Annexure I - Balance Sheet and Profit & Loss Statement of Banks. Dec-12
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1 Annexures Annexure I - Balance Sheet and Profit & Loss Statement of Banks BALANCE SHEET PKR million ASSETS Cash & Balances With Treasury Banks 805, , , ,429 1,184,521 Balances With Other Banks 191, , , , ,394 Lending To Financial Institutions 169, , , , ,695 Investments - Net 4,009,213 4,305,484 5,309,630 6,880,765 7,509,164 Advances - Net 3,760,289 4,046,587 4,447,300 4,815,827 5,498,813 Operating Fixed Assets 247, , , , ,376 Deferred Tax Assets 75,542 78,855 67,077 65,644 64,681 Other Assets 501, , , , ,412 TOTAL ASSETS 9,760,842 10,536,989 12,106,261 14,143,234 15,831,058 LIABILITIES - - Bills Payable 110, , , , ,858 Borrowings From Financial Institution 1,035, ,828 1,001,447 1,766,145 1,942,458 Deposits And Other Accounts 7,300,687 8,318,058 9,229,773 10,389,260 11,797,867 Sub-ordinated Loans 55,160 40,070 44,329 51,366 59,330 Liabilities Against Assets Subject To Finance Lease Deferred Tax Liabilities 17,924 18,288 37,149 47,622 61,109 Other Liabilities 359, , , , ,598 TOTAL LIABILITIES 8,879,016 9,598,360 10,898,816 12,820,468 14,478,261 NET ASSETS 881, ,629 1,207,445 1,322,767 1,352,797 NET ASSETS REPRESENTED BY: - Share Capital 463, , , , ,882 Reserves 155, , , , ,314 Unappropriated Profit 154, , , , ,615 Share Holders' Equity 773, ,283 1,003,446 1,102,809 1,129,812 Surplus/Deficit On Revaluation Of Assets 108, , , , ,985 TOTAL 881, ,629 1,207,445 1,322,767 1,352,797 PROFIT AND LOSS STATEMENT Dec-12 Dec-12 Mark-Up/ Return/Interest Earned 800, , , , ,026 Mark-Up/ Return/Interest Expenses 460, , , , ,232 Net Mark-Up / Interest Income 339, , , , ,793 Provisions & Bad Debts Written Off Directly/(Reversals) 32,492 36,252 25,323 38,874 5,305 Net Mark-Up / Interest Income After Provision 307, , , , ,489 Fees, Commission & Brokerage Income 54,002 62,337 70,421 82,640 90,266 Dividend Income 21,686 14,606 14,098 16,910 17,187 Income From Dealing In Foreign Currencies 21,745 21,431 28,396 22,824 14,015 Other Income 40,559 42,036 54,434 86,369 74,260 Total Non - Markup / Interest Income 137, , , , , , , , , ,217 Administrative Expenses 252, , , , ,183 Other Expenses 4,813 3,237 5,726 7,231 5,003 Total Non-Markup/Interest Expenses 257, , , , ,186 Profit before Tax and Extra ordinary Items 187, , , , ,031 Extra ordinary/unusual Items - Gain/(Loss) PROFIT/ (LOSS) BEFORE TAXATION 186, , , , ,030 Less: Taxation 65,480 54,176 83, , ,117 PROFIT/ (LOSS) AFTER TAX 121, , , , ,914 Dec-13 Dec-13 Dec-14 Dec-14 Dec-15 Dec
2 Annexure II - Financial Soundness Indicators of the Banking Sector percent Indicators Dec-12 Dec-13 Dec-14 Dec-15 CAPITAL ADEQUACY Risk Weighted CAR^ Tier 1 Capital to RWA Capital to Total Assets ASSET QUALITY NPLs to Total Loans Provision to NPLs Net NPLs to Net Loans Net NPLs to Capital^^ EARNINGS Return on Assets (Before Tax) Return on Assets (After Tax) ROE (Avg. Equity& Surplus) (Before Tax) ROE (Avg. Equity &Surplus) (After Tax) NII/Gross Income Cost / Income Ratio LIQUIDITY Liquid Assets/Total Assets Liquid Assets/Total Deposits Advances/Deposits ^ Data for Dec-13 and onwards is based on Basel III, and data from CY08 to Sep-13 is based on Basel II with the exception of IDBL,PPCBL, and SME Bank, which is based on Basel I. ^^ Effective from June 30, 2015, Regulatory Capital, as defined under Basel requirements, has been used to calculate Net NPLs to Capital Ratio. Prior to Jun-15, Balance Sheet Capital was used for calculation of this ratio. 152
3 Dec-15 A. Public Sector Com. Banks (5) A. Public Sector Com. Banks (5) First Women Bank Ltd. First Women Bank Ltd. National Bank of Pakistan National Bank of Pakistan Sindh Bank Ltd. Sindh Bank Ltd. The Bank of Khyber The Bank of Khyber The Bank of Punjab The Bank of Punjab B. Local Private Banks (22) B. Local Private Banks (21) AlBaraka Bank (Pakistan) Ltd. AlBaraka Bank (Pakistan) Ltd.* Allied Bank Ltd. Allied Bank Ltd. Askari Bank Ltd. Askari Bank Ltd. Bank AL Habib Ltd. Bank AL Habib Ltd. Bank Alfalah Ltd. Bank Alfalah Ltd. BankIslami Pakistan Ltd. BankIslami Pakistan Ltd. Burj Bank Ltd. Dubai Islamic Bank Pakistan Ltd. Dubai Islamic Bank Pakistan Ltd. Faysal Bank Ltd. Faysal Bank Ltd. Habib Bank Ltd. Habib Bank Ltd. Habib Metropolitan Bank Ltd. Habib Metropolitan Bank Ltd. JS Bank Ltd. JS Bank Ltd. MCB Bank Ltd. MCB Bank Ltd. MCB Islamic Bank Ltd. MCB Islamic Bank Ltd Meezan Bank Ltd. Meezan Bank Ltd. NIB Bank Ltd. NIB Bank Ltd. SAMBA Bank Ltd. SAMBA Bank Ltd. Silk Bank Ltd Silk Bank Ltd Soneri Bank Ltd. Soneri Bank Ltd. Standard Chartered Bank (Pakistan) Ltd. Standard Chartered Bank (Pakistan) Ltd. Summit Bank Ltd Summit Bank Ltd United Bank Ltd. United Bank Ltd. C. Foreign Banks (4) C. Foreign Banks (4) Bank of Tokyo - Mitsubishi UFJ, Ltd. Bank of Tokyo - Mitsubishi UFJ, Ltd. Citibank N.A. Citibank N.A. Deutsche Bank AG Deutsche Bank AG Industrial and Commercial Bank of China Ltd. Industrial and Commercial Bank of China Ltd. D. Specialized Banks (4) D. Specialized Banks (4) Industrial Development Bank Ltd. Industrial Development Bank Ltd. Punjab Provincial Co-operative Bank Ltd. Punjab Provincial Co-operative Bank Ltd. SME Bank Ltd. SME Bank Ltd. Zarai Taraqiati Bank Ltd. Zarai Taraqiati Bank Ltd. All Commercial Banks (31) All Commercial Banks (31) Include A + B + C Include A + B + C All Banks (35) All Banks (34) Include A + B + C + D Include A + B + C + D * Burj Bank Ltd has been aquired by Al Baraka Bank on October 30, Annexure III - List of Banks 153
4 Annexure IV - Composition of Islamic Banking Institutions Dec-15 Islamic Banks Islamic Banks 1 AlBaraka Bank (Pakistan) Ltd. 1 AlBaraka Bank (Pakistan) Ltd. 2 BankIslami Pakistan Ltd. 2 BankIslami Pakistan Ltd. 3 Burj Bank Ltd. 3 Dubai Islamic Bank Pakistan Ltd 4 Dubai Islamic Bank Pakistan Ltd 4 MCB Islamic Bank Ltd. 5 MCB Islamic Bank Ltd. 5 Meezan Bank Ltd 6 Meezan Bank Ltd Conventional Banks having Islamic Banking Branches Conventional Banks having Islamic Banking Branches 1 Askari Bank Ltd. 1 Askari Bank Ltd. 2 Allied Bank Ltd. 2 Allied Bank Ltd. 3 Bank Al Habib Ltd 3 Bank Al Habib Ltd 4 Bank Alfalah Ltd 4 Bank Alfalah Ltd 5 Faysal Bank Ltd. 5 Faysal Bank Ltd. 6 Habib Bank Ltd 6 Habib Bank Ltd 7 Habib Metropolitan Bank 7 Habib Metropolitan Bank 8 MCB Bank Ltd 8 National Bank of Pakistan 9 National Bank of Pakistan 9 Silk Bank Ltd 10 Silk Bank Ltd 10 Sindh Bank Ltd 11 Sindh Bank Ltd 11 Soneri Bank Ltd 12 Soneri Bank Ltd 12 Standard Chartered Bank 13 Standard Chartered Bank 13 Summit Bank Ltd. 14 Summit Bank Ltd. 14 The Bank of Khyber 15 The Bank of Khyber 15 The Bank of Punjab 16 The Bank of Punjab 16 United Bank Ltd. 17 United Bank Ltd. Grand Total 23 (6+17) Grand Total 21 (5+16) 154
5 Annexure V - List of Non-Banking Financial Institutions Modarabas 1 Allied Rental Modaraba 2 Awwal Modaraba 3 B.F. Modaraba 4 B.R.R. Guardian Modaraba 5 Crescent Standard Modaraba 6 First Al-Noor Modaraba 7 First Elite Capital Modaraba 8 First Equity Modaraba 9 First Fidelity Leasing Modaraba 10 First Habib Modaraba 11 First IBL Modaraba 12 First Imrooz Modaraba 13 Popular Islamic Modaraba 14 First National Bank Modaraba 15 First Pak Modaraba 16 First Paramount Modaraba 17 First Prudential Modaraba 18 First Punjab Modaraba 19 First Treet Manufacturing Modaraba 20 First UDL Modaraba 21 KASB Modaraba 22 Modaraba Al-Mali 23 Orix Modaraba 24 Trust Modaraba 25 Sindh Modaraba 155
6 Non-Life Insurance Companies 1 Adamjee Insurance Company Limited 2 Alfalah Insurance Company Limited** 3 Asia Insurance Company Limited** 4 Askari General Insurance Company Limited** 5 Atlas Insurance Limited** 6 Century Insurance Company Limited 7 East West Insurance Company Limited 8 EFU General Insurance Limited** 9 Habib Insurance Company Limited 10 IGI Insurance Limited 11 Jubilee General Insurance Company Limited** 12 PICIC Insurance Limited 13 Premier Insurance Limited** 14 Reliance Insurance Company Limited** 15 SPI Insurance Company Limited** 16 Shaheen Insurance Company Limited 17 The Crescent Star Insurance Company Limited 18 The Pakistan General Insurance Company Limited 19 The United Insurance Company of Pakistan Limited** 20 The Universal Insurance Company Limited 21 TPL Direct Insurance Limited** General Takaful Companies 1 Pak-Kuwait Takaful Company Ltd. 2 Pak Qatar General Takaful Ltd. 3 Takaful Pakistan Ltd. Life Insurance Companies 1 East West Life Assurance Company Ltd. 2 EFU Life Assurance Limited** 3 IGI Life Insurance Limited** 4 Jubilee Life Insurance Company Ltd.** 5 State Life Insurance Company Limited Family Takaful Companies 1 Dawood Family Takaful 2 Pak Qatar Family Takaful Reinsurance Companies 1 Pakistan Reinsurance Company Ltd. Source: Securities & Exchange Commission of Pakistan (SECP) Annexure VI - List of Insurance Companies* * This list contains those insurance companies whose data has been used to conduct risk analysis for the insurance sector. In total, there are 35 non-life insurance companies (including National Insurance Company Limited) and 8 life insurance companies (including Postal Life Insurance) besides the aforementioned 3 General Takaful companies ** The proceedings seeking sanction under Section 309 (b) of the Companies Ordinance, 1984 for winding up of the Company are underway. 156
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