Financial Performance Analysis of National Bank Limited

Abstract

The first and foremost purpose of this internship program aims to accomplish the condition of the BBA program prescribed by UIU, United International University. However, the core goal of this program is to acquire the practical understanding of the real life organization. This internship was concluded with the objective of getting hands-on information in the Loans & Advance deposits department of National Bank Limited, New Eskaton, Dhaka. My initial responsibility was apportioned to work and understand how candidates apply for loan requests and how those were processed via approval. I also learned the corporate culture of banking industry during my internship and attended to so many training sessions inside the bank. Here I found Mr. Arafat Rhman who was my department head and he assisted me to learn several work related tasks every day containing day-to-day bank transaction reports within the organization protocols. This internship report was prepared on the basis of financial performance from 2013 to 2017 of National Bank Limited. National Bank started its journey on 23rd March of 1983 Recognized as the first private sector bank entirely owned by native entrepreneurs, NBL has been booming as the prime private sector bank after encountering many pressure. The study which is based on 2013-2017 year by using the updated data about their business era. At the beginning part of this report, I have discussed about the methodology of the study which contains data collection techniques and processing through analysis. Primary and secondary both types of data used for this report. After that I have discussed the introduction, and different aspects of the banking activities and the business profile of the bank. In the capter-3, I talked about the general banking activities that the bank doing regularly like, account opening/closing, FDR & other services that also done by me. The most important part that I worked on the chapter four , that is about their credit department , how they handle their Borrower, principles of the credit, loan management process and deposit against the loan & different types of loan they provide. The last but most importantly we discussed and analyze performance through a brief description about ratio analysis. From 2013 current proportion of NBL has deteriorated till 2016 and has expanded in 2017 at a smaller rate. We also can see in the analysis part they earn good proportion on their asset and equity part. Finally, I gave SWOT analysis and also some opinion from our aspect. This report showing all the operational activities of National Bank Limited, New Eskaton Branch.