http://ar.cou.ac.bd:8080/xmlui/handle/123456789/371 2026-09-06T22:59:59Z 2026-09-06T22:59:59Z Jaber Islam, Mohammad http://ar.cou.ac.bd:8080/xmlui/handle/123456789/376 2026-08-04T05:31:45Z 2026-04-20T00:00:00Z

partial fulfillment of the requirements for the Degree of Bachelor of Business Administration (BBA) Jaber Islam, Mohammad Sonali Bank PLC, one of the largest state-owned commercial banks in Bangladesh, plays a significant role in the country’s financial system and overall economic development. As a government-owned institution, the bank operates an extensive network of branches across both urban and rural areas, providing a wide range of banking services to individuals, corporate clients, and public sector organizations. In this context, the profitability of a bank is considered a key indicator of its financial performance and long-term sustainability. This report focuses on analyzing the determinants of profitability of Sonali Bank PLC, with particular emphasis on Return on Equity (ROE) as a measure of financial performance. The study is conducted based on financial statement analysis, relevant statistical data, and selected financial ratios over the period from 2015 to 2024. It examines how various bankspecific and macroeconomic variables, including Loan to Deposit Ratio (LDR), Cash Reserve Ratio (CRR), Statutory Liquidity Ratio (SLR), Non-Performing Loan Ratio (NPLR), Capital Adequacy Ratio (CAR), bank size, and inflation, influence the profitability of the bank. The analysis applies regression techniques along with other statistical tools to identify the relationship between these variables and ROE. The findings reveal that certain variables, particularly capital adequacy and loan utilization, have a significant impact on profitability, while others show weaker or insignificant relationships. Overall, the results indicate that Sonali Bank PLC has experienced moderate profitability during the study period, with fluctuations influenced by both internal management factors and external economic conditions. Despite its strong presence in the banking sector, the study highlights several areas that require improvement to enhance profitability. The bank needs to strengthen its credit risk management practices to reduce the level of non-performing loans, which negatively affect earnings. In addition, improving the efficiency of asset utilization and ensuring an optimal balance between liquidity and lending activities are essential for increasing returns. Furthermore, the adoption of modern banking technologies, effective cost management, and diversification of income sources can contribute to better financial performance. By addressing these issues, Sonali Bank PLC can improve its profitability and maintain a sustainable position in the competitive banking industry.

2026-04-20T00:00:00Z Afrose, Usmita http://ar.cou.ac.bd:8080/xmlui/handle/123456789/372 2026-08-04T05:17:46Z 2026-04-20T00:00:00Z

partial fulfillment of the requirements for the Degree of Bachelor of Business Administration (BBA) Afrose, Usmita Credit risk cannot be eliminated completely but this trouble can be minimized or prevented, the banks must take corrective steps to measures to address this problem of non-performing loan. Some incentives can be offered which will motivate the payers to pay the loan and not make it bad loan. Some incentives such as interest exemption, lowering the interest rates and expansion of duration of loan repayment could help to minimize this his problem. The empirical analysis of these research study has asserted that non-performing loan drastically hampers the pace of financial performance or profitability which enables the researcher to suggest that appropriate measures should be taken into consideration. Fixed effect model and pooled OLS model is depicted in this study. From the analysis it is found that for sustaining in the long run, these factors influencing the explained variables, should be the in the focus of the competent authority so that the financial performance or profitability is maintained appropriately. For a developing economy of Bangladesh these troublesome activities should be addressed. Previous researchers have generated several findings and concluded with the suggestion that non-performing loan should be handled appropriately with a view that it would balance the financial performance of the state-owned banks. The study's results have pointed out a number of important interactions for the regulatory and management spheres of the banking sector in Bangladesh. It is also possible that the banks following the Basel III capital and liquidity buffer standards will realize the shocking bad debts less, thereby gradually gaining the confidence of the entire financial system. The results also indicate that, particularly for the large banks, improvements in cost efficiency through technology, digital, and governance changes are going to be the way out. To be on the safe side during interest rate fluctuations, it might be a good idea to have an income mix that includes not only interest but also fintech ventures among others. Finally, the highlighted factor is that the effective credit risk management can help balancing sustainable development and financial indicators such as both the bank specific and macro factors influence the profitability and credit risk of the state-owned banks of banks of Bangladesh.

2026-04-20T00:00:00Z