Internship report on An Analysis of Investment Management Practices in Dhaka Bank Limited

This report is based on “An Analysis of Investment Management Practices in Dhaka Bank Limited”. Internship program is the pre-requisite for the completion of MBA program. Classroom discussion alone cannot make a student perfect in handling the real business situation; therefore, it is an opportunity for the students to know about the real life situation through this program. A report has to be built for the university and organization requirement. The main purpose of the report becomes very clear from the topic of the report. The report discusses about the different investment practices, credit facilities, approval process, monitoring and performance evaluation. The main objectives of the report are identifying the credit approval and monitoring and their overall performance in the last few years. This report forces on the literatures behind banking credit and investment. It includes Credit services of DBL, different loan categories, and credit analysis, loan review and handling default loans. It also describes in detail about the procedure of sanctioning credit, loan documentation and execution, stamping witness and other legal formalities. It also describes the issuance of different bank guarantees. Findings and analysis of the information are in the last Part of the report. It includes outstanding, recovery, and classified loan ratios. Difference between the outstanding and the classified loans in different sectors over the last four years are also analyzed. It also includes the summery of findings. Findings of the report say about the prior and neglected sectors of the credit facilities. It also contains the outstanding, recovery and classified loan status in different sectors over the past few years. The last part ends with competitive analysis, SWOT Analysis, recommendations and conclusions.

Any academic course of study has a great value when it has practical application in real life. Only a lot of theoretical knowledge will be little important unless it is applicable in practical life. So we need proper application of our knowledge to get some benefit from our theoretical knowledge to make it more fruitful. As the classroom discussion alone cannot make a student perfect in handling the real business situation, therefore, it is an opportunity for the students to know about real life situation through the internship program. This program consists of three phases:

  • Orientation with the Organization: To accustom the internee with the structure, functions, and performance of the organization.
  • Practical Work: Pertaining to a particular problem matching with the internee’s capacity and organization’s requirement.
  • Preparation of formal report: To epitomize the internee’s analysis, findings and achievements, in the proceeding one phase.
After the completion of my M.B.A (Masters of Business Administration) program from the Department of Finance & Banking, the University of Chittagong, I have been placed in Dhaka Bank Limited for my internship program which is a degree requirement for MBA students. The primary goal of internship is to provide the job revelation and an opportunity to implement theoretical knowledge in real life situation with the changing eve of banking industry. My internship supervisor has assigned me to conduct a study on the topic of Investment Management of Dhaka Bank Limited. This report is prepared on my practical experience at Dhaka Bank Limited, Halishahar Branch, Chittagong.
The primary objective of the study is to analyze the investment management practices of Dhaka Bank Ltd. and to have an overall idea on how it operates in the competitive market to comply with the customer’s satisfaction and to retain them.