research paper on ratio analysis of banks

There are two types of research approaches Inductive and Deductive approaches. In our present economy finance is defined as the provision of money at the time when it is required. In this research the target populations are the customers of HSBC Bank Alperton Branch. Regarding financial reporting, information about performances is one of the preferred items banking institutions are referring to. It is defined as the systematic use of ratio to interpret the financial statements so that the strengths and weaknesses of a firm as well as its historical performance and current financial condition can be determined. Electronic banking system is the system that allows the individual to do the banking activities by sitting in one place. Research is a process in which the researcher wishes to find out the end result for a given problem and thus the solution helps in future course of action. There has been a decline in asset quality and the Indian banking industry has exhibited resilience and does appear to be an exceptional underperformer with respect to the global banking trends in terms of profitability, liquidity and capital positions according to a recent report of the Reserve Bank of India. There are many financial books available to elaborate the ratio analysis. This research paper was carried out; to find the adequacy of CAMEL in capturing the overall performance of a bank; to find the relative weights of importance in all the factors in CAMEL; and lastly to inform on the best ratios to always adopt by banks regulators in evaluating banks' efficiency. As it is bank, we have wide range of information available in website, articles, journals, magazines and newspapers. [Brain Dixon and Mary Dixon 2006], Internet banking is also called as online banking, it is an outgrowth of PC banking. This measures the relationship between net profits and sales of a firm. Research Methodology Research Design CAMEL is a ratio-based model used to evaluate the performance of banks with the help of different criteria, viz. Percentage analysis thus involves the simple interpretation / analysis of the various items taken up in the questionnaire on a percentage basis from the data collected. oui. It throws light on the degree of efficiency in the management and utilization of its assets. That sample group will be tested, analyzed by assuming that sample group represents the entire group (Crouch, S. and Housden, M., 1996, p116). We're here to answer any questions you have about our services. Now retail banking is increasingly affected by globalisation. In the current literature pertaining to financial management a broader scope so as to include in addition to procurement of funds efficient use of resources is universally recognized. 1st Jan 1970 2.2 liquidity ratio. 1.9 definition of terms. It needs special attention because of the complexities involve in managing cash in present day banking function. The business organization requires and for what purpose. In comparing the financial performance of these two banks, the study used financial ratios based on the capital adequacy, asset quality, management, earnings and liquidity (CAMEL) framework. Access scientific knowledge from anywhere. On the other hand, Trust Bank Ltd was more liquid than Agib Bank Ltd in terms of LTA from 2014 to 2017. 3 (2) (1994) 241] invitation to explore accounting harmonisation effects. The paper also contributes to the debate on the efficiency of state-owned banks as asserted by Harvey (1993) that many of these banks are often poorly managed and not efficient. Centric to the ratio analysis, these studies have customized and blended financial ratios in a model form to examine and predict the financial health. Nevertheless, except the standards dealing with earnings per share and segment reporting, of all the present standards of the iasb, none is specifying the contents and the form of the information about performances. It should not be treated as authoritative or accurate when considering investments or other financial products. Financial analysis is structural and logical way to present overall financial performance of a financial institution. The system and the procedures followed by the HSBC bank is also one of my interests to choose the HSBC bank. In financial analysis process ratio analysis is the most dominant and logical structure to help business related stakeholder. In this project my aim is to analysis the Ratio Analysis to find financial position of the HSBC bank by using the financial tools and also to know the functions of Internet Banking System in HSBC Bank. And it is out of analysis of financial statements. The data were analysed using a descriptive statistics and panel data regression model. Internet banking uses the internet as the delivery channel for conducting banking activity, it is used for the purpose of transferring funds, paying bills, helps to checking and saving account balances, paying mortgages and also help to purchase financial instruments. Research Methodology into Ratio Analysis of HSBC Bank. A critical conception of ‘relevance’ and ‘accountability’ is developed to demonstrate how the needs of private interests’ are met in adopting the IFRSs. In this method it takes account of words, context and non-verbals. It is a quantitative relationship between current assets and current liabilities and indicates and enterprises ability to meet the current obligation. [Benton E Gup 2005]. This study helps to know the usage and the benefits of internet banking system, This study helps to study the functions of internet banking in UK HSBC bank. Ratio analysis is one of the techniques of financial analysis where ratios are used as a yardstick for evaluating the relationship between component parts of financial statements to obtain a better understanding of the firm’s position and performance. To study the growth of HSBC in terms of comparative analysis and trend analysis of financial statements for the past five years, from 2006 to 2010. Spearman’s coefficient of correlation (or). Trend Analysis of Nonperforming Asset in Scheduled Commercial Banks in India, N. SontakkeRavindra and TiwariChandan (2013): Trend Analysis of Nonperforming Finance Electronic funds transfer means doing the financial transactions electronically. This research is based on a contents analysis of the voluntary information disclosed (frequency tests). In this process bank’s deposit mobilisation has got a jolt, possibly in future more pressure will be found on this activity. Finally, it was shown that Agib Bank Ltd dominated the Trust Bank Ltd in terms of NPL, but Trust Bank’s NPL in 2017 revealed that it had higher quality loan portfolios, especially when one considers the sharp decline of the Bank’s NPL from 4% in 2016 to 0.4% in 2017. 1.7 scope and limitation of the study. The most representative factors of the informational structure are settled by means of a factor analysis. The Indian Banking system consists of several public sector banks, private sector banks, foreign banks, regional rural banks, urban and rural cooperative banks, in addition to cooperative credit institutions. 3, April 2015 H1: There has been a difference in performance of Indian banks in two time periods (2002-08) and (2009-13). The sizes of the sampling will be 100 customers. It uses Foucault's work on Kant's notion of a peaceful world and applies it to the accounting harmonisation project which has been approved by accounting standard-setting bodies around the world. The main focus of this study is to compare the financial performance of the Islamic banking system and the conventional banking system operating in The Gambia during the period 2008 to 2017, focusing specifically on Arab Gambian Islamic Bank Limited (AGIB) and Trust Bank Gambia Ltd. Books and journals pertaining to the topic. Small scale savings and insurance products are making an inroad into the domain of bank deposits. In this study we are using secondary data for the analyses of ratio in order to know the financial performance of HSBC bank. I am very eager to know the financial status of the HSBC bank always. In today’s financial world, financial performance is a requirements amongst the perspective of various stakeholders, be it in the management, lenders, owners and investors’ perspective. A low net profit merging would have the opposite implications. Adzis, A. This study based on financial statement such as Ratio analysis and financial performance. It is also known as liquidity ratio. (2012). has been made in almost all the economies where disintermediation affected the banking sector. No plagiarism, guaranteed! This research paper is aimed to analyze and compare the Financial Performance of Axis Bank in … The State Bank of India's is largest bank, with approximately 9,000 branches in India and 54 international offices. The ratio indicates the proportion of total assets financed by owners. This paper adds a new dimension to the international accounting debate by discussing themes of regulation, public and private interests, from a critical perspective. According to Richard H Baker, advancement in technology helps to develop the system of internet banking. LIST OF TABLES LIST OF FIGURES ACKNOWLEDGEMENT DEDICATION ABSTRACT CHAPTER ONE 1.0 Introduction 1.1 Background of the Study 1.1.1 Commercial Banks 1.2 Statement of the Problem 1.3 Main Purpose of the Study 1.4 Research Objectives 1.5 Research Question/s 1.6 Research Hypothesis 1.7 Scope of the Study 1.8 Significance of the Study 1.9 Limitations of the Study 1.10 Structure of the Study 1.11 Definition of Key Terms 1.12 Summary CHAPTER TWO 2.0 Introduction 2.… (2013). Vol-3 … It is the ratio which is used to determine the company’s capacity to pay its short- period debt obligations. Objectives of the Study

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