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TABLE OF CONTENTS
Page No.
1.
Section I
INTRODUCTION
1.1
1.2
1.3
1.4
2.
3.
4.
HISTORY
TOPIC/PROJECT INTRODUCTION
04
04
1.2.
1
1.2.
2
Introduction
04
Description
04
OBJECTIVES
SIGNIFICANCE
PROJECT PROCEEDINGS
2.1
2.2
2.5
04 - 05
COMPANIES PROFILES
RATIO ANALYSIS
COMPARISONS
05
05
06 07
06
07
07
METHODOLOGY
08
3.1
3.2
3.3
08
08
08
09
BIBLIOGRAPHY
INTRODUCTION
Introduction of the Project
As the topic shows, this project is related to the risk
caused by credit. We have to find out the risk through
ratios that to which extent this risk can be taken.
Whether this risk is only risk or it may be profitable for
the organization. We also want to find out that to what
type of persons should be given the credit which may
return the money to the organization?
A. Liquidity Ratios
Current Ratio
Quick Ratio
Receivable Ratio
B. Coverage Ratios
Earnings Before Interest and Taxes (EBIT)/Interest
Net Profit + Depreciation, Amortization/ Long-Term Debt
C. Leverage Ratios
Fixed/ Worth Ratio
Background
As the credit risk is about the loss of principal and
interest amounts. The loss may be partial or complete. It
may exist in different conditions. Credit risk refers to the
probability of loss due to a borrowersborrowers failure
to make payments on any type of debt. Credit risk
management, meanwhile, is the practice of mitigating
those losses by understanding the adequacy of both a
banks capital and loan loss reserves at any given time
a process that has long been a challenge for financial
institutions. The global financial crisis and the credit
Objectives
The objective of the project is to carry out credit risk
analysis of Allied Bank Limited and United Bank Limited
for recently closed three financial years. The financial
analysis will be carried out by using financial
techniques such as ratio analysis, trend analysis, and
review of descriptive analysis on the data available in
the annual report of these banks.
Significance
Activity ratio analysis is an important method used by interested
parties such as investors, creditors and the management for
analysis of past, current and future activities of the company. It
also helps the management to know that how we can improve
the performance of the company making comparison with other
companies and also the industry averages.
Irrelevant
Your analysis is credit risk not activity
PROJECT PROCEEDINGS
Banks Profiles
Introduction
Background
Introduction of the selected banks
Objectives
Signifincance
Data analaysis
Complete profiles of both banks will be given in the final project.
Ratio Analysis
Provide relevant ratios that can be used to assess credit risk
You should explore your earlier studied courses of finance and commerce in
this regard
1. Current Ratio
2. Quick Ratio
3. Coverage Ratios
4. Receivable Ratio
METHODOLOGY
Data Collection Sources
The data will be obtained through both primary and secondary
sources .Major data shall be collected from the published
financial statements available in Pakistan Stock Exchange or
Company registered office. The financial data of these banks
shall be attained from their websites using internet. The links are
as given as under:
www.abl.com.pk
www.hbl.com.pk
Section II
Where is introduction about student??????
BIBLIOGRAPHY
I will use APA format for referencing as available on the website of
VULMS downloads portion and STA- 630 last lecture as under.
You are required to provide all references which you explored
and used at proposal stage. These must be in APA style
S.B.P. (2015), Credit Risk Analysis
Websites of Banks
Newspaper article:
Lee, G. (1996, June 21). Hospitalizations tied to ozone pollution: Study estimates 50,000
admissions annually. The Washington Post;Sect. A:3 (col. 5).
Legal material:
Regulated Health Professions Act, 1991, Stat. Of Ontario, 1991 Ch.18, as amended by 1993,
Ch.37: office consolidation. (Queen's Printer for Ontario 1994).
Electronic journal article:
Borman, W. C., Hanson, M. A., Oppler, S. H., Pulakos, E. D., & White, L. A. (1993). Role of
early supervisory experience in supervisor performance. Journal of Applied Psychology, 78, 443449. Retrieved October 23, 2000, from PsycARTICLES database.
Document available on a web page:
Chou, L., McClintock, R., Moretti, F., Nix, D. H. (1993). Technology and education: New wine
in new bottles: Choosing pasts and imagining educational futures. Retrieved August 24, 2000,
from Columbia University, Institute for Learning Technologies Web site:
http://www.ilt.columbia.edu/publications/papers/newwine1.html
Monograph in electronic format:
Reeves, J. R. T., & Maibach, H. (1995). CDI, clinical dermatology illustrated. (2nd ed.) [CDROM]. San Diego: CMEA Multimedia Group.