Slide 7
Strengths: Weaknesses:
• We provide quick and • Sometimes, they provide only a few traditional
efficient services while services.
offering proper
• The younger staff members are not IT industry
recommendations to our
experts, which can sometimes cause delays for
clients whenever they
customers.
require assistance.
• Another issue with MTBP is its advertising.
• Certain amenities are
People are not familiar with the bank because it
exclusively available to
has a very limited media presence.
army personnel.
• High Interest Rates.
• Our well-decorated
branches are designed to
capture the attention of
potential clients, which is
one of our positioning
techniques.
Opportunities: Threats:
• The company can create a • Junior officers are not adequately taught, which
product line that is will disappoint consumers.
environmentally friendly
• Tightened global financial conditions.
and produces less waste,
which will enhance its • Security and political risks.
reputation among
customers. • Fiscal slippage.
• Simplifying the account
opening process can make
it easier for customers to
sign up.
• The company can improve
its marketing strategy to
reach illiterate customers.
• Sometimes, they provide only a few traditional services.
• The younger staff members are not IT industry experts, which can sometimes cause
delays for customers.
• Another issue with MTBP is its advertising. People are not familiar with the bank
because it has a very limited media presence.
High Interest Rates.
Threats:
• Junior officers are not adequately taught, which will disappoint consumers.
• Tightened global financial conditions.
• Security and political risks.
Fiscal slippage.
Slide -08 Active Participation: FROM DAY ONE TO END DATE I ACTIVELY ENGAGGED
IN WORK WHICH IS ASSIGNEDby my supervisor and coworkers and manager.
Quick Learning:. BEING A NEW INTERNS TO THIS ORGANIZATIONS, WITHIN FIRST
MONTH I LEAREND ABOUT MY WORK REPONSIBILITIES AND THE COMPANY
OPERATIONS
Team Collaboration: . I always worked effectively and efficiently with my departmental leader,
management and coworkers as part of a team.
Client Service: Handling all client queries with patience. It indicates my commitment to
providing excellent customer service, which is essential for maintaining client satisfaction.
Adaptability: Adjusting to the corporate environment and understanding the department's
dynamics shows MY adaptability and ability to integrate into new professional settings.
Completion of Assignments: Successfully completing assignments assigned to you by your
department manager reflects your capability to deliver results and meet
expectations.SUCCESSFULLY COMPLETED MY ASSIGNMENT WHICH IS ASSIGNED
BY MY DEPARTMENT IT REFLECTS MY CAPABILITY TO DELIVER RESULTS AND
Slide -09
Hands-On Experience: Gain practical, real-world experience in a corporate environment,
applying theoretical knowledge learned in the classroom to actual tasks and projects.
Skill Development: Enhance various skills such as communication, teamwork, problem-solving,
and time management through day-to-day responsibilities and interactions with colleagues.
Networking Opportunities: Build professional relationships with coworkers, managers, and
corporate representatives, potentially opening doors for future employment opportunities or
mentorship.
Industry Insight: Gain a deeper understanding of the banking industry, including its operations,
regulations, and challenges, which can be valuable for academic pursuits or future career
decisions.
Resume Enhancement: Add relevant work experience to your resume, showcasing your ability to
work in a professional setting and adding credibility to your qualifications. My internship
experienced I can easily add my resume as a professional experience its create more value.it
showcasing
Personal Growth: Develop confidence, independence, and adaptability as you navigate new
challenges and responsibilities in the workplace.
Potential Job Offers: Impress supervisors with your performance during the internship,
increasing the likelihood of receiving job offers or referrals for future positions within the
company or similar organizations.
References and Recommendations: Build a network of professional contacts who can provide
references or recommendations for future academic or employment opportunities.
Slide 11
Data Analysis Methods: Emphasizes the use of both qualitative and quantitative methods for
data analysis to provide a comprehensive overview of the company's financial performance.
Source of Data Collection:
Primary Sources: Relies on observations, direct inquiries, conversations with supervisors, and
real-world experiences gained at the Mutual Trust Bank branch.
Secondary Sources: Gathers information from internet articles, journals, and online resources
for literature review. Utilizes Mutual Trust Bank's annual reports and its official website for
financial and topical information.
Slide 12 Current Ratio Compare with other competitive Bank
Interpretation: The above table shows noteworthy statistics about their short-term liquidity
Holdings from 2020 to 2022. MTBL, DBBL, and BRAC bank have demonstrated an overall
Increased capacity to pay short-term liabilities with current assets, as seen by a constant
increasing trend in the current ratio through 2021. However, BRAC Bank, Dhaka Bank, and
Prime Bank will all drop by.01%,.01%, and.15% in 2022, respectively. It suggests that the bank
is having problems meeting short-term obligations. However, a minor fall in 2022 suggests a
reduction in liquidity.
Slide13-Return on Assets (ROA) Compared with Competitive Banks
Interpretation: The return on assets (ROA) data of MTBL banks and other banks from 2020 to
2022 provides insight into the efficiency with which they generate returns on total assets. All
banks indicate that ROA varies over time, indicating higher asset use efficiency. MTBL banks
have continuously maintained a positive ROA, which will reach 0.72% in 2022. It indicating
effective management and operations. MTBL,
To fully evaluate their financial performance, a complete investigation of the factor’s influencing
ROA is required.
Slide 14Return on Equity (ROE) Compare with Competitive Banks
Interpretation: Return on equity (ROE) figures for MTBL from 2020 to 2022 demonstrate
Varying success in optimizing equity for profitability. The MTBL bank has a variable ROE of
11.56% in 2022, indicating overall progress. BRAC Bank, on the other hand, has a reasonably
consistent ROE, peaking at 10.22% in 2022 and maintaining between 10% and 11% thereafter.
While MTBL banks are on the rise, Dhaka Bank and Prime Bank are experiencing volatility. A
thorough examination of the elements influencing ROE, such as net income and equity structure,
is required to better understand each individual's financial performance and utilization of
shareholder money.
Slide-15 Loan to Deposit Ratio Compare with Competitive Banks
Loan-To-Deposit The ratio measures a bank's liquidity level. Total deposits comprise savings
accounts, demand deposits, term deposits, and deposits with other banks. An optimal loan-to-
deposit ratio ranges
between 80% and 90%. A low loan-to-deposit ratio can also raise a bank's interest costs. When a
bank has extra deposits,
it may have to pay higher interest rates to entice depositors. This may increase the bank's interest
expenditure and lower its profitability. A high loan-to-deposit ratio can diminish the net interest
margin, a vital source of profit for banks. When banks borrow more, they have to pay more
interest to borrow funds from the market, reducing their net interest margin. This shrinks their
profitability. For example, if a bank's Loan to Deposit Ratio is 90%, it indicates that for every
100 Taka deposited by its clients, it lends out 90 Taka. If the bank receives a large number of
withdrawals from its clients, it may need to borrow cash from the market to maintain liquidity.
This might raise its funding costs and lower its net interest margin, reducing its profitability.
Maintaining a low loan-to-deposit ratio is critical for banks to be profitable. High loan-to-deposit
ratios can diminish net interest margins, increase non-performing loans, and raise capital needs,
all of which can have an impact on bank earnings. To ensure that banks preserve their liquidity
while lending, they must
strike a balance.
Strengths
Weakness
Swot Opportunities
Analysis
Threats
