EXECUTIVE SUMMARY

This report aims toward providing an overview on the profitability of Dhaka Bank Limited.
The report is prepared within the broader framework of Internship Program of the
Department of Business Administration, Leading University, Sylhet.
This report is prepared using quantitative data collected from annual statement of Dhaka
Bank Limited to identify the factors and analyze degree of impact of those factors that might
affect financial performance of commercial banks. While preparing this report efforts have
been made to provide an in depth analysis on the General Banking system in the light of the
theoretical aspects. At the same time for easier understanding of the report, supporting topics
and terms are explained in light of textbooks and regulatory guidelines. And a few
recommendations and suggestions were also prescribed based on the observation and
findings.
The overall profitability of Dhaka bank was not satisfactory in the last 5 years due to several
ratios that are not in favourable position. Though some profitability ratio trends are showing a
positive trend but the performance is not so good in comparison with banks that are
performing well. The year 2012, was the worst in terms of profitability because of the
financial crisis of Bangladesh. The financial market of Bangladesh was unstable in 2012 and
the impacts of this worst period are impacted on the Banks performance. Beside these the
cost incurred by the Dhaka Bank for getting profit is also increasing every year which also
impacted the overall profitability.

Objectives
The objective of the report can be viewed in two forms:
Primary Objective

 Specific Objective
Primary Objective
The primary or main objective of the study is to analyze the profitability of Dhaka Bank
Limited of the last five years.(2009-2013)
Specific Objective
Specific objectives are
To provide a brief overview of Dhaka Bank and their historical background.
To recommend the policy for maintaining stable growth rate of financial performance and
thus maintaining the overall profitability.
Methodology:
The methodology of this report is quantitative in nature. I used quantitative method of
research and document review technique for preparing this report. Data required for this
report were collected from the annual report of Dhaka Bank Limited. Apart from these,
helpful information was collected from online resources. To analyze the profitability analysis
of Dhaka bank limited different statistical and financial tools such as ratio analysis, growth
analysis and correlation analysis were done.
Sources of Data:
Only secondary sources of data have been collected for preparing this report. I mainly used
several annual report of Dhaka Bank Limited that was provided by my respective branch
(Laldighirpar Branch). I used journals, brochures, manuals and several books on Finance and
Banking to prepare this report. I have used 5 years data of selected bank.
The Secondary Sources are:

Relevant paper and publications

Annual reports of Dhaka Bank Ltd.

Relevant websites, Books, Journals, Periodicals, News Papers etc.

Data Analysis Technique:

The data of this report is collected by document review technique. The data of this report is
mainly quantitative data collected from the financial statement of the Dhaka Bank Limited. I
use time series data and correlation and regression techniques to analyze the data and use
graphical representation to clarify the report.