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============================================================= HABIB BANK LIMITED ============================================================= Rs(mn) 1HCY11 1HCY10 chg ============================================================= Markup Earned 45,246 39,036 16% Markup Expensed (19,007) (17,017) 12% Net Markup Income 26,240 22,019 19% Provisioning (4,786) (3,102) 54% Net Markup income after provisions 21,454 18,917 13% Other income 6,529 5,544 18% Operating revenues 32,769 27,562 19% Other expenses (13,471) (12,348) 9% Profit before taxation 14,512 12,113 20% Profit after taxation 9,288 7,423 25% EPS 8.43 6.74 ------------------------------------------------------------- Source: Company accounts =============================================================