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LIMITATIONS
Our major limitations on writing this report were knowledge and competence on the subject matter. Another limitation is that we did not compare this banks performance with other banks in the economy; so analysis is not all-inclusive. However, we tried hard to do best whatever we have done. This report will mainly consider financial accounting and the ratio analysis of Dhaka Bank Limited. It will not cover the human resource or managerial site of the bank. This report will also not cover the recruitment section or chain of command or anything that related to the management or human resource. This report only deals with the financing and the investing site of the Dhaka Bank Limited.

METHODOLOGY
The Primary sources of information in this report are market study and instructor advice and direction according to the annual report of Dhaka Bank Limited. The secondary sources of are internet, library archive of BBA and the accounting book.

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FINDING & INTERPRETATION

The income statement of Dhaka Bank Limited for the fiscal year 2011 and 2010 are given below.

Dhaka Bank Limited

Income Statement
Interest Income Interest Expense Net Interest Income Non Interest Income Non Interest Expense Net Non Interest Income Profit before Tax Provision for loan Provision for tax Profit after tax 2010 BDT. 'mn 7405 4944 2461 3095 1715 1380 3841 924 1239 1679 2011 BDT. 'mn 9945 7611 2335 3893 1907 1986 4321 667 1489 2165 Growth % 34 54 -5 26 11 44 13 -28 20 29

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The Balance Sheet of Dhaka Bank Limited for the fiscal year 2011 and 2010 are given below.

Dhaka Bank Limited

Balance Sheet
Property & Assets Cash Balance With Banks & Institution Money At call & Short Notice Investments Loans & Advances Premises & fixed Assets Other Assets Non-Banking Assets Total Assets 2011 (BDT) 9510508375 3341322299 19400000 10544416526 75983291662 1721436551 3893672379 23166033 105037213825 2010 (BDT) 8769479993 4839359461 109600000 8441807611 63591387406 977385392 3387294364 23166033 90139480260

Liabilities & Capital Borrowings Deposits & Other Accounts Non Convertible Subordinated Bond Other Liabilities Total Liabilities Total Shareholders Equity Total Liabilities & Shareholders Equity 2548239587 85276888686 2000000000 5918288673 95743416946 9293796879 105037213825 4365638395 70420380740 2000000000 6773731737 83559750872 90139480260 90139480260

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Ratio Analysis of Dhaka Bank Limited from 2005 to 2010 is given below.

Ratio Analysis
ROE ROAE ROAA NIM Fee Income Income Ratio Average Assets Loan Growth Asset Growth Deposits Assets Deposits / Liabilities Equity / Assets NPL Ratio NPL Coverage Cost / Branch Rev. / Employee Personal Cost / Average Assets

2005 20.90% 20.90% 1.40% 2.43% 50.00% 39.90% 1.80% 0.70% 1.30% 82.20% 70.70% 92.20% 6.70% 1.50% 140.00% 20.50% 2.20% 0.90%

2006 22.30% 23.90% 1.41% 2.54% 53.00% 43.10% 2.20% 22.80% 43.90% 69.10% 60.30% 92.30% 5.40% 1.93% 98.20% 24.00% 2.60% 1.00%

2007 22.50% 24.80% 1.34% 3.19% 50.00% 36.60% 2.21% 28.90% 20.70% 75.90% 64.40% 89.70% 5.40% 3.40% 71.90% 28.30% 3.80% 1.00%

2008 21.30% 24.20% 1.34% 2.66% 56.00% 36.40% 2.08% 23.70% 28.10% 76.00% 62.20% 86.70% 5.60% 4.51% 77.00% 31.00% 4.30% 0.90%

2009 20.30% 22.60% 1.27% 2.32% 59.00% 36.00% 1.96% 25.60% 25.20% 74.90% 62.40% 88.30% 5.60% 4.69% 88.50% 33.10% 4.60% 0.80%

2010 20.60% 23.00% 1.31% 2.06% 62.00% 36.80% 1.89% 23.60% 23.20% 74.40% 62.60% 89.30% 5.80% 4.43% 97.20% 35.90% 4.90% 0.80%

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The result summary of Dhaka Bank Limited for the fiscal year 2011 and 2010 are given below.

Result Summary
Amount (Taka in crore) Return on assets & equity Return on Assets (%) Return on Equity (%) Non-performing Loan (NPL) Ratio 2011 2.22% 23.49% 3.45% 2010 2% 25.52% 4.57%

Capital Adequacy Tier-I Capital Ratio Total Capital Ratio

2011 7.54% 10.70%

2010 6.89% 10.09%

Total Eligible Regulatory Capital Tier-1 Capital Tier-2 Capital Total

2011 847.83 355.15 1202.98

2010 612.34 283.91 896.25

Capital Adequacy Ratio Tier-1 capital to RWA Tier-2 capital to RWA Total 7.54% 3.16% 10.70% 6.89% 3.20% 10.09%

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RECOMMENDATIONS

The prime objectives of the world well-known and reputed banking organizations are to making of profit through addressing the customers time to time with new pieces of service mechanisms. However, my small knowledge earned through this curriculum took me to clients changeable demands. According to my findings I can provide the subsequent recommendationsCapital Market Operation besides investment in Treasury Bills, Prize Bonds and other Government Securities constitute the investment basket of Dhaka Bank Limited. Interest rate cut on bank deposits and government savings instruments has contributed to significant surge on the stock markets in the second half of 2004, which creates opportunities for the Bank in terms of capital market operations. The Bank is a member of Dhaka Stock Exchange Limited and Chittagong Stock Exchange Limited. The investment portfolio of the Bank made up of Government Securities and Shares and Debentures of different listed companies stood at Tk. 3,078 million as of December 31, 2004 indexing a 50% increase over Tk. 2,046 million in the previous year. Income from investment stood at Tk. 146 million in 2004 registering a 10% growth over the previous year.