Académique Documents
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Culture Documents
Current liabilities
Saving Bank ac (24:76)
current ac
Bill for collection
Branch Adjustment
overdue int reserve
int payable
other liabilities
Total
385105324.29
472914876.50
6592255.64
8688069.63
2458297.00
35226403.71
1229886799.76
2140872026.53
Current Assets
Cash in hand
Balance with other banks
Investment (short term)
st advances
int recievables:
on investment
on lons adv
Bills receivable
other assets:
income tax refund
fbt refund
clearing adjustment
sundr debt
doon vally UC bank
Total
99557032.21
312056941.21
1113371461.03
2556998328.40
93009863.60
1662449.63
6592255.64
27943780.00
7956.00
2634460.49
86147.14
9157.00
4213929832.35
current ratio=
1.97
2.14
2010
2011
411613973.42
0.192264633
0.195690689
External Equity:
Deposits
Bills for Collection
Branch Adjustment
Overdue Interest reserve
Int Payable
Other Liabilities
Total
6494662360.76
6592255.64
8688069.63
2458297.00
35226403.71
1229886799.76
7777514186.50
Internal Equity
Subscribed Capital
Reserve and surplus
P/L ac
Total
85887760.00
535669945.92
621557705.92
external/internal
2010
2011
2073057806
3531182310
12.51
12.22
2011
474513905.17
653388510.29
6319814.75
2579686.00
46297860.00
1926496468.95
3109596245.16
Current Ratio
2.20
2.10
2.00
1.90
1.80
Current Ratio
2010
116520712.60
491998318.40
2139503961.03
3753215261.59
2011
3500000000.00
81426088.96
2452824.08
6319814.75
48825630.98
7956.00
496829.49
11000.00
157.00
6640778554.88
3000000000.00
2500000000.00
2000000000.00
1500000000.00
1000000000.00
500000000.00
0.00
2010
608519031.00
8227132181.07
6319814.75
2579686.00
46297860.00
1926496468.95
10208826010.77
12000000000.00
2011
12000000000.00
10000000000.00
8000000000.00
151662840.00
683428064.24
6000000000.00
835090904.24
4000000000.00
2000000000.00
0.00
2010
2011
12.55
12.50
12.45
12.40
12.35
12.30
12.25
12.20
12.15
12.10
12.05
2010
2011
nt Ratio
7000000000.00
6000000000.00
5000000000.00
Current Ratio
4000000000.00
Current Ratio
Current Labilities
Current Assets
3000000000.00
2000000000.00
1000000000.00
0.00
2010
2011
0.196
Liquid Liabilities
Absolute Liquid Assets
0.195
0.194
2011
0.193
Absolute Liquid ratio
0.192
0.191
0.19
2010
2011
External Equities
Internal Equities
Ratio
2010
Fixed Assets:
Premises
4,293,584.33
36,466,229.74
40,759,814.07
Current Assets
Cash in hand
Balance with other banks
Investment (short term)
st advances
int recievables:
on investment
on lons adv
Bills receivable
other assets:
income tax refund
fbt refund
clearing adjustment
sundr debt
doon vally UC bank
Total
99557032.21
312056941.21
1113371461.03
2556998328.40
93009863.60
1662449.63
6592255.64
27943780.00
7956.00
2634460.49
86147.14
9157.00
4213929832.35
103.38
163.47
2011
4,365,171.71
36,257,430.15
40,622,601.86
116520712.60
491998318.40
2139503961.03
3753215261.59
81426088.96
2452824.08
6319814.75
48825630.98
7956.00
496829.49
11000.00
157.00
6640778554.88
7,000,000,000.00
6,000,000,000.00
5,000,000,000.00
4,000,000,000.00
3,000,000,000.00
2,000,000,000.00
1,000,000,000.00
2010
2011
Fixed Assets
Current Assets
2011
Outside Liability
2010
Term Deposits
Fixed Deposit
Mini Deposit
Recurring Deposit
Security MD Agents
Savings Bank Deposits
Current Deposits
4,004,631,628.52
357,953,806.15
53,622,588.00
933,943.70
1,604,605,517.89
472,914,876.50
6,592,255.64
8,688,069.63
2,458,297.00
35,226,403.71
12,000,000,000.00
10,000,000,000.00
8,000,000,000.00
6,000,000,000.00
4,000,000,000.00
2,000,000,000.00
-
Total Assets
1,153,698,048.16
3,473,880.00
2,985,310.30
4,673,401.00
94,155.00
5,250,286.00
3,859,110.00
1,491,293.28
38,763,563.82
961,700.00
4,250.00
3,568.00
243,780.20
225,000.00
500.00 2011
2010
6,457.00
500.00
406,267.00
7,763,768,456.50
8,526,217,188.42
Solvency ratio
0.910575966
0.916879289
2011
5,058,771,642.38
478,966,360.15
58,260,935.00
603,461.70
1,977,141,271.55
653,388,510.29
6,319,814.75
2,579,686.00
46,297,860.00
1,824,752,135.05
5,189,050.00
4,129,018.20
11,500,000.00
827.00
1,083,724.98
4,136,715.00
1,491,423.66
Total Outside Liability
53,623,173.06
Total Assets
950,600.00
4,250.00
12,488.00
393,155.00
2011
352,111.00
15,000.00
10,189,963,212.77
11,113,745,650.01
Solvency Ratio
0.918
0.916
0.914
0.912
0.91
0.908
0.906
2010
2011
lvency Ratio
Solvency Ratio
2011
2010
SHAREHOLDERS FUND
Subscribed Capital
Reserve and surplus
P/L ac
Total
Total Assets
85887760.00
535669945.92
621557705.92
8,526,217,188.42
NPAIT
SHAREHOLDERS FUND
Return on Shareholder Equity
78,144,260.62
621557705.92
12.57
535669945.92
85,887,760.00
res &surplus/cap
6.24
2011
12000000000.00
151662840.00
683428064.24
10000000000.00
835090904.24
11,113,745,650.01
Return on
8000000000.00
6000000000.00
4000000000.00
2000000000.00
Shareholders fund
13.60
Total Assets
13.40
13.20
13.00
12.80
0.00
12.60
12.40
12.20
111,952,521.55
835090904.24
13.41
900,000,000.00
12.00
800,000,000.00
700,000,000.00
683428064.24
151,662,840.00
600,000,000.00
500,000,000.00
400,000,000.00
Shareholders Equity
300,000,000.00
4.51
200,000,000.00
100,000,000.00
800000000.00
700000000.00
600000000.00
500000000.00
400000000.00
1.2
1
0.8
0.6
0.4
0.2
0
300000000.00
200000000.00
100000000.00
Return on Shareholder
Equity
1.200
RESERVE & SURPLUS TO CAPITAL RATIO
1.000
eholders Equity
0.800
7.00
0.600
6.00
0.400
RESERVE & SURPLUS TO
0.200
CAPITAL RATIO
-
5.00
800000000.004.00
700000000.003.00
2.00
600000000.00
1.00
500000000.00
-
400000000.00
CAPITAL
300000000.00
200000000.00
1.20
100000000.00
0.00
1.00
0.80
0.60
0.40
0.20
Composition of deposits
Saving A/c
Current A/c
Mini Deposit A/c
FDRs
24
8
6
62
165.67
189.49
158.34
120000
100000
Rupees in Laks
Current Accounts
Saving Bank Accounts
Mini Deposit Accounts
Fixed deposits Accounts
80000
60000
40000
20000
Rupee in Lcs
Working Capital
2008-09
2009-10
2010-11
60000
0
60416.38
83900.28
110350.3
50000
2008-09
40000
2009-10
30000
20000
10000
0
Current
Accounts
2008-09
165.67
2009-10
189.49
2010-11
158.34
Composition of deposits
(2010-11)
Saving A/c
24%
Current A/c
8%
FDRs
62%
Working Capital
2009-10
2010-11
2010-11
2008-09
2009-10
Current
Accounts
Saving
Bank
Accounts
2010-11
Mini
Deposit
Accounts
Fixed
deposits
Accounts
2009-10
2008-09
2010
2011
12.00
566,554,707.73
4989250995.53
11.36
690,145,485.50
6795838900.57
10.16
10.00
368,538,493.36
6,494,662,360.76
5.67
419,399,191.37
8,227,132,181.07
5.10
6.00
8.00
4.00
2.00
-
9000000000.00
8000000000.00
7000000000.00
6000000000.00
CD Ratio
Credit/Deposit
No . Of Employee
Per Employee Business
76.82
82.60
193
189
deposits + Advances / No of employee
59,502,141.74
79,486,619.48
5000000000.00
4000000000.00
3000000000.00
2000000000.00
1000000000.00
11,483,913,356.29
15,022,971,081.64
80,000,000.00
70,000,000.00
60,000,000.00
50,000,000.00
40,000,000.00
30,000,000.00
20,000,000.00
10,000,000.00
9000000000.00
8000000000.00
2010
4.60
2011
2010
7000000000.00
2011
CD Ratio
6000000000.00
5000000000.00
4000000000.00
84.00
82.00
Deposits
3000000000.00
80.00
2000000000.00
78.00
1000000000.00
76.00
0.00
74.00
2010
2011
72.00
2010
2010
2011
2011
nterest Margin
Ratio
CD Ratio
2010
ASSETS AND PR
2011
CAPITAL
i
ii
1 CASH IN HAND
Authorised Capital
Subscribed Capital
100,000,000.00
85,887,760.00
TOTAL
RESERVE FUND AND OTHER RESERVES
i
ii
iii
iv
v
vi
vii
viii
ix
x
85,887,760.00
370,447,042.85
14,000,000.00
3,300,000.00
10,000,000.00
18,923,273.84
140,000.00
50,000.00
1,300,000.00
19,939,530.38
33,172,568.23
471,272,415.30
200,000,000.00
151,662,840.00
151,662,840.00
424,976,723.47
14,000,000.00
3,300,000.00
40,000,000.00
45,425,664.41
140,000.00
50,000.00
1,300,000.00
27,978,384.58
2 BALANCES WITH O
i
ii
3 INVESTMENTS
i
ii
iii
iv
v
33,172,568.23
590,343,340.69
4 ADVANCES
Term Deposits
Fixed Deposit
Mini Deposit
Recurring Deposit
Security MD Agents
ii Savings Bank Deposits
iii Current Deposits
TOTAL
4,004,631,628.52
357,953,806.15
53,622,588.00
933,943.70
1,604,605,517.89
472,914,876.50
6,494,662,360.76
5,058,771,642.38
478,966,360.15
58,260,935.00
603,461.70
1,977,141,271.55
653,388,510.29
8,227,132,181.07
i
ii
iii
5 INTEREST RECEIVA
i
ii
6 BILLS RECEIVABLE
7 PREMISES LESS DE
BILLS FOR COLLECTION
6,592,255.64
6,319,814.75
8 FURNITURE AND FI
BRANCH ADJUSTMENTS
8,688,069.63
9 OTHER ASSETS
2,458,297.00
2,579,686.00
35,226,403.71
46,297,860.00
OTHER LIABILITIES
1,153,698,048.16
3,473,880.00
2,985,310.30
4,673,401.00
94,155.00
-
1,824,752,135.05
5,189,050.00
4,129,018.20
11,500,000.00
827.00
1,083,724.98
ii
iii
iv
v
vi
vii
viii
i
ii
TOTAL
CONTINGENT LIABILITIES
Guarantee Issued
TOTAL
5,000.00
78,144,260.62
4,136,715.00
1,491,423.66
53,623,173.06
950,600.00
4,250.00
12,488.00
393,155.00
352,111.00
15,000.00
1,907,633,670.95
6,000.00
78,149,260.62
111,952,521.55
111,958,521.55
127,139,296.00
69,817,735.00
8,526,217,188.42
11,113,745,650.01
10 CONTINGENT ASSE
12,000,000,000.00
10,000,000,000.00
8,000,000,000.00
6,000,000,000.00
4,000,000,000.00
2,000,000,000.00
Working Capital
Net Assets
Working Capital Ratio
ROA
8,390,027,339.78
8,390,027,339.78
1
2010
2011
Net worth
Total Funds
Proprietory Ratio
11,035,028,414.26
11,035,028,414.26
1
0.931394589
1.014519559
621,557,705.92
6,354,801,858.88
9.780914019
835,090,904.24
9,750,374,800.04
8.564705679
2010
CASH IN HAND
2011
99,557,032.21
116,520,712.60
312,056,941.21
1,708,715,679.00
491,998,318.40
Current Deposits
Fixed Deposits
TOTAL
2,020,772,620.21
1,316,087,134.75
1,808,085,453.15
INVESTMENTS
1,113,371,461.03
2,057,971,961.03
79,000,000.00
5,000.00
1,527,000.00
1,000,000.00
2,139,503,961.03
ADVANCES
2,556,998,328.40
555,090,028.94
1,877,162,638.19
TOTAL
4,989,250,995.53
3,753,215,261.59
533,014,138.32
2,509,609,500.66
6,795,838,900.57
INTEREST RECEIVABLE
In Investment
In Loans and Advances
93,009,863.60
3,245,735.00
TOTAL
BILLS RECEIVABLE
PREMISES LESS DEPRECIATION
FURNITURE AND FIXTURES LESS DEPRECIATION
96,255,598.60
6,592,255.64
81,426,088.96
4,446,990.00
85,873,078.96
6,319,814.75
4,293,584.33
4,365,171.71
36,466,229.74
36,257,430.15
1,488,185.22
1,471,370.34
27,943,780.00
7,956.00
2,634,460.49
86,147.14
339,926.00
8,503.28
9,157.00
48,825,630.98
7,956.00
496,829.49
11,000.00
344,426.00
6,022.28
OTHER ASSETS
Stationery in Stock
157.00
32,518,115.13
51,163,392.09
12,000,000,000.00
12,000,000,000.00
10,000,000,000.00
CONTINGENT ASSETS
Guarantee Issued
127,139,296.00
69,817,735.00
8,000,000,000.00
6,000,000,000.00
4,000,000,000.00
12,000,000,000.00
10,000,000,000.00
2,000,000,000.00
8,000,000,000.00
Net worth
6,000,000,000.00
Total Funds
4,000,000,000.00
TOTAL
8,526,217,188.42
2010
11,113,745,650.01
2,000,000,000.00
2010
2011
Return on Assets
1.02
1
0.98
0.96
Return on Assets
0.94
0.92
0.9
0.88
2010
Proprietory Ratio
2011
10
9.5
9
Proprietory Ratio
8.5
8
7.5
2010
2011
2011
Return on Assets
368,538,493.36
46,076,978.28
208,606.00
9,550,507.91
3,230.00
1,865,332.83
308,128.00
10,687,791.04
1,799,617.95
66,938,299.77
6,624,092.46
78,144,260.62
590,745,338.22
419,399,191.37
56,277,172.01
270,641.00
12,497,160.78
94,700.00
1,120,018.01
406,845.00
20,017,630.66
1,960,981.30
103,816,263.21
2,962,815.05
111,952,521.55
730,775,939.94