Case Study Of The Financial Performance Of National Bank And Allied Bank

1. Key success factors & company performance…………………………………………………..3 2. Bank perspective regarding the performance…………………………………………………..7 3. Bank financing perspective at the end of 1998……………………………………………….10 4. Management perspective regarding the bank financing………………………………….13 5. Exhibit 1 – Annual Income Statements (1994-1997)………………………………………17 6. Exhibit 2 – Annual Balance Sheets (1994-1997)……………………………………………..18 7. Exhibit 3 – Quarterly Income Statements 1997……………………………………………….19 8. Exhibit 4 – Quarterly Balance Sheets 1997………………………………………………………20 9. Exhibit 5 – Forecasting………………………………………………………………………………………21 10. Exhibit 6 – Annual Ratios………………………………………………………………………………….22 11. Exhibit 7 –

The effective control of cost of funds and operating and administrative expenses has resulted in continuously growing trend in profit margin. Both the slightly increasing in total assets turnover trend and highly growing trend in profit margin trend has resulted in continuously improving ROA (Return on Assets). The broadening of equity base and high retention ratio has resulted in growing trend in owner equity. The bank average collection period has dropped which shows the efficiency of the bank.

The United States Congress chartered the Second National Bank in 1816 in order to control unregulated currency at the state-level banks. After several states questioned the constitutionality of the bank, Maryland imposed a tax on all banks that were not chartered by the state. By 1818, Maryland approved legislation of taxing the Second National Bank of the United States that was chartered by Congress, which is part of the Federal Government.

Bank of America believes successful global leadership development is a mix of three essentials: global consistencies, cultural distinctive and individual ownership. Aligning, teaching and developing key leaders from across the enterprise are main facts of their consistent approach. According tone of the articles of Carter (founder and CEO of Best Practice Institute and the author of several books, including Best Practices in Leadership Development) at Talent Management’s web site, “Participants of their Accelerated Development Program include 80 to

A bank is an institution that facilitates financial transactions between the parties. Amongst its standard operations are accepting deposits from the customers, lending money as loan (cite). The major source of income for banks is interest income which is earned on loans given to the customers, business firms and corporations. This very nature of it makes banking institutions so crucial for economic development of any country. Strong banking operations and fundamentals paves the way for higher customer and investor confidence in the company.

Century National Bank has offices in several cities in the Midwest and the southeastern part of the United States. Mr. Dan Selig, president and CEO, would like to know the characteristics of his checking account customer. To better understand the customers, Mr. Selig asked Ms. Wendy Lamberg, director of planning, to select a sample of customers and prepare a report. To begin, she has appointed a team from her staff and the team has selected a random sample of 60 customers. All the information gathered is tabulated in the table below:

The key financial indicators for evaluating financial performance of any bank are Profit Before Tax, Capital Ratio, Adjusted Gross Leverage, Loan Funding Ratio, Net income, Assets and Liabilities, Equity and Share Holders return.

The purpose of this report is comprehensive quantitative analysis for the financial performance of Barclays Bank. Quantitative analysis is an important method of looking beyond the numbers and understanding the stories they tell. It is quantitative analysis that gives way to qualitative analysis and allows us to gauge the running of a business better. Quantitative analysis is key towards improving our understanding of the relationships that may exist among key financial variables or key factors influencing the performance of a firm. The application of quantitative analysis towards business performance is a key method of identifying problems that may hinder the growth of the business and tackle their root cause.

Performance evaluations are important parts of all employees and managers tools to ensure positive actions are rewarded while negative actions can be evaluated and fixed to decrease problems in the future. Performance evaluations benefit supervisors and employees by identifying how to bring out the employees best attributes for the company (Hamlett, nd.). Evaluations provide a look at how a worker is doing compared to earlier reviews of their skill, knowledge, initiative and participation in the company’s vision (Hamlett, nd.). Introducing performance review evaluations is important to most organizations for the success of their organization and the advancement of its employees. Performance evaluations provide a way for managers and supervisors to manage the performance of an organization and the people who make of the human resources of the organization (McCarroll, nd.). When implementing a new system, it is important to understand the process must be realistic, challenging, yet attainable for performance expectations and standards to be successful for employees and the organization (McCarroll, nd.). Balanced scorecards are utilized in performance evaluations to essentially provide a way for organizations to align their strategic plans with day to day operations (Balanced Scorecard Institute, 2015). Balanced scorecards look at traditional financial measures, which are past events and long-term investments like

The core objective of this article is to analyze the impact of internal characteristics (e.g. size, leverage, liquidity, operating expenses, management fee and age) on profitability of listed Modarabas in Pakistan. Pooled OLS method used to estimate the effects of internal characteristics on profitability measured as profit margin, return on investment and earnings per certificate. Data was taken from financial statement analysis (FSA) of financial firms compiled by SBP during 2011-2015. Results show that size of Modarabasis positively related to profit margin and return on investment. The possible reasons for positive association between size and profitability are, first, large Modarabashave high turnover compared to small Modarabas

BNP Paribas bank is the 5th privet bank around the world with the investment solutions core business, its offering product and services with high added value and its design to meet the emptions on individual client. BNP Paribas is French bank and it has many branch around the world and in different 30 countries like in the middle east, United Arab Emirates ,Kuwait , Qatar , Saudi Arabia , South Africa and Bahrain and around 6300 employees round the world. It was established in Qatar through a subsidiary in 1956, and became a full commercial branch in 1973.Total employees (including subsidiaries): around 40 which different nationality Indian, Bahrainis, Frenches, Egyptians, Lebanese and Qatari. In Qatar branch the majority of workers are Bahrainis and Indian and only three Qatari working here. The main branch in the Middle East is in Bahrain so, any work do in Qatar it must request by Bahrain even the employee’s salary. In BNP Paribas the Customers segments are the Corporates and High Net worth Individuals and the Main competitors are Qatar National Bank, Commercial Bank of Qatar, Doha Bank, HSBC and Standard Chartered Bank.

Table 6: Profile of financial ratios of The ICICI Bank for three financial years post merger (in percentages)

Several research studies have done not only about the importance of performance evaluation (financial and non financial) of banks but also for the impact of analysis to the economy and various stakeholder groups. Generally the financial performance of banks and other financial institutions has been measured using a combination of financial ratio analysis, measuring performance against budget, benchmarking or a mix of methodologies Avkiran, (1995). Bank performance evaluation is of great importance for individuals because of their needs to safe against banking with a risk-running bank or due to the speculative motives linked to the activities on the capital market Hunjak, (2001). Competition in the banking sector forces banks to use their resources effectively and performance evaluation of commercial bank have an important role in service sector Ertugrul and Karakasaoglu, (2009). According to Jeon and Miller, (2006) bank performance is described in terms of bank profitability and productivity in banking. Furthermore, Melvin and Hirt, (2005) explained that performance may also refer to the development of share price, profitability or the present valuation of a company. According to Brigham and Ehrhardt, (2005) bank performance represents balance between profitability and liquidity of bank in banking field. While profitability is usually

A vibrant banking system is essential for any economy striving to achieve growth and stability in a competitive global business environment. The best indicator for the health of the banking industry in a country is its level of Non-performing assets (NPAs). NPAs are one of the major concerns for banks in India. It reflects the performance of banks. Reduced NPAs generally give the impression that banks have strengthened their credit appraisal processes over the years and growth in NPAs involves the necessity of provisions, which bring down the over all profitability of banks. The Indian banking sector is facing a serious problem of NPA. The magnitude of NPA is comparatively higher in public sectors banks. To improve the efficiency and

This paper investigates the efficiency of public and private sector banks in Peshawar. For this purpose, we have taken the secondary data from income statement, balance sheet and other financial reports of banks for the year for the year 2010, 2011 and 2012.We have used ratio analysis technique on financial statements of the two banks to find out the efficiency that which sector banks is more efficient. Both banks are considered very big and important financial institution for providing services to government employee and general publics. The all ratios result reveals that ABL is more efficient than the NBP and on the basis of these findings it accepts the hypothesis that “The private sector banks are more efficient than public sector banks in Peshawar” and reject the hypothesis “The public sector banks are more efficient than private sector banks in Peshawar”. we realize in this study that the private sector banks in Peshawar have better management and control over it as compare to public sectors bank. we suggest that Investors should invest in private sector banks rather t public sector banks in Peshawar and Recommended some good suggestions for the betterment of Public sectors banks.