Professional Documents
Culture Documents
A Study on
NRB Global Bank Limited
(THIS INTERNSHIP REPORT IS SUBMITTED FOR THE PARTIAL FULFILMENT OF THE DEGREE OF MASTERR
OF BUSINESS ADMINISTRATION WITH A MAJOR IN FINANCE)
Prepared by:
Mohammad Refat Hossain
Id No: 1502120801941
Program: MBA
Major: Finance
Premier University
ACKNOWLEDGEMENT
I have completed my internship at NRB Global Bank Ltd (Nasirabad Branch) from November 5,
2016 to February 5, 2017 .This report would not have been fulfilled without the support and
guidance of the following individuals.
I am indebted to my respected teacher and supervisor Mr. Rajib Datta, Assistant Professor,
Faculty of Business Studies for his help and cordial guidance given for this study.
I am thankful to Mr. Mohammad Nasir Uddin, (AVP & Branch Manager) of NRB Global
Bank Limited, Nasirabad Branch, for permitting me to conduct my internship program in this
branch.
I am deeply thankful to very important person Mr. Fazlul Kabir Chowdhury, (FAVP &
Manager Operation), for his cooperation & enabling me to doing my job in a favorable
environment.
I also admire all the personnel for their co-operation and cordial assistance to me specially, Mr.
Joynal Abedin (Assistant Officer), Mr. Ahammed Doza (Management Trainee Officer), Mr.
Adnan Chowdhury (Assistant Officer & Head of Credit Division), Mr Shafayat Ibne Rashid
(Management Trainee Officer), Mishkatul Irfan (Assistant Officer) and other staffs for their
friendly behavior, cooperation and other services during my studies.
I am also grateful to my parents, sister, relatives and my friends whose influence and inspiration
has enabled me to complete this report.
Finally, I thank all the persons who have directly and indirectly contributed in preparing this
report.
EXECUTIVE SUMMARY
The report is based on three months working experience in
NRB Global Bank (Nasirabad Branch). The topic of my report is Financial Performance of
Banking CompanyA study on NRB Global Bank Limited.
NRB Global Bank Limited as a 4 th generation bank since its operation from 2013 has been
striving hard to be one of the most agile & responsive banks in the country. Despite challenges of
acute competition in the banking industry, its number of clients, amount of deposit and investment
increases day by day.
In my report I have analyzed the financial statements of NRB Global Bank Limiteds financial
statements and given significant comments regarding the changes in the financial performance.
Analyses of financial performance now become an important issue for investors, financial experts,
management executives and the bankers because they are rely on these to make important
decisions. In the overall report I have tried my best level to put up as much information that I
could gather from the internship program duration in my host bank and from annual report of
NRB Global Bank, but there are also some limitations that I have faced.
There are five chapters in this report. The first chapter contains the background of the study. The
second chapter contains the overview of NRB Global Bank Limited. The third chapter describes
the theoretical aspect of financial performance. The fourth chapter describes the Financial
Performance of NRB Global Bank Limited. The last chapter identifies the major findings and
recommendations from the study.
The working environment of NRB Global Bank (Nasirabad Branch) is very friendly. The staffs
are specialized in their respective fields. I hope in spite of all my limitations this experience of
sharing works with such working environment; will help me a lot in my professional life.
Finally, this report will help the reader to understand how financial performance of a bank can
evaluate.
TABLE OF CONTENT
Particular
Page
Number
Chapter-1 Background of the Study
1.1 Introduction 2
5.1 Findings 46
5.2 Recommendations 48
5.3 Conclusion: 49
Chapter 1:
Background of the Study
Contents
1.1 Introduction..............................................................................................................
1.1 Introduction
Today a large section of people, who have minimal financial literacy, are keen to know the financial
performance status of the banks where their deposits are vested. They may be as an investor, manager,
employee, owner, lender, customer, government and public at large.
Generally, financial performance analysis is the process of identifying the financial strengths &
weaknesses of the firm by properly establishing the relationship between the items of balance sheet and
profit & loss account. It also helps in short-term & long term growth forecasting. Financial performance is
not easily available from the records and files in any
organization. It has to be derived by the usage of financial statement analysis techniques.
Avkiran,( 1995) stated that, the financial performance of banks & other financial institutions has been
measured using a combination of financial ratios analysis.
Pandey (2006) stated that the easiest way to evaluate the performance of a firm is to compare its present
ratio with the past ratio. It gives an indicator of the direction of change & reflects whether the firms
financial performance has improved, deteriorated or remained constant over time.
As a mandatory requirement of the Master of Business Administration (MBA) program under Faculty of
Business Studies at Premier University, during my 3 months internship program, I have tried my best to
know about the financial performance of NRB Global Bank Limited by this report titled -Financial
Performance Analysis- A Study on NRB Global Bank Limited. The report identifies how the NRB
Global Bank Limited is performing in banking sector of our country.
For analysis following specific objectives are set for the study:
Secondary Data:
Annual Financial & Management Reports of NRB Global Bank Limited
Web-site of NRB Global Bank Limited
Web-sites of Bangladesh Bank
Previous Internship Report, etc
Different Books
I had to collect most of the information from the website to complete this report
Another important limitation is the shortage period of internship.
Office secrecy was one of the most important problems. Disclosing of some information
was restricted.
The officers were quite busy with their regular activities. For this reasons it was also a
little problem to collect detail information from them.
Chapter 2:
Overview
Of
NRB Global Bank
Limited
Contents
2.1 An Overview of NRB Global Bank Limited..........................................................................6
It seems that many Non-Resident Bangladeshi (NRB) people are little confused to invest in
Bangladesh although they have huge fund to do so. NRB Global Bank Limited is assuring them
about their investment in Bangladesh, which will create huge employment opportunities.
Nizam Chowdhury
Chairman
Belal Ahmed
Vice-Chairman
Director Director
Bashkhali
Branch
(Chambal,
Bashkhali)
Managing Director
Vice President
Principal Officer
Senior Officer
Officer
Junior Officer
Assistant Officer
Trainee Assistant
Officer
1. NGB Current (Non interest bearing account where frequent cash transactions made)
2. NGB Savings (Interest bearing account)
3. NGB Perfect (Allows an individual to manage savings and transaction simultaneously)
4.NGB Queen (An interest bearing account designed exclusively for woman)
5. NGB Freshers (For students)
6. NGB Junior (For children aged between 3 to 18 years but account is operated by parents
credit to account)
Loan Products
Personal 1. NGB Adhoc Loan (Unsecured retail loan for salaried and self-employed
Loan professionals)
3. NGB Travel Loan (Travel loan where applicant has to declare travel purpose.
3. Demand Loan (In opening letter of credit (L/C), the clients have to provide the
full L/C amount in foreign exchange to the bank. To purchase this foreign
exchange, bank extends demand loan to the clients at stipulated margin)
4. Import Finance
5. Export Finance
6. Local Bill Purchase
7. Staff Loan
Other Service
1. Locker Service
2. Internet Banking
3. SMS Banking
4. Debit Card
Upcoming Service
1. Agent Banking
2. Green Banking
3. Western Union
4. Money Gram
5. Credit Card
Departmentsinin
Departments
NRBGB(Nasirabad
NRBGB (Nasirabad
Branch)
Branch)
Customer Care Department
Cash Department
Accounts Department
Credit Department
Clearing Department
Foreign Exchange Department
OrganizationalStructure
Organizational Structureofof
NRBGB(Nasirabad
NRBGB (Nasirabad
Branch)
Branch)
AVP
FAVP
Senior Officer
Officer
Trainee Officer
JOB DESCRIPTION:
I had to do a number of works regularly. The descriptions of my routine works are given below:
Account Opening Form Fill up: Account opening form fill up is one of the task assigned
to an intern by bank. So as an intern I fill up many accounts opening form, which is
commonly known as KYC (Know Your Customer) form. There are different kinds of bank
accounts starting from current, savings, DPS, proprietorship account, partnership account
etc. Every form has different rules for maintain. These rules are declared by Bangladesh
Bank.
Clearing Cheques: The scheduled banks clear the
cheques drawn upon one another through the clearinghouse of Bangladesh Bank. The
whole clearing process is done through NRB Global Banks own clearing software named
Automated Cheque Clearing. Before doing the clearing tasks through the software there
are also some manual tasks to do. Like- gives clearing seal, authorization seal, and
signature on the back side of the cheque. In my internship I learned to do these manual
tasks. After finishing the manual job clearing process, the next step is to scan all the
cheques through a scanner that is connected to a particular computer which is done by
officer in clearing department.
Arranging the cheque books: The bank receives the requisition for cheque books by
clients. All the cheque books are prepared after 7 working days from the date of
requisition request. Then all the cheque books are needed to be arranged properly in order
to give the cheque books to the clients quickly when they come to receive their cheque
books. I used to arrange the cheque books throughout my internship period in NRB Global
Bank Limited (Nasirabad Branch).
Fill up LC form: I also spend few days in Foreign Exchange Department. In that
department main task is to fill up the Letter of Credit form and keep record of all LCs in
register book.
Chapter 3:
Project Part-
Theoretical Aspect
Of
Financial Performance
Contents
Income Statement
Balance Sheet
Cash Flow Statement
Current Ratio=
Quick Ratio: A reliable test of liquidity is the quick ratio test that excludes inventory from
current asset. It considered the ability to use its quick assets to pay its current liabilities. This
approach can be acceptable since inventory of many companies cannot be quickly converted into
cash. The ideal quick ratio is 1:1
Quick Ratio =
Net working Capital: working capital is the capital which is needed for meeting day to day
requirement of the business concern, such as payment to creditors, salary to worker, purchasing
raw materials etc. It is also known as short-term capital. There are two concepts of working
capital, which are:
Gross working capital: Means the total current assets
Net working capital: Is the difference between current assets & current liabilities
Positive net working capital means that the company is able to pay off its short-term liabilities.
Negative net working capital means that a company currently is unable to meet its short-term
liabilities with its current assets (cash, accounts receivable and inventory)
Activity Ratio:
Activity ratios assess how effectively a company is able to generate revenue in the form of cash
and sales based on its asset, liability and capital share accounts. Activity ratio are sometimes are
called efficiency ratio. Following ratios are generally fall under activity ratio:
Cost Income Ratio: It shows a companys costs in relation to its income. To get the ratio,
Operating Costs (administrative & fixed cost, excluding of bad debts) are divided by Operating
Income. Lower ratios generally indicate the higher efficiency of banks.
Cost-income ratio =
Total Asset Turnover Ratio: Asset turnover is a financial ratio that measures the efficiency of a
company's use of its assets in generating sales revenue or sales income to the company.
Companies with low profit margins tend to have high asset turnover, while those with high profit
margins have low asset turnover.
Inventory Turnover Ratio: In accounting, the Inventory turnover is a measure of the number of
times inventory is sold or used in a time period such as a year. The equation for inventory
turnover equals the Cost of goods sold divided by the average inventory. Inventory turnover is
alsoknown as inventory turns, stock turn, stock turns, turns, and stock turnover. The bigger the
inventory turnover ratio the more liquidity a company has.
Account Receivable Ratio: Accounts receivable ratio is an activity ratio that measures how
many times a firm can turn accounts receivable into cash during a period. It measures how many
times a company can collect average accounts receivable during a year. An efficient companys
collection period is 30 days.
Debt Ratio: Debt Ratio is a financial ratio that indicates the percentage of a company's assets that
are provided via debt. It is the ratio of total debt (the sum of current liabilities and long-term
liabilities) and total assets (the sum of current assets, fixed assets, and other assets such as
goodwill). The higher the ratio, the greater risk will be associated with the firms operation. In
addition, high debt to assets ratio may indicate low borrowing capacity of a firm, which in turn
will lower the firms financial flexibility.
Debt Ratio =
Times interest earned (TIE) ratio: Times interest earned (TIE) or interest coverage ratio
Measure Companys ability to cover its debt payments. Low ratio is a danger signal that the firm
is using excessive debt and doesnt have the ability to debt payment.
Equity-Capital Ratio =
Debt to Equity Ratio: The debt to equity ratio compares a companys total liabilities to the total
shareholders equity. This is a measurement of how much suppliers, lenders and creditors have
committed to the company against the shareholders have committed. The standard debt to equity
ratio is 1:1. The lower the ratio, lower the debt and higher the equity of shareholders.
Profitability Ratio:
Profitability ratios evaluate how well the company utilized its resources in generating profit and
shareholder value. There are two types of profitability ratios profit margin ratio and the rate of
return ratios. Profit margin ratio shows the relationship between profit and sales. Popular profit
margin ratios are gross profit margin and net profit margin ratio. Rate of return ratio reflects
between profit and investment. The important rates of return measures are rate of return on total
assets and return on equity. A higher value is desirable than a lower one and it indicates company
is making profit from their operations. Following ratios are generally fall under financial
leverage ratio:
Net Profit Margin: Net profit margin, profit margin, net margin, all refer to net income per taka
of sales. This ratio also evaluates how well a company manages the expenditures relative to the
net sales. The standard ratio is 10% to 20%. Companies can achieve higher ratios either by
producing more incomes while keeping expenditures constant or keep revenues constant and
lower expenditures.
Gross Profit Margin: It is calculates the percentage of sales that exceeds the cost of goods sold.
It is the result of the relationship between costs, prices & sales volume. High ratio of gross profit
margin implies that the cost of production of the firm is relatively low. It may also be indicative of
a higher sales price without a corresponding increase in the cost of goods sold. Low ratio of gross
profit margin has the opposite implications.
Return on Equity (ROE): ROE measures the ability of a firm to generate profits from the
shareholders investments in the company. The higher the ratio is, the more efficient the company
is in utilizing the equity and the better return they can provide to the investors. ROEs between
15% and 20% are generally considered good.
Return on Equity =
Return on Assets (ROA): ROA measures how efficiently a company can manage their assets to
generate incomes during a period. Higher the percentage of return, higher the efficiency of assets.
Return on Asset =
Market Ratio:
It helps to outsider investors who are reviewing companys market performance as well as
financial performance. It allows the analyst to understand how other investors feel about owning a
share of a companys stock.
Price Earning Ratio (P/E): The P/E ratio is the ratio for valuing a company that measure
companys current share price relative to its per-share earning. Company with high P/E ratio
usually indicated positive future performance and investor are willing to pay more for the
companys shares. On the opposite, company with low P/E ratio usually indicated poor current &
future performance; this could prove to be a poor investment.
Earning Per Share (EPS): The EPS represent the number of taka earned on behalf of each
outstanding share of common stock. The higher the ratio, higher will be the earning from the
common shares.
Core Deposit Ratio: Core deposits are deposits from local customers that are considered unlikely
to be withdrawn on short notice and so carry lower liquidity requirements. Banks measure core
deposit as a stable source of funds for their lending base.
Deposit Composition Ratio: Deposit composition ratio is the ratio of demand deposits to
time deposits, where demand deposits are subject to immediate withdrawal by check writing,
while time deposits have fixed maturities. It measures how stable a funding base, the bank
possesses.
Loans to Deposit Ratio (LTD): This is used for assessing a bank's liquidity by dividing the banks
total loans by its total deposits. This number, also known as the LTD ratio, is expressed as a
percentage. Tradition & prudence indicate that the ideal LTD is between 80%-90%.
A high ratio means that he bank is issuing out of more of its deposits in the form of interest-
bearing loans which in turn means it will generate more income. But the problem is banks loans
are not always repaid, plus the bank has to repay depositors on request, so high ratio puts the bank
at high risk.
A very low ratio means that the bank is at low risk but it
also means that it is not using its assets properly to generate income and may even end up losing
money.
This ratio is often used by policy makers to determine the lending practices of financial
institutions.
Return on Deposit Ratio: This ratio shows the amount of net income returned as a percentage of
total deposits. It indicates a firm's profitability efficiency in applying deposits (liabilities) to earn
profit.
Interest Spread: Interest spread is the difference between the average yields receives from loans
and other interest-accruing activities and the average rate it pays on deposits and borrowings. The
net interest rate spread is a key determinant of a financial institutions profitability or lack thereof.
Interest Spread =
CASA Ratio: CASA ratio stands for current and savings account ratio. It indicates how much of
banks total deposits are in current and savings accounts. A higher CASA ratio indicates a lower
cost of funds, because banks do not usually give any interests on current account deposits & the
interest on savings account is usually very low around 3-4%. If a large part of banks deposits
comes from these funds, it means that the bank is getting those funds at a relative lower cost.
CASA Ratio =
Chapter 4:
Financial
Performance
Of
NRB Global Bank
Limited
Contents
Liquidity ratio, expresses a companys ability to repay short-term creditors out of its total cash.
Generally, the higher the liquidity ratios are, the higher the margin of safety that the company
possesses to meet its current liabilities.
The higher the current ratio, the better the liquidity position. It is expressed as:
Current Ratio=
The cost-to-income ratio shows the efficiency of a firm in minimizing costs while
increasing profits. The lower the cost-to-income ratio, the more efficient the firm is running. The
higher the ratio, the less efficient management is at reducing costs. It is expressed as:
Cost-income ratio =
Leverage ratios are used to understand a companys ability to meet it long term financial
obligation.
Total debt to total asset ratio measures a banks financial risk. It determines how much of the
banks assets have been financed by the debt. The higher the ratio, higher the risk. It is expressed
as:
Debt Ratio =
The times interest earned ratio, sometimes called the interest coverage ratio, measures the
firms ability to make contractual interest payments. This ratio measure the extent to which
operating income cane decline before the firm is unable to meet its annual interest cost. Low ratio
is a danger signal that the firm is using excessive debt and doesnt have the ability to debt
payment. It is expressed as:
Profitability ratios evaluate a firm's overall efficiency and performance. A higher value is
desirable than a lower one and it indicates company is making profit from their operations.
The return on asset (ROA), which is often called the firms return on total assets, measures the
overall effectiveness of management in generating profits with its available assets. The higher the
ratio is better. It is expressed as:
Return on Asset =
ROE measures the ability of a firm to generate profits from the shareholders investments in the
company. The higher the ratio is, the more efficient the company is in utilizing the equity and the
better return they can provide to the investors. It is expressed as:
Return on Equity =
These ratio measure investors responses to owning companys stock & also concerned with
return on investment for shareholder.
Earnings per share (EPS) are the values of earning from each outstanding common shares of a
company. The higher the ratio, higher will be the earning from the common shares. It is
expressed as:
There are some other ratios which are used to measure specially for banking sector to identify
banks solvency and performance. These are enumerating below:
Core Deposit Ratio: Core deposits are deposits from local customers that are considered unlikely
to be withdrawn on short notice and so carry lower liquidity requirements. Banks measure core
deposit as a stable source of funds for their lending base. It is also help to measure predictable
cost for bank. It is expressed as:
Return on Deposit: This ratio shows the amount of net income returned as a percentage of total
deposits. It indicates a firm's efficiency in applying deposits to earn profit. It is expressed as:
CASA Ratio: CASA ratio stands for current and savings account ratio. It indicates how much of
banks total deposits are in current and savings accounts. A higher CASA ratio indicates a lower
cost of funds, because banks do not usually give any interests on current account deposits & the
interest on savings account is usually very low. It is expressed as:
CASA Ratio =
Interpretation: At the graph we see that over the last five years CASA ratio has an increasing
trend. The CASA ratio of NRBGB was 4.40%, 6.20%, and 7.01% from 2013 to 2014 to 2015
respectively. It is gradually improved year to year. Though percentage is low but these increasing
trends over the three year is good sign for NRBGB.
Loans to Deposit Ratio (LTD): This ratio measures the outstanding loans versus the total
deposits on hand as a indicator of bank liquidity. The ideal LTD is between 80%-90%.
If the ratio is too high, it means that banks might not have enough liquidity to cover any
unforeseen fund requirements; if the ratio is too low, banks may not be earning as much as they
could be. It is expressed as:
Interpretation: From the graph we can say that collection of deposit increasing year by year &
also loan & advances increasing year by year subsequently. Difference between deposit amount &
loan amount not so much high, that is NRGB tried to utilize its deposits properly.
But the net profit was only positive in year 2015 by taka
18,971,822 and at 2013 & 2014 net loss occurred by -BDT 10,757,666 & -BDT 74,649,851 which
Though deposit collection and loan disbursement are in good position accordance with each other
amount but NRBGB faced net loss & net profit, where profit relatively in little amount.
This occurred because as a new bank NRBGB is still in the process of improving the position in
banking industry, setting risk management unit, setting recovery unit, setting legal department,
overcoming the dependence on high costly term deposit, recruiting sufficient and experienced
staff at various departments etc for its full functioning which leads to high cost than income.
Interpretation: At the graph we see that there is fluctuating trend in Total Shareholders Equity
from year 2013 to year 2015. This is not good sign for bank.
Interpretation: Interest income has an increasing trend than interest expense from the year 2013
to year 2015. And also net income has increasing trend year by year. This indicates loan and
advances is increase year by year.
Chapter 5:
Findings,
Recommendation
&
Conclusion
Contents
5.1 Findings:.............................................................................................................46
5.2 Recommendations:............................................................................................48
5.3 Conclusion:........................................................................................................49
5.1 FINDINGS:
I analysis the financial performance of NRB Global Bank Limited and found some findings; these
are:
The liquidity position of the bank is good. The current ratio is avobe 1 but has
decreasing trend.
We know that cost income ratio measures the
operating efficiency of the bank. From the analysis, the operating efficiency of the
NRBGB was in good position in the year 2013 & 2015. But in 2014 cost income ratio
was not in good position, because they were not able to minimize their operating cost.
Debt ratio measures the proportion of total assets provides by the firms creditors. The
banks debt ratio was in increasing trend from 2013 to 2015 which is not good sign for a
bank.
Time interest earned ratio of NRBGB is not satisfying. It was relatively equal but in low
position in the year 2015 & 2013. But in the year 2014 year it was going to negative
value because of earning before interest & taxes was negative that is loss occurred.
Banks measure core deposit as a stable source of funds for their lending base. NRBGBs
core deposit ratios are at high position but there is decreasing trend over the period of
three years.
Return on asset has negative trend except year 2015. Also positive ROA in year 2015
Net profit margin was in worse position of NRBGB due to unfavorable economic
condition. In the year 2013 & 2015 net profit was negative that is net loss occurred and
net profit low in amount in 2014. Overall its profit margin is not satisfactory.
Drop in the net profit occurred because as a new bank NRB Global Bank has to bear
industry of the country, which leads to high expense and net loss.
The shareholders equity value was in fluctuating trend. As, shareholders equity is
Banks Loan- Deposit ratio was fluctuating, which may cause lower growth in earnings.
If the ratio is too high, it means that banks might not have enough liquidity to cover any
unforeseen fund requirements; if the ratio is too low, banks may not be earning as much
CASA ratio percentage is satisfactory and increasing trend. A higher CASA ratio
indicates a lower cost of funds, because banks do not usually give any interests on
current account deposits & the interest on savings
Though NRB Global Bank is new 4 th generation bank but its deposit amount increasing
year by year from 2013 to 2015, which is good sign for bank.
NRB Global Bank Limited try to establish favorable reputation in the banking
industry of the country. The bank has already shown growth in collection of deposits
Plan. They also recruit young people who are energetic to doing banking task smoothly.
NRB Global Bank has an interactive corporate culture. The working environment is
very friendly, interactive and informal. There are no hidden barriers or boundaries while
5.2 RECOMMENDATIONS:
Some recommendations based on the financial performance of NRB Global Bank Limited are
given below-
Current Ratio of NRBGB is satisfactory but decreasing trend. So, management should
concentrate on the quick ratio since it can go far beyond the ideal ratio 1:1.
The Cost income ratio of the NRBGB was not in good position because they were not able
to minimize their operating cost. They should minimize their operating cost as well
maximize the operating income
Debt Ratio of the NRBGB was not satisfactory because it was increasing trend. So
management should try to decrease of this ratio by increasing assets.
NRBGB should try to increase net profit margin for increasing efficiency.
NRBGBs ROA was negative trend except the year of 2015, so it should manage its
investment in asset by proper utilization to generate their profit.
To attract the investor NRBGB should try more to increase its EPS by increase profit.
Though term deposit is costly to bank but it is one of the major sources of lending.
NRBGBs term deposit is decreasing which identified by decreasing trend in core deposit
ratio. On the other hand CASA ratio increasing, where bank has to pay little or no interest
on current & saving account but the problem is amount of deposit has to repay depositors
on immediate request. In this case, bank has to develop policy and strategy by which it can
properly utilize their term as well as current & saving deposit with low cost to earn profit.
NRBGB should revise the policies and procedures
about asset management to avoid unfavorable situation in upcoming days otherwise it can
affect the profitability of the company.
NRBGB should do more marketing activities to improve their presence in the minds of
their potential target market. Media coverage of NRBGB is not so strong. To attract new
clients, they should go for mass media coverage like TV, internet, newspaper, face book
etc.
NRBGB should upgrade its website regularly and provide details information about
deposit scheme, loam scheme, quarterly financial report etc.
Overall the financial performance of NRB Global Bank is not satisfactory because net loss
occurred during two year, which affects every parameter of financial performance
measurement. So NRBGB should try to overcome all barrier and heavy cost as well as
increase profit.
5.3 CONCLUSION:
In modern civilization bank is playing its splendid role to keep to the economic development
wheel moving. We can see lot of new commercial banks has been established in last few years &
these banks have made this banking sector very competitive. The major task for banks, to survive
in this competitive environment is by managing its assets and liabilities in an efficient way.
As a new 4th generation bank NRB Global Bank Limited has been working with great confidence
and competing tremendously with Government oriented bank, local commercial banks along
with the multinational banks also.
NRB Global Bank Limited always tried its level best to perform financially well. In spite of trying
to do NRB Global Bank Limited faced some financial problems from time to time. These
problems arouse time to time due to cope with banking industry, economic slowdown, interest
rate fluctuation, emerging capital market, inflation in the money market and so on.
Fighting with all these problems and competing with other banks every moment the bank is trying
to do better to best. If this thing continues we hope that NRB Global Bank Limited will develop
more in the future.
I hope this working experience of internship program in NRB Global Bank Limited, Nasirabad
Branch helped me to enhance my knowledge beyond the text books. Also I have gained practical
knowledge regarding the corporate environment which will support me a lot in the future
professional life.
REFERENCES