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This internship report analyzes the financial performance of IDLC Finance Limited, focusing on its profitability, liquidity, efficiency, and solvency over recent years. The findings indicate consistent revenue growth, strong credit risk management, and a solid liquidity position, despite some pressure on net profit margins. The report highlights IDLC's competitive advantages, including operational efficiency and strategic expansions into new segments.
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0% found this document useful (0 votes)
11 views8 pages

Cover page

This internship report analyzes the financial performance of IDLC Finance Limited, focusing on its profitability, liquidity, efficiency, and solvency over recent years. The findings indicate consistent revenue growth, strong credit risk management, and a solid liquidity position, despite some pressure on net profit margins. The report highlights IDLC's competitive advantages, including operational efficiency and strategic expansions into new segments.
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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Internship Report

on
“Financial Performance Analysis of IDLC”

Prepared For:
Mahjabeen Ferdous
Assistant Professor
Department Of Business Administration.
Stamford University Bangladesh.

Prepared By:
Farzana Yesmin
Department of Business Administration
MBA program
Batch: 051
Student ID: 051-14781

Date of Submission: 05.02.2025

© 2025. Stamford University Bangladesh.


All rights reserved

i|Page
Letter of Transmittal
Mahjabeen Ferdous
Assistant Professor
Department Of Business Administration.
Stamford University Bangladesh.

Subject: Submission of the “Internship Report”.

Dear Madam,

It is my pleasure to submit my project report titled "Financial Performance Analysis of IDLC"


which I was assigned by you as a part of the Internship at the company.

As a part of the completion of the bachelor degree at the department of MBA, Stamford University
of Bangladesh, it is a privilege to work at Financial Performance Analysis of IDLC for a period of
June 01, 2023 to August 30, 2023 at Head Office. It is worthwhile experience to develop an
aptitude to build up carrier in the financial sector. This experience will help me developing
professionalism and have positive attitude towards business world.

It will be my pleasure to clarify any matter regarding this report I company you for allowing me the
opportunity to undertake the task and for your sincere guidance and cooperation.

Yours truly,

______________
Farzana Yesmin
Department of Business Administration
MBA program
Batch: 051
Student ID: 051-14781

Date:

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Student’s Declaration

Internship Report

I here announce that the extensive study entitled

“Financial Performance Analysis of IDLC”

(Conducted on behalf of IDLC Finance Ltd.)

Prepared in partial accomplishment of the Requirement for the award of the degree

Masters of Business Administration


From

STAMFORD UNIVERSITY BANGLADESH

Is my original work and not put forward for


The award of any other degree / diploma / fellowship

Farzana Yesmin
ID: 051-14781

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STAMFORD UNIVERSITY BANGLADESH

To Whom It May Concern

This is to certify that the internee report on “Financial Performance Analysis of IDLC”
for the degree Masters of Business Administration (MBA) major in Finance from from
Stamford University Bangladesh carried out by Farzana Yesmin, ID: 051-14781 under
my supervision. No part of the internship report has been submitted for any degree
diploma, title, or recognition before.

___________________
Mahjabeen Ferdous
Assistant Professor
Department of Business Administration
Stamford University Bangladesh.

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Acknowledgment

Firstly, I’d like to convey my genuine gratitude to my Job supervisor Mahjabeen


Ferdous for guiding me throughout my report writing period along with tracking my
progress from time to time. It was viable for me to complete the report on time
smoothly as madam helped me out by providing valuable intuitions.

I’m also thankful to Ms. Sushmita Saha, my onsite supervisor at IDLC Finance
Limited for giving me professional assistance along with all the data and information I
required for completing my report. Furthermore, I’ll always be grateful to everyone
from IDLC Gulshan branch for their unconditional and consistent love and support
during this period.

Thank you.
Sincerely,
Farzana Yesmin
ID: 051-14781

v|Page
Executive Summary

This report presents a comprehensive analysis of the financial performance of IDLC Finance
Limited, one of Bangladesh’s leading non-banking financial institutions (NBFIs). The study
examines the company's financial statements, key ratios, and market positioning over the past
few years to assess its profitability, liquidity, efficiency, and solvency.

IDLC has demonstrated consistent revenue growth supported by a diversified portfolio in SME,
corporate, and consumer financing. However, net profit margin faced slight pressure in recent
periods due to rising funding costs and competitive pricing in the market. Non-performing loans
(NPLs) have remained relatively low compared to the industry average, reflecting strong credit
risk management. IDLC’s prudent loan underwriting standards and recovery efforts contributed
to maintaining healthy asset quality. IDLC maintains a strong liquidity position, with a
comfortable loan-to-deposit ratio. Strategic mobilization of deposits and borrowings from both
local and international sources helped sustain funding stability.

The company’s capital adequacy ratio (CAR) remains above the regulatory requirement,
ensuring sufficient capital buffers to absorb potential losses and support future growth.
Operational efficiency has been a cornerstone of IDLC’s success, with cost-to-income ratios
maintained at competitive levels. Continued investments in digital platforms and process
automation have improved service delivery and reduced operational costs. IDLC continues to
hold a leading position among NBFIs, supported by strong brand equity, diversified financial
services, and a customer-centric approach. Strategic expansions into new segments and product
innovations have further reinforced its competitive advantage.

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Tables of Contents

Chapter Name Page no


Letter of Transmittal i
Student’s Declaration ii
Supervisor Declaration iii
Acknowledgment iv
Executive Summary v
Table of Contents vii
Chapter 1 01
Introduction
1.1 Introduction 02
1.2 Objectives of the report 02
1.3 Scope of study 02
1.4 Methodology of study 02
1.5 Limitations of the Study 03
Chapter 2 04
An Overview of IDLC Finance Limited
2.1TCompanyTOverview 05
2.2 Subsidiaries 05
2.3 IDLC Philosophies – The Backbone of the Enterprise 06
2.4 Organogram. 08
2.5 Product & Service Basket 09
Chapter 3 12
Literature Review
Literature Review 12-14
Chapter 4 15
Analysis and Interpretation of the Data
4.1 Financial Highlights (IDLC Finance Limited and its subsidiaries) 16
4.2 Horizontal Analysis (IDLC) 17
4.3 Vertical Analysis (IDLC) 20
4.4 Growth Analysis 24

vii | P a g e
4.4.1 Total Asset 24
4.4.2 Long Term Liabilities 24
4.4.3 Term Deposit Balance 25
4.4.4 Operational Income 26
4.4.5 Operational Expense 27
4.4.6 Financial Expense 27
4.4.7 Net Profit after Tax 28
4.5: Horizontal analysis of profitability 29
4.6: Analysis of earnings per share (EPS) 30
4.7 Vertical analysis of profitability 30
4.8 Average Growth Rates IDLC Finance Ltd 31
4.9 TIE Ratio of IDLC Finance (Last 5 years) 32
4.10 Debt to Capital ratio of IDLC Finance Limited 33
4.11 Liquidity ratio of last 5 years to analysis the creditworthiness of IDLC 34
Finance Limited
Chapter 5 35
Findings of the study
5.1 Findings 36
Chapter 6 38
Conclusions & Recommendation
6.1 Conclusions 39
6.2 Recommendation 40
Reference 41

viii | P a g e

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