Key Financial Ratio Analysis of NRB Commercial Bank PLC.

Abstract

The internship process plays one of the most important roles in order to complete the BBA program from Sonargaon University. It was a pleasure to have had the opportunity to do my internship in NRB Commercial Bank which is known as the leading provider for corporate banking services in Bangladesh. The three month internship period helped me gather a lot of knowledge and experience about the organization as well as banking industry of Bangladesh which also gave me the chance to discover the most important issue of the banking industry which is NRB Commercial Bank PLC., Motijheel Branch learning the activities of General banking, Clearing cheques, BRTA, and Cash counter, department. I have analyzed the Key Financial Ratio Analysis of NRB Commercial Bank PLC. to find out its ratios by using its past and current records. After preparing this report I came to know that analysis of financial statements through ratios helps to overcome the past flaws and make the future decisions and strategies. Therefore, it is very necessary for every organization whether the company‟s size is to make financial statement and to analyze it by ratios. Therefore, my internship report sums up all the information related to my research topic. The problem statement discusses the difficulties employees face to meet the targets and how it impacts the working environment and how the problem can be mitigated through various ways. The literature review explains the specific objective of the research in detail which includes different practices of setting target policies, the psychological impact of not meeting targets, the target met by employees and finally the motivation of employees when meeting targets. This report also includes the importance of this research and is explained in the significance part as there are very few reports regarding the topic In the new competitive business aera, private banking sector is getting more competitive in Bangladesh. In this sector the most used financial statements are the balance sheet and profit and loss account where the balance shows the financial position and profit and loss of a bank. Ratio Analysis deals with these statements. Ratio analysis is the most popular trend to evaluate a bank‟s performance over years or with other companies in an industry. In my report I had to study NRBC Bank financial statement for the few years then had to analyze give significant comments regarding the changes in financial position. Analysis and interpretation of these financial statements through ratio analysis has now become an important technique for performance appraisal because the vi investors, financial experts, management executives and the bankers are always rely on these ratios to make important decisions. The management team of any bank, investor and the government agencies always concern about liquidity ratios and adequacy ratios of a bank which interprets the efficiency of a bank. Keywords: Banking; Employees; General Banking; Human Resource Management; NRB Commercial Bank; Target Deposit Mobilization; SME; Banking Product; Credit