Abstract
Rajshahi Krishi Unnayan Bank (RAKUB) plays an important role in the economic development of the Bangladesh especially for financing the farmers of the 16 districts of Rajshahi and Rangpur in Bangladesh. Agriculture remains the most important sector of Bangladeshi economy, contributing 19.6 percent to the GDP and providing employment for 63 percent of the population. A plurality of Bangladeshis earn their living from agriculture. The performance of this sector has an overwhelming impact on the overall economic development of the country. For efficient performance of this sector proper credit facilities and adequate support is essential both from government and private sector. The main objective of the study is to analyze the financial performance of Rajshahi Krishi Unnayan Bank, Bangladesh. It is observed that RAKUB is able to achieve a steady growth in terms of employees, branches, deposits, loans and advances during the period 2009-2014. Different trend equations and square of correlation coefficient (r<sup>2</sup>) have been tested for different activities of Rajshahi Krishi Unnayan Bank, Bangladesh. Finally, results are interpreted in this context and suggestions are given for improving the future performance of this bank.
Highlights
The evolution of Bangladesh made through the “Great Liberation War” on 16 December in 1972
From the trend analysis we have observed that (r2) of employees of the banks are more than 68%.The growth of branches is positive for every year i.e. upward trends
Trend equation of branches of Rajshahi Krishi Unnayan Bank is positive and goodness of fit of equation is very high i.e. 90%.The growth of deposit is positive for every year but negative in year 2010-2011
Summary
The evolution of Bangladesh made through the “Great Liberation War” on 16 December in 1972. Rice of new quality and introduction of other high yielding crops and the increasing demand of its, institutional loan demand of farmer increased. Since Bangladesh is an agro-based country; the demand for the loan of Krishi Bank has been increased remarkably. It becomes very difficult for a Dhaka based head office of Krishi Bank to manage agro-loan in the remote areas of the country. For this reason, government felt to decentralize the Krishi Bank in the divisional areas and Rajshahi division was first choice.
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