The section begins with the analyst describing the relevance of ratio analysis as tool to measure organization level performances

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The section begins with the analyst describing the relevance of ratio analysis as tool to measure organization level performances and how such analysis assists and guides internal and external stakeholder In the decision –making process. Also captured a

Task 1 - Ratio Analysis & Financial Interpretations

Task 1 - Ratio Analysis & Financial Interpretations 

 The section begins with the analyst describing the relevance of ratio analysis as tool to measure organization level performances and how such analysis assists and guides internal and external stakeholder In the decision –making process. Also captured are the merits and the limitation of using this tool along with examples to present the conceptual understanding of the analyst in evaluating accounting procedures that was practiced by both the banks chosen for this study .

Each ratio has been supported with the relevant formulae, definition and rationale’ along with  the calculations arrived at for the period 2013-14 for the chosen and the competitor organization.

 All 6 ratios should have been ideally interpreted considering financial, management, operational factors, macro-economic and macro-business environment that were very well explained in the previous sections which impacted the UAE Banking Industry and particularly the organizations[chosen and competitor] to  have captured the actual movements in line items and reasons and justifications arising out of,  well supported facts evidenced from its annual reports and through the Deloitte Study presented.

Unfortunately Current , Quick Ratios are not interpreted well ,while Gearing Ratio , Interest Cover Ratio has focussed more on the wording the values arrived at in a generic manner .It is really strange to see in this section as to why the analyst reversed the order , ideally each ratio should have compared positions between NBAD and ENBD and not the other way around .

Why has the analyst not interpreted positions for ENBD in Net Profit Margin Ratio?, Why has the analyst not interpreted the position for NBAD in the Operating Profit Margin Ratio? When interpreting Dividend Yield Ratios which runs off in just a sentence, why no positions has been considered for NBAD?

• P/e ratios have been discussed well
• Graphs have been well supported to provide a visual presentation for each ratio. However a bit of a problem for this section has not been dealt well.

TASK 3- BUDGETING

Budgeting 

Apart from what has been presented, please discuss on the whether Traditional Budgets are still relevant in the modern environment :? How has concepts of Zero Based Budgeting , Activity based budgeting , Flexible Budgeting turned around performances ?  Can budgets be used as an effective tool for Performance Appraisals? , Which approach in Budgeting is better - Top Down Approach, Bottom Up Approach or a Negotiated Approach . Would budgets survive as a tool in 2040?

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