Internship Report

On
Performance Evaluation of Rupali Bank Ltd.

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 Internship Report
On
Performance Evaluation of Rupali Bank Ltd.

Supervised By:
Rozina Akter
Assistant Professor
Department Of Business Administration
Faculty of Business and Entrepreneurship
Daffodil International University

Prepared By:
Md. Saroar Karim
ID: 171-11-5358
Program: BBA
Major: Finance
Department Of Business Administration
Faculty of Business and Entrepreneurship

Date of Submission:

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 Letter of Transmittal

Date:
Rozina Akter
Assistant Professor
Department Of Business Administration
Faculty of Business and Entrepreneurship
Daffodil International University

Subject: Submission of Internship Report

Dear Sir,
It gives me great pleasure to be able to complete my internship at Keya Cosmetics Limited and
handover the report on “Recruitment and Selection Process of Keya Cosmetics Limited”. This
internship program has given me the opportunity to practically observe the human resource
department works including recruitment and selection processes used by Keya Cosmetics
Limited.

By doing this internship program I could able to relate my academic education with business
mechanism. I believe that the experience I have gained from this study will be a great value in
my life.

This should be further stated that without your expert suggestions, it would not be possible for
me to complete the report properly. Please give me your judicial recommendations in my effort
and grant the paper to satisfy requirements of the BBA program.

Sincerely yours

______________
Md. Saroar Karim
ID: 171-11-5358
Program: BBA

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Major: Finance
Department Of Business Administration

Letter of Authorization

Date:
Rozina Akter
Assistant Professor
Department Of Business Administration
Faculty of Business and Entrepreneurship
Daffodil International University

Subject: Declaration concerning the validity of the internship Report

Dear Sir,

This is my definite declaration that the report I have prepared is not a duplicate of any internship
report ever made by any other student.

I also express my sincere confirmation to support the fact that this report has never been used
before to satisfy any other academic-related purpose and will not be distributed to any other
person or author in the future.

Sincerely yours,

Md. Saroar Karim

ID: 171-11-5358

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 Letter of Approval
This is to certify that Mahabubur Rahman, ID: 171-11-5338, Program BBA is a regular
student of Department of Business Administration, Faculty of Business & Entrepreneurship,
Daffodil International University. He has completed his internship at Keya Cosmetics Limited,
and he has prepared his internship report under my supervision. His assigned topic is
“Recruitment and Selection Process of Keya Cosmetics Limited”. The information presented in
this internship report appears to be authentic. Thus, the internship report has been accepted for
presentation in the internship defense.

I wish his every success in life

_________________________

Rozina Akter
Assistant Professor
Department Of Business Administration
Faculty of Business and Entrepreneurship
Daffodil International University

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 Acknowledgement

It is indeed an extraordinary pleasure to have the opportunity to submit the internship report
successfully. As I prepare this report, at the outset, I thank Almighty Allah for giving me the
strength and patience to make such an authentic report

I would like to extend my heartfelt thanks to my supervisor Rozina Akter Assistant Professor,
Department of Business Administration, Faculty of Business and Entrepreneurship, Daffodil
International University. For continuous instruction and guidance to properly prepare this report.

Finally, I would like to thank Bithi Akter, Assistant General Manager of Rupali Bank Limited,
Green Road Division, for his regular assistance, coaching and preparatory supervision. And last
but not least, I'd like to thank all the workers employed at the Green Road Branch of Rupali
Bank Limited. They kept the atmosphere comfortable and helpful for me to learn the duties.
Without their support and assistance, there will certainly be no remaining report collected for this
record. I hope it will assist me in my future work as a specialist. In addition, I would like to
thank all the individuals who have helped me prepare this report.

Executive Summary

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This report has been prepared on the idea of three-month practical experience at Keya Cosmetics
Limited. This internship program helped me to find out about the sensible scenario of a
Cosmetics Company. Keya Cosmetics Limited could be a dynamic and leading countrywide
cosmetics product manufacturer and also a producer. This report has been presented supported
my observation and skill gathered from the corporate. The organization has many divisions and
departments, but the main focus is given more on the HRD as I only got the chance to figure
during this division.

The report is predicated on the Recruitment & Selection process of Keya Cosmetics Ltd. the aim
of this report is to grasp how the recruitment & selection process is being determined. After
knowing the scenario of Keya Cosmetics in terms of their Recruitment & Selection Process
plenty of recommendations came up. The report also consists of recommendations and
conclusions, consistent with my point of view, which I believe would improve the environment
of the organization if implemented.

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 Table of Contents

LETTER OF TRANSMITTAL........................................................................................................................ III

LETTER OF AUTHORIZATION................................................................................................................... IV
LETTER OF APPROVAL................................................................................................................................ V
ACKNOWLEDGEMENT................................................................................................................................ VI
EXECUTIVE SUMMARY.............................................................................................................................. VII
CHAPTER – 01................................................................................................................................................. 2
1. INTRODUCTION.................................................................................................................................................3
1.1. BACKGROUND OF THE STUDY....................................................................................................................3
1.2. SCOPE OF THE STUDY................................................................................................................................4
1.3. OBJECTIVES OF THE STUDY.......................................................................................................................4
1.4. METHODOLOGY OF THE STUDY................................................................................................................4
1.5. LIMITATION OF THE STUDY......................................................................................................................4
CHAPTER – 02................................................................................................................................................. 6
2.1 BACKGROUND HISTORY..............................................................................................................................................7
2.2 MISSION, VISION AND VALUES.............................................................................................................................7
2.3 PRODUCT AND SERVICES......................................................................................................................................7
.................................................................................................................................................................................7
2.4 ORGANOGRAM..................................................................................................................................................8
2.5 CORE VALUES....................................................................................................................................................8
CHAPTER – 03............................................................................................................................................... 10
3.1 THEORY OF RATIO....................................................................................................................................... 11
3.1.1 LIQUIDITY RATIO:.................................................................................................................................................11
3.1.2 ASSET ACTIVITY RATIO..........................................................................................................................................12
3.1.3 EFFICIENCY RATIO:...............................................................................................................................................12
3.1.4 PROFITABILITY RATIO:...........................................................................................................................................12
3.1.5 CREDIT RISK RATIO...............................................................................................................................................12
3.2 COMMON SIZE ANALYSIS............................................................................................................................. 13
CHAPTER – 04............................................................................................................................................... 14
4.1 RATIO ANALYSIS OF THE BANK.................................................................................................................... 15
4.1.1 LIQUIDITY RATIO.......................................................................................................................................... 15
4.1.2 ASSET ACTIVITY RATIO................................................................................................................................16
4.1.3 EFFICIENCY RATIO........................................................................................................................................17
4.1.4 PROFITABILITY RATIO...................................................................................................................................18
4.1.5 CREDIT RISK RATIO......................................................................................................................................19
4.1.6 OTHER RATIOS.....................................................................................................................................................19
CHAPTER 5........................................................................................................................................................ 21
5.1 MAJOR FINDINGS:....................................................................................................................................... 22

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5.2 RECOMMENDATIONS.................................................................................................................................. 23
5.3 CONCLUSION............................................................................................................................................... 24

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 Chapter – 01

Introduction

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1. Introduction
Rupali Bank Ltd. was formed by combining 3 (three) former commercial banks, i.e. On March
26, 1972, under the Bangladesh Banks (Nationalization) Order 1972 (P.O. No. 26 of 1972),
Muslim Commercial Bank Ltd., Australasia Bank Ltd. and Regular Bank Ltd. existed in what
was then Pakistan, with all their properties, advantages, rights, powers, authorities, freedoms,
liabilities, borrowings and responsibilities. Until December 13, 1986, Rupali Bank operated as a
nationalized commercial bank. On December 14, 1986, Rupali Bank Ltd. established itself as the
nation's largest public limited banking firm.
On December 14, 1986, Rupali Bank Ltd. established itself as the nation's largest public limited
banking firm. In 1986, the bank was denationalized and reorganized as a limited company with
51 per cent shares owned by the Government of Bangladesh. After the year 2000, however, the
government divested its shares and the privatization of the bank was completed.
A Board of Directors consisting of 10(ten) members, headed by a Chairman, is governed by
Rupali Bank Limited. The Chief Executive Officer & Managing Director, who is a well-known
banker and a respected expert, leads the bank. The bank's head office and its organizational
structure are situated at 34 Dilkusha Commercial District, Dhaka-1000, Bangladesh, the capital's
main commercial hub. With its qualified manpower and largest network of about 517 branches
serving all of Bangladesh's urban and remote rural areas, Rupali Bank Limited extends all major
personal banking facilities and services to its customers. It is linked all over the globe to its
foreign correspondents.
1.1. Background of the study
For all applicants who choose to be a B.B.A graduate, the internship program is a required
prerequisite. In the internship program, I was affiliated with the name RBL of the host company.
This research elaborated on my realistic knowledge in day-to-day banking operations, academic
experience and my internal assistance and my official supervisor under close supervision.
1.2. Scope of the study
The report provides a great deal of insight into Janata Bank Limited's financial results. I
reviewed the financial statements of Janata Bank Limited and several items from this study while
I was working on the annual reports of Janata Bank Limited. It consists of my impressions
during the internship time and on the work experiences. The financial condition and numerous
elements of the company's ratio review are integrated into this article.

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1.3. Objectives of the study
The main objective of the report will be to present the financial performance analysis of Rupali
Bank Limited with fulfilling the requirement of BBA program. However, the objective behind
this study is something broader. Objectives of the report are summarized in the following
manner-
1. To present an overview of Rupali Bank Limited.
2. To analyze the financial performances of Rupali Bank Limited of different years.
3. To provide recommendations based on the findings of the study.
1.4. Methodology of the study
I have learned many techniques from my study life in the testing process. So, I had the chance to
unite my practical educational skills in this study. I have obtained data from this study from
several outlets. Like the internet, the RBL website, newsletters, etc. So, all is secondary data, no
primary data is collected.
Secondary sources:

• Annual Report of Rupali Bank Limited

• Reported disclosed by Bangladesh Bank.

• Collected many data from Internet.

• RBL official website and Newsletters are major sources for collected data.
1.5. Limitation of the Study
The work is undertaken with the intention of conducting a comprehensive review of procedures
for loans & advancements that have been used by several facilities and encountered some
challenges during my study. These barriers can be defined as a limitation of the research. Those
limits are as follows:
• Limitation of time during duration of internship.

• The knowledge gathered was not sufficient for the analysis.

• Considering the population scale, the sampling size was too short.

• The survey carried out for the study could not reflect the fact that the state of mind of the
respondents and the response to the question could not be rational.
• The organization was unable to view classified information or items.

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• As the internship is the first realistic encounter, everything about the bank may not be
understood.

Chapter – 02

Bank Overview

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2.1 Background History
With the merger of 3 (three) former commercial firms, Rupali Bank Ltd. (RBL) was founded.
This means banks, i.e., Muslim Commercial Bank Ltd., Standard Bank Ltd. and Australasia
Bank Ltd. Operated under the Bangladesh Banks in what was then Pakistan on 26 March 1972
Command 1972 (Nationalization) (P.O. NO. 26 of 1972), including all its money, privileges,
rights, Authorities, powers, rights, responsibilities, debts and commitments. Rupali Bank
operated in the same way as Nationalized Exchange Bank until 13 December 1986. Bank of
Rupali Ltd. They have emerged as the country's first public limited banking corporation on
December 14, 1986.
2.2 Mission, Vision and Values
Vision
 To emerge as the main financial agency of the country to finance manufacturing ventures
in the private sector and other projects with a significant effect on the economic growth
of the country. Be an influential player in commercial banking by developing innovative
product outlines and offering outstanding customer support.
Our Mission
 Develop long-term relationships that help our customers achieve financial success.
 Offer rewarding opportunities and cultivate staff commitments.
 Uphold ethical values and meet its customer’s financial need in the fastest and most
appropriate way and continue innovate works in order to achieve human resource with
superior qualities, technological infrastructure and service packages.
2.3 Product and Services

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2.4 Organogram

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2.5 Core Values
 Social responsibility-we care for our families and give to them.
 Performance-we assess and credit successes with outcomes.
 Integrity-we respect commercial integrity and trustworthiness.
 Respect-we treasure every human.
 Innovation-we promote innovation.
 Teamwork-we partner to succeed together.
 The first letters of the initial words form "SPIRIT" and bear equal significance.

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 Chapter – 03

Theoretical Background

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3.1 Theory of Ratio
The most productive approach to analyze a corporation or company is ratio analysis. Via this, a
business will take the right decision to make an investment. Many financial institutions depend
on it only to make their investments in the profitable market. Through these methods, people will
now decide on their short-term & long-term funding for a day. The outcomes can be so similar to
realistic with Ratio. Only the ratio will, on the basis of rational estimation, express the
comparative effect. Nowadays, there are various kinds of percentages. To get proper analysis of
their valued equilibrium, people build different software. Basically, in the banking industry,
percentages are classified in five forms. Below, these are given: —
I. Liquidity Ratio
II. Asset Activity Ratio
III. Efficiency Ratio
IV. Profitability Ratio
V. Credit Risk Ratio

3.1.1 Liquidity Ratio:

The ratio of liquidity is the ratio by which a company can determine the capacity of the company
to meet the amount of creditor liability. To increase its profitable operations, much of the
company used to take a huge volume of credit from respected lenders. A business needs to
measure the cost of capital against the loan. Since a leveraged enterprise is more beneficial than
an unlevered business. In this situation, a company must retain a liquidity level in order to be
mindful of its obligations to creditors. There are some ratios of liquidity which are given below.
i. Cash Ratio.
ii. Cash to Assets Ratio.
iii. Cash to Deposit Ratio.
iv. Loan to Total deposit ratio.
v. Loan to total assets ratio.

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3.1.2 Asset Activity Ratio
In view of cash & time, it modifies the different forms of account in the financial statement. An
organization can calculate the optimal time to make a purchase in cash or credit by this ratio.
This covers two ratios from the viewpoint of the financial industry. These are included below:
I. Fixed Assets Turnover.
II. Total Asset Turnover.
3.1.3 Efficiency Ratio:
Compared to the actual expense, this indicates the rate of return on investment. On the other
hand, when using a 100 percent commodity, it calculates the money made. The larger the ratio
shows the company's improved service. It sometimes guarantees that valued creditors are about
to purchase more common stocks. Some ratios are responsible for generating productivity in a
sector, such as: —
I. Interest Income to Expense ratio.
II. Operating Expense to asset ratio.
III. Operating Income to Asset Ratio.
IV. Operating Expense to Revenue Ratio.
3.1.4 Profitability Ratio:
The ratio calculates the willingness of the company to subtract all expenses in the form of
residual earnings. In terms of its overall operational activities, each organization needs to make
the greater profit. It will demonstrate the potential for an investment to an organization about to
take a decision. New investors for a business may opt to have an investment by the ratio. There
are certain ratios that are known as ratios of profitability. Below are those given:
I. Return on assets.
II. Return on equity.
III. Interest Spread.
IV. Net Interest Margin.
V. Operating Profit Margin.
3.1.5 Credit Risk Ratio
The ratio relates to the possibility of return of loaned money. If the respected debt sum does not
yield interest, it is more likely to default. That will be considered as a non-performing credit by
the end of the day. The equation was used in two ways.

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3.2 Common Size Analysis
Popular size or vertical analysis is a way of measuring monetary figures by expressing, in an
economic announcement, each object as a percentage of the base sum over an equivalent span of
time. On the equilibrium sheet or its profits statement, a corporation may use this report. A
balance sheet summarizes the assets of the company (things it owns that have value), the
obligations suggest the sums it owes to others, and its fairness implies that the company is
funded by an investor. A benefit assertion indicates that the profits of the organization means the
amount of cash it earns from marketing its goods and services, and its prices reflect the amount
of cash it pays to gain its income.

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 Chapter – 04

Performance Analysis

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4.1 Ratio Analysis of the Bank
4.1.1 Liquidity Ratio
Year 201 201 201 201 201
Cash Ratio 5
0.01 6
0.01 7
0.01 8
0.01 09
Cash to Asset Ratio 0.08 0.07 0.07 0.06 0.07
Cash to Deposit Ratio 0.1 0.09 0.09 0.07 0.08
Loan to Total Asset Ratio 0.87 0.56 0.87 0.67 0.66
Loan to Total Deposit Ratio 0.08 0.56 0.77 0.99 0.33

Liquidity Ratio
1.2

0.8

0.6

0.4

0.2

0
Cash Ratio Cash to Asset Cash to Deposit Loan to Total Loan to Total
Ratio Ratio Asset Ratio Deposit Ratio

2015 2016 2017 2018 2019

Interpretation: Using deposit against their cash in hand, the cash ratio of Rupali Bank Limited
is higher. The ratio of cash to assets has fluctuated a fair bit over the years. It was the range of
(0.06 - 0.08). In consideration of funds, the bank could use their cash. In 2015, the cash to
deposit ratio was good, but because of the deposit, the time series has declined (0.10 to 0.07).
The loan to total asset ratio indicates better fluctuations between 2015 and 2019. The loan to
overall deposit ratio increased from 2017 to 2018 and declined from 2019 to 2017, but increased
from 2015 to 2017.

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4.1.2 Asset Activity Ratio
Year 2015 2016 2017 2018 2019
Total Asset Turnover 3.26 3.19 3.14 2.58 2.23
Fixed Asset Turnover 85.53 91.25 97.87 93.64 83.08

Asset Activity Ratio

120

100

80

60

40

20

0
2015 2016 2017 2018 2019

Total Asset Turnover Fixed Asset Turnover

Interpretation: Total Asset turnover indicates that interest income of banks is smaller than total
assets. Since 2016, the rate in 2019 was from 3.19 to 2.23 and the rate in 2015 was high at 3.26.
The turnover of fixed assets has been fluctuating from 2015 to 2019. It was 85.53 in 2015 due to
interest income being a little less than fixed asset, but the gap was reduced from 2016 to 2018
and interest income return rose against fixed asset. It's the fixed asset turnover over years that
indicates improved efficiency.

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4.1.3 Efficiency Ratio
Year 201 201 201 201 201
Interest Income to Expense 5- 6- 7- 8- 9-
Operating Expense to Asset 0.03
0.01 0.03
0.01 0.01
0.01 0.04
0.02 0.03
0.02
Operating Income to Asset 0.34 0.91 0.84 0.35 0.96
Operating Expense to Revenue 17 6.57 7 15.7 5

Efficiency Ratio
18
16
14
12
10
8
6
4
2
0
2015 2016 2017 2018 2019
-2

Interest Income to Expense Operating Expense to Asset

Operating Income to Asset Operating Expense to Revenue

Interpretation: From 2015 to 2019, the interest income on expenditure is estimated. Asset  to
operating expenses indicate a favorable outcome in favor of the bank. Compared to net assets,
the bank will be able to operate its operations with low operating expenses. Over the years,
operating revenue for investments has fluctuated a little bit. The bank will be able to sustain its
net asset operating revenue. The high efficiency ratio of 17 in 2013 and lower is 5 in 2019,
reflecting operational cost to sales. And in 2018, the same size declined from 2015 from 2016 to
2017.

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4.1.4 Profitability Ratio
Year 2015 2016 2017 2018 2019
Return on Asset (ROA) 0.45 0.68% 0.06% 0.14 0.58%
Return on Equity (ROE) %
9.89 11.05 0.99% %
2.18 10.63
Interest Spread %
1.25 %
2.24% 2.78% %
2.30 %
1.92%
Net Interest Margin %
0.95 1.66% 1.93% %
1.94 2.30%
Operating Profit Marg %
5.53 13.20 12.47 %
5.99 16.08
% % % % %

Profitability Ratio
18.00%
16.00%
14.00%
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
2015 2016 2017 2018 2019

Return on Asset Return on Equity Interest Spread

Net Interest Margin Operating Profit Marg

Interpretation: The return on assets has fluctuated a little bit over the year and indicates the
2015 to 3019 slam paces. There was a positive stream of bank return on equity from 2015, 2016
and 2019. The ratio was lowered by 0.99 percent to 2.18 percent in 2017 to 2018, but improved
dramatically in 2019. The interest distribution shows a normal rate after the years, but poorer
performance in 2015 and better performance in 2017. There was a strong development from
2015 to 2019 in the net interest margin. The operating profit margin shows a better fluctuation
between 2015 and 2019 and is very high in 2019.

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4.1.5 Credit Risk Ratio
Year 2015 2016 2017 2018 2019
Equity to Total Assets 5.86% 6.37% 5.68% 5.61% 19.50
Equity to Net Loan 14.56 17.65 16.85 17.52 %
57.20
% % % % %

Credit Risk Ratio

70.00%

60.00%

50.00%

40.00%

30.00%

20.00%

10.00%

0.00%
2015 2016 2017 2018 2019

Equity to Total Assets Equity to Net Loan

Interpretation: The equity to total assets ratio of the Rupali Bank Ltd is indicating percentage
of equity in total asset. In 2015 it was good but next some years it has increased a little bit.
Consequently, in 2019, it was closer to the next two years predicted. A percentage of equity in a
100 percent loan balance is the equity to net loan ratio. In 2015, it was a good slide and then it
grew positively until 2019.

4.1.6 Other Ratios

Year 2015 2016 2017 2018 2019
Cost to income Ratio 80.08 60.16 61.89 94.01 83.92
Return on Investment %
7.38% %
7.80% %
7.50% %
7.06% %
7.29%
Capital Adequacy Ratio 7.59% 12.24 10.08 10.33 10.35
Credit Deposit Ratio 50.07 %
43.39 %
39.99 %
37.28 %
39.78
Cost to Deposit Ratio %
6.33% %
6.23% %
5.57% %
4.84% %
4.09%
Yield on Loan & Advanced 7.58% 7.88% 8.78% 7.14% 6.85%

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 Other Ratios
100.00%
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Cost to Return on Capital Credit Cost to Yield on Loan
income Ratio Investment Adequacy Deposit Deposit & Advanced
Ratio Ratio Ratio

2015 2016 2017 2018 2019

Interpretation: We obtained from this graph that the cost to income ratio has fluctuated over the
years. In 2018, the higher percentage is 94.01 percent and in 2016, 60.16 percent lower. The
return on investment indicates the most comparable pattern from 2015 to 2019, but the bank
could improve the investment sector's financial competitiveness. The capital adequacy ratio from
2015 to 2019 indicates better fluctuations. The credit deposit ratio indicates stronger creditors'
deposits. So, it's high time for this feature to make a profit. The cost to deposit ratio dropped
from 2015 to 2019 (6.33 percent to 4.09 percent). Rupali Bank Ltd.’s loan and advanced return
could match its return after years.

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 Chapter 5
Findings, Recommendation and Conclusion

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5.1 Major Findings:
1. Liquidity ratio indicates the firm’s ability to meet up its immediate demand in cash.
Cash ratio of the bank has been decreasing from 2015 to 2019 that means has facing
cash crisis in 2019.
2. Loan to total asset ratio of the bank in 2015 & 2017 was high that indicates the bank
has loan default risk because the higher the ratio, the lower the liquidity of the bank.
On the other hand, in 2016 it so low. But it has a little fluctuated between 2018 and
2019.
3. Loan to total deposit ratio showing that in 2015 the ratio was 0.08 which is co-
putatively too low than next four years. Al the same times, in 2018 it was 0.99 whereas
in 2019 it was 0.33. It means the bank could not able to make profit as much as it
expected.

4. Operating expense to asset showing it was high in 2015, 2018 and 2019 in comparison
to total asset which indicate a bad operating of the bank.
5. Operating expense to revenue of the bank in 2015 & 2018 was so high which
indicating the higher expense in respect to its operating income.
6. Return on asset showing a diminishing trend 2015 to 2019. Among the rates in 2017 it
was 0.06% which indicates that the bank has got a return of 0.06% by using its
100% asset. Return on equity of the bank indicating a slum in 2017 and 2018. ROE in
2017 and 2018 were respectively 0.99% and 2.18%.
7. Cost to income ratio showing a negative trend from 2015 to 2019 expect 2016 and
2017. Cost of deposit of the bank was high in 2015, 2016 and 2017 respectively
6.33%, 6.23% and 5.57% which was bad compare to last two years.

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5.2 Recommendations
1. Cash ratio of the bank has been decreasing from 2015 to 2019 that means facing cash
crisis in 2019. So, the bank should increase its cash ratio to solve liquidity crisis.
2. Loan to asset ratio of the bank in 2015 and 2017 was high that indicates the bank has
loan default risk because the higher the ratio, the lower the liquidity of the bank. In
2016 is very low but it has little fluctuated 2018 & 2019.In that case the bank should
decrease its loan amount with the balance of total asset.
3. Loan to deposit ratio showing that in 2015 the ratio was 0.08 which is comparatively
too low than next four years. At the same time, in 2018 it was 0.99 whereas in 2019
it was 0.33. So, the bank should increase its loan amount as well as deposit to increase
its profit.

4. Operating expense to asset showing it was high in 2015, 2018 and 2019 in comparison
to total asset which indicate a bad operation of the bank. In that case the bank
should be strategic capital expenditure.
5. Operating expense to revenue of the bank in 2015 and 2018 was so high which
indicating the higher expense in respect to its operating income. The bank should be
careful of its generative operation to reduce its operating expense.
6. Return on asset showing a slow positive trend of return from 2015 to 2019. So, the
bank should pace up its productivity. Return on equity showing a low return. So, the
should be careful about it to increase ROA and ROE.
7. Cost to income ratio showing a negative trend from 2015 to 2019 except 2016 and
2017. Cost of deposit of the bank was high in 2015, 2016 and 2017 respectively
6.33%, 6.23% and 5.57% which was bad compare to last two years. So, the bank
should positive to make their expense.

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5.3 Conclusion
It has a number of routine roles as a commercial bank, such as various commercial banks.
Without those, the financial institution makes a wonderful contribution to preserving the
community of local financial problems worldwide in experienced banking. The clearing housing
function on behalf of the Bangladesh bank is an amazing responsibility that is carried out with
the assistance of the financial institution. The bank is well placed in the market and can balance
shareholder expectations with its core strengths and, as a result, increase its wealth through moral
banking and great pricing in the future. So, the justification for earnings technology such as a
private sector bank is no longer Rupali Bank Limited's remaining intent, but to provide a better
product for the country's economic improvement. In lieu of making an effort to do better in
certain variables. From time to time, Rupali Bank Limited has faced several monetary problems.
Some of the issues were mild terrible loans, credit and advance shortage, adequate deposits,
finger money scarcity due to vault restriction, etc. These challenges are triggered by economic
slowdown, interest rate volatility, rising stock markets, and money market inflation. The helping
hand of government is crucial for this, and it is expected that government will extend its hand to
implement the suggestions for the welfare of Bangladeshi citizens.

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