Financial Performance Analysis of Southeast Bank PLC”

Abstract

The banking sector of Bangladesh plays a significant role in boosting the economy of the country and Southeast Bank Limited is recognized as one of the reputed Private Commercial Banks of the country. The elements of the bank spread a wide scope of banking and utilitarian exercises to people, firms, corporate bodies, and other global organizations. In this report, I represent the budgetary Performance examination and general financial exercises of Southeast Bank PLC. Monetary Performance Analysis has offered that to realize the financial current circumstance. Monetary Performance examination of SEBL incorporates Ratio investigation (liquidity proportion, action proportion, credit chance proportion, and productivity proportion), Trend examination, Common size, and so forth. General Banking is a significant unit of South East Bank PLC under the discount banking division with the target of satisfying the requirement for banking results of clients. It is a noteworthy player in General banking, joining profound nearby learning ability to offer the full extent of inventive and tweaked answers for clients. They are focused on giving the client coordinated neighborhood administrations. Proficient exchange handling Reliable money related data Innovative Products World-class clearing administrations. By analyzing SEBL’s current ration, quick ratio, Debt-Equity ratio, Gross Margin percentage, Net Profit Margin, Operating Profit Margin, Expense to Operating expense ratio, return on Equity, and return on Asset is Ration analysis. It is used to judge the financial success of an economic entity. One popular ratio is the current ratio which is current assets divided by current liabilities. After analyzing the performance of Southeast Bank PLC, it is found that SEBL’s cash ratio has been decreasing and subsequently increasing since 2018 and again in 2022. Considering the liquidity of the bank, it’s critical and needs to be addressed. Total assets turnover is decreasing in every year. Since Asset Turnover ratio is often used as an indicator of the efficiency, the bank should take care of it; return on assets (ROA) is decreasing in2020 to 2024 but last two years its doing better; equity to assets ratio is decreasing in middle of the report and increase following year from 2020 to 2024 and net interest margin is decreasing per year from 2020 to 2024