Upload
mohammad-nasar-khan
View
1.923
Download
1
Embed Size (px)
DESCRIPTION
Citation preview
Comparison of ISLAMIC & CONVENTIONAL Banking
Classification of Banks
Large Banks Medium Size Banks Small Banks
Bases:Shares OutstandingTotal AssetsTotal EmployeesCoverage
Large Banks National Bank of Pakistan
Habib Bank Limited
United Bank Limited
Muslim Commercial Bank
Allied Bank Limited
Bank Al-Falah
Medium Size Banks Standard Chartered Bank
Askari Bank Limited
Bank Al-Habib
Habib Metropolitan Bank
NIB
Meezan Bank
Soneri Bank Limited
Small Banks Silkbank Limited
Summit Bank Limited
HSBC
Bank of Khyber
Barclays Bank
Mybank Limited
JS Bank Limited
Samba Bank
Deutsche Bank AG
First Women Bank
Bank of Tokyo
Dubai Islamic Bank
Dawood Islamic bank Ltd.
BankIslami
Comparison
v/s
(Quick Facts)
Incorporated on January 27, 1997 Products: Murabaha,
Ijarah,
Diminishing Musharakah,
ATM/Debit Card,
Savings,
Consumer Banking etc.
Revenue
PKR 5.1 Billion (2009)
Net Income
PKR 1,025 Million (2009) Employees
3,669 (2009)
Quick Facts)
NIB was incorporated in
March 2003It has branches all over the country
Total assets as of March 31,
2011 are Rs. 150 bn.
Its goal is to be amongst the
top five banks of Pakistan.
It has over 3000 employees.
Business areas are;
Retail Banking and Transaction
Banking
Small Medium Enterprises and
Commercial Banking Group
Corporate and Investment
Banking Group / Financial
Institutions
Treasury of Capital Market
Group
Financial Viewpoint
Bank Cash & Bank
Investments
Lending to financial institutions
Investments Loans & advances – net of provisioins
Operating fixed& intangible assets
Other assets
Total Assets
Meezan 22,739 50,519 10,512 53,995 3,096 17,949 158,810
NIB 1 1,789 50,209 6,429 74,584 6,900 14,646 164,557
Bank Bills Payable Borrowings Deposits Subordinated Loans
Other liabilities
Equity Total
Meezan 1,767 5,829 131,068 --
7,719 12,427 158,810
NIB 1,335 42,362 99,112 3,996 3,867 13,885 164,557
Assets: Rupees in Million
Liabilities & Equity: Rupees in Million
Financial Viewpoint
Bank Spread Provisions/(reversals)
Non-markup Operating income
Operating expenses
Profit (Loss) before tax
Taxation Profit (Loss) after tax
Meezan 5,678 1 ,496 2,911 7 ,094 4,724 2,370 544 1,826
NIB 3,015 10,041 2,274 (4,752) 7,337 (12,089) (2,382) (9,707)
Income Statement: Rupees in Million
ProfitabilityProfit before Taxes:
Tip: Profit before Taxes = Operating income minus Operating costs
*NIB incurred a loss of Rs. 12.1bn compared to profit of Rs. 1.6 billion last year.
Returns
Return on Average Equity (ROAE):
Tip: ROAE is profit before tax as a percentage of average equity.
Spread:
Difference between markup/return/interest earned on loans and advances as a percentage of average loans and advances, at two year ends, and mark-up/return/interest expense of deposits as a percentage of average deposits, at two year ends.
Net Interest Profit RationMark-up/return/interest earned (before provisions) as a percentage of interest bearing assets less markup/return/interest expensed as a percentage of interest bearing liabilities.
Fee, commission & brokerage, rent, income from dealing in foreign currencies, profit on sale of fixed & other assets and other non-fund receipts.
Non-Funded Income:
Costs:Operating cost Includes all expenses charged to arrive at profit before tax excluding cost of funds and provisions.
Offerings
Loan & Advances:
Market share in Offerings
LiquidityThe ratio of total average advances to total average deposits
Deposits
Other Criteria
EPS
Credit Ratings
Legend & Number of Branches
Bs d kha