“Ratio Analysis of Rupali Bank Limited”

East West University

Submitted To:
Dr. Javed Bin Kamal
Assistant Professor
Department of Business Administration
East West University

Submitted By:

Name Id
Sabekun nahar 2019-3-10-035
Md. Omar Sakib Hossain 2019-3-10-218
Rasibul Islam Rafi 2019-2-10-154

Section-01
Course Code- Fin380
Course Title- Management of Commercial Banks

Date of Submission:10 August 2023

Letter of Transmittal

10 August 2023

To
Dr. Javed Bin Kamal

Assistant Professor,

Department of Business Administration

East West University

Subject: Submission of Financial Ratio Analysis of Rupali bank Limited.

Respected Sir,

We are very delighted to submit the term paper on Financial Ratio Analysis of Rupali
bank Limited. Our main incentive is to prepare this term paper according to your
guidelines by your instructions. We have tried our best to produce our work as per your
structures and are glad to be able to submit our term paper following proper instructions.

We are extremely grateful for the opportunities that you gave us to express our
innovative ability and we earnestly hope that you will like the work that we have done.
Furthermore, we stand by to answer all queries regarding our work and pledge that the
term paper on Financial Ratio Analysis of Eastern Bank Ltd by the amalgamation of
our varied skills and hard work.

Sincerely,
Sabekun Nahar.
 Acknowledgment
.

First and foremost, praise and thanks to the Almighty, for his showers of blessings
throughout our paperwork to complete the term paper successfully.

We would like to express our deep and sincere gratitude to our faculty Dr. Javed Bin
Kamal, Assistant Professor Department of Business Admiration at East West
University, for allowing us to do the term paper. Throughout this course, your
dynamism, vision, sincerity, and motivation have deeply inspired us. It was a great
privilege and honor to work and study under his guidance.

We are also extremely grateful to our parents for their love, prayers, caring and
sacrifices for educating us and preparing us for our future.
 Executive Summary
Banks have been playing an important role in the economic development of Bangladesh.
Banking is one of the sectors in which the prosperity of a country depends on. The
banking sector in Bangladesh is huge and many skilled workers are working in this
sector

Rupali Bank was formed by the merger of three former commercial banks: Australasia
Bank Ltd., Muslim Commercial Bank Ltd., and Standard Bank Ltd. After Bangladesh's
liberation war, it was taken over by the Bangladesh Banks (Nationalization) in March.26,
1972. They received all advantages, powers, rights, assets, obligations, and liabilities.
Until December Rupali Bank Ltd., founded on January 13, 1986, provided national
services in the same way that other commercial banks do. Following that,On December
14, 1986, it became the country's largest public limited company. It has 565 locations
across the country. It also has foreign correspondents all over the world.

The topic of my term paper is "Ratio Analysis of RBL ". As this report is based on the
financial ratio analysis from 2018 to 2021 annual report. The analysis is based on
Liquidity, Profitability, Efficiency, Asset Quality, and Capital Adequacy. This report
aims to analyze RBL ratio to compare all the year.
 Chapter 1

1.1 Introduction

A bank is a financial institution which accepts public deposits and creates a demand
deposit while making loans at the same time. The Banking Industry is one of the most
promising industries of our country. The importance of the sector revealed through its
contribution in the economic growth of the country. This sector accelerates economic
growth through mobilizing funds from surplus units to the deficit units. The Banking
Industry is moving towards rapid changes due to technological innovation and
diversified needs of its customers. As the pace of globalization, competition in the
banking sector is increasing very fast. In this report we discussed a renowned bank of
Bangladesh which is Rupali bank ltd.

Rupali Bank Limited (RBL) is a well-known and well-established bank in

[country/region], providing its customers with a wide range of banking and financial
services. RBI's financial performance and stability, as a key player in the banking
industry, are of great interest to a wide range of stakeholders, including investors,
regulators, and analysts.

Analyzing the financial performance of Rupali Bank Limited through various financial
ratios can provide valuable insights into the bank's operational efficiency, liquidity,
profitability, and overall financial health as a student working on a term paper.
1.2 Objective of the Study
The objectives of this term paper is to present a thorough and well-researched analysis of Rupali
Bank's financial ratios, providing valuable insights into the bank's financial health and
performance as well as useful recommendations for its future growth and [Link] primary
goal of this report is to explain real-life scenarios in the organizational working environment and
Rupali Bank Limited's Financial Ratios Analysis over time. However, the specific objectives of
this study may be questionable. The report has been completed.
● To obtain information about the banking environment and its services.
● To determine RBL's performance over time using ratio analysis
● To forecast RBL's future position.

1.3 Scope of the study

Because banking departments are interconnected, conducting this study requires a broad uThe
field of my study is the operation of the Banani branch of The Rupali Bank Limited.
understanding of the entire banking system.
The scope of the organizational part includes The Rupali Bank limited's overall organizational
background, objective, function, departmentalization, Financial Performance Analysis, and
products and services. The main section discusses The Rupali Bank Ltd's financial analysis. This
refers to how the bank has performed over time.
1.4 Methodology of the study

The report is prepared on the basis of secondary sources of information. These are
the secondary sources:

● Gather the necessary financial data of Rupali Bank Limited

● Examine the risks associated with the financial ratios of Rupali Bank.
● Validate the accuracy of the financial data and ratio calculations to ensure there are no
errors or discrepancies.
● Different textbooks & materials
● Balance sheet and various documents

1.5 Limitations of study

This report was conducted with the intention of making the report realistic and properly
accepted. However, numerous issues arose during the study's execution. The information
provided is insufficient. Some of the information is company secret and important, and it is only
known to a few people.

However, I make every effort to complete and submit the Report before the deadline, hoping that
it is satisfactory. The study considers the following limitations:
● It was very difficult to gather information about the banking results, as we have to
follow more about secondary information, such as accounting accounts,
directories and some of the banking records.
● The time period chosen for analysis may not fully capture the bank's
performance dynamics, particularly if the bank has experienced significant
changes or developments over a different time period.
● Not provided with information which would make the report more
informational because of confidential policy of the bank.
● Not having access to the cash section of the bank.
● No previous reports have not been prepared based on this topic.
 Chapter 2

2.1 history of the Rupali Bank limited:

Rupali Bank Limited is one of Bangladesh's largest and oldest state-owned commercial
[Link] its independence from Pakistan in 1972, Bangladesh's government nationalized
all major banks, including Muslim Commercial Bank.

Rupali Bank grew quickly after nationalization and expanded its branch network across the
country, playing an important role in providing banking services to various sectors of the
[Link] Bank has been through several mergers and consolidations with other state-
owned banks over the years. Notably, Rupali Bank merged with Sonali Bank and Janata Bank in
2002.

However, in 2007, the merger was reversed, and Rupali Bank regained its independent
[Link] Bank Limited has recently focused on improving its technological capabilities,
introducing digital banking services, and expanding its product [Link] deal was later
reversed in 2007, and Rupali Bank regained its independence.

Rupali Bank Limited has focused in recent years on improving its technological capabilities,
introducing digital banking services, and broadening its range of financial products to meet the
changing needs of its [Link] a state-owned enterprise, it has participated in the enactment
of government policies and initiatives aimed at promoting financial inclusion and economic
growth in the country.

2.2 The vision of the Rupali bank:

Rupali Bank Limited expand their loyal customer base by being known as the financial
partner of choice that constantly exceeds customer expectations

2.3 Mission:
● Developing long relationships with customers to achieve their financial success
● Presenting lucrative career opportunities for employees.
● Holding ethical and moral values in order to exceed clients need