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SAMBA BANK BALANCE SHEET
A Finances 2013 2012
Loans, Cash Credits and Running Finances 14,578,406 14,864,882
Net Investment in Finance Lease 393,930 397,759
Bills discounted 426,156 128,804
Total Advances 15,398,492 15,391,444
TFCs/PTCs/CPs/Pref.Shares - Net - -Total Finances: 15,398,492 15,391,444
B Other Earning Assets:
Deposits with Banks 98,269 2,289,653
Lending to Financial Institutions 490,420 2,777,162
Investments
Government Securities 23,884,213 8,758,855
Equity Investments 136,013 136,102
24,020,226 8,894,957
Other Earning Assets 24,608,915 13,961,772
C Total Earning Assets (A+B) 40,007,407 29,353,216
D Fixed Assets 843,744 832,375
E Non-Earning Assets
Cash and Bank Balances 1,963,120 2,052,832
Deferred Tax 1,479,553 1,409,372
Others 1,237,962 1,152,710
Net Non-Performing Advances
Non-performing Advances 2,384,630 2,451,481
Less:
Accumulated Provision (Prudential/Specific) 2,330,923 2,393,465
Accumulated Provision (General) 4,263 4,694
2,335,186 2,398,159
49,444 53,322
Non-Earning Assets 4,730,079 4,668,236
F TOTAL ASSETS 45,581,230 34,853,827
G Customer Deposits
Demand 5,903,977 5,503,151
Savings 6,935,491 6,346,273
Time 8,354,722 10,904,220
Deposits 21,194,190 22,753,644
H Borrowings:
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SBP Export Refinance 2,294,431 2,477,466
Financial Institutions 10,226,379 -
Sun-ordinated Loan - TFCs/Sponsors - -
Borrowings 12,520,810 2,477,466
I Other Liabilities (non-interest bearing)
Deferred Tax liability - -
Dividend Payable - -Bills Payable 865,175 250,709
Others 900,766 856,135
Other Non-Interest Bearing Liabilities 1,765,941 1,106,844
J EQUITY
Share Capital 14,334,734 14,334,734
Reserves:
Statutory Reserve 138,098 129,626
Capital Reserve 20,935 20,935
Contingency Reserve - -Reserve for Bonus Shares 1,613,502 -
Revenue Reserve - -
Un-appropriated Profit (5,977,753) (6,011,639)
Equity 10,129,516 8,473,656
K Surplus/Deficit on Revaluation
Revaluation of Investments (29,227) 42,227
Revaluation of Fixed Assets - -
Surplus/Deficit on Revaluation (29,227) 42,227
L Total Liabilities and Equity 45,581,230 34,853,837
M Contingent Liabilities
Trade Related 5,328,524 4,712,774
Guarantees 2,400,443 2,301,167
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2,436,445 1,176,270
1,559,587 5,358,724
-
3,996,032 6,534,994
- -
- -529,005 115,759
954,371 1,062,883
1,483,376 1,178,642
14,334,734 14,334,734
69,448 22,145
20,935 20,935
- -- -
- -
(6,252,347) (6,441,559)
8,172,770 7,936,255
9,497 (10,577)
- -
9,497 (10,577)
31,330,972 30,511,120
4,171,259 184,583
447,096 216,918
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c. Income for dealing in Foreign Currencies 15,827
d. (Loss)/Gain on Sale of Investments (1,166)
e. Others 192
39,901
TOTAL NET REVENUE 372,951
Other Income/ (Loss) 1,998
374,949
NON INTEREST/ MARK UP EXPENSES
a. Personnel Expenses 377,586
b. Other Non-Interest Mark up Expenses -
377,586
PRE-PROVISION OPERATING PROFIT (2,638)
PROVISIONS
a. Provision for Loan Losses/ Write offs
i. Specific Provision (15,366)ii. General Provision -
iii. Bad Debts directly written off 383
b. Provision for Diminution in Investments -
Total (14,982)
Pre Tax Profit 12,345
Taxes (1,775)
NET INCOME 14,119
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2011 2010
17,697,032 14,160,908
471,753 491,583
206,120 94,830
175,362 46,608
30,758 48,222
18,374,905 14,747,321
2,619,410 2,711,299
2,522,777 2,603,487
67,250 90,378
29,383 17,435
8,807,473 10,640,319
816,632 432,178- 10,000
9,624,105 11,082,497
248,555 254,608
9,872,660 11,337,105
97.48% 97.75%
2.52% 2.25%
234,676 240,729
15,629 15,471
228,768 235,323
15,236 15,124
5,908 5,406
393 347
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SAMBA BANK INCOME STATEMENT
Rs '000 Rs '000 Rs'000
2013 2012 2,011
1 Interest/Mark up Earned 2,355,700 3,054,034 3,352,186
2 Interest/Mark up Expensed 1,356,550 1,721,825 1,943,845
3 NET INTEREST/MARK UP REVENUE (NIMR) 999,150 1,332,209 1,408,341
4 Other Operating Income
a. Fees, Commission, Brokerage 72,876 73,851 63,726
b. Dividend Income 2,268 1,379 2,453
c. Income for dealing in Foreign Currencies 47,480 38,235 18,749
d. (Loss)/Gain on Sale of Investments (3,499) 37,023 20,114
e. Others 577 9 0
119,702 150,497 105,042
5 TOTAL NET REVENUE 1,118,852 1,482,706 1,513,383
6 Other Income/ (Loss) 5,994 4,008 47,355
1,124,846 1,486,714 1,560,738
7 NON INTEREST/ MARK UP EXPENSES
a. Personnel Expenses 1,132,759 1,458,244 1,397,432
b. Other Non-Interest Mark up Expenses - 1,146 37
1,132,759 1,459,390 1,397,469
8 PRE-PROVISION OPERATING PROFIT (7,913) 27,324 163,269
9 PROVISIONS
a. Provision for Loan Losses/ Write offs
i. Specific Provision (46,097) (79,901) (27,966)
ii. General Provision (6,706) (16,701)
iii. Bad Debts directly written off 1,150 (50,103) 7,042
b. Provision for Diminution in Investments - - 0
Total (44,947) (136,710) (37,625)
10 Pre Tax Profit 37,034 164,034 200,894
11 Taxes (5,324) (136,852) (35,621)
12 NET INCOME 42,358 300,886 236,515
13 Unappropriated Profit/(Loss) Bought Forward (6,011,639) (6,252,347) (6,441,559)
14 Adjustments - -
15 Appropriations
a. Statutory Reserve (8,472) (60,178) (47,303)
b. Capital Reserve - - -
c. Revenue Reserve - - -
d. Contigency Reserve - - -
e. Reserve for Bonus Shares (1,613,502) -
f. Dividend - - -
Total (1,621,974) (60,178) (47,303)
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16 Unappropriated Profit/(Loss) Carried Forward (5,977,753) (6,011,639) (6,252,347)
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Rs'000
2,010 Projected 2013
2,384,653 2,405,473 -21%
1,350,320 1,399,360 -19%
1,034,333 1,006,113
73,829 97,168
22,492 3,024
58,960 63,307
21,952 (4,665)
0 769
177,233 159,603
1,211,566 1,491,803
144,010 7,992
1,355,576 1,499,795
1,456,873 1,510,345
5,434 -
1,462,307 1,510,345
(106,731) (10,551)
56,424 -61,463
(47,131) 0
2,478 1,533
11,794 0
23,565 -59,929
(130,296) 49,379
(10,702) (7,099)
(119,594) 56,477
(3,929,320)
-
-
-
-
-
(2,189,440)
-
(2,189,440)
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(6,238,354)
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SAMBA BANK RATIO ANALYSIS
2013
A PERFORMANCE
1. ROE 0.56%
2. ROA 0.12%
3. Pre-Provision Operating Profit/Avg. Equity -0.10%
4. Pre- Provision Operating Profit/Avg Assets -0.02%5. Personnel Expenses/Total Net Revenue 101.24%
6. Cost to Total Net Revenue 101.24%
7. Other Operating Income/ Total Net Revenue 10.70%
8. Taxes/Pre tax Profit -14.38%
9. Net Non Earning Assets/ Assets net of Non- Interest Liabilities
B CAPITAL ADEQUACY
1. Equity/ Total Assets 22.22%
2. Adjusted Equity (including revaluation impact)/ Total Assets 22.16%
3. Revaluation Surplus (Deficit)/ Adjusted Equity -0.29%
4. Capital Adequacy Ratio as per SBP 53.80%
C LIQUIDITY
1. Liquid Assets/Deposits and Borrowings 78.81%
2. Finances/ Deposits and Borrowings 45.67%
3. Finances/Deposits 72.65%
4. Demand Deposits/Total Deposits 27.86%
5. Export Refinance/ Advances 14.90%
6. Finances (net of Export Refinance)/ Deposits 61.83%
7. Government Securities/Total Assets 52.40%
8. Finances/Total Assets 33.78%
9. Lending to Financial Institutions/Borrwowings from Fis 4.80%
D LOAN LOSS COVERAGE
1. Impaired Lending/Gross Finances 11.82%
2. Loan Loss provisions/Impaired Lending 97.93%
3. Net Impaired Lending/Equity 0.488%
4. Net Impaired Lending/Adjusted Equity 0.490%
E INTERMEDIATION EFFICIENCY
1. NIMR (Net Interest/Mark-up Revenue)/Avg. Assets 2.50%
2. Asset Yield [Interest Earned/Average (Earning Assets - Equity Inv) 6.03%
3. Cost of Funds [Interest expensed/Average (Deposits+Borrowings) 5.03%
4. Spread 1.00%
GROWTH
F Total Assets 30.78%
Gross Finances -0.34%
Impaired Lending -2.73%
Investments 170.04%
Customer Deposits -6.85%
Equity 19.54%
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G OTHERS
1. No. of branches 28
2. Staff Strength
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2012 2011 2010
3.55% 2.89% -1.51%
0.86% 0.75% -0.39%
0.32% 2.00% -1.34%
0.08% 0.52% -0.35%98.35% 92.34% 120.25%
98.43% 92.34% 120.70%
10.15% 6.94% 14.63%
-83.43% -17.73% 8.21%
24.31% 26.09% 26.01%
24.43% 26.12% 25.98%
0.50% 0.12% -0.13%
43.92% 43.41% 52.61%
63.47% 55.29% 69.68% 78.81%
61.00% 72.77% 56.27%
67.64% 89.23% 81.00%
24.19% 24.88% 29.15%
16.10% 15.46% 9.77%
56.76% 75.44% 73.09%
25.13% 30.04% 35.50%
44.16% 50.32% 39.48%
#DIV/0! 51.52% 25.92%
12.08% 12.48% 15.53%
97.82% 97.10% 96.25%
0.629% 0.928% 1.282%
0.626% 0.927% 1.284%
4.03% 4.55% 6.78%
10.45% 12.87% 9.37%
8.73% 11.26% 7.91%
1.73% 1.62% 1.46%
11.24% 2.69% #DIV/0!
-2.95% 24.58% #DIV/0!
-6.41% -3.39% #DIV/0!
-7.86% -12.88% #DIV/0!
28.78% 18.81% #DIV/0!
3.68% 2.98% #DIV/0!
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28 28 28
732 760 810
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SAMBA BANK BALANCE SHEET
2013 2012
A Finances
Loans, Cash Credits and Running Finances -1.93% -2.04%
Net Investment in Finance Lease -0.96% -1.67%
Bills discounted 230.86% -27.12%
Total Advances 0.05% -2.31%TFCs/PTCs/CPs/Pref.Shares - Net
Total Finances: 0.05% -2.37%
B Other Earning Assets:
Deposits with Banks -95.71% 3755.67%
Lending to Financial Institutions -82.34% 245.65%
Investments
Government Securities 172.69% -6.93%
Equity Investments -0.07% -44.00%
Other Earning Assets 76.26% 32.76%
C Total Earning Assets (A+B) 36.30% 11.69%
D Fixed Assets 1.37% -7.88%
E Non-Earning Assets
Cash and Bank Balances -4.37% 40.29%Deferred Tax 4.98% -1.86%
Others 7.40% -1.49%
Net Non-Performing Advances
Non-performing Advances -2.73% -6.41%
Less:
Accumulated Provision (Prudential/Specific) -2.61% -5.48%
Accumulated Provision (General) -9.18% -58.82%
Non-Earning Assets 1.32% 12.61%
F TOTAL ASSETS 30.78% 11.24%
G Customer Deposits
Demand 7.28% 25.18%
Savings 9.28% 32.50%
Time -23.38% 28.53%
Deposits -6.85% 28.78%
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H Borrowings:
SBP Export Refinance 405.39% -38.00%
Financial Institutions
Sun-ordinated Loan - TFCs/Sponsors
Borrowings 405.39% -38.00%
I Other Liabilities (non-interest bearing)Deferred Tax liability
Dividend Payable
Bills Payable 245.09% -52.61%
Others 5.21% -10.29%
Other Non-Interest Bearing Liabilities 59.55% -25.38%
J EQUITY
Share Capital 0 0
Reserves:
Statutory Reserve 6.54% 86.65%
Capital Reserve 0 0
Contingency Reserve
Reserve for Bonus Shares
Revenue Reserve
Un-appropriated Profit -0.56% -3.85%
Equity
K Surplus/Deficit on Revaluation
Revaluation of Investments -169.21% 344.64%
Revaluation of Fixed AssetsSurplus/Deficit on Revaluation -169.21% 344.64%
L Total Liabilities and Equity 30.78% 11.24%
M Contingent Liabilities
Trade Related 13.07% 12.98%
Guarantees 4.31% 414.69%
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Composition as of assets
2011 2013 2012 2011 2010
31.29% 31.98% 42.65% 48.43% 37.88%
0.82% 0.86% 1.14% 1.29% 1.31%
128.36% 0.93% 0.37% 0.56% 0.25%
30.90% 33.78% 44.16% 50.29% 39.45%0.03% 0.03%
30.88% 33.78% 44.16% 50.32% 39.48%
-95.03% 0.22% 6.57% 0.19% 3.92%
-42.16% 1.08% 7.97% 2.56% 4.55%
-13.12% 52.40% 25.13% 30.04% 35.50%
-2.34% 0.30% 0.39% 0.78% 0.82%
-23.05% 53.99% 40.06% 33.57% 44.79%
2.22% 87.77% 84.22% 83.88% 84.27%
-9.77% 1.85% 2.39% 2.88% 3.28%
17.06% 4.31% 5.89% 4.67% 4.10%-10.32% 3.25% 4.04% 4.58% 5.25%
38.55% 2.72% 3.31% 3.73% 2.77%
-3.39% 5.23% 7.03% 8.36% 8.89%
-1.91% 5.11% 6.87% 8.08% 8.46%
-59.43% 0.01% 0.01% 0.04% 0.09%
0.11% 0.15% 0.24% 0.33%
9.15% 10.38% 13.39% 13.23% 12.45%
2.69% 100.00% 100.00% 100.00% 100.00%
1.40%
13.55%
34.27%
18.81%
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-38.85%
-38.85%
356.99%
-10.21%
25.85%
0
213.61%
0
-2.94%
-189.79%
-189.79%
2.69%
2159.83%
106.11%
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Ratios
ROE (NI-Capital gain/equity) ALL INVESTMENT INCOME
Interest Revenue/ finances+deposits with banks+FI lending+govt securities
Interest Expense/Interest Bearing liabilities
Spread
Other Operating Income-Fee, Commission, Brokerage/Investment-govt securities
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2013 2012 2011 2010
-0.06% 2.65% 2.39% -2.81%
6.03% 10.45% 12.87% 9.37%
5.03% 8.73% 11.26% 7.91%
1.00% 1.73% 1.62% 1.46%
45.90% 56.32% 17.00% 41.55%
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2013 2012 2011 2010
Risk weighted assets:
Credit risk: 15,219,281 12,255,938
Market Risk: 1,337,493 1,021,625
Operational risk: 2,273,519 1,813,125
TOTAL 18,830,293 15,090,688
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