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Dedication
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To my dearest parents, my family,
friends and respected teachers who motivated,
supported and encouraged me in every aspect of my life.
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Ta le of Content
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CHiTER 1 #
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Introduction to the Report
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Chapter # 2
Introduction to Banking & BankIslami:
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Introduction to Banking & BankIslami:

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2.3.6 Initial u lic Offering of BankIslami


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]2.7 Structure of BankIslami:


Board of Directors
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Human Resource & Compensation Committee
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Chapter #3
RODUCT, SERVICES & DEiRTMENT
3.1 Introduction
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: c c cc c  c c  c cc 
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c c
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Figure 3.1 BiNKISLiMI BRiNCH ORGiNIZiTIONiL CHiRT




c
Clearing Department

Remittances Department

= 
 

iccount Opening

  

Cash

  

Bills

  

Manager
c c c ccccccccccccccccCoordination
c

c
c
c
c
c

3.2 DEiRTMENTS:
   c c cc c c c
c Credit Department
c Operations Department
c Consumer Banking.

a) Credit Department
"c c  c cc cc c;c c ccc cc  c  c
2c= cc  c c2   c 
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c c c  c "c c c  
c c  c
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c c cc cc

) Operations Department:
!  c  c c c    c c  c c c  c   c c c  c
2  c c = c ( c = c 2 
c = c  c
= cc c c cc
c) Consumer Banking
2  c  
c c c ) 
c = c c c    c c    c   c
c ccc"c c cc  c c  c cc  cccc
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c
c ccc c

3.2.1 Operations Department:


   c  c c c c c  c c  c cc c  cc
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c cc

3.2.1.1 Nature of the deposits


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c  c c cc
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c c c
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a) Islami current iccounts
c c  c2 c c c c c c c cc c c c c c
c c c 

c  c c  c 2 c  c c  c c   c  c  c
@ c   cc cc@ c c c cc  c ccc  c c
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) Islami foreign current iccount


   c  c 5 
c2 c  cc  c c c c  c c c
c  c  c c c c  c  c  c  c  c
c  c
   c c c cc 
c c  c ccc cc c c c
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cc

c) Islami Bachat iccount


! c  c   c  c c c  c c  c c c  c c c c  c   c c
 
c c c  c c  c c c    c c  
c  c  c
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c  c  c c  c  
c c c ;c c  
c c  c
   c c  c  c c  c  c

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c  c  c  c c  c ;c  c  c  c c  c  c c  c  c  c
 
c2   c: c c  c  cc  c c c c ;c c


c c cc cc 
cc  c  cc c
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c =  c c c c    c c c 
c c c
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cc

d) Islami Mahana Munafa iccount


- 
cc c c
c c c c c c c c  c_c
_ c  c  c  Kc   c c c $ c  c  c A c c  c c 

c
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c c c   c c c  
c  c  c c c  c  c  c
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c cc c
c 5c c c  c c c cc cc  c  c2 c c  c
  c c
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c 5c;c c c c c
e) Islami imadni Certificate
c  c c c  c  c  c 

c  c c  c c c  c  c
2  c c c c c c c cc 
c;c c c c c
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ccc c c cc c c c c
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c  c  c c  c c
c  c c c   c  c c   c c c    c c c  c  
c c
c c  c  c c  c  c   c c c  c    c c  c c c
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c c   c   c  c  c  c  c c ;c  c  c  
c   c
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c  c


c c c c c c

3.2.1.2 Kinds of iccounts


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cc
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c # c  c
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a) Individual iccountsc
 c  c c c  c c c c c  c c c 
c  c  c

c c  c  c c  c c c    c c c  c  0c
  c cc cc   c cc  c

) Joint iccount c
" c c c c c cc c c c c ccc c  ccc
c c 
c  c c  c c ccc  c c c cc

c
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c cA c c c c
c  ccc  c cc c c c  c c cc c cc c  c
c c A c  c  c c  c 
c c  c  c  c c c  c  c c
c c ccA c c c
cc  c
c) artnership iccount
# c  c c c cc c cc  c
c)c2c: cc c

c cc  c c cc$ 2c@ c c c @ c c  c
c c  c cc   c c c  c# c  c  c c c c c c
c c c c  c
d) Minor iccountc
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c  c c  c;cc c c
cc 
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c
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c
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c   
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c c c  c "c c c  c c c  c  c  c "c
c
c c
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3.2.1.3rocedures for account opening


c c  c  c c  c c c  c c   c  c  c c c  c c  
c
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cc  c9 c c
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c  c  c c c  c c 
c c  c c c
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c c  c c  c c
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cc  c c
c c
;
c   c c c  c  c c   c c  c c  c c c  c  c
c
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c  c  c c c  c c  c 
c c  c c
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c cc"cc c
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c c c  c  c  c c   c c c  c c c  c    c
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c c
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c   c  c c c c c
c ccc  c 
c cc
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c c  c c c 
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c cc   c $ c c c   c c  c
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c 
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c c 
  c c c  c
cc c cc@ cc
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c c  c9 c c c  c c c c cc  c c c
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c
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cc  
c
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c c  c c
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2@  c  c c %7c &+c %77c  c c c @ c  c c @ c c c
  cc c c ccc@ c Gc@  cGcc c
  c cc c

cc cc c c c c   c cc
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c@    c c c c c c c c c  c
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c c A c
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3.2.2 Remittances Department


!c cc  c  c c c cc c  c c c  c  c c   c c
 c( c c ccc  c c c c  c  c c c c
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"
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c c cc c cc
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c c  c c c c c c c  c c c  c c c   c c
  
c c
) Demand Draftc
c  c c A c c c c @ c c  c c  c c c  c c c  c  c c c
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c cc  c
c   c c
ccc 
c
c c c c cc cc c cc
c==ccc cc  c c c c  c cc c  c
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c c  c c c  c  c  c c  
c  c c c c c c  c
"c 
c cccc  c cc  c ccc c c  cc
 
c  c = c  c  c c c c  c c  c c  c  c c  c
 
c c  c   c c  c c  c c c  c c 
c c  c c
 c cc  c
c) Mail Transfer
c) c   c 1)"3c c  c c = c = c  c c   c c  c c  c
 c= c= c cc c c c c c c cc==c cc  c
c  c
cc cc  c cc c c c
cc c  c c
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cc cccc  c cc  c c
c cc c  cc  cc 
d) ay Order
# c ccc c cc c c c c  c c ccA cc c
 c;c c c cc c c  c c c cc c c cc c c
 c c c  c cc c cc

3.2.3 Cash Department


2 c c  c c cc c c c"c  c ccc

c c
a) Receiptsc
2 c cc  c  c  c c
c c ccc  c c
cc c c 
ccc c
c cc c c c cc c c
c c  
c  c c c c c c c c  c c c c c c
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cc c cc c c 
cc  
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c c cc c c 
c c c c c c cc c cc
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c cc c  c  cc  c c cc c  c c"c
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c @ c  c c  c c 9 c  c  
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3.2.3.1 Kinds of cheques
  cc ccc c@ c"c c c  
c Bearer cheque:c ccc  c cc c# c cc@ c cc c c
c c ccc cc cc
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 c ccc c c cc c cc c cc@ c cc
c c c ccc
c c;
c  c c cc c
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c  c c c  c  c c c c
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cc c c c cc@ cc
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3.2.4 Credit Department


   c c c c c  
c  
c c  c c"c c c cc
c 5 
c  c c   c )    c c )    c !c  c c  
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cc c 
cc cc  
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3.2.4.1 Musharakah Financing


c)    c c A cc c c c  
c c  c cc c c
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c c c  c
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cc  c c  cc5 c  cc)    cc c cc c
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3.2.4.2 Mudara ah Financing


)    cc cc c cc c c
c c c  c c
cc c
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3.2.4.3 Working Capital Finance 1 cc  


3c
c   cc  c c c c c  c c c c c c ;c
 
c c c  c c  E E c 
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c  c  c c cc c cc c
2 ccc c c c c-c c c c c 
cCc  c cc
c 
c   c  c c " c  c  c  
E  c  
c @ c
   c c cc 
c c  c c  >c

a) Mura ahah Financing:cc


)    cc cc c ccccc cc c c
c c c cc c
"
cc Ec  
c c   c c  cc c  c@ Kc
cc2   c2  c
"c2  c
c c cc)    c c cc  c1K K3cc
c  c   c 
c )    c c    c   c c c  c  c
cccc c cc2   c2  c
c c
cc1 
c c
 c  3c c c c c
) Istisna Financing:cc
 cc c  c c c c cc cc     cc c 
 c
c c  c c c    c  c c c  c c  c  c   cc
 c cc c c E E c  ccc c1   3c c c c
 c
cc c   c cc   ccc2   c2cc c   c
 c cc cc c   c c  c
c) Salam Financing:cc
r
 cc c cccc  c c c c c  c cc c
c c  c cc; 
c c c  cc c c cc cc c c cc
c  c c c   c c c  c c c   c c c c c   c " c c
 c cr
 c c 
c c c; c c c  c c cc c  c
r
 cc  c c  c cc c 
 c c 
cc  ccc
c cc  c cc c c   cc  c
c
cc cc
" cr
 cc c  c  c c  
c c
   c  cr
 c  
c c
 c  c c  
c   c @ c c     c  
c c  
 c
  c



3.2.4.4 roject Financingc1 c c 
c3cc
   c c  c c  
Ec  
c c c     c )(c c
  c Acc c cc c c  c c
a) Ijarah:
c
c c c   c c    c c  c c c c  c c 2   c 2c c
c  c c  cc 2c cc c c c c"c cc c cc
c cc c
 ccc c
cccc cc
ccc c c
c   c c c 2c c c
c cc

c c  c c c  


c c  c c ;c c  
c c     c )(c
c  c Ac
) Diminishing Musharakah:cc
"c  c c=
c_ cc c cc c cr
_
cr

_
c  c  c c  c c c c  c # c c =
c
_ c  
c  c    c  
c  c c c c c c  c c
 
c c c 2   c 2c c c
  c   c c c 2c c    Kc
c ccc c
c ccc c=
c_ cccc cc
=
c _ c c 2c  c c  c c c c c =
c
_ c c  c c c  
c c  c c ;c c  
c c     c
)(c c   c  Ac =
c _ c c  c c  c  c c ( c : c
5 
c

3.2.5 Consumer anking


 c c c    c c  c c c c  
c "  c c - c
c")c c cccc

3.2.5.1 Online Banking


   Kc  c c c  c c %7&c  c c *6c 2c c c c  c !c
 
c c !c  
c  c  c c c %7&c  c c *6c 2c c  c
c  c c  c  c  c  c  c c  c  c c  c    c c c
   c c"c  
c ccc c c cc
c c c 
c c!c
 c >c
c 2 c= c c cc c c c c
c ( c2@ c: c  c c!c c
c  c5 c"  cc c&c!c c
c   c:@ c c c c c  c c!c c

3.2.5.2 Inter Bank Transfer Fund


= c c c c c c c c c c c c 
c c c
  c c c  c c  c1 5"3c c c c c  c ccc
 c c c")c$ cc 
cc cc c c  c c  c
cc  c$ c  c c 
c c2@ c  c c

c cc c c c
2 c c2@ c
IBFTc c c c cc cc c!c  c c c c c c c
%-c 5"c  
cc c5  
c ccc c c cc
c c c

c c 5"c >c

3.2.5.3 iTM or De it Card


cc c  c  c")=c c cc cc c c c c c c
 c$ c c cc  c c c c c  c&*c c c c c c c c
 c c c c  c c c c c  cc  c cc cc c c
")c c
cciTM Card:c
J c c c c c c c  c  c&+77c")c cc c
 cc)E$c c%E-cc
ccDe it Card:c
J c c c
 c c cE c c c  c c c',77c c cc c
c!;c$ c c

3.2.5.4 Biometric iTM


:A c c c c")c   cc   0c c")c c c
   0c!c2 cc c ; c ccc cc c c c
 c c cc9 8c c  c cE c c c  c c c 
c c c
 c c   c  c c c c 
c c c cc  cc
 c 
Oc Kc8c
 ccc E EE c 
cc")c cc c cccc#  c
c c!c2 ccc c")c c
# c c(
- c c c cc c c cc
cc cc c
c ccc c  c  cc c c c c c
c cc  c c c
c " c c2 c
c " c c(c

3.2.5.5 Lockers
-c c cc c c c c c c c c c! c c= cc- c
c c c c c c  cc 
c c cc cc&*c c
 cccAc  c c  c ccc c cc  c c c
  c c c c c c c c cJ c c  c    c c c c
 c c c  cc- c$ c c cc c  cCcc c ccc c
 c c c  cc 
c c c
5  
c ccc c c cc
c c c 
c c c c c
c #  c
c c  cCc c  cc E Kc cc
c 

c@ c c&*c c c c
c c- c   c c c c c  c  c
c ) ; c c c1*3c c   cc- c
c  c c c  c  c c c c c
c Bc cc c c- cc
c
c
c
c
c
c
Chapter #4

inalysis

4.1 Financial information:


"c   c   c cc   cc  c c >c

Ta le 4.1 Financial information


FINiNCIiL HIGLIGHTSc 2008c 2007c
cc c c þ_

c þ_

c
"  c= c c %&*.4c 66'*c
"  cc c %6746c %***.c
"  c  
Ec c ,+&4c '6,'c
"  c c c +7&7c '4,*c
  Kc:@ c c +%6&c '4*+c
 c cc cc %7&1 3c ',1 3c
: c cc %%441 3c +,'1 3c
c

Ta le 4.2 rofit &loss iccount


ROFIT/LOSS iCCOUNTc 2008c 2007c
cc c c þ_

c þ_

c
( c: c c %*,4,6c ,7&7,c
# c# c c .&6+'c '7'4*c
$c c c .'6%,c &64&&c
5c:; 
c c %*%'6c .%*,c
2 c 
c c 447++c ',6,4c
#  c c c E%'7+,c E&4'.c
!c c c +*.+c ,44&c
! 
c:; c E%7''6c E+%7+6c
#  c c ;c c E&&6%+c E%77*,c
" ;  c c c %.,&&c ,'**c
- c c ;c cc E+&6'c E'.7&c
c
Ta le 4.3 Financing made y ank
FINiNCINGSc cc 2008c 2007c
cc c c þc þc
5 
cc  c c cc cc
E)    c c c &','.',c +4%+7+c
E K c c c %4*.6.c '%44,c
E=
c)   E9 
c ,4&%*%c %.6&%'c
E=
c)   E c %*+..&6c %+.,.7+c
E
cE)    c '+.,c ,%+4c
E  c c c Ec %7+777c
E)    c c ''4.c ,,',&c
E5 
c c c &77,,*c %%&+6&c
cc c c *46,7'7c &,+6*&%c
$ccc A  c  
c %.6%*'7c %''&4%6c
5 
Ec
 c c ,,4.*,7c '66&&*7c
#  c c c 
c  
c cc cc
E c c c E%*%,4.c E&7&4+c
E/ c c c E%4&*&c E6744c
5 
Ec$cc cc 6527531c 3962867c
c
c
cc4.3 inalysis of the Report

4.3.1 Financial Statement inalysis


5  c  c  c c c  c  c c  
c c   c   c c
 c c   c c c 
  c c c c  c c  c  c   c  c c
 c c c c   c c  
c c   c 
c c  c c c

  c c  c  
c   c c c   c c c c  c
 cc"c  cc  c cc c 
c c cccc
c c  c " c  c c @ c c  c  
c  c  c c c
 c c c  c "c c  c c c c  c c   c  c c
 c c  c   c c  c"cc c  c c  
c cc
 cc cc c c

"c   c  c c   cc  ccc  


c c >c

c 2  cc c

c (  c cc

c
2  cc  c c  c  c c c c  c 0c  c cc c
c  
c    c c  c   c c c  c  c c c c
  c c  c c c c   c c c  c  c c   c c
  c c   c  c c  c c c c  c  c c
 
c c 
c
 c cc

4.3.2 Common Size inalysis


c  c c
c   c cc  c cc c   cc c
c c  c  c c c c c c  c c  c c  c   c c
 c2  cc  c c
c  c  c
c c 
c c c  c
c c 0c   c   c c   c c   c c  c
c c  c

c c cccc c  c cc
 c ccc  cc c  c
c c c c c ccc  c  cc
c

c c c c

c < c c

c 9   c c

c
a) Vertical analysis

< c  c   c  c  c c c  c  c c  c c  c  c
cc  ccc c  cc c c c cc 
c cc
c%77Ic

) Horizontal analysis
9   c  c   c  c  c c c  c  c c c c  c  c c c
 c cc c c c c%77Ic c  cc cc

"cc ccc  c c c  c cc

c
Ta le 4.4 COMMON SIZE (VERTICiL) iNiLYSIS OF BiLiNCE SHEET
iSSETSc 2007 c 2008c
2 c c  cc  c c 66%Ic %%'6Ic
  cc c c %.47Ic %%+,Ic
-
c c5  c   cc *'&Ic 7&7Ic
cc &,..Ic &,&6Ic
 c &.*&Ic '*%6Ic
! 
c ;c c .+,Ic %777Ic
= c ;c c 7,&Ic %'7Ic
!cc ++*Ic *6'Ic
"  cc %77Ic %77Ic
LIiBILITIESc cc cc
c c 7+4Ic %4+Ic
  
c 7*4Ic %&4Ic
= c c c  c ,4.,Ic ,+'.Ic
 E2  c- c ccccccEc cccccEc
!c c '++Ic *&6Ic
= c ;c c ccccccEc cccccEc
"  c c .''6Ic .&47Ic
SHiREHOLDERS EšUITYc cc cc
 c  c &&%+Ic &.,,Ic
(c cccccEc cccccEc
22B)-":=c-!c E7'%Ic E7+%Ic
"  c@ c &%4'Ic &.%*Ic
"  c c cc"  c@ c %7777Ic %7777Ic
4.3.2.1 Vertical inalysis of Balance Sheet

< c  c cc    c


c c cc cc  ccc
c  c "  c c "c  c  c c   c  c  c c c  c
   c c c c c  c ccc c"c c c c c  c
5c c c c c  c  
c c  c c c c  c "c  
c c c
cc c c  c  c cc 
cc  ccc c c"c A c
  c c c   c c c  c c  c  c c c cc  A c
;c c  c  c  c  c c c  c  
c  c  c c c
 c  c  c &77.c  c &774c !c c  c c c  c  c c  c
 c c c cc c  c c
cc Ecc c cc
 c  
c c c 
c c  Ec  c c  c c  c  
c  c
 c c c 
cc  c c c
cc c c c c
c
 cccc c c
c cc c ccc cc cc&77.c
cc c  cc c
c ccc c$ c c  c c c
 c= c  c cc c&774c$ c 
c c c  ccc cc
 c c   c c c  c "c c  c c @ c c c 
  c c

c cc c"c cc cc 
c  c&77.c c&774c cc  c
c c  c c  
c " c  
c  c  cc  c c  c @ c c @ c c
c   c c c"c cc c cccc ccc c
 cc 
  c c c c c c  cc$ c 
c cc c  0c@ c
c@ c cc  c  c&&Ic c&.Ic c  c c ccc c"c c
 c c  c c c  c c c c    c c c  c  c c
   c c ccc ccc c

c
c
c
c
c
c

Ta le 4.5 COMMON SIZE (VERTICiL) iNiLYSIS OF INCOME STiTEMENT


c 2007c 2008c
)  c( c %77Ic %77Ic
)  c:;c +7'Ic *6,+Ic
/ c# cc *6+Ic +7'*Ic
#  c c c cc*,Ic cc44+Ic
#  c c c cccccEc ccccEc
 ccc c cccccEc ccccEc
c cc*,Ic cc44+Ic
$c)  c  c **,4Ic *%*%Ic
NON-MiRKU INCOMEc c c
5c c2  c %7%'Ic .,Ic
=c  c cc'4Ic %6Ic
:; 
c c cc%,,Ic &%Ic
!c c cc%*Ic %*Ic
"  c E  c c &.44Ic *%44Ic
"  c  c ,4%7Ic +*.,Ic
NON-MiRKU EXENSEc c c
c:;c 4*&%Ic .77&Ic
!c  c cccccEc cccccEc
!c 
c 7*4Ic ccc7'Ic
"  c E  c;c 4*.%Ic .7',Ic
c c c
!cc c" ;c E%,,%Ic E%++6Ic
-!c c" ;c E,%*Ic ccE'+*Ic

4.3.2.2 Vertical inalysis of Income Statement


"c< c  c c  c c c   c c
ccc  c cc 
c c

c 
ccc cc c c  c c"cc c c 
c
ccc 0c
 c c"c c  cccc cc c c c  c
c   c ;c c   c  c  c   c  c c c  c c  c  c  cc

c c c c   c ;c  
c c c  c
 c  c "c  c c
 c c  
c c  c c  c c  
c c  c c  c  c
 
c 
c)  c;c c  c c c cc c c c c5  cc
 
ccc
 c c cc c cc 0c 
cc  
c
  c;c cc 
cc c
 c cc c
c c  c
c cc
 0c 
c c cc c c c  c c cc  c

Ta le 4.6 COMMON SIZE (HORIZiNTiL) iNiLYSIS OF INCOME STiTEMENT

cc 2006c 2007c 2008c


)  c( c %77Ic +7&Ic %',6Ic
)  c:;c %77Ic %+&.4.Ic '474+'Ic
/ c# c %77Ic &,.67Ic 4%&'+Ic
#  c c c %77Ic &.'*,.Ic %&6*'+,Ic
#  c c c Ec ccccEc ccccEc
 ccc c Ec ccccEc ccccEc
cc %77Ic &.'*'.Ic %&6*&+,Ic
$c)  c  c %77Ic &'+4.Ic ,+.+&Ic
NON-MiRKU INCOMEc cc cc cc
5c c2  c %77Ic %,4**,Ic '%,4.&Ic
=c  c %77Ic .7,%Ic E4.%.Ic
:; 
c c %77Ic %&4*4,Ic '4++4%Ic
!c c %77Ic %,''6Ic &6%.Ic
"  c E  c c %77Ic &%*6%Ic '*+*+Ic
"  c  c %77Ic &&4'6Ic +*4'6Ic
NON-MiRKU EXENSEc cc cc ccc
c:;c %77Ic &*4+,Ic ,7,+,Ic
!c  c Ec cccccEc cccccEc
!c 
c %77Ic E.+.*Ic E+44+Ic
"  c E  c;c %77Ic &&7++Ic +*67.Ic
cc cc cc cc
!cc c" ;c %77Ic %6&7+Ic +,,%,Ic
-!c c" ;c %77Ic '*'%4Ic +''+6Ic
c

4.3.2.3 Horizontal inalysis of Income Statement


9   c  c c c c cc ccc c&77,cc c c c c
  c c  c &77.c c &774c c c    c c c  c c  c &77,c c c  c  c
 ccc  c cc c c
c ccc  ccc c
c c c cc


c
ccc
Ta le 4.7 COMMON SIZE (HORIZiNTiL) iNiLYSIS OF BiLiNCE SHEET

iSSETSc 2006c 2007c 2008c


2 c c  cc  c c %7777Ic &&'6,Ic %*'*6Ic
  cc c c %7777Ic %&,&7Ic .6'.Ic
-
c c5  c   c %7777Ic E*6.7Ic E%67&6Ic
c %7777Ic +4'..Ic 4%47+Ic
 c %7777Ic &%'%*Ic +47,7Ic
! 
c ;c c %7777Ic *.4+Ic &''%%Ic
=:5:((:=c"Pc:"c %7777Ic %''''Ic .4%*4Ic
!"9:(c:"c %7777Ic E*4+'Ic E'',&Ic
"  cc %7777Ic %+6Ic &.*Ic
LIiBILITIESc cc cc cc
c c %7777Ic %,+&&Ic &'*.4Ic
  
c %7777Ic E,777Ic &6777Ic
= c c c  c %7777Ic '+4.&Ic .7%.*Ic
BE!(= $":=c-!$c Ec cccccEc cccccEc
!c c %7777Ic %7'++Ic &4*,&Ic
= c ;c c Ec cccccEc cccccEc
"  c c %7777Ic '&*+6Ic *4.+4Ic
SHiREHOLDERS EšUITYc cc cc cc
 c  c %7777Ic E*777Ic ,'6+Ic
(c Ec cccccEc cccccEc
22B)-":=c-!c %7777Ic ',&+7Ic 6.,..Ic
"  c@ c %7777Ic E*&*%Ic E%%+4%Ic
"  c c cc"  c@ c %7777Ic E47%Ic E.77*Ic

4.3.2.4 Horizontal inalysis of Balance Sheet


"c c c c ccc  c c c c c cc c
c c c+c
 c c c  c c  cc c&77,cc c c c c  c cc c&77.c
c&774c" c c
c ccc  ccc

c
c

4.4 Financial Ratio inalysis


(  c  c F c  c ;c c c c  c Fc c (  c c c   c  c c
 c c c   c c  c c  c   c 
c  c c   c c
  cc"c  c  c cc c c

4.4.1 ROFITiBILITY RiTIO


Bc c  
c  c   c c   c c
 c  c  
c c c  c  
c
  c"c c c cc c

4.4.1.1 Gross rofit Margin


/ c # c c c  c c  c c  c c
c  c / c  c c  c
 cccc  c c c 
c c c  
c;c  
c c
c  ;c c  c  c c  c / c  c  
c c c  c c  c  c  c  c c
c 
c c c
c cc c cc   c c  >c

Gross rofit Margin = Gross rofit / Sales x 100


5 c&77.c c &64&%4,7&7,7N%77Qc*6+'cIc
5 c&774cc c .'6%,7cc%*,4,44Nc%77cQc+7'&cIc
cc  c  cc  c c/ c# c) 
c cccc 
cc c&774c"c
  c cc  
c c  c c c c   c  c  c c c c  c c
  c c  c c c  c  c  c    c   c  c   c  c  c
 c c c 
c"c 
ccc
c c c 
  c cc
c cc c c c

4.4.1.2 Net rofit Margin


"c    c   c c  c  c c   c  c  c  c c  c c c ;c
 c c  c  
c  c c  c 
c
 c c  c ;c
  cc c ;c"c  cc   c c  >c

Net rofit Margin = Net Loss after Taxes / Sales x 100


5 c&77.c c E'.7&',7&7,7N%77QcE,%*Ic
5 c&774cc c E+&6'7c%*,4,44Nc%77cQcE',7Ic
c

4.4.1.3 Return on issets


"c(!c  c c c  c c  
c c c   c 
c c
c 
c   c c c c 0c c c c   c  c  c  c c
 cc

Return on issets = Net Loss/ Total issets x 100


5 c&77.c c E'.7&'%***.*.'N%77QE77&+cIc
5 c&774cc c E+&6'7c%6744,77Nc%77cQE77&.cIc
"c c cc  c c   c c
c
c" c c cc

c
 c c c cc

cc c cc
c c c c  c c c

4.4.1.4 Return on Equity


cc  c  c c  c  c c c  c( c c@ c1(!:3c cc
  0c c c c c   c cc c  c c  c  0c@ c

Return on Equity = Net Loss after Tax / Common Stockholder¶s equity x 100
5 c&77.c c E'.7&'cc'&77777N%77QcE%%+.Ic
5 c&774cc c E+&6'7c+&.6,.6cN%77QE%77&+cIc
"c (!:c c    c  
c  c c

c c  c  c   c @ c  c  c  c
 cc c

4.4.1.5 Earning er Share

=Net Income/No. of Shares Outstanding

5 c&77.c c E'.7&'cc4%6+*%%4cN%77QcE77*+&Ic
5 c&774cc c E+&6'7cc%%,''.,+*cN%77QcE77*++Ic
4.4.1.6 Operating Cost to income ratio
"c  c cc  cc
c cc cc c c 
c c c
cc
= Non-interest cost/ income
5 c&77.c c c c %*7&4%*%7%&.Q7'*&c c c c c
5 c&774cc c c c %6,%'647*.*'Q7&*'.c c c c c

c c c cc

4.4.1.7 De it to Equity Ratio


"c c  c @ c 1c c   c 
3c   c  c c ;c  c c c  c
c c c  
c c 
c   c 
c c c  c @ c   c  c  c
  cc 
cc c cc  
c c 
c cc@ c  cc
  ccc  ccc  0c@ cc cc  cccc  0c
 cc
c  cc cc c cc c  c c

De t to Equity Ratio = Total De t/ Owner¶s equity


5 c&77.c c c64.67*c'&77777cN%77Qcccc'74.&Ic
5 c&774c c ,+,.44&c+&.6,.6cN%77Qc%&*'66Ic
"cc c@ c  c c c  c'74Ic c%&*'66Ic"c  c cc
cc c
c c ccc c c cc  c ccc c
c cc@ c c c c
 c c c c c; c c c cc cc ccc c@ c  c c
 ccc c c
c
c c c 
  c cc cc c c c cc
@ c c c c ccc

4.4.1.8 De it Ratio
= total Lia ilities /Total issets

5 c&77.c c c'4**.&,cc%***.*.'cN%77Qc&,,%Ic
5 c&774cc c +%6%4&%cc%6744,77cN%77Qc&.%6Ic
"c c   c   c c    c c   c c  c c c   0c c c "c

c c   c c
 c c c  c c c  c  c 
c c c c c  c

 c cc c cc 


c c
 c c c c c c
 c c
4.4.2 Efficiency Ratio

4.4.2.1cInterest income per employee


"c  c c c c c c  cc c cccc c c
cc c c cccc c cc    c  cc cc
c
5 c&77.c c c c ,7&77,+,'Q%7,6c c
5 c&774c c c c %*,4,6%%44Q%4'
4.4.2.2 rofits per employee
c c   c cc cc
c  c cc c c c cc
 c c  cc c c c c

cc c cc  ccc
c
5 c&77.c c c c E%77*,+,'QcE7%.4*cc c c c
5 c&774c c c c E&&6%+%%44QcE7%6&4c

4.4.2.3 Business per employee


"c  c c c  c c c c
c c  c  c c c c   cc

c  c c c ;  c cc c c  cccc
c c ccc
 c
c
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