Measuring and evaluating performance of

Brac Bank Limited

 Group Introduction

Student Name Student ID

Zakir Hossain 2017-2-10-205

Shurovi Akter Urmi 2019-1-10-037

Anika Tabassum Maisha 2019-1-10-242

Nazmul Hasan 2019-1-10-118

Abida Shahana Shoshe 2019-1-10-107

Maktuma Alam 2019-1-10-296

 Introduction

 It was founded on April 04, 2001, with the view to reach

the large group of unbanked people

 It took inspiration from its parent organization BRAC

which is the largest NGO in the world

 Today it has187 branches, 375 ATM booths, 457 SME

unit office, 481 agent banking outlets all over Bangladesh
Liquidity, Funding (including subordinated Debt) & balance
sheet comparison 
Total Deposits to Total Assets
 Profitability

Formula:- Profitability = Net Income / Formula:- Profitability = Net Income /

Average Total Assets Average Shareholder Equity
Profitability

Formula:- Profitability = Net Formula:- Profitability = Net Income

Interest Income / Average Interest / Average Risk Weighted Assets
Earning Assets
Asset Quality

Loan Loss Provision to Gross Loan

Loan Loss Provision to Pre-Provision
Loan Loss Provision to Gross Loan
Income
3.02% 3.03% Loan Loss Provision to Pre-Provision Income

2.30% 96.11%
89.04%

61.13%

2019 2020 2021 2019 2020 2021

 Asset Quality

Lease to Gross Loan

Loan Loss Reserves to Gross Loan
Lease to Gross Loan
Loan Loss to Gross Loan

3.99% 3.90%
0.48%
0.45%

2.93%

0.26%

2019 2020 2021

2019 2020 2021

 Efficiency

Efficiency
70.00%

61.07%
60.00%
53.48%
50.22%
50.00%

40.00%

30.00%

20.00%

10.00%

0.00%
2019 2020 2021
 Capital Adequacy

Chart Title
2021.5 14.00%

2021 13.80%

13.60%
2020.5
13.40%
2020
13.20%
2019.5
13.00%
2019
12.80%

2018.5 12.60%

2018 12.40%
1 2 3

Year Capital Adequacy

 Findings

 BRAC Bank’s loan loss provision to gross line indicates bad sign because it
increasing year by year.
 In 2021, loan loss provision to pre-provision income ratio was good because the
ratio was lower than 2020.
 Loan loss reserves to gross loan graph shows downward trend which is better for
the bank.
 In 2021, lease to gross loan was decreased.
 BRAC Bank is not able to efficiently generate profit by using its assets, equity,
interest earning assets, risk weighted assets.
 Efficiency Ratio is decreasing day by day which is really good for Brac Bank.
 BRAC Bank’s Liquid Assets to Total Assets Ratio percentage has decreased since
2019 because of Covid-19.
 Conclusion

Current Market Scenario Of BRAC

BANK

Result of the Study

Thank you
