Business volume of National Bank of Pakistan

Rupees in Millions
Year		2004	2005	2006	2007	2008
Total Assets		553,231,467	577,719,114	645,132,711	762,193,593	817,758,326
Deposits		465,571,717	463,426,602	501,872,243	591,907,435	624,939,016
Advances		220,794,075	268,838,779	316,110,406	340,677,100	412,986,865
Reserves		10,813,914	13,536,041	13,879,260	15,772,124	19,941,047
Investments		149,350,096	156,985,686	139,946,995	210,787,868	170,822,491
			Horizontal Analysis (%)
Total Assets		100	104	117	138	148
Deposits		100	100	108	127	134
Advances		100	122	143	154	187
Reserves		100	125	128	146	184
Investments		100	105	94	141	114

The business volume of National Bank of Pakistan is stated in terms of total assets, deposits, advances, reserves and investments. To analyze the trend in these items the Horizontal analysis of each item is calculated.

Analysis

The Total Assets of National Bank of Pakistan fluctuates during all years as they show an increasing trend. The total assets are increased 4 % in 2005 and 17 % in 2006. The year 2007 represents second highest percentage on account of total assets as it was increased to 38%. There was an increase of 48 % in 2008 as compare to base year and 10% as compare to 2007.

Analysis

The deposits and other accounts of National Bank of Pakistan show a mixed trend during all years. In the year 2005, the deposits were increased very marginally, with the year 2006 represents an increase of 8%. The deposits are increased 27% & 34% in the years 2007 and 2008 respectively.

Analysis

The advances made by National Bank of Pakistan shows an increasing trend in all years as compare to base year. This implies that National Bank of Pakistan is keener to advance money to lenders. The advances were increased 22 % in the year 2005 and 43 % in 2006 as compare to base year. The year 2007 represents an increase of 54 % and 2008 represents highest percentage among all years that is 87 % as compare to base year.

Analysis

The Banks’ reserves are banks' holdings of deposits in accounts with their central bank plus currency that is physically held in bank vaults (vault cash). The reserves of National Bank of Pakistan fluctuate during all years as they show an increasing trend. The reserves are increased 25 %, 28 % & 46 % in the years 2005, 2006 & 2007 respectively. The year 2008 represents highest increasing percentage of 84% as compare to base and previous years.

Analysis

The investments made by National Bank of Pakistan fluctuate during all years. There was an increase of 5 % in 2005. The year 2006 indicates a decrease of 6% in investments. The year 2007 represents an increase of 41 %, highest among all years. The investments are increased 14 % in 2008 as compare to base year; however investments are decreased 27 % as compare to the year 2007.