Independent University, Bangladesh (IUB)
BBA499A Report
Financial Performance Analysis of Five 3rd generation
Commercial banks in Bangladesh.
Submitted to
Respected Instructor
Nuzhat Sharmeen.
Submitted By
Md. Mahamudul Hasan Ullash.
Id: 1730256
Date of Submission
22-04-2021
Letter of Transmittal
22 April 2021
Nuzhat Sharmeen.
Lecturer and Coordinator
Department of Economics
School of Business and Entrepreneurship
Independent University, Bangladesh (IUB).
Subject: Submission of internship report on “Financial Performance Analysis of Five 3rd generation
Commercial banks in Bangladesh”.
Dear Madam.
I am highly delighted to submit the internship report of my three months long internship program in
Mutual Trust Bank Limited at Gazipur Branch. The title of the report is “Financial Performance Analysis
of Five 3rd generation Commercial banks in Bangladesh”. This report has been prepared to fulfill the
requirement of the internship program in Mutual Trust Bank Limited.
It has been an interesting and very enlightening experience for me to work in Mutual Trust Bank LimitedGazipur Branch. I have tried my level best to reflect my three months long work experience in this report
and also tried to make this report a successful one.
I would like to express my sincere gratitude to you for your kind guidance & suggestions in preparing the
report. It would be my great pleasure for me if you find my report informative and useful to have an idea
of recent state of Mutual Trust Bank Limited.
Sincerely yours
……………………………………
Md. Mahamudul Hasan Ullash
ID: 1730256
School of Business and Entrepreneurship
Independent University, Bangladesh (IUB)
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Acknowledgement
At the very beginning, I would like to express my gratitude to God for giving me the strength to complete
the report. Then I would like to express my gratitude to, Md. Hassan Mahmud Shujan, Assistant Vice
President for giving me an opportunity to do internship in Mutual Trust Bank Limited Gazipur branch. I
am grateful to Md. Tanvir Hossain General Banking Incharge of Mutual Trust Bank Limited Gazipur
Branch. I also like to express my deep gratitude to Halima Khatun Senior Officer who was my field
supervisor in Mutual Trust Bank Gazipur Branch.
Last but not the least I am grateful to my honorable faculty and academic supervisor Nuzhat Sharmeen,
Lecturer and Coordinator, Department of Economics School of Business and Entrepreneurship,
Independent University, Bangladesh (IUB). to support me to create that type of excellence report from
where we can learn many things about the Bank.
Finally, my heartiest thank to all my colleagues and seniors of Mutual Trust Bank Limited Gazipur Branch
for helping me throughout the report. And I also thank them for their cordial co-operation and guidance
in all the way to do my internship and to prepare this report.
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Executive Summary
The analysis of the financial performance analysis of five 3rd generation commercial banks in Bangladesh
is mentioned in this study. Mutual Trust Bank Limited is a well-known bank that has been operating in
Bangladesh for the past 22 years. The main goal of this work is to evaluate the liquidity & other ratio
position of non-stop five-year commercial banks in Bangladesh. I'm looking at the overall performance of
Mutual Trust Bank and other four third Generation commercial banks I've selected over the past five years,
from 2015 to 2019, to see how they've changed over time. My ongoing study is to determine on liquidity,
TOA (total assets ratio), CAP (The Share of Own Capital on Total Assets), NPL (Non-performing loans
on total volume of loans), ROE (Return on Equity). “Financial Performance Analysis of Five 3rd
generation Commercial banks in Bangladesh,” I addressed here. To further discuss this, I've included
information on Mutual Trust Bank's vision, purpose, aim, priorities, core values, and other pertinent
details. By completing this paper, I will gain a broad understanding of how to measure all ratios for a
given financial institution.
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Contents
Chapter 1 ...................................................................................................................................................................1
Introduction. .............................................................................................................................................................1
1.1 Company Profile...............................................................................................................................................2
1.2 Historical Background ......................................................................................................................................2
1.3 Vision ...............................................................................................................................................................3
1.4 Mission .............................................................................................................................................................3
1.5 Objective ..........................................................................................................................................................4
1.6 Concepts of the Bank........................................................................................................................................4
1.7 Product Service Offering ..................................................................................................................................4
1.7.1 Retail Banking. ..........................................................................................................................................4
1.7.2 Loan Product. ............................................................................................................................................9
1.7.3 MTB Card................................................................................................................................................11
1.7.4 Wholesale Banking. .................................................................................................................................11
1.7.5 NRB Banking. .........................................................................................................................................11
1.7.6 SME Banking. .........................................................................................................................................12
1.8 The Organizational Hierarchy of Mutual Trust Bank.................................................................................... 13
1.8.1 MTB Senior Management Team. ............................................................................................................13
1.8.2 The Organogram of Mutual trust Bank (Gazipur branch) .......................................................................14
Chapter 2 ................................................................................................................................................................ 15
Job Description at MTB........................................................................................................................................ 15
2.1 Introduction. .................................................................................................................................................. 16
2.2 Job Responsibilities in General Banking. ...................................................................................................... 16
2.2.1 Receive Documents from different organization and Individual or Non-Individual Customer. .............16
2.2.2 KYC.........................................................................................................................................................16
2.2.3 Record the number of pay-order issued every day. .................................................................................16
2.2.4 keeping record of cheque book requisition..............................................................................................17
2.2.5 Learn to open an account. ........................................................................................................................17
2.2.6 keeping record of card requisition. ..........................................................................................................17
Chapter 3 ................................................................................................................................................................ 19
Financial Performance Analysis. ......................................................................................................................... 19
3.1 Objective of the Report: ................................................................................................................................ 20
3.1.1 Primary Objective:...................................................................................................................................20
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3.1.2 Some specific objectives are: ..................................................................................................................20
3.2 Methodology.................................................................................................................................................. 20
3.3 Limitation. ..................................................................................................................................................... 21
3.4 Data Collection & Analysis. .......................................................................................................................... 21
3.4.1 CAP (The share of own capital on total asset). .......................................................................................21
3.4.2 NPL (Non-performing loans on total volume of loans)...........................................................................22
3.4.3 TOA (Total assets Ratio). ........................................................................................................................24
3.4.4 ROE (Return on Equity). .........................................................................................................................25
3.4.5 Determinate of Liquidity (Liquid asset/ Total Asset). .............................................................................26
Chapter 4 ................................................................................................................................................................ 29
Recommendations.............................................................................................................................................. 29
4.1 Recommendation on Mutual Trust Bank....................................................................................................30
4.2 Recommendation on Project.......................................................................................................................30
4.3 Recommendation on Internship. .................................................................................................................31
Chapter 5 ................................................................................................................................................................ 32
Conclusion. ......................................................................................................................................................... 32
Chapter 6 ................................................................................................................................................................ 34
Reference ............................................................................................................................................................ 34
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Table Name
Table
Number
Table 1
Table 2
Table 3
Table 4
Table 5
Table 6
Table 7
Table 8
Table 9
Table 10
Table 11
Table 12
Table 13
Table 14
Table Name
MTB Brick By Brick Monthly Instalment & Pre-Tax Maturity Value.
MTB Millionaire Plan Monthly Instalment & Pre-Tax Maturity Value.
MTB Kotipati Plan Monthly Instalment & Pre-Tax Maturity Value.
Name and Position of MTB Senior Management Team.
CAP rates for 3rd generation Bank in Bangladesh Commercial Bank.
CAP rates for Best 3rd generation Bank in Bangladesh Commercial Bank.
NPL rates for 3rd generation Bank in Bangladesh Commercial Bank.
Non-performing loans on total volume of loans (NPL) rates for Best 3rd generation Bank
in Bangladesh Commercial Bank.
rd
TAO rates for 3 generation Bank in Bangladesh Commercial Bank.
TOA (Total assets) rates for Best 3rd generation Bank in Bangladesh Commercial Bank.
ROE rates for 3rd generation Bank in Bangladesh Commercial Bank.
ROE (Return on Equity) rates for Best 3rd generation Bank in Bangladesh Commercial
Bank.
Determinate of Liquidity (Liquid asset/ Total Asset) rates for 3rd generation Bank in
Bangladesh Commercial Bank.
Determinate of Liquidity rates for Best 3rd generation Bank in Bangladesh Commercial
Bank.
Page
No
5
6
7
14
21
22
23
Table of Figure Name
Figure
Number
Figure 1
Figure 2
Figure 3
Figure 4
Figure 5
Figure 6
Figure 7
Figure Name
Product Line of MTB.
Organogram of Mutual Trust Bank Head Office.
Organogram of MTB Gazipur Branch.
Capital adequacy ratio (CAR) Column Chart.
NPL (Non-performing loans on total volume of loans) Column Chart.
TOA (Total assets) Column Chart.
Determinate of Liquidity Column Chart.
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Page
No
12
13
14
22
23
25
27
23
24
25
26
26
27
28
Chapter 1
Introduction.
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1.1 Company Profile
Mutual Trust Bank Limited (MTB) is one of the leading commercial banks in the private sector, having
begun its banking operations in Dhaka on 24 October 1999. The emphasis has been on Bangladesh's
developed and emerging markets. MTB has been able to achieve outstanding business standards of
professional customer service by focusing hard on the activities of its field of specialization. The bank
makes every effort to meet its share of community obligations. The bank aims to expand and increase
shareholder value by means of such measures. Mutual Trust Bank is dedicated to improving customer
loyalty across services and creating a trusted customer relationship that has been at the test of that for the
last 21 years.
Retail Banking, including deposit products, loan products and MTB card products; Off-Shore Banking,
including MTB Nationwide Collection Services, MTB Web Based Banking Service, MTB Payments
Solutions and MTB Capital Market Services; Non-Resident Bangladeshi (NRB) Banking, the Bank
provides services such as Wholesale Banking, including term finance, working capital finance, trade
finance and others.
MTB Center 26, Gulshan Avenue, Dhaka 1212, Bangladesh is the head office. The Bank has 113 branches,
including 14 SME/Agri branches, and 165 ATM booths in 36 districts in Bangladesh. The bank doesn't
have an international branch. It has a booth from which customers can exchange their currency at Hazrat
Shahjalal International Airport, Dhaka. Via a Global Network of Foreign Correspondent Banks, the bank
conducts international business. The bank's total number of employees is 2340. The leadership of the bank
is entrusted to the 14-member board of directors. Its chief executive is the managing director.
All forms of commercial banking operations are undertaken by the bank, including foreign exchange and
other financial services. The bank's key focus during the first two years of operations was on the delivery
of customized customer services and the growth of its customer base.
1.2 Historical Background
Mutual Trust Bank Limited, founded under the Company Act, 1994, is a planned private sector bank.
Under the Companies Act 1994, it was incorporated as a public limited company on September 29, 1999
as a public company limited by shares for the performance of all types of banking activities with approved
capital of Tk. 1,000,000,000 divided into 10,000,000 ordinary Tk.100 shares each. BDT 10,000,000,000
divided into 1,000,000,000 ordinary shares of BDT 10 each is currently the company's Approved Share
Capital. The bank's shares are listed on the Dhaka and Chittagong Stock Exchanges as the company's
2
publicly listed shares. The Bank's Approved Capital is BDT 10 Billion. The company was also given a
business start-up certificate on the same day and was approved by Bangladesh Bank under the Banking
Companies Act 1991 on October 05, 1999 and began its banking operations on October 24, 1999. In
compliance with the provisions of the Banking Companies Act 1991, as envisaged in the Memorandum
of Association and approved by Bangladesh Bank, the Company began its banking operations and was
entitled to conduct the following types of banking operations:
I. All kinds of commercial banking activities, like money market operations
II. Investment in the activities of Merchant Banking
III. Investment in operations of the company
IV. Financiers, Advertisers, Shareholders, etc.
V. Services of Financial Intermediary
VI. Any financial services related to it.
The Bank began its commercial banking activities on 24 October 1999. This organization has managed to
prove itself effectively as a progressive and dynamic financial institution of the country during this short
period of time.
1.3 Vision
The vision of the Mutual Trust Bank focuses on a philosophy known as MTB3V. The vision is➢ One of the best performing banks in Bangladesh
➢ The bank of choice
➢ A truly world class bank
1.4 Mission
The mission of Mutual Trust Bank is“We aspire to be the most admired financial institution in the country, recognized as a dynamic, innovative
and client focused company, which offers an array of products and services in the search for excellence
and to create an impressive economic value”.
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1.5 Objective
The main object of Mutual Trust Bank Limited (MTB) was to give the financial market an interest-free
banking system. In addition, the bank began operating in the country with a view to achieving the
following objectives:
❖ Establishing a consumer relationship and removing the concept of conventional banks' debtorcreditor relationships.
❖ To establish a welfare-oriented banking scheme.
❖ Savings mobilization into productive sectors.
❖ Investing on the basis of benefit and risk sharing.
❖ Acceptance of profit-sharing deposits and loss-sharing basis.
❖ Investing savings in prospective economic sectors to build job opportunities.
❖ Extending banking services to the vulnerable, helpless and low-income classes of people in society
in order to increase their living standards.
❖ To contribute to the development of a society by equitably allocating resources.
❖ To establish justice in the country's trade and commerce.
❖ To provide programs for the country's economic development.
1.6 Concepts of the Bank
Mutual Trust Bank is determined to following its corporate values in order to become a dependable clientfocused financial institution in the country by delivering services with trust and security. The bank is
undertaking to offer great customer service to its clients. The bank recognizes the importance of
conducting all of its activities in an appropriate and productive manner. In February 2021, the liquidity
ratio for all banks is 13.00%. As a result, Mutual Trust Bank is working hard to maintain its liquidity level.
1.7 Product Service Offering
1.7.1 Retail Banking.
Under retail banking, Mutual Trust Bank has developed a range of deposit items, loans, and MTB cards
for its customers.
1.7.1.2 Deposit Product.
Mutual Trust Bank has developed a variety of deposit products to meet the needs of its customers. It makes
an effort to provide the best value for money to the consumer. The various MTB deposits are listed below.
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1.7.1.2(a) Regular Savings Account (Individual A/C).
This is MTB normal savings account. Customers may use this account for online banking, fund transfers
from one branch to another, and check-book transactions.
1.7.1.2(b) Current Account (Non-Individual A/C).
This is the MTBL's daily current account. The majority of the current accounts in the Gazpur branch are
in the names of businesses. In general, current accounts do not pay interest, but MTBL offers its customers
SND (Short Noticed Deposit) accounts, which pay interest.
1.7.1.2 (c) MTB Fixed Deposit.
MTB offers fixed deposits with interest rates of 3.50 % for six months and 3.75 % for one year to
customers who want to invest for a long time. Overdraft services are available to customers that have a
fixed deposit.
1.7.1.2 (d) MTB Brick by Brick.
Brick by Brick is an each
monthly savings plan that
accumulates over time and
pays out a lump sum at
maturity. There is no need
to make an initial deposit.
This package has monthly
installments of BDT 250,
500, 1000, 2000, and
Table 1: MTB Brick By Brick Monthly Instalment & Pre-Tax Maturity Value.
5000. Three, five, eight, and
ten years are the savings periods. Brick by Brick is a common Mutual Trust Bank deposit. The customer
must open an account from the first to the twentieth day of the following month.
1.7.1.2 (e) MTB Inspire.
MTB Inspire offers a variety of improved programs, as well as the unique advantage of receiving a
monthly return on the customer's deposit rather than the typical half-yearly return. Interest is measured
daily and charged on a monthly basis.
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1.7.1.2 (f) MTB Ruby.
Today's independent women will profit from MTB Ruby's hassle-free banking services. MTB Ruby, an
exclusive savings account for women, is filled with exclusive advantages for women customers, in
addition to the main MTB banking advantage. Interest is calculated on a daily basis and credited weekly.
1.7.1.2 (g) MTB Angona.
MTB launches MTB Angona, the country's best segmented strategy with an exclusive array of products,
services, and exclusive value propositions, in order to cater to the special interests of people as well as to
address each of their strengths. Exclusive activities (health awareness workshops, yoga camps,
information sharing, high tea parties, jewelry shows, cooking shows, award shows, and so on) will provide
opportunities for our MTB Angonas to mingle and get to know one another.
1.7.1.2 (h) MTB Millionaire Plan.
The Millionaire Plan is a
monthly investment plan
that aims to make the
consumer a millionaire in
a matter of years. After
one year, this account
allows for an 80 percent
loan. Make a payment of
BDT 1,000,000 for 4 years
at BDT 18,360 per month.
Table 2: MTB Millionaire Plan Monthly Instalment & Pre-Tax Maturity Value.
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1.7.1.2 (i) MTB Kotipati.
MTB has a product called "MTB Kotipati" that will transform you into a Kotipati after a certain period of time,
based on the customer's monthly deposit ability. The bank offers a good rate of return on deposits. The consumer
is eligible for a loan of up to 90% of the amount deposited.
Table 3: MTB Kotipati Plan Monthly Instalment & Pre-Tax Maturity Value.
1.7.1.2 (j) MTB Care.
MTB Care is a savings product for children with special needs, and it is a unique MTB proposition. MTB
is also committed to assisting special children in obtaining access to banking facilities. MTB Care requires
a minimum deposit of BDT 500 to open.
1.7.1.2 (k) MTB Extreme Savings Account.
Free Life Insurance, COVID -19 Coverage, and other special features are all included in the “MTB
Extreme” savings account, which is specifically designed to protect your future. When you open this
account with MTB, you'll get a double benefit: interest and insurance coverage. The estimated insurance
allowance for COVID-19/other sickness/accident death is BDT 5,00,000.
1.7.1.2 (l) MTB Senior.
MTB Senior has been planned, keeping in mind that a senior citizen’s banking requirements are different
and deserve special consideration. We believe in supporting our senior citizens, so that they can carry out
their day-to-day banking transactions independently. MTB Senior needs a minimum deposit of BDT
10,000 to open.
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17.1.2 (m) MTB Shanchay.
MTB Shanchay is a savings plan for low-income people who do not have access to banking services.
There is a Tk 10 minimum account opening balance and no-account maintenance charge. On a half-yearly
basis, interest will be based on the monthly average balance and credited to the account.
1.7.1.2 (n) MTB Double Saver.
MTB Double Saver works its magic by doubling a customer's savings over a fixed period of time.
Customers may choose how easily they want to double their money with this deposit scheme. The
customer will get a credit card limit of up to 80% of the amount deposited. A credit card limit of at least
BDT 10,000.00 will be required.
1.7.1.2 (o) MTB FDR in Days.
FDR in Days from Mutual Trust Bank is a secure and easy way to watch your savings rise. This is a fixed
deposit account that pays interest at the end of the maturity period. MTB FDR in Days will help you save
more money while giving you full peace of mind. The minimum sum to open an MTB FDR in Days is
BDT 5,00,000, with 100/200/365 days tenors available.
1.7.1.2 (P) MTB Instant.
Mutual Trust Bank's MTB Instant allows you to get your interest right when you book your deposit, rather
than having to wait for it to mature. This upfront interest allows you to put your money into further savings,
increasing your total portfolio and profits. On the day the FD is opened, interest for the entire tenor will
be automatically credited to the associated MTB Current/Savings Account.
1.7.1.2 (q) MTB Monthly Benefit Plan.
In this scheme, a depositor will receive monthly interest on the amount deposited on a monthly basis. If
this plan is opened, the investor's future protection will be assured. It was developed with the primary aim
of ensuring the future welfare of former government and non-government workers, as well as other
calculative depositors. The minimum deposit for an MTB Monthly Benefit Plan is BDT 100,000.00, and
multiples of BDT 100,000.00 are also appropriate.
1.7.1.2 (r) MTB Quarterly Benefit Plan.
MTB offers a variety of special scheme deposit options, which are the bank's primary source of long-term
deposits. This aids the bank's treasury management as well. MTB Quarterly Benefit Plan is a common
deposit program in which the depositor receives quarterly interest on the amount deposited. It will ensure
8
the investor's long-term stability. BDT 100,000.00 and multiples of BDT 100,000.00 are the minimum
deposits required to participate in an MTB Quarterly Benefit Plan.
1.7.1.2 (s) MTB Shield.
The country's first ever fixed deposit with COVID – 19 insurance coverage is now available from Mutual
Trust Bank Limited. Now you will get a double profit from a single investment: interest on your fixed
deposit and extra life insurance coverage. Maximum coverage BDT 5,00,000 for death due to illness or
injury, and BDT 10,00,000 for death due to COVID-19.
1.7.1.2 (t) MTB Gift Cheque.
Users of MTB Gift Cheques have the rare ability to choose their gift at any time. Purchasers save time,
while recipients have the option of purchasing anything they like. MTB GIFT CHEQUES can be redeemed
for cash at any MTB branch in Bangladesh at any time.
1.7.1.2 (u) MTB Junior.
The MTB junior account is for kids. The bank assists the customer in demonstrating a healthy method of
saving money for their children. The account holder must be under the age of eighteen.
1.7.1.2 (v) MTB Graduate.
Graduate and college students over the age of 18 are entitled to use this account. It can be both exciting
and daunting to begin college or university. That's why MTB Graduate, a modern savings account, has
everything students need to fulfill all of their banking needs, including monthly income and the ability to
prepare for potential financial emergencies.
1.7.2 Loan Product.
Customers of Mutual Trust Bank may also get a loan. It offers a variety of loan products to meet the
diverse needs of its customers.
1.7.2.1 (a) MTB Personal Loan.
Mutual Trust Bank provides easy, convenient, and fast loan services to meet the needs of its customers.
Loan amounts range from 50,000 to 200,000 taka. Repayment periods vary from 12 to 60 months.
1.7.2.2 (b) MTB Auto Loan.
For car loans, Mutual Trust Bank provides a favorable interest rate. The loan is valid for both new and
used vehicles. The interest rate is currently at 17%. The loan volume ranges from BDT 3,00,000 to BDT
40,00,000.
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1.7.2.3 (c) MTB Home Loan.
One of life's most rewarding challenges is planning to buy a home. MTB offers a variety of home loan
options that can be customized, whether you're buying a new house or an apartment. The loan amount will
range from BDT 5,00,000 to 2,000,000. The rate of interest is 14.5%.
1.7.2.4 (d) MTB Home Equity Loan.
MTB Home Equity Loan is a loan offered by Mutual Trust Bank for house construction, extension,
renovation, and finishing work. Amount of loan: up to 70% of the property's value.
1.7.2.5 (e) MTB Cash Line.
MTB Cash Line (OD) – This is a fully secured revolving loan facility with a one-year renewal option.
With MTB, you will be able to use your approved OD facility in conjunction with your deposit scheme
product (FD/DPS/Others). MTB Cash Line (Term Loan) – This is a fully secured (EMI-based) loan facility
that can be used for any legitimate purpose. MTB will provide you with a term loan against your deposit
scheme product (FD/DPS/Others). Minimum loan volume is BDT 50,000.
1.7.2.6 (f) MTB Grameen Griho Reen.
In the union parishad district, a loan for house construction and extension is available. The loan amounts
range from Tk. 5,00,000 to Tk. 80,00,000. For construction purposes, the maximum debt equity ratio/LTV
would be 50% of the land value, and for extension purposes, 50% of the forced sale value and the value
of the building combined.
1.7.2.7 (g) MTB Neer.
Construction and extension of a semi-pacca residential house with a loan. The loan number is Tk. 3,00,000
to Maximum Tk. 50,00,000 or allowable LTV, whichever is lower. Minimum BDT 25,000 for
Government employees, minimum BDT 40,000 for salaried person, minimum BDT 50,000 for Selfemployed, minimum BDT 50,000 for Businessperson/Landlord/Land lady/other income individuals.
1.7.2.8 (h) MTB Professional’s Loan.
MTB understands that as a professional, you expect great value and the most efficient use of your funds.
MTB Professional's Loan is a multi-purpose cash loan with a fixed monthly installment and no collateral.
Salaried professionals earn BDT 25,000 per month, while self-employed professionals earn BDT 40,000
per month. The loan sum ranges from Tk. 50,000 to Tk. 20,00,000, with a repayment period of 6 to 60
months.
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1.7.3 MTB Card.
Customers of Mutual Trust Bank may get a debit or credit card.
1.7.3.1 (a) Debit Card.
The MTB VISA credit card can be used to withdraw cash from any VISA ATM worldwide. The MTB
Visa Debit card is very flexible and easy to use. To make a payment, the customer simply needs to swipe
and sign.
1.7.3.2 (b) Credit Card.
The MTB credit card is accepted all over the world. As we all know, by using a credit card, the customer
is not required to pay the entire bill. Just 24-26.5 % bill is due from MTB credit card holders.
1.7.4 Wholesale Banking.
Wholesale banking is a form of banking service provided by a bank to large corporate customers, midsized businesses, real estate developers, and others. Mutual Trust Bank offers the following services.
1.7.4.1 Term Finance.
Mutual Trust Bank offers term loans for project funding, lease financing, and home construction financing.
There are huge sums of money owed to corporate customers.
1.7.4.2 Working Capital Finance.
Working capital financing is a facility that a bank provides to its clients in order to help them handle their
cash flow. Cash against documents (CAD), protected overdraft (SOD), and other features are available.
1.7.4.3 Trade Finance.
This commodity aids in the export and import of goods. Depending on their needs, Mutual Trust Bank
provides export and import financing.
1.7.4.4 MTB Offshore Banking.
A bank that is based outside of the depositors' home country is known as an offshore bank. This service
is planned for companies in EPZ that are 100 % perfect foreign owned, joint ventures, or locally owned.
1.7.5 NRB Banking.
Mutual Trust Bank provides a variety of deposit items in local currency for NRBs who are living outside
of the country and want to save their hard-earned money for future use and to make family maintenance
easier.
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1.7.6 SME Banking.
SME banking is a service that caters to small businesses. For the entrepreneurs, the bank created a variety
of items.
1.7.6.1 MTB Small Business Loan.
It is intended for small business owners who want to expand their operations. The loan is for a maximum
of BDT 50,000,000.
1.7.6.2 MTB Digoon.
Customers can get a loan for twice the amount of their fixed deposit. The loan amount ranges from
BDT 5,00,000 to BDT 20,000,000.
1.7.6.3 MTB Bhagyobati.
This is a loan for women who want to start their own company. The loan amount ranges from 1,00,000 to
50,00,000 TK. The rate of interest is 9% of the total.
1.7.6.4 MTB Krishi.
It is intended for use in the agricultural industry. Only farmers are eligible to apply. The loan is for a
maximum of BDT 3,00,00,000.
Figure 1: Product Line of MTB.
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1.8 The Organizational Hierarchy of Mutual Trust Bank.
Senior
Executive Vice
President
Mutual Trust Bank has a single Managing Director (MD) who manages and controls the bank's
major divisions. He is in charge of overseeing the overall operations and divisions. The
Executive Vice
Presidents
Senior
three Executive Vice Presidents (EVP), and two Senior Vice Presidents. Credit, loan
management, domestic, information technology, financial control & accounts
Vice
President
division,
of
Executive
are
under
Executive
Managing Director is reported to by one Senior Executive Vice President (SEVP),
treasury division, credit division, and card division are all under the control
Senior Vice
President
the
Vice
Vice Presidents. The human resource and marketing divisions
supervision of the Senior Vice President. The Senior
Senior
Assistant
the Senior Executive Vice
Vice President (SEVP). The regular
President supervises the Vice Presidents. And
Senior Executive
Officer
supervision of the Senior Executive Vice
President reports directly to the Executive
operations are under the immediate
Executive Officer
President (SEVP).
Senior Principal
Officer
Principal
Officer
Senior
Officer
Officer
Assistant
Officer
Teller
Figure 2: Organogram of Mutual Trust Bank Head Office.
1.8.1 MTB Senior Management Team.
The senior management team at Mutual Trust Bank is solid. The top management team collaborates on
strategies and oversees the entire bank in order to achieve the organization's goals.
Name
Position
Managing Director & CEO.
Syed Mahbubur Rahman.
Additional Managing Director & Chief Business
Syed Rafiqul Haq.
Officer.
13
Additional Managing Director & Group Chief
Chowdhury Akhtar Asif.
Risk Officer.
Deputy Managing Director & Group Head of
Goutam Prosad Das.
ICC.
Deputy Managing Director, COO & CAMLCO.
Tarek Reaz Khan.
Table 4: Name and Position of MTB Senior Management Team.
1.8.2 The Organogram of Mutual trust Bank (Gazipur branch)
Md. Hassan Mahmud
Shujan.
Branch Manager, Gazipur.
Halima Khatun.
Branch Operations Manager,
Gazipur.
Mohammad
Khalilur Rahman.
Md. Saidur
Rahman.
Md. Ahsanul
Kabir.
Md. Imdadul
Islam.
Md. Tanvir
Hossain.
SME & Retail RM.
SME & Retail RM.
Cash Department.
Cash Department.
Deposit RM.
Figure 3: Organogram of MTB Gazipur Branch.
14
Chapter 2
Job Description at MTB.
15
2.1 Introduction.
As I began my internship at MTB's Gazipur branch, I felt fortunate to be a part of this branch for the next
three months. My internship lasted from the 8th of February to the 7th of May. I worked in the department
of General Banking. It was a stroke of luck that I was able to work in such a pleasant environment.
2.2 Job Responsibilities in General Banking.
2.2.1 Receive Documents from different organization and Individual or Non-Individual Customer.
Normally, a bank receives a large number of papers from a variety of institutions or customers, such as
insurance companies, associations, government offices, and other financial institutions. I gathered all the
papers while working at the front desk. Those documents were kept in separate registers. The rest of the
paperwork was kept in a dispatch register.
2.2.2 KYC.
KYC means "Know Your Customer." This is a form that comes with all of the bank's account opening
forms. I need to fill out a KYC form with all of the customer's information. Customers' account opening
forms come with two forms. One is a KYC form, while the other is an SBS form. The account holder's
name, account number, passport number, national ID number, source of funds, monthly transaction
number, and total amount of monthly transaction should all be filled out on the KYC form. Customers'
professions and account types are written with code in SBS. The code for a service holder customer, for
example, is 911000.
2.2.3 Record the number of pay-order issued every day.
Every day, the mutual trust bank issues a large number of pay orders. A pay-order is a type of bank
transaction that is safer than a cheque. A check will bounce if the payer's account is depleted, but if the
payer issues a pay -order to the payee, he must credit his account with the amount specified in the payorder. Mutual Trust Bank Limited then debited the payer's account and credited the account of the payee.
These transactions must be documented in a specific register copy. When a pay order is issued, the
transactions are usually recorded in the register book at the same time. It was my responsibility at this
bank to keep track of the number of pay-orders issued on a daily basis. By looking at the bank's pay-order
block, I used to write the payer's name, payee's name, and amount of the pay-order serially in the register
copy.
16
2.2.4 keeping record of cheque book requisition.
The cheque book is a vital tool for both the bank and its clients. Throughout my internship, I received
client requisitions and delivered cheque books to them.
When cheque books arrived from the head office at Mutual Trust Bank, it was my responsibility to seal
all of the cheque books and approve them.
The account names of all the cheque books must then be entered into three files. One copy is attached to
the copy of the cheque book register, one is in the secure registration file, and the other is in the customer
file. These procedures are carried out in order to ensure the security of cheque books.
2.2.5 Learn to open an account.
Aside from all of the jobs listed above, I've also learned how to open a bank account. Md. Tanvir Hossain,
Assistant Officer (General), Customer Services Officer of Mutual Trust Bank Limited, is in responsibility
of opening an account at Mutual Trust Bank Limited. He taught me everything I know about how to open
an account, how to deal with clients, and how to assist them in doing so.
I learned from him that there are two kinds of customer accounts. There are two types of accounts: personal
and non-personal. In Mutual Trust Bank, a non-personal account is referred to as a business account. Two
copies of passport size photographs of account holders duly attested by the introducer, one copy passport
size photograph of nominee duly attested by A/C holder, photocopy of birth certificate/ passport/ NID
card of both A/C holder and nominee, revenue source copy of A/C holder are required for the opening of
a personal savings account.
On the other hand, two copies of passport size photographs of the account holder(s) who will operate the
A/C, duly attested by the introducer, A/C introduces by current account holder, and certified copies of the
following papers/documents are required for opening non personal/corporate accounts for various types
of firms such as proprietorship firm, partnership firm, limited company, club/ society/ school/ college,
trust, and others.
2.2.6 keeping record of card requisition.
Both the bank and its customers rely on the debit/credit card. I received client requisitions and handed
debit/credit cards to them during my internship.
17
When the debit/credit cards arrived from Mutual Trust Bank's head office, it was my responsibility to seal
and authorize all of them.
After that, all of the debit/credit card account names must be entered into two files. One copy is in the
secure registration file, and the other is attached to the copy of the debit/credit card register. These steps
are taken to ensure the security of your debit or credit card.
18
Chapter 3
Financial Performance Analysis.
19
The aim of the internship report is to examine the performance of five of Bangladesh's most prominent
banks. Mutual Trust Bank, Bank Asia, One Bank, Trust Bank, and Premier Bank are among the banks that
have been chosen. These banks were chosen because they have consistently excellent results.
Simultaneously, the banks were chosen after examining a variety of annual reports and looking at financial
ratios such as CAP, NPL, TOA, ROE, and Determinate of Liquidity. In addition, these banks were chosen
based on the recommendations of some seasoned bankers. According to them, there are a few commercial
banks that have been doing exceptionally well for many years.
3.1 Objective of the Report:
3.1.1 Primary Objective:
The primary goal of this study is to compare the performance of Mutual Trust Bank to that of Bangladesh's
other four commercial banks.
3.1.2 Some specific objectives are:
➢ To compare the things on the bank's balance sheet.
➢ To determine which areas the banks are failing to meet their goals.
➢ To determine Mutual Trust Bank's status.
3.2 Methodology.
For the purpose of preparing this study, data was primarily gathered from each bank's annual report and
website. In this report, different ratio analyses are used, which are gathered from bank annual reports and
financial statements, and the ratios that aren't contained in the annual report are determined using the
details given in the annual report. For example, the annual report explicitly states the percentage of own
capital in total assets, the percentage of non-performing loans in total amount of loans, the total assets
ratio, and the return on equity. The growth of capital on total assets can be calculated using these results.
To evaluate the banks, various ratios were chosen, such as return on equity to measure the efficiency of
using equity and total assets ratio to measure the efficiency of using the bank's assets. Since more focus
should be placed on the current year results when analyzing the performance, the financial information
used for the assessment is from the previous five years.
20
3.3 Limitation.
The first limitation is obtaining and analyzing details, as I am unfamiliar with all of the data presented in
the annual report. As a result, some details may be unreliable, as the amount of time spent on the job is
insufficient to learn about the Bank.
3.4 Data Collection & Analysis.
3.4.1 CAP (The share of own capital on total asset).
The capital on total asset (CAP) is a proportion of a bank's threat financial assets that measures how much
sufficient cash a bank has. The capital adequacy, also known as the capital-to-risk-weighted-assets ratio
(CRAR), is used to protect depositors and foster international financial sector safety and reliability. Tier1 capital, which can accept losses without requiring a bank to stop trading, and tier-2 capital, which can
sustain losses only in the event of a coiling and thus gives less protections to borrowers, are the two types
of capital that are measured.
In this table, there are five 3rd generation and five years Bangladesh Commercial Bank CAP rates:
Bank and Year
2015
2016
2017
2018
2019
Mutual Trust Bank
10.30%
11.51%
12.50%
12.86%
12.50%
Bank Asia
12.34%
12.42%
14.89%
15.05%
17.93%
One Bank
10.93%
13.89%
11.56%
11.93%
12.80%
Trust Bank
10.81%
14.62%
12.92%
13.87%
14.38%
Premier Bank
9.01%
12.38%
12.12%
12.27%
12.61%
Table 5: CAP rates for 3rd generation Bank in Bangladesh Commercial Bank.
21
12.61%
12.27%
12.38%
9.01%
12.12%
14.38%
13.87%
14.62%
12.92%
10.81%
12.80%
11.93%
13.89%
11.56%
10.93%
17.93%
15.05%
14.89%
12.42%
12.34%
12.86%
12.50%
12.50%
11.51%
10.30%
CAPITAL ADEQUACY RATIO (CAR)
Mutual Trust Bank
Bank Asia
One Bank
Trust Bank
Premier Bank
2015
10.30%
12.34%
10.93%
10.81%
9.01%
2016
11.51%
12.42%
13.89%
14.62%
12.38%
2017
12.50%
14.89%
11.56%
12.92%
12.12%
2018
12.86%
15.05%
11.93%
13.87%
12.27%
2019
12.50%
17.93%
12.80%
14.38%
12.61%
Figure 4: Capital adequacy ratio (CAR) Column Chart.
Comparison capital adequacy ratio (CAR) for 5 Commercial Banks:
Years
2015
2016
2017
2018
2019
Best Bank For capital adequacy ratio (CAR)
Bank Asia.
Trust Bank.
Bank Asia.
Bank Asia.
Bank Asia.
Table 6: CAP rates for Best 3rd generation Bank in Bangladesh Commercial
Bank.
3.4.2 NPL (Non-performing loans on total volume of loans)
A nonperforming loan (NPL) is a loan on which the borrower has defaulted because they have failed to
make scheduled payments for a certain period of time. Although the precise components of nonperforming
status can vary depending on the terms of the loan, "no payment" is typically defined as no payments of
principal or interest. Depending on the sector and the type of loan, the specified time varies as well. In
most cases, however, the time is 90 or 180 days.
In this table, there are five 3rd generation and five years Bangladesh Commercial Bank NPL rates:
22
Bank and Year
2015
2016
2017
2018
2019
Mutual Trust Bank
2.08%
4.36%
4.30%
5.39%
5.39%
Bank Asia
4.26%
5.41%
4.38%
4.10%
4.61%
One Bank
1.41%
1.03%
1.25%
5.87%
8.90%
Trust Bank
2.74%
3.21%
3.35%
7.90%
5.49%
Premier Bank
6.64%
5.17%
4.69%
3.99%
6.70%
Table 7: NPL rates for 3rd generation Bank in Bangladesh Commercial Bank.
6.70%
4.69%
3.99%
6.64%
5.17%
7.90%
3.35%
3.21%
2.74%
5.49%
5.87%
1.25%
1.03%
1.41%
4.61%
4.10%
5.41%
4.38%
4.26%
5.39%
5.39%
4.36%
2.08%
4.30%
8.90%
NPL
Mutual Trust Bank
Bank Asia
One Bank
Trust Bank
Premier Bank
2015
2.08%
4.26%
1.41%
2.74%
6.64%
2016
4.36%
5.41%
1.03%
3.21%
5.17%
2017
4.30%
4.38%
1.25%
3.35%
4.69%
2018
5.39%
4.10%
5.87%
7.90%
3.99%
2019
5.39%
4.61%
8.90%
5.49%
6.70%
Figure 5: NPL (Non-performing loans on total volume of loans) Column Chart.
Non-performing loans on total volume of loans (NPL) for 5 Commercial Banks:
Years
2015
2016
2017
2018
2019
Best Bank For Non-performing loans on total volume of loans (NPL)
One Bank.
One Bank.
One Asia.
Premier Bank.
Bank Asia.
Table 8: Non-performing loans on total volume of loans (NPL) rates for Best 3rd
generation Bank in Bangladesh Commercial Bank.
23
3.4.3 TOA (Total assets Ratio).
The total amount of assets owned by a person or entity is referred to as total assets. Assets are objects of
monetary value that are used over time to provide a benefit to the owner. If the owner is a company, these
assets are typically recorded in accounting records and appear on the company's balance sheet. These
assets are commonly found in the following categories:
❖ Inventory.
❖ Fixed assets.
❖ Intangible assets.
❖ Goodwill.
❖ Cash.
❖ Marketable securities.
❖ Accounts receivable.
❖ Prepaid expenses.
❖ Other assets.
The assets that make up the total asset’s category may or may not be recorded at their current market
values, depending on the applicable accounting standards. In general, international financial reporting
standards are more receptive to reporting assets at current market values, although commonly agreed
accounting principles are less likely to permit such a restatement.
In this table, there are five 3rd generation and five years Bangladesh Commercial Bank TOA rates:
Bank and Year
2015
2016
2017
2018
2019
Mutual Trust Bank
25.60%
26.50%
22.00%
10.26%
15.49%
Bank Asia
10.56%
8.90%
8.41%
9.10%
9.24%
One Bank
10.93%
13.66%
11.54%
11.93%
12.80%
Trust Bank
14.21%
16.30%
14.07%
13.40%
13.55%
Premier Bank
15%
18%
18%
19%
21.18%
Table 9: TAO rates for 3rd generation Bank in Bangladesh Commercial Bank.
24
21.18%
19%
18%
18%
15%
13.55%
13.40%
16.30%
14.07%
14.21%
12.80%
11.93%
13.66%
11.54%
10.93%
9.24%
9.10%
8.41%
10.56%
8.90%
15.49%
10.26%
26.50%
22.00%
25.60%
TOA
Mutual Trust Bank
Bank Asia
One Bank
Trust Bank
Premier Bank
2015
25.60%
10.56%
10.93%
14.21%
15%
2016
26.50%
8.90%
13.66%
16.30%
18%
2017
22.00%
8.41%
11.54%
14.07%
18%
2018
10.26%
9.10%
11.93%
13.40%
19%
2019
15.49%
9.24%
12.80%
13.55%
21.18%
Figure 6: TOA (Total assets) Column Chart.
TOA (total assets) for 5 Commercial Banks:
Years
2015
2016
2017
2018
2019
Best Bank for TOA (Logarithm of total assets).
Mutual Trust Bank.
Mutual Trust Bank.
Mutual Trust Bank.
Premier Bank.
Premier Bank.
Table 10: TOA (Total assets) rates for Best 3rd generation Bank in Bangladesh
Commercial Bank.
3.4.4 ROE (Return on Equity).
Split net income by shareholders' equity to get return on equity (ROE). The return on net assets is
computed by subtracting a company's assets by its debt. The return on equity (ROE) is a metric that
measures a company's profitability in terms of its stockholders' equity.
In this table, there are five 3rd generation and five years Bangladesh Commercial Bank ROE rates:
Bank and Year
2015
2016
2017
2018
2019
Mutual Trust Bank
17.40%
15.61%
18.35%
13.83%
9.03%
Bank Asia
14.36%
8.13%
10.21%
10.21%
8.16%
One Bank
13.24%
11.54%
9.24%
7.37%
11.54%
25
Trust Bank
16.36%
16.96%
14.86%
15.14%
14.60%
Premier Bank
9.39%
13.32%
14.60%
15.71%
19.70%
Table 11: ROE rates for 3rd generation Bank in Bangladesh Commercial Bank.
9.39%
13.32%
14.60%
15.71%
19.70%
16.36%
16.96%
14.86%
15.14%
14.60%
13.24%
11.54%
9.24%
7.37%
11.54%
Mutual Trust Bank
Bank Asia
One Bank
Trust Bank
Premier Bank
2015
17.40%
14.36%
13.24%
16.36%
9.39%
2016
15.61%
8.13%
11.54%
16.96%
13.32%
2017
18.35%
10.21%
9.24%
14.86%
14.60%
2018
13.83%
10.21%
7.37%
15.14%
15.71%
2019
9.03%
8.16%
11.54%
14.60%
19.70%
9.03%
14.36%
8.13%
10.21%
10.21%
8.16%
17.40%
15.61%
18.35%
13.83%
ROE
Figure 7: ROE (Return on Equity) Column Chart.
ROE (Return on Equity) for 5 Commercial Banks:
Years
2015
2016
2017
2018
2019
Best Bank for ROE (Return on Equity)
Mutual Trust Bank
Trust Bank
Mutual Trust Bank
Trust Bank
Premier Bank
Table 12: ROE (Return on Equity) rates for Best 3rd generation Bank in
Bangladesh Commercial Bank.
3.4.5 Determinate of Liquidity (Liquid asset/ Total Asset).
The ability to turn assets into cash easily and cheaply is referred to as liquidity. Liquidity ratios are most
useful when compared to other liquidity ratios. This research may be conducted internally or externally.
Internal analysis of liquidity ratios, for example, requires the use of different accounting periods that are
reported using the same accounting methods. Analysts will monitor shifts in the market by comparing past
26
periods to current operations. In general, a higher liquidity ratio indicates that a firm is more liquid and
has greater debt coverage.
External research, on the other hand, compares the liquidity levels of one business to those of another or
an entire sector. When setting benchmark targets, this information can be used to equate the company's
competitive positioning to that of its rivals. When comparing industries, liquidity ratio analysis cannot be
as accurate since different companies need different funding structures. When comparing businesses of
various sizes in different geographical locations, liquidity ratio analysis is less accurate.
In this table, there are five 3rd generation and five years Bangladesh Commercial Bank Determinate of
Liquidity rates:
Bank and Year
2015
2016
2017
2018
2019
Mutual Trust Bank
22.32%
16.41%
18.07%
17.13%
17.33%
Bank Asia
19.57%
18.33%
15.74%
13.00%
15.80%
One Bank
19.57%
18.33%
15.74%
13.00%
15.80%
Trust Bank
16.68%
21.92%
15.30%
16.18%
18.59%
Premier Bank
21.13%
16.14%
14.38%
17.64%
19.93%
Table 13: Determinate of Liquidity (Liquid asset/ Total Asset) rates for 3rd
generation Bank in Bangladesh Commercial Bank.
19.57%
18.33%
15.74%
13.00%
15.80%
19.57%
18.33%
15.74%
13.00%
15.80%
16.68%
21.92%
15.30%
16.18%
18.59%
21.13%
16.14%
14.38%
17.64%
19.93%
22.32%
16.41%
18.07%
17.13%
17.33%
DETERMINATE OF LIQUIDITY
Mutual Trust Bank
Bank Asia
One Bank
Trust Bank
Premier Bank
2015
22.32%
19.57%
19.57%
16.68%
21.13%
2016
16.41%
18.33%
18.33%
21.92%
16.14%
2017
18.07%
15.74%
15.74%
15.30%
14.38%
2018
17.13%
13.00%
13.00%
16.18%
17.64%
2019
17.33%
15.80%
15.80%
18.59%
19.93%
Figure 10: Determinate of Liquidity Column Chart.
27
Determinate of Liquidity for 5 Commercial Banks:
Years
Best Bank for Determinate of Liquidity
2015
Mutual Trust Bank.
2016
Trust Bank.
2017
Mutual Trust Bank.
2018
Premier Bank.
2019
Premier Bank.
Table 14: Determinate of Liquidity rates for Best 3rd generation Bank in
Bangladesh Commercial Bank.
28
Chapter 4
Recommendations.
29
I'd like to make some suggestions after completing a three-month internship and studying the liquidity
problem at Mutual Trust Bank and other 3rd generation Commercial banks in Bangladesh. The following
are some suggestions:
4.1 Recommendation on Mutual Trust Bank.
➢ Recruiting Best People
Employees who are talented and hardworking should be recruited. As a result, they will be able to improve
the bank's efficiency and service quality.
➢ Better Customer Service
To attract more customers, better customer service should be offered. If consumers are dissatisfied with
services, the company will suffer a loss.
➢ New Services for Commercial Traders
Customers who are opening letters of credit should be offered some new services. As a result, the bank
would gain a larger number of loyal customers. A tour package, for example, may be offered by a bank.
➢ Comfortable Working Place
The bank should have a broad working space for its workers in order for them to feel at ease. The large
room would also allow the customer to complete their task in a relaxed environment.
4.2 Recommendation on Project.
To keep up with the current market, each bank develops its own strategy to stay afloat. Some place a
premium on the deposit, while others place a premium on increasing the loan amount. Actually, it is
entirely dependent on the bank's current status. With my limited knowledge, it's difficult for me to make
any recommendations for improving their results. However, I came across some interesting observations,
which are as follows:
Bank Asia and Trust Bank are in a good position in terms of capital on total assets (CAP), as they protect
depositors and promote financial stability and reliability. Mutual Trust Bank and One Bank are both seeing
strong capital growth on their total assets. One Bank need to maintain or to take a good policy to recover
CAP.
In terms of nonperforming loans (NPLs), One Bank, Premier Bank, and Bank Asia are in a good position
because they are either completely or partially repaid by the borrower. Non-performing loans (NPL) are
increasing at both Trust Bank and Mutual Trust Bank.
30
Based on the overall report, all of the selected banks' non-funded income is declining, despite the fact that
non-funded income is critical in boosting a bank's profit.
After taking into account all of the evidence, it is clear that Mutual Trust Bank is in a very good position
in the banking industry.
4.3 Recommendation on Internship.
➢ Specify the Work.
The three-month internship is insufficient to learn the workings of a bank, especially the work of the
customer service (general) department. As a result, the internship work should be defined by the
department.
➢ Provide Suitable Working Place.
Interns have a few options at Mutual Trust Bank. Since the bank hires so many interns during the year, it
should have a suitable work environment for them.
➢ Provide Facilities for Learning.
Since bank workers are so preoccupied with their employment, they do not have enough time to show the
intern the details of their work. As a consequence, the learning process is left unfinished. As a result, the
bank should have learning opportunities for the interns.
➢ Provide Printed Pay-Order Slip.
Pay orders are manually written at Mutual Trust Bank. Error is a normal part of life. As a result, certain
issues arise during the writing process, such as misspellings, incorrect addresses, and so on. If the bank
serves a printed pay order, the chances of a mistake are reduced.
31
Chapter 5
Conclusion.
32
In Bangladesh, Mutual Trust Bank is one of the most promising private commercial banks. Despite
offering a broad variety of products and services, Mutual Trust Bank strives to expand its product and
service offerings on a daily basis. Its goal is to provide high-quality financial services that will contribute
to the country's industrialization, export growth, job creation for educated youth, raising the standard of
living of low-income groups, and overall sustainable socioeconomic development. Mutual Trust Bank
Limited has always made every effort to be financially successful. The bank genuinely seeks to please all
of its clients, both individuals and businesses. However, if the bank sets a goal for each of its departments
to please clients, the outcome would be positive. Individuals are dealt with by the general baking and
credit departments. As a result, this department must have distinct facilities for distinct customers. Not
only should the bank consider its clients, but it should also consider its employees as an asset. Employees
should be provided with adequate facilities by the bank. Employees should be provided with a suitable
working environment, a competitive wage, and an exciting bonus. So that they can put in their best effort
in the bank. I analyzed the performance of the five commercial banks in terms of some financial terms
that I am familiar with, but there are some other financial terms that are also important for proper
performance analysis assessment. Since I am not an expert at reviewing annual reports meticulously and
am unfamiliar with every word in the banking industry, there might be some words that are absent from
the comparative review. Whatever research I've done so far, it's obvious that none of the banks are perfect;
each has its own set of flaws. Both of these banks are committed to providing a sufficient supply of credit
to the communities for both legitimate business and consumer financial needs. When comparing Mutual
Trust Bank's success to that of some of Bangladesh's best-performing commercial banks, it can be
concluded that, as a young bank, it is on its way to a bright future. It has been stated that the bank's working
atmosphere is very formal and rigid. Employees of Mutual Trust Bank, on the other hand, have made it
their home and acted as though they were family members. This is an excellent bonding. I expect Mutual
Trust Bank Limited to develop even further in the future if this trend continues.
33
Chapter 6
Reference
34
▪
Home. (2021, February 22). Mutual Trust Bank Limited. https://www.mutualtrustbank.com
▪
Bank. (2019). Annual Report of Mutual Trust Bank Limited. Mutual Trust Bank Ltd.
https://www.mutualtrustbank.com/investor-relations/annual-report/
▪
Wikipedia
contributors.
(2021,
February
24).
Offshore
bank.
Wikipedia.
credit.
Wikipedia.
https://en.wikipedia.org/wiki/Offshore_bank
▪
Wikipedia
contributors.
(2021,
March
21).
Letter
of
https://en.wikipedia.org/wiki/Letter_of_credit
▪
Annual Reports | Trust Bank Ltd. (2019). Https://Www.Tblbd.Com/about-Us/Annual-Reportsand-Statements. https://www.tblbd.com/about-us/annual-reports-and-statements
▪
ONE Bank Ltd. (2021). Https://Www.Onebank.Com.Bd/Home/Financial/Annual-Reports/.
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