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MD SAJJADUL ISLAM ROLL:120204030 MD. ROKONUGGAMAN KHAN ROLL:120204044 MD. NIZAM UDDIN CHY ROLL:120204039 MD ELIAS ALAM ROLL:120204043 SHEIKH MOHAMMAD KAYESH UDDIN ROLL:120204032 ABDUL KARIM ROLL:120204033 SHIHAB UDDIN GANI ROLL:120204059

1.1 Introduction
Capital is the nerve centre of a bank. All the activities of a bank are based on capital. It is not possible for banks to operate their activities without capital. Capital can take any decision regarding bank or to perform preliminary activities. Office equipment, manpower etc. are required to initiate a banking business. Even liquidation of a bank is impossible without capital.

Working capital management is significant in financial management. It plays a vital role in keeping the wheel of the business running. Every commercial bank requires capital, without it cant be promoted. There it is of great importance on the part of management to pay particular attention to the planning and control for working capital. An attempt has been made to make critical study of the various dimensions of the working capital management of National bank ltd. Working capital management ensures a bank has sufficient cash flow in order to meet its short-term debt obligations and operating expenses. Implementing an effective working capital management system is an excellent way for many companies to improve their earnings. The two main aspects of working capital management are ratio analysis and management of individual components of working capital.

1.2 Objective of the study

1. To earn and maintain CAMEL Rating 'Strong'
2. To analyze the efficiency of working capital management of Bank by studying different element of working capital, trend of various parameters across different years of comparison. 3. The goal of working capital management is to manage the banks current assets and current liabilities in such a way that a satisfactory level of working capital is maintained, to meet the short-term obligations as and when they arise. 4. A significant objective of working capital management is to ensure short-term liquidity and to see that profitability is not affected by the way current assets and current liabilities are managed. 5. To have a clear understanding of the business operation of Bangladesh National Bank.

1.3 METHODOLOGY
PRIMARY DATA: The primary data are those which are collected a fresh and for the first time, and thus happened to be original in character. primary data include the information collected from the officials and existing bank through discussions. SECONDARY DATA: The secondary data, on the other hand are those which have already been collected by some one else and which have already been passed though the statistical process. The secondary data include the information from the bank annual reports which include financial statement like balance sheet and income statements and such other information from text books of bank fund management, journals and magazine has also been collected

1.4 Limitation of the Study

In spite of best effort, Researcher is sure of some lacking prevailing in this report. These are caused by some limitations that are enumerated below.

1. Difficulty in gaining accesses to financial sector. 2. Non-availability of the most recent statistical data. 3. For the lack of our practical knowledge, some shortcoming may be available in the paper. 4. It is not possible to collect adequate data relating impact of capital management.

5. As some information were classified, it was not possible to collect though the informations were relevant to the study.
6. Most recent annual information was not available due to time limitations.

1.3 Scope of the study:

This report covered the overall banking system of National Bank Limited and also Includes the relationship of the customers with the bank as well as the principals covered by the bank as a capital management system.

1.6 Findings and analysis of the study

The recovery of capital in business loan section is threatened.
Lack of liquidity money to provide loan in productive sector. With reference to the working capital study of National bank ltd quantity of working capital is contributed by short source of finance. In this gross working capital of the firm, a major part is occupied by inventory and sundry debtors. In order to achieve to the goals of the organization as whole and achievement of performance appraisal technique is very useful. The bank has been maintaining sufficient amount of working capital in all the years.

1.7 Recommendation
Regulatory agencies of the organizations should state penalties for the organizations with negative working capital at the end of their financial year Management of organizations should ensure the development of adequate and efficient working capital policy for the organizations Auditors should be mandated to make comments in their audit reports where organizations have negative working capital. The statement of working capital policy should be made a major requirement in the annual reports prepared by organizations Regulatory agencies in the various sectors should come out with a minimum acceptable bench mark on working capital just like the minimum capital base in the banking sector

1.8 Conclusion

After studying the components of working capital management of National bank ltd. It is found that the bank has a sound and effective policy and its performance is very good even in this bad recession situation company has managed to post good profit. Bank is competing well at the domestic as well as the international level because of its proper management of finance, specially the short term finance known as the working capital. We can say that the banks management is an effective one and knows well the management of finance, its working capital management system is very good because of which only the bank has got the status.