Financials -  Yearly
Habib Bank 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 167,250,988 135,276,934
Balances with other banks 40,469,761 67,284,700
Lendings to financial institutions 44,318,411 34,313,560
Investments 1,244,887,008 922,691,101
Advances 633,382,624 595,295,176
Operating fixed assets 31,341,509 27,309,803
Deferred tax assets - -
Other assets 56,772,484 82,446,422
  2,218,422,785 1,864,617,696
Liabilities
Bills payable 28,081,548 21,989,658
Borrowings 314,319,099 103,411,114
Deposits and other accounts 1,634,944,470 1,524,644,784
Sub-ordinated loans 10,000,000 -
Liabilities against assets subject to finance lease - -
Deferred tax liability 5,671,128 2,866,169
Other liabilities 42,786,489 42,110,871
  2,035,802,734 1,695,022,596
Net assets 182,620,051 169,595,100
Represented by
Shareholders' equity
Share capital 14,668,525 14,668,525
Reserves 47,188,150 43,550,188
Unappropriated profit 96,495,448 88,715,056
Total equity attributable to the equity holders of the bank 158,352,123 146,933,769
Non-controlling interest 1,692,344 1,185,257
Surplus on revaluation of assets  - net of deferred tax 22,575,584 21,476,074
  182,620,051 169,595,100

Habib Bank 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 / profit / interest earned 144,232,475 137,415,798
Mark-up / return / profit / interest expensed 66,063,699 68,832,702
Net mark-up / profit / interest income 78,168,776 68,583,096
Provision against advances 4,853,555 1,439,756
Provision / (reversal) against off-balance sheet obligations 36,744 (102,167)
Reversal of diminution in the value of investments (382,393) (103,678)
Bad debts written off directly - -
  4,507,906 1,233,911
Net mark-up / profit / interest income after provisions 73,660,870 67,349,185
Non mark-up / interest income
Fee, commission and brokerage income 17,089,181 13,979,618
Divided income 1,542,947 897,058
Share of profit of associates and joint venture 3,399,078 3,267,473
Income from dealing in foreign currencies 2,749,276 2,846,844
Gain on sale of securities 11,041,929 1,409,583
Unrealised gain on held for trading securities 18,326 52,856
Other income 743,228 971,816
Total non mark-up / interest income 36,583,965 23,425,248
  110,244,835 90,774,433
Non mark-up / interest expense
Administrative expenses 48,400,384 41,254,445
Other provisions / write offs - net 245,920 296,761
Other charges 128,831 4,654
Workers welfare fund 1,183,462 968,292
Total non mark-up / interest expenses 49,958,597 42,524,152
Profit before taxation 60,286,238 48,250,281
Taxation
           - current 19,052,573 15,674,740
           - prior years 2,261,220 (210,479)
           - deferred 3,870,854 1,303,454
  25,184,647 16,767,715
Profit after taxation 35,101,591 31,482,566
Attributable to:
Equity holders of the bank 35,108,659 31,618,014
Non-controlling interest (7,068) (135,448)
  35,101,591 31,482,566
Basic and diluted earnings per share 23.93 21.56
Auditor(s):

Pakistan Banks' Association 2005. All Rights Reserved.