Internship Report

Internship Report
on
“Performance Analysis of Mutual Trust Bank Ltd (MTBL) ---
A Study on Sarulia Branch”
PREPARED FOR
Nusrat Nargis
Assistant Professor
Department of Business Administration
Faculty of Business & Entrepreneurship
Daffodil International University
PREPARED BY
Tania Akter Anu

ID: 141-11-3543
Major: Finance
Program: B.B.A
Department of Business Administrative
©Daffodil International University

LETTER OF TRANSMITTAL
Nusrat Nargis
Assistant Professor
Faculty of Business &Entrepreneurship
Subject: Letter of Transmittal.

Dear Sir,
This is with great pleasure for me to submit the Internship report, for is partial requirement
for the degree of Bachelor of Business Administration (BBA). I have prepared my Internship
report on “Performance Analysis of Mutual Trust Bank Ltd (MTBL)---A Study on
Sarulia Branch”. This report gave me the opportunity to apply the theoretical & practical
knowledge in real life situation, which would be a great help for me in the future.
I appreciate this opportunity to show my profound gratitude to you for sparing your valuable
time, guidance, constant effort and prompt attention as and when required for accomplishing
this report.
Sincerely Yours,
……………….
Tania Akter Anu
ID: 141-11-3543
Page |i
CERTIFICATE OF APPROVAL
I am pleased to certify that the Internship Report on “Performance Analysis of Mutual

Trust Bank Ltd (MTBL)---A Study on Sarulia Branch” prepared by Tania Akter Anu, ID:
141-11-3543 of the Department of Business Administration is approved for presentation and
defense. Under my supervision, Tania Akter Anu worked with Mutual Trust Bank Limited as
an intern. I am pleased to certify that data and findings presented in the report seem to be
authentic.
Tania Akter Anu bears a strong moral character and a very pleasing personality. I wish her all
success in life.
----------------------------------
Nusrat Nargis
Assistant Professor
Faculty of Business &Entrepreneurship
Page | ii
ACKNOWLEDGEMENT
At first, I want to express my gratitude to almighty Allah for giving me strength, ability and
opportunity to complete this report successfully. Next, I would like to express my kindness to
my beloved parents whose continuous inspiration and blessings enrages me to make a right
move in my life. Then I would like to thank my supervisor of the report Nusrat Nargis mam
my heartful thanks to Assistant Vice President & Manager Operation Md Alamgir Hassan
Sarulia Branch of Mutual trust Bank Limited who gave the opportunity for me to prepare this
report with my full freedom and best co-operation from the Bank.
I would like to thank all officers & workers of Deposit Sarulia Branch for their cooperation,
support & love. I would like to thank from the deep of my heart to those people who are
related with making of this report and make it a success.
Finally, I would like to thank DIU University & it’s faculties of Business Administration
Department for giving me an opportunity to complete my BBA Degree and give me a scope
to gather practical experience and enrich my knowledge.
Tania Akter Anu

ID: 141-11-3543
Page |iii
EXECUTIVE SUMMARY
The whole banking area of a modern bank can be divided into four sections such as- 1)
General Banking Section 2) Cash Section 3) loans &Advance Section and 4) Foreign
Exchange Section. My focus and concentration mainly will be on Deposit Schemes of Mutual
Trust Bank Limited. In this study a demonstration and an analysis of Deposit Schemes and
the subsequent outcome of Mutual Trust Bank Ltd has been represented. This report has Five
(6) Chapters. First chapter contains the introduction, origin, objective, methodology and
limitations of the report. Second chapter contains the overview and activities, mission, vision
operating profit and deposit growth of MTBL. Third chapter contains Deposit Schemes
activities of MTBL and fourth chapter contains the SWOT analysis during three long month
internship. 5th chapter contains findings & recommendations & 6th chapter contains
conclusion and references. While working with Deposit Schemes in Mutual Trust Bank Ltd.,
I have tried to find out some problems such as insufficient number of products, branches,
ATM booths, high minimum balance etc. At last, I have tried to give some recommendations
against the problems of Deposit Schemes such as arranging sufficient number of products,
branches, lowering minimum balance, etc.
Page |iv
TABLE OF CONTENTS
NO Title Page
1 Letter of Transmittal i.
2 Certificate of Approval ii.
3 Acknowledgement iii.
4 Executive Summary iv.
Table of Contents
Chapter-01........................................................... 1
Introduction.......................................................... 1
1.1 INTRODUCTION: ....................................................... 2
1.2 ORIGIN OF THE REPORT: ........................................ 2
1.3 SCOPE OF THE STUDY: ........................................... 2
1.4 OBJECTIVES OF THE STUDY: ................................. 3
1.5 METHODOLOGY....................................................... 3
1.6 STUDY DESIGN: ........................................................ 3
1.7 DATA COLLECTION METHOD: ................................. 3
1.8 LIMITATIONS OF THE Study: .................................... 4
Chapter-02........................................................... 5
OVERVIEW OF MUTUAL TRUST BANK LIMITED........... 5

2.1 MTBL Profile: .............................................................. 6
2.2 COMPANY PROFILE OF MUTUAL TRUST BANK LIMITED 6
2.3 CORPORATESTRATEGY: ......................................... 7

2.4 MISSION & VISION MTBL:......................................... 7
Chapter-03........................................................... 8
Deposits Schemes of MTBL...................................... 8

3.1 Deposits schemes types: ............................................ 9
Chapter- 04........................................................ 20
Performance Analysis of MTBL............................... 20

4.1Financial Report Analysis.......................................... 21
4.1.1 Return on equity capital (ROE):............................. 21
4.1.2 Return on assets (ROA):....................................... 22
4.1.3Net Interest Margin: ............................................. 22
4.1.4 Net operating margin: .......................................... 23
4.1.5 Earnings per share (EPS): ..................................... 24
4.2 Debt Ratio................................................................ 26
Chapter-05......................................................... 27
FINDINGS, RECOMMENDATION & CONCLUSIONS..... 27

5.1 FINDINGS: ............................................................... 28
5.3 CONCLUSION: ......................................................... 29
BIBLIOGRAPHY: ............................................................ 30

Chapter-01
Introduction
Page | 1
1.1 INTRODUCTION:
This report named “Performance an Analysis of Deposit & Advances and profitability Ratio
of Mutual Trust Bank Limited” has been made as a part of my internship in Mutual Trust
Bank Limited (MTBL). The report includes my work experiences at General Banking
department of sarulia Branch of MTBL as an intern. Internship program is a step towards
fulfilling this commitment by giving the students an opportunity to get ready for the real
world before they enter into it. A business report is defined as an orderly, objective
communication of information the serves some business purpose.
The study was conducted to identify the state of the analysis of deposit of the MTBL and
whether any flaw is there in the service given to the customer. As the bank is very much
concerned with the customer service the bank will be much benefited, if it comes to know the
present and actual condition of the bank so that it can improve the state of the customer
service or maintain the same state if found positive.
Therefore, in order to serve this business purpose topic of the report has to be clearly stated.
The topic has been defined as defined for studying in this report is in infinitive phase.
1.2 ORIGIN OF THE REPORT:

Internship program is a pre-requisite for acquiring BBA degree. Before completion of the
degree, a student must undergo the Internship program. As the classroom discussion alone
cannot make a student perfect in handling the real business situation, it is an opportunity for
the students to know about the real-life situation through this program. Working in Mutual
Trust Bank Limited gave me the opportunity to gather real life experience
1.3 SCOPE OF THE STUDY:

The report will mainly focus on the general banking activities of sarulia Branch of Mutual
Trust Bank Limited. The proposed study will cover the procedure & techniques followed by
the general banking Department such as account opening procedure, clean cash, pay order,
clearings etc. That means, in this report all the aspects of general banking activities have been
discussed with the problems and proposed solutions by those the management can take
decisions regarding modifying their plans for general banking and can strengthen the
relationship with the business environment as well as with the clients.
Page | 2
1.4 OBJECTIVES OF THE STUDY:
i. To know about various deposit schemes of the Mutual Trust Bank Limited (MTBL).
ii. To evaluate the profitability of the Bank from year 2013 to year 2017 (MTBL).
iii. To identify different problems of Mutual Trust Bank Limited (MTBL).
iv. To provide some recommendations about the problems of Mutual Trust Bank
Limited (MTBL).
1.5 METHODOLOGY
This report has been prepared on the basis of experience gathered during the period of
internship program. For preparing the report, I have undergone discussion and collected data.
I also studied different circulars and files of the company.
1.6 STUDY DESIGN:

The study was fully descriptive in nature. The study was conducted using the anticipatory
method. To know the in-depth information, the topic was discussed with the expert
professionals related to bank for several times and review of record of MTBL Bank Limited
and other related secondary information. The purpose was to get an idea about the whole
activities of the branch where I did my practical orientation. Statistical data and other relevant
information were 4 Daffodil International University gathered from secondary sources
including several journals and booklets.
1.7 DATA COLLECTION METHOD:

Data have been collected from two sources. These are as under:
i. Primary source
ii. Secondary source
PRIMARY DATA:
The primary information was gathered through interviews, observation and group discussion.
The primary data are collected from Mutual Trust limited by interviewing personal of the
respective departments.

Face to face conversation with the respective officers concerned for the different job.
Page |3

Personal observation.

Interview with employees.

Assigned job performed by employees.
SECONDARY DATA:
The secondary information was gathered through annual report, periodic publication of the
bank, Bangladesh Accounting Standards, Financial Statement of the documents and data base
of Mutual Trust Bank Limited.

Financial statements.

Books and Articles collected from general banking data.

Periodical publishes by Bangladesh Bank.

Internet.

Newspapers.
1.8 LIMITATIONS OF THE Study:

To gather the responses from the customers there were a number of limitations I have
supervise the observe. The limitation was-

The customers were so much busy to proper their banking their banking transaction
than to answer my observe questions.

Customers being mostly illiterate, they could not answer most of my questions and
answered based to my questions.

There was some limitation from the bank that I should not care their customers by
asking questions every now and then.
Page | 4
Chapter-02
OVERVIEW OF MUTUAL TRUST BANK
LIMITED
Page | 5
2.1 MTBL Profile:
Mutual Trust Bank Ltd. (MTBL, the 3rd generation bank) has started its journey as a private
commercial bank on 29 September, 1999, under the companies Act 1994, with an Authorized
share capital of BDT 1,000,000,000 divide into 10,000,000 ordinary shares of BDT 100 each.
At present, the Authorized share capital of the company is BDT 10,000,000,000 divided into
1,000,000,000 ordinary shares BDT 10 each. Under Bangladesh banking system, there are
three development phases- Nationalization, Privatization and Financial Sector Reform. MTB
is incorporated in Dhaka and is a sister concern of MTB group. The Bank’s head office is
located at Gulshan 1, Dhaka and it has 113branches.
The mission of Mutual Trust Bank was to be a client oriented company equipped with
cutting- edge technology and dynamic work force (Bank Info BD, n,d). Also, its vision is to
be expressed by the initiators was to build a perfect world-class bank in performance and by
choice of the people.
2.2 COMPANY PROFILE OF MUTUAL TRUST BANK LIMITED
Name of the company Mutual Trust Bank Limited

Name of the Business Private Commercial Bank
Legal Form A private Limited Company
Registered Office MTB
Center
26 Gulshan
Avenue
Gulshan 1
Dhaka1212,Bangladesh
SWIFT CODE MTBL BD DH
Email info@mutualtrustbank.com
Web page WWW.mutualtrustbank.com
Chairman Mr. M.A. Rouf, JP
Number of Branch The Company (Bank) operates through in Head
Office at Dhaka and 103 Branches.
Page | 6
2.3 CORPORATESTRATEGY:
The corporate strategy of any organization is a vital role on the performance of the
company’s performance and lead to the way of being in growth prospect of the company. So
the corporate strategy of the Mutual Trust Bank is describe below:
i. Financing establishment of small units of industries and business and

facilitate their growth.
ii. ii. Small Balance Sheet size composed of quality assets.
iii. iii. Steady and sustainable growth.
iv. iv. Investment in a cautious way.
v. v. Adaptation of new banking technology.
2.4 MISSION & VISION MTBL:

Vision:
Mutual Trust Bank’s vision is based on a philosophy known as MTB3V. MTBL to be:
i. The leading conduct banks in Bangladesh.

ii. The bank of possibility.
iii. A truthfully world-class bank.
Mission:
The bank aspirant to be the most admired financial institution in the country, acknowledge as
a dynamic, innovative and client-focused company, authorize by cutting-edge technology.
Page |7
Chapter-03
Different Deposits Schemes of MTBL
Page | 8
3.1 Deposits schemes types:
1. Savings Account
2. Current Account
3. Brick by Brick
4. Children’s Education Plan
5. Fixed Deposit
6. Monthly Benefit Plan
7. MTB Senior
8. MTB Inspire
9. MTB Double Saver Plan
10. MTB Millionaire Plan
11. MTB Ruby
A) MTB Brick by Brick Amount in BDT
Monthly Period Rate of Period Rate of Period Rate of Period Rate of

installment interest interest interest interest
3 years 6.00% 5 years 6.40% 8 years 6.75% 10 years 6.90%
250/- 9,872.41 17,679.01 31,759.00 43,051.57
500/- 19,744.82 35,358.02 63,518.00 86,103.15
1,000/- 39,489.64 70,716.04 127,036.00 172,206.29
2,000/- 78,979.28 141,432.08 254,072.00 344,412.59
5,000/- 197,448.21 353,580.20 635,179.99 861,031.47
Page | 9
Brick by Brick of MTBL:
Drops of water make an ocean. Your habit of regular savings will provide you comfort in the
future. Brick by Brick is a unique monthly savings plan which builds up over the years and
provides a lump sum amount at maturity. Monthly deposit in the scheme's account and you
must ensure that your account has sufficient balance within the 20th of each month.
Brick by Brick
YEAR 2017 2016 2015 2014 2013
Amount 10,767,910,811 9,237,253,793 7,459,876,420 5,558,445,157 4,437,958,894
(TK)
Brick by Brick
12,000,000,000
10,000,000,000
8,000,000,000
6,000,000,000
4,000,000,000
2,000,000,000
0
2017 2016 2015 2014 2013
Interpretation: MTBL deposit product Brick by brick amount increasing year to year. In
2017 it was highest than other years. So it is good sign for the company.
Monthly Benefit plan of MTBL: Monthly benefit plan low amount is 50,000/ there is
no limitation amount. Monthly benefit plan (1 to 3) year’ period that cannot be changed
afterwards.
Page | 10
Principal Rate of Period Monthly Benefit Monthly Benefit Monthly Benefit
Amount Interest before Tax afterTax@10% After Tax@15%
(For Example)
100,000.00 8.40% 1 Year 700.00 630.00 595.00
100,000.00 8.40% 2 Year 700.00 630.00 595.00
100,000.00 8.40% 3 Year 700.00 630.00 595.00
100,000.00 8.40% 4 Year 700.00 630.00 595.00
100,000.00 8.40% 5 Year 700.00 630.00 595.00
MTBL Monthly benefit Plan:

YEAR 2017 2016 2015 2014 2013
Amount 4,101,145,064 4,540,408,753 3,945,547,354 3,556,218,248 2,888,125,145
(TK)
MTBL Monthly benefit Plan
5,000,000,000
4,500,000,000
4,000,000,000
3,500,000,000
3,000,000,000
2,500,000,000
2,000,000,000
1,500,000,000
1,000,000,000
500,000,000
0
2017 2016 2015 2014 2013
Interpretation: Monthly benefit plan rate was increased in 2013-2016. But in 2017 the amount
slightly decreased.
Page | 11
Savings Accounts of MTBL:
Saving money for the future is a common practice in any society. Savings help you to build a
better tomorrow. Regular saving makes a man become disciplined, self-confident successful.
An-easy-to operate savings account that allow you to operate issue cheques, Draw demand
drafts and withdraw cash. Check up on your balances from the comfort of your home or
office through Internet Banking and SMS banking.
Types of Deposits Revised Rate

Regular 2.75%
NRB 2.75%
Children Educational plan of MTBL:

Education is the backbone of any nation and one of the primary factors of prosperity.
Educated nation stands tall in the committee of nations and deserves respect. A child's
education is of prime importance and every parent should ensure and make every effort to
get their child educated.
Area of Change Revised

Rate of Interest 8.00%
Children Education Deposit Scheme:
YEAR 2017 2016 2015 2014 2013

Amount 8,830,042 2,761,037 1,985,643 1,506,413 1,012,575
(TK)
Page | 12
Children Education Deposit Scheme
9,000,000
8,000,000
7,000,000
6,000,000
5,000,000
4,000,000
3,000,000
2,000,000
1,000,000
0
2017 2016 2015 2014 2013
Interpretation: From this data it can be seen than amount of Children education
deposit scheme was not very good. From 2013-2016 it was very low in amount. But in
2017 it has sudden increase in huge amount.
Current Account of MTBL:

A Current account is ideal for carrying out day-to-day business transactions. With the MTBL
Regular Current Account, you can access your account anytime, anywhere, pay using
payable at par cheques or deposit cheque at any MTBL bank branch .Access to the largest
fleet of the country. In order to make a significant contribution in the living standards of the
people of medium and low income category, Mutual Trust Bank has introduced a scheme
called "Consumer Loan Scheme". Within view to materialize the dream of those who are
unable to make one time investment from their own savings.
Double Saver Plan of MTBL:

Double saver plan lower amount is the 10,000/- for 8 years. People will receive the
handsome amount at maturity. They can even help loan up to 90% of the deposited amount.
Double saver no maximum amount.
Area of Changes Revised

Rate of Interest 9.46%
Maturity Period 07 Years 06 months
Page | 13
MTB Double Saver Plan
YEAR 2017 2016 2015 2014 2013
Amount 7,336,344,863 7,244,757,073 7,889,645,544 6,564,456,589 4,547,545,547
(TK)
MTBL Double Saver Plan
8,000,000,000
7,000,000,000
6,000,000,000
5,000,000,000
4,000,000,000
3,000,000,000
2,000,000,000
1,000,000,000
0
2017 2016 2015 2014 2013
Interpretation: MTBL double saver plan was highest in 2015. But after that in 2016 the
amount was decreased. In 2017 it slightly increased but not as much as 2015. It indicate
that people are losing their interest in double saver plan of MTBL.
Fixed Deposit of MTBL:

Fixed deposit is a specific amount of cash on deposit the name of account holder. Fixed
deposit minimum time is 3 months. people fixed an amount deposit the bank and pay the
interest. Fixed deposit lower amount is 50000/- no maximum amount.
Period Revised
1month 3.00%
2months 3.00%
3months 5.50%
6months 5.75%
1 year 6.00%
2 Years 6.00%
3Years 6.00%
Page | 14
Fixed Deposit
YEAR 2017 2016 2015 2014 2013
Amount 67,113,942, 55,803,465,44 55,707,789,09 48,281,499,55 45,300,855,19
(TK) 085 4 0 2 4
MTBL Fixed Deposit
70,000,000,000
60,000,000,000
50,000,000,000
40,000,000,000
30,000,000,000
20,000,000,000
10,000,000,000
0
2017 2016 2015 2014 2013
Interpretation: Fixed deposit of MTBL are increasing year by year. The highest amount
of fixed deposit was made in 2017.
Millionaire Plan of MTBL:

Monthly Installment year maturity value. The maturity value is an indicative figure.
Tax/Excise duty will be deducted as per govt. rules.
Monthly Installment Period Rate of Interest Maturity Value
10,840.00 6 Years 8.00% 1,000,000.00

7,431.00 8 Years 8.10% 1,000,000.00
5,395.00 10 Years 8.25% 1,000,000.00
4,098.00 12 Years 8.25% 1,000,000.00
2,842.00 15 Years 8.25% 1,000,000.00
1,663.00 20 Years 8.25% 1,000,000.00
Page | 15
MTBL Millionaire Plan:
YEAR 2017 2016 2015 2014 2013
Amount 3,668,919,988 2,884,691,551 2,551,554,982. 1,937,548,654 1,507,159,753
(TK)
MTBL Millionaire Plan
4,000,000,000
3,500,000,000
3,000,000,000
2,500,000,000
2,000,000,000
1,500,000,000
1,000,000,000
500,000,000
0
2017 2016 2015 2014 2013
Interpretation: MTBL millionaire plan are increasing every year. The highest amount
was in 2017.
MTB Kotipati of MTBL:

The Bengali term "Kotipati" is a dream for many of us. MTBL is here to make your dream
come true. MTBL offers a product named "MTBL Kotipati" to turn you into a Kotipati after a
certain span of time depending on your capacity to deposit monthly.
Rate of Interest Monthly Installment Period Maturity Value
8.00% 176,756.00 4 Years 10,000,000.00

8.00% 135,654.00 5 Years 10,000,000.00
8.00% 108,392.00 6 Years 10,000,000.00
8.10% 74,306.00 8 Years 10,000,000.00
8.25% 53,950.00 10 Years 10,000,000.00
8.25% 40,979.00 12 Years 10,000.000.00
8.25% 28,418.00 15 Years 10,000,000.00
Page | 16
MTB Kotipati
YEAR 2017 2016 2015 2014 2013
Amount 2,146,584,527 1,432,987,050 1,001,255,554 951,659,549 548,132,465
(TK)
MTB Kotipati
2,500,000,000
2,000,000,000
1,500,000,000
1,000,000,000
500,000,000
0
2017 2016 2015 2014 2013
Interpretation: Though in 2013 MTBL kotipati was in low amount, but was increased
in year by year. It mean customers are getting interest in this plan, and 2017 the amount
was increased in huge number.
Education Plan of MTBL:

Monthly Installment 4 years, 7 years, 9 years & 12 years. The maturity value is an
expressive figure. Tax/excise duty will be deducted as per govt. rules 90% loan advantage on
deposited amount.
MTB Education plan

YEAR 2017 2016 2015 2014 2013
Amount 248,13 204,23 198,56 150,56 101,25
(TK) 8,955 0,256 4,367 4,132 7,354
Page | 17
MTBL Education plan
250,000,000
200,000,000
150,000,000
100,000,000
50,000,000
0
2017 2016 2015 2014 2013
Interpretation: MTBL Education plan is a educational security plan. With a increasing

rate, the amount was highest in 2017.
Ruby Plan of MTBL:

MTBL Ruby enables today’s independent women to enjoy hassle-free banking services.
Besides the core MTBL banking advantage, MTBL Ruby, an exclusive savings account for
women, is packed with special benefits for our women customers. Enjoy your present and
plan for the future, with this rewarding savings account
Graduate Account of MTBL:

Graduate account is the students accounts. This account opening amount is the 500tk.
There is yearly no charge on the account. Student use the debit card no cheque book uses
the withdraw the money.
Page | 18
SHANCHAY Account of MTBL:
MTBL Shanchay is a savings product for the “Base of the Pyramid”. It will provide access to
banking facilities – enabling the management of financial needs for those in the low income
group.
SPECIAL NOTICE DEPOSITS (SND)

Amount Revised Rate
Bellow BDT 10.00 million 2.75%
BDT 10.00 million to below 250.00 million 2.90%
BDT 1.00 billion to above 3.50%
Page | 19
Chapter- 04
Performance Analysis of MTBL from Year 2013
to Year 2017
Page | 20
4.1Financial Report Analysis
After working in Mutual Trust Bank for 3 months as an intern I collected the financial
reports of 2017,2016,2015,2014 and 2013 of MTB to analyze the current financial statuses.
Also, I have compared between these 5 years to figure out whether the bank has grown the
profit or not.
4.1.1 Return on equity capital (ROE):

Ratio 2017 2016 2015 2014 2013
name
ROE 26.61% 13.47% 10.68% 27.71% 24.32%
Return on equity capital (ROE)
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
2017 2016 2015 2014 2013
Interpretation: ROE is the measurement of the rate of return flowing to the bank’s
shareholders. Higher ROE indicates the favorable position that the company is efficient in
generating income on new investment. The bank return on equity deviates from 10.68% to
27.61% in the preceding 5 years. The highest value can be observed in 2014 and the
lowest value can be observed during the 2015, which is not desirable. So the management
should work hard to increase the return associated with equity.
Page | 21
4.1.2 Return on assets (ROA):
Ratio 2017 2016 2015 2014 2013
name
ROA 1.79% 0.86% 0.72% 2.10% 1.91%
Return on assets (ROA)
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
2017 2016 2015 2014 2013
Interpretation: ROA as an indicator of managerial efficiency, indicates the capability of

management in converting the institution’s assets into net earnings. This figure shows us
what this branch can do with the assets. In 2014, it was in its best. But in 2015 and 2016
ROA rate was below 1%. After that, in 2017, ROA rate was 1.71%. It is a good sign for the
company.
4.1.3Net Interest Margin:

Ratio 2017 2016 2015 2014 2013
name
Net 8.75% 9.16% 8.12% 1.58% 1.91%

Interest
margin
Page | 22
Net Interest Margin
10.00%
9.00%
8.00%
7.00%
6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
2017 2016 2015 2014 2013
Interpretation: In this figure we can see that the company’s net interest margin was
highest in 2016 and the lowest value was in 2014. After that, in 2017 the net interest
margin has decreased. But the company should increase the interest margin as it is a good
sign for the MTBL.
4.1.4 Net Profit margin:

Ratio 2017 2016 2015 2014 2013
name
Net profit 66.99% 50.20% 37.10% 26.42% 18.87%

margin
Page | 23
Net Profit margin
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
2017 2016 2015 2014 2013
Interpretation: The figure shows that the net profit margin increasing year by year. In
2017, its net profit increased compared to 2013. In 2017, its net profit after tax was 66.99%
which was only 18.87% in 2013.Here MTBL needs to ensure the proper use of fund in order
to earn maximum profit.
4.1.5 Earnings per share (EPS):

2017 2016 2015 2014 2013
Ratio
(TK) (TK) (TK) (TK) (TK)
name
Earnings
per share 46.46 17.27 14.80 47.93 35.37
Page | 24
Interpretation: EPS represents that it is earned on behalf of each outstanding shares of
common stock equity. EPS is closely watched by investors because it is an important
indicator of corporate success. The graph shows that, in 2014 earning per shares of MTBL’s
are higher than 2015 and 2016. But in year 2017, it was the desirable year for the MTBL.
The year 2017 shows the increasing nature of EPS that is a good sign for the company.
4.2 Debt Ratio
Year 2013 2014 2015 2016 2017
Total
96,014,383,448 109,530,434,815 137,143,999,960 155,552,304,703 189,991,847,440
Liabilities
Total Asset 101,463,540,461 116,300,961,975 146,073,316,135 165,370,686,870 201,753,934,194
Debt Ratio 0.946 0.942 0.939 0.941 0.942
Page | 25
Debt Ratio
94.60%
94.40%
94.20%
94.60%
94.00%
94.20% 94.20%
93.80% 94.10%
93.90%
93.60%
93.40%
2013 2014 2015 2016 2017
Debt Ratio
Chart: Debt Ratio
Interpretation: The higher the ratio, the greater risk will be associated with the firms
operations. This graph shows that the debt ratio was highest value in 2013 and the lowest
value was in 2015. After that, the debt ratio value increased in 2016 and 2017.The Debt ratio
measures, the proportion of total assets provides by the firm’s creditors. Their debt ratio was
increasing that indicate negative sign.
Page | 26
Chapter-05
FINDINGS, RECOMMENDATION &
CONCLUSIONS
Page | 27
5.1 FINDINGS:
a. Lengthy Proceeding:
The newly prescribed account opening form is very much informative. It takes about half an
hour to properly fill in the form. When four or five people come at the same time to account
opening purpose, it is very difficult for the relevant officer to provide satisfied service to the
client.
b. Rate of Interest:
The rate of interest is comparatively lower than other banks. FDR rate is lower so customers
are not willing enough to keep their money at this bank.
c. Up to date technology:
Technology that MTBL is using for the banking system is not much up to date. It can be a
reason for losing their clients. Some people said that they are either highly satisfied or just
satisfied with the SMS banking of MTBL. Their SMS banking service is not much easy
and informative like other banks, and that’s one of the reasons for customer dissatisfaction.
d. Inadequate skill manpower:
In MTBL, there is lack of proper training arrangement of the employees in the general
banking sector. For example, most of the new recruited employees learn their job tasks by
observing their senior employee.
e. Limited ATM Booth:
MTBL has limited ATM Booths which is not enough for their current level of customers.
5.2 RECOMMENDATIONS:
a. Easier process:
Account opening process should be easier so that it can take less time and understandable for
illiterate customer.
b. Increase number of products:

The bank should increase number of deposit products to attract the customer for opening their
accounts in MTBL. For example- Hazz scheme is not included in their deposit scheme. If
they insert this scheme it will gain more customers than before.
Page |28
c. Increase ATM Booth:
The number of ATM Booth should be increase so that customer can withdraw money easily.
d. Recruit skilled manpower:
To recruit sufficient skilled manpower because the bank employees should communicate
properly with customers about their deposit and other schemes.
e. Update software:
The bank should update their software system to satisfy their customers by providing quick
service.
5.3 CONCLUSION:
I was fortunate enough to start my working experience in MTBL which is one of the leading
commercial Bank in Bangladesh. The practical knowledge that I gathered from here will
always help me to move forward in my career. Now I realize that Internship training is
necessary to complete my theatrical knowledge & to learn about the real working
environment. So, I would once again thank university of information technology & sciences
&MTBL for giving me this huge opportunity of learning.
Page | 29
BIBLIOGRAPHY:
Website
1. http://www.mutualtrustbank.com/sme/
2. http:// www.bangladesh-bank.org
Book
1. Annual report of MTB (2017,2016,2015,2014,2013)
2. Mutual Trust Bank ltd, Guidelines Manual of 2017
3. Mutual Trust Bank ltd, Daily Affairs of Sarulia Branch
Page | 30

Internship Report

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Internship Report

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Internship Report

Tania Akter Anu

©Daffodil International University

Subject: Letter of Transmittal.

I am pleased to certify that the Internship Report on “Performance Analysis of Mutual

Tania Akter Anu

2 Certificate of Approval ii.

4 Executive Summary iv.

OVERVIEW OF MUTUAL TRUST BANK LIMITED........... 5

©Daffodil International University

Deposits Schemes of MTBL...................................... 8

Performance Analysis of MTBL............................... 20

FINDINGS, RECOMMENDATION & CONCLUSIONS..... 27

©Daffodil International University

1.2 ORIGIN OF THE REPORT:

1.3 SCOPE OF THE STUDY:

iii. To identify different problems of Mutual Trust Bank Limited (MTBL).

1.6 STUDY DESIGN:

1.7 DATA COLLECTION METHOD:

1.8 LIMITATIONS OF THE Study:

2.2 COMPANY PROFILE OF MUTUAL TRUST BANK LIMITED

Name of the company Mutual Trust Bank Limited

i. Financing establishment of small units of industries and business and

2.4 MISSION & VISION MTBL:

i. The leading conduct banks in Bangladesh.

4. Children’s Education Plan

6. Monthly Benefit Plan

9. MTB Double Saver Plan

10. MTB Millionaire Plan

11. MTB Ruby

A) MTB Brick by Brick Amount in BDT

Monthly Period Rate of Period Rate of Period Rate of Period Rate of

3 years 6.00% 5 years 6.40% 8 years 6.75% 10 years 6.90%

250/- 9,872.41 17,679.01 31,759.00 43,051.57

500/- 19,744.82 35,358.02 63,518.00 86,103.15

1,000/- 39,489.64 70,716.04 127,036.00 172,206.29

2,000/- 78,979.28 141,432.08 254,072.00 344,412.59

5,000/- 197,448.21 353,580.20 635,179.99 861,031.47

100,000.00 8.40% 2 Year 700.00 630.00 595.00

100,000.00 8.40% 3 Year 700.00 630.00 595.00

100,000.00 8.40% 4 Year 700.00 630.00 595.00

100,000.00 8.40% 5 Year 700.00 630.00 595.00

MTBL Monthly benefit Plan:

MTBL Monthly benefit Plan

Types of Deposits Revised Rate

Children Educational plan of MTBL:

Area of Change Revised

Children Education Deposit Scheme:

YEAR 2017 2016 2015 2014 2013

Current Account of MTBL:

Double Saver Plan of MTBL:

Area of Changes Revised

MTBL Double Saver Plan

Fixed Deposit of MTBL:

MTBL Fixed Deposit

Millionaire Plan of MTBL:

Monthly Installment Period Rate of Interest Maturity Value

10,840.00 6 Years 8.00% 1,000,000.00

MTBL Millionaire Plan

MTB Kotipati of MTBL:

Rate of Interest Monthly Installment Period Maturity Value

8.00% 176,756.00 4 Years 10,000,000.00

Education Plan of MTBL: