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    Presentation On The Comparative Analysis On Operating Efficiency of Brac Bank Limited and United Commercial Bank Limited'

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    MahmudReza
    This document compares the operating efficiency of BRAC Bank Limited and United Commercial Bank Limited from 2009 to 2013. It analyzes key metrics like total operating income and expenses, total assets and equity, operating efficiency ratio, return on assets and equity, and employee productivity ratio. The summary finds that while BRAC Bank had greater operating income, United Commercial Bank had more consistent growth over the years. Both banks started with similar total equity in 2009 but United Commercial Bank increased its equity more than BRAC Bank over the period. The document also analyzes trends in other metrics like operating efficiency ratio and return on assets and equity for both banks over time.

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    Presentation On The Comparative Analysis On Operating Efficiency of Brac Bank Limited and United Commercial Bank Limited'

    Uploaded by

    MahmudReza
    29 views12 pages
    This document compares the operating efficiency of BRAC Bank Limited and United Commercial Bank Limited from 2009 to 2013. It analyzes key metrics like total operating income and expenses, total assets and equity, operating efficiency ratio, return on assets and equity, and employee productivity ratio. The summary finds that while BRAC Bank had greater operating income, United Commercial Bank had more consistent growth over the years. Both banks started with similar total equity in 2009 but United Commercial Bank increased its equity more than BRAC Bank over the period. The document also analyzes trends in other metrics like operating efficiency ratio and return on assets and equity for both banks over time.

    Original Description:

    banking

    Original Title

    bank fund

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    This document compares the operating efficiency of BRAC Bank Limited and United Commercial Bank Limited from 2009 to 2013. It analyzes key metrics like total operating income and expenses, total assets and equity, operating efficiency ratio, return on assets and equity, and employee productivity ratio. The summary finds that while BRAC Bank had greater operating income, United Commercial Bank had more consistent growth over the years. Both banks started with similar total equity in 2009 but United Commercial Bank increased its equity more than BRAC Bank over the period. The document also analyzes trends in other metrics like operating efficiency ratio and return on assets and equity for both banks over time.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    29 views12 pages

    Presentation On The Comparative Analysis On Operating Efficiency of Brac Bank Limited and United Commercial Bank Limited'

    Uploaded by

    MahmudReza
    This document compares the operating efficiency of BRAC Bank Limited and United Commercial Bank Limited from 2009 to 2013. It analyzes key metrics like total operating income and expenses, total assets and equity, operating efficiency ratio, return on assets and equity, and employee productivity ratio. The summary finds that while BRAC Bank had greater operating income, United Commercial Bank had more consistent growth over the years. Both banks started with similar total equity in 2009 but United Commercial Bank increased its equity more than BRAC Bank over the period. The document also analyzes trends in other metrics like operating efficiency ratio and return on assets and equity for both banks over time.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 12

    Presentation

    On
    The Comparative Analysis On
    Operating Efficiency Of
    Brac Bank Limited and United
    Commercial Bank Limited
    Submitted by:
    Mehedi Hassan Rony
    Id: 51326053
    MD. Mahfuzul Haque
    Id:51222063
    Kaoser Ahammed Lemon Id: 51326020

    Overview of Banks
    BRAC Bank
    BRAC Bank was founded on 4 July 2001 as a private
    commercial bank focused on Small and Medium
    Enterprises (SME). BRAC Bank was founded to reach the
    large number of unbanked people which were not
    covered by traditional bank.

    UCBL
    With a firm commitment of the economic and social
    development of Bangladesh, United Commercial Bank
    (UCB) started its journey in mid 1983 and has since been
    able to establish itself as one of the largest first generation
    banks in the country. With a vast network of 148 branches
    the Bank has already made a distinct mark in the realm of
    Private Sector Banking through personalized service,
    innovative practices, dynamic approach and efficient
    Management.

    Total Operating Revenue(Income):


    Total Operating Income
    2500

    2059

    2000
    1500
    taka(in crore)

    1000

    1333
    519

    1571

    1531
    785

    1073
    929 1017

    1239

    UCBL
    BRAC

    500
    0

    2009

    2010 2011
    year

    2012

    2013

    We see that BRAC has greater operating income than UCBL. But
    fact is that UCBL has almost consistent growing over the years
    but BRAC is very fluctuations as 2010 to 2012. And SBL growth
    rate is almost 12%(Avg.).

    Total operating expenses:


    Total Operating Expenses
    1812

    2000
    1800
    1600

    1259

    1400
    1200
    taka(in crore)

    1034

    961

    UCBL

    1000
    600
    400

    BRAC

    629

    800
    206

    312

    332

    441

    527

    200
    0

    2009

    2010

    2011
    year

    2012

    2013

    Total

    Asset:
    Total Asset
    2500

    2072
    1686

    2000
    1500
    taka(in crore)

    904945

    1298
    1191

    2263

    1736

    1332
    1030

    1000

    UCBL
    BRAC

    500
    0

    2009

    2010

    2011
    year

    2012

    2013

    Here we see that Total asset of UCBL is higher than BRAC


    throughout the year 2009 to 2013 but growth rate has
    slowed down for BRAC from year 2012 to 2013. Whereas,
    UCBL is having consistent growth.

    Total

    Equity:
    Total Equity
    2500

    2050

    2000

    1596

    1500
    taka(in crore)

    1000

    815
    570

    781841

    2009

    2010

    960

    1816
    UCBL

    1015

    BRAC
    502

    500
    0

    2011
    year

    2012

    2013

    We see that both bank started from almost the same point
    in 2009 but the total equity of UCBL has increased more
    than BRAC over the year depicting more operating
    excellence through the years.

    Operating efficiency ratio


    Opretaing Efficiency Ratio
    75.00%

    80.00%
    70.00%

    60.40%

    60.00%

    67.00%
    54.70%
    46.63%

    50.00%

    32.96%

    40.00%
    30.00%

    48.02%
    37.62%

    39.12%

    UCBL
    BRAC

    20.43%

    20.00%
    10.00%
    0.00%

    2009

    2010

    2011

    2012

    2013

    year

    Here we see BRAC started with 60.40% and have been able to slow the
    expenses to 54% in year 2011which expresses their operating efficiency.
    But UCBL although was in advantageous position with only 20.43% in year
    2009 and they made it 46% in the following year. But it increased 39.12%
    in 2013 and may be it will increase further as per the trend

    Return

    on Asset:
    Return On Asses
    17.56%

    18.00%
    16.00%
    14.00%
    12.00%
    10.00%
    8.00%
    6.00%
    4.00%
    2.00%
    0.00%

    14.09%

    12.84%
    8.00%

    9.00%

    UCBL

    5.70%

    6.04%

    5.51%

    4.90%

    5.40%

    2009

    2010

    2011

    2012

    2013

    BRAC

    year

    As we see that return on asset for BRAC is higher than


    UCBL. But because of the political turmoil BRAC has been
    affected highly than UCBL, because it is having negative
    growth after 2010 while BRAC is recovering after 2012

    Return

    on equity:
    Return On Equity
    27.78%

    30.00%

    22.22%

    25.00%
    20.00%

    16.80%
    16.03%

    14.00%
    13.00%

    15.00%

    16.00%

    18.00%
    14.09%

    UCBL
    BRAC

    8.70%

    10.00%
    5.00%
    0.00%

    2009

    2010

    2011
    year

    2012

    2013

    Return on equity was almost equal for both the bank in year
    2009.After that they are having negative growth depicting a very
    negative trend. And BRAC has been able to make it after 2012.

    Employee

    Productivity Ratio:

    Employee Productivity Ratio:


    0.3
    0.25
    0.2

    UCBL

    0.15

    BRAC

    0.1
    0.05
    0

    2009

    2010

    2011

    2012

    2013

    year

    In the consideration of maximum utilization of the


    productivity of the employee, UCBL was outstanding in year
    2009-11.

    THANK YOU

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