Send your assignments and projects to
be displayed here as sample for others
Financial Ratio Analysis Of Standard Chartered Bank,
Bank Al Falah and JS Bank
Main Bank: Standard Chartered Bank
Standard Chartered Bank Bank Al Falah JS Bank
Analysis Of Standard
Current Ratio is 27.62 Current Ratio is 32.34 Current Ratio is 46.10
The current ratio of SCB is
less than both the banks. It
is because of very less
Chartered Bank, Bank
Ratio is greater than SCB
but less than JS. It is
good sign of good
Its current ratio is high. But
overall its financial position is
not good than BAF and SCB.
current assets among our
portfolio banks and SCB
could be good for Long Term
Al Falah and JS Bank
financial position. The
bank is better than JS in
Short Term and better
JS is good for short term but
bad for long term.
Investments. For The Period 30 September 2009
than SCB in Long Term.
Bank Al Falah SCB JS Bank
50 JS Bank, 46.1
Bank Al Falah,
32.34 Submitted To
December 14, 2009
Debt To Equity Ratio is Debt To Equity Ratio is Debt To Equity Ratio is 3.6%
Debt To Equity Ratio of SCB This ratio is very high The liabilities and equity is
is low than BAF but higher among banks we have less than the SCB and BAF.
than JS. chosen. Because it has It could be because of new
Lower liabilities and entrance in the market.
equity than other banks.
Khawaja Naveed Haider 073605-085
Syed Hassan Askari 073605-098
Raja Qasim Jamil 073605-086
Total Debt Ratio Is 86% Total Debt Ratio Is 93% Total Debt Ratio Is 77%
Banking is all about finances As described above that It is all because of new entry
whether in form debts or bank has more liabilities in the market and don’t have
credits. 86% assets are and equity and as well as much assets and debts as
financed by Debts. assets. 93% Assets are compared to BAF and SCB.
financed by Debt. 77% assets are finance by
Total Debt Ratio
SCB Bank Al Falah JS Bank
Bank Al Falah,
JS Bank, 77%
EPS Ratio Is 0.003 EPS Ratio Is 1.16 EPS Ratio Is –0.57
Though EPS is low than BAF, Even the issued capital is JS bank is showing loss in
but one more thing is that low than JS and SCB but the net profit/loss.
the issued capital is very still it has high EPS
high. because of its high net
profit that shows good
ROA Is 0.04% ROA Is 0.13% ROA Is -1.16%
There is a great difference in As compared to SCB, BAF JS bank is suffering loss due
Net Profit ratio between SCB has high net profit to heavy interest expense
and BAF. But slight compared with assets to that the bank has to pay as
difference in Total Assets. SCB’s net profit with compared to both the banks.
It is better than JS but worst assets. It is better than
than BAF. both the banks.
ROE Is 0.30% ROE Is 4.48% ROE Is -5.40%
It is because of Common Common stock equity is Common stock equity is low
Stock Equity. SCB has about about 3 times less than and bank is also facing
3 times more Common Stock SCB and net profit as losses in its operations due
Equity than BAF. The ratio compared to equity is the to heavy expenses.
with net income is low. reason for high ROE.
Price Earning Ratio Is 23 Price Earning Ratio Is 40 Price Earning Ratio Is 9.5
Investors are willing to pay Investors are willing to Investors are willing to pay 9
23 rupees when EPS is pay 40 rupees which is rupees because it’s EPS is
increases by one rupee. very high as it is growing. not good and will take time.
Market/Book Value Is 0.91 Market/Book Value Is 8.1 Market/Book Value Is 0.4
Book value is 10 that can be The book value is very JS’s market value is very low
said like normal. But it is low that is 1 and it shows that is about 5 rupees
negative here due to slight the good financial
decrease in market value. position.
Over All Analysis Graph
2.5 ROE 2.23
0.5 ROE 0.28 ROA 0.13 ROE 0.18
ROA 0.04 ROE
-0.5 Standard Bank Alfalah JS Bank
-1.5 ROA -1.16
Bank Al Falah is Better Than Standard Chartered Bank and JS Bank in September