ANALYSIS OF A BANK

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Contents
• Introduction
• Pattern of Shareholding
• Mission Statement
• Award & Recognition
• Corporate Information
• Askari Bank’s Presence
• Change
• Management
• Business & Operations
• Financial Review
• Ratio Analysis
• Comparative Analysis

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 Bank’s Head Office

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Past Present
16 Years of Banking

• Incorporated in Pakistan on October 09, 1991,

as a Public Limited Company.
• Commenced operations on April 01, 1992.
• Listed on Karachi, Lahore & Islamabad Stock
Exchange.
• Shared network of over 1,400 on-line ATMs
covering all major cities in Pakistan.

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Mission

To be leading Private Sector Bank in Pakistan

with an International Presence, delivering
quality service through Innovative Technology
and effective HRM, maintaining High Ethical
and Professional Standards.

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Pattern of Shareholding
Particulars Shares Held %
Army Welfare Trust 94,574,143 47.18
NIT 15,192,691 7.58
ICP 8,535 0.00
Directors & Chief Executive 6,384 0.00
M Afzal Munif 627,599 0.31
Executives of the Bank 22,239 0.01
DFI’s, NBFC’ etc 35,722,397 17.83
Individuals 46,666,485 23.29
Others 7,612,766 3.80
200,433,239 100.00
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Entity Ratings

Rated by PACRA

• Long Term AA

• Short Term A1+

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Awards & Recognition

• Corporate Excellence
• Bank of First Choice
• Best Retail Bank in Pakistan
• Annual Report for the year

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Corporate Information

Board of Directors
• Lt Gen Waseem Ahmed Lt Gen ® Zarrar Azim
• Brig ® M Shiraz Baig Brig ® Asmat Ullah Khan
• Mr. Kashif Mateen Ansari Mr. Zafar Alam Khan
• Mr. M Afzal Munif Mr. M Najam Ali
• Mr. Tariq Iqbal Khan Mr. Shehryar Ahmed
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Askari Bank’s Presence

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Change

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 Why Change

Culture of pleasing ones Superior

State of confusion and disarray

State of Stagnation

High Powered vehicle with one tire stuck 13

 What Change
Effective Teamwork

Co-operate & move forward in the same direction

Key Player in the Banking Industry

Challenging & Dynamic Environment 14

Identifying Areas of Change
Change took place in the following areas:
• Organizational Structure
• Communication
• Human Resources
• Information Technology
• Brand
• Service
• Product
• Infrastructure/ Premises

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Organizational Structure

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Business &
Operations

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Corporate Banking

• Working Capital Financing

• Loan Syndication
• Equity Financing
• Debt swaps

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Corporate Banking Segment Wise
Exposure

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Investment Banking

• Advisory Services
• Debt Capital Markets
• Capital raising
• Trading activity

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Retail Banking
• Atm/ credit card
• Mortgage finance
• Business finance
• Personal finance
• Smart cash
• Auto loans
• On-line utility bill
• RTC’s

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Retail Portfolio

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Retail Banking Advances
Rs in Billion

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Treasury & International Banking

• Fcy accounts
• Import & export
• Traveler cheques
• Foreign remittance

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Cash, Short Term Placements & Govt.
Bonds
Rs in Billion

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Imports Exports
Rs in Billion

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Advances & Credit

• Term loans
• Cheque purchase
• Letters of credit
• Guarantees
• Running finance
• Pre-post shipment
• Fcy/ Lcy financing

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Advances Portfolio

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Distribution of Funded O/s Advances

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Advances by Sector

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Agriculture Banking

• Ever green finance

• Tractor finance
• Farm mechanization finance
• Aab pashi finance
• Farm transport finance
• Dairy farm scheme

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Askari Islamic Banking
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Askari Islamic Banking
• launched in 2006
• 06 branches in major cities
• halal banking solutions
• areas include
• Islamic corporate banking
• Islamic investment banking
• Islamic trade finance
• Islamic general banking
• Islamic consumer banking

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An Era of Performance Rs in Million

Profitability) 2002 2003 2004 2005 2006

Total Income 5,704 5,028 6,121 10,333 14,736
Interest Income 4,858 4,074 4,487 8,781 12,597
Non-Interest Income 846 954 1,634 1,552 2,139
Profit after Taxation 687 1,103 1,923 2,022 2,250
Shareholders' Fund
Shareholders' Funds 4,173 5,047 6,016 8,813 11,053
Liabilities
Customer Deposits 51,732 61,657 83,319 118,795 131,839
Refinance Borrowings 3,392 7,329 9,777 9,778 13,378
Subordinated Loans - - 1,000 3,000 2,999
Other Liabilities 11,016 11,354 7,055 4,714 6,764
Assets
Advances 30,035 44,778 69,838 85,977 99,179
Investments 26,737 22,104 17,239 25,708 28,626
Ratios
ROE 20.3 23.9 34.8 27.7 22.6
ROA 1.1 1.4 2.0 1.6 1.4
EPS 6.32 9.66 15.31 13.42 11.23
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Financial Highlights 2007

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Balance Sheet Growth

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Growth in Deposits Growth in Advances

Rs in Billion

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Analysis of Deposits
Rs in Billion

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Profit (Rs in million)

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Profit After Tax
Rs in Billion

6 2681

5 2.250

4 2.022

3 1.923

2 1.103

1 0.687

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NPL’s

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Advances to Deposits

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Ratio Analysis
ROE (Return on Equity)

34.8

27.7
23.9
22.6
20.3

2002 2003 2004 2005 2006

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Ratio Analysis
ROA (Return on Assets)

1.6
1.4 1.4

1.1

2002 2003 2004 2005 2006

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Ratio Analysis
EPS (Earning Per Share)

15.31
13.42

11.23
9.66

6.32

2002 2003 2004 2005 2006

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 Ratio Analysis
Current Ratio

1.21
1.19

1.11
1.09
1.08

2002 2003 2004 2005 2006

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Interim Financial Statement
September 30, 2007
Rs in Million
Profitability
• Total Income 11,180
• Profit after Tax 1,858

Shareholder’s Funds
• Total Shareholder’s Fund 13,284

Liabilities
• Customer Deposits 142,435
• Re-Finance Borrowings 11,338

Assets
• Advances 94,877
• Investments 42,703
• Total Assets 178,498

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 Comparative Analysis
September 30, 2007 Askari Bank Bank Al Falah Faysal Bank
Rs in Million
Profitability
Total Income 11,180 18,841 8,662
Profit after Tax 1,858 3,006 2,313

Shareholder’s Funds
Total Shareholder’s Fund 13,284 15,362 17,068

Liabilities
Customer Deposits 142,435 260,228 105,718
Re-Finance Borrowings 11,338 16,096 9,592

Assets
Advances 94,877 149,336 79,810
Investments 42,703 89,778 33,088
Total Assets 178,498 312,460 144,199

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The End

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