This document analyzes the financial statements of Commercial Bank of Ceylon Plc for the 2011/2012 financial year. It finds that the bank had an excellent 2012, with assets crossing Rs. 500 billion and profit after taxation reaching Rs. 10 billion. It employs comparative financial analysis and ratio analysis to measure the bank's profitability, liquidity, and market performance. Key findings include that the bank saw strong growth in interest income and net profit, maintained good levels of profitability as shown by its return on assets and equity, and successfully sourced funding to support loan growth despite restrictions imposed by the central bank.
The document is a report on the practical training completed by Vaibhavi Yogesh Shah at Kotak Mahindra Bank Ltd from May 14, 2013 to June 15, 2013. It provides an overview of Kotak Mahindra Bank, including its vision, history, products and services offered such as savings accounts, current accounts, and loans. The report also describes the various branches, awards received, and milestones achieved by Kotak Mahindra Bank since its establishment in 1985.
Divesh kotak mahindra bank mp 3-converted (2)DiveshChauhan10
This document provides information about Kotak Mahindra Bank, including its company profile, products, vision, board of directors, and strategic alliances. Some key details include:
- Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai, offering banking services and insurance products.
- The bank has over 1600 branches and 2500 ATMs across India.
- It offers a range of banking, investment, and insurance products and services to individual and business customers.
- Strategic alliances include partnerships for shared ATM networks with other major banks to expand customer access across India.
- The bank was established in 1923 with a paid up capital of Rs. 1 lakh and has since expanded to over 2,000 branches across India.
- In the first quarter of 2009-2010, the bank's net profit jumped 230% to Rs. 256 crores and total business grew 26% to Rs. 1,05,280 crores, with strong growth in deposits and retail loans.
- The bank offers a wide range of deposit schemes and loan products for individuals and businesses, and is focused on financial inclusion through programs like its "no-frills" savings account.
General Banking Activities of Sonali Bank Limited.A Study on Mithapukur Branc...Md. Shohel Rana
This document is an internship report submitted by Md. Zahidul Islam to his university about his internship at the Mithapukur Branch of Sonali Bank Limited in Rangpur, Bangladesh. The report focuses on the general banking activities of Sonali Bank Limited, with the objectives of analyzing the bank's general banking system and loan and advances processes. During his internship, Md. Zahidul Islam gained knowledge and experience in the bank's general banking operations like account opening, clearing, transfers, deposits, cash transactions, and loans to meet the requirements for his BBA degree.
Internship Report on Online Banking OperationMSKarim2
This report is prepared as a partial requirement of the internship phase of BBA program in BGC Trust University Bangladesh with major in FINANCE. I was assigned to Janata Bank Ltd. by the department of Business Administration. This report is based on Online Banking Practices of Janata Bank Ltd. This report contains five chapters
Corporate Social Responsibility in the Banks of Bangladesh in Context of Prem...Aminul Islam
This internship report summarizes Md. Aminul Islam's internship at Premier Bank in Bangladesh, where he studied the bank's corporate social responsibility (CSR) activities. The report includes an executive summary, literature review on definitions of CSR, theoretical framework, methodology, analysis of Premier Bank's CSR programs in various sectors from 2010-2013, and conclusions. Key findings are that Premier Bank engages in CSR through economic, legal, ethical, and voluntary responsibilities. The bank invests in disaster relief, education, environment, health, social welfare, and sports. However, the report found no significant relationship between the bank's CSR activities and its financial or employment performance.
Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. It was established in 1985 and received a banking license from the Reserve Bank of India in 2003, becoming the first non-banking finance company to convert into a bank. The bank offers a wide range of banking and financial services to corporate and retail customers. In 2014, it acquired ING Vysya Bank, increasing its branch network to over 1,300 branches across India. Key services include personal finance, investment banking, life insurance, and wealth management. Uday Kotak is the Executive Vice Chairman and Managing Director.
The document provides information about IDLC Finance Limited, including:
- Limitations the author faced during their internship such as political instability and inability to access some data.
- An overview of IDLC's organizational structure, history, subsidiaries, products and services.
- Financial analysis of IDLC including details of assets, loans, deposits, and key performance metrics.
- Details of IDLC's consumer division and consumer loan products like home loans and car loans.
The document is a report on the practical training completed by Vaibhavi Yogesh Shah at Kotak Mahindra Bank Ltd from May 14, 2013 to June 15, 2013. It provides an overview of Kotak Mahindra Bank, including its vision, history, products and services offered such as savings accounts, current accounts, and loans. The report also describes the various branches, awards received, and milestones achieved by Kotak Mahindra Bank since its establishment in 1985.
Divesh kotak mahindra bank mp 3-converted (2)DiveshChauhan10
This document provides information about Kotak Mahindra Bank, including its company profile, products, vision, board of directors, and strategic alliances. Some key details include:
- Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai, offering banking services and insurance products.
- The bank has over 1600 branches and 2500 ATMs across India.
- It offers a range of banking, investment, and insurance products and services to individual and business customers.
- Strategic alliances include partnerships for shared ATM networks with other major banks to expand customer access across India.
- The bank was established in 1923 with a paid up capital of Rs. 1 lakh and has since expanded to over 2,000 branches across India.
- In the first quarter of 2009-2010, the bank's net profit jumped 230% to Rs. 256 crores and total business grew 26% to Rs. 1,05,280 crores, with strong growth in deposits and retail loans.
- The bank offers a wide range of deposit schemes and loan products for individuals and businesses, and is focused on financial inclusion through programs like its "no-frills" savings account.
General Banking Activities of Sonali Bank Limited.A Study on Mithapukur Branc...Md. Shohel Rana
This document is an internship report submitted by Md. Zahidul Islam to his university about his internship at the Mithapukur Branch of Sonali Bank Limited in Rangpur, Bangladesh. The report focuses on the general banking activities of Sonali Bank Limited, with the objectives of analyzing the bank's general banking system and loan and advances processes. During his internship, Md. Zahidul Islam gained knowledge and experience in the bank's general banking operations like account opening, clearing, transfers, deposits, cash transactions, and loans to meet the requirements for his BBA degree.
Internship Report on Online Banking OperationMSKarim2
This report is prepared as a partial requirement of the internship phase of BBA program in BGC Trust University Bangladesh with major in FINANCE. I was assigned to Janata Bank Ltd. by the department of Business Administration. This report is based on Online Banking Practices of Janata Bank Ltd. This report contains five chapters
Corporate Social Responsibility in the Banks of Bangladesh in Context of Prem...Aminul Islam
This internship report summarizes Md. Aminul Islam's internship at Premier Bank in Bangladesh, where he studied the bank's corporate social responsibility (CSR) activities. The report includes an executive summary, literature review on definitions of CSR, theoretical framework, methodology, analysis of Premier Bank's CSR programs in various sectors from 2010-2013, and conclusions. Key findings are that Premier Bank engages in CSR through economic, legal, ethical, and voluntary responsibilities. The bank invests in disaster relief, education, environment, health, social welfare, and sports. However, the report found no significant relationship between the bank's CSR activities and its financial or employment performance.
Kotak Mahindra Bank is an Indian private sector bank headquartered in Mumbai. It was established in 1985 and received a banking license from the Reserve Bank of India in 2003, becoming the first non-banking finance company to convert into a bank. The bank offers a wide range of banking and financial services to corporate and retail customers. In 2014, it acquired ING Vysya Bank, increasing its branch network to over 1,300 branches across India. Key services include personal finance, investment banking, life insurance, and wealth management. Uday Kotak is the Executive Vice Chairman and Managing Director.
The document provides information about IDLC Finance Limited, including:
- Limitations the author faced during their internship such as political instability and inability to access some data.
- An overview of IDLC's organizational structure, history, subsidiaries, products and services.
- Financial analysis of IDLC including details of assets, loans, deposits, and key performance metrics.
- Details of IDLC's consumer division and consumer loan products like home loans and car loans.
General Banking Activities & Financial Performance of Agrani Bank LimitedEmran Hosain
This report has been prepared as a part of the internship program, which is an integral part of the BBA Program .Under this program a student has to take a total of 8 semesters. A student has to take a 3-month internship program to an organization. The report on “A study on General Banking Activities & Financial Performance of Agrani Bank Limited” has been prepare to fulfill an essential requirement .
This report analyzes the financial statements of Commercial Bank of Ceylon Plc for the 2011/2012 fiscal year. Ratio analysis was used to measure the bank's profitability, liquidity, and market performance. The bank had an excellent 2012 fiscal year, with assets exceeding Rs. 500 billion and post-tax profits reaching Rs. 10 billion. Key ratios such as return on assets and equity improved from the previous year, indicating better profitability and efficiency. The bank was also able to maintain strong liquidity and dividend payments for shareholders. In conclusion, the analysis found that Commercial Bank of Ceylon Plc continues to be a sound investment for existing and prospective shareholders.
This presentation provides an overview of the banking industry in Bangladesh. It discusses the historical background of banking after independence, including the six commercial banks and three foreign banks established. It also outlines the current state of the industry, including state-owned commercial banks, private commercial banks, foreign commercial banks and specialized banks. Key points about the Central Bank of Bangladesh and functions of commercial banks are summarized. The presentation also discusses Islamic banks, specialized banks, developments in the sector like e-banking and mobile banking, and challenges faced by the banking industry in Bangladesh such as an underdeveloped business environment.
This document provides information about an accounting internship. It defines accounting as identifying, measuring, and communicating financial information about an entity. The course objective is to familiarize students with academic and career opportunities in accounting. The internship is 2.5 months long, 272 hours spent at a company with a maximum of 3 students. Students will develop skills in time management, accounting software, communication, problem solving, and understanding accounting rules and procedures. Pros are hands-on experience and working with different teams, while cons are interns are not equal staff and may do menial tasks instead of practicing their specialty.
Internship Report on Financial Statements Analysis of FSIBL by Moez AnsaryMoez Ansary
This is helpful for Business Students. Full Internship Report is prepared by Moez Ansary after completing 3 months Internship program in First Security Islami Bank Ltd. (FSIBL) at Amborkhana branch. This report is about Financial Statements Analysis focusing on Islamic banks in Bangladesh. The financial statements are analyzed by horizontal, vertical & ratio analysis. This Internship Report by Moez Ansary is useful for Accounting & Finance Students. This Report was closely supervised by Mr. Iehit Sharma, Senior Lecturer of Business Administration at Leading University.
This document presents a study on consumer awareness and perception of e-banking services provided by Bank of Maharashtra. The study utilized both primary and secondary research methods including a questionnaire survey of 35 customers. Key findings were that customers found e-banking services to be more convenient and secure than branch banking. However, some customers still felt unsure about security of e-banking transactions. The document concludes by providing suggestions to improve customer awareness and trust in e-banking services.
1) The document is a summer internship project report on depository services at Dena Bank.
2) It provides an overview of the banking sector and Dena Bank, and introduces depository services including the two depositories in India - NSDL and CDSL.
3) The report analyzes Dena Bank's current depository services, benchmarks it against competitors, and provides recommendations to improve Dena Bank's depository business model including improvements to their website, online trading facilities, and training for employees.
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
This document analyzes the financial performance of Janata Bank from 2009-2013. It finds that the bank's current ratio fluctuated around 1, while its debt ratio decreased from 95.28% to 93.67% over this period. The bank's return on assets increased from 1% to 1.42% except in 2012 when it was -3.5%. The study recommends that Janata Bank reduce operating costs to decrease its cost to income ratio and reconsider its capital structure to lower debt levels.
5 year analysis financial-managment-idlc-bank istiuq ahmed
This document is an assignment report submitted by three students analyzing the five-year income statement and balance sheet of IDLC Finance Limited, one of the leading financial institutions in Bangladesh. It provides background on IDLC, describes the methodology used for the analysis, and outlines the key products and services offered. It then presents the income statement and balance sheet data from 2014-2018, highlighting trends in revenue, expenses, assets, liabilities, and equity. The overall purpose is to learn about practical financial analysis by examining historical financial performance of a major Bangladeshi financial company.
Banking system of Bangladesh and its development pattern MD. Rifat Hossain
Bangladesh is economy growing nation and Bank play very important role for a country development. The health a country is depends on its banking system . Bangladesh bank is the central bank of Bangladesh. .
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
Jamuna Bank Limited is a banking company in Bangladesh that started operations in 2001. The bank provides various banking services including deposits, loans, imports, exports, remittances, and guarantees. According to a customer survey, Jamuna Bank performs well in areas like competitive interest rates, reduced bank charges, no hidden charges, and trustworthy customer relationships. However, customers gave poor ratings for collateral-free lending and customized services for corporate clients. Overall, most customers expressed favorable opinions about Jamuna Bank's credit management practices.
Comparitive analysis of sbi bank and icici bankshweta248001
This document provides details of a research project comparing the e-banking services of State Bank of India and ICICI Bank. It includes an introduction, company profiles of both banks, descriptions of their e-banking services, and outlines the research methodology used in the study. The project was conducted to fulfill requirements for a Bachelor's degree in business administration with a focus on finance.
Term Paper on Evaluation of Credit Assessment & Risk Grading Management Of ...Janibul Haque
The document appears to be a term paper evaluating the credit assessment and risk grading management of Dutch Bangla Bank Ltd. It includes an introduction, statement of the problem, purpose of the study, objectives of the study, and literature review. The methodology section describes using questionnaires with bank employees and collecting both primary and secondary data. Limitations included confidentiality concerns and time constraints. Qualitative analysis found most officers cited Credit Rating Agency of Bangladesh as the credit rating agency used and that factory visits are usually conducted before loan approval.
“Analysis of Financial Performance of Jamuna Bank Limited”.pptfaqrul islam
Presentationon
“ANALYSIS OF FINANCIAL PERFORMANCE OF JAMUNA BANK LTD.’’
AREAS COVERED:
Objectives of the Report
The methodology of the Report
Limitations
Company Overview
Ratio Analysis of Jamuna Bank Ltd
Comparative Analysis
Findings of the Study
Recommendations
OBJECTIVES OF THE REPORT
Broad Objective:
The board objective of this is report to analyze the financial performance of Jamuna Bank Limited.
Specific Objectives:
To analyze the liquidity position of Jamuna Bank Limited.
To analyze the asset utilization performance of Jamuna Bank Ltd.
To assess the debt position of Jamuna Bank Ltd.
To analyze the profitability Jamuna Bank Ltd.
To compare the financial performance of Jamuna Bank Ltd. within the banking industry.
METHODOLOGY
Research Design:
This report is descriptive in nature which revels the financial performance of Jamuna Bank Ltd. It has also been administered by collecting secondary data. The secondary are collected from the annual report of Jamuna Bank Ltd, annual report of Bangladesh Bank, Website & book. The data are collected for the period of 2012 to 2016. The use of primary data is very limited in the report. Some information has been collected from observation & discussion with officers of Jamuna Bank Ltd.
INSTRUMENTS USED FOR ANALYSIS:
The ratio analysis is used to analyze the financial Performance of Jamuna Bank Ltd Ltd. Different types of computer software such as- Microsoft word, Microsoft excel etc. are used for analyzing and reporting purpose of the study. The ratio analysis is conducted in form of trend analysis.
Trend Analysis: Trend analysis is the analysis of firm’s performance over time using ratios. It is really important to analyze trend in ratio as well as their absolute levels. This analysis informs us whether a company’s financial condition improving or degenerating.
Comparative Analysis: Comparative analysis takes several periods of information and compares them from period to period.
LIMITATIONS
One of the major limitations is the shortage of internship period. Since three month is not enough to know everything of a bank, so this report does not contain all the area of Jamuna Bank ltd.
The employees in the Jamuna Bank ltd. are so much busy in their responsible fields they could provide me very little time.
Large scale analysis was not possible due to constraints & restrictions posted by the banking authority.
Limitation of personal knowledge is another one. Some knowledge has known no bound, so this report is incapable to represent all things with more depth.
Every organization has report did not disclose much information for the sake of organization confidentiality.
I carried out such a study for the first time so inexperience is one of the main constraints of study.
COMPANY OVERVIEW:
A study on financial analysis of hdfc bankMehul Rasadiya
The document provides information about HDFC Bank, including its founder Hasmukh Bhai Parekh, incorporation in 1994, board of directors, major functions, capital structure, network across India and internationally, key accounts, new logo and tagline, services offered, achievements, vision, mission, values, and financial analysis including various ratios. The bank focuses on understanding customer needs, leveraging technology, quality over quantity, and employee growth. It has a growing network across India and internationally and aims to increase its market share while maintaining standards.
General Banking Activities & Financial Performance of Agrani Bank LimitedEmran Hosain
This report has been prepared as a part of the internship program, which is an integral part of the BBA Program .Under this program a student has to take a total of 8 semesters. A student has to take a 3-month internship program to an organization. The report on “A study on General Banking Activities & Financial Performance of Agrani Bank Limited” has been prepare to fulfill an essential requirement .
This report analyzes the financial statements of Commercial Bank of Ceylon Plc for the 2011/2012 fiscal year. Ratio analysis was used to measure the bank's profitability, liquidity, and market performance. The bank had an excellent 2012 fiscal year, with assets exceeding Rs. 500 billion and post-tax profits reaching Rs. 10 billion. Key ratios such as return on assets and equity improved from the previous year, indicating better profitability and efficiency. The bank was also able to maintain strong liquidity and dividend payments for shareholders. In conclusion, the analysis found that Commercial Bank of Ceylon Plc continues to be a sound investment for existing and prospective shareholders.
This presentation provides an overview of the banking industry in Bangladesh. It discusses the historical background of banking after independence, including the six commercial banks and three foreign banks established. It also outlines the current state of the industry, including state-owned commercial banks, private commercial banks, foreign commercial banks and specialized banks. Key points about the Central Bank of Bangladesh and functions of commercial banks are summarized. The presentation also discusses Islamic banks, specialized banks, developments in the sector like e-banking and mobile banking, and challenges faced by the banking industry in Bangladesh such as an underdeveloped business environment.
This document provides information about an accounting internship. It defines accounting as identifying, measuring, and communicating financial information about an entity. The course objective is to familiarize students with academic and career opportunities in accounting. The internship is 2.5 months long, 272 hours spent at a company with a maximum of 3 students. Students will develop skills in time management, accounting software, communication, problem solving, and understanding accounting rules and procedures. Pros are hands-on experience and working with different teams, while cons are interns are not equal staff and may do menial tasks instead of practicing their specialty.
Internship Report on Financial Statements Analysis of FSIBL by Moez AnsaryMoez Ansary
This is helpful for Business Students. Full Internship Report is prepared by Moez Ansary after completing 3 months Internship program in First Security Islami Bank Ltd. (FSIBL) at Amborkhana branch. This report is about Financial Statements Analysis focusing on Islamic banks in Bangladesh. The financial statements are analyzed by horizontal, vertical & ratio analysis. This Internship Report by Moez Ansary is useful for Accounting & Finance Students. This Report was closely supervised by Mr. Iehit Sharma, Senior Lecturer of Business Administration at Leading University.
This document presents a study on consumer awareness and perception of e-banking services provided by Bank of Maharashtra. The study utilized both primary and secondary research methods including a questionnaire survey of 35 customers. Key findings were that customers found e-banking services to be more convenient and secure than branch banking. However, some customers still felt unsure about security of e-banking transactions. The document concludes by providing suggestions to improve customer awareness and trust in e-banking services.
1) The document is a summer internship project report on depository services at Dena Bank.
2) It provides an overview of the banking sector and Dena Bank, and introduces depository services including the two depositories in India - NSDL and CDSL.
3) The report analyzes Dena Bank's current depository services, benchmarks it against competitors, and provides recommendations to improve Dena Bank's depository business model including improvements to their website, online trading facilities, and training for employees.
State Bank of India (SBI) is India's largest bank with over 14,000 branches and 32,000 ATMs. It was established in 1955 and nationalized in 1969. SBI has a large domestic and international presence with over 180 overseas offices. Some key points:
- Deposits have risen to Rs. 12 trillion with 15% annual growth, while advances crossed Rs. 10 trillion with 21% growth.
- It has expanded its branch network by 719 branches to a total of 14,816 branches, with 66% located in rural/semi-urban areas.
- SBI has subsidiaries in Canada, California, and several other countries around the world.
- Major
This document analyzes the financial performance of Janata Bank from 2009-2013. It finds that the bank's current ratio fluctuated around 1, while its debt ratio decreased from 95.28% to 93.67% over this period. The bank's return on assets increased from 1% to 1.42% except in 2012 when it was -3.5%. The study recommends that Janata Bank reduce operating costs to decrease its cost to income ratio and reconsider its capital structure to lower debt levels.
5 year analysis financial-managment-idlc-bank istiuq ahmed
This document is an assignment report submitted by three students analyzing the five-year income statement and balance sheet of IDLC Finance Limited, one of the leading financial institutions in Bangladesh. It provides background on IDLC, describes the methodology used for the analysis, and outlines the key products and services offered. It then presents the income statement and balance sheet data from 2014-2018, highlighting trends in revenue, expenses, assets, liabilities, and equity. The overall purpose is to learn about practical financial analysis by examining historical financial performance of a major Bangladeshi financial company.
Banking system of Bangladesh and its development pattern MD. Rifat Hossain
Bangladesh is economy growing nation and Bank play very important role for a country development. The health a country is depends on its banking system . Bangladesh bank is the central bank of Bangladesh. .
This Presentation will represent all the information about general banking activities of Mutual Trust Bank Ltd. It also describe an intern activities report to a specific branch of Mutual Trust Bank.
Jamuna Bank Limited is a banking company in Bangladesh that started operations in 2001. The bank provides various banking services including deposits, loans, imports, exports, remittances, and guarantees. According to a customer survey, Jamuna Bank performs well in areas like competitive interest rates, reduced bank charges, no hidden charges, and trustworthy customer relationships. However, customers gave poor ratings for collateral-free lending and customized services for corporate clients. Overall, most customers expressed favorable opinions about Jamuna Bank's credit management practices.
Comparitive analysis of sbi bank and icici bankshweta248001
This document provides details of a research project comparing the e-banking services of State Bank of India and ICICI Bank. It includes an introduction, company profiles of both banks, descriptions of their e-banking services, and outlines the research methodology used in the study. The project was conducted to fulfill requirements for a Bachelor's degree in business administration with a focus on finance.
Term Paper on Evaluation of Credit Assessment & Risk Grading Management Of ...Janibul Haque
The document appears to be a term paper evaluating the credit assessment and risk grading management of Dutch Bangla Bank Ltd. It includes an introduction, statement of the problem, purpose of the study, objectives of the study, and literature review. The methodology section describes using questionnaires with bank employees and collecting both primary and secondary data. Limitations included confidentiality concerns and time constraints. Qualitative analysis found most officers cited Credit Rating Agency of Bangladesh as the credit rating agency used and that factory visits are usually conducted before loan approval.
“Analysis of Financial Performance of Jamuna Bank Limited”.pptfaqrul islam
Presentationon
“ANALYSIS OF FINANCIAL PERFORMANCE OF JAMUNA BANK LTD.’’
AREAS COVERED:
Objectives of the Report
The methodology of the Report
Limitations
Company Overview
Ratio Analysis of Jamuna Bank Ltd
Comparative Analysis
Findings of the Study
Recommendations
OBJECTIVES OF THE REPORT
Broad Objective:
The board objective of this is report to analyze the financial performance of Jamuna Bank Limited.
Specific Objectives:
To analyze the liquidity position of Jamuna Bank Limited.
To analyze the asset utilization performance of Jamuna Bank Ltd.
To assess the debt position of Jamuna Bank Ltd.
To analyze the profitability Jamuna Bank Ltd.
To compare the financial performance of Jamuna Bank Ltd. within the banking industry.
METHODOLOGY
Research Design:
This report is descriptive in nature which revels the financial performance of Jamuna Bank Ltd. It has also been administered by collecting secondary data. The secondary are collected from the annual report of Jamuna Bank Ltd, annual report of Bangladesh Bank, Website & book. The data are collected for the period of 2012 to 2016. The use of primary data is very limited in the report. Some information has been collected from observation & discussion with officers of Jamuna Bank Ltd.
INSTRUMENTS USED FOR ANALYSIS:
The ratio analysis is used to analyze the financial Performance of Jamuna Bank Ltd Ltd. Different types of computer software such as- Microsoft word, Microsoft excel etc. are used for analyzing and reporting purpose of the study. The ratio analysis is conducted in form of trend analysis.
Trend Analysis: Trend analysis is the analysis of firm’s performance over time using ratios. It is really important to analyze trend in ratio as well as their absolute levels. This analysis informs us whether a company’s financial condition improving or degenerating.
Comparative Analysis: Comparative analysis takes several periods of information and compares them from period to period.
LIMITATIONS
One of the major limitations is the shortage of internship period. Since three month is not enough to know everything of a bank, so this report does not contain all the area of Jamuna Bank ltd.
The employees in the Jamuna Bank ltd. are so much busy in their responsible fields they could provide me very little time.
Large scale analysis was not possible due to constraints & restrictions posted by the banking authority.
Limitation of personal knowledge is another one. Some knowledge has known no bound, so this report is incapable to represent all things with more depth.
Every organization has report did not disclose much information for the sake of organization confidentiality.
I carried out such a study for the first time so inexperience is one of the main constraints of study.
COMPANY OVERVIEW:
A study on financial analysis of hdfc bankMehul Rasadiya
The document provides information about HDFC Bank, including its founder Hasmukh Bhai Parekh, incorporation in 1994, board of directors, major functions, capital structure, network across India and internationally, key accounts, new logo and tagline, services offered, achievements, vision, mission, values, and financial analysis including various ratios. The bank focuses on understanding customer needs, leveraging technology, quality over quantity, and employee growth. It has a growing network across India and internationally and aims to increase its market share while maintaining standards.
This document provides an overview of a project report on the financial statement analysis of three major banks in India - ICICI, Axis, and HDFC banks - from 2007-2008 to 2011-2012. It includes an introduction outlining the objectives, scope, research methodology, and limitations of the project. It also provides background context on the Indian economy, history of banking in India, and profiles of the three banks analyzed. The document outlines the various chapters that will be included in the full report, such as the accounting policies, tools for financial statement analysis, analysis and interpretation of financial data for the banks, and conclusions.
Bank of Baroda (BoB) is one of the largest public sector banks in India with over 5000 branches globally. It was founded in 1908 in Baroda, Gujarat by the Maharaja of Baroda. Over the years, BoB has expanded both within India and internationally. In 1969, it was nationalized along with 13 other major banks. Today, BoB offers a wide range of banking products and services to corporate and retail customers. It has received several awards recognizing its leadership and customer service. BoB has a strong presence both within India and globally across over 20 countries.
The document provides information about Axis Bank's products and services. It describes various retail banking facilities like ATMs, internet banking, loans, and cash management services. The cash management services help corporate customers in managing receivables through collection solutions and payments through options like bulk payments. It also discusses managing resources through liquidity management and managing taxes using CBDT and CBEC collection services.
Financial ratio analysis hdfc bank newManoj Jhawar
This document discusses various financial ratios that can be used to analyze a company's financial health and performance. It provides information on liquidity ratios like the current ratio and quick ratio. It also discusses profitability ratios such as net profit margin, return on equity, and earnings per share. Other ratios covered include asset turnover, debt-to-equity, and interest coverage. The document uses HDFC Bank and ICICI Bank as examples to demonstrate how these ratios can be interpreted and compares the financial strength and performance of the two companies over time. It highlights that different ratios interest various stakeholders like investors, creditors, and managers in evaluating a company.
A project report on analysis of financial statement of icici bankProjects Kart
This document discusses a minor project report on the analysis of the financial statements of ICICI Bank. It provides background information on ICICI Bank, including its history, board of directors, organizational structure, products and services. It then outlines the objectives and contents of the financial statement analysis project, which includes studying ICICI Bank's profit and loss account, balance sheet, and cash flow statement as well as conducting ratio analysis and evaluating the bank's financial soundness.
This document is a project report on the service quality of HDFC Bank. It includes an introduction, company profile of HDFC Bank, discussion of service quality in banks, research objectives, methodology, data analysis, findings, conclusion and recommendations. It also includes various appendices related to the project such as a questionnaire. The overall aim of the report is to evaluate the service quality provided by HDFC Bank to its customers.
- The Indian Overseas Bank annual report summarizes the bank's financial performance and operations for the fiscal year ending March 31, 2013.
- Some key highlights include the bank achieving business growth of 13.92% and reaching a business size of Rs. 3,50,000 crores. The bank's total deposits increased 13.28% to Rs. 2,02,135 crores while advances grew 14.72% to Rs. 1,64,366 crores.
- However, due to higher provisions the bank's net profit declined to Rs. 567 crores compared to Rs. 1,050 crores the previous year. The bank maintained a capital adequacy ratio of 11.85%
The document provides an overview of Jamuna Bank Limited (JBL), including its background, objectives, organizational analysis, and methodology. Some key points:
- JBL is a private commercial bank established in 2001 in Bangladesh to provide modern banking services. It has grown to 77 branches across the country.
- The bank aims to play a role in Bangladesh's economic development through offering customer-centric services and responsible lending.
- The report examines JBL's financial performance, credit approval processes, and challenges in order to understand how it operates and achieves its objectives.
- Both primary data collected from employee and customer interviews and secondary sources like reports and the bank's website are used in the analysis.
Credit risk management practice in eastern bank limitedSyed Fazle Imam
- The document provides background information on Credit Risk Management practices at Eastern Bank Limited's Gulshan branch in Bangladesh.
- It discusses the objectives, scope, sources of data/methodology, and limitations of studying EBL's credit risk management procedures for SME loans.
- EBL was formed in 1992 after taking over branches of the former Bank of Credit and Commerce International in Bangladesh. It has grown significantly in recent years through strategic changes, new technology/products, and a focus on both wholesale and retail banking.
XacBank is one of Mongolia's leading banks, known for its strong asset quality, capitalization, and corporate governance. It has experienced consistent growth over time, with total assets increasing from MNT 468.4 billion in 2010 to MNT 895.4 billion in the first half of 2012. XacBank aims to maintain its leadership position in retail banking while expanding its presence in the growing SME and corporate sectors. It is committed to contributing to Mongolia's social and economic development through a strategy focused on responsible growth, customer service, and corporate social responsibility.
XacBank is one of Mongolia's leading banks, known for its strong asset quality, capitalization, and corporate governance. It has experienced consistent growth over time, with total assets increasing from MNT 468.4 billion in 2010 to MNT 895.4 billion in the first half of 2012. XacBank aims to maintain its leadership position in retail banking while expanding its presence in the growing SME and corporate sectors. It is committed to contributing to Mongolia's social and economic development through a strategy focused on responsible growth, customer service, and corporate social responsibility.
Public Bank Berhad is Malaysia's third largest bank. It has achieved strong financial performance in recent years through competitive strategies such as expanding its retail banking services and digital banking capabilities. The bank faces uncertainties from economic downturns and increased competition in home mortgages. However, through prudent management and by responding flexibly to changes, Public Bank has been able to consistently deliver profit growth and shareholder returns.
English press release dec 2012 - condensedQNB Group
QNB Group reported record profits of over QR8.3 billion for 2012, an 11.1% increase over 2011. The Board is recommending a cash dividend of 60% of the nominal share value. Total assets grew 21.5% to QR367 billion due to strong growth in loans and customer deposits. The acquisition of National Société Générale Bank will increase staff to almost 13,000 with over 560 branches and 1,150 ATMs upon regulatory approval.
This document provides an overview and analysis of the performance of Prime Bank Limited and Eastern Bank Limited from 2008-2013. It analyzes their liquidity, leverage, efficiency, profitability, market position, and risk factors. Ratios are calculated using financial statements to compare the two banks' performances. The document finds that while both banks improved over time, one bank consistently outperformed the other based on the financial analysis. Recommendations are provided to help banks further enhance their performance.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
This document provides information about Standard Bank Limited (SBL) in Bangladesh. It discusses SBL's history, ownership structure, functions, vision, mission and objectives. Specifically:
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- The bank is a public limited company with an authorized capital of 1500 crore taka. As of 2012, paid up capital was 487.36 crore taka.
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The document discusses the performance of Dutch Bangla Bank Ltd (DBBL) in 2010. It summarizes that DBBL achieved substantial growth in business and profit during 2010 despite competitive market conditions. Deposits increased by 22.8%, loans and advances increased by 39.8%, and import/export business increased by 65.1% and 78.6% respectively. Operating profit increased by 55.7% and net profit after tax increased by 76.0% from 2009 levels. Lower funding costs and higher interest/non-interest income contributed to improved profitability. The Managing Director expresses gratitude to clients, shareholders, and other stakeholders for their support in helping DBBL achieve success.
This document provides an overview of Jordan Ahli Bank's annual report for 2021. It highlights the bank's financial performance, digital transformation initiatives, and future plans. Some key points include:
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- The bank launched several new digital banking platforms and mobile apps in 2021 to improve the customer experience and increase financial inclusion. This included an app to open accounts electronically without visiting a branch.
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presentation of Saima binte yusuf of patuakhali.pptxsyedrayhan000
This document contains a presentation on the credit management of Dhaka Bank Limited. It begins with welcoming remarks and introduces the presenter and topic of the presentation. The presentation objectives are to analyze the theoretical aspects and procedures of Dhaka Bank's credit management and conduct a comparative performance analysis. It will utilize secondary data sources and analytical tools like trend and comparative analysis. An overview of Dhaka Bank provides background before examining credit types, management processes, and comparative performance metrics like loans over time. Major findings note trends in credit disbursement and classified loans. Recommendations include maintaining growth, diversifying lending sectors and regions, and controlling non-performing loans.
China City Commercial Bank Industry Report, 2012ReportsnReports
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This presentation summarizes the financial analysis of United Commercial Bank Limited (UCBL) over a five year period from 2010-2014. It includes an analysis of UCBL's current ratio, debt ratio, net profit margin, return on assets, return on equity, and earnings per share over this time period. It also provides a comparative analysis of UCBL's performance versus industry averages for return on assets and return on equity. Major findings are that UCBL has maintained a stable current ratio and lower cost to income ratio compared to industry averages. The presentation concludes with recommendations to UCBL such as maintaining their current ratio and developing their information systems.
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The document is a report on the financial performance and analysis of BRAC Bank submitted by a group of students. It includes an executive summary, introduction, background, objectives, methodology and limitations of the report. It provides an overview of BRAC Bank including its vision, mission and organizational structure. It discusses theoretical aspects like trend analysis of deposits, loans and advances, and investments. It analyzes the bank's loan classification status and different financial ratios like current ratio, debt ratio, credit to deposit ratio and cost income ratio. The document conducts analysis of BRAC Bank's financial performance over several years.
- The company achieved steady growth in 2012 despite challenges from the slowing economy and weak capital markets. Total premiums grew to RMB995.8 billion, driven by growth in renewal premiums.
- The value of new business grew to RMB20.8 billion and in-force business value reached RMB209.1 billion. Both the individual and group insurance businesses saw steady growth, while the short-term business maintained its leading position.
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The document provides a summary of financial and economic news from November 2012. It discusses the strong third quarter results of Commercial Bank of Ceylon, including a 25% increase in pre-tax profits. It also summarizes highlights from Sri Lanka's Budget 2013, including expansions to investment funds for banking, the introduction of a 1% levy on bank profits, and increased allocations for education, irrigation, and research & development. The document closes with a brief section on macroeconomic trends in Sri Lanka.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
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Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
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Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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1. Analysis of Financial Statements of Commercial Bank of Ceylon Plc
Based on Annual Report 2011/2012
A Comprehensive Report for the Existing and Prospective Investors
Prepared to: Dr.E.M.A.S.B.Ekanayake
Senior Lecturer,
Dept of Management Studies
University of Peradeniya
Prepared By:
N.Mohamed Nithal HD/DIP/12/13/136
MGT506: Financial Statement Analysis
Post Graduate Diploma in Accounting & Finance
University of Peradeniya
2. Executive Summary
This report analyzes the financial statements of Commercial Bank of Ceylon Plc based on the
2011/2012 Annual Report. Comparative Financial Analysis and Ratio Analysis are employed to
measure the Profitability, Liquidity and Market Performance of Commercial Bank of Ceylon Plc.
A significant trend is noticed at the Financial year 2012, has been excellent one for the Bank as
evident from its Assets Portfolio crossing Rs.500 Bn and Profit After Taxation reaching Rs10.
Bn.
4. 1. Introduction
During the financial year under review (FY 2012), significant fluctuations in key economic
variables, most notably the exchange and local interest rates, remained the norm. Over the
course of the reporting period, the Sri Lankan Rupee (LKR) peaked to 134 against the USD,
reflecting a depreciation of over 17% compared to the beginning of the year. Likewise, interest
rates maintained an upward momentum throughout the year with the Average Weighted Prime
Lending Rate (AWPLR) increasing from 10.8% at the start of 2012 to reach 14.4% by year end.
Nevertheless, the Banking sector benefited from these fluctuations, with notable gains from
foreign exchange movements and improved interest margins.
2. Industry & Strategy Analysis
“Commercial Bank of Ceylon PLC”, also known as Commercial Bank is identified as the
benchmark private bank in Sri Lanka operating 227 branches in Sri Lanka and 17 branches in
Bangladesh. Commercial Bank is the only Sri Lankan bank operating in Bangladesh. The
company has plans for covering a wider area by extending the market to South Asian countries
such as India and Maldives. The company’s vision is "To be the most technologically advanced,
innovative and customer friendly financial services organisation in Sri Lanka, poised for further
expansion in South Asia". Commercial Bank has an extended vision of becoming the number 1
private bank in Sri Lanka, and simultaneously to overtake all the government banks in 10 years
time. The bank is also considered as one of the most profitable bank in Sri Lanka assuring
excellent and diverse facilities and services for both employees and customers.
1
5. This comprehensive SWOT profile of Commercial Bank of Ceylon PLC provides an in-depth strategic
SWOT analysis of the company’s businesses and operations. This table shows a clear and an unbiased
view of the company’s key strengths and weaknesses and the potential opportunities and threats.
Strengths
1. The Bank had the largest market
capitalization.
2. Customer base, our highly trained and
motivated staff, our superior
technological platform & IT driven
processes and our highly developed
work ethic and culture.A very customer
centric Bank maintaining the highest
levels of engagement with its
customers.
3. Taking the number of branches to 227
and 55 ATMs coming on line making a
total of 555 by end of 2012 & Operates
17 delivery points and 17 ATMs in
Bangaldesh.
Weaknesses
1. Countrywide loan write-offs, claims,
and settlements.
2. Unable to capture the Retails Banking
since the other competitive player in the
industry have a huge market share of
the industry.
Threats
1. Loan growth due to regulatory barriers
and economic trend.Creating economic
value addition while minimizing
adverse impacts on people and planet.
2. Stiff competition in the Local Market.
3. Adverse macro economic variables both
locally and globally & Stakeholder’s
dissatisfaction due to lapses in the
Bank’s engagement process.
Opportunities
1. Lending opportunities thriving from
large scale infrastructure development
taking place in the country in its
journey to become “Miracle of Asia”
2. Serving unnoticed market niches with
the gamut of sustainability merits &
customers loyalty being the benchmark
private sector Bank which is a definite
advantage in perking up the market
share.
2
6. 3. Accounting Analysis
Changes to Financial Reporting Standards
With the new Sri Lanka Accounting Standards (SLFRS / LKAS) issued in line with the
International Financial Reporting Standards becoming effective from 1st January 2012, business
entities were required to apply these standards retrospectively, with all adjustments to equity up
to the transitional date of 1stJanuary 2011, recognized under Statement of Change in Equity.
As required by these standards, the Bank prepared its opening Statement of Financial Position as
at 1stJanuary 2011 based on the assumption that the Bank had applied these standards
retrospectively with all the adjustments to equity being recognized directly on the Statement of
Changes in Equity.
4. Financial Analysis
4.1 Comparative Financial Statement Analysis
Statement of Comprehensive Income
Income
The Bank’s interest income for the reporting period grew by 37.36%, prompted by increase in
yields coupled with growth in interest earning assets. Interest cost mirrored this upward
movement with perceptible increase of 51.81%. Higher deposit rates, deposit growth as well as
conversion of low cost deposits to fixed deposits at higher rates pushed the interest costs
upwards. Nevertheless, the Bank witnessed a growth of 22.19% in net interest income amounting
to LKR 4 Bn during the financial year 2012. Efforts in this regard yielded positive results with
the Bank increasing its commission income by 10.13% in 2012 against that of the previous
financial year.
3
7. Operating expenses
Commercial bank is one of the best managed banks in the country today. The operational
excellence is primarily achieved through optimal and lean cost structures adopted by the bank.
Other expenses including premises, equipment and establishment costs increased by 9.82%
during the year 2012 and despite the stated increases in operating expenses, the higher
percentage growth in income compared to expenses was facilitated by new branches that
augmented the network during 2010 and 2011. These contributed positively towards the bottom
line.
Profitability
The Bank’s pre-tax profits recorded a strong growth of 31.18% to LKR 14.2 Bn compared to
2011 while Group pre-tax profits also improved by 30.35% to LKR 14.3 Bn. The net profit after
tax for the Bank recorded a growth of 28.10% to stand at LKR 4.1 Bn while the Group net profit
after tax recorded a year on year growth of 27.09% to LKR 10.08 Bn for the year ended 31st
December 2012.The Return On Assets (ROA) for the Bank in 2012 improved to 2.12%
compared to 1.94% in the previous year, with improved margins, higher non-interest income to
net income and reduction in cost to income ratios positively contributing towards same while
Return on Equity was maintained at 20.96%.
Statement of Financial Position
The greatest challenge in 2012 was to source adequate funding to support the unprecedented
growth in credit witnessed in 2011, which also spilt over to the early part of 2012. As the Central
Bank imposed conditional restrictions on the loan growth, obtaining foreign funding (to have the
flexibility to increase the asset growth up to 23% if required) was also a key objective at the start
of the financial year. In totality, gross loans and advances grew by 18.68% and other interest
earning assets by 4.8 %. There was no major change in the stated capital of the Bank.
4
8. 4.2 Ratio Analysis
4.2.1 Profitability Ratios
Return on Assets & Return on Equity
Bank continued to maintain excellent levels of profitability as depicted by the ROA and ROE.
Inf8act ROE is much higher than the underlying cost of equity.
The trend reflected by ROA and ROE is reflected in the cost to income ratio, which improved by
4 .2% from 51.7 in 2011 to 47.50 in 2012 indicating better efficiency and profitability
performance.
4.2.2 Liquidity Ratios
Liquid Asset Ratio
The bank liquid assets ratio stood above 25%.During most part of the year Deposit mobilization
efforts as well as provident fund management enabled the Bank to main satisfactory LAR. The
LAR of 25.8% as at Dec 31, 2012 was well above 20% minimum stipulated by the CBSL. The
ratio increase by 0.8% from 25% in 2011 to 25.8 in 2012 indicating a increase in the amount of
customer and short term funds that could be met if they were not suddenly withdrawn.
4.2.3 Efficiency Ratios/Debt Management Ratio
Debt to Equity Ratio
The debt to equity ratio has been increased from 2.35% to 18.25% in 2012.This shows a high
risk on investors. This is mainly due to the Bank was raised long term loan of US $ 65 Mn from
International Finance Corporation (IFC), to improve financial assistance to SME sector. There
was no major change in the stated capital of the Bank.
5
9. Interest Cover Ratio (Times)
The Interest Cover Ratio has been reduced from 49.07 to 48.61 in 2012.The ability of the
company to pay the Fixed interest slightly came down by significant amount followed the long
term loan obtained from international Finance Corporation (IFC) in 2012.
4.2.4 Market/ Investors Ratios
Earnings per Share
The significant growth in profits during the year resulted in a 28.09% rise in the Company’s
Earnings per Share to
Rs.12.13 compared with Rs. 9.47 the previous year.
Price Earnings Ratio
The price Earnings ratio declined by three times from 11 times in 2011 to 9 times in 2012,mainly
due to the lower improvement in Market Shares Value during 2012, while the Earning Per share
has been increased to Rs.12 in 2012 from Rs.9 in 2011.
Dividend per share
In accordance with the dividend policy of the Bank which ensures a reasonable to the
shareholders while funding future growth, the Bank has been paying a fairly consistent dividend
in the past. The dividend per share improved by 8.33% from Rs.6 to Rs. 6.50, indicating a better
return to the Shareholders.
Dividend Payout Ratio
Total dividend payout ratio of the Bank amounted to 53.7% compared to 62.3% in
2011.similarly the cash dividend payout ratio amounted to 37.1% compared to 41.5% in 2011.the
total dividend payout ratio was well above the minimum level of prescribed by the deemed
dividend rules of the Department of the Inland Revenue.
6
10. Net assets value per share
Net assets value per share has been increased from Rs.54 in 2011 to Rs.63 in 2012, mainly due to
shareholders funds recorded a growth of Rs.8.8 Bn in 2012.
7
11. 5. Conclusions and Recommendations
The main issue considered in this analysis was whether to make the investment in Commercial
Bank of Ceylon Plc, is a viable option for the existing and Prospective Shareholders. Based on
the preceding analysis, the conclusion drawn is that such an investment is likely to be a sound
investment. Accordingly, the following recommendations are made:
1. It is noted through our Analysis the Bank strong market position as Sri Lanka’s
largest privately owned licensed commercial bank (“LCB”) and third-largest
overall LCB. The Analysis also reflects Commercial Bank’s strong franchise and
healthy financial performance, funding and liquidity, as well as good
capitalization levels.
2. Year on year basis Commercial Bank of Ceylon PLC grew revenues 38.94%
from 44.55bn to 61.90bn while net income improved 27.08% from 7.93bn to
10.08bn
3. Year on year, both dividends per share and earnings per share excluding
extraordinary items growth increased 14.50% and 27.08%, respectively.
4. The positive trend in dividend payments is noteworthy since only some
companies in the Regional Banks industry pay a dividend. Additionally when
measured on a five year annualized basis, both dividend per share and earnings
per share growth ranked in-line with the industry average relative to its peers
5. The Banks uses little or no debt in its capital structure
6. The Bank’s performance is deemed healthy owing to the operational cost
efficiencies achieved through its low-cost delivery channels and economies of
scale. This has translated into an ROA that is among the industry’s best.
7. In the short to medium term, Commercial Bank’s performance is expected to
remain healthy, backed by its expanding loan base and operational efficiencies
despite a lower Net Interest Margin. 8
Net profit margin 30.74%
Operating margin 43.66%
12. References
(Annual Report, Commercial Bank of Ceylon Plc, 2012), Retrieved from
http://www.combank.net/newweb/investor-relations
John Wild et al.(2001). Financial Statement Analyis.7th
Edition. McGraw-Hill. Irwin.
Budgeting and Finance (First Books for Business) by Peter Engel. (McGraw-Hill, 1996).
Fundamentals of Financial Management, 11th ed. by James C. Van Horne and John Martin Wachowicz.
(Prentice Hall, 2001).
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