Financial Performance Analysis of Pubali Bank Limited

Abstract

Pubali bank Limited is the largest private commercial bank in Bangladesh with a total of 490 branches and 40 Sub branches. As a Public Limited Company, it performs a variety of duties for the benefit of individuals, businesses, corporations, and multinational organizations. In this report, I tried to uncover the facilities that the bank provides for their customers in terms of basic cash management functionalities. In the performance analysis segment, I present a ratio analysis of Pubali Bank Limited. I have used financial performance indicators like (Liquidity ratio, Efficiency ratio, Asset activity ratio, and Credit risk ratio, Profitability ratio) to analyze the financial position of the bank. I have used the 4-5 years Annual Financial Statements (Income statement as well as the balance sheet) to come up with the results. Ratio analysis offers useful insight into how a company is performing over time, while comparing a company to another within the same industry or sector. Therefore, my goal was to provide a year-to-year comparison on certain efficiency and sustainability matrixes along with comprehensive analysis with its sector competitors. In order to compare the bank's performance over several periods, I have used common size analysis, trend analysis of balance sheet and income statement of Pubali Bank limited. From common size analysis, I get the value of all elements in each year based on the single common factor, which is the percentage of revenue in the income statement. For the balance sheet calculations, I have taken percentage of all element with respect to total asset also total liability and shareholder equity. We can get a direction or an idea for the company's future movement from the trend analysis section. The calculations in this section are on the base year of 2016. We can visualize and comprehend the outcome of all banking activities by using graphical representation and explanation. In the report's final chapter, findings and personal recommendations provided to justify the findings and properly evaluate the bank's financial performance.