172 257 286 394 357 66 71 64 investments investment

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                  17.2             25.7             28.6           39.4          35.7 Revenues                       4.7              5.5               6.6              7.1            6.4
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Investments: Investment from year 2004 to 2007 showing increase trend and in 2008 investment decreas e. Because of 28 billions advances increases from 07 to 08. While growing trend from 04 to 07 is healthy singe for organization. Deposits: Current, Savings and Other Deposits Deposits increased by 17 percent to Rs. 167.68 billion as at December 31, 2008 as against Rs. 143.04 billion last year. Analysis of deposits show a healthy growth of 52 percent in current a ccounts over last Year and 32 percent in fixed deposits, while saving deposits remained almost u nchanged. The aggregate number of deposit accounts. Reached 611,323 at end 2008. By the end of 2008, deposits reached Rs. 167.68 billion from Rs. 143.04 billion at end 2007, an increase of 17 percent during the year. The increase in local cu rrency deposits was 15 percent to Rs. 141.89 billion as of December 31, 2008 from Rs. 123.51 bi llion as of December 31, 2007, while the foreign currency deposits surged to Rs. 25.79 billion, in creased by 32 percent over last year. Advances: Advances are also showing increasing trend by 2004 to 2008 adding up 16 billions by 2005, 13 billions by 2006, 11.2 billions by 2007 and 24.7 billions by 2008. It is show the business gro wth of the bank. Revenues: Mark up / Interest on advances and return on investments are recognized on accrual basis t he pattern of growth revenues from year 2004 to 2007 is showing good pictures. While in year 2 008 revenue decrease as compared to last four year having reason of banking sector turmoil and f ee commission & earning from in dealing foreign currencies decreases. Mark-up inco me on investments, however, recorded an increase of 25 percent over last year the aggregate incr ease of 21 percent in total mark up income reduced marginally to 20 percent in terms of net inter est income, as the aggregate increases in mark-up income and cost of deposits and borrowings w ere almost in reciprocit. Goals: pg. 13
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To enhance profitability. Maximization of NBP share through increasing leverage of existing customer base. Introducing diversified range of products. Further market penetration for greater financial inclusion. Improving alternative delivery channels and customer services. Image building through face lift of branches. Reduction in NPLs through recoveries and rehabilitation of infected portfolio. Lending growth and improving asset quality. Partnering for economic development in the country. pg. 14
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pg. 15
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Products and Services: a) Products: i. Personal Finance: Personal Finance is a parameter driven product for catering to the needs of the general public bel onging to different segments. One can avail unlimited opportunities through Askari Bank's Perso nal Finance. With unmatched finance features in terms of loan amount, payback period and most
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