Financial Statements Bank Of Khyber Balance sheet (2006 to 2011) Rupees in ' 000 Assets 2006 Cash and balances with treasury banks 1,574,531 Balances with other banks 3,755,151 Lendings to financial institutions 2,493,430 Investments 8,565,483 Advances 9,219,391 Operating fixed assets 142,002 Deferred tax assets 96,288 Other assets 1,364,984 Total Assets 27,211,260 Average assets LIABILITIES Bills payable 150,435 Borrowings 4,325,809 Deposits and other accounts 19,076,564 Sub-ordinated loans - Liabilities against assets subject to finance lease - Deferred tax liabilities - Other liabilities 629,496 Share capital 2,000,949 Reserves 758,290 Unappropriated profit 103,890 Share depositor money - Surplus on revaluation of assets - net 165,827 Total liabilities 27,211,260 Income Statement ( 2007 to 2011) Rupees in ' 000 Mark-up / return / interest earned Mark-up / return / interest expensed Net mark-up / interest income Provision against non-performing loans and advances Provision for diminution in the value of investments Bad debts written off directly Net Mark-up / interest income after provisions
Bank of Khyber
Nov 03, 2014
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Financial Statements
Bank Of Khyber
Balance sheet (2006 to 2011)
Rupees in ' 000Assets 2006 2007Cash and balances with treasury banks 1,574,531 1,364,853Balances with other banks 3,755,151 3,728,016Lendings to financial institutions 2,493,430 2,858,000Investments 8,565,483 8,903,110Advances 9,219,391 10,085,640Operating fixed assets 142,002 213,025Deferred tax assets 96,288 63,644Other assets 1,364,984 -Total Assets 27,211,260 29,711,932Average assets 28,461,596 LIABILITIESBills payable 150,435 348,952Borrowings 4,325,809 1,321,396Deposits and other accounts 19,076,564 21,410,828Sub-ordinated loans - 0Liabilities against assets subject to finance lease - 0Deferred tax liabilities - 0Other liabilities 629,496 782,311Share capital 2,000,949 4,002,984Reserves 758,290 1,317,520Unappropriated profit 103,890 219,964Share depositor money - 0Surplus on revaluation of assets - net 165,827 307,977Total liabilities 27,211,260 29,711,932
Income Statement ( 2007 to 2011)Rupees in ' 000
2007Mark-up / return / interest earned 2,380,380Mark-up / return / interest expensed 1,845,360Net mark-up / interest income 535,020Provision against non-performing loans and advances 655,624Provision for diminution in the value of investments 3,700Bad debts written off directly 60
659,384Net Mark-up / interest income after provisions -124,364
NON MARK-UP/INTEREST INCOMEFee, Commission and brokerage income 78,790Dividend Income 126,878Income from dealing in foreign currencies 14,856(Loss) / gain on sale of securities 433,333Unrealized gain / (loss) on revaluation of investmentsclassified as held for trading -6,990Other income 98,685Total non-markup/interest Income 745,552
621,188NON MARK-UP/INTEREST EXPENSESAdministrative expenses 522,723Other provisions / write offs 0Other charges 21,040Total non-markup/interest expenses 543,763
77,425Extra ordinary / unusual items 0PROFIT BEFORE TAXATION 77,425Taxation current 18,246Prior years 0Deferred -154,072
-135,826PROFIT AFTER TAXATION 213,251Unappropriated profit brought forward 49,363Profit available for appropriation 262,614Basic earnings per share 0.43Diluted earnings per share 0.43
Financial Highlights
2006 2007Total equity 2,925,066 5,628,481 Average total equity 4,276,774 Total revenue 3,125,932 Total expense 3,048,507
###
2008 2009 2010 20111,557,715 1,542,102 2,802,781 5,080,5213,362,946 2,403,698 1,527,561 1,501,8832,282,494 1,810,846 1,800,566 2,562,0938,985,441 17,925,911 36,684,689 19,852,730
12,643,814 11,835,962 22,287,799 18,238,333187,589 1,013,670 1,301,822 1,121,554396,673 456,420 255,090 443,320
- 1,821,961 1,764,158 1,993,86931,338,989 38,810,570 68,424,466 50,794,303
30,525,461 35,074,780 53,617,518 59,609,385
122,516 229,973 281,292 280,665910,691 5,147,036 10,391,732 2,894,759
24,732,195 26,285,794 45,548,423 36,981,3510 0 0 00 0 0 00 0 0 0
892,371 1,185,470 1,837,525 1,237,1554,002,984 5,004,001 8,228,001 5,004,0011,436,359 435,342 722,501 548,039
238,473 -398,710 749,925 52,0790 224,000 3,224,000
-996,600 697,664 665,067 572,25431,338,989 38,810,570 68,424,466 50,794,303
2008 2009 2010 20112,958,865 3,390,014 4,207,155 6,946,8271,897,816 2,390,388 2,925,066 4,551,9421,061,049 999,626 1,282,089 2,394,885
192,919 659,758 48,916 42,09245,674 602,061 -371,682 202,532
0 0 0 0238,593 1,261,819 -322,766 244,624822,456 -262,193 1,604,855 2,150,261
96,413 127,123 172,565 232,828150,360 117,458 74,848 223,114
32,926 3,371 30,761 56,285-570 67,148 -285,934 169,383
0 -1,294 1,431 -16,74260,626 69,896 66,006 65,142
339,755 383,702 59,677 730,0101,162,211 121,509 1,664,532 2,880,271
654,869 719,453 943,680 1,468,480264,324 185,500 -5,705 87,970
37,122 15,326 13,416 38,363956,315 920,279 951,391 1,594,813205,896 -798,770 713,141 1,285,458
0 0 0 0205,896 -798,770 713,141 1,285,458
18,975 75,292 89,631 271,5500 0 2,040 26,306
-49,573 -236,879 57,984 115,29468,548 -161,587 149655 413,150
137,348 -637,183 563,486 872,308128,595 238,473 -398,710 52,079265,943 -398,710 164,776 924,387
0.27 -1.27 1.13 1.410.27 -1.27 1.13 1.41
2008 2009 2010 2011 4,442,743 6,361,007 9,615,569 9,348,294 5,035,612 5,401,875 7,988,288 9,481,932 3,298,620 3,773,716 4,266,832 7,676,837 3,092,724 4,572,486 3,553,691 6,391,379
Quantitative Analysis
Financial Statement Analysis
Bank Of Khyber
Balance Sheet Analysis
Vertical Analysis
Assets 2006Cash and balances with treasury banks 5.7863%Balances with other banks 13.8000%Lendings to financial institutions 9.1632%Investments 31.4777%Advances 33.8808%Operating fixed assets 0.5219%Deferred tax assets 0.3539%Other assets 5.0162%Total assets 100.0000%
LiabilitiesBills payable 0.5528%Borrowings 15.8971%Deposits and other accounts 70.1054%Sub-ordinated loans 0.0000%Liabilities against assets subject to finance lease 0.0000%Deferred tax liabilities 0.0000%Other liabilities 2.3134%Share capital 7.3534%Reserves 2.7867%Unappropriated profit 0.3818%Advances against share subscription 0.0000%(Deficit) / surplus on revaluation of assets 0.6094%Total liabilities 100.0000%
Ratio Analysis
Cash to total asset ratioCredit asset ratioNon deposit borrowing ratio
Income Statements (2007 to 2011)
Vertical Analysis
Mark-up / return / interest earned Mark-up / return / interest expensed Net mark-up / interest incomeProvision against non-performing loans and advancesProvision for diminution in the value of investments Bad debts written off directly
Net Mark-up / interest income after provisionsNON MARK-UP/INTEREST INCOMEFee, Commission and brokerage incomeDividend Income Income from dealing in foreign currencies(Loss) / gain on sale of securitiesUnrealized gain / (loss) on revaluation of investmentsclassified as held for trading Other income Total non-markup/interest Income
NON MARK-UP/INTEREST EXPENSESAdministrative expenses Other provisions / write offs Other charges Total non-markup/interest expenses
Extra ordinary / unusual items PROFIT BEFORE TAXATIONTaxation currentPrior yearsDeferred
PROFIT AFTER TAXATION
Ratio Analysis
Overhead ratio
Dupont Analytical Approach
Bank Of Khyber
Return on equityReturn on assetEquity multiplier
Asset utilizationExpense ratioYield on assetNon interest incomeInterest expensenon interest expenseProvision rateTaxPremium margin
2007 2008 2009 2010 2011 Average4.5936% 4.9705% 3.9734% 4.0962% 10.0021% 5.6529%
12.5472% 10.7309% 6.1934% 2.2325% 2.9568% 6.6098%9.6190% 7.2832% 4.6659% 2.6315% 5.0441% 5.6061%
29.9648% 28.6718% 46.1882% 53.6134% 39.0846% 40.9748%33.9447% 40.3453% 30.4967% 32.5729% 35.9063% 34.2322%
0.7170% 0.5986% 2.6118% 1.9026% 2.2080% 1.6158%0.2142% 1.2657% 1.1760% 0.3728% 0.8728% 0.6949%0.0000% 0.0000% 4.6945% 2.5783% 3.9254% 4.2297%
100.0000% 100.0000% 100.0000% 100.0000% 100.0000% 100.0000%
1.1745% 0.3909% 0.5926% 0.4111% 0.5526% 0.5740%4.4474% 2.9059% 13.2619% 15.1872% 5.6990% 10.1471%
72.0614% 78.9183% 67.7284% 66.5675% 72.8061% 70.6623%0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%2.6330% 2.8475% 3.0545% 2.6855% 2.4356% 2.6653%
13.4726% 12.7732% 12.8934% 12.0249% 9.8515% 11.4673%4.4343% 4.5833% 1.1217% 1.0559% 1.0789% 2.1186%0.7403% 0.7609% -1.0273% 1.0960% 0.1025% 0.3921%0.0000% 0.0000% 0.5772% 0.0000% 6.3472% 4.1999%1.0365% -3.1801% 1.7976% 0.9720% 1.1266% 0.5734%
100.0000% 100.0000% 100.0000% 100.0000% 100.0000% 100.0000%
2007 2008 2009 2010 2011 Average4.5936% 4.9705% 3.9734% 4.0962% 10.0021% 5.6363%
43.5638% 47.6286% 35.1626% 35.2043% 40.9503% 39.8383%4.4474% 2.9059% 13.2619% 15.1872% 5.6990% 10.1417%
2007 2008 2009 2010 2011 Average76.1494% 89.7001% 89.8323% 98.6014% 90.4907% 89.7990%59.0339% 57.5336% 63.3431% 68.5536% 59.2945% 61.4697%17.1155% 32.1665% 26.4892% 30.0478% 31.1962% 28.3294%20.9737% 5.8485% 17.4830% 1.1464% 0.5483% 7.2230%
0.1184% 1.3846% 15.9541% -8.7110% 2.6382% 2.1782%0.0019% 0.0000% 0.0000% 0.0000% 0.0000% 0.0003%
21.0940% 7.2331% 33.4370% -7.5645% 3.1865% 9.4014%-3.9785% 24.9333% -6.9479% 37.6123% 28.0097% 18.9280%0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%2.5205% 2.9228% 3.3686% 4.0443% 3.0329% 3.1963%4.0589% 4.5583% 3.1125% 1.7542% 2.9063% 3.1283%0.4753% 0.9982% 0.0893% 0.7209% 0.7332% 0.6242%
13.8625% -0.0173% 1.7794% -6.7013% 2.2064% 1.7314%0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%
-0.2236% 0.0000% -0.0343% 0.0335% -0.2181% -0.1066%3.1570% 1.8379% 1.8522% 1.5470% 0.8486% 1.6275%
23.8506% 10.2999% 10.1677% 1.3986% 9.5093% 10.2010%19.8721% 35.2332% 3.2199% 39.0110% 37.5190% 29.1289%
0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%16.7221% 19.8528% 19.0648% 22.1166% 19.1287% 19.4617%
0.0000% 8.0132% 4.9156% -0.1337% 1.1459% 2.4031%0.6731% 1.1254% 0.4061% 0.3144% 0.4997% 0.5657%
17.3952% 28.9914% 24.3865% 22.2974% 20.7744% 22.4306%2.4769% 6.2419% -21.1667% 16.7136% 16.7446% 6.6984%0.0000% 0.0000% 0.0000% 0.0000% 0.0000% 0.0000%2.4769% 6.2419% -21.1667% 16.7136% 16.7446% 6.6984%0.5837% 0.5752% 1.9952% 2.1006% 3.5373% 2.1394%0.0000% 0.0000% 0.0000% 0.0478% 0.3427% 0.1280%
-4.9288% -1.5028% -6.2771% 1.3589% 1.5018% -1.2070%-4.3451% 2.0781% -4.2819% 3.5074% 5.3818% 1.5082%6.8220% 4.1638% -16.8848% 13.2062% 11.3629% 5.1902%
2007 2008 2009 2010 2011 Average137.1097% 35.5275% 41.6941% 6.2726% 45.7740% 45.4781%
2007 2008 2009 2010 20114.9863% 2.7275% -11.7956% 7.0539% 9.1997%0.7493% 0.4499% -1.8166% 1.0509% 1.4634%
6.6549 6.0619 6.4931 6.7120 6.2866
0.1098 0.1081 0.1076 0.0796 0.12880.1071 0.1013 0.1304 0.0663 0.10720.0836 0.0969 0.0967 0.0785 0.11650.0262 0.0111 0.0109 0.0011 0.01220.0648 0.0622 0.0682 0.0546 0.07640.0262 0.0111 0.0109 0.0011 0.01220.0232 0.0078 0.0360 -0.0060 0.0041
-0.0048 0.0022 -0.0046 0.0028 0.00690.0682 0.0416 -0.1688 0.1321 0.1136
Tabular Representation
Bank Of Khyber
Financial Statements
Balance Sheet Ratios
Ratios2007 2008
Cash to total asset ratio 4.5936% 4.9705%
Credit asset ratio 43.5638% 47.6286%
Non deposit borrowing ratio 4.4474% 2.9059%
Income Statement Ratios
Ratios 2007 2008
Overhead ratio 137.1097% 35.5275%
Dupont Ratios
YearsRatios 2007 2008 2009 2010Return on equity 4.9863% 2.7275% -11.7956% 7.0539%
Return on asset 0.7493% 0.4499% -1.8166% 1.0509%
Equity multiplier 6.6549 6.0619 6.4931 6.7120
Asset utilization 0.1098 0.1081 0.1076 0.0796
Expense ratio 0.1071 0.1013 0.1304 0.0663
Yield on asset 0.0836 0.0969 0.0967 0.0785
Non interest income 0.0262 0.0111 0.0109 0.0011
Interest expense 0.0648 0.0622 0.0682 0.0546
non interest expense 0.0262 0.0111 0.0109 0.0011
Provision rate 0.0232 0.0078 0.0360 -0.0060
Tax -0.0048 0.0022 -0.0046 0.0028
Premium margin 0.0682 0.0416 -0.1688 0.1321
Years
2009 2010 2011 Average
3.9734% 4.0962% 10.0021% 5.6363%
35.1626% 35.2043% 40.9503% 39.8383%
13.2619% 15.1872% 5.6990% 10.1471%
Years
2009 2010 2011 Average
41.6941% 6.2726% 45.7740% 45.4781%
2011 Average9.1997% 2.4344%
1.4634% 0.3794%
6.2866 6.4417
0.1288 0.1068
0.1072 0.1025
0.1165 0.0944
0.0122 0.0123
0.0764 0.0652
0.0122 0.0123
0.0041 0.0130
0.0069 0.0005
0.1136 0.0373
Graphical Representation
Bank Of Khyber
Financial Statements
Balance Sheet Graphs
2007 2008 2009 2010 2011 Average0.0000%
2.0000%
4.0000%
6.0000%
8.0000%
10.0000%
12.0000%
4.5936% 4.9705%3.9734% 4.0962%
10.0021%
5.6363%
Cash To Total Asset Ratio
Cash to total asset ratio
Years
Rate
5.65% 6.61%
5.61%
40.97%
34.23%
1.62% 0.69% 4.23%
Components Of Assets in %
Cash and balances with treasury banks
Balances with other banks
Lendings to financial institutions Investments Advances Operating fixed assets Deferred tax assets Other assets
0.57% 10.15%
70.66%
2.67% 11.47%
2.12% 0.39% 4.20% 0.57%Components Of Liabilities in %
Bills payable Borrowings Deposits and other accounts Sub-ordinated loansLiabilities against assets subject to finance lease
Deferred tax liabilities
Other liabilities Share capitalReserves Unappropriated profit Advances against share subscription (Deficit) / surplus on revaluation of
assets
Income Statement Graphs
2007 2008 2009 2010 2011 Average0.0000%
2.0000%
4.0000%
6.0000%
8.0000%
10.0000%
12.0000%
4.5936% 4.9705%3.9734% 4.0962%
10.0021%
5.6363%
Cash To Total Asset Ratio
Cash to total asset ratio
Years
Rate
2007 2008 2009 2010 2011 Average0.0000%
10.0000%
20.0000%
30.0000%
40.0000%
50.0000%
60.0000%
43.5638%47.6286%
35.1626% 35.2043%40.9503% 39.8383%
Credit Asset Ratio
Credit asset ratio
Years
Rate
2007 2008 2009 2010 2011 Average0.0000%2.0000%4.0000%6.0000%8.0000%
10.0000%12.0000%14.0000%16.0000%
4.4474%2.9059%
13.2619%15.1872%
5.6990%
10.1417%
Non Deposit Borrowing Ratio
Non deposit borrowing ratio
Years
Rate
88%
12%
Revenue = Yeild on asset + non interest income
Yield on assetNon interest incomeYield on assetNon interest incomeYield on assetNon interest income
88%
12%
Revenue = Yeild On Asset + Non Interest Income
Yield on assetNon interest income
88%
12%
Revenue = Yeild on asset + non interest income
Yield on assetNon interest incomeYield on assetNon interest incomeYield on assetNon interest income
64%
24%
13%
Expense = Interest Expense+ Non Interest Expense + Provisions
Interest expensenon interest expenseProvision rate
2007 2008 2009 2010 2011 Average0%
20%40%60%80%
100%120%140%160%
137.1097%
35.5275% 41.6941%
6.2726%
45.7740% 45.4781%
Overhead Ratio
Overhead ratio
Years
Rate
88%
12%
Revenue = Yeild On Asset + Non Interest Income
Yield on assetNon interest income
Dupont Graph
2007 2008 2009 2010 2011 Average
-0.15
-0.1
-0.05
0
0.05
0.1
0.15
4.9863%2.7275%
-11.7956%
7.0539%9.1997%
2.4344%
Return On Equity
ROE
Years
Rate
2007 2008 2009 2010 2011 Average
-0.02
-0.015
-0.01
-0.005
0
0.005
0.01
0.015
0.02
0.7493%0.4499%
-1.8166%
1.0509%1.4634%
0.3794%
Return On Assets
ROA
Years
Rate
2007 2008 2009 2010 2011 Average5.6
5.8
6
6.2
6.4
6.6
6.86.6549
6.0619
6.4931
6.7120
6.2866
6.4417
Equity Multiplier
Equity multiplier
Years
Rate
2007 2008 2009 2010 2011 Average5.6
5.8
6
6.2
6.4
6.6
6.86.6549
6.0619
6.4931
6.7120
6.2866
6.4417
Equity Multiplier
Equity multiplier
Years
Rate
2007 2008 2009 2010 2011 Average0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
0.1098 0.1081 0.1076
0.0796
0.1288
0.1068
Asset Utilization
Asset utilization
Years
Rate
2007 2008 2009 2010 2011 Average0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
0.08360.0969 0.0967
0.0785
0.1165
0.0944
Yield On Asset
Yield on asset
Years
Rate
2007 2008 2009 2010 2011 Average0
0.010.020.030.040.050.060.070.080.09
0.0648 0.06220.0682
0.0546
0.0764
0.0652
Interest expense
Interest expense
Years
Rate
2007 2008 2009 2010 2011 Average0
0.010.020.030.040.050.060.070.080.09
0.0648 0.06220.0682
0.0546
0.0764
0.0652
Interest expense
Interest expense
Years
Rate
2007 2008 2009 2010 2011 Average0
0.005
0.01
0.015
0.02
0.025
0.030.0262
0.0111 0.0109
0.0011
0.0122 0.0123
Non Interest Income
Non interest income
Years
Rate
2007 2008 2009 2010 2011 Average0
0.005
0.01
0.015
0.02
0.025
0.03
0.035
0.0191
0.0313
0.0262
0.0177
0.02680.0242
Non Interest Expense
non interest expense
Years
Rate
2007 2008 2009 2010 2011 Average
-0.01-0.005
00.005
0.010.015
0.020.025
0.030.035
0.04
0.0232
0.0078
0.0360
-0.0060
0.0041
0.0130
Provision Rate
Provision rate
Years
Rate
2007 2008 2009 2010 2011 Average
-0.01-0.005
00.005
0.010.015
0.020.025
0.030.035
0.04
0.0232
0.0078
0.0360
-0.0060
0.0041
0.0130
Provision Rate
Provision rate
Years
Rate
2007 2008 2009 2010 2011 Average
-0.006
-0.004
-0.002
0
0.002
0.004
0.006
0.008
-0.0048
0.0022
-0.0046
0.0028
0.0069
0.0005
Tax
Tax
Years
Rate
2007 2008 2009 2010 2011 Average
-0.2
-0.15
-0.1
-0.05
0
0.05
0.1
0.15
0.06820.0416
-0.1688
0.13210.1136
0.0373
Premium Margin
Profit margin
Years
Rate
2007 2008 2009 2010 2011 Average0.0000%
2.0000%
4.0000%
6.0000%
8.0000%
10.0000%
12.0000%
4.5936% 4.9705%3.9734% 4.0962%
10.0021%
5.6363%
Cash To Total Asset Ratio
Cash to total asset ratio
Years
Rate
5.65% 6.61%
5.61%
40.97%
34.23%
1.62% 0.69% 4.23%
Components Of Assets in %
Cash and balances with treasury banks
Balances with other banks
Lendings to financial institutions Investments Advances Operating fixed assets Deferred tax assets Other assets
0.57% 10.15%
70.66%
2.67% 11.47%
2.12% 0.39% 4.20% 0.57%Components Of Liabilities in %
Bills payable Borrowings Deposits and other accounts Sub-ordinated loansLiabilities against assets subject to finance lease
Deferred tax liabilities
Other liabilities Share capitalReserves Unappropriated profit Advances against share subscription (Deficit) / surplus on revaluation of
assets
2007 2008 2009 2010 2011 Average0.0000%
2.0000%
4.0000%
6.0000%
8.0000%
10.0000%
12.0000%
4.5936% 4.9705%3.9734% 4.0962%
10.0021%
5.6363%
Cash To Total Asset Ratio
Cash to total asset ratio
Years
Rate
2007 2008 2009 2010 2011 Average0.0000%
10.0000%
20.0000%
30.0000%
40.0000%
50.0000%
60.0000%
43.5638%47.6286%
35.1626% 35.2043%40.9503% 39.8383%
Credit Asset Ratio
Credit asset ratio
Years
Rate
2007 2008 2009 2010 2011 Average0.0000%2.0000%4.0000%6.0000%8.0000%
10.0000%12.0000%14.0000%16.0000%
4.4474%2.9059%
13.2619%15.1872%
5.6990%
10.1417%
Non Deposit Borrowing Ratio
Non deposit borrowing ratio
Years
Rate
88%
12%
Revenue = Yeild on asset + non interest income
Yield on assetNon interest incomeYield on assetNon interest incomeYield on assetNon interest income
88%
12%
Revenue = Yeild On Asset + Non Interest Income
Yield on assetNon interest income
88%
12%
Revenue = Yeild on asset + non interest income
Yield on assetNon interest incomeYield on assetNon interest incomeYield on assetNon interest income
64%
24%
13%
Expense = Interest Expense+ Non Interest Expense + Provisions
Interest expensenon interest expenseProvision rate
2007 2008 2009 2010 2011 Average0%
20%40%60%80%
100%120%140%160%
137.1097%
35.5275% 41.6941%
6.2726%
45.7740% 45.4781%
Overhead Ratio
Overhead ratio
Years
Rate
88%
12%
Revenue = Yeild On Asset + Non Interest Income
Yield on assetNon interest income
2007 2008 2009 2010 2011 Average
-0.15
-0.1
-0.05
0
0.05
0.1
0.15
4.9863%2.7275%
-11.7956%
7.0539%9.1997%
2.4344%
Return On Equity
ROE
Years
Rate
2007 2008 2009 2010 2011 Average
-0.02
-0.015
-0.01
-0.005
0
0.005
0.01
0.015
0.02
0.7493%0.4499%
-1.8166%
1.0509%1.4634%
0.3794%
Return On Assets
ROA
Years
Rate
2007 2008 2009 2010 2011 Average5.6
5.8
6
6.2
6.4
6.6
6.86.6549
6.0619
6.4931
6.7120
6.2866
6.4417
Equity Multiplier
Equity multiplier
Years
Rate
2007 2008 2009 2010 2011 Average5.6
5.8
6
6.2
6.4
6.6
6.86.6549
6.0619
6.4931
6.7120
6.2866
6.4417
Equity Multiplier
Equity multiplier
Years
Rate
2007 2008 2009 2010 2011 Average0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
0.1098 0.1081 0.1076
0.0796
0.1288
0.1068
Asset Utilization
Asset utilization
Years
Rate
2007 2008 2009 2010 2011 Average0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
0.08360.0969 0.0967
0.0785
0.1165
0.0944
Yield On Asset
Yield on asset
Years
Rate
2007 2008 2009 2010 2011 Average0
0.010.020.030.040.050.060.070.080.09
0.0648 0.06220.0682
0.0546
0.0764
0.0652
Interest expense
Interest expense
Years
Rate
2007 2008 2009 2010 2011 Average0
0.010.020.030.040.050.060.070.080.09
0.0648 0.06220.0682
0.0546
0.0764
0.0652
Interest expense
Interest expense
Years
Rate
2007 2008 2009 2010 2011 Average0
0.005
0.01
0.015
0.02
0.025
0.030.0262
0.0111 0.0109
0.0011
0.0122 0.0123
Non Interest Income
Non interest income
Years
Rate
2007 2008 2009 2010 2011 Average0
0.005
0.01
0.015
0.02
0.025
0.03
0.035
0.0191
0.0313
0.0262
0.0177
0.02680.0242
Non Interest Expense
non interest expense
Years
Rate
2007 2008 2009 2010 2011 Average
-0.01-0.005
00.005
0.010.015
0.020.025
0.030.035
0.04
0.0232
0.0078
0.0360
-0.0060
0.0041
0.0130
Provision Rate
Provision rate
Years
Rate
2007 2008 2009 2010 2011 Average
-0.01-0.005
00.005
0.010.015
0.020.025
0.030.035
0.04
0.0232
0.0078
0.0360
-0.0060
0.0041
0.0130
Provision Rate
Provision rate
Years
Rate
2007 2008 2009 2010 2011 Average
-0.006
-0.004
-0.002
0
0.002
0.004
0.006
0.008
-0.0048
0.0022
-0.0046
0.0028
0.0069
0.0005
Tax
Tax
Years
Rate
2007 2008 2009 2010 2011 Average
-0.2
-0.15
-0.1
-0.05
0
0.05
0.1
0.15
0.06820.0416
-0.1688
0.13210.1136
0.0373
Premium Margin
Profit margin
Years
Rate
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