Operational Efficiency and Financial Performance of Specialized

Commercial Banks of Bangladesh

Chapter -1 Introduction to the Study
Background:

Scope of the Study:

Objectives:

Broad Objective:
Specific objectives:
Methodology of the Study:
Types of study:
Sources of Data:
Model Used:
Organization of the Report:
Limitations of the Report:

Chapter -2 Overview of Banking Industry in Bangladesh

Banking Sector in Bangladesh:

Introduction:

Number and Types of Banks:

Bangladesh Bank:

Commercial Banks:

Specialized Banks:

Nationalized Commercial Banks (NCBs):

Private Commercial Banks (PCBs):
Foreign Commercial Banks:
Specialized Development Banks:
Other Bank:
Services of the Bank:
Accounts, Current, FDR, PDS, Deposit Scheme:

Current Account:
Savings Bank Account:

Special Services:

Internet Banking:

Home Banking:

Automated Teller Machine (ATM):

Tele Banking:

SWIFT:

Bangladesh: Money and Banking sector review:

Monetary & Credit Policy:

Narrow Money:

Broad Money:

Domestic Credit:

Current Bank deposit and credit:

Chapter -3 Specialized Commercial Banks & Their Operations in Bangladesh

Specialized Commercial Banks & Their Operations in Bangladesh:

Bangladesh Krishi Bank (BKB):

Executive Profile of Bangladesh Krishi Bank:

Board of Directors (BKB):

Executive Profile of (BKB)

Products and Services:

Import Finance:

Export Finance:

Foreign Remittance:

S.W.I.F.T. (Society for Worldwide Interbank Financial Telecommunication):

Role of Bangladesh Krishi bank in Economic Development:

Poverty alleviation and Micro-credit Programs/Projects:

Credit program for the landless and Marginal Farmers:

Beef Fattening Joint Program:

Swanirvar Credit Program:

Small Farmers & landless Laborers Development Project (SFDP):

South Asia Poverty Alleviation Program:

United Nations Capital Development Fund (UNCDF):

Rural Women Employment Creation Project ADB Loan No 1067 BAN (SF):

BKB-NGO Micro Credit Program:

Credit under National Poverty Alleviation Program through Goat Rearing:

Milching Cow Credit Program for the Women:

Special Micro Credit Program for the Disabled:

Monipuri Small Traders Credit Program:

Special Credit Program for the Rakhains under the district of Cox`s Bazar:

Tree Plantation Programs: In 2002 and 2003 BKB has launched 8 Tree Plantation Programs.

Establishment of Breeding Farm of Black Bengal Goat Program:

Community Based Resource Management Project:

Poverty Alleviation through Production and Improvement of Sheep:

Rajshahi Krishi Unnayan Bank Ltd:

Establishment:

Company Overview:

Organizational Structure:

Functions:
Capital:

Management:

Executive Profile of Rajshahi Krishi Unnayan Bank:

Board of Directors (RAKUB):

Key Executives of (RAKUB)

Poverty Alleviation Credit Programs:

Zero Poverty Loan Scheme:

Marginal & Small Farm System Crop Intensification Project (MSFSCIP):

RAKUB Self-help Credit Program (RSCP):

Swanirvar:

Semi-intensive black Bengal goat rearing program:

United Nation Capital Development Fund (UNCDF)

RAKUB-NGO Linkage Program (RNLP):

Pilot Employment Generation Program (PEGP):

Women Entrepreneurship Development program (WEDP):

Shasya Gudam Reen Prokalpo (Food grain godown credit program)

Crop Production:

Livestock and Poultry:

Irrigation Equipment & Farm Machinery:

Agro-industry & Agri-business

Bangladesh Shilpa Rin Sangstha (BSRS):

Introduction:

Executive Profile of Bangladesh Shilpa Rin Sangstha (BSRS):

Board of Directors of Bangladesh Shilpa Rin Sangstha (BSRB):

Role in Bangladesh Shilpa Rin Sangstha (BSRS) Economic Development

Literacy Programs:

Arsenic Programs:

Local Area Arsenic Databank:

Computer Learning Center:

Healthcare/HIV/AIDS Awareness:

Health for Villagers:

Sewing Project:

Rickshaw Programs:
Vocational training:
Handloom:

Micro Credit for Poultry & Livestock:

Food Distribution:

Housing:

Bangladesh Shilpa Bank (BSB):

Introduction:

Establishment and Status of the Bank:

Nature of Business:

Sources of Fund:

Ownership:

Mission:

Management:

Employees Benefit:

Executive Profile of Bangladesh Shilpa Bank:

Board of Trustees, (BSB):

Activities of Bangladesh Shilpa Bank:

Basis of Preparation of Financial Statements:
Consolidation of accounts:

Fixed Assets and Depreciation:

Revenue Recognition:

Loans and Advances:

Foreign Currency Translation:

Provision for Taxation:

Pension Plan:
Special Assistance Fund:
Investment:
Deposits and Other Accounts:

Chapter-4 Ratio Analysis, Trend Analysis, & Comparative Analysis

Ratio Analysis, Trend Analysis, & Comparative Analysis:

Introduction:

Determining the Bank`s Long-Range Objectives:

Maximizing the Value of the Firm: A Key Objective for Any Bank:

To Calculate the Ratio Following Formulas are used:

RATIO ANALYSIS
Ratio Analysis of Bangladesh Krishi Bank:

Ratio Analysis of Bangladesh Shilpa Rin Sangstha:

Ratio Analysis of Bangladesh Shilpa Bank:

Trend Analysis
Trend Analysis of Bangladesh Krishi Bank:
Return on Equity Capital:

Return of Asset:

Net Interest Margin:

Net Non Interest Margin:

Net Bank Operating Margin:

Earning Per Share:

Net Profit Margin:

Asset Utilization:

Equity Multiplier:

Operating Efficiency:

Trend Analysis of Bangladesh Shilpa Rin Sangstha:

Return on Equity Capital:

Return of Asset:

Net Interest Margin:

Net Non Interest Margin

Net Bank Operating Margin:

Earning Per Share of Stock:

Earnings Spread:

Net Profit Margin:

Asset Utilization:

Equity Multiplier:

Operating Efficiency Ratio:

Trend Analysis of Bangladesh Shilpa Bank:

Return on Equity Capital:

Return of Asset:

Net Interest Margin:

Net Non Interest Margin:

Net Bank Operating Margin:

Earning Per Share of Stock (EPS):

Earnings Spread:

Net Profit Margin:

Asset Utilization:

Equity Multiplier:

Operating Efficiency:

Comparative Analysis
Comparative Analysis

Compare Return on Equity Capital (ROE) Ratio:

Compare Return on Assets (ROA) Ratio:

Compare Net Interest Margin Ratio:

Compare Net Non-interest Margin Ratio:

Compare Net Bank Operating Margin Ratio:

Compare Earning Per Share of Stock (EPS) Ratio:

Compare Earning Spread Ratio:

Compare Net Profit Margin (NPM) Ratio:

Compare Asset Utilization Ratio:

Compare Equity Multiplier (EM) Ratio:

Compare Operating Efficiency Ratio:

Chapter-5 Findings of Study

Findings of Study:

Chapter-6 Recommendations & Conclusion

Recommendations:
Conclusion: