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Welcome to our Presentation About EXIM Bank Bangladesh Limited

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Page 1: Banking 201

Welcome to our PresentationAbout

EXIM Bank Bangladesh Limited

Page 2: Banking 201

Md. Mostafa Anwar072-11-1808

Dewan MD. Jahangir Alam072-11-1800

Md. Shahab Uddin072-11-1829

Mrs. Labony Islam071- 11 - 1545

MD. Samiul Islam072-11-1811

Alauddin Ahmed Jahan072-11-1822

Md. Rashedul Alam 072-11-1828

Page 3: Banking 201

IntroductionBank:From the Italian banca meaning 'bench', the table at which a dealer in money worked. A bank is now a financial institution which offers savings and Cheque account, makes loans and provides other financial services, making profits mainly from the difference between interest paid on deposits and charged for loans, plus fees for accepting bills and other services.

Page 4: Banking 201

Background of EXIM BankEXIM Bank Limited was established in 3rd August1999 under the leadership of Late Mr. Shahjahan Kabir, founder chairman.

Mission & VisionTheir vision and mission are stated in the following bullets: •To be the finest bank in the banking arena of Bangladesh under the Shariah guidelines. •To maintain Corporate and business ethics. •To become a trusted repository of customers' money and their financial advisor. •To display team spirit and professionalism. •To have a Sound Capital Base.•To provide excellent quality Customer service

Page 5: Banking 201

Chapter-02Profile of the Company

Name of the Company: EXIM Bank Limited.Type: Limited.Founded: 3rd August, 1999.Headquarter: Printers Building, 5, Rajuk Avenue (5, 6, 10 &13th floor), Motijheel C/A, Dhaka-1000, Bangladesh.Key People: Md. Nazrul Islam Mazumder. (Chairman).Nature of Business: To improve The Banking sector.Products: Investment / Finance, Deposit, Foreign Currency Deposit, Moradabad Savings Scheme etc.Capital: The authorized capital and paid up capital of the bank are Tk. 1000.00 million and Tk 313.87 million respectively.Revenue: 1,199,490,935 BD.TK. (2006)Net Income: 650,292,342 BD.TK. (2006)Website: www.eximbankbd.com.

Page 6: Banking 201

Chapter-03Key Profitability Ratios of Exim Bank

Return on Equity Capital (ROE): It measures the net benefit that the stock holders have received from investing their capital in the company.

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

38811.0407247808

158057633

Return on Equity Capital (ROE) for the year 2001:

Page 7: Banking 201

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

3653.0551331921

201422785

Return on Equity Capital (ROE) for the year 2002:

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

3405.0748274077

254792156

Return on Equity Capital (ROE) for the year 2003:

Page 8: Banking 201

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

2727.01400004740

381798163

Return on Equity Capital (ROE) for the year 2004:

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

2903.01912421914

555335174

Return on Equity Capital (ROE) for the year 2005:

yCapitalTotalEquit

fterTaxesNetIncomeAROEtyCapitalturnonEqui )(Re

2089.03111685079

650292342

Return on Equity Capital (ROE) for the year 2006:

Page 9: Banking 201

Interpretation:Company position is not well position because, year 2001 Return on equity capital 0.388%; 2002 ROE 0.3633%; 2003 ROE 0.340%; 2004 ROE 0.272%; 2005 ROE 0.290%; and 2006 ROE 0.208%; so year by year ROE is decrease. The company wants the best position so, must be increasing ROE.

Page 10: Banking 201

Return on Assets (ROA): ROA provides an idea of the overall return on investment earned by the firm. It is primarily an indicator of managerial efficiency indicating how capably the management of a bank has been converting the bank’s assets into net earnings.

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

0196.08035327840

158057633

Return on Assets (ROA) for the year 2001:

Page 11: Banking 201

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

0177.051137470241

201422785

Return on Assets (ROA) for the year 2002:

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

01424.061788865738

254792156

Return on Assets (ROA) for the year 2003:

Page 12: Banking 201

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

0156.012435575145

381798163

Return on Assets (ROA) for the year 2004:

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

0164.083371669932

555333174

Return on Assets (ROA) for the year 2005:

sTotalAsset

fterTaxesNetIncomeAROAtsturnonAsse )(Re

0155.024179354096

650292342

Return on Assets (ROA) for the year 2006:

Page 13: Banking 201

Interpretation: ROA means Return on Assets; we have analyzed last six years company annual report. ROA definition or meaning we say that company is not very well position and company is not very bad position. This position is middle position. Because 2001 ROA 0.0196 %; 2002 ROA 0.0177%; 2003 ROA 0.01424 %; 2004 ROA 0.0156%; 2005 ROA 0.0164 %; and 2006 ROA 0.0155 %; so we can say that company is the middle position. Every year company ROA is increased and decreased.

Page 14: Banking 201

sTotalAsset

tIncomeNetInteresintMNetInteres arg

sTotalAsset

tIncomeNetInteresintMNetInteres arg

0124.08035327840

100012972

Net Interest Margin:

Net Interest Margin for the year 2001:

sTotalAsset

tIncomeNetInteresintMNetInteres arg

0179.051137470241

203875587

Net Interest Margin for the year 2002:

Page 15: Banking 201

sTotalAsset

tIncomeNetInteresintMNetInteres arg

0153.061788865738

274772354

sTotalAsset

tIncomeNetInteresintMNetInteres arg

0162.052435575141

394772275

Net Interest Margin for the year 2003:

Net Interest Margin for the year 2004:

Page 16: Banking 201

sTotalAsset

tIncomeNetInteresintMNetInteres arg

0189.083371669932

639544675

sTotalAsset

tIncomeNetInteresintMNetInteres arg

0204.024179354096

854477947

Net Interest Margin for the year 2005:

Net Interest Margin for the year 2006:

Page 17: Banking 201

Interpretation:The net interest margin measures how large a sprees between interest revenues and interest cost’s management has been able to achieve by close control over the banks earning assets and the pursuit of the chiefs sources of funding. We have analyzed last six years company annual report. We say that company Net interest margin is year by year increase .So it is well aspect for the company.

Page 18: Banking 201

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

0478.08035327840

384313885

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

0280.051137470241

319534644

Net Non Interest Margin

Net Non Interest Margin for the year 2001:

Net Non Interest Margin for the year 2002:

Page 19: Banking 201

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

0316.061788865738

565831380

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

0338.012435375145

824304712

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

0288.083371669932

972024542

Net Non Interest Margin for the year 2003:

Net Non Interest Margin for the year 2004:

Net Non Interest Margin for the year 2005:

Page 20: Banking 201

sTotalAsset

restIncomeNetNonInteinrestMNetNonInte arg

0277.024179354096

1159478403

Net Non Interest Margin for the year 2006:

Interpretation: The ratio measures the amount or non-interest margin coming from deposit service charges and other service fees relative to the amount of non-interest costs incurred (such as salaries and wages, repair and maintenance costs on bank facilities, and loan-loss expenses). So company position is reasonably good.

Page 21: Banking 201

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

03408.08035327840

145693783419547616

Net Bank Operating Margin:

Net Bank operating Margin for the year 2001:

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

034005.051137470241

201392457588189470

Net Bank operating Margin for the year 2002:

Page 22: Banking 201

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

03145.061788865738

277941810840603734

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

034316.012435575145

3832695741219076987

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

03487.083371669932

4358061391611569217

Net Bank operating Margin for the year 2003:

Net Bank operating Margin for the year 2004:

Net Bank operating Margin for the year 2005:

Page 23: Banking 201

sTotalAsset

ansestingTotalOperavenueingTotalOpertinratingMNetBankOpe

expRearg

032987.024179354096

6352832772013956350

Net Bank operating Margin for the year 2006:

Interpretation:Operating margin gives analyses an idea of how much a bank makes from each dollar of loans, before interest and taxes. We have analyzed last six years company annual report. We can say that company 2001 Net bank operating margin in 0.03408% 2002 Net bank operating margin in 0.03400%; 2003 Net bank operating margin in 0.03145%;2004 Net bank operating margin in 0.03431%; 2005 Net bank operating margin in 0.03487%; 2006 Net bank operating margin in 0.03298% . So 2005 is best.

Page 24: Banking 201

Earnings per share

dingerstyshareuntCommonEqui

fterTaxesNetIncomeAEPSshareEarningper

tan)(

Earnings per share 2001 62.44%

Earnings per share 2002 79.14%

Earnings per share 2003 81.18%

Earnings per share 2004 60.82%

Page 25: Banking 201

%61.48

11425050

555335174)( EPSshareEarningper

%4831.43

14955028

650292342)( EPSshareEarningper

Earnings per share 2005

Earnings per share 2006

Page 26: Banking 201

Interpretation:EPS indicates the per share earnings after taxes that an investor is entities to get. We have analyzed last six years company annual report. We can say that company earnings per share year by year decreasing. So company is not good position.

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Findings:Positive:owe can say that company ROA is well positionoAmong six years company net interest margin is reasonably good.oBased on Islami Shariah.oNet Bank Operating margin is well.

Negative:oROE is not suitable for company.oEarnings per share are decreasing.

Page 28: Banking 201

Conclusion:We would like to mention that so far Exim Bank Bangladesh Limited has developed lot of concerns of banking sector. Exim Bank Bangladesh Limited is an Islami Shariah based bank in Bangladesh. They know that all dreams became realistic due to their endless efforts and strong commitment. .

Page 29: Banking 201

Thank You