2006

Total equity (A1 to A3)

1.Share capital
2.Reserves
3.Un appropriated profit
4.Others
B.Total liabilities(B1 to B4)
1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities
C.Total assets (C1 to C4 + C8 to C10)
1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets
D.Profit & loss account
1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation
E.Other items
1.No. of ordinary shares
2.Cash dividend
3.Stock dividend/bonus shares
4.Cash generated from operating activities
5.Commitments and contigencies
6. market price
volume
7. market Price/earning ratio (E6/F11)
8. market price/Breakup value ratio (E6/I3)
F.Efficiency ratios/profitability ratios
1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)

40,558,670
38,715,850
1,113,606
729,214
(328,557)
206,087,623
4,259,834
22,045,237
156,878,328
22,904,224
246,317,736
22,797,606
3,544,796
3,873,224
34,629,051
138,454,686
8,420,970
9,450,568
129,004,118
3,369,016
49,099,925
14,565,027
4,228,716
10,336,311
1,563,809
8,772,502
3,687,239
5,099,562
5,072,060
7,360,179
5,709,457
3,871,585
0%
0%
(3,174,000)
134,361,727

6.Net markup/interest income(after prov.) to total assets(D5/C)

7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expense to profit before tax. (D8/D9) (times)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposit C5/(B2+B3)
H.Assets quality ratios
1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)
5.Provision against NPL to NPLs (C7/C6)
I.Capital /leverage ratios
1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E5/A)
3.Break up value per share (A/E1)
4.Total deposit to total equity (B3/A) (times)
J.Cash flow ratio
1.Cash generated from opration activities to profit after tax (E4/D10) (times)

1.47

6.08%
6.83%
20.76%
16.55%
112.23%
16.47%
3.31
10.48
3.87

2007

2008

2009

2010

43,340,575
38,715,850
1,653,044
2,971,681
(274,265)
212,478,904
6,637,388
6,616,065
177,161,630
22,063,821
255,545,214
26,295,860
1,628,280
15,225,935
40,696,466
131,085,549
10,493,345
11,548,534
119,537,015
3,734,139
48,427,519

44,010,120
38,715,850
1,812,492
3,481,778
(1,252,980)
221,860,038
4,296,420
8,695,730
174,551,801
34,316,087
264,617,178
22,741,035
1,261,582
31,466,898
29,586,663
137,716,271
16,534,389
12,114,806
125,601,465
3,886,275
50,073,260

44,665,571
38,715,850
1,946,365
4,003,356
3,080,285
265,128,356
4,844,638
15,747,326
206,957,950
37,578,442
312,874,212
21,521,550
2,238,182
20,568,064
83,784,536
141,230,362
21,388,480
16,783,638
124,446,724
6,995,784
53,319,372

48,100,169
38,715,850
2,667,488
6,716,831
2,972,975
270,849,833
5,691,864
15,914,343
220,265,762
28,977,864
291,848,387
24,087,842
821,931
30,421,885
72,637,401
157,906,443
22,107,709
18,637,030
139,269,413
6,601,893
18,008,022

22,530,080
6,338,119
16,191,961
6,052,957
10,139,004
6,112,711
12,160,481
12,081,963
4,091,234
2,764,069

23,307,442
6,888,900
16,418,542
9,316,038
7,102,504
6,611,470
12,620,994
12,424,711
1,092,980
677,132

26,653,240
10,369,328
16,283,912
9,418,308
6,865,604
6,883,241
12,482,566
12,244,352
1,266,279
669,365

27,958,232
10,680,185
17,278,047
4,431,194
12,846,853
6,155,236
13,439,371
12,851,268
5,562,718
3,605,615

3,971,585
0%
0%
9,247,515
183,669,089
48.00
1,700
68.97
4.40

3,871,585
0%
0%
(12,894,580)
121,947,090
8.65
85,400
49.46
0.76

3,871,585
0%
0%
46,571,729
150,649,399
8.95
47,086
51.77
0.78

3,871,585
0%
0%
(9,969,983)
8.60
436,437
9.23
0.69

0.70

0.17

0.17

0.93

8.00%
8.81%
24.21%
52.41%
110.06%

12.01%
8.80%
37.57%
76.90%
73.27%

15.14%
11.88%
47.89%
56.12%
78.47%

14.00%
11.80%
45.96%
23.78%
84.30%

16.96%
4.24
10.91
4.09

16.63%
2.77
11.37
3.97

14.28%
3.37
11.54
4.63

16.48%
12.42
4.58

VERTICLE ANALYSIS
Total equity (A1 to A3)
1.Share capital
2.Reserves
3.Un appropriated profit
4.Others
B.Total liabilities(B1 to B4)
1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities
C.Total assets (C1 to C4 + C8 to C10)
1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5-C7)
9.Fixed assets
10.Other/misc. assets
D.Profit & loss account
1.Markup/interest earned
2.Markup/interest expensed
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation

2006
16%
16%
0%
0%
0%
84%
2%
9%
64%
9%
100%
9%
1%
2%
14%
56%
3%
4%
52%
1%
20%

2007
17%
15%
1%
1%
0%
83%
3%
3%
69%
9%
100%
10%
1%
6%
16%
51%
4%
5%
47%
1%
19%

100%
29%
71%
11%
60%
25%
35%
35%
51%
39%

100%
28%
72%
27%
45%
27%
54%
54%
18%
12%

VERTICLE ANALYSIS
2008
17%
15%
1%
1%
0%
84%
2%
3%
66%
13%
100%
9%
0%
12%
11%
52%
6%
5%
47%
1%
19%
100%
30%
70%
40%
30%
28%
54%
53%
5%
3%

2009
14%
12%
1%
1%
1%
85%
2%
5%
66%
12%
100%
7%
1%
7%
27%
45%
7%
5%
40%
2%
17%

2010
16%
13%
1%
2%
1%
93%
2%
5%
75%
10%
100%
8%
0%
10%
25%
54%
8%
6%
48%
2%
6%

100%
39%
61%
35%
26%
26%
47%
46%
5%
3%

100%
38%
62%
16%
46%
22%
48%
46%
20%
13%