Annual Statistics of the Banking Industry

Item 1998 1999 2000

Assets and Liabilities, Rupees Million
1 Assets 703,179 779,520 944,451
2 Gross Loans and Advances(a) 372,526 435,590 523,620
3 Net Loans and Advances(b) 349,106 404,194 489,225
4 Gross Non-performing Advances(a) 54,936 68,717 71,325
5 Net Non-performing Advances(b) 31,515 37,321 36,929
6 Specific Provision for Bad and Doubtful Advances 23,420 31,396 34,395
7 Investments 152,690 170,139 205,732
8 Risk Weighted Assets(c) 364,000 402,174 442,112
9 Capital Funds (d) 48,417 45,355 48,686
10 Core Capital (Tier 1 Capital)(c) 42,130 48,486 43,948
11 Capital Base(c) 46,012 51,422 45,972
12 Deposits 480,246 539,591 609,516
Time Deposits 198,953 213,942 247,841
Savings Deposits 191,529 227,248 253,728
Demand Deposits 58,418 66,994 72,605
Other Deposits 31,346 31,408 35,341
13 Borrowings 118,714 135,608 212,285
14 Contingencies 208,980 209,672 237,256

Earnings/Profitability, Rupees Million

15 Interest Income 72,067 76,582 90,690
16 Interest Expenses 46,011 51,887 59,947
17 Net-interest Income 26,056 24,695 30,743
18 Non-interest Income 13,781 13,197 15,584
Foreign Exchange Income (Net) 3,936 3,636 3,921
19 Non-interest Expenses 23,707 24,675 30,697
Staff Cost 11,045 12,599 15,326

20 Provision for Bad and Doubtful Advances (Charged during the period) 5,267 10,654 6,642
21 Profit Before Tax 9,961 2,433 8,409
22 Profit After Tax 6,796 -480 5,576
Selected Financial Performance Ratios, Percentage

1 Capital Adequacy
1.1 Core Capital (Tier 1 Capital) Adequacy Ratio 11.6 12.1 9.9
1.2 Total Capital Adequacy Ratio 12.6 12.8 10.4
1.3 Net Non-performing Advances to Capital Ratio 65.1 82.3 75.9
Gross Non-performing Advances Rati
2 Assets Quality 18.0
2.1 Gross Non-performing Advances Ratio(a) 14.7 15.8 13.6
2.2 Net Non-performing Advances Ratio(b) 16.0 9.0 9.2 7.5
2.3 Specific Provisions to Net Non-performing Loans Ratio 14.0 42.6 45.7 48.2
12.0
10.0
8.0
6.0
 18.0
16.0
14.0
12.0
3 Profitability
10.0
3.1 Return on Assets (ROA) Before Tax 1.4 0.3 1.0
3.2 Return on Assets (ROA) After Tax 8.0 1.0 -0.1 0.6
3.3 Return on Equity (ROE) 6.0 14.0 -1.0 11.9
3.4 Efficiency Ratio 71.7 92.0 79.6
4.0
3.5 Staff Cost to Operating Expenses 44.6 48.9 47.4
3.6 Interest Margin 2.0 3.9 3.5 3.7
0.0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 1
4 Liquidity Indicators
4.1 Liquid Assets Ratio(e) 29.4 31.4 29.0
4.2 Credit to Deposit Ratio 77.6 80.7 85.9

* Provisional Data
(a) Net of interest in suspense.

(b) Net of interest in suspense and specific loan loss provisions.

(c) Estimated in terms of Capital Adequacy Requirement.

(d) Capital funds reported in the balance sheet.

(e) Estimated in terms of statutory liquid assets requirement.

 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

1,018,905 1,099,219 1,265,310 1,463,994 1,780,955 2,142,164 2,504,201 2,697,450 3,013,256 3,550,515
593,328 606,350 674,568 815,778 1,002,578 1,289,764 1,534,098 1,634,807 1,596,446 1,975,360
555,696 564,544 627,939 766,956 955,179 1,245,326 1,490,393 1,585,633 1,538,405 1,926,838
90,526 86,922 83,167 74,948 70,701 72,568 79,064 103,271 135,579 107,044
52,895 45,116 36,539 27,166 24,155 28,129 35,359 54,097 77,539 58,522
37,632 41,806 46,628 47,782 46,546 44,439 43,706 49,174 58,041 48,522
233,996 309,487 389,446 403,144 442,646 487,804 552,231 673,459 929,217 1,080,859
443,050 465,866 605,379 717,435 858,852 1,131,032 1,357,133 1,571,384 1,526,980 1,814,957
54,044 65,305 88,413 103,087 137,272 162,519 199,779 218,779 243,176 294,632
44,828 54,548 68,478 82,063 115,475 136,420 165,625 195,776 214,930 259,945
46,439 57,083 71,988 81,531 116,437 150,001 185,856 227,436 246,592 294,065
698,478 792,575 911,501 1,079,016 1,272,983 1,494,457 1,741,310 1,878,231 2,231,575 2,586,032
299,264 330,223 386,173 460,619 554,113 704,967 918,240 1,057,020 1,249,748 1,374,357
283,185 325,228 378,776 447,740 511,522 542,333 573,693 585,099 709,169 863,125
72,311 87,311 106,663 128,462 165,102 183,074 175,129 166,164 199,458 267,438
43,718 49,812 39,890 42,194 42,246 64,083 74,248 69,948 73,200 81,113
196,106 167,816 189,962 211,585 289,091 387,593 439,474 458,123 389,343 506,913
232,692 252,225 306,999 332,971 413,613 696,079 1,139,192 1,180,738 1,131,031 1,419,208

112,884 108,758 111,417 113,803 141,847 193,645 278,634 343,785 364,250 330,091
81,294 69,310 60,322 57,615 76,129 108,166 177,029 228,682 233,942 180,333
31,590 39,447 51,095 56,188 65,718 85,478 101,605 115,103 130,307 149,758
18,133 19,599 27,209 29,641 30,200 32,878 40,203 54,453 59,145 67,295
5,319 4,074 4,599 6,941 5,759 9,413 9,210 13,887 12,026 11,882
33,986 36,145 42,243 47,298 52,775 67,077 75,437 88,952 96,507 105,849
16,084 17,198 20,898 22,353 23,946 29,357 33,332 39,596 44,860 47,819

7,348 8,877 12,352 10,664 7,667 8,713 11,532 16,579 26,437 2,375
9,805 14,705 20,709 23,307 29,958 37,089 44,134 50,424 52,210 89,968
7,027 11,587 16,912 17,325 19,972 22,797 25,353 27,756 27,268 59,191

10.1 11.7 11.3 11.4 13.4 12.1 12.2 12.5 14.1 14.3
10.5 12.3 11.9 11.4 13.6 13.3 13.7 14.5 16.1 16.2
97.9 69.1 41.3 26.4 17.6 14.8 14.0 18.5 26.2 19.9
forming Advances Ratio(a)
15.3 14.3 12.3 9.2 7.1 5.6 5.2 6.3 8.5 5.4
9.5 8.0 5.8 3.5 2.5 2.3 2.4 3.4 5.0 3.0
41.6 48.1 56.1 63.8 65.8 61.2 55.3 47.6 42.8 45.3
 1.0 1.4 1.7 1.7 1.9 1.9 1.9 1.9 1.8 2.7
0.7 1.1 1.4 1.3 1.2 1.2 1.1 1.1 1.0 1.8
13.7 19.1 21.8 18.1 16.4 15.2 14.0 13.4 11.8 22.0
77.7 71.5 69.5 69.7 67.3 56.7 55.6 55.6 56.3 47.2
47.1 46.7 44.6 41.9 40.1 43.8 44.2 44.5 46.5 45.2
3.3 3.8 4.3 4.1 4.1 4.4 4.4 4.4 4.6 4.6

10 11 12 13 14 15 16 17 18 19 20 21 22

31.9 33.0 32.2 33.8 31.7 30.4 30.4 31.3 39.2 36.6
84.9 76.5 74.0 75.6 78.8 86.3 88.1 87.0 71.5 76.4
 2011 2012* 2013* 2014* 2015* 2016* 2017* Q1 2018* Q2 2018*

4,252,234 5,098,219 5,941,473 6,971,832 8,077,474 9,046,583 10,292,397 10,675,171 10,847,444

2,601,173 3,149,326 3,426,558 3,894,545 4,715,290 5,540,751 6,430,920 6,725,468 6,946,487
2,555,486 3,100,991 3,364,478 3,828,862 4,643,671 5,466,602 6,351,194 6,639,513 6,851,559
99,297 116,635 191,033 165,474 152,812 142,349 160,672 200,977 227,637
53,611 68,301 128,952 99,790 81,192 68,199 80,946 115,022 132,710
45,686 48,335 62,080 65,683 71,619 74,150 79,726 85,955 94,927
1,057,144 1,218,065 1,694,950 1,927,549 2,347,596 2,270,533 2,554,384 2,611,800 2,607,815
2,268,964 2,601,095 2,942,133 3,498,306 4,291,298 5,058,816 5,715,876 6,069,968 6,201,955
370,849 435,910 489,611 568,511 636,727 707,285 866,704 899,478 934,610
325,757 381,878 438,271 492,477 559,966 636,755 706,228 755,617 785,139
362,732 427,507 517,844 580,120 661,315 790,189 870,557 955,237 982,658
3,072,544 3,625,374 4,169,520 4,686,306 5,403,131 6,295,559 7,399,006 7,713,285 7,942,508
1,713,124 2,221,236 2,637,792 2,704,034 3,079,517 3,812,449 4,704,310 4,925,005 5,129,188
979,664 1,006,403 1,117,773 1,461,611 1,729,595 1,858,107 2,032,338 2,100,087 2,142,933
280,300 269,832 296,548 380,970 446,448 479,202 496,010 504,623 480,336
99,455 127,903 117,407 139,691 147,571 145,801 166,347 183,570 190,051
635,489 804,318 1,015,391 1,448,209 1,758,389 1,696,414 1,607,062 1,616,490 1,533,284
1,973,350 2,033,987 2,244,189 2,171,108 2,271,576 5,973,241 2,633,406 2,693,091 2,768,663

357,691 495,618 591,156 561,809 591,331 757,486 971,871 259,309 530,033

192,674 298,372 394,747 340,461 325,235 453,185 630,247 166,444 339,959
165,017 197,246 196,409 221,348 266,096 304,301 341,624 92,865 190,075
60,638 78,875 85,780 98,041 97,478 102,872 122,311 35,394 65,460
14,891 26,739 16,404 19,258 27,469 25,895 23,455 7,330 15,435
117,442 133,506 141,969 160,184 178,492 197,230 204,816 57,589 117,025
51,860 61,118 63,727 69,630 81,225 88,613 95,095 25,772 52,911

4,971 14,365 26,279 22,502 25,646 19,367 28,307 7,878 21,454

94,077 116,778 104,488 126,486 139,858 164,969 194,781 51,278 96,477
65,846 82,666 74,595 88,005 97,124 116,495 138,918 35,712 64,555

14.4 14.7 14.9 14.1 13.0 12.6 12.4 12.4 12.7

16.0 16.4 17.6 16.6 15.4 15.6 15.2 15.7 15.8
14.5 15.7 26.3 17.6 12.8 9.6 9.3 12.8 14.2

3.8 3.7 5.6 4.2 3.2 2.6 2.5 3.0 3.3

2.1 2.2 3.8 2.6 1.7 1.2 1.3 1.7 1.9
46.0 41.4 32.5 39.7 46.9 52.1 49.6 42.8 41.7
 2.4 2.4 1.9 2.0 1.9 1.9 2.0 2.0 1.9
1.7 1.7 1.3 1.4 1.3 1.4 1.4 1.4 1.2
19.8 20.3 16.0 16.6 16.2 17.3 17.6 17.2 14.8
52.7 49.4 53.4 51.4 51.0 49.2 45.7 46.8 48.7
44.2 45.8 44.9 43.5 45.5 44.9 46.4 44.8 45.2
4.2 4.1 3.5 3.5 3.6 3.6 3.5 3.7 3.7

32.4 31.3 37.7 39.5 33.9 29.9 31.3 31.2 30.2

84.7 86.9 82.2 83.1 87.3 88.0 86.9 87.2 87.5
 Banking Sector Assets Gross
12,000,000 250,000

10,000,000 200,000

8,000,000
150,000
6,000,000
100,000
4,000,000
50,000
2,000,000

0 0
2 3 4 5 6 7 8 9 0 1 2* 3* 4* 5* 6* 7* 8* 8* 8 9 00 01 02
98 9 0 1 0 0 0 0 0 1 99 99 0 0 0
9 99 00 00 0 00 00 00 0 0 0 0 0 01 01 01 01 01 01 01 01 01 1 1 2 2 2 2
1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2
1 2
Q Q

Gross Loans and Advances

8,000,000 Specifi c Prov
7,000,000 100,000
90,000
6,000,000
80,000
5,000,000 70,000
4,000,000 60,000
3,000,000 50,000
40,000
2,000,000
30,000
1,000,000 20,000
0 10,000
9 0 1 * * * * * * * *
98 99 00 01 02 03 04 05 06 07 08 0 1 1 12 13 14 15 16 17 18 18 0
9 9 0 0 0 0 0 0 0 0 0 0 0 0
1 1 2 2 2 2 2 2 2 2 2 2 2 2 20 20 20 20 20 20 20 20
1 2
Q Q

Deposits
9,000,000
8,000,000
7,000,000
6,000,000
5,000,000
4,000,000
3,000,000
2,000,000
1,000,000
0
8 0 1 * * * * * * * *
9 99 0 0 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 18
9 9 0 0 0 0 0 0 0 0 0 0 0 0
1 1 2 2 2 2 2 2 2 2 2 2 2 2 20 20 20 20 20 20 20 20
1 2
Q Q
2,000,000
1,000,000
0
8 0 1 * * * * * * * *
9 99 0 0 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 18
9 9 0 0 0 0 0 0 0 0 0 0 0 0
1 1 2 2 2 2 2 2 2 2 2 2 2 2 20 20 20 20 20 20 20 20
1 2
Q Q

Provision for Bad and Doubtf ul Advances

30,000

25,000

20,000

15,000

10,000

5,000

0
9
8
9
9
0
0 1 02 3 04 05 6 07 08 09 10 11 2* 3* 4* 5* 6* 7* 8* 8*
9 9 0 00 0 00 0 0 00 0 0 0 0 0 01 01 01 01 01 01 01 01
1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2
1 2
Q Q
 Gross Non-performing Advances
250,000

200,000

150,000

100,000

50,000

0
8 9 00 01 02 03 04 5 06 07 08 09 0 1 2* 3* 4* 5* 6* 7* 8* 8*
99 99 0 0 0 0 0 00 0 0 0 0 01 01 01 01 01 01 01 01 01 01
1 1 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2
1 2
Q Q

Specifi c Provision for Bad and Doubtf ul Advances

100,000
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
0
Annual Statistics of Licensed Commercial Banks

Item 1998 1999 2000 2001 2002

Assets and Liabilities, Rupees Million

1 Assets 544,696 600,429 745,828 799,450 862,283
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 77.5 77.0 79.0 78.5 78.4
2 Gross Loans and Advances(a) 313,796 363,760 443,099 511,281 524,482
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 84.2 83.5 84.6 86.2 86.5
3 Net Loans and Advances(b) 291,593 334,110 410,854 476,519 486,138
4 Gross Non-performing Advances(a) 47,831 57,227 60,187 78,245 76,104
5 Net Non-performing Advances(b) 25,628 27,578 27,941 43,483 37,760
6 Specific Provision for Bad and Doubtful Advances 22,203 29,650 32,245 34,762 38,344
7 Investments 76,287 83,943 109,807 123,280 175,451
8 Risk Weighted Assets(c) 301,426 327,451 363,374 363,238 392,475
9 Capital Funds (d) 33,728 28,620 29,530 32,275 40,296
10 Core Capital (Tier 1 Capital)(c) 29,580 33,878 28,373 28,351 36,319
11 Capital Base(c) 33,532 37,830 31,402 31,211 40,610
12 Deposits 389,272 436,007 492,254 565,091 641,342
Time Deposits 144,852 152,678 174,481 212,995 231,955
Savings Deposits 157,222 188,038 213,338 240,080 276,619
Demand Deposits 58,418 66,994 72,605 72,311 87,311
Other Deposits 28,779 28,298 31,830 39,705 45,456
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 81.1 80.8 80.8 80.9 80.9
13 Borrowings 73,877 86,179 160,647 143,663 119,187
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 62.2 63.6 75.7 73.3 71.0
14 Contingencies 196,225 196,289 225,014 220,154 243,467

Earnings/Profitability, Rupees Million

15 Interest Income 54,176 56,006 67,891 85,567 80,818
16 Interest Expenses 32,874 36,684 43,357 60,058 49,376
17 Net-interest Income 21,302 19,322 24,534 25,509 31,442
18 Non-interest Income 12,982 12,037 14,183 16,710 17,252
Foreign Exchange Income (Net) 3,935 3,617 3,903 5,288 4,071
19 Non-interest Expenses 21,557 22,031 27,382 30,385 31,785
Staff Cost 9,870 11,129 13,425 13,987 14,943
Provision for Bad and Doubtful Advances
20 (Charged during the period) 5,271 9,964 5,874 6,164 7,948
21 Profit Before Tax 6,790 -971 5,026 6,478 9,232
22 Profit After Tax 4,704 -2,907 3,257 4,795 7,664
Selected Financial Performance Ratios, Percentage
1 Capital Adequacy
1.1 Core Capital (Tier 1 Capital) Adequacy Ratio 9.8 10.3 7.8 7.8 9.3
1.2 Total Capital Adequacy Ratio 11.1 11.6 8.6 8.6 10.3
1.3 Net Non-performing Advances to Capital Ratio 76.0 96.4 94.6 134.7 93.7

2 Assets Quality
2.1 Gross Non-performing Advances Ratio(a) 15.2 15.7 13.6 15.3 14.5
2.2 Net Non-performing Advances Ratio(b) 8.8 8.3 6.8 9.1 7.8
Specific Provisions to Net Non-performing Loans
2.3 Ratio 46.4 51.8 53.6 44.4 50.4

3 Profitability
3.1 Return on Assets (ROA) Before Tax 1.2 -0.2 0.7 0.8 1.1
3.2 Return on Assets (ROA) After Tax 0.9 -0.5 0.5 0.6 0.9
3.3 Return on Equity (ROE) 13.9 -9.3 11.2 15.5 20.5
3.4 Efficiency Ratio 76.6 104.5 84.7 82.0 77.3
3.5 Staff Cost to Operating Expenses 44.4 49.8 48.3 47.3 47.4
3.6 Interest Margin 4.1 3.6 3.8 3.4 3.8

4 Liquidity Indicators
4.1 Liquid Assets Ratio(e) 28.7 29.6 30.2 30.9 33.2
4.2 Credit to Deposit Ratio 80.6 83.4 90.0 90.5 81.8

* Provisional Data
(a) Net of interest in suspense.

(b) Net of interest in suspense and specific loan loss provisions.

(c) Estimated in terms of Capital Adequacy Requirement.

(d) Capital funds reported in the balance sheet.

(e) Estimated in terms of statutory liquid assets requirement.

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012*

987,215 1,155,214 1,461,540 1,786,949 2,098,279 2,259,914 2,506,585 2,974,559 3,578,497 4,355,688
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
78.0 78.9 82.1 83.4 83.8 83.8 83.2 83.8 84 85
579,784 708,990 901,463 1,151,160 1,366,454 1,456,603 1,406,979 1,764,189 2,329,119 2,830,682
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
85.9 86.9 89.9 89.3 89.1 89.1 88 89 90 90
537,319 664,328 856,109 1,108,508 1,324,734 1,409,914 1,351,988 1,720,518 2,288,122 2,786,887
72,289 63,874 61,765 63,251 67,775 87,395 115,895 90,313 80,862 96,248
29,824 20,253 17,263 20,599 26,055 40,706 60,904 46,642 39,865 52,454
42,465 43,622 44,502 42,652 41,720 46,689 54,990 43,671 40,998 43,794
229,587 234,259 261,414 297,774 348,510 454,041 652,837 763,758 717,222 869,033
529,910 631,895 789,061 1,036,611 1,214,846 1,426,645 1,359,096 1,612,687 2,022,358 2,337,215
57,035 67,927 104,597 129,744 161,710 179,050 197,910 236,381 305,429 366,930
47,028 58,984 95,903 116,831 144,260 158,771 175,336 209,462 271,188 323,773
54,639 65,000 101,321 131,292 165,040 197,077 209,717 244,768 312,932 373,522
730,295 875,736 1,042,003 1,235,537 1,456,701 1,560,247 1,850,591 2,153,425 2,558,731 3,061,297
266,670 326,066 398,068 534,023 722,431 828,871 968,288 1,061,393 1,333,777 1,794,658
321,904 383,433 440,573 458,998 485,931 497,727 611,260 745,809 849,820 874,131
106,663 128,462 165,102 183,074 175,129 166,164 199,458 267,438 280,300 269,832
35,058 37,775 38,261 59,442 73,209 67,484 71,586 78,786 94,832 122,675
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
80.1 81.2 81.9 82.7 83.7 83.1 83 83 83 84
136,200 153,329 245,153 338,013 373,853 400,130 334,610 450,293 566,709 727,132
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
71.7 72.5 84.8 87.2 85.1 87.3 86 89 89 90
296,590 321,874 402,477 694,009 1,137,724 1,179,123 1,128,041 1,414,470 1,967,856 2,026,010

80,292 83,533 111,268 156,200 231,778 286,560 299,044 267,386 293,177 418,678
41,786 40,955 57,848 84,777 143,502 183,570 184,766 139,893 153,079 244,446
38,506 42,578 53,421 71,423 88,276 102,989 114,277 127,493 140,098 174,232
24,562 27,441 28,010 31,341 36,226 46,463 49,333 51,756 53,659 71,715
4,599 6,941 5,757 9,401 9,206 13,843 12,056 11,922 15,065 26,827
36,807 41,117 46,930 59,891 67,454 79,561 85,694 94,418 104,436 118,334
17,950 19,135 20,864 25,541 28,946 34,578 39,041 42,165 45,157 53,106

11,321 9,683 7,337 8,134 10,727 15,251 25,150 1,073 4,628 13,692
12,539 15,323 22,463 30,302 37,584 44,373 40,751 69,591 78,643 104,018
10,279 11,433 15,241 18,961 21,796 25,174 20,833 45,183 55,075 73,539

8.9 9.3 12.2 11.3 11.9 11.1 12.9 13.0 13.4 13.9
10.3 10.3 12.8 12.7 13.6 13.8 15.4 15.2 15.5 16.0
52.3 29.8 16.5 13.0 11.9 16.7 25.3 19.7 13.1 14.3

12.5 9.0 6.9 5.5 5.0 6.0 8.2 5.1 3.5 3.4
5.5 3.0 2.0 1.9 2.0 2.9 4.5 2.7 1.7 1.9

58.7 68.3 72.1 67.4 61.6 53.4 47.4 48.4 50.7 45.5

1.4 1.4 1.7 1.9 1.9 2.0 1.7 2.5 2.4 2.5
1.1 1.1 1.2 1.2 1.1 1.2 0.9 1.6 1.7 1.8
21.1 18.3 16.8 16.2 15.0 14.8 11.1 20.8 20.3 21.7
71.2 68.4 63.5 58.6 56.7 56.1 59.1 50.7 54.4 49.3
48.7 46.4 44.4 42.6 42.9 43.5 45.6 44.7 43.2 44.9
4.2 4.0 4.1 4.4 4.5 4.7 4.8 4.7 4.3 4.3

26.1 26.3 24.2 23.9 24.8 25.6 33.0 29.4 26.2 26.2
79.4 81.1 86.5 93.2 93.8 93.4 76.0 81.9 91.0 92.5
2013* 2014* 2015* 2016* 2017* Q1 2018* Q2 2018*

5,022,147 5,884,361 6,974,300 7,843,338 8,926,192 9,268,623 9,402,637

100 100 100 100 100 100 100
85 84 86 87 86.7 87 87
3,079,441 3,453,875 4,258,330 5,007,522 5,791,214 6,068,948 6,273,733
100 100 100 100 100 100 100
90 89 90 90 90 90 90
3,022,887 3,394,479 4,190,662 4,938,331 5,717,336 5,989,241 6,185,859
158,897 123,527 123,371 118,313 133,310 168,955 193,823
102,343 64,131 55,704 49,123 59,431 89,247 105,949
56,554 59,396 67,667 69,190 73,878 79,708 87,874
1,223,967 1,393,978 1,813,136 1,735,286 1,986,649 2,032,575 2,017,723
2,659,643 3,152,442 3,969,325 4,670,779 5,281,405 5,609,658 5,726,895
418,897 490,744 574,147 645,940 793,226 817,953 852,562
380,024 443,858 506,641 584,195 650,518 696,672 725,041
465,391 536,779 607,916 730,822 805,231 884,307 911,217
3,552,439 3,976,635 4,638,976 5,449,413 6,424,432 6,709,976 6,909,510
2,170,548 2,180,149 2,531,020 3,200,730 3,985,888 4,184,752 4,362,317
974,164 1,282,186 1,518,521 1,627,851 1,779,045 1,840,007 1,886,848
296,548 380,970 446,448 479,202 496,010 504,623 480,336
111,179 133,330 142,986 141,630 163,488 180,594 180,009
100 100 100 100 100 100 100
85 85 86 87 87 87 87
825,504 1,186,197 1,518,959 1,445,163 1,342,446 1,347,196 1,259,646
100 100 100 100 100 100 100
81 82 86 85 84 83 83
2,178,657 2,084,103 2,195,476 5,891,517 2,560,649 2,621,746 2,697,308

499,523 460,733 486,794 637,691 825,752 219,994 449,446

321,141 270,247 260,807 373,960 525,282 138,454 282,878
178,382 190,486 225,988 263,731 300,470 81,540 166,568
76,979 85,969 91,697 97,538 113,298 33,873 62,501
17,336 19,036 27,180 25,555 23,134 7,129 15,026
126,293 140,027 157,137 174,261 180,605 50,395 101,871
55,269 60,097 70,099 76,866 81,945 21,735 44,569

24,878 20,532 24,736 18,934 26,865 7,419 20,167

96,054 109,861 122,739 147,966 175,837 47,526 89,245
68,419 76,589 85,608 104,861 125,957 33,475 60,412

14.3 14.1 12.8 12.5 12.3 12.4 12.7

17.5 17.0 15.3 15.6 15.2 15.8 15.9
24.4 13.1 9.7 7.6 7.5 10.9 12.4

5.2 3.6 2.9 2.4 2.3 2.8 3.1

3.4 1.9 1.3 1.0 1.0 1.5 1.7

35.6 48.1 54.8 58.5 55.4 47.2 45.3

2.0 2.0 1.9 2.0 2.1 2.2 2.0

1.4 1.4 1.3 1.4 1.5 1.5 1.3
17.3 16.8 15.7 17.2 17.5 17.6 15.2
52.6 51.6 51.1 48.9 45.2 45.6 47.4
43.8 42.9 44.6 44.1 45.4 43.1 43.8
3.7 3.6 3.5 3.6 3.5 3.7 3.7

30.8 33.2 28.7 25.4 27.2 27.1 26.2

86.7 86.9 91.8 91.9 90.1 90.4 90.8
Annual Statistics of Licensed Specialised Banks

Item 1998 1999 2000 2001 2002

Assets and Liabilities, Rupees Million

1 Assets 158,483 179,090 198,623 219,455 236,936
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 22.5 23.0 21.0 21.5 21.6
2 Gross Loans and Advances(a) 58,730 71,831 80,521 82,047 81,868
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 15.8 16.5 15.4 13.8 13.5
3 Net Loans and Advances(b) 57,513 70,084 78,371 79,176 78,406
4 Gross Non-performing Advances(a) 7,104 11,490 11,138 12,282 10,817
5 Net Non-performing Advances(b) 5,887 9,743 8,988 9,412 7,355
6 Specific Provision for Bad and Doubtful Advances 1,217 1,747 2,150 2,870 3,462
7 Investments 76,403 86,196 95,924 110,716 134,035
8 Risk Weighted Assets(c) 62,575 74,723 78,738 79,812 73,391
9 Capital Funds (d) 14,689 16,735 19,156 21,769 25,010
10 Core Capital (Tier 1 Capital)(c) 12,550 14,608 15,575 16,477 18,229
11 Capital Base(c) 12,480 13,591 14,570 15,228 16,473
12 Deposits 90,974 103,583 117,262 133,387 151,233
Time Deposits 54,101 61,264 73,361 86,269 98,268
Savings Deposits 34,306 39,209 40,390 43,105 48,609
Demand Deposits 0 0 0 0 0
Other Deposits 2,567 3,110 3,511 4,013 4,357
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 18.9 19.2 19.2 19.1 19.1
13 Borrowings 44,838 49,428 51,637 52,443 48,630
Market Share,(%)-Sector 100.0 100.0 100.0 100.0 100.0
Industry 37.8 36.4 24.3 26.7 29.0
14 Contingencies 12,754 13,383 12,242 12,539 8,758

Earnings/Profitability, Rupees Million

15 Interest Income 17,890 20,576 22,799 27,317 27,940
16 Interest Expenses 13,137 15,203 16,590 21,236 19,935
17 Net-interest Income 4,753 5,373 6,209 6,081 8,006
18 Non-interest Income 799 1,160 1,400 1,424 2,347
Foreign Exchange Income (Net) 1 19 18 31 2
19 Non-interest Expenses 2,150 2,644 3,315 3,601 4,360
Staff Costfor Bad and Doubtful Advances
Provision 1,175 1,470 1,902 2,097 2,255
20 (Charged during the period) -4 690 768 1,183 929
21 Profit Before Tax 3,171 3,404 3,383 3,327 5,473
22 Profit After Tax 2,092 2,428 2,319 2,233 3,923
Selected Financial Performance Ratios, Percentage
1 Capital Adequacy
1.1 Core Capital (Tier 1 Capital) Adequacy Ratio 20.1 19.5 19.8 20.6 24.8
1.2 Total Capital Adequacy Ratio 19.9 18.2 18.5 19.1 22.4
1.3 Net Non-performing Advances to Capital Ratio 40.1 58.2 46.9 43.2 29.4
2 Assets Quality
2.1 Gross Non-performing Advances Ratio(a) 12.1 16.0 13.8 15.0 13.2
2.2 Specific
Net Non-performing
Provisions toAdvances Ratio(b)
Net Non-performing Loans 10.2 13.9 11.5 11.9 9.4
2.3 Ratio 17.1 15.2 19.3 23.4 32.0

3 Profitability
3.1 Return on Assets (ROA) Before Tax 2.0 2.0 1.8 1.6 2.4
3.2 Return on Assets (ROA) After Tax 1.3 1.4 1.2 1.1 1.7
3.3 Return on Equity (ROE) 14.2 15.5 12.9 10.9 16.8
3.4 Efficiency Ratio 45.8 45.9 55.0 53.4 46.4
3.5 Staff Cost to Operating Expenses 46.2 43.6 42.0 46.0 42.5
3.6 Interest Margin 3.0 3.2 3.3 2.9 3.5

4 Liquidity Indicators
4.1 Liquid Assets Ratio(e) 33.2 39.7 22.3 37.2 31.7
4.2 Credit to Deposit Ratio 64.6 69.3 68.7 61.5 54.1

* Provisional Data
(a) Net of interest in suspense.

(b) Net of interest in suspense and specific loan loss provisions.

(c) Estimated in terms of Capital Adequacy Requirement.

(d) Capital funds reported in the balance sheet.

(e) Estimated in terms of statutory liquid assets requirement.

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012*

278,095 308,781 319,415 355,215 405,922 437,536 506,672 575,956 673,737 742,532
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
22.0 21.1 17.9 16.6 16.2 16.2 16.8 16.2 15.8 14.6
94,783 106,788 101,115 138,604 167,645 178,204 189,468 211,171 272,053 318,644
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
14.1 13.1 10.1 10.7 10.9 10.9 12 11 10 10
90,620 102,628 99,070 136,818 165,659 175,719 186,417 206,320 267,365 314,104
10,878 11,073 8,936 9,317 11,290 15,875 19,685 16,731 18,435 20,387
6,715 6,913 6,892 7,531 9,304 13,391 16,634 11,880 13,746 15,846
4,163 4,160 2,045 1,786 1,986 2,485 3,050 4,851 4,689 4,541
159,859 168,885 181,232 190,031 203,721 219,417 276,379 317,100 339,922 349,032
75,469 85,540 69,791 94,421 142,287 144,739 167,884 202,270 246,606 263,880
31,378 35,160 32,674 32,776 38,069 39,729 45,267 58,251 65,420 68,980
21,450 23,079 19,572 19,589 21,364 37,006 39,594 50,483 54,569 58,105
17,349 16,530 15,117 18,709 20,816 30,359 36,875 49,297 49,800 53,985
181,206 203,280 230,979 258,920 284,609 317,985 380,984 432,606 513,813 564,077
119,503 134,554 156,045 170,944 195,808 228,149 281,460 312,964 379,347 426,578
56,871 64,307 70,949 83,335 87,762 87,372 97,910 117,316 129,843 132,271
0 0 0 0 0 0 0 0 0 0
4,832 4,419 3,985 4,641 1,039 2,464 1,614 2,327 4,623 5,228
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
19.9 18.8 18.1 17.3 16.3 16.9 17 17 17 16
53,762 58,256 43,939 49,580 65,621 57,993 54,733 56,620 68,780 77,185
100.0 100.0 100.0 100.0 100.0 100.0 100 100 100 100
28.3 27.5 15.2 12.8 14.9 12.7 14 11 11 10
10,410 11,097 11,136 2,070 1,468 1,616 2,989 4,738 5,495 7,978

31,125 30,270 30,579 37,445 46,856 57,225 65,206 62,704 64,514 76,940
18,537 16,660 18,281 23,390 33,528 45,111 49,176 40,440 39,595 53,925
12,588 13,610 12,298 14,055 13,328 12,114 16,030 22,265 24,919 23,015
2,647 2,200 2,190 1,537 3,977 7,990 9,812 15,538 6,978 7,160
0 0 2 12 4 44 -30 -41 -173 -89
5,437 6,182 5,844 7,185 7,984 9,391 10,813 11,432 13,006 15,172
2,947 3,218 3,082 3,816 4,387 5,018 5,819 5,654 6,703 8,011
1,031 981 329 579 805 1,328 1,286 1,301 343 673
8,170 7,984 7,494 6,787 6,550 6,051 11,459 20,377 15,434 12,760
6,634 5,892 4,731 3,836 3,557 2,582 6,435 14,008 10,770 9,127

28.4 27.0 28.0 20.7 15.0 25.6 23.6 25.0 22.1 22.0
23.0 19.3 21.7 19.8 14.6 21.0 22.0 24.4 20.2 20.5
21.4 19.7 21.1 21.9 23.0 26.7 30.3 20.4 21.0 23.0
11.5 10.4 8.8 6.7 6.7 8.9 10.4 7.9 6.8 6.4
7.4 6.7 7.0 5.5 5.6 7.6 8.9 5.8 5.1 5.0
38.3 37.6 22.9 19.2 17.6 15.7 15.5 29.0 25.4 22.3

3.1 2.7 2.5 2.0 1.7 1.4 2.4 3.8 2.5 1.8
2.5 2.0 1.6 1.1 0.9 0.6 1.4 2.6 1.7 1.3
22.9 17.7 15.3 11.7 10.0 6.9 15.1 27.1 17.4 13.6
43.1 44.8 54.5 44.7 47.6 51.0 40.8 30.1 41.9 49.9
43.6 46.0 38.3 53.1 54.9 53.4 53.8 49.5 51.5 52.8
4.8 4.6 4.1 4.2 3.5 2.9 3.4 4.1 4.0 3.3

60.3 69.4 69.4 63.6 61.0 61.9 71.1 74.3 65.4 61.4
52.3 52.5 43.8 53.5 58.9 56.0 49.7 48.8 52.9 56.5
2013* 2014* 2015* 2016* 2017* Q1 2018* Q2 2018*

919,325 1,087,472 1,103,174 1,203,245 1,366,206 1,406,548 1,444,807

100 100 100 100 100 100 100
15.5 15.6 13.7 13 13.3 13 13
347,117 440,670 456,961 533,230 639,706 656,520 672,754
100 100 100 100 100 100 100
10 11 10 10 9.9 10 10
341,590 434,383 453,009 528,270 633,858 650,272 665,701
32,136 41,946 29,440 24,036 27,363 32,022 33,814
26,609 35,659 25,488 19,076 21,514 25,775 26,761
5,527 6,287 3,952 4,960 5,848 6,247 7,053
470,983 533,571 534,460 535,247 567,734 579,224 590,092
282,490 345,864 321,974 388,037 434,471 460,310 475,060
70,714 77,766 62,580 61,345 73,478 81,525 82,048
58,248 69,668 53,325 52,560 55,711 58,945 60,098
52,453 64,214 53,399 59,367 65,327 70,930 71,441
617,081 709,671 764,155 846,146 974,574 1,003,308 1,032,998
467,244 523,884 548,497 611,719 718,422 740,253 766,870
143,608 179,425 211,073 230,256 253,293 260,080 256,085
0 0 0 0 0 0 0
6,229 6,361 4,585 4,171 2,859 2,975 10,042
100 100 100 100 100 100 100
15 15 14 13 13 13 13
189,887 262,011 239,431 251,251 264,616 269,295 273,638
100 100 100 100 100 100 100
19 18 14 15 16 17 17
65,532 87,005 76,100 81,724 72,757 71,346 71,355

91,633 101,076 104,537 119,795 146,119 39,315 80,587

73,606 70,214 64,428 79,225 104,965 27,990 57,080
18,027 30,862 40,109 40,570 41,154 11,325 23,507
8,801 12,072 5,781 5,334 9,013 1,520 2,959
-931 223 289 340 321 201 408
15,677 20,157 21,355 22,969 24,211 7,194 15,154
8,459 9,533 11,126 11,747 13,150 4,037 8,342
1,402 1,970 910 433 1,443 459 1,287
8,433 16,626 17,119 17,002 18,944 3,752 7,232
6,176 11,417 11,516 11,635 12,960 2,237 4,143

20.6 20.1 16.6 13.5 12.8 12.8 12.7

18.6 18.6 16.6 15.3 15.0 15.4 15.0
37.6 45.9 40.7 31.1 29.3 31.6 32.6
 9.3 9.5 6.4 4.5 4.3 4.9 5.0
7.8 8.2 5.6 3.6 3.4 4.0 4.0
17.2 15.0 13.4 20.6 21.4 19.5 20.9

1.0 1.7 1.6 1.5 1.5 1.1 1.1

0.8 1.2 1.1 1.0 1.0 0.7 0.6
8.6 15.1 20.3 18.3 19.2 12.4 10.9
60.1 49.9 50.2 51.5 49.3 57.8 59.9
54.0 47.3 52.1 51.1 54.3 56.1 55.0
2.2 3.1 3.8 3.5 3.2 3.4 3.4

80.3 77.7 68.5 61.4 61.6 60.9 59.9

56.3 62.1 59.8 63.0 65.6 65.4 65.1