EXECUTIVE SUMMARY

This report is a mainly a comparative analysis of two third generation banks named TBL and
UCBL. At first, I have tried to evaluate individual performance of both the bank over the last
five years starting from 2008 to 2012. Ratios of different types are calculated based annual
reports’ information by using MS Excel and then plotted the results on graphs and interpreted for
the readers. Statistical analysis is conducted on the financial indicators.

In the first chapter I discussed about introduction of the report, Background of the report,
problem statement, Objectives and so on. In the second chapter I discussed about methodology
of the report. In the third chapter I discussed about overview of TBL and UCBL bank.

In the fourth chapter I discussed about financial indicators like deposit, loan and advances,
operating income, operating expenses, shareholders' equity etc are plotted with growth in graphs
to evaluate individual performance over the year for both the bank. Than in the fifth chapter I
make comparative analysis of financial indicators is done to evaluate which bank performs better
under respective indicator.

In the sixth chapter I discussed about ratio analysis is a good way to evaluate a bank
performance. I have calculated bank ROI, ROA, P/E and other ratios related to evaluate
performance of the bank.

In the seventh chapter I discussed about Statistical Analysis is conducted to evaluate the
comparative variability of financial indicators of UCBL and TBL. Statistical outcomes show that
TBL is found comparatively more consistent in net profit after tax, deposit, loans and advances,
remittance, operating expense, net interest income, earning asset and non-performing Loan than
UCBL. UCBL showed more consistency in export and import business.

After all this analysis in the last chapter I found UCBL performed better than TBL but if we
comment on consistency TBL is more consistent and financially strong bank than UCBL. UCBL
should make its capital base stronger to absorb any shock.

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