Corporate Governance Scoring Index

Key Factors
The Shareholders Right
Share Structure
Annual General Meeting
Notice for Annual General Meeting to SH
Minutes of Meetings
Communication Between Shareholders & BOD
Dividend history
Proxy arrangement
Board of Directors
Board Structure
Board of Directors have shares of bank
BOD Attendence in Meetings
Chairman /CEO Separation
Board Performance Review
Director Education or Training
Code of Conduct
Voting for Directors
Independents Directors in BOD
Vision, Mission Statement
Audit & committee
Diversified Committee Members
Chairman is Non-Executive
Audit Committee
Risk control Committee
An Auditor must be in Committee
Auditor not involved in affairs
Audit report available
Disclosure and Transparency
information disclosed to all
Quality of non-financial information
Other online reporting
director report
financial statement endorsed to CFO,CEO
Statement of business Ethics
Internal control System

NBP

BOP

BOK

SINDH

FWBL

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

3.57
3.57
3.57
0
3.57
0
3.57
17.85

3.57
3.57
3.57
0
3.57
0
3.57
17.85

3.57
3.57
0
0
0
0
0
7.14

3.57
3.57
3.57
0
0
0
0
10.71

2.5
0
2.5
0
2.5
0
2.5
0
2.5
2.5
15

2.5
0
2.5
0
0
0
2.5
2.5
2.5
2.5
15

2.5
0
2.5
2.5
2.5
0
2.5
0
2.5
2.5
17.5

2.5
0
2.5
0
0
0
2.5
0
2.5
2.5
12.5

2.5
0
2.5
0
0
0
2.5
2.5
2.5
2.5
15

3.57
0
3.57
3.57
3.57
3.57
3.57
21.42

3.57
0
3.57
0
0
3.57
3.57
14.28

3.57
3.57
3.57
0
0
3.57
3.57
17.85

3.57
0
3.57
3.57
0
3.57
3.57
17.85

3.57
3.57
3.57
3.57
0
3.57
3.57
21.42

3.57
0
3.57
3.57
3.57
0
3.57
17.85

3.57
0
0
3.57
3.57
0
3.57
14.28

3.57
0
3.57
3.57
3.57
0
3.57
17.85

3.57
0
0
3.57
3.57
3.57
3.57
17.85

3.57
0
3.57
3.57
3.57
0
3.57
17.85

Total

75.69

61.41

71.05

55.34

64.98

HBL

UBL

MCB

ALLIED

AL FALAH

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

2.5
0
2.5
0
2.5
0
2.5
2.5
2.5
2.5
17.5

2.5
0
2.5
0
2.5
0
2.5
2.5
2.5
2.5
17.5

2.5
0
2.5
0
2.5
0
0
2.5
2.5
2.5
15

2.5
0
2.5
0
2.5
0
2.5
2.5
2.5
2.5
17.5

2.5
0
2.5
2.5
2.5
0
2.5
2.5
2.5
0
17.5

3.57
0
3.57
3.57
0
3.57
3.57
17.85

3.57
0
3.57
0
0
3.57
3.57
14.28

3.57
3.57
3.57
0
3.57
3.57
3.57
21.42

3.57
0
3.57
0
0
3.57
3.57
14.28

3.57
0
3.57
0
0
3.57
3.57
14.28

3.57
3.57
3.57
3.57
3.57
3.57
0
21.42

3.57
0
3.57
3.57
3.57
3.57
0
17.85

3.57
0
3.57
3.57
3.57
3.57
3.57
21.42

3.57
0
3.57
3.57
3.57
3.57
3.57
21.42

3.57
0
3.57
3.57
3.57
3.57
0
17.85

78.19

71.05

79.26

74.62

71.05

Key Factors The Shareholders Right

Board of Directors Audit & committee
NBP
21.42
15
21.42
BOP
17.85
15
14.28
BOK
17.85
17.5
17.85
SINDH
7.14
12.5
17.85
FWBL
10.71
15
21.42
HBL
21.42
17.5
17.85
UBL
21.42
17.5
14.28
MCB
21.42
15
21.42
ALLIED
21.42
17.5
14.28
AL FALAH
21.42
17.5
14.28
Total
182.07
160
174.93
Average
72.828
64
69.972
Yes
72.828
64
69.972
No
27.172
36
30.028

Public
Total
Average
yes
no

74.97
14.994
59.976
40.024

75
15
60
40

92.82
18.564
74.256
25.744

107.1
21.42
85.68
14.32

85
17
68
32

82.11
16.422
65.688
34.312

Privat
Total
Average
yes
no

Key Factors
MCB
HBL
NBP
ALLIED
UBL
AL FALAH
BOK
FWBL

The Shareholders Right

Board of Directors
21.42
15
21.42
17.5
21.42
15
21.42
17.5
21.42
17.5
21.42
17.5
17.85
17.5
10.71
15

BOP
SINDH

17.85
7.14

15
12.5

Disclosure and Transparency

Total
17.85
75.69
14.28
61.41
17.85
71.05
17.85
55.34
17.85
64.98
21.42
78.19
17.85
71.05
21.42
79.26
21.42
74.62
17.85
71.05
185.64
74.256
74.256
25.744

85.68
17.136
68.544
31.456

65.694

99.96
19.992
79.968
20.032

74.834

Audit & committee

21.42
17.85
21.42
14.28
14.28
14.28
17.85
21.42

Disclosure and
Total
Transparency
21.42
79.26
21.42
78.19
17.85
75.69
21.42
74.62
17.85
71.05
17.85
71.05
17.85
71.05
17.85
64.98

The Shareholders Right

27.172
Yes
72.828

No

14.28
17.85

14.28
17.85

61.41
55.34
702.64

Audit & committee

Board of Directors

36

Yes
64

No

30.028
69.972

ommittee

Disclosure and Transparency

Yes
No

25.744

Yes
74.256

No

The Shareholders Right

Public
yes
The Shareholders Right
Board of Directors
Audit & committee
Disclosure and Transparency

no
59.976
60
74.256
68.544

40.024
40
25.744
31.456

40.024
59.976

Private
yes
The Shareholders Right
Board of Directors
Audit & committee
Disclosure and Transparency

no
85.68
76
65.688
79.968

14.32
24
34.312
20.032

14.32

85.68

e Shareholders Right

Board of Directors

Audit & committee

25.744

1
1

40

59.976
60

74.256

1
85.68

24
1
76

34.312
65.688

Audit & committee

Disclosure and Transparency

31.456
1

2
68.544

74.256

1
2

20.032
1
79.968

CGSI
71.05
75.69
55.34
64.98
61.41

Banks
BOK
NBP
SINDH
FWBL
BOP

71.05
74.62
78.19
79.26
71.05

Banks
ROA
UBL
2.94%
ALLIED
1.99%
HBL
1.96%
MCB
1.84%
AL FALAH
0.92%

CGSI

ROA
1.57%
1.54%
1.27%
1.27%
0.10%

CGSI
75.69
64.98
55.34
71.05
61.41

Banks
NBP
FWBL
SINDH
BOK
BOP

74.62
71.05
78.19
79.26
71.05

Banks
ROE
ALLIED
27.16%
UBL
23.82%
HBL
22.30%
MCB
20.13%
AL FALAH
18.71%

CGSI

ROE
15.71%
15.55%
8.99%
6.97%
-4.23%

CGSI

Banks
BOK
FWBL
SINDH
NBP
BOP

Tobin's Q
22.52154
10.20197
6.493468
4.788227
1.018476

CGSI

71.05
64.98
55.34
75.69
61.41

Banks
Tobin's Q
UBL
17.14965
HBL
10.25904
ALLIED
8.983518
MCB
7.945292
AL FALAH
3.24077

CGSI

71.05
78.19
74.62
79.26
71.05

CGSI

75.69
64.98
71.05
55.34
61.41

71.05
78.19
79.26
74.62
71.05

Banks
NBP
FWBL
BOK
SINDH
BOP

Spread ratio
49.30%
39.85%
39.49%
34.47%
-1.89%

Banks
Spread ratio
UBL
65.36%
HBL
57.21%
MCB
56.09%
ALLIED
48.49%
AL FALAH
41.84%

CGSI
71.05
55.34
75.69
64.98
61.41

Banks
BOK
SINDH
NBP
FWBL
BOP

71.05
79.26
78.19
74.62
71.05

Banks
Debt to Asset Ratio
UBL
0.860352216
MCB
0.893557809
HBL
0.903833457
ALLIED
0.915719485
AL FALAH
0.94469201

CGSI

Debt to Asset Ratio

0.776597831
0.848511876
0.882274164
0.893383745
0.962045524