Abstract:
In Bangladesh on 29 August 1999, under the Companies Act 1994, First Security Islami Bank
Limited (FSIBL), was set up as a financial company. On September 22, 1999, Bangladesh
Bank granted it permission to begin operations. The Bank operates in the country across one
hundred and seventy-two (172) branches. The bank is all involved in commercial banking
operations By the receipt of deposits, loans, bills, exchanges of cash and foreign currency and
other associated resources such as insurance and repayment, guarantees, acceptances and letters
of credit.The report's main objective is to explore FSIBL financial results, with a particular
emphasis on its overall financial performance. It aims to assess and interpret various forms of
ratios to determine FSIBL's financial performance over the last five years.
In order to get a better understanding of FSIBL's monetary display, a graphics technique was
used in this study. To conduct analysis, sources were arranged, broken down, deciphered, and
viewed in a foundational way, with key points identified. The information for this report was
gathered from both primary and secondary sources. The evaluation entails determining the
appropriate context for the subject to be introduced by a specific paper.
Ratio Analysis is one of the most critical methods and techniques for determining a firm's
viability and liquidity. It assesses the efficiency of our money, whether owned or lent, and how
easily it can be used. The findings of the analysis now have the following information: Present
liabilities were higher in 2018, but increased to 0.21 in 2019. Net financial capital in 2018 was
lower than in 2017. The total debt ratio of FSIBL was decreased in 2018 to 0,963 from 0,964
in 2017.
It is not uncommon for issues to arise in any organization. To run a company, there must be
difficulties. FSIBLs will raise funds from both debt and equity. A company's return on equity
will be increased by increasing the amount of debt capital compared to its equity capital.
Increase your net income in a variety of ways to increase your return on investment.
The bank should lower its fund costs, operational expenses, and operation expenses, in order
to provide a growing trend in cash supply to its debt supply. The company should use paperless
transaction services to save money by using paperless transactions. It should increase its profit
margins by reducing miscellaneous costs and increasing its profit margin by reducing its
operating expenses. It can increase its net earnings by increasing its investment in technology.
