Abstract:
This research looked at the financial operations and performance of National Credit and Commerce Bank Limited during the preceding five years. To evaluate the financial performance of NCCBL I have taken the last 5 years data (2019-2023) annual report and used several tools i.e., Ratio analysis Common Size Statement & Trend Analysis. In ratio analysis I have computed different ratios such as profitability, liquidity, management efficiency, and market value ratios and also added the trend of these ratios. Examining National Credit and Commerce Bank Limited's financial performance, identifying particular characteristics that hinder success, and making recommendations are the main objectives of my research. Current ratio, cash ratio, capacity ratio, earnings asset to deposit ratio, equity to net loan ratio, investment to deposit ratio, net profit margin, loan to deposit ratio, and net asset value per share are the metrics that I think are good. The bank's management team should look at the ratios of non-performing loans to total loans and advances, debt to total assets, net profit margin, cost to income, ROE, ROA, and ROI. I have a broad overview of my concept under the recommendation area. In conclusion, the bank should concern about their liquidity factors. NCCBL should keep its debt equity ratio at a reasonable level. The asset level of NCCBL changes on a regular basis. It should not be changed on a regular basis. It should evolve in a balanced manner. NCCBL should keep a helper on staff to assist illiterate customers in opening accounts at all of its branches. Since some people are unable to complete the form.
