mutual trust final

8/13/2019 Mutual Trust Final

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Financial statement Analysis on


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Financial statement Analysis on

Course Name: Managerial Accounting

Submitted To:

Professor Dr. Ayub IslamFaculty of Business Studies

Premier University

Prepared By

Laila Nur ZannatStudent ID# !" !$"!" %" &&%

Semester' !nd()BA* !+ t, Batc,-

Submission Date' ! t, November/ ! %

P(0)I0( UNI10(SI23

45I22A67N6


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1. MTB Profile

2,e 4om8any 9as incor8orated on Se8tember ! / under t,e 4om8aniesAct & as a 8ublic com8any limited by s,ares for carryin: out all ;inds of

ban;in: activities 9it, Aut,orised 4a8ital of 2;. %


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Company Registration No.

4% on Se8tember ! /

Ban:lades, Ban; Permission No.B(PD *P- +&&*+ "% < on 7ctober =/

(e:istered 7ffice ')2B 4entre/ !$ 6uls,an Avenue

)(B ?ris,i is desi:ned for direct lendin: in t,e a:riculture sector. 7nly

eli:ible farmers and a:ri S)0s may a88ly for t,e loan. 4ro8s cultivatiion/fis,eries/ livestoc; @ 8oultry are t,e 8riority sector of lendin:. Features andBenefits '

Loan amount u8 to BD2 %. crore. Loan tenure u8 to = years (ate of interest 8.a *only in case of re"finance from BB- U8 to BD2 =. lac is collateral Free.

0asy re8ayment s,edule. No service c,ar:e c,ar:e or ,idden c,ar:e. 2imely disbursement

SWIFT CODEMTBL BD DH

Corporate Webisite

Mem ers!i"s 4,amber of 4ommerce and Industry/ D,a;a *)44I/ D- 2,e Institute of Ban;er s Ban:lades, *IBB- Ban:lades, Forei:n 0Cc,an:e Dealer s Association *BAF0DA-

Ban:lades, Institute of Ban; )ana:ement *BIB)-International 4,amber of 4ommerce Ban:lades, Limited *I44B-Associate of Ban;ers Ban:lades, Limited *ABB-.


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Ban:lades, Association of Public Listed 4om8anies *BAPL4-American 4,amber of 4ommerce in Ban:lades, *A)45)-

Mission #e as8ire to be one of t,e most admired ban;s in t,e nation and be

reco:niEed as an innovative and client"focused com8any/ enabled by cuttin:"ed:e tec,nolo:y/ a dynamic 9or;force and a 9ide array of financial 8roductsand services.$ision)utual 2rust Ban; s vision is based on a 8,iloso8,y ;no9n as )2B%1. eenvision )2B to be '

7ne of t,e Best Performin: Ban;s in Ban:lades,2,e Ban; of 4,oiceA 2ruly orld"class Ban;)2B Board of Directors

2,e follo9in: are members of t,e )2B Board of Directors. 2o vie9 t,eir brief bio:ra8,ies 8lease clic; on t,e bames.

)r. Samson 5. 4,o9d,ury/ 4,airman

Dr. Arif Do9la/ 1ice 4,airman)r. Syed )anEur 0la,i)r. )o,ammed Abdur (ouf)r. )d. Abdul )ale;)r. (as,ed A,med 4,o9d,ury)r. )d. 5edayetulla,)rs. 3asmeen 5a ue)r. )d. a;iluddin)rs. ?,9aGa Nar:is 5ossain)r. )d. Nasirulla,)r. )a,aboob )ors,ed 5assan)r. Anis A. ?,an/ )ana:in: Dirctor @ 407)2B S)0 Ban;in:)2B B,a:yobati)2B B,a:yobati loan is only for t,e S)0s o9ned by t,e 9omen

entre8reneurs.Feat%res an& Benefits#

Loan amount ran:e BD2 . lac to BD2 = . lac Loan tenure u8 to % years


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(ate of interest 8.a *only in case of re"finance from BB-U8 to BD2 =. lac is collateral free0asy re8ayment sc,edule

No service c,ar:e or ,idden c,ar:e 8rocessin:0asy 8rocessin:.At least one years of business eC8erience.

SWOT Analysis

S 72 Analysis is t,e detailed study of or:aniEationHs eC8osure and 8otential

in 8ros8ective of its stren:t,/ 9ea;ness/ o88ortunity and treat/ 2,is facilitates

t,e or:aniEation to ma;e t,eir eCistin: line of 8erformance and also foresee

t,e future to im8rove t,eir 8erformance in com8arison to t,eir com8etitors.


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By analyEin: t,e 8erformance of t,e ban;/ 9e :et t,e follo9in: stren:t,s/

9ea;ness/ o88ortunity and t,reats *S 72-.

Stren't!s#( )2B ,as an eCcellent re8utation in com8are 9it, t,eir 8eer

:rou8 in mar;et.

All ty8es of unfair @ ille:al business 8ractice are stron:ly

discoura:ed.

From t,e vie9 of education @ eC8erience )2B 0Cecutives are

a88reciable.

)2B offers a bunc, of de8osit 8roducts 9it, attractive

interest rate.

ell":roomed youn: ener:etic 9or;in: force.

orld"class ban;in: decoration.

It is observed t,at )2B is tryin: to follo9 t,e scientific

mana:ement t,eory.

7ccu8yin: is a very im8ortant location.

ell ;no9n cor8orate ,ouse and business concerns are doin:

business t,rou:, )2B.

Wea)ness 4on:ested s8ace

)aGor 8ortion of de8osit is ,i:, cost fund.

Small mar;et s,ares in ban;in: business.

O""ort%nity

5ave a sco8e to increase credit and business.

)ore efficient 0"ban;in:" S)0 ban;in:/ Internet ban;in:/

7nline ban;in:/

2o develo8 better net9or;

Increasin: t,e cor8orate clients


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2ec,nolo:y su88ort im8rove service standard.

Private ban; becomes more reliable to local 8ublic.

5ave o88ortunity to increase mar;et s,are

By doin: social activities/ it can create a :ood im8act on

8ublic mind.

Private can contribute more in t,e economic develo8ment our

county.

8rovide assistance to t,e small business or:aniEations Increased com8etition in t,e mar;et for 8ublic de8osits.

(e:ularity environment favorin: 8rivate sector develo8ment

Sco8e of mar;et 8resentation t,ou:, diversified 8roducts and

9ide ban;in: net9or;.

T!reats#

Ban;in: 2ec,nolo:ies are c,an:in:

0Cistence of ,u:e branc, of deferent ban;s.

7fferin: ,i:,er de8osit rate by ot,er 8rivate ban;s.

)ulti"8ractice Ban;in: by ot,er Ban;

6ovt. im8oses taC and vat on 8rofits

Increased com8etition in online ban;in: sector. 6ovt. restriction on certain ty8es of ban;in: activates.

Deteriorate 0C8ort/ Im8ort and :uarantee business due to

com8etition as 9ell as economic slum8.


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M%t%al Tr%st Ban) Limite&Balance S,eet

As at December % / !

! ! !

Contin'ent Lia ilities 13.

Letter of 6%arantee

Irrevocable Letter of 4redit

Bills for 4ollection

7t,er 4ontin:ent Liabilities


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M%t%al Tr%st Ban) Limite&Profit and Loss Account

For t,e year ended December % / !

0 1 0 2 0 4Pro"erty an& Asset *oteBDT BDT BDTBDTInterest Income .

Less ' Interest Paid on De8osit and Borro9in:/ etc. ! .

*et Interest Income

1, 33,/33,/0- 43 ,1-2,1-2,32/ 3+3,1+-,-3

Income from Investments ! .

4ommission/ 0Cc,an:e and Bro;era:e !!.

7t,er 78eratin: Income !%.

/ ++/ !/


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)ana:in: Director s (emuneration !&.

Directors Fee !


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1,1-3,

+34,242 1, 1+,202,2/4 -+/,300,42-

M%t%al Tr%st Ban) Limite&Profit and Loss AccountFor t,e year ended December % / !

0 1 0 2A""ro"riation *oteBDT BDT

Bonus S,are Issued durin: t,e year

2ransferred to Statutory (eserve

2ransferred to 6eneral (eserve

+ !/ $ /$ =$! /+


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M%t%al Tr%st Ban) Limite&Statement of 4as, Flo9

For t,e year ended December % / !

0 1 0 2 0 4A: Cas! Flo9 From O"eratin' Acti5ities # *ote

BDT BDT BDT

Interest (eceived

Interest Paid on De8osits/ Borro9in:/ etc.

Dividend Income

Fees @ 4ommission Income

(ecoveries of Loans 8reviously 9ritten off

4as, 8aid to 0m8loyees as Salaries and Allo9ances

Advance Income 2aC Paid

4as, (eceived From 7t,er 78erational Income %&.

4as, Paid for 7t,er 78erational 0C8enses %=.

Cas! Flo9 From O"eratin' Acti5ities Before C!an'es in *et C%rrent

Asset 1,+0 ,-41,01 1, -,24 ,20 1,+ /,3+4,13-

C!an'es in *et C%rrent Asset #

Investment in 2reasure Bond

Loans @ Advance

7t,er Asset

%


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Investment in S,ares @ Bonds *&=!/ &/ +-

*%%=/

Purc,ase of Premises @ FiCed Asses *net-

*%$%/=%

(eceived From Issue of (i:,t S,ares "

" !& /&< /

Dividend Paid "

" "

*et Cas! Flo9 From Financin' Acti5ities B>C:

;1,4 /, 04,0+/: -,00 ,-0+,+1+ ;0, /+,13+,-1-:

E: Effect of C!an'es of E7c!an'e 8ates on Cas! an& Cas! E=%i5alents

< Dividend-Stoc;Preferredl*Princi8aPaymentsLeaseInterestPaymentsLease0BI2

+++

+


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(A2I7 ANAL3SIS 7F )U2UAL 2(US2 BAN?

F7( 250 30A( !

Solvency (atios'

. Net or;in: 4a8ital M 4urrent Assets 4urrent Liabilities

M %&=$ !!! " !+ %

M !


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%. 4urrent Asset (atio MAsset2otalAsset4urrent

M $=$&=+&&!&%%&=$ !!!#

M . $ ! $

Profitability (atios'

. Net Interest )ar:in MAsset2otal

0C8enseInterest"IncomeInterest

M$=$&=+&&!&%

%!+&+ M . % +

4omments' Net Ban; 78eratin: )ar:in is TPure because t,eymeasure only t,e 8rofits earned on o8erations and i:nore interest and taCes. A,i:, o8eratin: 8rofit is 8referred. 2,e o8eratin: 8rofit of t,is ban; is better.

So/ it is recommended.%. (eturn on 2otal Assets M ##Asset2otal

2aCAfterProfits Net

M ##$=$&=+&&!&%+== =+

M .%&

4omments' (7A measures t,e overall effectiveness of mana:ementin :eneratin: 8rofits 9it, its available assets. 2,e ,i:,er t,e 8ercenta:e/ t,e


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,i:,er t,e effectiveness of t,e firm. But/ ,ere .%& is relatively satisfactorylevel.

&. (eturn on 0 uity M ##0 uityrsHStoc;,olde2aCesAfterProfits Net

M ##& &=%.

mutual trust final

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