26

SUMMARY OF CLASSIFIED ASSETS AND PROVISION THEREAGAINST ( As of end of current quarter)

Category

OAEM

SUB-STANDARD

DOUBTFUL

LOSS

TOTAL

Domestic

Overseas

Domestic

Overseas

Domestic

Overseas

Domestic

Overseas

Domestic

Overseas

Advances

Amount Outstanding (gross of provision)

Amount Classified (gross of provision)

Provision Held

Provision Required

Investments

Amount Outstanding (gross of provision)

Amount Classified (gross of provision)

Provision Held

Provision Required

Other Assets

Amount Outstanding (gross of provision)

Amount Classified (gross of provision)

Provision Held

Provision Required

Off-balance sheet items

Total Classified Amount

27

CONCENTRATION OF CREDIT (before provision) AND DEPOSITS

27.1

Segment by class of business

AS OF END OF CURRENT QUARTER

Advances(before provision)

Deposits

Domestic

Overseas

Total

Domestic

Overseas

Total

(a)

(b)

(a + b)

Percent

(a)

(b)

(a + b)

Percent

Chemical and Pharmaceuticals

Agribusiness

Textile Total

Textile Spinning

XXXXX

Textile Weaving

XXXXX

Textile Composite

XXXXX

Others

XXXXX

Cement

Sugar

Shoes and leather garments

Automobile and transportation equipment

Financial

Insurance

Electronics and electrical appliances

Production and transmission of energy

Individuals

Others

27.2

Segment by sector (Current Quarter)

Public/ Government

Private

Total

27.3

Segment/sector-wise break-up of loans and advances (before provision)

Amount outstanding at the end of current quarter

Disbursements during the quarter

DOMESTIC

OVERSEAS

DOMESTIC

OVERSEAS

Public

Private

Public

Private

Public

Private

Public

Private

1. Corporate sector

i. Fixed Investment

ii. Working Capital (other than Trade Finance)

iii.Trade Finance (from own source & SBP refinance)

2. SMEs Sector

i. Fixed Investment

ii. Working Capital (other than Trade Finance)

iii.Trade Finance (from own source & SBP refinance)

3. Agriculture Sector

4. Consumer sector(Other than staff loans)

i. Credit cards

ii. Auto loans

iii. Consumer durable

iv. Mortgage loans

v. Other personal loans

5. Commodity financing

i. Cotton

ii. Rice

iii. Sugarcane

iv. Wheat

v. Others

6. Staff Loans

7. Others (please specify)

CORPORATE means public limited companies, govt. corporations formed under special charters/statutes and such entities, which do not come under the definition of SMEs.

SME: entity, ideally not a public limited company, which does not employ more than 250 persons (if it is manufacturing concern) and 50 persons (if it is trading / service concern) and also fulfills the following criteria of either ‘a’ and ‘c’ or ‘b’ and ‘c’ as relevant:

(a) A trading / service concern with total assets at cost excluding land and building upto Rs 50 million.

(b) A manufacturing concern with total assets at cost excluding land and building upto Rs 100 million.

(c) Any concern (trading, service or manufacturing) with net sales not exceeding Rs 300 million as per latest financial statements.

The advances provided to individuals for business purpose will also be reported under SMEs.

CONSUMER FINANCING: means any financing allowed  to individuals for meeting their personal, family or household needs.

Note

GROSS DISBURSEMENT means amount disbursed to the new clients as well as additional amount provided to the existing customers during the reporting period.  The renewal and rollover of existing facilities made during the reporting period will also be treated as disbursement.  In case of running finance, the amount disbursed should not exceed the credit limit given to the borrower i.e. in case disbursement exceeds the credit limit, the amount of credit limit will be reported as gross disbursement.

28

GEOGRAPHICAL SEGMENT ANALYSIS

AS OF  END OF CURRENT QUARTER

Profit before taxation

Total advances

Total assets employed

Net assets employed

Pakistan

Asia Pacific (including South Asia)

Europe

United States of America and Canada

Middle East

Others

Total assets employed include intra group item of Rs. xxx thousand.