Comprehensive Analysis Between Dhaka Bank & Southeast Bank on Operating Efficiency

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• Financial Analysis of Dhaka Bank & Southeast Bank Essay

  ...Financial Analysis Of Dhaka Bank & Southeast bank Introduction The banking sector in Bangladesh comprises of four categories of scheduled banks. These are, nationalized commercial banks (NCBs), government owned development finance institutions (DFIs), private commercial banks (PCBs) and foreign commercial banks (FCBs). As of December 2004, total number of banks operating in Bangladesh remained unchanged at 49. These banks have a total number of 6,303 branches including 10 overseas branches. Structure of the banking sector with breakdown by type of banks. In 2004, the nationalized commercial banks (NCBs) held 39.6 percent of the total industry assets against 41.7 percent in 2003. Evidently, NCBs' domination in this area is showing a declining trend, while PCBs’ share rose to 43.5percent in 2004 against 40.8 percent in 2003. The foreign commercial banks held 7.2 percent of the industry assets in 2004, showing a little decrease by 0.1 percentage point over the previous year. There has been a decline in the operation of the DFIs with their shares of assets of only 9.7percent in 2004, against 10.2 percent in 2003. So from this statistics, we saw that our commercial banks are doing very good business in Bangladesh and they are playing a vital...

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• City Bank vs Southeast Bank Financial Performance Analysis Essay

  ...report of performance analysis of the company entitled City Bank. The ratio analysis will help to compare the financial performance of the company, with Southeast Bank Limited. The period of analysis is from 2004 to 2009. The performance of City Bank has been analyze in terms of ➢ Liquidity ➢ Leverage ➢ Activity (efficiency) ➢ Profitability ➢ Market Position I have selected City Bank because it has been one of the leading banks in the banking industry of Bangladesh. It has always given priority to its customers and has served them with various customized products & services. It has also shown commitments on a consistent basis through different part of the society as a CSR activity. Thus, I have decided to choose City Bank as our subject of concern. Objectives The objective of this report is to analyze the financial performance of City Bank from the years 2004 to 2009 and compare with Southeast Bank Limited financial performance. Ratios have been used as an instrument to analyze the financial performance of the bank. But that is not all I will provide with explanations for the financial performance of the company and its competitor whether it performance is satisfactory or not compare to its competitor....

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• Financial Performance of Private Commercial Banks in Bangladesh with special emphasis on Dhaka Bank Ltd Essay

  ...& the Internship Supervisor School of Business BBA Program, East Delta University, Chittagong. Subject: Submission of Report on “Financial Performance of Private Commercial Banks in Bangladesh; with special emphasis on Dhaka Bank Ltd.” Dear Sir, I would like to thank you for giving me a great opportunity to conduct a research on the financial performance of private banks with a special emphasis onDhaka Bank Limited located in Bangladesh. I tried my level best to give the greatest concentration and knowledge in preparing this report. This report would not have been possible without your cooperation and constant monitoring. I feel very privileged to be a part of the research project that helped me gather knowledge regarding the operations at Dhaka Bank Ltd. operating at Agrabad, Chittagong, Bangladesh. Please pardon me for any inconvenience or mistakes that may have appeared beyond my knowledge. Therefore, I would like to thank you for your continued support that will be rewarded only if it can satisfy you. Sincerely, Tamima Alam ID: 101003502 _____________________ Signature Student’s Declaration Internship Report: I hereby announce that the extensive study entitled “Financial Performance of Private Commercial Banks in Bangladesh; with special emphasis on Dhaka Bank Ltd.” Prepared in...

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• Bank Essay

  ...9 3.3 PEST Analysis 11 3.4 Porter’s 5 Forces 11 4. Internal Analysis 12 4.1 Corporate Governance Analysis 12 4.2 McKinsey Seven ‘S’ Framework 13 5. Financial and Strategic Analysis 15 5.1 Time-series Analysis 15 5.2 Cross-sectional Analysis 16 5.3 Common Size (Vertical) Analysis 16 5.4 Trend (Horizontal) Analysis 17 5.5 Ratio Analysis 17 5.6 Dividend Policy 19 6. SWOT Analysis 20 7. Scenario Analysis 20 7.1 Grow organically in Western Australia 20 7.2 Growth by acquisition 21 7.3 Expand overseas 22 7.4 Scenario discussion 22 8. Supporting the strategy 24 9. Conclusion 27 11. Appendix 32 Appendix 11.1 – International Operations 32 Appendix 11.2 – NPAT Financials 33 Appendix 11.3 – Local Network 34 Appendix 11.4 – 2010 Awards 34 Appendix 11.5 – PEST Analysis 34 Appendix 11.6 – Porter’s 5 Forces 40 Appendix 11.7 – Common Size Analysis for CBA 2009 42 Appendix 11.8 – Trend Analysis for CBA 2009 43 Appendix 11.9 – Ratios Table for the “big four” 2007-2009 44 Appendix 11.10 – Dividend Paid from 2007 to 2009 45 Appendix 11.11 – Dividend History for Commonwealth Bank of Australia 45 Appendix 11.12 – SWOT Analysis 46 Appendix 11.13 – OECD Forecasts 50 Appendix 11.14 – Chinese Resources Figures...

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• Bank Essay

  ...intermediary is a bank that consolidates deposits and uses the funds to transform them into loans. Through the process of financial intermediation, certain assets or liabilities are transformed into different assets or liabilities. As such, financial intermediaries channel funds from people who have extra money or surplus savings (savers) to those who do not have enough money to carry out a desired activity (borrowers). A financial intermediary is typically an institution that facilitates the channeling of funds between lenders and borrowers indirectly. That is, savers (lenders) give funds to an intermediary institution (such as a bank), and that institution gives those funds to spenders (borrowers). This may be in the form of loans or mortgages. Alternatively, they may lend the money directly via the financial markets, which is known as financial disintermediation. In the context of climate finance and development, financial intermediaries generally refer to private sector intermediaries, such as banks, private equity, venture capital funds, leasing companies, insurance and pension funds, and micro-credit providers. Increasingly, international financial institutions provide funding via companies in the financial sector, rather than directly financing projects. Functions performed by financial intermediaries Financial intermediaries provide three major functions: 1. Maturity transformation. Converting...

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• Dhaka Bank Essay

  ...than 50 commercial & specialized banks are conducting their operations, but they differ from one another in many ways regarding their services. In the banking system the department of foreign exchange is very foremost section where letter of credit (LC) is the primary financial tool which used in the most import and export transactions. Guaranteed payment upon presentation of the documents, reducing the production risk, obtain financing for production or purchase of goods, allows the importer to avoid or reduce pre-payment and also the payment will be made only upon presentation of the documents confirming shipment of the goods. All these help the bank to deals with the customers in the country and also outside the country. With due consent of my supervisor, I have selected my area of interest in this particular aspect and set my internship topic as “Letter of Credit Operation and its impact on DHAKA Bank Limited”. I deem my effort will provide not only theoretical knowledge but also practical experience which helps to know how bank perform Letter of credit transaction practically. The letter of credit is the safest, most secure and most convenient settlement method for international transactions. In Bangladesh there are different banks works for developing not only the customer’s satisfaction but also the countries economic development. DHAKA Bank is one of...

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• profitability analysis of three banks Essay

  ...knowledge in my internship program at the Jomuna Bank Limited Motijhil Branch which was assigned to me as a fulfilment of the course BBA program and enhance my ability to understand as a hole. I will be glad to accept and clarity any inquiries regarding this report. Would you please kindly accept my report and oblige me thereby. Thank you very much for your kind co-operation. Yours sincerely, _______________ Sharmin Akter ID# 0820202 ACKNOWLEDGEMENT At first I would like to express my gratitude to almighty Allah who has given me the opportunity to go through the total process of internship and to write a report in this regard. I would like to acknowledge my deepest gratitude to the honourable supervisor Mr. Saquib Shahriar, Lecturer, Finance, School of business, Independent University, Bangladesh who has given me suggestions regarding the writing of the report and to go through the process, which has become an excellent way of understanding the topic of my internship. I am very much grateful to the executive of JBL who extended their wholehearted cooperation during my internship period. I would like to extend my gratitude to Manager; Senior Principle Officer; Executive officer, General Banking In charge; Officer, Customer Relation Desk; Officer, General Banking; Officer, Foreign Exchange; officer, Investment division. I express my indebtedness to Md. Masudur Rahman Vice President and Manager of “Jomuna Bank...

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• Essay on Ratio Analysis of Bank of India

  ...Analysis of Financial Ratios On Bank Of India By S Raj Sharan Roll No. 28 Index Topics Page No 1. Introduction..…………………………………………………………... 2 2. Spread Analysis …………………………………………………….... 3 3. Efficiency Ratios ………………………………………………………. 5 4. Growth Ratios …………………………………………………………. 7 5. Profitability Ratios …………………………………………………… 8 6. Valuation Ratios ………………………………………………………. 9 7. Asset Quality & Capital..…………………………………………..11 8. Overall Analysis against the Competitors …………………12 Page | 1 Bank Of India Introduction Bank Of India was started by a group of business men in 1906 with a paid up capital of 50lakh rupees. It was under the private partnership till 1969, when it was nationalised along with 13 other banks. In due course the bank has spreaded all over the country with the growth of 26% and now it has more than 3000 branches nationwide and 29 branches abroad. The Bank of India has headquarters at Mumbai and today it occupies a premier position in terms of business volume with a business mix of 515040 crores. It’s the first nationalised bank to computerise all its branches and also the founder of SWIFT message in India. The bank has been ranked 8th in TOP 50 SERVICE BRANDS in ‘The Most Trusted Brands Survey 2010’ and 2nd among all Public Sector Banks. Its first public offering was...

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