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Analysis of Financial      Performance            ofCommercial Bank of Ceylon           PLC           Presented by        ...
Our Focus Areas             The Company                   Banking Sector                        Non Financial Information ...
The company    • Started as Eastern Bank Ltd                                      Product Range    • Business Structure   ...
Banking Sector - 2008      •    22 Licensed commercial banks & 14           specialized banks      •    Market Share      ...
Non Financial Information               Commercial Sampath     HNB    NTB  Branches              181    114    177    38  ...
Non Financial Information                         Commercial Sampath   HNB   NTB  Staff/Branch              22        21  ...
Financial Analysis Company LOGO          •   Profitability Ratios          •   Asset Management Ratios          •   Market...
Profitability Ratios Company LOGO        •   Net Interest Margin        •   Return on Shareholders’ Fund (ROE)        •   ...
Net Interest MarginCompany LOGO                                6                                                          ...
Return on Shareholders’ Fund (ROE)Company LOGO                                   25                                      C...
Return on Assets Company LOGO                             1.8                                                             ...
Income Growth Company LOGO                          100                                                                   ...
Cost to Income Ratio Company LOGO                              70                                                         ...
Asset Management Ratios Company LOGO        •   Advance to Deposit & Refinance        •   Capital Adequacy            •   ...
Advance to Deposit & Refinance Company LOGO                                                       71                      ...
Capital Adequacy Ratio- Tier I Capital Company LOGO                                          12                           ...
Capital Adequacy Ratio- Tier I & II Capital Company LOGO                                         18                       ...
Non - Performing Loans Company(Assets)  LOGO                               12                                             ...
Liquidity Ratios Company LOGO        • Liquid Fund to Liabilities        www.company.com
Liquid Fund to Liabilities                                  45   Liquid Fund to Liabilities %                             ...
Market / Investor RatiosCompany LOGO          • Earnings per Share (EPS)          • Dividends per Share (DPS)          • P...
Earnings per Share (EPS) Company LOGO                                   25                                                ...
Dividends per Share (DPS) Company LOGO                                      8                                             ...
Price Earning Ratio (P/E) Company LOGO                                    60        Price Earning Ratio (P/E)             ...
Debt Management RatiosCompany LOGO        • Debt to Equity        • Interest Cover        www.company.com
Debt to EquityCompany LOGO                         0.70                                                                   ...
Interest Cover Company LOGO                         16                                                                 Com...
The Way forward Company LOGO        •   Enhancing the customer convenience        •   Building high performance culture   ...
Conclusion Company LOGO        •   The average growth rate of COMB is            expected to be 12% during next five      ...
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Financial performance commercial bank

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Comparison of financial performance of Commercial Bank of Sri Lanka with competitors

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  • – Awards & Achievements The Global Finance Magazine- Best bank in SL, The banker Magazine-Bank of the year in SL, Euromoney Magazine - Bank of the year in SL, Best Bank of Sri Lanka for over 11 years– Best Bank of Sri Lanka for over 11 years Industry Dynamics – ATMs– Business Structure Product Range Expand International operation and widen global presence, enhance delivery channels and product range2008 Annual report page 4
  • High Expenditure – Due to the warStatutory Reserve Requirement Reduction - To increase liquidity
  • Remove % markStatutory Requirement = ?
  • Transcript of "Financial performance commercial bank"

    1. 1. Analysis of Financial Performance ofCommercial Bank of Ceylon PLC Presented by Nilam Hallaldeen
    2. 2. Our Focus Areas The Company Banking Sector Non Financial Information Financial Analysis Conclusion www.company.com
    3. 3. The company • Started as Eastern Bank Ltd Product Range • Business Structure Overseas • Awards & Achievements 8% Corporate • Strategic Direction 40% Personal 52% www.company.com
    4. 4. Banking Sector - 2008 • 22 Licensed commercial banks & 14 specialized banks • Market Share • Deposits - Rs. 200 billion • Loans & Advances - Rs. 180 billion 13% • Total Assets - Rs. 254 billion • Industry Dynamics • High Inflation • High Interest rates • High Expenditure • Statutory Reserve Requirement Reduction www.company.com
    5. 5. Non Financial Information Commercial Sampath HNB NTB Branches 181 114 177 38 Staff 4041 2364 4395 1615 ATMs 346 171 260 47 www.company.com
    6. 6. Non Financial Information Commercial Sampath HNB NTB Staff/Branch 22 21 25 43Income/Employee 11 9 8 6 Income/Branch 243 195 210 270Profit/Employee 1.0 0.6 0.7 0.3 Profit/Delivery 12 8 12 11 centre www.company.com
    7. 7. Financial Analysis Company LOGO • Profitability Ratios • Asset Management Ratios • Market Investor Ratios • Liquidity Ratios • Debt Management ratios www.company.com
    8. 8. Profitability Ratios Company LOGO • Net Interest Margin • Return on Shareholders’ Fund (ROE) • Return on Assets • Year on Year Growth • Cost to Income www.company.com
    9. 9. Net Interest MarginCompany LOGO 6 Commercial Sampath Net Interest Margin % 5 HNB NTB 4 3 2 1 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    10. 10. Return on Shareholders’ Fund (ROE)Company LOGO 25 Commercial Return on Shareholders’ Fund Sampath HNB 20 NTB 15 (ROE) % 10 5 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    11. 11. Return on Assets Company LOGO 1.8 Commercial 1.6 Sampath Return on Assets % 1.4 HNB NTB 1.2 1 0.8 0.6 0.4 0.2 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    12. 12. Income Growth Company LOGO 100 Commercial Sampath 80 HNB NTB Income Growth % 60 40 20 0 2004 2005 2006 2007 2008 -20 Financial Year www.company.com
    13. 13. Cost to Income Ratio Company LOGO 70 Commercial Cost to Income Ratio % 60 Sampath HNB 50 NTB 40 30 20 10 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    14. 14. Asset Management Ratios Company LOGO • Advance to Deposit & Refinance • Capital Adequacy • Tier I Capital • Tier II Capital • Non Performing Loans (Assets) www.company.com
    15. 15. Advance to Deposit & Refinance Company LOGO 71 90 NTB 2008 87 HNB Sampath Financial Year 2007 Commercial 2006 2005 2004 0 20 40 60 80 100 Advance to Deposit & Refinance % www.company.com
    16. 16. Capital Adequacy Ratio- Tier I Capital Company LOGO 12 Commercial Capital Adequacy Ratio – Tier I 11 Sampath 10 HNB NTB 8 8 6 % Statutory Requirement 4 2 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    17. 17. Capital Adequacy Ratio- Tier I & II Capital Company LOGO 18 Commercial Capital Adequacy Ratio- Tier I 16% Sampath 16 HNB 14 13% NTB 12 Statutory 10 Requirement & II % 8 6 4 2 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    18. 18. Non - Performing Loans Company(Assets) LOGO 12 Commercial Sampath Non - Performing Loans 10 HNB NTB 8 (Assets) % Industry Average = 6.2 6 4 2 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    19. 19. Liquidity Ratios Company LOGO • Liquid Fund to Liabilities www.company.com
    20. 20. Liquid Fund to Liabilities 45 Liquid Fund to Liabilities % Commercial 40 Sampath 35 HNB NTB 30 25 20 CBSL 15 Recommendation 10 5 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    21. 21. Market / Investor RatiosCompany LOGO • Earnings per Share (EPS) • Dividends per Share (DPS) • Price Earning Ratio (P/E) www.company.com
    22. 22. Earnings per Share (EPS) Company LOGO 25 Commercial Sampath Earnings per Share (EPS) 20 HNB NTB 15 10 5 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    23. 23. Dividends per Share (DPS) Company LOGO 8 Commercial Dividends per Share (DPS) % 7 Sampath HNB 6 NTB 5 4 3 2 1 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    24. 24. Price Earning Ratio (P/E) Company LOGO 60 Price Earning Ratio (P/E) Commercial Sampath 50 HNB NTB 40 30 20 10 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    25. 25. Debt Management RatiosCompany LOGO • Debt to Equity • Interest Cover www.company.com
    26. 26. Debt to EquityCompany LOGO 0.70 Commercial 0.60 Sampath HNB 0.50 Debt to Equity NTB 0.40 0.30 0.20 0.10 0.00 2004 2005 2006 2007 2008 Financial Year www.company.com
    27. 27. Interest Cover Company LOGO 16 Commercial 14 Sampath HNB 12 NTB Interest Cover 10 8 6 4 2 0 2004 2005 2006 2007 2008 Financial Year www.company.com
    28. 28. The Way forward Company LOGO • Enhancing the customer convenience • Building high performance culture • Expanding to international market (Specially in South Asia) • Prudent growth www.company.com
    29. 29. Conclusion Company LOGO • The average growth rate of COMB is expected to be 12% during next five years. • The required return on equity is forecasted to be 22% in next five years. • Commercial bank is expected to maintain a payout ratio of 40% during the next five years. www.company.com
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