http://ar.cou.ac.bd:8080/xmlui/handle/123456789/322 Sun, 06 Sep 2026 22:59:09 GMT 2026-09-06T22:59:09Z http://ar.cou.ac.bd:8080/xmlui/handle/123456789/398 Impact of Liquidity Management on the Financial Performance of Selected State-Owned Commercial Bank in Bangladesh Hasan, Mehedi This study looks at how certain state-owned commercial banks in Bangladesh perform financially in relation to liquidity management. Because it guarantees banks' capacity to fulfill short-term obligations while retaining profitability, liquidity management is an essential part of banking operations. The study examines the connection between financial performance as determined by Return on Assets (ROA) and liquidity indicators, with a focus on three significant state-owned banks. Panel data spanning several time periods was gathered from annual reports and secondary sources in order to accomplish the goals. Credit to Deposit Ratio (CDR), Current Ratio (CR), Loan Ratio (LR), and Statutory Liquidity Ratio (SLR) are important liquidity metrics employed in the study. Using Stata software, a number of statistical methods were used, including descriptive statistics, correlation analysis, regression analysis (Pooled OLS and Random Effects), variance inflation factor (VIF), heteroskedasticity test, and Hausman test. The results show that bank profitability is significantly impacted by liquidity management. In particular, there is a negative and statistically significant correlation between ROA and the Credit to Deposit Ratio (CDR) and Statutory Liquidity Ratio (SLR), suggesting that higher regulatory liquidity and excessive lending lower profitability. However, there are positive but statistically insignificant correlations between financial success and the Current Ratio (CR) and the Loan Ratio (LR). The Random Effects model seems more suitable for this investigation, according to the Hausman test. Overall, the study comes to the conclusion that improving the financial performance of Bangladesh's state-owned commercial banks requires preserving an ideal balance between profitability and liquidity. The findings have significant ramifications for policymakers and bank management in creating efficient liquidity management plans. Mon, 20 Apr 2026 00:00:00 GMT http://ar.cou.ac.bd:8080/xmlui/handle/123456789/398 2026-04-20T00:00:00Z http://ar.cou.ac.bd:8080/xmlui/handle/123456789/396 Trend of Profitability and Liquidity of Janata Bank PLC Saidul Hasan, Md. This internship report explores how the profitability of Janata Bank PLC, which is one of the largest state-owned commercial banks in Bangladesh, is determined by factors that are specific to the bank. The research encompasses 15 years of 2010-2024, and the collected secondary data is the annual report published by the bank. The independent variables are the Non-Performing Loan Ratio (NPLR), Statutory Liquidity Ratio (SLR), Capital to Risk-Weighted Asset Ratio (CRAR), Cost of Deposit Ratio (CDR) and Cost to Income Ratio (CIR), which measures profitability. The study is quantitative, descriptive and explanatory in nature with ratio analysis being used to establish trends and relationships. The results portray a very worrisome financial trend. ROA, which stood at a modest 0.77% in 2010, turned negative to-2.09% by 2024. This implies that the bank assets are no longer making it through slim returns but are actively destroying value. To employees and stakeholders, this is a constant but silent form of anxiety; the resources they are in control of are no longer benefiting them. The quality of assets has gone down in a disastrous manner. The NPLR surged from 5.24% in 2010 to an alarming 61.24% in 2024. Back of this figure are stories of people, of companies that failed, of families who failed to pay their debts, of loan officers who perhaps knew something was amiss but were helpless to do anything. Over 61 per cent of all the Taki lent is not likely to be recovered, and it puts a huge strain on recovery and legal departments. Capital sufficiency has been driven to the edge of bankruptcy. CRAR had fallen to a meager 0.93% in 2024, compared to the regulative minimum of about 10 percent by the Bangladesh Bank. This means that the bank is practically left without a capital cushion to absorb unanticipated losses. The government and depositors are left with a precariously thin safety net. The efficiency of operations has completely disintegrated. The CIR was more than 100 percent to 131.80 percent in 2024, indicating the bank has 1.32 Taki of operating expenses relative to every 1 Taki of revenue it generates. This is a bad sign in terms of academic performance. Emotionally it portrays the shattering truth of how all the attempts to bring in revenues are 7 | P a g e crushed by the escalating costs- and there is no space to make a profit. Liquidity has also turned to be precarious. SLR fell from a comfortable 39.38% in 2015 to only 13.68% in 2024. This leads to a silent yet grave issue: the capabilities of the bank to meet the demands of the customers in terms of withdrawing money and the payments with the maturity period of 30 days are seriously damaged. Both the customers and regulators might be wondering whether their money is safe. The research establishes that trend analysis have a significant influence on profitability. The hypotheses are confirmed--the asset quality is poor, the undercapitalization, the runaway operating expenses, and the liquidity management are neglected, which all affect the financial performance negatively. The acute decline experienced in 2024 does not have to be a dead end, however. It may be a turning point. The report suggests the urgent capital recapitalization by the government, a special recovery effort to deal with non-performing loans, restructuring of operational costs, reinforcing the liquidity buffer, depoliticalization of credit risk management, and establishment of gradual and predictable profitability goals based on the findings. Finally, the present report contends that the process of achieving profitability again is not only about the numbers on the balance sheet. It is concerning saving the savings of millions of people, community businesses, and restoring pride in a national institution. The path before is steep, not impossible. Behind each ratio stands a man--an anxious depositor, a hardworking worker or a desperate borrower. Janata Bank PLC can still be saved with some urgent intervention, disciplined management and with compassion. Mon, 20 Apr 2026 00:00:00 GMT http://ar.cou.ac.bd:8080/xmlui/handle/123456789/396 2026-04-20T00:00:00Z http://ar.cou.ac.bd:8080/xmlui/handle/123456789/393 A Comparative Study of Profitability Performance of Selected Private Commercial Banks in Bangladesh Shahajahan, Md. This study examines the profitability performance of selected private commercial banks in Bangladesh, with a particular focus on identifying the key determinants influencing financial performance. Profitability is measured using Return on Assets (ROA), while explanatory variables include financial leverage ratio (FLR), loan loss provision (LLP), liquidity ratio (LQR), cost-to income ratio (CIR), net interest margin (NIM), and bank size. The analysis is based on panel data comprising 96 observations, and multiple econometric techniques have been employed, including Ordinary Least Squares (OLS), Fixed Effects, and Random Effects models. Diagnostic tests such as the Variance Inflation Factor (VIF), Breusch Pagan test, Wooldridge test, and Hausman test were conducted to ensure the robustness and validity of the results. The Hausman test suggests that the Random Effects model is the most appropriate for this study. The empirical findings reveal that financial leverage ratio (FLR) and loan loss provision (LLP) have a statistically significant and negative impact on profitability across all models, indicating that higher leverage and increased credit risk adversely affect bank performance. Similarly, the cost-to-income ratio (CIR) shows a negative relationship with profitability, implying that operational inefficiency reduces overall financial performance. Net interest margin (NIM) also exhibits a negative effect in certain models, suggesting inefficiencies in interest income management. On the other hand, liquidity ratio (LQR) does not show a significant impact on profitability, indicating that maintaining liquidity alone does not necessarily enhance financial performance. Bank size demonstrates a negative but statistically insignificant relationship in the final model, suggesting that larger bank size does not guarantee higher profitability in the context of Bangladesh. The model explains approximately 48% to 54% of the variation in profitability, indicating a moderate explanatory power. Diagnostic results confirm the absence of multicollinearity and ii heteroskedasticity issues, although autocorrelation was detected and addressed using robust estimation techniques. In conclusion, the study highlights that efficient risk management, cost control, and prudent lending practices are critical for improving the profitability of private commercial banks in Bangladesh. The findings provide valuable insights for bank management, policymakers, and stakeholders to formulate strategies aimed at enhancing financial performance and ensuring sustainable growth in the banking sector. Mon, 20 Apr 2026 00:00:00 GMT http://ar.cou.ac.bd:8080/xmlui/handle/123456789/393 2026-04-20T00:00:00Z http://ar.cou.ac.bd:8080/xmlui/handle/123456789/391 Customer Satisfaction of E-Banking Services: An Empirical Study of Sonali Bank PLC Saiful Islam, Md. The report represents the outcome of my internship, which I completed in order to fulfill an BBA requirement. Based on my three-month internship at Sonali Bank PLC, I have completed this report. An analysis of "Customer Satisfaction of E-Banking Services: An Empirical Study of Sonali Bank PLC" is the goal of this study and report. This research was prepared using data from Primary sources. There are Five sections to my internship report. Examples include the following: introduction, literature review, Methodology of the study, statistical analysis and findings, recommendation, and conclusion. In the first chapter the significance of e-banking services for enhancing customer happiness and convenience is introduced. It emphasises how important it is for Sonali Bank, one of Bangladesh's top banks, to embrace digital banking. Service quality, transaction security, usability, and transaction speed are important areas of focus since they have a big impact on customer satisfaction. The second chapter discusses important concepts like SERVQUAL and TAM while reviewing research on e-banking satisfaction. It draws attention to the ways that elements like system quality, trust, and ease of use affect consumer happiness around the world. In the third chapter the research design, sample, and data collection methods are covered. Structured questionnaires were used to survey one hundred users. In order to examine the relationship between characteristics including service quality, usability, security, and satisfaction, data analysis was conducted using statistical tools such as SPSS. According to statistical study in the fourth chapter, customer satisfaction, transaction speed, usability, and service quality are all strongly positively correlated. The user base is dominated by young, male students. According to regression study, these criteria account for 74.2% of consumer satisfaction. The findings suggest that transaction efficiency and user experience could be enhanced. The results of the fifth chapter show that safe, dependable services and user-friendly platforms contribute to moderate to high levels of consumer satisfaction. Enhancing transaction speed, interface friendliness, and features specifically designed for younger people are among the recommendations. According to the study's findings, improving digital services can greatly vi | P a g e raise client loyalty and happiness. Every statistical analysis segment and its related findings, as well as suggestions and a conclusion, have been gradually explained in the internship report. Mon, 20 Apr 2026 00:00:00 GMT http://ar.cou.ac.bd:8080/xmlui/handle/123456789/391 2026-04-20T00:00:00Z