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ANAYLSIS OF FINANCIAL STAT

Bank; Assignment
Standard Chartered# bank
4
Industry: BANKING

Submitted to: Dr
Submitted By: AHSAN WAQAS
Reg NO: MB081014
AL STATEMENTS

ed# bank
4 Pakistan

mitted to: Dr. Arshad Hassan


Assets 2008 2009 weight 2008 2009
Debt/other Loans/ Letter of credit 208231260 155188128 1 208231260 155188128
Mortgage Loan 0 0 0.5 0 0
Inter Bank Loan 22806246 32728480 0.2 4561249.2 6545696
Cash and Govt Securities 21521550 22741035 0 0 0
Risk Weighted Assets ### 161733824
Tier 1 capital 44665571 44010120
Tier 2 capital 3080285 -1252980

Capital Adequicy Ratio 0.22 0.26


Advances to Equity Ratio 2.79 2.85
Asset Quality -0.06 -0.08
net advances to total assets 0.4 0.47
net advances to total equity 2.79 2.85
Management Quality
advances to deposits 0.6 0.72

Earning Quality
Spread 0.26 0.23
Liquidity
Current Asset Ratio 0.81 0.8
Current Ratio 1.11 1.12
Cash to deposits Ratio 0.1 0.13
Assets 2008 2009
Cash and balances with treasury banks CGS 21,521,550 22,741,035
Balances with other banks IB 2,238,182 1,261,582
lending to financial institutions IB 20,568,064 31,466,898
Investments OL 83,784,536 29,586,663
aAdvances OL 124,446,724 125,601,465
Total Current assets 252559056 210657643
Total Assets 312,874,212 264,617,178
Liabilities
Bills payable 4,844,638 4,296,420
Borrowings 15,747,326 8,695,730
Deposits and other accounts 206,957,950 174,551,801
Total Current liabilities 227549914 187543951
Equity Tier 1 44,665,571 44,010,120
Surplus on revaluation of assets tier 2 3,080,285 -1,252,980

Provision agianst non-performing advances -7,453,893 -10,494,804

Interest income 26,653,240 23,307,442


Interest expense -10,369,328 -6,888,900
No. of employee