ANALYSIS OF NON PERFORMING ASSETS IN BANKS

Public Bank will always keep the bank services provided by them up to date. Let’s say some other banks are having some sort of saving programs which of course will benefits their customers, Public Bank will try to think of an even better saving programs to make sure that they are always providing the best to their customers. For example, during a certain seasons like Chinese New Year, there will be some new saving programs for the customers or discount for loans to buy houses, cars or any other allowed properties. This will then causes the people to choose Public Bank first when it comes to saving and loaning as they are providing all these programs that other banks do not or a better programs and services than the other banks. Hence, Public Bank will always think of new ideas on how to improve their services that will be provided to their customers in the very effective way and also try not to be the same with the services of other banks normally provided so that it becomes a unique and a win for them. People that are under certain ages will also have a higher chance to get a loan to buy properties as well. If necessary, they Public Bank will also update their policies to make sure that it are easy to follow and understand when it comes to providing the bank services to their

• In 1993, the bank was together advanced by the Administrator of the Unit Trust of India (UTI), Life Insurance Corporation of India (LIC), General Insurance Corporation Limited (GIC), and its backups which are- National Insurance Company Limited, The New India Assurance Company, The Oriental Insurance Corporation and United India Insurance Company. The Bank was situated up in 1993 with a value of Rs. 115 crore, with UTI contributing Rs. 100 crore, LIC- Rs. 7.5 crore and GIC and its auxiliaries contributing Rs. 1.5 crore each.

In addition to that, the company is able to generate Net Worth of $ 454,000 which is better than the first option of considering loan amount of $ 750,000 from Northrup National Bank.

The risk index of the bank indicates that there is probability of 0.001% that the Company will below capital, which is higher than the peer group’s indicator of 0.0005%. BB&T’s ROA has been larger but also more volatile compared to the peer group.

“National bank means a national banking association or a Federal branch or agency of a foreign bank.” 12

Regarding to ROE, whereas CAB and NAB had instability index, Westpac continued to retain outstanding development of ROE ratios from 15.2 to 16.2 percent. In order words, high ratio reflects how success of Westpac in term of making profit from shareholders investment. Secondly, there was a minimally increase to just 0.03 percent in the number of Westpac’s ROA with the exception in 2014, however, when CBA continued to hold the steadily level roundly 1.1 percent in that three – year period. In this case, although return on asset of Westpac have an improvement, CBA still have a better result on the success of generating income from investment. Turning to net interest margin ratio, the table shows that the number of all banks went down during the

Nbfcs are doing capacities likened to that of banks, however there are a couple of contrasts:

The non-performing loans ratio (NPL) of SDB was firstly examined, with reference to exhibit 10, to determine the overall asset quality. SDB’s NPL is 11.6% which is higher than other banks, excluding BoCom at 16.7%. This NPL value is also greater than the industrial average of 7.3% by 1.59 times. This establishes that the assets owned by SDB has generally a lower quality compared to its industrial peers. This NPL ratio reported is not completely accurate as the NPL is calculated from book values, which are completely at the disposition of the bank. It is highly likely that the current NPL is lower than the real NPL, as the bank has an incentive to manipulate the data so that it would attract investors, and boost current stakeholder’s confidence.

Money has time value in the financial investment market. The time value of money affects to a greater extent to many investors. So investor has to take account of time value for money. When investment is made in securities, it is found that volatility is more. Every person wants to save money and the money saved by those persons they do not keep it as idle and invest that money to make appreciation money. They are number of investment alternatives. The choice is up to investor who wants to invest according to their interest and it depends upon the rate of return or the amount of return and risk expect from the individual. Some individual want high return and ready to take high risk. Investors who want to take high risk will go for equity they earn more returns. If the individual does not want to take more risk they will prefer for depositing in banks. Investment in mutual fund, debentures, bonds, preference share, Govt. Securities, treasury bills etc. Where the individual get a fixed amount and who do not take risk are called as a risk averse. Thus this study is mainly concentrated to find out the risk and return analysis that has been associated with the banking sector of the BSE Bankex and also to know the relationship between banks return and market returns. The chosen topic is the banking sector from the emerging sector now. The training has expose me to many facts of an organization and also helps me to gain practical knowledge and known Risk &

As previously said in the introduction, this paper intends to survey the latest performance of banks belong to the financial industry. The samples are selected by the nation’s economic place in the world, this method can be better explained by the formula below, the GDP figure is from the World Bank’s 2015 GDP ranking statistics.

Barclays is considered as one of the leading multinational firm originated from United Kingdom and has operations in several different countries whereas National bank of Egypt is one of the oldest commercial banks origins from Egypt. It is considered as a universal bank with different sub categories. NBE has 338 branches within the country. The comparison of the SWOT analysis and business positions would analyze the sights and core values of both the banks. However, there might be the case that one of the two banks has more advantages and differentiation strategies over the other. The analysis would critically examine and portray the image that is being perceived by its consumers. The suggestion would be recommended in order to achieve a higher position and level in the banking industry. The critical understanding and reviewing of both the well-known banks would provide the understanding and the company profile would be compared, the operations and profile analysis would show the results and recommendations.

Table 4.3 shows the trend of non-performing loans ratio by the bank in general for

Comparative Study on Efficiency of Public and Private Sector banks in Peshawar: A Case Study of ABL and NBP

I “ARUSHI BHUTANI” hereby declare that the work which is being presented in this report entitled “Ratio Analysis and Comparative Study of Financials of IOCL with its Competitors” is an authentic record of my own work carried out under the supervision of Ms. “JAYA PANDEY”.

The reason Janata Bank is in business is to build a profitable and socially responsible financial institution focused on markets and business growth and stakeholder build a “just, enlightened, healthy, democratic and poverty free Bangladesh” Which mean to make communities and economy of the country stronger and to help people achieve their dreams. They fulfill the purpose by reaching for high standards in everything we do. For their customers, their shareholders, their associates and their communities upon, which the future prosperity of their company rests.