Notes to and forming part of the Unconsolidated Financial Statements

For the year ended December 31, 2018

47.1.5 Concentration of Advances

The bank top 10 exposures on the basis of total (funded and non-funded exposures) aggregated to Rs 329,887 million
(2017: 244,079 million) are as following:

2018 2017
------- (Rupees in '000) -------

Funded 202,225,292 151,828,373

Non Funded 127,661,689 92,250,648
Total Exposure 329,886,981 244,079,021

The sanctioned limits against these top 10 expsoures aggregated to Rs 377,954 million (2017: Rs 320,645 million).

47.1.6 Advances - Province / Region-wise Disbursement & Utilization

2018
Utilization
Province / Region Disburse-
KPK including AJK including
ments Punjab Sindh Balochistan Islamabad
FATA Gilgit-Baltistan

---------------------------------------------------------------------------- (Rupees in '000) ---------------------------------------------------------------------------

Punjab 189,383,006 189,383,006 - - - - -

Sindh 182,227,010 - 182,227,010 - - - -
KPK including FATA 1,993,230 - - 1,993,230 - - -
Balochistan 316,817 - - - 316,817 - -
Islamabad 81,087,836 - - - - 81,087,836 -
AJK including Gilgit-Baltistan - - - - - - -
Total 455,007,899 189,383,006 182,227,010 1,993,230 316,817 81,087,836 -

2017
Utilization
Province / Region Disburse-
KPK including AJK including
ments Punjab Sindh Balochistan Islamabad
FATA Gilgit-Baltistan

---------------------------------------------------------------------------- (Rupees in '000) ---------------------------------------------------------------------------

Punjab 133,494,133 133,494,133 - - - - -

Sindh 281,235,979 - 281,235,979 - - - -
KPK including FATA 1,025,076 - - 1,025,076 - - -
Balochistan 1,438,165 - - - 1,438,165 - -
Islamabad 18,292,432 - - - - 18,292,432 -
AJK including Gilgit-Baltistan 18,311 - - - - - 18,311
Total 435,504,096 133,494,133 281,235,979 1,025,076 1,438,165 18,292,432 18,311

47.2 Market Risk

Market risk is the risk that the fair value of a financial instrument will fluctuate due to movements in market prices. It results
from changes in interest rates, exchange rates and equity prices as well as from changes in the correlations between them.
Each of these components of market risk consists of a general market risk and a specific market risk that is driven by the
nature and composition of the portfolio.

Measuring and controlling market risk is usually carried out at a portfolio level. However, certain controls are applied, where
necessary, to individual risk types, to particular books and to specific exposures. Controls are also applied to prevent any
undue risk concentrations in trading books, taking into account variations in price, volatility, market depth and liquidity.
These controls include limits on exposure to individual market risk variables as well as limits on concentrations of tenors
and issuers.

Annual Report 2018 135