Financial Statement Analysis
Of
Pubali Bank Limited & Social Islami Bank
Limited
(A Comparative Study)
A PARTIAL FULFILLMENT OF FOURTH YEAR
B.B.A. (PROGRAMME)
SUBMITTED TO DEPARTMENT OF FINANCE & BANKING
UNIVERSITY OF CHITTAGONG
BANGLADESH
TERM PAPER
ON
Financial Statement Analysis
Of
Selected sample banks (A Comparative Study)
Submitted to:
Dr. Mohammad Saleh Jahur
Professor
Dept. of Finance & Banking
University of Chittagong.
&
Assistant Professor
Dept. of Finance & Banking
University of Chittagong.
Date of Submission: 01March, 2010.
Letter of submission
Date 01-03-2010
University Of Chittagong,
Chittagong.
Subject: Submission of Term paper Report.
Dear Sir,
It gives me immense pleasure to submit the term paper titled, Financial
Statement Analysis of Pubali Bank Ltd. & Social Islami Bank Ltd. (A
comparative study) I have tried my best to observe the real situation of two
banks. And financial statement as well as their financial analysis and reporting
system. My effort will be successful only if it pleased you.
I sincerely believe that the finding of this paper may help to develop my career
tract. I also think that my paper does not cent percent accurate. For any kind of
explanations and clarification of any part of this paper, please make my oblige
by contract. I sincerely hope this report will receive you attention and approval.
Sincerely Yours
--------------------------
Preface
Practical knowledge has no alternative, a perfect co-ordination between theory
and practice is of paramount importance in the context of the modern business
world. In order to resolve the dichotomy between these two areas, the
Department of Finance & Banking Chittagong University arranges TERM
PAPER a practical completion of the final exam in BBA course. This program
is necessary for every student to complete his / her academic course. Term paper
program brings student closer to the business practical and thereby help them to
substantiate their knowledge so that can prepare themselves to start a successful
career.
Under the Term paper program every student is to an organization with a view to
acquire practical knowledge. Each student is required to prepare a report on the
selected organization under the guidance of his/her co-ordinate.
As per course requirement we where assigned to study on the Financial
Statement Analysis
of Pubali Bank Ltd.& Social Islami Bank Ltd. a
comparative study.
Despite my all hearts efforts; there may still remain some errors, printing
mistakes and deficiencies for which I am alone responsible. My effort will be
meaningful if this report serves the purpose.
Acknowledgement
At the very outset I would like to pay my solemn gratitude to the Almightily
Allah who has turned all of my efforts into an end
I am really indebted to my honorable teacher. It is not my own credit in this
endeavor .I would like to extend my sincere regards & gratitude to my honorable
teacher whose kinds guidance and assistance enabled me to complete my B.B.A
program & to develop my career through their valuable teaching.
I would like to express my deep appreciation &sincere gratitude to my honorable
supervisor and professor Dr. Mohammad saleh Jahur and Assistant professor
Mrs. Firoja Akter Khanam, Department of Finance &Banking, University of
Chittagong for their immense support,
supervision, guidance, & all time
cooperation which help me to accomplish these work successfully.
I also like to thank our departments computer analyst and librarian of CSE who
helps me a lot for searching the relevant data and information regarding two
banks on the INTERNET.
I would be enormously pleased if the report succeeds in earning satisfaction of
my elevators.
CONTENTS
Chapter-01:Introductory Part
1.1
Introduction
1.2
1.3
1.4
1.5
Rational of the study
Objectives of the study
Scope of the Study
Methodology of the study
3
4
5
6
1.6
Limitation of the study
Chapter-02: General Information
About Pubali Bank Limited
2.1
History of Pubali Bank LImited
2.2
Profile of Pubali Bank LImited
2.3
Vision of Pubali Bank LImited
10
2.4
Mission of Pubali Bank LImited
10
About Social Islami Bank Limited
2.5
Background of Social Islami Bank Limited
10
2.6
Profile Social Islami Bank Limited
11
2.7
Vision Social Islami Bank Limited
12
2.8
Mission Social Islami Bank Limited
12
Conceptual Framework
2.9
Financial statement
13
2.10
Financial Report
16
2.11
Financial Statement Analysis techniques
17
Chapter-03:Deposit pattern Analysis & Performance at
a glance
3.1
Performance of PBL at a glance
21
3.2
Performance of SIBL at a glance
22
3.3
Comparative analysis of deposit pattern of sample banks
23
Chapter-04:Liquidity and Investment Analysis
4.1
Comparative Investment analysis of sample banks
26
4.2
Comparative Liquidity analysis of sample banks
29
Chapter-05: Solvency Analysis
5.1
Comparative analysis of solvency position
32
Chapter-06: Profitability and Trend Analysis
6.1
Comparative analysis of Profitability position
35
6.2
Comparative Trend analysis of sample banks
38
Chapter-07: Concluding Remarks
7.1
SWOT Analysis
44
7.2
Recommendations and suggestions
45
7.3
Conclusions
47
References
48
Appendix
49
