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Financial Performance Analysis of Dhaka Bank Limited

This document is a project report submitted by Md Mahadi Hassan to the Department of Business Administration at Dhaka International University in partial fulfillment of the requirements for a Bachelor of Business Administration degree. The report analyzes the financial performance of Dhaka Bank Limited over recent years. It includes chapters on the organization, an overview of general banking activities, and a detailed analysis of the bank's financial ratios from 2013 to 2016 related to liquidity, credit risk, and asset activity. The analysis aims to evaluate the bank's performance and identify any changes or trends in its financial position over this time period.

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SharifMahmud
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279 views

Financial Performance Analysis of Dhaka Bank Limited

This document is a project report submitted by Md Mahadi Hassan to the Department of Business Administration at Dhaka International University in partial fulfillment of the requirements for a Bachelor of Business Administration degree. The report analyzes the financial performance of Dhaka Bank Limited over recent years. It includes chapters on the organization, an overview of general banking activities, and a detailed analysis of the bank's financial ratios from 2013 to 2016 related to liquidity, credit risk, and asset activity. The analysis aims to evaluate the bank's performance and identify any changes or trends in its financial position over this time period.

Uploaded by

SharifMahmud
Copyright
© © All Rights Reserved
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Financial Performance Analysis Of Dhaka Bank limited

By
Md Mahadi Hassan

A project Report
Submitted to the
Department of Business Administration

In partial fulfillment of the requirements for the award of the degree

of

Bachelor of Business Administration

Dhaka International University

November/25/2018
Financial Performance Analysis Of Dhaka Bank limited

By
Md Mahadi Hassan
Roll No: 01
Reg. No: 243946
Batch: 28th B
Major: Finance
Department of Business Administration
Dhaka International University

Supervisor
Md. Azmir Hossain
Associate professor

Dhaka international University

Date of submission:25/11/2018

i
LETTER OF TRANSMITTAL
2018
Md. Azmir Hossain
Associate professor
Department of Business Administration
Dhaka International University
66, Green Road, Dhaka

Subject: Submission of an Internship Report Titled “Financial Performance Analysis Of Dhaka Bank
limited”.

Dear Sir,
I am very pleased to submit my term paper on “Financial Performance Analysis Of Dhaka Bank
limited”. I have tried to the best of my sincerity and effort to prepare the report covering the
aspects of the topic as per your instructions and suggestions.

I have tried my best to gain practical experience and tried to reflect the same in this report with
limited scope and knowledge. I wish your kind hearty consideration, if there is any deviation in
my report.

I want to thank for your friendly coordination to make the program success.

Yours truly,
--------------------------
Md Mahadi Hassan
Roll No: 01
Reg. No: 243946
Batch: 28th B
Major: Finance
Department of Business Administration
Dhaka International University

ii
Certificate of the Supervisor

This is to certify that Md Mahadi Hassan, Roll No: 01, Reg. No: 243946, Batch: 28th B, Major in
Finance is a student of BBA program of Dhaka International University has done an Internship
program in Dhaka Bank Limited and submitted the report titled “Financial Performance Analysis
Of Dhaka Bank limited” under my supervision and guidance.

I wish his every success in life.

---------------------------
(Md. Azmir Hossain)
Associate professor
Department of Business Administration
Dhaka International University

iii
Acknowledgement

First of all I would like to express gratitude to almighty Allah. Then all the people who were
involved both directly and indirectly in the preparation of this report. I apologize to the people
whose names that I have not mentioned, and their contribution is highly appreciated by me. At
first, I would like to thank my academic supervisor Md Azmir Hossain Associate professor
Department of Business Administration Faculty of Business Studies Dhaka International
University

For guiding me and for giving me the opportunity to initiate this report. More specifically, I
would like to thank her for in Chaptering his time and wisdom.

I was placed in General Banking Division of Dhaka Bank Limited, Dhanmondi Model Branch to
work as an intern. I want to thank all the officials of Dhaka Bank Limited that were involved. I
would especially like to thank Mr. Mujib A Siddique (Head of HR), Mr. Shabbir Ahmad (SVP and
Manager), Shawkat Ali Khan (VP and Operation Manager), Aleya Begum (AVP and GB In-
charge), Nahida Yasmin (SPO), and Mahbuba Sultana Mita (Officer) for giving me time and
sharing their thoughts. I would like to thank them for giving me the required information to
commence this report and for providing the permission to do the required analysis work.

I also would like to give my gratitude to a very important person who has made it all happen for
me at Dhaka Bank Limited - Mr. Khondker Fazle Rashid (Managing Director). Finally, I would like
to thank my parents and my brother whose influence and inspiration has enabled me to
complete thesis report.

vi
Executive Summary
This internship report is based on my internship program and financial statements of 2013, 2014,
2015 and 2016 of Dhaka Bank Limited. In my internship period, I worked in General Banking. It
was a great opportunity to experience and gather knowledge different types of banking
operations. My faculty supervisor helped me to choose the topic- “Financial Performance
Analysis of Dhaka Bank Limited”.

Ratio analysis is the most popular trend to evaluate a bank’s performance over years or with
other companies in an industry. In my report I had to study Financial Performance Analysis of
Dhaka Bank Limited’s financial statements for the last three years then had to analyze and give
significant comments regarding the changes in the financial position. The management team of
any bank, investor and the government agencies always concern about liquidity ratios and
adequacy ratios of a bank which interprets the efficiency of a bank.

As a Chapter of my B.B.A program, I have spent 12 weeks in Financial Performance Analysis of


Dhaka Bank Limited, Dhanmondi Model Branch learning the activities of general banking. I
have analyzed the financial statements of Financial Performance Analysis of Dhaka Bank
Limited to find out its ratios by using its past and current records. After preparing this report I
came to know that analysis of financial statements through ratios helps to overcome the past
flaws and make the future decisions and strategies. Therefore, it is very necessary for every
organization whether the company’s size is to make financial statement and to analyze it by
ratios.

v
TABLE OF CONTENT

Chapter Contents Page No

Cover Page

Title Page i
Letter Of Transmittal ii
Supervisor Authentication iii
Acknowledgement iv
Executive Summary V
Chapter:1 Introduction 01-05
1.1 Introduction 02
1.2 Origin of the report 03
1.3 Objective of the report 03
1.3.1 General Objective 03

1.3.2 Specific Objective 04


1.4 Scope of the report 04
1.5 Methodology 04
1.5.1 Secondary Sources 04
1.6 Limitation of the report 05
Chapter:2 Organization 06-09
2.1 An Overview of Dhaka Bank Limited (DBL) 07
2.2 Background of Dhaka Bank Limited 07
2.3 Mission 07
2.4 Vision 07-08
2.5 Objectives 08
2.6 Corporate values 08
Chapter:3 An Overview of General Banking 9-11
3:1 An Overview of General Banking 10
3.2 Account Opening Section 10

3.2 Account Opening Section 11

3.3 Current Deposit, Saving Deposit, Fixed deposit, 11


Short Term Deposit
Chapter:4 Financial Performance Analysis of Dhaka Bank 12-52
Limited
4.1 Introduction 13
4.2 Project Objective 13
4.3 Project summary 13
4.4 Project Analysis 13
4.4.1 Core Deposit Ratio 14-15
4.4.2 Deposit Composition Ratio 15-16
4.4.3 Cash Position Indicator 16-17
4.4.4 Liquid Securities Indicator 18-19
4.4.5 Capacity Ratio 19-20
4.4.6 Investment Maturity Strategy 20-22
4.4.7 Internal Capital Growth Rate (ICGR) 22-23
4.4.8 Tier 1 capital 23-25
4.4.9 Tier 2 capital 25-26
4.4.10 RAP Capital 26-27
4.4.11 GAAP Capital 27-28
4.4.12 Leverage Ratio 29-30
4.4.13 LIQUIDITY RATIOS 30
4.4.13.1 Cash Ratio 31-32
4.4.13.2 Loans to Total Deposit 32-33
4.4.13.3 Loans to Total Asset 33-35
4.4.14 CREDIT RISK RATIOS 35
4.4.14.1 Equity to Asset 35-36
4.4.14.2 Equity to Net Loans 36-37
4.4.15 ASSET ACTIVITY RATIOS 38
4.4.15.1 Fixed Asset Turnover 38-39
4.4.15.2 Net Asset Turnover 39-40
4.4.16 Return on Asset 41-42
4.4.17 Return on Equity 42-44
4.4.18 Return on Deposit 44-45
Chapter:5 Finding,Recommendation & Conclusion 46-49
5.1 Finding 47
5.2 Recommendation 48
5.3 Conclusion 49
Reference 50

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