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FIRST WOMEN BANK

Items

2008

A.Total equity (A1 to A3)

1,135,800

1,058,318

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

283,650
228,540
623,610
(32,767)
6,200,688
101,993

283,650
228,540
546,128
35,049
9,164,693
89,020

27,140
5,939,308
132,247
7,303,721

31,328
8,756,793
287,552
10,258,060

575,929
400,761
350,849
2,264,088
3,409,842
105,512
105,512
3,304,330
174,833
232,931
736,103

713,140
586,849
1,136,025
4,097,423
3,481,854
207,633
207,633
3,274,221
203,972
246,430
896,476

212,601
523,502
50,153
473,349
90,343
373,249
367,798
190,443
106,020

408,000
488,476
179,549
308,927
66,879
462,060
451,930
(86,254)
(80,101)

28,365
0.00%
0.00%
(930,303)
202,048

28,365
0.00%
0.00%
2,108,232
226,087

71.12%
7.17%
9.33%
1.45%
1.24%
6.48%
28.88%
1.93
45.16%
4.07
3.74

54.49%
4.76%
-7.57%
-0.78%
0.65%
3.01%
45.51%
-5.24
47.96%
6.76
-2.82

4.Deposits to total assets (B3/C)

13.37%
31.00%
45.24%
81.32%

12.67%
39.94%
31.92%
85.37%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

84.90%
57.41%
57.15%

89.34%
39.76%
39.62%

3.09%
3.09%
9.29%
47.53%
100.00%

5.96%
5.96%
19.62%
86.47%
100.00%

15.55%
0.18
40.04
5.23

10.32%
0.21
37.31
8.27

-8.77

-26.32

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

2011

NBP

2008

A.Total equity (A1 to A3)

81,367,002

95,855,355

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

8,969,751
19,941,047
52,456,204
21,092,216
715,299,108
10,219,061

10,763,702
23,395,059
61,696,594
24,937,197
825,460,717
10,621,169

40,458,926
624,939,016
39,682,105
817,758,326

44,828,138
727,513,013
42,498,397
946,253,269

106,503,756
38,344,608
17,128,032
170,822,491
457,828,029
56,502,583
44,841,164
412,986,865
24,217,655
47,754,919
60,942,798

116,668,514
28,786,397
19,683,526
217,596,037
531,103,507
71,174,034
55,765,068
475,338,439
25,200,870
62,979,486
78,124,796

23,884,768
37,058,030
10,970,814
26,087,216
16,415,862
19,502,080
18,171,198
23,000,998
15,458,590

40,448,291
37,676,505
11,820,292
25,856,213
19,109,332
23,766,703
22,816,665
21,198,842
17,449,042

896,975
65.00%
20.00%
2,532,681
241,861,468

1,076,370
75.00%
25.00%
40,806,019
236,732,608

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

2011

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

60.81%
4.53%
19.00%
1.89%
2.01%
3.19%
39.19%
25.21%
17.23

48.23%
3.98%
18.20%
1.84%
2.02%
2.73%
51.77%
0.79 1.08
24.44%
1.11 1.19
16.21

G.Liquidity ratios

4.Deposits to total assets (B3/C)

17.71%
20.89%
50.50%
76.42%

15.37%
23.00%
50.23%
76.88%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

87.47%
73.26%
68.81%

87.23%
73.00%
68.77%

12.34%
9.79%
69.44%
24.47%
79.36%

13.40%
10.50%
74.25%
21.20%
78.35%

1.Cash & cash equivalent to total assets (C1+C2)/C


2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

9.95%
90.71

10.13%
2.97 2.47
89.05
7.68 7.59

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

0.16 2.34

SINDH BANK

2010

A.Total equity (A1 to A3)

2011
10,749,561

20

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

10,000,000
149,912
599,649
(86,548)
37,067,110
42,251
13,012,647
23,517,740
494,472
47,730,123

2,241,345
1,462,935
31,382
1,431,553
222,183
513,773
513,773
1,139,963
749,561
1,000,000

0.00%
0.00%
18,654,331
25,311,295
39.49%

3.07%
6.97%
1.57%
0.47%
3.00%
60.51%
0.45
13.08%
2.31
0.75
3.98%

54.64%
15.21%
49.27%

0.00%
0.00%

I.Capital /leverage ratios

22.52%

1.Capital ratio (A/C)


2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

2.35
10.75
2.19

B.Total liabilities(B1 to B4)


1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

1,655,815
243,519
10,905,410
26,081,535
7,259,330
0
0
7,259,330
584,054
1,000,460
3,704,280

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)


5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

THE BANK OF KHYBER

2008

A.Total equity (A1 to A3)

5,677,816

5,040,633

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,002,984
1,436,359
238,473
(996,600)
26,657,773

5,004,001
435,342
(398,710)
921,664
32,848,273

B.Total liabilities(B1 to B4)

2009

77.66%
30.87%
19.87%
0.00%

2010

2011

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

122,516

229,973

910,691
24,732,195
892,371
31,338,989

5,147,036
26,285,794
1,185,470
38,810,570

1,557,715
3,362,946
2,282,494
8,985,441
14,925,119
3,331,487
2,281,305
12,643,814
187,589
2,318,990
2,958,865

1,542,102
2,403,698
1,810,846
17,925,911
14,820,746
4,457,159
2,984,784
11,835,962
1,013,670
2,278,381
3,390,014

1,897,816
1,061,049
238,593
822,456
339,755
956,315
654,869
205,896
137,348

2,390,388
999,626
1,261,819
(262,193)
383,702
920,279
719,453
(798,770)
(637,183)

400,298
25.00%
0.00%
1,626,745
5,208,484

500,400
0.00%
0.00%
6,445,596
6,966,342

35.86%
3.39%
2.42%
0.44%
1.08%
2.62%
64.14%
3.18
28.99%
1.93
0.34

29.49%
2.58%
-12.64%
-1.64%
0.99%
-0.68%
70.51%
-0.9
24.39%
1.88
-1.27

4.Deposits to total assets (B3/C)

15.70%
28.67%
40.35%
78.92%

10.17%
46.19%
30.50%
67.73%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

85.06%
60.35%
58.20%

84.64%
56.38%
47.15%

22.32%
15.29%
58.68%
10.46%
68.48%

30.07%
20.14%
88.42%
42.28%
66.97%

18.12%
0.92
14.18
4.36

12.99%
1.38
10.07
5.21

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

11.84

THE BANK OF PUNJAB

2008

A.Total equity (A1 to A3)

5,056,520

5,056,520

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801

5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801

12,278,773
164,072,532

12,278,773
164,072,532

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts

-10.12

2009

2010

2011

4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

4,594,889
185,909,120

4,594,889
185,909,120

10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
17,752,969

10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
17,752,969

16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)

16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)

528,797
0.00%

528,797
0.00%

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

(48,385,008)
46,903,142

(48,385,008)
46,903,142

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

6.42%
0.61%
-198.94%
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%

6.42%
0.61%
-198.94%
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67 0.67
-19.02

-19.02

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

6.92%
12.22%
70.86%
88.25%

6.92%
12.22%
70.86%
88.25%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

97.99%
93.39%
86.89%

97.99%
93.39%
86.89%

27.86%
14.03%
844.24%
89.46%
50.35%

27.86%
14.03%
844.24%
89.46%
50.35%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

2.72%

2.72%
9.28 9.28
9.56 9.56
32.45

32.45

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

4.81 4.81

ALBARAKA BANK PAKISTAN LTD.

2008

A.Total equity (A1 to A3)

4,051,584

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,500,000

2009

2010
4,500,000
0

(448,416)
17,255
12,468,548
148,403

(1,012,429)
5,388
16,269,491
262,691

C.Total assets (C1 to C4 + C8 to C10)

725,000
10,892,602
702,543
16,537,387

20,000
15,081,242
905,558
19,762,450

1.Cash and balances with treasury banks

909,378

1,337,892

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

2011

3,487,571

2.Balances with other banks


3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

195,134
320,000
2,756,159
7,788,664
13,537
11,181
7,777,483
1,619,029
2,960,204
1,060,376

959,078
1,600,000
3,356,705
9,760,212
1,213,994
320,969
9,439,243
1,741,736
1,327,796
1,914,228

598,062
462,314
1,811
464,125
95,111
950,599
949,634
(391,363)
(260,116)

1,234,890
679,338
344,009
335,329
301,855
1,436,066
1,410,569
(798,882)
(564,013)

450,000
0.00%
0.00%
406,132
3,064,151

450,000
0.00%
0.00%
2,173,889
8,660,685

43.60%
2.80%
-6.42%
-1.57%
0.58%
2.81%
56.40%
-2.43
82.27%
9.98
-0.58

35.49%
3.44%
-16.17%
-2.85%
1.53%
1.70%
64.51%
-1.77
64.80%
4.67
-1.25

4.Deposits to total assets (B3/C)

6.68%
16.67%
47.03%
65.87%

11.62%
16.99%
47.76%
76.31%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

75.40%
71.50%
67.04%

82.33%
64.72%
64.63%

0.17%
0.14%
0.33%
16.20%
82.60%

12.44%
3.29%
34.81%
107.18%
26.44%

24.50%
0.76
9
2.69

17.65%
2.48
7.75
4.32

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

-1.56

ALLIED BANK LTD.

2008

A.Total equity (A1 to A3)

20,805,117

25,857,515

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

6,463,644
5,804,776
8,536,697
1,550,497
344,340,055
2,952,490

7,110,008
6,582,845
12,164,662
4,062,279
388,421,058
3,162,429

C.Total assets (C1 to C4 + C8 to C10)

27,778,151
297,475,321
16,134,093
366,695,669

39,818,532
328,872,559
16,567,538
418,340,852

1.Cash and balances with treasury banks


2.Balances with other banks
3.Lending to financial institutions
4.Investments

23,653,754
2,096,779
15,793,183
82,646,595

26,435,683
1,280,591
28,122,932
94,673,100

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

-3.85

2009

2010

2011

5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

223,639,777
13,771,895
10,667,769
212,972,008
11,134,436
18,398,914
30,570,540

249,925,187
16,281,178
12,542,665
237,382,522
12,459,586
17,986,438
41,144,667

17,272,724
13,297,816
3,156,001
10,141,815
4,896,915
8,917,790
8,121,805
6,120,940
4,156,686

22,421,218
18,723,449
4,511,166
14,212,283
6,078,257
9,718,918
9,517,584
10,571,622
7,149,310

646,364
25.00%
10.00%
563,633
126,060,778

711,001
40.00%
10.00%
10,687,333
120,551,592

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

43.50%
3.63%
19.98%
1.13%
1.34%
2.77%
56.50%

45.51%
4.48%
27.65%
1.71%
1.45%
3.40%
54.49%
1.33 0.9
20.58%
1.66 1.57
6.43 10.06

25.14%

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

7.02%
22.54%
58.08%
81.12%

6.63%
22.63%
56.74%
78.61%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

93.90%
75.18%
68.76%

92.85%
75.99%
67.79%

6.16%
4.77%
66.19%
29.58%
77.46%

6.51%
5.02%
62.96%
35.97%
77.04%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

5.67%

6.18%
6.06 4.66
36.37
12.72

32.19
14.3

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

0.14 1.49

ASKARI BANK

2008

A.Total equity (A1 to A3)

12,034,895

13,164,224

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,058,774
7,667,141
308,980
936,468
193,219,775
2,584,828

5,073,467
7,287,041
803,716
1,823,647
239,365,567
2,945,670

C.Total assets (C1 to C4 + C8 to C10)

15,190,148
167,676,572
7,768,227
206,191,138

19,300,163
205,912,903
11,206,831
254,353,438

1.Cash and balances with treasury banks


2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances

16,029,635
3,954,814
4,479,754
35,677,755
139,830,973
11,689,417
11,012,731

19,385,850
8,374,640
4,649,059
66,885,617
147,633,745
17,725,451
12,593,844

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

2009

2010

2011

8.Advances net of provision (C5-C7)


9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

128,818,242
8,266,458
8,964,480
18,393,313

135,039,901
9,332,361
10,686,010
22,590,230

10,650,719
7,742,594
4,072,597
3,669,997
2,707,000
5,915,615
5,904,169
461,382
386,225

13,542,210
9,048,020
2,914,893
6,133,127
2,625,545
7,159,061
7,124,693
1,599,691
1,068,864

405,877
0.00%
25.00%
2,596,563
202,238,722

507,347
0.00%
20.00%
36,871,225
106,574,473

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

42.09%
3.76%
3.21%
0.19%
1.31%
1.78%
57.91%
12.8
28.04%

40.05%
3.56%
8.12%
0.42%
1.03%
2.41%
59.95%
4.45
28.39%
2.18 2.71
0.95 2.11

4.Deposits to total assets (B3/C)

9.69%
17.30%
62.48%
81.32%

10.91%
26.30%
53.09%
80.96%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

93.71%
83.39%
76.47%

94.11%
71.70%
65.55%

8.36%
7.88%
97.13%
36.98%
94.21%

12.01%
8.53%
134.65%
23.15%
71.05%

5.84%
16.8
29.65
13.93

5.18%
8.1
25.95
15.64

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

6.72 34.5

BANK AL-HABIB LTD.

2008

A.Total equity (A1 to A3)

9,967,204

12,286,874

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,785,388
3,062,830
2,118,986
1,665,205
165,690,582
2,232,334

6,101,370
3,664,925
2,520,579
1,818,084
235,701,642
3,187,383

C.Total assets (C1 to C4 + C8 to C10)

12,369,743
144,389,563
6,698,942
177,322,991

33,517,109
189,280,062
9,717,088
249,806,600

1.Cash and balances with treasury banks


2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

11,936,275
3,621,152
295,396
48,234,497
101,402,372
862,550
1,205,376
100,196,996
9,166,020
3,872,655

14,377,589
4,626,726

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

2009

2010

2011

0
111,017,701
108,373,012
2,067,656
2,387,693
105,985,319
9,561,955
4,237,310

D.Profit & loss account

14,586,841

22,120,105

8,004,294
6,582,547
1,149,345
5,433,202
2,416,304
4,374,426
4,306,759
3,578,532
2,425,016

13,053,137
9,066,968
1,183,026
7,883,942
1,836,082
5,207,953
5,045,731
4,512,071
2,856,294

478,538
12.50%
27.50%
16,856,703
59,797,421

610,137
20.00%
20.00%
65,727,310
63,417,914

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

45.13%
3.71%
24.33%
1.37%
1.36%
3.06%
54.87%

40.99%
3.63%
23.25%
1.14%
0.74%
3.16%
59.01%
1.2 1.12
21.74%
1.78 2.75
5.07 4.68

25.73%

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

8.77%
27.20%
56.51%
81.43%

7.61%
44.44%
42.43%
75.77%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

93.44%
70.23%
64.69%

94.35%
57.26%
48.64%

0.85%
1.19%
8.65%
95.35%
139.75%

1.91%
2.20%
16.83%
49.55%
115.48%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

5.62%

4.92%
6 5.16
20.14
15.41

20.83
14.49

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

6.95 23.01

BANK ALFALAH LTD.

2008

A.Total equity (A1 to A3)

14,608,523

17,055,606

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

7,995,000
3,166,056
3,447,467
2,436,216
331,946,025
3,452,031

13,491,563
3,587,969
(23,926)
4,626,589
367,612,072
3,766,144

13,690,222
300,732,858
14,070,914
348,990,764

20,653,921
324,743,389
18,448,618
389,294,267

32,687,335
21,581,043
3,315,500
75,973,238
197,931,671
6,140,683
191,790,988
13,773,293
9,869,367
30,966,638

35,056,025
22,722,927
14,947,435
99,279,438
196,802,164
0 15,585,716
8,780,672
188,021,492
14,552,454
14,714,496
35,554,930

20,494,355

24,709,878

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

1.Markup/interest earned
2.Markup/interest expensed

2011

3.Net markup/interest income


4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

10,472,283
3,543,357
6,928,926
4,822,924
9,957,130
9,805,790
1,794,720
1,301,301

10,845,052
3,451,912
7,393,140
5,202,233
11,346,473
11,009,954
437,664
(97,904)

799,500
0.00%
12.50%
2,499,606
121,702,262

1,349,156
8.00%
0.00%
19,947,703
159,052,924

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

33.82%
3.00%
8.91%
0.37%
1.38%
1.99%
66.18%

30.50%
2.79%
-0.57%
-0.03%
1.34%
1.90%
69.50%
5.46 25.16
27.84%
2.03 2.12
1.63 -0.07

27.82%

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

15.55%
21.77%
54.96%
86.17%

14.84%
25.50%
48.30%
83.42%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

95.12%
65.82%
62.95%

94.43%
60.60%
56.98%

0.00%
3.10%
0.00%
57.70%

7.92%
4.46%
91.38%
39.31%
- 56.34%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

4.19%

4.38%
8.33 9.33
12.64
19.04

18.27
20.59

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

1.92 -203.75

BANK ISLAMI PAKISTAN

2008

A.Total equity (A1 to A3)

5,181,372

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

5,279,679

2009

2010
5,279,679
0

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

(98,307)
10,449
13,896,779
353,646

(589,057)
29,776
29,472,124
485,608

245,939
12,477,955
819,239
19,088,600

156,160
27,911,651
918,705
34,192,522

2,175,413
2,207,490
40,351
5,019,525
6,687,460
186,093
159,929
6,527,531
1,910,648
1,207,642
1,468,688

4,217,520
2,059,808
4,018,813
6,653,447
10,707,012
788,665
249,709
10,457,303
2,375,515
4,410,116
2,181,887

729,528
739,160
130,556
608,604

1,215,019
966,868
111,198
855,670

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions

2011

4,690,622

6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

196,139
229,152
1,028,232
(229,152)
(52,930)

342,687
1,770,664
170,047
(572,307)
(483,598)

527,968
0.00%
0.00%
1,109,403
1,751,914

527,968
0.00%
0.00%
4,472,916
1,439,984

50.33%
3.87%
-1.02%
-0.28%
1.03%
3.19%
49.67%
-4.49
13.76%
5.24
-0.1

44.31%
2.83%
-10.31%
-1.41%
1.00%
2.50%
55.69%
-0.3
70.14%
0.5
-0.92

4.Deposits to total assets (B3/C)

22.96%
26.30%
34.20%
65.37%

18.36%
19.46%
30.58%
81.63%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

72.80%
53.59%
52.56%

86.19%
38.36%
38.15%

2.78%
2.39%
3.59%
81.63%
85.94%

7.37%
2.33%
16.81%
44.53%
31.66%

27.14%
0.34
9.81
2.41

13.72%
0.31
8.88
5.95

-20.96

-9.25

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

BURJ BANK LTD.

2008

A.Total equity (A1 to A3)

4,085,091

4,801,589

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,001,333
16,751
67,007
(10,281)
5,406,327
20,138

5,010,458
16,751
(225,620)
40,191
8,166,895
58,263

50,704
5,063,393
272,092
9,481,137

1,094,375
6,784,750
229,507
13,008,675

418,948
255,703
250,040
2,045,146
5,645,609
50,000
5,732
5,639,877
417,364
454,059
855,374

675,988
577,349
2,857,942
2,861,751
5,001,443
731,740
237,821
4,763,622
600,626
671,397
1,131,873

403,500
451,874
3,875
447,999
494,273
434,161
433,996

650,752
481,121
257,089
224,032
56,818
686,002
685,677

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses

2011

9.Profit/(loss) before taxation


10.Profit/(loss) after taxation

60,111
32,727

(405,152)
(292,627)

400,133
0.00%
0.00%
660,132
2,217,021

501,046
0.00%
0.00%
654,955
1,911,426

52.83%
4.77%
0.80%
0.35%
5.21%
4.73%
47.17%
7.22
32.17%
0.88
0.08

42.51%
3.70%
-6.09%
-2.25%
0.44%
1.72%
57.49%
-1.69
57.71%
12.07
-0.58

4.Deposits to total assets (B3/C)

7.12%
21.57%
59.49%
53.40%

9.63%
22.00%
36.62%
52.16%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

57.02%
111.50%
110.39%

62.78%
73.72%
63.48%

0.89%
0.10%
1.22%
67.60%
11.46%

14.63%
4.76%
15.24%
108.10%
32.50%

43.09%
0.54
10.21
1.24

36.91%
0.4
9.58
1.41

20.17

-2.24

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

DUBAI ISLAMIC BANK PAKISTAN

2008

A.Total equity (A1 to A3)

5,055,260

6,040,247

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

6,017,780
(962,520)
10,867
26,983,946
283,188

6,776,030
0 45,347
(781,130)
18
29,328,629
279,493

25,458,910
1,241,848
32,050,073

0 125,000
27,980,906
943,230
35,368,894

2,691,572
3,273,878
1,329,832
3,019,266
18,330,344
286,024
256,843
18,073,501
1,740,923
1,921,101
2,723,796

2,932,264
2,430,437
2,591,905
2,822,723
20,961,592
719,088
371,979
20,589,613
1,727,298
2,274,654
3,647,145

1,377,542
1,346,254
156,077
1,190,177
335,552
271,806
1,791,282
(271,806)
(181,822)

1,805,943
1,841,202
115,136
1,726,066
365,353
1,739,369
1,724,467
352,050
226,737

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items

2011

1.No. of ordinary shares (000)


2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

601,778
0.00%
0.00%
2,523,494
21,322,168

677,603
0.00%
0.00%
(1,285,767)
17,830,878

49.43%
4.20%
-3.60%
-0.57%
1.05%
3.71%
50.57%
-6.59
8.88%
5.34
-0.3

50.48%
5.21%
3.75%
0.64%
1.03%
4.88%
49.52%
4.9
43.35%
4.72
0.33

4.Deposits to total assets (B3/C)

18.61%
9.42%
56.39%
79.43%

15.16%
7.98%
58.21%
79.11%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

84.19%
72.00%
72.00%

82.92%
74.91%
74.58%

1.56%
1.40%
5.66%
60.77%
89.80%

3.43%
1.77%
11.90%
30.95%
51.73%

15.77%
4.22
8.4
5.04

17.08%
2.95
8.91
4.63

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

-13.88

FAYSAL BANK LTD.

2008

A.Total equity (A1 to A3)

10,135,987

11,373,147

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

5,296,445
3,790,023
1,049,519
636,121
127,469,378
1,536,517

6,090,911
4,030,056
1,252,180
1,519,902
167,899,404
1,465,451

13,027,468
102,776,793
10,128,600
138,241,486

34,985,766
123,469,683
7,978,504
180,792,453

8,927,524
876,780
2,861,401
36,152,537
88,620,641
7,446,481
5,108,573
83,512,068
2,646,978
3,264,198
13,404,132

8,427,202
508,795
15,017,826
56,459,447
98,384,470
10,671,030
7,038,469
91,346,001
2,787,617
6,245,565
16,957,875

8,454,755
4,949,377
2,047,362
2,902,015
5,212,608
1,796,537
3,257,843
1,796,537
1,114,952

11,946,579
5,011,296
2,191,883
2,819,413
2,804,695
4,312,044
4,285,459
1,320,043
1,212,527

529,645
0.00%
15.00%

609,091
0.00%
0.00%

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

-5.67

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares

2011

4.Cash generated from operating activities


5.Commitments and contigencies

1,882,246
51,941,751

17,897,098
79,757,936

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

36.92%
3.58%
11.00%
0.81%
3.77%
2.10%
63.08%

29.55%
2.77%
10.66%
0.67%
1.55%
1.56%
70.45%
1.81 3.25
21.82%
0.62 1.53
2.11 1.99

9.65%

G.Liquidity ratios

4.Deposits to total assets (B3/C)

7.09%
26.15%
60.41%
74.35%

4.94%
31.23%
50.53%
68.29%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

92.21%
86.23%
76.53%

92.87%
79.68%
62.09%

8.40%
5.76%
73.47%
40.08%
68.60%

10.85%
7.15%
93.83%
31.14%
65.96%

1.Cash & cash equivalent to total assets (C1+C2)/C


2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

7.33%

6.29%
5.12 7.01
18.67
10.86

19.14
10.14

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

HBL

1.69 14.76

2008

2009

2010

A.Total equity (A1 to A3)

61,290,814

75,133,715

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

7,590,000
22,882,318
30,818,496
3,753,597
652,237,599
9,781,077

9,108,000
27,527,380
38,498,335
9,236,083
779,554,995
10,041,542

44,022,676
572,399,187
26,034,659
717,282,010

52,542,978
682,750,079
34,220,396
863,924,793

56,359,367
32,720,391
6,193,787
127,786,754
460,244,672
36,086,044
24,536,012
435,708,660
33,490,506
25,022,545
61,157,813

79,839,836
40,366,687
5,352,873
216,467,532
490,010,583
49,438,255
35,348,084
454,662,499
16,766,668
50,468,698
76,076,347

25,523,572
35,634,241
9,295,235
26,339,006
10,336,517
20,820,329
20,253,578
5,855,194
10,000,980

33,405,813
42,670,534
9,089,659
33,580,875
11,159,612
23,358,851
22,745,955
21,381,636
13,400,749

759,000
55.00%
20.00%
(21,380,958)
296,820,275

910,800
60.00%
10.00%
107,753,133
358,083,924

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios

2011

1.Spread ratio (D3/D1)


2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

58.27%
4.97%
16.32%
1.39%
1.44%
3.67%
41.73%

56.09%
4.94%
17.84%
1.55%
1.29%
3.89%
43.91%
3.46 1.06
26.78%
1.96 2.04
14.71

29.12%
13.18

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

12.42%
17.82%
60.74%
79.80%

13.91%
25.06%
52.63%
79.03%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

90.93%
80.41%
74.66%

90.23%
71.77%
66.64%

7.84%
5.33%
58.88%
37.88%
67.99%

10.09%
7.21%
65.80%
25.71%
71.50%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

8.54%

8.70%
4.84 4.77
82.49
9.34 9.09

80.75

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

-2.14

HABIB METROPOLITAN BANK LTD

2008

A.Total equity (A1 to A3)

16,149,648

18,900,286

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

6,022,020
7,039,936
3,087,692
(1,144,998)
167,706,203
2,372,146

7,527,525
7,587,835
3,784,926
(148,629)
218,406,844
3,111,467

30,372,598
128,432,616
6,528,843
182,710,853

68,186,674
142,185,495
4,923,208
237,158,501

11,401,384
2,974,237
98,176
53,631,532
110,391,364
1,747,599
2,130,105
108,261,259
1,583,360
4,760,905
15,870,172

11,192,498
4,836,399
150,000
111,679,520
106,922,608
6,364,665
4,629,476
102,293,132
2,465,977
4,540,975
21,376,259

10,919,922
4,950,250
1,249,820
3,700,430
3,928,506
3,233,784
3,086,634
4,740,110
3,277,377

14,636,228
6,740,031
2,569,646
4,141,160
3,713,321
3,656,972
3,550,647
4,226,734
2,746,563

602,202
0.00%
25.00%
(6,265,387)
80,361,851

752,753
10.00%
16.00%
58,187,921
116,806,754

31.19%
2.71%
20.29%

31.53%
2.84%
14.53%

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

8.04

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)

2011

4.Return on assets (ROA) (D10/C)


5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

1.79%
2.15%
2.03%
68.81%

1.16%
1.57%
1.75%
68.47%
0.65 0.84
14.58%
0.79 0.96
5.44 3.65

16.33%

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

7.87%
29.35%
59.25%
70.29%

6.76%
47.09%
43.13%
59.95%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

91.79%
85.95%
69.51%

92.09%
75.20%
50.83%

1.58%
1.93%
10.82%
58.67%
121.89%

5.95%
4.33%
33.67%
55.51%
72.74%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

8.84%

7.97%
4.98 6.18
25.11
7.95 7.52

26.82

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

JS BANK LTD

-1.91

2008

21.19

2009

2010

A.Total equity (A1 to A3)

5,784,628

5,622,453

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

5,694,844
18,040
71,744
(508,791)
16,351,965
127,922

6,127,605
18,040
(523,192)
32,106
27,240,361
320,492

537,655
15,294,273
392,115
21,627,802

5,039,635
21,313,791
566,443
32,894,920

1,285,247
672,271
1,405,210
5,138,709
9,810,093
455,504
129,644
9,680,449
2,496,883
949,033
1,975,203

1,764,403
1,820,857
3,482,564
9,535,555
12,167,220
857,059
477,567
11,689,653
3,039,329
1,562,559
2,527,295

1,361,738
613,465
11,218
602,247
492,345
983,367
982,624
111,225
54,770

1,806,709
720,586
772,688
(52,102)
339,470
1,736,161
1,734,815
(1,448,793)
(594,936)

569,484
0.00%
0.00%
403,176
1,260,563

612,761
0.00%
0.00%
6,268,544
10,400,433

31.06%
2.84%
0.95%
0.25%
2.28%

28.51%
2.19%
-10.58%
-1.81%
1.03%

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)

2011

6.Net markup/interest income(after prov.) to total assets(D5/C)


7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

2.78%
68.94%
8.83
39.85%
2
0.1

-0.16%
71.49%
-1.2
60.56%
5.11
-0.97

4.Deposits to total assets (B3/C)

9.05%
23.76%
44.76%
70.72%

10.90%
28.99%
35.54%
64.79%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

75.61%
64.14%
61.96%

82.81%
57.09%
46.17%

4.64%
1.32%
7.87%
8.65%
28.46%

7.04%
3.93%
15.24%
161.80%
55.72%

26.75%
0.22
10.16
2.64

17.09%
1.85
9.18
3.79

1.Cash generated from opration activities to profit after tax (E4/D10) (times)

7.36

-10.54

KASB BANK LTD.

2008

A.Total equity (A1 to A3)

3,191,389

4,363,093

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,014,890
151,287
(974,788)
6,008,118
42,599,591
217,520

9,508,617
151,287
(5,296,811)
1,053,728
55,582,766
386,066

6,300,622
35,087,477
993,972
51,799,098

8,696,140
43,807,061
2,693,499
60,999,587

1,507,632
59,093
556,455
9,454,149
35,164,850
7,354,408
2,924,654
32,240,196
2,909,213
5,072,360
4,861,400

2,851,783
235,121
2,804,596
13,580,973
34,054,696
7,355,353
4,138,250
29,916,446
4,027,676
7,582,992
5,120,943

4,448,440
412,960
2,223,938
(1,810,978)
615,591
1,787,364
1,759,032
(1,849,199)
(972,969)

5,569,707
(448,764)
1,971,290
(2,420,054)
1,111,457
3,058,379
2,796,425
(5,864,077)
(4,318,749)

401,489
0.00%
0.00%
(3,436,371)
14,966,219

950,862
0.00%
26.00%
9,162,534
18,276,636

8.49%
0.80%
-30.49%
-1.88%
1.19%
-3.50%
91.51%
-0.95

-8.76%
-0.74%
-98.98%
-7.08%
1.82%
-3.97%
108.76%
-0.48

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)

2011

9.Non-markup/interest expense to total income D7/(D1+D6)


10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

32.63%
2.86
-2.42

49.07%
2.52
-4.54

4.Deposits to total assets (B3/C)

3.02%
18.25%
62.24%
67.74%

5.06%
22.26%
49.04%
71.82%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

82.24%
100.22%
84.96%

91.12%
77.74%
64.86%

20.91%
8.32%
230.45%
76.04%
39.77%

21.60%
12.15%
168.58%
47.64%
56.26%

6.16%
4.69
7.95
10.99

7.15%
4.19
4.59
10.04

1.Cash generated from opration activities to profit after tax (E4/D10) (times)

3.53

-2.12

MCB BANK LTD.

2008

A.Total equity (A1 to A3)

52,244,865

63,120,371

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

6,282,768
36,768,765
9,193,332
6,191,189
385,179,850
10,551,468

6,911,045
38,387,656
17,821,670
9,192,909
439,428,598
8,201,090

22,663,840
330,181,624
21,782,918
443,615,904

44,662,088
367,581,075
18,984,345
511,741,878

39,631,172
4,043,100
4,100,079
96,631,874
272,847,325
56,462
10,711,855
262,135,470
17,263,733
19,810,476
40,043,824

38,774,871
6,077,354
3,000,000
169,484,647
269,721,034
23,238,723
16,472,769
253,248,265
18,099,010
23,057,731
51,621,911

11,560,740
28,483,084
4,019,121
24,463,963
5,791,440
8,387,837
7,546,878
21,867,566
15,374,600

15,835,581
44,299,590
7,322,321
36,977,269
5,754,853
11,069,912
10,235,366
23,349,146
15,665,403

628,276
115.00%
10.00%
2,031,538
392,959,678

691,105
110.00%
10.00%
78,214,049
376,583,024

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

71.13%
6.42%
29.43%
3.47%
1.31%
5.51%
28.87%
18.30%
24.47

85.82%
6.99%
24.82%
3.06%
1.12%
7.23%
30.68%
0.35 0.44
19.29%
1.3 1.78
22.67

2011

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

9.85%
21.78%
59.09%
74.43%

8.76%
33.12%
49.49%
71.83%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

86.83%
82.64%
77.33%

85.87%
73.38%
65.43%

0.02%
3.93%
0.11%
37.52%
18,971.80%

8.62%
6.11%
36.82%
44.45%
70.89%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

11.78%

12.33%
7.52 5.97
91.33
6.32 5.82

83.16

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

MBL

0.13 4.99

2008

2009

2010

A.Total equity (A1 to A3)

6,341,097

9,814,412

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,925,961
845,022
570,114
(366,119)
79,301,092
1,057,017

6,650,048
1,074,408
2,089,956
396,911
115,290,455
1,249,210

4,008,496
70,233,875
4,001,704
85,276,070

8,593,425
100,331,448
5,116,372
125,501,778

5,763,710
1,344,974
18,108,000
14,526,699
40,626,920
3,649,163
1,098,189
39,528,731
1,880,515
4,123,441
6,803,213

8,387,522
5,262,341
34,486,875
24,370,190
44,238,200
3,649,163
2,528,544
41,709,656
2,437,228
8,847,966
10,105,518

3,088,334
3,714,879
717,320
2,997,559
707,908
2,713,156
2,626,606
992,311
621,187

4,969,843
5,135,675
1,532,051
3,603,624
1,707,492
3,626,697
3,681,088
2,527,405
1,676,242

492,596
0.00%
8.60%
3,320,190
56,411,095

665,005
0.00%
5.00%
14,017,274
73,034,851

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

54.60%
4.36%
9.80%
0.73%
0.83%
3.52%
45.40%
36.12%

50.82%
4.09%
17.08%
1.34%
1.36%
2.87%
49.18%
2.65 1.46
30.70%
3.71 2.16
1.26 2.52

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)

8.34%
17.03%

10.88%
19.42%

2011

3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

46.35%
82.36%

33.23%
79.94%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

92.99%
57.85%
54.72%

91.86%
44.09%
40.61%

8.98%
2.70%
57.55%
65.32%
30.09%

8.25%
5.72%
37.18%
60.59%
69.29%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

7.44%

7.82%
8.9 7.44
14.76
10.22

12.87
11.08

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

NIB BANK

5.34 8.36

2008

2009

2010

A.Total equity (A1 to A3)

29,006,672

41,643,272

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

28,437,271
8,326,684
(7,757,283)
10,691,836
139,210,607
1,432,084

40,437,271
8,464,894
(7,258,893)
(115,027)
166,590,718
1,574,207

23,651,366
104,586,167
9,540,990
178,909,115

62,523,365
93,919,805
8,573,341
208,118,963

9,355,104
793,843
12,459,621
35,176,823
97,322,481
16,715,515
16,978,288
80,344,193
3,702,426
37,077,105
15,201,691

8,834,275
3,683,783
5,681,887
62,432,977
100,000,757
15,746,457
15,979,351
84,021,406
3,114,632
40,350,003
18,272,363

10,799,816
4,401,875
9,657,400
(5,255,525)
2,421,876
8,164,241
6,433,122
(1,099,789)
(7,474,679)

12,872,357
5,400,006
1,195,329
4,204,677
1,681,833
5,242,439
5,345,307
644,071
691,048

2,843,727
0.00%
0.00%
21,302,169
93,144,827

4,043,727
0.00%
0.00%
28,507,068
123,505,187

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

28.96%
2.46%
-25.77%
-4.18%
1.35%
-2.94%
71.04%
-5.85
46.33%
-2.63

29.55%
2.59%
1.66%
0.33%
0.81%
2.02%
70.45%
8.3
26.27%
2.66 3.18
0.17

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

5.67%
19.66%
44.91%
58.46%

6.01%
30.00%
40.37%
45.13%

5.Total liabilities to total assets (B/C)

77.81%

80.05%

2011

6.Gross advances to deposits (C5/B3)


7.Gross advances to borrowing & deposit C5/(B2+B3)

93.05%
75.89%

106.47%
63.92%

17.18%
17.45%
57.63%
56.88%
101.57%

15.75%
15.98%
37.81%
7.48%
101.48%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

16.21%

20.01%
3.21 2.97
10.3
3.61 2.26

10.2

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

SAMBA BANK LTD

-2.85

2008

41.25

2009

2010

A.Total equity (A1 to A3)

5,476,330

4,883,277

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

8,769,517
43,080
(3,336,267)
(14,176)
11,025,182
55,349

8,769,517
43,080
(3,929,320)
2,192,383
16,658,466
78,127

437,949
9,859,537
672,347
16,487,336

3,141,284
12,520,633
918,422
23,734,126

774,575
331,201
2,313,308
3,829,354
8,605,889
1,961,143
2,442,881
6,163,008
1,157,689
1,918,201
1,758,004

961,280
707,912
3,123,377
5,807,829
12,343,360
2,726,295
2,619,949
9,723,411
1,112,169
2,298,148
1,878,626

1,071,307
686,697
312,528
374,169
125,429
1,511,039
1,461,077
(1,011,441)
(742,311)

1,208,857
669,769
239,511
430,258
92,224
1,590,906
1,415,235
(1,068,424)
(593,053)

876,952
0.00%
0.00%
4,073,848
30,569,856

876,952
0.00%
0.00%
6,840,004
14,557,877

39.06%
4.16%
-13.55%
-4.50%
0.76%
2.27%
60.94%
-1.44
80.23%
11.65
-0.85

35.65%
2.82%
-12.14%
-2.50%
0.39%
1.81%
64.35%
-1.32
80.72%
15.35
-0.68

4.Deposits to total assets (B3/C)

6.71%
23.23%
37.38%
59.80%

7.03%
24.47%
40.97%
52.75%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

66.87%
87.28%
83.57%

70.19%
98.58%
78.81%

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios

2011

1.Non-performing loan to gross advances (C6/C5)


2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

22.79%
28.39%
35.81%
12.79%
124.56%

22.09%
21.23%
55.83%
9.14%
96.10%

33.22%
5.58
6.24
1.8

20.57%
2.98
5.57
2.56

-5.49

-11.53

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

SILK BANK LTD

2008

2009

2010

A.Total equity (A1 to A3)

3,089,997

196,905

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

9,003,150
218,556
(6,131,709)
1,301,363
51,253,908
431,537

9,003,150
224,649
(9,030,894)
1,566,184
66,901,252
637,602

8,738,616
41,056,630
1,027,125
55,645,268

15,088,332
49,610,034
1,565,284
68,664,341

3,070,067
190,197
1,376,651
12,012,233
38,187,392
12,845,225
7,100,019
31,087,373
3,002,450
4,906,297
4,588,299

3,120,880
151,068
1,067,708
20,179,329
40,592,094
11,891,428
8,494,604
32,097,490
3,720,695
8,327,171
5,913,317

4,218,901
369,398
1,642,093
(1,272,695)
384,510
1,946,070
1,935,732
(2,834,255)
(2,014,268)

5,855,517
57,800
2,309,355
(2,251,555)
662,187
2,663,091
2,747,856
(4,252,459)
(2,902,905)

900,315
0.00%
0.00%
(7,387,980)
13,208,986

900,315
0.00%
0.00%
6,510,410
13,454,187

8.05%
0.66%
-65.19%
-3.62%
0.69%
-2.29%
91.95%
-0.68
39.13%
5.03
-2.24

0.98%
0.08%
-1,474.27%
-4.23%
0.96%
-3.28%
99.02%
-0.65
40.50%
4.15
-3.22

4.Deposits to total assets (B3/C)

5.86%
21.59%
55.87%
73.78%

4.77%
29.39%
46.75%
72.25%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

92.11%
93.01%
76.69%

97.43%
81.82%
62.74%

33.64%
18.59%
415.70%

29.29%
20.93%
6,039.17%

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)

2011

4.NPLs write off to NPLs provisions (D4/C7)


5.Provision against NPL to NPLs (C7/C6)

23.13%
55.27%

27.19%
71.43%

5.55%
4.27
3.43
13.29

0.29%
68.33
0.22
251.95

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

SONERI BANK LTD

3.67

2008

-2.24

2009

2010

A.Total equity (A1 to A3)

6,965,749

7,181,577

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

4,114,222
2,016,877
834,650
147,298
73,864,207
1,254,496

5,019,351
2,003,948
158,278
621,624
87,507,071
1,763,401

8,441,454
61,634,491
2,533,766
80,977,254

9,385,522
73,548,226
2,809,922
95,310,272

5,646,755
3,908,859
3,990,269
14,053,177
49,464,962
5,002,417
1,889,598
47,575,364
3,126,857
2,675,973
7,822,941

6,471,173
1,497,193
2,755,377
29,537,179
51,939,441
3,190,077
3,212,338
48,727,103
3,333,891
2,988,356
9,337,284

4,878,347
2,944,594
1,265,942
1,678,652
1,226,206
1,951,625
1,673,590
953,233
701,041

6,602,779
2,734,505
1,633,343
1,101,162
1,168,193
2,078,942
2,113,660
190,413
145,355

411,422
0.00%
22.00%
4,500,148
30,104,153

501,935
0.00%
0.00%
13,892,687
39,824,682

37.64%
3.64%
10.06%
0.87%
1.51%
2.07%
62.36%
1.76
21.57%
1.36
1.7

29.29%
2.87%
2.02%
0.15%
1.23%
1.16%
70.71%
11.1
19.79%
1.81
0.29

4.Deposits to total assets (B3/C)

11.80%
17.35%
58.75%
76.11%

8.36%
30.99%
51.12%
77.17%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

91.22%
80.26%
70.59%

91.81%
70.62%
62.63%

10.11%
3.82%
71.81%
67.00%
37.77%

6.14%
6.18%
44.42%
50.85%
100.70%

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios

2011

1.Capital ratio (A/C)


2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

8.60%
4.32
16.93
8.85

7.53%
5.55
14.31
10.24

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

6.42

STANDARD CHARTERED BANK LTD

2008

A.Total equity (A1 to A3)

44,010,120

44,817,406

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

38,715,850
1,812,492
3,481,778
(1,252,980)
221,860,038
4,296,420

38,715,850
2,052,347
4,049,209
3,852,905
268,909,813
4,844,638

8,695,730
174,551,801
34,316,087
264,617,178

15,847,326
206,915,825
41,302,024
317,580,124

22,741,035
1,261,582
31,466,898
29,586,663
137,716,271
16,534,389
12,114,806
125,601,465
3,886,275
50,073,260
23,307,442

21,521,592
2,305,891
20,568,064
83,263,661
146,243,792
21,388,480
16,783,638
129,460,154
7,003,915
53,456,847
27,242,261

6,888,900
16,418,542
9,316,038
7,102,504
6,611,470
12,620,994
12,424,711
1,092,980
677,132

10,725,651
16,516,610
9,447,907
7,068,703
6,924,143
12,477,127
12,148,873
1,515,719
872,411

3,871,585
0.00%
0.00%
(12,894,580)
121,947,090

3,871,585
0.00%
0.00%
46,769,642
150,649,399

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

95.58

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

70.44%
6.20%
1.54%
0.26%
2.50%
2.68%
29.56%
11.37
42.18%

60.63%
5.20%
1.95%
0.27%
2.18%
2.23%
39.37%
8.02
36.52%
1.88 1.75
0.17 0.23

4.Deposits to total assets (B3/C)

9.07%
11.18%
47.47%
65.96%

7.50%
26.22%
40.76%
65.15%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

83.84%
78.90%
75.15%

84.67%
70.68%
65.65%

12.01%
8.80%
37.57%
76.90%
73.27%

14.63%
11.48%
47.72%
56.29%
78.47%

16.63%

14.11%
2.77 3.36
11.58

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)

11.37

2011

4.Total deposit to total equity (B3/A) (times)

3.97 4.62

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

-19.04

SUMMIT BANK LTD

2008

A.Total equity (A1 to A3)

6,132,731

4,065,941

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

5,000,000
1,314,828
(182,097)
(312,611)
18,982,697
75,963

5,000,000
1,064,828
(1,998,887)
(11,541)
34,118,975
213,209

1,869,940
16,616,466
420,328
24,802,817

1,554,801
31,307,488
1,043,477
38,173,375

1,349,649
65,580
200,000
5,094,613
16,510,341
751,663
751,663
15,758,678
927,882
1,406,415
2,471,982

1,923,526
724,802
1,433,817
12,446,033
21,072,058
2,568,243
2,568,243
18,503,815
1,570,754
1,570,628
3,514,363

1,585,875
886,107
623,202
262,905
166,780
776,959
774,742
(347,274)
(191,408)

2,877,797
636,566
2,040,787
(1,404,221)
1,208,532
1,077,054
1,064,723
(2,285,586)
(2,066,790)

500,000
0.00%
11.11%
1,156,154
25,857,630

500,000
0.00%
0.00%
8,975,769
35,826,776

35.85%
3.57%
-3.12%
-0.77%
0.67%
1.06%
64.15%
-2.23
29.44%
4.65
-0.38

18.11%
1.67%
-50.83%
-5.41%
3.17%
-3.68%
81.89%
-0.47
22.80%
0.88
-4.13

4.Deposits to total assets (B3/C)

5.71%
20.54%
63.54%
66.99%

6.94%
32.60%
48.47%
82.01%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

76.53%
99.36%
89.31%

89.38%
67.31%
64.12%

4.55%
4.55%
12.26%
82.91%
100.00%

12.19%
12.19%
63.16%
79.46%
100.00%

24.73%
4.22
12.27
2.71

10.65%
8.81
8.13
7.7

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

53.61

2009

2010

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio

2011

1.Cash generated from opration activities to profit after tax (E4/D10) (times)

UBL

-6.04

2008

-4.34

2009

2010

A.Total equity (A1 to A3)

45,076,576

55,914,736

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

10,117,188
17,256,061
17,703,327
4,319,088
571,311,725
5,210,870

11,128,907
21,167,954
23,617,875
11,403,627
573,103,548
5,166,361

44,749,690
492,267,898
29,083,267
620,707,389

37,168,277
503,831,672
26,937,238
640,421,911

50,143,570
14,540,306
22,805,341
115,057,090
397,736,446
28,552,722
19,791,080
377,945,366
19,926,915
20,288,801
52,763,249

61,562,141
14,049,990
23,162,130
137,734,578
390,493,953
40,065,237
28,414,357
362,079,596
23,734,082
18,099,394
61,745,462

24,247,281
28,515,968
7,753,688
20,762,280
11,199,152
17,780,935
16,679,968
14,052,051
8,445,251

28,323,272
33,422,190
12,879,215
20,542,975
12,070,500
18,911,237
17,803,338
14,392,181
9,487,952

1,011,718
25.00%
10.00%
1,025,033
48,668,314

1,112,891
25.00%
10.00%
27,084,242
450,962,490

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

2011

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

54.05%
4.59%
18.74%
1.36%
1.80%
3.34%
45.95%

54.13%
5.22%
16.97%
1.48%
1.88%
3.21%
45.87%
1.19 1.24
25.62%
1.49 1.47
8.35 8.53

27.80%

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

10.42%
18.54%
60.89%
79.31%

11.81%
21.51%
56.54%
78.67%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

92.04%
80.80%
74.06%

89.49%
77.50%
72.18%

7.18%
4.98%
63.34%
39.18%
69.31%

10.26%
7.28%
71.65%
45.33%
70.92%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

7.26%

8.73%
1.08 8.07
50.24
9.01

44.55
10.92

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

INDUSTRIAL DEVELOPMENT BANK

0.12 2.85

2008

2009

2010

2011

A.Total equity (A1 to A3)

(27,942,705)

(27,804,610)

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

157,000
750,548
(28,850,253)
(252,683)
35,440,978
29,471

157,000
750,548
(28,712,158)
(365,817)
33,978,550
38,612

22,542,821
4,637,119
8,231,567
7,245,590

22,305,318
3,796,797
7,837,823
5,808,123

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)

212,428
30,513
600,000
4,036,610
6,492,401

1.Cash and balances with treasury banks


2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account

6,367,623
124,778
125,120
2,116,141
441,814

183,885
50,313
481,269
3,178,546
6,411,877
0 6,283,508
6,269,695
142,182
120,568
1,651,360
404,055

616,701
(174,887)
(605,602)
(780,489)
160,487
793,010
158,076
173,008
128,542

689,973
(285,958)
(159,224)
(126,694)
422,828
155,888
180,890
140,246
138,095

15,700
0.00%
0.00%
(549,050)
139,219

15,700
0.00%
0.00%
(756,259)
145,208

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

-39.58%
-2.41%
-0.46%
1.77%
2.21%
-10.77%
139.58%

-70.77%
-4.92%
-0.50%
2.38%
7.28%
-2.18%
170.76%
0.91 1.29
18.85%
0.98 0.43
8.19 8.8

131.66%

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

3.35%
55.71%
1.72%
64.00%

4.03%
54.73%
2.45%
65.37%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

489.14%
140.01%
23.89%

585.02%
168.88%
24.56%

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

0.00%
98.08%
0.00%
-9.51%

98.00%
97.78%
-22.60%
-2.54%
- 99.78%

-385.65%

-478.72%
0 -0.01
-1,770.99
-0.14

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

-1,779.79
-0.17

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

SME BANK

-4.27

2008

-5.48

2009

2010

A.Total equity (A1 to A3)

2,356,333

2,426,535

1.Share capital
2.Reserves

2,392,507
199,356

2,392,507
235,636

2011

3.Un appropriated profit


4.Others

(235,530)
(401,844)
3,802,521
37,686

(201,608)
(69,984)
5,192,070
54,542

1,518,100
1,892,018
354,717
5,757,010

1,728,922
2,934,403
474,203
7,548,621

200,112
49,751
100,000
2,545,053
7,942,929
5,496,498
5,416,607
2,526,322
124,546
211,226
774,797

213,861
79,660
33,445
2,701,816
9,243,470
6,166,877
5,285,573
3,957,897
122,462
439,480
879,072

385,379
389,418
11,368
378,050
58,647
568,691
570,101
(131,994)
(532,948)

523,653
355,419
58,921
296,498
21,478
1,216,276
1,236,080
(28,160)
(33,894)

239,251
0.00%
0.00%
550,566
2,550,866

239,251
0.00%
0.00%
(539,136)
2,988,550

50.26%
6.76%
-22.62%
-9.26%
1.02%
6.57%
49.74%
-4.32
68.23%
9.72
-2.23

40.43%
4.71%
-1.40%
-0.45%
0.28%
3.93%
59.57%
-43.89
135.06%
57.55
-0.14

4.Deposits to total assets (B3/C)

4.34%
44.21%
43.88%
32.86%

3.89%
35.79%
52.43%
38.87%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

66.05%
419.81%
232.92%

68.78%
315.00%
198.22%

69.20%
68.19%
233.26%
0.21%
98.55%

66.72%
57.18%
254.14%
1.11%
85.71%

40.93%
1.08
9.85
0.8

32.15%
1.23
10.14
1.21

-1.03

15.91

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

PUNJAB PROVINCIAL BANK

2008

A.Total equity (A1 to A3)

1,066,511

87,361

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

434,155
402,298
230,058
3,654,089
10,113,896

434,647
401,727
(749,013)
3,608,391
10,016,170

B.Total liabilities(B1 to B4)

2009

2010

2011

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

75,186

44,305

8,000,000
1,929,185
109,525
14,834,496

8,000,000
1,837,175
134,690
13,711,922

695,200
2,230,225

601,882
2,017,990
0

508,762
8,983,220
4,228,634
1,443,914
7,539,306
3,712,774
148,229
984,869

451,012
8,177,689
4,113,247
1,443,914
6,733,775
3,705,253
202,010
1,193,637

618,581
366,288
3,551
362,737
355,393
596,544
596,293
121,586
120,416

1,570,956
(377,319)

4,342
0.00%
0.00%
(3,725,168)
9,031,919

4,346
0.00%
0.00%
(321,956)
11,586,667

37.19%
2.47%
11.29%
0.81%
2.40%
2.45%
62.81%
4.9
44.51%
1.68
27.74

-31.61%
-2.75%
-1,120.72%
-7.14%
0.56%
-2.75%
131.61%
-0.69
53.43%
8.77
-225.26

4.Deposits to total assets (B3/C)

19.72%
3.43%
50.82%
13.00%

19.11%
3.29%
49.11%
13.40%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

68.18%
465.65%
90.47%

73.05%
445.12%
83.13%

47.07%
16.07%
396.49%
0.25%
34.15%

50.30%
17.66%
4,708.33%
0.00%
35.10%

7.19%
8.47
245.65
1.81

0.64%
132.63
20.1
21.03

D.Profit & loss account


1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

0
(377,319)
77,394
679,146
678,896
(979,071)
(979,071)

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

ZTBL

-30.94

2008

0.33

2009

2010

A.Total equity (A1 to A3)

16,888,812

16,888,812

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others

12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378

12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378

51,257,213
5,425,170

51,257,213
5,425,170

B.Total liabilities(B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts

2011

4.Other/misc. liabilities

C.Total assets (C1 to C4 + C8 to C10)


1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets

27,692,792
102,371,813

27,692,792
102,371,813

1,732,495
16,005,460

1,732,495
16,005,460
0

D.Profit & loss account

4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
8,484,623

4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
8,484,623

3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657

3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657

1,252,244
0.00%
0.00%
1,582,580
11,311,906

1,252,244
0.00%
0.00%
1,582,580
11,311,906

1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

E.Other items
1.No. of ordinary shares (000)
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies

F.Efficiency ratios/profitability ratios


1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after prov.) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)

58.87%
4.88%
15.43%
2.55%
5.65%
3.00%
41.13%
34.06%

58.87%
4.88%
15.43%
2.55%
5.65%
3.00%
41.13%
1.13 1.13
34.06%
0.78 0.78
2.08 2.08

G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)

4.Deposits to total assets (B3/C)

17.33%
4.84%
68.30%
5.30%

17.33%
4.84%
68.30%
5.30%

5.Total liabilities to total assets (B/C)


6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)

83.02%
1,433.51%
137.20%

83.02%
1,433.51%
137.20%

16.70%
10.09%
76.89%
24.52%
60.43%

16.70%
10.09%
76.89%
24.52%
60.43%

16.50%

16.50%
0.67 0.67
13.49
0.32 0.32

H.Assets quality ratios


1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)

I.Capital /leverage ratios


1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A) (times)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)

13.49

J.Cash flow ratio


1.Cash generated from opration activities to profit after tax (E4/D10) (times)

0.61 0.61

2009

2010

2011

2012

1,058,318

1,084,517

1,645,428

1,991,641

283,650
228,540
546,128
35,049
9,164,693
89,020

283,650
233,282
567,585
21,504
11,597,139
102,182

1,080,038
284,991
280,399
74,136
14,408,971
96,417

1,494,113
293,863
203,665
85,599
20,413,560
548,727

31,328
8,756,793
287,552
10,258,060

966,885
10,195,214
332,858
12,703,160

51,100
13,814,854
446,600
16,128,535

73,340
19,193,344
598,149
22,490,800

713,140
586,849
1,136,025
4,097,423
3,481,854
207,633
207,633
3,274,221
203,972
246,430
896,476

836,311
600,228
926,323
3,430,251
6,535,694
430,232
227,554
6,308,140
188,248
413,659
1,374,548

973,701
561,555
1,605,946
4,730,434
7,901,127
523,443
200,064
7,701,063
229,344
326,492
1,918,759

1,188,234
636,034
4,219,779
7,263,885
8,573,327
612,714
238,684
8,334,643
239,084
609,141
1,798,231

408,000
488,476
179,549
308,927
66,879
462,060
451,930
(86,254)
(80,101)

763,841
610,707
76,899
533,808
57,141
536,272
533,679
54,677
23,711

1,176,451
742,308
5,475
747,783
253,719
601,399
600,986
400,103
258,547

1,037,893
760,338
50,508
709,830
95,581
716,920
716,657
88,491
43,556

28,365
0.00%
0.00%
2,108,232
226,087

28,365
0.00%
0.00%
(521,807)
201,272

108,004
0.00%
0.00%
1,070,465
297,230

149,411
0.00%
0.00%
2,531,961
807,143

54.49%
4.76%
-7.57%
-0.78%
0.65%
3.01%
45.51%
-5.24
47.96%
6.76
-2.82

44.43%
4.81%
2.19%
0.19%
0.45%
4.20%
55.57%
9.76
37.46%
9.34
0.84

38.69%
4.60%
15.71%
1.60%
1.57%
4.64%
61.31%
1.5
27.68%
2.37
2.39

42.28%
3.38%
2.19%
0.19%
0.42%
3.16%
57.72%

12.67%
39.94%
31.92%
85.37%

11.31%
27.00%
49.66%
80.26%

9.52%
29.33%
47.75%
85.65%

8.11%
32.30%
37.06%
85.34%

89.34%
39.76%
39.62%

91.29%
64.11%
58.55%

89.34%
57.19%
56.98%

90.76%
44.67%
44.50%

5.96%
5.96%
19.62%
86.47%
100.00%

6.58%
3.48%
39.67%
33.79%
52.89%

6.62%
2.53%
31.81%
2.74%
38.22%

7.15%
2.78%
30.76%
21.16%
38.96%

10.32%
0.21
37.31
8.27

8.54%
0.19
38.23
9.4

10.20%
0.18
15.23
8.4

8.86%

-26.32

-22.01

4.14

58.13

8.1
37.86%
7.5
0.29

0.41
13.33
9.64

2009

2010

2012

105,687,665

112,671,683

119,434,799

10,763,702
23,395,059
61,696,594
24,937,197
825,460,717
10,621,169

13,454,629
25,129,425
67,103,611
25,611,167
906,719,635
8,006,631

16,818,285
26,212,505
69,640,893
23,282,533
1,019,012,206
9,104,710

18,500,114
30,305,210
70,629,475
36,743,263
1,159,982,395
14,367,639

44,828,138
727,513,013
42,498,397
946,253,269

19,657,207
832,134,054
46,921,743
1,038,018,467

27,671,745
927,410,553
54,825,198
1,154,966,422

51,112,248
1,038,094,985
56,407,523
1,316,160,457

116,668,514
28,786,397
19,683,526
217,596,037
531,103,507
71,174,034
55,765,068
475,338,439
25,200,870
62,979,486
78,124,796

115,657,025
30,743,368
23,051,171
301,078,498
540,130,378
86,871,353
61,243,623
478,886,755
27,620,697
60,980,953
88,681,381

131,843,344
28,070,350
43,973,531
319,353,392
595,630,955
88,391,640
67,509,359
528,121,596
29,064,564
74,539,645
95,956,361

158,756,638
30,895,173
8,280,997
342,964,635
734,349,374
89,159,413
73,349,374
661,000,000
29,714,221
84,548,793
101,125,889

40,448,291
37,676,505
11,820,292
25,856,213
19,109,332
23,766,703
22,816,665
21,198,842
17,449,042

45,169,744
43,511,637
10,009,482
33,502,155
18,150,883
27,030,751
26,732,045
24,622,287
17,738,405

48,566,973
47,173,224
9,358,165
37,815,059
19,738,325
28,131,683
30,945,203
26,131,683
17,724,846

56,552,485
44,573,404
8,019,096
36,554,308
24,804,561
24,063,424
36,733,708
24,063,424
16,887,057

1,076,370
75.00%
25.00%
40,806,019
236,732,608

1,345,463
75.00%
25.00%
92,320,340
405,881,788

1,681,828
75.00%
10.00%
41,816,805
520,889,243

1,850,011,327
70.00%
15.00%
60,861,739
520,100,721

48.23%
3.98%
18.20%
1.84%
2.02%
2.73%
51.77%
1.08
24.44%
1.19
16.21

49.07%
4.19%
16.78%
1.71%
1.75%
3.23%
50.93%
1.09
25.30%
1.47
13.18

49.16%
4.10%
15.73%
1.53%
1.71%
3.27%
50.61%
1.18
24.32%
1.57
10.54

44.08%
3.39%
14.14%
1.28%
1.88%
2.78%
55.92%

15.37%
23.00%
50.23%
76.88%

14.10%
29.01%
46.13%
80.17%

13.85%
27.65%
45.73%
80.30%

14.41%
26.06%
50.22%
78.87%

87.23%
73.00%
68.77%

87.35%
64.91%
63.41%

88.23%
64.23%
62.36%

88.13%
70.74%
67.42%

13.40%
10.50%
74.25%
21.20%
78.35%

16.08%
11.34%
82.20%
16.34%
70.50%

14.84%
11.33%
78.45%
13.86%
76.38%

12.14%
9.99%
74.65%
10.93%
82.27%

10.13%
2.47
89.05
7.59

10.18%
3.84
78.55
7.87

9.76%
4.62
66.99
8.23

9.07%

2.34

5.2

2.36

2010
-

2011

95,855,355

2011
10,749,561

1.53
19.11%
1.48
0.01

4.35
0.06
8.69
3.6

2012
11,037,333

2009

10,000,000
149,912
599,649
(86,548)
37,067,110
42,251
13,012,647
23,517,740
494,472
47,730,123

10,000,000
327,466
709,867
50,855
81,202,911
176,125
48,602,402
31,469,652
954,732
92,291,099

1,655,815
243,519
10,905,410
26,081,535
7,259,330
0
0
7,259,330
584,054
1,000,460
3,704,280

2,430,525
424,573
4,619,591
62,631,024
19,281,888

2,241,345
1,462,935
31,382
1,431,553
222,183
513,773
513,773
1,139,963
749,561
1,000,000

4,102,783
2,038,415
1,069
2,037,346
526,717
1,277,636
1,277,607
1,286,427
88,772
1,000,000

0.00%
0.00%
18,654,331
25,311,295
39.49%

6.00%
0.00%
38,872,837
65,855,409
33.19%

3.07%
6.97%
1.57%
0.47%
3.00%
60.51%
0.45
13.08%
2.31
0.75
3.98%

2.21%
0.80%
0.10%
0.57%
2.21%
66.81%

54.64%
15.21%
49.27%

67.86%
20.89%
34.10%

77.66%
30.87%
19.87%
0.00%

87.99%
61.27%
24.08%
0.00%

0.00%
0.00%

0.00%
0.00%

22.52%

2.35
10.75
2.19

0
0
19,281,888
1,556,804
1,346,694
6,141,198

0.99
19.16%
2.43
0.09
3.09%

2010

11.96%
5.97
11.04
2.85

2011

2012

5,040,633

5,604,119

9,700,427

10,775,628

5,004,001
435,342
(398,710)
921,664
32,848,273

5,004,001
548,039
52,079
3,796,254
41,393,930

8,228,001
722,501
749,925
665,067
58,058,972

9,001,433
937,541
836,654
951,171
70,450,839

229,973

280,665

281,292

558,026

5,147,036
26,285,794
1,185,470
38,810,570

2,894,759
36,981,351
1,237,155
50,794,303

10,391,732
45,548,423
1,837,525
68,424,466

7,420,113
60,043,083
2,429,617
82,177,638

1,542,102
2,403,698
1,810,846
17,925,911
14,820,746
4,457,159
2,984,784
11,835,962
1,013,670
2,278,381
3,390,014

5,079,720
1,502,684
2,562,093
19,852,730
21,272,033
4,117,581
3,033,700
18,238,333
1,121,554
2,437,189
4,207,155

2,802,781
1,527,561
1,800,566
36,684,689
25,284,711
3,938,731
2,996,912
22,287,799
1,301,822
2,019,248
6,946,827

3,108,819
1,649,512
1,501,000
45,671,700
29,708,787
4,334,605
3,016,021
26,692,766
1,359,149
2,194,692
7,204,937

2,390,388
999,626
1,261,819
(262,193)
383,702
920,279
719,453
(798,770)
(637,183)

2,925,066
1,282,089
322,766
1,604,855
59,677
951,391
943,680
713,141
563,486

4,551,942
2,394,885
244,624
2,150,261
730,010
1,285,458
1,468,480
1,285,458
872,308

4,611,172
2,593,765
178,113
2,415,652
976,115
1,569,218
1,657,560
1,569,218
1,075,201

500,400
0.00%
0.00%
6,445,596
6,966,342

500,400
0.00%
0.00%
1,804,102
7,560,301

822,800
0.00%
0.00%
13,250,791
9,270,649

900,143
0.00%
9.40%
9,862,004
14,977,927

29.49%
2.58%
-12.64%
-1.64%
0.99%
-0.68%
70.51%
-0.9
24.39%
1.88
-1.27

30.47%
2.52%
10.05%
1.11%
0.12%
3.16%
69.53%
1.32
22.30%
15.81
1.13

34.47%
3.50%
8.99%
1.27%
1.07%
3.14%
65.53%
1.14
16.74%
2.01
1.06

36.00%
3.16%
9.98%
1.31%
1.19%
2.94%
64.00%

10.17%
46.19%
30.50%
67.73%

12.96%
39.08%
35.91%
72.81%

6.33%
53.61%
32.57%
66.57%

5.79%
55.58%
32.48%
73.06%

84.64%
56.38%
47.15%

81.49%
57.52%
53.35%

84.85%
55.51%
45.20%

85.73%
49.48%
44.04%

30.07%
20.14%
88.42%
42.28%
66.97%

19.36%
14.26%
73.47%
10.64%
73.68%

15.58%
11.85%
40.60%
8.16%
76.09%

14.59%
10.15%
40.23%
5.91%
69.58%

12.99%
1.38
10.07
5.21

11.03%
1.35
11.2
6.6

14.18%
0.96
11.79
4.7

13.11%

-10.12

2009

2010

3.2

2011

1.06
19.18%
1.7
1.19

1.39
11.97
5.57

15.19

9.17

2012

5,056,520

(7,111,043)

(6,976,480)

(6,267,811)

5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801

5,287,974
2,012,492
(14,411,509)
10,720,993
225,521,824
581,100

5,287,974
1,914,956
(14,179,410)
17,637,501
270,228,671
850,569

5,287,974
1,187,433
(12,743,218)
18,638,460
319,739,825
1,500,709

12,278,773
164,072,532

11,526,783
208,176,902

24,963,566
237,896,692

44,683,826
266,055,761

4,594,889
185,909,120

5,237,039
229,131,774

6,517,844
280,889,692

7,499,529
332,110,474

10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
17,752,969

14,069,601
3,276,234
7,309,587
56,359,404
150,117,159
77,393,928
29,320,465
120,796,694
3,534,660
23,785,594
18,217,583

16,698,333
3,607,107
7,447,375
92,492,813
153,430,862
73,643,672
26,323,361
127,107,501
3,597,483
29,939,080
20,682,061

17,298,251
3,101,170
1,562,946
129,552,044
175,880,046
69,328,698
26,314,161
149,565,885
3,473,491
27,556,687
24,662,361

16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)

18,801,642
(584,059)
3,326,945
(3,911,004)
1,885,446
4,176,654
3,435,049
6,202,212
4,046,554

21,073,271
(391,210)
2,587,637
2,196,427
1,989,708
3,716,432
3,959,217
469,703
294,924

22,522,918
2,139,443
(749,928)
2,889,371
3,190,745
4,565,509
4,437,680
1,514,607
1,744,556

528,797
0.00%
- 0.00%
32,984,625
39,847,267

528,797
0.00%
0.00%
32,984,625
42,923,697

528,797
0.00%
0.00%
20,546,543
67,933,839

528,797
0.00%
(48,385,008)
46,903,142
6.42%
0.61%
-198.94%
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67
-19.02

-3.21%
-0.25%
-56.91%
1.77%
0.82%
-1.71%
103.21%
0.55
20.78%
1.82
7.65

-1.89%
-0.14%
-4.23%
0.10%
0.71%
0.78%
101.89%
8.43
16.39%
1.99
0.56

8.67%
0.64%
-27.83%
0.53%
0.96%
0.87%
91.33%

6.92%
12.22%
70.86%
88.25%

7.57%
24.60%
52.72%
90.85%

7.23%
32.93%
45.25%
84.69%

6.14%
39.01%
45.03%
80.11%

97.99%
93.39%
86.89%

98.42%
72.11%
68.33%

96.20%
64.49%
58.37%

96.28%
66.11%
56.60%

27.86%
14.03%
844.24%
89.46%
50.35%

51.56%
19.53%
-1,088.36%
11.35%
37.88%

48.00%
17.16%
-1,055.60%
9.83%
35.74%

39.42%
14.96%
-1,106.11%
-2.85%
37.96%

2.72%
9.28
9.56
32.45

-3.10%
-5.6
-13.45
-29.28

-2.48%
-6.15
-13.19
-34.1

-1.89%
-10.84
-11.85
-42.45

111.84

11.78

4.81

2009

8.15

2010

2011

2.93
16.39%
1.39
3.3

2012

3,487,571

6,115,886

6,526,256

4,500,000

8,935,200

5,883,539
8,935,200
82,074
(3,133,735)
138,414
67,847,098
746,651

(1,012,429)
5,388
16,269,491
262,691

(2,819,314)
3,191
54,644,587
427,600

8,935,200
0 82,074
(2,491,018)
(1,773)
66,020,396
451,030

20,000
15,081,242
905,558
19,762,450

2,756,892
49,324,209
2,135,886
60,763,664

1,736,120
61,559,026
2,274,220
72,544,879

1,991,738
63,278,655
1,830,054
73,869,051

1,337,892

4,460,257

3,945,481

4,221,381

959,078
1,600,000
3,356,705
9,760,212
1,213,994
320,969
9,439,243
1,741,736
1,327,796
1,914,228

7,409,620
80,000
15,617,589
28,820,378
3,735,780
1,923,180
26,897,198
2,732,332
3,566,668
2,198,794

7,577,186
26,179,416
29,601,824
4,466,038
1,991,116
27,610,708
2,798,165
4,433,923
6,699,178

6,712,477
0 1,100,000
27,421,461
31,509,123
6,093,026
2,726,675
28,782,448
2,629,176
3,002,108
6,271,140

1,234,890
679,338
344,009
335,329
301,855
1,436,066
1,410,569
(798,882)
(564,013)

1,658,608
540,186
764,375
(224,189)
247,021
1,595,139
1,508,590
(1,572,307)
(1,039,595)

5,001,222
1,697,956
227,176
1,925,132
482,058
1,926,488
1,910,731
480,702
410,370

4,725,249
1,545,891
802,491
743,400
406,151
2,102,545
1,991,125
(952,994)
(642,717)

450,000
0.00%
0.00%
2,173,889
8,660,685

893,520
0.00%
0.00%
8,797,050
14,532,742

893,520
0.00%
0.00%
10,255,250
12,436,239

893,520
0.00%
0.00%
523,909
13,347,433

35.49%
3.44%
-16.17%
-2.85%
1.53%
1.70%
64.51%
-1.77
64.80%
4.67
-1.25

24.57%
0.89%
-17.00%
-1.71%
0.41%
-0.37%
75.43%
-0.96
65.22%
6.11
-1.16

25.35%
2.34%
6.29%
0.57%
0.66%
2.65%
74.65%
3.97
26.83%
3.96
0.46

24.65%
2.09%
-10.92%
-0.87%
0.55%
1.01%
75.35%
-2.09
31.49%

11.62%
16.99%
47.76%
76.31%

19.53%
25.70%
44.27%
81.17%

15.88%
36.09%
38.06%
84.86%

14.80%
37.12%
38.96%
85.66%

82.33%
64.72%
64.63%

89.93%
58.43%
55.34%

91.01%
48.09%
46.77%

91.85%
49.79%
48.27%

12.44%
3.29%
34.81%
107.18%
26.44%

12.96%
6.67%
61.08%
39.75%
51.48%

15.09%
6.73%
68.43%
11.41%
44.58%

19.34%
8.65%
103.56%
29.43%
44.75%

17.65%
2.48
7.75
4.32

10.07%
2.38
6.84
8.06

9.00%
1.91
7.3
9.43

7.96%

24.99

-0.82

-3.85

2009

2010

-8.46

2011

4.9
-0.72

2.27
6.58
10.76

2012

25,857,515

31,191,174

37,761,572

43,275,849

7,110,008
6,582,845
12,164,662
4,062,279
388,421,058
3,162,429

7,821,009
7,516,910
15,853,255
4,798,456
413,976,778
4,118,791

8,603,110
8,762,745
20,395,717
5,717,786
472,409,254
4,015,317

9,463,421
10,906,250
22,906,178
7,987,705
581,038,152
6,203,051

39,818,532
328,872,559
16,567,538
418,340,852

20,774,450
371,280,948
17,802,589
449,966,408

49,993,200
399,560,790
18,839,947
515,888,612

38,916,192
514,702,444
21,216,465
632,301,706

26,435,683
1,280,591
28,122,932
94,673,100

31,265,658
579,700
11,488,944
121,158,730

36,479,765
1,679,121
1,361,754
195,789,638

43,351,703
1,029,292
10,720,935
267,682,679

2009

249,925,187
16,281,178
12,542,665
237,382,522
12,459,586
17,986,438
41,144,667

268,532,972
18,688,166
15,430,262
253,102,710
15,371,118
16,999,548
45,011,184

262,143,554
20,452,465
17,703,717
244,439,837
18,095,123
18,043,374
51,828,897

288,920,715
20,667,561
17,805,032
271,115,683
18,475,755
19,925,659
49,512,005

22,421,218
18,723,449
4,511,166
14,212,283
6,078,257
9,718,918
9,517,584
10,571,622
7,149,310

22,465,506
22,545,678
4,083,385
18,462,293
5,867,378
11,914,322
11,344,090
12,415,279
8,283,817

26,696,185
25,132,712
3,009,024
22,123,688
7,263,796
14,129,619
13,289,101
15,257,865
10,256,173

31,180,990
18,331,015
650,560
17,680,455
14,244,897
15,778,911
14,686,046
16,146,441
11,882,367

711,001
40.00%
10.00%
10,687,333
120,551,592

782,101
40.00%
10.00%
36,199,585
108,128,287

860,311
50.00%
10.00%
86,857,938
173,528,427

946,342
65.00%
10.00%
75,355,317
138,568,953

45.51%
4.48%
27.65%
1.71%
1.45%
3.40%
54.49%
0.9
20.58%
1.57
10.06

50.09%
5.01%
26.56%
1.84%
1.30%
4.10%
49.91%
0.91
23.42%
1.93
10.59

48.49%
4.87%
27.16%
1.99%
1.41%
4.29%
51.51%
0.87
23.91%
1.83
11.92

37.02%
2.90%
27.46%
1.88%
2.25%
2.80%
62.98%

6.63%
22.63%
56.74%
78.61%

7.08%
26.93%
56.25%
82.51%

7.40%
37.95%
47.38%
77.45%

7.02%
42.33%
42.88%
81.40%

92.85%
75.99%
67.79%

92.00%
72.33%
68.49%

91.57%
65.61%
58.31%

91.89%
56.13%
52.19%

6.51%
5.02%
62.96%
35.97%
77.04%

6.96%
5.75%
59.91%
26.46%
82.57%

7.80%
6.75%
54.16%
17.00%
86.56%

7.15%
6.16%
47.76%
3.65%
86.15%

6.18%
4.66
36.37
12.72

6.93%
3.47
39.88
11.9

7.32%
4.6
43.89
10.58

6.84%

1.49

4.37

8.47

2010

2011

0.91
24.75%
1.03
12.56

3.2
45.73
11.89
6.34

2012

13,164,224

14,819,933

16,585,997

17,787,356

5,073,467
7,287,041
803,716
1,823,647
239,365,567
2,945,670

6,427,440
7,712,855
679,638
1,212,292
298,747,904
3,089,984

7,070,184
8,135,795
1,380,018
1,295,861
325,983,862
2,756,032

8,130,711
8,541,776
1,114,869
2,040,025
333,383,893
3,700,156

19,300,163
205,912,903
11,206,831
254,353,438

25,554,777
255,908,149
14,194,994
314,780,129

17,274,979
291,499,395
14,453,456
343,865,720

8,376,740
306,929,729
14,377,268
353,211,274

19,385,850
8,374,640
4,649,059
66,885,617
147,633,745
17,725,451
12,593,844

22,565,190
3,787,538
9,194,186
102,100,063
168,435,880
21,598,648
15,651,626

26,168,206
6,236,116
1,613,584
133,655,387
167,381,246
23,645,541
16,668,690

24,435,422
8,865,303
6,341,474
145,354,253
162,855,583
26,518,448
19,127,748

2009

135,039,901
9,332,361
10,686,010
22,590,230

152,784,254
10,084,422
14,264,476
27,954,956

150,712,556
9,451,033
16,028,838
32,768,950

143,727,835
8,901,522
15,585,465
32,404,345

13,542,210
9,048,020
2,914,893
6,133,127
2,625,545
7,159,061
7,124,693
1,599,691
1,068,864

17,931,715
10,023,241
3,035,725
6,987,516
2,234,053
8,009,956
7,937,367
1,249,627
919,461

22,699,089
10,069,861
1,771,471
8,298,390
3,017,770
8,874,165
8,787,381
2,454,944
1,705,207

22,973,385
9,430,960
2,693,356
6,737,604
4,316,216
9,315,577
9,226,563
1,766,057
1,289,145

507,347
0.00%
20.00%
36,871,225
106,574,473

642,744
0.00%
10.00%
35,789,356
196,716,932

707,018
0.00%
15.00%
36,472,843
165,250,062

813,071
0.00%
0.00%
10,998,418
192,114,856

40.05%
3.56%
8.12%
0.42%
1.03%
2.41%
59.95%
4.45
28.39%
2.71
2.11

35.85%
3.18%
6.20%
0.29%
0.71%
2.22%
64.15%
6.35
26.53%
3.55
1.43

30.73%
2.93%
10.28%
0.50%
0.88%
2.41%
69.27%
3.58
24.80%
2.91
2.41

29.10%
2.67%
7.25%
0.36%
1.22%
1.91%
70.90%

10.91%
26.30%
53.09%
80.96%

8.37%
32.44%
48.54%
81.30%

9.42%
38.87%
43.83%
84.77%

9.43%
41.15%
40.69%
86.90%

94.11%
71.70%
65.55%

94.91%
65.82%
59.84%

94.80%
57.42%
54.21%

94.39%
53.06%
51.65%

12.01%
8.53%
134.65%
23.15%
71.05%

12.82%
9.29%
145.74%
19.40%
72.47%

14.13%
9.96%
142.56%
10.63%
70.49%

16.28%
11.75%
149.09%
14.08%
72.13%

5.18%
8.1
25.95
15.64

4.71%
13.27
23.06
17.27

4.82%
9.96
23.46
17.58

5.04%
10.8
21.88
17.26

34.5

38.92

21.39

2010

2011

5.22
25.37%
2.14
1.59

8.53

2012

12,286,874

14,744,106

17,878,659

21,283,639

6,101,370
3,664,925
2,520,579
1,818,084
235,701,642
3,187,383

7,321,643
4,392,264
3,030,199
1,472,677
285,579,563
2,989,989

8,785,972
5,324,689
3,767,998
2,132,629
364,514,326
4,979,720

10,103,868
6,464,546
4,715,225
2,894,776
429,175,527
5,257,191

33,517,109
189,280,062
9,717,088
249,806,600

22,579,348
249,760,885
10,249,341
301,796,346

43,441,594
302,097,187
13,995,825
384,525,614

69,622,055
340,386,558
13,909,723
453,353,942

14,377,589
4,626,726
111,017,701
108,373,012
2,067,656
2,387,693
105,985,319
9,561,955
4,237,310

19,000,990
2,132,806
0 1,139,268
137,234,656
129,083,773
2,943,863
3,310,481
125,773,292
10,264,310
6,251,024

22,957,988
6,744,643
223,105,101
119,994,310
3,203,630
5,131,178
114,863,132
10,791,345
6,063,405

27,464,345
9,747,248
0 993,981
249,923,504
153,453,820
3,705,730
5,593,992
147,859,828
11,211,423
6,153,613

22,120,105

27,480,798

36,529,237

41,474,034

13,053,137
9,066,968
1,183,026
7,883,942
1,836,082
5,207,953
5,045,731
4,512,071
2,856,294

16,666,489
10,814,309
946,451
9,867,858
2,187,640
6,331,063
6,225,457
5,724,435
3,667,980

22,372,988
14,156,249
1,820,779
12,335,470
2,607,806
7,784,283
7,621,965
7,158,993
4,537,104

26,105,028
15,369,006
466,087
14,902,918
3,058,834
9,032,511
9,032,511
8,929,242
5,510,520

610,137
20.00%
20.00%
65,727,310
63,417,914

732,164
20.00%
20.00%
30,127,758
60,004,910

878,597
25.00%
15.00%
94,364,848
106,642,467

1,010,387
30.00%

40.99%
3.63%
23.25%
1.14%
0.74%
3.16%
59.01%
1.12
21.74%
2.75
4.68

39.35%
3.58%
24.88%
1.22%
0.72%
3.27%
60.65%
1.09
21.34%
2.85
5.01

38.75%
3.68%
25.38%
1.18%
0.68%
3.21%
61.25%
1.06
19.89%
2.92
5.16

37.06%
3.39%
25.89%
1.22%
0.67%
3.29%
62.94%

7.61%
44.44%
42.43%
75.77%

7.00%
45.47%
41.67%
82.76%

7.72%
58.02%
29.87%
78.56%

8.21%
55.13%
32.61%
75.08%

94.35%
57.26%
48.64%

94.63%
51.68%
47.40%

94.80%
39.72%
34.73%

94.67%
45.08%
37.43%

1.91%
2.20%
16.83%
49.55%
115.48%

2.28%
2.56%
19.97%
28.59%
112.45%

2.67%
4.28%
17.92%
35.48%
160.17%

2.41%
3.65%
17.41%
8.33%
150.96%

4.92%
5.16
20.14
15.41

4.89%
4.07
20.14
16.94

4.65%
5.96
20.35
16.9

4.69%

23.01

2009

2010

8.21

2011

36,872,715
107,919,532

1.01
20.28%
2.95
5.45

5.07
21.06
15.99

20.8

6.69

2012

17,055,606

17,238,003

22,839,886

25,689,740

13,491,563
3,587,969
(23,926)
4,626,589
367,612,072
3,766,144

13,491,563
3,819,133
(72,693)
4,410,008
390,155,871
4,521,533

13,491,563
4,100,264
5,248,059
2,937,152
442,396,764
5,403,453

13,491,563
5,636,549
6,561,628
4,557,662
506,219,292
8,430,910

20,653,921
324,743,389
18,448,618
389,294,267

13,700,124
354,010,690
17,923,524
411,803,882

18,168,978
401,245,675
17,578,658
468,173,802

21,227,834
457,118,723
19,441,825
536,466,694

35,056,025
22,722,927
14,947,435
99,279,438
196,802,164
15,585,716
8,780,672
188,021,492
14,552,454
14,714,496
35,554,930

41,197,841
16,180,533
6,497,556
113,622,561
217,822,143
17,710,312
10,670,089
207,152,054
14,251,595
12,901,742
37,530,398

50,882,662
17,424,524
7,765,407
166,648,636
211,397,355
19,096,614
12,928,843
198,468,512
13,388,683
13,595,378
44,298,178

58,044,054
26,720,993
876,870
189,486,762
248,345,992
22,181,548
14,412,634
233,933,358
13,747,520
13,657,137
46,079,918

24,709,878

23,854,578

25,687,485

27,500,056

10,845,052
3,451,912
7,393,140
5,202,233
11,346,473
11,009,954
437,664
(97,904)

13,675,820
2,411,846
11,263,974
4,903,726
12,835,658
12,658,021
2,065,110
1,166,983

18,610,693
4,329,500
14,281,193
5,367,713
14,215,188
13,832,096
5,433,716
5,948,685

18,579,862
3,558,532
15,021,330
7,281,340
15,519,468
15,204,036
6,783,202
4,556,121

1,349,156
8.00%
0.00%
19,947,703
159,052,924

1,349,156
0.00%
0.00%
18,101,276
179,210,913

1,349,156
17.50%
0.00%
53,536,423
189,279,494

1,349,156
20.00%
0.00%
49,944,024
124,627,168

30.50%
2.79%
-0.57%
-0.03%
1.34%
1.90%
69.50%
25.16
27.84%
2.12
-0.07

36.44%
3.32%
6.77%
0.28%
1.19%
2.74%
63.56%
6.13
30.25%
2.58
0.86

42.01%
3.98%
26.05%
1.27%
1.15%
3.05%
57.99%
2.55
28.62%
2.58
4.41

40.32%
3.46%
17.74%
0.85%
1.36%
2.80%
59.68%

14.84%
25.50%
48.30%
83.42%

13.93%
27.59%
50.30%
85.97%

14.59%
35.60%
42.39%
85.70%

15.80%
35.32%
43.61%
85.21%

94.43%
60.60%
56.98%

94.74%
61.53%
59.24%

94.49%
52.69%
50.40%

94.36%
54.33%
51.92%

7.92%
4.46%
91.38%
39.31%
56.34%

8.13%
4.90%
102.74%
22.60%
60.25%

9.03%
6.12%
83.61%
33.49%
67.70%

8.93%
5.80%
86.34%
24.69%
64.98%

4.38%
9.33
12.64
19.04

4.19%
10.4
12.78
20.54

4.88%
8.29
16.93
17.57

4.79%

10.96

-203.75

2009

2010

15.51

2011

2.24
29.08%
2.09
3.38

4.85
19.04
17.79

2012

4,690,622

4,734,004

5,143,560

5,554,413

5,279,679
(589,057)
29,776
29,472,124
485,608

5,279,679
0 9,310
(554,985)
32,382
40,269,317
563,020

5,279,679
91,221
(227,340)
169,078
53,508,676
798,853

5,279,679
173,392
101,342
18,041
68,663,576
1,251,010

156,160
27,911,651
918,705
34,192,522

353,000
38,198,320
1,154,977
45,035,703

800,000
50,568,785
1,341,038
58,821,314

1,621,415
64,216,485
1,574,666
74,236,030

4,217,520
2,059,808
4,018,813
6,653,447
10,707,012
788,665
249,709
10,457,303
2,375,515
4,410,116
2,181,887

3,035,148
569,622
4,513,132
13,732,132
19,894,682
741,680
328,972
19,565,710
2,066,680
1,553,279
3,809,955

4,684,826
549,277
4,436,264
21,067,082
25,054,954
838,101
389,495
24,665,459
1,811,628
1,606,778
5,502,154

4,938,707
806,110
8,475,672
28,994,462
27,933,829
1,205,222
500,567
27,433,262
1,913,106
1,674,711
5,975,306

1,215,019
966,868
111,198
855,670

2,049,453
1,760,502
5,247
1,755,255

2,883,355
2,618,799
60,523
2,558,276

3,506,965
2,468,341
96,072
2,372,269

2009

342,687
1,770,664
170,047
(572,307)
(483,598)

207,168
1,920,590
1,897,405
41,833
41,159

226,709
2,176,398
2,139,128
608,587
409,556

533,932
2,279,759
2,271,642
626,442
410,853

527,968
0.00%
0.00%
4,472,916
1,439,984

527,968
0.00%
0.00%
4,261,151
4,467,998

527,968
0.00%
0.00%
8,826,592
4,614,660

527,968
0.00%
0.00%
9,052,857
7,391,771

44.31%
2.83%
-10.31%
-1.41%
1.00%
2.50%
55.69%
-0.3
70.14%
0.5
-0.92

46.21%
3.91%
0.87%
0.09%
0.46%
3.90%
53.79%
45.36
47.81%
9.16
0.08

47.60%
4.45%
7.96%
0.70%
0.39%
4.35%
52.40%
3.51
37.99%
9.44
0.78

41.31%
3.32%
7.40%
0.55%
0.72%
3.20%
58.69%

18.36%
19.46%
30.58%
81.63%

8.00%
30.49%
43.44%
84.82%

8.90%
35.82%
41.93%
85.97%

7.74%
39.06%
36.95%
86.50%

86.19%
38.36%
38.15%

89.42%
52.08%
51.61%

90.97%
49.55%
48.77%

92.49%
43.50%
42.43%

7.37%
2.33%
16.81%
44.53%
31.66%

3.73%
1.65%
15.67%
1.59%
44.35%

3.35%
1.55%
16.29%
15.54%
46.47%

4.31%
1.79%
21.70%
19.19%
41.53%

13.72%
0.31
8.88
5.95

10.51%
0.94
8.97
8.07

8.74%
0.9
9.74
9.83

7.48%

-9.25

103.53

21.55

22.03

2010

2011

3.63
35.02%
4.25
0.78

1.33
10.52
11.56

2012

4,801,589

4,266,067

5,777,579

5,864,255

5,010,458
16,751
(225,620)
40,191
8,166,895
58,263

5,010,458
16,751
(761,142)
59,916
13,349,703
86,867

7,410,458
16,751
(1,649,630)
26,999
21,851,637
210,932

7,410,458
2,030
(1,548,233)
73,226
41,247,971
390,795

1,094,375
6,784,750
229,507
13,008,675

287,291
12,636,083
339,462
17,675,686

447,300
20,341,241
852,164
27,656,215

3,087,150
35,922,038
1,847,988
47,185,452

675,988
577,349
2,857,942
2,861,751
5,001,443
731,740
237,821
4,763,622
600,626
671,397
1,131,873

1,324,461
400,468
2,679,753
5,050,878
6,236,849
1,153,118
620,647
5,616,202
646,645
1,957,279
1,263,461

1,379,696
2,215,636

2,452,464
907,255

9,982,793
13,233,151
1,020,934
802,014
12,431,137
671,890
975,063
2,375,585

17,156,398
24,077,313
1,029,984
706,781
23,370,532
1,130,246
2,168,557
3,603,352

650,752
481,121
257,089
224,032
56,818
686,002
685,677

726,325
537,136
406,279
130,857
64,260
1,019,677
986,592

1,423,171
952,414
251,580
700,834
188,537
1,236,279
1,229,345

2,594,187
1,009,165
(173,859)
1,183,024
456,150
1,605,828
1,613,203

2009

(405,152)
(292,627)

(824,560)
(535,522)

(346,908)
(288,488)

33,346
84,646

501,046
0.00%
0.00%
654,955
1,911,426

501,046
0.00%
0.00%
2,667,586
5,704,888

741,046
0.00%
0.00%
5,394,077
1,296,300

741,046
0.00%
0.00%
7,024,807
3,709,955

42.51%
3.70%
-6.09%
-2.25%
0.44%
1.72%
57.49%
-1.69
57.71%
12.07
-0.58

42.51%
3.04%
-12.55%
-3.03%
0.36%
0.74%
57.49%
-1.2
76.80%
15.35
-1.07

40.09%
3.44%
-4.99%
-1.04%
0.68%
2.53%
59.91%
-3.54
48.21%
6.52
-0.39

28.01%
2.14%
1.44%
0.18%
0.97%
2.51%
71.99%
48.38
39.56%

9.63%
22.00%
36.62%
52.16%

9.76%
28.58%
31.77%
71.49%

13.00%
36.10%
44.95%
73.55%

7.12%
36.36%
49.53%
76.13%

62.78%
73.72%
63.48%

75.53%
49.36%
48.26%

79.01%
65.06%
63.66%

87.42%
67.03%
61.72%

14.63%
4.76%
15.24%
108.10%
32.50%

18.49%
9.95%
27.03%
65.46%
53.82%

7.71%
6.06%
17.67%
31.37%
78.56%

4.28%
2.94%
17.56%
-24.60%
68.62%

36.91%
0.4
9.58
1.41

24.14%
1.34
8.51
2.96

20.89%
0.22
7.8
3.52

12.43%

-2.24

-4.98

-18.7

82.99

2010

2011

3.54
0.11

0.63
7.91
6.13

2012

6,040,247

6,048,321

6,238,807

6,784,505

6,776,030
45,347
(781,130)
18
29,328,629
279,493

6,776,030
46,961
(774,670)
18
33,840,397
411,944

6,776,030
85,058
(622,281)
(4,758)
41,962,400
394,426

6,976,030
69,140
(260,665)
82,738
56,633,462
659,035

125,000
27,980,906
943,230
35,368,894

950,000
31,414,908
1,063,545
39,888,736

1,898,500
38,491,607
1,177,867
48,196,449

1,600,000
53,110,048
1,264,379
63,500,705

2,932,264
2,430,437
2,591,905
2,822,723
20,961,592
719,088
371,979
20,589,613
1,727,298
2,274,654
3,647,145

3,197,884
3,455,665
1,020,725
5,945,370
23,532,837
1,858,799
553,203
22,979,634
1,703,588
1,585,870
4,071,552

3,429,994
1,116,928
3,826,084
12,937,179
24,457,951
2,130,721
568,908
23,889,043
1,597,770
1,399,451
4,632,785

4,196,103
5,660,301
3,206,945
21,334,833
27,076,428
2,494,271
761,761
26,314,667
1,535,272
1,252,584
5,682,122

1,805,943
1,841,202
115,136
1,726,066
365,353
1,739,369
1,724,467
352,050
226,737

2,129,570
1,941,982
181,224
1,760,758
366,335
2,109,362
2,095,563
17,731
8,074

2,395,995
2,236,790
10,075
2,226,715
457,136
2,367,722
2,337,312
316,129
190,486

2,807,792
2,874,330
192,853
2,681,477
695,344
2,875,816
2,846,195
501,005
345,698

677,603
0.00%
0.00%
(1,285,767)
17,830,878

677,603
0.00%
0.00%
4,676,276
5,704,888

677,603
0.00%
0.00%
4,983,772
10,461,483

677,603
0.00%
0.00%
13,506,038
9,106,647

50.48%
5.21%
3.75%
0.64%
1.03%
4.88%
49.52%
4.9
43.35%
4.72
0.33

47.70%
4.87%
0.13%
0.02%
0.92%
4.41%
52.30%
118.19
47.53%
5.72
0.01

48.28%
4.64%
3.05%
0.40%
0.95%
4.62%
51.72%
7.39
46.52%
5.11
0.28

50.59%
4.53%
5.10%
0.54%
1.10%
4.22%
49.41%

15.16%
7.98%
58.21%
79.11%

16.68%
14.90%
57.61%
78.76%

9.43%
26.84%
49.57%
79.86%

15.52%
33.60%
41.44%
83.64%

82.92%
74.91%
74.58%

84.84%
74.91%
72.71%

87.07%
63.54%
60.55%

89.19%
50.98%
49.49%

3.43%
1.77%
11.90%
30.95%
51.73%

7.90%
2.35%
30.73%
32.76%
29.76%

8.71%
2.33%
34.15%
1.77%
26.70%

9.21%
2.81%
36.76%
25.32%
30.54%

17.08%
2.95
8.91
4.63

15.16%
0.94
8.93
5.19

12.94%
1.68
9.21
6.17

10.68%

26.16

39.07

-5.67

2009

2010

579.18

2011

5.68
45.09%
4.09
0.51

1.34
10.01
7.83

2012

11,373,147

16,614,625

17,793,427

18,728,891

6,090,911
4,030,056
1,252,180
1,519,902
167,899,404
1,465,451

7,309,094
7,354,688
1,950,843
(96,855)
250,803,153
3,218,859

8,243,118
6,591,131
2,959,178
1,419,732
273,354,667
3,075,642

9,273,508
6,309,083
3,146,300
2,249,013
292,086,428
4,244,494

34,985,766
123,469,683
7,978,504
180,792,453

34,635,904
195,315,204
17,633,186
267,320,923

39,696,986
214,614,731
15,967,308
292,567,826

35,568,109
240,712,826
11,560,999
313,064,332

8,427,202
508,795
15,017,826
56,459,447
98,384,470
10,671,030
7,038,469
91,346,001
2,787,617
6,245,565
16,957,875

17,428,924
5,727,909

18,445,108
4,685,718

24,508,852
1,209,313

86,418,549
151,206,409
24,707,758
17,499,640
133,706,769
8,726,406
15,312,366
19,710,460

93,409,187
165,483,330
26,044,119
17,321,335
148,161,995
10,849,607
17,016,211
28,825,449

87,995,224
190,851,275
27,549,729
18,552,070
172,299,205
10,859,963
16,191,775
28,802,150

11,946,579
5,011,296
2,191,883
2,819,413
2,804,695
4,312,044
4,285,459
1,320,043
1,212,527

13,919,256
5,791,204
2,201,824
3,589,380
4,012,338
6,774,664
6,644,072
827,054
1,190,329

19,619,095
9,206,354
695,245
8,511,109
4,070,369
11,103,387
10,813,919
1,478,091
1,280,296

19,838,745
8,963,405
1,400,820
7,562,585
5,281,719
11,004,203
10,810,261
1,840,101
1,422,882

609,091
0.00%
0.00%

730,909
0.00%
20.00%

824,312
0.00%
12.50%

927,351
0.00%
12.50%

17,897,098
79,757,936

8,881,898
164,784,857

5,911,646
173,978,654

(4,766,930)
118,519,052

29.55%
2.77%
10.66%
0.67%
1.55%
1.56%
70.45%
3.25
21.82%
1.53
1.99

29.38%
2.17%
7.16%
0.45%
1.50%
1.34%
70.62%
8.03
28.56%
1.66
1.63

31.94%
3.15%
7.20%
0.44%
1.39%
2.91%
68.06%
7.32
33.75%
2.66
1.55

31.12%
2.86%
7.60%
0.45%
1.69%
2.42%
68.88%

4.94%
31.23%
50.53%
68.29%

8.66%
32.33%
50.02%
73.06%

7.91%
31.93%
50.64%
73.36%

8.21%
28.11%
55.04%
76.89%

92.87%
79.68%
62.09%

93.82%
77.42%
65.76%

93.43%
77.11%
65.07%

93.30%
79.29%
69.08%

10.85%
7.15%
93.83%
31.14%
65.96%

16.34%
11.57%
148.71%
12.58%
70.83%

15.74%
10.47%
146.37%
4.01%
66.51%

14.44%
9.72%
147.10%
7.55%
67.34%

6.29%
7.01
18.67
10.86

6.22%
9.92
22.73
11.76

6.08%
9.78
21.59
12.06

5.98%

4.62

-3.35

14.76

2009

2010

7.46

2011

5.87
32.29%
2.05
1.53

6.33
20.2
12.85

2012

75,133,715

86,842,059

100,147,132

119,025,317

9,108,000
27,527,380
38,498,335
9,236,083
779,554,995
10,041,542

10,018,800
29,355,555
47,467,704
9,408,712
828,448,632
9,775,093

11,020,680
32,145,755
56,980,697
9,439,856
1,029,967,217
13,894,502

12,122,748
39,379,354
67,523,215
14,012,443
1,477,270,812
18,943,207

52,542,978
682,750,079
34,220,396
863,924,793

40,459,860
747,374,799
30,838,880
924,699,403

39,473,670
933,631,525
42,967,520
1,139,554,205

196,580,548
1,214,963,700
46,783,357
1,610,308,572

79,839,836
40,366,687
5,352,873
216,467,532
490,010,583
49,438,255
35,348,084
454,662,499
16,766,668
50,468,698
76,076,347

81,640,246
37,413,185
30,339,344
254,909,116
502,445,637
53,607,643
42,695,625
459,750,012
16,155,290
44,492,210
81,325,028

103,399,623
47,349,505
41,581,029
418,604,147
503,453,704
56,549,062
46,086,048
457,367,656
19,167,654
52,084,591
98,580,423

157,229,517
47,980,032
24,828,255
797,094,548
545,788,112
56,236,494
45,970,206
499,817,906
23,632,324
59,725,990
116,772,653

33,405,813
42,670,534
9,089,659
33,580,875
11,159,612
23,358,851
22,745,955
21,381,636
13,400,749

34,330,255
46,994,773
7,585,664
39,409,109
12,762,431
25,131,510
24,252,960
27,040,030
17,034,380

42,182,220
56,398,203
6,925,497
49,472,706
14,782,861
29,934,169
29,433,961
34,321,398
22,333,022

59,012,392
57,760,261
6,767,037
50,993,224
15,960,106
32,062,123
31,061,370
34,891,207
22,355,740

910,800
60.00%
10.00%
107,753,133
358,083,924

1,001,880
65.00%
10.00%
42,055,186
253,403,791

1,102,068
70.00%
10.00%
206,730,148
572,908,009

1,212,275
75.00%
10.00%
404,298,555
584,090,071

2009

56.09%
4.94%
17.84%
1.55%
1.29%
3.89%
43.91%
1.06
26.78%
2.04
14.71

57.79%
5.08%
19.62%
1.84%
1.38%
4.26%
42.21%
0.9
26.71%
1.9
17

57.21%
4.95%
22.30%
1.96%
1.30%
4.34%
42.79%
0.86
26.41%
1.99
20.26

49.46%
3.59%
18.78%
1.39%
0.99%
3.17%
50.54%

13.91%
25.06%
52.63%
79.03%

12.87%
27.57%
49.72%
80.82%

13.23%
36.73%
40.14%
81.93%

12.74%
49.50%
31.04%
75.45%

90.23%
71.77%
66.64%

89.59%
67.23%
63.78%

90.38%
53.92%
51.74%

91.74%
44.92%
38.67%

10.09%
7.21%
65.80%
25.71%
71.50%

10.67%
8.50%
61.73%
17.77%
79.64%

11.23%
9.15%
56.47%
15.03%
81.50%

10.30%
8.42%
47.25%
14.72%
81.74%

8.70%
4.77
82.49
9.09

9.39%
2.92
86.68
8.61

8.79%
5.72
90.87
9.32

7.39%

8.04

2.47

9.26

18.08

2010

2011

0.89
24.16%
1.95
18.44

4.91
98.18
10.21

2012

18,900,286

20,956,902

24,246,101

26,067,383

7,527,525
7,587,835
3,784,926
(148,629)
218,406,844
3,111,467

8,731,929
8,151,443
4,073,530
(646,585)
231,820,564
2,572,954

10,478,315
8,807,718
4,960,068
335,268
263,619,288
3,733,794

10,478,315
9,488,277
6,100,791
2,186,254
272,486,173
4,092,268

68,186,674
142,185,495
4,923,208
237,158,501

62,529,729
160,314,211
6,403,670
252,130,881

66,641,226
185,281,216
7,963,052
288,200,657

41,569,169
217,670,832
9,153,904
300,739,810

11,192,498
4,836,399
150,000
111,679,520
106,922,608
6,364,665
4,629,476
102,293,132
2,465,977
4,540,975
21,376,259

13,923,393
3,123,094
3,190,399
100,849,146
127,350,007
7,463,452
7,522,371
119,827,636
3,387,452
7,829,761
23,281,800

14,233,690
3,551,591
2,361,754
147,459,163
119,679,648
15,427,848
10,022,934
109,656,714
3,230,658
7,707,087
27,263,385

16,918,780
5,151,149

14,636,228
6,740,031
2,569,646
4,141,160
3,713,321
3,656,972
3,550,647
4,226,734
2,746,563

16,407,604
6,874,196
3,041,548
3,832,648
4,429,981
4,335,039
4,199,115
4,027,590
2,809,369

19,536,154
7,727,231
2,754,602
4,972,629
5,199,463
5,527,286
4,949,323
4,644,806
3,289,199

18,821,766
8,333,117
2,693,747
5,639,370
5,457,669
6,059,044
5,775,358
5,037,995
3,393,029

752,753
10.00%
16.00%
58,187,921
116,806,754

873,193
0.00%
20.00%
(6,943,837)
200,438,547

1,047,831
15.00%
0.00%
44,258,963
200,438,547

1,047,831
20.00%
0.00%
17,498,743
127,978,834

31.53%
2.84%
14.53%

29.53%
2.73%
13.41%

28.34%
2.68%
13.57%

30.69%
2.77%
13.02%

0
160,733,315
119,299,723
17,729,487
12,388,996
106,910,727
3,000,827
8,025,012
27,154,883

1.16%
1.57%
1.75%
68.47%
0.84
14.58%
0.96
3.65

1.11%
1.76%
1.52%
70.47%
1.04
15.64%
0.95
3.22

1.14%
1.80%
1.73%
71.66%
1.07
17.03%
0.95
3.14

1.13%
1.81%
1.88%
69.31%

6.76%
47.09%
43.13%
59.95%

6.76%
40.00%
47.53%
63.58%

6.17%
51.17%
38.05%
64.29%

7.34%
53.45%
35.55%
72.38%

92.09%
75.20%
50.83%

91.94%
79.44%
57.15%

91.47%
64.59%
47.51%

90.61%
54.81%
46.02%

5.95%
4.33%
33.67%
55.51%
72.74%

5.86%
5.91%
35.61%
40.43%
100.79%

12.89%
8.37%
63.63%
27.48%
64.97%

14.86%
10.38%
68.01%
21.74%
69.88%

7.97%
6.18
25.11
7.52

8.31%
9.56
24
7.65

8.41%
8.27
23.14
7.64

8.67%

21.19

2009

-2.47

2010

2011

1.15
18.58%
1.06
3.24

4.91
24.88
8.35

13.46

5.16

2012

5,622,453

7,237,084

8,809,116

10,651,892

6,127,605
18,040
(523,192)
32,106
27,240,361
320,492

8,149,715
18,040
(930,671)
(1,398,798)
33,545,361
369,620

10,002,930
89,978
(1,283,792)
(28,080)
45,721,589
1,246,994

10,724,643
231,613
(304,364)
283,046
73,083,839
713,747

5,039,635
21,313,791
566,443
32,894,920

5,524,410
26,276,328
1,375,003
39,383,647

3,171,800
40,174,351
1,128,444
54,502,625

8,704,685
61,934,787
1,730,620
84,018,777

1,764,403
1,820,857
3,482,564
9,535,555
12,167,220
857,059
477,567
11,689,653
3,039,329
1,562,559
2,527,295

2,298,806
917,802
3,643,360
13,701,699
14,505,537
1,902,566
527,424
13,978,113
2,882,941
1,960,926
3,299,767

3,880,782
165,067
3,803,022
22,906,646
18,543,633
2,776,895
513,749
18,029,884
3,064,883
2,652,341
4,319,252

5,027,942
1,193,864
3,740,958
47,884,719
20,880,638
3,037,264
971,253
19,909,385
3,412,167
2,849,742
6,168,310

1,806,709
720,586
772,688
(52,102)
339,470
1,736,161
1,734,815
(1,448,793)
(594,936)

2,255,014
1,044,753
136,484
908,269
332,974
1,863,793
1,846,840
(622,550)
(407,479)

2,583,678
1,735,574
151,199
1,886,773
769,937
2,119,374
2,111,534
537,336
361,645

3,731,733
2,436,577
(529,928)
2,966,505
2,148,184
2,864,677
2,892,734
1,190,156
819,833

612,761
0.00%
0.00%
6,268,544
10,400,433

814,972
0.00%
0.00%
1,760,620
7,898,774

1,000,293
0.00%
0.00%
3,527,847
7,820,884

1,072,464
0.00%
0.00%
29,237,117
10,993,558

28.51%
2.19%
-10.58%
-1.81%
1.03%

31.66%
2.65%
-5.63%
-1.03%
0.85%

40.18%
3.18%
4.11%
0.66%
1.41%

39.50%
2.90%
7.70%
0.98%
2.56%

2009

-0.16%
71.49%
-1.2
60.56%
5.11
-0.97

2.31%
68.34%
-2.97
51.31%
5.55
-0.5

3.46%
59.82%
3.93
41.64%
2.74
0.36

3.53%
60.50%

10.90%
28.99%
35.54%
64.79%

8.17%
34.79%
35.49%
66.72%

7.42%
42.03%
33.08%
73.71%

7.41%
56.99%
23.70%
73.72%

82.81%
57.09%
46.17%

85.18%
55.20%
45.61%

83.89%
46.16%
42.78%

86.99%
33.71%
29.56%

7.04%
3.93%
15.24%
161.80%
55.72%

13.12%
3.64%
26.29%
25.88%
27.72%

14.97%
2.77%
31.52%
29.43%
18.50%

14.55%
4.65%
28.51%
-54.56%
31.98%

17.09%
1.85
9.18
3.79

18.38%
1.09
8.88
3.63

16.16%
0.89
8.81
4.56

12.68%

-10.54

-4.32

9.76

35.66

2010

2011

2.43
34.45%
1.35
0.76

1.03
9.93
5.81

2012

4,363,093

1,940,292

9,413,468

8,635,706

9,508,617
151,287
(5,296,811)
1,053,728
55,582,766
386,066

9,508,617
162,727
(7,731,052)
1,037,423
55,863,821
541,041

19,508,617
30,839
(10,125,988)
(5,886,596)
69,663,886
891,579

19,508,617
53,116
(10,926,027)
(5,608,088)
87,250,008
877,827

8,696,140
43,807,061
2,693,499
60,999,587

6,636,645
46,694,675
1,991,460
58,841,536

4,607,205
61,993,604
2,171,498
73,190,758

21,245,349
62,600,058
2,526,774
90,277,626

2,851,783
235,121
2,804,596
13,580,973
34,054,696
7,355,353
4,138,250
29,916,446
4,027,676
7,582,992
5,120,943

3,272,624
360,306
40,000
12,859,540
35,520,314
9,617,879
5,310,930
30,209,384
4,541,778
7,557,904
5,158,566

4,822,751
10,930,425
622,683
15,588,703
35,245,477
12,138,602
5,858,803
29,386,674
4,366,514
7,473,008
4,711,888

4,766,966
2,039,237
352,947
39,968,886
38,380,915
13,868,789
7,291,235
31,089,680
3,703,959
8,355,951
6,594,769

5,569,707
(448,764)
1,971,290
(2,420,054)
1,111,457
3,058,379
2,796,425
(5,864,077)
(4,318,749)

5,169,142
(10,576)
1,307,259
(1,317,835)
971,501
3,016,905
2,989,039
(3,487,184)
(2,727,345)

5,196,408
484,520
284,941
769,461
955,050
3,257,947
2,805,265
(3,146,226)
(2,524,305)

4,252,011
2,342,758
1,781,849
560,909
1,454,480
3,877,476
3,142,427
(1,596,866)
(806,044)

950,862
0.00%
26.00%
9,162,534
18,276,636

950,862
0.00%
0.00%
(199,789)
21,047,073

1,950,862
0.00%
0.00%
11,029,923
39,795,348

1,950,862
0.00%
0.00%
15,231,484
53,022,230

-8.76%
-0.74%
-98.98%
-7.08%
1.82%
-3.97%
108.76%
-0.48

-0.21%
-0.02%
-140.56%
-4.64%
1.65%
-2.24%
100.21%
-0.86

10.28%
-0.66%
-26.82%
-3.45%
1.30%
1.05%
110.28%
-0.89

35.52%
2.60%
-9.33%
-0.89%
1.61%
0.62%
64.48%
-1.97

2009

49.07%
2.52
-4.54

49.21%
3.08
-2.87

57.49%
2.94
-1.29

48.17%

5.06%
22.26%
49.04%
71.82%

6.17%
21.85%
51.34%
79.36%

21.52%
21.30%
40.15%
84.70%

7.54%
44.27%
34.44%
69.34%

91.12%
77.74%
64.86%

94.94%
76.07%
66.60%

95.18%
56.85%
52.92%

96.65%
61.31%
45.78%

21.60%
12.15%
168.58%
47.64%
56.26%

27.08%
14.95%
495.69%
24.61%
55.22%

34.44%
16.62%
128.95%
4.86%
48.27%

36.13%
19.00%
160.60%
24.44%
52.57%

7.15%
4.19
4.59
10.04

3.30%
10.85
2.04
24.07

12.86%
4.23
4.83
6.59

9.57%

-2.12

0.07

-4.37

-18.9

2010

2011

2.16
-0.41

6.14
4.43
7.25

2012

63,120,371

71,225,105

81,034,402

90,630,601

6,911,045
38,387,656
17,821,670
9,192,909
439,428,598
8,201,090

7,602,150
40,164,526
23,458,429
10,774,022
488,482,736
10,265,537

8,362,365
42,412,588
30,259,449
10,619,903
564,670,502
9,466,818

9,198,601
44,620,928
36,811,072
15,124,526
664,527,414
9,896,284

44,662,088
367,581,075
18,984,345
511,741,878

25,684,593
431,295,499
21,237,107
570,481,863

39,100,627
491,146,798
24,956,259
656,324,807

79,064,351
544,988,091
30,578,688
770,282,541

38,774,871
6,077,354
3,000,000
169,484,647
269,721,034
23,238,723
16,472,769
253,248,265
18,099,010
23,057,731
51,621,911

45,407,264
1,551,518
4,401,781
215,747,844
274,157,806
24,543,807
19,592,335
254,565,471
21,061,787
27,746,198
54,829,365

53,122,620
2,357,418
955,087
319,005,983
249,907,060
26,664,873
22,333,442
227,573,618
22,418,450
30,891,631
68,215,902

57,420,211
1,236,736
1,551,472
405,601,313
262,597,534
25,561,774
22,809,023
239,788,511
24,144,242
40,540,056
68,443,744

15,835,581
44,299,590
7,322,321
36,977,269
5,754,853
11,069,912
10,235,366
23,349,146
15,665,403

18,027,372
36,801,993
3,597,117
33,204,876
6,441,642
13,406,395
12,327,496
26,509,636
16,874,019

23,632,615
44,583,287
3,653,614
40,929,673
8,241,260
17,777,644
15,860,242
31,321,782
19,302,483

27,503,496
40,940,248
478,065
40,462,183
9,541,155
17,823,496
17,410,747
32,476,487
21,235,235

691,105
110.00%
10.00%
78,214,049
376,583,024

760,215
115.00%
10.00%
58,654,480
136,245,597

836,237
120.00%
10.00%
124,596,626
162,379,259

919,860
130.00%
10.00%
96,668,070
143,379,581

85.82%
6.99%
24.82%
3.06%
1.12%
7.23%
30.68%
0.44
19.29%
1.78
22.67

67.12%
6.45%
23.69%
2.96%
1.13%
5.82%
32.88%
0.47
21.88%
1.91
22.2

65.36%
6.79%
23.82%
2.94%
1.26%
6.24%
34.64%
0.51
23.25%
1.92
23.08

59.82%
5.31%
23.43%
2.76%
1.24%
5.25%
40.18%
0.54
22.86%
1.82
23.09

8.76%
33.12%
49.49%
71.83%

8.23%
37.82%
44.62%
75.60%

8.45%
48.60%
34.67%
74.83%

7.61%
52.66%
31.13%
70.75%

85.87%
73.38%
65.43%

85.63%
63.57%
59.99%

86.04%
50.88%
47.13%

86.27%
48.18%
42.08%

8.62%
6.11%
36.82%
44.45%
70.89%

8.95%
7.15%
34.46%
18.36%
79.83%

10.67%
8.94%
32.91%
16.36%
83.76%

9.73%
8.69%
28.20%
2.10%
89.23%

12.33%
5.97
91.33
5.82

12.49%
1.91
93.69
6.06

12.35%
2
96.9
6.06

11.77%

4.99

2009

3.48

2010

2011

1.58
98.53
6.01

6.45

4.55

2012

9,814,412

10,740,123

13,328,673

15,481,738

6,650,048
1,074,408
2,089,956
396,911
115,290,455
1,249,210

6,982,550
1,380,010
2,377,563
339,868
143,672,434
1,767,370

8,029,933
2,058,319
3,240,421
457,678
186,764,043
2,282,045

9,033,675
2,759,942
3,688,121
1,069,020
257,885,752
3,058,503

8,593,425
100,331,448
5,116,372
125,501,778

5,829,296
131,070,328
5,005,440
154,752,425

9,235,960
170,030,431
5,215,607
200,550,394

18,461,347
230,425,986
5,939,916
274,436,510

8,387,522
5,262,341
34,486,875
24,370,190
44,238,200
3,649,163
2,528,544
41,709,656
2,437,228
8,847,966
10,105,518

12,780,806
9,939,660
10,511,855
54,966,907
64,116,390
4,318,323
3,851,146
60,265,244
3,066,100
3,221,853
12,284,569

16,641,160
2,348,076
4,065,406
98,488,574
75,698,616
4,647,792
5,321,135
70,377,481
3,985,248
4,644,449
18,032,152

19,125,401
3,851,150
500,000
152,459,855
94,402,267
5,000,028
5,724,191
88,678,076
4,898,240
4,923,788
21,836,972

4,969,843
5,135,675
1,532,051
3,603,624
1,707,492
3,626,697
3,681,088
2,527,405
1,676,242

6,606,370
5,678,199
1,496,019
4,182,180
2,687,274
4,723,597
4,637,393
2,443,282
1,899,782

8,665,622
9,366,530
1,389,155
7,977,375
2,263,349
6,331,458
5,958,595
4,356,300
3,391,543

11,384,534
10,452,438
451,191
10,001,247
2,398,590
7,169,611
7,192,527
5,230,226
3,508,116

665,005
0.00%
5.00%
14,017,274
73,034,851

698,255
0.00%
15.00%
35,528,395
108,236,057

802,993
10.00%
12.50%
40,906,365
114,137,104

903,367
15.00%
11.00%
59,402,194
140,171,979

50.82%
4.09%
17.08%
1.34%
1.36%
2.87%
49.18%
1.46
30.70%
2.16
2.52

46.22%
3.67%
17.69%
1.23%
1.74%
2.70%
53.78%
1.9
31.55%
1.73
2.72

51.94%
4.67%
25.45%
1.69%
1.13%
3.98%
48.06%
1.37
31.20%
2.63
4.22

47.87%
3.81%
22.66%
1.28%
0.87%
3.64%
52.13%

10.88%
19.42%

14.68%
35.52%

9.47%
49.11%

8.37%
55.55%

1.38
29.58%
3
3.88

33.23%
79.94%

38.94%
84.70%

35.09%
84.78%

32.31%
83.96%

91.86%
44.09%
40.61%

92.84%
48.92%
46.83%

93.13%
44.52%
42.23%

93.97%
40.97%
37.93%

8.25%
5.72%
37.18%
60.59%
69.29%

6.74%
6.01%
40.21%
38.85%
89.18%

6.14%
7.03%
34.87%
26.11%
114.49%

5.30%
6.06%
32.30%
7.88%
114.48%

7.82%
7.44
14.76
10.22

6.94%
10.08
15.38
12.2

6.65%
8.56
16.6
12.76

5.64%

12.06

16.93

8.36

2009

18.7

2010

2011

9.05
17.14
14.88

2012

41,643,272

7,892,204

59,912,879

60,170,163

40,437,271
8,464,894
(7,258,893)
(115,027)
166,590,718
1,574,207

40,437,271
8,464,894
(41,009,961)
5,992,736
150,672,126
1,335,493

103,028,512
218,276
(43,333,909)
(46,249,209)
141,161,341
1,738,422

103,028,512
225,889
(43,084,238)
(45,783,056)
176,468,070
2,430,030

62,523,365
93,919,805
8,573,341
208,118,963

42,361,934
99,111,741
7,862,958
164,557,066

47,382,031
85,472,247
6,568,641
154,825,011

76,179,065
81,094,447
16,764,528
190,855,177

8,834,275
3,683,783
5,681,887
62,432,977
100,000,757
15,746,457
15,979,351
84,021,406
3,114,632
40,350,003
18,272,363

8,836,474
2,952,593
6,429,166
50,209,083
98,362,123
34,711,468
23,778,539
74,583,584
2,751,703
18,794,463
16,482,767

7,969,044
1,486,560
14,666,918
47,786,041
84,489,211
34,194,582
23,627,698
60,861,513
2,722,863
19,332,072
14,250,121

7,672,866
956,809
3,440,910
83,802,727
94,879,760
32,921,495
23,293,864
71,585,896
275,051
23,120,918
13,989,306

12,872,357
5,400,006
1,195,329
4,204,677
1,681,833
5,242,439
5,345,307
644,071
691,048

13,467,526
3,015,241
10,041,017
(7,025,776)
1,933,774
7,336,960
7,055,824
(12,089,002)
(9,706,760)

12,155,613
2,094,508
2,549,789
455,281
1,976,884
5,064,890
4,823,582
(3,492,009)
(2,067,422)

11,125,821
2,863,485
116,981
2,746,504
2,395,490
5,397,479
5,331,398
440,488
262,080

4,043,727
0.00%
0.00%
28,507,068
123,505,187

4,043,727
0.00%
0.00%
(16,940,772)
152,511,924

10,302,851
0.00%
0.00%
(6,809,298)
142,890,225

10,302,851
0.00%
0.00%
33,535,245
77,754,924

29.55%
2.59%
1.66%
0.33%
0.81%
2.02%
70.45%
8.3
26.27%
3.18
0.17

18.29%
1.83%
-122.99%
-5.90%
1.18%
-4.27%
81.71%
-0.58
39.84%
3.65
-2.4

14.70%
1.35%
-3.45%
-1.34%
1.28%
0.29%
85.30%
-1.38
31.21%
2.44
-0.2

20.47%
1.50%
0.44%
0.14%
1.26%
1.44%
79.53%
12.1
32.94%

6.01%
30.00%
40.37%
45.13%

7.16%
30.51%
45.32%
60.23%

6.11%
30.86%
39.31%
55.21%

4.52%
43.91%
37.51%
42.49%

80.05%

91.56%

91.17%

92.46%

2.23
0.03

2009

106.47%
63.92%

99.24%
69.53%

98.85%
63.60%

117.00%
60.33%

15.75%
15.98%
37.81%
7.48%
101.48%

35.29%
24.17%
439.82%
42.23%
68.50%

40.47%
27.97%
57.07%
10.79%
69.10%

34.70%
24.55%
54.71%
0.50%
70.76%

20.01%
2.97
10.3
2.26

4.80%
19.32
1.95
12.56

38.70%
2.38
5.82
1.43

31.53%

41.25

1.75

3.29

127.96

2010

2011

1.29
5.84
1.35

2012

4,883,277

7,936,255

8,172,770

8,473,656

8,769,517
43,080
(3,929,320)
2,192,383
16,658,466
78,127

14,334,734
43,080
(6,441,559)
(10,577)
22,585,442
115,759

14,334,734
90,383
(6,252,347)
9,497
23,148,705
529,005

14,334,734
150,561
(6,011,639)
42,227
26,337,954
250,709

3,141,284
12,520,633
918,422
23,734,126

6,534,994
14,871,806
1,062,883
30,511,120

3,996,032
17,669,297
954,371
31,330,972

2,477,466
22,753,644
856,135
34,853,837

961,280
707,912
3,123,377
5,807,829
12,343,360
2,726,295
2,619,949
9,723,411
1,112,169
2,298,148
1,878,626

1,250,011
1,195,948
1,389,003
11,090,905
14,747,321
2,711,299
2,609,535
12,137,786
1,001,413
2,446,054
2,384,653

1,463,306
59,384
803,459
9,663,613
18,374,905
2,619,410
2,543,578
15,831,327
903,608
2,606,275
3,352,186

2,052,832
2,289,653
2,777,162
8,894,957
17,842,935
2,451,481
2,398,159
15,444,776
832,375
2,562,082
3,054,034

1,208,857
669,769
239,511
430,258
92,224
1,590,906
1,415,235
(1,068,424)
(593,053)

1,350,320
1,034,333
17,599
1,016,734
321,243
1,468,273
1,456,873
(130,296)
(119,594)

1,943,845
1,408,341
46,204
1,454,545
152,397
1,406,048
1,393,321
200,894
236,515

1,721,825
1,332,209
(90,600)
1,422,809
154,505
1,413,280
1,458,244
164,034
300,886

876,952
0.00%
0.00%
6,840,004
14,557,877

1,433,473
0.00%
0.00%
5,087,251
17,205,195

1,433,473
0.00%
0.00%
(2,388,547)
29,978,957

1,433,473
0.00%
0.00%
2,027,886
11,344,410

35.65%
2.82%
-12.14%
-2.50%
0.39%
1.81%
64.35%
-1.32
80.72%
15.35
-0.68

43.37%
3.39%
-1.51%
-0.39%
1.05%
3.33%
56.63%
-11.18
54.26%
4.54
-0.08

42.01%
4.50%
2.89%
0.75%
0.49%
4.64%
57.99%
6.94
40.12%
9.14
0.16

43.62%
3.82%
3.55%
0.86%
0.44%
4.08%
56.38%

7.03%
24.47%
40.97%
52.75%

8.02%
36.35%
39.78%
48.74%

4.86%
30.84%
50.53%
56.40%

12.46%
25.52%
44.31%
65.28%

70.19%
98.58%
78.81%

74.02%
99.16%
68.89%

73.88%
103.99%
84.81%

75.57%
78.42%
70.72%

8.89
44.05%
9.44
0.21

2009

22.09%
21.23%
55.83%
9.14%
96.10%

18.39%
17.69%
34.16%
0.67%
96.25%

14.26%
13.84%
32.05%
1.82%
97.10%

13.74%
13.44%
28.93%
-3.78%
97.82%

20.57%
2.98
5.57
2.56

26.01%
2.17
5.54
1.87

26.09%
3.67
5.7
2.16

24.31%

-11.53

-42.54

-10.1

2010

2011

1.34
5.91
2.69
6.74

2012

196,905

13,431,374

18,800,542

9,003,150
224,649
(9,030,894)
1,566,184
66,901,252
637,602

26,716,048

26,716,048
0 139,013
(8,054,519)
(13,162,035)
85,031,770
1,679,456

15,088,332
49,610,034
1,565,284
68,664,341

9,871,141
55,706,188
1,420,886
72,669,093

17,781,686
64,071,908
1,498,720
90,670,277

11,376,781
69,050,447
1,302,008
89,061,570

3,120,880
151,068
1,067,708
20,179,329
40,592,094
11,891,428
8,494,604
32,097,490
3,720,695
8,327,171
5,913,317

3,414,524
89,355
1,050,754
13,190,048
52,924,512
12,360,000
8,570,106
44,354,406
2,443,805
8,126,201
6,775,565

4,436,142
94,322
3,100,803
17,547,640
55,309,362
11,022,942
5,373,083
49,936,279
4,755,911
10,799,180
8,385,608

4,006,569
86,002
5,662,423
12,734,898
54,018,762
10,816,957
5,018,268
49,000,494
4,637,334
12,933,850
8,583,566

5,855,517
57,800
2,309,355
(2,251,555)
662,187
2,663,091
2,747,856
(4,252,459)
(2,902,905)

5,926,528
849,037
228,114
620,923
1,184,804
3,041,273
3,153,601
(1,235,546)
(1,131,154)

6,514,770
1,870,838
2,629,853
4,500,691
846,586
3,988,359
3,779,045
1,358,918
695,063

6,681,338
1,902,228
(580,489)
2,482,717
1,064,666
4,076,652
4,213,559
(529,269)
(344,271)

900,315
0.00%
0.00%
6,510,410
13,454,187

2,671,605
0.00%
0.00%
(10,346,069)
18,460,536

2,671,605
0.00%
0.00%
8,225,230
24,940,371

2,671,605
0.00%
0.00%
(6,429,336)
23,457,281

0.98%
0.08%
-1,474.27%
-4.23%
0.96%
-3.28%
99.02%
-0.65
40.50%
4.15
-3.22

12.53%
1.17%
-8.42%
-1.56%
1.63%
0.85%
87.47%
-2.55
38.21%
2.66
-0.42

22.31%
2.06%
3.70%
0.77%
0.93%
4.96%
77.69%
2.78
43.20%
4.46
0.26

22.16%
2.14%
-1.86%
-0.39%
1.20%
2.79%
77.84%
-7.96
42.25%

4.77%
29.39%
46.75%
72.25%

4.82%
18.15%
61.04%
76.66%

5.00%
19.35%
55.07%
70.66%

4.60%
14.30%
55.02%
77.53%

97.43%
81.82%
62.74%

93.35%
95.01%
80.71%

93.78%
86.32%
67.57%

93.99%
78.23%
67.16%

29.29%
20.93%
6,039.17%

23.35%
16.19%
92.02%

19.93%
9.71%
58.63%

20.02%
9.29%
58.54%

(13,284,674)
(8,597,427)
67,835,146
836,931

18,478,435
26,716,048
162,762
(8,400,375)
(13,124,650)
83,707,785
1,978,549

3.96
-0.13

27.19%
71.43%

2.66%
69.34%

48.94%
48.74%

-11.57%
46.39%

0.29%
68.33
0.22
251.95

18.48%
1.37
5.03
4.15

20.74%
1.33
7.04
3.41

20.75%

11.83

18.68

-2.24

2009

9.15

2010

2011

1.27
6.92
3.74

2012

7,181,577

8,381,360

10,236,801

11,399,026

5,019,351
2,003,948
158,278
621,624
87,507,071
1,763,401

6,023,221
2,029,036
329,103
536,313
99,188,005
1,857,810

9,029,185
1,182,501
25,115
740,486
118,755,099
1,571,314

10,022,396
410,129
966,501
953,874
146,265,336
2,522,405

9,385,522
73,548,226
2,809,922
95,310,272

12,370,528
82,016,811
2,942,856
108,105,678

14,557,179
99,733,970
2,892,636
129,732,386

20,398,487
120,830,571
2,513,873
158,618,236

6,471,173
1,497,193
2,755,377
29,537,179
51,939,441
3,190,077
3,212,338
48,727,103
3,333,891
2,988,356
9,337,284

7,247,711
1,400,451
2,531,900
34,985,663
59,293,364
7,096,036
4,617,643
54,675,721
3,468,923
3,795,309
10,250,494

8,959,130
879,000
813,190
45,775,969
71,071,622
8,941,653
5,731,675
65,339,947
3,833,916
4,131,234
12,895,306

11,491,348
1,249,168
1,123,067
59,517,180
83,254,363
9,927,397
6,249,357
77,005,006
4,015,233
4,217,234
14,068,169

6,602,779
2,734,505
1,633,343
1,101,162
1,168,193
2,078,942
2,113,660
190,413
145,355

7,203,842
3,046,652
1,452,236
1,594,416
1,228,431
2,682,400
2,623,991
140,447
125,440

8,997,385
3,897,921
1,272,178
2,625,743
1,955,203
3,502,675
3,447,925
1,078,271
783,533

9,224,135
4,844,034
519,632
4,324,402
1,856,932
4,459,278
4,248,241
1,722,056
1,104,193

501,935
0.00%
0.00%
13,892,687
39,824,682

602,322
0.00%
0.00%
5,497,142
55,540,656

902,919
0.00%
12.50%
11,482,024
32,814,252

1,002,240
0.00%
11.00%
17,381,324
61,324,567

29.29%
2.87%
2.02%
0.15%
1.23%
1.16%
70.71%
11.1
19.79%
1.81
0.29

29.72%
2.82%
1.50%
0.12%
1.14%
1.47%
70.28%
18.68
23.37%
2.14
0.21

30.23%
3.00%
7.65%
0.60%
1.51%
2.02%
69.77%
3.2
23.59%
1.76
0.87

34.43%
3.05%
9.69%
0.70%
1.17%
2.73%
65.57%

8.36%
30.99%
51.12%
77.17%

8.00%
32.36%
50.58%
75.87%

7.58%
35.28%
50.37%
76.88%

8.03%
37.52%
48.55%
76.18%

91.81%
70.62%
62.63%

91.75%
72.29%
62.82%

91.54%
71.26%
62.18%

92.21%
68.90%
58.95%

6.14%
6.18%
44.42%
50.85%
100.70%

11.97%
7.79%
84.66%
31.45%
65.07%

12.58%
8.06%
87.35%
22.20%
64.10%

11.92%
7.51%
87.09%
8.31%
62.95%

2.47
28.00%
2.29
1.1

7.53%
5.55
14.31
10.24
95.58

2009

2010

7.75%
6.63
13.92
9.79
43.82

2011

7.89%
3.21
11.34
9.74

7.19%

14.65

15.74

5.38
11.37
10.6

2012

44,817,406

48,339,869

51,535,761

50,631,418

38,715,850
2,052,347
4,049,209
3,852,905
268,909,813
4,844,638

38,715,850
2,785,229
6,838,790
3,760,200
275,197,331
5,691,864

38,715,850
3,879,491
8,940,420
4,122,977
308,529,074
4,576,789

38,715,850
5,068,628
6,846,940
4,792,650
343,631,382
6,164,867

15,847,326
206,915,825
41,302,024
317,580,124

15,914,343
220,187,888
33,403,236
327,297,400

19,361,864
235,874,584
48,715,837
364,187,812

23,399,389
266,598,571
47,468,555
399,055,450

21,521,592
2,305,891
20,568,064
83,263,661
146,243,792
21,388,480
16,783,638
129,460,154
7,003,915
53,456,847
27,242,261

24,087,885
921,931
30,421,885
72,294,275
163,713,272
22,581,390
18,991,715
144,721,557
6,606,225
48,243,642
28,569,842

26,293,151
3,204,253
20,205,971
104,040,114
159,653,491
26,102,557
22,344,611
137,308,880
6,437,023
66,698,420
32,825,124

31,487,972
2,700,218
19,845,269
131,741,003
169,489,759
27,473,845
24,571,487
144,918,272
6,381,584
61,981,132
32,214,232

10,725,651
16,516,610
9,447,907
7,068,703
6,924,143
12,477,127
12,148,873
1,515,719
872,411

11,016,266
17,553,576
4,359,235
13,194,341
12,997,894
13,439,371
12,997,894
5,757,685
3,740,855

11,907,713
20,917,411
4,507,477
16,409,934
6,192,553
14,016,159
13,408,462
8,586,328
5,553,141

12,337,997
19,876,235
3,578,599
16,297,636
7,311,963
14,287,244
14,045,547
9,322,355
6,045,864

3,871,585
0.00%
0.00%
46,769,642
150,649,399

3,871,585
6.00%
0.00%
(9,718,375)
164,327,870

3,871,585
10.00%
0.00%
40,845,050
182,579,724

3,871,585
20.00%
0.00%
39,321,043
155,958,393

60.63%
5.20%
1.95%
0.27%
2.18%
2.23%
39.37%
8.02
36.52%
1.75
0.23

61.44%
5.36%
7.74%
1.14%
3.97%
4.03%
38.56%
2.26
32.33%
1
0.97

63.72%
5.74%
10.78%
1.52%
1.70%
4.51%
36.28%
1.56
35.92%
2.17
1.43

61.70%
4.98%
11.94%
1.52%
1.83%
4.08%
38.30%

7.50%
26.22%
40.76%
65.15%

7.64%
22.09%
44.22%
67.27%

8.10%
28.57%
37.70%
64.77%

8.57%
33.01%
36.32%
66.81%

84.67%
70.68%
65.65%

84.08%
74.35%
69.34%

84.72%
67.69%
62.55%

86.11%
63.57%
58.45%

14.63%
11.48%
47.72%
56.29%
78.47%

13.79%
11.60%
46.71%
22.95%
84.10%

16.35%
14.00%
50.65%
20.17%
85.60%

16.21%
14.50%
54.26%
14.56%
89.44%

14.11%
3.36
11.58

14.77%
3.4
12.49

14.15%
3.54
13.31

12.69%

1.51
36.15%
1.92
1.56

3.08
13.08

2009

4.62

4.55

4.58

5.27

53.61

-2.6

7.36

6.5

2010

2011

2012

4,065,941

3,494,032

5,502,434

2,840,291

5,000,000
1,064,828
(1,998,887)
(11,541)
34,118,975
213,209

7,250,660
(1,335,050)
(2,421,578)
(220,764)
68,883,636
357,293

10,779,796
(1,811,675)
(3,465,687)
198,120
113,566,961
900,750

10,779,796
(1,811,675)
(6,127,830)
165,764
131,283,011
1,654,302

1,554,801
31,307,488
1,043,477
38,173,375

5,257,243
61,537,424
1,731,676
72,156,904

18,562,616
89,665,301
4,438,294
119,267,515

28,900,432
96,815,372
3,912,905
134,289,066

1,923,526
724,802
1,433,817
12,446,033
21,072,058
2,568,243
2,568,243
18,503,815
1,570,754
1,570,628
3,514,363

4,047,590
375,207
20,204,357
44,477,357
11,394,074
5,723,944
38,753,413
2,781,943
5,994,394
7,068,952

6,117,998
1,433,614
0 1,069,757
36,098,644
68,381,073
22,417,723
12,381,409
55,999,664
6,175,011
12,372,827
9,550,022

8,110,198
3,601,183
2,038,500
49,777,088
64,942,457
23,409,947
12,393,303
52,549,154
5,450,400
12,762,543
10,262,500

2,877,797
636,566
2,040,787
(1,404,221)
1,208,532
1,077,054
1,064,723
(2,285,586)
(2,066,790)

6,100,832
968,120
2,230,522
1,262,402
623,446
3,250,790
2,790,634
(3,889,746)
(3,032,144)

9,016,895
533,127
512,139
20,988
764,744
3,936,508
3,889,496
(3,149,628)
(1,182,769)

10,133,076
129,424
22,942
106,482
1,425,650
4,032,501
4,006,090
(2,499,096)
(2,717,281)

500,000
0.00%
0.00%
8,975,769
35,826,776

725,066
0.00%
0.00%
4,361,206
45,997,746

1,077,980
0.00%
0.00%
8,300,938
45,997,746

1,077,980
0.00%
0.00%
17,593,639
54,414,503

18.11%
1.67%
-50.83%
-5.41%
3.17%
-3.68%
81.89%
-0.47
22.80%
0.88
-4.13

13.70%
1.34%
-86.78%
-4.20%
0.86%
1.75%
86.30%
-0.72
42.26%
4.48
-4.18

5.58%
0.45%
-21.50%
-0.99%
0.64%
0.02%
94.42%
-1.23
38.16%
5.09
-1.1

1.26%
0.10%
-95.67%
-2.02%
1.06%
0.08%
98.74%
-1.6
34.50%

6.94%
32.60%
48.47%
82.01%

6.13%
28.00%
53.71%
85.28%

6.33%
30.27%
46.95%
75.18%

8.72%
37.07%
39.13%
72.09%

89.38%
67.31%
64.12%

95.46%
72.28%
66.59%

95.22%
76.26%
63.18%

97.76%
67.08%
51.66%

12.19%
12.19%
63.16%
79.46%
100.00%

25.62%
12.87%
326.10%
38.97%
50.24%

32.78%
18.11%
407.41%
4.14%
55.23%

36.05%
19.08%
824.21%
0.19%
52.94%

10.65%
8.81
8.13
7.7

4.84%
13.16
4.82
17.61

4.61%
8.36
5.1
16.3

2.12%
19.16

2.81
-2.52

2.63
34.09

-4.34

2009

2009

2010

-1.44

2011

-7.02

-6.47

2012

55,914,736

63,919,969

73,945,411

82,772,301

11,128,907
21,167,954
23,617,875
11,403,627
573,103,548
5,166,361

12,241,798
24,101,838
27,576,333
11,214,211
651,288,371
5,074,700

12,241,798
27,495,959
34,207,654
11,975,235
721,284,142
5,879,043

12,241,798
32,298,690
38,231,813
18,082,083
859,356,031
7,600,633

37,168,277
503,831,672
26,937,238
640,421,911

47,631,814
567,611,258
30,970,599
726,422,551

50,845,877
633,889,416
30,669,806
807,204,788

67,215,209
755,264,264
29,275,925
960,210,415

61,562,141
14,049,990
23,162,130
137,734,578
390,493,953
40,065,237
28,414,357
362,079,596
23,734,082
18,099,394
61,745,462

67,667,226
26,430,928
11,934,778
231,717,214
376,480,024
51,144,170
34,969,612
341,510,412
24,684,566
22,477,427
60,046,011

86,502,444
19,225,488
9,536,211
301,106,877
382,115,775
39,967,562
40,976,256
341,139,519
25,722,481
23,971,768
71,374,143

94,766,489
22,843,080
21,953,458
381,245,903
430,694,442
53,567,224
44,860,181
385,834,261
27,460,839
26,106,385
75,379,861

28,323,272
33,422,190
12,879,215
20,542,975
12,070,500
18,911,237
17,803,338
14,392,181
9,487,952

25,207,785
34,838,226
8,150,258
26,687,968
10,584,485
19,861,194
19,137,857
17,688,623
11,020,925

31,305,056
40,071,787
7,274,864
32,796,923
13,129,783
22,067,945
21,253,504
23,633,636
14,887,113

35,736,985
39,642,876
4,246,967
35,395,909
17,194,831
26,577,953
25,448,913
28,410,446
19,279,784

1,112,891
25.00%
10.00%
27,084,242
450,962,490

1,224,180
50.00%
0.00%
105,607,607
269,878,986

1,224,180
75.00%
0.00%
100,937,130
261,653,953

1,224,180
85.00%
0.00%
94,242,177
561,832,979

54.13%
5.22%
16.97%
1.48%
1.88%
3.21%
45.87%
1.24
25.62%
1.47
8.53

58.02%
4.80%
17.24%
1.52%
1.46%
3.67%
41.98%
1.08
28.12%
1.81
9

56.14%
4.96%
20.13%
1.84%
1.63%
4.06%
43.86%
0.9
26.11%
1.62
12.16

52.59%
4.13%
23.29%
2.01%
1.79%
3.69%
47.41%

11.81%
21.51%
56.54%
78.67%

12.95%
31.90%
47.01%
78.14%

13.10%
37.30%
42.26%
78.53%

12.25%
39.70%
40.18%
78.66%

89.49%
77.50%
72.18%

89.66%
66.33%
61.19%

89.36%
60.28%
55.80%

89.50%
57.03%
52.37%

10.26%
7.28%
71.65%
45.33%
70.92%

13.58%
9.29%
80.01%
23.31%
68.37%

10.46%
10.72%
54.05%
17.75%
102.52%

12.44%
10.42%
64.72%
9.47%
83.75%

8.73%
8.07
50.24
9.01

8.80%
4.22
52.21
8.88

9.16%
3.54
60.4
8.57

8.62%

2.85

9.58

6.78

2010

2011

2012

0.9
28.71%
1.48
15.75

6.79
67.61
9.12
4.89

(27,804,610)

(27,709,145)

(27,673,517)

157,000
750,548
(28,712,158)
(365,817)
33,978,550
38,612

157,000
750,548
(28,616,693)
(254,642)
33,121,740
13,717

157,000
750,548
(28,581,065)
(227,663)
33,045,645
20,096

(27,501,370)
34,191
32,014,058
10,559

22,305,318
3,796,797
7,837,823
5,808,123

22,466,356
3,313,563
7,328,104
5,157,953

22,553,874
3,274,523
7,197,152
5,144,465

24,292,043
575,373
7,136,082
4,546,879

183,885
50,313
481,269
3,178,546
6,411,877
6,283,508
6,269,695
142,182
120,568
1,651,360
404,055

150,299
64,681
108,802
3,015,974
6,266,499
6,158,107
6,158,107
108,392
123,390
1,586,415
284,378

137,589
59,750
75,567
2,864,998
6,294,331
6,226,954
6,192,209
102,122
59,364
1,845,075
300,466

57,432
20,171
61,007
1,930,923
6,247,019
6,221,583
6,193,926
53,093
55,240
2,369,013
74,435

689,973
(285,958)
(159,224)
(126,694)
422,828
155,888
180,890
140,246
138,095

537,511
(253,133)
65,264
(187,869)
477,293
192,004
196,798
97,420
95,465

586,866
286,400
96,224
(190,176)
223,134
35,967
187,125
3,009
35,628

105,173
(30,738)
(9,278)
(21,460)
76,205
78,331
78,228
(23,586)
(23,866)

15,700
0.00%
0.00%
(756,259)
145,208

1,570
0.00%
0.00%
(280,827)
141,970

1,570
0.00%
0.00%
(255,917)
142,059

1,570
0.00%
0.00%
(1,016,245)
142,059

-70.77%
-4.92%
-0.50%
2.38%
7.28%
-2.18%
170.76%
1.29
18.85%
0.43
8.8

-89.01%
-4.91%
-0.34%
1.85%
9.25%
-3.64%
189.01%
2.02
25.21%
0.41
60.81

95.32%
-5.57%
-0.13%
0.69%
4.34%
-3.70%
195.32%
62.19
6.87%
0.84
22.69

-41.30%
-0.68%
0.09%
-0.52%
1.68%
-0.47%
141.30%
-3.32
52.00%

4.03%
54.73%
2.45%
65.37%

4.17%
58.47%
2.10%
64.24%

3.84%
55.69%
1.99%
63.65%

1.71%
42.47%
1.17%
12.65%

585.02%
168.88%
24.56%

642.15%
189.12%
24.31%

642.35%
192.22%
24.37%

704.09%
1,085.73%
25.12%

98.00%
97.78%
-22.60%
-2.54%
99.78%

98.27%
98.27%
-22.22%
1.06%
100.00%

98.93%
98.38%
-22.50%
1.55%
99.44%

99.59%
99.15%
-22.62%
-0.15%
99.56%

-478.72%
-0.01
-1,770.99
-0.14

-537.21%
-0.01
-17,649.14
-0.12

-537.93%
-0.01
-17,626.44
-0.12

-604.84%
-0.01
-17,516.80
-0.02

-7.18

42.58

-5.48

2009

-2.94

2010

2011

(27,501,370)
1
0

1.03
-15.2

2012

2,426,535

2,184,805

1,976,571

1,564,101

2,392,507
235,636

2,392,507
234,660

2,392,507
234,660

2,392,507
234,660

2009

(201,608)
(69,984)
5,192,070
54,542

(442,362)
(61,157)
4,508,821
40,505

(650,596)
21,753
5,758,864
183,863

(1,063,066)
74,488
7,759,271
102,132

1,728,922
2,934,403
474,203
7,548,621

1,437,604
2,651,948
378,764
6,632,469

2,171,669
2,999,192
404,140
7,757,188

3,587,031
3,326,423
743,685
9,397,860

213,861
79,660
33,445
2,701,816
9,243,470
6,166,877
5,285,573
3,957,897
122,462
439,480
879,072

228,062
20,912
0
2,680,334
8,744,596
5,995,141
5,436,997
3,307,599
132,586
262,976
647,521

214,655
9,865
800,000
3,027,667
8,655,771
5,937,822
5,306,693
3,349,078
135,321
220,602
728,192

278,502
44,228
750,000
4,569,617
8,709,930
5,877,266
5,362,510
3,347,420
145,414
262,679
819,120

523,653
355,419
58,921
296,498
21,478
1,216,276
1,236,080
(28,160)
(33,894)

350,732
296,789
166,780
130,009
62,287
529,348
517,111
(337,052)
(297,652)

432,919
295,273
74,676
369,949
26,738
613,257
608,610
(216,570)
(225,031)

537,819
281,301
70,514
210,787
18,859
641,119
636,726
(411,473)
(420,282)

239,251
0.00%
0.00%
(539,136)
2,988,550

239,251
0.00%
0.00%
(4,386)
3,658,819

239,251
0.00%
0.00%
490,316
3,658,819

239,251
0.00%
0.00%
1,656,889
4,950,066

40.43%
4.71%
-1.40%
-0.45%
0.28%
3.93%
59.57%
-43.89
135.06%
57.55
-0.14

45.83%
4.47%
-13.62%
-4.49%
0.94%
1.96%
54.17%
-1.53
74.58%
8.3
-1.24

40.55%
3.81%
-11.38%
-2.90%
0.34%
4.77%
59.45%
-2.81
81.23%
22.76
-0.94

34.34%
2.99%
-26.87%
-4.47%
0.20%
2.24%
65.66%
-1.55
76.51%
33.76
-1.76

3.89%
35.79%
52.43%
38.87%

3.75%
40.41%
49.87%
39.98%

2.89%
39.03%
43.17%
38.66%

3.43%
48.62%
35.62%
35.40%

68.78%
315.00%
198.22%

67.98%
329.74%
213.83%

74.24%
288.60%
167.40%

82.56%
261.84%
125.99%

66.72%
57.18%
254.14%
1.11%
85.71%

68.56%
62.18%
274.40%
3.07%
90.69%

68.60%
61.31%
300.41%
1.41%
89.37%

67.48%
61.57%
375.76%
1.31%
91.24%

32.15%
1.23
10.14
1.21

32.94%
1.67
9.13
1.21

25.48%
1.85
8.26
1.52

16.64%

15.91

0.01

-2.18

-3.94

2010

2011

3.16
6.54
2.13

2012

87,361

2,304,214

6,089,755

8,454,769

434,647
401,727
(749,013)
3,608,391
10,016,170

435,060
2,797,793
(928,639)
3,586,269
9,355,390

435,584
6,103,037
(448,866)
3,614,195
4,655,249

436,148
7,941,588
77,033
3,353,994
2,743,763

44,305

21,777

11,994

30,845

8,000,000
1,837,175
134,690
13,711,922

5,250,000
3,820,343
263,270
15,245,873

1,944,442
2,443,098
255,715
14,359,199

2,409,075
303,843
14,552,526

601,882
2,017,990

814,147
1,709,436

468,879
2,123,846

533,867
923,473

451,012
8,177,689
4,113,247
1,443,914
6,733,775
3,705,253
202,010
1,193,637

799,673
7,385,647
3,430,614
1,605,894
5,779,753
3,700,872
2,441,992
1,553,750

1,503,620
7,625,939
2,498,221
1,605,893
6,020,046
3,736,445
506,363
1,647,318

1,108,617
9,416,313
2,189,476
1,605,893
7,810,420
3,445,150
730,999
1,580,867

1,570,956
(377,319)

965,655
588,095
0 158,452
429,643
76,830
681,299
680,681
(174,826)
(179,626)

386,027
1,261,291

126,469
1,454,398
0 88,059
1,366,339
85,896
1,049,244
877,831
402,991
383,330

(377,319)
77,394
679,146
678,896
(979,071)
(979,071)

1,261,291
73,906
826,794
826,662
508,403
479,773

4,346
0.00%
0.00%
(321,956)
11,586,667

4,351
0.00%
0.00%
(2,135,260)
241,483

4,356
0.00%
0.00%
(2,529,962)
392,711

4,356
0.00%
0.00%
(3,326,137)
372,157

-31.61%
-2.75%
-1,120.72%
-7.14%
0.56%
-2.75%
131.61%
-0.69
53.43%
8.77
-225.26

37.85%
3.86%
-7.80%
-1.18%
0.50%
2.82%
62.15%
-3.89
41.78%
8.86
-41.29

76.57%
8.78%
7.88%
3.34%
0.51%
8.78%
23.43%
1.63
48.04%
11.19
110.14

92.00%
9.99%
4.53%
2.63%
0.59%
9.39%
8.00%

19.11%
3.29%
49.11%
13.40%

16.55%
5.25%
37.91%
25.06%

18.06%
10.47%
41.92%
17.01%

10.01%
7.62%
53.67%
16.55%

73.05%
445.12%
83.13%

61.36%
193.32%
81.43%

32.42%
312.14%
173.81%

18.85%
390.87%
390.87%

50.30%
17.66%
4,708.33%
0.00%
35.10%

46.45%
21.74%
148.88%
9.87%
46.81%

32.76%
21.06%
41.02%
0.00%
64.28%

23.25%
17.05%
25.90%
5.48%
73.35%

0.64%
132.63
20.1
21.03

15.11%
0.1
529.63
1.66

42.41%
0.06
1,398.02
0.4

58.10%

-5.27

-8.68

0.33

2009

11.89

2010

2011

2.18
62.95%
10.22
88

0.04
1,940.95
0.28

2012

16,888,812

20,862,475

23,007,624

25,597,151

12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378

12,522,441
1,884,411
6,455,623
842,168
95,881,306
306,040

12,522,441
2,313,441
8,171,742
1,313,843
98,146,493
208,117

12,522,441
2,831,346
10,243,364
1,798,884
104,463,319
294,024

51,257,213
5,425,170

51,257,213
9,602,772

51,257,213
8,962,457

51,292,157
11,096,956

27,692,792
102,371,813

34,715,281
117,585,949

37,718,706
122,467,960

41,780,182
131,859,354

1,732,495
16,005,460

2,745,611
10,916,739

3,056,462
11,176,444

3,524,505
9,000,562

4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
8,484,623

7,841,698
92,466,919
17,244,928
7,674,325
84,792,594
1,131,733
10,157,574
8,896,701

12,047,958
92,032,077
19,924,581
7,288,371
84,743,706
1,167,167
10,276,223
9,510,328

17,884,472
95,348,795
19,924,581
7,288,371
88,060,424
1,180,267
12,209,124
11,321,385

3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657

3,713,765
5,182,936
1,365,722
3,817,214
4,351,104
5,290,476
5,290,275
2,877,842
1,864,286

3,794,737
5,715,591
682,240
5,033,351
3,070,319
4,826,511
4,502,846
3,277,159
2,145,149

3,737,388
7,583,997
1,064,320
6,519,677
4,416,388
7,046,657
7,075,901
3,889,408
2,589,527

1,252,244
0.00%
0.00%
1,582,580
11,311,906

1,252,244
0.00%
0.00%
2,199,488
11,365,577

1,252,244
0.00%
0.00%
4,472,813
10,535,082

1,252,244
0.00%
0.00%
2,520,972
10,535,082

58.87%
4.88%
15.43%
2.55%
5.65%
3.00%
41.13%
1.13
34.06%
0.78
2.08

58.26%
4.41%
8.94%
1.59%
3.70%
3.25%
41.74%
1.84
39.93%
1.22
1.49

60.10%
4.67%
9.32%
1.75%
2.51%
4.11%
39.90%
1.37
38.36%
1.47
1.71

66.99%
5.75%
10.12%
1.96%
3.35%
4.94%
33.01%

17.33%
4.84%
68.30%
5.30%

11.62%
6.67%
72.11%
8.17%

11.62%
9.84%
69.20%
7.32%

9.50%
13.56%
66.78%
8.42%

83.02%
1,433.51%
137.20%

81.54%
962.92%
151.93%

80.14%
1,026.86%
152.83%

79.22%
859.23%
152.83%

16.70%
10.09%
76.89%
24.52%
60.43%

18.65%
8.30%
82.66%
17.80%
44.50%

21.65%
7.92%
86.60%
9.36%
36.58%

20.90%
7.64%
77.84%
14.60%
36.58%

16.50%
0.67
13.49
0.32

17.74%
0.54
16.66
0.46

18.79%
0.46
18.37
0.39

19.41%

0.61

1.18

2.09

1.82
44.78%
1.6
2.07

0.41
20.44
0.43
0.97

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