Internship Report on "Financial Performance Anaysis of Mutual Trust Bank PLC"

Abstract

This report is submitted as a partial requirement for the completion of a Bachelor of Business Administration degree in Accounting and Information Systems at United International University. It covers the internship experience of three months at Mutual Trust Bank PLC (MTB), focusing on a comprehensive financial performance analysis of the bank. The internship was conducted at MTB’s Dhanmondi Branch, where the primary objective was to apply theoretical knowledge in financial management and performance analysis to actual banking operations. The primary responsibilities during the internship included supporting day-to-day banking operations, assisting customers with account openings, transaction processing, loan applications, reconciliation activities, and compliance checks. Special emphasis was placed on learning and evaluating MTB’s processes for liquidity management, asset utilization, capital adequacy, and profitability through the analysis of publicly available financial statements from 2020 to 2024. The intern participated in the preparation of financial ratio analyses, comparative assessments, and graphical presentations to interpret trends over the five-year period, encompassing crucial metrics such as current ratio, loan-to-deposit ratio, ROA, ROE, operating profit margin, EPS, and capital adequacy ratios. MTB operates as a third-generation commercial bank in Bangladesh, with an extensive suite of products and services including retail banking, SME banking, corporate finance, and digital solutions. The bank’s vision is to become the most trusted financial partner, guided by values of transparency, innovation, and regulatory compliance. Over the past five years, MTB has emphasized digital transformation, innovative customer service, and strict adherence to Bangladesh Bank’s directives, maintaining a stable and responsible corporate image within the financial sector.