Higher Ratios that indicates as a successful bank for the year ended 2006 of

Southeast Bank Limited

1. Ratio of interest income to total asset= Net interest income/ Total assets
= 1,063,148,171/54,824,834,953 *100
= 1.93%
2. Ratio of securities to total assets = Investment/ Total assets
= 6,265,549,960/54,824,834,953 *100
= 11.43%
3. Ratio of earning assets to total asset = Earning assets/ Total assets
=48,242,831,960/54,824,834,953 *100
= 87.99%
4. Ratio of current deposits to total liabilities = Current deposit/ Total liabilities
= 3,588,572,367/49,765,540,315 *100
= 7.21%
5. Ratio of bank capital to total asset = Owners equity/ Total assets
= 5,059,294,638/54,824,834,953 *100
= 9.22%
6. Ratio of per employees assets = Total assets/ No. of employee
= 54,824,834,953/998
= 54,934,704.36
7. Salaries and allowances per employee = Salaries/ No. of employee
= 18,184,364/998
= 18,220.81
Lower Ratios that indicates as a successful bank for the year ended 2006 of
Southeast Bank Limited.
1. Ratio of loans and advances to total assets = Loans and advances/ Total assets
= 41,147,282,000/54,824,834,953 *100
= 75.05%
2. Ratio of interest expense to total assets = Interest expense/ Total assets
= 4,044,631,543/54,824,834,953 *100
= 7.38%

3. Ratio of interest expense to interest bearing liabilities = Interest expense / Interest

bearing liabilities
= 4,044,631,543/42,183,539,460 *100
= 9.59%
4. Ratio of non interest expense to total assets = Non-interest expense/ Total assets
= 7,582,000,852/54,824,834,953 *100
= 13.83%
5. Ratio of provision for loan loss to total assets = Loan loss/ Total assets
= 1,511,681,051/54,824,834,953 *100
= 2.76%
6. Ratio of loan loss to total loan and advances = Loan loss/ Total loans and
advances
= 1,511,681,051/41,147,282,000 *100
= 3.67%
7. Ratio of non-performing loans and advances to total loan and advances = Non
performing loans and advances/ Total loan and advances
= 1,631,786,528/41,147,282,000 *100
= 3.97%
Higher Ratios that indicates as a successful bank for the year ended 2007 of
Southeast Bank Limited
1. Ratio of interest income to total asset= Net interest income/ Total assets
= 11,556,463,112/64,370,690,040 *100
= 2.42 %
2. Ratio of securities to total assets = Investment/ Total assets
= 8,462,863,000/64,370,690,040 *100
= 13.15%
3. Ratio of earning assets to total asset = Earning assets/ Total assets
= 56,937,467,150/64,370,690,040 *100
= 88.45%
4. Ratio of current deposits to total liabilities = Current deposit/ Total liabilities
= 3,939,794,945/58,226,220,939 *100
= 6.77%
5. Ratio of bank capital to total asset = Owners equity/ Total assets
= 6,144,469,101/64,370,690,040 *100
= 9.54

6. Ratio of per employees assets = Total assets/ No. of employee

= 64,370,960,040/1116
= 57,680,071.72
7. Salaries and allowances per employee = Salaries/ No. of employee
= 375,550,966/1116
= 336,515.2025
Lower Ratios that indicates as a successful bank for the year ended 2007 of
Southeast Bank Limited.
1. Ratio of loans and advances to total assets = Loans and advances/ Total assets
= 48,164,604,150/64,370,690,040 *100
= 74.82%
2. Ratio of interest expense to total assets = Interest expense/ Total assets
= 4,852,499,177/64,370,690,040 *100
= 7.54%
3. Ratio of interest expense to interest bearing liabilities = Interest expense / Interest
bearing liabilities
= 4,852,499,177/50,852,480,390 *100
= 9.54%
4. Ratio of non interest expense to total assets = Non-interest expense/ Total assets
= 7,373,740,540/64,370,690,040 *100
= 11.46%
5. Ratio of provision for loan loss to total assets = Loan loss/ Total assets
= 1,648,056,656/64,370,690,040 *100
= 2.56%
6. Ratio of loan loss to total loan and advances = Loan loss/ Total loans and
advances
= 1,648,056,656/48,164,604,150 *100
= 3.42%
7. Ratio of non-performing loans and advances to total loan and advances = Non
performing loans and advances/ Total loan and advances
= 1,813,938,231/48,164,604,150 *100
= 3.77%

Higher Ratios that indicates as a successful bank for the year ended 2008 of
Southeast Bank Limited
1. Ratio of interest income to total asset= Net interest income/ Total assets
= 1,320,041,046/81,181,527,919 *100
= 1.63 %
2. Ratio of securities to total assets = Investment/ Total assets
= 12,299,606,871/81,181,527,919 *100
= 15.51%
3. Ratio of earning assets to total asset = Earning assets/ Total assets
= 72,700,767,250/81,181,527,919 *100
= 89.55%
4. Ratio of current deposits to total liabilities = Current deposit/ Total liabilities
= 5,235,642,551/73,824,253,488 *100
= 7.09%
5. Ratio of bank capital to total asset = Owners equity/ Total assets
= 7,357,274,431/81,181,527,919 *100
= 9.06%
6. Ratio of per employees assets = Total assets/ No. of employee
= 81,181,527,919/1231
= 65,947,626.25
7. Salaries and allowances per employee = Salaries/ No. of employee
= 430,658,117/1231
= 349,844.22

Lower Ratios that indicates as a successful bank for the year ended 2008 of
Southeast Bank Limited.
1. Ratio of loans and advances to total assets = Loans and advances/ Total assets
= 60,281,260,389/81,181,527,919 *100
= 74.25%
2. Ratio of interest expense to total assets = Interest expense/ Total assets
= 6,210,696,470/81,181,527,919 *100
= 7.65%

3. Ratio of interest expense to interest bearing liabilities = Interest expense / Interest

bearing liabilities
= 6,210,696,470/64,188,890,860 *100
= 9.68%
4. Ratio of non interest expense to total assets = Non-interest expense/ Total assets
= 9,635,362,625/81,181,527,919 *100
= 11.87%
5. Ratio of provision for loan loss to total assets = Loan loss/ Total assets
= 805,238,059/81,181,527,919 *100
= 0.99%
6. Ratio of loan loss to total loan and advances = Loan loss/ Total loans and
advances
= 805,238,059/60,281,260,389 *100
= 1.33%
7. Ratio of non-performing loans and advances to total loan and advances = Non
performing loans and advances/ Total loan and advances
= 1,444,319,126/60,281,260,389 *100
= 2.4%

Southeast Bank Limited 2006

1. Average cost of funds on deposits= Interest paid on deposit/ Average deposits
throughout the year
= 3,694,400,003/
(46,056,183,240+38,258,152,688) *100
2
= 8.76%
2. Ratio of interest paid on call money to average call money throughout the year
=Interest paid on call money/ Average call money throughout the year
= 104,012,706/ (314,442,000+70,112,500) *100
2
= 54.1%
3. Ratio of interest paid on current deposits to average current deposits = Interest
paid on current deposits/ Average current deposits
= 287,857,587/(3,588,572,367+3,113,194,702 *100
2
= 8.59%
Southeast Bank Limited 2007
1. Average cost of funds on deposits= Interest paid on deposit/ Average deposits
throughout the year
= 4,338,580,546/50,765,115,670*100
= 8.55%
2. Ratio of interest paid on call money to average call money throughout the year
=Interest paid on call money/ Average call money throughout the year
= 54,141,429/6,509,000
= 8.3179
3. Ratio of interest paid on current deposits to average current deposits= Interest
paid on current deposits/ Average current deposits
= 308,128,185/3,764,183,656 *100
= 8.19%

Southeast Bank Limited 2008

1. Average cost of funds on deposits = Interest paid on deposit/ Average deposits
throughout the year
= 5,441,808,307/62,094,360,340 *100
= 8.76%
2. Ratio of interest paid on call money to average call money throughout the year
=Interest paid on call money/ Average call money throughout the year
= 165,393,384/784,251,063 *100
= 21.09%
3. Ratio of interest paid on current deposits to average current deposits= Interest
paid on current deposits/ Average current deposits
= 473,217,517/4,587,718,748 *100
= 10.31%