Importance Of Evaluating Bank Performance : A Special Kind Of Type Of Enterprise, The Business Goal Of Bank

The banking industry is highly competitive. The financial services industry has been around for hundreds of years. Wells Fargo has many competitors itself. In this paper, I will be doing a comparison of Wells Fargo & Company (WFC) and one of its biggest competitors, Bank of America Corporation (BAC). By analyzing looking at the financial ratios, one can see whether the company is successful or not. In the following, I will try to analyze and make a comparison of Wells Fargo’s and Bank of America’s recent performance in growth, income, and efficiency. Using a these criteria, I will determine which bank is the better buy according my analysis. My analysis of WFC & BAC’s performances

To evaluate the Performance in any organization would simply mean to understand the goals and objectives of the company and how the goals/ objectives are achieved are the means of measurement. Different organization will have different objectives. For some it would mean high revenue, managing resources, customer satisfaction, and strong governance, building

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.

Measuring performance means when a business will measure the quality of the activities that are passing and the quality of the services provided to the customers by employees. It involves creating a simple, but effective, system for determining whether organizations meet objectives. It’s also a process of collecting and reporting information regarding the performance of an individual, group or organizations. It can

The growth of the bank’s revenue for its shareholders, is also as a result of the respect the bank has on delivering quality services, respecting the views of everyone involved in their business, having a leadership system that is easily approachable, being

Extensive research has determined that the banking industry is in an unstable state. The industry’s profits have

Performance refers to the actual performance exhibited by a Team Member in their daily activities and is measured in terms of Target Achievement.

This report compares financial performance of two major banks of UK i.e. HSBC Bank Plc and Barclays Bank Plc on the basis of their Balance sheets and profit and loss accounts for the year 2009. This report also provides SWOT analysis of both banks i.e. HSBC and Barclays Bank Plc and provides an insight into their Banking Strategies.

The term ‘performance' is a familiar term used in many aspects of everyday life. Most dictionaries define it as the manner or quality of functioning and it is appropriate to apply it to organizations, with regard to monitoring and quantifying their operating capabilities. Performance measurement system will be those traditional, financially-based performance measures which periodically summarize the organization's performance for the benefit of shareholders, lenders, creditors and statutory authorities.

A Bank is a financial intermediary that acts as an economic firm producing goods and services. With this view in mind it’s easy to see that a bank exists to make a profit. In order for a bank to be successful and make a profit, it has to take risk. A bank that is averse to risk will be a stagnant institution unable to adequately serve its customers effectively and produce a profit. However, a banking institution that takes excessive or unnecessary risk is also likely to run into trouble. All risk is uncertain but with bounds the probability of an outcome can be predicted using expectation. A bank can also run into trouble if it decides to take a

The key earnings measurements of SDB are ROAA (net income/average total assets) and ROAE (net income/average equity). ROAA is called return on average asset. It is an indicator shows how much bank earns as a percentage of total assets. ROAE is an indicator for return on equity. And From 2000 to 2002, the SDB’ s ROAA and ROAE are decreasing over time. Based on Exhibit 10 (Jin, Xuan, & Bai, 2009), the average ROAA for industry peers is 0.6%, higher than SDB’S ROAA, which is 0.3%. The average ROAE for industry peers is 26.8%, which is much higher than 9.1% for SDB. These data shows SDB is not a profitable bank as the profitability of both bank’s total assets and average equity are lower than industry peers. Moreover, the overall financial performance of SDB is worse compare with its industry peers. This is because not only the ROAA and ROAE are lower than other banks but also other measure of firm earning capability are performing poor than industry peers. For example, the Operating expense/Operating income ratio for average industry peers is 55.3% and for SDB is 58.3% (Jin, Xuan, & Bai, 2009). Which means for every operating income SDB generated, it has to spend more than others.

COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE OF PUBLIC AND PRIVATE BANKS [IN THE CASE OF SELECTED PRIVATE AND PUBLIC BANKS]

Financial statements for banks present a different analytical problem than manufacturing and service companies. As a result, analysis of a bank's financial statements requires a distinct approach that recognizes a bank's somewhat unique risks. Banks take deposits from savers, paying interest on some of these accounts. They pass these funds on to borrowers, receiving interest on the loans. Their profits are derived from the spread between the rate they pay for funds and the rate they

Performance measurement and performance management are two very important terms when it comes to how we analyse and value the economic world. In 1995, Lebas defined that performance is all about capability and how one deploy and manage the componenets of casual models that could lead to attainment of set objectives witin controls specific to firm and situation (Lebas, 1995). Likewise other scholars such as Neely (1995) and Bititci et al. (1997) went on to explain that performance measurement is analysising the effectivenesss and efficiency of action (Neely, 1995) and that performance management is a set of process through which an organization tries to manage its performance with respect to its financial and corporate objectives and strategies (Bititci et al, 2012). While both the scholars came up with different explanations, it was Lebas (1995), who argued that both performance measurement and management are inseperable as performance management leads and follows performance measurement ( Yadav et al, 2013)

Essential and foremost, all praises for the Almighty Allah, the generous and benevolent, the maker of the universe, who gave us the strength and courage to finish the work. We invoke peace for Hazrat Muhammad (peace be upon him), the last prophet of Allah who is perpetually a light of direction for mankind as a whole.