banking 201
TRANSCRIPT
Welcome to our PresentationAbout
EXIM Bank Bangladesh Limited
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
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.
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
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.
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:
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:
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:
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.
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:
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:
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:
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.
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:
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:
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:
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.
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:
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:
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.
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:
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:
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.
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%
%61.48
11425050
555335174)( EPSshareEarningper
%4831.43
14955028
650292342)( EPSshareEarningper
Earnings per share 2005
Earnings per share 2006
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.
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.
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. .
Thank You