Assignment on

ImpactofExpectedInflation.......
CourseName:FinancialInstitutionsandMarkets(FIN6301)

SubmittedTo:
MuktaRaniSarker
AssistantProfessor
DepartmentofFinance
JagannathUniversity

SubmittedBy:
Mezbah Uddin
ROLLNO:160203533
SEC:A(7th)
DepartmentofFinance
JagannathUniversity

DateofSubmission:21THOctober,2016

1.BalanceSheetofUttaraBankLimited
Particulars
PROPERTYANDASSETS
Cash
CashinHand(includingforeign
currencies)
BalancewithBangladeshBankand
itsagentBank(s)(includingforeign
currencies)
BalancewithotherBanksand
financialinstitutions:
InBangladesh
OutsideBangladesh
Moneyatcallandshortnotice
Investment:
Government
Others
LoansandAdvances:
Loans,cashcredit,overdraftetc.
Billspurchasedanddiscount
Fixedassetsincludingland,
buildingfurnitureandfixtures
OtherAsstes
NonBankingAssets
TotalAssets
LIABILITIESANDCAPITAL
BorrowingsfromotherBanks,
FinancialInstitutionsandAgents
Depositsandotheraccounts:
Currentandotheraccountsetc.
Billspayable
Savingbankdeposits
Fixeddeposits
Bearercertificateofdeposit
Otherdeposits
Otherliabilities
TotalLiabilities
Capital/ShareHolders'Equity
Paidupcapital
Issuanceofbonusshares
Statutoryreserve
Otherreserves
Surplusinprofitandlossaccount
Totalequityattributableto
equityholdersofthecompany
TotalLiabilitiesandShare
Holders'Equity

Year
(AmountinTaka)
2014

2013

2012

6,770,218,585

6,636,972,108

5,348,163,400

1,550,160,241

1,294,274,237

1,341,438,945

5,220,058,344

5,342,697,871

4,006,724,455

5,366,014,413
4,976,518,084
389,496,329

429,875,944
33,337,210
396,538,734

22,894,749,808
22,735,889,054
158,860,754
54,010,287,476
49,384,251,667
4,626,035,809
2,762,228,892

18,591,127,858
18,429,298,854
161,829,004
48,672,687,127
44,372,359,512
4,300,327,615
2,798,141,777

285,958,697
2,856,213
283,102,484
329,700,000
22,502,481,805
18,429,298,854
158,412,304
39,451,355,571
36,289,189,482
3,162,166,089
1,088,418,582

5,520,848,031
93,580,592
97,417,927,797

4,228,815,180
94,202,809
81,451,822,803

2,840,664,075
99,256,359
81,451,822,803

7,229,331,894

206,875,583

1,176,417,193

72,152,375,394
24,704,157,771
1,842,478,227
24,033,793,494
19,969,079,718

65,868,030,947
23,125,023,246
1,692,242,882
23,794,594,646
15,130,072,230

59,387,263,182
20,386,884,603
1,752,780,457
21,389,308,459
14,037,133,261

1,602,866,184
8,402,189,838
87,783,897,126

2,126,097,243
6,766,076,457
72,840,982,987

1,821,156,402
5,175,368,351
65,739,048,726

2,875,173,120

2,395,977,600

1597318400

2,980,837,039
2,735,908,947
1,042,111,565
9,634,030,671

2,370,837,039
2,853,862,188
990,162,989
8,610,839,816

1800837039
2001852861
806,941,463
6,206,949,763

97,417,927,797

81,451,822,803

71,945,998,489

2.RatioAnalysis
Abanksbalancesheetandprofitandlossaccountarevaluableinformationsourcesforidentifyingrisk
taking and assessing risk management effectiveness. Although the taka amounts found on these
statementsprovidevaluableinsightsintotheperformanceandconditionofabank,financialanalysts,
bankersandbanksupervisorstypicallyusedatafromthemtodevelopfinancialratiostoevaluatebank
performance.Thisisdonetoprovideperspectiveandfacilitatemakingcomparisons.Thereareliterally
hundredsusefulfinancialratioswecanusetoevaluatebankperformance.However,inmostinstances,
directorsonlyneedafewbasicratiostoidentifyfundamentalperformanceissuesandhelpthemformulate
questionsregardinganyunderlyingproblemsandaskingmanagementsplansforcorrectingthem.This
sectionwilldiscusssomeselectedratiosfromvariousperspectives.FromthisvariousperspectiveRatio
Analysiscanbedividingintofivecategories.Thesefivecategoriesareasfollows:
LiquidityRatios:
AdvancestoDeposit
LiquidAssettoLiability
AdvancestoLiability

LeverageRatios:
DebttoAssets
DebttoEquity
EquityMultiplier

ReturnonAssets
ReturnonEquity
ReturnonDeposit
NetInterestMargin

EfficiencyRatios:
OperatingExpensetoAssets
OperatingExpensestoNetInterest
Income
OperatingExpensestoOperating
Income
MarketValueRatios:
EarningperShare
PriceEarningRatio
ProfitabilityRatios:
NoninterestIncometoAssets
NoninterestIncometoAssets
AssetsUtilizationRatio

Table:Selectedfinancialratioswiththeirdefinitions
Symbol
ATD
LATL
ATL
OETA

AUR

Ratios
AdvancestoDeposit
LiquidAssettoLiability
AdvancestoLiability
OperatingExpenseto
Assets
OperatingExpensesto
NetInterestIncome
OperatingExpensesto
OperatingIncome
DebttoAssets
DebttoEquity
EquityMultiplier
ReturnonAssets
ReturnonEquity
ReturnonDeposit
NetInterestMargin
NoninterestIncometo
Assets
NoninterestIncometo
OperatingIncome
AssetsUtilizationRatio

EPS

EarningperShare

P/E

PriceEarningRatio

MVPS

MarketValueperShare

OETNII
OETOI
DTA
DTE
EM
ROA
ROE
ROD
NIM
NITA
NITOI

Numerator
TotalAdvances
LiquidAssets
TotalAdvances
TotalOperating
Expense
TotalOperating
Expense
TotalOperating
Expense
TotalLiabilities
TotalLiabilities
TotalAssets
NetProfit
NetProfit
NetProfit
NetInterestIncome
NoninterestIncome
NoninterestIncome
TotalOperating
Income
NetProfit
MarketPriceper
Share
MarketValueper
Share

Denominator
TotalDeposits
TotalLiabilities
TotalLiabilities
TotalAssets

Indicator
Liquidity
Liquidity
Liquidity
Efficiency

NetInterestIncome

Efficiency

TotalOperating
Income
TotalAssets
ShareHoldersEquity
ShareHoldersEquity
TotalAssets
ShareHoldersEquity
TotalDeposits
TotalAssets
TotalAssets

Efficiency
Leverage
Leverage
Leverage
Profitability
Profitability
Profitability
Profitability
Profitability

TotalOperating
Income
TotalAssets

Profitability

NumberofShares
Outstanding
EarningperShare

MarketValue

TotalNumberof
Share

MarketValue

Profitability

MarketValue

4.3.1LiquidityMeasurement
Liquidityratiosattempttomeasureacompany'sabilitytopayoffitsshorttermdebtobligations.
Thisisdonebycomparingacompany'smostliquidassets(or,thosethatcanbeeasilyconvertedto
cash),itsshorttermliabilities.
Ingeneral,thegreaterthecoverageofliquidassetstoshorttermliabilitiesthebetterasitisaclear
signalthatacompanycanpayitsdebtsthatarecomingdueinthenearfutureandstillfundits
ongoingoperations.Ontheotherhand,acompanywithalowcoveragerateshouldraisearedflag
for investors as it may be a sign that the company will have difficulty meeting running its
operations,aswellasmeetingitsobligations.

4.3.1.1AdvancestoDeposits
AdvancetoDeposit(ATD)ratioisthemostcommonlyusedliquidityratiosofabank.Alowratio
ofATDindicatesexcessliquidity,andpotentiallylowprofits,comparedtootherbanks.Ahigh
ATDratiopresentstheriskthatsomeloansmayhavetobesoldatalosstomeetdepositors
claims.TheATDratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

ATD

66.43%

73.89%

74.86%

ThebanksATDratioincreasesfromFY2012toFY2013andinFY2012ATDratioslightlyfall
afterthenitincreasestillFY2014.ThehighestATDratiowasinFY2014whichsurelyhelpsto
higherrisksofloanlossesbutitalsoincreasesprofitsinthatperiod.

4.3.1.2LiquidAssettoLiability
TheLiquidAssetstoLiability(LATL)ratiousedinthisstudyismeasuredbytakingthestructural
allocationofliquidassets.TheLATLratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

LATL

11.81%

12.96%

17.22%

TheLATLratiosofUBLslightlydecreasetoFY2012butafterthenitincreasescontinuouslytill
FY2014.Thefocusofthebankistomaintainsufficientliquidityratherthanmakinghigherprofits
withsubstantialrisks.

4.3.1.3AdvancestoLiability
AdvancestoLiability(ATL)ratioisanothertoolformeasuringtheliquidityofabank.TheATL
ratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

ATL

60.01%

66.82%

61.53%

TheATLratiosofUBLratioincreasesfromFY2010toFY2011andinFY2012ATL ratio
slightlyfallafterthenitincreasesinFY2014andthenitdecreasetillFY2014.ThehighestATL
ratioswasinFY2011(68.83%)andlowestATLratioswasinFY2010(56.50%).Onanaverage,
thebankmaintained62.54%ATLratiowhichismoderateintermsoflesserriskandgreater
profits.

4.3.2EfficiencyMeasurement
Theefficiencyratio,aratiothattypicallyappliestobanks,insimpletermsisdefinedasexpenses
asapercentageofrevenue(expenses/revenue),withafewvariations.Alowerpercentageis
bettersincethatmeansexpensesarelowandearningsarehigh.Itrelatestooperatingleverage,
whichmeasurestheratiobetweenfixedcostsandvariablecosts.

39

4.3.2.1OperatingExpensestoOperatingIncome
TheOperatingExpensestoOperatingIncome(OETOI)ratioisoneofthemostimportanttoolsfor
understanding the requirement of operating expense to generate operating income and it only
considersoperatingactivitiesotherthannonoperatingactivities.TheOETOIratiosofUttaraBank
Limitedaregivenbellow:
Year

2012

2013

2014

OETOI

45.42%

47.20%

51.68%

TheOETOIratiosofUBLdecreasesfromFY2010toFY2013(53.36%to47.20%)butitslightly
increaseinFY2014(51.68%).Onanaverage,thebankmaintained48.32%OETOIratio.

4.3.2.2OperatingExpensestoAssets
OperatingExpensestoAssets(OETA)ratioisanotherimportanttoolformeasuringtheefficiency
ofabank.Thesmaller OETAratioisbetterforthebanks.TheOETAratiosofUttaraBank
Limitedaregivenbellow:
Year

2012

2013

2014

OETA

2.91%

3.37%

3.46%

TheOETAratioofUBLisincreasingfromFY2010(3.17%)toFY2011(3.09%)andthenit
slightlydecrease inFY2012 after that OETA ratio shows was increasing trendfrom FY2013
(3.37%)toFY2014(3.46%).ThelowestOETAratiowas2.91%inFY2012andthehighestOETA
ratiowas3.46%inFY2014.Onanaverage,thebankmaintained3.20%OETAratio.

4.3.2.3OperatingExpensestoNetInterestIncome
Operating Expenses to Net Interest Income (OETNII) ratio is another important tool for
measuringtheoperationalefficiency.Itisalsoagoodmeasureforunderstandingtherequirement
of operating expense to generate the net interest income. The OETNII ratios of Uttara Bank
Limitedaregivenbellow:

40

Year

2012

2013

2014

OETNII

122.93%

145.67%

137.20%

SinceFY2011operatingexpenselowerthannetinterestincomewhichindicatesanoutstanding
performanceontheotherhandineachFYoperatingexpenseexceedsnetinterestincome.Onan
average,thebankmaintained130.28%OETAratiowhichisbadsign.

4.3.3LeverageMeasurement
Leverage ratio used to calculate the financial leverage of a company to get an idea of the
company'smethodsoffinancingortomeasureitsabilitytomeetfinancialobligations.Thereare
severaldifferentratios,butthemainfactorslookedatincludedebt,equity,assetsandinterest
expenses.

4.3.3.1DebttoAssets
DebttoAssets(DTA)isimportanttoolsformeasuringtheleverageofabank.Thehigherportion
of DTA, the greater is the degree of risk because creditors must be satisfied before in the
bankruptcy.ThelowerratioofDTAprovidestomitigateofprotectionforthesupplierofdebt.The
DTAratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

DTA

91%

89%

90%

TheDTAratioofUBLisdecreasingatslowerratefromFY2010toFY2013afterthenitslightly
increaseinFY2014.ThehighestDTAratiowas95%inFY2010andlowestDTAratiowas89%
inFY2012.Onanaverage,thebankmaintained92%DTAratio.

41

4.3.3.2DebttoEquity
DebttoEquity(DTE)ratioisusedformeasuringthefinancialperformanceofabankbecause
usuallytheportionofdebtofabankissignificantlyhigherthantheportionofitsequities.The
DTEratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

DTE

1059%

846%

911%

TheDTEratioofUBLisdecreasingfromFY2010toFY2013afterthenitslightlyincreaseinFY
2014.ThehighestDTEratiowasinFY2010(2054%)andlowestDTEratiowasinFY2011
(846%).Onanaverage,thebankmaintained1271%DTEratio.

4.3.3.3EquityMultiplier
EquityMultiplier(EM)isveryimportantindicatorofevaluatingacompanysabilitytouseits
debtforfinancingitsassets.EMratioisalsoknownasthefinancialleverageratio.Ahigherequity
multiplierindicateshigherfinancialleverage,whichmeansthecompanyisrelyingmoreondebtto
financeitsassets.TheEMratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

EM

11.59

9.46

10.11

EMratioUBLiscontinuouslydecreasingatanaverage13.71peryearfromFY2010(21.54)to
FY2013(9.46)whichwasgoodsignforabankbutitslightlyincreasesinFY2014(2014).So,we
observethat,nowbankisrelyingmoreondebttofinanceitsassetswhichwasbadsignforabank.
ThehighestEMratiowas21.54inFY2010andthelowestEMratiowas9.46inFY2013.

4.3.4ProfitabilityMeasurement
Profitabilityratiosmeasureacompanysabilitytogenerateearningsrelativetosales,assetsand
equity.Theseratiosassesstheabilityofacompanytogenerateearnings,profitsandcashflows
relativetorelativetosomemetric,oftentheamountofmoneyinvested.Theyhighlighthow

42

effectivelytheprofitabilityofacompanyisbeingmanaged.Formostoftheseratios,havinga
highervaluerelativetoacompetitor'sratioorthesameratiofromapreviousperiodisindicative
thatthecompanyisdoingwell.

4.3.4.1ReturnonAssets
ReturnonAssets(ROA)ratioisveryimportanttoolsformeasuringtheprofitabilityofabank.The
greaterROAratioisbetterforthebank.TheROAratiosofUttaraBankLimitedaregivenbellow:

Year

2012

2013

2014

ROA

1.54%

1.91%

1.69%

TheROAratioofUBLwasincreasingfromFY2010(0.77%)toFY2011(1.95%)andthenit
slightlydecreaseinFY2012(1.54%)afterthenROAratiowasincreasinginFY2013.TheROA
ratioofUBLisdecreasingfromFY2013(1.91%)toFY2014(1.69%)whichisbadsignforabank.
So,wecanobservethatROAratioswerefluctuatingatanaveragerateof1.57%peryear.The
highestROAratiowas1.95%inFY2012andlowestROAratiowas0.77%inFY2010.Onan
average,thebankmaintained1.57%ROAratio.

4.3.4.2ReturnonEquity
ReturnonEquity(ROE)ratioisalsoveryimportanttoolsformeasuringtheprofitabilityofabank.
ThegreaterROEratioisbetterforthebank.TheROEratiosofUttaraBankLimitedaregiven
bellow:
Year

2012

2013

2014

ROE

17.80%

18.02%

17.13%

TheROEratioofUBLwasdramaticallyincreasesfromFY2010(16.69%)toFY2011(30.86%)
andthenitsignificantlydecreaseinFY2012(17.80%)afterthenROEratiowasincreasingata
slowerrateinFY2013(18.20%).TheROEratioofUBLisdecreasingfromFY2013(18.20%)to
FY2014(17.13%)whichisbadsignforabank.So,wecanobservethatROEratioswere

43

fluctuatingatanaveragerateof20.10%peryear.ThehighestROEratiowas30.86%inFY2011
andlowestROEratiowas16.69%inFY2010

4.3.4.3ReturnonDeposit
The most financial analysts, Return on Deposit (ROD) is one of the best measures of bank
profitabilityperformance.Thisratioreflectsthebankmanagementabilitytoutilizethecustomers
depositsinordertogenerateprofit.TheRODratiosofUttaraBankLimitedaregivenbellow:

Year

2012

2013

2014

ROD

1.86%

2.36%

2.29%

TheRODratioofUBLwasdramaticallyincreasesfromFY2010(0.94%)toFY2011(2.24%)and
thenitslightlydecreaseinFY2012afterthatRODratioshowswasincreasingtrendtillFY2013
(2.36%).TheRODratioofUBLwasdecreasingfromFY2013(2.36%)toFY2014(2.29%)which
isbadsignforabank.ThehighestRODratiowas2.36%inFY2013andthelowestRODratio
was0.94%inFY2010.Onanaverage,thebankmaintained1.94%RODratio.

4.3.4.4NetInterestMargin
NetInterestMargin(NIM)isveryimportanttoolsformeasuringbanksprofitabilityperformance
becausesmallchangesinabankslendingmargincantranslateintolargebottomlinechanges.
Thehighertheratiothecheaperthefundingorhigherthemarginthebankisobtaining.Abanks
netinterestmarginisakeyperformancemeasurethatdrivesROA.TheNIMratiosofUttaraBank
Limitedaregivenbellow:
Year

2012

2013

2014

NIM

2.37%

2.31%

2.52%

TheNIMratioofUBLwasincreasingfromFY2010(2.12%)toFY2011(3.22%)andthenit
showsdecreasingtrendfromFY2011(3.22%)toFY2013(2.31%)afterthenitslightlyincreases
tillFY2014(2.52%)whichwasgoodsignforabank.ThehighestNIMratiowas3.22%in

44

FY2011andthelowestNIMratiowas2.12%inFY2010.Onanaverage,thebankmaintained
2.51%NIMratio.

4.3.4.5NoninterestIncometoAssets
NoninterestIncometoAssets(NITA)isanindicatoroftheoperationalperformance.Itindicates
theproportionoffeesandotherincomeinrespectoftotalassetsofbanks.HighestNITAratiois
betterforabank.TheNITAratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

NITA

4.04%

4.82%

4.17%

TheNITAratioofUBLwasdecreasingfromFY2010(3.83%)toFY2011(3.81%)andthenit
continuouslyincreasingatanaveragerateof4.13%peryearbutitslightlydecreasesinFY2014
(4.17%).ThehighestNITAratiowas4.82%inFY2013andthelowestNITAratiowas3.81%in
FY2011.

4.3.4.6NoninterestIncometoOperatingIncome
Noninterest Income to Operating Income (NITOI) is another indicator of the operational
performance.Itindicatestowhatextentfeesandotherincomerepresentapercentageofoperating
incomeofbanks.TheNITOIratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

NITOI

63.05%

67.60%

62.33%

TheNITOIratioofUBLwasdecreasingfromFY2010(64.34%)toFY2011(54.20%)andthenit
continuouslyincreasingatanaveragerateof62.30%peryearbutitslightlydecreasesinFY2014
(62.33%). The highest NITOI ratio was 67.60% in FY2013 and the lowest NITOI ratio was
54.20%inFY2011.

45

4.3.4.7AssetsUtilizationRatio
AssetsUtilizationRatio(AUR)indicatestheproportionoftotaloperatingincometototalassets.
ThehigherAURratioisbetterforabank.TheAURratiosofUttaraBankLimitedaregiven
bellow:
Year

2012

2013

2014

AUR

6.40%

7.13%

6.69%

AURofUttaraBankLimitedisfluctuatingatanaveragerateof6.64%peryear.ThehighestAUR
ratiowas7.13%inFY2013andthelowestAURratiowas5.95%inFY2010.

4.3.5MarketValueMeasurement
Marketvalueratiosevaluatetheeconomicstatusofacompanyinthewidermarketplace.Market
valueratiosincludetheearningspershare,priceearningsratioandmarketvaluepershare.Market
valueratiosgivemanagementanideaofwhatthefirm'sinvestorsthinkofthefirm'sperformance
andfutureprospects.

4.3.5.1PriceEarningRatio
ThePriceEarning(P/E)Ratioofastockisameasureofthepricepaidforasharerelativetothe
annualEarningsperShare.Thepricetoearningsratioiswidelyusedvaluationmultipleusedfor
measuringtherelativevaluationofcompanies.AhigherP/Eratiomeansthatinvestorsarepaying
moreforeachunitofnetincome,sothestockismoreexpensivecomparedtoonewithalowerP/E
ratio.TheP/EratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

P/E

2.10

30.76

13.55

P/E ratio of UBL was continuously decreasing at an average 10.70 (times) from FY2010 to
FY2012andthenitdramaticallyincreaseinFY2013(30.76times)afterthatitsharplydeceasesin
FY2014(13.55times).ThehighestP/Eratiowas30.76timesinFY2013andthelowestP/Eratio
was2.10timesinFY2012.

46

4.3.5.2EarningperShare
Earningspershare(EPS)arethecompany'sprofitallocatedtoeachoutstandingshareofcommon
stock.EPSservesasanindicatorofacompany'svalueforamarket.TheEPSratiosofUttaraBank
Limitedaregivenbellow:
Year

2012

2013

2014

EPS

69.19

5.40

5.74

EPSratioofUBLwasincreasingfromFY2010(102.56Tk.)toFY2011(142.56Tk.)andthenit
was decreasing till FY2013 after then EPS ratio slightly increase in FY2014 (5.74 Tk.). The
highestEPSratiowas142.56takapershreinFY2011andthelowestEPSratiowas5.40takaper
shareinFY2012.Onanaverage,thebankmaintainedEPSratioof65.09taka.

4.3.5.3MarketValueperShare
MarketValueperShare(MVPS)isdefinedasthecompany'sassessedmarketvaluedividedbythe
totalnumberofsharesheldbystockownersinthecompany.Themarketvaluepershareisa
financialmetricthatinvestorsusetodeterminewhetherornottopurchaseastock.TheMVPS
ratiosofUttaraBankLimitedaregivenbellow:
Year

2012

2013

2014

MVPS

145.03

166.08

77.80

MVPSratioofUBLcontinuouslydecreasestillFY2012andthenitslightlyincreasesinFY2013
(166.08Tk.)afterthenMVPSratiodramaticallydecreasesinFY2014(77.80Tk.).Thehighest
MVPSratiowas485.48takapershareinFY2010andthelowestMVPSratiowas77.80takaper
shareinFY2014.Onanaverage,thebankmaintainedMVPSratioof242.75takapershare.

47

Reference:
www.uttarabankbd.com
www.bangladeshbank.org

AppendixTable1:3YearataGlance
(FigureinMillionwhereapplicable)
Sl.No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

21
22
23
24
25

Particulars
IncomeStatement
GrossIncome
GrossExpenditure
GrossProfit
PreTaxProfit
PostTaxProfit
BalanceSheet
AuthorizedCapital
Paidupcapital
StatutoryandOther
Reserves
Shareholders
Equity
Deposit
Advances(Gross)
Investment
GuaranteeBusiness
ExportBusiness
ImportBusiness
ForeignRemittance
FixedAssets
TotalAssets
ClassifiedLoans
andAdvances
TotalOffBalance
SheetExposures
BISCapital
Measures

2014

2013

2012

10,668.2
7,517.9
3,150.3
3,000.3
1,650.3

8,768.2
5,701.3
3,066.9
2,801.9
1,551.9

7,654.4
5,140.5
2,513.9
2,188.9
1,105.2

5,000.0
2,875.2
6,758.8

5,000.0
2,396.0
6,214.8

3,200.0
1,597.3
4,609.6

9,634.0

8,610.8

6,206.9

72,152.4
54,010.3
22,894.7
1,806.6
15,588.5
33,037.6
37,848.7
2,762.2
97,417.9
2,821.9

65,868.0
48,672.7
18,591.1
1,759.1
12,986.7
29,614.5
43,200.7
2,798.1
81,451.8
2,678.7

59,387.3
39,451.4
22,502.5
1,633.5
15,096.9
29,129.3
44,635.3
1,088.4
71,946.0
2,842.0

9,860.0

9,377.6

8,560.5

RequiredCapital
ActualCapital
CreditQuality
RequiredProvision
againstloans&
advances
Provision
Maintained
RequiredProvision

6,865.6
9,117.4

6,287.4
7,912.7

3,688.2
5,829.0

1,062.4

923.9

889.7

1,092.0

952.0

910.1

98.6

93.8

85.6

againstoffBalance
sheetexposures

Sl.No.
26
27
28
29

30
31

32
33
34

35
36
37
38

Particulars
ShareInformation
EarningperShare
(EPS)
MarketvaluePer
Share
PriceEarningRatio
(Time)
BookValuePer
Share(NAV)
Operating
PerformanceRatio
AdvanceDeposit
Ratio
Total
Advance/Classified
Advance%
Total
Advance/Classified
Advance(net)%
Incomefromequity
Incomefrom
Assets
OtherInformation
Numberof
shareholders
Numberof
Branches
Numberof
Employees
HumanResources
Development

2014

2013

2012

5.74

5.40

69.19

77.80

166.08

145.03

13.55

30.76

2.10

33.51

29.95

25.91

0.75:1

0.74:1

0.66:1

5.22%

5.50%

7.20%

3.20%

3.54%

4.90%

17.13%
1.69%

18.02%
1.91%

17.80%
1.54%

74,936

65,037

42,570

211

211

211

3,780

3,262

3,291

1,748

1,590

1,239

AppendixTable2
Particulars
Cash
Investment
Loans&Advances
FixedAssets
TotalAssets
TotalLiabilities
TotalShare
HoldersEquity
TotalLiabilities&
ShareHolders
Equity
Netinterest
income
Totaloperating
income
Totaloperating
expenses
Profitbefore
provision
Profitbeforetax
Profitafter
taxation

Year(TakainMillion)
2012
2013

2014

5,348.16
22,502.48
39,451.36
1,088.42
58,444.33
65,739.05
6,206.95

6,636.97
18,591.13
48,672.69
2,798.14
81,451.82
72,840.98
8,610.84

6,770.22
22,894.75
54,010.29
2,762.23
97,417.93
87,783.90
9,634.03

71,946.00

81,541.82

97,417.93

1,702.01

1,881.95

2,456.09

4,606.11

5,808.3

6,520.09

2,092.24

2,741.42

3,369.75

2,513.88

3,066.88

3,150.34

2,188.88
1,105.23

2,801.88
1,551.88

3,000.34
1,650.34