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    1.0 Ratio Analysis: Five Years Financial Analysis of Southeast Bank Limited (SEBL)

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    Tanjimun Nahar
    Southeast Bank Limited (SEBL) is one of the leading private commercial banks in Bangladesh that has been operating since 1995. The document analyzes SEBL's financial performance over five years from 2015 to 2019 using various ratio analyses including liquidity, activity, efficiency, profitability, and credit risk ratios. Key ratios such as operating profit margin, net profit margin, return on assets, and return on equity are examined to understand SEBL's financial health and performance over time.

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    1.0 Ratio Analysis: Five Years Financial Analysis of Southeast Bank Limited (SEBL)

    Uploaded by

    Tanjimun Nahar
    199 views2 pages
    Southeast Bank Limited (SEBL) is one of the leading private commercial banks in Bangladesh that has been operating since 1995. The document analyzes SEBL's financial performance over five years from 2015 to 2019 using various ratio analyses including liquidity, activity, efficiency, profitability, and credit risk ratios. Key ratios such as operating profit margin, net profit margin, return on assets, and return on equity are examined to understand SEBL's financial health and performance over time.

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    Southeast Bank Limited (SEBL)

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    Southeast Bank Limited (SEBL) is one of the leading private commercial banks in Bangladesh that has been operating since 1995. The document analyzes SEBL's financial performance over five years from 2015 to 2019 using various ratio analyses including liquidity, activity, efficiency, profitability, and credit risk ratios. Key ratios such as operating profit margin, net profit margin, return on assets, and return on equity are examined to understand SEBL's financial health and performance over time.

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    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    199 views2 pages

    1.0 Ratio Analysis: Five Years Financial Analysis of Southeast Bank Limited (SEBL)

    Uploaded by

    Tanjimun Nahar
    Southeast Bank Limited (SEBL) is one of the leading private commercial banks in Bangladesh that has been operating since 1995. The document analyzes SEBL's financial performance over five years from 2015 to 2019 using various ratio analyses including liquidity, activity, efficiency, profitability, and credit risk ratios. Key ratios such as operating profit margin, net profit margin, return on assets, and return on equity are examined to understand SEBL's financial health and performance over time.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 2

    A bank is an economic institution and its main aim is to earn profit through exchange of

    money & credit instruments. It is a service oriented and profit oriented organization. To
    perform those two functions simultaneously, the bank divides its operations into four parts-
    General Banking, Accounts and General Services, loan & Advances and Foreign Exchange.
    Bank invests money into different financial security and different types of project to diversify
    its risk and getting more profit. Southeast Bank is one of the leading private commercial
    banks in Bangladesh. It has total 122 branches across Bangladesh. Southeast Bank has been
    operating in Bangladesh since 1995 and achieved public confidence as a sound, stable and
    trustworthy Bank. Financial statement Analysis is one of the most vital elements for any
    commercial bank. Southeast bank takes decision by analyzing the financial Statement
    Analysis of the bank. External Stakeholders use it to understand the overall health of the
    organization. Sometimes bank evaluates its financial performance and we look at the
    company's income statement and statement of cash flows and conclude by covering the key
    contents of an annual report. Ratio analysis shows the performance of the bank and financial
    health of a bank by using data from the current financial statements. Ratio analysis mainly
    used to establish a trend line for the bank’s results over a large number of financial reporting
    periods. The three main ways to analyze financial statement analysis techniques are
    horizontal analysis, Vertical Analysis and the ratio analysis.

    Five years financial analysis of Southeast Bank Limited (SEBL)

    1.0 Ratio Analysis


    1.1 Liquidity Ratio:
    Particular 2015 2016 2017 2018 2019

    Cash Ratio 0.070 0.089 0.140 0.110 0.070

    Cash To Assets 0.070 0.085 0.110 0.108 0.077

    Cash to Deposits 0.080 0.080 0.144 0.110 0.090

    Loan To Total Deposits 0.900 0.835 1.010 0.800 0.908

    Loan To Total Assets 0.709 0.755 0.740 0.740 0.790


    1.2 Activity Ratio:

    Particular 2015 2016 2017 2018 2019

    Total Assets
    Turnover 2.70% 2.55% 2.45% 2.55% 2.78%

    Equity
    Turnover 66.56% 55.86% 60.04% 74.63% 79.32%

    1.3 Efficiency Ratio:


    Particular 2015 2016 2017 2018 2019

    Interest Income to Expense 1.240 1.234 1.288 1.382 1.420

    Operating Expenses to Assets 0.010 0.010 0.010 0.010 0.010

    Operating Income To Assets 0.025 0.020 0.022 0.024 0.027

    Operating Expense to Revenue 0.440 0.467 0.520 0.448 0.420

    1.4 Profitability Ratio:


    Particular 2015 2016 2017 2018 2019

    Operating Profit Margin 22.40% 22.32% 24.75% 28.78% 33.00%

    Net Profit Margin 3.24% 2.21% 2.57% 4.54% 3.85%

    Return on Assets 0.46% 0.32% 0.30% 0.43% 0.38%

    Return on Equity 10.06% 6.03% 6.80% 11.11% 10.81%

    Credit Risk Ratio: Risk Ratio


    Particular 2015 2016 2017 2018 2019

    Equity to Assets 0.038 0.040 0.035 0.036 0.034

    Equity to Net Loans 0.056 0.057 0.052 0.048 0.043

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