This study investigates the influences of a set of financial ratios on non-performing loans and to show to what extent of listed commercial banks in Bangladesh. In this study, we applied an econometric model to find out correlations among financial ratios and a sample of 96 observations has been analyzed from 20 banks out of 30 listed commercial banks during 2010-2015. This paper mostly agrees with the existing literature that, credit-deposit ratio, net interest margin have a positive influence on the non-performing loans and capital adequacy ratio, return on assets have a negative influence on the non-performing loans. This research also reveals that, sensitive sector’s loan, priority sector’s loan have significant positive influence on the non-performing loans and unsecured loans, profit per employee, investment deposit ratio have significant negative impact on gross non-performing loan. The findings of this research would help commercial banks to maintain standard financial ratios in order to improve their loan qualities and it would be beneficial to the central bank to examine its existing policy in banking supervision relating to the ratios of regulatory requirements like capital adequacy ratio the banks shall maintain.

The present study was done to examine the employment and income generation of small farmers through family poultry. The objectives of the study were to identify socio economic features of family poultry, to examine the impact of family poultry on household improvement, to determine cost, return and profitability of family poultry, to identify the problems faced by family poultry farmer and for its improvement. The data were collected from 90 family poultry farms from Sadarupazila and Trishalupazila of Mymensingh district through face to face interview. The result of the study shows that, the average gross return, gross cost and net return of family poultry farms were Tk. 7314.84, Tk. 3698.90 and Tk. 3615.94 respectively. The Benefit cost ratio was 1.98. Therefore, family poultry farm is highly profitable. The study also determined the impact of family poultry production on livelihood of poultry farmers. The income of 60% poultry farms has increased and for savings, it was 32%. The physical assets (agricultural tools and furniture and equipment's) of poultry farms have improved by 57% and 27% respectively. Sanitation, drinking water facility and medicinal facility of poultry farmers were improved by 26%, 18% and 37% respectively. It is also found from the study that the livelihood of 38% poultry farmers was improved through family poultry production.

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Data were collected by using well structured questionnaire. Age group of 31-40 years was the highest (40%) in Bhagyakul whereas in Mandra the highest was 41 -50 years (40%). The maximum fishermen (80%) were Hindu in Bhagyakul while higher percentage of Muslim fishermen (88) was found in Mandra. Education status of this community was very poor, 14% totally illiterate, 24% can sign only, 20% got primary education, and the rest 22% got secondary and higher secondary education, and no graduate. The majority (58%) of the respondents had 'Kacha', 18% had half-concrete, 10% had tinshed and only 2% had concrete house. About 46% of the fishermen got their health service from village doctor/'Kobiraj', remaining people went to upazila health complex (18%), district hospital (14%), and MBBS doctor (20%), but a few people do not get any treatment (2%) due to lack of money. About 18% fishermen had 'Pakka' toilet, 30% had 'semi-Pakka', 46% had 'Kacha' toilet and rest of 12% had no sanitary facility.The annual income of fishermen in the study area varied from BDT 66,000 -1,05,000. The fishermen received loan from different national and local NGOs for buying fishing gears and boats.

India has built barrages on 17 more rivers in the east and northeast border with Bangladesh. Most of these dams and embankments act as the main barrier to flow water towards downstream like Bangladesh. As a result the rivers of Bangladesh that comes from India are falling in crisis of proper water. A study showed about 30 rivers of north-western part of Bangladesh gets very few water only due to dams and embankment made by India at the upstream of those rivers. Such massive water control projects of India are clearly a threat for a state that lies down of those. Unfortunately, and often ironically, national leaders of our country prefer to negotiate this sensitive matter rather than to make a strong protect of this inhuman and unethical activities. What is more astonishing news is that some time our state policy makers like to keep silent and avoid about it. India is always ready to controlling nature to serve economic development rather than addressing issues of trans-boundary and socio-environmental responsibilities. In fact, Indian plan to divert the water of Frontier Rivers is increasing at an alarming rate for Bangladesh. Here one thing is mentionable that is this types of project even harmful for India also. And peoples of north western state of India are in against of such harmful and high ambitious unnecessary project. Some time they also make a protest against it. Recently China and India are going to establish a large dam at the up Stream of Brahmaputra River. It would impair India's own plan to link approximately thirty of its own rivers, a project that is bound to affect the downstream riparian state of Bangladesh. As a result drastic fall in the water flow of Teesta during the lean season, especially in February and March will occur in more frequent and will seriously hampers irrigation in Bangladesh. Such international trans-boundary river development projects raise many important issues. They never consider the impact that will impose upon the down stream part like Bangladesh.

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Amidst mounting protests both at home and in lower riparian Bangladesh, India is going ahead with the plan to construct its largest and most controversial 1500 mw hydroelectric dam project on the river Barak at Tipaimukh in the Indian state Manipur. In the process, however, little regard is being paid to the short and long-term consequences on the ecosystem, biodiversity or the local people in the river's watershed and drainage of both upper and low reparian countries . This 390 m length and 162.8 m. high earthen-rock filled dam also has the potential to be one of the most destructive. In India too, people will have to suffer a lot for this mega project. The total area required for construction including submergence area is 30860 ha of which 20797 ha is forest land, 1195 ha is village land, 6160 ha is horticultural land, and 2525 ha is agricultural land. Cconstruction of the massive dam and regulate water flow of the river Barak will have long adverse effects on the river system of Surma and Kushiyara in the north-eastern region of Bangladesh which will obviously have negative impacts on ecology, environment, agriculture, bio-diversity, fisheries, socio-economy of Bangladesh. To assess the loss of Tipaimukh dam on downstream Bangladesh, an Eivironmental Impact Assessment (EIA) has been conducted based on probable affect parametes. Present study intends to depict Tipaimukh dam construction post scenerio in Bangladesh thru assessing probable loss and damage of the Tipaimukh dam construction. The most effective Batelle method of EIA has been applied in this study. It is found -5 scale severity impact will be imposed if the proposed dam is being construct after assessing values of each parameter. [Journal of Science Foundation 2015;13(1):3-10]

I have conducted this report on “Marketing practices and the customer satisfaction level of The City Bank Limited. My hoarier supervising Hasan Al Mamun assigned this topic, Assistant professor Faculty of Business & Economics, United International University of Bangladesh. Now, in this article, I will present the financial condition of City bank Bangladesh with some specified heading.