With all due respect, I am a Saheda Akter student of BBA program, ID of Daffodil International University, and I have completed the partial requirement for BBA program, a thesis report based on the topic has. Financial Performance Analysis of Mutual Trust Bank Limited." I struggled to get all the necessary information from all the resources available to me. To put it simply, Saheda Akter, a student in the Department of Business Administration at the Faculty of Business and Entrepreneurship with the ID number I have read this report in its entirety and have not discovered anything suspicious or that could contradict any people or topics.
The following Internship Report on "Financial Performance of Mutual Trust Bank (MTB) Limited" was specially created by me after completing a twelve week internship with Mutual Trust Bank (MTB) Limited. I further certify that this report is my own work and has been written solely to fulfill the requirements of the BBA program. By the grace of Almighty Allah, without whom this report could not have been published and enabled me to complete it within the stipulated time, I faced many difficulties while writing the report which made it difficult to complete.
He demonstrated to me the best strategy to use with this report and the possible obstacles that could arise that would make my job more difficult. Golam Rabby of Mutual Trust Bank (MTB) Limited, I could not find out anything about the real working environment at Mutual Trust Bank (MTB) Limited.
Introductory Parts ............................................................................................ 4-8
The Report’s Origin
Significance and Study's Reasoning
Research problems
The Objectives of Study
Scope of the study
Several studies have already been done on various elements of financial performance of Mutual Trust Bank Bangladesh. The main objective of Mutual Trust Bank Limited (MTBL) is to provide a global standard system of banking services in the financial sector. Mutual Trust Bank Limited has the following roles: Management of all types of deposit accounts with online features.
A branch of mutual trust, Bank Limited is located near Bosundhara Mall, Chandrashila Suvastu Tower, Panthapath Dhaka and close to the expected location. This indicates that the current assets of the mutual trust bank are in good condition. Year to year: For every Taka of total assets, the mutual trust bank was able to generate 0.019 Taka of revenue in 2014, according to its TAT.
The mutual trust bank's total revenue ratio is declining in 2021, except in the previous years, which is terrible news for the company. Year to Year: In 2014, the mutual trust bank's current asset ratio was 0.016, which suggests that it can generate 0.016 Taka in sales from a single Taka in current assets. Year to Year: In 2014, the mutual trust bank's ET ratio was 0.7 times, which means that for every 1 Taka in equity, the company generated 0.27 Taka in revenue.
Mutual Trust Bank's total debt ratio increased from 0.99 in 2019 to 0.93 in 2020, however, in 2021 it was increasing but not more than a year ago, indicating that the bank's debt against assets has fallen. Return on Equity: Over time, Mutual Trust Bank's ROE has similarly declined in 2020. Price Earnings Ratio: In 2021, Mutual Trust Bank Limited has a price-to-earnings ratio that is more lower than the industry average.
The Mutual Trust Financial Institution shifted its concentration to provide credit point centers in specific city areas. Although they can benefit from the agricultural sector, Mutual Trust Bank should provide additional credit point centers in rural areas. Mutual Trust Bank should maintain its cash ratio as it has become more important.
Since higher ROA indicates greater asset efficiency, mutually trusting banks should focus on return on assets (ROA). Mutual trust The Bank's ROA decreased in 2019, but increased more strongly in 2021 than the year before. By offering a third-generation banking framework, Mutual Trust Bank is starting to gain more customers.
Analyzing it, I can say that Mutual Trust Bank runs a conventional retail banking system which serves as a model for all other banks in Bangladesh.
Methodology of Study
Restrictions of the study
I have to rely on the website as Mutual Trust Bank (MTB) Limited does not have a large and diverse collection of magazines, but I faced some challenges due to security issues. A third generation private commercial bank headquartered in Dhaka, Bangladesh, Mutual Trust Bank Ltd. MTB) was recognized as the best financial institution in 2014 at the DHL-Daily Star Business Awards 2015. As a result of creating these two project statements, Mutual Trust Bank is confident that one day it will achieve its goal of being a role model in the banking industry Bangladesh as it will have a specialized banking system for population and financial performance.
Literature Review ............................................................................................ 8-10
Organizational Overview ............................................................................... 11-24
- Mission and Vision of MTBL
- MTB Core Values
- Objectives
- The board and its committee
- MTB corporation structure
- Functions Of MTB
- Management Hierarchy Structure of Mutual Trust Bank Limited
- Treasury service of MTB
- Shareholder Structure of MTB
- My Internship Experience At Mutual Trust Bank Ltd
- My job responsibilities
- Lessons from Internship Experience
- Profile of mutual trust bank panthapath branch
- People of the Panthapath Branch
34 "Women Entrepreneurs Friendly Bank of the Year" awards were previously awarded to MTB by Bangladesh Bank and SME Foundation. The Institute of Chartered Accountants of Bangladesh recognized MTB as the third best presented annual report in the Private Banks category. MTB wants to be known as a cutting edge, customer-focused business and one of the most admired banks in the country.
The goal is to become the country's most acclaimed financial institution, known as a dynamic, creative and customer-oriented company that provides a range of goods and services in the pursuit of excellence and generates a significant amount of economic value. Customers: Provide advanced service to their customers by offering a variety of goods and striving to fully meet their banking needs. Providing banking services to the poor, defenseless and low-income groups of the society to improve their standard of living.
MTB Grameen Griho Reen MTB Mortgage (c) MTB Credit Card MTB Gold Credit Card. MTB Mastercard Titanium Credit Card MTB Mastercard World Credit Card MTB VISA Platinum Credit Card MTB Visa Signature Credit Card. Panthapath branch of MTB offered me a job in their general banking branch and student bank.
This section offers a wide range of assistance including account opening, payment order issuance, bank statement delivery, debit/credit card delivery and student banking services. In some ordinary banking operations, there may be no courting between the banker and the buyer who will most simply receive a bearer 31 forming the financial institution. On the opposite side, there are customers with whom the financial institution does general business.
Opening new accounts, depositing funds, problems with financial institution drafts and payment orders, etc. Some internship experiences helped me think about my growth and development in the banking industry. Being on time is essential in the banking sector, as employees are expected to arrive at the office by 10am and complete their customer service tasks by 6pm every day.
I learned a lot about the banking system by taking the advice of senior officers and listening to them. I gained valuable insight from my mistakes, and I took extra care to avoid them in the future.
Financial Performance Analysis Of Mutual Trust Bank Limited .................... 24-43
- Financial Performance Analysis Using Ratio
- Liquidity analysis of mutual trust bank limited
- Efficiency or Activity Ratio
- Profitability Ratio of mutual trust bank
- Solvency Ratio of Mutual trust bank
- Market Ratio of Mutual trust bank
- Common size analysis of mutual trust bank
Short-term liabilities are short-term bills, current movements in long-term liabilities, accounts payable, accrued liabilities and miscellaneous accrued expenses. The cash ratio is calculated by multiplying a company's total current liabilities by the sum of its cash and current securities reserves. The cash ratio gives a better result in determining how much cash the bank has available to cover its current liabilities.
Current assets are cash, inventories of unfinished substances and finished goods, accounts receivable and current liabilities are debts payable. But there is a downward trend in 2018 because current liabilities increased in large proportion to current liabilities in 2018. Equity turnover ratio : Net sales of MTB / total equity of PBA Table Table 7: Equity turnover ratio .
Return on Assets: I calculated MTB's Return on Assets as ROA = Net Income of MTB / Total Assets of MTB. TIE = EBIT MTB / Total interest expense MTB Table 13: Interest ratio during profit. P/E = Current MTB Share Price/MTB Earnings per Share Table 14: Price to Earnings Ratio.
Findings,Recommendations,And Conclusions .............................................. 44-50
Recommendations
I noticed fewer things preventing the MTBL from realizing its finishing aspirations while I was training for the record and running the MTBL. The best ROA is obtained when comparing banks that are comparable to each other or when comparing a bank to its past performance. MTB should pay close attention to its return on equity (ROE) as a higher ROE indicates more profitability relative to shareholders' equity.
We are aware that three variables net profit margin, total assets ratio and equity ratio influence return on investment (ROI). If a sensitivity study had been done, we might have discovered which factor is more sensitive to ROE. The figure known as earnings per share (EPS) shows how much money a bank generates for each share of its stock.
An increase in value implies that shareholders are willing to pay more for the bank's shares. Therefore, the bank must reduce its cost of funds, operating costs and service area to have an upward trend in the amount of cash available to pay off its debt. Because the P/E ratio shows how much consumers are willing to spend for each dollar of profit reported.
Conclusion
