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BALANCE SHEET
Rupees in 000 Notes Assets Cash and balances with treasury banks Balances with other banks Lendings to financial institutions Investments Advances Operating fixed assets Deferred tax assets Other assets Liabilities Bills payable Borrowings Deposits and other accounts Sub-ordinate loans Liabilities against assets subject to finance lease Deferred tax liabilities Other liabilities Net assets Represented By Share capital Reserves Inappropriate profit Surplus on revaluation of assets - net of tax 2009 19,385,843 8,364,261 4,614,059 67,046,033 135,034,499 9,846,440 10,036,311 254,327,446 2,945,670 19,300,163 205,970,227 5,994,900 333,925 4,833,489 239,378,374 14,949,072 5,073,467 7,182,987 886,234 13,142,688 1,806,384 14,949,072 2008 16,029,635 3,954,814 4,479,754 35,677,755 128,818,242 8,266,458 8,964,480 206,191,138 2,584,828 15,190,148 167,676,572 2,996,100 12,987 4,759,140 193,219,775 12,971,363 4,058,774 7,667,141 308,980 12,034,895 936,468 12,971,363
Profit & Loss account for the Year ended 31st Dec 2009 Rupees in 000 Notes Mark-up / return / interest earned Mark-up / return / interest expensed Net mark-up / interest income Provision against non-performing loans and advances Impairment loss on available for sale investments Provision for impairment in the value of investments Provision against reverse repo Bad debts written off directly
Net mark-up / interest income after provisions Non mark-up / interest income Fee, commission and brokerage income Dividend income Income from dealing in foreign currencies Gain on sale of investments - net 27 Unrealised (loss) / gain on revaluation of investments classified as held for trading - net Other income Total non-markup / interest income Non mark-up / interest expenses Administrative expenses Other provisions / write offs Other charges Total non-markup / interest expenses Extra ordinary / unusual items Profit before taxation Taxation current prior years deferred Profit after taxation Unappropriated profit brought forward Profit available for appropriation Basic / diluted earnings per share - Rupees
6,117,765 1,307,699 162,537 538,445 143,717 (1,918) 404,221 2,554,701 8,672,466 6,995,857 34,368 7,030,225 1,642,241 1,642,241 562,099 119,827 (147,478) 534,448 1,107,793 308,980 1,416,773 2.18
3,669,997 1,257,584 173,621 873,512 36,743 22,384 343,156 2,707,000 6,376,997 5,904,169 459 10,987 5,915,615 461,382 461,382 17,363 (50,000) 107,794 75,157 386,225 2,144,810 2,531,035 0.76
Particulars
Profit Rates
Value Plus Saving Deposits Rs. 10,000/- to Rs. 24,999/Rs. 25,000/- & above Value Plus Time Deposits Three months Six Months One Year Investment Certificates First Month Second Month Third Month
Ratio Analysis
Current Ratio
Formula:
CURRENT LIABILITIES
Calculation: Rupees in (000s)
2008 Current Assets Current liabilities Current Ratio 197924680 193219775 1.01
Graphic:
Belonging from Liquidity ratios, this ratio is mainly used to give an idea of the company's ability to pay back its short-term liabilities (debt and payables) with its short-term assets (cash, inventory, receivables). The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. So Askari Bank is currently going satisfactory at it.
Quick Ratio
Formula:
Current liabilities
Calculation: Quick Ratio (RS.000) 2008 Current Assets receivable Current liabilities RATIOS Graphic: 69106438 193219775 0.35 (RS.000) 2009 109446507 239378374 0.45
. Also Belonging from Liquidity ratio, the quick ratio is more conservative than the current ratio, a more well-known liquidity measure, because it excludes receivables from current assets. The resulting assets are therefore highly liquidized. Thus gives an idea of the company's ability to pay back its short-term liabilities (debt and payables) with its short-term most liquidized assets.
DEBT RATIO:
Formu l a:
(Rs.000) 2008
Comments:
Belonging from solvency ratios, this ratio indicates what proportion of debt a company has relative to its assets. The measure gives an idea to the leverage of the company along with the potential risks the company faces in terms of its debt-load. As the latest figure is less than 1 or 100 %, this means that Askari Bank has more assets as compared to its liabilities.
Cal cu l ati on :
Commen ts :
Belonging from profitability ratios, this ratio used to measure a company's pricing strategy and operating efficiency. Operating margin gives analysts an idea of how much a company makes (before interest and taxes) on each Currency unit of sales.
(RS. 000)
(RS. 000)
Comments: Also belonging from profitability ratios, Net Profit margin is an indicator of a company's pricing strategies and how well it controls costs. The net profit margin ratio tells us the amount of net profit a business has earned. That is, after taking account of the cost of sales, the administration costs, the selling and distributions costs and all other costs, the net profit is the profit that is left, out of which they will pay interest, tax, dividends and so on.
ROA
Commen ts :
Also belonging from profitability ratios, It is indicator of how profitable a company is relative to its total assets. ROA gives an idea as to how efficient management is at using its assets to generate earnings. The assets of the company are comprised of both debt and equity. Both of these types of financing are used to fund the operations of the company. The ROA figure gives investors an idea of how effectively the company is converting the money it has to invest into net income. The higher the ROA number, the better, because the company is earning more money on less investment.
Return on equity:
Formu l a:
(RS.000)
(RS.000)
Commen ts :
Also belonging from profitability ratios, it tells measures a corporation's profitability by revealing how much profit a company generates with the money shareholders have invested. Amount of net income returned as a percentage of shareholders equity. Return on equity.
Turnover
Cal cu l ati on :
(RS.000)
(RS.000)
2008 Net profit before tax Turnover Ratios 461 10450 4.41%
G rap hi c:
Comments: Also belonging from profitability ratios, this measure looks at a company's profits before the company has to pay corporate income tax. This measure deducts all expenses from revenue including interest expenses and operating expenses, but it leaves out the payment of tax.
(RS. 000) 2008 Market price per share EPS Price earnings ratio 14.57 0.95 15.33
G rap hi c:
Comments: Belonging to investment ratios, It is a valuation ratio of a company's current share price compared to its per-share earnings.
Total advances
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Total deposit
(RS. 000) 2008 Advances Deposits Advance to deposit ratio 128818 167677 76.82%
Graphic:
Comments: Belonging to activity ratio, it is particularly about banks that how much they have coming in (deposits) vs. how much they have going out (loans). The more money the bank has loaned out generates more interest income provided the loans are to secure borrowers But they should not exceed 100%. Do not loan out more money than they have on hand. They have to borrow from the Federal Reserve if they do.