×100=1.53%
410,485,517
34,000,638
Reserves = ×100=8 .28 %
410,485,517
5,130,750
Un-appropriated Profit = ×100=1 .25 %
410,485,517
9,705,519
Surplus = ×100=2. 36 %
410,485,517

Year 2008
39,631,172
Cash &Ballance Treasury Banks = ×100=8. 93 %
443,615,904
4,043,100
Ballance with others Banks = ×100=0. 91 %
443,615,904
4,100,079
Lending to Financial Instutions = ×100=0 .92 %
443,615,904
96,631,874
Investments = ×100=21. 7 %
443,615,904
262,135,470
Advances = ×100=59. 18 %
443,615,904
17,263,733
Opreating Fixed Assets = ×100=3 . 89 %
443,615,904

Internship Report on MCB 4 Babar Adeeb 74-SS-08

 19,810,476
Other Assets = ×100=4 . 47 %
443,615,904
10,551,468
Bill Payable = ×100=2. 38%
443,615,904
22,663,840
Borrowing = ×100=5. 11%
443,615,904
330,181,624
Deposit & Other Accounts = ×100=74 . 45 %
443,615,904
437,137
Deffered Tax Liabilities = ×100=0 .1 %
443,615,904
21,345,781
Other Liablities = ×100=4 . 79%
443,615,904
6,282,768
Share Capital = ×100=1 .42 %
443,615,904
36,768,765
Reserves = ×100=8 . 28 %
443,615,904
9,193,332
Un-appropriated Profit = ×100=2 . 07 %
443,615,904
6,191,189
Surplus = ×100=1.4 %
443,615,904

Year 2009
38,774,871
Cash &Ballance Treasury Banks = ×100=7 .62 %
509,223,727
6,009,993
Ballance with other Banks = ×100=1 .18 %
509,223,727
3,000,000
Lending to Financial Instutions = ×100=0 .59 %
509,223,727
167,134,465
Investments = ×100=32 . 82%
509,223,727

253,249,407
Advances = ×100=49 .73 %
509,223,727
Internship Report on MCB 5 Babar Adeeb 74-SS-08
 18,014,896
Opreating Fixed Assets = ×100=3 .54 %
509,223,727
23,040,095
Other Assets = ×100=4 .52 %
509,223,727
8,201,090
Bills Payable = ×100=1. 61 %
509,223,727

44,662,088
Borrwing = ×100=8. 77 %
509,223,727
367,604,711
Deposit & Others Accounts = ×100=72 .18 %
509,223,727
3,196,743
Deffered Tax Liabilities = ×100=0 .63%
509,223,727
15,819,082
Others Liabilities = ×100=3 . 11%
509,223,727
6,911,045
Share Capital = ×100=1. 36 %
509,223,727
38,385,760
Reserves = ×100=7 .54 %
509,223,727
15,779,127
Un-appropriated Profit = ×100=3 . 1%
509,223,727
8,664,081
Surplus = ×100=1.7 %
509,223,727

Vertical Analysis of Profit & Loss Account

Internship Report on MCB 6 Babar Adeeb 74-SS-08

 Supporting Calculation

Year 2005
Total Income = Mark Up Income + Non Mark Up Income
= 17,756,232 + 5,753,669
= 23,509,901
17,756,232
Mark up/ returned/ Intrest earned = ×100=75 . 53 %
23,509,901

2,781,468
Mark up/ returned/ Intrest Expensed = ×100=11.83%
23,509,901

14,974,764
Net Mark up/ returned/ Intrest Income = ×100=63 .7 %
23,509,901
1,144,355
Provisions & Written off = ×100=4 . 87 %
23,509,901
13,830,409
Net Mark up/ Intrest Income after provisions = ×100=58.83 %
23,509,901
5,753,669
Non Mark up/ Intrest Income = ×100=24 . 47 %
23,509,901
6,565,591
Non Mark up/ Intrest Expenses = ×100=27 . 93 %
23,509,901
13,018,487
Profit Before Taxaction = ×100=55 .37 %
23,509,901
4,096,072
Taxaction = ×100=17. 42 %
23,509,901
8,922,415
Profit after Taxaction = ×100=37 .95%
23,509,901

Year 2006

Internship Report on MCB 7 Babar Adeeb 74-SS-08

 Total Income = Mark Up Income + Non Mark Up Income
= 25,778,061 + 4,991,416
= 30,769,477
25,778,061
Mark up/ returned/ Intrest earned = ×100=83. 78 %
30,769,477

4,525,359
Mark up/ returned/ Intrest Expensed = ×100=14 . 71 %
30,769,477
21,252,702
Net Mark up/ returned/ Intrest Income = ×100=69 .07 %
30,769,477
1,182,737
Provisions & Written off = ×100=3. 84 %
30,769,477
20,069,965
Net Mark up/ Intrest Income after Provisions = ×100=65 .23 %
30,769,477
4,991,416
Non Mark up/ Intrest Income = ×100=16 .22 %
30,769,477
6,560,711
Non Mark up/ Intrest Expenses = ×100=21 .32 %
30,769,477
18,500,670
Profit Before Taxation = ×100=60 .13 %
30,769,477

6,358,272
Taxation = ×100=20. 66 %
30,769,477
12,142,398
Profit after Taxation = ×100=39. 46 %
30,769,477

Year 2007
Total Income = Mark Up Income + Non Mark Up Income
= 31,786,595 + 6,448,227
= 38,234,822
31,786,595
Mark up/ returned/ Intrest earned = ×100=83 . 14 %
38,234,822
7,865,533
Mark up/ returned/ Intrest Expensed = ×100=20. 57 %
38,234,822

23,921,062
Net Mark up/ returned/ Intrest Income = ×100=62. 57 %
38,234,822
3,065,051
Provisions & Written off = ×100=8 .02 %
38,234,822
Internship Report on MCB Babar Adeeb 74-SS-08
8
 20,856,011
Net Mark up/ Intrest Income after Provisions = ×100=54 .55 %
38,234,822
6,448,227
Non Mark up/ Intrest Income = ×100=16 . 86 %
38,234,822

5,996,203
Non Mark up/ Intrest Expenses = ×100=15 .68 %
38,234,822
21,308,035
Profit Before Taxation = ×100=55. 73 %
38,234,822
6,042,473
Taxation = ×100=15 . 8%
38,234,822
15,265,562
Profit after Taxation = ×100=39 . 93 %
38,234,822

Year 2008
Total Income = Mark Up Income + Non Mark Up Income
= 40,043,824 + 5,791,440
= 45,835,264
40,043,824
Mark up/ returned/ Intrest earned = ×100=87 .36 %
45,835,264
11,560,740
Mark up/ returned/ Intrest Expensed = ×100=25.22 %
45,835,264
28,483,084
Net Mark up/ returned/ Intrest Income = ×100=62. 14 %
45,835,264
4,019,121
Provisions & Written off = ×100=8 .77 %
45,835,264
24,463,963
Net Mark up/ Intrest Income after Provisions = ×100=53 . 37 %
45,835,264
5,791,440
Non Mark up/ Intrest Income = ×100=12 . 64 %
45,835,264

8,387,837
Non Mark up/ Intrest Expenses = ×100=18 .3 %
45,835,264
21,867,566
Profit Before Taxations = ×100=47 . 71%
45,835,264
Internship Report on MCB 9 Babar Adeeb 74-SS-08
 6,492,966
Taxations = ×100=14 .17 %
45,835,264
15,374,600
Profit after Taxations = ×100=33 .54 %
45,835,264
Year 2009
Total Income = Mark Up Income + Non Mark Up Income
= 51,616,007 + 5,642,885
= 57,258,892
51,616,007
Mark up/ returned/ Intrest earned = ×100=90. 14 %
57,258,892

15,841,463
Mark up/ returned/ Intrest Expensed = ×100=27 .67 %
57,258,892

35,774,544
Net Mark up/ returned/ Intrest Income = ×100=62.48 %
57,258,892

7,322,321
Provisions & Written off = ×100=12 .79 %
57,258,892
28,452,223
Net Mark up/ Intrest Income after Provisions = ×100=49 .69 %
57,258,892

5,642,885
Non Mark up/ Intrest Income = ×100=9.86 %
57,258,892
10,940,163
Non Mark up/ Intrest Expenses = ×100=19.11%
57,258,892
23,154,945
Profit Before Taxation = ×100=40 . 44 %
57,258,892
7,659,648
Taxation = ×100=13 . 38 %
57,258,892
15,495,297
Profit after Taxation = ×100=27 .06%
57,258,892

Horizontal Analysis of Balance Sheet

Supporting Calculation
Cash & Balance with Treasury Banks.
Internship Report on MCB 10 Babar Adeeb 74-SS-08
 32,465,976
Year 2005-06 = ×100=137. 19−100=37 . 19 %
23,665,549
39,683,883
Year 2006-07 = ×100=122. 23−100=22. 23 %
32,465,976
39,631,172
Year 2007-08 = ×100=99. 87−100=−0.13 %
39,683,883
38,774,871
Year 2008-09 = ×100=97 . 84−100=−2.16 %
39,631,172
38,774,871
Year 2005-09 = ×100=163 . 85−100=63 .85 %
23,665,549
Balance with other
Banks.
6,577,017
Year 2005-06 = ×100=448 .62−100=348 . 62%
1,466,045
3,807,519
Year 2006-07 = ×100=57 . 89−100=−42. 11%
6,577,017
4,043,100
Year 2007-08 = ×100=106 . 19−100=6 .19 %
3,807,519
6,009,993
Year 2008-09 = ×100=148 . 65−100=48 . 65 %
4,043,100
6,009,993
Year 2005-09 = ×100=409. 95−100=309 . 95 %
1,466,045
Lending to
Financial Institutions.
21,081,800
Year 2005-06 = ×100=210. 84−100=110.84 %
9,998,828
1,051,372
Year 2006-07 = ×100=4 . 99−100=−95 .01 %
21,081,800
4,100,079
Year 2007-08 = ×100=389 . 97−100=289 .97 %
1,051,372
3,000,000
Year 2008-09 = ×100=73 . 17−100=−26 . 83 %
4,100,079

3,000,000
Year 2005-09 = ×100=30−100=−70 %
9,998,828

Internship Report on MCB 11 Babar Adeeb 74-SS-08

 Investment – net
63,486,316
Year 2005-06 = ×100=91.37−100=−8. 63 %
69,481,487
113,089,261
Year 2006-07 = ×100=178. 13−100=78 .13 %
63,486,316
96,631,874
Year 2007-08 = ×100=85 .12−100=−14 . 88 %
113,089,261

167,134,465
Year 2008-09 = ×100=173 . 63−100=73. 63 %
96,631,874
167,134,465
Year 2005-09 = ×100=240 . 55−100=140. 55 %
69,481,487

Advances – net
198,239,155
Year 2005-06 = ×100=109 . 94−100=9. 94 %
180,322,753
218,960,598
Year 2006-07 = ×100=110 . 45−100=10 . 45 %
198,239,155
262,135,470
Year 2007-08 = ×100=119 .72−100=19 .72%
218,960,598
253,249,407
Year 2008-09 = ×100=96 . 61−100=−3 . 39 %
262,135,470
253,249,407
Year 2008-09 = ×100=140 . 44−100=40 . 44 %
180,322,753
Operating
Fixed Assets
9,054,156
Year 2005-06 = ×100=110. 65−100=10 . 65 %
8,182,454
16,024,123
Year 2006-07 = ×100=176 . 98−100=76 . 98 %
9,054,156
17,263,733
Year 2007-08 = ×100=107 . 74−100=7 . 74 %
16,024,123
18,014,896
Year 2008-09 = ×100=104 .35−100=4 .35 %
17,263,733
18,014,896
Year 2005-09 = ×100=220 . 16−100=220 .16 %
8,182,454
Deferred Tax Assets – net
Internship Report on MCB 12 Babar Adeeb 74-SS-08
 172,373
Year 2005-06 = ×100=87 . 07−100=−12 . 93 %
191,967
There is no amount for deferred tax assets in the next years, so for next years the
change will be zero.

Other Assets – net

11,031,450
Year 2005-06 = ×100=201. 61−100=101. 61 %
5,471,697
17,868,761
Year 2006-07 = ×100=161 . 98−100=61. 98 %
11,031,450
19,810,476
Year 2007-08 = ×100=110.87−100=10. 87 %
17,868,761
23,040,095
Year 2008-09 = ×100=116 .30−100=16 . 30 %
19,810,476
23,040,095
Year 2008-09 = ×100=421. 08−100=321 .08 %
5,471,697
Bill Payable
7,089,679
Year 2005-06 = ×100=83 . 05−100=−16 . 95 %
8,536,674
10,479,058
Year 2006-07 = ×100=147 . 71−100=47 . 71 %
7,089,679
10,551,468
Year 2007-08 = ×100=100 . 69−100=0 . 69 %
10,479,058
8,201,090
Year 2008-09 = ×100=77 . 72−100=−22 .28 %
10,551,468
8,201,090
Year 2005-09 = ×100=96 .07−100=−3 .93 %
8,536,674
Borrowings
23,943,476
Year 2005-06 = ×100=87 .46−100=−12 .54 %
27,377,502
39,406,831
Year 2006-07 = ×100=164 .58−100=64 .58 %
23,943,476

22,663,840
Year 2007-08 = ×100=57 . 51−100=−42 . 49 %
39,406,831

44,662,088
Year 2008-09 = ×100=197 .06−100=97 . 06 %
22,663,840
Internship Report on MCB 13 Babar Adeeb 74-SS-08
 44,662,088
Year 2005-09 = ×100=163. 13−100=63 . 13 %
27,377,502
Deposit & Other Accounts
257,461,838
Year 2005-06 = ×100=112. 26−100=12 .26 %
229,341,890
292,098,066
Year 2006-07 = ×100=113. 45−100=13 . 45 %
257,461,838
330,181,624
Year 2007-08 = ×100=113. 04−100=13 . 04 %
292,098,066
367,604,711
Year 2008-09 = ×100=111. 33−100=11.33 %
330,181,624
367,604,711
Year 2005-09 = ×100=160. 29−100=60 . 29 %
229,341,890
Sub – ordinated Loans
1,597,440
Year 2005-06 = ×100=99 . 96−100=−0. 04 %
1,598,080
479,232
Year 2006-07 = ×100=30−100=−70 %
1,597,440
There are no amounts for the next years for sub-ordinated loans. So change will be
zero for the next years.
Deferred Tax Liabilities
Year 2006-07 =100 %

437,137
Year 2007-08 = ×100=37 . 04−100=−62 . 96 %
1,180,162
3,196,743
Year 2008-09 = ×100=731 .29−100=631. 29 %
437,137
Others Liabilities
11,171,496
Year 2005-06 = ×100=136 .37−100=36 .37 %
8,192,338
11,722,493
Year 2006-07 = ×100=104 . 93−100=4 . 93 %
11,171,496

21,345,781
Year 2007-08 = ×100=182 . 09−100=82. 09 %
11,722,493
15,819,082
Year 2008-09 = ×100=74 . 11−100=25 . 89 %
Internship Report on MCB 21,345,781 Babar Adeeb 74-SS-08
14
 15,819,082
Year 2005-09 = ×100=193 .10−100=93 .10 %
8,192,338
Share Capital
5,463,276
Year 2005-06 = ×100=128 . 09−100=28. 09 %
4,265,327
6,282,768
Year 2006-07 = ×100=114. 96−100=14 . 96%
5,463,276
6,282,768
Year 2007-08 = ×100=100−100=0 %
6,282,768
6,911,045
Year 2008-09 = ×100=110−100=10 %
6,282,768
6,911,045
Year 2005-09 = ×100=162. 03−100=62 . 03 %
4,265,327
Reserves
24,662,426
Year 2005-06 = ×100=272. 36−100=172 .36 %
9,054,940
34,000,638
Year 2006-07 = ×100=137. 86−100=37. 86 %
24,662,426
36,768,765
Year 2007-08 = ×100=108 . 14−100=8 . 14 %
34,000,638
38,385,760
Year 2008-09 = ×100=104 . 40−100=4 . 40 %
36,768,765
38,385,760
Year 2005-09 = ×100=423. 92−100=323 . 92 %
9,054,940
Un-appropriated Profit
5,530,973
Year 2005-06 = ×100=110. 84−100=10 . 84 %
4,990,260
5,130,750
Year 2006-07 = ×100=92. 76−100=−7 . 24 %
5,530,973

9,193,332
Year 2007-08 = ×100=179 . 18−100=79 .18 %
5,130,750

15,779,127
Year 2008-09 = ×100=171 .64−100=71. 64 %
9,193,332
Internship Report on MCB 15 Babar Adeeb 74-SS-08
 15,779,127
Year 2005-09 = ×100=316 . 20−100=216 .20 %
4,990,260
Surplus on Revolution of Assets
5,187,639
Year 2005-06 = ×100=95. 65−100=−4 .35 %
5,423,769
9,705,519
Year 2006-07 = ×100=187 .09−100=87. 09 %
5,187,639

6,191,189
Year 2007-08 = ×100=63 .79−100=−36 . 21 %
9,705,519
8,664,081
Year 2008-09 = ×100=139 . 94−100=39 .94 %
6,191,189
8,664,081
Year 2005-09 = ×100=167 .01−100=67 .01 %
5,187,639

Horizontal Analysis of Profit & Loss Account

Supporting Calculation

Mark-up / return / interest earned

25,778,061
Year 2005-06 = ×100=145 . 18−100=45 . 18 %
Internship Report on MCB 17,756,232
16 Babar Adeeb 74-SS-08
 31,786,595
Year 2006-07 = ×100=123 . 31−100=23. 31 %
25,778,061
40,043,824
Year 2007-08 = ×100=125 . 98−100=25 . 98 %
31,786,595
51,616,007
Year 2008-09 = ×100=128 . 90−100=28 . 90 %
40,043,824
51,616,007
Year 2005-09 = ×100=290 . 69−100=190. 69 %
17,756,232
Mark-up / return / interest expensed
4,525,359
Year 2005-06 = ×100=162. 70−100=62 .70 %
2,781,468
7,865,533
Year 2006-07 = ×100=173 .81−100=73 . 81 %
4,525,359
11,560,740
Year 2007-08 = ×100=146 . 98−100=46 .98 %
7,865,533
15,841,463
Year 2008-09 = ×100=137 . 03−100=37 . 03 %
11,560,740
15,841,463
Year 2005-09 = ×100=569 .54−100=469 . 54 %
2,781,468
Net
21,252,702
Year 2005-06 = ×100=141. 92−100=41 . 92 %
14,974,764
mark-up / interest income

23,921,062
Year 2006-07 = ×100=112. 56−100=12 .56 %
21,252,702
28,483,084
Year 2007-08 = ×100=119. 07−100=19 .07 %
23,921,062
35,774,544
Year 2008-09 = ×100=125 .60−100=25 .60 %
28,483,084
35,774,544
Year 2005-09 = ×100=238 . 90−100=138 . 90 % Provisions, Bad debts and written off
14,974,764 1,182,737
Year 2005-06 = ×100=103. 35−100=3 . 35 %
1,144,355
3,065,051
Year 2006-07 = ×100=259. 15−100=159 .15 %
1,182,737

Internship Report on MCB 17 Babar Adeeb 74-SS-08

 4,019,121
Year 2007-08 = ×100=131. 13−100=31. 13 %
3,065,051
7,322,321
Year 2008-09 = ×100=182 .19−100=82. 19 %
4,019,121
7,322,321
Year 2005-09 = ×100=639 . 86−100=539 . 86 %
1,144,355
Net mark-up / interest income after provisions
20,069,965
Year 2005-06 = ×100=145 . 11−100=45. 11%
13,830,409
20,856,011
Year 2006-07 = ×100=103 . 92−100=3 . 92%
20,069,965
24,463,963
Year 2007-08 = ×100=117 .30−100=17 . 30 %
20,856,011
28,452,223
Year 2008-09 = ×100=116 .30−100=16 . 30 %
24,463,963
28,452,223
Year 2005-09 = ×100=205 . 72−100=105. 72 %
13,830,409
Non-mark-up / interest income

4,991,416
Year 2005-06 = ×100=86 . 75−100=−13 .25 %
5,753,669
6,448,227
Year 2006-07 = ×100=129 .19−100=29 . 19 %
4,991,416
5,791,440
Year 2007-08 = ×100=89 .81−100=−10 . 19 %
6,448,227
5,642,885
Year 2008-09 = ×100=95 . 41−100=−4 . 59 %
5,791,440
5,642,885
Year 2005-09 = ×100=98 . 07−100=−1 . 93 %
5,753,669
Non-
mark-up / interest expenses
6,560,711
Year 2005-06 = ×100=99. 93−100=−0. 07 %
6,565,591
5,996,203
Year 2006-07 = ×100=91. 40−100=−8. 60 %
6,560,711
8,387,837
Year 2007-08 = ×100=139. 89−100=39 . 89 %
5,996,203
10,940,163
Year 2008-09 = ×100=130 .43−100=30 . 43 %
8,387,837

Internship Report on MCB 18 Babar Adeeb 74-SS-08

 Profit before Taxation

10,940,163
Year 2005-09 = 23,154,945 ×100=166 . 63−100=66 . 63 %
Year 2008-09 =6,565,591 ×100=105 . 89−100=5 .89 %
21,867,566
23,154,945
21,867,566
Year 2005-06
Year
Year 2007-08 ==18,500,670 ×100=142.
2005-09 = . 86−100=77
63−100=2
×100=17711−100=42
×100=102. .63 . 86
. 11%%%
13,018,487
21,308,035
13,018,487
21,308,035
Year 2006-07 =12,142,398 ×100=115 .17−100=15 . 17 %
Year 2005-06 = 18,500,670×100=136 . 09−100=36 . 09 %
8,922,415
Profit after Taxation

15,265,562
Year 2006-07 = ×100=125 . 72−100=25. 72 %
12,142,398
15,495,297 15,374,600
Year 2005-09 = Year 2007-08
×100=173 .67−100=73 .67=%15,265,562 ×100=100 . 71−100=0 .71 %
8,922,415
15,495,297
Year 2008-09 = ×100=100 .79−100=0 .79 %
15,374,600

Ratio Analysis
Supporting Calculation
Current Assets
Current Ratio =
Current Liabilities
Current Assets: Cash & Balance with Treasury banks + Balances with other banks +
Lending to Financial Institutions + Investment + Advances
Current Liabilities: Bill Payable + Borrowing + Deposit & other Accounts +
Subordinated Loans + Liabilities against assets subject to financial lease

284,934,662
Year 2005 = =1. 07
266,854,146
321,850,264
Year 2006 = =1 .11
290,092,433
376,592,633
Year 2007 = =1. 10
342,463,187
406,541,695
Year 2008 = =1 .12
363,396,932 19
Internship Report on MCB Babar Adeeb 74-SS-08
 468,168,736
Year 2009 = =1 .11
420,467,889
Cash & Cash Equivalent
Cash Ratio =
Current Liabilities
23,665,549
Year 2005 = =0 . 09
266,854,146
32,465,976
Year 2006 = =0 .11
290,092,433
39,683,883
Year 2007 = =0 .12
342,463,187
39,631,172
Year 2008 = =0. 11
363,396,932
38,774,871
Year 2009 = =0 . 09
420,467,889
EBIT
Time Interest Earned Ratio =
Interest Expenses
17,756,232
Year 2005 = =6. 38
2,781,468
25,778,061
Year 2006 = =5 . 70
4,525,359

31,786,595
Year 2007 = =4 . 04
7,865,533
40,043,824
Year 2008 = =3. 46
11,560,740
51,616,007
Year 2009 = =3 . 26
15,841,463
Total Liabilities
Debt Ratio =
Total Assets
275,046,484
Year 2005 = =0 . 92
298,780,780
301,263,929
Year 2006 = =0 .88
342,108,243
355,365,842
Year 2007 = =0 . 87
410,485,517
385,179,850
Year 2008 = =0. 87
443,615,904
439,483,714
Year 2009 = =0 . 86
509,223,727
Internship Report on MCB 20 Babar Adeeb 74-SS-08
Working Capital= Current Assets – Current Liabilities
Year 2005= 284,934,662 – 266,854,146 = 18,080,516
Year 2006= 321,850,264 – 290,092,433 = 31,757,831
Year 2007= 376,592,633 – 342,463,187 = 34,129,146
Year 2008= 406,541,695 – 363,396,932 = 43,144,763
Year 2009= 468,168,736 – 420,467,889 = 47,700,847

Net Profit
Return on Equity = ×100
Average Share Holder Equity
8,922,415
Year 2005 = ×100=48 .73 %
18,310,527
12,142,398
Year 2006 = ×100=45 %
26,983,601
Avg. Equity 2006= 18,310,527 + 35,656,675/2 = 26,983,601
15,265,562
Year 2007 = ×100=37 . 66 %
40,535,415. 5
Avg. Equity 2007= 35,656,675 + 45,414,156/2 = 40,535,415.50
15,374,600
Year 2008 = ×100=31 . 49%
48,829,510.5
Avg. Equity 2008= 45,414,156 + 52,244,865/2 = 48,829,510.50

15,495,297
Year 2009 = ×100=37 .35 %
56,660,398 .5
Avg. Equity 2009=
52,244,865 + 61,075,932 /2 = 56,660,398.50

Net Profit
Return on Assets = ×100
Average Total Assets
8,922,415
Year 2005 = ×100=2 . 99 %
298,780,780
12,142,398
Year 2006 = ×100=3 .79 %
320,444,511.5 Avg. Assets 2006=

15,265,562
Year 2007 = ×100=4 . 06 %
376,296,880
298,780,780 + 342,108,243 /2 = 320,444,511.50

Avg. Assets 2007= 342,108,243 + 410,485,517 /2 = 376,296,880

Internship Report on MCB 15,374,600
21 Babar Adeeb 74-SS-08
Year 2008 = ×100=3 . 60 %
427,050,710. 5
Avg. Assets 2008= 410,485,517 + 443,615,904/2 = 427,050,710.50

15,495,297
Year 2009 = ×100=3 .25 %
476,419,815. 5
Avg. Assets 2009= 443,615,904 + 509,223,727/2 = 476,419,815.50

Net Profit
Return on Depost = ×100
Deposits & Other Accounts
8,922,415
Year 2005 = ×100=3 . 89
229,341,890
12,142,398
Year 2006 = ×100=4 .72
257,461,838
\
15,265,562
Year 2007 = ×100=5 . 23
292,098,066
15,374,600
Year 2008 = ×100=4 . 66
330,181,624
15,495,297
Year 2009 = ×100=4 . 22
367,604,711

Cash & Cash Equivalent

Cash to Depost Ratio =
Deposits & Other Accounts
23,665,549
Year 2005 = =0 .103
229,341,890
32,465,976
Year 2006 = =0 .126
257,461,838
39,683,883
Year 2007 = =0 .136
292,098,066
39,631,172
Year 2008 = =0 . 120
330,181,624
38,774,871
Year 2009 = =0 .105
367,604,711
Intrest Expneses
Intrest Expense to total Expense Ratio =
Total Expenses
2,781,468
Year 2005 = =0 . 298
9,347,059
4,525,359
Year 2006 = =0 . 408
Internship Report on MCB 22 11,086,070
Babar Adeeb 74-SS-08
 7,865,533
Year 2007 = =0 .567
13,861,736
11,560,740
Year 2008 = =0 .580
19,948,577
15,841,463
Year 2009 = =0. 592
26,781,626
Intrest Income
Intrest Income to total Income Ratio =
Total Income
17,756,232
Year 2005 = =0. 755
23,509,901
25,778,061
Year 2006 = =0 . 838
30,769,477
31,786,595
Year 2007 = =0. 831
38,234,822
40,043,824
Year 2008 = =0. 874
45,835,264

51,616,007
Year 2009 = =0. 901
57,258,892

Net Profit
Net Profit Margin = ×100
Total Revenue/Income
8,922,415
Year 2005 = ×100=37 . 95 %
23,509,901
12,142,398
Year 2006 = ×100=39 . 46 %
30,769,477
15,265,562
Year 2007 = ×100=39 . 93 %
38,234,822

15,374,600
Year 2008 = ×100=33 .54 %
45,835,264
15,495,297
Year 2009 = ×100=27 . 06 %
57,258,892

Internship Report on MCB 23 Babar Adeeb 74-SS-08