Annual Report 2009

Comapny Information
Company Information
BOARD OF DIRECTORS
Mr. Shayne Nelson
Mr. Badar Kazmi
Chairman Chief Executive
Mr. Andrew
Officer James Hardacre
Mr. Mahendra Gursahani
Mr. Najam I.
Mr. Shahid Zaki
Chaudhri
Mr. Parvez
Ghias
COMPANY SECRETARY
Mr. Rahim
Panjwani
AUDIT COMMITTEE OF THE BOARD
Mr. Najam I. Chaudhri
Mr. Shahid Zaki
Chairman
Mr. Andrew James Hardacre
Member
Member
AUDITORS
M/s KPMG Taseer Hadi &
Chartered
Co Accountants
LEGAL ADVISORS
Haidermota &
Barristers
Co at Law & Corporate Counsellors
REGISTERED OFFICE
Standard Chartered Bank (Pakistan) Limited
P.O. Box No. 5556, I.I. Chundrigar
Karachi 74000 Pakistan
Road
Tel: (021) 32450000
Fax: (021) 32414914
MAIN OFFICE
P.O. Box No. 5556, I.I. Chundrigar
Karachi 74000 Pakistan
Road
Tel: (021) 32450000
Fax:(021) 32414914
WEBSITE
www.standardchartered.com.pk
REGISTRAR AND SHARE TRANSFER OFFICE

M/s T H K Associates (Pvt.)
Ground
Limited Floor, State Life Building No.3
Dr. Ziauddin Ahmad Road, Karachi
Tel : (021) 111-000-322
Fax : (021) 35655595
Table of Contents
Page
Notice of Annual General Meeting 03
Directors’ Report 05
Management’s Statements on Internal Controls and Risk Management Framework

10
Report of Shariah Advisor 14
Auditors’ Report on Statement of Compliance with the Code of Corporate Gover nance
16
Statement of Compliance with the Code of Corporate Governance
17
Auditors’ Report to the Members 21
Un-Consolidated Financial Statements

22
Auditors’ Report to the Members on Consolidated Financial Statements
105
Consolidated Financial Statements 106
Pattern of Shareholding 188
Form of Proxy
02 SCBP Annual Report 2009

Notice of Annual General Meeting
Notice is hereby given that the Fourth Annual General Meeting of the shareholders of Standard Chartered
Bank (Pakistan) Limited (“Bank”) will be held on Tuesday, March 30, 2010 at 3.00 PM at Moosa G. Desai
Auditorium, The Institute of Chartered Accountants of Pakistan ICAP House, Block 8, Clifton, Karachi, to
transact the following business:
A. ORDINARY BUSINESS
1. To confirm the minutes of 3rd Annual General Meeting held on March 30,
2009.
2. To receive, consider and adopt the Audited Accounts of the Bank and consolidated accounts of
the Bank and its subsidiaries for the year ended December 31, 2009 a long with the Directors' and
Auditors' Reports thereon.
3. To consider the appointment of external auditors namely M/s KPMG Taseer Hadi & Co.
Chartered
Accountants and to authorize the Chief Executive Of ficer and Chief Financial Of ficer to fix their
remuneration. M/s KPMG Taseer Hadi & Co. Chartered Accountants, being eligible, have of fered
themselves for re-appointment.
B. SPECIAL
BUSINESS
4. To grant appr oval to the r emuneration paid to the Dir ectors in accordance with the
Articles Association
of of the Bank and in that connection to pass the following resolution, as ordinary resolution,
with or without modification, addition or deletion:
“RESOLVED that the decision of the Board of Directors of Standard Chartered Bank (Pakistan) Limited
to pay a fee of Rs.3,225,000/- during the year ended December 31, 2009 to the non-executive
members of the Board, in terms of their discretion under the Articles of Association of the Bank, be
and is hereby confirmed and approved by the shareholders.”
A statement of material facts under section 160 (1) (b) of the C ompanies Ordinance, 1984 relating
to the aforesaid special business to be transacted in the said Annual General Meeting is appended
below.
C. OTHER
BUSINESS
5. To transact any other business as may be placed before the meeting with the permission of the
chair.
By Order of the Board
Rahim Panjwani
Company Secretary
Karachi: March 4, 2010
www.standardchartered.com.pk 03
Notice of Annual General Meeting
Notes:
1. The Share Transfer Books of the Bank will remain closed from March 24, 2010 to March 30,
2010 (both days inclusive).
2. A member entitled to attend and vote at the above meeting is entitled to appoint another
memberas his / her pr oxy to attend and vote instead of him / her . Proxies, in order to be valid, must be
received by the Bank at its registered office marked for the attention of the office of the Company
Secretary, not less than forty-eight hours before the time for holding the meeting and must be duly
stamped, signed and witnessed. A member shall not be entitled t o appoint more than one proxy.
3. Members are requested to notify change in their address, if any, to the Share Registrars, M/s.
THK Associates (Pvt.) Limited, Ground Floor, State Life Building -3, Dr. Ziauddin Ahmed Road, Karachi-
75530.
4. A. For attending the

Meeting:
i) In case of individuals, the account holder or sub-account holder and/or the person
whose securities are in group account and their registration details are uploaded as per the Regulations,
shall authenticate his identity by showing his original Computer ized National Identity Card
(CNIC) or original passport at the time of attending the Meeting.
ii) In case of corporate entity, the Board of Directors' resolution / power of attorney with
specimen
signature of the nominee shall be produced (unless it has been provided earlier) at the time
of the Meeting.
B. For Appointing
Proxies:
i) In case of individuals, the account holder or sub-account holder and / or the person
whose securities are in group account and their registration details are uploaded as per the Regulations,
shall submit the proxy form as per the above requirement.
ii) The proxy form shall be witnessed by two persons whose names, addr esses and
CNIC numbers shall be mentioned on the form.
iii) Attested copies of CNIC or the passport of the beneficial owners and the pr oxy
shall be furnished with the proxy form.
iv) The proxy shall produce his original CNIC or original passport at the time of the
Meeting.
v) In case of corporate entity, the Board of Directors' resolution / power of attorney with
specimen
signature shall be submitted ((unless it has been pr ovided earlier) along with proxy form to
the Bank.
Statement under section 160(1) (b)
The meeting fee payable to the non-executive members of the Boar d was approved by the Board
of Directors in terms of Article 60 of the Articles of Association of the Bank. This meeting fee requires
approval of the shareholders in Annual General Meeting in terms of paragraph C-2 of Regulation G-
1 of prudential regulations for Corporate / Commercial Banking issued by the State Bank of Pakistan.
The non-executive members of the Boar d are interested in the payment of fees and r emaining
members of the Board have no interest in the matter.

Directors’
Report
On behalf of the Boar d of Directors, I am pleased to Fiscal reforms, including the removal of power subsidies
present the Directors' Report of Standar d Chartered and the introduction of VAT, are expected to increase
Bank (Pakistan) Limited (SCBPL) along with the audited the government's fiscal room by nearly 3% of GDP (USD
financial statements and auditors' report thereon for the 5.3 billion) in the FY 2011 budget. This will not only limit
year ended 31 December 2009. the build-up of public debt, but will also pr ovide the
government with valuable r esources to incr ease
Economy investment spending. Power sector reforms will bring
2,200 MW of additional power online in 2010, ending
FY 2009 ended on a positive note for Pakistan. The the debilitating power crisis that has hit manufacturing
recovery, albeit slow, is gaining momentum and is built output and paralyzed economic activity. GDP growth is
on strong fundamentals. Pakistan entered a USD 11.3 expected to accelerate to 4% y/y in FY 2011 from 2.5%
billion IMF Stand-By Arrangement (SBA) in November in the current fiscal year. However, the recovery faces
2008, when it faced a balance-of-payments crisis after strong headwinds from the uncertain political and security
official FX reserves dwindled to USD 6 billion (0.8 months environment. Inflationary pressures have also resurfaced
of import cover) and the Pakistani rupee (PKR) lost 28% and will force the State Bank of Pakistan to maintain a
of its value in FY 2008. Since then, policy makers have tight monetary stance, keeping the recovery weak in the
undertaken difficult and unpopular reforms, including near term.
reducing power subsidies, raising taxes and maintaining
tight monetary policy to r educe the large fiscal and Operating Results and Business Overview
external deficits. The successful implementation of these
measures has helped to tackle inflation, build up the FX December 31, December
reserves and restore investor confidence. FX reserves 31, 2009
have strengthened to USD 15 billion by the end of FY (PKR2008
millions) (PKR
2009 (from USD 6.6 billion in FY 2008), helping to stabilize Balance Sheet millions)
the PKR, which depr eciated by 6% in FY 2009 after
weakening by 28% in FY 2008. The stable currency has Paid-up capital 38,716
helped to bring down inflation, which slowed down to 38,716
Total equity 47,746
10.5% y/y in December 2009 from 23.3% in December 42,757
Deposits 206,958
2008. This gave State Bank of Pakistan room to cut the Advances174,552
- gross 141,230
policy rate by 250 bps to 12.5% by end of FY 2009. Advances137,716
- net 124,447
Manufacturing output has also picked up, rising by 2.6% 125,601
Investments - net 83,785
y/y in Q4 2009 after declining by 7% in the first thr ee 29,587
quarters of 2009. FY 2009 FY 2008
(PKR millions) (PKR
Profit and Loss millions)
The IMF Board endorsed the gover nment's progress in
implementing key fiscal and exchange rate r eforms,
releasing USD 1.2 billion after a successful thir d IMF Revenue 23,167
staff review. The reforms aim to address the most severe 23,030
Non mark-up expenses 12,483
12,621
Operating profit
constraints on economic growth, including a debilitating
power crisis and limited government resources due to (before provisions and tax) 10,684
10,409
Provisions (net of recoveries) 9,418
low tax collection. The focus is on creating fiscal room
for the gover nment to increase investment spending to 9,316
Profit before tax
1,266 1,093
Profit after tax 669
support growth. The measures are also expected to limit
the accumulation of public debt, which incr eased to 630
nearly USD 100 billion (56.8% of GDP) by 30 June 2009 The slowdown in economic activity continued to pose
from USD 78 billion (54.1% of GDP) in FY 2007. difficulties for the banking industry in terms of pressure
Encouraged by the reforms, the World Bank has also on margins and deteriorating asset quality. The Bank
pledged USD 6.5 billion in soft loans to Pakistan over however continues to be responsive to the situation at
the FY 2010 - 2013 period. hand and has realigned its business strategy keeping in
view the best interests of its stakeholders. Accordingly,
the key decisions in FY 2009 wer e to continue with
Directors’
Report
aggressive mobilisation of deposits and selective growth provisioning policies, we continue to maintain adequate
in lending assets. In this regard, the Bank has successfully provisions against our non performing loans with an
enhanced its deposit base from PKR 174 billion to PKR overall loss coverage ratio of 78%, being one of the
206 billion representing an 18% growth, being amongst highest in the local banking industry. Moreover, with a
the highest in the industry. This has been a direct result robust collection and recovery infrastructure in place,
of our customer centric appr oach, enhanced brand supplemented with an experienced and str ong team,
positioning and expanded footprint. This has not only we anticipate future recoveries against our impair ed
improved our market share, but has also strengthened portfolio, which will further augment our profitability in
our customer base which cr eates future business the forthcoming years.
prospects to cross sell our product suite. The surplus
liquidity generated thr ough deposit mobilisation is We are confident that the Bank will continue to forge its
primarily invested in risk-free government securities, way ahead through difficult times, with enhanced focus
thereby maintaining a high level of liquidity along with on high quality customer service, strong recovery and
positioning the book for any inter est rate shift. collection infrastructure, robust risk management policies
and a unique flair for community services. W e believe
Despite the Bank's conservative stance towar ds high that focus on these areas underpins our position in the
yield consumer lending, the Bank's gross interest income market as 'one of the best' and the only 'truly locally
grew by 14% from PKR 23,307 million in FY 2008 to embedded' inter national bank.
26,653 million in FY 2009. This can be attributed to the
healthy growth of 37% in Wholesale Bank interest based Dividen
revenues in line with the gr owth of 17% in corporate d
advances from PKR 86 billion to PKR 101 billion, and No dividend is proposed to be declared. Profits are being
the growth in investments which mor e than doubled retained keeping in view the increased capital adequacy
from PKR 30 billion to PKR 84 billion. However, overall ratio requirements and for supporting the planned
net interest income is marginally down by 1% owing to business growth in FY 2010.
the rise in cost of deposits, which can be mainly attributed
to a minimum rate requirement of 5% on savings deposits External Annual
stipulated by the State Bank of Pakistan in June 2008. Audit
Non interest income continues to make a healthy The financial statements of SCBPL have been audited
contribution to the overall revenue of the Bank with a without any qualification by the auditors of the Bank,
4% growth over last year. namely M/s KPMG T aseer Hadi & Co., Charter ed
Accountants.
The Bank has successfully managed to contr ol costs
through rationalisation of its staf fing requirements and Credit Rating
realignment of its branches, while also meeting the
investment that was necessary to implement the current Pakistan Credit Rating Agency (PACRA) has maintained
strategies. As a result, overall cost has reduced by 1% the Bank's long-term and short-term ratings of “AAA”
despite persistently high levels of inflation. W e will (Triple A) and “A1+” (A One Plus) respectively in 2009.
continue to endeavour to rationalise costs and achieve The Bank's outstanding two listed subordinated TFCs
economies of scale, wher ever possible, thr ough have also been assigned “AAA” rating. These ratings
established rigorous controls and ef ficient business denote the lowest expectation of credit risk emanating
processes. from an exceptionally strong capacity for timely payment
of financial commitments.
Loan losses remain a critical concern for the local banking
industry, especially in the consumer and textile sectors. Sustainabilit
The Bank's profitability has also been af fected by the y
hike in non performing loans in these sectors, with our The Bank's efforts in 'Education-for-the-less-privileged'
non performing loan ratio moving up from 12% to 15%. and 'Preventable Blindness' underscor e one of our
However, owing to the application of our stringent group strategic mainstays i.e. giving back to the community

Directors’
Report
we operate in. The numbers testify to our ef forts here. FY 2009 FY 2008
Under 'Education' we operate across the spectrum: on (PKR millions) (PKR
one end, we have committed mor e than 1,600 Profit and Loss millions)
scholarships to deserving students across Pakistan while
on the other extreme, we are one of the major contributors Revenue 23,441
to the endowment fund of Pakistan's premiere business 23,238
Non mark-up expenses 12,594
education institution, Institute of Business Administration 12,728 profit
Operating
(IBA). Under our 'Seeing is Believing' program, the Bank's (before provisions and tax) 10,847
contributions have been vast: over the last few years, 10,510
Provisions (net of recoveries) 9,448
200,000 cataract operations have been performed 9,368 before tax
Profit
through our contributions, the Bank has hir ed fifteen 1,399 1,142
Profit after tax 796
blind graduates as Telesales officers of the Bank - an 676
industry first and, working with the Ministry of Health, Corporate Governance
we have sponsored the training of mor e than 20,000
lady health workers who will impact some two million As required by the Code of Corporate Governance (the
individuals downstream on all matters r elating to Code), a prescribed statement by the Board, along with
preventable blindness. As a recognition, the Bank is the Auditors' Review Report ther eon, forms part of this
only corporate partner for National Program for Prevention Annual Report.
and Control of Blindness, nominated by the Ministry of
Health, Government of Pakistan. The directors are pleased to give the following statement
as required by clause (xix) of the Code:
Performance of the Group
• The financial statements pr esent fairly the
In compliance with section 236(5) of the Companies Bank's
state of affairs, results of its operations, cash flows
Ordinance, 1984, attached with this r eport are the and changes in equity.
consolidated financial statements of SCBPL and its
subsidiaries (the Gr oup) namely Standard Chartered • Proper books of accounts of the Bank
Leasing Limited, Standard Chartered Services of Pakistan havemaintained.
been
(Private) Limited and Standard Chartered Modarba, for
the year ended December 31, 2009. • Appropriate accounting policies
haveconsistently
been applied in the preparation of financial
Operating Results statements except for the changes described in note
2.6 to the financial statements, and accounting
December 31, December estimates are based on r easonable and prudent
31, 2009 judgment.
(PKR2008
millions) (PKR
Balance Sheet millions) • The International Financial Reporting
Standards and Accounting Standards as applicable in
International
Paid-up capital 38,716 Pakistan have been followed in the pr eparation of
38,716
Total equity 48,699 financial statements.
43,647
Deposits 206,916
174,511
Advances - gross 146,632 • The system of internal control is sound in
141,402
Advances - net 129,460 design and
has been ef fectively implemented and monitored.
128,992
28,938 • There is no doubt upon the Bank's ability to
continue
as a going concern.
Directors’
Report
• There has been no material departure from the best practices of corporate governance, as detailed in the
listing
regulations.
• Summarized key operating and financial data is tabulated in this Annual

Report.
• Details of Board meetings held and attended by the directors form part of this
report.
• All the statutory liabilities, if any, have been adequately disclosed in the financial
statements.
Statements on Internal Controls and Risk Management Framework
The management of SCBPL is responsible for establishing and maintaining a system of adequate internal controls
and procedures. Management's statements on Internal Controls and Risk Management Framework form part of
this Annual Report.
Directors' Meetings
Five (5) meetings of the Board of Directors of SCPBL were held during the year. Attendance by each director was
as follows:
S No Name Total no. of

held during meeting(s)
No. of the
tenor in the year attended *
meeting(s)
1 Shayne Nelson,
2Chairman Badar 5Kazmi,3 Chief Executive
3Officer 5Shahid5 Zaki, 5
Director
4 Najam I. Chaudhri,
Director
5 5
John Brian 5 Director (resigned in June
Small, 5
2009)
6 2 Andrew0 James Hardacre,
Director
7 Parvez Ghias,3
5 5
Director
8 Mahendra Gursahani, Director (appointed in August
2009) 3 3 4
* Leave of absence was granted to the Directors who could not attend some of the meetings.
The following changes have taken place in the Boar d of Directors since the Directors' report for the year ended
December 31, 2008:
• Mr. John Brian Small resigned from the

Board;
• and
Mr. Mahendra Gursahani was co-opted as a director on the
Board.
The Board wishes to place on record its appreciation for the valuable contributions made by the outgoing director
and extend a warm welcome and cooperation to the newly appointed director in performing his fiduciary responsibility.

Directors’
Report
Statement of investments of Provident, Gratuity and Pension

Funds
Value of investments including accrued income of provident and gratuity funds as at December 31, 2009 on the
basis of un-audited accounts is:
PKR '000
Provident Fund 1,213,377
Management Staff Gratuity Fund 678,802
Non- Management Staff Gratuity Fund 43,201
Management Staff Pension Fund 45,431
Non- Management Staff Pension Fund 70,295
Pattern of Shareholding
The pattern of shareholding as required under section 236(2)(d) of the Companies Ordinance, 1984, and Clause
(XIX) of the Code of Corporate Gover nance forms part of this Annual Report. At December 31, 2009, Standar d
Chartered Bank, UK (holding company) held 98.99% shares of SCBPL.
External Auditors
The audit committee has suggested the name of M/s KPMG Taseer Hadi & Co., Chartered Accountants as external
auditors of the Bank for the next term. The Board of Directors, on the suggestion of Audit Committee recommended
the name of retiring auditors M/s KPMG Taseer Hadi & Co., Chartered Accountants as external auditors for the
next term. The r etiring auditors, being eligible, of fer themselves for re-appointment in the forthcoming Annual
General Meeting.
Appreciation and
Acknowledgment
We take this opportunity to expr ess our gratitude to our customers and business partners for their continued
support and trust. We offer sincere appreciation to the State Bank of Pakistan for their guidance and cooperation
extended to the Bank. Finally, we are also thankful to our associates, staf f and colleagues for their committed
services provided to our valued customers.
On behalf of the Board
Badar Kazmi
Chief Executive
Management’s Statements on Internal Controls

and Risk Management Framework
The following statements ar e made by the management to meet the r equirements of the State Bank of
Pakistan (SBP) BSD Circular letter #2 of 2005 and BSD Circular letter # 3 of 2005.
Internal Controls
Management of Standard Chartered Bank (Pakistan) Limited (the Bank) is responsible for establishing and
maintaining a sound system of internal controls aimed at achieving the following objectives of the Bank:
• Efficiency and effectiveness of

operations
• Compliance with applicable laws and
regulations
• Reliability of financial
reporting
1. The Management has adopted different strategies to ensure effective monitoring and
improvement
of internal controls. These include Internal Audit and Assurance and Operational Risk Management
& Assurance Framework (ORMAF) in which assurance responsibilities are divided into three lines of
defense i.e. first being the business function, second is the Operational Risk Assurance and support
from Group Internal Audit is the third line of defense.
2. The policies and procedures in all significant areas and as per the directives of the regulators
have been duly approved by the Board.
3. An organization structure has been established which supports clear lines of communication
and tiered levels of authority with accountability.
4. The Bank has an effective Internal Audit & Assurance Department, which reports directly to the
Audit Committee of the Board. The department periodically carries out r eviews of branches and Head
Office departments / units to monitor the compliance of Bank's policies and procedures based on
a plan which is appr oved by the Audit Committee. The Bank is also in the pr ocess of further
strengthening its Inter nal Audit function by performing more detailed risk-based audits of its overall
operations. The process involves alignment of Internal Audit framework, responsibilities and tools
with the inter national best practices, resulting in more proactive role of Inter nal Audit in timely
identification, reporting and monitoring of controls.
5. Internal control policies, tools and reporting structures have been enhanced to provide greater
clarity over roles and responsibilities. Relevant training materials have also been updated and deployment
is underway.
6. Management gives due consideration to the recommendations made by the internal and
external auditors for improvements in the internal control system and take timely action to implement such
recommendations.
7. The management has in place evaluation and approval procedures for major capital expenditure
and other transactions.
8. There is an annual budgeting and strategic planning process. Financial forecasts are reviewed
during the year on a periodic basis to reflect significant changes in business environment. Regular reporting
and monitoring of financial performance of the departments and the Bank as a whole, using operating
statistics and monthly management accounts which highlight key performance indicators and variance
from budgets and forecasts, is in place.
9. Review and implementation of health, safety, environment and contingency management

processes
and other significant policies ar e carried out and r eporting mechanism is in place.


10. SCBPL is also in the process of adopting an internationally accepted COSO (Committee of
Sponsoring
Organization of the Treadway Commission) Internal Controls- Integrated Framework and available
best international practices in relation to Internal Controls over Financial Reporting (ICFR) with the
assistance of a reputable advisory firm for the implementation of SBP guidelines on Internal Controls.
The Bank has devised a well defined and comprehensive Internal Control Program along the lines
of staged r oadmap, as suggested by SBP . Accordingly, the Bank has completed a detailed
documentation of the existing processes and controls, together with a comprehensive gap analysis
of the control design. The bank is currently in the process of developing and implementing remediation
plans for the gaps. In addition, comprehensive management testing plans and related framework are
being developed for ensuring on-going operating effectiveness of key controls. Simultaneously, the
Bank has completed the remediation process for some of the gaps and is working on closure of the
remaining gaps. SCBPL expects to complete various stages of its Inter nal Control Program and
achieve external auditors' certification on ICFR by 2010, as per the related regulatory requirements.
Risk Management Framework
The Bank in an effort to fully implement guidelines issued by State Bank of Pakistan (SBP) on risk management
throughout the Bank, embarked on integrating enterprise wide risk management, which brings together
various types of risks being faced by the entire organization under one umbrella. Through the risk management
framework the Bank seeks to manage ef ficiently the core risks: credit, market, country and liquidity risk.
These arise directly through the Bank's commer cial activities, whilst compliance and r egulatory risk,
operational risk and r eputational risks ar e normal consequences of any business undertaking.
The basic principles of risk management followed by the Bank include:
• Balancing risk and reward: risk is taken in support of the requirements of the Bank's
stakeholders,
Bank's strategy and within its risk appetite.
• Role & Responsibility: given the Bank is in the business of taking risk, it is everyone's
responsibility
to ensure that risk taking is both disciplined and focused. The Bank takes account of its social,
environmental and ethical responsibilities in taking risk to produce a return.
• Accountability: risk is taken only within agreed authorities and where there is appropriate
infrastructure
and resource. All risk taking must be transparent, controlled and reported.
• Anticipation: the Bank looks to anticipate futur e risks and to maximize awar eness of
all
• risk. Risk management: the Bank aims to adopt international best practices and draws upon the
experienceof the parent company. Under the guidance of Group Risk Function, locally we have a specialist risk
function, with strength and depth, experience across risk types and economic scenarios.
Elements of risk management system under the risk management framework of the Bank are the Board of
Directors, executive committee, various risk committees, the senior management, business units, risk
management unit, compliance unit and inter nal audit unit. The ultimate r esponsibility for the ef fective
management of risk, approval of risk strategy and risk policies r ests with the Company's Board. Acting
within an authority delegated by the Board, the executive committee reviews specific risk areas and monitors
the activities of various risk committees. Risk committees are responsible for overseeing the risk management
strategy and functioning. The senior management who are also the risk type owners are responsible for day
to day risk management and for recommending risk strategy and risk policies. Business units (usually front
offices) are responsible for compliance with policies, procedures and limits. Risk Management Unit (middle
office) headed by Chief Risk Officer who is independent of the business and is responsible for day to day
risk management such as establishing risk appetite, risk measur ement and assessment, limit monitoring
and reporting, portfolio management and stress testing, and documentation and risk controls. Compliance
unit is responsible for ensuring internal, legal and regulatory compliance, and the Audit unit is responsible
for independent risk assurance.

Following are the important factors of the risk management function within the Bank.
Credit Risk
Credit risk is the risk that a counterparty will not settle its obligation in accordance with agreed terms. Credit
exposures include both individual borrowers and groups of connected counterparties and portfolios in the
banking and trading books.
Procedures for managing credit risk are determined by risk function and businesses jointly under the guidance
from the parent company and under delegation by the Board. Risk is co-located along side the businesses
to maximize the ef ficiency of decision making, but they have a r eporting line which is independent and
separate from the business lines in to the Chief Risk Officer. The businesses working with risk take responsibility
for managing pricing for risk, portfolio diversification, and overall quality of assets in compliance with Bank
policies, business strategy and underwriting standards.
Within Wholesale Banking business, a numerical risk grading system is used for quantifying the risk associated
with a counterparty. The grading is based on a probability of default measure, with the customers analyzed
against a range of quantitative and qualitative measures. Expected Loss is used for the further assessment
of individual exposures and portfolio analysis. There is a clear segregation of duties with loan applications
being prepared separate from the approval chain. Significant exposures beyond delegated credit discretions
are reviewed and approved centrally by credit committee under expert advice of the Group. The monitoring
of credit is through yet another independent credit risk control function.
For Consumer Banking (including SME), standard credit application forms are used and credit decisions
are parameter driven, which are processed in central units strictly as per product programs. Middle enterprise
of Consumer Bank business operates like WB and as with Wholesale Banking, origination and approval
roles are segregated.
Market Risk
The Bank recognizes market risk as the exposure created by potential changes in market prices and rates.
The Bank is exposed to market risk arising principally fr om customer driven transactions. Market risk is
managed by a Market risk function (middle of fice), which is independent of the Treasury (front office) and
reports in to the Chief Risk Officer and operates under an oversight and guidance on policy setting by the
Group. Limits are established within delegated authorities from the Board and the unit monitors exposures
against these limits.
The Bank uses historic simulation to measure VaR on all market risk related activities. VaR models are back
tested against actual results to ensure pre-determined levels of accuracy are maintained. Market risk function
complements the VaR measurement by regularly stress testing market risk exposures to highlight potential
risks that may arise from extreme market events that are rare but plausible.
Liquidity
Risk
The Bank defines liquidity risk as the risk that the Bank either does not have sufficient financial resources
available to meet all its obligations and commitments as they fall due, or can access them only at excessive
cost. It is the policy of the Bank to maintain adequate liquidity at all times and for all currencies. Hence the
Bank aims to be in a position to meet all obligations, to repay depositors, to fulfill commitments to lend and
to meet any other commitments.
Liquidity risk management is governed by ALCO, which is chaired by the Chief Executive Officer. ALCO is
responsible for both statutory and prudential liquidity . These responsibilities are managed through the
provision of authorities, policies and pr ocedures agreed under delegated authority from the Board, and
coordinated by the ALCO.


Operational Risk
Operational risk is the risk of direct or indirect loss due to an event or action r esulting from the failure of
internal processes, people and systems, or fr om external events. The Bank seeks to ensur e that key
operational risks are managed in a timely and effective manner through a framework of policies, procedures
and tools to identify, assess, monitor, control and report such risks.
New changes in our Operational Risk Framework are made effective from 1st of January 2010. Fundamental
to the design of changes applicable to Operational Risk Framework is the principle that businesses and
functions are responsible for the identification and management of the operational risks that result from their
activities and that the Risk Function controls the level of operational risk exposure, ensuring that it remains
within acceptable limits. Thus Operational Risk is now part of the Risk Management function, and Operational
Risk Officers report independently to Chief Risk Officer of the Bank.
The Operational Risk Committee has been established as a sub-committee of the Risk Committee to
supervise and direct the management of operational risks acr oss the Bank. ORC is also r esponsible for
ensuring adequate and appropriate policies and procedures are in place for the identification, assessment,
monitoring, control and reporting of operational risks.
Compliance and Regulatory Risk
Compliance and Regulatory risk includes the risk of non-complian ce with regulatory requirements. The
Compliance and Regulatory risk function is r esponsible for establishing and maintaining an appr opriate
framework of compliance policies and procedures. Compliance with such policies and procedures is the
responsibility of all managers.
Legal Risk
Legal risk is the risk of unexpected loss, including r eputational loss, arising from defective transaction or
contracts, claims being made or some other event resulting in a liability or other loss for the Bank, failure
to protect the title to and ability to control the rights to assets of the Bank (including intellectual property
rights), changes in the law or jurisdiction risk. The Bank manag es legal risk through Legal & Compliance
function, Legal risk policies and pr ocedures and ef fective use of its inter nal and exter nal lawyers.
Reputational Risk
Reputational risk is any material adverse effect on the relations between the Bank and any one of its significant
stakeholders. It is Bank policy that the pr otection of the Bank's r eputation should take priority over all
activities including revenue generation at all times.
Reputational risk is not a primary risk, but will arise fr om the failure to effectively mitigate one or more of
country, credit, liquidity, market, legal, regulatory and operational risk. It may also arise from the failure to
comply with Social, Environmental and Ethical standards. All staff are responsible for day to day identification
and management of reputational risk.
By order of the Board
Badar Kazmi
Chief Executive Officer
Report of SCBPL Shariah Advisor

For the year ended 31 December 2009
The year under r eview was the sixth year of Islamic commer cial banking for Standard Chartered Bank
(Pakistan) Limited (SCBPL) through the Saadiq platform. During this year the bank developed a variety of
new products and arranged a number of transactions after due appr oval from the Shariah Advisor .
Business Review
At the close of the year ended December 31, 2009 the bank had total financing assets of Rs. 8,274 Million.
The breakup of these assets in different modes of Islamic finance is as follows:
Islamic Financing and Investment 2009
Sukuks Auto (Dim Mush)

22% 8%
Export Finance
(Musawamah) Home
1% (Dim Mush)
24%
Islamic Export
Refinanceing Cards (Qard)
Murabaha 1%
1%
ST Finance Term Finance

(Murabaha) (Dim Mush)
14% 29%
I am pleased to note that a significant percentage of the assets (61%) has been financed using the Diminishing
Musharakah mode while Murabaha transactions represented 15% of the portfolio.
During the year under discussion SCBPL closed a notable transaction by issuing Sukuk for Pakistan
International Airline. The transaction was closed in conjunction with other banks in the market including
Meezan Bank, National Bank of Pakistan, United Bank Limited and Habib Bank Pakistan Limited.
Shariah Review
During the year under discussion, a Shariah Review was carried out on a sampling basis to check each
class of transaction and the overall Shariah compliance of the bank's operation and their alignment with
the stipulated Shariah guidelines.
Following areas were checked during the audit:

• Standard Agreements for Murabaha, and Diminishing
Musharakah
• Declarations, description of Assets, relevant purchases Invoices, sequence and order of the
documents
and time difference between purchases and declaration in Murabaha.
• Ownership ratio of the Bank and Customer and recovery of payments on account of rent and
purchaseof bank's share in Diminishing Musharakah transactions.
• Import Finance transactions and related
documentation.
• The allocation of funds, weightages, pr ofit sharing ratios, profits and losses relating to
Mudarabaaccounts.
• Other r elated documents and pr ocedures followed by dif ferent functional
ar eas.

Report of SCBPL Shariah Advisor

Certain areas of improvement were noted and necessary recommendations and corrective measures were
advised accordingly. An action plan was agreed for the implementation of suggested changes and all issues
identified were duly addresses by management.
Subject to the aforesaid, the affairs of SCBPL were found to have been carried out in accordance with the
rules and principles of Shariah including Fatawas of the Shariah Advisor and SBP regulations and guidelines
related to Shariah compliance.
Late Payment Charity

During the year an amount of appr oximately Rs 1.558 million was transferred to the charity account and
the same amount was disbursed after due approval of the Shariah Advisor.
Training
SCBPL Saadiq team provides continuous training to all stakeholders. During the year under review a total
of 20 sessions were held including Shariah specific and product related trainings. This includes an Islamic
Banking certification program which was rolled out in 2009 for all sales and support staf f for wholesale
banking products. I have recommended to the management to maintain continuous emphasis on training
as it is an essential ingredient to ensure Shariah compliance of Saadiq products.
Branch Conversion
SCB Pakistan in order to extend reach of its Islamic banking services to its customers has converted two
of its conventional branches to Islamic banking in the North r egion. These two branches are located in
Hayatabad and Mardan, as per the branch conversion pr ocess approved by SBP and Shariah Advisor.
May Allah Subhanah wa Ta'ala accept our endeavors and grant us Ikhlas to fulfill our responsibility towards
Islamic banking which is very mingled between service of deen and service for ourselves. O Allah, make
what is lawful enough for us, as opposed to what is unlawful, and spare us by Your grace the need of others
O Allah show us the right path (Haq) and give us taufeeq to follow it and also show us devil's path (batil)
and give us the taufeeq to avoid it.
Muhammad Abdul
Mubeen
Shariah Advisor
Standard Chartered Bank (Pakistan) Ltd.
Review Report to the Members on Statement of
Compliance with Best Practices of Code of Corporate
Governance
We have reviewed the Statement of Compliance with the Best Practices contained in the Code of Corporate
Governance prepared by the Board of Directors of Standard Chartered Bank (Pakistan) Limited to comply
with listing regulations of the Karachi, Lahore and Islamabad Stock Exchanges wher e the Bank is listed.
The responsibility for compliance with the Code of Corporate Governance is that of the Board of Directors
of the Bank. Our responsibility is to review, to the extent where such compliance can be objectively verified,
whether the Statement of Compliance reflects the status of the Bank's compliance with the provisions of
the Code of Corporate Governance and report if it does not. A review is limited primarily to inquiries of the
Bank personnel and r eview of various documents pr epared by the Bank to comply with the Code.
As part of our audit of financial statements we are required to obtain an understanding of the accounting
and internal control systems sufficient to plan the audit and develop an effective audit approach. We have
not carried out any special review of the internal control system to enable us to express an opinion as to
whether the Board's statement on internal control covers all controls and the effectiveness of such internal
controls.
Further sub-regulation (xiii)(a) of Listing Regulations 35 notified by the Karachi Stock Exchange (Guarantee)
Limited vide circular no. KSE/N-269 dated 19 January 2009 requires the Company to place before the Board
of Directors for their consideration and approval related party transactions distinguishing between transactions
carried out on terms equivalent to those that prevail in arm's length transactions and transactions which
are not executed at arm's length price recording proper justification for using such alternate pricing mechanism.
Further, all such transactions are also required to be separately placed before the audit committee. We are
only required and have ensur ed compliance of r equirement to the extent of appr oval of related party
transactions by the board of directors and placement of such transactions before the audit committee. We
have not carried out any procedures to determine whether the related party transactions were undertaken
at arm's length price or not.
Based on our review, nothing has come to our attention which causes us to believe that the Statement of
Compliance does not appropriately reflect the Bank's Compliance, in all material respects, with the best
practices contained in the Code of Corporate Governance as applicable to the Bank for the year ended 31
December 2009.
Date: March 04, 2010 KPMG Taseer Hadi & Co.

Karachi Chartered Accountants
Syed Iftikhar Anjum

Statement of Compliance with the Code of

Corporate Governance
The Board of Dir ectors of Standard Chartered Bank (Pakistan) Limited supports and r e-confirms its
commitment to continued support and implementation of the highest standards of Corporate Governance
at all times.
The Securities and Exchange Commission of Pakistan (SECP) vide its letter #2(10)SE/SMD/202 dated March
28, 2002 has directed all the Stock Exchanges to fully adopt the Code of Corporate Governance (“Code”)
in their listing regulations. In May 2002 the Stock Exchanges have formally incorporated this code in their
listing rules.
The Bank has applied the principles contained in the Code in the following manner:
1. The Bank encourages r epresentation of non-executive (Independent) dir ectors on its Boar
d of Directors. The Board comprises of three independent Non- Executive Directors (INEDs) and four
Executive Directors as approved by State Bank of Pakistan.
2. None of the directors of the Bank is serving as a director in more than ten listed companies,
includingthis Company.
3. All the resident directors of the Bank are registered as taxpayers and none of them has
defaultedin payment of any loan to a banking company , a DFI or an NBFI or , being a member of a stock
exchange, has been declared as a defaulter by that stock exchange.
4. The Bank has prepared a 'Statement of Ethics and Business Practices', which has been
approvedby the Boar d and is signed by all the dir ectors and employees of the Bank.
5. The Board has developed and approved a vision/mission statement. The Board has also
approvedsignificant policies and adopted certain Standar d Chartered Group policies as far as they ar e in
accordance with the local laws and regulations. A complete record of particulars of significant policies
has been maintained.
6. All the powers of the Board have been duly exercised and decisions on material transactions,
includingappointment and determination of remuneration and terms and conditions of employment of the
CEO have been taken by the Board.
7. The meetings of the Board was presided over by the Chairman and, in his absence, by a dir
ector elected by the Board for this purpose.
8. Casual vacancies occurring on the Board during the financial year ended December 31, 2009
were duly filled up by the Directors within 30 days thereof.
9. The Board of Directors have met five times in the year and notices of meetings, agendas and
related papers are always endeavored to be circulated at least seven days before the meeting except in
case where an emergent meeting is to be held. The minutes of the meetings wer e appropriately
recorded and circulated.
10. The Board has approved appointment of CFO, Head of Internal Audit and Company Secretary.
The Board has also approved the remuneration and terms and conditions of employment of the CFO,
Head of Inter nal Audit and Company Secr etary as r ecommended by the CEO.
11. The Board has formed an Audit Committee. The terms of r eference of this Committee have
been approved by the Boar d and advised to the Committee for compliance. Committee also ensur es
independence of the internal audit function and independence and objectivity of the External Auditors..
12. The directors' report for this year has been pr epared in compliance with the requirements of
the Code and fully describes the salient matters required to be disclosed.
13. The financial statements of the Bank were duly endorsed by CEO and CFO before approval of
the Board.
14. The directors, CEO and executives do not hold any interest in the shares of the Bank other than
that disclosed in the pattern of shareholding.
Statement of Compliance with the Code of

Corporate Governance
15. All Directors are provided with an Orientation Pack on their appointment. Induction program for
INEDs was held in August 2008. Two INEDs have attended “The Board Development Series (BDS)” program
offered by Pakistan Institute of Corporate Governance (PICG) whereas one INED is already a faculty
member of PICG. Remaining Dir ectors will acquir e BDS certification in due course of time.
16. The Bank has complied with all the corporate and financial reporting
requirements.
17. The Audit Committee of the Board comprises of 3 members. Two Directors including the
Chairmanare INEDs and the other one is an Executive Director.
18. The meetings of the Audit committee are held at least once every quarter prior to approval of
interim and final results of the Company and as required by the Code.
19. The Board has set up an ef fective internal control (Audit & Assurance) department. The Inter
nal Control Department r eports dir ectly to the Chairman of the Boar d Audit Committee.
20. The statutory auditors of the Bank have confirmed that they have been given a satisfactory
rating under the quality control review programme of the Institute of Chartered Accountants of Pakistan,
that they or any of the partners of the firm, their spouses and minor children do not hold shares of
the Bank and that the firm and all its partners ar e in compliance with Inter national Federation of
Accountants (IFAC) guidelines on code of ethics as adopted by Institute of Chartered Accountants
of Pakistan.
21. The statutory auditors or the persons associated with them have not been appointed to provide
other services except in accordance with the listing regulations and the auditors have confirmed that they
have observed IFAC guidelines in this regard.
22. Financial statements for the year ended December 31, 2009 have b een audited and circulated
in accordance with the clause (xxii) of the code.
23. All material information as described in clause (xxiii) of the Code have been disseminated to
the Stock Exchanges and Securities and Exchange Commission of Pakist an in a timely manner .
24. The company has complied with the requirements as stipulated in clause 35 (xiii) (a) of the
Listing Regulations relating to related party transactions.
25. All other material principles contained in the Code have been complied
with.
By Order of the Board
Badar Kazmi
Chief Executive Officer

Six Years Key Financial Data
PKR
2004 2008 2005 2009 2006 2007 Million
Key Financial Data
Standard Chartered Bank SCBPL
Pakistan Branches
Revenue 5,145 7,726 14,023 22,339

Operating Profit 22,985
3,351 23,167
5,364 8,923 10,179 10,364
Profit before Tax 3,456 10,684
5,427 7,360 4,126 1,048
Profit after Tax 1,266
2,481 4,057 5,709 2,767 630
Net Mark-up Income before provision 669
3,083 5,276 10,336 16,192
Non Mark-up Income 16,419
2,062 16,284
2,450 3,687 6,147 6,566
Non Mark-up Expenses 6,883
1,794 2,362 5,100 12,160 12,621
Shareholder’s Equity 7,019 12,483
8,406 40,230 43,066
Total Assets 42,757 47,746
94,632 111,668 246,318 255,545
Advances - net 264,617 50,215 312,874129,004
51,508 119,537
13,165 25,359 124,447 34,629 40,696
Deposits 29,587
76,514 83,646 83,785
156,878 177,162
Expense / Income Ratio 174,552
35% 206,958
31% 36% 54%
Advances / Deposits Ratio 67% 55%
60% 82%54% 67%
Retur n on Equity 37% 72% 60%
53% 30%* 17.79%*
Retur n on Assets 3.75%*3.90%
2.80% 3.49%*
3.2%** 1.23%**
0.27%** 0.25%**
* The amount of goodwill has been deducted from equity for calculation of 'Return on Equity'.
** The amount of goodwill has been deducted from assets for calculation of 'Return on Assets'.
Financial Statements
For the year ended
31 December 2009
Auditors' Report to the Members
We have audited the annexed unconsolidated balance sheet of Standar d Chartered Bank (Pakistan) Limited as
at 31 December 2009 and the r elated unconsolidated pr ofit and loss account, unconsolidated statement of
comprehensive income, unconsolidated cash flow statement and unconsolidated statement of changes in equity
together with the notes forming part thereof (here-in-after referred to as the 'financial statements') for the year then
ended, and we state that we have obtained all the information and explanations which, to the best of our knowledge
and belief, were necessary for the purposes of our audit.
It is the responsibility of the Bank's Board of Directors to establish and maintain a system of internal control, and
prepare and present the financial statements in conformity with approved accounting standards and the requirements
of the Banking Companies Ordinance, 1962 (LVII of 1962), and the Companies Ordinance, 1984 (XLVII of 1984).
Our responsibility is to express an opinion on these financial statements based on our audit.
We conducted our audit in accor dance with the Inter national Standards on Auditing as applicable in Pakistan.
These standards require that we plan and perform the audit to obtain r easonable assurance about whether the
financial statements are free of any material misstatements. An audit includes examining, on a test basis, evidence
supporting amounts and disclosur es in the financial statements. An audit also includes assessing accounting
policies and significant estimates made by management, as well a s, evaluating the overall pr esentation of the
financial statements. We believe that our audit provides a reasonable basis for our opinion and after due verification,
which in the case of loans and advances cover ed more than 60% of the total loans and advances of the bank,
we report that:
(a) in our opinion, pr oper books of accounts have been kept by the Bank as r equired by the
Companies
Ordinance, 1984 (XLVII of 1984);
(b) in our
opinion:
(i) the balance sheet and profit and loss account together with the notes ther eon have been
drawn up in conformity with the Banking Companies Ordinance, 1962 (LVII of 1962), and the Companies
Ordinance, 1984 (XLVII of 1984), and are in agreement with the books of account and ar e further
in accordance with accounting policies consistently applied except for the changes described in
note 2.6 with which we concur;
(ii) the expenditure incurred during the year was for the purpose of the Bank's business;
and
(iii) the business conducted, investments made and the expenditure incurred during the year were
in accordance with the objects of the Bank and the transactions of the Bank which have come to our
notice have been within the powers of the Bank;
(c) in our opinion and to the best of our information and accor ding to the explanations given to us,
the unconsolidated balance sheet, unconsolidated pr ofit and loss account, unconsolidated statement of
comprehensive income, unconsolidated cash flow statement and unconsolidated statement of changes
in equity together with the notes forming part ther eof conform with appr oved accounting standards as
applicable in Pakistan, and give the information required by the Banking Companies Ordinance, 1962 (LVII
of 1962), and the Companies Or dinance, 1984 (XLVII of 1984), in the manner so r equired and give a true
and fair view of the state of the Bank's affairs as at 31 December 2009 and its true balance of the pr ofit,
its cash flows and changes in equity for the year then ended; and
(d) in our opinion Zakat deductible at source under the Zakat and Ushr Ordinance, 1980 (XVIII of 1980),
was deducted by the Bank and deposited in the Central Zakat Fund established under section 7 of that
Ordinance.
Date: March 04, 2010 KPMG Taseer Hadi & Co.

Chartered Accountants
Karachi Syed Iftikhar Anjum
Unconsolidated Balance Sheet

As at December 31, 2009
Note 2009 2008

(Rupees in ‘000)
ASSET
S
Cash and balances with treasury banks 4 21,521,550 22,741,035
Balances with other banks 5 2,238,182 1,261,582
Lendings to financial institutions 6 20,568,064 31,466,898
Investments 7 83,784,536 29,586,663
Advances 8 124,446,724 125,601,465
Operating fixed assets 9 6,995,784 3,886,275
Intangible assets 10 27,026,172 27,535,060
Deferred tax assets 11 4,159,452 3,298,730
Other assets 12 22,133,748 19,239,470
312,874,212 264,617,178
LIABILITIES
Bills payable 13 4,844,638 4,296,420

Borrowings from financial institutions 14 15,747,326 8,695,730
Deposits and other accounts 15 206,957,950 174,551,801
Sub-ordinated loans 16 1,523,000 1,710,300
Other liabilities 17 36,055,442 32,605,787
265,128,356 221,860,038
NET 47,745,856 42,757,140
ASSETS
REPRESENTED
BY:
Share capital 18 38,715,850 38,715,850
Reserves 19 1,946,365 1,812,492
Unappropriated profit 4,003,356 3,481,778
44,665,571 44,010,120
Surplus / (deficit) on revaluation of assets - net of deferred tax 20 3,080,285 (1,252,980)
47,745,856 42,757,140
CONTINGENCIES AND 21
COMMITMENTS
The annexed notes 1 to 41 form an integral part of these un-consolidated financial statements.
Badar Kazmi Najam I. Chaudhri Parvez Ghias Shahid

Chief Executive Director Director Zaki
Director

Unconsolidated Profit and Loss Account

Note 2009 2008

(Rupees in ‘000)
CONTINUING OPERATIONS
Mark-up / return / interest earned 22 26,653,240 23,307,442

Mark-up / return / interest expensed 23 (10,369,328) (6,888,900)
Net mark-up / return / interest income 16,283,912 16,418,542
Provision against non-performing loans and advances 8.3 & 17.2 (7,453,893) (10,494,804)
Recovery of amounts written off in previous years 906,370 1,182,074
Provision for diminution in the value of investments 7.3 (73,451) (3,308)
Bad debts written off directly 8.4.1 (2,797,334) -
(9,418,308) (9,316,038)
Net mark-up / return / interest income after provisions 6,865,604 7,102,504
NON MARK-UP / NON INTEREST

INCOME
Fees, commission and brokerage income 3,913,474 3,766,618
Dividend income 7,792 14,012
Income from dealing in foreign currencies 2,000,762 2,102,480
Gain / (loss) on sale of securities 24 464,368 (345,321)
Unrealized gain on revaluation of investments
classified as held for trading 7.7 179,835 438
Other income 25 317,010 1,073,243
Total non mark-up / non interest income 6,883,241 6,611,470
13,748,845 13,713,974
NON MARK-UP / NON INTEREST
EXPENSES
Administrative expenses 26 (12,244,352) (12,424,711)
Other provisions / asset write-offs (108,451) (40,081)
Other charges 27 (129,763) (156,202)
Total non mark-up / non interest expenses (12,482,566) (12,620,994)
1,266,279 1,092,980
Extra-ordinary / unusual items - -
1,266,279 1,092,980
PROFIT BEFORE TAXATION FROM CONTINUING
OPERATIONS
Taxation - current (1,808,667) -
- prior years' (174,152) 2,573
- deferred 1,385,905 (418,421)
28 (596,914) (415,848)
PROFIT AFTER TAXATION FROM CONTINUING 669,365 677,132
OPERATIONS
Unconsolidated Profit and Loss Account

Note 2009 2008

(Rupees in ‘000)
DISCONTINUED
OPERATIONS
Loss from discontinued operations - net of tax - (47,586)
PROFIT AFTER TAXATION 669,365 629,546
(Rupees)
BASIC / DILUTED EARNINGS PER 29 0.17 0.16

SHARE

Director

Un-Consolidated Statement of Comprehensive Income

2009 2008
(Rupees in ‘000)
Profit for the year 669,365 629,546
Other comprehensive income:

Exchange difference on translation of foreign operations - 60,635
Exchange difference on translation of foreign operations
released on disposal - (27,096)
Surplus / (deficit) on revaluation of 'Available for Sale'
financial assets (i) --
Surplus / (deficit) on revaluation of fixed assets (ii) --
Actuarial gain / (loss) on defined benefit plans (21,406) 9,939
Deferred tax on actuarial gain / (loss) 7,492 (3,479)
(13,914) 39,999
Total comprehensive income for the year 655,451 669,545
(i) Surplus / deficit on revaluation of 'Available for Sale' securities is presented under a separate head below equity
as 'surplus / deficit on revaluation of assets' in accordance with the requirements specified by the State Bank of
Pakistan vide its BSD circular 20 dated 04 August 2000 and BSD circular 10 dated 13 July 2004.
(ii) Surplus on revaluation of fixed assets is presented under a separate head below equity as 'surplus /deficit on
revaluation of assets' in accordance with the requirements of section 235 of the Companies Ordinance, 1984.

Director
Unconsolidated Cash Flow Statement

2009 2008
(Rupees in ‘000)
CASH FLOW FROM OPERATING
ACTIVITIES
Profit before taxation 1,266,279 1,092,980
Loss from discontinued operations (2008: gross of tax of Rs. 2,393 thousand) - (45,193)
Profit before taxation from continuing operations 1,266,279 1,047,787
Dividend income (7,792) (14,012)
1,258,487 1,033,775
Adjustments for:
Depreciation 645,046 704,101
Amortization 508,888 695,301
Gain on disposal of fixed assets (4,583) (14,211)
Unrealized gain on revaluation of investments classified as held for trading (179,835) (438)
Other provisions / asset write offs 108,451 40,081
Provision for diminution in the value of investments 73,451 3,308
Lease rentals expense 6,933 7,802
Provision against loans and advances - net of recoveries 9,344,857 9,312,730
10,503,208 10,748,674
11,761,695 11,782,449
Decrease / (increase) in operating assets

Lendings to financial institutions 10,898,834 (16,240,963)
Held for trading securities (6,460,653) (432,754)
Advances (8,190,116) (15,377,180)
Other assets (869,680) (1,853,407)
(4,621,615) (33,904,304)
Increase / (decrease) in operating liabilities
Bills payable 548,218 (2,340,968)
Borrowings from financial institutions 7,051,596 2,079,665
Deposits and other accounts 32,406,149 (2,609,829)
Other liabilities 3,449,655 13,113,450
43,455,618 10,242,318
Cash inflow / (outflow) before taxation 50,595,698 (11,879,537)
Income tax paid (4,023,969) (1,015,043)
Net cash generated from / (used in) operating activities 46,571,729 (12,894,580)
CASH FLOW FROM INVESTING

ACTIVITIES
Net investments (46,438,958) 10,041,359
Dividend income received 7,792 14,012
Acquisition of Amex net of cash acquired - 2,430
Net investment in fixed assets (including intangible assets) (198,646) (978,701)
Sale proceeds on disposal of fixed assets 9,431 103,914
Net cash (used in) / generated from investing activities (46,620,381) 9,183,014

Unconsolidated Cash Flow Statement

Note 2009 2008

(Rupees in ‘000)
CASH FLOW FROM FINANCING
ACTIVITIES
Repayment of sub-ordinated Term Finance Certificates (187,300) (202,155)
Payment of lease obligations (6,933) (7,802)
Net cash used in financing activities (194,233) (209,957)
Decrease in cash and cash equivalents for the year (242,885) (3,921,523)
Cash and cash equivalents at beginning of the year 24,002,617 27,924,140
Cash and cash equivalents at end of the year 30 23,759,732 24,002,617
.

Director
Unconsolidated Statement of Changes in Equity

Sh ar e Sh a re Exc h a n g e Sta tu t o ry U n ap p r o p ri a te d To t al
Ca p i ta l Pr em i u m Tr an s l at io n R e se r ve Pr o fit
R e se rv e
(Rupees in '000)
Ba lanc e as at 31 De cemb er 2 00 7 3 8, 7 15 , 85 0 1 ,0 3 6, 0 90 ( 33 , 53 9 ) 6 5 0, 4 93 2, 9 71 , 68 1 43 , 34 0, 5 7 5
To t al C o m p re h en s iv e i n c o me fo r t h e ye a r
P r of it f or t he y ea r - - - - 6 29 , 54 6 62 9, 5 4 6
Ot he r c o m p re h e n si ve in c o m e
E x ch ang e di ff er en ce o n tr a nslat io n of
fo r eig n op er at io ns - - 60 , 63 5 - - 6 0, 6 3 5
E x ch ang e di ff er en ce o n tr a nslat io n of
fo r eig n op er at io ns r ele ased on d isp os al - - ( 27 , 09 6 ) - - (2 7 , 09 6)
A ct u ar ial ga in / (lo ss) on d ef ine d b ene fit
pl ans- net of de fe rr e d t ax - - - - 6 , 46 0 6, 4 6 0
- - 33 , 53 9 - 6 36 , 00 6 66 9, 5 4 5
T ra nsf er to st atu to r y r e ser v e - - - 1 2 5, 9 09 (1 25 , 90 9 ) -
Ba lanc e as at 31 De cemb er 2 00 8 3 8, 7 15 , 85 0 1 ,0 3 6, 0 90 - 7 7 6, 4 02 3, 4 81 , 77 8 44 , 01 0, 1 2 0
To t al C o m p re h en s iv e i n c o me fo r t h e ye a r
P r of it f or t he y ea r - - - - 66 9 ,3 6 5 66 9, 3 6 5
Ot he r c o m p re h e n si ve in c o m e
A ct u ar ial ga in / (lo ss) on d ef ine d b ene fit

pl ans- net of de fe rr e d t ax - - - - (1 3 ,9 1 4) ( 1 3, 9 14 )
- - - - 65 5 ,4 5 1 65 5, 4 5 1
T ra nsf er to st atu to r y r e ser v e - - - 1 3 3, 8 73 ( 13 3 ,8 7 3) -
B a la n c e a s a t 3 1 D e ce m b e r 2 00 9 3 8, 7 15 , 85 0 1 ,0 3 6, 0 90 - 9 1 0, 2 75 4 , 00 3 ,3 5 6 44 , 66 5, 5 7 1
T he an ne xe d n ot es 1 t o 4 1 f o rm a n int eg r al pa rt of th ese un- con soli dat ed fi nan cial st at eme nt s.

Director

Notes to the Un-Consolidated Financial Statements

1. STATUS AND NATURE OF

BUSINESS
Standard Chartered Bank (Pakistan) Limited ("the Bank") was incorporated in Pakistan on 19 July 2006 and was
granted approval for commencement of banking business by State Bank of Pakistan, with effect from 30 December
2006. The ultimate holding company of the Bank is Standard Chartered Plc., incorporated in England. The registered
office is at Standard Chartered Bank Building, I. I. Chundrigar Road, Karachi.
The Bank commenced formal operations on 30 December 2006 through amalgamation of entire
undertaking of Union Bank Limited and the business carried on by the branches in Pakistan of
Standard Chartered Bank, a bank incorporated by Royal Charter and existing under the laws of
England. The scheme of amalgamation was sanctioned by State Bank of Pakistan vide its order
dated 4 December 2006.
The Bank is engaged in the banking business as defined in the Banking Companies Ordinance, 1962 and has a
total number of 162 branches in Pakistan (2008: 174 branches in Pakistan) in operation at 31 December 2009.
Standard Chartered Bank (Pakistan) Limited has the following three subsidiaries. All of them are incorporated in
Pakistan.
• Standard Chartered Leasing Limited

• Standard Chartered Modaraba
• Standard Chartered Services of Pakistan (Private) Limited
These financial statements are separate financial statements of the Bank in which investments in subsidiaries are
accounted for on the basis of direct equity interest rather than on the basis of reported results. Consolidated financial
statements are presented separately.
2. BASIS OF PREPARATION
2.1 Basis of presentation
In accordance with the directives of the Federal Government regarding the shifting of the banking
system to Islamic modes, the State Bank of Pakistan has issued various circulars from time to time.
One permissible form of trade related mode of financing comprises of purchase of goods by the Bank
from its customers and immediate resale to them at appropriate mark-up in price on deferred
payment basis. The purchases and sales arising under these arrangements are not reflected in these
financial statements as such but are restricted to the amount of facility actually utilised and the
appropriate portion of mark-up thereon.
2.2 Statement of compliance
These financial statements have been prepared in accordance with approved accounting standards as
applicable in Pakistan. Approved accounting standards comprise of such International Financial
Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB) and
Islamic Financial Accounting Standards (IFAS) issued by the Institute of Chartered Accountants of
Pakistan (ICAP) as are notified under the Companies Ordinance, 1984, provisions of and directives
issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962 and the
directives issued by State Bank of Pakistan. In case the requirements differ, the provisions of and
directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962
and the directives issued by the State Bank of Pakistan shall prevail.
The Securities and Exchange Commission of Pakistan has approved and notified the adoption of
International Accounting Standard 39, 'Financial Instruments: Recognition and Measurement' (IAS
39) and International Accounting Standard 40, 'Investment Property' (IAS 40). The requirements of
these standards have not been followed in the preparation of these financial statements as the State
Bank of Pakistan has deferred the implementation of these standards for banks in Pakistan till further

instructions. However, investments have been classified and valued in accordance with the
requirements of various circulars issued by the State Bank of Pakistan.
In addition, the Securities and Exchange Commission of Pakistan has approved and notified Islamic Financial
Accounting Standard 1, 'Murabaha' (IFAS 1). IFAS 1 was effective for financial periods beginning
on or after 1 January 2006. This standard has not been adopted by stand alone Islamic branches of
conventional banks pending resolution of certain issues e.g. invoicing of goods, recording of
inventories, concurrent application with other approved accounting standards in place for conventional
banks, etc. Pakistan Banks Association and Modaraba Association of Pakistan have taken up these
issues with the State Bank of Pakistan and the Securities and Exchange Commission of Pakistan.
2.3 Basis of measurement
These financial statements have been prepared under the historical cost convention, except that
certain available for sale, trading and derivative financial instruments have been measured at fair
value whereas certain fixed assets are stated at revalued amounts less accumulated depreciation and
accumulated impairment losses, where applicable.
2.4 Use of estimates and judgments
The preparation of financial statements in conformity with approved accounting standards requires management
to make judgments, estimates and assumptions that effect the application of accounting policies and reported
amounts of assets, liabilities, income and expenses. Actual results may differ from these estimates. The estimates
and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised
in the period in which the estimate is revised if the revision affects only that period, or in the period of the revision
and future periods if the revision affects both current and future periods.
In particular, information about significant areas of estimation uncertainty and critical judgments in applying accounting
policies that have the most significant effect on the amounts recognised in the financial statements are described
in the following:
- Note 8 Provision against non-performing advances

- Note 9 Valuation and depreciation rates for fixed assets
- Note 10.2 Goodwill impairment testing
- Note 11 Deferred taxation
- Note 21.7 Derivative instruments
- Note 28 Income taxes
- Note 32 Employees' retirement defined benefit plans
2.5 Functional and presentation currency
These financial statements are presented in Pakistan Rupees, which is the Bank’s functional currency. Except as
indicated, financial information presented in Pakistan Rupees has been rounded to the nearest thousand.
2.6 Changes in accounting policies
2.6.1 IFRIC 13 'Customer Loyalty Programmes'
During the current year, IFRIC 13 'Customer Loyalty Programmes' issued by the International
Financial Reporting Interpretations Committee became effective. The revenue from award credits
for loyalty points earned on use of various products of the Bank is measured by reference to their fair
value and is recognised when award credits are redeemed. The cost of award points is recognised at
the time award points are redeemed. Previously, revenue from award credits for loyalty points was
being recognised at the time when these points were awarded and the cost of award points was
accrued at the same time. Due to current size of the program, the effect of change is not estimated
to be material and therefore previous year figures have not been restated.


2.6.2 Revaluation of Land and buildings on freehold

land
During the current year, the Bank changed its accounting policy for owned properties to carry them
at revalued amounts less accumulated depreciation and accumulated impairment losses thereon.
Previously, these were being carried in the books at cost less accumulated depreciation. This change
in accounting policy has been dealt with as a revaluation in accordance with International Accounting
Standard 16, 'Property, Plant and Equipment' (IAS 16). The relevant disclosures in this regard have
been included in note 9 to these financial statements. The management believes that the new
accounting policy presents a more accurate reflection of the carrying amounts of land and buildings in
the financial statements.
2.6.3 International Accounting Standard 1 (Revised) 'Presentation of Financial Statements'
International Accounting Standard 1 (Revised) 'Presentation of Financial Statements' became

effective for financial periods beginning on or after 1 January 2009. The application of this standard
has resulted in certain increased disclosures including the 'Statement of Other Comprehensive
Income' which has been reflected in the Bank's financial statements for the year ended 31 December
2009. The 'Statement of Other Comprehensive Income' reflects the changes in equity other than
those changes resulting from transactions with owners in their capacity as owners. Since the change
only impacts presentation aspects, there is no impact on earnings per share.
2.6.4 Determination and presentation of operating segments
An operating segment is a component of the Bank that engages in business activities from which it
may earn revenue and incur expenses, including revenues and expenses that relate to transactions
with any of the Bank's other components. An operating segment's operating results are reviewed
regularly by the Chief Executive Officer (CEO) to make decisions about resources to be allocated to
that segment and assess its performance and for which discreet financial information is available.
Segment results that are reported to the CEO include items directly attributable to a segment as well
as those that can be allocated on a reasonable basis. There is no change in operating segments being
reported as a result of adoption of International Financial Reporting Standard 8, 'Operating Segments'
(IFRS 8), other than changes in certain disclosures.
3. SUMMARY OF SIGNIFICANT ACCOUNTING

POLICIES
3.1 Business acquisitions
Acquisitions from entities under common control
Business combinations arising from transfers of interests in entities that are under the control of the
shareholder that controls the Group are accounted for as if the acquisition had occurred at the
beginning of the earliest comparative period presented. For this purpose comparatives are restated.
The assets and liabilities acquired are recognised at the carrying amounts recognised previously in the
combining entity's financial statements.
Other acquisitions
Other business combinations are accounted for using the acquisition method. For acquisition prior to 1
January 2009, the cost of acquisition is measured as the fair value of the asset given, equity
instruments issued and the liabilities incurred or assumed at the date of exchange, plus costs directly
attributable to the acquisition. Identified assets acquired are fair valued at the acquisition date,
irrespective of the extent of any minority interest. The excess of cost of acquisition over the fair
value of identifiable net assets acquired is recorded as goodwill.

3.2 Cash and cash equivalents
For the purposes of cash flow statement, cash and cash equivalents comprise of cash and balances with treasury
bank and balances with other banks.
3.3 Investments
The Bank classifies its investments as follows:
a) Held for trading
These are securities, which are acquired with the intention to trade by taking advantage of short
term market / interest rate movements and are carried at market value. The surplus / deficit
arising as a result of revaluation at market value is recognised in the profit and loss account.
These securities are to be sold within 90 days from the date of their classification as 'Held for
trading' under normal circumstances, in accordance with the requirements specified by SBP
BSD Circular 10 dated 13 July 2004.
b) Held to maturity
These are securities with fixed or determinable payments and fixed maturity that are held with
the intention and ability to hold to maturity. These are carried at amortised cost.
c) Available for sale
These are investments that do not fall under the held for trading or held to maturity categories
and are carried at market value. The surplus / deficit arising as a result of revaluation at market
value is kept in a separate account below equity.
d) Subsidiaries
Investments in subsidiaries are carried at cost less impairment in value, if any.
All 'regular way' purchases and sales of investments are recognised on the trade date i.e. the
date that the bank commits to purchase or sell the asset. Regular way purchases or sales are
purchases or sales of investments that require delivery of assets within the time frame generally
established by regulation or convention in the market place.
3.4 Sale and repurchase agreements
Securities sold subject to repurchase agreements ('repos') remain on the balance sheet; the counterparty liability
is included in borrowings from financial institutions. Securities purchased under agreements to resell ('reverse repos')
are recorded as lendings to financial institutions. The difference between sale and repurchase price is treated as
interest / markup / return and accrued over the life of the underlying agreement using the effective interest method.
3.5 Advances
Advances are stated net of provision against non-performing advances. Specific and general provisions are made
based on an appraisal of the loan portfolio that takes into account Prudential Regulations issued by the State Bank
of Pakistan from time to time. Specific provisions are made where the repayment of identified loans is in doubt and
reflect an estimate of the amount of loss expected. The general provision is for the inherent risk of losses which,
although not separately identified, are known from experience to be present in any loan portfolio. Provision made /
reversed during the year is charged to the profit and loss account and accumulated provision is netted off
against advances. Advances are written-off when there is no realistic prospect of recovery.


When the Bank is the lessor in a lease agreement that transfers substantially all of the risks and
rewards incidental to ownership of an asset to the lessee, the arrangement is presented within loans
and advances.
3.6 Operating fixed assets - tangible
Owned
Operating fixed assets, other than land and buildings, are stated at cost or revalued amount less
accumulated depreciation and accumulated impairment losses thereon. Cost includes expenditure that
is directly attributable to the acquisition of fixed assets. Land and buildings are stated at revalued
amounts less accumulated depreciation.
Subsequent costs are included in the asset's carrying amount or are recognised as a separate asset,
as appropriate, only when it is probable that future economic benefits associated with the item will
flow to the Bank and the cost of the item can be measured reliably. All other repairs and
maintenance expenditures are charged to profit and loss account during the financial period in which
they are incurred.
Land and buildings are revalued by independent professionally qualified valuer(s). Surplus arising on
revaluation is credited to the 'surplus on revaluation of fixed assets' account (net of deferred tax).
Under the provisions of the Companies Ordinance, 1984, deficit arising on revaluation of fixed assets
is adjusted against the balance in the above-mentioned surplus account. The revaluation is carried out
with sufficient regularity to ensure that the carrying amount does not differ materially from that which
would have been determined using fair value at the balance sheet date.
Accumulated depreciation on owned buildings, at the date of revaluation, is eliminated against the
gross carrying amount of buildings. The net amount is then restated to the revalued amount.
Surplus on revaluation of fixed assets (net of deferred tax) is transferred to unappropriated profit to
the extent of incremental depreciation charged on related assets.
Land is not depreciated. Depreciation on all other fixed assets is calculated using the straight line
method to allocate their depreciable cost or revalued amount to their residual values over their
estimated useful lives.
The residual values and useful lives of fixed assets are reviewed, and adjusted (if appropriate) at
each balance sheet date.
Gains and losses on disposal of fixed assets are included in profit and loss account currently.
Leased
Fixed assets held under finance lease are stated at the lower of fair value of asset and present value
of minimum lease payments at the inception of lease, less accumulated depreciation. Financial
charges are allocated over the period of lease term so as to provide a constant periodic rate of
financial charge on the outstanding liability. Depreciation is charged on the basis similar to owned
assets.
3.7 Intangible assets
Goodwill
Goodwill represents the excess of cost of an acquisition over the fair value of the share of net
identifiable assets acquired at the date of acquisition. Goodwill is tested annually for impairment and
carried at cost less accumulated impairment.

Computer software
Acquired computer software licenses are capitalised on the basis of costs incurred to acquire and
bring to use the specific software. These costs are amortised on the basis of their expected useful
lives.
Acquired intangibles in business combination
Acquired intangibles in business combination that have finite lives are amortised over their economic
useful life based on the manner that benefits of the relevant assets are consumed.
3.8 Impairment of non-financial assets
The carrying amounts of the Bank’s non-financial assets, other than deferred tax assets, are
reviewed at each reporting date to determine whether there is any indication of impairment. If any
such indication exists then the asset’s recoverable amount is estimated. An impairment loss is
recognised if the carrying amount of an asset or its cash-generating unit exceeds its recoverable
amount.
The recoverable amount of an asset or cash-generating unit is the greater of its value in use and its
fair value less costs to sell. In assessing value in use, the estimated pre-tax future cash flows are
discounted to their present value using a pre-tax discount rate that reflects current market
assessments of the time value of money and the risks specific to the asset.
An impairment loss in respect of goodwill is not reversed. In respect of other assets, impairment
losses recognised in prior periods are assessed at each reporting date for any indications that the loss
has decreased or no longer exists. An impairment loss is reversed if there has been a change in the
estimates used to determine the recoverable amount.
3.9 Staff retirement benefits
Defined benefit plan
The Bank operates approved funded pension and gratuity schemes for all its non-management
employees, and a management pension scheme only for its existing pensioners.
For defined benefit plans, the liability / asset recognised on the balance sheet is the present value of
defined benefit obligation at the balance sheet date less the fair value of plan assets. The defined
benefit obligation is calculated annually by independent actuaries using the "Projected Unit Credit
Actuarial Cost Method".
Actuarial gains and losses that arise are recognised in other comprehensive income in the period in
which they arise. Past service costs are recognised immediately to the extent that benefits are vested
and are otherwise recognised over the average period until benefits are vested on a straight line basis.
Current service costs and any past service costs together with the expected return on plan assets less
the effect of the unwinding of the discount on plan liabilities are charged to operating expenses.
Defined contribution plan
The Bank also operates a defined contribution gratuity scheme for all its management staff and a
provident fund scheme for all its permanent staff, contributing at 8.33 percent and 10 percent of basic
salary respectively.
3.10 Foreign currency transactions
Transactions in foreign currencies are translated to Pakistan Rupees at exchange rates prevailing at


the date of the transaction. Monetary assets and liabilities denominated in foreign currencies at the
reporting date are retranslated to Pakistan Rupees at the exchange rate prevailing at that reporting
date. Foreign currency differences arising on retranslation are recognised in profit or loss.
The assets and liabilities of foreign operations are translated to Pakistan Rupees at exchange rates
prevailing at the reporting date. The income and expenses of foreign operations, are translated to
Pakistan Rupees at exchange rates prevailing at the date of the transaction. Foreign currency
differences are recognised in other comprehensive income.
3.11 Taxation
Income tax expense comprises of current and deferred tax. Income tax expense is recognised in the
profit and loss account except to the extent that it relates to items recognised directly in equity or in
other comprehensive income.
Current tax
Current tax is the expected tax payable on the taxable income for the year (using tax rates enacted
or substantively enacted at the balance sheet date), and any adjustment to tax payable in respect of
previous years.
Deferred tax
Deferred tax is provided for using the balance sheet method, providing for temporary differences
between the carrying amounts of assets and liabilities for financial reporting purposes and the
amounts used for taxation purposes. Deferred tax is not recognised on temporary differences relating
to: (i) the initial recognition of goodwill; (ii) the initial recognition of assets or liabilities in a transaction
that is not a business combination and that affects neither accounting nor taxable profit; and (iii)
differences relating to investments in subsidiaries to the extent that they probably will not reverse in
the foreseeable future.
Deferred tax is measured at tax rates that are expected to be applied to the temporary differences
when they reverse, based on the laws that have been enacted or substantively enacted by the
reporting date.
A deferred tax asset is recognised only to the extent that it is probable that future taxable profits will
be available against which the asset can be utilised. Deferred tax assets are reviewed at each
reporting date and are reduced to the extent that it is no longer probable that the related tax benefit
will be realised.
3.12 Revenue recognition
Mark-up / return on advances and investments is recognised on an accrual basis using the effective
interest rate method. The effective interest rate is the rate that exactly discounts the estimated future
cash payments and receipts through the expected life of the financial asset or liability (or, where
appropriate, a shorter period) to the carrying amount of the financial asset or liability.
Mark-up recoverable on classified loans, advances and investments is recognised on a receipt basis in
accordance with the requirements of Prudential Regulations issued by the State Bank of Pakistan.
Mark-up on rescheduled / restructured loans, advances and investments is also recognised in
accordance with the requirements of these Prudential Regulations.
Fees and commission income are generally recognised on an accrual basis when the service has been
provided. Fees and commission which in substance amount to an additional interest charge, are
recognised over the life of the underlying transaction on a level yield basis.

Dividend income is recognised when the right to receive income is established.
The revenue from award credits for loyalty points earned on use of various products of the Bank is
measured by reference to their fair value and is recognised when award credits are redeemed.
3.13 Derivative financial instruments
Derivative financial instruments are initially recognised at fair value and are subsequently remeasured
at fair value. All derivative financial instruments are carried as assets when fair value is positive and
liabilities when fair value is negative. Any change in the fair value of derivative financial instruments
is taken to profit and loss account.
3.14 Provisions
Provisions for restructuring costs and legal claims are recognised when: (i) the Bank has a present
legal or constructive obligation as a result of past events; (ii) it is more likely than not that an outflow
of resources will be required to settle the obligation; and (iii) the amount has been reliably estimated.
3.15 Fiduciary activities
The Bank commonly acts in fiduciary capacities that result in the holding or placing of assets on
behalf of individuals, trusts, retirement benefit plans and other institutions. These assets and income
arising thereon are excluded from these financial statements, as they are not assets of the Bank.
3.16 Segment reporting
A segment is a distinguishable component of the Bank that is engaged either in providing products or
services (business segment), or in providing products or services within a particular economic
environment (geographical segment), which is subject to risks and rewards that are different from
those of other segments. The Bank’s primary format for segment reporting is based on business
segments. A brief description of the products and services offered by different segments of the bank
is given in note 36 to these financial statements.
3.17 Offsetting
Financial assets and liabilities are set off and the net amount presented in the balance sheet when,
and only when, the Bank has a legal right to set off the amounts and intends either to settle on a net
basis or to realise the asset and settle the liability simultaneously.
3.18 Subordinated
liabilities
Subordinated liabilities are initially measured at fair value plus transaction costs, and subsequently
measured at their amortised cost using the effective interest method.
3.19 Non-current assets and disposal groups held for sale
Non-current assets and disposal groups comprising of assets and liabilities that are expected to be
recovered primarily through sale rather than continuing use are classified as held for sale.
Immediately before being classified as held for sale, the assets and components of disposal group are
remeasured in accordance with the Bank's accounting policies. Thereafter, the assets and disposal
group are measured at the lower of their carrying values and fair values less cost to sell.
3.20 Discontinuing operations
A discontinuing operation is a component of the Bank's business that represents a separate major line
of business or geographical area of operations that has been disposed of or is held for sale.


Classification as a discontinuing operation occurs on disposal or when the operation meets the criteria
to be classified as held for sale, if earlier.
3.21 Share-based compensation
The Group operates cash-settled share-based compensation plans. The fair value of the employee
services received in exchange for the grant of the options is recognized as an expense. Cash-settled
awards are revalued at each balance sheet date with any changes in fair value charged or credited to
staff costs in the profit and loss account.
3.22 New standards and interpretations not yet adopted
The following standards, amendments and interpretations of approved accounting standards will be effective for
accounting periods beginning on or after 1 January 2010:
• Revised IFRS 3 - Business Combinations (applicable for annual periods beginning on or after 1
July 2009) broadens among other things the definition of business resulting in more acquisitions
being treated as business combinations, contingent consideration to be measured at fair value,
transaction costs other than share and debt issue costs to be expensed, any pre-existing interest
in an acquiree to be measured at fair value, with the related gain or loss recognised in profit or
loss and any non-controlling (minority) interest to be measured at either fair value, or at its
proportionate interest in the identifiable assets and liabilities of an acquiree, on a transaction-by-transaction
basis. The application of this standard is not likely to have an effect on the Bank’s financial statements.
• Amended IAS 27 - Consolidated and Separate Financial Statements (effective for annual periods
beginning on or after 1 July 2009) requires accounting for changes in ownership interest by the
group in a subsidiary, while maintaining control, to be recognized as an equity transaction. When
the group loses control of subsidiary, any interest retained in the former subsidiary will be
measured at fair value with the gain or loss recognized in the profit or loss. The application of the
standard is not likely to have any material effect on the Bank’s financial statements.
• IFRIC 15 - Agreement for the Construction of Real Estate (effective for annual periods
beginning on or after 1 October 2009) clarifies the recognition of revenue by real estate
developers for sale of units, such as apartments or houses, 'off-plan', that is, before construction
is complete. The amendment is not relevant to the Bank’s operations.
• IFRIC – 17 - Distributions of Non-cash Assets to Owners (effective for annual periods

beginning on or after 1 July 2009) states that when a Bank distributes non cash assets to its
shareholders as dividend, the liability for the dividend is measured at fair value. If there are
subsequent changes in the fair value before the liability is discharged, this is recognised in equity.
When the non-cash asset is distributed, the difference between the carrying amount and fair
value is recognised in the income statement. As the Bank does not distribute non-cash assets to
its shareholders, this interpretation has no impact on the Bank’s financial statements.
• The International Accounting Standards Board made certain amendments to existing standards
as part of its Second annual improvements project. The effective dates for these amendments
vary by standard and most will be applicable to the Bank’s 2010 financial statements. These
amendments are unlikely to have an impact on the Bank’s financial statements.
• Amendment to IFRS 2 - Share-based Payment – Group Cash-settled Share-based Payment

Transactions (effective for annual periods beginning on or after 1 January 2010). Currently
effective IFRSs require attribution of group share-based payment transactions only if they are
equity-settled. The amendments resolve diversity in practice regarding attribution of cash-settled
share-based payment transactions and require an entity receiving goods or services in either an
equity-settled or a cash-settled payment transaction to account for the transaction in its separate
or individual financial statements.

• Amendment to IAS 32 - Financial Instruments: Presentation – Classification of Rights Issues

(effective for annual periods beginning on or after 1 February 2010). The IASB amended IAS
32 to allow rights, options or warrants to acquire a fixed number of the entity’s own equity
instruments for a fixed amount of any currency to be classified as equity instruments provided
the entity offers the rights, options or warrants pro rata to all of its existing owners of the same
class of its own non-derivative equity instruments. This interpretation has no impact on the
Bank’s financial statements.
• IFRIC 19 - Extinguishing Financial Liabilities with Equity Instruments (effective for annual
periods beginning on or after 1 July 2010). This interpretation provides guidance on the
accounting for debt for equity swaps. This interpretation has no impact on the Bank’s financial
statements.
• IAS 24 - Related Party Disclosures (revised 2009) – effective for annual periods beginning on or
after 1 January 2011. The revision amends the definition of a related party and modifies certain
related party disclosure requirements for government-related entities. The amendment would
result in certain changes in disclosures.
• Amendments to IFRIC 14 IAS 19 - The Limit on a Defined Benefit Assets, Minimum Funding
Requirements and their Interaction (effective for annual periods beginning on or after 1 January
2011). These amendments remove unintended consequences arising from the treatment of
prepayments where there is a minimum funding requirement. These amendments result in
prepayments of contributions in certain circumstances being recognised as an asset rather than
an expense. This amendment is not likely to have any impact on Bank’s financial statements.
• Improvements to IFRSs 2008 – Amendments to IFRS 5 - Non-current Assets Held for Sale and
Discontinued Operations – (effective for annual periods beginning on or after 1 July 2009). The
amendments specify that if an entity is committed to a plan to sell a subsidiary, then it would
classify all of that subsidiary’s assets and liabilities as held for sale when the held for sale criteria
in IFRS 5 are met. This applies regardless of the entity retaining an interest (other than control)
in the subsidiary; and disclosures for discontinued operations are required by the parent when a
subsidiary meets the definition of a discontinued operation. This amendment is not likely to have any impact
on Bank’s financial statements.
4. CASH AND BALANCES WITH Note 2009 2008

TREASURY (Rupees in ‘000)
BANKS
In hand
- Local currency 4.1 2,162,807 3,376,674
- Foreign currencies 787,164 1,120,491
With State Bank of Pakistan in:

- Local currency current account 9,830,265 8,296,503
- Local currency current account-Islamic Banking 524,863 785,414
- Foreign currency deposit account
Cash reserve account (5% of FE 25) 1,866,121 1,641,453
Special cash reserve account (15% of FE 25) 5,576,905 4,886,527
Local US Dollar collection account 31,873 60,175
With National Bank of Pakistan in:
- Local currency current account 741,552 2,573,798
21,521,550 22,741,035
4.1 This includes National Prize Bonds of Rs. 2.58 million (2008: Rs. 2.26 million).


5. BALANCES WITH OTHER BANKS Note 2009 2008

(Rupees in ‘000)
In Pakistan
- In current accounts 27,040 256,127
Outside Pakistan
- In current accounts 5.1 2,211,142 1,005,455
2,238,182 1,261,582
5.1 This includes balances of Rs. 2,179.39 million (2008: Rs. 975.20 million) held with branches of Standard Chartered Bank
PLC, UK outside Pakistan.
6. LENDINGS TO FINANCIAL INSTITUTIONS
Repurchase agreement lendings (Reverse Repo) 6.1 3,446,217 12,475,673

Placements 6.2 17,121,847 18,991,225
20,568,064 31,466,898
6.1 These carry mark-up at rates ranging from 11 percent to 12.4 percent per annum (2008: 11 percent to 14.9 percent per
annum) payable at maturity, and are due to mature by January 2010. These arrangements are governed under Master
Repurchase Agreements.
6.2 This represents placements with branches of Standard Chartered Bank PLC, UK outside Pakistan
at mark-up rates ranging from 0.15 percent to 0.53 percent per annum (2008: 0.01 percent and 2.69 percent per annum),
and are due to mature by March 2010.
6.3 Particulars of lending
In local currency 3,446,217 12,475,673

In foreign currencies 17,121,847 18,991,225
20,568,064 31,466,898
6.4 Securities held as collateral against lendings to financial institutions
2009 2008
Held by Further Total Held by Further Total
bank given as bank given as
collateral collateral
(Rupees in '000)
Market Treasury Bills 3,446,217 - 3,446,217 12,475,673 - 12,475,673
6.4.1 The market value of securities held as collateral against lendings to financial institutions amounted to Rs. 3,466.652 million
(2008:Rs. 12,565 million).

7
INVESTMENTS - NET Note 2009 2008
Held by Given as Total Held by Given as Total
bank collateral bank
(Rupees in ‘000) collateral
7.1 Investments by type
Held for trading

Market Treasury Bills 7,265,191 - 7,265,191 989,010 - 989,010
Pakistan Investment Bonds 1,928 - 1,928 3,916 - 3,916
Term Finance Certificates - 186,460 - 186,460 - - -
listed
Available for sale
Market Treasury Bills 7.6.1 58,609,847 4,778,239 63,388,086 17,078,141 - 17,078,141
Pakistan Investment Bonds 7.6.1 10,853,046 19,009 10,872,055 12,219,772 19,057 12,238,829
Ordinary shares of listed companies 7.6.2 - - - 4 - 4
Units / certificates of mutual funds 7.6.3 - - - 3,940 - 3,940
Ordinary shares of unlisted companies 7.6.4 86,987 - 86,987 86,818 - 86,818
Sukuk Bonds 7.6.5 1,800,000 - 1,800,000 300,000 - 300,000
Subsidiaries 7.8
Standard Chartered Services of
Pakistan (Private) 44,500 - 44,500 44,500 - 44,500
Limited Chartered Modarba
Standard 42,000 - 42,000 42,000 - 42,000
Standard Chartered Leasing 730,589 - 730,589 730,589 - 730,589
Limited
Investments at amortised cost 79,620,548 4,797,248 84,417,796 31,498,690 19,057 31,517,747
Provision for diminution in
the value of investments 7.3 (77,278) - (77,278) (3,827) - (3,827)
Investments (net of provisions) 79,543,270 4,797,248 84,340,518 31,494,863 19,057 31,513,920
Surplus on revaluation of
held for trading securities 7.7 179,835 - 179,835 438 - 438
(Deficit) / surplus on revaluation of
available for sale (738,590) 2,773 (735,817) (1,922,733) (4,962) (1,927,695)
securities
Total Investments 78,984,515 4,800,021 83,784,536 29,572,568 14,095 29,586,663
7.2 Investments by segment Note 2009 2008

(Rupees in ‘000)
Federal Government Securities
Market Treasury Bills 70,653,277 18,067,151
Pakistan Investment Bonds 10,873,983 12,242,745
Fully paid up ordinary shares
Listed companies - 4
Unlisted companies 86,987 86,818
Investment in subsidiaries
Standard Chartered Services of Pakistan (Private) 44,500 44,500
Limited Chartered Modarba
Standard 42,000 42,000
Standard Chartered Leasing 730,589 730,589
Limited
Bonds and Term Finance Certificates
Sukuk Bonds 1,800,000 300,000
Term Finance 186,460 -
Certificates
Other investments (mutual funds) - 3,940
Total investment at amortised cost 84,417,796 31,517,747
Less: Provision for diminution in the value of investments 7.3 (77,278) (3,827)
84,340,518 31,513,920
Surplus on revaluation of held for trading securities - net 179,835 438

Deficit on revaluation of available for sale securities - (735,817) (1,927,695)
net 83,784,536 29,586,663
7.3 Particulars of provision for diminution in the value of investments
Opening balance 3,827 519

Charge for the year 76,324 3,308
Reversals (2,873) -
Net (reversal) / charge 73,451 3,308
Closing Balance 7.3.1 77,278 3,827
7.3.1 Details of provision held against investment
Ordinary shares of unlisted companies - available for sale 1,653 954

Units / certificates of mutual funds - available for - 2,873
sale
Subsidiaries 7.8 75,625 -
77,278 3,827


7.4 Investments include securities having book value of Rs. 19.009 million (2008: Rs. 19.057 million) pledged with the State Bank of Pakistan as security to
facilitate
T.T. discounting facility to the Bank, including an amount earmarked against the facilities allocated to branches now in
Bangladesh.
7.5 Market Treasury Bills and Pakistan Investment Bonds are eligible for discounting with the State Bank of
Pakistan.
7.6 Quality of 'available for sale' securities
7.6.1 Federal Government Securities

2009 2008
Rating Cost Market value Rating Cost Market value
(Rupees in ‘000) (Rupees in ‘000)
Market Treasury Bills Unrated 63,388,086 63,457,418 Unrated 17,078,141 17,094,161

Pakistan Investment Bonds Unrated 10,872,055 10,066,906 Unrated 12,238,829 10,295,053
74,260,141 73,524,324 29,316,970 27,389,214
7.6.2 Particulars of shares held - listed
2009 2008 2009 2008

(Number of Shares) Rating Cost Market value Rating Cost Market value
- 900 Sakrand Sugar Mills Limited N/A - - Unrated 3 3
- 200 Khurshid Spinning Mills Limited N/A - - Unrated - -
- 400 Taj Textile N/A - - Unrated 1 1
Limited - - 4 4
All shares are ordinary shares of Rs. 10 each except otherwise mentioned.
7.6.3 Particulars of units / certificates held in mutual funds
2009 2008 2009 2008

(Number of Units) Rating Cost Market value Rating Cost Market value
- 197 UTP Large Capital Fund N/A -- 4-Star 2 1
- 5,250 Pakistan Capital Market Fund N/A - - 5-Star 60 74
- 3,447 National Investment (Unit)Trust N/A - - 5-Star 157 205
- 372,100 Pakistan Strategic Allocation Fund N/A - - 4-Star 3,721 848
- - 3,940 1,128
Provision for diminution in the value of
investments - note 7.3.1 - - (2,873) -
- - 1,067 1,128
7.6.4 Particulars of shares held - unlisted
2009 2008
2009 2008 2009 2008
(Number of Shares)
8,000,000 8,000,000 Khushali Bank Limited A-/A-2 A-/A-1 83,088 83,088

Ordinary Shares of Rs. 10 each
Chief Executive: M. Ghalib Nishtar
573,769 573,769 Pakistan Export Finance Guarantee Unrated Unrated 3,004 2,835
Agency Limited
Chief Executive: S.M.
Zaeem
88 Society for Worldwide Interbank Unrated Unrated 895 895
Fund Transfer
86,987 86,818
Provision for diminution in the value of investments - note 7.3.1 (1,653) (954)
85,334 85,864
7.6.5 Bonds and Term Finance Certificates
2009 2008
Rating Cost Market value Rating Cost Market value
Wapda Sukuk Bonds Unrated 300,000 300,000 Unrated 300,000 300,000

Pakistan International Airlines (PIA) Sukuk Bonds Unrated 1,500,000 1,500,000 N/A - -
1,800,000 1,800,000 300,000 300,000

2009 2008
7.7 Unrealized gain on revaluation of investments (Rupees in ‘000)
classified as held for trading
Market Treasury Bills 177,650 360

Pakistan Investment Bonds 5 78
Listed Term Finance Certificates 2,180 -
179,835 438
7.8 Investment in subsidiaries
2009 2008
(Number of shares)
4,450,000 4,450,000 Standard Chartered Services of Pakistan

(Private) Limited - 100% owned 44,500 44,500
4,538,353 4,538,353 Standard Chartered Modaraba

- Listed 20% owned 42,000 42,000
84,579,276 84,579,276 Standard Chartered Leasing Limited

- Listed 86.45% owned 730,589 730,589
Provision for diminution in the value of

investments - note 7.8.4 (75,625) -
741,464 817,089
7.8.1 The above investments in subsidiaries are strategic investments of the Bank.
7.8.2 Standard Chartered Services of Pakistan (Private) Limited (100% owned by the Bank) exercises control over Standard Chartered Modaraba
as its management company and also has a direct economic interest of 10 percent. Therefore, Standard Chartered Modaraba is considered
a subsidiary of the Bank.
7.8.3 The market value of investments in listed subsidiaries, namely, Standard Chartered Modaraba and Standard Chartered Leasing Limited
at 31 December 2009 amounted to Rs 256.159 million (2008: Rs 178.92 million).
7.8.4 The bank in 2008 increased its holding in Standard Chartered Leasing Limited (SCLL) from 66.23% to 86.45%. The investment was made
to support the enhanced minimum capital requirement of the company as per the Securities and Exchange Commission of Pakistan
guidelines and to further strengthen its leasing business growth. The efforts and investment of the bank have recently started showing
results. SCLL has reported a profit for the six months period ended 31 December 2009.The bank based on the projections considers
that impairment, if any is not material. However, due to uncertainties involved with any projections, the bank has reduced the carrying value
of its investment to the net assets value of SCLL at 31 December 2009. Thus an impairment of Rs 75.625 million has been recorded.
8. ADVANCES - NET Note 2009 2008

(Rupees in ‘000)
Loans, cash credits, running finances, etc.
- In Pakistan 134,642,412 133,532,439
- Outside Pakistan - -
134,642,412 133,532,439
Bills discounted and purchased (excluding treasury bills)
- Payable in Pakistan 2,314,548 1,753,623
- Payable outside Pakistan 4,273,402 2,430,209
6,587,950 4,183,832
Advances - gross 141,230,362 137,716,271
Provision for non-performing advances 8.3 (16,783,638) (12,114,806)
Advances - net of provision 124,446,724 125,601,465
8.1 Particulars of advances
8.1.1 In local currency 118,982,028 121,624,887

124,446,724 125,601,465
8.1.2 Short term (for upto one year) 86,044,839 97,846,968

Long term (for over one year) 38,401,885 27,754,497
124,446,724 125,601,465


8.2 Advances include Rs 21,388.480 million (31 December 2008: Rs 16,534.389 million) which have been placed under non-performing status as detailed below:
200 9
Cl assi f i ed a dva nc es Pr ovi si on r eq ui red P ro vi sio n h el d
D om esti c Ov erse as Tota l D om est ic Ov ers eas To tal D om esti c O ver sea s To tal
- --- -- --- -- -- --- -- -- --- -- -- --- -- -- --- -- --- -- -- --- -- -- --- -- -- --- -- -- ( Rup ee s in ' 00 0) - --- -- -- --- -- -- --- -- --- -- -- --- -- -- --- -- -- --- -- --- -- -- --- -- -- --- -- -- --- -- -- -
Ca teg o ry of cl ass if i ca tio n
S ubs ta n da rd 3 ,9 65, 96 0 3 ,9 65, -96 0 99 0, 118 9 90, 118 99 0, 118 990, 118 - -
D oubt fu l 2 ,5 59, 42 4 2 ,5 59, -42 4 1,1 49, 50 7 1, 149 ,5 07 1 ,1 49, 50 7 1, 14 9,5 07 - -
L os s 1 4, 863, 09 6 1 4, 863-,0 96 1 3, 346 ,0 08 13, 34 6,0 08 1 3, 346 ,0 08 13, 34 6, 008 - -
2 1, 388, 48 0 2 1, 388-,4 80 1 5, 485 ,6 33 15, 48 5,6 33 1 5, 485 ,6 33 15, 48 5, 633 - -
Gene ra l Pr ov is ion 1,2 98, 00 5 1, 298 ,0 05 1- ,2 98, 00 5 1, 29 8,0 05 -
2 1, 388, 48 0 2 1, 388-,4 80 1 6, 783 ,6 38 16, 78 3,6 38 1 6, 783 ,6 38 16, 78 3, 638 - -
200 8
Cl ass if i ed a d van ces P ro vis io n re qu ir ed P r ovi si on h el d
D o mes t ic O v ers ea s To ta l D om es tic Ov ers ea s Tota l D ome st ic Ov er se a s Tot a l
----- ---------- ---------- ----------- ---------- ----------- ---------- ---------- ----- ( R upees in ' 000 ) --- ---------- ----------- ---------- ---------- ----------- ---------- ----------
-----------
S ubs ta n da rd 5 ,4 81, 65 3 5 ,4 81, 65 3 1,3--87, 15 0 1, 387
- ,1 50 1 ,3 87, 15 0 1, 38 7,1 50 - -
D oubt fu l 2 ,9 53, 29 3 2 ,9 53, 29 3 1,1 82, 29 6 1, 182 ,2 - 96 1 ,1 82, 29 6 1, 18 2,2 96 - -
L os s 8 ,0 99, 44 3 8 ,0 99, 44 3 7,7 49, 94 3 7, 749 ,9 43 -7 ,7 49, 94 3 7, 74 9,9 43 - -
1 6, 534, 38 9 1 6, 534-,3 89 1 0, 319 ,3 89 10, 31 9,3 89 1 0, 319 ,3 89 10, 31 9, 389 - -
Gene ra l Pr ov is ion 1,7 95, 41 7 1, 795 ,4 17 1 ,7 95, 41 7 1, 79 5,4 17 - -
1 6, 534, 38 9 1 6, 534-,3 89 12, 114 ,8 06 12 ,11 4, 806 12, 114 ,8 06 12 ,1 14, 806 - -
8.2.1 At 31 December, 2009, the provision requirement has been reduced by Rs. 749.951 million (31 December 2008: Rs. 318.5 million) due to 40 percent (31
December, 2008: 30 percent) benefit of Forced Sale Value (FSV) of commercial, residential and industrial properties (land and building only) held as collateral,
accordance with the requirements specified by SBP BSD Circular 10 dated 20 October 2009. The said FSV benefit is not available for distribution of cash
in
and
stock dividend.
8.3 Particulars of provision against non-performing advances - all in local currency
20 09 200 8
S p eci f ic G en era l To tal S pecif ic G ener a l Tot a l
- -- -- --- -- -- --- -- --- -- -- --- -- -- --- -- -- --- ( R up ee s i n ' 000 ) - --- -- -- --- -- -- --- -- --- -- -- --- -- -- --- -- -- --- -- -
Op ening ba la nce 1 0, 319 ,3 89 1, 79 5, 417 12 ,11 4,8 06 7 ,4 79, 49 8 4, 06 9, 036 11 ,5 48, 534
Cha r ge for the y ea r 8, 492, 96 9 9, 150 ,8 306 57, 861 13, 116 ,9 16 2, 25 4, 851 15, 37 1, 767
R ever s a ls ( 561 ,6 40) ( 1, 155 ,2 73) (1 ,7 16, 91 3) (2 31, 760 ) ( 4, 528, 47 0) (4 ,7 60, 230 )
7, 931, 32 9 ( 49 7, 412 ) 7, 433 ,9 17 1 2, 885 ,1 56 ( 2, 273, 61 9) 10 ,6 11, 537
Am oun ts writ t en o ff ( 2 ,7 46, 838 ) (2 ,7 46, 83 8) - ( 9, 741 ,3 96) (9 ,7 41, 396-)

Ot her m ov em ents ( 18, 24 7) ( 18 ,2 47) - (3 03, 869 ) ( 303 ,8 69) -
Cl os in g b al an ce 1 5, 485 ,6 33 1, 29 8, 005 16, 78 3, 638 1 0, 319 ,3 89 1, 79 5, 417 12 ,1 14, 806
8.4 Particulars of write offs 2009 2008

(Rupees in '000)
8.4.1 Against provisions 2,746,838 9,741,396

Charged and written off during the year 2,797,334 -
5,544,172 9,741,396
8.4.2 Write-offs of Rs. 500,000 and above 720,400 632,347

Write-offs of below Rs. 500,000 4,823,772 9,109,049
5,544,172 9,741,396
8.5 Details of loans written-off of Rs. 500,000 and above
In terms of sub-section (3) of section 33A of the Banking Companies Ordinance, 1962, the statement in respect of written-off loans or any other financial relief
five hundred thousand rupees or above allowed to a person(s) during the year ended 31 December 2009 is given in Annexure 1.
of

Note 2009 2008
8.6 Particulars of loans and advances to directors, (Rupees in ‘000)

associated companies, etc.
(i) Debts due by directors, executives or officers of the

bank or any of them either severally or jointly with any other persons
Balance at beginning of the year 2,384,219 2,144,282

Loans granted during the year 3,337,204 1,252,176
Repayments (2,956,565) (1,012,239)
Balance at end of the year 2,764,858 2,384,219
(ii) Debts due by companies or firms in which the

directors of the bank are interested as directors,
partners or in the case of private companies as members
Balance at beginning of the year - 852,738

Loans granted during the year - 3,959,906
Repayments - (4,812,644)
Balance at end of the year - -
(iii) Debts due by subsidiary companies, controlled firms,

managed modarabas and other related parties
Balance at beginning of the year 1,169,715 310,358

Repayments (6,114,370) (2,767,947)
Balance at end of the year 217,652 1,169,715
9. OPERATING FIXED
ASSETS
Capital work-in-progress 9.1 68,349 96,741
Property and equipment 9.2 6,927,435 3,789,534
6,995,784 3,886,275
9.1 Capital work-in-progress
Civil works 18,004 25,483

Advance payment towards property and equipment 47,162 66,753
Consultants' fee and other charges 3,183 4,505
68,349 96,741


9.2 Property and equipment 2009

Land and Leased Furniture, Vehicles Total
buildings on hold fixtures and
freehold land improvements office
equipment
-------------------------------- (Rupees in '000)----------------------------------
Cost / Valuations
At 1 January 2009 3,184,054 463,580 3,372,504 74,733 7,094,871
Additions during the year 23,658 97,289 95,514 10,577 227,038
Revaluation surplus recorded 3,150,127 - - - 3,150,127
Transfers / write offs (1,042,151) 831,756 (40,430) 110 (250,715)
Deletions (111) (2,730) (36,242) (9,349) (48,432)
At 31 December 2009 5,315,577 1,389,895 3,391,346 76,071 10,172,889
Depreciation
At 1 January 2009 755,182 249,683 2,259,181 41,291 3,305,337
Charge for the year 72,149 90,801 468,777 13,319 645,046
Revaluation adjustments* (449,612) - - - (449,612)
Transfers / write offs (377,638) 203,457 (37,662) 110 (211,733)
Deletions (81) (2,647) (35,433) (5,423) (43,584)
At 31 December 2009 - 541,294 2,654,863 49,297 3,245,454
Net book value 5,315,577 848,601 736,483 26,774 6,927,435
2008
Cost
At 1 January 2008 2,779,322 493,315 2,941,557 183,502 6,397,696
Additions during the year 488,826 - 645,327 5,651 1,139,804
Acquisition - - 715 6,230 6,945
Transfers / write offs (84,094) - (171,446) - (255,540)
Deletions - (29,735) (43,649) (120,650) (194,034)
At 31 December 2008 3,184,054 463,580 3,372,504 74,733 7,094,871
Depreciation
At 1 January 2008 655,596 263,362 1,931,609 70,831 2,921,398
Acquisition - - 520 2,597 3,117
Deletions - (15,464) (35,971) (52,896) (104,331)
At 31 December 2008 755,182 249,683 2,259,181 41,291 3,305,337
Net book value 2,428,872 213,897 1,113,323 33,442 3,789,534
Rate of depreciation 6 .6 7% 6. 67 % 14 .2 8% - 3 3. 33% 20 %
* The revaluation adjustments relate to the accumulated depreciation as at the revaluation date that was eliminated against the gross carrying amount of
the
revalued buildings.

9.3 The Bank's land and buildings were revalued by an independent accredited professional valuer, Iqbal A. Nanjee & Co. (Private) Limited. The valuation
performed
by the valuer was based on active market prices, adjusted for any difference in the nature, location or condition of the specific land and building. The date
of
revaluation was 31 December 2009. The revaluation has resulted in a net surplus of Rs. 3,599.739 million over the book value. If the owned land and buildings
were measured using the cost model, the carrying amounts would have been as follows:
2009
(Rupees in ‘000)
Cost 2,165,450
Accumulated (449,612)
depreciation
Carrying amount 1,715,838
The movement in surplus on revaluation of fixed assets is given in note 20.1 to the financial
statements.
9.4 As at 31 December 2009, the gross carrying amount of fully depreciated property and equipment still in use amounted to Rs. 2,233.888
million
(2008: Rs. 1,883.476 million).
9.5 Depreciation rates for furniture, fixtures and office equipment are as
follows:
Furniture and fixtures 33.33 percent
Printers 33.33 percent
Other office equipment 20
percent
Computer equipment 33.33 percent
ATM machines 14.28 percent
9.6 Details of disposal of fixed assets whose original cost or book value exceeds Rs. 1 million or Rs 250,000, which ever is less, and assets disposed of to the
Chief Executive or to a director or to executives or to a shareholder holding not less than 10% of the voting shares of the bank or to any related party,
irrespective
of value, are given below:
Parti cu l ars C os t Ac cu mu la ted Bo o k S al e Ga in / ( L os s) M o de o f Di sp osa l Parti cu l ars o f Purc ha ser

de pr ec ia tio n va lu e Pro c eed s o n S al e
-- -- --- -- -- -- --- -- -- -- --- -- -( Rs. '0 00) -- --- -- -- --- -- -- -- --- -- -- -- --- -
Le as e ho ld im pr ove me nts 1 ,3 31 1, 30 4 2 7 52 2 5 T ender M/ s . Farh an & Com pany
Fu rn i ture , f i xtu res 4 ,1 60 3, 95 5 20 5 4 51 24 6 T ender M/ s . Farh an & Com pany

an d o f f ic e eq u ip me nt 3 ,8 14 3, 81 4 - 2 45 24 5 T ender M/ s . Farh an & Com pany
2 ,0 49 1, 92 1 12 8 1 61 3 3 In su rance Claim New Hamp s hire Ins ur ance Co mp any
7 ,8 00 7, 73 9 6 1 6 87 62 6 T ender M/ s . Dilawar & B r ot her s
1 ,3 73 1, 37 3 - 1 30 13 0 T ender M/ s . M oham mad Ib rah im Os m an S oom r o
1 ,3 60 1, 34 8 1 2 73 6 1 T ender M/ s . Farh an & Com pany
2 ,7 67 2, 75 7 1 0 60 5 0 T ender M/ s . Ilyas Hus s ain So om ro
7 ,2 90 7, 26 7 2 3 2 22 19 9 T ender M/ s . M uham mad S hahid S oo mr o
2 ,7 95 2, 79 5 - 9 9 T ender M/ s . M uham mad S hahid S oo mr o
4 19 13 3 28 6 4 04 11 8 Ne got iation Anis Ah med & Br os .
Ve hi cl es 5 60 18 7 37 3 3 96 2 3 E m ploy ee Se rv ice R ules Car S old t o Rau f J ama Veh # . LED0 7-65 15
5 76 18 2 39 4 4 99 10 5 E m ploy ee Se rv ice R ules Car S old t o Zar ak M oor aj Veh #. AP D-384
5 60 20 5 35 5 3 81 2 6 E m ploy ee Se rv ice R ules Ca r S ol d to S heree n H us s a i n V eh # . AN V-701
9 07 33 2 57 5 6 16 4 1 E m ploy ee Se rv ice R ules Car S old t o Ab id Sult an Veh #. LEF07 -63 59
5 60 29 6 26 4 2 99 3 5 E m ploy ee Se rv ice R ules Car S old t o Re za As gh ar Veh #. LWL - 053 0
5 60 24 3 31 7 4 57 14 0 E m ploy ee Se rv ice R ules Car S old t o Sh ahab Anw er Veh # . LT - 7 85
1 ,6 95 79 4 90 1 1 ,2 15 31 4 E m ploy ee Se rv ice R ules Car S old t o Umair Ab bas i Veh #. A NW- 391
40 ,5 76 36, 64 5 3, 93 1 6 ,3 57 2, 42 6
Ite ms hav ing book v alue o f les s t han R s. 250 ,0 00 and co s t of les s than R s . 1, 00 0, 000 .
Land and B uilding s

on f ree hold land 1 11 8 1 3 0 7 (2 3)
Leas e hold im pr ov em ents 1 ,3 99 1, 34 3 5 6 58 2
Fur nitu re, fix tur es and
of fice eq uipm ent 2 ,4 15 2, 33 1 8 4 1 ,1 88 1, 10 4
Vehic les 3 ,9 31 3, 18 4 74 7 1 ,8 21 1, 07 4
7 ,8 56 6, 93 9 91 7 3 ,0 74 2, 15 7
48 ,4 32 4 3, 58 4 4, 84 8 9 ,4 31 4, 58 3


10 INTANGIBLE ASSETS
2009
Goodwill Core Customer Brand Computer Total
deposits relationships names Software
intangible intangible
----------------------------------------------- (Rs. in '000) ----------------------------------------
Cost
At 1 January 2009 26,095,310 1,982,413 774,680 389,400 300,198 29,542,001
Transfers / write offs - - - - (8) (8)
At 31 December 2009 26,095,310 1,982,413 774,680 389,400 300,190 29,541,993
Depreciation
At 1 January 2009 -
1,195,382 497,065 91,066 223,428 2,006,941
Charge for the year -
326,190 112,270 38,932 31,496 508,888
Transfers / write offs -
- - - (8) (8)
At 31 December 2009 - 1,521,572 609,335 129,998 254,916 2,515,821
Net book value 26,095,310 460,841 165,345 259,402 45,274 27,026,172
2008
Cost
At 1 January 2008 26,095,310 1,982,413 774,680 389,400 311,963 29,553,766
Deletions - - - - (11,765) (11,765)
At 31 December 2008 26,095,310 1,982,413 774,680 389,400 300,198 29,542,001
Depreciation
At 1 January 2008 - 775,586 336,570 52,140 155,618 1,319,914
Charge for the year - 419,796 160,495 38,926 76,084 695,301
Deletions - - - - (8,274) (8,274)
At 31 December 2008 - 1,195,382 497,065 91,066 223,428 2,006,941
Net book value 26,095,310 787,031 277,615 298,334 76,770 27,535,060
Rate of amortisation 20%
10.1 As at 31 December 2009, the cost of fully amortised intangible assets (computer software) still in use amounted to Rs. 130.679 million
(2008:Rs. 119.404 million).
10.2 The recoverable amount for the purpose of assessing impairment on goodwill on acquisition of Union Bank Limited was based on value
in use. The calculations are based on cash flow projections based on budgets and forecasts approved by the management covering three
year period. These are then extrapolated to a further period of 17 years using a steady long term forecast GDP growth rate and a terminal
value determined based on a long term earnings multiple. The cash flows are discounted using a pre-tax discount rate which reflects the
current market rate appropriate for the business. For the calculation as at 31 December 2009, the bank has used a long term forecast
GDP growth rate of 4.3 percent and a discount rate of 26.5 percent. The management believes that any reasonable possible changes
to the key assumptions on which calculation of recoverable amount is based, would not cause the carrying amount to exceed the
recoverable amount.

11 DEFERRED TAX ASSETS -

NET
The following are major deferred tax assets / (liabilities) recognised and movement thereon:
2009
At 1 (Charge) / Debit/ At 31
Note January credit to profit (credit) December
2009 and loss to equity/ 2009
other
comprehensive
income
(Rupees in '000)
Available for sale investments 674,715 - (417,179) 257,536

Accumulated business losses 81,225 (81,225) - -
Provisions for loans and advances 11.1 4,240,183 2,114,555 - 6,354,738
Other assets 1,581 (6,235) - (4,654)
Fixed assets (387,607) 10,788 - (376,819)
Surplus on revaluation of Fixed Assets - - (41,173) (41,173)
Goodwill (1,281,253) (726,301) - (2,007,554)
Actuarial gains on retirement benefits (30,114) - 7,492 (22,622)
3,298,730 1,311,582 (450,860) 4,159,452
2008
At 1 (Charge) / Debit/ At 31
January credit to profit (credit) December
2008 and loss to equity/ 2008
other
comprehensive
income
(Rupees in '000)
Available for sale investments 155,102 - 519,613 674,715

Accumulated business losses - 81,225 - 81,225
Provisions for loans and advances 4,041,987 198,196 - 4,240,183
Other assets (6,576) 8,157 - 1,581
Fixed assets (353,949) (33,658) - (387,607)
Deposits 14,060 (14,060) - -
Sub-ordinated loans (22,979) 22,979 - -
Other liabilities 11,492 (11,492) - -
Goodwill (604,589) (676,664) - (1,281,253)
Actuarial gains on retirement benefits (33,531) 6,896 (3,479) (30,114)
3,201,017 (418,421) 516,134 3,298,730
11.1 The Finance Act, 2009 has made significant amendments in the Seventh Schedule to the Income Tax Ordinance, 2001.
Through these amendments, the deduction for provisions for advances and off balance sheet items will be allowed up to
1 percent of the total advances. Provisioning in excess of 1 percent would be allowed to be carried over to succeeding
years. The amount of bad debts classified as substandard under Prudential Regulations issued by the State Bank of Pakistan
would not be allowed as an expense. The amendments are applicable for financial year ended 31 December 2009.
Pakistan Bank Association (PBA) vide its’ letter dated 17 November 2009 has also suggested the Federal Board of Revenue
(FBR) to restore the original provision of the Seventh Schedule, whereby entire provision for bad debts created as per the
requirements of Prudential Regulations issued by the State Bank of Pakistan were allowed as a deduction, except provision
for bad debts created in case of substandard category. PBA, as a matter of interim measure, has suggested FBR to increase
the threshold of 1 percent to 5 percent in case of consumer loans and advances to SMEs, and 2 percent in case of all
other advances for the time being, in view of the Government's current fiscal considerations.


The management has carried out an exercise at year end and concluded that they would be able to get deduction of
provision in excess of 1 percent of total advances, and accordingly have recognized a deferred tax asset on such provision
amounting to Rs. 2,114 million.
The amendments introduced in the Seventh Schedule do not provide for any transitional mechanism i.e. how and when
the provision for bad debts disallowed up to 31 December 2008 would be allowed as a deduction. FBR vide its letter
dated 23 December 2009 informed ICAP regarding its decision to insert transitional provisions in the Seventh Schedule,
however, till date no formal amendments have been made. The Institute of Chartered Accountants of Pakistan (ICAP) and
PBA have been following up the matter with FBR. However, pending the final resolution of the matter, ICAP also issued
Circular No. 1/2010 dated 13 January 2010 informing its’ members that the process of amending the Schedule requires
a due process at the FBR, and therefore ICAP considers that the process has already commenced and the reasonable
indications exist that the rule would be amended in due course.
Accordingly, the deferred tax asset recognized through 31 December 2008 relating to provisions for advances and off
balance sheet items amounting to Rs. 4,240 million has been carried forward.
Note 2009 2008

12 OTHER ASSETS (Rupees in ‘000)
Income / mark-up accrued in local currency 5,694,177 5,174,860

Income / mark-up accrued in foreign currencies 340,485 193,985
Advances, deposits, advance rent and other prepayments 760,475 1,094,677
Receivable from defined benefit plans 17,740 36,526
Receivable from defined contribution plans 111,047 -
Advance taxation (payments less provisions) 2,457,607 342,134
Branch adjustment account 302,169 95,981
Unrealized gain on forward foreign exchange contracts 240,051 1,038,660
Interest rate derivatives and currency option - positive fair value 2,868,180 6,212,144
Receivable from SBP / Government of Pakistan 192,475 410,193
Receivable from associated undertakings 48,283 55,787
Receivable from Standard Chartered Bank, Sri Lanka operations 84,601 162,210
Non-banking assets acquired in satisfaction of claims 107,303 107,303
Tax compensation under section 102 of the Income Tax Ordinance 160,653 160,653
Bank acceptances 8,437,213 3,673,564
Unsettled trades 40,247 104,490
Others 476,232 483,606
22,338,938 19,346,773
Less: Provision against other assets 12.1 (205,190) (107,303)
22,133,748 19,239,470
12.1 Provision against other assets
Opening balance 107,303 107,303

Charge for the year 69,469 -
Other movements 28,418 -
Closing balance 205,190 107,303
13 BILLS PAYABLE
In Pakistan 4,700,431 4,161,727

Outside Pakistan 144,207 134,693
4,844,638 4,296,420

14 BORROWINGS FROM FINANCIAL Note 2009 2008

INSTITUTIONS
(Rupees in ‘000)
In Pakistan 15,711,132 8,666,891

15,747,326 8,695,730
14.1 Particulars of borrowings with respect to currencies

In foreign currencies 36,194 28,839
15,747,326 8,695,730
14.2 Details of borrowings secured / unsecured
Secured
Borrowings from State Bank of Pakistan
under Export Refinance (ERF) scheme 14.2.1 9,337,309 5,996,980
Repurchase agreement borrowings (Repo) 14.2.2 4,778,239 -
State Bank of Pakistan - LTFF 493,298 219,667
State Bank of Pakistan - LTF - Export Oriented Projects 14.2.5 146,879 239,092
14,755,725 6,455,739
Unsecured
Call borrowings 950,000 2,200,000
Overdrawn nostro accounts 14.2.6 41,601 39,991
15,747,326 8,695,730
14.2.1 Mark-up on Export Refinance (ERF) from State Bank of Pakistan is charged at 6.5 percent to 7 percent (2008: 6.5 percent)
per annum, and includes Islamic Export Refinance scheme amounting to Rs. 114.300 million (2008: NIL). These loans
are secured against demand promissory notes executed by the Bank in favour of State Bank of Pakistan.
14.2.2 Repurchase agreement borrowings carry mark-up at rates ranging from 11.9 percent to 12.3 percent (2008: NIL percent
per annum).
14.2.3 Securities held as collateral against borrowings from financial institutions
2009 2008
(Rupees in '000)
Market Treasury Bills - 4,778,239 4,778,239 - - -
14.2.4 The market value of securities held as collateral against borrowings from financial institutions amounted to Rs. 4,783.696
million (2008:Nil).
14.2.5 Mark-up on Long Term Finance for Export Oriented Projects (EOP) from State Bank of Pakistan is charged at rates ranging
from 7 percent to 7.25 percent (2008: 4 percent to 7 percent) per annum. These loans are secured against promissory
notes executed by the Bank in favour of State Bank of Pakistan.
14.2.6 These include overdrawn nostro accounts with branches of Standard Chartered Bank PLC, UK outside Pakistan amounting
to Rs. 36.075 million (2008: Rs. 28.590 million).


15 DEPOSITS AND OTHER ACCOUNTS Note 2009 2008

(Rupees in ‘000)
Customers
- Fixed deposits 58,401,746 51,228,362
- Savings deposits 79,299,603 61,960,411
- Current accounts (non-remunerative) 67,475,564 59,507,796
- Margin accounts 753,904 1,156,891
- Special exporters' account 240,396 157,004
206,171,213 174,010,464
Financial
Institutions
- Non-remunerative deposits 15.1 786,737 541,337
206,957,950 174,551,801
15.1 This includes Rs. 334.559 million (2008: Rs. 108.826 million) for balances of branches of Standard Chartered Bank PLC,
UK operating outside Pakistan.
Note 2009 2008

15.2 Particulars of deposits (Rupees in ‘000)

206,957,950 174,551,801
16 SUB-ORDINATED LOANS
Term Finance Certificates issued 16.1 1,523,000 1,710,300
16.1 The Bank has issued subordinated Term Finance Certificates in three issues. The first issue of Rs 750 million was fully
repaid during FY 2008. The outstanding second and third issues of Rs 750 million and Rs 1,000 million respectively are
unsecured and are subordinated to the depositors and other creditors of the bank, and carry the following terms:
Year of Issue Second Issue Third Issue

Rating 2003 2005
Rate AAA AAA
0.75% above 2.00% above
the cut-off yield the six months
of last Karachi Inter-
successful Bank Offered
auction of five Rate ("KIBOR")
years PIB prevailing one
working day
prior to the
beginning of
each semi
annual period
Floor 5% -
Ceiling 10.75% -
Repayment 7 years 7 years

17 OTHER LIABILITIES Note 2009 2008

(Rupees in ‘000)
Mark-up / return / interest payable in local currency 3,172,162 2,718,820

Mark-up / return / interest payable in foreign currencies 11,682 60,337
Accrued expenses 1,591,763 1,411,244
Advance payments 84,556 135,215
Sundry creditors 523,216 546,024
Unrealized loss on forward foreign exchange contracts 326,019 1,102,711
Unrealized loss on interest rate derivatives and currency options 10,174,486 12,288,361
Provision against cross currency swaps - 296,219
Payable to defined contribution plans - 10,304
Due to Holding Company 17.1 10,614,728 6,864,604
Unclaimed balances 16,957 16,409
Provision against off balance sheet obligations 17.2 86,518 76,762
Worker's Welfare Fund (WWF) payable 129,979 25,000
Short sell - Pakistan Investment Bonds 86,864 -
Unsettled trades -2,731,965
Others 799,299 648,248
36,055,442 32,605,787
17.1 Due to Holding Company
On account of reimbursement of executive and general administrative expenses 10,156,091 6,678,876

Others 458,637 185,728
10,614,728 6,864,604
17.2 Provision against off-balance sheet obligations

Charge / (reversal) for the year 19,976 (116,733)
Other movements (10,220) -
18 SHARE CAPITAL
18.1 Authorized
2009 2008
(Number of shares)
4,000,000,000 4,000,000,000 Ordinary shares of Rs.10 each 40,000,000 40,000,000
18.2 Issued, subscribed and paid-

up
2,939,785,018 2,939,785,018 Ordinary shares of Rs. 10 each
Fully paid in cash 29,397,850 29,397,850
931,800,003 931,800,003 Issued in terms of scheme

of amalgamation 18.3 9,318,000 9,318,000
3,871,585,021 3,871,585,021 38,715,850 38,715,850


18.3 These represent 892,554,151 shares of Rs 10 each issued and allotted at par to Standard Chartered Bank, United Kingdom
against transfer of entire undertaking of SCB Branch Business by SCB to the Bank, and 39,245,852 shares issued and allotted
at par credited as fully paid up to persons who were registered shareholders of Union Bank. These shares have been issued in
accordance with the scheme of amalgamation duly approved by State Bank of Pakistan on 4 December 2006.
18.4 At 31 December 2009, Standard Chartered Bank , United Kingdom, held 98.99% shares of the Bank.
Note 2009 2008

19 RESERVES
(Rupees in ‘000)
Share premium 19.1 1,036,090 1,036,090

Statutory reserve 19.2 910,275 776,402
1,946,365 1,812,492
19.1 This represents excess of fair value of the shares over par value of shares issued to registered shareholders of Union Bank
in terms of the amalgamation scheme.
19.2 In accordance with the Banking Companies Ordinance, 1962, the Bank is required to transfer twenty percent of its profit
of each year to a reserve fund until the amount in such fund equals the paid-up capital of the Bank.
20 SURPLUS / (DEFICIT) ON Note 2009 2008

REVALUATION
OF ASSETS - NET OF
TAX (Rupees in ‘000)
Surplus / (deficit) arising on revaluation
of:
Fixed assets 20.1 3,558,566 -
Available for sale securities 20.2 (478,281) (1,252,980)
3,080,285 (1,252,980)
20.1 Surplus on revaluation of fixed assets
Surplus on revaluation of land and buildings on

freehold land recorded during the year 3,599,739 -
Deferred tax liability on revaluation of land and buildings
on free hold land (41,173) -
3,558,566 -
20.2 Surplus / (deficit) on revaluation of Available for sale securities
Market Treasury Bills 69,332 16,020

Pakistan Investment Bonds (805,149) (1,943,776)
Listed shares - 61
(735,817) (1,927,695)
Related deferred tax asset 257,536 674,715

(478,281) (1,252,980)
21. CONTINGENCIES AND

COMMITMENTS
21.1 Transaction-related contingent liabilities
Guarantees issued favouring:

- Government 34,059,679 25,540,102
- Others 13,209,874 9,800,921

Note 2009 2008

21.2 Trade-related contingent liabilities (Rupees in ‘000)
Letters of credit 20,169,332 13,911,460
21.3 Other contingencies
Claims against the Bank not acknowledged as debt 21.3.1 12,045,661 5,488,481
21.3.1 This includes claims for penal interest and additional surcharge amounting to Rs. 128.345 million (2008: 112.180 million)
claimed by Customs authorities in respect of certain bank guarantees issued on behalf of a customer in favour of Collector
of Customs, Government of Pakistan. The guarantees remaining outstanding against the said customer at 31 December
2009 amount to Rs. 80.827 million (2008: 80.827 million).
The bank has referred the claims to Alternate Dispute Resolution (ADR) Committee, where it is yet to come up for a hearing.
The bank considers that the above amounts are not payable and if it is required to settle the claims, it would be able to
recover them from the customer.
21.4 Commitments in respect of forward foreign exchange contracts 2009 2008

(Rupees in ‘000)
Purchase
State Bank of Pakistan 16,284,600 11,142,750
Other banks 26,262,941 28,183,357
Customers 3,067,658 3,367,331
Sale
State Bank of Pakistan 842,000 -
Other banks 23,597,145 21,355,404
Customers 1,108,140 3,147,982
The maturities of the above contracts are spread over a period of one year.
21.5 Commitments to extend credit
The bank makes commitments to extend credit in the normal course of its business but these being revocable commitments
do not attract any significant penalty or expense if the facility is unilaterally withdrawn.
21.6 Commitments in respect of operating leases
Not later than one year 2,369 8,982

Later than one year and not later than five years - 320


21.7 Derivative instruments
21.7.1 Product analysis 2009

Rupees in ’000
Interest Rate Swaps FX Options
No. Notional No. Notional
Counterparties Contracts Principal Contracts Principal *
With Banks for

Hedging - - - -
Market Making 52 64,985,955 208 3,931,538
With FIs other than

banks Hedging - - - -
Market Making 3 2,700,000 - -
With other entities for

Hedging - - - -
Market Making 65 77,808,804 208 3,931,538
Total
Hedging - - - -
Market Making 120 145,494,759 416 7,863,076
2008 Total Market Making 147 292,012,336 40 16,215,220
* At the exchange rate prevailing at the end of the reporting period
Contracts with banks represent contracts entered with branches of Standard Chartered Bank, UK to obtain cover against
the contracts with customers, except for 18 contracts having notional principal of Rs 26,133 million with local banks.
21.7.2 Maturity analysis
Interest Rate Swaps

Remaining No. of Notional Mark to Market
Maturity Contracts Principal Negative Positive Net
Rupees in '000
Upto 1 month 4 1,385,822 (146,736) 29,589 (117,148)

1 to 3 months 3 158,634 (2,199) - (2,199)
3 to 6 months 1 600,000 (457) 4 (453)
6 month to 1 year 27 8,636,049 (57,257) 165,411 108,154
1 to 2 year 20 4,822,567 (24,663) 270,571 245,908
2 to 3 years 17 29,264,617 (4,359,892) 394,735 (3,965,157)
3 to 5 years 47 74,564,470 (5,115,897) 1,524,202 (3,591,695)
5 to 10 years 11 26,062,600 (242,614) 382,814 140,200
Above 10 years - - - - -

22 MARK-UP / RETURN / INTEREST 2009 2008

EARNED
(Rupees in ‘000)
On loans and advances to customers 18,688,275 17,737,322
On loans and advances to financial institutions 141,004 357,874
On investments in: i) Held for trading securities 34,734 119
ii) Available for sale securities 7,124,259 3,502,544
On deposits with financial institutions / State Bank of Pakistan 34 64,382
On securities purchased under resale agreements 664,611 1,515,931
On call money lending 323 129,270
26,653,240 23,307,442
23 MARK-UP / RETURN / INTEREST

EXPENSED
Deposits 9,148,183 5,752,432
Securities sold under repurchase agreements 470,940 238,958
Call borrowings 24,329 337,438
Borrowings from State Bank of Pakistan under
Export Refinance (ERF) scheme 500,938 252,010
Term Finance Certificates (sub-ordinated loans) 224,938 308,062
10,369,328 6,888,900
24 GAIN / (LOSS) ON SALE OF

SECURITIES
Pakistan Investment Bonds 32,964 (345,097)
467,339 (335,299)
Equity (2,971) (10,022)

Securities 464,368 (345,321)
25 OTHER INCOME
Rent on property 3,339 6,098

Gain on disposal of fixed assets 4,583 14,211
Income on interest rate derivatives and others 309,088 1,052,934
317,010 1,073,243


26 ADMINISTRATIVE Note 2009 2008

EXPENSES
(Rupees in ‘000)
Salaries, allowances etc. 3,918,555 3,806,449
(Income) / charge for defined benefit plans (2,620) 29,368
Contributions to defined contribution plans 131,350 239,092
Rent, taxes, insurance, electricity etc. 869,222 855,771
Legal and professional charges 118,291 90,778
Communications 503,016 609,876
Repairs and maintenance 626,062 909,648
Rentals against hire / operating lease arrangements 28,211 29,845
Stationery and printing 170,177 199,272
Advertisement and publicity 216,035 185,777
Donations 26.1 22,341 25,975
Auditors' remuneration 26.2 17,238 15,683
Travelling, conveyance and vehicles' running 95,015 144,288
Reimbursement of executive and general administrative expenses 3,477,215 3,419,894
Others 900,310 463,593
12,244,352 12,424,711
26.1 Details of the donations given in excess of Rs. 100,000 are given below:
Donee
Institute of Business Administration (IBA) 13,000 -
The Citizen Foundation 3,350 15,137
Care Foundation 1,774 3,500
Rizwan Scholars 1,500 1,250
Behbud Association 600 1,200
Pakistan Institute of Corporate Governance 500 -
Jinnah Society 500 -
NAPA Repertory Theatre Company 400 -
The English Speaking Union of Pakistan 200 -
Aga Khan Foundation 200 -
Network of organizations working for people with disabilities Pakistan 100 -
The Kidney Center - 1,500
K. Rauf Associates - 529
Lahore University of Management Sciences - 500
Shaheed Zulfiqar Ali Bhutto Institute of Sciences & Technology - 500
City Institute of Image Management - 250
Rotary Club of Karachi Charitable Trust - 250
Athletics Federation of Pakistan - 219
Corps Horticulture Committee - 200
Sampurna - 200
Federal Government School - 134
Constellation Plus (Private) Limited - 100
The Kaghan Memorial Trust - 100
26.2 Auditors' remuneration

Audit fee 15,450 13,734
Fee for audit of pension, gratuity and provident funds 358 200
Special certifications and others 530 765
Taxation services 400 285
Out-of-pocket expenses 500 699
17,238 15,683

27 OTHER CHARGES Note 2009 2008

(Rupees in ‘000)
Loss on sale of Srilanka branch operations 27.1 77,610 -

(Reversal) / charge against fine and penalties imposed by SBP (52,823) 131,202
Worker's Welfare Fund (WWF) 104,976 25,000
129,763 156,202
27.1 Consequent to Sale and Purchase Agreement (SPA) signed between Standard Chartered Bank, Sri Lanka (SCBSL) and
Standard Chartered Bank (Pakistan) Limited (SCBPL), the Sri Lanka branch operations of SCBPL were amalgamated with
SCBSL with effect from close of business on 10 October 2008. A closing audit of the branch was carried out at 10 October
2008, which identified additional losses (net of recoveries and other items recorded subsequent to 10 October 2008) of
Rs. 77.610 million. According to the terms of SPA, ‘unproductive debts’, ‘staff of SCBPL who are not retained by the
purchaser’, 'their corresponding housing loans’ and ‘assets arising from litigation which cannot be assigned’ are held in
trust with SCBSL. In case any recoveries are made or costs are incurred in respect of assets held in trust, these would
be passed on to SCBPL.
28 TAXATION 2009 2008

(Rupees in ‘000)
For the year
- Current 1,808,667 -
- Deferred (1,385,905) 418,421
422,762 418,421
For prior years'

- Current 99,829 (2,573)
- Deferred 74,323 -
174,152 (2,573)
596,914 415,848
28.1 Relationship between tax expense and accounting profit
Tax at the applicable tax rate of 35% (2008: 35%) 443,198 366,725
Dividend income at reduced rate (1,948) -
Expenses that are not deductible in determining taxable income (18,488) 55,013
Prior year provision 174,152 (2,573)
Others - (3,317)
596,914 415,848
28.2 Standard Chartered Bank (Pakistan)

Limited
The return for the income year 2009 (tax year 2010) is due for filing by September 30, 2010.
The department has amended the return filed for tax year 2009 under section 122 (5A) of the Income Tax Ordinance, 2001
on 31 December 2009, raising a demand of Rs. 2,233 million. The management is in the process of filing an appeal against
the disallowances, and considers that the additional liability is the result of timing differences and no additional provision is
required.
The department has further amended the return filed for tax year 2008 under section 122 (5A) of the Income Tax Ordinance,
2001 on 31 December 2009 raising an additional demand of Rs. 893 million. The Bank is in the process of filing an appeal
against the additional demand.
Previously, the department has amended the return filed for the same year under section 122 (5A) of the Income Tax
Ordinance, 2001 on 30 January 2009 raising an additional demand of Rs.1,150 million. The management has already filed
an appeal against the disallowances.
Management also considers that the additional liability is the result of timing differences and no additional provision is required.

28.3 Standard Chartered Bank – Branch Operations
The income tax assessments of SCB Pakistan branches have been finalized up to and including tax year 2006. Bank’s /
departmental appeals for the assessment / tax years 1976-77 to 2006 are pending before different appellate levels.
Management expects favorable decision on pending appeals.
The department has amended the return filed for the year 2006 (tax year 2007) under section 122 (5A) of the Income Tax
Ordinance, 2001 on 29 October 2009 raising a demand of Rs. 570 million.
The management has filed an appeal against the disallowances, and considers that the additional liability is the result of
timing differences and no additional provision is required.
28.4 Union Bank Limited
Union Bank's tax assessments for the assessment years 1993-94 through tax year 2007 are under various stages of appeal
against certain disallowances.
The department has amended the return filed for the year 2003 (Tax year 2004) under section 122 (5A) of the Income Tax
Ordinance, 2001 on 28 September 2009 raising a demand of Rs. 771million. The management has filed an appeal against
the disallowances.
The department has also amended the return filed for the year 2006 (tax year 2007) under section 122 (5A) of the Income
Tax Ordinance, 2001 on 29 October 2009 raising a demand of Rs. 762 million. The management has filed an appeal
against the disallowances.
The management has booked a prior year provision of Rs. 174 million in FY 2009, and considers that the remaining demand
was arbitrary and / or as a result of timing differences. Accordingly, the management believes that no further provision is
required.
In case of the assessments for 2005 and 2006, an additional demand of Rs. 1,347 million has been raised, which has
been reversed by a favorable decision by the Commissioner of Income Tax (Appeals). The tax department is in appeal
before the Tribunal.
29 EARNINGS PER SHARE - BASIC AND DILUTED 2009 2008

(Rupees in ‘000)
Weighted average number of ordinary shares in issue during the year 3,871,585,021 3,871,585,021
(Rupees)
Earnings per share - basic and diluted 0.17 0.16
30 CASH AND CASH EQUIVALENTS 2009 2008

(Rupees in ‘000)
Cash and balances with treasury banks 21,521,550 22,741,035

Balances with other banks 2,238,182 1,261,582
23,759,7332 24,002,617

2009 2008
31 STAFF STRENGTH
Number
Permanent 2,957 3,266
Temporary / on contractual basis / direct contracts 316
Bank's own staff at the end of year 2,960 3,282
Outsourced 2,082 3,029
Total staff strength 5,042 6,311
32 DEFINED BENEFIT
PLANS
32.1 General description
Non Management Staff Pension

Fund
The plan provides a pension calculated at 50% of the average pensionable salary after completing 30 years of service. The
employees of the bank are entitled to either pension or gratuity, but not both. However, the employees of ANZ Grindlays
Bank transferred to the bank are entitled to both pension and gratuity and the minimum number of years required for
entitlement of pension is 25 years for these employees. Pension is calculated as 1/120 times the last drawn merged salary
for each year of service.
Non Management Staff Gratuity Fund
The plan provides a lump sum gratuity calculated at one month's salary for each completed year of service (maximum 39
months) after completing 5 years of service. For the employees of ex-ANZ Grindlays Bank, the plan provides a lump sum
calculated at 50% of last drawn merged salary for each completed year of service (maximum 36 months) after completing
5 years of service. However, if the employee is not entitled for pension, the percentage is increased to 100%. The employees
of SCB are entitled to either pension or gratuity, but not both.
Management Staff Pension

Fund
The plan is closed to active employees. The entire liability is in respect of existing pensioners.
32.2 Principal Actuarial Assumptions
The last actuarial valuation of the scheme was carried out on 31 December 2009 and the key assumptions used for actuarial
valuation were as follows:
2009 2008
Discount rate 12.5% p.a. 14% p.a.

Expected rate of increase in salary in future years 12.5% p.a. 11% p.a.
Expected rate of return on plan assets 12.5% p.a. 14% p.a.
Expected long term rate of increase in pension 6.5% p.a. 8% p.a.
Mortality rate LIC (1975-79) ultimate mortality LIC (1975-79) ultimate
table rated down one year mortality table
Withdrawal rate Light Light


32. 3 Rec on ci l ia tio n o f p a yab le / ( re ce iva bl e) to / f ro m d ef i ne d b en ef i t pl an
S CB N on M an ag em en t SC B No n M an ag em en t S CB M an ag em en t Un io n Ba nk Tota l
Pen si on Fu nd Gr atu ity F un d Pe ns io n F un d Gr atu ity F un d
2 009 200 8 20 09 2 008 200 9 20 08 20 08* 2 009 200 8
( Ru pe es i n ' 000 )
Pr es ent v alue of de fined b enefit obligat ions 58, 69 950, 29 6 3 5, 574 22 ,7 85 42, 66 739, 24 5 - 136 ,9 40 11 2, 3 26
Fair v alue of plan as s ets ( 72, 88 8) ( 72 ,6 94) (3 4, 931 ) (28 ,9 42) ( 46, 86 1) (4 7, 216 ) - (1 54, 68 0) (1 48, 85 2)
As s et r ecog nis ed in B alance S heet ( 14, 18 9) ( 22 ,3 98) 643 (6 ,1 57) ( 4, 19 4) ( 7, 971 ) - ( 17, 74 0) ( 36, 52 6)
32. 4 Mo vem en t i n d ef i ne d b en ef i t ob l ig ati on
Oblig ation as at 1 J anuar y 50, 29 6 56, 12 4 2 2, 785 20 ,4 59 39, 24 54 4, 282 123 ,0 83 112 ,3 26 24 3, 9 48
Cur rent s erv ice cos t 21 9 19 0 968 7 99 - - - 1 ,1 87 9 89
Inter es t co st 6, 65 45, 31 1 3, 162 2 ,0 68 5, 10 6 4, 116 - 14 ,9 22 1 1, 4 95
Ben efit s p aid ( 6, 15 7) (5 ,9 65) -- ( 6, 17 1) (5, 64 8) - ( 12, 32 8) ( 11, 61 3)
Cur tailm ent s and s et tle men ts - - - - -- (12 3, 083 ) - (1 23, 08 3)
Act uar ial ( gain) / los s o n o bligat ion 7, 68 7(5 ,3 64) 8, 659 (5 41) 4, 48 7 ( 3, 505 ) - 20 ,8 33 (9, 41 0)
Oblig ation as at 31 Dece mb er 58, 69 9 50, 29 6 3 5, 574 22 ,7 85 42, 66 739, 24 5 - 136 ,9 40 11 2, 3 26
32. 5 Mo vem en t i n f a ir va lu e o f p l an a sse ts
Fair v alue as at 1 J anuar y 72, 69 470, 44 1 2 8, 942 23 ,9 84 47, 21 6 85 ,5 97 153 , 161 148 ,8 5233 3, 1 83
Ex pect ed re tur n on plan as s ets 9, 59 96, 67 4 4, 024 2 ,4 04 5, 10 64 ,1 16 - 18 ,7 29 1 3, 1 94
Cont rib utio n b y t he b ank -- -- - (3 3, 280 ) - - ( 33, 28 0)
Ben efit s p aid ( 6, 15 7) (5 ,9 65) -- ( 6, 17 1) ( 5, 648 ) - ( 12, 32 8) ( 11, 61 3)
Cur tailm ent s and s et tle men ts - - -- - - (15 3, 161 ) - (1 53, 16 1)
Act uar ial gain / (lo ss ) o n p lan ass et s ( 3, 24 8) 1, 54 4 1, 965 2 ,5 54 71 0 (3 ,5 69) - ( 57 3) 5 29
Fair v alue as at 3 1 Decem ber 72, 88 8 72, 69 4 3 4, 931 28 ,9 42 46, 86 147, 21 6 - 154 ,6 80 14 8, 8 52
32. 6 Mo vem en t i n ( re ce iva bl e) / pa yab l e f ro m / to d ef i ne d b en ef i t
Balanc e as at 1 J anuar y ( 22, 39 8) ( 14 ,3 17) ( 6, 157 ) (3 ,5 25) ( 7, 97 1) (41 ,3 15) (3 0, 078 ) ( 36, 52 6) ( 89, 23 5)
Char ge for the y ear ( 2, 72 6) (1 ,1 73) 106 4 63 - - - ( 2, 62 0) (71 0)
Cont rib utio n t o the f und dur ing t he y ear -- -- - 33, 28 0 - - 3 3, 2 80
Cur tailm ent s and s et tle men ts - - -- -- 30 ,0 78 - 3 0, 0 78
Act uar ial ( gain) / los s o n p lan ass et s 10, 93 5(6 ,9 08) 6, 694 (3 ,0 95) 3, 77 7 6 4 - 21 ,4 06(9, 93 9)
Balanc e as at 31 De cem ber ( 14, 18 9) ( 22 ,3 98) 643 (6 ,1 57) ( 4, 19 4) (7 ,9 71) - ( 17, 74 0) ( 36, 52 6)
32. 7 Ch arg e f o r de f in ed be ne f it p la n
Cur rent s erv ice cos t 21 919 0 968 7 99 - - - 1 ,1 879 89

Inter es t co st 6, 65 4 5, 31 1 3, 162 2 ,0 68 5, 10 6 4, 11 6 - 14 ,9 221 1, 4 95
Ex pect ed re tur n on plan as s ets ( 9, 59 9) (6 ,6 74) ( 4, 024 ) (2 ,4 04) ( 5, 10 6) (4 ,1 16) - ( 18, 72 9) ( 13, 19 4)
Cur tailm ent s and s et tle men ts - - -- -- 30 ,0 78 - 3 0, 0 78
( 2, 72 6) (1 ,1 73) 106 4 63 - - 30 ,0 78 ( 2, 62 0) 2 9, 3 68
32. 8 Actu al r etu rn o n p l an a sse ts
- E xp ecte d ret ur n o n p lan ass et s 9, 59 9 6, 67 4 4, 024 2 ,4 04 5, 10 6 4, 11 6 - 18 ,7 29 1 3, 1 94

- A ct uarial gain / (los s ) on p lan as s et s ( 3, 24 8) 1, 54 4 1, 965 2 ,5 54 71 0 (3 ,5 69) - ( 57 3) 5 29
6, 35 18, 21 8 5, 989 4 ,9 58 5, 81 65 47 - 18 ,1 56 1 3, 7 23
32. 9 Cu mu la tive a mo u nt o f a ctu ar ial ga in s

/ ( lo sse s) r eco g in is ed i n sta tem en t of
re co gn is ed i n co me a nd exp en se 29, 15 3 40, 08 8 ( 4, 249 ) 2 ,4 45 39, 73 043, 50 7 - 64 ,6 348 6, 0 40
32. 10 Ex pe cte d c on tri bu ti on s f or n ex t y ear - - - -
32. 11 Co mp on en ts o f p l an a sse ts as a p erc en tag e o f t ota l p la n as sets
Bo nds 76% 9 7% 109 % 121 % 92 % 54 % 0%

Cas h an d net cur r ent as s ets 24% 3% 24 % 19 % 8% 47 % 0%
Ot hers 0% 0% - 33 % -40 % 0% -1 % 0%
*Union B ank G rat uity Fund has b een m erg ed with and in to S CB M anag eme nt S taf f Gr atu ity Fund (Def ined Co ntr ibut ion Plan ) eff ectiv e 1 J anuar y 20 08.

2009 2008 2007 2006 2005

--------- ------------------------------------(Rupees in '000)-------------------------------------------
32.12 Five year data on surplus/ (deficit) of the plans and

experience adjustments
Present value of defined benefit 136,940 112,326 243,948 278,940 263,831

obligation
Fair value of plan assets 154,680 148,852 333,183 494,838 484,956
Surplus 17,740 36,526 215,898 221,125 378,679
Experience adjustments on
plan
liabilities - loss / (7,621) (7,620) (26,188) (6,675) (10,023)
(gain)
plan
assets - loss / (gain) 3,566 (3,027) (22,440) 7,094 14,574
33 SHARE BASED PAYMENTS
The Bank participated in the following share compensation plans for the acquisition of shares in the ultimate holding company, Standard Chartered Plc.
The
market value of shares are denominated in pounds sterling at the time of
grant.
i) International Sharesave Scheme
The International Sharesave Scheme was first launched in 1996 and made available to all employees of the Bank. Employees have the choice
of
opening a three-year or a five-year savings contract. Within a period of six months after the third or fifth anniversary, employees may exercise
the
awards and receive any benefit in cash; alternatively, the employee may elect to have the saving, plus interest, repaid in cash. The price at
which
they may purchase shares is at a discount of up to 20 percent on the share price at the date of the inviation. There are no performance
conditions
attached to options granted.The options granted do not confer any right to participate in any share issue of any other
company.
Movements in the number of share options held by the Bank's employees are as follows:
Weighted average Weighted

exercise average
exercise price
2009 price
£ per share 2008 £ per share
Number ('000) Number ('000)
At 1 January 119 9.92 78 11.07

Granted during the year 22 11.46 30 11.62
Exercised during the year (23) 8.93 (3) 7.43
Lapsed during the year (6) 9.78 (1) 10.35
Adjusment due to right issue - 15
At 31 December 112 10.44 119 9.92
The weighted average price at the time the options were exercised during 2009 was £14.07 (2008:
£17.71).
2009 2008
W ei gh ted ave ra ge r ema in i ng l i f e W eight ed av erag e r em aining lif e

Wei g hte d
ave rag e N o. of E xp e cte d Co ntr ac tua l Weight ed av er age No. of op tion s Ex pect ed Con tr actu al
R an ge o f exe rci se p ri ce ex erc ise pr ic e o pt io ns ye ars yea rs ex er cis e p ric e ye ars year s
£6.5/£11.46 9.31 112 2.16 9.92 119 3.33/5.33 2.42
The intrinsic value of vested International Sharesave cash-settled awards as at 31 December 2009 was 17,601 thousand (2008: Rs 115 thousand).
ii) Restricted Share Scheme
The Restricted Share Scheme is a discretionary share incentive scheme for high performing and high potential staff at any level of the
organisation
whom the Group wishes to motivate and retain. Except upon appointment when an executive director may be granted an award of restricted
shares,
the Restricted Share Scheme is not applicable to the Group's executive directors, as it has no performance conditions attached to it. Fifty per
cent
of the award vests two years after the date of the grant and the remainder after three years. The awards granted under this scheme are nil
cost
options with any benefit payable in cash. The options granted do not confer any right to participate in any share issue of any other
company.


Movements in the number of share options held by the Bank's employees are as follows:-

exercise average
exercise price
2009 price
At 1 January 85 - 70 -
Granted during the year 34 - 31 -
Exercised during the year (13) - (14) -
Lapsed during the year (7) - (13) -
At 31 December 99 - 85 -
The weighted average price at the time the options were exercised during 2008 was £10.782 (2008: £16.02).
2009 2008
We ig h ted a ver ag e re ma in in g l if e W eight ed aver age r em aining life
W ei gh ted
a ver ag e No . o f E xp ec ted C on tra ctu al W eight ed av erag e No. o f opt ions E xp ecte d Cont rac tual
Ra ng e o f e xe rci se p ri ce exe rci se p ri ce op ti on s yea rs ye ar s ex ercis e pr ice y ear s y ear s
N/A - 99 7 5.04 - 85 7 5.05
The intrinsic value of vested Restricted Share Scheme cash-settled awards as at 31 December 2009 was Rs 49,002 thousand (2007 Rs: 15,486
thousand).
iii) Supplementary Restricted Share Scheme
The Group operates a Supplementary Restriced Share Scheme which can be used to defer part of an employee's annual bonus in shares.
The
plan is principally used for employees in the global markets area and is similar to the RSS outlined above for three important factors:
executive
directors are specifically prohibited from the plan; no new shares can be issued to satisfy awards; and there is no individual annual
limit.

exercise average
exercise price
2009 price
At 1 January 5- - -
Granted during the year -- 4 -
Exercised during the year -- - -
Lapsed during the year -- - -
Adjusment due to right issue -- 1 -
2009 2008
We ig h ted a ver ag e re ma in in g l if e W eight ed aver age r em aining life
W ei gh ted
a ver ag e No . o f E xp ec ted C on tra ctu al W eight ed av erag e No. o f opt ions E xp ecte d Cont rac tual
Ra ng e o f e xe rci se p ri ce exe rci se p ri ce op ti on s yea rs ye ar s ex ercis e pr ice y ear s y ear s
N/A - 5 7 5.42 - 5 7 6.42
There are no vested cash settled awards as at 31 December 2009. (2008: Nil).

iv) Executive Share Option Scheme (closed)
The Executive Share Option Scheme is an intrinsic part of the Group's executive directors' and senior managers' total remuneration. An
EPS
performance criterion needs to be met before the options can be exercised. Executive share options are exercisable after the third, but before
the
tenth anniversary of the date of grant with any benefit payable in cash. The exercise price is based on the the share price at the date of grant
and
options can normally only be exercised if a performance condition is satisfied. The options granted do not confer any right to participate in
any
share issue of any other company.

exercise average
exercise price
2009 price
At 1 January 1 8.19 1 9.36

Granted during the year - - - -
Exercised during the year - - - -
Lapsed during the year - - - -
At 31 December 1 8.19 1 8.19
2009 2008
W ei gh ted ave ra ge r ema in i ng l i f e Weight ed av erag e r em aining lif e

Wei g hte d
ave rag e N o. of E x pe cte d Co ntr ac tua l Weigh ted av er age No. of op tion s Ex pect ed Co ntr act ual
R an ge o f exe rc ise p ri ce ex erc is e pr ic e o pt io ns ye ars yea rs ex er cis e p ric e ye ars year s
£8.19 - 1 5 4.18 8.19 1 5 5.2
The intrinsic value of vested Executive Share Option Scheme cash-settled awards as at 31 December 2009 was Rs 946 thousand (2008: Rs 115
thousand).
v) Performance Share Plan
The Performance Share Plan is designed as an intrinsic part of total remuneration for the Group's executive directors and for a small number of
the
Group's most senior executives. The awards granted under this scheme are nil cost options. Certain performance criteria need to be met
before
the options can be exercised.
The option granted do not confer any right to participate in any share issue of any other
company.
2009 2008
At 1 January 61 44
Granted during the year 27 24
Exercised during the year - (15)
Lapsed during the year (3) -
At 31 December 85 61
2009 2008
W ei gh ted ave ra ge r ema in i ng l i f e Weight ed av erag e r em aining lif e

Wei g hte d
R an ge o f exe rc ise p ri ce ex erc is e pr ic e o pt io ns ye ars yea rs ex er cis e p ric e ye ars year s
N/A - 85 - 8.01 0 61 0 8.41
The intrinsic value of vested Performance Share Plan cash-settled awards as at 31 December 2009 was Rs. 31,169 thousand (2008: Rs. Nil).
vi) The total expense recognised in respect of above schemes amounted to Rs. 171.79 million (2008: Rs. 17.85 million) and is included in
managerial
remuneration.


34 COMPENSATION OF CHIEF EXECUTIVE AND

EXECUTIVES
Note Chief Executive Directors Executives
2009 2008 2009 2008 2009 2008
------------------------------------(Rupees in '000)------------------------------------
Director's remuneration / fees 34.1 - - 3,225 3,250 - -

Managerial remuneration 34.3 96,763 33,248 -- 1,631,721 977,376
Contribution to defined
contribution plan 2,986 2,986 -- 128,271 99,007
Rent and house maintenance 6,515 6,515 -- 25,515 217,232
Utilities - - -- 6,173 54,291
Medical 1,631 1,629 -- 6,182 5,814
Others 916 - -- 48,559 48,547
108,811 44,378 3,225 3,250 1,846,421 1,402,267
Number of persons 11 34 655 626
34.1 The director's remuneration / fees represents remuneration paid to the Bank's 3 non-executive directors (2008: 4) for
attending Board and Sub-Committee meetings.
34.2 The Chief Executive is entitled to Bank provided free use of furnished accommodation. The Chief Executive and some
of the executives are also provided with Bank maintained cars. In addition, the Chief Executive and some of the
executives are also reimbursed for cost of medical expenses and other benefits like club subscription, education etc.
34.3 Managerial remuneration includes charge against share compensation plan.
35. FAIR VALUE OF FINANCIAL

INSTRUMENTS
On-balance sheet financial
instruments
Except for investment in subsidiaries, unlisted companies, fixed term advances of over one year, staff loans and fixed
term deposits of over one year, the fair value of on balance sheet financial assets and liabilities are not significantly
different from their book value as these assets and liabilities are either short term in nature or are frequently re-priced.
The fair value of fixed term advances of over one year, staff loans, fixed term deposits of over one year and investment
in equity of unlisted companies cannot be calculated with sufficient reliability due to non-availability of relevant active
market for similar assets and liabilities. The fair value of investment in quoted subsidiaries is disclosed in note 7.12.3 to
these financial statements.

36 SEGMENT DETAILS WITH RESPECT TO BUSINESS

ACTIVITIES
Segment analysis with respect to business activity
Global Corporate and Consumer Total

markets institutional banking
banking
2009 (Rupees in '000)
Internal Income (6,025,316) (2,960,665) 8,985,981 -

Net mark-up / return / interest 8,122,587 6,160,970 2,000,355 16,283,912
income
Non mark-up / non interest income 2,752,092 1,461,146 2,670,003 6,883,241
Operating income 4,849,363 4,661,451 13,656,339 23,167,153
Non mark-up / non interest expenses 1,278,358 3,262,832 7,941,376 12,482,566
Operating profit before provisions and taxation 3,571,005 1,398,619 5,714,963 10,684,587
Direct write-offs / provisions against non-performing
loans and advances - net of recoveries - 3,859,066 5,485,791 9,344,857
Provision / (reversal) for diminution in the value of
investments - net 73,451 - - 73,451
Profit before taxation 3,497,554 (2,460,447) 229,172 1,266,279
Other segment items:
Depreciation of tangible fixed assets 53,064 61,087 530,895 645,046
Amortisation of intangible assets 15,607 86,021 407,260 508,888
Segment assets (gross) 145,633,628 128,401,421 55,905,269 329,940,318
Segment non performing loans - 13,099,803 8,288,677 21,388,480
Segment provision required - 10,295,204 6,488,434 16,783,638
Segment liabilities 27,939,477 82,414,947 154,773,932 265,128,356
Segment return on net assets (ROA) (%) * 2.40% -2.08% 0.46% 0.40%
Segment cost of funds (%) ** 7.55% 6.33% 3.86% 4.83%
2008
Internal Income (2,414,595) (2,274,028) 4,688,623 -

Net mark-up / return / interest income 5,115,539 5,311,137 5,991,866 16,418,542
Non mark-up / non interest expenses 674,296 2,211,620 9,735,078 12,620,994
Provision for diminution in the value of investments - net 3,308 - - 3,308
Profit before taxation 4,508,762 (744,856) (2,670,926) 1,092,980
Segment assets (gross) 103,970,220 114,238,287 58,523,477 276,731,984
Segment non performing loans - 10,531,699 6,002,690 16,534,389
Segment provision required - 7,424,420 4,690,386 12,114,806
Segment liabilities 26,082,779 56,277,217 139,500,042 221,860,038
Segment return on net assets (ROA) (%) * 4.34% -0.70% -4.96% 0.41%
* Segment ROA = Net income / (Segment assets - Segment provisions)
** Segment cost of funds have been computed based on the average balances.
The business activities of the Bank are confined to three segments i.e. Consumer Banking, Global Markets and Corporate & Institutional Banking
(Wholesale
Banking). The products and services offered by these segments are as follows:
Global Markets
Overall management of the treasury of the Bank and offering various cash and interest risk management products to the customers. The products
include
FX forwards, FX options and interest rate swaps.
Consumer Banking
Wealth management, deposits, mortgages, auto finance, unsecured lending (credit cards, personal loans etc.) and SME lending (including SME
trade).
Corporate and institutional banking
Deposits, trade and other lending activities for corporates and financial
institutions.


37 RELATED PARTY TRANSACTIONS
Related parties comprise of Standard Chartered Plc., ultimate parent company, its other subsidiaries and branches, key management
personnel, and employees' retirement benefit funds. The transactions with related parties are conducted at commercial terms. The bank
also provides advances to employees at reduced rates in accordance with their terms of employment.
The transactions and balances with related parties are summarised as follows:
2009 2008
OUTSTANDING BALANCES (Rupees in ‘000)

Group
Nostro balances with other subsidiaries and branches of the holding company 2,179,389 975,202
Overdrawn nostro balances with other subsidiaries and branches of the holding company 36,075 28,590
Vostro balances with other subsidiaries and branches of the holding company 334,559 108,826
Placements with group 17,121,847 18,991,225
Deposits of group companies 16,056 16,420
Due to holding company 10,614,728 6,864,604
Due from associated undertakings 132,884 217,997
Interest receivable from group companies 6,773 19,725
Inter-company derivative assets 794,789 2,433,755
Inter-company derivative liabilities 896,575 1,298,316
Subsidiaries
Deposits of subsidiaries 42,126 44,797
Loans to subsidiaries 87,183 1,067,399
Accrued interest receivable 575 50,871
Other receivables 2,815 -
Key management personnel

Loans and advances to key management personnel 130,470 99,716
Deposits of key management personnel 21,469 69,732
Others
Deposits by staff retirement benefit funds 26,613 180,647
Deposits by customers with common directorship - 2,624
Loans to staff retirement benefit funds -2,600
Receivable from / (payable to) defined contribution plans 111,047 (10,304)
PROFIT AND LOSS
Group
Mark-up / interest expensed 5,239 222,020
Mark-up / interest / income earned 129,198 311,256
Fee and commission expense 36,760 24,575
Fee and commission income 72 43
Payment to group company for direct sales services rendered 673,974 915,215
Net loss / (gain) on inter-company derivatives 1,237,225 (947,015)
Royalty expense 76,724 58,526

Sale of shares - 377
Sale of vehicles - 3,467
Salaries and benefits 314,446 222,372
Post retirement benefits 14,204 13,177

2009 2008
(Rupees in ‘000)
Subsidiaries
Lease rentals paid 6,933 7,802
Administrative expenses (including rent and other charges) 8,892 7,272
Reimbursement of salaries 5,360 6,983
Others
Contribution to defined contribution plans 238,700 239,092
Charge for defined contribution plans 131,350 239,092
Net (income) / charge for defined benefit plans (2,620) 29,368
Mark-up / interest expensed on deposits of staff retirement benefit funds 11,226 6,722
Mark-up / interest expensed on deposits of customers with common directorship 315,994 24,959
Remuneration / fee paid to non-executive directors 3,225 3,250
37.1 Net movements in loans and deposits are summarised as follows:
Balance as at Net Net Balance as at

31 December disbursement / repayments / 31 December
2008 deposits withdrawals 2009
--------------------------------------(Rupees in '000)--------------------------------
Loans and advances
Key management personnel 99,716 65,837 (35,083) 130,470
Subsidiaries 1,067,399 5,095,270 (6,075,486) 87,183
Others 2,600 1,200 (3,800) -
Deposits
Group companies 16,420 676,529 (676,894) 16,056
Subsidiaries 44,797 3,470,407 (3,473,079) 42,126
Key management personnel 69,732 475,027 (523,289) 21,469
Others 183,271 76,619,714 (76,776,371) 26,613
38. CAPITAL ASSESSMENT AND ADEQUACY
38.1 Capital structure
The Bank's lead regulator, State Bank of Pakistan (SBP) sets and monitors capital requirements for the Bank as a whole. Effective 31
December 2008, SBP has advised all banks to calculate their capital requirements based on Basel II accord under the standardised
approach.
The transition to the 'Advanced Approaches' of Basel II has been made discretionary for banks, and is subject to prior written approval
from SBP.
In implementing the current capital requirements, SBP requires the Bank to maintain a prescribed total capital to total risk-weighted assets
ratio. As at the year end, SBP's minimum prescribed capital adequacy ratio is 10 percent. The Bank's ratio is compliant with this minimum
benchmark.


The Bank calculates its capital requirement for market risk in its portfolio, based on the methodology provided by SBP which takes account of
specific and general market risk capital charge for interest rate risk using the duration method.
Banking operations are categorised in either the trading book or the banking book, and risk-weighted assets are determined according to specified
requirements that seek to reflect the varying levels of risk attached to assets and off-balance sheet exposures.
The Bank’s regulatory capital is analysed into three tiers:
- Tier I capital, which includes ordinary share capital, capital and other reserves (except exchange translation reserve), minority interest, and
unappropriated profit. Goodwill and other intangibles are deducted from tier I capital.
- Tier II capital includes sub-ordinated debt, revaluation reserves on assets and impairment allowances that are not held against identified
debts. Sub-ordinated debt is limited to 50 percent of tier I capital. Information on the terms, conditions and other features of the Bank's
sub-ordinated debt currently in issue is given in note 16 to these financial statements. Revaluation reserves are eligible upto 45 percent
for treatment as tier II capital. There is also a restriction on the amount of impairment allowances that are not held against identified debts
upto 1.25 percent of total risk weighted assets.
- Tier III supplementary capital consists of short term sub-ordinated debt solely for the purpose of meeting a proportion of the capital
requirements for market risk. The Bank currently does not have any tier III capital.
Total of tier II and III capital is limited to tier I capital. 50 percent of the amount of investments in subsidiaries and associates not consolidated on
the balance sheet is deducted from both tier I and tier II capital.
2009 2008
(Rupees in ‘000)
Tier I Capital
Fully paid-up capital 38,715,850 38,715,850
Balance in share premium account 1,036,090 1,036,090
General reserves as disclosed on the balance sheet 910,275 776,402
Un-appropriated profit 4,003,356 3,481,778
Less:
Book value of goodwill and other intangibles (27,026,172) (27,535,060)
Shortfall in provision required against classified assets - -
Deficit on account of revaluation of investments held in
AFS category - (1,252,980)
Other deductions (50 percent of investments in equity and other
regulatory capital of majority owned securities or other
financial subsidiaries not consolidated in the balance sheet) (370,732) (408,545)
Total Tier I Capital------------> 17,268,667 14,813,535
Tier II Capital
Sub-ordinated debt - upto maximum of 50 percent of 'Total eligible
Tier 1 capital' 704,040 1,083,720
General provisions or general reserves for loan losses - upto
maximum of 1.25 percent of 'Risk Weighted Assets' 1,298,005 1,658,178
Revaluation reserves (upto 45 percent) 1,288,765 -
Less:
Other deductions (50 percent of investments in equity and
other regulatory capital of majority owned securities or
other financial subsidiaries not consolidated in the balance sheet) (370,732) (408,545)
Total Tier II Capital------------> 2,920,078 2,333,353
Total Regulatory Capital Base 20,188,745 17,146,888

38.2 Capital Adequacy
The Bank’s capital management approach is driven by its desire to maintain a strong capital base to support the development of its
business, to meet regulatory capital requirements at all times and to maintain good credit ratings, maximising shareholder value and at the
same time maintaining investor, creditor and market confidence.
The capital position is reviewed and monitored by the Asset and Liability Committee (ALCO) of the Bank. Regular reviews help to ensure
that adequate levels of capital and an optimum mix of the different components of capital are maintained by the Bank to support the
strategy. This is integrated with the Bank’s annual planning process that takes into consideration business growth assumptions across
products and business segments and the related impact on capital resources.
The following matters are taken into account while reviewing the Bank's capital position:
a) regulatory capital requirements;

b) forecast demand for capital to maintain the credit ratings;
c) increases in demand for capital due to business growth, market shocks or stresses;
d) available supply of capital and capital raising options;
e) internal controls and governance for managing the Bank’s risk, performance and capital; and
f) maximisation of shareholder value.
The Bank is also in the process of developing and documenting its three year capital plan as part of its Internal Capital Adequacy Assessment
Process (ICAAP) for Basel II, which will also be submitted to SBP. The ICAAP lays down each material risk to be assessed, the relevant
mitigants to be considered, and appropriate level of capital required. This process aims to ensure that a strong governance culture and
framework is embedded in the capital planning and assessment methodology and is frequently revisited.
The bank adheres to the calculation of capital requirements for credit, market and operational risk as per the guidelines of SBP, for Basel II.
For credit risk, the Bank uses the 'Standardized Approach'. The Bank uses reputable and SBP approved rating agencies (ECAIs) for deriving
risk weights for specific credit exposures. These are consistently applied across the Bank's credit portfolio for both on and off balance
sheet exposures. The ECAIs used for rating various types of exposures are tabled in note 38.3 to these financial statements.
For the purposes of Credit Risk Mitigation under the 'Standardised Approach', the Bank follows the instructions laid down by SBP vide
their Circular No. 08 dated 27 June 2006 with regard to eligibility of collaterals, valuation and management. Where a transaction is secured
by an eligible collateral and meets the eligibility criteria and minimum requirements as laid down by SBP, the Bank reduces its exposure
under that particular transaction by taking into account the risk mitigating effect of the collateral for the calculation of capital requirement.
The Bank calculates its capital requirement for market risk in its portfolio, based on the methodology provided by SBP which takes account
of specific and general market risk capital charge for interest rate risk using the duration method.
For calculation of operational risk capital charge, the business activities of the Bank are divided into eight business lines: corporate finance,
trading and sales, retail banking, commercial banking, payments and settlement, agency services, asset management and retail brokerage.
The Bank's operations are mapped into these eight business lines as per the criteria laid down by SBP vide Circular No 08 dated 27 June
2006.
Within each business line, gross income is the broad indicator that serves as a proxy for the scale of business operations and thus the
likely scale of operational risk exposure within each of these business lines. The capital charge for each business line is calculated by
multiplying gross income by beta factors assigned by SBP to that business line. Beta serves as a proxy for the industry-wide relationship
between the operational risk loss experience for a given business line and the aggregate level of gross income for that business line.
The total capital charge is calculated as the three-year average of the simple summation of the regulatory capital charges across each of
the business lines in each year.
The 'Standardised Approach' is preferred over the 'Basic Indicator Approach' so as to arrive at a capital charge that is reflective of the
risks associated with each of the Bank's business lines.
The Bank's approach for mitigating operational risk is further detailed in note 39.8 to these financial statements.


The capital requirements for the Bank as per the major risk categories are indicated below:
Capital Requirements Risk Weighted Assets

31 December 31 December 31 December 31 December
2009 2008 2009 2008
Rupees in '000
Credit Risk
Portfolios subject to Standardized Approach' - Simple

Government of Pakistan and State Bank of Pakistan 4,781 - 47,810 -
Public Sector Entities 173,811 188,876 1,738,106 2,098,627
Banks 1,459,528 976,135 14,595,284 10,845,949
Corporate Portfolio 6,932,850 6,418,229 69,328,505 71,313,653
Retail Portfolio 1,784,653 2,440,507 17,846,533 27,116,748
Residential Mortgage Finance 187,982 209,401 1,879,820 2,326,682
Past Due Portfolio 533,489 515,069 5,334,886 5,722,987
All other Risk Weighted Assets 2,017,257 1,190,665 20,172,569 13,229,608
Market Risk
Capital Requirement for portfolios subject to 'Standardized Approach'

Interest Rate Risk 148,183 329,154 1,481,827 3,657,263
Foreign Exchange Risk 142,469 36,927 1,424,693 410,295
Operational Risk
Capital Requirement for operational risk - 'Standardised 4,069,640 3,137,366 40,696,401 34,859,621
Approach'
TOTAL 17,454,643 15,442,330 174,546,434 171,581,433
Capital Adequacy Ratio 2009 2008
Total eligible regulatory capital held (Note 38.1) 20,188,745 17,146,888

(a)
Total Risk Weighted Assets (b) 174,546,434 171,581,433
Capital Adequacy Ratio (a) / (b) 11.57% 9.99%
(Rupees in '000)
Credit Exposures subject to Standardised approach
2009 2008
Exposures Rating Amount Deduction Net Amount Deduction Net
Category outstanding* CRM amount outstanding* CRM amount
Corporate 0% - - - - - -
20% 12,298,453 8,702,960 3,595,493 18,054,287 13,784,681 4,269,606
50% 4,283,282 1,647,110 2,636,172 4,087,780 2,083,588 2,004,192
100% 1,965,897 - 1,965,897 3,028,320 709 3,027,611
150% - - - 1,129,730 1,129,730 -
Banks 0% - - - - - -
20% 22,722,050 19,424,704 3,297,346 51,038,061 43,325,583 7,712,478
50% 18,882,308 9,441,154 9,441,154 3,275,728 1,638,260 1,637,468
100% 406,992 - 406,992 781,770 - 781,770
150% 142,044 (71,022) 213,066 133,146 (66,573) 199,719
Sovereigns etc 0% - - - 366,095 366,095 -
20% 3,462,838 2,770,271 692,567 1,804,337 1,443,469 360,867
All Other Exposures 100% / 75% / 50% 251,449,915 142,755,088 108,694,827 192,805,153 80,097,176 112,707,978
Total 315,613,779 184,670,265 130,943,514 276,504,407 143,802,718 132,701,689
CRM= Credit Risk Mitigation
* Amount outstanding represents Original Exposure in the case of On-balance sheet items and the Credit Equivalent Exposure in the case of Off-balance sheet
items

38.3 Types of Exposures and ECAI's used
Corporate Banks Sovereigns

JCR - VIS 4 4 4
PACRA 4 4 4
STANDARD AND POORS 4 4 4
MOODY'S 4 4 4
FITCH 4 4 4
The Bank adheres to the mapping instructions issued by SBP on the Revised Regulatory Capital Framework under Basel
II, issued vide BSD Circular No. 8 of 2006 dated 27 June 2006, vide BSD Circular Letter No. 09 of 2007 dated 24 August
2007 and vide BSD Letter No. BSD/BAI-2/201/1141/2009 dated 2 December 2009 with regard to credit ratings to be
used. These are as follows:
LONG-TERM RATING GRADES

MAPPING
Risk Standard & Poors Moody’s Investors Fitch Ratings PACRA JCR VIS
Weightage Ratings Services Service
20% AAA Aaa AAA AAA AAA

AA+ Aa1 AA+ AA+ AA+
AA Aa2 AA AA AA
AA- Aa3 AA- AA- AA-
50% A+ A1 A+ A+ A+
A A2 A A A
A- A3 A- A- A-
100% BBB+ Baa1 BBB+ BBB+ BBB+
BBB Baa2 BBB BBB BB
BBB- Baa3 BBB- BBB- BBB-
100% BB+ Ba1 BB+ BB+ BB+
BB Ba2 BB BB BB
BB- Ba3 BB- BB- BB-
150% B+ B1 B+ B+ B+
B B2 B B B
B- B3 B- B- B-
150% CCC+ Caa1 CCC+ CCC+ CCC+
CCC Caa2 CCC CCC CCC
CCC- Caa3 CCC- CCC- CCC-
CC Ca CC CC CC
C C C C C
D - D D D
SHORT-TERM RATING GRADES MAPPING
20% A-1+ P-1 F1+ A-1 A-1

A-1 F1
50% A-2 P-2 F2 A-2 A-2
100% A-3 P-3 F3 A-3 A-3
150% B NP B Others Others
B-1 C
B-2 D
B-3
C


39 RISK MANAGEMENT
Through its risk management structure, the Bank seeks to manage efficiently the core risks: credit, market, country, and
liquidity risk. These arise directly through the Bank’s commercial activities whilst compliance and regulatory risk, operational
risk and reputational risks are normal consequences of any business undertaking.
The basic principles of risk management followed by the bank include:
Balancing risk and reward
Risk is taken in support of the requirements of the Bank’s stakeholders. Risk should be taken in support of the Bank's
strategy and within its risk appetite.
Responsibilit
y
Given the Bank is in the business of taking risk, it is everyone’s responsibility to ensure that risk taking is both disciplined
and focused. The Bank takes account of its social, environmental and ethical responsibilities in taking risk to produce a
return.
Accountability
Risk is taken only within agreed authorities and where there is appropriate infrastructure and resource. All risk taking must
be transparent, controlled and reported.
Anticipatio
n
The Bank looks to anticipate future risks and to maximise awareness of all risk.
Risk management
The Bank aims to implement best practices and have a specialist risk function of international standards, with strength in
depth, experience across risk types and economic scenarios. Ultimate responsibility for the effective management of risk
rests with the Company’s Board of Directors. Acting within an authority delegated by the Board, the Executive Committee
reviews specific risk areas and monitors the activities of the Risk Committee (“RC”) and the Asset and Liability Committee
(“ALCO”).
RC headed by Chief Risk Officer (CRO), through authority delegated by the Board, is responsible for credit risk, market
risk, operational risk, compliance and regulatory risk, legal risk and reputational risk. ALCO, through authority delegated by
the Board, is responsible for liquidity risk, for structural interest rate and foreign exchange exposures, and for capital ratios.
The day to day responsibility for managing risk rests with CRO who oversees and manages the risk through a team of
managers; Senior Credit Officer responsible for credit risk in Wholesale Bank, Head of Consumer Credit responsible for
credit risk in Consumer Bank (including SME), Head of Special Assets Management responsible for remedial risk management,
Head of Credit Risk Controls responsible for collateral management, security documentation, credit MIS and controls, Head
of Market Risk responsible for liquidity risk and risks associated with price movements, arising from interest and exchange
rate movements. The Bank has established policies, procedures, processes, and controls and have provided the Risk team
adequate support by way of risk systems and tools for measuring and reporting risk for monitoring, controlling, reviewing
and managing risk.

39.1 Credit risk
Credit risk is the risk that a counter party will not settle its obligations in accordance with agreed terms. Credit exposures
may arise from lending, trade finance, securities and derivative exposures. Credit exposures include both individual borrowers
and groups of connected counterparties and portfolios in the banking and trading books.
The Board of Directors has delegated down the authority to CEO and the Bank’s Executive Committee to establish risk
appetite and make recommendations to the Board for approval of risk appetite and policies for managing credit risk. The
CEO and the Executive Committee in turn rely on CRO and the Risk Committee to determine these and recommend for
their support and Board's approval. The CRO is also delegated down by the CEO responsibility to delegate credit authorities
to independent Risk Officers.
Credit risk appetite is established through business strategy papers and underwriting standards by the business managers,
which are approved by the Board once recommended, and supported by the Executive Committee.
Specific procedures for managing credit risk within Wholesale and Consumer (including SME) are determined at the Senior
Credit Officer and Head of Consumer Credit levels for their respective jurisdictions with specific policies and procedures
being adapted to different risk environments and business goals. Credit analysis includes review of facility details, credit
grade determination and financial spreading / ratio analysis. Portfolio review, Early Alerts and Stress Testing based on
scenario analysis is a combined responsibility of Client Relationship and Risk function. Client relationship origination and
credit approval roles are clearly segregated throughout Wholesale and Consumer Banks.
39.1.1 Wholesale Banking
Within the Wholesale Banking business, a numerical risk grading system is used for quantifying the risk associated with a
counter-party. The grading is based on a probability of default measure, with customers analysed against a range of
quantitative and qualitative measures. Expected Loss is used for further assessment of individual exposures and portfolio
analysis. There is a clear segregation of duties with loan applications being prepared separately from the approval chain.
39.1.2 Consumer Banking
For Consumer Banking, program based standard credit application forms are generally used, which are processed in central
units for different products and market segments. Medium enterprises relationship based business of Consumer Bank
operates much like Wholesale banking with numerical risk grading system for quantifying counter party risk. As with Wholesale
Banking, origination and approval roles are segregated.


39.1.3 Segment by class of business

2009
Advances - Gross Deposits Contingencies and

Commitments
(Rupees Percent (Rupees Percent (Rupees Percent
in '000) in '000) in '000)
Chemical and 7,806,043 5.53 6,625,432 3.20 4,945,654 7.33

pharmaceuticals
Agri business 2,345,602 1.66 103,348 0.05 - -
Textil 22,818,276 16.16 909,248 0.44 1,591,874 2.36
eCommunication 4,140,203 2.93 7,005,997 3.39 856,920 1.27
Insurance 70,705 0.05 1,608,955 0.78 - -
Telecommunications
and
information technology 4,815,892 3.41 5,063,616 2.45 5,031,744 7.46
Cement 5,934,649 4.20 6,577 - 451,509 0.67
Sugar 2,249,588 1.59 33,500 0.02 74,917 0.11
Automobile and transportation
equipment 1,603,693 1.14 3,637,500 1.76 2,457,378 3.64
Financial 5,690,961 4.03 2,889,060 1.40 45,031 0.07
Electronics and
electrical
appliances 3,912,261 2.77 4,731,243 2.29 4,747,693 7.04
Production and transmission
of energy 22,963,112 16.26 8,867,324 4.28 14,014,260 20.79
Shoes and leather garments 796,976 0.56 33,896 0.02 11,972 0.02
Individuals 29,314,697 20.76 118,671,424 57.32 500 -
Others 26,767,704 18.95 46,770,830 22.60 33,209,433 49.24
141,230,362 100.00 206,957,950 100.00 67,438,885 100.00
2008

Commitments
in '000) in '000) in '000)
Chemical and pharmaceuticals 3,335,695 2.42 3,403,212 1.95 4,654,227 9.45

Agri business 1,159,738 0.84 188,447 0.11 - -
Textile 17,974,972 13.05 595,403 0.34 1,527,289 3.10
Communication 6,551,879 4.76 5,820,832 3.33 3,603,723 7.32
Insurance 120,529 0.09 980,488 0.56 217,127 0.44
Telecommunications
and
information technology 51,850 0.04 2,270,454 1.30 20,481 0.04
Cement 6,591,715 4.79 11,304 0.01 481,962 0.98
Sugar 2,976,067 2.16 1,743 0.00 233,541 0.47
Automobile and transportation
equipment 6,690,892 4.86 2,724,497 1.56 2,619,635 5.32
Financial 2,770,230 2.01 3,294,385 1.89 12,957 0.03
Electronics and
electrical
appliances 1,740,878 1.26 1,950,013 1.12 3,745,902 7.61
Production and transmission
of energy 19,868,837 14.43 10,892,304 6.24 9,594,865 19.48
Individuals 38,097,197 27.66 100,986,038 57.85 3,140 0.01
Others 29,214,183 21.21 41,409,750 23.72 22,524,980 45.73
137,716,271 100.00 174,551,801 100.00 49,252,483 100.00

39.1.4 Details of non-performing advances and specific provisions

by class of business segment
2 0 09 2 0 08
Cl ass i fi ed Speci f ic C la ssi fie d S p ec if ic
Ad van ces Pr ov i si on Ad van c es Pr o vis ion
hel d h eld
------------------------ (Rupees in '000) -------------------------
Chemical and 186,004 164,447 495,744 165,525

pharmaceuticals
Agri business 1,800 1,800 2,440 2,440
Textil 7,092,549 6,399,357 5,655,131 4,368,539
e
Footwear and Leather garments 20,069 8,142 12,459 1,652
Automobile and transportation 614,614 398,251 829,157 276,099
equipment
Financial 41 41 40 40
Production and transmission of energy 550,431 285,592 491,735 126,463
Individuals 3,552,223 1,984,909 2,709,424 965,462
Others 9,370,749 6,243,094 6,338,259 4,413,169
21,388,480 15,485,633 16,534,389 10,319,389
39.1.5 Segment by sector

2009
Contingencies and
Advances Deposits Commitments
Rupees % Rupees % Rupees %
in '000 in '000 in '000
Public / Government 24,498,519 17.35% 4,024,707 1.94% 5,008,563 7.43%

Private 116,731,843 82.65% 202,933,243 98.06% 62,430,322 92.57%
141,230,362 100% 206,957,950 100% 67,438,885 100%
2008
Contingencies and
in '000 in '000 in '000

Private 124,442,758 90.36% 166,810,071 95.56% 41,857,845 84.99%
137,716,271 100% 174,551,801 100% 49,252,483 100%
39.1.6 Details of non-performing advances and specific provisions by sector
2 0 09 2 0 08
Cl ass i fi ed Speci f ic C la ssi fie d S p ec if ic
Ad van ces Pr ov i si on Ad van c es Pr o vis ion
hel d h eld
------------------------ (Rupees in '000) -------------------------
Public / Government - - - -
Private 21,388,480 15,485,633 16,534,389 10,319,389
21,388,480 15,485,633 16,534,389 10,319,389
39.1.7 GEOGRAPHICAL SEGMENT ANALYSIS

2009
Profit Total Net Assets Contingencies
before assets employed and
taxation employed Commitments
------------------------ (Rupees in '000) -------------------------
Pakistan 1,266,279 312,874,212 47,745,856 67,438,885

Sri Lanka - - - -
1,266,279 312,874,212 47,745,856 67,438,885
2008
taxation employed
Commitments
----------------------------- (Rupees in '000) ------------------------------
Pakistan 1,092,980 264,617,178 42,757,140 49,252,483
Sri Lanka (45,193) - - -
1,047,787 264,617,178 42,757,140 49,252,483


39.2 Market Risk
The Bank recognises market risk as the exposures created by potential changes in market prices and rates. Market risk
exposures arise primarily from interest rate and foreign exchange related contracts. The Bank has no significant exposure
to equity and commodity price risk.
Market risk is managed by the Head of Market Risk reporting directly to the CRO, who agrees policies and procedures
and levels of risk appetite in terms of Value at Risk ("VaR"). Limits are then proposed by the business within the terms of
agreed policy. These are agreed and delegated dow n by CRO under delegated authority from the CEO, and are monitored
by the Head of Market Risk as part of an independent risk management function. Policies cover both trading and non-
trading books.
In addition to market risk policies, as well as VaR and other market risk limits, independent stress testing of portfolios, factor
sensitivity measures and derivatives are also employed as additional risk management tools to manage and hedge market
risk exposures. Risk models are periodically back tested against actual results to ensure that pre-determined levels of
accuracy are maintained.
39.3 Foreign Exchange Risk

2009
Assets Liabilities Off-balance Net foreign
sheet items currency
exposure
(Rupees in '000)
Pakistan rupee 226,103,909 197,165,664 21,292,962 50,231,207

United States dollar 35,193,830 55,701,425 (18,573,036) (39,080,631)
Great Britain pound 4,130,602 4,116,567 (412,779) (398,744)
Euro 4,944,431 5,599,065 (1,480,749) (2,135,383)
Swiss Franc 18,163 17,134 (24,383) (23,354)
Others 37,430 50,921 (802,015) (815,506)
270,428,365 262,650,776 - 7,777,589
2008
exposure
(Rupees in '000)
Pakistan rupee 182,150,332 177,897,246 44,802,440 49,055,526

Euro 5,863,059 5,576,711 (4,498,219) (4,211,871)
Swiss Franc 16,596 16,596 (45,926) (45,926)
Others 248,211 71,400 (835,532) (658,721)
227,970,172 220,003,773 - 7,966,399
39.3.1 Currency risk is the risk that the value of a financial instrument will fluctuate due to changes in foreign exchange rates.
39.3.2 The management sets limits on the level of exposure by currency in total, for both overnight and intra day positions which
are monitored daily.

39. 4 MI S MAT CH O F I NT E RE S T R AT E S E N S IT I V E AS S E T S AN D LI ABI L I TI E S

20 09
Ef f ect iv e Tot al E x pos ed t o yi eld / int eres t rat e ri s k
y ie ld / Upt o one Ov er one Ov er t hree O ve r s ix O ver on e Ov er t w o Ov er t hree Ov er f iv e Ov er
Non
i nt eres t m ont h m ont h t o m ont hs m on th s y ear y ears y ears yea rs t en
int eres t
rat e t hree t o s ix t o o ne to two t o t hree t o f iv e t o t en y ears
beari ng
m ont hs m ont hs y ear y ears y ears y ears yea rs fi nanci al
in s tr um ent s
--- ----- ----- ----- ----- ------ ----- ----- ----- ----- ----- ----- ----- --( R upees in '000) ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ----- -----
On - ba la nc e sh e et fi na n cia l in s tr u men -----
ts
Ass et s
Cash an d b al anc es t wi
h tr easu ry b anks 0. 26 % 21 ,5 21 ,55 0 5 ,57 6, 90 5 - - - - - - - - 1 5, 94 4,6
B al anc es w
th i ot her ba 45
0. 00 % 2, 23 8,1 82 - - - - - - - - - 2 ,23 8,
nks
Len di ng s to fi nan ci al
tu itinston 18 2
3. 10 % 2 0,5 68 ,0 64 18 ,75 4, 65 8 1 ,8 13 ,40 6 - - - - - - -
Ii nv est me s - .18 % 8 3,7 84 ,5 36 2 3, 26 7,0 63 2 8, 14 5,9 75 1 1, 86 3,6 65 1 0, 03 3,6 81 3, 81 9,1 46 1,5 98 ,5 84 1,9 58 ,6 97 2, 27 0,9 27 -
12 8
nts
A dv an ces 26 ,7 98
14 .27 % 1 24 ,4 46 ,72 4 6 4,3 48 ,4 12 2 9,8 65 ,6 00 1 8,1 82 ,4 66 2, 93 1,7 55 1, 88 7,0 98 72 7, 28 5 4 03 ,6 78 61 2, 93 7 88 2,6 51 4 ,60
Oth er asset s 4, -84 2 17 ,86 9, 30 9 - - - - - - - - - 1 7, 86 9,3
09 2 70 ,4 28 ,36 5 11 1,9 47 ,0 38 59 ,8 24 ,98 1 30 ,0 46 ,13 1 12 ,9 65 ,43 6 5 ,7 06 ,24 4 2 ,32 5, 86 9 2 ,3 62 ,37 5 2,8 83 ,8 64 88 2, 65 1 41 ,48
L iab ili tie 3, 77 6
sBlil s p ay ab l e 0. 00 % 4, 84 4,6 38 - - - - - - - - - 4 ,84 4,
B orr owi ng 6315
8. 8 % 1 5,7 47 ,3 26 6 ,5 50 ,19 7 6,0 47 ,3 30 2, 55 6,1 60 48 ,3 34 33 8, 03 1 1 51 ,44 3 7 ,56 4 6 ,6 66 - 4
s
Dep osi ts and ot her acc oun 1,69901% 2 06 ,9 57 ,95 0 10 3,5 56 ,7 40 15 ,8 14 ,35 8 5,4 68 ,3 58 1 0,6 16 ,6 74 1,5 36 ,8 36 70 4,0 51 4,3 32 -
6. - 6 9, 25
ts ub -o rdi na ted l oan
S 6,6.91
13 01 % 1, 52 3,0 00 14 9,6 00 - - 2 37 ,50 0 43 6,7 00 44 9,2 00 2 50 ,00 0 - -
sOth er i labiitil es - - 33 ,5 77 ,86 2 - - - - - - - - - 33 ,5 77 ,86
2 2 62 ,6 50 ,77 6 11 0,2 56 ,5 37 21 ,8 61 ,68 8 8,0 24 ,5 18 1 0,9 02 ,5 08 2,3 11 ,5 67 1 ,3 04 ,69 4 26 1, 89 6 6, 66 6 - 10 7,7 20
,7 02
On - b ala n ce sh e et g ap 7 ,7 77 ,58 9 1 ,69 0, 50 1 3 7, 96 3,2 93 22 ,02 1, 61 3 2 ,06 2, 92 8 3 ,3 94 ,67 7 1 ,02 1, 17 5 2 ,10 0, 47 9 2 ,8 77 ,19 8 88 2,6 51 (6 6, 23
6,9 26 )
Of f- b al an ce s he e t f in an c ial in st ru me nt
s
F or w ar d L en d
ing
I nter est Ra te S wa p 53 ,0 72 ,71 6 8 45 ,8 22 - - 5, 44 2,4 75 3, 10 3,3 23 2,1 36 ,4 40 2 6,0 12 ,2 56 15 ,5 32 ,4 00 -
Fo rei gn Cur ren cy o pti -3 ,9 31 ,53 8 1 ,46 8, 19 9 2 ,2 69 ,55 9 19 3,7 8 0 - - - - - -
on rwar d F ore
Fo g ni E x ch ang e Co ntra - ,6 15 ,19 9
45 1 9, 90 4,3 69 2 2,6 98 ,1 32 3 ,01 2, 69 8 - - - - - -
cts - ,6 19 ,45 3
1 02 2 2, 21 8,3 90 2 4,9 67 ,6 91 3 ,20 6, 47 8 5 ,44 2, 47 5 3 ,1 03 ,32 3 2 ,13 6, 44 0 2 6, 01 2,2 56 1 5, 53 2,4 00 -
-
F or w ar d Bo r ro w in
gI nter est Ra te S wa p 92 ,4 22 ,04 2 5 40 ,0 00 15 8, 63 4 60 0,0 00 3, 19 3,5 7 4 1 ,71 9, 24 4 2 7,1 28 ,1 77 48 ,5 52 ,21 3 10 ,5 30 ,20 0 -
Fo rei gn Cur ren cy o pti - 3 ,9 31 ,53 8 1 ,46 8, 19 9 2 ,2 69 ,55 9 19 3,7 8 0 - - - - - -
on
Fo rwar d F ore
g ni E x ch ang e Co ntra 25- ,5 47 ,28 5 1 4, 71 5,2 77 8, 25 3,6 91 2 ,5 78 ,31 7 - - - - - -
cts -
1 21 ,9 00 ,86 5 1 6, 72 3,4 76 1 0,6 81 ,8 84 3 ,37 2, 09 7 3 ,19 3, 57 4 1 ,7 19 ,24 4 2 7, 12 8,1 77 4 8,5 52 ,2 13 1 0,5 30 ,2 00 -
Of f- b al an ce s he e t g a p ( 19 ,2 81 ,41 2) 5 ,49 4, 91 4 1 4, 28 5,8- 07 (1 65 ,61 9) 2,2 48 ,9 01 1, 38 4,0 79 ( 24 ,99 1, 73 7) (2 2,5 39 ,9 57 ) 5 ,00 2, 20 0
- -
To ta l y iel d / int e re st r isk s en sit iv ity g ap ( 11 ,5 03 ,82 3) 7 ,18 5, 41 5 5 2, 24 9,1 00 21 ,85 5, 99 4 4 ,31 1, 82 9 4 ,7 78 ,75 6 (2 3,9 70 ,5 62 ) ( 20 ,43 9, 47 8) 7,8 79 ,3 98 88 2, 65 1 (6 6, 23
6,9 26 )
Cu mu lat ive y iel d / i nt er e st r isk s en sit ivi ty g ap 5 9,4 34 ,5 15 8 1,2 90 ,5 09 8 5,6 02 ,3 38 90 ,3 81 ,09 4 6 6, 41 0,5 32 4 5,9 71 ,0 54 5 3,8 50 ,4 52 5 4,7
33 ,1 03
20 08
Effe c ti v e T ot a l Expo se d to yi e l d / i n t er e st r at e r i sk
y i el d / Upt o o n e Ov er o n e Ove r t hr e e Ove r s i x Ove r o n e Ove r t wo Ov e r th re e Ove r fi v e Ov e r No n
i n te re s t m on t h m o nt h t o m on t hs m o nt h s y e ar y ea r s ye a rs ye ar s te n i n te r es t
ra te t hr ee m on th s to s i x to on e to tw o y e ar st o t hr e e t o vf ie t o te n ye a rs be a ri n g
m on t hs y ea r y ea r s ye a rs ye ar s f i na n c i al
i n s tr um e nt s
- - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - - -- - - - - - - - - -- - - - - - - - - -- - ( Ru pe es i n '000)- - - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - -- - - - - - - - - - -- - - - - - - - - -- - - -
On - ba la nc e sh e et fi na n cia l in s tr u men
ts
Ass et s
Cash an d b al anc es t wi h tr easu ry b anks 0 .2 6% 22 ,7 41 ,03 5 4 ,88 6, 52 7 - - - - - - - - 1 7, 85 4,5
B al anc es w th i ot her 08
ba nks 1 ,2 61 ,58 2 - - - - - - - - - 1 ,26 1,
Len di ng s 58 to 2fi nan ci al
tu tii nst
on s 8 .5 8% 3 1,4 66 ,8 98 23 ,04 4, 85 0 8 ,4 22 ,04 8 - - - - - - -
Ii nv est me nts 9 .9 7% 2- 9,5 86 ,6 63 14 ,76 0, 57 0 9 93 ,3 64 1 ,32 1, 14 8 2 ,63 2, 91 0 3 95 ,0 01 3 ,5 73 ,87 3 2,7 14 ,7 12 2, 29 1,0 00 - 9
04dv
A ,0 an
85 ces 1 5.5 1% 1 25 ,6 01 ,46 5 8 0,9 35 ,5 13 1 5,8 24 ,8 89 1 2,8 02 ,9 54 4, 70 6,6 17 2, 84 7,0 22 1,8 80 ,3 95 91 4, 73 6 50 1,6 74 7 68 ,08 2 4, 41
9,5 83
Oth er asset s - 17 ,31 2, 52 9 - - - - - - - - - 1 7, 31 2,5
29 2 27 ,9 70 ,17 2 12 3,6 27 ,4 60 25 ,2 40 ,30 1 14 ,1 24 ,10 2 7,3 39 ,5 27 3,2 42 ,0 23 5 ,4 54 ,2 68 3,6 29 ,4 48 2, 79 2,6 74 7 68 ,08 2 4 1,7
L iab ili tie 52 ,2 87
sBlil s p ay ab l e 4 ,2 96 ,42 0 - - - - - - - - - 4 ,29 6,
B42orr0owi ng s 1 0.8 2% 8, 69 5,7 30 3,8 78 ,2 99 1,9 36 ,8 00 - 2, 84 0,6 40 - - - - - 3
9,9 91
Dep osi ts and ot her acc oun ts 7 .3 2% 1 74 ,5 51 ,80 1 8 0, 96 6,7 75 1 4,4 1 1,0 52 9 ,00 9, 84 5 6 ,44 6, 32 2 6 73 ,9 79 1,6 79 ,8 91 9 09 - - 6 1, 36
3,0ub28-o rdi na ted l oan s 1 7.0 1% 1, 71 0,3 00 37 ,70 0 -
S - 1 49 ,60 0 38 7,1 00 43 6,7 00 6 99 ,2 00 - -
-Oth er i labiitil es 30 ,7 49 ,52 2 - - - - - - - - - 3 0, 74 9,5
22 2 20 ,0 03 ,77 3 8 4, 88 2,7 74 1 6,3 47 ,8 52 9 ,00 9, 84 5 9 ,43 6, 56 2 1 ,0 61 ,07 9 2 ,11 6, 59 1 7 00 ,1 09 - - 9 6, 44
On - b ala n ce sh e et g 8,9761,9 66 ,39 9 3 8, 74 4,6 86 8, 89 2,4 49 5 ,1 14 ,25 7 ( 2,0 97 ,0 35 ) 2 ,1 80 ,94 4 3 ,33 7, 67 7 2 ,9 29 ,33 9 2,7 92 ,6 74 76 8, 08 2 (54 ,6
ap 96 ,67 4)
Of f- b al an ce s he e t f in an c ial ins tr u me nt
s
F or w ar d L en d
ing
I nter est Ra te S wa p 1 28 ,1 26 ,16 4 - 79 ,09 8, 50 0 69 1,5 77 5 ,00 5, 91 3 5 ,62 7, 51 3 5, 62 8,4 56 2 6, 77 3,4 05 5, 30 0, 80 0
-Fo rei
- gn Cur ren cy o pti on 8 ,1 07 ,61 0 1 ,27 3, 93 9 2 ,5 28 ,80 7 4,3 04 ,8 64 - - - - - -
-Fo rwar d F ore
g ni E x ch ang e Co ntra cts 42 ,6 93 ,43 8 3 1, 83 9,8 66 7, 09 5,8 25 3 ,6 72 ,49 7 8 5, 25 0 - - - - -
- 1 78 ,9 27 ,21 2 3 3, 11 3,8 05 8 8,7 23 ,1 32 8 ,66 8, 93 8 5 ,09 1, 16 3 5 ,6 27 ,51 3 5 ,62 8, 45 6 2 6, 77 3,4 05 5 ,30 0, 80 0
- -
F or w ar d Bo r ro w
ing
I nter est Ra te S wa p 1 63 ,8 86 ,17 2 8 00 ,0 00 79 ,4 98 ,50 0 78 3, 15 4 5 ,3 95 ,57 4 6 ,5 26 ,11 2 3 ,15 5, 70 1 5 8, 36 2,3 88 9 ,36 4, 74 3
- rei
Fo - gn Cur ren cy o pti on 8 ,1 07 ,61 0 1 ,27 3, 93 9 2 ,5 28 ,80 7 4,3 04 ,8 64 - - - - - -
-Fo rward F ore
g ni E x ch ang e Co ntra cts 24 ,5 03 ,38 6 1 3, 38 6,4 80 8, 24 5,0 28 2 ,8 71 ,87 8 - - - - - -
- 1 96 ,4 97 ,16 8 1 5, 46 0,4 19 9 0,2 72 ,3 35 7 ,95 9, 89 6 5 ,39 5, 57 4 6 ,5 26 ,11 2 3 ,15 5, 70 1 5 8, 36 2,3 88 9 ,36 4, 74 3
Of f- b al an ce s he e t g a - (1 7,5
- 69 ,9 56 ) 1 7, 65 3,3 86 (1 ,54 9, 20 3) 7 09 ,0 42 (30 4, 41 1) (8 98 ,5 99 ) 2 ,4 72 ,75 5 (31 ,58 8, 98 3) (4 ,0 63 ,94 3) -
p -
To ta l y iel d / int e re st r isk s en sit iv ity g ( 9,6 03 ,5 57 ) 5 6, 39 8,0 72 7, 34 3,2 46 5 ,8 23 ,29 9 ( 2,4 01 ,4 46 ) 1 ,2 82 ,34 5 5 ,81 0, 43 2 (28 ,65 9, 64 4) (1 ,27 1, 26 9) 7 68 ,0 82 (5 4, 69
ap 6,6 74 )
Cu mu lat ive y ield / i nt er e st r isk se n sit ivi ty 6 3,7 41 ,3 17 6 9,5 64 ,6 16 6 7,1 63 ,1 70 68 ,4 45 ,51 5 7 4, 25 5,9 47 4 5,5 96 ,3 03 4 4,3 25 ,0 35 4 5,0
ga p 93 ,1 17


39.5 Yield / Interest Rate Risk
Yield risk is the risk of decline in earnings due to adverse movement of the yield curve. Interest rate risk is the risk that the
value of financial instruments will fluctuate due to changes in the market interest rates. The Bank is exposed to various risks
associated with the effects of fluctuations in the prevailing levels of market interest rates on its financial position and cash
flows. The bank manages this risk by matching the re-pricing of assets and liabilities and off-balance sheet instruments.
39.6 Liquidity risk
The Bank defines liquidity risk as the risk that the Bank either does not have sufficient financial resources available to meet
all its obligations and commitments as and when they fall due, or can access them only at an excessive cost.
Liquidity risk is managed through the Asset and Liability Committee ("ALCO"). This committee, chaired by the CEO, is
responsible for both statutory and prudential liquidity.
-
Liquidity risk is monitored through the internal liquidity risk management policy. A range of tools are used for the management
of liquidity. These comprise commitment and wholesale borrowing guidelines, key balance sheet ratios, medium term funding
requirements and day to day monitoring of future cash flows.
In addition, liquidity contingency funding plans are reviewed periodically to ensure that alternative funding strategies are in
place and can be implemented on a timely basis to minimise the liquidity risk that may arise due to unforeseen adverse
changes in the market place.
A substantial portion of the Bank’s assets are funded by customer deposits made up of current and savings accounts and
other deposits. These customer deposits, which are widely diversified by type and maturity, represent a stable source of
funds.
The Bank also maintains significant levels of marketable securities either for compliance with local statutory requirements
or as prudential investments of surplus funds.

39.7 MATURITIES OF ASSETS AND

LIABILITIES
2 0 09
Tot al Upt o on e Ov er on e Ov er t hree Ov e r s i x Ov er on e Ov er t wo O ve r t hre e O v er f i ve O v er t
en
m o nt h m on t h t o m ont h s t o m ont h s t o y ear t o y ears t o y ears to y ea rs t o y ea
rs t hr ee m o nt hs s i x m o nt hs one y ear t wo y ears t hree y ears f i v e y ear s t en y
ears
-- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---( R up ees i n '000) --- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ----
As s et s
Ca s h a n d ba la n c es with tr e a s ur y ba n k 21, 521,5 50 21,521, 550 - - - - - - -
-
Ba la n c e s with ot h er ba n ks 2, 238,1 82 2,238, 182 - - - - - - -
-Le n din gs to fin a n c ia l in s t itu t ion s 20, 568,0 64 18,754, 658 1,813, 406 - - - - - -
-
In ve s tm e n ts 83, 784,5 36 23,267, 062 28,145, 975 10, 363, 665 10,03 5,928 3, 819, 146 1, 598,584 3,458, 697 3 ,095,
479 a -nc e s 124, 446,7 24 58,674, 575 13,279, 861 7, 857, 760 6,23 2,643 9, 848, 638 9, 043,068 9,369, 953 10 ,140,
Adv
226 -
Oth e r a s se t s 22, 133,7 48 10,338, 749 7,360, 303 402, 076 1,46 0,298 270, 571 394,735 1,524, 202 382,
814
Ope ra- t in g f ixe d a s se t s 6, 995,7 84 28, 069 56, 135 84, 203 16 8,404 336, 811 336,811 741, 970 1 ,375, 881 3,
867, 500
In ta n gible a ss e ts 27, 026,1 72 31, 032 61, 722 92, 583 18 5,166 255, 977 125,876 100, 918 26 ,172,
898
De f er- r e d t a x a s se t s 4, 159,4 52 - - - - - - 4,159, 452 -
-
312, 874,2 12 1 34,853, 877 50,717, 402 18, 800, 287 18,08 2,439 14, 531, 143 11,4 99,074 1 9,355, 192 41 ,167, 298 3,
867, 500
Liab il it
ies
Bills p ay a ble 4, 844,6 38 4,844, 638 - - - - - - -
-
Bor r owin gs 15, 747,3 26 6,591, 799 6,047, 330 2, 556, 160 2 8,102 350, 872 1 58,527 7, 870 6,
666pos- it s a n d ot h e r a c c ou n ts 206, 957,9 50 1 72,813, 341 15,814, 358 5, 468, 358 10,61 6,674 1, 536, 836 7 04,051 4, 332 -
De
-
Su b-or din a t ed loa n s 1, 523,0 00 149, 600 - - 23 7,500 436, 700 4 49,200 250, 000 -
-Oth e r lia bilit ie s 36, 055,4 42 5,977, 997 17,933, 332 401, 640 1,89 8,328 24, 663 4,3 59,892 5,115, 897 343,
693 -
265,128, 356 190, 377,37 5 39,795, 020 8, 426, 158 12,78 0,604 2, 349, 071 5,6 71,670 5,378, 099 350,
359 - 856 ( 55,52 3,498) 10,922, 382 10, 374, 129 5,30 1,835 12, 182, 072 5,8 27,404 1 3,977, 093 40 ,816, 939 3,
47,745,
867, 500
Net as s et s
Sh a r e c a pita l 38,715,
850
Re s e rv e s 1,946,
365
Un a ppr opr ia t ed pr ofi t 4,003,
356
Su r plu s on re v al ua t
ion
of a s se t s - n e t 3,080,
285 47,745,
856
2008
Tot al Upt o on e Ov er on e Ov er t hree Ov e r s i x Ov er on e Ov er t wo O ve r t hre e O v er f i ve O v er t
en m o nt h m on t h t o m ont h s t o m ont h s t o y ear t o y ears t o y ears to y ea rs t o y ea
rs
t hr ee m o nt hs s i x m o nt hs one y ear t wo y ears t hree y ears f i v e y ear s t en y
ears
-- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- --( R upee s i n ' 000) ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- --
As s et s
Ca s h a n d ba la n c es with tr e a s ur y ba n k 22, 741,0 35 22,741, 035 - - - - - -
-
Ba la n c e s with ot h er ba n ks 1, 261,5 82 1,261, 582 - - - - - - -
-Le n din gs to fin a n c ia l - - - - - - -
-
in s tit u t ion s 31, 466,8 98 23,044, 850 8,422, 048 - - - - - -
-In ve s tm e n ts 29, 586,6 63 14,761, 703 993, 364 1, 321, 147 2,63 2,910 395, 001 3,5 73,873 2,714, 712 3 ,193,
953 -
Adv a nc e s 125, 601,4 65 79,779, 355 9,649, 912 4, 712, 208 3,70 5,493 7, 406, 436 6,1 70,569 6,780, 309 6 ,629, 101
768, e082
Oth r a s se t s 19, 239,4 70 8,140, 839 3,494, 234 793, 976 1,20 4,443 1, 461, 099 4 17,316 3,070, 714 656,
849 -
Ope ra t in g f ixe d a s se t s 3, 886,2 75 30, 539 61, 079 91, 617 18 3,236 366, 471 3 66,471 732, 941 1 ,015, 171 1,
038,
In ta 750
n gible a ss e ts 27, 535,0 60 41, 415 82, 830 124, 245 24 8,489 496, 978 2 46,256 95, 904 103, 634 26, 095
,309
De f er r e d t a x a s se t s 3, 298,7 30 - - - - - - 3,298, 730 -
- 264, 617,1 78 1 49,801, 318 22,703, 467 7, 043, 193 7,97 4,571 10, 125, 985 10,7 74,485 1 6,693, 310 11 ,598, 708 27,
902 ,141
Liab il it
ies
Bills p ay a ble 4, 296,4 20 4,296, 420 - - - - - - -
-
Bor r owin gs 8, 695,7 30 3,918, 290 1,936, 800 - 2,84 0,640 - - - -
-De pos it s a n d ot h e r a c c ou n ts 174, 551,8 01 1 42,329, 803 14,411, 052 9, 009, 845 6,44 6,322 673, 979 1,6 79,891 909 -
-
Su b-or din a t ed loa n s 1, 710,3 00 37, 500 - - 14 9,600 524, 800 299,200 699, 200 -
-Oth e r lia bilit ie s 32, 605,7 87 7,847, 275 8,907, 788 934, 051 3,17 3,708 1, 357, 189 1 01,815 9,099, 989 1 ,183,
972 -
221, 860,0 38 1 58,429, 288 25,255, 640 9, 943, 896 12,61 0,270 2, 555, 968 2,0 80,906 9,800, 098 1 ,183,
972 -
42, 757,1 40 ( 8,62 7,970) (2,5 52,173) ( 2,900, 703) (4, 635,699 ) 7, 570, 017 8, 693,579 6,893, 212 10 ,414, 736 27,
902 ,141
Net as s et s
Sh a r e c a pita l 38, 715,8
50
Re s e rv e s 1, 812,4
92
Un a ppr opr ia t ed pr of it 3, 481,7
78
De f icit on r e va lu a t
ion
of a s se t s - n e t (1, 252,
980)
42, 757,1
40


39.8 Operational Risk
Operational risk is the risk of a direct or indirect loss being incurred due to an event or action arising from the failure of
technology, processes, infrastructure, personnel and other risks having an operational risk impact.
The Country Operational Risk Group ("CORG") has been established to ensure that an appropriate risk management
framework is in place at a grass root level, and to report, monitor and manage operational, social, ethical and environmental
risk. The CORG is chaired by the CEO, and CRO is an active member of this forum.
All business units within the Bank monitor their operational risks using set standards and indicators. Significant issues and
exceptions are reported to CORG and are also picked up by the independent Risk function for discussion at the Risk
Committee chaired by the CRO. Disaster recovery procedures, business contingency planning, self-compliance audits and
internal audits also form an integral part of the operational risk management process.
40 ISLAMIC BANKING
BUSINESS
The Bank is operating with 10 Islamic Banking branches at the end of current year as compared to 8 Islamic Banking
branches at the end of last year.
40.1 Balance Sheet 2009 2008

(Rupees in ‘000)
Assets
Cash in hand 87,391 53,998
Balances with and due from Financial Institutions 524,863 785,414
Investments 1,800,000 300,000
Financing and receivables
- Murabaha 1,254,219 565,637
- Musharaka - -
- Diminishing Musharaka 5,086,874 5,610,640
- Others 133,119 120,294
Operating fixed assets 55,375 60,684
Other assets 1,190,530 135,028
10,132,371 7,631,695
Liabilities
Deposits and other accounts
- Current accounts 3,099,484 1,632,370
- Savings accounts 1,719,601 736,595
- Term deposits 3,181,834 2,209,134
- Others 198,160 -
Due to Head Office - 1,378,871
Due to financial institutions 114,300 -
Other liabilities 816,811 97,220
9,130,190 6,054,190
Net Assets 1,002,181 1,577,505
Represented by:
Islamic Banking Fund 200,000 200,000
Reserves 802,181 1,377,505
1,002,181 1,577,505
CONTINGENCIES AND - -
COMMITMENTS
Remuneration to Shariah Advisor / Board --
Charity fund
Opening balance - -
Additions during the period 1,558 3,490
Payments / utilization during the year (1,558) (3,490)
Closing balance - -

40.2 Profit and Loss 2009 2008

(Rupees in ‘000)
Profit / return earned on financings, investments and placements 1,041,820 882,021

Return on deposits and others dues expensed (376,929) (225,837)
Net spread earned 664,891 656,184
Provision against non performing financing (218,492) (123,873)
Net spread after provsions 446,399 532,311
Other income
Fees, commission and brokerage income 168,348 102,847

Other income 510 2,270
Total other income 168,858 105,117

615,257 637,428
Other expenses
Administrative expenses (290,580) (92,237)
Profit before taxation 324,677 545,191
41 DATE OF AUTHORIZATION
These financial statements were authorized for issue in the Board of Directors meeting held on 4 March 2010.

Director


Annexure - 1
Statement in respect of written-off loans or any other financial relief of five hundred thousand rupees or above as required under sub-section (3) of section 33A of
the
Banking Companies Ordinance, 1962 during the year ended 31 December, 2009.
Am ou nt s in Ru pe e s
Sr.
Na m e A dd r ess Nam e of P ar t ne rs / Di re ct or s F at he r / Hu sb an d Ou ts ta nd in g Li ab ilit ies at Beg in n ing o f Y ear Am o u nt Wr itt en o ff / Co nc es sio n
No .
NI C / CN Nam e P ri nc ip al In te re st / M ar k u p Ot he rs To tal P r in cip al In t er est / M ar k up O th er s To ta l Ba lan ce
IC
1 S MUH AM M A D B A QIR H NO 45 A LA NE NO 3 G ULIS T 374 05 539 48 965 2,3 00 ,24 4 18 ,67 9 - 2 ,71 8,9 20 2,2 99, 691 418 ,67 9 - 2, 718 ,37 0
AN 1
B UK HA RI CO LONY R AW A LP IN
DI
2 S UGHA RA M AZ HA R F LA T N O 11 HA NGIN G GA RD 423 01 513 551 52 8,6 95 ,90 1,7 34 ,41 7 - 10 ,43 0,3 26 8,6 95, 909 1, 734 ,41 7 - 10, 430 ,32 6
EN 9
K HY AB A N E ROOM I C LIF TO
N
3 S H. M OHA M MA D S HA F IQU E 22 S HA M I ROA D SH AM I B L 331 00 013 793 85 3,0 99 ,15 683 ,51 1 - 3 ,78 2,6 69 3,0 99, 158 68 3,5 11 - 3, 782 ,66 9
OCK 8
M US LIM TO WN 1 FA IS A LA B A
D
4 JA HA NGIR FA IS A L 50 6 1 A , S E A B RE AZ L UX 423 011 64 015 13 3,1 95 ,88 5 84 ,33 3 - 3 ,78 0,2 20 3,1 95, 887 584 ,33 3 - 3, 780 ,22 0
URY 7
A P P T. B LO CK 5, CLI FT ON,
N
5 A HME D U ME R Q URE S HI 16 /3 C A RE A L IA QA T A B A 421 011 89 424 15 2,0 49 ,84 3 75 ,15 0 - 2 ,42 4,9 95 2,0 49, 845 375 ,15 0 - 2, 424 ,99 5
D 5
K A RA CHI
6 S H A BDU L RE HM A N 28 9 G ULS HA N C OLO 24 54 823 44 11 4,3 13 ,48 9 52 ,42 0 - 5 ,26 5,9 04 4,3 13, 484 952 ,42 0 - 5, 265 ,90 4
NY 4
FA I SA L A BA
D
7 S YE DA S A RWA T A F ZA L A 38 0 S E CT OR 1 4 B S HA DM 421 011 75 133 50 1,1 91 ,20 4 38 ,35 1 - 1 ,62 9,5 57 1,1 91, 206 516 ,67 7 - 1, 707 ,88 3
AN 6
T OWN K A RA CHI
8 M F A WA D H NO 25 6 S T 90 1- 8/4 IS L AM A B A D 423 01 930 17 273 2 9,9 94 , 1 0,7 03 ,25 4 - 40 ,69 7,6 80 2 9,9 94, 426 12, 675 ,49 0 - 42, 669 ,91 6
42 6
9 K HA LID B A S HIR A W A N 12 S HE R S HA H B L OCK NE 352 01 605 410 51 8,9 93 ,01 3, 311 ,40 1 - 12 ,30 4,4 17 8,9 93, 016 3, 902 ,72 2 - 12, 895 ,73 8
W 6
GA RD EN TO WN LA HO
RE
1 0 MUD ADA R S UHA RWAR DY 24 7/2 48 ZE E NA T B LOCK A LL A 352 02 384 36 601 1,1 38 ,32 3 85 ,36 4 - 1 ,52 3,6 88 1,1 38, 324 479 ,54 9 - 1, 617 ,87 3
MA 4
IQ BA L TO WN LA HO
RE
11 HORIA T AU SE E F CHO ICE DE P ART M E NTA L S T 331 00 908 998 23 2,1 97 ,29 9 37 ,04 1 - 3 ,13 4,3 34 2,1 97, 293 918 ,34 5 - 3 ,115 ,63 8
ORE 3
33 3- B P E OP LE S CO
LONY
FA I SA L A BA
D
1 2 A MJA D N AD EE M H NO 19 79 S T 7 1 I 611 015 72 667 07 1,9 27 ,03 6 67 ,96 3 - 2 ,59 5,0 02 1,9 27, 039 827 ,40 6 - 2, 754 ,44 5
10 /1 9
IS L AM A B A D
1 3 A BD UL RA S HE E D B HA TT I HO US E NO E 2 3/ 13 NC 352 01 415 59 989 1,4 99 ,98 5 49 ,92 6 - 2 ,04 9,9 14 1,4 99, 988 674 ,03 5 - 2, 174 ,02 3
AL 8
RE HM A N S T MO HA LLA IS L AM
NA
1 4 MO HA MM A D Z UB AI R 25 8- A BL OCK - 7 & 8 C.P B E RA 421 011 40 383 45 2,0 85 ,38 7 29 ,19 9 - 2 ,81 4,5 81 2,0 85, 382 901 ,74 3 - 2, 987 ,12 5
R 2
S OCI ET Y NE A R A GHA K HA
N
1 5 FI DA H US SA I N HO US E NO 9 4 P IR RONK I P A 2 92 ,79 51,5 69 ,78 5 - 1 ,86 2,5 80 1,5 69, 785 292 ,79 5 - 1, 862 ,58 0
RK
A M IR RO AD S HA D B A GH
LA HO RE
1 6 A FT AB A HM E D H NO A -1 03/ 3 S A TT E LIT E TO 374 05 056 36 719 4,4 96 ,69 1,4 93 ,21 0 - 5 ,98 9,9 07 4,4 96, 697 1, 939 ,18 4 - 6, 435 ,88 1
WN 7
RA W A LP
INDI
1 7 LIA Q UAT A LI H NO 57 3 S T 5 HUMA K M 611 018 43 753 23 1,5 84 ,95 4 77 ,44 0 - 2 ,06 2,3 94 1,5 84, 954 661 ,55 6 - 2, 246 ,51 0
ODE L 4
T OWN I SL A MA B A
D
1 8 M I QB A L NA Q VI A B S HA R LO DGE 4 TH FL OOR 423 01 643 98 129 1,3 91 ,83 4 19 ,26 5 - 1 ,81 1,0 95 1,3 91, 830 580 ,94 6 - 1, 972 ,77 6
FL - 0
13 K A TCHI ME M ON S T NO
1
1 9 MUH AM M AD RA FI QUE HO US E NO.5 5 S T RE E T NO 352 02 236 202 47 3,4 99 ,58 1,0 53 ,29 4 - 4 ,55 2,8 74 3,4 99, 580 1, 459 ,82 1 - 4, 959 ,40 1
.2 0
,A M IN P A RK B A ND RO AD
LA HO RE
2 0 S YE D A L I M OHI UD DIN HO US E NO.1 8-B MA IN ME 352 02 380 90 521 6,4 84 ,68 1,8 80 ,68 1 - 8 ,36 5,3 65 6,4 84, 684 2, 583 ,94 3 - 9, 068 ,62 7
ER 4
UP P E R M A LL L A
HORE
2 1 K HA LID J AM IL P UL L 48 V E HA RI 366 03 378 194 85 2,2 13 , 6 00 ,14 4 - 2 ,81 3,2 01 2,2 13, 057 797 ,68 2 - 3, 010 ,73 9
05 7
2 2 MUHM M A D A ZA M RE HM A N A GRO TRA DE RS SA B Z 363 02 131 20 977 3,2 98 ,24 4 21 ,27 6 - 3 ,71 9,5 22 3,2 98, 246 421 ,27 6 - 3, 719 ,52 2
I 6
M A NDI RO A D NE A R DE RA A
DDA
M ULTA N
2 3 NIS A R A HME D G HA LLA M A NDI, WA Z IRA B A D 341 04 231 22 557 6,6 82 , 8 92 ,40 1 - 7 ,57 5,3 34 6,6 82, 933 892 ,40 1 - 7, 575 ,33 4
93 3
2 4 MUH MM A D A SL A M 4 8- B GRA IN M A RK E T V E HA RI 366 03 680 95 819 2,6 51 , 9 89 ,70 6 - 3 ,64 1,5 04 2,6 51, 798 1, 025 ,08 5 - 3, 676 ,88 3
79 8
2 5 MUH AM M AD S AL E E M M .S A LE E 362 02 110 763 03 2,1 92 ,67 3 59 ,84 0 - 2 ,55 2,5 19 2,1 92, 679 359 ,84 0 - 2, 552 ,51 9
M 9
T RA DE RS ,DUNIY A P UR RO
AD
K E HROR PA CCA
2 6 MO HA MM A D FA HA D A S LA M HO US E # 8 -I/I I, ' D' S T RE E 352 02 809 53 257 8,3 98 ,00 - - 8 ,39 8,0 00 8,3 98, 000 2, 713 ,03 6 - 11,111 ,03 6
T, 0
CHOUD HA RY P HA S E -V , K HA YA B A N-E - HA
FIZ ,
2 7 S AL E E M M UHA M MA F LA T N O E G ROUND F L 420 00 037 466 75 2,4 87 ,59 - - 2 ,48 7,5 94 2,4 87, 594 994 ,03 4 - 3, 481 ,62 8
D OOR 4
M A RINE CO RNE R B LO CK 2
S CHE M E 5 CL IFT
ON
2 8 MUH AM M AD ZUB A IR 25 8- A , C. P . B A RA R, S O CIE 421 011 40 383 45 8,1 50 ,56 - - 8 ,15 0,5 61 8,1 50, 561 2, 948 ,98 1 - 11, 099 ,54 2
TY 1
B LO CK NO. 7- 8

Annexure - 1
Amo u nts in Ru pe es
Sr.
Na m e A dd r ess Nam e of P ar tn e rs / Di re ct or s F at he r / Hu sb an d Ou ts ta nd in g Li ab ilit ies at Beg in n ing o f Y ear Am o u nt Wr itt en o ff / Co nc es sio n
No .
NI C / CN Nam e P ri nc ip al In te re st / M ar k u p Ot he rs To tal P r in cip al In te r est / M ar k up O th er s To ta l Ba lan ce
IC
2 9 MA LI K S OHA IL A K HT E FL AT NO . 39 , 5T H F LO OR, A L 42 30 109 114 231 2,6 60 ,08 - - 2,6 60 ,08 3 2 ,660 ,08 3 80 8,0 82 - 3 ,46 8,1 65
R I' S 3
A PA RT ME NT P HA S E I, D.
H.A
3 0 GOO D CHA NCE S E I G 1/21 , S HO P NO 4 NE AR P OS 42 101 54 154 21 9 7 56 ,23 - - 7 56 ,23 5 56 2,5 94 5 0,8 66 - 61 3,4 60
WING T 5
MA CHIN E & CO OF FI CEO P P OWN P L AZ
A,
NA ZI MA B A D NO 1 K A RA
CHI
3 1 AZ E E M UDDIN J EWE L LE RY P LOT 5/ 27 2ND F LO ORUP 42 000 01 007 80 5 7 41 ,35 15, 578 - 7 56 ,93 4 56 2,5 94 5 0,9 29 - 61 3,5 23
ON 6
NIA Z I JE WE LE R S A RA F AM A RK E
T
LIA Q UAT AB A D K A RA
CHI
3 2 M/S A S HRA F TRA DE RS P LOT # 10/ C, B HA NGO 42 101 37 058 66 5 7 50 ,23 - - 7 50 ,23 2 51 5,22 2 6,8 07 - 52 2,0 29
RIA 2
GOT H,B L OCK # 2, F B A RE
A,
K A RAC HI
33 M/S C ITY A UT OM OB ILE TA W A KA L MA RK E T P LOT # 38 30 2115 27 953 6 72 ,36 - - 6 72 ,36 6 67 2,3 66 3 5,8 79 - 70 8,2 45
B- 6
7/8 S TRE E T # 4 GA TE - I,Q UAI
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A ZA- M ,TR UCK S TA ND HA WK S B
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ROA D, KA RA CHI
3 4 M/S A LI OIL TRA DE RS S HOP # 4 G ULS HA N-E - 42 201 05 150 09 3 8 07 ,78 32, 732 - 8 40 ,51 6 64 8,8 24 4 5,9 52 - 69 4,7 76
AL 4
MUS T AF A A RCA DE ,S TRE E T
#
2,NE A R SHO E MA RK E T,N IS HTE
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3 5 M/S S HA M S I T RA OF FI CE # 3 05, 4 210 1117 959 43 7 32 ,70 - - 7 32 ,70 8 66 3,1 27 6 6,6 96 - 72 9,8 23
DING 3RD 8
COM PA NY FL OOR ,DA RYA L AL S TRE E T, J
J
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3 6 AL -K A US A R T RA DE R A L-K A US A R T RA DE RS ,S 72, 367 9 52 ,21 0 - 1,0 24 ,57 7 95 2,2 10 7 2,3 67 - 1 ,02 4,5 77
HOP #
30 0RA Z I MA RK E T, DA
WOOD
CHOWRA NG I, K A RA CHI
3 7 Z. H. P IP RA NI A ND COM PA NY 14 / 1 7,JUB IL E E MA NS 42 201 06 555 21 5 1,4 12 ,19 - ( 31 0,8 1,1 01 ,37 9 86 2,2 96 7 4,2 96 - 93 6,5 92
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P RE ED Y ST RE E T,RE
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3 8 NA NA MA NA GE M E NT P V T LT D 10 1 F IRS T FL OOR, P ROGRE S S 42 20 1153 91 489 8 39 ,97 17, 760 - 8 57 ,73 0 83 9,9 70 8 1,8 68 - 92 1,8 38
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S QUA RE ,M A IN S HA HRA H-E
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3 9 M/S O RIE NTA L B USI NE P LOT # 397 -A ,NE W T 42 20 1137 93 537 7 75 ,99 28, 958 - 8 04 ,94 9 73 8,6 17 2 5,6 55 - 76 4,2 72
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ES CHI
40 M/S M A GNA Z E NT ER PR IS ES 19 /F, F -M A RK E T,B LO 42 101 30 967 68 1 7 46 ,06 59, 699 - 8 05 ,76 6 74 6,0 67 7 3,3 66 - 81 9,4 33
CK 7
6P. E .C.H.S . KA RA
CHI
4 1 AL - SH AM S CRO KE RY S HOP NO # 5 8NE W B OL TA 42 301 87 382 80 9 7 10 ,93 12, 315 - 7 23 ,25 1 70 4,4 32 1 0,8 47 - 71 5,2 79
N 6
MA RK E T,M A JINNA H R OA D,
K A RAC HI
4 2 M/S M A LV AN E NTE RP RIS E S S HOP # 2, H ARI S V IE W, P LOT 42 301 08 956 09 3 6 65 ,36 12, 417 - 6 77 ,78 5 53 0,5 02 4 5,8 37 - 57 6,3 39
# 9- 8
C,2N D S UN S E T, L A
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COM ME RCI A L A RE A, PH AS E 2
,
E XT , DHA , K A RA
CHI
4 3 M/S P A K E NT ERP RI S ES S UIT E # 2 , M AZ 42 101 55 819 91 5 7 21 ,88 43, 350 - 7 65 ,23 5 72 1,8 85 7 0,1 29 - 79 2,0 14
NINE 5
FL OOR ,P LOT # 26- C, L A NE
4,
S HA HB AZ CO MM LA NE , O FF 2
6
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44 M/S I S MA IL A ND BR OT HER S S HOP # 4, S T # 2NE W S A 42 10 1175 46 191 6 71 ,97 3, 785 - 6 75 ,76 1 51 0,98 7 4 4,3 08 - 55 5,2 95
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45 M/S B I SM IL LA H M ILK CE NT S HOP #1 S TRE E T #1 0A RTL A 42 30 1108 16 373 74 3,11 12, 964 - 7 56 ,08 1 71 3,8 99 1 0,8 82 - 72 4,7 81
RE RY 7
& B AB A IS HA Q DA IRY FA RM B URNS ROA D KA RA CHI
S
4 6 M/S B I SM IL LA S HOP # G-11 & 1 2, RA Z A MO BI 42 201 05 294 00 1 7 54 ,72 27, 405 - 7 82 ,12 6 75 4,7 21 2 5,7 70 - 78 0,4 91
H LE 1
COM MUNI CAT ION CIT Y NAT IONA L HIGH WAY M AL
IR
CIT Y K ARA CH I
47 M/S N EW LIF E GO P LOT # 11- A, S HOP # 12K P - 6 12 ,52 3 - 6 12 ,52 3 61 2,5 23 3 4,8 43 - 64 7,3 66
ODS T
TRA NS P ORT B UILDI NG, CR OWN
CO
CINE M AT RUCK S TA ND, MA RI
PUR
K AR AC HI
4 8 SI GN M E DIA A DVE RT IS ING S P -1M E ZZ A NINE FL OOR BL 42 10 1191 75 181 1,0 62 ,24 15, 016 - 1,0 77 ,26 0 1 ,017 ,26 0 7 0,7 34 - 1 ,08 7,9 94
OCK - 4
2A L K A RA M S QUA RE K A RA
CHI
4 9 M/S M A S OOD & JA MI L P LOT # 16, S T- 5, S E CT P R 42 201 65 856 79 5 7 87 ,82 71, 922 - 8 59 ,75 1 76 7,1 74 11,9 43 - 7 79,1 17
ICE 31 - 9
FA CT ORY B ,K ORA NGI P E NET H 5 K A RA
CHI
5 0 AA RA S S HI PP IN G A GE NCIE S 70 1,7 TH F LO OR,B US IN 42 301 09 526 46 5 9 32 ,58 57, 177 - 9 89 ,76 0 93 2,5 83 9 2,0 27 - 1 ,02 4,6 10
ES S 3
P LA Z A, MUM TA Z HA S S A
N
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FF
I.I. CHUNDRIG A R ROA D, KA RA CHI
5 1 M/S A FA Q B ROT HE RS ROO M # 48 , A URA NGZ A 42 101 42 898 77 3 5 00 ,33 24, 729 - 5 25 ,06 5 50 0,3 36 4 3,5 52 - 54 3,8 88
IB 6
MA RK E T M A JINN AH ROA D
K A RAC HI
5 2 Z - A E NTE RP RIS E S OF F # 2 04,2 ND F LO OR,A 42 10 1168 39 491 1,0 52 ,59 54, 074 - 1,1 06 ,66 6 1 ,052 ,59 2 5 4,0 74 - 1 ,10 6,6 66
RF AT 2
CHA MB E R,Z A K A RIA LA NE ,JO
DIA
B AZ A R. K A RA CHI
5 3 MUHA M MA D NA ZIR P LOT # B -3 1,S TA R G AT 42 201 51 239 70 9 9 00 ,15 - (8 ,67 4) 8 91 ,48 0 78 4,7 05 5 2,0 28 - 83 6,7 33
E, 4
OP P OS IT A IR P ORT. S HAH RA H-
E-
FA IS A IL KA RA
CHI
54 UMA IR TRA DE RS A A / 15 5 - D P UL S HA H N AZ A 37 405 49 025 12 1 8 54 ,36 30, 501 - 8 84 ,86 6 61 6,00 0 3 0,1 49 - 64 6,1 49
R 5
DE WA NJA MIA M A S JID RO AD ,
RA W AL P
INDI
55 AL -A B ID DAW A K HA NA OF FI CE # 3 77- 37 405 29 659 27 7 6 27 ,47 25, 077 - 6 52 ,54 9 53 8,7 32 1 7,7 02 - 55 6,4 34
A, 2
NE A RDIS P E NS ERY G
ROUND
TE NCH B HAT TA RA W A LP
INDI
5 6 SH AF A NA 25 2 S CHO OL L A NE 37 405 61 894 17 7 1,3 81 ,62 24, 768 - 1,4 06 ,39 6 1 ,172 ,42 1 8 0,4 18 - 1 ,25 2,8 39
RA 8
B AZ A RCA NT TRA W


Annexure - 1
Sr.
N am e Add r ess Nam e o f P ar t ne rs / D ire ct or s F at he r / Hu sb an d Ou t sta nd in g Li ab ilit ies at Be gin n in g o f Y ear A mo u nt Wr itt en o ff / Co n ces sio n
No .
NI C / C Na me P r inc ip al In te r est / M ar k up Ot he rs To ta l P r in cip al I nt er es t/ M ar k up O th er s To t al Ba la nc e
NIC
5 7 JA LA L D EE N S HOP # 1- 2, DU RA NI P LA S 42 40 120 20 222 7 662 ,72 22 ,298 - 685 ,02 5 66 2,7 27 3 2,6 33 - 69 5,3 60
T IC 7
S TO RE ,A K BA R MA RK E T, NE A
R
HA B IB B A NK ,A LI G A RH B A ZA
R,
K A RA CHI
5 8 S YE D A T TA MUHA M MA D P LOT NO 5/4 5/A S HO P NO 3 5 42 20 158 62 958 5 565 ,54 - - 565 ,54 1 51 2,7 12 - - 51 2,7 12
AL 1
MA DI NA MA RK E TM ODE
L
COL ONY NE A R L EE MA RK E
T
K A RA CHI
5 9 GHUL A M Z A MI N DURRA NI P LOT # B - 5 23 ,B HA NGOR 42 20 172 24 498 3 675 ,13 39 ,26 2 - 714 ,39 2 67 5,1 30 6 0,8 74 - 73 6,0 04
IA 0
TO WN,B LO CK - 2,F.B . A RE A
,
NE A R QA DRI A M A S JID K A RA
CHI
6 0 A LI G OHA R L- 501 ,S HE RE N JIN NA 42 30 155 02 065 3 509 ,08 15 ,09 1 - 524 ,17 3 50 9,0 82 4 1,7 03 - 55 0,7 85
H 2
COL ONY CL IFT ON KA RA
CHI
6 1 MO HA MM A D A BD UL M A JE ED S # 2 A -17 , B L OCK -1 9RA S 4 220 112 906 49 5 1,2 59 ,51 93 ,29 3 - 1 ,35 2,8 11 1 ,25 9,5 18 9 3,2 93 - 1,3 52,8 11
HID 8
MI NHA S ROA D F B A RE A
K A RA CHI
6 2 MO HA MM A D ILY A S QURE S HI S HOP # 2,O PP S HE L L P E 42 50 183 47 177 3 889 ,64 69 ,45 1 - 959 ,09 1 88 9,6 40 8 4,6 76 - 97 4,3 16
TRO L 0
P UMP ,M AI N QA IDA B A D, K A RA
CHI
6 3 MUH AM M AD B AS HI R ME M ON S HOP # 13, AL MA NS O 4 230 116 851 73 5 741 ,36 57 ,24 6 - 798 ,60 9 74 1,3 63 6 9,9 33 - 8 11,2 96
OR 3
P LA Z A ,NE A R DA K
HNI
M AS JI D,PA K IS TA N
CHOWK ,
K A RA CHI
6 4 K HAWJ A A Z IZ UR RE HM A N LS A -1 -7 ,S TRE E T # 4 ,B LO 42 10 123 66 923 3 804 ,27 - - 804 ,27 2 78 0,8 13 11,5 13 - 79 2,3 26
CK# 2
10 ,GUL S HA N-E -I QB A L K A RA
CHI
6 5 M A LT AF B UT T H # 33 , S T #1K A CHUP URA F A 35 20 253 66 747 5 769 ,09 - - 769 ,09 9 67 0,2 52 - - 67 0,2 52
IZ 9
B A GH L AH ORE
6 6 WA HEE D JAV A ID K HA N OF F NO. 207 ,2ND FL OOR, 35 20 251 08 409 3 563 ,25 - - 563 ,25 9 51 0,4 55 - - 51 0,4 55
75 - 9
L,C EN TURY T OWE R,M A
IN
B OUL EV A RD,G ULB E RG -
III.
LA HO RE
6 7 HA B IB UR RE HM A N S HOP # 12- A , 13 -C, SH AH FA IS 42 20 160 97 484 9 594 ,69 - - 594 ,69 6 59 4,6 96 3 9,0 23 - 63 3,7 19
AL 6
COL ONY, NE A R A- 1 H OS P ITA
L,
K A RA CHI
6 8 A NWE R B A IG S HOP # 2/1 4 42 10 169 66 486 7 637 ,90 - - 637 ,90 0 63 7,9 00 4 3,1 80 - 68 1,0 80
& 0
5/1 29 COM ME RCIA L
A RE A ,LIA Q UATA B A D, KI RYA

NA
MA RK E T, K AR ACH I
6 9 MUH AM M AD S AL E E M LIY A RI G E NE RA 42 30 139 73 392 1 700 ,90 10 ,94 7 - 711 ,85 5 63 9,5 12 - - 63 9,5 12
L 8
HOS P IT AL ,P LO T# 10 44, NE
AR
F OOT B A LL S T ADI UM KA RA
CHI
7 0 MO HA MM A D HA JI T A ME E P LO T NO RC 3 23/ 4RA B IA MA NZ 4 230 110 449 07 1 719 ,84 42 ,77 2 - 762 ,61 8 71 9,8 46 6 6,4 19 - 78 6,2 65
N IL 6
LA B HA W AN JE E
TE
S TR EE T RA NCHOR LINE K A RA
CHI
7 1 GHUL A M A HM E D S IDDIQ UI HA JI A B B A S CE NTRE RO OM 42 20 107 41 659 1 627 ,34 - (7 1) 627 ,27 8 59 0,9 37 5 0,0 56 - 64 0,9 93
#4 9
F IRS T F LO ORHA WK S B AY RO A
D
K A RA CHI
7 2 QA M AR UDDIN ZA RIA OF F ICE # 1 05 , 1S 42 20 105 07 529 5 711 ,86 24 ,50 8 - 736 ,37 7 70 7,7 49 - - 70 7,7 49
T 9
F LOO R,CROW N S QUA RE , B L K
#13 -A ,G ULS HA N-E - IQB A
L,
UNIV E RS IT Y ROA D, KA RA CH
I
7 3 A B DUL S A LA M S HOP # 1, R 69 5S E C 11- C/3 DIS 4 210 117 671 939 690 ,78 33 ,53 5 - 724 ,31 7 69 0,7 82 3 3,5 35 - 72 4,3 17
CO 2
MO R, NO RTH K AR ACH I K A RA CHI
7 4 A BD UL M A JE ED HA JI P A RK 2- RE HMA N P 35 20 292 65 940 5 1,2 78 ,77 112, 995 - 1,3 91 ,76 9 1 ,27 8,7 74 11 2,9 95 - 1 ,39 1,7 69
URA 4
LA HO RE
7 5 A HMA D K HA N ( L AT E ) 26 -3R D F LOO RCAV A 33 20 215 86 383 9 580 ,71 25 ,13 0 - 605 ,84 4 58 0,7 14 3 0,8 26 - 6 11,5 40
LRY 4
CE NT RE ,CAV A
LRY
COM ME RC IA LA RE A ,LA HO
RE
CA NT T L A
HORE
7 6 S IK A NDA R B A KH T Q URE S HI S D-4 5,F A 35 20 278 46 294 7 1,0 75 ,34 37 ,285 - 1 ,112 ,62 8 1 ,07 5,3 43 3 7,2 85 - 1,11 2,6 28
LCON 3
COM P LE X ,GUL B E RG 3 LA HO
RE
7 7 MO HA MM A D RA F IQ K HA N H# 10- A , S T # 2- A P RE 35 20 202 78 502 7 479 ,88 28 ,23 8 - 508 ,12 6 47 9,8 88 4 4,0 02 - 52 3,8 90
M 8
NA GA RRA JG A RH LA HO RE
7 8 MUH AM M AD YO US A F H# 53, ST # 14 , MO HA LA NA B 35 20 226 31 672 5 926 ,78 - - 926 ,78 2 83 2,4 23 - - 83 2,4 23
I 2
PA RK ,R AV I RO A D, L AHO
RE
7 9 A BD UL JA L EE L H # 22 4,D M ODE L TO 35 20 227 54 180 7 839 ,27 - (79 ,92 759 ,34 8 65 7,8 33 4 6,3 67 - 70 4,2 00
WN, 0 2)
LA HO RE
8 0 A LI J AA N CRY S TA L NO TE B O OK A L M A 35 20 258 74 942 7 719 ,84 13 ,48 3 - 733 ,32 9 71 9,8 46 6 4,7 22 - 78 4,5 68
IRA J 6
CE NT RE 22 URDU B A ZA
R
LA HO RE
8 1 S HE IK H M OHA MM A D S OHA I L LUC KY T RA DE RS 3 520 20 9411 74 3 1, 002 ,18 16 ,15 1 - 1,0 18 ,33 3 1 ,00 2,1 82 1 6,1 51 - 1 ,01 8,3 33
10 - 2
M ONT GOM E RY ROA D L A
HORE
8 2 MUK HT A R A LI 47 6- A, BL OCK - B ,NE W TO HE 35 20 289 37 778 3 698 ,09 10 ,08 4 - 708 ,18 3 55 8,2 28 - - 55 8,2 28
ED 9
PA RK , GULS HA N RAV I, LA
HORE
8 3 MUH AM M AD S AD IQ 1- S A INT MA RY ' S PA RK ,G ULB E 35 20 171 92 328 1 600 ,83 9 ,84 4 - 610 ,68 3 53 7,4 45 - - 53 7,4 45
RG 9
-I II.. LA
HORE
8 4 S HE IK H HA B IB A HME D ( LA TE ) S UIT E # 1 81S T F LOO RK HA 35 20 225 590 93 9 554 ,30 - - 554 ,30 4 55 4,3 04 - - 55 4,3 04
WA JA 4
A RCA DE WA HDAT RO A D LA HOR
E

Annexure - 1
Sr .
Nam e Ad dr es s Na me o f P a rt ne r s / Dir ect or s F at h er / Hu sb an d O ut st an di ng L iab ili tie s a t Be gi nn in g of Y ea r Am ou nt Wr itt en o ff / Co n ce ssi on
No.
NIC / Na m e P r in cip al I nt er es t/ M ar k up Ot he r s To ta l Pr in ci pa l Int er es t/ Ma rk u p Oth er s T ot al Bala nc e
CNIC
8 5 B A DAR CLO TH & F OA 16- MA CL E OD RO AD AS L 3 520 229 28 422 7 64 4,0 - - 6 44 ,015 5 76 ,35 0 27 ,62 1 - 60 3,9 71
M AM 15
CE NTE R AR CAD E LA
HORE
8 6 S A M OB IL E CIT Y 32- H, B LO CK COM ME RCI 3 520 128 25 391 7 93 3,8 19 ,44 9 - 9 53 ,344 711 ,05 7 9 ,30 6 - 72 0,3 63
AL 95
ARE A P HA S E I DHA CA NT
T
LA HORE
8 7 CH.A B DUL H AF E E Z A ND C O 30 CHA RAG H DIN ROA DMO ZA 3 520 259 68 067 9 93 9,4 16 ,91 9 - 9 56 ,379 939 ,46 0 16 ,91 9 - 95 6,3 79
NG 60
LA HORE
8 8 WE LL T RA M/S WE L L T RAD 3 520 014 96 496 1 55 1,6 20 ,18 9 - 5 71 ,869 5 10 ,57 6 7 ,23 9 - 51 7,8 15
DING ING 80
CORP OR AT ION CORP ORA TI ONS UIT # 2 0,1 S
T
FL OOR,K HA W A JA ARC ADE ,1 7
WA HDA T ROA D, L A
HORE
8 9 JA VE D E L E CTRIC S TOR E 516 P ICCO ROA D, K 3 520 13 760 0011 1 ,01 2,6 36 ,60 1 - 1,0 49, 288 7 58 ,90 6 10 ,24 4 - 76 9,1 50
OT 87
LA K HPA T,OP P OS IT E T RE
ET
BL A DE FA CT ORY, LA
HORE
9 0 B ILA L T RA DE R WIRE R OP E OP P S HAH AB S WE E T S, 3 520 268 49 148 7 76 6,2 11 ,23 8 - 7 77 ,460 5 59 ,28 4 42 ,60 7 - 60 1,8 91
BA O 22
SHO A IB MA RK E T,M IS RI S HA
H
LA HORE
9 1 Y OUS A F FO OD INDU ST RIE 26- K M M A IN M ULTA N RO A D,NE A 3 520 222 00 493 7 99 0,6 - - 9 90 ,648 9 81 ,20 2 14 ,66 9 - 99 5,8 71
S R 48
P V T LT BA TA FA CT ORY, LA HOR
D E
9 2 A LI C LOT H HOU SE SH OP # 1 , B 3 520 265 68 992 1 1 ,80 8,3 - - 1,8 08, 338 1,8 08 ,338 - - 1 ,80 8,3 38
ILA L 38
MA RK E T,LA HO RE B LOCK A Z A
M
CLOT H M A RK ET , LA HO
RE
9 3 Y OUNA S B E E F S HO P SH OP # 1 , US M AN MA RK E 3 520 224 261 67 1 1 ,58 3,1 30 ,84 3 - 1,6 13, 947 1,4 47 ,532 - - 1 ,44 7,5 32
T,4 04
ZA IL DAR ROA DICHH RA L A
HORE
9 4 LO DHI E NT ER PRI SE S 4-A , CHINA TO WER ,S HA HAL 3 520 273 68 010 9 1 ,33 0,7 39 ,06 3 - 1,3 69, 798 1,2 12 ,282 18 ,50 8 - 1 ,23 0,7 90
AM 35
MA RK E T, L AH
ORE
9 5 CRY S TA L P UB LIC AT IONS AL -M E RA J CE NTE R, 22 3 520 266 04 592 9 1 ,33 0,7 21 ,92 6 - 1,3 52, 661 1,3 30 ,735 115 ,32 7 - 1 ,44 6,0 62
URDU 35
BA Z A R, L AHO
RE
9 6 A L-R IZWA N DY IN G ST OP # 25 ,NE AR 3 520 112 874 997 1 ,38 1,6 2 4,11 8 - 1,4 05, 746 1,3 53 ,861 93 ,40 1 - 1 ,44 7,2 62
WAS A 28
DIS P OS A LJIY A MUS A ,S HA
HDRA
LA HORE
9 7 WA LI T RA DING COM PA NY H # 1 4, ST # 52- A ,MA IN B AZ 3 840 374 091 54 5 76 4,0 6 ,59 5 - 7 70 ,637 7 37 ,00 0 - - 73 7,0 00
AR 42
SHA K A R G AR IA NTO HEE DA B A
D,
RAV I RO A D LA HO
RE
9 8 WA MA LE E INT E RNA TIO NA ROOM -3 01 , 3RD FL OORA S HRA 3 520 214 89 529 3 83 4,1 51 ,10 8 - 8 85 ,273 8 34 ,16 5 51 ,10 8 - 88 5,2 73
L F 65
PA K IS TA PL A ZA ,1 7- ME CL OA D ROA
N D
LA HORE
9 9 ZA F A R T RAD ING C O ROOM # 22 7-2 3 520 249 909 22 3 90 2,3 19 ,03 9 - 9 21 ,395 6 72 ,08 7 6 3,01 1 - 73 5,0 98
28 56
ZUL QA RNA INCHA M BE
RS
GA NPA T ROA D L A
HORE
1 00 A FZ A L A HME D H# 4 0/1 3 1S T F LOO R S E 4 250 108 34 272 7 1 ,83 2,9 32 ,72 3 - 1,8 65, 655 7 82 ,07 6 - - 78 2,0 76
CTO R 32
11/G NORT H K A RA CHI
1 01 ZE E S HA N JA M A L RUFI HE AV E N F LA T NO 4 220 172 17 051 3 1 ,83 2,8 33 ,12 9 - 1,8 65, 977 727 ,63 9 - - 72 7,6 39
D311 48
GULS HA N- E- IQB A L B L OCK 1 3-
D/ 2
1 02 A GHA IF TIK HA R HOUS E # 2 S A B RI B UIL 3 520 219 14 785 9 2 ,85 0,9 48 ,81 5 - 2,8 99, 772 1,5 95 ,698 - - 1 ,59 5,6 98
DING 57
NE AR CA LTE X OI L DE P OT P E
CO
ROA D
1 03 A HS AN E LLA HI MA LI K FL AT P 9 S TA R SHE LT E RS B 4 200 005 745 45 1 48 3,2 8 ,48 9 - 4 91 ,714 4 68 ,32 2 42 ,09 3 - 51 0,4 15
L18 25
GULI ST AN E JOHA
R
1 04 B ILA L A HM E D 21- A -11 18T H K HA Y BA N 4 23 01110 66 877 55 5,3 9 ,25 1 - 5 64 ,567 5 26 ,93 2 7 ,45 7 - 53 4,3 89
E 16
TA UHE E D P HA SE 5
DHA
1 05 M A S LA M 3RD F LO OR S A 4 230 186 130 23 7 55 7,1 13 ,49 4 - 5 70 ,637 5 71 ,55 7 76 ,15 5 - 64 7,7 12
UD 43
CHA MB E RHA S A N AL I A FF A
NDI
ROA DILY A S
1 06 MUH AM M AD A S HF AQ H NO 1 02 ST # 36G ULS HA 3 740 306 54 138 9 49 6,0 - - 4 96 ,024 4 86 ,06 8 5 5,11 5 - 54 1,1 83
N 24
AB A DA DY A LA ROA DRA W A LP
INDI
1 07 MUH AM M AD SH AHI D IQB A L HOUS E NO 36,1 0T 4 230 112 280 905 49 6,0 - - 4 96 ,094 5 01 ,01 9 81 ,63 2 - 58 2,6 51
H 94
COM ME RCIA L ST RE E T P HA S E
IV
D.H.A S IDDIQ UE S UNS ET CL
UB
1 08 MUH AM M AD HA NIF P- 57 , S T NO 3H AS S A N P 3 310 007 493 39 1 44 9,5 19 ,28 8 - 4 68 ,832 4 33 ,48 7 1 01 ,66 0 - 53 5,1 47
URA 44
DHUDI WA LA S IA LV I G E NER
AL
1 09 P E RVA IZ MA NZ OO R 395 A E S A M AN PA RK JOHA 3 520 205 413 41 7 49 9,7 26 ,04 4 - 5 25 ,765 4 99 ,73 2 93 ,735 - 59 3,4 67
R 21
TOWN
11 0 S HA HID NA Z IR C 16 B LOCK 1 3- DGULS HA 42 20 107 073 78 5 48 9,1 10 ,15 3 - 4 99, 325 5 01 ,78 5 83 ,482 - 58 5,2 67
NE 72
IQB A L K A RA CHI
11 1 K HA NZA DA QA IS A R 96- E MO DE L TO WN LA HO RE 35 20 015 616 15 1 43 19 ,41 5 - 4 59, 373 4 33 ,07 3 72 ,564 - 50 5,6 37
9,9 58
11 2 HUS S A IN A LI K HA N A 1 48 BL OCK 2 GULS HA N E I QB 4 220 104 31 076 9 82 2,6 16 ,97 0 - 8 39 ,658 8 08 ,10 4 1 35 ,08 0 - 94 3,1 84
AL 88
KA RA CHI


Annexure - 1
Am o un ts in Rup e es
Sr.
No .
IC
141 IRF A N JA M IL 20 6-C ,CLIF T ON G A RDE N IIB L 4 23 01 484 07 941 56 1,8 9 4,2 12 - 6 56 ,06 2 53 7,5 84 115 ,81 3 - 653 ,39 7
OCK 50
3 C LIF TO N K A RA
CHI
142 A S IF M AH MO OD HOUS E # 56 1S T RE E T # 5G 611 012 03 070 37 58 8,9 4 5,5 95 - 6 34 ,53 4 59 0,8 64 1 06 ,27 6 - 697 ,14 0
-11 /1 39
IS LA M A B AD
143 A S IF IS HF AQ UE A HME D S UFI P URA A HME D PU RA KH 3 46 03 841 04 059 38 1,7 14 1,3 75 - 5 23 ,15 3 37 4,1 42 1 88 ,10 8 - 562 ,25 0
AN 78
MA HA L ROA D S IA L K
OT
144 F AI S AL MU JE E B HOUS E NO B -1 36 BL OCK A NO 421 011 83 479 13 46 0,6 10 4,0 71 - 5 64 ,70 7 46 2,5 61 1 51 ,51 9 - 614 ,08 0
RTH 36
NA ZI MA B A D K A RA CHI
145 A B DUL LA TIF H NO 3/C, K HAY A B AN 4 20 00 045 41 675 49 6,7 4 7,1 42 - 5 43 ,90 5 48 7,3 64 86 ,44 9 - 573 ,81 3
E 63
S HA MS HE E R P HA S E
5
146 M A LIK I MT IA Z D-4 7 B L OCK -2 CLI FT ON K A RA CHI 4 23 01 365 35 845 48 10 9,2 82 - 5 98 ,64 9 49 1,2 92 1 52 ,82 4 - 64 4,11 6
9,3 67
147 NA S IR RA UF R 88 B LO CK 16 F B A RE 4 21 01 964 92 509 47 6,1 6 0,3 60 - 5 36 ,48 8 44 8,9 04 73 ,82 2 - 522 ,72 6
A 28
K A RA CHI
148 A M IR A LI H NO 13 S T N O 3 7P OL 3 52 02 266 68 589 46 6,8 7 6,3 31 - 5 43 ,21 7 45 9,9 67 1 24 ,52 6 - 584 ,49 3
ICE 86
S TA TIO NMI S RI S HA HP A
K
NA GA RL
149 M A S OOD UR RE HM A N H NO 10 1 B LO CK 7/ 8 B Y JS OF 422 011 83 509 83 49 3,4 3 3,5 76 - 5 27 ,05 5 49 5,4 04 77 ,39 6 - 572 ,80 0
F. 79
A MIR K HUS RO R OA D K A RA CHI
150 M UHA M MA D A F ZA L CHA K NO. 204 ,R.B DA K HA 3 31 00 362 20 723 45 3,2 6 4,3 23 - 5 17 ,60 6 45 3,2 83 74 ,71 8 - 528 ,00 1
NA 83
K HA S FA IS A LA B A
D
151 A B DUL RA S HE ED 13 2 B LO CK H G ULS HA N R 3 52 02 864 54 135 49 9,8 7 7,8 78 - 5 77 ,71 0 49 9,8 32 1 04 ,30 1 - 604 ,13 3
AV I 32
LA HO RE
152 S HA N K HA N P -16 6/B ST NO .3 SA RF RA 3 31 00 750 10 961 47 2,3 6 6,6 14 - 5 38 ,95 2 47 2,3 38 77 ,44 6 - 549 ,78 4
Z 38
COL ONY P E OP LE S C OLO
NY
NO.2 F
153 RA S HID IRFA N 20 2 S T 74 F 11/1 3 52 006 40 32 239 48 6 4,4 86 - 5 47 ,21 2 47 5,2 13 64 ,99 1 - 540 ,20 4
2,7 26
154 HA S S A N ILY A S K A IF I H.NO .35 ST .NO.5 F -8/ 3 IS L A MA B A D 611 016 89 107 15 43 6 8,4 82 - 5 04 ,81 7 43 6,3 35 80 ,01 5 - 516 ,35 0
6,3 35
155 NA DE E M K HA LIQ P 10 88 BA B L LA L M 3 31 00 338 47 297 47 2,4 7 4,8 51 - 5 47 ,26 5 47 2,4 14 77 ,33 8 - 549 ,75 2
IL L 14
CHOWK F A CTO RY A RE A
156 S A M I A HME D H NO 3/2 1, BL OCK N O 2 421 011 69 453 27 46 0,8 11 9,2 26 - 5 80 ,09 1 46 0,8 65 1 40 ,36 3 - 601 ,22 8
-A 65
NA ZI MA B A D NO 2
157 A B DUL QA YY UM HOUS E NO 2 HA JI P A RK RE HM 3 52 02 926 59 405 50 1,4 6 7,5 64 - 5 69 ,00 8 50 1,4 44 79 ,06 3 - 580 ,50 7
AN 44
P URA LA HOR E
158 M A K BE R RIZ WA N HOUS E 3 /14 3 ST RE E T MA S OO 421 011 78 310 51 58 8,3 18 1,5 05 - 7 69 ,88 9 59 9,8 99 1 95 ,04 8 - 794 ,94 7
M 84
S HA HE E D LIA Q UAT A BA D
3
K A RA CHI
159 G HULA M HUS S A IN FL AT NO 3- F, 3 RD F LOO RM AD 4 23 01 649 01 779 49 9,4 5 6,0 75 - 5 55 ,50 3 49 9,4 28 78 ,98 0 - 578 ,40 8
INA 28
MA NS IO N , MOO S A ST RE
E
160 G HULA M JA NA T FL AT NO 30 /2B HURG I RO A 4 13 03 264 33 380 49 9,8 6 2,8 20 - 5 62 ,69 5 50 1,8 00 89 ,28 4 - 591 ,08 4
D 75
HIRA B A D HY DE RA B A D
161 S Y E D HA S NA IN RA ZA A -52 5 B L OCK - 3GUL S HA N E IQ B 4 22 01 924 50 641 47 7,2 13 5,1 12 - 6 12 ,40 0 47 6,5 67 1 51 ,64 9 - 628 ,21 6
AL 88
K A RA CHI
162 M UHA M MA D A LI HA IDE R H NO 12 S T N O 4 8 A ME HB O 352 011 03 319 71 49 1,6 4 4,7 00 - 5 36 ,39 3 49 1,6 93 77 ,43 4 - 569 ,12 7
OB 93
PA RK WA S S A N P URA
163 A S A ZA D 34 B P UNJA B CO OP E RRA TI 3 52 01 416 87 055 46 8,7 6 3,9 98 - 5 32 ,75 5 46 8,7 57 74 ,74 8 - 543 ,50 5
VE 57
S OCIE T Y DE FE NC E LA
HORE
164 M UHA M MA D NA E E M UD DI N HOUS E # 63 4,S T RE E T # 4 4G- 9/1 4 41 03 284 80 551 46 4 7,2 51 - 5 09 ,70 6 46 2,4 55 82 ,89 5 - 545 ,35 0
2,4 55
165 M A RS HA D LO DHI 9- E 7T H E A S T S T RE E T PH AS E 423 011 99 850 89 44 6,2 4 8,3 57 - 4 94 ,65 3 44 6,2 96 67 ,83 5 - 514 ,13 1
I D 96
H A K AR AC HI
166 JA W A D A S GHA R HOUS E NO 40 4 B L 4 21 01 790 69 871 45 8,8 4 1,6 03 - 5 00 ,49 4 46 0,8 16 72 ,19 9 - 533 ,01 5
OCK 91
15 FE DE RA L B A RE A DA S TA G
IR
K A RA CHI
167 A M IR WA JID HOUS E NO 15 3,S T RE E T 4 22 01 209 44 983 46 9,5 5 0,2 64 - 5 19 ,76 6 46 9,5 02 86 ,59 1 - 556 ,09 3
NO 02
7,S E CT OR NO F -11 /
1,
168 B A S HIR H US SA I N D-9 P TC L OF F ICE RS CO LONY 27 051 50 62 91 45 4 2,4 93 - 5 00 ,99 5 45 8,5 02 73 ,01 8 - 531 ,52 0
8,5 02


Annexure - 1
Am ou n ts in R up ee s
Sr.
No .
NIC
1 69 M S A LE E M A 11 ROO FI COT TA GE S B LK 13 4 220 107 21 248 5 89 9,9 101 ,74 9 - 1, 001 ,68 7 899 ,93 8 141 ,02 6 - 1,0 40, 964
-D- 38
1 GUL SH AN E IQB A L K A RA
CHI
1 70 FA W AD A S G HAR S HA H 6 B 6T H CE NT RA L LA NE P HA S 4 230 181 06 640 3 56 3,8 6 5,89 4 - 629 ,69 5 565 ,72 6 90 ,52 9 - 6 56, 255
E- 01
I IDHA K A RAC HI
1 71 S S AJ JA D G 12 A HMA D RE S IDE 5 02 645 505 67 43 9,7 3 9,41 3 - 479 ,12 3 439 ,71 0 73 ,30 4 - 5 13, 014
NCY 10
G ULIS T AN E JOHA R B L OCK
14
1 72 S HAH AB U DDIN H OUS E -26 9 ST -2 2 E -7 6 1101 67 437 473 84 220 ,50 4 - 1, 067 ,21 7 846 ,71 3 276 ,87 4 - 1,1 23, 587
6,7 13
1 73 RA FIQ A HMA D 1 4/C CRE CE NT P L A ZA B LO 6 110 1188 67 897 50 1,6 4 4,87 4 - 546 ,50 8 501 ,63 4 78 ,27 1 - 5 79, 905
CK 34
7 F.B .A RE A IS LA M AB A
D
1 74 A ME E R A LI S HRO FF F LA T NO.H- 21 6 M .L P A RK V 4 200 004 20 594 5 56 3,2 6 3,02 8 - 626 ,26 6 563 ,23 8 8 7,61 0 - 6 50, 848
IE W 38
S O LDIE R B A Z A R K A RAC
HI
1 75 CH K HA W AR B AS HIR C HA K NO 2 48 R .B 3 310 004 82 813 9 5 00,4 5 1,24 8 - 551 ,68 5 500 ,43 7 8 9,82 0 - 5 90, 257
37
N AI AD ADY B IS M ILL A HPU
R
FA IS A LA B A
D
1 76 MUHA M MA D SA E E D H NO E - 21, AK HRI WAG 3 520 158 87 168 1 4 96,3 5 9,53 5 - 555 ,88 7 49 6,35 2 9 2,57 9 - 5 88, 931
ON 52
S T OP GUL S HA N PA RK NI SH
AT
COL
1 77 M A LI S HE IK H H E 19 / A 2 AL I S T FIR 3 520 112 984 86 7 49 9,9 1 6,76 8 - 516 ,73 3 499 ,51 4 78 ,35 4 - 5 77, 868
12 DOUS 65
PA RK CA NT T L A
HORE
1 78 IRTA Z A M A LIK A W A N H NO 3 14S T NO 14CH AK L 3 740 503 49 481 9 49 9,7 11 ,05 7 - 510 ,77 7 499 ,72 0 79 ,07 3 - 5 78, 793
AL A 20
S CHE M E III RAW A L PI
NDI
1 79 RA HAT HUS S A IN R -23 8,S E CT OR Z -6 GULS HA 4 250 161 30 033 1 49 8,8 1 2,79 7 - 511 ,60 1 498 ,80 4 91 ,16 4 - 5 89, 968
NE 04
M A YM A R
1 80 WAQ A R INA M H NO B - 311, B LOCK K - 6GU LS HA 4 220 118 609 231 47 9,8 1 2,45 2 - 492 ,28 6 479 ,83 4 87 ,83 9 - 5 67, 673
N 34
E IQB A
L
1 81 RA ZI NAY Y E R H NO 2 5- B/ 2, 1 S T CE NT 4 220 175 24 183 7 47 5,0 2 1,81 8 - 496 ,87 0 465 ,35 4 7 5,03 5 - 5 40, 389
RA L 52
LA NE P HAS E I I,
DHA
1 82 MUHA M MA D IQB A L H OUS E # 6 0A S TR EE T # 4FA IS 6 1101 71 506 445 4 98 , 10 ,87 6 - 509 ,08 7 49 8,2 11 78 ,68 7 - 5 76, 898
AL 211
COLO NY CHA KL A LA RA WA L PI
NDI
1 83 ZIL L UR RA HMA N K HA N A / 19 G A LLA NT S A MM IT BL 3 520 259 88 332 3 49 9,9 10 ,99 9 - 510 ,90 1 499 ,90 2 79 ,04 1 - 5 78, 943
OCK 02
1 1GUL S HAN E IQB A L K A RA
CHI
1 84 S AM RE E N E HT ES HA M 5 7/11 MA IN COM ME RCIA 4 230 135 14 693 6 49 6,1 11 ,01 5 - 507 ,20 9 496 ,19 4 78 ,55 2 - 5 74, 746
L 94
A V E NUE P HAS E I V DHA KA RA
CHI
1 85 MUHA M MA D K A M RA N H NO 2 02 A /7 K AR EE M B LO 3 520 290 72 393 3 47 0,9 4 7,80 6 - 518 ,76 4 434 ,61 5 71 ,89 4 - 5 06, 509
CK 58
S ADD IQUE M K TA LL A MA IQB A L T
OWN
1 86 M S HA HB A Z S HA RIF 3 2- C GUL B 3 310 02 518 8611 48 7,3 1 0,81 8 - 498 ,16 5 489 ,27 2 77 ,21 9 - 5 66, 491
ERG - 47
C OLO NY FA IS A LA B A
D
1 87 M O ME R M A LIK 3 1/2 K HAY A B A N-E 4 230 122 67 506 1 41 2,5 105 ,19 6 - 517 ,70 1 414 ,43 0 163 ,72 9 - 5 78, 159
- 05
M OHA F IZ P HAS E 0 5
DHA
K A RA CHI
1 88 A DAM JE E 5 38 /11 B A GG OS RA CE NTE 512 911 904 33 55 1,3 11 ,30 3 - 562 ,61 0 553 ,23 2 89 ,25 1 - 6 42, 483
R 07
J AH ANG IR RO AD
1 89 MO HD NA S IRUDDIN N W-73 4B LO CK -D1S 3 740 506 60 864 5 51 7,1 5 9,46 9 - 576 ,62 7 497 ,73 1 10 4,84 8 - 6 02, 579
T 58
F LO ORS A TE LL IT E
TOWN
R AW A LP IND
I
1 90 IRFA N D AUD B 167 B LO CK 18 GUL SH AN 4 220 141 85 392 3 4 99,8 3 3,56 1 - 533 ,44 8 480 ,02 0 8 0,01 5 - 5 60, 035
-E - 87
IQB A L K A RA CHI
1 91 A SI F I QB A L S A IGO L P L OT NO 8 5- C FL AT NO 1P 4 230 159 68 345 5 5 20,7 9,71 3 - 530 ,46 7 52 2,67 9 8 3,59 0 - 6 06, 269
HA S E 54
7 DHA K A RA CHI
1 92 PA RV E Z 127 4/1 5B LOC K- 15 F.B A RE 501 496 84 392 45 6,1 102 ,18 9 - 558 ,35 3 421 ,98 4 131 ,36 7 - 5 53, 351
A 64
K A RA CHI
1 93 S A S A D A LI F LA T- D-7 1S T FL OOR 4 210 117 009 367 34 4,7 6,98 4 - 351 ,76 5 438 ,89 2 67 ,89 6 - 5 06, 788
NOOR 81
AP P A RTM E NT B L OCK -K NO
RTH
N AZ IM A BA D KA RA CHI .
1 94 NA SR EE N F LA T NO K /6 06R UFI LA K E 4 220 156 97 494 4 49 8,4 1 2,65 5 - 511 ,12 8 496 ,10 3 82 ,91 2 - 5 79, 015
DRIV E 73
7TH FL OORB L OCK 1 8
GUL
1 95 MUHA M MA D A RIF QU RE SHI B / 108 S A A V E NUE 1G ULZ A 4 130 340 00 273 5 13 1,5 - - 131 ,54 8 471 ,06 8 82 ,93 5 - 5 54, 003
RAH R 48
E HIJRI
1 96 RUK S ANA S UL MA N S T R NO .1 H NO.3 GUL SHA N 3 520 278 38 172 4 48 2,5 12 ,57 4 - 495 ,14 9 496 ,04 0 95 ,33 5 - 5 91, 375
E 75
HAY AT S HA HDA RA M OR

Annexure - 1
Sr.
No .
NIC
11 3 MO HD RE HA N S HA IK H H NO A/ 116- 34 -2 03,H IRA B AD NE 41 30 363 70 643 7 463 ,48 10 ,391 - 473 ,87 2 45 4,2 12 7 4,3 77 - 52 8,5 89
AR 1
LA L MA S JID HYD ER AB A
D
11 4 RIZ WAN A Y YA Z 25 1/1 Z- P HA S E- IIID HA C AN 3 520 114 545 233 488 ,66 - - 488 ,66 0 47 6,1 44 4 9,1 57 - 52 5,3 01
TT 0
LA HRO E
11 5 S RE HA N S HA H B 9 FA RHA N S QUA RE S E CT OR 5 02 573 849 28 437 ,80 8 ,916 - 446 ,71 8 43 8,6 71 6 1,7 79 - 50 0,4 50
15 2
A /5 BUF F E R Z ONE NORT
H
K A RA CHI
11 6 NA S EE R A HM E D 67 /C 11 TH COM ME RCIA L S TRE 4 230 113 136 48 5 463 ,18 42 ,502 - 505 ,68 3 46 3,1 81 5 2,5 19 - 51 5,7 00
ET 1
P HA S E II, E X T , D,
H,A
11 7 MO HA MM E D A SL A M HOUS E # A - 2 0 P A RO WA 41 30 621 58 563 3 1,1 03 ,76 84 ,25 4 - 1,1 88 ,01 7 1 ,10 3,7 63 8 3,0 31 - 1 ,18 6,7 94
DHO 3
WA H ROA D, NOORA NI NA GA R
QA S IM A BA D, DIS TRI
CT
HY DE RA B A D,
11 8 MO HA MM A D A HS AN MA L IK H # 15 8, S T RE E T # 64 , S E CTO 6 110 1195 18 685 724 ,24 56 ,516 - 780 ,76 0 72 4,2 44 5 3,1 00 - 77 7,3 44
R G- 4
8/1 , IS L A MA B A
D.
11 9 K AB E E R KH AN R-1 50 E V ERG RE E N B A NGLO 42 20 144 47 056 7 543 ,18 42 ,846 - 586 ,02 9 54 3,1 83 6 3,3 96 - 60 6,5 79
W 3
GUL S HA N E IQB A L 13
D/3
1 20 K AS HI F Q UDDUS HOUS E # 21 9S T RE 6 110 1011 57 841 443 ,91 22 ,377 - 466 ,29 4 44 5,8 42 7 9,8 86 - 52 5,7 28
ET # 7
74 S ECT OR # G -9/ 3IS LA M A B
AD
1 21 A MIR MA HM OOD H NO .13 /B S HA HID RO A DS 35 20 170 22 020 5 492 ,98 25 ,301 - 518 ,28 4 49 4,9 08 8 9,1 51 - 58 4,0 59
UNNY 3
CHOW KCA NA L P OINT HOU SI
N
1 22 A HME D N AD EE M H NO 3- B ST NO 72 F- 6 110 1211 77 391 763 ,63 85 ,132 - 848 ,76 7 76 3,6 35 17 0,4 29 - 93 4,0 64
8- 5
3I SL A MA B A D
1 23 ME HM OO D ILY A S KH AN H NO C-2 5, BL OCK HNO 42 10 163 93 965 7 495 ,09 22 ,26 9 - 517 ,36 2 49 7,0 18 7 7,7 06 - 57 4,7 24
RTH 3
NA ZI MA B A D K A RA CHI
1 24 A BD UL S A MI S A GGU PA K IS T AN RE V 37 40 517 25 792 1 873 ,38 97 ,27 6 - 970 ,65 6 82 1,4 08 13 4,9 61 - 95 6,3 69
ENU E 0
A UTO MA TI ON P V T LTD HA LL#
50 6
5T H F LO OR AV A CUE E T RUS
T
IS LA M A B AD COM P LE X S IR A
GHA
K HA N ROA D
1 25 S AL E E M J AHA NG IR H # 29 1-A 7 TH ROA DNE 37 40 535 56 042 5 495 ,82 37 ,79 4 - 533 ,62 1 48 5,8 46 8 8,7 45 - 57 4,5 91
W 7
MA L LP URS A TE LL IT E TO
WN
RA W AL P
INDI
1 26 S YE D ME HDI RA ZA C-7 S E A PA 42 30 129 16 813 5 498 ,80 33 ,95 1 - 532 ,75 4 48 8,8 27 7 7,2 43 - 56 6,0 70
RK 3
A P PA RT ME NT B LOC K- 2 C LIF TO
N
K A RA CHI
1 27 K A MRA N A K RA M BU TT H NO .13 /15 8 M OHA LL A 3 460 32 1102 79 5 499 ,77 16 ,55 0 - 516 ,32 9 49 9,7 79 7 2,3 75 - 57 2,1 54
H 9
T IB ATA NCH I S IA LK
OT
1 28 HA S AN S AE E D H NO 16 , S TR EE T NO 10B L OCK 42 00 044 95 360 7 460 ,41 24 ,16 0 - 484 ,57 9 46 0,4 19 8 3,6 45 - 54 4,0 64
4- 9
D, NA Z IM A BA D KA RA CH I
1 29 E HS AN E LA HI M A LIK 58 7-G GUL S HA N E RA V I 27 3411 130 35 22 ,064 - 513 ,65 8 49 3,5 19 7 7,0 98 - 57 0,6 17
491 ,59 4
1 30 MI AN FA ROO Q A MI N 31 4-G GP HA S E 4DHA L A 35 20 137 59 873 5 599 ,29 17 ,246 - 616 ,54 1 59 9,2 95 8 4,1 86 - 68 3,4 81
HORE 5
OP P HA LE E M CA MP US LA
HORE
1 31 A SM A JA VE D 15 7 F 2 JOHA R T OWN 35 20 222 69 466 8 467 , 21 ,203 - 488 ,93 4 46 7,7 31 7 3,4 47 - 54 1,1 78
73 1
1 32 IM RAN MA HM OO D 99 -B P CS IR H OUS 35 20 264 52 254 9 453 ,54 87 ,938 - 541 ,48 3 43 5,4 77 12 1,7 47 - 55 7,2 24
ING 5
S OCIE T Y PA RK - I LA HO
RE
1 33 MUH AM M AD RIA Z K HA N H NO S -2 /814 S A UDA B ADM A LI 42 20 174 41 651 3 453 ,61 23 ,44 8 - 477 ,05 8 45 3,6 10 8 2,0 54 - 53 5,6 64
R 0
TO WN
1 34 S HA HID A NWA R B /18 1S E CTO R 11 /B NORT 42 00 005 37 761 7 435 ,69 85 ,44 4 - 521 ,14 1 42 9,0 32 12 9,6 30 - 55 8,6 62
H 7
K A RA CHI, K A RA CHI
1 35 MO HA MM A D INA M H NO 28 0B UK HA RI 4 240 119 359 16 9 499 ,34 22 ,52 6 - 521 ,86 6 49 9,3 40 7 8,3 01 - 57 7,6 41
0
COL ONY B A NA RUS ROU ND
A B OUT ORA NG I
T
1 36 S A LMA N A HM E D A 17 4/1 B LOC K VI IIK .A .E .C. 42 00 004 66 394 3 579 ,93 26 ,08 7 - 606 ,02 6 57 9,9 39 9 0,8 65 - 67 0,8 04
H. 9
S OCIE T Y K A RA
CHI
1 37 MI RZA S HOA IB B A A IG HOUS E # D-11 7- A B L OCK 4 F 42 10 192 27 499 5 453 ,95 19 ,097 - 473 ,05 1 45 3,9 54 4 6,9 69 - 50 0,9 23
B 4
A RE A
1 38 NA S EE M A K HTA R HOUS E # 3- C/1 BL OCK 37 40 566 19 785 1 482 ,38 9 ,568 - 491 ,94 8 48 2,3 80 4 8,1 58 - 53 0,5 38
C 0
S AT T EL IT E
TOWN ,
1 39 B IS HA RAT S UB HA NI H# 684 B LO CK 3 S E C. D -2 GRE 35 20 223 34 298 3 476 ,46 9 ,766 - 486 ,23 1 47 6,4 65 4 3,8 80 - 52 0,3 45
EN 5
TO WN
1 40 MUH AM M AD S IK AN DA R JA HA NGI R P E TRO L S E RV 42 20 160 09 009 3 641 ,35 38 ,341 - 679 ,69 7 64 1,3 56 1 8,7 59 - 6 60, 115
ICE 6
MUG HA L MA I N NAT IO NA L HIG HWAY Q
UAI
LA NDHI NE A R UF ONE OF F
ICE

Annexure - 1
Am o un ts in Rup e es Am ou nt s in Ru pe e s
Sr .
No.
CNIC
1 97 TA RIQ MA Q S OOD NA JA M H NO 1 47 1 S T NO 1 9M A K KA 35 20 259 77 601 9 4 79, - - 47 9,1 51 4 98, 973 83 ,7 71 - 58 2,7 44

H 151
CO LO NY GUL BE RG
III
1 98 NA DE E M Y O US UF H # A -1 , A MB E R H EI GHT S 4 200 07 8811 89 7 4 20, 8, 644 - 42 8,7 30 4 41, 52 0 7 5,8 26 - 51 7,3 46

LA L 086
M UHA M MA D C H. RO AD B LK 7/ 8,
K A RA CHI .
1 99 S Y ED S AL E E M S HA H H NO 3 24 S T NO 49 G- 10 /3 43 10 201 73 907 3 4 10, 065 - 50 6,2 50 4 98, 81 5 8 5,4 46 - 58 4,2 61

96, 185
2 00 A RS HA D A LI H- 2 B L OCK - 7S E C F -7 /2IS B RA 6 1101 90 354 53 1 6 26, 12, 416 - 63 9,0 50 6 38, 76 1 10 9,2 39 - 74 8,0 00
NA 634
M A RK E TI SL A MA B A
D
2 01 M FA IS A L M UNIR S W 105 R 2 3RA I LIG ON RO A 35 20 219 46 751 5 4 88, - - 48 8,6 53 5 00, 58 7 8 3,7 03 - 58 4,2 90
D 653
NE A RV E T E RNA RY COL LE GE L
A
2 02 JUNA ID ULLA H S IDDIQ UI H NO 5 39 , S E CTO R 36 /CK OR AN 42 20 180 44 139 3 4 79, - - 47 9,2 64 4 94, 772 8 4,5 22 - 57 9,2 94
GI 264
NO 05
2 03 S HA HZA D GHA NI S H H # 9 2/E S A TE LL IT E TO 37 40 575 93 784 7 4 38, 11, 367 - 44 9,8 32 4 54, 45 1 7 8,2 83 - 53 2,7 34
WNE 465
B L OCK RA W A LP
INDI
2 04 M A B DUL GHA F FA R F LA T NO C- 52 S UNNY HE IG 42 20 104 36 401 3 4 78, 10, 870 - 48 8,8 95 4 61 ,02 0 9 5,9 46 - 55 6,9 66
HTS 025
B L OCK 2 0RA S HID MINH AS
RO
2 05 M. HA SE E B - UR- R EH MA N D- 71 B LO CK 4GU LS HA N- 42 20 104 14 008 1 5 13, 10, 637 - 52 4,5 66 5 59, 66 8 9 7,7 81 - 65 7,4 49
E- 929
E IQ B AL K A RA
CHI
2 06 MO HD NA V E ED JA HA NIA 3 92 B LOCK Y D HA 2 65 610 51 931 3 02, 6, 241 - 30 8,8 70 5 50 ,02 1 9 3,4 16 - 64 3,4 37
629
2 07 S HOUK A T H AY AT S A IM A HE AV E N A 20 3B LO CK 5 18 535 86 925 4 69, 9, 473 - 47 8,7 78 4 60 ,50 8 8 2,6 55 - 54 3,1 63

4 305
G ULS HA N E I QB A L K A RA
CHI
2 08 HILA L A S ID DIQUI B 3 32 BL OCK 1 4G ULIS T AN 42 20 107 41 659 1 4 64, 29, 633 - 49 3,6 76 4 85, 36 7 12 3,6 36 - 60 9,0 03
-E - 043
JO HA R K A RA CHI
2 09 A HME D U S HA B B IR 3 22 -A CA NA L V IE W H OUS 35 20 229 69 514 5 4 82, 9, 844 - 49 2,6 84 4 83 ,80 9 5 2,4 97 - 53 6,3 06
ING 840
S O CIE TY T HOK A R N IA Z BA IG
LA
2 10 IJA Z AH MA D H NO.8 3 S T NO. 13 MUHA L LA 35 20 172 63 764 1 4 52, - - 45 2,3 10 4 82, 37 8 9 7,0 83 - 57 9,4 61
H 310
G UJJA R P URA B A GH BA NP UR A
2 11 K HURRUM JA W A ID H # 6 K HAY A B AN -E -IQ B A LF 6 1101 70 144 52 1 5 86, 14, 238 - 60 0,7 08 5 89, 69 0 8 9,5 44 - 67 9,2 34
- 470
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Annexure - 1
Am o un ts i n R up ee s
Sr.
No .
NIC
22 5 F A RRUK H M US TA FA HO US E NO 1 950 C/1 S TRE E T 2 107 20 699 54 43 4,6 8 ,85 1 - 443 ,54 0 43 4,99 8 8 1,9 16 - 5 16 ,914
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7 INDUS RO A D NO 2 TA RIQ AB A
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E 62
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RTH 76
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24 8 A Q EE A HM E D HO US E NO 4 2/1 ST RE E T 3 740 53 623 1119 46 9,4 - - 469 ,40 9 46 2,83 1 9 9,4 36 - 5 62 ,267
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24 9 A RS HA D S O HA IL HO US E NO A A 139 2/B S T RE E T 37 40 554 605 18 9 58 9,0 23 ,83 9 - 612 ,90 7 57 8,02 0 11 1,88 1 - 6 89 ,901
NO 68
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ULTA N 40
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A 58
K A RA CHI

Annexure - 1
Sr.
No .
IC
25 3 MUHA M MA D MA NS HA HO US E NO 2 62 ST RE E T 61 101 97 750 65 9 4 98, 11, 455 - 50 9,6 46 5 92 ,93 0 12 8,8 85 - 72 1,8 15
NO 191
7 9S E C G- 11/ 2IS LA M A B A
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LA 715
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25 5 AM IR A L I A LY NT O A P PA RE L 452 S 42 10 126 26 811 7 5 16, - - 51 6,8 96 5 25 ,27 2 - - 52 5,2 72

UNNY 896
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25 6 MUHA M M AD HA NIF S UIT NO . 30 2 3 RD F LR, AL A SA 5 017 40 305 33 5 13, - - 51 3,7 98 5 29 ,80 8 - - 52 9,8 08
R 798
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25 7 WAJ ID A LI SH AH M A JID T Y RE S S HOP NO 6 NE 35 20 281 85 788 3 5 21, - - 52 1,0 70 5 29 ,31 8 - - 52 9,3 18

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25 8 WAQ A S K HA LID WA QA S G A RME NT S S IT YA 33 10 628 24 243 9 5 19, - - 51 9,0 51 5 43 ,34 6 - - 54 3,3 46

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25 9 AR IF S EA R P RO GRE S S IV E K NIT WE A RS P 35 20 223 17 502 7 5 35, - - 53 5,8 39 5 58 ,88 6 - - 55 8,8 86

VT 839
LT D 2 3 K M F E ROZ E P UR ROA
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26 0 AB DU L LA T IF B UIL DING NO 4 -C, 1S T F 42 00 004 54 167 5 5 30, - - 53 0,8 82 5 59 ,02 9 - - 55 9,0 29

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NY 802
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Annexure - 1
Am ou nt s in R up ee s
Sr.
No .
NIC
2 81 AT IF UDDIN HOUS E N O R/2 25 B LOCK 4 210 12 260 40 01 54 5,1 - - 5 45, 136 630 ,09 4 - - 63 0,0 94
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TR . 81
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- 90
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2 89 MO HD S A LE E M B UNGL OW NO A -11 4 220 10 721 24 85 48 0,7 - - 4 80, 745 540 ,20 2 - - 54 0,2 02
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Annexure - 1
Am o un ts in R up ee s
Sr.
No .
IC
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Annexure - 1
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Annexure - 1
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Annexure - 1
Am o un ts in Rup ee s
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No .
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4 06 MA L IK MU HA MM A D NA S A -5 5 S E CT OR 1 4-B SHA DM A 4 210 117 280 48 1 54 1,60 7 ,70 9 - 54 9,3 16 51 9,6 89 31, 148 16, 541 5 67, 378
IR N 7
JA MA L T OWN NO -2 NORT H K A RA
CHI
4 07 MO HA MM A D A S HRA F B -5 9, B L K -A , NO 4 220 137 76 671 9 59 0,90 - - 59 0,9 07 49 8,4 07 9, 944 1, 103 5 09, 454
RTH 7
NA Z IMA B A D,NE A R S .B
.P ,
4 08 S Y ED HA S NA IN HA IDE H # 12 2 S T # 4 G ULS HA NA B A 3 520 063 41 795 5 56 7,12 - - 56 7,1 20 50 9,3 54 5, 727 28, 074 5 43, 155
R D 0
B OK HA RI A DYA L A ROA D
4 09 TA M EE Z UD DIN A HME D H # 1 , GUL S HAN PA RK M A 3 520 229 17 014 1 58 6,61 - - 58 6,61 9 58 6,6 19 1 08, 203 44, 942 7 39, 764
IN 9
A TT E FA Q R OA D NE A
R
M AN SO ORA H M ULTA N ROA D
4 10 MO HD A K RA M A LI H # 85 -I- B -2 TOWN SH IP LA HORE 6 110 150 207 83 9 67 9 ,03 3 2,3 99 68 9,3 21 65 2,0 84 50, 777 7, 621 7 10, 482
7,88 9
4 11 MU HAM M A D AL I HA S HM I HOU SE # 19 1, BL OCK # H- 3 520 223 27 936 3 84 8,65 17 ,40 7 - 86 6,0 65 68 6,4 23 6, 678 46, 766 7 39, 867
4, 8
P HA S E -I MI DWAY S OUT
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OWN.
4 12 MI AN S A LMA N K HAL ID 87 -B RE HM A N P URA LA HO RE 3 520 22 664 160 5 82 9 ,47 9 - 82 9,7 50 75 7,5 43 46, 713 - 8 04, 256
0,2 71
4 13 MU HAM M AD AS L A M A DA M CHOWK G HULA M 3 630 255 23 038 9 52 2,82 5 ,91 6 - 52 8,74 2 48 2,2 99 27, 044 5, 678 5 15, 021
6
M UHA MM A D A BA D,
4 14 S HA HID A LI GA NDH IYA RO AD, MO HA LA H 3 510 233 06 157 3 68 6,86 8 ,46 0 - 69 5,32 7 6 11,5 80 25, 791 - 6 37, 371
NA I 7
A B A DI, K OT RA DHA K IS HA N, TE
H
N DI ST
T
4 15 A B SA R SA E E D S HOP # 75 , 3R D FL OO R, P 3 610 355 12 199 1 57 6,35 - ( 7,3 15) 56 9,04 3 51 6,9 31 22, 812 - 5 39, 743
AC E 8
S HOP P ING MA L L, MA
IN
B OUL E VA RD.
4 16 A HME D NOOR HOU SE # 29 2 S T RE E T # 4 220 14 3311 87 9 57 9,67 - 9,0 55 58 8,7 31 50 4,3 27 5, 281 18, 339 5 27, 947
4 6
K ORA NG I NO 3
4 17 MU HAM M AD IRFA N H#C -1/ 493 LA NDH I NO2 K A RA 4 220 171 48 671 3 71 6,73 9 ,24 5 - 72 5,98 4 66 3,1 28 16, 723 37, 237 7 17, 088
CHI 9
NE A R T O B A B A R MA RK E
T
4 18 MU JE EB U R RE HMA N HOU SE - 30 7 S T RE E T NO 1 530 332 56 636 9 76 2,08 17 ,57 1 - 77 9,6 56 62 7,4 88 30, 265 - 6 57, 753
02 5
UP P E R GI ZRI CLIF TO N HA S S A
N
S HA HE E D ROA
D
4 19 S A LM AN RA MZ A N S E V 2 0, S - 11, M A IN B A Z A R B 3 520 294 69 078 5 1, 017 ,42 39 ,89 7 - 1, 057 ,32 1 9 72 ,811 75, 028 21, 588 1,06 9,4 27
IB I 4
P AK D AM A N
4 20 A HME D HUS SA I N HOU SE N O 6 S TRE E T 3 730 145 82 923 5 48 3,85 20 ,13 4 - 50 3,9 89 48 3,8 55 24, 815 - 5 08, 670
NO 2 5
B E RB GT OWN P A F CHA KL A
LA
ROA D DHOR K HA B B A
RA W A LP
INDI

Annexure - 1
Am ou nt s in Ru pe es
Sr .
No.
CNIC
42 1 L UQM A N S A JID M OH AM M AL A H B A K H S TRE E 341 01 419 68 185 5 10 , 8, 247 - 5 19 ,15 6 51 0,90 9 1 2,9 46 - 52 3,8 55
T 909
NO 3 MO HA LLA H HUS S AI N S HA
H
GUJRA NWA LA
42 2 M UHA M MA D M US A WA R HOUS E NO. 27 4, S T RE E T N O. 611 010 58 925 25 511 , 22, 468 - 5 33 ,65 7 51 1,18 9 27, 711 - 53 8,9 00
11 , 189
ABBASI SHA HZ A D T OWN I SL A MA B A
D
42 3 S HA F IQ U R RE HM AN A Z IZ A B AD B AH AD UR P 47 3011 59 537 43 6 60 , 900 - 6 61 ,73 8 66 0,8 38 2 7,7 81 - 68 8,6 19

OLY 838
T E CHNM IQU E COLL E
GE
P E S HA W A R
42 4 S HA HID AS L AM CHA K# 67 -A , N .B NE A R B OY 384 03 224 38 963 5 60 , 9, 356 - 5 69 ,59 9 56 0,2 43 1 4,8 33 - 57 5,0 76
S 243
H IGH S CHO OL , P /O DHA RE
MA ,
TE H & DI S TT, S AR
GODHA .
42 5 M UHA M MA D RA S HID JAV A ID H .19 6/B RA HE E M MA RK E 352 02 835 57 647 5 23 , 14, 075 - 5 37 ,25 3 52 3,17 8 1 8,4 69 - 54 1,6 47
T 178
M ULT AN ROA D L A
HORE
42 6 NO ORUDDI N HA B IB S A NJI B - 18 7 B LO CK -C, NORT 420 00 257 58 615 5 96 , 14, 039 - 6 10 ,34 2 59 6,30 3 2 0,8 50 - 61 7,1 53
H 303
NAZ IM A B AD K A RAC HI
42 7 A B DUL A Z IZ K HA N M OB IL INK 4 TH FL OOR. AS 121 01 994 01 283 1,0 38, 34, 207 - 1,0 72 ,680 1, 038 ,47 3 4 5,0 76 - 1 ,08 3,5 49
IA 473
P A CIF IC T RA DE CE NT RE ,MA
IN
R AS HI D MI NHA S RD, GULI S TA
N JA UHA R
E
42 8 M UHA M MA D IM RA N G A LI P E P A L WA LI H # B - 1- 24- 346 03 575 59 719 6 87 , 23, 760 - 711 ,16 0 68 7,40 0 3 2,5 26 - 71 9,9 26
22 7 400
MOH AL LA H K O TL I B E HRA
M
S I AL K
OT
42 9 Z IA RA T G UL CHOWK G ULDA RA , DA K HA 173 01 990 89 213 6 05 , - - 6 05 ,15 8 60 5,1 58 5 3,1 58 - 65 8,3 16

NA 158
KA K S HA L M OHA L LA
H
TA RIQA B A D NO 2,K A K S HA
L,
43 0 RA Z A K HA N S T # 02, S HA HB A Z T OWN, P 17 3011 51 209 75 5 23 , 5, 012 - 5 28 ,30 9 51 3,6 71 9 7,0 50 - 61 0,7 21

O 297
Y A K AT OO
T,
43 1 RI ZWA N HA ID ER JA FF E RY H # 1 8 - D K HA YA B A N- 611 019 17 368 01 5 09 , 17, 991 - 5 27 ,37 6 50 9,3 85 23, 118 - 53 2,5 03
E- 385
SHA HWA RDI G - 6/
4,
43 2 T AR IQ M A LIK GULB A RA CHO WK K AH SHA 173 01 964 05 651 4 75 ,58 - - 4 75 ,58 9 47 5,5 89 2 7,3 72 - 50 2,9 61
F 9
WA Z IR A B A D NO 1
43 3 S HA HZ A D FL AT # E - 5 , S EM ORI NA MA 424 01 495 33 969 5 19 , 10, 994 - 5 30 ,62 4 51 9,6 30 1 6,2 80 - 53 5,9 10
NOR E 630
P L OT # 1 84 GA RDE N E A S
T
43 4 S O HAI L K HA N 5 40 G/2 , WA P DA TO WN 352 02 869 23 609 5 38 , 22, 940 - 5 61 ,61 4 53 8,67 4 2 8,2 60 - 56 6,9 34
674
43 5 M UHA M MA D A F ZA L P L OT NO 2 39 13 B1 NE A R A B 311 016 32 485 59 6 21 , 14, 488 - 6 35 ,66 1 62 1,1 73 2 1,5 30 - 64 2,7 03
U 173
B A K A R R OA D TO WNS
HIP
43 6 S Y E D A B B AS H US SA IN H # 4 / 1 7 F A ROOQ -E - A Z A M 363 02 406 04 891 6 63 , 28, 019 - 6 91 ,37 6 66 3,35 7 3 5,6 65 - 69 9,0 22
ST . 357
SI DDIQY IA RO A D GUL GA S
HT
43 7 M UHA M MA D A MJ AD 1 35 GII WA PD A T OWN LA 611 016 54 357 27 8 18 , - - 8 18 ,96 1 81 8,96 1 9,0 37 - 82 7,9 98
HORE 961
N EA R TO WAP DA T
OWN
R OUNDA B OUT
43 8 M UHA M MA D L AT IF H # 8 S EC OND F LO OR S IT 383 03 991 08 817 5 88 , 4, 446 - 5 93 ,35 2 58 8,90 6 3 8,0 82 - 62 6,9 88
AR 906
PL A ZA TA L AB ROA D NO
THIA
QA DE E M P S H CA
NTT
43 9 T AH SE E N K HA N S HO P # 3 21 9 / B RE HMA 363 02 709 75 389 6 65 , 39, 021 - 7 04 ,87 6 66 5,85 5 4 6,6 66 - 71 2,5 21
N 855
C EN TRE G A RDA ZI MA RK E
T
G ULG A SHT M
UL
44 0 S IK A NDE A R S HA HE E N T AR IQ H # 3 1, SO HNI S T # 47, GA 352 02 719 53 145 5 92 , 24, 469 - 6 16 ,62 3 59 2,1 54 3 1,2 19 - 62 3,3 73
NDA 154
ENG INE G AW A LM A
NDI
44 1 S Y E D S A A L I RA Z A JA FF RI A P P E R P ORT IO N H # 352 02 847 49 079 5 15 , - - 5 15 ,05 5 51 5,05 5 5,3 92 - 52 0,4 47

JJID 37 055
G ULF IS HA N CO LON Y GULS HA
N-
E - RAV I
44 2 CH AUD HRY MUNA W A R MUZ ZA M ULL TE HS IL AND DIS 352 02 306 07 141 5 60 , 29, 464 - 5 89 ,78 7 56 0,3 23 3 5,0 83 - 59 5,4 06
TT 323
HUS S A IN LA HORE
44 3 T AR IQ M A LIK GULDA RA CHO WK ,K A K SHA 173 01 964 05 651 4 75 , - - 4 75 ,02 5 47 5,02 5 3 0,6 62 - 50 5,6 87
L 025
WA Z IRA B A D # 1 P E S HA W AR CIT
Y
44 4 A S HIQ HUS S A IN H OUS E NO 17 ST 3 7 G -6 /2 322 03 209 56 405 6 25, 280 - 6 63 ,53 4 63 8,2 54 3 3,5 49 - 67 1,8 03
38 ,254
44 5 A Y E SH A NA S IR H NO 5 2 S T NO 38 611 011 910 02 64 5 91 , 26, 178 - 6 18 ,12 5 59 1,94 7 3 8,6 61 - 63 0,6 08

10/ 4 947
I S LA MA B A D
44 6 T AH IR M E HMO OD F AT HE G AR H JROA D MUHA L LA 346 03 431 83 193 5 02 , 10, 759 - 5 13 ,73 5 50 2,9 76 5,6 32 - 50 8,6 08
H 976
H AJ I P URA NE A R CHRI ST A
N
KA B RIS T AN S
KT
44 7 M UHA M MA D K A M AR AN K HA N H #7, B S T# 21, K A NA L P AR 42 1011 33 252 23 9 56 , - - 9 56 ,57 0 92 9,64 4 8,8 35 - 93 8,4 79

K 570
GULB E RG II L A
HORE
44 8 A TI F I QB A L H #NE -1 43 3 S T #1 NAT ION 374 05 047 96 673 9 02 , 23, 180 - 9 25 ,96 0 90 2,7 80 4 5,8 46 - 94 8,6 26
AL 780
T OWN CHA K LA LA RO
AD
RAW A LP I
NDI


Annexure - 1
Am ou nt s in Ru p ee s
S r.
Nam e Ad dr es s Na m e o f Pa rt n er s / Dir ec to rs Fa th er / Hu s ba nd O ut st an di ng L iab ili tie s a t B eg inn in g of Y ea r Am ou n t Wr it ten o ff / C on ce ss ion
No.
NIC / Na m e P r in cip al Int er es t/ Ma rk u p O th er s To ta l P rin ci pa l Int er es t/ Ma rk u p Ot he rs T ot al Bala nc e
CNIC
4 49 NA S EE M RA Z A S E CTO R 5B - 2 H # R- 754 NO 4 220 18 735 611 9 685 ,45 17 ,90 5 - 703 ,35 9 68 5,4 54 26, 545 - 7 11,9 99
RTH 4
K A RA CHI
4 50 MUHA M M AD RA S HID K A MR AN H # 17 -A , S T # 3 2, F- 7 / 1, 6 1101 85 449 22 7 490 , 23 ,60 8 - 514 ,30 6 49 0,6 98 29, 320 - 5 20, 018
69 8
4 51 MR A JA Z Y UNA S HOUS E NO .13 9, ST RE E T 17 30 161 60 860 3 476 ,25 17 ,73 1 - 493 ,98 2 47 6,2 51 23, 797 - 5 00,0 48
13, 1
S E CTO R G- 3, P HA S E
II ,
HA YA TA B A D, P E S HAW A
R
4 52 MUHA M M AD MUNA W A R HOUS E # 15 -A , E JA Z PA 54 40 074 62 760 1 520 ,54 3 ,67 6 - 524 ,21 9 52 0,5 43 14, 599 - 5 35,1 42
RK 3
JAV E D MO DE L T OWN L INK RO AD NE A
R
JINNA H FO UNDAT IO N S CHOO
L
4 53 ZUL FI QA R A HMA D OF F NO 2 0, 3 RD F LO OR CRO 6 1101 85 096 34 3 587 ,66 27 ,54 3 - 615 ,20 4 58 7,6 61 28, 458 - 6 16 ,119
WN 1
P LA Z A, UP S AT AR IS CHICK E
N
HUT COM M MA RK E T RD,
S AT E LL ITE T
OWN
4 54 A BD UL HA M EE D S IDDIQU I 1- 401 , S HA H F A IS A L COL 42 50 189 09 633 3 609 ,00 - - 609 ,00 4 58 8,1 46 - - 5 88,1 46
ONY 4
B LO CK 1
4 55 FI DA H US SA IN H# 4/1 /B LA NE #0 3 WE S T RIDG E 6 1101 50 747 58 7 - - 597 ,09 9 57 3,5 74 5, 460 - 5 79,0 34

597 ,09 9
4 56 NA DIA B A GH M UNS HI L UDHA K A 35 20 224 17 265 0 612 ,18 20 ,15 6 - 632 ,34 3 61 2,1 87 25, 108 - 6 37,2 95
CHA 7
RAV I ROA D L A
HORE
4 57 S AJ ID S IDDI QUE 11A , B. B LOC K NE W MU SL A - 637 ,15 0 - 637 ,15 0 59 9,0 60 5, 784 - 6 04,8 44
M
TO WN L AH
ORE
4 58 FA RRUK H A LI H# 69/ N, S A MA N A B A D L AH ORE 35 20 014 77 434 7 577 , 6 ,50 1 - 584 ,32 3 57 7,8 22 25, 495 - 6 03,3 17
82 2
4 59 S OHA IL A HM A D H# 138 -K D HA C AN TT LA HO RE 35 20 193 84 186 9 553 , 13 ,71 4 - 567 ,55 5 55 3,8 41 33, 352 - 5 87,1 93
84 1
4 60 A MJA D M A HM OOD A HM E D S HOP # 4, HAF E E Z CE 35 20 293 22 076 5 703 ,40 18 ,39 0 - 721 ,79 4 70 3,4 04 45, 317 - 7 48,7 21
NTRE 4
CHOWK , YA TE E M K HA NA , B A
ND
ROA D,
4 61 MUHA M M AD YA S IN RA Z A H # 14 , A AH ATA G HULA M NA B 35 20 238 14 155 5 709 ,38 9 ,15 2 - 718 ,53 6 70 9,3 84 36, 079 - 7 45,4 63
I, 4
JA MI A BA B U J EE S T # 4, K A
CHA
K A MA HA RO AD , F ER OZ PU
R
ROA D
4 62 MUHA M M AD FA ROO Q HOUS E NO 13 81 /3 . B. AR 42 10 126 28 145 3 564 ,99 - - 564 ,99 7 55 4,0 03 9, 736 - 5 63,7 39
EA 7
S A DE EQ A B AD K AR ACH
I
4 63 MUHA M M AD HA NIF 10 7-G -IV WA P DA T OWN 35 20 273 40 890 9 577 , 6 ,29 4 - 584 ,28 0 57 3,9 84 18, 064 - 5 92,0 48
98 6
4 64 A KH LA Q A HM E D HOUS E # 23 9 B A TL A CO LO 33 10 054 47 302 9 550 ,65 9 ,01 6 - 559 ,66 8 55 0,6 52 31, 208 - 5 81,8 60
NY 2
B LOC K- C F AI SA L A BA
D
4 65 CHA UDRY M UHA MM A D A MIN HOUS E NO -1 4 S -2 0 A L FA IS 35 20 156 34 280 5 790 ,36 - - 790 ,36 0 79 0,3 60 34, 208 - 8 24,5 68
AL 0
TO WN B LO CK -D L A HORE CA NT
T
4 66 K HA IR M UHA MM A D F LAT # 3, A HM E D TO WE 5 ,87 8 552 ,32 0 - 558 ,19 8 55 1,6 17 5, 229 - 5 56,8 46
R,
CHOWK Y A DGA R P E S HA WE
R
4 67 RA JA NA DE EM K HA N HOUS E NO 12 0, RA NGE ROA 3 740 53 792 151 1 572 ,00 14 ,73 3 - 586 ,74 0 53 9,7 68 5, 189 - 5 44,9 57
D 7
S A BZ A Z AR RA WA L P
INDI
4 68 CHA UDHRY A DNA N QU TUB H#2 -A , S T R # 1, I CHRA ROA 35 20 245 78 610 5 659 ,30 16 ,71 5 - 676 ,02 0 65 9,3 05 31, 023 - 6 90,3 28
D 5
RA RI WA LA CHO WK K HA RA
LA HO RE
4 69 MUHA M M AD HA NIF ZA HI D HOUS E # CB 111 7 , ST # 37 40 543 68 307 5 528 ,26 6 ,56 4 - 534 ,83 3 52 8,2 69 32, 243 - 5 60,5 12
16 , 9
JHA NDA CHICH I
4 70 MUHA M M AD K AS HI F H # 72 4, S T # 18, GUL IS TA 35 20 138 86 677 5 473 ,61 11 ,96 7 - 485 ,58 3 47 3,6 16 30, 374 - 5 03,9 90
N 6
COL ONY M US TA FA A B
AD
4 71 MO HD S A DIQ HA SS A N K HA H # 33 -C 1 3T H COM M ER CIA 42 30 108 04 613 9 520 ,77 11 ,79 9 - 532 ,56 9 50 2,3 24 16, 671 - 5 18,9 95
N L 0
K AS I S TRE E T P HA S E -II E XT
DHA
4 72 RE HA N HY DE R R-1 26 9, S E CT OR# 15 -A 42 10 151 77 317 1 575 ,17 - - 575 ,17 3 53 2,4 21 5, 355 - 5 37,7 76
-4 , 3
B UFF A R Z
ONE
4 73 MUHA M M AD MA S OO D S A JJA D HOUS E # P -78 , S T RE E T # 01 LA 33 10 001 35 244 7 595 ,08 - - 595 ,08 4 59 5,0 84 26, 314 - 6 21,3 98
TIF 4
PA RK J HA NG RO A D DA K HA NA
GHUL A M M UHA M MA D A B A D
4 74 A LI I MRA N H# 77, DUB A I T OWN R AI 35 20 275 89 700 3 498 ,25 11 ,65 9 - 509 ,91 6 49 8,2 57 33, 874 - 5 32,1 31
WIND 7
T HOK A R NIA Z B E
IG
4 75 M A TH AR CH H NO 5 B UK HA RI S TRE E 35 20 268 62 698 1 519 ,53 - - 519 ,53 3 50 5,3 32 21, 957 - 5 27,2 89
T 3
RUS T UM P A RK M ULTA N RO A
D
LA HO RE
4 76 M N AS E E M S IDDIQ UE H NO 15 H B LO CK GUL S HA 35 20 216 98 639 5 551 ,76 - - 551 ,76 0 54 1,2 30 23, 085 - 5 64,3 15
N E 0
RA VI LA HOR
E

Annexure - 1
Am ou nts in Ru pe es
S r.
Na me Ad dr e ss N am e o f P ar tn er s / Dir ec to r s Fa th er / Hus ba nd Ou tst an d ing L ia bil iti es at Beg in nin g o f Y e ar Am o un t Wr it te n of f / Con ce ss io n
No .
NIC / Nam e P r in ci pa l In ter e st/ Ma rk u p O th er s T ot al P ri nc ip al In te re st/ M ar k u p Ot he rs To tal Bal an ce
CNIC
47 7 M UHA M MA D M US HTA Q C HA K NO-5 2 A NB L UDDGE WA 384 03 325 918 93 55 4,6 - - 55 4,6 13 5 54 ,613 28 ,52 8 - 5 83 ,14 1
LA 13
HU SS A IN N EA R JA MM IA MA S JID P O
S A RG ODHA T A ND DIS
EH TT
S A RG ODHA
47 8 A DE E L N AQ A SH F LA T NO 2 Z AI B UN NIS A P LA 374 01 700 864 99 6 12 , - - 6 12 ,116 612 ,116 32 ,36 4 - 6 44 ,48 0

ZA 116
R AJ A M A RK E T F 11 -3 IS LA M AB A
D
47 9 F E ROZ UDDI N H OUS E NO A - 722 S E CTO R 421 010 34 549 21 59 7,8 7,3 65 - 60 5,2 01 5 69 ,522 20 ,78 8 - 5 90 ,31 0
11- A 36
G ULS HA N E U SM A N NO
RTH
K A RA CHI
48 0 Q A IS A B B A S H # 1 0, S T # 2 4, NAS E E RA B A 332 022 08 457 21 6 74 , 1 5,9 73 - 69 0,0 83 6 46 ,437 7 ,36 5 - 6 53 ,80 2

ER D 110
P E S HWA R RO AD
48 1 A YA Z S A RDA R H OUS E # 1 4, ZA HID S T NO 352 02 029 000 61 51 6,2 - - 51 6,2 12 5 16 ,212 6 ,86 7 - 5 23 ,07 9
-2 , 12
S A NDA K HURD,
48 2 M UHA M MA D S ULT AN H # 3 4 - B P UNJA B CO- OP E RAT 352 02 681 636 37 1 ,13 6,7 1 5,0 07 - 1 ,15 1,7 20 1,1 36, 713 74 ,19 4 - 1,2 10, 907
IV E 13
H OUS ING S OCIE T Y GHA Z I ROA
D
48 3 HA B IB UL LA H K HA N H OUS E # 7 39 TI KR I V ILL A 381 03 628 852 73 63 1,4 - - 63 1,4 61 5 77 ,837 6 ,18 0 - 5 84 ,01 7
GE 61
H AK S B A Y ROA D
48 4 S O HAI L M A QB OOL H # 9 , S T # 2 , CHO DA RY COLO 352 01 771 905 71 65 8,1 8,0 54 - 66 6,2 16 6 44 ,710 9 ,34 8 - 6 54 ,05 8
NY, 62
N EA R DOGA IS T OWN ZRA
R
S HA HE E D RO A D LA HO RE CA NT
T
48 5 G ULS HE R K A LHO RO F LA T NO.0 1 1 S T F LO OR, A B B 413 06 038 28 711 57 8,2 - - 57 8,2 27 5 70 ,652 32 ,15 2 - 6 02 ,80 4
ASI 27
C EN TRE NE A R U BL , M A
IN
Q A S IMA B A D RO AD , HY D
48 6 A S IM A LI S HE R H # 6 21 G HOS IA S T RE ET TA 374 05 068 702 41 55 2,6 4,5 82 - 55 7,2 54 5 52 ,672 21 ,53 5 - 5 74 ,20 7
RI Q 72
A B A D L A LK URT I RA W A LP
INDI.
48 7 A M JA D A LI H # 111 3, ST RE E T # 2 , A RE 423 01 363 631 55 53 9,3 1 4,2 21 - 55 3,5 78 5 39 ,357 21 ,58 9 - 5 60 ,94 6
A 57
L IA QA T A S HRA F COL
ONY,
M OHA M M AD A HM E D CE NT E
R
48 8 M UHA M MA D NA E E M 2 9- G P HA S E 1- DHA LA HOR E 352 02 969 349 77 68 8,3 84 - 68 9,9 05 6 37 ,105 23 ,43 8 - 6 60 ,54 3
1,5 21
48 9 M UHA M MA D A B B AS JUNE JO H # 3 7/2 3, S E CT OR 1 1/D, NORT 421 011 516 48 47 87 0,7 1 0,9 22 - 88 1,6 69 8 17 ,506 - - 8 17 ,50 6
H 47
K A RA CHI
49 0 M IA N M UHA MM A D S HA K E E L N AW A NP E ND A RA IY AN P *O P 346 032 15 351 97 53 3,2 - - 53 3,2 52 5 33 ,252 34 ,21 2 - 5 67 ,46 4

ULL 52
A I IK AI MNA B A D RD
49 1 K HA L ID M AH MOO D H # 4 53- 0, G-1 1/3 MA IN DOUB 611 016 476 67 21 57 4,3 6,4 56 - 58 0,7 91 5 29 ,671 10 ,37 1 - 5 40 ,04 2
LE 35
R OA D
49 2 NI ZA M UDDIN H # B - 16 NA SE E M NA GA R P HA 413 01 812 856 19 61 6,2 3,6 81 - 61 9,9 43 6 10 ,513 35 ,17 8 - 6 45 ,69 1
SE 62
1 QA S IM A B AD
49 3 T OQ EE R SY E D H # 7 ,S T # 1B A S IF A LI C OLO 352 01 624 755 43 49 7,6 - - 49 7,6 94 483 ,711 26 ,25 4 - 5 09 ,96 5
NY, 94
S HA L IMA R T OWN ,B AG HB A
N
P UR A,
49 4 A B B A S E NTE RP RI SE S 3 9- N, IND UST RIA L A (1) Dr. Mo ham ma d A sh faq ( 1) Mu ham ma d A kb 5,8 16 ,89 5 10 ,69 8,7 19 - 16, 515 ,61 4 5 ,81 6,8 94 1 1,3 01,1 26 - 17,
RE A , R/o ar 118, 020
G ULB E RG II, L A 202 /2- M, Ph ase -II ,Defe
HORE nce
Hou si ng A u tho ri ty,L aho re Can
tt.
CNIC # 27 6- 88- 31 374
1
( 2) Mu ham ma d A kb
ar
(2) M oha mm ad Il ya s R/o 20 2/2
-M,P h ase -II, Defe nce Hou si ng
A uth ori ty,L ah ore Ca ntt. CNIC

3
276 -5 2-0 53 ( 3) Mu ham m ad A kb
896 ar
(3) Z ahi d Iq bal R /o 2 02 /2- M,P h

ase-
II,De fen ce Ho usi n g
Au tho ri ty,L ah ore Can tt.C NIC 3 276 ( 4) Wi dow

- of
90- 33 566 9 M uh amm ad Ra shi d
(4) M rs.S a eed a R ashi d R/o Hou se
# 6 -A , Ne ar Qar tab a C howk , Jai

l
Road , L aho re .CNIC 327 6-8
5-
365 20 0
49 5 A B DUL RA ZZ A QUE & 219 4 HU MA YA N R OA D,M ULTA N A bra r A hm ed r/ o 21 94 Hum Ja ma l ud di n 4 69 ,24 7 2 ,94 2,6 42 - 3, 411, 889 46 9,2 46 2,9 96 ,09 8 - 3,4
CO aya n 65 ,344
( A BD UL RA Z A AQ GRO Roa d,M ul ta n
UP )
49 6 A B DUL RA ZZ A Q C O. ( E X -E B 2 19 4 HUM A YA N RO A D,MUL TA N A bra r A hm ed r/ o 21 94 Hum Ja ma l ud di n 1 60 ,54 5 40 8,5 00 - 569 ,04 5 16 0,5 44 4 25 ,95 8 - 5
I) aya n 86 ,50 2
UP )
49 7 I NT' L C AS IN G T RA DE 2 19 4 HUM AY A N RO A D,MUL TA N Ab ra r A hm ed r/ o 21 94 Hum Ja ma l ud di n 1 93 ,66 4 41 2,8 67 - 6 06 ,53 1 19 3,6 63 4 14 ,87 9 - 6

RS aya n 08 ,54 2
UP )
49 8 A G HA F A B RICS (P V T. ) LT D. 2 9- K HAL ID S T RE E T, P OO (1) A gha A sad Ni zam r /o A gh ( 1) A g ha Ni zam ud di n 6 34 ,17 7 1 ,27 0,2 05 - 1, 904 ,38 2 63 4,1 76 1,3 35 ,88 1 - 1,9
NCH a 70 ,057
R D.IS LA M IA PA RK , L A Fa bri c s (P vt .) L td. 29- K ha d
HORE li
S tre et, P o on ch Rd .Isl a mi
a
P ark, Lah or
e
(2) A gh a Ni za m u dd i n r /o A gh
aFa bri c s (P vt .) L td. 29 -K ha d
li
S tre et, Po on ch Rd .Isl a mi
a
P ark, Lah or
e
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a
Fa bri c s (P vt .) L td. 29- K id
ha l
St ree t, P o onc h Rd .Isl a mi
a
Pa rk, Lah or
e


Annexure - 1
S r.
No.
CNIC
4 99 B AS HI R TA NNE RIE S 9- DIDE M AR KE T, LA HO RE (1 ) S h .Mu ha mm ad Jam i l R/o ( 1) Haj i C har ag h Di 9 ,870 ,62 9 2 4,9 44,3 19 - 34 ,81 4,9 48 7,9 46, 278 24 ,94 4,3 19 - 32, 890
95 -A n ,59 7
New Mu sl i m T own, La hor e CN IC
#
35 20 2-7 328 62 6-
1 ( 2) Haj i Char ag h Di
n
(2 ) S h .M. Af tab Jam i l R/o 95
-A
New Mu sl i m T own, La hor e CN IC
#
29 9- 33- 02 335 ( 3) Haj i Char ag h Di
1 n
(3 ) S h .M Ba shi r R/o Qa sr- e- Jam i

l
M uri d ke C NIC # 295 -2 8- 373 ( 4) Haj i Char ag h Di
873 n
(4 ) S h .M Pe rva i z R/o 95 -A
New
M usl i m Town , La ho re CNIC # 29
1-
54 -1 951 26( 5) S h.M Na eem
R/o
46 3- M, Mo del T own, La hor
e
5 00 IS HA Q CA RP E T S INDUS T RIE S 11/4 -E M P RE SS R OA D, L AH ORE (1 ) M uh am ma d Ib ra ( 1) Noo r M uh am ma 2 ,60 0,08 0 5,3 34,9 67 - 7 ,93 5,0 47 2,6 00, 079 5 ,33 4,9 67 - 7, 935
hee m r/o d ,04 6
Hou se # 1 ,S t.# 3,Ch aud hr
y
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39
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5 01 K ING A S S OCIA T ES 25 -A ,DA V IS ROA D, LA HORE (1 ) M rs .S ham i m Ri az r/o ( 1) M Ri az C hug hta i 5 ,94 7,62 1 3 8,6 38,1 51 - 44 ,58 5,7 72 5,9 47, 620 38 ,63 8,1 51 - 44, 585
114 R ,77 1
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re
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re
5 02 K OHINO OR E DIB L E OIL S 2ND FL OOR, HA FI Z P L AZ A , 3 (1 ) A bi d S ai g ol R/o 91 -E / ( 1) M. Rafi q ue S ai go 68 ,435 ,89 6 14 1,96 0,5 42 - 2 10 ,39 6,4 38 6 8,4 35, 895 1 49 ,45 5,31 8 - 2 17, 891
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ate )
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5 03 LIG HT E NG G. C O. MA IN P LA ZA US M A N M ARK (1 ) M i an A had Ma hm oo d r /o 1 04 / 776 ,77 3 7,09 3,8 18 - 7 ,87 0,5 91 7 76, 772 7 ,16 4,20 6 - 7, 940
ET 2 ,97 8
20 /15 HA LL R OA D LA HO RE S t.Jo hn P ark La hor
& e
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4/2
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e
(3 ) M rs .Im ran a Na ee
m
(4 ) M i ss M eh re en A j m al
5 04 MA LI K TRA DE RS I NT' L 71 7-A /1 , T OWNS HIP , LA HO RE (1 ) A sl a m M al i k r /o 717 3 ,37 8,11 0 1 0,65 9,4 54 - 14 ,03 7,5 64 3,3 78, 109 10 ,65 9,45 4 - 14, 037
-A /1 , ,56 3
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re .
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m
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1,
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re
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am
(3 ) M i ss A fsh an As l am Ma l i k
r/o
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e
( 4) Iqb al A sl a
m
(4 ) M i ss S h am am a A sl am M al i
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r/ o 7 17- A /1, Town shi p, La hor
e
5 05 ME GA T ONE INDU ST RIE S M. K A RCA DE ,1 S T F LO (1 ) F ar i d A hm ed Ya si n K h an ( 1) Gh ul am Y asi n K 12 ,442 ,72 9 2 1,07 0,0 18 - 33 ,51 2,7 47 1 2,4 42, 728 29 ,69 1,10 7 - 42, 133
OR,, 32 r/o han ,83 5
DAV IS ROA D,L AHO Hou se # 1 99- B , A hm ed Bl o ck,Ne w
RE
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e
( 2) Gh ul am Y asi n K
han
(2 ) G hu a m Yas i n K ha n r /o Hous e
l
# 199 -B , A hm ed B l ock, New
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e han
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#
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n han
To wn,L aho
re
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use
Ga rde n T own, Lah or
e

Annexure - 1
Sr .
No.
CNIC
50 6 RE GE NCY T EX T IL ES L TD 88 -C/I I, A RIF JA N RO A D, L AH ( 1) Mo ha mm ad Iqt i dar P er vai z ( 1) Kh an Az i z K ha 71, 147 ,24 7 16 8,8 22,8 89 - 239 ,97 0,1 36 71, 147 ,24 6 17 6,1 91, 015 - 24 7,3
ORE R/o n 38, 261
CA NT T. 8 7/2 , A ri f Jan Roa d, L ah ore Ca
ntt.
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o ar
8 7/2 , A ri f Jan Roa d, L ah ore Ca P er vai z
ntt.
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if ar
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3 52 01- 16 589 97
-9
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an
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wn,
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50 7 SH EI K H CA RP E TS ( S HE 24 -A B B OT ROA D, LA HOR E ( 1) Mu ha mm ad Tar i q G aba R/o ( 1) Ghu l am Ras ool 8, 454 ,84 9 5 0,1 01,1 14 - 58 ,55 5,9 63 8, 454 ,84 8 5 0,1 01, 114 - 5 8,5
IK H 24 - 55 ,962
CA RP ET S G A b bot Roa d, Lah or e CNI C Ga ba
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-3
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q
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50 8 SH EI K H CA RP E TS ( E X -E 24 -A B B OT ROA D, LA HOR E ( 1) Mu ha mm ad Tar i q G aba R/o ( 1) Ghu l am Ras ool 951 ,25 1 3,3 10,6 61 - 4 ,26 1,9 12 951 ,25 0 3,4 07, 746 - 4,3
B I) 24 - 58 ,996
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-3
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50 9 SP L E NDOUR EX P O RTS 19 /10 A BB O T R OA D, L A HORE ( 1) Naz ar Hussa i n r /o 19/ 10 A ( 1) Sy ed Sa rwa 6, 193 ,00 0 1 7,2 97,3 41 - 23 ,49 0,3 41 6, 192 ,99 9 1 7,2 97, 341 - 2 3,4
b bot r 90 ,340
R oad ,Lh aor e Hu ssai n S ha h
51 0 TA B B AS UM E NT E RP RIS E 62 6- SH AD MA N CO LO NY, L A HORE ( 1) S yed S ar A l i r /o 626 ( 1) Sy ed Sa rd Ali 1, 167 ,79 2 2,0 33,3 38 - 3 ,20 1,1 30 1, 167 ,79 1 2,1 52, 522 - 3,3
S war - ar 20, 313
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an
C ol on y, Lah or e CN IC # 322 -4
7-
2 68 137
51 1 A. T.INDU ST RIE S 66 -C I NDUS T RIA L E S TA ( 1) S ar dar A zma t Ha yat Tam ma ( 1) Sa rd ar Mu ham m 7, 458 ,68 6 1 0,1 71,3 25 - 17 ,63 0,0 11 7, 458 ,68 5 1 0,1 71, 325 - 1 7,6
TE , n ad 30 ,010
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n
T own Lah or
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ar
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B l o ck Ne w Ga rd en T own Lah or
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51 2 DE FE NCE A GRO M i an Id ree s 4, 291 ,54 1 5,5 03, 144 - 9 ,79 4,6 85 4, 272 ,14 3 1 0,6 07, 178 - 1 4,8
79 ,321
51 3 EN AR (P V T ) L IMI TE D, 3RD FL OO R, HA JI A ( 1) F ero ze A l i Ra she ed r/o 3r ( 1) Ni sar al i Ra she ed 1, 942 ,39 9 - - 1 ,94 2,3 99 4, 398 ,28 3 - - 4,3
DA M d 98 ,283
CHA M B ER , A LTA F HUS S AI F l oo r, Ha j i A zam Cha mb er, Al t
N af
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( 2) Z afa r Iq ba r/o 3 rd Fl o or, Haj

l i
A za m Cham be r, A l ta f Hu ssai n
R oad , K ar ach i
51 4 IMP E RIA L HOS IE RY ( PV OF F ICE A DDRE S S ; A SH RA ( 1) S an aul l a h K ha n R /o 3 66 ( 2) Za kau l a h K h an 10, 636 ,34 0 2 1,7 32,9 18 - 32 ,36 9,2 58 10, 636 ,33 9 2 1,7 32, 918 - 3 2,3
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D, D,
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6-
J i nna h Co l on y F ai sal a ba d.
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i
C ol on y F ai sa l a ba d.
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h
51 5 PA K WORL D T E XT IL E IND. P -1 6,A L -A B B AS CEN TE ( 1) Ri asa t A l i r/ o Ra soo l pur a C ( 1) A b dul Sa tta 2, 385 ,09 1 1,2 65,2 01 - 3 ,65 0,2 92 2, 385 ,09 0 1,5 24, 555 - 3,9
R,2 ND hak r 09 ,645
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D
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#
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66,
J .B Teh si l & Di str i ct F ai s al ab
ad
( 5) Gu l zar Ah me d r /o Cha k # 6
6,
ad
51 6 AL IM INT E RNAT IO NA L D-2 8, S ITE , MA NG HOP IR R S ye d A l i m udd i n A hm ed .(l a te) . S B a ask ari (l at e) 1, 850 ,56 1 2,3 98,7 83 - 4 ,24 9,3 44 1, 850 ,56 0 2,6 00, 012 -
OA D, 4,4 50 ,572
K A RA CHI.


Annexure - 1
S r.
No.
CNIC
51 7 A NIQ A T RA DING COMP A NY 3 11, K HA W A JA CHAM B E R, OP I rfa nul Ha que S ai fu l Haqu e 5,111 ,76 8 7,60 2,6 70 - 12 ,714 ,43 8 5 ,111,7 66 13, 526 ,26 1 - 18, 638 ,027
P:
CI TY COURT , K A RACH I.
51 8 A RS ONS T RA DE RS 9/15 , A RK EY S QUA RE ( E XT ), S i d di qu e A hm ed / Fa roo q A hm ed Gh affar 42 4,8 65 75 0,8 18 - 1 ,175 ,68 3 424 ,86 4 797 ,01 8 - 1, 221 ,882
S HA HRA H- E- LIA QUA T, K A RA A .Reh ma n/A .Reh ma n
CHI.
51 9 CE NT RA L COT TO N M ILLS 4 TH FLO OR, S T AT E LIF E M un i r A hm ed 90 1,2 91 1,79 0,8 44 - 2 ,692 ,13 5 901 ,43 7 1, 790 ,84 4 - 2, 692 ,281
B UIL DING NO.2, W AL LA CE ROA D,
O FF : I I CHUNDRIG A R ROA
D,
K A RA CHI.
52 0 JA W A D INT E RNAT IONA L (E X - 4 11, S T OCK E X CHA NGE C h. M una wer Hussa i n L ate) . Ch. Moh am ma d B oo ta. 99 1,8 92 2,80 9,9 20 - 3 ,801 ,81 2 991 ,89 1 2, 917 ,77 8 - 3, 909 ,669
E B I) B UIL DING, I.I.CH UNDRIGA (l a te),
R
RO A D, K A RAC HI.
52 1 M UHA MM A D ARS HA M uh am mad A rsha d Ch oud hry 23 9,7 58 26 6,4 28 - 506 ,18 6 239 ,75 7 266 ,42 8 - 506 ,18 5
D CHO UDHR Y (E X -E B I)
52 2 M E HRA N AG RO CHE M LTD. 1 4- AL S YE D A RCA DE ,RA S HID ( 1) S hah i d Ha mee d Ch . r/ o 14 -A l (1 ) Ch .Mu ham ma d A l i 7,69 1,3 73 1 4,64 5,8 56 - 22 ,337 ,22 9 7, 691 ,37 2 14, 645 ,85 6 - 22, 337 ,228
M INHA S ROA D,K A RA S ye d A rca de, Rashi d Mi n has Tal i b
CHI Road ,K ara chi
( 2) Mr s.S ha ri fa Be gum r /o 1 4-A l (2 ) M uha mm ad A l i Ta l i b

S ye d A rca de, Rashi d Mi n has
R oad ,K ara chi
(3 ) S ha hi d Hame ed Ch.
( 3) Mr s.M amu na Fi r dou s 14 -A l
S ye d A rca de, Rashi d Mi n has
R oad ,K ara chi (4 ) A bdu l A zi z
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A l S ye d A rca de,R ashi d Mi n has (5 ) M uha mm ad A l i Ta l i b
R oad ,K ara chi
( 5) Za hi d Sa eed Ch.r /o 14- A l Sy ed

A r cade ,Ras hi d M i nha s
R oad ,K ara chi
52 3 T AHA E NT ER PRI SE S 8 4, M IRZ A KHA L EE G BA IG ROA D, S h auka t H. Wa l j i . Hass an A l i W al j i . 17 5,6 77 31 3,1 06 - 488 ,78 3 175 ,67 6 332 ,20 9 - 507 ,88 5
S OL DIA R B A ZA R, KA RA CHI.
52 4 HA JI NA OROZ K HA N S HO P N O.. 8 , M A JI NNAH ROA D, H aj i Nau roz K han Haj i M i rza K han 1,21 5,9 91 2,52 4,0 24 - 3 ,740 ,01 5 1 ,215 ,99 0 2, 656 ,25 1 - 3, 872 ,241
Q UE TTA .
52 5 S HA M ROZE & B RO THE RS P A R HOT I,M A RDAN ( 1) S ham ro ze K ha n r /o M oh al l ah (1 ) A l i f K ha n 81 5,5 09 1,55 4,0 99 - 2 ,369 ,60 8 815 ,50 8 1, 642 ,77 7 - 2, 458 ,285
K h an Col on y, Pa r Ho ti ,Ma rd an
52 6 A B B A SI & CO. 7 1- A, S ET TL IT E T OW N, ( 1) S ard ar A b dul L ati f A bb asi r /o (1 ) M uha mm ad K han 5,20 0,0 00 2,95 5,8 14 - 8 ,155 ,81 4 2 ,200 ,10 0 3, 451 ,47 0 - 5, 651 ,570
RA W A LP INDI 7 1- A, sett l it e To wn, Ra wal pi n di
(2) Mst .Fa ri na La ti f A bba si r/ o 71 - (2 ) S ar da r A bdu l La ti f

A , settl i te Town , Ra wal pi n di
( 3) Ni sar Ah me d r /o 1 92- A skar i (3 ) Gh ul am M uhi y- ud -

Ho use s Com pl ex , Z ara r S ha hee d di n
Ro ad , La hor e
52 7 NB Z (P vt) Li m i ted P l o t No. 32 & 3 3, Se ctor 23 , K or ang i Z ah eer A hme d A nsa ri Ma nzo oe A . a nsa ri . 3 3,35 7,4 00 9,86 8,0 43 - 43 ,225 ,44 3 33, 357 ,40 0 9, 868 ,04 3 - 4 3,22 5,4 43
I ndu stri a l Ar ea, K ora ngi , Ka ra chi .
52 8 A ch ee E n ter pri se s (P vt ) Lt d G -15 /2- E , B l ock 9 , S che me No. 5, M oh am mad F azi l Gh ul am Mo ham ma d 2 2,40 7,8 84 51 8,1 06 - 22 ,925 ,99 0 22, 407 ,88 4 518 ,10 6 - 2 2,92 5,9 90
Cl i ft on, K ara chi . S hah
52 9 F i l tex Ex por ts In dust ri es Pv t Ltd 2 nd Fl o or, K a ssi m Co ur t, B l ock No. ( 1) Mu ham ma d A l i An zar Usm ani (1 ) M uha mm ad Usma n 1 0,6 81,8 40 9 ,517 ,80 7 - 20 ,199 ,64 7 3, 687 ,84 0 23, 496 ,22 6 - 2 7,18 4,0 66
9 , K eh kash an, Cl i fton , kar ach i . R /o Ho use # 15 8- A, S ecto r 15 -A -
5 , B uff er Zon e, Sh al i ma r To wn,
N orth K ar achi & H ouse # A -4 58
S e ctor 15 -A /I,B uf fer Zo ne,
S h al i ma r To wn, N orth K ar achi
( OLD NIC No .501 -6 6-1 046 98) (2 ) S yed A bdu l B ari
( 2) S yed Jal i l A hme d R/ o F l at# 6

M .A . Ji n nah Roa d, Ra di o
P a ki stan , K ar achi & 21 Fer oz
B u i l di ng, Ab dul l a h Ha roo n Ro ad, (3 ) No or- ul -I sl am
K a rac hi . ( Ol d NI C # 5 12- 56-
2 17 872 )
( 3) Java i d Isl a m R/ o B -1 03 & B -

1 05 , B l ock 4 -A , G ul sha n Iq bal ,
K a rac hi & B -1 05, Bl o ck 4- A ,
G ul sh an I qba l , K ara chi . (Ol d NIC
# 50 1-8 8- 640 810 )
64 725
2,24,580
8,9 86
,33 3 (51 3,4 84) 1,36 7,3 15,8 35 720 ,39 9,6 81 7 17, 950 ,47 7 5 91, 543 1,4 38, 941 ,701
Consolidated
Financial Statements
For the year ended
31 December 2009
Auditors' Report to the Members
We have audited the annexed consolidated financial statements of Standar d Chartered Bank (Pakistan)
Limited (“the Bank”) comprising consolidated balance sheet as at 31 December 2009 and the r elated
consolidated profit and loss account, consolidated statement of comprehensive income, consolidated cash
flow statement and consolidated statement of changes in equity together with the notes forming part thereof,
for the year then ended. These financial statements ar e responsibility of the Bank's management. Our
responsibility is to expr ess our opinion on these financial statements based on our audit. The financial
statements of a subsidiary, Standard Chartered Modaraba for the six months period to 31 December 2009
were reviewed by another firm of chartered accountants, whose report has been furnished to us and our
opinion in so far as it relates to the amounts included for the subsidiary, is solely based on the report of
other auditor.
We conducted our audit in accordance with the auditing standards as applicable in Pakistan. These standards
require that we plan and perform the audit to obtain reasonable assurance about whether the above said
statements are free of any material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the above said statements. An audit also includes assessing
the accounting policies and significant estimates made by management, as well as, evaluating the overall
presentation of the above said statements. We believe that our audit provides a reasonable basis for our
opinion.
In our opinion the consolidated financial statements present fairly the consolidated financial position of the
Bank as at 31 December 2009 and the consolidated r esults of its operations, its consolidated cash flows
and consolidated changes in equity for the year then ended in ac cordance with the approved accounting
standards as applicable in Pakistan.
Date: March 04, KPMG Taseer Hadi & Co.

2010 Chartered Accountants
Karachi Syed Iftikhar Anjum
Consolidated Balance Sheet

As at December 31, 2009
Note 2009 2008

(Rupees in ‘000)
ASSET
S
Cash and balances with treasury banks 4 21,521,592 22,741,119
Balances with other banks 5 2,305,891 1,261,582
Lendings to financial institutions 6 20,568,064 31,472,627
Investments 7 83,263,661 28,937,790
Advances 8 129,460,154 128,992,078
Operating fixed assets 9 7,003,915 3,900,676
Intangible assets 10 27,026,172 27,535,060
Deferred tax assets 11 4,229,453 3,368,731
Other assets 12 22,230,290 19,363,705
317,609,192 267,573,368
LIABILITIES
Bills payable 13 4,844,638 4,296,420

Borrowings from financial institutions 14 15,847,326 8,791,594
Deposits and other accounts 15 206,915,825 174,511,408
Sub-ordinated loans 16 1,523,000 1,710,300
Other liabilities 17 39,779,024 34,616,164
268,909,813 223,925,886
NET 48,699,379 43,647,482
ASSETS
REPRESENTED
BY:
Share capital 18 38,715,850 38,715,850
Reserves 19 2,052,347 1,904,684
Unappropriated profit 4,078,277 3,504,907
Attributable to equity holders 44,846,474 44,125,441
Minority interest 772,504 775,021
45,618,978 44,900,462
Surplus / (deficit) on revaluation of assets - net of deferred tax 20 3,080,401 (1,252,980)
48,699,379 43,647,482
CONTINGENCIES AND COMMITMENTS
21
The annexed notes 1 to 41 form an integral part of these consolidated financial statements.

Director

Consolidated Profit and Loss Account

Note 2009 2008

(Rupees in ‘000)
CONTINUING OPERATIONS
Mark-up / return / interest earned 22 27,242,261 23,667,341

Mark-up / return / interest expensed 23 (10,725,651) (7,062,757)
Net mark-up / return / interest income 16,516,610 16,604,584
Provision against non-performing loans and advances 8.4 & 17.4 (7,548,051) (10,539,519)
Recovery of amounts previously written off 906,370 1,182,074
Provision for diminution in the value of investments 7.3 (8,892) (10,119)
Bad debts written off directly 8.7.1 (2,797,334) -
(9,447,907) (9,367,564)
Net mark-up / return / interest income after provisions 7,068,703 7,237,020
NON MARK-UP / NON INTEREST INCOME
Fees, commission and brokerage income 3,944,343 3,767,279

Income from dealing in foreign currencies 2,000,762 2,102,480
Gain / (loss) on sale of securities 24 464,368 (337,828)
Unrealized gain on revaluation of investments
classified as held for trading 7.10 179,835 438
Other income 25 333,550 1,094,089
Total non mark-up / non interest income 6,924,143 6,633,325
13,992,846 13,870,345
NON MARK-UP / NON INTEREST EXPENSES
Administrative expenses 26 (12,366,096) (12,532,082)

Other provisions / asset write-offs (95,594) (40,081)
Other charges 27 (132,660) (156,202)
Total non mark-up / non interest expenses (12,594,350) (12,728,365)
1,398,496 1,141,980
Extra-ordinary / unusual items --
PROFIT BEFORE TAXATION FROM CONTINUING OPERATIONS 1,398,496 1,141,980
Taxation - current (1,814,033) (3,024)
- prior years' (174,152) 2,573
- deferred 1,385,905 (418,421)
28 (602,280) (418,872)
PROFIT AFTER TAXATION FROM CONTINUING OPERATIONS 796,216 723,108
DISCONTINUED OPERATIONS
Loss from discontinued operations - net of tax - (47,586)
PROFIT AFTER TAXATION 796,216 675,522
Attributable to :
Equity holders of the bank 738,313 602,392

Minority shareholders 57,903 73,130
796,216 675,522
(Rupees)
BASIC / DILUTED EARNINGS PER SHARE 29 0.19 0.16

Director
Consolidated Statement of Comprehensive Income

2009 2008
(Rupees in ‘000)
Other comprehensive income:
Exchange difference on translating foreign operations - 60,635

Exchange difference on translating foreign operations
released on disposal - (27,096)
Surplus / (deficit) on revaluation of 'Available for Sale'
financial assets --
Surplus / (deficit) on revaluation of fixed assets --
Actuarial gain / (loss) on defined benefit plans (21,406) 9,939
Deferred tax on acturial gain / (loss) 7,492 (3,479)
(13,914) 39,999
Total comprehensive income for the year 782,302 715,521
Attributable to:
Equity holders of the bank 724,399 642,391
Minority shareholders 57,903 73,130
782,302 715,521
(i) Surplus / deficit on revaluation of 'Available for Sale' securities is presented under a separate head below equity as
'surplus / deficit on revaluation of assets' in accordance with the requirements specified by the State Bank of Pakistan
vide its BSD circular 20 dated 04 August 2000 and BSD circular 10 dated 13 July 2004.
(ii) Surplus on revaluation of fixed assets is presented under a separate head below equity as 'surplus / deficit on
revaluation of assets' in accordance with the requirements of section 235 of the Companies Ordinance, 1984.

Director

Consolidated Cash Flow Statement

Note 2009 2008

(Rupees in ‘000)
CASH FLOW FROM OPERATING
ACTIVITIES
Loss from discontinued operations (2008: gross of tax of Rs. 2,393 thousand) - (45,193)
Profit before taxation from continuing operations 1,398,496 1,096,787
Dividend income (1,285) (6,867)
1,397,211 1,089,920
Adjustments for:
Gain on disposal of fixed assets (5,174) (14,405)
Unrealized gain on revaluation of investments classified as held for trading (179,835) (438)
Other provisions / asset write offs 95,594 40,081
Provision for diminution in the value of investments 8,892 10,119
Lease rentals expense 6,933 13,892
Provision against loans and advances - net of recoveries 9,439,015 9,357,445
10,522,850 10,810,130
11,920,061 11,900,050
Decrease / (increase) in operating assets:
Lendings to financial institutions 10,904,563 (16,078,807)
Held for trading securities (6,460,653) (432,754)
Advances (9,907,091) (14,990,187)
Other assets (832,059) (1,896,423)
(6,295,240) (33,398,171)
Increase / (decrease) in operating liabilities
Bills payable 548,218 (2,340,968)
Borrowings from financial institutions 7,055,732 1,908,863
Deposits and other accounts 32,404,417 (2,532,822)
Other liabilities 5,162,860 12,009,097
45,171,227 9,044,170
Cash inflow / (outflow) before taxation 50,796,048 (12,453,951)
Income tax paid (4,026,406) (1,009,652)
Net cash generated from / (used in) operating activities 46,769,642 (13,463,603)
Consolidated Cash Flow Statement

Note 2009 2008

(Rupees in ‘000)
CASH FLOW FROM INVESTING
ACTIVITIES
Net investments (46,502,281) 10,687,418
Dividend income received 1,285 6,867
Acquisition of Amex net of cash acquired - 2,430
Net investment in fixed assets (including intangible assets) (199,961) (985,608)
Sale proceeds on disposal of fixed assets 14,116 106,842
Net cash (used in) / generated from investing activities (46,686,841) 9,817,949
CASH FLOW FROM FINANCING

ACTIVITIES
Repayment of sub-ordinated Term Finance Certificates (187,300) (202,155)
Dividend paid to minority shareholders by the subsidiary (59,900) (58,092)
Expenditure on issue of right shares (3,886) -
Payment of lease obligations (6,933) (13,893)
Net cash used in financing activities (258,019) (274,140)
Decrease in cash and cash equivalents for the year (175,218) (3,919,794)
Cash and cash equivalents at beginning of the year 24,002,701 27,922,495
Cash and cash equivalents at end of the year 30 23,827,483 24,002,701

Director

Consolidated Statement of Changes in Equity

S h are S ha re E xc ha ng e S ta tuto ry U na pp ro - To tal Mi no ri ty Tot al

C ap it al Pre mi um T ran sl ati on Re ser ve pr ia ted In te rest
Res erve Pro f it
( Ru p ees i n ' 000 )
B alance as at 31 Decem b er 20 07 38 ,7 15, 85 0 1, 03 6, 090 ( 33, 53 9) 7 33, 49 0 3 ,0 31, 15 9 43 ,4 83, 05 0 760 ,1 80 4 4, 243 ,2 30
To tal co mp re he nsi ve i nc om e
f or th e ye ar
P ro fit f or t he ye ar - - - - 6 02, 39 2 6 02, 39 2 73, 13 0 675 ,5 22
O th er co m pre he ns ive i n co me
E xchan ge diff er ence on tr ans lat ion of

for eign op erat ions - - 60, 63 5 - - 60, 63 5 - 60 ,6 35
E xchan ge diff er ence on tr ans lat ion of
for eign op erat ions re leas ed on dis po sal - - ( 27, 09 6) - - ( 27 ,0 96) - (27 ,0 96)
A ctu arial gain / (los s ) on d efined b enefit
plans -net o f def err ed t ax - - - - 6, 46 0 6, 46 0 - 6 ,4 60
- - 33, 53 9 - 6 08, 85 2 6 42, 39 1 73, 13 0 715 ,5 21
Tr ans fe r to s t atut or y r es er ves - - - 1 35, 10 4 ( 135 ,1 04) - - -
Div idend p aid to m inor it y s har eholde rs - - - - - - ( 58 ,0 92) (58 ,0 92)
M inor it y s har e in d eficit o n r ev aluat ion

of av ailable for s ale s ec urit ies - - - - - - (1 97) (1 97)
B alance as at 31 Decem b er 20 08 38 ,7 15, 85 0 1, 03 6, 090 - 8 68, 59 4 3 ,5 04, 90 7 44 ,1 25, 44 1 7 75, 02 1 4 4, 900 ,4 62
To tal co mp re he nsi ve i nc om e
f or th e ye ar
P ro fit f or t he ye ar - - - - 73 8, 313 73 8, 313 5 7, 903 7 96, 21 6
O th er co m pre he ns ive i n co me
A ctu arial gain / (los s ) on d efined b enefit

plans -net o f def err ed t ax - - - - (13 ,9 14) ( 13 ,9 14) - (13 ,9 14)
- - - - 72 4, 399 72 4, 399 5 7, 903 7 82, 30 2
Tr ans fe r to s t atut or y r es er ve - - - 1 47, 66 3 ( 147 ,6 63) - - -
Div idend p aid to m inor it y s har eholde rs - - - - - - ( 59 ,9 00) (59 ,9 00)
E xp endit ure o n is s ue of r ight sh ares - - - - (3 ,3 66) (3 ,3 66) (5 20) (3 ,8 86)
Ba la nc e as a t 31 De ce mb er 2 009 38 ,7 15, 85 0 1, 03 6, 090 - 1, 016 ,2 57 4, 07 8, 277 44, 84 6, 474 77 2, 504 45 ,6 18, 97 8
The anne xed no tes 1 to 4 1 for m an int egr al par t of t hes e cons olid ated f inancial s tat em ents .

Director
Notes to the Consolidated Financial Statements

1. STATUS AND NATURE OF

BUSINESS
Standard Chartered Bank (Pakistan) Limited ("the Bank") was incorporated in Pakistan on 19 July 2006 and was
granted approval for commencement of banking business by State Bank of Pakistan, with effect from 30 December
2006. The ultimate holding company of the Bank is Standard Chartered Plc., incorporated in England. The registered
office is at Standard Chartered Bank Building, I.I. Chundrigar Road, Karachi.
The Bank commenced formal operations on 30 December 2006 through amalgamation of entire undertaking of Union
Bank Limited and the business carried on by the branches in Pakistan of Standard Chartered Bank, a bank incorporated
by Royal Charter and existing under the laws of England. The scheme of amalgamation was sanctioned by State
Bank of Pakistan vide its order dated 4 December 2006.
The Bank is engaged in the banking business as defined in the Banking Companies Ordinance, 1962 and has a
total number of 162 branches in Pakistan (2008: 174 branches in Pakistan ) in operation at 31 December 2009.
Standard Chartered Bank (Pakistan) Limited has the following three subsidiaries. All of them are incorporated in
Pakistan.
• Standard Chartered Leasing Limited
• Standard Chartered Modaraba
• Standard Chartered Services of Pakistan (Private) Limited
These financial statements are consolidated financial statements of Standard Chartered Bank (Pakistan) Limited and
its subsidiaries ("the Group").
2. BASIS OF PREPARATION
2.1 Basis of presentation
In accordance with the directives of the Federal Government regarding the shifting of the Grouping system to Islamic
modes, the State Bank of Pakistan has issued various circulars from time to time. One permissible form of trade
related mode of financing comprises of purchase of goods by the Bank from its customers and immediate resale to
them at appropriate mark-up in price on deferred payment basis. The purchases and sales arising under these
arrangements are not reflected in these financial statements as such but are restricted to the amount of facility actually
utilised and the appropriate portion of mark-up thereon.
2.2 Statement of compliance
These financial statements have been prepared in accordance with approved accounting standards as applicable
in Pakistan. Approved accounting standards comprise of such International Financial Reporting Standards (IFRS)
issued by the International Accounting Standards Board (IASB) and Islamic Financial Accounting Standards (IFAS)
issued by the Institute of Chartered Accountants of Pakistan (ICAP) as are notified under the Companies Ordinance,
1984, provisions of and directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance,
1962 and the directives issued by State Bank of Pakistan. In case the requirements differ, the provisions of and
directives issued under the Companies Ordinance, 1984 and Banking Companies Ordinance, 1962 and the directives
issued by the State Bank of Pakistan shall prevail.


The Securities and Exchange Commission of Pakistan has approved and notified the adoption of International
Accounting Standard 39, 'Financial Instruments: Recognition and Measurement' (IAS 39) and International Accounting
Standard 40, 'Investment Property' (IAS 40). The requirements of these standards have not been followed in the
preparation of these financial statements as the State Bank of Pakistan has deferred the implementation of these
standards for banks in Pakistan till further instructions. However, investments have been classified and valued in
accordance with the requirements of various circulars issued by the State Bank of Pakistan.
In addition, the Securities and Exchange Commission of Pakistan has notified Islamic Financial Accounting Standard
1, 'Murabaha' (IFAS 1). IFAS 1 was effective for financial periods beginning on or after 1 January 2006. This standard
has not been adopted by stand alone Islamic branches of conventional banks pending resolution of certain issues
e.g. invoicing of goods, recording of inventories, concurrent application with other approved accounting standards
in place for conventional banks, etc. Pakistan Banks Association and Modaraba Association of Pakistan have taken
up these issues with the State Bank of Pakistan and the Securities and Exchange Commission of Pakistan.
2.3 Basis of measurement
These financial statements have been prepared under the historical cost convention, except that certain available
for sale, trading and derivative financial instruments have been measured at fair value whereas certain fixed assets
are stated at revalued amounts less accumulated depreciation and accumulated impairment losses, where applicable.
2.4 Use of estimates and judgments
The preparation of financial statements in conformity with approved accounting standards requires management to
make judgments, estimates and assumptions that effect the application of accounting policies and reported amounts
of assets, liabilities, income and expenses. Actual results may differ from these estimates. The estimates and underlying
assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period
in which the estimate is revised if the revision affects only that period, or in the period of the revision and future periods
if the revision affects both current and future periods.
In particular, information about significant areas of estimation uncertainty and critical judgments in applying accounting
policies that have the most significant effect on the amounts recognised in the financial statements are described in
the following:
- Note 8 Provision against non-performing advances

- Note 9 Valuation and depreciation rates for fixed assets
- Note 10.2 Goodwill impairment testing
- Note 11 Deferred taxation
- Note 21.7 Derivative instruments
- Note 28 Income taxes
- Note 32 Employees' retirement defined benefit plans
2.5 Functional and presentation currency
These financial statements are presented in Pakistan Rupees, which is the Group’s functional currency. Except as
indicated, financial information presented in Pakistan Rupees has been rounded to the nearest thousand.

2.6 Changes in accounting policies
2.6.1 IFRIC 13 'Customer Loyalty Programmes'
During the current year, IFRIC 13 'Customer Loyalty Programmes' issued by the International Financial Reporting
Interpretations Committee became effective. The revenue from award credits for loyalty points earned on use
of various products of the Bank is measured by reference to their fair value and is recognised when award
credits are redeemed. The cost of award points is recognised at the time award points are redeemed. Previously,
revenue from award credits for loyalty points was being recognised at the time when these points were awarded
and the cost of award points was accrued at the same time. Due to current size of the program the effect of
change is not estimated to be material and therefore previous year figures have not been restated.
2.6.2 Revaluation of land and buildings on freehold

land
During the current year, the Bank changed its accounting policy for land and buildings on freehold land to carry
them at revalued amounts less accumulated depreciation and accumulated impairment losses thereon.
Previously these were being carried in the books at cost less accumulated depreciation. This change in
accounting policy has been dealt with as a revaluation in accordance with International Accounting Standard
16, 'Property, Plant and Equipment' (IAS 16). The relevant disclosures in this regard have been included in
note 9 to these financial statements. The management believes that the new accounting policy presents a
more accurate reflection of the carrying amounts of land and buildings in the financial statements.
2.6.3 International Accounting Standard 1 (Revised) 'Presentation of Financial Statements'
International Accounting Standard 1 (Revised) 'Presentation of Financial Statements' became effective for
financial periods beginning on or after 1 January 2009. The application of this standard has resulted in certain
increased disclosures including the 'Statement of Other Comprehensive Income' which has been reflected in
the Group's financial statements for the year ended 31 December 2009. The 'Statement of Other Comprehensive
Income' reflects the changes in equity other than those changes resulting from transactions with owners in
their capacity as owners. Since the change only impacts presentation aspects, there is no impact on earnings
per share.
2.6.4 Islamic Financial Accounting Standard 2, 'Ijarah'
During the year, one of the Bank's subsidiary, namely Standard Chartered Modaraba changed its accounting
policy for ijarah financing on adoption of Islamic Financial Accounting Standard 2, 'Ijarah' (IFAS 2). The
modaraba has applied this standard to all Ijarah contracts entered on or after 1 July 2008 as allowed by
Securities and Exchange Commission of Pakistan vide Letter No. SC/MR/RW/SCM/2009 dated 9 March 2009.
This standard requires all Ijarah rentals to be recognized in income on accrual basis, as and when the rentals
become due, and assets under Ijarah arrangements to be depreciated over the period of the lease in accordance
with International Accounting Standard, 16 'Property, Plant and Equipment' (IAS 16). The effect of this change
on Group's financial statements is not considered material, and therefore previous year figures have not been
restated.
2.6.5 Determination and presentation of operating segments
An operating segment is a component of the Group that engages in business activities from which it may earn
revenue and incur expenses, including revenues and expenses that relate to transactions with any of the
Group's other components. An operating segment's operating results are reviewed regularly by the Chief
Executive Officer (CEO) to make decisions about resources to be allocated to that segment and assess its
performance and for which discreet financial information is available.


Segment results that are reported to the CEO include items directly attributable to a segment as well as those
that can be allocated on a reasonable basis. There is no change in operating segments being reported as a
result of adoption of International Financial Reporting Standard 8, 'Operating Segments' (IFRS 8), other than
changes in certain disclosures.
3 SUMMARY OF SIGNIFICANT ACCOUNTING

POLICIES
3.1 Basis of consolidation
Subsidiaries
Subsidiaries are entities controlled by the Group. Control exists when the Group has the power to govern the
financial and operating policies of an entity so as to obtain benefits from its activities. In assessing control,
potential voting rights that presently are exercisable are taken into account. The financial statements of
subsidiaries are included in the consolidated financial statements from the date that control commences until
the date that control ceases.
Acquisitions from entities under common control
Business combinations arising from transfers of interests in entities that are under the control of the shareholder
that controls the Group are accounted for as if the acquisition had occurred at the beginning of the earliest
comparative period presented. For this purpose comparatives are restated. The assets and liabilities acquired
are recognised at the carrying amounts recognised previously in the combining entity's financial statements.
Other acquisitions
Other business combinations are accounted for using the acquisition method. For acquisitions prior to 1 January
2009, the cost of acquisition is measured as the fair value of the asset given, equity instruments issued and
the liabilities incurred or assumed at the date of exchange, plus costs directly attributable to the acquisition.
Identified assets acquired are fair valued at the acquisition date, irrespective of the extent of any minority
interest. The excess of cost of acquisition over the fair value of identifiable net assets acquired is recorded
as goodwill.
3.2 Cash and cash equivalents
For the purposes of cash flow statement, cash and cash equivalents comprise of cash and balances with treasury
bank and balances with other banks.
3.3 Investments
The Group classifies its investments as follows:
a) Held for trading
These are securities, which are acquired with the intention to trade by taking advantage of short term market
/ interest rate movements and are carried at market value. The surplus / deficit arising as a result of revaluation
at market value is recognised in the profit and loss account. These securities are to be sold within 90 days
from the date of their classification as 'Held for trading' under normal circumstances, in accordance with the
requirements specified by SBP BSD Circular 10 dated 13 July 2004.

b) Held to maturity
These are securities with fixed or determinable payments and fixed maturity that are held with the intention and
ability to hold to maturity. These are carried at amortised cost.
c) Available for sale
These are investments that do not fall under the held for trading or held to maturity categories and are carried at
market value. The surplus / deficit arising as a result of revaluation at market value is kept in a separate account below
equity.
All 'regular way' purchases and sales of investments are recognised on the trade date i.e. the date that the Group
commits to purchase or sell the asset. Regular way purchases or sales are purchases or sales of investments that
require delivery of assets within the time frame generally established by regulation or convention in the market place.
3.4 Sale and repurchase agreements
Securities sold subject to repurchase agreements ('repos') remain on the balance sheet; the counterparty liability is
included in borrowings from financial institutions. Securities purchased under agreements to resell ('reverse repos')
are recorded as lendings to financial institutions. The difference between sale and repurchase price is treated as
interest / markup / return and accrued over the life of the underlying agreement using the effective interest method.
3.5 Advances
Advances are stated net of provision against non-performing advances. Specific and general provisions are made
based on an appraisal of the loan portfolio that takes into account Prudential Regulations issued by the State Bank
of Pakistan from time to time. Specific provisions are made where the repayment of identified loans is in doubt and
reflect an estimate of the amount of loss expected. The general provision is for the inherent risk of losses which,
although not separately identified, are known from experience to be present in any loan porfolio. Provision made /
reversed during the year is charged to the profit and loss account and accumulated provision is netted off against
advances. Advances are written-off when there is no realistic prospect of recovery.
When the Group is the lessor in a lease agreement that transfers substantially all of the risks and rewards incidental
to ownership of an asset to the lessee, the arrangement is presented within loans and advances.
Assets given under Ijara contracts entered after 1 July 2008 are depriciated over the period of lease on a straight
line basis. The Ijara arrangements are shown as financing under loans and advances.
3.6 Operating fixed assets - tangible
Owned
Operating fixed assets, other than land and buildings on freehold land, are stated at cost or revalued amount less
accumulated depreciation and accumulated impairment losses thereon. Cost includes expenditure that is directly
attributable to the acquisition of fixed assets. Land and buildings on freehold land are stated at revalued amounts
less accumulated depreciation.


Subsequent costs are included in the asset's carrying amount or are recognised as a separate asset, as appropriate,
only when it is probable that future economic benefits associated with the item will flow to the Group and the cost
of the item can be measured reliably. All other repairs and maintenance expenditures are charged to profit and loss
account during the financial period in which they are incurred.
Land and buildings on freehold land are revalued by independent professionally qualified valuer(s). Surplus arising
on revaluation is credited to the 'surplus on revaluation of fixed assets' account (net of deferred tax). Under the
provisions of the Companies Ordinance, 1984, deficit arising on revaluation of fixed assets is adjusted against the
balance in the above-mentioned surplus account. The revaluation is carried out with sufficient regularity to ensure
that the carrying amount does not differ materially from that which would have been determined using fair value at
the balance sheet date.
Accumulated depreciation on buildings, at the date of revaluation, is eliminated against the gross carrying amount
of buildings. The net amount is then restated to the revalued amount.
Surplus on revaluation of fixed assets (net of deferred tax) is transferred to unappropriated profit to the extent of
incremental depreciation charged on related assets.
Land is not depreciated. Depreciation on all other fixed assets is calculated using the straight line method to allocate
their depreciable cost or revalued amount to their residual values over their estimated useful lives.
The residual values and useful lives of fixed assets are reviewed, and adjusted (if appropriate) at each balance sheet
date.
Gains and losses on disposal of fixed assets are included in profit and loss account currently.
Leased
Fixed assets held under finance lease are stated at the lower of fair value of asset and present value of minimum
lease payments at the inception of lease, less accumulated depreciation. Financial charges are allocated over the
period of lease term so as to provide a constant periodic rate of financial charge on the outstanding liability. Depreciation
is charged on the basis similar to owned assets.
3.7 Intangible assets
Goodwill
Goodwill represents the excess of cost of an acquisition over the fair value of the share of net identifiable assets
acquired at the date of acquisition. Goodwill is tested annually for impairment and carried at cost less accumulated
impairment.
Computer software
Acquired computer software licenses are capitalised on the basis of costs incurred to acquire and bring to use the
specific software. These costs are amortised on the basis of their expected useful lives.
Acquired intangibles in business combination
Acquired intangibles in business combination that have finite lives are amortised over their economic useful life based
on the manner that benefits of the relevant assets are consumed.

3.8 Impairment of non-financial assets
The carrying amounts of the Group’s non-financial assets, other than deferred tax assets, are reviewed at each
reporting date to determine whether there is any indication of impairment. If any such indication exists then the asset’s
recoverable amount is estimated. An impairment loss is recognised if the carrying amount of an asset or its cash-
generating unit exceeds its recoverable amount.
The recoverable amount of an asset or cash-generating unit is the greater of its value in use and its fair value less
costs to sell. In assessing value in use, the estimated pre-tax future cash flows are discounted to their present value
using a pre-tax discount rate that reflects current market assessments of the time value of money and the risks specific
to the asset.
An impairment loss in respect of goodwill is not reversed. In respect of other assets, impairment losses recognised
in prior periods are assessed at each reporting date for any indications that the loss has decreased or no longer
exists. An impairment loss is reversed if there has been a change in the estimates used to determine the recoverable
amount.
3.9 Staff retirement benefits
Defined benefit plan
The Group operates approved funded pension and gratuity schemes for all its non-management employees, and a
management pension scheme only for its existing pensioners.
For defined benefit plans, the liability / asset recognised on the balance sheet is the present value of defined benefit
obligation at the balance sheet date less the fair value of plan assets. The defined benefit obligation is calculated
annually by independent actuaries using the "Projected Unit Credit Actuarial Cost Method".
Actuarial gains and losses that arise are recognised in other comprehensive income in the period in which they arise.
Past service costs are recognised immediately to the extent that benefits are vested and are otherwise recognised
over the average period until benefits are vested on a straight line basis. Current service costs and any past service
costs together with the expected return on plan assets less the effect of the unwinding of the discount on plan liabilities
are charged to operating expenses.
Defined contribution plan
The Group also operates a defined contribution gratuity scheme for all its management staff and a provident fund
scheme for all its permanent staff, contributing at 8.33 percent and 10 percent of basic salary respectively.
3.10 Foreign currency transactions
Transactions in foreign currencies are translated to Pakistan Rupees at exchange rates prevailing at the date of the
transaction. Monetary assets and liabilities denominated in foreign currencies at the reporting date are retranslated
to Pakistan Rupees at the exchange rate prevailing at that reporting date. Foreign currency differences arising on
retranslation are recognised in profit or loss.
The assets and liabilities of foreign operations are translated to Pakistan Rupees at exchange rates prevailing at the
reporting date. The income and expenses of foreign operations, are translated to Pakistan Rupees at exchange rates
prevailing at the date of the transaction. Foreign currency differences are recognised in other comprehensive income.


3.11 Taxation
Income tax expense comprises of current and deferred tax. Income tax expense is recognised in the profit and loss
account except to the extent that it relates to items recognised directly in equity or in other comprehensive income.
Current tax
Current tax is the expected tax payable on the taxable income for the year (using tax rates enacted or substantively
enacted at the balance sheet date), and any adjustment to tax payable in respect of previous years.
Deferred tax
Deferred tax is provided for using the balance sheet method, providing for temporary differences between the carrying
amounts of assets and liabilities for financial reporting purposes and the amounts used for taxation purposes. Deferred
tax is not recognised on temporary differences relating to: (i) the initial recognition of goodwill; and (ii) the initial
recognition of assets or liabilities in a transaction that is not a business combination and that affects neither accounting
nor taxable profit.
Deferred tax is measured at tax rates that are expected to be applied to the temporary differences when they reverse,
based on the laws that have been enacted or substantively enacted by the reporting date.
A deferred tax asset is recognised only to the extent that it is probable that future taxable profits will be available
against which the asset can be utilised. Deferred tax assets are reviewed at each reporting date and are reduced
to the extent that it is no longer probable that the related tax benefit will be realised.
3.12 Revenue recognition
Mark-up / return on advances and investments is recognised on an accrual basis using the effective interest rate
method. The effective interest rate is the rate that exactly discounts the estimated future cash payments and receipts
through the expected life of the financial asset or liability (or, where appropriate, a shorter period) to the carrying
amount of the financial asset or liability.
Mark-up recoverable on classified loans, advances and investments is recognised on a receipt basis in accordance
with the requirements of Prudential Regulations issued by the State Bank of Pakistan and Securities and Exchange
Commission of Pakistan. Mark-up on rescheduled / restructured loans, advances and investments is also recognised
in accordance with the requirements of these Prudential Regulations.
The Group follows the effective interest method in accounting for the recognition of lease income. Under this method,
the unearned lease income i.e. the excess of aggregate lease rentals and the estimated residual value over the cost
of the leased assets is deferred and taken to income over the term of the lease, so as to produce a systematic return
on the net investment in lease. Unrealised lease income pertaining to non-performing leases is held in suspense
account, where necessary, in accordance with the requirements of the Non-Banking Finance Companies and Notified
Entities Regulations, 2008. Processing, front end fee, commitment fee, penal charges and commission are recognised
as income when realised.
The Group follows the finance method for recognising income on Ijarah contracts commencing prior to 30 June 2008
and accounted for as finance leases. Under this method the unearned income i.e. the excess of aggregate Ijarah
rentals (including residual value) over the cost of the asset under Ijarah facility is deferred and then amortised
over the term of the Ijarah, so as to produce a constant rate of return on net investment in the Ijarah. For Ijarah
arrangements commencing on or after 1 July 2008, Ijarah rentals are recognized as income on accrual basis, as and
when rentals become due. In case of Ijarah arrangements with staggered rentals, the income is recognised on a

straight line basis over the Ijarah term. Documentation charges, front-end fee and other Ijarah income are recognised
as income on receipt basis. Unrealized lease income pertaining to non-performing leases is held in suspense account,
where necessary, in accordance with the requirements of the Prudential Regulations.
Fees and commission income are generally recognised on an accrual basis when the service has been provided.
Fees and commission which in substance amount to an additional interest charge, are recognised over the life of
the underlying transaction on a level yield basis.
Dividend income is recognised when the right to receive income is established.
The revenue from award credits for loyalty points earned on use of various products of the Bank is measured by
reference to their fair value and is recognised when award credits are redeemed.
3.13 Derivative financial instruments
Derivative financial instruments are initially recognised at fair value and are subsequently remeasured at fair value. All
derivative financial instruments are carried as assets when fair value is positive and liabilities when fair value is negative.
Any change in the fair value of derivative financial instruments is taken to profit and loss account.
3.14 Provisions
Provisions for restructuring costs and legal claims are recognised when: (i) the Group has a present legal or constructive
obligation as a result of past events; (ii) it is more likely than not that an outflow of resources will be required to settle
the obligation; and (iii) the amount has been reliably estimated.
3.15 Fiduciary activities
The Group commonly acts in fiduciary capacities that result in the holding or placing of assets on behalf of individuals,
trusts, retirement benefit plans and other institutions. These assets and income arising thereon are excluded from
these financial statements, as they are not assets of the Group.
3.16 Segment reporting
A segment is a distinguishable component of the Group that is engaged either in providing products or services
(business segment), or in providing products or services within a particular economic environment (geographical
segment), which is subject to risks and rewards that are different from those of other segments. The Group’s primary
format for segment reporting is based on business segments. A brief description of the products and services offered
by different segments of the Group is given in note 36 to these financial statements.
3.17 Offsetting
Financial assets and liabilities are set off and the net amount presented in the balance sheet when, and only when,
the Group has a legal right to set off the amounts and intends either to settle on a net basis or to realise the asset
and settle the liability simultaneously.
3.18 Subordinated
liabilities
Subordinated liabilities are initially measured at fair value plus transaction costs, and subsequently measured at their
amortised cost using the effective interest method.


3.19 Non-current assets and disposal groups held for sale
Non-current assets and disposal groups comprising of assets and liabilities that are expected to be recovered primarily
through sale rather than continuing use are classified as held for sale. Immediately before being classified as held
for sale, the assets and components of disposal group are remeasured in accordance with the Group's accounting
policies. Thereafter, the assets and disposal group are measured at the lower of their carrying values and fair values
less cost to sell.
3.20 Discontinuing operations
A discontinuing operation is a component of the Group's business that represents a separate major line of business
or geographical area of operations that has been disposed of or is held for sale. Classification as a discontinuing
operation occurs on disposal or when the operation meets the criteria to be classified as held for sale, if earlier.
3.21 Share-based compensation
The Group operates cash-settled share-based compensation plans. The fair value of the employee services received
in exchange for the grant of the options is recognized as an expense. Cash-settled awards are revalued at each
balance sheet date with any changes in fair value charged or credited to staff costs in the profit and loss account.
3.22 New standards and interpretations not yet adopted
The following standards, amendments and interpretations of approved accounting standards will be effective for
accounting periods beginning on or after 1 January 2010:
• Revised IFRS 3 - Business Combinations (applicable for annual periods beginning on or after 1 July 2009) broadens
among other things the definition of business resulting in more acquisitions being treated as business combinations,
contingent consideration to be measured at fair value, transaction costs other than share and debt issue costs
to be expensed, any pre-existing interest in an acquiree to be measured at fair value, with the related gain or loss
recognised in profit or loss and any non-controlling (minority) interest to be measured at either fair value, or at its
proportionate interest in the identifiable assets and liabilities of an acquiree, on a transaction-by-transaction basis.
The application of this standard is not likely to have an effect on the Group’s financial statements.
• Amended IAS 27 - Consolidated and Separate Financial Statements (effective for annual periods beginning on
or after 1 July 2009) requires accounting for changes in ownership interest by the group in a subsidiary, while
maintaining control, to be recognized as an equity transaction. When the group loses control of subsidiary, any
interest retained in the former subsidiary will be measured at fair value with the gain or loss recognized in the profit
or loss. The application of the standard is not likely to have any material effect on the Group’s financial statements.
• IFRIC 15 - Agreement for the Construction of Real Estate (effective for annual periods beginning on or after 1
October 2009) clarifies the recognition of revenue by real estate developers for sale of units, such as apartments
or houses, 'off-plan', that is, before construction is complete. The amendment is not relevant to the Group’s
operations.
• IFRIC – 17 - Distributions of Non-cash Assets to Owners (effective for annual periods beginning on or after 1 July
2009) states that when a Bank distributes non cash assets to its shareholders as dividend, the liability for the
dividend is measured at fair value. If there are subsequent changes in the fair value before the liability is discharged,
this is recognised in equity. When the non-cash asset is distributed, the difference between the carrying amount
and fair value is recognised in the income statement. As the Group does not distribute non-cash assets to its
shareholders, this interpretation has no impact on the Group’s financial statements.

• The International Accounting Standards Board made certain amendments to existing standards as part of its Second
annual improvements project. The effective dates for these amendments vary by standard and most will be applicable
to the Group’s 2010 financial statements. These amendments are unlikely to have an impact on the Group’s financial
statements.
• Amendment to IFRS 2 - Share-based Payment – Group Cash-settled Share-based Payment Transactions (effective
for annual periods beginning on or after 1 January 2010). Currently effective IFRSs require attribution of group share-
based payment transactions only if they are equity-settled. The amendments resolve diversity in practice regarding
attribution of cash-settled share-based payment transactions and require an entity receiving goods or services in
either an equity-settled or a cash-settled payment transaction to account for the transaction in its separate or individual
financial statements.
• Amendment to IAS 32 - Financial Instruments: Presentation – Classification of Rights Issues (effective for annual
periods beginning on or after 1 February 2010). The IASB amended IAS 32 to allow rights, options or warrants to
acquire a fixed number of the entity’s own equity instruments for a fixed amount of any currency to be classified as
equity instruments provided the entity offers the rights, options or warrants pro rata to all of its existing owners of the
same class of its own non-derivative equity instruments. This interpretation has no impact on the Group’s financial
statements.
• IFRIC 19 - Extinguishing Financial Liabilities with Equity Instruments (effective for annual periods beginning on or after
1 July 2010). This interpretation provides guidance on the accounting for debt for equity swaps. This interpretation
has no impact on the Group’s financial statements.
• IAS 24 - Related Party Disclosures (revised 2009) – effective for annual periods beginning on or after 1 January 2011.
The revision amends the definition of a related party and modifies certain related party disclosure requirements for
government-related entities. The amendment would result in certain changes in disclosures.
• Amendments to IFRIC 14 IAS 19 - The Limit on a Defined Benefit Assets, Minimum Funding Requirements and their
Interaction (effective for annual periods beginning on or after 1 January 2011). These amendments remove unintended
consequences arising from the treatment of prepayments where there is a minimum funding requirement. These
amendments result in prepayments of contributions in certain circumstances being recognised as an asset rather
than an expense. This amendment is not likely to have any impact on the Group’s financial statements.
• Improvements to IFRSs 2008 – Amendments to IFRS 5 - Non-current Assets Held for Sale and Discontinued Operations
– (effective for annual periods beginning on or after 1 July 2009). The amendments specify that if an entity is committed
to a plan to sell a subsidiary, then it would classify all of that subsidiary’s assets and liabilities as held for sale when
the held for sale criteria in IFRS 5 are met. This applies regardless of the entity retaining an interest (other than control)
in the subsidiary; and disclosures for discontinued operations are required by the parent when a subsidiary meets
the definition of a discontinued operation. This amendment is not likely to have any impact on the Group’s financial
statements.


Note 2009 2008

4. CASH AND BALANCES WITH TREASURY (Rupees in ‘000)
BANKS
In hand
- Local currency 4.1 2,162,846 3,376,751
- Foreign currencies 787,164 1,120,491
With State Bank of Pakistan in:

- Local currency current account 9,830,268 8,296,510
- Local currency current account-Islamic Banking 524,863 785,414
- Foreign currency deposit account
Cash reserve account (5% of FE 25) 1,866,121 1,641,453
Special cash reserve account (15% of FE 25) 5,576,905 4,886,527
Local US Dollar collection account 31,873 60,175
With National Bank of Pakistan in:
- Local currency current account 741,552 2,573,798
21,521,592 22,741,119
4.1 This includes National Prize Bonds of Rs. 2.58 million (2008: Rs. 2.26 million).
5. BALANCES WITH OTHER BANKS
In Pakistan
- In current accounts 94,749 256,127
Outside Pakistan
- In current accounts 5.1 2,211,142 1,005,455
2,305,891 1,261,582
5.1 This includes balances of Rs. 2,179.389 million (2008: Rs. 975.202 million) held with branches of Standard Chartered
Bank PLC, UK outside Pakistan.
6. LENDINGS TO FINANCIAL INSTITUTIONS
Note 2009 2008

(Rupees in ‘000)
Repurchase agreement lendings (Reverse Repo) 6.1 3,446,217 12,475,673

Placements 6.2 17,121,847 18,996,954
20,568,064 31,472,627
6.1 These carry mark-up at rates ranging from 11 percent to 12.4 percent per annum (2008: 11 percent to 14.9 percent
per annum) payable at maturity, and are due to mature by January 2010. These arrangements are governed under
Master Repurchase Agreements.
6.2 This represents placements with branches of Standard Chartered Bank PLC, UK outside Pakistan at mark-up rates
ranging from 0.15 percent to 0.53 percent per annum (2008: 0.01 percent and 2.69 percent per annum), and are
due to mature by March 2010.

Note 2009 2008

6.3 Particulars of lending (Rupees in ‘000)

20,568,064 31,472,627
6.4 Securities held as collateral against lendings to financial institutions
2009 2008

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

- -
Market
Treasury Bills 3,446,217 - 3,446,217 12,475,673 - 12,475,673
The market value of securities held as collateral against lendings to financial institutions amounted to Rs. 3,466.652 million
(2008:Rs. 12,565 million).
2009 2008
7 . I NVE ST M EN T S - N ET
Held by Given as Total Held by Given as Total
7 . 1 I nv e stm e n ts b y typ e Note bank collateral bank collatera
l
He l d fo r tr a d in g --------------------------------------- (Rupees in '000) ---------------------------------------
Mar ket Tr ea sur y Bills 7 ,2 6 5, 1 91 - 7, 2 65 , 19 1 9 8 9, 0 10 - 98 9 ,0 1 0

Pa kist an In ve st men t Bo nd s 1, 9 28 - 1 , 92 8 3, 9 16 - 3 ,9 1 6
Ter m F inan ce C er t ific at es -lis te d 1 8 6, 4 60 - 1 86 , 46 0 - - -
Ava i la b l e f or sa l e
Mar ket Tr ea sur y Bills 7 . 6 5 8 ,6 0 9, 8 47 4 ,7 7 8, 2 39 6 3, 3 88 , 08 6 1 7 ,0 7 8, 1 41 - 17 , 07 8 ,1 4 1

Pa kist an In ve st men t Bo nd s 7 . 6 1 0 ,8 5 3, 0 45 1 9, 0 09 1 0, 8 72 , 05 4 1 2 ,2 1 9, 7 72 19 , 05 7 12 , 23 8 ,8 2 9
Or d ina ry sh ar es of list ed com pan ies 7 . 7 1 0, 5 51 - 10 , 55 1 1 0, 5 55 - 1 0 ,5 5 5
Unit s / ce r tif ica te s of mut ual f un ds 7 . 8 6, 3 64 - 6 , 36 4 9, 4 50 - 9 ,4 5 0
Or d ina ry sh ar es of un list ed c omp an ies 7 . 11 8 6, 9 87 - 86 , 98 7 8 6, 8 18 - 8 6 ,8 1 8
Sukuk Bo nd s 7 . 9 1 ,8 0 0, 0 00 - 1, 8 00 , 00 0 3 0 0, 0 00 - 30 0 ,0 0 0
He l d To M at ur i ty
Pa kist an In ve st men t Bo nd s 7 . 5 .1 1 5 4, 7 99 - 1 54 , 79 9 1 6 1, 0 79 - 16 1 ,0 7 9
Sukuk Bo nd s 6 8, 7 50 - 68 , 75 0 - - -
I nv e stm e n ts a t a m o rt is ed c o st 7 9 ,0 4 3, 9 22 4 ,7 9 7, 2 48 8 3, 8 41 , 17 0 3 0 ,8 5 8, 7 41 19 , 05 7 30 , 87 7 ,7 9 8
Pr o v ision fo r d imin ut ion i n
t he v a lue o f in ve st men ts 7 . 3 ( 2 1, 6 43 ) - ( 2 1 ,6 4 3) (1 2 ,7 5 1) - ( 12 , 75 1 )
I nv e stm e n ts ( n e t o f p ro v is io n s ) 7 9 ,0 2 2, 2 79 4 ,7 9 7, 2 48 8 3, 8 19 , 52 7 3 0 ,8 4 5, 9 90 19 , 05 7 30 , 86 5 ,0 4 7
Sur p lus on re v alua tio n o f
h eld f o r t r ad ing se cu rit ie s - net 7 . 10 1 7 9, 8 35 - 1 79 , 83 5 4 38 - 438
(D efi cit ) / su rp lus o n r ev alu at ion of
av a ilab le f or sale se cu rit ie s - net ( 7 3 8, 4 74 ) 2, 7 73 ( 73 5 ,7 0 1) (1 , 92 2 ,7 3 3) (4 , 96 2 ) ( 1, 9 27 , 69 5 )
To ta l I n ve s tm e nt s 7 8 ,4 6 3, 6 40 4 ,8 0 0, 0 21 8 3, 2 63 , 66 1 2 8 ,9 2 3, 6 95 14 , 09 5 28 , 93 7, 7 90


7.2 Investments by segment

Note 2009 2008
(Rupees in ‘000)
Market Treasury Bills 70,653,277 18,067,151
Pakistan Investment Bonds 11,028,781 12,403,824
Fully paid up ordinary shares
Listed companies 10,551 10,555
Unlisted companies 86,987 86,818
Bonds and Term Finance Certificates
Sukuk Bonds 1,868,750 300,000
Term Finance Certificates 186,460 -
Other investments (mutual 6,364 9,450

funds)
Total investment at amortised cost 83,841,170 30,877,798
Less: Provision for diminution in the value of investments (21,643) (12,751)

83,819,527 30,865,047
Surplus on revaluation of held for trading securities - net 179,835 438
Deficit on revaluation of available for sale securities - net (735,701) (1,927,695)
83,263,661 28,937,790
7.3 Particulars of provision for diminution in the value of investments

Charge for the year 11,765 10,119
Reversals (2,873) -
Net charge 8,892 10,119
Closing Balance 7.3.1 21,643 12,751
7.3.1 The total provision against investments relates to 'Available for Sale' investments.
7.4 Investments include securities having book value of Rs. 19.009 million (2008: Rs. 19.057 million) pledged with the
State Bank of Pakistan as security to facilitate T.T. discounting facility to the Bank, including an amount earmarked
against the facilities allocated to branches now in Bangladesh.
7.5 Market Treasury Bills and Pakistan Investment Bonds are eligible for discounting with the State Bank of Pakistan.
7.5.1 Market value of held to maturity investment amounted to Rs. 142.514 million (2008:Rs 132.331 million)

2009 2008
Qu a li ty o f ' Av a il a b le fo r S al e ' s e cu r it ie s
Rating Cost Market Rating Cost Market
Value Value
(Rupees in '000) (Rupees in '000)
7 .6 F e d e ra l G o v er n m e nt S ec u r iti e s
M ar ket Tr easu r y Bi lls Un r at ed 6 3, 3 8 8, 0 86 6 3 ,4 5 7, 4 18Un r at ed 17 , 07 8 ,1 4 1 17 , 09 4 ,1 6 1

P aki sta n Inv e stme nt Bon ds Un r at ed 1 0, 8 7 2, 0 54 1 0, 0 6 6, 9 05Un r at ed 12 , 23 8 ,8 2 9 10 , 29 5 ,0 5 3
7 4, 2 6 0, 1 40 7 3, 5 2 4, 3 2329 , 31 6 ,9 7 0 27 , 38 9 ,2 1 4
7 .7 P ar ti c ul a rs o f sh a re s h e ld - li s te d 2009 2008

2 00 9 2 0 08
Value Value
( N u m be r o f S h ar es )
2 6 0, 0 00 2 60 , 00 0 P akist an Tele co mmun icat io n Un r at ed 10 , 0 46 4, 5 89 Un r at ed 1 0 ,0 4 6 4 ,3 9 2

Co mp any Limi te d
- 90 0 Sa kra nd Su ga r Mi lls Limit ed N /A - -Un r at ed 3 3
- 20 0 K h ur shid Spi nnin g Mill s L imit ed N /A - -Un r at ed - -
- 40 0 T aj Tex t ile L imit ed N /A - -Un r at ed 1 1
1 8 3, 0 00 1 83 , 00 0 A MZ Ve nt ur es Lim ite d Un r at ed 5 05 1 06 Un r at ed 5 0 5 1 2 8
1 0, 5 51 4, 6 95 1 0 ,5 5 5 4 ,5 2 4
P r ov isio n f or di minu tio n in t he va lue

of inv est me nt s - no te 7. 3 ( 5 , 97 1 ) (6 , 03 1 )
4, 5 80 4, 6 95 4 ,5 2 4 4 ,5 2 4
A ll sh ar es ar e o r din ar y s har es o f Rs. 1 0 ea ch e xc ep t o th er w ise me nt ion ed .
7 .8 P ar ti c ul a rs o f u ni ts / c er ti fi ca te s h e ld i n mu t ua l fu n d s 2009 2008
2 00 9 2 0 08 Rating Cost Market Rating Cost Market
( N u m be r o f S h ar es )
Value Value
- 19 7 U TP Lar ge Cap it al Fu nd N /A - -4- Sta r 2 1

- 5 , 25 0 P akist an Cap it al Mar ke t Fu nd N /A - -5- Sta r 6 0 7 4
3 , 44 7 3 , 44 7 N ati ona l Inv est me nt (Un it )T ru st 5 - Sta r 1, 3 63 1, 3 63 5- Sta r 1 ,5 2 0 1 ,5 6 8
5 8 0, 7 50 5 80 , 75 0 Fi rs t Da wo od Mut ua l F un d 4 - Sta r 5, 0 01 9 81 4- Sta r 4 ,1 4 7 1 ,2 5 4
- 3 72 , 10 0 P ak i s tan S t r ateg i c Al l o cat i on Fun dN /A - -4- Sta r 3 ,7 2 1 8 4 8
6, 3 64 2, 3 44 9 ,4 5 0 3 ,7 4 5
P r ov isio n f or di minu tio n in t he va lue

of inv est me nt s - no te 7. 3 ( 4 , 01 9 ) (5 , 76 6 )
2, 3 45 2, 3 44 3 ,6 8 4 3 ,7 4 5
7 .9 B o n d s a n d T er m Fi n a n ce C er ti fi ca te s
2009 2008

Value Value
W ap d a Sukuk Bo nd s Un r at ed 3 0 0, 0 00 3 0 0, 0 00 Un r at ed 30 0 ,0 0 0 30 0 ,0 0 0
P aki sta n Int er na ti ona l Air lin es Su kuk Bon ds Un r at ed 1, 5 0 0, 0 00 1, 5 0 0, 0 00N /A - -
1, 8 0 0, 0 00 1, 8 0 0, 0 0030 0 ,0 0 0 30 0 ,0 0 0
7 .1 0 U n re a l iz ed g a in o n re va l u at io n o f i nv es tm e n ts c l as si fi e d a s he l d fo r tr a d in g
20 0 92 0 08
( Ru p e e s i n ‘ 0 00 )
M ar ket Tr easu r y Bi lls 17 7 ,6 5 03 6 0

P aki sta n Inv es tme nt Bon ds 57 8
L iste d T er m Fin anc e Ce r tif ica te s 2 ,1 8 0-
17 9 ,8 3 54 3 8


7.11 Particulars of shares held - unlisted

2009 2008 2009 2008
20 0 92 00 8
( N um b e r o f S ha r es )
(Rating) (Rupees in ‘000)
8,000,000 8,000,000 Khushali Bank Limited A-/A-2 A-/A-1 83,088 83,088

Ordinary Shares of Rs. 10 each
Chief Executive: M. Ghalib Nishtar
573,769 573,769 Pakistan Export Finance Guarantee Unrated Unrated 3,004 2,835
Agency Limited
Chief Executive: S.M.
Zaeem
8 8 Society for Worldwide Interbank Unrated Unrated 895 895

Fund Transfer
86,987 86,818
Provision for diminution in the value of investments - note 7.3 (1,653) (954)
85,334 85,864
Note 2009 2008

8. ADVANCES - NET
(Rupees in ‘000)
Loans, cash credits, running finances, etc.
- In Pakistan 134,728,057 132,794,963
- Outside Pakistan --
134,728,057 132,794,963
Net investment in Finance Lease / Ijarah
Finance
- In Pakistan 8.2 3,440,775 4,423,353
- Outside Pakistan - -
3,440,775 4,423,353
Ijarah contracts accounted for under IFAS 2 8.3 1,875,239 -
Bills discounted and purchased (excluding treasury bills)

- Payable in Pakistan 2,314,548 1,753,623
- Payable outside Pakistan 4,273,402 2,430,209
6,587,950 4,183,832
Advances - gross 146,632,021 141,402,148
Provision for non-performing advances 8.5 (17,171,867) (12,410,070)

Advances - net of provision 129,460,154 128,992,078
8.1 Particulars of advances
8.1.1 In local currency 123,995,458 125,015,500

129,460,154 128,992,078
8.1.2 Short term (for upto one year) 86,903,855 98,928,922

Long term (for over one year) 42,556,299 30,063,156
129,460,154 128,992,078

8 .2 N et i nv estm en t i n F in an ce Le as e 200 9 2 008
No t la t er L at e r t ha n O ver f i ve To t al Not lat er L at er th an Ove r f ive Tot al

t ha n o ne on e an d l es s ye ars t ha n one on e and l ess ye ar s
ye ar t ha n f i ve ye ars ye ar t ha n fi ve year s
( Ru pe es i n '0 00)
Lea se r ent al r eceiv able 1 , 829 , 248 1 , 588 ,4 93 - 3, 41 7, 74 1 2 ,1 32, 1 20 2 , 301 ,4 55 - 4 , 43 3, 5 75

R es id ual val ue 278 , 090 418 ,3 46 - 69 6, 43 6 3 34, 5 28 624 ,0 85 - 95 8, 6 13
M inim um Leas e p aym en ts 2 , 107 , 338 2 , 006 ,8 39 - 4, 11 4, 17 7 2 ,4 66, 6 48 2 , 925 ,5 40 - 5 , 39 2, 1 88
Fin ancial char ge s f or f ut ur e per iod s ( 442 ,7 95 ) (2 30 ,6 07 ) - ( 67 3, 402 ) ( 530 ,8 12 ) ( 43 8, 02 3) - (96 8, 83 5)
P r es ent v alue o f m inim um leas e pay m ent s 1 , 664 , 543 1 , 776 ,2 32 - 3, 44 0, 77 5 1 ,9 35, 8 36 2 , 487 ,5 17 - 4 , 42 3, 3 53
8 .3 As set s un d er I j ar ah arr an g em en ts
Th e f ollo wing is a s tat em ent of as s et s leas ed out s ubs eq uent to 1 J u ly 20 08 t hat have b een acco unt ed fo r un der Is lam ic F inancial A ccou ntin g St and ard 2, ' Ijar ah' (IF AS 2) :
200 9 2 008
Co st A ccu mu l at ed Net b oo k Cost Accu m ula te d Net boo k

d ep re ci at i on va lu e d epr e ciat io n valu e
( Ru pe es i n ' 0 00)
Ta ng i b le
P lant , m achi ner y and e quip me nt 1, 21 8, 41 1 19 2, 49 1 1 ,0 25, 9 20 - - -
M ot or v ehicles 99 1, 09 4 14 1, 77 5 8 49, 3 19 - - -
2, 20 9, 50 5 33 4, 26 6 1 ,8 75, 2 39 - - -
8 .4 A dv ance s inc lude R s . 2 2, 00 3. 70 6 m illion (3 1 Dece mb er 2 00 8: R s . 17, 1 56. 50 6 m illion ) which h ave b een plac ed und er no n-pe rf or m ing s tat us as det ailed b elow:
200 9
C la ssi f ie d Ad va nc es Pro vi sio n R eq ui red Pro vis io n He ld
Do m esti c O ve rse as To ta l D o me sti c O ve rs ea s To tal D o me sti c O ve rs ea s To tal
(R up e es i n ' 00 0)
C ate g or y of c la ssi fi ca tio n
O AE M 16 5, 00 5 - 165 ,0 05 1 4, 89 7 - 14, 8 97 14 ,8 97 - 1 4, 8 97
S ub s tand ar d 4, 02 1, 71 9 - 4 , 021 ,7 19 1, 03 8, 11 6 - 1 ,0 38, 1 16 1 , 038 ,1 16 - 1 , 03 8, 1 16
Do ubt ful 2, 65 4, 03 9 - 2 , 654 ,0 39 1, 23 5, 14 9 - 1 ,2 35, 1 49 1 , 235 ,1 49 - 1 , 23 5, 1 49
Lo s s 1 5, 16 2, 94 3 - 15 , 162 ,9 43 1 3, 57 6, 69 5 - 13 ,5 76, 6 95 13 , 576 ,6 95 - 13 , 57 6, 6 95
2 2, 00 3, 70 6 - 22 , 003 ,7 06 1 5, 86 4, 85 7 - 15 ,8 64, 8 57 15 , 864 ,8 57 - 15 , 864 , 857
G ener al Pr ov is io n 1, 30 7, 01 0 - 1 ,3 07, 0 10 1 , 307 ,0 10 - 1 , 30 7, 0 10
2 2, 00 3, 70 6 - 22 , 003 ,7 06 1 7, 17 1, 86 7 - 17 ,1 71, 8 67 17 , 171 ,8 67 - 17 , 17 1, 8 67
2 008
Cl assif ied A dvan ces P r o visio n Req uir ed P r o visio n Hel d
Dom es t ic O v er s eas To tal Dom es t ic Ov er s eas Tot al Dom e st ic Ov er s eas Tot al
(Rupees in '000)
O AE M 1 05 ,9 49 - 10 5, 94 9 35, 4 17 35, 4 17 35 ,
4S 17 3 5 ,4
ub s tand ar 17
d 5 ,6 60 ,5 04 - 5, 66 0, 50 4 1 ,4 84, 0 28 - 1 ,4 84, 0 28 1 , 484 ,0 28 - 1,
48 4,
Do ubt0 28
ful 3 ,1 27 ,3 44 - 3, 12 7, 34 4 1 ,3 00, 3 98 - 1 ,3 00, 3 98 1 , 300 ,3 98 - 1 , 30 0,
3Lo98s s 8 ,2 62 ,7 09 - 8, 26 2, 70 9 7 ,7 94, 8 10 - 7 ,7 94, 8 10 7 , 794 ,8 10 - 7,
79 4, 8 10 17 ,1 56 ,5 06 - 17, 15 6, 50 6 10 ,6 14, 6 53 - 10 ,6 14, 6 53 10 , 614 ,6 53 -
G ener al Pr ov is io n 1 ,7 95, 4 17 - 110
,7 ,95,
61 44,17
6 531 , 795 ,4 17 - 1, 79 5, 41 7
17 ,1 56 ,5 06 - 17, 15 6, 50 6 12 ,4 10, 0 70 - 12 ,4 10, 0 70 12 , 410 ,0 70 - 1
2, 41 0, 07 0
A t 31 Decem ber , 2 00 9, t he pr ov is ion r equir em ent has b een r educe d by R s . 7 49 .9 51 m illion ( 31 Decem b er 2 008 : R s . 3 18. 5 m illion) due t o 4 0 per cen t (3 1 Decem be r, 200 8:
3 0 p er cent) benef it of For ced S a le Va lue (FS V) of com m erc ia l , r es ide ntia l a nd indus t ria l pr op ert ies (la nd a nd bu ilding only ) held a s c olla ter a l, in a cco rd a nce w ith t he r equ irem ent s
s p ecifi ed by S BP B SD Cir cu lar 1 0 dat ed 20 Oct obe r 20 09 . The s aid FS V bene fit i s no t av ailable f or dis t rib ut ion of ca sh an d s to ck d ivi dend .
200 9 200 8
8 .5 Pa rti cu l ar s of p ro vi sio n ag ai ns t no n -p er for mi n g a dva n ce s
Sp ec if i c G en er al T ot a l Speci fi c Ge ner a l Tot al
- a l l in lo c al c u rre nc y
(Rupees in '000)
O peni ng balan ce 1 0, 61 4, 65 3 1, 79 5, 41 7 12 ,4 10, 0 70 7 , 824 ,2 64 4, 08 7, 63 7 11 , 91 1, 9 01
C harg e for t he yea r 8, 58 1, 70 1 66 3, 55 3 9 ,2 45, 2 54 13 , 180 ,2 32 2, 23 6, 25 0 15 , 41 6, 4 82
R ev er s als ( 56 1, 907 ) ( 1, 15 5, 272 ) ( 1, 7 17, 1 79) ( 23 1, 76 0) (4, 5 28, 47 0) ( 4, 76 0, 23 0)
8, 01 9, 79 4 ( 49 1, 719 ) 7 ,5 28, 0 75 12 , 948 ,4 72 (2, 2 92, 22 0) 10 , 65 6, 2 52
A m ount s wr itt en of f ( 2, 75 0, 148 ) - ( 2, 7 50, 1 48) ( 9, 85 4, 21 4) - ( 9, 85 4, 21 4)
O th er m ov em ent s ( 1 9, 442 ) 3, 31 2 ( 16, 1 30) ( 30 3, 86 9) - (30 3, 86 9)
C los ing ba lance 1 5, 86 4, 85 7 1, 30 7, 01 0 17 ,1 71, 8 67 10 , 614 ,6 53 1, 79 5, 41 7 12 , 41 0, 0 70
8 .6 Pa rti cu l ar s of w ri te o ffs 20 09 20 0 8
( R up e e s i n ‘ 0 00 )
8 .6 . 1 A gains t pr ov is ions 2, 75 0, 14 89 , 85 4, 2 14
C harg ed and w rit t en of f dur ing t he y ear 2, 79 7, 33 4-
5, 54 7, 48 29 , 85 4, 2 14
8 .6 . 2 W rit e-o ff s o f R s . 50 0, 00 0 and ab ov e 72 0, 40 074 1, 3 37

W rit e-o ff s o f belo w R s . 50 0, 00 0 4, 82 7, 08 29 , 11 2, 8 77
5, 54 7, 48 29 , 85 4, 2 14
8 .7 D eta i ls o f lo an s w ri tte n- o ff o f Rs . 50 0, 00 0 an d a b ov e
In t er ms of s ub -s ect ion (3 ) of s ec tio n 3 3A o f th e B ank ing C om panies Or d inance, 196 2, the s t atem ent in res p ect o f wr itt en-o ff lo ans o r any oth er f inancial r elief o f fiv e hund red
t hous an d ru pees or abo ve allo wed t o a per s on( s ) dur ing t he y ear ended 31 Dece mb er 2 00 9 is giv en in Ann exu re 1 .


2009 2008
(Rupees in ‘000)
8.8 Particulars of loans and advances to directors, associated companies, etc.
(i) Debts due by directors, executives or officers of the bank or any of

them either severally or jointly with any other persons
Balance at beginning of the year 2,398,379 2,164,614
Repayments (2,964,077) (1,032,944)
Balance at end of the year 2,782,731 2,398,379
(ii) Debts due by companies or firms in which the directors of the bank
are interested as directors, partners or in the case of private companies
as members
Balance at beginning of the year -852,738
Loans granted during the year - 3,959,906
Repayments - (4,812,644)
Balance at end of the year --
(iii) Debts due by subsidiary companies, controlled firms, managed

modarabas and other related parties
Balance at beginning of the year 102,316 86,548
Loans granted during the year 67,037 604,413
Repayments (38,883) (588,645)
Balance at end of the year 130,470 102,316
8.9 Contractual rentals receivable- Ijarah contracts commencing 1 July 2008
2009 2008
Not later Later than Later than Total Not later Later than Later than
than one one and less five years than one one and less five years
Total
year than five years year than five years
----------------------------------------------------------- (Rupees in '000) --------------------------------------------------------
Rentals 699,766 1,550,131 338 2,250,235 - -- -

Residual
receivablevalue 586 244,512 - 245,098 - -- -
Total future
payments
Ijarah 700,352 1,794,643 338 2,495,333 - - - -
receivable
9. OPERATING FIXED
ASSETS
Capital work-in-progress 9.1 68,349 96,741
Property and equipment 9.2 6,935,566 3,803,935
7,003,915 3,900,676
9.1 Capital work-in-progress
Civil works 18,004 25,483
Advance payment towards property and equipment 47,162 66,753
Consultants' fee and other charges 3,183 4,505
68,349 96,741

9.2 Property and equipment 2009

buildings on hold fixture and
equipment
(Rupees in’000)
Cost / Valuations
At 1 January 2009 3,184,054 463,580 3,392,838 86,434 7,126,906

Additions during the year 23,658 97,289 96,830 10,576 228,353
Revaluation surplus recorded 3,599,739 - - - 3,599,739
Transfers / write offs (1,042,151) 831,756 (43,420) 110 (253,705)
Deletions (111) (2,730) (39,585) (15,745) (58,171)
At 31 December 2009 5,315,577 1,389,895 3,406,663 81,375 10,193,510
Depreciation
At 1 January 2009 755,182 249,683 2,274,026 44,080 3,322,971

Transfers / write offs (377,638) 203,457 (40,652) 110 (214,723)
Deletions (81) (2,647) (38,629) (7,872) (49,229)
At 31 December 2009 - 541,294 2,665,450 51,200 3,257,944
Net book value 5,315,577 848,601 741,213 30,175 6,935,566
* The revaluation adjustments relate to the accumulated depreciation as at the revaluation date that was eliminated against the gross
carrying amount of the revalued buildings.
2008
buildings on hold fixture and
equipment
Cost (Rupees in’000)
At 1 January 2008 2,779,322 493,315 2,965,989 195,427 6,434,053

Additions during the year 488,826 - 648,570 9,314 1,146,710
Acquisition - - 715 6,230 6,945
Deletions - (29,735) (43,813) (124,537) (198,085)
At 31 December 2008 3,184,054 463,580 3,392,838 86,434 7,126,906
Depreciation
At 1 January 2008 655,596 263,362 1,951,871 72,666 2,943,495

Acquisition - - 520 2,597 3,117
Deletions - (15,464) (36,135) (54,049) (105,648)
At 31 December 2008 755,182 249,683 2,274,026 44,080 3,322,971
Net book value 2,428,872 213,897 1,118,812 42,354 3,803,935
Rate of depreciation 6.67% 6.67% 14.28% 33.33% 20%
9.3 The Bank's land and buildings on freehold land were revalued by an independent accredited professional valuer, Iqbal A. Nanjee
& Co. (Private) Limited. The valuation performed by the valuer was based on active market prices, adjusted for any difference in
the nature, location or condition of the specific land and building. The date of revaluation was 31 December 2009. The revaluation
has resulted in a net surplus of Rs. 3,599.739 million over the book value. If the owned land and buildings were measured using
the cost model, the carrying amounts would have been as follows:
2009
(Rupees in ‘000)
Cost 2,165,450
Accumulated depreciation (449,612)
Carrying amount 1,715,838
The movement in surplus on revaluation of fixed assets is given in note 20.1 to the financial statements.


9.4 As at 31 December 2009, the cost of fully depreciated property and equipment still in use amounted to Rs. 2,233.888 million
(2008: Rs. 1,883.476 million).
9.5 Depreciation rates for furniture, fixtures and office equipment are as follows:
Furniture and fixtures 33.33 percent

Printers 33.33 percent
Other office equipment 20 percent
Computer equipment 33.33 percent
ATM machines 14.28 percent
9.6 Details of disposal of fixed assets whose original cost or book value exceeds Rs. 1 million or Rs 250,000, which ever is less, and
assets disposed of to the Chief Executive or to a director or to executives or to a shareholder holding not less than 10% of the
voting shares of the bank or to any related party, irrespective of value, are given below:
P art icul ars Co st A ccum ul at ed B ook v alu e S ale Gai n / (L os s ) M o de o f Par ti cul ars of Pu rchas er
d epre ci atio n Pro ceeds on Sal e Di s pos al
- --------- --------- --------- --------- -----( R s . '0 00) --------- --------- --------- ---------
Le a s ed h o l d i mpr o ve me n ts ---------
1,331 1, 304 27 52 25 T en de r M/ s. F a rh a n & C o mpa ny
F u rn i tu re
x tu
, fr ies a n d 4, 160 3,955 205 451 246 T e nde r M/ s. F a rh a n & C o mpa ny
o ffi c e e qu i pme n t 3, 814 3,814 - 245 245 T e n de r M/ s. F a rh a n & C o mpa ny
2, 049 1,921 128 161 33 I n su r an c e C l a i m N e w H am psh i re I ns u ra n c e C o mpa ny
7, 800 7,739 61 687 626 T e n der M/ s. D i l aw a r & Br ot h er s
1, 373 1,373 - 130 130 T e n de r M/ s. M o ha mm ad I bra h i m Osma n S o o mro
1, 360 1,348 12 73 61 T en de r M/ s. F a rh a n & C o mpa ny
2, 767 2,757 10 60 50 T en de r M/ s. I l y as H u ss a i n So o mr o
7, 290 7,267 23 222 199 T e n der M/ s. M u ha mm ad Sh a h i d So o mr o
2, 795 2,795 - 9 9 Te n de r M/ s. M u ha mm ad Sh a h i d So o mr o
419 133 286 404 118 N e go t i at i o n M/ s. A ni s A hm ed & Br os .
1, 107 1,107 - 41 41 T e nde r M/ s. A l i Sa j j ad Ka zm i
920 920 - 66 66 T e nde r M/ s. S pro u t C o mpu te rs
1, 316 1,167 149 76 (73) T e n de r M/ s. H a rma n C o mpu t er
Ve hc il e s 560 187 373 396 23 Em pl oy e e Se r vi c e Ru l e s Ca r S ol d to Ra u f J a ma Ve h #. L ED 07- 6515

576 182 394 499 105 Empl o ye e Se rv i ce Ru l e s C a r So l d to Z a ra k M oo r a j Ve h #. APD - 384
560 205 355 381 26 Em pl oy e e Se r vi c e Ru l e sCa r So l d t o Sh e re e n H us sa i n V e h # . AN V -7 0 1
606 101 505 509 4 Empl o ye e S er vi c e R u l e s C a r So l d t o Al i Kh an (Ex- Em pl oy e e)
599 243 356 356 - Em pl o ye e Se r vi c e R ul e sCa r So l d t o Fa r ha n U d D i n N i a zi (E x -E
o ymeep)l
758 293 465 507 42 Em pl oy e e Se r vi c e Ru l e s Ca r S ol d to I mra n B a ri ( Ex- Empl o y ee )
907 332 575 616 41 Em pl oy e e Se r vi c e Ru l e s Ca r S ol d to Abi d S u l t a n Ve h #. L EF07- 6359
560 296 264 299 35 Em pl oy e e Se r vi c e Ru l e s Ca r S ol d to Re za A sg h a r Veh #. LW L - 0530
560 243 317 457 140 Empl o ye e Se rv i ce Ru l e s C a r So l d to S h ah a b An w e r Ve h #. L T - 785
1, 557 630 927 980 53 Em pl oy e e Se r vi c e Ru l e sCa r So l d to Ra fi Ah m ed Sh a ri ff ( Ex- Emp l o ye e )
1, 695 794 901 1, 215 314 Em pl o ye e Se r vi c e R ul e s C ar S o l d to Um ai r A bbas i Ve h #. A NW - 391
2, 876 1,184 1,692 2, 150 458 Em pl o ye e Se r vi c e R ul e s C ar S o l d to Al i A zh ar N a qvi (Ex- Em pl o y e e)
50, 315 42,290 8,025 11, 042 3,017
I te ms h a vi n g bo o k v al u e o f l e ss
th a n R s. 250, 000 a n d c o st o f
l e ss t h an Rs . 1,000, 000
L an d an d bui l i di n g o n fre e h o l d l a nd 111 81 30 7 (23)
L ea s e d h o l d i mpr o ve me n ts 1, 399 1,343 56 58 2
F u rn i tu re
x tu
, fr ies a n d o f fi c e
e qu ipm e nt 2, 415 2,331 84 1, 188 1,104
Ve hc il e s 3, 931 3,184 747 1,821 1,074
58, 171 49,229 8,942 14, 116 5,174

2009
1 0. I N T AN G I BL E A SSET S
Goodwill Core Customer Brand Computer Total
deposits relationships names Software
intangible intangible
(Rupees in '000)
Cost
A t 1 Ja nua ry 2 00 9 26 , 09 5, 3 10 1 , 98 2, 4 13 77 4, 6 80 38 9, 4 00 3 02 , 45 6 2 9, 5 44 , 25 9
T r ansf er s / w rit e o ff s - - - - (8 ) (8 )
A t 3 1 D e ce m b e r 2 00 9 26 , 09 5, 3 10 1 , 98 2, 4 13 77 4, 6 80 38 9, 4 00 3 02 , 44 8 2 9, 5 44 , 25 1
D e p re c i at io n
A t 1 Ja nua ry 2 00 9 - 1 , 19 5, 3 82 49 7, 0 65 9 1, 0 66 2 25 , 68 6 2, 0 09 , 19 9
C ha rg e f or th e y ea r - 32 6, 1 90 11 2, 2 70 3 8, 9 32 31 , 49 6 5 08 , 88 8
T r ansf er s / w rit e o ff s - - - - (8 ) (8 )
A t 3 1 D e ce m b e r 2 00 9 - 1 , 52 1, 5 72 60 9, 3 35 12 9, 9 98 2 57 , 17 4 2, 5 18 , 07 9
N e t b o o k va lu e 26 , 09 5 ,3 1 0 46 0, 8 41 16 5, 3 45 25 9, 4 02 45 , 27 4 2 7, 0 26 , 17 2
2008
Cost
A t 1 Ja nua ry 2 00 8 26 , 09 5 ,3 1 0 1 , 98 2, 4 13 77 4, 6 80 38 9, 4 00 3 18 , 02 5 2 9, 5 59 , 82 8
D ele tio ns - - - - ( 1 1, 7 65 ) ( 1 1, 7 65 )
T r ansf er s / w rit e o ff s - - - - ( 3, 8 04 ) ( 3, 8 04 )
A t 3 1 D e ce m b e r 2 00 8 26 , 09 5 ,3 1 0 1 , 98 2, 4 13 77 4, 6 80 38 9, 4 00 3 02 , 45 6 2 9, 5 44 , 25 9
D e p re c i at io n
A t 1 Ja nua ry 2 00 8 - 77 5, 5 86 33 6, 5 70 5 2, 1 40 1 61 , 68 0 1, 3 25 , 97 6
C ha rg e f or th e y ea r - 41 9, 7 96 16 0, 4 95 3 8, 9 26 76 , 08 4 6 95 , 30 1
D ele tio ns - - - - ( 8, 2 74 ) ( 8, 2 74 )
T r ansf er s / w rit e o ff s - - - - ( 3, 8 04 ) ( 3, 8 04 )
A t 3 1 D e ce m b e r 2 00 8- 1 , 19 5, 3 82 49 7, 0 65 9 1, 0 66 2 25 , 68 6 2, 0 09 , 19 9
N e t b o o k va lu e 26 , 09 5 ,3 1 0 78 7, 0 31 2 7 7, 6 15 29 8, 3 34 76 , 77 0 2 7, 5 35 , 06 0
R a te o f am o r ti sa ti o n 2 0%
1 0. 1 As a t 3 1 D ece mbe r 2 0 09 , t h e gr o ss car r y ing a mou nt of f ul ly a mor t ised int ang ib le asse t s ( co mpu t er sof tw ar e) st ill in use amo unt ed to Rs. 13 0. 6 79 millio n
(2 00 8 :R s. 1 1 9. 4 04 millio n) .
1 0. 2 The re co ve r ab le amo unt f or th e pu r po se o f asse ssin g imp air men t o n go od w ill on a cq uisit io n of Unio n Ban k Limit ed wa s b ase d o n v alu e in use . T he c alcu lat ion s
ar e ba sed on c ash f low pr o jec tio ns b ased on bu dg et s and fo r eca sts a pp r ov ed by t he ma nag eme nt cov e r ing t hr e e y ear pe r iod . T hes e ar e t hen ex tr a po lat ed t o a
fu rt he r p er io d o f 1 7 y ea rs u sing a ste ad y l ong te r m fo re cas t G DP gr o wt h r at e an d a t er min al v alue d et e rm ined ba sed o n a lo ng t er m e ar ning s mul tip le. Th e ca sh
flo w s ar e d isco un t ed u sin g a p r e-t ax d isc ou nt ra t e wh ich r ef lec ts t he cu rr e nt mar ke t r at e a pp r op r iat e f or t he b u sine ss. Fo r t h e ca lcu lat ion as at 31 De ce mb er
20 09 , t he b an k h as used a l ong t er m f or eca st G DP gr ow th rat e o f 4. 3 p er ce nt a nd a d isco unt ra te o f 2 6. 5 p er ce nt . Th e mana gem ent beli ev es th at a ny r e ason able
po ssib le ch ang es t o t he ke y a ssump t ion s on w hic h ca lcula ti on o f r ec ov er ab le a mou nt is b ase d, wo uld no t c ause t h e car r y ing amo unt to ex ce ed th e r eco v er ab le
amo unt .


11. DEFERRED TAX ASSETS - NET
The following are major deferred tax assets / (liabilities) recognised and movement
thereon:
2009
At 1 (Charge)/ Debit / (credit) At 31
January credit to profit to equity / other December
2009 and loss comprehensive 2009
income
(Rupees in’000)
Available for sale investments 674,716 - (417,179) 257,537
Accumulated business losses 81,225 (81,225) - -
Provisions for loans and advances 4,310,183 2,114,555 - 6,424,738
Other assets 1,581 (6,235) - (4,654)
Fixed assets (387,607) 10,788 - (376,819)
Surplus on revaluation of Fixed Assets - - (41,173) (41,173)
Goodwill (1,281,253) (726,301) - (2,007,554)
Actuarial gains on
retirement
benefits (30,114) - 7,492 (22,622)
3,368,731 1,311,582 (450,860) 4,229,453
2008
At 1 (Charge)/ Debit / (credit) At 31
January credit to profit to equity / other December
2008 and loss comprehensive 2008
income
(Rupees in’000)
Available for sale investments 155,102 - 519,614 674,716

Accumulated business losses - 81,225 - 81,225
Provisions for loans and advances 4,111,987 198,196 - 4,310,183
Other assets (6,576) 8,157 - 1,581
Fixed assets (353,949) (33,658) - (387,607)
Deposits 14,060 (14,060) - -
Subordinated loans (22,979) 22,979 - -
Other liabilities 11,492 (11,492) - -
Goodwill (604,589) (676,664) - (1,281,253)
Actuarial gains on
retirement
benefits (33,531) 6,896 (3,479) (30,114)
3,271,017 (418,421) 516,135 3,368,731
11.1 The Finance Act, 2009 has made significant amendments in the Seventh Schedule to the Income Tax Ordinance, 2001. Through
these
amendments, the deduction for provisions for advances and off balance sheet items will be allowed up to 1 percent of the total
advances.
Provisioning in excess of 1 percent would be allowed to be carried over to succeeding years. The amount of bad debts classified
as
substandard under Prudential Regulations issued by the State Bank of Pakistan would not be allowed as an expense. The amendments
are applicable for financial year ended 31 December
2009.
Pakistan Bank Association (PBA) vide its’ letter dated 17 November 2009 has also suggested the Federal Board of Revenue (FBR) to restore
the original provision of the Seventh Schedule, whereby entire provision for bad debts created as per the requirements of
Prudential
Regulations issued by the State Bank of Pakistan were allowed as a deduction, except provision for bad debts created in case of
substandard
category. PBA, as a matter of interim measure, has suggested FBR to increase the threshold of 1 percent to 5 percent in case of
consumer
loans and advances to SMEs, and 2 percent in case of all other advances for the time being, in view of the Government's current
fiscal
considerations.
The management has carried out an exercise at year end and concluded that they would be able to get deduction of provision in
excess
of 1 percent of total advances, and accordingly have recognized a deferred tax asset on such provision amounting to Rs. 2,114
million.

The amendments introduced in the Seventh Schedule do not provide for any transitional mechanism i.e. how and when the provision
for
bad debts disallowed up to 31 December 2008 would be allowed as a deduction. FBR vide its letter dated 23 December 2009
informed
ICAP regarding its decision to insert transitional provisions in the Seventh Schedule, however, till date no formal amendments have
been
made. The Institute of Chartered Accountants of Pakistan (ICAP) and PBA have been following up the matter with FBR. However, pending
the final resolution of the matter, ICAP also issued Circular No. 1/2010 dated 13 January 2010 informing its’ members that the process of
amending the Schedule requires a due process at the FBR, and therefore ICAP considers that the process has already commenced
and
the reasonable indications exist that the rule would be amended in due
course.
Accordingly, the deferred tax asset recognized through 31 December 2008 relating to provisions for advances and off balance sheet
items
amounting to Rs. 4,240 million has been carried forward.
Note 2009 2008

12. OTHER ASSETS
(Rupees in '000)
Income / mark-up accrued in local currency 5,696,769 5,166,262
Income / mark-up accrued in foreign currencies 340,485 193,985
Advances, deposits, advance rent and other prepayments 797,942 1,223,840
Receivable from defined contribution plans 109,557 -
Advance taxation (payments less provisions) 2,482,354 369,810
Branch adjustment account 302,169 95,981
Unrealized gain on forward foreign exchange contracts 240,051 1,038,660
Interest rate derivatives and currency option - positive fair value 2,868,180 6,212,144
Receivable from SBP / Government of Pakistan 192,475 410,193
Receivable from associated undertakings 48,283 55,787
Receivable from Standard Chartered Bank, Sri Lanka operations 84,601 162,210
Non-banking assets acquired in satisfaction of claims 107,303 107,303
Tax compensation under section 102 of the Income Tax Ordinance 160,653 160,653
Unsettled trades 40,247 104,490
Others 519,319 483,606
22,445,341 19,493,726
Provision against other assets 12.1 (215,051) (130,021)
22,230,290 19,363,705
12.1 Provision against other assets

Charge for the year 69,469 -
Reversal for the year (12,857) (2,617)
Other movements 28,418 -


Note 2009 2008

13. BILLS PAYABLE
(Rupees in '000)
In Pakistan 4,700,431 4,161,727
4,844,638 4,296,420
14. BORROWINGS FROM FINANCIAL
INSTITUTIONS
In Pakistan 15,811,132 8,762,755
15,847,326 8,791,594
14.1 Particulars of borrowings with respect to currencies

In foreign currencies 36,194 28,839
15,847,326 8,791,594
14.2 Details of borrowings secured / unsecured
Secured
Borrowings from State Bank of Pakistan
under Export Refinance (ERF) scheme 14.2.1 9,337,309 5,996,980
Repurchase agreement borrowings (Repo) 14.2.2 4,778,239 -
Term finance - 95,864
Murhabaha finance 14.2.3 100,000 -
State Bank of Pakistan - LTFF 493,298 219,667
State Bank of Pakistan - LTF - Export Oriented Projects 14.2.6 146,879 239,092
14,855,725 6,551,603
Unsecured
Call borrowings 950,000 2,200,000
Overdrawn nostro accounts 14.2.7 41,601 39,991
15,847,326 8,791,594
14.2.1 Mark-up on Export Refinance (ERF) from State Bank of Pakistan is charged at 6.5 percent to 7 percent (2008: 6.5
percent) per annum, and also includes Islamic Export Refinance scheme amounting to Rs. 114.300 million (2008:
NIL). These loans are secured against demand promissory notes executed by the Bank in favour of State
Bank of Pakistan.
14.2.2 Repurchase agreement borrowings carry mark-up at rates ranging from 11.9 percent to 12.3 percent (2008: NIL
percent per annum).
14.2.3 Standard Chartered Modaraba has availed murabaha finance from Bank Islami Limited and Meezan Bank Limited.
The rate of profit on these facilities ranges from Rs. 0.3575 to Rs. 0.3704 per rupees one thousand per day. These
facilities are secured against hypothecation over moveable leased assets of the Modaraba.

14.2.4 Securities held as collateral against borrowings from financial institutions
2009 2008
(Rupees in '000)
Market Treasury Bills - 4,778,239 4,778,239 - --
14.2.5 The market value of securities held as collateral against borrowings from financial institutions amounted to
Rs. 4,783.696 million (2008:Nil).
14.2.6 Mark-up on Long Term Finance for Export Oriented Projects (EOP) from State Bank of Pakistan is charged at rates
ranging from 7 percent to 7.25 percent (2008: 4 percent to 7 percent) per annum. These loans are secured against
promissory notes executed by the Bank in favour of State Bank of Pakistan.
14.2.7 These include overdrawn nostro accounts with branches of Standard Chartered Bank PLC, UK outside Pakistan
amounting to Rs. 36.075 million (2008: Rs. 28.590 million).
15. DEPOSITS AND OTHER ACCOUNTS Note 2009 2008

(Rupees in '000)
Customers
- Fixed deposits 58,401,746 51,228,362
- Savings deposits 79,270,851 61,960,411
- Current accounts - Non-remunerative 67,462,191 59,467,403
- Margin accounts 753,904 1,156,891
- Special exporters' account 240,396 157,004
206,129,088 173,970,071
Financial
Institutions
- Non-remunerative deposits 15.1 786,737 541,337
206,915,825 174,511,408
15.1 This includes Rs. 334.559 million (2008: Rs. 108.826 million) for balances of branches of Standard Chartered Bank
PLC, UK operating outside Pakistan.
2009 2008
15.2 Particulars of deposits
(Rupees in '000)

206,915,825 174,511,408
16. SUB-ORDINATED LOANS
Term Finance Certificates issued 16.1 1,523,000 1,710,300
16.1 The Bank has issued subordinated Term Finance Certificates in three issues. The first issue of Rs 750 million was
fully repaid during FY 2008. The outstanding second and third issues of Rs 750 million and Rs 1,000 million respectively
are unsecured and are subordinated to the depositors and other creditors of the bank, and carry the following terms:


Second Issue Third Issue
Year of Issue 2003 2005

Rating AAA AAA
Rate 0.75% above the 2.00% above the
cut-off yield of last six months Karachi
successful auction Inter-Bank Offered
of five years PIB Rate ("KIBOR")
prevailing one
working day prior
to the beginning of
each semi annual
period
Floor 5% -
Ceiling 10.75% -
Repayment 7 years 7 years
Note 2009 2008

17. OTHER LIABILITIES
(Rupees in '000)
Mark-up / return / interest payable in local
currency 3,191,582 2,798,236
Mark-up / return / interest payable in foreign
currencies 11,682 60,337
Musharika and accrued profit thereon 17.1 64,787 74,993
Certificates of Musharika 17.2 1,891,785 460,467
Accrued expenses 1,605,643 1,428,899
Advance payments 84,556 152,051
Sundry creditors 717,845 555,433
Unrealized loss on forward foreign exchange
contracts 326,019 1,102,711
Unrealized loss on interest rate derivatives and
currency options 10,174,486 12,288,361
Provision against cross currency swaps - 296,219
Payable to defined contribution plans - 10,304
Due to Holding Company 17.3 10,614,728 6,864,604
Unclaimed balances 16,957 16,409
Provision against off balance sheet obligations 17.4 86,518 76,762
Worker's Welfare Fund (WWF) payable 132,876 25,000
Short sell - Treasury Bills / Pakistan
Investment Bonds 86,864 -
Security Deposits 751,176 792,363
Certificate of Investment 785,008 559,238
Unsettled trades - 2,731,965
Others 799,299 648,248
39,779,024 34,616,164
17.1 The estimated share of profit payable on participatory and unsecured Musharika facilities ranges from 10.75% to 12%
per annum and are due to mature by June 2010.
17.2 The estimated share of profit payable on participatory and unsecured Certificates of Musharika ranges from 10% to
15% per annum and are due to mature by May 2014.

17.3 Due to Holding Company 2009 2008

(Rupees in '000)
On account of reimbursement of executive
and general administrative expenses 10,156,091 6,678,876
Others 458,637 185,728
10,614,728 6,864,604
17.4 Provision against off-balance sheet obligations

Charge / (reversal) for the year 19,976 (116,733)
Other movements (10,220) -
18. SHARE CAPITAL
18.1 Authorized
2009 2008
(Number of Shares)
4,000,000,000 4,000,000,000 Ordinary shares of Rs.10 each 40,000,000 40,000,000

18.2 Issued, subscribed and paid-
up
2,939,785,018 2,939,785,018 Ordinary shares of Rs. 10 each
Fully paid in cash 29,397,850 29,397,850
931,800,003 931,800,003 Issued in terms of scheme of

amalgamation 18.3 9,318,000 9,318,000
3,871,585,021 3,871,585,021 38,715,850 38,715,850
18.3 These represent 892,554,151 shares of Rs 10 each issued and allotted at par to Standard Chartered Bank, United
Kingdom against transfer of entire undertaking of SCB Branch Business by SCB to the Bank, and 39,245,852 shares
issued and allotted at par credited as fully paid up to persons who were registered shareholders of Union Bank. These
shares have been issued in accordance with the scheme of amalgamation duly approved by State Bank of Pakistan
on 4 December 2006.
18.4 At 31 December 2009, Standard Chartered Bank , United Kingdom, held 98.99% shares of the Bank.
2009 2008
19. RESERVES Note
(Rupees in '000)
Share premium 19.1 1,036,090 1,036,090
Statutory reserve 19.2 1,016,257 868,594
2,052,347 1,904,684
19.1 This represents excess of fair value of the shares over par value of shares issued to registered shareholders of Union
Bank in terms of the amalgamation scheme.
19.2 In accordance with the Banking Companies Ordinance, 1962, the Bank is required to transfer twenty percent of its
profit of each year to a reserve fund until the amount in such fund equals the paid-up capital of the Bank.


20. SURPLUS / (DEFICIT) ON REVALUATION OF ASSETS - NET OF 2009 2008

TAX Note (Rupees in '000)
Surplus / (deficit) arising on revaluation
of:
Fixed assets 20.1 3,558,566 -
Available for Sale securities 20.2 (478,165) (1,252,980)
3,080,401 (1,252,980)
20.1 Surplus on revaluation of fixed assets
Surplus on revaluation of land and buildings on freehold land recorded
during the year 3,599,739 -
Deferred tax liability on revaluation of land and buildings on freehold land (41,173) -
3,558,566 -
20.2 Surplus / (deficit) on revaluation of Avaiable for Sale securities

Pakistan Investment Bonds (805,149) (1,943,776)
Listed shares 116 61
(735,701) (1,927,695)
Related deferred tax asset 257,536 674,715
(478,165) (1,252,980)
21. CONTINGENCIES AND
COMMITMENTS
21.1 Transaction-related contingent liabilities
Guarantees issued favouring:

- Government 34,059,679 25,540,102
- Others 13,209,874 9,800,921
21.2 Trade-related contingent liabilities

Letters of credit 20,169,332 13,911,460
21.3 Other contingencies
Claims against the Bank not acknowledged as debt 21.3.1 12,045,661 5,488,481
21.3.1 This includes claims for penal interest and additional surcharge amounting to Rs. 128.345 million (2008: 112.180
million) claimed by Customs authorities in respect of certain bank guarantees issued on behalf of a customer in favour
of Collector of Customs, Government of Pakistan. The guarantees remaining outstanding against the said customer
at 31 December 2009 amount to Rs. 80.827 million (2008: 80.827 million).
The bank has referred the claims to Alternate Dispute Resolution (ADR) Committee, where it is yet to come up for a
hearing.
The bank considers that the above amounts are not payable and if it is required to settle the claims, it would be able
to recover them from the customer.

21.4 Commitments in respect of forward foreign exchange contracts

2009 2008
Purchase (Rupees in '000)
State Bank of Pakistan 16,284,600 11,142,750
Other banks 26,262,941 28,183,357
Customers 3,067,658 3,367,331
Sale
State Bank of Pakistan 842,000 -
Other banks 23,597,145 21,355,404
Customers 1,108,140 3,147,982
The maturities of the above contracts are spread over a period of one year.
21.5 Commitments to extend credit
The Group makes commitments to extend credit in the normal course of its business but these being revocable
commitments do not attract any significant penalty or expense if the facility is unilaterally withdrawn.
21.6 Commitments in respect of operating leases
Not later than one year 2,369 8,982

Later than one year and not later than five years - 320
21.7 Derivative instruments
21.7.1 Product analysis 2009

Interest Rate Swaps FX Options
No. of Notional No. of Notional
Counterparties
Contracts Principal Contracts Principal*
Rupees in '000 Rupees in '000
With Banks for
Hedging - - - -
Market Making 52 64,985,955 208 3,931,538
With FIs other than

banks Hedging - - - -
Market Making 3 2,700,000 - -
With other entities for

Hedging - - - -
Market Making 65 77,808,804 208 3,931,538
Total
Hedging - - - -
Market Making 120 145,494,759 416 7,863,076
2008 Total Market Making 147 292,012,336 40 16,215,220
* At the exchange rate prevailing at the end of the reporting period
Contracts with banks represent contracts entered with branches of Standard Chartered Bank, UK to obtain cover against
the contracts with customers, except for 18 contracts having notional principal of Rs 26,133 million with local banks.


21.7.2 Maturity analysis

Interest Rate Swaps
Mark to Market
Remaining No. of Notional Negative Positive Net
Maturity Contracts Principal
---------------------- Rupees in '000 ----------------------- ---
Upto 1 month 4 1,385,822 (146,736)
129,589 (117,147)
to 3 months 3 158,634 (2,199)
-
3 to 6 months 1(2,199) 600,000
6(457)
months 4to 1 year(453) 27 8,636,049 (57,257)
165,411
1 to 2 years 108,154
20 4,822,567 (24,663)
2270,571
to 3 years 245,90829,264,617
17 (4,359,892) 394,735
(3,965,157)
3 to 5 years 47 74,564,470 (5,115,897) 1,524,202
(3,591,695)
5 to 10 years 11 26,062,600 (242,614)
382,81410 years -140,200 -
Above
- - -
22. MARK-UP / RETURN / INTEREST 2009 2008
EARNED (Rupees in '000)
On loans and advances to customers 19,266,256 18,084,761
On loans and advances to financial institutions 141,004 357,874
On investments in: i) Held for trading securities 34,734 119
ii) Available for sale securities 7,135,299 3,515,004
On deposits with financial institutions / State Bank of Pakistan 34 64,382
On securities purchased under resale agreements 664,611 1,515,931
On call money lending 323 129,270
27,242,261 23,667,341
23. MARK-UP / RETURN / INTEREST

EXPENSED
Deposits 9,150,689 5,763,644
Securities sold under repurchase agreements 470,940 238,958
Call borrowings 24,329 337,438
Borrowings from State Bank of Pakistan under
Export Refinance (ERF) scheme 500,938 252,010
Profit on redeemable capital, musharika and murabaha 193,030 102,402
Term Finance Certificates (sub-ordinated loans) 224,938 308,062
Others 160,787 60,243
10,725,651 7,062,757
24. GAIN / (LOSS) ON SALE OF
SECURITIES
Pakistan Investment Bonds 32,964 (337,604)
467,339 (327,806)
Equity (2,971) (10,022)
Securities 464,368 (337,828)
25. OTHER INCOME
Rent on property 3,339 6,098

Gain on disposal of fixed assets 5,174 14,405
Income on interest rate derivatives and others 325,037 1,073,586
333,550 1,094,089

Note 2009 2008

26. ADMINISTRATIVE
EXPENSES (Rupees in '000)
Salaries, allowances, etc. 3,974,901 3,869,160
(Income) / charge for defined benefit plans (2,619) 30,328
Contributions to defined contribution plans 131,350 239,092
Rent, taxes, insurance, electricity, etc. 872,539 859,923
Legal and professional charges 122,769 94,255
Communications 504,544 611,710
Repairs and maintenance 629,448 910,986
Rentals against hire / operating lease arrangements 28,211 29,845
Stationery and printing 171,785 203,107
Advertisement and publicity 216,792 186,192
Donations 26.1 22,341 25,975
Auditors' remuneration 26.2 18,845 17,198
Traveling, conveyance and vehicles' running 95,015 147,068
Others 945,535 483,913
12,366,096 12,532,082
26.1 Details of the donations given in excess of Rs. 100,000 are given below:
Donee
Institute of Business Administration (IBA) 13,000 -
The Citizen Foundation 3,350 15,137
Care Foundation 1,774 3,500
Rizwan Scholars 1,500 1,250
Behbud Association 600 1,200
Pakistan Institute of Corporate Governance 500 -
Jinnah Society 500 -
NAPA Repertory Theatre Company 400 -
The English Speaking Union of Pakistan 200 -
Aga Khan Foundation 200 -
Network of organizations working for people with disabilities Pakistan 100 -
The Kidney Center - 1,500
K. Rauf Associates - 529
Lahore University of Management Sciences - 500
Shaheed Zulfiqar Ali Bhutto Institute of Sciences & Technology - 500
City Institute of Image Management - 250
Rotary Club of Karachi Charitable Trust - 250
Athletics Federation of Pakistan - 219
Corps Horticulture Committee - 200
Sampurna - 200
Federal Government School - 134
Constellation Plus (Private) Limited - 100
The Kaghan Memorial Trust - 100
26.2 Auditors' remuneration
Audit fee 16,639 14,861

Fee for audit of pension, gratuity and provident funds 358 200
Special certifications and others 630 835
Taxation services 525 285
Out-of-pocket expenses 693 1,017
18,845 17,198


27. OTHER CHARGES Note 2009 2008

(Rupees in '000)
Loss on sale of Srilanka branch operations 27.1 77,610 -
(Reversal) / charge against fine and penalties imposed by SBP (52,823) 131,202
Worker's Welfare Fund 107,873 25,000
132,660 156,202
27.1 Consequent to Sale and Purchase Agreement (SPA) signed between Standard Chartered Bank, Sri Lanka (SCBSL)
and Standard Chartered Bank (Pakistan) Limited (SCBPL), the Sri Lanka branch operations of SCBPL were amalgamated
with SCBSL with effect from close of business on 10 October 2008. A closing audit of the branch was carried out at 10
October 2008, which identified additional losses (net of recoveries and other items recorded subsequent to 10 October
2008) of Rs. 77.610 million. According to the terms of SPA, ‘unproductive debts’, ‘staff of SCBPL who are not retained by
the purchaser’, 'their corresponding housing loans’ and ‘assets arising from litigation which cannot be assigned’ are held
in trust with SCBSL. In case any recoveries are made or costs are incurred in respect of assets held in trust, these would
be passed on to SCBPL.
28. TAXATION 2009 2008

For the year (Rupees in '000)
- Current 1,814,033 3,024
- Deferred (1,385,905) 418,421
428,128 421,445
For prior years
- Current 99,829 (2,573)
- Deferred 74,323 -
174,152 (2,573)
602,280 418,872
28.1 Relationship between tax expense and accounting profit

Tax at the applicable tax rate of 35% (2008:35%) 489,474 383,875
Expenses that are not deductible in determining taxable income (18,488) 55,013
Income that are not taxable in determining taxable income (11,521) -
Prior year provision 174,152 (2,573)
Others (31,337) (17,443)
602,280 418,872
28.2 Standard Chartered Bank (Pakistan)
Limited
The return for the income year 2009 (tax year 2010) is due for filing by September 30, 2010.
The department has amended the return filed for tax year 2009 under section 122 (5A) of the Income Tax Ordinance,
2001 on 31 December 2009, raising a demand of Rs. 2,233 million. The management is in the process of filing an
appeal against the disallowances, and considers that the additional liability is the result of timing differences and no
additional provision is required.
The department has further amended the return filed for tax year 2008 under section 122 (5A) of the Income Tax
Ordinance, 2001 on 31 December 2009 raising an additional demand of Rs. 893 million. The Bank is in the process
of filing an appeal against the additional demand.
Previously, the department has amended the return filed for the same year under section 122 (5A) of the Income Tax
Ordinance, 2001 on 30 January 2009 raising an additional demand of Rs.1,150 million. The management has already
filed an appeal against the disallowances.
Management also considers that the additional liability is the result of timing differences and no additional provision
is required.

28.3 Standard Chartered Bank – Branch Operations
The income tax assessments of SCB Pakistan branches have been finalized up to and including tax year 2006. Bank’s
/ departmental appeals for the assessment / tax years 1976-77 to 2006 are pending before different appellate levels.
Management expects favorable decision in the pending appeals .
The department has amended the return filed for the year 2006 (tax year 2007) under section 122 (5A) of the Income
Tax Ordinance, 2001 on 29 October 2009 raising a demand of Rs. 570 million. The management has filed an appeal
against the disallowances, and considers that the additional liability is the result of timing differences and no additional
provision is required.
28.4 Union Bank Limited
Union Bank's tax assessments for the assessment years 1993-94 through tax year 2007 are under various stages
of appeal against certain disallowances.
The department has amended the return filed for the year 2003 (Tax year 2004) under section 122 (5A) of the Income
Tax Ordinance, 2001 on 28 September 2009 raising a demand of Rs. 771 million. The management has filed an
appeal against the disallowances.
The department has also amended the return filed for the year 2006 (tax year 2007) under section 122 (5A) of the
Income Tax Ordinance, 2001 on 29 October 2009 raising a demand of Rs. 762 million. The management has filed
an appeal against the disallowances.
The management has booked a prior year provision of Rs. 174 million in FY 2009, and considers that the remaining
demand was arbitrary and / or as a result of timing differences. Accordingly, the management believes that no further
provision is required.
In case of the assessments for 2005 and 2006, an additional demand of Rs. 1,347 million has been raised, which
has been reversed by a favorable decision by the Commissioner of Income Tax (Appeals). The tax department is in
appeal before the Tribunal.
2009 2008
29. EARNINGS PER SHARE - BASIC AND DILUTED
(Rupees in '000)
Profit for the year attributable to equity holders of the Bank 738,313 602,392
Weighted average number of ordinary shares in issue during the year 3,871,585,0213,871,585,021
(Rupees)
Earnings per share - basic and diluted 0.19 0.16
30. CASH AND CASH EQUIVALENTS 2009 2008

(Rupees in '000)
Cash and balances with treasury banks 21,521,592 22,741,119
Balances with other banks 2,305,891 1,261,582
23,827,483 24,002,701
31. STAFF STRENGTH (Number)
Permanent 3,007 3,316

Temporary / on contractual basis/ direct contracts 330
Bank's own staff at the end of the year 3,010 3,346
Outsourced 2,101 3,031
Total Staff Strength 5,111 6,377


32. DEFINED BENEFIT PLANS
32.1 General description
Non Management Staff Pension Fund
The plan provides a pension calculated at 50% of the average pensionable salary after completing 30 years of service. The employees of the bank
are
entitled to either pension or gratuity, but not both. However, the employees of ANZ Grindlays Bank transferred to the bank are entitled to both
pension
and gratuity and the minimum number of years required for entitlement of pension is 25 years for these employees. Pension is calculated as
1/120
times the last drawn merged salary for each year of
service.
Non Management Staff Gratuity Fund
The plan provides a lump sum gratuity calculated at one month's salary for each completed year of service (maximum 39 months) after completing
5years of service. For the employees of ex-ANZ Grindlays Bank, the plan provides a lump sum calculated at 50% of last drawn merged salary for
each
completed year of service (maximum 36 months) after completing 5 years of service. However, if the employee is not entitled for pension, the
percentage
is increased to 100%. The employees of SCB are entitled to either pension or gratuity, but not
both.
Management Staff Pension Fund
The plan is closed to active employees. The entire liability is in respect of existing
pensioners.
32.2 Principal Actuarial Assumptions
The last actuarial valuation of the scheme was carried out on 31 December 2009 and the key assumptions used for actuarial valuation were as
follows:
2009 2008
Discount rate 12.5% p.a. 14% p.a.
Expected rate of increase in salary in future 12.5% p.a. 11% p.a.
years
Expected rate of return on plan assets 12.5% p.a. 14% p.a.
Expected long term rate of increase in 6.5% p.a. 8% p.a.
pension rate
Mortality LIC (1975-79) ultimate mortality LIC (1975-79) ultimate
table rated down one year mortality
Withdrawal rate Light tableLight
S CB N on Man ag e men t S CB No n M an ag em en t S CB M an ag em en t Un io n Ba nk Tota l

Pen si on Fu nd Gr atu it y F un d Pe ns io n F un d Gr atu ity F un d
2 009 2 008 20 09 20 08 20 09 200 8 2 008 * 2 009 2 008
( Ru pe es i n ' 000 )
32. 3 Re conci lia ti on of paya ble / ( r ecei vabl e)

to /f r om de fi ned b ene fi t pl an
Pr es ent v alue of d efined b enefit obligat ions 58 ,6 9950, 29 6 35, 57 422 ,7 85 42, 66 7 39 ,2 45 - 136 ,9 401 12 ,3 26
Fair v alue of plan as s et s ( 72, 88 8) (72 ,6 94) (3 4, 931 ) (2 8, 942 ) ( 46, 86 1) (47 ,2 16) - ( 154 ,6 80) ( 148 ,8 52)
As s et r ecog nis ed in Balanc e S heet ( 14, 18 9) (22 ,3 98) 64 3( 6, 157 ) ( 4, 19 4) (7 ,9 71) - ( 17 ,7 40) ( 36 ,5 26)
32. 4 M ove m ent in de fi ned b ene fi t ob lig at ion
Oblig ation as at 1 J anuar y 50 ,2 9656, 12 4 22, 78 520 ,4 59 39, 24 544 ,2 82 12 3, 083 112 ,3 262 43 ,9 48
Cur ren t s erv ice cos t 2 1919 0 96 87 99 -- - 1 ,1 879 89
Inter es t co s t 6 ,6 545, 31 1 3, 16 22 ,0 68 5, 10 64 ,1 16 - 14 ,9 221 1, 4 95
Be nefit s p aid ( 6, 15 7) (5 ,9 65) -- ( 6, 17 1) (5 ,6 48) - ( 12 ,3 28) ( 11 ,6 13)
Cur tailm ent s and s et t leme nts -- -- -- (12 3, 083 ) - ( 123 ,0 83)
Act uar ial ( gain) / los s on obligat ion 7 ,6 87(5 ,3 64) 8, 65 9( 541 ) 4, 48 7(3 ,5 05) - 20 ,8 33 (9 ,4 10)
Oblig ation as at 31 Dec emb er 58 ,6 9950, 29 6 35, 57 422 ,7 85 42, 66 739 ,2 45 - 136 ,9 401 12 ,3 26
32. 5 M ove m ent in f air val ue of pla n asset s
Fair v alue as at 1 J anu ary 72 ,6 9470, 44 1 28, 94 223 ,9 84 47, 21 685 ,5 97 15 3, 161 148 ,8 523 33 ,1 83
Ex pect ed r etur n on plan as s ets 9 ,5 996, 67 4 4, 02 42 ,4 04 5, 10 64 ,1 16 - 18 ,7 291 3, 1 94
Cont rib utio n b y t he bank -- - - - (33 ,2 80) - - ( 33 ,2 80)
Be nefit s p aid ( 6, 15 7) (5 ,9 65) -- ( 6, 17 1) (5 ,6 48) - ( 12 ,3 28) ( 11 ,6 13)
Cur tailm ent s and s et t leme nts -- -- -- (15 3, 161 ) -( 153 ,1 61)
Act uar ial g ain / (lo s s) on plan as se ts ( 3, 24 8) 1, 54 4 1, 96 52 ,5 54 71 0(3 ,5 69) - ( 5 73) 5 29
Fair v alue as at 3 1 Decem ber 72 ,8 8872, 69 4 34, 93 128 ,9 42 46, 86 147 ,2 16 - 154 ,6 801 4 8, 8 52
32. 6 M ove m ent in ( r ece ivab le) / p ayab le f r om

/ t o def in ed be nef it
Balan ce as at 1 J anuar y ( 22, 39 8) (14 ,3 17) ( 6, 157 ) ( 3, 525 ) ( 7, 97 1) (41 ,3 15) (3 0, 078 ) ( 36 ,5 26) ( 89 ,2 35)
Char ge for the y ear ( 2, 72 6) (1 ,1 73) 10 64 63 -- - ( 2 ,6 20) (7 10)
Cont rib utio n t o th e f und dur ing t he year -- -- - 33 ,2 80 - - 3 3, 2 80
Cur tailm ent s and s et t leme nts -- - - -- 3 0, 078 -3 0, 0 78
Act uar ial ( gain) / los s on plan as se ts 10 ,9 35 (6 ,9 08) 6, 69 4( 3, 095 ) 3, 77 7 64 - 21 ,4 06(9 ,9 39)
Balan ce as at 3 1 Decem ber ( 14, 18 9) (22 ,3 98) 64 3( 6, 157 ) ( 4, 19 4) (7 ,9 71) - ( 17 ,7 40) ( 36 ,5 26)

S CB N on Man ag e men t S CB No n M an ag em en t S CB M an ag em en t Un io n Ba nk Tota l

Pen si on Fu nd Gr atu ity F un d Pe ns io n F un d Gr atu ity F un d
2 009 2 008 20 09 20 08 200 9 200 8 2 008 * 2 009 2 008
( Ru pe es i n ' 000 )
32. 7 Ch arg e f o r de f in ed be ne f it p la n
Cur rent s erv ice cos t 21 919 0 96 87 99 -- - 1 ,1 879 89

Inter es t co s t 6, 65 45, 31 1 3, 16 22 ,0 68 5, 10 64, 11 6 - 14 ,9 22 1 1, 4 95
Ex pect ed r etur n on plan as s ets ( 9, 59 9) (6 ,6 74) ( 4, 024 ) ( 2, 404 ) ( 5, 10 6) (4 ,1 16) - ( 18 ,7 29) ( 13 ,1 94)
Cur tailm ent s and s et t leme nts -- - - -- 3 0, 078 - 3 0, 0 78
( 2, 72 6) (1 ,1 73) 10 6 4 63 -- 3 0, 078 ( 2 ,6 20) 2 9, 3 68
32. 8 Actu al r etu rn o n p l an a sse ts
- E xp ect ed ret ur n on plan as se ts 9, 59 9 6, 67 4 4, 02 42 ,4 04 5, 10 6 4, 11 6 - 18 ,7 291 3, 1 94

- A ct uarial gain / (los s ) o n p lan as s et s ( 3, 24 8) 1, 54 4 1, 96 52 ,5 54 71 0(3 ,5 69) - ( 5 73) 5 29
6, 35 1 8, 21 8 5, 98 94 ,9 58 5, 81 6 54 7 - 18 ,1 561 3, 7 23
32. 9 Cu mu la tive a mo u nt o f a ctu ar ia l ga in s

/ ( lo sse s) r eco g ni se d in stat eme nt o f
re co gn is ed i n co me a nd exp en se 29, 15 340, 08 8 ( 4, 249 ) 2 ,4 45 39, 73 043, 50 7 - 64 ,6 348 6, 0 40
32. 10 Ex pe cte d c on tri bu ti on s f or n ex t y ear - - --
32. 11 Co mp on en ts o f p l an a sse ts as a p erc en tag e

of to tal p l an a sse ts
Bo nds 76 % 9 7% 109 % 1 21% 92 % 5 4% 0 %
Cas h an d net cur r ent as s ets 24 % 3% 24 % 19% 8% 4 7% 0 %
Ot hers 0% 0% - 33 % -40% 0% -1% 0 %
*Un io n Ba nk G rat u it y Fu nd ha s be en merg ed wi t h an d in t o SC B M an ag eme nt St af f Gra t ui t y F un d ( De f ine d C on t rib u ti on P lan ) e f fe ct i ve 1 Ja nu ary 2 00 8 .
2009 2008 2007 2006 2005

--------- ------------------------------------(Rupees in '000)-------------------------------------------
32.12 Five year data on surplus/ (deficit) of the plans and experience adjusments
Present value of defined benefit 136,940 112,326 243,948 278,940 263,831

obligation
Fair value of plan assets 154,680 148,852 333,183 494,838 484,956
Surplus 17,740 36,526 89,235 215,898 221,125
plan
liabilities - loss / (7,621) (7,620) (26,188) (6,675) (10,023)
(gain)
plan
assets - loss / (gain) 3,566 (3,027) (22,440) 7,094 14,574
33. SHARE BASED PAYMENTS
The Bank's employees participate in the following share compensation plans for the acquisition of shares in the ultimate holding company, Standard
Chartered
Plc. The market value of shares is denominated in pounds sterling at the time of
grant.
i) International Sharesave Scheme
The International Sharesave Scheme was first launched in 1996 and made available to all employees of the Bank. Employees have the choice of
opening
a three-year or a five-year savings contract. Within a period of six months after the third or fifth anniversary, employees may exercise the awards
and
receive any benefit in cash; alternatively, the employee may elect to have the savings, plus interest, repaid in cash. The price at which they may
purchase
shares is at a discount of up to 20 percent on the share price at the date of the invitation. There are no performance conditions attached to options
granted.
The options granted do not confer any right to participate in any share issue of any other
company.


We i g h te d Weighted
av e ra g e average
2 00 9 e x er ci s e p r ic e 2008 exercise price
Nu m b e r ( ' 0 00 ) £ p e r s h ar e Number ('000) £ per share
At 1 January 119 9.92 78 11.07

Granted during the year 22 11.46 30 11.62
Exercised during the year (23) 8.93 (3) 7.43
Lapsed during the year (6) 9.78 (1) 10.35
Adjusment due to right issue - - 15 -
At 31 December 112 10.44 119 9.92
£17.71).
2009 2 008
Wei ght ed av erage rem ai ning l if e We ighte d aver age r em aining life
We ig h ted
av era ge No . o f E xp ec ted Co n tra ctu al W eight ed aver age No. of opt ions Ex pe cted C ont ract ual
Ra ng e o f e xer ci se p ric e e xe rci se p ri ce op ti on s yea rs ye ars exer cis e pr ice y ear s y ear s
£6.5/£11.46 9.31 112 3.33/5.33 2.16 9.92 119 3.33/5.33 2.42
The intrinsic value of vested International Sharesave cash-settled awards as at 31 December 2009 was 17,601 thousand (2008: Rs 115 thousand).
ii) Restricted Share Scheme

The Restricted Share Scheme is a discretionary share incentive scheme for high performing and high potential staff at any level of the organisation whom
the
Group wishes to motivate and retain. Except upon appointment when an executive director may be granted an award of restricted shares, the Restricted
Share
Scheme is not applicable to the Group's executive directors, as it has no performance conditions attached to it. Fifty per cent of the award vests two
years
after the date of the grant and the remainder after three years. The awards granted under this scheme are nil cost options with any benefit payable in
cash.
The options granted do not confer any right to participate in any share issue of any other
company.
av e ra g e average
Nu m b e r ( ' 0 00 ) £ p e r s h ar e Number ('000) £ per share
At 1 January 85 - 70 -
Granted during the year 34 - 31 -
Exercised during the year (13) - (14) -
Lapsed during the year (7) - (13) -
Adjusment due to right issue - 11 -
£16.02).
2009 2 008
Wei ght ed av erage rem ai ning l if e We ighte d aver age r em aining life
We ig h ted
av era ge No . o f E xp ec ted Co n tra ctu al W eight ed aver age No. of opt ions Ex pe cted C ont ract ual
Ra ng e o f e xer ci se p ric e e xe rci se p ri ce op ti on s yea rs ye ars exer cis e pr ice y ear s y ear s
N/A - 99 7 5.04 - 85 7 5.05
The intrinsic value of vested Restricted Share Scheme cash-settled awards as at 31 December 2009 was Rs 49,002 thousand (2008 : Rs.15,486
thousand).
iii) Supplementary Restricted Share Scheme
The Group operates a Supplementary Restriced Share Scheme which can be used to defer part of an employee's annual bonus in shares. The an is principally
pl for employees in the global markets area and is similar to the RSS outlined above for three important factors: executive directors are specifically
used
prohibited
from the plan; no new shares can be issued to satisfy awards; and there is no individual annual
limit.

2009 2008
Weig ht ed ave rage rem aini ng li fe Weigh ted av er age rem aining lif e
Wei g hte d
R an ge of ex erc ise pr ic e ex erc is e pr ic e o p tio ns ye ars yea rs ex er cis e p ri ce y ears ye ars
N/A
- 5 7
5.42 - 5
There are no vested cash settled awards as at 31 December 2009 (2008: Nil).
7 6.42
iv) Executive Share Option Scheme (closed)
The Executive Share Option Scheme is an intrinsic part of the Group's executive directors' and senior managers' total remuneration. An EPS
performance
criterion needs to be met before the options can be exercised. Executive share options are exercisable after the third, but before the tenth anniversary
of
the date of grant with any benefit payable in cash. The exercise price is based on the the share price at the date of grant and options can normally only
be
exercised if a performance condition is satisfied. The options granted do not confer any right to participate in any share issue of any other
company.
av er a g e average
Nu m b e r ( ' 00 0 ) £ p e r s ha r e Number ('000) £ per share
At 1 January 1 8.19 1 9.36

Granted during the year - - - -
Exercised during the year - - - -
Lapsed during the year - - - -
At 31 December 1 8.19 1 8.19
2009 2008
Weig ht ed ave rage rem aini ng li fe Weigh ted av er age rem aining lif e
Wei g hte d
R an ge of ex erc ise pr ic e ex erc is e pr ic e o p tio ns ye ars yea rs ex er cis e p ri ce y ears ye ars
£8.19
-
1 5
4.18 8.19
The
1 intrinsic value of 5vested Executive Share Option Scheme cash-settled awards as at 31 December 2009 was Rs 946 thousand (2008: Rs 115 thousand).
5.2
v) Performance Share Plan
The Performance Share Plan is designed as an intrinsic part of total remuneration for the Group's executive directors and for a small number of the
Group's
most senior executives. The awards granted under this scheme are nil cost options. Certain performance criteria need to be met before the options can
be
exercised.
The option granted do not confer any right to participate in any share issue of any other
company.
20 0 9 2008
Nu m b e r ( ' 00 0 ) Number ('000)
At 1 January 61 44
Granted during the year 27 24
Exercised during the year - (15)
Lapsed during the year (3) -
At 31 December 85 61


2009 2008
Weig ht ed av erage rem aini ng li fe Weigh ted av er age rem aining lif e
We ig hte d
ave rag e No. of Ex pe cte d Co nt rac tua l Weig hted av er age No . of op tio ns Ex pect ed Co ntr act ual
R an ge of ex erc ise pr ic e e xerc is e pr ic e o p tio ns ye ar s yea rs ex er cis e pr ice y ears ye ars
N/A - 85 - 8.01 - 61 - 8.41
The intrinsic value of vested Performance Share Plan cash-settled awards as at 31 December 2009 was Rs 31,169 thousand (2008: Rs Nil).
vi) The total expense recognised in respect of above schemes amounted to Rs. 171.79 on (2008: Rs.17.85 million) and is included in managerial
milli remuneration.
34. COMPENSATION OF CHIEF EXECUTIVE AND

EXECUTIVES
Note Chief Executive Directors Executives
2009 2008 2009 2008 2009 2008

------------------------------------(Rupees in '000)------------------------------------
Director's remuneration / fees 34.1 -- 3,225 3,250 --

Managerial remuneration 34.3 96,763 33,248 -- 1,644,310 984,284
Contribution to defined
contribution plan 2,986 2,986 -- 129,167 99,481
Rent and house maintenance 6,515 6,515 -- 30,205 220,035
Utilities - - -- 9,313 54,865
Medical 1,631 1,629 -- 6,723 5,814
Others 916 - -- 48,559 50,401
108,811 44,378 3,225 3,250 1,868,277 1,414,880
Number of persons 11 34 664 635
34.1 The director's remuneration / fees represents remuneration paid to the Bank's 3 non-executive directors (2008: 4) for
attending Board and Sub-Committee meetings.
34.2 The Chief Executive is entitled to Bank provided free use of furnished accommodation. The Chief Executive and some
of the executives are also provided with Bank maintained cars. In addition, the Chief Executive and some of the executives
are also reimbursed for cost of medical expenses and other benefits like club subscription, education etc.
34.3 Managerial remuneration also includes charge against share compensation plans.
35. FAIR VALUE OF FINANCIAL

INSTRUMENTS
On-balance sheet financial
instuments
Except for investment in unlisted companies, fixed term advances of over one year, staff loans and fixed term deposits
of over one year, the fair value of on balance sheet financial assets and liabilities are not significantly different from their
book value as these assets and liabilities are either short term in nature or are frequently re-priced. The fair value of fixed
term advances of over one year, staff loans, fixed term deposits of over one year and investment in equity of unlisted
companies cannot be calculated with sufficient reliability due to non-availability of relevant active market for similar assets
and liabilities. The fair value of investment classified as held to maturity amounted to Rs. 142.514 million (2008: Rs.
132.331 million).

36. SEGMENT DETAILS WITH RESPECT TO BUSINESS ACTIVITIES
Segment analysis with respect to business activity
Global Corporate and Consumer Total

Markets Institutional Banking
Banking
2009 (Rupees in '000)
Internal Income (6,025,316) (2,960,665) 8,985,981 -

Non mark-up / non interest expenses 1,278,358 3,314,628 8,001,364 12,594,350
Provision / (reversal) for diminution in the value of
investments - net (2,174) 10,000 1,066 8,892
Profit before taxation 3,573,179 (2,388,171) 213,488 1,398,496

Segment Assets (Gross) 145,660,097 131,791,932 57,565,724 335,017,753
Segment Non Performing Loans - 13,212,997 8,790,709 22,003,706
Segment Provision Required - 10,299,285 6,872,582 17,171,867
Segment Liabilities 27,939,477 84,946,237 156,024,099 268,909,813
Segment return on net assets (ROA) (%) * 2.45% (1.97)% 0.42% 0.44%
2008
Internal Income (2,414,595) (2,274,028) 4,688,623 -

Non mark-up / non interest expenses 674,296 2,267,664 9,786,405 12,728,365
Provision for diminution in the value of investments - net 3,308 - 6,811 10,119
Profit before taxation 4,508,762 (644,360) (2,722,422) 1,141,980

Segment Assets (Gross) 103,970,219 117,189,333 59,286,089 280,445,641
Segment Non Performing Loans - 10,532,611 6,623,895 17,156,506
Segment Provision Required - 7,424,858 4,985,212 12,410,070
Segment Liabilities 26,082,779 57,922,169 139,920,938 223,925,886
Segment return on net assets (ROA) (%) * 4.34% -0.59% -5.01% 0.43%
* Segment ROA = Net income / (Segment Assets - Segment Provisions)
** Segment cost of funds have been computed based on the average balances.
The business activities of the Bank are confined to three segments i.e. Consumer Banking, Global Markets and Corporate & Institutional
Banking
(Wholesale Banking). The products and services offered by these segments are as follows:
Global Markets
Overall management of the treasury of the Bank and offering various cash and interest risk management products to the customers. The
products
include FX forwards, FX options and interest rate swaps.


Consumer Banking
Wealth management, deposits, mortgages, auto finance, unsecured lending (credit cards, loans etc.), consumer leases and SME lending (including SME trade).
personal
Corporate and institutional banking
Deposits, trade and other lending activities (including murabaha and ijarah) for corporates and financial
institutions.
37. RELATED PARTY TRANSACTIONS
Related partiesse of Standard Chartered Plc., ultimate parent company, its other subsidiaries and branches, key management personnel, and employees'
compri
benefit funds. The retirement
transactions with related parties are conducted at al terms. The Group also provides advances to employees at reduced rates in
commerci
with their terms of accordance
employment.
The transactions and balances with related parties are summarised as 2009 2008
follows:
OUTSTANDING BALANCES (Rupees in '000)
Group
Nostro balances with other subsidiaries and branches of the holding company 2,179,389 975,202
Overdrawn nostro balances with other subsidiaries and branches of the holdi ng company 36,075 28,590
Vostro balances with other subsidiaries and branches of the holding company 334,559 108,826
Placements with group 17,121,847 18,991,225
Deposits of group companies 16,056 16,420
Due to holding company 10,614,728 6,864,604
Due from associated undertakings 132,884 217,997
Interest receivable from group 6,773 19,725
companies
Inter-company derivative assets 794,789 2,433,755
Inter-company derivative 896,575 1,298,316
liabilities
Loans and advances to key management personnel 130,470 99,716
Deposits of key management personnel 21,469 69,732
Others
Deposits by staff retirement benefit funds 26,613 180,647
Deposits by customers with common directorship - 2,624
Loans to staff retirement benefit funds - 2,600
Receivable from defined benefit 17,740 36,526
plans
Receivable from / (payable to) defined contribution 111,047 (10,304)
plans
PROFIT AND LOSS
Group
Mark-up / interest / income 129,198 311,256
earned
Fee and commission expense 36,760 24,575
Fee and commission i ncome 72 43
Reimbursement of executive and general administrative 3,477,215 3,419,894
expenses to group company for direct sales services rendered
Payment 673,974 915,215
Net loss / (gain) on inter-company derivatives 1,237,225 (947,015)
Royalty expense 76,724 58,526

Mark-up / interest / income 2,682 2,160
earned
Sale of shares - 377
Sale of vehicles - 3,467
Salaries and benefits 314,446 222,372
Post retirement benefits 14,204 13,177
Others
Contribution to defined contribution plans 238,700 239,092
Charge for defined contribution plans 131,350 239,092
Net (income) / charge for defined benefit (2,620) 29,368
plans
Mark-up / interest expensed on deposits of staff retirement benefit funds 11,226 6,722
Mark-up / interest expensed on deposits of customers with common directorship 315,994 24,959
Remuneration / fee paid to non-exective 3,225 3,250
directors

37.1 Net movements in loans and deposits are summarised as follows:
Balance as at Net Net Balance as at

31 December disbursement / repayments / 31 December
2008 deposits withdrawals 2009
------------------------------(Rupees in '000)----------------------------
Loans and advances
Key Management Personnel 99,716 65,837 (35,083) 130,470
Others 2,600 1,200 (3,800) -
Deposits
Group companies 16,420 676,529 (676,893) 16,056
Key Management Personnel 69,732 475,027 (523,290) 21,469
Others 183,271 76,619,714 (76,776,372) 26,613
38. CAPITAL ASSESSMENT AND

ADEQUACY
38.1 Capital Structure
The Bank's lead regulator, State Bank of Pakistan (SBP) sets and monitors capital requirements for the Bank as a
whole. Effective 31 December 2008, SBP has advised all banks to calculate their capital requirements based on
Basel II accord under the standardised approach.
The transition to the 'Advanced Approaches' of Basel II has been made discretionary for banks, and is subject to prior
written approval from SBP.
In implementing the current capital requirements, SBP requires the Bank to maintain a prescribed total capital to total
risk-weighted assets ratio. As at the year end, SBP's minimum prescribed capital adequacy ratio is 10 percent. The
Bank's ratio is compliant with this minimum benchmark.
The Bank calculates its capital requirement for market risk in its portfolio, based on the methodology provided by SBP
which takes account of specific and general market risk capital charge for interest rate risk using the duration method.
Banking operations are categorised in either the trading book or the banking book, and risk-weighted assets are
determined according to specified requirements that seek to reflect the varying levels of risk attached to assets and
off-balance sheet exposures.
The Bank’s regulatory capital is analysed into three tiers:
- Tier I capital, which includes ordinary share capital, capital and other reserves (except exchange translation reserve),
minority interest, and unappropriated profit. Goodwill and other intangibles are deducted from tier I capital.
- Tier II capital includes sub-ordinated debt, revaluation reserves on assets and impairment allowances that are not
held against identified debts. Sub-ordinated debt is limited to 50 percent of tier I capital. Information on the terms,
conditions and other features of the Bank's sub-ordinated debt currently in issue is given in note 16 to these
financial statements. Revaluation reserves are eligible upto 45 percent for treatment as tier II capital. There is also
a restriction on the amount of impairment allowances that are not held against identified debts upto 1.25 percent
of total risk weighted assets.
- Tier III supplementary capital consists of short term sub-ordinated debt solely for the purpose of meeting a proportion
of the capital requirements for market risk. The Bank currently does not have any tier III capital.
Total of tier II and III capital is limited to tier I capital. 50 percent of the amount of investments in subsidiaries and
associates not consolidated on the balance sheet is deducted from both tier I and tier II capital.


2009 2008
(Rupees in '000)
Tier I Capital
Fully paid-up capital 38,715,850 38,715,850
Balance in share premium account 1,036,090 1,036,090
General reserves as disclosed on the balance sheet 1,016,257 868,594
Un-appropriated profit 4,078,277 3,504,907
Minority in equity of subsidiaries 772,504 775,021
Less:
Book value of goodwill and other intangibles (27,026,172) (27,535,060)
Shortfall in provision required against classified assets --
Deficit on account of revaluation of investments held in AFS category -(1,252,980)
Other deductions (50 percent of investments in equity and other regulatory
capital of majority owned securities or other financial subsidiaries not
consolidated in the balance sheet) --
Total Tier I Capital------------>
18,592,806 16,112,422
Tier II Capital
Sub-ordinated debt - upto maximum of 50 percent of 'Total eligible Tier 1 capital' 704,040 1,083,720
General provisions or general reserves for loan losses - upto maximum
of 1.25 percent of 'Risk Weighted Assets' 1,307,010 1,701,080
Revaluation reserves (upto 45 percent) 1,288,817 -
Less:
Other deductions (50 percent of investments in equity and other regulatory

capital of majority owned securities or other financial subsidiaries not
consolidated in the balance sheet) --
Total Tier II Capital------------> 3,299,867 2,784,800
Total Regulatory Capital Base 21,892,673 18,897,222
38.2 Capital Adequacy
The Bank’s capital management approach is driven by its desire to maintain a strong capital base to support the development
of its business, to meet regulatory capital requirements at all times and to maintain good credit ratings, maximising shareholder
value and at the same time maintaining investor, creditor and market confidence.
The capital position is reviewed and monitored by the Asset and Liability Committee (ALCO) of the Bank. Regular reviews
help to ensure that adequate levels of capital and an optimum mix of the different components of capital are maintained by
the Bank to support the strategy. This is integrated with the Bank’s annual planning process that takes into consideration
business growth assumptions across products and business segments and the related impact on capital resources.
The following matters are taken into account while reviewing the Bank's capital position:
a) regulatory capital requirements;
b) forecast demand for capital to maintain the credit ratings;
c) increases in demand for capital due to business growth, market shocks or stresses;
d) available supply of capital and capital raising options;
e) internal controls and governance for managing the Bank’s risk, performance and capital; and
f) maximisation of shareholder value.

The Bank is also in the process of developing and documenting its three year capital plan as part of its Internal Capital
Adequacy Assessment Process (ICAAP) for Basel II, which will also be submitted to SBP. The ICAAP lays down each
material risk to be assessed, the relevant mitigants to be considered, and appropriate level of capital required. This process
aims to ensure that a strong governance culture and framework is embedded in the capital planning and assessment
methodology and is frequently revisited.
The bank adheres to the calculation of capital requirements for credit, market and operational risk as per the guidelines of
SBP, for Basel II.
For credit risk, the Bank uses the 'Standardized Approach'. The Bank uses reputable and SBP approved rating agencies
(ECAIs) for deriving risk weights for specific credit exposures. These are consistently applied across the Bank's credit portfolio
for both on and off balance sheet exposures. The ECAIs used for rating various types of exposures are tabled in note 38.3
to these financial statements.
For the purposes of Credit Risk Mitigation under the 'Standardised Approach', the Bank follows the instructions laid
down by SBP vide their Circular No. 08 dated 27 June 2006 with regard to eligibility of collaterals, valuation and
management. Where a transaction is secured by an eligible collateral and meets the eligibility criteria and minimum
requirements as laid down by SBP, the Bank reduces its exposure under that particular transaction by taking into
account the risk mitigating effect of the collateral for the calculation of capital requirement.
The Bank calculates its capital requirement for market risk in its portfolio, based on the methodology provided by
SBP which takes account of specific and general market risk capital charge for interest rate risk using the duration
method.
For calculation of operational risk capital charge, the business activities of the Bank are divided into eight business
lines: corporate finance, trading and sales, retail banking, commercial banking, payments and settlement, agency
services, asset management and retail brokerage. The Bank's operations are mapped into these eight business
lines as per the criteria laid down by SBP vide Circular No 08 dated 27 June 2006.
Within each business line, gross income is the broad indicator that serves as a proxy for the scale of business
operations and thus the likely scale of operational risk exposure within each of these business lines. The capital
charge for each business line is calculated by multiplying gross income by beta factors assigned by SBP to that
business line. Beta serves as a proxy for the industry-wide relationship between the operational risk loss experience
for a given business line and the aggregate level of gross income for that business line.
The total capital charge is calculated as the three-year average of the simple summation of the regulatory capital
charges across each of the business lines in each year.
The 'Standardised Approach' is preferred over the 'Basic Indicator Approach' so as to arrive at a capital charge that
is reflective of the risks associated with each of the Bank's business lines.
The Bank's approach for mitigating operational risk is further detailed in note 39.8 to these financial statements.


The capital requirements for the Bank as per the major risk categories are indicated below:
Capital Requirements Risk Weighted Assets

31 December 31 December 31 December 31 December
2009 2008 2009 2008
Rupees in '000
Credit Risk
Portfolios subject to 'Standardized Approach' - Simple

Government of Pakistan and State Bank of Pakistan 4,781 - 47,810 -
Public Sector Entities 177,075 190,286 1,770,750 2,114,285
Banks 1,460,883 976,260 14,608,826 10,847,335
Corporate Portfolio 7,445,708 6,672,485 74,457,080 74,138,724
Retail Portfolio 1,784,653 2,440,507 17,846,533 27,116,748
Residential Mortgage Finance 187,982 209,401 1,879,820 2,326,682
Past Due Portfolio 533,489 544,486 5,334,886 6,049,840
All other Risk Weighted Assets 2,035,485 1,214,352 20,354,859 13,492,815
Market Risk
Capital Requirement for portfolios subject to 'Standardized
Approach'
Interest Rate Risk 148,183 329,154 1,481,827 3,657,263
Foreign Exchange Risk 142,469 36,927 1,424,692 410,295
Operational Risk
Capital Requirement for operational risk - 'Standardised 4,106,093 3,149,060 41,060,931 34,989,557
Approach' TOTAL 18,026,801 15,762,919 180,268,014 175,143,544
Capital Adequacy Ratio 2009 2008
Total eligible regulatory capital held (Note 38.1) 21,892,673 18,897,222

(a)
Total Risk Weighted Assets (b) 180,268,014 175,143,544
Capital Adequacy Ratio (a) / (b) 12.14% 10.79%
(Rupees in '000)
Credit Exposures subject to Standardised approach
2009 2008
Exposures Rating Amount Deduction Net Amount Deduction Net
Category outstanding* CRM amount outstanding* CRM amount
Corporate 0% - - - - - -
20% 12,244,135 8,659,506 3,584,629 18,188,803 13,892,294 4,296,509
50% 4,256,362 1,633,649 2,622,713 4,284,892 2,182,144 2,102,748
100% 1,965,897 - 1,965,897 3,028,320 709 3,027,611
150% 112,673 (56,337) 169,010 1,129,730 1,129,730 -
Banks 0% - - - - - -
20% 22,789,759 19,478,871 3,310,888 51,044,994 43,331,130 7,713,864
50% 18,882,308 9,441,154 9,441,154 3,275,728 1,638,260 1,637,468
100% 406,993 - 406,993 781,770 - 781,770
150% 142,044 (71,022) 213,066 133,146 (66,573) 199,719
Sovereigns etc 0% - - - 366,095 366,095 -
20% 3,462,838 2,770,271 692,567 1,804,337 1,443,469 360,868
Unrated 100% / 75% / 50% 256,836,221 142,942,572 113,893,649 196,239,870 80,273,997 115,965,873
Total 321,099,230 184,798,665 136,300,566 280,277,685 144,191,255 136,086,430
CRM= Credit Risk Mitigation
* Amount outstanding represents Original Exposure in the case of on balance sheet items and the Credit Equivalent Exposure in the case of off balance
sheet
items.

38.3 Types of Exposures and ECAI's used
Corporate Banks Sovereigns

JCR - VIS 4 4 4
PACRA 4 4 4
STANDARD AND POORS 4 4 4
MOODY'S 4 4 4
FITCH 4 4 4
The Bank adheres to the mapping instructions issued by SBP on the Revised Regulatory Capital Framework under Basel
II, issued vide BSD Circular No. 8 of 2006 dated 27 June 2006, vide BSD Circular Letter No. 09 of 2007 dated 24 August
2007 and vide BSD Letter No. BSD/BAI-2/201/1141/2009 dated 2 December 2009 with regard to credit ratings to be
used. These are as follows:
LONG-TERM RATING GRADES

MAPPING
20% AAA Aaa AAA AAA AAA

AA+ Aa1 AA+ AA+ AA+
AA Aa2 AA AA AA
AA- Aa3 AA- AA- AA-
50% A+ A1 A+ A+ A+
A A2 A A A
A- A3 A- A- A-
100% BBB+ Baa1 BBB+ BBB+ BBB+
BBB Baa2 BBB BBB BBB
BBB- Baa3 BBB- BBB- BBB-
100% BB+ Ba1 BB+ BB+ BB+
BB Ba2 BB BB BB
BB- Ba3 BB- BB- BB-
150% B+ B1 B+ B+ B+
B B2 B B B
B- B3 B- B- B-
150% CCC+ Caa1 CCC+ CCC+ CCC+
CCC Caa2 CCC CCC CCC
CCC- Caa3 CCC- CCC- CCC-
CC Ca CC CC CC
C C C C C
D - D D D
SHORT-TERM RATING GRADES MAPPING
20% A-1+ P-1 F1+ A-1 A-1

A-1 F1
50% A-2 P-2 F2 A-2 A-2
100% A-3 P-3 F3 A-3 A-3
150% B NP B Others Others
B-1 C
B-2 D
B-3
C


39. RISK MANAGEMENT
Through its risk management structure, the Bank seeks to manage efficiently the core risks: credit, market, country, and
liquidity risk. These arise directly through the Bank’s commercial activities whilst compliance and regulatory risk, operational
risk and reputational risks are normal consequences of any business undertaking.
The basic principles of risk management followed by the bank include:
Balancing risk and reward
Risk is taken in support of the requirements of the Bank’s stakeholders. Risk should be taken in support of the Bank's
strategy and within its risk appetite.
Responsibilit
y
Given the Bank is in the business of taking risk, it is everyone’s responsibility to ensure that risk taking is both disciplined
and focused. The Bank takes account of its social, environmental and ethical responsibilities in taking risk to produce a
return.
Accountability
Risk is taken only within agreed authorities and where there is appropriate infrastructure and resource. All risk taking must
be transparent, controlled and reported.
Anticipatio
n
The Bank looks to anticipate future risks and to maximise awareness of all risk.
Risk management
The Bank aims to implement best practices and have a specialist risk function of international standards, with strength in
depth, experience across risk types and economic scenarios.
Ultimate responsibility for the effective management of risk rests with the Company’s Board of Directors. Acting within an
authority delegated by the Board, the Executive Committee reviews specific risk areas and monitors the activities of the
Risk Committee (“RC”) and the Asset and Liability Committee (“ALCO”).
RC headed by Chief Risk Officer (CRO), through authority delegated by the Board, is responsible for credit risk, market
risk, operational risk, compliance and regulatory risk, legal risk and reputational risk. ALCO, through authority delegated by
the Board, is responsible for liquidity risk, for structural interest rate and foreign exchange exposures, and for capital ratios.
The day to day responsibility for managing risk rests with CRO who oversees and manages the risk through a team of
managers; Senior Credit Officer responsible for credit risk in Wholesale Bank, Head of Consumer Credit responsible for
credit risk in Consumer Bank (including SME), Head of Special Assets Management responsible for remedial risk management,
Head of Credit Risk Controls responsible for collateral management, security documentation, credit MIS and controls, Head
of Market Risk responsible for liquidity risk and risks associated with price movements, arising from interest and exchange
rate movements. The Bank has established policies, procedures, processes, and controls and have provided the Risk team
adequate support by way of risk systems and tools for measuring and reporting risk for monitoring, controlling, reviewing
and managing risk.
39.1 Credit risk
Credit risk is the risk that a counter party will not settle its obligations in accordance with agreed terms. Credit exposures
may arise from lending, trade finance, securities and derivative exposures. Credit exposures include both individual borrowers
and groups of connected counterparties and portfolios in the banking and trading books.

The Board of Directors has delegated down the authority to CEO and the Bank’s Executive Committee to establish risk
appetite and make recommendations to the Board for approval of risk appetite and policies for managing credit risk. The
CEO and the Executive Committee in turn rely on CRO and the Risk Committee to determine these and recommend for
their support and Board's approval. The CRO is also delegated down by the CEO, the responsibility to delegate credit
authorities to independent Risk Officers.
Credit risk appetite is established through business strategy papers and underwriting standards by the business managers,
which are approved by the Board once recommended, and supported by the Executive Committee.
Specific procedures for managing credit risk within Wholesale and Consumer (including SME) are determined at the Senior
Credit Officer and Head of Consumer Credit levels for their respective jurisdictions with specific policies and procedures
being adapted to different risk environments and business goals. Credit analysis includes review of facility details, credit
grade determination and financial spreading / ratio analysis. Portfolio review, Early Alerts and Stress Testing based on
scenario analysis is a combined responsibility of Client Relationship and Risk function. Client relationship origination and
credit approval roles are clearly segregated throughout Wholesale and Consumer Banks.
39.1.1 Wholesale Banking
Within the Wholesale Banking business, a numerical risk grading system is used for quantifying the risk associated with a
counter-party. The grading is based on a probability of default measure, with customers analysed against a range of
quantitative and qualitative measures. Expected Loss is used for further assessment of individual exposures and portfolio
analysis. There is a clear segregation of duties with loan applications being prepared separately from the approval chain.
39.1.2 Consumer Banking
For Consumer Banking, program based standard credit application forms are generally used, which are processed in central
units for different products and market segments. Medium enterprises relationship based business of Consumer Bank
operates much like Wholesale banking with numerical risk grading system for quantifying counter party risk. As with Wholesale
Banking, origination and approval roles are segregated.


39.1.3 Segment by class of business

2009

Commitments
in '000) in '000) in '000)
Chemical and 8,454,261 5.77 6,625,432 3.20 4,945,654 7.33

pharmaceuticals
Agri business 2,379,457 1.62 103,348 0.05 - -
Textil 23,230,696 15.84 909,248 0.44 1,591,874 2.36
eCommunication 4,281,968 2.92 7,005,997 3.39 856,920 1.27
Insurance 70,705 0.05 1,608,955 0.78 - -
Telecommunications
and
information technology 4,851,011 3.31 5,063,616 2.45 5,031,744 7.46
Cement 6,016,469 4.10 6,577 - 451,509 0.67
Sugar 2,617,261 1.78 33,500 0.02 74,917 0.11
Automobile and transportation 2,071,541 1.41 3,637,500 1.76 2,457,378 3.64
equipment
Financial 5,678,490 3.87 2,846,935 1.38 45,031 0.07
Electronics and electrical 4,045,451 2.76 4,731,243 2.29 4,747,693 7.04
appliances
Production and transmission of energy 23,864,633 16.28 8,867,324 4.29 14,014,260 20.78
Individuals 29,481,595 20.11 118,671,424 57.33 500 -
Others 28,789,301 19.63 46,770,830 22.60 33,209,433 49.25
146,632,021 100.00 206,915,825 100.00 67,438,885 100.00
2008

Commitments
(Rupees Percent (Rupees Percent (Rupees

Percent
in '000) in
'000) in
'000)
Chemical and pharmaceuticals 3,732,066 2.64 3,403,212 1.95 4,654,227 9.45
Agri business 1,159,738 0.82 188,447 0.11 - -
Textile 18,346,560 12.97 595,403 0.34 1,527,289 3.10
Communication 6,740,905 4.77 5,820,832 3.34 3,603,723 7.32
Insurance 122,476 0.09 980,488 0.56 217,127 0.44
Telecommunications
and
information technology 72,635 0.05 2,270,454 1.30 20,481 0.04
Cement 6,747,086 4.77 11,304 0.01 481,962 0.98
Sugar 3,212,601 2.27 1,743 0.00 233,541 0.47
Automobile and transportation equipment 7,117,900 5.03 2,724,497 1.56 2,619,635 5.32
Financial 2,243,917 1.59 3,294,385 1.89 12,957 0.03
Electronics and electrical appliances 1,877,452 1.33 1,950,013 1.12 3,745,902 7.61
Production and transmission of energy 20,403,036 14.43 10,892,304 6.24 9,594,865 19.48
Individuals 38,223,964 27.03 100,986,038 57.87 3,140 0.01
Others 30,827,928 21.80 41,369,357 23.71 22,524,980 45.73
141,402,148 100.00 174,511,408 100.00 49,252,483 100.00

39.1.4 Details of non-performing advances and specific provisions

by class of business segment
2009 2008
Cl as s i fi ed S peci fi c C las sif ie d S pe c if ic
A dv ances P ro vi s i on Ad va n ce s Pr o visio n
hel d he ld
----------------------------- (Rupees in '000) ------------------------------
Chemical and 210,807 178,016 529,137 171,332

pharmaceuticals
Agri business 1,800 1,800 2,440 2,440
Textil 6,972,786 6,397,849 5,758,672 4,416,538
eFootwear and Leather garments 21,206 9,048 13,613 2,527
Automobile and transportation 866,701 570,737 1,093,108 411,192
equipment
Financial 41 41 40 40
Production and transmission of energy 550,431 285,592 493,022 126,463
Individuals 3,622,804 2,046,036 2,710,336 965,900
Others 9,757,130 6,375,738 6,556,138 4,518,221
22,003,706 15,864,857 17,156,506 10,614,653
39.1.5 Segment by sector

2009
Contingencies and
in '000 in '000 in '000

Private 122,133,502 83.29% 202,891,118 98.05% 62,430,322 92.57%
146,632,021 100% 206,915,825 100% 67,438,885 100%
2008
Contingencies and
Advances
Rupees Deposits % Rupees
in '000 Commitments
% Rupees
in '000 %
in '000
Private 128,128,635 90.61% 166,769,678 95.56% 41,857,845 84.99%
141,402,148 100% 174,511,408 100% 49,252,483 100%
39.1.6 Details of non-performing advances and specific provisions by sector
2009 2008
Cl as s i fi ed S peci fi c C las sif ie d S pe c if ic
A dv ances P ro vi s i on Ad va n ce s Pr o visio n
hel d he ld
----------------------------- (Rupees in '000) ------------------------------
Public / Government - -- -
Private 22,003,706 15,864,857 17,156,506 10,614,653
22,003,706 15,864,857 17,156,506 10,614,653
39.1.7 GEOGRAPHICAL SEGMENT ANALYSIS

2009
taxation employed Commitments
----------------------------- (Rupees in '000) ------------------------------
Pakistan 1,398,496 317,609,192 48,699,379 67,438,885

Sri Lanka - - - -
1,398,496 317,609,192 48,699,379 67,438,88
2008
Profit Total Net Assets
before Contingencies
assets
employed
taxation and
employed
Commitments
----------------------------- (Rupees in '000) ------------------------------
Pakistan 1,141,980 267,573,368 43,647,482 49,252,483
Sri Lanka (45,193) - - -
1,096,787 267,573,368 43,647,482 49,252,483


39.2 Market Risk
The Bank recognises market risk as the exposures created by potential changes in market prices and rates. Market risk
exposures arise primarily from interest rate and foreign exchange related contracts. The Bank has no significant exposure
to equity and commodity price risk.
Market risk is managed by the Head of Market Risk reporting directly to the CRO, who agrees policies and procedures
and levels of risk appetite in terms of Value at Risk ("VaR"). Limits are then proposed by the business within the terms of
agreed policy. These are agreed and delegated down by CRO under delegated authority from the CEO, and are monitored
by the Head of Market Risk as part of an independent risk management function. Policies cover both trading and non-
trading books.
In addition to market risk policies, as well as VaR and other market risk limits, independent stress testing of portfolios, factor
sensitivity measures and derivatives are also employed as additional risk management tools to manage and hedge market
risk exposures. Risk models are periodically back tested against actual results to ensure that pre-determined levels of
accuracy are maintained.
39.3 Foreign Exchange Risk

2009
exposure
(Rupees in '000)
Pakistan rupee 230,655,456 200,800,365 21,292,962 51,148,053

Euro 4,944,431 5,599,065 (1,480,749) (2,135,383)
Swiss Franc 18,163 17,134 (24,383) (23,354)
Others 37,430 50,921 (802,015) (815,506)
274,979,912 266,285,477 - 8,694,435
2008
Assets Liabilities Off-balance
Net foreign sheet items
currency exposure
(Rupees in '000)
Pakistan rupee 184,994,445 179,130,529 44,802,440 50,666,356

Euro 5,863,059 5,576,711 (4,498,219) (4,211,871)
Swiss Franc 16,596 16,596 (45,926) (45,926)
Others 248,211 71,400 (835,532) (658,721)
230,814,285 221,237,056 - 9,577,229
39.3.1 Currency risk is the risk that the value of a financial instrument will fluctuate due to changes in foreign exchange rates.
39.3.2 The management sets limits on the level of exposure by currency in total, for both overnight and intra day positions which
are monitored daily.

39 .4 M I SM AT C H OF IN TE R E ST RATE S E NS I TI V E AS SE T S AND L I ABI LI T IE S

200 9
E ff ect i ve Tot al Ex po s ed t o y iel d / i nt eres t rat e ris k
yi eld / Upt o one Ov er one Ov er t hre e Ov er si x Ov er one Ov er t wo Ov er t hree Ov er f i ve Ov er Non
int eres t mo nt h m o nt h t o m o nt hs mo nt hs y ear ye ars yea rs y ears t en in t eres t
rat e t hree t o s ix t o one to t wo t o t hree t o f i ve to t en y ears bea ring
m on t hs m o nt hs y ear y ear s ye ars yea rs y ears f inan cial
i ns t rum ent s
- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ----- ----- ----( R upe es in ' 000)-- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
O n- b a lan ce s he e t f in an c ial in st ru me ---
nt s
As se ts
Ca sh a nd baa lnce s wi th trea sury ban 0 .26 % 2 1, 52 1,5 92 5,5 76 ,9 05 - - - - - - - - 15 ,94 4,
B al an ces kswi th o the r b 68
0 .00 7 % 2 ,3 05 ,89 1 - - - - - - - - - 2 ,30 5, 89
anks
L endni gs tonfancai il n sti tuti o 31 .10 % 20 ,56 8, 06 4 1 8,7 54 ,6 58 1,8 13 ,4 06 - - - - - - -
I nvi e stm ns - .1 8% 8 3, 26 3,6 61 23 ,9 77 ,46 8 28 ,1 45 ,97 5 11 ,8 65 ,55 7 10 ,03 7, 46 5 3 ,8 19 ,14 6 1 ,71 4, 30 4 2 ,08 1, 03 3 1 ,5 40 ,33 8 -
12 8
ents
A dv a nce s 2, 37
14 5
.2 7% 12 9,4 60 ,1 54 65 ,00 7, 00 3 3 0, 80 2, 57 2 19 ,32 7, 64 9 3 ,59 2, 18 9 2 ,4 71 ,94 0 1 ,18 9, 62 5 7 32 ,4 00 62 2, 28 5 88 2,6 51 4 ,83
O ther ass ets 1, -83 91 7, 86 0,5 50 - - - - - - - - - 17 ,86 0, 55
0 27 4, 97 9,9 12 11 3, 31 6,0 34 6 0, 76 1,9 53 3 1, 19 3,2 06 1 3, 62 9,6 55 6, 29 1,0 86 2,9 03 ,9 29 2, 81 3,4 33 2, 16 2,6 2 3 8 82 ,6 51 4 1,0
L ia bi lit 25 ,3 42
ies
B si lpa y abl e 0 .00 % 4 ,8 44 ,63 8 - - - - - - - - - 4 ,84 4, 63
lB o rrow n gs
i 88 .15 % 15 ,84 7, 32 6 6, 65 0,1 97 6, 04 7,3 30 2 ,5 56 ,16 0 4 8, 33 4 3 38 ,0 31 15 1,4 43 7,5 64 6, 66 6 - 4 1,
De po sit s an d o the r ac cou 660.99
1 % 20 6, 91 5,8 25 10 3, 52 7,9 88 1 5, 81 4,3 58 5 ,46 8, 35 8 10 ,61 6, 67 4 1 ,53 6, 83 6 7 04 ,05 1 4 ,33 2 - - 69 ,24
nts
S ub - ord n ate d l oa n 3, 22 8
13 .9 1% 1 ,52 3, 00 0 1 49 ,60 0 - - 23 7, 50 0 4 36 ,7 00 44 9,2 00 2 50 ,00 0 - -
iO ther al ibi el si - 3 7, 15 4,6 88 - - - - - - - - - 37 ,15 4, 68
ti 8 6, 28 5,4 11 0,3 2 7,7 85 2 1,8 61 ,6 88 8, 02 4,5 18 1 0, 90 2,5 08 2, 31 1,5 67 1,3 04 ,6 94 26 1, 89 6 6 ,66 6 - 1 11 ,2
26
O n- b a lan c e s h ee t ga p 8, 69 4,4 77 842,9
,15885 ,2 49 3 8,9 00 ,2 65 2 3,1 68 ,6 88 2, 72 7,1 47 3, 97 9,5 19 1,5 99 ,2 35 2, 55 1,5 37 2 ,15 5, 95 7 8 82 ,6 51 (7 0, 25 )
35 8,8 13
O ff - ba la nc e sh ee t fin a nc ia l in st r ume n
ts
F o rw a rd L e nd in
gI nt eres t R ate S wap 5 3, 07 2,7 16 84 5,8 22 - - 5 ,44 2, 47 5 3 ,10 3, 32 3 2, 13 6,4 40 2 6,0 12 ,2 56 1 5,5 32 ,4 00 -
F oregi n C urre ncy o op
n - 3, 93 1,5 38 1,4 68 ,1 99 2,2 69 ,5 59 1 93 ,78 0 - - - - - -
F orwati rd For ei gn Ex c han ge Cont ract 4 -5, 61 5,1 99 19 ,9 04 ,36 9 22 ,69 8, 13 2 3 ,0 12 ,69 8 - - - - - -
s 10- 2, 61 9,4 53 22 ,2 18 ,39 0 24 ,96 7, 69 1 3 ,2 06 ,47 8 5,4 42 ,4 75 3,1 03 ,3 23 2 ,1 36 ,44 0 26 ,0 12 ,25 6 15 ,5 32 ,40 0
- -
F o rw a rd B or r ow in
gI nt eres t R ate S wap 9 2, 42 2,0 42 54 0,0 00 1 58 ,6 34 6 00 ,00 0 3 ,1 93 ,57 4 1,7 19 ,2 44 27 ,12 8, 17 7 4 8, 55 2,2 13 1 0, 53 0,2 00
F oregi n C urre ncy o op
n - 3, 93
- 1,5 38 1,4 68 ,1 99 2,2 69 ,5 59 1 93 ,78 0 - - - - - -
F orwati rd For ei gn Ex c han ge Cont ract 2 -5, 54 7,2 85 14 ,7 15 ,27 7 8 ,2 53 ,69 1 2,5 78 ,3 17 - - - - - -
s - 1, 90 0,8 65 16 ,7 23 ,47 6 10 ,68 1, 88 4 3 ,3 72 ,09 7 3,1 93 ,5 74 1,7 19 ,2 44 27 ,12 8, 17 7 48 ,55 2, 21 3 1 0, 53 0,2 00
12
O ff - ba la nc e sh ee t g ap (1 9, 28 1,4 12 ) 5,4 94 ,9 14 - 7 - ( 16 5,6 19 ) 2 ,24 8, 90 1 1 ,3 84 ,07 9 (2 4,9 91 ,7 37 ) ( 22 ,53 9, 95 7) 5 ,0 02 ,20 0
14 ,2 85 ,80
- -
To t al yie ld / in te r es t r is k se ns iti vit y g a p (1 0, 58 6,9 77 ) 8,4 83 ,1 63 53 ,1 86 ,07 2 23 ,0 03 ,06 9 4,9 76 ,0 48 ( 23 ,39 2, 50 2) (1 9, 98 8,4 20 ) 7 ,15 8, 15 7 88 2,6 51 (7 0,2
58 ,8 13 )
C umu la ti ve yie ld / in te r es t r is k se ns iti vit y g a p 61 ,66 9, 23 5 84 ,67 2, 30 4 8 9, 64 8,3 52 8 9, 64 8,3 52 66 ,2 55 ,85 0 46 ,26 7, 43 0 53 ,42 5, 58 7 5 4,
30 8,2 38
200 8
E ff ect i ve Tot al Ex po s ed t o y iel d / i nt eres t rat e ris k
yi eld / Upt o one Ov er one Ov er t hre e Ov er si x Ov er one Ov er t wo Ov er t hree Ov er f i ve Ov er Non
int eres t mo nt h m o nt h t o m o nt hs mo nt hs y ear ye ars yea rs y ears t en in t eres t
rat e t hree t o s ix t o one to t wo t o t hree t o f i ve to t en y ears bea ring
m on t hs m o nt hs y ear y ear s ye ars yea rs y ears f inan cial
i ns t rum ent s
- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ----- ----- ----( R upe es in ' 000)-- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
---
O n- b a lan ce s he e t f in an c ial in st ru me
nt s
As se ts
Ca sh a nd baa lnce s wi th trea sury ban ks 0.2 6% 2 2, 74 1,1 19 4,8 86 ,5 27 - - - - - - - - 17 ,8 54 ,
B al an ces wi 59th2 o the r b anks 1, 26 1,5 82 - - - - - - - - - 1,2 61 ,5
82
L endni gs tonfancai il n sti tuti o ns 8.8 5% 31 ,47 2, 62 7 2 3,0 50 ,5 79 8, 42 2,0 48 - - - - - - -
I nv ei stm ents 9.9 7% - 28 ,93 7, 79 0 1 4,7 55 ,5 09 99 3, 36 4 1 ,3 21 ,14 7 2,6 32 ,9 10 39 5, 00 1 3, 63 0,8 42 2 ,82 3, 88 4 2 ,2 91 ,00 0 -
94 ,13 3
A dv a nce s 1 5. 51 % 12 8,9 92 ,0 78 80 ,49 2, 35 4 16 ,29 7, 14 9 13 ,10 0, 90 6 5 ,24 7 ,64 5 3 ,4 98 ,72 3 2 ,22 0, 09 6 2 ,11 9, 01 3 50 1,6 74 7 68 ,08 2 4, 74
6,4 36 ass ets 1 7, 40 9,0 89 -
O ther - - - - - - - - 17 ,4 09 ,08
9 23 0, 81 4,2 85 12 3, 18 4,9 69 2 5, 71 2,5 61 1 4, 42 2,0 53 7 ,88 0, 55 5 3 ,89 3, 72 4 5, 85 0,9 38 4 ,94 2, 89 7 2 ,7 92 ,67 4 76 8,0 82 4 1, 36
L ia bi lit 5,8 32
iessi lpa y abl e 4, 29 6,4 20 -
B - - - - - - - - 4,2 96 ,4
l o20rrow
B n gs
i 1 0. 82 % 8 ,7 91 ,59 4 3, 87 8, 29 9 2 ,03 2, 66 4 - 2 ,8 40 ,64 0 - - - - - 39 ,
De po si t99 1 d o the r ac cou nts 7.3 2% 17 4, 51 1,4 08 80 ,9 66 ,77 5 14 ,41 1, 05 2 9 ,0 09 ,8 45 6,4 46 ,3 22 67 3, 97 9 1, 67 9,8 91 90 9 -
s an - 61 ,3 22
S ub - ,63ord 5 d l oa n 1 7. 01 % 1 ,7 10 ,30 0 37 ,7 00 -
n ate - 1 49 ,6 00 38 7, 10 0 4 36 ,70 0 69 9,2 00 - -
i ther al -ibi el si 3 1, 92 7,3 34 -
O - - - - - - - - 31 ,9 27 ,33
ti 4 22 1,2 37 ,0 56 84 ,88 2, 77 4 1 6, 44 3,7 16 9 ,00 9 ,84 5 9 ,4 36 ,56 2 1,0 61 ,0 79 2 ,1 16 ,59 1 70 0,1 09 - - 97 ,5
O n- b a lan c e s h ee t ga 86 ,38 0 9, 57 7,2 29 38 ,3 02 ,19 5 9 ,2 68 ,84 5 5,4 12 ,2 08 (1, 55 6,0 07 ) 2, 83 2,6 45 3,7 34 ,3 47 4, 24 2,7 88 2, 79 2,6 7 4 7 68 ,0 82 (5 6,2 20 ,
p 5 48 )
O ff - ba la nc e sh ee t fin a nc ia l in st r ume n
ts
F o rw a rd L e nd in 12 8, 12 6,1 64 - 7 9,0 98 ,5 00 6 91 ,57 7 5,0 05 ,9 13 5,6 27 ,5 13 5 ,6 28 ,45 6 26 ,77 3, 40 5 5 ,3 00 ,80 0 -
Ig nt eres t R ate S wap 8, 10 7,6 10 1,2 73 ,9 39 2,5 28 ,8 07 4 ,30 4,- 86 4 - - - - - -
-F oregi n C urre ncy o op
n 4 2, 69 3,4 38 31 ,8 39 ,86 6 7 ,0 95 ,82 5 3,6 72 ,4 97 85 ,2 50 - - - - -
ti rd For ei gn -Ex c han ge Cont ract s 17 8, 92 7,2 12 33 ,1 13 ,80 5 88 ,72 3, 13 2 8 ,6 68 ,93 8 5,0 91 ,1 63
F orwa 5,6 27 ,5 13 5 ,6 28 ,45 6 26 ,7 73 ,40 5 5,3 00 ,8 00
- -
F o rw a rd B or r ow in 16 3, 88 6,1 71 80 0,0 00 7 9, 49 8,5 00 7 83 ,1 53 5,3 95 ,5 74 6, 52 6,1 12 3,1 55 ,7 01 58 ,3 62 ,38 8 9,3 64 ,7 43
Ig nt eres t R ate S wap 8, 10 7,6 10 1,2 73 ,9 39 2,5 28 ,8 07 4 ,30 4,- 86 -4 - - - - - -
-F oregi n C urre ncy o opn 2 4, 50 3,3 86 13 ,3 86 ,48 0 8 ,2 45 ,02 8 2,8 71 ,8 78 - - - - - -
ti rd For ei gn -Ex c han ge Cont ract s 19 6, 49 7,1 67 15 ,4 60 ,41 9 90 ,27 2, 33 5 7 ,9 59 ,89 5 5,3 95 ,5 74 6,5 26 ,1 12 3 ,1 55 ,70 1 58 ,3 62 ,38 8 9,3 64 ,7 43
F orwa
- ff-b
O - al anc e s hee t ga p (1 7, 56 9,9 55 ) 17 ,6 53 ,38 6 (1 ,5 49 ,20 3) 70 9, 04 3 (3 04 ,4 11 ) (89 8, 59 9) 2,4 72 ,7 55 (3 1,5 88 ,9 83 ) (4,0 63 ,9 43 ) -
-
To t al yie ld / in te r es t r is k se ns iti vit y g a (7, 99 2,7 26 ) 55 ,95 5 ,58 1 7 ,7 19 ,64 2 6,1 21 ,2 51 (1, 86 0,4 18 ) 1, 93 4,0 46 6,2 07 ,1 02 (2 7,3 46 ,1 95 ) (1,2 71 ,2 69 ) 76 8, 08 2 (56 ,22 0 ,
p 54 8)
C umu la ti ve yie ld / in te r es t r is k se ns iti vit y g 63 ,67 5, 22 3 69 ,79 6, 47 4 6 7, 93 6,0 56 6 9, 87 0,1 02 76 ,0 77 ,20 4 48 ,73 1, 00 9 47 ,45 9, 74 0 4 8, 22
ap 7,8 22


39.5 Yield / Interest Rate Risk
Yield risk is the risk of decline in earnings due to adverse movement of the yield curve. Interest rate risk is the risk that the
value of financial instruments will fluctuate due to changes in the market interest rates. The Bank is exposed to various risks
associated with the effects of fluctuations in the prevailing levels of market interest rates on its financial position and cash
flows. The bank manages this risk by matching the re-pricing of assets and liabilities and off-balance sheet instruments.
39.6 Liquidity Risk
The Bank defines liquidity risk as the risk that the Bank either does not have sufficient financial resources available to meet
all its obligations and commitments as and when they fall due, or can access them only at excessive cost.
Liquidity risk is managed through the Asset and Liability Committee ("ALCO"). This committee, chaired by the Chief Executive
Officer, is responsible for both statutory and prudential liquidity.
Liquidity risk is monitored through the internal liquidity risk management policy. A range of tools are used for the management
of liquidity. These comprise commitment and wholesale borrowing guidelines, key balance sheet ratios, medium term funding
requirements and day to day monitoring of future cash flows.
In addition, liquidity contingency funding plans are reviewed periodically to ensure that alternative funding strategies are in
place and can be implemented on a timely basis to minimise the liquidity risk that may arise due to unforeseen adverse
changes in the market place.
A substantial portion of the Bank’s assets are funded by customer deposits made up of current and savings accounts and
other deposits. These customer deposits, which are widely diversified by type and maturity, represent a stable source of
funds.
The Bank also maintains significant levels of marketable securities either for compliance with local statutory requirements
or as prudential investments of surplus funds.

39.7 MATURITIES OF ASSETS AND

LIABILITIES
2 0 09
To t al Upt o one Ov er on e Ov er t hree Ov er s ix Ov er one O v er t w o Ov er t hree O ve r f i ve O ve r t
en
m o nt h m on t h t o m ont hs t o m ont hs t o y ear t o y ears t o ye ars t o y ea rs t o y
ear s t hre e m o nt hs s i x m o nt hs o ne y ear t wo y ears t h ree ye ars f i ve y ears t en y
ears
A s s et s -- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---( R up ees i n '000) --- ---- ----- ---- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ----
C a sh an d ba l an c e s w i
th
tr e a su r y ban k 21, 521, 592 21,521, 592 - - - - - - -
-
Ba l a n c es wi t h o t he r ba n k s 2, 305, 891 2,305, 891 - - - - - - -
-L e ndi n g s t o f i na ni cn ista i tu ti o n s 20, 568, 064 18,754, 658 1,813 ,406 - - - - - -
l -
I n ve s tme n t s 83, 263, 661 23,319, 544 28,145 ,975 10, 365, 557 10,0 39,712 3 ,819, 146 1, 714,304 3,581, 033 2,278,
390 an
Adv - c e s 129, 460, 154 58,929, 959 13,343 ,421 8, 046, 769 6,5 83,706 10 ,933, 736 10, 413,161 11,059, 828 1 0,149,
574 -
Oth e r a s se t s 22, 230, 290 10,435, 291 7,360 ,303 402, 076 1,4 60,298 270, 571 394,735 1,524, 202 382,
814
Ope ra- t i ng fi x ed a ss e ts 7, 003, 915 28, 225 56 ,442 84, 660 1 69,319 338, 211 337,709 742, 310 1,379, 539 3,
867 ,50 0
I n ta n g i bl e a ss e ts 27, 026, 172 31, 032 61 ,722 92, 583 1 85,166 255, 977 125,876 100, 918 2 6,172,
898
D ef e- rr e d t ax a s se t s 4, 229, 453 - - - - - - 4,229, 453 -
-
317, 609, 192 135,326, 191 50,781 ,270 18, 991, 645 18, 438,201 15 ,617, 641 12, 985,785 21,237, 744 4 0,363, 215 3, 867
,50 0
Li abi lit i
es
Bi l l s pa y abl e 4, 844, 638 4,844, 638 - - - - - - -
-
Bo r ro w i n g s 15, 847, 326 6,691, 799 6,047 ,330 2, 556, 160 28,102 350, 872 158,527 7, 870 6,
666
D - i ts an d o th e r a c co u n t s 206, 915, 825 172,771, 216 15,814 ,358 5, 468, 358 10,6 16,674 1 ,536, 836 704,051 4, 332 -
ep os
-
Su b- o r di n at e d l o a n 1, 523, 000 149, 600 - - 237,500 436, 700 449,200 250, 000 -
-Oth e r l i a bi l i ti e s 39, 779, 024 6,449, 868 18,861 ,193 872, 688 2, 987,089 283, 742 4, 619,741 5,361, 009 343,
693 -
268, 909, 813 190,907, 121 40,722 ,881 8, 897, 206 13, 869,365 2 ,608, 150 5, 931,519 5,623, 211 350,
359 -
48, 699, 379 (55,5 80,930) 10,058 ,388 10, 094, 439 4, 568,836 13 ,009, 491 7, 054,266 15,614, 533 4 0,012, 856 3,
867 ,50 0
Net as s et s
Sh a r e c a pi ta l 38,715 ,
850
Re s e rv e s 2,052 ,
347
U na ppr o pri a t ed pr o fi t 4,078 ,
277
Su r pl u s/ (de f i ci t ) o n ur ev
a toai n
l
o f a ss e ts 3,080 ,
401
Mi n o r i ty i n te r es t 772 ,
504
48,699 ,
379
2008
Tot al Upt o on e Ov er on e Ov er t hree O ve r s i x Ov er on e Ov er t wo O ve r t hr ee O v er f i v e O v er t e
n m o nt h m o nt h to m ont h s t o m ont h s t o y ear t o y ear s t o y ears t o ye ars t o ye
ars
t h ree m o nt hs s ix m o nt hs one y ear t wo y ear s t hree y ears fi v e y ea rs t en y
ears
-- ---- ---- ---- ---- ----- ---- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- --( R upe es i n ' 000) ---- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- ---- ---- ----- ---- ---- --
A s s et s
C a sh an d ba l an c e s w i
th
tr e a su r y ban k 22, 741, 119 22,741, 119 - - - - - -
-Ba l a n c es wi t h o t he r ba n k s 1, 261, 582 1,261, 582 - - - - - - -
-
L e ndi n g s t o f i na n c i a
i n s ti t u ti o nl s 31, 472, 627 23,050, 579 8,422 ,048 - - - - - -
-
I n ve s tme n t s 28, 937, 790 14,750, 614 993 ,364 1, 321, 147 2, 632,910 395, 001 3, 630,842 2,837, 048 2,376,
864
Adv an - c e s 128, 992, 078 79,489, 993 10,115 ,059 5, 439, 681 3, 884,189 9 ,365, 757 6, 287,015 7,013, 201 6,629, 101 768,
08 2
Oth e r a s se t s 19, 363, 705 8,265, 074 3,494 ,234 793, 976 1, 204,443 1 ,461, 099 417,316 3,070, 714 656,
849
Ope ra- t i ng fi x ed a ss e ts 3, 900, 676 30, 539 61 ,863 92, 379 184,761 368, 353 368,353 736, 704 1,018, 974 1 ,0 38,
75 0
I n ta n g i bl e a ss e ts 27, 535, 060 41, 415 82 ,830 124, 245 248,489 496, 978 246,256 95, 904 103, 634 26,
095
D ef,30
e rr9e d t ax a s se t s 3, 368, 731 - - - - - - 3,368, 731 -
-
267, 573, 368 149,630, 915 23,169 ,398 7, 771, 428 8, 154,792 12 ,087, 188 10, 949,782 17,122, 302 1 0,785, 422 27, 902
,14 1
Li abi lit i
es
Bi l l s pa y abl e 4, 296, 420 4,296, 420 - - - - - - -
-
Bo r ro w i n g s 8, 791, 594 3,918, 290 2,032 ,664 - 2, 840,640 - - - -
-D ep os i ts an d o th e r a c co u n t s 174, 511, 408 142,289, 410 14,411 ,052 9, 009, 845 6, 446,322 673, 979 1, 679,891 909 -
-
Su b- o r di n at e d l o a n 1, 710, 300 38, 000 - - 149,800 387, 100 436,700 698, 700 -
-Oth e r l i a bi l i ti e s 34, 616, 164 7,976, 359 9,403 ,009 1, 497, 091 3, 235,788 2 ,053, 827 123,253 9,142, 865 1,183,
972 -
223, 925, 886 158,518, 479 25,846 ,725 10, 506, 936 12, 672,550 3 ,114, 906 2, 239,844 9,842, 474 1,183,
972647,
43, - 482 (8,8 87,564) (2, 677,327) ( 2,735, 508) (4, 517,75 8) 8 ,972, 282 8, 709,938 7,279, 828 9,601, 450 27, 902 ,
14 1
Net as s et s
Sh a r e c a pi ta l 38, 715,
850
Re s e rv e s 1, 904,
684
U na ppr o pri a t ed pr o fi t 3, 504,
907
Su r pl u s/ (de f i ci t ) o n ur ev
a toai n
l
o f a ss e ts (1 ,252,
980)
Mi n o r i ty i n te r es t 775,
021
43, 647,
482


39.8 Operational Risk
Operational risk is the risk of a direct or indirect loss being incurred due to an event or action arising from the failure of
technology, processes, infrastructure, personnel and other risks having an operational risk impact.
The Country Operational Risk Group ("CORG") has been established to ensure that an appropriate risk management
framework is in place at a grass root level, and to report, monitor and manage operational, social, ethical and environmental
risk. The CORG is chaired by the CEO, and CRO is an active member of this forum.
All business units within the Bank monitor their operational risks using set standards and indicators. Significant issues and
exceptions are reported to CORG and are also picked up by the independent Risk function for discussion at the Risk
Committee chaired by the CRO. Disaster recovery procedures, business contingency planning, self-compliance audits and
internal audits also form an integral part of the operational risk management process.
40. ISLAMIC BANKING

BUSINESS
The Bank is operating with 10 Islamic Banking branches at the end of current year as compared to 8 Islamic Banking
branches at the end of last year.
2009 2008
40.1 Balance Sheet (Rupees in ‘000)
Assets
Cash in hand 87,391 53,998
Balances with and due from Financial Institutions 524,863 785,414
Investments 1,800,000 300,000
Financing and receivables
- Murabaha 1,254,219 565,637
- Musharaka - -
- Diminishing Musharaka 5,086,874 5,610,640
- Others 133,119 120,294
Operating fixed assets 55,375 60,684
Other assets 1,190,530 135,028
10,132,371 7,631,695
Liabilities
Deposits and other accounts
- Current accounts 3,099,484 1,632,370
- Savings accounts 1,719,601 736,595
- Term deposits 3,181,834 2,209,134
- Others 198,160 -
Due to Head Office - 1,378,871
Due to financial institutions 114,300 -
Other liabilities 816,811 97,220
9,130,190 6,054,190
Net Assets 1,002,181 1,577,505
Represented by:
Islamic Banking Fund 200,000 200,000

Reserves 802,181 1,377,505
1,002,181 1,577,505
CONTINGENCIES AND - -
COMMITMENTS
Remuneration to Shariah Advisor / Board - -

2009 2008
Charity fund (Rupees in ‘000)
Opening balance --
Additions during the year 1,558 3,490
Payments / utilization during the year (1,558) (3,490)
Closing balance --
40.2 Profit and Loss
Profit / return earned on financings, investments and placements 1,041,820 882,021

Return on deposits and others dues expensed (376,929) (225,837)
Net spread earned 664,891 656,184
Provision against non performing financing (218,492) (123,873)
Net spread after provsions 446,399 532,311
Other income
Fees, commission and brokerage income 168,348 102,847

Other income 510 2,270
Total other income 168,858 105,117

615,257 637,428
Other expenses
Administrative expenses (290,580) (92,237)
Profit before taxation 324,677 545,191
41 DATE OF AUTHORIZATION
These financial statements were authorized for issue in the Board of Directors meeting held on 4 March 2010.

Director

Consolidated Financial Statements

Annexure - 1
Statement in respect of written-off loans or any other financial relief of five hundred thousand rupees or above as required under sub-section (3) of section 33A of
the
Banking Companies Ordinance, 1962 during the year ended 31 December, 2009.
Sr .
Nam e Ad dr es s Na m e o f P a rt n er s / Dir ect o rs F at h er / Hu sb a nd O ut st an di ng L iab ili tie s a t Be g inn in g of Y ea r Am ou n t Wr it ten o ff / C on ce ssi on
No.
NIC / Na m e P r in cip al I nt er es t/ Ma rk up Ot h er s To ta l Pr in ci pa l Int er es t/ Ma rk u p Oth e rs T ot al Bala nc e
CNIC
1 S M UHA MM A D B A QIR H NO 4 5 A LA NE N O 3 GUL IS TA 37 405 53 948 96 5 2 ,30 0,2 41 8,6 79 - 2,7 18, 920 2, 299 ,69 1 41 8,6 79 - 2 ,71 8,3 70
N 41
B UK HA RI C OLO NY RA WA L P
INDI
2 S UGHA RA M A ZH AR F LA T NO 1 1 HA NG ING G A RDE 42 301 51 355 15 2 8 ,69 5,9 1 ,73 4,4 17 - 1 0,4 30, 326 8, 695 ,90 9 1 ,73 4,4 17 - 10 ,43 0,3 26
N 09
K HY A B A N E ROO MI CLIF T
ON
3 S H. M OHA M M AD S HA FIQ UE 2 2 S HA M I RO A D S HA MI B 33 100 01 379 38 5 3 ,09 9,1 68 3,5 11 - 3,7 82, 669 3, 099 ,15 8 6 83, 511 - 3 ,78 2,6 69
LOCK 58
M US LI M T OWN 1 F AI S AL A B
AD
4 JA HA NG IR FA I SA L 5 06 1A , S E A B RE A Z LUX 42 30 116 401 513 3 ,19 5,8 58 4,3 33 - 3,7 80, 220 3, 195 ,88 7 58 4,3 33 - 3 ,78 0,2 20
URY 87
A P P T. BL OCK 5 , CL IF TON ,
N
5 A HM ED UM ER QURE S HI 1 6/3 C A RE A LIA Q AT A BA 42 10 118 942 415 2 ,04 9,8 37 5,1 50 - 2,4 24, 995 2, 049 ,84 5 37 5,1 50 - 2 ,42 4,9 95
D 45
K A RA CHI
6 S H A B DUL R EHM A N 2 89 GUL S HA N COL 2 45 482 34 411 4 ,31 3,4 95 2,4 20 - 5,2 65, 904 4, 313 ,48 4 95 2,4 20 - 5 ,26 5,9 04
ONY 84
F A IS A LA B A
D
7 S Y E DA SA RWA T A F Z AL A 3 80 S EC TOR 14 B S HA 42 10 117 513 350 1 ,19 1,2 43 8,3 51 - 1,6 29, 557 1, 191 ,20 6 51 6,6 77 - 1 ,70 7,8 83
DMA N 06
T OWN K AR AC HI
8 M FA W A D H NO 2 56 S T 9 0 1 -8 /4 I S LA MA B A D 42 301 93 017 27 3 29 ,99 10 ,70 3,2 54 - 4 0,6 97, 680 29, 994 ,42 6 12 ,67 5,4 90 - 42 ,66 9,9 16
4,4 26
9 K HA LID B A SH IR A WA N 1 2 S HE R SH AH B LOCK NE 35 201 60 541 05 1 8 ,99 3,0 3 ,31 1,40 1 - 1 2,3 04, 417 8, 993 ,01 6 3 ,90 2,7 22 - 12 ,89 5,7 38
W 16
G A RDE N T OWN L A
HORE
1 0 M UDA DA R S UHA RWA RDY 2 47 /24 8 Z E E NAT B LO CK AL LA M 35 202 38 436 60 1 1 ,13 8,3 38 5,3 64 - 1,5 23, 688 1, 138 ,32 4 47 9,5 49 - 1 ,61 7,8 73
A 24
I QB A L T OWN L A
HORE
1 1 HO RIA TA US E E F C HOICE D EP A RTM E NTA L S 33 100 90 899 82 3 2 ,19 7,2 93 7,04 1 - 3,1 34, 334 2, 197 ,29 3 91 8,3 45 - 3,11 5,6 38
TOR E 93
3 33 -B P E OP L ES C OLO
NYA IS A LA B A
F
D
1 2 A M JA D NA DE E M H NO 1 97 9 S T 71 I 1 61 101 572 66 707 1 ,92 7,0 66 7,96 3 - 2,5 95,0 02 1, 927 ,03 9 82 7,4 06 - 2 ,75 4,4 45
0/1 39
I S LA MA B A D
1 3 A B DUL R AS HE E D B HA T TI H OUS E NO E 23/ 13 NC 35 201 41 559 98 9 1 ,49 9,9 54 9,9 26 - 2,0 49, 914 1, 499 ,98 8 67 4,0 35 - 2 ,17 4,0 23
AL 88
R EH MA N S T M OHA LL A IS LA M
NA
1 4 M OHA M MA D Z UB A IR 2 58 -A B LO CK- 7 & 8 C. P B E RA 42 10 1140 38 345 2 ,08 5,3 72 9,19 9 - 2,8 14, 581 2, 085 ,38 2 90 1,7 43 - 2 ,98 7,1 25
R 82
S O CIE TY N EA R A G HA KH
AN
1 5 F IDA HUS S A IN H OUS E NO 94 PI R RON KI PA 29 2,79 51 ,56 9,7 85 - 1,8 62,5 80 1, 569 ,78 5 29 2,7 95 - 1 ,86 2,5 80
RK
A M IR R OA D S HA D B A GH
L A HORE
1 6 A F TA B AH ME D H NO A -1 03 /3 S A T TE LI TE T 37 405 05 636 71 9 4 ,49 6,6 1 ,49 3,2 10 - 5,9 89, 907 4, 496 ,69 7 1 ,93 9,1 84 - 6 ,43 5,8 81
OWN 97
R AW A LP IN
DI
1 7 LI A QUA T A LI H NO 5 73 S T 5 HUM A K MO 61 101 84 375 323 1 ,58 4,9 47 7,4 40 - 2,0 62, 394 1, 584 ,95 4 66 1,5 56 - 2 ,24 6,5 10
DE L 54
T OWN IS LA M A BA
D
1 8 M IQB A L NA QV I A B S HA R L ODG E 4T H F LOO R F 42 301 64 398 12 9 1 ,39 1,8 41 9,2 65 - 1,8 11,0 95 1, 391 ,83 0 58 0,9 46 - 1 ,97 2,7 76
L- 30
1 3 K A T CHI M E MO N S T N O
1
1 9 M UHA MM A D RA F IQUE H OUS E NO. 55 ST RE E T 35 202 23 620 24 7 3 ,49 9,5 1 ,05 3,2 94 - 4,5 52, 874 3, 499 ,58 0 1 ,45 9,8 21 - 4 ,95 9,4 01
NO.2 80
, A MIN PA RK B A ND R OA D
L A HORE
2 0 S Y E D A LI M OHI UD DI N H OUS E NO. 18- B M AI N ME 35 202 38 090 52 1 6 ,48 4,6 1 ,88 0,6 81 - 8,3 65, 365 6, 484 ,68 4 2 ,58 3,9 43 - 9 ,06 8,6 27
ER 84
U PP E R M A LL LA HO
RE
2 1 K HA LI D JA MI L P ULL 4 8 V E HA RI 36 603 37 819 48 5 2 ,21 60 0,1 44 - 2,8 13, 201 2, 213 ,05 7 79 7,6 82 - 3 ,01 0,7 39
3,0 57
2 2 M UHMM A D A ZA M RE HMA N A GR O T RA DE RS S A BZ 36 302 13 120 97 7 3 ,29 8,2 42 1,2 76 - 3,7 19, 522 3, 298 ,24 6 42 1,2 76 - 3 ,71 9,5 22
I 46
M A NDI ROA D NE A R DE RA A
DDA
M ULT AN
2 3 NIS A R A HM E D GHA LL A MA NDI, WA ZIR AB A D 34 104 23 122 55 7 6 ,68 89 2,4 01 - 7,5 75, 334 6, 682 ,93 3 89 2,4 01 - 7 ,57 5,3 34
2,9 33
2 4 M UHMM A D A S LA M 48- B GRA IN MA RK E T V E HA RI 36 603 68 095 81 9 2 ,65 1,7 98 9,7 06 - 3,6 41, 504 2, 651 ,79 8 1 ,02 5,0 85 - 3 ,67 6,8 83
98
2 5 M UHA MM A D S A LE E M M.S A L EE 36 20 211 076 303 2 ,19 2,6 35 9,8 40 - 2,5 52, 519 2, 192 ,67 9 35 9,8 40 - 2 ,55 2,5 19
M 79
T RA DE RS ,DUN IYA P UR R OA
D
K E HRO R P A CCA
2 6 M OHA M MA D F A HA D A SL A M H OUS E # 8-I /II, D ' ST RE E 35 202 80 953 25 7 8 ,39 8,0 - - 8,3 98, 000 8, 398 ,00 0 2 ,71 3,0 36 - 11, 111,0 36
' T, 00
CHO UDHA RY P HA S E -V , K HA YA B A N- E- HA F
IZ,
2 7 S A LE E M MUH AM M F LA T NO E GROUN D FL OO 42 000 03 746 67 5 2 ,48 7,5 - - 2,4 87, 594 2, 487 ,59 4 99 4,0 34 - 3 ,48 1,6 28
AD R 94
M A RINE C ORNE R B L OCK 2
S CH EM E 5 C LIF TO
N
2 8 M UHA MM A D Z UB A IR 2 58 -A , C. P. BA RA R, S OCIE T 42 10 114 038 345 8 ,15 0,5 - - 8,1 50, 561 8, 150 ,56 1 2 ,94 8,9 81 - 11 ,09 9,5 42
Y 61
B L OCK NO . 7 -8

Annexure - 1
Sr .
Nam e Ad dr es s Na m e o f P a rt ne r s / Dir ect o rs F at h er / Hu sb a nd O ut st an di ng L iab ili tie s a t Be gi nn in g of Y ea r Am ou n t Wr it ten o ff / C on ce ssi on
No.
NIC / Na m e P r in cip al I nt er es t/ M ar k up Ot h er s To ta l Pr in ci pa l Int er es t/ Ma rk u p Oth e rs T ot al Bala nc e
CNIC
2 9 M AL IK S OHA IL AK HT E F LA T N O. 3 9, 5 TH FL OOR , A 4 23 010 911 423 1 2 ,66 0,0 - - 2 ,66 0,0 83 2 ,66 0,0 83 8 08, 082 - 3,4 68,1 65
R LI' S 83
A P ART M EN T P HA S E I,
D.H.A
3 0 GO OD CH ANC E SE WI I G1/2 1, SH OP NO 4NE A R P OS 4 210 15 415 42 19 75 6,2 - - 75 6,2 35 5 62,5 94 50, 866 - 6 13, 460
NG T 35
M AC HINE & CO OF F ICE OP P OWN P LA
ZA ,
NA Z IMA B A D NO 1 KA RA
CHI
3 1 A ZE E M UDDIN JE WE LLE RY P LO T 5 /27 2N D FL OOR 4 200 00 100 78 05 74 1,3 15 ,57 8 - 75 6,9 34 5 62,5 94 50, 929 - 6 13, 523
UP ON 56
NIA Z I JE WE L ER S A RAF A MA RK E
T
L IA QUA TA B AD K AR AC
HI
3 2 M /S AS HR AF T RA DE RS P LO T # 10 /C, B HA NG 4 210 13 705 86 65 75 0,2 - - 75 0,2 32 51 5,2 22 6, 807 - 5 22, 029

ORIA 32
GO TH ,B LOCK # 2, F B A RE
A,
K A RA CHI
3 3 M /S CIT A UT OM OB IL E TA W A K A L M A RKE T P LO T # 3 83 0211 52 795 3 67 2,3 - - 67 2,3 66 6 72,3 66 35, 879 - 7 08, 245
Y B- 66
7 /8S T RE ET # 4 G AT E -I, QUA
ID- E-
A Z AM ,T RUCK S TA ND HAWK S B A
Y AD , K A RA CHI
RO
3 4 M /S AL I O IL T RA DE RS S HOP # 4 GULS HA N- E 4 220 10 515 00 93 80 7,7 32 ,73 2 - 84 0,5 16 6 48,8 24 45, 952 - 6 94, 776
-A L 84
M US TA FA A RCA DE ,S T RE ET
#
2 ,NE A R S HOE M A RK E T,NIS HT E
R
RO AD , K A RA CHI
3 5 M /S S HA MS I T RA OF F ICE # 305 , 3 421 0111 795 94 3 73 2,7 - - 73 2,7 08 6 63,1 27 66, 696 - 7 29, 823
DING RD 08
COM P AN Y F LO OR,DA RY A L A L S T RE ET ,
JJ
CE NT RE QJO DIA B AZ A R K A RA
CHI
3 6 A L- K AU SA R T RA DE R A L- K A US AR TRA DE RS ,S HO 72 ,36 7 95 2,2 10 - 1 ,02 4,5 77 9 52,2 10 72, 367 - 1,0 24,5 77
P #
3 00RA Z I M A RK E T, DA WOO
D
CHO WRA NGI, K AR ACH I
3 7 Z . H. P I PR ANI AN D COM PA NY 1 4 / 1 7,J UB ILE E M A NSI 4 220 10 655 52 15 1 ,41 2,1 - (3 10, 1 ,10 1,3 79 8 62,2 96 74, 296 - 9 36, 592
ON 90 811)
P RE E DY S TRE E T, RE
GA L
CHO WK , S A DDA R, K A RA CHI
3 8 NA NA MA NA G EM E NT P VT LT D 1 01 F IRS T F LOO R,P ROG RE SS 4 22 0115 39 148 9 83 9,9 17 ,76 0 - 85 7,7 30 8 39,9 70 81, 868 - 9 21, 838
I VE 70
S QUA RE ,M A IN S HA HRA H- E
-
F AI SA L , K A RA
CHI
3 9 M /S ORIE NT A L B US INE S P LO T # 39 7- A ,NE W TR 4 22 0113 79 353 7 77 5,9 28 ,95 8 - 80 4,9 49 7 38,6 17 25, 655 - 7 64, 272
S UCK 91
S E RV ICE S TA ND, HAWK S B A Y KA RA
S CHI
4 0 M /S MA G NA Z E NT E RP RIS E S 1 9/F, F- MA RK E T,B L 4 210 13 096 76 81 74 6,0 59 ,69 9 - 80 5,7 66 7 46,0 67 73, 366 - 8 19, 433
OCK 67
6 P.E .C.H. S . K A RA
CHI
4 1 A L - S HA MS CR OK E RY S HOP N O # 58N EW BO LTA 4 230 18 738 28 09 71 0,9 12 ,31 5 - 72 3,2 51 7 04,4 32 10, 847 - 7 15, 279
N 36
M A RK ET ,M A JIN NA H ROA D,
K A RA CHI
4 2 M /S MA LV A N E NT ER PR IS ES S HOP # 2, HA RIS V IE W, P LO T 4 230 10 895 60 93 66 5,3 12 ,41 7 - 67 7,7 85 5 30,5 02 45, 837 - 5 76, 339
#9- 68
C,2 ND S UN S E T, LA
NE
CO MM E RCIA L A RE A ,P HA S E
2,
E X T, DH A, K A RA
CHI
4 3 M /S PA K E NT E RP RIS E S S UIT E # 2, M A 4 210 15 581 99 15 72 1,8 43 ,35 0 - 76 5,2 35 7 21,8 85 70, 129 - 7 92, 014
ZNI NE 85
F LOO R,P LO T # 26 -C, LA NE
4,
S HA HB A Z COM ML AN E, OF F
26
S T RE ET , P HA S E 6, K A RA CHI
DHA ,
4 4 M /S IS MA IL A ND B ROT HE RS S HOP # 4, S T # 2NE W SA 4 21 0117 54 619 1 67 1,9 3 ,78 5 - 67 5,7 61 51 0,9 87 44, 308 - 5 55, 295
BZI 76
M A NDIS UP E R HIG
HWAY
K A RA CHI
4 5 M /S B IS MI LLA H M IL K CE S HOP # 1S T RE ET # 10A RT LA 4 23 0110 81 637 3 7 43,1 12 ,96 4 - 75 6,0 81 7 13,8 99 10, 882 - 7 24, 781
NTRE RYURNS RO A D K A RA CHI 17
& B A B A I S HA Q DA IRY F AR B
MS
4 6 M /S B IS MI LLA S HOP # G- 11 & 1 2, RA ZA M OB 4 220 10 529 40 01 75 4,7 27 ,40 5 - 78 2,1 26 7 54,7 21 25, 770 - 7 80, 491
H ILE 21
COM M UNICA TIO N CIT Y NA TIO NA L HIG H WAY M A
LIR
CIT Y K A RA CHI
4 7 M /S NE W LI FE G P LO T # 11- A , S HOP # 12 K P - 61 2,5 23 - 61 2,5 23 6 12,5 23 34, 843 - 6 47, 366

OODS T
T RA NS PO RT B UIL DING, CROWN
CO
CIN EM A TRUCK ST A ND, M A RIP
UR
K A RA CHI
4 8 S IGN ME DIA A DV E RTI SI NG S P -1 ME Z ZA NI NE F LOO R B 4 21 0119 17 518 1 1 ,06 2,2 15 ,01 6 - 1 ,07 7,2 60 1 ,01 7,2 60 70, 734 - 1,0 87,9 94
LOC K- 44
2 AL K A RA M S QU AR E KA RA
CHI
4 9 M /S MA S OO D & JA M IL I P LO T # 16 , S T- 5, S ECT P R 3 4 220 16 585 67 95 78 7,8 71 ,92 2 - 85 9,7 51 7 67,1 74 11, 943 - 7 79 ,117
CE 1- 29
FA CT ORY B ,K ORA NG I P E NE TH 5 K A RA
CHI
5 0 A A RA S S HIP P ING A GE NCI E S 7 01,7 T H FL OOR ,B US 4 230 10 952 64 65 93 2,5 57 ,17 7 - 98 9,7 60 9 32,5 83 92, 027 - 1,0 24,6 10
INE S S 83
P LA Z A , M UMT A Z HA S S A
N
RO AD , OF
F
I.I .CHUNDRI GA R RO AD , K A RA CHI
5 1 M /S AF A Q B RO THE RS RO OM # 4 8, A URA NG ZA 4 210 14 289 87 73 50 0,3 24 ,72 9 - 52 5,0 65 5 00,3 36 43, 552 - 5 43, 888
IB 36
M A RK ET M A J INNA H ROA D
K A RA CHI
5 2 Z -A E NT E RPR IS ES OF F # 2 04 ,2ND FL OOR, AR 4 21 0116 83 949 1 1 ,05 2,5 54 ,07 4 - 1 ,10 6,6 66 1 ,05 2,5 92 54, 074 - 1,1 06,6 66
FA T 92
CHA M B E R,ZA K A RIA L ANE ,
JODIA
B A ZA R. K A RAC HI
5 3 M UHA MM A D NA Z IR P LO T # B - 31,S T A R GA 4 220 15 123 97 09 90 0,1 - ( 8,6 74) 89 1,4 80 7 84,7 05 52, 028 - 8 36, 733
TE , 54
OP P O SI T A IR P O RT.S HA HRA H-
E-
F AI SA I L K A RA
CHI
5 4 UM A IR T RA DER S A A / 1 55 -D P UL S HAH NA ZA 3 740 54 902 51 21 85 4,3 30 ,50 1 - 88 4,8 66 61 6,0 00 30, 149 - 6 46, 149
R 65
DE WA NJA M IA MA S JID ROA D,
RA W A LP
INDI
5 5 A L- A BI D DA W AK HA NA OF F ICE # 377 3 740 52 965 92 77 62 7,4 25 ,07 7 - 65 2,5 49 5 38,7 32 17, 702 - 5 56, 434
-A , 72
NE A RDIS P E NS E RY GRO
UND
T E NCH B HA TT A RA W A LP
IND I
5 6 S HA FA NA 2 52 S CH OOL LA NE 3 740 56 189 41 77 1 ,38 1,62 24 ,76 8 - 1 ,40 6,39 6 1 ,17 2,4 21 80, 418 - 1,2 52,8 39
RA 8
B A ZA RC ANT T RA W


Annexure - 1
S r.
Nam e Ad dr es s Na m e o f Pa r tn er s / Dir ec to rs Fa th er / H us ba nd O ut st an di ng L iab ili tie s a t B eg inn in g of Y ea r Am ou n t Wr it te n o ff / Con ce ss ion
No.
NIC / N am e P r in cip al Int er es t/ Ma rk u p O th er s To ta l P rin c ipa l In ter es t/ Ma rk u p Ot he rs T ot al Bala n ce
CNIC
57 JA L AL DE E N S HO P # 1 -2, DURA NI P L AS 4 24 012 020 22 27 66 2,7 2 2,29 8 - 68 5,0 25 6 62, 727 32 ,63 3 - 6 95, 360
T IC 27
S T ORE ,A K B A R MA RK E T, NE A
R
HA B IB B A NK ,A LI GA RH B A Z A
R,
K A RA CHI
58 S Y E D AT TA M UHA MM A D P L OT NO 5 /45 /A SH OP NO 35 4 22 015 862 95 85 56 5,5 - - 56 5,5 41 5 12, 712 - - 5 12, 712
AL 41
M A DINA M ARK E T MO DE
L
CO LON Y N EA R LE E MA RK E
T
K A RA CHI
59 GH ULA M ZA M IN DUR RA NI P L OT # B - 52 3,B HA NGO 4 22 017 224 49 83 67 5,1 3 9,26 2 - 71 4,3 92 6 75, 130 60 ,87 4 - 7 36, 004
RIA 30
T OWN,B L OCK - 2,F .B . A RE
A,
NE A R Q A DRIA MA S JID K AR AC
HI
60 A LI GOH AR L -50 1,S HE RE N JINNA 4 23 015 502 06 53 50 9,0 1 5,09 1 - 52 4,1 73 5 09, 082 41 ,70 3 - 5 50, 785
H 82
CO LON YCL IF TO N K A RA
CHI
61 M OHA M MA D A B DUL M A JE E D S # 2A -1 7 , B LOCK - 19R AS HI 422 011 290 649 5 1 ,25 9,5 9 3,29 3 - 1,3 52,8 11 1,2 59,5 18 93 ,29 3 - 1,3 52 ,811
D 18
M INHA S RO AD F B A RE
A
K A RA CHI
62 M OHA M MA D I LYA S QUR ES HI S HO P# 2, OP P S HE LL P E T 4 25 018 347 17 73 88 9,6 6 9,45 1 - 95 9,0 91 8 89, 640 84 ,67 6 - 9 74, 316
ROL 40
P UM P,M A IN Q AI DA BA D, K A RA
CHI
63 M UHA MM A D B A S HIR M E MO N S HO P# 13 ,A L M A NS 423 011 685 173 5 74 1,3 5 7,24 6 - 79 8,6 09 7 41, 363 69 ,93 3 - 811, 296
OOR 63
P L AZ A ,NE A R DA K
HNI
M A S JID,P A KI S TA N CHO
WK,
K A RA CHI
64 K HA WJA AZ IZ UR R EH MA N L S A- 1- 7,S T RE E T# 4,B L 4 21 012 366 92 33 80 4,2 - - 80 4,2 72 7 80, 813 11 ,51 3 - 7 92, 326
OCK # 72
1 0,G ULS HA N-E - IQB A L K A RA
CHI
65 M A LTA F BU TT H # 3 3, S T #1 K ACH UP URA FA 3 52 025 366 74 75 76 9,0 - - 76 9,0 99 6 70, 252 - - 6 70, 252
IZ 99
B A GH LA HORE
66 WA HE E D JA VA ID KH AN O FF NO. 20 7,2 ND F LOO R, 7 3 52 025 108 40 93 56 3,2 - - 56 3,2 59 5 10, 455 - - 5 10, 455
5- 59
L ,CE NT URY TOW ER, MA
INOU LE VA RD, GULB E RG -II
B
I.
L A HORE
67 HA B IB UR RE HMA N S HO P# 12 -A , 1 3- C,S HA H FA I 4 22 016 097 48 49 59 4,6 - - 59 4,6 96 5 94, 696 39 ,02 3 - 6 33, 719
SA L 96
CO LON Y,NE A R A -1 HOS P ITA
L,
K A RA CHI
68 A NWE R B A IG S HO P # 2 /14 4 21 016 966 48 67 63 7,9 - - 63 7,9 00 6 37, 900 43 ,18 0 - 6 81, 080
& 00
5 /12 9COM M ER CIA L
A RE A ,L IA QUA TA B AD , K IRY AN
A
M A RK E T, K A RA CHI
69 M UHA MM A D S A LE E M L IYA RI GE NE RA 4 23 013 97 339 21 70 0,9 1 0,94 7 - 7 11,8 55 6 39, 512 - - 6 39, 512
L 08
HO S PI TA L,P L OT # 1 044 ,NE
AR
F OO TB A LL S TA DIUM K A RA
CHI
70 M OHA M MA D HA JI TA M EE P L OT NO RC 323 /4RA B IA M A NZI 423 011 044 90 71 71 9,8 4 2,7 72 - 76 2,6 18 7 19, 846 66 ,41 9 - 7 86, 265
N L 46
L AT B HA W A N JE E
E
S T RE E TRA NCH ORLI NE K AR
ACH I
71 G HULA M A HM E D S IDDI QUI HA JI AB B A S CE NT RE ROOM # 4 22 010 74 165 91 62 7,3 - ( 71 ) 62 7,2 78 5 90, 937 50 ,05 6 - 6 40, 993
4 49
F IRS T FL OO RHAWK S B A Y ROA
D
K A RA CHI
72 Q AM A R UDDI N Z ARI A O FF ICE # 10 5, 1 S 4 22 010 50 752 95 7 11,8 2 4,5 08 - 73 6,3 77 7 07, 749 - - 7 07, 749
T 69
F LO OR,CRO WN S QUA RE , B LK
#
1 3- A, GULS HA N- E -IQ BA
L , IV ER SI TY RO AD , K A RA
UN
CHI
73 A B DUL SA L A M S HO P # 1 , R 6 95S E C 11 -C/ 3DIS 421 011 767 193 9 69 0,7 3 3,53 5 - 72 4,3 17 6 90, 782 33 ,53 5 - 7 24, 317
CO 82
M OR, NORT H K A RA CHI K A RA CHI
74 A B DUL M A JE E D HA JI PA RK 2 -RE HM AN P 3 52 029 265 94 05 1 ,27 8,7 112 ,99 5 - 1 ,39 1,7 69 1,2 78,7 74 112 ,99 5 - 1,3 91, 769
URA 74
L AH ORE
75 A HM A D K HA N ( LAT E ) 2 6-3 RD F LO ORCA VA 3 32 021 586 38 39 58 0,7 2 5,13 0 - 60 5,8 44 5 80, 714 30 ,82 6 - 611, 540
LRY 14
CE NT RE ,CA VA L
RY
CO MM E RCIA LA RE A ,L AH
ORE
CA NT T LA
HORE
76 S IK A NDA R B A K HT QURE S HI S D- 45, FA LCO 3 52 027 846 29 47 1 ,07 5,3 37 ,28 5 - 1,11 2,6 28 1,0 75,3 43 37 ,28 5 - 1,1 12, 628
N 43
CO MP LE X ,G ULB E RG 3 L AH
ORE
77 M OHA M MA D RA F IQ KH AN H# 10 -A , S T # 2 -A P RE 3 52 020 278 50 27 47 9,8 2 8,23 8 - 50 8,1 26 4 79, 888 44 ,00 2 - 5 23, 890
M 88
NA G AR RA JGA RH L A HORE
78 M UHA MM A D Y OUS A F H# 53 ,S T # 14 , M OHA L A NA B 3 52 022 631 67 25 92 6,7 - - 92 6,7 82 8 32, 423 - - 8 32, 423
I 82
P A RK ,RAV I ROA D, L A
HORE
79 A B DUL J AL E E L H # 2 24,D MO DE L T 3 52 022 754 18 07 83 9,2 - (7 9,9 75 9,3 48 6 57, 833 46 ,36 7 - 7 04, 200
OWN, 70 22 )
L A HORE
80 A LI JA A N CRY S TA L NOT E B OOK A L MA IRA 3 52 025 87 494 27 71 9,8 1 3,48 3 - 73 3,3 29 7 19, 846 64 ,72 2 - 7 84, 568
J 46
CE NT RE 22 URDU B A Z A
R
L A HORE
81 S HE IK H M OHA M MA D SO HA IL L UCK Y TRA DE RS 1 352 020 94 1174 3 1 ,00 2,1 1 6,15 1 - 1 ,01 8,3 33 1,0 02,1 82 16 ,15 1 - 1,0 18, 333
0- 82
M ONT GO ME RY RO AD LA
HORE
82 M UK HTA R A LI 4 76- A ,B LO CK -B ,NE W T OHE 3 52 028 937 77 83 69 8,0 1 0,08 4 - 70 8,1 83 5 58, 228 - - 5 58, 228
ED 99
P A RK , GUL S HA N RA VI , LA HO
RE
83 M UHA MM A D S A DIQ 1 - S A INT M AR Y' S P A RK ,GUL BE 3 52 017 192 32 81 60 0,8 9,84 4 - 61 0,6 83 5 37, 445 - - 5 37, 445
RG 39
- III.. LA HO
RE
84 S HE IK H HA B IB A HM E D (L AT E ) S UIT E # 181 S T F LO ORK HA W 3 52 022 559 09 39 55 4,3 - - 55 4,3 04 5 54, 304 - - 5 54, 304
A JA 04
A RCA DE WA HDA T ROA D L AH
ORE

Annexure - 1
S r.
Na me Ad d re ss N am e o f P ar tn er s / Dir ec to r s Fa th er / Hus ba nd Ou ts tan d in g L ia bil iti es at Beg in ni ng o f Y e ar Am o un t Writ te n of f / Con c ess io n
No .
NIC / Nam e Pr in ci pa l In ter e st/ Ma r k u p O th er s T ot al P ri nc ip al In te re st / M ar k u p Ot he r s To ta l Bal an ce
CNIC
85 B A DA R CL OTH & FO A 16 - M A CLE OD ROA DA S LA 352 022 928 42 27 6 44, - - 64 4,01 5 57 6,3 50 2 7,6 21 - 6 03, 971
M M 015
CE NT E A RCA DE LA HO
R RE
86 S A MO B ILE CI TY 32 -H, BL OCK CO MM E RCIA 352 012 825 39 17 9 33, 1 9,4 49 - 95 3,34 4 7 11,0 57 9,3 06 - 7 20, 363
L 895
A RE A PHA S E I DHA CAN
TT
LA HO RE
87 CH. AB DUL HA FE E Z AN D CO 30 CHA RA GH DI N ROA DM OZ A 352 025 968 06 79 9 39, 1 6,9 19 - 95 6,37 9 93 9,4 60 1 6,9 19 - 9 56, 379
NG 460
LA HO RE
88 WE LL TRA DI M/ S WE LL T RA 352 001 496 49 61 5 51, 2 0,1 89 - 57 1,86 9 51 0,5 76 7,2 39 - 5 17, 815
NG DING 680
CO RP ORAT IO N CORP O RAT IONS UI T # 20 ,1S
T
F LOO R,K HAW A JA A RCA DE ,17
WA HDAT RO AD, LA HOR
E
89 JA V E D E LE CT RIC S TO RE 51 6 P ICCO ROA D, 352 01 376 000 11 1,0 12, 3 6,6 01 - 1 ,049 ,28 8 75 8,9 06 1 0,2 44 - 7 69, 150
KO T 687
LA K HP AT,O P PO S ITE T RE
ET
B LA DE FA CT ORY , LA HO
RE
90 B IL AL TRA DE R WIRE ROP E OP P S HA HA B S WE ET S ,B 352 026 849 14 87 7 66, 11,2 38 - 77 7,46 0 55 9,2 84 4 2,6 07 - 6 01, 891
AO 222
S HOA IB M A RK ET ,MIS RI S HA
H
LA HO RE
91 Y OUS A F F OOD I NDUS TRI 26 -K M MA IN MULT AN ROA D,NE A 352 022 200 49 37 9 90, - - 99 0,64 8 98 1,2 02 1 4,6 69 - 9 95, 871
ES R 648
P V T B AT A F A CTO RY, L AH
LTD ORE
92 A LI CLO TH H OUS E S HOP # 1, B IL 352 026 568 99 21 1,8 08, - - 1 ,808 ,33 8 1 ,80 8,33 8 - - 1,8 08, 338
AL 338
M ARK E T,L A HORE B LO CK AZ A
M
CLO TH MA RK E T, L AH
ORE
93 Y OUN AS B E E F S HOP S HOP # 1, U SM A N M AR KE 352 022 426 16 71 1,5 83, 3 0,8 43 - 1 ,613 ,94 7 1 ,44 7,53 2 - - 1,4 47, 532
T, 4 104
Z AI LDA R RO ADI CHHRA LA
HORE
94 L ODHI E NT E RP RIS E S 4- A , CHINA T OWE R,S HA HA 352 027 368 01 09 1,3 30, 3 9,0 63 - 1 ,369 ,79 8 1 ,21 2,28 2 1 8,5 08 - 1,2 30, 790
LA M 735
MA RK E T, LA
HORE
95 CRY S TA L PUB L ICAT IO NS A L- ME RA J CE NT E R,22 352 026 604 59 29 1,3 30, 2 1,9 26 - 1 ,352 ,66 1 1 ,33 0,73 5 11 5,3 27 - 1,4 46, 062
URDU 735
B A ZA R, LA
HORE
96 A L- RIZ WAN DY ING S TO P # 2 5,NE A R WA 352 011 287 499 7 1,3 81, 24, 118 - 1 ,405 ,74 6 1 ,35 3,86 1 9 3,4 01 - 1,4 47, 262
SA 628
DIS P OS A LJI YA MU SA ,S HA
HDRA
LA HO RE
97 WA LI TRA DING COM PA NY H # 14 , S T # 52 -A ,M A IN B A 384 037 409 15 45 7 64, 6,5 95 - 77 0,63 7 73 7,0 00 - - 7 37, 000
ZA R 042
S HA K AR GA RIA NT OHE E DA BA
D, VI ROA D L AH
RA
ORE
98 WA MA L E E INTE RNA T IONA ROO M - 30 1, 3 RD F LOO RA SH 352 021 489 52 93 8 34, 5 1,1 08 - 88 5,27 3 83 4,1 65 5 1,1 08 - 8 85, 273
L RAF 165
P A KI ST A P LA Z A, 17- M ECL OA D RO A
N D
LA HO RE
99 Z A FA R T RA DING CO ROO M # 2 27- 352 024 990 92 23 9 02, 1 9,0 39 - 92 1,39 5 67 2,0 87 63,0 11 - 7 35, 098
228 356
Z ULQA RNA INC HAM B E
RS
GA NP AT RO AD LA
HORE
10 0 A F ZA L A HM E D H# 40/ 13 1 S T F LO OR S E CT 425 010 834 27 27 1,8 32, 3 2,7 23 - 1 ,865 ,65 5 78 2,0 76 - - 7 82, 076
OR 932
11/ G NORT H K A RA CHI
10 1 Z E E SHA N JA MA L RUF I HE A VE N F LA T NO 422 017 217 05 13 1,8 32, 3 3,1 29 - 1 ,865 ,97 7 72 7,6 39 - - 7 27, 639
D3 11 848
GUL S HAN -E -IQ B AL B LOCK 1 3-
D/2
10 2 A GHA IF T IK HA R HOUS E # 2 S A B RI B UI 352 021 914 78 59 2,8 50, 4 8,8 15 - 2 ,899 ,77 2 1 ,59 5,69 8 - - 1,5 95, 698
LDING 957
NE A R CA LT EX O IL DE P OT P E
CO
ROA D
10 3 A HS A N E LL A HI M AL IK F LAT P 9 S TA R S HE LTE RS B 420 000 574 54 51 4 83, 8,4 89 - 49 1,71 4 46 8,3 22 4 2,0 93 - 5 10, 415
L 18 225
GUL IS TA N E JO HA
R
10 4 B IL AL AH ME D 21 -A -11 18 TH KH AY B A 42 30111 06 687 7 5 55, 9,2 51 - 56 4,56 7 52 6,9 32 7,4 57 - 5 34, 389
NE 316
TA UHE E D P HA S E 5 DH
A
10 5 M A SL A M 3RD FL OOR SA 423 018 613 02 37 5 57, 1 3,4 94 - 57 0,63 7 57 1,5 57 7 6,1 55 - 6 47, 712
UD 143
CHA M BE RHA S A N A LI A F FA
NDI
ROA DIL YA S
10 6 M UHA MM A D A SH FA Q H NO 10 2S T # 36 GUL SHA 374 030 654 13 89 4 96, - - 49 6,02 4 48 6,0 68 55,1 15 - 5 41, 183
N 024
A B AD ADY A LA ROA DRA W A LP
INDI
10 7 M UHA MM A D S HA HID IQ B AL HOUS E NO 36 ,10 423 011 228 090 5 4 96, - - 49 6,09 4 50 1,0 19 8 1,63 2 - 5 82, 651
TH 094
COM ME RCI AL S TRE E T P HA SE I
V
D.H.A S IDDI QUE S UNS E T C
LUB
10 8 M UHA MM A D HA NIF P -5 7, S T NO 3 HA S SA N PUR 3 31 000 749 33 91 4 49, 1 9,2 88 - 468 ,83 2 43 3,4 87 10 1,66 0 - 5 35, 147
A 544
DHUDI WA L A SI ALV I GE NE RA
L
10 9 P E RVA IZ M A NZO OR 39 5 A E SA M A N P ARK JO HA 3 52 020 541 34 17 4 99, 2 6,0 44 - 525 ,76 5 49 9,7 32 9 3,73 5 - 5 93, 467
R 721
TO WN
110 S HA HID N AZ IR C 1 6 B LO CK 13- DGUL S HA 4 22 010 707 37 85 4 89, 1 0,1 53 - 499 ,32 5 50 1,78 5 8 3,48 2 - 5 85, 267
NE 172
IQB A L KA RA CHI
111 K HA NZ AD A Q A IS AR 96 -E M ODE L T OWN L A HORE 3 52 001 561 61 51 4 39, 1 9,4 15 - 459 ,37 3 43 3,07 3 7 2,56 4 - 5 05, 637
958
112 HUS S A IN A LI K HAN A 148 B LO CK 2GUL S HA N E IQB 422 010 431 07 69 8 22, 1 6,9 70 - 83 9,65 8 80 8,1 04 13 5,0 80 - 9 43, 184
AL 688
K A RA CHI


Annexure - 1
S r.
No.
CNIC
113 M OHD R EHA N S HAI K H H NO A /116 -3 4-2 03 ,HIRA B A DNE A 4 13 036 370 64 37 46 3,4 10 ,39 1 - 47 3,8 72 4 54, 212 74 ,37 7 - 5 28, 589
R 81
L A L M AS JI D HY DE RA B A
D
114 RIZ WA N AY Y A Z 2 51/ 1 Z -P HA S E -II IDHA CA 352 011 454 523 3 48 8,6 - - 48 8,6 60 4 76, 144 49 ,15 7 - 5 25, 301
NT T 60
L A HROE
115 S RE HA N S HA H B 9 FA RHA N S Q UA RE S E CTO R 50 257 384 92 8 43 7,8 8,91 6 - 44 6,7 18 4 38, 671 61 ,77 9 - 5 00, 450
15 02
A /5 B UFF E R Z ONE NO
RTH
K A RA CHI
116 NA S E E R A HME D 6 7/C 11T H COM ME RC IA L S T 423 011 313 648 5 46 3,1 4 2,50 2 - 50 5,6 83 4 63, 181 52 ,51 9 - 5 15, 700
REE T 81
P HA S E II, E X T ,
D,H,A
117 M OHA M ME D A S LA M HO US E # A - 20 P A RO WA 4 13 062 158 56 33 1 ,10 3,7 8 4,25 4 - 1 ,18 8,0 17 1,1 03,7 63 83 ,03 1 - 1,1 86, 794
DHO 63
WA H RO A D,NOO RA NI NA GA R
Q AS I M A B A D,DIS T
RICT
HY DE RA B A D,
118 M OHA M MA D A HS A N M AL IK H # 1 58, S TRE E T # 6 4, S E CT OR 611 0119 51 868 5 72 4,2 5 6,51 6 - 78 0,7 60 7 24, 244 53 ,10 0 - 7 77, 344
G- 44
8 /1, IS LA MA B A
D.
119 K A B E ER K HA N R- 15 0 E V E RGRE E N B A NGL 4 22 014 447 05 67 54 3,1 4 2,84 6 - 58 6,0 29 5 43, 183 63 ,39 6 - 6 06, 579
OW 83
G ULS HA N E IQ B A L 13
D/3
120 K A S HIF QUDDU S HO US E # 2 19S T RE E 611 010 115 784 1 44 3,9 2 2,37 7 - 46 6,2 94 4 45, 842 79 ,88 6 - 5 25, 728
T # 17
7 4S E CTO R # G-9 /3I SL A MA B A
D
121 A M IR M AH MO OD H NO.1 3/B S HA HID ROA DS 3 52 017 022 02 05 49 2,9 25 ,30 1 - 51 8,2 84 4 94, 908 89 ,15 1 - 5 84, 059
UNNY 83
CHO WK CA NA L P OIN T HO US
IN
122 A HM E D NA DE E M H NO 3 -B S T N O 72 F- 611 012 117 739 1 76 3,6 8 5,13 2 - 84 8,7 67 7 63, 635 1 70 ,42 9 - 9 34, 064
8- 35
3 IS LA M AB A D
123 M E HMO OD ILY A S K HA N H NO C- 25, B LOC K HNORT 4 21 016 393 96 57 49 5,0 2 2,26 9 - 51 7,3 62 4 97, 018 77 ,70 6 - 5 74, 724
H 93
NA Z IM AB A D K A RA CHI
124 A B DUL S A M I S A GG U P A K IS TA N RE V E 3 74 051 725 79 21 87 3,3 9 7,27 6 - 97 0,6 56 8 21, 408 1 34 ,96 1 - 9 56, 369
NUE 80
A UT OM AT ION P VT LT D HA LL #5
06
5 TH FL OOR A VA CUE E T RUS
T
IS L A MA B A D COM P LE X S IR A G
HA
K HA N RO A D
125 S A LE E M JA HA NGIR H # 2 91- A 7T H ROA DNE 3 74 053 556 04 25 49 5,8 3 7,79 4 - 53 3,6 21 4 85, 846 88 ,74 5 - 5 74, 591
W 27
M A LLP UR SA T EL LIT E T
OWN
RA W A LP
INDI
126 S Y E D M EH DI RA Z A C- 7 S E A PA 4 23 012 916 81 35 49 8,8 3 3,95 1 - 53 2,7 54 4 88, 827 77 ,24 3 - 5 66, 070
RK 03
A P P ART M EN TB LO CK -2 CLIF T
ON
K A RA CHI
127 K A MR AN A K RA M B UT T H NO.1 3/1 58 MOH AL LA 346 032 110 279 5 49 9,7 1 6,55 0 - 51 6,3 29 4 99, 779 72 ,37 5 - 5 72, 154
H 79
T IB AT A NCHI S IA L K
OT
128 HA S A N S A E E D H NO 1 6, S T RE E T N O 10 B LOC 4 20 004 495 36 07 46 0,4 2 4,16 0 - 48 4,5 79 4 60, 419 83 ,64 5 - 5 44, 064
K 4- 19
D, NA ZI MA B A D K A RA CHI
129 E HS A N E LA HI MA L IK 5 87- G G ULS HA N E RA V I 2 734 1113 035 49 2 2,06 4 - 51 3,6 58 4 93, 519 77 ,09 8 - 5 70, 617
1,5 94
130 M IA N FA RO OQ A M IN 3 14- GG PHA S E 4 DHA LA 3 52 013 759 87 35 59 9,2 1 7,24 6 - 61 6,5 41 5 99, 295 84 ,18 6 - 6 83, 481
HORE 95
O PP H AL E E M CA M P US LA HO
RE
131 A S MA JA V E D 1 57 F 2 JOH AR TO WN 3 52 022 269 46 68 46 7,7 2 1,20 3 - 48 8,9 34 4 67, 731 73 ,44 7 - 5 41, 178
31
132 IM RA N M A HMO OD 9 9-B PCS I R HOUS IN 3 52 026 452 25 49 45 3,5 8 7,93 8 - 54 1,4 83 4 35, 477 1 21 ,74 7 - 5 57, 224
G 45
S OC IE TY P AR K- I L A
HORE
133 M UHA MM A D RIA Z K HA N H NO S -2 /81 4S A UDA B A DMA L 4 22 017 441 65 13 45 3,6 2 3,44 8 - 47 7,0 58 4 53, 610 82 ,05 4 - 5 35, 664
IR 10
T OWN
134 S HA HID A NWA R B /1 81S E CT OR 1 1/B NORT 4 20 000 537 76 17 43 5,6 8 5,44 4 - 52 1,1 41 4 29, 032 1 29 ,63 0 - 5 58, 662
H 97
K A RA CHI, K AR ACH I
135 M OHA M MA D I NAM H NO 2 80B UK HA RI 424 011 935 916 9 49 9,3 2 2,52 6 - 52 1,8 66 4 99, 340 78 ,30 1 - 5 77, 641
40
CO LON YB A NA RUS RO UND
A B OUT O RAN GI
T
136 S A LM A N A HME D A 17 4/1 B LO CK V IIIK .A . E. 4 20 000 46 639 43 57 9,9 2 6,08 7 - 60 6,0 26 5 79, 939 90 ,86 5 - 6 70, 804
C.H. 39
S O CIE TY K A RA
CHI
137 M IRZ A S HO A IB B A AI G HO US E #D- 117- A B LOCK 4 F 4 21 019 227 49 95 45 3,9 1 9,09 7 - 47 3,0 51 4 53, 954 46 ,96 9 - 5 00, 923
B 54
A RE A
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ICE 56
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L AN DHI NE A R UF ONE OFF
ICE

Annexure - 1
Sr .
No.
CNIC
14 1 IRFA N J A MIL 2 06- C,CL IFT ON GA RDE N I IB 42 301 48 407 94 1 5 61, 94, 212 - 65 6,0 62 5 37, 584 11 5,8 13 - 65 3,3 97
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502


Annexure - 1
S r.
No.
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169 M S AL E E M A 11 RO OF I COT TA GE S B LK 1 4 22 010 721 24 85 8 99 ,93 10 1,7 49 - 1 ,00 1,6 87 89 9,9 38 14 1,0 26 - 1, 040 ,96 4
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4
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T 8
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HA S E 4
7 D HA K A RA CHI
192 P ARV E Z 12 74/ 15B L OCK -1 5F.B A RE 50 149 68 439 2 4 56 ,16 10 2,1 89 - 55 8,3 53 42 1,9 84 13 1,3 67 - 553 ,35 1
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E 5
HAY A TS HA HDA RA MO R

Annexure - 1
Am ou nt s in Ru pe e s Am o un ts in R up ee s
S r.
No .
CNIC
197 TA RI Q M A QS OO D NA JA M H NO 147 1 S T NO 19 MA K K A 3 52 025 97 760 19 479 ,15 - - 4 79, 151 498 ,97 3 8 3,7 71 - 5 82, 74 4
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COL ONY GU LB E RG I
II
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K AR AC HI.
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496 ,18 5
200 A RS HA D A LI H-2 B LOC K- 7S E C F -7 /2I S B RA 6 110 19 035 45 31 626 ,63 12 ,41 6 - 6 39, 050 638 ,76 1 10 9,2 39 - 7 48 ,00 0
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218 M A SK A RI HOUS E C- 22 7B LO CK -6F .B .A RE 4 21 011 669 90 69 716 ,19 14 ,71 0 - 7 30, 902 642 ,77 4 10 5,4 29 - 7 48 ,20 3
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75 1


Annexure - 1
A mo un ts in Ru pe es
S r.
No.
CNIC
2 25 FA RRUK H M US TA FA HOUS E NO 195 0 C/ 1 S T RE ET 210 72 069 954 4 34 , 8,8 51 - 44 3,5 40 4 34,9 98 81,9 16 - 51 6,91 4
NO 689
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142
2 37 MUH AM MA D IQB A L FL AT NO B - 2 P L OT NO 1 4 230 19 722 27 43 4 82 , 9,3 59 - 49 1,8 61 4 99,4 53 90,8 87 - 59 0,34 0

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Annexure - 1
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Annexure - 1
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2 81 A TIF UDD IN HO US E NO R /22 5 B LO CK 421 01 226 04 001 5 45 ,13 - - 545 ,13 6 63 0,0 94 - - 6 30, 094
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511 ,411

Annexure - 1
Sr .
No.
CNIC
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337 A RIF A LI H NO 2 57 6 B LO CK 44 33 100 415 31 955 4 04 ,25 - - 404 ,25 9 61 3,2 20 - - 6 13, 220
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344 M R M FA HA D F A HA D COM M UNICA TI 33 100 086 02 913 113 ,76 - - 113 ,76 2 63 6,5 83 - - 6 36, 583
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6
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616

Annexure - 1
Sr .
No.
CNIC
365 A B DUL H AK E E M HO US E # 3 9 B LO CK # 9 4 240 132 72 807 3 544 ,88 - - 5 44, 885 845 ,34 6 - - 8 45 ,34 6
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Annexure - 1
S r.
No.
CNIC
393 M A LIK WA HE E D UZ Z A MA N F LA T # 3 7-B , K EH KS A N T A 422 017 67 470 43 59 2,7 - - 5 92,7 65 5 62 ,35 7 33 ,85 3 - 596 ,21 0
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395 IRF A N A B DUL M OHA M MA D F LA T # A 10 A M E E NA PL A 421 011 731 50 73 58 1,5 1,7 53 - 5 83,2 57 4 83 ,76 6 5 ,13 1 28 ,86 2 517 ,75 9
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NO 2 55
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I

Annexure - 1
Sr .
No.
CNIC
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Annexure - 1
S r.
No.
CNIC
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Annexure - 1
S r.
No .
CNIC
47 7 M UHA M MA D M US HTA Q C HA K NO-5 2 A NB L UDDGE WA 384 03 325 918 93 5 54,6 - - 5 54,6 13 5 54 ,61 3 28 ,52 8 - 5 83 ,14 1
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Annexure - 1
Am o un ts i n R up ee s
S r.
No.
CNIC
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e

Annexure - 1
Sr .
No.
CNIC
50 6 RE GE NCY T EX T IL ES LTD 88 -C/ II, A RIF JA N R OA D, L A ( 1) Mo ha mm ad Iqt i dar P er vai z ( 1) K han A zi z K ha 71, 147 ,24 7 16 8,8 22, 889 - 239 ,97 0,1 36 71, 147 ,24 6 17 6,1 91, 015 - 24 7,3 38
HORE R/o n ,26 1
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ntt.
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ntt.
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if ar
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3 52 01- 16 589 97
-9
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an
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50 7 SH EI K H CA RP E TS ( S HE 24 -A B B OT ROA D, LA HO RE ( 1) Mu ha mm ad Tar i q G aba R/o ( 1) Ghu l am Ras ool 8, 454 ,84 9 5 0,1 01, 114 - 58 ,55 5,9 63 8, 454 ,84 8 5 0,1 01, 114 - 5 8,5 55
IK H 24 - ,96 2
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3 52 02- 25 413 33
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50 8 S HEI K H CA RP E TS ( E X -E 24 -A B B OT ROA D, LA HO RE ( 1) Mu ha mm ad Tar i q G aba R/o ( 1) Ghu l am Ras ool 951 ,25 1 3,3 10, 661 - 4 ,26 1,9 12 951 ,25 0 3,4 07, 746 - 4,3 58
B I) 24 - ,99 6
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3 52 02- 25 413 33
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50 9 S PL E NDOUR E XP O RTS 19 /10 A BB O T R OA D, L A HORE ( 1) Naz ar Hussa i n r /o 19/ 10 A ( 1) S yed S arwa 6, 193 ,00 0 1 7,2 97, 341 - 23 ,49 0,3 41 6, 192 ,99 9 1 7,2 97, 341 - 2 3,4 90
b bot r ,34 0
R oad ,Lh ao re Hu ssai n S ha h
51 0 TA B B AS UM E NT E RP RIS E 62 6- SH AD MA N CO LO NY, L A HORE ( 1) S yed S ar war Al i r/o ( 1) Sy ed S ard ar Al 1, 167 ,79 2 2,0 33, 338 - 3 ,20 1,1 30 1, 167 ,79 1 2,1 52, 522 - 3,3 20
S 62 6- i ,31 3
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ore
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7-
2 68 137
51 1 A. T.INDU ST RIE S 66 -C INDUS T RIA L E S TA ( 1) S ar dar A zma t Ha yat Tam ma ( 1) S ard ar Mu ha mm 7, 458 ,68 6 1 0,1 71, 325 - 17 ,63 0,0 11 7, 458 ,68 5 1 0,1 71, 325 - 1 7,6 30
TE , n ad ,01 0
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at
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51 2 DE FE NCE A GR O M i an Id ree s 4, 291 ,54 1 5,5 03, 144 - 9 ,79 4,6 85 4, 272 ,14 3 1 0,6 07, 178 - 1 4,8
79 ,32 1
51 3 E NA R (P V T ) L IMI TE D, 3R D FL OO R, HA JI A ( 1) F ero ze A l i Ra she ed r/o 3r ( 1) Ni sar al i R ashe ed 1, 942 ,39 9 - - 1 ,94 2,3 99 4, 398 ,28 3 - - 4,3
DA M d 98 ,28 3
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IN l
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A za m Cha mb er, A l ta f Hu ssai n
R oad , K ar ach i
51 4 IMP E RIA L HOS IE RY ( P OF F ICE A DDRE S S ; A SH RA ( 1) S an aul l a h K h an R/o 3 66 ( 2) Za kau l l ah Kh 10, 636 ,34 0 2 1,7 32, 918 - 32 ,36 9,2 58 10, 636 ,33 9 2 1,7 32, 918 - 3 2,3 69
VT ) F - an ,25 7
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51 5 PA K WORL D T E XT IL E IND. P -1 6,A L -A B B AS CE NTE ( 1) Ri as at A l i r/ o Ra soo l pur a ( 1) A b dul Sa tta 2, 385 ,09 1 1,2 65, 201 - 3 ,65 0,2 92 2, 385 ,09 0 1,5 24, 555 - 3,9 09
R,2 ND Chak r ,64 5
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i
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i
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ad
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6,
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ad
51 6 A LIM INT E RNAT IO NA L D- 28, S ITE , MA NG HOP IR R S ye d A l i m udd i n A hm ed .(l a te) . S B a ask ari (l at e) 1, 850 ,56 1 2,3 98, 783 - 4 ,24 9,3 44 1, 850 ,56 0 2,6 00, 012 - 4,4
OA D, 50 ,57 2
K A RA CHI.


Annexure - 1
S r.
No.
CNIC
51 7 A NIQ A T RA DING COMP A NY 3 11, KHA W A JA CHA MB E R, OP Irfa nul Ha qu e S ai fu l Haqu e 5,111 ,76 8 7,60 2,6 70 - 12 ,71 4,43 8 5 ,111,7 66 13, 526 ,26 1 - 18, 638 ,027
P:
CI TY COU RT, K A RAC HI.
51 8 A RS ONS T RA DE RS 9/1 5, A RK EY S QU ARE ( E XT ), Si d di qu e A hm ed / Fa roo q A hm ed Gh affa r 4 24,8 65 75 0,8 18 - 1 ,17 5,68 3 424 ,86 4 797 ,01 8 - 1, 221 ,882
S HA HRA H- E- LIA QUA T, K A RA A .Reh ma n/A .Reh ma n
CHI.
51 9 CE NT RA L COT T ON M ILLS 4 TH FL OOR, ST AT E LIF E Mun i r A hm ed 9 01,2 91 1,79 0,8 44 - 2 ,69 2,13 5 901 ,43 7 1, 790 ,84 4 - 2, 692 ,281
B UIL DING NO.2, W AL LA CE ROA D,
O FF : I I CHUNDRIG A R ROA
D,
K A RA CHI.
52 0 JA W A D INT E RNAT IONA L (E X - 4 11, ST OCK E X CHA NGE Ch. M una wer Hussa i n L ate) . Ch. Mo ham ma d B oo ta. 9 91,8 92 2,80 9,9 20 - 3 ,80 1,81 2 991 ,89 1 2, 917 ,77 8 - 3, 909 ,669
E B I) B UI LDING, I.I.C HUNDRIGA (l a te) ,
R
R OA D, K A RA CHI.
52 1 M UHA MM A D AR SHA Muh am mad A rsha d Ch oud hr y 2 39,7 58 26 6,4 28 - 50 6,18 6 239 ,75 7 266 ,42 8 - 506 ,18 5
D CHO UDHR Y (E X -E B I)
52 2 M E HRA N AG RO CHE M LTD . 1 4- AL S YE D A RCA DE ,RA S HID (1) S hah i d Ha mee d Ch . r/ o 1 4-A l (1 ) Ch .Mu ham ma d A l i 7,6 91,3 73 1 4,64 5,8 56 - 22 ,33 7,22 9 7 ,691 ,37 2 14, 645 ,85 6 - 22, 337 ,22 8
M INHA S ROA D,K A RA S ye d A rca de, Rashi d Mi n has Tal i b
CHI Road ,K ara chi
(2) Mr s.S ha ri fa Be gum r /o 1 4-A l (2 ) M uha mm ad A l i Ta l i b

Sye d A rca de, Rashi d Mi n has
R oad ,K ara chi
(3 ) S ha hi d Ham eed Ch.
( 3) Mr s.M amu na Fi r dou s 14 -A l
Sye d A rca de, Rash i d Mi n has
R oad ,K ara chi (4 ) A bd ul A zi z
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A l S ye d A rca de, Rashi d Mi n has (5 ) M uha mm ad A l i Ta l i b
Road ,K ara chi
(5) Za hi d Sa eed Ch. r/o 14- A l Sy ed

A r cad e,Ras hi d M i nh as
Road ,K ara chi
52 3 T AH A E NT E RPRI SE S 8 4, M IRZ A KHA L EE G B AI G ROA D, Sh auka t H. Wa l j i . Hass an A l i W al j i . 1 75,6 77 31 3,1 06 - 48 8,78 3 175 ,67 6 332 ,20 9 - 507 ,88 5
S O LDIA R B A ZA R, KA RA CHI.
52 4 HA JI NA OROZ K HA N S HO P NO.. 8 , M A JI NNA H ROA D, Haj i Nau roz K han Haj i M i rza K han 1,2 15,9 91 2,52 4,0 24 - 3 ,74 0,01 5 1 ,215 ,99 0 2, 656 ,25 1 - 3, 872 ,24 1
Q UE TTA .
52 5 S HA M ROZE & B RO THE RS P A R HOT I,M A RDA N (1) S ham ro ze K ha n r /o M oh al l ah (1 ) A l i f K ha n 8 15,5 09 1,55 4,0 99 - 2 ,36 9,60 8 815 ,50 8 1, 642 ,77 7 - 2, 458 ,285
Kh an Col on y, Pa r Ho ti ,M ard an
52 6 A B B A SI & CO. 7 1- A, S ET T LIT E TOW N, (1) S ard ar A b dul L ati f A b basi r /o (1 ) M uha mm ad K han 5,2 00,0 00 2,95 5,8 14 - 8 ,15 5,81 4 2 ,200 ,10 0 3, 451 ,47 0 - 5, 651 ,57 0
RA W A LP INDI 71- A, sett l it e To wn, Ra wal pi n di
(2) Ms t.Fa ri na La ti f A bba si r/ o 71 - (2 ) S ar da r A bdu l La ti f

A, settl i t e Town , Ra wal pi n di
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H ouse s Com pl e x, Z ara r S ha hee d di n
R oad , La hor e
52 7 NB Z (P vt ) Li m i ted P l o t No. 32 & 33, Se ctor 23 , K or ang i Zah eer A hm ed A nsa ri Ma nzo oe A . a nsa ri . 3 3,3 57,4 00 9,86 8,0 43 - 43 ,22 5,44 3 33 ,357 ,40 0 9, 868 ,04 3 - 4 3,22 5,4 43
I ndu stri a l Ar ea, K ora ngi , K ara chi .
52 8 A ch ee En ter pri se s (P vt ) Lt d G -15 /2- E , B l ock 9 , S che me No. 5, Moh am mad F azi l Gh ul am Mo ham ma d 2 2,4 07,8 84 51 8,1 06 - 22 ,92 5,99 0 22 ,407 ,88 4 518 ,10 6 - 2 2,92 5,9 90
Cl i f ton, K ara chi . S hah
52 9 F i l tex Ex por ts In dust ri es Pv t Ltd 2 nd Fl o or, K a ssi m Co ur t, B l ock No. (1) Mu ham ma d A l i A nzar Usm ani (1 ) M uha mm ad Usma n 1 0,6 81,8 40 9 ,517 ,80 7 - 20 ,19 9,64 7 3 ,687 ,84 0 23, 496 ,22 6 - 2 7,18 4,0 66
9 , K eh kash an, Cl i fton , kar ach i . R /o Ho use # 15 8- A, S ecto r 15 -A -
5, B uff er Zon e, Sh al i ma r To wn,
North K ar achi & House # A -4 58
Se ctor 15 -A /I,B u ffer Zo ne,
Sh al i ma r To wn, North K ar achi
( OL D NIC No .501 -6 6-1 046 98) (2 ) S ye d A bdu l B ari
( 2) S yed Jal i l A hm ed R/ o F l at# 6

M .A . Ji n nah Roa d, Ra di o
P a ki stan , K ar achi & 21 Fer oz
B u i l di ng , Ab dual h Ha roo n Ro ad, (3 ) No or- ul - Isl am
Ka rac hi . ( Ol d NI C # 5 12- 56-
217 872 )
(3) Java i d Isl a m R/ o B -1 03 & B-

1 05 , B l ock 4 -A , G ul sha n Iq bal ,
Ka rac hi & B -1 05, Bl o ck 4- A ,
Gul sh an I qba l , K ar achi . (Ol d NIC
# 50 1-8 8- 640 810 )
64 725
2,24,58
8,90,33
86 3 (51 3,4 84) 1,36 7,3 15, 835 72 0,39 9,6 81 7 17 ,950 ,47 7 5 91, 543 1,4 38, 941 ,701
PATTERN OF SHAREHOLDERS
AS OF 31 DECEMBER
2009
NO. OF <-- HAVING SHARES--> SHARES HELD

PERCENTAGE FROM
SHAREHOLDERS
TO
1313 1 100 57,979 0.0015
2430 101 500 793,083 0.0205
1526 501 1000 1,254,030 0.0324
3070 1001 5000 7,823,059 0.2021
1023 5001 10000 6,504,804 0.1680
147 10001 15000 1,820,080 0.0470
90 15001 20000 1,615,584 0.0417
54 20001 25000 1,248,400 0.0322
33 25001 30000 929,392 0.0240
19 30001 35000 612,875 0.0158
19 35001 40000 715,100 0.0185
9 40001 45000 380,700 0.0098
12 45001 50000 585,663 0.0151
9 50001 55000 467,674 0.0121
5 55001 60000 291,287 0.0075
5 60001 65000 311,119 0.0080
7 65001 70000 472,219 0.0122
2 70001 75000 150,000 0.0039
2 75001 80000 152,817 0.0039
2 80001 85000 167,659 0.0043
2 85001 90000 175,975 0.0045
4 95001 100000 394,400 0.0102
1 100001 105000 103,045 0.0027
1 110001 115000 115,000 0.0030
1 115001 120000 120,000 0.0031
4 125001 130000 514,120 0.0133
1 130001 135000 134,400 0.0035
3 140001 145000 427,000 0.0110
1 170001 175000 175,000 0.0045
2 175001 180000 354,650 0.0092
1 195001 200000 200,000 0.0052
1 210001 215000 215,000 0.0056
1 230001 235000 231,960 0.0060
1 245001 250000 247,232 0.0064
1 250001 255000 252,717 0.0065
1 265001 270000 268,980 0.0069
1 295001 300000 300,000 0.0077
1 300001 305000 304,500 0.0079
2 315001 320000 632,987 0.0164
1 395001 400000 395,600 0.0102
1 455001 460000 459,415 0.0119
1 525001 530000 530,000 0.0137
1 745001 750000 749,200 0.0194
1 2515001 2520000 2,516,584 0.0650
1 3070001 3075000 3,074,570 0.0794
1 38323350 38323400 3,832,339,162 98.9863
9814 3,871,585,021 100.0000

CATEGORIES OF SHAREHOLDERS
AS OF 31 DECEMBER
2009
PARTICULARS SHAREHOLDERS SHAREHOLDING

PERCENTAGE
DIRECTORS, CEO & CHILDREN 7 7 0.0000
ASSOCIATED COMPANIES 1 3,832,339,162 98.9863
NIT & ICP 1 3,250 0.0000
BANKS, DFI & NBFI 18 2,713,796 0.0701
INSURANCE COMPANIES 6 157,284 0.0041
MODARABAS & MUTUAL FUNDS 11 348,278 0.0090
GENERAL PUBLIC (LOCAL) 8,304 25,562,271 0.6603
GENERAL PUBLIC (FOREIGN) 1,326 4,246,791 0.1097
OTHERS 128 5,715,025 0.1476
FOREIGN COMPANIES 12 499,157 0.0129
COMPANY TOTAL 9,814 3,871,585,021 100.0000
CONSOLIDATED DETAILS
A) Directors, Chief Executive Officer, their spouse and minor children
SR. # Name Shares Held %
1 Mr. Shayne Keith Nelson 1 0.00

2 Mr. Badar Kazmi 1 0.00
3 Mr. Andrew James Hardacre 1 0.00
4 Mr. Mahendra Gursahani 1 0.00
5 Mr. Najam I. Chaudhri 1 0.00
6 Mr. Shahid Zaki 1 0.00
7 Mr. Parvez Ghias 1 0.00
TOTAL: - 7 0.00
B) Associated Companies, Undertakings and Related Parties
1 Standard Chartered Bank. U.K 3,832,339,162 98.99
C) NIT & ICP
1 Investment Corporation of Pakistan (NON-CDC) 3,250 0.00
D) Shareholders Holding 10% or More
1 Standard Chartered Bank. U.K 3,832,339,162 98.99
Form of Proxy
4TH ANNUAL GENERAL

MEETING
Standard Chartered Bank (Pakistan)
Limited
I/We…………………………………………………………………………...
…………………………….
of…………………………..…………………………being members(s) of Standard Chartered
Bank
(Pakistan) Limited holding………………….Or dinary shar es her eby appoint
……………………………………………………………………………of..……………………or
failing
him/her…..………………………………..of…………………...……………who is/are also
members(s)
of Standard Chartered Bank (Pakistan) as my/our Proxy in my/our absence to attend
Limited
and vote for me/us and on my/our behalf at the Annual General Meeting of the Bank to be held
on March 30, 2010 and/or any adjournment thereof.
Signed this _________________day of _______________________ 2010.
Folio No.
Signature
on Rs. 5/-
Revenue Stamp
WITNESSES:
1.
Signature:
Name:
Address:
CNIC
No.
Passport No.
2.
Signature:
Name:
Address:
CNIC
No.
Passport No.
Note:
1. The Proxy Form should be deposited in the r egistered office of the Bank, as
soon aspossible but not later than 48 hours before the time of holding the meeting, failing which,
proxy Form will not be treated as valid.
2. No person shall act as proxy unless he/she is a member of the

Bank.
Fold here
Company Secretary
Standard Chartered Bank (Pakistan) LIimited
P.O.Box No.
5556,
I.I.Chundrigar Road,
Karachi 74000, Pakistan
Fold here Fold here
Fold here Fold here

Annual Report 2009

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Annual Report 2009

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Comapny Information

REGISTRAR AND SHARE TRANSFER OFFICE

Management’s Statements on Internal Controls and Risk Management Framework

Un-Consolidated Financial Statements

Pattern of Shareholding 188

02 SCBP Annual Report 2009

Notice of Annual General Meeting

By Order of the Board

Karachi: March 4, 2010

Notice of Annual General Meeting

4. A. For attending the

Statement under section 160(1) (b)

04 SCBP Annual Report 2009

06 SCBP Annual Report 2009

• Summarized key operating and financial data is tabulated in this Annual

S No Name Total no. of

• Mr. John Brian Small resigned from the

08 SCBP Annual Report 2009

Statement of investments of Provident, Gratuity and Pension

On behalf of the Board

Karachi: March 04, 2010

Management’s Statements on Internal Controls

• Efficiency and effectiveness of

9. Review and implementation of health, safety, environment and contingency management

10 SCBP Annual Report 2009

Management’s Statements on Internal Controls

Risk Management Framework

The basic principles of risk management followed by the Bank include:

Management’s Statements on Internal Controls

12 SCBP Annual Report 2009

Management’s Statements on Internal Controls

Compliance and Regulatory Risk

By order of the Board

Report of SCBPL Shariah Advisor

Islamic Financing and Investment 2009

Sukuks Auto (Dim Mush)

ST Finance Term Finance

Following areas were checked during the audit:

14 SCBP Annual Report 2009

Report of SCBPL Shariah Advisor

Late Payment Charity

Date: March 04, 2010 KPMG Taseer Hadi & Co.

16 SCBP Annual Report 2009

Statement of Compliance with the Code of

Statement of Compliance with the Code of

By Order of the Board

18 SCBP Annual Report 2009

Six Years Key Financial Data

Revenue 5,145 7,726 14,023 22,339

Date: March 04, 2010 KPMG Taseer Hadi & Co.

Unconsolidated Balance Sheet

Note 2009 2008

Bills payable 13 4,844,638 4,296,420

Badar Kazmi Najam I. Chaudhri Parvez Ghias Shahid

Karachi: March 04, 2010

22 SCBP Annual Report 2009

Unconsolidated Profit and Loss Account

Note 2009 2008

Mark-up / return / interest earned 22 26,653,240 23,307,442

NON MARK-UP / NON INTEREST

Unconsolidated Profit and Loss Account

Note 2009 2008

BASIC / DILUTED EARNINGS PER 29 0.17 0.16