Cost of Fund Peer Average

ABL 2.72% 2.78%

ASKARI 3.03% 2.78% Co
Bank Al Habib 2.86% 2.78%
4.00%
Bank Al Falah 2.75% 2.78% 3.50%
Faysal 2.96% 2.78% 3.00%
HBL 2.21% 2.78% 2.50%
2.00%
HMB 3.50% 2.78% 1.50%
Meezan 1.81% 2.78% 1.00%
0.50% 2.72% 3.03% 2.86% 2.75% 2.96%
NBP 2.95% 2.78% 0.00%
NIB 3.67% 2.78%
SCB 1.84% 2.78%
Soneri 3.54% 2.78%
UBL 2.32% 2.78%
Cost

HabibMetro
BAHL
Al-Falah
Faysal
UBL
NBP
ABL
SCB
HBL
Meezan
Soneri
NIB
 Cost of Fund

2.78%

% 2.86% 2.75% 2.96% 2.21% 3.50% 1.81% 2.95% 3.67% 1.84% 3.54% 2.32%

Cost of Fund Peer Average

 Cost of Fund Peer Average
HMB 3.50% 2.78%
BAHL 2.86% 2.78% Co
Al-Falah 2.75% 2.78%
4.00%
Faysal 2.96% 2.78%
3.50%
UBL 2.32% 2.78%
3.00%
NBP 2.95% 2.78%
ABL 2.72% 2.78% 2.50%

SCB 1.84% 2.78% 2.00%

HBL 2.21% 2.78% 1.50%
Meezan 1.81% 2.78% 1.00%
Soneri 3.54% 2.78% 0.50%
3.50% 2.86% 2.75% 2.96% 2.32%
NIB 3.67% 2.78% 0.00%
ASKARI 3.03% 2.78% HMB BAHL Al-Falah Faysal UBL

Cost

HabibMetro HMB 3.50% 2.78%

BAHL BAHL 2.86% 2.78%
Al-Falah Al-Falah 2.75% 2.78%
Faysal Faysal 2.96% 2.78%
UBL UBL 2.32% 2.78%
NBP NBP 2.95% 2.78%
ABL ABL 2.72% 2.78%
SCB SCB 1.84% 2.78%
HBL HBL 2.21% 2.78%
Meezan Meezan 1.81% 2.78%
Soneri Soneri 3.54% 2.78%
NIB NIB 3.67% 2.78%
ASKARI 3.03% 2.78%
 Cost of Fund

2.78%

% 2.75% 2.96% 2.32% 2.95% 2.72% 1.84% 2.21% 1.81% 3.54% 3.67% 3.03%
Al-Falah Faysal UBL NBP ABL SCB HBL Meezan Soneri NIB ASKARI

Cost of Fund Peer Average

s
 NIM Peer Average 0.00% 2.00% 4.0
ABL 7.79% 6.41%
12
ASKARI 5.21% 6.41%
Bank Al Habib 8.07% 6.41% 10 3.06%
Bank Al Falah 5.85% 6.41%
Faysal 4.88% 6.41% 8

HBL 8.75% 6.41%

6
HMB 5.74% 6.41%
Meezan 4.13% 6.41% 4
NBP 6.26% 6.41%
3.06% 6.41% 2
NIB
SCB 11.20% 6.41%
Soneri 4.64% 6.41%
UBL 7.75% 6.41%
 Net Interest Margin
2.00% 4.00% 6.00% 8.00% 10.00% 12.00%

6.41%
11.20%
3.06%

5.74%

NIM Peer Average

 12.00%

6.41%
11.20%
 NIM Peer Average
Net I
ABL 7.79% 6.41%
ASKARI 5.21% 6.41%
Bank Al Habib 8.07% 6.41%
Bank Al Falah 5.85% 6.41%
Faysal 4.88% 6.41%
HBL 8.75% 6.41%
HMB 5.74% 6.41%
Meezan 4.13% 6.41%
NBP 6.26% 6.41%
NIB 3.06% 6.41%
SCB 11.20% 6.41%
Soneri 4.64% 6.41%
UBL 7.75% 6.41%
Net Interest Margin
11.20%

5.74%
6.41%
3.06%

NIM Peer Average

6.41%
 PEER
ROA
Average Reutun on Assets
ABL 1.21% 0.92%
1.80%
Bank Al Habib 0.80% 0.92%
1.60%
Bank Al Falah 0.71% 0.92%
Faysal Bank 0.92% 0.92% 1.40%

HBL 1.12% 0.92% 1.20%

HMB 0.72% 0.92% 1.00%

Meezan Bank 0.73% 0.92% 0.80%
NIB 0.63% 0.92% 0.60%
SCB 1.60% 0.92% 0.40%
Soneri Bank 0.60% 0.92% 0.20%
UBL 1.42% 0.92% 0.00%
NPB 0.76% 0.92%
Askari 0.75% 0.92%

ROA PEER Average

PEER Chart Title
ROE
Average
ABL 17.25% 14.31%
Bank Al Habib 16.71% 14.31%
Bank Al Falah 13.97% 14.31%
Faysal Bank 13.72% 14.31%
HBL 15.82% 14.31%
HMB 11.24% 14.31%
Meezan Bank 15.76% 14.31%
NIB 9.12% 14.31%
SCB 13.38% 14.31%
0.00% 5.00% 10.00% 15.00% 20.00% 25.00%
Soneri Bank 9.98% 14.31%
UBL 19.36% 14.31% ROE PEER Average
NPB 11.61% 14.31%
Askari 18.17% 14.31%
n on Assets

PEER Average

20.00% 25.00%
 Sales with Target
Name Average Score
ABL 0.92% 1.21%
Bank Al Ha 0.92% 0.80%
Bank Al Fal 0.92% 0.71%
Faysal Ban 0.92% 0.92%
HBL 0.92% 1.12%
HMB 0.92% 0.72%
Meezan Ba 0.92% 0.73%
NIB 0.92% 0.63%
SCB 0.92% 1.60%
Soneri Ban 0.92% 0.60%
UBL 0.92% 1.42%
NPB 0.92% 0.76%
Askari 0.92% 0.75%
 ROA ROE NIM
ABL 1.21% 17.25% 7.79% 25.00%
Bank Al Habib 0.80% 16.71% 5.21%
20.00%
Bank Al Falah 0.71% 13.97% 8.07%
Faysal Bank 0.92% 13.72% 5.85% 15.00%
HBL 1.12% 15.82% 4.88%
HMB 0.72% 11.24% 8.75% 10.00%

Meezan Bank 0.73% 15.76% 5.74% 5.00%

NIB 0.63% 9.12% 4.13%
SCB 1.60% 13.38% 6.26% 0.00%
Soneri Bank 0.60% 9.98% 3.06%
UBL 1.42% 19.36% 11.20%
NPB 0.76% 11.61% 4.64%
Askari 0.75% 18.17% 7.75%
0.92% 14.31% 6.41% 1
ROA ROE
ROA ROE NIM
ABL 1.21% 17.25% 7.79%
Bank Al Habib 0.80% 16.71% 5.21%
Bank Al Falah 0.71% 13.97% 8.07%
Faysal Bank 0.92% 13.72% 5.85%
HBL 1.12% 15.82% 4.88%
HMB 0.72% 11.24% 8.75%
Meezan Bank 0.73% 15.76% 5.74%
NIB 0.63% 9.12% 4.13%
SCB 1.60% 13.38% 6.26%
Soneri Bank 0.60% 9.98% 3.06%
UBL 1.42% 19.36% 11.20%
NPB 0.76% 11.61% 4.64%
Askari 0.75% 18.17% 7.75%
 Profitability Measures
25.00%

20.00%

15.00%

10.00%

5.00%

0.00%

ROA ROE NIM

1 1
OA ROE NIM