ANAYLSIS OF FINANCIAL STATE

Bank; StandardAssignment # 4Pakist

Chartered bank
Industry: BANKING

Submitted to: D
Submitted By: AHSAN WAQAS
Reg NO: MB081014
L STATEMENTS
# 4Pakistan
nk

mitted to: Dr. Arshad Hassan

Assets 2008 2009 weight 2008 2009
Debt/other Loans/ Letter of credit 208231260 155188128 1 208231260 155188128
Mortgage Loan 0 0 0.5 0 0
Inter Bank Loan 22806246 32728480 0.2 4561249.2 6545696
Cash and Govt Securities 21521550 22741035 0 0 0
Risk Weighted Assets 212792509 161733824
Tier 1 capital 44665571 44010120
Tier 2 capital 3080285 -1252980

Capital Adequicy Ratio 0.224377522 0.2643673

Advances to Equity Ratio 2.786189031 2.8539223
Asset Quality -0.05989626 -0.0835564
net advances to total assets 0.397753216 0.4746535
net advances to total equity 2.786189031 2.8539223
Management Quality
advances to deposits 0.601314054 0.7195656

Earning Quality
Spread 0.264277448 0.2250329
Liquidity
Current Asset Ratio 0.807222348 0.7960845
Current Ratio 1.109906181 1.1232441
Cash to deposits Ratio 0.103989965 0.1302824
Assets 2008 2009
Cash and balances with treasury banks CGS 21,521,550 22,741,035
Balances with other banks IB 2,238,182 1,261,582
lending to financial institutions IB 20,568,064 31,466,898
Investments OL 83,784,536 29,586,663
aAdvances OL 124,446,724 125,601,465
Total Current assets 252559056 210657643
Total Assets 312,874,212 264,617,178
Liabilities
Bills payable 4,844,638 4,296,420
Borrowings 15,747,326 8,695,730
Deposits and other accounts 206,957,950 174,551,801
Total Current liabilities 227549914 187543951
Equity Tier 1 44,665,571 44,010,120
Surplus on revaluation of assets tier 2 3,080,285 -1,252,980

Provision agianst non-performing advances -7,453,893 -10,494,804

Interest income 26,653,240 23,307,442

Interest expense -10,369,328 -6,888,900
No. of employee