2013

2012

2011

23,171
-12,526

21,837
-11,385

18,032
-8,666

10,645
-93
10,522
1,962
1,539
14,053
-8,406
5,647
-1,690
3,957

10,452
-451
10,001
1413
986
12400
-7170
5230
-1722
3508

9,366
-1,389
7,977
1,347
1,158
10,482
-6,126
4,356
-965
3,391

2013

2012

2011

ASSETS
Cash and balance with treasury banks
Balances with other banks
Due from financial institutions
Investments
Islamic financing and related assets
Operating fixed assets
Deferred tax assets
Other assets
Total assets

28583
3554
7443
151614
127623
5595
131
5182
329725

19125
3851
500
152460
88678
4898
546
4378
274437

16641
2348
4065
98489
70377
3985
801
3843
200550

Liabilities
Bills payable
Due to financial institution
Deposits and other accounts

3615
11375
289811

3059
18461
230426

2282
9236
170030

Profit and loss account

Return on financing, investment and placement
Return on deposit and other dues expense
Net spread earned
Provision
Net spread after provision
Fee, commission, forex and other income
Dividend income and capital gain
Income before operating expense
Administrative and operating expense
Profit before taxation
Taxation
Profit after taxation

Statement of financial position

Deferred tax liabilities

Other liabilities
total liabilities
Net assets
Represented by:
Share capital
Reserves
Unappropriated profit
Surplus/deficit on revalutation of assets

0
6011
310812
18913

0
5928
257874
16563

0
5220
186768
13781

10027
3551
4330
1005
18913

9034
2760
3700
1069
16563

8030
2058
3235
458
13781

2010

2009

12,290
-6,606

10,102
-4,970

5,684
-1,497
4,187
2,056
419
6,662
-4,536
2,126
-477
1,649

5,132
-1,532
3,600
1,332
266
5,198
-3,458
1,740
-715
1,025

2010

2009

12781
9940
10512
54967
60264
3066
342
2880
154752

8387
5260
34487
23290
46985
2416
204
3139
124168

1767
5829
131070

1249
8468
100333

0
5006
143672
11080

0
4934
114984
9184

6983
1380
2377
340
11080

6650
1050
1390
94
9184

Earning assets

318817

264614

Total assets

329725

274437

Interest earaned
Total equity
Total debt
Total deposits
Total loans
Net income(profit after tax)
Total revenue
EBIT(Profit before tax)
EPS

23,171
17,908
310812

21,837
15,494
257874

289811
127623

230426
88678

3,957
3508
23,171
21,837
5,647
5230
Annual report 2013-2pdf -adob reader

2013

2012

2011

96.69178861
2nd Ratio=Interest earned/earning assets*100
7.267805669

96.42067214

95.69683371

8.252397832

9.395581492

5.431192661

5.645740188

6.643231114

94.26400789
5th Ratio=Total deposit/Total equity*100
1618.332589
6th Ratio=Total loan/total deposit*100
44.03663077
7th Ratio=Net income/total revenue*100
17.07738121
8th Ratio=EBIT/total revenue*100
24.37098097
9th Ratio=Net income/No of shares
3.95

93.96473508

93.12789828

1487.195043

1276.214066

38.48437242

41.39093101

16.06447772

18.80545697

23.95017631

24.15705413

3.5

3.75

RATIOS

1st Ratio=Earning assets/total assets*100

3rd Ratio=Total equity/total assets*100

4th Rtio=Total debt/total assets*100

10th Ratio:ROA=Net income/total assets*100

1.200090985
11th Ratio:ROE=Net income/total equity*100
22.09626982

1.278253297

1.690850162

22.64102233

25.45222547

191920

148464

118409

200550

154752

124168

18,032
13,323
186768

12,290
10,740
143672

10,102
9,090
114984

170030
70377

131070
60264

100333
46985

3,391
18,032
4,356

1,649
12,290
2,126

1,025
10,102
1,740

2010

2009

95.93672457

95.361929

8.278101088

8.531446089

6.940136476

7.320726757

92.84015715

92.60356936

1220.391061

1103.773377

45.97848478

46.82905923

13.41741253

10.14650564

17.29861676

17.22431202

2.05

1.62

pdf -adob reader

1.065575889

0.825494491

15.3538175

11.27612761