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The Karachi Stock Exchange (Guarantee) Limited’s projected statement of financial position for the year ending December 31

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Karachi:

The Bank of Khyber

 

Rs.000Rs.000Rs.000
ProjectedProjectedProjected
201120122013
ASSETS

Notes

Cash and balances with treasury banks12,230,9272,718,8813,164,764
Balances with other banks

2

1,618,8551,781,8541,961,042
Lending to Financial institutions

3

1,152,367736,976670,006
Investments

4

23,245,60026,815,37729,829,058
Advances-net of provisions

5

27,863,86733,442,18040,601,985
Other assets

6

1,929,9062,147,5622,613,572
Operating fixed Assets

7

1,544,0991,836,0992,091,103
Deferred tax assets495,736413,090404,469

———–

———–

———–

60,081,34769,892,02681,336,978
Liabilities
Bills Payable

8

308,733329,475347,942
Borrowing from financial Institutions

9

5,366,2156,253,2906,895,682
Deposits and other accounts

10

42,945,10050,245,00059,150,000
Other liablities

11

1,438,9341,922,7632,346,091

———–

———–

———–

50,056,98258,750,52868,739,715

———–

———–

———–

10,024,36511,141,49912,596,264

———–

———–

———–

NET ASSETS
PRESENTED BY:
Paid up capital

12

8,228,0018,800,00010,000,000
Share deposit money

Reserves

13

674,782865,5801,150,473
un-appropriated profit559,046750,240689,811

———–

———–

———–

9,461,82910,415,82011,840,284
Surplus/ (deficit) on revaluation of Securities

14

582,536725,679755,980

———–

———–

———–

10,024,36511,141,49912,596,864

 

Bank of Khyber Objected Profit and Loss Account for the Year Ending December 31,

 

Notes

201120122013
Mark-up/return/interest earned

15

6,118,6987,290,4998,660,292
Mark-up/return/interest expensed

16

4,125,4814,591,4225,162,166

———–

———–

———–

Net Mark-up/Interest Income1,993,2172,699,0773,498,126
Provision for non performing loans450,000548,976657,865
Provision-Investment

100,000100,000
Reversals(350,000)(400,000)(425,000)

———–

———–

———–

100,000248,976332,865

———–

———–

———–

Net Mark-up/Interest Income after provisions1,893,2172,452,1013,165,261
Non-mark-up/Interest Income
Fee, commission and brokerage Income218,495261,345298,374
Dividend Income81,03393,197127,127
Income form dealing in foreign currencies34,41542,27546,503
Gain on sale of securities74,06785,00090,000
Specialized gain/(loss) on revaluation of Investment1,5001,5501,815
Income69,95080,00090,000

———–

———–

———–

479,460563,467663,819

———–

———–

———–

2,372,6773,015,5683,819,078
Non-Mark-up/Interest Expense
Administrative Expenses1,388,1951,592,6611,713,731
Other provisions

18,06220,000
Other charges35,00042,00050,400
Total non-mark-up/interest expanse1,423,1951,652,7231,784,131

———–

———–

———–

949,4821,362,8452,034,948
Taxation
Total Taxation(310,194)(408,854)(610,484)

———–

———–

———–

Profit/ (Loss) after taxation639,266953,9921,424,464
In appropriated profit; brought forward47,616559,048750,240

———–

———–

———–

Profit/(Loss) available for appropriation686,9041,513,0382,174,704
Transfer to statutory reserve(127,858)(190,799)(284,893)
Transfer to reserve for bonus Issue

(571,999)(1,200,000)

———–

———–

———–

559,046750,240689,811

———–

———–

———–

Basic / Diluted Earning per share1.111.191.58

 

THE BANK OF KHYBER PROJECTED RATIOS FOR THE YEAR ENDING DECEMBER 31,

 

Projected

Projected

Projected

2011

2012

2013

Cash and Bank Balances
(To Meet Or Requirements)5.19%5.41%5.35%
Investment Growth19%15%11%
Advances to Deposit65%67%69%
Groth in Advances with comodity OPR52%20%21%
Abnormal (Due to share Depsoit money)26%
Growth in advances without comodity OPR26%25%25%
Growth in Deposit16%17%18%
Rise in Borrowing85%17%10%
Return on Average Assets1.15%1.47%1.88%
Gross Interest Margin33%37%40%
Net Interest Margin31%34%37%
Non Fund Base Income8%8%8%
Administrtative Cost to Mark up Revenue23.26%22.67%20.60%
Profit Before Taxation16%19%23%
Profit After Taxation10%13%16%
Basic/Diluted: Earning Per Share1.111.191.58
Return on Equity6%11%14%
Bonus Per Shares0%7%14%
Cost of Funds
Deposit Cost8.00%7.80%7.63%
Cost of Borrowing13.35%13.30%13.60%

——-

——-

——-

Total Cost of Funds8.80%8.54%8.33%
Intermediation Cost3.30%3.04%2.85%

——-

——-

——-

Total Cost of Fund11.83%11.68%11.17%
Total Revenue of Funds14.07%14.60%15.02%

——-

——-

——-

Gross Spread Before NPL.2.24%3.03%3.85%
NPL Provisions0.21%0.49%0.57%

——-

——-

——-

Net Spread2.02%2.53%3.28%

 

For more information, contact:
Karachi Stock Exchange
Tel: +9221 111 001 122
Fax: +9221 3241 0825, +9221 3241 5136
Email: info@kse.com.pk
Web: www.kse.com.pk

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