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Welcome to our Presentation

About
EXIM Bank Bangladesh
Limited
Md. Mostafa Anwar
072-11-1808
Dewan MD. Jahangir
Alam
072-11-1800
Md. Shahab Uddin

072-11-1829
Mrs. Labony Islam
071- 11 -
1545
MD. Samiul Islam
072-11-1811
Alauddin Ahmed
Jahan
Introduction
Bank:
From the Italian banca meaning 'bench', the table at
which a dealer in money worked. A bank is now a
financial institution which offers savings and Cheque
account, makes loans and provides other financial
services, making profits mainly from the difference
between interest paid on deposits and charged for
loans, plus fees for accepting bills and other services.
Background of EXIM Bank
EXIM Bank Limited was established in 3rd August1999
under the leadership of Late Mr. Shahjahan Kabir, founder
chairman.

Mission & Vision


Their vision and mission are stated in the following bullets:
•To be the finest bank in the banking arena of Bangladesh under the
Shariah guidelines.
•To maintain Corporate and business ethics.
•To become a trusted repository of customers' money and their financial
advisor.
•To display team spirit and professionalism.
•To have a Sound Capital Base.
•To provide excellent quality Customer service
Chapter-02
Profile of the Company

Name of the Company: EXIM Bank Limited.


Type: Limited.
Founded: 3rd August, 1999.
Headquarter: Printers Building, 5, Rajuk Avenue (5, 6, 10 &13th
floor), Motijheel C/A, Dhaka-1000, Bangladesh.
Key People: Md. Nazrul Islam Mazumder. (Chairman).
Nature of Business: To improve The Banking sector.
Products: Investment / Finance, Deposit, Foreign Currency Deposit,
Moradabad Savings Scheme etc.
Capital: The authorized capital and paid up capital of the bank are
Tk. 1000.00 million and Tk 313.87 million respectively.
Revenue: 1,199,490,935 BD.TK. (2006)
Net Income: 650,292,342 BD.TK. (2006)
Website: www.eximbankbd.com.
Chapter-03
Key Profitability Ratios of Exim Bank
Return on Equity Capital (ROE): It measures the net benefit that the stock holders
have received from investing their capital in the company.

NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital

Return on Equity Capital (ROE) for the year 2001:


NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital
158057633
=
407247808
= 0.38811
Return on Equity Capital (ROE) for the year 2002:
NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital
201422785
=
551331921
= 0.3653
Return on Equity Capital (ROE) for the year 2003:
NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital
254792156
=
748274077
= 0.3405
Return on Equity Capital (ROE) for the year 2004:
NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital
381798163
=
1400004740
= 0.2727
Return on Equity Capital (ROE) for the year 2005:
NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital
555335174
=
1912421914
= 0.2903
Return on Equity Capital (ROE) for the year 2006:
NetIncomeAfterTaxes
Re turnonEquityCapital ( ROE ) =
TotalEquityCapital
650292342
=
3111685079
= 0.2089
Interpretation:
Company position is not well position because, year 2001 Return on equity capital
0.388%; 2002 ROE 0.3633%; 2003 ROE 0.340%; 2004 ROE 0.272%; 2005 ROE
0.290%; and 2006 ROE 0.208%; so year by year ROE is decrease. The company
wants the best position so, must be increasing ROE.
Return on Assets (ROA): ROA provides an idea of the overall return on investment
earned by the firm. It is primarily an indicator of managerial efficiency indicating how
capably the management of a bank has been converting the bank’s assets into net
earnings.
NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets

Return on Assets (ROA) for the year 2001:

NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets
158057633
=
8035327840
= 0.0196
Return on Assets (ROA) for the year 2002:
NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets

201422785
=
11374702415
= 0.0177
Return on Assets (ROA) for the year 2003:
NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets
254792156
=
17888657386
= 0.01424
Return on Assets (ROA) for the year 2004:
NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets
381798163
=
24355751451
= 0.0156
Return on Assets (ROA) for the year 2005:
NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets
555333174
=
33716699328
= 0.0164

Return on Assets (ROA) for the year 2006:


NetIncomeAfterTaxes
Re turnonAssets ( ROA) =
TotalAssets
650292342
=
41793540962
= 0.0155
Interpretation:
ROA means Return on Assets; we have analyzed last six years company annual report.
ROA definition or meaning we say that company is not very well position and
company is not very bad position. This position is middle position. Because 2001 ROA
0.0196 %; 2002 ROA 0.0177%; 2003 ROA 0.01424 %; 2004 ROA 0.0156%; 2005
ROA 0.0164 %; and 2006 ROA 0.0155 %; so we can say that company is the middle
position. Every year company ROA is increased and decreased.
Net Interest Margin:
NetInterestIncome
NetInterestM arg in =
TotalAssets

Net Interest Margin for the year 2001:


NetInterestIncome
NetInterestM arg in =
TotalAssets
100012972
=
8035327840
= 0.0124
Net Interest Margin for the year 2002:
NetInterestIncome
NetInterestM arg in =
TotalAssets
203875587
=
11374702415
= 0.0179
Net Interest Margin for the year 2003:
NetInterestIncome
NetInterestM arg in =
TotalAssets
274772354
=
17888657386
= 0.0153

Net Interest Margin for the year 2004:


NetInterestIncome
NetInterestM arg in =
TotalAssets
394772275
=
24355751415
= 0.0162
Net Interest Margin for the year 2005:
NetInterestIncome
NetInterestM arg in =
TotalAssets
639544675
=
33716699328
= 0.0189

Net Interest Margin for the year 2006:

NetInterestIncome
NetInterestM arg in =
TotalAssets
854477947
=
41793540962
= 0.0204
Interpretation:
The net interest margin measures how large a sprees between interest
revenues and interest cost’s management has been able to achieve by
close control over the banks earning assets and the pursuit of the chiefs
sources of funding. We have analyzed last six years company annual
report. We say that company Net interest margin is year by year increase
.So it is well aspect for the company.
Net Non Interest Margin
NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets
Net Non Interest Margin for the year 2001:
NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets
384313885
=
8035327840
= 0.0478

Net Non Interest Margin for the year 2002:


NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets

319534644
=
11374702415
= 0.0280
Net Non Interest Margin for the year 2003:
NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets
565831380
=
17888657386
= 0.0316

Net Non Interest Margin for the year 2004:


NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets
824304712
=
24353751451
= 0.0338

Net Non Interest Margin for the year 2005:


NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets
972024542
=
33716699328
= 0.0288
Net Non Interest Margin for the year 2006:
NetNonInterestIncome
NetNonInterestM arg in =
TotalAssets
1159478403
=
41793540962
= 0.0277
Interpretation:
The ratio measures the amount or non-interest margin coming from deposit service charges and
other service fees relative to the amount of non-interest costs incurred (such as salaries and
wages, repair and maintenance costs on bank facilities, and loan-loss expenses). So company
position is reasonably good.
Net Bank Operating Margin:
TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets

Net Bank operating Margin for the year 2001:


TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets
419547616 − 145693783
=
8035327840
= 0.03408

Net Bank operating Margin for the year 2002:


TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets
588189470 − 201392457
=
11374702415
= 0.034005
Net Bank operating Margin for the year 2003:
TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets
840603734 − 277941810
=
17888657386
= 0.03145

Net Bank operating Margin for the year 2004:


TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets
1219076987 − 383269574
=
24355751451
= 0.034316

Net Bank operating Margin for the year 2005:


TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets
1611569217 − 435806139
=
33716699328
= 0.03487
Net Bank operating Margin for the year 2006:
TotalOperting Re venue − TotalOperating exp anses
NetBankOperatingM arg in =
TotalAssets
2013956350 − 635283277
=
41793540962
= 0.032987
Interpretation:
Operating margin gives analyses an idea of how much a bank makes from each dollar of loans,
before interest and taxes. We have analyzed last six years company annual report. We can say
that company 2001 Net bank operating margin in 0.03408% 2002 Net bank operating margin in
0.03400%; 2003 Net bank operating margin in 0.03145%;2004 Net bank operating margin in
0.03431%; 2005 Net bank operating margin in 0.03487%; 2006 Net bank operating margin in
0.03298% . So 2005 is best.
Earnings per share
NetIncomeAfterTaxes
Earningpershare( EPS ) =
CommonEquityshareunters tan ding

Earnings per share 2001


62.44%
Earnings per share 2002
79.14%
Earnings per share 2003
81.18%
Earnings per share 2004
60.82%
Earnings per share 2005
555335174
Earningpershare( EPS ) =
11425050
48.61%

Earnings per share 2006

650292342
Earningpershare( EPS ) =
14955028
43.4831%
Interpretation:
EPS indicates the per share earnings after taxes that an investor is
entities to get. We have analyzed last six years company annual report.
We can say that company earnings per share year by year decreasing. So
company is not good position.
Findings:
Positive:
owe can say that company ROA is well position
oAmong six years company net interest margin is reasonably
good.
oBased on Islami Shariah.
oNet Bank Operating margin is well.

Negative:
oROE is not suitable for company.
oEarnings per share are decreasing.
Conclusion:
We would like to mention that so far Exim Bank
Bangladesh Limited has developed lot of
concerns of banking sector. Exim Bank
Bangladesh Limited is an Islami Shariah based
bank in Bangladesh. They know that all dreams
became realistic due to their endless efforts and
strong commitment.
.
Thank
You