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    Horizontal Analysis

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    Mahmood Khan
    This document presents a six-year horizontal analysis of Soneri Bank's statement of financial position and profit & loss account from 2006 to 2011. Some key points: - Assets grew 20% from 2008 to 2011, led by a 31% increase in investments and a 19.5% rise in advances. - Liabilities increased 19.73% over the same period, with a 21.6% growth in customer deposits being the main driver. - Total income rose 29.38% from 2010 to 2011, with mark-up/interest earned seeing the largest increase of 25.8%. - Profit after taxation more than doubled over this period, growing from Rs.125 million to Rs.784 million

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    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd

    Horizontal Analysis

    Uploaded by

    Mahmood Khan
    180 views1 page
    This document presents a six-year horizontal analysis of Soneri Bank's statement of financial position and profit & loss account from 2006 to 2011. Some key points: - Assets grew 20% from 2008 to 2011, led by a 31% increase in investments and a 19.5% rise in advances. - Liabilities increased 19.73% over the same period, with a 21.6% growth in customer deposits being the main driver. - Total income rose 29.38% from 2010 to 2011, with mark-up/interest earned seeing the largest increase of 25.8%. - Profit after taxation more than doubled over this period, growing from Rs.125 million to Rs.784 million

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    Horizontal Analysis

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    This document presents a six-year horizontal analysis of Soneri Bank's statement of financial position and profit & loss account from 2006 to 2011. Some key points: - Assets grew 20% from 2008 to 2011, led by a 31% increase in investments and a 19.5% rise in advances. - Liabilities increased 19.73% over the same period, with a 21.6% growth in customer deposits being the main driver. - Total income rose 29.38% from 2010 to 2011, with mark-up/interest earned seeing the largest increase of 25.8%. - Profit after taxation more than doubled over this period, growing from Rs.125 million to Rs.784 million

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    180 views1 page

    Horizontal Analysis

    Uploaded by

    Mahmood Khan
    This document presents a six-year horizontal analysis of Soneri Bank's statement of financial position and profit & loss account from 2006 to 2011. Some key points: - Assets grew 20% from 2008 to 2011, led by a 31% increase in investments and a 19.5% rise in advances. - Liabilities increased 19.73% over the same period, with a 21.6% growth in customer deposits being the main driver. - Total income rose 29.38% from 2010 to 2011, with mark-up/interest earned seeing the largest increase of 25.8%. - Profit after taxation more than doubled over this period, growing from Rs.125 million to Rs.784 million

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 1

    SONERI BANK LIMITED

    SIX YEARS' HORIZONTAL ANALYSIS -STATEMENT OF


    FINANCIAL POSITION / PROFIT & LOSS ACCOUNT
    2011
    Rs.in Mn

    2011 vs 2010

    2010

    2010 vs 2009

    2009

    2009 vs 2008

    2008

    2008 vs 2007

    2007

    2007 vs 2006

    2006

    Rs.in Mn

    Rs.in Mn

    Rs.in Mn

    Rs.in Mn

    Rs.in Mn

    2006 vs 2005
    %

    Statement of Financial Position


    Assets
    Cash and balances with treasury

    8,959

    23.61%

    7,248

    12.00%

    6,471

    14.60%

    5,647

    -3.66%

    5,861

    5.58%

    5,551

    27.56%

    Balances with other banks

    879

    -37.23%

    1,400

    -6.46%

    1,497

    -61.70%

    3,909

    -10.13%

    4,350

    -34.13%

    6,603

    169.18%

    Lending to financial institutions

    813

    -67.89%

    2,532

    -8.11%

    2,755

    -30.95%

    3,990

    25.68%

    3,175

    -0.58%

    3,193

    -34.09%

    Investment-net

    45,776

    30.84%

    34,986

    18.45%

    29,537

    110.18%

    14,053

    -26.74%

    19,182

    14.69%

    16,724

    2.03%

    Advances-net

    65,340

    19.50%

    54,676

    12.21%

    48,727

    2.42%

    47,575

    18.48%

    40,154

    13.39%

    35,412

    10.48%

    3,834

    10.52%

    3,469

    4.05%

    3,334

    6.62%

    3,127

    45.37%

    2,151

    11.46%

    1,930

    9.28%

    362

    -5.89%

    385

    254.75%

    108

    -13.84%

    126

    100.00%

    0.00%

    0.00%

    3,769

    10.51%

    3,411

    18.43%

    2,880

    12.93%

    2,550

    28.72%

    1,981

    50.43%

    1,317

    -11.31%

    129,732

    20.00%

    108,106

    13.43%

    95,310

    17.70%

    80,977

    5.36%

    76,854

    8.66%

    70,730

    11.66%

    Customer deposits

    99,734

    21.60%

    82,017

    11.51%

    73,548

    19.33%

    61,634

    2.47%

    60,150

    13.49%

    53,001

    11.33%

    Borrowings

    14,557

    17.67%

    12,371

    31.80%

    9,386

    11.18%

    8,441

    43.92%

    5,865

    -34.22%

    8,916

    8.17%

    Bills payable

    1,571

    -15.44%

    1,858

    5.35%

    1,763

    40.57%

    1,254

    -23.53%

    1,641

    71.32%

    958

    10.83%

    Other liabilities

    Operating fixed assets


    Deferred tax assets -net
    Other assets

    Liabilities

    1,995

    14.29%

    1,745

    8.28%

    1,612

    20.71%

    1,335

    38.53%

    964

    36.74%

    705

    -12.20%

    Deferred tax liabilities

    0.00%

    0.00%

    0.00%

    -100.00%

    425

    25.37%

    339

    41.25%

    Sub-ordinated loans

    898

    -25.00%

    1,197

    -0.04%

    1,198

    -0.04%

    1,198

    -0.04%

    1,199

    -0.04%

    1,199

    0.02%

    118,755

    19.73%

    99,188

    13.35%

    87,507

    18.47%

    73,864

    5.15%

    70,244

    7.87%

    65,118

    10.45%

    10,977

    23.09%

    8,918

    14.28%

    7,803

    9.70%

    7,113

    7.60%

    6,610

    17.79%

    5,612

    27.83%

    88.56%

    Net Assets

    Represented by
    Share Capital (net of discount on issue of right shares)

    8,028

    33.28%

    6,023

    20.00%

    5,019

    22.00%

    4,114

    0.00%

    4,114

    32.00%

    3,117

    Reserves

    1,183

    -41.70%

    2,029

    1.25%

    2,004

    -0.64%

    2,017

    7.47%

    1,877

    11.93%

    1,677

    20.19%

    Un-appropriated profit

    1,026

    211.76%

    329

    107.93%

    158

    -81.04%

    835

    249.56%

    239

    -40.43%

    401

    -46.84%

    322.02%

    147

    -61.32%

    Surplus on revaluation of assets

    740

    37.98%

    536

    -13.72%

    622

    381

    -8.81%

    418

    -28.98%

    10,977

    23.09%

    8,918

    14.28%

    7,803

    9.70%

    7,113

    7.60%

    6,610

    17.79%

    5,612

    27.83%

    12,895

    25.80%

    10,250

    9.78%

    9,337

    19.36%

    7,823

    24.74%

    6,272

    13.29%

    5,536

    50.40%

    Profit & Loss Account


    Mark-up / Return / Interest Earned
    Fee, Commission , Brokerage and
    915

    51.74%

    603

    -10.44%

    673

    5.54%

    638

    35.05%

    472

    20.50%

    392

    18.08%

    Capital gain and dividend income

    - Exchange income

    428

    144.38%

    175

    46.15%

    120

    -55.25%

    268

    -19.10%

    331

    130.36%

    144

    55.06%

    Other income

    612

    35.92%

    450

    20.06%

    375

    17.00%

    321

    21.84%

    263

    20.32%

    219

    17.56%

    Total Income

    14,850

    29.38%

    11,478

    9.27%

    10,505

    16.09%

    9,049

    23.30%

    7,338

    16.66%

    6,291

    46.57%

    Mark-up / Return / Interest Expensed

    8,997

    24.89%

    7,204

    9.10%

    6,603

    35.35%

    4,878

    12.55%

    4,334

    15.02%

    3,768

    87.11%

    Operating expenses

    3,503

    30.59%

    2,682

    29.03%

    2,079

    6.52%

    1,952

    50.89%

    1,293

    24.73%

    1,037

    29.30%

    Provisions

    1,272

    -12.41%

    1,452

    -11.09%

    1,633

    29.02%

    1,266

    439.12%

    235

    539.04%

    37

    -51.65%

    15

    -66.69%

    45

    -82.13%

    252

    -47.06%

    476

    2.75%

    464

    -3.42%

    10,360

    24.10%

    8,348

    31.72%

    6,338

    19.47%

    5,306

    57.35%

    145

    -79.27%

    701

    -29.91%

    1,000

    1.53%

    985

    7.10%

    Taxation
    Total Expenses
    Profit after taxation

    294

    1859.09%

    14,066

    23.90%

    11,353

    784

    525.00%

    125

    9.58%
    -13.70%

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