Performance evaluation of Dhaka Bank was conducted following various financial analysis tools for the purpose of identifying if they are at a very good profitable position or not. 1) Repricing Gap model 2) Ratio Analysis

1. Performance
Evaluation of
Dhaka Bank

2. HELLO!
We are……
Jaheda Alam 111 131 260
Nacher Ahammed 111 122 266
Ismail Hossen 111 131 394
Atiqur Rahman 111 131 497

3. “"We have no future because our
present is too volatile. We have
only risk management."
William Gibson.

4. Company Profile
▸The Bank
▸Vison
▸Mission
▸Credit Rating

5. Ownership
Composition
Composition Status
Number of shares % of total share
Director 258,558,818 45
General Public 184,595,408 32
Finacial Institutions 107,918,535 19.5
Others 17,440,203 3.5
Total 568,512,964 100

6. Ratio
Analysis
Ratios on different dimensions will be
discussed from now

7.  Current Ratio
 Cash Ratio
 Deposit to Asset Ratio
Liqudity Ratio

8. 0.19
0.14
0.14
0.12
0.17
0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
0.16
0.18
0.2
2010 2011 2012 2013 2014
Current Ratio
Current Ratio

10. 0.129
0.112
0.102
0.103
0.127
0
0.02
0.04
0.06
0.08
0.1
0.12
0.14
2010 2011 2012 2013 2014
Cash to Deposit
Cash to Deposit

11. Solvency Ratio
Debt to Equity
Debt to Assets
Equity Multiplier

12. 12.7
10.302
12.653
11.072
11.316
0
2
4
6
8
10
12
14
2010 2011 2012 2013 2014
Debt to Equity
Debt to Equity

13. 0.93
0.91
0.92
0.91
0.92
0.9
0.905
0.91
0.915
0.92
0.925
0.93
0.935
2010 2011 2012 2013 2014
Debt to Asset
Debt to Asset

14. 13.7
11.3
13.7
12.1
12.3
0
2
4
6
8
10
12
14
16
2010 2011 2012 2013 2014
Equity Multiplier
Equity Multiplier

15. Profitability Ratio
▸Return on Asset
▸Return on equity
▸Interest Income to
Interest expense

16. 1.86%
2.13%
0.59%
1.36%
1.31%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
2010 2011 2012 2013 2014
ROA
ROA

17. 25.5%
24.1%
8.1%
16.4%
16.8%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
2010 2011 2012 2013 2014
ROE
ROE

18. 1.497655115
1.315648327
1.261398832
1.283885091
1.263407853
1.1
1.15
1.2
1.25
1.3
1.35
1.4
1.45
1.5
1.55
2010 2011 2012 2013 2014
Interest income to Interest Expense
Interest income to Interest
Expense

19. Earning ratio
▸Earning Per share
▸Interest income to
investment Assets

20. 6.31
6.25
1.69
3.66
3.69
-
1.00
2.00
3.00
4.00
5.00
6.00
7.00
2010 2011 2012 2013 2014
earings per share
eaning per share

21. 0.14717
0.19448
0.07106
0.08377
0.12939
0.00000
0.05000
0.10000
0.15000
0.20000
0.25000
2010 2011 2012 2013 2014
Invest income to Investment assets
Invest income to
Investment assets

22. Market Based ratio
0.33
0.58
0.84
1.18
1.25
-
0.20
0.40
0.60
0.80
1.00
1.20
1.40
2010 2011 2012 2013 2014
Book to market ratio
Book to market ratio

23. “  Credit risk
 Market risk
 Operational risk
 Liquidity risk
 Money laundering risk
Risks in banking sector

24. Repricing gap model
-11836329.64
-494895492.5
-736368414.2
9389462.46 241279.89
2010 2011 2012 2013 2014
Change in Equity

25. “
Maturity model
2010 2011 2012 2013 2014
245330045
343309789
61262107
140810396
116512673
2010 2011 2012 2013 2014
Chart Title
Particulars Equity value

26. “If the interest rate increase at 12 bp
▸DEARB = 12406289 tk
▸DEARE= 18249174.52 tk
▸DEARFX= 32091436.53 tk
▸DEARPortfolio= 20566379.76 tk
▸Total amount of loss if securities are
invested separately= 223212726 tk
Market Risk/credit risk

27. Conclusion

28. Thank You