Executive Summary
This report is an essential requirement for acquiring a Bachelor of Business Administration
(BBA) degree from Jahangirnagar University. Every student must complete the necessary
credit hours and gain practical exposure in a real-world work environment under the guidance
of an honorable teacher. I consider myself fortunate to have had the opportunity to work on
this report focusing on BRAC Bank PLC.
BRAC Bank PLC is a scheduled commercial bank in Bangladesh, established in 2001 with
the primary objective of providing comprehensive banking services to individuals,
businesses, and corporate clients. The bank is known for its strong emphasis on SME
banking, corporate banking, retail banking, and financial inclusion, making it one of the
most dynamic financial institutions in the country.
The principal activities of BRAC Bank include deposit banking, loans and advances, trade
finance, export and import services, international remittances, and investment banking.
The bank also provides digital banking solutions, ensuring seamless financial services for
its customers.
The first part of this report presents the background, objectives, significance, and
methodology used to prepare the report. It provides an introduction to the importance of
financial analysis and the approach taken in the study.
The second part gives an overview of BRAC Bank PLC, including its mission, vision,
core values, products, and services. This section highlights the bank's commitment to
customer satisfaction, innovation, and financial inclusion.
The third part focuses on an in-depth financial performance analysis of BRAC Bank from
2019 to 2023, using data from annual reports. The analysis includes horizontal, vertical,
and ratio analyses to evaluate the bank’s profitability, liquidity, efficiency, and solvency
over the five-year period.
Finally, the last part of the report addresses key issues identified during the financial
analysis and provides recommendations for improvement. These suggestions are intended
to help BRAC Bank's management take proactive measures to enhance financial
performance and strategic decision-making. A conclusion is drawn to summarize the findings
and insights from the overall study.
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