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Corporate Vision
• GTB won Best Export Performance Award from the Gem and
Jewelry industry
• GTB has spread its higher deposit rates over its lending rates
• Flexible time
First Sign of Trouble
• Credit decision process.
• In 2000, bank fell short of capital
• Lend to capital market (Ketan Parekh)
• Swap ratio of 9:4 (UTI:GTB)
• Share price- 2001/07 - 25.70
2004/08 - 3.60
Down fall
• In experience of branch manger
• 16% of GTB share were offloaded by investor between June 14 and July 24
•
• Smaller investors increased from 41 to 51% when bank was declared dead
Assets 7439.52 7346.13 9471.97 7542.1 5200.33 3781.49 2651.53 2213.53 959.34 1657.51
Profits -389.58 40.47 80.69 108.92 70.89 80.21 57.46 40.41 14.55 0.84
Intrest Income 539.6 724.22 897.5 695.51 491.36 399.08 356.83 171 36.04 4.14
Capital 121.36 121.36 121.36 121.36 104 104 104 104 104 8.25
ROA -5.23663 0.550902 0.851882 1.44416 1.363183 2.121122 2.167051 1.825591 1.516668 0.050678
Asset Turnover 0.072532 0.098585 0.094753 0.092217 0.094486 0.105535 0.134575 0.077252 0.037567 0.002498
Debt equity ratio 60.30125 59.53172 77.04853 61.14651 49.00317 35.36048 24.49548 20.28394 8.224423 199.9103
ROE -22.9037 3.233218 6.219249 8.143256 6.311712 7.915543 7.143645 2.860662 0.468606 0.025305