Abstract:
Pubali bank Limited is the largest private commercial bank in Bangladesh with a total of 490
branches and 40 Sub branches.
As a Public Limited Company, it performs a variety of duties for the benefit of individuals,
businesses, corporations, and multinational organizations. In this report, I tried to uncover the
facilities that the bank provides for their customers in terms of basic cash management
functionalities.
In the performance analysis segment, I present a ratio analysis of Pubali Bank Limited. I have used
financial performance indicators like (Liquidity ratio, Efficiency ratio, Asset activity ratio, and
Credit risk ratio, Profitability ratio) to analyze the financial position of the bank. I have used the
4-5 years Annual Financial Statements (Income statement as well as the balance sheet) to come up
with the results. Ratio analysis offers useful insight into how a company is performing over time,
while comparing a company to another within the same industry or sector. Therefore, my goal was
to provide a year-to-year comparison on certain efficiency and sustainability matrixes along with
comprehensive analysis with its sector competitors.
In order to compare the bank's performance over several periods, I have used common size
analysis, trend analysis of balance sheet and income statement of Pubali Bank limited. From
common size analysis, I get the value of all elements in each year based on the single common
factor, which is the percentage of revenue in the income statement. For the balance sheet
calculations, I have taken percentage of all element with respect to total asset also total liability
and shareholder equity.
We can get a direction or an idea for the company's future movement from the trend analysis
section. The calculations in this section are on the base year of 2016. We can visualize and
comprehend the outcome of all banking activities by using graphical representation and
explanation. In the report's final chapter, findings and personal recommendations provided to
justify the findings and properly evaluate the bank's financial performance.
