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A-
258,
Bhishma
Pitamah
Marg,
One
of
the
most
important
and
prestigious
domains
in
India,
the
Banking
sector
can
be
safely
considered
to…
Read
More
File
format:
.doc,
available
for
editing
9.
CC3002
2013
Coursework
Assignment:
Case
Study
Page
7
11.
MyBank
Project
Plan
The
following
table
shows
an
agreed
high-
level
schedule
for
the
project:
Stage
/
milestone
Planned
date(s)
Actual
date(s)
Project
start-
up
Agree
statement
of
need
and
membership
of
MTSC
Steering
Committee
by
31
Dec
2011
Signed
off
on
22
Dec
2011
Project
brief,
incl.
feasibility
assessment
By
28
Jan
2012
Delivered
3
Feb
2012
Agreed
by
SC
on
10
Feb
2012
Project
Initiation
Document
(PID)
incl.
baseline
plan
By
8
Apr
2012
Delivered
8
Apr
2012
Revised
12
Apr
2012
Agreed
15
Apr
2012
Analysis
phase
11
Apr
2012
-
24
Jun
2012
18
Apr
2012
-
8
Jul
2012
(completed)
Design
phase
27
Jun
2012
-
30
Sep
2012
11
Jul
2012
-
12
Oct
2012
(completed)
Development
and
Implementation
phase
10
Oct
2012
–
11
May
2012
17
Oct
2012
-
…
(on-
going
and
on-
schedule)
Preliminary
installation
and
support
plan
By
Week
5
2013
(date
to
be
confirmed)
(note:
assignment
1)
Final
installation
and
support
plan
By
Week
13
2013
(date
to
be
confirmed)
(note:
assignment
2)
Installation
4
June
2013
(earliest)
–
14
December
2013
…
Support
phase
Must
start
as
soon
as
any
part
of
MyBank
is
live
…
This
paper
“The
Effectiveness
of
Pay
for
performance
Programs”
aims
at
improving
the
performance
of
current
employees,
retaining
them
in
the
organization,
prevailing
fair
treatment
and
equality
and
attracting
new
promising
employees
in
order
to
achieve
the
organization's
short
term
and
long
term
goals....
hellip;
The
author
states
that
pay
for
performance
programs
seek
the
same
objectives....
Pay
incentives
for
performance
in
not
a
new
phenomenon
as
it
can
be
dated
back
to
the
Napoleon
era....
New
Essays
This
paper
"evaluation
of
Performance
of
a
Bank
Using
Published
Accounting
Data"
discusses
accounting
data
that
is
commonly
used
to
analyze
the
performance
of
banks....
evaluation
using
the
published
data
is
also
needed
by
shareholders
to
make
decisions
such
as
whether
to
buy
or
sell
a
share
of
banks....
Since
there
are
various
factors,
which
can
be
used
for
the
evaluation
of
the
performance
of
a
bank;
therefore,
a
brief
overview
is
important
to
get
an
idea
about
them....
Let
us
write
or
edit
the
coursework
on
your
topic
"Bank
Performance
Evaluation"
with
a
personal
Coursework
bank
info
-
Сушильные
шкафы
для
одежды
и
обуви
DOWNLOAD
FULL
PAPER
Your
contact
details
will
not
be
published.
Required
fields
are
marked
*
International
Financial
Reporting
Standards
[IFRS]
United
Kingdom,
EC1M
7AD
Did
you
recently
complete
your
BTech
degree?
Not
sure
about
what
to
do
after
it?
Globally,
engineering
as…
Read
More
Coursework
bank
maths
-
Equalities
National
Council
Introduction
Banks
are
considered
as
one
of
the
most
important
s
in
the
financial
system
of
any
economy
therefore
their
performance
also
plays
a
critical
role
in
defining
the
overall
soundness
of
the
financial
system.
In
order
to
evaluate
the
performance
a
bank,
it
is
important
that
one
must
take
into
account
a
multi-
dimensional
approach
must
be
undertaken
to
properly
evaluate
the
bank
performance.
Such
approach
therefore
will
require
that
one
must
blend
a
combination
of
approaches
such
as
financial
ratio
analysis,
economic
value
model
as
well
as
balancing
of
risk
versus
return
of
the
bank
during
analysis.
(Srinivasan,
2009).
Financial
ratio
analysis
is
considered
as
one
of
the
most
important
tools
that
are
being
used
to
evaluate
the
performance
of
any
bank.
It
is
important
to
note
that
the
financial
ratios
for
a
bank
are
slightly
different
as
compared
to
the
typical
ratio
analysis
for
any
manufacturing
firm.
Due
to
this
basic
difference,
there
are
some
additional
ratios
that
are
being
computed
for
evaluating
the
basic
performance
of
a
bank.
These
ratios
include
net
profit
margin,
provision
for
loan
losses,
loans
to
assets,
capital
adequacy
etc
which
are
computed
in
order
to
provide
a
deeper
insight
into
the
overall
financial
performance
of
any
bank.
This
paper
will
discuss
as
to
how
the
performance
of
a
bank
is
evaluated
and
what
are
some
of
the
tools
including
financial
ratio
analysis
which
can
be
used
to
effectively
evaluate
the
performance
of
the
bank
and
the
type
of
data
required
to
make
such
an
analysis.
Financial
Ratio
Analysis-
FRA
Financial
Ratio
analysis
is
one
of
the
leading
tools
that
are
being
used
to
evaluate
the
performance
of
a
bank.
These
are
common
sets
of
financial
ratios
that
are
used
to
compute
various
financial
indicators
and
by
making
either
trend
analysis
or
industry
comparison,
the
overall
performance
of
the
bank
can
be
evaluated.
These
ratios
are:
Return
on
Assets
Return
on
assets
is
computed
by
dividing
the
net
income
earned
by
the
Bank
with
its
total
assets.
This
is
an
important
ratio
because
it
informs
us
about
the
overall
efficiency
of
the
bank’s
assets
i.e.
how
the
total
assets
of
the
bank
are
used
by
the
management
in
producing
the
desired
results
for
its
shareholders.
Return
on
assets
is
also
considered
important
ratio
because
it
can
be
a
better
judge
of
the
overall
efficiency
of
the
bank’s
management
i.e.
if
return
on
assets
is
low
it
can
indicate
that
the
overall
management
efficiency
in
utilizing
the
assets
of
the
firm
is
not
entirely
up
to
the
satisfaction
and
management
shall
improve
its
practices
and
internal
control
environment
to
improve
upon
the
overall
efficiency
in
managing
the
assets
of
the
firm.
Return
on
equity
Return
on
equity
is
computed
by
dividing
the
net
income
earned
by
the
bank
with
its
total
equity.
ROE
is
an
important
ratio
because
it
indicates
as
to
how
much
has
been
earned
for
shareholders
of
the
firm.
This
ratio
can
further
be
de-
composed
into
different
other
ratios
to
gain
further
insight
into
what
actually
derive
the
value
for
the
shareholders
of
the
firm.
(Isberg,
1998).
Du-
Pont
Analysis
is
a
technique
which
is
used
to
further
decompose
this
ratio
into
following
ratios:
ROE
=
Net
Income/
Sales
x
Asset/
Equity
x
Sales/
Asset
This
indicates
that
there
are
three
major
ratios
which
can
explain
the
return
on
equity
ratio
therefore
analysts
can
get
a
deeper
insight
into
what
are
the
major
contributors
for
increase
in
return
on
equity.
For
example,
among
these
three
ratios,
assets/
equity
can
be
a
better
indicators
of
the
return
on
equity
or
net
profit
margin
can
further
explain
the
improvement
or
decrease
in
the
return
on
equity
ratio.
Du-
Pont
Analysis
therefore
increases
the
overall
sophistication
of
the
ratio
analysis
by
providing
different
specific
measures
which
can
be
highlighted
as
the
main
contributors
of
generating
the
returns
for
the
shareholders
of
the
firm.
Net
Interest
Margin
This
ratio
is
computed
by
dividing
the
net
interest
income
earned
by
the
bank
with
the
total
earning
assets
of
the
firm.
This
ratio
is
considered
as
an
important
measure
comparing
the
overall
investment
decisions
of
the
bank
as
compared
to
its
overall
debt
situation.
(Goldman,
2009)
This
ratio
is
important
because
it
defines
the
overall
profitability
of
the
operations
of
the
firm
i.e.
how
much
interest
income
has
been
earned
by
the
bank
during
the
year.
Net
interest
margin
is
also
critical
because
of
the
fact
that
it
indicates
as
to
how
the
bank
is
performing
in
earning
interest
i.e.
bank
has
two
sources
of
income
including
interest
income
as
well
as
non-
interest
income
however,
interest
income
is
considered
as
the
most
important
component
of
the
total
income
of
the
bank
because
it
is
obtained
from
the
core
operations
of
the
bank.
Loans
to
Assets
Loans
to
Assets
ratio
is
computed
by
dividing
the
total
outstanding
loans
with
the
total
assets
of
the
firm.
Management
of
loans
to
assets
ratio
is
important
because
it
defines
the
overall
strategy
of
the
bank
i.e.
whether
the
bank
is
pursuing
an
aggressive
strategy
of
lending
or
whether
it
has
adapted
a
more conservative strategy. If this ratio is higher that means that most of the bank’s assets have been
loaned and the bank may face strong liquidity crises. (Rojas-Suárez & Weisbrod, 1995) However,
lower ratio can also be critical because it can potentially undermine the true potential of the bank’s
assets
to
earn. Thus the management of this ratio plays a critical role in the management of overall liquidity
position of bank as well as defines its lending strategy. Bank’s management has to strike a balance in
maintain a healthy and balanced ratio so that adverse impacts of the market can be easily discounted.
Balanced loans to asset ratio also allow banks to perform better during bad times because it will not
allow banks to further lend during such periods but also a balanced ratio provides a cushion against
potential losses that may be incurred during bad economic situation. (http:
/
/
www.calculatedriskblog.com, 2009). Provisions for Loans Losses Provisions for loans losses are
other
important
indicators
of
measuring and assessing the performance of a bank. It reflects the overall reserves as well as charge
offs created against the total assets of the firm in order to accommodate the natural accretion of non-
performing
assets
of
the
bank.
Higher the provision, greater is the probability that the overall assets of the bank are not performing
as
well
as
profitability
of
the
bank
will
reduce. Provisions for loans losses are often analyzed by computing two ratios i.e. reserves/total
assets
& charge off/ total assets. Higher the ratio of charge-off/total assets, the greater will be the total
provisions and lesser will be the profitability of the bank. (Joyce, 2001). Capital Adequacy Capital
Adequacy is one of the important indicators of the overall riskiness of the firm i.e. capital adequacy
ratio
defines
the
extent to which the capital of the bank is covered through the risk weighted assets of the bank. This
ratio
is
calculated by dividing the capital of the firm with the total risk weighted assets of the firm.
(McKiernan & Salmon, 2008) The above ratios are considered as the most important fundamental
indicators
of
the
bank
performance
however,
there
are
other
more important and critical methods of evaluating the performance of the bank such as economic
value
analysis
which
provides a more comprehensive indication of the overall performance of the bank. The above
financial
ratios
can
be
integrated into the economic value analysis so as to provide a more comprehensive set of data to
perform further analysis. The above ratios can also be used to perform the fundamental analysis of
the
bank
for
assessing the fair market value of the firm for the purpose of purchasing or selling the stocks of the
particular bank. Conclusion The above discussion indicates that in order to evaluate the performance
of
a
bank,
it
is
important
that
a
multiple tools shall be used to evaluate such performance. Financial ratios such as loans to assets,
loans
losses provision as well as capital adequacy are some of the ratios which can provide a deeper
insight
into
the
overall
riskiness of the bank whereas ratios like return on equity, return on assets as well as net profit margin
are
better
indicators
of
the
overall
profitability
as
well
as
performance
of
the
bank.
It
is
critical
to
note
that
other
analysis
models such as economic value analysis can also provide a better understanding of the true
performance
of
a
bank
as
well
as
its
correct intrinsic value. Though financial ratios can provide a better insight into a company’s
performance
however,
ratio
analysis
is
retrospective in nature therefore past performance of the firm cannot be taken as an indicator of the
future performance of the firm. (http://www.financialmodelingguide.com, 2009). Apart from that,
financial
ratios
do
not
account
for
the
activities which are off-balance sheet therefore to consider financial ratio analysis as a
comprehensive tool for assessing the performance of the firm may not be entirely true as it did not
provide
complete
insight
into
the
performance.
Bibliography 1. Goldman, D. (2009, Feburary 09). Net Interest Margin: the key to bank recovery.
Retrieved October 31, 2009, from Asia Times: http:
/
/
blog.atimes.net/?p=569 2. http://www.calculatedriskblog.com. (2009, September 26). Banks:
Troubled Asset Ratio . Retrieved November 02, 2009, from http:
/
/
www.calculatedriskblog.com: http://www.calculatedriskblog.com/2009/09/banks-troubled-asset-
ratio.html 3. http://www.financialmodelingguide.com. (2009). Limitations of Financial Ratio
Analysis. Retrieved October 31, 2009, from http:
/
/
www.financialmodelingguide.com: http://www.financialmodelingguide.com/financial-ratios
/
financial-ratio-limitations/ 4. Isberg, S. C. (1998). Financial analysis with the DuPont ratio: A useful
compass. Retrieved October 31, 2009, from findarticles.com: http:
/
/
findarticles.com/p/articles/mi_qa3857/is_199804/ai_n8799612/ 5. Joyce, W. B. (2001). A signaling
approach
to
the
provision
for
loan
losses. Retrieved October 30, 2009, from findarticles.com: http:
/
/
findarticles.com/p/articles/mi_qa3682/is_200101/ai_n8943648/ 6. McKiernan, S., & Salmon, J.
(2008). Basel II: an introduction to the new Capital Adequacy Rules. Retrieved November 02, 2009,
from
out-law.com: http://www.out-law.com/page-7096 7. Rojas-Suárez, L., & Weisbrod, S. R. (1995).
Financial
fragilities in Latin America: the 1980s and 1990s. New York: International Monetary Fund. 8.
Srinivasan, D. (2009, September). Performance measurement of Banks -NPA analysis & credentials
of
Parameters. Retrieved October 31, 2009, from www.articlebase.com: http:
/
/
www.articlesbase.com/banking-articles/performance-measurement-of-banks-npa-analysis-credentials-
of-parameters-1277414.html Read More TERMS & CONDITIONS PRIVACY POLICY COOKIES
POLICY Get notified about the latest career insights, study tips, and offers at Leverage Edu.
Coursework
bank
info
-
Zirkzee-groep Chartered Financial Analyst [CFA Course] Plot number, 1- C, Raipur Khadar, Sector
126, Noida, Uttar Pradesh 201313 Australia Devonshire House, 60 Goswell Road, Leverage Edu
Tower, 11. CC3002 2013 Coursework Assignment: Case Study Page 9 13. Staff issues Rumours have
been
circulating within the BOs and ROs about possible redundancies following the introduction of
MyBank. These rumours have been denied by senior management during steering committee
meetings. The aim is to streamline procurement and inventory management, but the managing
director has clearly stated that this is with a view to expansion rather than seeking to reduce the
number of staff. There would also appear to be some anxiety about MyBank in the BOs. Branch
managers are concerned that the new system will bring about a loss of independence and flexibility,
while staffs are worried about being able to get used to the new “complicated looking” tills. 14.
Support
issues The Country Bank ISST department does not operate a formal help desk. While ISST staffs
have been providing PC, network and other IS support, this has been arranged by informal telephone
requests to ISST and local support staff. As part of the scope of the MyBank project, a new ISST
Help Desk function within the ISST department is required. The purpose of this help desk will be to
provide
support
for
all Country Bank's IT systems, in addition to the MyBank system. Help desk staff will be recruited
internally in the first instance, i.e. from existing Development PC and network support teams, or any
other
appropriate Country Bank staff. The role of MyBank project manager includes taking on the role of
the
help desk manager for an initial one-year period once the installation of the MyBank system is
complete. Recruitment of new staff from external sources will be considered in a year's time, but this
is
outside the scope of these reports. - End of Case Study - Dissemination of loans is a revenue-
generating
arm of any banking institution. Consequently, analysis and vetting of loan applications and matching
it
with
the
company’s regulations is important which is overseen by the loan officer. Individuals may look
toward finance-oriented Banking courses to start a career as a loan officer.
Essay
bank
-
English
Language
and
Applied
Linguistics
-
University
of
Copyright(c)1999
FC2,
Inc.
All
Rights
Reserved.
Introduction
Banks
are
considered
as
one
of
the
most
important
s
in
the
financial
system
of
any
economy
therefore
their
performance
also
plays
a
critical
role
in
defining
the
overall
soundness
of
the
financial
system.
In
order
to
evaluate
the
performance
a
bank,
it
is
important
that
one
must
take
into
account
a
multi-
dimensional
approach
must
be
undertaken
to
properly
evaluate
the
bank
performance.
Such
approach
therefore
will
require
that
one
must
blend
a
combination
of
approaches
such
as
financial
ratio
analysis,
economic
value
model
as
well
as
balancing
of
risk
versus
return
of
the
bank
during
analysis.
(Srinivasan,
2009).
Financial
ratio
analysis
is
considered
as
one
of
the
most
important
tools
that
are
being
used
to
evaluate
the
performance
of
any
bank.
It
is
important
to
note
that
the
financial
ratios
for
a
bank
are
slightly
different
as
compared
to
the
typical
ratio
analysis
for
any
manufacturing
firm.
Due
to
this
basic
difference,
there
are
some
additional
ratios
that
are
being
computed
for
evaluating
the
basic
performance
of
a
bank.
These
ratios
include
net
profit
margin,
provision
for
loan
losses,
loans
to
assets,
capital
adequacy
etc
which
are
computed
in
order
to
provide
a
deeper
insight
into
the
overall
financial
performance
of
any
bank.
This
paper
will
discuss
as
to
how
the
performance
of
a
bank
is
evaluated
and
what
are
some
of
the
tools
including
financial
ratio
analysis
which
can
be
used
to
effectively
evaluate
the
performance
of
the
bank
and
the
type
of
data
required
to
make
such
an
analysis.
Financial
Ratio
Analysis-
FRA
Financial
Ratio
analysis
is
one
of
the
leading
tools
that
are
being
used
to
evaluate
the
performance
of
a
bank.
These
are
common
sets
of
financial
ratios
that
are
used
to
compute
various
financial
indicators
and
by
making
either
trend
analysis
or
industry
comparison,
the
overall
performance
of
the
bank
can
be
evaluated.
These
ratios
are:
Return
on
Assets
Return
on
assets
is
computed
by
dividing
the
net
income
earned
by
the
Bank
with
its
total
assets.
This
is
an
important
ratio
because
it
informs
us
about
the
overall
efficiency
of
the
bank’s
assets
i.e.
how
the
total
assets
of
the
bank
are
used
by
the
management
in
producing
the
desired
results
for
its
shareholders.
Return
on
assets
is
also
considered
important
ratio
because
it
can
be
a
better
judge
of
the
overall
efficiency
of
the
bank’s
management
i.e.
if
return
on
assets
is
low
it
can
indicate
that
the
overall
management
efficiency
in
utilizing
the
assets
of
the
firm
is
not
entirely
up
to
the
satisfaction
and
management
shall
improve
its
practices
and
internal
control
environment
to
improve
upon
the
overall
efficiency
in
managing
the
assets
of
the
firm.
Return
on
equity
Return
on
equity
is
computed
by
dividing
the
net
income
earned
by
the
bank
with
its
total
equity.
ROE
is
an
important
ratio
because
it
indicates
as
to
how
much
has
been
earned
for
shareholders
of
the
firm.
This
ratio
can
further
be
de-
composed
into
different
other
ratios
to
gain
further
insight
into
what
actually
derive
the
value
for
the
shareholders
of
the
firm.
(Isberg,
1998).
Du-
Pont
Analysis
is
a
technique
which
is
used
to
further
decompose
this
ratio
into
following
ratios:
ROE
=
Net
Income/
Sales
x
Asset/
Equity
x
Sales/
Asset
This
indicates
that
there
are
three
major
ratios
which
can
explain
the
return
on
equity
ratio
therefore
analysts
can
get
a
deeper
insight
into
what
are
the
major
contributors
for
increase
in
return
on
equity.
For
example,
among
these
three
ratios,
assets/
equity
can
be
a
better
indicators
of
the
return
on
equity
or
net
profit
margin
can
further
explain
the
improvement
or
decrease
in
the
return
on
equity
ratio.
Du-
Pont
Analysis
therefore
increases
the
overall
sophistication
of
the
ratio
analysis
by
providing
different
specific
measures
which
can
be
highlighted
as
the
main
contributors
of
generating
the
returns
for
the
shareholders
of
the
firm.
Net
Interest
Margin
This
ratio
is
computed
by
dividing
the
net
interest
income
earned
by
the
bank
with
the
total
earning
assets
of
the
firm.
This
ratio
is
considered
as
an
important
measure
comparing
the
overall
investment
decisions
of
the
bank
as
compared
to
its
overall
debt
situation.
(Goldman,
2009)
This
ratio
is
important
because
it
defines
the
overall
profitability
of
the
operations
of
the
firm
i.e.
how
much
interest
income
has
been
earned
by
the
bank
during
the
year.
Net
interest
margin
is
also
critical
because
of
the
fact
that
it
indicates
as
to
how
the
bank
is
performing
in
earning
interest
i.e.
bank
has
two
sources
of
income
including
interest
income
as
well
as
non-
interest
income
however,
interest
income
is
considered
as
the
most
important
component
of
the
total
income
of
the
bank
because
it
is
obtained
from
the
core
operations
of
the
bank.
Loans
to
Assets
Loans
to
Assets
ratio
is
computed
by
dividing
the
total
outstanding
loans
with
the
total
assets
of
the
firm.
Management
of
loans
to
assets
ratio
is
important
because
it
defines
the
overall
strategy
of
the
bank
i.e.
whether
the
bank
is
pursuing
an
aggressive
strategy
of
lending
or
whether
it
has
adapted
a
more
conservative
strategy.
If
this
ratio
is
higher
that
means
that
most
of
the
bank’s
assets
have
been
loaned
and
the
bank
may
face
strong
liquidity
crises.
(Rojas-
Suárez
&
Weisbrod,
1995)
However,
lower
ratio
can
also
be
critical
because
it
can
potentially
undermine
the
true
potential
of
the
bank’s
assets
to
earn.
Thus
the
management
of
this
ratio
plays
a
critical
role
in
the
management
of
overall
liquidity
position
of
bank
as
well
as
defines
its
lending
strategy.
Bank’s
management
has
to
strike
a
balance
in
maintain
a
healthy
and
balanced
ratio
so
that
adverse
impacts
of
the
market
can
be
easily
discounted.
Balanced
loans
to
asset
ratio
also
allow
banks
to
perform
better
during
bad
times
because
it
will
not
allow
banks
to
further
lend
during
such
periods
but
also
a
balanced
ratio
provides
a
cushion
against
potential
losses
that
may
be
incurred
during
bad
economic
situation.
(http:/
/
www.calculatedriskblog.com,
2009).
Provisions
for
Loans
Losses
Provisions
for
loans
losses
are
other
important
indicators
of
measuring
and
assessing
the
performance
of
a
bank.
It
reflects
the
overall
reserves
as
well
as
charge
offs
created
against
the
total
assets
of
the
firm
in
order
to
accommodate
the
natural
accretion
of
non-
performing
assets
of
the
bank.
Higher
the
provision,
greater
is
the
probability
that
the
overall
assets
of
the
bank
are
not
performing
as
well
as
profitability
of
the
bank
will
reduce.
Provisions
for
loans
losses
are
often
analyzed
by
computing
two
ratios
i.e.
reserves/
total
assets
&
charge
off/
total
assets.
Higher
the
ratio
of
charge-
off/
total
assets,
the
greater
will
be
the
total
provisions
and
lesser will be the profitability of the bank. (Joyce, 2001). Capital Adequacy Capital Adequacy is one
of
the
important
indicators
of
the
overall
riskiness of the firm i.e. capital adequacy ratio defines the extent to which the capital of the bank is
covered through the risk weighted assets of the bank. This ratio is calculated by dividing the capital
of
the
firm
with
the
total
risk
weighted assets of the firm. (McKiernan & Salmon, 2008) The above ratios are considered as the
most
important
fundamental indicators of the bank performance however, there are other more important and critical
methods of evaluating the performance of the bank such as economic value analysis which provides
a
more
comprehensive indication of the overall performance of the bank. The above financial ratios can be
integrated into the economic value analysis so as to provide a more comprehensive set of data to
perform
further
analysis.
The above ratios can also be used to perform the fundamental analysis of the bank for assessing the
fair market value of the firm for the purpose of purchasing or selling the stocks of the particular
bank.
Conclusion The above discussion indicates that in order to evaluate the performance of a bank, it is
important
that
a
multiple tools shall be used to evaluate such performance. Financial ratios such as loans to assets,
loans
losses
provision
as
well
as
capital
adequacy
are
some
of
the
ratios
which
can
provide
a
deeper
insight
into
the
overall
riskiness of the bank whereas ratios like return on equity, return on assets as well as net profit margin
are
better
indicators
of
the
overall
profitability
as
well
as
performance
of
the
bank.
It
is
critical
to
note
that
other
analysis
models such as economic value analysis can also provide a better understanding of the true
performance
of
a
bank
as
well
as
its
correct intrinsic value. Though financial ratios can provide a better insight into a company’s
performance
however,
ratio
analysis
is
retrospective in nature therefore past performance of the firm cannot be taken as an indicator of the
future performance of the firm. (http://www.financialmodelingguide.com, 2009). Apart from that,
financial
ratios
do not account for the activities which are off-balance sheet therefore to consider financial ratio
analysis
as
a
comprehensive tool for assessing the performance of the firm may not be entirely true as it did not
provide
complete insight into the performance. Bibliography 1. Goldman, D. (2009, Feburary 09). Net
Interest
Margin: the key to bank recovery. Retrieved October 31, 2009, from Asia Times: http:
/
/
blog.atimes.net/?p=569 2. http://www.calculatedriskblog.com. (2009, September 26). Banks:
Troubled Asset Ratio . Retrieved November 02, 2009, from http:
/
/
www.calculatedriskblog.com: http://www.calculatedriskblog.com/2009/09/banks-troubled-asset-
ratio.html 3. http://www.financialmodelingguide.com. (2009). Limitations of Financial Ratio
Analysis. Retrieved October 31, 2009, from http:
/
/
www.financialmodelingguide.com: http://www.financialmodelingguide.com/financial-ratios
/
financial-ratio-limitations/ 4. Isberg, S. C. (1998). Financial analysis with the DuPont ratio: A useful
compass. Retrieved October 31, 2009, from findarticles.com: http:
/
/
findarticles.com/p/articles/mi_qa3857/is_199804/ai_n8799612/ 5. Joyce, W. B. (2001). A signaling
approach
to
the
provision
for
loan
losses. Retrieved October 30, 2009, from findarticles.com: http:
/
/
findarticles.com/p/articles/mi_qa3682/is_200101/ai_n8943648/ 6. McKiernan, S., & Salmon, J.
(2008). Basel II: an introduction to the new Capital Adequacy Rules. Retrieved November 02, 2009,
from
out-law.com: http://www.out-law.com/page-7096 7. Rojas-Suárez, L., & Weisbrod, S. R. (1995).
Financial
fragilities in Latin America: the 1980s and 1990s. New York: International Monetary Fund. 8.
Srinivasan, D. (2009, September). Performance measurement of Banks -NPA analysis & credentials
of
Parameters. Retrieved October 31, 2009, from www.articlebase.com: http:
/
/
www.articlesbase.com/banking-articles/performance-measurement-of-banks-npa-analysis-credentials-
of-parameters-1277414.html Read More New Essays Let us write or edit the coursework on your
topic "Bank Performance Evaluation" with a personal 25,000+ students realised their study abroad
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FC2ホームページのトップページへ戻る Before discussing the career avenues, it is important to throw
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Download our apps to start learning
Tasks
of
budgeting
involve
creation
of
proper
period-
based
planning
to
optimally
utilise
allocated
funds
of
a
company.
Largely,
banking
analysts
work
on
determining
which
spending
plans
are
in
line
with
company
objectives,
how
to
minimise
waste
of
resources
and
forecasting
as
well.
Banking
courses
at
master’s
level
can
equip
you
with
the
knowledge
of
handling
optimisation
of
financial
resources
and
facilitating
careful
planning
for
funds
in
financial
organisations.
Leverage
Edu
Quiz
was
cancelled/
rescheduled
by
the
Educator
ページが表
示
されない原
因
として、次
のような可
能
性
があります。
FAQ
Note:
This
is
not
an
exhaustive
list
and
there
are
many
more
certifications/
qualifications
available.
4.
CC3002
2013
Coursework
Assignment:
Case
Study
Page
2
Regional
Office
Location
Branch
Manager
Branch
Offices
Monitored
Kathmandu
Yubraj
Subedi
12
branch
offices
(including
5
using
existing
Accounting
packages)
Biratnagar
Bikash
Shah
17
branch
offices
(including
7
using
existing
Accounting
packages)
Pokhara
Chandra
Gurung
15
branch
offices
(including
8
using
existing
Accounting
packages)
Nepalgunj
Suman
Kishore
14
branch
offices
(including
6
using
existing
Accounting
packages)
Dhangadhi
Amrit
Bhatta
13
branch
offices
(including
4
using
existing
Accounting
packages)
4.
Existing
IT
systems
Country
Bank’s
technology
infrastructure
has
grown
organically
and
the
Branch
Offices
use
a
range
of
different
systems
depending
on
their
size
and
how/
when
they
were
acquired.
Currently,
30
retail
outlets
use
off-
the-
shelf
Accounting
packages,
but
the
rest
of
the
retail
outlets
use
a
mixture
of
manual
and
computer-
based
processes
to
keep
track
of
deposit
and
withdraw
amount
by
customers.
Two
years
ago,
Country
Bank
came
up
with
requirement
to
develop
single
software
that
would
operate
on
Client-
Server
Architecture
and
would
consolidate
all
the
transactions
occurred
in
Branch
and
Regional
Offices.
The
Consolidates,
Regional
as
well
as
Branch
report
would
be
visible
from
MIS
software.
The
Consolidates
as
well
as
Individual
branch
reports
would
be
visible
to
the
Regional
Office
of
that
Region,
while
Branch
Office
would
be
able
to
operate
Transaction
System
of
the
Software.
The
Branch
Office
would
also
be
able
to
see
the
Client
Details
of
that
particular
Branch.
The
old
software
is
named
AccPro
(Accounting
Package)
and
new
system
is
named
MyBank.
5.
ISST
department
AccPro
was
developed
using
Oracle
by
an
in-
house
ISST
Development
team
recruited
specifically
for
the
project.
Most
of
the
Development
teams
have
remained
at
the
company
and
now
report
to
the
ISST
Manager,
Surya
Rana.
Over
the
last
two
years,
they
have
conducted
ad
hoc
maintenance
of
AccPro
and
other
systems,
including
accounting
and
personnel
systems
at
the
Kathmandu
Corporate
Office
(see
Support
Issues
section).
The
ISST
Development
team
includes:

2
project
managers
(including
you)

2
system
/
database
administrators

3
business
analysts

8
Oracle
developers
The
ISST
department
also
has
a
PC
support
team
(3
staff
at
CO,
5
at
the
ROs),
supporting
the
installation
and
use
of
PCs
and
standard
office
software,
and
a
Network
support
team
(3
staff
at
CO).
Association
of
Chartered
Certified
Accountants
[ACCA]
A-
258,
Bhishma
Pitamah
Marg,
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the
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of
banks....
Since
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which
can
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The
job
of
a
Financial
Accountant
includes
creation
and
management
of
financial
statements,
overseeing
adherence
to
financial
standards,
debt-
equity
ratios
and
much
more.
Furthermore,
senior
accountants
help
the
management
in
taking
decisions
of
setting
up
and
alteration
of
financial
goals
and
metrics
and
measure
the
company’s
historical
performance
as
well.
A
degree
in
Business
with
a
focus
on
Accounting
is
a
major
requirement.
Moreover,
you
can
also
pursue
Banking
courses
or
opt
for
the
CA
qualification
to
apply
for
this
profile.
Introduction
Banks
are
considered
as
one
of
the
most
important
s
in
the
financial
system
of
any
economy
therefore
their
performance
also
plays
a
critical
role
in
defining
the
overall
soundness
of
the
financial
system.
In
order
to
evaluate
the
performance
a
bank,
it
is
important
that
one
must
take
into
account
a
multi-
dimensional
approach
must
be
undertaken
to
properly
evaluate
the
bank
performance.
Such
approach
therefore
will
require
that
one
must
blend
a
combination
of
approaches
such
as
financial
ratio
analysis,
economic
value
model
as
well
as
balancing
of
risk
versus
return
of
the
bank
during
analysis.
(Srinivasan,
2009).
Financial
ratio
analysis
is
considered
as
one
of
the
most
important
tools
that
are
being
used
to
evaluate
the
performance
of
any
bank.
It
is
important
to
note
that
the
financial
ratios
for
a
bank
are
slightly
different
as
compared
to
the
typical
ratio
analysis
for
any
manufacturing
firm.
Due
to
this
basic
difference,
there
are
some
additional
ratios
that
are
being
computed
for
evaluating
the
basic
performance
of
a
bank.
These
ratios
include
net
profit
margin,
provision
for
loan
losses,
loans
to
assets,
capital
adequacy
etc
which
are
computed
in
order
to
provide
a
deeper
insight
into
the
overall
financial
performance
of
any
bank.
This
paper
will
discuss
as
to
how
the
performance
of
a
bank
is
evaluated
and
what
are
some
of
the
tools
including
financial
ratio
analysis
which
can
be
used
to
effectively
evaluate
the
performance
of
the
bank
and
the
type
of
data
required
to
make
such
an
analysis.
Financial
Ratio
Analysis-
FRA
Financial
Ratio
analysis
is
one
of
the
leading
tools
that
are
being
used
to
evaluate
the
performance
of
a
bank.
These
are
common
sets
of
financial
ratios
that
are
used
to
compute
various
financial
indicators
and
by
making
either
trend
analysis
or
industry
comparison,
the
overall
performance
of
the
bank
can
be
evaluated.
These
ratios
are:
Return
on
Assets
Return
on
assets
is
computed
by
dividing
the
net
income
earned
by
the
Bank
with
its
total
assets.
This
is
an
important
ratio
because
it
informs
us
about
the
overall
efficiency
of
the
bank’s
assets
i.e.
how
the
total
assets
of
the
bank
are
used
by
the
management
in
producing
the
desired
results
for
its
shareholders.
Return
on
assets
is
also
considered
important
ratio
because
it
can
be
a
better
judge
of
the
overall
efficiency
of
the
bank’s
management
i.e.
if
return
on
assets
is
low
it
can
indicate
that
the
overall
management
efficiency
in
utilizing
the
assets
of
the
firm
is
not
entirely
up
to
the
satisfaction
and
management
shall
improve
its
practices
and
internal
control
environment
to
improve
upon
the
overall
efficiency
in
managing
the
assets
of
the
firm.
Return
on
equity
Return
on
equity
is
computed
by
dividing
the
net
income
earned
by
the
bank
with
its
total
equity.
ROE
is
an
important
ratio
because
it
indicates
as
to
how
much
has
been
earned
for
shareholders
of
the
firm.
This
ratio
can
further
be
de-
composed
into
different
other
ratios
to
gain
further
insight
into
what
actually
derive
the
value
for
the
shareholders
of
the
firm.
(Isberg,
1998).
Du-
Pont
Analysis
is
a
technique
which
is
used
to
further
decompose
this
ratio
into
following
ratios:
ROE
= Net Income/ Sales x Asset/Equity x Sales/ Asset This indicates that there are three major ratios
which
can
explain the return on equity ratio therefore analysts can get a deeper insight into what are the major
contributors for increase in return on equity. For example, among these three ratios, assets/equity can
be
a
better
indicators
of
the
return
on
equity
or
net
profit
margin can further explain the improvement or decrease in the return on equity ratio. Du-Pont
Analysis
therefore
increases the overall sophistication of the ratio analysis by providing different specific measures
which
can
be
highlighted as the main contributors of generating the returns for the shareholders of the firm. Net
Interest Margin This ratio is computed by dividing the net interest income earned by the bank with
the
total
earning assets of the firm. This ratio is considered as an important measure comparing the overall
investment decisions of the bank as compared to its overall debt situation. (Goldman, 2009) This
ratio
is
important
because
it
defines the overall profitability of the operations of the firm i.e. how much interest income has been
earned
by
the
bank
during
the
year. Net interest margin is also critical because of the fact that it indicates as to how the bank is
performing in earning interest i.e. bank has two sources of income including interest income as well
as
non-interest income however, interest income is considered as the most important component of the
total
income
of
the
bank
because
it
is
obtained from the core operations of the bank. Loans to Assets Loans to Assets ratio is computed by
dividing
the
total
outstanding loans with the total assets of the firm. Management of loans to assets ratio is important
because
it
defines the overall strategy of the bank i.e. whether the bank is pursuing an aggressive strategy of
lending or whether it has adapted a more conservative strategy. If this ratio is higher that means that
most
of
the
bank’s
assets
have
been
loaned and the bank may face strong liquidity crises. (Rojas-Suárez & Weisbrod, 1995) However,
lower ratio can also be critical because it can potentially undermine the true potential of the bank’s
assets
to
earn. Thus the management of this ratio plays a critical role in the management of overall liquidity
position of bank as well as defines its lending strategy. Bank’s management has to strike a balance in
maintain a healthy and balanced ratio so that adverse impacts of the market can be easily discounted.
Balanced loans to asset ratio also allow banks to perform better during bad times because it will not
allow banks to further lend during such periods but also a balanced ratio provides a cushion against
potential losses that may be incurred during bad economic situation. (http:
/
/
www.calculatedriskblog.com, 2009). Provisions for Loans Losses Provisions for loans losses are
other
important
indicators
of
measuring and assessing the performance of a bank. It reflects the overall reserves as well as charge
offs created against the total assets of the firm in order to accommodate the natural accretion of non-
performing assets of the bank. Higher the provision, greater is the probability that the overall assets
of
the
bank
are
not
performing as well as profitability of the bank will reduce. Provisions for loans losses are often
analyzed by computing two ratios i.e. reserves/total assets & charge off/ total assets. Higher the ratio
of
charge-off/total assets, the greater will be the total provisions and lesser will be the profitability of
the
bank.
(Joyce, 2001). Capital Adequacy Capital Adequacy is one of the important indicators of the overall
riskiness of the firm i.e. capital adequacy ratio defines the extent to which the capital of the bank is
covered through the risk weighted assets of the bank. This ratio is calculated by dividing the capital
of
the
firm
with
the
total
risk
weighted assets of the firm. (McKiernan & Salmon, 2008) The above ratios are considered as the
most
important
fundamental indicators of the bank performance however, there are other more important and critical
methods of evaluating the performance of the bank such as economic value analysis which provides
a
more
comprehensive indication of the overall performance of the bank. The above financial ratios can be
integrated into the economic value analysis so as to provide a more comprehensive set of data to
perform further analysis. The above ratios can also be used to perform the fundamental analysis of
the
bank
for
assessing the fair market value of the firm for the purpose of purchasing or selling the stocks of the
particular
bank.
Conclusion The above discussion indicates that in order to evaluate the performance of a bank, it is
important
that
a
multiple tools shall be used to evaluate such performance. Financial ratios such as loans to assets,
loans
losses provision as well as capital adequacy are some of the ratios which can provide a deeper
insight
into
the
overall
riskiness of the bank whereas ratios like return on equity, return on assets as well as net profit margin
are
better
indicators
of
the
overall
profitability as well as performance of the bank. It is critical to note that other analysis models such
as
economic
value
analysis
can
also
provide
a
better
understanding of the true performance of a bank as well as its correct intrinsic value. Though
financial
ratios
can
provide
a
better
insight
into
a
company’s
performance
however, ratio analysis is retrospective in nature therefore past performance of the firm cannot be
taken as an indicator of the future performance of the firm. (http:
/
/
www.financialmodelingguide.com, 2009). Apart from that, financial ratios do not account for the
activities which are off-balance sheet therefore to consider financial ratio analysis as a
comprehensive tool for assessing the performance of the firm may not be entirely true as it did not
provide
complete
insight
into
the
performance.
Bibliography 1. Goldman, D. (2009, Feburary 09). Net Interest Margin: the key to bank recovery.
Retrieved October 31, 2009, from Asia Times: http:
/
/
blog.atimes.net/?p=569 2. http://www.calculatedriskblog.com. (2009, September 26). Banks:
Troubled Asset Ratio . Retrieved November 02, 2009, from http:
/
/
www.calculatedriskblog.com: http://www.calculatedriskblog.com/2009/09/banks-troubled-asset-
ratio.html 3. http://www.financialmodelingguide.com. (2009). Limitations of Financial Ratio
Analysis. Retrieved October 31, 2009, from http:
/
/
www.financialmodelingguide.com: http://www.financialmodelingguide.com/financial-ratios
/
financial-ratio-limitations/ 4. Isberg, S. C. (1998). Financial analysis with the DuPont ratio: A useful
compass. Retrieved October 31, 2009, from findarticles.com: http:
/
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findarticles.com/p/articles/mi_qa3857/is_199804/ai_n8799612/ 5. Joyce, W. B. (2001). A signaling
approach
to
the
provision
for
loan
losses. Retrieved October 30, 2009, from findarticles.com: http:
/
/
findarticles.com/p/articles/mi_qa3682/is_200101/ai_n8943648/ 6. McKiernan, S., & Salmon, J.
(2008). Basel II: an introduction to the new Capital Adequacy Rules. Retrieved November 02, 2009,
from
out-law.com: http://www.out-law.com/page-7096 7. Rojas-Suárez, L., & Weisbrod, S. R. (1995).
Financial
fragilities in Latin America: the 1980s and 1990s. New York: International Monetary Fund. 8.
Srinivasan, D. (2009, September). Performance measurement of Banks -NPA analysis & credentials
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Parameters. Retrieved October 31, 2009, from www.articlebase.com: http:
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