APPENDIX – F

Risk – Weighted Assets of HBL , EBL and SBI

Fiscal
HBL EBL SBI
Year
Risk- weighted Assets of HBL, EBL and SBI
2012/13 49526322 44793263 36300667
2013/14 55329593 50599467 40232074
2014/15 62815599 56381528 45441740
2015/16 79796981 71827799 54579259
2016/17 91557768 80133906 72298873

Total Capital Fund of HBL, EBL and SBI

Fiscal Year HBL EBL SBI

2012/13 6414437 5777682 4888638
2013/14 7155579 6422257 5892028
2014/15 8041967 8457023 7063688
2015/16 9815198 10094804 8169663
2016/17 12613817 13063702 11692078

We have,
Ratio of Total Capital Fund as =Total Capital Fund *100%
TRWA

Calculation of Capital Adequacy of HBL at 2012/13 = Total Capital Fund *100

TRWA
= 6414437 * 100 = 12.95
49526322
Same as Calculation of Core Capital Fund

Ratio of Core Capital Fund as =Core Capital Fund *100% = 8.96

TRWA
 APPENDIX-G

Calculation of Capital to Deposit Ratio

HBL EBL SBI

Fiscal
Year Capital
Capital fund Deposit Capital Fund Deposit Deposit
Fund

2012/13 53072 5777.682 57720 4888.638 58920

6,414.437
2013/14 64674 6422.257 62108 5892.028 54492
7,155.579
2014/15 73538 8457.023 83093 7063.688 51628
8,041.967
2015/16 87335 10094.804 93735 8169.663 65213
9,815.198
2016/17 92881 13063.702 95094 11692.08 81664
12,613.817

Capital to Deposit Ratio = Capital Fund *100%

Deposit

Capital to Deposit ratio of HBL at 2012/13 = 6,414.437 *100%

53072

= 12.08% and same as others fiscal year

APPENDIX-H

Calculation of Credit to Deposit Ratio

Fiscal HBL EBL SBI

Year Credit Deposit Credit Deposit Credit Deposit
2012/13 39648.7 53072 44197 57720 28788 58920
2013/14 44399.9 64674 48450 62108 35279 54492
2014/15 53124.4 73538 55363 83093 39979 51628
2015/16 66868.6 87335 68828.4 93735 46940.3 65213
2016/17 75397.4 92881 78165.3 95094 62132.7 81664

We have,
Credit to Deposit Ratio = Credit *100%
Deposit
For calculation of 2012/13 of HBL

CD Ratio = Credit as on 2012/13 *100%

Deposit as on 2012/13

= 39648.7*100%
53072
= 74.70
 APPENDIX-I

Calculation of Correlation Coefficient

Fiscal HBL EBL SBI

Year Capital Credit Capital Credit Capital Credit
2012/13 6,414.44 39649 5777.682 44197 4888.638 28788
2013/14 7,155.58 44400 6422.257 48450 5892.028 35279
2014/15 8,041.97 53124 8457.023 55363 7063.688 39979
2015/16 9,815.20 66869 10094.8 68828.4 8169.663 46940.3
2016/17 12,613.82 75397 13063.7 78165.3 11692.08 62132.7
Sum 44,041.00 279439 43815.468 295003.7 37706.097 213119

Calculation of Correlation Co-efficient of Credit on Capital of HBL

Let the variables Capital be X and Credit be Y

HBL
x= (X-X ) y= (Y-Y ) xy x2 y2

-2393.763 -16239.1 38872556.7 5730101.3 263708369

18985144.8 2731156.2 131971846

-1652.621 -11487.9

-766.233 -2763.4 2117408.27 587113.01 7636379.6

11057643.6 1014045 120577969

1006.998 10980.8

74246065.4 14482721 380624492

3805.617 19509.6

Σ=
145278819 24545136 904519056

X= Σx 44041 = 8808.2
N 5

Y= Σy 279439 = 55887.8
N 5

Now,

r= Σxy = 145278819 0.975

√Σx2. √Σy2 149001797.609
 Calculation of Correlation Co-efficient of Credit on Capital of EBL
Let the variables Capital be X and Credit be Y

x= (X-X ) y= (Y-Y xy x2 y2
X Y )
5777.682 44197 5777.682 44197 255356211.4 33381609.29 1,953,374,809.0
6422.257 48450 6422.257 48450 311158351.7 41245384.97 2,347,402,500.0
8457.023 55363 8457.023 55363 468206164.3 71521238.02 3,065,061,769.0
10094.8 68828.4 10094.8 68828.4 694808932.3 101904987 4,737,348,646.6
13063.7 78165.3 13063.7 78165.3 1021128030 170660257.7 6,109,814,124.1
Σ= 43815.468 295003.7 2750657689 418713477 18,213,001,848.7

X= Σx 43815.468 = 8763.09
N 5

Y= Σy 295003.7 = 59000.74
N 5

Now,

r =Σxy
√ Σx2. √Σy2 =
2750657689
2761526559.676

= 0.996
 APPENDIX-J
Capital Fund

Perce Perce Perce

Amount ntage Amount ntage Amount ntage
HBL EBL SBI
Fiscal Year Increased Incre Increased Incre Increased Incre
ment ment ment

2012/13 6414.437 ---- ---- 5777.682 ------ ----- 4888.638 ----- ----

2013/14 7155.579 741.142 11.55 6422.257 644.575 11.16 5892.028 1003.390 20.52

2014/15 8041.967 886.388 12.39 8457.023 2034.766 31.68 7063.688 1171.660 19.88

2015/16 9815.198 177.3231 22.05 10094.804 1637.781 19.36 8169.663 1105.975 15.65

2016/17 12613.817 279.8619 28.51 13063.702 2968.898 29.41 11692.078 3522.415 43.11

Calculation,

For Example calculation of HBL FY 2012/13 increment

Increased amount of Capital Fund = Capital Fund (2013/14)-Capital Fund of (2012/13)

= 7155.579 - 6414.437

Amount Increased = 741.142 then after

Percentage of Increased amount = 741.142 *100% = 11.55% same as others

6414.437
 APPENDIX-K

Share Capital

Percent Percen
Amount Percentag
Amount age tage Amount
Fiscal Year HBL EBL Increase SBI e
Increased Increm Increm Increased
d Increment
ent ent

2012/13 2898000 ……. ……… 1921239 ……… ……… 2650206 ……… ………

2013/14 3332700 434700 15 2137387 216148 11.25 3049083 398877 15.05

2014/15 4499145 1166445 35 2742604 605217 28.31 3883735 834652 27.37

2015/16 5848888 1349743 29.99 4606426 1863822 67.95 4973079 1089344 28.04

2016/17 8114529 2265641 38.73 7732723 3126297 67.87 8000000 3026921 60.86

Calculation,

For Example calculation of HBL FY 2012/2013‘s increment

Increased amount of Share Capital = Share Capital (2013/14) - Share Capital (2012/13)

= 3332700 -2898000

Amount Increased = 434700 then after

Percentage of Increased amount of Share Capital= 434700*100% =15 % same as others

2898000
 APPENDIX-L

Deposit Trend

Fiscal National Share Share

HBL EBL SBI Share of HBL
Year Total of EBL of SBI
2012/13 53072 57720 58920 1020830 5.19 5.65 5.77
2013/14 64674 62108 54492 1204463 5.36 5.15 4.52
2014/15 73538 83093 51628 1462896 5.03 5.68 3.52
87335 93735 65213 1764592 4.95 5.31 3.69
2015/16
2016/17 92881 95094 81664 2093255 4.4 4.81 4.13

Calculation of Deposit% of HBL on (2012/13) = Deposit on 2012/13 *100%

National total deposit on 2012/13

= 53072*100%
1020830

= 5.19 same as calculation methods are used.

 APPENDIX-M

Credit Trend

At the End
of Fiscal National % % %
Year HBL EBL SBI Total HBL EBL SBI
2012/13
39648.7 44197 28788 748753.7 5.3 5.9 3.84
2013/14
44399.9 48450 35279 891629.9 4.98 5.43 3.95
2014/15
53124.4 55363 39979 1087486.7 4.88 5.09 3.67
2015/16
66868.6 68828.4 46940.3 1380358.6 4.84 4.98 3.4
2016/17
75397.4 78165.3 62132.7 1718131.8 4.38 4.55 3.61

Calculation

Credit % of EBL on (2012/13)= Credit on 2012/13 *100%

National total deposit on 2012/13

= 44197*100%
748753.7

= 5.9 same as calculation methods are used.