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Internsip Presentation On Financial Performance Analysis of NCC Bank Limited A Study On Madhunaghat Branch

The document is a presentation analyzing the financial performance of NCC Bank Limited's Madhunaghat branch from 2013-2018. It analyzes key metrics like deposit growth, loan to deposit ratio, net income, current ratio, debt ratio, net profit margin, return on assets, and return on equity. Some major observations are that the loan to deposit ratio increased to 62.95% in 2018, net income growth was high in 2016 and 2018, current and debt ratios remained satisfactory, and profitability metrics like net profit margin, return on assets, and return on equity decreased from 2015-2017 but improved in 2018. The presentation aims to evaluate the bank's financial strength and weaknesses over the past four years.

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Shafayet Jamil
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41 views19 pages

Internsip Presentation On Financial Performance Analysis of NCC Bank Limited A Study On Madhunaghat Branch

The document is a presentation analyzing the financial performance of NCC Bank Limited's Madhunaghat branch from 2013-2018. It analyzes key metrics like deposit growth, loan to deposit ratio, net income, current ratio, debt ratio, net profit margin, return on assets, and return on equity. Some major observations are that the loan to deposit ratio increased to 62.95% in 2018, net income growth was high in 2016 and 2018, current and debt ratios remained satisfactory, and profitability metrics like net profit margin, return on assets, and return on equity decreased from 2015-2017 but improved in 2018. The presentation aims to evaluate the bank's financial strength and weaknesses over the past four years.

Uploaded by

Shafayet Jamil
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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INTERNSIP PRESENTATION

On
Financial Performance Analysis of NCC Bank Limited
A Study on Madhunaghat Branch

UNDER THE SUPERVISION OF


Dr. Emon Kalyan Chowdhury
Associate Professor, School of Business
CIU

Presented By
Murshed Alam
ID: 15301024
BBA, School of Business,
CIU
OBJECTIVES OF THE REPORT

 To analyze the financial performance of NCC Bank Limited in


the last four years. (2015-2018)
 To Measure profitability scenario

 To examine debt position of United Commercial bank limited

 To identify the strength and weakness of the bank based on the


financial performance in the last four years.
Methodology of the Research

Primary Data
Direct conversation with bank officers

Secondary Data
Annual reports
Books
Articles
Instruments Used For Data Analysis

• Trend Analysis
• Ratio Analysis
COMPANY PROFILE

• National Credit and Commerce Bank Limited established in 1985


• 116 Branch around the country
• 42 Branches in Chittagong.
• Created a new standard in financing in the Industrial, Trade and Foreign
exchange business.
• High quality customer service
FINANCIAL
OVERVIEW
DEPOSIT GROWTH

Madhunaghat Branch Deposit Collection


12
10.77

10 9.46
9.22
8.92
8.36 8.5
8
Amount Tk. in Crore

0
2013 2014 2015 2016 2017 2018
LOANS AND ADVANCES

Loans and Advances of Madhunaghat Branch


8

7 6.78

6 5.78

5
4.52 4.56
Deposit
4
3.63
3.27
3

0
2013 2014 2015 2016 2017 2018
LOANS Compared To DEPOSIT
Particulars 2013 2014 2015 2016 2017 2018
Loans 3.27 3.63 4.52 5.78 4.56 6.78

Deposits 8.36 8.50 8.92 9.22 9.46 10.77

LTD Ratio 39.11% 42.7% 50.67% 62.68% 48.2% 62.95%

LTD Ratio for Madhunaghat Branch


70.00%
62.68% 62.95%
60.00%
50.67%
48.20%
50.00%
42.70%
39.11%
40.00% LTD Ratio
Axis Title
30.00%

20.00%

10.00%

0.00%
2013 2014 2015 2016 2017 2018
NET INCOME after Tax
Year 2013 2014 2015 2016 2017 2018
Net Income
after Tax 2.7 2.88 2.92 3.56 3.67 4.22
(Tk. Crore)
-
Growth 6.67% 1.39% 21.92% 3.09% 14.98%
Rate

Net Income in crore at Madhunaganj Branch


4.5 4.22
4 3.67
3.56
3.5
3 2.88 2.92
2.7
2.5 Net Income
2
1.5
1
0.5
0
2013 2014 2015 2016 2017 2018
RATIO
ANALYSIS
Current Ratio

Year 2015 2016 2017 2018


108,791,342,196 120,691,016,472 157,898,600,871 157,010,788,637
Current Asset
144,202,510,136 139,510,917,707
Current Liability 95,407,908,332107,837,411,843

Current Ratio 1.14 1.12 1.09 1.13

Current Ratio
1.16
1.14
1.12
1.1 Current
Ratio
1.08
1.06
2015 2016 2017 2018
Debt Ratio
Year 2015 2016 2017 2018
107,879,663,647 123,598,443,600 163,522,243,477 160,314,216,168
Total Liabilities
117,297,555,748 133,201,048,438 173,676,792,029 171,901,669,638
Total Asset

Debt ratio 0.92 0.93 0.94 0.93

Debt Ratio
0.95
0.94
0.94
0.93 Debt Ratio
0.93
0.92
0.92
0.91
2015 2016 2017 2018
NetNet
Profit
Profit Margin
Margin
Year 2015 2016 2017 2018

Net Profit Margin 0.18 0.17 0.05 0.10

Net Profit Margin


0.2
0.18
0.18 0.17
0.16
0.14
0.12
Net Profit Margin
0.1
0.1
0.08
0.06 0.05
0.04
0.02
0
2015 2016 2017 2018
Return on Assets
Year 2015 2016 2017 2018

Return on Asset
(ROA) 1.55% 1.36% 0.35% 0.72%

ROA
1.80%
1.60% 1.55%
1.40% 1.36%
1.20%
1.00% ROA
0.80% 0.72%
0.60%
0.40% 0.35%
0.20%
0.00%
2015 2016 2017 2018
Return on Equity
Year 2015 2016 2017 2018

Return on Equity 18.95% 17.90% 5.47% 11.46%

ROE
20.00% 18.95%
17.90%
18.00%
16.00%
14.00%
12.00% 11.46%
ROE
10.00%
8.00%
6.00% 5.47%
4.00%
2.00%
0.00%
2015 2016 2017 2018
Major Observations
• The LTD ratio of Madhunaghat Branch had a downward trend of from 2016 to 2017 before
increasing to 62.95% which indicates that the branch was engaged highly in lending
• the growth rate in Net Income at Madhunaghat was satisfactory in the year 2014 and 2015 but
it was very high in the year 2016 at 3.56 crore. The growth rate had a significant rise in 2018.
• NCCBL maintains current ratio more than 1:1 ratios. It indicates that NCCBL’s liquidity
position is not bad.
• From the analysis it has seen that NCCBL’s debt ratios were satisfactory range in compare to
other banks and also it was decreasing trend
• In the year 2015 to 2017 NCCBL’s net profit margin decreasing year by year which indicate
that the bank’s operating result were not improving. But in 2018 it improved better than
previous year.
• From the analysis it has seen that NCCBL’s ROA were gradually decreasing and in 2015 to
2017. But it’s improved from 2017 to 2018. Whereas ROE of NCCBL’s was around 18% in
2015 and 2016. In 2017 because of recession and bad market position Return on Equity
reduced unbelievably at 5.47%. But in 2018 NCCBL’s able to increase their ROE at 11.46%
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