June.xlsx - CONTENTS Data Conventions 1 Statistics of the...

This preview shows page 1 - 6 out of 26 pages.

CONTENTS 1. Statistics of the Banking System Asset Quality: 2. Islamic Banking 3. Development Finance institutions (DFIs) For Queries & Comments: Muhammad Javaid Ismail Muhammad Inaam Ashraf Sadiq Ansari Data Conventions 1.1: Key variables of Balance Sheet and Profit & Loss Statement 1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs) 1.3: Group wise Balance Sheets and Income Statements of Banks 1.4: Financial Soundness Indicators* 1.5: Banks’ category-wise key variables 1.6: Concentration in the Banking System 1.7: Asset Quality Indicators of the Banking System 1.8: Segment-wise Advances and Non Performing Loans (NPLs)* 1.9: Sector-wise Advances and Non Performing Loans (NPLs)* Soundness & Resilience: 1.10: Category-wise Profitability of the Banking System 1.11: Category-wise Profitability Indicators of the Banking System 1.12: Break-up of Mark-up/Return/Interest Earned 1.13: Distribution of Banks by Capital Adequacy Ratio (CAR) 1.14: Capital Structure and Capital Adequacy of All Banks and DFIS 1.15: Stress Testing Results of the Banking System 1.16: List of Banks 2.1: Group-wise Balance Sheets and Income Statements of Islamic Banks/Branches 2.2: Financial Soundness Indicators of Islamic Banking* 2.3: List of Islamic Banks 3.1: Balance Sheets and Income Statements of DFIs 3.2: Financial Soundness Indicators of DFIs 3.3: List of Development Finance Institutions [email protected] [email protected] [email protected]
Image of page 1
1 - 2 -
Image of page 2
Data Conventions Figures for the calender years (CY) are based on annual audited accounts for that year. Figures for quarters (Mar, Jun, Sep, Dec) are based on unaudited Quarterly Report of Condition (QRC) submitted by banks. Back to Table of Contents
Image of page 3
Table 1.1: Banking System: Key variables of Balance Sheet and Profit & Loss Statement PKR billion Column1 CY07 CY08 CY09 CY10 CY11 Jun-12 Dec-12 Mar-13 Jun-13 Total Assets 5,172 5,628 6,516 7,117 8,171 8,653 9,761 9,735 10,090 Investments (net) 1,276 1,087 1,737 2,157 3,055 3,275 4,009 4,160 4,253 Advances (net) 2,688 3,173 3,240 3,358 3,349 3,573 3,760 3,731 3,727 Deposits 3,854 4,218 4,786 5,451 6,244 6,803 7,301 7,236 7,756 Equity 544 563 660 695 784 808 882 864 901 Profit Before Tax (ytd) 107 63 81 105 170 99 187 42 82 Profit After Tax (ytd) 73 43 54 65 112 64 121 28 55 Provisioning Charges (ytd) 60 106 97 75 50 11 32 5 18 Non-Performing Loans 218 359 446 556 592 635 607 613 616 Non-Performing Loans (net) 30 109 134 185 182 214 171 172 165 Note: Statistics of profits are on year-to-date (ytd) basis. Back to Table of Contents
Image of page 4
Percent CY07 CY08 CY09 CY10 CY11 Jun-12 Dec-12 Mar-13 Jun-13 Growth Rates YoY YoY YoY YoY YoY QoQ YoY QoQ YoY QoQ YoY QoQ YoY Assets 18.8 8.8 15.8 9.2 14.8 3.2 12.2 7.2 18.9 (0.3) 16.1 3.7 16.6 Loans (Net) 10.7 18.0 2.1 3.7 (0.3) 4.2 5.6 6.0 12.6 (0.8) 8.8 (0.1) 4.3 Deposits 18.4 9.4 13.5 13.9 14.5 7.7 14.0 8.3 17.0 (0.9) 14.6 7.2 14.0 Investments (Net) 53.1 (14.8) 59.9 24.2 41.6 2.7 25.0 6.4 31.3 3.8 30.5 2.2 29.8 Equity 35.3 3.4 17.3 5.2 12.9 2.6 11.8 3.1 12.5 (2.0) 9.7 4.3 11.5 KEY FSIs: CY07 CY08 CY09 CY10 CY11 Jun-12 Dec-12 Mar-13 Jun-13 Capital Adequacy Ratio 12.3 12.2 14.0 13.9 15.1 15.1 15.4 15.1 15.5 Capital to Total Assets 10.5 10.0 10.1 9.8 9.6 9.3 9.0 8.9 8.9 NPLs to Loans (Gross) 7.6 10.5 12.6 14.9 15.7 15.9 14.5 14.7 14.8 Net NPLs to Net Loans 1.1 3.4 4.1 5.5 5.4 6.0 4.6 4.6 4.4 ROA (Before Tax) 2.2 1.2 1.3 1.5 2.2 2.4 2.1 1.8 1.7 ROE^ (Before Tax) 22.6 11.4 13.2 15.5 23.0 25.9 22.9 20.3 18.5 Liquid Assets/ Total Deposits 45.1 37.7 44.5 47.1 59.5 54.3 63.3 63.8 63.7 Advances to Deposit Ratio 69.7 75.2 67.7 61.6 53.6 52.5 51.5 51.6 48.1 ^ Based on Average Equity plus Surplus on Revaluation.
Image of page 5
Image of page 6

You've reached the end of your free preview.

Want to read all 26 pages?

  • Fall '19

What students are saying

  • Left Quote Icon

    As a current student on this bumpy collegiate pathway, I stumbled upon Course Hero, where I can find study resources for nearly all my courses, get online help from tutors 24/7, and even share my old projects, papers, and lecture notes with other students.

    Student Picture

    Kiran Temple University Fox School of Business ‘17, Course Hero Intern

  • Left Quote Icon

    I cannot even describe how much Course Hero helped me this summer. It’s truly become something I can always rely on and help me. In the end, I was not only able to survive summer classes, but I was able to thrive thanks to Course Hero.

    Student Picture

    Dana University of Pennsylvania ‘17, Course Hero Intern

  • Left Quote Icon

    The ability to access any university’s resources through Course Hero proved invaluable in my case. I was behind on Tulane coursework and actually used UCLA’s materials to help me move forward and get everything together on time.

    Student Picture

    Jill Tulane University ‘16, Course Hero Intern

Stuck? We have tutors online 24/7 who can help you get unstuck.
A+ icon
Ask Expert Tutors You can ask You can ask You can ask (will expire )
Answers in as fast as 15 minutes
A+ icon
Ask Expert Tutors