Banking Survey 2018

Banking Results 2018

This report has been prepared by KPMG Taseer Hadi & Co. and summarizes the performance of selected commercial banks in Pakistan for the year ended 31 December 2018.

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Syed Iftikhar Anjum

Partner

KPMG in Pakistan

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Banking Survey 2018

The results and KPIs compared for each bank are:

  •  Total Assets
  •  Capital Adequacy Ratio (CAR)
  •  Net Assets 
  •  Return on Average Equity (ROE)
  •  Impairment cover 
  •  Return on Average Assets (ROA)
  • Net Interest Margin 
  • Average Advances to Average 
  • Deposits Ratio
  • Spread 
  • Non funded income as a percentage of net interest income
  • CASA 
  • Non - performing advances to Gross Loans
  • EPS 
  • Market Capitalization
  • Profit before and after tax
  • Operating expenses to average deposits ratio
  • Liquidity 
  • Individual deposits to total deposits
  • Average deposits per branch
  • Compensation costs to average deposits


Reference should be made to the published financial statements of the banks and KPI definitions included in this report to enhance the understanding of ratios and analysis of performance of a particular bank.

The financial statements of First Women Bank Limited, Summit Bank Limited and Sindh Bank Limited were not published till the date of our publication, and accordingly their results are not included in this report.

Comparative figures of 2017 as reported in our Banking Results 2017 have been updated to correspond with comparative figures reported in 2018 financial statements. We have tried to provide relevant financial analysis of the banks which we thought would be useful for benchmarking and comparison. We welcome any comments, which would facilitate
improving the contents of this report. The comments may be sent to Syedanjum@kpmg.com.

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The information contained herein is of a general nature and is not intended to address the circumstances of any particular individual or entity. Although we endeavour to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation. The KPMG name and logo are registered trademarks or trademarks of KPMG International.

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