...FINANCIAL RATIO ANALYSIS OF UNITED COMMERCIAL BANK LIMITED INTERNSHIP REPORT ON FINANCIAL RATIO ANALYSIS OF UNITED COMMERCIAL BANK LIMITED SUBMITTED TO M R M AHMUDUL HAQ ASSISTANT PROFESSOR BRAC B USINESS SCHOOL BRAC UNIVERSITY SUBMITTED BY: ASHIQUR RAHMAN ID-08104154 BRAC B USINESS SCHOOL DATE OF SUBMISSION M AY 24, 2012 LETTER OF TRANSMITTAL 24th May 2012 Mr Mahmudul Haq Assistant Professor BRAC Business School BRAC University Subject: Submission of Internship Report. Dear Sir, With due respect, I would like to inform you that, it is a great pleasure for me to submit the internship report on “Financial Ratio Analysis of United Commercial Bank Limited” as a requirement for the completion of BBA program. I have tried to make the report a comprehensive one within the given 3 months of time. I earnestly thank you for your guidance during the preparation of this report. Any sort of suggestion regarding the report will be greatly acknowledged and I will be gratified if our report serves its purpose. While conducting the report, I have gathered lots of knowledge about the performance of banking operations of commercial consumer lending on first generation banks like United Commercial Bank. I therefore, request you to accept this report and give me proper suggestion to work in my professional life. Yours faithfully, ……………….. Ashiqur Rahman ID: 08104154 Page | i ACKNOWLEDGEMENT As a part of my completion of Bachelor of Business Administration program, our department has...
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...Compensation System (UCBL) Course Title Human Resource Management Course Code MGT (341) Prepared for Mr. Monzoor Morshed Adjunct Faculty Department of Business Administration University of Information Technology and Sciences Prepared By Md. Rayhan Razib Md. Shahriar Ahned Md. Golam Rasul Md. Rajib Hossain Md. Md najrul islam Date of submission: July 26, 2012 Letter of Transmittal July26, 2012 MD. Monzoor Morshed Adjunct Faculty Department Of Business Administration University of Information Technology and Sciences Subject: Submission of term paper. Dear Sir, With due respect it is my pleasure to present the term paper entitled Compensation System in (UCBL). While preparing the report I have tried my level best to focus closely on the topic and try to focus most complete and updated information available. I strongly...
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...University Chittagong. I am a service holder of United Commercial Bank Limited(UCBL) that’s why I have chosen “Consumer banking” as my topic of interest this study is being formed based on the – A study on United Commercial Bank Limited. Dissertation program is very much important. Because when a student of MBA program acquire theoretical knowledge through class and group study then he found something difference between the theoretical knowledge and practical working environment. Again an executive of any organization remain always busy with his own organization. For the dissertation tries to go to the deep of his own organization and acquire much knowledge. So dissertation of IIUC place a major rule to build up skilled executives as well as skilled manpower. In this dissertation it is tried up to take out the zest of the Consumer banking performance Evaluation of the study, anyone can get idea about how this bank is differ from other banks, how this bank make effective its Consumer banking performance moods, what is the performance of the bank till now. 2. Objectives of the study: ❖ Main Objective The main objective of this study is to analyze the Consumer banking of United Commercial Bank Limited, Jubilee Road Branch, Chittagong. ❖ Specific Objectives The specific objectives of the study are: a. To know about the United Commercial Bank Limited. b. To discuss about the consumer banking products and services of the sample bank. c. To analyze the Performance of Consumer...
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...University Chittagong. I am a service holder of United Commercial Bank Limited(UCBL) that’s why I have chosen “Consumer banking” as my topic of interest this study is being formed based on the – A study on United Commercial Bank Limited. Dissertation program is very much important. Because when a student of MBA program acquire theoretical knowledge through class and group study then he found something difference between the theoretical knowledge and practical working environment. Again an executive of any organization remain always busy with his own organization. For the dissertation tries to go to the deep of his own organization and acquire much knowledge. So dissertation of IIUC place a major rule to build up skilled executives as well as skilled manpower. In this dissertation it is tried up to take out the zest of the Consumer banking performance Evaluation of the study, anyone can get idea about how this bank is differ from other banks, how this bank make effective its Consumer banking performance moods, what is the performance of the bank till now. 2. Objectives of the study: ❖ Main Objective The main objective of this study is to analyze the Consumer banking of United Commercial Bank Limited, Jubilee Road Branch, Chittagong. ❖ Specific Objectives The specific objectives of the study are: a. To know about the United Commercial Bank Limited. b. To discuss about the consumer banking products and services of the sample bank. c. To analyze the Performance of Consumer...
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...Bangladesh Central bank: * Bangladesh bank Schedule bank: State-owned commercial banks: State-owned are functioning as nationalist. Here is the list - 1. Sonali Bank Limited 2. Janata Bank Limited 3. Agrani Bank Limited 4. Rupali Bank Limited Private commercial banks(PCB): * Conventional private bank 1. AB Bank Limited 2. Bangladesh Commerce Bank Limited 3. Bank Asia Limited 4. BRAC Bank Limited 5. Dhaka Bank Limited 6. Dutch Bangla Bank Limited 7. Eastern Bank Limited 8. IFIC Bank Limited 9. Jamuna Bank Limited 10. Meghna Bank Limited 11. Mercantile Bank Limited 12. Midland Bank Limited 13. Modhumoti Bank Limited 14. Mutual Trust Bank Limited 15. National Bank Limited 16. NCC Bank Limited 17. NRB Bank Limited 18. NRB Commercial Bank Limited 19. NRB Global Bank Limited 20. One Bank Limited 21. Prime Bank Limited 22. Pubali Bank Limited 23. South Bangla Agriculture and Commerce Bank Limited 24. Southeast Bank Limited 25. Standard Bank Limited 26. The City Bank Limited 27. The Farmers Bank Limited 28. The Premier Bank Limited 29. Trust Bank Limited 30. United Commercial Bank Limited 31. Uttara Bank Limited * Islamic private bank: 1. Al-Arafah Islami Bank Limited 2. Export Import Bank of Bangladesh Limited 3. First Security Islami Bank Limited 4. ICB Islamic Bank Limited 5. Islami Bank Bangladesh Limited 6. Shahjalal islami Bank Limited 7. Social Islami...
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...Term paper On “Credit Risk Management Analysis of United Commercial Bank LTD” [pic] Submitted To: Fahmida Israt Jahan Lecturer Department Of Finance and Banking Dhaka Commerce College Submitted By: Fahim-Ul Kabir Khan Roll No: 978 88 76 Registration No: 185 86 89 B.B.A (Hons.) Part 2 Session 2010-2011 Department Of Finance and Banking Dhaka Commerce College Date of Submission: May 31, 2014 [pic] National University Letter of Transmittal May 31, 2014 Fahmida Israt Jahan Lecturer Department of Finance and Banking Dhaka Commerce College Subject: Term Paper On Credit Risk Management Analysis of United Commercial Bank Ltd Dear Madam, With due respect, I am submitting my term paper on “Credit Risk Management Analysis of United Commercial Bank Ltd” This topic was assigned to me to fulfill the partial requirement of BBA program under National University. It has been a great pleasure for me to have the opportunity to work on the subject mentioned above. This term paper is prepared under supervision of department of business administration and I respectfully acknowledge his guidance and help. I have worked hard in preparing this term paper and have tried to make my paper as clear and comprehensive within the constraints. I sincerely believe that it will serve the required purpose. Sincerely Yours, _______________________________ ( Fahim-Ul Kabir Khan ) Roll No: 978 88 76 ...
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...SIGNIFICANCE OF THE STUDY ............................................................................................................. 6 LIMITATIONS ....................................................................................................................................... 6 METHODOLOGY .................................................................................................................................. 7 DATA COLLECTION PERIOD ................................................................................................................. 7 Chapter 2: Company PROFILE ................................................................................................................. 7 MISSION, VISION AND VALUES OF UNITED COMMERCIAL BANK LIMITED ........................................ 8 VISION: ............................................................................................................................................ 8 MISSION:...
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...ABU DHABI COMMERCIAL BANK LIMITED Name Institution ABU DHABI COMMERCIAL BANK LIMITED Abu Dhabi commercial bank, simply known as ADCB is one of the largest banks in United Arab Emirates in terms of market capitalization and shareholder funds. The bank was established in 1985 through a merger of Emirates commercial bank, the federal commercial bank and the Khaleej commercial bank. The Abu Dhabi government owns sixty-five percent of the shares of the company through its investment arm, the Abu Dhabi Investment Authority (Bllomberg, 2011). The Abu Dhabi commercial bank is a public shareholding company under limited liability. The bank is listed in the Abu Dhabi stock exchange as a public joint stock company. The bank provides the following services; Islamic banking, merchant banking services, stock brokerage, commercial and investment banking, as well as fund management activities (Bloomberg, 2011). ADCB has 49 branches across United Arab Emirates and 2 branches in India. The bank operates through three divisions. They are business banking, personal banking and meetahq Islamic banking. The personal banking segment of the bank offers accounts credit and debit services, loans and wealth management services among other services. The business banking segment of the bank offers the following services, small and medium enterprises banking, corporate banking, investment banking and treasury banking. The meetahq-banking segment offers sharia law compliant banking...
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...fertilizer Engro Corporation, fertilizer Fauji Fertilizer Company Limited, fertilizer ICI Pakistan, chemicals Ittehad Chemicals, chemicals Conglomerates[edit] AKD Group Al-Karam Group of Companies Atlas Group Attock Group of Companies Bahria Town Chenab Group Cowasjee Group Dawood Group Dewan Mushtaq Group Fauji Foundation Fecto Group of Industries Ghani Group of Companies Gul Ahmed Group Habib Group Hashoo Group Izhar Group Jahangir Siddiqui Group Lakson Group Muller & Phipps Pakistan Nagina Group Saigol Group Servis Industries Limited or Servis Group Sharif Group Consumer goods[edit] Automobiles & parts[edit] Adam Motor Company, defunct automotive Al-Ghazi Tractors, tractors Atlas Honda, automotive Dewan Farooque Motors, automotive Ghandhara Industries, automotive Ghandhara Nissan, automotive Ghani Automobile Industries, motorcycles Hinopak Motors, automotive Indus Motors Company, automotive Master Motors, automotive Pak Suzuki, automotive Servis Tyres, tyres Sigma Motors, automotive TCM Automobiles, defunct automotive Food & beverage[edit] Dalda, vegetable oil Fecto Sugar Mills, sugar Madina Sugar Mills, sugar Mair Foods, rice, fruits Mitchell's Fruit Farms Limited, fruit Murree Brewery, brewery National Foods, spice OMORÉ, ice cream Ramzan Sugar Mills, sugar Shakarganj Mills, sugar Shan Food Industries, spice Shezan International, beverage United Industries Limited, food Personal & household goods[edit] Amir Adnan, clothing ...
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...Internship Report ON GENERAL BANKING AND MANAGEMENT INFORMATION SYSTEM (A STUDY ON UNITED COMMERCIAL BANK LIMITED) Course Code: BAN- 400 Course Title: Internship & Viva Prepared To: Md. Abdul Hamid Lecturer Businesss administration department Shahjalal University of Science & Technology, Sylhet. Prepared by: Md. Hedaitul Kabir BBA (Marketing) 4th Batch Reg No-2001731012 Date of submission: 06/11/2007 Shahjalal University of Science & Technology, Sylhet-3114 LETTER OF AUTHORIZATION This is certify that, this internship report on General banking and management information system a study on United Commercial Bank Ltd .Has been prepared by Md Hedaitul Kabir, reg no- 2001731012, Business administration department , 4th batch, sincerely and under my close supervision. I wish his all progress and success. Md. Abdul Hamid Lecturer Business administration department Shahjalal University of Science and Technology ...
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...Performance – A Panel Analysis Public Study” Submitted To: MD. AL MAMUN Assistant Professor of Finance Department of Business Administration East West University Course Instructor: BUS 498 Submitted By: Monjur-E-Elahi ID: 2010-1-10-067 Date of Submission: 27th December, 2013 Letter of Transmittal: 27th December, 2013 Md. Al Mamun Assistant Professor of Finance Department of Business Administration East West University Submission of the research project on “Corporate Governance, Bank‟s Subject: Transparency and Bank‟s Performance – A Panel Analysis Public Study” Sir, Here is the research project on “Corporate Governance, Bank‟s Transparency and Bank‟s Performance – A Panel Analysis Public Study”, which you have assigned me to do, to get a clear understanding over corporate governance practice in different banks in Bangladesh. I have tried my best to gather all kinds of relevant data, which could give an overall idea on this topic. To do that, I‟ve conducted a study on 18 selected bank‟s corporate governance practice. In addition, I have also studies relevant rules, regulations and laws. I hope that this report will meet the expected standard. I have enjoyed doing the research work. Especially, your kind supervision has made the hard work easy. I am submitting this project for your kind consideration and thanking you for your constant assistance and guidance. Sincerely yours, ___________________ Monjur-E-Elahi ID# 2010-1-10-067 iii | P a g e Table of...
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...administration and laborers. * Formulation of policy for the improvement of business policy. * In performance evaluation of a business unit internship program is most significant. * Comparing or determining then extent applicability of systems or methodologies of various business disciplines. * Identify or direct barriers and changes to bring success of business unit. * Knowing about method of correction of errors, formulation of co-operatives. 1.2 SCOPE OF INTERNSHIP PROGRAM: Scope of the study can be described in terms of two grounds like: Organizational Scope: I worked in some important departments of Janata Bank Ltd. Hatem Khan Branch Rajshahi. I could not get the opportunity to work in foreign exchange department. I gave my all customers service in Janata Bank. Periodical Scope: My practical orientation in Bank started from the beginning dated 3rd May to 2nd June. The total duration of program was 4 weeks. 1.3...
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...PERFORMANCE OF COMMERCIAL BANKS IN KENYA A CASE STUDY OF CO-OPERATIVE BANK OF KENYA 1.0 INRODUCTION 2.1 Background of the Study Commercial banks are institutions which accepts deposits, makes business loans, and offers related services. Commercial banks also allow for a variety of deposit accounts, such as checking, savings, and time deposit. These institutions are run to make a profit and owned by a group of individuals, yet some may be members of the Federal Reserve System. While commercial banks offer services to individuals, they are primarily concerned with receiving deposits and lending to businesses. 2.2 Profile of the Co-operative Bank of Kenya The Co-operative Bank of Kenya Limited ('the Bank') is incorporated in Kenya under the Company's Act and is also licensed to do the business of banking under the Banking Act. The Bank was initially registered under the Co-operative Societies Act at the point of founding in 1965. This status was retained up to and until June 27th 2008 when the Bank's Special General Meeting resolved to incorporate under the Companies Act with a view to complying with the requirements for listing on the Nairobi Stock Exchange (NSE). The Bank went public and was listed on December 22 2008. Shares previously held by the 3,805 co-operatives societies and unions were ring-fenced under Coop Holdings Co-operative Society Limited which became the strategic investor in the Bank with a 64.56% stake. The Bank runs three subsidiary...
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...------------------------------------------------- Financial System of Bangladesh The Financial System is a set of institutional arrangement through which surplus units transfer their fund to deficit units. At present the financial system in Bangladesh is mainly composed of two types of institutions like banks and non-bank financial institution (NBFIs). The formal financial sector in Bangladesh includes: (a) Bangladesh Bank as the central bank, (b) 48 commercial banks, including 4 Government owned commercial banks, 30 domestic private banks (PCBs) (of which 6 banks are operating under Islamic Shariah), 9 foreign banks (FCBs) (of which 1 bank is operating as Islamic bank); and 5 government-owned specialized banks (DFIs); (c) 28 non-bank financial institutions (NBFIs) – licensed by the Bangladesh Bank); (d) 2 large government- owned insurance companies (life and general) and 60 private owned (17 life and 43 general) insurance companies; (e) 2 stock exchanges and, (f) some co-operative banks. Besides, a good number of semi-formal micro finance institutions (MFIs) also are operating in Bangladesh. Structure of Financial System: The main constituents of financial system are : i) Financial Institutions ii) Financial Instruments, and iii) Financial Markets. Financial Institutions The modern name of Financial Institution is Financial Intermediary (FI), because it mediates or stand between ultimate borrowers and ultimate lenders and helps transfer funds from one to another...
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...the financial markets arecalled surplus unit . Households are the main type of surplus unit. Participants who usefinancial markets to obtain the funds are called the deficit unit . Money market: Money market an integral part of the financial market of a country. It provides a mediumfor the redistribution of short term loan able funds among financial institutions, which perform this function by selling deposits of various types, certificate of deposits anddiscounting of bills, treasury bills etc. The participants in the money market are: thecentral bank, commercial banks, the government, finance companies, contractual savinginstitutions like the pension funds, insurance companies, savings and loan associationsetc. The instruments that are generally traded in the money market constitute: treasury bills, short-term central bank and government bonds, negotiable certificates of deposits, bankers acceptances and commercial papers like the bills of exchange and promissorynotes, mutual funds etc.The money market in Bangladesh is in its transitional stage. The various...
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