The graph shows a positive impact of habib metro and

The graph shows a positive impact of Habib metro and Askari since their
expenses were lower which shows the efficiency of the employees for the year
2019 where they had to face the legal crisis of UBL had an increase in expense
but which shows crisis come and go but the industry isn’t affected with it.
17

HABIB METRO ASKARI UBL
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.0
0.9
0.8
Administrative Expenses to profit before tax
RETURN ON CAPITAL EMPLOYED
Return on capital employed ( ROCE ) is a financial ratio that measures a company's
profitability and the efficiency with which its capital is used. In other words,
the ratio measures how well a company is generating profits from its capital.
Return on capital employed ( ROCE ) is a good baseline measure of a company's
performance. It is especially useful when comparing certain types of businesses.
It is best employed in conjunction with other performance measures rather than
looked at in isolation.
Over here the graph shows that there has been a significant increase of Askari
and UBL in 2019 however there has been a decline of Habib metro due to the
legal actions being taken against Habib metro at Time Exchange,
HABIB METRO ASKARI UBL
0.0
5.0
10.0
15.0
20.0
25.0
30.0
35.0
40.0
27.9
30.7
35.1
Return on Capital Employed
18

RETURN ON REVENUE
The Return on Revenue (ROR) is a measure of profitability that compares net
income of a company to its revenue . It is calculated by dividing net income by
revenue . A business can increase ROR by increasing profit with a change in sales
mix or by cutting expenses.
The graph shows that there was an increase ROR of Askari and UBL in 2019 which
shows that the bank was very stable. Although there was a sudden decline of
habib metro due to the market impact that it had faced on this year.
HABIB METRO ASKARI UBL
0.0
5.0
10.0
15.0
20.0
25.0
30.0
19.2
23.1
24.3
Return on Revenue
19

CAPITAL/LEVERAGE RATIO
Capital Structure Ratios reveal:
1) the extent to which the firm is financed with debt and
2) its likelihood of defaulting on its debt obligations. These ratios include:
CAPITAL/LEVERAGE RATIO: HABIB METRO ASKARI UBL
Capital Ratio 7.5 7.7 7.0
Deposit to Equity ratio 11.0 10.6 10.4
INTERCOMPANY ANALYSIS
CAPITAL RATIO
Capital Ratio also known as Capital Adequacy Ratio (CAR) is also known
as Capital to Risk (Weighted) Assets Ratio (CRAR) is the ratio of a bank's capital to
its risk. It is a measure of a bank’s capital . It is expressed as a percentage of a
bank's risk weighted credit exposures. The capital ratio is the percentage of
a bank's capital to its risk-weighted assets. Weights are defined by risk-
sensitivity ratios whose calculation is dictated under the relevant Accord.
The following graph shows the consistent stability of the all banks from in 2019 it
was 7.5%, 7.7 and 7.2 with an decrease.
HABIB METRO ASKARI UBL
6.6
6.8
7.0
7.2
7.4
7.6
7.8
8.0
7.5
7.7
7.0
Capital Ratio
20

DEPOSIT TO EQUITY RATIO
The following graph represents total deposits to equity ratio. It shows that the all
banks are progressing very well and the deposits of the bank has been increasing
in this year 2019.