Financial analysis of BRAC Bank Limited for last five years

Abstract

As a part of BBS course, I have completed my internship from the Head Office of BRAC Bank Limited and my internship period was from 29th December, 2019 TO 28th March, 2020. The students who are doing BBA have to do internship besides their regular courses. The aim of this internship is simply to possess a thought about real life workplace and prepare ourselves for future corporate life. Based on our internship experience, all of us have to prepare a report where we discuss our workplace, workplace duties and responsibilities, problems faced during internship, their solutions, our contribution in the organization and all. My main responsibility during the internship was building a bridge between the head office and the branches. I had to communicate with all the branches to convey the messages from head office. I also have to do a lot of work other communicating. I have even gained a true life work experience in my internship period. In my internship report, I have discussed all my experience in the workplaces and a general idea of BBL. BBL is one of the leading banks in the market. In addition, they have the best employees working there with the best management system. BBL is getting the highest credit rating in their sector for several years. They also got many awards for their services and other activities for doing it for the best possible manner. BBL’s marketing team is also doing great to reach out their customer in every corner in this country. I have also discussed the financial performance of BBL in the project part of this report. The objective of this part is to undertake a comprehensive financial analysis of BBL. For the analysis purpose, mostly the secondary data has been used. What their position in market, how well they are performing and an industrial overview is stated here. For the analysis purpose I have done horizontal analysis, vertical analysis, ratio analysis and DuPont analysis. In horizontal and vertical analysis, it was clear that the net profit of BBL has been increased a lot over the years. Thus the owner’s equity has also been increased and overall financial condition improved over the last five years. In ratio analysis, it was also visible they are performing way better than the industry average. They have a favorable profitability ratio, higher return on assets and equity. Though their cost to income ratio and liquidity ratio is increasing, their earning is also increasing. In DuPont analysis, it is proved they have high profit margin with an efficient asset turnover ratio. Through all these analysis, I found that BBL is doing better in the market. They have a good financial health and stability. They know their customer very well and provide service according to their needs. In conclusion, it was really a good experience to internship in such a big organization and gets to know about the real life workplace so closely. I have got an amazing opportunity to apply my theoretical knowledge that I have learned in my courses in this organization setting.