Analysis of Financial Performance among the Commercial Banks in Bangladesh

Abstract

This report is based on financial performance analysis among commercial bank of Bangladesh. It has been prepared to fill up the requirement of BBA program. While making this report, I had a great opportunity to know about many banks and their financial position. This report helps me to know about many financial mechanisms. The theoretical part of the report is about the Banking sector of our country. The Banking industry of Bangladesh can divide into two divisions, for example, Specialized Banks (SBs) and Commercial Banks (CBs). The Specialized Banks are those banks that deal with particular divisions or industry of an economy. For example, Bangladesh Krishi Bank just works with the agrarian part of the economy. Another one is Bangladesh Shilpa Bank (BSB) just works with the mechanical sector of the economy, etc. On the other hand, Commercial Banks are Scheduled Banks that are working in the nation under the guidelines and controls of the Central Bank. Commercial banks can be categorize as Nationalized Commercial Banks (NCBs); Foreign Commercial Banks (FCBs) and Private Commercial Banks (PCBs) .The Bangladesh Bank (BB) Order created in 1972, authorized Bangladesh Bank (BB) as the central bank of the country. Bangladesh Bank Order 1972 and the Banking / Companies Act 1991 mainly guide the commercial banks in Bangladesh. Commercial Banks in Bangladesh are not granted to do business other than just banking. Ordinary exercises include borrowing, lending, raising money, or advancing of money with or without security. They are furthermore permitted to issue letters of credit, trade in valuable commodities and buying and selling of foreign goods as well as foreign bank notes. They are also permitted promissory notes, to trade in bills of exchange, promissory notes, drafts, coupons, certificates and other instruments accepted by Bangladesh Bank (BB). I state some major findings and recommendations base on the findings & analysis of the report. Next part is the conclusion of the report. At the end I included all the source of data and the list of journal, website by which this report completed successfully.