RAAD Mozib lalon
213743397
An Empirical Analysis on Liquidity Management of Commercial Banks in Bangladesh: A Comparative Study Between State Owned and Private Commercial Banks
This study attempts to analyze and compare the liquidity position of major ten private commercial banks and major five state own commercial banks in Bangladesh. In Bangladesh where the conventional banks require maintaining 18% of their deposits as Statutory Liquidity Requirement (SLR) there will be an impact on liquidity of such a ratio. As we know, the number of state owned banks in Bangladesh is 6 where as the number for private commercial banks is 40 with more new banks to join the numbers. For this research, a random sample of 10 banks from Private commercial banks and 5 state own banks are taken, the individual liquidity risk ratio, D/E ratio, I/A ratio, bank size, liquidity asset and ROE is tracked. The variables as a whole in F test are found to be significant with a 5% AND 10% significance level. Individually all the variables in both sectors of banking are found to be significant except for Liquidity risk in state owned banking.<br><br>
Raad Mozib Lalon Nadia Naher
169855239
Determinants of Bank's Liquidity: An Analysis on relationship among Key Variables affecting the Liquidity Position of Commercial Banks in Bangladesh
This dissertation submitted to the University of Dhaka for the award of the Degree of Doctor of Philosophy in Banking and Insurance.
Raad Mozib Lalon
159017346
An Analysis of Financial Performance on Non bank Financial Institutions (NBFI) in Bangladesh: A Study on Lanka Bangla Finance Limited
This paper is designed to divulge the financial performance of a selective non bank financial institutions operating in Bangladesh using the ratio analysis of Lanka Bangla Finance Limited. Lanka Bangla Finance Limited is one of the best non banking financial institutions in Bangladesh. It has become possible due to its proper usage of its resources. In this paper we will be able to find out how they have managed their assets to cover their liabilities. This report will also show why the ratio analysis is so important of a company. To conduct the study, we have collected secondary data from LBFL. This paper is solely based on the ratio analysis segmented in following four broad categories such as Liquidity Ratio, Solvency Ratio, Profitability Ratio and Market Prospect Ratio. We have accumulated in total of 17 ratios included in these four broad categories.
Raad Mozib Lalon Sameer Hussain
157101910
BASEL ll Compliance Status of State Owned Commercial Banks in Bangladesh: 'A Study on Agrani Bank Ltd'
This paper on the compliance status of Basel II of a state owned bank will provide a detailed picture of risk management of bank as well as a gross picture of Basel II implementation status in Bangladesh. This study will also indicate any shortfall of bank in terms of Basel II compliance and offer suitable recommendations. In this Paper, I have divulged the calculation of eligible capital, total risk exposure, risk weighted assets and capital adequacy ratio for Agrani Bank Limited. Following the standardized approach to calculate risk weighted assets. I have also shown the impact of Basel II adoption and problems regarding its implementation in banking industry of Bangladesh.
Raad Mozib Lalon B G J Kabir
157538295
Interest Rate Risk Management of Commercial Banks in Bangladesh Based on IS (Interest Sensitivity) GAP Analysis
This paper on the interest rate risk management of a bank will provide a detailed picture of risk management of bank because it is one of the concerned factors for every bank. This study will also indicate any shortfall of bank in terms of interest rate risk management and offer suitable recommendations. Interest rate risk is the exposure of a bank's financial condition to adverse movements in interest rates. Accepting this risk is a normal part of banking and can be an important source of profitability and shareholder value. However, excessive interest rate risk can pose a significant threat to a bank's earnings and capital base. Changes in interest rates affect a bank's earnings by changing its net interest income and the level of other interest sensitive income and operating expenses. Changes in interest rates also affect the underlying value of the bank's assets, liabilities, and off balance sheet (OBS) instruments because the present value of future cash flows (and in some cases, the cash flows themselves) change when interest rates change. Accordingly, an effective risk management process that maintains interest rate risk within prudent levels is essential to the safety and soundness of banks.
Raad Mozib Lalon Md Bazlul Kabir
168021217
Green Banking: Going Green
Green Banking is any form of banking from which the country and nation gets environmental benefits. A conventional bank becomes a green bank by directing its core operations toward the betterment of environment. Green Banking has become a buzz word in today's banking world. It means developing inclusive banking strategies which will ensure substantial economic development and promoting environmental friendly practices as well. This paper focuses on the Green Banking activities of the commercial banks of Bangladesh and we also tried to reason why this policy was adopted and make a comparison among he green banking practices of the commercial banks as well. The policy guidelines will also be focused. The regulations regarding Green Banking is going to be discussed as well.
Raad Mozib Lalon
35236458
Credit Risk Management (CRM) Practices in Commercial Banks of Bangladesh: "A Study on Basic Bank Ltd."
This Paper is not only a way for getting acknowledged about the efficiency in managing credit risk of Bangladeshi Banks, but also a conclusive reference for studying how CRM practices helps to increase profitability and long term sustainability of commercial banks. Credit risk management encompasses identification, measurement, matching mitigations, monitoring and control of the credit risk exposures. For conducting this research, I have to collect secondary data relating to the financial status of Basic Bank Ltd.In my analysis I have divulged a comprehensive overview about CRM in different phase of my report. First, I have described about the CRM practice and performance of BBL. Then, I analyze the impact of CRM on financial performance of bank. I have used Ms Excel as well as SPSS software to compare relationship between CRM and banks profitability. After analysis and discussion I have identified some conclusive findings of my research paper.
Raad Mozib Lalon
150473335
Impact of Macroeconomic Variables on Economic Development of Bangladesh Since Liberation War: An Empirical Study
The devastating economic situation after liberation war of Bangladesh in 1971 can again be transpired during the current as well as future democratic rulers as the state of the economic condition is currently facing possibly the most severe exigency since the macro economic crisis of the late 1980s. The twin shocks emanating from the yawning fiscal deficit and deteriorating balance of payments have exposed the entrenched vulnerabilities of the Bangladesh economy, putting under threat the achievement of the 1990s. A large part of these stresses and strains are underpinned by the fundamental structural weaknesses which characterize the Bangladesh economy. But the pressures have been accentuated by a benign neglect in undertaking necessary reform measures to improve the competitiveness of the economy. Bangladesh is a developing country in the South Asia. Its illiterate and unskilled large population is a burden to the country. Agriculture is the main source of the income of the country. Government of the country is taking various steps to decrease poverty, but yet about one third of people of Bangladesh are living below the national poverty line. More than half of the children of Bangladesh are underweight. The gross domestic product (GDP) is hovering around 6% for the last decade. Migrated labor and send remittances were on the increase. Conversely, inflation, government debt and GDP growth are nothing to write home about. Shortage of electricity and gas supplies, poor road network, bridges and ports, political unrest and natural calamities are major problems in national production and economic development. Debt burden of the government is increasing rapidly over time due to increase in the budget deficit. Both the internal and external debts of the government are increasing every year. Among the various obstacles, Bangladesh is advocating for poverty reduction by means of improving the quality of education and promoting gender equality. This has led to an achievement of reduction in child mortality and improvement in maternal health.
Raad Mozib Lalon Nusrat Jahan
55930839
Impact of Government Borrowing on Bank Liquidity Crisis: An Econometric Analysis
This paper attempts to reveal the ultimate determinants affecting the recent liquidity position of commercial banks in Bangladesh. The whole scenario is presented through focusing on the various elements affecting the liquidity position in commercial banks over a period of time. This liquidity position of commercial banks is affected by many macro economic variables such as savings and investment, distribution of credit, interest rates and economic growth. The models developed in this paper divulge that some of the determinants such as share price Index, overall investment position of commercial banks, M2 Currency, overall classified loans of commercial banks and outstanding amount of L/C significantly affect the liquidity position of commercial banks in Bangladesh. Although net government borrowing from banking sector also affects the liquidity position of commercial banks through creating crowding out effect for private investors, the models mentioned in this study reveal that net government borrowing is not individually significant in explaining liquidity position of commercial banks rather this net government borrowing along with other variables is jointly significant in explaining liquidity position. As a corollary, this paper examines whether the so called Government borrowing in recent years may cause the liquidity crisis in commercial banks of Bangladesh.
Raad Mozib Lalon
218102717
MEASURING EFFICIENCY OF SOUTH AMERICAN FOREIGN EXCHANGE DERIVATIVES MARKET IN MINIMIZING CURRENCY RISK:
This paper attempts to reveal whether the foreign exchange (FX) derivatives market effectively and efficiently reduces the volatility to foreign exchange rate fiuctuations. Cross country evidence suggests that development ofthe FXderivatives market does not boost up spot exchange rate volatility and reduces aggregate exposure to currency risk. Intraday evidence for Chile shows that activity in the forward market has not been associated with higher volatility in the exchange rate following the adoption ofa fioating exchange rate regime. The study also found no evidence that net positions of large participants in the FX derivatives market help to predict the exchange rate. These findings support the view that development of the FX derivatives market is valuable to reduce aggregate currency risk.
Raad Mozib Lalon