| dc.description.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 | en_US |
