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Listed SMEs: Dynamic And High Performance Companies
A study conducted by NYSE Euronext in association with Rexecode
Paris, 8 July 2008 – Small and medium-size listed companies are turning in strong showings for growth, profitability, job creation and international expansion, concludes a study presented today by NYSE Euronext in association with Coe-Rexecode*. The study covers the 119 businesses listed on Alternext Paris, Brussels and Amsterdam at December 31, 2007.
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Companies listed on Alternext generate new jobs at an impressive rate, with their total workforces, counting those listed in all three centres, rising 80% from 2004 to 2007, while the French companies alone posted annual employment growth of 23.1%, 20 times the national average.
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Financial performance commercial bank
1. Analysis of Financial
Performance
of
Commercial Bank of Ceylon
PLC
Presented by
Nilam Hallaldeen
2. Our Focus Areas
The Company
Banking Sector
Non Financial Information
Financial Analysis
Conclusion
www.company.com
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
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. Net Interest Margin
Company
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. 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. 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. 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. 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. 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. 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. 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. 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. 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
26. Debt to Equity
Company
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. 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. 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. 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
Editor's Notes
– 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