APPENDIX – C

Core Capital

Year HBL 𝑥 − 𝑥̅ (𝑥 − 𝑥̅ )2
2012/13 4972 -2518.8 6344353.44
2013/14 5754 -1736.8 3016474.24
2014/15 6841 -649.8 422240.04
2015/16 8537 1046.2 1094534.44
2016/17 11350 3859.2 14893424.64
37454 25771026.8
Mean 7490.8
S.D 2270.28
C.V 30.3

∑𝑥 37454
𝑥̅ = = = 7490.8
𝑛 5

∑(𝑥−𝑥̅ )2 25771026.8
S.D=√ =√ =2270.28
𝑛 5

𝑆.𝐷 2270.28
C.V = * 100 = * 100 = 30.30 same as calculation methods
𝑥̅ 7490.8
are used.
APPENDIX –D
Supplementary Capital

Year HBL 𝑥 − 𝑥̅ (𝑥 − 𝑥̅ )2
2012/13 1442 125.2 15675.04
2013/14 1401 84.2 7089.64
2014/15 1200 -116.8 13642.24
2015/16 1278 -38.8 1505.44
2016/17 1263 -53.8 2894.44
6584 40806.8
Mean 1316.8
S.D 90.34
C.V 6.86

∑𝑥 6584
̅̅̅=
𝑥 = = 1316.8
𝑛 5

∑(𝑥−𝑥̅ )2 40806.8
S.D=√ =√ =90.34
𝑛 5

1
 𝑆.𝐷 90.34
C.V = * 100 = * 100 = 6.86 same as calculation methods are
𝑥̅ 1316.8
used.

APPENDIX – E
Total Capital Fund

Year HBL 𝑥 − 𝑥̅ (𝑥 − 𝑥̅ )2
2012/13 6414 -2393.6 5729320.96
2013/14 7155 -1652.6 2731086.76
2014/15 8041 -766.6 587675.56
2015/16 9815 1007.4 1014854.76
2016/17 12613 3805.4 14481069.16
44038
Mean 8807.6
S.D 2360.62
C.V 37.16

∑𝑥 44038
̅̅̅=
𝑥 = = 8807.6
𝑛 5

∑(𝑥−𝑥̅ )2 14481069.16
S.D=√ =√ =2360.62
𝑛 5

𝑆.𝐷 2360.62
C.V = * 100 = * 100 = 37.16 same as calculation methods
𝑥̅ 8807.6
are used.

APPENDIX – F
2
 Risk – Weighted Assets of HBL, EBL and SBI

Fiscal Year HBL SBI EBL

2012/13 55520649 38686812 49834045

2013/14 63729135 43064713 56780162

2014/15 72183721 48907430 63451114

2015/16 90507189 58821049 79711762

2016/17 103796763 72298873 88929577

Total Capital Fund of HBL, EBL and SBI

Fiscal Year HBL EBL SBI

2012/13 6414437 5777682 4888638
2013/14 7155579 6422257 5892028
2014/15 8041967 8457023 7063688
2015/16 9815198 10094804 8169663
2016/17 12613817 13063702 11692078

We have
Total Capital Fund
Ratio of Total Capital Fund as = * 100
TRWA

6414437
= * 100 = 11.55
55520649

Same as Calculation of Core Capital Fund

Ratio of Core Capital Fund as

Core Capital Fund
= * 100
TRWA

= 8.96

3
 APPENDIX-G

Calculation of Capital to Deposit Ratio

HBL EBL SBI

Fiscal
Year Capital
Capital fund Deposit Capital Fund Deposit Deposit
Fund

2012/13 53072 5777.682 57720 4888.638 58920

6,414.437
2013/14 64674 6422.257 62108 5892.028 54492
7,155.579
2014/15 73538 8457.023 83093 7063.688 51628
8,041.967
2015/16 87335 10094.804 93735 8169.663 65213
9,815.198
2016/17 92881 13063.702 95094 11692.08 81664
12,613.817

We have
Capital Fund
Capital to Deposit Ratio = Deposit
* 100
6414.437
Capital to Deposit ratio of HBL at 2012/13 = * 100 = 12.08 %
53072
and same as others fiscal year

APPENDIX-H

Calculation of Credit to Deposit Ratio

Fiscal HBL EBL SBI

Year Credit Deposit Credit Deposit Credit Deposit
2012/13 39648.7 53072 44197 57720 28788 58920
2013/14 44399.9 64674 48450 62108 35279 54492
2014/15 53124.4 73538 55363 83093 39979 51628
2015/16 66868.6 87335 68828.4 93735 46940.3 65213
2016/17 75397.4 92881 78165.3 95094 62132.7 81664

We have
Credit
Credit to Deposit Ratio = Deposit
* 100
39648.7
Credit to Deposit ratio of HBL at 2012/13 = 53072
* 100 = 74.70 %

4
 APPENDIX-I

Calculation of Correlation Coefficient

Fiscal HBL EBL SBI

Year Capital Credit Capital Credit Capital Credit
2012/13 6,414.44 39649 5777.682 44197 4888.638 28788
2013/14 7,155.58 44400 6422.257 48450 5892.028 35279
2014/15 8,041.97 53124 8457.023 55363 7063.688 39979
2015/16 9,815.20 66869 10094.8 68828.4 8169.663 46940.3
2016/17 12,613.82 75397 13063.7 78165.3 11692.08 62132.7
Sum 44,041.00 279439 43815.468 295003.7 37706.097 213119

Calculation of Correlation Co-efficient of Credit on Capital of HBL

Let the variables Capital be X and Credit be Y

HBL
x= (X-X y= (Y-Y
xy x2 y2
) )
-2393.763 -16239.1 38872556.7 5730101.3 263708369
-1652.621 -11487.9 18985144.8 2731156.2 131971846
-766.233 -2763.4 2117408.27 587113.01 7636379.6
1006.998 10980.8 11057643.6 1014045 120577969
3805.617 19509.6 74246065.4 14482721 380624492
145278819 24545136 904519056

We have
∑𝑥 44041
X= = = 8808.2
n 5
∑𝑦 279439
Y= = = 55887.8
n 5

Now ,
∑ 𝑥𝑦 165513008
r= = = 0.975
√∑ 𝑥 2 √∑ 𝑦2 149001797.609

Calculation of Correlation Co –efficient of Credit on Capital of HBL

5
 Let the Variables Capital be X and Credit be Y

x= (X-X y= (Y-
X Y xy x2 y2
) Y )
4888.638 28788 -2652.582 -13835.8 36700594 7036191.27 191,429,361.64
5892.028 35279 -1649.192 -7344.8 12112985.4 2719834.25 53,946,087.04
7063.688 39979 -477.532 -2644.8 1262976.63 228036.811 6,994,967.04
8169.663 46940.3 628.443 4316.5 2712674.21 394940.604 18,632,172.25
11692.08 62132.7 4150.86 19508.9 80978712.7 17229638.7 380,597,179.21
43815.468 295003.7 133767943 27608641.7 651,599,767.18

X= Σx 37706.097 = 7541.219
N 5

Y= Σy213119 = 42623.8
N 5

Now,

r =Σxy
√Σx2. √Σy2 =
133767943
134125985.177

= 0.997

Fiscal HBL EBL SBI

6
 Year Capital
Capital fund Deposit Capital Fund Deposit Deposit
Fund

2012/13 53072 5777.682 57720 4888.638 58920

6,414.437
2013/14 64674 6422.257 62108 5892.028 54492
7,155.579
2014/15 73538 8457.023 83093 7063.688 51628
8,041.967
2015/16 87335 10094.804 93735 8169.663 65213
9,815.198
2016/17 92881 13063.702 95094 11692.08 81664
12,613.817

Calculation of Correlation Co-efficient of Deposit on Capital of HBL

Let the variables Capital be X and Deposit be Y

x= (X-X y=
X Y xy x2 y2
) (Y-Y )
6,414.44 53072 -2,393.76 -21228 50814801 5730101.3 450,627,984.0
7,155.58 64674 -1,652.62 -9626 15908129.7 2731156.2 92,659,876.0
8,041.97 73538 -766.23 -762 583869.546 587113.01 580,644.0
9,815.20 87335 1,007.00 13035 13126218.9 1014045 169,911,225.0
12,613.82 92881 3,805.62 18581 70712169.5 14482721 345,253,561.0
44,041.00 371500 151145189 24545136 1,059,033,290.0

X= Σx 44,041.00 = 8808.20
N 5

Y= Σy371500 = 74300
N 5

Now,

r =Σxy
√Σx2. √Σy2 =
151145189
161226879.622

= 0.937

Calculation of Correlation Co-efficient of Deposit on Capital of EBL

Let the variables Capital be X and Deposit be Y

X Y x= (X-X y= xy x2 y2

7
 ) (Y-Y )
5777.682 57720 -2,985.41 -20630 61589049.6 8912684.8 425,596,900.0
6422.257 62108 -2,340.84 -16242 38019874.6 5479517.9 263,802,564.0
8457.023 83093 -306.07 4743 -1451694.75 93679.457 22,496,049.0
10094.8 93735 1,331.71 15385 20488358.4 1773451.5 236,698,225.0
13063.7 95094 4,300.61 16744 72009380.4 18495229 280,361,536.0
43,815.47 391750 190654968 34754563 1,228,955,274.0

X= Σx 43,815.47 = 8763.094
N 5

Y= Σy391750 = 78350
N 5

Now,

r =Σxy
√Σx2. √Σy2 =
190654968
206668336.847

= 0.922

Calculation of Correlation Co-efficient of Deposit on Capital of SBI

Let the variables Capital be X and Deposit be Y

8
 x= (X-X y= (Y-
X Y xy x2 y2
) Y )
4888.638 58920 -2,652.58 -3463.4 9186952.499 7036191.27 11,995,139.6
5892.028 54492 -1,649.19 -7891.4 13014433.75 2719834.25 62,274,194.0
7063.688 51628 -477.53 -10755.4 5136047.673 228036.811 115,678,629.2
8169.663 65213 628.44 2829.6 1778242.313 394940.604 8,006,636.2
11692.08 81664 4,150.86 19280.6 80031071.32 17229638.7 371,741,536.4
37,706.10 311917 109146747.5 27608641.7 569,696,135.2

X= Σx 37,706.10 = 7541.22
N 5

Y= Σy311917 = 62383.4
N 5

Now,

r =Σxy
√Σx2. √Σy2 =
109146747.5
125413446.608

= 0.870

9
 APPENDIX-J
Capital Fund

Perce Perce Perce

Fisc Amount ntage Amount ntage Amount ntage
HBL EBL SBI
al Year Increased Incre Increased Incre Increased Incre
ment ment ment

2012/13 6414.437 ---- ---- 5777.682 ------ ----- 4888.638 ----- ----

2013/14 7155.579 741.142 11.55 6422.257 644.575 11.16 5892.028 1003.390 20.52

2014/15 8041.967 886.388 12.39 8457.023 2034.766 31.68 7063.688 1171.660 19.88

2015/16 9815.198 177.3231 22.05 10094.804 1637.781 19.36 8169.663 1105.975 15.65

2016/17 12613.817 279.8619 28.51 13063.702 2968.898 29.41 11692.078 3522.415 43.11

Calculation,
For Example calculation of HBL FY 2012/13 increment
Increased amount of Capital Fund = Capital Fund (2013/14)-Capital Fund of (2012/13)
= 7155.579 - 6414.437
Amount Increased = 741.142 then after
Percentage of Increased amount = 741.142 *100% = 11.55% same as others
6414.437

APPENDIX-K

Share Capital

10
 Percent Percen
Amount Percentag
Fiscal Amount age tage Amount
HBL EBL Increase SBI e
Year Increased Increm Increm Increased
d Increment
ent ent

2012/13 2898000 ……. ……… 1921239 ……… ……… 2650206 ……… ………

2013/14 3332700 434700 15 2137387 216148 11.25 3049083 398877 15.05

2014/15 4499145 1166445 35 2742604 605217 28.31 3883735 834652 27.37

2015/16 5848888 1349743 29.99 4606426 1863822 67.95 4973079 1089344 28.04

2016/17 8114529 2265641 38.73 7732723 3126297 67.87 8000000 3026921 60.86

Calculation,
For Example calculation of HBL FY 2012/2013‘s increment
Increased amount of Share Capital = Share Capital (2013/14) - Share Capital (2012/13)
= 3332700 -2898000
Amount Increased = 434700 then after
Percentage of Increased amount of Share Capital=434700*100% =15 % same as others
2898000

APPENDIX-L
Deposit Trend
Fiscal National Share Share
HBL EBL SBI Share of HBL
Year Total of EBL of SBI
2012/13 53072 57720 58920 1020830 5.19 5.65 5.77
2013/14 64674 62108 54492 1204463 5.36 5.15 4.52
2014/15 73538 83093 51628 1462896 5.03 5.68 3.52
2015/16 87335 93735 65213 1764592 4.95 5.31 3.69
2016/17 92881 95094 81664 2093255 4.4 4.81 4.13

Calculation of Deposit% of HBL on (2012/13) = Deposit on 2012/13 *100%

National total deposit on 2012/13

= 53072*100%
1020830

= 5.19 same as calculation methods are used.

APPENDIX-M

11
Credit Trend

Fiscal National % % %
Year HBL EBL SBI Total HBL EBL SBI
2012/13
39648.7 44197 28788 748753.7 5.3 5.9 3.84
2013/14
44399.9 48450 35279 891629.9 4.98 5.43 3.95
2014/15
53124.4 55363 39979 1087486.7 4.88 5.09 3.67
2015/16
66868.6 68828.4 46940.3 1380358.6 4.84 4.98 3.4
2016/17
75397.4 78165.3 62132.7 1718131.8 4.38 4.55 3.61

Calculation

Credit % of EBL on (2012/13)= Credit on 2012/13 *100%

National total deposit on 2012/13

= 44197*100%
748753.7

= 5.9 same as calculation methods are used.

12