I take pleasure in reading the report on “Financial Performance Analysis of Rupali Bank Ltd.” hand in. as a requirement of the BBA program of the Department of Business Administration for your consideration. He has effectively completed his internship program at Rupali Bank Ltd and has prepared this internship under my direct guidance. His given internship theme is "Financial Performance Analysis of Rupali Bank Ltd." I believe that the report is deserved to satisfy the sharing needs of BBA program.
During the internship phase, I felt many points in Rupali Bank Limited which I have even attached for the duration of this report by gathering conclusions and recommendations. The main objective of Rupali Bank is to provide banking services to a wide range of people in the country. As a BBA student, I actually completed three (3) months of internship with Rupali Bank Limited at Asad gate branch.
I have prepared an internship report named “Financial Performance Analysis of Rupali Bank Limited” by using practical knowledge and hands-on experience during internship at Rupali Bank Ltd in Asad Gate Branch.
Scope of the study
As a prerequisite for the Bachelor of Business Administration (BBA) degree from Daffodil International University (DIU), it is necessary to complete an internship from a reputed company &.
Objectives of the Study
Data collection
In this report, an evocative technique was used to gain insight as well as concern about RBL's financial performance. To perform cram data sources were recognized and calm, they were classified, analyzed, interpreted as well as obtainable in a complete way and vital points are locate out. This all-encompassing progression of methodology is set out below, which has been followed in the analysis.
Sources of data: The statistics used to include this report were calm from the Primary sources as well as Secondary sources. The revision effect will not replicate the correct reality, because the respondents will not fill in the questionnaires freely. Although it is a civilian bank, the majority of the knowledge about the bank and its goods are not visibly mentioned on its websites and therefore the website is not up to date forever.
As the internship is the first sensible experience, it is impossible to understand everything about banking.
About Rupali Bank Limited (RBL)
- Corporate Vision
- Corporate Mission
- Types of Accounts & deposit Products
- Account Opening & closing Section
- Utility services
- Cash Section
- Remittance
Originated because the largest Public Limited deposit financial institution of the country on December 14, 1986 (Rupali Bank Limited. It calls the bank is dedicated to the fulfillment of diverse desires of its customers at an enthusiastic value through the use of correct tools and given that finally service so that a sustainable expansion, meaningful return and involvement in the event of the country is often ensured with an aggravated and specialized staff.
If the payout balance exceeds 1/4 of the entire amount by any chance, nix extra or less income is pre-agreed in advance of the cash paid for that month. Just in case a combined first name also Rupali Bank Ltd gets hold of the management regarding disbursement of cash on the mellowness of deposit. A timed account is then issued to the depositor admitting acceptance of the figure for cash there.
In addition, the candidate is essential to display the names of the indicator which means "introductory information" for which the bank official makes inquiry regarding the nature, honesty and decency of the candidates. These marks are in use on cards, which are kept by bank officials, and his account holder's mark on checks is contrasted between the sample mark. The customer must replenish the confiscation in the leaflet in the cash deposit period through the bank.
The banker with his/her original and footstool will return the cash payment proof to the disappointed customer. The customer must draft a full amount check and a zero balance check for use by the account owner. Ruapli Bank SureCash is committed to expanding the network of monetary additions among the Bangladeshi public by making mobile money transfer easy.
Many types of funded credit and advances are available in the Rupali Bank Branch. Uniform Customs and Practice for Documentary Credits” is formulated by the international Chamber of Commerce to avoid the scope for uncertainties and distinctions in the explanation of conditions of the credit. Demand Draft is a regulation of relation to bank on one more local office of an equivalent bank to repay specific amount of cash to the beneficiary on insistence called individual or kind of the demand.
It is usually concerned at what point the consumer wants to send cash in a location which is outside the clearing-house region of that local office.
Theory analysis
- Asset Activity Ratios
- Efficiency Ratio
- Financial Risk Ratio
- Common Size of balance sheet
- Common Size of Income Statement
- Trend Analysis
- Trend Analysis of Balance sheet
- Trend Analysis of Income Sheet
Liquidity refers to the infusion of capital in a company to satisfy small cash needs. Common-size psychoanalysis is an instrument for evaluating unit accounting objects or a collection of objects over a period of time with accurately based amounts. We typically describe a larger collective number as a basis, which for a bank's profit and loss statement is the total income or proceeds and for a balance sheet generally is the total holdings.
So, for the joint study of RBL's financial statements, I have arranged its profit and loss statements and balance sheets of a total size of four years. I use common size statements (RBLs) to reveal transformations within the comparative importance of each budget substance. A standard size balance sheet is a record that reciprocally shows the numerical value and comparative ratio for total assets, total liabilities, and capital accounts.
A common-sized balance sheet allows the comparative level of each asset, liability and equity account to be quickly evaluated. A general-sized income report is a budget in which each account is expressed as a percentage of the sales price. The psychoanalysis of common profit metrics makes it easier to identify what motivates a company's profits and evaluates that story for its peers.
Looking at how that recitation changed more than example, common size monetary proclamations help investors mark trends that a raw fiscal statements might not expose. Balance sheet is a monetary statement of an organization's monetary situation at a particular point in time. 25 monetary situation improves or declines based on the share difference within the balance sheet accounts.
To calculate the change, a company will check the dollar amount of balance sheet accounts over 2 or more years. Parallel analysis is a method of examining the accounting statement that shows changes within the amount of corresponding monetary report substance in addition to a step of your time.
Chapter: 4
Financial Performance of Rupali Bank Ltd
Liquidity Ratio
The cash ratio or cash coverage ratio is a liquidity ratio that indicates a firm's ability to pay off its current liabilities with only cash and cash equivalents.
LIQUDITY RATIO
ASSETS ACTIVITY RATIOS
EFFICIENCY RATIOS
PROFITABILITY RATIOS
Credit Risk Ratios
CREDIT RISK RATIOS
OTHERS RATIOS
As stated in accounting calculations, this is also equal to total liabilities and equity, making any term in the study invariant. Total liabilities can also be used to determine where a company's liabilities lie and whether it is being conservative or risky in its debt management. 37 Interpretation: Psychoanalysis of trends is a feature of a practical study that attempts to predict the possibility that a treasure association depends on historical information.
Trend psychoanalysis depends on the idea that what has happened in history gives traders an idea of what will happen in the future. Net profit after tax increased from 2015 to 2016, then randomly decreased, which means that the company faces several years of loss.
Chapter: 5
Problems, Recommendation & Conclusion
The cash-to-asset and deposit-to-deposit ratio has decreased from 2015 to 2019, RBL should be concerned about that as those ratios are the indicator of the liquidity position of the company. Since that turnover has often been used as an indicator of efficiency, the company must take care of it. This means that operating and non-operating expenses were increased last year, which is not good for the Bank.
There is no return on assets and ROE fluctuates from 2015 to 2019 which is bad for the Bank. It is very strenuous to give advice based on three months of work experience and it would be bold of me to give advice to people who have better knowledge and expertise than me. The bank should focus on the cash-to-assets ratio and the cash-to-deposit ratio and figure out how to increase it.
The bank should focus on utilizing its assets in the coming years so that total asset turnover, fixed asset turnover can increase in coming years. It should increase its net operating profit margin by reducing expenses and using equity capital to cover liability increase and achieve its target. On this spirited planet, progress will only happen if the right choice at the right time creates for the banks, like every monetary institution.
While they are moderately low cost contribution service, but thanks to the lack of precise advisory actions plus as the customer fulfillment phase of the close to ground repair class is bad. Another fixated organization should review that RBL is giving a particular savings system with moderately superior returns among additional banks, which can be a necessary step for a long-term place in the money market. Currently, other banks are approaching within the money market to arrange for savings to be shared more.
Finally, I can say that the civilized perfection of the repair is the only key for the reason that there are currently few alternatives. To adjust the scope of the end-user approval point, the RBL must present precise instructions for employees to show staff members the actions during an acceptable point.
