From your dataset calculate Net Interest Margin ((Interest Income - Interest Expenses) /Total assets). a. Comment on
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Question:
- From your dataset calculate Net Interest Margin ((Interest Income - Interest Expenses) /Total assets). a. Comment on the Net interest margin of the bank
2. From your dataset calculate Capital Adequacy ratio for the respective years.
b. Comment on the Capital Adequacy ratio for your bank
Year | Bank code | Bank name | Investment | Bad and Doutful debts | Total assets |
2016 | BOB | Bank of Baroda | 551,485,000 | -108,000 | 689,575,000 |
2017 | BOB | Bank of Baroda | 561,153,000 | -608,000 | 741,455,000 |
2018 | BOB | Bank of Baroda | 589,579,000 | -774,000 | 739,552,000 |
2019 | BOB | Bank of Baroda | 642,929,000 | -1,948,000 | 755,823,000 |
2020 | BOB | Bank of Baroda | 716,481,000 | -1,927,000 | 869,936,000 |
2021 | BOB | Bank of Baroda | 665,481,000 | -11,660,000 | 914,703,000 |
2022 | BOB | Bank of Baroda | 680,116,000 | -1,097,000 | 882,760,000 |
Year | Total capital | Loans | Capital Adequacy ratio | Deposits and borrowings | No of branches |
2016 | 56,549,000 | 25,758,000 | 19.04% | 624,368,000 | 8 |
2017 | 65,481,000 | 325,646,000 | 22.09% | 662,306,000 | 8 |
2018 | 62,040,000 | 354,024,000 | 20.74% | 659,472,000 | 8 |
2019 | 63,595,000 | 410,021,000 | 18.46% | 681,268,000 | 8 |
2020 | 72,726,000 | 447,361,000 | 19.58% | 777,483,000 | 8 |
2021 | 80,328,000 | 449,301,000 | 18.02% | 806,476,000 | 8 |
2022 | 91,672,000 | 356,071,000 | 24.54% | 777,584,000 | 8 |
Year | Fixed Assets | Income/Revenue | Total Exp | Staff Exp | Provisions for doubtful debts |
2016 | 2,898,000 | 19,740,000 | -8,116,000 | -8,568,000 | -2,806,000 |
2017 | 3,131,000 | 19,228,000 | -8,537,000 | -8,235,000 | -3,050,000 |
2018 | 3,592,000 | 18,226,000 | -9,747,000 | -9,534,000 | -3,378,000 |
2019 | 3,257,000 | 20,535,000 | -9,590,000 | -9,139,000 | -3,632,000 |
2020 | 3,008,000 | 22,756,000 | -11,104,000 | -9,944,000 | -4,639,000 |
2021 | 3,286,000 | 25,570,000 | -19,001,000 | -8,843,000 | -5,436,000 |
2022 | 3,037,000 | 25,804,000 | -6,398,000 | -8,997,000 | -6,420,000 |
Year | Total Provisions | Net profit before tax | annual interest expenses | Interest income | Fee and commission revenue |
2016 | -8,676,000 | 11,624,000 | -9,042,000 | 24,356,000 | 3,310,000 |
2017 | -8,843,000 | 10,691,000 | -9,741,000 | 24,625,000 | 3,321,000 |
2018 | -10,308,000 | 8,479,000 | -12,085,000 | 25,487,000 | 3,542,000 |
2019 | -11,087,000 | 10,945,000 | -13,556,000 | 28,917,000 | 3,859,000 |
2020 | -11,871,000 | 11,652,000 | -20,068,000 | 37,553,000 | 3,950,000 |
2021 | -20,503,000 | 6,569,000 | -16,913,000 | 35,709,000 | 5,533,000 |
2022 | -10,094,000 | 19,406,000 | -11,190,000 | 31,865,000 | 4,024,000 |
Year | Fee and commission expense | Net profit after tax | Date on which the bank was established | Date on which a trnasition occurred that is takeover or merger | |
2016 | - | 8,938,000 | 5th July 1961 | None | |
2017 | - | 8,878,000 | 5th July 1961 | None | |
2018 | - | 5,796,000 | 5th July 1961 | None | |
2019 | - | 8,770,000 | 5th July 1961 | None | |
2020 | - | 9,002,000 | 5th July 1961 | None | |
2021 | - | 3,329,000 | 5th July 1961 | None | |
2022 | - | 16,211,000 | 5th July 1961 | None |
Related Book For
Income Tax Fundamentals 2013
ISBN: 9781285586618
31st Edition
Authors: Gerald E. Whittenburg, Martha Altus Buller, Steven L Gill
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