A S M Shihab

Mohammed Ali
MD. Ubydul Islam
Jannatul ferdous
Nadia sultana
khadema ferdousi

12202120
12202097
12102023
12102412
12202001
12302013

Analysis of loan mix and collecting deposit

within the PSA (HSBC)

Number of loan
15

12
7
18

Home loan
Car loan
wedding loan
personal loan
Travel loan
Furniture loan

40

Product
name

No. of loan

Amount on
size (BDT in
million )

Total ( BDT
in million)

Interest rate

Home loan

18

8M<15M

120

15.5%

Car loan

40

0.5M< 10M

215

14.3%

Wedding
loan

0.1M< 3M

personal
loan

15

1M< 10M

60

15.5%

Travel loan

12

0.1M< 0.5M

10

15%

Furniture
loan

0.1M< 0.5M

14.5%

Total

100

420

15%

Fixed deposit.
DPS
Saving deposit
Short term
Demand deposit.

Product Name

Total (BDT in
million)

Interest rate

Fixed deposit

94M

9.5%-10.5%

DPS

180M

11.5% -12.5%

Saving deposit

60M

5.5%

Short term
deposit

70M

5.5%

Demand

105M

0%

Total

509M

Interest income (62.26 million)

Interest expense ( 36.24 million)
Net interest income= 26.02 million

Provision for loan ( 3% )= 12.6 million

Tax = 2 Million
Non interest income1million.
Non interest expense 6 million.
Net non interest income= -5 million
Net income =21.27 million
Total asset= 867million.

Net profit = BDT11.67 million

Net Interest Margin:

Net interest income

26.02 M
NIM= ------------------ = -----------Average earning asset
421 M
= 0.062
= 6.2%

62.26M
36.24M
Earning spread= ------ --------421M
509M
=0.148-0.0712
=0.0768

Net income
26.27M
ROA= ---------- = ------------ = 0.03029
total asset
867 M
=3.03%

From the primary analysis we can say that if we

can fulfill the target we can make profit In the
PSA.