Horizental Analysis of Soniri Bank

8/3/2019 Horizental Analysis of Soniri Bank

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FINA

NCIA2006 2007 2008 2009 2010 2006 2007

Assets

Cash and

Balances horizental

with

treasury

Banks 100 105.5825282

Balances

with other

Banks 100 65.87416362

Lendings to

Financial

Institutions 100 99.42393777

Investments 16,724,253 211,146,038 19,181,562 14,053,177 29,537,179 100 1262.514015Advances 35,412,248 40,154,449 47,575,364 48,727,103 54,675,721 100 113.3914147

Operating

Fixed

Assets 100 111.4550867

Defferred

Tax Assets 0 0 125,843 108,429 384,655 #DIV/0!Other

Assets 1,315,578 1,981,207 2,550,130 2,879,927 3,410,654 100 150.5959358

70,729,674 76,854,060 80,977,254 95,310,272 108,105,678 100 108.6588636Liablities

Bills

Payable 957,576 1,640,514 1,254,496 1,763,401 1,857,810 100 171.3194566Borrowings 8,916,437 5,865,471 8,441,454 9,385,522 12,370,528 100 65.78267754

Deposits

and

other

accounts 100 113.4894221

Sub-

ordinated

Loans 100 99.95997599

Liabilities

against

assets

subject

to finance

lease 100 #DIV/0!

Deffered

Tax

Liablities 100 125.5980254Other

Liabl ities 705,133 936,270 1,335,446 1,612,082 1,745,496 100 132.779206265,117,771 70,243,581 73,864,207 87,507,071 99,188,005 100 107.8715993

0 0338,698 425,398 0

1,197,840 197,840

0 0 0 0 0

1,199,280 1,198,800 1,198,320

3,333,891 3,468,923

53,000,647 60,150,128 61,634,491 73,548,226 82,016,811

1,929,885 2,150,955 3,126,857

1,497,193 1,400,451

3,193,405 3,175,009 3,990,269 2,755,377 2,531,900

6,603,003 4,349,673 3,908,859

In Rupees '000

5,551,302 5,861,205 5,646,755 6,471,173 7,247,711


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Net Assets 5,611,903 6,610,479 7,113,047 7,803,201 8,917,673 100 117.7938927

Represente

d By

Share

Capital 3,116,835 4,114,222 4,114,222 5,019,351 6,023,221 100 131.9999936Reserves 1,676,602 1,876,669 2,016,877 2,003,948 2,029,036 100 111.9328857

Unappropri

ated Profit 400,853 238,775 834,650 158,278 329,103 100 59.56672396

5,194,290 6,229,666 6,965,749 7,181,577 8,381,360 100 119.9329649Surplus on

revaluation

of Assets 100 91.188013785,611,903 6,610,479 7,113,047 7,803,201 8,917,673 100 117.7938927

417,613 380,813 147,298 621,624 536,313


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2008 2009 2010 2006 2007 2008 2009 2010

analisis vertical analysis

101.7195 116.5704 130.5588 7.848618 7.626409 6.973261 6.789586 6.704283 c/a

c/l

59.1982 22.67443 21.2093 9.335548 5.659653 4.827107 1.570862 1.295446 1 c/ratio

0 inventory

124.9534 86.28336 79.28528 4.514944 4.131218 4.927642 2.890955 2.34206 2 q/r

114.6931 84.02873 176.6128 23.64531 274.7363 23.68759 14.74466 27.3225 3 wor/capt134.3472 137.5996 154.3978 50.06703 52.24766 58.75152 51.12471 50.57618 c/equival

4 c/r

162.023 172.7508 179.7477 2.728537 2.798753 3.861402 3.497935 3.208826 5 d/r

#DIV/0! #DIV/0! #DIV/0! 0 0 0.155405 0.113764 0.355814 6 d/t/e/r

193.841 218.9096 259.2514 1.860009 2.577882 3.149193 3.021633 3.154926 7 e/m/r

114.4884 134.7529 152.8435 100 100 100 100 100 13 ad/t/de

131.0075 184.1526 194.0118 1.353853 2.134583 1.549196 1.850169 1.718513

94.67295 105.2609 138.7385 12.60636 7.63196 10.42448 9.847335 11.443

116.2901 138.7685 154.7468 74.9341 78.26539 76.11334 77.16716 75.86726

99.91995 99.87993 16.49656 1.695583 1.55984 1.479823 1.25678 0.183006

#DIV/0! #DIV/0! #DIV/0! 0 0 0 0 0

0 0 0 0.478863 0.553514 0 0 0

189.3892 228.621 247.5414 0.996941 1.218244 1.649162 1.691404 1.61462

113.4317 134.3828 152.3209 92.0657 91.39866 91.21599 91.81284 91.75097


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126.7493 139.0473 158.9064 7.934298 8.60134 8.784006 8.187156 8.249033

132 161.04 193.248 4.406687 5.353292 5.080713 5.266327 5.571605

120.2955 119.5244 121.0207 2.370436 2.441861 2.490671 2.102552 1.8769

208.2185 39.4853 82.10067 0.566739 0.310686 1.030722 0.166066 0.304427

134.104 138.2591 161.3572 7.343862 8.105839 8.602106 7.534945 7.752932

35.27141 148.8517 128.4234 0.590435 0.495501 0.1819 0.652211 0.496101

126.7493 139.0473 158.9064 7.934298 8.60134 8.784006 8.187156 8.249033


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2006 2007 2008 2009 2010

67,484,211 72,721,898 75,174,424 88,988,025 100,841,446

64,073,940 68,881,913 72,528,761 85,894,989 97,442,509

105.3224 105.5747363 103.64774 103.60095 103.488146

50,759,958 -138,424,140 55,992,862 74,934,848 71,304,267

79.220909 -200.958617 77.200908 87.240069 73.1757297

3,410,271 3,839,985 2,645,663 3,093,036 3,398,93712,154,305 10,210,878 9,555,614 7,968,366 8,648,162

17.184167 13.28606192 11.800368 8.3604483 7.99972967

92.065702 91.39866001 91.215994 91.812844 91.750967

20.892274 17.073357 17.953384 17.433941 16.4676018

22.692787 18.68009553 19.682276 18.988565 17.9481507

66.814747 66.75704664 77.189514 66.251908 66.6640416

0


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INCO

ME

STATE

MENT2006 2007 2008 2009 2010 2006 2007 2008

horizental

Mark-up /

Interest

Income

Mark-up /

Return/

Interest

Earned 5,536,098 6,271,636 7,822,941 9,337,284 10,250,494 100 113.2862 141.3078

Mark-up /Return/

Interest

Expensed 3,768,323 4,334,355 4,878,347 6,602,779 7,203,842 100 115.0208 129.4567

Net Mark-

up /

Interest

Income 1,767,775 1,937,281 2,944,594 2,734,505 3,046,652 100 109.5887 166.5706

Provision

against

non-

performin

g

advances-

net 100 23.14497 122.2964

Provision

for

diminution

in #DIV/0! #DIV/0!

the value

of

Investmen

t 100 0 0

Provision

against off #DIV/0! #DIV/0!

321,222

1,405,305

46,67536,621 0 0

Rupees in '000

1,014,540 234,815 1,240,746 1,312,121


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Balance

sheet

obligation

s #DIV/0! #DIV/0!

Bad Debts

written Off

directly 124 0 196 0 256 100 0 158.0645, , , , , , , , 639.0393 3445.209

Net Mark-

up/

Interest

Income

after

provisions 100 98.34988 96.97417

Non Mark-

up

/Interest

Income #DIV/0! #DIV/0!

Fee,

Commissio

n and #DIV/0! #DIV/0!

brokerage

Income 100 118.6884 147.7134

Dividend

Income 31,205 32,613 268,016 130 ,639 149,128 100 104.5121 858.888

Income

from

dealing in

foreign

currencies 149,194 184,181 279,284 381,502 235,253 100 123.4507 187.1952

Gain on

sale and

redemptio

n of

securities

net 100 265.1109 -0.21062

Unrealized

Gain on

Revaluatio

n #DIV/0! #DIV/0!

-10,805

1,101,162

26,007112,998 299,570 -238

1,594,416

242,825 288,205 358,685 291,820 367,766

1,731,030 1,702,466 1,678,652

0 0 25,000 0 0


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of

Investmen

ts

classified

as Held-for-

Trading 100 #DIV/0! #DIV/0!

Other

Income 218,655 263,095 320,459 375,037 450,277 100 120.3243 146.5592

Total non

mark-up /

Interest

income 754,877 1,067,664 1,226,206 1,168,193 1,228,431 100 141.4355 162.4379

2,485,907 2,770,130 2,904,858 2,269,355 2,822,847 100 111.4334 116.853

Non-

Markup/

Interest

Expense

Adminstrat

ive

Expense 1,028,824 1,278,974 1,673,590 2,113,660 2,623,991 100 124.3142 162.6702

Other

Provisions

/ Write offs 0 0 100,000 -1,000,000 0 100 #DIV/0! #DIV/0!

Other

Charges 8,182 14,471 178,035 65,282 58,409 100 176.8638 2175.935

Total non

mark-up /

interest

expenses 1,037,006 1,293,445 1,951,625 2,078,942 2,682,400 100 124.7288 188.198

Profit

Before

Taxation 1,448,901 1,476,685 953,233 190,413 140,447 100 101.9176 65.79007Taxation #DIV/0! #DIV/0!Current 448,000 403,000 697,000 321,000 325,000 100 89.95536 155.5804

Prior

Year(s) -83,544 -9,684 -437 0 0 100 11.5915 0.523078Deffered 99,147 83,035 -444,371 -275,942 -309,993 100 83.74938 -448.194

4 3, 03 47 ,351 252,192 45,058 15,007 100 102.7498 54.39827

Profit After

Taxation 985,298 1,000,334 701,041 145,355 125,440 100 101.526 71.15015

0 0 0 0 0


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Unapprop

raited

Profit

Brought

Forward 753,877 400,853 238,775 834,650 158,278 100 53.1722 31.67294

Transferfrom

surplus on

revaluatio

n #VALUE! #VALUE!

of fixed

assets on

account #DIV/0! #DIV/0!

of

increment

al

depriciati

on 100 #DIV/0! #DIV/0!

Profit

available

for

appropriat

ion 1,739,175 1,436,229 974,858 1,015,047 354,191 100 82.58105 56.0529

#DIV/0! #DIV/0!

Earning

Per Share 3.29 2.43 1.7 0.28 0.2 73.86018 51.67173

70,473- 35,042 35,042 35,042


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2009 2010 2006 2007 2008 2009 2010

analysis vertical analysis

6,290,975 7,339,300 9,049,147 10,505,477 11,478,925 8 ebit/ie/r

168.6618 185.1574 88.00063583 85.452782 86.449485 88.880153 89.2983794 9 c/t/s/r

175.218 191.1684 59.90046058 59.05679 53.909468 62.850825 62.7571136 total assets

154.6863 172.3439 28.10017525 26.395991 32.540017 26.029327 26.5412658 10 r/o/i/r

share capital

11 r/on/e

129.3316 138.5165 16.12691197 3.1994196 13.711193 12.489876 12.2424792

#DIV/0! #DIV/0! total deposit

877.1525 127.4542 0.582119624 0 0 3.0576622 0.40661473 12 r/on/d

#DIV/0! #DIV/0! share


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#DIV/0! #DIV/0! 0 0 0.2762691 0 0 14 e/p/shar

0 206.4516 0.001971078 0 0.002166 0 0.00223017 15 g/s/ratio

4445.076 3952.2 0.584090701 3.1994196 13.989628 15.547538 12.6513241 total inc

total exp

63.61311 92.10794 27.51608455 23.196572 18.550389 10.48179 13.8899418 16 inc/exp

#DIV/0! #DIV/0!

#DIV/0! #DIV/0!

120.1771 151.4531 3.859894531 3.9268731 3.9637438 2.7777891 3.2038366

418.64 477.8978 0.49602804 0.4443612 2.9617819 1.24 1.29914604

255.7087 157.6826 2.371556078 2.5095173 3.0863019 3.6314581 2.04943407

-9.56212 23.01545 1.796192164 4.0817244 -0.00263 -0.102851 0.22656303

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#DIV/0! #DIV/0! 0 0 0 0 0

171.52 205.9303 3.475693354 3.5847424 3.5413172 3.5699188 3.92264084

154.7528 162.7326 11.99936417 14.547218 13.550515 11.119847 10.7016206

91.28881 113.554 39.51544872 37.74379 32.100904 21.601637 24.5915624

205.4443 255.0476 16.35396739 17.426376 18.49445 20.1196 22.859205

#DIV/0! #DIV/0! 0 0 1.1050765 -9.518844 0

797.8734 713.8719 0.130059331 0.1971714 1.967423 0.6214092 0.50883685

200.4754 258.6677 16.48402672 17.623547 21.56695 19.789125 23.3680419

13.14189 9.693347 23.031422 20.120243 10.533954 1.8125117 1.2235205

#DIV/0! #DIV/0!

71.65179 72.54464 7.121312674 5.4909869 7.7023834 3.055549 2.83127558

0 0 -1.327997647 -0.131947 -0.004829 0 0

-278.316 -312.66 1.576019615 1.1313749 -4.91064 -2.626649 -2.7005403

9.719092 3.237037 7.369334642 6.4904146 2.7869146 0.4289001 0.13073524

14.75239 12.73117 15.66208736 13.629828 7.7470396 1.3836116 1.09278526


47/49

110.7143 20.9952 11.98346838 5.4617334 2.6386465 7.9449034 1.37885734

#VALUE! #VALUE!

#DIV/0! #DIV/0!

#DIV/0! #DIV/0! #VALUE!

58.36371 20.36546 27.64555574 19.569019 10.772927 9.6620744 3.08557639

#DIV/0!

8.510638 6.079027 5.22971E-05 3.311E-05 1.879E-05 2.665E-06 1.7423E-06


48/49

2006 2007 2008 2009 2010

38.44949 34.06931 19.54008192 2.883831187 1.949612443

68.06821 69.11044 62.35950137 70.71412843 70.27799831

70,729,674 76,854,060 80,977,254 95,310,272 108,105,678

1.393048 1.301602 0.865725825 0.152507172 0.1160346083,116,835 4,114,222 4,114,222 5,019,351 6,023,221

31.61213 24.31405 17.03945485 2.895892318 2.082606632

1.85903 1.663062 1.13741671 0.197632231 0.152944254

311683 411422 411422 501935 602322

82,016,81153,000,647 60,150,128 61,634,491 73,548,226


49/49

3.161218 2.431406 1.703946313 0.289589289 0.208260698

31.93179 30.88956 37.64049863 29.28587157 29.72200169

8,022,005 9,041,766 10,727,799 11,606,639 13,073,341

4,842,074 5,862,615 8,095,914 10,315,064 11,338,478

1.656729 1.542275 1.325088063 1.125212505 1.153006691

Documents

Horizental Analysis of Soniri Bank