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Please Note
Certain prior period financial numbers have been restated to conform to current period results presentation
All numbers are presented on the basis of unconsolidated financial results basis, unless stated otherwise
The figures are presented in millions, rounded, and as percentages, unless otherwise stated in 000s, billions and bps.
Statement of Financial Position
Rs. in Mlns
Standalone Consolidated
9M 11 YE 10 % 9M 11 Mix YE 10 Mix %
Cash & Balances with T.Banks 44,375 6% 45,407 8% -2% 44,375 6% 45,407 8% -2%
Balances with other Banks 938 0.1% 1,479 0.3% -37% 1,006 0.1% 1,552 0.3% -35%
Lendings to Financial Institutions 35,690 5% 4,402 1% 711% 35,690 5% 4,402 1% 711%
Investments 309,398 45% 213,061 38% 45% 312,189 45% 215,748 38% 45%
Advances - Net 241,562 35% 254,552 45% -5% 241,560 35% 254,565 45% -5%
Operating Fixed Assets 21,176 3% 20,948 4% 1% 21,652 3% 21,062 4% 3%
Other Assets 32,385 5% 27,706 5% 17% 32,547 5% 27,746 5% 17%
Total Assets 685,524 567,553 21% 689,019 570,482 21%
9M 11 YE 10 +/- % 9M 10 Var. %
1,041
TotalNPLs
Total NPLs 1,000
656
QoQ 528
1,041 528 350 656 (246) 822 73 600
QoQ%variance 4% 2% 1% 3% 1% 4% 350
400
OAEM
31 30 38 57 74 69 71 200
QoQ
1 (8) (19) (17) 5 (2) (6) Q3 '11 Q2 '11 Q1 '11 Q410 Q310 Q210 Q110
QoQ%variance 2% 20% 33% 23% 7% 3%
(200)
(246)
Substandard (400)
QoQ
1,333 (804) (183) (444) (271) 479 (1,210)
Category wise concentration of NPLs
QoQ%variance 241% 59% 12% 22% 12% 27%
Doubtful
709 911 1,264 2,142 3,176 3,679 4,447
Sep11 Con. Dec10 Con. +/
YTD change 67% 57% 41% 50% 25% 13% 5% OAEM 31 0.1% 57 0.2% (26)
QoQ Substandard
S bt d d
(202) (353) (879) (1,033) (503) (768) 204
1,886 7.1% 1,540 6.3% 346
QoQ%variance 22% 28% 41% 33% 14% 17%
9M 11 YE 10 +/- %
Q3 11 1H 11 Q1 11 Q4 10 Q3 10
Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix
Current deposits 169,167 35% 181,364 37% 163,911 35% 151,155 35% 150,507 36%
Savings deposits 222,431 46% 224,266 45% 217,367 47% 200,143 46% 193,643 46%
Term Deposits 91,340 19% 90,575 18% 81,023 18% 80,074 19% 78,122 19%
CASA
2011 - 2010 391,598 81% 405,631 82% 381,278 82% 351,298 81% 344,150 81%
Variance YoY QoQ YoY QoQ YoY QoQ YoY QoQ YoY QoQ
Share
h 8.80% 8.74% 8.96% 8.29% 8.92%
Profit and Loss Summary
Rs. in Mlns
Standalone Consolidated
9M 11 9M 10 +/- % 9M 11 9M 10 +/- %
against loans & advances 2,516 1,910 32% 2,516 1,910 32%
9M 11 9M 10 +/- %
9M 11 9M 10 +/- %
Personnel expenses
Total Admin expenses without reversal of pension Fund 12,955 11,469 1,486 13%
Key Financial Ratios
ADR (gross)
54.58% 56.79% 60.49% 63.55% 58.47% 62.82% 66.29% 73.37%
Infection ratio
10.04% 9.02% 8.90% 8.95% 9.68% 9.16% 8.98% 8.62%
B/V** ROE*
92.68 89.71 29.3%
100
86.02 82.73
0
28.2% 28.5%
80.22 77.43 75.10
90
73.04 27.3%
80 0
26.7%
25.9% 26.0%
70
60 0
25.2%
50
0
40
30
0
20
10
0
0
Sep 2011 June 2011 Mar 2011 Dec 2010 Sep 2010 June 2010 March 2010 Dec 2009 Sep 2011 June 2011 Mar 2011 Dec 2010 Sep 2010 June 2010 March 2010 Dec 2009
EPS**
ROA*
27.21
3.5%
30
25.28 24.03
0
3.4% 25
3.3%
0
3.1% 3.2% 15
3 1%
3.1%
0
10
0 5
Sep 2011 June 2011 Mar 2011 Dec 2010 Sep 2010 June 2010 March 2010 Dec 2009
Sep 2011 June 2011 Mar 2011 Dec 2010 Sep 2010 June 2010 March 2010 Dec 2009
*Annualised
** Based on number of shares as at September 30, 2011
Major Awards and Recognitions
2006 2005
Strongest Bank in Country
Best Bank Led Mobile Money Transfer
Program EuroMoney Best Bank In EuroMoney Best Bank In Pakistan
Pakistan AsiaMoney Best Domestic Bank In
AsiaMoney Best Domestic Pakistan
Bank In Pakistan