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ASKARI BANK, UNITED BANK AND BANK ALFALAH
FOR THE YEARS 2009, 2010, 2011
A PROPOSAL FOR REPORT
TO BE SUBMITTED TO THE DEPARTMENT OF MANAGEMENT SCIENCES,
VIRTUAL UNIVERSITY OF PAKISTAN
IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR
THE DEGREE OF MASTER IN BUSINESS ADMINISTRATION (MBA-Exec)
Virtual University of Pakistan
Letter of Undertaking
Job confirmation letter
I would like to dedicate this project to
Ashar Ali & Mubashar Ali
All my efforts for my MBA and this Project would have been nothing with out the help and grace of Almighty Allah and I am always Gratified to Blessings of Allah.
More than anybody else, I would like to acknowledge my uncle Mr. Ashfaq Ali Tabassam for his never ending support. He always guided me whenever I felt stuck off and his encouragement always worked as moral booster for me.
I would like to extend my special thanks to my friend Mr. Aamir who advised me time to time and provided me technical assistance.
I am highly indebted to my boss in my organization Mr. Muzaffar Ali who spared me and gave me ample time, out of my professional commitments, to go all out for my MBA from Virtual University of Pakistan.
The purpose of this report titled “RATIO ANALYSIS OF ASKARI BANK, UNITED BANK AND BANK ALFALAH FOR THE YEARS 2009, 2010, 2011”is to investigate the financial performance of these banks during the mentioned period. The first chapter of this report deals with introduction of project and banks under study, financial period under consideration, objectives and significance of the project. The second part is about data processing and analysis. The fourth chapter is about calculation of different ratios its comparison and interpretation. In last chapter conclusions and recommendations have been given.
The data for the study is collected from financial repots of the banks which are available on theirs respective websites. The financial reports included the balance sheet, income statement and cash flow statements.
As regards to finding of study, the Net Profit Margin ratio of Askari and bank Alfalah is low as compare to UBL. UBL is also on top in gross spread ratio, return on equity, debt ratio and Advance/Deposit ratio. While Askari Bank has better cash flow ratio and Price/Earning ratio.
It is recommended for Bank Alfalah and Askari bank to cut down their non markup expenses to improve their Net Profit Margin Ratio while, on the other hand their turnover is satisfactory. UBL and Alfalah should decrease their current liabilities and ensure the availability of more liquidity to meet short term debts. Askari bank and bank Alfalah both banks need to adopt measures to cut down their interest expenses in order to increase their gross spread ratio. In order to increase non interest income Askari and Alfalah needs to increase their earnings through fees, commissions and other advisory charges etc.
In Advance/Deposit ratio Askari bank and Alfalah should have to utilize their deposits in more projects either through corporate...