Internship Report on “Financial Performance Analysis of ONE Bank PLC”

Abstract

This report presents an in-depth analysis of the financial performance of ONE Bank PLC, based on my three-month internship at the Kathgora Branch in Dhaka, as part of my BBA program at Daffodil International University. I worked in General Banking, Cash Counter Services, and the Credit Department during my internship. I did things like opening accounts, processing transactions, writing loan documents, providing fixed deposit services, and helping customers. The financial analysis of ONE Bank PLC from 2020 to 2024 showed that the bank had good liquidity, moderate but changing profitability, better use of assets, and careful management of leverage. The market value suggested that the company might be undervalued, but the profit margins showed that it was having trouble because of rising costs and other factors. Based on these findings, suggestions include improving profitability, making better use of assets, improving liquidity and risk management, finding new ways to make money through digital and non-interest income, and focusing on long-term growth that lasts. Overall, this internship was a great way to connect what I learned in school with what I did in the real world of banking. It helped me improve my analytical, problem-solving, communication, and professional skills and get ready for a successful career in banking and finance.