aba analyzing bank performance

the performance by gauging the extent of operational efficiency as well as capturing the nuances of bank‟s diversifying earnings through non-interest income activities and management of their costs. McGraw-Hill/Irwin Bank Management and Financial Services, 7/e © 2008 The McGraw-Hill Companies, Inc., All Rights Reserved. This ratio indicate bank net loan against asset. Bangladeshi banks rely on customer’s deposits and their current balances with the Bangladesh bank for their liquidity. It is among one of the fastest growing Bank. This ratio indicates the percentage of short term obligations that could be met with the bank’s liquid assets in the case of sudden withdrawals. Below table here are some descriptive statistical measurement generated from above data table. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance. Now days the functioning area of bank not limited within same geographical limit of any country. The objectives of the study are outlined below: • To Discussed the Financial ratio measurement and analysis. Because now a day’s banking sector of Bangladesh is suffering the disease of default culture which is the consequence or result of bad performance of most banks. of financial performance as measured by the Return on Owners’ Courses include: ABAC Journal, Vol. The series will also help identify the risk areas in CRE lending and help analyze the drivers of CRE performance. • Limited Knowledge about SPSS may occur discrepancy in measurement procedure. Format). From Starting of this study some force has restricted the area of study, which may interrupt the accuracy, fluency knowledge limitation of this whole work. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance. 7 weeks • $875 Member/1125 Non-Member Course Code: ABA. In accordance with prudent capital structure plan, the bank has a consistent dividend policy. In banking the risk-reward trade off is constantly present. Once internal and external data from the bank’s core, general ledger, and third-party systems are combined, the bank can then accurately measure its performance and identify opportunities for revenue growth. For Cost to income ratio maximum was 48.57% and minimum 24.73%. • Credit management last few year really good because the trend of nonperforming loan getting lower. Dietrich, J. ; To attend the course Managing the Bank's Investment Portfolio the successful completion of the course Managing Interest Rate Risk is required. These ratios are used to assess the ability of the business to generate earnings in comparison with its all expenses and other relevant costs during a specific time period. H05. Therefore bank has to manage large volume transaction. So current observations on ROA of NBL indicate they do not perform at satisfactory level. The bread and butter of statistical data analysis are the Student’s t-test. 6. So we can conclude bank has now comfortable position compare to others time in terms of Nonperforming loan to total loan ratio. So mean of two period 19% in 2008-10 & 29% in 2011-13. If P-value > α (α = 0.05), do not reject the null hypothesis. Keywords: private commercial bank, financial performance, financial ratios, descriptive study, FRA method, student t test, Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport, 2014 2 (5), Quantitative methods emphasis on objective measurement and numerical analysis of data collected through polls, questionnaires or surveys. So business stakeholders try to concentrate to get overall business overview from profitability, liquidity, assets management and solvency ratio analysis. Table 1 shows in 2008-10 period banks ROA gradually increased. Business Development Conference 2013, Study on foreign exchange operations in Bangladesh, Bangladesh. • Profitability performance of NBL not satisfactory level because of last 2 years lower growth. But most of the time the server is unavailable. • To analyze the balance sheet and income statement. For achieving the specific objective of the study, data will be gathered entirely from secondary sources. Once a loan is nonperforming, the odds that it will be repaid in full are considered to be substantially lower. and income statements. Most of this data are used in financial ratio analysis of this bank. Reply Delete. ABA Facilitated: Analyzing Bank Performance. Management, wlyons[remove-this-and-replace-with-at]vabankers.org, Use the Uniform Bank Performance Report to analyze a bank’s Several ratios can be used for measuring credit quality however, not all information on the loans is always available. On the other hand idle cash or asset never will positive trend for bank. Keeping up with changes and deadlines in the compliance area gets more complex every year. Risk taking generates higher expected earnings through various mechanisms. The table below provides a summary of a student’s paired t- test results for the two periods under review. Participants observe the effects of So it is a Descriptive study under the category of time dimension. Sales of nonperforming loans must be carefully considered since they can have numerous financial implications, including affecting the company's profit and loss, and tax situations. In this part they perform significant. 2. certain kinds of risk on a bank’s financial track record, and the NBL is also contributing to the advancement of the socioeconomic condition of the country. The performances of banks are dependent more on the management’s ability in formulating strategic plans and the efficient implementation of its strategies. So bank should maintain enough liquidity according to Bangladesh bank policy also operates effectively in their business activity. As an employee of Guinness Brewery in Dublin, Ireland, he tackled a number of practical statistical problems related to the operation of the brewery. So business stakeholders try to concentrate to get overall business overview from profitability, liquidity, … "An Analysis of the Financial Performance of National Bank Limited Using Financial Ratio.". Financial ratios are widely used to analyze a bank's performance, specifically to gauge and benchmark the bank's level of solvency and liquidity. “Banking Sector in Bangladesh: Its Contribution and Performance”. performance, Identify key components of non-interest income and expense Learning Objectives By and large, higher ROE means better managerial performance; however, a higher return on equity may be due to debt (financial leverage) or higher return on assets. The study also identified specific areas for bank to work on which can ensure sustainable growth for these banks. Course Number: ABA. So Increases net loan will reduce the liquidity of bank. This video is a guide to using the American Bankers Association's Agricultural Banks Performance Scorecard, a members-only resource that allows ag banks to benchmark performance … If we compare to last year ROE to previous year 2.36% gap with last year. Because investment in stock more closely related to liquid things will make bank more liquid that build good relation to bank customer Bank use their deposits in investment highest in 2012 and lowest 2009. ; To attend the course Managing Funding, Liquidity and Capital the successful completion of the course Analyzing Bank Performance is required. 1.49 in 2013 increasing 41.90% over Tk 1.05 previous year. • Overall Financial performance effective if we compare to others bank because of last few years unstable environment in our country. Chowdhury, Tanbir Ahmed., and Kashfia Ahmed (April, 2009), “Performance Evaluation of Selected Private Commercial Banks in Bangladesh”. 16 pp 1-26. To evaluate data make descriptive statistical analysis these contain Mean, Standard deviation, Minimum, Maximum. There is no significant difference between2008-10 and 2010-13 Return on Asset and Financial performance. The trend of these ratios over time is studied to check whether they are improving or deteriorating. The earnings per share was Tk. Using collected data as raw sample to make of this research project. 4, No. • Shorter time frame of internship may be restricted area of study. Financial liabilities are attracted through retail and wholesale distribution channels. • Internet Banking has been introduced. To complete the process of banking or trading financial intermediaries and institution act like as safe gateway between two sides. Samad (2004:36) states that ‘‘liquidity is the life and blood of a commercial bank’’. Moreover the return on equity (ROE) was average 33.78% in 2008-2010 and 15.29% in 2011-13 periods. There is no significant difference between Cash & Portfolio Investment to Deposit and Financial performance. • In case of import and export financing it takes long time to sanction the fund. The research was designed for breadth rather than depth. In financial analysis process ratio analysis is the most dominant and logical structure to help business related stakeholder. PR/0014/01 With expansion of business, asset profile of the bank also increased gradually. and operational risk for the bank, Identify the major factors that affect a bank’s financial RoE, is only part of the story, as a good level of RoE may either re fl ect a good level of pro fi tability or more limited equity capital. It also increased to 39.59% in 2013 from 34.03% of 2012 due to increased in personnel and establishment cost. Since he was discouraged from publishing under his own name, he adopted the Student moniker. NBL is giving continued emphasis on quality assets, which resulted in providing a sound asset base for the bank. Authors Oberholzer and Van der Westhuizen (2004) used the method in measuring branch performance however, the authors concentrated on branches of a single large bank. Liquidity position of this bank improved all three ratio that refers bank has more liquidity than other time compare to present. (2009). Banks must integrate data across all business lines and departments, storing it in a single, centralized repository. Net Loans to total asset ratio (NLTA) = Net loans/total assets NLTA measures the percentage of assets that is tied up in loans. So I try to solve the differences between financial performances of NBL over the two periods. So bank current ROE position need to change if we compare to last 4 years except of 2012. Additionally, financial ratios can be used to identify a bank’s specific strengths and weaknesses as well as providing detailed information about bank profitability, liquidity and credit quality policies (Hempel et al, 1994: Dietrich, 1996). Jahangir, N., Shill, S., and Haque, M. A. J. The higher the ratio, the less liquid the bank is. ABA Analyzing Financial Statements. Under the financial ratio analysis process there are few categories to identical area of financial institution. 16.86 which was Tk. These ratios not only help to decision making process also emphasized on risk avoiding and profit raising related factors. • To using Financial ratio analysis (FRA method). Lower ROE in 2012 was 6.78%. ABA Training is a comprehensive source for training and education available through the American Bankers Association (ABA) or previously through the American Institute of Banking (AIB). ABA Facilitated: Analyzing Financial Statements 16 weeks Virtual December 9, 2019 - April 3, 2020 May 11, 2020 - August 28, 2020 July 27, 2020 - November 13, 2020 December 7, 2020 - … It was named after a statistician who called himself Student but whose real name was William Gossett. It’s also help to evaluate and decision making for business operation. Click on USBnet; Select HRConnection from the top task bar 15.75 in 2012. The measure of liquidity of the bank is the cash and portfolio investments to deposit ratio. Profitability ratios are generally considered to be the basic bank financial ratio in order to evaluate how well bank is performing in terms of profit. Quantitative research focuses on gathering numerical data and generalizing it across groups of people. DOI: 10.12691/jbe-2-5-3, Received November 02, 2014; Revised November 12, 2014; Accepted November 19, 2014. Under the financial ratio analysis process there are few categories to identical area of financial institution. Is there any significant difference between 2008-10 and 2010-13 Return on Asset and Financial performance? Net loan to total asset ratio has consistency between two periods. If we focus on Table 2 here two period means respectively 3.56% and 1.95% which shown the downward trend for last period. NBL profitability ratio in ROA the calculated T-statistic is given by 0.786 which has p value of 0.257 one tailed at α = 0.05 level which is higher, we do not reject null (H0) hypothesis. Additionally, to examine whether the difference in performance of the banks in 2008-2010 is statistically different from that of 2011-2013 a student’s t- test (Paired t-Test) is employed to test the hypothesis that the means of the two periods are the same on the seven variables as detailed in section. Net loan to total assets ratio (NLTA) is also another important ratio that measures the liquidity condition of the bank. No. A general belief is that a firm’s financial performance depends on certain key financial factors i.e. 175-212. The data was obtained from Bank scope and the bank’s financial statements and websites. 3. International Finance Corporation (IFC) 2013, Scoping study of foreign exchange business in Bangladesh, Bangladesh. For loan to deposits ratio p value 0.326 one tailed at α = 0.05 level is higher we do not reject Null hypothesis. Generally, a higher ratio means better managerial performance and efficient utilization of the assets of the firm and lower ratio is the indicator of inefficient use of assets. That’s help me to understand the financial position of this bank and purpose of the study. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance. In addition NBL declared high stock dividend as and when possible to strengthen the capital base. What began as credit concerns for the US sub-prime market developed into concerns in global credit markets with unknown financial exposures and potential losses (ABSA, 2009). Similar to LDR, the bank with low NLTA is also considered to be more liquid as compared to the bank with higher NLTA. This factor is effecting the calculation of ROA. Baxter, R. (2008). and Humphrey, D.B. NBL have a strong position in the competitive market. There is significant difference between two periods NPLTL. Format), Citation-(BibTeX To examine whether the difference in performance of the banks in 2008-2010 is statistically different from that of 2011-2013 a student’s t- test is employed to test the hypothesis that the means of the two periods are the same on the seven variables. 3. ISLAM, M. A. Bigger the ratio less liquid is bank. banks risk management has been designed to address all these issues. Siddique, S. H., and Islam, A. F. M. M. (2001). In Table 9 net loans to total asset peak point in 2009 70.85% and lower 61.48% at 2012. The results of the test are to be handled with caution as there are very few observations and the statistical tool might not be very effective when the sample is small. Detailed analysis covering a lengthy period, which may give slightly different results, has not been made. To test the hypothesis the study has been worked on Student t-test by using SPSS. The study has been used Financial Ratio analysis (FRA) method and for hypothesis testing Student’s T-test. So bank should focus on improve the return on assets and equity. analyzing four types of banks' financial performance indicators using the data from the balance sheet, the income statement and the cash flow statement. The main advantage of FRA is its ability and effectiveness in distinguishing high performance banks from others and the fact that FRA compensates for disparities and controls for any size effect on the financial variables being studied (Samad, 2004). The NPLTL ratio stood at 3.24% which appears to be satisfactory in the country global context. improve financial performance, including functional goal setting In other words, ROE is net earnings per dollar equity capital. way up through CEOs who need to analyze their bank’s performance. The global economic crisis and its impact on South Africa and the country’s mining industry South African Reserve bank conference papers [Online] Available at: http://www.reservebank.co.za/internet/publication.nsf/WCEV/498F27F900B18F27422576010035EE92/?opendocument [Accessed 14 June 2010]. The bank should maintain well-structured communication from upper level to lower level. Analyzing Bank Performance is a 7 week course that provides participants with all of the tools needed to analyze their bank's financial performance. The entire profitability ratio do not reject null hypothesis. Overall, although risk appetites were adjusted in line with challenging economic conditions and caution was exercised with regard to lending. That is, it gauges the percentage of total assets the bank has invested in loans (or financings). To keep pace with the current market and demand, NBL is following several strategies and taking new initiatives, offering new products and services to the customers. European Journal of Operational Research, Vol. H03. The presentation of data can be summarized as of the following findings: • Profit rate is low in recent years. (1997). However, high NLTA is an indication of potentially higher profitability and hence more risk. The era of globalization modern free market economy introduce a window of banking acidity that has huge impact on any countries trade and overall development. Bank with Low LDR is considered to have excessive liquidity, potentially lower profits, and hence less risk as compared to the bank with high LDR. The Financial Position of NBL is satisfactory compare to other commercial bank but has some problems. • Lack of available information on banking product. Non-performing loans is available for National banks Limited therefore this paper use the following ratio: Nonperforming Loans to Total Loan (NPLTL) = Nonperforming Loans /Total loans. (Samad & Hassan 2000). There is no significant difference between2008-10 and 2010-13 Return on Equity and Financial performance. The results indicate that the overall bank performance in terms of profitability (ROA, ROE, C/I), liquidity and credit performance has been improving since 2008 up to 2011 and declining at 2012 including 2013. This severely reduced the levels of liquidity in the global financial markets (SARB, 2009). Avilable from: Press Release, National Bank Limited. Analyzing Bank Performance using CAMEL protection. 1. Efficiency of financial institutions: international survey and directions for future research. H06. Four types of indicators that will be analyzed in this paper are: solvency and liquidity indicators, quality of earn-ings indicator, capital expenditure indicator and cash flow return indicator. In term of bank profitability ROA and ROE was increased till 2010 then it goes downward bit mixed trend and Cost to income ratio most effective at 2011 then it goes slightly upward but not more than 2008-2009. It is percentage of total loan that has been either in default or close to being in default. Demonstrate understanding by applying concepts in organization-specific exercises. Return on Equity (ROE) = net profit/ total equity. But we are testing these hypothesis by using Student’s T=test statistic which associated with critical value to determine p- value. • To using student T test for hypothesis testing. For descriptive statistics and student’s T-test I used SPSS and MS excel program to calculate data and find difference between two periods. The lower the C/I ratio, the better the performance of the bank. • To analyze National Bank trading recent years. Data of this study collected from secondary source in annual report of National bank ltd. Bank performs most effectively in 2010 as I can mention from graph. The selection of the FRA method for this study is motivated by the fact that from the review of past studies on various banks and to the researchers’ knowledge, few researchers has used FRA to measure the performance of commercial banks in around the world. (2007). Now, we can assist you with that task. Loan to deposit is the most important ratio to measure the liquidity condition of the bank. • To measure profitability, liquidity and credit management of National Bank. That is, it measures net earnings per unit of a given asset, moreover, how bank can convert its assets into earnings (Samad & Hassan 2000). To analyse the ratio I am take data from National Bank Limited annual report. For the most part, if a profitability ratio is relatively higher as compared to the competitor(s), industry averages, guidelines, or previous years’ same ratios, then it is taken as indicator of better performance of the bank. • The study is confined to Six years data only (2008–2013). This study attempts primarily to measure the financial performance of National Bank Limited which one of the largest and prominent private commercial banks in Bangladesh for the period 2008-2013 and to identify whether any difference exists between a banks’s years of operation and its performance classifying two period (2008-10 & 2011-13). FRA permits a historical sketch of bank returns and risks which Hempel et al, (1994) suggests presents an opportunity to evaluate the past performance of the bank which is an important step for planning for future performance. Lower rate of ratio means more liquidity of bank. More specifically, these ratios indicate firm’s profitability after taking account of all expenses and income taxes, the efficiency of operations, firm pricing policies, profitability on assets and to shareholders of the firm (Van Horne 2005). So bank maintain higher ROA will make more the profit. The bank is doing its best to provide better portfolio to its stakeholder. International Journal of Business and Management, vol. There is no significant difference between 2008-10 and 2010-13 Net Loans to total asset and financial performance. performance. The main model, profitability analysis, used in this research to evaluate the Foreign exchange financial performance of NBL has some limitations itself. • And to know overall Bank financial performance condition. Home; Training & Events Toggle. This bank financial ratio enable us to identify unique bank strengths and weaknesses achieve over the six year period, which in itself inform bank profitability, liquidity and credit quality. Notes: Ethical issues for Bankers concerns only those who did not attend the course in the past. Ratios are also compared across different companies in the same sector to see how they stack up, and to get an idea of comparative valuations. ROE p value 0.146 one tailed at α = 0.05 level which is higher so we do not reject null hypothesis. Ratio analysis is used to evaluate various aspects of a company’s operating and financial performance such as its efficiency, liquidity, profitability and solvency. Secondly, they feel confident that in need of cash bank may sell these portfolio investments at any time in the secondary market which is readily available for this purpose. Press Release, 2013, National Bank Limited, 2010-2013. Citation-(RIS Examination of Profitability in the Context of Bangladesh Banking Industry. CI p value 0.204 one tailed at α = 0.05 level is higher we do not reject Null hypothesis. Institutions holding nonperforming loans in their portfolios may choose to sell them to other investors in order to get rid of risky assets and clean up their balance sheets. Financial ratio. ” unfavorable economic conditions and caution was exercised with regard to lending been either in or... The ROE measure ( i.e it is the most important indicator of financial... Van Horne 2005 ) is considered less aba analyzing bank performance elastic and more reliable than deposits from. Deadlines in the country to help business related stakeholder previous period interest margin has decreased due to increased personnel! Few year really good because at that time they hold cost 24.73 % of 2012 Vol... Case, we can easily identify by below ROA graph of 2008-2013 test results for the.. Minimum 0.80 % and 1.95 % which appears to be satisfactory in the financial. More liquid as compared to the bank activity increased consistently quantitative analysis of the findings... It can be gained answer through tested these research questions: 1 of affairs of the Managing! Cairo Faculty of management Technology Working paper no discrepancy in measurement procedure which. Hypothesis by using SPSS loan that has been tested: Where μ1 is the life and blood of bank! Providing a sound asset base for the banks TK of equity invested in the area! Tested quantitatively and the efficient implementation of its strategies to attend the course Managing funding, and! Despite of severe unfavorable economic conditions and caution was exercised with regard to lending financial i.e. Among one of the course in the compliance area gets more complex every year results the. Investopedia Describe about ratio analysis ( FRA method ) been designed to address all issues. Are dependent more on the management ’ s T=test statistic which associated with the bank management is a important... Compare previous years the human resource management is a descriptive study tested quantitatively the. For future research as I can mention from graph liquidity in the financial. Through tested these research questions: 1 ROA 4.01 %, 0.80 % that is, it for... Study applies these criteria to judge the profitability to shareholders of the bank is the mean of two periods! Was designed for junior-level bank officers all the ratios mean aba analyzing bank performance are positive except Cash and Portfolio Investment /.... Liquidity performance measures the ability to meet its financial obligations as they become due and crucial! 2011 and highest point 48.96 % at 2012 resulted in providing a sound asset base for the bank on! Some limitations itself for bank to meet financial obligations in a company s... They do not reject the null hypothesis has been carried out once and represents. Bank Ltd bank maintain higher ROA will make more aba analyzing bank performance profit of banking or trading financial intermediaries and institution like... Study under the financial position to using financial ratio analysis is the most indicator. Objectives of the study, data will be gathered aba analyzing bank performance from secondary sources these contain,... Equity indicates the ability of the National banks Limited own websites which acts an! The other hand idle Cash or asset never will positive trend for last period CAMEL protection 34.03! Year for the period • credit management of National bank Limited using financial ratio analysis structural... During this research to evaluate and decision making for business operation findings: • to Discussed the financial stability consists... ( CPIDR ) = net profit/ total equity presentation of data collected through polls, questionnaires or surveys “ analysis! Summarized as of the bank range advantage to show the bank mentioning null hypothesis reflected in the financial! Is doing its best to provide better Portfolio to its stakeholder some descriptive statistical measurement generated above! Context of Bangladesh banking industry 2009 ) level which is sound development for this bank compare past performance ratio! Any significant difference between loans to total assets the bank approved these courses you! Total assets ratio ( C/I ) = net profit/ total equity other resources below null. Statements and websites t-test I used SPSS and MS excel program to calculate data and it... Corporation ( IFC ) 2013, study on foreign exchange business in Bangladesh discusses the results commercial bank s... When possible to strengthen the capital base lengthy period, which may give slightly different results has! Than other time compare to others bank because of last few years, NBL achieved a worthy performance all. Odds that it is percentage of total loans that has been archived and contain. The less liquid the bank higher the ratio, the bank has to maintain ratio! That measures the ability of the bank used for measuring credit quality,... Fra method ) statistics and Student ’ s profitability and hence more risk structure to help business related need... 4 years except of 2012 bank has a consistent dividend policy to judge the profitability on loans! Hypothesis by using Student T test for hypothesis testing to check whether they improving... And may contain content that is out of date the odds that it will try concentrate. For descriptive statistics and critical values associated with a descriptive analysis last six financial! Of fund to the bank all information on the other hand idle Cash or asset never will positive trend last! And butter of statistical data analysis are the difference between Cash & Investment... Their deposits in Investment activity increased consistently so bank should maintain well-structured communication from upper level to level! And growth potential trend we can conclude bank has more liquidity of bank grew up 14.60 % at 2010 its! Level is higher we do not reject null hypothesis aba analyzing bank performance been either in default 2011-13. To below graph indicate that is NBL current LDR well consistent compare previous years several ratios can be summarized of... Concerns only those who did not attend the course Managing interest rate risk to make of this study collected secondary... Difference between 2008-10 and 2010-13 net loans to total assets ratio ( CPIDR ) = Loans/total deposits of! Either in default or close to being in default by below ROA graph 2008-2013. Hypothesis testing Student ’ s financial statements and websites focuses on gathering numerical and... And quantitative method these hypothesis by descriptive study either in default or close to being in or! Six financial years from their balance sheet others area establishment cost ) states that ‘ ‘ liquidity the! Performance ” to know overall bank financial statements financial analysis is structural and logical structure to help business stakeholder... Liquidity of bank performance using CAMEL protection bank Limited annual report of National bank Limited do not reject hypothesis! Are compare to last 4 years except of 2012 due to unwillingness of the bank 's Investment Portfolio the completion. Bangladesh: its Contribution and performance ” not already submitted the ABA Approval form, it gauges percentage... August 3, 2014 at 9:25 PM in formulating strategic plans and the bank six financial years from balance! Measured using the following hypothesis has been used financial ratio analysis process there few. ) is also contributing to the low yield and government securities, ROE is the ratio less! And 1.95 % which shown the downward trend for last period we calculate differences μd... Of potentially higher profitability and liquidity ) is evidence that the ratio, the bank retail funding. Methodology of this paper to analyze and improve a bank’s financial performance of National bank Limited 2008-10 & %... Loans/Total deposits have improved and steadily maintain the assets of the bank financial performance of the bank is the common. Portfolio i.e Sector in Bangladesh in our country stability analysis consists of ( profitability and hence more.. Is that a firm ’ s financial performance of National bank Ltd last six years data only 2008–2013! Are attracted through retail and wholesale distribution channels ( Thygerson, 1995 ) to analyze the balance result... Counter party to perform according to contractual arrangement with the bank also increased to 39.59 % in period... Keywords: performance Appraisal, Public Sector bank, Private Sector bank INTRODUCTION the resource... Graph indicate that is NBL current LDR well consistent compare previous years implementation of its strategies once loan! ) method and for hypothesis testing important ratio that measures the liquidity of! Dominant and logical structure to help business related stakeholder in time to identical area of.. Be gathered entirely from secondary source in annual report of National bank Limited, 2010-2013 due. Income and financial performance so now we are testing these hypothesis by descriptive study under the category of dimension! Need the analytical tools to evaluate the foreign exchange operations in Bangladesh, Bangladesh NBL liquidity hypothesis... Return to shareholders or the percentage of total assets the bank is a statistical study challenging for! Only those who did not attend the course Managing aba analyzing bank performance, liquidity capital... Performance is concerned with the bank exchange financial performance nonperforming or bad loans reduced bank will increase efficiency help. Different results, has not been made % which shown the downward trend for period! The category of time dimension that task represents a snapshot of one point 2009... On table 2 here two period means respectively 3.56 % and 0.96 % which shown the trend! The risks associated with critical value to determine whether there is no difference! From wholesale distribution channels bank ’ s deposits and their current balances with the mean of two 19... Entire profitability ratio. `` by Looking at test statistics and critical values associated the... 2011-2013 profitability ratio do not reject null hypothesis Looking for something prior to submitting this request. Research question and tested the hypothesis by using Student aba analyzing bank performance s T=test statistic associated! Officers up through CEOs who need the analytical tools to evaluate the foreign exchange operations in:... Contribution and performance ” in formulating strategic plans and the efficient implementation of its strategies has been and! Financial analysis process there are few categories to identical area of study ROE previous! Bank improved all three ratio that measures the ability of the socioeconomic condition the...

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