Code CFP CIS KFR KFRS KFRH BD SHB HA VA N1 N2 N3 N4 N5 N6 N7 N8 N9 N10 N11 N12 N13 N14 N15 N16 N17

N18 N19 N20 N21

Islamic Bank Name Financial Information Consolidated Financial position Consolidated Income statement Key Financial Ratios Key Financial Ratios - Static Key Financial Ratios - Horizontal Board of Directors Shariah Board/Committee Horizontal Analysis Vertical Analysis Note 1 - Incorporation and principle activities Note 2 - Accounting policies Note 3 - Cash and balances with central bank and others Note 4 - Deposits with banks and other financial institutions Note 5 - Investment securities Note 6 - Financing assets Note 7 - Property, plant and equipment Note 8 - Intangible assets Note 9 - Other assets Note 10 - Deposits from customers Note 11 - Deposits of banks and other financial institutions Note 12 - Provision for zakat and taxation Note 13 - Other liabilities Note 14 - Reserves Note 15 - Income from investments Note 16 - Income from financing Note 17 - Income attributable to the depositors Note 18 - Income from banking services Note 19 - Other Income Note 20 - Personnel expenses Note 21 - Other Expenses

FS Type

Islamic Bank Name Consolidated Statement of Financial Position As at Dec 31, 2012

Note

BA BA1 BA2 BA3 BA4 BA5 BA6 BA7 BA8 BA9 BA10 BA11 BAT BL BL1 Bl1-1 Bl1-2 BL2 BL2-1 BL2-2 BL3 BL4 BL5 BL6 BL7 BL8 BLT BE BE1 BE2 BE3 BET BI BLET

ASSETS Cash and Balances with Central Bank and Others Deposits with Banks and Other Financial Institutions Investment Securities Financing Assets Investment in Associates Derivative Financial Assets Investment Properties Property, Plant and Equipment Deferred Tax Assets Intangible Assets Other Assets Total Assets LIABILITIES Deposits from Customers - Risk Sharing - Non Risk Sharing Deposits of Banks and Other Financial Institutions - Risk Sharing - Non Risk Sharing Bills and Acceptances Payable Derivative Financial Liabilities Subordinated Financing Provision for Zakat and Taxation Deferred Tax Liabilities Other Liabilities Total Liabilities EQUITY Share Capital and Share Premium Reserves Retained Earnings Total Shareholders' Equity Non-controlling Interest Total Liabilities and Equity

3 4 5 6

7 8 9

10

11

12 13

14

FS Type

Islamic Bank Name Consolidated Statement of Income Fo the year ended Dec 31, 2012

Note 15 16 17 18 19

II1 II2 II3 II4 II5 IIT IX1 IX2 IX3 IX4 IX5 IX6 IXT IP1 IP2 IP3 IP4 IP5 IP IR IR1

Income from Investment Portfolio Income from Financing Income attributable to the Depositors Income from Banking Services Other Income Total Income Personnel Expenses Depreciation and Amortization Finance Cost Other Expenses Allowances for Impaired Assets Provision for Commitments and Contingencies Total Expenses and Provisions Profit before Zakat and Taxation Zakat Taxation Profit for the Financial Year after Zakat and Taxation Non-controlling Interest Profit for the year Earning per share - Basic/diluted

20

21

Code KFR KFRa KFRa-1 KFRa-2 KFRa-3 KFRa-4 KFRa-7 KFRa-8 KFRa-9 KFRb KFRb-1 KFRb-2 KFRb-3 KFRb-4 KFRb-5 KFRc KFRC-1 KFRC-2 KFRC-5 KFRC-6 KFRC-7 KFRC-8 KFRd KFRd-1 KFRd-2 KFRd-3 KFRd-4 KFRd-5 KFRd-6 KFRd-7 KFRd-8 KFRe KFRe-1 KFRe-2 KFRe-3 KFRf KFRf-1 KFRf-2 KFRg KFRg-1 KFRg-2 KFRg-3 KFRg-4 KFRg-5 KFRg-6 KFRg-7 KFRg-8 KFRg-9 KFRg-10 KFRg-11 KFRg-12 KFRg-13 KFRg-14 KFRg-15 KFRg-16 KFRg-17 KFRh KFRh-1 KFRh-2 KFRh-3 KFRh-4 KFRh-5 KFRh-6 KFRh-7 KFRh-8 KFRh-9 KFRh-10 KFRh-11 KFRh-12 KFRh-13 KFRh-14 KFRh-15

Index Key Financial Ratios - Profitability Return on Assets (ROA) Return on Equity (ROE) Return on Revenue (ROR) Profit Expense Ratio Profit Coverage Ratio Book Value Per Share Cash Flow Per Share - Liquidity and Funding Financing to Deposit Ratio Financing to Assets Ratio Interbank Ratio Investment Portfolio to Asset Ratio Liquid Asset Ratio - Risk and Capital Debt to Equity Ratio Debt to Asset Ratio Equity to Asset Ratio Equity to Debt Ratio Asset to Equity Ratio Equity to Financing Ratio - Efficiency Cost to Income Ratio Expenses to Total Assets Ratio Income to Assets Ratio Income to Expense Ratio Net Financing Ratio Other Income to Total Income Ratio Personnel Expenses to Total Expenses Ratio Banking Services to Total Income Ratio - Asset Quality Gross Impaired Financing Ratio Net Impaired Financing Ratio Financing Loss Coverage Ratio - Deployment Investment to Equity & Deposit Ratio Investment to Liability Ratio - Islamic Contracts Sale-Based Financing Ratio Income from Sale-Based Financing to Income Ratio Lease-based Financing Ratio Income from Lease-based to Income Ratio Future Sale Financing Ratio Income from Future Sale Financing Ratio Fixed Income Financing Ratio Income From Fixed Income Financing to Income Ratio Fee-based Financing Ratio Income From Fee-based Financing to Income Ratio Customer Investment Accounts to Deposit Ratio Derivatives to Asset Ratio Bai' Al-Inah Financing Ratio Bai' Bithaman Ajil Financing Ratio Tawarruq Financing Ratio Mudharabah Financing Ratio Musharakah Financing Ratio - Maqasid of Shariah Personnel Directors Depositors Society Shareholders Risk Sharing Financing Ratio Risk Sharing Financing to Deposit Ratio Risk Sharing Financing to Risk Sharing Deposit Ratio Income From Risk Sharing Financing to Income Ratio Qard Financing Ratio Qard Financing to Deposit Ratio Zakat to Profit Ratio R&D Financing Ratio Personnel Training Expense Ratio

Cell: B6 Comment: =(Profit before zakat and taxation / Total assets) OR =(IP1 / BAT) Cell: B7 Comment: =(Profit before zakat and taxation / Total Shareholders' equity) OR =(IP1 / BET) Cell: B8 Comment: =(Profit before zakat and taxation / (Income from Investment Portfolio + Gross Income from Financing + Income from Banking Services + Other Income )) OR =(IP1 / (II1 + N16a7 + II3 + II4)

Cell: B9 Comment: =(Profit before zakat and taxation / Total expenses) OR =(IP1 / ABS(IX1+IX2+IX3+IX4)) Cell: B10 Comment: =(Profit before zakat and taxation / Income attributable to depositors) OR =(IP1 / ABS(II3))

Cell: B11 Comment: =Total Shareholders' Equity / Number of Shares OR =BET / IF-4

Cell: B12 Comment: =(Profit for the Year + Depreciation and Amortization) / Number of Shares OR =(IP+ABS(IX2)) / IF-4 Cell: B15 Comment: =(Gross Financing assets / Deposit from customers + Deposits of Banks and Other Financial Institutions) OR =(N6a8 / (BL1 + BL2)) Cell: B16 Comment: =(Financing assets / Total assets) OR =(BA4 / BAT) Cell: B17 Comment: =(Cash and balances with banks and other financial institutions + Deposits with Banks and Other Financial Institutions) / Deposits of banks and other financial institutions OR =(N3-4 + BA2) / BL2

Cell: B18 Comment: =(Investment securities+Investment in associates+Investment properties) / Total assets) OR =((BA3 + BA5 + BA7) / BAT)

Cell: B19 Comment: =(((Cash and Balances with Central Bank and Others - Cash reserve with central bank)+ Deposits with Banks and Other Financial Institutions) / Total Assets) OR =(((BA1 - N3-2)+ BA2) / BAT)

Cell: B22 Comment: =(Total liabilities / Total equity) OR =(BLT / BET) Cell: B23 Comment: =(Total liabilities / Total assets)

OR =(BLT / BAT) Cell: B24 Comment: =(Total equity / total assets) OR =(BET / BAT)

Cell: B25 Comment: =(Total equity / total liabilities) OR =(BET / BLT)

Cell: B26 Comment: =(Total assets / Total equity) OR =(BAT / BET)

Cell: B27 Comment: =(Total Equity / Financing assets) OR =(BET / BA4)

Cell: B30 Comment: =(Total expenses / Total income) OR =(ABS(IX1+IX2+IX3+IX4) / IIT)

Cell: B31 Comment: =(Total expenses / Total Assets) OR =(ABS(IX1+IX2+IX3+IX4) / BAT) Cell: B32 Comment: =(Total income / Total Assets) OR =(IIT / BAT)

Cell: B33 Comment: =(Total income /Total expenses ) OR =(IIT / ABS(IX1+IX2+IX3+IX4)) Cell: B34 Comment: =(Income from financing / Total assets) OR =(II2 / BAT)

Cell: B35 Comment: =((Income from banking services +Other Income)/Total Income) OR =((II4+II5) / IIT) Cell: B36 Comment: =(Personnel Expenses / Total Expenses ) OR =(ABS(IX1) / ABS(IX1+IX2+IX3+IX4) Cell: B37 Comment: =(Income from banking services /Total Income) OR =(II4 / IIT) Cell: B40 Comment: =(Gross Impaired Financing Assets / Gross Financing Assets) OR

=(N6-IFa8 / N6a8) Cell: B41 Comment: =(Net Impaired Financing Assets / Net Financing Assets) OR =(N6-IFaT / BA4)

Cell: B42 Comment: =(ABS(General Provision for impairment + Specific Provision for impairment) / Gross financing assets) OR =((N6a10+N6a11) / N6a8) Cell: B45 Comment: =(Investment securities+Investment in associates+Investment properties) / (Total Equity + Total Deposits) OR =((BA3 + BA5 + BA7) / (BAE+ BL1 )

Cell: B46 Comment: =(Investment securities+Investment in associates+Investment properties) / Total Liabilities) OR =((BA3 + BA5 + BA7) / BLT

Cell: B48 Comment: We can add more ratios here,according to each contract. For instance, If we want to check whether Bay al-Inah is pacticed by the Islamic banks anymore, or BBA, and so on. As they have Shariah issues. Cell: B49 Comment: =(Total Sale-Based Financing / Gross Financing Assets) OR =(N6a1T / N6a8) Cell: B50 Comment: =(Income from Sale-Based Financing / Total income) OR =(N16b1T / IIT)

Cell: B51 Comment: =(Total Lease-based Financing / Gross Financing Assets) OR =(N6a3T / N6a8)

Cell: B52 Comment: =(Income from Lease-based Financing / Total income) OR =(N16b3T / IIT)

Cell: B53 Comment: =(Total Future Sale Financing / Gross Financing Assets) OR =(N6a2T / N6a8)

Cell: B54 Comment: =(Income from Future Sale financing / Total income) OR =(N16b2T / IIT)

Cell: B55 Comment: =(Total fixed income financing / Gross Financing Assets) OR =(N6a123T / N6a8)

Cell: B56 Comment: =(Income from fixed income financing / Total income) OR

=(N16b123T / IIT) Cell: B57 Comment: =(Total Fee- based financing / Gross Financing Assets) OR =(N6a5T / N6a8)

Cell: B58 Comment: =(Income from Fee-based financing / Total income) OR =(N16b5T / IIT) Cell: B59 Comment: = ((General Investment Account+Special Investment Account) / (Total Customer Deposit)) OR =((N10b1-3 + N10b1-4) / N10bT)

Cell: B60 Comment: =(Derivative Financial Assets / Total Assets) OR =(BA6 / BAT) Cell: B61 Comment: =(Bai' Al-Inah / Gross Financing Assets) OR =(N6a1-1 / N6a8) Cell: B62 Comment: =(Bai' Bithaman Ajil / Gross Financing Assets) OR =(N6a1-2 / N6a8)

Cell: B63 Comment: =(Tawarruq / Gross Financing Assets) OR =(N6a1-8 / N6a8)

Cell: B64 Comment: =(Mudharabah / Gross Financing Assets) OR =(N6a4-1 / N6a8)

Cell: B65 Comment: =(Musharakah / Gross Financing Assets) OR =(N6a4-2 / N6a8)

Cell: B68 Comment: =Personnel Expenses / Revenue (Revenue=Income from investment portfolio + Gross income from financing + income from banking services + other income) OR =ABS(IX1) / (II1 + N16a7 + II4 +II5)

Cell: B69 Comment: =Directors remuneration / Revenue OR =N21-15 / (II1 + N16a7 + II4 +II5)

Cell: B70 Comment: = Income attributable to depositors / Revenue OR =II3 / (II1 + N16a7 + II4 +II5)

Cell: B71 Comment: =(Qard Financing + Donations + Zakat +Tax +contribution to social and sport activities) / Revenue OR =(N6a6 + N21-11 + ABS(IP2) + ABS(IP3) + N13-8) / (II1 + N16a7 + II4 +II5)

Cell: B72 Comment: =Profit for the year / Revenue OR =IP / (II1 + N16a7 + II4 +II5)

Cell: B73 Comment: =(Total risk sharing financing / Gross financing assets) OR =(N6a4T / N6a8)

Cell: B74 Comment: =(Total risk sharing financing / ( Deposits from customers + Deposits of banks and other financial institutions) OR =(N6a4T / (BL1 + BL2)) Cell: B75 Comment: =(Total risk sharing financing / (Risk sharing Deposits from customers + Risk sharing Deposits of banks and other financial institutions) OR =(N6a4T / (BL1-1 + BL2-1)) Cell: B76 Comment: =(Income from risk sharing financing / Total income) OR =(N16b4T / IIT)

Cell: B77 Comment: =(Qard / Gross Financing Assets) OR =(N6a6 / N6a8)

Cell: B78 Comment: =(Qard / (Deposits from customers + Deposits of banks and other financial institutions) OR =(N6a6 / (BL1 + BL2))

Cell: B79 Comment: =(Zakat / Profit before Zakat and Taxation) OR =(IP2 / IP1) Cell: B80 Comment: =(Research & Development / Gross financing assets) OR =(N6b-14 / N6bT )

Cell: B81 Comment: =(Trainig / Total Expense) OR =(N20-3/ ABS(IX1+IX2+IX3+IX4))

Code KFR KFRa KFRa-5 KFRa-6 KFRc KFRC-3 KFRC-4 IF IF-1 IF-2 IF-3 IF-4 IF-5

Index Key Financial Ratios - Static - Profitability Earnings Per Share (sen) Dividend Pay-Out - Risk and Capital Core Capital Ratio Risk-weighted Capital Ratio Information Number of Branches Number of Employees Number of Customers Number of Shares ('000) Share Price

2012

76,9 0.00%

0.00% 0.00%

2011

2010

2009

2008

Abbreviation

73,9 0.00%

76,7 0.00%

1,226.00 0.00%

1,449.00 0.00%

EPS DPO

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

0.00% 0.00%

CCR RWCR

#Branch #Emloyee #Customer #Share Share$

Code KFR GR GR-1 GR-2 GR-3 GR-4 GR-5 GR-6

Index Key Financial Ratios - Horizontal Growth Rate Total Assets Total Equity Total Deposits Total Financing Total Investment Portfolio Net Profit

2012

2011

2010

14.84% 7.43% 15.29% NA 15.09% 310.93%

14.71% 46.52% 12.08% NA 4.66% 4.16%

18.65% 0.43% 20.71% NA -48.92% -54.89%

2009

2008

Abbreviation

26.98% 5.27% 31.12% NA -73.10% -11.49%

TA TE TD TNF TIP NP

Total Deposits = Deposits from Customers + Deposits of Banks and Othe OR =BL1 + BL2 : = (((BL1 (2012)+BL2(2012)) / ((BL1 (2011)+BL2(2011))) Investment Portfolio = Investment Securities + Investment in Associates

s + Deposits of Banks and Other Financial Institutions

2011))) -1

ies + Investment in Associates + Investment Properties

Code BOD

Index Board of Directors

Name

BOD-1 BOD-2 BOD-3 BOD-4 BOD-5 BOD-6

AA Yousuf SA Randeere M Yousuf Baker Lenasia Ladium Sa chohan

Position

Chairman vice chairman Vice chairman Manager Manager chief exective

Code SHB

Index Shariah Board/Committee

Name

SHB-1 SHB-2 SHB-3 SHB-4 SHB-5 SHB-6

Muhammad Taqi Usmani Muhammad Ashraf Usmani shoaib umar Mufti Zubair byat

Position

chairman chairman chairman chairman

Index FS Type

HORIZONTAL ANALYSIS ISLAMIC BANK NAME Consolidated Statement of Financial Position 2012 % 2011 %

AHA AHA1 AHA2 AHA3 AHA4 AHA5 AHA6 AHA7 AHA8 AHA9 AHA10 AHA11 AHAT LHA LHA1 LHA1-1 LHA1-2 LHA2 LHA2-1 LHA2-2 LHA3 LHA4 LHA5 LHA6 LHA7 LHA8 LHAT EHA EHA1 EHA2 EHA3 EHA4 EHA5 EHAT

ASSETS Cash and Balances with Central Bank and Others Deposits with Banks and Other Financial Institutions Investment Securities Financing Assets Investment in Associates Derivative Financial Assets Investment Properties Property, Plant and Equipment Deferred Tax Assets Intangible Assets Other Assets Total Assets LIABILITIES Deposits from Customers - Risk Sharing - Non Risk Sharing Deposits of Banks and Other Financial Institutions - Risk Sharing - Non Risk Sharing Bills and Acceptances Payable Derivative Financial Liabilities Subordinated Financing Provision for Zakat and Taxation Deferred Tax Liabilities Other Liabilities Total Liabilities EQUITY Share Capital and Share Premium Reserves Retained Earnings Total Shareholders' Equity Non-controlling Interest Total Liabilities and Equity

10.51% NA 15.09% NA NA NA NA -7.60% 55.52% 2.96% 15.03% 14.84%

-1.77% NA 4.66% NA NA NA NA -3.48% -8.59% -16.32% 17.67% 14.71%

15.29% NA 15.29% NA NA NA 142.95% NA NA NA NA 18.35% 15.70%

12.08% NA 12.08% NA NA NA -26.74% NA NA NA NA 13.63% 11.89%

0.00% -100.00% NA 7.43% NA 14.84%

69.91% 2.26% NA 46.52% NA 14.71%

FS Type

ISLAMIC BANK NAME Consolidated Statement of Income 2012 % 2011 %

IHA1 IHA2 IHA3 IHA4 IHA5 IHAT XHA1 XHA2 XHA3 XHA4 XHA5 XHA6 XHAT PHA1 PHA2 PHA3 PHA4 PHA5 PHAT

Income from Investment Portfolio Income from Financing Income attributable to the Depositors Income from Banking Services Other Income Total Income Personnel Expenses Depreciation and Amortization Finance Cost Other Expenses Allowances for Impaired Assets Provision for Commitments and Contingencies Total Expenses and Provisions Profit before Zakat and Taxation Zakat Taxation Profit for the Financial Year after Zakat and Taxation Non-controlling Interest Profit for the year

11.11% NA -11.49% NA -100.00% 27.37% 100.00% NA -2.71% -11.54% -330.17% NA -12.07% 133.58% NA 56.35% 310.93% NA 310.93%

5.22% NA -1.49% NA 39.73% 13.25% -20.94% NA -3.26% -8.48% -76.88% NA -8.48% 63.00% NA -312.73% 4.16% NA 4.16%

2010 %

2009 %

Trend

46.39% -100.00% 10.77% NA NA NA -100.00% -20.87% 29.64% NA 53.31% 18.65%

3.62% 132.73% 9.43% NA NA NA -83.65% 362.67% 20.25% NA 12.81% 26.98%

20.71% NA 20.71% NA NA NA 10.68% NA NA NA NA -0.41% 20.58%

31.12% NA 31.12% NA NA NA -25.47% NA NA NA NA -53.08% 29.82%

0.00% 1.24% NA 0.43% NA 18.65%

0.00% 17.09% NA 5.27% NA 26.98%

2010 %

2009 %

Trend

143.19% NA NA -100.00% 546.22% 12.81% -956.57% NA -512.47% -14.72% 54.94% NA -23.62% -41.03% NA -294.17% -54.89% NA -54.89%

3.46% NA NA 0.42% 24.87% 3.58% 78.71% NA -114.14% -25.72% 52.35% NA -23.26% -42.28% NA 110.78% -11.49% NA -11.49%

Index FS Type

VERTICAL ANALYSIS ISLAMIC BANK NAME Consolidated Statement of Financial Position 2012 % 2011 %

AVA AVA1 AVA2 AVA3 AVA4 AVA5 AVA6 AVA7 AVA8 AVA9 AVA10 AVA11 AVAT LVA LVA1 LVA1-1 LVA1-2 LVA2 LVA2-1 LVA2-2 LVA3 LVA4 LVA5 LVA6 LVA7 LVA8 LVAT EVA EVA1 EVA2 EVA3 EVA4 EVA5 EVAT

ASSETS Cash and Balances with Central Bank and Others Deposits with Banks and Other Financial Institutions Investment Securities Financing Assets Investment in Associates Derivative Financial Assets Investment Properties Property, Plant and Equipment Deferred Tax Assets Intangible Assets Other Assets Total Assets LIABILITIES Deposits from Customers - Risk Sharing - Non Risk Sharing Deposits of Banks and Other Financial Institutions - Risk Sharing - Non Risk Sharing Bills and Acceptances Payable Derivative Financial Liabilities Subordinated Financing Provision for Zakat and Taxation Deferred Tax Liabilities Other Liabilities Total Liabilities EQUITY Share Capital and Share Premium Reserves Retained Earnings Total Shareholders' Equity Non-controlling Interest Total Liabilities and Equity

8.25% 0.62% 0.23% 0.00% 0.00% 0.00% 0.00% 1.97% 0.37% 0.53% 88.04% 100.00%

8.58% 0.00% 0.23% 0.00% 0.00% 0.00% 0.00% 2.44% 0.27% 0.59% 87.89% 100.00%

89.43% 0.00% 89.43% 0.00% 0.00% 0.00% 0.60% 0.00% 0.00% 0.00% 0.00% 0.26% 90.28%

89.08% 0.00% 89.08% 0.00% 0.00% 0.00% 0.28% 0.00% 0.00% 0.00% 0.00% 0.25% 89.61%

6.86% 0.00% 2.85% 9.72% 0.00% 100.00%

7.88% 2.51% 0.00% 10.39% 0.00% 100.00%

FS Type

ISLAMIC BANK NAME Consolidated Statement of Income 2012 % 2011 % 92.54%

IVA1

Income from Investment Portfolio

85.95%

IVA2 IVA3 IVA4 IVA5 IVAT XVA1 XVA2 XVA3 XVA4 XVA5 XVA6 XVAT PVA1 PVA2 PVA3 PVA4 PVA5 PVAT

Income from Financing Income attributable to the Depositors Income from Banking Services Other Income Total Income Personnel Expenses Depreciation and Amortization Finance Cost Other Expenses Allowances for Impaired Assets Provision for Commitments and Contingencies Total Expenses and Provisions Profit before Zakat and Taxation Zakat Taxation Profit for the Financial Year after Zakat and Taxation Non-controlling Interest Profit for the year

0.00% -45.44% 14.05% 0.00% 54.56% 0.00% 0.00% -3.18% -37.53% -1.26% 0.00% -41.96% 12.60% 0.00% -1.14% 11.46% NA 11.46%

0.00% -48.76% 0.00% 7.46% 51.24% -0.49% 0.00% -3.70% -40.24% -0.35% 0.00% -44.79% 6.45% 0.00% -3.11% 3.34% NA 3.34%

2010 %

2009 %

Trend

10.02% 0.00% 0.26% 0.00% 0.00% 0.00% 0.00% 2.90% 0.34% 0.81% 85.68% 100.00%

8.12% 20.32% 0.27% 0.00% 0.00% 0.00% 0.32% 4.35% 0.31% 0.00% 66.31% 100.00%

91.17% 0.00% 91.17% 0.00% 0.00% 0.00% 0.44% 0.00% 0.00% 0.00% NA 0.26% 91.87%

89.62% 0.00% 89.62% 0.00% 0.00% 0.00% 0.47% 0.00% 0.00% 0.00% NA 0.30% 90.39%

5.32% 2.81% 0.00% 8.13% 0.00% 100.00%

6.31% 3.29% 0.00% 9.61% 0.00% 100.00%

2010 % 94.28%

2009 % 90.17%

Trend

Revenue =( Income from investment portfolio + Gross Income from financing + Income from banking Services + Other incom OR Revenue= II1 + N16a7 + II4 + II5

0.00% -51.50% 0.00% 5.72% 48.50% -0.44% 0.00% -3.84% -39.77% -0.21% 0.00% -44.26% 4.24% 0.00% -0.81% 3.43% NA 3.43%

0.00% 0.00% 7.77% 2.06% 100.00% -0.10% 0.00% -1.46% -80.62% -1.09% 0.00% -83.27% 16.73% 0.00% 0.97% 17.70% NA 17.70%

OR Revenue= II1 + N16a7 + II4 + II5

estment portfolio + Gross Income m banking Services + Other income)

Code N1 N1-1 N1-2 N1-3 N1-4 N1-5 N1-6 N1-7 N1-8 N1-9 N1-10 N1-11 N1-12 N1-13 N1-14 N1-15 N1-16

Index 1. Incorporation and principle activities Name of the Bank Country City Address Zip Code Website Phone Fax Date of Commencement Status Specialization Source Functional Currency Functional Currency Symbol Number of Branches Number of Employees Albaraka Bank Southafrica durban albaraka bank limted first floor durban 4001 50200 www.albaraka.co.za

June 1, 2002 Active Islamic Bank Annual Report us$'000 $ 12 counries morethan 280 branches -

Code N2

Index 2. Accounting policies and significant accounting policies AAOIFI IFRS Combinations of AAOIFI, IFRS, and Local GAAP

Code N3 N3-1 N3-2 N3-3 N3-4 N3T

Index 3. Cash and Balances with Central Bank and Others Cash in hand and money at call (maturing within one month) Cash reserve with central bank Other Balances with central bank Cash and balances with banks and other financial institutions

2012

2011

2010

2009

3,154 188,742 50,000 64,656 306,552

3,096 53,691 165,861 54,744 277,392

4,996 97,282 108,406 71,698 282,382

5,146 43,081 67,631 77,043 192,901

2008

4,394 33,733 79,720 68,308 186,155

Index 4. Deposits with Banks and Other Financial Institutions (a) General Banks Central Bank Other financial institutions

2012

2011

2010

2009

2008

22,903 22,903

480,028 2,773 482,801

205,083 2,365 207,448

(b) By type of account Deposits with Banks Internal banks - Current accounts - Mudaraba placements - Wakala placements Foreign banks - Current accounts - Mudaraba placements - Wakala placements

Deposits with Other Financial Institutions - Commodity Murabaha - Murabaha - Mudaraba - Musharakah - Others -Less: provision for impairment

22,903 22,903 22,903

224,197 1,071,083 2,380 (17,092) 1,280,568 482,801

213,890 920,612 (15,560) 1,118,942 207,448

Index 5. Investment Securities - Held for Trading (At fair value) - Held to Maturity (At amortised cost less impairment losses) - Available for Sale (At fair value)

2012

2011

2010

2009

2008

4,976 2,677 1,066 8,719

4,639 2,642 295 7,576

3,935 2,627 677 7,239

3,935 2,600 6,535

3,372 2,600 5,972

Code N6 N6a N6a1-1 N6a1-2 N6a1-3 N6a1-4 N6a1-5 N6a1-6 N6a1-7 N6a1-8 N6a1-9 N6a1T N6a2-1 N6a2-2 N6a2T N6a3-1 N6a3-2 N6a3-3 N6a3T N6a123T N6a4-1 N6a4-2 N6a4-3 N6a4T N6a5-1 N6a5-2 N6a5-3 N6a5-4

Index 6. Financing Assets (a) By Contract Bai' Al-Inah Bai' Bithaman Ajil Bai' Al-Dayn Bai' Muajjal Murabaha Commodity Murabaha Musawama Tawarruq Tijarah Total Sale-Based Financing Istisnaa Salam (Salaf) Total Future Sale Financing Ijarah Ijarah Muntahiah Bittamleek Ijarah Thumma Al-Bai (AITAB) Total Lease-based Financing Total Fixed Income financing Mudharabah Musharakah Musyarakah Mutanaqisah (Diminishing Musharakah) Total Risk Sharing Financing Rahn Kafalah Hawalah Jualah

2012

2011

2010

2009

N6a5-5 N6a5-6 N6a5T N6a6 N6a7 N6a8 N6a9 N6a10 N6a11 N6aT N6b N6b-1 N6b-2 N6b-3 N6b-4 N6b-5 N6b-6 N6b-7 N6b-8 N6b-9 N6b-10 N6b-11 N6b-12 N6b-13 N6b-14 N6b-15 N6bT N6c N6c-1 N6c-2 N6c-3 N6c-4 N6cT

Wakalah Ujrah Total Fee-based Financing Qard (benevolent loan) Others Gross Financing Assets Less: Deferred profit - General Provision for impairment - Specific Provision for impairment Net financing assets (b) By Sector Agriculture Telecomunication Mining and quarrying Manufacturing Electricity, gas and water Construction Real estate Wholesale & retail trade Transport, storage and communication Finance, insurance and business services Education and health Household Hotel and restaurant Research & development Others Gross financing assets (c) By Maturity Structure Maturing within one year More than one year to three years More than three years to five years Over five years Gross financing assets

N6-IF N6-IFa N6-IFa1-1 N6-IFa1-2 N6-IFa1-3 N6-IFa1-4 N6-IFa1-5 N6-IFa1-6 N6-IFa1-7 N6-IFa1-8 N6-IFa1-9 N6-IFa1T N6-IFa2-1 N6-IFa2-2 N6-IFa2T N6-IFa3-1 N6-IFa3-2 N6-IFa3-3 N6-IFa3T N6-IFa123T N6-IFa4-1 N6-IFa4-2 N6-IFa4-3 N6-IFa4T N6-IFa5-1 N6-IFa5-2 N6-IFa5-3 N6-IFa5-4

Impaired / Non-Performing Financing (a) By Contract Bai' Al-Inah Bai' Bithaman Ajil Bai' Al-Dayn Bai' Muajjal Murabaha Commodity Murabaha Musawama Tawarruq Tijarah Total Sale-Based Financing Istisnaa Salam (Salaf) Total Future Sale Financing Ijarah Ijarah Muntahiah Bittamleek Ijarah Thumma Al-Bai (AITAB) Total Lease-based Financing Total Fixed Income financing Mudharabah Musharakah Musyarakah Mutanaqisah (Diminishing Musharakah) Total Risk Sharing Financing Kafalah Hawalah Jualah Wakalah -

N6-IFa5-5 N6-IFa5-6 N6-IFa5T N6-IFa6 N6-IFa7 N6-IFa8 N6-IFa9 N6-IFaT N6-IFb N6-IFb-1 N6-IFb-2 N6-IFb-3 N6-IFb-4 N6-IFb-5 N6-IFb-6 N6-IFb-7 N6-IFb-8 N6-IFb-9 N6-IFb-10 N6-IFb-11 N6-IFb-12 N6-IFb-13 N6-IFb-14 N6-IFb-15 N6-IFbT

Ujrah Rahn Total Fee-based Financing Qard (benevolent loan) Others Gross Impaired Financing Assets Less: Specific Allowances for Impairment Net Impaired Financing Assets (b) By Sector Agriculture Telecomunication Mining and quarrying Manufacturing Electricity, gas and water Construction Real estate Wholesale & retail trade Transport, storage and communication Finance, insurance and business services Education and health Household Hotel and restaurant Research & development Others Gross Impaired Financing Assets

2008

Code N7 N7-1 N7-2 N7-3 N7-4 N7-5 N7-T

Index 7. Property, Plant and Equipment Freehold land and buildings Equipment, furniture and fittings IT equipment Motor Vehicles Work in progress Total

2012

2011

50,051 8,456 12,077 1,390 1,034 73,008

54,280 7,560 13,316 1,524 2,337 79,017

2010

2009

2008

58,511 7,585 14,081 1,689 81,866

62,739 6,108 33,167 1,443 103,457

5,538 15,670 1,153 22,361

Index 8. Intangible Assets Goodwill Computer Software Others

2012

2011

2010

2009

2008

1,022 18,548 19,570

632 18,375 19,007

631 22,082 22,713

Index 9. Other Assets Accrued profit Income receivable Deposits and prepayments Sundry debtors Clearing accounts Amount due from holding company/subsidiaries/ related companies Tax recoverable Others

2012

2011

2010

2009

2008

3,269,804 3,269,804

2,842,473 2,842,473

2,415,710 2,415,710

17,948 153,403 1,404,324 1,575,675

9,752 143,415 1,243,528 1,396,695

Code N10 N10a N10a-1 N10a-2 N10a-3 N10a-4 N10aT N10b N10b1 N10b1-1 N10b1-2 N10b1-3 N10b1-4 N10b1-5 N10b1-6 N10b1T N10b2 N10b2-1 N10b2-2 N10b2-3 N10b2-4 N10b2-5 N10b2-6 N10b2T N10bT N10c N10c-1 N10c-2 N10c-3 N10c-4 N10cT

Index 10. Deposits from Customers (a) General Current accounts Savings accounts Fixed accounts Others

2012

2011

2010

2009

2008

9,922 3,311,582 3,321,504

15,437 2,865,591 2,881,028

65,328 2,505,266 2,570,614

206,971 1,922,689 2,129,660

185,412 1,438,744 1,624,156

(b) By Type of deposit Risk Sharing Demand deposits Savings deposits General investment accounts Special investment accounts Negotiable instruments of deposits Others

Non-risk sharing Demand deposits Savings deposits Negotiable Islamic Debt Certificates Fixed return investment deposits Commodity Murabahah Others

9,922 3,311,582 3,321,504 3,321,504

15,437 2,865,591 2,881,028 2,881,028

65,348 2,505,266 2,570,614 2,570,614

206,971 1,922,689 2,129,660 2,129,660

185,412 1,438,744 1,624,156 1,624,156

(c) By Sector Business enterprises Government and statutory bodies Individuals Others 9,922 3,311,582 3,321,504 15,437 2,865,591 2,881,028 65,348 2,505,266 2,570,614 2,129,660 2,129,660 1,624,156 1,624,156

Code N11 N11a N11a-1 N11a-2 N11a-3 N11aT N11b N11b1 N11b1-1 N11b1-2 N11b1-3 N11b1T N11b2 N11b2-1 N11b2-2 N11b2-3 N11b2T N11bT

Index 11. Deposits of Banks and Other Financial Institutions (a) General Banks Central Bank Other financial institutions

2012

2011

2010

2009

2008

(b) By Type of deposit Risk Sharing Banks Central Bank Other financial institutions

Non-risk sharing Banks Central Bank Other financial institutions

Code N12 N12-1 N12-2 N12T

Index 12. Provision for Zakat and Taxation Zakat Taxation

2012

2011

2010

2009

2008

7,974 7,974

1,932 1,932

Code N13 N13-1 N13-2 N13-3 N13-4 N13-5 N13-6 N13-7 N13-8 N13-9 N13-10 N13-11 N13-12 N13T

Index 13. Other Liabilities Accrued expenses Accrued profit Income payable Dividends payable Profit Equalisation Reserve Sundry creditors Charity payable Contribution to Social and sports activities Amount due to holding company Employees' end of service benefits Clearing accounts Other payables and accruals

2012

2011

2010

2009

2008

9,687 9,687

8,185 8,185

7,203 7,203

3,246 3,987 7,233

2,644 12,771 15,415

Code N14 N14-1 N14-2 N14-3 N14-4 N14-5 N14-6 N14T

Index 14. Reserves Legal reserve Fair value reserve Risk reserve Foreign currency translation reserve General Reserve Others

2012

2011

2010

2009

2008

81,043 81,043

79,253 79,253

600 2,605 10,656 64,419 78,280

600 2,605 10,656 52,995 66,856

Code N15 N15-1 N15-2 N15-3 N15-4 N15-5 N15-6 N15-7 N15-8 N15T

Index 15. Income from Investment Portfolio Income from investments with banks and other financial institutions Income from investment in debt and equity type instruments Income from investment securities Income from investment in associates Income from derivatives Income from investment in properties and assets held for leasing Dividend income Other investments related income / (expense)

2012

2011

2010

2009

2008

240,181 23,060 263,241

204,529 26,399 5,999 236,927

180,378 37,060 7,743 225,181

186,052 27,789 (121,245) 92,596

172,490 23,415 (106,406) 89,499

Code N16 N16a N16a-1 N16a-2 N16a-3 N16a-4 N16aT N16b N16b1-1 N16b1-2 N16b1-3 N16b1-4 N16b1-5 N16b1-6 N16b1-7 N16b1-8 N16b1-9 N16b1T N16b2-1 N16b2-2 N16b2T N16b3-1 N16b3-2 N16b3-3 N16b3T N16b123T N16b4-1 N16b4-2 N16b4-3 N16b4T N16b5-1 N16b5-2 N16b5-3 N16b5-4 N16b5-5 N16b5-6 N16b5T N16a6 N16a7 N16a8 N16aT

Index 16. Income from Financing (a) General Income from financing, and other receivables Income from impaired financing Gross Income from Financing Amortisation of premium less accretion of discount Net Income from Financing (b) By Type of Contract Bai' Al-Inah Bai' Bithaman Ajil Bai' Al-Dayn Bai' Muajjal Murabaha Commodity Murabaha Musawama Tawarruq Tijarah Total Income from Sale-Based Financing Istisnaa Salam (Salaf) Total Income from Future Sale financing Ijarah Ijarah Muntahiah Bittamleek Ijarah Thumma Al-Bai (AITAB) Total Income from Lease-based Financing Total Income from Fixed Income Financing Mudharabah Musharakah Musyarakah Mutanaqisah (Diminishing Musharakah) Total Income from Risk Sharing Financing Kafalah Hawalah Jualah Wakalah Ujrah Rahn Total Income from Fee-based Financing Others Gross Income from Financing Amortisation of premium less accretion of discount Net Income from Financing

2012

2011

2010

2009

2008

Code N17 N17a N17a1 N17a1-1 N17a1-2 N17a2 N17a2-1 N17a2-2 N17a3-1 N17aT N17b N17b-1 N17b-2 N17b-3 N17bT

Index 17. Income attributable to the Depositors (a) By Type of depositors Deposits from customers Risk Sharing Non-Risk Sharing Deposits of banks and other financial institutions Risk Sharing Non-Risk Sharing Others

2012

2011

2010

2009

2008

139,175 139,175 139,175

124,829 124,829 124,829

123,002 123,002 123,002

(b) By Type of account Saving accounts Fixed accounts Others

139,175 139,175

124,829 124,829

123,002 123,002

Code N18 N18-1 N18-2 N18-3 N18-4 N18-5 N18T

Index 18. Income from Banking Services Fees and commission income Letter of credits and Guarantees Banking charges Others Less: Fees and commission expenses

2012

2011

2010

2009

2008

21,585 21,437 43,022

7,066 195 (7,261) -

8,531 63 (8,594) -

7,977 7,977

7,944 7,944

Code N19 N19-1 N19-2 N19T

Index 19. Other Income Foreign exchange transaction gain Others

2012

2011

2010

2009

2008

3,095 15,993 19,088

1,757 11,904 13,661

2,114 2,114

1,693 1,693

Code N20 N20-1 N20-2 N20-3 N20-4 N20-5 N20T

Index 20. Personnel Expenses Salaries and wages Allowance and bonuses Training Pension Fund Contribution Others

2012

2011

2010

2009

2008

1,265 1,265

1,046 1,046

99 99

465 465

Code N21 N21-1 N21-2 N21-3 N21-4 N21-5 N21-6 N21-7 N21-8 N21-9 N21-10 N21-11 N21-12 N21-13 N21-14 N21-15 N21-16 N21-17 N21-18 N21T

Index 21. Other Expenses Rental Utility and services Advertising and marketing expenses Legal and Professional fees Other Fees and charges IT expenses Business travelling expenses Maintenance and cleaning expense Takaful and insurance Stationery and printing Donations Security service expenses Hospitality and entertainment expenses Investment expenses Board of directors' remuneration Shriah committee remuneration Auditors' remuneration Others

2012

2011

2010

2009

2008

114,927 114,927

103,032 103,032

94,976 94,976

82,787 82,787

65,851 65,851