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Project report on financial analysis of Syndicate Bank



Key Financial Ratios of Syndicate Bank

Mar '15 Mar '14

Investment Valuation Ratios
Face Value 10 10
Dividend Per Share 4.7 5.5
Operating Profit Per Share (Rs) 31.48 37.72
Net Operating Profit Per Share (Rs) 326.48 298.12
Free Reserves Per Share (Rs) -- --
Bonus in Equity Capital -- --
Profitability Ratios
Interest Spread 4.96 5.06
Adjusted Cash Margin(%) 7.2 9.17
Net Profit Margin 7.04 9.19
Return on Long Term Fund(%) 149.01 135.11
Return on Net Worth(%) 12.54 15.7
Adjusted Return on Net Worth(%) 12.54 15.7
Return on Assets Excluding Revaluations 183.37 174.48
Return on Assets Including Revaluations 197.24 189.63

Management Efficiency Ratios
Interest Income / Total Funds 7.82 8.01
Net Interest Income / Total Funds 2 2.38
Non Interest Income / Total Funds 0.76 0.57
Interest Expended / Total Funds 5.82 5.63
Operating Expense / Total Funds 1.24 1.37
Profit Before Provisions / Total Funds 1.45 1.53
Net Profit / Total Funds 0.55 0.74
Loans Turnover 0.11 0.12
Total Income / Capital Employed(%) 8.58 8.58
Interest Expended / Capital Employed(%) 5.82 5.63
Total Assets Turnover Ratios 0.08 0.08
Asset Turnover Ratio 0.08 0.08

Profit And Loss Account Ratios
Interest Expended / Interest Earned 74.46 70.25
Other Income / Total Income 8.89 6.64
Operating Expense / Total Income 14.48 15.96
Selling Distribution Cost Composition -- --
Balance Sheet Ratios
Capital Adequacy Ratio 10.54 11.41
Advances / Loans Funds(%) 78.96 80.94
Debt Coverage Ratios
Credit Deposit Ratio 80.52 80.84
Investment Deposit Ratio 26.7 25.44
Cash Deposit Ratio 5.28 5.23
Total Debt to Owners Fund 21.04 19.49
Financial Charges Coverage Ratio 0.26 0.28
Financial Charges Coverage Ratio Post Tax 1.11 1.14
Leverage Ratios
Current Ratio 0.02 0.03
Quick Ratio 26.92 22.79
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit 20.43 21.62
Dividend Payout Ratio Cash Profit 18.2 20.22
Earning Retention Ratio 79.57 78.38
Cash Earning Retention Ratio 81.8 79.78
AdjustedCash Flow Times 149.39 116.06