Internship Report

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Factors influencing on Financial Technology: A Study on Customers intention to use Fintech product
(Comilla University, 25-May-2025) Datta, Ritu Rani
There is a growing competition between banks and fintech not only in advanced economies, but also in the emerging markets. However, it is yet to be observed in Bangladesh to the same extent. This report aims to evaluate fintech’s level of development in Bangladesh compared to other development country. The report identifies financial services using innovative technologies offered by fintech companies, analyses the advantages and disadvantages of these services in comparison with services offered by the traditional financial sector companies (banks, insurance companies, institutions involved in asset management and investment, etc.), and evaluates how prepared are consumers to use fintech services. This report documents the results of the survey aiming to clarify how well-informed consumers in Bangladesh are about fintech services, their convenience, speed and safety, as well as the consumers' current satisfaction with
An Internship Report On Financial Performance Analysis of IFIC Bank PLC
(Cumilla University, 25-May-2025) Oishi, Rabina Islam
IFIC Bank promotes a vibrant and welcoming workplace culture that encourages innovation, teamwork, and diversity. The company's dedication to collaboration, honest communication, and a strong feeling of community is frequently cited by IFIC BANK PLC employees. This culture encourages a supportive workplace atmosphere where people may flourish and help the business succeed. Through the internship program in IFIC BANK PLC, I go to experience and have acknowledgements about their financial operations and corporate culture. The study of the report highlight the whole experience at IFIC BANK PLC outlining all aspects.. This report is divided into several parts and discussed every possible parts from organization specific to focused topics of project. There are detailed manner discussions about organization, daily operations of different departments, business structures, strategies regarding their growth and success in competitive market. The company has maintained a healthy level of profitability, with a consistent gross and a net profit margin during the analysis period. In the focused part of findings and analysis, I have tried to hold up the reflection of financial issues and conditions in this sector through detailed study of IFIC BANK PLC. This report gives the overview of IFIC BANK PLC’s concerning areas to improve and current market position
Assessing Customer Satisfaction and Factors Influencing E-Banking Services at Private Commercial Bank: A Comprehensive Study on BRAC Bank PLC
(Cumilla University, 25-May-2025) Hossain, Ahmed
In conclusion, the comprehensive study on customer satisfaction and factors influencing e-banking services at BRAC Bank PLC has provided valuable insights into the evolving landscape of digital banking in Bangladesh. The findings indicate a positive trend in customer satisfaction, with acknowledgment. The diverse array of e-banking services provided by BRAC Bank PLC, ranging from online banking and mobile banking to electronic funds transfer and bill payment, demonstrates the bank's commitment to meeting the evolving needs of its customers. However, there is room for improvement, particularly in areas such as user education, technological accessibility, and continuous enhancement of security measures. By implementing the recommended strategies, BRAC Bank PLC can not only address current challenges but also position itself as a leader in providing cutting-edge e-banking services. The collaboration with fintech partners, customization of services, and a strong focus on customer feedback will
Analysing the Impact of Capital Structure on Financial Performance: An Empirical Study of State-owned Commercial Banks in Bangladesh
(Comilla University, 26-May-2025) Islam, Sadia
This report focuses on the impact of capital structure on the profitability of state-owned
Impact of Credit Risk Management on Bank’s Profitability: A Study on State Owned Commercial Bank
(Comilla University, 26-May-2025) Jabbar, Abdul
This report "Impact of Credit Risk Management on Bank’s Profitability: A Study on State Owned Commercial Banks" examines the relationship between credit risk management and
Impact of Bank Liquidity and Macroeconomic Determinants on Profitability of Private Commercial Banks in Bangladesh: A panel Data Analysis
(Comilla University, 26-May-2025) Salma, Meherunnesa
This study investigates the impact of bank liquidity and macroeconomic factors on the profitability of private commercial banks in Bangladesh, using data from 10 banks over the period 2014–2023. Return on Assets (ROA) and Return on Equity (ROE) serve as dependent variables, and bank specific variables such as Current Ratio, Deposit Growth Rate, Capital Adequacy Ratio, Total Loan to Total Deposit Ratio, Operating Expenses to Total Assets Ratio, Size of the Bank measured with log of Total Assets, Non-Performing Loans to Total Loans Ratio, along with macroeconomic variables such as GDP Growth Rate, Inflation Rate, Interest Rate Spread, Money Supply Growth Rate, as independent variables. Four regression models—Pooled OLS, Fixed Effects, Random Effects, and GLS—were applied, alongside Model Specification Test, Diagnostic Tests for Heteroscedasticity, Autocorrelation, Multicollinearity and Unit Root Test to validate the econometric estimations. Based on the estimated outputs, the GLS model was identified as the best-fitting model as there was heteroscedasticity and autocorrelation problem in data set. According to GLS model, Current Ratio, Non-performing Loan to Total Loan Ratio, Total Loan to Total Deposit Ratio and Bank Size have significant negative impact on profitability, while Operating Expenses to Assets Ratio and Interest Rate Spread have significant positive affect on profitability of banks. By exploring the relationship between internal liquidity measures and external macroeconomic determinants with profitability, this research aims to provide valuable insights for bank managers, policymakers, and regulators. The findings are expected to support informed decision-making processes and contribute to strengthening the profitability and resilience of the private banking sector in Bangladesh.
Determinants of Capital Adequacy of State-Owned Commercial Banks in Bangladesh.
(Comilla University, 26-May-2025) Eva, Jannatul
For establishing a healthy banking structure, and for comparing the ability of banks with global standard, banks must keep certain amount of CAR (Capital Adequacy Ratio) to ascertain that banks can manage their risk exposures. This CAR is set by Basel which is an international regulatory system of capital of banking industry. Bangladesh bank also implement Basel-3 from 2015, January. According to Basel-3 a bank has to keep minimum 10% of their capital and 2.5% capital conservation buffer, in total 10%+2.5%=12.5% of their risk weighted asset as CAR. This regulation of minimum capital requirement is kept to ensure that banks keep enough capital to face their risk. By this, Bangladesh banks lower the risk and protect the banks from being default. CAR is measured by tier-1 (core capital) plus tier-2 (supplementary capital) divided by banks RWA. This report aims to examine the relationship between CAR and determinants (Firm-Specific and Macroeconomic drivers) of CAR. This analysis of data is based on the sample of 5 State-Owned Commercial Banks namely Sonali, Basic, Agrani, BDBL, and Janata Bank for the duration of 2011 to 2021. This analysis has been done through a panel data regression by statistical software STATA in pooled OLS, Random Effect, Fixed effect, GLS, GMM, and Unit Root Test. Here, have
Impact of Corporate Governance on Bank’s Profitability: A Study on Private Commercial Banks in Bangladesh
(Comilla University, 26-May-2025) Nanjiba, Rifah
This research examines the influence of corporate governance practices on the financial
“Customer Satisfaction of E-Banking Services: An Empirical Study of Sonali Bank PLC”.
(Comilla University, 26-May-2025) Jisan, Md. Samiul Islam
The report represents the outcome of my internship, which I completed in order to fulfill an
“Analysis of Internal and External Determinants on the Profitability of Commercial Banks in Bangladesh”
(Comilla University, 26-May-2025) Akter, Norunehar
Using Return on Assets (ROA), this study looks at how economic and company-specific factors affect the profitability of 15 commercial banks in Bangladesh. A key measure of banking performance, profitability is influenced by both macroeconomic variables like GDP growth and internal factors like bank size, operating expense to total assets ratio, capital adequacy ratio, and total loans to total assets ratio. The study employs econometric techniques such as Pooled OLS, Fixed Effects, and Random Effects to ensure accurate estimation and address diagnostic concerns like heteroskedasticity, autocorrelation, and
Exploring the Link between Loan Loss Provisions and Profitability in Bangladesh’s Private Banking Sector
(Comilla University, 26-May-2025) Mia, Rubel
This study investigates the relationship between Loan Loss Provisions (LLPs) and the
Determinants of Bank Profitability: A Study on Private Commercial Banks in Bangladesh
(26-May-2025) Tohfa, Jannatul Ferthus
The profitability of a bank is mainly determined by its ability to generate income relative to
“Factors Influencing the Performance of Mutual Funds: Evidence from a developing economy- Bangladesh.”
(Comilla University, 26-May-2025) Bhuiyan, Soliman
This study assesses the key factors influencing closed-end mutual fund performance in Bangladesh, paying particular attention to the consequences of investing non listed securities. Although the goal of mutual funds is to provide small and risk-averse investors with professionally managed, diversified investment options. This study shows that not all of the investing techniques used by mutual funds accomplish this goal. This study investigates how macroeconomic and firm-specific factors interplay to affect mutual fund performance. The study's sample size is based on ten closed-end mutual funds held between 2013 and 2023. In order to draw conclusions, a sample of closed-end mutual fund lists was chosen for descriptive and causal-comparative research. The effects of firm-specific factors such as fund growth, non-listed securities investments, and the P/E ratio have been assessed. Economic growth and the GDP deflator are macroeconomic factors. The study's independent variables include fund growth, non-listed securities investments, the P/E ratio, economic growth, and the GDP deflator. The dependent variable is the mutual fund performance. Regression analysis in this study was conducted using the random effect model in STATA-15. This study demonstrates that the financial performance of mutual funds has been significantly boosted by both fund growth and economic growth. In Bangladesh, however, the financial performance of mutual funds is significantly impacted negatively by GDP Deflator, the P/E ratio, and investments in non-listed securities. Non-listed securities' detrimental influence is especially alarming. These investments, which frequently lack transparency and regulatory monitoring, put mutual funds at higher risk and undermine the very advantages they are meant to provide to novice or small-scale investors. This result calls into question the widely held belief that more risk in these products always translates into higher profits.
Influence of Bank Specific Factors on Profitability: A Study on Janata Bank Limited
(Cumilla University, 26-May-2025) Mohoua, Mahajabin Islam
This research aims to investigate the effect of banks' specific factors on its profitability; with the ordinary course of business and in the medium term (10 years). Secondary data is used to evaluate the performance of the last ten years (2014 -2023) of the annual report of Janata Bank. The internship report is based on “ Influence of Bank Specific Factors on Profitability: A study on
The impact of Asset Management Efficiency on Profitability: A study on Sonali Bank PLC”
(Comilla University, 26-May-2025) Akter, Mst. Nafiza
This report investigates the relationship between asset management efficiency and profitability, focusing on Sonali Bank PLC, the largest state-owned commercial bank in Bangladesh. The study aims to evaluate how effectively the bank utilizes its assets to generate profits and sustain financial stability in a highly competitive and regulated banking environment.
Evaluating of Factors Influencing Bank Operating Efficiency in Private Commercial Banking Sector of Bangladesh
(Comilla University, 26-May-2025) Jahan, Ishrat
This study investigates the effect of bank-specific factors on the operational efficiency of private commercial banks in Bangladesh, analyzing data from ten banks over the period 2014 to 2023. Key internal variables considered include bank size, the ratio of non-performing loans (NPLs) to total loans, total NPL ratio, the loan-to-deposit ratio, loan loss provisions to total loans, interest rate spread, and operating expenses as a share of total income. Macroeconomic indicators such as GDP growth and inflation were also included for broader analysis. To ensure robust results, the study utilizes four econometric models: Pooled OLS, Generalized Least Squares (GLS), Fixed Effects, and Random Effects. Several diagnostic tests—covering heteroskedasticity, autocorrelation, cross-sectional dependence, and unit roots—were conducted to verify the reliability and validity of the models. The findings reveal that only a subset of bank-specific variables—namely bank size, NPL-related ratios, loan loss provisions, and operating expenses— have a statistically significant impact on operational efficiency. This indicates that internal bank
Impact of Bank-Specific and Macroeconomic Determinants on Liquidity Risk: Empirical Evidence from Banking Sector of Bangladesh
(Comilla University, 26-May-2025) Monima Saha Tia, Monima Saha Tia
The purpose of this study is to investigate into how bank-specific and macroeconomic factors affect Bangladeshi banks' liquidity risk. The relationship between macroeconomic and bankspecific factors and liquidity is demonstrated in this study using the Random Effect Model and the Pooled OLS Model. The Hausman test has been utilized in this study to determine which of the Random Effect Model and Fixed Effect Model is the best. It is evident from the Hausman test results that the random effect model outperforms the fixed effect model. In this context, ten banks' annual reports over the last ten years (2014–2023) have been used. The study shows that bank size and total loan to total asset have a statistically significant relationship with liquidity risk. This is supported by both models (Pooled OLS Model and Random Effect Model). Here, loan to deposit ratio is the measure of liquidity risk. GDP growth and inflation have a statistically significant positive relation with liquidity risk(Loan to Deposit Ratio). This decision is also supported by both models. Return on assets ,capital adequacy ratio and operating expenses to total assets ratio have
The Effect of Capital Adequacy ratio on the profitability of Commercial Bank in Bangladesh.
(Comilla University, 26-May-2025) Hossain, Mohammad
This study investigates the impact of capital adequacy and other financial and macroeconomic
Impact of Credit Risk Management on Profitability of Commercial Banks: An Estimation of Dynamic Panel Investigation from Bangladesh
(Comilla University, 26-May-2025) Eitu, Kanij Rukaiy a
The profitability of commercial banks is influenced by a variety of internal and external factors. This study aims to identify and evaluate the bank-specific and macroeconomic determinants that affect the profitability of commercial banks in Bangladesh. The analysis is based on a dynamic panel data model using annual financial data from 10 commercial banks over a tenyear period, from 2014 to 2023. Return on Assets (ROA) and Return on Equity (ROE) are employed as the primary indicators of bank profitability. It providing a comprehensive measure of financial performance. The study considers a range of bank-specific factors, including the loan loss provision to total loan ratio (LLPTR), total loan to total asset ratio (TLTAR), total loan to total deposit ratio (TLTD), capital adequacy ratio (CAR), and non-performing loans to total loan ratio (NPLTL). In addition, key macroeconomic variables such as GDP growth rate (GDPGRR), inflation rate (INFR), exchange rate (ER), and real interest rate (RIR) are included to capture the broader economic environment. The empiricalfindings reveal that several bank-specific factors—specifically LLPTR, TLTAR,
Bank's Specific Factors Affecting The PerformancesOfCommercial Banks"
(26-May-2025) Hamja, Minhajul Hoq
This paper is intend to briefly analyze the Bank's related specific factors AffectingTheBank Performance indicates which is a however a well functioned a stateownedCommercial Banks in Bangladesh. To conduct for this study on, Secondary dataof the10 years data (from 2015 to 2024) of 03 state owned commercial banks e.g. Sonali, Janata, Agrani banks have been collected from the published annual report fromasper its websites participation. All of the data has been collected in at the basisof anon biased and actual representation of its value from the financial statementsofthree reputed commercial bank's published in their annual reports. The total number ofobservations for this paper is 30. This study is conducted based on secondary dataaswell. This paper has been started with a gist introduction to Commercial Banks andtheirbanking works and importance in country's all over economy. The report hasbeendone as for which that is the integral part of MBA program, and it has been mentionedunder of the basis origin of the report. The rationale of this study is to assesstheinternal influential factors Conventionally bank specific factors (Micro factor or bankspecific factors) of the Commercials Banks’ performance fromthe perspectiveofBangladesh. Under the problem statement, the report is needed to be done hasbeenmentioned. The main objectives of this paper to identify the fundamental determinantsand to assess their contribution to the performance criterion of the commercial bank. A brief snapshot of the similar type works that have been done by scholars inthepast