Bank Rakyat is a Malaysian cooperative bank that was established in 1954.

It is the
largest cooperative bank in Malaysia with over 16 million members and 1,200
branches nationwide. Bank Rakyat offers a wide range of financial products and
services, including savings accounts, current accounts, loans, mortgages, insurance,
and investment products. It is also a major player in the microfinance sector in
Malaysia. Bank Rakyat is a Shariah-compliant bank and all its products and services
are based on Islamic principles. The bank is headquartered in Kuala Lumpur, Malaysia.

2.0 PROFITABILITY RATIO

2.1 RETURN ON 2.2 RETURN ON
ASSETS EQUITY

2.4 NET INTEREST

2.3 SPREAD
MARGIN

3.0 LIQUIDITY RATIO

 4.0 ASSET QUALITY
4.3 DEPOSIT TO
4.1 NON-PERFORMING 4.2 LOAN TO
SHAREHOLDER FUND
LOAN RATIO DEPOSIT RATIO
RATIO

5.0 CAPITAL ADEQUACY

Both increases from the year 2017 to 2021. High capital adequacy indicates
that Bank Rakyat has a strong financial position as it has larger buffer to
absorb potential losses.

6.0 MANAGEMENT SOUNDNESS

2017 2019 2018 2020 2021

ADMIN
EXPENSES TO 69.78 %
TOTAL
37.29 % 35.78 % 42.38 % 58.89 %
EXPENDITURE

2021
7.0 SUGGESTION AND RECOMMENDATIONS
The bank can continue to focus on its efficiency and profitability
PROFITABILITY by streamlining its operations, reducing its costs, and expanding
RATIO its market share.

The bank can maintain its strong liquidity position by managing its LIQUIDITY
cash flow effectively and by having a diversified portfolio of assets. RATIO
ASSET QUALITY The bank can continue to maintain its good asset quality by lending to
creditworthy borrowers and by monitoring its loan portfolio closely.

The bank can maintain its strong capital adequacy position by raising CAPITAL
additional capital or by retaining more earnings. ADEQUACY

MANAGEMENT The bank can invest in training and development for its
employees, by implementing sound risk management practices,
SOUNDNESS and by having a strong corporate governance structure.

8.0 CONCLUSION
In conclusion, the evaluation and analysis of financial institutions and non
bank financial institutions are essential for assessing their financial
performance, stability, risk management practices, and regulatory
compliance. By conducting thorough evaluations, stakeholders can make
informed decisions, mitigate risks and contribute to the overall stability and
growth of the economy.

AFIQAH ANEESYA BINTI ZAINOL (2022455372)

KHAIREEN SOFEA BINTI KHAIRUL NIZAM (2022622966)
NADHIRA IRDINA BINTI RASHA AZWADI (2022452852)
NURKAMALIA WAFIQAH BINTI MOHD GHAZALI
(2022868012)