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================================================================== HABIB BANK LIMITED ================================================================== (Rs mn) 1HCY12 1HCY11 chg ================================================================== Mark-up Earned 54,564 46,106 18% Mark-up Expensed (25,453) (19,272) 32% Net Markup Income 29,111 26,835 8% Provisioning (2,189) (4,750) -54% Net Mark-up income after provisions 26,923 22,085 22% Other income 7,789 7,613 2% Operating revenues 36,900 34,448 7% Other expenses (15,551) (14,246) 9% Profit before taxation 19,161 15,452 24% Profit after taxation 11,859 10,010 18% EPS (Rs) 9.68 8.17 ------------------------------------------------------------------ Source: Company Accounts ==================================================================