2003 1

2
3
4
2004 1
2
3
4
2005 1
2
3
4
2006 1
2
3
4
2007 1
2
3
4
2008 1
2
3
4
2009 1
2
3
4

1
Deposits
5688469
6517245
7273935
7748367
8470281
9413798
9776954
13745707
15524825
16991227
16646831
22761286
22886528
26200692
29438222
34423936
37442290
45048869
51653534
54580452
54277747
57839008
61387914
70231950
72974267
81559681
87678434
100331448

2
3
Assets
Liabilities
7533012
5990230
8820743
7144424
10294986
8524373
11187617
9351784
12992248 11027969
13967105 11981528
16158172 14210782
19894675 17585855
22882688 20188358
24230654 21466101
25109628 22088179
31224360 27721030
32137171 28314479
35546786 31672024
39576816 35560560
47009046 41698778
50583018 44989966
60627388 54644331
65247205 59065414
68261187 61713371
68672352 61711923
72900242 65916490
77189664 70485991
85804930 79453979
90212789 83026614
100704096 91314608
109406789 99467933
125514416 115303093

4
Profit
32935
68403
139563
33230
98191
59228
54416
197839
264230
124136
313432
284224
414434
97779
193259
220272
390097
486010
388498
244838
382814
255498
111851
242148
766687
526466
593848
640405

5
T Financing
4198559
5310849
5942474
7397479
8529586
9647919
11099284
12339660
14119983
15644023
17664733
19738699
21517066
22664145
22501764
27029578
27060535
28817423
29758451
34575680
38381769
38300316
40006454
39768481
35677047
37799221
37237830
44188066

6
7
InvestmentF. Income
910520
97315
1098592
94520
1262824
93602
1292461
90387
1621948
101997
1289245
116580
1260358
143418
1613957
173263
1757880
239824
1819070
303090
1917241
419420
2061009
496303
3499211
577011
3212458
639290
3550492
669934
3394435
817812
3389819
973540
5219200 1092094
10583890 1176444
11361830 1332366
11616261 1425715
11747563 1470704
14156863 1694806
14569918 2216216
18040176 2501289
18529022 2379130
22684138 2424990
24370190 2800109

8
9
S. Incomeot income
10080 18675
12591 77377
15906 164276
30288 35699
36997 113649
38607 114344
43650 75922
45533 141511
79483 234611
61145 96022
76905 225018
94402 204935
85902 250547
99709 98657
96256 190098
113465 255363
108722 246153
127263 363119
144101 374855
174078 658211
169780 303363
195635 183707
199113 63561
141798 346967
173380 227624
181181 486587
177854 538289
215528 454992

10
11
12
TR
overheads EQUITY
treas bnk other bnk
115990
51561 1542782
752241 1317818
171897
60738 1676319 1102653
724947
257878
80493 1770613 1102653
724947
126086
72843 1835833 1042285
683596
215646
77014 1964279 1172443
953615
230924
112240 1985577 1173113
994611
219340
102540 1947390 1459622 1029124
314774
147067 2308820 2623588 1751083
474435
145099 2694330 4963067 2623588
399112
162116 2764553 2755303 2690637
644438
222535 3021449 2472190
599738
701238
243423 3503330 3956938 2855823
827558
238534 3822692 2690579 2301271
737947
223872 3874762 3094706 4513515
860032
271099 4016256 4656993 6107608
1073175
355378 5310268 5897394 4134875
1219693
388997 5593052 5556216 9203147
1455213
444854 5983057 8072113 7460651
1551299
465184 6181791 8072113 7460651
1990577
575249 6547816 5644028 3729549
1729078
601133 6960429 5807756 2052793
1654411
636528 6983752 6563293 2585386
1758367
678428 6703673 7606241 1107170
2563183
826178 6350951 5763710 1344974
2728913
824654 7186175 5556622 4469626
2865717
883254 9389488 6312519 5490849
2963279
899834 9938856 7325988 5299659
3255101 1073346 10211323 8387432 5260467

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28

2003

2004

2005

2006

2007

2008

2009

1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4

ROA=PRO/ASS DA=D/A

SR=S
IF=F IN/TF IN/TR

EA=F+IN+t
reas
bnk+oth.
FA=TF/TA LA=TL/TA bnk/TA

ROA
0.437208915
0.775478891
1.355640503
0.297024827
0.755766054
0.424053517
0.336770768
0.994431927
1.15471574
0.512309738
1.248254255
0.910263653
1.289578351
0.275071282
0.488313663
0.468573644
0.771201513
0.801634403
0.595424739
0.358678205
0.557449962
0.350476203
0.144904116
0.282207561
0.84986509
0.522785091
0.542788985
0.51022426

IF
2.317819
1.779753
1.575135
1.221862
1.195802
1.208343
1.292137
1.404115
1.698472
1.937417
2.374335
2.514365
2.681643
2.820711
2.977251
3.025619
3.597638
3.7897
3.953311
3.853477
3.714563
3.839927
4.236331
5.572795
7.010919
6.294124
6.512168
6.336799

FA
55.73546
60.20864
57.72202
66.12203
65.65135
69.07601
68.69146
62.02494
61.70596
64.56294
70.35044
63.2157
66.95383
63.75863
56.85592
57.49867
53.49727
47.53202
45.60878
50.65203
55.89115
52.53798
51.82877
46.34755
39.54766
37.53494
34.03612
35.20557

DA
75.51387148
73.88544253
70.65512279
69.25842206
65.1948839
67.3997797
60.50779754
69.09239281
67.84528548
70.1228576
66.29660543
72.89592485
71.21512967
73.70762578
74.38249201
73.22832291
74.02146309
74.30448595
79.16589531
79.95825212
79.03871852
79.33993964
79.52867109
81.8507165
80.89126587
80.98943761
80.13984763
79.93619474

SR
8.690404
7.324735
6.168033
24.0217
17.15636
16.71849
19.90061
14.4653
16.75319
15.32026
11.93365
13.46219
10.38018
13.51167
11.19214
10.57283
8.913882
8.745318
9.289054
8.745103
9.819106
11.82505
11.32375
5.532106
6.353445
6.322362
6.001932
6.621238

LA
79.51972
80.99572
82.80121
83.59049
84.88115
85.7839
87.94796
88.39478
88.22547
88.59068
87.96697
88.78014
88.10508
89.09954
89.852
88.70373
88.94283
90.13143
90.52558
90.4077
89.86429
90.42013
91.31532
92.59838
92.03419
90.67616
90.91569
91.86442

EA
95.30236
93.38262
87.74075
93.10134
94.49937
93.8268
91.89398
92.1266
102.5427
94.54567
90.21998
91.63509
93.37514
94.1993
93.02632
86.06063
89.37726
81.76072
85.63601
81.0286
84.25309
81.20214
81.45744
71.61253
70.65902
67.65525
66.30998
65.49539

10

QA=EQ/T OA=OV/T
A
A
CPI
QA
20.48028
19.00428
17.19879
16.40951
15.11885
14.2161
12.05204
11.60522
11.77453
11.40932
12.03303
11.21986
11.89492
10.90046
10.148
11.29627
11.05717
9.868571
9.474415
9.592297
10.13571
9.579875
8.684677
7.401616
7.965805
9.323839
9.084314
8.135578

OA
CPI
0.684467 106.92
0.688581 107.17
0.781866 108.22
0.651104 111.26
0.592769 112.18
0.803602 114.84
0.634601 118.16
0.739228 120.65
0.634099 122.91
0.669053 126.20
0.886254 128.38
0.779593 130.57
0.742237 132.62
0.629795 135.00
0.684994 139.20
0.755978 141.47
0.769027 142.22
0.733751 144.60
0.712956 149.05
0.842718 154.10
0.875364 159.87
0.873149 172.57
0.87891 185.59
0.962856 191.61
0.914121 192.17
0.877079 198.24
0.822466 207.14
0.855158 210.99

ROE
0.021348
0.040805
0.078822
0.018101
0.049988
0.029829
0.027943
0.085688
0.098069
0.044903
0.103736
0.08113
0.108414
0.025235
0.048119
0.04148
0.069747
0.081231
0.062846
0.037392
0.054999
0.036585
0.016685
0.038128
0.106689
0.05607
0.05975
0.062715

1
2003

2004

2005

2006

2007

2008

2009

1
2
3
1
2
3
1
2
3
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4

Deposits

Assets

3
Liabilities Profit

5
6
7
T Financing InvestmentFin. Income

5517245
7273935
8470281
9413798
9776954
15524825
16991227
16646831
22925716
26200692

8820743
10294986
12992248
13967105
16158172
22882688
24230654
25109628
31422040
35546786

7144424
8524373
11027969
11981528
14210782
20188358
21466101
22088179
28231054
31672024

71521
139563
98191
59228
54416
264230
124136
313432
252682
97779

5310849
5942474
8529586
9647919
11099284
14119983
15644023
17664733
21521091
22664145

1098592
1262824
1621948
1289245
1260358
1757880
1819070
1917241
2908086
3212458

94520
93602
101997
116580
143418
239824
303090
419420
576949
639290

37442290 50583018 44989966

45048869 60627388 54644331
51653534 65247205 59065414

390097
486010
388498

27060535 3389819
28817423 5219200
29758451 10583890

973540
1092094
1176444

54277747 68672352 61711923

57839008 72900242 65916490
61387914 77189664 70485991

541031
125382
195311

38381769 11616261
38300316 11747563
40006454 14156863

1425715
1470704
1694806

8
Ser. Income

9
other income

12591
15906
36997
38607
43650
79483
61145
76905
42077
99709

77377
164276
113649
114344
75922
234611
96022
225018
192140
98657

108722
127263
144101

246153
363119
374855

169780
195635
199113

303363
183707
63561

10
TR
171897
257878
215646
230924
219340
474435
399112
644438
769089
737947
0
0
1219693
1455213
1551299
0
1729078
1654411
1758367
0
0
0
0
0

11
12
overheads EQUITY
60738
80493
77014
112240
102540
145099
162116
222535
223121
223872

1676319
1770613
1964279
1985577
1947390
2694330
2764553
3021449
3190986
3874762

388997
444854
465184

5593052
5983057
6181791

601133
636528
678428

6960429
6983752
6703673

2003

2004

2005

2006

2007

2008

2009

1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3

1
Deposits
5688469
6517245
7273935
7748367
8470281
9413798
9776954
13745707
15524825
16991227
16646831
22761286
22886528
26200692
29438222
34423936
37442290
45048869
51653534
54580452
54277747
57839008
61387914
70231950
72974267
81559681
87678434
100331448

2
3
4
5
6
7
Assets
Liabilities Profit
T Financing InvestmentFin. Income
7533012
5990230
32935
4198559
910520
97315
8820743
7144424
68403
5310849 1098592
94520
10294986
8524373
139563
5942474 1262824
93602
11187617
9351784
274131
7397479 1292461
375824
12992248 11027969
98191
8529586 1621948
101997
13967105 11981528
59228
9647919 1289245
116580
16158172 14210782
54416 11099284 1260358
143418
19894675 17585855
409674 12339660 1613957
535258
22882688 20188358
264230 14119983 1757880
239824
24230654 21466101
124136 15644023 1819070
303090
25109628 22088179
313432 17664733 1917241
419420
31224360 27721030
986022 19738699 2061009
1458637
32137171 28314479
414434 21517066 3499211
577011
35546786 31672024
97779 22664145 3212458
639290
39576816 35560560
193259 22501764 3550492
669934
47009046 41698778
925744 27029578 3394435
2704047
50583018 44989966
390097 27060535 3389819
973540
60627388 54644331
486010 28817423 5219200
1092094
65247205 59065414
388498 29758451 10583890
1176444
68261187 61713371 1509443 34575680 11361830
4574444
68672352 61711923
382814 38381769 11616261
1425715
72900242 65916490
255498 38300316 11747563
1470704
77189664 70485991
111851 40006454 14156863
1694806
85804930 79453979
992311 39768481 14569918
6807441
90212789 83026614
766687 35677047 18040176
2501289
100704096 91314608
526466 37799221 18529022
2379130
109406789 99467933
593848 37237830 22684138
2424990
125514416 115303093 2527406 44188066 24370190
10105518

8
9
10
11
12
Ser. Income other income TR
overheads EQUITY
10080
18675
115990
51561 1542782
12591
77377
171897
60738 1676319
15906
164276
257878
80493 1770613
68865
296027
671851
265635 1835833
36997
113649
215646
77014 1964279
38607
114344
230924
112240 1985577
43650
75922
219340
102540 1947390
164787
445426
980684
438861 2308820
79483
234611
474435
145099 2694330
61145
96022
399112
162116 2764553
76905
225018
644438
222535 3021449
311935
760586 2219223
773173 3503330
85902
250547
827558
238534 3822692
99709
98657
737947
223872 3874762
96256
190098
860032
271099 4016256
395332
794665 3498712 1088883 5310268
108722
246153 1219693
388997 5593052
127263
363119 1455213
444854 5983057
144101
374855 1551299
465184 6181791
554164
1642338 6216782 1874284 6547816
169780
303363 1729078
601133 6960429
195635
183707 1654411
636528 6983752
199113
63561 1758367
678428 6703673
706326
897598 7705039 2742267 6350951
173380
227624 2728913
824654 7186175
181181
486587 2865717
883254 9389488
177854
538289 2963279
899834 9938856
747943
1707492 11813010 3681088 10211323

2
3
4
1
2
3
4
1
2
3
4
1
2
4
1
2
3
4
1
2
3
4
1
2
3
4

ROA=PRO/A
SS
0.77547889
1.3556405
0.29702483
0.75576605
0.42405352
0.33677077
0.99443193
1.15471574
0.51230974
1.24825426
0.91026365
1.28957835
0.27507128
0.46857364
0.77120151
0.8016344
0.59542474
0.3586782
0.55744996
0.3504762
0.14490412
0.28220756
0.84986509
0.54278899
0.51022426
0.51022426

DA=D/A
73.88544
70.65512
69.25842
65.19488
67.39978
60.5078
69.09239
67.84529
70.12286
66.29661
72.89592
71.21513
73.70763
73.22832
74.02146
74.30449
79.1659
79.95825
79.03872
79.33994
79.52867
81.85072
80.89127
80.13985
79.93619
79.93619

IF=F IN/TF
1.779753
1.575135
1.221862
1.195802
1.208343
1.292137
1.404115
1.698472
1.937417
2.374335
2.514365
2.681643
2.820711
3.025619
3.597638
3.7897
3.953311
3.853477
3.714563
3.839927
4.236331
5.572795
7.010919
6.512168
6.336799
6.336799

SR=S
IN/TR
7.324735
6.168033
24.0217
17.15636
16.71849
19.90061
14.4653
16.75319
15.32026
11.93365
13.46219
10.38018
13.51167
10.57283
8.913882
8.745318
9.289054
8.745103
9.819106
11.82505
11.32375
5.532106
6.353445
6.001932
6.621238
6.621238

FA=TF/TA
60.20864
57.72202
66.12203
65.65135
69.07601
68.69146
62.02494
61.70596
64.56294
70.35044
63.2157
66.95383
63.75863
57.49867
53.49727
47.53202
45.60878
50.65203
55.89115
52.53798
51.82877
46.34755
39.54766
34.03612
35.20557
35.20557

LA=TL/TA
80.99572
82.80121
83.59049
84.88115
85.7839
87.94796
88.39478
88.22547
88.59068
87.96697
88.78014
88.10508
89.09954
88.70373
88.94283
90.13143
90.52558
90.4077
89.86429
90.42013
91.31532
92.59838
92.03419
90.91569
91.86442
91.86442

EA=F+IN/T
A
72.66328
69.98842
77.67463
78.13532
78.30659
76.49159
70.13745
69.3881
72.07025
77.98592
69.81635
77.84219
72.7959
64.71949
60.19877
56.14067
61.82999
67.29668
72.80664
68.65256
70.16913
63.32783
59.54502
54.76988
54.62182
54.62182

QA=EQ/T
A
19.00428
17.19879
16.40951
15.11885
14.2161
12.05204
11.60522
11.77453
11.40932
12.03303
11.21986
11.89492
10.90046
11.29627
11.05717
9.868571
9.474415
9.592297
10.13571
9.579875
8.684677
7.401616
7.965805
9.084314
8.135578
8.135578

OA=OV/T
A
0.688581
0.781866
0.651104
0.592769
0.803602
0.634601
0.739228
0.634099
0.669053
0.886254
0.779593
0.742237
0.629795
0.755978
0.769027
0.733751
0.712956
0.842718
0.875364
0.873149
0.87891
0.962856
0.914121
0.822466
0.855158
0.855158

CPI
106.92
108.89
112.15
112.81
115.96
118.69
120.41
124.37
126.09
128.82
130.66
132.97
135.73
142.26
143.17
145.23
151.8
154.77
163.38
176.5
188.1
190.9
194.53
199.69
207.14
210.99

2003

2004

2005

2006

2007

2008

2009

1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4
1
2
3
4

106.56
107.45
107.53
110.49
112.05
113.89
117.56
120.1
121.58
126.53
128.13
130.03
132.23
134.33
137.91
140.57
141.01
143.62
146.7
153.66
157.73
168.34
182.39
192.08
190.09
197.28

107.09
107.14
108.24
111.15
111.67
114.68
118.24
121.44
122.78
125.97
128.18
131.02
132.66
134.94
139.63
141.59
142.47
144.94
148.64
153.87
158.5
172.87
186.29
191.85
191.9
197.74

107.1
106.92
108.89
112.15
112.81
115.96
118.69
120.41
124.37
126.09
128.82
130.66
132.97
135.73
140.07
142.26
143.17
145.23
151.8
154.77
163.38
176.5
188.1
190.9
194.53
199.69

AVG
106.92
107.17
108.22
111.26
112.18
114.84
118.16
120.65
122.91
126.20
128.38
130.57
132.62
135.00
139.20
141.47
142.22
144.60
149.05
154.10
159.87
172.57
185.59
191.61
192.17
198.24

Quarterly ROA of Meezan Bank 2003

2009
1.5

ROA

1
0.5
0
1

11 13 15 17 19 21 23
Quarters

Meezan Bank 2003-

Series1

21 23 25 27