29.08.2019
 Banking Market Analysis of Pakistan via 2011-2012 Composition

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KPMG Taseer Hadi & Co.

Chartered Accountancy firm

Banking Survey 2012

Commercial Banks Operating in Pakistan

BANK & FINANCING

Banking Survey 2012

This survey has become prepared by KPMG Taseer Hadi & Co. and summarizes the performance of chosen banks in Pakistan in the past year 2012.

Banking sector in Pakistan has become divided in four types for the purpose of this survey to facilitate a comparison of peer teams. Banks with total possessions in excess of Rs. 500 billion dollars are classified as " Large Banks”, banks with total property from Rs. 101 billion to Rs. 500 billion dollars are categorised as " Medium Size Banks”, and banks with total resources up to Rs. 100 billion are classified as " Small Banks”. " Islamic Banks” have already been presented like a separate category and contained in their particular category of Medium and Small Banks based upon total assets threshold.

The data contained in this kind of survey has become obtained from the published consolidated financial claims of the banks, statistical programs and quarterly / gross annual reports published by Point out Bank of Pakistan (SBP), analysts and research reviews and info published in operation magazines and newspapers.

Reference should be made to the published financial claims of the banks and definitions included in this study to enhance the understanding of proportions and research of overall performance of a particular bank.

Relative figures for 2011 while reported inside our Banking Survey 2011 have already been updated because of inclusion of financial statements of Sindh Bank Limited and KASB Traditional bank Limited that were not component to our past survey. We have tried to present relevant economical analysis of the banks which in turn we believed would be useful for benchmarking and comparison.

Nevertheless , we pleasant any comments, which would facilitate in

improving the contents with this survey. The comments may be delivered on [email protected] com Out dated:

25 September 2013

Karachi

© 2013 KPMG Taseer Hadi & Co., a Partnership firm registered in Pakistan and a member firm of the KPMG network of independent member firms affiliated with © 2013 KPMG Taseer Hadi & KPMG Internationalfirm registered in Pakistan and a member company entity. KPMG network of independent member firms affiliated with KPMG Company., a Collaboration Cooperative (" KPMG International”), a Swiss of the Almost all rights reserved. International Cooperative (" KPMG International”), a Swiss entity. All legal rights reserved.

©© 2013 KPMG Taseer Hadi & Company., Partnership company registered inin Pakistan and member organization ofof the KPMG network of impartial member companies affiliated with KPMG 2013 KPMG Taseer Hadi & Co., a a Partnership company registered Pakistan and a a member company the KPMG network of independent member firms affiliated with KPMG Worldwide Cooperative (" KPMG International”), a Switzerland entity. All rights reserved. International Supportive (" KPMG International”), a Swiss enterprise. All legal rights reserved.

Items

At a Glance................................................................................................. 1В Summary of Financial Information.............................................................. 7В Profitability.................................................................................................. 13В Spread........................................................................................................ 17В Non-Funded Income................................................................................... 21В Personnel Costs.................................................................................................. 23В Loans and Advances.................................................................................. 27В Liquidity (Average Advances to Average Deposits)................................... 33В Deposits...................................................................................................... 37В Current and Keeping Deposits to Total Deposits (CASA)...