Preview

Evaluating Bank Performance

Better Essays
Open Document
Open Document
2332 Words
Grammar
Grammar
Plagiarism
Plagiarism
Writing
Writing
Score
Score
Evaluating Bank Performance
FN6012 –COMMERCIAL BANK MANAGEMENT
NATSIOU ALNISA
ASSIGNMENT#2

PROBLEM 3.1 --- CHAPTER 3

3.1(a)

FINANCIAL RATIOS FOR Z-BANK'S
PEER GROUP | | | | |FINANCIAL RATIOS FOR Z-BANK * | | | | | | | | | | | | | | |Financial Ratios | |20XX-1 |20XX | |Financial Ratios | |20XX-1 |20XX | |Profit Ratios | | | | |Profit Ratios | | | | |Return on Equity (ROE) | |20,00% |18,00% | |Return on Equity (ROE) | |53,66% |14,63% | |Return on Assets (ROA) | |1,00% |0,90% | |Return on Assets (ROA) | |1,85% |0,56% | |Profit Margin | |7,00% |6,50% | |Profit Margin | |13,02% |4,20% | |Net Operating Margin | |2,40% |2,30% | |Net Operating Margin | |29,00% |9,80% | |Net Interest Margin | |5,20% |5,00% | |Net Interest Margin | |5,60% |1,86% | |Asset Utilization | |17.86% |18.46% | |Asset Utilization | |14,20% |13,38% | |Risk Ratios | | | | |Risk Ratios | | | | |Capital | | | | |Capital | | | | |Equity Multiplier | |16,00 |15,00 | |Equity Multiplier | |29,02 |26,07 | |Asset Quality | | | | |Asset Quality | | | | |Loss Rate | |0,35% |0,45% | |Loss Rate | |0,56% |0,66% | |Loan Rate | |55,00% |53,00% | |Loan Rate | |58,82% |56,13% | |Operating Efficiency (%of total assets) | | | | |Operating Efficiency (%of total assets) | | | | |Interest Expense | |6,50% |6,55% | |Interest Expense | |66,67% |70,54% | |Wages and Salaries | |1,72% |1,74% | |Wages and Salaries | |16,67% |13,95% | |Occupancy | |0,48% |0,49% | |Occupancy | |5,00% |4,65% | |PLL | |0,30% |0,32% | |PLL | |3,33% |3,10% | |Other Expenses | |0,85% |0,85% | |Other Expenses | |8,33% |7,75% | |Liquidity | | | | |Liquidity | | | | |Cash Ratio | |17,00% |17,00% | |Cash Ratio | |28,57% |30,87% | |Cash and Securities Ratio | |36,00% |37,00% | |Cash and Securities Ratio | |33,19% |35,36% | |Other Financial Ratios | | | | |Other Financial Ratios | | | | |Tax Rate | |50,00% |50,00% | |Tax Rate | |46,94% |50,00% | |Dollar Gap Rate | | -15,00% | -10,00% | |Dollar Gap Rate | |-34,37% |-29,19% | |

(* The calculations made for
Continue Reading
View Writing Issues

You May Also Find These Documents Helpful

  • Good Essays

    Censored data & Truncated data
    • 481 Words
    • 2 Pages

    Censored data & Truncated data

    Censoring occurs when an observation or a measurement is outside the range and people don’ t know the certain value. The value is always above or below the range that people set. However, truncated data means that because of the limits, such as time, or space, people lose some data. Truncation is to cut off the data.…

    • 481 Words
    • 2 Pages
    Good Essays
    Read More
  • Powerful Essays

    Citibank: Performance Evaluation
    • 1756 Words
    • 8 Pages

    Citibank: Performance Evaluation

    Citibank corporate strategy: focused on combining excellent customer service strategy along with relationship banking to build a profitable competitive franchise. Customers were offered the convenience of choosing the type of service delivery, whether personal or remote. But as high end customers become more and more valuable to the bank, their service expectations also went up. Increased service demands included broad array of financial products and careful personal attention. Thus improving customer satisfaction was realized to be of paramount importance for a successful future financial performance.…

    • 1756 Words
    • 8 Pages
    Powerful Essays
    Read More
  • Powerful Essays

    Commercial Bank Industry Analysis
    • 7747 Words
    • 31 Pages

    Commercial Bank Industry Analysis

    JPMorgan Chase & Co. (JPMorgan Chase), Citigroup, Inc., Embassy Bancorp, Farmers Capital Bank Corporation is financial holding companies, providing various financial services worldwide. They provide a range of financial products and services to meet the depository and credit needs of individual consumers, small and medium sized businesses and professionals in market area. They also offer consumer and business, and mortgage banking products and services that include checking and savings accounts, mortgages, home equity and business loans, and investments.…

    • 7747 Words
    • 31 Pages
    Powerful Essays
    Read More
  • Powerful Essays

    Uk Banks Analysis
    • 6009 Words
    • 19 Pages

    Uk Banks Analysis

    The following begins with a very brief explanation of what you are about to read in the ‘foreword’. In succession to that we move on to the situational analysis which begins with a detailed look at the macro environment. A PEST analysis is conducted to determine the most noteworthy factors in the external environment of the debit and credit card market. We view at a minimum of two events in each one of the four PEST sectors. Following that we look at the micro-environment where we analyze who is being affected by the banks in the industry and mention their significance and how they fall in the equation. After reviewing this we conduct a competitive analysis to see the key strengths and weaknesses of the entire industry. Once we have completed that we are going to commence with a SWOT analysis for Barclaycard where we will be looking at the facts which were presented to us about Barclay a little bit more in detail and also the elements which are susceptible to change. Once we venture past that stage we will move on to the second part of the case.…

    • 6009 Words
    • 19 Pages
    Powerful Essays
    Read More
  • Good Essays

    Bank Performance
    • 895 Words
    • 4 Pages

    Bank Performance

    1. What are the objectives of bank performance analysis? • evaluate progress towards meeting the goals and objectives set out by management, and • compare a bank’s performance relative to other banks • highlight strengths and weaknesses • for management to take appropriate remedial action 2. What are the main external forces that have an impact on a bank’s performance? • Deregulation – unleashed competition on both sides of the balance sheet. • Innovation and Globalisation – expanded banks’ balance sheets in both domestic and foreign assets. – Profits as a percentage of assets have declined in most cases as balance sheets expanded and competition put pressure on profitability.…

    • 895 Words
    • 4 Pages
    Good Essays
    Read More
  • Powerful Essays

    Hsbs Banking Scam
    • 1028 Words
    • 5 Pages

    Hsbs Banking Scam

    This is one of the leading banks in Indian banking sector. It is having 1622 branches and it is having more than 9924 ATMs it spread across 1050 centers over the India. In the credit more than 75 percent loans for the home loans. The growth in total deposits around 33%.…

    • 1028 Words
    • 5 Pages
    Powerful Essays
    Read More
  • Good Essays

    bank risk analysis
    • 820 Words
    • 4 Pages

    bank risk analysis

    The Global Solution Tobacco project(GST) if success will boost the gross profit of the Global Solution by 176 percent in the nest fiscal year(2013) according to the research department of the global Solution. It will move our core business into another level in terms of profitability.…

    • 820 Words
    • 4 Pages
    Good Essays
    Read More
  • Satisfactory Essays

    Analysis of Different Banks Performance in Bangladesh by Using Published Financial Statements
    • 13971 Words
    • 56 Pages

    Analysis of Different Banks Performance in Bangladesh by Using Published Financial Statements

    Here is the report on the “Analysis of Basel Agreement and It’s influence on Bank’s of Bangladesh”. As you will find that I have conducted an in-depth investigation and analysis of different type’s ratio and tried to analyze certain circumstances and displayed our results of analysis and findings in this report.…

    • 13971 Words
    • 56 Pages
    Satisfactory Essays
    Read More
  • Good Essays

    City Bank vs Southeast Bank Financial Performance Analysis
    • 10951 Words
    • 44 Pages

    City Bank vs Southeast Bank Financial Performance Analysis

    This is a report of performance analysis of the company entitled City Bank. The ratio analysis will help to compare the financial performance of the company, with Southeast Bank Limited. The period of analysis is from 2004 to 2009. The performance of City Bank has been analyze in terms of…

    • 10951 Words
    • 44 Pages
    Good Essays
    Read More
  • Good Essays

    Evaluation of Bank
    • 1659 Words
    • 7 Pages

    Evaluation of Bank

    What is Bank:- A bank is a financial institution and a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers that have capital deficits to customers with capital surpluses.…

    • 1659 Words
    • 7 Pages
    Good Essays
    Read More
  • Satisfactory Essays

    Comparison Between Bank
    • 320 Words
    • 2 Pages

    Comparison Between Bank

    The CAMEL Rating is an international bank-rating system with which bank supervisory authorities rate institutions according to the following factors that cover financial, operational and managerial performance, represented by the acronym "CAMEL": C - Capital adequacy A - Asset quality M - Management E - Earnings L - Liquidity The ratings published refer to the overall rating of a bank – i.e., the score ranging between 1 and 5 based on a weighted numerical computation using each of the five core components.…

    • 320 Words
    • 2 Pages
    Satisfactory Essays
    Read More
  • Better Essays

    Literature Review of Bank Efficiency
    • 424 Words
    • 2 Pages

    Literature Review of Bank Efficiency

    Measuring the efficiency and productivity of banking firms has been playing a predominant role in helping managers or regulators to achieve a better understanding of the success or failure of policy strategies and make better decisions. Furthermore, the evaluation results of efficiency are also of major importance to stock owners, depositors and investors.…

    • 424 Words
    • 2 Pages
    Better Essays
    Read More
  • Powerful Essays

    Public Bank Analysis
    • 6801 Words
    • 28 Pages

    Public Bank Analysis

    Padmalatha and Paul (2011) stated that a bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly or through capital markets. A bank connects customers with capital deficits to customers with capital surpluses. Banking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and location (Cotter, 2003). In addition, Fabozzi and Drake (2009) declared that a commercial bank is one of the types of bank in Malaysia and also a type of financial intermediary and a type of bank. Commercial banking is also known as business banking. It is a bank that provides checking accounts, savings accounts, and money market accounts and that accepts time deposits.…

    • 6801 Words
    • 28 Pages
    Powerful Essays
    Read More
  • Satisfactory Essays

    Business Research Method - Banking Questionaire
    • 707 Words
    • 3 Pages

    Business Research Method - Banking Questionaire

    AN ANALYSIS OF HOW BUSINESS CAN USE INFORMATION TECHNOLOGY (IT) TO GAIN COMPETITIVE ADVANTAGE: THE CASE OF COMMERCIAL BANKS IN ZIMBABWE.…

    • 707 Words
    • 3 Pages
    Satisfactory Essays
    Read More
  • Satisfactory Essays

    Service Quality of Bank
    • 434 Words
    • 2 Pages

    Service Quality of Bank

    It was really great to have banking service especially internet banking. It has a lot of advantage for me, for instance helping me out to pay my tuition fee, pay my bill, and buy a prepaid reload. Transfer money also getting easy as my parents from Indonesia send me money just thru ATM to ATM. Despite all of the good thing of the banking service. I’ve experience the worse one.…

    • 434 Words
    • 2 Pages
    Satisfactory Essays
    Read More

Related Topics