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Submitted by:
Nirvika Mohan
PGDM - Finance
Company Overview
DBS Bank Ltd is a Singaporean Bank known as
Methodology
Spreading of financial data from annual reports
Computation of relevant ratios
Preparing a camels analysis on the banks and nbfc.
sector banks
Capitalization
Capitalization levels continued to remain strong with
Asset Quality
Banks balance sheet total assets grew by 20% in FY
Management team
HDFC banks risk management is considered to be
Earnings profile
Total net operating income increased by 19% to USD
4.9B.
Net interest income increased by 21.2% to USD 3.5B
Operating profitability margin also increased
marginally to 1.8%
PAT increased by 20% to USD 1.6B
ROAA and ROAE in FY15 stood at 1.9% and 19.4%
respectively
Funding
Total Liabilities excluding networth increased by 18%
Conclusion
The Bank can be evaluated well based on its strong
Methodology
Primary Research which involved telephonic survey.
Meeting Traders to understand the FX All platform
For new onboardings, liaising between clients back
Findings
Stale pricing
Wide bid ask quotes compared to other banks.
Rejection issues due to the minimum notional amount
or latency.
Clients want RFQ for swaps which DBS is not
providing at the moment.
Recommendations
DBS should refresh their quotes on timely basis to
Conclusion
DBS being a late entrant in the Efx space for Indian