Financials -  Yearly
Bank AL Habib Limited
Consolidated Balance Sheet
  As at December 31, 2015
(Rupees in ' 000)
 
Dec 31, 2015
Dec 31, 2014
Assets
Cash and balances with treasury banks 38,577,760 34,201,844
Balances with other banks 3,204,284 4,352,769
Lendings to financial institutions 5,818,072 -
Investments - net 355,081,488 331,737,516
Advances - net 205,858,857 181,357,100
Operating fixed assets 15,782,394 13,917,781
Deferred tax assets - net - -
Other assets 15,700,959 13,743,430
  640,023,814 579,310,440
Liabilities
Bills payable 8,665,462 7,984,808
Borrowings 62,592,299 78,455,452
Deposits and other accounts 516,197,547 446,311,464
Sub-ordinated loans 2,994,600 3,743,700
Liabilities against assets subject to finance lease - -
Deferred tax liabilities - net 3,627,612 2,769,852
Other liabilities 7,754,760 7,018,601
  601,832,280 546,283,877
Net assets 38,191,534 33,026,563
Represented by
Share capital 11,114,254 11,114,254
Reserves 10,329,233 8,760,911
Unappropriated profit 10,414,605 7,912,345
Total equity attributable to the equity holders of the bank 31,858,092 27,787,510
Non-controlling interest 112,979 113,969
  31,971,071 27,901,479
Surplus on revaluation of assets - net of tax 6,220,463 5,125,084
  38,191,534 33,026,563

Bank AL Habib Limited
Consolidated Profit and Loss Account
  For the year ended December 31, 2015
(Rupees in ' 000)
 
Dec 31, 2015
Dec 31, 2014
Mark-up / return / interest earned 50,310,263 44,007,124
Mark-up / return / interest expensed (25,475,557) (24,933,172)
Net mark-up / return / interest income 24,834,706 19,073,952
Provision against non-performing loans and advances - net (1,763,279) (552,989)
Provision for diminution in the value of investments (202,022) (5,463)
Bad debts written-off directly (34) -
  (1,965,335) (558,452)
Net mark-up / return / interest income after provisions 22,869,371 18,515,500
Non mark-up / interest income
Fees, commission and brokerage income 2,320,893 1,984,114
Dividend income 536,664 328,596
Income from dealing in foreign currencies 707,484 854,437
Gain / (Loss) on sale / redemption of securities - net 136,864 22,560
Unrealised gain / (loss) on revaluation of investments classified as held for trading - -
Share of profit from associates 89,066 124,033
Other income 695,498 636,131
Total non mark-up / interest income 4,486,469 3,949,871
  27,355,840 22,465,371
Non mark-up / interest expenses
Administrative expenses (14,749,244) (12,249,905)
Other provisions / write-offs (38,535) (9,249)
Others charges (302,412) (202,978)
Total non mark-up / interest expenses (15,090,191) (12,462,132)
Extra-ordinary / unusual items - -
Profit before taxation 12,265,649 10,003,239
Taxation - current (4,509,205) (3,498,182)
             - prior years (500,484) -
             - deferred 75,792 (68,687)
  (4,933,897) (3,566,869)
Profit after taxation 7,331,752 6,436,370
Attributable to:
Shareholders of the Holding company 7,332,742 6,432,145
Non-controlling interest (990) 4,225
  7,331,752 6,436,370
Basic and diluted earnings per share - Rupees 6.60 5.79
Auditor(s):

Pakistan Banks' Association 2005. All Rights Reserved.