Term paper on Financial Institution Analysis of IDLC Finance

South East University

Term paper on Financial Institution Analysis

Term paper on Financial

Institution Analysis of IDLC

Finance

Southeast University



[Year]

Submitted by

Rajib Alam

2011010000195

Batch No 27th

Section F

Course Code FIN-2122

Course Title

Financial

Management





Abstract

This paper examines the issues or topics which are presently subject to Financial Institution

analysis of IDLC financial institutions The paper demonstrates that there has been diversity in

the Topics or issues which non finance believes to be important A financial institution of the

most critical issues or topics is provided which should be helpful to those engaged in doing

analysis for financial institutions IDLC Finance Limited one of renowned non banking financial

institution in Bangladesh It started its operation at 1985 and it is the pioneer financial institution

in Bangladesh IDLC Finance Limited has different kinds of products and services IDLC is

financing in different sectors through their products and services IDLC Finance Limited is a

mother company I have done my term paper in IDLC finance And my topic was the

ldquoFinancial Institution analysis of IDLC Financerdquo In Bangladesh investment bank mainly

perform four kinds of activities They are issue management underwriting portfolio

management and corporate advising IDLC Finance Limited is performing all of these four

activities IDLC Finance Limited is providing different capital market related services to the

corporation and institution seeking for the funds and individuals seeking opportunities to

invest their fund in different securities The companies wide array products and services

range from retail products such as home loans car loans corporate and SME products

including lease and term loans structured finance services are ranging from syndication to

capital restructuring and a complete suite of merchant banking and capital market service

IDLC Finance Limited is Financial institution its activities in such a way that why number of

client of it increasing day by day It is a very good sign for a capital market IDLC

Finance Limited is a providing good return to its parent company as well as the

country economy through its activities The current term paper aimed at critically examining the

Analyzed of a private financial institution The main objective of this term paper was to analyze the

financial institution analysis of IDLC finance ltd along with how efficiently are providing services to

its customer From Financial Analysis it has been seen that the performance of IDLC finance ltd is

really satisfy


Term paper on Financial Institutions Analysis of IDLC

Acknowledgement

Itrsquos a matter of great contentment to be able to complete this term paper in due time My

endeavor will be considered successful if the term paper is of any help to you At the very

outset I would like to express my heartiest gratitude to Almighty Allah for giving me the

capacity to complete this task Then I would like to place my humble gratitude to my

respected faculty Lecturer S M Mujahidul Islam SEU Business School Southeast

University for his valuable time commitment guidance patience and stimulation made

along with the course of action I have put my best effort to make this report to serve its

purpose that is to come across the Financial Institution analysis of IDLC Finance

Limited I would like to avail the opportunity of expressing my deep gratitude and regards

to my parents for their continuous support I am indebted to all of my classmates to

support and providing me with his experience and practical knowledge in this regard

Along with this I want to thank one other people who is Md Harun ur Rashid He is my

brother Without the help of these people this term paper probably wouldnrsquot be completed

in due time


Term paper on Financial Institutions Analysis of IDLC Finance Page 6

11Analysis of Financial Institutions

Analyzing a financial institution is very different from analyzing a corporate entity When a

financial institution has liquidity problems the end can be fast and furious This two day

class will cover the qualitative and quantitative analysis of financial institutions Exercises

and case studies are included

12 Introduction

One of the renowned names in Bangladesh financial market is financial institution Some

financial institutions serve as pass through or agency institutions where the risks and returns

to clients depend primarily on the investment results of the institutions Such institutions

include mutual funds hedge funds REITs and defined contribution plans such as 401k plans

Other financial institutions serve as guarantors or principal institutions where the institutions

offer a fixed return to clients and the institutions retain the actual risks and returns of their

investments This group includes commercial banks Non- financial institution insurance

companies sovereign funds and defined benefit pension plans Leasing Company (IDLC)

Limited It started operation in the year 1985 as the pioneer leasing company as to facilitate

lease- financing and capital investment in industrial sector with the view of ldquoBecome the

best performing and most innovative solutions provider in the countryrdquo For introducing new

multitude of diverse financial products and services in 2007 the company changed its name to

IDLC Finance Ltd Over the last two decades IDLC has contributed relentlessly in the

countryrsquos transition into a developing country and has emerged as Bangladeshrsquos leading multi

product financial institution The company now offers financial and technological solutions to

both institutional and individual clients to cater for their unique requirement

13 Origin of the report

This term paper is a course requirement of ldquoFIN-2122 Financial Managementrdquo Our

honorable course instructor assigned us the topic and the report was conducted on Financial

Institution and IDLC finance Ltd I am very glad to have his suggestion and guidelines in

this regard The report mainly focused on the Financial Institution and leasing companyrsquos

functions source of fund investment and rules and regulation regarding leasing company

But as Financial Institution analysis is one of the highest concerns of todayrsquos financial

institutions we also focus on the Financial Institution Analysis of the firm

14 Statement of the problem



This study arises from the need to know the financial institution analysis in the firm more

effectively The rapid growth of securities financing company and Investments Company are

really thinks about the financial institution Now a days it is known that the financial

institution analysis the organizational performance very well In financial institution analysis

there is lots of important thing We can also be able to know that how these things are helping

or be the independent variable of the knowledge sharing

Accordingly organization from different sectors across industries and through different time

periods should use these financial institution analysis tools Nevertheless researcher has yet to

examine in depth the probable influence of financial institution analysis of a firm in different

conditions However the reason why individual employees decide whether to actively

participate in financial institution analysis activities are currently not well understood

Therefore this research aims to contribute to the general understanding of the barriers

determining the success of financial institution analysis in organizations in general and to the

organization under study in particular ldquoKnowledge is one of the few assets that grows also

usually exponentially when shared financial institution analysis is believed to be one of the

most important processes for financial analysis Davenport and Prusak (2000) and Chua

(2003) however indicate that financial institution is analysis in organizations whether the

process is deliberately managed or not Junnarkar (1997) also supports this View of readily

established analysis communities within the organizational framework even before

management makes any kind of effort towards establishing them Companies are seeking to

implement special KM projects which aim to establish an environment within organizations

that will support the effective analysis creation transfer and use (Davenport et al 1998) All

analysis management initiatives try to foster the sharing of knowledge ideas and

experiences in whatever form among individuals or groupsrdquo as Cabrera and Cabrera (2002)

point out Nevertheless it is accepted that ldquowilling to share participantsrdquo is the key factor for

a successful implementation of any KM process (Koulopoulos and Frappaolo 1999)

15 Objective of the study

151 Broad Objective



152 Specific Objective

21 Clarifying the Concepts

A financial institution is an institution that provides financial services for its clients or

members Probably the most important financial service provided by financial institutions is



acting as financial intermediaries Most financial institutions are regulated by the

government Broadly speaking there are three major types of financial institutions

1 Depositary Institutions Deposit-taking institutions that accept and manage deposits and

make loans including banks building societies credit unions trust companies and mortgage

loan companies

2 Contractual Institutions Insurance companies and pension funds and

3 Investment Institutes Investment Banks underwriters brokerage firms

Function Financial institutions provide service as intermediaries of financial markets They

are responsible for transferring funds from investors to companies in need of those funds

Financial institutions facilitate the flow of money through the economy

Standing settlement instructions Standing Settlement Instructions (SSIs) are the agreements

between two financial institutions which fix the receiving agents of each counterparty in

ordinary trades of some type These agreements allow traders to make faster trades since time

used to settle the receiving agents are conserved Limiting the trader to an SSI also lowers the

likelihood of a fraud

Regulation See also Financial institutions in most countries operate in a heavily regulated

environment as they are critical parts of countries economies Regulation structures differ in

each country but typically involve prudential regulation as well as consumer protection and

market stability Some countries have one consolidated agency that regulates all financial

institutions while others have separate agencies for different types of institutions such as

banks insurance companies and brokers

See also

Ban Consumer Credit Act 1974 (UK law) Credit union Financial economics Fractional-

reserve banking Full-reserve banking International financial institutions Non-bank financial

institution Savings and loan association

22Available Research

221 Financial Institutions Research Project

Financial intermediaries play a crucial role in channeling capital from investors to companies

We define financial intermediaries broadly including not only commercial banks but also



investment banks and providers of private equity and venture capital Thus our research

program focuses not only on lsquotraditionalrsquo banking questions such as the regulation of

commercial banks and the monetary transmission channels between the banking sector and

the real economy but also on the role and efficiency of investment banks and private equity

funds in helping companies raise capital

222 Expert Insight into Bank and Insurance Financial Strength

As the scrutiny of banks has increased in the aftermath of the credit crisis the ability to

accurately assess the strength of banks and their security has become more important than

ever Moodys Investors Service Bank Research is designed to provide financial market

participants with fundamental analysis and expert insight into bank credit risk

223 Bryce W Rowe CFA Senior Research Analyst Community Banks

Bryce Rowe is Bairdrsquos senior analyst covering Community Banks Business Development

Companies Prior to joining Baird in 2006 Bryce held equity analyst positions at several

regional brokerage firms with the most recent being Legg Mason In 2011 Bryce was

selected for The Wall Street Journalrsquos Best on the Street Analyst Survey for Commercial

Banks and Savings amp Loans ranking No 4 and his second recognition by The Wall Street

Journal He received a BA in Economics from the University of Virginia Bryce Rowe is

Bairdrsquos senior analyst covering Community Banks Business Development Companies Prior

to joining Baird in 2006 Bryce held equity analyst positions at several regional brokerage

firms with the most recent being Legg Mason In 2003 Bryce was selected for The Wall

Street Journalrsquos Best on the Street Analyst Survey for Commercial Banks and Savings amp

Loans He received a BA in Economics from the University of Virginia

224 David A George CFA Senior Research Analyst US Banks

David George is Bairdrsquos senior analyst covering US Banks Prior to joining Baird in 2007

he was a senior analyst at AG Edwards amp Sons covering large- and mid-cap regional banks

as well as the trust and processing banks In 2004 he was named a Top 50 Analyst by

Bloomberg Magazine finishing first in stock selection in the Regional Bank category He



also has seven years of experience in the banking industry as he held senior commercial

lending positions with both Fifth Third Bancorp and Huntington Bancshares David received

a BA in Sociology from the College of Wooster (Ohio)

Factors

Rank

Location Convenience 1

Other Convenience Facto (such as parking hours and the like) 2

Advertising 3

Bank Atmosphere 4

31What is Data

Data is a collection of facts such as values or measurements It can be numbers words

measurements observations or even just descriptions of things



311 Data can be qualitative or quantitative

A) Qualitative data is descriptive information (it

describes something)

B) Quantitative data is numerical information

(numbers)

Quantitative data can also be Discrete or

Continuous Discrete data can only take certain

values (like whole numbers) Continuous data can take any value (within a range)

Put simply Discrete data is counted Continuous data is measured

Example What do we know about Arrow the Dog

Collecting Data can be collected in many ways The simplest way is direct observation

Example you want to find how many cars pass by a certain point on a road in a 10-minute

intervalSo simply stand at that point on the road and count the cars that pass by in that

interval

Census or Sample A Census is when you collect data for every member of the group (the

whole population)A Sample is when you collect data just for selected members of the

group Example there are 120 people in your local football club You can ask everyone (all

120) what their age is That is a census Or you could just choose the people that are there this

afternoon That is a sample A census is accurate but hard to do A sample is not as accurate

but may be good enough and is a lot easier

Data or Datum The singular form is datum so we would say that datum is very high

Data is the plural so we can say the data are available but it is also a collection of facts

so the data is available is fine too

32 Data source And information

Two types of data Primary data and secondary data



What does each and every research project need to get results Data ndash or information ndash to

help answer questions understand a specific issue or support a hypothesis

At the Institute for Work amp Health researchers conduct many projects each year Some

projects involve going into workplaces and asking workers questions Researchers who do

this have specific work-health questions in mind that theyrsquod like answered

The answers ndash or data ndash used from the responses are called primary data

Other Institute projects involve using data that has already been gathered by someone else

such as survey information from the Canadian Census Researchers then examine this

information in a different way to find a response to their question This data are called

secondary data

33 I collected the secondary data

41 Company History and Background

IDLC financial Bangladeshrsquos pioneering leasing company was established in Dhaka in 1980

IDLC was formed through the collaboration of International Finance corporation (IFC) the

private sector wing of the world Bank



German Investment and Development company (DEG) one of largest European development

finance institutions and a member of KfW Bankengruppe Kookmin bank one of the largest

banks in South Korea Korea Development financing Corporation one of the largest leasing

companies in South Korea of the 1980s The Aga Khan fund for Economic Development a

leading international development agency The City Bank Limited one of the oldest private

Commercial Bank in Bangladesh IPDC of Bangladesh Limited the first private sector

financial institution in Bangladesh and Sadharan Bima corporation the only state ownerd

general insurance corporation in Bangladesh

Today IDLC finance is the leading multi product Non Banking Finacial Institution in

Bangladesh with 27 Branches and over 800 staff IDLC offers a wide range of loans deposit

and capital market products and service to the Corparate Consumer and SME client

segments IDLC operates in the Capital market through its wholly owned subsidiaries IDLC

investment Limited and IDLC securities Limited

The IDLC group has always been a standard bearer for the financial sector in terms of

corporate governance and statutory compliance The group is also highly regarded for its

professional pool of resource and progressive work environment In 2010 the IDLC group

committed to sustainable business by becoming a member of the Bangladesh CSR Centre the

United Nations Global Compact (UNGC) and finally the United Nation Environment

Programmed Finance Initiative (UNEP FI)

IDLC received a long term rating of AA1 and short term rating of ST-1 as of June 302011

412 IDLCrsquos Vision Mission and Strategic Objectives



413 Our Corporate Philosophy

Discharge our functions with proper accountability for actions and results and bind

ourselves to the highest ethical standards

414 Goal

415 Strategic Objectives

1048657 Grow and develop our talent pool

1048657 Fully leverage new core banking platform

1048657 Optimize distribution points

1048657 Grow and diversify funding sources

1048657 Grow sales and service capabilities in Consumer Division

1048657 Aggressively grow SME portfolio

1048657 Focus on top-tier clients in Corporate

1048657 Consolidate capital market operations and enhance capabilities

1048657 Embrace internationally accepted corporate governance and sustainable

business practices

416 Core Values



417 Sector wise exposure ndash December 31 2012

418 SEGMENT PRODUCT AND SERVICE



IDLC offers products under four major business segments Consumer Corporate

Small and Medium Enterprise and Capital Markets

Consumer Finance

Deposit Schemes

Cumulative term Deposit

Monthly QuarterlyAnnual Earner Deposit

Double Triple Money Deposit

Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate

Corporate Finance Structured Finance Solutions

Term Loan Fund-raising LoanLeasprivate placement of Equity

Lease Finance Preference ShareBondForeign-currency Loan

Working Capital Finance Refinancing of special Funds

Project Finance

Refinancing and Special Funds

Corporate Advisory Services

1) Projectinfrastructure Finance

2) Advisory service

3) Structured Solution

4) Securitization of Assets

Small and Medium Enterprise

A Small enterprise Finance B1) Medium Enterprise Finance

SME Loan Term Loan

Abashan Loan Lease Finance

Seasonal Loan Working Capital Finance

Project Finance

Capital Markets Specialized Product

Portfolio Management B2) Supplier Finance

Discretion portfolio ManagementMAXCAP B3) Women Entrepreneur Loan

Margin Lending (Cop Invest) B4)Commercial Vehicle Loan

Investment Banking (IPORPO Bond Issuance Rights Rights shares offering Corporate Advisory ect)

Research

Brokerage Services



419 KEY FINANCIAL OF IDLC GROUP

4110 AWARDS AND ACHIEVEMENTS

SAFA (South Asian Federation of Accounts) Beast Presented Account Awards

SAFA Beast Presented Accounts Award 2005200620072009 and 2010

ICAB (The Institute of Cost and Management Accountants of Bangladesh) Awards

A ICMAB Beast Corporate Award 2010

B ICMAB Beast Corporate Performance Award 2008

C ICMAB National Beast Corporate Award 2007

ldquoCOMMWARD Excellence in Communication 2009rdquo and ldquoSuperbrandsrdquo recognition in 2009

42 Definition of Ratio Analysis



A tool used by individuals to conduct a quantitative analysis of information in a companys

financial statements Ratios are calculated from current year numbers and are then compared

to previous years other companies the industry or even the economy to judge the

performance of the company Ratio analysis is predominately used by proponents of

fundamental analysis

421Types of Ratio and Categories of Financial Ratios

Liquidity Measurement Ratios

a)Current Ratio

b) Quick Ratio

c) Cash Ratio

d) Cash Conversion Cycle

4) Operating Performance Ratios

) Fixed Asset Turnover

b) SalesRevenue Per Employee

c) Operating Cycle

5) Cash Flow Indicator Ratios

a) Operating Cash FlowSales Ratio

b) Free Cash FlowOperating Cash Ratio

c) Cash Flow Coverage Ratio

d) Dividend Payout Ratio

2) Profitability Indicator Ratios

a) Profit Margin Analysis

b) Effective Tax Rate

c) Return On Assets

d) Return On Equity

e) Return On Capital Employed

6) Investment Valuation Ratios

a) Per Share Data

b) PriceBook Value Ratio

c) PriceCash Flow Ratio

d) PriceEarnings Ratio

e) PriceEarnings To Growth Ratio

f) PriceSales Ratio

g) Dividend Yield

h) Enterprise Value Multiple

3) Debt Ratios

a) Overview of Debt

b) Debt Ratio

c) Debt-Equity Ratio

d) Capitalization Ratio

e) Interest Coverage Ratio

f) Cash Flow To Debt Ratio



422 Key Operating and Financial Highlights ndash Group

Financial Performance 2007 2008 2009 2010 2011 Growth



Lease and Term loans disbursed

Housing finance disbursement

Short term finance portfolio

Lease Finance

Real estate finance assets

Total assets

Long term liabilities

Term deposit balance

Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188

Operational Performance

Operational income

Operational expenses

Financial expenses

Profit before tax

Net profit after tax

Average effective tax rate

883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio

Debt equity ratio (Times)

Financial expenses coverage ratio (Times)

Current ratio (Times)

Return on total assets ()

Nonperforming loan ratio ()

Return on shareholdersrsquo equity ()

Earnings per share (BDT)

Dividend per share

Price earnings ratio (Times)

Dividend yield ()

Dividend payout ratio ()

954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426



423 Non performing lone Ratio

NPL is the nonperforming loans ratio Analysts use this ratio to compare lenders If a lender

has a high NPL ratio the lender will have difficulties with cash flows This is because many

of the loans the company holds have a high probability of not being paid back If a lender

does not receive a return of his principal on the loan he will lose money The higher the

NPL the more likely this happens

Formula

Divide by the total loan amount to calculate the NPL ratio In the example $10000 divided

by $100000 equals 01 Multiply the decimal by 100 to get 10 percent

Non performing lone Ratio of IDLC Finance (2010) = 284

Equity Statistics

Number of shares (No)

Year end market price per share (BDT)

Net asset value per share (BDT)

Market capitalization

Market value addition

Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787




424 Debt to equity ratio The debt-equity ratio is another leverage ratio that compares a companys total liabilities to its

total shareholders equity This is a measurement of how much suppliers lenders creditors

and obligors have committed to the company versus what the shareholders have committed

Formula

Debt to equity ratio of IDLC Finance (2010) = 630 Times




425 Earnings per share

EPS represents the number of dollars earned during the period on behalf of each outstanding

share of common stock Earnings per share is calculated as follows

Formula

dingoutsstockcommonofsharesofNumber

rsstockholdecommonforavailableEarningsshareperEarnings

tan

EPS of IDLC Finance BDT (2010) = 1341




426 Dividend per share

Dividends Per Share (EPS) - Dividends per share represents the cash (or property) paid on

each share of outstanding common stock Dividends per share do not represent the amount of

profit earned per share of stock (EPS) When calculating dividends per share all you need to

do is divide dividends paid by the number of common shares outstanding The formula for is

Dividend per share of IDLC Finance (2010) = 1000




427 Price Earnings Ratio

The price earnings ratio (PE) is the best known of the investment valuation indicators The

PE ratio has its imperfections but it is nevertheless the most widely reported and used

valuation by investment professionals and the investing public The financial reporting of

both companies and investment research services use a basic earnings per share (EPS) figure

divided into the current stock price to calculate the PE multiple (ie how many times a stock

is trading (its price) per each dollar of EPS)

Formula

Price Earnings ratio of IDLC Finance (2010) = 3467 Times




428 Return on total Assets

Return on Total Assets (ROA) Return on total assets (ROA) Measures the overall

effectiveness of management in generating profits with its available assets also called the

return on investment (ROI) The return on total assets is calculated as follows

Formula

assetsTotal

rsstockholdecommonforavailableEarningsassetstotalonturn Re

Return on total Assets of IDLC Finance (2010) = 535




429 Return on shareholderrsquos equity

Measures the rate of return the shareholders receive on their investment in your business Net

Income for the Year is after taxes and interest because the shareholders are only entitled to

the balance

Formula

Return on shareholderrsquos equity of IDLC Finance (2010) = 4364




4210 Current Ratio The current ratio is a popular financial ratio used to test a companys liquidity (also referred

to as its current or working capital position) by deriving the proportion of current assets

available to cover current liabilities

Formula

Current Ratio Analysis of IDLC Finance (2010) = 1391 times




51 Summary of major findings


Here we can see that non performing loan ratios are decreasing each year And in 2011 it is

307 which is a good sign for IDLC Finance ltd The ratio of nonperforming loan has been

further reduced from 45 in 2009 and 362 in 2010 to 307 in 2011 mainly through

strengthening of the credit and collections teams and relevant process IDLC has continued

with its prudential policy of building adequate provision for doubtful accounts and future

losses

512 Debt to equity ratio IDLC finance limited is a strong equity based company Emerging Credit Rating Agency of

Bangladesh rated IDLC in long term rating at ldquoAAArdquo and sort term rating as ldquoST -1rdquo Institution

rating in this category characterized with excellent position As in December 31 2011 total equity of

IDLC finance stands at BDT 3690 million and 2010 it was BDT 2393 million This means the

company has a strong equity against its debt And the graph also shows that the ratio of debt to equity

ratio is decreasing in each year And that is a good sign for the company to meet its obligation The

companyrsquos equity had increased by 54 over the previous year




The company believes that superior service diversification of client segment and business strong risk

management performance focus ensuring sustaining financial performance and those results an

increasing rate of earning per share This graph shows every year this rate is increasing Consorted

earning per share grew by 61 to BDT 2218 compared to previous year

514 Dividend per share IDLC finance has been paying dividend consistently to its shareholders over the years But they pay

dividend randomly according to their business policyThis graph highlights their dividend payment

per share Moreover the company has paid 110 in 2010 and 100 in 2011

515 Price earnings ratio Price earnings ratios are 2101 that indicate a good sign for the company We know that lower price

earnings ratio means earring per share is more than the market value of the company In 2011 IDLC

Finance has decreased by 602 against 2010

516 Return on total assets The return on asset ratio of IDLC finance ltd also improved in 2011 over other four years That we

can see on this graph and the annual report of 2011 The ROA increased means the net income also

increased and in 2011 their return on asset is 535 with a growth of 124

517 Shareholderrsquos equity This graph shows that shareholders equity in 2011 is BDT 3690 million with a growth of 54 percent

against BDT 2393 in the 2010 This table also shows the share holderrsquos equity was in a steady growth

2007 to 2008 And the growth rate 2008 to 2009 was reduced against 2007 to 2008 But from 2009 it

is again with positive growth

518 Current Ratio The current ratio of IDLC finance in 2011 is 1391 with a growth of 35 times IDLC has a optimum

current ratio over the last few years It means the company has the ability to face its short term

liabilities successfully with their short term asset

52 Recommendations

521 SOME OF THE RECOMMENDATIONS THAT I WOULD LIKE TO

PROPOSE ARE

COMPETITIONS AND PRODUCT DIVERSIFICATION

Investment banks in Bangladesh are operating in a highly competitive environment The

competition for them is even more challenging as they have to compete with banks Given

the changes in the business environment the need for product diversification is very

important The remaining part concentrates mainly on term financing and housing finance

Investment banks should venture into diversified use of their funds such as investment

banking venture capital financing factoring etc for a healthy growth of the capital

market



522 ENHANCING CAPITAL MARKET ACTIVITIES Investment banks around the world carry out a significant role in the development of the

capital market Strong institutional support is necessary for a vibrant capital market which

is the core of economic development in any market based economic system Active

participation of investment banks is essential to accelerate the capital market activities

which can expedite the economic growth of the country The success of investment banking

operations is largely linked to the development of the security market

523 RECOMMENDATIONS TO OFFER EVEN BETTER SERVICES In addition to portfolio management which is the core services offered by the investment

banks in our country there are other valuable services that they can offer to attract a larger

customer and to reduce the risk of losing out customers to the competitors

If we consider the level of grasp of the knowledge of our population then it become quite

apparent that why instigating programs to educate our clients can give our investment

banks competitive edge over others if not prove out to be a major differentiating factor

Not only can that educating the clients also open up new dimensions to do business with

the clients by creating demands in them Though merger and acquisition yet not proved to be

so affordable and also profitable move in our countryrsquos perspective but ignoring this sector

will not be wise enough if our

investment banks are aiming at long term customer hold So the quicker investment banks

address this issue the better it may prove out for them

524 Operating income

Above table shows in Each year their operating income growth increased rapidly In 2011

operating revenue grew 58 to reach BDT 3027 million against the year 2011Though the

amount of BDT million increase in 2011 but the growth shows that there is negative growth

in percentage in 2010 to2011 here the growth is 58 but the previous year growth is 62

which indicated that the operating expenses also increased So the company should try to

reduce their operating cost expenses

525 Total asset

IDLC consolidated asset at 2011 year end stood at BDT 269 billion a 19 growth over

2010 An aggressive deposit program was initiated in the second half of 2011 and by year

end So from the above table I can say they has a optimum level of assetThat means they

have the ability to meet its long term as well as short term obligations with adequate asset

526 Profit



In 2011 IDLC Financed Limited posted an operating profit of BDT 1956 million as against

BDT 1273 million in 2010 with a spectacular growth of 5365 percent over thepreceding

year After having made necessary provisions for loans and advances accordance with the

instruction of Bangladesh bank net income before tax (NIBT) stood at BDT 1327million in

the year under review against TK 822 million in the preceding year registering a growth of

6147 percent

527 Shareholderrsquos equity

This above table shows that shareholders equity in 2011 is BDT 3690 million with a

growth of 54 percent against BDT 2393 in the 2010 This table also shows the share

holderrsquos equity was in a steady growth 2007 to 2008 And the growth rate 2008 to 2009

was reduced against 2007 to 2008 But from 2009 it is again with positive growth

528 Major Risks at IDLC Major risks that IDLC identifies detrimental to its return and

market reputation is as follows

528 1Credit Risk Credit risk is the possibility that a borrower or country party will fail to

meet agreed obligations Thus managing credit risk for efficient management of a financial

institution (FI) has become the most crucial task Given the fast changing dynamic global

economy and the increasing pressure of globalization liberalization and consolidation it is

essential that FIs have robust credit risk management policies and producers those are

sensitive and responsive to these changes At IDLC credit risk may arise in the following

forms

Default risk Exposure risk Recovery risk Country party risk Related party risk

Legal risk Political risk

528 2 Market Risk

Market risk refers to the risk of fluctuation in a variety of markets such as interest rates

prices of securities where the values of assets and liabilities can change and there exists the

risk of incurring losses

528 3 Liquidity Risk

Liquidity risk arises when a company is unable to meet the short term obligation to its lenders

and stakeholders This arises from the adverse mismatch of maturities of assets and liabilities

528 4 Operational Risk

Operational risk is the potential loss arising from a break down in companyrsquos system and

producers internal control compliance requirements or corporate governance practices that

results in human error fraud failure damage of reputations delay to perform or compromise

of the companyrsquos interests by employees



53 Concluding

The importance of sustaining and improving Financial institution and performance are

increasing day by day particularly in an environment which is characterized by rapidly

flourishing technology and its growing application to banking and non banking financial

institution tremendous competition product development shift in marketing strategy

deregulation amp globalization on the one hand and escalation in the number of bank failures

accompanied by mergers and mega mergers on the contrary In order to keep abreast with the

prevailing market scenario it is necessary to develop a comprehensive financial institution

evaluation system

Institutions Evaluation System means a mechanism for improving the likelihood of the

organization successfully implementing its strategy It is a process to have the goal of



strategy implementation In this process senior management selects a series of measures that

best represent the organizationrsquos strategy

The current report aimed at critically examining the Institution Analysis of a private financial

institution The main objective of this report was to Institution of financial analysis of IDLC

finance ltd along with how efficiently are providing services to its customer From Financial

Analysis it has been seen that the financial institution of IDLC finance ltd is really

satisfactory

61 BIBLIOGRAPHY

1 Annual Report from 2011 and 2010

2 Web Site of IDLC-Retrieve from wwwidlccom

3 Financial institution - Wikipedia the free encyclopedia

4 Brochures of IDLC Finance Limited

5 wwwinvestopediacomtermsffinancialinstitutionasp

6 Financial Institutions of Bangladesh - Travel One BD

7 Banks in Bangladesh List of Financial Institutes in Bangladesh

8 Non-bank financial institution - Wikipedia the free encyclopedia

9 httpwwwassignmentpointcomtaginternship-report

10 The_IDLC_Group_Corporate_Profile pdf

11 Non-Bank Financial Institutions - World Bank



12 Financial and Private Sector Development - Non-Bank - World Bank

13 Analysis of Financial Institutions - Financial Training Course

14 Credit Analysis of Financial Institutions Second Edition - Waylon

15 wwwkesdeecompdffinancialanalysispdf

16 rouoweduaucgiviewcontentcgiarticle=1030ampcontext

17 Financial institution Financial Statement Analysis

18Fundamentals of Bank Financial Statement Analysis

19Bank Financial Statement Analysis amp Ratio Analysis

20rouoweduaucgiviewcontentcgiarticle=1029ampcontext

21Credit Analysis of Financial Institutions Second Edition ndash Waymond

62APPENDIX

621 List of Abbreviations

CDBL Central Depository of Bangladesh

CSD Customer Support Desk

CSE Chittagong Stock Exchange

DGEN DSE General Index

DSE Dhaka Stock Exchange Limited

FI Financial Institution

ICB Investment Corporation of Bangladesh

IPO Initial Public Offering

NBFI Non-Banking Financial Institution

OTC Over the Counter Market

PIPE Private Investment in Public Equities

RPO Repeat Public Offering

SEC Securities and Exchange Commission



[Year]

Submitted by

Rajib Alam

2011010000195

Batch No 27th

Section F

Course Code FIN-2122

Course Title

Financial

Management





Abstract


























really satisfy



Acknowledgement














in due time








12 Introduction























































151 Broad Objective













loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX



















Abstract


























really satisfy



Acknowledgement














in due time








12 Introduction























































151 Broad Objective













loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX

















Abstract


























really satisfy



Acknowledgement














in due time








12 Introduction























































151 Broad Objective













loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX

















Acknowledgement














in due time








12 Introduction























































151 Broad Objective













loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX






















12 Introduction























































151 Broad Objective













loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX












































151 Broad Objective













loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX



























loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX





















loan companies

















See also










































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX

















































Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




















Factors

Rank



Advertising 3

Bank Atmosphere 4

31What is Data









(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX





















(numbers)









interval























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX


























secondary data


































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX











































414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




















414 Goal











business practices

416 Core Values









Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX























Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX



















Consumer Finance

Deposit Schemes




Short-term Deposit

Home Loan

Car Loan

Personal Loan

Corporate





Project Finance




2) Advisory service





SME Loan Term Loan



Project Finance






Research

Brokerage Services






















a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




































a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX
























a)Current Ratio

b) Quick Ratio

c) Cash Ratio





c) Operating Cycle









c) Return On Assets

d) Return On Equity



a) Per Share Data





f) PriceSales Ratio

g) Dividend Yield


3) Debt Ratios

a) Overview of Debt

b) Debt Ratio














Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX
























Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




















Lease Finance


Total assets



Net current assets

2977

1255

213

4571

3065

15056

11103

8257

1401

3412

1612

336

4734

3915

17342

12115

8249

1559

3750

1839

317

4383

4789

22681

18792

9780

3645

4345

2121

468

4107

5605

26930

21745

12373

4172

8517

2586

821

4547

6979

31165

25299

16828

3676

9603

2190

7561

1072

2452

1572

1634

3601

-1188


Operational income


Financial expenses

Profit before tax



883

272

1246

475

303

3608

1179

352

1553

708

406

4257

1913

490

1687

1273

822

3546

3047

966

1822

1956

1327

3216

2160

913

2364

1217

500

5888

-2911

-543

2976

-3781

-6230

8308

Financial Ratio








Dividend per share


Dividend yield ()


954

138

1201

237

596

2759

306

400

4963

263

2640

832

146

1211

250

397

2843

410

350

5576

153

2155

848

175

1041

411

343

4105

830

1100

4460

297

4014

630

207

1391

535

284

4364

1341

1000

3467

215

4521

683

151

1311

172

232

1304

505

250

2741

181

4947

844

-2696

-008

-363

-052

-3060

-6230

-7500

-2096

-034

426









Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX























Formula




Equity Statistics






Shareholders equity

2000000

151900

1260

3038

13930

1247

2500000

228900

1628

5723

21262

1611

3000000

370300

2417

11109

34613

2393

6000000

464800

3727

27888

42753

3690

99000000

13850

4021

13712

9829

3980

155000

-9702

787

-5083

-7701

787







Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX





















Formula








Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




















Formula



tan





















Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX

































Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX
























Formula









Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX






















Formula

assetsTotal









the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




















the balance

Formula








Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX




















Formula












losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX
























losses































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX





































52 Recommendations


PROPOSE ARE








market




























525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX










































525 Total asset





526 Profit








6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX






















6147 percent














forms



528 2 Market Risk














53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX

















53 Concluding








evaluation system











satisfactory

61 BIBLIOGRAPHY
























62APPENDIX























satisfactory

61 BIBLIOGRAPHY
























62APPENDIX



























62APPENDIX















Term paper on Financial Institution Analysis of IDLC Finance

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