Biraj Proposal.bbs Forth Year

A STUDY ON FINANCIAL FINANC IAL ANALYSIS ANALYSIS OF STANDARD CHARTERED BANK LTD

A Project Project work proposal

BY

Braj K!a"al

Class Roll no : 903/070 T.U. T.U. Regd no.: 7-2-0025-0207-2013  Nepal Commerce Campus Mn!"a#an$ %a&"mandu

'u!m&&ed &o Researc" (epar&men& Nepal Commerce Campus

I" Partal F#l$ll%e"t o$ t!e Re&#re%e"ts $or t!e De'ree o$ BACHELOR OF BUSINESS STUDIES (BBS)

Kat!%a"*#+ Nepal ,a"#ar-+ ./01

C!apter 2 0  

INTRODUCTION

030 Back'ro#"*

)& presen& $ *arge no. o+ commercal !an,s are opera&ng n Nepal. Na&urall$ &"e are renderng a #de range o+ serces. T"e are ,eepng up #&" &"e c"anges &a,ng place n &"e #orld. Nepal s one o+ &"e leas& deeloped coun&res n &"e #orld$ 50 o+ people are !elo# poer& lne. an, n earl 190s n conuc&on #&" Nepalese promo&ers$ & #as es&a!ls"ed n 197 as o n& en&ure o+ plc and Nepal Ras&ra an,. 4n 205 )s"ad29$ &"e reen *as an, #as coner&ed &o '&andard C"ar&ered an,. Commercal !an,s are &"ose !an,s #"c" per+orm all ,nd o+ !an,ng !usness. T"e aod long &erm leadng. T"e accep& pu!lc depos& and gran& loans n &"e +orm o+ cas" cred&$ oerdra+&. )mong &"em '&andard C"ar&ered an, s also one. '&andard C"ar&ered an, "as  !een opera&ng n Nepal snce 197. '&andard C"ar&ered an, s #orld larges& landng$ emergng mar,e& !an, #&" 500 o++ces across 50 coun&res n )sa$ &"e su! con&nen&$ &"e mddle eas& o+ 6urope. T"e +eld o+ s&ud s !ascall +ocused on &"e +nancal per+ormance o+ '&andard C"ar&ered an, &o ma,e clear &"a& ra&os are calcula&ed ca lcula&ed and &"e +nancal pos&on are measured on &"e  !asc mee&ng o+ &"e o!ec&es and +unc&ons.

03. State%e"t o$ pro4le%

   

"a& s &"e pro+&a!l& Ra&o o+ '&andard C"ar&ered an, #&" rela&on &o re&urn on asse&s$ re&urn on &o&al depos&$ re&urn on e8u& and re&urn on &o&al asse&s "a& s &"e pos&on o+ l8ud& ra&o #&" re+erence &o curren& ra&o and 8uc, ra&o "a& s &"e pos&on o+ loan loss #&" re+erence &o #"a& loss coerage ra&o "a& s &"e per+ormance o+ organa&on n rela&on #&" ddend paou& ra&o and earnngs per s"are

035 O4ject6es o$ t!e St#*-

 T"e o!ec&es o!ec&es o+ &"e s&ud s &o anale &"e +nancal per+ormance o+ '&andard C"ar&ered an, and &o +ul+ll par&al re8uremen& o+ ' +our&" ear T.U. T.U.

  

To ealua&e &"e pro+&a!l& pos&on on '&andard C"a r&ered an,. To s&ud s&ud o+ s"or& &erm and long &erm solenc solenc  pos&on o+ '&andard C"ar&ered an,. To ealua&e leerage and l8ud& pos&on o+ '&andard C"ar&ered an,.

037 S'"$ca"ce o$ t!e st#*-

;n &"e analss o+ &"e '&andard C"ar&ered an, $ lm&ed s&a&emen& and degree o+ l8ud& and a+&er &"e e
To &"e nes&ors To &"e cred&ors To &"e depos&ors

)nd +nall &"e s&uden&s #"o #ll !e #or,ng on &"s researc" on same +eld can &a,e re+erence +rom &"s proec&.

038 L%tato"s o$ t!e st#*-

>or &"e comple&on o+ &"s s&ud$ &"e +ollo#ng +ac&s are &"e !asc lm&a&ons #"c" are ls&ed  !elo#:   

 T"s '&ud s s conduc&ed onl o+ +e ears ears da&a 2009/10 &o 2013/1? Cas" +lo# s&a&emen& s&a&emen& onl doesno& "elp &o s&ud on +nancal +nancal per+ormance o+ !an, '&ud +ul+lled onl par&al re8uremen&s o+ ' +our&" ear T.U.

CHAPTER 9.

RE:IE; OF LITERATURE LITERATURE

.30 Bre$ Re6ew o$ Lterat#re

T"e researc" on &"e +nancal analss o+ '&andard C"ar&ered an, "as !een done oer &"e pas& ears ! &"e d++eren& researc"ers. T"oug" &"ere s a lo& o+ &me gap ! e&#een &"ose researc" done n pas& and researc" ! !  mne. )s c"ange n &"e &me and deelopmen& co mng +rom &"e  pas& +e# ears &"e concluson &"e +ound ma !e d++eren& &"an mne due &o &"e &me gap.

.3. T!eortcal Re6ew

T"e +nancal da&as noled n &"e researc" a!ou& &"e !an, #ll !e represen&ed n d++eren& represen&ng s&les l,e !ar dagram$ pe- c"ar&$ c"ar&s$ &a!ular +orm . #"c" ma,es eas &o unders&and &"a& #"a& &"e +gures represen& a!ou& &"e po s&on o+ !an, and s e++ec&e #a o+ represen&ng &"e !an, oerall per+ormance.

CHAPTER95 RESEARCH
530 Researc!
Researc" me&"odolog re+ers &o &"e arous se8uen&al s&eps &o !e adop&ed ! a researc"er n s&udng a pro!lem #&" cer&an o!ec&es n e#. T"s &opc e
>nancal &ools are used &o ensure &"e rela&ons"p !e&#een ara!les n &erms o+ ra&o$  percen&age$ and &mes. @ere +or &"s researc" #or, !o&" anal&cal and descrp&e researc" desgn s appled.

535 So#rces o$ *ata

T"ere are d++eren& sources o+ da&a #"le n researc" suc" as prmar da&a and secondar da&a. Armar da&a are collec&ed &"roug" accura&e +ndngs and ans#er &"a& s o!&aned +rom &"e 8ues&onnare. 'econdar da&a are collec&ed &"roug" annual repor&s o+ &"e !an,$ !roac"ers$  !alance s"ee& and n&erne&. T"s researc" s !ased on secondar da&a onl.

537
)nalss ma !e ca&egored as descrp&e analss and n+eren&al analss. To ac"ee &"e  prede&ermned o!ec&e o+ &"e researc"$ cer&an &ools are used. T"e &ools are ca&egored as = 1.>nancal &ools 2.'&a&s&cal &ools. ;n &"s s&ud +ollo#ng +nancal and s&a&s&cal &ools are used &o anale &"e +nancal  per+ormance o+ !an,: a.B Aro+&a!l& ra&o: Aro+&a!l& s ul&ma&el ul&ma&el n &erms o+ ra&e o+ re&urn earned ! &"e l8ud&  ! &"e e8u& nes&ors #"o are &"e o#ner o+ &"e !usness. Aro+&a!l& s &"e +nal resul& o+ &"e  !an,. T"ere are +e measures o+ pro+&a!l&$ pro+&a!l&$ called pro+& margn$ margn$ ne& n&eres&$ &"e spread$ &"e re&urn on asse&s$ and &"e re&urn on e8u&. e 8u&. T"s ra&o &ools "elps &o analed ncome rela&ons &o resources comm&&ed s &o measure pro+&a!l& +rom &"e +nancal s&a&emen&s.  !B. *8ud& ra&o: ;& means &"e a!l& &o mee& cas" o!lga&on as &"e come due. *8ud& s &"e pro!a!l mos& d++cul& aspec& o+ &"e +nancal per+ormances o+ &"e ns&&u&ons &o measures. T"s repor& ges ou& &"e correc& comparson o+ &"e ma&ur&es o+ asse&s and la!l&es.

 cB. *eerage ra&o: ;& s used &o ,no# &"e long &erm +nancal pos&ons o+ &"e +nancal +nancal ns&&u&ons. T"ese ra&os are also called cap&al s&ruc&ure ra&os. T"ese ra&os ndca&e &"e  propor&ons o+ de!& and e8u& n &"e cap&al s&ruc&ure o+ a !an,. )nd &"e s&a&s&cal &ools are as +ollo#s: 1 .Mean: T"e s&a&s&cal mean re+ers &o &"e mean o r aerage &"a& s used &o dere &"e cen&ral &endenc o+ &"e da&a n 8ues&on. ;& s de&ermned ! addng all &"e da&a pon&s n a popula&on and &"en ddng &"e &o&al ! !  &"e num!er o+ pon&s. T"e resul&ng num!er s ,no#n as &"e mean or &"e aerage. aerage. 2 .'&andard dea&on: '&andard dea&on s a s&a&s&c used as a measure o+ &"e dsperson d sperson or ara&on n a ds&r!u&on$ e8ual &o &"e s8uare roo& o + &"e ar&"me&c mean o+ &"e s8uares o+ &"e dea&ons +rom &"e ar&"me&c mean .

3 .Coe++cen& o+ arance: T"e coe++cen& o+ ara&on CDB $ also ,no#n as rela&e s&andard dea&on R'(B$ s a s&andarded measure o+ dsperson o+ a pro!a!l& ds&r!u&on or +re8uenc ds&r!u&on. ;& s o+&en e