Академический Документы
Профессиональный Документы
Культура Документы
2012
CY06
CY07
Growth
9.5
Reserves (RS)
5.4
12 26.30%
15 177.80%
15.6
40.7 160.90%
Others (MISC)
0.8
0.4 -50.00%
31.3
68.1 117.60%
i
STATISTICS
AND DWH DEPARTMENT
STATE BANK PAKISTAN
2012
Vision
To Transform SBP into a modern and dynamic central bank, highly
professional and efficient, fully equipped to play a meaningful role, on
sustainable basis, in the economic and social development of Pakistan.
Mission
To promote monetary and financial stability and foster a sound and
dynamic financial system, so as to achieve sustained and equitable
economic growth and prosperity in Pakistan.
ii
2012
Team Leader
Shamsul Arifeen
Team Members
Zia-ul-Qamar
Joint Director
ziaulqamar@sbp.org.pk
Azam Ali
Joint Director
Azam.Ali@sbp.org.pk
Shahid Latif
Joint Director
shahid.latif@sbp.org.pk
Muhammad Saeed
Assistant Director
Muhammad.Saeed2@sbp.org.pk
iii
2012
CONTENTS
Preface
Executive Summary
vi
Introduction
1.1 Methodology
1.2 Concepts and Definitions
1.3 Performance Indicators
2
3
14
25
72
83
97
107
125
154
181
239
242
Appendix
Explanatory Notes
245
250
iv
2012
Preface
The financial sector, one of the most important components of the countrys economy having a share of
around 5% in the Gross Domestic Product essentially requires a sound, stable and robust financial system for
economic well being of the country and its populace.
Pakistans financial sector represents a well-developed integration of institutions of a diversified
nature including Banks, DFIs, Investment Banks, Leasing Companies, Modaraba Companies, Housing
Finance, Mutual Funds, Insurance Companies, Exchange Companies and Venture Capital. Disclosure
and transparency in information on business activities of financial institutions are therefore of immense
importance to all stakeholders.
An overview of business and financial conditions of financial institutions is presented in a structured
manner in form of financial statements. For large financial institutions, the financial statements are
often complex and are prepared under international accounting standards. These statements usually
include an extensive set of notes to the financial statements. The notes typically describe each item on
the balance sheet, income statement and cash flow statement in further detail.
The stakeholders and users, on the other hand, require financial indicators that can provide information
on how well the company is performing and what may happen in future. In order to meet the growing
needs of the users, Statistics & Data Warehouse Department carries out analysis of the financial statements of
all financial institutions on annual basis. Every endeavour is made to select useful and accurate data from
financial statements and compute ratios that can provide valuable clues about the financial health of
these institutions. The analysis is published in form of this publication namely Financial Statements
Analysis of Financial Sector. The publication covers analysis of financial statements of financial institutions
for the period 2008-12.
It is hoped that the publication will provide a tool to researchers, policy makers and investors to understand
the activities and performance of financial sector in Pakistan. Comments on the analysis and suggestions for
further improvements of the publication are very welcome.
2012
Executive Summary
Financial statements analysis of 180 companies from 10 sectors namely Banks, DFIs, Leasing
companies, Investment Banks, Mutual Funds, Modarabas, Exchange companies, Insurance companies,
Housing Finance and venture capital are included in this publication for the period 2008-12.
The balance sheet size of the banking sector expanded in CY12 and total assets of the sector grew
from Rs. 8.3 trillion in CY11 to Rs. 9.9 trillion in CY12 showing an increase of 19.3 percent. Profit
before taxation increased by 6.7 percent in CY12 over the previous year.
The balance sheet size of DFIs increased during 2012. Shareholders equity registered a reduction of
0.9 percent over the last year. The profit before taxation decreased by 25.8 percent and profit after
taxation by 34.0 percent during the year.
Outlook of leasing sector in the country has not been encouraging during FY12. Asset base decreased
by 0.3 percent from Rs 33.8 billion in FY11 to Rs 33.7 billion in FY12. The sector showed profit
before taxation of Rs. 27.0 million in FY12 as compared to Rs. 407.2 million in FY11.
The performance of investment banks has deteriorated over the year. Analysis revealed that their
balance sheet size squeezed by 35.8 percent in FY12 over FY11. The aggregate share capital remained
same. Losses before and after tax have been Rs. 2.3 billion and Rs. 2.0 billion respectively in FY12.
Gross revenue also witnessed a decrease of 34.3 percent during FY12.
Balance sheet size of Mutual Funds contracted by 6.1 percent in FY12 over FY11. Total assets
decreased from Rs. 25.9 billion in FY11 to Rs. 24.3 billion in FY12. Net income was Rs. 2.6 billion in
FY12 as compared to Rs. 4.3 billion for FY11.
Modaraba Companies performed well during FY12. Total assets increased from Rs. 26.4 billion in
FY11 to Rs 29.5 billion in FY12 showing an increase of 12.1 percent. Total equity witnessed an
increase of 4.0 percent in FY12 over FY11. Profit before and after taxation increased by 16.3 percent
& 16.2 percent respectively in FY12 over FY11.
vi
2012
Exchange Companies exhibited an expansion in their balance sheet size during the period under
review. Total assets increased by 6.1 percent to stand at Rs 8.0 billion in CY12 as compared to Rs 7.6
billion in CY11.Increases in profit before and after taxation of 63.9 percent and 61.0 percent
respectively was recorded in CY12 over CY11.
CY12 turned out to be positive for insurance sector in Pakistan. The aggregate insurance business
grew sharply during CY12. Its balance sheet size expanded by 18.8 percent and reached Rs 597.8
billion in CY12. Profit before and after taxation increased considerably during CY12
In the housing finance sector, there has been one company available, i.e., House Building Finance
Company Ltd. (HBFCL). Total assets witnessed an increase of around 3 percent to stand at Rs 20.1
billion in CY12 as compared to Rs. 19.6 billion in CY11. HBFCL showed a loss before taxation of
Rs.172.1 million.
vii
2012
Introduction
Statistics and Data Warehouse Department strives hard to disseminate quality statistics. It not only
produces primary data but also provides secondary data with analysis to the various stakeholders
including researchers and policy makers. As the performance of financial sector reflects the financial
health of an economy, standard analytical tools are used to gauge the performance of this vital sector.
The analysis1 includes the following sectors2:
Banks
DFIs
Investment Banks
Leasing Companies
Modaraba Companies
Insurance Companies
Exchange Companies
Mutual Funds (close ended)
Housing Finance
Venture Capital
Consolidation is provided at the beginning of each sectors analysis. For banks, consolidation is at
different levels. At first level, overall consolidation of all banks including foreign banks is given. The
information and ratios relating to number of ordinary shares, dividend earning per share and breakup
value per share are not taken into consideration because foreign banks do not have such type of
information. The level of consolidation for banks is as follows:
Local Banks
Specialized Banks
Foreign Banks
Similarly, consolidated analysis of insurance companies is also provided to reflect financial health of
Insurance Sector. The level of consolidation is as follows:
Since each sector has peculiar business activities, therefore, for analysis separate set of variables was taken into consideration. Similarly, an
associated set of financial ratios has also been selected for each sector.
2
Sector-wise list of analyzed financial institutions is provided in appendix at the end of the text.
Life Insurance
Non-Life Insurance
Takaful
2012
1.1 Methodology
Methodology used for analysis is ratio analysis because it is a powerful tool to analyze financial
statements of any company. Ratio analysis measures inter-relationship between various items of the
financial statements. Ratios are taken as guide lines for these are useful in evaluating a companys
financial position and operation and making comparison with results in previous years or with others
in the same industry. The primary objective of ratio analysis is to point out areas requiring further
investigation. Ratios are calculated from the following financial statements and relevant notes to
accounts.
Balance Sheet
Total equity is computed as the sum of ordinary share capital plus reserve & surplus plus unappropriated profit/loss while the revaluation, intangible assets etc. are clubbed together in others of
total equity section. For foreign banks, the ordinary share capital is replaced by head office capital
account. Since the financial sector comprises variety of financial institutions having peculiar business
activities, therefore, variables used for analysis would be different for each sector.
2012
Shareholders Equity
The sum of following items except others is considered for analysis:
Ordinary Share Capital or Head Office Account (in case of foreign bank)
Reserves
Un-appropriated Profit/Loss
Others
Liabilities
Bills Payables, borrowings and deposits being the major items contributing towards
liabilities of banks and DFIs are taken for analysis, the remaining heads of liabilities are
pooled under others:
Bills Payables
Others
Assets
The following items are included in the analysis. The relevant information is taken from
balance sheet as well as respective notes to accounts.
Advances Non-Performing/Classified
Provision Against Advances
Advances Net of Provision
Fixed Assets
Others
Interest Earned
Interest Expensed
Non-Interest Income
Non-Interest Expense
2012
Administrative Expenses
Other Items
Cash Dividend
The amount of cash dividend is taken as the percentage declared during the
period.
Leasing Companies
Following variables are involved in the analysis of leasing companies:
Shareholders Equity
Shareholders equity includes share capital, reserves and un-appropriated profit/loss. Any
other item(s) mentioned in the balance sheet under shareholders equity is pooled under the
head others.
Liabilities
Borrowings from financial institutions and deposits with financial institutions are the major
items contributing towards liabilities of leasing companies. For analysis, these two items are
taken separately while the remaining items of liabilities are pooled under others
2012
Assets
Assets are classified into current and non-current. Major items of non-current assets are
mentioned below where remaining items of non-current assets are pooled under others
Non-Current Assets
Net Finance-Investment
Advances Net
Fixed Assets
Others
Current Assets
Three main items are taken for analysis while the rest are pooled under others
Others
Administrative Expenses
Other Income
Other Items
Cash Dividend
The amount of cash dividend is taken as percentage of the dividend declared during
the period.
2012
Stock Dividend
The number of bonus shares declared is also taken as percentage amount during the
period.
Investment Banks
Following variables are used in the analysis of investment banks:
Shareholders Equity
The composition and explanation of shareholders equity is same as explained earlier.
Liabilities
The amount of current and non-current liabilities is taken from the balance sheet and the
sum of these two is the same as total liabilities of the company.
Assets
Current assets are classified into cash and bank balances and others while non-current
assets are divided into three heads i.e., long term investment, fixed assets, and others.
Current Assets
Non-Current Assets
Others
Fixed Assets
Others
Gross Revenues
Operating Profit
2012
Other Items
These include:
Cash Dividend
Stock Dividend
Shareholders Equity
The composition and explanation of shareholders equity is same as explained earlier.
Liabilities
As the financial activities of mutual funds are limited, the composition of liabilities is divided
into two heads as follows:
Others
Assets
The asset base of mutual fund is also not broad, therefore, for analysis it is limited to three
items. These are available in the companys balance sheet and notes to financial statements.
Investment
Others
Other Income
Remuneration to Management
Co-advisor
Remuneration to Trustees/Custodian
Brokerage, Commission /Fee
Administrative and General
Expenses
Other Expenses
2012
Other Items
The information on the following is extracted from the balance sheet and relevant notes to
financial statements:
Cash Dividend
Stock Dividend
Modaraba Companies
Following variables are included in the analysis of modaraba companies:
Certificates Capital
Reserves
Un-appropriated Profit/Loss
Others
Liabilities
These include current and non-current liabilities taken from the balance sheet.
Assets
The current and non-current assets and their break up are taken from balance sheet. In case of
current assets the amount of cash and bank balances is taken separately while the remaining
current assets are pooled under others. Similarly, long term investment and fixed assets are
taken individually while the remaining non-current assets are pooled under others.
Current Assets
Non-Current Assets
Others
Fixed Assets
Others
2012
Gross Revenues
Operating Expenses
Operating Profit
Other Items
These include:
Cash Dividend
Stock Dividend
Exchange Companies
Following variables are included for analysis of exchange companies:
Shareholders Equity
Share Capital
Reserves
Accumulated Profit/Loss
Others
Liabilities
These include:
Current Liabilities
Non-current Liabilities
Assets
These include:
Current Assets
Non-Current Assets
Others
Fixed Assets
Others
2012
Revenues
Other Items
The following items are extracted mainly from notes to accounts of the company:
Cash Dividend
Stock Dividend
Housing Finance
Following variables are involved in the analysis of housing finance company:
Shareholders Equity
The total shareholders equity is taken as sum of share capital, reserves, and un-appropriated
profit/loss while other items in the shareholders equity section of balance sheet are pooled
under others.
Share Capital
Reserves
Un-appropriated profit/Loss
Others
Liabilities
These include current and non-current liabilities, the amounts of lease finance and long-term
finance are extracted from non-current liabilities section while the remaining items of noncurrent liabilities are pooled under others.
Current liabilities
Noncurrent liabilities
10
Lease Finance
Others
2012
Assets
The following items of current and non-current assets are taken for analysis:
Current Assets
Non-Current Assets
Others
Fixed Assets
Others
Revenue
Other Expenses
Other Items
These include:
Cash Dividend
Stock Dividend
11
2012
Venture Capital
Following variables are included in the analysis of venture capital:
Shareholders Equity
The shareholders equity is the sum of share capital, reserve and un-appropriated profit/loss,
while the remaining items are pooled under others.
Share Capital
Reserves
Un Appropriated Profit/Loss
Others
Liabilities
These include current and non-current liabilities.
Current Liabilities
Non-Current Liabilities
Assets
The current and non-current assets include.
Current Assets
Non-Current Assets
Investment
Investment
Venture Investment
Others
Fixed Assets
Others
Income
Operating Profit
12
Other Items
These include:
Cash Dividend
Stock Dividend
Insurance Companies
Following variables are involved in the analysis of Insurance Companies:
Shareholders Equity
These include:
Share Capital
Reserves
Un-appropriated Profit/Loss
Others
Liabilities
These include:
Other Liabilities
Assets
These include:
13
Advances
2012
Loan to Employees
Other Assets
2012
Securities
Interest/Investment Income
Net Claims
Net Premium
Underwriting Profit
Gross Premium
Gross Claims
Other Items
These include:
Cash Dividend
Stock Dividend
Efficiency/Profitability Ratio
Spread Ratio
=
14
2012
Spread is the gap between interest rate a bank charges on loans and rate pays on deposits. The amount
of total interest earned divided by the total interest paid to depositors as mentioned in the income
statement. This ratio is useful for Banks and DFIs.
*100
This ratio indicates the earning capacity through core banking business by utilizing all assets. Banks
normally borrow from savers and lend to investors. It is the ratio between the difference of interest
income and interest expense to total assets. It is also useful for Banks and DFIs.
This ratio expresses the capacity of earning profit by a bank on its total assets employed in the
business. It is calculated as percentage of net profit after tax to total assets. It is useful for whole
financial sector.
Ratio on incomes earned other than mark-up e.g. capital gains, commission, fee to total assets etc. This
ratio expresses how much income is earned other than mark-up through other functions of the bank by
employing total assets. It is useful for Banks and DFIs.
15
2012
Interest Ratio
This ratio expresses the payment of interest mainly to depositors. The lower the ratio, the less the
company is burdened by debt expenses. It is useful for Banks and DFIs.
This ratio expresses the relationship between administrative expenses and profit before tax. It is useful
for whole financial sector.
This is the ratio between interests earned less provision to total assets. It is useful for Banks and DFIs.
The ratio expresses the percentage of non-interest expenses to total income which reflects efficiency of
management in applying the banks resources. It is useful for Banks and DFIs.
This ratio expresses total administrative expenses to non-interest income. It is useful for Banks and
DFIs.
16
2012
EPS is the ratio between net profit after tax to number of shares outstanding at the end of the year as
shown in balance sheet and its relevant notes to accounts. It is useful for whole financial sector except
for Modaraba Companies where certificates are issued for raising capital.
ROCE is a ratio that indicates the efficiency and profitability of a companys capital investments. The
amount of capital employed is calculated by subtracting current liabilities from total assets. It is useful
for whole financial sector except for banks, DFIs, Insurance, mutual fund.
This is a measure of a companys profitability, calculated as net income divided by revenue. This ratio
is useful for Leasing Company, Mutual Fund, etc.
Lease Ratio
The core function of a leasing company is to earn profit from operating and financial lease. This ratio
expresses how much portion of total income is being generated through its core business. It is useful
for leasing company.
Gain Ratio
A total gain comprises gain on sales of securities, gain on re-measurement, gain on disposal of longterm investment, etc. It is useful for Mutual Fund.
17
2012
The core business of mutual fund is to gain from trading of shares and securities and the higher ratio
reflects that funds are being efficiently managed. Both figures are taken from the income statement. It
is useful for Mutual Fund.
This ratio expresses the relationship of net investment in finance lease to total assets. This ratio is
useful for leasing companies.
The ratio between profits after tax to number of certificates is an important efficiency ratio because it
reflects how much amount is earned on each certificate. It is useful for Modaraba Companies.
18
2012
The ratio shows the percentage of underwriting profit as of net profit. Underwriting profit is net of
underwriting income and expenses of the cost of obtaining new policies. This ratio is useful for
insurance companies.
The ratio shows the relationship between investment income and net premium. This is one of the ratios
used to measure efficiency of an insurance company.
Liquidity Ratios
Cash and Balances with Banks to Total Assets
This ratio expresses the percentage of total assets available in the form of highly liquid assets.
The ratio shows what percentage of total assets comprises total deposits and other accounts.
The ratio between Investment and total assets shows investment activity with reference to its total
assets. It indicates the portion of total assets used for investment in various venues. This ratio is useful
for banks, DFIs and insurance companies.
19
2012
This ratio expresses the relationship of advances (net) to total assets. This ratio is useful for banks and
DFIs.
The ratio shows the proportion of banks assets, which are financed through debt. This ratio is useful
for banks and DFIs.
The ratio expresses the percentage of gross advances to deposits and borrowings. This ratio shows
activity of a banking business as it reflects that advances are being made more/less than deposits. This
ratio is useful for banks and DFIs.
Current Ratio
This ratio shows how many times current assets cover current liabilities and the strength of the
company to pay immediate liabilities. This ratio is used for whole financial sector except for banks
and DFIs.
The ratio between long-term investments to total assets shows investment activity with reference to its
total assets. It indicates the portion of total assets used to invest in different venues.
20
2012
This ratio expresses the quality of loan portfolio of a bank. It shows the percentage of NPLs as gross
advances made by a bank and evaluates assets quality based on loan portfolio. This ratio is useful for
banks and DFIs.
The ratio between provisions against classified loans/advances to gross advances reflects the quality of
advances of banks and DFIs.
Where,
Total Shareholders Equity (Pakistani Banks) = Share Capital + Reserves + Un-appropriated Profit (Loss)
Total Shareholders Equity (Foreign Banks) =H.O Capital Account + Reserves +Unremitted Profit
The ratio between NPLs to shareholders equity indicates the exposure of the common shareholders to
NPLs. This ratio is useful for banks and DFIs.
The ratio reflects what percentage of provision has been made against NPLs. This ratio is useful for
Banks and DFIs.
21
2012
Capital/Leverage Ratios
Capital Ratio
Where,
Total Shareholders Equity (Pakistani Banks) = Share Capital + Reserves + Un-appropriated Profit
(Loss)
Total Shareholders Equity (Foreign Banks) =H.O Capital Account + Reserves +Unremitted Profit.
The ratio between shareholders equity and total assets expresses the percentage of equity in total
assets.
The ratio between contingent liabilities and commitments to shareholders equity expresses exposure
of contingent liabilities and commitments by banks.
Break-up Value is net worth per share and is an important criterion to measure financial soundness of
a company. The break-up value is calculated for whole financial sector except in case of foreign banks
and Modaraba Companies.
The ratio shows the relationship between total deposits in a bank to the total shareholders equity.
Break-up value is net worth per certificate and is one of the important criteria to measure the financial
soundness of a company. This ratio is calculated for Modaraba Companies only.
22
2012
The ratio expresses the percentage of equity in total assets. It is calculated for Modaraba Companies
only.
The ratio reflects cash generation strength of a company to meet current liabilities. This ratio is
calculated for all sectors except investment banks, insurance companies, banks, DFIs and mutual
funds.
23
24
2011
2012
BANKS
PERFORMANCE AT A GLANCE
The balance sheet size of the banking sector expanded in CY12 and total assets of the sector grew
from Rs. 8.3 trillion in CY11 to Rs. 9.9 trillion in CY12 showing an increase of 19.3 percent. Profit
before taxation increased by 6.7 percent in CY12 over the previous year.
25%
10,000
Billion Rs.
12,000
20%
19%
8,000
15%
6,000
10%
9%
4,000
5%
2,000
0
20%
0%
Total SHE
Total
Liabilities
Total Assets
CY 11
776
7,487
8,295
CY 12
842
8,981
9,896
Growth
9%
20%
19%
ANALYSIS OF LIABILITIES
Total deposits rose to Rs 7.4 trillion in CY12
100%
Others
Deposits
Borrowings
Bills payable
80%
60%
40%
20%
0%
CY 11
liabilities.
25
CY 12
2012
ANALYSIS OF ASSETS
Total assets of the banking sector
increased from Rs 8.3
registering
an
increase
of
19.3
Billion Rs.
CY11 to Rs
trillion in
percent in CY12.
Lending
to
financial
institutions
5,000
4,500
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
45%
35%
32%
25%
18%
12%
15%
5%
-5%
-15%
-18%
-25%
Cash &
Cash Equl.
Lending
Investment
Advances
CY 11
896
208
3,079
3,838
CY 12
1,060
171
4,066
4,307
Growth
18%
-18%
32%
12%
of Pakistani banks, the lending decreased by 25.7 percent in CY12, however, in case of foreign banks,
it increased by 64 percent.
Analysis of Advances
NPLs
to
advances
ratio
Billion Rs.
5,000
4,500
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
13%
12%
12%
10%
8%
6%
5%
6%
4%
2%
Adv. Gross
NPL
Provision
Adv. Net
CY 11
3,838
573
401
3,437
CY 12
4,307
600
426
3,881
Growth
12%
5%
6%
13%
26
14%
0%
2012
CY 12
400.0
350.0
300.0
Billion Rs.
CY 11
183.2
250.0
200.0
121.4
150.0
100.0
171.7
115.5
50.0
0.0
Profit Before Taxation
50.0%
40.0%
CY 12
35.0%
Growth
45.0%
CY 11
46.1%
42.9%
30.0%
25.0%
20.0%
15.0%
5.0%
14.9%
14.4%
10.0%
1.4% 1.2%
0.0%
Spread Ratio
ROE
ROA
799.5
Interest Income
Non-Interest Income
84.8%
15.2%
CY 12
28.4 percent
87.1%
12.9%
CY 11
Percentage.
27
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
505,469,823
277,045,918
148,257,246
80,166,659
62,957,129
5,074,573,572
69,530,488
460,028,229
4,226,432,569
318,582,286
5,643,000,524
477,615,770
184,087,341
188,414,080
1,085,196,330
3,417,406,346
313,020,509
237,965,887
3,179,440,459
191,279,879
336,966,665
582,598,286
322,555,374
163,552,147
96,490,765
84,003,150
5,864,049,257
71,535,885
659,274,039
4,797,876,214
335,363,119
6,530,650,693
537,292,488
195,972,436
238,445,016
1,708,679,933
3,564,239,824
425,320,610
304,669,387
3,259,570,437
192,043,955
398,646,428
608,877,873
348,918,576
180,810,459
79,148,838
88,918,247
6,487,089,832
75,421,757
550,000,562
5,513,917,020
347,750,493
7,184,885,952
595,747,162
180,559,909
214,680,843
2,175,903,429
3,789,016,135
562,428,103
372,648,121
3,416,368,014
203,626,548
398,000,047
775,509,119
452,485,660
188,764,710
134,258,749
32,403,813
7,487,012,740
85,260,553
683,657,769
6,322,351,444
395,742,974
8,294,925,672
702,543,369
193,122,487
207,550,849
3,079,015,043
3,838,001,919
573,055,250
400,846,488
3,437,155,431
218,291,515
457,246,978
841,961,117
466,753,970
215,437,093
159,770,054
73,986,937
8,980,526,575
112,340,488
1,032,462,262
7,412,335,990
423,387,834
9,896,474,628
842,600,994
217,533,957
170,628,139
4,065,901,747
4,306,883,138
600,208,608
426,045,957
3,880,837,181
225,158,715
493,813,895
482,070,799
246,295,314
235,775,485
104,266,763
130,344,598
103,289,492
166,010,509
160,702,985
63,261,197
43,415,974
593,703,103
326,058,617
276,157,706
113,917,187
162,212,990
106,091,369
190,059,825
182,414,959
69,304,886
48,198,550
630,569,606
337,669,590
287,472,434
78,361,932
212,455,704
105,468,634
207,934,611
201,053,704
113,795,360
71,158,233
752,638,230
407,410,190
346,556,416
60,554,101
298,589,035
111,791,427
233,025,411
228,321,908
171,693,258
115,504,513
799,520,878
456,268,314
343,252,564
39,757,645
303,494,918
143,507,792
252,070,262
258,767,558
183,228,944
121,437,317
1,849,272
2,565,591,273
604,337,114
3,078,623,557
502,982,911
3,121,226,583
1,036,423,916
3,725,659,708
1,160,622,157
3,815,235,353
E.Other items
1.Cash generated from operating activities
2.Commitments and contigencies
48.91%
4.18%
8.59%
0.77%
1.83%
2.31%
51.09%
2.54
28.36%
1.56
46.51%
4.10%
8.27%
0.74%
1.62%
2.48%
54.92%
2.63
27.16%
1.72
45.59%
4.08%
11.69%
0.99%
1.47%
2.96%
53.55%
1.77
28.25%
1.91
46.05%
4.16%
14.89%
1.39%
1.35%
3.60%
54.13%
1.33
26.96%
2.04
42.93%
3.47%
14.42%
1.23%
1.45%
3.07%
57.07%
1.41
26.73%
1.80
11.73%
19.23%
56.34%
74.90%
89.93%
80.86%
72.92%
11.23%
26.16%
49.91%
73.47%
89.79%
74.29%
65.31%
10.80%
30.28%
47.55%
76.74%
90.29%
68.72%
62.48%
10.80%
37.12%
41.44%
76.22%
90.26%
60.71%
54.78%
10.71%
41.08%
39.21%
74.90%
90.74%
58.10%
51.00%
9.16%
6.96%
61.93%
43.82%
76.02%
11.93%
8.55%
73.00%
37.39%
71.63%
14.84%
9.83%
92.37%
21.03%
66.26%
14.93%
10.44%
73.89%
15.11%
69.95%
13.94%
9.89%
71.29%
9.33%
70.98%
8.96%
5.08
8.36
8.92%
5.28
8.24
8.47%
5.13
9.06
9.35%
4.80
8.15
8.51%
4.53
8.80
0.04
12.54
7.07
8.97
9.56
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
28
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
470,965,547
244,915,598
148,181,461
77,868,488
63,489,982
4,873,983,320
65,107,084
442,681,300
4,078,494,404
287,700,532
5,408,438,849
442,680,478
165,718,117
158,500,096
1,062,603,406
3,312,965,635
309,884,247
235,446,658
3,077,518,977
187,582,375
313,835,400
546,749,512
287,671,156
163,459,432
95,618,924
84,112,627
5,658,751,947
67,938,226
642,543,459
4,636,939,784
311,330,478
6,289,614,086
502,499,262
179,702,590
206,327,062
1,656,307,323
3,469,125,954
418,929,619
299,881,001
3,169,244,953
188,454,465
387,078,431
574,079,220
314,927,769
180,684,886
78,466,565
89,209,049
6,288,344,314
69,858,475
534,575,425
5,357,586,227
326,324,187
6,951,632,583
562,952,621
176,488,166
178,200,677
2,096,093,732
3,717,521,146
553,335,344
366,781,129
3,350,740,017
201,403,429
385,753,941
732,822,285
413,765,907
188,615,424
130,440,954
32,560,623
7,274,267,780
81,275,225
662,193,418
6,154,480,617
376,318,520
8,039,650,688
664,067,126
188,693,849
189,196,778
2,965,633,639
3,764,786,355
565,454,728
394,042,579
3,370,743,776
216,115,028
445,200,492
801,196,356
425,604,902
215,282,161
160,309,293
73,968,598
8,774,618,907
108,655,410
1,008,646,671
7,253,632,928
403,683,897
9,649,783,860
800,866,895
203,531,469
140,525,618
3,980,382,885
4,239,011,224
591,096,037
417,495,723
3,821,515,501
223,417,378
479,544,114
463,838,210
237,196,646
226,641,564
99,698,545
125,735,437
97,517,397
155,635,765
150,384,735
63,254,685
42,765,351
571,440,077
313,861,482
266,091,815
109,190,178
156,872,452
100,482,691
178,005,794
170,516,859
70,155,458
49,007,928
610,157,558
332,575,929
277,581,629
75,740,441
205,142,052
100,630,451
198,397,770
191,692,767
111,748,712
70,198,522
728,610,517
395,227,090
334,711,803
59,207,308
288,049,027
107,240,006
223,295,265
218,688,135
166,092,836
111,843,855
779,055,794
446,233,606
332,822,188
37,855,378
294,966,809
138,829,871
240,623,490
247,400,635
182,312,568
121,664,530
24,452,483
28,727,998
31,439,491
41,323,258
1,890,664,116
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
N/A
N/A
(30,881,293)
2,165,108,445
N/A
N/A
577,721,142
2,689,531,535
N/A
N/A
490,297,865
2,675,985,776
N/A
N/A
1,008,200,055
3,269,242,950
N/A
N/A
1,151,029,859
3,406,703,080
48.86%
4.19%
9.08%
0.79%
1.80%
2.32%
51.14%
2.38
27.72%
1.54
1.75
46.57%
4.10%
8.96%
0.78%
1.60%
2.49%
54.92%
2.43
26.49%
1.70
1.71
45.49%
3.99%
12.23%
1.01%
1.45%
2.95%
54.51%
1.72
27.91%
1.90
2.23
45.94%
4.15%
15.26%
1.39%
1.33%
3.58%
54.24%
1.32
26.71%
2.04
2.71
42.72%
3.45%
15.19%
1.26%
1.44%
3.06%
57.28%
1.36
26.21%
1.78
0.06
11.25%
19.65%
56.90%
75.41%
90.12%
81.23%
73.28%
10.85%
26.33%
50.39%
73.72%
89.97%
74.81%
65.71%
10.64%
30.15%
48.20%
77.07%
90.46%
69.39%
63.09%
10.61%
36.89%
41.93%
76.55%
90.48%
61.17%
55.23%
10.41%
41.25%
39.60%
75.17%
90.93%
58.44%
51.31%
9.35%
7.11%
65.80%
42.34%
75.98%
12.08%
8.64%
76.62%
36.41%
71.58%
14.88%
9.87%
96.39%
20.65%
66.29%
15.02%
10.47%
77.16%
15.03%
69.69%
13.94%
9.85%
73.78%
9.07%
70.63%
8.71%
4.60
19.26
8.66
8.69%
4.92
19.03
8.48
8.26%
4.66
18.26
9.33
9.12%
4.46
17.73
8.40
8.30%
4.25
0.42
9.05
-0.72
11.79
6.98
9.01
9.46
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
29
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
93,237,138
18,544,359
29,033,178
45,659,601
18,749,454
930,323,564
11,663,371
53,675,530
819,683,051
45,301,612
1,042,310,156
119,322,457
44,286,770
20,394,708
204,784,000
629,389,241
102,628,919
68,723,074
560,666,167
28,051,915
64,804,139
107,010,826
21,339,327
31,486,173
54,185,326
24,580,515
1,049,639,678
12,159,963
62,285,275
926,628,132
48,566,308
1,181,231,019
129,608,813
33,955,399
23,263,730
262,331,351
702,632,358
118,528,163
80,452,578
622,179,780
29,890,350
80,001,596
105,265,258
24,030,254
27,923,238
53,311,766
40,149,918
1,185,232,528
8,970,578
35,045,634
1,087,487,521
53,728,795
1,330,647,704
135,642,657
36,122,514
33,849,174
380,720,883
718,055,264
168,813,094
93,825,342
624,229,922
32,465,159
87,617,395
127,790,619
41,414,298
29,284,865
57,091,456
41,572,689
1,398,775,930
10,375,239
76,090,790
1,248,188,262
64,121,639
1,568,139,238
153,973,974
34,010,092
65,732,828
479,342,863
789,506,985
166,497,486
97,029,696
692,477,289
34,777,267
107,824,925
136,971,590
44,283,634
33,051,513
59,636,443
56,469,348
1,651,789,530
17,151,226
151,891,929
1,414,856,825
67,889,550
1,845,230,468
182,782,467
36,706,462
20,184,313
588,083,288
967,793,422
163,435,430
102,918,240
864,875,182
36,342,749
116,256,007
82,390,735
42,609,185
39,781,550
30,489,527
9,292,023
21,028,786
23,756,378
21,993,798
6,564,431
5,642,453
100,164,255
59,860,679
40,303,576
32,491,627
7,811,949
23,742,739
28,073,776
26,787,981
3,480,912
6,672,253
112,480,667
67,660,293
44,820,374
13,736,092
31,729,814
20,153,147
32,695,068
31,644,453
31,592,317
22,372,156
129,208,288
77,609,982
51,382,142
12,227,283
44,341,083
22,933,945
34,248,745
37,487,659
29,426,910
19,900,186
140,932,616
88,827,251
52,105,365
7,498,858
44,606,507
29,593,719
32,192,707
44,823,212
28,522,167
19,839,142
1,854,436
2,133,932
2,403,025
4,141,429
1,852,589,678
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
N/A
N/A
(45,155,885)
294,175,142
N/A
N/A
974,839
290,828,179
N/A
N/A
126,587,260
453,490,628
N/A
N/A
107,777,017
598,692,114
N/A
N/A
132,675,084
669,675,039
48.28%
3.82%
6.05%
0.54%
2.02%
0.89%
51.72%
3.35
22.97%
1.05
3.04
40.24%
3.41%
6.24%
0.56%
2.01%
0.66%
59.76%
7.70
22.66%
1.13
3.13
39.85%
3.37%
21.25%
1.68%
1.51%
2.38%
60.15%
1.00
24.65%
1.57
9.31
39.77%
3.29%
15.57%
1.27%
1.46%
2.83%
60.07%
1.27
22.51%
1.63
4.81
36.97%
2.82%
14.48%
1.08%
1.60%
2.42%
63.03%
1.57
18.88%
1.51
0.01
15.70%
19.65%
53.79%
78.64%
89.26%
76.78%
72.07%
13.85%
22.21%
52.67%
78.45%
88.86%
75.83%
71.05%
12.91%
28.61%
46.91%
81.73%
89.07%
66.03%
63.97%
11.99%
30.57%
44.16%
79.60%
89.20%
63.25%
59.62%
11.89%
31.87%
46.87%
76.68%
89.52%
68.40%
61.77%
16.31%
10.92%
110.07%
44.37%
66.96%
16.87%
11.45%
110.76%
40.39%
67.88%
23.51%
13.07%
160.37%
14.64%
55.58%
21.09%
12.29%
130.29%
12.60%
58.28%
16.89%
10.63%
119.32%
7.29%
62.97%
8.95%
3.16
50.28
8.79
9.06%
2.72
50.15
8.66
7.91%
4.31
43.81
10.33
8.15%
4.68
30.86
9.77
7.42%
4.89
0.07
10.33
-8.00
0.15
5.66
5.42
6.69
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
30
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,135,800
283,650
228,540
623,610
(32,767)
6,200,688
101,993
27,140
5,939,308
132,247
7,303,721
575,929
400,761
350,849
2,264,088
3,409,842
105,512
105,512
3,304,330
174,833
232,931
1,058,318
283,650
228,540
546,128
35,049
9,164,693
89,020
31,328
8,756,793
287,552
10,258,060
713,140
586,849
1,136,025
4,097,423
3,481,854
207,633
207,633
3,274,221
203,972
246,430
1,084,517
283,650
233,282
567,585
21,504
11,597,139
102,182
966,885
10,195,214
332,858
12,703,160
836,311
600,228
926,323
3,430,251
6,535,694
430,232
227,554
6,308,140
188,248
413,659
1,645,428
1,080,038
284,991
280,399
74,136
14,408,971
96,417
51,100
13,814,854
446,600
16,128,535
973,701
561,555
1,605,946
4,730,434
7,901,127
523,443
200,064
7,701,063
229,344
326,492
1,991,641
1,494,113
293,863
203,665
85,599
20,413,560
548,727
73,340
19,193,344
598,149
22,490,800
1,188,234
636,034
4,219,779
7,263,885
8,573,327
612,714
238,684
8,334,643
239,084
609,141
736,103
212,601
523,502
50,153
473,349
90,343
373,249
367,798
190,443
106,020
896,476
408,000
488,476
179,549
308,927
66,879
462,060
451,930
(86,254)
(80,101)
1,374,548
763,841
610,707
76,899
533,808
57,141
536,272
533,679
54,677
23,711
1,918,759
1,176,451
742,308
5,475
747,783
253,719
601,399
600,986
400,103
258,547
1,798,231
1,037,893
760,338
50,508
709,830
95,581
716,920
716,657
88,491
43,556
28,365
0.00%
0.00%
(930,303)
202,048
28,365
0.00%
0.00%
2,108,232
226,087
28,365
0.00%
0.00%
(521,807)
201,272
108,004
0.00%
0.00%
1,070,465
297,230
149,411
0.00%
0.00%
2,531,961
807,143
71.12%
7.17%
9.33%
1.45%
1.24%
6.48%
28.88%
1.93
45.16%
4.07
3.74
54.49%
4.76%
-7.57%
-0.78%
0.65%
3.01%
45.51%
-5.24
47.96%
6.76
-2.82
44.43%
4.81%
2.19%
0.19%
0.45%
4.20%
55.57%
9.76
37.46%
9.34
0.84
38.69%
4.60%
15.71%
1.60%
1.57%
4.64%
61.31%
1.50
27.68%
2.37
2.39
42.28%
3.38%
2.19%
0.19%
0.42%
3.16%
57.72%
8.10
37.86%
7.50
0.29
13.37%
31.00%
45.24%
81.32%
84.90%
57.41%
57.15%
12.67%
39.94%
31.92%
85.37%
89.34%
39.76%
39.62%
11.31%
27.00%
49.66%
80.26%
91.29%
64.11%
58.55%
9.52%
29.33%
47.75%
85.65%
89.34%
57.19%
56.98%
8.11%
32.30%
37.06%
85.34%
90.76%
44.67%
44.50%
3.09%
3.09%
9.29%
47.53%
100.00%
5.96%
5.96%
19.62%
86.47%
100.00%
6.58%
3.48%
39.67%
33.79%
52.89%
6.62%
2.53%
31.81%
2.74%
38.22%
7.15%
2.78%
30.76%
21.16%
38.96%
15.55%
0.18
40.04
5.23
10.32%
0.21
37.31
8.27
8.54%
0.19
38.23
9.40
10.20%
0.18
15.23
8.40
8.86%
0.41
13.33
9.64
-8.77
-26.32
-22.01
4.14
58.13
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
31
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
81,367,002
8,969,751
19,941,047
52,456,204
21,092,216
715,299,108
10,219,061
40,458,926
624,939,016
39,682,105
817,758,326
106,503,756
38,344,608
17,128,032
170,822,491
457,828,029
56,502,583
44,841,164
412,986,865
24,217,655
47,754,919
95,855,355
10,763,702
23,395,059
61,696,594
24,937,197
825,460,717
10,621,169
44,828,138
727,513,013
42,498,397
946,253,269
116,668,514
28,786,397
19,683,526
217,596,037
531,103,507
71,174,034
55,765,068
475,338,439
25,200,870
62,979,486
105,687,665
13,454,629
25,129,425
67,103,611
25,611,167
906,719,635
8,006,631
19,657,207
832,134,054
46,921,743
1,038,018,467
115,657,025
30,743,368
23,051,171
301,078,498
540,130,378
86,871,353
61,243,623
478,886,755
27,620,697
60,980,953
112,671,683
16,818,285
26,212,505
69,640,893
23,282,533
1,019,012,206
9,104,710
27,671,745
927,410,553
54,825,198
1,154,966,422
131,843,344
28,070,350
43,973,531
319,353,392
595,630,955
88,391,640
67,509,359
528,121,596
29,064,564
74,539,645
119,434,799
18,500,114
30,305,210
70,629,475
36,743,263
1,159,982,395
14,367,639
51,112,248
1,038,094,985
56,407,523
1,316,160,457
158,756,638
30,895,173
8,280,997
342,964,635
734,349,374
89,159,413
73,349,374
661,000,000
29,714,221
84,548,793
60,942,798
23,884,768
37,058,030
10,970,814
26,087,216
16,415,862
19,502,080
18,171,198
23,000,998
15,458,590
78,124,796
40,448,291
37,676,505
11,820,292
25,856,213
19,109,332
23,766,703
22,816,665
21,198,842
17,449,042
88,681,381
45,169,744
43,511,637
10,009,482
33,502,155
18,150,883
27,030,751
26,732,045
24,622,287
17,738,405
95,956,361
48,566,973
47,173,224
9,358,165
37,815,059
19,738,325
28,131,683
30,945,203
26,131,683
17,724,846
101,125,889
56,552,485
44,573,404
8,019,096
36,554,308
24,804,561
24,063,424
36,733,708
24,063,424
16,887,057
896,975
65.00%
20.00%
2,532,681
241,861,468
1,076,370
75.00%
25.00%
40,806,019
236,732,608
1,345,463
75.00%
25.00%
92,320,340
405,881,788
1,681,828
75.00%
10.00%
41,816,805
520,889,243
1,850,011,327
70.00%
15.00%
60,861,739
520,100,721
60.81%
4.53%
19.00%
1.89%
2.01%
3.19%
39.19%
0.79
25.21%
1.11
17.23
48.23%
3.98%
18.20%
1.84%
2.02%
2.73%
51.77%
1.08
24.44%
1.19
16.21
49.07%
4.19%
16.78%
1.71%
1.75%
3.23%
50.93%
1.09
25.30%
1.47
13.18
49.16%
4.10%
15.73%
1.53%
1.71%
3.27%
50.61%
1.18
24.32%
1.57
10.54
44.08%
3.39%
14.14%
1.28%
1.88%
2.78%
55.92%
1.53
19.11%
1.48
0.01
17.71%
20.89%
50.50%
76.42%
87.47%
73.26%
68.81%
15.37%
23.00%
50.23%
76.88%
87.23%
73.00%
68.77%
14.10%
29.01%
46.13%
80.17%
87.35%
64.91%
63.41%
13.85%
27.65%
45.73%
80.30%
88.23%
64.23%
62.36%
14.41%
26.06%
50.22%
78.87%
88.13%
70.74%
67.42%
12.34%
9.79%
69.44%
24.47%
79.36%
13.40%
10.50%
74.25%
21.20%
78.35%
16.08%
11.34%
82.20%
16.34%
70.50%
14.84%
11.33%
78.45%
13.86%
76.38%
12.14%
9.99%
74.65%
10.93%
82.27%
9.95%
2.97
90.71
7.68
10.13%
2.47
89.05
7.59
10.18%
3.84
78.55
7.87
9.76%
4.62
66.99
8.23
9.07%
4.35
0.06
8.69
0.16
2.34
5.20
2.36
3.60
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
32
Items
A.Total equity (A1 to A3)
1.Share capital
2.Reserves
3.Un appropriated profit
4.Others
2012
(Thousand Rupees)
2011
2012
10,749,561
10,000,000
149,912
599,649
(86,548)
37,067,110
42,251
13,012,647
23,517,740
494,472
47,730,123
1,655,815
243,519
10,905,410
26,081,535
7,259,330
0
0
7,259,330
584,054
1,000,460
11,037,333
10,000,000
327,466
709,867
50,855
81,202,911
176,125
48,602,402
31,469,652
954,732
92,291,099
2,430,525
424,573
4,619,591
62,631,024
19,281,888
0
0
19,281,888
1,556,804
1,346,694
3,704,280
2,241,345
1,462,935
31,382
1,431,553
222,183
513,773
513,773
1,139,963
749,561
6,141,198
4,102,783
2,038,415
1,069
2,037,346
526,717
1,277,636
1,277,607
1,286,427
88,772
1,000,000
0.00%
0.00%
18,654,331
25,311,295
1,000,000
6.00%
0.00%
38,872,837
65,855,409
39.49%
3.07%
6.97%
1.57%
0.47%
3.00%
60.51%
0.45
13.08%
2.31
0.75
33.19%
2.21%
0.80%
0.10%
0.57%
2.21%
66.81%
0.99
19.16%
2.43
0.09
3.98%
54.64%
15.21%
49.27%
77.66%
30.87%
19.87%
3.09%
67.86%
20.89%
34.10%
87.99%
61.27%
24.08%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
22.52%
2.35
10.75
2.19
11.96%
5.97
11.04
2.85
24.89
437.90
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
33
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,677,816
4,002,984
1,436,359
238,473
(996,600)
26,657,773
122,516
910,691
24,732,195
892,371
31,338,989
1,557,715
3,362,946
2,282,494
8,985,441
14,925,119
3,331,487
2,281,305
12,643,814
187,589
2,318,990
5,040,633
5,004,001
435,342
(398,710)
921,664
32,848,273
229,973
5,147,036
26,285,794
1,185,470
38,810,570
1,542,102
2,403,698
1,810,846
17,925,911
14,820,746
4,457,159
2,984,784
11,835,962
1,013,670
2,278,381
5,604,119
5,004,001
548,039
52,079
3,796,254
41,393,930
280,665
2,894,759
36,981,351
1,237,155
50,794,303
5,079,720
1,502,684
2,562,093
19,852,730
21,272,033
4,117,581
3,033,700
18,238,333
1,121,554
2,437,189
9,700,427
8,228,001
722,501
749,925
665,067
58,058,972
281,292
10,391,732
45,548,423
1,837,525
68,424,466
2,802,781
1,527,561
1,800,566
36,684,689
25,284,711
3,938,731
2,996,912
22,287,799
1,301,822
2,019,248
10,775,628
9,001,433
937,541
836,654
951,171
70,450,839
558,026
7,420,113
60,043,083
2,429,617
82,177,638
3,108,819
1,649,512
1,501,000
45,671,700
29,708,787
4,334,605
3,016,021
26,692,766
1,359,149
2,194,692
2,958,865
1,897,816
1,061,049
238,593
822,456
339,755
956,315
654,869
205,896
137,348
3,390,014
2,390,388
999,626
1,261,819
(262,193)
383,702
920,279
719,453
(798,770)
(637,183)
4,207,155
2,925,066
1,282,089
322,766
1,604,855
59,677
951,391
943,680
713,141
563,486
6,946,827
4,551,942
2,394,885
244,624
2,150,261
730,010
1,285,458
1,468,480
1,285,458
872,308
7,204,937
4,611,172
2,593,765
178,113
2,415,652
976,115
1,569,218
1,657,560
1,569,218
1,075,201
400,298
25.00%
0.00%
1,626,745
5,208,484
500,400
0.00%
0.00%
6,445,596
6,966,342
500,400
0.00%
0.00%
1,804,102
7,560,301
822,800
0.00%
0.00%
13,250,791
9,270,649
900,143
0.00%
9.40%
9,862,004
14,977,927
35.86%
3.39%
2.42%
0.44%
1.08%
2.62%
64.14%
3.18
28.99%
1.93
0.34
29.49%
2.58%
-12.64%
-1.64%
0.99%
-0.68%
70.51%
-0.90
24.39%
1.88
-1.27
30.47%
2.52%
10.05%
1.11%
0.12%
3.16%
69.53%
1.32
22.30%
15.81
1.13
34.47%
3.50%
8.99%
1.27%
1.07%
3.14%
65.53%
1.14
16.74%
2.01
1.06
36.00%
3.16%
9.98%
1.31%
1.19%
2.94%
64.00%
1.06
19.18%
1.70
1.19
15.70%
28.67%
40.35%
78.92%
85.06%
60.35%
58.20%
10.17%
46.19%
30.50%
67.73%
84.64%
56.38%
47.15%
12.96%
39.08%
35.91%
72.81%
81.49%
57.52%
53.35%
6.33%
53.61%
32.57%
66.57%
84.85%
55.51%
45.20%
5.79%
55.58%
32.48%
73.06%
85.73%
49.48%
44.04%
22.32%
15.29%
58.68%
10.46%
68.48%
30.07%
20.14%
88.42%
42.28%
66.97%
19.36%
14.26%
73.47%
10.64%
73.68%
15.58%
11.85%
40.60%
8.16%
76.09%
14.59%
10.15%
40.23%
5.91%
69.58%
18.12%
0.92
14.18
4.36
12.99%
1.38
10.07
5.21
11.03%
1.35
11.20
6.60
14.18%
0.96
11.79
4.70
13.11%
1.39
11.97
5.57
3.20
15.19
9.17
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
1.Cash generated from opration activities to profit after tax (E4/D10) (times)
34
-10.12
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,056,520
5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801
12,278,773
164,072,532
4,594,889
185,909,120
10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
5,056,520
5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801
12,278,773
164,072,532
4,594,889
185,909,120
10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
(7,111,043)
5,287,974
2,012,492
(14,411,509)
10,720,993
225,521,824
581,100
11,526,783
208,176,902
5,237,039
229,131,774
14,069,601
3,276,234
7,309,587
56,359,404
150,117,159
77,393,928
29,320,465
120,796,694
3,534,660
23,785,594
(6,976,480)
5,287,974
1,914,956
(14,179,410)
17,637,501
270,228,671
850,569
24,963,566
237,896,692
6,517,844
280,889,692
16,698,333
3,607,107
7,447,375
92,492,813
153,430,862
73,643,672
26,323,361
127,107,501
3,597,483
29,939,080
(6,267,811)
5,287,974
1,187,433
(12,743,218)
18,638,460
319,739,825
1,500,709
44,683,826
266,055,761
7,499,529
332,110,474
17,298,251
3,101,170
1,562,946
129,552,044
175,880,046
69,328,698
26,314,161
149,565,885
3,473,491
27,556,687
17,752,969
16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)
17,752,969
16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)
18,217,583
18,801,642
(584,059)
3,326,945
(3,911,004)
1,885,446
4,176,654
3,435,049
6,202,212
4,046,554
20,682,061
21,073,271
(391,210)
2,587,637
2,196,427
1,989,708
3,716,432
3,959,217
469,703
294,924
24,662,361
22,522,918
2,139,443
(749,928)
2,889,371
3,190,745
4,565,509
4,437,680
1,514,607
1,744,556
528,797
0.00%
528,797
0.00%
528,797
0.00%
0.00%
32,984,625
42,923,697
528,797
0.00%
0.00%
20,546,543
67,933,839
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
(48,385,008)
46,903,142
(48,385,008)
46,903,142
528,797
0.00%
0.00%
32,984,625
39,847,267
6.42%
0.61%
-198.94%
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67
-19.02
6.42%
0.61%
-198.94%
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67
-19.02
-3.21%
-0.25%
-56.91%
1.77%
0.82%
-1.71%
103.21%
0.55
20.78%
1.82
7.65
-1.89%
-0.14%
-4.23%
0.10%
0.71%
0.78%
101.89%
8.43
16.39%
1.99
0.56
8.67%
0.64%
-27.83%
0.53%
0.96%
0.87%
91.33%
2.93
16.39%
1.39
3.30
6.92%
12.22%
70.86%
88.25%
97.99%
93.39%
86.89%
6.92%
12.22%
70.86%
88.25%
97.99%
93.39%
86.89%
7.57%
24.60%
52.72%
90.85%
98.42%
72.11%
68.33%
7.23%
32.93%
45.25%
84.69%
96.20%
64.49%
58.37%
6.14%
39.01%
45.03%
80.11%
96.28%
66.11%
56.60%
27.86%
14.03%
844.24%
89.46%
50.35%
27.86%
14.03%
844.24%
89.46%
50.35%
51.56%
19.53%
-1,088.36%
11.35%
37.88%
48.00%
17.16%
-1,055.60%
9.83%
35.74%
39.42%
14.96%
-1,106.11%
-2.85%
37.96%
2.72%
9.28
9.56
32.45
2.72%
9.28
9.56
32.45
-3.10%
-5.60
-13.45
-29.28
-2.48%
-6.15
-13.19
-34.10
-1.89%
-10.84
-11.85
-42.45
4.81
4.81
8.15
111.84
11.78
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
35
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
385,359,458
210,865,136
116,709,912
57,784,410
41,246,518
3,809,313,808
52,687,992
305,687,636
3,244,927,861
206,010,319
4,235,919,784
320,517,786
103,115,398
137,405,388
845,773,291
2,582,387,596
184,544,581
145,648,689
2,436,738,907
154,423,798
237,945,216
448,140,588
250,825,234
129,499,179
67,816,175
55,865,074
4,474,936,926
55,027,426
496,966,731
3,696,318,107
226,624,662
4,978,942,588
370,158,326
127,593,768
182,548,618
1,382,688,908
2,664,890,312
270,852,209
198,582,490
2,466,307,822
153,471,610
296,173,536
471,171,613
275,390,507
147,094,236
48,686,870
44,946,493
4,960,244,529
60,505,858
419,118,618
4,250,710,080
229,909,973
5,476,362,635
423,371,845
127,653,884
144,242,701
1,701,035,170
2,884,602,221
351,693,460
252,080,464
2,632,521,757
163,849,689
283,687,589
601,631,233
356,844,077
149,928,873
94,858,283
(13,734,194)
5,733,885,599
70,475,916
508,175,430
4,888,613,085
266,621,168
6,321,782,638
506,215,567
141,313,852
122,588,383
2,466,846,533
2,860,671,252
364,369,664
276,619,717
2,584,051,535
176,239,464
324,527,304
656,110,114
365,970,171
171,223,054
118,916,889
12,237,693
6,975,848,966
91,066,624
777,583,511
5,821,368,276
285,830,555
7,644,196,773
613,690,122
156,836,573
119,530,298
3,366,805,968
3,151,495,745
393,447,701
294,126,783
2,857,368,962
182,248,558
347,716,292
370,761,372
189,477,389
181,283,983
67,875,442
113,412,163
70,125,358
125,060,096
122,545,992
52,529,021
34,800,231
460,314,435
247,726,810
221,100,885
74,874,595
146,197,065
70,429,526
143,019,662
137,112,537
63,542,898
40,603,888
486,294,541
259,347,973
226,946,568
60,248,131
169,223,241
75,509,790
159,009,575
153,363,449
77,693,011
46,343,893
587,215,925
312,416,559
275,771,106
46,126,885
237,233,529
80,911,964
182,743,991
175,075,233
133,093,925
89,508,150
624,327,371
352,899,506
271,427,865
29,142,905
242,284,959
104,638,804
199,615,432
193,908,737
149,933,061
99,296,679
21,086,511
25,082,524
27,539,050
35,684,408
36,577,017
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
N/A
N/A
16,415,664
1,847,899,393
N/A
N/A
576,781,074
2,372,671,025
N/A
N/A
363,931,590
2,207,087,299
N/A
N/A
898,245,788
2,655,822,165
N/A
N/A
1,018,519,296
2,721,028,677
48.90%
4.28%
9.03%
0.82%
1.66%
2.68%
51.10%
2.33
28.37%
1.75
1.65
48.03%
4.27%
9.06%
0.82%
1.41%
2.94%
53.82%
2.16
26.95%
1.95
1.62
46.67%
4.14%
9.84%
0.85%
1.38%
3.09%
53.33%
1.97
28.30%
2.03
1.68
46.96%
4.35%
14.88%
1.42%
1.28%
3.75%
53.20%
1.32
27.35%
2.16
2.51
43.48%
3.55%
15.13%
1.30%
1.37%
3.17%
56.52%
1.29
27.38%
1.85
2.71
10.00%
19.97%
57.53%
76.61%
89.93%
79.58%
72.73%
10.00%
27.77%
49.53%
74.24%
89.88%
72.10%
63.55%
10.06%
31.06%
48.07%
77.62%
90.58%
67.86%
61.77%
10.24%
39.02%
40.88%
77.33%
90.70%
58.52%
53.01%
10.08%
44.04%
37.38%
76.15%
91.26%
54.14%
47.76%
7.15%
5.64%
47.89%
46.60%
78.92%
10.16%
7.45%
60.44%
37.70%
73.32%
12.19%
8.74%
74.64%
23.90%
71.68%
12.74%
9.67%
60.56%
16.68%
75.92%
12.48%
9.33%
59.97%
9.91%
74.76%
9.10%
4.80
18.28
8.42
9.00%
5.29
17.87
8.25
8.60%
4.68
17.11
9.02
9.52%
4.41
16.86
8.13
8.58%
4.15
17.94
8.87
0.47
14.21
7.85
10.04
10.26
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
36
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
4,051,584
4,500,000
0
(448,416)
17,255
12,468,548
148,403
725,000
10,892,602
702,543
16,537,387
909,378
195,134
320,000
2,756,159
7,788,664
13,537
11,181
7,777,483
1,619,029
2,960,204
3,487,571
4,500,000
0
(1,012,429)
5,388
16,269,491
262,691
20,000
15,081,242
905,558
19,762,450
1,337,892
959,078
1,600,000
3,356,705
9,760,212
1,213,994
320,969
9,439,243
1,741,736
1,327,796
6,115,886
8,935,200
0
(2,819,314)
3,191
54,644,587
427,600
2,756,892
49,324,209
2,135,886
60,763,664
4,460,257
7,409,620
80,000
15,617,589
28,820,378
3,735,780
1,923,180
26,897,198
2,732,332
3,566,668
6,526,256
8,935,200
82,074
(2,491,018)
(1,773)
66,020,396
451,030
1,736,120
61,559,026
2,274,220
72,544,879
3,945,481
7,577,186
0
26,179,416
29,601,824
4,466,038
1,991,116
27,610,708
2,798,165
4,433,923
5,883,539
8,935,200
82,074
(3,133,735)
138,414
67,847,098
746,651
1,991,738
63,278,655
1,830,054
73,869,051
4,221,381
6,712,477
1,100,000
27,421,461
31,509,123
6,093,026
2,726,675
28,782,448
2,629,176
3,002,108
1,060,376
598,062
462,314
1,811
464,125
95,111
950,599
949,634
(391,363)
(260,116)
1,914,228
1,234,890
679,338
344,009
335,329
301,855
1,436,066
1,410,569
(798,882)
(564,013)
2,198,794
1,658,608
540,186
764,375
(224,189)
247,021
1,595,139
1,508,590
(1,572,307)
(1,039,595)
6,699,178
5,001,222
1,697,956
227,176
1,925,132
482,058
1,926,488
1,910,731
480,702
410,370
6,271,140
4,725,249
1,545,891
802,491
743,400
406,151
2,102,545
1,991,125
(952,994)
(642,717)
450,000
0.00%
0.00%
406,132
3,064,151
450,000
0.00%
0.00%
2,173,889
8,660,685
893,520
0.00%
0.00%
8,797,050
14,532,742
893,520
0.00%
0.00%
10,255,250
12,436,239
893,520
0.00%
0.00%
523,909
13,347,433
43.60%
2.80%
-6.42%
-1.57%
0.58%
2.81%
56.40%
-2.43
82.27%
9.98
-0.58
35.49%
3.44%
-16.17%
-2.85%
1.53%
1.70%
64.51%
-1.77
64.80%
4.67
-1.25
24.57%
0.89%
-17.00%
-1.71%
0.41%
-0.37%
75.43%
-0.96
65.22%
6.11
-1.16
25.35%
2.34%
6.29%
0.57%
0.66%
2.65%
74.65%
3.97
26.83%
3.96
0.46
24.65%
2.09%
-10.92%
-0.87%
0.55%
1.01%
75.35%
-2.09
31.49%
4.90
-0.72
6.68%
16.67%
47.03%
65.87%
75.40%
71.50%
67.04%
11.62%
16.99%
47.76%
76.31%
82.33%
64.72%
64.63%
19.53%
25.70%
44.27%
81.17%
89.93%
58.43%
55.34%
15.88%
36.09%
38.06%
84.86%
91.01%
48.09%
46.77%
14.80%
37.12%
38.96%
85.66%
91.85%
49.79%
48.27%
0.17%
0.14%
0.33%
16.20%
82.60%
12.44%
3.29%
34.81%
107.18%
26.44%
12.96%
6.67%
61.08%
39.75%
51.48%
15.09%
6.73%
68.43%
11.41%
44.58%
19.34%
8.65%
103.56%
29.43%
44.75%
24.50%
0.76
9.00
2.69
17.65%
2.48
7.75
4.32
10.07%
2.38
6.84
8.06
9.00%
1.91
7.30
9.43
7.96%
2.27
6.58
10.76
-1.56
-3.85
-8.46
24.99
-0.82
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
37
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
20,805,117
6,463,644
5,804,776
8,536,697
1,550,497
344,340,055
2,952,490
27,778,151
297,475,321
16,134,093
366,695,669
23,653,754
2,096,779
15,793,183
82,646,595
223,639,777
13,771,895
10,667,769
212,972,008
11,134,436
18,398,914
25,857,515
7,110,008
6,582,845
12,164,662
4,062,279
388,421,058
3,162,429
39,818,532
328,872,559
16,567,538
418,340,852
26,435,683
1,280,591
28,122,932
94,673,100
249,925,187
16,281,178
12,542,665
237,382,522
12,459,586
17,986,438
31,191,174
7,821,009
7,516,910
15,853,255
4,798,456
413,976,778
4,118,791
20,774,450
371,280,948
17,802,589
449,966,408
31,265,658
579,700
11,488,944
121,158,730
268,532,972
18,688,166
15,430,262
253,102,710
15,371,118
16,999,548
37,761,572
8,603,110
8,762,745
20,395,717
5,717,786
472,409,254
4,015,317
49,993,200
399,560,790
18,839,947
515,888,612
36,479,765
1,679,121
1,361,754
195,789,638
262,143,554
20,452,465
17,703,717
244,439,837
18,095,123
18,043,374
43,275,849
9,463,421
10,906,250
22,906,178
7,987,705
581,038,152
6,203,051
38,916,192
514,702,444
21,216,465
632,301,706
43,351,703
1,029,292
10,720,935
267,682,679
288,920,715
20,667,561
17,805,032
271,115,683
18,475,755
19,925,659
30,570,540
17,272,724
13,297,816
3,156,001
10,141,815
4,896,915
8,917,790
8,121,805
6,120,940
4,156,686
41,144,667
22,421,218
18,723,449
4,511,166
14,212,283
6,078,257
9,718,918
9,517,584
10,571,622
7,149,310
45,011,184
22,465,506
22,545,678
4,083,385
18,462,293
5,867,378
11,914,322
11,344,090
12,415,279
8,283,817
51,828,897
26,696,185
25,132,712
3,009,024
22,123,688
7,263,796
14,129,619
13,289,101
15,257,865
10,256,173
49,512,005
31,180,990
18,331,015
650,560
17,680,455
14,244,897
15,778,911
14,686,046
16,146,441
11,882,367
646,364
25.00%
10.00%
563,633
126,060,778
711,001
40.00%
10.00%
10,687,333
120,551,592
782,101
40.00%
10.00%
36,199,585
108,128,287
860,311
50.00%
10.00%
86,857,938
173,528,427
946,342
65.00%
10.00%
75,355,317
138,568,953
43.50%
3.63%
19.98%
1.13%
1.34%
2.77%
56.50%
1.33
25.14%
1.66
6.43
45.51%
4.48%
27.65%
1.71%
1.45%
3.40%
54.49%
0.90
20.58%
1.57
10.06
50.09%
5.01%
26.56%
1.84%
1.30%
4.10%
49.91%
0.91
23.42%
1.93
10.59
48.49%
4.87%
27.16%
1.99%
1.41%
4.29%
51.51%
0.87
23.91%
1.83
11.92
37.02%
2.90%
27.46%
1.88%
2.25%
2.80%
62.98%
0.91
24.75%
1.03
12.56
7.02%
22.54%
58.08%
81.12%
93.90%
75.18%
68.76%
6.63%
22.63%
56.74%
78.61%
92.85%
75.99%
67.79%
7.08%
26.93%
56.25%
82.51%
92.00%
72.33%
68.49%
7.40%
37.95%
47.38%
77.45%
91.57%
65.61%
58.31%
7.02%
42.33%
42.88%
81.40%
91.89%
56.13%
52.19%
6.16%
4.77%
66.19%
29.58%
77.46%
6.51%
5.02%
62.96%
35.97%
77.04%
6.96%
5.75%
59.91%
26.46%
82.57%
7.80%
6.75%
54.16%
17.00%
86.56%
7.15%
6.16%
47.76%
3.65%
86.15%
5.67%
6.06
32.19
14.30
6.18%
4.66
36.37
12.72
6.93%
3.47
39.88
11.90
7.32%
4.60
43.89
10.58
6.84%
3.20
45.73
11.89
0.14
1.49
4.37
8.47
6.34
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
38
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
12,034,895
4,058,774
7,667,141
308,980
936,468
193,219,775
2,584,828
15,190,148
167,676,572
7,768,227
206,191,138
16,029,635
3,954,814
4,479,754
35,677,755
139,830,973
11,689,417
11,012,731
128,818,242
8,266,458
8,964,480
13,164,224
5,073,467
7,287,041
803,716
1,823,647
239,365,567
2,945,670
19,300,163
205,912,903
11,206,831
254,353,438
19,385,850
8,374,640
4,649,059
66,885,617
147,633,745
17,725,451
12,593,844
135,039,901
9,332,361
10,686,010
14,819,933
6,427,440
7,712,855
679,638
1,212,292
298,747,904
3,089,984
25,554,777
255,908,149
14,194,994
314,780,129
22,565,190
3,787,538
9,194,186
102,100,063
168,435,880
21,598,648
15,651,626
152,784,254
10,084,422
14,264,476
16,585,997
7,070,184
8,135,795
1,380,018
1,295,861
325,983,862
2,756,032
17,274,979
291,499,395
14,453,456
343,865,720
26,168,206
6,236,116
1,613,584
133,655,387
167,381,246
23,645,541
16,668,690
150,712,556
9,451,033
16,028,838
17,787,356
8,130,711
8,541,776
1,114,869
2,040,025
333,383,893
3,700,156
8,376,740
306,929,729
14,377,268
353,211,274
24,435,422
8,865,303
6,341,474
145,354,253
162,855,583
26,518,448
19,127,748
143,727,835
8,901,522
15,585,465
18,393,313
10,650,719
7,742,594
4,072,597
3,669,997
2,707,000
5,915,615
5,904,169
461,382
386,225
22,590,230
13,542,210
9,048,020
2,914,893
6,133,127
2,625,545
7,159,061
7,124,693
1,599,691
1,068,864
27,954,956
17,931,715
10,023,241
3,035,725
6,987,516
2,234,053
8,009,956
7,937,367
1,249,627
919,461
32,768,950
22,699,089
10,069,861
1,771,471
8,298,390
3,017,770
8,874,165
8,787,381
2,454,944
1,705,207
32,404,345
22,973,385
9,430,960
2,693,356
6,737,604
4,316,216
9,315,577
9,226,563
1,766,057
1,289,145
405,877
0.00%
25.00%
2,596,563
202,238,722
507,347
0.00%
20.00%
36,871,225
106,574,473
642,744
0.00%
10.00%
35,789,356
196,716,932
707,018
0.00%
15.00%
36,472,843
165,250,062
813,071
0.00%
0.00%
10,998,418
192,114,856
42.09%
3.76%
3.21%
0.19%
1.31%
1.78%
57.91%
12.80
28.04%
2.18
0.95
40.05%
3.56%
8.12%
0.42%
1.03%
2.41%
59.95%
4.45
28.39%
2.71
2.11
35.85%
3.18%
6.20%
0.29%
0.71%
2.22%
64.15%
6.35
26.53%
3.55
1.43
30.73%
2.93%
10.28%
0.50%
0.88%
2.41%
69.27%
3.58
24.80%
2.91
2.41
29.10%
2.67%
7.25%
0.36%
1.22%
1.91%
70.90%
5.22
25.37%
2.14
1.59
9.69%
17.30%
62.48%
81.32%
93.71%
83.39%
76.47%
10.91%
26.30%
53.09%
80.96%
94.11%
71.70%
65.55%
8.37%
32.44%
48.54%
81.30%
94.91%
65.82%
59.84%
9.42%
38.87%
43.83%
84.77%
94.80%
57.42%
54.21%
9.43%
41.15%
40.69%
86.90%
94.39%
53.06%
51.65%
8.36%
7.88%
97.13%
36.98%
94.21%
12.01%
8.53%
134.65%
23.15%
71.05%
12.82%
9.29%
145.74%
19.40%
72.47%
14.13%
9.96%
142.56%
10.63%
70.49%
16.28%
11.75%
149.09%
14.08%
72.13%
5.84%
16.80
29.65
13.93
5.18%
8.10
25.95
15.64
4.71%
13.27
23.06
17.27
4.82%
9.96
23.46
17.58
5.04%
10.80
21.88
17.26
6.72
34.50
38.92
21.39
8.53
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
39
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
9,967,204
4,785,388
3,062,830
2,118,986
1,665,205
165,690,582
2,232,334
12,369,743
144,389,563
6,698,942
177,322,991
11,936,275
3,621,152
295,396
48,234,497
101,402,372
862,550
1,205,376
100,196,996
9,166,020
3,872,655
12,286,874
6,101,370
3,664,925
2,520,579
1,818,084
235,701,642
3,187,383
33,517,109
189,280,062
9,717,088
249,806,600
14,377,589
4,626,726
0
111,017,701
108,373,012
2,067,656
2,387,693
105,985,319
9,561,955
4,237,310
14,744,106
7,321,643
4,392,264
3,030,199
1,472,677
285,579,563
2,989,989
22,579,348
249,760,885
10,249,341
301,796,346
19,000,990
2,132,806
1,139,268
137,234,656
129,083,773
2,943,863
3,310,481
125,773,292
10,264,310
6,251,024
17,878,659
8,785,972
5,324,689
3,767,998
2,132,629
364,514,326
4,979,720
43,441,594
302,097,187
13,995,825
384,525,614
22,957,988
6,744,643
0
223,105,101
119,994,310
3,203,630
5,131,178
114,863,132
10,791,345
6,063,405
21,283,639
10,103,868
6,464,546
4,715,225
2,894,776
429,175,527
5,257,191
69,622,055
340,386,558
13,909,723
453,353,942
27,464,345
9,747,248
993,981
249,923,504
153,453,820
3,705,730
5,593,992
147,859,828
11,211,423
6,153,613
14,586,841
8,004,294
6,582,547
1,149,345
5,433,202
2,416,304
4,374,426
4,306,759
3,578,532
2,425,016
22,120,105
13,053,137
9,066,968
1,183,026
7,883,942
1,836,082
5,207,953
5,045,731
4,512,071
2,856,294
27,480,798
16,666,489
10,814,309
946,451
9,867,858
2,187,640
6,331,063
6,225,457
5,724,435
3,667,980
36,529,237
22,372,988
14,156,249
1,820,779
12,335,470
2,607,806
7,784,283
7,621,965
7,158,993
4,537,104
41,474,034
26,105,028
15,369,006
466,087
14,902,918
3,058,834
9,032,511
9,032,511
8,929,242
5,510,520
478,538
12.50%
27.50%
16,856,703
59,797,421
610,137
20.00%
20.00%
65,727,310
63,417,914
732,164
20.00%
20.00%
30,127,758
60,004,910
878,597
25.00%
15.00%
94,364,848
106,642,467
1,010,387
30.00%
36,872,715
107,919,532
45.13%
3.71%
24.33%
1.37%
1.36%
3.06%
54.87%
1.20
25.73%
1.78
5.07
40.99%
3.63%
23.25%
1.14%
0.74%
3.16%
59.01%
1.12
21.74%
2.75
4.68
39.35%
3.58%
24.88%
1.22%
0.72%
3.27%
60.65%
1.09
21.34%
2.85
5.01
38.75%
3.68%
25.38%
1.18%
0.68%
3.21%
61.25%
1.06
19.89%
2.92
5.16
37.06%
3.39%
25.89%
1.22%
0.67%
3.29%
62.94%
1.01
20.28%
2.95
5.45
8.77%
27.20%
56.51%
81.43%
93.44%
70.23%
64.69%
7.61%
44.44%
42.43%
75.77%
94.35%
57.26%
48.64%
7.00%
45.47%
41.67%
82.76%
94.63%
51.68%
47.40%
7.72%
58.02%
29.87%
78.56%
94.80%
39.72%
34.73%
8.21%
55.13%
32.61%
75.08%
94.67%
45.08%
37.43%
0.85%
1.19%
8.65%
95.35%
139.75%
1.91%
2.20%
16.83%
49.55%
115.48%
2.28%
2.56%
19.97%
28.59%
112.45%
2.67%
4.28%
17.92%
35.48%
160.17%
2.41%
3.65%
17.41%
8.33%
150.96%
5.62%
6.00
20.83
14.49
4.92%
5.16
20.14
15.41
4.89%
4.07
20.14
16.94
4.65%
5.96
20.35
16.90
4.69%
5.07
21.06
15.99
6.95
23.01
8.21
20.80
6.69
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
40
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
14,608,523
7,995,000
3,166,056
3,447,467
2,436,216
331,946,025
3,452,031
13,690,222
300,732,858
14,070,914
348,990,764
32,687,335
21,581,043
3,315,500
75,973,238
197,931,671
0
6,140,683
191,790,988
13,773,293
9,869,367
17,055,606
13,491,563
3,587,969
(23,926)
4,626,589
367,612,072
3,766,144
20,653,921
324,743,389
18,448,618
389,294,267
35,056,025
22,722,927
14,947,435
99,279,438
196,802,164
15,585,716
8,780,672
188,021,492
14,552,454
14,714,496
17,238,003
13,491,563
3,819,133
(72,693)
4,410,008
390,155,871
4,521,533
13,700,124
354,010,690
17,923,524
411,803,882
41,197,841
16,180,533
6,497,556
113,622,561
217,822,143
17,710,312
10,670,089
207,152,054
14,251,595
12,901,742
22,839,886
13,491,563
4,100,264
5,248,059
2,937,152
442,396,764
5,403,453
18,168,978
401,245,675
17,578,658
468,173,802
50,882,662
17,424,524
7,765,407
166,648,636
211,397,355
19,096,614
12,928,843
198,468,512
13,388,683
13,595,378
25,689,740
13,491,563
5,636,549
6,561,628
4,557,662
506,219,292
8,430,910
21,227,834
457,118,723
19,441,825
536,466,694
58,044,054
26,720,993
876,870
189,486,762
248,345,992
22,181,548
14,412,634
233,933,358
13,747,520
13,657,137
30,966,638
20,494,355
10,472,283
3,543,357
6,928,926
4,822,924
9,957,130
9,805,790
1,794,720
1,301,301
35,554,930
24,709,878
10,845,052
3,451,912
7,393,140
5,202,233
11,346,473
11,009,954
437,664
(97,904)
37,530,398
23,854,578
13,675,820
2,411,846
11,263,974
4,903,726
12,835,658
12,658,021
2,065,110
1,166,983
44,298,178
25,687,485
18,610,693
4,329,500
14,281,193
5,367,713
14,215,188
13,832,096
5,433,716
5,948,685
46,079,918
27,500,056
18,579,862
3,558,532
15,021,330
7,281,340
15,519,468
15,204,036
6,783,202
4,556,121
799,500
0.00%
12.50%
2,499,606
121,702,262
1,349,156
8.00%
0.00%
19,947,703
159,052,924
1,349,156
0.00%
0.00%
18,101,276
179,210,913
1,349,156
17.50%
0.00%
53,536,423
189,279,494
1,349,156
20.00%
0.00%
49,944,024
124,627,168
33.82%
3.00%
8.91%
0.37%
1.38%
1.99%
66.18%
5.46
27.82%
2.03
1.63
30.50%
2.79%
-0.57%
-0.03%
1.34%
1.90%
69.50%
25.16
27.84%
2.12
-0.07
36.44%
3.32%
6.77%
0.28%
1.19%
2.74%
63.56%
6.13
30.25%
2.58
0.86
42.01%
3.98%
26.05%
1.27%
1.15%
3.05%
57.99%
2.55
28.62%
2.58
4.41
40.32%
3.46%
17.74%
0.85%
1.36%
2.80%
59.68%
2.24
29.08%
2.09
3.38
15.55%
21.77%
54.96%
86.17%
95.12%
65.82%
62.95%
14.84%
25.50%
48.30%
83.42%
94.43%
60.60%
56.98%
13.93%
27.59%
50.30%
85.97%
94.74%
61.53%
59.24%
14.59%
35.60%
42.39%
85.70%
94.49%
52.69%
50.40%
15.80%
35.32%
43.61%
85.21%
94.36%
54.33%
51.92%
0.00%
3.10%
0.00%
57.70%
7.92%
4.46%
91.38%
39.31%
56.34%
8.13%
4.90%
102.74%
22.60%
60.25%
9.03%
6.12%
83.61%
33.49%
67.70%
8.93%
5.80%
86.34%
24.69%
64.98%
4.19%
8.33
18.27
20.59
4.38%
9.33
12.64
19.04
4.19%
10.40
12.78
20.54
4.88%
8.29
16.93
17.57
4.79%
4.85
19.04
17.79
1.92
-203.75
15.51
9.00
10.96
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
41
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,181,372
5,279,679
0
(98,307)
10,449
13,896,779
353,646
245,939
12,477,955
819,239
19,088,600
2,175,413
2,207,490
40,351
5,019,525
6,687,460
186,093
159,929
6,527,531
1,910,648
1,207,642
4,690,622
5,279,679
0
(589,057)
29,776
29,472,124
485,608
156,160
27,911,651
918,705
34,192,522
4,217,520
2,059,808
4,018,813
6,653,447
10,707,012
788,665
249,709
10,457,303
2,375,515
4,410,116
4,734,004
5,279,679
9,310
(554,985)
32,382
40,269,317
563,020
353,000
38,198,320
1,154,977
45,035,703
3,035,148
569,622
4,513,132
13,732,132
19,894,682
741,680
328,972
19,565,710
2,066,680
1,553,279
5,143,560
5,279,679
91,221
(227,340)
169,078
53,508,676
798,853
800,000
50,568,785
1,341,038
58,821,314
4,684,826
549,277
4,436,264
21,067,082
25,054,954
838,101
389,495
24,665,459
1,811,628
1,606,778
5,554,413
5,279,679
173,392
101,342
18,041
68,663,576
1,251,010
1,621,415
64,216,485
1,574,666
74,236,030
4,938,707
806,110
8,475,672
28,994,462
27,933,829
1,205,222
500,567
27,433,262
1,913,106
1,674,711
1,468,688
729,528
739,160
130,556
608,604
196,139
229,152
1,028,232
(229,152)
(52,930)
2,181,887
1,215,019
966,868
111,198
855,670
342,687
1,770,664
170,047
(572,307)
(483,598)
3,809,955
2,049,453
1,760,502
5,247
1,755,255
207,168
1,920,590
1,897,405
41,833
41,159
5,502,154
2,883,355
2,618,799
60,523
2,558,276
226,709
2,176,398
2,139,128
608,587
409,556
5,975,306
3,506,965
2,468,341
96,072
2,372,269
533,932
2,279,759
2,271,642
626,442
410,853
527,968
0.00%
0.00%
1,109,403
1,751,914
527,968
0.00%
0.00%
4,472,916
1,439,984
527,968
0.00%
0.00%
4,261,151
4,467,998
527,968
0.00%
0.00%
8,826,592
4,614,660
527,968
0.00%
0.00%
9,052,857
7,391,771
50.33%
3.87%
-1.02%
-0.28%
1.03%
3.19%
49.67%
-4.49
13.76%
5.24
-0.10
44.31%
2.83%
-10.31%
-1.41%
1.00%
2.50%
55.69%
-0.30
70.14%
0.50
-0.92
46.21%
3.91%
0.87%
0.09%
0.46%
3.90%
53.79%
45.36
47.81%
9.16
0.08
47.60%
4.45%
7.96%
0.70%
0.39%
4.35%
52.40%
3.51
37.99%
9.44
0.78
41.31%
3.32%
7.40%
0.55%
0.72%
3.20%
58.69%
3.63
35.02%
4.25
0.78
22.96%
26.30%
34.20%
65.37%
72.80%
53.59%
52.56%
18.36%
19.46%
30.58%
81.63%
86.19%
38.36%
38.15%
8.00%
30.49%
43.44%
84.82%
89.42%
52.08%
51.61%
8.90%
35.82%
41.93%
85.97%
90.97%
49.55%
48.77%
7.74%
39.06%
36.95%
86.50%
92.49%
43.50%
42.43%
2.78%
2.39%
3.59%
81.63%
85.94%
7.37%
2.33%
16.81%
44.53%
31.66%
3.73%
1.65%
15.67%
1.59%
44.35%
3.35%
1.55%
16.29%
15.54%
46.47%
4.31%
1.79%
21.70%
19.19%
41.53%
27.14%
0.34
9.81
2.41
13.72%
0.31
8.88
5.95
10.51%
0.94
8.97
8.07
8.74%
0.90
9.74
9.83
7.48%
1.33
10.52
11.56
-20.96
-9.25
103.53
21.55
22.03
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
42
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
4,085,091
4,001,333
16,751
67,007
(10,281)
5,406,327
20,138
50,704
5,063,393
272,092
9,481,137
418,948
255,703
250,040
2,045,146
5,645,609
50,000
5,732
5,639,877
417,364
454,059
4,801,589
5,010,458
16,751
(225,620)
40,191
8,166,895
58,263
1,094,375
6,784,750
229,507
13,008,675
675,988
577,349
2,857,942
2,861,751
5,001,443
731,740
237,821
4,763,622
600,626
671,397
4,266,067
5,010,458
16,751
(761,142)
59,916
13,349,703
86,867
287,291
12,636,083
339,462
17,675,686
1,324,461
400,468
2,679,753
5,050,878
6,236,849
1,153,118
620,647
5,616,202
646,645
1,957,279
5,777,579
7,410,458
16,751
(1,649,630)
26,999
21,851,637
210,932
447,300
20,341,241
852,164
27,656,215
1,379,696
2,215,636
0
9,982,793
13,233,151
1,020,934
802,014
12,431,137
671,890
975,063
5,864,255
7,410,458
2,030
(1,548,233)
73,226
41,247,971
390,795
3,087,150
35,922,038
1,847,988
47,185,452
2,452,464
907,255
0
17,156,398
24,077,313
1,029,984
706,781
23,370,532
1,130,246
2,168,557
855,374
403,500
451,874
3,875
447,999
494,273
434,161
433,996
60,111
32,727
1,131,873
650,752
481,121
257,089
224,032
56,818
686,002
685,677
(405,152)
(292,627)
1,263,461
726,325
537,136
406,279
130,857
64,260
1,019,677
986,592
(824,560)
(535,522)
2,375,585
1,423,171
952,414
251,580
700,834
188,537
1,236,279
1,229,345
(346,908)
(288,488)
3,603,352
2,594,187
1,009,165
(173,859)
1,183,024
456,150
1,605,828
1,613,203
33,346
84,646
400,133
0.00%
0.00%
660,132
2,217,021
501,046
0.00%
0.00%
654,955
1,911,426
501,046
0.00%
0.00%
2,667,586
5,704,888
741,046
0.00%
0.00%
5,394,077
1,296,300
741,046
0.00%
0.00%
7,024,807
3,709,955
52.83%
4.77%
0.80%
0.35%
5.21%
4.73%
47.17%
7.22
32.17%
0.88
0.08
42.51%
3.70%
-6.09%
-2.25%
0.44%
1.72%
57.49%
-1.69
57.71%
12.07
-0.58
42.51%
3.04%
-12.55%
-3.03%
0.36%
0.74%
57.49%
-1.20
76.80%
15.35
-1.07
40.09%
3.44%
-4.99%
-1.04%
0.68%
2.53%
59.91%
-3.54
48.21%
6.52
-0.39
28.01%
2.14%
1.44%
0.18%
0.97%
2.51%
71.99%
48.38
39.56%
3.54
0.11
7.12%
21.57%
59.49%
53.40%
57.02%
111.50%
110.39%
9.63%
22.00%
36.62%
52.16%
62.78%
73.72%
63.48%
9.76%
28.58%
31.77%
71.49%
75.53%
49.36%
48.26%
13.00%
36.10%
44.95%
73.55%
79.01%
65.06%
63.66%
7.12%
36.36%
49.53%
76.13%
87.42%
67.03%
61.72%
0.89%
0.10%
1.22%
67.60%
11.46%
14.63%
4.76%
15.24%
108.10%
32.50%
18.49%
9.95%
27.03%
65.46%
53.82%
7.71%
6.06%
17.67%
31.37%
78.56%
4.28%
2.94%
17.56%
-24.60%
68.62%
43.09%
0.54
10.21
1.24
36.91%
0.40
9.58
1.41
24.14%
1.34
8.51
2.96
20.89%
0.22
7.80
3.52
12.43%
0.63
7.91
6.13
20.17
-2.24
-4.98
-18.70
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
43
82.99
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,055,260
6,017,780
0
(962,520)
10,867
26,983,946
283,188
0
25,458,910
1,241,848
32,050,073
2,691,572
3,273,878
1,329,832
3,019,266
18,330,344
286,024
256,843
18,073,501
1,740,923
1,921,101
6,040,247
6,776,030
45,347
(781,130)
18
29,328,629
279,493
125,000
27,980,906
943,230
35,368,894
2,932,264
2,430,437
2,591,905
2,822,723
20,961,592
719,088
371,979
20,589,613
1,727,298
2,274,654
6,048,321
6,776,030
46,961
(774,670)
18
33,840,397
411,944
950,000
31,414,908
1,063,545
39,888,736
3,197,884
3,455,665
1,020,725
5,945,370
23,532,837
1,858,799
553,203
22,979,634
1,703,588
1,585,870
6,238,807
6,776,030
85,058
(622,281)
(4,758)
41,962,400
394,426
1,898,500
38,491,607
1,177,867
48,196,449
3,429,994
1,116,928
3,826,084
12,937,179
24,457,951
2,130,721
568,908
23,889,043
1,597,770
1,399,451
6,784,505
6,976,030
69,140
(260,665)
82,738
56,633,462
659,035
1,600,000
53,110,048
1,264,379
63,500,705
4,196,103
5,660,301
3,206,945
21,334,833
27,076,428
2,494,271
761,761
26,314,667
1,535,272
1,252,584
2,723,796
1,377,542
1,346,254
156,077
1,190,177
335,552
271,806
1,791,282
(271,806)
(181,822)
3,647,145
1,805,943
1,841,202
115,136
1,726,066
365,353
1,739,369
1,724,467
352,050
226,737
4,071,552
2,129,570
1,941,982
181,224
1,760,758
366,335
2,109,362
2,095,563
17,731
8,074
4,632,785
2,395,995
2,236,790
10,075
2,226,715
457,136
2,367,722
2,337,312
316,129
190,486
5,682,122
2,807,792
2,874,330
192,853
2,681,477
695,344
2,875,816
2,846,195
501,005
345,698
601,778
0.00%
0.00%
2,523,494
21,322,168
677,603
0.00%
0.00%
(1,285,767)
17,830,878
677,603
0.00%
0.00%
4,676,276
5,704,888
677,603
0.00%
0.00%
4,983,772
10,461,483
677,603
0.00%
0.00%
13,506,038
9,106,647
49.43%
4.20%
-3.60%
-0.57%
1.05%
3.71%
50.57%
-6.59
8.88%
5.34
-0.30
50.48%
5.21%
3.75%
0.64%
1.03%
4.88%
49.52%
4.90
43.35%
4.72
0.33
47.70%
4.87%
0.13%
0.02%
0.92%
4.41%
52.30%
118.19
47.53%
5.72
0.01
48.28%
4.64%
3.05%
0.40%
0.95%
4.62%
51.72%
7.39
46.52%
5.11
0.28
50.59%
4.53%
5.10%
0.54%
1.10%
4.22%
49.41%
5.68
45.09%
4.09
0.51
18.61%
9.42%
56.39%
79.43%
84.19%
72.00%
72.00%
15.16%
7.98%
58.21%
79.11%
82.92%
74.91%
74.58%
16.68%
14.90%
57.61%
78.76%
84.84%
74.91%
72.71%
9.43%
26.84%
49.57%
79.86%
87.07%
63.54%
60.55%
15.52%
33.60%
41.44%
83.64%
89.19%
50.98%
49.49%
1.56%
1.40%
5.66%
60.77%
89.80%
3.43%
1.77%
11.90%
30.95%
51.73%
7.90%
2.35%
30.73%
32.76%
29.76%
8.71%
2.33%
34.15%
1.77%
26.70%
9.21%
2.81%
36.76%
25.32%
30.54%
15.77%
4.22
8.40
5.04
17.08%
2.95
8.91
4.63
15.16%
0.94
8.93
5.19
12.94%
1.68
9.21
6.17
10.68%
1.34
10.01
7.83
-13.88
-5.67
579.18
26.16
39.07
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
44
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
10,135,987
5,296,445
3,790,023
1,049,519
636,121
127,469,378
1,536,517
13,027,468
102,776,793
10,128,600
138,241,486
8,927,524
876,780
2,861,401
36,152,537
88,620,641
7,446,481
5,108,573
83,512,068
2,646,978
3,264,198
11,373,147
6,090,911
4,030,056
1,252,180
1,519,902
167,899,404
1,465,451
34,985,766
123,469,683
7,978,504
180,792,453
8,427,202
508,795
15,017,826
56,459,447
98,384,470
10,671,030
7,038,469
91,346,001
2,787,617
6,245,565
16,614,625
7,309,094
7,354,688
1,950,843
(96,855)
250,803,153
3,218,859
34,635,904
195,315,204
17,633,186
267,320,923
17,428,924
5,727,909
0
86,418,549
151,206,409
24,707,758
17,499,640
133,706,769
8,726,406
15,312,366
17,793,427
8,243,118
6,591,131
2,959,178
1,419,732
273,354,667
3,075,642
39,696,986
214,614,731
15,967,308
292,567,826
18,445,108
4,685,718
0
93,409,187
165,483,330
26,044,119
17,321,335
148,161,995
10,849,607
17,016,211
18,728,891
9,273,508
6,309,083
3,146,300
2,249,013
292,086,428
4,244,494
35,568,109
240,712,826
11,560,999
313,064,332
24,508,852
1,209,313
0
87,995,224
190,851,275
27,549,729
18,552,070
172,299,205
10,859,963
16,191,775
13,404,132
8,454,755
4,949,377
2,047,362
2,902,015
5,212,608
1,796,537
3,257,843
1,796,537
1,114,952
16,957,875
11,946,579
5,011,296
2,191,883
2,819,413
2,804,695
4,312,044
4,285,459
1,320,043
1,212,527
19,710,460
13,919,256
5,791,204
2,201,824
3,589,380
4,012,338
6,774,664
6,644,072
827,054
1,190,329
28,825,449
19,619,095
9,206,354
695,245
8,511,109
4,070,369
11,103,387
10,813,919
1,478,091
1,280,296
28,802,150
19,838,745
8,963,405
1,400,820
7,562,585
5,281,719
11,004,203
10,810,261
1,840,101
1,422,882
529,645
0.00%
15.00%
1,882,246
51,941,751
609,091
0.00%
0.00%
17,897,098
79,757,936
730,909
0.00%
20.00%
8,881,898
164,784,857
824,312
0.00%
12.50%
5,911,646
173,978,654
927,351
0.00%
12.50%
(4,766,930)
118,519,052
36.92%
3.58%
11.00%
0.81%
3.77%
2.10%
63.08%
1.81
9.65%
0.62
2.11
29.55%
2.77%
10.66%
0.67%
1.55%
1.56%
70.45%
3.25
21.82%
1.53
1.99
29.38%
2.17%
7.16%
0.45%
1.50%
1.34%
70.62%
8.03
28.56%
1.66
1.63
31.94%
3.15%
7.20%
0.44%
1.39%
2.91%
68.06%
7.32
33.75%
2.66
1.55
31.12%
2.86%
7.60%
0.45%
1.69%
2.42%
68.88%
5.87
32.29%
2.05
1.53
7.09%
26.15%
60.41%
74.35%
92.21%
86.23%
76.53%
4.94%
31.23%
50.53%
68.29%
92.87%
79.68%
62.09%
8.66%
32.33%
50.02%
73.06%
93.82%
77.42%
65.76%
7.91%
31.93%
50.64%
73.36%
93.43%
77.11%
65.07%
8.21%
28.11%
55.04%
76.89%
93.30%
79.29%
69.08%
8.40%
5.76%
73.47%
40.08%
68.60%
10.85%
7.15%
93.83%
31.14%
65.96%
16.34%
11.57%
148.71%
12.58%
70.83%
15.74%
10.47%
146.37%
4.01%
66.51%
14.44%
9.72%
147.10%
7.55%
67.34%
7.33%
5.12
19.14
10.14
6.29%
7.01
18.67
10.86
6.22%
9.92
22.73
11.76
6.08%
9.78
21.59
12.06
5.98%
6.33
20.20
12.85
1.69
14.76
7.46
4.62
-3.35
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
45
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
61,290,814
7,590,000
22,882,318
30,818,496
3,753,597
652,237,599
9,781,077
44,022,676
572,399,187
26,034,659
717,282,010
56,359,367
32,720,391
6,193,787
127,786,754
460,244,672
36,086,044
24,536,012
435,708,660
33,490,506
25,022,545
75,133,715
9,108,000
27,527,380
38,498,335
9,236,083
779,554,995
10,041,542
52,542,978
682,750,079
34,220,396
863,924,793
79,839,836
40,366,687
5,352,873
216,467,532
490,010,583
49,438,255
35,348,084
454,662,499
16,766,668
50,468,698
86,842,059
10,018,800
29,355,555
47,467,704
9,408,712
828,448,632
9,775,093
40,459,860
747,374,799
30,838,880
924,699,403
81,640,246
37,413,185
30,339,344
254,909,116
502,445,637
53,607,643
42,695,625
459,750,012
16,155,290
44,492,210
100,147,132
11,020,680
32,145,755
56,980,697
9,439,856
1,029,967,217
13,894,502
39,473,670
933,631,525
42,967,520
1,139,554,205
103,399,623
47,349,505
41,581,029
418,604,147
503,453,704
56,549,062
46,086,048
457,367,656
19,167,654
52,084,591
119,025,317
12,122,748
39,379,354
67,523,215
14,012,443
1,477,270,812
18,943,207
196,580,548
1,214,963,700
46,783,357
1,610,308,572
157,229,517
47,980,032
24,828,255
797,094,548
545,788,112
56,236,494
45,970,206
499,817,906
23,632,324
59,725,990
61,157,813
25,523,572
35,634,241
9,295,235
26,339,006
10,336,517
20,820,329
20,253,578
5,855,194
10,000,980
76,076,347
33,405,813
42,670,534
9,089,659
33,580,875
11,159,612
23,358,851
22,745,955
21,381,636
13,400,749
81,325,028
34,330,255
46,994,773
7,585,664
39,409,109
12,762,431
25,131,510
24,252,960
27,040,030
17,034,380
98,580,423
42,182,220
56,398,203
6,925,497
49,472,706
14,782,861
29,934,169
29,433,961
34,321,398
22,333,022
116,772,653
59,012,392
57,760,261
6,767,037
50,993,224
15,960,106
32,062,123
31,061,370
34,891,207
22,355,740
759,000
55.00%
20.00%
(21,380,958)
296,820,275
910,800
60.00%
10.00%
107,753,133
358,083,924
1,001,880
65.00%
10.00%
42,055,186
253,403,791
1,102,068
70.00%
10.00%
206,730,148
572,908,009
1,212,275
75.00%
10.00%
404,298,555
584,090,071
58.27%
4.97%
16.32%
1.39%
1.44%
3.67%
41.73%
3.46
29.12%
1.96
13.18
56.09%
4.94%
17.84%
1.55%
1.29%
3.89%
43.91%
1.06
26.78%
2.04
14.71
57.79%
5.08%
19.62%
1.84%
1.38%
4.26%
42.21%
0.90
26.71%
1.90
17.00
57.21%
4.95%
22.30%
1.96%
1.30%
4.34%
42.79%
0.86
26.41%
1.99
20.26
49.46%
3.59%
18.78%
1.39%
0.99%
3.17%
50.54%
0.89
24.16%
1.95
18.44
12.42%
17.82%
60.74%
79.80%
90.93%
80.41%
74.66%
13.91%
25.06%
52.63%
79.03%
90.23%
71.77%
66.64%
12.87%
27.57%
49.72%
80.82%
89.59%
67.23%
63.78%
13.23%
36.73%
40.14%
81.93%
90.38%
53.92%
51.74%
12.74%
49.50%
31.04%
75.45%
91.74%
44.92%
38.67%
7.84%
5.33%
58.88%
37.88%
67.99%
10.09%
7.21%
65.80%
25.71%
71.50%
10.67%
8.50%
61.73%
17.77%
79.64%
11.23%
9.15%
56.47%
15.03%
81.50%
10.30%
8.42%
47.25%
14.72%
81.74%
8.54%
4.84
80.75
9.34
8.70%
4.77
82.49
9.09
9.39%
2.92
86.68
8.61
8.79%
5.72
90.87
9.32
7.39%
4.91
98.18
10.21
-2.14
8.04
2.47
9.26
18.08
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
46
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
16,149,648
6,022,020
7,039,936
3,087,692
(1,144,998)
167,706,203
2,372,146
30,372,598
128,432,616
6,528,843
182,710,853
11,401,384
2,974,237
98,176
53,631,532
110,391,364
1,747,599
2,130,105
108,261,259
1,583,360
4,760,905
18,900,286
7,527,525
7,587,835
3,784,926
(148,629)
218,406,844
3,111,467
68,186,674
142,185,495
4,923,208
237,158,501
11,192,498
4,836,399
150,000
111,679,520
106,922,608
6,364,665
4,629,476
102,293,132
2,465,977
4,540,975
20,956,902
8,731,929
8,151,443
4,073,530
(646,585)
231,820,564
2,572,954
62,529,729
160,314,211
6,403,670
252,130,881
13,923,393
3,123,094
3,190,399
100,849,146
127,350,007
7,463,452
7,522,371
119,827,636
3,387,452
7,829,761
24,246,101
10,478,315
8,807,718
4,960,068
335,268
263,619,288
3,733,794
66,641,226
185,281,216
7,963,052
288,200,657
14,233,690
3,551,591
2,361,754
147,459,163
119,679,648
15,427,848
10,022,934
109,656,714
3,230,658
7,707,087
26,067,383
10,478,315
9,488,277
6,100,791
2,186,254
272,486,173
4,092,268
41,569,169
217,670,832
9,153,904
300,739,810
16,918,780
5,151,149
0
160,733,315
119,299,723
17,729,487
12,388,996
106,910,727
3,000,827
8,025,012
15,870,172
10,919,922
4,950,250
1,249,820
3,700,430
3,928,506
3,233,784
3,086,634
4,740,110
3,277,377
21,376,259
14,636,228
6,740,031
2,569,646
4,141,160
3,713,321
3,656,972
3,550,647
4,226,734
2,746,563
23,281,800
16,407,604
6,874,196
3,041,548
3,832,648
4,429,981
4,335,039
4,199,115
4,027,590
2,809,369
27,263,385
19,536,154
7,727,231
2,754,602
4,972,629
5,199,463
5,527,286
4,949,323
4,644,806
3,289,199
27,154,883
18,821,766
8,333,117
2,693,747
5,639,370
5,457,669
6,059,044
5,775,358
5,037,995
3,393,029
602,202
0.00%
25.00%
(6,265,387)
80,361,851
752,753
10.00%
16.00%
58,187,921
116,806,754
873,193
0.00%
20.00%
(6,943,837)
200,438,547
1,047,831
15.00%
0.00%
44,258,963
200,438,547
1,047,831
20.00%
0.00%
17,498,743
127,978,834
31.19%
2.71%
20.29%
1.79%
2.15%
2.03%
68.81%
0.65
16.33%
0.79
5.44
31.53%
2.84%
14.53%
1.16%
1.57%
1.75%
68.47%
0.84
14.58%
0.96
3.65
29.53%
2.73%
13.41%
1.11%
1.76%
1.52%
70.47%
1.04
15.64%
0.95
3.22
28.34%
2.68%
13.57%
1.14%
1.80%
1.73%
71.66%
1.07
17.03%
0.95
3.14
30.69%
2.77%
13.02%
1.13%
1.81%
1.88%
69.31%
1.15
18.58%
1.06
3.24
7.87%
29.35%
59.25%
70.29%
91.79%
85.95%
69.51%
6.76%
47.09%
43.13%
59.95%
92.09%
75.20%
50.83%
6.76%
40.00%
47.53%
63.58%
91.94%
79.44%
57.15%
6.17%
51.17%
38.05%
64.29%
91.47%
64.59%
47.51%
7.34%
53.45%
35.55%
72.38%
90.61%
54.81%
46.02%
1.58%
1.93%
10.82%
58.67%
121.89%
5.95%
4.33%
33.67%
55.51%
72.74%
5.86%
5.91%
35.61%
40.43%
100.79%
12.89%
8.37%
63.63%
27.48%
64.97%
14.86%
10.38%
68.01%
21.74%
69.88%
8.84%
4.98
26.82
7.95
7.97%
6.18
25.11
7.52
8.31%
9.56
24.00
7.65
8.41%
8.27
23.14
7.64
8.67%
4.91
24.88
8.35
-1.91
21.19
-2.47
13.46
5.16
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
47
JS BANK LIMITED
Items
A.Total equity (A1 to A3)
1.Share capital
2.Reserves
3.Un appropriated profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,784,628
5,694,844
18,040
71,744
(508,791)
16,351,965
127,922
537,655
15,294,273
392,115
21,627,802
1,285,247
672,271
1,405,210
5,138,709
9,810,093
455,504
129,644
9,680,449
2,496,883
949,033
5,622,453
6,127,605
18,040
(523,192)
32,106
27,240,361
320,492
5,039,635
21,313,791
566,443
32,894,920
1,764,403
1,820,857
3,482,564
9,535,555
12,167,220
857,059
477,567
11,689,653
3,039,329
1,562,559
7,237,084
8,149,715
18,040
(930,671)
(1,398,798)
33,545,361
369,620
5,524,410
26,276,328
1,375,003
39,383,647
2,298,806
917,802
3,643,360
13,701,699
14,505,537
1,902,566
527,424
13,978,113
2,882,941
1,960,926
8,809,116
10,002,930
89,978
(1,283,792)
(28,080)
45,721,589
1,246,994
3,171,800
40,174,351
1,128,444
54,502,625
3,880,782
165,067
3,803,022
22,906,646
18,543,633
2,776,895
513,749
18,029,884
3,064,883
2,652,341
10,651,892
10,724,643
231,613
(304,364)
283,046
73,083,839
713,747
8,704,685
61,934,787
1,730,620
84,018,777
5,027,942
1,193,864
3,740,958
47,884,719
20,880,638
3,037,264
971,253
19,909,385
3,412,167
2,849,742
1,975,203
1,361,738
613,465
11,218
602,247
492,345
983,367
982,624
111,225
54,770
2,527,295
1,806,709
720,586
772,688
(52,102)
339,470
1,736,161
1,734,815
(1,448,793)
(594,936)
3,299,767
2,255,014
1,044,753
136,484
908,269
332,974
1,863,793
1,846,840
(622,550)
(407,479)
4,319,252
2,583,678
1,735,574
151,199
1,886,773
769,937
2,119,374
2,111,534
537,336
361,645
6,168,310
3,731,733
2,436,577
(529,928)
2,966,505
2,148,184
2,864,677
2,892,734
1,190,156
819,833
569,484
0.00%
0.00%
403,176
1,260,563
612,761
0.00%
0.00%
6,268,544
10,400,433
814,972
0.00%
0.00%
1,760,620
7,898,774
1,000,293
0.00%
0.00%
3,527,847
7,820,884
1,072,464
0.00%
0.00%
29,237,117
10,993,558
31.06%
2.84%
0.95%
0.25%
2.28%
2.78%
68.94%
8.83
39.85%
2.00
0.10
28.51%
2.19%
-10.58%
-1.81%
1.03%
-0.16%
71.49%
-1.20
60.56%
5.11
-0.97
31.66%
2.65%
-5.63%
-1.03%
0.85%
2.31%
68.34%
-2.97
51.31%
5.55
-0.50
40.18%
3.18%
4.11%
0.66%
1.41%
3.46%
59.82%
3.93
41.64%
2.74
0.36
39.50%
2.90%
7.70%
0.98%
2.56%
3.53%
60.50%
2.43
34.45%
1.35
0.76
9.05%
23.76%
44.76%
70.72%
75.61%
64.14%
61.96%
10.90%
28.99%
35.54%
64.79%
82.81%
57.09%
46.17%
8.17%
34.79%
35.49%
66.72%
85.18%
55.20%
45.61%
7.42%
42.03%
33.08%
73.71%
83.89%
46.16%
42.78%
7.41%
56.99%
23.70%
73.72%
86.99%
33.71%
29.56%
4.64%
1.32%
7.87%
8.65%
28.46%
7.04%
3.93%
15.24%
161.80%
55.72%
13.12%
3.64%
26.29%
25.88%
27.72%
14.97%
2.77%
31.52%
29.43%
18.50%
14.55%
4.65%
28.51%
-54.56%
31.98%
26.75%
0.22
10.16
2.64
17.09%
1.85
9.18
3.79
18.38%
1.09
8.88
3.63
16.16%
0.89
8.81
4.56
12.68%
1.03
9.93
5.81
-10.54
-4.32
9.76
35.66
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
1.Cash generated from opration activities to profit after tax (E4/D10) (times)
48
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
3,191,389
4,014,890
151,287
(974,788)
6,008,118
42,599,591
217,520
6,300,622
35,087,477
993,972
51,799,098
1,507,632
59,093
556,455
9,454,149
35,164,850
7,354,408
2,924,654
32,240,196
2,909,213
5,072,360
4,363,093
9,508,617
151,287
(5,296,811)
1,053,728
55,582,766
386,066
8,696,140
43,807,061
2,693,499
60,999,587
2,851,783
235,121
2,804,596
13,580,973
34,054,696
7,355,353
4,138,250
29,916,446
4,027,676
7,582,992
1,940,292
9,508,617
162,727
(7,731,052)
1,037,423
55,863,821
541,041
6,636,645
46,694,675
1,991,460
58,841,536
3,272,624
360,306
40,000
12,859,540
35,520,314
9,617,879
5,310,930
30,209,384
4,541,778
7,557,904
9,413,468
19,508,617
30,839
(10,125,988)
(5,886,596)
69,663,886
891,579
4,607,205
61,993,604
2,171,498
73,190,758
4,822,751
10,930,425
622,683
15,588,703
35,245,477
12,138,602
5,858,803
29,386,674
4,366,514
7,473,008
8,635,706
19,508,617
53,116
(10,926,027)
(5,608,088)
87,250,008
877,827
21,245,349
62,600,058
2,526,774
90,277,626
4,766,966
2,039,237
352,947
39,968,886
38,380,915
13,868,789
7,291,235
31,089,680
3,703,959
8,355,951
4,861,400
4,448,440
412,960
2,223,938
(1,810,978)
615,591
1,787,364
1,759,032
(1,849,199)
(972,969)
5,120,943
5,569,707
(448,764)
1,971,290
(2,420,054)
1,111,457
3,058,379
2,796,425
(5,864,077)
(4,318,749)
5,158,566
5,169,142
(10,576)
1,307,259
(1,317,835)
971,501
3,016,905
2,989,039
(3,487,184)
(2,727,345)
4,711,888
5,196,408
484,520
284,941
769,461
955,050
3,257,947
2,805,265
(3,146,226)
(2,524,305)
6,594,769
4,252,011
2,342,758
1,781,849
560,909
1,454,480
3,877,476
3,142,427
(1,596,866)
(806,044)
401,489
0.00%
0.00%
(3,436,371)
14,966,219
950,862
0.00%
26.00%
9,162,534
18,276,636
950,862
0.00%
0.00%
(199,789)
21,047,073
1,950,862
0.00%
0.00%
11,029,923
39,795,348
1,950,862
0.00%
0.00%
15,231,484
53,022,230
8.49%
0.80%
-30.49%
-1.88%
1.19%
-3.50%
91.51%
-0.95
32.63%
2.86
-2.42
-8.76%
-0.74%
-98.98%
-7.08%
1.82%
-3.97%
108.76%
-0.48
49.07%
2.52
-4.54
-0.21%
-0.02%
-140.56%
-4.64%
1.65%
-2.24%
100.21%
-0.86
49.21%
3.08
-2.87
10.28%
-0.66%
-26.82%
-3.45%
1.30%
1.05%
110.28%
-0.89
57.49%
2.94
-1.29
35.52%
2.60%
-9.33%
-0.89%
1.61%
0.62%
64.48%
-1.97
48.17%
2.16
-0.41
3.02%
18.25%
62.24%
67.74%
82.24%
100.22%
84.96%
5.06%
22.26%
49.04%
71.82%
91.12%
77.74%
64.86%
6.17%
21.85%
51.34%
79.36%
94.94%
76.07%
66.60%
21.52%
21.30%
40.15%
84.70%
95.18%
56.85%
52.92%
7.54%
44.27%
34.44%
69.34%
96.65%
61.31%
45.78%
20.91%
8.32%
230.45%
76.04%
39.77%
21.60%
12.15%
168.58%
47.64%
56.26%
27.08%
14.95%
495.69%
24.61%
55.22%
34.44%
16.62%
128.95%
4.86%
48.27%
36.13%
19.00%
160.60%
24.44%
52.57%
6.16%
4.69
7.95
10.99
7.15%
4.19
4.59
10.04
3.30%
10.85
2.04
24.07
12.86%
4.23
4.83
6.59
9.57%
6.14
4.43
7.25
3.53
-2.12
0.07
-4.37
-18.90
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
49
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
52,244,865
6,282,768
36,768,765
9,193,332
6,191,189
385,179,850
10,551,468
22,663,840
330,181,624
21,782,918
443,615,904
39,631,172
4,043,100
4,100,079
96,631,874
272,847,325
56,462
10,711,855
262,135,470
17,263,733
19,810,476
63,120,371
6,911,045
38,387,656
17,821,670
9,192,909
439,428,598
8,201,090
44,662,088
367,581,075
18,984,345
511,741,878
38,774,871
6,077,354
3,000,000
169,484,647
269,721,034
23,238,723
16,472,769
253,248,265
18,099,010
23,057,731
71,225,105
7,602,150
40,164,526
23,458,429
10,774,022
488,482,736
10,265,537
25,684,593
431,295,499
21,237,107
570,481,863
45,407,264
1,551,518
4,401,781
215,747,844
274,157,806
24,543,807
19,592,335
254,565,471
21,061,787
27,746,198
81,034,402
8,362,365
42,412,588
30,259,449
10,619,903
564,670,502
9,466,818
39,100,627
491,146,798
24,956,259
656,324,807
53,122,620
2,357,418
955,087
319,005,983
249,907,060
26,664,873
22,333,442
227,573,618
22,418,450
30,891,631
90,630,601
9,198,601
44,620,928
36,811,072
15,124,526
664,527,414
9,896,284
79,064,351
544,988,091
30,578,688
770,282,541
57,420,211
1,236,736
1,551,472
405,601,313
262,597,534
25,561,774
22,809,023
239,788,511
24,144,242
40,540,056
40,043,824
11,560,740
28,483,084
4,019,121
24,463,963
5,791,440
8,387,837
7,546,878
21,867,566
15,374,600
51,621,911
15,835,581
44,299,590
7,322,321
36,977,269
5,754,853
11,069,912
10,235,366
23,349,146
15,665,403
54,829,365
18,027,372
36,801,993
3,597,117
33,204,876
6,441,642
13,406,395
12,327,496
26,509,636
16,874,019
68,215,902
23,632,615
44,583,287
3,653,614
40,929,673
8,241,260
17,777,644
15,860,242
31,321,782
19,302,483
68,443,744
27,503,496
40,940,248
478,065
40,462,183
9,541,155
17,823,496
17,410,747
32,476,487
21,235,235
628,276
115.00%
10.00%
2,031,538
392,959,678
691,105
110.00%
10.00%
78,214,049
376,583,024
760,215
115.00%
10.00%
58,654,480
136,245,597
836,237
120.00%
10.00%
124,596,626
162,379,259
919,860
130.00%
10.00%
96,668,070
143,379,581
71.13%
6.42%
29.43%
3.47%
1.31%
5.51%
28.87%
0.35
18.30%
1.30
24.47
85.82%
6.99%
24.82%
3.06%
1.12%
7.23%
30.68%
0.44
19.29%
1.78
22.67
67.12%
6.45%
23.69%
2.96%
1.13%
5.82%
32.88%
0.47
21.88%
1.91
22.20
65.36%
6.79%
23.82%
2.94%
1.26%
6.24%
34.64%
0.51
23.25%
1.92
23.08
59.82%
5.31%
23.43%
2.76%
1.24%
5.25%
40.18%
0.54
22.86%
1.82
23.09
9.85%
21.78%
59.09%
74.43%
86.83%
82.64%
77.33%
8.76%
33.12%
49.49%
71.83%
85.87%
73.38%
65.43%
8.23%
37.82%
44.62%
75.60%
85.63%
63.57%
59.99%
8.45%
48.60%
34.67%
74.83%
86.04%
50.88%
47.13%
7.61%
52.66%
31.13%
70.75%
86.27%
48.18%
42.08%
0.02%
3.93%
0.11%
37.52%
18,971.80%
8.62%
6.11%
36.82%
44.45%
70.89%
8.95%
7.15%
34.46%
18.36%
79.83%
10.67%
8.94%
32.91%
16.36%
83.76%
9.73%
8.69%
28.20%
2.10%
89.23%
11.78%
7.52
83.16
6.32
12.33%
5.97
91.33
5.82
12.49%
1.91
93.69
6.06
12.35%
2.00
96.90
6.06
11.77%
1.58
98.53
6.01
0.13
4.99
3.48
6.45
4.55
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
50
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,341,097
4,925,961
845,022
570,114
(366,119)
79,301,092
1,057,017
4,008,496
70,233,875
4,001,704
85,276,070
5,763,710
1,344,974
18,108,000
14,526,699
40,626,920
3,649,163
1,098,189
39,528,731
1,880,515
4,123,441
9,814,412
6,650,048
1,074,408
2,089,956
396,911
115,290,455
1,249,210
8,593,425
100,331,448
5,116,372
125,501,778
8,387,522
5,262,341
34,486,875
24,370,190
44,238,200
3,649,163
2,528,544
41,709,656
2,437,228
8,847,966
10,740,123
6,982,550
1,380,010
2,377,563
339,868
143,672,434
1,767,370
5,829,296
131,070,328
5,005,440
154,752,425
12,780,806
9,939,660
10,511,855
54,966,907
64,116,390
4,318,323
3,851,146
60,265,244
3,066,100
3,221,853
13,328,673
8,029,933
2,058,319
3,240,421
457,678
186,764,043
2,282,045
9,235,960
170,030,431
5,215,607
200,550,394
16,641,160
2,348,076
4,065,406
98,488,574
75,698,616
4,647,792
5,321,135
70,377,481
3,985,248
4,644,449
15,481,738
9,033,675
2,759,942
3,688,121
1,069,020
257,885,752
3,058,503
18,461,347
230,425,986
5,939,916
274,436,510
19,125,401
3,851,150
500,000
152,459,855
94,402,267
5,000,028
5,724,191
88,678,076
4,898,240
4,923,788
6,803,213
3,088,334
3,714,879
717,320
2,997,559
707,908
2,713,156
2,626,606
992,311
621,187
10,105,518
4,969,843
5,135,675
1,532,051
3,603,624
1,707,492
3,626,697
3,681,088
2,527,405
1,676,242
12,284,569
6,606,370
5,678,199
1,496,019
4,182,180
2,687,274
4,723,597
4,637,393
2,443,282
1,899,782
18,032,152
8,665,622
9,366,530
1,389,155
7,977,375
2,263,349
6,331,458
5,958,595
4,356,300
3,391,543
21,836,972
11,384,534
10,452,438
451,191
10,001,247
2,398,590
7,169,611
7,192,527
5,230,226
3,508,116
492,596
0.00%
8.60%
3,320,190
56,411,095
665,005
0.00%
5.00%
14,017,274
73,034,851
698,255
0.00%
15.00%
35,528,395
108,236,057
802,993
10.00%
12.50%
40,906,365
114,137,104
903,367
15.00%
11.00%
59,402,194
140,171,979
54.60%
4.36%
9.80%
0.73%
0.83%
3.52%
45.40%
2.65
36.12%
3.71
1.26
50.82%
4.09%
17.08%
1.34%
1.36%
2.87%
49.18%
1.46
30.70%
2.16
2.52
46.22%
3.67%
17.69%
1.23%
1.74%
2.70%
53.78%
1.90
31.55%
1.73
2.72
51.94%
4.67%
25.45%
1.69%
1.13%
3.98%
48.06%
1.37
31.20%
2.63
4.22
47.87%
3.81%
22.66%
1.28%
0.87%
3.64%
52.13%
1.38
29.58%
3.00
3.88
8.34%
17.03%
46.35%
82.36%
92.99%
57.85%
54.72%
10.88%
19.42%
33.23%
79.94%
91.86%
44.09%
40.61%
14.68%
35.52%
38.94%
84.70%
92.84%
48.92%
46.83%
9.47%
49.11%
35.09%
84.78%
93.13%
44.52%
42.23%
8.37%
55.55%
32.31%
83.96%
93.97%
40.97%
37.93%
8.98%
2.70%
57.55%
65.32%
30.09%
8.25%
5.72%
37.18%
60.59%
69.29%
6.74%
6.01%
40.21%
38.85%
89.18%
6.14%
7.03%
34.87%
26.11%
114.49%
5.30%
6.06%
32.30%
7.88%
114.48%
7.44%
8.90
12.87
11.08
7.82%
7.44
14.76
10.22
6.94%
10.08
15.38
12.20
6.65%
8.56
16.60
12.76
5.64%
9.05
17.14
14.88
5.34
8.36
18.70
12.06
16.93
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
51
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
29,006,672
28,437,271
8,326,684
(7,757,283)
10,691,836
139,210,607
1,432,084
23,651,366
104,586,167
9,540,990
178,909,115
9,355,104
793,843
12,459,621
35,176,823
97,322,481
16,715,515
16,978,288
80,344,193
3,702,426
37,077,105
41,643,272
40,437,271
8,464,894
(7,258,893)
(115,027)
166,590,718
1,574,207
62,523,365
93,919,805
8,573,341
208,118,963
8,834,275
3,683,783
5,681,887
62,432,977
100,000,757
15,746,457
15,979,351
84,021,406
3,114,632
40,350,003
7,892,204
40,437,271
8,464,894
(41,009,961)
5,992,736
150,672,126
1,335,493
42,361,934
99,111,741
7,862,958
164,557,066
8,836,474
2,952,593
6,429,166
50,209,083
98,362,123
34,711,468
23,778,539
74,583,584
2,751,703
18,794,463
59,912,879
103,028,512
218,276
(43,333,909)
(46,249,209)
141,161,341
1,738,422
47,382,031
85,472,247
6,568,641
154,825,011
7,969,044
1,486,560
14,666,918
47,786,041
84,489,211
34,194,582
23,627,698
60,861,513
2,722,863
19,332,072
60,170,163
103,028,512
225,889
(43,084,238)
(45,783,056)
176,468,070
2,430,030
76,179,065
81,094,447
16,764,528
190,855,177
7,672,866
956,809
3,440,910
83,802,727
94,879,760
32,921,495
23,293,864
71,585,896
275,051
23,120,918
15,201,691
10,799,816
4,401,875
9,657,400
(5,255,525)
2,421,876
8,164,241
6,433,122
(1,099,789)
(7,474,679)
18,272,363
12,872,357
5,400,006
1,195,329
4,204,677
1,681,833
5,242,439
5,345,307
644,071
691,048
16,482,767
13,467,526
3,015,241
10,041,017
(7,025,776)
1,933,774
7,336,960
7,055,824
(12,089,002)
(9,706,760)
14,250,121
12,155,613
2,094,508
2,549,789
455,281
1,976,884
5,064,890
4,823,582
(3,492,009)
(2,067,422)
13,989,306
11,125,821
2,863,485
116,981
2,746,504
2,395,490
5,397,479
5,331,398
440,488
262,080
2,843,727
0.00%
0.00%
21,302,169
93,144,827
4,043,727
0.00%
0.00%
28,507,068
123,505,187
4,043,727
0.00%
0.00%
(16,940,772)
152,511,924
10,302,851
0.00%
0.00%
(6,809,298)
142,890,225
10,302,851
0.00%
0.00%
33,535,245
77,754,924
28.96%
2.46%
-25.77%
-4.18%
1.35%
-2.94%
71.04%
-5.85
46.33%
2.66
-2.63
29.55%
2.59%
1.66%
0.33%
0.81%
2.02%
70.45%
8.30
26.27%
3.18
0.17
18.29%
1.83%
-122.99%
-5.90%
1.18%
-4.27%
81.71%
-0.58
39.84%
3.65
-2.40
14.70%
1.35%
-3.45%
-1.34%
1.28%
0.29%
85.30%
-1.38
31.21%
2.44
-0.20
20.47%
1.50%
0.44%
0.14%
1.26%
1.44%
79.53%
12.10
32.94%
2.23
0.03
5.67%
19.66%
44.91%
58.46%
77.81%
93.05%
75.89%
6.01%
30.00%
40.37%
45.13%
80.05%
106.47%
63.92%
7.16%
30.51%
45.32%
60.23%
91.56%
99.24%
69.53%
6.11%
30.86%
39.31%
55.21%
91.17%
98.85%
63.60%
4.52%
43.91%
37.51%
42.49%
92.46%
117.00%
60.33%
17.18%
17.45%
57.63%
56.88%
101.57%
15.75%
15.98%
37.81%
7.48%
101.48%
35.29%
24.17%
439.82%
42.23%
68.50%
40.47%
27.97%
57.07%
10.79%
69.10%
34.70%
24.55%
54.71%
0.50%
70.76%
16.21%
3.21
10.20
3.61
20.01%
2.97
10.30
2.26
4.80%
19.32
1.95
12.56
38.70%
2.38
5.82
1.43
31.53%
1.29
5.84
1.35
-2.85
41.25
1.75
3.29
127.96
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
52
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,476,330
8,769,517
43,080
(3,336,267)
(14,176)
11,025,182
55,349
437,949
9,859,537
672,347
16,487,336
774,575
331,201
2,313,308
3,829,354
8,605,889
1,961,143
2,442,881
6,163,008
1,157,689
1,918,201
4,883,277
8,769,517
43,080
(3,929,320)
2,192,383
16,658,466
78,127
3,141,284
12,520,633
918,422
23,734,126
961,280
707,912
3,123,377
5,807,829
12,343,360
2,726,295
2,619,949
9,723,411
1,112,169
2,298,148
7,936,255
14,334,734
43,080
(6,441,559)
(10,577)
22,585,442
115,759
6,534,994
14,871,806
1,062,883
30,511,120
1,250,011
1,195,948
1,389,003
11,090,905
14,747,321
2,711,299
2,609,535
12,137,786
1,001,413
2,446,054
8,172,770
14,334,734
90,383
(6,252,347)
9,497
23,148,705
529,005
3,996,032
17,669,297
954,371
31,330,972
1,463,306
59,384
803,459
9,663,613
18,374,905
2,619,410
2,543,578
15,831,327
903,608
2,606,275
8,473,656
14,334,734
150,561
(6,011,639)
42,227
26,337,954
250,709
2,477,466
22,753,644
856,135
34,853,837
2,052,832
2,289,653
2,777,162
8,894,957
17,842,935
2,451,481
2,398,159
15,444,776
832,375
2,562,082
1,758,004
1,071,307
686,697
312,528
374,169
125,429
1,511,039
1,461,077
(1,011,441)
(742,311)
1,878,626
1,208,857
669,769
239,511
430,258
92,224
1,590,906
1,415,235
(1,068,424)
(593,053)
2,384,653
1,350,320
1,034,333
17,599
1,016,734
321,243
1,468,273
1,456,873
(130,296)
(119,594)
3,352,186
1,943,845
1,408,341
46,204
1,454,545
152,397
1,406,048
1,393,321
200,894
236,515
3,054,034
1,721,825
1,332,209
(90,600)
1,422,809
154,505
1,413,280
1,458,244
164,034
300,886
876,952
0.00%
0.00%
4,073,848
30,569,856
876,952
0.00%
0.00%
6,840,004
14,557,877
1,433,473
0.00%
0.00%
5,087,251
17,205,195
1,433,473
0.00%
0.00%
(2,388,547)
29,978,957
1,433,473
0.00%
0.00%
2,027,886
11,344,410
39.06%
4.16%
-13.55%
-4.50%
0.76%
2.27%
60.94%
-1.44
80.23%
11.65
-0.85
35.65%
2.82%
-12.14%
-2.50%
0.39%
1.81%
64.35%
-1.32
80.72%
15.35
-0.68
43.37%
3.39%
-1.51%
-0.39%
1.05%
3.33%
56.63%
-11.18
54.26%
4.54
-0.08
42.01%
4.50%
2.89%
0.75%
0.49%
4.64%
57.99%
6.94
40.12%
9.14
0.16
43.62%
3.82%
3.55%
0.86%
0.44%
4.08%
56.38%
8.89
44.05%
9.44
0.21
6.71%
23.23%
37.38%
59.80%
66.87%
87.28%
83.57%
7.03%
24.47%
40.97%
52.75%
70.19%
98.58%
78.81%
8.02%
36.35%
39.78%
48.74%
74.02%
99.16%
68.89%
4.86%
30.84%
50.53%
56.40%
73.88%
103.99%
84.81%
12.46%
25.52%
44.31%
65.28%
75.57%
78.42%
70.72%
22.79%
28.39%
35.81%
12.79%
124.56%
22.09%
21.23%
55.83%
9.14%
96.10%
18.39%
17.69%
34.16%
0.67%
96.25%
14.26%
13.84%
32.05%
1.82%
97.10%
13.74%
13.44%
28.93%
-3.78%
97.82%
33.22%
5.58
6.24
1.80
20.57%
2.98
5.57
2.56
26.01%
2.17
5.54
1.87
26.09%
3.67
5.70
2.16
24.31%
1.34
5.91
2.69
-5.49
-11.53
-42.54
-10.10
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
53
6.74
SILKBANK LIMITED
Items
A.Total equity (A1 to A3)
1.Share capital
2.Reserves
3.Un appropriated profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
3,089,997
9,003,150
218,556
(6,131,709)
1,301,363
51,253,908
431,537
8,738,616
41,056,630
1,027,125
55,645,268
3,070,067
190,197
1,376,651
12,012,233
38,187,392
12,845,225
7,100,019
31,087,373
3,002,450
4,906,297
196,905
9,003,150
224,649
(9,030,894)
1,566,184
66,901,252
637,602
15,088,332
49,610,034
1,565,284
68,664,341
3,120,880
151,068
1,067,708
20,179,329
40,592,094
11,891,428
8,494,604
32,097,490
3,720,695
8,327,171
13,431,374
26,716,048
0
(13,284,674)
(8,597,427)
67,835,146
836,931
9,871,141
55,706,188
1,420,886
72,669,093
3,414,524
89,355
1,050,754
13,190,048
52,924,512
12,360,000
8,570,106
44,354,406
2,443,805
8,126,201
18,800,542
26,716,048
139,013
(8,054,519)
(13,162,035)
85,031,770
1,679,456
17,781,686
64,071,908
1,498,720
90,670,277
4,436,142
94,322
3,100,803
17,547,640
55,309,362
11,022,942
5,373,083
49,936,279
4,755,911
10,799,180
18,478,435
26,716,048
162,762
(8,400,375)
(13,124,650)
83,707,785
1,978,549
11,376,781
69,050,447
1,302,008
89,061,570
4,006,569
86,002
5,662,423
12,734,898
54,018,762
10,816,957
5,018,268
49,000,494
4,637,334
12,933,850
4,588,299
4,218,901
369,398
1,642,093
(1,272,695)
384,510
1,946,070
1,935,732
(2,834,255)
(2,014,268)
5,913,317
5,855,517
57,800
2,309,355
(2,251,555)
662,187
2,663,091
2,747,856
(4,252,459)
(2,902,905)
6,775,565
5,926,528
849,037
228,114
620,923
1,184,804
3,041,273
3,153,601
(1,235,546)
(1,131,154)
8,385,608
6,514,770
1,870,838
2,629,853
4,500,691
846,586
3,988,359
3,779,045
1,358,918
695,063
8,583,566
6,681,338
1,902,228
(580,489)
2,482,717
1,064,666
4,076,652
4,213,559
(529,269)
(344,271)
900,315
0.00%
0.00%
(7,387,980)
13,208,986
900,315
0.00%
0.00%
6,510,410
13,454,187
2,671,605
0.00%
0.00%
(10,346,069)
18,460,536
2,671,605
0.00%
0.00%
8,225,230
24,940,371
2,671,605
0.00%
0.00%
(6,429,336)
23,457,281
8.05%
0.66%
-65.19%
-3.62%
0.69%
-2.29%
91.95%
-0.68
39.13%
5.03
-2.24
0.98%
0.08%
-1,474.27%
-4.23%
0.96%
-3.28%
99.02%
-0.65
40.50%
4.15
-3.22
12.53%
1.17%
-8.42%
-1.56%
1.63%
0.85%
87.47%
-2.55
38.21%
2.66
-0.42
22.31%
2.06%
3.70%
0.77%
0.93%
4.96%
77.69%
2.78
43.20%
4.46
0.26
22.16%
2.14%
-1.86%
-0.39%
1.20%
2.79%
77.84%
-7.96
42.25%
3.96
-0.13
5.86%
21.59%
55.87%
73.78%
92.11%
93.01%
76.69%
4.77%
29.39%
46.75%
72.25%
97.43%
81.82%
62.74%
4.82%
18.15%
61.04%
76.66%
93.35%
95.01%
80.71%
5.00%
19.35%
55.07%
70.66%
93.78%
86.32%
67.57%
4.60%
14.30%
55.02%
77.53%
93.99%
78.23%
67.16%
33.64%
18.59%
415.70%
23.13%
55.27%
29.29%
20.93%
6,039.17%
27.19%
71.43%
23.35%
16.19%
92.02%
2.66%
69.34%
19.93%
9.71%
58.63%
48.94%
48.74%
20.02%
9.29%
58.54%
-11.57%
46.39%
5.55%
4.27
3.43
13.29
0.29%
68.33
0.22
251.95
18.48%
1.37
5.03
4.15
20.74%
1.33
7.04
3.41
20.75%
1.27
6.92
3.74
3.67
-2.24
9.15
11.83
18.68
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
54
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,965,749
4,114,222
2,016,877
834,650
147,298
73,864,207
1,254,496
8,441,454
61,634,491
2,533,766
80,977,254
5,646,755
3,908,859
3,990,269
14,053,177
49,464,962
5,002,417
1,889,598
47,575,364
3,126,857
2,675,973
7,181,577
5,019,351
2,003,948
158,278
621,624
87,507,071
1,763,401
9,385,522
73,548,226
2,809,922
95,310,272
6,471,173
1,497,193
2,755,377
29,537,179
51,939,441
3,190,077
3,212,338
48,727,103
3,333,891
2,988,356
8,381,360
6,023,221
2,029,036
329,103
536,313
99,188,005
1,857,810
12,370,528
82,016,811
2,942,856
108,105,678
7,247,711
1,400,451
2,531,900
34,985,663
59,293,364
7,096,036
4,617,643
54,675,721
3,468,923
3,795,309
10,236,801
9,029,185
1,182,501
25,115
740,486
118,755,099
1,571,314
14,557,179
99,733,970
2,892,636
129,732,386
8,959,130
879,000
813,190
45,775,969
71,071,622
8,941,653
5,731,675
65,339,947
3,833,916
4,131,234
11,399,026
10,022,396
410,129
966,501
953,874
146,265,336
2,522,405
20,398,487
120,830,571
2,513,873
158,618,236
11,491,348
1,249,168
1,123,067
59,517,180
83,254,363
9,927,397
6,249,357
77,005,006
4,015,233
4,217,234
7,822,941
4,878,347
2,944,594
1,265,942
1,678,652
1,226,206
1,951,625
1,673,590
953,233
701,041
9,337,284
6,602,779
2,734,505
1,633,343
1,101,162
1,168,193
2,078,942
2,113,660
190,413
145,355
10,250,494
7,203,842
3,046,652
1,452,236
1,594,416
1,228,431
2,682,400
2,623,991
140,447
125,440
12,895,306
8,997,385
3,897,921
1,272,178
2,625,743
1,955,203
3,502,675
3,447,925
1,078,271
783,533
14,068,169
9,224,135
4,844,034
519,632
4,324,402
1,856,932
4,459,278
4,248,241
1,722,056
1,104,193
411,422
0.00%
22.00%
4,500,148
30,104,153
501,935
0.00%
0.00%
13,892,687
39,824,682
602,322
0.00%
0.00%
5,497,142
55,540,656
902,919
0.00%
12.50%
11,482,024
32,814,252
1,002,240
0.00%
11.00%
17,381,324
61,324,567
37.64%
3.64%
10.06%
0.87%
1.51%
2.07%
62.36%
1.76
21.57%
1.36
1.70
29.29%
2.87%
2.02%
0.15%
1.23%
1.16%
70.71%
11.10
19.79%
1.81
0.29
29.72%
2.82%
1.50%
0.12%
1.14%
1.47%
70.28%
18.68
23.37%
2.14
0.21
30.23%
3.00%
7.65%
0.60%
1.51%
2.02%
69.77%
3.20
23.59%
1.76
0.87
34.43%
3.05%
9.69%
0.70%
1.17%
2.73%
65.57%
2.47
28.00%
2.29
1.10
11.80%
17.35%
58.75%
76.11%
91.22%
80.26%
70.59%
8.36%
30.99%
51.12%
77.17%
91.81%
70.62%
62.63%
8.00%
32.36%
50.58%
75.87%
91.75%
72.29%
62.82%
7.58%
35.28%
50.37%
76.88%
91.54%
71.26%
62.18%
8.03%
37.52%
48.55%
76.18%
92.21%
68.90%
58.95%
10.11%
3.82%
71.81%
67.00%
37.77%
6.14%
6.18%
44.42%
50.85%
100.70%
11.97%
7.79%
84.66%
31.45%
65.07%
12.58%
8.06%
87.35%
22.20%
64.10%
11.92%
7.51%
87.09%
8.31%
62.95%
8.60%
4.32
16.93
8.85
7.53%
5.55
14.31
10.24
7.75%
6.63
13.92
9.79
7.89%
3.21
11.34
9.74
7.19%
5.38
11.37
10.60
6.42
95.58
43.82
14.65
15.74
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
55
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
44,010,120
38,715,850
1,812,492
3,481,778
(1,252,980)
221,860,038
4,296,420
8,695,730
174,551,801
34,316,087
264,617,178
22,741,035
1,261,582
31,466,898
29,586,663
137,716,271
16,534,389
12,114,806
125,601,465
3,886,275
50,073,260
44,817,406
38,715,850
2,052,347
4,049,209
3,852,905
268,909,813
4,844,638
15,847,326
206,915,825
41,302,024
317,580,124
21,521,592
2,305,891
20,568,064
83,263,661
146,243,792
21,388,480
16,783,638
129,460,154
7,003,915
53,456,847
48,339,869
38,715,850
2,785,229
6,838,790
3,760,200
275,197,331
5,691,864
15,914,343
220,187,888
33,403,236
327,297,400
24,087,885
921,931
30,421,885
72,294,275
163,713,272
22,581,390
18,991,715
144,721,557
6,606,225
48,243,642
51,535,761
38,715,850
3,879,491
8,940,420
4,122,977
308,529,074
4,576,789
19,361,864
235,874,584
48,715,837
364,187,812
26,293,151
3,204,253
20,205,971
104,040,114
159,653,491
26,102,557
22,344,611
137,308,880
6,437,023
66,698,420
50,631,418
38,715,850
5,068,628
6,846,940
4,792,650
343,631,382
6,164,867
23,399,389
266,598,571
47,468,555
399,055,450
31,487,972
2,700,218
19,845,269
131,741,003
169,489,759
27,473,845
24,571,487
144,918,272
6,381,584
61,981,132
23,307,442
6,888,900
16,418,542
9,316,038
7,102,504
6,611,470
12,620,994
12,424,711
1,092,980
677,132
27,242,261
10,725,651
16,516,610
9,447,907
7,068,703
6,924,143
12,477,127
12,148,873
1,515,719
872,411
28,569,842
11,016,266
17,553,576
4,359,235
13,194,341
12,997,894
13,439,371
12,997,894
5,757,685
3,740,855
32,825,124
11,907,713
20,917,411
4,507,477
16,409,934
6,192,553
14,016,159
13,408,462
8,586,328
5,553,141
32,214,232
12,337,997
19,876,235
3,578,599
16,297,636
7,311,963
14,287,244
14,045,547
9,322,355
6,045,864
3,871,585
0.00%
0.00%
(12,894,580)
121,947,090
3,871,585
0.00%
0.00%
46,769,642
150,649,399
3,871,585
6.00%
0.00%
(9,718,375)
164,327,870
3,871,585
10.00%
0.00%
40,845,050
182,579,724
3,871,585
20.00%
0.00%
39,321,043
155,958,393
70.44%
6.20%
1.54%
0.26%
2.50%
2.68%
29.56%
11.37
42.18%
1.88
0.17
60.63%
5.20%
1.95%
0.27%
2.18%
2.23%
39.37%
8.02
36.52%
1.75
0.23
61.44%
5.36%
7.74%
1.14%
3.97%
4.03%
38.56%
2.26
32.33%
1.00
0.97
63.72%
5.74%
10.78%
1.52%
1.70%
4.51%
36.28%
1.56
35.92%
2.17
1.43
61.70%
4.98%
11.94%
1.52%
1.83%
4.08%
38.30%
1.51
36.15%
1.92
1.56
9.07%
11.18%
47.47%
65.96%
83.84%
78.90%
75.15%
7.50%
26.22%
40.76%
65.15%
84.67%
70.68%
65.65%
7.64%
22.09%
44.22%
67.27%
84.08%
74.35%
69.34%
8.10%
28.57%
37.70%
64.77%
84.72%
67.69%
62.55%
8.57%
33.01%
36.32%
66.81%
86.11%
63.57%
58.45%
12.01%
8.80%
37.57%
76.90%
73.27%
14.63%
11.48%
47.72%
56.29%
78.47%
13.79%
11.60%
46.71%
22.95%
84.10%
16.35%
14.00%
50.65%
20.17%
85.60%
16.21%
14.50%
54.26%
14.56%
89.44%
16.63%
2.77
11.37
3.97
14.11%
3.36
11.58
4.62
14.77%
3.40
12.49
4.55
14.15%
3.54
13.31
4.58
12.69%
3.08
13.08
5.27
53.61
-2.60
7.36
6.50
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
1.Cash generated from opration activities to profit after tax (E4/D10) (times)
56
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,132,731
5,000,000
1,314,828
(182,097)
(312,611)
18,982,697
75,963
1,869,940
16,616,466
420,328
24,802,817
1,349,649
65,580
200,000
5,094,613
16,510,341
751,663
751,663
15,758,678
927,882
1,406,415
4,065,941
5,000,000
1,064,828
(1,998,887)
(11,541)
34,118,975
213,209
1,554,801
31,307,488
1,043,477
38,173,375
1,923,526
724,802
1,433,817
12,446,033
21,072,058
2,568,243
2,568,243
18,503,815
1,570,754
1,570,628
3,494,032
7,250,660
(1,335,050)
(2,421,578)
(220,764)
68,883,636
357,293
5,257,243
61,537,424
1,731,676
72,156,904
4,047,590
375,207
0
20,204,357
44,477,357
11,394,074
5,723,944
38,753,413
2,781,943
5,994,394
5,502,434
10,779,796
(1,811,675)
(3,465,687)
198,120
113,566,961
900,750
18,562,616
89,665,301
4,438,294
119,267,515
6,117,998
1,433,614
1,069,757
36,098,644
68,381,073
22,417,723
12,381,409
55,999,664
6,175,011
12,372,827
2,840,291
10,779,796
(1,811,675)
(6,127,830)
165,764
131,283,011
1,654,302
28,900,432
96,815,372
3,912,905
134,289,066
8,110,198
3,601,183
2,038,500
49,777,088
64,942,457
23,409,947
12,393,303
52,549,154
5,450,400
12,762,543
2,471,982
1,585,875
886,107
623,202
262,905
166,780
776,959
774,742
(347,274)
(191,408)
3,514,363
2,877,797
636,566
2,040,787
(1,404,221)
1,208,532
1,077,054
1,064,723
(2,285,586)
(2,066,790)
7,068,952
6,100,832
968,120
2,230,522
1,262,402
623,446
3,250,790
2,790,634
(3,889,746)
(3,032,144)
9,550,022
9,016,895
533,127
512,139
20,988
764,744
3,936,508
3,889,496
(3,149,628)
(1,182,769)
10,262,500
10,133,076
129,424
22,942
106,482
1,425,650
4,032,501
4,006,090
(2,499,096)
(2,717,281)
500,000
0.00%
11.11%
1,156,154
25,857,630
500,000
0.00%
0.00%
8,975,769
35,826,776
725,066
0.00%
0.00%
4,361,206
45,997,746
1,077,980
0.00%
0.00%
8,300,938
45,997,746
1,077,980
0.00%
0.00%
17,593,639
54,414,503
35.85%
3.57%
-3.12%
-0.77%
0.67%
1.06%
64.15%
-2.23
29.44%
4.65
-0.38
18.11%
1.67%
-50.83%
-5.41%
3.17%
-3.68%
81.89%
-0.47
22.80%
0.88
-4.13
13.70%
1.34%
-86.78%
-4.20%
0.86%
1.75%
86.30%
-0.72
42.26%
4.48
-4.18
5.58%
0.45%
-21.50%
-0.99%
0.64%
0.02%
94.42%
-1.23
38.16%
5.09
-1.10
1.26%
0.10%
-95.67%
-2.02%
1.06%
0.08%
98.74%
-1.60
34.50%
2.81
-2.52
5.71%
20.54%
63.54%
66.99%
76.53%
99.36%
89.31%
6.94%
32.60%
48.47%
82.01%
89.38%
67.31%
64.12%
6.13%
28.00%
53.71%
85.28%
95.46%
72.28%
66.59%
6.33%
30.27%
46.95%
75.18%
95.22%
76.26%
63.18%
8.72%
37.07%
39.13%
72.09%
97.76%
67.08%
51.66%
4.55%
4.55%
12.26%
82.91%
100.00%
12.19%
12.19%
63.16%
79.46%
100.00%
25.62%
12.87%
326.10%
38.97%
50.24%
32.78%
18.11%
407.41%
4.14%
55.23%
36.05%
19.08%
824.21%
0.19%
52.94%
24.73%
4.22
12.27
2.71
10.65%
8.81
8.13
7.70
4.84%
13.16
4.82
17.61
4.61%
8.36
5.10
16.30
2.12%
19.16
2.63
34.09
-6.04
-4.34
-1.44
-7.02
-6.47
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
57
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
45,076,576
10,117,188
17,256,061
17,703,327
4,319,088
571,311,725
5,210,870
44,749,690
492,267,898
29,083,267
620,707,389
50,143,570
14,540,306
22,805,341
115,057,090
397,736,446
28,552,722
19,791,080
377,945,366
19,926,915
20,288,801
55,914,736
11,128,907
21,167,954
23,617,875
11,403,627
573,103,548
5,166,361
37,168,277
503,831,672
26,937,238
640,421,911
61,562,141
14,049,990
23,162,130
137,734,578
390,493,953
40,065,237
28,414,357
362,079,596
23,734,082
18,099,394
63,919,969
12,241,798
24,101,838
27,576,333
11,214,211
651,288,371
5,074,700
47,631,814
567,611,258
30,970,599
726,422,551
67,667,226
26,430,928
11,934,778
231,717,214
376,480,024
51,144,170
34,969,612
341,510,412
24,684,566
22,477,427
73,945,411
12,241,798
27,495,959
34,207,654
11,975,235
721,284,142
5,879,043
50,845,877
633,889,416
30,669,806
807,204,788
86,502,444
19,225,488
9,536,211
301,106,877
382,115,775
39,967,562
40,976,256
341,139,519
25,722,481
23,971,768
82,772,301
12,241,798
32,298,690
38,231,813
18,082,083
859,356,031
7,600,633
67,215,209
755,264,264
29,275,925
960,210,415
94,766,489
22,843,080
21,953,458
381,245,903
430,694,442
53,567,224
44,860,181
385,834,261
27,460,839
26,106,385
52,763,249
24,247,281
28,515,968
7,753,688
20,762,280
11,199,152
17,780,935
16,679,968
14,052,051
8,445,251
61,745,462
28,323,272
33,422,190
12,879,215
20,542,975
12,070,500
18,911,237
17,803,338
14,392,181
9,487,952
60,046,011
25,207,785
34,838,226
8,150,258
26,687,968
10,584,485
19,861,194
19,137,857
17,688,623
11,020,925
71,374,143
31,305,056
40,071,787
7,274,864
32,796,923
13,129,783
22,067,945
21,253,504
23,633,636
14,887,113
75,379,861
35,736,985
39,642,876
4,246,967
35,395,909
17,194,831
26,577,953
25,448,913
28,410,446
19,279,784
1,011,718
25.00%
10.00%
1,025,033
48,668,314
1,112,891
25.00%
10.00%
27,084,242
450,962,490
1,224,180
50.00%
0.00%
105,607,607
269,878,986
1,224,180
75.00%
0.00%
100,937,130
261,653,953
1,224,180
85.00%
0.00%
94,242,177
561,832,979
54.05%
4.59%
18.74%
1.36%
1.80%
3.34%
45.95%
1.19
27.80%
1.49
8.35
54.13%
5.22%
16.97%
1.48%
1.88%
3.21%
45.87%
1.24
25.62%
1.47
8.53
58.02%
4.80%
17.24%
1.52%
1.46%
3.67%
41.98%
1.08
28.12%
1.81
9.00
56.14%
4.96%
20.13%
1.84%
1.63%
4.06%
43.86%
0.90
26.11%
1.62
12.16
52.59%
4.13%
23.29%
2.01%
1.79%
3.69%
47.41%
0.90
28.71%
1.48
15.75
10.42%
18.54%
60.89%
79.31%
92.04%
80.80%
74.06%
11.81%
21.51%
56.54%
78.67%
89.49%
77.50%
72.18%
12.95%
31.90%
47.01%
78.14%
89.66%
66.33%
61.19%
13.10%
37.30%
42.26%
78.53%
89.36%
60.28%
55.80%
12.25%
39.70%
40.18%
78.66%
89.50%
57.03%
52.37%
7.18%
4.98%
63.34%
39.18%
69.31%
10.26%
7.28%
71.65%
45.33%
70.92%
13.58%
9.29%
80.01%
23.31%
68.37%
10.46%
10.72%
54.05%
17.75%
102.52%
12.44%
10.42%
64.72%
9.47%
83.75%
7.26%
1.08
44.55
10.92
8.73%
8.07
50.24
9.01
8.80%
4.22
52.21
8.88
9.16%
3.54
60.40
8.57
8.62%
6.79
67.61
9.12
0.12
2.85
9.58
6.78
4.89
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
58
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
(7,631,049)
15,506,103
2,438,371
(25,575,523)
3,494,010
134,345,948
755,721
83,318,134
13,883,492
36,388,601
130,208,909
2,840,235
18,315,949
700,000
12,046,115
101,188,798
22,710,747
21,074,895
80,113,903
5,106,662
11,086,045
(8,401,902)
15,506,595
2,474,080
(26,382,577)
3,667,038
134,175,343
750,837
83,291,453
13,993,545
36,139,508
129,440,479
2,732,123
18,153,423
514,714
11,287,064
101,603,284
29,549,247
20,845,933
80,757,351
5,092,505
10,903,299
(2,357,651)
15,507,008
5,667,412
(23,532,071)
4,112,638
142,867,257
382,039
80,411,173
19,388,626
42,685,419
144,622,244
3,938,119
12,711,768
108,802
14,337,679
114,863,661
32,828,790
20,875,323
93,988,338
5,088,581
14,448,957
3,400,433
15,507,532
9,401,686
(21,508,785)
4,722,128
141,606,251
424,070
77,927,198
17,679,270
45,575,713
149,728,812
3,877,585
13,369,905
875,567
19,444,243
114,608,118
34,587,578
20,393,166
94,214,952
5,098,297
12,848,263
8,114,652
15,351,097
11,007,594
(18,244,039)
5,261,557
146,980,411
437,560
79,171,231
17,407,827
49,963,792
160,356,619
4,394,306
9,988,434
811,007
25,493,629
119,722,057
34,212,906
20,450,700
99,271,357
4,826,071
15,571,815
10,686,103
5,110,072
5,576,031
1,333,576
3,031,251
6,363,253
6,819,291
5,844,945
4,161,233
2,322,667
10,961,387
6,273,993
4,687,354
1,823,956
2,863,438
6,310,426
6,912,356
6,616,341
3,131,648
1,731,787
11,382,350
5,567,663
5,814,687
1,756,218
4,188,997
4,967,514
6,693,127
6,684,865
2,463,384
1,482,473
12,186,304
5,200,549
7,558,555
853,140
6,474,415
3,394,097
6,302,529
6,125,243
3,572,001
2,435,519
13,795,807
4,506,849
9,288,958
1,213,615
8,075,343
4,597,348
8,815,351
8,668,686
3,857,340
2,528,709
1,511,536
1,511,541
1,497,415
1,497,421
1,497,421
N/A
N/A
(2,141,072)
23,033,910
N/A
N/A
(34,771)
26,032,331
N/A
N/A
(220,985)
15,407,849
N/A
N/A
2,177,250
14,728,671
N/A
N/A
(164,521)
15,999,364
52.18%
4.28%
-30.44%
1.78%
4.89%
2.33%
47.82%
1.40
40.00%
0.92
1.54
42.76%
3.62%
-20.61%
1.34%
4.88%
2.21%
57.24%
2.11
40.02%
1.05
1.15
51.09%
4.02%
-62.88%
1.03%
3.43%
2.90%
48.91%
2.71
40.94%
1.35
0.99
62.02%
4.67%
71.62%
1.63%
2.27%
4.32%
42.68%
1.71
40.45%
1.80
1.63
67.33%
5.79%
31.16%
1.58%
2.87%
5.04%
32.67%
2.25
47.93%
1.89
1.69
16.25%
9.25%
61.53%
10.66%
103.18%
728.84%
104.10%
16.14%
8.72%
62.39%
10.81%
103.66%
726.07%
104.44%
11.51%
9.91%
64.99%
13.41%
98.79%
592.43%
115.09%
11.52%
12.99%
62.92%
11.81%
94.58%
648.26%
119.87%
8.97%
15.90%
61.91%
10.86%
91.66%
687.75%
123.96%
22.44%
20.83%
-297.61%
6.33%
92.80%
29.08%
20.52%
-351.70%
8.75%
70.55%
28.58%
18.17%
-1,392.44%
8.41%
63.59%
30.18%
17.79%
1,017.15%
4.18%
58.96%
28.58%
17.08%
421.62%
5.93%
59.77%
-5.86%
-3.02
-5.05
-1.82
-6.49%
-3.10
-5.56
-1.67
-1.63%
-6.54
-1.57
-8.22
2.27%
4.33
2.27
5.20
5.06%
1.97
5.42
2.15
-0.92
-0.02
-0.15
0.89
-0.07
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
59
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
(27,942,705)
157,000
750,548
(28,850,253)
(252,683)
35,440,978
29,471
22,542,821
4,637,119
8,231,567
7,245,590
212,428
30,513
600,000
4,036,610
6,492,401
0
6,367,623
124,778
125,120
2,116,141
(27,804,610)
157,000
750,548
(28,712,158)
(365,817)
33,978,550
38,612
22,305,318
3,796,797
7,837,823
5,808,123
183,885
50,313
481,269
3,178,546
6,411,877
6,283,508
6,269,695
142,182
120,568
1,651,360
(27,709,145)
157,000
750,548
(28,616,693)
(254,642)
33,121,740
13,717
22,466,356
3,313,563
7,328,104
5,157,953
150,299
64,681
108,802
3,015,974
6,266,499
6,158,107
6,158,107
108,392
123,390
1,586,415
(27,673,517)
157,000
750,548
(28,581,065)
(227,663)
33,045,645
20,096
22,553,874
3,274,523
7,197,152
5,144,465
137,589
59,750
75,567
2,864,998
6,294,331
6,226,954
6,192,209
102,122
59,364
1,845,075
(27,501,370)
1
0
(27,501,370)
34,191
32,014,058
10,559
24,292,043
575,373
7,136,082
4,546,879
57,432
20,171
61,007
1,930,923
6,247,019
6,221,583
6,193,926
53,093
55,240
2,369,013
441,814
616,701
(174,887)
(605,602)
(780,489)
160,487
793,010
158,076
173,008
128,542
404,055
689,973
(285,958)
(159,224)
(126,694)
422,828
155,888
180,890
140,246
138,095
284,378
537,511
(253,133)
65,264
(187,869)
477,293
192,004
196,798
97,420
95,465
300,466
586,866
286,400
96,224
(190,176)
223,134
35,967
187,125
3,009
35,628
74,435
105,173
(30,738)
(9,278)
(21,460)
76,205
78,331
78,228
(23,586)
(23,866)
15,700
0.00%
0.00%
(549,050)
139,219
15,700
0.00%
0.00%
(756,259)
145,208
1,570
0.00%
0.00%
(280,827)
141,970
1,570
0.00%
0.00%
(255,917)
142,059
1,570
0.00%
0.00%
(1,016,245)
142,059
-39.58%
-2.41%
-0.46%
1.77%
2.21%
-10.77%
139.58%
0.91
131.66%
0.98
8.19
-70.77%
-4.92%
-0.50%
2.38%
7.28%
-2.18%
170.76%
1.29
18.85%
0.43
8.80
-89.01%
-4.91%
-0.34%
1.85%
9.25%
-3.64%
189.01%
2.02
25.21%
0.41
60.81
95.32%
-5.57%
-0.13%
0.69%
4.34%
-3.70%
195.32%
62.19
6.87%
0.84
22.69
-41.30%
-0.68%
0.09%
-0.52%
1.68%
-0.47%
141.30%
-3.32
52.00%
1.03
-15.20
3.35%
55.71%
1.72%
64.00%
489.14%
140.01%
23.89%
4.03%
54.73%
2.45%
65.37%
585.02%
168.88%
24.56%
4.17%
58.47%
2.10%
64.24%
642.15%
189.12%
24.31%
3.84%
55.69%
1.99%
63.65%
642.35%
192.22%
24.37%
1.71%
42.47%
1.17%
12.65%
704.09%
1,085.73%
25.12%
0.00%
98.08%
0.00%
-9.51%
98.00%
97.78%
-22.60%
-2.54%
99.78%
98.27%
98.27%
-22.22%
1.06%
100.00%
98.93%
98.38%
-22.50%
1.55%
99.44%
99.59%
99.15%
-22.62%
-0.15%
99.56%
-385.65%
0.00
-1,779.79
-0.17
-478.72%
-0.01
-1,770.99
-0.14
-537.21%
-0.01
-17,649.14
-0.12
-537.93%
-0.01
-17,626.44
-0.12
-604.84%
-0.01
-17,516.80
-0.02
-4.27
-5.48
-2.94
-7.18
42.58
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
60
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,356,333
2,392,507
199,356
(235,530)
(401,844)
3,802,521
37,686
1,518,100
1,892,018
354,717
5,757,010
200,112
49,751
100,000
2,545,053
7,942,929
5,496,498
5,416,607
2,526,322
124,546
211,226
2,426,535
2,392,507
235,636
(201,608)
(69,984)
5,192,070
54,542
1,728,922
2,934,403
474,203
7,548,621
213,861
79,660
33,445
2,701,816
9,243,470
6,166,877
5,285,573
3,957,897
122,462
439,480
2,184,805
2,392,507
234,660
(442,362)
(61,157)
4,508,821
40,505
1,437,604
2,651,948
378,764
6,632,469
228,062
20,912
0
2,680,334
8,744,596
5,995,141
5,436,997
3,307,599
132,586
262,976
1,976,571
2,392,507
234,660
(650,596)
21,753
5,758,864
183,863
2,171,669
2,999,192
404,140
7,757,188
214,655
9,865
800,000
3,027,667
8,655,771
5,937,822
5,306,693
3,349,078
135,321
220,602
1,564,101
2,392,507
234,660
(1,063,066)
74,488
7,759,271
102,132
3,587,031
3,326,423
743,685
9,397,860
278,502
44,228
750,000
4,569,617
8,709,930
5,877,266
5,362,510
3,347,420
145,414
262,679
774,797
385,379
389,418
11,368
378,050
58,647
568,691
570,101
(131,994)
(532,948)
879,072
523,653
355,419
58,921
296,498
21,478
1,216,276
1,236,080
(28,160)
(33,894)
647,521
350,732
296,789
166,780
130,009
62,287
529,348
517,111
(337,052)
(297,652)
728,192
432,919
295,273
74,676
369,949
26,738
613,257
608,610
(216,570)
(225,031)
819,120
537,819
281,301
70,514
210,787
18,859
641,119
636,726
(411,473)
(420,282)
239,251
0.00%
0.00%
550,566
2,550,866
239,251
0.00%
0.00%
(539,136)
2,988,550
239,251
0.00%
0.00%
(4,386)
3,658,819
239,251
0.00%
0.00%
490,316
3,658,819
239,251
0.00%
0.00%
1,656,889
4,950,066
50.26%
6.76%
-22.62%
-9.26%
1.02%
6.57%
49.74%
-4.32
68.23%
9.72
-2.23
40.43%
4.71%
-1.40%
-0.45%
0.28%
3.93%
59.57%
-43.89
135.06%
57.55
-0.14
45.83%
4.47%
-13.62%
-4.49%
0.94%
1.96%
54.17%
-1.53
74.58%
8.30
-1.24
40.55%
3.81%
-11.38%
-2.90%
0.34%
4.77%
59.45%
-2.81
81.23%
22.76
-0.94
34.34%
2.99%
-26.87%
-4.47%
0.20%
2.24%
65.66%
-1.55
76.51%
33.76
-1.76
4.34%
44.21%
43.88%
32.86%
66.05%
419.81%
232.92%
3.89%
35.79%
52.43%
38.87%
68.78%
315.00%
198.22%
3.75%
40.41%
49.87%
39.98%
67.98%
329.74%
213.83%
2.89%
39.03%
43.17%
38.66%
74.24%
288.60%
167.40%
3.43%
48.62%
35.62%
35.40%
82.56%
261.84%
125.99%
69.20%
68.19%
233.26%
0.21%
98.55%
66.72%
57.18%
254.14%
1.11%
85.71%
68.56%
62.18%
274.40%
3.07%
90.69%
68.60%
61.31%
300.41%
1.41%
89.37%
67.48%
61.57%
375.76%
1.31%
91.24%
40.93%
1.08
9.85
0.80
32.15%
1.23
10.14
1.21
32.94%
1.67
9.13
1.21
25.48%
1.85
8.26
1.52
16.64%
3.16
6.54
2.13
-1.03
15.91
0.01
-2.18
-3.94
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
61
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,066,511
434,155
402,298
230,058
3,654,089
10,113,896
75,186
8,000,000
1,929,185
109,525
14,834,496
695,200
2,230,225
0
508,762
8,983,220
4,228,634
1,443,914
7,539,306
3,712,774
148,229
87,361
434,647
401,727
(749,013)
3,608,391
10,016,170
44,305
8,000,000
1,837,175
134,690
13,711,922
601,882
2,017,990
0
451,012
8,177,689
4,113,247
1,443,914
6,733,775
3,705,253
202,010
2,304,214
435,060
2,797,793
(928,639)
3,586,269
9,355,390
21,777
5,250,000
3,820,343
263,270
15,245,873
814,147
1,709,436
0
799,673
7,385,647
3,430,614
1,605,894
5,779,753
3,700,872
2,441,992
6,089,755
435,584
6,103,037
(448,866)
3,614,195
4,655,249
11,994
1,944,442
2,443,098
255,715
14,359,199
468,879
2,123,846
0
1,503,620
7,625,939
2,498,221
1,605,893
6,020,046
3,736,445
506,363
8,454,769
436,148
7,941,588
77,033
3,353,994
2,743,763
30,845
0
2,409,075
303,843
14,552,526
533,867
923,473
0
1,108,617
9,416,313
2,189,476
1,605,893
7,810,420
3,445,150
730,999
984,869
618,581
366,288
3,551
362,737
355,393
596,544
596,293
121,586
120,416
1,193,637
1,570,956
(377,319)
0
(377,319)
77,394
679,146
678,896
(979,071)
(979,071)
1,553,750
965,655
588,095
158,452
429,643
76,830
681,299
680,681
(174,826)
(179,626)
1,647,318
386,027
1,261,291
0
1,261,291
73,906
826,794
826,662
508,403
479,773
1,580,867
126,469
1,454,398
88,059
1,366,339
85,896
1,049,244
877,831
402,991
383,330
4,342
0.00%
0.00%
(3,725,168)
9,031,919
4,346
0.00%
0.00%
(321,956)
11,586,667
4,351
0.00%
0.00%
(2,135,260)
241,483
4,356
0.00%
0.00%
(2,529,962)
392,711
4,356
0.00%
0.00%
(3,326,137)
372,157
37.19%
2.47%
11.29%
0.81%
2.40%
2.45%
62.81%
4.90
44.51%
1.68
27.74
-31.61%
-2.75%
-1,120.72%
-7.14%
0.56%
-2.75%
131.61%
-0.69
53.43%
8.77
-225.26
37.85%
3.86%
-7.80%
-1.18%
0.50%
2.82%
62.15%
-3.89
41.78%
8.86
-41.29
76.57%
8.78%
7.88%
3.34%
0.51%
8.78%
23.43%
1.63
48.04%
11.19
110.14
92.00%
9.99%
4.53%
2.63%
0.59%
9.39%
8.00%
2.18
62.95%
10.22
88.00
19.72%
3.43%
50.82%
13.00%
68.18%
465.65%
90.47%
19.11%
3.29%
49.11%
13.40%
73.05%
445.12%
83.13%
16.55%
5.25%
37.91%
25.06%
61.36%
193.32%
81.43%
18.06%
10.47%
41.92%
17.01%
32.42%
312.14%
173.81%
10.01%
7.62%
53.67%
16.55%
18.85%
390.87%
390.87%
47.07%
16.07%
396.49%
0.25%
34.15%
50.30%
17.66%
4,708.33%
0.00%
35.10%
46.45%
21.74%
148.88%
9.87%
46.81%
32.76%
21.06%
41.02%
0.00%
64.28%
23.25%
17.05%
25.90%
5.48%
73.35%
7.19%
8.47
245.65
1.81
0.64%
132.63
20.10
21.03
15.11%
0.10
529.63
1.66
42.41%
0.06
1,398.02
0.40
58.10%
0.04
1,940.95
0.28
-30.94
0.33
11.89
-5.27
-8.68
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
62
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
16,888,812
12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378
51,257,213
5,425,170
27,692,792
102,371,813
1,732,495
16,005,460
0
4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
16,888,812
12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378
51,257,213
5,425,170
27,692,792
102,371,813
1,732,495
16,005,460
0
4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
20,862,475
12,522,441
1,884,411
6,455,623
842,168
95,881,306
306,040
51,257,213
9,602,772
34,715,281
117,585,949
2,745,611
10,916,739
0
7,841,698
92,466,919
17,244,928
7,674,325
84,792,594
1,131,733
10,157,574
23,007,624
12,522,441
2,313,441
8,171,742
1,313,843
98,146,493
208,117
51,257,213
8,962,457
37,718,706
122,467,960
3,056,462
11,176,444
0
12,047,958
92,032,077
19,924,581
7,288,371
84,743,706
1,167,167
10,276,223
25,597,151
12,522,441
2,831,346
10,243,364
1,798,884
104,463,319
294,024
51,292,157
11,096,956
41,780,182
131,859,354
3,524,505
9,000,562
0
17,884,472
95,348,795
19,924,581
7,288,371
88,060,424
1,180,267
12,209,124
8,484,623
3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657
8,484,623
3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657
8,896,701
3,713,765
5,182,936
1,365,722
3,817,214
4,351,104
5,290,476
5,290,275
2,877,842
1,864,286
9,510,328
3,794,737
5,715,591
682,240
5,033,351
3,070,319
4,826,511
4,502,846
3,277,159
2,145,149
11,321,385
3,737,388
7,583,997
1,064,320
6,519,677
4,416,388
7,046,657
7,075,901
3,889,408
2,589,527
1,252,244
0.00%
0.00%
1,582,580
11,311,906
1,252,244
0.00%
0.00%
1,582,580
11,311,906
1,252,244
0.00%
0.00%
2,199,488
11,365,577
1,252,244
0.00%
0.00%
4,472,813
10,535,082
1,252,244
0.00%
0.00%
2,520,972
10,535,082
58.87%
4.88%
15.43%
2.55%
5.65%
3.00%
41.13%
1.13
34.06%
0.78
2.08
58.87%
4.88%
15.43%
2.55%
5.65%
3.00%
41.13%
1.13
34.06%
0.78
2.08
58.26%
4.41%
8.94%
1.59%
3.70%
3.25%
41.74%
1.84
39.93%
1.22
1.49
60.10%
4.67%
9.32%
1.75%
2.51%
4.11%
39.90%
1.37
38.36%
1.47
1.71
66.99%
5.75%
10.12%
1.96%
3.35%
4.94%
33.01%
1.82
44.78%
1.60
2.07
17.33%
4.84%
68.30%
5.30%
83.02%
1,433.51%
137.20%
17.33%
4.84%
68.30%
5.30%
83.02%
1,433.51%
137.20%
11.62%
6.67%
72.11%
8.17%
81.54%
962.92%
151.93%
11.62%
9.84%
69.20%
7.32%
80.14%
1,026.86%
152.83%
9.50%
13.56%
66.78%
8.42%
79.22%
859.23%
152.83%
16.70%
10.09%
76.89%
24.52%
60.43%
16.70%
10.09%
76.89%
24.52%
60.43%
18.65%
8.30%
82.66%
17.80%
44.50%
21.65%
7.92%
86.60%
9.36%
36.58%
20.90%
7.64%
77.84%
14.60%
36.58%
16.50%
0.67
13.49
0.32
16.50%
0.67
13.49
0.32
17.74%
0.54
16.66
0.46
18.79%
0.46
18.37
0.39
19.41%
0.41
20.44
0.43
0.61
0.61
1.18
2.09
0.97
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
63
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
34,504,276
32,130,320
75,785
2,298,171
(532,853)
200,590,252
4,423,404
17,346,929
147,938,165
30,881,754
234,561,675
34,935,292
18,369,224
29,913,984
22,592,924
104,440,711
3,136,262
2,519,229
101,921,482
3,697,504
23,131,265
35,848,774
34,884,218
92,715
871,841
(109,477)
205,297,310
3,597,659
16,730,580
160,936,430
24,032,641
241,036,607
34,793,226
16,269,846
32,117,954
52,372,610
95,113,870
6,390,991
4,788,386
90,325,484
3,589,490
11,567,997
34,798,653
33,990,807
125,573
682,273
(290,802)
198,745,518
5,563,282
15,425,137
156,330,793
21,426,306
233,253,369
32,794,541
4,071,743
36,480,166
79,809,697
71,494,989
9,092,759
5,866,992
65,627,997
2,223,119
12,246,106
42,686,834
38,719,753
149,286
3,817,795
(156,810)
212,744,960
3,985,328
21,464,351
167,870,827
19,424,454
255,274,984
38,476,243
4,428,638
18,354,071
113,381,404
73,215,564
7,600,522
6,803,909
66,411,655
2,176,487
12,046,486
40,764,761
41,149,068
154,932
(539,239)
18,339
205,907,668
3,685,078
23,815,591
158,703,062
19,703,937
246,690,768
41,734,099
14,002,488
30,102,521
85,518,862
67,871,914
9,112,571
8,550,234
59,321,680
1,741,337
14,269,781
18,232,589
9,098,668
9,133,921
4,568,218
4,609,161
5,772,095
10,374,744
10,318,250
6,512
650,623
22,263,026
12,197,135
10,065,891
4,727,009
5,340,538
5,608,678
12,054,031
11,898,100
(850,572)
(809,378)
20,412,048
5,093,661
9,890,805
2,621,491
7,313,652
4,838,183
9,536,841
9,360,937
2,046,648
959,711
24,027,713
12,183,100
11,844,613
1,346,793
10,540,008
4,551,421
9,730,146
9,633,773
5,600,422
3,660,658
20,465,084
10,034,708
10,430,376
1,902,267
8,528,109
4,677,921
11,446,772
11,366,923
916,376
(227,213)
32,730,565
400,482,828
26,615,972
389,092,022
12,685,046
445,240,807
28,223,861
456,416,758
50.10%
3.89%
1.89%
0.28%
2.46%
1.97%
49.90%
1,584.50
43.22%
1.79
45.21%
4.18%
-2.26%
-0.34%
2.33%
2.22%
54.79%
-13.99
43.25%
2.12
48.46%
6.57%
2.76%
0.41%
2.07%
3.14%
24.95%
4.57
37.77%
1.93
49.30%
4.64%
8.58%
1.43%
1.78%
4.13%
50.70%
1.72
34.05%
2.12
50.97%
4.23%
-0.56%
-0.09%
1.90%
3.46%
49.03%
12.40
45.53%
2.43
22.73%
9.63%
43.45%
63.07%
85.52%
70.60%
63.19%
21.18%
21.73%
37.47%
66.77%
85.17%
59.10%
53.53%
15.81%
34.22%
28.14%
67.02%
85.21%
45.73%
41.63%
16.81%
44.42%
26.02%
65.76%
83.34%
43.61%
38.67%
22.59%
34.67%
24.05%
64.33%
83.47%
42.77%
37.19%
3.00%
2.41%
9.09%
181.33%
80.33%
6.72%
5.03%
17.83%
98.72%
74.92%
12.72%
8.21%
26.13%
44.68%
64.52%
10.38%
9.29%
17.81%
19.79%
89.52%
13.43%
12.60%
22.35%
22.25%
93.83%
14.71%
11.61
4.29
14.87%
10.85
4.49
14.92%
12.79
4.49
16.72%
10.69
3.93
16.52%
10.02
3.89
13.22
7.71
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
9,592,298
408,532,273
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
1.Cash generated from operating activities to profit after tax (E1/D10) (times)
64
-32.88
-42.22
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,330,486
7,139,900
0
(809,414)
1,507
18,272,040
256,590
2,476,155
14,557,453
981,842
24,604,033
1,609,550
392,032
1,485,808
9,332,849
9,713,315
0
33,841
9,679,474
1,381,260
723,060
6,840,022
9,320,564
0
(2,480,542)
5,578
35,697,127
317,339
2,988,707
29,920,456
2,470,625
42,542,727
2,434,134
1,517,901
5,857,743
11,625,172
18,228,753
931,048
194,968
18,033,785
1,451,343
1,622,649
6,476,901
9,756,756
0
(3,279,855)
(8,849)
41,812,643
402,249
7,193,234
32,301,878
1,915,282
48,280,695
2,912,164
2,189,397
1,646,369
21,014,371
17,897,052
612,471
460,193
17,436,859
928,091
2,153,444
6,921,917
9,756,756
0
(2,834,839)
2,242
51,099,611
573,408
4,437,328
44,664,909
1,423,966
58,023,770
3,725,801
2,649,904
4,038,234
23,791,214
21,506,942
644,049
508,545
20,998,397
802,563
2,017,657
6,818,947
10,807,382
0
(3,988,435)
5,237
40,954,083
521,584
9,291,803
29,957,830
1,182,866
47,778,267
4,694,728
3,711,567
0
19,402,553
18,625,716
881,824
881,824
17,743,892
513,034
1,712,493
832,665
335,338
497,327
33,841
463,486
28,515
1,700,415
1,700,315
(1,208,414)
(809,414)
3,336,395
2,000,062
1,336,333
161,127
1,175,206
72,953
3,976,964
3,975,517
(2,343,683)
(1,671,128)
4,391,663
2,756,649
1,635,014
268,149
1,366,865
359,985
2,486,406
2,484,133
(1,224,843)
(799,313)
5,517,128
3,507,884
2,009,244
50,886
1,958,358
517,865
2,061,999
2,024,219
653,363
445,016
4,492,307
2,733,763
1,758,544
378,341
1,380,203
398,214
1,976,361
1,965,680
(1,040,826)
(1,153,596)
5,675,244
2,475,663
2,554,422
8,426,357
10,264,246
9,490,085
4,181,079
21,707,157
(3,452,934)
14,303,464
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
59.73%
2.02%
-12.79%
-3.29%
0.12%
1.88%
40.27%
-1.41
197.45%
59.63
40.05%
3.14%
-24.43%
-3.93%
0.17%
2.76%
59.95%
-1.70
116.65%
54.49
37.23%
3.39%
-12.34%
-1.66%
0.75%
2.83%
62.77%
-2.03
52.33%
6.90
36.42%
3.46%
6.43%
0.77%
0.89%
3.38%
63.58%
3.10
34.17%
3.91
39.15%
3.68%
-16.92%
-2.41%
0.83%
2.89%
60.85%
-1.89
40.41%
4.94
8.14%
37.93%
39.34%
59.17%
74.26%
66.72%
57.02%
9.29%
27.33%
42.39%
70.33%
83.91%
60.92%
55.39%
10.57%
43.53%
36.12%
66.90%
86.60%
55.41%
45.31%
10.99%
41.00%
36.19%
76.98%
88.07%
48.15%
43.80%
17.59%
40.61%
37.14%
62.70%
85.72%
62.17%
47.45%
0.00%
0.35%
0.00%
100.00%
5.11%
1.07%
13.61%
82.64%
20.94%
3.42%
2.57%
9.46%
58.27%
75.14%
2.99%
2.36%
9.30%
10.01%
78.96%
4.73%
4.73%
12.93%
42.90%
100.00%
25.73%
0.39
2.30
16.08%
1.23
4.37
13.42%
1.47
4.99
11.93%
3.14
6.45
14.27%
2.10
4.39
-7.01
-1.53
-12.84
9.40
2.99
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
65
CITI BANK N. A.
Items
A.Total equity (A1 to A3)
1.Head office capital account
2.Reserves
3.Unremitted profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
9,507,730
7,742,345
75,785
1,689,600
(494,658)
92,638,755
1,660,227
3,152,988
65,484,768
22,340,772
101,651,827
10,583,830
7,358,861
14,166,060
9,194,307
43,635,814
1,955,724
1,779,065
41,856,749
1,474,167
17,017,853
8,652,136
6,780,848
92,715
1,778,573
(126,721)
81,255,385
1,654,759
5,561,411
58,147,204
15,892,011
89,780,800
7,706,034
2,735,953
10,155,661
33,122,217
31,204,853
3,158,076
2,959,824
28,245,029
1,266,456
6,549,450
9,139,755
6,812,671
125,573
2,201,511
(274,283)
88,488,440
1,164,263
4,342,038
68,304,814
14,677,325
97,353,912
7,001,789
1,396,604
11,410,316
50,236,317
23,731,204
4,309,629
4,486,991
19,244,213
865,640
7,199,033
10,919,505
6,812,671
149,286
3,957,548
(153,137)
86,136,429
2,028,623
11,231,101
61,678,515
11,198,190
96,902,797
6,990,879
1,149,455
1,339,057
60,399,022
24,278,087
5,506,335
5,457,684
18,820,403
634,699
7,569,282
9,020,401
6,812,671
154,932
2,052,798
16,512
76,134,897
2,185,724
141,666
64,293,565
9,513,942
85,171,810
6,770,561
6,035,738
14,913,193
31,339,172
24,441,680
6,207,490
6,185,998
18,255,682
366,664
7,490,800
9,943,656
4,144,702
5,798,954
4,058,001
1,740,953
3,546,047
5,168,151
5,127,991
118,849
800,362
9,983,377
4,720,788
5,262,589
3,285,903
1,976,686
2,449,934
4,124,032
3,987,382
302,588
88,973
9,373,975
4,241,090
5,132,885
1,942,347
3,190,538
2,053,698
4,047,233
3,879,891
1,197,003
422,938
10,279,671
4,580,040
5,699,631
1,171,851
4,527,780
2,049,204
4,053,148
4,002,884
2,523,836
1,756,037
8,262,997
3,030,151
5,232,846
822,094
4,410,752
2,455,997
4,546,244
4,479,324
2,320,505
1,423,241
(1,086,131)
255,409,196
17,837,265
287,394,471
1,562,704
307,209,267
1,320,908
273,951,876
860,554
166,965,936
58.32%
5.70%
8.42%
0.79%
3.49%
1.71%
41.68%
43.15
38.31%
1.45
52.71%
5.86%
1.03%
0.10%
2.73%
2.20%
47.29%
13.18
33.17%
1.63
54.76%
5.27%
4.63%
0.43%
2.11%
3.28%
45.24%
3.24
35.42%
1.89
55.45%
5.88%
16.08%
1.81%
2.11%
4.67%
44.55%
1.59
32.88%
1.95
63.33%
6.14%
15.78%
1.67%
2.88%
5.18%
36.67%
1.93
42.41%
1.82
17.65%
9.04%
41.18%
64.42%
91.13%
66.64%
63.57%
11.63%
36.89%
31.46%
64.77%
90.50%
53.67%
48.98%
8.63%
51.60%
19.77%
70.16%
90.89%
34.74%
32.67%
8.40%
62.33%
19.42%
63.65%
88.89%
39.36%
33.30%
15.04%
36.80%
21.43%
75.49%
89.39%
38.02%
37.93%
4.48%
4.08%
20.57%
228.10%
90.97%
10.12%
9.49%
36.50%
111.02%
93.72%
18.16%
18.91%
47.15%
43.29%
104.12%
22.68%
22.48%
50.43%
21.47%
99.12%
25.40%
25.31%
68.82%
13.29%
99.65%
9.35%
26.86
6.89
9.64%
33.22
6.72
9.39%
33.61
7.47
11.27%
25.09
5.65
10.59%
18.51
7.13
-1.36
200.48
3.69
0.75
0.60
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
66
DEUTSCHE BANK AG
Items
A.Total equity (A1 to A3)
1.Head office capital account
2.Reserves
3.Unremitted profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
4,634,445
3,600,702
0
1,033,743
(232)
17,095,525
1,683,524
532,521
10,317,214
4,562,266
21,729,738
4,754,734
1,628,093
5,309,670
999,390
6,374,949
312,566
40,343
6,334,606
130,225
2,573,020
5,169,257
3,877,033
0
1,292,224
(34)
10,013,789
217,050
1,063,547
6,005,209
2,727,983
15,183,012
4,764,709
128,632
5,350,170
490,909
3,838,528
381,517
381,517
3,457,011
120,382
871,199
5,274,418
3,667,876
0
1,606,542
(321)
12,160,786
2,640,728
443,891
6,065,947
3,010,220
17,434,883
4,722,669
37,134
6,223,146
2,046,309
3,665,213
3,245,948
419,265
3,245,948
110,230
1,049,447
6,047,337
3,724,146
0
2,323,191
(11,538)
16,205,772
238,907
1,523,062
11,118,869
3,324,934
22,241,571
4,590,065
38,505
7,640,386
5,587,411
3,387,183
376,923
400,165
2,987,018
199,014
1,199,172
5,971,021
4,115,584
0
1,855,437
(9,557)
22,987,100
297,362
317,883
18,354,233
4,017,622
28,948,564
5,630,489
2,058,913
7,414,392
7,747,304
4,369,198
357,570
389,684
3,979,514
351,955
1,765,997
1,041,031
400,017
641,014
48,069
592,945
1,053,202
815,012
813,878
831,135
534,135
1,111,138
242,280
868,858
354,287
514,571
1,599,341
871,160
863,450
1,242,752
805,218
1,065,750
324,744
741,006
25,263
715,743
1,221,476
653,051
653,431
1,284,168
834,293
1,679,978
556,558
1,123,420
21,094
1,144,514
725,355
766,074
759,389
1,103,795
708,236
1,969,771
868,297
1,101,474
(32,447)
1,133,921
588,282
1,171,490
1,170,880
550,713
350,827
(266,446)
98,796,853
(1,742,550)
41,259,232
2,084,285
66,714,952
3,503,275
101,411,632
5,812,077
78,834,402
61.57%
2.95%
11.53%
2.46%
4.85%
2.73%
38.43%
0.98
38.92%
0.77
78.20%
5.72%
15.58%
5.30%
10.53%
3.39%
21.80%
0.69
32.14%
0.54
69.53%
4.25%
15.82%
4.79%
7.01%
4.11%
30.47%
0.51
28.55%
0.53
66.87%
5.05%
11.71%
3.18%
3.26%
5.15%
33.13%
0.69
31.85%
1.05
55.92%
3.80%
5.88%
1.21%
2.03%
3.92%
44.08%
2.13
45.80%
1.99
29.37%
4.60%
29.15%
47.48%
78.67%
61.79%
58.76%
32.23%
3.23%
22.77%
39.55%
65.95%
63.92%
54.30%
27.30%
11.74%
18.62%
34.79%
69.75%
60.42%
56.30%
20.81%
25.12%
13.43%
49.99%
72.86%
30.46%
26.79%
26.56%
26.76%
13.75%
63.40%
79.41%
23.80%
23.40%
4.90%
0.63%
6.74%
119.15%
12.91%
9.94%
9.94%
7.38%
92.86%
100.00%
88.56%
11.44%
61.54%
6.03%
12.92%
11.13%
11.81%
6.23%
5.27%
106.17%
8.18%
8.92%
5.99%
-8.33%
108.98%
21.33%
21.32
2.23
34.05%
7.98
1.16
30.25%
12.65
1.15
27.19%
16.77
1.84
20.63%
13.20
3.07
-0.50
-2.16
2.50
4.95
16.57
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
67
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
4,962,015
4,339,547
0
622,468
(5,034)
43,916,081
587,298
4,770,659
37,005,085
1,553,039
48,873,062
7,577,335
4,266,775
7,354,749
1,941,950
25,591,220
223,085
288,253
25,302,967
509,574
1,919,712
5,511,880
4,619,535
0
892,345
(1,002)
46,223,063
989,256
3,073,493
40,796,993
1,363,321
51,733,941
8,411,801
4,035,306
8,698,829
5,431,713
23,701,592
500,638
453,161
23,248,431
410,901
1,496,960
6,206,372
5,707,268
0
499,104
(7,349)
50,739,967
1,341,130
1,255,575
46,460,640
1,682,622
56,938,990
9,954,810
297,338
16,076,728
6,512,700
22,727,260
762,869
484,827
22,242,433
266,120
1,588,861
7,501,898
6,515,987
0
985,911
3,865
51,849,969
1,023,903
2,686,405
46,171,420
1,968,241
59,355,732
10,925,914
341,149
3,868,938
22,119,633
21,215,325
1,023,475
421,799
20,793,526
186,288
1,120,284
7,644,275
7,037,870
0
606,405
(289)
42,684,107
670,778
694,363
38,956,795
2,362,171
50,328,093
11,394,218
711,950
4,966,709
13,433,740
18,454,437
1,441,219
868,260
17,586,177
132,396
2,102,903
4,071,742
2,443,593
1,628,149
265,346
1,362,803
849,974
1,952,124
1,949,088
260,653
161,565
4,703,682
2,732,216
1,971,466
471,333
1,500,133
1,021,563
2,200,197
2,200,186
321,499
261,885
5,005,567
(2,713,791)
2,291,776
363,563
1,928,213
1,005,725
2,176,393
2,171,268
757,545
491,592
5,849,015
2,932,772
2,916,243
102,962
2,813,281
1,140,661
2,443,031
2,442,861
1,510,911
971,262
4,555,975
2,326,385
2,229,590
525,527
1,704,063
917,525
3,109,212
3,109,165
(487,624)
(396,257)
6,500,868
29,264,954
3,889,177
34,619,778
(1,289,280)
58,032,008
16,303,670
53,617,196
(8,355,184)
39,915,060
39.99%
3.33%
3.26%
0.33%
1.74%
2.79%
60.01%
7.48
39.66%
2.29
41.91%
3.81%
4.75%
0.51%
1.97%
2.90%
58.09%
6.84
38.43%
2.15
45.78%
13.56%
7.92%
0.86%
1.77%
3.39%
-54.22%
2.87
36.21%
2.16
49.86%
4.91%
12.95%
1.64%
1.92%
4.74%
50.14%
1.62
34.95%
2.14
48.94%
4.43%
-5.18%
-0.79%
1.82%
3.39%
51.06%
-6.38
56.80%
3.39
24.23%
3.97%
51.77%
75.72%
89.86%
69.16%
61.26%
24.06%
10.50%
44.94%
78.86%
89.35%
58.10%
54.03%
18.01%
11.44%
39.06%
81.60%
89.11%
48.92%
47.63%
18.98%
37.27%
35.03%
77.79%
87.35%
45.95%
43.42%
24.05%
26.69%
34.94%
77.41%
84.81%
47.37%
46.54%
0.87%
1.13%
4.50%
92.05%
129.21%
2.11%
1.91%
9.08%
104.01%
90.52%
3.36%
2.13%
12.29%
74.99%
63.55%
4.82%
1.99%
13.64%
24.41%
41.21%
7.81%
4.70%
18.85%
60.53%
60.24%
10.15%
5.90
7.46
10.65%
6.28
7.40
10.90%
9.35
7.49
12.64%
7.15
6.15
15.19%
5.22
5.10
40.24
14.85
-2.62
16.79
21.09
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
68
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,712,141
3,008,999
0
(296,858)
0
729,806
4,036
186,406
521,574
17,790
3,441,947
3,088,841
38,910
0
0
315,802
83,218
38,713
277,089
15,071
22,036
2,847,576
3,203,140
0
(355,564)
0
1,097,875
7,577
382,008
690,196
18,094
3,945,451
3,328,022
52,781
150,000
0
425,108
36,416
37,885
387,223
10,461
16,964
3,000,780
3,393,743
0
(392,963)
0
1,200,251
5,493
321,910
847,792
25,056
4,201,031
3,363,076
62,870
110,000
0
493,328
48,503
15,716
477,612
22,983
164,490
3,132,302
3,594,610
0
(462,308)
0
1,270,263
11,523
510,729
721,474
26,537
4,402,565
3,679,994
61,674
30,000
0
587,062
49,740
15,716
571,346
30,670
28,881
3,103,582
3,882,512
0
(778,930)
0
1,040,788
5,266
440,000
570,705
24,817
4,144,370
3,985,841
39,379
0
0
305,050
224,468
224,468
80,582
31,027
7,541
40,426
50,080
(9,654)
21,729
12,075
9,549
62,888
57,280
(41,264)
(41,264)
56,707
75,569
(18,862)
828
(18,034)
17,597
58,269
55,148
(58,706)
(58,706)
65,106
78,041
(12,935)
22,169
9,234
12,582
59,215
59,134
(37,399)
(37,399)
75,896
90,575
(14,679)
0
(14,679)
14,611
69,277
69,172
(69,345)
(69,345)
48,954
98,030
(49,076)
208,752
(257,828)
19,679
78,473
78,471
(316,622)
(316,622)
21,302,169
729,519
59,369
450,421
17,017
1,013,597
130,395
1,402,122
4,992
77,571
-23.88%
-0.28%
-1.52%
-1.20%
0.28%
0.35%
123.88%
-1.39
125.84%
6.00
-33.26%
-0.48%
-2.06%
-1.49%
0.45%
-0.46%
133.26%
-0.94
78.42%
3.13
-19.87%
-0.31%
-1.25%
-0.89%
0.30%
0.22%
119.87%
-1.58
76.22%
4.70
-19.34%
-0.33%
-2.21%
-1.58%
0.33%
-0.33%
119.34%
-1.00
76.54%
4.73
-100.25%
-1.18%
-10.20%
-7.64%
0.47%
-6.22%
200.25%
-0.25
114.34%
3.99
90.87%
0.00%
8.05%
15.15%
21.20%
60.55%
44.61%
85.69%
0.00%
9.81%
17.49%
27.83%
61.59%
39.65%
81.55%
0.00%
11.37%
20.18%
28.57%
58.19%
42.18%
84.99%
0.00%
12.98%
16.39%
28.85%
81.37%
47.64%
97.13%
0.00%
1.94%
13.77%
25.11%
53.45%
30.18%
26.35%
12.26%
3.07%
56.13%
46.52%
8.57%
8.91%
1.28%
2.19%
104.03%
9.83%
3.19%
1.62%
141.06%
32.40%
8.47%
2.68%
1.59%
0.00%
31.60%
73.58%
73.58%
7.23%
93.00%
100.00%
78.80%
0.27
0.19
72.17%
0.16
0.24
71.43%
0.34
0.28
71.15%
0.45
0.23
74.89%
0.02
0.18
-516.24
-1.01
-0.46
-1.88
-0.02
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
69
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
3,008,554
3,192,892
0
(184,338)
1,758
2,942,052
22,397
0
1,524,071
1,395,584
5,952,364
3,279,813
64,398
782,528
1,484,124
26,243
0
0
26,243
294,316
20,942
3,142,265
3,506,910
0
(364,645)
6,436
18,898,915
738
12,221,381
4,167,644
2,509,152
22,047,616
4,063,541
1,336,371
1,554,395
13,596,093
56,596
0
0
56,596
316,663
1,123,957
56,241
46,347
9,894
0
9,894
594
194,826
194,826
(184,338)
(184,338)
771,801
682,804
88,997
17.59%
0.17%
-6.13%
-3.10%
0.01%
0.17%
82.41%
-1.06
342.79%
327.99
11.53%
0.40%
-5.74%
-0.82%
0.64%
0.40%
88.47%
-2.28
44.98%
2.90
56.18%
24.93%
0.44%
25.60%
49.43%
1.72%
1.72%
24.49%
61.67%
0.26%
18.90%
85.72%
1.36%
0.35%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
50.54%
0.36
0.51
14.25%
33.90
1.33
-14.75
-81.42
88,997
141,495
410,799
410,799
(180,307)
(180,307)
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
2,718,782
1,081,945
14,680,059
106,530,014
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
70
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
3,957,242
3,878,698
0
78,544
0
6,106,000
12,559
4,258,351
1,715,912
119,178
10,063,242
4,072,080
36,983
1,597,697
0
4,092,787
0
0
4,092,787
19,422
244,273
4,087,588
4,041,323
0
46,265
0
4,458,128
216,907
1,397,725
2,740,049
103,447
8,545,716
4,237,350
91,075
1,905,551
0
2,198,843
0
0
2,198,843
27,336
85,561
4,700,427
4,652,493
0
47,934
0
4,343,431
9,419
1,868,489
2,349,722
115,801
9,043,858
4,840,033
88,400
1,013,607
0
2,980,932
113,339
0
2,980,932
30,055
90,831
5,155,321
5,122,691
0
32,630
0
3,240,864
86,567
1,075,726
1,991,569
87,002
8,396,185
5,283,777
123,553
654,928
0
2,214,722
0
0
2,214,722
28,937
90,268
5,064,270
4,986,139
0
78,131
0
3,207,778
3,626
708,495
2,402,290
93,367
8,272,048
5,194,721
108,570
1,253,832
0
1,619,237
0
0
1,619,237
29,598
66,090
538,145
391,186
146,959
0
146,959
80,485
103,346
97,011
124,098
78,396
516,130
385,251
130,879
0
130,879
180,185
114,573
112,088
65,612
45,928
509,987
406,928
103,059
0
103,059
184,717
114,543
113,080
70,174
47,600
569,784
468,924
100,860
0
100,860
103,131
141,791
140,422
62,200
33,790
363,279
295,278
68,001
0
68,001
156,729
154,193
152,604
70,537
45,501
202,342
4,958,383
151,296
3,781,342
46,074
2,780,898
65,752
3,244,830
42,734
1,905,826
27.31%
1.46%
1.98%
0.78%
0.80%
1.46%
72.69%
0.78
16.71%
1.21
25.36%
1.53%
1.12%
0.54%
2.11%
1.53%
74.64%
1.71
16.45%
0.62
20.21%
1.14%
1.01%
0.53%
2.04%
1.14%
79.79%
1.61
16.49%
0.61
17.70%
1.20%
0.66%
0.40%
1.23%
1.20%
82.30%
2.26
21.07%
1.36
18.72%
0.82%
0.90%
0.55%
1.89%
0.82%
81.28%
2.16
29.65%
0.97
40.83%
0.00%
40.67%
17.05%
60.68%
238.52%
68.51%
50.65%
0.00%
25.73%
32.06%
52.17%
80.25%
53.14%
54.49%
0.00%
32.96%
25.98%
48.03%
126.86%
70.67%
64.40%
0.00%
26.38%
23.72%
38.60%
111.20%
72.20%
64.11%
0.00%
19.57%
29.04%
38.78%
67.40%
52.05%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
3.80%
0.00%
2.41%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
39.32%
1.25
0.43
47.83%
0.93
0.67
51.97%
0.59
0.50
61.40%
0.63
0.39
61.22%
0.38
0.47
2.58
3.29
0.97
1.95
0.94
E.Other items
1.Cash generated from operating activities
2.Commitments and contingencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposit (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
I.Capital/leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
71
2012
ANALYSIS OF LIABILITIES
Billion Rs.
140
120
100
80
60
40
20
0
-1%
-7%
-14%
Total SHE
Total
Liabilities
Total Assets
CY 11
58.9
70.9
130.5
CY 12
58.4
61.3
121.6
Growth
-1%
-14%
-7%
0%
-2%
-4%
-6%
-8%
-10%
-12%
-14%
-16%
Growth
Looking at the liabilities side, borrowings from financial institutions decreased from Rs 54.6 billion in
CY11 to Rs. 43.7 billion in CY12. The analysis revealed that decrease in liabilities has mainly been
Share of Borrowings in Total Liabilities
60.0
50.0
40.0
30.0
20.0
10.0
0.0
9%
0%
-20%
Borrowings
Deposits
Others
CY 11
54.6
12.9
3.4
CY 12
43.7
14.2
3.5
Growth
-20%
9%
0%
15%
10%
5%
0%
-5%
-10%
-15%
-20%
-25%
Growth
Billion Rs.
100%
5%
18%
6%
23%
50%
77%
71%
0%
CY 11
Borrowings
CY 12
Deposits
Others
due to borrowings from financial institutions. The other component was the deposits which
contributed 23.1 percent of total liabilities during CY12. Total deposits of DFIs stood at Rs. 14.2
billion witnessing an increase of Rs. 1.2 billion in CY12 over CY11.
72
2012
ANALYSIS OF ASSETS
In CY12, total assets stood at Rs
decreased
by
6.9
institutions
decreased
90
80
70
60
50
40
30
20
10
0
10%
7%
2% 0%
-8%
-10%
-20%
-30%
-40%
-50%
-41%
Cash &
Cash
Equivalent
Lending
Investmen
t
Advances
CY 11
3.4
2.9
76.7
45.9
CY 12
3.6
1.7
70.4
46.9
Growth
7%
-41%
-8%
2%
Growth
billion
Billion Rs.
121.6
from Rs 2.9 billion in CY11 to Rs 1.7 billion in CY12 recording a decrease of around 41.4 percent
over CY11.
On the other hand, advances of DFIs
50.0
40.0
Billion Rs.
27%
26%
30.0
20.0
30%
25%
20%
15%
10%
5%
0%
-3%
-5%
Adv. Net
10.0
0.0
Adv. Gross
NPL
Provision
NPLs
CY 11
45.9
8.3
7.6
38.3
CY 12
46.9
10.5
9.6
37.3
Growth
2%
27%
26%
-3%
to
gross
advances
ratio
2%
Growth
PROFITABILITY OF DFI S
In terms of profitability, CY12 witnessed decreases both in profits before and after taxation. Profit
before taxation decreased from Rs. 3.0 billion in CY11 to Rs. 2.2 billion in CY12 showing a decrease
of 25.8 percent.
73
3.0
43.8%
3.0
41.0%
40.0%
CY 11
30.0%
CY 12
Billions Rs.
50.0%
2012
20.0%
2.5
2.2
2.0
1.5
1.0
1.0
CY 11
0.6
CY 12
0.5
10.0%
1.6% 1.1%
0.0
0.7% 0.5%
Profit Before
Taxation
0.0%
Spread Ratio
ROE
Profit After
Taxation
ROA
Return on assets (ROA) declined from 0.7 percent in CY11 to 0.5 percent in CY12, similarly, return
on equity (ROE) decreased from 1.6 percent in CY11 to 1.1 percent in CY12. Spread ratio of DFIs
decreased by 6.2 percent in CY12 over CY11. Breakup value of DFIs decreased from Rs 14.96 per
share in CY11 to Rs 14.82 per share in CY12.
74
DFIs - Overall
Items
A.Total equity (A1 to A3)
1.Share capital
2.Reserves
3.Un appropriated profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
46,902,253
39,748,980
11,124,218
(3,970,945)
(656,553)
38,833,942
0
30,937,172
5,880,621
2,016,149
85,079,642
650,959
10,252,671
8,056,730
36,071,855
27,407,033
4,816,698
3,698,407
23,708,626
2,690,082
3,648,719
48,920,410
40,748,980
6,764,011
1,407,419
5,409,974
59,424,672
0
38,774,252
18,073,599
2,576,821
113,755,056
1,665,533
6,545,275
10,576,282
58,551,142
35,183,101
6,695,174
5,753,542
29,429,559
2,790,590
4,196,675
55,379,067
42,748,980
6,764,483
5,865,604
3,644,111
60,024,391
0
39,953,645
17,059,825
3,010,921
119,047,569
1,680,678
2,888,128
7,718,006
60,243,944
44,215,053
6,903,217
6,653,026
37,562,027
3,126,353
5,828,433
58,948,556
45,408,180
6,703,489
6,836,887
652,903
70,945,188
0
54,574,307
12,932,378
3,438,503
130,546,647
2,283,859
1,075,003
2,904,651
76,683,192
45,907,661
8,269,274
7,596,199
38,311,462
2,999,119
6,289,361
58,402,277
45,408,180
5,753,413
7,240,684
1,808,410
61,348,191
0
43,741,281
14,154,064
3,452,846
121,558,878
1,854,180
1,747,696
1,702,073
70,420,052
46,919,302
10,521,098
9,582,748
37,336,554
3,316,718
5,181,605
8,483,284
4,855,654
3,627,630
6,171,391
(1,804,158)
7,621,120
3,308,278
1,196,516
1,694,081
1,195,447
10,429,986
5,768,136
4,661,850
2,660,700
1,489,660
1,458,885
1,417,421
1,363,810
1,531,026
2,147,069
11,726,433
6,694,582
5,031,851
987,572
4,143,390
2,086,005
1,976,521
1,916,080
4,230,979
2,718,940
12,716,418
7,152,710
5,563,708
977,362
3,791,544
2,450,918
3,250,598
2,039,623
2,991,863
972,305
12,622,294
7,440,993
5,181,301
3,914,429
1,266,872
3,814,916
2,668,883
2,112,699
2,221,092
641,770
3,375,138
3,475,138
3,675,138
3,941,058
3,941,058
N/A
N/A
5,682,965
13,761,913
N/A
N/A
9,897,449
15,386,918
N/A
N/A
(1,328,783)
18,321,532
N/A
N/A
4,887,501
34,232,419
N/A
N/A
3,610,361
14,613,432
42.76%
4.26%
2.55%
1.41%
8.96%
-2.12%
57.24%
0.71
0.21
0.16
0.35
44.70%
4.10%
4.39%
1.89%
1.28%
1.31%
55.30%
0.89
0.12
0.93
0.62
42.91%
4.23%
4.91%
2.28%
1.75%
3.48%
57.09%
0.45
0.14
0.92
0.74
43.75%
4.26%
1.65%
0.74%
1.88%
2.90%
56.25%
0.68
0.21
0.83
0.25
41.05%
4.26%
1.10%
0.53%
3.14%
1.04%
58.95%
0.95
0.16
0.55
0.16
12.82%
42.40%
27.87%
6.91%
45.64%
466.06%
74.44%
7.22%
51.47%
25.87%
15.89%
52.24%
194.67%
61.89%
3.84%
50.60%
31.55%
14.33%
50.42%
259.18%
77.55%
2.57%
58.74%
29.35%
9.91%
54.34%
354.98%
68.00%
2.96%
57.93%
30.71%
11.64%
50.47%
331.49%
81.04%
17.57%
13.49%
10.27%
166.87%
76.78%
19.03%
16.35%
13.69%
46.24%
85.94%
15.61%
15.05%
12.47%
14.84%
96.38%
18.01%
16.55%
14.03%
12.87%
91.86%
22.42%
20.42%
18.01%
40.85%
91.08%
55.13%
0.29
13.90
0.13
43.01%
0.31
14.08
0.37
46.52%
0.33
15.07
0.31
45.16%
0.58
14.96
0.22
48.04%
0.25
14.82
0.24
4.75
4.61
-0.49
5.03
5.63
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
75
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,446,253
5,000,000
89,250
357,003
(123,267)
492,480
0
459,657
0
32,823
5,815,466
506,887
1,816,376
611,000
2,440,498
402,318
75,000
37,500
364,818
21,478
54,409
5,817,670
5,000,000
163,533
654,137
475,848
1,991,936
0
1,857,327
0
134,609
8,285,454
2,633
1,309,451
446,250
5,326,675
1,174,878
443,011
229,491
945,387
26,071
228,987
7,396,027
6,000,000
279,204
1,116,823
38,418
3,036,164
0
2,863,481
0
172,683
10,470,609
10,552
352,808
600,000
7,160,982
2,178,571
75,141
75,141
2,103,430
44,762
198,075
7,638,576
6,000,000
327,714
1,310,862
92,121
4,114,422
0
3,695,484
260,000
158,938
11,845,119
9,143
20,675
0
8,974,337
2,592,810
393,141
117,654
2,475,156
48,060
317,748
8,028,600
6,000,000
415,719
1,612,881
170,767
7,537,154
0
6,721,178
545,080
270,896
15,736,521
43,999
106,586
0
10,841,572
4,530,491
741,447
205,154
4,325,337
56,047
362,980
527,054
31,898
495,156
(37,500)
457,656
94,762
82,513
73,115
469,905
318,146
809,863
124,744
685,119
(255,745)
429,374
163,699
110,083
97,529
482,990
371,417
1,030,191
193,494
836,697
79,955
916,652
171,171
209,239
191,647
878,584
578,357
1,323,067
402,712
920,355
(324,136)
596,219
58,340
167,757
150,135
486,802
242,549
1,487,341
678,102
809,239
106,953
702,286
172,091
239,010
224,405
635,367
440,024
500,000
0.00%
0.00%
378,383
486,955
500,000
0.00%
0.00%
1,287,294
2,284,428
600,000
0.00%
0.00%
448,811
3,095,251
600,000
0.00%
0.00%
1,708,563
3,679,976
600,000
0.00%
0.00%
1,966,241
8,074,015
93.95%
8.51%
5.84%
5.47%
1.63%
7.87%
6.05%
0.16
0.13
0.77
0.64
84.60%
8.27%
6.38%
4.48%
1.98%
5.18%
15.40%
0.20
0.11
0.60
0.74
81.22%
7.99%
7.82%
5.52%
1.63%
8.75%
18.78%
0.22
0.17
1.12
0.96
69.56%
7.77%
3.18%
2.05%
0.49%
5.03%
30.44%
0.31
0.12
2.57
0.40
54.41%
5.14%
5.48%
2.80%
1.09%
4.46%
45.59%
0.35
0.14
1.30
0.73
39.95%
41.97%
6.27%
0.00%
8.47%
15.84%
64.29%
11.41%
0.00%
24.04%
3.47%
68.39%
20.09%
0.00%
29.00%
0.96%
68.89%
27.49%
3.46%
47.90%
831.16%
62.35%
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
87.53%
63.26%
76.08%
0.25%
75.76%
20.90%
2.19%
34.74%
997.23%
65.55%
18.64%
9.32%
1.38%
-100.00%
50.00%
37.71%
19.53%
7.61%
-111.44%
51.80%
3.45%
3.45%
1.02%
106.41%
100.00%
15.16%
4.54%
5.15%
-275.50%
29.93%
16.37%
4.53%
9.24%
52.13%
27.67%
93.65%
0.09
10.89
0.00
70.22%
0.39
11.64
0.00
70.64%
0.42
12.33
0.00
64.49%
0.48
12.73
0.03
51.02%
1.01
13.38
0.07
1.19
3.47
0.78
7.04
4.47
76
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,363,009
5,000,000
72,602
290,407
(81,849)
247,733
0
186,154
0
61,579
5,528,893
4,267
14,870
1,519,299
2,687,585
1,062,744
0
0
1,062,744
44,334
195,794
5,810,462
5,000,000
162,093
648,369
495,517
5,825,000
0
5,296,808
395,000
133,192
12,130,979
23,869
191,915
1,507,910
8,415,996
1,757,624
0
25,131
1,732,493
37,614
221,182
7,391,552
6,000,000
278,311
1,113,241
(48,993)
7,026,052
0
5,943,385
844,000
238,667
14,368,611
30,803
129,969
1,222,727
9,868,363
2,475,172
6,736
7,529
2,467,643
21,013
628,093
7,996,016
6,000,000
399,204
1,596,812
(68,113)
24,617,113
0
23,359,531
979,018
278,564
32,545,016
174,790
562,085
627,841
25,742,364
4,667,373
2,992
20,712
4,646,661
34,067
757,208
8,578,415
6,000,000
555,884
2,022,531
1,118
5,466,904
0
2,417,139
2,824,924
224,841
14,046,437
54,763
317,222
0
7,100,816
5,782,035
2,638
2,638
5,779,397
60,329
733,910
672,254
131,801
540,453
108,921
431,532
85,608
143,675
118,675
373,465
222,266
971,221
207,450
763,771
192,918
570,853
254,064
157,743
132,343
667,174
447,453
1,698,132
777,987
920,145
81,344
838,801
211,963
169,106
165,145
881,658
581,090
2,397,223
1,469,277
927,946
86,874
841,072
283,965
204,908
204,669
920,129
604,464
2,930,250
2,044,815
885,435
(4,019)
889,454
429,092
216,918
212,181
1,080,944
782,399
500,000
0.00%
0.00%
(1,218,859)
448,894
500,000
0.00%
0.00%
5,487,232
1,141,106
600,000
0.00%
0.00%
1,076,382
6,331,452
600,000
0.00%
0.00%
9,066,170
21,546,987
600,000
0.00%
0.00%
(11,776,654)
868,306
80.39%
9.78%
4.14%
4.02%
1.55%
7.81%
19.61%
0.32
0.19
1.39
0.44
78.64%
6.30%
7.70%
3.69%
2.09%
4.71%
21.36%
0.20
0.13
0.52
0.89
54.19%
6.40%
7.86%
4.04%
1.48%
5.84%
45.81%
0.19
0.09
0.78
0.97
38.71%
2.85%
7.56%
1.86%
0.87%
2.58%
61.29%
0.22
0.08
0.72
1.01
30.22%
6.30%
9.12%
5.57%
3.05%
6.33%
69.78%
0.20
0.06
0.49
1.30
0.35%
48.61%
19.22%
0.00%
4.48%
1.78%
69.38%
14.28%
3.26%
48.02%
444.97%
30.88%
1.12%
68.68%
17.17%
5.87%
48.90%
293.27%
36.47%
2.26%
79.10%
14.28%
3.01%
75.64%
476.74%
19.18%
2.65%
50.55%
41.14%
20.11%
38.92%
204.68%
110.30%
0.00%
1.43%
0.00%
767.65%
0.27%
0.30%
0.09%
1,080.41%
111.77%
0.06%
0.44%
0.04%
419.44%
692.25%
0.05%
0.05%
0.03%
-152.35%
100.00%
97.00%
0.08
10.73
0.00
47.90%
0.20
11.62
0.07
51.44%
0.86
12.32
0.11
24.57%
2.69
13.33
0.12
61.07%
0.10
14.30
0.33
-5.48
12.26
1.85
15.00
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
570.90%
77
-15.05
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,811,647
6,457,200
70,889
283,558
(625)
757,178
0
726,754
0
30,424
7,568,200
6,670
3,772,069
255,482
1,430,241
1,938,595
0
0
1,938,595
28,115
137,028
7,325,189
6,457,200
173,598
694,391
2,526,213
1,089,244
0
975,685
0
113,559
10,940,646
1,363,660
9,148
1,245,029
3,158,326
4,927,264
0
247,273
4,679,991
187,828
296,664
7,885,555
6,457,200
285,671
1,142,684
2,591,648
1,156,757
0
1,132,259
0
24,498
11,633,960
1,399,836
8,736
1,264,140
3,099,787
5,557,525
0
248,632
5,308,893
180,566
372,002
11,058,455
9,116,400
388,411
1,553,644
766
119,094
0
106,874
0
12,220
11,178,315
1,491,717
23,227
583,954
4,077,544
4,901,692
377,756
464,032
4,437,660
176,177
388,036
11,058,455
9,116,400
388,411
1,553,644
766
119,094
0
106,874
0
12,220
11,178,315
1,491,717
23,227
583,954
4,077,544
4,901,692
377,756
464,032
4,437,660
176,177
388,036
530,032
6,215
523,817
50,000
473,817
17,395
165,585
71,067
325,627
211,658
1,050,697
36,435
1,014,262
197,273
816,989
138,830
165,756
165,706
790,065
513,542
1,252,143
283,899
968,244
41,361
866,084
176,223
180,206
180,205
862,102
560,366
1,312,686
47,666
1,265,020
175,398
943,092
133,437
208,924
208,403
867,605
513,700
1,312,686
47,666
1,265,020
175,398
1,089,622
133,437
208,924
208,403
867,605
513,700
645,720
0.00%
0.00%
(15,893)
1,078,614
645,720
0.00%
0.00%
(3,029,800)
1,753,996
645,720
0.00%
0.00%
(81,735)
865,132
911,640
0.00%
0.00%
1,169,605
231,127
911,640
0.00%
0.00%
1,169,605
231,127
98.83%
6.92%
3.11%
2.80%
0.23%
6.26%
1.17%
0.22
0.30
4.09
0.33
96.53%
9.27%
7.01%
4.69%
1.27%
7.47%
3.47%
0.21
0.14
1.19
0.80
77.33%
8.32%
7.11%
4.82%
1.51%
7.44%
22.67%
0.21
0.13
1.02
0.87
96.37%
11.32%
4.65%
4.60%
1.19%
8.44%
3.63%
0.24
0.14
1.56
0.56
96.37%
11.32%
4.65%
4.60%
1.19%
9.75%
3.63%
0.24
0.14
1.56
0.56
49.93%
18.90%
25.62%
0.00%
10.00%
12.55%
28.87%
42.78%
0.00%
9.96%
12.11%
26.64%
45.63%
0.00%
9.94%
13.55%
36.48%
39.70%
0.00%
1.07%
13.55%
36.48%
39.70%
0.00%
1.07%
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
266.75%
505.01%
490.84%
4,586.42%
4,586.42%
0.00%
0.00%
0.00%
0.00%
5.02%
0.00%
79.78%
0.00%
4.47%
0.00%
16.64%
7.71%
9.47%
3.42%
37.80%
122.84%
7.71%
9.47%
3.42%
37.80%
122.84%
90.00%
0.16
10.55
0.00
66.95%
0.24
11.34
0.00
67.78%
0.11
12.21
0.00
98.93%
0.02
12.13
0.00
98.93%
0.02
12.13
0.00
-0.08
-5.90
-0.15
2.28
2.28
78
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
8,368,527
6,000,000
6,447,712
(4,079,185)
(58,946)
7,158,931
0
6,370,782
37,500
750,649
15,468,512
17,179
2,759,358
500,000
8,436,921
4,269,116
1,278,058
910,181
3,358,935
107,138
288,981
8,884,894
6,000,000
2,884,894
0
175,691
15,145,252
0
10,377,872
4,075,951
691,429
24,205,837
92,512
1,797,223
800,000
17,091,939
5,003,098
1,693,697
1,395,656
3,607,442
111,266
705,455
11,502,905
6,000,000
2,992,287
2,510,618
239,868
13,280,158
0
9,807,369
3,138,512
334,277
25,022,931
51,424
1,409,688
250,000
17,521,580
6,389,805
1,648,540
1,420,615
4,969,190
260,736
560,313
12,503,432
6,000,000
3,114,865
3,388,567
84,687
11,342,439
0
9,161,654
1,726,601
454,184
23,930,558
442,766
24,653
0
15,966,871
8,131,825
1,723,232
1,577,790
6,554,035
282,125
660,108
13,784,349
6,000,000
3,285,976
4,498,373
564,597
16,456,102
0
14,839,975
1,015,429
600,698
30,805,048
32,650
712,976
0
24,203,303
6,879,143
1,771,283
1,636,742
5,242,401
252,233
361,485
1,158,545
551,191
607,354
4,647,386
(4,040,032)
253,814
286,252
286,202
(4,072,470)
(4,102,069)
1,797,555
1,189,263
608,292
716,319
(108,027)
1,015,405
314,729
314,526
592,649
516,367
2,111,019
1,452,508
658,511
(37,100)
695,611
1,030,674
412,408
411,259
1,321,877
968,732
2,204,036
1,445,302
758,734
208,083
550,651
1,638,323
462,723
462,723
1,726,251
1,360,527
2,364,815
1,605,660
759,155
98,378
660,777
1,882,698
485,692
439,516
2,057,783
1,640,917
240
0.08%
0.00%
2,454,422
1,337,586
240
0.00%
0.00%
7,482,073
534,532
240
0.00%
0.00%
(2,336,821)
193,141
240
0.00%
0.00%
(3,341,852)
1,150,452
240
0.00%
0.00%
6,809,220
470,926
52.42%
3.93%
-49.02%
-26.52%
1.64%
-26.12%
47.58%
-0.07
0.20
1.13
-17,091.95
33.84%
2.51%
5.81%
2.13%
4.19%
-0.45%
66.16%
0.53
0.11
0.31
2,151.53
31.19%
2.63%
8.42%
3.87%
4.12%
2.78%
68.81%
0.31
0.13
0.40
4,036.38
34.42%
3.17%
10.88%
5.69%
6.85%
2.30%
65.58%
0.27
0.12
0.28
5,668.86
32.10%
2.46%
11.90%
5.33%
6.11%
2.15%
67.90%
0.21
0.11
0.23
6,837.15
17.95%
54.54%
21.71%
0.24%
46.28%
11,384.31%
66.62%
7.81%
70.61%
14.90%
16.84%
62.57%
122.75%
34.61%
5.84%
70.02%
19.86%
12.54%
53.07%
203.59%
49.36%
1.95%
66.72%
27.39%
7.22%
47.40%
470.97%
74.68%
2.42%
78.57%
17.02%
3.30%
53.42%
677.46%
43.39%
29.94%
21.32%
15.27%
510.60%
71.22%
33.85%
27.90%
19.06%
51.32%
82.40%
25.80%
22.23%
14.33%
-2.61%
86.17%
21.19%
19.40%
13.78%
13.19%
91.56%
25.75%
23.79%
12.85%
6.01%
92.40%
54.10%
0.16
34,868.86
0.00
36.71%
0.06
37,020.39
0.46
45.97%
0.02
47,928.77
0.27
52.25%
0.09
52,097.63
0.14
44.75%
0.03
57,434.79
0.07
-0.60
14.49
-2.41
-2.46
4.15
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
79
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
7,253,062
6,141,780
1,020,589
90,693
(1,600,269)
6,519,558
0
4,858,821
1,400,000
260,737
12,172,351
42,624
78,821
698,769
5,477,558
5,483,847
529,012
545,064
4,938,783
52,281
883,515
6,524,955
6,141,780
444,589
(61,414)
(207,905)
10,099,231
0
3,210,806
6,404,711
483,714
16,416,281
64,312
108,980
1,646,286
6,379,873
8,285,178
1,012,965
944,570
7,340,608
82,960
793,262
6,650,877
6,141,780
474,801
34,296
(191,250)
9,915,845
0
4,983,790
4,657,690
274,365
16,375,472
76,513
36,324
1,482,414
6,286,676
8,430,312
1,122,912
1,019,531
7,410,781
96,089
986,675
6,586,986
6,141,780
474,801
(29,595)
(229,759)
8,526,649
0
4,537,471
3,652,844
336,334
14,883,876
42,643
41,177
200,000
6,187,323
8,003,538
1,566,090
964,425
7,039,113
68,568
1,305,052
3,158,142
6,141,780
0
(2,983,638)
(8,351)
10,315,816
0
5,880,572
4,088,500
346,744
13,465,607
63,387
38,636
0
7,706,331
7,558,084
3,307,968
2,717,073
4,841,011
97,946
718,296
1,610,370
1,105,089
505,281
505,969
(688)
281,258
218,224
207,605
62,346
112,380
1,611,086
1,145,347
465,739
508,620
(42,881)
(484,130)
226,215
222,880
(753,226)
(728,107)
1,675,251
1,125,259
549,992
341,721
208,271
214,661
287,562
281,965
105,473
131,626
1,728,763
1,100,691
628,072
185,091
442,981
46,188
373,618
341,014
115,551
(63,891)
1,229,133
983,847
245,286
2,983,602
(2,738,316)
119,940
666,467
281,437
(3,317,699)
(3,428,844)
614,178
0.00%
0.00%
(1,787,539)
2,592,189
614,178
0.00%
0.00%
(572,247)
2,267,235
614,178
0.00%
0.00%
(88,345)
1,620,644
614,178
0.00%
0.00%
726,795
1,446,275
614,178
0.00%
0.00%
2,480,282
1,995,651
31.38%
4.15%
1.55%
0.92%
2.31%
-0.01%
68.62%
3.33
0.12
0.74
0.18
28.91%
2.84%
-11.16%
-4.44%
-2.95%
-0.26%
71.09%
-0.30
0.20
-0.46
-1.19
32.83%
3.36%
1.98%
0.80%
1.31%
1.27%
67.17%
2.67
0.15
1.31
0.21
36.33%
4.22%
-0.97%
-0.43%
0.31%
2.98%
63.67%
2.95
0.21
7.38
-0.10
19.96%
1.82%
-108.57%
-25.46%
0.89%
-20.34%
80.04%
-0.08
0.49
2.35
-5.58
1.00%
45.00%
40.57%
11.50%
53.56%
391.70%
87.62%
1.06%
38.86%
44.72%
39.01%
61.52%
129.36%
86.16%
0.69%
38.39%
45.26%
28.44%
60.55%
181.00%
87.44%
0.56%
41.57%
47.29%
24.54%
57.29%
219.10%
97.72%
0.76%
57.23%
35.95%
30.36%
76.61%
184.86%
75.82%
9.65%
9.94%
7.29%
92.83%
103.03%
12.23%
11.40%
15.52%
53.85%
93.25%
13.32%
12.09%
16.88%
33.52%
90.79%
19.57%
12.05%
23.78%
19.19%
61.58%
43.77%
35.95%
104.74%
109.81%
82.14%
59.59%
0.36
11.81
0.19
39.75%
0.35
10.62
0.98
40.61%
0.24
10.83
0.70
44.26%
0.22
10.72
0.55
23.45%
0.63
5.14
1.29
0.79
-0.67
-11.38
-0.72
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
1.Cash generated from operating activities to profit after tax (E4/D10) (times)
80
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
7,172,413
6,150,000
1,017,251
5,162
(899,590)
11,119,791
0
7,491,561
3,023,121
605,109
17,392,614
48,548
508,560
3,137,180
6,996,478
6,074,145
333,971
333,971
5,740,174
67,109
894,565
6,564,920
6,150,000
414,920
0
(142,019)
14,141,838
0
8,895,096
4,562,089
684,653
20,564,739
73,968
590,362
2,846,936
10,775,046
6,440,129
926,015
926,015
5,514,114
62,538
701,775
6,793,844
6,150,000
492,568
151,276
(31,697)
12,430,977
0
6,145,349
5,561,165
724,463
19,193,124
70,420
664,169
2,467,467
9,129,453
7,052,670
1,221,006
1,107,629
5,945,041
74,901
841,673
6,931,824
6,150,000
485,312
296,512
(56,048)
11,963,268
0
6,648,716
4,695,693
618,859
18,839,044
66,679
209,531
1,321,745
10,632,874
6,739,785
1,199,078
974,224
5,765,561
68,276
774,378
7,173,742
6,150,000
570,983
452,759
38,511
11,406,124
0
6,546,367
4,351,000
508,757
18,618,377
101,974
159,980
833,119
10,296,148
7,280,873
1,182,906
933,814
6,347,059
61,298
818,799
2,038,155
1,318,404
719,751
253,496
466,255
(62,050)
277,645
255,846
126,560
6,453
2,319,194
1,636,815
682,379
729,674
(47,295)
(359,896)
246,628
234,559
(653,819)
607,493
2,231,471
1,462,002
769,469
267,739
501,730
297,510
343,788
326,855
455,452
332,799
2,270,702
1,513,542
757,160
(73,119)
830,279
153,800
360,868
335,648
623,211
357,521
2,051,174
1,304,300
746,874
163,795
583,079
431,879
386,488
371,542
628,470
446,586
615,000
0.00%
0.00%
363,978
1,440,147
615,000
0.00%
0.00%
52,313
1,134,953
615,000
0.00%
0.00%
1,800,538
625,687
615,000
0.00%
0.00%
(2,462,635)
2,833,372
615,000
0.00%
0.00%
2,501,049
1,550,074
35.31%
4.14%
0.09%
0.04%
-0.36%
2.68%
64.69%
2.02
0.14
-4.12
0.01
29.42%
3.32%
9.25%
2.95%
-1.75%
-0.23%
70.58%
-0.36
0.13
-0.65
0.99
34.48%
4.01%
4.90%
1.73%
1.55%
2.61%
65.52%
0.72
0.14
1.10
0.54
33.34%
4.02%
5.16%
1.90%
0.82%
4.41%
66.66%
0.54
0.15
2.18
0.58
36.41%
4.01%
6.23%
2.40%
2.32%
3.13%
63.59%
0.59
0.16
0.86
0.73
3.20%
40.23%
33.00%
17.38%
63.93%
200.92%
57.77%
3.23%
52.40%
26.81%
22.18%
68.77%
141.17%
47.86%
3.83%
47.57%
30.97%
28.97%
64.77%
126.82%
60.25%
1.47%
56.44%
30.60%
24.93%
63.50%
143.53%
59.41%
1.41%
55.30%
34.09%
23.37%
61.26%
167.34%
66.81%
5.50%
5.50%
4.66%
75.90%
100.00%
14.38%
14.38%
14.11%
78.80%
100.00%
17.31%
15.71%
17.97%
24.17%
90.71%
17.79%
14.45%
17.30%
-7.51%
81.25%
16.25%
12.83%
16.49%
17.54%
78.94%
41.24%
0.20
11.66
0.42
31.92%
0.17
10.67
0.69
35.40%
0.09
11.05
0.82
36.79%
0.41
11.27
0.68
38.53%
0.22
11.66
0.61
56.40
0.09
5.41
-6.89
5.60
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
81
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,487,342
5,000,000
2,405,925
(918,583)
2,107,993
12,538,271
0
10,843,443
1,420,000
274,828
21,133,606
24,784
1,302,617
1,335,000
8,602,574
8,176,268
2,600,657
1,871,691
6,304,577
2,369,627
1,194,427
7,992,320
6,000,000
2,520,384
(528,064)
2,086,629
11,132,171
0
8,160,658
2,635,848
335,665
21,211,120
44,579
2,538,196
2,083,871
7,403,287
7,594,930
2,619,486
1,985,406
5,609,524
2,282,313
1,249,350
7,758,307
6,000,000
1,961,641
(203,334)
1,046,117
13,178,438
0
9,078,012
2,858,458
1,241,968
21,982,862
41,130
286,434
431,258
7,177,103
12,130,998
2,828,882
2,773,949
9,357,049
2,448,286
2,241,602
6,233,267
6,000,000
1,513,182
(1,279,915)
829,249
10,262,203
0
7,064,577
1,618,222
1,579,404
17,324,719
56,121
193,655
171,111
5,101,879
10,870,638
3,006,985
3,477,362
7,393,276
2,321,846
2,086,831
6,620,574
6,000,000
536,440
84,134
1,041,002
10,046,997
0
7,229,176
1,329,131
1,488,690
17,708,573
65,690
389,069
285,000
6,194,338
9,986,984
3,137,100
3,623,295
6,363,689
2,612,688
1,798,099
1,946,874
1,711,056
235,818
643,119
407,302
6,950,333
2,134,384
184,006
4,408,648
4,426,613
1,870,370
1,428,082
442,288
571,641
(129,353)
730,913
196,267
196,267
405,193
418,904
1,728,226
1,399,433
328,793
212,552
116,241
(16,197)
374,212
359,004
(274,167)
(434,030)
1,479,941
1,173,520
306,421
719,171
(412,750)
136,865
1,471,800
337,031
(1,747,686)
(2,042,565)
1,246,895
776,603
470,292
390,322
79,970
645,779
465,384
375,215
268,622
246,988
500,000
0.00%
0.00%
5,508,473
6,377,528
600,000
0.00%
0.00%
(809,416)
6,270,668
600,000
0.00%
0.00%
(2,147,613)
5,590,225
600,000
0.00%
0.00%
(1,979,145)
3,344,230
600,000
0.00%
0.00%
460,618
1,423,333
12.11%
1.12%
68.23%
20.95%
32.89%
1.93%
87.89%
0.04
0.24
0.03
8.85
23.65%
2.09%
5.24%
1.97%
3.45%
-0.61%
76.35%
0.48
0.08
0.27
0.70
19.02%
1.50%
-5.59%
-1.97%
-0.07%
0.53%
80.98%
-1.31
0.22
-22.16
-0.72
20.70%
1.77%
-32.77%
-11.79%
0.79%
-2.38%
79.30%
-0.19
0.91
2.46
-3.40
37.72%
2.66%
3.73%
1.39%
3.65%
0.45%
62.28%
1.40
0.25
0.58
0.41
6.28%
40.71%
29.83%
6.72%
59.33%
575.79%
66.67%
12.18%
34.90%
26.45%
12.43%
52.48%
288.14%
70.35%
1.49%
32.65%
42.57%
13.00%
59.95%
424.39%
101.63%
1.44%
29.45%
42.67%
9.34%
59.23%
671.76%
125.20%
2.57%
34.98%
35.94%
7.51%
56.74%
751.39%
116.69%
31.81%
22.89%
40.09%
34.36%
71.97%
34.49%
26.14%
32.78%
28.79%
75.79%
23.32%
22.87%
36.46%
7.66%
98.06%
27.66%
31.99%
48.24%
20.68%
115.64%
31.41%
36.28%
47.38%
10.77%
115.50%
30.70%
0.98
12.97
0.22
37.68%
0.78
13.32
0.33
35.29%
0.72
12.93
0.37
35.98%
0.54
10.39
0.26
37.39%
0.21
11.03
0.20
1.24
-1.93
4.95
0.97
1.86
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
82
2012
LEASING COMPANIES
PERFORMANCE AT A GLANCE
Outlook of leasing sector in the country has not been encouraging during FY12. Asset base decreased
by 0.3 percent from Rs 33.8 billion in FY11 to Rs 33.7 billion in FY12. The sector showed profit
before taxation of Rs. 27.0 million in FY12 as compared to Rs. 407.2 million in FY11.
ANALYSIS OF SHAREHOLDERS
EQUITY
Shareholder's Equity
6.0
5.0
4.0
3.0
Billion Rs.
2.0
0.0
-2.0
billion in FY12.
4.9
4.5
FY 12
4.4 4.4
0.0%
-9.0%
Growth%
20.0%
10.0%
9.7%
0.0%
2.1 2.3
-10.0%
1.0
-1.0
FY 11
-20.0%
Total
Equity
Share
Capital
Reserves
Un-appr.
profit/loss
-40.6%-40.0%
-1.6
-2.2
-3.0
-30.0%
-50.0%
ANALYSIS OF LIABILITIES
Total liabilities slightly increased from Rs.
Composition of non-current
liabilities
15.0
liabilities
(MISC).
The
Billion Rs.
6.4
MISC
DFL
4.7
5.0
0.0
6.7
10.0
3.7
3.4
2.8
FY 11
FY 12
BFI
year FY12. BFI decreased from Rs 3.4 billion in FY11 to Rs 2.8 billion in FY12. Similarly, DFL
decreased from Rs 4.7 billion in FY11 to Rs. 3.7 billion in FY12.
83
2012
Current liabilities increased from Rs 14.2 billion in FY11 to Rs 15.6 billion in FY12, showing an
increase of 10.2 percent. The ratios of current liabilities to total liabilities have been 49.6 percent and
54.0 percent respectively in FY11 and FY12.
ANALYSIS OF ASSETS
Non Current Assets
Billion Rs.
FY 11
20
18
16
14
12
10
8
6
4
2
0
FY 12
Growth%
18.117.4
8.0%
7.8%
13.4
10.0%
5.2%
12.5
6.0%
4.0%
2.0%
0.0%
-2.0%
-3.5%
2.9 3.1
1.8 1.9
-6.0%
-6.9%
NCA
NIFL
-4.0%
FA
MISC
-8.0%
percent of non-current assets and other/miscellaneous assets 17.6 percent in FY12. FA and
other/miscellaneous assets increased by 7.8 percent & 5.2 percent respectively in FY12.
Current assets (CA) were Rs 15.7 billion
Current Assets
20.0
Billon Rs.
10.0
15.7
0.0
CA
16.2
1.2
1.9
14.5
14.4
FY 11
FY 12
CCA
OCA
of 53.6 percent and 39.3 percent respectively in FY12 over FY11. OCA constituted 92.2 percent of
CA in FY11 and 88.5 percent of CA in FY12, showing a decline of 0.7 percent in FY12.
84
2012
4.0
3.5
from
finance
lease
and
0.0%
1.0
-93.4%
-100.0%
0.3
-150.0%
0.9 0.9
0.4
0.5
0.8
1.0
0.0
investments
2.0%
50.0%
-50.0%
1.5
-0.5
from
14.0%
2.0
22.0%
Growth%
2.5
Billion Rs.
Income
FY 12
-0.9%
3.0
FY 11
3.6 3.6
0.0
0.0 0.0
IL
II
OI
AE
-200.0%
PAT -215.3%
PBT
-0.4
-1.0
-250.0%
Profitability Ratios
10%
8%
7.6%
6.9%
6%
FY 11
4%
2.1%
2%
0.2%
0%
ROE
-2%
ROCE
1.0%
ROA
-1.2%
ROR
-4%
FY 12
-6%
-8%
-10%
-8.7%
-8.6%
(ROR) have been in the negative zone this year except for return on capital employed (ROCE) which
is positive.
85
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
7,800,956
4,960,666
2,499,578
340,712
(67,720)
56,921,926
36,548,909
6,765,089
16,502,335
13,281,485
20,373,017
64,655,162
36,026,887
29,923,207
2,035,740
4,067,940
28,628,275
308,100
1,169,347
937,871
947,040
3,362,358
25,265,917
6,316,942
5,282,365
1,824,047
(789,470)
(133,118)
49,969,350
31,035,953
5,647,750
14,383,597
11,004,606
18,933,397
56,153,174
28,288,631
21,949,968
1,959,972
4,378,691
27,864,543
554,865
709,141
1,747,606
864,832
3,876,444
23,988,099
4,320,919
4,872,408
1,266,645
(1,818,134)
141,757
32,704,053
17,121,056
4,991,653
6,347,401
5,782,002
15,582,997
37,166,729
17,744,272
13,172,435
1,696,652
2,875,185
19,422,457
6,751
263,208
1,614,842
543,218
2,428,019
16,994,438
4,898,134
4,384,659
2,098,810
(1,585,335)
279,435
28,579,418
14,411,488
3,370,413
4,680,145
6,360,930
14,167,930
33,756,987
18,060,998
13,380,148
1,758,486
2,922,364
15,695,989
487
342,472
841,296
34,216
1,218,471
14,477,518
4,457,244
4,384,659
2,301,846
(2,229,261)
309,252
28,889,445
13,282,212
2,824,610
3,741,743
6,715,859
15,607,233
33,655,941
17,422,505
12,451,059
1,896,381
3,075,065
16,233,436
226
502,490
1,338,031
20,776
1,861,523
14,371,913
4,895,144
904,851
5,799,995
319,789
1,668,240
7,788,024
1,278,443
477,671
609,870
4,667,649
742,010
5,409,659
190,161
831,685
6,431,505
1,343,468
(1,646,659)
(1,519,073)
2,970,869
759,675
3,730,544
109,101
1,208,266
5,047,911
1,055,725
(656,095)
(578,624)
2,834,411
754,690
3,589,101
17,317
841,342
4,447,760
922,895
407,168
337,034
2,774,579
780,817
3,555,396
21,128
959,040
4,535,564
941,224
27,030
(388,552)
496,045
528,215
487,219
438,464
438,464
N/A
N/A
1,805,150
N/A
N/A
4,736,396
N/A
N/A
2,298,492
N/A
N/A
1,238,762
N/A
N/A
243,163
7.82%
1.08%
0.94%
7.83%
74.47%
2.10
1.23
-24.05%
-4.42%
-2.71%
-23.62%
84.11%
-0.88
-2.88
-13.39%
-3.04%
-1.56%
-11.46%
73.90%
-1.82
-1.19
6.88%
2.08%
1.00%
7.58%
80.69%
2.74
0.77
-8.72%
0.15%
-1.15%
-8.57%
78.39%
-2.42
-0.89
5.20%
46.28%
1.41
0.88
6.90%
39.09%
1.47
0.89
6.53%
35.44%
1.25
0.88
3.61%
39.64%
1.11
0.85
5.53%
37.00%
1.04
0.86
12.07%
15.73
11.25%
11.96
11.63%
8.87
14.51%
11.17
13.24%
10.17
2.96
0.09
-3.12
0.25
-3.97
0.15
3.68
0.09
-0.63
0.02
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
86
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
58,030
107,444
9,639
(59,053)
0
22,389
141
0
141
0
22,248
80,419
56,494
519
55,449
526
23,925
28
918
0
18,094
19,040
4,885
98,919
107,444
9,639
(18,164)
0
12,376
0
0
0
0
12,376
111,295
85,088
0
54,928
30,160
26,207
19
517
0
10,115
10,651
15,556
106,787
107,444
17,989
(18,646)
0
66,003
37,179
0
0
37,179
28,824
172,790
149,334
0
117,755
31,579
23,456
21
298
0
9,548
9,867
13,589
2,107
1,792
3,899
0
1,486
5,385
8,306
17,817
36,940
323
15,358
15,681
0
1,012
16,693
5,911
12,175
41,749
14
21,886
21,900
0
122
22,022
6,428
12,410
7,868
10,744
0.00%
0.00%
55,503
10,744
5.00%
0.00%
1,845
10,744
0.00%
0.00%
21,934
63.66%
30.63%
45.93%
685.98%
72.40%
0.22
3.44
42.21%
12.31%
37.51%
250.10%
93.94%
0.14
3.89
7.37%
8.62%
4.55%
35.73%
99.45%
0.82
0.73
23.68%
0.65%
1.08
0.28
9.57%
0.00%
2.12
0.11
5.71%
0.00%
0.81
0.38
72.16%
5.40
88.88%
9.21
61.80%
9.94
1.50
2.49
0.04
0.15
2.79
0.76
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
87
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
259,238
200,000
58,625
613
19,969
1,293,288
798,343
372,353
369,898
56,092
494,945
1,572,495
881,707
773,432
92,123
16,152
690,788
21
20,793
0
641,375
662,189
28,599
202,112
215,000
58,625
(71,513)
18,970
852,115
262,733
96,968
141,555
24,210
589,382
1,073,197
289,847
189,313
89,373
11,161
783,350
36
16,199
0
763,478
779,713
3,637
101,581
215,000
58,625
(172,044)
18,022
554,619
43,384
4,796
33,888
4,700
511,235
674,222
144,025
67,666
65,676
10,683
530,197
30
14,000
0
512,481
526,511
3,686
75,433
215,000
58,625
(198,192)
76,108
310,943
281,847
62,378
219,469
0
29,096
462,484
448,392
431,552
16,493
347
14,092
39
11,151
0
2,101
13,291
801
71,910
215,000
58,625
(201,715)
97,121
170,480
164,033
12,383
151,650
0
6,447
339,511
334,129
332,591
1,303
235
5,382
33
3,578
0
1,228
4,839
543
129,584
8,317
137,901
0
15,055
152,956
38,556
(9,571)
(10,283)
91,969
3,415
95,384
0
10,931
106,315
36,188
(74,578)
(56,520)
50,634
5,425
56,059
0
10,361
66,420
27,767
(118,232)
(101,478)
18,842
988
19,830
0
10,780
30,610
(20,628)
(42,506)
(44,170)
14,775
107
14,882
0
11,048
25,930
(14,579)
(1,784)
(3,523)
20,000
0.00%
0.00%
171,193
21,500
0.00%
0.00%
(24,336)
21,500
0.00%
0.00%
(24,634)
21,500
0.00%
0.00%
(27,623)
21,500
0.00%
0.00%
(4,117)
-3.97%
-0.89%
-0.65%
-6.72%
90.16%
-3.75
-0.51
-27.96%
-15.41%
-5.27%
-53.16%
89.72%
-0.64
-2.63
-99.90%
-72.54%
-15.05%
-152.78%
84.40%
-0.27
-4.72
-58.56%
-9.81%
-9.55%
-144.30%
64.78%
0.47
-2.05
-4.90%
-0.54%
-1.04%
-13.59%
57.39%
4.14
-0.16
42.11%
49.19%
1.40
0.82
72.65%
17.64%
1.33
0.79
78.09%
10.04%
1.04
0.82
2.87%
93.31%
0.48
0.67
1.43%
97.96%
0.83
0.50
16.49%
12.96
18.83%
9.40
15.07%
4.72
16.31%
3.51
21.18%
3.34
-16.65
0.35
0.43
-0.04
0.24
-0.05
0.63
-0.95
1.17
-0.64
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
88
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
720,708
500,000
88,932
131,776
(97,976)
293,173
67,008
0
66,017
991
226,165
915,905
353,502
194,096
6,498
152,908
562,403
1,301
2,394
218,315
0
222,010
340,393
617,815
500,000
88,932
28,883
(35,573)
99,621
40,441
0
40,441
0
59,180
681,863
289,984
109,761
4,996
175,227
391,879
22
111,296
119,934
0
231,252
160,627
648,916
500,000
95,152
53,764
(21,891)
110,680
54,165
0
52,281
1,884
56,515
737,705
373,074
189,948
7,612
175,514
364,631
121
6,065
121,028
0
127,214
237,417
705,192
500,000
106,407
98,785
(17,939)
215,889
88,612
0
86,935
1,677
127,277
903,142
592,851
394,831
9,374
188,646
310,291
318
7,044
51,152
0
58,514
251,777
41,503
1,167
42,670
52,966
12,814
108,450
24,802
853
10,915
27,145
294
27,439
36,832
3,663
67,934
29,087
(126,024)
(102,893)
19,463
48,927
68,390
51
0
68,441
34,519
34,017
31,101
48,166
46,215
94,381
0
0
94,381
44,826
57,080
56,276
66,088
25,775
91,863
0
0
91,863
47,809
12,232
10,979
50,000
0.00%
0.00%
148,975
50,000
0.00%
0.00%
151,088
50,000
0.00%
0.00%
(69,226)
50,000
0.00%
0.00%
(232,366)
50,000
0.00%
0.00%
(183,781)
1.51%
0.12%
1.19%
10.06%
39.35%
2.27
0.22
-16.65%
-20.24%
-15.09%
-151.46%
40.39%
-0.28
-2.06
4.79%
4.99%
4.22%
45.44%
99.93%
1.11
0.62
7.98%
7.36%
6.23%
59.63%
100.00%
0.80
1.13
1.53%
1.22%
0.94%
11.95%
100.00%
4.35
0.22
24.24%
21.19%
2.49
0.32
33.91%
16.10%
6.62
0.15
17.24%
25.75%
6.45
0.15
6.48%
43.72%
2.44
0.24
2.95%
50.98%
3.35
0.39
78.69%
14.41
90.61%
12.36
87.96%
12.98
78.08%
14.10
61.01%
14.32
13.65
0.66
-1.47
2.55
-2.23
-1.22
-4.13
-1.83
-16.74
-1.09
716,171
500,000
108,603
107,568
(4,520)
462,160
293,664
150,000
140,958
2,706
168,496
1,173,811
609,093
598,367
9,346
1,380
564,718
40
4,127
30,407
0
34,574
530,144
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
89
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,603,868
694,785
1,576,899
332,184
0
25,211,112
20,175,342
3,602,959
9,913,743
6,658,640
5,035,770
27,814,980
15,876,126
13,169,849
832,333
1,873,944
11,938,854
207,557
0
261,519
0
469,076
11,469,778
2,077,910
820,528
1,052,604
204,778
0
25,245,296
17,807,230
3,864,826
8,100,984
5,841,420
7,438,066
27,323,206
13,465,632
9,828,123
1,121,881
2,515,628
13,857,574
528,227
0
1,467,281
0
1,995,508
11,862,066
2,016,356
820,529
1,195,827
0
0
21,762,670
12,963,244
3,186,110
4,543,263
5,233,871
8,799,426
23,779,026
11,918,496
9,130,304
1,075,338
1,712,854
11,860,530
0
128,632
1,216,429
0
1,345,061
10,515,469
2,160,686
820,529
1,340,157
0
87,013
19,554,519
11,093,605
2,172,519
3,165,148
5,755,938
8,460,914
21,802,218
12,238,277
9,109,645
1,266,877
1,861,755
9,563,941
0
242,277
358,263
0
600,540
8,963,401
2,376,165
820,529
1,555,636
0
85,045
19,535,444
10,354,374
1,938,187
2,273,603
6,142,584
9,181,070
21,996,654
11,640,724
7,839,575
1,341,222
2,459,927
10,355,930
0
336,373
737,619
0
1,073,992
9,281,938
2,378,393
535,434
2,913,827
33,330
504,110
3,451,267
516,826
351,609
266,609
2,374,476
589,621
2,964,097
83,641
475,772
3,523,510
651,523
(428,715)
(467,096)
2,066,884
625,848
2,692,732
70,258
994,309
3,757,299
599,756
125,956
104,784
2,107,805
648,815
2,756,620
0
433,383
3,190,003
548,631
226,585
144,673
2,012,627
703,582
2,716,209
0
633,214
3,349,423
585,467
274,864
201,864
69,478
15.00%
15.00%
549,478
82,053
0.00%
0.00%
2,690,983
82,053
0.00%
0.00%
945,394
82,053
10.00%
0.00%
801,778
82,053
15.00%
0.00%
460,537
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
10.24%
1.54%
0.96%
7.72%
84.43%
1.94
3.84
-22.48%
-2.16%
-1.71%
-13.26%
84.12%
-1.39
-5.69
5.20%
0.84%
0.44%
2.79%
71.67%
5.72
1.28
6.70%
1.70%
0.66%
4.54%
86.41%
3.79
1.76
8.50%
2.14%
0.92%
6.03%
81.09%
2.90
2.46
1.69%
47.35%
2.37
0.91
7.30%
35.97%
1.86
0.92
5.66%
38.40%
1.35
0.92
2.75%
41.78%
1.13
0.90
4.88%
35.64%
1.13
0.89
9.36%
37.48
7.60%
25.32
8.48%
24.57
9.91%
26.33
10.80%
28.96
2.06
0.11
-5.76
0.36
9.02
0.11
5.54
0.09
2.28
0.05
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
90
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
256,702
193,698
29,580
33,424
24,871
282,308
151,144
0
129,971
21,173
131,164
563,881
354,788
303,813
47,894
3,081
209,093
0
181,497
0
0
181,497
27,596
333,766
253,698
32,556
47,512
47,865
324,924
227,757
25,000
161,465
41,292
97,167
706,555
473,944
391,013
82,710
221
232,611
0
182,279
0
0
182,279
50,332
346,117
253,698
37,041
55,378
44,150
309,837
235,872
8,333
178,168
49,371
73,965
700,104
447,104
366,450
77,532
3,122
253,000
0
6,233
1,530
0
7,763
245,237
364,255
253,698
41,785
68,772
41,756
410,023
288,464
25,000
198,580
64,884
121,559
816,034
527,791
450,676
73,978
3,137
288,243
0
2,237
1,745
0
3,982
284,261
389,369
253,698
44,648
91,023
39,045
421,665
304,498
0
217,146
87,352
117,167
850,079
524,056
449,235
71,665
3,156
326,023
0
42,904
1,643
0
44,547
281,476
40,338
9,429
49,767
703
150
50,620
18,028
12,164
10,849
53,639
27
53,666
5,184
349
59,199
18,669
23,023
14,878
58,705
5,453
64,158
4,738
487
69,383
19,884
32,273
21,249
61,302
3,172
64,474
0
4,724
69,198
31,455
33,900
15,528
75,166
2,194
77,360
0
7,046
84,406
28,187
48,102
22,505
19,370
0.00%
0.00%
7,472
25,370
0.00%
0.00%
(31,254)
25,370
5.00%
0.00%
43,228
25,370
0.00%
0.00%
(48,250)
25,370
0.00%
0.00%
73,705
4.23%
2.81%
1.92%
21.43%
98.31%
1.66
0.56
4.46%
3.78%
2.11%
25.13%
90.65%
1.25
0.59
6.14%
5.15%
3.04%
30.63%
92.47%
0.94
0.84
4.26%
4.88%
1.90%
22.44%
93.17%
2.03
0.61
5.78%
6.56%
2.65%
26.66%
91.65%
1.25
0.89
32.19%
53.88%
1.59
0.50
25.80%
55.34%
2.39
0.46
1.11%
52.34%
3.42
0.44
0.49%
55.23%
2.37
0.50
5.24%
52.85%
2.78
0.50
45.52%
13.25
47.24%
13.16
49.44%
13.64
44.64%
14.36
45.80%
15.35
0.69
0.06
-2.10
-0.32
2.03
0.58
-3.11
-0.40
3.28
0.63
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
91
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
419,363
320,000
48,466
50,897
(8,783)
1,569,329
895,907
340,486
181,250
374,171
673,422
1,979,909
1,221,954
1,146,981
9,711
65,262
757,955
33,964
31,308
0
0
65,272
692,683
349,615
320,000
48,466
(18,851)
1,649
1,239,513
529,821
98,236
428,318
3,267
709,692
1,590,777
957,777
907,451
13,861
36,465
633,000
36
22,411
0
0
22,447
610,553
299,829
320,000
48,466
(68,637)
3,835
685,972
297,074
12,659
280,353
4,062
388,898
989,636
470,485
432,543
23,402
14,540
519,151
26
11,877
28,660
0
40,563
478,588
237,289
320,000
48,466
(131,177)
184
552,468
98,820
14,111
72,496
12,213
453,648
789,941
207,162
158,289
23,017
25,856
582,779
9
10,407
3,864
0
14,280
568,499
208,202
320,000
48,466
(160,264)
129
378,723
63,568
3,540
55,798
4,230
315,155
587,054
114,354
82,582
20,804
10,968
472,700
18
7,173
3,809
0
11,000
461,700
134,241
0
134,241
5,663
15,951
155,855
43,631
2,275
7,711
104,603
0
104,603
(4,674)
19,268
119,197
47,631
(70,560)
(69,748)
74,548
74,548
0
11,043
85,591
44,709
(47,388)
(49,786)
44,260
0
44,260
0
15,459
59,719
47,250
(61,943)
(62,540)
34,334
0
34,334
0
11,493
45,827
40,555
(28,859)
(29,088)
32,000
0.00%
0.00%
92,656
32,000
0.00%
0.00%
236,228
32,000
0.00%
0.00%
231,733
32,000
0.00%
0.00%
31,297
32,000
0.00%
0.00%
81,255
1.84%
0.17%
0.39%
4.95%
86.13%
5.66
0.24
-19.95%
-8.01%
-4.38%
-58.51%
87.76%
-0.68
-2.18
-16.60%
-7.89%
-5.03%
-58.17%
87.10%
-0.90
-1.56
-26.36%
-18.42%
-7.92%
-104.72%
74.11%
-0.76
-1.95
-13.97%
-10.61%
-4.95%
-63.47%
74.92%
-1.39
-0.91
3.30%
57.93%
1.13
0.79
1.41%
57.04%
0.89
0.78
4.10%
43.71%
1.33
0.69
1.81%
20.04%
1.28
0.70
1.87%
14.07%
1.50
0.65
21.18%
13.11
21.98%
10.93
30.30%
9.37
30.04%
7.42
35.47%
6.51
12.02
0.14
-3.39
0.33
-4.65
0.60
-0.50
0.07
-2.79
0.26
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
92
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
684,097
451,605
150,857
81,635
(136,762)
6,888,051
2,441,650
0
1,070,376
1,371,274
4,446,401
7,435,386
3,313,267
2,941,966
256,383
114,918
4,122,119
49,704
419,779
11,250
0
480,733
3,641,386
217,148
451,605
148,257
(382,714)
(144,934)
5,830,720
2,648,890
0
876,653
1,772,237
3,181,830
5,902,934
2,233,638
1,880,876
260,795
91,967
3,669,296
14,125
108,866
1,013
0
124,004
3,545,292
(123,738)
451,605
148,257
(723,600)
25,261
4,569,990
1,769,358
632,000
692,925
444,433
2,800,632
4,471,513
1,408,863
1,069,278
119,283
220,302
3,062,650
30
18,511
184,682
0
203,223
2,859,427
(239,548)
451,605
148,257
(839,410)
23,664
3,378,209
1,100,629
431,122
164,269
505,238
2,277,580
3,162,325
765,287
453,840
99,760
211,687
2,397,038
36
31,665
184,144
0
215,845
2,181,193
(1,058,654)
451,605
148,257
(1,658,516)
47,637
3,004,708
682,548
246,884
70,039
365,625
2,322,160
1,993,691
482,427
282,416
132,660
67,351
1,511,264
27
27,252
122,569
0
149,848
1,361,416
479,905
74,835
554,740
0
316,561
871,301
105,283
90,865
73,465
437,132
62,221
499,353
0
177,970
677,323
112,291
(527,197)
(458,059)
277,855
25,474
303,329
0
132,554
435,883
97,227
(419,636)
(342,754)
135,665
9,968
145,633
0
73,932
219,565
90,227
(165,937)
(117,678)
57,856
4,917
62,773
0
81,354
144,127
76,690
(602,998)
(821,752)
45,160
0.00%
0.00%
(240,840)
45,160
0.00%
0.00%
823,319
45,160
0.00%
0.00%
930,274
45,160
0.00%
0.00%
935,483
45,160
0.00%
0.00%
311,771
10.74%
3.04%
0.99%
8.43%
63.67%
1.43
1.63
-210.94%
-19.37%
-7.76%
-67.63%
73.72%
-0.25
-10.14
277.00%
-25.11%
-7.67%
-78.63%
69.59%
-0.28
-7.59
49.13%
-18.76%
-3.72%
-53.60%
66.33%
-0.77
-2.61
77.62%
183.58%
-41.22%
-570.16%
43.55%
-0.09
-18.20
6.47%
39.57%
0.93
0.93
2.10%
31.86%
1.15
0.99
4.54%
23.91%
1.09
1.02
6.83%
14.35%
1.05
1.07
7.52%
14.17%
0.65
1.51
9.20%
15.15
3.68%
4.81
-2.77%
-2.74
-7.58%
-5.30
-53.10%
-23.44
-3.28
-0.05
-1.80
0.26
-2.71
0.33
-7.95
0.41
-0.38
0.13
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
93
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
592,370
475,500
118,867
(1,997)
23,776
4,961,128
2,632,668
1,602,207
1,027,875
2,586
2,328,460
5,577,274
3,108,830
2,302,632
246,681
559,517
2,468,444
60
38,634
4,814
305,665
349,173
2,119,271
215,787
438,028
118,867
(341,108)
22,547
3,727,834
1,812,607
1,157,747
654,860
0
1,915,227
3,966,168
2,010,853
1,222,343
204,684
583,826
1,955,315
0
3,750
680
101,354
105,784
1,849,531
59,449
438,028
118,867
(497,446)
21,319
2,668,937
1,432,902
1,147,358
285,544
0
1,236,035
2,749,705
1,114,513
494,912
161,314
458,287
1,635,192
34
2,517
1,305
12,643
16,499
1,618,693
310,259
438,028
159,867
(287,636)
24,830
1,598,998
898,338
665,283
233,055
0
700,660
1,934,087
837,029
328,129
145,434
363,466
1,097,058
2
7,079
9,110
22,000
38,191
1,058,867
422,288
438,028
181,867
(197,607)
0
1,017,039
590,346
473,616
116,730
0
426,693
1,439,327
613,862
118,134
136,847
358,881
825,465
12
4,828
0
10,000
14,840
810,625
383,218
58,595
441,813
0
556,615
998,428
89,305
(10,039)
211,810
321,161
46,438
367,599
(108,625)
(60,802)
198,172
99,937
(468,114)
(357,797)
149,924
21,398
171,322
(49,674)
8,467
130,115
93,118
(291,909)
(273,954)
100,876
15,418
116,294
(625)
259,186
374,855
86,112
216,731
205,845
62,545
11,701
74,246
(55)
169,174
243,365
83,379
115,894
112,029
47,550
9.00%
0.00%
152,826
43,802
0.00%
0.00%
57,319
43,802
0.00%
0.00%
201,632
43,802
0.00%
0.00%
251,530
43,802
0.00%
0.00%
231,789
35.76%
-0.31%
3.80%
21.21%
44.25%
0.42
4.45
-165.81%
-22.82%
-9.02%
-180.55%
185.49%
-0.28
-8.17
-460.82%
-19.28%
-9.96%
-210.55%
131.67%
-0.34
-6.25
66.35%
17.57%
10.64%
54.91%
31.02%
0.42
4.70
26.53%
11.44%
7.78%
46.03%
30.51%
0.74
2.56
6.26%
41.29%
1.06
0.89
2.67%
30.82%
1.02
0.94
0.60%
18.00%
1.32
0.97
1.97%
16.97%
1.57
0.83
1.03%
8.21%
1.93
0.71
10.62%
12.46
5.44%
4.93
2.16%
1.36
16.04%
7.08
29.34%
9.64
0.72
0.07
-0.16
0.03
-0.74
0.16
1.22
0.36
2.07
0.54
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
94
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
331,993
300,000
61,861
(29,868)
55,194
982,953
479,120
141,667
1,739
335,714
503,833
1,370,140
627,911
541,329
85,513
1,069
742,229
58
73,089
163,257
0
236,404
505,825
306,303
300,000
61,862
(55,559)
40,476
632,691
315,918
33,333
1,077
281,508
316,773
979,470
361,974
278,688
82,337
949
617,496
67
97,559
137,332
0
234,958
382,538
313,321
300,000
63,209
(49,888)
54,953
163,218
70,515
397
39,048
31,070
92,703
531,492
201,727
119,243
81,654
830
329,765
65
48,354
60,118
0
108,537
221,228
334,524
300,000
67,424
(32,900)
43,823
133,229
78,862
0
57,882
20,980
54,367
511,576
176,560
108,608
67,609
343
335,016
57
23,317
213,618
0
236,992
98,024
324,942
300,000
0
24,942
45,126
19,837
6,263
0
0
6,263
13,574
389,905
63,364
0
63,132
232
326,541
2
69,892
253,444
0
323,338
3,203
123,397
11,100
134,497
0
22,261
156,758
23,854
58,147
54,580
84,095
5,192
89,287
0
10,540
99,827
24,054
(74,417)
(67,860)
43,171
184
43,355
0
31,844
75,199
24,326
(486)
6,736
25,052
12,236
30,000
11.00%
0.00%
377,294
30,000
0.00%
0.00%
325,976
16.44%
6.71%
3.98%
34.82%
85.80%
0.44
1.82
25,052
17,916
5,509
48,477
7,420
13,738
21,077
12,236
21,099
4,297
37,632
6,033
19,310
12,710
30,000
0.00%
0.00%
210,019
30,000
5.00%
0.00%
109,863
30,000
2.50%
0.00%
124,985
-22.15%
-11.23%
-6.93%
-67.98%
89.44%
-0.35
-2.26
2.15%
-0.11%
1.27%
8.96%
57.65%
3.61
0.22
6.30%
3.00%
4.12%
43.48%
51.68%
0.35
0.70
3.91%
5.13%
3.26%
33.77%
32.51%
0.47
0.42
17.25%
39.51%
1.47
0.72
23.99%
28.45%
1.95
0.65
20.42%
22.44%
3.56
0.31
46.33%
21.23%
6.16
0.26
82.93%
0.00%
24.06
0.05
24.23%
11.07
31.27%
10.21
58.95%
10.44
65.39%
11.15
83.34%
10.83
6.91
0.75
-4.80
1.03
31.18
2.27
5.21
2.02
9.83
9.21
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
95
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
209,098
391,342
94,407
(276,651)
(853)
1,543,716
460,871
66,667
285,129
109,075
1,082,845
1,751,961
811,401
567,724
9,618
234,059
940,560
7
5,040
14,698
0
19,745
920,815
736,138
978,354
94,408
(336,624)
(3,893)
1,269,281
304,736
0
201,334
103,402
964,545
2,001,526
1,292,056
1,043,785
6,734
241,537
709,470
7
5,287
5,741
0
11,035
698,435
778,743
978,354
102,929
(302,540)
(3,892)
1,580,409
230,248
0
228,521
1,727
1,350,161
2,355,260
1,561,028
1,279,678
3,699
277,651
794,232
32
8,518
1,025
0
9,575
784,657
851,125
978,355
118,183
(245,413)
(4)
2,412,764
482,311
0
482,311
0
1,930,453
3,263,885
2,182,561
1,944,578
1,016
236,967
1,081,324
7
6,778
19,400
0
26,185
1,055,139
900,064
978,355
137,755
(216,046)
(331)
3,813,386
785,739
0
715,819
69,920
3,027,647
4,713,119
2,891,162
2,748,159
1,647
141,356
1,821,957
73
6,065
188,540
0
194,678
1,627,279
0
150,715
150,715
7,493
23,297
181,505
48,561
(56,738)
(63,262)
141,428
23,994
165,422
0
14,464
179,886
53,833
(56,552)
(59,973)
206,423
18,709
225,132
1,035
15,393
241,560
70,626
65,547
42,606
292,120
14,756
306,876
26
37,357
344,259
81,691
117,345
76,274
438,938
10,655
449,593
84
41,292
490,969
81,255
177,859
97,856
39,134
0.00%
0.00%
605,369
97,835
0.00%
0.00%
(434,775)
97,835
0.00%
0.00%
(220,574)
97,835
5.00%
0.00%
(584,795)
97,835
8.00%
0.00%
(874,915)
-30.25%
-8.48%
-3.61%
-34.85%
83.04%
-0.77
-1.62
-8.15%
-5.45%
-3.00%
-33.34%
91.96%
-0.90
-0.61
5.47%
6.52%
1.81%
17.64%
93.20%
1.66
0.44
8.96%
8.80%
2.34%
22.16%
89.14%
1.07
0.78
10.87%
10.55%
2.08%
19.93%
91.57%
0.83
1.00
1.13%
32.41%
0.87
0.88
0.55%
52.15%
0.74
0.63
0.41%
54.33%
0.59
0.67
0.80%
59.58%
0.56
0.74
4.13%
58.31%
0.60
0.81
11.94%
5.34
36.78%
7.52
33.06%
7.96
26.08%
8.70
19.10%
9.20
-9.57
0.56
7.25
-0.45
-5.18
-0.16
-7.67
-0.30
-8.94
-0.29
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend
4.Cash generated from operating activities
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
96
2012
INVESTMENT BANKS
The performance of investment banks has deteriorated over the year. Analysis revealed that their
balance sheet size squeezed by 35.8 percent in FY12 over FY11. The aggregate share capital remained
same. Losses before and after tax have been Rs. 2.3 billion and Rs. 2.0 billion respectively in FY12.
Gross revenue also witnessed a decrease of 34.3 percent during FY12.
Shareholders' Equity
ANALYSIS OF SHAREHOLDERS EQUITY
FY 11
20%
0.00%
5.0
Billion Rs.
Growth%
10.0
FY 12
0.07%
0.0
-5.0
TE
SC
RV
0%
-20%
UPL -31%
-40%
-49%
-10.0
-60%
ANALYSIS OF LIABILITIES
Total liabilities witnessed a decline of 34.1 percent from Rs 21.5 billion in FY11 to Rs 14.1 billion in
FY12. Share Composition of current and non-current liabilities to total liabilities was 83.1 and 16.9
percent respectively in FY12 as against 82.8 and 17.2 percent in FY11. Current liabilities decreased by
33.9 percent to reach Rs 11.8 billion in FY12.
ANALYSIS OF ASSETS
Current Assets
30.0
Billion Rs.
20.0
19.1
11.4
10.9
10.0
0.3 0.5
0.0
Current Assets Cash & Bank
(CA)
Bal.
19.5
FY 11
Other CA
FY 12
increase of 39.6 percent over FY11. Other current assets at Rs 10.9 billion in FY12, showed a decrease
of 42.9 percent over FY11.
97
in
FY12
showed
FY 11
5.0
4.0
assets
in
FY12.
Billion Rs.
6.0
2012
Long-term
FY 12
5.0
4%
4.3
2.8
3.0
2.0
-14%
0.9 0.9
1.0
Growth%
2.2
-10%
1.2 1.1
-21%
0.0
Non-Current Fixed Assets Long Trem
Assets
Invt.
10%
5%
0%
-5%
-10%
-15%
-20%
-25%
Other NCA
Fixed assets in investment banks have been around Rs 0.9 billion both in FY11 and FY12.
FY 11
3.0
operating
Billion Rs.
administrative
2.0
1.0
2.3
FY 12
-25%
-34%2.0
-34%
1.5 1.0-18%
0.9
0.8
0.6
-50%
1.5
-135%
0.0
-1.0
-2.0
-3.0
Growth%
0%
GR
AMIN
OP
FC
PBT
PAT
-0.8
-0.9
-204%
-2.0
-2.3
-100%
-150%
-200%
-250%
to Rs 618.0 million in FY12. Finance cost decreased by 25.2 percent to reach Rs 1.5 billion in FY12
from Rs 2.0 billion in FY11. Losses of investment banks before and after taxes were Rs 2.3 billion and
Rs 2.0 billion respectively in FY12.
Return on equity (ROE), return
-13.4%
Profitability Ratios
-36.9%
-3.8% ROA
-12.9%
on
revenue
-69.3%
(ROR)
ROR
ROCE
-11.9%
-129.2%
ROE
-27.9%
-140%
-120%
FY 12
98
-100%
-80%
FY 11
-60%
-40%
-20%
0%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
9,526,688
3,861,474
3,956,573
3,075,435
1,565,563
1.Share capital
7,625,153
9,472,352
8,809,385
8,809,385
8,809,385
2.Reserves
1,752,876
(839,614)
(892,104)
(858,319)
(857,760)
148,659
(4,771,264)
(3,960,708)
(4,875,631)
(6,386,062)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit/loss
(711,925)
(135,740)
(69,578)
(105,833)
(24,817)
45,556,092
32,722,638
22,647,951
21,456,241
14,141,973
1.Current liabilities
33,856,343
22,467,310
17,502,134
17,765,603
11,751,023
4.Others
11,699,749
10,255,328
5,145,817
3,690,638
2,390,950
54,370,855
36,448,372
26,534,946
24,425,843
15,682,719
1.Current assets (a + b)
38,590,037
22,359,537
18,320,595
19,454,866
11,397,705
1,792,740
879,937
627,788
346,509
483,765
36,797,297
21,479,600
17,692,807
19,108,357
10,913,940
15,780,818
14,088,835
8,214,351
4,970,977
4,285,014
a.Fixed assets
1,651,142
2,357,479
1,089,410
893,086
932,697
b.Long-term investments
9,118,257
3,765,840
2,971,874
1,240,489
1,110,823
5,011,419
7,965,516
4,153,067
2,837,402
2,241,494
1.Gross revenue
6,599,385
2,808,171
2,862,407
2,323,809
1,529,708
1,914,881
998,055
1,493,077
1,019,462
833,207
3.Operating profit
4,545,526
1,810,116
1,369,330
935,914
617,994
4.Finance cost
2,977,616
3,259,862
2,235,220
2,000,693
1,495,781
694,271
(5,043,689)
(1,885,521)
(771,710)
(2,347,083)
934,899
(4,063,536)
(1,343,741)
(859,567)
(2,022,878)
676,615
857,235
880,939
880,940
880,939
E.Other items
1.No. of shares
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(1,530,066)
(992,255)
3,104,579
9.81%
-105.23%
-33.96%
-27.95%
-129.21%
3.38%
-36.08%
-20.87%
-11.59%
-59.70%
1.72%
-11.15%
-5.06%
-3.52%
-12.90%
14.17%
-144.70%
-46.94%
-36.99%
-132.24%
204.82%
-24.56%
-111.11%
-118.60%
-41.19%
1.38
-4.74
-1.53
-0.98
-2.30
1.14
1.00
1.05
1.10
0.97
0.84
0.90
0.85
0.88
0.90
16.77%
10.33%
11.20%
5.08%
7.08%
17.52%
10.59%
14.91%
12.59%
9.98%
14.08
4.50
4.49
3.49
1.78
-1.64
0.24
-2.31
0.24
-0.01
(205,553)
11,644
G.Liquidity ratios
99
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
851,850
597,403
366,292
304,107
268,703
1.Share capital
441,000
441,000
441,000
441,000
441,000
2.Reserves
154,050
154,050
154,050
154,050
154,050
3.Unappropriated profit/loss
256,800
2,353
(228,758)
(290,943)
(326,347)
Items
A.Total equity (A1 to A3)
(3,533)
4.Others
7,269
6,824
5,648,593
1,502,971
1,289,870
1,854,696
(2,499)
1,699,759
31,067
4,737,057
971,888
866,129
1,736,893
1,462,806
911,536
531,083
423,741
117,803
236,953
6,496,910
2,107,643
1,662,986
2,156,304
1,999,529
1.Current assets (a + b)
5,394,443
1,108,243
851,787
1,723,184
1,567,758
2.Non-current liabilities
306,542
19,478
19,508
26,434
48,339
5,087,901
1,088,765
832,279
1,696,750
1,519,419
1,102,467
999,400
811,199
433,120
431,771
a.Fixed assets
135,383
106,581
90,658
82,481
109,504
b.Long-term investments
556,374
544,938
530,943
157,234
100,994
410,710
347,881
189,598
193,405
221,273
1.Gross revenue
804,919
356,524
182,339
226,765
249,454
238,319
141,833
91,007
85,905
71,410
3.Operating profit
566,600
214,691
91,332
140,860
178,044
4.Finance cost
201,267
92,854
32,358
76,167
126,126
94,512
3,803
(111,835)
(64,410)
(44,359)
137,817
(166,247)
(115,298)
(62,185)
35,404
1.No. of shares
44,100
44,100
44,100
44,100
44,100
2.Cash dividend
20.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
259,937
(124,831)
188,243
134,072
3,184
-27.83%
-31.48%
-20.45%
13.18%
-8.26%
E.Other items
5.37%
0.33%
-14.03%
-15.36%
2.12%
-7.89%
-6.93%
-2.88%
1.77%
17.12%
-46.63%
-63.23%
-27.42%
14.19%
172.92%
-85.31%
-78.93%
-138.14%
201.70%
3.13
-3.77
-2.61
-1.41
0.80
1.14
1.14
0.98
0.99
1.07
0.87
0.71
0.78
0.86
0.85
8.56%
25.86%
31.93%
7.29%
5.05%
13.11%
28.34%
22.03%
14.10%
13.44%
19.32
13.55
8.31
6.90
6.09
1.89
0.75
-1.63
-2.16
0.09
G.Liquidity ratios
100
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
557,982
808,568
816,442
727,979
656,782
1.Share capital
400,000
650,000
650,000
650,000
650,000
2.Reserves
114,558
116,089
117,663
117,663
117,663
43,424
42,479
48,779
(39,684)
(110,881)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit/loss
(7,800)
4.Others
(22,388)
(14,967)
(12,587)
(19,447)
1,179,071
1,014,317
663,249
802,483
583,742
1,089,771
1,014,217
533,249
594,358
449,542
89,300
100
130,000
208,125
134,200
1,729,253
1,800,497
1,464,724
1,517,875
1,221,077
1.Current assets (a + b)
1,000,427
835,328
621,476
699,191
504,156
2.Non-current liabilities
13,969
31,469
18,898
8,598
4,514
986,458
803,859
602,578
690,593
499,642
728,826
965,169
843,248
818,684
716,921
9,730
6,943
4,461
12,072
13,025
629,687
788,163
786,088
676,605
560,575
89,409
170,063
52,699
130,007
143,321
178,306
214,296
164,282
137,804
139,198
39,328
46,240
49,064
49,177
49,027
168,056
115,218
88,627
90,171
102,461
106,488
81,280
92,344
91,041
24,923
12,751
5,015
(136,419)
(85,113)
16,038
7,655
7,874
(88,462)
(71,197)
1.No. of shares
44,100
65,000
65,000
65,000
65,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(12,572)
388,496
351,427
(115,855)
144,075
2.87%
0.95%
0.96%
-12.15%
-10.84%
3.90%
1.62%
0.54%
-14.77%
-11.03%
0.93%
0.43%
0.54%
-5.83%
-5.83%
8.99%
3.57%
4.79%
-64.19%
-51.15%
245.22%
604.05%
623.11%
-55.59%
-68.86%
0.36
0.12
0.12
-1.36
-1.10
0.92
0.82
1.17
1.18
1.12
0.68
0.56
0.45
0.53
0.48
36.41%
43.77%
53.67%
44.58%
45.91%
32.27%
44.91%
55.74%
47.96%
53.79%
12.65
12.44
12.56
11.20
10.10
-0.78
50.75
44.63
1.31
-2.02
3.Operating profit
4.Finance cost
E.Other items
G.Liquidity ratios
101
1.Current liabilities
(Thousand Rupees)
2011
2012
2008
2009
2010
1,778,996
(403,246)
688,563
615,906
210,885
1,342,326
569,539
626,493
1,342,326
1,342,326
1,024,030
258,210
333,745
333,745
333,745
185,427
(1,287,949)
(987,508)
(1,060,165)
(1,465,186)
4.Others
2012
(67,871)
(24,762)
(9,988)
9,285,199
5,655,107
(115,445)
2,527,415
1,233,747
952,970
7,102,703
4,339,578
1,309,872
656,529
669,075
2.Non-current liabilities
2,182,496
1,315,529
1,217,543
577,218
283,895
11,064,195
5,136,416
3,148,107
1,824,891
1,153,867
1.Current assets (a + b)
8,667,974
3,444,409
2,291,378
1,298,387
684,799
33,756
194,340
146,587
114,052
139,860
8,634,218
3,250,069
2,144,791
1,184,335
544,939
2,396,221
1,692,007
856,729
526,504
469,068
62,028
85,681
9,432
69,471
7,487
b.Long-term investments
1,064,499
410,190
22,961
163,947
186,929
1,269,694
1,196,136
824,336
293,086
274,652
1,468,881
235,222
292,791
192,259
14,730
97,377
94,049
99,623
88,027
84,482
1,371,504
141,173
193,168
104,232
(69,752)
980,004
1,128,269
123,891
18,403
4,875
a.Fixed assets
36,112
(1,807,575)
234,253
12,905
(408,083)
113,655
(1,791,422)
377,676
(44,024)
(376,388)
1.No. of shares
56,954
62,649
134,233
134,233
134,233
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
10.00%
0.00%
0.00%
0.00%
0.00%
(256,868)
(485,352)
1,190,133
320,540
99,447
0.06%
444.25%
54.85%
-7.15%
-178.48%
0.01%
-226.84%
12.74%
1.10%
-84.18%
0.01%
-34.88%
12.00%
-2.41%
-32.62%
0.08%
-761.59%
128.99%
-22.90%
-2,555.25%
0.86%
-5.25%
26.38%
-199.95%
-22.45%
2.00
-28.59
2.81
-0.33
-2.80
1.22
0.79
1.75
1.98
1.02
0.84
1.10
0.80
0.68
0.83
0.10%
7.99%
0.73%
8.98%
16.20%
0.16%
-7.85%
21.87%
33.75%
18.28%
31.24
-6.44
5.13
4.59
1.57
-2.26
0.27
3.15
-7.28
-0.26
E.Other items
G.Liquidity ratios
102
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,244,315
1,869,229
1,383,636
1,112,063
1,158,179
2,121,025
2,121,025
2,121,025
2,121,025
2,121,025
2.Reserves
136,831
136,831
115,145
115,145
115,145
3.Unappropriated profit/loss
(13,541)
(388,627)
(852,534)
(1,124,107)
(1,077,991)
1.Share capital
(38,096)
(55,489)
(37,372)
7,649,150
(62,069)
4,681,192
7,170,566
8,258,383
3,259,742
1.Current liabilities
6,040,538
3,991,601
6,552,288
7,799,232
2,867,370
4.Others
(1,767)
2.Non-current liabilities
1,608,612
689,591
618,278
459,151
392,372
9,831,396
6,548,654
8,516,106
9,314,957
4,380,549
1.Current assets (a + b)
6,997,249
4,018,714
6,433,626
8,673,144
3,527,189
849,863
112,664
216,618
138,606
182,851
6,147,386
3,906,050
6,217,008
8,534,538
3,344,338
2,834,147
2,529,940
2,082,480
641,813
853,360
151,837
112,052
88,449
188,030
151,764
2,310,472
1,293,943
1,392,615
22,932
26,179
411,623
1,147,548
501,835
467,117
675,344
1.Gross revenue
764,137
769,368
1,047,236
923,231
609,533
234,108
208,593
423,043
380,537
287,174
3.Operating profit
530,029
560,775
624,193
545,694
322,359
4.Finance cost
571,086
643,352
705,419
873,001
565,336
(45,637)
(450,654)
(399,790)
(208,767)
(806,437)
(6,386)
375,086
(164,268)
(271,618)
(603,884)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
E.Other items
212,102
212,102
212,102
212,103
212,103
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(368,225)
157,909
676,242
(622,551)
(494,834)
-0.28%
20.07%
-11.87%
-24.42%
-52.14%
-1.20%
-17.62%
-20.36%
-13.77%
-53.29%
-0.06%
5.73%
-1.93%
-2.92%
-13.79%
-0.84%
48.75%
-15.69%
-29.42%
-99.07%
-3,665.96%
55.61%
-257.53%
-140.10%
-47.55%
-0.03
1.77
-0.77
-1.28
-2.85
1.16
1.01
0.98
1.11
1.23
0.78
0.71
0.84
0.89
0.74
23.50%
19.76%
16.35%
0.25%
0.60%
22.83%
28.54%
16.25%
11.94%
26.44%
10.58
8.81
6.52
5.24
5.46
57.66
0.42
-4.12
2.29
0.82
1.No. of shares
G.Liquidity ratios
103
2008
2009
2010
380,238
853,716
214,273
2012
(Thousand Rupees)
2011
2012
(299,028)
(289,723)
746,424
2,727,669
2,848,669
2,848,669
2,848,669
(347,924)
(2,022,076)
(2,022,076)
(2,022,076)
(2,022,076)
(18,262)
148,123
(612,320)
(1,125,621)
(1,116,316)
190,476
144,871
17,189
9,259
9,258
1,457,526
6,848,396
4,841,876
3,677,196
2,468,157
1,456,235
4,779,208
3,896,071
2,997,097
1,991,616
1,291
2,069,188
945,805
680,099
476,541
2,028,240
7,846,983
5,073,338
3,387,427
2,187,692
1.Current assets (a + b)
1,646,427
5,073,978
3,686,464
2,531,467
1,671,211
2.Non-current liabilities
59,435
248,332
75,318
15,341
62,199
1,586,992
4,825,646
3,611,146
2,516,126
1,609,012
381,813
2,773,005
1,386,874
855,960
516,481
a.Fixed assets
159,020
946,976
463,409
310,817
199,006
b.Long-term investments
189,738
175,439
128,543
112,882
84,906
33,055
1,650,590
794,922
432,261
232,569
298,511
126,349
636,391
215,467
190,148
211,663
(239,922)
612,798
228,676
156,939
3.Operating profit
86,848
366,271
23,593
(13,209)
33,209
4.Finance cost
88,794
(60,849)
561,067
325,595
110,536
(4,521)
175,970
(717,297)
(435,909)
10,982
(19,468)
165,350
(761,121)
(436,621)
9,305
1.No. of shares
74,642
272,767
284,867
284,867
284,867
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(380,013)
374,906
554,605
105,597
(123,566)
-0.05%
19.37%
-355.21%
146.01%
-3.21%
-0.01%
5.74%
-60.93%
-111.68%
5.60%
-0.01%
2.11%
-15.00%
-12.89%
0.43%
-0.07%
130.87%
-119.60%
-202.64%
4.89%
-10.87%
-145.10%
-80.51%
-52.37%
1,686.61%
-0.26
0.61
-2.67
-1.53
0.03
1.13
1.06
0.95
0.84
0.84
0.72
0.87
0.95
1.09
1.13
0.09%
2.24%
2.53%
3.33%
3.88%
0.19%
10.88%
4.22%
-8.83%
-13.24%
5.09
3.13
0.75
-1.05
-1.02
19.52
2.27
-0.73
-0.24
-13.28
E.Other items
G.Liquidity ratios
104
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
680,706
488,012
511,929
518,022
522,279
1.Share capital
514,336
514,336
514,336
514,336
514,336
2.Reserves
139,650
139,650
141,611
142,123
142,682
26,720
(165,974)
(144,018)
(138,437)
(134,739)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit/loss
4.Others
(376,279)
(37,333)
(45,313)
(47,431)
(17,708)
627,119
508,819
296,883
392,895
390,455
620,833
500,880
296,883
392,895
390,455
6,286
7,939
931,546
959,498
763,499
863,486
895,026
1.Current assets (a + b)
699,235
738,195
632,472
738,640
776,810
2.Non-current liabilities
26,255
28,117
7,664
14,180
35,530
672,980
710,078
624,808
724,460
741,280
232,311
221,303
131,027
124,846
118,216
4,919
3,630
1,813
1,749
1,496
151,220
151,141
51,062
50,983
86,904
76,172
66,532
78,152
72,114
29,816
192,045
64,289
88,186
68,048
85,279
31,435
27,399
33,842
32,112
32,910
160,610
36,890
54,344
35,936
52,369
45,637
29,409
48,098
26,828
(202,728)
8,708
6,526
4,272
26,619
(192,693)
13,204
6,093
4,256
1.No. of shares
51,434
51,434
51,434
51,434
51,434
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(27,543)
(31,171)
(168,174)
(41,234)
11,708
0.04%
-39.49%
2.58%
1.18%
0.81%
0.09%
-44.20%
1.87%
1.39%
0.85%
0.03%
-20.08%
1.73%
0.71%
0.48%
0.14%
-299.73%
14.97%
8.95%
4.99%
1.18%
-14.22%
256.30%
527.03%
773.26%
0.52
-3.75
0.26
0.12
0.08
1.13
1.47
2.13
1.88
1.99
0.67
0.53
0.39
0.46
0.44
0.16%
15.75%
6.69%
5.90%
9.71%
0.73%
50.86%
67.05%
59.99%
58.35%
13.24
9.49
9.95
10.07
10.15
-1.04
0.16
-12.74
-6.77
2.75
E.Other items
G.Liquidity ratios
105
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,095,609
380,731
(24,562)
96,386
(961,542)
1.Share capital
585,529
585,529
892,029
892,029
892,029
2.Reserves
267,758
267,759
267,758
301,031
301,031
3.Unappropriated profit/loss
242,322
(472,557)
(1,184,349)
(1,096,674)
(2,154,602)
Items
A.Total equity (A1 to A3)
72,656
27,676
19,373
7,106,813
(270,341)
6,315,225
5,858,092
5,236,841
4,787,148
1.Current liabilities
4,776,224
4,243,904
4,047,642
3,588,599
3,920,159
4.Others
(220,625)
2.Non-current liabilities
2,330,589
2,071,321
1,810,450
1,648,242
866,989
7,932,081
6,475,331
5,906,186
5,360,903
3,844,979
1.Current assets (a + b)
3,510,993
4,277,208
3,803,392
3,790,853
2,665,782
93,289
158,792
143,195
29,298
10,472
3,417,704
4,118,416
3,660,197
3,761,555
2,655,310
4,421,088
2,198,123
2,102,794
1,570,050
1,179,197
450,342
157,284
110,710
331,607
264,732
3,420,843
162,976
59,662
55,906
64,336
842,961
1,924,437
1,711,525
1,249,412
664,519
1.Gross revenue
949,051
694,857
451,182
560,235
241,366
193,656
173,142
183,700
155,028
151,265
3.Operating profit
755,395
521,715
267,482
33,774
11,594
4.Finance cost
538,473
875,119
685,568
585,774
549,769
a.Fixed assets
b.Long-term investments
c.Other non-current assets
66,124
(976,389)
(904,575)
54,364
(1,018,345)
149,783
(715,226)
(701,808)
37,250
(1,020,374)
1.No. of shares
58,553
58,553
89,203
89,203
89,203
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(1,211,474)
660,426
312,103
13,878
371,630
13.67%
-187.86%
2,857.29%
38.65%
106.12%
2.10%
-43.76%
-48.67%
3.07%
1,354.54%
1.89%
-11.05%
-11.88%
0.69%
-26.54%
15.78%
-102.93%
-155.55%
6.65%
-422.75%
129.29%
-24.21%
-26.18%
416.18%
-14.82%
2.56
-12.22
-7.87
0.42
-11.44
0.74
1.01
0.94
1.06
0.68
0.90
0.98
0.99
0.98
1.25
43.13%
2.52%
1.01%
1.04%
1.67%
13.81%
5.88%
-0.42%
1.80%
-25.01%
18.71
6.50
-0.28
1.08
-10.78
-8.09
-0.92
-0.44
0.37
-0.36
E.Other items
G.Liquidity ratios
106
2012
30
25
20
Billion Rs.
50%
35%
20%
-6%
-9%
-10%
15
-40%
10
-70%
-100%
Total Equity
Total
Liabilities
Total Assets
FY 11
20.7
0.6
25.9
FY 12
18.9
0.8
24.3
Growth
-9%
35%
-6%
in FY11.
Certificate holders equity declined by
30.0
Billion Rs.
25.0
0.6
0.9
others
20.0
Investments
15.0
23.4
21.1
1.8
2.3
FY 11
FY 12
10.0
5.0
0.0
107
ANALYSIS OF PROFITABILITY
6.0
-8%
5.0
income
side,
total
income
3.0
2.0
0.0
Interest
Income
Dividend
Income
FY 11
5.0
0.5
1.4
FY 12
3.3
0.5
1.3
1.6
-35%
-15%
-8%
-50%
Growth
1.00
0.03
0.18
0.54
0.48
FY 11
FY 12
0.50
Others
0.02
0.14
0.00
adviser
3.1
Composition of Expenses
management/
0%
-5%
-10%
-15%
-20%
-25%
-30%
-35%
-40%
-45%
-50% -50%
Other
Income
Total
Income
-35%
1.0
-15%
4.0
Billion Rs.
On
2012
Profitability/Efficiency Ratios
100%
90%
80%
86.2%
79.2%
73.0%
65.5%
70%
60%
50%
FY 11
40%
FY 12
30%
16.7%
10.7%
20%
10%
0%
ROR
108
ROA
MER
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
44,087,199
26,147,432
25,501,548
20,702,164
18,915,952
31,455,897
30,670,643
27,991,275
19,278,186
17,982,787
2.Reserves
3,853,662
1,470,976
2,010,049
2,116,202
1,641,820
3.Unappropriated profit/loss
8,777,640
(5,994,187)
(4,499,776)
4.Others
5,162,631
4,310,912
4,653,700
4,587,609
4,597,282
607,003
510,262
1,041,484
566,053
764,055
148,037
109,447
1,305,019
47,052
51,268
(692,224)
(708,655)
458,966
400,815
(263,535)
519,001
712,787
49,856,833
30,968,606
31,196,732
25,855,826
24,277,289
5,340,247
3,898,511
2,680,736
1,847,173
2,279,109
43,359,823
25,980,030
26,820,367
23,432,320
21,073,678
1,156,763
1,090,065
1,695,629
576,333
924,502
1,518,537
(12,401,221)
4,071,221
5,012,055
3,270,507
781,834
833,365
828,552
548,862
464,914
1,758,182
1,566,546
1,180,212
1,363,218
1,253,632
2.Others
2.Investments
3.Others
(15,000)
3,566
2,066,257
(4,529,115)
935,685
920,399
412,914
(3,376,571)
(5,888,409)
(1,360,940)
461,407
413,257
267,513
(4,045,573)
2,463,123
1,734,608
775,138
36,322
(341,601)
24,589
(16,439)
(49,348)
1,449,582
1,593,046
1,073,612
691,772
678,986
1,141,061
684,830
664,963
505,178
444,878
45,480
33,104
31,607
23,752
22,288
36,584
11,325
16,462
8,794
8,613
201,774
847,159
336,536
135,573
175,333
24,683
16,628
24,044
18,475
27,874
(13,994,267)
2,997,609
4,320,283
2,591,521
3,143,114
2,872,868
2,003,867
1,874,328
68,955
3,205,297
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(2,120,718)
(632,206)
-67.27%
119.35%
50.66%
61.85%
47.45%
-0.99%
-0.03%
0.00%
0.00%
0.00%
1,321,816
1,105,290
N/A
N/A
2,738,095
4.54%
112.85%
73.63%
86.20%
79.24%
0.14%
-45.19%
9.61%
16.71%
10.67%
78.72%
42.99%
61.94%
73.03%
65.52%
9.81
9.76
9.74
9.62
9.59
0.02
-4.45
1.04
2.16
1.38
10.71%
12.59%
8.59%
7.14%
9.39%
1.22%
1.65%
3.34%
2.19%
3.15%
63.09%
99.04%
89.73%
74.56%
74.07%
0.05
0.44
0.26
1.06
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
2.Total liabilities to total assets (B/C)
109
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
795,973
488,553
634,569
645,077
745,644
900,000
900,000
900,000
900,000
900,000
17,795
(62,351)
(121,822)
(349,096)
(265,431)
(254,923)
0
(154,356)
14,883
2,027
5,160
2,545
3,070
1,493
838
1,050
1,089
1,445
13,390
1,189
4,110
1,456
1,625
810,856
490,580
639,729
647,622
748,714
26,068
2,805
97,700
2,923
59,586
748,744
485,037
536,162
635,911
682,761
36,044
2,738
5,867
8,788
6,367
35,503
(138,533)
177,934
2.Others
2.Investments
3.Others
101,444
101,012
11,488
12,669
3,437
25,558
22,062
15,503
26,510
37,033
(2,050)
0
(162,473)
0
116,881
42,745
27,078
(42,429)
19,065
110,386
11,995
1,878
23
25,732
77,166
20,354
16,704
17,967
17,799
10,744
13,101
13,179
14,485
699
656
601
634
1,216
1,347
4,616
65,490
6,580
1,708
1,501
5.Other
3,317
233
17
(215,699)
81,090
84,308
159,967
3.Brokerage-commission /fee
9,771
90,000
90,000
90,000
90,000
90,000
2.Cash dividend
0.00%
0.00%
8.20%
6.60%
6.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(186,085)
(24,263)
94,895
(94,777)
56,663
28.01%
115.93%
73.39%
61.21%
77.26%
0.00%
0.00%
0.00%
0.00%
0.00%
27.52%
155.70%
79.94%
83.46%
89.90%
1.21%
-43.97%
12.68%
13.02%
21.37%
69.17%
13.92%
64.37%
78.90%
80.62%
10.00
10.00
10.00
10.00
10.00
0.11
-2.40
0.90
0.94
1.78
3.21%
0.57%
15.27%
0.45%
7.96%
1.84%
0.41%
0.81%
0.39%
0.41%
110.99%
183.46%
140.68%
138.97%
120.21%
-19.04
0.11
1.17
-1.12
0.35
I.Liquidity ratios
110
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
592,196
282,816
348,806
472,946
483,442
525,000
525,000
525,000
525,000
525,000
67,196
3.Unappropriated profit/loss
2012
(242,184)
(176,194)
(52,054)
(41,558)
(157)
(3,377)
(38,414)
(59,789)
8,298
2,506
5,913
9,646
8,404
2,314
690
551
679
576
5,984
1,816
5,362
8,967
7,828
600,494
285,165
351,342
444,178
432,057
76,653
55,973
34,072
16,087
11,509
512,303
226,189
306,439
419,914
409,173
11,538
3,003
10,831
8,177
11,375
90,620
2.Others
2.Investments
3.Others
(258,159)
77,754
147,383
a.Markup/interest income
10,961
5,813
3,166
5,483
3,272
b.Dividend income
49,212
18,348
12,944
38,110
32,055
1.Income (a to g)
9,327
(11,908)
5,848
27,367
15,862
(23,795)
(270,412)
55,002
66,914
39,231
g.Other income
794
9,509
200
17,784
11,847
11,763
12,542
13,165
14,303
10,136
8,340
6,960
7,220
958
629
636
740
752
839
160
175
227
173
1,684
922
2,612
4,615
5,020
27,921
(270,006)
65,991
134,841
77,455
52,500
52,500
52,500
52,500
52,500
2.Cash dividend
0.00%
0.00%
2.20%
15.00%
9.00%
0.00%
0.00%
0.00%
0.00%
0.00%
34,852
22,601
(15,802)
20,977
83,240
-31.66%
109.36%
79.28%
70.42%
61.02%
0.00%
0.00%
0.00%
0.00%
0.00%
61.09%
104.59%
84.87%
91.49%
85.47%
4.65%
-94.68%
18.78%
30.36%
17.93%
80.43%
85.56%
70.90%
55.49%
54.84%
10.00
10.00
10.00
10.00
10.00
0.53
-5.14
1.26
2.57
1.48
12.76%
19.63%
9.70%
3.62%
2.66%
1.38%
0.88%
1.68%
2.17%
1.95%
87.43%
184.10%
149.43%
118.20%
121.51%
1.25
-0.08
-0.24
0.16
1.07
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
2.Total liabilities to total assets (B/C)
111
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
337,605
203,306
231,229
257,219
277,799
300,000
300,000
300,000
300,000
300,000
37,605
(96,694)
(68,771)
(42,781)
(22,201)
10,964
6,952
13,857
16,081
8,428
7,436
4,144
4,879
5,009
5,297
3,528
2,808
8,978
11,072
3,131
348,569
210,258
245,086
273,300
286,227
8,752
7,954
70,443
36,187
5,656
336,537
195,890
172,919
232,307
280,234
3,280
6,414
1,724
4,806
337
(30,743)
(126,751)
42,193
42,219
34,024
1,365
3,981
10,231
14,309
13,650
13,090
10,125
12,126
11,984
23,516
(98,205)
37,839
21,975
13,224
(71,012)
(43,001)
(9,752)
(2,692)
(5,493)
3,103
579
10,847
7,070
13,257
13,486
12,783
7,436
4,144
4,879
5,009
5,297
406
364
1,444
1,465
1,302
3.Brokerage-commission /fee
461
482
2,562
6,934
6,551
5,702
3,005
5.Other
(41,590)
(133,821)
28,936
28,733
21,241
35,000
30,000
30,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
6.50%
0.00%
0.00%
0.00%
0.00%
0.00%
(12,043)
(797,303)
62,488
(34,256)
(30,531)
144.40%
111.40%
66.57%
47.05%
22.72%
0.00%
0.00%
0.00%
0.00%
0.00%
62.43%
135.28%
105.58%
68.58%
68.06%
-11.93%
-63.65%
11.81%
10.51%
7.42%
58.61%
36.80%
37.14%
41.44%
68.55%
8.57
10.00
10.00
10.00
10.00
-1.19
-4.46
0.96
0.96
0.71
2.51%
3.78%
28.74%
13.24%
1.98%
3.15%
3.31%
5.65%
5.88%
2.94%
86.07%
142.68%
122.41%
109.77%
104.81%
0.29
5.96
2.16
-1.19
-1.44
I.Liquidity ratios
112
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
752,467
520,984
484,679
549,713
495,748
580,750
580,750
580,750
580,750
580,750
171,717
(59,766)
(96,071)
(31,037)
(85,002)
6,590
4,115
2,675
4,194
7,306
1,830
1,289
768,377
935
934
4,760
2,826
(765,702)
3,259
6,372
759,057
525,099
487,354
553,907
503,054
35,295
25,610
57,811
26,310
16,807
709,017
473,076
413,327
515,057
476,041
14,745
26,413
16,216
12,540
10,206
2.Others
2.Investments
3.Others
(198,915)
(17,159)
80,291
(19,252)
a.Markup/interest income
19,903
39,950
35,148
31,016
45,881
b.Dividend income
12,421
11,167
11,924
9,222
7,895
10,144
(4,144)
(59,275)
(74,375)
44,197
(13,753)
1.Income (a to g)
(105,574)
(122,098)
130,808
(127,934)
9,828
31,839
20,953
19,147
15,257
15,548
24,113
17,389
13,613
10,753
10,348
2.Remuneration to trustees/custodians
1,118
939
890
903
888
3.Brokerage-commission /fee
4,940
1,415
3,198
788
1,231
1,668
1,210
1,446
2,813
3,081
f.Capital gain
g.Other income
5.Other
35,547
(219,868)
(36,306)
65,034
(34,800)
58,075
58,075
58,075
58,075
58,075
2.Cash dividend
0.00%
0.00%
0.00%
3.30%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
9,435
(9,684)
32,200
(31,501)
(9,503)
52.03%
125.70%
374.33%
49.88%
379.33%
0.00%
0.00%
0.00%
0.00%
0.00%
52.75%
110.53%
211.59%
81.00%
180.76%
4.68%
-41.87%
-7.45%
11.74%
-6.92%
75.73%
71.10%
70.48%
66.56%
82.99%
10.00
10.00
10.00
10.00
10.00
0.61
-3.79
-0.63
1.12
-0.60
4.65%
4.88%
11.86%
4.75%
3.34%
0.87%
0.78%
0.55%
0.76%
1.45%
76.51%
110.60%
119.16%
104.85%
115.44%
0.27
0.04
-0.89
-0.48
0.27
I.Liquidity ratios
113
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,237,941
831,434
968,463
767,225
763,012
675,993
760,492
760,492
760,492
760,492
21,499
9,751
6,175
6,733
2,520
540,449
61,191
201,796
195,843
371,934
34,883
13,663
13,611
49,883
25,117
2,086
1,575
2,095
2,161
1,824
32,797
12,088
11,516
47,722
23,293
1,272,824
845,097
982,074
1,012,951
1,160,063
56,208
280,115
9,898
10,047
14,569
1,203,832
545,849
968,766
936,117
1,136,933
12,784
19,133
3,410
66,787
8,561
323,130
(374,128)
179,751
150,680
a.Markup/interest income
14,242
29,419
25,792
8,422
4,682
b.Dividend income
48,723
39,639
43,545
48,649
54,725
1.Income (a to g)
112,428
(238,469)
(64,499)
(10,459)
93,989
(105,356)
(207,810)
174,913
102,727
169,734
3,093
1,341
34,846
20,631
39,146
27,349
32,965
25,768
16,560
20,095
19,661
18,157
812
465
705
590
632
3.Brokerage-commission /fee
6,206
1,753
5,491
598
812
2,060
1,853
12,855
6,500
13,364
f.Capital gain
g.Other income
5.Other
35,191
(394,759)
140,605
123,331
290,165
122,907
152,098
152,098
152,098
152,098
2.Cash dividend
0.00%
0.00%
0.00%
15.00%
24.00%
0.00%
0.00%
0.00%
0.00%
0.00%
54,851
234,138
(280,172)
127,864
117,039
10.10%
118.46%
61.43%
62.12%
81.62%
0.00%
0.00%
0.00%
0.00%
0.00%
50.25%
105.51%
78.22%
81.85%
89.80%
2.76%
-46.71%
14.32%
12.18%
25.01%
73.95%
80.27%
51.33%
71.89%
55.08%
5.50
5.00
5.00
5.00
5.00
0.29
-2.60
0.92
0.81
1.91
4.42%
33.15%
1.01%
0.99%
1.26%
2.74%
1.62%
1.39%
4.92%
2.17%
53.11%
89.99%
77.44%
75.08%
65.56%
1.56
-0.59
-1.99
1.04
0.40
I.Liquidity ratios
114
JS Growth Fund
Items
A.Total equity (A1 to A3)
1.Certificate holders equity
2.Reserves
3.Unappropriated profit/loss
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
5,174,398
2,892,841
2,760,140
3,180,705
3,392,424
3,180,044
3,180,044
3,180,044
3,180,044
3,180,045
506,438
506,438
506,438
506,438
506,437
1,487,916
(793,641)
(926,342)
(505,777)
(294,058)
87,827
(469)
135,436
(145,936)
(156,869)
118,896
62,417
62,544
67,011
74,889
9,510
5,304
968
714
5,888
109,386
57,113
61,576
66,297
69,001
5,381,121
2,954,789
2,958,120
3,101,780
3,310,444
336,439
704,134
738,045
82,152
844,843
5,006,067
2,224,507
2,188,255
2,863,246
2,351,324
38,615
26,148
31,820
156,382
114,277
582,862
1.Income (a to g)
a.Markup/interest income
b.Dividend income
(1,603,098)
171,614
733,167
50,525
78,858
71,973
44,701
47,120
195,864
155,186
117,566
184,340
216,929
(18,642)
(840,680)
134,223
423,338
179,599
(497,446)
(996,879)
(153,887)
80,788
139,214
f.Capital gain
g.Other income
417
1,739
149,884
678,459
148,063
98,287
88,875
116,534
62,198
66,425
61,817
57,693
4,259
2,722
2,849
2,711
2,583
5,827
2,954
3,155
2,936
2,712
18,160
608,230
73,243
26,875
22,402
5,104
2,355
2,391
3,948
3,485
(419,583)
(2,281,557)
23,551
634,880
493,987
318,004
318,004
315,696
318,004
318,005
2.Cash dividend
0.00%
0.00%
11.50%
0.00%
0.00%
0.00%
(646,759)
413,864
205,891
(305,737)
1,044,355
191.36%
114.60%
-10.44%
68.76%
54.70%
0.00%
0.00%
0.00%
0.00%
0.00%
3.Brokerage-commission /fee
4.Administrative and general expenses
5.Other
155.57%
142.32%
13.72%
86.59%
84.75%
-7.80%
-77.22%
0.80%
20.47%
14.92%
77.75%
9.17%
44.86%
62.89%
64.91%
10.00
10.00
10.07
10.00
10.00
-1.32
-7.17
0.07
2.00
1.55
6.25%
23.83%
24.95%
2.65%
25.52%
2.21%
2.11%
2.11%
2.16%
2.26%
59.10%
107.62%
107.50%
102.52%
96.06%
1.54
-0.18
8.74
-0.48
2.11
I.Liquidity ratios
115
(Thousand Rupees)
2011
2012
2008
2009
2010
2,654,320
1,238,901
1,004,473
1,205,768
1,362,727
1,185,750
1,185,750
1,185,750
1,185,750
1,185,750
10,000
10,000
10,000
10,000
10,000
1,458,570
43,151
(191,277)
10,018
166,977
347
4.Others
2012
23,106
17,763
(1,571)
16,885
20,343
20,854
4,152
1,985
102
221
2,259
18,954
15,778
16,783
20,122
18,595
2,677,773
1,255,093
1,021,358
1,226,111
1,383,581
758,217
288,313
79,565
67,159
303,541
1,908,853
959,730
934,113
1,148,780
1,057,723
10,703
7,050
7,680
10,172
22,317
(1,255,689)
(54,766)
308,390
217,796
a.Markup/interest income
81,403
54,303
25,588
12,556
18,279
b.Dividend income
28,134
43,563
46,188
64,609
85,068
1.Income (a to g)
538,761
(673,017)
115,167
58,293
47,886
273,978
(680,538)
(241,709)
172,932
66,563
f.Capital gain
g.Other income
64,271
41,154
61,087
47,809
37,121
50,943
31,125
24,801
23,312
24,309
3,525
2,534
2,218
2,143
2,207
2,547
6,351
4,949
32,610
20,447
9,023
905
2,546
1,458
1,907
1,582
858,005
(1,296,843)
(115,853)
260,581
180,675
118,575
118,575
118,575
118,575
118,575
2.Cash dividend
0.00%
10.00%
10.00%
7.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
333,551
(302,428)
(109,440)
44,966
261,008
88.12%
107.79%
231.06%
74.98%
52.55%
0.00%
0.00%
0.00%
0.00%
0.00%
5.Other
93.03%
103.28%
211.54%
84.50%
82.96%
32.04%
-103.33%
-11.34%
21.25%
13.06%
79.26%
75.63%
40.60%
48.76%
65.49%
10.00
10.00
10.00
10.00
-10.94
-0.98
2.20
1.52
28.32%
22.97%
7.79%
5.48%
21.94%
0.86%
1.42%
1.65%
1.66%
1.51%
44.28%
94.48%
116.10%
96.71%
85.70%
0.39
0.23
0.94
0.17
1.44
7.24
10.00
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
2.Total liabilities to total assets (B/C)
116
(Thousand Rupees)
2011
2012
2008
2009
2010
1,423,683
1,147,792
1,276,119
1,436,138
1,479,992
1,200,000
1,200,000
1,200,000
1,200,000
1,200,000
223,683
(52,208)
76,119
236,138
279,992
4.Others
2012
1,592
87,294
55,051
11,451
18,013
(4,949)
24,105
18,316
24,963
6,851
4,488
2,112
2,507
2,920
4,600
13,525
21,993
15,809
22,043
1,435,134
1,160,856
1,301,816
1,541,748
1,560,006
10,462
144,241
292,188
42,186
72,888
1,398,691
992,205
985,810
1,465,941
1,470,386
25,981
24,410
23,818
33,621
16,732
(117,193)
289,304
254,036
292,934
a.Markup/interest income
67,825
64,797
72,337
89,560
88,093
b.Dividend income
38,248
46,319
60,298
56,620
54,712
1.Income (a to g)
(15,000)
67,904
(129,163)
111,298
107,302
160,189
(88,141)
(99,146)
54,564
12,054
12,871
f.Capital gain
g.Other income
53,319
45,271
2.Remuneration to trustees/custodians
(9,193)
(11,500)
(22,931)
38,698
40,977
28,017
39,080
32,550
31,114
28,069
29,108
1,688
1,356
1,504
1,596
1,641
3.Brokerage-commission /fee
3,169
2,670
826
3,191
2,122
7,533
5.Other
220
(1,868)
350
7,981
17,517
(155,891)
248,327
226,019
253,854
120,000
120,000
120,000
120,000
120,000
2.Cash dividend
0.00%
0.00%
15.50%
19.00%
19.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(211,039)
249,207
260,050
(182,020)
235,863
-49.74%
194.81%
54.15%
42.46%
51.25%
-21.18%
0.00%
0.00%
0.00%
0.00%
24.73%
133.02%
85.84%
88.97%
86.66%
1.22%
-13.43%
19.08%
14.66%
16.27%
84.91%
84.11%
75.93%
100.19%
74.48%
10.00
10.00
10.00
10.00
10.00
0.15
-1.30
2.07
1.88
2.12
0.73%
12.43%
22.44%
2.74%
4.67%
0.80%
1.55%
1.85%
1.19%
1.60%
83.62%
103.37%
92.18%
77.83%
76.92%
-1.60
1.05
-0.81
0.93
I.Liquidity ratios
117
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
1,011,363
721,808
671,964
757,930
782,285
1,000,000
1,000,000
1,000,000
1,000,000
1,080,000
11,363
3.Unappropriated profit/loss
2012
(278,192)
(328,036)
(242,070)
(297,715)
7,438
6,197
8,277
8,536
17,350
8,661
15,383
10,870
8,978
9,750
3,595
2,904
3,735
1,544
7,600
5,066
12,479
7,135
7,434
1,036,151
730,469
693,544
777,077
799,799
33,924
24,985
126,688
171,524
70,560
2.Investments
837,373
625,517
557,838
597,937
545,032
3.Others
164,854
79,967
9,018
7,616
184,207
2.Others
(261,998)
136,606
113,599
60,992
a.Markup/interest income
43,137
27,373
37,880
38,778
31,523
b.Dividend income
29,021
31,339
28,629
24,130
24,849
70,164
(177,579)
(79,417)
(47,055)
(68,052)
1.Income (a to g)
(126,937)
(94,701)
149,514
114,162
88,266
1,494
(48,430)
(16,416)
(15,594)
42,086
27,558
36,450
27,632
36,637
32,617
22,832
24,423
22,689
21,548
1,235
810
773
635
639
127
270
7,910
3,025
5,776
3,470
12,964
324
891
5,478
711
1,216
(25,207)
(289,556)
100,156
85,967
24,355
100,000
100,000
100,000
100,000
108,000
2.Cash dividend
0.00%
0.00%
15.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.00%
2.10%
(122,371)
(41,409)
216,295
45,608
(100,964)
-327.50%
122.41%
51.31%
44.62%
7.57%
0.00%
0.00%
0.00%
0.00%
0.00%
39.93%
-149.34%
110.52%
73.32%
75.68%
-2.43%
-39.64%
14.44%
11.06%
3.05%
77.50%
82.85%
67.00%
82.11%
58.81%
10.00
10.00
10.00
10.00
10.00
-0.25
-2.90
1.00
0.86
0.23
3.27%
3.42%
18.27%
22.07%
8.82%
1.67%
1.19%
2.22%
1.40%
1.12%
96.51%
136.90%
144.19%
128.69%
135.03%
4.85
0.14
2.16
0.53
-4.15
I.Liquidity ratios
118
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
1,070,563
859,159
925,613
1,059,643
992,787
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
(74,387)
59,643
70,563
3.Unappropriated profit/loss
2012
(140,841)
0
(7,213)
12,036
12,126
12,738
19,130
19,552
2,489
2,148
2,314
1,850
1,919
9,547
9,978
10,424
17,280
17,633
1,082,599
871,285
938,351
1,078,773
1,012,339
128,035
48,431
37,179
77,090
12,943
2.Investments
939,203
811,465
897,764
994,036
847,714
15,361
11,389
3,408
7,647
151,682
113,973
2.Others
3.Others
(111,597)
160,159
326,671
a.Markup/interest income
13,595
7,138
13,551
10,600
5,543
b.Dividend income
46,258
69,072
46,631
88,847
76,528
182,949
(128,877)
(39,530)
(71,109)
20,660
3,529
(148,277)
1.Income (a to g)
171,086
206,564
28,373
g.Other income
45,372
29,807
41,328
36,844
29,132
33,571
21,525
29,382
27,079
19,118
1,370
1,049
1,259
1,323
1,240
405
433
8,287
5,090
8,731
7,529
7,982
5.Other
2,144
2,143
1,956
508
359
68,553
(141,404)
118,831
289,827
84,841
100,000
100,000
100,000
100,000
100,000
2.Cash dividend
0.00%
0.00%
10.00%
25.00%
7.50%
0.00%
0.00%
0.00%
0.00%
0.00%
(300,262)
(10,768)
37,740
188,598
84,975
47.46%
168.29%
62.42%
69.56%
27.99%
0.00%
0.00%
0.00%
0.00%
0.00%
74.44%
3.Brokerage-commission /fee
60.17%
126.71%
74.20%
88.72%
6.33%
-16.23%
12.66%
26.87%
8.38%
73.99%
72.21%
71.09%
73.50%
65.63%
10.00
10.00
10.00
10.00
10.00
0.69
-1.41
1.19
2.90
0.85
11.83%
5.56%
3.96%
7.15%
1.28%
1.11%
1.39%
1.36%
1.77%
1.93%
92.37%
114.77%
106.57%
92.70%
98.78%
-4.38
0.08
0.32
0.65
1.00
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
2.Total liabilities to total assets (B/C)
119
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
8,291,928
3,530,357
3,944,740
4,764,800
4,245,074
2,835,000
2,835,000
2,835,000
2,835,000
2,835,000
2.Reserves
3,124,897
989,777
1,419,467
1,395,722
1,089,638
3.Unappropriated profit/loss
2,332,031
(294,420)
534,078
320,436
4.Others
2,992,500
2,990,500
2,992,500
2,992,500
2,992,500
109,291
103,569
196,762
184,318
346,537
18,807
10,871
11,562
12,929
13,993
Items
A.Total equity (A1 to A3)
(309,727)
90,484
92,698
185,200
171,389
332,544
11,393,719
6,624,426
7,134,002
7,941,618
7,584,111
867,546
296,840
246,157
453,731
276,495
10,461,354
6,281,453
6,802,156
7,367,007
7,059,493
64,819
46,133
85,689
120,880
248,123
732,127
(2,176,540)
769,108
1,420,959
68,340
53,639
101,587
65,146
37,401
465,982
442,192
244,075
460,178
415,801
184,399
1.Income (a to g)
a.Markup/interest income
b.Dividend income
(1,009,969)
(673,200)
(480,082)
44,791
(53,416)
f.Capital gain
(2,013,978)
903,509
850,844
332,341
g.Other income
14,807
19
307,733
166,411
206,156
198,326
212,450
249,134
134,143
151,707
155,191
141,231
7,603
4,729
5,168
5,255
4,906
45,795
23,209
44,978
33,501
61,838
5,201
4,330
4,303
4,379
4,475
(598,981)
(2,342,951)
562,952
1,222,633
519,677
283,500
283,500
283,500
283,500
283,500
2.Cash dividend
0.00%
0.00%
20.00%
38.00%
17.50%
0.00%
0.00%
0.00%
0.00%
0.00%
973,177
(281,691)
511,400
560,007
539,800
283.46%
122.78%
55.06%
63.03%
38.10%
0.00%
0.00%
0.00%
0.00%
0.00%
70.98%
3.Brokerage-commission /fee
4.Administrative and general expenses
5.Other
205.66%
107.65%
73.20%
86.04%
-5.26%
-35.37%
7.89%
15.40%
6.85%
80.96%
80.61%
73.59%
78.25%
66.48%
10.00
10.00
10.00
10.00
10.00
-2.11
-8.26
1.99
4.31
1.83
7.61%
4.48%
3.45%
5.71%
3.65%
0.96%
1.56%
2.76%
2.32%
4.57%
24.88%
42.80%
39.74%
35.70%
37.38%
-1.62
0.12
0.91
0.46
1.04
I.Liquidity ratios
120
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,944,741
1,677,360
1,828,357
2,072,994
1,957,966
2,841,250
2,841,250
2,841,250
2,841,250
2,841,250
225
225
225
225
103,266
(1,164,115)
(1,013,118)
2,121,000
1,334,801
1,499,878
1,499,300
1,387,141
76,448
74,919
150,225
120,220
196,823
8,442
5,020
5,547
5,954
6,467
(768,481)
225
(883,509)
68,006
69,899
144,678
114,266
190,356
5,142,189
3,087,080
3,478,460
3,692,514
3,541,930
425,377
195,804
187,823
238,064
160,891
4,684,995
2,852,840
3,248,518
3,376,328
3,267,605
31,817
38,436
42,119
78,122
113,434
347,065
(1,187,175)
402,586
709,473
37,218
28,938
58,058
36,871
21,276
194,769
194,800
126,913
216,046
197,514
179,034
1.Income (a to g)
a.Markup/interest income
b.Dividend income
(518,426)
(401,392)
(269,243)
(389)
(28,080)
f.Capital gain
(1,017,195)
486,850
456,945
156,355
g.Other income
7,674
144,199
80,206
103,545
97,438
102,036
111,802
62,426
71,816
71,887
64,904
4,170
2,748
3,029
3,032
2,822
24,131
11,700
24,805
17,736
19,825
4,096
3,332
3,895
4,783
14,485
(251,604)
(1,267,381)
299,041
612,035
245,029
284,125
284,125
284,125
284,125
284,125
2.Cash dividend
0.00%
0.00%
10.00%
20.00%
8.00%
0.00%
0.00%
0.00%
0.00%
0.00%
628,795
(227,214)
133,363
401,816
274,992
315.99%
118.85%
54.05%
64.35%
36.96%
0.00%
0.00%
0.00%
0.00%
0.00%
70.60%
3.Brokerage-commission /fee
4.Administrative and general expenses
5.Other
234.26%
106.76%
74.28%
86.27%
-4.89%
-41.05%
8.60%
16.58%
6.92%
77.53%
77.83%
69.36%
73.78%
63.61%
10.00
10.00
10.00
10.00
10.00
-0.89
-4.46
1.05
2.15
0.86
8.27%
6.34%
5.40%
6.45%
4.54%
1.49%
2.43%
4.32%
3.26%
5.56%
55.25%
92.04%
81.68%
76.95%
80.22%
-2.50
0.18
0.45
0.66
1.12
I.Liquidity ratios
121
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,103,750
1,120,468
1,128,690
1,136,053
1,142,894
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
103,750
120,468
128,690
136,053
142,894
10,970
(36,810)
(16,272)
(11,255)
(1,222)
9,190
7,614
9,206
10,737
11,581
7,639
6,024
3,438
2,773
1,349
1,551
1,590
5,768
7,964
10,232
1,123,910
1,091,272
1,121,624
1,135,535
1,153,253
254,595
25,386
317,413
347,618
368,179
2.Investments
833,058
1,019,328
778,421
760,974
754,189
36,257
46,558
25,790
26,943
30,885
120,221
126,464
131,176
131,632
130,683
115,526
153,722
142,207
144,911
140,933
b.Dividend income
(13,140)
(9,329)
(17,329)
(659)
1,952
(14,262)
(1,702)
4,050
1,432
f.Capital gain
2,415
328
144
(11,023)
18,273
19,746
26,904
20,499
22,112
13,464
13,342
13,478
13,386
16,046
1,230
1,328
1,338
1,332
1,361
2.Others
3.Others
g.Other income
191
108
210
277
394
3,353
4,759
7,531
3,265
2,039
35
209
4,347
2,239
2,272
101,948
106,718
104,272
111,133
108,571
10,000
100,000
100,000
100,000
100,000
2.Cash dividend
0.00%
9.61%
10.38%
10.17%
10.18%
0.00%
0.00%
0.00%
0.00%
0.00%
38,491
(114,209)
388,077
133,975
122,275
3.Brokerage-commission /fee
4.Administrative and general expenses
5.Other
3.91%
-21.55%
-8.41%
-10.09%
-7.84%
0.00%
0.00%
0.00%
0.00%
0.00%
83.08%
84.80%
84.39%
79.49%
84.43%
9.07%
9.78%
9.30%
9.79%
9.41%
73.68%
67.57%
50.10%
65.30%
72.57%
100.00
10.00
10.00
10.00
10.00
10.19
1.07
1.04
1.11
1.09
22.65%
2.33%
28.30%
30.61%
31.93%
0.82%
0.70%
0.82%
0.95%
1.00%
88.98%
91.64%
89.16%
88.06%
86.71%
0.38
-1.07
3.72
1.21
1.13
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
2.Total liabilities to total assets (B/C)
122
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
884,832
533,528
682,498
661,979
768,168
544,500
544,500
544,500
544,500
544,500
2.Reserves
105,678
(6,435)
33,000
33,000
33,000
3.Unappropriated profit/loss
234,654
(4,537)
104,998
84,479
190,668
Items
A.Total equity (A1 to A3)
4.Others
7,687
1,934
2,252
2,338
2,737
1,706
915
1,129
1,118
1,464
5,981
1,019
1,123
1,220
1,273
892,519
535,462
684,750
664,317
770,905
13,066
1,381
100,373
995
60,637
846,114
529,901
579,764
658,398
704,901
33,339
4,180
4,613
4,924
5,367
6,554
(170,271)
130,886
95,835
185,529
1,427
1,731
389
12,249
3,165
31,549
24,816
18,558
27,177
38,518
2.Others
2.Investments
3.Others
3,566
110,830
(112,820)
148,272
45,539
29,010
(144,856)
(89,352)
(47,083)
10,845
114,836
7,604
1,788
10,750
25
28,754
55,308
21,351
17,255
18,356
20,933
11,812
14,119
13,800
14,893
2.Remuneration to trustees/custodians
1,471
804
687
613
651
3.Brokerage-commission /fee
1,254
573
671
656
359
5,044
41,950
5,864
2,186
2,453
52
169
10
f.Capital gain
g.Other income
5.Other
(22,200)
(225,579)
109,535
78,580
167,173
54,450
54,450
54,450
54,450
54,450
2.Cash dividend
0.00%
0.00%
18.20%
10.00%
0.00%
0.00%
0.00%
0.00%
(85,812)
(9,069)
98,992
(99,378)
59,642
-403.14%
115.59%
85.52%
58.86%
77.53%
0.00%
-2.09%
0.00%
0.00%
0.00%
-338.72%
132.48%
83.69%
82.00%
90.11%
-2.49%
-42.13%
16.00%
11.83%
21.69%
72.80%
21.36%
66.13%
79.98%
81.13%
10.00
10.00
10.00
10.00
10.00
-0.41
-4.14
2.01
1.44
3.07
1.46%
0.26%
14.66%
0.15%
7.87%
0.86%
0.36%
0.33%
0.35%
0.36%
61.01%
101.69%
79.52%
81.96%
70.63%
3.87
0.04
0.90
-1.26
0.36
I.Liquidity ratios
123
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
36,231
20,921
24,006
26,659
25,990
50,000
50,000
50,000
50,000
50,000
(13,769)
(29,079)
(25,994)
(23,341)
(24,010)
2,645
1,166
2,658
3,188
3,398
4,081
4,816
1,529
2,049
2,047
2,551
3,389
1,129
1,139
1,351
1,530
1,427
41,534
25,275
27,404
30,740
30,806
39
38
41,306
24,967
26,734
30,100
30,169
189
301
632
633
632
90
(14,613)
3,808
3,414
20
119
375
48
21
(14,732)
1.Income (a to g)
a.Markup/interest income
b.Dividend income
(8,335)
3,433
3,366
69
g.Other income
1,119
696
724
766
759
868
502
503
532
521
30
30
30
30
35
45
50
251
163
156
159
158
(9,434)
(15,309)
3,084
2,648
(669)
5,000
5,000
5,000
5,000
5,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
832
530
214
(761)
(759)
100.24%
100.81%
90.15%
98.59%
76.67%
0.00%
0.00%
0.00%
0.00%
0.00%
3.Brokerage-commission /fee
4.Administrative and general expenses
5.Other
113.46%
104.76%
80.99%
77.56%
-743.33%
-22.71%
-60.57%
11.25%
8.61%
-2.17%
72.13%
69.48%
69.45%
68.64%
77.57%
10.00
10.00
10.00
10.00
10.00
-1.89
-3.06
0.62
0.53
-0.13
I.Liquidity ratios
1.Cash & cash equivalent to total assets (C1/C)
0.09%
0.03%
0.14%
0.02%
0.02%
6.40%
12.61%
12.40%
13.28%
15.63%
120.38%
197.82%
182.46%
162.65%
162.31%
-0.09
-0.03
0.07
-0.29
1.13
124
2012
MODARABA COMPANIES
PERFORMANCE AT A GLANCE
Modaraba Companies performed well during FY12. Total assets increased from Rs. 26.4 billion in
FY11 to Rs 29.5 billion in FY12 showing an increase of 12.1 percent. Total equity witnessed an
increase of 4.0 percent in FY12 over FY11. Profit before and after taxation increased by 16.3 percent
& 16.2 percent respectively in FY12 over FY11.
35.0
Billion Rs.
30.0
15.5%
25.0
20.0
15.0
10.0
0.0
4.0%
5.0
Total
Equity
Total
Liabilities
Total
Assets
FY 11
12.3
13.9
26.4
FY 12
12.8
16.1
29.5
Growth
4.0%
15.5%
12.1%
18.0%
16.0%
14.0%
12.1% 12.0%
10.0%
8.0%
6.0%
4.0%
2.0%
0.0%
Operating Profit
Gross Revenue
15
Billion Rs.
Operating Expenses
10
4.6
1.3
5
0
5.1
1.7
5.9
6.8
FY 11
FY 12
increased to Rs 1.3 billion in FY12 as compared to Rs 1.2 billion in FY11, recording an increase of
125
2012
16.3 percent in FY12 over FY11. Similarly, profit after taxation also increased from Rs 1.1 billion in
FY11 to Rs 1.3 billion in FY12 registering an increase of 16.2 percent.
Return on assets (ROA), return on equity (ROE)
FY 12
FY 11
4.43%
ROA
4.28%
7.93%
ROCE
7.20%
10.23%
ROE
0%
9.16%
2%
4%
6%
8%
per certificate increased from Rs 12.62 per certificate to Rs. 12.93 per certificate in FY12.
126
10%
12%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
10,890,240
10,884,303
11,441,371
12,306,106
12,802,384
1.Certificate capital
7,422,645
8,439,418
8,439,418
8,746,249
8,896,249
2.Reserves
3,682,816
3,579,654
4,222,106
4,751,287
5,134,727
(1,134,769)
(1,220,153)
(1,191,430)
(1,228,592)
Items
A.Total equity (A1 to A3)
(215,221)
3.Unappropriated profit
4.Others
498,561
(43,741)
47,715
113,519
642,613
17,278,012
12,268,904
13,003,729
13,939,985
16,104,496
10,139,280
7,935,406
9,445,512
10,295,595
12,584,957
2.Non-current liabilities
7,138,732
4,333,498
3,558,217
3,644,390
3,519,539
28,666,813
23,109,466
24,492,815
26,359,610
29,549,493
1.Current assets (a + b)
13,697,734
9,851,812
11,249,533
11,479,593
11,816,231
1,252,489
1,012,494
1,171,444
1,177,701
1,452,169
12,445,245
8,839,318
10,078,089
10,301,892
10,364,062
14,969,079
13,257,654
13,243,282
14,880,017
17,733,262
a.Fixed assets
7,829,977
7,126,461
9,303,864
11,175,447
13,359,854
b.Long-term investments
4,012,698
4,132,557
2,257,698
2,258,441
2,673,393
3,126,404
1,998,636
1,681,720
1,446,129
1,700,015
1.Gross revenue(loss)
5,849,848
7,018,434
5,307,416
5,938,195
6,812,461
2.Operating expenses
1,907,021
2,235,409
1,212,053
1,317,325
1,707,964
3.Operating profit
3,473,593
4,783,025
4,098,893
4,620,870
5,104,497
35,417
56,255
72,513
96,573
98,550
870,025
1,176,272
799,640
1,156,633
1,344,595
852,807
1,164,251
780,585
1,127,182
1,309,244
843,061
944,739
944,739
975,422
990,422
E.Other items
1.No. of certificates (000)
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(692,866)
1,786,670
2,283,871
1,336,707
846,023
7.83%
10.70%
6.82%
9.16%
10.23%
4.70%
7.75%
5.31%
7.20%
7.93%
2.97%
5.04%
3.19%
4.28%
4.43%
14.58%
16.59%
14.71%
18.98%
19.22%
223.62%
192.00%
155.27%
116.87%
130.45%
1.86%
2.52%
5.98%
7.33%
5.77%
1.01
1.23
0.83
1.16
1.32
1.35
1.24
1.19
1.12
0.94
0.60
0.53
0.53
0.53
0.55
14.00%
17.88%
9.22%
8.57%
9.05%
37.99%
47.10%
46.71%
46.69%
43.33%
12.92
11.52
12.11
12.62
12.93
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-0.81
1.53
2.93
1.19
0.65
-0.07
0.23
0.24
0.13
0.07
G.Liquidity Ratios
127
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
313,462
296,968
308,442
328,213
329,985
210,000
210,000
210,000
210,000
210,000
2.Reserves
79,628
80,970
83,677
96,334
100,977
3.Unappropriated profit
23,834
5,998
14,765
21,879
19,008
(18,622)
(17,272)
(1,568)
(2,073)
(1,326)
34,996
21,844
23,995
23,293
25,638
27,556
13,418
17,674
17,560
17,730
1.Certificate capital
4.Others
7,440
8,426
6,321
5,733
7,908
329,836
301,540
330,869
349,433
354,297
1.Current assets (a + b)
205,998
204,296
253,921
264,975
264,613
2.Non-current liabilities
9,568
24,483
11,400
10,284
15,728
196,430
179,813
242,521
254,691
248,885
123,838
97,244
76,948
84,458
89,684
a.Fixed assets
76,032
42,064
43,338
34,944
32,897
b.Long-term investments
43,966
29,295
18,598
20,767
20,021
3,840
25,885
15,012
28,747
36,766
1.Gross revenue(loss)
67,348
65,620
41,055
45,015
39,647
2.Operating expenses
9,413
11,722
13,925
19,473
17,186
57,935
53,898
49,968
25,542
22,461
3,589
508
3,405
2,168
32,301
4,572
11,267
30,047
19,131
31,991
4,205
11,035
29,892
18,219
3.Operating profit
4.Modaraba co's management fees
E.Other items
21,000
21,000
21,000
21,000
21,000
10.00%
0.00%
5.00%
8.00%
8.00%
0.00%
0.00%
0.00%
0.00%
0.00%
7,086
74,367
(9,158)
53,269
106,311
10.21%
1.42%
3.58%
9.11%
5.52%
10.69%
1.59%
3.60%
9.05%
5.68%
9.70%
1.39%
3.34%
8.55%
5.14%
47.50%
6.41%
26.88%
66.40%
45.95%
29.42%
278.76%
126.19%
65.14%
94.33%
38.13%
4.33%
0.00%
17.49%
12.61%
1.52
0.20
0.53
1.42
0.87
7.48
15.23
14.37
15.09
14.92
0.11
0.07
0.07
0.07
0.07
13.33%
9.72%
5.62%
5.94%
5.65%
95.04%
98.48%
93.22%
93.93%
93.14%
14.93
14.14
14.69
15.63
15.71
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
0.22
17.69
-0.83
1.78
5.84
0.26
5.54
-0.52
3.03
6.00
G.Liquidity Ratios
128
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
871,680
1,059,652
1,212,946
1,572,838
1.Certificate capital
600,000
600,000
600,000
750,000
2.Reserves
177,942
316,928
461,075
560,471
3.Unappropriated profit
93,738
142,724
151,871
262,367
4.Others
90,000
90,000
90,000
90,000
311,177
361,219
807,850
1,048,232
1.Current liabilities
203,400
316,634
658,070
644,908
Items
A.Total equity (A1 to A3)
107,777
44,585
149,780
403,324
1,272,857
1,510,871
2,110,796
2,711,070
1.Current assets (a + b)
182,703
204,600
228,460
352,993
34,979
87,624
61,489
87,624
147,724
116,976
166,971
265,369
1,090,154
1,306,271
1,882,336
2,358,077
a.Fixed assets
980,382
1,219,700
1,799,334
2,189,223
b.Long-term investments
83,642
69,678
62,051
54,607
26,130
16,893
20,951
114,247
633,335
829,397
1,033,739
1,543,919
2.Operating expenses
383,415
491,197
654,912
948,701
3.Operating profit
249,920
338,200
378,827
595,218
8,597
7,392
4,988
176,141
277,973
288,294
498,792
176,141
277,973
288,294
498,792
2.Non-current assets (a + b + c)
E.Other items
1.No. of certificates (000)
60,000
60,000
60,000
75,000
2.Cash dividend
15.00%
22.50%
23.00%
30.00%
0.00%
0.00%
25.00%
10.00%
275,140
530,059
868,757
586,767
20.21%
26.23%
23.77%
31.71%
16.47%
23.28%
19.85%
24.14%
13.84%
18.40%
13.66%
18.40%
27.81%
33.52%
27.89%
32.31%
217.68%
176.71%
227.17%
190.20%
0.00%
1.75%
1.13%
0.53%
2.94
4.63
4.80
6.65
0.90
0.65
0.35
0.55
0.24
0.24
0.38
0.39
6.57%
4.61%
2.94%
2.01%
68.48%
70.14%
57.46%
58.02%
14.53
17.66
20.22
20.97
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
1.56
1.91
3.01
1.18
1.35
1.67
1.32
0.91
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
129
B.F. Modaraba
2012
2008
2009
2010
(Thousand Rupees)
2011
2012
87,379
91,058
94,461
111,953
106,988
1.Certificate capital
63,553
68,320
68,320
75,152
75,152
2.Reserves
15,108
16,212
17,232
23,354
25,856
3.Unappropriated profit
8,718
6,526
8,909
13,447
5,980
4.Others
5,933
557
7,760
15,551
8,340
3,279
8,688
2,439
5,960
5,387
3,158
8,521
2,193
2,930
2,329
Items
A.Total equity (A1 to A3)
121
167
246
3,030
3,058
96,591
100,303
104,660
133,464
120,715
1.Current assets (a + b)
95,048
99,061
103,685
118,469
111,033
25,109
15,491
8,008
17,645
11,958
69,939
83,570
95,677
100,824
99,075
1,543
1,242
975
14,995
9,682
a.Fixed assets
808
1,202
935
14,955
9,642
b.Long-term investments
735
40
40
40
40
1.Gross revenue(loss)
11,014
14,473
11,913
29,489
16,006
2.Operating expenses
1,845
2,201
2,523
2,955
3,532
3.Operating profit
9,169
12,272
9,390
26,534
12,474
847
811
624
2,263
731
7,626
7,064
5,438
20,369
6,583
6,846
3,679
3,403
17,491
6,307
2.Non-current liabilities
2.Non-current assets (a + b + c)
E.Other items
6,355
6,832
6,832
7,515
7,515
2.Cash dividend
0.00%
0.00%
0.00%
15.00%
5.00%
7.50%
0.00%
10.00%
0.00%
0.00%
10,527
(1,307)
(13,710)
9,767
10,214
7.83%
4.04%
3.60%
15.62%
5.90%
8.16%
7.70%
5.31%
15.60%
5.56%
7.09%
3.67%
3.25%
13.11%
5.22%
62.16%
25.42%
28.57%
59.31%
39.40%
26.95%
59.83%
74.14%
16.89%
56.00%
45.91%
36.85%
24.73%
76.58%
20.70%
1.08
0.54
0.50
2.33
0.84
30.10
11.63
47.28
40.43
47.67
0.03
0.09
0.02
0.04
0.04
0.76%
0.04%
0.04%
0.03%
0.03%
90.46%
90.78%
90.26%
83.88%
88.63%
13.75
13.33
13.83
14.90
14.24
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
1.54
-0.36
-4.03
0.56
1.62
3.33
-0.15
-6.25
3.33
4.39
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
2.Total liabilities to total assets (B/C) (times)
3.Long term investment to total assets (C2b/C)
130
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,396,251
823,262
662,028
703,731
713,402
1.Certificate capital
780,462
780,462
780,462
780,462
780,462
2.Reserves
539,522
544,522
544,522
565,374
523,824
76,267
(501,722)
(662,956)
(642,105)
(590,884)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
437,033
(82,842)
(29,134)
28,952
59,403
2,682,433
2,266,700
3,010,180
2,234,116
2,270,746
1.Current liabilities
1,541,160
1,104,517
1,976,529
1,085,777
1,323,147
4.Others
1,141,273
1,162,183
1,033,651
1,148,339
947,599
4,515,717
3,007,120
3,643,074
2,966,799
3,043,551
1.Current assets (a + b)
2,296,937
1,032,099
1,750,439
1,180,460
1,209,138
231,630
9,881
66,288
105,242
121,699
2,287,056
965,811
1,645,197
1,058,761
977,508
2,218,780
1,975,021
1,892,635
1,786,339
1,834,413
a.Fixed assets
986,678
505,989
289,635
578,976
728,509
b.Long-term investments
166,024
163,297
593,777
529,731
432,200
1,066,078
1,305,735
1,009,223
677,632
673,704
1.Gross revenue(loss)
921,625
557,006
631,419
614,992
424,245
2.Operating expenses
98,877
99,113
102,281
109,303
109,743
822,748
457,893
508,827
505,689
314,502
16,852
4,728
3,369
151,671
502,748
(161,234)
41,703
29,182
151,671
502,748
(161,234)
41,703
29,182
78,046
78,046
78,046
78,046
78,046
2.Cash dividend
9.00%
0.00%
0.00%
2.50%
1.80%
0.00%
0.00%
0.00%
0.00%
0.00%
492,751
497,007
421,836
321,609
285,403
10.86%
61.07%
-24.35%
5.93%
4.09%
5.10%
26.42%
-9.67%
2.22%
1.70%
3.36%
16.72%
-4.43%
1.41%
0.96%
16.46%
90.26%
-25.54%
6.78%
6.88%
65.19%
19.71%
-63.44%
262.10%
376.06%
17.04%
0.00%
0.00%
4.33%
3.07%
1.94
6.44
-2.07
0.53
0.37
1.49
0.93
0.89
1.09
0.91
0.59
0.75
0.83
0.75
0.75
3.68%
5.43%
16.30%
17.86%
14.20%
30.92%
27.38%
18.17%
23.72%
23.44%
17.89
10.55
8.48
9.02
9.14
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
3.25
0.99
-2.62
7.71
9.78
0.32
0.45
0.21
0.30
0.22
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
131
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
74,736
65,069
67,185
69,592
69,592
64,625
64,625
64,625
64,625
64,625
2.Reserves
5,927
5,928
6,350
6,832
6,832
3.Unappropriated profit
4,184
(5,484)
(3,790)
(1,865)
(1,865)
1.Certificate capital
4.Others
6,573
6,277
7,254
4,386
4,386
6,573
6,277
6,939
4,063
4,063
315
323
323
81,309
71,346
74,439
73,978
73,978
1.Current assets (a + b)
24,595
38,238
41,255
40,881
40,881
2.Non-current liabilities
21
86
240
1,084
1,084
24,574
38,152
41,015
39,797
39,797
56,714
33,108
33,184
33,097
33,097
714
108
70
39
39
b.Long-term investments
23,000
33,000
33,000
33,000
33,000
33,000
114
58
58
1.Gross revenue(loss)
4,357
3,854
6,457
7,271
7,271
2.Operating expenses
332
4,227
4,903
5,874
5,874
4,025
(373)
1,554
1,397
1,397
30
222
247
247
a.Fixed assets
3.Operating profit
4.Modaraba co's management fees
5.Profit/(loss) before taxation
301
(4,987)
2,223
2,471
2,471
301
(4,987)
2,117
2,405
2,405
E.Other items
6,462
6,462
6,462
6,462
6,462
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(17,078)
7,897
162
1,929
1,929
0.40%
-7.66%
3.15%
3.46%
3.46%
0.40%
-7.66%
3.29%
3.53%
3.53%
0.37%
-6.99%
2.84%
3.25%
3.25%
6.91%
-129.40%
32.79%
33.08%
33.08%
110.30%
-84.76%
231.60%
244.24%
244.24%
9.04%
0.00%
4.53%
4.20%
4.20%
0.05
-0.77
0.33
0.37
0.37
3.74
6.09
5.95
10.06
10.06
0.08
0.09
0.10
0.06
0.06
28.29%
46.25%
44.33%
44.61%
44.61%
91.92%
91.20%
90.26%
94.07%
94.07%
11.57
10.07
10.40
10.77
10.77
-56.74
-1.58
0.08
0.80
0.80
-2.60
1.26
0.02
0.47
0.47
G.Liquidity Ratios
132
1.Current liabilities
(Thousand Rupees)
2011
2012
2008
2009
2010
109,140
110,902
115,926
118,552
122,143
200,000
200,000
200,000
200,000
200,000
4,557
5,438
7,950
10,463
13,363
(95,417)
(94,536)
(92,024)
(91,911)
(91,220)
(1,311)
4.Others
2012
(630)
(896)
23,108
23,179
44,101
30,688
(1,001)
35,759
18
23,108
23,179
43,951
24,510
26,032
150
6,178
9,727
130,937
133,451
159,131
148,239
157,920
1.Current assets (a + b)
130,619
133,451
134,649
96,730
101,137
2.Non-current liabilities
16,088
16,490
20,812
20,645
34,244
114,531
116,961
113,837
76,085
66,893
318
24,482
51,509
56,783
318
2,285
25,864
35,096
b.Long-term investments
22,197
25,645
21,687
1.Gross revenue(loss)
1,417
4,218
13,528
23,983
16,842
2.Operating expenses
1,822
1,919
5,983
5,242
5,620
(405)
2,299
9,085
18,741
11,222
60
196
558
570
692
538
1,762
5,024
5,026
5,991
538
1,762
5,024
5,026
5,991
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
1.20%
1.20%
1.50%
0.00%
0.00%
0.00%
0.00%
0.00%
42,512
32,502
19,282
6,683
27,467
0.49%
1.59%
4.33%
4.24%
4.90%
0.50%
1.60%
4.36%
4.06%
4.54%
0.41%
1.32%
3.16%
3.39%
3.79%
37.97%
41.77%
37.14%
20.96%
35.57%
338.66%
108.91%
119.09%
104.30%
93.81%
3.29%
10.21%
9.33%
10.87%
12.31%
0.03
0.09
0.25
0.25
0.30
5.65
5.76
3.06
3.95
3.89
0.18
0.17
0.28
0.21
0.23
0.00%
0.00%
13.95%
17.30%
13.73%
83.35%
83.10%
72.85%
79.97%
77.34%
5.46
5.55
5.80
5.93
6.11
79.02
18.45
3.84
1.33
4.58
1.84
1.40
0.44
0.27
1.06
a.Fixed assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
133
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
118,182
112,550
117,680
124,042
128,065
113,400
113,400
113,400
113,400
113,400
4,782
(850)
4,280
10,642
14,665
25,553
32,568
37,344
44,098
58,747
12,717
14,290
15,150
9,358
15,501
2.Non-current liabilities
12,836
18,278
22,194
34,740
43,246
143,735
145,118
155,024
168,140
186,812
1.Current assets (a + b)
67,337
47,099
49,915
59,789
55,774
13,961
10,439
6,480
16,825
13,630
53,376
36,660
43,435
42,964
42,144
76,398
98,019
105,109
108,351
131,038
2.Non-current assets (a + b + c)
1,791
1,620
1,758
2,969
2,495
b.Long-term investments
25,371
21,057
20,679
12,274
10,419
49,236
75,342
82,672
93,108
118,124
1.Gross revenue(loss)
35,809
41,064
48,178
53,703
59,346
2.Operating expenses
10,065
11,123
12,864
15,048
16,829
3.Operating profit
a.Fixed assets
25,744
29,941
35,314
38,655
42,517
1,095
766
813
979
1,003
9,854
6,893
7,320
8,812
9,023
9,854
6,893
7,320
8,812
9,023
11,340
11,340
11,340
11,340
11,340
2.Cash dividend
6.00%
4.50%
5.00%
5.50%
5.50%
0.00%
0.00%
0.00%
0.00%
0.00%
5,755
1,332
(6,079)
9,187
(3,142)
8.34%
6.12%
6.22%
7.10%
7.05%
7.52%
5.27%
5.23%
5.55%
5.27%
6.86%
4.75%
4.72%
5.24%
4.83%
27.52%
16.79%
15.19%
16.41%
15.20%
102.14%
161.37%
175.74%
170.77%
186.51%
10.88%
6.89%
6.32%
6.51%
5.96%
0.87
0.61
0.65
0.78
0.80
5.30
3.30
3.29
6.39
3.60
0.18
0.22
0.24
0.26
0.31
17.65%
14.51%
13.34%
7.30%
5.58%
82.22%
77.56%
75.91%
73.77%
68.55%
10.42
9.93
10.38
10.94
11.29
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
0.58
0.19
-0.83
1.04
-0.35
0.45
0.09
-0.40
0.98
-0.20
E.Other items
G.Liquidity Ratios
134
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
574,163
544,464
547,821
562,818
563,086
524,400
524,400
524,400
524,400
524,400
75,543
75,689
74,975
75,156
81,834
(25,780)
(55,625)
(51,554)
(36,738)
(43,148)
64,951
46,040
39,126
50,839
40,472
63,842
45,035
37,729
49,232
38,640
1,109
1,005
1,397
1,607
1,832
639,114
590,504
586,947
613,657
603,558
1.Current assets (a + b)
248,798
232,708
232,002
257,776
247,616
2.Non-current liabilities
52,857
10,757
20,183
57,258
33,785
195,941
221,951
211,819
200,518
213,831
390,316
357,796
354,945
355,881
355,942
16,964
15,189
19,051
18,580
19,132
309,231
278,917
278,133
280,390
280,099
64,121
63,690
57,761
56,911
56,711
1.Gross revenue(loss)
26,155
22,801
25,877
17,888
29,668
2.Operating expenses
20,966
20,946
23,136
16,551
17,283
5,189
1,855
2,741
1,337
12,385
7,566
346
(591)
240
8,905
7,367
146
(714)
180
6,678
52,440
52,440
52,440
52,440
52,440
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(30,463)
(30,679)
13,607
17,511
5,204
1.28%
0.03%
-0.13%
0.03%
1.19%
1.32%
0.06%
-0.11%
0.04%
1.58%
1.15%
0.02%
-0.12%
0.03%
1.11%
28.17%
0.64%
-2.76%
1.01%
22.51%
284.59%
14,346.58%
-3,240.34%
9,195.00%
258.81%
0.00%
0.00%
0.00%
0.00%
0.00%
0.14
0.00
-0.01
0.00
0.13
3.90
5.17
6.15
5.24
6.41
0.10
0.08
0.07
0.08
0.07
48.38%
47.23%
47.39%
45.69%
46.41%
89.84%
92.20%
93.33%
91.72%
93.29%
10.95
10.38
10.45
10.73
10.74
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-4.14
-210.13
-19.06
97.28
0.78
-0.48
-0.68
0.36
0.36
0.13
a.Fixed assets
b.Long-term investments
c.Other non-current assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
135
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
351,545
326,707
325,202
335,186
352,807
264,138
264,138
264,138
264,138
264,138
2.Reserves
58,064
61,914
72,258
75,297
79,343
3.Unappropriated profit
29,343
655
(11,194)
(4,249)
1.Certificate capital
4.Others
9,326
142,696
131,052
107,665
40,043
68,132
60,781
69,246
86,547
30,428
60,206
2.Non-current liabilities
81,915
61,806
21,118
9,615
7,926
494,241
457,759
432,867
375,229
420,939
1.Current assets (a + b)
155,691
105,432
199,227
136,244
149,923
34,160
5,469
13,405
16,490
11,724
121,531
99,963
185,822
119,754
138,199
338,550
352,327
233,640
238,985
271,016
231,348
181,426
105,765
75,272
29,776
b.Long-term investments
57,195
59,881
4,574
106,403
99,929
186,681
153,794
102,806
39,668
1.Gross revenue(loss)
118,948
71,449
55,884
71,466
45,368
2.Operating expenses
24,960
21,077
18,438
20,746
17,933
3.Operating profit
93,988
50,372
37,446
50,720
27,435
4,631
984
2,018
a.Fixed assets
41,680
(2,580)
(11,530)
8,680
18,166
41,680
(2,274)
(11,849)
8,680
16,970
E.Other items
26,413
26,413
26,413
26,413
26,413
10.00%
0.00%
0.00%
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(8,589)
15,893
24,329
(45,926)
(7,849)
11.86%
-0.70%
-3.64%
2.59%
4.81%
9.62%
-0.66%
-3.33%
2.52%
5.04%
8.43%
-0.50%
-2.74%
2.31%
4.03%
35.04%
-3.18%
-21.20%
12.15%
37.41%
59.88%
-926.87%
-155.61%
239.01%
105.67%
18.55%
0.00%
0.00%
4.74%
11.25%
1.58
-0.09
-0.45
0.33
0.64
2.56
1.52
2.30
4.48
2.49
0.29
0.29
0.25
0.11
0.16
11.57%
13.08%
1.06%
28.36%
0.00%
71.13%
71.37%
75.13%
89.33%
83.81%
13.31
12.37
12.31
12.69
13.36
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-0.21
-6.99
-2.05
-5.29
-0.46
-0.14
0.23
0.28
-1.51
-0.13
G.Liquidity Ratios
136
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
92,442
102,508
112,178
116,951
119,500
1.Certificate capital
30,000
30,000
30,000
30,000
30,000
2.Reserves
47,123
49,329
55,043
60,558
65,478
3.Unappropriated profit
15,319
23,179
27,135
26,393
24,022
Items
A.Total equity (A1 to A3)
4.Others
115,434
83,809
112,811
199,437
228,508
110,573
76,989
104,671
190,541
217,317
4,861
6,820
8,140
8,896
11,191
207,876
186,317
224,989
316,388
348,008
1.Current assets (a + b)
201,130
180,878
216,965
310,020
341,734
2.Non-current liabilities
57,750
48,054
6,888
17,555
28,404
143,380
132,824
210,077
292,465
313,330
6,746
5,439
8,024
6,368
6,274
6,090
6,746
5,248
7,535
6,034
b.Long-term investments
191
489
334
184
1.Gross revenue(loss)
51,205
58,779
78,068
92,555
98,804
2.Operating expenses
20,795
22,507
25,521
29,425
35,347
3.Operating profit
30,410
36,272
52,547
63,130
63,457
2,712
2,607
4,204
5,360
5,441
31,185
29,982
48,341
54,192
55,018
15,167
22,065
28,570
27,573
24,599
a.Fixed assets
E.Other items
3,000
3,000
3,000
3,000
3,000
40.00%
63.00%
76.00%
73.50%
65.00%
0.00%
0.00%
0.00%
0.00%
0.00%
9,214
13,745
(40,221)
5,787
8,917
16.41%
21.53%
25.47%
23.58%
20.58%
32.05%
27.42%
40.18%
43.06%
42.10%
7.30%
11.84%
12.70%
8.71%
7.07%
29.62%
37.54%
36.60%
29.79%
24.90%
137.11%
102.00%
89.33%
106.72%
143.69%
13.04%
11.58%
16.47%
18.22%
15.39%
5.06
7.36
9.52
9.19
8.20
1.82
2.35
2.07
1.63
1.57
0.56
0.45
0.50
0.63
0.66
0.00%
0.00%
0.00%
0.00%
0.00%
44.47%
55.02%
49.86%
36.96%
34.34%
30.81
34.17
37.39
38.98
39.83
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
0.61
0.62
-1.41
0.21
0.36
0.08
0.18
-0.38
0.03
0.04
G.Liquidity Ratios
137
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
620,804
621,226
647,617
677,068
706,648
1.Certificate capital
397,072
397,072
397,072
397,072
397,072
2.Reserves
223,732
224,154
250,545
279,996
309,576
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
528,289
205,939
116,413
132,543
159,109
347,426
120,604
48,682
53,523
67,297
180,863
85,335
67,731
79,020
91,812
1,149,093
827,165
764,030
809,611
865,757
92,060
69,097
168,824
206,987
195,442
9,514
4,073
25,003
21,639
13,269
82,546
65,024
143,821
185,348
182,173
1,057,033
758,068
595,206
602,624
670,315
1,048,156
757,915
543,875
492,809
563,138
8,125
51,179
99,179
99,211
752
153
152
10,636
7,966
1.Gross revenue(loss)
494,439
497,327
405,588
312,872
267,106
2.Operating expenses
9,137
9,522
10,233
11,926
14,472
485,302
487,805
395,355
300,946
252,634
2,334
2,198
4,997
7,952
9,007
21,012
19,779
44,976
71,567
81,066
21,012
19,779
44,976
71,567
81,066
39,707
39,707
39,707
39,707
39,707
2.Cash dividend
5.00%
5.00%
11.00%
13.00%
14.75%
0.00%
0.00%
0.00%
0.00%
0.00%
41,654
334,985
287,475
77,317
74,645
3.38%
3.18%
6.94%
10.57%
11.47%
2.62%
2.80%
6.29%
9.47%
10.15%
1.83%
2.39%
5.89%
8.84%
9.36%
4.25%
3.98%
11.09%
22.87%
30.35%
43.48%
48.14%
22.75%
16.66%
17.85%
25.54%
23.08%
48.83%
66.68%
62.24%
0.53
0.50
1.13
1.80
2.04
0.26
0.57
3.47
3.87
2.90
0.46
0.25
0.15
0.16
0.18
0.71%
0.00%
6.70%
12.25%
11.46%
54.03%
75.10%
84.76%
83.63%
81.62%
15.63
15.65
16.31
17.05
17.80
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
1.98
16.94
6.39
1.08
0.92
0.12
2.78
5.91
1.44
1.11
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
138
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,846,818
2,618,148
2,892,195
3,059,624
3,127,196
1.Certificate capital
1,008,000
1,008,000
1,008,000
1,008,000
1,008,000
2.Reserves
1,619,090
1,407,211
1,668,921
1,825,693
1,907,997
219,728
202,937
215,274
225,931
211,199
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
1,178,832
663,054
885,692
1,015,590
1,438,225
778,516
527,696
728,545
820,814
1,229,146
400,316
135,358
157,147
194,776
209,079
4,025,650
3,281,202
3,777,887
4,075,214
4,565,421
1.Current assets (a + b)
1,303,313
1,163,360
1,302,277
1,531,467
1,818,515
2.Non-current liabilities
150,213
302,136
212,337
111,528
122,397
1,153,100
861,224
1,089,940
1,419,939
1,696,118
2,722,337
2,117,842
2,475,610
2,543,747
2,746,906
2,713,543
2,103,719
2,435,300
2,372,955
2,501,153
b.Long-term investments
1,211
80
32,291
162,256
234,071
7,583
14,043
8,019
8,536
11,682
1.Gross revenue(loss)
1,666,786
1,666,234
317,651
346,280
378,915
2.Operating expenses
1,390,608
1,357,193
47,817
55,711
57,883
3.Operating profit
276,178
309,041
269,834
290,569
321,032
(29,873)
27,068
29,713
30,880
38,338
268,855
243,613
267,421
277,922
345,045
268,855
243,613
267,421
277,922
345,045
201,600
201,600
201,600
201,600
201,600
2.Cash dividend
21.00%
20.00%
21.00%
22.00%
20.00%
0.00%
0.00%
0.00%
0.00%
0.00%
559,621
805,462
(102,404)
129,830
24,870
9.44%
9.30%
9.25%
9.08%
11.03%
8.28%
8.85%
8.77%
8.54%
10.34%
6.68%
7.42%
7.08%
6.82%
7.56%
16.13%
14.62%
84.19%
80.26%
91.06%
517.23%
557.11%
17.88%
20.05%
16.78%
-2.15%
1.99%
62.14%
55.43%
66.23%
1.33
1.21
1.33
1.38
1.71
1.67
2.20
1.79
1.87
1.48
0.29
0.20
0.23
0.25
0.32
0.03%
0.00%
0.85%
3.98%
5.13%
70.72%
79.79%
76.56%
75.08%
68.50%
14.12
12.99
14.35
15.18
15.51
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
2.08
3.31
-0.38
0.47
0.07
0.72
1.53
-0.14
0.16
0.02
a.Fixed assets
E.Other items
G.Liquidity Ratios
139
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
171,959
239,066
247,982
230,977
191,324
116,875
201,875
201,875
201,875
201,875
48,348
31,892
39,142
39,172
39,993
6,736
5,299
6,965
(10,070)
(50,544)
85,000
17,568
130,802
131,900
67,831
44,392
3,695
126,999
127,681
58,463
41,688
2.Non-current liabilities
13,873
3,803
4,219
9,368
2,704
274,527
369,868
379,882
298,808
235,716
1.Current assets (a + b)
215,711
307,893
338,249
196,738
140,645
21,956
1,144
1,058
1,976
46
193,755
306,749
337,191
194,762
140,599
58,816
61,975
41,633
102,070
95,071
27,405
22,935
4,248
2,777
1,146
7,809
38,857
29,461
31,411
31,231
37,385
60,436
64,464
1.Gross revenue(loss)
25,619
34,037
60,205
49,576
8,837
2.Operating expenses
13,680
13,474
40,739
15,158
12,687
3.Operating profit
11,939
20,563
19,466
34,418
(3,850)
546
183
4,916
1,644
2,082
(10,190)
(40,473)
4,916
1,644
2,082
(10,190)
(40,473)
11,687
20,188
20,188
20,188
20,188
2.Cash dividend
5.00%
0.00%
3.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(25,767)
9,496
3,804
61,838
(11,024)
2.86%
0.69%
0.84%
-4.41%
-21.15%
1.82%
0.68%
0.83%
-4.24%
-20.86%
1.79%
0.44%
0.55%
-3.41%
-17.17%
19.19%
4.83%
3.46%
-20.55%
-457.99%
278.28%
819.59%
1,956.72%
-148.75%
-31.35%
3.99%
1.36%
0.00%
0.00%
0.00%
0.42
0.08
0.10
-0.50
-2.00
58.38
2.42
2.65
3.37
3.37
0.06
0.35
0.35
0.23
0.19
0.00%
2.11%
0.00%
13.00%
12.50%
62.64%
64.64%
65.28%
77.30%
81.17%
14.71
11.84
12.28
11.44
9.48
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-5.24
5.78
1.83
-6.07
0.27
-6.97
0.07
0.03
1.06
-0.26
E.Other items
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
2.Total liabilities to total assets (B/C) (times)
3.Long term investment to total assets (C2b/C)
140
KASB Modaraba
Items
A.Total equity (A1 to A3)
1.Certificate capital
2.Reserves
3.Unappropriated profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
42,716
258,322
275,418
307,639
330,222
83,160
282,744
282,744
282,744
282,744
8,734
11,938
20,486
40,555
60,894
(49,178)
(36,360)
(27,812)
(15,660)
(13,416)
19,958
(665)
169,833
185,191
678,915
806,234
1,306,744
80,309
159,906
665,904
633,387
1,189,718
2.Non-current liabilities
89,524
25,285
13,011
172,847
117,026
232,507
443,513
953,668
1,113,873
1,636,966
1.Current assets (a + b)
125,038
302,421
762,537
801,245
1,164,792
33,845
128,714
59,225
109,829
66,987
91,193
173,707
703,312
691,416
1,097,805
107,469
141,092
191,131
312,628
472,174
2.Non-current assets (a + b + c)
1,803
7,643
8,089
10,534
8,883
17,020
19,342
18,959
10,495
105,666
116,429
163,700
283,135
452,796
1.Gross revenue(loss)
10,700
41,990
87,645
161,081
197,753
2.Operating expenses
14,516
18,118
24,895
34,102
41,513
3.Operating profit
(3,816)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
23,872
62,690
126,979
156,240
1,780
1,899
4,460
4,520
7,428
16,023
17,096
40,139
40,677
8,078
16,023
17,096
40,139
40,677
E.Other items
8,316
28,274
28,274
28,274
28,274
2.Cash dividend
0.00%
0.00%
2.80%
6.40%
6.50%
0.00%
0.00%
0.00%
0.00%
0.00%
(174,184)
(4,931)
(529,121)
(27,481)
(472,580)
18.91%
6.20%
6.21%
13.05%
12.32%
4.88%
5.65%
5.94%
8.35%
9.09%
3.47%
3.61%
1.79%
3.60%
2.48%
75.50%
38.16%
19.51%
24.92%
20.57%
179.70%
113.07%
145.62%
84.96%
102.06%
0.00%
9.82%
7.63%
13.08%
10.89%
0.97
0.57
0.60
1.42
1.44
1.56
1.89
1.15
1.27
0.98
0.73
0.42
0.71
0.72
0.80
0.00%
3.84%
2.03%
1.70%
0.64%
18.37%
58.24%
28.88%
27.62%
20.17%
5.14
9.14
9.74
10.88
11.68
-21.56
-0.31
-30.95
-0.68
-11.62
-2.17
-0.03
-0.79
-0.04
-0.40
G.Liquidity Ratios
141
Modaraba Al-Mali
Items
A.Total equity (A1 to A3)
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
238,341
211,447
199,045
178,889
176,201
184,239
184,240
184,240
184,240
184,239
2.Reserves
55,453
55,453
55,964
55,964
55,964
3.Unappropriated profit
(1,352)
(28,246)
(41,159)
(61,314)
(64,002)
1.Certificate capital
4.Others
1,039
512
69,776
50,926
49,813
34,163
50,926
48,266
36,622
39,349
28,061
32,685
2.Non-current liabilities
21,510
14,304
10,464
6,102
18,241
309,156
262,885
248,858
213,052
227,127
1.Current assets (a + b)
145,410
63,408
78,431
71,328
77,221
72,278
10,490
1,115
3,237
8,644
73,132
52,918
77,316
68,091
68,577
163,746
199,477
170,427
141,724
149,906
123,443
2.Non-current assets (a + b + c)
125,644
124,211
131,245
132,728
b.Long-term investments
27,545
33,104
22,270
10,557
42,162
16,912
8,996
26,463
1.Gross revenue(loss)
36,620
30,258
61,498
85,484
105,760
2.Operating expenses
38,800
39,655
68,743
79,468
102,447
3.Operating profit
(2,180)
(9,397)
(7,245)
a.Fixed assets
6,016
3,313
6,120
(22,287)
(12,913)
(20,015)
(2,430)
6,120
(22,287)
(12,913)
(20,155)
(2,689)
18,424
18,424
18,424
18,424
18,424
2.Cash dividend
2.50%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
98,787
(45,403)
12,776
20,887
26,281
2.57%
-10.54%
-6.49%
-11.27%
-1.53%
2.35%
-9.85%
-6.16%
-10.82%
-1.25%
1.98%
-8.48%
-5.19%
-9.46%
-1.18%
16.71%
-73.66%
-21.00%
-23.58%
-2.54%
633.99%
-177.93%
-532.35%
-394.28%
-3,809.85%
0.00%
0.00%
0.00%
0.00%
0.00%
0.33
-1.21
-0.70
-1.09
-0.15
3.01
1.73
1.99
2.54
2.36
0.23
0.19
0.20
0.16
0.22
8.91%
12.59%
8.95%
0.00%
0.00%
77.09%
80.43%
79.98%
83.96%
77.58%
12.94
11.48
10.80
9.71
9.56
16.14
2.04
-0.99
-1.04
-9.77
2.05
-1.24
0.32
0.74
0.80
E.Other items
G.Liquidity Ratios
142
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
319,530
305,305
331,540
337,139
339,776
250,000
250,000
250,000
250,000
250,000
2.Reserves
24,906
27,061
32,308
38,428
43,955
3.Unappropriated profit
44,624
28,244
49,232
48,711
45,821
1.Certificate capital
4.Others
(13,057)
(16,822)
2,472,502
2,121,959
1,429,718
1,830,434
1,623,192
1,640,342
1,410,556
1,153,656
1,310,168
1,148,885
832,160
711,403
276,062
520,266
474,307
2,778,975
2,410,442
1,761,258
2,167,573
1,962,968
1.Current assets (a + b)
1,599,576
1,450,753
1,024,130
1,263,771
961,656
2.Non-current liabilities
12,265
13,879
5,019
8,140
17,415
1,587,311
1,436,874
1,019,111
1,255,631
944,241
1,179,399
959,689
737,128
903,802
1,001,312
1,998
211,516
420,938
727,257
892,906
1,176,562
748,173
314,887
175,019
104,975
839
1,303
1,526
3,431
1.Gross revenue(loss)
227,964
352,479
370,064
473,558
605,821
2.Operating expenses
16,432
66,634
134,157
15,695
20,800
211,532
285,845
235,907
457,863
585,021
3,529
1,197
2,915
3,400
3,071
31,763
10,775
26,234
30,600
27,637
31,763
10,775
26,234
30,600
27,637
a.Fixed assets
b.Long-term investments
c.Other non-current assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
25,000
25,000
25,000
25,000
25,000
10.00%
0.00%
10.00%
10.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
398,409
(398,408)
833,512
240,594
772,304
9.94%
3.53%
7.91%
9.08%
8.13%
2.79%
1.08%
4.32%
3.57%
3.39%
1.14%
0.45%
1.49%
1.41%
1.41%
13.93%
3.06%
7.09%
6.46%
4.56%
51.73%
618.41%
511.39%
51.29%
75.26%
21.48%
1.80%
2.17%
21.66%
14.76%
1.27
0.43
1.05
1.22
1.11
0.98
1.03
0.89
0.96
0.84
0.89
0.88
0.81
0.84
0.83
42.34%
31.04%
17.88%
8.07%
5.35%
11.50%
12.67%
18.82%
15.55%
17.31%
12.78
12.21
13.26
13.49
13.59
G.Liquidity Ratios
143
12.54
-36.98
31.77
7.86
27.94
0.24
-0.28
0.72
0.18
0.67
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
96,920
59,416
66,313
75,983
72,853
125,400
125,400
125,400
125,400
125,400
15,710
15,466
18,225
20,911
21,288
(44,190)
(81,450)
(77,312)
(70,328)
(73,835)
5,240
4,784
5,373
5,943
5,713
3,932
4,175
4,939
5,478
5,426
1,308
609
434
465
287
102,160
64,200
71,686
81,926
78,566
1.Current assets (a + b)
96,590
60,771
69,968
79,970
76,537
2.Non-current liabilities
44,470
1,532
37,759
19,292
9,086
52,120
59,239
32,209
60,678
67,451
5,570
3,429
1,718
1,956
2,029
80
124
1,475
1,691
548
5,490
3,305
243
265
1,481
1.Gross revenue(loss)
14,282
3,574
9,328
8,831
8,199
2.Operating expenses
3,319
3,579
4,646
4,777
4,800
10,963
(5)
4,682
4,054
3,399
490
(766)
(1,498)
6,121
33,498
6,396
13,483
1,878
5,631
33,498
6,897
13,432
1,886
12,540
12,540
12,540
12,540
12,540
2.Cash dividend
3.00%
0.00%
3.00%
4.00%
1.20%
0.00%
0.00%
0.00%
0.00%
0.00%
(6,315)
(45,608)
19,167
11,997
(2,015)
5.81%
56.38%
10.40%
17.68%
2.59%
6.23%
55.81%
9.58%
17.64%
2.57%
5.51%
52.18%
9.62%
16.40%
2.40%
39.43%
937.27%
73.94%
152.10%
23.00%
58.94%
10.68%
35.56%
254.51%
14.76%
0.00%
-16.49%
-31.36%
0.00%
0.45
2.67
0.55
1.07
0.15
24.57
14.56
14.17
14.60
14.11
0.05
0.07
0.07
0.07
0.07
0.00%
0.00%
0.00%
0.00%
0.00%
94.87%
92.55%
92.50%
92.75%
92.73%
7.73
4.74
5.29
6.06
5.81
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-1.12
-1.36
2.78
0.89
-1.07
-1.61
-10.92
3.88
2.19
-0.37
2.Non-current assets (a + b + c)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
67.36%
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
2.Total liabilities to total assets (B/C) (times)
3.Long term investment to total assets (C2b/C)
144
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
108,957
118,845
126,764
144,006
153,805
1.Certificate capital
58,633
58,633
58,633
58,633
58,633
2.Reserves
41,229
50,277
56,127
50,323
61,407
9,095
9,935
12,004
35,050
33,765
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
96,827
108,391
121,778
101,430
115,362
78,899
92,633
103,623
61,614
42,063
2.Non-current liabilities
17,928
15,758
18,155
39,816
73,299
205,784
227,236
248,542
245,436
269,167
1.Current assets (a + b)
107,105
141,753
184,095
131,820
164,523
37,777
17,113
30,310
3,585
18,954
69,328
124,640
153,785
128,235
145,569
98,679
85,483
64,447
113,616
104,644
53,830
59,510
29,104
31,584
31,699
3,577
22,847
35,340
82,024
72,937
41,272
3,126
1.Gross revenue(loss)
28,339
39,194
28,356
38,914
47,673
2.Operating expenses
6,936
6,679
14,476
18,562
18,308
21,403
32,515
13,880
20,352
29,365
1,373
2,011
731
1,440
2,933
12,359
18,098
16,713
27,796
23,573
12,359
18,098
16,713
27,796
23,573
2.Non-current assets (a + b + c)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
5,863
5,863
5,863
5,863
5,863
14.00%
15.00%
18.00%
23.50%
21.00%
0.00%
0.00%
0.00%
0.00%
0.00%
33,147
25,305
19,587
(16,004)
24,383
11.34%
15.23%
13.18%
19.30%
15.33%
9.74%
13.45%
11.53%
15.12%
10.38%
6.01%
7.96%
6.72%
11.33%
8.76%
43.61%
46.18%
58.94%
71.43%
49.45%
56.12%
36.90%
86.62%
66.78%
77.67%
19.80%
30.11%
5.05%
7.76%
16.02%
2.11
3.09
2.85
4.74
4.02
1.36
1.53
1.78
2.14
3.91
0.47
0.48
0.49
0.41
0.43
1.74%
10.05%
14.22%
33.42%
27.10%
52.95%
52.30%
51.00%
58.67%
57.14%
18.58
20.27
21.62
24.56
26.23
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
2.68
1.40
1.17
-0.58
1.03
0.42
0.27
0.19
-0.26
0.58
G.Liquidity Ratios
145
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
601,944
472,061
505,488
512,997
519,608
1.Certificate capital
872,177
872,177
872,177
872,177
872,177
2.Reserves
113,586
113,586
120,245
126,899
133,492
(383,819)
(513,702)
(486,934)
(486,079)
(486,061)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
151,660
109,666
64,478
59,127
71,656
90,195
80,295
45,412
32,278
38,758
2.Non-current liabilities
61,465
29,371
19,066
26,849
32,898
753,604
581,727
569,966
572,124
591,264
1.Current assets (a + b)
498,192
415,671
430,375
462,482
440,827
161,758
98,265
288,557
24,763
90,368
336,434
317,406
141,818
437,719
350,459
255,412
166,056
139,591
109,642
150,437
196,239
117,129
85,179
66,500
108,094
6,809
7,286
7,277
7,721
6,447
52,364
41,641
47,135
35,421
35,896
1.Gross revenue(loss)
148,549
119,615
87,636
87,176
91,329
2.Operating expenses
17,934
16,270
18,851
17,147
14,848
130,615
103,345
68,785
70,029
76,481
4,623
3,697
1,735
41,788
(103,260)
32,835
33,270
32,969
41,455
(103,718)
33,293
33,270
32,969
87,218
87,218
87,218
87,218
87,218
2.Cash dividend
3.00%
0.00%
3.00%
3.00%
3.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(17,336)
(17,336)
90,373
62,649
74,543
6.89%
-21.97%
6.59%
6.49%
6.34%
6.30%
-20.59%
6.26%
6.16%
5.97%
5.50%
-17.83%
5.84%
5.82%
5.58%
27.91%
-86.71%
37.99%
38.16%
36.10%
43.26%
-15.69%
56.62%
51.54%
45.04%
25.78%
0.00%
0.00%
21.56%
11.69%
0.48
-1.19
0.38
0.38
0.38
5.52
5.18
9.48
14.33
11.37
0.20
0.19
0.11
0.10
0.12
0.90%
1.25%
1.28%
1.35%
1.09%
79.88%
81.15%
88.69%
89.67%
87.88%
6.90
5.41
5.80
5.88
5.96
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-0.42
0.17
2.71
1.88
2.26
-0.19
-0.22
1.99
1.94
1.92
2.Non-current assets (a + b + c)
a.Fixed assets
b.Long-term investments
c.Other non-current assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
146
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
443,635
362,998
370,029
296,446
142,698
1.Certificate capital
340,200
340,200
340,200
340,200
340,200
2.Reserves
110,684
110,683
114,199
114,199
128,065
(7,249)
(87,885)
(84,370)
(157,953)
(325,567)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
3,150,969
2,683,043
2,295,069
2,331,908
1,767,981
1.Current liabilities
2,021,160
1,350,630
1,188,896
2,137,496
1,622,398
4.Others
1,129,809
1,332,413
1,106,173
194,412
145,583
3,594,604
3,046,041
2,665,098
2,628,354
1,910,679
1.Current assets (a + b)
1,724,383
1,318,999
1,143,033
1,344,489
1,099,166
38,611
26,434
42,247
182,411
58,509
1,685,772
1,292,565
1,100,786
1,162,078
1,040,657
1,870,221
1,727,042
1,522,065
1,283,865
811,513
1,802,881
1,633,185
1,447,816
1,198,450
743,457
b.Long-term investments
10,785
38,032
19,553
38,722
21,622
56,555
55,825
54,696
46,693
46,434
1.Gross revenue(loss)
715,988
1,127,458
990,266
853,732
617,354
2.Operating expenses
18,172
24,129
26,650
32,608
33,706
697,816
1,103,329
963,616
821,124
583,648
1,891
17,019
90,829
7,031
(70,182)
(167,613)
17,019
90,829
7,031
(70,182)
(167,613)
34,020
34,020
34,020
34,020
34,020
2.Cash dividend
3.20%
0.00%
1.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(1,473,786)
488,814
317,145
90,069
348,219
3.84%
25.02%
1.90%
-23.67%
-117.46%
1.08%
5.36%
0.48%
-14.30%
-58.14%
0.47%
2.98%
0.26%
-2.67%
-8.77%
2.38%
8.06%
0.71%
-8.22%
-27.15%
106.77%
26.57%
379.04%
-46.46%
-20.11%
10.41%
0.00%
0.00%
0.00%
0.00%
0.50
2.67
0.21
-2.06
-4.93
0.85
0.98
0.96
0.63
0.68
0.88
0.88
0.86
0.89
0.93
0.30%
1.25%
0.73%
1.47%
1.13%
12.34%
11.92%
13.88%
11.28%
7.47%
13.04
10.67
10.88
8.71
4.19
-86.60
5.38
45.11
-1.28
-2.08
-0.73
0.36
0.27
0.04
0.21
a.Fixed assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
147
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
892,332
923,617
928,614
938,070
960,694
1.Certificate capital
453,835
453,835
453,835
453,835
453,835
2.Reserves
351,533
372,313
388,289
405,611
425,793
86,964
97,469
86,490
78,624
81,066
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
2,183,668
2,513,566
2,676,451
3,223,039
5,170,931
1,782,628
2,052,797
2,317,417
2,844,695
4,480,681
401,040
460,769
359,034
378,344
690,250
3,076,000
3,437,183
3,605,065
4,161,109
6,131,625
1.Current assets (a + b)
1,253,455
1,022,736
1,131,602
774,051
740,526
2.Non-current liabilities
16,420
42,742
77,804
22,378
10,315
1,237,035
979,994
1,053,798
751,673
730,211
1,822,545
2,414,447
2,473,463
3,387,058
5,391,099
4,036
3,650
1,953,662
2,968,010
4,336,366
1,818,509
2,410,797
519,601
418,446
1,054,417
200
602
316
1.Gross revenue(loss)
273,008
513,324
850,201
1,121,884
1,679,681
2.Operating expenses
42,873
41,354
46,744
53,315
67,322
a.Fixed assets
b.Long-term investments
c.Other non-current assets
230,135
471,970
802,980
1,068,569
1,612,359
10,811
11,544
9,292
9,819
11,441
97,299
103,899
79,880
86,607
100,911
97,299
103,899
79,880
86,607
100,911
3.Operating profit
E.Other items
45,383
45,383
45,383
45,383
45,383
16.00%
16.50%
17.00%
17.25%
17.50%
0.00%
0.00%
0.00%
0.00%
0.00%
(296,283)
(84,021)
251,783
(638,235)
(1,587,546)
10.90%
11.25%
8.60%
9.23%
10.50%
7.52%
7.51%
6.20%
6.58%
6.11%
3.16%
3.02%
2.22%
2.08%
1.65%
35.64%
20.24%
9.40%
7.72%
6.01%
44.06%
39.80%
58.52%
61.56%
66.71%
25.22%
27.92%
19.88%
18.42%
16.99%
2.14
2.29
1.76
1.91
2.22
0.70
0.50
0.49
0.27
0.17
0.71
0.73
0.74
0.77
0.84
59.12%
70.14%
14.41%
10.06%
17.20%
29.01%
26.87%
25.76%
22.54%
15.67%
19.66
20.35
20.46
20.67
21.17
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
-3.05
-0.81
3.15
-7.37
-15.73
-0.17
-0.04
0.11
-0.22
-0.35
G.Liquidity Ratios
148
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
111,649
428,285
476,801
878,189
1,010,846
142,857
500,000
500,000
800,000
800,000
24,258
85,872
179,960
(31,208)
(71,715)
(47,457)
(7,683)
30,886
504,000
423,589
327,498
471,211
550,453
150,354
39,754
327,498
264,521
93,342
150,354
2.Non-current liabilities
383,835
206,690
457,111
535,238
755,783
948,012
1,428,642
1,665,200
1.Current assets (a + b)
378,932
525,747
609,334
1,075,593
1,313,386
16,539
64,775
38,627
58,762
367,208
362,393
460,972
570,707
1,016,831
946,178
156,306
230,036
338,678
353,049
351,814
156,266
229,996
323,704
341,557
322,813
40
14,974
11,492
29,001
40
1.Gross revenue(loss)
489,112
965,983
119,001
185,672
279,655
2.Operating expenses
19,877
28,623
44,722
60,891
93,749
3.Operating profit
937,360
74,279
124,781
185,906
(15,618)
(40,507)
48,516
123,228
188,177
(15,618)
(40,507)
48,516
123,228
188,177
14,286
50,000
50,000
80,000
80,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(242,943)
(139,423)
(21,958)
(264,449)
344,288
-13.99%
-9.46%
10.18%
14.03%
18.62%
-3.15%
-9.46%
7.10%
9.23%
12.42%
-2.92%
-5.36%
5.12%
8.63%
11.30%
-3.19%
-4.19%
40.77%
66.37%
67.29%
E.Other items
-127.27%
-70.66%
92.18%
49.41%
49.82%
0.00%
0.00%
0.00%
0.00%
0.00%
-1.09
-0.81
0.97
1.54
2.35
9.53
1.61
2.30
11.52
8.74
0.79
0.43
0.50
0.39
0.09
0.00%
0.01%
1.58%
0.80%
1.74%
20.86%
56.67%
50.29%
61.47%
60.70%
7.82
8.57
9.54
10.98
12.64
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
15.56
3.44
-0.45
-2.15
1.83
-6.11
-0.43
-0.08
-2.83
2.29
G.Liquidity Ratios
149
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
199,858
211,121
208,545
207,015
207,015
211,631
211,631
211,631
211,631
211,631
26,176
28,451
30,053
30,053
30,053
3.Unappropriated profit
(37,949)
(28,961)
(33,139)
(34,669)
(34,669)
4.Others
(11,890)
(17,269)
(18,267)
(17,707)
(17,707)
37,633
22,480
70,768
78,163
78,163
37,633
22,480
70,768
78,163
78,163
Items
A.Total equity (A1 to A3)
1.Certificate capital
2.Reserves
225,601
216,332
261,046
267,471
267,471
1.Current assets (a + b)
132,947
128,853
177,207
186,435
186,435
2.Non-current liabilities
269
113
1,686
1,134
1,134
132,678
128,740
175,521
185,301
185,301
92,654
87,479
83,839
81,036
81,036
8,909
274
244
326
326
83,720
80,426
79,183
79,166
79,166
25
6,779
4,412
1,544
1,544
1.Gross revenue(loss)
3,847
16,303
12,486
2,560
2,560
2.Operating expenses
3,342
3,772
3,678
4,089
4,089
505
12,531
8,808
(1,529)
(1,529)
1,265
801
504
11,263
8,006
(1,530)
(1,530)
504
11,263
8,006
(1,530)
(1,530)
21,163
21,163
21,163
21,163
21,163
2.Cash dividend
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(7,003)
473
(7,715)
(490)
(490)
0.25%
5.33%
3.84%
-0.74%
-0.74%
0.27%
5.81%
4.21%
-0.81%
-0.81%
0.22%
5.21%
3.07%
-0.57%
-0.57%
13.10%
69.09%
64.12%
-59.77%
-59.77%
663.10%
33.49%
45.94%
-267.25%
-267.25%
0.00%
33.54%
21.78%
0.00%
0.00%
0.02
0.53
0.38
-0.07
-0.07
3.53
5.73
2.50
2.39
2.39
0.17
0.10
0.27
0.29
0.29
37.11%
37.18%
30.33%
29.60%
29.60%
88.59%
97.59%
79.89%
77.40%
77.40%
9.44
9.98
9.85
9.78
9.78
-13.89
0.04
-0.96
0.32
0.32
-0.19
0.02
-0.11
-0.01
-0.01
a.Fixed assets
b.Long-term investments
c.Other non-current assets
3.Operating profit
4.Modaraba co's management fees
E.Other items
G.Liquidity Ratios
150
Trust Modaraba
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
243,563
257,029
279,582
283,389
280,647
1.Certificate capital
273,000
298,000
298,000
298,000
298,000
2.Reserves
(29,437)
(40,971)
49,852
60,361
61,578
(68,270)
(74,972)
(78,931)
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
28,005
43,023
91,552
93,825
119,899
25,943
15,551
33,605
27,052
58,533
2,062
27,472
57,947
66,773
61,366
271,568
300,052
371,134
377,214
400,546
1.Current assets (a + b)
203,502
189,713
185,059
191,959
206,117
2.Non-current liabilities
3,205
8,161
8,314
16,777
24,539
200,297
181,552
176,745
175,182
181,578
68,066
110,339
186,075
185,255
194,429
a.Fixed assets
45,830
89,797
163,188
166,923
176,560
b.Long-term investments
21,953
20,328
11,359
11,523
9,982
283
214
11,528
6,809
7,887
1.Gross revenue(loss)
18,674
47,498
59,305
73,690
84,972
2.Operating expenses
15,757
14,088
8,950
13,703
17,067
2,917
33,410
50,355
59,987
67,905
2,272
2,335
1,346
3.Operating profit
4.Modaraba co's management fees
5.Profit/(loss) before taxation
(1,933)
33,087
20,451
21,019
12,110
(1,671)
33,087
23,397
21,019
12,110
27,300
29,800
29,800
29,800
29,800
2.Cash dividend
0.00%
0.00%
5.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
44,262
56,419
94,764
56,182
72,553
-0.69%
12.87%
8.37%
7.42%
4.32%
-0.79%
11.63%
6.06%
6.00%
3.54%
-0.62%
11.03%
6.30%
5.57%
3.02%
-8.95%
69.66%
39.45%
28.52%
14.25%
E.Other items
-942.97%
42.58%
38.25%
65.19%
140.93%
0.00%
0.00%
25.39%
17.04%
7.89%
-0.06
1.11
0.79
0.71
0.41
7.84
12.20
5.51
7.10
3.52
0.10
0.14
0.25
0.25
0.30
8.08%
6.77%
3.06%
3.05%
2.49%
89.69%
85.66%
75.33%
75.13%
70.07%
8.92
8.63
9.38
9.51
9.42
-26.49
1.71
4.05
2.67
5.99
1.71
3.63
2.82
2.08
1.24
G.Liquidity Ratios
151
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
439,590
450,296
474,679
494,865
504,804
1.Certificate capital
263,866
263,866
263,866
263,866
263,866
2.Reserves
127,761
146,307
161,538
183,426
193,330
47,963
40,123
49,275
47,573
47,608
Items
A.Total equity (A1 to A3)
3.Unappropriated profit
4.Others
(1,436)
25
485
(203)
(115)
150,044
163,626
165,131
165,266
211,241
30,400
38,470
41,164
35,266
44,688
2.Non-current liabilities
119,644
125,156
123,967
130,000
166,553
588,198
613,947
640,295
659,928
715,930
1.Current assets (a + b)
443,867
433,941
456,807
466,860
354,580
226,524
59,740
61,338
250,848
172,466
217,343
374,201
395,469
216,012
182,114
144,331
180,006
183,488
193,068
361,350
a.Fixed assets
88,293
107,290
96,218
149,875
291,801
b.Long-term investments
55,964
72,642
87,196
42,218
69,475
74
74
74
975
74
1.Gross revenue(loss)
69,083
90,164
105,954
146,409
155,209
2.Operating expenses
11,114
13,804
15,442
19,924
25,520
3.Operating profit
57,969
76,360
90,512
126,485
129,689
6,233
4,121
5,641
8,160
5,502
56,093
37,093
50,768
73,442
49,518
56,093
37,093
50,768
73,960
49,518
2.Non-current assets (a + b + c)
E.Other items
26,386
26,386
26,386
26,386
26,386
10.00%
10.00%
12.50%
17.50%
15.00%
0.00%
0.00%
0.00%
0.00%
0.00%
67,326
(85,684)
73,919
283,764
136,278
12.76%
8.24%
10.70%
14.95%
9.81%
10.06%
6.45%
8.47%
11.76%
7.38%
9.54%
6.04%
7.93%
11.21%
6.92%
81.20%
41.14%
47.92%
50.52%
31.90%
19.81%
37.21%
30.42%
26.94%
51.54%
56.08%
29.85%
36.53%
40.96%
21.56%
2.13
1.41
1.92
2.80
1.88
14.60
11.28
11.10
13.24
7.93
0.26
0.27
0.26
0.25
0.30
9.51%
11.83%
13.62%
6.40%
9.70%
74.74%
73.34%
74.13%
74.99%
70.51%
16.66
17.07
17.99
18.75
19.13
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
1.20
-2.31
1.46
3.84
2.75
2.21
-2.23
1.80
8.05
3.05
G.Liquidity Ratios
1.Current assets to current liabilities (C1/B1) (times)
2.Total liabilities to total assets (B/C) (times)
3.Long term investment to total assets (C2b/C)
152
Unicap Modaraba
Items
A.Total equity (A1 to A3)
1.Certificate capital
2.Reserves
3.Unappropriated profit
4.Others
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,953
1,953
184
(174)
(359)
136,400
136,400
136,400
136,400
136,400
8,739
8,739
8,739
8,739
8,739
(143,186)
(143,186)
(144,955)
(145,313)
(145,498)
3,622
3,622
3,333
3,326
4,601
3,622
3,622
3,333
3,326
4,601
5,575
5,575
3,517
3,152
4,242
731
731
947
594
1,021
647
647
763
428
1,021
84
84
184
166
4,844
4,844
2,570
2,558
3,221
3,050
4,844
4,844
2,570
2,558
60
111
1.Gross revenue(loss)
397
397
456
375
521
2.Operating expenses
265
265
539
720
705
3.Operating profit
132
132
(83)
(345)
(184)
784
784
(83)
(357)
(182)
784
784
(457)
(357)
(186)
13,640
13,640
13,640
13,640
13,640
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
633
633
657
(334)
93
205.17%
51.81%
a.Fixed assets
b.Long-term investments
c.Other non-current assets
E.Other items
40.14%
40.14%
-248.37%
40.14%
40.14%
-45.11%
205.17%
50.70%
14.06%
14.06%
-12.99%
-11.33%
-4.38%
197.48%
197.48%
-100.22%
-95.20%
-35.70%
33.80%
33.80%
-117.94%
-201.68%
-379.03%
0.00%
0.00%
0.00%
0.00%
0.00%
0.06
0.06
-0.03
-0.03
-0.01
0.20
0.20
0.28
0.18
0.22
0.65
0.65
0.95
1.06
1.08
86.89%
86.89%
73.07%
81.15%
1.41%
35.03%
35.03%
5.23%
-5.52%
-8.46%
0.14
0.14
0.01
-0.01
-0.03
1.Cash generated from operating activities to profit after tax. (E4/D6) (times)
0.81
0.81
-1.44
0.94
-0.50
0.17
0.17
0.20
-0.10
0.02
G.Liquidity Ratios
153
2012
EXCHANGE COMPANIES
PERFORMANCE AT A GLANCE
Exchange Companies exhibited an expansion in their balance sheet size during the period under
review. Total assets increased by 6.1 percent to stand at Rs 8.0 billion in CY12 as compared to Rs 7.6
billion in CY11.Increases in profit before and after taxation of 63.9 percent and 61.0 percent
respectively was recorded in CY12 over CY11.
9,000
8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
20%
8%
10%
0%
-2%
-10%
-20%
-30%
Total Equity
Total
Liabilities
Total Assets
CY 11
6,201.9
1,355.1
7,584.6
CY 12
6,672.9
1,327.3
8,045.4
8%
-2%
6%
6%
Growth
business. Further, the formation of total equity has mainly been through share capital which was
around 88.4 percent and 88.7 percent in CY11 and CY12 respectively.
2490.7
2500
1963.1
1711.3
2084.8
700.0
600.0
1500
Million Rs.
Million Rs.
2000
1000
500
0
245.9
500.0
400.0
152.7
300.0
200.0
436.3
266.2
100.0
CY 11
Revenue
CY 12
0.0
CY 11
CY 12
Administrative and general expenses were 87.2 percent of the gross revenue in CY11 which decreased
to 83.7 percent in CY12, showing increased operating efficiency in CY12 compared to CY11. Profit
154
2012
before taxation increased from Rs 266.2 million in CY11 to Rs 436.3 million in CY12 registering an
increase of 63.9 percent. Similarly, profit after taxation increased from Rs 152.7 million in CY11 to
Rs 245.9 million in CY12, recording an increase of 61.0 percent.
Return on capital employed (ROCE) and
Return on Assets (ROA) increased from 4.10
3.7%
ROE
2.5%
6.3%
ROCE
ROA
0.0%
155
CY 12
4.1%
CY 11
3.1%
2.0%
2.0%
4.0%
6.0%
8.0%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
4,998,006
4,505,890
5,527,361
6,201,867
6,672,900
4,895,275
4,130,275
4,941,910
5,485,544
5,916,044
25,000
45,000
65,000
162,775
102,731
350,615
540,451
651,323
594,081
45,348
50,967
5,355
27,555
45,221
1,628,023
1,612,473
1,788,558
1,355,137
1,327,282
1,098,330
1,316,888
1,454,242
1,084,704
1,157,383
529,693
295,585
334,316
270,433
169,899
6,671,377
6,169,330
7,321,274
7,584,559
8,045,403
1.Current assets(a + b)
4,716,762
4,473,486
5,536,325
5,564,756
6,029,941
2,770,981
2,776,536
3,794,976
3,834,681
4,087,892
b.Other assets
1,945,781
1,696,950
1,741,349
1,730,075
1,942,049
1,954,615
1,695,844
1,784,949
2,019,803
2,015,462
2.Non-current liabilities
2.Non-current assets (a + b)
a.Fixed assets
750,108
631,224
643,969
677,553
561,620
b.Other assets
1,204,507
1,064,620
1,140,980
1,342,250
1,453,842
1.Revenue
1,656,131
1,661,192
1,886,101
1,963,110
2,490,744
1,416,706
1,157,100
1,486,355
1,711,264
2,084,773
114,884
426,736
386,327
266,193
436,323
91,581
281,093
254,462
152,745
245,948
271,240
217,240
268,019
273,555
286,005
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(3,407,508)
691,603
215,008
345,777
(87)
1.83%
6.24%
4.60%
2.46%
3.69%
2.06%
8.79%
6.58%
4.10%
6.33%
1.37%
4.56%
3.48%
2.01%
3.06%
12.33
2.71
3.85
6.43
4.78
0.34
1.29
0.95
0.56
0.86
41.54%
45.01%
51.83%
50.56%
50.81%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
4.29
3.40
3.81
5.13
5.21
24.40%
26.14%
24.43%
17.87%
16.50%
74.92%
73.04%
75.50%
81.77%
82.94%
18.43
20.74
20.62
22.67
23.33
-37.21
2.46
0.84
2.26
0.00
-3.10
0.53
0.15
0.32
0.00
156
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
118,497
208,455
211,619
219,742
225,706
115,000
200,000
200,000
200,000
200,000
3,497
8,455
11,619
19,742
25,706
30,000
45,170
13,324
113,495
151,143
225,334
22,862
12,883
110,497
146,762
219,896
2.Non-current liabilities
22,308
441
2,998
4,381
5,438
193,667
221,779
325,114
370,885
451,040
1.Current assets(a + b)
150,341
160,080
229,909
276,113
352,724
138,070
151,615
171,084
206,215
197,817
12,271
8,465
58,825
69,898
154,907
43,326
61,699
95,205
94,772
98,316
6,292
4,442
33,090
31,881
33,695
b.Other assets
37,034
57,257
62,115
62,891
64,621
1.Revenue
22,607
52,020
95,228
111,056
147,691
20,722
43,362
87,977
96,843
133,508
2,454
6,981
5,420
11,902
9,749
1,296
4,957
3,164
8,123
5,964
11,500
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
14,779
(1,468)
57,635
39,335
(539)
1.09%
2.38%
1.50%
3.70%
2.64%
1.44%
3.34%
2.53%
5.31%
4.22%
0.67%
2.24%
0.97%
2.19%
1.32%
8.44
6.21
16.23
8.14
13.69
0.11
0.25
0.16
0.41
0.30
71.29%
68.36%
52.62%
55.60%
43.86%
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
6.58
12.43
2.08
1.88
1.60
23.32%
6.01%
34.91%
40.75%
49.96%
61.19%
93.99%
65.09%
59.25%
50.04%
10.30
10.42
10.58
10.99
11.29
11.40
-0.30
18.22
4.84
-0.09
0.65
-0.11
0.52
0.27
0.00
157
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
198,148
198,544
199,585
199,626
204,769
200,000
200,000
200,000
200,000
200,000
(415)
(374)
4,769
(1,852)
2012
(1,456)
4,826
4,584
4,355
4,137
3,930
28,396
33,916
23,193
19,969
30,557
26,900
31,944
21,834
18,514
25,458
1,496
1,972
1,359
1,455
5,099
231,370
237,044
227,133
223,732
239,256
1.Current assets(a + b)
52,105
59,597
61,746
64,846
161,909
23,714
15,146
7,427
9,055
111,889
b.Other assets
28,391
44,451
54,319
55,791
50,020
179,265
177,447
165,387
158,886
77,347
a.Fixed assets
124,396
119,111
113,706
108,886
32,212
b.Other assets
54,869
58,336
51,681
50,000
45,135
11,094
8,158
5,520
7,556
9,266
7,877
9,522
8,895
10,206
7,562
(660)
630
243
(5,084)
(1,527)
1,049
154
812
(177)
(5,263)
2.Non-current liabilities
2.Non-current assets (a + b)
E.Other items
200
200
200
200
200
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(19,602)
(7,477)
(7,477)
1,746
13,725
0.53%
0.08%
0.41%
-0.09%
-2.57%
-0.32%
0.31%
0.12%
-2.48%
-0.71%
0.45%
0.06%
0.36%
-0.08%
-2.20%
-11.93
15.11
36.60
-2.01
-4.95
5.25
0.77
4.06
-0.89
-26.32
10.25%
6.39%
3.27%
4.05%
46.77%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
1.94
1.87
2.83
3.50
6.36
12.27%
14.31%
10.21%
8.93%
12.77%
85.64%
83.76%
87.87%
89.23%
85.59%
990.74
992.72
997.93
998.13
1,023.85
-18.69
-48.55
-9.21
-9.86
-2.61
-0.73
-0.23
-0.34
0.09
0.54
158
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
199,356
200,662
201,231
205,015
204,574
205,410
205,410
205,410
205,410
205,410
(6,054)
(4,748)
(395)
(836)
(4,179)
636
788
337
276
677
636
788
337
276
677
199,992
201,450
201,568
205,291
205,251
1.Current assets(a + b)
139,121
141,096
142,001
145,122
146,111
137,141
140,310
138,737
141,403
141,695
1,980
786
3,264
3,719
4,416
60,871
60,354
59,567
60,169
59,140
2.Non-current liabilities
9,334
8,776
7,957
7,132
6,317
b.Other assets
51,537
51,578
51,610
53,037
52,823
1.Revenue
6,409
4,712
619
4,477
7,021
5,168
6,727
8,616
11,017
1,241
1,306
664
2,481
(70)
1,167
1,306
569
3,783
(441)
E.Other items
2,054
2,054
2,054
2,054
2,054
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
7,610
4,053
786
2,898
788
0.59%
0.65%
0.28%
1.85%
-0.22%
0.62%
0.65%
0.33%
1.21%
-0.03%
0.58%
0.65%
0.28%
1.84%
-0.21%
4.16
5.15
-12.15
3.47
-157.39
0.57
0.64
0.28
1.84
-0.21
68.57%
69.65%
68.83%
68.88%
69.03%
218.74
179.06
421.37
525.80
215.82
0.32%
0.39%
0.17%
0.13%
0.33%
99.68%
99.61%
99.83%
99.87%
99.67%
97.06
97.69
97.97
99.81
99.59
6.52
3.10
1.38
0.77
-1.79
11.97
5.14
2.33
10.50
1.16
G.Liquidity ratios
159
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
195,212
193,335
195,581
211,852
200,000
200,000
200,000
200,000
(4,788)
2012
(6,665)
(4,419)
0
11,852
6,069
31,814
41,601
38,161
6,069
31,814
41,601
38,161
201,281
225,149
237,182
250,013
1.Current assets(a + b)
147,208
172,779
181,454
195,763
137,428
151,940
175,204
184,826
9,780
20,839
6,250
10,937
54,073
52,370
55,728
54,250
a.Fixed assets
3,920
2,197
5,180
4,214
b.Other assets
50,153
50,173
50,548
50,036
1.Revenue
39,058
2,594
55,727
39,269
2,410
5,548
48,951
3,797
4,152
3,455
12,867
2,468
2,699
2,245
16,271
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
4,376
11,478
(943)
1.26%
1.40%
1.15%
7.68%
1.95%
2.15%
1.77%
6.07%
1.23%
1.20%
0.95%
6.51%
10.34
0.58
1.61
3.80
0.12
0.13
0.11
0.81
68.28%
67.48%
73.87%
73.93%
2.Non-current liabilities
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
24.26
5.43
4.36
5.13
3.02%
14.13%
17.54%
15.26%
96.98%
85.87%
82.46%
84.74%
9.76
9.67
9.78
10.59
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
1.77
0.00
5.11
-0.06
0.72
0.00
0.28
-0.02
160
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
99,179
94,580
105,268
1.Share capital
100,000
100,000
105,500
2.Reserves
(821)
4.Others
1,691
574
2,464
1.Current liabilities
1,691
574
2,464
Items
A.Total equity (A1 to A3)
(5,420)
0
(232)
2.Non-current liabilities
100,870
95,154
107,732
1.Current assets(a + b)
99,672
64,947
72,926
99,306
64,457
72,068
b.Other assets
366
490
858
30,207
34,806
1,198
a.Fixed assets
464
4,535
6,124
b.Other assets
734
25,672
28,682
1.Revenue
1,681
19,322
821
5,798
12,048
(4,582)
3,426
(4,599)
5,188
2.Non-current assets (a + b)
(821)
(821)
10,000
10,000
10,550
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
586
(4,893)
5,715
-0.83%
-4.86%
4.93%
-0.83%
-4.84%
3.25%
-0.81%
-4.83%
4.82%
-1.00
-1.27
3.52
-0.08
-0.46
0.49
98.45%
67.74%
66.90%
58.94
113.15
29.60
1.68%
0.60%
2.29%
98.32%
99.40%
97.71%
9.92
9.46
9.98
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
-0.71
1.06
1.10
0.35
-8.52
2.32
E.Other items
G.Liquidity ratios
161
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
163,875
169,434
283,984
297,658
400,019
200,000
200,000
300,000
300,000
400,000
(36,125)
(30,566)
(16,016)
(2,342)
0
0
19
1,700
71,030
217,859
204,869
(1,780)
20,385
71,030
216,159
202,182
(3,967)
18,398
1,700
2,687
2,187
1,987
236,605
387,293
488,853
295,878
420,404
1.Current assets(a + b)
145,795
294,820
362,796
156,186
255,607
2.Non-current liabilities
44,214
26,990
42,822
61,663
68,577
101,581
267,830
319,974
94,523
187,030
90,810
92,473
126,057
139,692
164,797
a.Fixed assets
26,886
28,715
36,196
50,402
52,270
b.Other assets
63,924
63,758
89,861
89,290
112,527
1.Revenue
82,406
105,399
117,167
143,169
187,954
84,248
104,130
111,744
138,444
171,966
478
8,713
11,991
15,105
26,302
66
5,558
14,551
13,674
2,361
E.Other items
2,000
2,000
3,000
3,000
4,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(30,930)
(8,068)
(41,700)
42,723
(56,916)
0.04%
3.28%
5.12%
4.59%
0.59%
0.29%
5.09%
4.18%
6.54%
0.03%
1.44%
2.98%
4.62%
0.56%
176.25
11.95
9.32
9.17
6.54
0.03
2.78
4.85
4.56
0.59
18.69%
6.97%
8.76%
20.84%
16.31%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
2.05
1.36
1.79
-39.37
13.89
30.02%
56.25%
41.91%
-0.60%
4.85%
69.26%
43.75%
58.09%
100.60%
95.15%
81.94
84.72
94.66
99.22
100.00
-468.64
-1.45
-2.87
3.12
-24.11
-0.44
-0.04
-0.21
-10.77
-3.09
162
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
192,846
205,248
206,933
196,669
181,511
200,000
200,000
200,000
200,000
200,000
5,248
6,933
(7,154)
2012
(3,331)
0
(18,489)
14,069
12,343
25,515
4,467
5,365
14,069
10,343
23,515
1,467
1,365
2,000
2,000
3,000
4,000
206,915
217,591
232,448
201,136
186,876
1.Current assets(a + b)
137,702
143,503
167,485
134,683
121,554
120,512
135,273
156,376
67,965
83,178
17,190
8,230
11,109
66,718
38,376
69,213
74,088
64,963
66,453
65,322
a.Fixed assets
13,543
12,592
13,032
14,457
12,549
b.Other assets
55,670
61,496
51,931
51,996
52,773
1.Revenue
21,590
33,191
27,373
17,258
11,701
17,253
19,658
24,845
25,525
24,144
(3,263)
13,515
2,526
(10,059)
(12,442)
(3,277)
12,402
1,685
(10,264)
(15,158)
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(1,920)
19,983
13,602
(85,084)
16,193
-1.70%
6.04%
0.81%
-5.22%
-8.35%
-1.69%
6.52%
1.21%
-5.04%
-6.71%
-1.58%
5.70%
0.72%
-5.10%
-8.11%
-5.29
1.45
9.84
-2.54
-1.94
-0.16
0.62
0.08
-0.51
-0.76
58.24%
62.17%
67.27%
33.79%
44.51%
2.Non-current liabilities
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
9.79
13.87
7.12
91.81
89.05
6.80%
5.67%
10.98%
2.22%
2.87%
93.20%
94.33%
89.02%
97.78%
97.13%
9.64
10.26
10.35
9.83
9.08
0.59
1.61
8.07
8.29
-1.07
-0.14
1.93
0.58
-58.00
11.86
163
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
202,979
209,851
209,279
210,811
227,085
210,000
210,000
210,000
210,000
210,000
(149)
(721)
811
17,085
(7,021)
2012
729
642
837
813
2,792
729
642
837
813
2,792
203,708
210,493
210,116
211,624
229,877
1.Current assets(a + b)
93,737
92,083
103,153
106,807
173,898
76,157
85,878
100,076
101,810
156,230
b.Other assets
17,580
6,205
3,077
4,997
17,668
109,971
118,410
106,963
104,817
55,979
a.Fixed assets
59,971
57,110
54,363
52,217
3,379
b.Other assets
50,000
61,300
52,600
52,600
52,600
1.Revenue
33,618
44,343
40,501
44,163
62,772
32,500
38,123
40,899
42,166
44,394
1,118
6,220
(398)
1,997
18,378
1,118
6,220
(572)
1,532
16,274
21,000
21,000
21,000
21,000
21,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
1,971
6,714
6,058
2,746
(4,875)
0.55%
2.96%
-0.27%
0.73%
7.17%
0.55%
2.96%
-0.19%
0.95%
8.09%
0.55%
2.95%
-0.27%
0.72%
7.08%
29.07
6.13
-102.76
21.11
2.42
0.05
0.30
-0.03
0.07
0.77
37.39%
40.80%
47.63%
48.11%
67.96%
128.58
143.43
123.24
131.37
62.28
0.36%
0.30%
0.40%
0.38%
1.21%
99.64%
99.70%
99.60%
99.62%
98.79%
9.67
9.99
9.97
10.04
10.81
2.Non-current liabilities
2.Non-current assets (a + b)
E.Other items
G.Liquidity ratios
1.76
1.08
-10.59
1.79
-0.30
2.70
10.46
7.24
3.38
-1.75
164
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
279,854
335,913
365,636
386,019
436,017
300,000
300,000
300,000
300,000
400,000
25,000
45,000
65,000
10,900
(20,146)
10,913
20,636
21,019
25,117
51,800
59,200
71,245
17,124
59,913
51,800
57,836
69,931
16,048
58,352
1,364
1,314
1,076
1,561
331,654
395,113
436,881
403,143
495,930
1.Current assets(a + b)
199,005
301,105
342,427
309,252
377,472
117,435
280,431
322,275
292,911
338,515
81,570
20,674
20,152
16,341
38,957
132,649
94,008
94,454
93,891
118,458
a.Fixed assets
11,382
10,598
12,016
12,425
12,878
b.Other assets
121,267
83,410
82,438
81,466
105,580
2.Non-current liabilities
89,719
155,128
114,683
101,574
110,006
186,804
49,596
57,370
55,800
61,725
(105,384)
95,083
44,959
33,145
40,032
(68,948)
56,059
29,723
20,382
24,999
E.Other items
300
300
300
300
400
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(182,589)
164,232
45,787
(26,630)
41,553
-24.64%
16.69%
8.13%
5.28%
5.73%
-37.66%
28.19%
12.25%
8.56%
9.15%
-20.79%
14.19%
6.80%
5.06%
5.04%
-1.77
0.52
1.28
1.68
1.54
-229.83
186.86
99.08
67.94
62.50
35.41%
70.97%
73.77%
72.66%
68.26%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
3.84
5.21
4.90
19.27
6.47
15.62%
14.98%
16.31%
4.25%
12.08%
84.38%
85.02%
83.69%
95.75%
87.92%
932.85
1,119.71
1,218.79
1,286.73
1,090.04
2.65
2.93
1.54
-1.31
1.66
-3.52
2.84
0.65
-1.66
0.71
165
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
209,247
259,990
493,422
535,043
559,779
214,865
214,865
400,000
400,000
400,000
45,125
93,422
135,043
159,779
(5,618)
2012
(274)
21,588
10,447
10,603
10,728
7,915
21,588
10,200
10,079
9,588
7,735
247
524
1,140
180
230,561
270,437
504,025
545,771
567,694
1.Current assets(a + b)
221,829
210,745
388,042
425,978
451,583
385,617
2.Non-current liabilities
91,113
202,769
310,952
364,116
130,716
7,976
77,090
61,862
65,966
8,732
59,692
115,983
119,793
116,111
a.Fixed assets
5,347
4,781
10,369
14,151
11,451
b.Other assets
3,385
54,911
105,614
105,642
104,660
1.Revenue
35,358
115,692
127,153
131,400
112,886
28,912
37,613
52,849
65,781
74,672
6,322
78,065
74,304
65,618
38,214
9,012
50,742
48,298
41,621
24,735
21,486
21,486
40,000
40,000
40,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
16,196
42,766
(19,391)
59,817
23,951
E.Other items
4.31%
19.52%
9.79%
7.78%
4.42%
3.03%
30.00%
15.04%
12.24%
6.82%
3.91%
18.76%
9.58%
7.63%
4.36%
4.57
0.48
0.71
1.00
1.95
0.42
2.36
1.21
1.04
0.62
39.52%
74.98%
61.69%
66.72%
67.93%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
10.28
20.66
38.50
44.43
58.38
9.36%
3.86%
2.10%
1.97%
1.39%
90.76%
96.14%
97.90%
98.03%
98.61%
9.74
12.10
12.34
13.38
13.99
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
1.80
0.84
-0.40
1.44
0.97
0.75
4.19
-1.92
6.24
3.10
166
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
245,622
320,288
375,658
376,192
364,860
200,000
200,000
200,000
200,000
200,000
45,622
120,288
175,658
176,192
164,860
29,063
24,732
34,209
66,654
83,205
26,137
20,177
27,325
59,657
74,710
2,926
4,555
6,884
6,997
8,495
274,685
345,020
409,867
442,846
448,065
1.Current assets(a + b)
236,204
275,737
328,491
362,070
367,281
146,386
122,657
166,030
201,968
197,337
89,818
153,080
162,461
160,102
169,944
38,481
69,283
81,376
80,776
80,784
a.Fixed assets
13,073
18,915
31,173
30,037
29,371
b.Other assets
25,408
50,368
50,203
50,739
51,413
1.Revenue
54,473
142,553
189,170
173,700
220,445
27,904
58,743
99,654
128,095
171,328
26,569
83,810
89,516
47,087
49,125
24,608
74,666
70,370
24,844
10,669
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(3,419,457)
(17,330)
70,204
60,330
20,533
10.02%
23.31%
18.73%
6.60%
2.92%
10.69%
25.80%
23.40%
12.29%
13.16%
8.96%
21.64%
17.17%
5.61%
2.38%
1.05
0.70
1.11
2.72
3.49
1.23
3.73
3.52
1.24
0.53
53.29%
35.55%
40.51%
45.61%
44.04%
2.Non-current liabilities
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
9.04
13.67
12.02
6.07
4.92
10.58%
7.17%
8.35%
15.05%
18.57%
89.42%
92.83%
91.65%
84.95%
81.43%
12.28
16.01
18.78
18.81
18.24
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
-138.96
-0.23
1.00
2.43
1.92
-130.83
-0.86
2.57
1.01
0.27
167
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
209,424
218,458
213,883
215,292
336,076
200,000
200,000
200,000
200,000
300,000
9,424
18,458
13,883
15,292
36,076
23,533
96,178
25,959
64,009
1,252
22,233
94,878
25,959
64,009
1,252
1,300
1,300
232,957
314,636
239,842
279,301
337,328
1.Current assets(a + b)
134,402
216,527
178,781
220,281
249,236
121,344
201,144
154,013
194,376
220,301
13,058
15,383
24,768
25,905
28,935
98,555
98,109
61,061
59,020
88,092
a.Fixed assets
46,466
45,253
8,369
7,802
12,244
b.Other assets
52,089
52,856
52,692
51,218
75,848
1.Revenue
24,851
44,202
33,925
39,974
57,563
22,528
37,568
39,245
45,855
44,192
4,709
9,955
(3,781)
803
20,871
3,774
9,137
(4,574)
803
20,871
2.Non-current liabilities
E.Other items
200
200
200
200
300
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
17,271
83,304
(79,639)
40,661
(68,721)
1.80%
4.18%
-2.14%
0.37%
6.21%
2.23%
4.53%
-1.77%
0.37%
6.21%
1.62%
2.90%
-1.91%
0.29%
6.19%
4.78
3.77
-10.38
57.10
2.12
18.87
45.69
-22.87
4.02
69.57
52.09%
63.93%
69.59%
65.31%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
64.21%
6.05
2.28
6.89
3.44
199.07
10.10%
30.57%
10.82%
22.92%
0.37%
69.43%
89.18%
77.08%
99.63%
1,047.12
1,092.29
1,069.42
1,076.46
1,120.25
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
4.58
9.12
17.41
50.64
-3.29
0.78
0.88
-3.07
0.64
-54.89
168
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
362,892
512,490
534,596
555,244
594,176
300,000
300,000
300,000
300,000
405,000
151,875
62,892
212,490
234,596
255,244
37,301
22,218
40,091
513,525
379,283
301,841
229,327
152,337
62,877
117,123
107,117
109,200
114,094
2.Non-current liabilities
450,648
262,160
194,724
120,127
38,243
876,417
891,773
836,437
806,789
786,604
1.Current assets(a + b)
775,273
793,626
822,751
794,898
771,885
189,773
190,379
215,117
62,407
166,553
b.Other assets
585,500
603,247
607,634
732,491
605,332
101,144
98,147
13,686
11,891
14,719
a.Fixed assets
9,331
11,278
12,229
10,552
12,674
b.Other assets
91,813
86,869
1,457
1,339
2,045
2.Non-current assets (a + b)
125,569
126,338
126,533
148,003
28,743
32,055
43,057
53,650
59,986
71,712
56,221
50,296
43,703
64,947
46,497
24,320
22,106
20,648
38,932
30,000
30,000
30,000
30,000
40,500
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
16,024
16,024
(27,420)
14,104
38,619
12.81%
4.75%
4.14%
3.72%
6.55%
8.81%
7.26%
6.90%
6.26%
9.66%
5.31%
2.73%
2.64%
2.56%
4.95%
0.40
0.57
0.86
1.23
0.92
1.55
0.81
0.74
0.69
0.96
21.65%
21.35%
25.72%
7.74%
21.17%
1.Revenue
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
12.33
6.78
7.68
7.28
6.77
58.59%
42.53%
36.09%
28.42%
19.37%
41.41%
57.47%
63.91%
68.82%
75.54%
12.10
17.08
17.82
18.51
14.67
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
0.34
0.66
-1.24
0.68
0.99
0.25
0.14
-0.26
0.13
0.34
169
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
199,996
203,284
189,823
180,614
185,970
200,000
200,000
200,000
200,000
200,000
(4)
3,284
(10,177)
(19,386)
(14,030)
1,500
1,200
1,000
1,200
1,200
1,966
18,046
1,133
1,435
3,308
1,966
18,046
1,133
1,435
3,308
203,462
222,530
191,956
183,249
190,478
1.Current assets(a + b)
138,891
155,110
127,032
120,820
127,822
92,089
122,081
125,297
109,905
98,203
b.Other assets
46,802
33,029
1,735
10,915
29,619
64,571
67,420
64,924
62,429
62,656
a.Fixed assets
13,479
12,528
12,487
11,525
11,196
b.Other assets
51,092
54,892
52,437
50,904
51,460
1.Revenue
32,859
20,472
3,329
6,484
19,021
32,679
21,024
21,438
19,548
20,052
342
5,682
(13,445)
(9,137)
5,331
178
3,289
(13,461)
(9,209)
5,356
2.Non-current liabilities
2.Non-current assets (a + b)
E.Other items
1.No. of ordinary shares (000)
20,000
2,000
2,000
2,000
2,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(23,061)
30,665
4,326
(17,108)
(12,427)
0.09%
1.62%
-7.09%
-5.10%
2.88%
0.17%
2.78%
-7.05%
-5.03%
2.85%
0.09%
1.48%
-7.01%
-5.03%
2.81%
95.55
3.70
-1.59
-2.14
3.76
0.01
1.64
-6.73
-4.60
2.68
45.26%
54.86%
65.27%
59.98%
51.56%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C)
70.65
8.60
112.12
84.20
38.64
0.97%
8.11%
0.59%
0.78%
1.74%
98.30%
91.35%
98.89%
98.56%
97.63%
10.00
101.64
94.91
90.31
92.99
-129.56
9.32
-0.32
1.86
-2.32
-11.73
1.70
3.82
-11.92
-3.76
170
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
144,817
146,379
148,337
205,743
208,581
200,000
200,000
200,000
250,000
250,000
(55,183)
(53,621)
(51,663)
(44,257)
(41,419)
45,183
41,556
1,668
89,961
36,957
3,312
573
1,668
6,635
3,630
2,480
2.Non-current liabilities
40,983
83,326
33,327
832
186,373
193,230
238,298
242,700
211,893
1.Current assets(a + b)
62,845
68,134
113,546
115,773
72,605
60,358
65,207
110,603
77,890
34,793
2,487
2,927
2,943
37,883
37,812
123,528
125,096
124,752
126,927
139,288
a.Fixed assets
66,128
69,148
68,028
67,279
65,653
b.Other assets
57,400
55,948
56,724
59,648
73,635
1.Revenue
39,394
45,667
58,399
75,339
79,174
41,413
49,410
61,190
72,570
79,745
644
2,403
3,012
8,214
4,723
434
1,562
1,958
7,406
2,837
E.Other items
2,000
2,000
2,000
2,500
2,500
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.30%
1.07%
1.32%
3.60%
1.36%
0.35%
1.25%
1.30%
3.44%
2.26%
0.23%
0.81%
0.82%
3.05%
1.34%
64.31
20.56
20.32
8.83
16.88
0.22
0.78
0.98
2.96
1.13
32.39%
33.75%
46.41%
32.09%
16.42%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
109.68
40.85
17.11
31.89
29.28
22.30%
0.86%
37.75%
15.23%
1.56%
77.70%
75.75%
62.25%
84.77%
98.44%
72.41
73.19
74.17
82.30
83.43
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
171
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
204,406
208,093
320,971
413,441
427,324
200,000
200,000
300,000
400,000
400,000
4,406
8,093
20,971
13,441
27,324
18,540
400,075
312,275
273,121
279,347
9,904
382,915
286,579
237,727
244,998
8,636
17,160
25,696
35,394
34,349
222,946
608,168
633,246
686,562
706,671
1.Current assets(a + b)
152,503
523,598
544,550
556,912
545,519
90,404
267,979
435,977
459,776
380,689
b.Other assets
62,099
255,619
108,573
97,136
164,830
70,443
84,570
88,696
129,650
161,152
a.Fixed assets
17,770
32,491
36,037
46,550
53,650
b.Other assets
52,673
52,079
52,659
83,100
107,502
1.Revenue
221,403
353,552
416,252
430,936
558,604
209,767
310,405
400,090
436,796
544,856
8,313
9,972
19,364
1,413
19,757
5,539
3,687
12,877
(7,529)
13,883
2.Non-current liabilities
2.Non-current assets (a + b)
E.Other items
2,000
2,000
2,000
4,000
4,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(6,268)
19,425
167,546
75,877
(38,242)
2.71%
1.77%
4.01%
-1.82%
3.25%
3.90%
4.43%
5.59%
0.31%
4.28%
2.48%
0.61%
2.03%
-1.10%
1.96%
25.23
31.13
20.66
309.13
27.58
2.77
1.84
6.44
-1.88
3.47
40.55%
44.06%
68.85%
66.97%
53.87%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
15.40
1.37
1.90
2.34
2.23
8.32%
65.78%
49.31%
39.78%
39.53%
91.68%
34.22%
50.69%
60.22%
60.47%
102.20
104.05
160.49
103.36
106.83
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
-1.13
5.27
13.01
-10.08
-2.75
-0.63
0.05
0.58
0.32
-0.16
172
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
189,819
187,019
197,298
197,992
226,747
200,000
200,000
200,000
200,000
200,000
(10,181)
(12,981)
(2,702)
(2,008)
0
26,747
11,423
75,119
53,026
91,615
64,339
11,423
75,119
53,026
49,251
16,119
42,364
48,220
201,242
262,138
250,324
289,607
291,086
1.Current assets(a + b)
114,215
182,878
125,537
168,440
180,010
35,749
106,747
103,117
130,454
112,660
b.Other assets
78,466
76,131
22,420
37,986
67,350
87,027
79,260
124,787
121,167
111,076
a.Fixed assets
80,936
75,786
68,043
61,435
55,563
b.Other assets
6,091
3,474
56,744
59,732
55,513
2.Non-current liabilities
2.Non-current assets (a + b)
35,797
36,391
31,454
85,255
(11,128)
36,097
27,097
33,807
45,017
22,656
(299)
9,294
(2,352)
40,239
27,486
(2,800)
10,279
694
28,755
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
12,327
74,696
(2,737)
28,793
(19,497)
14.48%
-1.50%
5.21%
0.35%
12.68%
11.94%
-0.16%
4.71%
-0.98%
14.63%
13.66%
-1.07%
4.11%
0.24%
9.88%
-0.49
-120.73
2.92
-14.37
1.12
1.37
-0.14
0.51
0.03
1.44
17.76%
40.72%
41.19%
45.05%
38.70%
1.Revenue
2.Administrative and general expenses
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
10.00
2.43
2.37
3.42
11.17
5.68%
28.66%
21.18%
31.63%
22.10%
94.32%
71.34%
78.82%
68.37%
77.90%
9.49
9.35
9.86
9.90
11.34
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
0.45
-26.68
-0.27
41.49
-0.68
1.08
0.99
-0.05
0.58
-1.21
173
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
92,707
84,354
1.Share capital
100,000
100,000
2.Reserves
4.Others
1,111
1,559
1.Current liabilities
1,111
1,098
Items
A.Total equity (A1 to A3)
(7,293)
0
(15,646)
2.Non-current liabilities
461
93,818
85,913
1.Current assets(a + b)
55,884
51,789
54,897
50,425
b.Other assets
987
1,364
37,934
34,124
a.Fixed assets
7,760
7,047
b.Other assets
30,174
27,077
1.Revenue
47
15,013
11,237
19,289
(3,845)
(8,353)
2.Non-current assets (a + b)
(11,190)
(7,293)
100
100
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
(10,776)
(2,565)
-7.87%
-9.90%
-12.07%
-4.53%
-7.77%
-9.72%
-1.00
-5.02
-72.93
-83.53
58.51%
58.69%
50.30
47.17
1.18%
1.81%
98.82%
98.19%
927.07
843.54
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
1.48
0.31
-9.70
-2.34
E.Other items
G.Liquidity ratios
174
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
200,059
205,138
224,521
435,700
447,734
200,000
200,000
200,000
400,000
400,000
59
5,138
24,521
35,700
47,734
4,756
39,284
227,518
34,199
91,906
4,756
36,913
215,543
21,540
79,165
2,371
11,975
12,659
12,741
204,815
244,422
452,039
469,899
539,640
1.Current assets(a + b)
94,900
120,444
321,517
273,496
346,122
55,329
109,950
251,747
216,850
256,495
b.Other assets
39,571
10,494
69,770
56,646
89,627
109,915
123,978
130,522
196,403
193,518
a.Fixed assets
66,313
70,035
72,472
79,925
79,020
b.Other assets
43,602
53,943
58,050
116,478
114,498
1.Revenue
20,932
53,807
116,287
120,631
150,315
24,102
49,901
96,420
114,723
146,321
1,313
7,678
30,968
14,549
17,924
911
5,079
19,383
11,179
12,034
2.Non-current liabilities
2.Non-current assets (a + b)
E.Other items
2,000
2,000
2,000
4,000
4,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(22,255)
71,664
(50,289)
29,703
43,676
0.46%
2.48%
8.63%
2.57%
2.69%
0.66%
3.70%
13.09%
3.24%
3.89%
0.44%
2.08%
4.29%
2.38%
2.23%
18.36
6.50
3.11
7.89
8.16
0.46
2.54
9.69
2.79
3.01
27.01%
44.98%
55.69%
46.15%
47.53%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
19.95
3.26
1.49
12.70
4.37
2.32%
16.07%
50.33%
7.28%
17.03%
97.68%
83.93%
49.67%
92.72%
82.97%
100.03
102.57
112.26
108.93
111.93
-24.43
14.11
-2.59
2.66
3.63
-4.68
1.94
-0.23
1.38
0.55
175
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
210,320
209,160
202,031
208,955
207,906
200,000
200,000
200,000
200,000
200,000
10,320
9,160
2,031
8,955
7,906
2,196
1,445
676
582
763
1,326
1,130
416
464
763
870
315
260
118
212,516
210,605
202,707
209,537
208,669
1.Current assets(a + b)
154,051
157,178
147,312
155,287
155,428
139,625
150,026
142,343
151,779
152,748
14,426
7,152
4,969
3,508
2,680
58,465
53,427
55,395
54,250
53,241
2.Non-current liabilities
4,294
3,160
3,679
3,947
2,841
b.Other assets
54,171
50,267
51,716
50,303
50,400
1.Revenue
28,849
40,808
22,948
16,148
18,145
11,630
11,407
11,833
11,597
11,777
19,236
29,003
13,643
10,795
13,935
12,341
18,841
8,870
6,924
8,951
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(402)
22,483
4,979
4,005
4,276
5.87%
9.01%
4.39%
3.31%
4.31%
9.11%
13.85%
6.74%
5.16%
6.70%
5.81%
8.95%
4.38%
3.30%
4.29%
0.60
0.39
0.87
1.07
0.85
0.62
0.94
0.44
0.35
0.45
65.70%
71.24%
70.22%
72.44%
73.20%
116.18
139.10
354.12
334.67
203.71
1.03%
0.69%
0.33%
0.28%
0.37%
98.97%
99.31%
99.67%
99.72%
99.63%
10.52
10.46
10.10
10.45
10.40
E.Other items
G.Liquidity ratios
-0.03
1.19
0.56
0.58
0.48
-0.30
19.90
11.97
8.63
5.60
176
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
181,454
169,087
264,895
269,262
281,003
200,000
200,000
300,000
300,000
300,000
(18,546)
(30,913)
(35,105)
(30,738)
(18,997)
844
2,350
10,974
11,923
17,772
844
2,350
10,405
5,715
9,479
569
6,208
8,293
182,298
171,437
275,869
281,185
298,775
1.Current assets(a + b)
128,595
111,676
219,829
198,728
211,514
118,644
102,184
206,189
181,871
188,021
9,951
9,492
13,640
16,857
23,493
53,703
59,761
56,040
82,457
87,261
2.Non-current liabilities
3,620
4,261
6,040
6,928
8,422
b.Other assets
50,083
55,500
50,000
75,529
78,839
1.Revenue
22,059
50,660
69,855
73,425
75,315
20,439
48,044
64,219
66,581
61,419
(18,134)
(17,423)
5,636
6,845
13,895
(18,584)
(12,368)
1,394
4,367
11,742
E.Other items
2,000
2,000
3,000
3,000
3,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(237)
(14,868)
1,224
2,702
10,428
-10.24%
-7.31%
0.53%
1.62%
4.18%
-9.99%
-10.30%
2.12%
2.48%
4.80%
-10.19%
-7.21%
0.51%
1.55%
3.93%
-1.13
-2.76
11.39
9.73
4.42
-9.29
-6.18
0.46
1.46
3.91
65.08%
59.60%
74.74%
64.68%
62.93%
152.36
47.52
21.13
34.77
22.31
0.46%
1.37%
3.98%
4.24%
5.95%
99.54%
98.63%
96.02%
95.76%
94.05%
90.73
84.54
88.30
89.75
93.67
0.01
1.20
0.88
0.62
0.89
-0.28
-6.33
0.12
0.47
1.10
G.Liquidity ratios
177
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
105,636
109,217
112,297
117,642
117,642
100,000
100,000
100,000
100,000
100,000
5,636
9,217
12,297
17,642
17,642
4,144
3,193
2,871
3,813
3,813
4,144
3,193
2,871
3,813
3,813
109,780
112,410
115,168
121,455
121,455
1.Current assets(a + b)
108,085
111,175
114,264
120,899
120,899
2.Non-current liabilities
8,841
1,074
947
936
936
99,244
110,101
113,317
119,963
119,963
1,695
1,235
904
556
556
a.Fixed assets
1,344
1,066
805
556
556
b.Other assets
351
169
99
1.Revenue
8,116
9,502
8,842
9,480
9,480
3,647
3,901
4,018
3,561
3,561
4,469
5,601
4,824
5,918
5,918
2,858
3,581
3,080
3,733
3,733
10,000
10,000
10,000
10,000
10,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(2,088)
2,617
2,839
1,517
1,517
2.71%
3.28%
2.74%
3.17%
3.17%
4.23%
5.13%
4.30%
5.03%
5.03%
2.60%
3.19%
2.67%
3.07%
3.07%
0.82
0.70
0.83
0.60
0.60
0.29
0.36
0.31
0.37
0.37
8.05%
0.96%
0.82%
0.77%
0.77%
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
26.08
34.82
39.80
31.71
31.71
3.77%
2.84%
2.49%
3.14%
3.14%
96.23%
97.16%
97.51%
96.86%
96.86%
10.56
10.92
11.23
11.76
11.76
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
-0.73
0.73
0.92
0.41
0.41
-0.50
0.82
0.99
0.40
0.40
178
2012
2008
2009
2010
(Thousand Rupees)
2011
2012
28,354
119,896
142,440
1.Share capital
26,500
120,134
140,134
2.Reserves
1,854
(238)
2,306
4.Others
537
150
1,792
1.Current liabilities
537
150
1,792
Items
A.Total equity (A1 to A3)
28,891
120,046
144,232
1.Current assets(a + b)
25,011
85,790
104,290
24,735
83,258
100,620
b.Other assets
276
2,532
3,670
3,880
34,256
39,942
a.Fixed assets
909
2,357
2,930
b.Other assets
2,971
31,899
37,012
1.Revenue
7,548
8,883
24,436
6,379
10,930
23,548
(2,047)
3,988
(2,091)
2,544
2.Non-current assets (a + b)
1,169
758
265
1,201
1,401
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
1,200
(4,114)
3,706
2.67%
-1.74%
1.79%
4.12%
-1.71%
2.80%
2.62%
-1.74%
1.76%
5.46
-5.34
5.90
2.86
-1.74
1.82
85.61%
69.36%
69.76%
46.58
571.93
58.20
1.86%
0.12%
1.24%
98.14%
99.88%
98.76%
107.00
99.80
101.65
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
1.58
1.97
1.46
2.23
-27.43
2.07
E.Other items
G.Liquidity ratios
179
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
214,479
229,180
250,494
272,443
291,507
200,000
200,000
200,000
200,000
200,000
14,479
29,180
50,494
72,443
91,507
129,048
222,581
243,979
295,326
229,014
129,048
222,581
243,979
295,326
229,014
343,527
451,761
494,473
567,769
520,521
1.Current assets(a + b)
252,630
354,374
397,694
470,090
415,994
134,390
298,696
357,866
423,515
387,699
b.Other assets
118,240
55,678
39,828
46,575
28,295
90,897
97,387
96,779
97,679
104,527
a.Fixed assets
35,333
41,178
40,308
39,634
45,364
b.Other assets
55,564
56,209
56,471
58,045
59,163
1.Revenue
122,726
219,960
268,573
285,148
305,629
107,580
189,814
231,973
247,587
263,695
11,391
23,620
32,791
37,614
44,586
7,283
14,701
21,314
21,949
19,064
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(32,437)
182,188
66,889
75,947
(20,042)
3.40%
6.41%
8.51%
8.06%
6.54%
5.31%
10.31%
13.09%
13.81%
15.30%
2.12%
3.25%
4.31%
3.87%
3.66%
9.44
8.04
7.07
6.58
5.91
0.36
0.74
1.07
1.10
0.95
39.12%
66.12%
72.37%
74.59%
74.48%
2.Non-current liabilities
2.Non-current assets (a + b)
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
1.96
1.59
1.63
1.59
1.82
37.57%
49.27%
49.34%
52.02%
44.00%
62.43%
50.73%
50.66%
47.98%
56.00%
10.72
11.46
12.52
13.62
14.58
1.Cash generated from operating activities to profit after tax. (E4/D4) (times)
-4.45
12.39
3.14
3.46
-1.05
-0.25
0.82
0.27
0.26
-0.09
180
2012
INSURANCE COMPANIES
PERFORMANCE AT A GLANCE
CY12 turned out to be positive for insurance sector in Pakistan. The aggregate insurance business
grew sharply during CY12. Its balance sheet size expanded by 18.8 percent and reached Rs 597.8
billion in CY12. Profit before and after taxation increased considerably during CY12.
ANALYSIS OF EQUITY
Total equity of insurance sector
Components of Equity
50
Billion Rs
in
CY12
over
20
reserves
of
6%
3.7%
10
2.1%
Share Capital
(SC)
Reserves (RS)
Un
Appropriated
Profit (RE)
CY11
27.6
37.4
24.3
CY12
28.6
38.2
28.3
Growth
3.7%
2.1%
16.5%
CY11.
18%
12%
30
16.5%
40
Growth
0%
insurance
companies comprising reserves and un-appropriated profit touched Rs 66.5 billion in CY12 as
compared to Rs. 61.7 billion last year.
ANALYSIS OF ASSETS
Total assets (TA) at Rs. 597.8 billion
Components of Assets
CY11
700
600
500
Growth
21%
20.3%
Billion Rs
CY12
18.8%
18%
15%
400
12%
12.0%
300
9%
200
6%
100
3%
Growth
0%
C&B
IS
TA
181
2012
152.5 billion in CY11 to Rs 167.1 billion in CY12, recording an expansion of 9.6 percent. Total assets
of Life Insurance Sector grew by 22.5 percent over CY11. In absolute terms, it increased from Rs
346.1 billion in CY11 to Rs. 423.9 billion in CY12.
ANALYSIS OF LIABILITIES
Total liabilities (TL) of insurance sector at Rs
Components Of Liabilities
600
500
400
CY11
CY12
Growth
25%
22.7%
20%
17.4%
16.2%
Growth
Billion Rs.
21.2%
15%
300
10%
200
5%
100
0%
TL
BSF
OC
MISC
Gross Premium
151.8
127.2
150
Billion Rs.
200
118.7
98.4
Net Premium
100
50
0
CY11
60
50
40
CY11
CY12
Growth
45%
42.1%
40%
35%
Billion Rs.
CY12
30%
25.6%
25%
30
20%
20
15%
10%
10
5%
0
0%
Investment Income
182
Underwriting Profit
2012
Profitability Ratios
CY11
15%
10%
CY12
13.04%
9.00%
1.60% 2.08%
5%
0%
ROE
35
30
Rs. per Share
40
ROA
CY11
CY12
33.54
32.68
25
20
15
10
5
4.37
2.94
0
EPS
183
BPS
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
79,294,355
84,319,908
86,689,524
89,332,259
95,178,280
1.Share capital
21,001,523
22,291,755
25,452,564
27,621,324
28,648,267
2.Reserves
44,317,746
37,757,097
38,331,444
37,397,162
38,199,607
13,975,086
24,271,056
22,905,516
24,313,773
28,330,406
Items
A.Total equity (A1 to A3)
316,877
819,131
1,953,222
1,116,841
2,307,390
263,404,552
300,169,598
356,996,176
412,653,090
500,286,556
193,936,317
223,525,201
262,756,784
313,603,025
384,889,878
52,695,558
47,774,239
74,314,208
75,264,611
87,473,869
3.Other/misc. liabilities
16,772,677
28,870,158
19,925,184
23,785,454
27,922,809
343,015,784
385,308,637
445,638,922
503,102,190
597,772,226
41,361,289
34,183,294
43,985,108
50,493,163
56,531,992
13,844,094
16,678,112
572,369
752,431
761,247
235,570,708
275,622,467
114,607,048
347,237,422
417,696,631
47,301,536
52,405,483
279,517,845
97,410,110
113,975,088
4,938,157
6,419,281
6,956,552
7,209,064
8,807,268
1.Investment income
14,174,965
36,385,553
32,810,542
38,217,452
47,994,585
2.Gross premium
76,150,980
87,428,602
105,179,540
127,150,259
151,831,439
3.Net premium
60,955,357
66,891,124
80,645,113
98,373,350
118,733,384
4.Gross claims
42,809,380
44,853,530
56,866,547
54,179,993
67,848,999
5.Net claims
34,725,276
35,270,353
38,203,611
42,550,808
49,162,663
6.Underwriting profit
27,183,638
29,215,507
16,328,161
26,484,187
37,639,608
(1,876,153)
7,970,541
8,853,469
10,849,925
15,726,750
(3,422,146)
6,575,665
5,862,322
8,038,880
12,411,199
2,669,063
2,897,533
2,516,580
2,733,462
2,837,699
4.Others
E.Other items
1.No. of ordinary shares (000)
N/A
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
830,219
2,328,621
10,571,042
19,661,576
31,416,611
-4.32%
7.80%
6.76%
9.00%
13.04%
-1.00%
1.71%
1.32%
1.60%
2.08%
-1.28
2.27
2.33
2.94
4.37
56.97%
52.73%
47.37%
43.25%
41.41%
-794.34%
444.30%
278.53%
329.45%
303.27%
23.25%
54.40%
40.69%
38.85%
40.42%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
12.06%
8.87%
9.87%
10.04%
9.46%
68.68%
71.53%
25.72%
69.02%
69.88%
23.12%
21.88%
19.45%
17.76%
15.92%
29.71
29.10
34.45
32.68
33.54
35.41%
180.32%
244.58%
253.13%
184
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
3,845,833
4,552,704
5,859,968
6,242,151
7,726,120
3,550,720
3,632,080
4,612,239
4,612,239
4,812,738
454,004
10,474
189,435
70,723
479,345
(158,891)
910,150
1,058,294
1,559,189
2,434,037
127,208
127,208
24,000
210,435,786
243,297,422
285,052,165
339,861,092
416,132,673
193,737,166
223,481,460
262,079,551
311,994,432
381,293,455
11,796,266
11,277,889
20,403,335
17,263,420
21,992,907
4,902,354
8,538,073
2,569,279
10,603,240
12,846,311
214,408,827
247,977,334
290,912,133
346,103,243
423,882,793
23,248,989
18,748,616
27,764,487
34,318,104
37,883,967
13,715,744
16,542,211
411,115
594,433
598,327
167,762,427
200,982,882
36,942,032
266,227,453
330,191,591
8,872,574
10,410,990
224,883,840
43,920,914
53,847,445
809,093
1,292,635
910,659
1,042,339
1,361,463
1.Investment income
18,922,502
21,371,584
26,491,668
31,003,963
37,795,671
2.Gross premium
33,644,399
40,568,637
52,584,841
67,745,199
87,558,963
3.Net premium
33,475,344
39,775,876
51,369,955
66,253,831
85,942,529
4.Gross claims
19,133,182
21,669,000
22,330,799
25,579,370
32,364,735
5.Net claims
18,330,205
20,921,771
21,335,138
24,513,450
31,095,725
6.Underwriting profit
22,835,966
24,929,952
12,950,017
21,775,752
33,092,513
211,025
1,187,872
1,597,080
2,471,047
3,678,421
(132,100)
1,227,145
1,078,477
1,619,539
2,463,488
280,122
304,208
362,224
362,224
382,274
4.Others
E.Other items
1.No. of ordinary shares (000)
N/A
2.Cash dividend
N/A
2,494,830
N/A
N/A
2,433,056
N/A
N/A
9,951,353
N/A
N/A
N/A
N/A
17,849,089
26,454,963
-3.43%
26.95%
18.40%
25.95%
31.89%
-0.06%
0.49%
0.37%
0.47%
0.58%
-0.47
4.03
2.98
4.47
6.44
54.76%
52.60%
41.53%
37.00%
36.18%
-17,286.88%
2,031.54%
1,200.77%
1,344.56%
1,343.32%
56.53%
53.73%
51.57%
46.80%
43.98%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
10.84%
7.56%
9.54%
9.92%
8.94%
78.24%
81.05%
12.70%
76.92%
77.90%
1.79%
1.84%
2.01%
1.80%
1.82%
13.73
14.97
16.18
17.23
20.21
-1,888.59%
198.27%
922.72%
1,102.11%
1,073.88%
185
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
338,763
1.Share capital
534,663
534,663
735,162
2.Reserves
(212,258)
(396,718)
(537,749)
16,358
34,830
43,132
4.Others
Items
A.Total equity (A1 to A3)
172,775
240,545
238,428
710,816
2,258,599
99,479
509,586
2,017,689
28,944
88,699
73,147
3.Other/misc. liabilities
110,005
112,531
167,763
577,191
883,591
2,499,144
37,748
127,414
225,548
609,667
2,129,482
401,778
4.Other/misc. assets
113,124
113,631
119,848
5.Fixed assets
24,541
32,879
24,266
1.Investment income
29,349
32,061
22,936
2.Gross premium
267,137
912,667
2,297,193
3.Net premium
215,489
791,950
2,190,441
4.Gross claims
55,740
105,334
263,791
5.Net claims
16,178
29,720
154,990
6.Underwriting profit
111,303
444,354
1,449,721
17,933
21,777
9,022
12,620
18,472
8,303
53,466
53,466
73,516
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(55,090)
276,414
1,228,821
3.73%
10.69%
3.45%
2.19%
2.09%
0.33%
0.24
0.35
0.11
E.Other items
7.51%
3.75%
7.08%
881.96%
2,405.55%
17,460.21%
13.62%
4.05%
1.05%
6.54%
14.42%
9.03%
69.61%
69.00%
85.21%
58.69%
19.55%
9.63%
6.34
3.23
3.27
-436.53%
1,496.39%
14,799.72%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
186
(Thousand Rupees)
2011
2012
2008
2009
2010
379,763
581,065
669,193
734,941
826,798
500,000
500,000
500,000
500,000
500,000
(120,237)
81,065
169,193
234,941
326,798
2012
2,369,735
2,771,591
3,669,489
5,935,512
8,831,370
1,961,522
2,318,142
3,238,863
5,290,441
8,226,773
312,609
325,000
296,435
459,875
400,679
95,604
128,449
134,191
185,196
203,918
2,749,498
3,352,656
4,338,682
6,670,453
9,658,168
164,756
106,526
64,025
125,057
452,268
53,623
68,306
83,051
90,096
99,963
1,801,339
2,856,069
3,795,700
5,833,574
8,536,478
657,500
255,923
337,353
561,509
508,496
72,280
65,832
58,553
60,217
60,963
4.Others
248,389
326,117
55,286
70,489
2.Gross premium
1,155,000
1,349,482
1,893,849
2,993,466
4,170,408
3.Net premium
1,048,496
1,267,953
1,806,525
2,905,583
4,081,149
4.Gross claims
362,000
396,613
524,643
758,431
1,255,839
5.Net claims
332,228
363,070
442,406
629,515
1,239,915
6.Underwriting profit
1.Investment income
415,508
554,620
78,059
96,141
133,403
183,560
196,429
50,221
62,492
86,712
116,248
126,357
50,000
50,000
50,000
50,000
50,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(228,857)
762,793
590,201
1,596,738
2,095,960
13.22%
10.75%
12.96%
15.82%
15.28%
1.83%
1.86%
2.00%
1.74%
1.31%
1.00
1.25
1.73
2.32
2.53
31.69%
28.63%
24.49%
21.67%
30.38%
827.36%
887.51%
0.00%
0.00%
0.00%
19.91%
19.59%
18.05%
1.90%
1.73%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
5.99%
3.18%
1.48%
1.87%
4.68%
65.52%
85.19%
87.49%
87.45%
88.39%
13.81%
17.33%
15.42%
11.02%
8.56%
7.60
11.62
13.38
14.70
16.54
-455.70%
1,220.63%
680.65%
1,373.56%
1,658.76%
187
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
183,570
228,456
469,028
427,049
313,631
160,000
200,000
500,000
500,000
500,000
2,500
2,500
21,070
25,956
(30,972)
(72,951)
127,208
127,208
67,135
63,854
133,992
179,012
385,630
95,977
118,132
283,179
80,958
0
(186,369)
8,639
6,301
26,420
45,936
58,496
57,553
11,595
14,944
21,493
377,913
419,518
603,020
606,061
699,261
128,417
148,998
93,453
93,478
42,196
6,356
22,456
431,446
414,724
475,222
80,338
79,301
71,458
93,751
172,708
162,802
168,763
6,663
4,108
9,135
9,570
19,549
72,014
34,168
75,216
154,948
212,620
669,906
29,768
32,203
153,560
211,232
668,518
153,158
178,482
593,522
10,952
14,737
153,158
178,482
593,522
7,355
9,448
61,317
23,322
58,949
4,886
5,518
59,086
20,221
59,850
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
50
20,000
50,000
50,000
50,000
0.00%
0.00%
0.00%
0.00%
0.00%
33.00%
0.00%
0.00%
0.00%
0.00%
(21)
(26)
(89,324)
(60,080)
(89,343)
2.66%
2.42%
12.60%
4.74%
19.08%
1.29%
1.32%
9.80%
3.34%
8.56%
97.72
0.28
1.18
0.40
1.20
36.79%
45.76%
99.74%
84.50%
88.78%
0.00%
0.00%
0.00%
0.00%
0.00%
32.15%
60.71%
46.90%
16.18%
11.25%
33.98%
35.52%
15.50%
15.42%
6.03%
1.68%
5.35%
71.55%
68.43%
67.96%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
48.57%
54.46%
77.78%
70.46%
44.85%
3,671.40
11.42
9.38
8.54
6.27
-0.43%
-0.47%
-151.18%
-297.12%
-149.28%
188
(Thousand Rupees)
2011
2012
2008
2009
2010
415,341
149,369
146,958
124,125
88,555
413,600
454,960
500,456
500,456
500,456
1,741
(305,591)
2012
(353,498)
(376,331)
0
(411,901)
24,000
147,823
198,947
256,916
294,178
301,315
119,822
162,256
213,986
238,382
238,392
15,503
19,395
28,022
38,870
52,365
3.Other/misc. liabilities
12,498
17,296
14,908
16,926
10,558
563,164
348,316
403,874
418,303
413,870
95,896
59,770
136,182
154,862
136,060
10,933
9,464
8,553
8,825
8,589
376,890
197,560
194,146
186,588
202,035
4.Other/misc. assets
32,834
31,257
22,422
31,089
34,681
5.Fixed assets
46,611
50,265
42,571
36,939
32,505
4.Others
(197,021)
25,713
11,837
11,708
2.Gross premium
194,538
235,769
250,054
246,773
235,366
3.Net premium
107,753
154,489
183,761
178,687
181,272
4.Gross claims
157,013
165,143
162,347
180,387
220,256
78,078
94,895
152,937
124,525
162,133
1.Investment income
5.Net claims
(20,218)
(20,218)
66,115
50,412
7,840
44,326
(222,596)
5,246
(6,364)
(4,613)
44,708
(1,236)
3,194
(8,583)
(7,415)
41,360
45,496
50,046
50,046
50,046
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(50,872)
(50,870)
(11,010)
(22,063)
(54,726)
10.76%
-0.83%
2.17%
-6.91%
-8.37%
7.94%
-0.35%
0.79%
-2.05%
-1.79%
1.08
-0.03
0.06
-0.17
-0.15
72.46%
61.43%
83.23%
69.69%
89.44%
1,635.76%
2,069.97%
-587.35%
-105.73%
56.54%
-127.53%
13.99%
6.62%
6.46%
17.03%
17.16%
33.72%
37.02%
32.88%
66.92%
56.72%
48.07%
44.61%
48.82%
73.75%
42.88%
36.39%
29.67%
21.40%
10.04
3.28
2.94
2.48
1.77
-113.79%
4,115.70%
-344.71%
257.05%
738.04%
-45.22%
G.Liquidity ratios
189
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,254,381
1,628,540
1,579,275
1,732,640
2,094,258
1.Share capital
750,000
750,000
850,000
850,000
850,000
2.Reserves
570,000
232,500
232,500
232,500
232,500
(65,619)
646,040
496,775
650,140
1,011,758
Items
A.Total equity (A1 to A3)
10,703,367
16,218,941
20,583,460
26,297,424
35,800,049
9,567,235
14,767,466
18,865,481
24,414,209
33,743,933
760,127
880,656
1,214,459
1,140,899
1,294,174
3.Other/misc. liabilities
376,005
570,819
503,520
742,316
761,942
11,957,748
17,847,481
22,162,735
28,030,064
37,894,307
1,425,424
1,365,803
826,325
1,141,457
1,723,572
45,098
59,015
55,583
56,490
60,585
9,684,973
15,053,389
19,711,968
25,133,535
34,728,349
4.Other/misc. assets
493,908
1,019,066
1,147,984
1,248,172
774,696
5.Fixed assets
308,345
350,208
420,875
450,410
607,105
4.Others
58,853
1,657,014
29,792
277,797
2.Gross premium
9,597,777
9,597,777
8,375,515
10,129,599
11,873,842
3.Net premium
6,136,944
5,570,211
7,920,022
9,597,263
11,301,615
4.Gross claims
7,418,139
7,418,139
2,171,470
2,724,390
3,038,639
5.Net claims
4,369,507
3,911,444
1,837,151
2,360,779
2,625,301
1.Investment income
371,433
66,535
4,246,398
5,406,307
6,810,486
(314,959)
647,721
551,035
880,815
1,392,468
(473,159)
711,659
363,235
578,365
914,118
115,000
115,000
85,000
85,000
85,000
2.Cash dividend
32.50%
32.50%
50.00%
50.00%
55.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
17.65%
(507,154)
204,961
3,217,244
3,938,800
5,045,710
-37.72%
43.70%
23.00%
33.38%
43.65%
-3.96%
3.99%
1.64%
2.06%
2.41%
-4.11
6.19
4.27
6.80
10.75
71.20%
70.22%
23.20%
24.60%
23.23%
-78.50%
9.35%
1,169.05%
934.76%
745.03%
0.92%
1.06%
20.92%
0.31%
2.46%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
11.92%
7.65%
3.73%
4.07%
4.55%
80.99%
84.34%
88.94%
89.67%
91.65%
10.49%
9.12%
7.13%
6.18%
5.53%
10.91
14.16
18.58
20.38
24.64
107.18%
28.80%
885.72%
681.02%
551.98%
190
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
416,562
546,505
1,149,873
1,430,398
1,795,635
627,120
627,120
627,120
627,120
627,120
(210,558)
(80,615)
522,753
803,278
1,168,515
5,226,315
7,777,475
10,198,709
14,357,210
21,752,105
4,629,457
6,788,311
9,144,236
12,844,091
19,853,501
476,459
751,169
682,944
787,561
917,650
3.Other/misc. liabilities
120,399
237,995
371,529
725,558
980,954
5,642,877
8,323,980
11,348,582
15,787,608
23,547,740
3,257,997
2,123,027
1,084,664
2,250,153
4,582,439
4,266
3,876
4,560
8,981
6,806
2,031,512
5,579,564
9,673,115
12,980,198
18,207,492
254,523
118,115
439,204
340,689
430,516
94,579
499,398
147,039
207,587
320,487
4.Others
40,999
74,841
185,542
2.Gross premium
3,435,119
(110,311)
4,363,155
5,802,439
8,215,262
12,080,180
3.Net premium
3,457,103
4,384,114
5,451,804
7,756,624
11,501,196
4.Gross claims
1,756,884
1,710,439
2,049,922
2,139,574
2,731,241
760,675
814,037
1,661,786
1,770,426
2,252,223
1.Investment income
5.Net claims
1,112,379
1,878,176
2,647,219
4,363,882
6,786,232
(49,972)
160,744
217,268
582,356
808,669
(54,972)
129,943
146,752
374,593
553,373
62,712
62,712
62,712
62,712
62,712
2.Cash dividend
0.00%
0.00%
15.00%
30.00%
45.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
591,271
1,150,556
1,829,289
3,304,453
5,092,687
-13.20%
23.78%
12.76%
26.19%
30.82%
-0.97%
1.56%
1.29%
2.37%
2.35%
-0.88
2.07
2.34
5.97
8.82
18.57%
30.48%
22.82%
19.58%
-2,023.54%
22.00%
1,445.38%
1,803.87%
1,164.97%
1,226.34%
-3.19%
1.78%
0.75%
0.96%
1.61%
57.74%
25.50%
9.56%
14.25%
19.46%
36.00%
67.03%
85.24%
82.22%
77.32%
7.38%
6.57%
10.13%
9.06%
7.63%
6.64
8.71
18.34
22.81
28.63
-1,075.59%
885.43%
1,246.52%
882.14%
920.30%
G.Liquidity ratios
191
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,196,216
1,418,769
1,506,878
1,620,223
2,366,698
1,100,000
1,100,000
1,100,000
1,100,000
1,100,000
457,796
96,216
318,769
406,878
520,223
808,902
191,921,411
216,266,614
249,971,171
292,086,940
346,803,605
177,459,130
199,445,285
230,421,529
268,579,591
316,929,988
10,222,929
9,295,368
18,126,111
14,701,580
19,173,934
4,239,352
7,525,961
1,423,531
8,805,769
10,699,683
193,117,627
217,685,383
251,478,049
293,707,163
349,170,303
18,176,499
14,944,492
25,522,090
30,425,683
30,721,884
13,601,824
16,401,550
259,368
430,041
422,384
153,861,357
177,273,844
2,733,879
221,069,167
265,912,533
7,353,471
8,907,328
222,752,295
41,532,073
51,806,500
124,476
158,169
210,417
250,199
307,002
1.Investment income
18,696,912
21,163,800
24,340,462
30,765,978
37,151,983
2.Gross premium
19,261,965
25,022,454
35,840,899
45,034,812
56,232,068
3.Net premium
22,695,280
28,366,906
35,638,794
44,812,492
56,018,338
4.Others
9,439,146
11,978,666
17,213,519
19,492,772
24,261,447
5.Net claims
12,778,765
15,723,588
17,071,522
19,420,003
24,067,641
6.Underwriting profit
4.Gross claims
20,956,864
22,450,839
5,878,982
11,510,797
18,038,234
446,216
496,414
610,878
785,581
1,217,497
296,216
318,769
406,878
520,223
808,902
11,000
11,000
11,000
11,000
11,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
2,690,463
365,642
4,470,043
8,814,827
13,135,854
24.76%
22.47%
27.00%
32.11%
34.18%
0.15%
0.15%
0.16%
0.18%
0.23%
26.93
28.98
36.99
47.29
73.54
56.31%
55.43%
47.90%
43.34%
42.96%
7,074.86%
7,042.98%
1,444.90%
2,212.67%
2,229.97%
82.38%
74.61%
68.30%
68.65%
66.32%
9.41%
6.87%
10.15%
10.36%
8.80%
79.67%
81.44%
1.09%
75.27%
76.16%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
0.62%
0.65%
0.60%
0.55%
0.68%
108.75
128.98
136.99
147.29
215.15
908.28%
114.70%
1,098.62%
1,694.43%
1,623.91%
192
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
73,627,489
77,784,852
79,227,621
81,484,003
85,806,027
1.Share capital
15,310,032
16,368,903
18,473,672
20,540,656
21,337,471
2.Reserves
43,863,742
37,746,623
38,095,296
37,236,830
37,575,248
14,453,715
23,669,326
22,658,653
23,706,517
26,893,308
Items
A.Total equity (A1 to A3)
197,098
699,353
1,960,651
1,126,931
2,288,480
52,101,805
55,925,315
70,197,047
69,857,774
78,984,890
40,531,984
35,998,491
53,122,362
57,039,298
64,495,462
3.Other/misc. liabilities
11,569,821
19,926,824
17,074,685
12,818,476
14,489,428
125,926,392
134,409,520
151,385,319
152,468,708
167,079,397
17,394,018
14,560,902
15,184,416
14,539,733
16,019,671
128,350
135,901
161,254
157,998
162,920
66,736,164
73,613,820
76,575,744
79,528,701
84,828,457
4.Other/misc. assets
37,820,475
41,291,894
53,699,147
52,311,483
58,839,897
3,847,385
4,807,003
5,764,758
5,930,793
7,228,452
1.Investment income
(4,839,199)
14,940,088
6,174,516
7,152,863
10,085,339
2.Gross premium
41,920,550
45,855,026
50,661,814
56,451,096
59,472,884
3.Net premium
26,444,972
26,359,943
28,518,877
31,142,662
31,507,333
4.Gross claims
23,153,577
22,419,681
33,827,066
27,710,250
34,256,289
5.Net claims
15,805,173
13,806,667
16,293,451
17,464,816
17,273,008
4.Others
5.Fixed assets
4,109,109
4,175,598
3,496,419
4,759,999
4,525,051
(1,954,052)
7,038,047
7,486,823
8,436,384
12,063,296
(3,172,018)
5,467,494
4,926,499
6,463,753
9,934,389
2,174,863
2,364,248
1,917,690
2,124,395
2,208,582
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
N/A
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(1,492,975)
262,727
608,001
1,118,851
-4.31%
7.03%
6.22%
7.93%
11.58%
-2.52%
4.07%
3.25%
4.24%
5.95%
-1.46
2.31
2.57
3.04
4.50
3,260,659
59.77%
52.38%
57.13%
56.08%
54.82%
-129.54%
76.37%
70.97%
73.64%
45.55%
-18.30%
56.68%
21.65%
22.97%
32.01%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
13.81%
10.83%
10.03%
9.54%
9.59%
53.00%
54.77%
50.58%
52.16%
50.77%
58.47%
57.87%
52.34%
53.44%
51.36%
33.85
32.90
41.31
38.36
38.85
47.07%
4.81%
12.34%
17.31%
32.82%
193
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
191,216
224,670
275,808
391,004
405,408
160,000
200,000
250,000
300,000
300,000
31,216
24,670
25,808
91,004
105,408
359,627
456,931
1,171,239
1,137,533
948,893
0
772,005
51,595
88,327
1,125,461
963,999
308,032
368,604
45,778
173,534
176,888
550,843
681,601
1,447,047
1,528,537
1,354,301
305,165
361,707
456,091
837,974
762,316
414
236,513
308,942
972,500
674,106
575,845
8,751
10,952
18,456
16,457
16,140
61
28
292,402
292,402
499,666
566,580
87,899
82,891
98,060
228,525
116,279
108,195
108,195
273,025
84,687
5.Net claims
25,309
32,165
32,165
86,572
4,152
6.Underwriting profit
18,611
3,091
(1,148)
77,626
67,350
36,391
29,503
30,939
131,424
142,680
21,593
16,358
17,194
82,645
89,289
16,000
20,000
25,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
4.Gross claims
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(1,118)
(13,827)
34,025
291,928
(76,335)
11.29%
7.28%
6.23%
21.14%
22.02%
3.92%
2.40%
1.19%
5.41%
6.59%
1.35
0.82
0.69
2.75
2.98
28.79%
38.80%
32.80%
37.88%
3.57%
86.19%
18.90%
-6.68%
93.93%
75.43%
0.07%
0.03%
0.00%
0.00%
0.00%
55.40%
53.07%
31.52%
54.82%
56.29%
0.08%
0.00%
0.00%
0.00%
0.00%
34.71%
32.96%
19.06%
25.58%
29.93%
11.95
11.23
11.03
13.03
13.51
197.89%
353.23%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
194
-84.53%
-85.49%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
8,791,099
10,781,175
11,000,004
10,900,906
11,539,796
1.Share capital
1,022,351
1,124,586
1,237,045
1,237,045
1,237,045
2.Reserves
1,078,231
1,136,547
1,163,638
1,241,625
1,441,879
6,690,517
8,520,042
8,599,321
8,422,236
8,860,872
Items
A.Total equity (A1 to A3)
10,451,381
10,831,203
16,886,731
13,181,486
13,067,367
8,753,875
2,344,753
14,614,804
11,027,452
10,819,833
3.Other/misc. liabilities
1,697,506
8,486,450
2,271,927
2,154,034
2,247,534
19,242,480
21,612,378
27,886,735
24,082,392
24,607,163
2,207,453
2,157,104
2,704,817
2,378,967
2,507,411
26,852
28,383
22,086
17,175
12,791
7,333,959
9,658,030
9,406,998
9,451,731
9,948,294
4.Other/misc. assets
8,722,167
8,913,124
14,699,918
11,208,717
11,112,865
952,049
855,737
1,052,916
1,025,802
1,025,802
4.Others
5.Fixed assets
2,479,419
779,089
852,315
1,331,791
10,442,659
9,929,749
10,952,551
11,753,401
10,425,926
3.Net premium
6,685,378
6,806,897
6,883,397
6,983,344
5,671,977
4.Gross claims
6,601,192
5,643,943
10,598,852
7,066,321
7,173,560
5.Net claims
5,173,152
4,452,839
4,833,516
4,749,113
4,142,667
1.Investment income
2.Gross premium
367,062
679,257
245,721
165,534
(412,271)
1,175,877
2,608,348
541,813
(41,968)
666,558
1,099,150
2,447,020
484,131
132,177
624,193
102,235
112,459
123,705
123,705
123,705
0.00%
30.00%
24.00%
10.00%
25.00%
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
0.00%
10.00%
9.00%
0.00%
0.00%
(354,139)
291,555
(48,276)
(718,380)
(305,368)
12.50%
22.70%
4.40%
1.21%
5.41%
5.71%
11.32%
1.74%
0.55%
2.54%
10.75
21.76
3.91
1.07
5.05
77.38%
65.42%
70.22%
68.01%
33.40%
27.76%
50.76%
125.24%
16.42%
36.43%
11.32%
12.20%
23.48%
73.04%
-66.05%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
11.47%
9.98%
9.70%
9.88%
10.19%
38.11%
44.69%
33.73%
39.25%
40.43%
45.69%
49.88%
39.45%
45.27%
46.90%
85.99
95.87
88.92
88.12
93.28
11.91%
-9.97%
-543.50%
195
-48.92%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
108,202
100,237
121,769
1.Share capital
140,400
140,400
140,400
2.Reserves
1,650
1,650
1,650
(33,848)
(41,813)
(20,281)
4.Others
Items
A.Total equity (A1 to A3)
2,475
2,538
2,936
1,466
1,466
1,466
3.Other/misc. liabilities
1,009
1,072
1,470
102,775
124,705
4,898
110,677
13,829
4,479
21,062
42,956
24,837
4.Other/misc. assets
71,138
76,507
76,244
5.Fixed assets
873
727
607
1.Investment income
12,970
2.Gross premium
24,201
3.Net premium
4.Gross claims
5.Net claims
6.Underwriting profit
9,311
(7,839)
21,779
9,154
(7,965)
21,532
14,040
14,040
14,040
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(41,371)
(2,267)
(1,888)
8.46%
-7.95%
17.68%
8.27%
-7.75%
17.27%
0.65
-0.57
1.53
E.Other items
0.00%
0.00%
0.00%
12.49%
4.36%
3.93%
22.44%
20.49%
34.45%
97.76%
97.53%
97.65%
7.71
7.14
8.67
-451.94%
28.46%
-8.77%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
196
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
232,588
325,229
325,229
388,599
486,690
300,000
161,920
303,600
303,600
300,000
2.Reserves
50,655
10,175
10,175
16,381
16,381
20,013
11,454
11,454
72,218
170,309
1.Share capital
4.Others
363,944
363,944
248,403
259,476
259,476
1,125,507
1,509,668
215,266
220,015
220,015
986,378
1,352,261
33,137
39,461
39,461
139,129
157,407
480,991
948,649
948,649
1,514,106
1,996,358
166,588
144,886
144,886
79,410
162,256
1,565
2,127
77,292
195,602
195,602
637,147
701,627
225,124
597,736
597,736
723,900
1,047,723
11,987
10,425
10,425
72,084
82,625
29,215
29,215
71,634
93,166
135,055
116,083
116,083
928,020
1,019,316
3.Net premium
77,039
61,511
61,511
384,483
454,403
4.Gross claims
90,494
88,487
88,487
88,487
877,172
5.Net claims
48,543
53,161
53,161
243,221
262,368
6.Underwriting profit
(9,723)
(26,270)
(26,270)
77,619
101,480
2,870
(7,737)
(7,737)
75,634
107,955
(17,486)
(821,076)
(821,076)
69,238
98,091
16,192
30,360
30,360
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
1.Investment income
2.Gross premium
E.Other items
0.00%
0.00%
0.00%
0.00%
20.00%
(44,856)
(29,111)
(29,111)
226,416
81,311
-7.52%
-252.46%
-252.46%
17.82%
20.15%
-3.64%
-86.55%
-86.55%
4.57%
4.91%
-1.08
-27.04
-27.04
2.31
3.27
63.01%
86.43%
86.43%
63.26%
57.74%
55.60%
3.20%
3.20%
112.10%
103.45%
18.69%
47.50%
47.50%
18.63%
20.50%
34.63%
15.27%
15.27%
5.24%
8.13%
16.07%
20.62%
20.62%
42.08%
35.15%
48.36%
34.28%
34.28%
25.67%
24.38%
14.36
10.71
10.71
12.95
16.22
256.53%
3.55%
3.55%
327.01%
82.89%
G.Liquidity ratios
197
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
270,073
326,924
453,985
1.Share capital
250,000
300,000
300,000
2.Reserves
20,073
26,924
153,985
4.Others
Items
A.Total equity (A1 to A3)
689,917
699,658
623,808
605,823
606,831
555,319
3.Other/misc. liabilities
84,094
92,827
68,489
1,026,582
1,077,793
26,152
959,990
38,272
35,969
518,792
640,457
468,878
4.Other/misc. assets
427,064
450,011
387,054
5.Fixed assets
25,776
21,810
24,130
1.Investment income
43,206
37,156
91,263
2.Gross premium
1,010,167
995,212
1,146,745
3.Net premium
680,338
645,038
752,578
4.Gross claims
963,259
776,124
887,474
5.Net claims
632,076
523,590
568,187
6.Underwriting profit
2,124
57,654
95,031
25,386
96,804
169,341
14,449
56,851
127,061
25,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(108,607)
20,096
26,312
5.35%
17.39%
27.99%
1.51%
5.54%
11.79%
1.90
4.24
E.Other items
0.58
92.91%
81.17%
75.50%
14.70%
101.41%
74.79%
6.35%
5.76%
12.13%
3.99%
3.50%
2.43%
48.84%
50.54%
59.42%
28.13%
31.85%
42.12%
10.80
10.90
15.13
-751.66%
35.35%
20.71%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
198
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
348,185
483,594
1.Share capital
303,600
403,600
2.Reserves
10,175
10,175
34,410
69,819
4.Others
Items
A.Total equity (A1 to A3)
370,372
455,935
301,911
363,554
3.Other/misc. liabilities
68,461
92,381
939,529
33,650
718,557
19,574
1,065
5,359
522,518
373,610
4.Other/misc. assets
307,716
360,806
5.Fixed assets
16,592
17,196
1.Investment income
62,432
96,873
2.Gross premium
155,043
203,849
3.Net premium
74,277
67,428
4.Gross claims
51,839
73,245
5.Net claims
51,838
37,441
6.Underwriting profit
(38,580)
(43,219)
4,876
32,083
17,848
35,409
30,360
40,360
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
(17,781)
(13,781)
5.13%
7.32%
2.48%
3.77%
0.59
0.88
E.Other items
69.79%
55.53%
-216.16%
-122.06%
84.05%
143.67%
2.72%
3.58%
55.61%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
51.99%
48.46%
51.47%
11.47
11.98
199
-99.62%
-38.92%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
183,570
228,457
282,918
342,583
352,763
160,000
200,000
250,000
300,000
300,000
2,500
2,500
2,500
2,500
2,500
21,070
25,957
30,418
40,083
50,263
127,208
127,208
127,208
136,060
136,060
67,135
63,854
45,887
60,626
71,599
0
47,245
8,639
6,301
2,149
39,131
58,496
57,553
43,738
21,495
24,354
377,913
419,519
456,013
539,269
560,422
128,417
148,998
163,401
159,876
62,903
6,356
22,456
56,822
113,378
179,776
80,338
79,301
59,518
65,934
88,171
162,802
168,764
176,272
200,081
229,572
19,549
21,108
24,319
28,903
2.Gross premium
53,644
46,537
46,534
52,286
43,497
3.Net premium
32,203
29,768
29,451
33,704
29,301
4.Gross claims
26,522
31,941
7,101
12,074
21,380
5.Net claims
14,737
10,952
7,474
10,916
10,136
6.Underwriting profit
3,261
1,460
4,101
334
9,448
7,355
9,043
11,545
7,301
5,518
4,886
4,461
9,665
10,180
16,000
20,000
25,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
1.Investment income
(3,585)
E.Other items
33.00%
0.00%
0.00%
0.00%
0.00%
(3,130)
(14,860)
(17,574)
(6,325)
(26,592)
3.01%
2.14%
1.58%
2.82%
2.89%
1.46%
1.16%
0.98%
1.79%
1.82%
0.34
0.24
0.18
0.32
0.34
45.76%
36.79%
25.38%
32.39%
59.10%
29.88%
91.93%
3.46%
29.72%
65.67%
71.67%
72.15%
98.64%
33.98%
35.52%
35.83%
29.65%
11.22%
1.68%
5.35%
12.46%
21.02%
32.08%
48.57%
54.46%
62.04%
63.53%
62.95%
11.47
11.42
11.32
11.42
11.76
-304.13%
-393.95%
34.59%
-35.22%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
200
-65.44%
-261.22%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
295,957
268,412
315,833
432,208
507,154
323,620
203,775
203,775
203,776
308,210
2.Reserves
74,658
74,658
74,659
74,658
74,658
17,524
(10,021)
37,398
49,340
108,876
1.Share capital
921,294
927,340
1,138,101
1,112,772
1,717,907
813,079
839,746
1,022,808
902,563
1,396,157
3.Other/misc. liabilities
108,215
87,594
115,293
210,209
321,750
1,217,251
1,195,752
1,453,934
1,544,980
2,225,061
85,108
114,277
91,251
130,566
483,242
2,956
4,197
2,159
1,190
1,736
512,843
413,607
510,063
554,394
654,705
4.Other/misc. assets
489,357
533,027
802,813
810,840
1,008,679
5.Fixed assets
126,987
130,644
47,648
47,990
76,699
4.Others
(28,174)
51,096
52,094
55,090
1,002,654
1,089,649
1,344,036
1,132,971
1,111,722
3.Net premium
650,429
805,176
639,901
633,283
699,947
4.Gross claims
513,880
630,052
616,816
547,467
561,576
5.Net claims
423,393
(522,426)
385,890
327,857
372,934
1.Investment income
2.Gross premium
6.Underwriting profit
72,996
78,757
109,137
142,350
165,808
17,386
(15,075)
53,347
78,921
87,408
6,659
(27,544)
47,418
65,434
74,946
20,377
20,377
20,378
30,821
32,362
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
10.00%
15.00%
20.00%
25,684
4,856
(53,585)
(17,098)
435,940
2.25%
-10.26%
15.01%
15.14%
14.78%
0.55%
-2.30%
3.26%
4.24%
3.37%
0.33
-1.35
2.33
2.12
2.32
E.Other items
65.09%
-64.88%
60.30%
51.77%
53.28%
1,096.20%
-285.93%
230.16%
217.55%
221.24%
1.93%
-3.50%
7.98%
8.23%
7.87%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
6.99%
9.56%
6.28%
8.45%
21.72%
42.13%
34.59%
35.08%
35.88%
29.42%
24.31%
22.45%
21.72%
27.97%
22.79%
14.52
13.17
15.50
14.02
15.67
201
-17.63%
-113.01%
-26.13%
581.67%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
626,019
747,963
856,397
1,009,919
1,194,961
1.Share capital
268,447
335,559
369,115
442,938
531,526
2.Reserves
557,064
222,064
244,064
265,064
301,064
(199,492)
190,340
243,218
301,917
362,371
Items
A.Total equity (A1 to A3)
713,944
1,157,130
1,178,337
1,068,166
1,505,582
697,631
1,141,136
1,159,164
872,535
1,234,076
16,313
15,994
19,173
195,631
271,506
1,339,963
1,905,093
2,034,734
2,078,085
2,700,543
195,929
660,191
492,581
54,591
282,013
465
201
177
117
170
494,201
558,250
772,048
1,089,256
1,255,886
4.Other/misc. assets
600,072
639,030
726,012
888,629
1,096,898
49,296
47,421
43,916
45,492
65,576
4.Others
5.Fixed assets
118,230
102,634
133,572
180,692
2.Gross premium
861,402
782,700
1,004,381
1,102,974
1,168,195
3.Net premium
507,946
443,534
530,269
591,289
603,616
4.Gross claims
428,206
265,444
304,586
289,352
234,186
5.Net claims
231,434
192,355
(176,504)
153,294
133,237
1.Investment income
158,386
104,467
199,924
253,585
291,177
(140,994)
(140,994)
327,130
400,084
463,624
(199,585)
(199,585)
242,658
301,168
362,217
6.Underwriting profit
E.Other items
26,844
118,230
36,912
44,294
53,153
2.Cash dividend
25.00%
0.00%
40.00%
40.00%
40.00%
25.00%
0.00%
20.00%
20.00%
20.00%
2,067
357,794
30,056
(139,230)
399,670
-31.88%
-26.68%
28.33%
29.82%
30.31%
-14.89%
-10.48%
11.93%
14.49%
13.41%
-7.43
-1.69
6.57
6.80
6.81
43.37%
-33.29%
45.56%
-79.36%
-60.08%
25.93%
22.07%
82.39%
84.20%
80.39%
26.66%
19.36%
22.59%
29.93%
-52.34%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
14.62%
34.65%
24.21%
2.63%
10.44%
36.88%
29.30%
37.94%
52.42%
46.50%
46.72%
39.26%
42.09%
48.60%
44.25%
23.32
6.33
23.20
22.80
22.48
-1.04%
-179.27%
12.39%
202
-46.23%
110.34%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
163,049
209,329
264,580
266,684
266,684
160,125
200,157
250,196
262,705
262,705
12,936
12,936
12,936
425
425
(10,012)
(3,764)
1,448
3,554
3,554
9,207
8,747
8,700
8,657
8,657
68,398
122,898
118,146
61,818
61,818
17,841
48,904
107,853
55,346
55,346
3.Other/misc. liabilities
50,557
73,994
10,293
6,472
6,472
240,654
340,974
391,426
337,159
337,159
67,572
71,516
71,853
43,800
43,800
87,845
91,019
34,185
31,372
31,372
4.Other/misc. assets
62,696
156,426
263,307
237,589
237,589
5.Fixed assets
22,541
22,013
22,081
24,398
24,398
3,645
12,870
8,705
4,298
4,298
55,593
55,593
22,949
22,949
7,106
10,682
12,619
4,375
4,375
9,480
9,480
31,949
31,949
(1,590)
2,878
4,007
4,007
4.Others
4.Gross claims
(6,829)
5.Net claims
(9,055)
389
830
(6,154)
(6,154)
(11,280)
6,956
6,813
3,171
3,171
(11,475)
5,787
5,164
2,061
2,061
16,013
20,016
25,020
26,271
26,271
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(10,686)
(53,545)
1,144
(32,206)
(32,206)
-7.04%
2.76%
1.95%
0.77%
0.77%
-4.77%
1.70%
1.32%
0.61%
0.61%
-0.72
0.29
0.21
0.08
0.08
-96.10%
-14.88%
22.81%
91.59%
91.59%
78.91%
6.72%
16.07%
-298.59%
-298.59%
51.29%
120.48%
68.98%
98.24%
98.24%
28.08%
20.97%
18.36%
12.99%
12.99%
36.50%
26.69%
8.73%
9.30%
9.30%
67.75%
61.39%
67.59%
79.10%
79.10%
10.18
10.46
10.57
10.15
10.15
93.12%
-925.26%
22.15%
-1,562.64%
-1,562.64%
G.Liquidity ratios
203
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
921,959
852,000
961,633
952,285
1,023,560
1.Share capital
457,244
457,244
457,244
457,244
457,244
2.Reserves
373,024
373,024
373,024
373,024
373,024
91,691
21,732
131,365
122,017
193,292
Items
A.Total equity (A1 to A3)
371,585
299,836
368,834
520,940
588,550
330,418
259,048
312,834
432,518
480,604
41,167
40,788
56,000
88,422
107,946
1,293,544
1,151,836
1,330,467
1,473,225
1,612,110
316,416
75,313
87,060
97,520
90,511
464,449
735,978
840,031
859,878
998,097
4.Other/misc. assets
470,132
297,334
359,760
467,104
479,545
42,547
43,211
43,616
48,723
43,957
4.Others
5.Fixed assets
(38,041)
(73,034)
105,875
22,333
104,967
2.Gross premium
406,147
427,410
467,394
496,034
576,734
3.Net premium
241,371
206,646
219,070
225,191
268,223
4.Gross claims
338,942
96,319
201,235
182,130
320,770
79,296
64,707
106,646
80,505
112,042
5.Net claims
122,260
95,030
63,644
87,325
83,914
53,753
(39,947)
121,062
53,363
130,026
18,422
(69,958)
109,631
36,349
116,872
45,724
45,724
45,724
45,724
45,724
2.Cash dividend
0.00%
0.00%
10.00%
10.00%
12.50%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(167,937)
117,191
8,867
57,370
50,840
2.00%
-8.21%
11.40%
3.82%
11.42%
1.42%
-6.07%
8.24%
2.47%
7.25%
0.40
-1.53
2.40
0.79
2.56
32.85%
31.31%
48.68%
35.75%
41.77%
663.66%
-135.84%
58.05%
240.24%
71.80%
-15.76%
-35.34%
48.33%
9.92%
39.13%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
24.46%
6.54%
6.54%
6.62%
5.61%
35.91%
63.90%
63.14%
58.37%
61.91%
71.27%
73.97%
72.28%
64.64%
63.49%
20.16
18.63
21.03
20.83
22.39
-911.61%
-167.52%
8.09%
157.83%
43.50%
204
Cyan Ltd.
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
4,187,070
3,293,190
3,355,818
3,116,433
4,407,842
1.Share capital
184,581
203,039
279,179
390,851
586,277
2.Reserves
133,088
133,088
133,088
133,088
133,088
3,869,401
2,957,063
2,943,551
2,592,494
3,688,477
Items
A.Total equity (A1 to A3)
528,709
37,670
56,566
156,610
155,731
179,752
48,544
174,412
137,895
141,349
110,234
32,040
10,750
18,715
14,382
69,518
16,504
163,662
4,343,680
3,448,921
4,064,279
3,202,647
4,638,820
64,773
65,136
8,296
8,330
13,494
29,595
100
1,825
4,124,141
3,249,876
3,927,349
2,947,025
4,533,865
151,606
131,369
97,108
245,602
63,442
3,160
2,540
1,931
1,590
26,194
1.Investment income
128,412
128,412
179,500
479,664
1,780,134
2.Gross premium
110,070
123,891
117,092
13,342
28,780
3.Net premium
14,758
13,397
10,509
(4,503)
4.Gross claims
24,235
50,816
1,095
(14,815)
5,406
6,562
7,695
4,701
9,588
(37)
4.Others
5.Net claims
14,993
10,774
3,996
(12,835)
133,687
(844,897)
110,272
(159,254)
1,504,041
116,421
(855,118)
108,312
(197,508)
1,429,222
6.Underwriting profit
E.Other items
18,458
20,304
27,918
39,085
58,628
2.Cash dividend
20.00%
20.00%
25.00%
25.00%
40.00%
20.00%
20.00%
50.00%
0.00%
50.00%
5,914
9,519
(43,834)
86,197
8,251
2.78%
-25.97%
3.23%
-6.34%
32.42%
2.68%
-24.79%
2.66%
-6.17%
30.81%
6.31
-42.12
3.88
-5.05
24.38
44.46%
57.44%
44.73%
-212.92%
12.88%
-1.26%
3.69%
6.50%
0.00%
870.12%
958.51%
1,708.06%
-10,652.10%
G.Liquidity ratios
1.49%
1.89%
0.20%
0.26%
0.29%
94.95%
94.23%
96.63%
92.02%
97.74%
96.39%
95.48%
82.57%
97.31%
95.02%
226.84
162.19
120.20
79.73
75.18
5.08%
-1.11%
-40.47%
205
-43.64%
0.58%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
10,093,041
10,451,590
9,591,171
9,995,869
11,131,164
1,150,000
1,150,000
1,250,000
1,250,000
1,250,000
2.Reserves
14,400,000
8,500,000
8,662,902
8,162,902
8,362,902
(5,456,959)
801,590
582,967
1,518,262
1.Share capital
4.Others
(321,731)
12,902
12,902
11,123,749
11,474,458
14,950,498
14,382,169
17,904,942
10,277,630
9,710,098
13,849,184
12,805,452
16,120,715
846,119
1,764,360
1,101,314
1,576,717
1,784,227
21,229,692
21,938,950
24,541,669
24,378,038
29,036,106
1,303,684
1,349,606
1,706,571
1,758,119
1,669,886
2,880
2,775
3,293
3,326
2,612
12,091,082
12,885,838
11,899,434
12,552,086
13,611,374
7,223,793
7,155,256
10,223,286
9,304,862
12,881,591
608,253
545,475
709,085
759,645
870,643
673,524
185,101
850,792
2.Gross premium
9,598,000
9,694,833
9,699,192
11,432,816
12,000,528
3.Net premium
6,136,944
5,570,211
5,846,591
6,224,495
6,008,956
4.Gross claims
7,418,000
5,267,381
8,176,868
4,809,747
8,225,355
5.Net claims
4,369,507
3,911,444
3,941,583
3,707,552
3,297,441
1.Investment income
(357,955)
371,433
66,535
111,875
693,348
678,793
(5,442,922)
801,443
(359,763)
841,544
1,674,817
(5,471,226)
732,299
(413,321)
560,948
1,604,045
115,000
115,000
125,000
125,000
125,000
2.Cash dividend
32.50%
40.00%
12.50%
27.50%
50.00%
6.Underwriting profit
E.Other items
0.00%
8.70%
0.00%
0.00%
0.00%
(507,154)
204,961
140,124
434,352
292,396
-54.21%
7.01%
-4.31%
5.61%
14.41%
-25.77%
3.34%
-1.68%
2.30%
5.52%
-47.58
6.37
-3.31
4.49
12.83
71.20%
70.22%
59.56%
54.88%
-6.79%
9.09%
-27.07%
123.60%
42.32%
-86.36%
12.09%
-6.12%
2.97%
14.16%
67.42%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
6.14%
6.15%
6.95%
7.21%
5.75%
56.95%
58.73%
48.49%
51.49%
46.88%
47.54%
47.64%
39.08%
41.00%
38.34%
87.77
90.88
76.73
79.97
89.05
9.27%
27.99%
77.43%
18.23%
206
-33.90%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
866,835
329,712
338,155
398,043
466,100
1.Share capital
228,526
228,526
251,379
301,655
331,820
2.Reserves
110,200
100,200
77,200
75,000
100,000
528,109
986
9,576
21,388
34,280
Items
A.Total equity (A1 to A3)
4.Others
406,489
330,770
295,487
315,912
369,252
0
308,978
76,513
41,679
290,341
264,150
329,976
289,091
5,146
51,762
60,274
1,273,324
660,482
633,642
713,955
835,352
76,231
55,220
40,123
52,573
62,204
813,959
232,810
191,758
243,535
354,417
4.Other/misc. assets
280,529
257,468
276,918
307,104
360,532
5.Fixed assets
102,605
114,984
124,843
110,743
58,199
255,149
(561,658)
31,561
31,364
36,777
674,106
584,241
630,251
868,297
405,705
436,968
331,968
387,685
467,724
314,945
306,991
233,491
346,612
168,452
178,296
(151,321)
153,899
179,314
80,338
89,271
45,451
81,803
112,964
277,016
(527,995)
15,548
47,871
84,251
265,827
537,123
8,443
34,750
68,057
22,853
22,853
25,138
30,166
33,182
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
10.00%
10.00%
10.00%
47,017
10,293
1,846
8,777
42,607
30.67%
162.91%
2.50%
8.73%
14.60%
20.88%
81.32%
1.33%
4.87%
8.15%
11.63
23.50
0.34
1.15
2.05
41.52%
40.80%
-45.58%
39.70%
38.34%
30.22%
16.62%
538.33%
235.40%
165.98%
62.89%
-128.54%
9.51%
8.09%
7.86%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
5.99%
8.36%
6.33%
7.36%
7.45%
63.92%
35.25%
30.26%
34.11%
42.43%
68.08%
49.92%
53.37%
55.75%
55.80%
37.93
14.43
13.45
13.20
14.05
17.69%
1.92%
21.86%
25.26%
62.60%
207
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
181,754
203,725
282,954
273,653
305,087
160,000
200,000
250,000
300,000
300,000
110
110
32,844
110
110
21,644
3,615
110
(26,457)
4,977
41,139
33,172
24,544
16,155
16,203
20,825
26,495
17,207
10,347
12,393
3.Other/misc. liabilities
20,314
6,677
7,337
5,808
3,810
222,893
236,897
307,498
289,808
321,290
13,365
101,131
57,683
24,336
79,520
155,044
59,941
185,621
202,220
197,008
4.Other/misc. assets
44,208
67,069
57,457
58,002
40,523
5.Fixed assets
10,276
8,756
6,737
5,250
4,239
4.Others
17,299
2,741
37,011
11,798
61,279
2.Gross premium
42,018
42,018
31,108
15,077
13,299
3.Net premium
18,289
18,051
16,090
6,022
6,724
4.Gross claims
19,199
19,199
5,905
5,905
14,220
5.Net claims
7,236
4,551
4,272
1,762
4,769
6.Underwriting profit
1,164
2,607
1,033
(3,087)
(4,078)
9,444
(931)
31,689
(7,744)
33,289
21,644
(2,029)
29,229
(9,301)
31,434
16,000
20,000
25,000
25,000
25,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
20.00%
0.00%
1,829
(19,075)
(9,252)
(20,254)
3,156
11.91%
-1.00%
10.33%
-3.40%
10.30%
9.71%
-0.86%
9.51%
-3.21%
9.78%
1.35
-0.10
1.17
-0.37
1.26
39.56%
25.21%
26.55%
29.26%
5.38%
-128.49%
3.53%
33.19%
-12.97%
94.59%
15.18%
230.02%
195.91%
911.35%
E.Other items
70.93%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
6.00%
42.69%
18.76%
8.40%
24.75%
69.56%
25.30%
60.36%
69.78%
61.32%
81.54%
86.00%
92.02%
94.43%
94.96%
11.36
10.19
11.32
10.95
12.20
8.45%
940.12%
217.76%
10.04%
208
-31.65%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
663,290
823,544
851,885
878,080
960,455
1.Share capital
355,914
400,403
400,403
450,454
495,499
2.Reserves
654,122
204,122
197,360
254,122
254,122
(346,746)
219,019
254,122
173,504
210,834
Items
A.Total equity (A1 to A3)
794,176
792,791
815,100
999,996
1,043,513
592,613
540,481
570,936
703,681
703,132
3.Other/misc. liabilities
201,563
252,310
244,164
296,315
340,381
1,457,466
1,616,335
1,666,985
1,878,076
2,003,968
57,435
26,520
57,999
50,432
78,598
1,899
1,899
3,143
31,237
29,221
719,561
932,041
925,540
916,434
1,056,208
4.Other/misc. assets
634,086
611,390
641,355
865,848
828,112
44,485
44,485
38,948
14,125
11,829
4.Others
5.Fixed assets
(390,531)
149,355
117,389
204,350
2.Gross premium
734,275
734,275
754,013
841,955
938,844
3.Net premium
397,960
397,960
394,643
420,310
435,966
4.Gross claims
380,313
380,313
317,065
436,243
408,195
5.Net claims
202,219
202,219
183,787
231,180
229,906
1.Investment income
67,687
67,687
87,471
60,193
63,023
(379,447)
(379,447)
192,188
149,044
209,749
(396,428)
(396,428)
168,482
126,296
194,988
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
71,182
71,182
80,081
90,091
99,100
12.50%
12.50%
25.00%
25.00%
35.00%
12.50%
12.50%
12.50%
10.00%
0.00%
(88,311)
(88,311)
4,160
(77,378)
64,313
-59.77%
-48.14%
19.78%
14.38%
20.30%
-27.20%
-24.53%
10.11%
6.72%
9.73%
-5.57
-5.57
2.10
1.40
1.97
50.81%
46.57%
55.00%
52.73%
-17.07%
50.81%
-17.07%
51.92%
47.66%
32.32%
-98.13%
-98.13%
37.85%
27.93%
46.87%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
3.94%
1.64%
3.48%
2.69%
3.92%
49.37%
57.66%
55.52%
48.80%
52.71%
45.51%
50.95%
51.10%
46.75%
47.93%
9.32
11.57
10.64
9.75
9.69
22.28%
22.28%
2.47%
-61.27%
32.98%
209
(Thousand Rupees)
2011
2012
2008
2009
2010
879
600
115
(28)
(148)
5,000
5,000
5,000
5,000
5,000
(4,121)
2012
(4,400)
(4,885)
(5,028)
0
(5,148)
3,301
3,336
3,412
2,226
4,796
1,448
1,448
1,448
1,448
1,448
3.Other/misc. liabilities
1,853
1,888
1,964
778
3,348
4,180
3,936
3,527
2,198
4,648
4.Others
964
720
492
492
492
4.Other/misc. assets
1,828
1,828
1,910
610
3,060
5.Fixed assets
1,388
1,388
1,125
1,096
1,096
1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
(272)
(279)
(120)
(272)
(279)
(120)
6.Underwriting profit
E.Other items
500
500
500
500
500
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(232)
(244)
(228)
-30.94%
-46.50%
0.00%
0.00%
81.08%
-6.51%
-7.09%
0.00%
0.00%
-2.58%
-0.54
-0.56
0.00
0.00
-0.24
0.00%
0.00%
0.00%
23.06%
18.29%
13.95%
22.38%
10.59%
0.00%
0.00%
0.00%
0.00%
0.00%
21.03%
15.24%
3.26%
-1.27%
-3.18%
1.76
1.20
0.23
-0.06
-0.30
85.29%
87.46%
0.00%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
210
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
10,846,519
10,960,813
11,575,854
11,287,896
10,304,893
598,689
598,689
718,427
1,115,359
1,115,359
10,624,177
10,534,374
10,264,964
9,530,371
8,972,692
(376,347)
(172,250)
592,463
642,166
216,842
2,354,120
1,405,253
1,384,597
2,293,133
2,268,585
0
1,298,764
878,223
124,523
76,565
1,463,515
1,475,897
1,280,730
1,308,032
829,618
969,821
13,200,639
12,366,066
12,960,451
13,581,029
12,573,478
258,260
6,809
421
77,517
2,364
11,709,948
11,235,758
12,002,730
11,713,889
10,757,025
4.Other/misc. assets
929,900
842,954
783,406
1,634,350
1,657,741
5.Fixed assets
302,531
280,545
173,894
155,273
156,348
492,524
402,173
1,035,000
(157,476)
1,155,775
1,247,470
1,600,781
1,816,693
3.Net premium
542,515
614,586
720,733
852,329
939,849
4.Gross claims
423,000
437,930
473,625
1,388,264
852,763
5.Net claims
240,931
257,052
364,411
530,525
583,482
1.Investment income
2.Gross premium
(414,649)
193,166
253,103
205,095
207,782
231,831
(404,103)
364,766
920,771
56,632
(414,196)
(377,042)
263,966
836,556
49,703
(425,324)
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
59,869
59,869
71,843
111,536
111,536
15.00%
35.00%
30.00%
50.00%
30.00%
50.00%
0.00%
55.00%
15.00%
(27,651)
126,941
278,667
(18,106)
176,895
0.00%
-3.48%
2.41%
7.23%
0.44%
-4.13%
-2.86%
2.13%
6.45%
0.37%
-3.38%
-6.30
4.41
11.64
0.45
-3.81
44.41%
41.83%
50.56%
62.24%
95.88%
24.52%
418.05%
128.94%
57.79%
-51.23%
-29.03%
-67.47%
62.08%
-54.51%
42.79%
G.Liquidity ratios
1.96%
0.06%
0.00%
0.57%
0.02%
88.71%
90.86%
92.61%
86.25%
85.55%
82.17%
88.64%
89.32%
83.12%
81.96%
181.17
183.08
161.13
101.20
92.39
7.33%
48.09%
33.31%
-36.43%
211
-41.59%
2008
2009
2010
2,061,314
2,621,006
2,903,875
(Thousand Rupees)
2011
2012
3,542,869
4,072,828
659,148
659,148
790,977
988,721
1,186,465
1,553,232
1,255,332
1,579,384
1,679,384
2,009,384
706,526
533,514
874,764
876,979
(151,066)
2012
3,363,858
3,798,883
4,798,183
5,431,966
6,686,553
2,749,505
3,040,509
3,749,612
4,171,474
5,090,734
614,353
758,374
1,048,571
1,260,492
1,595,819
5,425,172
6,419,889
7,702,058
8,974,835
10,759,381
1,670,155
2,028,132
974,783
967,361
1,259,538
364
294
791
849
757
1,554,039
1,902,811
3,855,601
5,082,078
6,076,310
4.Other/misc. assets
2,102,654
2,382,103
2,776,025
2,827,350
3,284,143
97,960
106,549
94,858
97,197
138,633
4.Others
5.Fixed assets
452,253
407,598
611,966
631,280
2.Gross premium
3,526,000
3,916,086
4,223,635
4,869,348
5,594,417
3.Net premium
2,186,443
2,297,720
2,451,227
2,764,204
3,084,738
4.Gross claims
1,829,800
1,951,318
2,291,778
2,089,885
2,848,000
5.Net claims
1,332,461
1,420,977
1,677,614
1,699,094
1,910,326
1.Investment income
108,115
114,121
(64,085)
153,756
154,428
(179,153)
771,898
546,682
892,911
946,079
(267,249)
656,464
450,151
797,189
826,576
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
65,915
65,915
79,098
98,872
118,647
2.Cash dividend
0.00%
30.00%
20.00%
30.00%
30.00%
0.00%
20.00%
25.00%
20.00%
15.00%
(102,885)
216,551
474,037
599,038
849,474
-12.96%
25.05%
15.50%
22.50%
20.29%
-4.93%
10.23%
5.84%
8.88%
7.68%
-4.05
9.96
5.69
8.06
6.97
60.94%
61.84%
68.44%
61.47%
61.93%
19.29%
18.68%
-40.45%
17.38%
8.31%
19.68%
16.63%
22.14%
20.46%
30.79%
31.59%
12.66%
10.78%
11.71%
28.64%
29.64%
50.06%
56.63%
56.47%
38.00%
40.83%
37.70%
39.48%
37.85%
31.27
39.76
36.71
35.83
34.33
38.50%
32.99%
105.31%
75.14%
102.77%
-14.24%
G.Liquidity ratios
212
2008
2009
2010
14,104,699
16,137,364
15,728,795
2012
(Thousand Rupees)
2011
2012
15,728,795
15,728,795
2,000,000
2,000,000
2,000,000
2,000,000
2,000,000
10,400,000
11,500,000
11,500,000
11,500,000
11,500,000
1,704,699
2,637,364
2,228,795
2,228,795
2,228,795
8,147,936
11,135,642
11,079,800
11,079,800
11,079,800
5,944,797
8,186,245
8,186,245
8,186,245
8,186,245
3.Other/misc. liabilities
2,203,139
2,949,397
2,893,555
2,893,555
2,893,555
22,252,635
27,273,006
26,808,595
26,808,595
26,808,595
4,807,038
3,514,665
3,486,575
3,486,575
3,486,575
25,298
26,767
26,767
26,767
26,767
11,626,851
15,416,074
15,427,447
15,427,447
15,427,447
5,711,066
7,312,172
7,527,628
7,527,628
7,527,628
82,382
1,003,328
340,178
340,178
340,178
(389,169)
4.Others
2,011,000
2,011,000
2,011,000
2.Gross premium
5,492,000
5,655,348
5,655,000
5,655,000
5,655,000
3.Net premium
2,903,518
3,004,999
3,005,000
3,005,000
3,005,000
4.Gross claims
1,243,924
3,058,338
3,058,000
3,058,000
3,058,000
5.Net claims
1,028,247
986,654
987,000
987,000
987,000
6.Underwriting profit
1,583,379
1,630,096
1,630,000
1,630,000
1,630,000
1,513,614
3,579,468
3,586,000
3,586,000
3,586,000
1,050,277
2,524,567
2,533,000
2,533,000
2,533,000
200,000
200,000
200,000
200,000
200,000
0.00%
0.00%
0.00%
0.00%
0.00%
1.Investment income
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
0.00%
0.00%
528,334
1,023,667
0.00%
0.00%
0.00%
(1,316)
(1,316)
(1,316)
7.45%
15.64%
16.10%
16.10%
16.10%
4.72%
9.26%
9.45%
9.45%
9.45%
5.25
12.62
12.67
12.67
12.67
35.41%
32.83%
32.85%
32.85%
32.85%
150.76%
64.57%
64.35%
64.35%
64.35%
-13.40%
67.57%
66.92%
66.92%
66.92%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
21.60%
12.89%
13.01%
13.01%
13.01%
52.25%
56.53%
57.55%
57.55%
57.55%
63.38%
59.17%
58.67%
58.67%
58.67%
70.52
80.69
78.64
78.64
78.64
50.30%
40.55%
-0.05%
-0.05%
-0.05%
213
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
1,073,053
1,241,289
928,058
1,002,279
1,002,279
1,073,053
1,241,289
928,058
1,002,279
1,002,279
2.Reserves
1.Share capital
814,820
956,695
1,596,194
1,751,481
1,751,481
141,802
216,705
1,288,621
1,431,277
1,431,277
3.Other/misc. liabilities
673,018
739,990
307,573
320,204
320,204
1,887,873
2,197,984
2,524,252
2,753,760
2,753,760
546,920
319,850
682,920
1,106,672
1,106,672
435,617
863,092
751,912
529,831
529,831
4.Other/misc. assets
817,610
936,126
1,025,504
1,056,922
1,056,922
87,726
78,916
63,916
60,335
60,335
92,189
131,761
158,726
177,545
177,545
849,199
849,199
1,240,273
1,240,273
479,927
382,172
405,937
443,395
443,395
4.Others
5.Fixed assets
406,573
406,573
470,519
470,519
5.Net claims
205,594
169,222
201,105
268,243
268,243
6.Underwriting profit
4.Gross claims
152,668
98,923
103,498
66,829
66,829
82,599
32,203
92,783
108,147
108,147
52,498
17,142
56,577
74,221
74,221
107,305
124,129
92,806
100,228
100,228
0.00%
0.00%
0.00%
0.00%
0.00%
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
(224,313)
104,776
106,751
35,739
35,739
4.89%
1.38%
6.10%
7.41%
7.41%
2.78%
0.78%
2.24%
2.70%
2.70%
0.49
0.14
0.61
0.74
0.74
42.84%
44.28%
49.54%
60.50%
60.50%
290.81%
577.08%
182.93%
90.04%
90.04%
19.21%
34.48%
39.10%
40.04%
40.04%
28.97%
14.55%
27.05%
40.19%
40.19%
23.07%
39.27%
29.79%
19.24%
19.24%
56.84%
56.47%
36.77%
36.40%
36.40%
10.00
10.00
10.00
10.00
10.00
-427.28%
611.22%
188.68%
48.15%
48.15%
G.Liquidity ratios
214
2008
2009
2010
2,679
2,446
2,834
2012
(Thousand Rupees)
2011
2012
8,936
9,164
29
29
29
29
29
2,650
2,417
2,805
8,907
9,135
6,577
5,037
3,472
5,157
10,543
6,051
4,724
2,270
3,881
7,771
526
313
1,202
1,276
2,772
9,256
7,483
6,306
14,093
19,707
3,053
1,778
515
9,210
2,723
240
420
500
16
4.Other/misc. assets
2,879
2,889
2,684
3,041
13,918
5.Fixed assets
3,308
2,816
2,867
1,422
2,566
4.Others
94
77
5,223
5,223
6,966
11,812
4,855
5,009
4,900
6,170
9,582
633
2,551
(446)
(236)
64
593
2,302
6.Underwriting profit
(2,409)
(2,179)
(1,941)
(1,950)
(1,514)
(1,545)
(1,328)
6,183
(1,547)
(1,560)
(1,377)
206
4.Gross claims
5.Net claims
(1,395)
276
(6,870)
E.Other items
0
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(1,389,168)
-57.75%
-63.78%
-48.59%
2.31%
-74.97%
-16.71%
-20.85%
-21.84%
1.46%
-34.86%
(1,524)
206
0.00%
(6,870)
-9.19%
-4.71%
1.31%
9.61%
24.02%
155.72%
139.68%
140.96%
-946.60%
20.31%
1.94%
1.54%
0.00%
0.00%
0.00%
32.98%
23.76%
8.17%
65.35%
13.82%
0.17%
0.00%
0.00%
0.00%
0.00%
28.94%
32.69%
44.94%
63.41%
46.50%
0.00%
89,049.23%
110.68%
100.00%
100.00%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
215
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
7,265,744
6,785,655
6,411,908
6,356,722
6,560,589
1.Share capital
3,000,000
3,000,000
3,000,000
3,000,000
3,000,000
2.Reserves
2,058,419
2,058,419
2,058,419
2,058,420
2,058,419
2,207,325
1,727,236
1,353,489
1,298,302
1,502,170
Items
A.Total equity (A1 to A3)
5,262,715
5,586,960
6,122,986
6,521,215
8,004,087
4,908,677
5,284,063
437,230
5,926,236
7,017,143
354,038
302,897
5,685,756
594,979
986,944
12,528,459
12,372,615
12,534,894
12,877,937
14,564,676
2,836,632
1,833,648
2,416,631
1,597,263
2,014,445
53,006
53,667
55,092
56,634
60,591
5,506,687
5,526,830
4,716,518
5,832,677
6,472,216
4.Other/misc. assets
4,091,466
4,909,805
5,299,237
5,342,323
5,964,541
40,668
48,665
47,416
49,040
52,883
4.Others
5.Fixed assets
1,099,396
653,470
890,804
918,243
2.Gross premium
4,516,903
5,211,129
6,445,810
6,458,628
7,691,036
3.Net premium
1,895,574
2,170,949
2,940,508
3,534,950
4,096,084
4.Gross claims
1,654,119
1,021,680
2,821,099
2,570,843
3,017,986
961,692
904,799
1,688,408
2,017,545
2,217,053
1.Investment income
5.Net claims
6.Underwriting profit
7.Profit/(loss) before taxation
8.Profit/(loss) after taxation
206,136
481,499
291,143
379,426
508,757
1,138,999
318,280
650,504
1,257,528
1,481,084
886,225
269,911
526,253
844,813
1,103,867
300,000
300,000
300,000
300,000
300,000
0.00%
0.00%
30.00%
30.00%
25.00%
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
(19,026)
(122,713)
114,425
412,255
973,379
12.20%
3.98%
8.21%
13.29%
16.83%
7.07%
2.18%
4.20%
6.56%
7.58%
2.95
0.90
1.75
2.82
3.68
50.73%
41.68%
57.42%
57.07%
54.13%
23.26%
178.39%
55.32%
44.91%
46.09%
44.65%
50.64%
22.22%
25.20%
22.42%
22.64%
14.82%
19.28%
12.40%
13.83%
43.95%
44.67%
37.63%
45.29%
44.44%
57.99%
54.84%
51.15%
49.36%
45.04%
24.22
22.62
21.37
21.19
21.87
21.74%
48.80%
88.18%
G.Liquidity ratios
216
-45.46%
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
208,956
225,810
230,837
242,607
217,286
350,000
350,000
350,000
350,000
350,000
(141,044)
2012
(124,190)
(119,163)
(107,393)
0
(132,714)
495,280
505,279
689,085
824,125
749,487
440,432
122,024
683,269
687,733
661,595
54,848
383,255
5,816
136,392
87,892
704,236
731,089
919,922
1,066,732
966,773
187,410
161,010
217,889
236,273
245,535
37,107
45,118
50,654
54,182
66,034
466,003
521,878
643,136
767,957
650,557
13,716
3,083
8,243
8,320
4,647
10,942
6,221
3,441
13,529
2.Gross premium
468,116
480,130
504,873
566,835
604,935
3.Net premium
227,853
199,656
166,770
224,914
322,840
4.Gross claims
286,575
196,405
195,243
297,079
356,693
5.Net claims
154,262
106,295
91,135
143,668
211,887
6.Underwriting profit
(18,738)
10,942
4,890
19,981
(11,755)
(50,417)
16,854
5,090
8,424
(24,661)
(53,252)
16,854
5,027
11,770
(25,321)
35,000
35,000
35,000
35,000
35,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
1.Investment income
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(118,820)
(56,889)
44,113
(9,543)
(14,966)
-25.48%
7.46%
2.18%
4.85%
-11.65%
-7.56%
2.31%
0.55%
1.10%
-2.62%
-1.52
0.48
0.14
0.34
-0.72
67.70%
53.24%
54.65%
63.88%
65.63%
35.19%
64.92%
97.27%
169.76%
46.42%
-1.45%
5.48%
3.73%
1.53%
4.19%
26.61%
22.02%
23.69%
22.15%
25.40%
5.27%
6.17%
5.51%
5.08%
6.83%
29.67%
30.89%
25.09%
22.74%
22.48%
5.97
6.45
6.60
6.93
6.21
223.13%
-337.54%
877.52%
-81.08%
59.11%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
217
2008
2009
2010
1,768,874
1,774,340
1,842,658
2012
(Thousand Rupees)
2011
2012
1,838,009
1,781,379
239,385
263,323
302,821
302,821
302,821
1,420,025
1,270,025
1,270,025
1,345,025
1,345,025
109,464
240,992
269,812
190,163
133,533
932,492
1,014,379
1,258,622
1,463,640
1,524,480
647,483
649,875
843,830
1,005,827
1,036,431
3.Other/misc. liabilities
285,009
364,504
414,792
457,813
488,049
2,701,366
2,788,719
3,101,280
3,301,649
3,305,859
885,314
220,578
153,847
186,633
146,836
3,118
2,412
1,706
1,000
632,744
1,302,087
1,399,216
1,346,206
1,305,644
4.Other/misc. assets
984,296
1,067,030
1,293,978
1,515,190
1,597,807
5.Fixed assets
195,894
196,612
252,533
252,620
255,572
1.Investment income
185,627
222,181
158,638
143,448
72,570
2.Gross premium
577,114
620,729
728,833
893,245
1,039,825
3.Net premium
295,834
335,456
376,719
462,416
532,481
4.Others
4.Gross claims
5.Net claims
367,395
411,069
610,838
840,923
138,807
149,398
168,204
218,828
327,412
8,393
20,952
16,882
4,949
(60,960)
(44,911)
79,653
141,746
90,009
(15,725)
(37,435)
53,343
120,983
71,056
3,934
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
47,876
52,665
60,564
60,564
60,564
20.00%
20.00%
25.00%
20.00%
20.00%
10.00%
15.00%
15.00%
0.00%
0.00%
(171,407)
(56,802)
(48,672)
(92,662)
(91,886)
-2.12%
3.01%
6.57%
3.87%
0.22%
-1.39%
1.91%
3.90%
2.15%
0.12%
-0.78
1.01
2.00
1.17
0.06
46.92%
44.54%
44.65%
47.32%
39.28%
13.95%
6.96%
66.23%
42.11%
31.02%
-22.42%
62.75%
61.49%
-1,549.57%
13.63%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
32.77%
7.91%
4.96%
5.65%
4.44%
23.42%
46.69%
45.12%
40.77%
39.49%
65.48%
63.63%
59.42%
55.67%
53.89%
36.95
33.69
30.42
30.35
29.41
457.88%
-106.48%
-130.41%
-2,335.69%
218
-40.23%
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
355,226
322,582
438,611
515,428
578,713
318,940
229,092
252,002
252,002
318,940
2.Reserves
85,105
92,605
87,500
90,000
90,000
41,029
(22,025)
99,109
106,488
169,773
1.Share capital
583,496
581,766
528,942
593,506
1,054,311
532,062
498,766
457,422
494,137
970,483
51,434
83,000
71,520
99,369
83,828
938,722
904,348
967,553
1,108,934
1,633,024
85,033
63,046
57,541
79,824
68,760
965
1,061
756
922
1,566
285,858
282,690
348,699
406,541
436,862
4.Other/misc. assets
495,355
493,071
498,844
560,732
1,063,195
71,511
64,480
61,713
60,915
62,641
4.Others
5.Fixed assets
53,862
54,861
94,858
110,253
2.Gross premium
650,698
517,474
503,427
553,815
573,802
3.Net premium
445,543
326,555
267,920
238,706
240,703
4.Gross claims
458,356
260,579
233,442
224,614
925,506
5.Net claims
208,358
227,456
96,430
86,322
83,096
6.Underwriting profit
48,173
(51,986)
31,930
15,244
17,044
52,260
(30,994)
56,684
83,317
93,905
40,510
(32,644)
51,934
76,817
87,205
22,909
25,200
25,200
31,894
31,894
2.Cash dividend
0.00%
0.00%
0.00%
7.50%
0.00%
12.50%
1.Investment income
E.Other items
10.00%
10.00%
0.13%
(13,817)
(91,355)
(58,624)
(6,862)
(57,429)
15.00%
11.40%
-10.12%
11.84%
14.90%
15.07%
4.32%
-3.61%
5.37%
6.93%
5.34%
1.77
-1.30
2.06
2.41
2.73
46.76%
69.65%
35.99%
36.16%
34.52%
118.92%
159.25%
61.48%
19.84%
19.54%
4.10%
16.49%
20.48%
39.74%
45.80%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
9.06%
6.97%
5.95%
7.20%
4.21%
30.45%
31.26%
36.04%
36.66%
26.75%
37.84%
35.67%
45.33%
46.48%
35.44%
15.51
12.80
17.41
16.16
18.14
279.85%
-112.88%
-8.93%
219
-65.86%
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
200,731
200,869
158,141
182,544
257,489
325,000
325,000
325,000
325,000
325,000
(124,269)
2012
(124,131)
(166,859)
(142,456)
0
(67,511)
433,973
321,830
243,826
246,329
272,336
401,258
299,819
232,079
221,356
234,364
32,715
22,011
11,747
24,973
37,972
634,704
522,699
401,967
428,873
529,825
99,822
32,389
50,676
62,986
70,408
672
872
347
501
78,613
100,488
77,633
82,342
93,660
417,997
357,867
247,210
250,723
308,901
38,272
31,283
25,576
32,475
56,355
(12,596)
10,793
3,463
7,453
10,212
2.Gross premium
283,451
267,730
202,260
199,712
277,121
3.Net premium
145,286
124,851
82,071
93,468
183,607
308,650
144,837
120,340
58,676
103,173
(103,300)
69,939
69,765
16,427
36,884
6.Underwriting profit
(44,632)
(8,221)
(41,545)
21,020
59,435
(59,884)
1,472
(41,543)
25,338
23,859
(59,884)
847
(42,728)
24,403
74,945
32,500
32,500
32,500
32,500
32,500
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
4.Gross claims
5.Net claims
E.Other items
0.00%
0.00%
0.00%
0.00%
(78,530)
(66,841)
(27,744)
22,208
41,180
-29.83%
0.42%
-27.02%
13.37%
29.11%
-9.43%
0.16%
-10.63%
5.69%
14.15%
-1.84
0.03
-1.31
0.75
2.31
56.02%
85.01%
17.57%
20.09%
-71.10%
74.53%
-970.60%
97.23%
86.14%
79.30%
-8.67%
8.64%
4.22%
7.97%
5.56%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
15.73%
6.20%
12.61%
14.69%
13.29%
12.39%
19.22%
19.31%
19.20%
17.68%
31.63%
38.43%
39.34%
42.56%
48.60%
6.18
6.18
4.87
5.62
7.92
131.14%
-7,891.50%
64.93%
91.01%
54.95%
220
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
6,532,722
6,711,035
6,948,568
7,133,710
7,422,279
680,625
680,625
680,625
680,625
680,625
2,000
2,000
2,000
2,000
2,000
5,850,097
6,028,410
6,265,943
6,451,085
6,739,654
1,245,712
992,095
1,004,648
787,469
1,307,668
249,024
304,077
376,546
428,976
867,932
3.Other/misc. liabilities
996,688
688,018
628,102
358,493
439,736
7,778,434
7,703,130
7,953,216
7,921,179
8,729,947
119,780
45,065
42,541
56,740
164,617
7,225,334
7,116,566
7,295,085
7,211,211
7,272,990
353,047
455,751
530,285
565,889
1,185,189
80,273
85,748
85,305
87,339
107,151
1.Investment income
297,564
446,250
496,436
508,665
633,015
2.Gross premium
210,871
306,795
306,795
435,692
545,980
3.Net premium
69,327
120,201
127,007
155,379
197,583
4.Gross claims
125,767
66,835
66,835
144,095
267,195
16,750
31,282
34,909
52,709
70,020
4.Others
5.Net claims
41,819
47,155
50,465
47,583
56,112
158,589
329,473
410,754
457,157
585,340
153,949
314,439
373,657
389,330
526,788
653,272
653,272
68,063
68,063
68,063
2.Cash dividend
10.00%
10.00%
0.00%
30.00%
20.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(55,301)
(17,521)
(107,591)
(43,078)
45,880
2.36%
4.69%
5.38%
5.46%
7.10%
1.98%
4.08%
4.70%
4.92%
6.03%
0.24
0.48
5.49
5.72
7.74
24.16%
26.02%
27.49%
33.92%
35.44%
27.16%
15.00%
13.51%
12.22%
10.65%
429.22%
371.25%
390.87%
327.37%
320.38%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
1.54%
0.59%
0.53%
0.72%
1.89%
92.89%
92.39%
91.72%
91.04%
83.31%
83.99%
87.12%
87.37%
90.06%
85.02%
10.00
10.27
102.09
104.81
109.05
-5.57%
-28.79%
-11.06%
8.71%
221
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
207,787
225,253
196,220
265,465
283,373
300,000
175,000
200,000
200,000
250,000
2.Reserves
20,000
20,000
20,000
20,000
20,000
12,787
5,253
(23,780)
(4,535)
(36,627)
1.Share capital
547,455
504,417
521,486
567,056
595,704
490,031
645,674
437,230
475,708
504,368
57,424
(141,257)
84,256
91,348
91,336
755,242
729,670
717,706
832,521
879,077
166,841
132,727
136,970
26,324
48,490
1,406
1,390
2,137
2,774
3,556
181,534
182,609
160,273
81,085
268,411
4.Other/misc. assets
352,515
361,726
357,835
538,027
485,820
52,946
51,218
60,491
184,311
72,800
1.Investment income
(64,649)
100,650
16,671
11,654
7,335
2.Gross premium
701,245
645,743
542,760
606,867
630,516
3.Net premium
575,732
481,636
417,389
482,963
508,120
4.Gross claims
478,080
391,264
343,555
332,393
395,058
5.Net claims
333,832
267,997
263,041
247,643
303,949
4.Others
5.Fixed assets
66,392
49,155
20,267
83,566
40,378
(63,847)
21,002
(23,476)
25,199
(29,245)
(71,753)
17,466
(29,033)
19,245
(32,092)
17,500
20,000
20,000
25,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(30,912)
(73,685)
(30,241)
(120,351)
(36,403)
-34.53%
7.75%
-14.80%
7.25%
-11.33%
-9.50%
2.39%
-4.05%
2.31%
-3.65%
-4.10
0.87
-1.45
0.77
-1.07
51.28%
59.82%
-92.53%
57.98%
281.43%
-69.81%
434.22%
-125.82%
-11.23%
20.90%
3.99%
2.41%
1.44%
55.64%
63.02%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
22.09%
18.19%
19.08%
3.16%
5.52%
24.04%
25.03%
22.33%
9.74%
30.53%
27.51%
30.87%
27.34%
31.89%
32.24%
11.87
11.26
9.81
10.62
9.45
43.08%
-421.88%
104.16%
-625.36%
113.43%
222
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
320,987
355,281
392,780
441,457
441,457
168,750
210,938
253,125
305,648
305,648
42,203
52,750
63,350
76,500
76,500
110,034
91,593
76,305
59,309
59,309
37,049
36,829
60,620
60,397
60,397
178,201
191,942
293,029
335,209
335,209
2,320
3,934
437,230
216,201
216,201
175,881
188,008
(144,201)
119,008
119,008
536,237
584,052
746,429
837,063
837,063
279,284
315,872
328,766
324,146
324,146
5,439
8,167
6,697
3,774
3,774
51,942
42,692
47,614
76,894
76,894
107,716
120,297
218,491
283,866
283,866
91,856
97,024
144,861
148,383
148,383
12,149
19,549
8,997
3,493
3,493
220,984
231,572
278,545
278,545
139,661
147,869
154,114
188,429
188,429
72,052
119,445
97,102
97,102
5.Net claims
16,044
28,462
40,909
33,999
33,999
6.Underwriting profit
84,270
58,972
50,892
69,821
69,821
82,292
38,698
38,733
48,137
48,137
(7,517)
(4,625)
37,291
48,454
48,454
16,000
21,094
25,313
30,565
30,565
2.Cash dividend
0.00%
0.00%
15.00%
0.00%
25.00%
4.Gross claims
E.Other items
0.00%
0.00%
0.00%
5.00%
10.00%
84,772
45,454
27,674
45,396
45,396
-2.34%
-1.30%
9.49%
10.98%
10.98%
-1.40%
-0.79%
5.00%
5.79%
5.79%
-0.47
-0.22
1.47
1.59
1.59
11.49%
-1,121.06%
19.25%
-1,275.07%
26.54%
18.04%
18.04%
136.47%
144.10%
144.10%
8.70%
13.22%
5.84%
1.85%
1.85%
52.08%
54.08%
44.05%
38.72%
38.72%
9.69%
7.31%
6.38%
9.19%
9.19%
59.86%
60.83%
52.62%
52.74%
52.74%
20.06
16.84
15.52
14.44
14.44
-1,127.74%
-982.79%
74.21%
93.69%
93.69%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
223
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
819
1.Share capital
2.Reserves
2,831
2,831
2,831
(2,012)
(1,597)
(1,597)
4.Others
8,395
8,395
8,395
2,074
2,971
2,971
0
1,576
Items
A.Total equity (A1 to A3)
1,234
1,234
1,108
1,576
3.Other/misc. liabilities
966
1,395
1,395
12,600
12,600
286
11,288
65
286
10,160
10,160
9,760
4.Other/misc. assets
1,380
2,066
2,066
5.Fixed assets
83
88
88
1.Investment income
2.Gross premium
2,545
2,545
2,545
3.Net premium
1,163
2,236
2,236
4.Gross claims
5.Net claims
6.Underwriting profit
184
1,055
1,055
(457)
439
439
(468)
414
414
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(113)
718
718
-57.14%
33.55%
33.55%
-4.15%
3.29%
3.29%
0.00%
0.36%
0.36%
-39.32%
254.83%
254.83%
0.00%
0.00%
0.00%
0.58%
2.27%
2.27%
86.46%
80.63%
80.63%
7.26%
9.79%
9.79%
24.15%
173.43%
173.43%
E.Other items
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
224
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
312,139
315,109
315,426
1.Share capital
300,000
300,000
300,000
2.Reserves
6,975
7,450
7,779
5,164
7,659
7,647
4.Others
618,063
611,968
1,675,371
7,093
9,525
21,643
Items
A.Total equity (A1 to A3)
5,805
3,615
2,440
3.Other/misc. liabilities
1,288
5,910
19,203
937,295
936,602
2,012,440
12,211
12,153
10,927
5,018
5,508
7,658
4.Other/misc. assets
2,504
2,401
1,209
5.Fixed assets
917,562
916,540
1,992,646
1.Investment income
2,506
2,908
3,337
2.Gross premium
6,142
6,142
4,597
9,018
5,247
3,349
3.Net premium
4.Gross claims
119
119
856
5.Net claims
2,314
(44)
695
6.Underwriting profit
(3,468)
(3,249)
(5,400)
1,644
2,169
1,181
736
1,899
1,317
30,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(5,285)
(5,720)
(6,259)
0.24%
0.60%
0.42%
0.08%
0.20%
0.07%
0.02
0.06
0.04
E.Other items
25.66%
-0.84%
20.75%
-471.20%
-171.09%
-410.02%
27.79%
55.42%
99.64%
1.30%
1.30%
0.54%
0.54%
0.59%
0.38%
33.30%
33.64%
15.67%
10.40
10.50
10.51
-718.07%
-301.21%
-475.25%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
225
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
109,648
79,165
82,909
84,336
66,173
121,000
121,000
121,000
121,000
121,000
26,265
26,265
26,265
26,264
26,264
(37,617)
(68,100)
(64,356)
(62,928)
(81,091)
21,108
21,108
21,108
21,108
177,051
137,504
110,589
96,934
88,743
146,663
107,219
100,982
89,281
81,152
30,388
30,285
9,607
7,653
7,591
286,699
237,777
214,606
202,378
176,024
27,915
18,062
15,068
10,457
8,666
70,863
35,220
29,739
24,106
21,971
161,052
139,247
128,110
126,126
106,309
26,869
45,248
41,689
41,689
39,078
(9,011)
(25,009)
1,911
396
6,091
117,441
93,893
73,387
140,800
105,364
74,157
60,230
40,991
35,025
39,349
25,426
62,822
34,476
21,095
18,372
11,760
10,612
26,139
25,835
15,562
6,558
(37,399)
(43,379)
4,605
2,220
(17,842)
(37,729)
(30,483)
3,744
1,427
(18,162)
12,100
12,100
12,100
12,100
12,100
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
E.Other items
0.00%
0.00%
0.00%
0.00%
(12,741)
(17,950)
(9,045)
(9,704)
(5,990)
-34.41%
-38.51%
4.52%
1.69%
-27.45%
-13.16%
-12.82%
1.74%
0.71%
-10.32%
-3.12
-2.52
0.31
0.12
-1.50
44.62%
28.45%
30.50%
-28.13%
-85.75%
32.72%
690.04%
1,090.54%
-6.40%
-23.74%
2.58%
0.66%
28.69%
-36.11%
14.86%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
9.74%
7.60%
7.02%
5.17%
4.92%
24.72%
14.81%
13.86%
11.91%
12.48%
38.24%
33.29%
38.63%
41.67%
37.59%
9.06
6.54
6.85
6.97
5.47
33.77%
58.89%
-241.59%
-680.03%
32.98%
226
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
275,041
362,066
351,640
404,367
499,153
200,000
200,000
250,000
300,000
300,000
2.Reserves
65,000
55,000
105,000
100,000
190,000
10,041
107,066
(3,360)
4,367
9,153
1.Share capital
9,175
6,810
11,072
10,743
10,431
224,782
175,891
231,474
290,868
225,328
134,535
123,540
158,302
239,603
174,501
90,247
52,351
73,172
51,265
50,827
508,998
544,767
594,186
705,978
734,912
47,979
138,214
90,857
118,604
197,179
99
106
181
193
220
174,496
170,044
252,578
181,812
189,097
4.Other/misc. assets
191,489
141,172
161,809
323,123
270,878
94,935
95,231
88,761
82,246
77,538
(1,346,842)
8,361,941
9,263
8,319
12,432
219,395
261,643
345,416
443,962
91,863
109,891
110,546
142,680
228,961
4.Others
5.Fixed assets
122,925
181,579
217,510
183,752
5.Net claims
20,574
29,170
68,862
65,955
74,902
6.Underwriting profit
51,080
54,970
21,239
48,400
135,027
25,405
105,448
(1,658)
33,123
130,978
22,269
84,659
4,826
52,398
109,474
20,000
20,000
25,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
9.09%
0.00%
4.Gross claims
E.Other items
0.00%
0.00%
5.00%
5.00%
25.00%
25,129
15,677
33,763
(55,599)
76,848
8.10%
23.38%
1.37%
12.96%
21.93%
4.38%
15.54%
0.81%
7.42%
14.90%
1.11
4.23
0.19
1.75
3.65
22.40%
26.54%
62.29%
46.23%
32.71%
229.38%
64.93%
440.10%
92.37%
123.34%
-1,466.14%
7,609.30%
8.38%
5.83%
5.43%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
9.43%
25.37%
15.29%
16.80%
26.83%
34.28%
31.21%
42.51%
25.75%
25.73%
54.04%
66.46%
59.18%
57.28%
67.92%
13.75
18.10
14.07
13.48
16.64
112.84%
18.52%
699.61%
-106.11%
70.20%
227
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
193,762
367,597
387,304
1.Share capital
310,000
452,313
452,313
2.Reserves
(84,716)
(65,009)
4.Others
Items
A.Total equity (A1 to A3)
(116,238)
368,771
408,323
455,767
264,347
314,761
417,763
3.Other/misc. liabilities
104,424
93,562
38,004
775,920
843,071
17,769
562,533
5,099
22,065
503
511
1,018
163,056
149,272
29,848
4.Other/misc. assets
247,234
336,007
506,966
5.Fixed assets
279,849
254,281
168,046
1.Investment income
3,978
8,521
6,186
2.Gross premium
409,416
513,332
625,992
3.Net premium
331,294
453,632
619,854
4.Gross claims
198,477
246,669
352,296
5.Net claims
141,860
171,289
253,888
6.Underwriting profit
19,117
72,956
87,459
(14,052)
42,814
62,193
(19,756)
29,777
42,708
31,000
45,231
45,231
2.Cash dividend
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
44,560
73,349
54,829
-10.20%
8.10%
11.03%
-3.51%
3.84%
5.07%
-0.64
0.66
0.94
E.Other items
37.76%
40.96%
-96.77%
245.01%
204.78%
1.20%
1.88%
1.00%
0.91%
2.84%
2.11%
5.31%
21.01%
17.71%
34.44%
47.38%
45.94%
6.25
8.13
8.56
-225.55%
246.33%
128.38%
42.82%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
228
(Thousand Rupees)
2011
2012
2008
2009
2010
154,424
226,845
500,128
628,054
656,892
300,000
500,000
800,000
800,000
800,000
(145,576)
2012
(273,155)
(299,872)
(171,946)
0
(143,108)
648,038
615,718
583,126
724,002
836,097
536,163
551,215
437,230
641,084
732,108
3.Other/misc. liabilities
111,875
64,503
145,896
82,918
103,989
802,462
842,563
1,083,254
1,352,056
1,492,989
24,738
18,989
27,389
14,773
27,602
1,418
1,473
795
961
996
114,723
204,999
378,957
513,791
593,441
4.Other/misc. assets
579,407
551,624
629,648
787,735
826,588
82,176
65,478
46,465
34,796
44,362
4.Others
5.Fixed assets
1,920
28,768
70,920
72,498
2.Gross premium
522,905
579,037
624,604
644,728
727,571
3.Net premium
273,616
264,807
238,765
252,755
278,023
4.Gross claims
299,443
481,742
459,886
446,328
502,191
5.Net claims
145,589
234,206
165,537
165,569
190,517
1.Investment income
6.Underwriting profit
7.Profit/(loss) before taxation
8.Profit/(loss) after taxation
96,816
(44,409)
26,666
33,354
40,127
(126,278)
(17,644)
33,347
41,620
(75)
(127,579)
(20,945)
127,926
28,838
E.Other items
1.No. of ordinary shares (000)
30,000
50,000
80,000
80,000
80,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(129,185)
(122,447)
(141,987)
54,098
36,395
-0.05%
-56.24%
-4.19%
20.37%
4.39%
-0.01%
-15.14%
-1.93%
9.46%
1.93%
0.00
-2.55
-0.26
1.60
0.36
88.44%
69.33%
65.51%
68.53%
-129,088.00%
53.21%
34.81%
-127.31%
26.07%
139.15%
1.45%
0.73%
12.05%
28.06%
26.08%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
3.08%
2.25%
2.53%
1.09%
1.85%
14.30%
24.33%
34.98%
38.00%
39.75%
19.24%
26.92%
46.17%
46.45%
44.00%
5.15
4.54
6.25
7.85
8.21
172,246.67%
95.98%
677.90%
42.29%
126.21%
229
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
46,507
42,431
42,431
1.Share capital
81,600
81,600
81,600
2.Reserves
7,463
7,463
7,463
(42,556)
(46,632)
(46,632)
4.Others
Items
A.Total equity (A1 to A3)
54
54
54
10,982
9,538
9,538
7,583
6,655
6,655
3.Other/misc. liabilities
3,399
2,883
2,883
52,023
52,023
5,692
57,543
8,462
5,692
1,126
1,126
1,126
4.Other/misc. assets
13,250
13,165
13,165
5.Fixed assets
34,705
32,040
32,040
1.Investment income
100
265
265
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
6.Underwriting profit
1,483
(6,160)
(4,076)
(4,076)
(6,160)
(4,076)
(4,076)
8,160
8,160
8,160
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(2,605)
(3,120)
(3,120)
-13.25%
-9.61%
-9.61%
-10.71%
-7.83%
-7.83%
-0.75
-0.50
-0.50
(2,123)
E.Other items
-24.07%
0.00%
0.00%
14.71%
10.94%
10.94%
1.96%
2.16%
2.16%
80.82%
81.56%
81.56%
5.70
5.20
5.20
42.29%
76.55%
76.55%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
230
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
483,845
548,344
666,806
764,809
926,646
302,407
345,000
400,200
496,248
570,685
75,115
75,116
75,116
75,116
75,116
106,323
128,228
191,490
193,445
280,845
1,557
1,479
1,405
1,335
63,999
359,251
468,499
569,915
678,246
1,115,366
208,044
294,799
359,407
509,587
909,680
3.Other/misc. liabilities
151,207
173,700
210,508
168,659
205,686
844,653
1,018,322
1,238,126
1,444,390
2,106,011
206,770
218,843
251,676
271,519
385,220
1,631
1,664
3,621
5,975
5,907
84,474
96,537
135,995
137,638
208,881
4.Other/misc. assets
328,270
393,835
424,740
607,164
925,094
5.Fixed assets
223,508
307,443
422,094
422,094
580,909
4.Others
10,824
21,023
18,085
42,489
2.Gross premium
550,323
638,266
806,253
923,785
1,149,437
3.Net premium
356,523
423,731
550,559
643,736
783,340
4.Gross claims
204,880
239,503
349,167
413,269
556,443
5.Net claims
102,975
121,560
175,550
262,777
245,413
6.Underwriting profit
1.Investment income
168,587
205,471
277,226
259,222
308,028
58,223
72,792
133,537
114,473
187,522
55,913
64,421
118,387
97,933
161,272
30,240
34,500
40,020
49,625
57,069
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
E.Other items
14.08%
0.00%
24.00%
15.00%
23.00%
88,705
134,972
151,854
173,974
296,469
11.56%
11.75%
17.75%
12.80%
17.40%
6.62%
6.33%
9.56%
6.78%
7.66%
1.85
1.87
2.96
1.97
2.83
28.88%
28.69%
31.89%
40.82%
31.33%
301.52%
318.95%
234.17%
264.69%
191.00%
0.47%
2.55%
3.82%
2.81%
5.42%
24.48%
21.49%
20.33%
18.80%
18.29%
10.00%
9.48%
10.98%
9.53%
9.92%
57.28%
53.85%
53.86%
52.95%
44.00%
16.00
15.89
16.66
15.41
16.24
158.65%
209.52%
128.27%
177.65%
183.83%
G.Liquidity ratios
231
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
256,914
265,093
232,997
207,765
143,380
300,000
210,000
210,000
262,500
300,000
2.Reserves
14,368
10,614
14,127
14,249
14,360
32,546
44,479
(43,630)
(106,484)
(170,980)
1.Share capital
120,326
211,373
230,544
247,442
598,817
618,599
660,217
630,863
522,012
119,646
131,000
567,722
513,322
410,997
3.Other/misc. liabilities
479,171
487,599
92,495
117,541
111,015
855,731
1,004,018
1,104,587
1,069,172
912,834
151,974
158,900
88,309
129,652
61,875
554
773
643
1,096
926
84,172
54,757
160,175
135,201
134,967
4.Other/misc. assets
505,304
553,047
608,409
546,617
458,715
5.Fixed assets
113,727
236,541
247,051
256,606
256,351
4.Others
1.Investment income
2.Gross premium
3.Net premium
16,320
8,172
6,180
6,817
556,737
512,126
483,551
350,177
407,075
360,799
328,663
292,305
210,671
293,790
355,874
214,718
134,061
196,970
181,590
177,037
143,400
101,608
6.Underwriting profit
95,869
57,840
(17,243)
(2,023)
1,439
34,238
11,933
(103,433)
(110,583)
(65,672)
21,062
8,850
(86,485)
(64,808)
(66,256)
21,000
21,000
26,250
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
4.Gross claims
5.Net claims
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(140,275)
(167,136)
(101,480)
(26,286)
(96,930)
8.20%
3.34%
-37.12%
-31.19%
-46.21%
2.46%
0.88%
-7.83%
-6.06%
-7.26%
1.00
0.42
-3.29
-2.16
-2.21
48.39%
50.33%
53.87%
49.06%
48.23%
455.18%
653.56%
19.94%
3.12%
-2.17%
-0.38%
4.52%
2.49%
2.11%
3.24%
17.76%
15.83%
7.99%
12.13%
6.78%
9.84%
5.45%
14.50%
12.65%
14.79%
30.02%
26.40%
21.09%
19.43%
15.71%
12.23
12.62
8.88
6.93
4.78
-666.01%
-1,888.54%
117.34%
40.56%
146.30%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)
232
(Thousand Rupees)
2011
2012
2008
2009
2010
1,821,033
1,982,352
1,601,935
1,606,105
1,646,133
2,140,771
2,290,772
2,366,653
2,468,429
2,498,058
46,713
89,609
145,014
(811,431)
(951,933)
(996,939)
(319,738)
2012
(308,420)
(7,429)
(7,430)
866,961
946,861
1,746,964
2,934,224
5,168,993
199,151
43,741
677,233
1,608,593
3,596,423
367,308
497,859
788,511
961,893
985,500
3.Other/misc. liabilities
300,502
405,261
281,220
363,738
587,070
2,680,565
2,921,783
3,341,470
4,530,239
6,810,036
718,282
873,776
1,036,205
1,635,326
2,628,354
1,072,117
1,025,765
1,089,272
1,481,268
2,676,583
4.Other/misc. assets
608,487
702,599
934,858
1,177,713
1,287,746
5.Fixed assets
281,679
319,643
281,135
235,932
217,353
4.Others
(7,429)
(10,090)
(5,090)
73,881
144,358
60,626
113,575
586,031
1,004,939
1,932,885
2,953,964
4,799,592
3.Net premium
1,035,041
755,305
756,281
976,857
1,283,522
4.Gross claims
522,621
764,849
708,682
890,373
1,227,975
5.Net claims
589,898
541,915
575,022
572,542
793,930
1.Investment income
2.Gross premium
238,563
109,957
(118,275)
(51,564)
22,044
(133,126)
(255,378)
(230,434)
(57,506)
(14,967)
(118,028)
(118,974)
(142,654)
(44,412)
13,322
214,077
229,077
236,665
246,843
246,843
6.Underwriting profit
E.Other items
1.No. of ordinary shares (000)
N/A
2.Cash dividend
N/A
N/A
N/A
N/A
(367,162)
11,688
693,636
1,700,989
-6.48%
-6.00%
-8.91%
-2.77%
0.81%
-4.40%
-4.07%
-4.27%
-0.98%
0.20%
-0.55
-0.52
-0.60
-0.18
0.05
71.75%
N/A
N/A
(171,636)
N/A
N/A
N/A
76.03%
58.61%
61.86%
-202.12%
56.99%
-92.42%
82.91%
116.10%
165.47%
8.86%
9.78%
19.09%
6.21%
8.85%
26.80%
29.91%
31.01%
36.10%
38.60%
40.00%
35.11%
32.60%
32.70%
39.30%
67.93%
67.85%
47.94%
35.45%
24.17%
8.51
8.65
6.77
6.51
6.67
145.42%
308.61%
-8.19%
-1,561.82%
12,768.27%
G.Liquidity ratios
233
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
751,012
718,407
652,846
562,470
519,477
750,000
750,000
750,000
750,000
750,000
1,012
(31,593)
(97,154)
(187,530)
0
(230,523)
(10,090)
(10,090)
(10,090)
(10,090)
(5,090)
33,054
63,757
175,373
309,339
557,676
11,434
24,342
97,413
205,169
432,973
64,995
4.Others
1,665
15,917
76,834
44,044
19,955
23,498
1,126
60,126
59,708
773,976
772,074
818,129
861,719
1,072,063
114,625
132,123
163,787
244,821
504,982
543,823
451,454
393,943
333,157
286,709
4.Other/misc. assets
88,407
115,008
176,361
228,108
227,464
5.Fixed assets
27,121
73,489
84,038
55,633
52,908
1.Investment income
43,383
55,689
47,452
29,865
65,120
2.Gross premium
34,017
49,823
203,653
326,254
523,380
3.Net premium
129,975
203,715
292,814
4.Gross claims
100,000
7,079
19,716
20,949
30,890
5.Net claims
100,000
2,228
5,287
6,323
8,637
10,757
(42,834)
(105,270)
(115,532)
(63,944)
5,104
(32,605)
(65,561)
(90,376)
(42,993)
75,000
75,000
75,000
75,000
75,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
7.Profit/(loss) before taxation
8.Profit/(loss) after taxation
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(106,316)
(87,079)
(46,413)
(18,495)
98,284
0.68%
-4.54%
-10.04%
-16.07%
-8.28%
0.66%
-4.22%
-8.01%
-10.49%
-4.01%
0.07
-0.43
-0.87
-1.21
-0.57
4.07%
3.10%
2.95%
0.00%
0.00%
0.00%
0.00%
0.00%
36.51%
14.66%
22.24%
14.81%
17.11%
20.02%
28.41%
47.10%
70.26%
58.47%
48.15%
38.66%
26.74%
97.03%
93.05%
79.80%
65.27%
48.46%
10.01
9.58
8.70
7.50
6.93
-2,082.99%
267.07%
70.79%
20.46%
-228.60%
G.Liquidity ratios
234
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
227,563
387,714
189,529
199,730
215,375
250,000
400,000
400,000
400,000
400,000
46,713
89,609
145,014
(22,437)
(12,286)
(257,184)
(289,879)
(329,639)
121,358
141,046
417,185
481,307
448,893
(1,544)
(41,204)
101,378
141,933
323,033
366,979
342,836
21,524
40,317
94,152
114,328
106,057
348,921
528,760
606,714
681,037
664,268
142,024
270,181
277,407
257,599
236,662
42,591
42,461
54,646
56,871
69,869
130,034
180,176
240,928
336,960
329,450
34,272
35,942
33,733
29,607
28,287
610
1,904
1,499
2,511
2.Gross premium
222,456
256,734
322,967
410,924
484,301
3.Net premium
143,043
159,952
239,644
266,026
306,416
4.Gross claims
220,097
219,145
250,424
305,855
340,355
5.Net claims
197,353
197,534
229,144
225,946
281,781
6.Underwriting profit
1.Investment income
(60,173)
68,370
(67,902)
(39,914)
44,312
1,707
12,345
64,352
49,318
60,952
1,707
10,151
59,000
42,895
55,405
25,000
40,000
40,000
40,000
40,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(80,188)
29,175
(13,192)
(51,536)
(40,682)
0.75%
2.62%
31.13%
21.48%
25.72%
0.49%
1.92%
9.72%
6.30%
8.34%
0.07
0.25
1.48
1.07
1.39
84.93%
91.96%
137.97%
123.50%
95.62%
-3,525.07%
673.53%
-115.09%
-93.05%
79.98%
0.39%
0.38%
0.79%
0.56%
0.82%
40.70%
51.10%
45.72%
37.82%
35.63%
12.21%
8.03%
9.01%
8.35%
10.52%
65.22%
73.33%
31.24%
29.33%
32.42%
9.10
9.69
4.74
4.99
5.38
-4,697.60%
287.41%
-22.36%
-120.14%
-73.43%
G.Liquidity ratios
235
(Thousand Rupees)
2011
2012
2008
2009
2010
367,095
431,155
362,279
434,160
444,325
532,971
532,972
608,853
710,629
710,629
(165,876)
2012
(101,817)
(246,574)
(276,469)
0
(266,304)
293,332
122,170
715,126
1,637,879
3,484,764
226,212
64,110
575,702
1,400,522
3,172,629
65,459
56,399
136,034
181,681
159,448
1,661
1,661
3,390
55,676
152,687
660,427
553,325
1,077,405
2,072,039
3,929,089
81,268
84,327
349,256
811,894
1,496,680
285,428
255,437
406,802
902,195
2,055,307
4.Other/misc. assets
157,717
99,415
219,453
268,745
289,539
5.Fixed assets
136,014
114,146
101,894
89,205
87,563
4.Others
8,478
17,636
23,435
37,603
2.Gross premium
121,740
26,838
1,043,143
1,865,386
3,324,328
3.Net premium
456,177
125,102
152,300
272,569
367,323
4.Gross claims
86,295
25,534
158,833
262,391
519,852
5.Net claims
37,885
21,820
100,580
130,547
231,527
1.Investment income
233,279
74,195
(105,262)
(115,278)
(105,771)
(4,373)
(48,187)
(62,330)
(72,365)
(72,027)
(9,395)
(26,672)
53,297
53,297
60,885
71,063
71,063
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
6.Underwriting profit
7.Profit/(loss) before taxation
8.Profit/(loss) after taxation
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
16,442
(63,071)
304,614
780,441
1,560,954
-16.98%
-16.78%
-19.88%
-2.16%
-6.00%
-9.44%
-13.08%
-6.69%
-0.45%
-0.68%
-1.17
-1.36
-1.18
-0.13
-0.38
63.03%
8.30%
17.44%
66.04%
47.90%
-374.26%
-102.53%
0.00%
0.00%
0.00%
8.89%
6.78%
11.58%
8.60%
10.24%
12.31%
15.24%
32.42%
39.18%
38.09%
43.22%
46.16%
37.76%
43.54%
52.31%
55.58%
77.92%
33.63%
20.95%
11.31%
6.89
8.09
5.95
6.11
6.25
-26.38%
87.16%
-422.92%
-8,306.98%
-5,852.41%
G.Liquidity ratios
236
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
278,576
279,094
266,740
275,297
323,698
307,800
307,800
307,800
307,800
337,429
(29,224)
(28,706)
(41,060)
(32,503)
(13,731)
2,661
2,660
2,661
63,023
112,824
105,971
172,789
320,762
40,718
117,779
49,345
162,130
201,114
3.Other/misc. liabilities
22,305
(4,955)
56,626
10,659
119,648
344,260
394,578
375,372
448,086
644,460
135,543
30,164
14,316
81,817
139,378
122,485
221,674
184,810
131,274
224,528
4.Other/misc. assets
53,313
90,283
140,453
193,306
248,404
5.Fixed assets
32,919
52,457
35,793
41,689
32,150
4.Others
3,965
1,920
75,803
3,741
6,388
579,037
141,503
171,214
274,348
273,616
264,807
87,425
91,317
165,903
481,742
162,401
187,398
229,838
145,589
234,206
137,620
136,142
193,693
96,816
(44,409)
(126,278)
(43,694)
11,247
30,589
(1,301)
(28,625)
8,557
18,772
(75)
E.Other items
1.No. of ordinary shares (000)
30,780
30,780
30,780
30,780
30,780
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(129,185)
(122,446)
(77,219)
(7,893)
96,452
-0.03%
-0.47%
-10.73%
3.11%
5.80%
-0.02%
-0.33%
-7.63%
1.91%
2.91%
0.00
-0.04
-0.93
0.28
0.61
88.44%
157.41%
149.09%
116.75%
-129,088.00%
53.21%
3,413.45%
0.00%
0.00%
0.00%
1.45%
0.73%
86.71%
4.10%
3.85%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
39.37%
7.64%
3.81%
18.26%
21.63%
35.58%
56.18%
49.23%
29.30%
34.84%
80.92%
70.73%
71.06%
61.44%
50.23%
9.05
9.07
8.67
8.94
10.52
172,246.67%
9,411.68%
269.76%
-92.24%
513.81%
237
(Thousand Rupees)
2011
2012
2008
2009
2010
196,787
165,982
130,541
134,448
143,258
300,000
300,000
300,000
300,000
300,000
(103,213)
2012
(134,018)
(169,459)
(165,552)
0
(156,742)
356,194
507,064
333,309
332,910
356,898
(36,951)
(3,507)
4,118
2,902
(9,179)
158,088
165,831
203,265
207,059
217,107
3.Other/misc. liabilities
235,057
344,740
125,926
122,949
148,970
552,981
673,046
463,850
467,358
500,156
244,822
356,981
231,439
239,195
250,652
77,790
54,739
49,071
57,771
40,170
179,016
217,717
157,663
150,594
192,889
51,353
43,609
25,677
19,798
16,445
4.Others
7,184
1,563
2,086
1,953
2.Gross premium
207,818
92,507
221,619
180,186
193,235
3.Net premium
162,205
205,444
146,937
143,230
151,066
4.Gross claims
116,229
31,349
117,308
113,780
107,040
5.Net claims
109,071
86,127
102,391
73,584
78,292
6.Underwriting profit
(31,359)
11,801
(50,373)
(11,650)
(22,268)
(40,328)
16,667
(40,051)
1,834
5,623
(62,434)
(22,854)
(35,441)
3,907
8,810
30,000
30,000
30,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
1.Investment income
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
127,611
(123,741)
(156,102)
(8,881)
(14,019)
-31.73%
-13.77%
-27.15%
2.91%
6.15%
-11.29%
-3.40%
-7.64%
0.84%
1.76%
-2.08
-0.76
-1.18
0.13
0.29
67.24%
69.68%
51.37%
51.83%
50.23%
-51.64%
142.13%
-298.18%
-252.76%
1.97%
3.50%
1.06%
1.46%
1.29%
44.27%
53.04%
49.90%
51.18%
50.11%
14.07%
8.13%
10.58%
12.36%
8.03%
35.59%
24.66%
28.14%
28.77%
28.64%
6.56
5.53
4.35
4.48
4.78
-204.39%
541.44%
440.46%
-227.31%
-159.13%
41.92%
G.Liquidity ratios
238
2012
HOUSING FINANCE
PERFORMANCE AT A GLANCE
In the housing finance sector, there has been one company available, i.e., House Building Finance
Company Ltd. (HBFCL). Total assets witnessed an increase of around 3 percent to stand at Rs 20.1
billion in CY12 as compared to Rs. 19.6 billion in CY11. HBFCL showed a loss before taxation of
Rs.172.1 million.
Billion Rs.
15.0
10.0
5.0
0.0
-14%
Total Equity
Total
Liabilities
Total
Assets
CY 11
2.3
17.1
19.6
CY 12
2.0
17.9
20.1
-14%
5%
3%
Growth
Current
assets
in
CY12.
Total
CY 11
liabilities
10%
5%
0%
-5%
-10%
-15%
-20%
CY 12
25,000
20,000
Million Rs.
previous
3%
5%
20.0
15,000
10,000
5,000
Current
Assets
Non-Current
Assets
Current
Liabilities
Non-Current
Liabilities
1,800
Million Rs
2,200
1,400
1,000
600
200
-200
Revenue
Admin. &
General Exp.
CY 11
1,957
1,711
169
119
CY 12
1,261
1,426
-172.1
-191
239
Profit before
Tax
Profit after
Tax
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,575,852
2,050,067
2,172,422
2,291,191
1,966,600
3,127,164
3,127,164
3,144,098
3,144,098
3,001,000
498,463
498,463
520,969
545,062
532,089
(1,049,775)
(1,575,560)
(1,492,645)
(1,397,969)
(1,566,489)
2,685
2,107
(18,759)
213,130
222,252
15,778,578
16,098,002
17,067,528
17,053,189
17,908,901
15,778,578
16,075,420
17,048,185
17,021,332
17,908,901
22,582
19,343
31,857
a.Lease finance
22,582
19,343
31,857
18,357,115
18,150,176
19,221,191
19,557,510
20,097,753
1.Current assets (a + b)
18,323,522
18,077,225
19,141,486
19,403,106
20,097,753
704,067
219,559
156,235
507,360
281,817
17,619,455
17,857,666
18,985,251
18,895,746
19,815,936
33,593
72,951
79,705
154,404
9,188
13,622
27,521
26,537
24,405
59,329
52,184
127,867
1.Revenue
3,068,036
1,282,353
1,555,757
1,956,968
1,260,775
1,227,434
1,425,923
2.Non-current liabilities (a + b)
1,297,638
1,386,629
1,710,661
(2,841)
(79,008)
133,131
168,973
(172,066)
(389,881)
(109,591)
105,421
118,769
(190,776)
312,716
312,716
314,410
314,410
300,100
E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(227,022)
651,531
2,324,105
2,438,307
773,794
-15.14%
-5.35%
4.85%
5.18%
-9.70%
-15.12%
-5.28%
4.85%
4.68%
-8.72%
-2.12%
-0.60%
0.55%
0.61%
-0.95%
-432.04
-16.42
10.42
10.12
-8.29
-1.25
-0.35
0.34
0.38
-0.64
3.84%
1.21%
0.81%
2.59%
1.40%
1.16
1.12
1.12
1.14
1.12
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Current assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C) (times)
4.Investment to total assets (C2a/C)
0.86
0.89
0.89
0.87
0.89
0.05%
0.08%
0.14%
0.14%
0.00%
14.03%
11.30%
11.30%
11.72%
9.79%
8.24
6.56
6.91
7.29
6.55
0.58
-5.95
22.05
20.53
-4.06
-0.01
0.04
0.14
0.14
0.04
240
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
2,449,267
1,924,379
2,036,911
2,157,378
1,966,600
3,001,000
3,001,000
3,001,000
3,001,000
3,001,000
485,490
485,490
507,996
532,089
532,089
(1,037,223)
(1,562,111)
(1,472,085)
(1,375,711)
(1,566,489)
(578)
(18,759)
213,130
222,252
15,761,322
16,061,019
17,034,993
17,002,154
17,908,901
15,761,322
16,061,019
17,034,993
17,002,154
17,908,901
a.Lease finance
18,210,589
17,984,820
19,053,145
19,372,662
20,097,753
1.Current assets (a + b)
18,210,589
17,984,820
19,053,145
19,372,662
20,097,753
703,288
218,769
155,775
506,564
281,817
17,507,301
17,766,051
18,897,370
18,866,098
19,815,936
b.Other assets
1.Revenue
3,056,225
1,268,809
1,548,914
1,945,124
1,260,775
1,216,349
1,283,545
1,372,740
1,697,632
1,425,923
1,423
(78,112)
140,211
170,580
(172,066)
(385,557)
(108,695)
112,532
120,467
(190,776)
300,100
300,100
300,100
300,100
300,100
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(239,151)
647,811
2,309,603
2,437,877
773,794
-15.74%
-5.65%
5.52%
5.58%
-9.70%
-15.74%
-5.65%
5.58%
5.08%
-8.72%
-2.12%
-0.60%
0.59%
0.62%
-0.95%
854.78
-16.43
9.79
9.95
-8.29
-1.28
-0.36
0.37
0.40
-0.64
3.86%
1.22%
0.82%
2.61%
1.40%
1.16
1.12
1.12
1.14
1.12
2.Non-current liabilities (a + b)
E.Other items
1.No. of ordinary shares (000)
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Current assets to current liabilities (C1/B1) (times)
3.Total liabilities to total assets (B/C) (times)
4.Investment to total assets (C2a/C)
0.87
0.89
0.89
0.88
0.89
0.00%
0.00%
0.00%
0.00%
0.00%
13.45%
10.70%
10.69%
11.14%
9.79%
8.16
6.41
6.79
7.19
6.55
0.62
-5.96
20.52
20.24
-4.06
-0.02
0.04
0.14
0.14
0.04
241
VENTURE CAPITAL
242
2012
4.Others
(Thousand Rupees)
2011
2012
2008
2009
2010
3,795,510
(375,302)
(1,339,491)
(2,128,737)
16,897
25,073
4,168,907
4,205,980
4,205,980
4,205,980
290,145
237,605
162,223
(4,871,427)
(5,783,076)
(6,496,940)
(373,397)
3.Unappropriated profit/loss
2012
752
(8,928)
12,000
769,105
743,249
667,521
20,892
247,193
6,390,690
6,769,505
6,511,448
2,562
224,871
5,765,399
6,348,032
6,057,018
2,405
22,322
625,291
421,473
454,430
157
4,054,703
6,784,493
6,173,263
5,050,232
40,351
144,913
2,728,074
3,565,932
2,772,110
36,256
6,496
321,524
542,959
464,660
615
138,417
2,406,550
3,022,973
2,307,450
35,641
3,909,790
4,056,419
2,607,331
2,278,122
4,095
3,862,483
3,929,756
2,399,507
2,110,508
4,075
47,307
126,663
207,824
167,614
20
1.Revenue
20,342
10,367,521
9,526,726
10,247,746
4,796
48,378
3,270,874
2,881,637
2,784,555
1,285
3.Financial charges
55,628
288,659
233,972
225,077
57
(65,588)
(1,935,167)
(1,600,143)
(1,075,243)
3,454
(91,307)
(1,948,392)
(1,580,976)
(1,127,043)
1,981
416,891
420,598
420,598
420,598
2,507
E.Other items
1.No. of ordinary shares (000)
N/A
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(79,925)
(229,951)
(53,271)
(1,013,494)
1,173
N/A
-2.41%
519.15%
118.03%
52.94%
11.72%
-2.38%
-191.19%
904.61%
111.94%
5.22%
-2.25%
-28.72%
-25.61%
-22.32%
4.91%
-448.86%
-18.79%
-16.60%
-11.00%
41.31%
237.82%
31.55%
30.25%
27.17%
26.79%
-0.22
-4.63
-3.76
-2.68
0.79
0.16%
4.74%
8.80%
9.20%
1.52%
0.64
0.47
0.56
0.46
15.08
0.06
0.94
1.10
1.29
0.06
93.61%
-5.53%
-21.70%
-42.15%
41.88%
9.10
-0.89
-3.18
-5.06
6.74
0.88
0.12
0.03
0.90
0.59
-0.36
-0.04
-0.01
-0.17
0.49
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
243
2012
(Thousand Rupees)
2011
2012
2008
2009
2010
14,727
15,757
15,711
16,897
1.Share capital
25,073
25,073
25,073
25,073
2.Reserves
752
752
752
3.Unappropriated profit/loss
(11,098)
(10,068)
(10,114)
(8,928)
4.Others
20,891
20,891
20,892
20,892
17,025
4,397
1,384
2,562
1.Current liabilities
17,025
4,397
1,384
2,405
Items
A.Total equity (A1 to A3)
752
2.Non-current liabilities
157
52,643
41,045
37,987
40,351
1.Current assets (a + b)
35,590
35,486
33,233
36,256
396
380
229
615
b.Others
35,194
35,106
33,004
35,641
17,053
5,559
4,754
4,095
2.Non-current assets (a + b)
a.Venture investment
7,033
5,539
4,734
4,075
b.Others
10,020
20
20
20
1.Revenue
(37,165)
5,354
2,663
4,796
13,998
3,191
1,536
1,285
3.Financial charges
172
57
(14,207)
1,759
1,126
3,454
(14,207)
1,030
889
1,981
E.Other items
1.No. of ordinary shares (000)
2,507
2,507
2,507
2,507
2.Cash dividend
0.00%
0.00%
15.00%
0.00%
0.00%
(19,148)
3,531
3,231
1,173
-96.47%
6.54%
5.66%
11.72%
-39.89%
2.81%
2.43%
5.22%
-26.99%
2.51%
2.34%
4.91%
19.24%
33.38%
41.31%
-37.66%
59.60%
57.68%
26.79%
-5.67
0.41
0.35
0.79
0.75%
0.93%
0.60%
1.52%
2.09
8.07
24.01
15.08
0.32
0.11
0.04
0.06
27.98%
38.39%
41.36%
41.88%
5.87
6.29
6.27
6.74
1.Cash generated from operating activities to profit after tax. (E4/D5) (times)
1.35
3.43
3.63
0.59
-1.12
0.80
2.33
0.49
38.23%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
244
Appendix
245
2012
2012
Appendix
Companies Covered in the Financial Statements Analysis
As on 31st December 2012
Total Companies (180)
Company
Page
#
Company
Banks (38)*
17
Page
#
53
18
Silkbank Limited
54
A.
19
55
31
20
56
32
21
57
33
22
58
34
C.
35
60
B.
61
37
62
38
63
39
D.
40
65
41
66
42
Deutsche Bank AG
67
43
68
44
69
45
70
10
46
11
47
12
JS Bank Ltd.
48
13
49
76
14
50
77
15
51
78
16
52
79
71
Development Finance
Institutions (7)*
246
2012
Company
Page
#
Company
Page
#
80
111
81
112
82
113
114
JS Growth Fund
115
87
116
88
117
89
118
90
10
119
91
11
120
92
12
121
93
13
122
94
14
123
95
15
124
10
96
100
128
101
129
102
B.F. Modaraba
130
103
131
104
132
105
133
106
134
135
136
10
137
110
247
2012
Company
Page
#
Company
Page
#
11
138
11
167
12
139
12
168
13
140
13
169
14
KASB Modarba
141
14
170
15
Modaraba Al-Mali
142
15
171
16
143
16
172
17
144
17
173
18
145
18
174
19
146
19
175
20
147
20
176
21
148
21
177
22
149
22
178
23
150
23
179
24
Trust Modarba
151
24
180
25
152
26
Unicap Modaraba
153
157
186
158
187
159
188
160
189
161
190
162
191
163
192
164
B.
165
Non-Life Insurance
Companies (39)
10
166
248
194
195
2012
Company
Page
#
Company
Page
#
196
28
221
197
29
222
198
30
223
199
31
224
200
32
225
201
33
202
34
227
10
203
35
11
204
36
229
12
Cyan Ltd.
205
37
230
13
206
38
231
14
207
39
232
15
208
16
209
C.
17
210
234
18
211
235
19
212
236
20
213
237
21
214
238
22
215
23
216
24
217
25
218
26
219
27
220
226
228
241
249
244
2012
Explanatory Notes:
In the analysis, consolidated financial statement of a company is used to cover full potential of
the parent company.
Data revisions in the preceding years are due to restated balance sheets by respective
institutions plus error & omissions, if any.
Respective closings of different sectors/companies are mentioned in the appendix.
Data of non-responding existing companies are repeated for 3 years before their removal from
analysis in the publication.
Sector-wise coverage is based on the available financial statements of companies.
Reclassification in sectors and renaming may happen during the year, which would be
reflected in the next years publication.
Repeated data of any company is replaced with the actual one upon receipt of its annual report
in that years publication.
The symbol - appearing in the analytical tables stands for Not applicable or Not available.
Write up of venture capital is not included for statistical insignificance this year.
250