Topics: Bank, Commercial bank, Retail banking Pages: 70 (13486 words) Published: April 15, 2013

1.1Origin of the report:

I am lucky to say that our honorable teacher Mr. Mukshud Md. Zobaeir, Lecturer, Department of Business Administration, Stamford University Bangladesh, assigned me the report on “Performance Analysis of the Private Banking Sector of Bangladesh (Based on Ratio Analysis)”. The data required for preparing this report has been collected from the annual reports of different banks. This report is prepared for the partial fulfillment of the requirement for the completion of BBA program.

1.2Objectives of the study:

The major objectives of this study are:

• To measure and evaluate the financial performance based on ratio analysis of the listed private banks of Bangladesh. • To measure and evaluate profitability position of the listed private banks of Bangladesh. • To measure and evaluate the position in the capital market. • To provide suggestions based on the findings of the study.

1.3Scope of the report:

This study has focused upon the measurement of the Liquidity, Profitability and financial performance of the private banks in Bangladesh. Now, in this era of globalization, the activities of banking sector are very much essential and it is growing very fast. This report covers the analysis done, based on ratio.


The major source of data for preparing the report is based on secondary data like annual reports, Journals and DSE web site.

Data processing and analysis

The collect data from the secondary sources were analyzed to reveal the nature of financial statement analysis. Ratio analysis is used for this purpose. The conclusion is drawn based on the ratio analysis. Judgment is also used for drawing conclusion.

1.5Limitations of the Study:

The author of the report has faced the limitations like:

• The main limitation while preparing this report was time. So it was not possible to focus everything deeply. • Lack of Information
• This is my truthful declaration that the report is prepared using secondary data

2.1History of Bank in Bangladesh


Banks are the financial institutions of the economy. They are the principal source of credit (loan able fund) for millions of households (individuals and families) and for most local units of the government. Moreover, for small business ranging from grocery stores to automobile dealers, banks are often the major source of credit to stock the shelves with merchandise or to fill dealer’s showroom with new goods. When the business and consumers need financial information and financial planning, it is the bankers to whom they turn most frequently for advice and council.

Worldwide, banks grant more installments loans to consumers than any other financial institution. Banks are among the most important source of short term working capital for business and have become increasingly active in recent years in making long term business loans for new plant and equipment.

Bank is financial intermediaries that offers the widest range of financial services- especially credit, savings and payment services and perform the widest range of financial function of any business firm in the economy. The multiplicity of bank services and function has led to banks being labeled “financial department stores”.


The name bank derives from the Italian word banco "desk/bench", used during the Renaissance by Florentine bankers, who used to make their transactions above a desk covered by a green tablecloth. However, traces of banking activity can found even in ancient times.

In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived.

Overview of Banking Environment in Bangladesh

The banking industry in...
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