Financial Performance of National Bank of Ethiopia

Pro Forma Before New Strategy Implementation ..................................................................... 14 Pro Forma Post New Strategy Implementation ......................................................................... 14 Net Worth and Stock Price Analysis ......................................................................................... 15 VIII. Recommendations & Implementation ................................................................................. 15 Short-Term Recommendations ................................................................................................. 15 Long-Term Recommendations.................................................................................................. 16 QSPM ........................................................................................................................................ 17 Balanced Score Card

Internship Report submitted to SIU in partial completion of the requirement of MBA Banking Management at Symbiosis School of Banking & Finance

| -levels of borrowing aqnd liquidity-level of return on investments-regular budget performance monitoring and reporting.

Table 4 summarises descriptive statistics of RATE, the un-weighted (weighted) risk disclosure index (RDI) as well as SSB for all bank fiscal years, as well as for each of the eight firm years investigated, separately from 2006 to 2013. Table 4 shows a number of remarkable outcomes. First, it reports that there is a high amount of variation in ratings between banks. For instance, RATE ranges from a minimum of 1 (Default) to a maximum of 19 (AA- which mean very high credit quality) with the median RATE 14.12 (Good credit quality) that indicate most banks in MENA have good rating, but there has been a continuous decreases in ratings during 2008 and years after which reflects the impact of continues crises beginning with GFC in 2007 and credit crunch in 2010. For instance, the average banks ratings is 14.4, 14.29, 14.09, 13.77, 13.69 and 13.84 in 2008, 2009, 2010, 2011 and 2012, but RATE begin to increases in 2013 which indicates recovery in MENA banks from GFC crisis effects. Finally, there is evidence that the level of listed bank RATE before GFC is higher than during and after GFC.

8 Dietrich, A. and Wanzenried, G., “The determinants of commercial banking profitability in low-,middle-, and high-income countries” The Quarterly Review of Economics and Finance, Vol. 54 (2014),pp.337-354

The Awards were presented by the Asian Bankers Association (ABA) and Bank Marketing Association of the Philippines (BMAP) in the Asia Pacific Bankers Congress (APBC) 2004 on March 26, 2004 in Manila, Philippines.

Data collection for this report were collected from the annual report of five Bumiputera Listed Company on Bursa Malaysia from the year2008 to 2013, which are Gopeng Berhad, Heitech Padu Berhad, Ingress Corporation, KAF-Seagroatt and Campbell and Kencana Petroleum. Additional data and figures were extracted straight from financial websites of YAHOO!Finance and Wall Street Journal. Data key in and analye were done using Microsoft Excel

The financial structure also comprises of the microfinance institutions (MFI) which include SACCOs of Tier 41 by grading, providing financial services to people in peri-urban and rural areas. Since 2009, there has been a tremendous evolution in mobile money services that has changed Uganda’s financial landscape to include a large proportion of the population that was formerly excluded from the financial services sector.

I, Miss. Sarmistha Sasmal, the student of M.Com (Banking & Finance)(Semester-I), from The Sydenham College Of Commerce & Economics, hereby declare that I have completed this project on INTERNATIONAL BANKING, in the academic year 2012-2013 .

A Thesis Submitted to the School of Graduate Studies of Addis Ababa University in Partial Fulfillment of the Requirements for the Degree of Master of Science in Accounting and Finance

In Nigeria today, a number of banks wanting to merge may run into difficulties, because most Nigeria banks are not quoted on the stock exchange and the assets of some are really bad. The effect of the merger is that merging banks in the country, under the current dispensation may lose their licenses and be issued new ones to reflect the new consolidated outfit. As we go on in the subsequent chapters, further critical look shall be taken on the effect that this development is likely to or will have on the Nigeria banking industry and the economy at large.

I am glad to submit my Internship Report for the Internship Program (BBA 10th, 2006), herewith.

Ben Ukaegbu and Isaiah Oino (2014) conduct a comprehensive field of study on the impact of foreign bank entry on domestic banking in a developing country from the perspective of Kenyan. Using 19 banks level data from 2001 to 2009, the authors examine the penetration of foreign banks into Kenya and the impact on domestic banking operations. Objective of their study is to examine the impact of foreign bank entry on domestic banking and to evaluate how the entry of foreign impacts access to credit. The study used percentage of foreign banks as a dependent variable which may influence the independent variables such as profitability of domestic bank, net interest margin, loan loss reserve ratio, cost income ratio, Tier 1 capital, average lending rate, private credit to gross domestic product, inflation and percentage of non-performing loan of domestic banks. Regression analysis has applied to assess the impact

There has been a decline in the operation of the DFIs with their shares of assets of only 9.7 percent in 2004, against 10.2 percent in 2003. Total deposits of the banks in 2004 rose to Taka 1,326.1 billion from Taka 1,140.3 billion in 2003 showing an overall increase by 16.3 percent. The NCBs ' (comprising of 4 largest banks) share in deposits decreased from 46.0 percent in 2003 to 42.8 percent in 2004. On the other hand, PCBs ' deposits in 2004 amounted to Taka 588.0 billion or 44.3 percent of the total industry deposit against Taka 468.2 billion or 41.1 percent in 2003. FCBs ' deposits in 2004 rose by Taka 11.00 billion or 13.0 percent over the previous year. The DFIs ' deposits in 2004 were Taka 75.1 billion against Taka 62.6 billion in 2003 showing an increase of 20.0 percent over the year.

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”.