conducted by collecting data for the period of five years from 2009-2013.

1.6.2 Sources of Data:

The study is mainly based on secondary data. Both primary and secondary data sources will be
used to generate this report.

Primary Sources of Data:

 Observation while working in different desks
 Face to face conversation with the officer

Secondary Sources of Data:

 The annual report of Agrani Bank Limited
 Credit Manual of Agrani Bank Limited
 Banking related text books, relevant books, research papers, newspapers, journals
and Manuals.
 Desk report of related department
 Web browsing

1.5.3 Instruments used for analysis

 Trend Analysis: Trend analysis is an aspect of technical analysis that tries to predict the
future movement based on past data.
 Ratio Analysis: Ratio analysis is a form of quantitative analysis of information contained
in a company’s financial statement.

1.7 LIMITATION OF THE REPORT

The Term paper is likely to have following limitations:

 Due to shortage of time, the accuracy of information may not have been completely
perfect.
 Confidentiality of data was another important barrier that was faced during the conduct of
this study. Every organization has their own secrecy that is not revealed to others. While
collecting data on Agrani Bank Limited, personnel did not disclose enough information
for the sake of confidentiality of the organization.
 Unpublished data have not considered for the study.
 The depth of the analysis has been limited to the extent of information collected from
different sources.
 Last of all, this study has been conducted within a limited time. So, Observing and
analyzing the broad performance of the bank is not an easy task by this short duration of
time.
 All the interpretation and conclusion about the result of study is based on the analyst own
perspective.
 Data and information used in this study are mostly from secondary sources.