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Welcome to My
Presentation
Topic: Performance Analysis of
Eastern Bank Ltd.
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This is me !
Southeast University
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Company Profile
Eastern
Bank
Limited
is
a
commercial
bank headquartered in Dhaka, Bangladesh. It was established in
1992, as a public limited company with limited ability under the
bank companies act of 1991. Its share is listed in Dhaka Stock
Exchange and Chittagong stock Exchange. The bank provide
products and services in retail banking, corporate finance, Islamic
finance, asset management, equity brokerage and security.
EBL offers a wide range of depository, loan and card
products. The customers are served through a network of 59
Branches, 116 ATMs and 21 Kiosks countrywide. EBL has its
presence in 11 major areas in the country including Dhaka,
Chittagong, Sylhet, Khulna, Rajshahi Rangpur & Cox's Bazar.
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Vision:
To become the most valuable brand in the
financial services in Bangladesh and creating
long-lasting value for their stakeholders and
above all for the community.
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Mission:
They will deliver service into both internal and
external sector.
They will ensure to maximize shareholders'
value.
They will constantly challenge their systems
and training to maintain excellence team in
order to achieve organization goals.
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Values:
Openness;
Trust;
Commitment;
Integrity
Service excellence;
Responsible Corporate Citizen;
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Performance Evaluation
Strategic priority of EBL:
To become cost efficient
organization.
Increase shareholders value.
Create world class IT infrastructure
to deliver superior service to their
customers.
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Bank Profitability:
Eastern Bank Ltd. gain profit by earning
more money than what they pay in
expenses. The major portion of a bank's
profit comes from the fees on services and
the interest. Its major expense is the
interest paid on its liabilities.
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Net
Income
Total
Equity
2005
2006
2007
2008
2009
546,515,028
513,233,680
418,648,150
798,353,197
1,458,991,932
3,071,336,910
3,314,723,164
3,710,912,939
4,733,358,666
8,434,181,804
17.79%
15.48%
11.28%
16.87%
17.3%
ROE
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2005
2006
2007
2008
2009
546,515,028
513,233,680
418,648,150
798,353,197
1,458,991,932
27,399,954,469
35,934,833,110
42,507,025,504
54,351,795,983
68,330,333,103
1.99%
1.43%
0.99%
1.47%
2.14%
Net
Income
Total
Asset
ROA
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3. Profit Margin:
Profit Margin= (Net Income Operating Revenue) 100
Year
2005
2006
2007
2008
2009
546,515,028
513,233,680
418,648,150
798,353,197
1,458,991,932
1,591,610,252
2,110,747,329
2,820,667,205
3,701,632,829
4,617,633,138
34.34%
24.32%
14.84%
21.57%
31.60%
Net Income
Operating
revenue
Profit
Margin
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2005
2006
2007
2008
2009
546,515,028
513,233,680
418,648,150
798,353,197
1,458,991,932
8,280,000
8,280,000
10,350,000
13,869,000
24,964,200
66
61.98
40.50
57.56
58.44
Net Income
No. of
Shares
Issue
EPS
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EPS of EBL 2005 & 2006 is good but in 2007 it is too much
lower. In 2008 EBL make over the problem & also keep it in
2009.
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2005
2006
2007
2008
2009
331,200,000
372,600,000
351,900,000
8,280,000
8,280,000
10,350,000
13,869,000
24,964,200
40
45
34
No. of Shares
Issue
DPS
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DPS of EBL 2005 & 2006 is good but in 2007 it is much lower.
And it is going on in 2008 & 2009. EBL cant give dividend.
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2005
2006
2007
2008
2009
1222.75
792.50
1070.75
589.30
644.25
66
61.98
40.50
57.56
58.44
18.53
12.79
26.44
10.24
11.02
Market Price
of per Share
Annual
Earnings per
Share (EPS)
P/E (Price
Earning)
Ratio
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Weaknesses:
Lack of Bank Branches and ATM Booths.
Lack of Capital.
Lower growth rate.
Opportunities:
Emerging economies
Threats:
Downturn in American spending.
Rival Banks are growing faster than EBL.
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Conclusion:
Eastern Bank Ltd. has maintain a unique banking
system from beginning to over the time period. Their
experienced management team always try to work for
improving their banking performance. Though, every
business has up and down in financial condition. But
over all process of EBL leading Excellency in banking
performance.
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be happy!
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