Report on Brac Bank

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Home » Report » Project Report On Performance Appraisal of BRAC Bank Limited part 4

Project Report On Performance Appraisal of BRAC Bank Limited part 4

Posted by zdhnsu on Sep 7th, 2010 // 3 Comments
Super Supply Loan
Super Supply Loan is a loan facility for Suppliers of various large retailers, marketing companies, manufacturing companies and various corporate houses. This product’s main objective is to help various Suppliers to meet their financial requirements. Eligibility

• Entrepreneur having 2 (two) year’s experience in the same line of business • Operating the current business for last 1 (one) year Loan Limit
• From minimum BDT 4 lac up to maximum of BDT 30 lac
Features
• Composite fatality of both Overdraft and Revolving limit • Customer can withdraw revolving loan amount as desired • Convenient repayment system of Revolving limit i.e. equal monthly installment and single installment 4.4. Foreign Trade and Treasury Division

BRAC Bank’s Foreign Trade and Treasury Division are well equipped with modern telecommunication infrastructure facilities like: SWIFT, Reuters, Bloomberg, Internet, Voice Recorder, etc. Treasury manages the Bank’s liquidity and its associated risk. It also manages foreign exchange transaction related risk exposure in a profitable manner.

Chapter 5: Performance Evaluation
To evaluate the performance of BRAC bank Limited the following parameters are considered in the next part of the paper. 1. Asset
2. Deposit
3. Investment
4. Operating Profit
5. Capital Adequacy
6. Loans & Advance
7. Non-funded Income
8. Revenue per Employee
9. Operating Cost per Employee
10. Cost to Income Ratio
11. Operating Cost as a Percentage of Loans and Advances
12. Fund Management
13. Earning Per Share (EPS)
14. Return on Asset (ROA)
15. Return on Investment (ROI)
16. Market Price per Share
The overall performance of BRAC Bank Ltd. is appraised in the following section by appraising its performance in the similar fields. 5.1. Asset
Asset holding of BRAC Bank Limited has gone up substantially in the recent years especially from 2006 to 2007. Among its assets the loans and advances has been increased a lot which was 19,557 million taka in 2006 and 32,461 million taka in 2007. Total asset situation of the bank in last few years is given below. |Year |Total Asset |% Change | |2003 |4,542 | | |2004 |10,016 |120.52% | |2005 |16,876 |68.49% | |2006 |30,012 |77.84% | |2007 |46,383 |54.55% |

From the graph above we observe the asset value of the bank is growing sharply but this is increasing at a decreasing rate. 5.2. Deposit
In BRAC Bank customer deposit is also growing years to years. The following table defends this statement. |Year |Taka (million) |% Change | |2003 |3,497 | | |2004 |8,169 |133.60% | |2005 |13,409 |64.14% | |2006 |23,002 |71.54% | |2007 |37,368 |62.46% |

Deposit mix of the bank stands at the followings:
Currently the Bank’s deposits, mostly comprises of fixed deposits. Since, almost 84% of total deposits are in the form of fixed and savings while only 15% are in the form of current deposits. 5.3. Investment

The Bank’s investment, during the year 2007, were made mostly in government securities which stood at Tk.4,997 million as on December...
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