Financial Analysis Of The Bank - 741 Words

Ekaterina Antonova Financial Analysis of the Bank as at 31 December 2013 Business description and operating environment The Bank provides universal banking services with core activities in corporate and retail banking. The rapid increase in total assets by 72%, customer deposits by 64% and net loans by 70% over 1Q 2013 suggests that the Bank merged with another bank. While competition in the Polish banking sector remains intense, the merged bank is likely to benefit from a more diversified revenue structure, stronger origination capacity and some cost benefits. The Bank had total assets of PLN 106.1bn (EUR 25.6bn), equity of PLN 14.5bn (EUR 3.5bn) and generated net income of PLN 2.0bn (EUR 477m) in 2013. In the latest Regional Economic Prospects Update , EBRD expects that Poland’s recovery will continue to accelerate, following last year’s expansion by 1.6%. Supported by positive trends in the labour market, improving external demand and healthier credit conditions, the economy is set to grow by 2.8 % this year and next. Margins/Profitability The bank has sound revenue structure, with net interest income and net commission and fee income accounting for 54% and 29% of total operating income (before provisions) in 2013. Dependency on volatile income from trading activities is limited, contributing 3% to operating income. Net income increased by 37% over the year mainly because of the merger as return on average assets remained stable at 2.4%. While remaining strong, netShow MoreRelatedFinancial Analysis Of Bank Of Queensland1873 Words   |  8 PagesABSTRACT The purpose of this report is to provide a financial analysis of Bank of Queensland (BOQ) taking into consideration its competitive strategic responses, corporate governance and its overall financial performance. The current corporate governance of the bank is discussed in line with ASX CGC principles and recommendations. The financial analysis is conducted through comparing profitability ratios from its annual reports. The results show that BOQ has achieved a strong margin (22%) and shareholderRead MoreFinancial Analysis of Icici Bank14963 Words   |  60 PagesMINOR PROJECT REPORT ON THE STUDY OF ANALYSIS OF FINANCIAL STATEMENT OF ICICI BANK [pic] Submitted in the partial fulfillment of required for the award of degree of Bachelor of Business Administration. Submitted By: Akanksha Jain ENROLL No- 001 /KRCHE /BBA(BI)/2006 Under the guidance (MR. A. Lenin Jothi) ( Mrs. Madhu Arora) KASTURI RAM COLLEGE OF HIGHER EDUCATION (AFFILATED TO GURU GOBIND SINGH UNIVERSITY, DELHI) ACKNOWLEDGEMENT Getting a project ready requires the work and effortRead MoreSunTrust Banks: Financial Analysis2441 Words   |  10 Pages[pic] [pic] SunTrust Banks Financial Analysis Florida Atlantic University ACG 6315 TABLE OF CONTENTS Introduction 3 Description of the Company 3-4 Economic and Industry Analysis 4-5 Competition 5-6 Financial Ratio Analysis 6-9 Capital Adequacy 6-7 Asset Quality 7 Management 7-8 Earnings 8 Liquidity 8 Sensitivity to Market Risk 9 Assumptions 9 Results of Analysis 9 Conclusion 10 References 11 Appendix 12 Introduction The bankingRead MoreFinancial Analysis of Bank of America5121 Words   |  21 PagesFinancial Statement Analysis of Bank of America Group 1 Chen, Yelin Dong, Xiaoxu Gransbach, Jennifer Shuai, Wang Weiss, Charles 1 Financial Statements of Bank of America 1 1.1 Balance sheet 1 1.2 Income statement 2 1.3 Regulatory capital ratios 2 1.4 Investment portfolio 2 1.5 Impact of the FSP FAS 115-2 and FAS 124-2 on OTTI 3 1.5.1 Bank of America 3 1.5.2 JP Morgan Chase 3 1.5.3 Citi Group 3 1.6 Netting Financial Instruments 3 1.6.1 Bank of America 4 1.6.2 ComparableRead MoreFinancial Analysis : Barclays Bank2411 Words   |  10 Pagesimperative for banks to keep a close watch on the interest rate cycle: if rates are rising they have to ensure that their lending rates rise alongside or before the borrowing rate and vice versa. The premier position that Barclays enjoyed in the financial industry for over 3 centuries is a validation of the fact that it was built on the strong principles of finance. However, the last couple of decades have seen erosion in its reputation due to the breaching of those very principles. Barclays Bank is oneRead MoreFinancial Analysis of Prime Bank Limited16543 Words   |  67 PagesPrime Bank Limited†-Mohakhali Branch. I started my internship in Prime Bank Limited-Mohakhali Branch on 12th February and ended on 10th May 2012. Throughout my internship period Samina Haque, Senior Lecturer of BRAC Business School was my academic supervisor and Md. Abdul Bari Mollah, Senior Assistant Vice President amp; Manager Operation was my field supervisor. A report on a particular topic is a mandatory part of the internship program. I was authorized to make a report on the â€Å"Financial analysisRead MoreThe Implications Of Bank Specialization On Its Financial Statement Analysis1097 Words   |  5 PagesWhen making a financial analysis on a bank, the type of business it conducts need to be considered. Specialization can lead a bank to operate in different practices and have a varied structure of their balance sheet. If the structure and composition of the bank is not to b e considered, financial statement analysis will provide misleading information. This report will investigate the implications of bank specialization on its financial statement analysis. Specialization Larger banks specialize inRead MoreQuantitative Analysis For The Financial Performance Of Barclays Bank2931 Words   |  12 Pagesthis report is comprehensive quantitative analysis for the financial performance of Barclays Bank. Quantitative analysis is an important method of looking beyond the numbers and understanding the stories they tell. It is quantitative analysis that gives way to qualitative analysis and allows us to gauge the running of a business better. Quantitative analysis is key towards improving our understanding of the relationships that may exist among key financial variables or key factors influencing the performanceRead MoreJamuna Bank Financial Report Analysis3291 Words   |  14 PagesCorporate Profile Jamuna Bank Limited (JBL) is a Banking Company registered under the Companies Act, 1994 with its Head Office at Chini Shilpa Bhaban, 3, Dilkusha C/A, Dhaka-1000. The Bank started its operation from 3rd June 2001.   The Bank undertakes all types of banking transactions to support the development of trade and commerce of the country. JBLs services are also available for the entrepreneurs to set up new ventures and BMRE of industrial units.  Jamuna Bank Ltd., the only Bengali namedRead MoreFinancial Performance Analysis of Sonali Bank Limited11974 Words   |  48 PagesFinancial Performance Analysis of Sonali Bank Limited Executive Summary Commercial Banks are one of the key contributors to the economy of Bangladesh. As a commercial bank, how much Sonali Bank Limited contributing the people of Bangladesh in case of forming capital, lending funds, collecting remittances from aboard, controlling default loan and banking services encourages us to study its financial activities and performance. It is the largest commercial bank which was established in 1972 with the