Assets

Cash and bank balances with treasury banks

Balances with other banks
Lendings to financial institutions
Investments
Advances
Fixed assets
Intangible assets
Deferred tax assets - net
Other assets
Total Assets

Liabilities
Bills payable
Borrowings
Deposits and other accounts
Liabilities against other assets subject to finance lease
Sub-ordinated debt
Deferred tax liabilities - net
Other liabilities
Total Liabilities
Net Assets

Represented by
Share Capital
Reserves
Surplus on revaluation of assets
Unappropriated profit
Total Equity
Additional data
Non performing loans
Interest Bearing Libilities
Total Earning Assets
Government Securities
Stock Price
Risk Assets
Uninsured Deposits
Total Deposits
Allowance for Loan Loss
Opening Balance
Actual Charge Offs
Recoveries from Previous Charge Offs
Total Loans
Net Charge Off
Held for Trading Securities
Current Account Deposits
No of employees (2022 report)
Purchased funds
Number of branches
Net loans
Average Total Assets
Personnel Expense
 2022 2021 2020 2019
(Rupees in '000) (Rupees in '000) (Rupees in '000) (Rupees in '000)

68,918,645 60,295,393 54,366,569 61,290,428

8,737,656 9,567,702 11,271,237 3,484,265
51,286,290 11,728,869 69,551,802 17,012,089
477,732,454 450,583,287 349,444,772 249,164,030
216,207,696 234,172,617 178,216,374 218,087,193
11,474,182 10,689,126 11,910,762 10,563,451
26,095,310 26,095,310 26,095,324 26,095,375
- - - -
66,836,739 36,293,236 21,047,905 34,273,754
927,288,972 839,425,540 721,904,745 619,970,585

14,820,617 16,601,187 10,712,040 12,375,271

28,063,619 35,028,767 23,293,381 20,256,731
718,449,989 626,774,412 556,505,923 465,628,985
- - - -
- - - -
5,354,762 3,679,066 2,624,986 3,707,964
73,079,106 77,736,852 47,090,605 45,085,131
839,768,093 759,820,284 640,226,935 547,054,082
87,520,879 79,605,256 81,677,810 72,916,503

38,715,850 38,715,850 38,715,850 38,715,850

29,211,960 25,243,085 22,497,551 19,870,955
7,878,792 7,371,825 7,755,848 5,382,841
11,714,277 8,274,496 12,708,561 8,946,857
87,520,879 79,605,256 81,677,810 72,916,503
2022 2021 2020 2019
21,237,000 21,303,000 22,695,000 17,738,000
732,941,108 651,471,820 565,133,416 476,986,118
744,771,624 696,156,098 595,986,715 484,181,053
37,189,982 52,055,067 36,463,642 21,544,993
19.9 34.9 34.8 23.6
394,137,847 382029306 345514540 327284711
359,471,989 277621412 231520923 216310985
718449989 626774412 556505923 465628985
22,109,113 21,243,934 17,587,958 17,996,652
21,731,895 21,536,203 17,181,427 17,618,487
1,119,528 1,089,739 4,770,380 50,614
177,254 302,743 236,197 411,969
746,513,608 661,803,179 579,799,304 485,885,716
173,278 166,996 351,997 186,804
454816 328675 1226233 82259
28,393,117 26,932,546 25,377,928 21,274,869
2100 2092 2085 2091
68,989,982 64,608,435 43,888,566 23,513,129
40 37 32 32
214,888,204 233,677,890 173,275,660 218,070,383
883,357,256 780,665,143 670,937,665 598,025,961
7,414,425 6,644,007 6,394,485 6,071,340
 2018 2017
(Rupees in '000) (Rupees in '000)

50,293,497
2,344,297
6,465,508
279,065,904
169,543,762
7,837,979
26,095,476
-
34,434,913
576,081,336 513548602

16,943,627
24,023,697
424,898,936
-
-
3,631,209
39,345,498
508,842,967
67,238,369

38,715,850
16,667,466
5,528,671
6,326,382
67,238,369 62936696
 2018
17,403,000
443,852,429
454,947,706
12,127,610
24.17
259,954,707
218,222,936
424898936
20,098,990
19,624,561
1,088,365
344,337
448,922,633
177,254
127468
22,013,831
2073
12,318,132
25
168,325,305
544,814,969
5,984,337
 2022 2021
(Rupees in '000) (Rupees in '000)

Markup/ Return/Interest Earned 90,430,254 46,852,339

Markup/Return/ Interest Expensed 45,828,352 20,584,643
Net Markup/ Interest Income 44,601,902 26,267,696

Non Markup/ Interest Income

Fee and Commission income 2,992,986 3,132,567
Dividend income 25,927 20,930
Foreign exchange income 9,538,996 4,598,986
Income / (loss) from derivatives 3,097,930 1,091,378
Gain/(loss) on securities 2,266,039 2,054,917
Other income 125,663 226,909
Total non markup / interest income 18,047,541 11,125,687

Total Income 62,649,443 37,393,383

Non Markup/Interest Expense

Operating expenses 12,810,591 11,539,495
Workers welfare fund 1,022,926 578,534
Other charges 11,919 18,989
Total non markup / interest expenses 13,845,436 12,137,018
Profit before provisions 48,804,007 25,256,365
Recovery/ (provisions) and write offs - net 1,319,492 494,727
Extraordinary/unusual items - -
Profit before taxation 50,123,499 24,761,638
Taxation 30,279,124 11,033,966
Profit after taxation 19,844,375 13,727,672

Basic/Diluted earnings per ordinary share 5.13 3.55

 2020 2019 2018
(Rupees in '000) (Rupees in '000) (Rupees in '000)

52,221,970 52,240,154 31,206,960

24,082,373 24,053,613 12,376,471
28,139,597 28,186,541 18,830,489

4,087,281 3,602,430 4,156,666

- - -
3,967,308 4,197,403 5,480,279
1,165,568 1,177,969 1,336,192
3,380,515 1,799,304 1,278,642
199,534 112,668 108,297
12,800,206 10,889,774 9,687,692

40,939,803 39,076,315 28,518,181

11,878,809 11,128,663 10,886,745

492,035 732,699 369,546
11,765 32,560 33,774
12,382,609 11,893,922 11,290,065
28,557,194 27,182,393 17,228,116
4,940,714 16,810 1,218,457
- - -
23,616,480 27,199,203 18,446,573
10,483,498 11,181,756 7,207,213
13,132,982 16,017,447 11,239,360

3.39 4.14 3
 2022 2021
Return on Equity Capital 22.67% 17.24%
Return on Assets 2.14% 1.64%
Net Interest Margin 5.31% 3.46%
Net Operating Margin 0.50% -0.13%
Earnings per share of stock 1.6182 0.9658
Earnings Spread 5.89% 3.57%
Return on Equity 22.67% 17.24%
Net Profit Margin 0.1829 0.2368
Asset Utilization 0.1170 0.0691
Equity Multiplier 10.5951 10.5449
Return on Equity 22.67% 17.24%
2020 2019 2018
16.08% 21.97% 16.72%
1.82% 2.58% 1.95%
4.40% 5.15% 3.70%
0.07% -0.18% -0.31%
1.0574 1.0093 0.7366
4.50% 5.75% 4.07%
16.08% 21.97% 16.72%
0.2020 0.2537 0.2748
0.0901 0.1018 0.0710
8.8384 8.5025 8.5677
16.08% 21.97% 16.72%
Market risk

Operational risk

CAR Ratio

Legal compliance risk(Adjusted in operational risk)

Liquidity Risk
Purchased funds/total assets
Net loan/ total assets
Cash and due from bank/total assets
Cash and government securities/total assets

Credit Risk
Non-performing loans/ Total loans
Net charge offs/Total loans
Provision for loan losses/Total loans
Provision for loan losses/Equity Capital
Allowances for loan losses/Total loans
Allowances for loan losses/Equity Capital
Non-performing loans/ Equity Capital

Capital Risk
Stock price/EPS
Equity Capital/Total assets
Purchase Funds/Total liabilities
Equity Capital/Risk Assets

Interest Rate Risk

Interest sensitive assets/interest sensitive liabilities
Uninsured deposits/Total deposits

Other goals in banking

Operating efficiency ratio= Total operating expenses/total operating revenue
Employee productivity ratio= Net operating income/ # of full time eqvalent employees
 2022 2021 2020 2019 2018
21033154 39378955 35690543 31719263 15292403

85479076 70351669 65193246 55836821 47195782

18.68% 16.93% 19.12% 16.94% 19.09%

7.44% 7.70% 6.08% 3.79% 2.14%

23.17% 27.84% 24.00% 35.17% 29.22%
8.37% 8.32% 9.09% 10.45% 9.14%
11.44% 13.38% 12.58% 13.36% 10.84%

2.84% 3.22% 3.91% 3.65% 3.88%

0.02% 0.03% 0.06% 0.04% 0.04%
0.18% 0.07% 0.85% 0.00% 0.27%
1.51% 0.62% 6.05% 0.02% 1.81%
2.96% 3.21% 3.03% 3.70% 4.48%
25.26% 26.69% 21.53% 24.68% 29.89%
24.27% 26.76% 27.79% 24.33% 25.88%

12.30 9.83 10.27 5.70 8.06

9.44% 9.48% 11.31% 11.76% 11.67%
8.22% 8.50% 6.86% 4.30% 2.42%
22.21% 20.84% 23.64% 22.28% 25.87%

101.61% 106.86% 105.46% 101.51% 102.50%

50.03% 44.29% 41.60% 46.46% 51.36%

55% 56% 56% 57% 58%

36426.1 23676.1 25574.3 24376.0 19203.2
 Weightage

C CAR 20%

Ranking SCB
MCB
HBL
BOK

A Asset Quality 20%

NPL/Total loans
Ranking SCB
MCB
HBL
BOK

Total Loans/ Total Deposits

Ranking SCB
MCB
HBL
BOK

M Management Quality 25%

Personnel expenses/average assets

Ranking SCB
MCB
HBL
BOK

Admin Expenses/Total Earnings

Ranking SCB
MCB
HBL
BOK

E Earning Quality 15%

 ROA
Ranking SCB
MCB
HBL
BOK

ROE
SCB
MCB
HBL
BOK

L Liquidity 10%

Net loans/Deposits and ST Funding

Ranking SCB
MCB
HBL
BOK

Advances/Deposits
SCB
MCB
HBL
BOK

S Sensitivity 10%

Total securities/Total Assets

Ranking SCB
MCB
HBL
BOK

Final Ranking
 CAMELS Rating

2022 2021 2020 2019 2018

18.68% 16.93% 19.12% 16.94% 19.09%

1 1 1 1 1

1 1 1 1 1

2.84% 3.22% 3.91% 3.65% 3.88%

2 2 3 3 3

3 3 3 3 3

80.50% 78.84% 80.32% 78.37% 77.93%

8.00% 0.85% 0.95% 1.02% 1.10%

1 1 1 1 1

11.81% 19.90% 18.27% 17.63% 26.62%

1 1 1 1 2

2 1 1 1 1
2.14% 1.64% 1.82% 2.58% 1.95%
1 1 1 1 1

5 4 4 5 5

22.67% 17.24% 16.08% 21.97% 16.72%

1 2 3 2 3

4 3.5 3.5 4.5 5

27.29% 33.80% 28.86% 44.58% 38.50%

1 1 1 1 1

30.09% 37.36% 32.02% 46.84% 39.90%

1 1 1 1 1

1 1 1 1 1

51.52% 53.68% 48.41% 40.19% 48.44%

5 5 5 5 5

5 5 5 5 5

1.6 1.6 1.875 1.8 1.875