Results Snapshot
Figures in Million
Standalone Annual Results
Dec'02
Dec'01
Dec'00
Interest Earned
23,956.11
26,738.45
25,834.42
Income On Investments
0.00
0.00
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0.00
0.00
0.00
Interest / Discount On Advances / Bills
0.00
0.00
0.00
Others
23,956.11
26,738.45
25,834.42
Other Income
6,188.36
5,484.00
6,137.98
Total Income
30,144.47
32,222.44
31,972.40
Interest Expended
11,580.43
15,434.54
17,359.58
Net Interest Income
12,375.68
11,303.90
8,474.85
Total Expenditure (Excl Depreciation)
11,819.65
11,930.71
12,375.32
Employee Cost
215.16
117.24
0.00
Other Operating Expenses
11,748.65
11,809.72
12,228.92
Operating Profit Before Provisions and Contingencies
6,600.23
4,860.94
2,383.91
Exceptional Items
144.15
-3.75
-146.40
Provisions and contingencies
2,656.36
2,632.96
1,268.87
Profit Before Tax
4,088.03
2,224.23
968.64
Tax
2,054.07
1,111.89
475.62
Profit After Tax
2,033.96
1,112.34
493.02
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
2,033.96
1,112.34
493.02
Face Value
0.0
0.0
0.0
Reserves
7,319.76
432.15
355.94
Earnings per share (EPS)
0.52
0.29
0.13
Diluted Earnings per share
0.52
0.29
0.13
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
Gross Profit Margin
17.06%
8.32%
3.75%
PAT Margin
8.49%
4.16%
1.91%
Net Interest Margin
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
0.0%
0.0%
0.0%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
Amount of Gross NPAs
0.00
0.00
0.00
Amount of Net NPAs
0.00
0.00
0.00
% of Net NPAs
0.0%
0.0%
0.0%
% of Gross NPAs
0.0%
0.0%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Dec 2002 is -10.41% vs 3.5% in Dec 2001
Net Profit
YoY Growth in year ended Dec 2002 is 82.86% vs 125.62% in Dec 2001
Operating Profit (PBDIT)
YoY Growth in year ended Dec 2002 is 35.78% vs 103.91% in Dec 2001
% of Net NPAs
YoY Growth in year ended Dec 2002 is 0.00% vs 0.00% in Dec 2001
% of Gross NPAs
YoY Growth in year ended Dec 2002 is 0.00% vs 0.00% in Dec 2001
Compare Annual Results Of Habib Bank Ltd. With
Figures in Million
Consolidate Annual Results
Change(PKR)
Change(%)
Interest Earned
0
0
0.00
Income On Investments
0
0
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0
0
0.00
Interest / Discount On Advances / Bills
0
0
0.00
Others
0
0
0.00
Other Income
0
0
0.00
Total Income
0
0
0.00
Interest Expended
0
0
0.00
Net Interest Income
0
0
0.00
Total Expenditure (Excl Depreciation)
0
0
0.00
Employee Cost
0
0
0.00
Other Operating Expenses
0
0
0.00
Operating Profit Before Provisions and Contingencies
0
0
0.00
Exceptional Items
0
0
0.00
Provisions and contingencies
0
0
0.00
Profit Before Tax
0
0
0.00
Tax
0
0
0.00
Profit After Tax
0
0
0.00
Extraordinary Items
0
0
0.00
Prior Period Expenses
0
0
0.00
Other Adjustments
0
0
0.00
Net Profit
0
0
0.00
Face Value
0
0
0.00
Reserves
0
0
0.00
Earnings per share (EPS)
0
0
0.00
Diluted Earnings per share
0
0
0.00
Operating Profit Margin (Excl OI)
0%
0%
0.00
0.00%
Gross Profit Margin
0%
0%
0.00
0.00%
PAT Margin
0%
0%
0.00
0.00%
Net Interest Margin
0%
0%
0.00
0.00%
Return on Assets
0%
0%
0.00
0.00%
CASA (%)
0%
0%
0.00
0.00%
CASA Amount
0
0
0.00
Capital Adequacy Ratio (Total)
0%
0%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0%
0%
0.00
0.00%
Provision Coverage Ratio (%)
0%
0%
0.00
0.00%
Amount of Gross NPAs
0
0
0.00
Amount of Net NPAs
0
0
0.00
% of Net NPAs
0%
0%
0.00
0.00%
% of Gross NPAs
0%
0%
0.00
0.00%
Public Share Holdings (%)
0%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0%
0%
0.00
0.00%
Pledged Capital (%)
0%
0%
0.00
0.00%
Number of ATMs
0
0
0.00
Number of Branches
0
0
0.00
Annual - Interest Earned
Interest Earned 2395.61 Million
in Dec 2002Figures in Million
YoY Growth in year ended Dec 2002 is -10.41% vs 3.5% in Dec 2001
Annual - Net Profit
Net Profit 203.40 Million
in Dec 2002Figures in Million
YoY Growth in year ended Dec 2002 is 82.86% vs 125.62% in Dec 2001
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 660.02 Million
in Dec 2002Figures in Million
YoY Growth in year ended Dec 2002 is 35.78% vs 103.91% in Dec 2001
Annual - % of Net NPAs
No % of Net NPAs in the last few periods
Annual - % of Gross NPAs
No % of Gross NPAs in the last few periods






