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Bank Performance

In: Business and Management

Submitted By oronto
Words 1033
Pages 5
Analysis of Performance: Trust Bank (DSE: TRUSTBANK) Net interest income in 2014(Q3) grew significantly to 1995.7mn, which was 1439.2mn in FY’13. The bottom line profit and NPAT growth is 1298.1mn and 303 percent in FY’14 respectively (Details report is not available till now). The tremendous growth in bottom line has been possible due to growth in investment income and releasing provision. Till 2014(Q3), Asset growth was 27 percent, while the main contributor loans and advances increased by 32 percent at the same time and deposit growth was 19 percent compared to that of 2013 audited financials. Loan to Deposit ratio is 91% in 2014(Q3), which was 82% in FY’13. ROA and ROE of the Bank was 12.2 percent and 0.7 percent respectively in 2014(Q3). NPL (nonperforming loan) ratio was 3.1 percent in FY’13, which was 4.6% in FY’12.

Key Financials
Particulars Net Interest Income Investment Income Operating Income Operating Expense Total Provision Tax Net Profit After Tax Trust Bank Limited (DSE: TRUSTBANK) 2012 1,913.0 913.6 3,757.3 1,929.1 876.2 769.3 182.7 13,675.8 58,599.1 83,063.0 6,849.8 96,339.3 426.2 0.4 16.1 0.2% 2.9% 4.6% 2013 1,439.2 1,586.6 4,174.4 2,238.1 772.8 841.5 322.0 19,060.1 83,798.4 102,523.9 7,200.2 118,308.5 426.2 0.8 16.9 0.3% 4.6% 3.1% Figure in Million 9M, 2014 1,995.7 1,366.0 4,467.3 1,763.0 641.9 1,125.1 937.3 22,637.0 110,248.9 121,614.3 8,106.1 150,085.2 426.2 2.2 19.0 0.7% 12.2% -

Investments/Investments in Shares & Securities Loans and Advances [Conventional Bank] /Investments [Islami Bank] Deposit & Other Shareholders' Equity Total Assets Total No. of Shares EPS (Restated) BVPS (Restated) ROA ROE NPL(%)

Analysis of Performance: Social Islami Bank Limited (DSE: SIBL) Net interest income in 2014 (Q3) grew by 13 percent compared to 2013 (Q3). Income from investment was increased by 6.56 percent, where income from commission, exchange and…...

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