Financial Performance Analysis of Pubali Bank PLC.

Abstract

This internship report titled “Financial Performance Analysis of Pubali Bank PLC. (Demra Dhaka)” provides a detailed assessment of the bank’s financial efficiency, profitability, and overall performance. The study analyzes key financial indicators, including Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Earnings per Share (EPS). The findings reveal how effectively the bank utilizes its assets to generate profits and manage shareholder equity. Additionally, the report examines liquidity measures like the Current Ratio and solvency indicators such as the Leverage Ratio and Tier 1 Core Capital to assess the bank's stability and risk management. The SWOT analysis highlights the bank's strengths, weaknesses, opportunities, and threats, offering a comprehensive understanding of its strategic positioning. The report also delves into interest sensitivity metrics like the Interest Sensitive Gap, Relative IS Gap, and Interest Sensitivity Ratio, providing insights into how Pubali Bank PLC. responds to changes in interest rates. Through the Cash Position Indicator and Liquid Securities Indicator, the bank’s liquidity risk and its capacity to meet short-term obligations are evaluated. The study identifies that while the bank maintains a solid growth trajectory and has embraced automation and technological advancements, areas such as liquidity management and interest rate sensitivity require strategic improvements. The findings culminate in specific recommendations to enhance financial performance, optimize resource utilization, and strengthen customer service frameworks. Overall, this analysis provides a comprehensive review of Pubali Bank PLC. is operations and suggests measures to ensure sustainable growth and improved financial health. The report concludes that with targeted improvements, the bank can reinforce its market position and deliver