Presentation On

Internship in BRAC Bank

Financial Performance of BRAC Bank

Internship Report
Origin Objective Methodology
Primary Secondary

Scope
Limitation

BRAC Bank: An Overview

History Values
C = Creative R = Reliable Y = Youthful S = Strong T = Transparent A = Accountable L = Loyal

About BRAC Bank

% of Shareholding Total International Finance Corporation Shore Cap Limited Name of Shareholder BRAC Institutions and General Public 100% 5.36% 0.86% 0.008% 43.77% 50%

Board of Directors of BRAC Bank

Mr. Muhammad A (Rumee) Ali (Nominated By BRAC) Mr. Shib Narayan Kairy Mr. Quazi Md.Shariful Ala (Nominated By BRAC) Ms. Nihad Kabir Dr. Hafiz G.A. Siddiqi Ms. Tamara Hasan Abed Mr. Syed Mahbubur Rahman Chairman Director

Director Independent & Depositor Director

Depositor Director Director Managing Director and CEO

Product & Service of BRAC Bank

Corporate Banking

Retail Banking
Probashi Banking

E-Banking
SME Banking

Internship Experience in BRAC Bank

Financial Reporting & Taxation

External Reporting

Internal reporting

Taxation and VAT

Internship Experience in BRAC Bank

Job Description
Daily Basis
Monthly Basis Quarterly Basis Yearly Basis

Specific Job Critical Observation

Financial Performance
Credit Deposit Ratio: the proportion of loan-assets created by banks from the deposits received.

Financial Performance
Ratio of classified loan against total loan: dictates the percentage of bad loans to total loans.

Financial Performance
Cost of Fund (COF):
indicates amount of cost is required to incur by the bank to collect a certain amount of money, higher the cost of fund, lower the efficiency of the organization. or lost (whether realized or unrealized) on an investment relative to the amount of money invested.

Return on Investment: the ratio of money gained

Earnings per Share (EPS): indicating the earnings

of the firm against its each share or stock. This ratio is usually used to find out the operating efficiency of the firm against its total number of share outstanding.

Financial Performance

Financial Performance
Net Income (NI) Ratio: measures the efficiency of
the operating cost to generate profit or net income. The higher the percentage of net income higher the efficiency of the operating expenses.

Return on Assets (ROA): shows how profitable

a company's assets are in generating revenue. Higher the percentage of return, higher the efficiency of assets. DuPont ROE Ratio Analysis: measures the rate of return
The Net Profit margin, The Degree of Asset Utilization, The Equity Multiplier.

on the ownership interest (shareholders' equity) of the common stock owners.

Financial Performance
Probability of Book Value Insolvency:

Analyzing the performance indicator

Credit Deposit Ratio:
Loans and advances:

Total Deposit:

Analyzing the performance indicator

Ratio of classified loan against total loan:

Return on Investment (ROI):

BRAC Bank enjoys a favorable return on investment from 2007-2009 but in 2010 the investment return fall to 9%. The increased in ROI to 11.64% as on December 31, 2007 was due to a sharp increment in the year 2004 but deal came to an end in 2010 and does the effect.

Analyzing the performance indicator

Net Income Ratio

Return On Asset

Analyzing the performance indicator

Operating Profit:

SWOT Analysis
Strength

Weakness
Opportunities Threats

Findings and Recommendation:

Problems Relating Banking Activities Recommendation To Solve the Problem Conclusion

Any Query????

Thank you