Financial Highlights Dec 2015

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FINANCIALHIGHLIGHTSDECEMBER 31, 2015



AssetsRs. 1,706

bn

Capital Adequacy17.6%

Advances &Investments

*Rs. 1,57

bn*Gross

!ep"sitsRs. 1,#1

bn

18% 1%

11% 16%

Key Perfr!"#$e I#&$"'r(



$eta'$"(t

Rs. .) bn

Ateta'

R"+17%

Ateta'R"A 1.)%

Ateta'$"(t

Rs. 1.) bn

51%)

28%

20% 1*%


)H&+e(' -- PBT Gr.' "!#+ '/ 5B"#(



+anin-spe /aeRs. .0

!ividend

$ay"utRati")%*

"tal

!ividend$ay"utRs. 15. bn

!ividendpe /aeRs. 7.50

28%

36%

36%


%

*after statutory reservesallocation.



2015 2014 Gr.' II 5,7)1 #5,20# 7,17 17%

3I 0,5 )6,2)5 ,510 1%

+'c/an-e inc"me #,6#2 ,55) 1,06 1%

4peatin- inc"me 22,70# 76,121 1),5) 16%

ta c"sts )2,##5 )2,)0# )#1 1%

4t/e c"sts 15,))) 1#,2 ) )%

"tal c"sts #,667 #,10 56# 1%

$"(t be"e p"visi"ns #5,07 ,072 11,5 6%

$"visi"ns 11,2)1 11,077 7## 7% $eta' p"(t ,)16 )),001 11,)15 51%

a' 1,7 6,7 7,0)# 101%

Ateta' p"(t 1,)1 15,0)2 #,11 )2%

S!!"ry f F&#"#$&" Perfr!"#$e

Rs. inmilli"n



ASSETS

2015 2014 7"r&"#$e

Cas/ and balances 8it/ teasuy ban9s 150,00 7,71 5#%

:alances 8it/ "t/e ban9s )0,1)2 1),102 66%;endin- t" (nancial instituti"ns 10,6 111,72 0%

Investments net 2)6,0) 561,76# #7%

Advances net 577,2 6)6,70# 2%

4peatin- 3i'ed assets 1,6 1,76 0%

!eeed ta' assets net ,66 ,277 )%4t/e assets 72,25 1,0#5 1%

T'" A((e'(

1,06,362 1,543,054 11%

LIABILITES

:ills payable ,17) 11,01) 17%

:""8in-s )1,11 7,5#1 #)%

!ep"sits and "t/e acc"unts

1,#1,07 1,),5)5 16%;iabilities a-ainst assets sub<ect t" 3inance

;ease 6 1 121%

4t/e liabilities 75,2552),6

2%

T'" L&"&&'&e(

1,538,010 1,364,25 13%

NET ASSETS 168,351 18,32*

/ae capital )1,)75 )1,)75 0%

Reseves #5,521 ),07# #)%

=napp"piated p"(t #,156 57,00 1#%

S'"'e!e#' f F&#"#$&" P(&'&#

Rs. inmilli"n



Key F&#"#$&" R"'&( 2011 2012 2013 2014 2015

Advance >"ss t" !ep"sits6.0

%70.#0

%6#.0

%5.00

%#2.0

%

C"st t" Inc"me#5.70

%5).00

%56.0

%5#.70

%#7.60

%

+anin- Assets t" "tal Assets1.)0

%1.0

%0.0

%1.#0

%).0

%

Investment t" !ep"sits

#.50

%

.10

%

6.10

%

#5.50

%

57.70

%

$; C"vea-e76.#0

%2).00

%20.10

%2.0

%2.0

% et "n$e"min- ;"ans #.70% .00% #.)0% .60% ).0% Retun "n Avea-e Assets R4A 1.60% 1.)0% 0.#0% 1.10% 1.)0%

$eta' Retun "n Avea-e +quity)#.0

%

1.0

%6.0%

)0.20

%

).0

% Ateta' Retun "n Avea-e +quityR4+

16.#0%

1.0%

5.#0%1#.0

%17.00

%

Retun "n Capital +mpl"yed R4C+15.0

%1#.0

%5.50%

1.60%

16.60%

:ea9 =p ?alue $e /ae 6).5 65.2 7.#6 2.2) 7.1

5 -e"r( S!!"ry f Perfr!"#$eI#&$"'r(



KPI 2015 2014 2013C!"'&

<eGr.'

"tal Assets 1,706,61 1,5#,05#1,6#,)

6)5%

!ep"sits 1,#1,07 1,),5)51,101,1

20%

$eta' $"(t ,)16 )),001 7,072 62%

3 -e"r( Gr.' 2013=2015

Rs. inmilli"n



2014 2015 =

10,000

20,000

30,000

40,000

50,000

60,000

0,000

80,000

*0,000

100,000

#5,20#5,7)1

0,77

#,2

N# &#'ere('&#$!e

Ne' M"r/ >

I#'ere(' &#$!e

88,04

6,181

Re<e#e C!/(&'&# 2014 < 2015

:R( &#!&&#;



N# !"r=/ > &#'ere(' &#$!e 2014 < 2015

30,3

34,*83

2014 2015 =

5,000

10,000

15,000

20,00025,000

30,000

35,000

40,000

1),15 1),5

),125 ,)60,551

#,6#2

2,77

1),5#,7

),027

4t/e

Inc"me "m dealin- in3C

Capital >ains

!ividend

3ee, C"mm, :"9ea-e

Rs. inmilli"n



F-14 F-15 =

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

)2,)0# )2,#)5

Se$r&'y

Ser<&$e(

Pre!&(e(

SBP

Pe#"'&e(

1,#

#1,70

A!&#&('r"'&<e E?/e#(e( 2014 <2015

#),1

1,762

Rs. in!&&#



D&<&e# P"y' H&('ry = PeerC!/"r&(#

2011 2012 2013 2014 2015

NBP

!ividend$aid

1),61# 1),50 #,)55 11,701 15,56

$ay"ut Rati" 7)% 2% 77% 72% 2%

MCB

!ividend$aid

10,05 11,52 1#,166 15,2)0 17,202

$ay"ut Rati" 5)% 57% 7% 6#% 70%

@BL

!ividend$aid

,121 10,#06 1),)#) 1#,072 15,1#

$ay"ut Rati" 5% 52% 66% 6#% 6)%

HBL

!ividend

$aid2,651 ,0) 10,662 17,6#6 )0,56

$ay"ut Rati" 5% #1% 5#% 57% 52%

Rs. inmilli"n



Pr$'( >F#$'&#(

2014

PKRB&&#

2015

PKRB&&#

C"p"ate 1.2 1#.6

Retail ;"an * 1.7 1)6.5

4veseas 6#.1 60.#

A-icultue 56.1 50.5C"mm"dity 57.6 #2.

C"mmecial ).1 11.

AssetRec"vey

. #0.7

@+ 6.0 1.7$@:; .1 6.

Islamic 0.7 0.2

Gr(( A<"#$e(

281 6*1

A<"#$e( Pr'f&

* Retail loans include “Advance Salary”, “Saibaan” , “Gold Loans”

& “Sta Loans”.13



$"ducts B3uncti"ns

)01#$R :illi"n

)015$R :illi"n

Cuent ##.0 22.6

$; avin- )0. 50.

em !ep"sits ))).2 )75.

I!A 1#6.# 16.7

3C !ep"sits 1. 7#.

Islamic :an9in- ).5 1).7

4veseas 106.) 152.

T'" De/(&'( 1,2335 1,4310

CASA R"'&) 65% 68%

De/(&'( Pr'f&

* Domestic ranc!es

14



15

5#%

))%

%

7%

5%%

C"p"ate Retail @+ ;"ans

A-icultue C"mm"dity 4veseas

)5%

)2%)1%

1%

5%1%

2%

Cuent $; avin-

em !ep"sits I!A

"tal. 3C !ep"sits Islamic :an9in-

4veseas

A<"#$e( De/(&'(

A<"#$e( De/(&'( By Ty/e



16

Individuals; 18%

Energy; 18% Transportation; 9%

Textile; 9%

Metals; 8%

Agriculture; 7%

o!!odity; 7%

"eneral Trade; #% $ugar; %Fer'&&CerD 2%R&$e /r$e((&#+D 2%&eal Estate; 1%

't(ers; 11%

C"'e+ry R( !&&#

Individuals1)7,)75

+ne-y1)5,026

ansp"tati"n 6,521

e'tile6),00#

@etals55,6#5

A-icultue50,6#7

C"mm"dity#2,15

>enealade )5,#57

u-a)1,62

3etiliDe15,0

Ricep"cessin- 1,212

Real +state2,#1

4t/es7,#)7

T'"

6*1,622

A<"#$e( Se$'r" C#$e#'r"'&#



C"'e+ry

R(

!&&# e'tile 1,2)#

@etals 12,1

>eneal ade 10,#)0

Individuals 6,751

+ne-y 6,511

A-icultue 5,)26E"tel &

evices #,)6#C/emical &

$/ama #,175

u-a #,06#

+lect"nics #,011

ans B a"ba ,26

Rice $"c. ,510

4t/es )#,))

T'" 12,350

17

Textile; )5%

Metals; 1#%

Ge#er" Tr"e 8%

I#&<&"( 5%

E#er+y 5%

A+r&$'re 4%

H'e Ser<&$e( 3%Ce!&$" P"r!" 3%

S+"r 3%

Ee$'r#&$( 3%

Tr"#( > K"r"r 3%R&$e Pr$ 3%

't(ers; 19%

Chart Title

NPL Se$'r" C#$e#'r"'&#



18

C"'e+ry R(

!&&#

Individuals #1,575

@etals ,610

E"tel &evices

165,700

+ne-y 100,722

Aut" & ans. 5,15

>eneal ade #),57

A-icultue ,5)#

Real +state 6,600

3inancial )0#,617

elec"m 71,610

e'tile ,

3etiliDe ),666

4t/es ),517

T'"1,431,03

6%

1%2%

#*%

)%

)% 1%2%1% %

1%1%

1%

E#er+y I#&<&"( Ce!e#'

'er( F&#"#$&" Ce! P"r!"

A' Tr"#( Te?'&e Tee$!

Tr"#(/r'"'&# Fer'&&er H'e Ser

De/(&'( Se$'r" C#$e#'r"'&#

Financial Highlights Dec 2015

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