presentation in Padma Bank march another bank

this a presentation on padma bank

1. Southeast Bank Limited Topic: Course No: BIN-210

2. Submitted To: Md. Sagar Rana Assistant Professor Department of Banking And Insurance, University of Rajshahi . Submitted By: Pritom Debnath (2110337144) Department of Banking And Insurance, University of Rajshahi .

3. About US Southeast Bank PLC. was established in 1995 with a dream and a vision to become a pioneer banking institution of the country and contribute significantly to the growth of the national economy. The incumbent Chairman of the Bank is Mr. Alamgir Kabir, FCA, a professional Chartered Accountant.

4. Objectives: The primary objective of a commercial bank is to generate profits for its shareholders while simultaneously providing a range of financial services to meet the needs of its customers. These financial services typically include: Accepting deposits: Commercial banks take deposits from individuals, businesses, and other organizations, providing a safe place for them to store their money. Extending credit: Banks lend out a portion of the deposits they receive to borrowers in the form of loans and mortgages, earning interest on these loans. Facilitating payments: Banks provide various payment services such as check processing, electronic funds transfers, and credit card services, enabling customers to make transactions conveniently. Managing risk: Commercial banks engage in risk management activities to ensure the safety and soundness of their operations, including assessing and mitigating credit, liquidity, and operational risks. Offering investment services: Some commercial banks offer investment products and services, such as wealth management, brokerage, and retirement planning, to help customers grow their assets. Providing financial advice: Banks may offer financial advisory services to assist customers with managing their finances, planning for major life events, and achieving their financial goals. Overall, the objective of a commercial bank is to effectively mobilize funds from depositors and allocate them to borrowers while maintaining financial stability, managing risks, and delivering value to shareholders and customers.

5. Access to Financial Services : Commercial banks provide a wide range of financial services, including checking and savings accounts, loans, credit cards, and investment products. This accessibility allows individuals and businesses to manage their finances efficiently in one place. Safety and Security : Deposits held in commercial banks are typically insured by government-backed programs such as the Federal Deposit Insurance Corporation (FDIC) in the United States. This insurance provides protection for depositors' funds, offering peace of mind and security against the risk of loss. Convenience : Commercial banks offer various channels for banking transactions, including physical branches, ATMs, online banking, and mobile banking apps. These convenient access points enable customers to perform banking activities at their convenience, whether it's depositing checks, transferring funds, or paying bills. Credit Facilities : Commercial banks provide credit facilities such as loans and lines of credit to individuals and businesses. These credit options can help individuals finance purchases, cover unexpected expenses, or invest in opportunities. For businesses, access to credit can support growth, expansion, and day-to-day operations. Payment Services : Commercial banks facilitate various payment services, including electronic funds transfers, wire transfers, and issuing debit and credit cards. These services enable individuals and businesses to make payments quickly, securely, and efficiently, both domestically and internationally. Advantages

6. Disadvantages Fees and Charges : Commercial banks often charge various fees for their services, including maintenance fees, overdraft fees, ATM fees, and transaction fees. These fees can add up over time and erode the value of customers' accounts, especially for those with low balances or frequent transactions. Interest Rates : Banks may offer lower interest rates on savings accounts and higher interest rates on loans compared to other financial institutions. This can result in lower returns for savers and higher borrowing costs for borrowers, limiting the financial benefits for customers. Limited Personalization : Commercial banks typically serve a large customer base, which can make it challenging to provide personalized service to individual customers. This lack of personalization may lead to a less satisfying banking experience and difficulties in addressing specific customer needs and preferences. Risk of Bank Failures : While deposits in commercial banks are often insured by government programs, such as the FDIC in the United States, there is still a risk of bank failures. Economic downturns, mismanagement, or external shocks can lead to bank failures, potentially resulting in the loss of deposits and disruption of financial services for customers. Overreliance on Credit : Commercial banks play a significant role in extending credit to individuals and businesses. However, excessive lending and credit expansion can lead to the buildup of debt, increasing the risk of defaults and financial instability within the banking system.

7. Bank Services

8. Foreign Currency Rates Currency Buying (TT) Selling (BC) USD 109.5000 110.0000 EUR 118.3148 128.8990 GBP 137.9810 144.1550

9. Last 5 Years Financial Indicators PARTICULARS 2022 2021 2020 2019 2018 Authorized Capital 15,000.00 15,000.00 15,000.00 15,000.00 15,000.00 Paid up Capital 12,364.98 11,889.41 11,889.41 11,599.42 10,544.93 Reserve Fund/ Others 41,126.52 29,437.67 28,483.13 24,493.91 28,315.19 Total Capital (Tier -I+Tier-II) 41,126.52 41,327.07 40,372.53 36,093.33 38,860.11 Deposits and other accounts 371,143.44 376,700.77 359,535.94 329,250.27 298,334.79 Loans & Advances 347,743.59 336,329.37 322,251.46 296,752.96 267,671.63 Investments 98,925.50 113,452.58 97,073.89 77,310.04 65,609.55 Import Business 331,880.10 313,262.70 221,823.40 248,901.33 242,294.80 Export Business 272,588.60 220,402.80 176,419.60 205,907.10 190,402.80 Foreign Remittance 224,900.00 150,294.60 129,887.10 138,272.00 116,803.00 Guarantee Business including ILC 15,500.90 13,369.00 16,688.30 16,470.30 22,420.12 Total Income 34,630.08 30,673.37 33,539.64 36,392.61 33,739.81 Total Expenditure 24,200.22 22,002.25 25,275.08 27,409.63 23,956.82 Operating Profit 10,429.86 8,671.12 8,264.56 8,982.98 9,783.00 Net Profit after Tax 1,752.38 1,784.30 2,149.10 2,508.56 2,473.21 Fixed Assets 11,275.98 10,130.42 9,714.97 9,333.66 9,337.30 Total Assets 493,092.84 495,841.96 465,293.41 422,312.71 381,575.68 (BDT in Million)

10. Thank You