Letter of Transmittal

Date: 19/11/2023

Fahad Zeya

Assistant Professor,

Department of Finance & Banking,

Comilla University.

Subject: Submission of Internship Report on “Financial Performance Evaluation of Rupali

Bank”

Honorable Sir,

With the utmost respect and gratitude, I am pleased to submit my internship report on
“Financial Performance Evaluation of Rupali Bank.” This report represents a culmination of
my dedicated efforts during my internship period and serves as an obligatory requirement for the
successful completion of my BBA program. I consider it a distinct privilege to have had the
opportunity to work under your esteemed guidance.

My internship journey has been an intellectually stimulating experience, and this report aims to
provide a comprehensive evaluation of Rupali Bank's financial performance. Ample financial
analysis tools and data sources were employed to ensure a thorough assessment. To enhance
clarity, I've included charts, tables, and graphs. This report is structured to offer a comprehensive
overview of the bank's financial status.

I wish to express my deep appreciation for your guidance. Your mentorship has been invaluable
in shaping my understanding of financial analysis. Thank you for your support and guidance
throughout this endeavour. I eagerly await your feedback and insights.

Sincerely yours,

Sharmin Sultana

ID No: 11817033 (Readmission)

Session: 2017-18

Department of Finance & Banking

Comilla University

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Acknowledgement

At the outset, I extend my heartfelt thanks to the divine for granting me the fortitude to complete
this task. The internship report is an integral facet of the BBA program. It is my privilege to
compile an internship report on “Financial Performance Evaluation of Rupali Bank.”

I'd like to convey my profound gratitude to my esteemed academic mentor, Fahad Zeya, and all
the revered faculty members at the Department of Finance & Banking, Comilla University. Their
unwavering support and guidance throughout my BBA journey, as well as their permission and
assistance in the preparation of this report, are deeply appreciated.

Sharmin Sultana

ID No: 11817033 (Readmission)

Session: 2017-18

Department of Finance & Banking

Comilla University

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Student’s Declaration

I solemnly affirm that the content within this internship report, titled “Financial Performance
Evaluation of Rupali Bank.” is entirely my original work, conducted under the guidance of
Fahad Zeya, Assistant Professor in the Department of Finance & Banking at Comilla University.

No section of this report has been previously submitted to any other educational institution for
academic accreditation. The material I have presented does not infringe upon any existing
copyrights, and no portion of this report has been directly copied from any prior academic work.
Proper acknowledgement and references have been provided for information drawn from both
published and unpublished sources.

I also commit to indemnify the department against any liability arising from a breach of the
aforementioned obligations, if any.

Sharmin Sultana

ID No: 11817033 (Readmission)

Session: 2017-18

Department of Finance & Banking

Comilla University

ⅲ
Supervisor’s Declaration

I hereby certify that the internship report titled “Financial Performance Evaluation of Rupali
Bank” has been completed by Sharmin Sultana, ID No:11817033 (Readmission), Reg
No:11817033, for the academic session 2017-18. This report fulfils a partial requirement for the
Bachelor of Business Administration (BBA) degree from the Department of Finance & Banking,
Faculty of Business Studies, Comilla University, Cumilla.

This internship report has been prepared under my supervision and represents an authentic
account of the work conducted with diligence and success.

Fahad Zeya

Assistant Professor,

Department of Finance & Banking,

Comilla University.

ⅳ
Executive Summary

The examination of a bank's financial performance is not merely an exercise in

number-crunching; it's a strategic exploration of economic stability and growth potential. Within
this context, this report delves deep into the intricacies of Rupali Bank's financial landscape,
meticulously scrutinizing its income generation, profitability, and overall fiscal health. As a
linchpin in Bangladesh's banking sector, Rupali Bank's role is pivotal in shaping the nation's
economic dynamics, making an in-depth analysis crucial. At the heart of any financial
institution's sustainability lies its ability to generate profits effectively. Rupali Bank, being no
exception, relies heavily on its financial activities to not only sustain but also enhance its
operations. This report aims to unravel the complex interplay between the bank's financial
performance and its profitability, adopting a multifaceted analytical approach that integrates
various financial indicators and performance metrics. The meticulous review extends to Rupali
Bank's financial statements, shedding light on income sources, expenditure patterns, and key
financial indicators such as Net Interest Margin (NIM), Return on Assets (ROA), Return on
Equity (ROE), and the Efficiency Ratio. These indicators collectively offer a comprehensive
insight into the bank's fiscal dexterity. The examination has brought forth compelling insights
into Rupali Bank's financial fortitude and profitability. The bank's ability to efficiently manage
its assets and prudently allocate capital emerges as a cornerstone in generating a stable stream of
income. Notably, the judicious management of its loan portfolio, coupled with robust
asset-liability management, underscores Rupali Bank's resilience in the face of economic
fluctuations. Furthermore, this report embarks on an exploration of the intricate link between
financial performance and profitability. Employing statistical tools such as regression models,
correlation studies, and graphical representations, the report unveils the nuanced relationships
between key performance indicators and profit generation. This exhaustive analysis, spanning
five years, offers valuable insights into the dynamic factors that either contribute to or impede
the bank's profitability. The detailed examination within this report paints a nuanced portrait of
Rupali Bank's financial performance. It doesn't merely highlight strengths such as prudent asset
management but also offers constructive suggestions for potential improvements. Recognizing
that financial performance is a linchpin for sustained success, this report serves as a compass,

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guiding Rupali Bank toward a more prosperous future by navigating the intricacies of its fiscal
landscape.

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 Table of Contents
Contents Page
No.
Letter of Transmittal i
Acknowledgement ii
Student’s Declaration iii
Supervisor’s Declaration iv
Executive Summary v
Chapter Introduction 8-17
1.1 Introduction 9-10
1.2 Rationale of the Study 12
1.3 Literature Review 12-14
1.4 Research Question 15
1
1.5 Objectives of the Report 15
1.6 Methodology 15-16
1.7 Limitations of the Study 16-17
1.8 Conclusion 17
Organizational Profile 18-29
2.1 Background of Rupali Bank Ltd. 19-20
2.2 Historical Background of Rupali Bank Ltd. 20
2.3 Corporate Profile of Rupali Bank Ltd. 21-22
2.4 Organogram Profile of Rupali Bank Ltd. 23
2.5 Core Values of Rupali Bank Ltd. 24
2 2.6 Vision of Rupali Bank Ltd. 25
2.7 Mission of Rupali Bank Ltd. 25
2.8 Slogan of Rupali Bank Ltd. 25
2.9 Products of Rupali Bank Ltd. 25-27
2.10 General Banking Activities 27-28
2.11 Strategic Significance of Rupali Bank Limited 28-29
Theoretical Background 30-35
3.1 Financial Analysis 31
3.2 Ratio Analysis 31-32
3 3.3 Liquidity Ratio 32
3.4 Asset Activity Ratios 32-33
3.5 Efficiency Ratio 33

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 3.6 Profitability Ratios 33
3.7 Financial Risk Ratio 34
3.8 Common Size Analysis 34
3.9 Common-Size Balance Sheet 34
3.10 Common-Size Income Statement 35
3.11 Trend Analysis 35
Financial Analysis 36-52
4.1 Individual ROE of Different Banks 37-38
4.2 Individual NPL of Different Banks 38-39
4.3 Current Ratio 40
4.4 Operating Profit 41
4.5 Net Profit 42
4.6 Return on Assets (ROA) 43
4
4.7 Return on Investment (ROI) 44-45
4.8 Debt Equity Ratio 45-46
4.9 Return on Equity (ROE) 46-47
4.10 Price to Earnings Ratio (P/E Ratio) 47-48
4.11 Market Value Per Share 48-49
4.12 CRAR/Capital Adequacy Ratio (CAR) 49-50
4.13 Earnings Per Share (EPS) 50-51
4.14 Number of Branches 51
4.15 Summary of the Financial Ratios of Rupali Bank 52
Findings, Recommendation and Conclusion 53-57
5.1 Findings 54-55
5 5.2 Recommendation 55-56
5.3 Conclusion 56-57
References 58-59