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ANALYSIS
Safi ullah khan
Syed Usama Hamid
MID LEVEL BANK BAHL & BAF
MID LEVEL BANK BAHL & BAF
Founded in 1991 by Dawood Habib Family, the bank last year Incorporated in 1997, Bank al Falah is owned by Abu Dhabi
completed milestone of achieving 25 years of excellence in group. The bank took over operations of BCCI to enter into
banking. The bank is famous for its trade finance and steady Pakistani market. The bank is famous for innovative products and
pace. consumer finance. The bank is market leader in card business.
Bank AL Habib Bank AL Falah
Ratios
2016 2015 2016 2015
Specialized Banking Ratio
Capital Adequency Ratio 14.18 13.75 13.18 13.27
The Capital Adequacy Ratio (CAR) assesses the capital requirement based on the risks faced by the banks/ DFIs
Cost to income ratio 59.81 50.97 53.97 55.83 48.74 62.26 60.28 67.32 68.77 60.01
This ratio reveals that company's operating expenses.
ROA 1.17 1.22 1.22 1.13 1.3 0.89 0.95 0.85 0.83 0.92
This ratio reveals that company's efficient management is at using its assets to generate profit.
ROE 24.0 25.0 25.0 23.3 28.1 17.4 19.1 18.9 18.0 19.5
This ratio reveals that company's profitability by measuring how much profit the company generates with the money invested by common stock owners.
EPS 7.31 6.66 5.71 4.64 4.91 4.96 4.73 4.09 3.41 3.38
This ratio show that company earned profit through per share is increasing year by year.
DPS 35 35 30 20 30 - 10 20 20 20
Dividend payout per share
Cash Flow
Operating Cash Flow 64,252 33,435 98,101 (7,716) 36980 (29,355) 103,243 51,772 44,162 46,195
Financing Cash Flow (2,829) (3,952) (4,816) (2,987) (3,064) 27,665 (72,611) (87,293) (30,172) (31,306)
Investing Cash Flow (50,860) (25,605) (90,267) 8,357 (26,360) (3,166) (3,127) 3,925 (2,368) 115