An Appraisal of Financial Performance of UCB.

Abstract

This report is based on the Financial Performance of United Commercial Bank.Internship program is the per-requisite for the graduation in BBA. Classroom .discussion alone cannot make a student perfect in handling the real business situation; before, it is an opportunity for the students to know about the real life situation through this program. A report has to be built for the university and organization requirement. Bank is an economic institution whose main aim is to earn profit through exchange of money & credit instruments. The banking sector of Bangladesh is passing through a tremendous reform under the economic deregulation and opening up the economy. Currently this sector is becoming extremely competitive with the arrival of :multinational banks as well as emerging and technological infrastructure, effective credit management, higher performance level and utmost customer satisfaction. The Bank divides its operation mainly three parts- General Banking, Foreign Exchange and Loan & Advances. In the organization part of this report, I will discuss about the banking system of different divisions and all of their products and services for their customers. I have done three months internship program in UCB. So from my job responsibilities, I have gained practical knowledge about banking sectors and the working environment. Also, from my working experience and observation I have found out some problems which are very crucial. In the future, those problems can create the main barrier for them to compete with other banks. According to the problems, I have tried to give some recommendation which I think will be beneficial for the bank. In my report, at first I have described the objective of my analysis and the process how I will discuss the results of my analysis in a table. So, for the analysis I have collected the financial statements of United Commercial Bank- Balance sheet, Profit & Loss account and Cash- flow statement over last five years. At the beginning, I have shown the last five years glance of United Commercial Bank in a table and after that I will show last five years growth rate and different types of ratio analysis. I will also show the horizontal analysis of balance sheet over last five years where the changes in amount and in percentage will be described. To talk about the results of analysis, I will show some tables with discussion of some important particulars of balance sheet- Investment, Loan, Deposits, Interest income and expense, Fixed assets, Total assets, Total liabilities and Total shareholder's equity. From the discussion of all the analysis, a conclusion will be drawn where I will discuss about the overall changes and the actions that the bank should take to improve themselves. In my internship report I will also show the Highlights of Last Five years also I will show the Balance Sheet and profit and Loss accounts over the last five years.