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ACKNOWLEDGEMENT

At first I would like to express my gratitude to Almighty Allah Subhanahu Wa Ta’ ala
for favor for the successful completion of the internship report.
It is a great opportunity to express my profound gratitude and deep regards to my
supervisor Mr. Muhammad Atiqul Islam for his exemplary help, guidance,
monitoring and constant encouragement throughout the course of internship. He
has inspired me a lot by giving a variety of advice in performing fore time to time.
I want to think all officers and non-officers of the Standard Bank Limited,
Nayanpur Branch for helping me during internship period and giving me an
opportunity to learn real life lessons that will help me a long way in my life.

I also take this opportunity to express my profound gratitude and deep regards to
all of my honorable teachers of IBA, University of Rajshahi. All of them have
guided me and inspired me a lot throughout my MBA program. They have
brought about positive changes in my perception of life. All of their classes bring
thousands of new things to learn. Their lessons were a great help to me during
these days and will be the same forever. Their blessings and guidance shall carry
me a long way in my journey in life.

Finally I would like to thank my parents, my brother, best friend and all my well-
wishers who have assisted me by providing necessary data, information. related
to preparing the report and all those who have helped me directly and indirectly
in the full internship session by providing data and giving me courage and support
and taking care of me.

Md Arif Hasan
ACCEPTANCE LETTER

This is to certify that the internship report titled”A Study on Financial


Performance of STANDARD Bank Limited,” has been prepared by Md Arif Hasan
(Roll No. 1810085725), a student of 10th Batch of Master of Business
Administration (MBA) for Bachelor of Business Administration (BBA) Graduates
Program, for the partial fulfillment of the requirements for the degree of MBA at
the Institute of Business Administration (IBA), University of Rajshahi, Rajshahi,
Bangladesh under my supervision.

I wish every success in his life.

Mr. Muhammad Atiqul Islam


Associate Professor
Institute of Business Administration (IBA)
University of Rajshahi,
LETTER OF TRANSMITTAL

Date
Institute of Business Administration (IBA)
University of Rajshahi.
Subject: Submission of internship report on “ A Study on Financial Performance
of STANDARD Bank Limited.”
Sir,
The internship report is prepared on the basis of the financial performance
analysis of STANDARD Bank Limited as a partial fulfillment of the requirements for
internship and for the degree of Master of Business Administration (MBA) as well.
I have worked at STANDARD Bank Limited, nayanpur Branch as an intern for three
(3) months. The joining date was February 25, 2019 and the ending date was may
25, 2019. The purpose of the report is to provide information about the financial
condition of the bank. Here, in this report I have evaluated the financial data
collection from annual report and financial statements to know how well the bank
is performing and in which areas improvement is needed.
I hope that you will find the report satisfactory.
Thanking you.
Yours obediently,

Md Arif Hasan
Roll no: 1810085725
Batch: 10th
Program: MBA for BBA Graduates
Major: Finance
Institution of Business Administration,
University of Rajshahi.

ABSTRACT

The internship report seeks to measure financial performance of STANDARD bank


Limited. The report is descriptive and analytical in nature and conducted based on
the thorough study of the subject matters relying basically on secondary data
sources, mostly collected from the official website of the bank as well as some
other websites of the internet. The data of five years period (1013-2017) has been
collected from annual reports and financial statements of the bank. This report
provides both general and analytical information about the bank. The study
identifies the reasons of changes in sources and uses of funds and measures the
adequacy of capital, quality of assets, efficiency of management, ability of earning
profits and capability of fulfilling short-term obligations. The bank was performing
well in 2015. Inadequate regulatory capital, high percentage of classified loan,
higher expense then income, failure to utilize assets and equity capital while
generation profit and difficulties in maintaining liquidity position caused drastic
deterioration in the bank’s financial condition in later years. Despite of the hostile
financial situation, the bank has started improving in some areas in 2017.
BIBLIOGRAPHY

Books

S.Kevin. Security Analysis and Portfolio Managemen.2nd new Delhi : PHI Learning
Private limited.
Lawrence J.Gitman and Chad J. Zutter. Principal of Managerial finance.14nd.
United State of America
Periodical report of Standard bank limited
“annual report 2013” standard bank limited
annual report 2014” standard bank limited
annual report 2015” standard bank limited
annual report 2016” standard bank limited
annual report 2017” standard bank limited

Report of Bangladesh bank


annual report 2013-2017” Bangladesh bank.
https://www.bb.org.bd/pub/annual/ficsd/2013-2017_bang.pdf
websites
Bangladesh Bank: https://www.bb.org.bd/
Standard Bank: https://www.standardbankbd.com/

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