Financial Performance Analysis of Jamuna Bank Ltd. & Dutch Bangla Bank Ltd.

Abstract

The report attempts to analyze the financial performance of Dutch-Bangla Bank Limited and Jamuna Bank Ltd. It has been one of the leading private commercial banks in Bangladesh. The bank offers a wide range of products and services which includes Deposits and Advances Products, Personal Banking, Corporate Banking, SME Banking, Internet Banking, Mobile Banking, Agent Banking etc. CAMEL Rating System has been followed to analyze the financial performance of the Bank. Therefore, ratios such as capital adequacy, leverage ratio, percentage of classified loans, net profit margin, earning per share, return on equity etc. are calculated to obtain an overall view of its financial performance. The report also consists a comparative analysis between the banks Dutch-Bangla Bank, Eastern Bank and Southeast Bank to find out the current position of the bank in the industry. From the financial analysis, it can be said that from the comparative analysis, it is evident that the bank has to improve itself in some areas to be more competitive in the market. Increasing profitability is one of the essential ways to improve their position. The top level authority, management team and executives of the bank are concern about their investment, market expansion and more innovative and effective financial performance to make JBL perform better in future. Again, the bank needs to focus on the increasing expenses and swelling non- performing loans.