Financial Research of Dhaka Bank  Southeast Traditional bank Essay

Economical Analysis

Of

Dhaka Traditional bank & Southeast bank

Introduction

The banking sector in Bangladesh comprises of four categories of timetabled banks. They are, nationalized business banks (NCBs), government owned development financing institutions (DFIs), private commercial banks (PCBs) and overseas commercial banking companies (FCBs). Since December 2004, total number of banks within Bangladesh continued to be unchanged at 49. These banks possess a total range of 6, 303 branches which include 10 international branches. Structure of the bank sector with breakdown by simply type of banking institutions.

In 2004, the nationalized commercial banks (NCBs) kept 39. six percent from the total market assets against 41. 7 percent in 2003. Seemingly, NCBs' dominance, superiority in this area is definitely showing a declining craze, while PCBs' share increased to 43. 5percent in 2004 against 40. almost 8 percent in 2003. The foreign commercial financial institutions held six. 2 percent of the market assets in 2004, displaying a little decrease by 0. 1 percentage point in the previous season. There has been a decline inside the operation from the DFIs with their shares of assets of only 9. 7percent in 2004, against 10. two percent in 2003. And so from this figures, we observed that our industrial banks performing very very good business in Bangladesh and perhaps they are playing a vital role in the world.

Target

The wide-ranging objective in the study is to develop audio practical and theoretical understanding of the analysis of the efficiency of Dhaka Bank & Southeast Traditional bank from 2006-2009 and whether or not they are enhancing their performance or not really. The specific goals are: # Understanding the gross annual reports of Dhaka Bank & Southeast Bank. # Evaluate the functionality analysis of Dhaka Financial institution & Southeast Bank.  

Profitability Proportions

Profitability Ratio:

20062007200820092006200720082009

Return upon Asset1. 21%1. 23%1. 28%1. 23%1. 76%1. 90%2. 70%1. 66% Go back on Equity22. 80%22. 50%21%19. 30%18%19. 9%29. 3%16. 51% Net Curiosity Margin1. 99%2. 8%2. 8%2. 7%1. 9%2. 4%1. 6%0. 9% Net Non- Curiosity Margin0. 48%0. 74%0. 81%0. 97%1. 8%2. 1%3. 1%2. 1% Net Operating Margin2. 5%3. 5%3. 56%3. 61%3. 76%4. 53%5. 68%2. 67% Earnings Per Share45. 1736. 3943. 3645. 0931. 1142. 8825. 9254. 64 Generating Spread2%3%3%3%2%2%1%1%

Net Profit Margin10. 64%9. 7%9. 2%11%13. 4%14. 1%8. 7%13. 6% Tax Management Efficiency61. 07%61. 1%45%44. 9%55. 5%47. 1%41. 2%54. 2% Charge Control Efficiency17. 42%21. 2%20. 5%22. 1%24. 2%30%27. 6%33. 7% Asset Management Efficiency11. 34%12. 6%12. 8%12. 4%12. 34%13. 47%12. 63%12. 16% Funds Administration Efficiency18. 8718. 3817. 7915. 6610. 8410. 4811. 039. 95 Operating Efficiency Ratio78. 1%72. 1%72. 2%70. 9%90. 8%66. 4%70. 6%66. 3%

 

Return on Property (ROA):

Come back on possessions is mainly an sign of managerial efficiency; what this means is how competent management has been in converting property into net earnings.

ROA is usually calculated making use of the following formulae:

•ROA sama dengan Net Income/ Total Possessions

or

•ROA= Net Interest Margin & Net noninterest margin – Special transactions affecting its net income

Success Ratio:

20062007200820092006200720082009

Return on Asset1. 21%1. 23%1. 28%1. 23%1. 76%1. 90%2. 70%1. 66%

Comments:

Dhaka bank surely could earn 1 ) 21%, 1 ) 23%, 1 . 28% & 1 . 23% of their assets throughout the years of 2006, 2007, 08 & 2009 respectively. On the other hand Southeast lender earned 1 ) 76%, 1 . 90%, 2 . 70% & 1 . 66% of net gain by using it is assets during the years of 06\, 2007, 08 & 2009 respectively.

Come back on Fairness (ROE):

Come back on Equity measures the speed of return flowing to shareholders. That approximates the net benefit that the shareholders have obtained from investing their capital in the economical firm i. e. prices their cash at risk inside the hope of getting a suitable earnings. ROE is usually calculated using the following formulae:

•ROE= Net Income/ Total Equity Capital

or

•ROE= ROA X (Total...

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