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The Bank of Life

1 MCB Bank Limited

1.3.BUSINESS VOLUME

Business volume in terms of Deposit, Advances and Revenue investments for the last five year as

under:

1.3.1 REVENUE

Particulars 2012 2011 2010 2009 2008

-------------------------Rupees in 000-----------------------Mark-up / return /

interest earned68,356,191 68,146,588 54,821,296 51,616,007 40,043,824

Fee, commission

and brokerageIncome

5,934,472 5,117,196 4,129,540 3,331,856 2,993,394

Dividend 1,197,615 1,003,272 543,906 459,741 617,554

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The Bank of Life

2 MCB Bank Limited

Income fromdealing in foreignCurrencies

822,856 921,262 632,346 341,402 727,564

Gain on sale ofsecurities

824,539 735,639 411,834 773,768 740,429

Other income 373,849 334,822 547,680 736,118 855,697

Total Revenue 77,509,629 76,258,779 61,086,602 57,258,892 45,938,462

1.3.2 DEPOSITS

Particulars 2012 2011 2010 2009 2008

-------------------------Rupees in 000-----------------------

1. CustomersFixed deposits 80,649,846 91,501,846 80,073,848 62,651,531 61,680,332

Saving deposits 268,923,547 225,920,953 196,015,213 173,797,078 150,927,938

Current Accounts

Non-Remunerative183,107,714 161,680,596 144,545,488 123,898,324 105,310,862

Margin Accounts 3,520,404 3,511,830 3,482,526 2,910,655 3,137,434

Total Customers

Deposits

536,201,511 482,615,225 424,117,075 363,257,588 321,056,566

2. Financial InstitutionsRemunerative

deposits6,090,878 6,319,827 4,128,090 2,258,295 5,197,969

Non-remunerative

deposits2,695,702 2,253,658 3,126,772 2,088,061 3,926,526

Total Financial

Institutions

Deposits

8,786,580 8,573,485 7,254,862 4,346,356 9,124,495

0

10

20

30

40

50

60

70

80

2008 2009 2010 2011 2012

Series 1

Series 1

Revenue Trend

Rupeesin0

00,0

00

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The Bank of Life

3 MCB Bank Limited

Total Deposits 544,988,091 491,188,710 431,371,937 367,603,944 330,181,061

1.3.3 ADVANCES

Particulars 2012 2011 2010 2009 2008

-------------------------Rupees in 000-----------------------

Total Advances 239,788,511 227,573,618 254,551,589 253,249,407 262,135,470

0

10

20

30

40

50

60

2008 2009 2010 2011 2012

Deposits

Rupeesin

0,0

00,0

00

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The Bank of Life

4 MCB Bank Limited

1.3.4 INVESTMENTS

Particulars 2012 2011 2010 2009 2008

-------------------------Rupees in 000-----------------------

Investments 405,601,313 316,651,613 213,060,882 167,134,465 96,631,874

0

5

10

15

20

25

30

2008 2009 2010 2011 2012

Advances

Rupeesin

0,0

00,0

00

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The Bank of Life

5 MCB Bank Limited

1. Raito Analysis

5.1 Earning Assets to Total Assets Ratio

0

5

10

15

20

25

30

35

40

2008 2009 2010 2011 2012

Investments

Rupeesin

0,0

00,0

00

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The Bank of Life

6 MCB Bank Limited

2012 2011 2010 2009 2008

91.6% 91.87% 91.44% 91.95% 91.65%

1.1.1 Graphical Representation of Earning Assets to Total Assets Ratio

1.1.2 Critical Analysis

0

15

30

45

60

75

90

105

2012 2011 2010 2009 2008

Earning Assets to Total Assets Ratio

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The Bank of Life

7 MCB Bank Limited

1.2 Return on Earning Assets

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The Bank of Life

8 MCB Bank Limited

2012 2011 2010 2009 2008

2.99% 3.19% 3.23% 3.75% 3.32%

1.2.1 Graphical Representation of Return on Earning Assets

1.2.2 Critical Analysis

0

1

2

3

4

5

2012 2011 2010 2009 2008

Retun on Earning Assets

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The Bank of Life

9 MCB Bank Limited

5.3 Net Margin to Earning Assets

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The Bank of Life

10 MCB Bank Limited

2012 2011 2010 2009 2008

5.80% 7.41% 7.05% 7.60% 6.97%

1.3.1 Graphical Representation of Net Margin to Earning Assets

1.3.2 Critical Analysis

0

2

4

6

8

2012 2011 2010 2009 2008

Net Margin to Earning Assets

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The Bank of Life

11 MCB Bank Limited

1.4 Deposit Time Capital

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The Bank of Life

13 MCB Bank Limited

1.5 Loan Loss Coverage Ratio

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The Bank of Life

14 MCB Bank Limited

2012 2011 2010 2009 2008

18.5 11.88 9.39 4.99 16.86

1.5.1 Graphical Representation of Loan Loss Coverage Ratio

1.5.2 Critical Analysis

0

5

10

15

20

2012 2011 2010 2009 2008

Loan Loss Coverage Ratio

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The Bank of Life

15 MCB Bank Limited

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16 MCB Bank Limited

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