Financial Highlights of Askari bank

1. Financial Highlights
Year ended December 31, 2020

2. Askari Bank Limited – basic info
Askari Bank Limited – Financial Highlights 1
Commencement of operations April 1992
Sponsors Fauji Foundation Group (71.91%)
Entity Rating AA+(by PACRA)
Market capitalization - Rupees in billion 29
Market shareof deposits (September 2020) 4.36%
Branches / sub branches - in Pakistan 537 (including 95 islamic branches)
Wholesalebranch in Bahrain
Rep.officein Beijing,China
Employees 7,949
Head office/ Registered office Islamabad / Rawalpindi
International presence

3. Balance Sheet – as of December 31, 2020 (Rupees in million)
Askari Bank Limited – Financial Highlights 2
YE '19 YE '20 Change
ASSETS
Cash, bank bal. & lendings 91,332 81,371 -11%
Investments - net 305,436 449,687 47%
Advances - net 372,914 395,374 6%
Fixed & other assets 63,527 66,085 4%
Total Assets 833,208 992,517 19%
LIABILITIES
Borrowings 51,188 84,164 64%
Deposits & other accounts 679,299 791,187 16%
Subordinated debts 9,992 12,000 20%
Other liabilities 50,473 50,620 0%
Total Liabilities 790,952 937,971 19%
EQUITY
Share capital 12,603 12,603 0%
Reserves & un-app. profit 25,353 34,306 35%
Surplus on reval. of assets 4,300 7,637 78%
Total Equity 42,256 54,546 29%
Book value per share - Rupees 33.5 43.3 29%

4. Profit & Loss – Year ended December 31, 2020 (Rupees in million)
Askari Bank Limited – Financial Highlights 3
Profit & Loss FY '19 FY '20 YoY
Mark-up earned 71,704 77,322 8%
Mark-up expensed 49,569 47,059 -5%
Net Interest Income (NII) 22,136 30,263 37%
Non Fund Income (NFI) 7,404 9,694 31%
Total income 29,540 39,957 35%
Admn & other expenses 18,377 20,215 10%
Profit before provision and tax 11,163 19,742 77%
Provisions 773 1,975 155%
Profit before tax 10,390 17,767 71%
Taxation 3,372 6,967 107%
Profit after taxation 7,017 10,800 54%
Earnings Per Share - Rupees 5.57 8.57 54%

5. Key Ratios – as of December 31, 2020
Askari Bank Limited – Financial Highlights 4
Earnings YE '19 YE '20
Return on core equity 20.1% 25.5%
Return on assets - annualized 0.9% 1.2%
Performance
Cost to income ratio 62.2% 50.6%
Advances to deposits 54.9% 50.0%
Investments to deposits 45.0% 56.8%
Non-remunerative to total deposits 28.7% 31.8%
Asset Quality
NPLs to gross advances 7.1% 6.7%
Provision coverage 91.1% 93.1%
Net NPLs to net advances 0.7% 0.5%
Capital
Capital Adequacy Ratio 13.4% 15.5%
Leverage Ratio 3.5% 3.6%
Market
Price earning (PE) - times 3.3 2.7
Price to book value - times 0.6 0.5
Askari Bank

6. Deposits – as of December 31, 2020
Askari Bank Limited – Financial Highlights 5
Current
32%
Savings
55%
Term
13%
473
526
574
679
791
386
443
486
557
689
YE.`16 YE.`17 YE.`18 YE.`19 YE.`20
Total deposits CASA
Rupees in million YE. '19 YE. '20 Change
DEPOSITS
Current 194,843 251,457 29.1%
Savings 362,439 437,432 20.7%
Term 122,017 102,298 -16.2%
Total Deposits 679,299 791,187 16.5%

7. 28.5
26.8
26.7
28.1
28.4
27.0
25.6
26.2
25.6
26.4
94.5% 95.9% 98.1%
91.1%
93.0%
70.0%
75.0%
80.0%
85.0%
90.0%
95.0%
100.0%
-
10.0
20.0
30.0
40.0
YE.`16 YE.`17 YE.`18 YE.`19 YE.`20
NPLs Provision Held Coverage
262
284
369
399
422
10.9%
9.4%
7.2% 7.1% 6.6%
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
-
50
100
150
200
250
300
350
400
450
YE.`16 YE.`17 YE.`18 YE.`19 YE.`20
Gross Advances NPLs Ratio
Advances & Assets’ Quality – as of December 31, 2020
Askari Bank Limited – Financial Highlights 6
31%
8%
27%
12%
7%
7%
3%5%
ADVANCES CONCENTRATION
Public / Government
Individuals
Services/ Others
Textile & Leather Products
Power
Rice, Sugar & Agri
Chemical and Pharmaceuticals
Cement, Construction & Mining

8. Investments – as of December 31, 2020
Askari Bank Limited – Financial Highlights 7
Rupees in million YE. '20 YE. '19 Change
INVESTMENTS
Market Treasury Bills 122,066 129,094 -5.4%
Pakistan Investment Bonds 282,938 138,589 104.2%
TFCs / Sukuks 24,574 20,963 17.2%
Shares / Units 6,295 7,423 -15.2%
Euro bonds 6,748 6,629 1.8%
GOP Bai Mujjal 5,246 5,246 0.0%
Foreign securities 3,859 3,407 13.3%
Investments at cost 451,726 311,352 45.1%
91%
7%
1%
1%
GoP Securities
Other debt Instruments
Shares
Foreign