Q.4
Q.1
Particulars
2020 (KD 000's)
2019 (KD 000's)
Total Assets
(Cash and cash equivalents)
(Due from banks and other financial institutions)
(Investment Securities)
Debt Securities
(Other Assests)
Accrued Interest Receivable
(Property and Equipment)
(Intangible Assets)
(Diposable group held for sale)
Total Invested Assets
71,06,084
-8,19,477
-4,69,517
-5,91,668
3,39,247
-2,15,769
83,650
-1,57,143
-20,344
-2,43,558
50,11,505
70,81,013
-6,14,488
-7,04,768
-5,38,624
2,77,099
-2,26,641
81,358
-1,13,860
-22,903
-2,87,458
49,30,728
Interest Income
(Interest Expense)
Net Interest Income
Average Invested Assets
Net Interest Margin
2,70,262
-1,30,243
1,40,019
49,71,117
2.817%
Particulars
Due from banks and other financial
institutions
Treasury bills and bonds with CBK and
others
Loans and advances to customers
Corporate Loans
Retail Loans
Disposal Group held for sale
Due from banks and other financial
institutions
Treasury bills and bonds
Loans and advances to customers
Retail Loans
Corporate Loans
Total Weighted Risk
Q.2
Net Operating income
Fee and commission expense
(Profit for credit losses)
Total denominator
Fee and commission expense
Staff Expense
Other Expense
Total Numerator
Efficiency Ratio
2,12,770
5,687
-76,416
1,42,041
5,687
47,280
49,950
1,02,917
72.46%
Q.3
Loans and advances to customers
Deposits from customers
Loans to deposit ratio
Amount
43,45,058
40,91,383
1.062002262
Risk Weight
4,69,517
0%
2,43,550
20%
42,22,038
3,64,094
100%
50%
30,048
35,959
0%
20%
11,102.4
7,401.6
50%
100%
44,72,939.6
Q.5
Few suggestions:
• Bank should focus more on giving loans as mortgages to
retail customers then to corporates.
• The bank should work on its Net Interest Margin as well as
it seems a potential to improve there.
• The efficiency ratio is not optimal at all and should be
worked upon either by giving loans to retail customers at
higher interest or by working on the expenses.
• Bank must also convert its treasury bonds back to cash or
just give them as dues to other banks as to reduce the
risk.