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    BKB Ratio Analysis-2010 & 2011

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    Miltu Talukder
    This document is an analysis of the ratio performance of Bangladesh Krishi Bank for the years 2010 and 2011. It analyzes 8 key ratios: current ratio, return on assets, return on common stockholders' equity, net interest margin, net noninterest margin, net operating margin, net profit margin, and asset utilization. For most ratios, the bank performed better in 2011 compared to 2010, with higher profitability, returns, and more efficient use of assets. The document was prepared by Paritran Talukder for a course assignment on bank management.

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    BKB Ratio Analysis-2010 & 2011

    Uploaded by

    Miltu Talukder
    169 views6 pages
    This document is an analysis of the ratio performance of Bangladesh Krishi Bank for the years 2010 and 2011. It analyzes 8 key ratios: current ratio, return on assets, return on common stockholders' equity, net interest margin, net noninterest margin, net operating margin, net profit margin, and asset utilization. For most ratios, the bank performed better in 2011 compared to 2010, with higher profitability, returns, and more efficient use of assets. The document was prepared by Paritran Talukder for a course assignment on bank management.

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    banking in bangladesh

    Original Title

    Bkb Ratio Analysis-2010 & 2011

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    This document is an analysis of the ratio performance of Bangladesh Krishi Bank for the years 2010 and 2011. It analyzes 8 key ratios: current ratio, return on assets, return on common stockholders' equity, net interest margin, net noninterest margin, net operating margin, net profit margin, and asset utilization. For most ratios, the bank performed better in 2011 compared to 2010, with higher profitability, returns, and more efficient use of assets. The document was prepared by Paritran Talukder for a course assignment on bank management.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    169 views6 pages

    BKB Ratio Analysis-2010 & 2011

    Uploaded by

    Miltu Talukder
    This document is an analysis of the ratio performance of Bangladesh Krishi Bank for the years 2010 and 2011. It analyzes 8 key ratios: current ratio, return on assets, return on common stockholders' equity, net interest margin, net noninterest margin, net operating margin, net profit margin, and asset utilization. For most ratios, the bank performed better in 2011 compared to 2010, with higher profitability, returns, and more efficient use of assets. The document was prepared by Paritran Talukder for a course assignment on bank management.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as DOC, PDF, TXT or read online from Scribd
    Download as doc, pdf, or txt
    of 6

    Anadeel.iba@gmail.

    com

    ASSIGNMENT
    ON
    Ratio Analysis of Bangladesh Krishi Bank for the years 2010 & 2011

    Course: FIN 510: Bank Management

    Prepared For,
    Md. Alamgir Hossen
    Course Instructor
    FIN 510: Bank Management
    WMBA-IBA-JU

    Prepared By,
    Paritran Talukder
    Roll: 201103098
    WMBA-IBA-JU

    Date of Submission,
    November 16, 2012

    The Institute of Business Administration, Jahangirnagar University, Savar, Dhaka

    Bangladesh Krishi Bank


    Bangladesh Krishi Bank (BKB) is a 100% government owned specialized Bank in Bangladesh.
    KRISHI means Agriculture. Since its inception, BKB is financing in agricultural sector remarkably.
    BKB also performs commercial banking. People working abroad can easily send money home
    through our Taka Drawing Arrangement.
    The major occupation of the people of Bangladesh is "Krishi". Krishi is a Bengali word which means
    "Agriculture". About 85% of the population depends directly or indirectly on agriculture which
    contributes a significant portion to GDP.
    Bangladesh Krishi Bank (BKB) has been established under the Bangladesh Krishi Bank order 1973
    (President's Order No 27 of 1973). BKB is a Banking Company under the Banking Company Act1991. Its Head Office is located at Krishi Bank Bhaban,83-85 Motijheel Commercial Area, Dhaka1000, Bangladesh.

    Current Asset
    1. CURRENT RATIO =
    Current Liabilities
    76524,922,447.00
    For the year 2011 =
    129,585,520,572.00
    = 0.59
    66,048,966,139.00
    For the year 2010 =
    110536,299,782.00
    = 0.60
    Comment: In the year 2011 the short term debt paying ability was lower than 2010.
    Net Income
    2. RETURN ON ASSETS =
    Total Assets
    3603,577,157.00
    For the year 2011 =
    144,836,311,366.00
    = 0.024 or 2.4%
    2446,853,965.00
    For the year 2010 =
    124,687,777,443.00
    = 0.0196 or 1.96%
    Comment: In 2010 return on assets is comparatively lower than that the year 2011. Therefore,
    overall profitability of assets in year 2011 is better.

    Net Income
    3. RETURN ON COMMON STOCKHOLDERS EQUITY =
    Common Equity
    3603,577,157.00
    For the year 2011 =
    14,469,380,340.00
    = 0.24 or 24.00%
    2446,853,965.00
    For the year 2010 =
    12,446,729,033.00
    = 0.19 or 19 %
    Comment: profitability of owners investment in year 2011 is higher than that of year 2010.

    Net Interest Income


    4. NET INTEREST MARGIN =
    Total Assets
    4218,407,545.00
    For the year 2011 =
    144,836,311,366.00
    = 0.029 or 2.9%
    2088,801,459.00
    For the year 2010 =
    124,687,777,443.00
    = 0.018 or 1.08%
    Comment: For all the asset interest income from investment in year 2010 is higher.
    Net Noninterest Income
    5. NET NONINTEREST MARGIN =
    Total Assets
    7298,316,420-4218,407,545.00

    For the year 2011 =


    144,836,311,366.00
    = 0.021 or 2.1%
    4789,819,035.00 2088,801,459.00
    For the year 2010 =
    124,687,777,443.00
    = 0.0217 or 2.17%
    Comment: Income from other operating activities except profit from investment is higher in year
    2010 than that of year 2011.

    Net Operating Income


    6. NET OPERATING MARGIN =
    Total Assets
    7298,316,420.00
    For the year 2011 =
    144,836,311,366.00
    = 0.0504 or 5.04%
    4789,819,035.00
    For the year 2010 =
    124,687,777,443.00
    = 0.038 or 3.8%
    Comment: Management had been operated the activities in 2011more effectively.
    Net Income
    7. NET PROFIT MARGIN =
    Total Operating Revenue
    1091,310,752.00
    For the year 2011 =

    = 0.1495 or 14.95%
    7298,316,420.00
    600,292,013.00

    For the year 2010 =

    = 0.1253or 12.53%
    4789,819,035.00

    Comment: Net profit margin in year 2011 is better; comparing operating revenue net income in
    2010.
    Total Operating Revenue
    8. ASSET UTILIZATION =
    Total Assets
    7298,316,420.00
    For the year 2011 =
    129,709,816,841.00

    = 0.056 or 5.6%

    4789,819,035.00
    For the year 2010 =

    = 0.0384 or 3.84%
    124,687,777,443.00

    Comment: In year 2011 assets are used more efficiently.

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