Financial Ratio Analysis

Financial Ratio AnalysisRatio Analysis of BANK AL HABIB and HABIB BANK LIMITEDGROUP MEMBERS

Industry overviewTypes of banks

OUR bankCOMPANY PROFILE

6COMPANY PROFILE

VISION

mission

FINANCIAL RATIO

USES OF FINANCIAL RATIOS

TYPES OF FINANCIAL RATIOS

Profitability ratiosReturn on equity200620072008200920102011BAHL0.28470.27590.24830.23500.15520.1831HBL0.28110.19370.17200.17840.17440.2044Return on Assets200620072008200920102011BAHL0.01530.01570.01400.01160.00760.0086HBL0.02140.01340.01580.01550.01760.0195Average earning Assets200620072008200920102011BAHL98398015118623889148726889217003020264080012307371534HBL475570289561743115592382740676482904710354890857781887Net interest margin200620072008200920102011BAHL3.84%3.52%4.43%4.18%2.95%6.59%HBL6.41%5.58%6.22%6.31%6.46%6.40%Net non-interest margin200620072008200920102011BAHL-1.09%-0.87%-1.25%-1.55%-1.21%-1.23%HBL-1.86%-1.44%-1.81%-1.80%-1.81%-1.81%Equity Multiplier200620072008200920102011BAHL18.5917.6217.7920.3320.5021.38HBL13.1514.4010.9111.509.9110.49Net margin200620072008200920102011BAHL1.79%1.86%1.66%1.33%0.86%0.97%HBL2.67%1.80%1.83%1.98%2.20%2.42%Asset utilization Ratio200620072008200920102011BAHL0.02360.02230.09610.09590.07110.0814HBL0.08780.08070.10840.10100.10260.1020Earning per share200620072008200920102011BAHL4.786.013.974.682.593.37HBL18.314.4911.8314.714.1718.82MILHAN TAHIR

Liquidity ratiosCASH ASSET / TOTAL ASSET 200620072008200920102011BAHL0.09200.10180.08770.07610.07010.0684HBL0.13850.11050.13920.13921.13251.1298ANALYSIS

Investments / total Assets200620072008200920102011BAHL0.18280.24980.00170.00000.45490.6420HBL0.20130.23730.18840.25060.27620.3759ANALYSIS

Loans / total Asset200620072008200920102011BAHL0.61560.56090.70940.42430.41710.3052HBL0.58820.50970.66230.52640.49040.3913ANALYSIS

Earning Asset / total Assets200620072008200920102011BAHL0.85560.83990.83870.86870.02560.0885HBL0.80050.74920.85980.78320.80080.8063ANALYSIS

Earning Assets / deposits200620072008200920102011BAHL1.07631.03311.03001.14650.03091.0591HBL1.03581.05730.99210.99080.98510.9800ANALYSIS

Cash position indicator200620072008200920102011BAHL0.09200.10180.08770.07610.07010.0684HBL0.13850.11050.13920.13920.1730.1627ANALYSIS

Liquid Asset indicator200620072008200920102011BAHL0.26410.34730.06900.05760.51790.7043HBL0.27930.31130.27050.3430.40870.5057ANALYSIS

38Capacity ratio200620072008200920102011BAHL0.61560.56090.56510.42430.41710.3052HBL0.58820.50970.66230.52640.49040.3913ANALYSIS

40Demand deposit ratio200620072008200920102011BAHL0.79500.81300.81430.75770.82830.8357HBL0.77290.70860.86660.79040.81290.8224ANALYSIS

42NOMANA TAHIRA MALIK

RISK RATIO% of loan losses200620072008200920102011BAHL0.03%0.12%0.20%0.39%0.58%1.60%HBL0.82%2.16%1.51%1.93%1.83%1.76%Net charge off200620072008200920102011BAHL1,629110,6131,92970923,50891HBL518,932421,729187,90778116819,202796,631Non-performing loans200620072008200920102011BAHL388.263216.628862.552,067.662,943,863320,363HBL3,032.9927,692.7740,053.2249,438.2646,677.0851,313.51Net loans200620072008200920102011BAHL0.61560.56090.56510.42430.41710.3052HBL0.58820.50970.66230.52640.49040.3913Conclusion

CONCLUSION

Any QUESTIONS