Performance Evaluation of Janata Bank Limited : A Study on JBL, Pabna Corporate Branch

The study applies performance evaluation of Janata bank limited, Pabna corporate branch, Bangladesh. It means evaluate how well the company performs. The main aim is achieved through ratio analysis and trend analysis of financial position and overall activities of JBL. Its main objective was to compare and examine empirically the Financial performance of this public bank.The main data collection from the annual financial reports on JBL, Pabna corporate branch from 2009 to 2013. Financial performance are evaluated through two method-Trend analysis and Ratio analysis. Trend analysis are conducted for total deposit, total loan, total profit or loss, total foreign remittance from 2009-2012. Trend analysis of “total deposit” and “profit of loss” show chronological grow from 009-2012, total loan and advance is the highest in 2010, foreign remittance in 2010 is lowest than other year. Different financial ratio are evaluated such Current Ratio(CR), Return on total Assets(ROA) and finally measure and analysis the performance for the period 2009-2013. The graphical analysis, mathematical calculation and comparisons are applies for measuring the position of income and expenditure, net profit, total deposit and advance, foreign remittance, loan and total profit for this bank. Current ratio is lower than that of acceptable ratio 2.4.The current ratio improved over time marginally. The situation was almost stable. Return on total Assets(ROA) increased Gradually but the Percentage of Return on total asset is so poor. This study found that all results of financial performance measures go in favor of this bank average. However, the results also show the JBL, Pabna corporate branch is improving overtime considerably in those ratios and financial trends during the period under the study