2012 HBL

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 HBL
Annul
1,421,212.00
79,704.00
66,953,330.00
15,035,670.00
1,333,512.00
145,048.00
202,532.00
16,716,762.00
85,171,008.00
68,454,246.00
1,610,308,572.00
1,477,270,812.00
133,037,760.00
0.64
5.09
0.80
5.90
6.54

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 HBL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 HBL

2009 HBL
Annul
1,520,857.00
199,653.00
52,171,540.00
12,979,505.00
781,886.00
99,389.00
168,247.00
14,029,027.00
67,921,077.00
53,892,050.00
924,699,403.00
828,448,632.00
96,250,771.00
0.71
4.84
0.79
5.63
6.34

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

11,793,597.00
481,504.00
92,201.00
168,784.00
12,536,086.00
53,107,811.00
40,571,725.00
749,806,715.00
683,498,128.00
66,308,587.00
0.80
4.24
0.76
5.00
5.80

Financial Performance

2,012.00

ROE
ROA
ROI

Annul
1,258,978.00
366,965.00
38,945,782.00

2,011.00

2,010.00

2011 HBL
Annul
1,424,290.00
44,024.00
64,255,567.00
14,062,091.00
1,586,161.00
116,014.00
126,449.00
15,890,715.00
81,614,596.00
65,723,881.00
1,139,554,205.00
1,029,967,217.00
109,586,988.00
0.74
5.14
0.81
5.94
6.69

2009 HBL
Annul
1,497,766.00
228,045.00
44,740,487.00
13,142,577.00
(138,302.00)
93,393.00
128,195.00
13,225,863.00
59,692,161.00
46,466,298.00
863,924,793.00
779,554,995.00
84,369,798.00
0.71
4.51
0.78
5.29
6.00

2,009.00

2,008.00

HBL
ROA

Financial Performances
NET income
Total Assets
ROA

2012
22355740
1610308572
0.013882892

2011
22333022
1139554205
0.019598034

2010
17034380
924699403
0.018421532

ROE

Financial Performances
NET income
SHE
ROE

2012
22355740
119025317
0.187823402

2011
22333022
100147132
0.223002113

2010
17034380
86842059
0.196153571

ROI

Financial Performances
NET income
Cost of investment
ROI

2012
22355740
797094548
0.028046535

2011
22333022
418604147
0.053351172

2010
17034380
254909116
0.066825307

2009
13400749
863924793
0.015511476

2008
10864112
749806715
0.014489217

2009
13400749
75133715
0.178358664

2008
10864112
63179222
0.17195704

2009
13400749
216467532
0.061906508

2008
10864112
129833446
0.083677298

2012 MCB
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 MCB
Annul
1,378,970.00
259,932.00
49,531,438.00
9,394,064.00
(2,018,225.00)
112,379.00
30,429.00
7,518,647.00
58,688,987.00
51,170,340.00
770,282,541.00
664,527,414.00
105,755,127.00
0.55
7.81
0.87
8.68
9.23

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 MCB
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 MCB

2009 MCB
Annul
1,012,161.00
160,352.00
39,501,718.00
7,218,085.00
(2,821,957.00)
68,851.00
57,798.00
4,522,777.00
45,197,008.00
40,674,231.00
570,481,863.00
488,482,736.00
81,999,127.00
0.55
9.99
0.90
10.89
11.44

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
815,205.00
142,005.00
30,255,403.00
6,479,968.00
(5,327,888.00)
99,931.00
55,601.00
1,307,612.00
32,520,225.00
31,212,613.00
443,615,904.00
385,179,850.00
58,436,054.00
0.56
24.87
0.96
25.83
26.39

2011 MCB
Annul
1,114,998.00
250,400.00
48,984,891.00
8,461,039.00
(1,787,294.00)
104,156.00
46,298.00
6,824,199.00
57,174,488.00
50,350,289.00
656,324,807.00
564,670,502.00
91,654,305.00
0.62
8.38
0.88
9.26
9.88

2009 MCB
Annul
909,471.00
153,397.00
34,095,108.00
6,471,114.00
(3,577,112.00)
74,073.00
46,979.00
3,015,054.00
38,173,030.00
35,157,976.00
511,741,878.00
439,428,598.00
72,313,280.00
0.53
12.66
0.92
13.58
14.11

9,867.00
9,177.00
690.00

8,886.00
8,307.00
579.00

7,775.00
7,218.00
557.00

6,966.00
6,471.00
495.00

MCB
ROA

Financial Performances
NET income
Total Assets
ROA

2012
20940696
765898992
0.027341329

2011
19424906
653233223
0.029736556

2010
16873175
567552613
0.029729711

ROE

Financial Performances
NET income
SHE
ROE

2012
20940696
119025317
0.175934806

2011
19424906
100147132
0.193963677

2010
16873175
69180011
0.243902462

ROI

Financial Performances
NET income
Cost of investment
ROI

2012
20940696
402068916
0.052082355

2011
19424906
316651613
0.061344725

2010
16873175
213060882
0.079194148

22.77

21.12

20.18

Eps

2009
15495297
509223727
0.030429252

2008
15374600
443615904
0.034657459

2009
15495297
61075932
0.253705453

2008
15374600
52244865
0.294279639

2009
15495297
167134465
0.09271156

2008
15374600
96631874
0.159104852

22.42

22.25

2012 UBL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 UBL
Annul
1,506,194.00
405,878.00
51,554,035.00
8,773,262.00
1,072,392.00
154,791.00
103,483.00
10,103,928.00
63,570,035.00
53,466,107.00
894,398,652.00
803,234,826.00
91,163,826.00
0.70
6.29
0.84
7.13
7.83

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 UBL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 UBL

2009 UBL
Annul
932,864.00
221,047.00
36,224,440.00
7,067,760.00
397,557.00
96,486.00
43,497.00
7,605,300.00
44,983,651.00
37,378,351.00
698,784,979.00
630,369,914.00
68,415,065.00
0.66
5.91
0.83
6.75
7.40

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
761,968.00
156,178.00
31,961,432.00
7,280,683.00
397,183.00
91,771.00
74,093.00
7,843,730.00
40,723,308.00
32,879,578.00
620,707,389.00
571,311,725.00
49,395,664.00
0.82
5.19
0.81
6.00
6.82

2011 UBL
Annul
1,234,055.00
300,667.00
44,851,949.00
7,748,487.00
822,848.00
126,949.00
52,997.00
8,751,281.00
55,137,952.00
46,386,671.00
778,059,741.00
698,906,833.00
79,152,908.00
0.70
6.30
0.84
7.14
7.84

2009 UBL
Annul
918,100.00
184,241.00
32,613,475.00
6,914,343.00
836,624.00
89,921.00
44,326.00
7,885,214.00
41,601,030.00
33,715,816.00
619,716,433.00
558,779,710.00
60,936,723.00
0.68
5.28
0.81
6.09
6.77

9,867.00
9,177.00
690.00
822,848.00

8,886.00
8,307.00
579.00

7,775.00
7,218.00
557.00

6,966.00
6,471.00
495.00

UBL
ROA

Financial Performances
NET income
Total Assets
ROA

2012
18006728
894398652
0.020132776

2011
15499663
778059741
0.019920916

2010
11159930
698784979
0.015970478

ROE

Financial Performances
NET income
SHE
ROE

2012
18006728
77627152
0.2319643

2011
15499663
70622933
0.219470678

2010
11159930
60180924
0.185439659

ROI

Financial Performances
NET income
Cost of investment
ROI

2012
18006728
349590182
0.051508106

2011
15499663
294410661
0.052646405

2010
11159930
224578556
0.049692768

14.71

12.66

9.12

Eps

2009
9192687
619716433
0.014833699

2008
8445251
620707389
0.013605849

2009
9192687
52276246
0.175848262

2008
8445251
45076576
0.187353427

2009
9192687
136145524
0.067521037

2008
8445251
115057090
0.073400527

8.56

7.51

2012 ALFALAH
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 ALFALAH
Annul
1,201,068.00
157,454.00
22,302,670.00
6,808,557.00
531,774.00
559,698.00
856,236.00
8,756,265.00
32,417,457.00
23,661,192.00
536,466,694.00
506,219,292.00
30,247,402.00
1.07
3.70
0.73
4.43
5.50

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 ALFALAH
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 ALFALAH

2009 ALFALAH
Annul
1,620,372.00
172,949.00
14,122,586.00
5,195,344.00
338,405.00
363,300.00
662,299.00
6,559,348.00
22,475,255.00
15,915,907.00
411,483,839.00
389,178,295.00
22,305,544.00
1.01
3.43
0.71
4.13
5.14

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
1,205,825.00
105,751.00
11,751,850.00
4,350,015.00
304,106.00
452,100.00
367,485.00
5,473,706.00
18,537,132.00
13,063,426.00
348,990,764.00
331,946,025.00
17,044,739.00
1.09
3.39
0.70
4.09
5.18

2011 ALFALAH
Annul
1,690,968.00
182,816.00
19,648,906.00
5,856,577.00
475,766.00
453,739.00
743,405.00
7,529,487.00
29,052,177.00
21,522,690.00
468,173,802.00
442,396,764.00
25,777,038.00
1.13
3.86
0.74
4.60
5.73

2009 ALFALAH
Annul
1,467,784.00
64,999.00
12,017,858.00
4,594,479.00
360,538.00
320,522.00
472,056.00
5,747,595.00
19,298,236.00
13,550,641.00
389,070,055.00
366,936,635.00
22,133,420.00
0.87
3.36
0.70
4.06
4.93

475,766.00

Alfalah
ROA

Financial Performances
NET income
Total Assets
ROA

2012
4556121
536466694
0.008492831

2011
3503130
468173802
0.007482542

2010
968452
411483839
0.00235356

ROE

Financial Performances
NET income
SHE
ROE

2012
4556121
25689740
0.177351775

2011
3503130
22839886
0

2010
968452
19726556
0.049093821

ROI

Financial Performances
NET income
Cost of investment
ROI

2012
4556121
189486762
0.024044535

2011
3503130
166531768
0.021035806

2010
968452
113425861
0.008538194

3.38

2.6

0.72

Eps

2009
897035
389070055
0.002305587

2008
1301301
348990764
0.003728755

2009
897035
19770260
0.045372949

2008
1301301
14608523
0.089078205

2009
897035
99159957
0.009046343

2008
1301301
75973238
0.017128413

0.71

1.41

2012 ABL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 ABL
Annul
1,245,227.00
0.00
31,503,982.00
7,624,731.00
696,781.00
118,894.00
40,274.00
8,480,680.00
41,229,889.00
32,749,209.00
631,915,482.00
580,999,622.00
50,915,860.00
0.81
4.86
0.79
5.66
6.47

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 ABL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 ABL

2009 ABL
Annul
854,869.00
0.00
24,153,445.00
6,044,326.00
667,663.00
126,298.00
21,905.00
6,860,192.00
31,868,506.00
25,008,314.00
449,931,526.00
413,956,669.00
35,974,857.00
0.89
4.65
0.78
5.43
6.32

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
420,242.00
0.00
15,038,730.00
4,870,236.00
140,804.00
68,420.00
35,471.00
5,114,931.00
20,573,903.00
15,458,972.00
366,695,669.00
344,340,055.00
22,355,614.00
0.92
4.02
0.75
4.77
5.69

2011 ABL
Annul
1,035,096.00
0.00
29,111,828.00
6,942,294.00
695,513.00
138,253.00
29,645.00
7,805,705.00
37,952,629.00
30,146,924.00
515,698,939.00
472,359,135.00
43,339,804.00
0.88
4.86
0.79
5.66
6.53

2009 ABL
Annul
636,943.00
0.00
20,160,239.00
4,924,926.00
784,411.00
97,871.00
31,541.00
5,838,749.00
26,635,931.00
20,797,182.00
418,374,331.00
388,414,353.00
29,959,978.00
0.89
4.56
0.78
5.34
6.23

ABL
ROA

Financial Performances
NET income
Total Assets
ROA

2012
11675814
631915482
0.01847686

2011
10139681
515698939
0.019662016

2010
8225332
449931526
0.018281297

ROE

Financial Performances
NET income
SHE
ROE

2012
11675814
42928082
0.271985457

2011
10139681
37620358
0

2010
8225332
31166452
0.263916213

ROI

Financial Performances
NET income
Cost of investment
ROI

2012
11675814
267403346
0.04366368

2011
10139681
195694122
0.051813927

2010
8225332
121173409
0.067880668

12.34

10.71

10.52

Eps

2009
7122167
418374331
0.017023432

2008
4156686
366695669
0.01133552

2009
7122167
25819278
0.275846869

2008
4156686
20805117
0.199791522

2009
7122167
94789492
0.075136672

2008
4156686
82646595
0.050294704

9.11

5.85

2012 Silk
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 Silk
Annul
387,419.00
75,683.00
3,547,383.00
2,115,439.00
137,079.00
24,710.00
102,870.00
2,380,098.00
6,390,583.00
4,010,485.00
89,061,570.00
83,707,785.00
5,353,785.00
1.19
2.69
0.63
3.31
4.51

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 Silk
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 Silk

2009 Silk
Annul
289,671.00
49,940.00
1,805,727.00
1,563,279.00
97,451.00
24,096.00
47,060.00
1,731,886.00
3,877,224.00
72,603,408.00
67,769,461.00
4,833,947.00
0.80
2.24
0.00
2.24
3.04

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
160,236.00
15,979.00
384,510.00
980,440.00
57,005.00
18,591.00
32,792.00
1,088,828.00
1,649,553.00
560,725.00
55,645,268.00
51,253,908.00
4,391,360.00
0.38
1.51
0.34
1.85
2.23

2011 Silk
Annul
380,848.00
85,989.00
5,347,277.00
1,792,621.00
134,632.00
17,439.00
72,431.00
2,017,123.00
7,831,237.00
5,814,114.00
90,670,277.00
85,031,770.00
5,638,507.00
1.39
3.88
0.74
4.62
6.01

9,177.00
(9,177.00)

8,886.00
8,307.00
579.00

822,848.00
137,079.00
134,632.00

2009 Silk
Annul
216,437.00
6,635.00
662,187.00
1,327,645.00
78,832.00
26,367.00
32,285.00
1,465,129.00
2,350,388.00
885,259.00
68,664,341.00
66,901,252.00
1,763,089.00
1.33
1.60
0.38
1.98
3.31

982,776.00

78,832.00

7,775.00
7,218.00
557.00

6,966.00
6,471.00
495.00

Silk
ROA

Financial Performances
NET income
Total Assets
ROA

2,012
344,271
89,061,570
0.0039

2,011
695,063
90,670,277
0.0077

2,010
1,131,154
72,603,408
0.0156

ROE

Financial Performances
NET income
SHE
ROE

2,012
344,271
5,193,761
0.0663

2,011
695,063
5,515,868
0.0000

2,010
1,131,154
4,817,085
0.2348

ROI

Financial Performances
NET income
Cost of investment
ROI

2,012
344,271
12,734,898
0.0270

2,011
695,063
17,547,640
0.0396

2,010
1,131,154
12,964,526
0.0872

0.13

0.26

0.49

Eps

2,009
2,902,905
68,664,341
0.0423

2,008
2,014,268
55,645,268
0.0362

2,009
2,902,905
196,905
14.7427

2,008
2,014,268
3,089,997
0.6519

2,009
2,902,905
20,179,329
0.1439

2,008
2,014,268
12,012,233
0.1677

2.52

2.83

2012 SBL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 SBL
Annul
143,824.00
6,085.00
1,577,314.00
656,425.00
30,568.00
17,228.00
17,229.00
721,450.00
2,448,673.00
1,727,223.00
34,853,837.00
26,337,954.00
8,515,883.00
0.29
3.39
0.71
4.10
4.39

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 SBL
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 Samba

2009 SBL
Annul
154,968.00
5,380.00
1,337,977.00
627,717.00
27,407.00
0.00
155,941.00
811,065.00
2,309,390.00
30,511,120.00
22,585,442.00
7,925,678.00
0.29
2.85
0.00
2.85
3.14

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
111,220.00
6,131.00
499,598.00
689,837.00
25,757.00
0.00
46,602.00
762,196.00
1,379,145.00
616,949.00
16,487,336.00
11,025,182.00
5,462,154.00
0.25
1.81
0.45
2.26
2.51

2011 SBL
Annul
145,721.00
5,342.00
1,606,942.00
666,088.00
26,755.00
26,642.00
26,642.00
746,127.00
2,504,132.00
1,758,005.00
31,330,972.00
23,148,705.00
8,182,267.00
0.31
3.36
0.70
4.06
4.36

2009 SBL
Annul
160,920.00
5,499.00
522,482.00
609,474.00
24,886.00
0.00
51,148.00
685,508.00
1,374,409.00
688,901.00
23,734,126.00
16,658,466.00
7,075,660.00
0.19
2.00
0.50
2.51
2.70

27,407.00

24,886.00

SAMBA
ROA

Financial Performances
NET income
Total Assets
ROA

2,012
300,886
34,853,837
0.0086

2,011
236,515
31,330,972
0.0075

2,010
119,594
30,511,120
0.0039

ROE

Financial Performances
NET income
SHE
ROE

2,012
300,886
8,473,656
0.0355

2,011
236,515
8,172,770
0.0000

2,010
119,594
7,936,255
0.0151

ROI

Financial Performances
NET income
Cost of investment
ROI

2,012
300,886
8,894,957
0.0338

2,011
236,515
9,663,613
0.0245

2,010
119,594
11,090,905
0.0108

0.21

0.16

0.10

Eps

2,009
593,053
23,734,126
0.0250

2,008
742,311
16,487,336
0.0450

2,009
593,053
7,072,717
0.0839

2,008
742,311
5,476,330
0.1355

2,009
593,053
5,807,829
0.1021

2,008
742,311
3,829,354
0.1938

0.68

0.85

2012 KSBB
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 KSBB
Annul
232,784.00
30,348.00
1,269,453.00
1,199,370.00
92,999.00
20,026.00
6,462.00
1,318,857.00
2,851,442.00
1,532,585.00
88,312,542.00
85,700,724.00
2,611,818.00
1.09
2.16
0.54
2.70
3.79

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 KSBB
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2008 KSBB

2009 KSBB
Annul
289,505.00
128,613.00
(959,292.00)
1,290,856.00
76,422.00
16,848.00
7,249.00
1,391,375.00
850,201.00
58,560,362.00
55,863,821.00
2,696,541.00
0.32
0.61
0.00
0.61
0.93

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
141,111.00
27,151.00
(1,787,364.00)
795,396.00
65,140.00
12,986.00
11,499.00
885,021.00
(734,081.00)
(1,619,102.00)
51,799,098.00
42,599,591.00
9,199,507.00
(0.08)
(0.83)
2.21
1.38
1.30

2011 KSBB
Annul
258,413.00
49,198.00
(420,525.00)
981,497.00
47,274.00
15,691.00
9,283.00
1,053,745.00
940,831.00
(112,914.00)
71,262,770.00
67,972,281.00
3,290,489.00
0.29
0.89
(0.12)
0.77
1.06

2009 KSBB
Annul
252,335.00
72,688.00
(2,386,105.00)
1,216,769.00
60,479.00
16,790.00
12,357.00
1,306,395.00
(754,687.00)
(2,061,082.00)
60,999,587.00
55,582,766.00
5,416,821.00
(0.14)
(0.58)
2.73
2.15
2.01

60,479.00

76,422.00

27,407.00

24,886.00

KSBB
ROA

Financial Performances
NET income
Total Assets
ROA

2,012
1,063,417
88,312,542
0.0120

2,011
2,369,925
71,262,770
0.0333

2,010
2,710,669
56,429,483
0.0480

ROE

Financial Performances
NET income
SHE
ROE

2,012
1,063,417
1,980,394
0.5370

2,011
2,369,925
2,724,524
0.8698

2,010
2,710,669
1,830,476.0000
1.4809

ROI

Financial Performances
NET income
Cost of investment
ROI

2,012
1,063,417
40,875,266
0.0260

2,011
2,369,925
16,883,748
0.1404

2,010
2,710,669
13,052,504
0.2077

0.55

2.36

2.85

Eps

2,009
4,227,748
59,223,058
0.0714

2,008
972,969
51,799,098
0.0188

2,009
4,227,748
4,503,805.0000
0.9387

2,008
972,969
8,813,140
0.1104

2,009
4,227,748
15,129,090
0.2794

2,008
972,969
9,454,149
0.1029

4.45

1.63

2012 Summit
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 Summit
Annul
525,337.00
99,653.00
1,472,046.00
1,459,802.00
81,864.00
30,192.00
1,468.00
1,573,326.00
3,670,362.00
2,097,036.00
134,385,195.00
131,322,520.00
3,062,675.00
1.20
2.33
0.57
2.90
4.10

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 Summit
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

208 Summit

2009 Summit
Annul
267,481.00
55,336.00
(780,336.00)
1,211,352.00
73,382.00
17,423.00
2,449.00
1,304,606.00
847,087.00
(457,519.00)
72,268,830.00
68,895,568.00
3,373,262.00
0.25
0.65
(0.54)
0.11
0.36

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
46,793.00
26,072.00
429,685.00
317,609.00
18,719.00
5,914.00
638.00
342,880.00
845,430.00
502,550.00
24,802,817.00
18,982,697.00
5,820,120.00
0.15
2.47
0.59
3.06
3.21

2011 Summit
Annul
488,608.00
93,295.00
662,621.00
1,381,438.00
87,055.00
22,367.00
835.00
1,491,695.00
2,736,219.00
1,244,524.00
119,348,333.00
113,574,284.00
5,774,049.00
0.47
1.83
0.45
2.29
2.76

2009 Summit
Annul
104,385.00
27,918.00
(1,208,532.00)
476,307.00
24,692.00
8,479.00
1,491.00
510,969.00
(565,260.00)
(1,076,229.00)
38,173,375.00
34,118,975.00
4,054,400.00
(0.14)
(1.11)
1.90
0.80
0.66

Summit
ROA

Financial Performances
NET income
Total Assets
ROA

2,012
2,734,156
134,385,195
0.0203

2,011
1,209,268
119,348,333
0.0101

2,010
3,018,373
72,268,830
0.0418

ROE

Financial Performances
NET income
SHE
ROE

2,012
2,734,156
2,896,911
0.9438

2,011
1,209,268
5,575,929
0.2169

2,010
3,018,373
3,594,026
0.8398

ROI

Financial Performances
NET income
Cost of investment
ROI

2,012
2,734,156
49,945,062
0.0547

2,011
1,209,268
36,268,904
0.0333

2,010
3,018,373
20,501,299
0.1472

2.54

1.17

5.58

Eps

2,009
2,066,790
38,173,375
0.0541

2,008
191,408
24,802,817
0.0077

2,009
2,066,790
4,065,941
0.5083

2,008
191,408
6,132,731
0.0312

2,009
2,066,790
12,446,033
0.1661

2,008
191,408
5,094,613
0.0376

4.13

0.38

2012 js
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2011 js
Annul
223,030.00
18,910.00
3,561,209.00
965,021.00
64,432.00
0.00
4,507.00
1,033,960.00
4,837,109.00
3,803,149.00
81,569,995.00
72,614,186.00
8,955,809.00
0.54
4.68
0.79
5.46
6.00

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2010 js
0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

2009 js
Annul
223,178.00
15,479.00
1,241,243.00
645,610.00
52,890.00
0.00
40,172.00
738,672.00
2,218,572.00
1,479,900.00
39,383,647.00
33,545,361.00
5,838,286.00
0.38
3.00
0.67
3.67
4.05

2008 js

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

0.00
Depreciation
Amortization
Operating income
Human CapitAl
Salaries
Benefits
Entertainment
Traing
HC
VA
SC
Total Assets
Current Liabilities
CE
CEE
Hce
SCE
ICE
VAIC

Annul
78,615.00
48,700.00
1,094,592.00
383,618.00
26,604.00
0.00
5,318.00
415,540.00
1,637,447.00
1,221,907.00
21,627,802.00
16,351,965.00
5,275,837.00
0.31
3.94
0.75
4.69
5.00

2011 js
Annul
226,386.00
17,436.00
2,641,949.00
772,968.00
51,722.00
0.00
1,976.00
826,666.00
3,712,437.00
2,885,771.00
53,920,569.00
46,443,539.00
7,477,030.00
0.50
4.49
0.78
5.27
5.76

2009 js
Annul
175,152.00
55,210.00
287,368.00
592,601.00
44,693.00
0.00
7,683.00
644,977.00
1,162,707.00
517,730.00
32,894,920.00
27,240,361.00
5,654,559.00
0.21
1.80
0.45
2.25
2.45

JS bank
ROA

Financial Performances
NET income
Total Assets
ROA

2,012
708,176
81,569,995
0.0087

2,011
359,691
53,920,569
0.0067

2,010
407,479
39,383,647
0.0103

ROE

Financial Performances
NET income
SHE
ROE

2,012
708,176
8,774,478
0.0807

2,011
359,691
7,505,110
0.0479

2,010
407,479
5,821,607
0.0700

ROI

Financial Performances
NET income
Cost of investment
ROI

2,012
708,176
46,259,398
0.0153

2,011
359,691
22,649,824
0.0159

2,010
407,479
13,701,699
0.0297

0.70

0.42

0.66

Eps

2,009
594,936
32,894,920
0.0181

2,008
54,770
21,627,802
0.0025

2,009
594,936
5,622,453
0.1058

2,008
54,770
5,784,628
0.0095

2,009
594,936
9,535,555
0.0624

2,008
54,770
5,138,709
0.0107

0.98

0.11