Bakiache Citi
Bakiache Citi
Bakiache Citi
1,200,000,000
1,000,000,000
800,000,000
600,000,000
400,000,000
200,000,000
It appears that the bank got its highest profit in the year 2018 (1,046,409,698), and the lowest profit in
2021 (306,064,474). It’s because the total operating income made the difference. On the other hand,
the profit didn’t keep pace with the other years because there was a pandemic situation ongoing in
2021. The bank didn’t face any kind of loss during these 7 years. In 2016 and 2017, the bank couldn’t
get much income from the interest sector, so the net profits of these years are comparatively low.
NOPAT
Net operating profit after tax (NOPAT) is a financial measure that shows how well a company
performed through its core operations, net of taxes. NOPAT is frequently used in economic value
added (EVA) calculations and is a more accurate look at operating efficiency for leveraged
companies. NOPAT removes the tax savings of debt from the calculation to focus more on the core
business activities. When a company has a strong NOPAT, it indicates that its leadership is making
the correct key decisions to ensure profitability. On the other hand, a weak NOPAT can expose
limitations in the growth of a company.
NOPAT of the given 7 years are the following:
NOPAT21 = EBIT (1-Tax rate)
= 586,048,275(1-0.40)
= 351,628,965
NOPAT20 = EBIT (1-Tax rate)
= 1,773,818,299(1-0.40)
= 1,064,290,979.4
NOPAT19 = EBIT (1-Tax rate)
= 1,831,238,236(1-0.40)
=1,098,742,941.6
NOPAT18 = EBIT (1-Tax rate)
= 1,832,377,919(1-0.40)
= 1,099,426,751.4
NOPAT17 = EBIT (1-Tax rate)
= 1,060,632,428(1-0.40)
= 636,379,456.8
NOPAT16 = EBIT (1-Tax rate)
= 882,516,971(1-0.40)
= 529,510,182.6
NOPAT15 = EBIT (1-Tax rate)
= 1,522,794,457(1-0.40)
= 913,676,674.2
Here the highest NOPAT of the bank was in 2018 (1,099,426,751.4), which means its leadership had
made correct key decisions to ensure profitability.
Vertical Analysis
Vertical analysis is a top-down approach, where each line item is compared to total revenue as a
percentage. This is helpful when examining relative proportions, which is useful when applied across
multiple time periods and to compare between different industries/sectors and companies.
40,000,000,000
35,000,000,000
30,000,000,000
25,000,000,000
20,000,000,000
15,000,000,000
10,000,000,000
5,000,000,000
Here it appears that the bank had the highest cash and cash equivalents at the end of the year in 2021
(39,596,490,658), and the lowest in 2017 (13,046,575,556) during these given periods.
=-0.5365%
Cash Flow Margin Ratio15 = 3,717,994,293/774,260,760
=4.8019%
= 0.557%
Cash Flow Coverage Ratio20 = 11,615,353,389/4,709,929,491
= 2.466%
Cash Flow Coverage Ratio19 = 6,718,892,584/3,296,355,814
= 2.038%
Cash Flow Coverage Ratio18 = 5,737,185,576/6,531,578,960
= 0.878%
Cash Flow Coverage Ratio17 = -8,495,123,559/64,580,456
= -131.543%
Cash Flow Coverage Ratio16 = -238,385,525/452,122,084
= -0.5272%
Cash Flow Coverage Ratio15 = 3,717,994,293/728,764,894
= 5.1017%
70,000,000,000
60,000,000,000
50,000,000,000
40,000,000,000
30,000,000,000
20,000,000,000
10,000,000,000
Total assets/ Total liabilities and equity was highest in 2021 (63,684,391,968), and the lowest was in
2017 (37,911,694,081) during these given years.
Current Asset
CA21= 13,251,995,088+17,290,159,662+20,000+15,397,801,029+16,098,991,597
= 62,038,967,376
CA20 = 15,273,693,131+19,251,977,619+11,921,230,744+13,582,184,318
= 60,029,085,812
CA19 = 10,266,253,894+16,094,115,319+11,220,345,971+18,472,142,482
= 56,052,857,666
CA18 = 9,618,687,769+10,171,377,318+8,287,925,575+22,616,295,914
=50,694,286,576
CA17 = 7,112,683,159+4,188,713,394+8,371,494,964+16,341,521,278
=36,014,412,795
CA16 = 9,348,552,064+9,560,452,760+1,520,000,000+8,845,605,995+8,954,852,250
=38,229,463,069
CA15 = 10,617,397,680+8,194,331,521+1,390,000,000+8,591,798,207+8,279,228,779
=37,072,756,187
Current Liability
CL21= 43,422,625,463
CL20= 41,088,931,396
CL19= 38,656,696,683
CL18= 31,558,564,360
CL17= 25,640,188,410
CL16= 27,966,018,791
CL15= 26,454,060,880
Operating Capital
Operating capital is the cash available for a company’s operations. However, its calculation depends
on its current assets and current liabilities.
Operating Capital = NOWC + Net Fixed Assets
Operating Capital21= 18,616,341,913+153,960,194
= 18,770,302,107
Operating Capital20= 18,940,154,416+163,415,676
= 19,103,570,092
Operating Capital19= 17,396,160,983+120,953,357
= 17,517,114,340
Operating Capital18= 19,135,722,216+151,668,199
= 19,287,390,415
Operating Capital17= 10,374,224,385+178,282,772
= 10,552,507,157
Operating Capital16= 10,263,444,278+218,135,362
= 10,481,579,640
Operating Capital15= 10,618,695,307+260,389,439
= 10,879,084,746