Analysis of Report - Sagar[1][1]

8/2/2019 Analysis of Report - Sagar[1][1]

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Analysis and Interpretation:

1: Analysis on the basis of camel model

2: Analysis on the basis of individual

Camel Ratio:

Bank wise Camel Ratio:

HDFC BANK

2009 2010 2011

C- Capital Adequacy 15.69 17.44 16.22

Debt Equity Ratio: 9.75 7.78 8.22

Total Advance to Total Asset Ratio: 0.53 0.56 0.57

AAsset Quality

NPA: Non-Performing Assets:

Gross NPA ratio: 1.98 1.43 1.06

Net NPA ratio: 0.006 0.003 0.001

MManagement

Total Advance to Total Deposit Ratio: 0.692 0.75 0.76

Business per Employee: 446 590 653

Profit per Employee: 4.18 5.98 7.37

EEarning & Profitability

Dividend Payout Ratio 22.16 21.72 22.72

Return on Asset: 1.28 1.53 1.58

Return on Net worth ( Ratio) 15.32 13.7 15.47

Net Profit to total Assest: 0.012 0.01 0.014

Interest Income to Total Income: 0.83 0.8 0.82

Other Income to Total Income: 0.16 0.19 0.17

Profit per Branch 160.35 171.94 200.02

LLiquidity

Cash on hand; 3084372 1,424,343 3,030,873

Available lines of credit;

The liquidity of the institution's assets;


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It is revealed from the table the Capital Adequacy ratio of HDFC is showing mixed trend 15.69(2009),

17.44(2010) and 16.22 (2011). As per the RBI norms the minimum requirement of Capital Adequacy is

10%. However the Debt Equity ratio of HDFC Bank is 9.75(2009), 7.78(2010) and 8.22(2011) which is

also showing the mixed trend. Moreover the Total Advance to Total Asset Ratio is constantly

increasing Year by Year 0.53(2009), 0.56(2010) and 0.57(2011).

The Data also shows the Gross NPA ratio of HDFC is decreasing as 1.98(2009), 1.43(2010) and

1.06(2011) which results a good position for HDFC while following the same the Net NPA ratio is

showing the same trend 0.006(2009), 0.003(2010) and 0.001(2011).

It is also observed that the Total Advances to Total Deposit Ratios increasing 0.69(2009), 0.75(2010)

and 0.76(2011). Following the same Business per Employee of HDFC is showing the same trend Rs.

446(2009) to Rs. 653 (2011). As the Profit per Employee is showing the same trend 4.18 (2009),

5.98(2010) and 7.37(2011).

The Table ( ) also shows the Dividend payout Ratio of HDFC is 22.16 (2009), 21.72 (2010) but increases

i22.72 (2011). Moreover the Return on Asset increases from 1.28 (2009) to 1.58 (2011). Although the

Return on Asset is increasing continuously from 1.28 (2009), 1.53 (2010) and 1.58 (2011). However the

Return on N et Worth is showing the mixed form of trend 15.32 (2009), 13.7(2010) and 15.47 (2011).

While the Net Profit to Total Asset is at 0.012(2009), 0.011(2010) and 0.014 (2011). The data also

shows the Interest Income to Total Income is at 0.83 (2009), 0.80 (2010) and 0.82 (2011). As the Other

Income to Total Income is also showing the mixed trend 0.16 (2009), 0.19 (2010) and 0.17 (2011).

However the Profit Per Branch of HDFC in increasing from Rs.160.35 (2009) to Rs. 200.02 (2011) which

results in a good position for HDFC.

Moreover the Liquidity position of HDFC is good in Rs. 3,084,372 (2009) as comparison to Rs.

1,424,343 (2010) and Rs. 3,030,873 (2011).


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Camel Ratio:

Bank wise Camel Ratio

ICICI BANK:

ICICI BANK

C- Capital Adequacy 2009 2010 2011

15.69 19.41 19.54

Debt Equity Ratio:


0.57 0.49 0.53

AAsset Quality


Gross NPA ratio:

Net NPA ratio: 4.32 5.07 5.8

0.02 0.021 0.011

MManagement

Total Advance to Total Deposit Ratio:

Business per Employee: 0.99 0.89 0.95

Profit per Employee: 1,154 1029 735

11 12 10


Dividend Payout Ratio

Return on Asset: 36.6 37.31 35.23



Interest Income to Total Income: 0 0.01 0.012Other Income to Total Income: 0.8 0.77 0.79


LLiquidity 266.91 237.04 204.18

Cash on hand;

Available lines of credit; 6,928,887 1,204,153 2,262,648



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ICICI BANk

It is observed from Table ( ) that the Capital Adequacy ratio of ICICI Bank increases from 15.69 (2009),

19.41 (2010) and 19.54 ( 2011). As the Debt Equity Ratio is showing the mixed trend 4.42 (2009), 3.91

(2010) and 4.10 (2011). However The Total Advance to Total Asset Ratio is having the same trend 0.57

(2009), 0.49 (2010) and 0.58 (2011).

Moreover the Asset Quality includes the Gross NPA ratio is increasing continuously 4.32 (2009), 5.07

(2010) and 5.80 (2011). As the Net NPA ratio is 0.02 (2009), 0.02(2010) and 0.011 (2011).

It is also revealed that Total Advance to Total Deposit Ratio is high 0.99 (2009) but decreases in

0.89(2010) and 0.95 (2011). As the Business Per Employee of ICICI Bank is continuously decreasing

year by year Rs. 1,154(2009), Rs. (1,029) and Rs. 785(2011). Hence the Profit Per Employee is also

showing the mix trend from Rs. 11 (2009), Rs. 12 (2010) and Rs. 10 (2011).

The data also observe Dividend Payout Ratio is showing mix trend as 36.6 (2009), 37.31 (2010) and

35.23 (2011). However the Return on Asset is continuously increasing 0.98 (2009) to 1.35 (2011).Following Return on Net worth Ratio is also increasing 7.58 (2009), 7.80 (2010) and 9.35 (2011).

Moreover Net Profit to Total Asset to 0.00 (2009), 0.01(2010) and 0.012 (2011). As the Interest Income

to Total Income is also showing mixed trend 0.8 (2009), 0.77(2010) and 0.79 (2011). Also the Other

Income to Total Income of ICICI Bank 0.19 (2009), 0.22 (2010) and 0.20 (2011). Following the same

Profit Per Branch is also having the mix trend Rs. 266.91 (2009), Rs. 237.04 (2010) and Rs. 204.18

(2011).

The data also implies that the Liquidity position of ICICI Bank in good in Rs.6,928,887 (2009) as

comparison to Rs. 1,204,158 (2010) and Rs. 2,262,648 (2011).


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Camel Ratio:


AXIS BANK:

C- Capital Adequacy Axis Bank

2009 2010 2011


Total Advance to Total Asset Ratio:11.49 8.81 9.96

AAsset Quality 0.55 0.57 0.58


Gross NPA ratio:

Net NPA ratio:

1.08 1.25 1.28

MManagement 0.004 0.004 0.002


Business per Employee:

Profit per Employee: 0.55 0.73 0.751060 1111 1366

EEarning & Profitability 10.02 12 14


Return on Asset:






L

Liquidity 0.21 0.37 0.23

Cash on hand; 230.96 260.3 246.08


The liquidity of the institution's assets; 2,724,561 2,662,952 3,720,945


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AXIS BANK:

The data of AXIS Bank shows that the Capital Adequacy of AXIS Bank is showing the mix trend as

13.69 (2009), 15.8 (2010) and 12.65 (2011) as in all years Bank is able to maintain the minimum

amount of capital Adequacy 10 %.. However the Debt Equity Ratio is having the same trend as 11.49

(2009), 8.81 (2010) and 9.98 (2011). As the Total Advances to Total Asset Ratio is showing constant

increase from 0.55 (2009), 0.57 (2010) and 0.58 (2011) which is a positive sign for ICICI Bank.

It is observed that the Gross NPA Ratio of ICICI Bank is increasing from 1.08 (2009), 1.25 (2010) and

1.28 (2011) while following the same NET NPA Ratio is same in 0.004 (2009), 0.004 (2010) and

decreases 0.002 (2011).

The Table ( ) reveals that the Total Advances to Total Deposit Ratio is high 0.75 (2011) as comparison

to 0.73 (2010) and 0.55 (2009). On the Other hand Business Per Employee of ICICI Bank is showing

good results Rs. 1060 (2009), Rs. 1111 (2010) and Rs. 1366 (2011). While Profit Per Employee is alsoincreased from 10.02 (2009) to Rs. 14 (2011).

Moreover, Dividend Payout Ratio is high 23.16 (2009) then 22.56 (2010) and 19.78 (2011). Also the

Return on Asset increases from 1.44 (2009) to 1.67 (2010) and 1.68 (2011). However the Return on Net

worth is showing mix trend 17.77 (2009), 15.67 (2010) and 17.84 (2011). As the Net Profit to Total

Asset is same 0.01 (2009), 0.01 (2010) and 0.01 (2011). While following the same Interest Income to

Total Income is showing the mix tend 0.78 (2009), 0.62 (2010) and 0.76 (2011). The Other income to

Total Income is 0.21 (2009), 2.37 (2010) and 0.23 (2011). As the Profit Per Branch is high Rs. 260.30

(2010) then Rs. 246.08 (2011).

The Liquidity Position of ICICI Bank is good Rs. 3,720,945 (2011) the Rs. 2,662,952 ( 2010) which is les

than Rs. 2,724,561 (2009).


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Camel Ratio:


YES BANK

Yes Bank


16.6 20.6 16.5

Debt Equity Ratio:Total Advance to Total Asset Ratio: 9.96 8.67 12.11

0.54 0.6 0.58

AAsset Quality


Gross NPA ratio:

Net NPA ratio: 0.68 0.27 0.23

0.003 0 0

MManagement


Business per Employee: 0.54 0.82 0.74Profit per Employee: 988.36 1526.7 2220.25

11.38 15.75 20.89



Return on Asset: not given 12.47 13.91






LLiquidity 257.51 316.38 338.2

Cash on hand;

Available lines of credit; 6,85,138 101,588 1,540,424



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YES BANK:

It is revealed from the table that the Capital Adequacy of YES BANK is 16.6 (2009) , 20.60 (2010) and

16.50 (2011). As Debt Equity Ratio is showing the mix trend 9.96 (2009), 8.67 (2010) and 12.11 (2011).

Also the same Total Advance to Total Asset Ratio is showing the same trend 0.54 (2009), 060 (2010)

and 0.58 (2011).

Moreover the data shows that the Gross NPA Ratio of YES Bank is decreasing from 0.68 (2009), 0.27

(2010) and 0.23 (2011) while following the same NET NPA ratio 0.003 (2009), 0.000 (2010) and 0.000

(2011) both of the results show the good sign for YES Bank.

As the Total Advances to Total Deposit Ratio 0.82 (2010) is high than 0.54 (2009) and 0.74 (2011).

However Business Per Employee is constantly increasing Rs. 98836 (2009), Rs. 1526.70 (2010) and Rs.

2220.25 (2011). While Profit Per Employee is also having the same trend Rs.11.38 (2009), Rs. 15.75

(2010) and Rs. 20.89 (2011).

The Table also shows that Dividend Payout Ratio of YES Bank is 13.91 (2011) is higher than 12.47

(2010. But the Return on Asset is having the mix trend from 1.6 (2009), 1.79 (2010) and 1.58 (2011).

Moreover Return on Net Worth is 18.71 (2009), 15.46 (2010) and 19.17 (2011). As the Net Profit to

Total Asset is same 0.01 (2009), 0.01 (2010) and 0.01 (2011). While the Interest Income to Total

Income is again showing the mix trend from 0.82 (2009), 0.80 (2010) and 0.86 (2011). As Other Income

to Total Income is 0.17 (2009), 0.19 (2010) and 0.18 (2011). Besides all Profit Per Branch is maximum

is. 338.20 (2011) then Rs. 316.38 (2010) and Rs. 257.51 (2009).

The main observation from the table is Cash on Hand of YES Bank is Rs. 1,540,424 is quite good than

Rs. 101,588 (2010) and Rs. 6,85,138 (2009).


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Camel Ratio:


State Bank of India

C- Capital Adequacy SBI

2009 2010 2011


Total Advance to Total Asset Ratio:

12.81 12.19 14.37

A

Asset Quality 0.56 0.55 0.55


Gross NPA ratio:

Net NPA ratio:

2.98 3.05 3.5

MManagement 0.017 0.017 0.016


Business per Employee:


556 636 704.65

E

Earning & Profitability 4.74 4.46 3.85


Return on Asset:


Net Profit to total Assets: 1.04 0.88 0.71



Profit per Branch

LLiquidity 0.16 0.17 0.16

Cash on hand; 79.68 73.7 49.49


The liquidity of the institution's assets; 8,667,250 11,725,775 17,277,713


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State Bank of India

It is Observed from the data Capital Adequacy Ratio of SBI is constantly decreasing from, 14.25 (2009),

13.39 (2010) and 11.98 (2011) which is much near to the minimum requirement specified by RBI.

Moreover The Debt Equity Ratio is showing the mix trend from 12.81 (2009), 12.19 (2010) and 14.37

(2011). The ratio of Total Advance to Total Asset is 0.56 (2009) and remain same 0.55 for 2010 and2011.

The table ( ) also shows that the Gross NPA ratio of SBI is increasing from 2.98 (2009), 3.05(2010) and

3.50 (2011). However Net NPA Ratio remains same 0.017 (2009 & 2010). But it decreases 0.016 (2011).

The data also revealed that The Total Advance to Total Deposit Ratio is 0.78 (2009 &2010) which

increases 0.81 (2011).However, Business Per Employee shows a constant increases from Rs556 (2009)

to Rs. 704.65 (2011). On the Other side Profit Per Employee constantly decreases from 4.74 (2009),

4.46 (20100 and 3.85 (2011).

Moreover, Dividend payout Ratio of SBI is 22.9 (2009) which increases for the next consecutive yearsfrom 23.36 (2010) and 26.03 (2011). As Return on Asset decreases from 1.04 (2009) to 0.88 (2010) and

0.71 (2011). However Return on Net Worth is showing the same trend 1.04 (2009),0.88 (2010) and

0.71 (2011). Somehow, Net Profits to Total Assets is 15.74 (2009), 13.90 (2010) and 12.72

(2011).However Interest Income to Total Income is very less 0.009 (2009) but increases to 0.05 (20100

then 0.06 (2011). As Other Income to Total Income is 0.16 (2009) then 0.17 (2010) 0.16 (2011). But

Profit per Branch is constantly decreasing from Rs. 79.68 (2009) to Rs. 73.7 (2010) 49.49 (2011).

Besides, all The Liquidity Position of SBI is showing a positive trend as Rs. 8,667,250 (2009), Rs.

11,725,775 (2010) and Rs. 12,277,718 (2011).


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Camel Ratio:


Punjab National Bank:

PNB


14.03 14.16 12.42

Debt Equity Ratio:


0.62 0.62 0.63

AAsset Quality


Gross NPA ratio:

Net NPA ratio: 1.77 1.7 1.79

0.001 0.005 0.008

MManagement




5.64 7.31 8.35



Return on Asset: 15.96 20.74 18.27






LLiquidity 71.5 82.86 204.75

Cash on hand;




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Punjab National Bank

It is revealed from the table Capital Adequacy Ratio of PNB 14.09 (2009), 14.16(2010) then decreases

12.42 (2011). As Debt Equity Ratio is 15.96 (2009), 15.36 (2010) and 15.62 (2011) which is

approximately same for all the years. The ratio of Total Advance to Total Asset is same 0.62 (2009 &

2010) and then increases 0.63 (2011).

Moreover, Gross NPA ratio is 1.77 (2009) 1.70 (2010) and 1.79 (2011). But Net NPA Ratio of SBI is

increasing from 0.001 (2009) to 0.005 (2010) and 0.008 (2011).

It is also observed that Total Advance to Total Deposit is showing positive trend from 0.73 (2009), 0.74

(2010) and 0.77 (2011). As Business Per Employee is constantly increasing from Rs. 654.92 (2009), Rs.

807.95 (2010) and Rs. 1017.8 (2011). While following the same Profit Per Employee is showing the

positive trend 5.64 (2009), 7.31 (2010) and 8.35 (2011).

The Table ( ) also shows the mixed trend of Dividend Payout Ratio 15.96 (2009), 20.74 (2010) and

18.27 (2011). Also, the Return on Asset also having the same trend 1.39 (2009), 1.44 (2010) and 1.34(2011). However Return on Net Worth 21.09 (2009), 22.04 (2010) and 20.61 (2011). As Net Profit to

Total Asset is high 0.012 (20098) and remain same 0.010 (2010 & 2011). Also, Interest Income to Total

Income is 0.86 (2009), 0.85 (2010) and 0.88 (2011). Moreover, Other Income to total Income is having

the mixed trend 0.13 (2009), 0.14 (2010) and 0.11 (2011). As Profit Per Branch of PNB having positive

trend 71.5 (2009), 82.86 (2010) and 204.75 (2011).

The data shows the Liquidity position of PNB is Rs. 1,125,013 (2009), Rs. 3,067,258 (2010) and Rs.

3,527, 078 (2011) which results a good position for bank.

.


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Camel Ratio:


Vijaya Bank:

VIJAYA


13.15 12.5 13.88

Debt Equity Ratio:


0.56 0.59 0.59

AAsset Quality


Gross NPA ratio:

Net NPA ratio: 1.95 2.37 2.56

0.008 0.014 0.015

MManagement



Profit per Employee: 756 836 928

2.34 4.5 6.3



Return on Asset: 19.33 26.85 32.01



Interest Income to Total Income: 0.88 0.08 0



LLiquidity 23.84 43.96 44.17

Cash on hand;




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VIJAYA BANK:

It is revealed from the data Capital Adequacy of Vijaya Bank 13.15 (2009), 12.5 (2010) and 13.88

(2011) which is showing the mixed trend. As Debt Equity Ratio 23.74 (2009), 23.44 (2010) and 22.40

(2011). As Total Advance to Total Asset ratio 0.56 (2009) and remains same 0.59 (2010 &2011).

The Table also shows Gross NPA Ratio of Vijaya Bank is constantly increasing 1.95 (2009), 2.37 (2010)

and then 2.56 (2011) which results in a negative impact for bank. While following the same Net NPA

Ratio is showing positive trend 0.008 (2009), 0.014 (2010) and 0.015 (2011).

It is also observed that the Total Advances to Total Deposit Ratio having mixed trend 0.56 (2009), 0.67

(2010) and 0.66 (2011). As Business Per Employee of Vijaya Bank increases Rs756 (2009), Rs. 836

(2010) and Rs. 928 (2011). However, Profit Per Employee also having positive trend Rs 2.34 (2009), Rs.

4.50 (2010) and Rs. 6.30 (2011).

Moreover, Dividend Payout Ratio is 19.33 (2009), 26.85 (2010) and 32.01 (2011). On the Other side

Return on Asset having mixed trend 0.59 (2009), 0.76 (2010) and 0.72 (2011). Where as Return on NetWorth of Vijaya Bank 8.33 (2009) , 14.6 (2010) and 10.87 (2011). As Net Profit to Total Asset 0.88

(2009), 0.08 (2010) and 0.00 (2011). However Interest Income to Total Income is same 0.88 (2009 &

2010) then increases to 0.91 (2011). Similarly, Other Income to Total Income remains same 0.11 (2009

& 2010) then decreases to 0.08 (2011). Although, Profit Per Branch constantly increasing 23.84 (2009),

43.96 (2010) and 44.17 (2011).

However, Liquidity position of Bank becomes stronger year by year 2,363,560 (2009), Rs. 3,081, 893

(2010) and Rs. 3,527, 910 (2011).


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Camel Ratio:


UCO Bank:

UCO


11.93 13.21 13.71

Debt Equity Ratio:


0.61 0.6 0.6

AAsset Quality


Gross NPA ratio:

Net NPA ratio: 2.21 2 3.31

0.011 0.011 0.018

MManagement



Profit per Employee: 732 901 1069

2.4 4.43 4.19



Return on Asset: 12.63 14.68 37.36



Interest Income to Total Income: 0 0 0



LLiquidity 27.1 48.08 41.36

Cash on hand;




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UCO Bank:

It is observed from the data the Capital Adequacy Ratio of UCO Bank 11.93 (2009), 13.21 (2010) and

13.71 (2011). However, Debt Equity ratio is 36.11 (2009) then decreases to 34.21 (2010) and 28.59

(2011). AS Total Advances to Total Asset Ratio 0.61 (2009) then remains same 0.60 (2010 & 2011).

Moreover, Gross NPA Ratio 2.21 (2009), 2.00 (2010) but then increases to 3.31 (2011). As Net NPA

Ratio remains same 0.011 (2009 & 2010 ) then increases to 0.018 (2011).

The table ( ) also shows a positive trend of Total Advances to Total Deposit 0.61 (2009), 0.67 (2010)

and 0.68 (2011). However, Business Per Employee constantly increasing Rs. 732 (2009), Rs. 901 (2010)

and Rs. 1089 (2011). Similarly, Profit Per Employee showing same trend Rs. 2.4 (2009), Rs. 4.43 (2010)

and Rs. 4.19 (2011).

The data also revealed Dividend Payout Ratio increases from 12.63 (2009) to 37.36 (2011). As Return

on Asset having the mixed form of trend 0.59 (2009), 0.87 (2010) and 0.66 (2011). Similarly Return on

Net Worth showing the same trend 14.09 (2009), 19.43 (2010) and 12.22 (2011. Although net Profit toTotal Asset remains 0.00 for all the years. However, Interest Income to total Income 0.88 (2009), 0.90

(2010) and 0.92 (2011). Whereas, Other Income to Total Income decreases constantly 0.11 (2009),

0.09 (2010) and 0.07 (2011). As Profit Per Branch is quite low 27.1 (2009) but then increases to 48.08

(2010) again shows the decreasing trend 41.36 (2011).

However, Liquidity position of UCO Bank becomes stronger Rs. 2,434,730 (2009), Rs. 3,361,090 (2010)

and Rs. 3,768, 861 (2011) which results in a positive manner for the bank.

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Analysis of Report - Sagar[1][1]

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