Internship Presentation

on
Performance measurement of
ONE Bank Ltd. And Compare to
same generation other two
Banks.

Presented By:
Abu Sayam Chowdhury
Id-1221420
School of Business
Independent University,
Bangladesh

Overview of ONE Bank Ltd.

ONE Bank Limited was incorporated in May, 1999 With the
Registrar of Joint Stock Companies under the Companies
Act.1994, as a commercial bank in the private sector. It is
contributing to the growth of our countrys economy. It is a
progressive commercial bank in private sector.
Vision of ONE Bank:
To establish ONE Bank Limited as a Role Model in the Banking
Sector of Bangladesh.
To meet the needs of their Customers, Provide fulfillment for
their People and create Shareholder Value.
Mission of ONE Bank:
To constantly seek ways to better serve their Customers.
To review all business lines regularly and develop the Best
Practices in the industry.
Working environment to be supportive of Team work.

Job Experience at the Branch

In my internship I was joined in ONE Bank Limited at
Jagannathpur branch Dhaka. I have completed
General Banking and some exposure in advance in
this branch. General Banking is the starting point
and main function of all the banking operations. It is
the department which provides day-to-day service
to the customers.
Different section of the Branch
Accounts opening section.
Foreign Exchange section.
Cash Section.
Clearing section
Loan and Advance Section

Limitations of the study

The employees in The ONE Bank are so much

busy in their responsible fields.

Time provided for conducting the study is another

important constraint.

In case of performance analysis secondary data

are used.

It is difficult to make an information based rich

report in a short time period.

Performance measurement of ONE

Bank and compare with Bank Asia and
Mutual Trust Bank.

Return on assets is an indicator of how

profitable a company is relative to its total
assets.

Return on equity indicates how much profit a company

generates with the money shareholders have invested.

Return on investment measure the amount of return on

investment relative to the investment cost.

Asset management ratio indicates how successfully a

company is utilizing its assets to generate revenues.

Liquidity ratio indicates that a company's ability to pay

off its short-terms debts obligations.

Banking regulators require a minimum capital adequacy

ratio because of absorbing losses before they become
insolvent. This also improves stability in financial
markets and protects deposit-holders.

Price earning ratio gives an idea how much investor are

willing to pay for the companys earning. The higher
price earning ratio indicates the more investor are
willing to pay for the companys earning

Earnings per share are also a calculation that shows

how profitable a company is on a shareholder basis.

Findings
ONE

Banks ROA and ROE are higher than two other

banks. Its means OBL net income from total asset and
shareholder equity are better than Bank Asia and MTBL.

Return

on Investment of ONE Bank is better than Bank

Asia and MTBL. Thats means OBL return on investment
is higher than Investment cost.

Asset

management ratio of ONE Bank is better than

Bank Asia and MTBL. Its means OBL is utilizing its asset
properly.

Findings (con.)

In liquidity ratio of OBL performance is higher

than Bank Asia and MTBL. Its means that OBL
ability to pay off its short term debts obligation is
higher than Bank Asia & MTBL.

The Capital Adequacy Ratio (CAR) of ONE bank is

good. They increase their CAR to fulfill the
requirement of Basel-II guideline provided by
Bangladesh Bank. But The Bank Asia average
CAR is better than OBL and MTBL.

The price earnings ratio of ONE Bank is lower

than Bank Asia and MTBL. That means the
investor are willing to pay for OBL share is lower
than others.

Findings (con.)
EPS

of ONE Bank is good but it is lower than Bank

Asia.

ONE

Bank use ERP software name oracle flex cube.

Some employee do not know the all function of this
software.

Recommendations

Need to do more advertisement

ONE Bank should enhance their ATM

service.

ONE Bank should motivate their

employee properly.

The credit sanction procedure should

be made quicker.

Conclusion
Banking is highly complex service. It is actually a
number of services under one roof. In modern era,
People want to get better product and service from
banking corporation.
In this report its shows that the performance of ONE
Bank is better than Bank Asia and MTBL. It has
already taken out steps to venture more market in
the form of syndication, merchant banking, issuing
credit card etc. There should be more innovation in
the products and services of OBL. By doing so, OBL
can sustain and even improve its sound growth of
profitability in the long run.