banking survey 2013 · 2016. 11. 30. · banking junaidy sh chartered ac this sur indepen perform...

BANKING

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GSURVEY201

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anksinPaknceryofFinancalPerformanndAdvancesses(gross)toofBrancheAdequacyRasperShareatingons

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TABLEOOFCONTEENTS

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BANKING


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GSURVEY201


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B

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1‐

2‐

3‐

4‐

5‐

BANKINGSURVE

Junaidy Shoaib AsChartered Accountants

PUBLICECTORBAN

NationalBankofPakistan;

SindhBankLimit

FirstWomenBanLimited;

TheBankofPunjand

TheBankofKhyb

Y2013

sad s

NKS SE

ted;

nk

ab;

ber

1‐ A

2‐ A

3‐ B

4‐ BL

5‐ F

6‐ H

7‐ HB

8‐ J

9‐ K

10‐ M

11‐ N

12‐ S

13‐ S

14‐ S

15‐ SBL

16‐ Sa

17‐ U

Li

PRIVATECTORBAN

AlliedBankLimite

AskariBankLimit

BankAlfalahLimi

BankAlHabibLimited;

FaysalBankLimit

HabibBankLimite

HabibMetropolitaBankLimited;

JSBankLimited;

KASBBankLimite

MCBBankLimited

NIBBankLimited

SAMBABankLimi

SILKBankLimited

SoneriBankLimit

StandardChartereBank(Pakistan)Limited;

SummitBankLimand

UnitedBankLimit

istofBan

NKS

ed;

ted;

ted;

ted;

ed;

an

ed;

d;

;

ited;

d

ted;

ed

mited;

ted

1‐ AlB(Pa

2‐ BanLim

3‐ Bur

4‐ DubPak

5‐ Me

2

nksinPaISLAMICBANKS

BarakaBankakistan)Limited;

nkIslamiPakistanmited;

rjBankLimited;

baiIslamicBankkistanLimited;an

ezanBankLimited

akistanFOB

d

d

1‐ Barcl

2‐ CitibaOper

3‐ HSBCOper

4‐ IndusCommChinaPakis

5‐ TheBMitsu–Pak

OREIGNBANKS

laysBankPLC;

ankN.A.‐Pakistanrations;

CBank–Pakistanrations;

strialandmercialBankofaLimited–stanBranches;an

BankofTokyo‐ubishiUFJLimitedkistanOperations

MICROB

n

d

d

1‐ KhushLimite

2‐ APNABankL

3‐ NRSPMBankL

4‐ PakOmBankL

5‐ TameeBankL

6‐ WaseeBankL

7‐ ADVANMicrofLimite

OFINANCEBANKS

haliBankd;

MicrofinanceLimited;

MicrofinanceLimited;

manMicrofinanceLimited;

erMicrofinanceLimited;

elaMicrofinanceLimited;and

NSPakistanfinanceBankd

B

JC

PaipFn

BANKINGSURVE


Pakistan achieanother.Theeinvestors,althopersistentshorFY13.Thepartnewfiscalyear

Y2013

sad s

ved a landmarlectionof thepoughtheeconortageofnaturatialresolutionor,asevidenced

rk during 201pro‐businessPomic landscapealgas,resultingofcirculardebbya5.2%grow

3 with the firsPML‐NhasbroeremainschalginidlecapacitbythenewlywthinLargeSc

3

st ever transitughtwith italenging.TheentyacrossvarioyelectedgovernaleManufactur

tion from onerenewedconfinergysupplydousindustriesanmenthassupringduringJul‐

democraticallyidence frombodeficitwasaggandalowrealpportedtheind‐Nov2013.

y elected goveothdomesticagravatedfurthelGDPgrowthodustrialsector

ernment toandforeignerwiththeof3.6%forduringthe

B

JC

Wht5ol

Dttit

BANKINGSURVE


Withinflationshadshownatitoreach10.0%50bpslowerthofdeposits,reslowestlevelsin

Depositsforththediscountrathe last quarteindustryremaitheabsoluteNP

Y2013

sad s

showinganuptghtermonetar

%.Moreover,SBhanthereporastrictingnetmnce2004.

ebankingsectate,demandforer has been eninedrelativelyPLstockforthe

tickin2013anrystancebyincBPhadalsoincrate.Hence,anymarginsandadd

orgrewby12.rprivatesectorncouraging, resstable,reducinesectorremain

ndadeterioraticreasingthedireasedtheflooupsidefromthdingfurtherpr

7%duringthercredithasremsulting in a grongmarginallybnshighatRs60

4

ingbalanceofpscountratebyorrateonPLSaheincreaseindressuretobank

yearwhileadvmainedlargelyowth of 5.7%by1.1%durin04billion.

paymentsposi50bpseachinaccountsfromtdiscountratewkingsectorspr

vancesgrewbysubduedformduring 2013. Ngtheninemon

ition,theStatenSeptember2theearlierfixewillnowdirectlreadswhichha

y5.6%.DespitemostoftheyeaNon‐performinnthsendedSep

BankofPakist013andNovemedlevelof6.0%lyresultinincravenowreach

etheoverallrer,althoughtheng Loans (“NPLptember2013.

tan(“SBP”)mber2013%,settingitreasedcostedtotheir

eductioninegrowthinL”) for the.However,

B

JC

P

BANKINGSURVE


PRIVATES

ProfitbeforetChargeforproperformingloaNon‐performinadvances(%)TotalassetsNetassetsNetinterestmReturnonaveReturnonaveOperatingcostCapitaladequa

ProfitbeforetChargeforproperformingloaNon‐performinadvances(%)TotalassetsNetassetsNetinterestmReturnonaveReturnonaveOperatingcostCapitaladequa

Y2013

sad s

SECTORBA

taxovisionagainstansngadvancesto

margin(%)rageequity(%rageassets(%)ttonetincomeacyratio(CAR)

taxovisionagainstansngadvancesto


ANKS

Non‐

gross

%))(%)

Faysa2,1

Non‐2,0

gross13.52355,222,13.81

%) 10.05) 3.25(%) 72.79 11.29

ABL14,931

651

6.81%734,76266,6863.63%25.08%3.16%50.78%18.00%

al HMB172 5,117

028 2,111

2% 11.78%280 311,396166 27,9851% 3.29%5% 18.22%5% 2.95%9% 47.98%9% 16.29%

5

HBL36,156

1,603

9.16%1,715,271142,4343.86%26.28%3.31%49.58%15.39%

JS1,078

430

7.84%114,74911,3082.85%9.69%2.47%72.18%18.9%

MCB U32,857 2

‐2,829

8.67% 1821,278 1,08115,463 15.65%29.61% 24.77%40.15% 422.16% 1

SAMBA S82 (

‐83

11.38% 140,002 910,1314.42%0.88% ‐23.7%

100.42% 1242.38%

UBL Aska29,026 ‐8,1

1,346 9,8

11.88% 17.283,633 395,011,273 18,94.52% 2.627.23% ‐42.13.86% 2.347.59% 77.313.30% 10.5

SILK Sone(1,528) 1

562

16.05% 9.991,800 1696,675 133.11% 3.325.37% 11.92.39% 2.928.90% 68.67.65% 10.9

PKRinmilri BAF158 6,644

854 955

23% 6.55%097 610,614972 31,90266% 3.49%18% 21.45%30% 2.95%31% 69.41%53% 12.06%

eri SCB,530 16,427

723 (1,115)

99% 14.81%,234 410,260,283 56,95239% 6.11%94% 29.24%96% 4.65%67% 37.44%95% 16.87%

lionBAH7,553

480

2.13%461,02225,5813.48%30.43%3.12%55.93%14.60%

Summit(1,386)

(918)

27.16%125,5003,3470.82%

‐43.61%0.65%

170.88%4.40%

B

JC

P

I

BANKINGSURVE


PUBLICSE

ProfitbeforetChargeforproloansNon‐performin(%)TotalassetsNetassetsNetinterestmReturnonaveReturnonaveOperatingcostCapitaladequa

ISLAMICBA

ProfitbeforetChargeforproloansNon‐performin(%)TotalassetsNetassetsNetinterestmReturnonaveReturnonaveOperatingcostCapitaladequa

Y2013

sad s

CTORBAN

taxovisionagainst

ngadvancesto


ANKS

taxovisionagainst

ngadvancesto


NKS

Non‐performin

grossadvances

%))(%)

Non‐performin

grossadvances

%))(%)

FWB

ng

s

2

‐1

102

AlBara

ng

s18

‐

81

6

BL N(222)

168

7.9%20,761 1,1,6353.34%12.24%3.00%06.37%20.05%

aka Isl(34)

67

13.18%87,7595,8482.56%‐0.57%2.22%89.63%11.97%

BP S7,737

17,459

16.28%371,718160,6643.69%5.06%2.92%57.78%16.05%

ami B

308

12

2.85%86,8006,2463.5%5.2%3.1%

85.28%15.70%

PKRSindh

953

‐

0.16%75,03211,3272.92%8.51%2.7%

68.72%23.97%

PKRBurj(1,739)

819

5.77%53,3895,3612.16%

‐30.78%1.89%

158.26%20.76%

RinmillionBOK

1,669

141

10.06%108,17012,5573.49%13.75%3.23%53.32%24.03%

RinmillionDIB

212

457

7.08%80,2576,9624.84%3.06%4.33%82.62%14.59%

BOP2,978

(673)

32.76%352,67413,4571.38%23.06%1.17%68.99%8.95%

Meezan5,647

128

3.63%329,72518,9133.97%31.83%3.52%59.44%12.48%

B

JC

S

P

A

AHMUABBFHJSSSSS

BANKINGSURVE


SUMMARY

PRIVATES

ASSETS

C

ABLHBLMCBUBLAskariBAFBAHFaysalHMBJSSAMBASILKSoneriSCBSummit

Y2013

sad s

YOFFINA

SECTORBA

Cash&bank

45,775192,81861,541122,25035,22996,38534,86429,43424,7618,3172,9135,58813,63033,93911,506

ANCIALIN

ANKS

Investments

363,81826,06453,80458,84165,89219,69239,98113,31142,3243,8513,9914,8546,70146,3839,52

NFORMAT

Lendingtfinanciainstitutio

1 1262 358 146 298 20 286975 2191303 280 227 1

7

TION

toalon

LoanAdvance

2,4615,2711,2259,8582,5032,522‐300‐1,586791447

2,7382,1581,555

ns&es–net

Opefixed

267,036563,701248,522415,283163,561260,780167,569184,190129,83433,76918,26956,08897,179146,238542,08

eratingdassets

Oth

22,09725,70629,00628,0388,62314,83511,81610,2513,0363,751862

4,6924,00932,3946,258

PKRinmilherassets To

23,58271,71227,17729,35719,28216,4026,78717,78511,4383,4713,17510,1324,97629,14612,446

lionotalassets

734,7621,715,271821,278

1,083,633395,097610,614461,022355,280311,396114,74940,002169,234169,234410,255125,500

B

JC

BANKINGSURVE


LIABILITIES&EQUITY


Y2013

sad s

Billspayable

4,87919,42210,13916,6015,6889,5436,1734,9693,9821,415919

2,7472,5786,5402,205

Borrowings

32,9107,838,641,0245,523,129,445,423,020,12,911,310,417,29,9

s Deposi

52 60864 1,40660 6378 8846 3315 52480 38447 2757 2451 887 282 6485 1491 2961 10

8

its Sub‐orloa

08,40701,2302,30989,5265,1735,52686,09971,13447,50880,0554,63369,43340,58096,37706,256

rdinatedans

Olia

4,2422,633‐665

3,9949,9916,4863,495‐‐‐‐‐

2,5001,499

Otherabilities

17,59641,68724,70724,4906,27410,5377,2038,0698,8631,8201,3321,5622,30830,5992,232

PKRinmilEquity

lia

66,686142,434115,463111,27318,97231,90225,58122,16627,98511,30810,1316,67513,28356,9523,347

lionTotal

abilities&equity734,762

1,715,271821,278

1,083,633395,097610,614461,022355,280311,396114,74940,00291,800169,234410,259125,500

B

JC

PL

AHMUABBFHJSSSSS

BANKINGSURVE


PROFIT&LOSS


Y2013

sad s

Spread

21,66155,01637,96739,5098,59916,89514,26110,8459,0722,4571,3842,1601,85018,806

851

Provisions

621,32

(2,881,8510,961,0549

2,02,1032(85273

(98(46

NonMarkincom

2829 188) 159 165569110092888)213583)61)

9

k‐upme

Operinc

9,9509,3232,1059,4163,7748,2783,9904,5264,8202,597160

1,3252,3805,8811,756

ratingcome

Opex

30,98373,01052,96057,0661,40724,11717,76013,36111,7824,7261,6322,9636,49525,6703,067

peratingxpenses

Prot

16,05236,85420,10328,0419,56517,47310,20711,1896,6653,6481,5514,4914,9659,2434,453

PKRinmilofitbeforetaxation

P

14,93136,15632,85729,026(8,158)6,6447,5532,1725,1171,078

82(1,528)1,53016,427(1,386)

lionProfitaftertaxation

14,78323,05021,87519,791(5,212)4,5135,1981,8613,52783884

(1,157)1,03610,699(1,813)

B

JC

P

A

FNSBBL&

FNSBB

BANKINGSURVE


PUBLICSEC

ASSETS

FWBLNBPSindhBOKBOP

LIABILITIES&EQUITY

FWBLNBPSindhBOKBOP

PROFIT&LOSSFWBLNBPSindhBOKBOP

Y2013

sad s

CTORBAN

Cash&bank

1,849176,6193,7107,88228,086

Billspayable

15213,895

363521

1,506

Spread

64939,2982,2583,0714,015

KS

Investments

7,4539,6436,7853,36123,97

Borrowings

23,016,715,122,8

Provisions

119,8

(61

s Lendingfinanciinstituti

5812 5866374 1

s Deposi

50 114 1,1085 458 702 30

s NonMarincom

172812 2228718)

10

gtoialion

LoaAdvanc

1,0391,9424,0367,500,1407

its Sub‐orlo

18,33801,84545,75677,21806,561

k‐upme

Opeinc

13525,952

860692

3,597

ans&ces–net

Opfixe

9,264620,21726,56535,450157,240

rdinatedoans lia

‐‐‐‐‐

eratingcome

Opex

61245,4383,0963,6768,230

peratingedassets

Oth

28834,5691,7661,6043,515

Otherabilities

58772,300

8282,7178,348

peratingxpenses

Prt

83437,7012,1422,0065,252

PKRinmilherassets T

86491,9602,1692,37028,452

Equityli

1,635160,66411,32712,55713,457

ofitbeforetaxation

P

(222)7,737953

1,6692,978

lionTotalassets

20,7611,371,718

75,032108,170352,674

Totaliabilities&equity

20,7611,371,718

75,032108,170352,674

Profitaftertaxation

(206)6,015666

1,1541,915

B

JC

I

A

AIBDML&

AIBDMPLAIBDM

BANKINGSURVE


ISLAMICBA

ASSETS

AlBarakaIslamiBurjDIBMeezan

LIABILITIES&EQUITY

AlBarakaIslamiBurjDIBMeezan

PROFIT&LOSSAlBarakaIslamiBurjDIBMeezan

Y2013

sad s

ANKS

Cash&bank

22,2935,9023,8087,13232,137

Billspayable

726835507

1,2093,615

Spread

1,7912,500952

3,11410,645

Investments

22,1631,429,2225,04151,6

Borrowings

2,202,533,052,9311,3

Provisions

281282459

s Lendingfinanciinstituti

6229264414

s Deposi

02 738 752 438 675 28

NonMarkincom

8127275892

11

gtoialion

LoaAdvanc

‐6,5117,6909,7417,443

its Sub‐orlo

75,64775,17042,69867,63989,811

k‐upme

Operinc

594453613743

3,501

ans&ces–net

Opfixe

37,02138,30928,95535,540127,623

rdinatedans

Olia

1,159‐‐‐‐

ratingcome

Opex

2,1042,826739

3,39914,054

peratingedassets

Oth

2,7262,9671,0571,4555,595

Otherabilities

2,1782,0121,7701,5086,011

peratingxpenses

Prot

2,1372,5182,4783,1878,409

PKRinmilherassets T

3,5581,6832,6531,3455,313

Equityli

5,8486,2465,3616,96218,913

ofitbeforetaxation

P

(34)308

(1739)212

5,645

lionotalassets

87,75986,80053,38980,257329,725

Totaliabilities&equity

87,75986,80053,38980,257329,725

Profitaftertaxation

(42)185

(1,133)137

3,956

BANKING


ThebantheyearProfit afgrossrearoundPFee, comincome)income)hadalsoand PKRforeigncInterest/operatinmost sigexpensethebank

GSURVEY201


ks includedrendedDecfterTax (“PvenueofPKPKR137.41mmission &was recorwasbookegeneratedR 20.401 bcurrencies.

/mark‐up/rngcostincurgnificant cos.Furthermksduringth

13

d inthissurcember31,PAT”)wasPKR871.4949billion,ac& brokeragerded duringedonaccouPKR12.426illion (15%

return experredbytheosts for themore,proviseyear,outo

Pu

rveyhaver2013amouPKR111.714billiondurccountingfoe income og the year,untofgaino6billion(9%% of total n

ensed durinbankswase banks, avsionsamounofwhich,PK

blic Bank, 13,115

12

reporteda tunting toPK8billion.Tring theyeaoraround1f PKR 63.7whereas PKonsaleofse%oftotalnonon‐funded

ng the yeaPKR251.25veraging apnting toPKKR34.487b

Islamic Ba4,393

totalnetPrKR159.946Thebankshar;non‐fun6%oftotal771 billionKR 22.801ecurities.Ton‐fundedinincome) w

ar was PKR57billion.SpproximatelKR38.842bbillionwasb

Private Ba142,438

ank,

rofitbefore6billion,whhavemanagnded incomegrossreven(46% of to(17% of tohebanksuncome)asdwas made f

R 421.449Staffcostsrely 52% ofbillionhadbbookedagai

ank, 8

Tax(“PBT”hereas, totaged to earnecontributenuefortheotal non‐fuotal non‐funderthesudividendincfrom dealin

billion andemainoneototal operbeenbookeinstNPL.

”) foralnettotaled toyear.ndedndedurveycomeng in

d theoftheatingedby

BANKING


PRIVAPrivateSaround8stoodatPKR649up/returout of wsectorwHBLposearnedbby Askarecogniz

PUBLIPublic Saccountnet of moperatinwasPKRhighestoNBPhasofPKR1

(15,000)

(10,000)

(5,000)

‐

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

GSURVEY201


ATESECT

SectorBank89%of totatPKR99.079.298billionrnexpense.which, PKRwasPKR184

stedhighestbyUBLofPKari, out ofzedthehigh

ICSECTO

ectorBanksofnetPBTmark‐up exngexpensesR19.475biofallthesec

sbeenthem17.459billio

13

TORBAN

kshaveregal net PBT72billion fon,whereasPTheoveral15.798 bil

4.592billion

tPBTofPKKR19.416bwhich, PK

hestreversa

ORBANK

shave contandnetPA

xpense, earnsincurredwllion,outoctorsinthis

majorcontrion,stillman

NKS

gisterednetbookedbyor theyear.PKR304.68llnetprovislion was bn.

KR36.156bbillion.HighR 9.854 bilofNPLpro

KS

tributedupATrespectivned by banwerePKR47fwhich,prssurvey.

ibutortoNPnagedtoreg

Profit

13

tPBTofPKthe banksContributio6hadbeensionbookedooked agai

illion,wherhesttotalprillion has bovisionofP

toPKR13velyduringnks in this7.935billioovisionaga

PLprovisiogisterthehig

tBeforeTa

KR142.438in this survon to totalincurredondinthissectnst NPL. T

reashighestrovisionsofbeen bookeKR2.829bi

3.115billiongtheyear.A sector waon.NetprovainstNPLw

onfortheyeghestPBTa

Tax

billiondurivey.Net PAgrossrevennaccountotorwasPKRotal operat

tnonmarkfPKR10.96ed againstillionduring

nandPKRAlthoughthas PKR 80.visionbookewasPKR17

ear,recordiandPATfor

ing theyeaT for the senuehadbeefinterest/mR17.582biting cost in

k‐upincome5billionboNPL. MCBgtheyear.

9.544billiohetotalreve526 billionedinthisse.095billion

ingprovisiortheyearof

ar, i.e.ectorenofmark‐llion,n this

ewasokedB has

ononenue,n, theectorn, the

onhitfPKR

BANKING


7.737bipost a lrespectiv

ISLAMIslamic Brespectivexpense1.593bilMeezanbeforetahighestN

(1,000)

‐

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

(2,000

(1,000

‐

1,000

2,000

3,000

4,000

5,000

6,000

GSURVEY201


illion andPloss beforevely.

MICBANK

Banks havevely.TotalgdwasPKRllionandop

has registeaxhasbeenNPLprovisi

) FWB

0)

0)

0

0

0

0

0

0

AlBar

13

PKR6.015btax and lo

KS

e posted negrossreven26.065bil

peratingexp

ered the hinpostedbyBionofPKR0

L

aka

billion respeoss after ta

et PBT andueearneddlion. This spensesrecor

ighest PBTBurjofPKR0.819billion

NBP

ProfitB

Islami

ProfileB

14

ectively. FWax of PKR

net PAT oduringtheyector has ardedwereP

of PKR 5.6R1.739billionfortheyea

Sindh

eforeTaxa

Burj

BeforeTax

WBL is the0.222 billi

f PKR 4.39yearwasPKalso recogniPKR18.729

645 billion,on.Further,ar.

B

ation

D

xation

onlybank ion and PK

3 billion anKR50.971biizedNPLp9billion.

, whereas t,Burjhasal

BOK

DIB

in this sectKR 0.206 b

nd 3.103 billionandrerovision of

the highestlsorecorde

BOP

Meezan

or toillion

illioneturnf PKR

t lossdthe

BANKING


Total grunderreAdvancePrivatePublicSIslamicTotal

GSURVEY201


ross loans,eviewstoodesasatthey

SectorBanSectorBankBanks

13

advances, IdatPKR4,3yearendisa

ksks

Public Ban970,584

Islamic fina315.379billiasunder:

nks, 4

Islamic279,

Advanc

15

ancing andionasatDe

Banks, ,461

ces Gross

related asecember31

Private3,06

ssets(“Advan,2013.Sect

e Banks, 65,334

nces”) of boralbreak‐u

PKRinbi3,065970279

4,315

banksupof

illion5,3340,5849,4615.379

BANKING


GSURVEY201


‐

100,000

200,000

300,000

400,000

500,000

600,000

700,000

‐

100,000

200,000

300,000

400,000

500,000

600,000

700,000

800,000

‐

20,000

40,000

60,000

80,000

100,000

120,000

140,000

160,000

13

Privat

FWBL

Public

AlBaraka

Isla

teSectorB

NBP

cSectorBa

Islami

amicBank

16

Banks‐ Adv

Sindh

anks‐ Adv

Burj

ks‐ Advan

vancesGro

BOK

vancesGro

DIB

ncesGross

oss

BO

oss

B Me

OP

ezan

BANKING


Non‐perfAdvancestatus,a

PrivatePublicSIslamicTotal

GSURVEY201


rformingAd

es include Pgainstwhic


13

dvances

PKR 516.77ch,provision

ksks

Public Ba180,676

N

78 billion,nofPKR39

nk, 6

Islam1

Non‐Perform

17

which had2.968billio

mic Bank, 15,558

ing Portfolio

d been placonhadbeen

N

Priva32

(NPL)

ced underbookedby

PL

PKRinb320.544180.67615.558

516.778

ate Bank, 20,544

non‐perforthebanks.

Provisioheld

illion25912112

392

ming

on

9.1051.8492.0132.968

BANKING


10

20

30

40

50

60

2

4

6

8

10

12

14

GSURVEY201


‐

0,000

0,000

0,000

0,000

0,000

0,000

‐

20,000

40,000

60,000

80,000

00,000

20,000

40,000

‐

1,000

2,000

3,000

4,000

5,000

6,000

A

13

P

FWBL

AlBaraka

PrivateSe

NBP

PublicSec

Islami

Islamic

18

ectorBank

Sindh

ctorBanks

Burj

cBanks‐ N

ks‐ NPL

BO

s‐ NPL

DIB

NPL

K

Mee

BOP

ezan

BANKING


Non‐perfOverallNNPLwas

PrivatePublicSIslamicTotal

GSURVEY201


rformingAd

NPL to gross76.04%.


13

dvancesas

ss advances

ksks

Pub1

percentage

s stood at1

blic Bank, 8.62%

Islamic Bank,5.57%

NPL to G

19

eofGrossA

11.98%as a

,

Gross Adv

Advances

at the year

NPLtoadva

Private Ba10.46%

vances

r end. Furth

ogrossances

%10.4618.625.57

11.98

ank, %

her, provisio

ProvisionNPL

8677

on to

nto

80.8367.4477.2176.04

BANKING


PRIVAHighestPKR42.3billion hadvance

PUBLINBPheldbillion threquired

0

5

10

15

20

25

30

1

1

2

2

3

3

GSURVEY201


ATESECT

NPLstoodw37billionwhad been bosof27.16%

ICSECTO

dthehighehere againsd.Maximum

.00%

.00%

.00%

.00%

.00%

.00%

.00%

0.00%

5.00%

0.00%

5.00%

0.00%

5.00%

0.00%

5.00%

13

TORBAN

withHBL,awasheld.Saooked there%andBAHe

ORBANK

stNPLofPst. SindhhamNPLtogro

FWBL

NKS

amountingtmbahasthe against. enjoysthelo

KS

KR116.098ad the loweossadvance

NPLtoG

NBP

NPLtoG

20

toPKR55.5elowestNPHowever, Sowestperce

8billionandestNPLof Pspercentag

GrossAdva

Sindh

GrossAdva

516billion,PLofPKR2Summit hasentageof2.1

dhadbookePKR0.043bgeisheldby

ances

BOK

ances

againstwh2.341billions the highe13%.

edprovisionbillionwithyBOPof32.

K B

ich,provisinandPKR2st NPL to g

nofPKR92h zeroprov76%.

BOP

onof2.292gross

2.879vision

BANKING


ISLAMIslamicBPKR12.0highestis

1

1

1

GSURVEY201


MICBANK

Bankshadma013billion thsheldbyAlB

0.00%

2.00%

4.00%

6.00%

8.00%

0.00%

2.00%

4.00%

A

13

KS

anagedtomahereagainst.BarakaofPKR

lBaraka

aintainthelo.LowestNPR5.248billio

Islami

NPLtoG

21

owestNPLofL isheldbyon,withprov

Burj

GrossAdva

fPKR15.558IslamiofPKvisionofPKR

DIB

ances

8billion,withKR1.109bilR2.794billio

B Me

htheprovisilion,wherean.

eezan

ionofas the

BANKING


Deposits327.920

FixedDSavingCurrentCurrentOtherDFinanciTotal

GSURVEY201


sofbanksinbillionfrom

DepositsDepositstDeposits‐tDeposits–DepositsialInstitutio

13

ncludedintmfinanciali

remunerat–nonremun

onsDeposit

Public B1,549,7

hissurveysinstitutions

ivenerative

s

ank, 718

Islamic 550,

DE

22

stoodatPKR.

Bank, 963

EPOSITS

R8,114.926

Private B6,014,2

6billion,inc

Bank, 245

cludingPKR

PKRinbi2,2032,986255

2,29842327

8,114

R

illion3.7756.7885.3648.7442.3357.9204.926

BANKING


Majorco6,014.24FixedDSavingCurrentCurrentremuneOtherDFinanciTotal

PRIVAHBLhadmajordethehigh

200

400

600

800

1,000

1,200

1,400

1,600

GSURVEY201


ontribution45billion.

DepositsDepositstDeposits‐tDeposits–erativeDepositsialInstitutio

ATESECT

dthehighesepositbaseestcurrent

‐

0,000

0,000

0,000

0,000

0,000

0,000

0,000

0,000

13

towardsth

remunerat–non

onsDeposit

TORBAN

tdepositbafromfinancdeposit(re

hisdepositb

ive

s

NKS

asedofPKRcialinstitutimunerative

D

23

basehadbe

Private

1,543.382,319.17137.63

1,835.15

36.00142.88

6,014.24

R1,401.230ionisheldbe)baseofPK

Deposits

eenfromPr

PuPKRin

87783753

038845 1

billionasatbyBAFofPKR83.463b

rivateSecto

ublicbillion469.409470.063117.727331.738

4.864155.916

1,549.718

ttheyearePKR36.555billion.

orBanksof

Islami

190197

131

129

550

nd,howevebillion.ABL

fPKR

ic

0.9797.547

‐1.853

1.4689.1160.963

ertheLhad

BANKING


PUBLINBPhelbaseofP

ISLAMMeezanthe majobillion.

50

100

150

200

250

300

GSURVEY201


ICSECTO

dthehighePKR18.338

MICBANK

hadachieveor deposit

‐

200,000

400,000

600,000

800,000

1,000,000

1,200,000

‐

0,000

0,000

0,000

0,000

0,000

0,000

Al

13

ORBANK

estdepositbbillionishe

KS

edthedepobase from

FWBL

lBaraka

KS

basedofPKeldbyFWBL

sitbaseofPfinancial in

NBP

D

Islami

D

24

KR1,101.84L.

PKR289.81nstitution w

Sindh

Deposits

Burj

Deposits

45billion,w

1billionhawas held by

BO

DI

whereasthe

asattheyeay AlBaraka

K B

IB M

e lowestde

arend.How of PKR 11

BOP

Meezan

posit

wever,1.391

BANKING


Current&OverallCbyPrivaPrivatePublicSIslamicTotal

GSURVEY201


&SavingDe

Current&SteSectorBa


13

positstoTo

SavingDepoanksof71.3

ksks

Islamic 59.7

talDeposits

osits(“CASA36%.

P

Bank, 9%

CASA

25

s

A”)tototalD

Private Bank, 71.36%

TO DEPOS

Depositswa

Public Ban59.34%

SITS

as68.28%,

nk, %

thehighest

7556

theld

%71.3659.3459.7968.28

BANKING


OverallA2013.Pu

GSURVEY201


Advances (ublicSector

13

gross) toDBankshad

Islamic 50.7

A

DepositsRatthehighest

Private Ba50.97%

Bank, 2%

ADVANCE

26

tio (“ADR”)ADRof62.6

ank, %

TO DEPOS

stood at 563%.

Publi62

SIT RATIO

53.18%as a

c Bank, .63%

atDecembe

er31,

BANKING


PRIVAPrivate SSILKof8

PUBLIPublicSeof64.72

0.00

20.00

40.00

60.00

80.00

100.00

1

2

3

4

5

6

7

GSURVEY201


ATESECT

SectorBank88.60%,wh

ICSECTO

ectorBanks%,whereas

0%

0%

0%

0%

0%

0%

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

60.00%

70.00%

13

TORBAN

ks had regiereaslowes

ORBANK

shadregisteslowestwas

FWBL

NKS

steredADRstwasbook

KS

eredADRofsbookedby

Advance

NBP

Advance

27

Rof 50.97%kedbyMCB

f62.63%.HyBOKof49.

toDeposit

Sindh

toDeposit

%.HighestAof42.46%.

HighestADR.65%.

Ratio

BOK

Ratio

ADRhad be

Rhadbeena

K B

een achieve

achievedby

BOP

ed by

yNBP

BANKING


ISLAMIslamicB71.39%,

0.00

10.00

20.00

30.00

40.00

50.00

60.00

70.00

80.00

GSURVEY201


MICBANK

Bankshadwhereaslo

0%

0%

0%

0%

0%

0%

0%

0%

0%

AlBa

13

KS

registeredAowestwasb

araka

ADRof50.7ookedbyM

Islami

Advance

28

72%.HigheMeezanof46

Burj

toDeposit

estADRhad6.06%.

DI

Ratio

dbeenachi

B

ievedbyBu

Meezan

urjof

BANKING


NUMB

GSURVEY201


BEROFB

020040060080010001200140016001800

0

200

400

600

800

1000

1200

1400

1600

13

BRANCHE

FWBL

ES

Private

NBP

Public

29

eSectorBa

Sindh

cSectorBa

anks

BOK

ank

BOP

P

BANKING


GSURVEY201


0

50

100

150

200

250

300

350

400

Al

13

Baraka Islami

Isla

30

Burj

amicBank

DIB

k

Meez

zan

BANKING


CAPIT

0.00

5.00

10.00

15.00

20.00

25.00

30.00

35.00

40.00

45.00

0

5

10

15

20

25

30

0.00%

5.00%

10.00%

15.00%

20.00%

25.00%

GSURVEY201


TALADE

0%

0%

0%

0%

0%

0%

0%

0%

0%

0%

0.00%

5.00%

0.00%

5.00%

0.00%

5.00%

0.00%

F

%

%

%

%

%

%

AlBar

13

QUACYR

FWBL

raka

RATIOPrivate

NBP

Public

Islami

Isla

31

eSectorBa

Sindh

SectorBa

Burj

amicBank

anks

BOK

anks

D

k

K

IB

BOP

Meezan

BANKING


EARNI

(10.00)

(5.00)

‐

5.00

10.00

15.00

20.00

25.00

(2.00)

(1.50)

(1.00)

(0.50)

‐

0.50

1.00

1.50

2.00

2.50

3.00

(2.00)

(1.00)

‐

1.00

2.00

3.00

4.00

5.00

GSURVEY201


INGSPER

FWBL

AlBarak

13

RSHARE

L

ka

E

Private

NBP

Public

Islami

Islami

32

eSectorBa

Sindh

SectorBa

Burj

icBanks

anks

BO

anks

D

OK

DIB

BOP

Meezan

BANKING


PRIVA

PUBLI

ISLAM

GSURVEY201


ATESECT


ICSECTO

FWBLNBPSindhBOKBOP

MICBANK

AlBarakIslamiBurjDIBMeezan

13

TORBAN

A

t

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KS

ka

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NKS

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33

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BANKING


AverageAverage

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GSURVEY201


eAdvances

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eEquity

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34

ofopeninga

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GSURVEY201


erestmargi

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13

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banking survey 2013 · 2016. 11. 30. · banking junaidy sh chartered ac this sur indepen perform...

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