Trend analysis of financial statements of Janṇata Bank Limited.

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Trend analysis of financial statements of Janata Bank Limited
Term Paper
Course Name:Corporate Governance
Course code:B-520
Prepared By
NAME ID
Debashis Majumder 04
Farjana Akhter Keya 17
UrmiAkter 49
Rokonuzzaman 119
Department of Banking and Insurance
Batch-22nd
Major: Banking
Faculty of Business Studies
University of Dhaka
Prepared For
Mohammad Ariful Islam
AssociateProfessor
Department of Banking & Insurance
Faculty of Business Studies
University of Dhaka
Date of Submission: 02 March, 2022
Term Paper on Trend analysis of financial statements of Janata Bank Limited

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EXECUTIVE SUMMERY
The study will involve evaluating the financial performance of Janata Bank Limited over
the last 10 years ranging from 2013 to 2020. Financial performance means to evaluate how
the company was performing over the previous years. The objectives will be achieved
through ratio analysis potentially such as ROE, ROA, Earnings per share, Payout ratio,
Debt ratio, Net interest margin, Net profit margin, Asset turnover and interest coverage
ratios of Janata Bank. Here in this report we have used five ratios to show how the Janata
Bank is performing over the previous years, which are total operating income, net income
after tax, total assets, net asset value and earnings per share. Trend analysis has been used
here to show the movements of those ratios over the last 10 years. Total operating income
was higher in 2017 after that period it was in decreasing trend. In 2020, it started
increasing again but earnings per share are in decreasing trend. The scenario is same in
case of net profit after tax; it was in decreasing trend from 2013 to 2020. From the analysis
it can be concluded that the overall performance of the Janata bank was not good over the
last 10 years. The NAV of Janata Bank showed an increasing trend over the years. Total
assets of Janata Bank Limited is also showing an upward trend.

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Table of Contents
Introduction......................................................................................................................................4
Data Analysis and Findings.............................................................................................................5
Total Operating Income...................................................................................................................5
Net Profit After Tax.........................................................................................................................6
Earnings per share (EPS).................................................................................................................7
Net Asset Value (NAV)...................................................................................................................8
Total assets.......................................................................................................................................9
Conclusion.....................................................................................................................................10
Appendix........................................................................................................................................11

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Introduction
Janata Bank runs its business with 915 branches across the country having a big family of around
11,463 (As on 31.07.2020) employees with its head office located at Janata Bhaban at Motijheel
C/A, the heart of the capital city, Dhaka.Janata Bank Limited, a corporate body trusted over the
years, the 2nd largest (in respect of Deposits/Assets) commercial bank in Bangladesh, has been
playing pivotal role in overall financial activities of the country and is possessing a long heritage
of discharging laudable services to the society since her embankment immediately after the
emergence of this verdant rich alluvial soil as a sovereign, independent state.
The trend analysis of financial statements of Janata Bank Limited implies that the bank is not in
a good state as its financial indicators are showing downward sloping trends.