mcb common size analysis

Analysis of Balance SheetSupporting Calculation

Year 2005

Internship Report on MCB Babar Adeeb 74-SS-081

Cash &Ballance Treasury Banks =23,665,549298,780,780

×100=7 .92 %

Balances with other Banks =1,466,045298,780,780

×100=0. 49 %

Lending to Financial Institution =9,998,828298,780,780

×100=3 . 35 %

Investment =69,481,487298,780,780

×100=23. 26 %

Advances =180,322,753298,780,780

×100=60 . 35%

Opreating Fixed Assets =8,182,454298,780,780

×100=2. 74 %

Deffered Tax Assets =191,967298,780,780

×100=0. 06%

Other Assets =5,471,697298,780,780

×100=1. 83 %

Bill Payable =8,536,674298,780,780

×100=2 .86 %

Borrowing =27,377,502298,780,780

×100=9 . 16 %

Deposit & Other Accounts =229,341,890298,780,780

×100=76. 76 %

Sub-Ordinated Loans =1,598,080298,780,780

×100=0.53 %

Other Liabilities =8,192,338298,780,780

×100=2. 74 %

Year 2006


Share Capital =4,265,327298,780,780

×100=1. 43 %

Reserve =9,054,940298,780,780

×100=3 . 03%

Unappropriate Profit =4,990,260298,780,780

×100=1 . 67 %

Surplus =5,423,769298,780,780

×100=1 . 82%


×100=9. 49 %

Lending to Financial Institution =21,081,800342,108,243

×100=6 . 16 %

Ballances with other Banks = 6,577,017342,108,243

×100=1. 92 %

Investment =63,486,316342,108,243

×100=18. 56 %

Advances =198,239,155342,108,243

×100=57 . 94 %

Opreating Fixed Assets = 9,054,156342,108,243

×100=2. 65 %

Deffered Tax Assets = 172,373342,108,243

×100=0 .05 %

Other Assets =11,031,450342,108,243

×100=3. 23 %

Borrowing =23,943,476342,108,243

×100=6 . 99 %

Bill Payable =7,089,679342,108,243

×100=2 . 07%

Year 2007



×100=75. 25 %

Sub Ordinated Loans = 1,597,440342,108,243

×100=0 . 47 %


×100=3. 27 %

Share Capital =5,463,276342,108,243

×100=1. 6 %

Reserve =24,662,426342,108,243

×100=7 . 21 %

Un-appropriated Profit =5,530,973342,108,243

×100=1. 62 %

Surplus =5,187,639342,108,243

×100=1 .52 %


×100=9 .67 %

Ballance with other Banks = 3,807,519410,485,517

×100=0 .93 %

Lending to Financial Instutions = 1,051,372410,485,517

×100=0 . 26 %

Investment =113,089,261410,485,517

×100=27 .55 %

Advances =218,960,598410,485,517

×100=53. 34 %


×100=3 . 9 %

Other Assets =17,868,761410,485,517

×100=4 .35%

Bill Payable =10,479,058410,485,517

×100=2. 55 %

Year 2008


Borrowing =39,406,831410,485,517

×100=9 .6 %

Deposit & other Accounts =292,098,066410,485,517

×100=71.16%

Subordinated Loans = 479,232410,485,517

×100=0 . 12 %

Deffered Tax Liabilities = 1,180,162410,485,517

×100=0 . 29 %


×100=2 .86 %

Share Capital =6,282,768410,485,517

×100=1 . 53 %

Reserves =34,000,638410,485,517

×100=8 .28 %


×100=1 .25 %

Surplus =9,705,519410,485,517

×100=2. 36%


×100=8 .93 %

Ballance with others Banks =4,043,100443,615,904

×100=0 .91 %

Lending to Financial Instutions =4,100,079443,615,904

×100=0.92 %

Investments =96,631,874443,615,904

×100=21. 7 %

Advances =262,135,470443,615,904

×100=59 .18 %


×100=3 .89 %

Year 2009


Other Assets =19,810,476443,615,904

×100=4 . 47 %

Bill Payable =10,551,468443,615,904

×100=2 .38 %

Borrowing =22,663,840443,615,904

×100=5 .11%


×100=74 . 45 %

Deffered Tax Liabilities =437,137443,615,904

×100=0 . 1%

Other Liablities =21,345,781443,615,904

×100=4 .79 %

Share Capital =6,282,768443,615,904

×100=1.42 %

Reserves =36,768,765443,615,904

×100=8 . 28 %


×100=2.07 %

Surplus =6,191,189443,615,904

×100=1 . 4%

Cash &Ballance Treasury Banks =38,774,871 509,223,727

×100=7 .62 %

Ballance with other Banks =6,009,993 509,223,727

×100=1 .18 %

Lending to Financial Instutions =3,000,000 509,223,727

×100=0.59 %

Investments =167,134,465 509,223,727

×100=32.82 %

Advances =253,249,407 509,223,727

×100=49 .73 %

Vertical Analysis of Profit & Loss Account


Opreating Fixed Assets =18,014,896 509,223,727

×100=3 . 54 %

Other Assets =23,040,095 509,223,727

×100=4 .52%

Bills Payable =8,201,090 509,223,727

×100=1 .61%

Borrwing =44,662,088 509,223,727

×100=8 .77 %

Deposit & Others Accounts =367,604,711 509,223,727

×100=72 .18 %

Deffered Tax Liabilities =3,196,743 509,223,727

×100=0 . 63 %

Others Liabilities =15,819,082 509,223,727

×100=3.11%

Share Capital =6,911,045 509,223,727

×100=1. 36 %

Reserves =38,385,760 509,223,727

×100=7 . 54 %

Un-appropriated Profit =15,779,127 509,223,727

×100=3 .1 %

Surplus =8,664,081 509,223,727

×100=1 .7 %

Supporting Calculation

Year 2005Total Income = Mark Up Income + Non Mark Up Income = 17,756,232 + 5,753,669 = 23,509,901

Year 2006Internship Report on MCB Babar Adeeb 74-SS-087

Mark up/ returned/ Intrest earned =17,756,23223,509,901

×100=75 . 53%

Mark up/ returned/ Intrest Expensed =2,781,46823,509,901

×100=11.83 %

Net Mark up/ returned/ Intrest Income =14,974,76423,509,901

×100=63 . 7%

Provisions & Written off =1,144,35523,509,901

×100=4 . 87 %

Net Mark up/ Intrest Income after provisions =13,830,40923,509,901

×100=58 .83 %

Non Mark up/ Intrest Income =5,753,66923,509,901

×100=24 .47 %

Non Mark up/ Intrest Expenses =6,565,59123,509,901

×100=27 .93 %

Profit Before Taxaction =13,018,48723,509,901

×100=55 .37 %

Taxaction =4,096,07223,509,901

×100=17. 42%

Profit after Taxaction =8,922,41523,509,901

×100=37.95 %

Total Income = Mark Up Income + Non Mark Up Income = 25,778,061 + 4,991,416 = 30,769,477




×100=83 .78 %


×100=14 .71 %


×100=69 . 07 %


×100=3 .84 %

Net Mark up/ Intrest Income after Provisions =20,069,96530,769,477

×100=65 .23%


×100=16 .22 %


×100=21 . 32%

Profit Before Taxation =18,500,67030,769,477

×100=60 .13 %

Taxation =6,358,27230,769,477

×100=20 .66 %

Profit after Taxation =12,142,39830,769,477

×100=39 . 46 %

Mark up/ returned/ Intrest earned =31,786,595 38,234,822

×100=83.14 %


×100=20 .57 %


×100=62. 57 %


×100=8.02 %




×100=54 .55%


×100=16. 86 %


×100=15 .68%

Profit Before Taxation =21,308,03538,234,822

×100=55 .73 %

Taxation =6,042,47338,234,822

×100=15 . 8 %

Profit after Taxation =15,265,56238,234,822

×100=39 .93 %

Mark up/ returned/ Intrest earned =40,043,824 45,835,264

×100=87 . 36 %


×100=25 .22 %


×100=62. 14 %


×100=8. 77%


×100=53. 37 %


×100=12. 64 %


×100=18 .3 %

Profit Before Taxations =21,867,56645,835,264

×100=47 .71 %


Horizontal Analysis of Balance SheetSupporting Calculation

Cash & Balance with Treasury Banks.


Taxations =6,492,96645,835,264

×100=14 .17 %

Profit after Taxations =15,374,60045,835,264

×100=33. 54 %


×100=90 .14 %

Mark up/ returned/ Intrest Expensed =15,841,463 57,258,892

×100=27 .67 %

Net Mark up/ returned/ Intrest Income =35,774,544 57,258,892

×100=62. 48 %

Provisions & Written off =7,322,321 57,258,892

×100=12 . 79 %

Net Mark up/ Intrest Income after Provisions =28,452,223 57,258,892

×100=49 . 69%

Non Mark up/ Intrest Income =5,642,885 57,258,892

×100=9 .86 %

Non Mark up/ Intrest Expenses =10,940,163 57,258,892

×100=19 .11%

Profit Before Taxation =23,154,945 57,258,892

×100=40 . 44 %

Taxation =7,659,648 57,258,892

×100=13 . 38%

Profit after Taxation =15,495,297 57,258,892

×100=27 .06 %

Balance with other Banks.

Lending to Financial Institutions.


Year 2005-06 =32,465,97623,665,549

×100=137 .19−100=37 . 19 %

Year 2006-07 =39,683,88332,465,976

×100=122. 23−100=22 .23%

Year 2007-08 =39,631,17239,683,883

×100=99 .87−100=−0 .13 %

Year 2008-09 =38,774,871 39,631,172

×100=97 .84−100=−2 .16 %

Year 2005-09 =38,774,871 23,665,549

×100=163 .85−100=63 . 85 %

Year 2005-06 = 6,577,0171,466,045

×100=448 . 62−100=348 . 62 %

Year 2006-07 = 3,807,519 6,577,017

×100=57. 89−100=−42. 11%

Year 2007-08 =4,043,100 3,807,519

×100=106 . 19−100=6 .19%

Year 2008-09 =6,009,993 4,043,100

×100=148. 65−100=48.65 %

Year 2005-09 =6,009,993 1,466,045

×100=409 . 95−100=309. 95%

Year 2005-06 =21,081,8009,998,828

×100=210 .84−100=110. 84 %

Year 2006-07 = 1,051,37221,081,800

×100=4 . 99−100=−95 . 01%

Year 2007-08 =4,100,079 1,051,372

×100=389 . 97−100=289 . 97 %

Year 2008-09 =3,000,000 4,100,079

×100=73 .17−100=−26 . 83 %

Year 2005-09 =3,000,000 9,998,828

×100=30−100=−70 %

Investment – net

Advances – net

Operating Fixed Assets

Deferred Tax Assets – net


Year 2005-06 =63,486,31669,481,487

×100=91 .37−100=−8 .63 %

Year 2006-07 =113,089,26163,486,316

×100=178 .13−100=78 . 13 %

Year 2007-08 =96,631,874113,089,261

×100=85 .12−100=−14 . 88%

Year 2008-09 =167,134,465 96,631,874

×100=173 . 63−100=73 .63 %

Year 2005-09 =167,134,465 69,481,487

×100=240 .55−100=140 .55 %

Year 2005-06 =198,239,155180,322,753

×100=109. 94−100=9 .94 %

Year 2006-07 =218,960,598198,239,155

×100=110 . 45−100=10 . 45 %

Year 2007-08 =262,135,470218,960,598

×100=119.72−100=19 . 72%

Year 2008-09 =253,249,407 262,135,470

×100=96 .61−100=−3 . 39 %

Year 2008-09 =253,249,407 180,322,753

×100=140 . 44−100=40 . 44 %

Year 2005-06 = 9,054,1568,182,454

×100=110 .65−100=10 . 65 %

Year 2006-07 =16,024,123 9,054,156

×100=176. 98−100=76 . 98 %

Year 2007-08 =17,263,73316,024,123

×100=107. 74−100=7.74%

Year 2005-09 =18,014,896 8,182,454

×100=220 . 16−100=220 .16 %

Year 2008-09 =18,014,896 17,263,733

×100=104 . 35−100=4 . 35%

There is no amount for deferred tax assets in the next years, so for next years the change will be zero.

Other Assets – net

Bill Payable

Borrowings


Year 2005-06 = 172,373191,967

×100=87 .07−100=−12.93 %

Year 2005-06 =11,031,4505,471,697

×100=201 .61−100=101 .61 %

Year 2006-07 =17,868,76111,031,450

×100=161 . 98−100=61 .98 %

Year 2007-08 =19,810,47617,868,761

×100=110. 87−100=10 .87 %

Year 2008-09 =23,040,095 19,810,476

×100=116 .30−100=16 . 30 %

Year 2008-09 =23,040,095 5,471,697

×100=421. 08−100=321 . 08 %

Year 2005-06 =7,089,6798,536,674

×100=83 . 05−100=−16 . 95 %

Year 2006-07 =10,479,0587,089,679

×100=147 .71−100=47 . 71 %

Year 2007-08 =10,551,46810,479,058

×100=100. 69−100=0 . 69 %

Year 2008-09 =8,201,090 10,551,468

×100=77 .72−100=−22 .28 %

Year 2005-09 =8,201,090 8,536,674

×100=96 .07−100=−3 . 93%

Year 2006-07 =39,406,83123,943,476

×100=164 . 58−100=64 .58 %

Year 2005-06 =23,943,47627,377,502

×100=87 . 46−100=−12 . 54%

Year 2007-08 =22,663,84039,406,831

×100=57 .51−100=−42.49 %

Year 2008-09 =44,662,088 22,663,840

×100=197 . 06−100=97 . 06 %

Deposit & Other Accounts

Sub – ordinated Loans

There are no amounts for the next years for sub-ordinated loans. So change will be zero for the next years.Deferred Tax Liabilities

Others Liabilities


Year 2005-09 =44,662,088 27,377,502

×100=163 .13−100=63 . 13 %

Year 2005-06 =257,461,838229,341,890

×100=112 .26−100=12. 26 %

Year 2006-07 =292,098,066257,461,838

×100=113. 45−100=13 . 45 %

Year 2007-08 =330,181,624292,098,066

×100=113 . 04−100=13 . 04 %

Year 2008-09 =367,604,711 330,181,624

×100=111. 33−100=11.33 %

Year 2005-09 =367,604,711 229,341,890

×100=160 .29−100=60 . 29 %

Year 2005-06 = 1,597,4401,598,080

×100=99. 96−100=−0 .04 %

Year 2006-07 = 479,232 1,597,440

×100=30−100=−70%

Year 2006-07 =100 %

Year 2007-08 =437,137 1,180,162

×100=37 . 04−100=−62. 96 %

Year 2008-09 =3,196,743 437,137

×100=731 . 29−100=631. 29 %

Year 2006-07 =11,722,49311,171,496

×100=104 . 93−100=4 . 93 %

Year 2005-06 =11,171,4968,192,338

×100=136 .37−100=36 .37 %

Year 2007-08 =21,345,78111,722,493

×100=182 . 09−100=82 .09 %

Year 2008-09 =15,819,082 21,345,781

×100=74 .11−100=25 . 89 %

Share Capital

Reserves

Un-appropriated Profit


Year 2005-09 =15,819,082 8,192,338

×100=193 . 10−100=93 .10 %

Year 2005-06 =5,463,2764,265,327

×100=128 . 09−100=28 .09 %

Year 2006-07 =6,282,7685,463,276

×100=114. 96−100=14 .96 %

Year 2007-08 =6,282,7686,282,768

×100=100−100=0 %

Year 2008-09 =6,911,045 6,282,768

×100=110−100=10 %

Year 2005-09 =6,911,045 4,265,327

×100=162. 03−100=62 . 03 %

Year 2005-06 =24,662,4269,054,940

×100=272. 36−100=172 .36 %

Year 2006-07 =34,000,63824,662,426

×100=137 . 86−100=37 .86 %

Year 2007-08 =36,768,76534,000,638

×100=108. 14−100=8.14 %

Year 2008-09 =38,385,760 36,768,765

×100=104 . 40−100=4 . 40 %

Year 2005-09 =38,385,760 9,054,940

×100=423 . 92−100=323 . 92 %

Year 2005-06 =5,530,9734,990,260

×100=110.84−100=10 .84%

Year 2006-07 =5,130,7505,530,973

×100=92. 76−100=−7 .24%

Year 2007-08 =9,193,3325,130,750

×100=179. 18−100=79 .18 %

Year 2008-09 =15,779,127 9,193,332

×100=171 . 64−100=71 .64 %

Surplus on Revolution of Assets

Horizontal Analysis of Profit & Loss AccountSupporting Calculation

Mark-up / return / interest earned


Year 2005-09 =15,779,127 4,990,260

×100=316 . 20−100=216 . 20 %

Year 2005-06 =5,187,6395,423,769

×100=95 .65−100=−4 . 35%

Year 2006-07 =9,705,5195,187,639

×100=187 . 09−100=87 .09 %

Year 2007-08 =6,191,1899,705,519

×100=63 .79−100=−36. 21 %

Year 2008-09 =8,664,081 6,191,189

×100=139. 94−100=39.94 %

Year 2005-09 =8,664,081 5,187,639

×100=167. 01−100=67 . 01%

Year 2005-06 =25,778,06117,756,232

×100=145 . 18−100=45 . 18 %

Mark-up / return / interest expensed

Net

mark-up / interest income

Provisions, Bad debts and written off


Year 2006-07 =31,786,59525,778,061

×100=123. 31−100=23 .31 %

Year 2007-08 =40,043,82431,786,595

×100=125 . 98−100=25 . 98 %

Year 2008-09 =51,616,007 40,043,824

×100=128 . 90−100=28 . 90 %

Year 2005-09 =51,616,007 17,756,232

×100=290 . 69−100=190 .69 %

Year 2005-06 =4,525,3592,781,468

×100=162 .70−100=62 . 70 %

Year 2006-07 =7,865,5334,525,359

×100=173 . 81−100=73 . 81 %

Year 2005-09 =15,841,463 2,781,468

×100=569 . 54−100=469. 54 %

Year 2008-09 =15,841,463 11,560,740

×100=137 .03−100=37 . 03 %

Year 2007-08 =11,560,7407,865,533

×100=146 . 98−100=46 . 98%

Year 2005-06 =21,252,70214,974,764

×100=141. 92−100=41. 92 %

Year 2006-07 =23,921,06221,252,702

×100=112 . 56−100=12 .56 %

Year 2007-08 =28,483,08423,921,062

×100=119. 07−100=19 . 07 %

Year 2005-09 =35,774,544 14,974,764

×100=238 . 90−100=138 . 90 %

Year 2008-09 =35,774,544 28,483,084

×100=125 . 60−100=25 .60 %

Year 2005-06 =1,182,7371,144,355

×100=103 .35−100=3 . 35 %

Year 2006-07 =3,065,0511,182,737

×100=259 .15−100=159 . 15 %

Net mark-up / interest income after provisions

Non-mark-up /

interest income

Non-mark-up / interest expenses


Year 2007-08 =4,019,1213,065,051

×100=131.13−100=31 .13 %

Year 2008-09 =7,322,321 4,019,121

×100=182 . 19−100=82. 19 %

Year 2005-09 =7,322,321 1,144,355

×100=639. 86−100=539 . 86 %

Year 2005-06 =20,069,96513,830,409

×100=145. 11−100=45 .11%

Year 2006-07 =20,856,01120,069,965

×100=103. 92−100=3 . 92 %

Year 2005-06 =4,991,4165,753,669

×100=86 . 75−100=−13 . 25 %

Year 2005-09 =28,452,223 13,830,409

×100=205. 72−100=105. 72 %

Year 2008-09 =28,452,223 24,463,963

×100=116 .30−100=16 . 30 %

Year 2007-08 =24,463,96320,856,011

×100=117. 30−100=17 .30 %

Year 2006-07 =6,448,2274,991,416

×100=129 . 19−100=29. 19 %

Year 2007-08 =5,791,4406,448,227

×100=89 . 81−100=−10. 19 %

Year 2008-09 =5,642,885 5,791,440

×100=95. 41−100=−4 . 59%

Year 2005-09 =5,642,885 5,753,669

×100=98. 07−100=−1. 93 %

Year 2005-06 =6,560,7116,565,591

×100=99 .93−100=−0 .07 %

Year 2006-07 =5,996,2036,560,711

×100=91. 40−100=−8 .60%

Year 2008-09 =10,940,163 8,387,837

×100=130 . 43−100=30 .43 %

Year 2007-08 =8,387,8375,996,203

×100=139 .89−100=39. 89 %

Profit before Taxation

Profit after Taxation

Ratio AnalysisSupporting Calculation

Current Assets: Cash & Balance with Treasury banks + Balances with other banks + Lending to Financial Institutions + Investment + AdvancesCurrent Liabilities: Bill Payable + Borrowing + Deposit & other Accounts + Subordinated Loans + Liabilities against assets subject to financial lease


Year 2006-07 =21,308,03518,500,670

×100=115.17−100=15. 17 %

Year 2005-06 =18,500,67013,018,487

×100=142. 11−100=42. 11%

Year 2005-09 =10,940,163 6,565,591

×100=166 . 63−100=66 . 63 %

Year 2007-08 =21,867,56621,308,035

×100=102. 63−100=2 .63 %

Year 2008-09 =23,154,945 21,867,566

×100=105 . 89−100=5 . 89 %

Year 2005-09 =23,154,945 13,018,487

×100=177 . 86−100=77 . 86 %

Year 2005-06 =12,142,3988,922,415

×100=136 .09−100=36 . 09 %

Year 2008-09 =15,495,297 15,374,600

×100=100 . 79−100=0 .79 %

Year 2007-08 =15,374,60015,265,562

×100=100. 71−100=0 .71 %

Year 2006-07 =15,265,56212,142,398

×100=125. 72−100=25 .72 %

Year 2005-09 =15,495,297 8,922,415

×100=173 . 67−100=73 . 67 %

Current Ratio =Current AssetsCurrent Liabilities

Year 2006 =321,850,264290,092,433

=1 .11

Year 2005 =284,934,662266,854,146

=1 .07

Year 2007 =376,592,633342,463,187

=1 .10

Year 2008 =406,541,695363,396,932

=1 .12


Year 2009 =468,168,736420,467,889

=1 . 11

Cash Ratio =Cash & Cash EquivalentCurrent Liabilities

Year 2005 =23,665,549266,854,146

=0 . 09

Year 2006 =32,465,976290,092,433

=0 .11Year 2007 =39,683,883

342,463,187=0 . 12

Year 2008 =39,631,172363,396,932

=0 .11

Year 2009 =38,774,871 420,467,889

=0 . 09

Time Interest Earned Ratio =EBITInterest Expenses

Year 2005 =17,756,2322,781,468

=6 .38

Year 2006 =25,778,0614,525,359

=5. 70

Year 2007 =31,786,5957,865,533

=4 .04

Year 2008 =40,043,82411,560,740

=3 .46

Year 2009 =51,616,007 15,841,463

=3. 26

Debt Ratio =Total LiabilitiesTotal Assets

Year 2005 =275,046,484298,780,780

=0 . 92

Year 2006 =301,263,929342,108,243

=0 . 88

Year 2007 =355,365,842410,485,517

=0. 87

Year 2008 =385,179,850443,615,904

=0 .87

Year 2009 =439,483,714 509,223,727

=0 .86

Working Capital= Current Assets – Current LiabilitiesYear 2005= 284,934,662 – 266,854,146 = 18,080,516Year 2006= 321,850,264 – 290,092,433 = 31,757,831Year 2007= 376,592,633 – 342,463,187 = 34,129,146Year 2008= 406,541,695 – 363,396,932 = 43,144,763Year 2009= 468,168,736 – 420,467,889 = 47,700,847

Avg. Equity 2006= 18,310,527 + 35,656,675/2 = 26,983,601

Avg. Equity 2007= 35,656,675 + 45,414,156/2 = 40,535,415.50

Avg. Equity 2008= 45,414,156 + 52,244,865/2 = 48,829,510.50

Avg. Equity 2009= 52,244,865 + 61,075,932 /2 = 56,660,398.50

Avg. Assets 2006=

298,780,780 + 342,108,243 /2 = 320,444,511.50

Avg. Assets 2007= 342,108,243 + 410,485,517 /2 = 376,296,880


Return on Equity =Net ProfitAverage Share Holder Equity

×100

Year 2005 =8,922,41518,310,527

×100=48 .73 %

Year 2006 =12,142,39826,983,601

×100=45 %

Year 2007 =15,265,56240,535,415.5

×100=37 . 66 %

Year 2008 =15,374,60048,829,510. 5

×100=31 . 49 %

Year 2009 =15,495,297 56,660,398 .5

×100=37 .35 %

Return on Assets =Net ProfitAverage Total Assets

×100

Year 2005 =8,922,415298,780,780

×100=2. 99 %

Year 2006 =12,142,398320,444,511. 5

×100=3 .79 %

Year 2007 =15,265,562376,296,880

×100=4 . 06 %

Year 2008 =15,374,600427,050,710. 5

×100=3 . 60%

Avg. Assets 2008= 410,485,517 + 443,615,904/2 = 427,050,710.50

Avg. Assets 2009= 443,615,904 + 509,223,727/2 = 476,419,815.50

\


Year 2009 =15,495,297 476,419,815.5

×100=3 . 25%

Return on Depost =Net ProfitDeposits & Other Accounts

×100

Year 2005 =8,922,415229,341,890

×100=3 . 89

Year 2006 =12,142,398257,461,838

×100=4 . 72

Year 2007 =15,265,562292,098,066

×100=5.23

Year 2009 =15,495,297 367,604,711

×100=4 .22

Year 2008 =15,374,600330,181,624

×100=4 .66

Cash to Depost Ratio =Cash & Cash EquivalentDeposits & Other Accounts

Year 2005 =23,665,549229,341,890

=0 .103

Year 2006 =32,465,976257,461,838

=0 .126

Year 2007 =39,683,883292,098,066

=0 . 136

Year 2008 =39,631,172330,181,624

=0 . 120

Year 2009 =38,774,871 367,604,711

=0 . 105

Intrest Expense to total Expense Ratio =Intrest ExpnesesTotal Expenses

Year 2006 =4,525,35911,086,070

=0 .408

Year 2005 =2,781,4689,347,059

=0 . 298


Year 2007 =7,865,53313,861,736

=0 .567

Year 2008 =11,560,74019,948,577

=0 . 580

Year 2009 =15,841,463 26,781,626

=0 .592

Intrest Income to total Income Ratio =Intrest IncomeTotal Income

Year 2005 =17,756,23223,509,901

=0 .755

Year 2006 =25,778,06130,769,477

=0 . 838

Year 2007 =31,786,595 38,234,822

=0 .831

Year 2008 =40,043,82445,835,264

=0 .874

Year 2009 =51,616,007 57,258,892

=0 .901

Net Profit Margin =Net ProfitTotal Revenue/Income

×100

Year 2005 =8,922,41523,509,901

×100=37 . 95 %

Year 2006 =12,142,39830,769,477

×100=39.46 %

Year 2007 =15,265,56238,234,822

×100=39 . 93 %

Year 2008 =15,374,60045,835,264

×100=33 .54 %

Year 2009 =15,495,297 57,258,892

×100=27 . 06 %

mcb common size analysis

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