MCB ISLAMIC BANK LIMITED

LNH - 01 ATM Machines Deployment

Basic Information and Assumptions Rs. In million

No of ATM Machine a 1
Estimated Acquiring transactions per ATM per month b 3,000
Contribution per Transaction c 18
Average Deposit Maintained by LNH:
CA d 100
SA e 2,000
TD f -
Estimated Payroll Deposit in CA g 100
Estimated Payroll Deposit Retaind @ 10% h 10
Fund Bases Limit Business (if any) i -
Non-Fund Bases Limit Business (if any) j 2,000
Cost of Deposit:
SA k -
TD l -
Payroll Deposit m -
Financing Rate KIBOR + 1% n
Pool Rate - Net of CRR @ 6% o 19.58%

Monthly P&L Impact

Incomes
Pool Income on Deposit p = (d + e +f + g) x n 2
Acquiring Income on ATM q=axbxc 0.005
Financing Income r=ixn -
Non-Fund Bases Business Income s -
Total Income t = (p +q + r + s) 2
Expenses
Deposit Cost u = (e x k) + (f x l) + (h x m) -
Pool Cost on Financing v=ixo -
OPEX - Annexure-A w = Annexure A x 3 0.28
Total Expenses x=u+v+w 0
Net Monthly Income from Customer z=t-x 2
MCB ISLAMIC BANK LIMITED Annexure A
Installation of ATM Cost
Amount in Rs.
Capex Opex (Monthly)

Item Description Monthly

Direct Cost Other
Direct Recurring Depreciation Total
(One Time) Charges
Charges
ATM 2,603,800 - - 19,092 30,998 50,089
Router & Switch 300,000 - - 8,333 3,571.43 11,905
Connectivity Charges - - - 30,000 - 30,000
UPS 150,000 - - - 1,250 1,250
CCTV 250,000 - - - 2,083 2,083
LAN Networking 100,000 - - - 2,083 2,083
Configuration Cost (ATM, Router,
- 100,000 - 1,190.48 1,190
Switch etc.)
Air Conditioner 1.5 Ton 250,000 - - - 2,083 2,083
Renovation Cost for ATM Setup - 464,000 - - 7,733.33 7,733
BAS (Burglar Alarm System) 75,000 - - - 625 625
Branding & Marketing Material - - 60,000 - - 60,000
Rental - - - - - -

Contingencies (Cash Replenishment,

- - 100,000 15,000 - 115,000
maintenance,Takaful etc.)

Total 3,728,800 564,000 160,000 72,425 51,618 284,043