Wednesday, May 4, 2011
Ratio Interpretation between Askari Bank and Bank Alfalah
1. Current Ratio, we have seen that current ratio of askari bank increase in 2008 as compare to year 2007 and 2009 on the other hand Bank alfalah ratio also increase in the same year 2008 as compare to 2007 and 2009
2. Working Capital ratio of askari bank increase in 2009 as compare to year 2008 but we can see that 2007 and 2009 ratio is high then 2008 on the other hand bank alfalah working capital ratio is for the year 2007 to 2008 is remain constant but it also increase in 2009
3. Mark-up is increase on the working capital. It means that with the passage of time higher interest has to be paid to meeting the current liabilities regarding the current asset. The ration decrees 2007 and 2009 as compare to 2008 but on the other hand askari bank Mark-up is increase on the working capital. It means that with the passage of time higher interest has to be paid to meeting the current liabilities regarding the current asset. The ration decrees 2007 and 2009 as compare to 2008
4. Acid test ratio. My working shows that liquidity of the Alfalah bank has changing consistently from 2007 to 2008 but in 2009 it are again decrease. In 2007 the ratio was 0.18 it will increase again and in 2008 it reach 0.20 but last year it will then again decrease and reach -0.06 on the other hand Askari bank changing trend of graph shows that liquidity of the bank is changing consistently from 2008 to 2009 after the year 2007 continually
5. Debt/Equity Ratio This working shows that bank Alfalah Debt/equity ratio is continually decreasing during 2008 to 2009, which shows that decrease in liquidity position. It means low investment from shareholders funds. On the other hand Same as the working shows that Askari bank Debt/equity ratio is also continually decreasing during 2008 to 2009, which shows that decrease in liquidity position. It means low investment from shareholders funds.
6. Debt ratio The working shows that debt ratio of bank alfalah is slightly decreased in 2009 as we compare to previous years. More of this ratio more the risky the financial position. Lower ratio means lower risk. But the ratio above show normal increasing trend on the other hand askari bank is working shows that debt ratio is slightly increased in 2008, 2007 and then it again increases in 2009. More of this ratio means more the risky the financial position. Lower ratio means lower risk. But the ratio above show normal increasing trend
7. Time interest ratio for the askari bank is increased in 2009 as compare to previous years 2007 to 2008 but bank alfalah ratio increased strongly in last three years as compare to Askari bank.
8. Asset turn over ratio for bank Alfalah working shows decreasing trend of time interest earned ratio from 2007 to 2009.This calculation concludes through changing trend that in the 2007 and 2008 bank is in good position to fulfill its interest obligation on the other hand If we look Askari bank this is also have the same situation the working shows decreasing trend of time interest earned ratio from 2007 to 2009. According to above analysis this also concludes through changing trend that in the 2007 and 2008 bank is in good position to fulfill its interest obligation
9. Basic Earning per share for Bank Alfalah working shows that earning per share is continually decreasing from 2008 to 2009. This changing trend affects the price of share. It also shows that is steady achieving the benefits from its shareholders. Profit is too increasing in slightly steady manner. Same as the side of Askari bank this working shows that earning per share is continually decreasing from 2008 to 2009. This changing trend affects the price of share. It also shows that is steady achieving the benefits from its shareholders. Profit is too increasing in slightly steady manner
10. Total capitalization ratio of Bank Alfalah decreased in 2008 as compare to for the year 2007. but we have seen that in 2009 it again increased. Now we could see same ratio of askari bank we can see that ratio same in 2009 as we compare to Bank alfalah
11. Debt to Tangibale Net worth Ratio for both companies is same. But in 2008 bank alfalah ratio has little increased
12. Return on asset ratio for Bank Alfalah my working shows that shows that the return on asset ratio in the 2007 has high value but in 2008 it will decrease continuously but if we look askari bank graph shows that the return on asset ratio in the 2007 has high value but in 2008 it will decrease as compare to 2007 but in 2009 it little increase
13. Net Profit margin ratio of askari bank decreased after the year 2007 as compare to other years. On the other hand bank alfalah have also same condition we if we compare to askari bank. It might be due to country certain reasons. Both companies net profit margin has decreased in 2008 and 2009
14. Dupont Return on Assets of askari bank continually decreased as compare to 2007 if we look bank alfalah ratio result it seem also like askari bank. It is also decreased after the year 2007.
15. Operating income margin ratio of askari bank we have seen that ratio decreased after the year 2007. Bank alfalah also been suffered the same situation
16. Return on operating assets we have seen askari bank ratio in 2008 it decreased very badly as compare to previous year 2007 but it little increase in 2009 now we could see bank alfalah we can see that it decreased in 2009 but askari bank have increasing trend
17. Return on Total equity. We have seen that askari bank ratio is decrease after the year 2007. In 2008 it is 9.51 Percent in 2009 it is little increased and reached at 21.83 % now we could see bank alfalah in 2007 ratio was 0.48 percent and 2008 0.16 percent and 2009 it was 0.066 percent
2. Working Capital ratio of askari bank increase in 2009 as compare to year 2008 but we can see that 2007 and 2009 ratio is high then 2008 on the other hand bank alfalah working capital ratio is for the year 2007 to 2008 is remain constant but it also increase in 2009
3. Mark-up is increase on the working capital. It means that with the passage of time higher interest has to be paid to meeting the current liabilities regarding the current asset. The ration decrees 2007 and 2009 as compare to 2008 but on the other hand askari bank Mark-up is increase on the working capital. It means that with the passage of time higher interest has to be paid to meeting the current liabilities regarding the current asset. The ration decrees 2007 and 2009 as compare to 2008
4. Acid test ratio. My working shows that liquidity of the Alfalah bank has changing consistently from 2007 to 2008 but in 2009 it are again decrease. In 2007 the ratio was 0.18 it will increase again and in 2008 it reach 0.20 but last year it will then again decrease and reach -0.06 on the other hand Askari bank changing trend of graph shows that liquidity of the bank is changing consistently from 2008 to 2009 after the year 2007 continually
5. Debt/Equity Ratio This working shows that bank Alfalah Debt/equity ratio is continually decreasing during 2008 to 2009, which shows that decrease in liquidity position. It means low investment from shareholders funds. On the other hand Same as the working shows that Askari bank Debt/equity ratio is also continually decreasing during 2008 to 2009, which shows that decrease in liquidity position. It means low investment from shareholders funds.
6. Debt ratio The working shows that debt ratio of bank alfalah is slightly decreased in 2009 as we compare to previous years. More of this ratio more the risky the financial position. Lower ratio means lower risk. But the ratio above show normal increasing trend on the other hand askari bank is working shows that debt ratio is slightly increased in 2008, 2007 and then it again increases in 2009. More of this ratio means more the risky the financial position. Lower ratio means lower risk. But the ratio above show normal increasing trend
7. Time interest ratio for the askari bank is increased in 2009 as compare to previous years 2007 to 2008 but bank alfalah ratio increased strongly in last three years as compare to Askari bank.
8. Asset turn over ratio for bank Alfalah working shows decreasing trend of time interest earned ratio from 2007 to 2009.This calculation concludes through changing trend that in the 2007 and 2008 bank is in good position to fulfill its interest obligation on the other hand If we look Askari bank this is also have the same situation the working shows decreasing trend of time interest earned ratio from 2007 to 2009. According to above analysis this also concludes through changing trend that in the 2007 and 2008 bank is in good position to fulfill its interest obligation
9. Basic Earning per share for Bank Alfalah working shows that earning per share is continually decreasing from 2008 to 2009. This changing trend affects the price of share. It also shows that is steady achieving the benefits from its shareholders. Profit is too increasing in slightly steady manner. Same as the side of Askari bank this working shows that earning per share is continually decreasing from 2008 to 2009. This changing trend affects the price of share. It also shows that is steady achieving the benefits from its shareholders. Profit is too increasing in slightly steady manner
10. Total capitalization ratio of Bank Alfalah decreased in 2008 as compare to for the year 2007. but we have seen that in 2009 it again increased. Now we could see same ratio of askari bank we can see that ratio same in 2009 as we compare to Bank alfalah
11. Debt to Tangibale Net worth Ratio for both companies is same. But in 2008 bank alfalah ratio has little increased
12. Return on asset ratio for Bank Alfalah my working shows that shows that the return on asset ratio in the 2007 has high value but in 2008 it will decrease continuously but if we look askari bank graph shows that the return on asset ratio in the 2007 has high value but in 2008 it will decrease as compare to 2007 but in 2009 it little increase
13. Net Profit margin ratio of askari bank decreased after the year 2007 as compare to other years. On the other hand bank alfalah have also same condition we if we compare to askari bank. It might be due to country certain reasons. Both companies net profit margin has decreased in 2008 and 2009
14. Dupont Return on Assets of askari bank continually decreased as compare to 2007 if we look bank alfalah ratio result it seem also like askari bank. It is also decreased after the year 2007.
15. Operating income margin ratio of askari bank we have seen that ratio decreased after the year 2007. Bank alfalah also been suffered the same situation
16. Return on operating assets we have seen askari bank ratio in 2008 it decreased very badly as compare to previous year 2007 but it little increase in 2009 now we could see bank alfalah we can see that it decreased in 2009 but askari bank have increasing trend
17. Return on Total equity. We have seen that askari bank ratio is decrease after the year 2007. In 2008 it is 9.51 Percent in 2009 it is little increased and reached at 21.83 % now we could see bank alfalah in 2007 ratio was 0.48 percent and 2008 0.16 percent and 2009 it was 0.066 percent
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Author: Mohammad
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