Performance Evaluation of
One Bank Limited
East West University
“Performance Evaluation of One Bank Limited”
Course Title: Financial Institutions & Markets
Course Code: FIN 523
Section: 01
Semester: Fall 2021
Submitted to:
Mohammed Sohail Mustafa, CFA
Assistant Professor
Department of Business Administration
East West University
Submitted by:
Name
ID
Auditi Baidya
2019-1-95-058
Nazneen Sultana Shuchi
2020-1-95-093
Tahiya Tahmid
2020-3-91-013
Marufa Akter
2020-3-91-018
Md.Tasbir–Ul-Alam
2021-1-95-060
Date of Submission: 10th January, 2022
LETTER OF TRANSMITTAL
10th January, 2022
To
Mohammad Sohail Mustafa, CFA
Department of Business Administration
East West University
Dhaka-1212
Subject: Submission of the Group Assignment on “Performance Evaluation of One
Bank Limited ”
Dear Sir,
It is our pleasure to submit this assignment entitled “Performance Evaluation of One Bank
Limited” which was assigned to us as a partial fulfillment of ‘Financial Institutions &
Markets’ course requirements.
We have tried our level best to make an enriched assignment and now we’re glad to submit
you this for better judgment. The writing of this assignment was a great experience as it
provided us with exposure to the real-life experience.
Thank you for your guidance and constant supervision to fulfill this assignment. If you
need further clarification, please let us know.
Sincerely,
Name
ID
Auditi Baidya
2019-1-95-058
Nazneen Sultana Shuchi
2020-1-95-093
Tahiya Tahmid
2020-3-91-013
Marufa Akter
2020-3-91-018
Md.Tasbir-Ul-Alam
2021-1-95-060
Acknowledgement
Firstly, we are grateful to Almighty who gives us the sound mind & sound health to
accomplish this group assignment on Performance Evaluation of One Bank Limited.” We
would like to express our utmost gratitude and wholehearted appreciation to all those who
helped us and provided us with the opportunity to complete and present this enriched
assignment.
Furthermore, we would like to thank our honorable faculty, Mohammad Sohail Mustafa,
Adjunct Faculty, Department of MBA & EMBA Program, East West University for
providing us with the opportunity to observe and analyze such an interesting topic and for
her supervision, relentless guidance and invaluable advice whenever needed.
Finally, we pray the long life and good health for all the persons who have helped and co-
operated us in our assignment.
Table of Contents
Executive Summary ………………………………………………………………………………………………….1
Chapter 1 ……………………………………………………………………………………………………………….2
1.1 Introduction ………………………………………………………………………………………………….2
1.2 Background of the study ………………………………………………………………………………….2
1.3 Origin of the report ………………………………………………………………………………………..3
1.4 Objective of the Report: …………………………..……………………………………………………..3
1.5 Sources of data: ……………………………………………………………………………………………..3
Chapter 2 ……………………………………………………………………………………………………………….4
A. Performance Evaluation Criteria 1: Strength & Soundness of One Bank ………………………….4
PEC 1- Indicator 1: Capital Adequacy Ratio: ………………………………………………………….4
PEC 1- Indicator 2: NPL to Equity Ratio:……………………………………………………………….6
PEC 1- Indicator 3: Liquid Assets to Short term Liabilities: ………………………………………7
PEC 1- Indicator 4: Borrowing liability to Total Liability ………………………………………….8
PEC 1- Indicator 5: Advance Deposit Ratio: ……………………………………………………………9
B. Performance Evaluation Criteria 2: Size and Growth ………………………………………………… 10
PEC 2: Indicator 1- Number of Deposit Account: ………………………………………………….. 10
PEC 2: Indicator 2: Number of Branch: ………………………………………………………………. 11
PEC 2: Indicator 3– Total Revenue: ………………………………………………………………………… 12
PEC-2: Indicator 4- Total Asset ………………………………………………………………………….. 13
PEC-2: Indicator 5- Total Deposit Growth ……………………………………………………………….. 14
PEC-2: Indicator 6- Total Advance growth ………………………………………………………………. 14
PEC-2: Indicator 7- Net Profit Growth …………………………………………………………………….. 16
PEC-2: Indicator 8- Net Interest Income Growth ………………………………………………………. 17
C. Performance Evaluation Criteria 3: Profitability and Efficiency ……………………………………. 18
PEC 3-Indicator 1: Return on Asset …………………………………………………………………….. 18
PEC 3-Indicator 2: Return on Equity ………………………………………………………………….. 19
PEC 3-Indicator 3: Total Expense to Total Revenue ………………………………………………. 20
PEC 3-Indicator 4: Profit per Employee ………………………………………………………………. 21
D. Performance Evaluation Criteria 4: Asset Quality of ONE Bank Ltd. …………………………….. 22
PEC 4- Indicator 1– Growth in Gross NPL: ………………………………………………………………… 23
PEC 4 -Indicator 2– Gross NPL to Total Advances ………………………………………………………. 24
PEC 4-Indicator 3– Credit Concentrations by Loan: ……………………………………………………. 25
PEC 4-Indicator 4– Credit Concentration by Division: …………………………………………………. 26
E. Performance Evaluation Criteria 5: Inclusive and Online Banking ………………………………… 27
PEC 5 – Indicator 1: Rural Bank Branch to Total Branch: ……………………………………… 27
PEC 5 – Indicator 2: Micro and Small Credit to Total Loans: ………………………………….. 28
PEC 5 – Indicator 3: Agricultural Credit to Total Loans …………………………………………. 30
PEC 5 – Indicator 4– CSR Expense to Total Asset: …………………………………………………. 31
PEC 5 – Indicator 5: Number of ATM Booth: …………………………………………………………….. 32
PEC 5 – Indicator 6: Number of Any Branch Bank to Total Bank: …………………………... 34
Findings ………………………………………………………………………………………………………………. 35
Recommendations ………………………………………………………………………………………………… 36
Conclusion …………………………………………………………………………………………………………… 37
Bibliography ………………………………………………………………………………………………………… 38
List of Table
Table 1: Capital Adequacy Ratio ……………………………………………………………………………. 5
Table 2: NPL to Equity Ratio ………………………………………………………………………………… 6
Table 3: Liquid Assets to Short term Liabilities ……………………………………………………….. 7
Table 4: Borrowing liability to Total Liability …………………………………………………………. 8
Table 5: Advance Deposit Ratio …………………………………………………………………………….. 9
Table 6: Number of Deposit Account ……………………………………………………………………. 10
Table 7: Number of Branch …………………………………………………………………………………. 11
Table 8: Total Revenue ……………………………………………………………………………………….. 12
Table 9: Total Asset ……………………………………………………………………………………………. 13
Table 10: Total Deposit Growth …………………………………………………………………………… 14
Table 11: Total Advance Growth …………………………………………………………………………. 15
Table 12: Net Profit Growth ………………………………………………………………………………… 16
Table 13: Net Interest Income growth …………………………………………………………………… 17