The advances to Deposits Ratio in its operation in year 2012 and year 2013 was slow; however it is double in year 2012. Net profit in relation to the Interest earned is highly increased due to an unusual increase in the other income. On the other hand the net profit in the year 2013 has been decreased as compare to the year 2012.
The advances to Deposits Ratio in its operation in year 2012 and year 2013 was slow; however it is double in year 2012. Net profit in relation to the Interest earned is highly increased due to an unusual increase in the other income. On the other hand the net profit in the year 2013 has been decreased as compare to the year 2012.
The advances to Deposits Ratio in its operation in year 2012 and year 2013 was slow; however it is double in year 2012. Net profit in relation to the Interest earned is highly increased due to an unusual increase in the other income. On the other hand the net profit in the year 2013 has been decreased as compare to the year 2012.
iii. Interpretation of Ratio: As ratio is going higher and higher as compare to previous years which explains that. The advances to deposits ratio in its operation in Year 2012 and Year 2013 was slow; however it is double in Year 2012.
11. Operating Cash Flow Ratio
i. Ratio Formula:
Operating Cash Flow (Current Maturities of Long term debts+ Notes Payable) ii. Calculation:
Year 2013
Year 2012
268530/ 371284 = 72.32%
249887/ 328875 = 75.98%
Year 2013
Year 2012 36199585/ 22565 = 54.70%
10811077/ 18700 = 56.34%
iii. Interpretation of Ratio:
This ratio indicates the percentage of net profit to the Mark-up earned and expensed and the Banks overall profitability. The above graph shows that in the year 2012 the net profit in relation to the Interest earned is highly increased due to an unusual increase in the other income. On the other hand, the net profit in the year 2013 has been decreased as compare to the year 2012.
12. Dividend per Share
i. Ratio Formula:
Dividend Paid Number of bonus shares in issue
ii. Calculation:
iii. Interpretation of Ratio:
This ratio indicates the percentage of earning per share is much low in 2012 while on the other hand bit increased in 2013 and remained excellent at end.
13. Earnings -per Share
v. Ratio Formula:
Net Income - Dividends on Preferred Stock Average Outstanding Shares
Year 2013
Year 2012 2979352/ 3577722 = 0.83 times
2073173/ 2866721 = 0.72 times
ii. Calculation:
iii. Interpretation of Ratio: This ratio indicates the percentage of earning per share is much low in 2012 while on the other hand bit increased in 2013 and remained excellent at the end.
14. Price / Earnings per Share
ix. Ratio Formula:
Market value per Share EPS ii. Calculation:
iii. Interpretation of Ratio: This ratio indicates the percentage of price to earnings per share is much low in 2013 while on the other hand bit increased in 2012 and remained excellent at the end.