“Impact of internal factors on the profitability of a banks: a study of Janata bank limited”
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As a part of Internship program for Business Graduate students, each of the students’ needs an organizational attachment. Being attached with Janata Bank Limited, this study has been undertaken to fulfill the internship purpose. During a specified period of internship, the students are required to prepare a report on the organization from where he has completed his internship. Janata Bank Limited is a private commercial bank, which is operating its business last 15 years.. The bank is widely acclaimed by the business community, starting from small businessmen to the big traders/industrial group, including the top rated corporate clients who hold pragmatic outlook and financial solution. Mainly secondary data have been used to gather information which is necessary to prepare this study. This report prepared to make through analysis of internal factors of the profitability of Janata Bank Limited (JBL). The main objective of this research is to identify the key internal factors that influence the profitability of the bank. The report mainly highlights the result of Dependent and Independent variables through various statistical analysis such as trend analysis, correlation analysis, descriptive analysis, and regression analysis. A bank is a financial institution that receives, collects, transfers, pays, invests or safeguards money for his customer. A bank’s main concern is to earn profit. The profitability depends on its ability to generate profit in excess of cost. Bank profitability usually is usually expressed as a function of internal factors. Those internal factors can affect the bank’s profitability. In this report I have used several dependent and independent variables. The dependent variables are ROA, ROE and the independent variables are LQR, LTD, TIA, CIR, and SZE. The liquidity risk ratios are negatively correlated with the profitability. The research carried out several analyses to test the impacts of the internal factors and found that there is a positive and negative relationship. The analysis expressed that there is a significant positive correlation of ROA with TIA, CIR and SZE variables, as well as a low significant negative correlation with LQR and LTD variables. Again the correlation analysis expressed that there is a significant positive correlation of ROE with TIA, CIR and SZE variables, as well as a low significant negative correlation with LQR and LTD variables.
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