Financials -  Yearly Soneri Bank Limited Balance Sheet   As at December 31, 2015 (Rupees in ' 000)   Dec 31, 2015 Dec 31, 2014 Assets Cash and balances with treasury banks 16,718,428 15,776,136 Balances with other banks 1,634,544 574,566 Lendings to financial and other institutions 3,306,244 604,342 Investments - net 108,633,807 75,715,677 Advances - net 112,001,752 107,968,205 Operating fixed assets 4,956,732 5,013,968 Deferred tax assets - net - - Other assets - net 6,090,322 7,522,413   253,341,829 213,175,307 Liabilities Bills payable 2,751,084 2,779,715 Borrowings 39,875,623 25,824,908 Deposits and other accounts 185,222,383 163,250,371 Sub-ordinated loans 3,000,000 - Liabilities against assets subject to finance lease - - Deferred tax liabilities - net 1,417,042 1,419,963 Other liabilities 2,883,755 2,861,123   235,149,887 196,136,080 Net assets 18,191,942 17,039,227 Represented by Share capital 11,024,636 11,024,636 Reserves 1,049,465 933,911 Discount on issue of right shares (1,001,361) (1,001,361) Unappropriated profit 4,263,217 3,150,185   15,335,957 14,107,371 Surplus on revaluation of assets - net of tax 2,855,985 2,931,856   18,191,942 17,039,227 Soneri Bank Limited 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 18,319,732 16,906,398 Mark-up / return / interest expensed (10,722,265) (10,626,395) Net mark-up / return / interest income 7,597,467 6,280,003 Provision against non-performing loans and advances - net 1,034,602 548,195 (Reversal of provision) / provision for diminution in the value of investments - net (9,277) 814 Bad debts written off directly 3,916 104   1,029,241 549,113 Net mark-up / return / interest income after provisions 6,568,226 5,730,890 Non mark-up / interest income Fee, commission and brokerage income 1,343,601 1,326,122 Dividend income 160,253 170,002 Income from dealing in foreign currencies 472,787 613,175 Gain on sale of securities - net 1,126,369 364,867 Unrealised (loss) / gain on revaluation of investments classified as 'held for trading' / future contracts (2,453) 9,626 Other income 52,235 24,898 Total non-markup / interest income 3,152,792 2,508,690   9,721,018 8,239,580 Non mark-up / interest expenses Administrative expenses 5,974,724 5,605,644 Provision against other assets - net 66 182 Other charges 150,621 191,858 Total non-markup / interest expenses 6,125,411 5,797,684   3,595,607 2,441,896 Extra ordinary / unusual items - - Profit before taxation 3,595,607 2,441,896 Taxation - current 1,402,494 930,130 Taxation - prior years 98,199 (433,151) Taxation - deferred (117,854) 362,862   1,382,839 859,841 Profit after taxation 2,212,768 1,582,055 Basic and diluted earnings per share 2.01 1.44 Auditor(s): Pakistan Banks' Association 2005. All Rights Reserved.