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In the name of Allah Who is the most beneficent & the most merciful
In the name of Allah Who is the most beneficent & the most merciful

In the name of Allah

Who is the most beneficent

& the most merciful

LOGO
LOGO

Student Name

LOGO Student Name mc0…………… MBA Finance www.VUsolutions.com

mc0……………

LOGO Student Name mc0…………… MBA Finance www.VUsolutions.com

MBA

Introduction to MCB A bank is a financial institution which deals with money and credit.
Introduction to MCB A bank is a financial institution which deals with money and credit.

Introduction to MCB

A bank is a financial institution which deals with money and credit. It is an
A bank is a financial institution which
deals with money and credit. It is an
intermediate between two parties. A
bank is a firm that takes deposits from
household, firms and makes loans to
household and firms.
History Muslim Commercial Bank Ltd. Unfold 57- years’ growth. MCB is not an overnight success

History

History Muslim Commercial Bank Ltd. Unfold 57- years’ growth. MCB is not an overnight success story.

Muslim Commercial Bank Ltd. Unfold 57-years’

growth. MCB is not an overnight success story. The

bank started corporate life in Calcutta on July 9,

1947. After the partition of the Indo-Pak

Subcontinent, the bank moved to Dhaka from where it

commenced business in August 1948. In 1956, the

Bank transferred it Registered office to Karachi,

where the Head Office is presently located. Main

Muhammad Mansha Chairman and chief executive of

MCB

P oAuto Loan oBusiness Sarmaya oTractor finance scheme oMORTGAGE S oMCB ATM Services oMCB Mobile
P oAuto Loan oBusiness Sarmaya oTractor finance scheme oMORTGAGE S oMCB ATM Services oMCB Mobile
P oAuto Loan oBusiness Sarmaya oTractor finance scheme oMORTGAGE
P
oAuto Loan
oBusiness
Sarmaya
oTractor finance
scheme
oMORTGAGE
S oMCB ATM Services oMCB Mobile Banking oMCB Call Center
S
oMCB ATM
Services
oMCB Mobile
Banking
oMCB Call
Center
D oBasic Banking Account (BBA) oCurrent Account oSaving Account oBusiness Account
D
oBasic Banking
Account (BBA)
oCurrent Account
oSaving Account
oBusiness
Account
Allied Bank Limited Add Your United Bank Limited Title Askari Bank Limited
Allied Bank Limited
Add Your
United Bank Limited
Title
Askari Bank Limited
Description 2007 2008 2009 Authorize capital Deposits Advances Investment Borrowing Reserve
Description 2007 2008 2009 Authorize capital Deposits Advances Investment Borrowing Reserve
Description
Description
2007
2007
2008
2008
2009
2009

Authorize

capital

Deposits

Advances

Investment

Borrowing

Reserve

Profit after tax

Investment Borrowing Reserve Profit after tax 6500 6500 6500 292,098 330,274 367,604

6500

6500

6500

292,098

330,274

367,604

218,960

262,510

253,149

113,089

96,256

167,134

394,068

22,663

44,662

5,130

9,193

15,779

15,265

15,374

15,495

Organizational Hierarchy Chart President Chairman Vice president Senior Vice President Chief Financial Advisor Audit
Organizational Hierarchy Chart President Chairman Vice president Senior Vice President Chief Financial Advisor Audit

Organizational Hierarchy Chart

President Chairman Vice president Senior Vice President Chief Financial Advisor Audit Committee Regional Manager
President
Chairman
Vice president
Senior Vice President
Chief Financial Advisor
Audit Committee
Regional Manager
Branch Manager
Vice president Senior Vice President Chief Financial Advisor Audit Committee Regional Manager Branch Manager
Joining Adjoining 15-10-2010 30-11-2010
Joining Adjoining
Joining
Adjoining

15-10-2010

30-11-2010

Working Departments 1st week 2nd week 3rd week 4th week 5th week 6th week Departme

Working Departments

1st week 2nd week 3rd week 4th week 5th week 6th week
1st week
2nd week
3rd week
4th week
5th week
6th week
Departme nt
Departme
nt
week 3rd week 4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing
week 3rd week 4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing

Customer service

4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing Cash Collect External

Account

4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing Cash Collect External

Remittance

4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing Cash Collect External

Clearing

4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing Cash Collect External

Cash

4th week 5th week 6th week Departme nt Customer service Account Remittance Clearing Cash Collect External

Collect External information

Leverage Liquidity Activity Ratios Profitability Market
Leverage Liquidity Activity Ratios Profitability Market
Leverage Liquidity Activity Ratios Profitability Market
Leverage
Liquidity
Activity
Ratios
Profitability
Market
Current Ratio Ratio Analysis Current Ratio Muslim Commercial Bank Limited Current Ratio = Current
Current Ratio Ratio Analysis Current Ratio Muslim Commercial Bank Limited Current Ratio = Current

Current Ratio

Ratio

Analysis

Ratio Analysis Current Ratio Muslim Commercial Bank Limited Current Ratio = Current assets Current Liability 2007

Current

Ratio

Muslim Commercial Bank Limited

Muslim Commercial Bank Limited

Muslim Commercial Bank Limited
Current Ratio = Current assets Current Liability

Current Ratio = Current assets Current Liability

Current Ratio = Current assets Current Liability

2007

62411535/22201551

2.81

2008

67584827/31897249

2.11

2009

70824959/24020172

2.94

2.94 2.11 2.81 0 0.5 1 1.5 2 2.5 3 3.5 2007 2008 2009
2.94
2.11
2.81
0
0.5
1
1.5
2
2.5
3
3.5
2007
2008
2009
Quick Ratio (Acid Test) Muslim Commercial Bank Limited Ratio Analysis Current Ratio = Current assets-
Quick Ratio (Acid Test) Muslim Commercial Bank Limited Ratio Analysis Current Ratio = Current assets-

Quick Ratio (Acid Test)

Muslim Commercial Bank Limited

Ratio

Analysis

Current Ratio = Current assets- prepaid Expenses

Current Liability

2007

2008

2009

Quick Ratio

62411535/22201551

2.81

67584827/31897249

2.11

70824959/24020172

2.94

2.94 2.11 2.81 0 0.5 1 1.5 2 2.5 3 3.5 2007 2008 2009
2.94
2.11
2.81
0
0.5
1
1.5
2
2.5
3
3.5
2007
2008
2009

2009

2008

2007

2009 2008 2007 Working Capital Ratio Muslim Commercial Bank Limited Ratio Analysis Working Capital ratio =
2009 2008 2007 Working Capital Ratio Muslim Commercial Bank Limited Ratio Analysis Working Capital ratio =

Working Capital Ratio

Muslim Commercial Bank Limited

Ratio

Analysis

Working Capital ratio = Current Assets - Current Liability

2007

2008

2009

Working

Capital

Ratio

62411535-22201551

40209984

67584827-31897249

35687578

70824959-24020172

46804787

Working Capital Ratio

46804787 35687578 40209984

46804787

35687578

40209984

46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
46804787 35687578 40209984
Working of Current Assets   2007 2008 2009 Current Assets (Rs) (Rs) (Rs) Cash and
Working of Current Assets   2007 2008 2009 Current Assets (Rs) (Rs) (Rs) Cash and

Working of Current Assets

 

2007

2008

2009

Current Assets

(Rs)

(Rs)

(Rs)

Cash and balances with treasury banks

39683883

39,631,172

38,774,871

Balances with other banks

3807519

4,043,100

6,009,993

Landings to

1051372

4,100,079

3,000,000

financial institutions

Other assets net

17868761

19,810,476

23,040,095

Total

62411535

67584827

70824959

Working of Current Liabilities   2007 2008 2009 Current Liabilities (Rs) (Rs) (Rs) Bills
Working of Current Liabilities   2007 2008 2009 Current Liabilities (Rs) (Rs) (Rs) Bills

Working of Current Liabilities

 

2007

2008

2009

Current Liabilities

(Rs)

(Rs)

(Rs)

Bills payable

10479058

10,551,468

8,201,090

Other liability

11722493

21,345,781

15,819,082

Total

22201551

31897249

24020172

2009

2008

2007

2009 2008 2007 Debt Ratio Ratio Muslim Commercial Bank Limited Analysis Debt Ratio = Total Debt
2009 2008 2007 Debt Ratio Ratio Muslim Commercial Bank Limited Analysis Debt Ratio = Total Debt

Debt Ratio

Ratio

Muslim Commercial Bank Limited

Analysis

Debt Ratio

=

Total Debt / Total Assets

 

2007

2008

2009

Debt

355365842/410485517

385179850 /443615904

439483714/509,223,727

Ratio

0.86

0.868

0.86

Debt Ratio

0.86 0.86 0.86

0.86

0.86

0.86

0.86 0.86 0.86
0.86 0.86 0.86
0.86 0.86 0.86
0.86 0.86 0.86
0.86 0.86 0.86
0.86 0.86 0.86
0.86 0.86 0.86

0

0.2

0.4

0.6

0.8

1

Working of Total (Liability) Debt Total debt 2007 2008 2009 (Rs) (Rs) (Rs) Bills payable
Working of Total (Liability) Debt Total debt 2007 2008 2009 (Rs) (Rs) (Rs) Bills payable

Working of Total (Liability) Debt

Total debt

2007

2008

2009

(Rs)

(Rs)

(Rs)

Bills payable

10479058

10,551,468

8,201,090

Borrowing

39406831

22,663,840

44,662,088

Deposit and other account

292098066

330,181,624

367,604,711

Other liability

11722493

21,345,781

15,819,082

Deferred tax

1180162

437,137

3,196,743

liabilities net

Sub-ordinate

479232

-

-

loan

Total

355365842

385,179,850

439,483,714

Working of Total Assets Total Assets 2007 2008 2009 (Rs) (Rs) (Rs) Cash and balances
Working of Total Assets Total Assets 2007 2008 2009 (Rs) (Rs) (Rs) Cash and balances

Working of Total Assets

Total Assets

2007

2008

2009

(Rs)

(Rs)

(Rs)

Cash and balances with treasury banks

39683883

39,631,172

38,774,871

Balances with other banks

3807519

4,043,100

6,009,993

Lending to financial

1051372

4,100,079

3,000,000

institution

Investment

113089261

96,631,874

167,134,465

Advances

218960598

262,135,470

253,249,407

Other asset

17868761

19,810,476

23,040,095

operating fixed Assets

16024123

17,263,733

18,014,896

Deferred tax Assets

-

-

-

Total

410485517

443615904

509223727

2009

2008

2007

2009 2008 2007 Debt / Equity Ratio Ratio Muslim Commercial Bank Limited Analysis Debt to Equity
2009 2008 2007 Debt / Equity Ratio Ratio Muslim Commercial Bank Limited Analysis Debt to Equity

Debt / Equity Ratio

Ratio

Muslim Commercial Bank Limited

Analysis

Debt to Equity Ratio:

= Total liabilities (Debt) / Shareholder equity

2007

2008

2009

Debt /

355365842 /55119675

385179850 / 58436054

439483714 / 69740013

Equity

6.44

6.59

0.63

Ratio

Debt to Equity Ratio

0.63 6.59 6.44
0.63 6.59 6.44
0.63

0.63

0.63

6.59

6.44

6.44
0.63 6.59 6.44
0.63 6.59 6.44
0.63 6.59 6.44
0.63 6.59 6.44
0.63 6.59 6.44
0.63 6.59 6.44

0

1

2

3

4

5

6

7

Working of Shareholder Equity Share Holder Equity = Total Assets – Total Liabilities

Working of Shareholder Equity

Share Holder Equity

Working of Shareholder Equity Share Holder Equity = Total Assets – Total Liabilities

= Total Assets Total Liabilities

Times Interest Earned Muslim Commercial Bank Limited Ratio Analysis Time Interest Earned Ratio = (EBIT)
Times Interest Earned Muslim Commercial Bank Limited Ratio Analysis Time Interest Earned Ratio = (EBIT)

Times Interest Earned

Muslim Commercial Bank Limited

Ratio

Analysis

Time Interest Earned Ratio = (EBIT) / Interest expenses

2007

2008

2009

Time

Interest

Earned

29173568 / 7,865,533

3.70

33428306 /11,560,740

2.89

38996408 /15,841,463

2.46

2009

2008

2007

2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7
2.46 2.89 3.7

2.46

2.89

3.7

Working of EBIT EBIT 2007 2008 2009 (Rs) (Rs) (Rs) Profit before tax 21308035 21,867,566

Working of EBIT

Working of EBIT EBIT 2007 2008 2009 (Rs) (Rs) (Rs) Profit before tax 21308035 21,867,566

EBIT

2007

2008

2009

(Rs)

(Rs)

(Rs)

Profit before tax

21308035

21,867,566

23,154,945

Add) interest / markup

7865533

11,560,740

15,841,463

expenses

Total

29173568

33428306

38996408

Interest / markup Expenses are available in P&L Account

2009

2008

2007

2009 2008 2007 TOTAL CAPITALIZATION RATIO Ratio Muslim Commercial Bank Limited Analysis Total Capitalization

TOTAL CAPITALIZATION RATIO

2009 2008 2007 TOTAL CAPITALIZATION RATIO Ratio Muslim Commercial Bank Limited Analysis Total Capitalization

Ratio

Muslim Commercial Bank Limited

Analysis

Total Capitalization Ratio = Long term debt / Long term debt + Share holder equity

2007

2008

2009

Total

1659394 /

437137 /

3196743 / 3196743+

Capitalizat

1659394+5511967516

437137+58436054

69740013

ion ratio

59394 / 56779069

437137 / 58873191

3196743 / 72936756

0.02

0.13

0.04

TOTAL CAPITALIZATION RATIO

0.04 0.02 0.13

0.04

0.02

0.04 0.02

0.13

0.04 0.02 0.13
0.04 0.02 0.13
0.04 0.02 0.13
0.04 0.02 0.13

0

0.02

0.04

0.06

0.08

0.1

0.12

0.14

Working of long term liabilities Long term Liabilities Year 2007 (Rs) Year 2008 (Rs) Year

Working of long term liabilities

Working of long term liabilities Long term Liabilities Year 2007 (Rs) Year 2008 (Rs) Year 2009

Long term Liabilities

Year 2007 (Rs)

Year 2008 (Rs)

Year 2009 (Rs)

Sub-ordinates

292098066

-

-

loans

Deferd tax liability

1180162

437,137

3,196,743

Liabilities against assets subject to finance lease

479232

-

-

Total

293757460

437,137

3,196,743

Total Assets Turnover Ratio Muslim Commercial Bank Limited Analysis Total Assets Turnover = Sales /
Total Assets Turnover Ratio Muslim Commercial Bank Limited Analysis Total Assets Turnover = Sales /

Total Assets Turnover

Ratio

Muslim Commercial Bank Limited

Analysis

Total Assets Turnover = Sales / Total Assets

2007

2008

2009

Total

31786595 /410485517

40043824 /443615904

51616007 /509223727

Asset

0.07

0.09

0.10

Turnover

Total Asset Turnover

0.1 0.09 1 0.07 0 0.05 0.1 2007 2008 2009
0.1
0.09
1
0.07
0
0.05
0.1
2007
2008
2009
2009 51616007

2009

51616007

/509223727

2008 40043824

2008

40043824

/443615904

2007

2007

31786595/410485517

Fixed Assets Turnover Muslim Commercial Bank Limited Ratio Analysis Fixed Assets Turnover = Sales /
Fixed Assets Turnover Muslim Commercial Bank Limited Ratio Analysis Fixed Assets Turnover = Sales /

Fixed Assets Turnover

Muslim Commercial Bank Limited

Ratio

Analysis

Fixed Assets Turnover = Sales / Total Fixed Assets

2007

2008

2009

Fixed

Assets

Turnover

31786595 /16024123

1.98

40043824 / 17263733

2.31

51616007 / 18014896

2.86

Fixed Asset Turnover

2.86 2.31 1 1.98 0 1 2 3 2007 2008 2009
2.86
2.31
1
1.98
0
1
2
3
2007 2008 2009
2009 51616007 /

2009

51616007 /

18014896

2008 40043824 /

2008

40043824 /

17263733

2007 31786595

2007

31786595

/16024123

 Sale is the value of "Net Sales" or "Sales" from the company's income statement

Sale is the value of "Net Sales" or "Sales" from the

company's income statement

Total Fixed Assets Total fixed assets are the value of all the assets which is not current assets. Total Fixed

assets are available in the balance sheet.

Net Profit Margin Muslim Commercial Bank Limited Ratio Analysis Net Profit Margin = Net Income
Net Profit Margin Muslim Commercial Bank Limited Ratio Analysis Net Profit Margin = Net Income

Net Profit Margin

Muslim Commercial Bank Limited

Ratio

Analysis

Net Profit Margin = Net Income / sales *100

2007

2008

2009

Net profit

Margin

20,808,390 / 31786595

0.65 or 65.4%

20,526,669 / 40043824

0.51 or 51.2%

24,710,953 / 51616007

0.47 or 47.8%

Net Profit Margin

47.80% 51.20% 1 65.40% 0.00% 20.00% 40.00% 60.00% 80.00% 2007 2008 2009
47.80%
51.20%
1
65.40%
0.00%
20.00%
40.00%
60.00%
80.00%
2007 2008 2009
2009 24,710,953 /

2009

24,710,953 /

51616007

2008 20,526,669 /

2008

20,526,669 /

40043824

2007 20,808,390 /

2007

20,808,390 /

31786595

Working of Net Income Net Income 2007 2008 2009 Net mark – up / interest
Working of Net Income Net Income 2007 2008 2009 Net mark – up / interest

Working of Net Income

Net Income

2007

2008

2009

Net markup / interest income after

20856011

24,463,963

28,452,223

provisions

Add) Nonmarkup / interest income

6011291

5,791,440

5,642,885

Less) Nonmarkup /

26867302

8,387,837

10,940,163

interest expenses

Profit before tax

21308035

21,867,566

23,154,945

Less) taxes

6042473

6,492,966

7,659,648

Profit after tax

15265562

15,374,600

15,495,297

Less) other expenses

5542828

5,152,069

9,215,656

Net income

20808390

20,526,669

24,710,953

Return on Assets Ratio Analysis Muslim Commercial Bank Limited Return on Assets = Net income
Return on Assets Ratio Analysis Muslim Commercial Bank Limited Return on Assets = Net income

Return on Assets

Ratio Analysis

Muslim Commercial Bank Limited

Return on Assets =

Net income after tax / Total Assets * 100

2007

2008

2009

Return on

15265562/410485517*1

15374600/443615904*1

15495297/509223727*1

Assets

00

00

00

3.71%

3.46%

3.04%

Return on Assets

3.04% 3.46% 1 3.71% 0.00% 1.00% 2.00% 3.00% 4.00% 2007 2008 2009
3.04%
3.46%
1
3.71%
0.00%
1.00%
2.00%
3.00%
4.00%
2007 2008 2009
2009

2009

15495297/509223727*1

00

2008

2008

15374600/443615904*1

00

2007

2007

15265562/410485517*1

00

Working of Net income after tax Net income after tax 2007 2008 2009 Net mark
Working of Net income after tax Net income after tax 2007 2008 2009 Net mark

Working of Net income after tax

Net income after tax

2007

2008

2009

Net markup /

20856011

24,463,963

28,452,223

interest income after

provisions

Add) Nonmarkup / interest income

6011291

5,791,440

5,642,885

Less)

26867302

8,387,837

10,940,163

Nonmarkup /

interest expenses

Profit before tax

21308035

21,867,566

23,154,945

Less) taxes

6042473

6,492,966

7,659,648

Net income after tax

15265562

15,374,600

15,495,297

Operating Income Margin Ratio Muslim Commercial Bank Limited Analysis Operating margin = operating Income
Operating Income Margin Ratio Muslim Commercial Bank Limited Analysis Operating margin = operating Income

Operating Income Margin

Ratio

Muslim Commercial Bank Limited

Analysis

Operating margin

=

operating Income / Net sales*100

2007

2008

2009

Operating

24,369/31786595

25,910 / 40043824

30,620 / 51616007

income

7.66 %

6.47%

5.93%

margin

Operating income Margin

5.93 6.47 1 7.66 0 2 4 6 8 2007 2008 2009
5.93
6.47
1
7.66
0
2
4
6
8
2007 2008 2009

30,620 / 516160072009 25,910 2008 / 40043824 24,369/ 31786595 2007

2009

25,91030,620 / 51616007 2009 2008 / 40043824 24,369/ 31786595 2007

2008

/ 40043824

24,369/ 3178659530,620 / 51616007 2009 25,910 2008 / 40043824 2007

2007

Operating Income = Available in Six year Analysis of the company

Operating Income = Available in Six year Analysis of the company

Operating Income = Available in Six year Analysis of the company
Return on Operating Assets Muslim Commercial Bank Limited Ratio Analysis Return on operating Assets =
Return on Operating Assets Muslim Commercial Bank Limited Ratio Analysis Return on operating Assets =

Return on Operating Assets

Muslim Commercial Bank Limited

Ratio

Analysis

Return on operating Assets = sales / operating assets

2007

2008

2009

Return on

operating

Assets

31786595/16082781

1.97

40043824 / 17320485

2.31

51616007 / 18099010

2.85

2007 2008 2009

Return on Operating Assets

2.85
2.85

2.85

2.31

1.97

2.31 1.97
2.85 2.31 1.97
2.85 2.31 1.97
2.85 2.31 1.97
2.85 2.31 1.97
2.85 2.31 1.97
2.85 2.31 1.97

0

0.5

1

1.5

2

2.5

3

Working of operating Assets Operating Assets 2007 2008 2009 Capital work – in – progress
Working of operating Assets Operating Assets 2007 2008 2009 Capital work – in – progress

Working of operating Assets

Operating Assets

2007

2008

2009

Capital workinprogress

233390

510,226

1,099,749

Property and

15607660

16,562,309

16,666,905

equipment

Intangible asset

183073

191,198

248,242

Total

16024123

17,263,733

18,014,896

Return on Equity Ratio Muslim Commercial Bank Limited Analysis Return on Equity = Net income
Return on Equity Ratio Muslim Commercial Bank Limited Analysis Return on Equity = Net income

Return on Equity

Ratio

Muslim Commercial Bank Limited

Analysis

Return on Equity =

Net income after tax / Total Equity* 100

2007

2008

2009

Return on

15265562/45414156*10

15374600/52244865*

15495297/61075932*

equity

0

100

100

33.6%

29.4%

25.4%

Return on Equity

25.40% 29.40% 1 33.60% 0.00% 10.00% 20.00% 30.00% 40.00% 2007 2008 2009
25.40%
29.40%
1
33.60%
0.00%
10.00%
20.00%
30.00%
40.00%
2007 2008 2009
2009

2009

15495297/61075932*100

2008

2008

15374600/52244865*100

2007

2007

15265562/45414156*100

Working of Total Equity Total equity 2007 2008 2009 Share capital 6282768 6,282,768 6,911,045
Working of Total Equity Total equity 2007 2008 2009 Share capital 6282768 6,282,768 6,911,045

Working of Total Equity

Total equity

2007

2008

2009

Share capital

6282768

6,282,768

6,911,045

Reserves

34000638

36,768,765

38,385,760

Un appropriated

5130750

9,193,332

15,779,127

profit

Total

45414156

52,244,865

61,075,932

Gross profit Margin Ratio Muslim Commercial Bank Limited Analysis Gross Profit Margin Ratio = Gross
Gross profit Margin Ratio Muslim Commercial Bank Limited Analysis Gross Profit Margin Ratio = Gross

Gross profit Margin

Ratio

Muslim Commercial Bank Limited

Analysis

Gross Profit Margin Ratio =

Gross Profit / Net Sales

2007

2008

2009

Gross

23921062 / 31786595

28483084 / 40043824

35774544 / 51616007

Profit

0.75

0.71

0.69

Margin

Gross Profit Margin

0.69 0.71 1 0.75 0.66 0.68 0.7 0.72 0.74 0.76 2007 2008 2009
0.69
0.71
1
0.75
0.66
0.68
0.7
0.72
0.74
0.76
2007 2008 2009
2009 35774544 /

2009

35774544 /

51616007

2008 28483084 /

2008

28483084 /

40043824

2007 23921062 /

2007

23921062 /

31786595

Working of Gross Profit Gross Profit 2007 2008 2009 Mark – up / return /
Working of Gross Profit Gross Profit 2007 2008 2009 Mark – up / return /

Working of Gross Profit

Gross Profit

2007

2008

2009

Markup / return / interest earned

31786595

40,043,824

51,616,007

Less) Markup /

7865533

11,560,740

15,841,463

return / interest

expensed

Total

23921062

28,483,084

35,774,544

DuPont Return on Assets Ratio Muslim Commercial Bank Limited Analysis DuPont Return on Assets =
DuPont Return on Assets Ratio Muslim Commercial Bank Limited Analysis DuPont Return on Assets =

DuPont Return on Assets

Ratio

Muslim Commercial Bank Limited

Analysis

DuPont Return on Assets = Net Income * Sales

Sales

 

Total Assets

2007

2008

 

2009

DuPont

20,808,390/31786595

20,526,669 / 40043824

24,710,953 / 51616007

return on

*

*

 

*

assets

31786595/410485517

40043824 /443615904

51616007 /509223727

0.65*0.07

0.41*0.09

 

0.47*0.10

0.04

0.03

0.04

DuPont Return on Assets

0.04 0.03 1 0.04 0 0.01 0.02 0.03 0.04 2007 2008 2009
0.04
0.03
1
0.04
0
0.01
0.02
0.03
0.04
2007 2008 2009
2009 24,710,953 /

2009

24,710,953 /

51616007

* 51616007

/509223727 0.47*0.10

2008 20,526,669 /

2008

20,526,669 /

40043824

* 40043824

/443615904 0.41*0.09

2007 20,808,390 /

2007

20,808,390 /

31786595 * 31786595

/410485517 0.65*0.07

2007 2008 2009

2007 2008 2009 Dividend Per Share Muslim Commercial Bank Limited Ratio Analysis Dividend per share =
2007 2008 2009 Dividend Per Share Muslim Commercial Bank Limited Ratio Analysis Dividend per share =

Dividend Per Share

Muslim Commercial Bank Limited

Ratio

Analysis

Dividend per share = Dividend paid to share holder Average common share outstanding

2007

2008

2009

Dividend

per share

4728496/ 691104527

400.0

9834175/ 691104527

125.9

6735510 / 691104527

219.7

Dividend Per Share

219.7

125.9

219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0

400.0

219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0

0

100

200

300

400

500

Dividend paid to share holder Source: Cash flow statement of MCB Average common share outstanding

Dividend paid to share holder

Source: Cash flow statement of MCB Average common share outstanding

source: financial statement analysis notes of

MCB

Note # 32 page # 106

2007 2008 2009

2007 2008 2009 Earning Per Share Ratio Muslim Commercial Bank Limited Analysis Earning Per share =
2007 2008 2009 Earning Per Share Ratio Muslim Commercial Bank Limited Analysis Earning Per share =

Earning Per Share

Ratio

Muslim Commercial Bank Limited

Analysis

Earning Per share = Profit Available to shareholders or Net income after tax No of shares outstanding

2007

2008

2009

Earning

20,808,390 / 1102183

20,526,669 / 921304

24,710,953 / 1118648

per share

22.09

22.25

22.42

Earning Per Share

22.42 22.25 22.09
22.42 22.25 22.09
22.42
22.25
22.09
22.42 22.25 22.09
22.42 22.25 22.09
22.42 22.25 22.09
22.42 22.25 22.09
22.42 22.25 22.09

21.9

22

22.1

22.2

22.3

22.4

22.5

No of shares outstanding = Net income after tax EPS EPS is available in balance

No of shares outstanding = Net income after tax

EPS

EPS is available in balance sheet

Net income is available in P&L account of the

MCB

2007 2008 2009

2007 2008 2009 Price Earning Ratio Muslim Commercial Bank Limited Ratio Analysis Price Earning Ratio =

Price Earning Ratio

2007 2008 2009 Price Earning Ratio Muslim Commercial Bank Limited Ratio Analysis Price Earning Ratio =

Muslim Commercial Bank Limited

Ratio

Analysis

Price Earning Ratio = Current market Share price / Earning Per Share

2007

2008

2009

Price

Earning

ratio

18.11 * 22.09

400.0

5.66 *22.25

125.9

9.80 * 22.42

219.7

PRICE EARNING RATIO

219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0

219.7

125.9

400.0

219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0
219.7 125.9 400.0

0

100

200

300

400

500

Working of Price Earning Ratio EPS is available in balance sheet PE Ratio is available

Working of Price Earning Ratio

Working of Price Earning Ratio EPS is available in balance sheet PE Ratio is available in

EPS is available in balance sheet

PE Ratio is available in year analysis of the company.

Current market Share price = PE * EPS

Conclusion  The overall analysis shows that MCB is in good condition throughout the analysis

Conclusion

Conclusion  The overall analysis shows that MCB is in good condition throughout the analysis years

The overall analysis shows that MCB is in good condition

throughout the analysis years 2007

In the next year 2008 & 2009, there is decrease in the value of

profit as compare to previous year. During this year the

operating cost was max and its operational profit was

minimum as compare to previous year .The reason behind this

due to uncertainty in the process of increase in payables,

increase in capital work in progress and less investment

during this year.

Earning per share is also increase during these years for the

stocks holders and the persons interested in MCB investment.

Insufficient Staff in branches

Recommendation  MCB Should focus more on training needs of staff in line with practical

Recommendation

Recommendation  MCB Should focus more on training needs of staff in line with practical banking,

MCB Should focus more on training needs of staff in line with

practical banking, especially IT based products

Bank should acquire modern automation system to provide

efficient and prompt service to the customers

Before lending loan to the client or financing a project a team

of expert should physically visit the site and then evaluate its

feasibility for investment. If the investment and project is

profitable then should go on otherwise should not invest.

Increase in Mobile Banking including ATM , online Banking

etc.

Take step to increase the profit.

Investment in assets should be appropriate.

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