Dean (Academic Affairs, DIU) & Professor Department of Business Economics Faculty of Business & Entrepreneurship. Dean (Academic Affairs, DIU) & Professor Department of Business Administration Faculty of Business & Entrepreneurship Daffodil International University. By signing below, I, Morium Khatun Tania, a BBA student with student ID number, certify that the attached report, titled "Financial Analysis of BRAC Bank Limited," was written by me under the direction of Dr.
She did an internship with BRAC Bank Limited and wrote a report titled "BRAC Bank Limited Agricultural Loan Financing System" as part of her BBA work. Abu Siddiqui, Senior Vice President and BRAC Bank Limited Gulshan Branch who helped me a lot. Many thanks to everyone at BRAC Bank Limited Head Office, Anik Tower who tried their best to accompany me during my internship.
I also want to thank all the people working at BRAC Bank Limited Gulshan branch. This report paints a clear picture of the company's financial performance, its relevance and its value to the company.
Introduction
The origin of the study
The scope of the study
To create a competent financial services provider capable of working in any financial institution. Participate in a wide range of banking activities to accumulate a wealth of practical expertise.
The study objective
The Report's Methodology
Primary sources
Research Limitations
In the end, another problem was that this department did not have much experience before. Officers don't have much time to help because they have a lot to do every day. Every company has its own secret that is not shared with others. Employees did not say much because they wanted to protect the organization's secrets.
All the bank's branches were not physically visited, and not all the people who work there were spoken to. The majority of the information and data used in this study came from sources other than the study itself. Due to the work of key branch people, it became difficult to get accurate data (managers, senior officers).
The progress of the study may be hindered by the limitations mentioned in the document, but I always try to minimize their negative impacts.
Organization Overview
- Profile of BRAC Bank
- History of BRAC Bank
- Corporate Vision
- Corporate Mission
- Corporate Goals
- Objectives of the bank
- Achievements
- BRAC Bank Limited Departments
- Motto of the bank
- Corporate Information
- Core Values and Commitments
- Different Branches & ATMs of BRAC Bank Ltd
- Corporate Culture and Recognition
- Organizational Structure
- Swot Analysis
Investors include Shorecap International, BRAC and the International Finance Corporation who have a stake in the financial institution (IFC). BRAC Bank is a full-fledged commercial bank focused on exploring unfilled gaps in the small and medium business sector. More than 1.5 million small and medium-sized enterprises have received loans from the bank totaling more than BDT 2.5 billion in the five years since its inception.
BRAC Bank Limited, a financial institution based in Bangladesh, is one of the commercial banks that are publicly traded. The primary purpose of the bank is to conduct all banking activities. It will outperform any other bank in the region in terms of wealth and success.
The MD is the highest executive director of the bank and the official representative of the bank's board of directors. On the contrary, it keeps its offerings for small and medium-sized enterprises (SMEs) out of the spotlight.
Product and Services of BRAC Bank LTD
- BRAC Bank Products
- Financing for Working Capital
- Financing for capital equipment
- Financing for projects
- Financing a lease
- Trade Product and Services
- Cash Management Products
- Custodial Services
- Digital Banking, CORPnet, for Corporate Institutions
- Functional Units
BRAC Bank Limited helps pay for new projects and the expansion of existing ones, based on how much money you will make in the future. A variety of trade goods and services are available through BRAC Bank's corporate branches, regional trade center, industrial trade centers and central trade office. To better serve its customers' needs, BRAC Bank provides a variety of corporate account plans.
To meet the needs of every customer, BRAC Bank Limited offers a wide range of cash management services. Mobile Financial Services (MFS) has been offered to the Bangladeshi market by bKash Limited, a subsidiary of BRAC Bank, for some time now. Many asset management firms in the country create and manage mutual funds, and BRAC Bank is responsible for keeping track of them.
BO Account Opening Form – To hold shares to be purchased by BRAC Bank Limited on your behalf. BRAC Bank has created CORPnet, an online banking platform, for its corporate customers in a drive towards greater digitization. BRAC Bank's online banking system has a centralized banking structure similar to the ABN.AMRO model.
The SME division of BRAC Bank is the most important operational division of the bank. In 2004 and 2005, BRAC Bank was recognized as the bank with the highest growth rate and earned a total profit of 14 million taka. Corporate banking at BRAC Bank is tailored to the various banking requirements of BRAC Bank's corporate customers.
BRAC Bank's credit card division has grown twice as much as any other division in Bangladesh in the past year. BRAC Bank Credit Cards stand out from the crowd due to extensive advertising and branding efforts. Premium Banking draws attention to a niche market that forms a significant part of BRAC Bank's retail portfolio.
Financial Analysis
Financial Performance Evaluation
The term "financial execution" refers to the act of carrying out the procedures involved in the financial movement. In a broad sense, the term "financial execution" refers to the number of monetary targets that have been completed or are currently being completed. The following tools will not only help me understand the organization's financial condition, determine its creditworthiness, profitability, and ability to generate wealth, but they will also give me a better understanding of how well the organization is doing internally works.
Total Capital
Total Deposit
3.Total Investment
4.Total Advance
5.Total Paid up Capital
6.Net Profit
7.Total Assets
8.Fixed Assets
- Total Income
- Number of Shareholders
- Number of Employees
- Number of Branches
- Ratio Analysis
Description: The total income of a person or organization is the sum of all the money they have received. The total revenue growth rate over the past five years for BRAC Bank limit has been all over the place, with negative growth rates showing for 2018 and 2019 and a peak rate of over 0.64% in 2021. Description: BRAC Bank has never failed to allocated a portion of their workforce, and in addition, they recruited skilled representatives to provide superior assistance to their customers.
Description: The number of branches of BRAC Bank Limited will not change, although they plan to expand in 2018.
Ratio
1.Return on Assets (ROA)
2.Return on Equity (ROE)
3.Earnings per Share (EPS)
4.Capital to Risk-weighted Assets Ratio (CRAR)
CARA
5.Debt Equity Ratio
6.Cost to Income Ratio
7.Price Earnings Ratio
Findings
Recommendations Conclusion
Findings of the Report
Growth Rate: Over the past five years, BRAC Bank's overall development, total deposits, total investments, total assets, number of employees and number of branches have all increased at a respectable rate. Fluctuations in the growth rate: Over the past five years, BRAC Bank's total capital, net profit, total paid-up capital, fixed assets and net income have all experienced annual fluctuations in the growth rate. Shareholder: The number of shareholders at brac banks has fallen sharply in recent years.
Recommendation
Internship Experience
Internship Position
Responsibility
Conclusion
As a developing nation, there is no doubt in our minds that we need to focus a significant amount of attention and energy on our banking industry. One of the most successful commercial banks operating in the private banking industry is BRAC Bank Limited. For businesses of all types, Suidooster Bank Limited is responsible for a wide variety of important banking and non-banking activities.
The bank was founded by well-known business figures and industrialists of the country, each of whom had an interest in a different sector of the national economy. This report was prepared after its completion was required for the completion of the bachelor's degree.
