Internship Report On “Financial Performance Analysis of Agrani Bank Limited”

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.