General-Banking-and-Performance-Analysis-of-SIBL
Report-on-General-Banking-and-Performance-Analysis-of-SIBL
Among the three departments of the bank, more emphasize has been given to General Banking activities, in order to prepare this report. Basically report’s findings is cover two major areas, first- “Managing the need of General Banking customer”, SIBL fulfill General Banking customer need by offering the various types of Account like- Al wadia current and Saving accounts and different deposit scheme like- Lakhopoti deposit scheme, pension saving scheme etc and other functions like- Remittance, clearing, cash section function. SIBL also follow some procedure to manage the need of General Banking customer.
Another major area of this report is “Performance Analysis of SIBL” and in this part some tools has been used to analyze the performance of the bank like- Financial statement analysis. In order to do this analysis, Common size Comparative Balance sheet & Income statement and Ratio analysis have been prepared. From the calculation, it is found that the Total asset, client deposit, owners equity are increased as both amount and percentage from the last year. The Income from investment, income from operating income and Net income are also increased from the last year.
Ratio analysis in one of the common method to analyze the bank performance, from the calculation it is observed that the Liquidity and Efficiency ratio are not good but the percentage of profitability and capital adequacy ratio are increase from the previous year. The above explanations indicate that the overall performance of the bank is satisfactory.
1.1 Scope of the Study:
In my internship period, the scope of the work was as vast as I was assigned to work in every departments of the bank in Mohammadpur Kaderia Tayebia Madrasha Branch, I have tried to observe and understand the all banking activities especially General banking activities and other day to day functions perform in this branch. I also tried to understand
Among the three departments of the bank, more emphasize has been given to General Banking activities, in order to prepare this report. Basically report’s findings is cover two major areas, first- “Managing the need of General Banking customer”, SIBL fulfill General Banking customer need by offering the various types of Account like- Al wadia current and Saving accounts and different deposit scheme like- Lakhopoti deposit scheme, pension saving scheme etc and other functions like- Remittance, clearing, cash section function. SIBL also follow some procedure to manage the need of General Banking customer.
Another major area of this report is “Performance Analysis of SIBL” and in this part some tools has been used to analyze the performance of the bank like- Financial statement analysis. In order to do this analysis, Common size Comparative Balance sheet & Income statement and Ratio analysis have been prepared. From the calculation, it is found that the Total asset, client deposit, owners equity are increased as both amount and percentage from the last year. The Income from investment, income from operating income and Net income are also increased from the last year.
Ratio analysis in one of the common method to analyze the bank performance, from the calculation it is observed that the Liquidity and Efficiency ratio are not good but the percentage of profitability and capital adequacy ratio are increase from the previous year. The above explanations indicate that the overall performance of the bank is satisfactory.
1.1 Scope of the Study:
In my internship period, the scope of the work was as vast as I was assigned to work in every departments of the bank in Mohammadpur Kaderia Tayebia Madrasha Branch, I have tried to observe and understand the all banking activities especially General banking activities and other day to day functions perform in this branch. I also tried to understand