Standard Chartered Bank Ltd Financial Statement Analysis
Standard Chartered Bank Ltd
Financial Statement Analysis
In respect of: Prof. Muhammad Usman
Submitted By:
Abdul Qadir (021)
Amber sarfrz (051)
M.Usman (067)
Samar Rasheed (069)
Sanan Hayat (071)
Financial Management
Institute of Business Administration
University of The Punjab,Lahore
Pakistan
DEDICATION
We would like to dedicate this project to our mentor and respected teacher
Prof. Muhammad Usman
Whose love and support give us the strength to work…
Contents Introduction 1 RATIO ANALYSIS 2 Average rate of lending: 2 Average rate of borrowings, deposits: 2 Admin cost/ deposits: 2 Spread: 3 Expense/ income: 3 Return on assets: 3 Return on equity: 3 Infection ratio: 4 Advance/ deposits: 4 Other Ratios not forming Basic Banking Ratios 4 Price/Earning Ratio: 4 PULSE FEELING ANALYSIS 5 Income Statemnt 5 Markup/ Return/ Interest Earned: 5 Vertical Analysis: 5 Change as compare to previous year: 5 Markup/ Return/ Interest expensed: 6 Vertical Analysis: 6 Change as compare to previous year: 6 Net Markup/ Interest Income: 7 Provision against Non-Performing Loans: 7 Recovery of amounts written off in previous years: 7 Provision against diminution in value of investment: 7 Bad debts written off directly: 7 Net markup/ Interest income after provisions: 7 Non Markup/ Interest income: 8 Fee Commission and Brokerage Income: 8 Dividend Income: 8 Income from dealing in Foreign Currencies: 8 Gain on sale of securities: 8 Vertical Analysis: 9 Change as compare to previous year: 9 Unrealized gain/ (loss) on revaluation of investments classified as held for trading: 9 Other Income: 9 Total Non- Markup/ Interest Income: 9 Non-Markup/ Interest Expensed: 10 Administrative Expenses: 10 Vertical Analysis: 10 Change as compare to previous year: 10 Other provisions/ assets write off: 11 Other Charges: 11 Profit before Taxation: 11 Taxation: 11 Profit after Taxation: 11 Basic/Diluted earning per
Financial Statement Analysis
In respect of: Prof. Muhammad Usman
Submitted By:
Abdul Qadir (021)
Amber sarfrz (051)
M.Usman (067)
Samar Rasheed (069)
Sanan Hayat (071)
Financial Management
Institute of Business Administration
University of The Punjab,Lahore
Pakistan
DEDICATION
We would like to dedicate this project to our mentor and respected teacher
Prof. Muhammad Usman
Whose love and support give us the strength to work…
Contents Introduction 1 RATIO ANALYSIS 2 Average rate of lending: 2 Average rate of borrowings, deposits: 2 Admin cost/ deposits: 2 Spread: 3 Expense/ income: 3 Return on assets: 3 Return on equity: 3 Infection ratio: 4 Advance/ deposits: 4 Other Ratios not forming Basic Banking Ratios 4 Price/Earning Ratio: 4 PULSE FEELING ANALYSIS 5 Income Statemnt 5 Markup/ Return/ Interest Earned: 5 Vertical Analysis: 5 Change as compare to previous year: 5 Markup/ Return/ Interest expensed: 6 Vertical Analysis: 6 Change as compare to previous year: 6 Net Markup/ Interest Income: 7 Provision against Non-Performing Loans: 7 Recovery of amounts written off in previous years: 7 Provision against diminution in value of investment: 7 Bad debts written off directly: 7 Net markup/ Interest income after provisions: 7 Non Markup/ Interest income: 8 Fee Commission and Brokerage Income: 8 Dividend Income: 8 Income from dealing in Foreign Currencies: 8 Gain on sale of securities: 8 Vertical Analysis: 9 Change as compare to previous year: 9 Unrealized gain/ (loss) on revaluation of investments classified as held for trading: 9 Other Income: 9 Total Non- Markup/ Interest Income: 9 Non-Markup/ Interest Expensed: 10 Administrative Expenses: 10 Vertical Analysis: 10 Change as compare to previous year: 10 Other provisions/ assets write off: 11 Other Charges: 11 Profit before Taxation: 11 Taxation: 11 Profit after Taxation: 11 Basic/Diluted earning per