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RETURN ON ASSETS:

Formula:

Net Profit/Total Assets *100

YEARS ROA

2006 3.65%

2007 3.98%

2008 3.44%

2009 3.06%

2010 2.95%

Return on Equity:

Formula:

Net Profit/Equity * 100

Years ROE

2006 34.45%

2007 34.73%

2008 28.31%

2009 24.82%

2006 2007 2008 2009 2010

0.00%

0.50%

1.00%

1.50%

2.00%

2.50%

3.00%

3.50%

4.00%

4.50%

ROA

ROA

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2010 23.68%

Advances to Deposit Ratio:

Formula:

Advances/Deposits * 100

Years ATD ratio2006 77.07%

2007 74.96%

2008 79.48%

2009 68.89%

2010 59.02%

2006 2007 2008 2009 2010

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

30.00%

35.00%

40.00%

ROE

ROE

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

80.00%

90.00%

ATD ratio

ATD ratio

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Equity to Assets Ratio:

Formula:

Equity/Total Assets * 100

Years ETA Ratio

2006 10.60%

2007 11.46%

2008 12.15%

2009 12.33%

2010 12.48%

Deposits to Total Liabilities:

Formula:

Total Deposits/Total Liabilities * 100

Years DTL Ratio

2006 85.44%

2007 82.19%

2008 85.74%

2009 83.65%

2006 2007 2008 2009 2010

0.00%

.

2006 2007 2008 2009 2010

9.50%

10.00%

10.50%

11.00%

11.50%

12.00%

12.50%

13.00%

ETA Ratio

ETA Ratio

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2010 88.29%

Debt Ratio:

Formula:

Total Liabilities/Total Assets * 100

Years Debt Ratio2006 87.70%

2007 86.06%

2008 86.49%

2009 85.86%

2010 85.62%

2006 2007 2008 2009 2010

79.00%

80.00%

81.00%

82.00%

83.00%

84.00%

85.00%

86.00%

87.00%

88.00%

89.00%

DTL Ratio

DTL Ratio

85.50%

86.00%

86.50%

87.00%

87.50%

88.00%

Debt Ratio

Debt Ratio

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Earning Per Share:

Formula:

Net Profit/Total no. of Equity Share

Years EPS

2006 24.17

2007 26.17

2008 24.39

2009 20.61

2010 22.2

Equity Ratio:

Formula:

Equity/Total Assets * 100

Years Equity Ratio

2006 10.60%

2007 11.46%

2008 12.15%

2009 12.33%

2010 12.48%

2006 2007 2008 2009 2010

84.50%

.

2006 2007 2008 2009 2010

5

10

15

20

25

30

EPS

EPS

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Assets Yield:

Formula:

Total Mark-up earned/Total Assets * 100

Years AY ratio

2006 7.51%

2007 7.69%

2008 8.99%2009 10.08%

2010 9.61%

2006 2007 2008 2009 2010

9.50%

10.00%

10.50%

11.00%

11.50%

12.00%

12.50%

13.00%

Equity Ratio

Equity Ratio

2006 2007 2008 2009 2010

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

AY ratio

AY ratio

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Expense To Income Ratio:

Formula:

Total Expense/Total Income * 100

Years ETI Ratio

2006 36.09%

2007 35.65%

2008 43.72%

2009 46.89%

2010 51.30%

2006 2007 2008 2009 2010

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

ETI Ratio

ETI Ratio

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VERTICAL ANALYSIS OF BALANCE SHEET

AS ON JUNE 30th ___________________

2010 2009 2008 2007

Assets

Cash and balances with treasury banks 55.30% 53.60% 65.90% 68.90%

Balances with other banks 1.90% 8.40% 6.80% 6.70%

Lendings to financial institutions 5.30% 4.10% 6.80% 1.80%

Investments-net 263.10% 234.30% 162.60% 200.40%

Advances-net 310.40% 350.20% 436.50% 380.40%

Operating fixed assets 25.70% 25.00% 28.80% 27.94%

Deferred tax assets-net 0% 0% 0% 0%

Other assets-net 33.80% 31.80% 32.97% 31.09%

695.70% 707.60% 740.51% 717.49%

Liabilities

Bills payable 12.50% 11.30% 17.54% 18.20%

Borrowings 31.30% 61.70% 37.69% 68.40%

Deposits and other accounts 525.90% 508.30% 549.19% 507.56%

Sub-ordinated loan 0% 0% 0% 0.83%

Liabilities against assets subject to finance le 0% 4.42% 0% 0%

Deferred tax liabilities 6.27% 4.42% 0.73% 2.05%

Other liabilities 19.62% 21.82% 35.34% 20.35%

595.70% 607.60% 640.51% 617.49%Net assets 100% 100% 100% 100%

Represented by:

Share capital 9.27% 9.55% 10.44% 10.91%

Reserves 48.90% 53% 61.10% 59.08%

Unappropriated profit 28.60% 24.60% 18.40% 12.25%

86.80% 87.30% 90% 82.26%

Minority interest 0.00% 0.00% 0.00% 0.00%

86.80% 87.30% 90% 82.26%

Surplus on revaluation of assets-net of tax 13.20% 12.70% 10% 17.74%

100% 100% 100% 100%

VERTICAL ANALYSIS OF PROFIT & LOSS ACCOUNT

FOR THE YEAR ENDED _______________________

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2010 2009 2008 2007

Mark-up/ return/ interest earned 100% 100% 100% 100%

Mark-up/ return/ interest expensed 32.87% 30.67% 28.90% 24.72%

net mark-up/ interest income 67.10% 69.32% 71% 75%

0.81% 2.87% 6.70% 0.33%

Provision against loans and advances 5.65% 11.22% 3.30% 9.30%Bad debts written off directly 0.09% 0.08% 0% 0.00%

6.56% 14.18% 10.00% 9.64%

Net mark-up/ interest income after provisions 60.56% 55.13% 61% 65.60%

Non mark-up/ interest income

Fee, commission and brokerage income 7.50% 6.70% 7.18% 8.70%

Income earned as trustees to various funds 0.04% 0.04% 0.05% 0.02%

Dividend income 0.82% 0.66% 1.10% 1.68%

Income from dealing in foreign currencies 1.15% 0.66% 1.80% 2.18%Gain on sale of securities-net 0.74% 1.56% 1.86% 4.74%

0.07% 0.02% -24.80% -0.01%

Other income-net 1.36% 1.50% 3% 1.77%

11.74% 11.15% 14.80% 19.10%

Total non-mark-up/ interest income 72.30% 66.28% 75.80% 84.75%

Non-mark-up/ interest expenses

Administrative expenses 22.48% 19.82% 18.90% 15.80%

Other provision/ (reversal) 0.16% 0.27% 0.03% -0.01%

Other charges 1.80% 1.34% 2.29% 1.90%

Total non-mark-up/ interest expenses 24.45% 21.44% 21.20% 17.70%

Share of profit from associated undertaking 0.49% 0.38% 0.07% 3.80%

Extra ordinary/ unusual item 0% 0% 0% 0%

Profit before taxation 48.30% 45.23% 54.60% 70.80%

Taxation - Current year 14.68% 14.96% 18.40% 20.30%

- Prior year 0% -4.32% -2.10% -4.07%

- Deferred 2.80% 4.24% 0.04% 2.80%

share of tax of associate 0.05% 0.00% 0.06% 0.04%

17.57% 14.88% 16.30% 19.10%Profit after taxation 30.70% 30.34% 38.20% 46.10%

Profit attributable to minority interest 0.00% 0.00% 0.00% 0.00%

Profit attributable to ordinary shareholders 30.77% 30.34% 38.20% 51.70%

Unappropriated profit brought forward 32.50% 21.43% 17.60% 19.70%

0.04% 0.04% 0.05% 0.03%

32.40% 21.48% 17.60% 19.70%

Profit available for appropriation 63.32% 51.82% 55.90% 71.50%

Provision/ (reversal) of provision fordiminution in the value of investments

Unrealised gain on revaluation ofinvestments classified as 'held for trading'

Transfer from surplus on revaluation of fixedassets-net of tax

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2006

76.90%

15.70%

49.90%

152.70%

469.90%

21.50%

0.14%

26.10%

813.50%

16.80%

56.70%

609.60%

3.70%

0%

0%

26.40%

713.50%100%

12.90%

58.40%

14.80%

86.30%

0.00%

86.30%

13.70%

100%

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2006

100%

17.48%

82.50%

0.47%

3.93%0.18%

4.85%

77.90%

9.01%

0.00%

2.89%

2.60%2.30%

0%

2.20%

19.10%

97.10%

25.20%

0.04%

0.25%

25.50%

1.80%

0%

73.40%

22.10%

2.30%

0.23%

0.09%

24.70%48.60%

0.00%

48.60%

20.70%

0.12%

20.80%

69.46%

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MCB BANK

BALANCE SHEET

AS ON JUNE 30th ____________

2010 2009 2008 2007

(Rupees in 0Assets

Cash and balances with treasury ba 45,407,264 38,774,871 39,631,219 39,683,883

Balances with other banks 1,551,518 6,077,354 4,106,526 3,867,591

Lendings to financial institutions 4,401,781 3,000,000 4,100,079 1,051,372

Investments-net ### ### 97,790,391 ###

Advances-net ### ### ### ###

Operating fixed assets 21,061,787 18,099,010 17,320,485 16,082,781

Deferred tax assets-net ( - ) ( - ( - ( -

Other assets-net 27,746,198 23,057,731 19,828,228 17,896,838### ### ### ###

Liabilities

Bills payable 10,265,537 8,201,090 10,551,468 10,479,058

Borrowings 25,684,593 44,662,088 22,663,840 39,406,831

Deposits and other accounts ### ### ### ###

Sub-ordinated loan ( - ) ( - ) ( - ) 479,232

( - ) ( - ) ( - ) ( - )

Deferred tax liabilities 5,146,733 3,201,756 440,295 1,183,586

Other liabilities 16,090,374 15,782,589 21,252,942 11,716,465

### ### ### ###

Net assets 81,999,127 72,313,280 60,132,133 57,547,322

Represented by:

Share capital 7,602,150 6,911,045 6,282,768 6,282,768

Reserves 40,164,526 38,387,656 36,772,321 34,000,927

Unappropriated profit 23,458,429 17,821,670 11,065,723 7,054,472

71,225,105 63,120,371 54,120,812 47,338,167

Minority interest 2,698 71 69 63

71,227,803 63,120,442 54,120,881 47,338,230

10,771,324 9,192,838 6,011,252 10,209,092

81,999,127 72,313,280 60,132,133 57,547,322

Liabilities against assets subject tofinance lease

Surplus on revaluation of assets-netof tax

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MCB BANK

PROFIT & LOSS ACCOUNT

FOR THE YEAR ENDED JUNE 30th_________

2010 2009 2008 2007

(Rupees in 0

Mark-up/ return/ interest earned 54,829,365 51,621,911 40,049,505 31,791,754

Mark-up/ return/ interest expensed 18,027,372 15,835,581 11,592,922 7,858,819

net mark-up/ interest income 36,801,993 35,786,330 28,456,583 23,932,935

444,476 1,484,218 2,683,994 105,269

Provision against loans and advance 3,100,594 5,796,527 1,335,127 2,959,583

Bad debts written off directly 52,047 41,576 ( - ) 1993,597,117 7,322,321 4,019,121 3,065,051

33,204,876 28,464,009 24,437,462 20,867,884

Non mark-up/ interest income

Fee, commission and brokerage inco 4,133,109 3,461,374 2,878,663 2,772,615

22,714 18,029 21,867 5,859

Dividend income 450,492 342,132 451,312 535,813

632,819 341,403 727,564 693,408

Gain on sale of securities-net 410,618 806,388 748,139 1,507,610

40,832 11,510 (99,531) (3,329)

Other income-net 751,058 774,017 1,201,834 565,224

6,441,642 5,754,853 5,929,848 6,077,200

Total non-mark-up/ interest income 39,646,518 34,218,862 30,367,310 26,945,084

Non-mark-up/ interest expenses

Administrative expenses 12,327,496 10,235,366 7,580,302 5,036,605

Other provision/ (reversal) 88,261 142,824 10,120 (3,743)

Other charges 990,638 691,722 920,991 609,544

Total non-mark-up/ interest expense13,406,395 11,069,912 8,511,413 5,642,406

269,513 200,196 30,843 1,223,633

Extra ordinary/ unusual item ( - ) ( - ) ( - ) ( - )

Profit before taxation 26,509,636 23,349,146 21,886,740 22,526,311

Provision/ (reversal) of provision fordiminution in the value ofinvestments

Net mark-up/ interest income afterprovisions

Income earned as trustees tovarious funds

Income from dealing in foreigncurrencies

Unrealised gain on revaluation ofinvestments classified as 'held fortrading'

Share of profit from associatedundertaking

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Taxation - Current year 8,053,368 7,725,787 7,387,345 6,463,560

- Prior year ( - ) (2,232,933) (865,344) ###

- Deferred 1,554,809 2,190,425 16,348 899,898

share of tax of associate 29,333 464 25,164 15,769

9,637,510 7,683,743 6,563,513 6,084,641

Profit after taxation 16,872,126 15,665,403 15,323,227 16,441,670

Profit attributable to minority interes 1,893 (4) (12) (11)

16,874,019 15,665,399 15,323,215 16,441,659

Unappropriated profit brought forwa 17,821,670 11,065,723 7,054,472 6,278,593

21,879 22,374 21,373 11,860

17,843,549 11,088,097 7,075,845 6,290,453

Profit available for appropriation 34,717,568 26,753,496 22,399,060 22,732,112

((Rupees) )

22 21 24 26

s

Profit attributable to ordinaryshareholders

Transfer from surplus onrevaluation of fixed assets-net oftax

Basic and dilluted earnings pershare-after tax

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2006

00)

32,465,976

6,649,659

21,081,800

64,450,761

###

9,073,276

174,886

11,044,909###

7,089,679

23,943,476

###

1,597,440

( - )

( - )

11,177,125

###

42,185,119

5,463,276

24,662,446

6,278,593

36,404,315

52

36,404,367

5,780,752

42,185,119

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2006

00)

25,784,853

4,509,146

21,275,707

121,197

1,014,540

47,0001,182,737

20,092,970

2,325,171

483

746,276

692,010

605,865

( - )

577,703

4,947,508

25,040,478

6,505,576

11,411

66,708

6,583,695

474,030

( - )

18,930,813

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5,709,140

593,906

61,213

25,675

6,389,934

12,540,879

(3)

12,540,876

5,339,402

32,166

5,371,568

17,912,444

24

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HORIZONTAL ANALYSIS OF BALANCE SHEET

AS ON JUNE 30th _______________________

2010 2009 2008 2007

Assets

Cash and balances with treasury banks 139.86% 119.40% 122.07% 122.20%

Balances with other banks 23.30% 91.30% 61.70% 58.10%

Lendings to financial institutions 20.87% 14.20% 19.40% 4.98%

Investments-net 334.70% 262.90% 151.70% 178.90%

Advances-net 128.40% 127.70% 132.40% 110.40%

Operating fixed assets 232.10% 199.40% 190.80% 177.20%

Deferred tax assets-net 0% 0% 0% 0%

Other assets-net 251.20% 208.70% 179.50% 162%

166.20% 149.10% 129.70% 120.30%

Liabilities

Bills payable 144.70% 115.60% 148.80% 147.80%

Borrowings 107.20% 186.50% 94.60% 164.50%

Deposits and other accounts 167.60% 142.90% 128.40% 113.50%

Sub-ordinated loan 0% 0% 0% 30%

Liabilities against assets subject to finance lease 0% 0% 0% 0%

Deferred tax liabilities 100% 100% 100% 100%

Other liabilities 143.90% 141.20% 190.14% 104.80%

162.20% 145.90% 127.90% 118.00%Net assets 194.30% 171.40% 142.50% 136.40%

Represented by:

Share capital 139.10% 126.50% 115.00% 115.00%

Reserves 162.80% 155.60% 149.10% 137.80%

Unappropriated profit 373.60% 283.80% 176.20% 112.30%

195.60% 173.30% 148.60% 130.00%

Minority interest 5188% 136.50% 132.60% 121.10%

195.60% 173.30% 148.60% 130.00%

Surplus on revaluation of assets-net of tax 186.30% 159.00% 103.90% 176.60%

194.30% 171.40% 142.50% 136.40%

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HORIZONTAL ANALYSIS OF PROFIT & LOSS ACCOUNT

FOR THE YEAR ENDED __________________________

2010 2009 2008 2007

Mark-up/ return/ interest earned 212.64% 200.20% 155.32% 123.29%

Mark-up/ return/ interest expensed 399.79% 351.18% 257.09% 174.28%

net mark-up/ interest income 172.97% 168.20% 133.75% 112.50%

366.73% ### ### 86.85%

Provision against loans and advances 305.61% 571.34% 131.59% 291.71%

Bad debts written off directly 110.73% 88.45% 0% 0.42%

304.13% 619.09% 334.81% 259.15%

Net mark-up/ interest income after provisions 165.25% 141.66% 121.62% 103.85%

Non mark-up/ interest income

Fee, commission and brokerage income 177.75% 148.86% 123.80% 119.24%Income earned as trustees to various funds ### ### ### ###

Dividend income 60.36% 45.84% 60.47% 71.79%

Income from dealing in foreign currencies 91.44% 49.33% 105.13% 100.20%

Gain on sale of securities-net 67.77% 133.09% 123.48% 248.83%

100% 100% 100% -100%

Other income-net 130.00% 133.98% 208.03% 97.83%

130.19% 116.31% 119.85% 122.83%

Total non-mark-up/ interest income 158.32% 136.65% 121.20% 107.60%

Non-mark-up/ interest expenses

Administrative expenses 189.49% 157.33% 116.52% 77.40%

Other provision/ (reversal) 773.47% ### 88.68% -32.80%

Other charges ### ### ### 913.74%

Total non-mark-up/ interest expenses 203.63% 168.14% 129.28% 85.70%

Share of profit from associated undertaking 56.85% 42.23% 6.50% 258.13%

Extra ordinary/ unusual item 0% 0% 0% 0%

Profit before taxation 140.03% 123.33% 115.61% 118.99%

Taxation - Current year 141.06% 135.32% 129.39% 113.21%

- Prior year 0% -376% -15% -218%- Deferred ### ### 26.70% ###

share of tax of associate 114.24% 1.80% 98.00% 61.42%

150.82% 120.24% 102.71% 95.22%

Profit after taxation 134.53% 124.91% 122.18% 131.10%

Profit attributable to minority interest 63100% 133.34% 400% 366.67%

Profit attributable to ordinary shareholders 134.55% 124.91% 122.18% 131.10%

Unappropriated profit brought forward 333.77% 207.24% 132.12% 117.58%

Provision/ (reversal) of provision for diminutionin the value of investments

Unrealised gain on revaluation of investmentsclassified as 'held for trading'

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68.02% 69.55% 66.44% 36.87%

332.18% 206.42% 131.72% 117.10%

Profit available for appropriation 193.82% 149.35% 125.04% 126.90%

Transfer from surplus on revaluation of fixedassets-net of tax

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2006

100%

100%

100%

100%

100%

100%

100%

100%

100%

100.00%

100.00%

100.00%

100%

0%

0%

100.00%

100%100%

100.00%

100.00%

100.00%

100%

100%

100%

100%

100%

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2006

100%

100%

100%

100%

100%

100%

100%

100%

100.00%100.00%

100.00%

100.00%

100.00%

100%

100.00%

100%

100%

100.00%

100.00%

100.00%

100%

100%

0%

100%

100.00%

100%100.00%

100.00%

100%

100%

100%

100%

100.00%

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100.00%

100%

100%