Comparative financial analysis of selected foreign banks
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Comparative financial analysis of selected foreign banks

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    Comparative financial analysis of selected foreign banks Comparative financial analysis of selected foreign banks Presentation Transcript

    • Presentation on six – weeks industrial training at Standard Chartered
      Presented By
      NavdeepKaurBrar
      (MBA-2A)
    • Chapter-I (Introduction)
      Company Introduction
      Founded --1853
      Headquarters -- London
      Key people -- John Peace (Chairman)
      Industry -- Banking
      Products – Financial Services
      Operating Profit -- $15184 m (2009)
      Profit before taxation -- $5151 m (2009)
      Employees -- 77326 (2009)
      Website -- www.standardchartered.com
    • WHAT STANDARD CHARTERED STAND FOR??
      Strategic Intent
      Brand Promise
      Value
      Approach
      - Participation
      - Competitive Positioning
      - Customers
      - People
      - Communities
    • Standard chartered banking services
      Personal Banking
      Consumer Banking
      Wholesale Banking
      SME Banking
      Private Banking
    • Organisation chart of standard chartered
      Chairman of Board
      ( John Peace )
      Asia
      JaspalBindra
      Risk Mgt
      Rudy Markham
      Wholesale Banking
      Mike Rees
      C FO
      Richard Medding
      Peopl
      Property,
      Assurance
      Tim Miller
      Secretary
      Anniemarie Durbin)
      Consumer Banking
      Steve Bebertamini
      H R
      Tracy Clark
    • Organisation chart in case of branch
    • SWOT Analysis
      1. Strengths:
      Good and diverse product .
      Market position is strong .
      Maintain a strong as a leading cash management provider.
      2. Weakness:
      Weak Human Resource Management .
      Have a fewer location .
       
       
    • Contd…
      3. Opportunities:
      Scope of opening more Branches .
      Increasing Banking need.
      System is so transparent
       
      4. Threat:
      Competition from major players like HSBC, CITIBANK.
       
    • financial analysis
      It is the process of determining financial strength and
      weaknesses of the firm by establishing strategic relationship between the items of the balance sheet ,profit and losses account and other operative data.
      Types of financial analysis
      On the basis of material used
      On the basis of method of operation
    • The banks selected for financial analysis are:-
      HSBC
      Citibank
      Royal Bank of Scotland
      Standard Chartered
    • The ranking parameters
      Growth
      Size
      Strength
      -Quality of assets
      -Productivity and Efficiency
      -Quality of earnings
    • Chapter -2 Research methodology
      Title of study -
      Comparative Financial Analysis of
      Standard Chartered with selected
      Foreign Banks
    • CONTD…
      Objective of study
      A Comparison between foreign banks on the basis of selected parameters
      To Calculate important ratios
      To Compare selected banks on the basis of these
      ratios
    • Contd…
      Research Methodology
      Research Design: – For this study design followed is Descriptiv Research Design
      Sampling Design
      Steps in Sample Design
      a) Universe-For the study universe is all banks operating in India .
      b) Population –For the study population is all foreign banks operating in India .
    • CONTD…
      Sample Unit – For the study sample unit is one foreign bank
      d) Sample Size - For the study sample size is four foreign banks i.e Standard Chartered, HSBC, Citibank and RBS
      e) Sampling Technique – For the study sampling technique is judgmental sampling .
    • Data collection
      Collection of Secondary Data
      The data have been collected from secondary sources like internet and magazines .The annual reports have been collected from respective sites of banks.
    • Limitations of study
      Only five years data is taken for the study.
      The data for 2010 is not available for three banks i.e comparison is not possible.
      Some more ratios can also be calculated.
      The research is only a mean but not an end.
      Limitation of time.
    • Chapter-4 DATA ANALYSIS AND INTERPRETATION
      Chart no-4.1 Growth in deposits
    • CHART NO-4.2 3-years Cagr of Deposits
    • Chart no-4.3 growth IN LOANS AND ADVANCES
    • Chart no -4.4 3-YEAR CAGR OF LOANS AND ADVANCES
    • CHART NO -4.5 Growth in fee income
    • Chart no-4.6 3-year cagr of fee income
    • Chart no -4.7 growth in operating profit
    • Chart no-4.8 3-year cagr of operating profit
    • Chart no-4.9 size of deposits
    • Chart no -4.10 size of operating profit
    • chart no- 4.11 size of balance sheet
    • Chart no-4.14 total npa growth ratio (%)
    • Chart no- 4.15 npa coverage ratio
    • Chart no-4.16 net npa to net advances
    • Chart no-4.17 cost to income ratio
    • Chart no 4.18 cost to avg asset ratio
    • Chart no-4.19 operating profit per employee
    • Chart no-4.20 change in return on assets (basis point
    • Chart no-4.21 increase in operating profit to total income(%)
    • chart no- 4.22 return on asset(%)
    • Chart no-4.23 fee income to total income (%)
    • Chart no-4.24 return on capital employed (%)
    • Chart no-4.26 capital adequacy ratio
    • Chart no-4.27 ranking of banks in 2006
    • Chart no-4.28 Ranking of banks in 2007
    • Chart no-4.29 ranking of banks n 2008
    • Chart no-4.30 ranking of banks in 2009
    • Chapter -5 results and findings
      Standard chartered growth in deposits , advances , fee income and operating profit are decreasing in every year.
      Citibank and HSBC are growing in term of deposits , advances , fee income and operating profit
      Due to increase growth , size of Citibank, HSBC is increasing.
      Standard Chartered has good quality of assets as its NPA’s growth rate and total share of NPA’s in total advances are lowest
      Citibank and HSBC shows high efficiency and productivity.
    • Contd….
      Standard Chartered shows highest quality of earning .
      Standard Chartered shows lowest capital adequacy ratio as compared with other banks .
      Overall Citibank and HSBC performing better than Standard Chartered and RBS.
    • Suggestions
      Standard Chartered and RBS needs to improve its growth in terms of deposits, advances, fee income and operating profit.
      Citibank and HSBC needs to lower down NPA’s growth rate .
      Standard Chartered needs to lower down its cost and improve productivity of labor.
      Citibank and RBS needs to improve its quality of earning.
      Standard Chartered needs to improve capital adequacy ratio.
      Overall RBS needs improvements in all parameters.
    • THANK YOU