A Term Paper On

Investment Management on CSE Listed

Company

Chapter-1 :
Introduction
The Chittagong Stock Exchange is the prime bourse of the country. Through
its nonstop highly fault tolerant screen based automated trading system the
exchange has been offering facilities for transparent and highly efficient
provisions for secondary market activities of securities.
Origin of the topic
This term paper originated as an academic requirement of BBA Program.
This is authorized and organized by the department of BBA. After
completion of the program period a student must submit the term paper on
the assigned topic to the Supervisor and to the department. The program is
three months duration. I was assigned to Chittagong Stock Exchange
Limited, to complete the program.
Objective of the study
Objectives of this study are as follows- To present an overview of Chittagong Stock Exchange.
-To identify the trend line of CSE and that of those securities incorporated in
CSE.
-To identify the strength and performance of CSE 5 Banks. .
-To compare among CSE 5 Banks. .
-To develop the practical knowledge by the practical orientation of Work.
Scope of the Study

Scope of the study could be to understand contribution of stock exchange in

economic development of a country. The economy of Ban in gaining in
confidence and scope for development of capital market is gaining ground. If
we can educate the investors regarding risk in management and adopt
suitable legal measure to protect the investors interest, a substantial volume
of saving of masses will flow into capital markets economic growth leads to
increase national incomes and thus savings, which in turn are often channeled
into the capital market.
Limitation of the Study
I have been provided with all necessary information at Chittagong Stock
Exchange Ltd as my level best; but, all required information and data are not
elaborated as a guideline of the report.. Some problems may be terms as
limitations of my study which are given below

Relevant papers and documents were not available sufficiently

In some cases , up to date information or data are not published.

Due some, up to date information or data are not published. reason, the
study limits only on the available published data and certain degree of
formal and inform interview.
Part Two: Conceptual Issues
CHAPTER-2: concept issue
Investment
Generally investment means to invest money any profitable sector.
Investment is an activity that is engaged in by who have saving.

In general sense, investment means the sacrifice of current dollars of future

dollars.
In the financial sense, Investment the commitment of a persons fund to
derive future income in the form of interest, dividend, premiums, pension
benefit.
According to C.P.JONES, Investment means commitment of the fund to one
or more assets will beheld over some future time period.
According to Reilly &Brown An investment is the current commitment of
dollars for a period of the time order to derive future payment that will
compensate the investor for i)the time the fund is the commitment ii)the
expected rate of inflation and iii)the uncertainty of the future payment.
In the end we can say that investment is a commitment of fund made in
the expectation of some positive rate of return over the future time period .
Investment making process
Investment making is the part of investment. Investing has a logical and
making process for successful implementation. Using a defined process when
tackling complicated tasks helps us keep our focus and improves our chances
of success. The following illustration of the Investment Management making
process has been simplified, however it provides a great foundation for
starting your quest for investing knowledge.
Investment making process the foundation in making

Investment

Management. The making processes are the trade-off between expected

return and risk. But numerous separate must be made for organizational
purposes. traditionally making process two step.
Security Analysis for Investment Management

Security analysis involves the valuation and analysis of individual securities

within the broad categories of financial assets. Professional analysts are
employed by institutional investor. A security analyst must be in a position to
understand the various financial statements, as the financial statement is an
important source of information. This way of analyzing the security takes
place from an investor point of view.
Economic analysis
A systematic approach to determining the optimum use of scarce resources,
involving comparison of two or more alternatives in achieving a specific
objective under the given assumptions and constraints. Economic analysis
takes into account the opportunity costs of resources employed and to
measure in monetary terms the private and social costs and benefits of a
project to the community or economy.
Company Analysis
Company Analysis or corporate analysis, refers to actions undertaken for an
in-depth evaluation and to gain an understanding of a particular companys.
Investors conduct company analysis to evaluate securities, gathering
information about the companys profile, products or services and
profitability. It is also called fundamental analysis.
Industry Analysis
An industry analysis is a business function completed by business owners
and other individuals to assess the current business environment. This
analysis helps businesses understand various economic pieces of the
marketplace and how these various pieces may be used to gain a competitive
advantage. Although business owners may conduct an industry analysis

according to their specific needs, a few basic standards exist for conducting
this important business function.
Technical Analysis
Technical analysis is a method in which the analyst never cares about the
value of the security. They decide upon the price movement of the security
based on the price movement of the security in the market. The main factor
that a technical analyst studies is the supply and demand factor.
Part Three: Database
Chapeter-3: Database
Source of information
Different data and information are required to meet the goal of this report.
Those data and information were collected from various sources, such as,
primary and secondary which is showed below:
Primary Sources of Data

Personal observation.

Face to face conversation of the officers.

Face to face conversation of the clients.

Working at different desks of the R&D.

Secondary Sources of Data

Annual term paper of Chittagong Stock Exchange

Monthly Review of Chittagong Stock Exchange

Several kinds of Academic test-book.

Different publications regarding Stock Exchange function

Website of CSE
Method of collection Data
The collect data are two kind are qualitative and quantitative. Qualitative data
are quality, mistake and good things. Quantitative data are power and usage
etc.
Reliability of Data
This data are reliable because this data are source of primary and secondary
data. All data are collect website and phsicially. And all data collect
reliable source .So all data trust and reliable.
Method used in the study
We used qualitative and quantitative both data. the theory part use qualitative
data and the math part we use quantitative data. Both data are use for this
term paper.
Part-4 : Finding of the Study
Chapter-4: Economic Analysis
Global Economy
Now 2013 the global economy is going to start recover. This time the global
Economic climate is much better this year than last year, but the recovery is
fragile and timid. The International Monetary Fund forecasts 3.5% GDP
growth for the global economy in 2013. The recovery as fragile and timid

because the Euro zone is prone to political crisis and slow decision-making
processes. Some good policy decisions have been made in the various corners
of the world, including by central banks In 2013, they have to keep the
momentum. Europe to operational the new tools policy-makers have recently
devised, including Europes banking union..
Bangladesh Economy
Now Bangladesh economic position is not good but last year economic is
soso. The economic position bad cause political situation. But GDP of
Bangladesh grew by 6.3% in Fiscal Year 2012. While export growth slowed
sharply, private consumption held up well, supported by a recovery in
remittance growth and healthy credit flows. Agricultural growth slowed to
only 2.5% because of higher production costs, mainly from higher power,
fuel, and fertilizer prices. Industry grew robustly by 9.5%, boosted by
construction and small-scale manufacturing for the domestic market. Service
sector growth stood at 6.1%.
PESTEL Analysis
The mission of Pestel-Analysis.com is to provide access to the top
international risk analysis information available online. Brought to you by
Communication 18 Ventures, we aggregate data that assists you in your
PESTEL research. One must use accurate and relevant information when
analyzing the Political, Economic, Social, Technical, Environmental, and
Legal aspects of a country, whether it is ones own country, or one foreign to
theirs.
Political
Political factors are basically to what degree the government intervenes in the
economy. Specifically, political factors include areas such as tax policy,

labour law, environmental law, trade restrictions, tariffs, and political

stability.). Furthermore, governments have great influence on the health,
education, and infrastructure of a nation. Now political situation is not good.
often different political parties called strike. so bank political is not good but
not bad.
Economic
Economic factors include economic growth, interest rates, exchange rates and
the Economic factors include economic growth, interest rates, exchange rates
and the inflation rate. These factors have major impacts on how businesses
operate and make decisions. For example, interest rates affect a firms cost of
capital and therefore to what extent a business grows and expands. Exchange
rates affect the costs of exporting goods and the supply and price of imported
goods in an economic. These factors have major impacts on how businesses
operate and make decisions.
Social
Social factors include the cultural aspects and include health consciousness,
population growth rate, age distribution, career attitudes and emphasis on
safety. The five Banks have contributed different social activities. They are
awarded scholarship to the brilliant student They have also awarded
scholarship to the poor brilliant student. They have distributed blanket to the
helpless people of different areas of country in the winter season
Technological
Technological factors include technological aspects such as R&D activity,
automation, technology incentives and the rate of technological change. They
can determine barriers to entry, minimum efficient production level and
influence outsourcing decisions. Furthermore, technological shifts can affect

costs, quality, and lead to innovation. The five banks have online Remittance
management system and successfully implemented a online Banking Solution
thought its branches.
Legal
Legal factors include discrimination law, consumer law, antitrust law,
employment law, and health and safety law. These factors can affect how a
company operates, its costs, and the demand for its products. The five banks
have legal it comply with law society codification of right.
Chapter- Industry Analysis
PORTERS 5 forces model
Porters 5 forces industry analysis. Porters model is based on the insight that
a corporate strategy should meet the opportunities and threats in the
organizations external environment. Especially, competitive strategy should
base on and understanding of industry structures and the way they
change.Porter has identified five competitive forces that shape every industry
and every market. These forces determine the intensity of competition and
hence the profitability and attractiveness of an industry. The
Bargaining power of buyers
An advantage to consumers that comes from gathering together to put
collective pressure on producers to lower prices or improve quality. The
bargaining power of buyers typically has the strongest effect on pricing when
buyers are organized and they collectively account or much of the producers
income, they are interested in a product that has an excess of supplier, and
they are interested in making substantial purchases. But banks have no
bargaining power of buyer. That means we are no bargaining with the bank.

Bargaining power of suppliers

Advantage that result when (1) suppliers are concentrated it is, however,
usually illegal for them to openly or secretly form a cartel . (2) too few goods
are chased by too many buyer, (3) a suppliers goods are unique or highly
differentiated with few or no substitutes, (4) suppliers are forward integrated
(see forward integration and/or (5) high costs are involved in switching
from one supplier to another .the bank have bargaining power of supplier.
that mean the banks are bargaining with supplier. Supplier competition
ability to forward vertically integrate and cut out the buyer. The bargaining
power of suppliers is also described as the market of inputs.
Threat of new entrants
threat of new entrants refers to the threat new competitors pose to existing
competitors in an industry. A profitable industry will attract more
competitors looking to achieve profits. If it is easy for these new entrants to
enter the market if entry barriers are low this poses a threat to the firms
already competing in that market. The banks have threat of new
entrants. The banks have brand equity, capital requirements, Access to
distribution, Switching costs , Customer loyalty to established brands,
Absolute cost . Industry profitability; the more profitable the industry the
more attractive it will be to new competitors.
Threat of substitute products or services
The existence of products outside of the realm of the common product
boundaries increases the propensity of customers to switch to alternatives.
The banks have threat of substitute product or services. Buyer propensity to
substitute Relative price performance of substitute Buyer switching costs
Perceived level of product differentiation Number of substitute products

available in the market Ease of substitution. Information-based products are

more prone to substitution, as online product can easily replace material
product
Competitive Rivalry between Existing Players
This force describes the intensity of competition between existing players
(companies) in an industry. High competitive pressure results in pressure on
prices, margins, and hence, on profitability for every single company in the
industry. Competition between existing players is likely to be high. For most
industries, the intensity of competitive rivalry is the major determinant of the
competitiveness of the industry. There are many players of about the same
size, Players have similar strategies
Chapter-6 Company Analysis
SWOT Analysis
SWOT analysis is the detailed study of an organizations exposure and
potential in perspective of its strength, weakness, opportunity and threat. This
facilitates the organization to make their existing line of performance and
also foresee the future to improve their performance in comparison. As
though this tool, an organization can also study its current position, it can
also be considered as an important tool for making changes in the strategic
management of the organization.

Strength

Weakness

Opportunity

Threat

SWOT Analysis of National Bank

Strengths
-

National Bank Limited has already established a favorable reputation

in the banking industry of the country. It is one of the leading private sector
commercial banks in Bangladesh.
-

National Bank Limited has already achieved a high growth rate

accompanied by an impressive profit growth rate in 2001.

-

National Bank has the reputation of being the provider of good quality

service too its , potential customer.

Weaknesses
-

The main important thing is that the bank has no clear mission

statement and strategic plan.

-

The banks have any long-term strategies of whether it wants to focus

on retail banking or become a corporate bank.

-

The bank failed to provide a strong quality recruitment policy in the

lower and some mid level position.

-

The poor service quality has become major problem for the bank. The

quality of the service at National Bank is higher than Dhaka Bank or Prime
Bank.

The bank main weakness is having a group of unsatisfied employees.

Opportunity
-

National Bank reduces the business risk and Bank has to expand their

business portfolio.
-

Starting merchant banking the activity in the secondary financial

market has direct impact on the primary financial market.

-

National Bank must expand its product line to enhance its sustainable

competitive advantage.
Threats:
-

All sustain banks and upcoming foreign, private banks posses

enormous threat to National Bank Limited.

-

If that happens the intensity of competition will use further and banks

will have develop strategies to compete against an on slough of foreign the

banks.
-

The default risks of all terms of loan have to be minimizing in order to

sustain in the financial market.

SWOT-Analysis of National Credit &Commerce Bank NCCB
Strengths
-

NCC Bank Limited has already established a favorable reputation in

the banking industry of the country. It is one of the leading private sector
commercial banks in Bangladesh.

NCC Bank has already achieved a high growth rate accompanied by

an impressive profit growth rate in 2001.The number of deposits and loan

and advances are also increasing rapidly.
-

NCC Bank Limited has the reputation of being the provider of good

quality service too its, potential customer.

-

NCC Bank has interactive corporate culture. The working environment

is very friendly, interactive and informal.

Weaknesses
-

Not proper utilization of banking system and important thing is that

the bank has no clear mission statement plan.

-

The banks have any long-term strategies of whether it wants to focus

on retail banking or become a corporate bank.

-

The bank failed to provide a strong quality recruitment policy in the

lower and some mid level position.

-

The poor service quality has become major problem for the bank. The

quality of the service at National Bank is higher than Dhaka Bank or Dutch
Bank but The bank has to compete with multinational Bank located here.
Opportunity:
-

NCC bank reduces the business risk and Bank has to expand their

business portfolio.
-

Starting merchant banking the activity in the secondary financial

market has direct impact on the primary financial market.

Opportunity in the retail banking lies in the fact that country increased

population is gradually learning to adopt consumer finance.

Threats
-

All sustaining multinational banks and upcoming foreign, private

banks significant threat to NCC Bank Limited.

-

The default risks of all terms of loan have to be minimizing in order

to sustain in the financial market.

-

If that happens the intensity of competition will rise further and banks

will have to
Develop strategies to compete against these local and foreign banks.
SWOT-Analysis of One bank
Strengths
-

One bank has already established a role mode in the Banking sector of

Bangladesh.
-

It is one of the leading private sector commercial banks in

Bangladesh.
-

One Bank has already achieved a high growth rate accompanied by an

impressive profit growth rate in 2001.

-

The bank is number of deposits and loan and advances are also

increasing rapidly.
value.

The banks provide fulfillment for our People and create shareholder

Good working environment.

Weaknesses
-

No clear mission statement plan.

The banks have any long-term strategies of whether it wants to focus

on retail banking or become a corporate bank.

-

This is a weakness of one bank that it is having a group of unsatisfied

employees.
-

The bank has lack of motivation exists in person filling those position.

The poor service quality has become major problem for the bank. The

quality of the service at National Bank is higher than Dhaka Bank or Dutch
Bank.
Opportunity:
-

In order to reduces the business risk.

The bank management can consider options of starting merchant

banking or diversify into leasing and insurance sector.

-

Merchant Banking activity in the secondary financial market has

direct impact on the primary financial market.

-

Investment in the secondary market governs the national economic

activity.
Threats
-

Default risks of all terms of loan have to be minimizing in order to

sustain in the financial market.

Because default risk the organization may be become bankrupt One

bank has to remain vigilant about this problem so that proactive strategies are
taken to minimize this problem if not eliminate.
-

The low compensation package of the employees from mid level to

lower position is not able to keep the employee motivation.

Premier Bank SWOT Analysis
Strengths
-

The Bank has a clear vision towards its ultimate destiny- to be the best

amongst the top financial institutions.

-

The bank to be the most caring and customer friendly provider of

financial services, creating opportunities for more people in more places.

-

The bank to ensure stability and sound growth whilst enhancing the

value of shareholders.
-

Primer bank to provide congenial atmosphere which will attract

competent work force that will proud and eager to work for the Bank.
Weaknesses
-

No clear vision.

The bank has to follow aggressive marketing campaign.

The bank has to aggressively adopt technology.

Long term strategies not enough. aggressively adopt technology

Opportunity:
-

Service first is not just an abstraction; we mean it. It holds a

central focus in our operation.

-

Discharge of quick & quality service is the hallmark for banking

standard.
-

The bank is a good understanding with them, while carrying out

business transactions, helps us perceive their goals and thus, enable to

respond pro-actively to their financial needs.
Threats
-

Competitors are using several new marketing policies to attract the

customer.
-

They obey ethical standard in all operation.

Competitors are offering innovative new products and services.

Upcoming of new commercial banks, leasing companies and merchant

bank etc. they all are competitors.

-

The bank Expertise, efficiency and experience in Management

Prime bank SWOT-analysis

Strengths
-

Adequate capitalization.

Good profitability. This banking is introduced on line banking.

It provides quick and prompt service to its customer.

Bank quickly expanding its business all over the country.

T 24 has been implemented at the branch.

It is located at a convenient place of the city.

Weaknesses
-

Long term investment is not sufficient.

Lack of experienced employees in junior level management.

Shortage of lower level manpower.

Capital resources are short for its investment.

Has not yet expanded its network in rural areas.

Insufficient workforce.

Opportunity:
-

Launching own master card-Credit service.

It can expand its network in rural areas.

Potential to expand franchise bases on customer.

Internet and SMS Banking.

Opportunity to take market share from rivals by offering new

innovative product or service.

-

Clients reliability on MTBL is growing day by day on the bank.

Threats:
-

Very competitive market.

Central Banks policies sometime are not in favor of the private banks

policies.

Entry of new commercial banks, leasing companies and merchant

bank etc. they all are competitors.

-

Competitors are offering innovative new products and services.

Competitors are using several new marketing policies to attract the

customer.
Chapter 07: Ratio analysis
Risk analysis
Business risk analysis
Business analysis is a technique to identify and assess factors that may
jeopardize the success of a project or achieving a goal. This technique also
helps to define preventive measures to reduce the probability of these factors
from occurring and identify to successfully deal with possible negative
effects on the competitiveness of the company.
Financial risk analysis
Financial risk analysis the practice of creating economic value in a firm by
using financial instruments to manage exposure to risk, particularly credit
risk and market risk. Other types include Foreign exchange, Shape,
Volatility, Sector, Liquidity, Inflation risks, etc
Financial risk analyses are two kinds. These are
1)

Degree of Operating Leverage DOL

2) Degree of Financial Leverage DFL

Credit risk

Credit risk refers to the risk that a borrower will default on any type of debt
by failing to make payments which it is obligated to do. The risk is primarily
that of the lender and includes lost principal and interest, disruption to cash
flows, and increased collection costs. The loss may be complete or partial and
can arise in a number of circumstances
Degree of Operating Leverage DOL
A type of leverage ratio summarizing the effect a particular amount of
operating leverage has on a companys earnings before interest and taxes
(EBIT). Operating leverage involves using a large proportion of fixed costs to
variable costs in the operations of the firm. The higher the degree of
operating leverage, the more volatile the EBIT figure will be relative to a
given change in sales
Degree of Financial Leverage DFL
A leverage ratio summarizing the affect a particular amount of financial
leverage has on a companys earnings per share (EPS). Financial leverage
involves using fixed costs to finance the firm, and will include higher
expenses before interest and taxes (EBIT). The higher the degree of financial
leverage, the more volatile EPS will be, all other things remaining the same.

Current ratio
The current ratio is the best known ratio of financial analysis. It presents in
relative terms what net working capital measures in absolute terms.

Quick ratio:
The quick ratio, also known as the acid-test ratio, is a liquidity ratio that is
more refined and more stringent than the current ratio.

Cash ratio
The cash ratio is the most conservative of the three liquidity ratios covered in
this article. As the name implies, this ratio is simply the ratio of cash and
equivalents compared to current liabilities

Debt ratio
Debt ratio measures the percentage of total funds in the business provided by
its creditors.

Return on asset
The return on assets (ROA) percentage shows how profitable a companys
assets are in generating revenue.

Debt Equity Ratio

The debt-to-equity ratio (D/E) is a financial ratio indicating the relative

proportion of shareholders equity and debt used to finance a companys
assets

Priceearnings ratio

The price-to-earnings ratio, or P/E ratio, is an equity valuation measure

defined as market price per share divided by annual earnings per share.
7.6

Ratio analysis

Current ratio
Company name

2009

2010

2011

National bank Limited

2.25

2.26

NCC Bank Limited

2.46

3.53

1.18

One Bank Limited

6.77

27.77

11.40

Premier Bank Limited

2.18

4.11

Prime bank Limited

12.27

0.35

1.26

Quick ratio
Company name

2009

2010

2011

National bank Limited

2.25

2.26

NCC Bank Limited

2.46

3.53

1.18

One Bank Limited

6.77

27.77

11.40

Premier Bank Limited

2.18

4.11

Prime bank Limited

1.27

.35

1.26

Cash ratio
Company name

2009

National bank Limited

2010

2011

17.68

2.11

NCC Bank Limited

1.99

3.73

1.57

One Bank Limited

5.90

22.35

0.73

Premier Bank Limited

1.86

1.55

Prime bank Limited

0.355

2.47

1.23

Return on asset
Company name

2009

National bank Limited

2010

2011

3.6%

5.08%

NCC Bank Limited

2.61%

2.84%

2.61%

One Bank Limited

4.37%

5.92%

4.54%

2.63%

2.30%

2.37%

2.07%

Premier Bank Limited

Prime bank Limited

2.16%

Price earning ratio

Company name

2009

National bank Limited

2010

2011

14.14 times

12.54 times

NCC Bank Limited

13.28times

18.76 times

26.57 times

One Bank Limited

12.97 times

12.58 times

12.50 times

Premier bank Limited

8.85 times

10.67 times

Prime bank Limited

16.60 times

12.02 times

9.48 times

Debt ratio
Company name

2009

National bank Limited

2010

2011

87%

85.37%

NCC Bank Limited

90.84%

88.80%

88.79%

One Bank Limited

93.20%

91.71%

90.61%

Premier Bank Limited

90.20%

90.61%

Prime bank Limited

90.23%

90.42%

Debt equity ratio

Company name

2009

National bank Limited

2010

2011

29.28%

85.8%

NCC Bank Limited

98.10%

97.58%

99.78%

One Bank Limited

93.20%

91.71%

90.61%

Premier Bank Limited

90.94%

95.22%

Prime bank Limited

90.23%

80.67%

86.07%

2009

2010

2011

Degree of Operating Leverage

Company name

National bank Limited

1.32

.737

NCC Bank Limited

1.48

1.22

1.68

One Bank Limited

3.93

.41

.424

Premier Bank Limited

1.72

1.03

Prime bank Limited

.454

.441

3.51

2009

2010

2011

2.09

1.90

Degree of financial leverage

Company name
National bank Limited
NCC Bank Limited

1.62

1.74

1.57

One Bank Limited

2.33

.166

2.05

Premier Bank Limited

1.46

1.89

Prime bank Limited

.163

1.71

1.58

Z-score
National bank Limited
Year

T1

T2

T3

T4

z-score

zone

2010

0.0435

0.0302

.753

0.127

1.02

Distress

2011

0.039

0,0302

.075

0.11

.9748

Distress

National bank is Distress.

NCC Bank Limited
Year

T1

T2

T3

T4

z-score

zone

2009

.0344

.0169

.187

.089

1.63

Grey

2010

.0098

.0183

.057

.105

1.15

Grey

2011

.5644

.0218

.1014

.067

4.49

Safe

NCC Bank is grey and safe.

One Bank Limited
Year

T1

T2

T3

T4

z-score

zone

2009

.081

1.26

.058

0.60

5.09

Safe

2010

.0917

0.23

.0416

0.90

5.09

Safe

2011

.0965

0.018

.424

.103

6.33

Safe

One Bank safe Zone.

Premier Bank Limited

Year

T1

T2

T3

T4

z-score

zone

2009

0.048

0.0171

0.0518

0.0895

1.30

Grey

2010

.097

.020

.071

.080

1.23

Grey

Premier Bank is grey zone.

Prime bank Limited
Year

T1

T2

T3

T4

z-score

zone

2009

.034

.067

.081

.077

1.65

Grey

2010

0.0628

0.176

.296

1.21

4.56

Safe

2011

0.145

.140

.0582

..104

2.09

Safe

Prime bank is Grey and Safe zone.

Part -5 Decision Making and Conclusion
Chapter-8: Decision making and conclusion
Decision making
Company name

Future prospect based on risk

different ratio
National bank Limited

This Bank ratio analyses is The bank ratio is risky and

so so. But z-score are not other thing is not good. But

good .they have not big A category bank but bank

profit so this bank is risky

more risk.

Because this bank ratio

falls compare two or three
year.
NCC Bank Limited

The NCC BL is

ratio The bank less risk because

1st time not good but last this bank position up to

year this bank ratio is so down.
good.
And compare 3 year bank
ratio down then up.
So this bank less risky.
The bank ratio is good

One Bank Limited

The one bank is position is The bank less risk but ratio
best.
And 3 year ratio compare
good.
So bank is less risky.

position medium and good.

Premier bank Limited

The bank position is not bad. T he bank is not more risk

The

year

ratios

are and

medium.

position

of

medium

So bank are not more

risky.
Prime bank Limited

The bank position is not bad. The bank is less risk.

the 3 year ratio medium
,good and medium.
So bank is not more risky

Conclusion
The Chittagong Stock Exchange is the prime bourse of the country. Through
its nonstop highly fault tolerant screen based automated trading system the
exchange has been offering facilities for transparent and highly efficient
provisions for secondary market activities of securities. I had the opportunity
to work for this organization during my internship program. I was placed at
the of CSE main office, Stock Exchange Building ,9E motijheel. During this
time I got opportunity to observe the overall activities process of the
CSE specially about CSE performance and potential Banks. of CSE .

The overall performance of 5 bank is satisfactory than the all other listed
Banks. .

Companys corporate governance is efficiently and trying there level best.

The CSE has been able to attract a significant volume of foreign funds and
the number of foreign investor is growing day by day .
Reference

bank

INVESTMENTS , Jones

PRINCIPAL MANAGERIAL FINANCE, LAWRANCE J. GITMA

Annual report 2011, National Bank Limited.

Annual report 2011, One Bank Limited

Annual report 2010, One Bank Limited

Dhaka Stock exchange.

Annual report 2009,Prime Bank Limited

Annual report 2010,Prime Bank Limited

Bibliography

www.csebd.com

www.onebank.com

www.primebank.com

www.premierbank.com

www.nationalbank.com

www.nccbl.com