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Financial Ratio Analysis Of Standard Chartered
Bank, Bank Al Falah and JS Bank
Standard Chartered
Bank Al Falah JS Bank
Bank
Chartered Bank,
Investments. Long Term.
Current Ratio
40
Bank Al Falah,
32.34
JS Bank, 46.1
Current Ratio
JS Bank
SCB, 27.62
30
20
10
DEBT RATIOS
Submitted To
Debt To Equity Ratio is Ms. Munazza
Debt To Equity Ratio is Debt To Equity Ratio is
5.97% 16.01% 3.6%
Debt To Equity Ratio of This ratio is very high
SCB is low than BAF but
higher than JS. Date
among banks we have The liabilities and equity
chosen. Because it has is less than the SCB
Submitted By:and
Lower Naveed
Khawaja liabilities and
equity than other
December 14, 2009
HaiderBAF. It073605-085
could be because
of new entrance in the
Syed
banks.Hassan Askari market.
073605-098
Raja Qasim Jamil 073605-
086
Total Debt Ratio Is 86% Total Debt Ratio Is Total Debt Ratio Is 77%
Banking is all about 93% It is all because of new
finances whether in form As described above entry in the market and
debts or credits. 86% that bank has more don’t have much assets
assets are financed by liabilities and equity and debts as compared
Debts. and as well as assets. to BAF and SCB. 77%
93% Assets are assets are finance by
financed by Debt. Debt.
Total Debt Ratio
60%
40%
20%
0%
1
Banks
PROFITABLITY RATIOS
EPS Ratio Is 0.003 EPS Ratio Is 1.16 EPS Ratio Is –0.57
Though EPS is low than Even the issued JS bank is showing loss in
BAF, but one more thing capital is low than JS the net profit/loss.
is that the issued capital and SCB but still it has
is very high. high EPS because of
its high net profit that
shows good financial
position.
MARKET RATIO
Price Earning Ratio Is 23 Price Earning Ratio Is Price Earning Ratio Is 9.5
Investors are willing to 40 Investors are willing to
pay 23 rupees when EPS Investors are willing to pay 9 rupees because it’s
is increases by one pay 40 rupees which EPS is not good and will
rupee. is very high as it is take time.
growing.
Market/Book Value Is Market/Book Value Is Market/Book Value Is 0.4
0.91 8.1 JS’s market value is very
Book value is 10 that can The book value is very low that is about 5
be said like normal. But it low that is 1 and it rupees
is negative here due to shows the good
slight decrease in market financial position.
value.
Over All Analysis Graph
DuPont Analysis
ROA
0.5 ROE 0.28 ROA 0.13 ROE 0.18
ROA 0.04 ROE
0
-0.5 Standard Bank Alfalah JS Bank
Chartered
-1
-1.5 ROA -1.16
Banks