Letter of Transmittal
22nd August, 2013
Mr. Rashed Al Karim
Assistant Professor & the Internship Supervisor
School of Business
East Delta University, Chittagong.
Subject: Submission of Report on “Financial Performance of Private Commercial Banks in Bangladesh; with special emphasis on Dhaka Bank Ltd.”
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.
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 partial accomplishment of the requirement for the award of the degree Bachelor of Business Administration (BBA), From East Delta University, Chittagong, Bangladesh.
It is my original work and not put forward for the award of any other degree/ diploma/ fellowship or other similar term or honor.
School of Business
East Delta University
First, all praises and glory be to Allah the all mighty for all His bounty and support granted to me to complete this project. This work could not been have done without His endless guidance and support. I would like to express my deepest appreciation to Mr. Rashed Al Karim, Assistant Professor, East Delta University, my internship course instructor and supervisor for providing me with excellent guidance, generous supports, and continuous encouragements throughout the research project. His numerous suggestions, comments and enduring support were of great value in the preparation of this research. I am very grateful to Dr. Mir Mohammed Nurul Absar, Associate Dean and Mrs. Tabassum Chowdhury, Lecturer, East Delta University, who helped me by providing their valuable comments whenever I have approached to her. I am very thankful to Mr. Md. Muhibbul Abrar Choudhury (EVP & Manager), Mr. Mohammad Badrul Alam Shariar (SAVP & Manager Operations), Mrs. Ismat Ara Begum (SAVP & Credit in Charge), Mr. Mahbub Jamil (AVP & Accounts in Charge), Mr. Ziaul Haque Khan (AVP & GB in charge), Mr. Asif Uddin Chowdhury (AVP & Cash in Charge), Lipika Chowdhury (AVP), Mr. Abu Noman (MTO), Rokeya Sadia (MTO), Rakibul Hasan (CO), Mosharaf Hossain (PO), Tanvir Ahmed (TCO), Md. Mokter Hossain (TCO) who actively supported me in my tenure at Dhaka Bank and provided there valuable comments. Finally, I would like to thank East Delta University, Chittagong, Bangladesh for providing me such opportunities to work and gain experience in the professional field.
Due to the hold the banking sector has over the volume of the supply of money in circulation, it is the main driver of economic progress of a country especially for a developing nation like Bangladesh. Thus, sound financial performance of banks is crucial to a growing economy. This paper aims to empirically examine the financial performance of five Bangladeshi private commercial banks listed on both the Dhaka Stock Exchange and Chittagong Stock Exchange. Three indicators namely; Internal-based performance measured by Return on Assets, Market-based performance measured by Tobin’s Q model...
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