Financial Performance Analysis of ONE Bank Limited

Abstract

The report is created as a result of my internship, which I have done, as a requirement of the BBA program. This report is based on my three-month internship program at ONE Bank Ltd. During office hours, I never felt irritated or bored. The environment of ONE Bank Ltd. is good and very user friendly. Staffs are trained in their respective areas, work effectively and are supervised by senior management. ONE Bank Ltd. is one of the leading private banks in Bangladesh. All aspects of OBL like credit and risk management; regulatory activities, standards, credit operations, processes, variety of products and services, and the financial performance analysis have been included to this report. The objectives of the study were defined in order to analyze the five years performance of the bank. Based on the analysis, to find out the loopholes of the bank and to recommend the better way to overcome the lacking. To analyze the performance several ratios were used such as interest margin, non-interest margin, EPS, equity multiplier etc. After the analysis, some findings are included such as the decline of EPS, ROA,ROE. The income from non-interest factors are quite good. Based on the findings, some recommendation has given. The bank should focus on increasing interest earnings by lending at higher rate also should concentrate on their earnings spread. They should increase interest income to increase the spread more. Moreover, OBL is gaining its trustworthiness to its customers day by day. At OBL, all staff create arenas to serve customers tirelessly. OBL is engaged in serving society, improving people's lifestyle, developing the business environment.