An examination of liquidity risk of Standard Chartered Bank Plc, Bangladesh

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ABSTRACT

Liquidity risk is the result of transformation of the role of a bank whose term of employment is generally higher at the end of resources, processing inherent in banking. It applies to financial investments that are difficult to liquidate (that is to say, for sale) very quickly. This does not prevent processing but can be assessed in the event of a liquidity crisis and given the schedule of assets and liabilities, how long and at what price the bank will honour its commitments. This question has two aspects, the measurement of liquidity risk and its management. In our analysis of the liquidity situation of Standard Chartered Bank Plc, Bangladesh we have seen that the liquidity position of the bank is, quite good and they have always taken their liquidity as a thing of great importance. The management of Standard Chartered, Bangladesh has been doing a great job to make sure that they do not have to face any liquidity concerns in the near future.

ACKNOWLEDGEMENT

No words can express my appreciation and gratitude to my research advisor _______ through the course of this research, Professor _____has taught me numerous values that extend well beyond the realm of human resource management. His emphasis on dedication to work and his valuable and practical insights of life are some of the major highlights of my education at The University _________. To Professor _____, I say with great respect, thank you very much.

It is a great honour for me to have Professor _______ on my dissertation committee. His insightful suggestions and comments are a major asset to this research. I learned so much from Professor ______, and I will always remember him as a truly superb teacher. To Professor _____, I am greatly indebted.

I would like to thank Professor ______ for his contribution to this research. Professor _____ has provided me with essential input and guidance as an outside member of my committee. His remarks and suggestions are greatly appreciated.

I would like to thank _____________ for the support they had provided me throughout the research project.

I would like to thank _____________ for their support and help in this research.

DECLARATION

I [type your full first names and surname here], declare that the contents of this dissertation/thesis represent my own unaided work, and that the dissertation/thesis has not previously been submitted for the academic examination towards any qualification. Furthermore, it represents my own opinions and not necessarily those of the University.

Signed __________________ Date _________________

TABLE OF CONTENTS

ABSTRACTII

ACKNOWLEDGEMENTIII

DECLARATIONIV

CHAPTER 3: METHODOLOGY1

3.1 Overview of qualitative and quantitative research approaches2

3.2 Research approach3

3.3 Research design4

3.4 Rationale for adopting the particular research design6

3.5 Rationale for a quantitative study7

3.6 Search for and compilation of empirical information8

3.6.1 Primary data8

3.7 Instruments used8

3.7.1 Financial ratio analysis8

3.8 Analysis, Conclusion and Recommendation9

3.9 Scope of the Research9

3.10 Underlying assumptions9

CHAPTER 4: DISCUSSION AND ANALYSIS10

4.1 Financial Ratios11

4.1.1 Leverage Ratios16

4.2 Liquidity risk analysis of Standard chartered bank, Bangladesh17

4.2.1 Cash to deposit ratio19

4.2.2 Borrowing to deposits20

4.2.3 Advances to ...