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1
United Commercial Bank Limited
Prepared For
Abdullah Al Yousuf Khan
Course Instructor
FIN-402
Bank Management & Financial Services
Prepared by
Group-
Section- D
Members Name
ID
Program
Md. Yousuf Hossain
11302151
BBA
Md. Yasin
11302092
BBA
Mohammad Kamrul
Islam
11202179
BBA
Amatullah Nadira
11302064
BBA
Rano Akter
11302001
BBA
Aklima Akhter
11302065
BBA
Sharmin Sultana
11302030
BBA
Submission Date:
IUBAT- International University of Business Agriculture and Technology
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Letter of Transmittal
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Abdulla Al Yousuf Khan
Faculty
Department of College of Business Administration (CBA)
IUBAT – International University of Business Agriculture & Technology
4 Embankment Drive Road, Sector 10
Uttara Model Town, Dhaka -1230
Subject: Application for accepting this Report.
Dear Sir,
It is a great pleasure for us to submit our Financial Analysis–UCB. We have prepared this
Financial Analysis, as partial fulfillment of the course FIN 402–Bank Management &
Financial Services.
We have tried our level best to prepare this Financial Analysis to the required standard. It
was certainly a great opportunity for us to make this Financial Analysis to actualize our
theoretical knowledge in the practical arena.
We express our heart full gratitude to you to go through this Financial Analysis and make your
valuable comments. It would be very kind of you, if you please evaluate our performance
regarding this Financial Analysis.
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We would like to declare that we have completed our new financial plan on UCBL and prepared
this report which is entitled as “United Commercial Bank Limited” to fulfill the partial
requirements of Bachelors of Business Administration (BBA).
Md.Yousuf Hossain 11302151 BBA _________________________
Md. Yasin 11302092 BBA __________________________
Md. Kamrul Islam 11202179 BBA ______________________
Amatullah Nadira 11302064 BBA___________________________
Aklima Akter 11302065 BBA ____________________________
Rano Akter 11302001 BBA ____________________________
Sharmin Sultana 11302030 BBA ____________________________
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Acknowledgements
At first we desire to express our deepest sense of gratitude to Almighty Allah.
With profound regard we gratefully acknowledge our respected course instructor Abdullah Al
Yousuf Khan faculty of College of Business Administration (CBA) for his generous help and
day to day suggestion during preparation of this report.
Finally, we would like to give thanks especially to our friends for their enthusiastic
encouragements and helps by sharing ideas regarding this topic and for their assistance in typing
during the preparation of this report.
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Table of Contents
Topics Page No.
Prefatory parts:
Title Page 1
Letter of Transmittal 2
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Acknowledgement 4
Table of contents 5
Executive summary 6
Parts:1
Introduction 7
Objective 7
Mission 8
Vision 8
Core values 8
Board of Directors and it committees 9
Five years financial summary 10-11
Graphical review 12
Parts :2
UCB product profile 13
Loan Analysis 14-25
Saving Analysis 26-27
Balance sheet 28
Off balance Sheet Item 29
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Profit &loss account 30
Ratio Analysis 31
Executive summary
Introduction
UCB has aimed at its core to be a Bank for financial inclusion and in this connection, we opened
10 new branches in 2011 extending network to 115 branches, including AD Branches 25 and 02
Agri, branches. The Bank has 77 ATMs around the country. The Bank is offering full fledged
mobile banking titled `UCB Mobile Money’ through 320 outlets across the country.
The Bank achieved desired objectives regarding Human Resources including preparation of
comprehensive HR Manual, streamlining recruitment, transfer, posting, and promotion Process,
linking rewards to performance, rationalization of corporate hierarchy, and review of
organgram. We recruited fresh as well as experienced bankers with specific skills set after
conducting gap analysis in departments and branches. We also adopted cluster management
