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KARACHI:It is certainly not a good time for the Big Five in Pakistan s banking sector. The five largest commercial banks with over Rs400 billion in assets representing more than 70% of the sector s market capitalisation on the Karachi Stock Exchange posted a year-on-year decline of 12.1% in their profitability in the first six months of 2013.According to a research note prepared by AKD Securities Research Analyst Raza Jafri, net interest margin (NIM) contraction led to a 7% annual decline in large banks net intere yeezy 350 st income (NII) while their non-interest income went up 8% year-on-year. The effective tax rate has come in at 31.6% for the first half of 2013 as opposed to 33.3% for the comparable period in 2012, he said.Referring to air max95 the notable differences within the results posted by large banks for the first half of 2013, Jafri noted that MCB remained the key outperformer with a 7% increase in its after-tax profit while NBP was the bi adidas yeezys ggest loser with a 30% decline in its net profit. ISLAMABAD:Religious scholars and leaders from diverse schools of thought across the nation on Sunday endors converse plateau ed the lsquo;Code of Conduct for Pilgrims rsquo;, issued jointly by the Pakistan Ulema Council (PUC) and the Hajj Organizers Association of Pakistan (HOAP).According to a statement, this unified stance reflects a significant step towards ensuring a safe and spiritually enriching pilgrimage experience for Paki nike air max plus stani Muslims.The Code of Conduct, meticulously crafted by the PUC and HOAP, encompasses various aspects of conduct, etiquette, and safety measures to be observed by pilgrims embarking on the sacred journey of Hajj. It emphasizes the importance of adhering to Islamic principles, maintaining discipline, and fostering a spirit of unity and brotherhood among pilgrims.Key provisions of the Code of Conduct include guidance on personal hygiene, respect for fellow pilgrims, adherence to designated routes and timings, and complia newbalance scarpe nce with the instructions of authorities and organizers
KARACHI:It is certainly not a good time for the Big Five in Pakistan s banking sector. The five largest commercial banks with over Rs400 billion in assets representing more than 70% of the sector s market capitalisation on the Karachi Stock Exchange posted a year-on-year decline of 12.1% in their profitability in the first six months of 2013.According to a research note prepared by AKD Securities Research Analyst Raza Jafri, net interest margin (NIM) contraction led to a 7% annual decline in large banks net intere yeezy 350 st income (NII) while their non-interest income went up 8% year-on-year. The effective tax rate has come in at 31.6% for the first half of 2013 as opposed to 33.3% for the comparable period in 2012, he said.Referring to air max95 the notable differences within the results posted by large banks for the first half of 2013, Jafri noted that MCB remained the key outperformer with a 7% increase in its after-tax profit while NBP was the bi adidas yeezys ggest loser with a 30% decline in its net profit. ISLAMABAD:Religious scholars and leaders from diverse schools of thought across the nation on Sunday endors converse plateau ed the lsquo;Code of Conduct for Pilgrims rsquo;, issued jointly by the Pakistan Ulema Council (PUC) and the Hajj Organizers Association of Pakistan (HOAP).According to a statement, this unified stance reflects a significant step towards ensuring a safe and spiritually enriching pilgrimage experience for Paki nike air max plus stani Muslims.The Code of Conduct, meticulously crafted by the PUC and HOAP, encompasses various aspects of conduct, etiquette, and safety measures to be observed by pilgrims embarking on the sacred journey of Hajj. It emphasizes the importance of adhering to Islamic principles, maintaining discipline, and fostering a spirit of unity and brotherhood among pilgrims.Key provisions of the Code of Conduct include guidance on personal hygiene, respect for fellow pilgrims, adherence to designated routes and timings, and complia newbalance scarpe nce with the instructions of authorities and organizers