Presentation Topic is about Online Banking service of Janata Bank Ltd.

2. Mahmudul Hasan
ID No: 11121101202
BBA,26th Intake
Major in Finance

3. Financial performance Analysis of
Janata Bank

4. Objectives of the Report
Methodology of the Report
Limitation of the Study
Customers’ Perception Regarding the Financial
performance Analysis of Janata Bank
Findings of the Study
Recommendations
Conclusion

5. As a mandatory requirement of the Bachelor of
Business Administration (BBA) program, I was assigned
to do my internship in JBL for a period of three months.
For the completion of BBA degree I have got an
opportunity to do my internship at JanataBank Ltd.
Without practical exposure theory can never be
acquired.
Background of the report

6. Broad Objective:
The prime objective of this report is to
analyze the Financial performance Analysis
of Janata Bank.
Objective

7. The following objectives can be listed as the specific
objectives for this study:
 To assess the liquidity position of Janata Bank Ltd.
 To examine the asset management quality of Janata
Bank Ltd.
 To analyze the debt position of Janata Bank Ltd.
 To evaluate the profitability position of Janata Bank
Ltd.
Objective Continue
Specific objectives:

8. DATA & METHODOLOGY
 Annual report of JBL (20012 to 2013)
 Various reports related to study
 Website of JBL. www.jbl-bd.com
 Monthly statement of the branch.
The study, credit operation of Janata bank ltd, is
analytical in nature.
Description and sources of data:
Methodology:

9. LIMITATION OF THE STUDY
Some of the limitations I have face while preparing
this Report are listed as follows:
 Time Limitation: To complete the study, time
was limited by three months. It was really
very short time to know details about an
organization like Janata Bank Ltd.
 Inadequate data: Lack of available
information about of Janata Bank Ltd.
Because of the unwillingness of the busy key
persons, data collection became hard. The
employees are extremely busy to perform
their duty.
 Lack of record: Large scale research was
not possible due to constrains and restrictions
posed by the organization.

11. Year 2009 2010 2011 2012 2013
Current Asset 155364.59 170124.18 211780.5 227310 285730.53
Current Liabilities 153319.68 167016.14 199259.3 219102.7 275583.75
Current ratio (times) 1.01 1.01 1.06 1.03 1.04
1.01 1.01
1.06
1.03
1.04
0.98
0.99
1
1.01
1.02
1.03
1.04
1.05
1.06
1.07
2009 2010 2011 2012 2013
Current ratio
(In millions)
Current Ratio
Graphical Presentation:
(In millions)

12. Year 2009 2010 2011 2012 2013
Current Asset 155364.59 170124.18 211780.47 227310.99 285730.53
Current Liabilities 153319.68 167016.14 199259.27 219102.72 275583.75
Net working capital 2044.91 3108.04 12521.21 8207.27 10146.78
2044.91
3108.04
12521.21
8207.27
10146.78
0
2000
4000
6000
8000
10000
12000
14000
2009 2010 2011 2012 2013
Net working capital (In millions )
Net Working Capital
(In millions)
Graphical Presentation:

13. Year 2009 2010 2011 2012 2013
Total Asset 293662 345234 440349 511129 586083
Total Liabilities 279802 325288 410918 494809 548967
Debt ratio (%) 95.28 94.22 93.31 96.80 93.67
95.28%
94.22%
93.31%
96.8%
93.67%
91
92
93
94
95
96
97
98
2009 2010 2011 2012 2013
Debt ratio (%) (In millions)
Debt Ratio
(In millions)
Graphical presentation:

14. Year 2009 2010 2011 2012 2013
Time Interest Earned Ratio (Times) 1.33 1.54 1.60 1.41 0.35
1.33
1.54
1.6
1.41
0.35
0.00
0.20
0.40
0.60
0.80
1.00
1.20
1.40
1.60
1.80
2009 2010 2011 2012 2013
Times Interest Earned Ratio (Times)
Time interest earned ratio
Graphical presentation:

15. Year 2009 2010 2011 2012 2013
Return on Asset 1.00% 0.77% 1.12% (3.50%) 1.42%
1.00%
0.77%
1.12%
-3.50%
1.42%
-4.00%
-3.00%
-2.00%
-1.00%
0.00%
1.00%
2.00%
2009 2010 2011 2012 2013
Return on Asset
Return on Asset (ROA)
Graphical presentation:

16. Year 2009 2010 2011 2012 2013
ROE 23.38% 27.80% 16.32% (49.74%) 30.09%
23.38%
27.80%
16.32%
-49.74%
30.09%
-60.00%
-50.00%
-40.00%
-30.00%
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
40.00%
2009 2010 2011 2012 2013
ROE
Return on Equity (ROE)
Graphical presentation

17. Year 2009 2010 2011 2012 2013
Net profit 300.43 491.16 421.45 (15280.34) 9551.39
Operating profit 8578.12 12036.40 15722.32 14533.8 12127
Net profit margin 3.50% 4.08% 2.68% (105.15) 7.88%
3.50% 4.08% 2.68%
-105.15%
7.88%
-120.00%
-100.00%
-80.00%
-60.00%
-40.00%
-20.00%
0.00%
20.00%
2009 2010 2011 2012 2013
Net profit margin (BDT in millions)
Net Profit Margin
Graphical presentation

18. Year 2009 2010 2011 2012 2013
Cost to income ratio 77.98% 70.65% 61.31% 60.68% 64.37%
77.98%
70.65%
61.31% 60.68%
64.37%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
2009 2010 2011 2012 2013
Cost to income ratio
Cost to Income Ratio
Graphical presentation:

19. MAJOR FINDINGS
The study, Financial performance analysis of JBL, reveals the
following major findings.
 JBL’s current ratio was fluctuated mode from 2009 to 2013. In 2009, JBL
was maintaining 1.01 tk. Current assets against 1 tk.
 Current liability but in 2010 its current ratio is equal to 2009. In 2013 the
current ratio has decreased to 1.04
 JBL’s time interest earned ratio has increased except in 2012 and 2013.
 Cost to Income ratio is in decreasing trend from 2009 to 2012 but in 2013
this ratio has increased aging to 64.37% from 60.68% in previous year.
 Net profit margin was fluctuating from 2009 to 2011. But in 2012 net profit
margin dramatically decreased to (105.15) %. But in 2013 it again increased
to 7.88%.

20. The study of Financial performance analysis of JBL requires the following
recommendations.
 Current ratio of JBL is enough to recover its current liabilities
through it was decreased in 2013 than 2012.
 JBL should reconsider its capital structure with a view to
decrease its debt level and achieve an optimum capital
structure.
 As cost to income ratio is increased in 2012, bank should
reduce the operating cost to decrease the ratio.
RECOMMENDATIONS

21. Internship is a bridge between theoretical knowledge and
practical knowledge. Now that I have completed my
Internship, I believe the experience I have gathered working
in the official environment will be proven vital for me to go
ahead in my professional life. During my internship I have
realized how modern Science and Information Technology
have been contributing more and more to the development
of operational and management process. To serve
customers well, companies need to be skillful in many areas
faster development of new business strategies, shrinking
company formalities, reducing procedure times, improving
customer service and increasing and maintaining knowledge
for accomplishing all these goals.
CONCLUSION