Balance Sheet Horizontal anlysis for the BOP (Three Yeras

Three years
Items 2017 2016 2015
Assets Rupees in '000'
Cash & Balances with treasury bank 42478209 35756024 26190481
Balances with other bank 8116297 3765867 4512033
Lending to financial institute 24170850 11562133 6113262
investments 242487965 199784353 176079793
Advances 295841425 262025131 219356020
Operating fixed assets 8533033 7692675 6484312
Deffered Tax assets 10786284 6480256 7905981
Other assets 19295379 18152867 25641447
Total Assets 649709442 545219309 472283329
Liabilitis
Bills payables 3365325 4183480 1887432
Borrowings 38949362 39829134 55236429
Deposits 556191873 453219740 374960986
Subordinated loans 4499000 4500000 2000000
liabilities against assets subject to the finance lease nill nill nill
Deffered Tax liability-net. nill nill nill
Other laibility 16864004 15627465 15520719
Total Liabilities 619869564 517359819 449605566
Net Assets 29839878 27859487 22677763

Profit & Loss A/C Horizontal anlysis for the BOP (Three Yeras
Three years
Items 2017 2016 2015
Rupees in '000'
Mark up/ Return/Interest earned 34532045 29744865 31262880
Mark up/ Return/Interest expensed 18877323 17430154 20198798
Net Mark up/Iterest income 15654722 12314711 11064082

Provision against non-performing loans 14131478 917631 3431451

Provision for diminution in the value of investment 91645 102632 97202
Bad Debts written off NILL NILL NILL
Total 14223123 1020263 3528653
Net-mark up/interest income after provision 1431599 11294448 7535429

NON MARK UP/ INTEREST INCOME

Fee,Commision income 1227035 974703 828229
Dividened income 91361 61774 57581
income from dealing in foreign currency 109173 75248 109280
Gain on sale & redemption of security 1316155 2525572 5013546
Unrealised loss on revaluation of investment 80 -1176 -8522
Other income 1859912 1665095 1635064
Total Non-Mark upp Income 4603716 5301216 7635178
TOTAL 6035315 16595664 15170607
NON-MARK UP/INTEREST EXPENSES
Admin Expenses 10174996 8410589 7394142
Provision against other assets 513461 569923 224382
Reversal of provision against off balance sheet obl. NILL -485668 32274
Other charges 43003 33699 19958
TOTAL NON-MARKUP INTEREST EXPENSE 10731460 8528543 7670756
TOTAL -4696145 8067121 7499851

PROFIT & LOSS BEFORE TAXATION

Current year 2274233 965558 789782
Prior year 227511 622219 143953
Deffered -3880813 1596420 2248317
Total -1379069 3184197 2782052

PROFIT & LOSS AFTER TAX -3317076 4882924 4717799

BOP (Three Yeras Vertical analysis three yeras
Change Change Overall Change % % %
2016-2017 2015-2016 15-16-17 2017 2016 2015

18.8001467948 36.5229756567 -17.7228288618 6.5380316575 6.5580993574 5.5455019036

115.5226671574 -16.5372460707 132.0599132281 1.2492194934 0.6907068289 0.9553657144
109.0518246071 89.1319724232 19.9198521839 3.7202553076 2.1206389446 1.29440563
21.3748531147 13.4623965624 7.9124565523 37.322524397 36.6429342656 37.2826611036
12.9057445257 19.4519899659 -6.5462454402 45.5344198307 48.0586667924 46.4458528453
10.9241323727 18.6351767157 -7.7110443431 1.3133613964 1.4109322383 1.3729707576
66.4484242598 -18.0334989421 84.4819232019 1.6601704243 1.1885595196 1.6739911224
6.2938377723 -29.2049820745 35.4988198468 2.9698474045 3.329461503 5.4292509232
19.1647895214 15.4432679541 3.7215215673 100 100 100
0
-19.556804383 121.64930975 -141.2061141329 0.5429085723 0.8086209726 0.4197972941
-2.2088655003 -27.8933582039 25.6844927036 6.2834770833 7.698536403 12.2855305132
22.7201341671 20.8711724478 1.8489617194 89.7272434883 87.6024235659 83.3977633631
-0.0222222222 125 -125.0222222222 0.7257978551 0.86980083 0.4448343506
0 #VALUE! #VALUE! #VALUE!
0 #VALUE! #VALUE! #VALUE!
7.912601308 0.6877645295 7.2248367786 2.7205730011 3.0206182286 3.452074479
19.8140136198 15.0697095685 4.7443040513 100 100 100
7.1084977265 22.8493612884 -15.7408635619

OP (Three Yeras Vertical analysis three yeras

% % %
Change Change Overall Change 2017 2016 2015
2016-2017 2015-2016 15-16-17
16.0941392741 -4.8556466967 20.9497859708 242.788064197 2915.41151644 885.97206923
8.3026747784 -13.7069740487 22.0096488271 132.722771223 1708.39812872 572.42233793
27.1221224761 11.303504439 15.8186180372 110.065292974 1207.01338772 313.5497313
0 0 0 0
1439.9957063351 -73.2582222506 1513.2539285857 99.3556619035 89.9406329544 97.2453511297
-10.7052381324 5.5863048085 -16.2915429409 0.6443380965 10.0593670456 2.7546488703
0
1294.0643735978 -71.0863323767 1365.1507059745 100 100 100
-87.3247546051 49.8846051101 -137.2093597152
0
0
25.888091039 17.6852054202 8.2028856188 20.330918933 5.8732389376 5.459432177
 47.8955547641 7.2819159098 40.6136388544 1.5137735147 0.3722297583 0.3795563355
45.084254731 -31.1420204978 76.2262752288 1.8089030978 0.4534196402 0.7203403265
-47.8868549382 -49.6250358529 1.7381809147 21.8075609972 15.2182642406 33.0477613717
-106.8027210884 -86.200422436 -20.6022986524 0.0013255315 -0.0070861883 -0.0561744168
11.7000531501 1.836686515 9.8633666351 30.8171487321 10.0333135209 10.7778416513
-13.1573586136 -30.5685342241 17.4111756105 31.9433799094 50.3287574452
-63.6331815346 9.3935397575 -73.0267212922 100 100 100

20.978399967 13.7466524175 7.2317475494 -216.666989627 104.257627969 98.590518665

-9.9069523427 153.996755533 -163.9037078757 -10.9336700634 7.0647632532 2.9918194375
-1604.8274152569 1604.8274152569 NILL -6.0203386065 0.4303285492
27.6091278673 68.8495841267 -41.2404562594 -0.9157085226 0.4177326707 0.2661119534
25.829933671 11.1825614059 14.647372265 -228.516368213 105.719785286 102.27877861
-158.2133948406 7.5637502665 -165.7771451071 100 100 100

135.5356177464 22.2562681854 113.279349561 -68.5613775506 19.7741762927 16.7404758024

-63.4355427912 332.2376053295 -395.6731481207 -16.4974341385 19.5408449917 5.1743461301
-343.094736974 -28.9948881764 -314.0998487976 281.408181897 50.1357171054 80.8150602505
-143.3097889358 14.4549778365 -157.7647667723 100 100 100
0
-167.9321652354 3.5000431345 -171.4322083699 41.5748388038 65.2108654568 58.969277835