Abstract:
This report on “Financial Performance Analysis of Agrani Bank PLC” is done by me as an
intern student of BBA so that the theoretical aspects that we have learned could be correlated
with practical banking practice. It covers About Agrani Bank PLC financial health overview
with some key ratios that can be used to check the financial health of the bank.
The report is made up of several sections. The first section provides the introduction to the
study. The second part provides some short history, ownership and activities of Agrani Bank
PLC. The third section describes the analytical financial concepts and tools. The ratios analysis
is also presented with all of its meanings in the fourth part. The report concludes with a
summary of key findings, recommendations, and suggestions for measures to enhance the
financial standing of the bank.
Agrani Bank PLC has an operations in five companies, which include a merchant bank, an
SME financing company and remittance houses in Singapore, Malaysia and Canada. It is also
known as Bangladesh's first state owned commercial bank to pioneer Agent Banking.
The central aim lay on financial performance of Agrani Bank PLC during the period of 2019
and 2023. This is done using various financial ratio analyses such as Return on Equity (ROE),
Return on Assets (ROA), Net Interest Margin (NIM) and Earnings Per Share (EPS). These
measures are employed to evaluate the bank’s profitability, efficiency and sustainability.
The results, which revealed a “mixed bag” of positive and negative developments. It went on
an upswing then plunged after an interesting peak in 2021. This is an indication that the
company is not generating a profit on investments that shareholders are making in the
company. During these 5 years, ROA remained low, this signaling a wasting of total assets for
producing net income. Although dealing with an ever growing competitive environment with
local and international commercial banks, the Agrani Bank PLC has proven its sustainability.
If we can manage or be strategically aggressive in controlling costs and asset turnover, we can
make the bank more financially efficient and competitive.
