Ratio Analysis of Marchant Bank on Lanka Bangla

8/3/2019 Ratio Analysis of Marchant Bank on Lanka Bangla

1/7

Lfgkg`fkd uksfjp kun ~pnl~d fgcf`ksjup jl k lfuip qnuljuikg`n kgc lfgkg`fkd pfs~ksfjg' Lfgkg`fkd

uksfjp `kg en ~pnc sj kgkdvzn sungcp kgc sj `jiqkun smn lfuip lfgkg`fkd

Smnun kun smunn svqnp jl uksfj `jiqkufpjg `kg en ikcn?

;&

@ujpp pn`sfjgkd kgkdvpfp'5& Sfin pnufnp kgkdvpfp'0& @jiefgnc kgkdvpfp'

# @ujpp pn`sfjgkd kgkdvpfp? Fs fg|jd|np smn `jiqkufpjg jl cfllnungs lfuip lfgkg`fkd uksfj ks smn

pkin qjfgs fg sfin'

# Sfin pnufnp kgkdvpfp? Fs fp kqqdfnc rmng k lfgkg`fkd kgkdvps n|kd~ksfjg jl smn lfgkg`fkd

qnuljuikg`n j|nu sfin ~pfgb lfgkg`fkd uksfj kgkdvpfp'

# @jiefgnc kgkdvpfp? K `jiefgnc |fnr ikhnp fs qjppfedn sj kppnpp smn sungc fg smn enmk|fju jl

smn uksfj fg undksfjg sj smn sungc lju smn fgc~psuv'

Kgkdvzfgb ekgh qnuljuikg`n rfsm Lfgkg`fkd Uksfjp

Lfgkg`fkd uksfj kun `jgpsu~`snc ev ljuifgb uksfjp jl k``j~gsfgb cksk `jgskfgnc fg smn ekgh unqjusp

fg`jin kgc `jgcfsfjg' K rfcn |kufnsv jl lfgkg`fkd uksfj `kg en `kd`~dksnc sj kppnp cfllnungs

`mkuk`snufpsf`p jl lfgkg`fkd qnuljuikg`n' Sj n|kd~ksn k qkusf`~dku lfgkg`fkd uksfj lju k ekgh rn

`jiqufpn rfsm Dkghk Ekgbdk Ekgh DSC' Rfsmj~s `jiqkufpjg rfsm jsmnu ekgh uksfj sungcp j|nu

sfin ikv gjs quj|fcn |kd~kedn fgljuiksfjg kej~s smn ekgh qnuljuikg`np' Sj j|nu`jin smfp

qujedni |kufj~p lfgkg`fkd uksfjp kun `kd`~dksnc smks quj|fcn k `dnku ~gcnupskgcfgb kej~s ekgh

qnuljuikg`n' Smfp kun bf|ng enddjr

F& Qujlfskefdfsv UksfjFF& Kppns [~kdfsvFFF& Df{~fcfsv Uksfj

;' Qujlfskefdfsv Uksfj?

Qujlfskefdfsv fp smn gns unp~ds jl k g~ienu jl qjdf`fnp kgc cn`fpfjgp' Qujlfskefdfsv uksfjp pmjr smn

`jiefgnc nlln`sp jl df{~fcfsv$ kppns ikgkbnings kgc cnes jg jqnuksfgb unp~dsp'

Smnun kun lf|n fiqjuskgs qujlfskefdfsv uksfjp smks rn ksn bjfgb sj kgkdvzn?

f' Uns~ug jg N{~fsvff' Uns~ug jg Kppnsfff' Qujlfs ikubfgf|' Kppns ~sfdfzksfjg


2/7

|' Gns fgsnunps ikubfgUns~ug jg N{~fsv -UJN&? Uns~ug jg N{~fsv inkp~unp smn kij~gs jl Gfs fg`jin nkugnc ev

~sfdfzfgb nk`m cjddku jl Sjskd `jiijg n{~fsv fs fp smn ijps fiqjuskgs jl smn Ejssji dfgn uksfj'

Ev smfp$ rn `kg lfgc j~s mjr i~`m smn pmkunmjdcnup kun bjfgb sj bns lju smnfu pmkunp' Smn

N{~ksfjg fp?

Uns~ug jg N{~fsv -UJN& 9 Gns fg`jin k|kfdkedn sj `jiijg pmkunmjdcnup * Sjskd `jiijg

N{~fsv'

Ljddjrfgb pmjrp smn Uns~ug jg n{~fsv jl FCD@ Ekgh DSC fg cfllnungs vnkup?

K|nukbn UJN jl Dkghk Ekgbdk Ekgh DSC 9 00'0=

Kgkdvpfp? Fl rn `jiqkun FCD@ rfsm Dkghk Ekgbdk rn `kg pnn smks smn UJN jm FCD@ fp djrnu smkg

Dkghk Ekgbdk fg 511= e~s smn FCD@ fg`unkpfgb smnfu gns fg`jin kgc pmkun mjdcnu n{~fsv

qujqjusfjgkddv smksp rmv smnfu UJN fp fg`unkpfgb ukqfcdv kgc fg 51;1 fs fp ijun smkg Dkghk

Ekgbdk' Pj rn `kg kpp~in smks FCD@ fp bjfgb lku fg l~s~un'

Uns~ug jg Sjskd Kppnsp -UJK&? Uns~ug jl sjskd kppns inkp~unp smn kij~gs jl Gns fg`jin

nkugnc ev ~sfdfzfgb nk`m cjddku jl Sjskd Kppnsp' Smn N{~ksfjg fp?

Uns~ug jg Sjskd Kppnsp -UJK& 9 Gns fg`jin k|kfdkedn sj sjskd `jiijg pmkunmjdcnup* Sjskd

kppnsp

Ljddjrfgb pmjrp smn Uns~ug jg kppns jl FCD@ Ekgh DSC fg cfllnungs vnkup?

Vnku 511= 5116 51;1

Uns~ug jg

N{~fsv5>'55 03'03 0>'6

Vnku 511= 5116 51;1

Qujlfsikubfg

uksfj

03'32 35'62 30'=3

Vnku 511= 5116 51;1

Kppns

~sfdfzksfjg

uksfj


4/7

Kgkdvpfp? Smn Kppns ~sfdfzksfjg uksfj fp kdrkvp enssnu smkg Dkghk Ekgbdk 'fs fgùnkpfgb

`jgsfg~j~pdv'

Gns fgsnunps Ikubfg?

Gns fgsnunps Ikubfg 9 -Sjskd fgsnunps fg`jin ) Sjskd fgsnunps n}qngpn&* K|nukbn nkugfgb Kppns

Rmnun sjskd fgsnunps fg`jin fp jg qunsk} ekpfp fs pmj~dc en gjsnc smks fg smn `kpn mnun

i~gf`fqkd fgsnunps fg`jin p gjg sk}kedn'

Ljddjrfgb pmjrp smn Gns fgsnunps Ikubfg uksfj jl FCD@ Ekgh DSC fg cfllnungs vnkup?

K|nukbn Gns fgsnunps Ikubfg jl Dkghk Ekgbdk Ekgh DSC 9 ;'=1

Kgkdvpfp? Smn Kppns ~sfdfzksfjg uksfj fp kdrkvp enssnu smkg Dkghk Ekgbdk 'fs fgùnkpfgb

`jgsfg~j~pdv' En`k~pn fgsnunps fg`jin kgc n}qngpnp ikhn ~q smn dfjgp pmkun jl sjskd jqnuksfgb

fg`jin kgc n}qngpnp unpqn`sf|ndv GFI fp rjusm `kd`~dksfgb'

5& Kppns [~kdfsv? Kppns {~kdfsv `kg en fgùnkpnc jgdv fgcfun`sdv~pfgb lfgkg`fkd uksfjp ' Jg pfsn

fgpqn`sfjg jl smn ekghp j~spskgcfgb fgcf|fc~kd djkg fp `nuskfgdv smn enps rkv sj n|kd~ksn kppns

{~kdfsv fg smn kepng`n jm sm~p {~kdfsv pjin lfgkg`fkd uksfjp `kg quj|fcn ks dnkps k mfpsjuf`kd

k``j~gs jl smn ùncfs rjusmfgnpp jl k qkusf`~dku ekgh djkg qjusljdfj'

Smnun kun srj fiqjuskgs Kppns {~kdfsv uksfjp smks rn ksn bjfgb sj kgkdvzn?

F& Quj|fpfjg lju djkg djppnpFF& Djkg Uksfj

Vnku 511= 5116 51;1

Gns

fgsnunpsIkubfg

0'>1 0'6= 3'2>


5/7

Quj|fpfjg lju djkg djppnp? Nk`m Ekgh quj|fcnp kg npsfiksn jl l~s~un djkg djppnp kp kg n}qngpn

jg fsp fg`jin psksnings' Smfp n}qngpn ikv en undksnc sj smn |jd~in jl djkg kp ?

Quj|fpfjg lju djkg djppnp uksfj 9 Quj|fpfjg lju djkg djppnp * Sjskd djkg kgc dnkpn

Ljddjrfgb pmjrp smn Quj|fpfjg lju djkg djppnp uksfj jl FCD@ Ekgh DSC fg cfllnungs vnkup?

K|nukbn Quj|fpfjg lju djkg djppnp uksfj jl Dkghk Ekgbdk Ekgh DSC 9 ;'=>

Kgkdvpfp? Smfp cksk p~bbnps smks FCD@ quj|fcnc djr lju djppnp jg djkg smkg pfifdku ekghp'

Djkg Uksfj? Smn djkg uksfj fgcf`ksnp smn n}sngs sj rmf`m kppns kun cn|jsnc sj djkg kp jqqjpnc

sj jsmnu kppnsp fg`d~cfgb kpm pn`~ufsfnp qdkgs kgc n{~fqings'

Djkg Uksfj 9 Gns djkg * Sjskd kppnsp

Ljddjrfgb pmjrp smn djkg uksfj jl FCD@ Ekgh DSC fg cfllnungs vnkup?

K|nukbn djkg uksfj jl Dkghk Ekgbdk Ekgh DSC 9 >2'56

Kgkdvpfp? Smnpn cksk p~bbnps smks smn mfbmnu quj|fpfjg lju djkg djpp ks FCD@ `jiqkun sj fs p Dkghk

Ekgbdk sjjh qdk`n cnpqfsn fsp undksf|ndv djrnu n}qjpn sj djkg ufph' Kccfsfjgkd fgljuiksfjg jl

Vnku 511= 5116 51;1

Quj|fpfjg

lju djkg

djppnp

uksfj

1'25 1'2< 1'>6

Vnku 511= 5116 51;1

djkg

uksfj

5';2 ;'6< 5'1>


6/7

`uncfs {~kdfsv jl FCD@ ekgh ikv en jeskfgnc luji smn ljjsgjsn sj fsp lfgkg`fkd psksnings' Srj

inkp~un kun qkusf`~dkudv fiqjuskgs smn kij~gs jl `mkubn jll kgc gjg qnuljuifgb kppnsp'

0& Df{~fcfsv Uksfj? Df{~fcfsv cnlfgnp kp smn n}sngs sj rmf`m smn ekgh mkp l~gcp k|kfdkedn sj inns`kpm cnikgcp lju djkg kgc cnqjpfs rfsmcukrkd' Ekgh un{~fun cfllnungs kij~gs jl df{~fcfsv

cnqngcfgb jg smnfu bujrsm uksn kgc |kufkefdfsv fg dngcfgb kgc cnqjpfs k`sf|fsfnp'

Smnun kun srj fiqjuskgs Df{~fcfsv uksfjp smks rn ksn bjfgb sj kgkdvzn?

F& Sniqjukuv fg|npsings uksfjFF& Cjddku bkq uksfj

Sniqjukuv fg|npsings uksfj? Sniqjukuv fg|npsingsp kun ijps df{~fc kppns' Smn mfbmnu smn

uksfj jl sniqjukuv fg|npsings sj sjskd kppns smn buksnup smn ekgh df{~fcfsv' Sniqjukuv

fg|npsings fg`d~cn lncnukd l~gc pjdc sukcfgb k``j~gs kppnsp fg|npsings pn`~ufsfnp fg pmjus snui

kgc `kpm c~n luji jsmnu ekgh'

Sniqjukuv fg|npsings uksfj 9 fg|npsings fg pn`~ufsfnp( c~n luji jsmnu ekgh * Sjskd kppnsp

Ljddjrfgb pmjrp smn Sniqjukuv fg|npsings uksfj jl FCD@ Ekgh DSC fg cfllnungs vnkup?

K|nukbn Sniqjukuv fg|npsings uksfj jl Dkghk Ekgbdk Ekgh DSC 9 2'53

Kgkdvpfp? Smn uksfj lju FCD@ kgc fsp Dkghk Ekgbdk fgcf`ksn smks FCD@ mkp i~`m dnpp l~gc fg|npsnc

fg mfbmdv df{~fc kppnsp smkg cjnp smn Dkghk Ekgbdk Smfp ikv p~bbnps k pfbgflf`kgs df{~fcfsv

qujedni lju FCD@' P~`m qujedni fp kdpj fiqdfnc ev smn |jdksfdn dfkefdfsv cnqngcng`v uksfj'

Vnku 511= 5116 51;1

Sniqjukuv

fg|npsings

uksfj

;';2 ;'>2 5'26


7/7

Cjddku bkq uksfj? Fgsnunps pngpfsf|n fp smn unpqjgpf|ngnpp jl dfkefdfsv `jps kgc kppnsp uns~ug sj

`mkgbnp fg fgsnunps uksn' Smn cfllnung`n ensrnng smn {~kgsfsfnp jl fgsnunps pngpfsf|n kppns kgc

dfkefdfsv fp hgjrg kp smn Cjddku bkq uksfj'

Cjddku bkq uksfj 9 -fgsnunps uksn pngpfsf|n Kppnsp ) fgsnunps uksn pngpfsf|n dfkefdfsv& *Sjskd Kppnsp

Ljddjrfgb pmjrp smn Cjddku bkq uksfj jl FCD@ Ekgh DSC fg cfllnungs vnkup?

K|nukbn Cjddku bkq uksfj jl Dkghk Ekgbdk Ekgh DSC 9 5'66

Kgkdvpfp? Smn dkubn gnbksf|n bkq uksfj lju FCD@ sj fsp Dkghk Ekgbdk p~bbnps smks fsp Qujlfskefdfsv

rfdd en klln`snc i~`m ijun smkg fsp Dkghk Ekgbdk ev k `mkgbn fg fgsnunps uksn rfsmfg smn gn}s

vnku' Fl fgsnunps uksn fg`unkpnp fg smn gnku l~s~un FCD@ qujlfskefdfsv fp cn`unkpn cukiksf`kddv

en`k~pn jl smn gnbksf|n bkq uksfj'

P~iikuv? Smn n|kd~ksfjg jl ekgh qnuljuikg`n fp k `jiqdn} quj`npp fg|jd|fgb fgsnuk`sfjg

ensrnng smn ng|fujgings fgsnunps jqnuksfjg kgc n}snugkd k`sf|ksnp' Smn ~dsfiksn jeon`s jl

ikgkbnings fp sj ik}fifzn smn |kd~n jl smn ekgh n{~fsv pmkunp ev ksskfgfgb smn jqsfikd if} jl

uns~ugp kgc ufph' Fg smfp unpqn`s ekgh ikgkbnings gnnc sj cn|ndjq k `jiqunmngpf|n qdkg sj

fcngsflv jeon`s bjkd e~cbns kgc psuksnbfnp rfdd en `jgpfpsngs rfsm smn ik}fifzksfjg pmkun |kd~n'

Qdkggfgb pmj~dc ng`jiqkpp ejsm fgsnugkd kgc n}snugkd qnuljuikg`n cfingpfjg' Smn qufikuv

insmjc jl n|kd~ksfgb qnuljuikg`n fp ev kgkdvzfgb k``j~gsfgb psksningsp' Lfgkg`fkd uksfj

k``j~gsfgb fsnip qnuifs kg mfpsjuf`kd phns`m jl ekgh uns~ugp kgc ufph Fgsnugkd qnuljuikg`n fp

smn enps inkp~unc ev n|kd~ksfgb smn ekghp ikuhns pmkun unb~dksjuv `jiqdfkg`n kgc q~edf`

`jglfcng`n' En`k~pn jl fg|ngsfjg kgc cnunb~dksfjg fg smn lfgkg`fkd pnu|f`np fgc~psuv fgsnugkd

kgc n}snugkd jiqnsf|ngnpp fp en`jifgb i~`m ijun fiqjuskgs smkg fg smkg qkps'

Vnku 511= 5116 51;1

Cjddku

bkq

uksfj

-52'

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Ratio Analysis of Marchant Bank on Lanka Bangla