AN INTERNSHIP REPORT On “Financial Performance Evaluation of Agrani Bank Limited

Abstract

Agrani Bank Limited is one of renowned, profitable and modern nationalized banking financial institution of Bangladesh with vision to become a premier financial institution and contribute to the economy. It offers all available second-generation products and services to its target market. I have completed my three months internship in Agrani Bank Ltd. in Syedpur branch, Nilphamari. This study has been focused on financial statement analysis of Agrani Bank Limited. The objective of the study is to evaluate the financial performance of Agrani Bank Limited. Mainly secondary data have been used to gather information which is necessary to prepare this study. The performance of ABL during last five years has provided that with strong desire and will power is achieving whatever target he may have. Last year the bank has increased the total operating profit. Liquidity position of the bank is satisfactory. The Bank focused in all key areas like capital adequacy, quality asset growth and strong liquidity thereby ensuring sound revenue. Finally, at the time of the study I found that current ratio and net working capital of ABL is increasing year by year. On the other hand the liabilities and borrowing are increasing during last couple of years leading decreased the total revenue. ABL should be more efficient using its assets to generate it operating income. It should need to improve its asset quality position by utilizing assets in right way. Cash and bank balance to total deposit is not good because higher liquidity means the greater amount of idle money, which cannot generate the revenue. The financial performance evaluation should be made quicker since competition is very hard in today’s business world. The limitations of the study includes as the performance evaluation in the respect of quantitative analysis of ABL are of confidential nature and thus it is difficult to collect the necessary relevant data and information within this short time. The bank officials though helpful in every respect do not have much time to explain the internal procedures.