Financials -  Yearly
Khushhalibank Limited
Balance Sheet
  As at December 31, 2015  
 
Dec 31, 2015
Dec 31, 2014
Assets
Cash and balances with SBP and NBP 1,001,222,441 701,035,923
Balances with other banks / NBFIs / MFBs 944,008,613 353,300,758
Lending to financial institutions 2,383,352,710 417,604,032
Investments 1,847,825,070 836,886,573
Advances - net of provisions 17,246,531,575 12,105,839,126
Operating fixed assets 548,979,304 322,919,698
Other assets 2,616,868,449 1,871,176,573
Deferred tax assets 107,557,987 83,670,995
Total assets 26,696,346,149 16,692,433,678
Liabilities
Deposits 15,583,727,129 8,682,472,759
Borrowings 5,890,397,392 3,729,876,872
Other liabilities 1,270,731,541 993,956,438
Total liabilities 22,744,856,062 13,406,306,069
Net assets 3,951,490,087 3,286,127,609
Represented by
Share capital 1,705,000,000 1,705,000,000
Statutory reserve 586,619,579 421,786,588
Capital reserve 24,255,224 24,255,224
Unappropriated profit 1,618,313,938 1,134,321,734
Surplus on revaluation of investments 213,840 97,802
  3,934,402,581 3,285,461,348
Deferred grants 17,087,506 666,261
Total Capital 3,951,490,087 3,286,127,609

Khushhalibank Limited
Profit and Loss Account
  For the year ended December 31, 2015  
 
Dec 31, 2015
Dec 31, 2014
Mark-up / return / interest earned 4,406,621,934 3,129,490,001
Mark-up / return / interest expensed 1,219,286,901 809,557,429
Net mark-up / interest income 3,187,335,033 2,319,932,572
Provision against non-performing advances 275,014,569 154,534,663
Bad debts written off directly 4,085,475 3,151,806
Net mark-up / interest income after provisions 2,908,234,989 2,162,246,103
Non mark-up / non interest income
Fee, commission and brokerage income 640,438,198 477,886,909
Other income 205,392,767 216,809,967
Total non mark-up / non interest income 845,830,965 694,696,876
  3,754,065,954 2,856,942,979
Non mark-up / non interest expenses
Administrative expenses 2,444,676,042 1,889,831,823
Other provisions 17,137,334 4,876,387
Other assets written off directly 85,771,400 -
Other charges 24,499,597 19,824,946
Total non mark-up / non interest expense 2,572,084,373 1,914,533,156
Profit before taxation 1,181,981,581 942,409,823
Taxation - current 355,121,400 233,789,862
             - prior year 21,690,313 (24,697,464)
             - deferred (18,995,089) 30,105,678
  357,816,624 239,198,076
Profit after taxation 824,164,957 703,211,747
Unappropriated profit brought forward 1,134,321,734 738,853,220
Profit available for appropriation 1,958,486,691 1,442,064,967
Appropriations:
Transfer to:
Statutory reserve 164,832,991 140,642,349
Microfinance social development fund 82,416,496 70,321,175
Depositors' protection fund 41,208,248 35,160,587
Risk mitigation fund 41,208,248 35,160,587
  329,665,983 281,284,698
Unappropriated profit 1,628,820,708 1,160,780,269
Earnings per share - basic and diluted 3.87 3.30
Auditor(s):

Pakistan Banks' Association 2005. All Rights Reserved.