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To know an overview of UCB;
To observe the business review of UCB
To analyze the financial performance of UCB
To study the factors which lead to evaluate current financial performance
To suggest some recommendations on the basis of the study results and to improve further financial performance
of UCB.
Public limited company incorporated on 26th June 1983
Started its business operations from 27th June 1983
Enlisted at (DSE) in 30th November 30 1986
Enlisted at CSE in 15th November 1995 (After 10 Years)
Authorized Capital TK 15,000 million.
Paid up Capital of TK 10,541.34 million.
Total Manpower 3,837 people (Average)
Total Branches 158,( AD 28, Ag 2)
ATM booths 151
STRENGTHS
WEAKNESS
OPPORTUNITIES
THREATS
Deposits
Reserve Funds
Shareholders Capital
Retained Earnings
Central Bank Financing
Equity Issuance
Asset Liability Management desk income
Year Amount (BDT Core) Growth
2015 386.29 +11.86%
2014 345.34
Foreign Exchange Income
Year Amount (BDT Crore) Growth
2015 86.01 +8.92%
2014 78.96
Treasury Income Highlight
Year Amount (BDT Crore) Growth
2015 523.00 +14.28%
2014 457.66
Money Market & Investment Income
Year Amount (BDT Crore) Growth
2015 50.70 +52.01%
2014 33.35
0.00
2,000.00
4,000.00
6,000.00
8,000.00
10,000.00
12,000.00
14,000.00
16,000.00
18,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Foreign Remittance
Balance Sheet
Share information
Financial Ratio
Foreign Business
Capital Measures
Liquidity Measures
0.00
1,000.00
2,000.00
3,000.00
4,000.00
5,000.00
6,000.00
7,000.00
8,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Net interest Income (Million)
0.00
1,000.00
2,000.00
3,000.00
4,000.00
5,000.00
6,000.00
7,000.00
8,000.00
9,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Operating Profit (Million)
0.00
500.00
1,000.00
1,500.00
2,000.00
2,500.00
3,000.00
3,500.00
4,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Net Profit
Year 2015 2014 Growth %Total assets 293,847 266,101 10.43%
Total liabilities 368,258 243,609 51.17%
Paid up capital 10,039 8,366 20.00%
Shareholders' equity 25,589 22,492 13.77%
Deposits 220,866 211,072 4.64%
Loans and advances 197,414 174,146 13.36%
Investments 44,345 44,289 0.13%
Fixed assets 8,587 8,510 0.90%
Assets 2015 2014 Growth (%)
Cash 17,960.68 18,387.16 -2.32%
Balance with other banks & FIs 10,705.57 6,024.88 77.69%
Money at call on short notice 390.00 2,190.00 -82.19%
Investments 44,345.73 44,288.60 0.13%
Loans & advances 197,413.64 174,146.10 13.36%
Fixed Assets 8,586.73 8,510.00 0.90%
0.00
50,000.00
100,000.00
150,000.00
200,000.00
250,000.00
300,000.00
350,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Total Asset
0.00
50,000.00
100,000.00
150,000.00
200,000.00
250,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Loan & Advance
0.00
50,000.00
100,000.00
150,000.00
200,000.00
250,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Deposit
0.00
10,000.00
20,000.00
30,000.00
40,000.00
50,000.00
Y-2015 Y-2014 Y-2013 Y-2012 Y-2011 Y-2010 Y-2009 Y-2008 Y-2007 Y-2006
Investments
0
1
2
3
4
5
6
7
8
Earning Per share (EPS)
0
0.2
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Return on Assets (ROA)
0.00
5,000.00
10,000.00
15,000.00
20,000.00
25,000.00
30,000.00
Shareholders' Equity
0
5
10
15
20
25
30
Return on equity (ROE)
0
1
2
3
4
5
6
2015 2014 2013 2012 2011
5.23
%
4.6
2%
4.0
3%
3.6
9%
1.79
%
NPL %
0.00
5,000.00
10,000.00
15,000.00
20,000.00
25,000.00
30,000.00
Shareholders' Equity
0
2
4
6
8
10
12
14
Capital Adequacy Ratio %
0
5
10
15
20
25
30
Net Asset Value Per Share
Time constraint
Job pressure of the employees
Restrictions to Provide information
Lack of practical knowledge
Primary data:
Secondary data:
Data gathered within the organization itself.
Data gathered from Texts.
Internet sources.
General reports.
Annual reports
Official documents.
