Académique Documents
Professionnel Documents
Culture Documents
United Commercial Bank is one of the largest Banks in Bangladesh. Day by day UCBL
has become a giant in the banking sector. United Commercial Bank has two main
divisions of operation-Corporate and General/Consumer Banking. General banking deals
with retail banking services to customers. Banks perform this function in two ways-1
.taking deposits from various areas in different forms.2 1ending that accumulated amount
of money to the potential investors in other different forms.
Financial Institutions have historically have been distinguished by the types of services
they provide. In recent years Financial Institutions have diversified their services by
creating new subsidiaries that perform additional services or by merging with other types
of financial institutions. The result has been the creation of financial conglomerates,
composed of various units offering specialized services. Diversification also offers
benefits to financial institutions.
United Commercial Bank is the largest local commercial bank operating in Bangladesh.
They have a huge customer base that is ever growing. United Commercial Bank is mainly
providing two types of service.
Consumer financial services include account opening, card services, loan facilities, and so
on. General Banking is one of the parts of customer financial service. General banking
consists of account opening for various types of deposit and saving scheme, card issue,
cheque book issue, receiving foreign remittance, and such which will be discussed on the
following chapters.
This report is based on finding out their way to satisfy the consumer as well as how
UCBL is financially performing. My overall objective of UCBL financial statement
Analysis is the examination of financial position and returns in relation to risk. This must
be done with a view to forecasting the firm & future prospective. At the end part of the
report I have stated some recommendations, which I hope will be helpful for ban to
recover all the weaknesses.
The United Commercial Bank Limited is a one of the largest private commercial bank in
Bangladesh. The bank has played a pivotal role in creating, nourishing and establishing
leading entrepreneurs of the country and they have significant role in economically strong
Bangladesh. UCB offer a wide range of Banking products and financial service to
corporate, SME customer through variety of delivery channel and through its subsidiaries
company. And the banks help business owners manage their accounts, including checking,
savings and loans. The sources of funds in commercial banks are varied.
United Commercial Bank Ltd. has passed a successful year of 2015 performing a remarkable
achievement in term of profitability, business growth, new business initiatives and
implementation. The year 2014 and 2015 was an historic year for UCB as the Bank has
successfully implemented world renowned core banking solution i.e. Oracle Flex-cube
Universal Banking Solution in its 158 branches including Head Office and Off-shore Banking
Unit. Considering the economic scenario of 2015, the bank moved for balanced expansion of
its businesses and also concentrated on strategic business decision, reform and restructuring
the processes and policies.
As a result of which, the bank has impressive growth in its profitability with high quality of
assets. The management focuses on the right decision at the right time which has ultimately
maximized the bottom line of operating results.
The main objective of the study is to know the Business Review and Performance Evaluation
of United Commercial Bank Ltd. The related specific objectives are as follows:
To know an overview of UCB;
To observe the business review of UCB of Bangladesh;
To analyze the financial performance of UCB of Bangladesh;
To study the factors which lead to evaluate current financial performance; and
To suggest some recommendations on the basis of the study results and to improve
further financial performance of UCB.
1.5- SCOPE
There is a lot of scope to come up with detailed segmental analysis and review of Business as
well as financial performance of United Commercial Bank Ltd. As instructed by the faculty,
here focus will be placed on the theory as well as table & graphs and how they are practiced
will be observed by investigating the practice of performance evaluation of United
Commercial Bank Ltd. In this regard, information has been collected from the employees
working in the bank, as they have experienced about the companys performance. Moreover,
the scope of this paper is limited to the organizational structure, background, objectives,
functions and investment performance of UCBL as a whole. The scope is also limited to
different investment schemes, modes, mechanism, investment proposal, appraisal procedures,
monitoring and documentation of UCBL.
Internship gives the students to achieve the practical knowledge of business. So it is easy to
say that the importance of internship is knows no bounds. But while the internship program is
going on, I have faced some problems. The limitations of such activities are given below:
Ratio analysis is one of the techniques of financial analysis to evaluate the financial condition
and performance of a business concern. Simply, ratio means the comparison of one figure to
other relevant figure or figures. According to Myers, Ratio analysis of financial statements
is a study of relationship among various financial factors in an organization as disclosed by a
single set of statements and a study of trend of these factors as shown in a series of
statements.
There are various groups of people who are interested in analysis of financial position of an
organization. So, using the ratio analysis to work out a particular financial characteristic of
the UCB Bank Ltd. Ratio analysis helps the various groups in the following manner:
Accounting ratio help to measure the profitability of the UCB bank by calculating the various
profitability ratios. It helps to know me about the earning capacity of the organization
concern. In this way profitability ratios show the actual performance of the UCB Bank Ltd.
UCB Bank Ltd has the profit margin and returns are good. No major change the profitability
ratios. The Bank has more profitability margin as compare to previous year.
With the help of solvency ratios, solvency of the Bank can be measured. These ratios show
the relationship between the liabilities and assets. In Case External liabilities are more than
that of the assets of the bank; it shows the unsound position of the organization. But the UCB
Bank financial position is good in last year.
United Commercial Bank Limited (UCB) is a public limited company incorporated on June
26, 1983 and started its business operations from June 27, 1983 onwards. On November 30 in
the year 1986, UCBL got enlisted at Dhaka Stock Exchange (DSE) and many years later, on
15th of November in the year of 1995, UCBL got enlisted at Chittagong Stock Exchange
(CSE). The total authorized capital of UCB is TK 15,000 million and possesses a paid up
capital of TK 10,039.34 million. UCB has a total manpower of 3,837 on an average. Out of
total 158 branches, UCB has 28 AD branches, 2 Agricultural branches. In addition, UCB has
151 ATM booths all around the country.
Along with off-shore banking unit, mobile finance service (UCash), Priority banking (UCB
Imperial), renitence service, credit card service with dedicated human capital of 3,837 the
bank has already made a distinct mark in the realm of private sector banking through
boutique service, innovative practices, dynamic problem solving approach and efficient
Management. The Bank has very special focus on import-Export, agriculture, SME sector
and retail business with a view to lead in nationwide financial inclusion and green banking
2.3- MANAGEMENT
The Bank has in its Management a combination of highly skilled and eminent bankers of the
country of varied experience and expertise successfully led by Mr. Muhammed Ali, a prolific
and dynamic Leader, as CEO, Mr. Ali has always cherished the sustainable growth as a team
person and believe in the amalgamation of economic and social selection which come as
people, planet and profit growth and progress of the institution. Skilled manpower is the most
important strategic resources of any organization. With this end in view, human resources
development has always been receiving highest priority in the bank.
UCB has a strong focus on imparting training towards enhancement of the skills and
competencies of the employees to take over the challenge of modern banking. Since there is
Vision
To be the bank of first choice through maximizing value for our clients, shareholders &
employees and to contribute to the national economy with social commitments
Mission
To offer financial solutions that create, manage and increase our clients wealth while
improving the quality of life in the communities we serve.
Objectives
Ensure 100% recovery of all advances.
Ensure a satisfied work force.
Make sound loan and investment.
Build up a low cost fund base.
Meet capital adequacy recruitment at all the time.
Focus on fees based income.
Install MIS to monitor banks activities.
Adopt an appropriate management technology.
Strategies
Utilize all available resources to develop various plans and polices.
Procedures in each of the objective and goal areas.
Synchronized and steady growth of the bank.
Implement plans, policies and procedures.
Utilize term of professional employees.
Search for a total customized solution for the purpose of full automation step.
Core Values
We put our customers first
We emphasize on professional ethics
We maintain quality at all levels
We believe in being a responsible corporate citizen
We foster participative management
We say what we believe in
Goals
Develop a plan for offering better customer services
Develop a realistic deposit mobilization plan
Develop appropriate ending risk assessment system
Develop capital plan
Develop a system to make good advance
Develop appropriate management structure, system, procedures and approaches
Develop scientific MIS to monitor banks activities
The Bank has in its Management with a combination of dedicated highly skilled and eminent
bankers of the country of varied experience and expertise successfully led by Mr. Muhammad
Ali. Around 3,837 dedicated employees are working in UCB. The bank is operating its
business by divided into three main segments. These are General Operation Division,
Corporate Banking Division, and International Division. There are five different Deputy
Managing Directors (DMD) supervise the work of these departments. The total work flow of
the level of employees of UCB is as shown by an organ gram of UCB is given bellow.
Functions of UCB
To maintain all types of deposit A/Cs.
Provides loans on easy terms and conditions
It transfers money through Pay Order (PO) , BEFTN, BACH, and RTGS
It assist in Foreign Exchange by issuing Letter of Credit (LC)
To make investment in profitable sectors.
UCB insures the securities of valuable documents of clients
To conduct Off-shore Banking services.
To conduct social welfare activities (CSR).
To work for continues business innovation and improvements.
Like other commercial banks UCB performs all traditional banking business including
introduction of a wide range of saving and credit products, retail banking and subsidiary
service with the support of modern technology and professional management.
UCB
Subsidiaries
UCB is always attentive to give the highest value to their customers. Thats why UCBL is
offering the modern products and banking services to their customers. UCBL is offering the
segmented Products & Services to different level of customers along with their
generalProducts and Services. That is very help-full for UCB to create value for their
customers.
UCB provides all general banking services to its clients through its 158 branches all over the
country. These include savings and current accounts, SMS banking, deposits and schemes.
DPS plus, Earning plus, Multimillionaire, Money maximize, Time deposit scheme, Monthly
saving and Royal savings deposit etc. are some of their deposit services. Clients having
requisite qualifications may have Foreign Currency Deposit accounts in UCBL. UCBL
Multimillionaire scheme is a deposit service providing you a great opportunity of saving a
good amount in a short time. The interest rate is quite high for idle money. There are three
levels in this scheme, namely 1 million, 5 million, and 10 million Taka. A client has to
deposit an amount every month for 5 to 15 years and at the end client get the full amount as
declared. UCBL Money Maximized was a lucrative deposit scheme for limited income
people. This scheme pays 9.10% of interest and the deposit is doubled just in 8 years.
UCB provides different types of debit and credit card facilities. The features of UCB credit
card are as follows:
Truly global: Locally & Internationally transact-able with the same card. This is a dual
product
Higher coverage of acceptance globally in POS terminals & ATMs.
Latest & best quality product at lowest price (annual fee) in the market.
Reward point for spending leads to wining of attractive prizes.
Choice of colors in Classic (Silver) products.
Credit Card for ladies - first time in Bangladesh.
The United Commercial Bank with their financing items under CCS loan is given below:
Household Durable Loan: Motor Cycle, Personal Computer, Photocopier, Fax machine,
Small PABX system, Television, Mobile Phone set, Refrigerator, Audio-video equipment,
Other home electric appliances, Furniture and any other household items.
Financial Reporting: This unit helps to prepare the publicly available consolidated bank
statements and annual report in a precise manner.
Central Bank Reporting: This unit is responsible to make quarterly reports to the central
banks regarding different rules and regulations of Central bank as well as during times of
bank audits.
Business Finance/ Business Intelligence Unit: Business Intelligence Unit of UCB is a
strategic banking unit that monitors industry events and competitor movements on a regular
basis. This unit provides strategic insight into industry coverage of key events. It offers
analysis of key competitor activity and gauges the future impact of current developments.
Accompanying this analysis are insights into new product development activity, industry
trends, marketing, merger and acquisition trends in the financial industry.
Taxation: This unit looks after issues of corporate tax, Value added tax and issues such
employees personal tax.
GL Control, Financial Risk and BASEL II: This unit maintains the General Ledger
account (GL) using the bank software Flex cube. The general ledger (GL) control or controls
selected on this sheet determine the accounts and journal codes used to post transactions to
which the record applies.
IT and IS Finance: The Information Technology (IT) and Information System (IS) unit at
UCB is responsible for developing software such as Financial Solution to make
transactions easier to record and thus more organized.
Payments: This unit is responsible for collecting and paying different types of bank bills
such as other financial benefits for employees in the rank of Assistant Vice President and
above, office contingency bills etc.
Funds: This unit is responsible for the management of funds at United Commercial Bank.
This unit is responsible for the maturity schedules of the deposits coincide with the demand
for loans by managing the asset and liability properly in terms of volume and mix.
Reconciliations: The role and the purpose of the accounting function can be identified 'to
ensure the business's transactions are recorded and processed completely accurately and
securely and that relevant information is given to management.
STRENGTHS:
It is an internal factor. It deals with the organizations own strength. UCBs strengths are:
Usage of Core Banking Software.
Efficient administration.
Corporation with each other.
Fewer default loans.
Membership with SWIFT.
Good banker-customer relationship.
Energetic as well as smart work force.
Well furnished and air conditioned bank which indicates favorable working
conditions for employees.
Not engage in unfair business practice.
Presence of Learning and development center that provides training to its employees.
WEAKNESS:
Weakness is also an internal factor of SWOT analysis. UCBLs weaknesses are:
Existing manual vouchers.
Limited consumer credit scheme.
Enhance of new private banks.
Lack of promotional activities.
OPPORTUNITIES:
Opportunities are external factors which indicate the industrys advantages available for the
bank. They are:
Huge business area.
Introducing different debit and credit card.
Industrys positive growth.
Introducing any branch banking through online.
Flexible credit schemes.
Reliably to local public.
THREATS:
Threats are external factors of SWOT analysis. The threats for UCB are:
Different classic services of foreign banks.
Better developed card division of other private banks.
Uses of modern technologies by the rival banks.
Political unrest and government restricted banking strategies.
The number of rivalry is too high into the banking industry.
Sources of information:-
Both primary and secondary data have been collected for the purpose of the report. The
primary and secondary data sources are as follows:
Primary data
Secondary data
The Bank has set up a Zonal Office at Chittagong to facilitate services to the customers of
the branches located under the Chittagong division. Moreover, the Bank currently has 532
correspondents covering 60 important countries in all the continents of the world which is
continuously expanding to meet the growing cross-border banking needs of the customers.
To provide superior service with respect to pricing and cater the best possible solution to the
customers, UCB has four separate desks in Treasury Division which are:
Foreign Exchange Desk:- FX desk offers full range of FX Derivative products to the
customers which include Spot, Forward and Swap in FCY-BDT and other major cross
currencies. FX Desk makes forecast about future exchange rate movement on a
regular basis and maintains its open position according to its future projection
throughout the year.
Foreign Exchange Income
Year Amount (BDT Crore) Growth
2015 86.01 +8.92%
2014 78.96
Money Market Desk:- Money market desk is involved in management of assets and
liabilities of the Bank. UCB Money Market Desk is one of the most active and
efficient desk in the interbank market.
Money Market & Investment Income
Year Amount (BDT Crore) Growth
2015 50.70 +52.01%
2014 33.35
Fixed income & Security Desk:- UCB Fixed Income & Security Desk is responsible
for investment in various Govt. approved securities like Treasury Bill, Bond,
Bangladesh Bank Bill and other instruments which are qualified for Statutory
Liquidity Requirement (SLR). This desk ensured Banks SLR as per Bangladesh Bank
requirement.
Import 169,577 155,282 117,542 94,843. 90,919. 86,666. 58,857 60,009. 60,329 39,853
.70 .40 .90 80 70 50 .00 00
Export 148,229 130,447 94,288. 78,309. 76,962. 50,712. 38,519 36,500. 27,230 20,803
.30 .20 50 10 80 10 .00 00
Import
200,000.00
150,000.00
100,000.00
50,000.00
0.00
Export
150,000.00
100,000.00
50,000.00
0.00
Foregin Remittance
20,000.00
15,000.00
10,000.00
5,000.00
0.00
Result of
operation Y2015 Y2014 Y2013 Y2012 Y2011 Y2010 Y2009 Y2008 Y2007 Y2006
Interest Income 22,434. 22,361 22,999 21,319 15,352. 9,468.36 6,965. 5,749.2
57 .83 .36 .92 63 32 9 4354 3036
Interest Expense 14,711. 14,430 15,920 14,705 10,203. 5,632.95 4,348. 3,740.7
18 .24 .86 .21 21 23 7 2727 1749
Net interest 7,723.3 7,931. 7,078. 6,614. 5,149.4 3,835.41 2,617. 2,008.5
Income 9 59 50 71 2 09 2 1627 1287
Non-interest 7,824.0 7,279. 5,319. 3,564. 4,146.0 4,017.47 2,574. 2,100.9 1,696. 1,081.
Income 0 00 00 00 0 97 1 00 00
Noninterest 7,145.6 6,489. 5,272. 4,415. 3,321.4 3,120.76 2,066. 1,659.5 1,306. 1,047.
Expenses 6 93 21 44 6 89 4 00 00
Gross Revenue 30,256. 29,639 28,318 24,882 19,497. 13487 9540 7850 6052 4118
19 .63 .44 .87 58
Gross Profit 15,548. 15,209 12,398 10,177 9,294.3 7,853.88 5,192. 4,109.4 3,324. 2,368.
00 .39 .58 .66 7 06 3 00 00
Operating Profit 8,402.3 8,719. 7,126. 5,762. 5,973.0 4,733.12 3,125. 2,449.8 2,017. 1,320.
4 00 00 00 0 17 9 00 00
Earnings before 8,254.7 7,571. 6,413. 4,008. 5,375.3
Interest long, 3 27 71 94 5
debt,& Tax
profit Before 7,252.0 6,836. 5,887. 3,739. 5,173.0 3,632.60 1,514. 1,463.0 1,667. 1,057.
Tax 0 00 00 00 0 86 1 00 00
Profit After Tax 3,977.0 3,669. 3,065. 1,586. 2,946.0 2,182.43 932.9 764.75 815 581
0 00 00 00 0
Balance Sheet:
Authorized 15,000. 15,000 15,000 8,000.0 1,000. 1,000.0
15,000 8,000.00 1,000 1,000
Capital 00 .00 .00 0 00 0
10,039. 8,366. 8,366. 8,366. 7,275.0 1,194.
2,910.00 299 299 230
Paid-up Capital 34 00 00 00 0 00
Shareholders' 25,588. 20,505 18,171 15,966. 5,705. 4,384.2
22,492 7,817.27 3,137 2,322
Equity 82 .00 .00 00 47 4
10,705. 6,024. 6,993. 4,713.
-
Borrowing 57 88 51 33
220,866 211,07 184,89 170,53 139,485 113,071. 77,730 54,485.
42,295 33,015
Deposit .48 2 7.00 1.00 .00 00 .00 00
197,413 174,14 148,66 136,07 115,506 93,460.0 61,692 4,446.0
37,566 26,110
Loan & Advance .64 6 5.00 2.00 .00 0 .00 0
44,345. 44,288 35,587 26,090 19,383. 15,048.0 9,346. 7,201.0
5,517 6,100
Investments 73 .6 .25 .32 42 0 00 0
8,586.7 8,510. 7,957. 5,222. 3,288.0 1,305.
1,966.35 999.91 422 291
Fixed Assets 3 00 31 78 9 81
off Balance sheet 150.713 144,55 67,094 52,153 40,255. 40,797.7 22,098 18,085.
24,162 15,260
Exposure .79 4 .00 .00 00 4 .19 80
293,847 266,10 226,33 207,44 168,892 129,877. 90,483 64,794.
50,180 38,547
Total Asset .23 1 3.00 8.00 .00 03 .78 86
268,258 243,60 205,82 189,27 152,925 122,059. 84,778 60,410.
Total Liability .41 9.00 8.00 7.00 .00 76 .32 62 47,043 36,225
Financial ratio
(%) Y2015 Y2014 Y2013 Y2012 Y2011 Y2010 Y2009 Y2008 Y2007 Y2006
Cost- income
ratio 45.96 42.67 42.52 43.38 35.74 39.74 39.81 40.38 40..39 38.39
Credit- Deposit
Ratio 84.57 78.92 79.81 79.79 82.81 82.35 79.37 81.85 85.06 80.03
Debt Equity
ratio (time) 9.36 9.85 9.19 9.45 8.74 14.46 13.62 12.43 13.12 14.3
Gross profit
ratio 51.38 51.31 43.78 40.9 47.67
Current ratio 113.92 112.94 112.57 80.48 87.05
Return on
capital
Employed 12.27 13.1 12.17 8.17 24.77
fund
Operational
efficiency ratio 40.46 45.35 44.47 -20.38 -30.61
operational profit
% work fund 44.02 49.86 44.77 -17.75 -35.51
Return on
Assets 1.42 1.49 1.41 0.84 1.97 1.68 1.03 1.18 1.62 1.51
Return on
equity 16.54 17.07 15.85 9.29 24.77 27.92 16.35 17.44 25.98 25.05
Burden
coverage ratio 109.5 112.16 100.89 80.72 124.82 128.77 124.58 126.6 115.09 109.05
CASA deposit
% Total deposit 25.14 21.08 16.69 14.97 124.82
Cost of fund 9.18 10.16 11.66 12.46 10.09 9.81 10.72 11.32 10.76 10.48
Yield on
advance 11.75 13.87 16.21 16.23 14.81 12.89 13.78 14.02 12.36 13.09
Spread 2.57 3.71 4.55 3.77 3.72
Capital
Y2015 Y2014 Y2013 Y2012 Y2011 Y2010 Y2009 Y2008 Y2007 Y2006
Measures:
Total risk
273,327 243,25 197,38 177,90 155,231 145,130. 128.23 117,432 109.30 96,654
weighted
.11 0.40 0.55 0.41 .89 09 3.14 .06 0.11 .45
Assets
22,406. 19,265 17,269 15,041 14,278. 13,021.0 11,235 10,924. 8,564. 6,965.
Tire 1 Capital
21 .48 .97 .18 04 3 .66 37 13 44
10,820. 6,425. 5,488. 3,414. 2,599.0 1905.1 1104.4
Tire 2 Capital 2109.06 1500.07 805.33
24 70 79 56 2 1 4
33,226. 25,691 22,758 18,455 16,877. 13,088 11344.3 9875.0 8674.0
Total Capital 15955.77
45 .18 .76 .74 06 .09 4 5 3
Tier 1 Ratio % 8.2 7.92 8.75 8.45 9.2 8.04 7.8 9 7.02 8.11
Tier 2 Ratio % 3.96 2.64 2.78 1.92 1.67 1.55 1.88 2.44 1.76 2.01
Capital
Adequacy 12.16 10.56 11.53 10.37 10.87 10.55 13.03 11.33 10.37 9.88
Ratio %
Required 27,332. 24,325 19,738 17,790 15,523.
14,215 12875 11,453 10,689 9,745
Capital 71 .04 .05 .04 19
Capital Surplus 5,893.7 1,366. 3,020. 1,353.8
6657
(shortage) 4 14 71 7
Liquidity
Measures: Y2015 Y2014 Y2013 Y2012 Y2011 Y2010 Y2009 Y2008 Y2007 Y2006
Cash received
6.82 7.4 6.35 6.29 6.8 7.08 6.33 6.64 5.99 6.49
Requirement %
Statutory
19.68 23.57 21.85 17.84 16.67 17.13 16.22 16.98 15.31 16.44
Liquid ratio%
156,194 152,64 142,57 133,80 113,016 7,003. 4,745.9 4,116.
10,029
Current Assets .81 4.65 0.40 4.72 .55 75 0 91
Current 137,106 135,15 126,65 166,26 129,836
Liability .88 6.26 2.28 2.80 .06
- -
19,087. 17,488 15,918
Net Current 32,458 16,819.
93 .39 .12
Assets .08 51
Long term 131,151 108,45 79,175 21,814 23,089.
Liability .53 2.94 .89 .54 63
Long term
Liability/
95.66 80.24 62.51 13.12 17.78
Current
Liability
5,000.00
0.00
10,000.00
5,000.00
0.00
Net Profit
5,000.00
0.00
Total Asset
400,000.00
300,000.00
200,000.00
100,000.00
0.00
4.5.3 Deposits
During the year 2015, total deposits of the Bank increased by BDT 9,794.42 million and
stood at BDT 220,866.48 million which was BDT 211,072.06 million in 2014 representing
growth of 4.64% over the year 2014. There are 34 deposits products in the Bank.
Deposit
300,000.00
200,000.00
100,000.00
0.00
4.5.4 Investment
UCBs investment has almost remained the same as previous year. It increased by only about
0.13% during the year 2015 and stood at BDT 44,345.73 million which was BDT 44,288.60
million in 2014. Investment in Govt. securities decreased by 0.14% enough to maintain
surplus Statutory Liquidity Ratio (SLR) of BDT 14,723.44 million at the end of 2015. Direct
investment increase in capital market by Tk. 112.64 million which growth 6.55% than year
2014.
Investments
60,000.00
40,000.00
20,000.00
0.00
Return on equity
30
20
10
0
Return on Assets
2
1.5
1
0.5
0
Cost of fund
15
10
5
0
Y-2013
Y-2012
Y-2011
Y-2010
Y-2009
Y-2008
Y-2007
Y-2006
2
0
20
4.62%
4.03%
3.69%
1.79%
2 15
0 10
2015 2014 2013 2012 2011 5
0
The topic of my report is Performance Analysis of United Commercial Bank Limited The
total number of historical data that was taken inconsideration was Ten years starting from 31,
December 2006 to 31 December 2015.
There are some important findings are given below which is discovered during the research
and work experience in UCB;
5.2- RECOMMENDATIONS
As an employee under Branches Control & Development Division (BCDD) of the United
Commercial Bank, I feel proud because most of the time I prepared different report for the
Top Management of the Bank with the help of Finance & Accounts Division in United
Commercial Bank Ltd. Corporate Head Office, where I found that every division are helpful
in respect of business issue of the banks. Some of my senior colleagues in my Division and
Finance & Account Division were help me to prepare this report. The bank corporate office is
highly well-planned than the Branch office.
I would like to recommend the following things:
Private commercial banks are playing a vital role in the development of our economy.
Government and Bangladesh Bank also play a crucial role in banking sector by regulating the
overall banking systems and setting rules and regulation in the activities of commercial
banks. In recent years of banking sector, UCBL has shown better performance comparing
with other first generation banking. So I want to find the determinants that determine UCBs
profitability. The main objective this study was to determinate and evaluate the effects of
banking profitability of UCB. The objective was to determine and evaluate the effects of
bank-specific factors expressed within the segmental analysis. From the discussion of the
findings above, it can be concluded that the bank-specific factors such as net profit, total
asset, non-interest income, ROE, ROA etc. The study sought to investigate factors that
influence profitability of UCB. But it can be extended to include other banks to study the
determinants of profitability of banking industry in Bangladesh. However if this study is
extended to the entire banking industry in Bangladesh where all banks operate then the
variables used in the study were not exhaustive. Future research could incorporate
macroeconomic variables such as GDP, inflation and exchange rates. Also a study on the
factors influencing the liquidity position of commercial bank in the country could add great
value to the performance of local banks and academic literature.
Books:
Reports:
5. United Commercial Bank (2006-2015) Annual Report. United Commercial Bank Ltd.
Websites: