Bhalwal Branch

As of date-May-2024 Performance Review

 EXECUTIVE SUMMARY AS OF DATE MAY 24
Deposits Disbursement
 Performance overview:  Performance:
1. 95.4 M Deposit achieved with 69% of May -24 Target. 1. YTD Disbursement as of April-2024 was 137.3 M (91% collateral backed & 9%
2. % Growth of overall deposit from the base of 31-Dec-2023. unsecured).
3. 24 M CA & 54% of target achieved. 2. 91% gold backed and 0% other asset backed
4. 70 M SA & 76% of Target achieved. 3. 69% MSME and 31% general loans
5. 1 M TD & 100% of Target achieved. 4. Disbursed PKR 163.3 M which is 49% of Target.
6. 94 M CASA & 96% share of total deposit.
7. CA deposit 23% increased from base year 2023.

Watch List/NPLs/210+ DPDs
Brand Ambassador (BA) Program Launch:
1. 2 BA working with 6.4 M Deposit
 MAUs:  Performance:
1. 118 MAUs active from 3210 Deposit accounts.  44 M Portflio was in 1-209 DPD as of 31-Dec & 2.8 M Collection
 WFs & Health/Banca; achieved against those AAs.
1. 345 Active Women accounts with 23% share of deposit accounts.  0.4 M asset backed collection & 1.5 M Gold while 0.9 M Unsecured
2. 8 Health insurance achieved with 3.2% of target. Collected.
3. 0 Banca achieved with 0 % of YTD Target.  40.8 M Portflio was in 210+ DPD as of 31-Dec & -33 M Collection
achieved against those AAs.
 0 M asset backed collection & 0 M Gold while 05 M Unsecured
Advances
Collected.
 474 M Unsecured Due in Q-4 & 0.3 M Collected Proactively.

Flood Impacted Portfolio

 Performance:
1. 1024 M Active GLP. Flood Impacted Portfolio:
2. MSME portfolio constitutes 32.5% and general loan portfolio constitutes 67.4% 1. 2 Ros Portflio under this category.
3. 50% of the total portfolio is collateral backed (includes gold backed as well as 2. Total outstanding portfolio (PA + M-up) as at 30-
other asset backed). April -31 is 20 M
4. 0% Achievement. 0% positive Growth of GLP from Base year 2023. 3. 5 M has been recovered during May.
4. Overall 7 M Collection Achieved in Year 2024.
R-9 Portfolio Collection:
5. Total due FY 2024 is 38.98 M and achievement
so far is 12 M.
 HR Update
Designation Allocated HC Active Pending at HR Pending at Branch

BM 1 1 0 0
BSM 1 1 0 0
RM 2 2 0 0
RO 12 12 0 0
GBO 2 2 0 0

BA 5 2 0 3
Interns 3 2 0 1
Greater 1 1 0 0
Total 27 23 0 4
 Product wise GLP Review FTM May-24(Million)
GLP as of 31-Dec-23 GLP as of Date FTY 2024 Growth

Disbursement Active 1-209 210+ 1-209 210+ 1-209 210+

Loan Product DPD DPD Active DPD DPD Active DPD DPD
FTY 2024
GLP (Act PR) (Act PR) GLP (Act PR) (Act PR) GLP (Act PR) (Act PR)
Agri Pass Book 0M 62 M 5M 3M 57 M 2M 7M 5M 3M -4 M
Agri Plus loan 0M 2M 8M 3M 2M 0M 11 M 0M 8M -8 M
Commercial Vehicle
Loan 0M 3M 0M 0M 3M 0M 0M 0M 0M 0M

Fori Cash Loan 33 M 117 M 1M 0M 105 M 2M 0M 11 M -1 M 0M

House loan 0M 3M 0M 0M 3M 0M 0M 0M 0M 0M
Karobar Loan 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
LVS + KKL 16 M 554 M 30 M 35 M 540 M 33 M 51 M 14 M -4 M -16 M
Microenterprise
loan 115 M 345 M 0M 0M 312 M 11 M 0M 33 M -11 M 0M

Tractor loan 0M 1M 0M 0M 1M 0M 0M 0M 0M 0M
Branch Total 163 M 1088 M 44 M 41 M 1024 M 49 M 69 M 63 M -5 M -28 M
Total Secured 148 M 532 M 6M 3M 482 M 16 M 7M 50 M -9 M -4 M
Total Unsecured 16 M 556 M 37 M 38 M 542 M 33 M 62 M 14 M 4M -24 M
 Product wise CCR FTM May-24

Total Due O/S Due Fall in OD

Loan Product Net Collection % CCR
NPA NPA AP Act PR

Agri Pass Book 354,809 403,788 403,788 1,536,503 -48,980

-14%
Agri Plus loan 0 0 0 1,910,740 0
0%
CVL 36,409 78,405 78,405 3,131,413 -41,996
-115%
Fori Cash Loan 8,748,878 4,473,693 4,473,693 4,473,693 4,275,185
49%
House loan 17,857 17,857 17,857 2,645,726 0
0%
Livestock Loan 17,168,301 15,559,754 15,559,754 15,559,754 1,608,547
9%
Microenterprise loan 36,458,216 21,018,000 21,018,000 21,018,000 15,440,216
42%
Branch Total 21,232,973
62,784,470 41,551,497 41,551,497 50,275,829 34%
RM1 29,197,059 16,485,449 16,485,449 12,711,610
20,754,713 44%
RM2 33,587,411 25,085,921 25,085,921 8,501,490
32,472,434 25%
 Product wise Secured Loan 1-210+ DPD Collection Position(Million)

Secured 1 DPD to 210+ O/S Same DPDs Net Collection FTM

Loan Product As of 30-April-2024 as of Date FTM May-24 24-May

AP Act PR AP Act PR AP Act PR Target Achieved

Agri Pass Book 9,206,585 29,663,655 9,123,700 28,944,484 82,885 719,171 3,000,000 719,171

Commercial
41,307 839,030 30,406 516,226 10,901 322,804 50,000 322,804
Vehicle Loan

Fori Cash Loan 630,559 1,133,670 534,559 1,037,670 96,000 96,000 630,000 96,000

Microenterprise
2,172,129 2,172,129 2,172,129 2,172,129 - - 1,320,000 -
loan

Total Branch 12,050,580 33,808,484 11,860,793 32,670,509 189,787 1,137,975 5,000,000 1,137,975

Najam Ul Hassan 7,730,224 23,390,539 7,549,944 22,262,072 180,280 1,128,468 2,500,000 1,128,468

Shahid Jameel 4,320,356 10,417,944 4,310,849 10,408,437 9,507 9,507 2,500,000 9,507
 Product wise 30 to 210+ DPD Growth as of Date

30-210+ as of 30-April 30-210+ as of Date MTD Impact

Loan Product
AP Act PR AP Act PR AP Act PR
Agri Pass Book 9,040,165 27,973,290 9,077,465 28,451,460 37,300.0 478,170.2
Agri Plus loan 10,895,266 13,345,266 10,895,266 13,345,266 - 0.0
CVL 39,913 525,733 30,406 516,226 (9,506.8) (9,506.8)
Fori Cash Loan 412,059 915,170 534,559 1,037,670 122,500.0 122,500.0
Karobar Loan 328,790 328,790 328,790 328,790 - 0.0
LVS + KKL 67,540,059 67,540,059 73,336,757 73,336,757 5,796,697.8 5,796,697.8
Microenterprise 1,055,129 439,000.0 439,000.0
loan 1,055,129 1,494,129 1,494,129

Grand Total 89,311,380 111,683,436 95,697,371 118,510,298 6,385,991.0 6,826,861.3

Najam Ul Hassan 39,819,149 56,190,406 43,988,949 60,801,076 4,169,800.0 4,610,670.2

Shahid Jameel 49,492,231 55,493,030 51,708,422 57,709,221 2,216,191.1 2,216,191.1

 Q-1 CCR as of Date 2024 (Million)

Q-1 Left over

Total Q-1 as of 31-Mar-2024 Q-1 as of Date Collection in
April & May
% CCR
Loan Product Improve
d
Due Fall in OD (AP)
Net Fall in Net
Fall in OD % CCR % CCR
Collection OD(AP) Collection
(Act PR)

Asset Back 2,621,058 788,959 1,832,099 1 943,980 8,289,328 1,677,078 1 (155,022)

(0)

Gold Back 78,836,917 2,453,303 76,383,614 1 1,211,527 1,624,799 77,625,391 1 1,241,776 0

Un-secured 32,537,520 12,908,189 19,629,331 1 13,513,887 13,813,887 19,023,632 1 (605,699)

(0)

Branch 113,995,495 16,150,450 97,845,045 1 15,669,394 23,728,014 1 481,056 0

98,326,101

Najam Ul
Hassan 56,534,708 8,053,975 48,480,733 1 7,578,987 14,362,145 48,955,721 1 474,988 0

Shahid
Jameel 57,460,788 8,096,475 49,364,312 1 8,090,407 9,365,869 49,370,380 1 6,068 0
 April-24 CCR as of Date 2024 (Million)

April
Total as of 30-April-2024 April CCR as of Date Left over
Collectio
n in May
Loan % CCR
Product Improve
O/S Fall in O/S Fall in Net d
Due (AP)
OD OD Collection
Fall in OD Net % CCR % CCR
Collection
(AP) (Act PR) (AP)

Asset Back 1,019,038 167,815 851,223 84% 84% 1394.66 0%

166,420 1,690,365 852,618
Gold Back 20,979,819 1,335,500 19,644,319 94% 94% 0 0%
1,335,500 1,335,500 19,644,319

Un-secured 19,114,355 11,777,111 7,337,244 38% 11,777,111 11,777,111 7,337,244 38% 0 0%

Branch 41,113,212 13,280,426 27,832,786 68% 13,279,031 14,802,976 27,834,181 68% 1394.66 0%

Najam Ul
Hassan 24,902,240 7,583,489 17,318,751 70% 7,582,095 8,659,251 17,320,146 70% 1394.66 0%

Shahid
Jameel 16,210,971 5,696,936 10,514,035 65% 5,696,936 6,143,725 10,514,035 65% 0 0%
 Rollover Data Jan to May 2024 ( Million)

Total Gold
% back %
Total Total KKL/LVS
Due Month Rollover Roll Over
Due(Overall) Due Roll
Due Rollover(Go
Over(Unsec)
ld)
Jan-24 22,658,153 6,103,368 2,966,876 49% 16,177,646 0 0%
Feb-24 40,103,236 10,581,733 4,560,048 43% 28,834,033 796,963 3%
Mar-24 51,234,104 15,852,419 6,658,009 42% 33,825,238 1,467,861 4%
Apr-24 43,406,076 19,314,541 5,713,614 30% 23,122,970 2,813,096 12%
May-24 62,784,470 17,466,293 - 0% 56,306,893 0 0%

Total(Jan-May) 220,186,039 69,318,354 19,898,548 5,077,921 3%

29% 158,266,780
Najam Ul 115,479,834 31,557,273 3,255,215
Hassan 8,710,666 4%
28% 81,618,537

Shahid Jameel 116,049,732 37,761,081 11,187,882 1,822,706 2%

30% 76,648,243
 Proactive Collection FTY 2024 Dues (Million)

Indicator 24-Jun 24-Jul 24-Aug 24-Sep 24-Oct 24-Nov 24-Dec FTY Total

Total Due as 31-Dec-23

61,012,671 57,095,226 79,933,213 91,605,182 103,002,036 104,334,809 266,425,875 763,409,010
Total KKL/LVS due as of 31-
Dec-23 21,539,716 12,784,816 19,781,413 51,956,799 71,180,061 72,349,367 245,258,998 494,851,171

Total KKL/LVS due as of 31-

Dec-23 (Except 2023 7,901,442 4,486,816 5,258,522 29,448,799 25,322,061 33,749,367 89,772,950 195,939,959
Disbursed)

% share of KKL/LVS in Total

Due 35% 22% 25% 57% 69% 69% 92% 65%

KKL/LVS Proactive
Collection in FTY 2024(Jan 39239 0 0 0 0 0 0 39239
to Date)
% Achieved (KKLL/LVS) 0.2% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

Najam Ul Hassan 0 0 0 0 0 0 0 0

Shahid Jameel 0 0 0 0 0 0 39239

39,239
 Overall Branch Business Review
FTM Achieved %
Indicator As of 30-April Excess/Shortfall
May Target as of date Achieved
GLP 1,067,984,934 1,210,852,763 1,081,266,714 (129,586,049) 1,210,852,763
Disb 137,338,263 89,883,369 27,815,598 (62,067,771) 31%
Solar/PL - 5,000,000 0 (5,000,000) 0%
CA 23,000,000 45,000,000 24,233,808 (20,766,192) 54%
SA 72,000,000 92,000,000 70,236,547 (21,763,453) 76%
TD 1,000,000 1,000,000 1,000,000 0 100%
Total 96,000,000 138,000,000 95,470,355 (42,529,645) 69%
MAUs 0 240 118 (122) 49%
WFS 34 50 5 (45) 10%
BA 1 5 2 (3) 40%
Corporate
- 0 0 0 #DIV/0!
Portal
Banca - 50,000 - (50,000) 0%
Health 250 18 27 9 150%
Insurance
 Profit & Loss Review
Markup on advances 62,596,765
Loan Processing Fee 3,612,975
Non interest income 229,184
Revenue Float - PMCL share (7,000,312)
Transfer Pricing (32,802,256)
Finance Cost 5,907,433
Net Revenue 20,728,924
Direct MMBL Cost Total Cost 7,631,940
Net Operating Profit 13,096,984
YTD ECL 10,352,341
Net Profit before Allocation 2,744,643
Cost Opex - Core only 10,482,481
Cross charge (5,635,667)
Allocated Costs 4,647,405
Depreciation & amortization 231,567
Profit / (Loss) (2,134,329)
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