http://103.7.193.12:8080/xmlui/handle/123456789/22 DEPARTMENT OF FINANCE AND BANKING (FIB) Wed, 28 Oct 2026 03:49:19 GMT 2026-10-28T03:49:19Z http://103.7.193.12:8080/xmlui/handle/123456789/2265 Financial Performance Analysis of Rupali Bank PLC Riyadh, Shadman Shakib The report attempts to analyze the financial performance of Rupali Bank PLC. It has been one of the leading public banks in Bangladesh. The bank offers a wide range of products and services, which include deposits, loans, and advances, ATM services, utility services, SME banking, internet banking, mobile banking, etc. The ratio analysis method is used to analyze the financial performance of Rupali Bank PLC. Therefore, ratios such as leverage ratio, equity ratio, debt to equity ratio, loan to total asset ratio, earning per share, return on asset, return on equity, etc. are calculated to obtain an overall view of its financial performance by using secondary data. For this reason, ten years of data (2014–2023) are to be considered for the year to-year financial performance of Rupali Bank PLC. In the year-to-year financial analysis of Rupali Bank, it can be said that Rupali Bank has not performed up to the mark in 2021 due to the overall unstable condition in the banking sector. This report has been conducted on the basis of secondary data. Some financial tools have been used to analyze the data. It is found that the EPS rate has increased per year, the leverage ratio has increased compared to the previous year, total equity has decreased, the debt ratio has also increased, total assets have increased per year, total loans and advances have decreased, and net profit per employee has increased compared to the year 2022. The bank showed an overall improvement in financial stability, with notable increases in EPS and a balanced loan-to-deposit ratio. Despite fluctuations, the positive trend in ROA and ROE highlights periods of efficiency and profitability. The analysis underscores the importance of continuous monitoring and adaptive strategies for sustaining growth and improving financial health. The report provides valuable insights for bank authorities, investors, shareholders, and policymakers, offering strategic recommendations for future performance enhancement and competitive advantage in the banking sector of Bangladesh. These findings suggest intricate dynamics in profitability metrics that are essential for strategic decision-making. The report underscores the importance of these insights for understanding the financial health and operational efficiency of Rupali Bank PLC, providing valuable recommendations for its future financial strategies. An Internship Report on Financial Performance Analysis of Rupali Bank PLC; This report is submitted to the Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur for the partial fulfillment of the degree of Master of Business Administration (MBA in Finance) Prepared By Shadman Shakib Riyadh, Student Id−1703008, MBA in Finance, Department of Finance and Banking, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University Dinajpur−5200, Bangladesh; June, 2024. Sat, 01 Jun 2024 00:00:00 GMT http://103.7.193.12:8080/xmlui/handle/123456789/2265 2024-06-01T00:00:00Z http://103.7.193.12:8080/xmlui/handle/123456789/2211 The Impact of Credit Risk Management on Banks Profitability: A Study on Rupali Bank PLC, Dinajpur Mia, Md. Riad This study examines ―The Impact of Credit Risk Management on Banks Profitability: A Study on Rupali Bank PLC‖ focusing on its Dinajpur branch. Utilizing data from 2012 to 2022, the report analyzes the relationship between key credit risk indicators, such as non performing loan (NPL) ratios and loan loss provisions, and profitability metrics like Return on Assets (ROA) and Return on Equity (ROE). The findings reveal that effective credit risk management, characterized by lower NPL ratios and adequate loan loss provisions, significantly enhances profitability. The study underscores the necessity of robust risk assessment procedures and proactive credit policies, recommending that Rupali Bank PLC enhance its credit appraisal processes and adopt advanced risk management tools to sustain financial performance. An Internship Report On The Impact of Credit Risk Management on Banks Profitability: A Study on Rupali Bank PLC, Dinajpur; This report is submitted to the Department of Accounting, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur for the partial fulfillment of the degree of Master of Business Administration (MBA-AIS) in Accounting and Information Systems Prepared By Md. Riad Mia, Student ID- 1703145, MBA in Accounting and Information Systems, Semester III-2022, 10th Batch, Department of Accounting, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University Dinajpur-5200, Bangladesh; June, 2024. Sat, 01 Jun 2024 00:00:00 GMT http://103.7.193.12:8080/xmlui/handle/123456789/2211 2024-06-01T00:00:00Z http://103.7.193.12:8080/xmlui/handle/123456789/2210 An Empirical Analysis of Profitability on Commercial Banks: A Study of Bangladesh Sabnaj The main objective of the study is the empirical analysis of profitability of commercial bank through evaluating the effect of leverage, operating efficiency, non-performing loan and capital adequacy. For accomplishing this objective, secondary data have been used which have been collected from annual reports of 20 commercial banks during the period of 2013 2022. To obtain more efficient results the present study has used three profitability indicators earnings per share (EPS), return on equity (ROE) and return of asset (ROA); as dependent variables and Debt to Equity Ratio (DER), Operating Expenses to Operating Profit (BOPO), Non-Performing Loan and Capital Adequacy Ratio (CAR); as independent variables. To analyze the data three analytical techniques (pooled ordinary least square model; fixed-effect model and random-effects model) has been used to run regression model and to select the appropriate results F Test, Breusch and Pagan LM Test and Hausman Test have ben employed. Descriptive statistics, correlation matrix, regression method and hypothesis testing have been used to analyze the data. Among the three profitability indicators EPS has cooperatively high mean value than ROE and ROA which indicates that the banks have miss opportunities. The analytical results of the study show that DER has significant negative effect on ROE insignificant negative effect on ROA and EPS. CAR has significant negative effect on ROE, ROA while CAR has insignificant negative effect on EPS. NPL has insignificant negative effect on ROE while NPL has significant negative effect on ROA, EPS. BOPO has insignificant positive effect on ROE, ROA and EPS. Banks should give special focus to increase the profit to improve bank profitability and also should be careful of selecting borrowers. A Thesis on An Empirical Analysis of Profitability on Commercial Banks: A Study of Bangladesh; This thesis is submitted to the Department of Finance and Banking, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur for the partial fulfilment of the degree of Master of Business Administration Prepared By Sabnaj, Student ID−1703010, MBA in Finance, Department of Finance and Banking, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur-5200, Bangladesh; June, 2024. Sat, 01 Jun 2024 00:00:00 GMT http://103.7.193.12:8080/xmlui/handle/123456789/2210 2024-06-01T00:00:00Z http://103.7.193.12:8080/xmlui/handle/123456789/2209 An Internship Report on Digitalization of Banking Services and Its Impact on Customer Satisfaction: Case, Sonali Bank PLC on Kachinia Branch, Dinajpur Islam, Sajedul Recently, the banking system in the country has grown so technologically advanced that almost all banking services are delivered through electronic platforms. Digitalization of banking in Sonali Bank has a nice history of its development. Surely in its starting, Digitalization of Banking has a few number of customer and a low volume of transactions on these sight. That’s why, their reluctance, low penetration of internet in local households or even the small banking development of these e-banking platforms. There are two main aspects will be considered in this paper: first of all, the management of the process of digitization of services in the Banking System in the Sonali Bank will necessarily examine the information security system, the credibility of the measurement against the digitalization of the banking service and the risk of social engineering. Second of all, we are going to present a survey of 150 respondents on "Bank customers' satisfaction with electronic banking in the Sonali Bank and reliability of their data usage. Digital banking as a new business model, offered through multiple integrated channels of electronic banking services is the future of every banking sectors in a centuary when technological innovation knows no bounds. The challenge of the banking sector in Sonali Bank remains the use of electronic banking services by customers. According to the results, banks need to improve the customer experience in utilizing different sales channels. They should proactively encourage more massive use of electronic service, through more favourable pricing of electronic banking services. Client should also be permanently informed and educated about the use of this services and the risk arising from the use of digital technologies. Research highlights that the highest percentage of users are in favor of digitizing banking services because they benefit in different ways. Some of these benefits for clients include avoiding unnecessary waiting in line to do some work at the bank, avoiding adjusting their personal schedule to that of hours when the bank is open, etc. The findings of our survey also show that bank customers' satisfaction with e-banking in Sonali Bank and the reliability of their data security during use is high. An Internship Report on Digitalization of Banking Services and Its Impact on Customer Satisfaction: Case, Sonali Bank PLC on Kachinia Branch, Dinajpur; This report is submitted to the Department of Finance, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University, Dinajpur for the partial fulfillment of the degree of Master of Business Administration (MBA), Major in Finance. Prepared By Sajedul Islam, Student ID−1703129, MBA in finance, Batch 14th, Faculty of Business Studies, Hajee Mohammad Danesh Science and Technology University Dinajpur−5200, Bangladesh; June, 2024. Sat, 01 Jun 2024 00:00:00 GMT http://103.7.193.12:8080/xmlui/handle/123456789/2209 2024-06-01T00:00:00Z