Standard Bank Ltd
6. Financial Performance Analysis
With the help of 5 years balance sheet and income statement managed from the Annual Reports of Standard Bank Limited I have done the following ratio analysis.
Financial indicators in the last six years
|Item |Ratio |2007 |2006 |2005 |2004 |2003 |
|Earning Ability |Return on Equity |20.59% |16.71% |23.16% |16.05% |10.94% |
| |Return on Assets |2.19% |2.11% |1.25% |087% |0.99% |
| |Net Interest Margin |3.89% |3.74% |2.86% |2.30% |3.93% |
| |Earning Base in Assets |95.21% |99.42% |93.94% |95.70% |87.49% |
|Productivity |Deposit Per Branch |485.00 |374.16 |315.50 |274.91 |228.23 |
| |Deposit Per Employee |21.56 |17.32 |15.65 |16.82 |8.41 |
| |Advance Per Branch |433.38 |330.14 |268.90 |236.52 |83.53 |
| |Advance Per Employee |19.26 |15.28 |13.34 |9.85 |3.08 |
| |Net Profit Per Branch |13.59 |10.12 |5.08 |3.53 |2.59 |
| |Net Profit Per Employee |0.604 |0.469 |0.248 |0.131 |0.095 |
|Cost – Efficiency |Manpower Expense to Total Expense |13.35% |11.96% |16.71% |18.37% |9.28% |
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With the help of 5 years balance sheet and income statement managed from the Annual Reports of Standard Bank Limited I have done the following ratio analysis.
Financial indicators in the last six years
|Item |Ratio |2007 |2006 |2005 |2004 |2003 |
|Earning Ability |Return on Equity |20.59% |16.71% |23.16% |16.05% |10.94% |
| |Return on Assets |2.19% |2.11% |1.25% |087% |0.99% |
| |Net Interest Margin |3.89% |3.74% |2.86% |2.30% |3.93% |
| |Earning Base in Assets |95.21% |99.42% |93.94% |95.70% |87.49% |
|Productivity |Deposit Per Branch |485.00 |374.16 |315.50 |274.91 |228.23 |
| |Deposit Per Employee |21.56 |17.32 |15.65 |16.82 |8.41 |
| |Advance Per Branch |433.38 |330.14 |268.90 |236.52 |83.53 |
| |Advance Per Employee |19.26 |15.28 |13.34 |9.85 |3.08 |
| |Net Profit Per Branch |13.59 |10.12 |5.08 |3.53 |2.59 |
| |Net Profit Per Employee |0.604 |0.469 |0.248 |0.131 |0.095 |
|Cost – Efficiency |Manpower Expense to Total Expense |13.35% |11.96% |16.71% |18.37% |9.28% |
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