Askri Bank Excel Sheet

8/13/2019 Askri Bank Excel Sheet

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BALANCE SHEET 2008 2009 2010

ASSETS Rupees in '000

Cash and balances with treasury banks 16,029,666 19,385,850 22,565,190

Balances with other banks 3,967,816 8,374,640 3,787,538

Lendings to financial institutions 4,479,754 4,649,059 9,194,186

Investments 35,464,972 66,885,617 102,100,063

Advances 128,818,242 135,039,901 152,784,254Operating fixed assets 8,345,054 9,332,361 10,084,422

Deferred tax assets 0 0 0

Other assets 9,021,883 10,686,010 14,264,476

TOTAL ASSETS 206,127,387 254,353,438 314,780,129LIABILITIES

Bills payable 2,584,828 2,945,670 3,089,984

Borrowings 15,190,148 19,300,163 25,554,777

Deposits and other accounts 167,505,312 205,912,903 255,908,149

Sub-ordinated loans 2,996,100 5,994,900 5,992,500

Liabilities against assets subject to finance lease 16,573 11,543 5,556

Deferred tax liabilities 16,173 333,925 85,507

Other liabilities 4,779,448 4,866,463 8,111,431

TOTAL LIABILITIES 392,257,292 480,946,386 603,207,530NET ASSETS 13,038,805 14,987,871 16,032,225

OWNER'S EQUITY

Share capital 4,058,774 5,073,467 6,427,440

Reserves 7,689,227 7,287,041 7,712,855

Unappropriated profits 338,225 803,716 679,638

Non-Controling intrest 16,111 17,263 28,728

Surplus on Revaluation of Assets 936,468 1,806,384 1,183,564

TOTAL OWNER'S EQUITY 13,038,805 14,987,871 16,032,225

TOTAL LIABILITIES + OWNER'S EQUITY 206,127,387 254,353,438 314,780,129


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2011 2012

26,168,206 24,435,422

6,236,116 8,865,303

1,613,584 6,341,474

133,655,387 145,354,253

150,712,556 143,727,8359,451,033 8,901,522

0 0

16,028,838 15,585,465

343,865,720 353,211,274

2,756,032 3,700,156

17,274,979 8,376,740

291,499,395 306,929,729

6,990,100 6,987,300

2,893 1,018

46,908 83,139

7,413,555 7,305,811

655,327,118 673,121,823

17,881,858 19,827,381

7,070,184 8,130,711

8,135,795 8,541,776

1,380,018 1,114,869

28,377 29,441

1,267,484 2,010,584

17,881,858 19,827,381

343,865,720 353,211,274


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BALANCE SHEET 2008 2009 2010 2011

ASSETS

Cash and balances with treasury banks 7.78% 7.62% 7.17% 7.61%

Balances with other banks 1.92% 3.29% 1.20% 1.81%

Lendings to financial institutions 2.17% 1.83% 2.92% 0.47%

Investments 17.21% 26.30% 32.44% 38.87%

Advances 62.49% 53.09% 48.54% 43.83%Operating fixed assets 4.05% 3.67% 3.20% 2.75%

Deferred tax assets 0.00% 0.00% 0.00% 0.00%

Other assets 4.38% 4.20% 4.53% 4.66%

TOT L SSETS 100.00% 100.00% 100.00% 100.00%LIABILITIES

Bills payable 1.25% 1.16% 0.98% 0.80%

Borrowings 7.37% 7.59% 8.12% 5.02%

Deposits and other accounts 81.26% 80.96% 81.30% 84.77%

Sub-ordinated loans 1.45% 2.36% 1.90% 2.03%

Liabilities against assets subject to finance lease 0.01% 0.00% 0.00% 0.00%Deferred tax liabilities 0.01% 0.13% 0.03% 0.01%

Other liabilities 2.32% 1.91% 2.58% 2.16%

TOTAL LIABILITIES 93.67% 94.11% 94.91% 94.80%

NET ASSETS 6.33% 5.89% 5.09% 5.20%

OWNER'S EQUITY

Share capital 1.97% 1.99% 2.04% 2.06%

Reserves 3.73% 2.86% 2.45% 2.37%

Unappropriated profits 0.16% 0.32% 0.22% 0.40%

Non-Controling intrest 0.01% 0.01% 0.01% 0.01%

Surplus on Revaluation of Assets 0.45% 0.71% 0.38% 0.37%

TOTAL OWNER'S EQUITY 6.33% 5.89% 5.09% 5.20%

TOTAL LIABILITIES + OWNER'S EQUITY 100.00% 100.00% 100.00% 100.00%


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2012

6.92%

2.51%

1.80%

41.15%

40.69%

2.52%

0.00%

4.41%

100.00%

1.05%

2.37%

86.90%

1.98%

0.00%0.02%

2.07%

94.39%

5.61%

2.30%

2.42%

0.32%

0.01%

0.57%

5.61%

100.00%


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BALANCE SHEET 2008 2009 2010 2011

ASSETS

Cash and balances with treasury banks 100.00% 120.94% 140.77% 163.25%

Balances with other banks 100.00% 211.06% 95.46% 157.17%

Lendings to financial institutions 100.00% 103.78% 205.24% 36.02%

Investments 100.00% 188.60% 287.89% 376.87%

Advances 100.00% 104.83% 118.60% 117.00%Operating fixed assets 100.00% 111.83% 120.84% 113.25%

Deferred tax assets 100.00% 0.00% 0.00% 0.00%

Other assets 100.00% 118.45% 158.11% 177.67%

TOT L SSETS 100.00% 123.40% 152.71% 166.82%LIABILITIES

Bills payable 100.00% 113.96% 119.54% 106.62%

Borrowings 100.00% 127.06% 168.23% 113.72%

Deposits and other accounts 100.00% 122.93% 152.78% 174.02%

Sub-ordinated loans 100.00% 200.09% 200.01% 233.31%

Liabilities against assets subject to finance lease 100.00% 69.65% 33.52% 17.46%Deferred tax liabilities 100.00% 2064.71% 528.70% 290.04%

Other liabilities 100.00% 101.82% 169.71% 155.11%

TOTAL LIABILITIES 100.00% 123.97% 154.72% 168.83%

NET ASSETS 100.00% 114.95% 122.96% 137.14%

OWNER'S EQUITY

Share capital 100.00% 125.00% 158.36% 174.20%

Reserves 100.00% 94.77% 100.31% 105.81%

Unappropriated profits 100.00% 237.63% 200.94% 408.02%

Non-Controling intrest 100.00% 107.15% 178.31% 176.13%

Surplus on Revaluation of Assets 100.00% 192.89% 126.39% 135.35%

TOTAL OWNER'S EQUITY 100.00% 114.95% 122.96% 137.14%

TOTAL LIABILITIES + OWNER'S EQUITY 100.00% 123.40% 152.71% 166.82%


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2012

152.44%

223.43%

141.56%

409.85%

111.57%

106.67%

0.00%

172.75%

171.36%

143.15%

55.15%

183.24%

233.21%

6.14%514.06%

152.86%

172.66%

152.06%

200.32%

111.09%

329.62%

182.74%

214.70%

152.06%

171.36%


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PROFIT & LOSS ACCOUNT 2008 2009 2010

Mark-up / return / interest earned 18,395,742 22,590,230 27954956

Mark-up / return / interest expensed 10,647,277 13,542,210 17931715

Net mark-up / interest income 7,748,465 9,048,020 10023241

Provision against non-performing loans and advances - net 3,824,778 2,324,377 2319280

Impairment loss on available for sale investments 0 431,058 382764Provision / (reversal) for diminution in the value of investments 508 76,784 267873

Provision against purchase under resale arrangement 0 82,674 65808

Bad debts written off directly 247,360 0 0

Net mark-up / interest income after provisions 3,675,819 6,133,127 6987516

Non mark-up / interest income

Fee, commission and brokerage income 1,418,588 1,382,346 1329477

Dividend income 173,743 162,537 209,922

Income from dealing in foreign currencies 873,512 528,159 13,011

Gain on sale of securities - net 42,824 143,717 213,735

Unrealised gain / Loss on revaluation of investments 22,375 -405 -3,799

Other income 343,435 409,191 471,707

Total non-markup / interest income 2,874,477 2,625,545 2,234,053

6,550,296 8,758,672 9,221,569

Non mark-up / interest expenses

Administrative expenses 6,035,800 7,124,693 7,937,367

Other provisions / write offs 739 0 30,136

Other charges 10,987 34,368 42,453

Total non-markup / interest expenses 6,047,526 7,159,061 8,009,956

502,770 1,599,611 1,211,613

Share of profit of associate 0 0 38,014

Extra ordinary / unusual items 0 0 0

Profit before taxation 502,770 1,599,611 1,249,627

Taxation 87,715 530,747 330,166

Profit after taxation 415,055 1,068,864 919,461


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2011 2012

32,768,950 32,404,345

22,699,089 22,973,385

10069861 9,430,960

1,630,123 2,342,473

122,421 148,575-15,775 201,265

34,702 0

0 1,043

8298390 6737604

1,297,332 1,173,558

289,470 1,036,249

772,495 884,724

310,384 688,424

80 986

348,009 532,275

3,017,770 4,316,216

11,316,160 11,053,820

8,787,381 9,226,563

0 8,633

86,784 80,381

8,874,165 9,315,577

2,441,995 1,738,243

12,949 27,814

0 0

2,454,944 1,766,057

749,737 476,912

1,705,207 1,289,145


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PROFIT & LOSS ACCOUNT 2008 2009 2010 2011 2012

Mark-up / return / interest earned 100.00% 100.00% 100.00% 100.00% 100.00%

Mark-up / return / interest expensed 57.88% 59.95% 64.15% 69.27% 70.90%

Net mark-up / interest income 42.12% 40.05% 35.85% 30.73% 29.10%

Provision against non-performing loans and advances - net 20.79% 10.29% 8.30% 4.97% 7.23%

Impairment loss on available for sale investments 0.00% 1.91% 1.37% 0.37% 0.46%Provision / (reversal) for diminution in the value of investm 0.00% 0.34% 0.96% -0.05% 0.62%

Provision against purchase under resale arrangement 0.00% 19.18% 0.24% 0.11% 0.00%

Bad debts written off directly 1.34% 0.00% 0.00% 0.00% 0.00%

Net mark-up / interest income after provisions 19.98% 27.15% 25.00% 25.32% 20.79%


Fee, commission and brokerage income 7.71% 6.12% 4.76% 3.96% 3.62%

Dividend income 0.94% 0.72% 0.75% 0.88% 3.20%

Income from dealing in foreign currencies 4.75% 2.34% 0.05% 2.36% 2.73%

Gain on sale of securities - net 0.23% 0.64% 0.76% 0.95% 2.12%

Unrealised gain / Loss on revaluation of investments 0.12% 0.00% -0.01% 0.00% 0.00%

Other income 1.87% 1.81% 1.69% 1.06% 1.64%

Total non-markup / interest income 15.63% 11.62% 7.99% 9.21% 13.32%

35.61% 38.77% 32.99% 34.53% 34.11%

Non mark-up / interest expenses

Administrative expenses 32.81% 31.54% 28.39% 26.82% 28.47%

Other provisions / write offs 0.00% 0.00% 0.11% 0.00% 0.03%

Other charges 0.06% 0.15% 0.15% 0.26% 0.25%

Total non-markup / interest expenses 32.87% 31.69% 28.65% 27.08% 28.75%

2.73% 7.08% 4.33% 7.45% 5.36%

Share of profit of associate 0.00% 0.00% 0.14% 0.04% 0.09%

Extra ordinary / unusual items 0.00% 0.00% 0.00% 0.00% 0.00%

Profit before taxation 2.73% 7.08% 4.47% 7.49% 5.45%

Taxation 0.48% 2.35% 1.18% 2.29% 1.47%

Profit after taxation 2.26% 4.73% 3.29% 5.20% 3.98%


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PROFIT & LOSS ACCOUNT 2008 2009 2010 2011

Mark-up / return / interest earned 100.00% 122.80% 151.96% 178.13%

Mark-up / return / interest expensed 100.00% 127.19% 168.42% 213.19%

Net mark-up / interest income 100.00% 116.77% 129.36% 129.96%

Provision against non-performing loans and advances - net 100.00% 60.77% 60.64% 42.62%

Impairment loss on available for sale investments 100.00% 0.00% 0.00% 0.00%Provision / (reversal) for diminution in the value of investm 100.00% 15114.96% 52730.91% -3105.31%

Provision against purchase under resale arrangement 100.00% 0.00% 0.00% 0.00%

Bad debts written off directly 100.00% 0.00% 0.00% 0.00%

Net mark-up / interest income after provisions 100.00% 166.85% 190.09% 225.76%


Fee, commission and brokerage income 100.00% 97.45% 93.72% 91.45%

Dividend income 100.00% 93.55% 120.82% 166.61%

Income from dealing in foreign currencies 100.00% 60.46% 1.49% 88.44%

Gain on sale of securities - net 100.00% 335.60% 499.10% 724.79%

Unrealised gain / Loss on revaluation of investments 100.00% -1.81% -16.98% 0.36%

Other income 100.00% 119.15% 137.35% 101.33%

Total non-markup / interest income 100.00% 91.34% 77.72% 104.99%

100.00% 133.71% 140.78% 172.76%

Administrative expenses 100.00% 118.04% 131.50% 145.59%

Other provisions / write offs 100.00% 0.00% 4077.94% 0.00%

Other charges 100.00% 312.81% 386.39% 789.88%

Total non-markup / interest expenses 100.00% 118.38% 132.45% 146.74%

100.00% 318.16% 240.99% 485.71%

Share of profit of associate 100.00% 0.00% 0.00% 0.00%

Extra ordinary / unusual items 100.00% 0.00% 0.00% 0.00%

Profit before taxation 100.00% 318.16% 248.55% 488.28%

Taxation 100.00% 605.08% 376.41% 854.74%

Profit after taxation 100.00% 257.52% 221.53% 410.84%


12/21

2012

176.15%

215.77%

121.71%

61.24%

0.00%39619.09%

0.00%

0.42%

183.30%

82.73%

596.43%

101.28%

1607.57%

4.41%

154.99%

150.16%

168.75%

152.86%

1168.20%

731.60%

154.04%

345.73%

0.00%

0.00%

351.27%

543.71%

310.60%


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Liquidity RatiosCurrent Ratio = Current Assets/Current Liabilities

Year 2008 2009 2010 2011 2012

current assets

current liabilities 63,998,354 69,675,314 88,985,011 84,078,845 75,503,441

current ratio 0 0 0 0 0

Advance to Deposit Ratio= Advances (gross)/Total Deposits

Year 2008 2009 2010 2011 2012

Advances (gross) 139,830,973 147,633,745 168,435,880 167,381,246 162,855,583

Total Deposits 170,501,412 211,907,803 261,900,649 298,489,495 313,917,029

Advance to Deposit Ratio 0.820116217 0.696688574 0.643128914 0.560760927 0.518785437

Cash to Liabilities Ratio= Cash/ Current Liabilities

Year 2008 2009 2010 2011 2012

Cash 19,997,482 27,760,490 26,352,728 32,404,322 33,300,725

Current Liabilities 63,998,354 69,675,314 88,985,011 84,078,845 75,503,441

Cash to Current Liabilit ies Ratio 0.312468693 0.398426479 0.296147943 0.385403986 0.441049104

Debt Ratios

Debt Ratio= Total Liabilities/Total Assests

Year 2008 2009 2010 2011 2012Total Liabilities 193,088,582 239,365,567 298,747,904 325,983,862 333,383,893

Total Assests 193,090,590 239,367,576 298,749,914 325,985,873 333,385,905

Debt Ratio 0.999989599 0.999991605 0.999993271 0.99999383 0.999993964

Debt to Equity Ratio= Total Liabilities/ Owner's Equity

Year 2008 2009 2010 2011 2012

Total Liabilities 417,398,434 509,115,744 634,088,416 689,823,350 710,766,001

Owner's Equity 417,400,442 509,117,753 634,090,426 689,825,361 710,768,013

Debt to Equity Ratio 1.00 1.00 1.00 1.00 1.00

Time Intrest Earned Ratio=Profits before Intrest & Taxes/Intrest (Financing cost)

Year 2008 2009 2010 2011 2012

Profits before Intrest & Taxes 11,150,047 15,141,821 19,181,342 25,154,033 24,739,442

Intrest (Financing cost) 10,647,277 13,542,210 17931715 22,699,089 22,973,385

Time Intrest Earned Ratio 1.05 1.12 1.07 1.11 1.08


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Profitability Ratios

Profit before Tax Margin= (Profit before Taxation/ Intrest Earned) x100

Year 2008 2009 2010 2011 2012

Profit before Taxation 502,770 1,599,611 1,249,627 2,454,944 1,766,057

Intrest Earned 18,395,742 22,590,230 27954956 32,768,950 32,404,345

Proft before tax margin 3% 7% 4% 7% 5%

Gross Spread Ratio = Net Mark-up Income / Gross Mark-up Income

Year 2008 2009 2010 2011 2012

Net Mark-up Income 9,428 10,067 9,392 7,743 7,743

Gross Mark-up Income 32,402 32,766 27,329 22,587 18,393

Gross Spread Ratio 29.10% 30.72% 34.37% 34.28% 42.10%

Return on Asset= (Net Profit after tax/ Total Assets) x100

Year 2008 2009 2010 2011 2012

Net Profit after tax 415,055 1,068,864 919,461 1,705,207 1,289,145

Total Assets 458,893 1,113,706 958,192 1,737,548 1,317,293

Return on Assets 90.45% 95.97% 95.96% 98.14% 97.86%

Return on Equity= Net Profit after tax/ Owner's Equity

Year 2008 2009 2010 2011 2012


Owner's Equity 417,063 1,070,873 921,471 1,707,218 1,291,157

Return on Equity 99.52% 99.81% 99.78% 99.88% 99.84%

Analysis For Investor

Earning Per Share= Net Profit after Tax/ Number of Share Outstanding

Year 2008 2009 2010 2011 2012


Number of Share Outstanding 405,877,308 507,346,700 642,744,335 707,018,400 813,071,084

Earning Per Share 0.001022612 0.002106772 0.001430524 0.002411828 0.001585526

Price Earning Ratio= Market Price Share/Earning per share


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Year 2008 2009 2010 2011 2012

Market Price Share 14.57 27.3 17.69 10.03 17.22

Earning per share 0.95 2.18 1.48 2.30 1.54

Price Earning Ratio 15.33684211 12.52293578 11.9527027 4.360869565 11.18181818


16/21

Curent Ratio

Advance to deposit ratio

0

0.5

1

1.52

2.5

3

2008 2009 2010 2011 2012

CURRENT RATIO

0

0 .5

1

1. 5

2

2 .5

3

2 0 0 8 2 0 09 2 0 10 2 0 11 2 0 12

Advance t o Deposi t

0

0 .5

1

1. 5

2

2 .5

3

2 0 0 8 2 0 0 9 20 10 2 011 2 0 12

Cash t o L iabi l i t i es Rat io

0

0 .5

1

1. 5

2

2 .5

3

2 0 0 8 20 0 9 2 0 10 2 0 11 20 12

D e bt R a t i o

0

0 .5

1

1. 5

2

2 .5

3

2 0 08 20 0 9 2 0 10 20 11 2 012

Deb t t o Eq ui t y Rat i o

0

0 .5

1

1. 5

2

2 .5

3

T ime In t e r s t E ar n ed Rat io


17/21

0

0 . 5

1

1. 5

2

2 . 5

3

20 08 200 9 2 010 20 11 20 12

P r o f i a x M a r g i n t B e f o r e T

0

0 .5

1

1.5

2

2 .5

3

20 08 20 09 20 10 2 011 20 12

Gross Spr ead Rat io

0

0 . 5

1

1.5

2

2 . 5

3

20 08 20 09 2 010 20 11 20 12

Ret urn on Asset

0

0 . 5

1

1. 5

2

2 . 5

3

20 08 20 09 2010 20 11 20 12

Ret urn on Equi t y

0

0 . 5

1

1. 5

2

2 . 5

3

20 08 20 09 2010 20 11 20 12

Earning per Shar e

2 .5

3


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0

0 .5

1

1.5

2

.

20 08 20 09 20 10 20 11 2 012

Pr ic e Ear n ing Ra t io


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Documents

Askri Bank Excel Sheet